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Retirement Planner will help you list your expenses, assets and investments to project your financial needs now through the remainder of your career and into retirement. The program uses simple worksheets for input, allowing you to enter personal data, investment data, assets, income and expenses.
The program automatically compensates for the time value of money, the calculations are internal to the program so you as a user don't need to fill sheet after sheet with complex calculations.
The graphical output projects your net worth on a monthly basis from now to the end of your retirement. The graph is adjusted for all you monthly living expenses, the return on your investments and inflation as well as income taxes and social security payments.
Another graph shows future income vs expenses over the same period of time, revealing any periods where expenses outstrip income, leaving you vulnerable.
The program allows each scenario to be saved to a named file, you can easily develop multiple scenarios and compare the results. You can print the data and graphs for each scenario.
The on-line users manual contains complete, screen by screen instructions on how to use the program as well as an overview of the retirement planning process.
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Lock Folder XP is a new security tool that lets you lock your files, folders and drives with your personal password. Now nobody but you can access your most sensitive information. Locking folders, files and drives also effectively protects you from malicious programs, such as viruses, worms and trojans. Here is how Lock Folder XP works - all you have to do is to drag file or folder you want to lock to Lock Folder XP window, and the rest is done automatically. Now your data is protected, hidden and can not be accessed without entering your personal password. It is critical to have effective protection from unauthorized access, since over 80% of reported security breaches come from within the organization, not hackers! Locking files, folders and drives is the best way to guarantee that nobody accidentally or intentionally gets access to your financial, health, private or confidential information. And since locking your files, folders or drives makes them invisible, they can not be deleted, damaged or harmed in any other ways. Even if a virus gets introduced to your system, your locked folders will not be detected, infected or harmed. Here is the important part - Lock Folder XP uses the encryption standards approved by the US Government. This and others innovative and reliable technologies provide the safest way to store your information well protected against hacker attacks, malicious software and dishonest employees. But don't think that Lock Folder XP can only be used in the corporate environment - this application is perfect for home as well. We also advise you get Lock Folder XP if you have a laptop and travel frequently. After all, if your notebook gets lost or stolen, you don't want strangers to see your financial data, credit card or social security numbers. Lock Folder XP is distributed electronically over the Internet. Free trial version is available for download. Retail price is only $24.95
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Protect Folder 98 is a new security tool that lets you lock your files and folders with your personal password. Now nobody but you can access your most sensitive information. Locking folders and files also effectively protects you from malicious programs, such as viruses, worms and trojans. Here is how Protect Folder 98 works - all you have to do is to drag file or folder you want to lock to Protect Folder 98 window, and the rest is done automatically. Now your data is protected, hidden and can not be accessed without entering your personal password. It is critical to have effective protection from unauthorized access, since over 80% of reported security breaches come from within the organization, not hackers! Locking files and folders is the best way to guarantee that nobody accidentally or intentionally gets access to your financial, health, private or confidential information. And since locking your files, folders or drives makes them invisible, they can not be deleted, damaged or harmed in any other ways. Even if a virus gets introduced to your system, your locked folders will not be detected, infected or harmed. Here is the important part - Protect Folder 98 uses the encryption standards approved by the US Government. This and others innovative and reliable technologies provide the safest way to store your information well protected against hacker attacks, malicious software and dishonest employees. But don't think that Protect Folder 98 can only be used in the corporate environment - this application is perfect for home as well. We also advise you get Protect Folder 98 if you have a laptop and travel frequently. After all, if your notebook gets lost or stolen, you don't want strangers to see your financial data, credit card or social security numbers. Protect Folder 98 is distributed electronically over the Internet. Free trial version is available for download. Retail price is only $19.95
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Quick. Simple. Visual way to plan your Retirement Savings strategy. Are you saving enough for retirement? Retirement Planner will tell you the answer.
The intuitive one screen design will help you develop a savings strategy to reach your retirement income goals. The easy-to-read Principal Graph shows you your growing savings balances. The Income Graph clearly shows you in red if you cannot meet your specified retirement income goal. It's that easy. This software works with all types of retirement plans and assets including 401(k), IRA, 403(b), 457, SIMPLE, and any other defined contribution plan.
