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BalanceIntere st TotalF!-  -------  ------- ?{Gz? Payment Amount.... .......$|??{Gz?{Gz?+UUUUUU*, Annual I nterest Rate...%  *, # of Pay ments Pe r Year.#  *, Length o f Loan(y ears)...  * # of Yea rs to Ba lloon....  *6UUUUUU(@?(@)?/0] @?O  c?/0?/0]#3@?O/0]"2@?O  c]!1@?O  c?  c?/0?/0] 0@?O 0].@?O  c,@?O  c?/ c?/0]/0]*@?O 0](@?O  c?  c?/c?/0]&@?O/0]$@?O  ]"@?O  c?  c?/0]$4@?O  c??O  c?/c?/0].>@/0]-=@?O  ],<@?O  c?  c?/0?/0]+;@?O 0]*:@?O  c])9@?O  c?/  c?/0?/0](8@?O 0]'7@?O  c6@?O  c?/ c?/0]&/0]%5@?O 0]/?@?O  c?/0]0@@?O RM1NHNHP nS c?/0/0]8D@?O 0]7C@?O  c??O  c?/c?/0]6C@/0]5B@?O  ]4B@?O  c?  c?/0?/0]3A@?O 0]2A@?O  c]1@@?O  c?/  c?/0!-!-!-!-/  Income N eeds Adju sted for Inflation!-!-!-!-( Today's i ncome goa l.......$*( Annual in flation r ate.....%*( Your pres ent age.. ........#*')*+,onthly a dditions. ........$*ADDS/YR(@  Annual in terest ra te......%* INTERESTHz>?@(@?@-/0123456789:;<= !-!-!-!-  <  Investmen t Accumul ation (Lu mp + Add)  *  !-!-!-!- VALUABLE FORMULAS?  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A@?#Y@B@B@S@S@ Z Desired re etirement  age....#*  J@J@S@S@ Y Income ta x bracket ........%*  M@M@T@T@ X Tax rate after ret iremecome...$R?(@?R?(@?     ( Less inco me tax..$?(@     /$   -------  -------     a% Total con trib....$     I& Balance.. ........$     ' Monthly i n              E Retiremen t Summary  at age...     >! Assuming retiremen t on your  birthday     "         /#   Savings  IRA etc@?      Retire @Q???Q???Q?@?      ,@@Q?@?Q??@?Q?@?      "@@Q?@??Q?@?Q?@?      @?Q      @?Q?@?Q?@?      @@?      ??Q?@?Q?@?(@ 1 Age  Balance  Balance     2 ----  --------  --------      Q?@?Q?          Rate of r eturn...%)Y@Y@  Y@Y@ ]   Year End  Year End  (@ IRA contr ibution.$     ^ Less: inco ome Tax.$ Y@     S Net inves tment/yr$     f female ........#*   ,@ (   Ca lculate=!               /    Savings  IRA etc     /   -------  -------     Int.%*  P@P@@T@@T@ Y Annual IR A contrib ution...$*  P@P@@T@@T@ X IRA rate of return ........%*  @Q@@Q@T@T@ ` Enter 1 i Y@Y@     /)   --------  --------     S* Net Incom e/Mo....$     +         D, Income con ntinues u ntil age     -         .         /         0         1         2         3xes  (Estate/ Income).$*  E@E@(\@(\@| Group ter m insuran ce face.$*  2+ child1 childtill 65from 65E@E@33333r@33333r@.  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Taxes  (Estate/ Income).$  /    -------  D0 Total dea th capi..$5& Age 65 an d after.. ........$ '    #( Immediate  CapitalNeeds () --------- --------- --------- 5*  Final  expenses ........$5+  Emerg ency fund M@Q@Q@^# With 2 or  more chi ldren...$M@M@Q@Q@^$ With 1 ch ild...... ........