5 DIM A$(1),NAME$(25),SNAME$(25)¢10 REM LIFE INSURANCE CALCULATOR¢20 REM HOW MUCH LIFE INSURANCE DO YOU NEED¢30 REM BY FRED N. BUSH 72327,200¢40 ? "}":GRAPHICS 0:POKE 752,1:POKE 709,1:POKE 710,150:POSITION 3,10:? "HOW MUCH LIFE INSURANCE DO YOU NEED?"¢50 RESTORE 60:FOR X=3 TO 14:READ A:POSITION X+8,13:PRINT CHR$(A);:FOR DEL=1 TO 200:NEXT DEL:NEXT X¢55 POSITION 23,13:? ", LUTCF"¢60 DATA 66,89,32,70,82,69,68,32,66,85,83,72¢70 FOR Y=1 TO 2000:NEXT Y¢80 ? "}":POSITION 3,6:? "WOULD YOU LIKE INSTRUCTIONS?"¢85 TRAP 90¢90 ? "ANSWER (Y/N) ";:INPUT A$:IF A$="Y" THEN GOSUB 10000:GOTO 200¢100 IF A$<>"N" THEN 80¢200 REM *** BASIC INFO INPUT ***¢210 LPRINT CHR$(12);CHR$(27);CHR$(69)¢220 LPRINT :LPRINT :LPRINT ¢230 LPRINT "LIFE INSURANCE NEEDS":LPRINT :LPRINT "BASIC INFORMATION"¢235 TRAP 240¢240 ? "WHAT IS YOUR NAME";:INPUT NAME$¢250 LPRINT "NAME: ";NAME$¢260 ? "WHAT IS YOUR SPOUSE'S NAME (IF MARRIED)? PRESS RETURN IF NONE"¢261 INPUT SNAME$¢263 IF SNAME$="" THEN 280¢270 LPRINT "SPOUSE NAME: ";SNAME$¢280 ? "HOW MANY CHILDREN DO YOU HAVE";¢285 INPUT CH:IF CH<=0 THEN 400¢287 COUNT=0¢288 DIM TEMP$(25)¢290 DIM CHIL$(250)¢291 FOR CL=1 TO 250:CHIL$(CL)=CHR$(32):NEXT CL¢292 TEMP$(1)="":TEMP$(25)="":TEMP$(2)="":TEMP$=TEMP$(1)¢295 ? "ENTER EACH CHILD'S NAME, PRESSING פדקרפמ BETWEEN EACH NAME"¢300 INPUT TEMP$:CHIL$(((COUNT*25)+1),((COUNT*25)+25))=TEMP$¢302 CHIL$(((COUNT*25)+25),((COUNT*25)+25))=CHR$(155)¢305 COUNT=COUNT+1:IF COUNT>(CH-1) THEN 350¢310 GOTO 300¢350 LPRINT :LPRINT CHIL$:GOTO 400¢395 LPRINT CHR$(12);"SPOUSE NEEDS"¢400 ? "DO YOU HAVE EXISTING INSURANCE?"¢405 TRAP 410¢410 ? "IF SO, PLEASE ENTER AMOUNT ON MAIN WAGE EARNER":INPUT INSAMT¢420 AVAILCASH=0:AVAILCASH=AVAILCASH+INSAMT¢425 LPRINT "LIFE INSURANCE IN FORCE: ";INSAMT¢430 ? "ENTER VALUE OF ANY SAVINGS ACCOUNTS, INCLUDING CD'S, AND OTHER INVESTMENTS.":INPUT SAVINGS¢435 LPRINT "INVESTMENTS PLUS SAVINGS: ";SAVINGS:LPRINT :LPRINT ¢440 AVAILCASH=AVAILCASH+SAVINGS¢450 ? "AMOUNT FOR FINAL EXPENSE ":INPUT FINEXP¢455 LPRINT "FINAL EXPENSE ALLOTMENT: ";FINEXP¢460 ? "AMOUNT FOR EMERGENCY FUND ";:INPUT EMERG¢465 LPRINT "EMERGENCY FUND: ";EMERG¢470 ? "AMOUNT FOR DEBT LIQUIDATION ";:INPUT DEBT¢475 LPRINT "DEBT LIQUIDATION FUND: ";DEBT¢480 ? "MORTGAGE BALANCE ";:INPUT MORT¢485 IF MOR<=0 THEN PRINT "ENTER AMOUNT OF MONTHLY RENT";:INPUT RENT:RENT=RENT*120¢490 IF MORT>0 THEN LPRINT "MORTGAGE BALANCE: ";MORT¢500 IF RENT>0 THEN LPRINT "RENT FUND: ";RENT¢510 ? "ENTER AMOUNT DESIRED FOR EACH CHILD'S EDUCATION PER YEAR."