"It is one of the most helpful, and easy to use, pieces of retirement planning software I've seen. Thanks." R. Gibson
Retirement Planner makes planning easy by combining all of your retirement assets, savings, and variables into one simple program and includes: Current Age Retirement Age Annual Salary Estimated Annual Raise Retirement Income Goal (in Today's Dollars) Tax Deferred Investments - Current Balance Tax Deferred Investments - Annual Contribution Tax Deferred Investments - Company Match Tax Deferred Investments - Annual Return Taxable Investments - Current Balance Taxable Investments - Annual Contribution Taxable Investments - Tax Bracket Taxable Investments - Annual Return Pension - Annual Amount Pension - Start Age Return During Retirement Estimated Annual Inflation Social Security Estimate Retirement Planner allows you to enter multiple assets for your tax-deferred and taxable investments and analyzes all of your assets together for easy analysis.
As seen in Business Week, Barron's, PC Computing, and PC World, this popular Retirement Planner was rated 5 stars by ZDNet (their highest rating) and highly rated by AAII. Continually updated since 1995.
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Program Description: RETIREMENT INVESTMENT REQUIRED
This program is a version of a program that will show you how much you need to invest monthly to reach retirement goals. It will run under Win 95, 98, Me, NT4, XP, & 2000. Have you called the Social Security Hotline (1-800-772-1213) to verify your estimated monthly SS benefit so that you can evaluate the monthly shortfall you may experience? This program calculates the amount of money required to provide a given monthly income at retirement with or without withdrawing capital, which, when added to your Social Security monthly benefit, will show your condition. You can then calculate the additional monthly deposits you need to make to retire with financial security. Printouts are professional looking and may be used by financial planners as they assist clients in keeping individual stock portfolio records.
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Ever wonder if your pay check is correct? Are the deductions and withholding too much or too little? Payroll 2004 software makes it easy to keep track of your weekly or bi-weekly pay checks. Enter the hours worked as well as overtime, holiday, sick leave, and other pay categories, then Payroll 2004 applies the withholding tax rates for federal, state, and city or non-city resident based on your exemptions claimed and marital status. Print pay checks. Vary your K-plan deduction to see what percentage is right for you. Check medicare, SDI, SUI, Cafeteria Plan and social security payments. Print out (Excel or Text) year-to-date chart shows your week-by-week earnings and is updated with just a mouse click. The overtime chart saves your last year's pay periods and calculates overtime percentage, so that you can track whether you are pushing company limits. This is a neat little program for one or more individuals.
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Password Manager XP is a convenient software application for storing passwords, access codes, social security and credit card numbers and other valuable information that needs protection. It will be your passwords and secrets keeper. Protect your private data with this password management utility.
Program's unique features include capability to encrypt stored information with several encryption algorithms simultaneously (Blowfish, 3DES, Rijndael, Tea, Cast128, RC4, Serpent, Twofish). Importantly, no temporary files are ever created, guaranteeing the encrypted data will never be intercepted. The blocks of information are cleared from the computer memory as soon as they are no longer needed. And if the program is left idle for a set period of time, it will automatically shut down, making sure no one gets access to any sensible information.
Password Manager XP comes with a built-in password generator and is fully integrated with Internet Explorer, works with external media drives (USB Flash), and comes with multiple export and printing options. The program is very easy to install and operate. It also comes with backup and restoring options and informs you about expired passwords.
Password Manager XP is ideal for workgroup use. The program lets several users get access to the password databases. Importantly, access rights and privileges can be regulated. All changes inside the database are logged, giving the system administrator complete control over the users' actions. Password Manager XP is your password keeper.
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Entertaining and distinctive name ranking and charting software. NameSpire lets you easily peruse the most popular names in the United States as determined by the Social Security Administration. Is a name becoming too popular? Or is the popularity of a name falling rapidly? Are you looking for a name with a certain number of syllables? Interested in only gender neutral names? How about names that sound like a particular word or other name? Let NameSpire show you!
