digerati.nfo: ▀ ░ ▄▄▀ ░ ▀ ▄▓ ▄ ▄▄▄██▓▓█▀▄▄ ░ ▀█▓▄ ░▄▄▀ ▐█▌ ▄▄█▀ ░ ▀██▓▓▌ ███▓▓▄ ▀ ▐████▄▄▄▄██▓▓█▀▄▄██▓▄▄██▓▌ ▄█▓▀ ▐██▓▓ ▐██▓▓ ▀▄ ▄ ▀▄▄ ▀▀▀ ██▓▓▌ ██▓▓ ▀▀ ███▓ ██▓▓▌ ██▓▓▌ ▄ ▄█▀▀▀███▄▄░ ▀▀▀▀███▓▓▄ ▐██▓▓ ▐█▓▓▌ ▀▓▄▄ ▀█▌ ░ ▄▄▓▀ ▐██▓▓ ██▓▓ ▀▀▄▄ ▀▀▀ ▀██▓▓▓ ▀███▓▓ ▐██▓▓▄ ██▓▓▌▐█▓▓ ░██▓▄ ▓█▓▓ ██▓▓▌▐▓▓▌▐█▄▄ ▀█▄▄ ▀▀▀▓▓▌ ▐██▓▓▌▐███▓ ▀▀▀ ▐██▓▓ ▓▓▌ ▐██▓▓ ██▓▓░ ▐██▓▓ ▓▓ ██▓ ▀███▓▓▀ ▓▄▄▄▄ ▀▀▀▀▀▐██▓▌ ▄▄█▓▓▓▀▀▀██▓▓▌▓▓ ███▓▓▌ ▐███▓▓ ██▓▓▌▐▌▐█▓▌ ▐██▓▓ █▓▀▀▀ ▄▄▄ ██▓▓ ████▓▓░ ▐██▓▓ ▌ ████▓▓▓ █████▓▓ ▐██▓▓ ▐█▓▌ ██▓▓▌▐▓▌ ▀██▓▓▌▐██▓▌▐███▓▓▌ ██▓▓▌ ▄▄████▓▓▓▌ ▐█████▓▓▄▄▄███▓▓▓ █▓▓▌ ▐██▓▓ █▓ ▐██▓▓▐█▓▓ ███▓▓ ▐██▓▓ ███▓▓▓▓▀▀ ▀▀▓████▓▓▓▀▀▀ ▀▀█▄▄▄██▓▓▌██▓█▄██▀▀▀▀▀ ▀▀▀ ▀▀███▄▄▄▄████▓▓▓ ▀▀▀▀ ░ ░ ▀▀▀▀ ░ ░ ▐██▓▓ ▀▀ ▀▀▀ ░ █▄▄ ▄▄▄▄██▓▄ ██▓▓▌ ┌──────────────────────────────┐ ▄▄█ ▐███▓█▄▄ ░ ▐████▓▓░ ▐██▓▓ │ │ ░ ▄▄█▓███▌ ██▀▀▀██▓▓▄ ███▓▓ ██▓▓▌ │ geek quote of the day │ ▄▓▓██▀▀▀██ ▄▀ ▄▄ ▐█▓▓▌ ▀███▄▄▄███▓▓ │ │ ▐▓▓█▌ ▄▄ ▀▄ ▀▓▀▄██▓▀ ▀▀██▄ └──────────────────────────────┘ ▀▓██▄▀▓▀ ▄▄█▀▀ ▄▄▄▄ ▄▄▄▄ ▀▀█▄▄ ▄ ▀▓█▄▄░ ▀▀▀▀▀▀▀██▄ ▄██▀▀▀▀▀▀▀ ░▄▄█▓▀ ▄ ▀▀▀▀▀███▓▄▄░ ▀█ █▀ ░▄▄▓███▀▀▀▀▀ ░▄▄▀▀ ██▓▓ ▐▌ ▐▌ ▓▓██ ▀▀▄▄░ ▄▄█▓▀ ▄▄██▓▓▀ ▀▓▓██▄▄ ▀▓█▄▄ ███▓▌ ▄▄▄██▓▀▀ ░ ▀ ▀ ░ ▀▀▓██▄▄▄ ▐▓███ ▀███▓███▓▀▀ The diGERATi Present ▀▀▓███▓███▀ ▀▀▀ █▄▄▄▄▄▄ J And L Rule 72T Calculator v1.1 ▄▄▄▄▄▄█ ▀███▓▄ ▄███▓▀ ▐██▓▓ ███▓▌ ███▀ Release Info ▀██▓ ▄██▀ ▀██▄ ▄██▀ ▀██▄ ▐█▓▓ 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/ ░█▓▀ ▓▄ ▐█▓▌ ▐█▓▌ ▄▓ █▓ ▓▓ ▀ ░ ▄▄▄▄ ▄▄▄▄ ░ ▀ ▓▓ ▓█ ▒▒▄ ▀█ ▀█▓▄ ▐▓▄ ▀▀▀▄ ▄▀▀▀ ▄▓▌ ▄▓█▀ █▀ ▄▒▒ ░░ ▀█▄▄▄ ▐█▓▌ ▀█▓▄ ▀ ▀ ▄█▓▀ ▐▓█▌ ▄▄▄█▀ ░░ █▄ █▄▀▀████▓▀ ▐█▓▌ ▀ Release Notes ▀ ▐█▓▌ ▀▓████▀▀▄█ ▄█ ▄█▓ ▄▄▄ ▄▄█▓▀ ▀█▓▄▄ ▄▄▄ █▓▄ ▄█▓▀ ▀██████▓▀ ▀▓████▓▓▀ ▀█▓▄ ██▓ ▀▀▀ ░ ░ ▀▀▀ ██▓ ▐█▓▌ ▐█▓▌ ██▓ ██▓ ██▓ 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. ██▓ ██▓ ██▓ ██▓ ██▓ ██▓ ██▓ ██▓ ██▓ ██▓ ██▓ ██▓ ██▓ ██▓ ██▓ ██▓ ██▓ ██▓ ██▓ ██▓ ██▓ ▐█▓▌ ▐█▓▌ ██▓ ░ ▄ ▀▀▄ ▄▀▀ ▄ ░ ▓█▓ ▀██▓▄▄ ▐██▄ ▄ Install Notes ▄ ▄█▓▌ ▄▄▓██▀ ▄▀▀████▄█▓▓ ▀▀ ▄▄ ▄▄ ▀▀ ██▓▄████▀▀▄ ▄█▌ ▄▄▄ ▀▀▀████▄▄▀▀ ▀▀▄▄████▀▀▀ ▄▄▄ ▐█▄ ██▓ ▀ ▐█▌ ▐█▌ ▀ █▓▓ ▀██▓▄▄█▓ █▓▄▄██▓▀ ▄ ▀▀▀▀▀ ▀▀▀▀▀ ▄ █▓ █▓▀ ▀▓█ █▓ █▓▌▀█ █▀▐█▓ ██▓ 1. Unpack and install the software ██▓ ██▓ 2. Run keygen.exe to create your own serial ██▓ ██▓ ██▓ ██▓ ██▓ ▐█▓ ██▌ █▓░░ ░░▓█ ▐█ ▒▒ ▒▒ █▌ █ ▐▓▌ ▐▓▌ █ ▄██ ██▄ ▐█▓▌ ▄██▄ ▄▄█▓▄▄ ▄▄▀▀     ▀▀▄▄ ▄▄██▓▄ ▄██▄ ▐█▓▌ ██▓▄▄ ▄▄█▓▀▀▀▀▓█▄ ▄▄▀ Group News ▀▄▄ ▄█▓▀▀▀▀█▓▄▄ ▄▄██▓ ▀▀████▓▀▀ ▀█▓▀░▀▀▀▀▀ ▀▀▀▀▀░▀▓█▀ ▀▀████▓▀▀ ▄▓▄ ▄▄ ▄▄ ▄▓▄ ▀██▓ ▄▓▌ ▓█▄ ██▓▀ ██▓ ██▓ ▄█ ██▓ This is just a quote about us, when you google for our name ██▓ █▄ ▓▌ ▐█▓ the first link you see is the one about us. █▓▌ ▐▓ ▐▓ ▐▓▌ ▐▓▌ ▓▌ ▓ █▓ Who are the 'digerati' and why are they 'the cyber elite&# 