75-Year Net Worth Projector:
By far the most powerful, functional, and flexible personal net worth projector ever created.
Control every number in every year. Integrate with RWR or RP retirement planners. Takes the data entered into the Net Worth Calculator (above), and then automatically forecasts everything into the future.
You have total control over every number in the 75-year window. It's the same 12 sheets as the Net Worth Calculator, but with nine more sheets. In addition to everything on the Net Worth Calculator, the Net Worth Projector has: A presentation sheet that shows all of the twenty account's annual values for 75 years, both in table and graphic form.
Assets are shown by all client accounts, all qualified, all personal, and total combined assets. Same for spouse, jointly held assets, and children's assets. An input sheet where you can control every year's value for all 500 assets, via year-by-year manual override for every asset's end of year market value, and rate of return.
Excel-based spreadsheet for forecasting net worth.
Saturday, September 29, 2007
Thursday, September 27, 2007
Time Value Software
Time Value of Money Calculator (Financial tools for the little jobs):
Financial planning software that has the usual time value of money calculators: Present value, future value, interest rate, payment, net present value finders, plus:
• The first six sheets of the demo are a large collection of free financial calculators. Most all free online financial calculators on other websites are here on an Excel spreadsheet that you can use offline.
• The most detailed mutual fund investment projector ever created. Input basic parameters, and see details about growth, shrinkage, taxes, basis, costs in percentages, etc. It's the same sheet carved out of the Non-Qualified Mutual Fund A-Share sheet of the Investment Comparator.
• The most functional 401(k) and 403(b) calculators ever created.
• Asset growth and payout: The most detailed investor software ever created that grows and pays out income. It's the same asset sheet carved out of the Real World Retirement planner.
• 25-year dollar-weighted investment portfolio IRR investment spreadsheet that tells you the rate of return each year, and averages for multiple years, considering all of the unequal/separate monthly cash flows that happen with portfolios in the Real World: Dividends/capital gains/spent withdrawals, taxes on them, and contributions.
• 25-year time-weighted investment portfolio rate of return calculator: This is the same calculation methodology used by the CFA Institute, expensive software like Axys Advent, and brokerages when they prepare your financial statements. With this, you can get accurate returns on ALL of your investment accounts combined.
• Investment portfolio statistics calculator: Calculate correlation coefficients, Beta, Alpha, R-squared, Treynor Ratio, Sharpe Ratio, Average/Median/Minimum/Maximum rates of return, and standard deviation. See how an asset has moved compared to major asset classes.
• Investment Portfolio Yield Calculator: Determines the combined average income/dividend yield on your total investment portfolio; how much income, or paycheck, your total portfolio will produce on a daily, weekly, monthly, and annual basis.
• Basic TVM calculators (time value of money): Loan amortizer, Present values, future values, payments, CD penalty calculator, etc.
• Employee stock option calculator.
• Age 70½ (and inherited IRA) IRS Required IRA Minimum Distribution Calculator (MDIB / MRD): Estimates how much the IRS requires you to take out of your IRA/Tax Qualified Plans the year you turn 70 and a half, and at any age for inherited IRAs.
• All three versions of IRS 72(t) tax-qualified premature distribution to avoid the pre-age-59.5 penalty tax calculators.
• Average Tax Bracket Calculators.
• The most comprehensive, flexible, and detailed "Rent vs. Own a Home" calculator ever created.
• Compound Interest rate comparator: Allows you to input and compare, on the same page, the growth (or shrinkage) of money given the three compound rates of return.
• Calculate difference interest rates given different compounding periods.
• Calculate simple IRR based on a series of up to 360 cash flows.
• Inflation Adjusted Income Stream Generator: See how much money you can withdraw from an asset over any time frame, one asset at a time. It estimates how much you can withdraw every year without running out on money over time frames.
• Simple loan amortizing calculator for calculating payments, interest, principal payments, and payoff.
• Cost of raising a child calculator. Simple Life Expectancy Calculator.
• Convertible bond calculators.