NameSpire uses data published by the Social Security Administration and contains popularity information on over 4800 names. Yearly popularity rankings for each year from 1990 through 2003 as well as for each decade from 1900 through 1990 are available for searching, charting, comparing, and content analysis.
* Top 1000 most popular male and female names for each year from 1990 through 2003 and for each decade from 1900 through 1990.
* Compare the change in popularity of multiple names.
* Chart names by length, the number of vowels, the number of consonents, and the number of syllables.
* Find names with the largest year-to-year gain in popularity or the largest year-to-year drop in popularity.
* Show only names gaining in popularity every year or declining in popularity every year.
* Powerful Namealyze feature to locate names by:
* Length, vowels, consonents, and syllables
* Names begining with, ending with, or containing certain strings
* Find names that sound similar to any word or name that you enter.
Much more!
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Heybaby is your complete pregnancy tracking companion. Heybaby allows you to easily monitor your pregnancy progress, helps you pick baby names, plus a host of other useful information and tools. Perfect for the soon to be Mom and Dad. Heybaby includes the following exciting features: - UPDATED Today view - Shows baby's current development progress and pregnancy status. Calculates Days till due date, Current Trimester (In addition to dates for each trimester), Current day number, Current Week, etc. - NEW Chinese Birthing Chart- - This fun new tool was added to allow you to guess the sex of your baby using the popular Chinese birthing chart. Legend states that this chart was buried in a tomb near Beijing almost 700 years ago. The original is stored at the Beijing Institute of Science. Some say this chart has been proven scientifically to be 93% accurate. - NEW Glossary of Pregnancy terms - A comprehensive list of almost 100 terms and definitions complete with partial word search capability. - NEW Ovulation Calculator- This tool will allow you to more easily determine the ideal dates in which fertility is at its peak. In addition, this feature will also estimate the due date should pregnancy occur on the ovulation date. - Baby Name Ideas - A list of over 1,500+ Baby Name ideas to help you pick the right one for your Baby. Most all names include Meanings, Ranking from 2001 Social Security Administration and Origin information. - Baby Growth Chart - Shows the estimated Weight and Length of Baby (Units of measure for chart can display: In./Lbs. or cm/grams). - Day Calculator - Want to know how far along you will be on A certain date? This tool can tell you. No more guessing! - Favorite Names List -Create your own personal list of Favorite baby names! Add favorite names from the built-in list or Add your own. - Wives Tales - An integrated book of about 40 Wives Tales that is sure to make your Mother-in- Law droole!
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Heybaby is your complete pregnancy tracking companion. Heybaby allows you to easily monitor your pregnancy progress, helps you pick baby names, plus a host of other useful information and tools. Perfect for the soon to be Mom and Dad.Heybaby includes the following exciting features: * UPDATED Today view - Shows baby's current development progress and pregnancy status. Calculates Days till due date, Current Trimester (In addition to dates for each trimester), Current day number, Current Week, etc. * NEW Chinese Birthing Chart- - This fun new tool was added to allow you to determine if your baby is a boy or girl using the popular Chinese birthing chart. * NEW Glossary of Pregnancy terms - A comprehensive list of almost 100 terms and definitions complete with partial word search capability. * NEW Ovulation Calculator- This tool will allow you to more easily determine the ideal dates in which fertility is at its peak. In addition, this feature will also estimate the due date should pregnancy occur on the ovulation date. * Baby Name Ideas - A list of over 1,500+ Baby Name ideas to help you pick the right one for your Baby. Most all names include Meanings, Ranking from 2001 Social Security Administration and Origin information. * Baby Growth Chart - Shows the estimated Weight and Length of Baby (Units of measure for chart can display: In./Lbs. or cm/grams). * Day Calculator - Want to know how far along you will be on A certain date? This tool can tell you. No more guessing! Favorite Names List -Create your own personal list of Favorite baby names! Add favorite names from the built-in list or Add your own. * Wives Tales - An integrated book of about 40 Wives Tales that is sure to make your Mother-in-Law droole!
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