Listing of file='RETIRE.BAS;01' on disk='vmedia/chip_75-sector.ccvf'
100 REM "RETIRE", A RETIREMENT-PLANNING PGM. W. RUST, 12/1/79 102 REM REF: IEEE SPECTRUM, SEPT 1979, PAGE 58, E.W.HEROLD 110 REM --- INSTRUCTIONS 120 PLOT 15,6,6,12 130 PRINT TAB( 13);"RETIREMENT-PLANNING PROGRAM":PRINT 135 PLOT 6,3 140 PRINT "YOU WILL BE ASKED TO ENTER NINE DIFFERENT VALUES OF" 150 PRINT "AGES, LIVING EXPENSE, INCOMES, ETC.":PRINT 160 PRINT "YOU WILL THEN BE TOLD HOW MUCH CAPITAL YOU WILL NEED" 170 PRINT "WHEN YOU RETIRE SO THAT YOU CAN LIVE AT A SPECIFIED" 180 PRINT "ECONOMIC LEVEL UP TO AN AGE YOU SPECIFY.":PRINT 190 PRINT "AT THAT AGE, YOUR CAPITAL WILL BE GONE, BUT INCOME" 200 PRINT "FROM PENSIONS AND SOCIAL SECURITY WILL CONTINUE." 210 PRINT "YOU WILL THEN BEGIN LIVING AT A LOWER ANNUAL" 220 PRINT "EXPENSE LEVEL.":PRINT 230 PRINT "YOU CAN RUN THE PROGRAM MANY TIMES, CHANGING VALUES" 240 PRINT "TO STUDY THEIR EFFECT." 290 PRINT :PLOT 6,1 295 PRINT "TO CONTINUE, HIT 'RETURN' KEY. ";:INPUT Q$ 400 REM --- CREATE FIXED DISPLAY 410 PLOT 15,6,6,12,27,24:REM PAGE MODE 420 PRINT "VALUES TO BE ENTERED:":PRINT :PLOT 6,3 430 PRINT " AR = AGE AT WHICH YOU WISH TO RETIRE" 440 PRINT " AS = AGE AT WHICH SOCIAL SECURITY BENEFITS BEGIN" 450 PRINT " AZ = AGE AT WHICH CAPITAL IS TO DROP TO ZERO" 460 PLOT 6,2 470 PRINT " LE = ANNUAL LIVING EXPENSE 1ST YEAR OF RETIREMENT" 480 PRINT " II = ANNUAL INFLATION-INDEXED INCOME DURING FIRST" 490 PRINT " YEAR OF RETIREMENT (EXCLUDING SOC. SEC.)" 500 PRINT " FI = ANNUAL FIXED INCOME THROUGHOUT RETIREMENT" 505 PRINT " SS = ANNUAL SOC. SEC. BENEFIT IN FIRST YEAR PAID" 510 PLOT 6,3 520 PRINT " RI = AVERAGE ANNUAL PERCENT INFLATION RATE" 530 PRINT " RR = AVERAGE AFTER-TAX PERCENT RETURN ON INVESTED" 540 PRINT " CAPITAL (MUST BE GREATER THAN ZERO PERCENT)" 600 REM --- INPUT VALUES 610 PLOT 3,0,13,6,6 620 PRINT "ENTER THE FOLLOWING IN YEARS, DOLLARS, OR PERCENT:" 630 PRINT :PLOT 6,3 640 INPUT " AR = ";A 650 INPUT " AS = ";B 660 INPUT " AZ = ";C 670 REM TEST AGES 680 IF A< = BAND B< = CGOTO 750 690 PLOT 6,1 700 PRINT "AGES MUST NOT DECREASE. HIT 'RETURN' AND TRY AGAIN!" 710 PLOT 6,3:INPUT Q$ 720 FOR J= 15TO 19:PLOT 3,0,J,11:NEXT J:GOTO 610 750 PLOT 6,2 760 INPUT " LE = ";L1 770 INPUT " II = ";I1 780 INPUT " FI = ";F 790 INPUT " SS = ";S 800 PLOT 6,3 810 INPUT " RI = ";P:P= P/ 100 820 INPUT " RR = ";Q:Q= Q/ 100 830 REM TEST PERCENTS 840 IF P> - .2AND P< .7AND Q> 0AND Q< .7GOTO 1000 850 PLOT 6,1 860 PRINT "KEEP PERCENTAGES BETWEEN -20 AND 70." 870 PRINT "HIT 'RETURN' AND TRY AGAIN!" 880 PLOT 6,3:INPUT Q$ 890 FOR J= 22TO 26:PLOT 3,0,J,11:NEXT J:PLOT 3,0,22:GOTO 810 1000 REM --- CHOOSE PROPER CASE 1010 PRINT :E= 2.71828:M= B- A:N= C- B 1020 IF A< BGOTO 2000 1030 REM --- CALC CASE WHERE A=B 1040 G2= L1- I1- S 1050 X1= N* G2 1055 IF P= QGOTO 1070 1060 X2= G2* (E^ ((P- Q)* N)- 1)/ (P- Q) 1070 X3= F* (1- E^ (- Q* N))/ Q 1080 IF P= QTHEN H1= X1- X3 1090 IF P< > QTHEN H1= X2- X3 1100 H2= H1 1110 GOTO 3000 2000 REM --- CALC CASE WHERE A<B 2010 REM CALC INTERVAL B TO C FIRST 2020 K1= (1+ P)^ M:K2= (1+ Q)^ M:REM FACTORS, AGE A TO B 2030 L2= L1* K1:REM ANN LIV EXP AT AGE B 2040 I2= I1* K1:REM INDEXED INCOME AT AGE B 2050 G2= L2- I2- S:REM EXCESS EXPENSE AT AGE B 2060 X1= N* G2 2065 IF P= QGOTO 2080 2070 X2= G2* (E^ ((P- Q)* N)- 1)/ (P- Q) 2080 X3= F* (1- E^ (- Q* N))/ Q 2090 IF P= QTHEN H2= X1- X3 2100 IF P< > QTHEN H2= X2- X3 2110 REM H2 IS CAPITAL REQD AT AGE B; 2120 REM NOW CALC CAPITAL REQD AT AGE A 2130 G1= L1- I1 2140 X6= M* G1 2150 X7= F* (1- E^ (- Q* M))/ Q 2155 IF P= QGOTO 2170 2160 X8= G1* (E^ ((P- Q)* M)- 1)/ (P- Q) 2170 X9= H2/ K2:REM CAP REQD AT AGE A TO ATTAIN H2 AT AGE B 2180 IF P= QTHEN H1= X6- X7+ X9 2190 IF P< > QTHEN H1= X8- X7+ X9 2200 GOTO 3000 3000 REM --- DISPLAY CAPITAL REQD 3010 PRINT :PLOT 6,6 3020 PRINT "CAPITAL REQUIRED AT RETIREMENT = $";INT (H1) 3030 PRINT "CAPITAL WHEN SOC. SEC. BEGINS = $";INT (H2) 3040 PRINT :PLOT 6,1 3050 INPUT "DO YOU WANT TO ENTER NEW VALUES (Y OR N)? ";Q$ 3060 IF Q$= "N"GOTO 9000 3070 FOR J= 13TO 31:PLOT 3,0,J,11:NEXT J:GOTO 610 9000 REM --- END OF PROGRAM 9100 PLOT 15,6,3,27,11:REM RETURN TO SCROLL MODE 9200 END 9300 REM --- LIST ON PRINTER AT 300 BAUD 9400 PLOT 14,27,18,3,15,27,13:LIST :PRINT :POKE 33265,0:END