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Assets and Liabilities - ABC Budgets

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Taking Control.xls was developed by ABCBudgets.com.
Assessment
                                      What is TakingControl!.xls
             Taking Control.xls is a financial planning application designed to help the 80% of Americans who live paycheck
             to paycheck. It helps the user develop an action plan for taking control of his or her money. It is the entry
             point to our personal finance system.

             1. We begin with an assessment and analysis of your current financial situation.
             2. Because taking control of your finances requires "Getting Ahead Money" (the amount that monthly income
             exceeds monthly spending), we help you examine ways to increase income and decrease spending.
             3. Next, we review an outline of personal finance fundamentals as taught by experts like Dave Ramsey and the
             folks at Crown Ministries. We move these fundamentals to an action list and prioritize financial objectives you
             should accomplish to take control of your finances.
             4. In the fourth section of our application, we provide calculators for determining how much money and how
             long it will take to accomplish your financial objectives.
             5. All of this comes together as we help you write a personalized action plan for taking control of your money!
             6. Finally, we provide a slide presentation showing how Unbelievable Spreadsheets.com can help you with the
             budgeting and bookkeeping necessary to implement your action plan.

             Here's a suggestion: Don't make this a laborious project. Make it fun...you are in the process of changing
             your life.
                        Financial Assessment
                  Assets and Liabilities
                         Joe and Mary Blow
                  Total Assets                    -
               Total Liabilities                  -
                    Net Worth                    -

Your Assets - What you own.
List your assets by category.

         Bank Accounts                         Current Balance
        Checking Account
         Saving Account




                Total Bank Accounts                             -


     Investment Accounts                        Current Value




          Total Investment Accounts                             -


         Stocks & Bonds                         Current Value




                Total Stocks & Bonds                            -


            IRA/401(k)                          Current Value
                    Total IRA/401(k)                    -


       Home/Real Estate                 Current Value




                    Total Real Estate                   -


          Automobiles                   Current Value




                  Total Automobiles                     -


          Other Assets                  Current Value




                  Total Other Assets                    -




Your Liabilities - What you owe.
List your debts by category.

            Mortgage                    Amount Owed




               Total Mortgage Debt                      -


          Credit Cards                  Amount Owed
     Total Credit Card Debt                 -


  Student Loans               Amount Owed




        Total Student Loans                 -


   Auto Loans                 Amount Owed




          Total Auto Loans                  -


Other Loans/Debts             Amount Owed




          Total Other Loans                 -


 Income Tax Due               Amount Owed
                                     Financial Assessment
                               Income and Spending
Your Monthly Income                                             Joe and Mary Blow
List your income here. (enter take home pay)

         Income Name                          Monthly Amount

                                                                     Total Monthly Income                 0.00
                                                                   Total Monthly Spending                 0.00
                                                                  Getting Ahead Money                    0.00    ####

                                                                       Learn More                                   Bar chart of Getting Ahead $




              Total Monthly Income                          -



Your Monthly Spending/Expenses
List your expenses here.

             Housing                          Monthly Amount       Annual Amount
           Mortgage
          Equity Loan                                                                   Not all spending occurs on a
              Rent                                                                      regular monthly basis. For these
             Repairs                                                                    irregular expenses, enter an
           HOA Fees                                                                     estimated annual amount
         Property Taxes                                                                 rather than a monthly amount.
     Home/Renter's Insurance                                                            DO NOT ENTER BOTH.
       Home Improvement
            Furniture
              Other
              Other
              Other
                          Total Housing                     -                       -                     -


              Utilities                       Monthly Amount       Annual Amount
           Natural Gas
                Oil
            Electricity
           Water/Sewer
               Trash
    Telephone
    Cell Phone
     Cable TV


                 Total Utilities                -                   -   -


      Food                         Monthly Amount   Annual Amount
    Groceries
    Eating Out




                   Total Food                   -                   -   -


 Transportation                    Monthly Amount   Annual Amount
 Auto Payments
     Gas/Oil
   Car Repairs
 Auto Insurance
  License/Taxes
Auto Replacement



        Total Transportation                    -                   -   -


    Clothing                       Monthly Amount   Annual Amount
 Adult Clothing
Children Clothing


              Total Clothing                    -                   -   -


Medical/Health                     Monthly Amount   Annual Amount
 Health Insurance
Disability Insurance
    Doctor Bills
     Dentists
    Optometrist
     Medicine
            Total Medical/Health                          -                      -                   -


          Personal                       Monthly Amount          Annual Amount
        Life Insurance
          Child Care
          Baby Sitter
           Hair Care
           Education
        Child Support
            Alimony
      Subscription Dues
              Gifts
      Spending Money



                   Total Personal                         -                      -                   -


            Debt                         Monthly Amount          Annual Amount
   Credit Card Payments
  Student Loan Payments
Credit Card Fees and Interest
           Other


                        Total Debt                        -                      -                   -


        Recreation                       Monthly Amount          Annual Amount
        Entertainment
            Movies
         Video Rental
            Parties




                 Total Recreation                         -                      -                   -

                              Total Irregular (annual) Expense                   -



Set-aside for Irregular Expense                           -                Monthly amount of Irregular Expense
       Charitable Giving

            Other



Total Monthly Spending     -
Financial Assessment                              Financial Assessment

                                       Financial Assessment Report
                                                   Joe and Mary Blow

       Profit/Loss
                Your Total Monthly Income $                      -
               Your Total Monthly Spending $                     -
                                       Profit/Loss $             -

            In business we call this a profit or loss. In personal finance it's
            called getting ahead or getting behind. You are:               Getting Behind!

