Self-extracting ZIP file INVEST07.EXE contains...

  README07.TXT   This file
  SMART107.EXE   Electronic version of The SMART Letter,
                 Jan 1994 edition
  RETIRE.WK1     Lotus worksheet for retirement income analysis

SMART107.EXE is a one-page, freely-distributed electronic
edition of the Stock MARket Timing (SMART) Letter.  The SMART
Letter is an investment newsletter that describes a simple
investment strategy that switches by telephone about once per
year between stock mutual funds and money market funds.  It
gives trading advice for four portfolios of mutual funds with
varying levels of risk.  A subscription includes bimonthly
newsletters, telephone hotline, switch bulletins, and briefs on
investment topics.  Past performance is no guarantee of future
performance, but its fourteen-year average annual return of 25%
doubles the account every three years.

The electronic edition runs under Microsoft Windows with Common
Ground's embedded MiniViewer.  You can view and print the
document from Window's Program Manager by selecting File Run
and typing drive, directory, and SMARTxxx.EXE, where xxx is the
newsletter number, as in SMART107.EXE.  To properly print from
within Common Ground, check the box "Print Text as Graphics" in
the Print Dialog Box.

RETIRE.WK1 is a shareware worksheet that projects annual
incomes during your retirement years.  Use it to assess your
retirement resources from non-retirement and retirement
accounts such as IRAs.  Answer questions such as "How will
investment returns and inflation affect my retirement income?
How well off will I be if I retire early?  Am I investing
enough to maintain my current standard of living during
retirement?"  The worksheet is fully automated and menu-driven.
Little spreadsheet or financial knowledge is required.  A help
system is included.  It runs under Lotus, Quattro Pro, Excel,
and other spreadsheets that are Lotus compatible.

To run RETIRE load your favorite spreadsheet system and
retrieve or open RETIRE.WK1.  If auto execution is enabled, a
menu will appear; otherwise hold down the [Alt] key and press
the [M] key.  To enable auto execution in Lotus 1-2-3, select
Worksheet Global Default Autoexecute Yes.

Please be aware that the SMART Letter's recommendations are
based on the analysis of past data and assessments by the SMART
Model.  Future performance may not reflect past performance.
Profitable trades are not guaranteed.  No system or methodology
ensures stock market profits; however, the editor does put his
money where his mouth is.  We believe that our information and
data are reliable and accurate, but the absence of errors is
not guaranteed.  The RETIRE program is distributed on an "as
is" basis, without any warranties to its correctness,
performance, or any other representation.  The user assumes the
entire risk from using the program.

For more information, questions, or comments write...
*****************************************************
Richard Mojena
SMARTlet@AOL.com
Computer Aided Decisions, Inc.
P.O. Box 3115
Narragansett, RI  02882
*****************************************************