$N@N@Q@Q@5% After chi ldren are  grown  Ca lculate=!K@K@Q@Q@9     L@L@Q@Q@J! Income Ca pital Needs L@L@Q@Q@Q" --------- --------- --------- M@đ@P Personal capital a vailable$*J@J@̳@̳@P rate of r eturn on  capital%*J@J@Q@Q@Q Long term  inflatio n rate..%*K@K@Q@Q@B Shortage4(@4(@4(@4(@I@I@đ@?z(@?????I@I@fffffՑ@fffffՑ@I Coverage (% of max imum)...%Y@Y@ Capital@???n(@?????u(@????%%%H@H@= ףp@= ףp@  Estimated  Soc. Sec. Capital ShortageL(G@G@(\@(\@X  After  children  grown..$*  H@H@Gz@Gz@  At ag e 65..... ........$* Income Shortage%Y@>= ףp=??Y@4= ףp=?Y@G@G@\('@\('@  With children at home.$*  Employment etc !-!-!-!-   '  Loan Calculator     !-!-!-!-   B Loan InformationLoan 1Loan 2Loan 3Loan 4Loan 5C !-!-  -------  -------  ------WYZLoan      !-!-      New balan ce......$y New payme nt amountxnts left....#  Total pay ments...$        % Revised    * periodic payments$*****# Decreasein     + # of paym ents....#*****$  Ca lculate=!    % Present Loan      !-!-     W PaymeEnter one  of the n ext 3 inputs.   .  The 2 p ayment am ount inputs only.  may be entered f or the sa me loan.' Onetime extra      + payment a mount...$*****# Increasein  -  -------  -------* Debtor I. D.......*****+ Present b alance..$****** Interest rate/yr.%*****+  # of paym ents/yr.#*****+  Payment a mount...$*****6  []^_`abc !-!-!-!-   '  Loan Reduction     !-!-!-!-   B Loan InformationLoan 1Loan 2Loan 3Loan 4Loan 5C !-!-  -------  -------  ------ RM1NHNHP nSunt...$ Amount fi nanced..$  Total pay ments...$ Total int erest...$er 2 of of the nex xt 3 inputts>+  Amount fi nanced..$*****+  Input ter m in yr.#*****+  Input pay ment amt$*****  Ca lculate=!  Number of  payments Payment a mo-  -------  -------+ Debtor I. D........****** Interest rate/yr.%***** # of paym ents/yr.#(@(@(@(@(@(@(@(@(@(@0  -------------------------------------------------------------1-1-1-1-1-1-1-1- -----------p  VARIABLES TERMSINVESTMENT FEASIBdfghijklmnopqrstuvwxyz{|}~+1   -------- --------41*1*1* ** * 1*1*1**************d*** MAKE TWO  PASSES** ** * PESSIMISTI C VIEW OF ARM WITH INT RATEAT CAP LEVEL*01*1*  RMT NDNA NDPnS        9        :        ;        <        =        >        ?        @              0        1        2        3        4        5        6        7        8     '        (        )        *        +        ,        -        .        / "        # Interest savings.$$        %        &   {Gz?{Gz?  Payments left....#! Total pay ments...$ p@  3. -DEPREC CAP YEAR}N>o- 10 DEBT COVERAG AGE RATIO =R&? NET INCOM E/DEBT SERVICE (@?  LOAN & CLOSING  4.PROFIT(+)/LOSS(-)x'*ě@ 11.MORTGAGE CON ONSTANT CAP YRNn[@Y@% DEBT SERV ICE/LOAN AMOUNT *@?  MARGINAL L TAX RATEE 2@  5.PAYOUT CAP YEAR,)$䓠@mY@ 12.ROE CMISC i@  * J'C@? * -------  * ](D@? *TOTAL EXPENSEfffffʻ@  * K)D@? * DEPRECIATION}N> * YARD/SNOW @@  * a$B@? * VACANCY RATE@?  * =%B@? *  * I&C@? * ?  * TAXES P@  * P!@@?  * INSURANCE |@  * K"A@?  * TELEPHONE  * O#A@?i@?  * e>@? FLOW YR 4m@@  * REPAIRS @  * f?@? FLOW YR 5jP  * SUPPLIES Y@  * L @@  * v<@? FLOW YR 2Q )@  * MAINT @R@(@  * =@? FLOW YR 3_ws@  * UTILITIES3@P@@* :@? ACC--SL  5 YEARS------>UUUUU@&  * --------  * ;@? FLOW YR 1_ikMg@  ACC--SYD  5 YEARS------>ZLg1Ŝ@&  * MGT FEE --------------->Q^Cy y@" *  * 9@?  INT RAT E 5TH YR /1@?  ACC--125 DB------------->ذ֪@&  * EXPENSES  7@?  INT RAT E 3RD YR0@  1ST SL --------------->UUUUUUk@"  * ------   * 8@?  INT RAT E 4TH YR*1@  1ST SYDON STATS***  * **YEARLY FIGURES**  * 6@?  INT RAT E 2ND YR-@  1ST 125 DB-------------->UUUUUt@"  * INCOME3@e@pr@~@(@  *  EXPENSE ANALYSI S * 4@?  PURCHASE YEAR @  MORTGAGE CAP %-----------> @ ***************1* *********5@?  INT RAT E 1ST YR)@  DEPRECIAT I%|2@?  YEARLY PAYMENT ( CAP YEAR) 0ZH@(@ **************1* *********3@?  DEPRECI ATION LIFE 2@  YEARLY INCREASE %--------> @ * INCOME/TE 1ST YEAR )@ 15.SALE RESULT 5YRS+7@{Gz?M1@?  MONTHLY  PAYMENT( CAP YEAR)]ue@NET CASH FLOW 1-5c\u@ 16.***IRR***------------->A@.@?  AMORT YRS @  7. INVESTMENT=DP+LC 14.EQUITY INC 5YRS'[߀@N?0@?  PAYMENTS/YEAR (@  ***INT RAAP YR Y@% *** CASH FLOW /DOWN PAY MENT AS %,@?  INT RATE --CAP 2@  6.INT RATE CAP YEAR1@ 13.LOAN COSTS  (TO BE DESIGNED)o@  * Q*E@? * NET INCOMEq@  * 9+E@? *  * I,F@? **************1* *********6-F@?  *1*1***M.G@?  * DEPRECIATI ON SCHEDULE*\/G@?PURC YR -------->@  *1*1***0H@?NEW COST------?@UUUUUUk@?@UUUUUUk@?@UUUUUUk@?@?@UUUUUUk@?@UUUUUUk@?@UUUUUUk@?@UUUUUUk@?Humg@?¯ !@9L@?SL@UUUUUUk@?@UUUUUUk@}N>o@?H+m@?HhXMk@?H(kd-i@?@/bs@?G P r@?H!Zp@?H?HyK1k@?HYy/h@?e\@8L@?  125 DB9UUUUUt@h/As@?HEӦq@?HdB.p@?H&#m@7K@?  150 DB9y@?@v@?Gqu@?HKH(=qp@@H|5e;m@@HXRi@@V}.@z@@HzƔ;iw@@HSgQt@@H dr@@ALS *O5J@?1=1=1=================1=1=1=1=1=1=1=6K@?DDB9@@@Kh/}@@GJ_cV? * METHOD *@@? @?@?@?@?@? @?$@? * TOT2I@?LIFE2@ @3I@?1=1=1=1=1=1=1=1=1=1=1=4J@>@?  1H@?SALV VAL ------->@Y@  :M@?SYD]Q^Cy y@?@]Lg1tx@?@]Hp}w@?@]Cy 5u@?@]?#t@?@@?DQ@?E@Q@?FQ@?FGQ@? 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Interest1@c  % (APR)f@? PaymentsV]ue@???)g@Yr(@^ LOAN AMORT IZATION SCHEDULE **M5**M`f@?Years?\@1=1=1=@f@? Interest1@e %Ff@?ffffff?d---ke@?TOTAL$P@Up{@ڌt@f@?F f@? Loan Amt0Z@1=1=1=c@f@?Pmt/e@?(@?1.0Z@8mEc@? B:@Y"r0`@He@? ------- ----+#>@KcSt_@e@?&@?1.U qQ@8mEc@?-Ԯ<@Kg_@8mEc@?5!)@@` z_@`e@?$@?1.SKY@8mEc@?xݗ@18c d@h@?&@?1.pu;t@8]ue@?n&3@ Rld@h@?(@?1.]Zd@8]ue@?V@]Zd@Xh@? ------- -? l@? ףp= ?I +?MbP?pt?MbP? /$?MbP?СE?MbP?Gz?MbP?-C6-Ck@? ?P +?MbP?jt?MbP?Mb?MbP?`d;O?MbP?ףp= ?MbP?+l@ףp= ?MbP?k@?P3  Vs7 m^ $lO W Brz??{Gz?+k@?k@? ?P +?MbP?jt?MbP?Mb?MbP?`d;O?MbP? ̗ `k@? ? ףp= ?{Gz?~Gz?{Gz?Q?{Gz?Q?{GGz?Q?{Gz?Q?{Gz??{Gz?@k@?P2 r} ďՄ { ޚ&V4?433333??????)k@? k@? ? ףp= ?{Gz?~Gz?{ 9S5/ yJT τ r}j@? 333333????? 333333?????433333?????? j@?P1 {  )ŤFLOW<_ikMg@Q )@_ws@m@@jPXj@?1-1-1-1-1-1-1-1-j@ @?