       Your Monthly Income
                                                                         4% ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ###


                   Source                     Amount       Percent                      Bar Chart of Income
                                   -      $            -    #DIV/0!      ####################
                                   -      $            -    #DIV/0!      ####################
                                   -      $            -    #DIV/0!      ####################
                                   -      $            -    #DIV/0!      ####################
                                   -      $            -    #DIV/0!      ####################
                                   -      $            -    #DIV/0!      ####################
                                   -      $            -    #DIV/0!      ####################
                                   -      $            -    #DIV/0!      ####################
                                                                         Bar charts do not register amounts below 5%.
                            Total Income $             -




       Your Monthly Spending
                                                                         4% ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ###


                  Category                    Amount       Percent                    Bar Chart of Spending
       Charitable Gifts                   $            -    #DIV/0!      ####################
       Housing                            $            -    #DIV/0!      ####################
       Utilities                          $            -    #DIV/0!      ####################
       Food                               $            -    #DIV/0!      ####################
       Transportation                     $            -    #DIV/0!      ####################
       Clothing                           $            -    #DIV/0!      ####################
       Medical/Health                     $            -    #DIV/0!      ####################
       Personal                           $            -    #DIV/0!      ####################
       Debt                               $            -    #DIV/0!      ####################
       Recreation                         $            -    #DIV/0!      ####################
       Other                              $            -    #DIV/0!      ####################
                                                                         Bar charts do not resister amounts below 5%.
                            Total Income $             -
How do you compare?
Compare your spending percentages to recommended percentages from personal finance expert Dave Ramsey.
                                                Your
Spending Category                     Amount   PercentRecommended
Charitable Gifts                 $         -    #DIV/0!   10-15%                                             15%
Savings                          $         -    #DIV/0!    5-10%                                             that
                                                                                        "X" indicates an area10% may be a
Housing                          $         -    #DIV/0!   25-35%                        concern.             35%
Utilities                        $         -    #DIV/0!    5-10%                                             10%
Food                             $         -    #DIV/0!    5-15%                                             15%
Transportation                   $         -    #DIV/0!   10-15%                                             15%
Clothing                         $         -    #DIV/0!    2-7%                                               7%
Medical Health                   $         -    #DIV/0!    5-10%                                             10%
Personal                         $         -    #DIV/0!    5-10%                                             10%
Recreation                       $         -    #DIV/0!    5-10%                                             10%
Debt                             $         -    #DIV/0!    5-10%                                             10%

                           Total $         -



Your Assets
                                                             4% ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ###


          Asset Type                  Amount   Percent                       Bar Chart of Assets
Real Estate                      $         -    #DIV/0!      ####################
Vehicles                         $         -    #DIV/0!      ####################
Retirement                       $         -    #DIV/0!      ####################
Bank Accounts                    $         -    #DIV/0!      ####################
Investments                      $         -    #DIV/0!      ####################
Personal Items                   $         -    #DIV/0!      ####################
                                                              Bar charts do not register amounts below 5%.
                    Total Assets $         -



Your Debts
                                                             4% ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ###


         Type of Debt                 Amount   Percent                        Bar Chart of Debts
Mortgage Debt                    $         -    #DIV/0!      ####################
Credit Cards                     $         -    #DIV/0!      ####################
Student Loans                    $         -    #DIV/0!      ####################
Auto Loans                       $         -    #DIV/0!      ####################
Other Debt                       $         -    #DIV/0!      ####################
Income Taxes Due                 $         -    #DIV/0!      ####################
                                                              Bar charts do not register amounts below 5%.
                       Total Debt $        -
                                   Assessment Summary
                   Net Worth

  Your Assets                           $    -
  Your Debt                                  -
  Your Net Worth                        $    -


                Profit and Loss

  Your Income                           $    -
  Your Spending                              -
  Profit/Loss                           $    -


   If this amount is a positive number it is the
   amount available for debt reduction and savings
   objectives. Your goal should always be to
   increase this amount. If this amount is a
   negative number it means that you are spending
   more than you make. You must immediately
   consider how you are going to reduce spending
   and/or increase income.


   To the right are links to worksheets that will help
   you evaluate ideas for increasing income and
   decreasing spending.

