c:: ·~&~~,M&iM4M~Mi'og,g,~g,g,g,§hg,M~M:uif!J~ Jjjjjjjjjjjjf uuuuuuuuuuuu uuuuu u u uuuu UttUUU u u uuuuuuuuuuuuuuu u nuA couple of months ago we discussed the much as 15 percent of your pay into your inneedfor planning for that inevitable day of d ividual retirement account. Of course, itretirement. The question we posed then was wasn' t as simple as that. Regardless of yourjust how " golden" those years would be. salary, $1,500 was the most you were alUn ti! recently the sources of " gold" were So- lowed to set aside. In other words, you couldcial Security and a company pension plan (if set aside 15 percent of the first $10,000 ofyou were lucky enough to have one). your income.In 1974 if you weren't covered under If your total income in 1974 was onlysome company retirement plan, you could $10,000, you would no doubt have found itset up one for yourself and it would even be quite difficult to set aside anywhere neartax-deductible. There were some rules you $1,500. The fact that the money you sethad to follow, though. You could set aside as · aside was tax-deductible wouldn't haveSTOCK MANAGER.OPTIONS-SO.BOND M~NABER.Analyse investmentreturn. User friendlY.Commissions, risk andtaxes incl. Graphs.Printouts. Record todisk. With completeManuals. $<strong>12</strong>5 eachPackage discounts.M/C & Visa.Free brochure.OPTIONS-SO, Box 471-BConcord, MA 01742.Stocks, BondsListed Optionsmade you very excited either. You certainlyweren't in a 50 percent tax bracket with a$10,000 income.Additional rules came into play if yourspouse was not working. The maximum allowablecontribution in that case was raisedto $1 ,750 or 15 percent of your pay, whicheverwas less . Then you each had to have anindividual retirement account (IRA) and themoney had to be divided equally betweenyour two accounts if you wanted to be ableto take the maximum tax deduction.Were you better off if you were one of agrowing number of two-paycheck families?That was not a question with a straightforwardanswer. If neither of you had a companypension plan, you could each set upyour own account. If you earned at least$10,000, you could place the maximum of$1,500 into your IRA. But typically, if yourwife was working, her paycheck wasn't aslarge as yours. Her income may not havebeen sufficient to allow a $1,500 contribution.What effect did that have?If she earned $7,000, she could have puta maximum of $1 ,050 into her IRA. If sheearned $9 ,000, the allowable amount was$1,350. Even if your income was more thanhigh enough to put the maximum amountinto your account, you still were not allowedto make up the difference in hers.Your combined income of $20,000 or morewould not provide you with the maximum$3,000 tax deduction unless that $20,000 incomewas earned in an equal portion by eachof you.Time marches on, and the rules of thegame change. With so much talk of the SocialSecurity program being in financialtrouble, Uncle Sam has decided to let everybodywho is employed have an IRA, regardlessof whether or not they are coveredwhere they work. Nice idea. He's also decidedto raise the maximum allowable con-3 6 softolk for the IBM Personal Computer December <strong>1982</strong>
SIMPLICITY:THE ULTIMATE SOFTWARE SOPHISTICATIONTHE ACCOUNTANT is your alternative tocostly and inflexible accounting systems.Organized into four packages, The Accountantis fully menu driven and includes GeneralLedger, Accounts Receivable,Accounts Payable and Payroll.Using commercially availableforms, The Accountant is-designedfor easy startup and_ "ncludescomprehensive aining manualsand sample data nles for practice pri0rto actual installation.soft®Insoft, Inc.IOI 75 S.W Barbur Blvd.Suite 202BPortland, Oregon 97219503/ 244-4181DATA DESIGN is, quite simply, the mosteasy-to-use data base manager available.Fully menu driven and complete with helpscreens, Data Design uses the function keysto minimize learning time and operatorkeystrokes. Designed specifically forthe Personal Computet, Data Designis as powerful as it is simple. Allinformation is entered, viewed,changed and printed throughuser -created forms. Each formmay have up to 40 actual andcomputed fields, and since eachtable may use as many as 26 forms, informationis always ready in precisely the desiredformat. Data Design is ideal for mailinglists, tickler files, customer/patient records,invoicing and accounts receivable.Available in October at your local.... .. Personal Computer dealer, or from·~ ~ Insoft: $225.00.= ;f;f//Tt-- -- - --------- - --------~------------------------- - ---------Please send me more information about:D The AccountantI wou ld like to purchase:D Dat a DesignD The Accountant for $365.00 D Data Design for $225.00D Enclosed is iny company check/money order.D Please charge my D VISA D MasterCardCa rd No.: _ ______ Exp. Date: _ _ _Signature: _ _ _ _ ___ _ ___ _Name: _ ___________ _Firm: ________ Tit le: ___ __ _ ____ _ State:_ Zip: __ _Both packages support the IBM(Epson) printer and a variety ofhard disks.
- Page 3 and 4: going now.Craig Stinson . . . . . .
- Page 6 and 7: STARTING FROM ZERO?lMeet(The INSTRU
- Page 8 and 9: lA person considering the purchase
- Page 10 and 11: the Spectrum card you can interface
- Page 12 and 13: 10 softolk
- Page 14 and 15: Gib Hoxie, left, explains the featu
- Page 16: The client threw Hoxie out of his c
- Page 19: warmed-up car, and drive away in co
- Page 22 and 23: SYSTEM NOTEBOOKby·AJan BoydIOver t
- Page 24 and 25: mode to 132 columns.If you prefer u
- Page 26 and 27: mode to 132 columns.If you prefer u
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- Page 43 and 44: FOR EACH$YOU PUTINTAX ANNUAL TAX YO
- Page 45 and 46: enter a flush right format and then
- Page 47: enter information on the coins in h
- Page 50 and 51: Intelligent Statements, Holmes, PAK
- Page 52 and 53: International Software Marketing,Sy
- Page 55 and 56: $595 ·with 64KInstalled
- Page 57 and 58: to Logo's turtle graphics. It inclu
- Page 59 and 60: Iformats footnote calls, footnotes,
- Page 62 and 63: Ashton-Tate, Culver City, CAdBase l
- Page 64 and 65: GMS Systems, New York, NYPower-Base
- Page 66 and 67: Options-SO, Concord, MAOptions-80,
- Page 68 and 69: signed specifically for public acco
- Page 70 and 71: ment, fast assembler, general purpo
- Page 72 and 73: hidden files, and a program that te
- Page 74 and 75: dable to 256K. $499.Giltronix, Palo
- Page 76 and 77: Cdex Trainingfor VisiCalc®Makes Vi
- Page 78 and 79: Disk Drive Cover. Designed to prote
- Page 80 and 81: An Index of Stocking Stuf fersHigh
- Page 83 and 84: II systemicsby Larry ReaganThe Spar
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- Page 89 and 90: Why pay h_undreds more fora four (a
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TRANSFORM YOUR IBM® TOTALLYGRAPHIC
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