@?@?@?X@j@?4-4-4-4-4-4-4-4-`j@??CDEFGHIJKLMNOPQRSTUVWXbj@?4-4-4-4-4-4-4-4-4-4-4-4-4-4-4-4-4-4-4-4-4-4-4- j@?YEAR@C@?i@?ni@?1*1* *********1*1**************************************************1*;i@? INTERNAL RATE OF RETURN*i@?1-1-----`i@------ -------mi@?TOTAL 0ZH@܎[n^f@0Z@H i@? ******** ********@i@?`6?@l@?P4 Br ZF ̈L& N 4w A?Ѡ `l@? ףp= ?I +?MbP?pt?MbP? /$?MbP?СE?MbP?Gz?MbP?-C6-C6property tax.......  * GOTO > G25 GOTO > E23     i  Yearly maint. co sts.......  * GOTO > G16 GOTO > E12     i  Selling  costs (%  of sale)  * *     T  Monthly  pymt (ma nual)....  *  *  *     -  (co mputed)...     W  Monthly  loan fee s...........  *  *  *     h  Yearly      S  # of py mts per y ear.....  *  *  *     T  Term of  loan in years.....  *  *  *     U  # of ye ars to ba lloon.....  *  *  losing  costs.....!.  *       3    LOAN 1LOAN 2LOAN 3     L  Princip al amount!.  *  *  *     T  Mortgag e interes t (%/Yr.)  *  *  *  SECTION:       E  Home pu rchase co st........  *         Down payment (Compu ( mputed)...2      >  C$!-!-!-!-       =  Hom e Renting  vs. Buying       H!-!-!-!- GOTO > G16 GOTO > E12     D OWNERSHIP  INFORMAT ION INPUT RM]1L]NHNHP nS?JY@"PERIODm@?;n@? NET CASH FLOW YEARS 1-5; n@?c\u@L!Y@PERIODm@? PERIOD4Sm@@'?K Y@PERIODm@? PERIOD5Xj@&PERIOD`m@? PERIOD2SQ )@)?M"Y@PERIODm@? PERIOD3S_ws@(??  ******1****7m@? PERIOD FLOWS* m@?1----@m@?2  PERIOD1S_ikMg@*?uuN#Y@?'l@?Vl@?1- ---******1* ***------1-1-1-1-1-1-al@? *IRR*@Y@% *;l@ GOTO > G16 GOTO > E12     h  Square footage o f home....  * GOTO > G16 GOTO > E12     h  Yearly appreciat ion.....%  * GOTO > G16 GOTO > E12     h  Yr.chan ge in mai nt......%  * GOTO > G16 GOTO > E12     h  Yr.chan ge in pro p tax...%  * GOTO > G16 GOTO > E12     h  Margina l tax bra cket....%   RENT9(@{Gz?(@#{Gz?#{Gz?#{Gz?#{Gz?   6 MAINT92   4TOTAL  BALLOON   5???   3  BALLOON*222   O1     2:{Gz?LOAN 3x   0  BALLOON*2222     /:{Gz?LOAN 2x???2222   O.    ,:{Gz?LOAN 1x???   -  BALLOON*DAT A - DO NO T ALTER!!YEARYEARYEARYEARYEAR   *  == == = ======= ??@@@@@@@@   O+   TO > D92       C& SQ. FT. C OST COMPA RISON GO TO > D105       D' OWNERSHIP  ADVANTAG E(+-) GO TO > D1275       G(!=!=!=!========== GOTO G16 ========= GOTO E12!=!=   K) VITAL * GOTO > G16 GOTO > E12     h#  Yr.chan ge in mai nt......%  * GOTO > G16 GOTO > E12     -$  Cal culate=!       D% YEARLY CO ST OF OWN ERSHIP GO  h  Monthly  maint. c osts....$  * GOTO > G16 GOTO > E12     g!  Square footage o f rental$  * GOTO > G16 GOTO > E12     g"  Yearly change in  rent...%  INFO RMATION:   GOTO > G16 GOTO > E12     H     GOTO > G16 GOTO > E12     j  Monthly  rent...... ........$  * GOTO > G16 GOTO > E12    * GOTO > G16 GOTO > E12     h  Savings  account rate....%  * GOTO > G16 GOTO > E12     H     GOTO > G16 GOTO > E12     W RENT(@{Gz?(@#{Gz?#{Gz?#{Gz?