• Preferred stock yield to maturity and yield to call calculators.
Saturday, September 22, 2007
Our #1 Software Pick for Finances
We use various software packages from video games and GPS systems to tax calculators and art creation suites...and this is by far the best program for money acquisition we have seen.
The Money Merge Account:
This is not just a software package, it's a program with complete support and lifetime use. Using advanced mathematical algorithms, this program calculates the optimum time to apply money to your primary mortgage, through a Home Equity Line of Credit.
It's focus is to minimize the costs to you, and maximize your effective use of each penny you spend. The result is paying off your mortgage and ALL OTHER DEBT in a fraction of the time you'd normally pay. The results are guaranteed in writing, and this author has purchased the software for his own home. The results are better than what they claim.
The author took his personal 27 year mortgage down to 6.4 years, including credit cards, 3 cars, 2 student loans and 4 medical bills. It also saved over $213,682.64 in future interest.
The software is only sold through franchise-type agents, which you have to find online. We found the program through The Jubilee Project.
Our two word review of this product: "HELL YA!"
The Money Merge Account:
This is not just a software package, it's a program with complete support and lifetime use. Using advanced mathematical algorithms, this program calculates the optimum time to apply money to your primary mortgage, through a Home Equity Line of Credit.
It's focus is to minimize the costs to you, and maximize your effective use of each penny you spend. The result is paying off your mortgage and ALL OTHER DEBT in a fraction of the time you'd normally pay. The results are guaranteed in writing, and this author has purchased the software for his own home. The results are better than what they claim.
The author took his personal 27 year mortgage down to 6.4 years, including credit cards, 3 cars, 2 student loans and 4 medical bills. It also saved over $213,682.64 in future interest.
The software is only sold through franchise-type agents, which you have to find online. We found the program through The Jubilee Project.
Our two word review of this product: "HELL YA!"
Bond Calculator Software
The bond calculator's demo has the most functional FREE bond yield to maturity calculator to ever be on the web. This investment software has:
• Two 100-bond convexity and duration calculator sheets (the second is yield to call). Compute all of the usual Modified Duration and Convexity numbers, and see how changes in interest rates change the price each bond, and the combined portfolio of up to 100 individual bonds.
• Single bond convexity and duration calculator.
• Bond total return calculator using the most accurate method - Horizon Return. Compute total return considering everything including the compounding of reinvested coupon interest and capital gain/loss when sold.
• Multi-year bond calculator: Input up to 25 bonds and get an overall portfolio yield up to 50 years.
• Single-year bond calculator: Input up to 50 bonds and get a one-year overall portfolio yield (IRR).
• Calculate annual amortization of premium and discounts on up to 25 coupon bonds. It keeps track of basis and the amount of capital gain or loss if sold before maturity.
• Zero coupon bond accretion. Input up to ten zero coupon bonds, and see the annual accretion, and taxes due, on all bonds.
• Compute a coupon bond's current fair market value, and total return considering the reinvestment of coupons.
• Compute a zero coupon bond's current fair market value, and yield to maturity (or call).
• Muni vs. taxable bond breakeven rate calculator.
• Calculate different rates given different compounding periods (with graphs).
• T-bill yield and/or T-bill current market price finder.
• Bond equivalent yield - used to turn the 360-day T-bill rate into the 365-day rate.
• Simple current yield.
• CD equivalent yield (AKA money market equivalent yield - used to compare T-bills to 360-day money market instruments.
• Convertible bond calculators.
• Portfolio Yield Calculator: Calculates the combined average income/dividend yield on your total portfolio; how much income, or paycheck, your total portfolio will produce on a daily, weekly, monthly, and annual basis. Bond calculator spreadsheet for managing bond portfolios of up to 100 bonds or bond funds.