¢511 INPUT ED1:IF ED1<=0 THEN 530¢520 ? "NUMBER OF YEARS YOU WISH TO PROVIDE"¢525 INPUT ED2¢530 ED3=(ED1*ED2)*CH:LPRINT "EDUCATION FUND: ";ED3¢540 ? "AMOUNT PER MONTH FOR CHILD CARE EXPENSE ":INPUT CCARE¢541 IF CCARE<=0 THEN 560¢545 ? "WHAT IS YOUNGEST CHILD'S AGE ":INPUT YAGE¢550 CCARE=(CCARE*12)/0.07¢560 LPRINT "CHILD CARE FUND: ";CCARE¢561 CCARE=INT(CCARE)¢570 TCNEED=FINEXP+EMERG+DEBT+MORT+RENT+ED3+CCARE¢580 LPRINT "TOTAL CASH NEEDS: ";TCNEED¢590 LPRINT :LPRINT "AVAILABLE RESOURCES: ";AVAILCASH¢600 NCNEED=TCNEED-AVAILCASH:LPRINT :LPRINT "CASH STILL NEEDED FOR BASIC CASH NEEDS: ";NCNEED¢605 TRAP 610¢610 ? "DO YOU WISH TO STOP HERE (Y/N)"¢620 ? "OR DO YOU WISH TO PROCEED?"¢625 INPUT A$¢630 IF A$="Y" THEN GOSUB 3500:GOTO 640¢635 IF A$="N" THEN 1000¢637 IF A$<>"N" THEN 610¢640 POKE 752,0:LPRINT CHR$(12):END ¢1000 ? "INPUT YOUR ANNUAL INCOME";:INPUT ANNINC¢1010 IF ANNINC<15000 THEN PRINT "SOCIAL SECURITY WILL PROBABLY BE ENOUGH":GOTO 640¢1020 IF ANNINC>15000 AND ANNINC<30000 THEN 1100¢1030 IF ANNINC>29999 AND ANNINC<45000 THEN 1200¢1040 IF ANNINC>44999 THEN 1300¢1100 FAMINC=(ANNINC*0.35)/0.07¢1110 LPRINT "FAMILY INCOME FUND: ";FAMINC:GOSUB 2000:GOSUB 3500:GOTO 4000¢1200 FAMINC=(ANNINC*0.45)/0.07:GOTO 1110¢1300 FAMINC=(ANNINC*0.6)/0.07:GOTO 1110¢2000 FAMINC1=FAMINC*5.83E-03¢2010 TEMP=FAMINC1¢2020 TEMP=TEMP*100:TEMP=INT(TEMP)¢2030 FAMINC1=TEMP/100:GOSUB 3000:RETURN ¢3000 LPRINT :LPRINT "THIS WILL PROVIDE ";FAMINC1;" PER MONTH AND LEAVE ";FAMINC;" TO PASS ON TO YOUR"¢3001 LPRINT "CHILDREN."¢3010 LPRINT :LPRINT "THIS WILL BE IN ADDITION TO SOCIAL SECURITY EXPECTED."¢3020 RETURN ¢3500 LINEED=FAMINC+NCNEED¢3510 LPRINT :LPRINT "THE TOTAL AMOUNT OF NEW INSURANCE NEEDED IS: ";LINEED¢3520 LPRINT :LPRINT "YOU SHOULD TAKE CARE OF THIS AS SOON AS POSSIBLE."¢3535 LPRINT "CALL YOUR LOCAL AGENT OR BROKER AND REVIEW THIS FACT SHEET WITH HIM."¢3540 RETURN ¢4000 TRAP 4005¢4005 ? "DO YOU WISH TO CALCULATE THE NEEDS FOR YOUR SPOUSE";:INPUT A$¢4010 IF A$="Y" THEN 395¢4020 IF A$<>"N" THEN 4000¢4030 GOTO 640¢10000 REM *** INSTRUCTION MODULE ***¢10010 ? "}"¢10011 POKE 709,1:POKE 710,40¢10020 ? "This program will help you figure ∙∩⌡≥ needs for life insurance."¢10030 ? "Simply enter the information called for at each prompt"¢10040 ? "and you will find out what your needs really are."¢10050 ? "Don't be alarmed if the numbers seem large."