#{Gz?   ;7 LOAN 1       ;8 LOAN 2       89LOAN 3       $:!=!=!=!=!=!=!=!=   $;           7< *** YEARL Y COST OF ***        O= GOTO > H120 GOTO > I120-Y *** CUMUL ATIVE COS T COMPARISON ***+Z  ** ASSU MING SALE  AT YEAR END **,\END OFEND OFEND OFEND OFEND OF,]YEAR 1YEAR 2YEAR 3YEAR 4YEAR 5;^  --------  --------  -------(@W Monthly O wn Cost/Sq. Ft.wX GOTO > E120 GOTO > F120 GOTO > G120 (@(@(@(@U Monthly R ent Cost/  Sq. Ft.(@(@(@(@**Q Monthly R ental Cost(@(@(@(@(@S Monthly O wnershipCost(@GK ======== GOTO > E101  ========  ========  ========  ========-M *** MONTH LY COST C OMPARISON OF ***(N  *** R ENTING VS  OWNING *{Gz?#{Gz?#{Gz?#{Gz?;I  --------  --------  --------  --------  --------J = Ownership Cost{Gz? F + Interes t Lost on CasheG  InvestedQ?(@{Gz?(@H - Income Tax Savings#{Gz?#{Gz?%{Gz?E + Property Taxes%{Gz?%{Gz?%{Gz?%{Gz?%D + Home Ma intenance%{Gz?%{Gz?%{Gz?%{;B  --------  --------  --------  --------  --------C = Financi ng Payment{{A + Loan Pr ocessingFee{{ @ + Princip al Repayment(((((*** HOME OWNERSHIP ***YEAR 1YEAR 2YEAR 3YEAR 4YEAR 5   >    -------- GOTO > E88 -------- GOTO > F101 -------- GOTO > G101 -------- GOTO > H101 -------- GOTO > I101   T? Mortgage Interest -  --------  --------_ Home Sales Price#{Gz?#{Gz?#{Gz?#{Gz?#{Gz?` - Selling Costs{Gz?{Gz?{Gz?{Gz?{Gz?a - Loan Repayment7-** Business income...** !-!-!-!-!-!-!-G Financial  Priorities es Scores Budget items$ / mo$ / yr1 !- ---------!-!-!-  --------  -------E No concer n........  = 1Contributions ions.....!-!-!-!-)  Res ources an d Objectives!-!-!-!-* Earned Income  Your's  Spouse!------------------- Annual sa lary/wage** Annual bo nus's.... RM1NHNHP nS7522rn ======== GOTO > F75 ======== GOTO > G75 ======== GOTO > H75 ======== GOTO > I75 ======== GOTO > E > F123 -------- GOTO > G123 -------- GOTO > H123 -------- GOTO > I123!l HOME OWNE RSHIP ADVANTAGEm  (OR D ISADVANTAGE)222j + Cum. Rent Cost(@ (@ (@ (@ (@wk -------- GOTO > E123 -------- GOTO;h  --------  --------  --------  --------  --------i = Cum. Ga in/Loss on Sale;e  --------  --------  --------  --------  --------f = Gain/Lo ss on Saleg - Cum. Ow nership Costd - Down Py mt & Clos ing Costs---;b  --------  --------  --------  --------  --------c = Cash Proceeds**; Low conce rn........  = 2 Food......!.**B Moderate concern...  = 3 Utilities ..........**B High conc ern......  = 4 Home maint t/Rent...**B Very high  concern.  = 5 Auto opera /transp..**+!-!-!- Auto insur rance.....**: Reduce inc come tax.* Medical i nsurance.**= Inflation  hedge...* Vacations... .........**2 Retirement t capital* Education!.**: Asset gro wth .Y@Y@sV Averages.!. ........$*MbP?Y@*MbP?Y@W!-!-!-!-XCurrentApprec#Y  OTHER ASSETS**Q Cable TV.!.****6R IRA - inv estments.***%S Misc. var iable....****5T!-!-  --------  --------  --------  -------}U Totals..