---------------------------------------------
R O T H   I R A   C A L C U L A T O R   ' 9 8         ROTH98.XLS
                Version 98.2
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Roth Calculator Copyright 1998 Steve Zynda.  All Rights Reserved

OVERVIEW:
--------

The Roth Calculator 98 Worksheets were developed to help you determine
which IRA -- the new Roth IRA, a deductible IRA, or a nondeductible IRA --
is best for you. The Roth Calculator 98 Worksheets let you compare your 
possible after-tax cash flow during retirement for each type of IRA. 
The worksheets also let you compare your possible after-tax cash flow 
in retirement generated by converting to a Roth IRA compared to maintaining 
your existing IRA.  The Roth Calculator was created using Excel 5.0 for 
Win95 or Win31 and is being distributed as shareware for evaluation purposes. 
The Roth Calculator '98 is a shareware estimation tool that is delivered in a 
LOCKED state allowing the user to see and evaluate the report using the default 
values set by the author. By registering as a user and paying the $10.00 
Registration fee, you will receive a "Registration Access Code" by return 
e-mail.  

REGISTRATION:
------------

The Roth Calculator was created using Excel 5.0 for Win95 or Win31 and is
being distributed as shareware for evaluation purposes.  If you like the 
Roth Calculator and want to receive your "Registered Access Code" to create 
personalized computations, please register your copy by filling out and 
printing the Registration Card on the "Register Me" sheet tab and mailing it 
along with the $10.00 registration fee to the author: 

    Steve Zynda, 
    8204 Owens Street
    Buena Park, CA  90621-1367.  
    
    Internet E-Mail: SZynda@USA.NET.  

Registered users will receive the "Registered Access Code" via return e-mail.  
Be sure to provide a valid e-mail address when registering. Full password 
access to the workbook engine is not provided with the $10.00 registration 
fee.  Full passwords are sold separately to registered users only for an 
additional fee.


INSTALLATION AND USE:
--------------------

Excel workbook is fully self-contained.  Load-and-go!
Full instructions are included inside the Excel workbook. Enjoy!


VERSION INFORMATION:
-------------------
98.0    01/24/98    Base Release
98.1    03/12/98    Corrections to:
                    (1) Line 25 percent now correctly represents line 9's value
                    (2) Column widened to support million dollar values on line 41
                    (3) Removed stray text from report footnotes.

DISCLAIMER:
----------

Roth Calculator '98 1998 Steve Zynda.  Steve Zynda disclaims all 
warranties relating to this software, whether expressed or implied, 
including but not limited to any implied warranties of merchantability 
and fitness for a particular purpose, and all such warranties are 
expressly and specifically disclaimed.  Neither Steve Zynda nor anyone 
else who has been involved in the creation, production or delivery of 
this software shall be liable for any indirect, consequential, or 
incidental damages arising out of the use or inability to use such 
software even if Steve Zynda has been advised of the possibility of 
such damages or claims.  In no event shall Steve Zynda's liability 
for any damages ever exceed the price paid for the license to use the 
software, regardless of the form of the claim.  The person using the 
software bears all risk as to the quality and performance of the 
software.  Some states do not allow the exclusion of the limit of 
liability for consequential or incidental damages, so the above 
limitation may not apply to you.  This agreement shall be governed 
by the laws of the State of California and shall inure to the benefit 
of Steve Zynda and any successors, administrators, heirs, and assigns. 
Any action or proceeding brought by either party against the other arising 
out of or related to this agreement shall be brought only in a state or 
federal court of competent jurisdiction located in Orange County, 
California.  The parties hereby consent to in personam jurisdiction 
of said courts.

401k Calculator Copyright 1998 Steve Zynda.  All Rights Reserved

                                       -*- 

ON-LINE SERVICES:  Please distribute this shareware pack in its entirety
at will.  For on-line seach tools please use the following authorized
title, keys and description:

Title:       Roth Calculator '98 Determines the best IRA plan for you and 
             whether you should convert.
             
Keys:        IRA ROTH 401k 401 401(k) tax defer invest retire save excel 
             403b grow growth rich money interest software tool cash 
             dollar stock dividend roth capital gain

Description: The Roth Calculator 98 Worksheets were developed to help 
             you determine which IRA -- the new Roth IRA, a deductible 
             IRA, or a nondeductible IRA -- best for you. The Roth 
             Calculator 98 Worksheets let you compare your possible 
             after-tax cash flow during retirement for each type of IRA. 
             The worksheets also let you compare your possible after-tax 
             cash flow in retirement generated by converting to a Roth IRA 
             compared to maintaining your existing IRA.  The Roth Calculator 
             was created using Excel 5.0 for Win95 or Win31 and is being 
             distributed as shareware for evaluation purposes.  The Roth 
             Calculator '98 is a shareware estimation tool that is delivered 
             in a LOCKED state allowing the user to see and evaluate the 
             report using the default values set by the author. By 
             registering as a user and paying the $10.00 Registration fee, 
             you will receive a "Registration Access Code" by return e-mail.