Print this report as a permanent record of where you started.
        Income Planner                                                              Joe and Mary Blow
     You must enter a rating for each criteria. The range can
     be 1 to 5 or 1 to 10 but the same range must be applied to




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                                                                                                                                                                                               Green = Good
           Weight: How important is this criteria to you. Assign a number 1 to 5>                                                            # # # # # # # # # # # # # # # # # # # #           Orange = OK
                                                                                                                                                                                               Red = Not So Hot
                                                          Rest pointer for help>    ?   ?   ?   ?   ?   ?     ?      ?   ?   ?   ?   ?   ?       Long Bar Graph = Good                   0
                                        Ideas                                                               Rating                                      Bar Graph                      Score   Score %
 1 Deliver Pizza   (delete and enter your ideas here and below)                                                                                                                          0     #DIV/0!
 2 Work Extra Hours                                                                                                                                                                      0     #DIV/0!
 3 Sell Amway                                                                                                                                                                            0     #DIV/0!
 4 Start a Home Based Business                                                                                                                                                           0     #DIV/0!
 5                                                                                                                                                                                       0     #DIV/0!
 6                                                                                                                                                                                       0     #DIV/0!
 7                                                                                                                                                                                       0     #DIV/0!
 8                                                                                                                                                                                       0     #DIV/0!
 9                                                                                                                                                                                       0     #DIV/0!
10                                                                                                                                                                                       0     #DIV/0!
11                                                                                                                                                                                       0     #DIV/0!
12                                                                                                                                                                                       0     #DIV/0!
13                                                                                                                                                                                       0     #DIV/0!
14                                                                                                                                                                                       0     #DIV/0!
15                                                                                                                                                                                       0     #DIV/0!
16                                                                                                                                                                                       0     #DIV/0!
17                                                                                                                                                                                       0     #DIV/0!
18                                                                                                                                                                                       0     #DIV/0!
19                                                                                                                                                                                       0     #DIV/0!
20                                                                                                                                                                                       0     #DIV/0!
21                                                                                                                                                                                       0     #DIV/0!
22                                                                                                                                                                                       0     #DIV/0!
23                                                                                                                                                                                       0     #DIV/0!
24                                                                                                                                                                                       0     #DIV/0!
25                                                                                                                                                                                       0     #DIV/0!
26                                                                                                                                                                                       0     #DIV/0!
27                                                                                                                                                                                       0     #DIV/0!
28                                                                                                                                                                                       0     #DIV/0!
29                                                                                                                                                                                       0     #DIV/0!
30                                                                                                                                                                                       0     #DIV/0!
31                                                                                                                                                                                       0     #DIV/0!
32                                                                                                                                                                                       0     #DIV/0!
33                                                                                                                                                                                       0     #DIV/0!
34                                                                                                                                                                                       0     #DIV/0!
35                                                                                                                                                                                       0     #DIV/0!
36                                                                                                                                                                                       0     #DIV/0!
                                       Spending Reduction Calculator                    Joe and Mary Blow
The worksheet below will help you examine each of your spending categories for ways to save money. Your benchmark spending amounts are the
amounts entered in the Assessment. These amounts are compared to how much you can save if you successfully implement the sav ings ideas you
develop here. Enter your plan for saving money on as many categories as possible, then enter either a percent or dollar amount of savings. Do not enter
 Here
both. is a few words

                                                                                                                                        Saving Goal
      Spending Category         Benchmark Spending      Revised Spending                        Spending Reduction Plan             %        Amount
                                      Your beginning                           Enter your plan for saving on              Enter a percent or amount to
                                     monthly spending   Your spending after    this spending category.
                                     from assessment.
                                                                                                                          be saved but not both.
                                                         savings is applied.

Housing
 Mortgage                        $                  -   $                -
 Equity Loan                     $                  -   $                -
 Rent                            $                  -   $                -
 Repairs                         $                  -   $                -
 HOA Fees                        $                  -   $                -
 Property Taxes                  $                  -   $                -
 Home/Renter's Insurance         $                  -   $                -
 Home Improvement                $                  -   $                -
 Furniture                       $                  -   $                -
 Other                           $                  -   $                -
 Other                           $                  -   $                -
 Other                           $                  -   $                -
Utilities
 Natural Gas                     $                  -   $                -
 Oil                             $                  -   $                -
 Electricity                     $                  -   $                -
 Water/Sewer                     $                  -   $                -
 Trash                           $                  -   $                -
 Telephone                       $                  -   $                -
 Cell Phone                      $                  -   $                -
 Cable TV                        $                  -   $                -
                           -     $                  -   $                -
Food
 Groceries                       $                  -   $                -
 Eating Out                      $                  -   $                -
                           -     $                  -   $                -
                           -     $                  -   $                -
                           -     $                  -   $                -
Transportation
 Auto Payments                   $                  -   $                -
 Gas/Oil                         $                  -   $                -
 Car Repairs                     $                  -   $                -
 Auto Insurance                  $                  -   $                -
 License/Taxes                   $                  -   $                -
 Auto Replacement                $                  -   $                -
                           -     $                  -   $                -
                           -     $                  -   $                -
Clothing
Adult Clothing                   $                  -   $                -
Children Clothing                $                  -   $                -
                           -     $                  -   $                -
Medical/Health
Health Insurance                 $                  -   $                -
Disability Insurance             $                  -   $                -
Doctor Bills                     $                  -   $                -
Dentists                         $                  -   $                -
Optometrist                      $                  -   $                -
Medicine                         $                  -   $                -
                           -     $                  -   $                -
                           -     $                  -   $                -
Personal
 Life Insurance                  $                  -   $                -
 Child Care                      $                  -   $                -
 Baby Sitter                     $                  -   $                -
 Hair Care                       $                  -   $                -
 Education                       $                  -   $                -
 Child Support                   $                  -   $                -
                                                                                                                           Saving Goal
      Spending Category          Benchmark Spending    Revised Spending                      Spending Reduction Plan   %        Amount
Alimony                          $              -      $            -       Enter your plan for saving on
Subscription Dues                $              -      $            -
Gifts                            $              -      $            -
Spending Money                   $              -      $            -
                           -     $              -      $            -
                           -     $              -      $            -
Debt
 Credit Card Payments            $              -      $            -
 Student Loan Payments           $              -      $            -
 Credit Card Fees and Interest   $              -      $            -
 Other                           $              -      $            -
                           -     $              -      $            -
Recreation
 Entertainment                   $              -      $            -
 Movies                          $              -      $            -
 Video Rental                    $              -      $            -
 Parties                         $              -      $            -
                           -     $              -      $            -
                           -     $              -      $            -
                           -     $              -      $            -
                           -     $              -      $            -
Charitable Giving                $              -      $            -
 Other                           $              -      $            -