Investment Model Software
Investment Model Portfolios:
Consumers and investors - this investment software is the solution if you, or your advisor, keeps losing too much money. Over eight years of returns are shown for the Fee-Based model and over four years for the All-No-Load Mutual Fund and All-Load Mutual Fund models. This is a superb turnkey system, for both the professional advisor and the individual investor, that want to build a long-term, very low transaction, low risk, well diversified and allocated portfolio that matches investment risk-tolerance.
It comes with the mutual funds professionally selected to best represent all of the 16 asset classes. It also compares how the allocation models are doing compared to a model of benchmark indices (the only proper way to compare portfolios to the markets). The five allocation mixes match the five most commonly used investor risk-tolerance categories (determined via the fact finding tool below: Conservative, Moderately Conservative, Moderate, Moderately Aggressive, and Aggressive).
There are eight versions of the model portfolios, for a total of 29 model allocations. Financial advisors: This is a marketing must if you practice asset allocation, use portfolio models, or want to start (and look like you've been doing it for years). It has been approved by three BD compliance departments so far. Financial advisor software for constructing asset allocator models for low-to-medium-net worth clients. Download free enlightening text discussing mutual fund allocation, and how to use them to prospect for new investment management clients.
Consumers and investors - this investment software is the solution if you, or your advisor, keeps losing too much money. Over eight years of returns are shown for the Fee-Based model and over four years for the All-No-Load Mutual Fund and All-Load Mutual Fund models. This is a superb turnkey system, for both the professional advisor and the individual investor, that want to build a long-term, very low transaction, low risk, well diversified and allocated portfolio that matches investment risk-tolerance.
It comes with the mutual funds professionally selected to best represent all of the 16 asset classes. It also compares how the allocation models are doing compared to a model of benchmark indices (the only proper way to compare portfolios to the markets). The five allocation mixes match the five most commonly used investor risk-tolerance categories (determined via the fact finding tool below: Conservative, Moderately Conservative, Moderate, Moderately Aggressive, and Aggressive).
There are eight versions of the model portfolios, for a total of 29 model allocations. Financial advisors: This is a marketing must if you practice asset allocation, use portfolio models, or want to start (and look like you've been doing it for years). It has been approved by three BD compliance departments so far. Financial advisor software for constructing asset allocator models for low-to-medium-net worth clients. Download free enlightening text discussing mutual fund allocation, and how to use them to prospect for new investment management clients.
Asset Software
Asset Allocation Software:
Investment software to calculate, compare, and implement, the mix of asset classes/investments that you feel is best for you or your clients. The only calculator that treats all of one's assets together, like they should be in the Real World, so you can evaluate the whole picture at once. Get total control over asset allocation (and every number in every year) instead of being locked into what a software company thinks you should be doing. Input contributions/withdrawals, rate of return assumptions for each asset, or asset class, and see 75 years of estimated growth for all of the Current vs. Proposed allocation mixes (with separate Personal and Qualified portfolios).
If you're a frustrated Financial Profiles/NaviPlan/Morningstar investment software user, this is for you. Works well with any efficient frontier/portfolio optimization program. Excel spreadsheet-based investment portfolio software for do-it-yourself asset allocators and financial advisors working with high net worth clients.
Investment software to calculate, compare, and implement, the mix of asset classes/investments that you feel is best for you or your clients. The only calculator that treats all of one's assets together, like they should be in the Real World, so you can evaluate the whole picture at once. Get total control over asset allocation (and every number in every year) instead of being locked into what a software company thinks you should be doing. Input contributions/withdrawals, rate of return assumptions for each asset, or asset class, and see 75 years of estimated growth for all of the Current vs. Proposed allocation mixes (with separate Personal and Qualified portfolios).
If you're a frustrated Financial Profiles/NaviPlan/Morningstar investment software user, this is for you. Works well with any efficient frontier/portfolio optimization program. Excel spreadsheet-based investment portfolio software for do-it-yourself asset allocators and financial advisors working with high net worth clients.
HALO 3 Leaked
Is it a plot to ruin Halo 3's much hyped debut on Tuesday? A scheme orchestrated by Master Chief's nemesis The Covenant? Probably not, but bootleg copies of the most widely anticipated video game in history -- no matter how terrestrial in origin -- are stealing some thunder from next week's launch.
