"If you fail to plan, you are planning to fail." ............ Ben Franklin
"If you fail to plan, you are planning to fail." ............ Ben Franklin
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The Complete Retirement Planner

What A Big Difference A Small Amount Makes

What A Big Difference A Small Amount Makes

One component that all financial planning tools (even calculators) have in common is that they use an inflation rate as a factor. Some allow you to enter a rate, some assume a rate for you. But how much of a difference does that rate really make in the grand scheme of things? The short answer, it makes a significant difference.Financial advisers often suggest using an inflation rate of 3%. I've seen calculators that assume a rate of 4%. The historical rate, over the past 20 years, is approximately 2.15%. So what rate should you use, and how much difference does...

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Retirement Planning Should Be Renamed

Retirement Planning Should Be Renamed

From the time I started working, I wanted to stop. I didn’t dislike working itself, just the thought of working for someone else - for 40 years. The bright idea that could have led to entrepreneurship never came to me, so I toughed it out, but I really wish that someone had explained to me just how financially important the first 20 years of my working life were going to be to my final 20-25 years on this earth. I’m pretty sure that I would have made some different decisions, and paid a little more attention to the possibilities. At...

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Retirement Planning, And The 2018 Tax Laws

Retirement Planning, And The 2018 Tax Laws

Whatever you may think about the new tax laws, there may be a couple of advantages for retirement planners to take note of. Some of the changes are slated to end after 8 years, but until that actually happens (maybe it will, maybe it won't?), this is what I have noticed:       • As you know, if you itemize a tax deduction for mortgage interest, the deduction becomes less and less each year as you pay off the mortgage. However, the new, and larger, Standard Deduction may help to offset that loss in deductions in the later stages of the mortgage...

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The Complete Retirement Planner Gets Some Press!

The Complete Retirement Planner Gets Some Press!

Happy New Year!As promised, the 2018 version of The Complete Retirement Planner is currently being finalized, and will be ready by mid month. All of the new tax law changes will be included (as well as other updates), and all existing customers will receive the 2018 version free of charge!Exciting news - The Complete Retirement Planner has been mentioned in an article about new businesses! Great way to start the new year! Here's an excerpt:“The Complete Retirement Planner will be the premier means for easily creating a comprehensive, year by year, retirement plan. Professionally designed, but meant for personal use,...

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The Complete Retirement Planner - Updates For 2018!

The Complete Retirement Planner - Updates For 2018!

With new tax laws on the horizon, we are already preparing an updated version of The Complete Retirement Planner for 2018. Along with the tax changes, the 2018 planner will also contain all other updates made during 2017. Depending on when you purchased your planner during the year, you will benefit from some, or all, of the following improvements that were made along the way: Additional itemized expenses were added/expanded, with the ability to add a couple of your own. You can now enter 4 One Time events, instead of only 2. Worksheets were added on the income page to...

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