          Total Current Budget $               -       $            -       <Total Revised Budget



                                       Total Savings   $                -
Personal Finance Fundamentals

1. Spend Less Than You Make...
Everything you wish to accomplish in life requires that you spend less than you make. In business this is called profit. I n
personal finance it's called getting ahead. Businesses are always looking for ways to reduce overhead costs in a manner tha t
will not adversely effect their product or service. Businesses are always looking for ways to increase revenues with minimu m
impact on resources. We suggest that you do both as well. Successful people are always looking for ways to increase
personal income through improving their job skills, career advancement, career change, second jobs or even entrepreneurial
pursuits. Reducing spending is called frugality and doing it in a way that does not greatly compromise lifestyle is called
"Creative Frugality." Sometimes lifestyle must be compromised to accomplish certain goals.

2. Use a Budget...
The time tested and proven method for controlling spending is a budget. Some people call it a cash flow plan because
budgeting sounds difficult. Budgeting is making a plan for what you are going to do with your money, your income. The
second part of budgeting is tracking your spending to make sure you are in compliance with the plan. Before computers this
was indeed difficult. Now it is a piece of cake. The computer does all the calculating and tells you exactly how you are d oing.

3. Get Organized and Keep Good Records...
You are not in control if your financial documents and records are not organized in a central place where you can easily find
them. You are not in control if you are not tracking your daily transactions and account balances. We all know the
consequences of letting a bank account become overdrawn. Outrageous overdraft charges occur with each transaction and
by the time you discover the problem you feel like calling the Red Cross disaster team. Fortunately keeping good records is
real easy. It just takes a little organization! Get all your documents together: insurance, bank, investment, debt, retir ement
and other financial documents. Make file folders and file them in a manner that makes sense to you. A good budgeting
system will allow you to maintain account balances as you record your daily budgeting transactions. Here's the deal: Take a
couple of hours to get your documents in order and invest five minutes a day to record your transactions. You will not only be
taking control of your money but you will feel in control as well.

4. Get Out of Debt...
If you have excessive credit card and or other consumer debt you are being eaten alive! If you are only making minimum
payments you may never get out of debt. If you are continuing to incur new debt you are out of control. With an aggressiv e
debt reduction plan you can get out of debt and probably more quickly than you think.

You should know that most personal finance experts like Dave Ramsey are emphatic about having you cut up your credit
cards and make purchases using cash or debit cards. Debit cards are accepted by most merchants and are as easy to use as
credit cards. If you're serious about taking control of your money put the scissors to your credit cards.

5. Have an Emergency Fund...
OK, so you are budgeting, being frugal, and paying down your debt when suddenly the brakes go out on your car. Now to fix
the brakes your whole plan derails. This is why financial expert, Dave Ramsey, suggests that your first financial objective
should be a $1,000 emergency fund. The intent of an emergency fund is to keep you on track when thing fail, like your
brakes. It's obvious that $1,000 doesn't cover a very large emergency. However it is so important to your finances that you
eliminate the high interest credit card debt, that Mr. Ramsey would have you postpone fully funding the emergency fund until
you have those debts paid. After your consumer debts are eliminated then you should enlarge your emergency fund to three
to six months of living expense.

6. Protect Assets...
By this we mean having adequate insurance so that one of life's perils doesn't wipe you out and take all the assets you have
acquired or worse yet, destroy your ability to ever own assets. Consider a lawsuit so large that it not only takes everythin g you
have but also everything you will ever make. The dilemma with insurance is: balancing the amount you need with what you
can afford, and where does it belong in your financial priorities. Unfortunately we only have room for a couple more
sentences. The point is: you need insurance and it needs to be acquired early in your plan. You should educate yourself
about types and amounts of insurance needed. A competent, reliable insurance professional is one source of help but keep in
mind that they make their living selling insurance.