$sing.****6L Gems/diam ond/coins***6M Gold/silv er.......***%N Cattle fe eding....****6O Cattle br eeding...***6P Timber... .........* ome......****%F R.E.- gro wth......****6G R.E.- tax  shelter.***%H Oil&Gas - income...****%I Oil&Gas c ompletion****$J Oil&Gas - drilling****%K Equipment  leaate %3?!-  --------  --------  --------  -------%@ Annuity -  variable****A Stocks...!.****%B Mutual Fu nd-income****%C Mutual Fu nd-growth****D Land.......!.****&E R.E.- incos; Average..!. ........%*MbP?Y@*MbP?Y@ <  --------!-!-  --------%=AccountPer moCash Apprec5> VARIABLEASSETSvalue$addtnsflow %rY@67 IRA - sav ings.....***A8 Misc. fix ed.......***Y@99!-!-  --------  --------  --------  --------U: Totals..$pal bonds***f5 Ins. Cash  Values..q6 Ins divid ends..... te of Dep***Y@A1 Corporate  bonds...***Y@A2 Mortgages .........***Y@83 Annuity -  fixed....***34 MuniciIXED ASSETSvalue$addtnsrate % interest9-!-!-  --------  --------  --------  --------@. Passbook sav/check***Y@A/ Money mrk t fund...***Y@A0 Certificain 1 yr.$***)& Accum. di vidends.$**** %"' Last divi dend pd.$***#( Policy loa ans.....$***") Loan rate / yr....%****!-!-  --------!-!-!-*+AccountPer mo Interest  Taxable 7,  FRANCEGrowth.  TOTALSYour'sSpouse ChildrenRate 9!!-!-  ---------  ---------  ---------  ---------"" Face amou nt......$***"# Annual pr emium...$***)$ Present C ash Val.$**** %#% Cash Val i .**; Life ins.  protect* Furn/home im  improve.**? Reduce ins s. cost....* Mag/newspa apers......** Property tax......**  Miscellan eous.....**&!-!-  --------!-!-  --------- LIFE INSU.....* Homeowner s ins....**1 Diversifi cation...* Clothing.!.**3 Liquidity!.* Medical exp xpenses..**< Current in ncome....* Disability y ins.....**: Minimum e state tax* Entertain ment.....valuerate %!Z!-!-  ---------  --------- [ Your pensi ion bal..** \ Spouse pen nsion bal**] Residence!.**^ Personal property**_ Auto(s)..!.**` Other....!.**a Business practice.**b!-!-!-!-!cAccountMonthly  Interest$dDEBTSbalancepaymentrate %*e!-  ---------  ---------  ---------f Home mrtg.***g 2nd mrtg.***h Invst mtg***i Chrg card.***j Auto loan*@@7@7@d  Show all data in t oday's dollars.   @@@@%@%@J  rt-nowlife-rt65-rtA@A@@@  Present a ge....... ........#  *G  !-!-!-!-   @@@@W   Retiremen t Capital    ?@?@@@@@G  !-!-!-!-   @@ RM1NHNHP nS.....$* (trust fund t fund, not ot from asssets)Ca lculate=!ath b enefit..$*' Spouse pe nsion / m o.......$*'  Lump su m death b enefit..$*)  Disabili ty Income  sources/mo.& Company l ong term benefit.$*& Personal disabilit y insur.$*Y Other dis ab. benef itsergency  reserve$*' Education  cost/chi ld/yr...$*& Years of college p lanned..$*' Part of e ducation you pay.%*0  Company re retirement t plan benefits:' Your pens ion / mo. ........$*'  Lump su m deWith chil dren at h ome/mo..