J And L Rule 72T Calculator v1.1                                
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                                   08-28-2003         [xx/01]                                   

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  ▀███▓███▓▀▀               The diGERATi Present                ▀▀▓███▓███▀    
      ▀▀▀                                                                      
█▄▄▄▄▄▄                 J And L Rule 72T Calculator v1.1                ▄▄▄▄▄▄█
    ▀███▓▄                                                           ▄███▓▀    
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     ███▀                        Release Info                         ▀██▓     
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▐█▓▓      Cracker ......: DIGERATI        Release-Type..: Incl_KeyGen      ██▓▌
██▓▌      Packager......: STCPacker       Release-Date..: 08/28/2003       ▐██▓
██▓       Supplier......: DIGERATI        Protection....: Serial            ██▓
▐██       Coder.........: N/A             OS............: WinAll            █▓▌
 ██▓ ░    Company.......: J&L Software    Disks.........: xx/01          ░ ▓█▓ 
  ▀██░                                                                   ░█▓▀  
  ▀██░    URL: http://www.jlplanner.com/rule/                            ░█▓▀  
▓▄ ▐█▓▌                                                                 ▐█▓▌ ▄▓
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█▄    █▄▀▀████▓▀   ▐█▓▌    ▀     Release Notes     ▀    ▐█▓▌   ▀▓████▀▀▄█    ▄█
   ▄█▓    ▄▄▄   ▄▄█▓▀                                   ▀█▓▄▄   ▄▄▄    █▓▄     
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▐█▓▌                                                                       ▐█▓▌
██▓                                                                         ██▓
██▓       In 2002 the IRS issued a ruling that allows early                 ██▓
██▓       distributions from retirement accounts without being              ██▓
██▓       penalized if those distributions are "part of a series of         ██▓
██▓       substantially equal periodic payments" (SEPP).                    ██▓
██▓                                                                         ██▓
██▓       The payments are annual and must continue for at least 5          ██▓
██▓       years or until the age of 59 1/2 is attained.See Rev. Rul.        ██▓
██▓       2002-62 on the www.treasury.gov web site.                         ██▓
██▓                                                                         ██▓
██▓       These distributions are calculated base on three methods,         ██▓
██▓                                                                         ██▓
██▓       1. Required minimum distribution method,                          ██▓
██▓       2. Fixed amortization method, and the                             ██▓
██▓       3. Fixed annuitization method.                                    ██▓
██▓       Methods 1 and 2 utilize Life Expectancy Tables and method 3       ██▓
██▓       utilizes a mortality table.                                       ██▓
██▓       Methods 2 and 3 result in a fixed yearly distribution while       ██▓
██▓       method 1 results in a distribution that varies from year to       ██▓
██▓       year.                                                             ██▓
██▓                                                                         ██▓
██▓                                                                         ██▓
██▓       Tables                                                            ██▓
██▓                                                                         ██▓
██▓       There are three tables that may be used to determine your         ██▓
██▓       annual distribution.                                              ██▓
██▓       Note: Once you have chosen a table and begin distributions        ██▓
██▓       you should not consider changing either the method or the         ██▓
██▓       table without professional advice.                                ██▓
██▓                                                                         ██▓
██▓       Single Life Table                                                 ██▓
██▓       This table produces the highest distribution. It does not         ██▓
██▓       take into account the age of your beneficiary.The Single          ██▓
██▓       Life Table may be used by anyone.                                 ██▓
██▓       Joint Life Table                                                  ██▓
██▓       This is a table to determine joint survivorship. Married          ██▓
██▓       couples have the option of choosing this method as long as        ██▓
██▓       their spouse is the beneficiary on the retirement account.        ██▓
██▓       Married couples do not have to choose this table -- it is         ██▓
██▓       only an option.                                                   ██▓
██▓       Uniform Life Table                                                ██▓
██▓       This is the same table the IRS created to simplify the            ██▓