The types of insurance you should plan for and purchase are:

Auto Insurance
Homeowner's Insurance
Health Insurance
Disability Insurance
Life Insurance.
Umbrella Liability Insurance

7. Save For Retirement...
You must invest in your retirement starting now if you want to spend your senior years in dignity. You should utilize tax
advantaged accounts such as 401Ks and Roth IRAs. Take advantage of employer match programs. Where else can you get
an instant 100% return on your money. The amount you should contribute is 15% of your household gross income. Do not
include employer match or social security in your 15% calculation. Retirement should come before other worthwhile savings
objectives. Do not feel guilty for funding your retirement ahead of your children's college education. You have a
responsibility to care for yourself when you get old. You are not doing your kids a favor if you neglect your retirement. Stay
educated about retirement investing.

8. Other Savings Objectives...
Once you have your 15% retirement contribution in place you may fund other savings objectives like children's college and
paying off your mortgage. Can you imagine the boost to your investment program if you didn't have a mortgage payment?




      Now lets organize these fundamentals into a prioritized action plan.
           1. Perform an initial assessment of your personal finances (our Step 2).
           2. Write your own action plan for taking control of your money (our step 5).
           3. Follow your plan to increase income and decrease spending.
           4. Develop and follow a budget.
           5. Get your personal finance records in order.
           6. Establish a beginning emergency fund of at least $1,000.
           7. Establish and follow a plan for paying off all credit card and other consumer debt.
           8. Protect your assets (consult with professionals).
           9. Complete your emergency fund to three to six month living expense.
           10. Establish and follow a retirement plan (15% of gross income).
           11. Consider paying off mortgage.



           In Step 5 we help you write your personalized Action Plan.


     Financial Priorities
        We just reviewed a financial action plan. Listed below are four financial objectives from that plan
        and the order they should be accomplished for you to take control of your finances.



           1. Put at least $1000 in a starter Emergency Fund.


           2. Eliminate all consumer debt (credit cards, auto loans, student loans, etc.).


           3. Complete Emergency Fund to 3 to 6 months of living expense.


           4. Start saving for retirement at a rate of at least 15% of your gross monthly income.


  When you accomplished these four financial objectives you will be well positioned to start building wealth.
  In Step 4 we calculate "How Much And How Long" for each of these financial objectives.

Disclaimer - You should consult a competent personal finance professional before making any significant
financial decisions.

Thousands of books have been written about how to manage your money. We covered the subject in a few
paragraphs. We are either
                                                                                                                                               Page 22 of 60
                                                                   My Action Plan

                                                                         Joe and Mary Blow
Increaseboxes belowImprovingsecond job, getand projected future incomes based on revenue streams.
 In the text Income Going backyour strategy career.
               below to indicatejob college, new raise, getting certified in
                           enter to current a for increasing income
Use the tableThings like: Getting ayourskills toworking over time, selling stuff...or developing new the strategies you listed above. Be sure to enter the pr
   1. Perform an initial assessment of my personal finances (our Step 1).
         Write what you intend to do and enter a start and completion date.


                                         Completed                                                                                Start Date
                                                                                                                   Estimated Completion Date

   2. Develop an action plan for taking control of my money (what I'm are doing now).
         Write what you intend to do and enter a start and completion date.


                                         Completed                                                                                Start Date
                                                                                                                   Estimated Completion Date

   3. Follow my plan to increase income and decrease spending.
     Increase Income
             Near Future
               Things like getting a second job, working over time, selling stuff...
               Things like: Getting a second job, working over time, selling stuff...




                                         Completed                                                                                Start Date
                                                                                                                   Estimated Completion Date
               Mid Range
               Things like improving job skills to get a raise, getting certified in vocation, starting a small business on the side.
               Things like: Getting a second job, working over time, selling stuff...




                                         Completed                                                                                Start Date
                                                                                                                   Estimated Completion Date
               Long Range
               Things like going back to college, a new career.
               Things like: Getting a second job, working over time, selling stuff...




                                         Completed                                                                                Start Date
                                                                                                                   Estimated Completion Date
     Decrease Spending
               Our Spending Reduction Calculator can help you create a plan for reducing your spending.




                                         Completed                                                                                Start Date
                                                                                                                   Estimated Completion Date
                                                                                                                                           Page 23 of 60
                                                                      Joe and Mary Blow
Increaseboxes belowImprovingsecond job, getand projected future incomes based on revenue streams.
 In4. Develop and followbackyour strategy career.
   the text Income Going a budget. new raise, getting certified in
              below to indicatejob college, a for increasing income
                           enter to current
Use the tableThings like: Getting ayourskills toworking over time, selling stuff...or developing new the strategies you listed above. Be sure to enter the pr
         Write what you intend to do and enter a start and completion date.


                                        Completed                                                                           Start Date
                                                                                                             Estimated Completion Date

   5. Get my personal finance records in order.
         Write what you intend to do and enter a start and completion date.




                                        Completed                                                                           Start Date
                                                                                                             Estimated Completion Date

   6. Establish a beginning emergency fund of at least $1,000.
         Write what you intend to do and enter a start and completion date.


                                        Completed                                                                           Start Date
                                                                                                             Estimated Completion Date

   7. Establish and follow a plan for paying off all credit card and other consumer debt.
         Write what you intend to do and enter a start and completion date.


                                        Completed                                                                           Start Date
                                                                                                             Estimated Completion Date

   8. Protect my assets (consult with professionals).
         Write your plan for protecting assets and note what you have done, or will do, in regards to each of the insurance types below.