39;? █▓ ▓ ▄▄▀▀ ▄ They are the doers, thinkers, and writers who have ▄ ▀▀▄▄ ▄█ ▐▓ tremendous influence on the emerging scene revolution. ▓▌ █▄ ▐█▓▌ █▓▄ ▄█▓ ▐█▓▌ █▓▓ ▐█▓ █▓▌ ██▓ ██▓ █▓ We let this speak for itself, we are your worst enemy. █▓ ██▓ ▐█▓▌ ▄▀ ▀▄ ▐█▓▌ ▀██▓▄▄ ▄▄██▓▀ ▄▄ ▀██▓ ██▓▀ ▄▄ █▓▌ ▀▓▌ ▐▓▀ ▐▓█ ▀ ▄█▀ ▀█▄ ▀ ▄█▓ ▄ ▄ █▓▄ ▐█▓▌▀█▓ █▓▀▐█▓▌ ██▓ ▐█▓ █▓▌ █▓▓ ▐█▓▌ ██▓ ██▓ ▐█▓▌ ██▓░ ▐▓▓ █▓▌ ░██▓ ██▓ ▀▓ █▀ ▓█▓ █ ▀▓█▄ ▄█▓▀ █ ▐▓ ░▀██▄ ▄██▀░ ▓▌ ▓▀ ▄▄▐█▓▌▄▄ ░ ▄ ▄ ░ ▄▄▐█▓▌▄▄ ▀▓ ▄██▀▀▐█▓▌▀▀█▓▄▀▀▀▄▄▀▀▀ ▄ Contact Info ▄ ▀▀▀▄▄▀▀▀▄▓█▀▀▐█▓▌▀▀██▄ ▐█▓ ▄▄█▓▀ ▄▄▄ ▀██▓▀ ▀▄▄ ▀ ▀ ▄▄▀ ▀██▓▀ ▄▄▄ ██▓▄▄ █▓▌ ▀███▓▓▀ ▀▀ ▀▀ ▀▀██▓▓▓▀ ▄ ▄▄▄█ █▄▄▄ ▄ ▐▌ ▀██▓▌ ▐█▓▓▀ ▐▌ █▓ ▐█▓ █▓▌ █▓ █▓ █▓▌ ▐█▓ █▓ ▀▐█▓ █▓▌▀ █▓ █▓ █▓ ▄▓ ▓▄ █▓ ▄█▓ █▓▌ FORGET IT. WE WILL CONTACT YOU IF WE NEED YOU. ▐█▓ █▓▄ █▓▌ ▐█▓ █▓▌ ▐█▓ ▀█▓ █▓▌ ▐█▓ █▓▀ ▀▀▄ █▓▌ ▐█▓ ▄▀▀ ▐█▓ █▓▌ ██▓ █ █ ██▓ ▐█▓ ▐█ ▓▌ █▓▌ █▓ █▓ █▓ █▓ █▓ █▓▓ ██▓ █▓ ▄█▓ ▄█▓▓ ██▓▄ █▓▄ ▐█▓▌ ██▓▓ ██▓▓ ▐█▓▌ ▐██▓ ██▓▀ ▀██▓ ██▓▓ ▀███▄▄▄░ ░▄▄▄█▓▓▀ ▄▄▀▀▀█▓█▄▄▄ ░ ░ ▄▄▄█▓█▀▀▀▄▄ █▓▌ ▀█▓▓▓▄▄ ▄█ ▄▄███▓▀ ▐▓█ ▀█▄ ▐██▓▓▓▌ ░ ░ █ █ ▀ █▀▀ ▓▀▄ ▄▀▀ ▀█ █▄▄ █ ░ ░ ▐███▓▓▌ ▄█▀ ▄▄▄▄▄▀▀▀▀▀▀▀▓▀ ░ ░ █▄▓░█░█▄█ █▄▄ █ ░█▄▓ █▄▄ █ ░ ░ ▀▓▀▀▀▀▀▀▀▄▄▄▄▄ █▓▓▀ ░ ░ ▀▓▓█ ▐▓▌ Ascii by Yce*Remorse Last update XX/XX/XXXX ▐▓▌ ▀█▄▄ CRC:?????????? ▄█▀ ▀▀▀▄▄ ▄▄▀▀▀ ▀ ▀

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