SOFTWARE FOR A "NO SURPRISES" RETIREMENT

November 25, 1992 -- You may have noticed the rules of the retirement game
are changing. With employers cutting funding and some pension fund
insurers in trouble, millions of people won't get the pension they expect.
You may stay working longer or work part-time in retirement. Plus, you'll
need more funds because you'll probably live longer and be in retirement
longer. Almost everyone should expect a new type of retirement. It' s now
a do-it-yourself situation. Planning to avoid surprises becomes most
important and it's never too early to start.

PC users who are serious about achieving a comfortable retirement now have
a new resource for proper planning. Software Edge Inc. introduces
Retirement Surprise! -- software that shows you what you need at your
present age, to retire at every retirement age, while you try out various
investment earnings and inflation rates.

Retirement Surprise! asks for amounts of expected pension and Social
Security, totals your present savings and investments, and then helps you
prepare a retirement budget based on your present expenses. The program
computes how much money you'll need each year in retirement, and how much
you should put away now in order to have that income. You'll probably need
much more savings than you think, for the rest of your life.

Pull-down menus, help screens and an on-line Sample Plan make it easy to
get started. A printed guide to the first steps in retirement planning and
a brief tutorial are also included. Plan versions may be printed out to
follow your progress toward a successful retirement. A hard drive and
color monitor are desirable but not required.
-----------------------------------------------------------------
Introduces users to retirement planning and determines what is adequate
retirement capital. Organizes retirement income, expense and present
savings data. Investment earnings, shortfall and required savings (lump
sum, annual and monthly amounts), for every possible retirement year are
then displayed spreadsheet-style so you can scroll through the years to
age 90, and track your savings requirement both before and after your
retirement. Instant recalculation for any investment return rate and
inflation rate. Provisions are made for taking early Social Security, and
for pensions with or without a cost of living adjustment. Printed guide to
the first steps in retirement planning includes a tutorial, and a sample
plan is a menu choice to give a quick start. 30-day Satisfaction
Guarantee.

For IBM compatibles, DOS 2.1 or later. 364K RAM and Hard Drive. Price
$49.00 - Shipping/Handling $2.50. 30-day Satisfaction Guarantee. MC & Visa
order line 800-321-5250

Software Edge, 112 Ocean Bay Dr, Key Largo, FL 33037
305-451-6270.

  +---------------------------------------------------------------+
  |   From the America Online - New Product Information Services  |
  +===============================================================+
  | This information was processed from data provided by the      |
  | above mentioned company. For additional details, contact the  |
  | company at the address or telephone number indicated above.   |
  |    All submissions for this service should be addressed to    |
  |   BAKER ENTERPRISES, 20 Ferro Drive, Sewell, NJ 08080 U.S.A.  |
  +---------------------------------------------------------------+