                                        Completed                                                                           Start Date
                                                                                                             Estimated Completion Date
                                                                                                                                             Action Date
               Auto Insurance
               Homeowner's Insurance
               Health Insurance
               Disability Insurance
               Life Insurance
               Umbrella Insurance


   9. Complete my emergency fund to three to six month living expense.
         Write what you intend to do and enter a start and completion date.


                                        Completed                                                                           Start Date
                                                                                                             Estimated Completion Date
                                                                                                                          Page 24 of 60
                                                                    Joe and Mary Blow
Increaseboxes belowImprovingsecond job, getand projected of stuff... income). on revenue streams.
 In10. text Income follow ayour strategy career. (15% future incomes based
   the Establish like: Going back to college, new raise, getting certified in
              below to indicatejob current a for increasing income
Use the tableThingsand Getting ayourskills toworking over time, sellinggrossor developing new the strategies you listed above. Be sure to enter the pr
                        enter      retirement plan
        Write what you intend to do and enter a start and completion date.


                                      Completed                                                             Start Date
                                                                                             Estimated Completion Date

  11. Consider paying off mortgage.
        Write what you intend to do and enter a start and completion date.


                                      Completed                                                             Start Date
                                                                                             Estimated Completion Date


  Additional Comments:
                                                                         How Much - How Long
   How much money and how long will it take to reach your financial objectives?

In the previous section we outlined four financial objectives in the order you should accomplish them to take control of your personal finances. The calculators in this
worksheet will provide an estimate of how long it will take to attain these financial goals based on the amount of monthly "Getting Ahead" money you are able to apply.




                                1.   Put at least $1000 in a starter Emergency Fund.
                                2.   Eliminate all consumer debt (credit cards, auto loans, student loans, etc.).
                                3.   Complete Emergency Fund to 3 to 6 months of living expense.
                                4.   Start saving for retirement at a rate of at least 15% of your gross monthly income.

                                                            Calculators For Financial Objectives                                    Joe and Mary Blow

  1. Put at least $1000 in a starter Emergency Fund.
                                                                 Starter Emergency Fund Calculator
                What is your goal for your starter Emergency Fund?                     $           1,000.00

                Do you have a lump sum of money you can apply to this objective? If so how much?

                How much "Getting Ahead" money can you apply to this objective each month?




                              It will take you about #DIV/0!             months to complete your Emergency Fund.


2. Eliminate all consumer debt.
                                                                       Debt Prepayment Calculator
      After completing your Starter Emergency Fund, your second financial objective is to eliminate all consumer debt (credit cards , vehicle loans, college loans,
      etc.). This objective does not include mortgage debt . This calculator will show you how much time and money you could s ave by paying off your debts using
      the "rollover" method. Using the rollover method, as each smaller debt is paid off, the freed -up payment amount is then applied to the next larger debt, and
      so on until all debts are paid off. As you are about to see, the rollover method can save you a ton of money in interest c harges, and eliminate your debt in a
      short period of time.

      Follow the instructions below to calculate your debt repayment plan.          Calculator comes with sample data. Delete and enter your data.



                                             Current        Interest      Current                Instructions:
                         Debt Name           Balance          Rate        Payment
            1   Visa                             987.45          9.24%         25.00             1. Enter current loan information starting with smallest amount
            2   Target                          1,003.00         9.24%         26.00             owed to largest amount owed (from your latest statements).
            3   Master Card                     3,200.00        15.00%         83.20             This is the Dave Ramsey "snowball Method. Another method
            4   Ford Credit                    15,890.00         8.00%        322.19             is to enter loans with the highest interest rate first. Many financial
            5   Student Loan                   34,000.00         6.00%        341.67             planners feel it is better to pay off loans with highest interest rates
            6                                                                                    first to save the most money. Ramsey prefers the motivational
            7                                                                                    edge provided by paying off low balance loans quickly.
            8
            9                                                                                    3. Review the summary and schedules to see how long it will
           10                                                                                    take to pay off your debt and how much you will pay.
           11
           12                                                                                    4. Enter (below) the amount of "Getting Ahead" money you can
           13                                                                                    apply as an extra monthly payment.
           14
           15                                                                                            Extra Monthly Payment $                     300.00
           16
           17                                                                                    5. Now, examine the summary comparison of the two payment
           18                                                                                    plans and review the amortization and payment schedules.
           19
           20                                                                                                                 New Monthly Payment
                                               Total Current Payments         798.06                                          Current Payment   798.06
                                                                                                                            Additional Payment $ 300.00
                                                                                                                         Total Monthly Payment 1,098.06

