This file was generated for a friend in the insurance field who
was asked repeatedly to calculate two Social Security payments;
one at an earlier retirement age than the other.  The typical scenario
involved a person who wanted to know what would happen if they
retired at 59 with a lower Social Security payment than if they
retired at 65.  They also wanted to know if there was a "break even
point" when the sum of the total payments became equal.

The SOCSEC.WK1 spreadsheet was started in 1-2-3 Rel 2.01, moved to
Rel 2.4, moved to Rel 3.4; and finally to 1-2-3 Rel 4 for Windows
and translated back to WK1 format.  The macro that starts the sheet
is ALT-D.  You will need current Social Security payment schedule
information in order to put "real" information in the projected
payment fields.  ("King O' Taxes" Clinton & gang are after your
money, so count on a thinner wallet at retirement.)

The tables used for lookup are current as of '93.  An interesting
side note is this sheet incorporates expected mortality rates from
insurance industry actuaries.

Comments and suggestions can be directed to me via CompuServe Mail
at address [73777,1643].
