0 POKE53282,16:POKE53283,15:POKE53284,2:POKE53265,PEEK(53265)OR64
1 POKE53281,7:POKE53280,7:PRINTCHR$(149):PRINT"[147]"
2 FORI=1TO8:PRINT:NEXT:PRINT"     [176][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][174]"
3 PRINT"     [194]                               [194]"
4 PRINT"     [194]       LIFE INSURANCE NEEDS    [194]"
5 PRINT"     [194]                               [194]"
6 PRINT"     [173][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][189]":PRINT:PRINT
7 PRINTTAB(5);"DO YOU WANT AN INTRODUCTION <Y/N>"
8 GETS$:IFS$=""THEN8
9 IFS$<>"N"ANDS$<>"Y"THEN7
10 PRINT"[147]":POKE53281,7:POKE53280,7:PRINTCHR$(149):IFS$="Y"THENGOSUB5000
20 DR$="[176][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][174]"
25 DV$="[173][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][189]"
30 DW$="[194]                                 [194]"
31 IFX=1THENX=.:GOTO340
32 RR$="[176][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][174]"
33 RV$="[173][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][189]"
34 RW$="[194]                                 [194]"
35 PRINTTAB(3);DR$:PRINTTAB(3)DW$
40 PRINT"   [194]     GROSS ESTATE ESTIMATES      [194]"
50 PRINTTAB(3);DW$:PRINTTAB(3)DV$
65 PRINT:PRINT:PRINTTAB(3);RR$
70 PRINTTAB(3);"[194]NET WORTH PLUS INSURANCE PROCEEDS[146][194]"
75 PRINTTAB(3);RW$
80 PRINTTAB(3);"[194]+++++1. $0       TO $20,000 [146]+++++[194]"
85 PRINTTAB(3);RW$
90 PRINTTAB(3);"[194]+++++2. $20,000  TO $200,000[146]+++++[194]"
95 PRINTTAB(3);RW$
100 PRINTTAB(3);"[194]+++++3. $200,000 TO OVER    [146]+++++[194]"
105 PRINTTAB(3);RW$
110 PRINTTAB(3);"[194]+++++4.     END PROGRAM     [146]+++++[194]"
115 PRINTTAB(3);RW$
120 PRINTTAB(3);"[194]+++++   PLEASE SELECT ONE   [146]+++++[194]"
125 PRINTTAB(3);RW$
130 PRINT"   [194]                                 [146][194]"
135 PRINTTAB(3);RV$
140 GETS$:IFS$=""THEN140
145 S=VAL(S$):IFS<1ORS>4THENPRINT"PLEASE ENTER A NUMBER 1-4":GOTO140
150 IFS=4THENPRINT"[147]":FORI=1TO12:PRINT:NEXT:PRINTTAB(8);"PLEASURE TO SERVE YOU"
155 IFS=4THENFORI=1TO2000:NEXT:PRINT"[147]":END
160 IFS=1THENGE=2200
170 IFS=2THENGE=5000
180 IFS=3THENGE=10000
190 PRINT"[147]":PRINTTAB(3);DR$:PRINTTAB(3);DW$
220 PRINTTAB(3);"[194]        NON-MORTGAGE DEBTS       [194]"
230 PRINTTAB(3);DW$:PRINTTAB(3);DV$
240 PRINT:PRINT:PRINT
250 DR$="[176][195][195][195][195][195][195][195][195][195][195][195][195][195][174]":DV$="[173][195][195][195][195][195][195][195][195][195][195][195][195][195][189]"