                                                           Loan Prepayment Summary
                                              Current Payment Plan         Extra Payment Plan
                                           Interest       Number           Interest       Number                  Interest       Months
                         Debt Name           Paid        of Months           Paid        of Months                 Saved         Saved
           1    Visa                           194.37           47.00           15.67         3.00                    178.69         44.00
            2   Target                         191.70           45.00           37.11         5.00                    154.59         40.00
            3   Master Card                   1,189.69          52.00          376.10        12.00                    813.59         40.00
            4   Ford Credit                   3,441.54          59.00         2,107.12       31.00                   1,334.42        28.00
            5   Student Loan                13,149.82          137.00         6,942.28       58.00                   6,207.54        79.00
                                                                                                                                                The calculations to the left include the
            6                        -             -              -                -           -                          -            -
                                                                                                                                                following assumptions:
            7                        -             -              -                -           -                          -            -
            8                        -             -              -                -           -                          -            -
                                                                                                                                                * You do not increase debt - meaning
            9                        -             -              -                -           -                          -            -
                                                                                                                                                no new credit card charges!
           10                        -             -              -                -           -                          -            -
           11                        -             -              -                -           -                          -            -
                                                                                                                                                * You continue making your current
           12                        -             -              -                -           -                          -            -
                                                                                                                                                monthly payments to all loans even
           13                        -             -              -                -           -                          -            -
                                                                                                                                                though your minimum credit card
           14                        -             -              -                -           -                          -            -
                                                                                                                                                payments will be going down. If you
           15                        -             -              -                -           -                          -            -        reduce your monthly payment
           16                        -             -              -                -           -                          -            -        consistent with new minimum
           17                        -             -              -                -           -                          -            -        payments, the calculations will not be
           18                        -             -              -                -           -                          -            -        applicable and it will take longer to pay
           19                        -             -              -                -           -                          -            -        off your debt.
           20                        -             -              -                -           -                          -            -
                                                              137.00

                If you follow the prepayment plan shown above you will save                                                   8,688.83 in interest cost.

                You will pay off all debt in                     59 months or …                          4.92 Years.

                You will reduce the time to pay off your debts by                                         78 months or …                       6.50 Years.
        Disclaimer: This calculator is provided to illustrate the benefits of prepaying debt. Your actual results may be different from those illustrated.


3. Complete Emergency Fund to 3 to 6 months of living expense.
                                                               Emergency Fund Savings Calculator
    After eliminating your debt you will want to complete your Emergency Fund to three to Six months of living expense. The sav ings calculator below will help
    you determine how long it will take to accomplish this goal based on the amount of "Getting Ahead" money you are able to save on a monthly basis for this
    objective.



                                                                       Current Savings                                          After all debts have been paid you
                                                                      Monthly Deposit                                           should have at least                  1,098.06
                                                                         Interest Rate                                          to invest monthly in your Emergency Fund.
                                                                         Goal Amount

                                          Number of Months To Attain Goal                            1               Years            0.1




                                                                                                                                           0

4. Start saving for retirement at a rate of at least 15% of your gross monthly income.

     Lets review:              Developing your Starter emergency Fund                                             #DIV/0!       Months
                               Eliminating consumer debt                                                                 1      Months
                               Completing emergency Fund to 3 to 6 months living expense                                 1      Months
                                                                                                                  #DIV/0!       Months         or…       #DIV/0! Years

    After eliminating your debt and funding your emergency fund, it's time to focus entirely on retirement contributions. At this point you should increase your
    retirement contributions to 15% of your gross monthly income.

   Your assessment indicates current monthly income of                                   $                -

 #DIV/0!

   15% of this amount, or the amount you should contribute to your retirement fund is:                                           $                -


                                                                      Retirement Savings Calculator
  It is advisable to seek professional help when planning for retirement. The calculators below will help you do some initial planning for
  retirement. They will give you a good idea of the amount of money you will need to contribute in order to meet your retirement goals. Our first
  calculator is a Savings Calculator. Enter in this calculator information about your retirement savings plan to see what the future value of regular
  payments made to a retirement plan will net. Be sure to view the Savings Schedule after entering your data.
                      Retirement Savings Plan
              Retirement Savings Calculator                                                                       Calculated Future Value
                             Current Age                                   30                              Years until retirement                     35
                       Age at Retirement                                   65
            Present Value of Investment            $               42,000.00                          Estimated Future Value                  387,257.75
                 Expected Annual Return                                5.00%
                                Payment             $                 400.00                                      Total Invested              210,000.00
                   Frequency of Payment                               Monthly Monthly
          % To Increase Payment Each Yr                                1.00% Annually                              Total Interest             177,257.75
    Number of Years For Making Payments                                     5




                                                           Retirement Withdrawal Calculator
Now that you have calculated the Future Value of your retirement nest egg, plug this number into the Retirement Withdrawal Calculator, along
with your other retirement data to see how many years you may draw retirement. You may want to continue working with these calculators in
tandem to come up with a workable retirement plan. Be sure to view the Withdrawal Schedule.

                                                        Retirement Information

                                                                                  Enter your age                                30
                        Enter the month number for the month you were born ( i.e. January = 1)                                   2
                                                            Enter the age you would like to retire                              65
                                           What will be the amount of your retirement nest egg $                       387,258.00
               What do you expect the average rate of return to be on your retirement investment                            5.00%
                     How much will you want to withdraw for retirement income in today's dollars $                       4,000.00
                          If you want this amount to adjust with inflation enter an inflation rate (%)                      2.00%
                                                                        Enter Current Year (i.e. 2010)                        2010

                                                                                                      Calculated Results

                                              Your Retirement Withdrawals will begin in the year                               2045
                                                                                     Your age will be                               65
                                            Your first year withdraw (based on inflation) will be           $              6,800.00
                                         Number of months you will be able to draw retirement                                    64
                                                     Number of years you will draw retirement                                  5.33
                                                             Your age when retirement runs out                                      70




    Disclaimer: This calculator is provided for information purposes only. You should not make any financial decision based on these calculations.