Numerous bloggers are reporting that purloined versions of Halo 3 are all over the Internet, available for play to Xbox 360 users who have modified their systems to defeat Microsoft's copy protection software. Gaming industry bloggers at MaxConsole are reporting that one source of the illegal files is a hacking group called Paradogs. Also, a version of the game appeared to be available as a 7.3-Gbyte download from a peer-to-peer file sharing site called Isohunt.com as of Friday morning.
Downloading and using bootleg software is illegal in the U.S. and many other countries. Microsoft has estimated that pirated software costs the computer industry about $40 billion a year in lost revenue.
Bootleggers aren't the only ones that have helped to blow the official launch date for Halo 3. Earlier this week, British catalog merchant Argos conceded that an administrative error caused it to hand over copies of the game early to customers who placed pre-orders over its Web site. Copies sold to Argos could be one source for the Halo 3 files circulating on the Net.
Indeed, a shrink-wrapped copy of Halo 3 that originated at Argos was recently spotted on Ebay's U.K. site selling for $500. When it's officially released, the basic version of the game will sell for about $60.00. Retailers have to date taken more than one million pre-orders for Halo 3 -- an industry record.
The leaked files are doubtless causing some consternation in Redmond. Microsoft has spent millions on Halo 3 marketing and promotion campaigns that will culminate in elaborate launch events Tuesday in New York City, Seattle, Miami, and Los Angeles.
Halo 3 stars Master Chief, a biologically enhanced soldier who has to blast his way through a futuristic, 3-D landscape to survive and accomplish missions. He squares off against The Covenant, a shadowy terrorist alliance. Version 3 of the game, developed by Bungie Studios and published by Microsoft, features a host of new levels, weapons, vehicles, and level types.
Most retailers are selling the title for around $60. A special "Legendary Edition" sells for about $130 and includes a helmet-style case, bonus discs, and collector's art. Microsoft is also planning to introduce a special Halo 3 version of the Xbox 360 that's emblazoned in the same green and gold colors sported by Master Chief.
Apple Won't Support Unlocked Phones
People who unlock their iPhones in order to connect to wireless carriers other than the exclusive service provider AT&T won't get any support from Apple if the phone breaks, even if it's still under warrant, Apple said Friday.
A group of anonymous developers at iPhoneSIMfree started selling this month software that once installed would enable the smart phone to work on any service provider with a standard GSM SIM card. T-Mobile is an example of a carrier that would work on the modified iPhone.
A group of anonymous developers at iPhoneSIMfree started selling this month software that once installed would enable the smart phone to work on any service provider with a standard GSM SIM card. T-Mobile is an example of a carrier that would work on the modified iPhone.
Asked whether someone installing the software would break their iPhone warrant, an Apple spokesman said in an e-mail, "Apple does not support unlocked iPhones."
Aside from changing the SIM card, no other hardware modifications are needed to unlock the iPhone, according to iPhoneSIMfree. SIM -- or subscriber identity module -- is a smart card that's inserted into GSM phones. The card contains subscribers' telephone account information.
Purchasing the unlocking software is done through the PayPal payment service. On Friday, however, the iPhoneSIMfree said it was experiencing "PayPal issues," and asked potential buyers to send the site an e-mail in order to get alternative payment methods. The software cost $50, and there are no refunds.
According to the frequently asked questions on iPhoneSIMfree, the software works on iPhone versions up to 1.0.2. The creators claim the software won't affect any of the iPhone features except for visual voice mail, which is exclusive to AT&T.
People installing the software, however, could find that it doesn't work, if Apple decides to break it in a future software upgrade for the iPhone.
Apple launched the gadget in the U.S. June 29, making it available only through Apple's retail or online stores, or through AT&T. The company started selling the device in Europe this week. Since its debut, Apple has sold more than 1 million iPhones in the U.S., and expects to ship at least 10 million over the next year.
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