260 PRINTTAB(3);DR$;:PRINTTAB(23);DR$
270 PRINTTAB(3);"[194]  AUTO LOAN  [194]";:PRINTTAB(23);"[194]CREDIT-CARDS [194]"
280 PRINTTAB(3);DV$;:PRINTTAB(23);DV$:PRINT:PRINT:PRINT
290 PRINTTAB(3);DR$;:PRINTTAB(23);DR$:PRINTTAB(3);"[194]PERSONAL NOTE[194]";
300 PRINTTAB(23);"[194]MISCELLANOUS [194]":PRINTTAB(3);DV$;:PRINTTAB(23);DV$
301 PRINT:PRINT:PRINT:PRINTTAB(3);"[176][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][174]"
303 PRINTTAB(3);"[194]  PLEASE ENTER AMOUNT AT PROMPT  [194]"
305 PRINTTAB(3)"[173][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][195][189]"
310 INPUT"[145][145][145][145][145][145][145][145][145][145][145]==>$";AL:INPUT"[145]==>$";CC
320 INPUT"==>$";PN:INPUT"[145]==>$";MC
330 NM=AL+CC+PN+MC:PRINT"[147]":X=1:GOTO20
340 PRINT:PRINTTAB(3);DR$:PRINTTAB(3);DW$
350 PRINTTAB(3);"[194]          EMERGENCY FUND         [194]":PRINTTAB(3)DW$
360 PRINTTAB(3);DV$:PRINT:PRINT"   +++++++++++++++++++++++++++++++++++"
362 PRINTTAB(3);"+";:PRINTTAB(37);"+"
365 PRINTTAB(3);"+ESTIMATE TWO MONTHS TAKE HOME PAY+"
370 PRINTTAB(3);"+";TAB(37);"+":PRINTTAB(3);"+          FOR A RESERVE";
375 PRINTTAB(37);"+":PRINTTAB(3);"+++++++++++++++++++++++++++++++++++"
380 PRINT:PRINT:PRINTTAB(3);DR$:PRINTTAB(3);DW$
390 PRINTTAB(3);"[194]  TOTAL INVESTED ASSETS ON HAND  [194][146]":PRINTTAB(3)DW$
400 PRINTTAB(3)DV$:INPUT"[145][145][145][145][145][145][145]==>$";MP
410 INPUT"==>$";IA:PRINT"[147]":PRINTTAB(3);DR$:PRINTTAB(3);DW$
420 PRINTTAB(3);"[194]          COLLEGE FUND           [194]":PRINTTAB(3);DW$
430 PRINTTAB(3);DV$:PRINT:PRINTTAB(3);"+++++++++++++++++++++++++++++++++++"
440 PRINTTAB(3);"+ THIS ASSUMES 9,000/YEAR PRIVATE +":PRINTTAB(3);"+";
450 PRINT" 4,900/YEAR STATE-PUBLIC COLLEGE +":PRINTTAB(3);"+      ROOM - ";
460 PRINT"BOARD - TUITION     +":PRINT"   +++++++++++++++++++++++++++++++++++"
470 PRINT:PRINTTAB(3);RR$:PRINTTAB(3);"[194]+++++1. PRIVATE  UNIV";
480 PRINT"ERSITY++++++[194]":PRINTTAB(3);"[194]+++++2. PUBLIC   UNIVERSITY++++++[194]"
490 PRINTTAB(3);"[194]+++++3. PLEASE  SELECT  ONE++++++[194]":PRINTTAB(3);RV$:PRINT
500 GETC$:IFC$=""THEN500
510 IFC$<"1"ORC$>"2"THEN500
520 IFC$="1"THENC=9600
530 IFC$="2"THENC=4900
540 PRINTTAB(3)"[194] NO OF CHILDREN TO ATTEND [194]"
550 PRINTTAB(3);"[194] TOTAL YEARS TO ATTEND    [194]"
560 INPUT"[145][145]";NC
570 INPUT"";TY
580 T1=(C*NC)*TY:PRINT"[147]":PRINT:PRINT:PRINTTAB(3);DR$:PRINTTAB(3);DW$