██▓       Required Minimum Distribution (RMD) requirements. It also         ██▓
██▓       does not use the age of the beneficiary. This table can be        ██▓
██▓       used regardless of marital status or selected beneficiary.        ██▓
██▓                                                                         ██▓
██▓       Methods                                                           ██▓
██▓                                                                         ██▓
██▓       Minimum Method                                                    ██▓
██▓       Each year this method calculates a distribution by dividing       ██▓
██▓       your current account balance by the life expectancy value         ██▓
██▓       determined by the table chosen and current age. The               ██▓
██▓       distribution varies each year.                                    ██▓
██▓       Amortization Method                                               ██▓
██▓       This method calculates an annual distribution by amortizing       ██▓
██▓       your account balance over the life expectancy value from          ██▓
██▓       the chosen table. The distribution does not vary from year        ██▓
██▓       to year.                                                          ██▓
██▓       Annuity Method                                                    ██▓
██▓       This method uses an annuity factor to calculate the               ██▓
██▓       distribution. The distribution calculation is defined by          ██▓
██▓       the Treasury Department as "The annual payment is                 ██▓
██▓       determined by dividing the account balance by an annuity          ██▓
██▓       factor that is the present value of an annuity of $1 per          ██▓
██▓       year beginning at the taxpayer's age and continuing for the       ██▓
██▓       life of the taxpayer." This method does not use the age of        ██▓
██▓       the beneficiary,                                                  ██▓
██▓       The J&L Rule 72T Calculator uses the Annuity 2003 Mortality       ██▓
██▓       Table referenced in the Department of the Treasury Rev.           ██▓
██▓       Rul. 2002-63.                                                     ██▓
██▓                                                                         ██▓
██▓       IMPORTANT:                                                        ██▓
██▓       Under certain circumstances you can change your                   ██▓
██▓       distribution method one time. You should seek professional        ██▓
██▓       advice or consult with the IRS before considering any             ██▓
██▓       changes once a distribution has taken effect.                     ██▓
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  ▀██▓▄▄   ▐██▄        ▄        Install  Notes         ▄        ▄█▓▌   ▄▄▓██▀  
   ▄▀▀████▄█▓▓ ▀▀   ▄▄                                   ▄▄   ▀▀ ██▓▄████▀▀▄   
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██▓ ▀ ▐█▌                                                             ▐█▌ ▀ █▓▓
▀██▓▄▄█▓                                                               █▓▄▄██▓▀
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█▓▌▀█                                                                     █▀▐█▓
██▓       1. Unpack and install the software                                ██▓
██▓       2. Run keygen.exe to create your own serial                       ██▓
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▀██▓ ▄▓▌                                                               ▓█▄ ██▓▀
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▐█▓▌ ▄▀                                                                 ▀▄ ▐█▓▌
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█▓▌   ▀▓▌                                                             ▐▓▀   ▐▓█
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▐█▓▌▀█▓                                                                 █▓▀▐█▓▌
██▓  ▐█▓                                                               █▓▌  █▓▓
▐█▓▌  ██▓                                                             ██▓  ▐█▓▌
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▐▓  ░▀██▄                                                             ▄██▀░  ▓▌
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▀███▓▓▀  ▀▀                                                         ▀▀ ▀▀██▓▓▓▀
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▐▌ ▀██▓▌                                                               ▐█▓▓▀ ▐▌
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  █▓ ▄▓                                                                 ▓▄ █▓  
▄█▓  █▓▌         FORGET IT. WE WILL CONTACT YOU IF WE NEED YOU.        ▐█▓  █▓▄
█▓▌  ▐█▓                                                               █▓▌  ▐█▓
▀█▓   █▓▌                                                             ▐█▓   █▓▀
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▐▓▌ Ascii by Yce*Remorse                            Last update XX/XX/XXXX  ▐▓▌
 ▀█▄▄                                               CRC:??????????         ▄█▀ 
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