¢10060 ? "Recent surveys show that as a rule of thumb"¢10070 ? "the average wage earner needs 5 to 9 times"¢10080 ? "his or her annual income in coverage,"¢10090 ? "in addition to Social Security,"¢10100 ? "in the typical family situation."¢10105 ? "Your professional life insurance agent would be happy"¢10110 ? "to review this fact sheet with you."¢10115 PRINT ¢10120 ? "FOR MORE INSTRUCTIONS PRESS óחó"¢10130 ? "TO RETURN TO PROGRAM PRESS ANY OTHER KEY"¢10135 TRAP 10140¢10140 INPUT A$:IF A$="I" THEN GOSUB 11000¢10150 RETURN ¢11000 LPRINT CHR$(12)¢11005 LPRINT "The Final Expense Fund is to pay funeral bills and clean up any"¢11010 LPRINT "unpaid medical bills, and estate or other legal or administrative expenses."¢11020 LPRINT "This fund is usually equal to about 50% of your salary."¢11030 LPRINT :LPRINT "The Emergency Fund is for just that."¢11040 LPRINT "It is a block of money left on deposit to pay for"¢11050 LPRINT "extraordinary expenses such as a new roof, major car repairs or replacement, etc."¢11060 LPRINT "It is usually equal to about 50% of annual income."¢11070 LPRINT :LPRINT "The Debt Liguidation Fund is to pay off any debts which are"¢11080 LPRINT "not already covered by credit life insurance."¢11090 LPRINT "Enter your total amount of such bills."¢11100 LPRINT :LPRINT "The Mortgage/Rent module asks for your mortgage balance."¢11110 LPRINT "If you are a renter, enter a '0' at the Mortgage prompt"¢11120 LPRINT "and then enter the amount of your monthly rent at the next prompt."¢11130 LPRINT "The program will capitalize a Rent Fund for you."¢11140 LPRINT :LPRINT "The Child/Home Care Fund will capitalize a fund to provide the amount"¢11150 LPRINT "necessary to provide the monthly payment you entered."¢11160 LPRINT "This fund will be based on your youngest child's age."¢11170 LPRINT "Child care usually costs at least $300 to $400 per month."¢11180 LPRINT :LPRINT " The Education Fund module allows you to provide a selective"¢11190 LPRINT "amount per year for your child's education."¢11200 LPRINT "This amount should be that charged by the school you wish your children"¢11210 LPRINT "to attend."¢11220 LPRINT :LPRINT "The Family Income module calculates the amount"¢11230 LPRINT "of money necessary to keep your family in their same world"¢11240 LPRINT "after the breadwinner's death, allowing for Social Security."¢11250 LPRINT "It is based on your annual income, and is adjusted"¢11260 LPRINT "for your level of income."¢11270 RETURN ¢