590 PRINTTAB(3);"[194] EXPECTED ANNUAL LIVING EXPENSES [194]":PRINTTAB(3);DW$
600 PRINTTAB(3);DV$:PRINT:PRINT:PRINTTAB(3);DR$:PRINTTAB(3);DW$
610 PRINTTAB(3)"[194] SPOUSE'S AVERAGE ANNUAL INCOME  [194]":PRINTTAB(3);DW$
620 PRINTTAB(3);DV$:PRINT:PRINT:PRINTTAB(3);DR$:PRINTTAB(3);DW$
630 PRINTTAB(3);"[194] ANNUAL SOCIAL SECURITY BENEFITS [194]":PRINTTAB(3);DW$
640 PRINTTAB(3);DV$:INPUT"[145][145][145][145][145][145][145][145][145][145][145][145][145][145]==>$";EL
650 INPUT"==>$";AI:INPUT"==>$";SS
660 LE=EL-AI-SS:PRINT"[147]":FORI=1TO9:PRINT:NEXT:PRINTTAB(3);DR$:PRINTTAB(3);DW$
670 PRINTTAB(3);"[194] NO OF YEARS UNTIL SPOUSE IS 90  [194]"
680 PRINTTAB(3);"[194]     INVESTMENT RATE FACTOR      [194]":PRINTTAB(3);DW$
690 PRINTTAB(3);DV$:PRINT:PRINTTAB(12);"==>";:INPUTYR
700 PRINT"[147]"
710 PRINTTAB(10);"[206]  INVESTMENT RATE FACTOR  [206]"
720 PRINTTAB(9);"[206][163][163][163][163][163][163][163][163][163][163][163][163][163][163][163][163][163][163][163][163][163][163][163][163][163][163][206]"
730 PRINTTAB(8);"[206]  S     [206] *A* E  [206] *B*    [206]"
740 PRINTTAB(7);"[206]  R     [206]     V  [206]        [206]"
750 PRINTTAB(6);"[206]  A     [206]  T  I  [206]  T  E  [206]"
760 PRINTTAB(5);"[206]  E     [206]  N  T  [206]  N  V  [206]"
770 PRINTTAB(4);"[206]  Y  0  [206]  E  A  [206]  E  I  [206]"
780 PRINTTAB(3);"[206]     9  [206]  M  V  [206]  M  S  [206]"
790 PRINTTAB(2);"[206]  R     [206]  T  R  [206]  T  S  [206]"
800 PRINTTAB(1);"[206]  E  L  [206]  S  E  [206]  S  E  [206]"
810 PRINT"[170]  B  I  [170]  E  S  [170]  E  R  [170]":PRINT"[170]  M  T  [170]  V  N  [170]  V  G  [170]"
820 PRINT"[170]  U  N  [170]  N  O  [170]  N  G  [170]":PRINT"[170]  N  U  [170]  I  C  [170]  I  A  [170]"
830 PRINT"[170][183][183][183][183][183][183][183][183][183][183][183][183][183][183][183][183][183][183][183][183][183][183][183][183][183][183][208]":PRINT"[170]   25   [170]   20   [170]   16   [170]"
840 PRINT"[170]   30   [170]   22   [170]   17   [170]":PRINT"[170]   35   [170]   25   [170]   19   [170]"
850 PRINT"[170]   40   [170]   27   [170]   20   [170]":PRINT"[170]   45   [170]   30   [170]   21   [170]"
860 PRINT"[170]   50   [170]   31   [170]   21   [170]":PRINT"[170]   55   [170]   33   [170]   22   [170]"
870 PRINT"[170]   60   [170]   35   [170]   23   [170]":PRINT"[170][175][175][175][175][175][175][175][175][175][175][175][175][175][175][175][175][175][175][175][175][175][175][175][175][175][175][186]"
