Last session Raymond Jepsen told Don about Re: Quicken & Excel in a message 
dat
d 12-20-95  14:42
 RJ> |when I was trying to decide if I could really afford to retire at
 RJ> the age |of 52
 RJ> I went through the same thing. The company I worked for (Ameritech)
 RJ> became a "baby bell" after the breakup of the BellSystem. It was Ohio
 RJ> Bell until Ameritech came along and ruined it. Things really got bad;
 RJ> they closed dept. after dept. and then started chopping people. Then,
 RJ> they hired new people off the street for 6 bucks. That's when I
 RJ> decided to bail out. My friends who wanted to get out but did not have
 Ray that is really weird, I retired from Southwestern Bell Telephone 
ompany.
 Same story. I had a great job working in Billing and collections as a liason
 between the IC's and Marketing, and Information systems. then they put me 
into
 Revenue and public Affairs where I had responsibility for the Operator
 Services tariffs for all states. Sounds impressive? I had one person working
 for me and she only had enough work for part time. where do you think that
 left me? I didn't hesitate to take advantage of the early retirement offer,
 especially if I could walk out with a lkump sum settlement.
 RJ> enough time tell me the place really sux bad and they are doing the job
 RJ> of three to five people. They really hate it and say I did the right
 RJ> thing by taking early retirement. We are about the same age... I'm 51
 RJ> and was with the telephone Co. for just 23 years. Do you know how to
 RJ> annuitize your IRA account, avoid the 10% penality, before age 59 1/2?
 Yes, I just started hitting my IRA this year. I'm letting ED Jones take care
 of my portfolio. Yes, I know I could get by a lot cheaper elsewhere, but 
his
 way they sell off the funds each month for me and generate a check.
 Ray are you doing anything productive to make money other thatn in
 investments? an associate and myself have gone into the Long Distance
 business. We are reselling MCI Service. We have not really got up and going
 yet but plan on hitting it hard (or semi-hard) starting next month.
 RJ> You can do it yourself without buying an annuity contract. You just
 RJ> divide your IRA balance on Dec. 31 each year by your age factor. You
 RJ> get the age factor from the IRS pub. on IRA accounts. I also built an
 RJ> Excel sheet to do this... you just plug in the balance and it projects
 RJ> what you can draw penality free for various ages.....
 RJ> Ok, great. Do you have PKZ204G so we can send compressed files? If
 RJ> you're a little rusty with Excel, I'll be glad to help you come up to
 RJ> speed. Which version do you have? I have Excel 4.0a and Quicken 4.0.
 RJ> The books I use are Osborne/McGraw-Hill "Excel 4 for Windows" and Que
 RJ> "Using Excel 4 for Windows"
Yes, I have PKZ204G and you can attach files to me by using my E-Mail address
don.bueltmann@slug.org. I am presently using Excel 5, but I gave myself a 
major
PC upgrade for Xmas and am running Windows 95, very soon I will have the new
Office Pro Package installed I think they are calling that Excel 7? I would
imagine I will still have downward compatibility.
Have a nice holiday Ray.
TTYL
 RJ> --Raymond
 RJ> -!-
 RJ> * OLX 2.1 TD * She was pretty.I called her Kitty.They can't tax
 RJ> memories 
 RJ> -!- WILDMAIL!/WC v4.12 
 RJ>  ! Origin: The Computer Room-Pickerington, Oh (614)861-8377 
 RJ> (1:226/110.0)
... Back up my hard disk? I can't find the reverse switch!
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