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Retirement Planner will help you list your expenses, assets and investments to project your financial needs now through the remainder of your career and into retirement. The program uses simple worksheets for input, allowing you to enter personal data, investment data, assets, income and expenses.
The program automatically compensates for the time value of money, the calculations are internal to the program so you as a user don't need to fill sheet after sheet with complex calculations.
The graphical output projects your net worth on a monthly basis from now to the end of your retirement. The graph is adjusted for all you monthly living expenses, the return on your investments and inflation as well as income taxes and social security payments.
Another graph shows future income vs expenses over the same period of time, revealing any periods where expenses outstrip income, leaving you vulnerable.
The program allows each scenario to be saved to a named file, you can easily develop multiple scenarios and compare the results. You can print the data and graphs for each scenario.
The on-line users manual contains complete, screen by screen instructions on how to use the program as well as an overview of the retirement planning process.
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Lock Folder XP is a new security tool that lets you lock your files, folders and drives with your personal password. Now nobody but you can access your most sensitive information. Locking folders, files and drives also effectively protects you from malicious programs, such as viruses, worms and trojans. Here is how Lock Folder XP works - all you have to do is to drag file or folder you want to lock to Lock Folder XP window, and the rest is done automatically. Now your data is protected, hidden and can not be accessed without entering your personal password. It is critical to have effective protection from unauthorized access, since over 80% of reported security breaches come from within the organization, not hackers! Locking files, folders and drives is the best way to guarantee that nobody accidentally or intentionally gets access to your financial, health, private or confidential information. And since locking your files, folders or drives makes them invisible, they can not be deleted, damaged or harmed in any other ways. Even if a virus gets introduced to your system, your locked folders will not be detected, infected or harmed. Here is the important part - Lock Folder XP uses the encryption standards approved by the US Government. This and others innovative and reliable technologies provide the safest way to store your information well protected against hacker attacks, malicious software and dishonest employees. But don't think that Lock Folder XP can only be used in the corporate environment - this application is perfect for home as well. We also advise you get Lock Folder XP if you have a laptop and travel frequently. After all, if your notebook gets lost or stolen, you don't want strangers to see your financial data, credit card or social security numbers. Lock Folder XP is distributed electronically over the Internet. Free trial version is available for download. Retail price is only $24.95
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Protect Folder 98 is a new security tool that lets you lock your files and folders with your personal password. Now nobody but you can access your most sensitive information. Locking folders and files also effectively protects you from malicious programs, such as viruses, worms and trojans. Here is how Protect Folder 98 works - all you have to do is to drag file or folder you want to lock to Protect Folder 98 window, and the rest is done automatically. Now your data is protected, hidden and can not be accessed without entering your personal password. It is critical to have effective protection from unauthorized access, since over 80% of reported security breaches come from within the organization, not hackers! Locking files and folders is the best way to guarantee that nobody accidentally or intentionally gets access to your financial, health, private or confidential information. And since locking your files, folders or drives makes them invisible, they can not be deleted, damaged or harmed in any other ways. Even if a virus gets introduced to your system, your locked folders will not be detected, infected or harmed. Here is the important part - Protect Folder 98 uses the encryption standards approved by the US Government. This and others innovative and reliable technologies provide the safest way to store your information well protected against hacker attacks, malicious software and dishonest employees. But don't think that Protect Folder 98 can only be used in the corporate environment - this application is perfect for home as well. We also advise you get Protect Folder 98 if you have a laptop and travel frequently. After all, if your notebook gets lost or stolen, you don't want strangers to see your financial data, credit card or social security numbers. Protect Folder 98 is distributed electronically over the Internet. Free trial version is available for download. Retail price is only $19.95
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UsenetGrab! has a browser like approach that makes it a great way to get started using the world's largest message community.-Comes with free usenet access courtesy Newscene.com -Post messages and file attachments to groups and interact with others. -Download file attachments from messages such as sound and video. -Get help, advice, or technical support from technical or social newsgroups.
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We are all left alone with our computers one day or another. Getting lost in those buttons, windows and textual information may become an unpleasant experience for everyone. One thing that computers do not do is that they give no emotional contact we get used to in our social life. Presenting AmazingGirls screensaver! From now on you will never feel left alone with senseless machine. AmazingGirls are here to entertain you and give you the ultimate feel of being emotionally involved in dealing with computer reality. Amazing girls will gladly accompany you on your journey to relaxation and serenity. Amazing blonds, brunettes and reds will appear on your screen presenting the whole new reality of eternal beauty. One after another they will show you their beautiful bodies in fantasy dressing. The anime art coming from the mysterious East has something for everyone. Vivid colors, stunning shapes, fantastic elements of dresses and backgrounds never seen before transform our perception of dull grey reality as we travel to unknown worlds of our fantasies. Enjoy the web's most Amazing Girls drawn by talented artists to please your soul and relax your body. Take a rest from numbers and letters jumping over your screen in the hassle of everyday life! Once you start you cannot stop! You will discover that your inner world is far more complex and rich than what it seems on the surface. Sexy and inviting, AmazingGirls are here to turn your world into fantastic universe where everything is possible! Download AmazingGirls right now!
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Personal Knowledge System (TM) is a computer program for the collection and organization of knowledge.
Using the hypertext model, it allows an individual to capture and organize information as it presents itself during the daily routine.