$*' After chi ldren gro wn/mo...$*' Retiremen t plan in come/mo.$*$ Additiona l survivo r income$& Rate of r eturn on capital.%*) Final exp ense(funera ral etc)$*& Survivor emetireme n income goal/mo.$*1  Survivor r income requirementsnts/mo:' With chil dren at h ome.....$*' After chi ldren are  grown..$*& From age 65 to lif e expect$*+  Spouse earnings as a survivor:' -!-!-!-!-!-%} OBJECTIVES S and RESOUROURCES~!-!-!-!-!-!-!-!-' Long term  inflatio n rate..%*& Monthly t ake home pay.....$*' Monthly l iving exp enses...$*' Your desi red retir ement age*&  Rv Reduction s to Income:(w  Personal  exemption ns......#*(x  Itemized  deduction ns......$*)y  Adjustmen nts (movin ng,etc).$*(z  Tax credi its...... ........$*({  Investmen nt deduct ions....$*|!-!-!;r  Your spo use's ear nings...$3s  Taxable interest. ........$^t  Total di vidends.. ........$9Y@'u  Other in come..... ........$***k Pers loan***l Other dbt***m!-  ---------  ---------<n  Totals.o!-!-!-!- p Taxable I ncome Sources:<q  Your ann ual earnin ngs.....$@U@@U@@P@@P@A@A@@@g  Retiremen t age des ired....#  *   B@B@33333χ@33333χ@w  Retiremen t income goal/mo.$  * ef rr>rt65-nowINF-4%B@B@@@   Inflation  rate.... ........%  *.{Gz?{Gz?Y@?@P@@P@#{GzY@{Gz?C@?   N@N@@@g!  or increa se both t o a lesse r degree.   N@N@փ@փ@G"         O@O@@@   M@M@G@G@f  or increa se your mo onthly additions   M@M@$@$@   from....$  to...$N@L@L@33333@33333@f  either in crease th e rate of  return   L@L@h@h@  on presen t capital  to.....%B?Y@   K@K@@@G         L@L@33333@33333@f  If you ha ve a shor tage, you  need to   ? J@J@؄@؄@  Shortage.!. ........$H   K@K@@@   or su rplus.... ........$K I@I@fffff<@fffff<@w  Personal capital.. ........$RATIO1/YR J@J@33333 @33333 @{      h㈵> SHRT CAPSHRT MO I@I@n@n@  Company p ension... ........$e??Y@?@& .>   H@H@Ѕ@Ѕ@c  Capital v alue of i ncome sources:   H@H@@@  Social Se curity... ........$:?Y@?G@.@.@g  earns 2% over infl ation, yo ur needed   G@G@@@  capital w ill be... ........$O???(@F@F@fffff@fffff@  ment incom me goal w ill be..$.Y@?  F@F@]@]@e  If you li ve to 85 and your capital   G@@  By the ti me you re tire, you r Retire-%0@?0Z(@p= ף?u:),6UAn@???4@(@pany p ension/mo ........$  *.Y@? ;;p= ף?E@E@@@c    Calc ulation=!SS TOTINFL SSVAL @65E@E@33333@33333?@:0yE>D@D@fffff@@fffff@@t   Aftertax return on  both...%  * PEN @ RT SS EFF %D@D@33333@33333@   ComC@@@x   Present c apital av ailable.$  * RATE RETMO ADDFV CAPC@C@33333i@33333i@   Monthly ad dditions.. ........$  *#?Y@?A#     $         %         &         '         (         )         *         +         ,         -         .         /         0         1         2        a@B@B@t@t@B@B@P@P@ Ca lculate=!  %@C@C@@@C@C@@@gȦ@Ȧ@ Spouse's AIME for   factors.    B@B@ġ@ġ@B@B@@@ retiremen t.......