875 PRINT"[145][145][145][145][145][145][145][145][145][145][145]FIND YEARS"
876 PRINT"PICK FROM"
877 PRINT"A OR B"
880 INPUT"==>";FI
890 TL=LE*FI:PRINT"[147]"
895 TN=GE+NM+MP+T1+TL
900 PRINT"+++++++++++++++++++++++++++++++++++++++"
910 PRINT"+                                  [146]   +"
920 PRINT"+      YOUR LIFE INSURANCE NEEDS   [146]   +"
930 PRINT"+                                  [146]   +"
945 PRINT"+++++++++++++++++++++++++++++++++++++++":PRINT
955 PRINT"+ 1. FUNERAL/ESTATE TAXES/ETC. ";GE
960 PRINT"+ 2. SETTLE NON-MORTGAGE DEBTS ";NM
965 PRINT"+ 3. EMERGENCY FUND            ";MP
970 PRINT"+ 4. COLLEGE FUND              ";T1
980 PRINT"+ 5. EXPECTED LIVING EXPENSES"
990 PRINT"+    A. AVG. ANNUAL LIVING EXP.";EL
1000 PRINT"+    B. SPOUSE'S AVG. INCOME   ";AI
1010 PRINT"+    C. ANNUAL SOCIAL SECURITY ";SS
1020 PRINT"+    D. NET ANNUAL LIVING EXP. ";LE
1030 PRINT"+    E. YEARS UNTIL 90         ";YR
1040 PRINT"+    F. INVESTMENT RATE FACTOR ";FI
1050 PRINT"+    G. TOTAL LIVING EXP.      ";TL
1060 PRINT"+ 6. TOTAL MONETARY NEEDS      ";TN
1070 PRINT"+ 7. TOTAL INVESTMENT ASSETS   ";IA
1075 LN=TN-IA
1080 PRINT"+ 8. LIFE INSURANCE NEEDS      ";LN
1090 PRINT"+++++++++++++++++++++++++++++++++++++++"
1100 PRINT:PRINT"       PRESS ANY KEY TO CONTINUE"
1110 GETKE$:IFKE$=""THEN1110
1120 PRINT"[147]":GOTO35
5000 PRINT"[147]":PRINT"    IS YOUR LIFE INSURANCE SUFFICIENT--  OR IS IT MORE";
5010 PRINT" THAN YOU NEED?"
5020 PRINT:PRINT"    THE BEST WAY TO TELL IS TO CALCULATE WHAT YOUR FAMILY";
5030 PRINT" WOULD REQUIRE IF YOU   DIED TODAY.":PRINT
5040 PRINT"    INSURANCE NEEDS ARE NO LONGER BASED  ON A MULTIPLE OF YOUR";
5050 PRINT" SALARY. INSURANCE NEEDS USUALLY PEAK EARLY IN YOUR CAREER";
5060 PRINT" AND THEN DECLINE AS YOU MOVE TOWARD     RETIREMENT, EVEN TO BEING";
5070 PRINT" SELF INSURED."
5080 PRINT"    USING THIS PROGRAM YOU WILL BE ASKED VARIOUS QUESTIONS, TO";
5090 PRINT" IDENTIFY SUMS TO  BE PAID OR SAVED, THEN CALCULATE THE    FAMILIES";
5100 PRINT" POTENTIAL INCOME AND LIVING    EXPENSES.  THIS AMOUNT IS REDUCED";
5110 PRINT" BY    INVESTING THE LIFE INSURANCE PROCEEDS.":PRINT
5115 PRINT"       <PRESS ANY KEY TO CONTINUE>[146]"
5116 GETK$:IFK$=""THEN5116
5117 PRINT"[147]"
5120 PRINT"    THE TOTAL";
5130 PRINT" INSURANCE NEEDED IS FOUND BY ADDING THE IMMEDIATE AND LONG--";
5140 PRINT"TERM  EXPENSES AND SUBSTRACTING THE VALUE OF  INVESTMENT ASSETS";
5150 PRINT" ON HAND.":PRINT:PRINT"    TO ESTIMATE SOCIAL SECURITY BENEFITS";
5160 PRINT"YOU SHOULD USE $5,000 IF YOU HAVE TWO   OR MORE MINOR CHILDREN.";
5170 PRINT" USE $4,000 FOR  ONE CHILD AND $3,000 FOR NO CHILDREN.":PRINT
5180 PRINT"    A WORK SHEET PROVIDES A CHOICE OF   TWO INVESTMENT RATE FACTORS";
5190 PRINT" YOU CAN USE TO FIGURE IN THE POTENTIAL EARNINGS     FROM INVESTING";
5200 PRINT" THE INSURANCE PROCEEDS.  1. A CONSERVATIVE PORTFOLIO SUCH AS BANK";
5210 PRINT"ACCOUNTS AND BONDS (2% REAL GROWTH AFTERINFLATION AND TAXES) OR";
5220 PRINT" 2. A MORE AGGRESSIVE INVESTMENT SUCH AS STOCKS AND REAL ESTATE";
5230 PRINT" THAT MIGHT YIELD 4% REAL GROWTH."
5240 PRINT:PRINT"       <PRESS ANY KEY TO CONTINUE>[146]"
5250 GETK$:IFK$=""THEN5250
5260 PRINT"[147]":RETURN
5300 REM*******************************
5301 REM* BASED ON AN ARTICLE IN 'WALL
5302 REM* STREET JOURNAL' BY KAREN
5303 REM* SLATER...."CHANGING LIFE-
5304 [143]* INSURANCE NEEDS REQUIRE
5305 [143]* PERIODIC LOOK AT YOUR FAMILY'S
5306 [143]* COVERAGE"....SOURCE: BAILARD,
5307 REM* BIEHL & KAISER INC., SAN
5308 REM* MATEO, CALIF.
5309 REM* PROGRAM BY GLENN LUMPKINS
5310 REM* WRITTEN APRIL, 1984 V3
5311 REM*******************************