Information about family, friends, hobbies, news, social activities and work constantly presents itself and needs to remembered at a later time.
This information may be entered in a free-form manner, structured and designed by you to meet your exact needs. You create links where necessary to provide easy and quick access to that vital piece of information at any time.
This collection becomes a knowledge base extending the user's memory and providing a mechanism for examining topics of interest in greater detail than is possible without automated assistance.
The Knowledge System provides a natural, easy to use index into the web, other applications and their files, paper files, collectables or anything of interest to the system user.
The Knowledge System also supports daily diary, time tracking, task tracking, problem tracking, project management, problem management, reminder lists, and structured knowledge base development.
Over time, this information provides a tangible record of the lifetime experience.
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Web Cal Plus is an HTML Calendar Generation system. Simply enter your events and Web Cal Plus will generate the HTML code. Attractive multi-color calendars including 12-month year calendars, single month and daily calendars. Includes recurring events, popup daily calendars, FTP upload, event cloning, holidays, filters, RTF format for beautiful calendar messages. Now includes lunar calendar with 8 phases of the moon. The Jewish calendar with Hebrew month names and dates are now supported as well as the Islamic calendar with Islamic month names. Additionally your users can now import their events directly to their PDA's through the vcalendar interface. Now includes Shabbat candle lighting times, sunrise and sunset times. Cloak your email addresses imbedded in the calendar with this program. Great for keeping spam mail harvesters out of range.
The program is great for clubs, associations, boy scouts, church groups, social organizations, businesses and more. Works with Windows 95/98/ME/XP/NT and 2000.
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Quick. Simple. Visual way to plan your Retirement Savings strategy. Are you saving enough for retirement? Retirement Planner will tell you the answer.
The intuitive one screen design will help you develop a savings strategy to reach your retirement income goals. The easy-to-read Principal Graph shows you your growing savings balances. The Income Graph clearly shows you in red if you cannot meet your specified retirement income goal. It's that easy. This software works with all types of retirement plans and assets including 401(k), IRA, 403(b), 457, SIMPLE, and any other defined contribution plan.
"It is one of the most helpful, and easy to use, pieces of retirement planning software I've seen. Thanks." R. Gibson
Retirement Planner makes planning easy by combining all of your retirement assets, savings, and variables into one simple program and includes: Current Age Retirement Age Annual Salary Estimated Annual Raise Retirement Income Goal (in Today's Dollars) Tax Deferred Investments - Current Balance Tax Deferred Investments - Annual Contribution Tax Deferred Investments - Company Match Tax Deferred Investments - Annual Return Taxable Investments - Current Balance Taxable Investments - Annual Contribution Taxable Investments - Tax Bracket Taxable Investments - Annual Return Pension - Annual Amount Pension - Start Age Return During Retirement Estimated Annual Inflation Social Security Estimate Retirement Planner allows you to enter multiple assets for your tax-deferred and taxable investments and analyzes all of your assets together for easy analysis.
As seen in Business Week, Barron's, PC Computing, and PC World, this popular Retirement Planner was rated 5 stars by ZDNet (their highest rating) and highly rated by AAII. Continually updated since 1995.
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And the words only strive to reach -
The words express the effort to row
Some private rowing in the sea of entities
And boundless nothingness...
A collection of poems originally written in Hebrew and translated in English by the author, Ella Bat-Tsion. Reading poetry is a very private experience. Poetry calls upon feelings, life, religious beliefs, social conventions, etc. The reading is influenced by the mood of the moment, the music you are listening to, the odors of the room, the presence or absence of someone... You may like it or you may not; you may understand it or you may not. You don't read poetry, you listen to it; not with your ears but with your mind. This ebook has the look and "feel" of an old book. The author seems to be talking to the reader and invite him to be at one with her and transcend the words. Some poems feel like Ella woke up from a mystic sleep and hurried to write down fragments of a mystical conversation with... Poetry disturbs you? Perhaps you (unconsciously) know the power of words. After all, isn't it a basic tenet of the judeo-christian world that: In the beginning the Word already existed; the Word was with God, and the Word was God.
Ella Bat-Tsion lives in Jerusalem, Israel. She has published ten volumes of her own poetry and also some collections of translations from English (Ryokan, Elsa Gidlow) and French (Robert Desnos, Paul Eluard). She received many literary prizes in her country:
Literary Prizes
Literary prize after Matti Catz, 1972.
Acum prize, 1975.
Prass Ha-yetsira from the Prime Minister Fund, 1980.
Literary prize after Miriam Talpir, 1981.
Many awards from Tel Aviv Fund for Literature and Art.
Prass Ha-yetsira from the Prime Minister Fund, 1996.
Goldberg prize from the Jewish National Fund, 1998.
This evaluation version contains only half of the poems.
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Program Description: RETIREMENT INVESTMENT REQUIRED
This program is a version of a program that will show you how much you need to invest monthly to reach retirement goals. It will run under Win 95, 98, Me, NT4, XP, & 2000. Have you called the Social Security Hotline (1-800-772-1213) to verify your estimated monthly SS benefit so that you can evaluate the monthly shortfall you may experience? This program calculates the amount of money required to provide a given monthly income at retirement with or without withdrawing capital, which, when added to your Social Security monthly benefit, will show your condition. You can then calculate the additional monthly deposits you need to make to retire with financial security. Printouts are professional looking and may be used by financial planners as they assist clients in keeping individual stock portfolio records.
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