$*>@ %@t@A@A@@@A@A@@@ Spouse's age.....#*  Securit y by vari ous inflation b@A@A@$@$@A@A@ncome c omputed b y multi-  @@@@4@4@@@@@@@ monthly e arnings.$*>@   plying earnings taxed bySocial>@ monthly e arnings.$**@!  AIME is  the Aver age Indexed @@@@@@@@@@.@.@ Retiremen t AIME or   Monthly  I=@=@>@>@q Present a ge......#* >@>@8@8@>@>@>@>@n Present AIME or  ?@?@@@?@?@>@January, 1983  --------  --------  --------  --------q   Present  Maximum*@*@>@>@q   -------  -------=@=@*@*@!-!-!-!-+  Soci al Securi ty Worksheet !-!-!-!- SS MAX AIMEW See manua l for AIM E definition  SURVIVOR  MAXIMUM  RETIRE  MAXIMUMV Benefits based on RM91(9NHNHP nStF][ 3         4         5         6         7         8         9         :            C@C@@@C@C@ԥ@ԥ@g      D@D@J@J@D@D@@@ Retirement  Present  Maximum  D@D@@@D@D@J@J@w!--  -------  -------  E@E@\@\@E@E@@@ You retir e @ 65  O@O@@@O@O@L@L@+ 1 Child Only#??#??  P@P@@@P@N@N@@@) Widow + 1 Child#??#??  O@O@@@O@O@@@* 2 ChildrenN@N@@@N@N@@@( Family MaximumM?(\@q= ףp???  N@N@@@@M@@@M@M@ @ @& Survivor Benefits  Estimate  / Month  M@M@@@M@M@@@~'!- --------  --------  -------  ?  L@L@@@L@L@|@|@g$      L@L@@@L@L@F@F@w%   Present  Maximum  Mޠ@" O@O@":@>@":@>@  K@K@@@K@K@@@# O@O@?J@J@\@\@J@J@:@:@! (on own I ncome) 64"<@>@"<@>@  K@K@@@K@K@ޠ@?  I@I@@@I@I@@@g      J@J@@@J@J@@@q Spouse Re tire @ 65  @@ O@O@"@@"@@  I@I@,@,@I@I@L@L@ O@O@?  H@H@М@М@H@H@@@  (on Your  S.S.) 64"&@(@"&@(@  H@H@|@|@H@H@@@-@G@G@,@,@G@G@R@R@ Spouse be nefit@ 65??O@O@??2@@-@G@G@@@G@G@@@  2X@X@F@F@V@V@ O@O@":@>@":@>@  F@F@@@F@F@@@ E@E@Ԟ@Ԟ@E@E@@@ P@P@"<@>@"<@>@????F@F@P@@@g,      @P@@P@@@@P@@P@@@A- Widow Ret ires @ 65  h. P@P@"x@@@"x@@@  h/ O@O@"@@@"@@@  h0 O@O@"@@@"@@@?Y@?Y@?Y@?Y@?Y@?Y@?Y@?Y@  Yield o n basis.%?Y@?Y@?Y@***** Cost basi s.......$******= Cost/shar e.......$************= Term:1=sh rt,2=long************= Price/sha re now..$************= Dividend/ share...$******* -------  -------  -------  -------  -------  -------  -------  -------= Company I .D.......************; Date of purchase************= No. share s.......#******@?@?@? @?"@?$@?&@?(@?  -------  -------  -------  ------- !-!-!-!- Stock Portfolio !-!-!-!-/ You may e nter up to o 12 stoc ks here.. ??@?@?@? RM1NHNHP nS   5      6      7      8      9      :      ;      <      =       h1 N@N@" @@@" @@@  h2 N@N@"X@@@"X@@@  3      4   ?Y@ Market va lue.....$  Yield o n M.V...%?Y@?Y@? RM1NHNHP nSly@I@I@??I@@@@o@ !-!-!-!-!-!-!-!-S total(\Q@Y_@q@! ! !  ' YTD totat Gasoline.@.@??&@Q?Q?@u Packaging??@@@@@?t Hardware!-!- ----------z Floppy disksq= ףp?q= ףp?A@A@43333K@.@.@7@sPostage??@@@@@@!=!=!=!=!=!=!=!=7  Softwa are Expens es Per Mo nth for 1985!=!=!=!=!=!=!=!=L items....!.!. .unit cost ......qty ......Jan ......qty ......Feb$!-!-!-!-!- CA1NINIP nSY@?Y@ Gain/loss  (-)....$Y@?Y@?Y@?Y@?Y@?Y@?Y@?Y@