         1.   Create starter Emergency Fund.                       Once you have completed the first four financial objectives you are well positioned to start
         2.   Eliminate all consumer debt.                         building wealth. At this point it is advisable to seek reliable, professional help regarding your
                                                                   investment decisions. One strategy you might consider at this point is prepaying your
         3.   Complete Emergency Fund.
                                                                   mortgage. The calculator below illustrates "How much and How long" it will take to prepay
         4.   Start saving for retirement.                         your mortgage.




                                                            Mortgage Prepayment Calculator
         The calculator below illustrates "How much and How long" as it applies to prepaying your home mortgage.

                                                           Current Loan Data
                                                     Current Loan Amount                  300,000.00
                                                      Annual Interest Rate                        6%
                                                Mortgage Payment (PI only)                      1800

                                                        Enter data to calculate the savings available by
                                                        making extra principal payments

                                                     Amount of Extra Payment                       100 Monthly
                                                       Frequency of Payment                     Monthly Semi-annual
                                                                                                           Annual

                                                                Calculated Comparison
                                             Without                     With Extra
                                         Extra Payments                  Payments                       Savings
                      Payments:                              360                        312                           48
            Number of Years:                       30                     26                     4
              Total Interest:             346,643.27             293,571.29             53,071.98



As you can see in working with these calculators, the more "Getting Ahead" money you can apply to your financial objectives t he faster they can
be accomplished. To get ahead financially you should always be looking for ways to increase income and decrease expense (sp ending).
Print Instructions
Each loan schedule must be individually printed. Click
on the name of the debt at the top of the desired
schedule and drag down to a couple rows below the
payoff row of the selected schedule. Click "Print
Selection." Next click "Close." A preview of the
schedule selected for printing will be displayed. If this
appears to be what you wish to print click "Print." If
not repeat the process.
Print Instructions
Each loan schedule must be individually printed. Click
on the name of the debt at the top of the desired
schedule and drag down to a couple rows below the
payoff row of the selected schedule. Click "Print
Selection." Next click "Close." A preview of the
schedule selected for printing will be displayed. If this
appears to be what you wish to print click "Print." If
not repeat the process.
Read red comment before attempting to print.
   Retirement Savings Schedule                                                       Joe and Mary Blow
                     Retirement Savings Plan                                                                   Estimated Future Value
                         Current Age               30                                                    Years until retirement                 35
                   Age at Retirement               65
        Present Value of Investment        $       42,000.00                                           Estimated Future Value            $           387,258
             Expected Annual Return              5.00%
                            Payment        $          400.00                                                       Total Invested               210,000.00
               Frequency of Payment             Monthly                                                             Total Interest              177,257.75
      % To Increase Payment Each Yr              1.00%
Number of Years For Making Payments                 5                  Enter number of years to view in the schedule. Click "Reset">     30

                          Approximate           Invested          Cumulative
    Month       Year          Age              (Payments)          Payments                Interest            Cumulative Interest            Balance
      Start                                            42,000           42,000.00                                                                    42,000.00
       1         0              30                          400             42,400                    176.67                    176.67               42,576.67
       2         0              30                          400             42,800                    179.07                    355.74               43,155.74
       3         0              30                          400             43,200                    181.48                    537.22               43,737.22
       4         0              30                          400             43,600                    183.91                    721.12               44,321.12
       5         0              30                          400             44,000                    186.34                    907.46               44,907.46
       6         0              30                          400             44,400                    188.78                  1,096.24               45,496.24
       7         0              30                          400             44,800                    191.23                  1,287.48               46,087.48
       8         0              30                          400             45,200                    193.70                  1,481.17               46,681.17
       9         0              30                          400             45,600                    196.17                  1,677.35               47,277.35
       10        0              30                          400             46,000                    198.66                  1,876.00               47,876.00
       11        0              30                          400             46,400                    201.15                  2,077.15               48,477.15
       12        1              31                          400             46,800                    203.65                  2,280.81               49,080.81
       13        1              31                          404             47,204                    206.19                  2,486.99               49,690.99
       14        1              31                          404             47,608                    208.73                  2,695.72               50,303.72
       15        1              31                          404             48,012                    211.28                  2,907.00               50,919.00
       16        1              31                          404             48,416                    213.85                  3,120.85               51,536.85
       17        1              31                          404             48,820                    216.42                  3,337.27               52,157.27
       18        1              31                          404             49,224                    219.01                  3,556.28               52,780.28
       19        1              31                          404             49,628                    221.60                  3,777.88               53,405.88
       20        1              31                          404             50,032                    224.21                  4,002.09               54,034.09
       21        1              31                          404             50,436                    226.83                  4,228.91               54,664.91
       22        1              31                          404             50,840                    229.45                  4,458.36               55,298.36
       23        1              31                          404             51,244                    232.09                  4,690.46               55,934.46
       24        2              32                          404             51,648                    234.74                  4,925.20               56,573.20
       25        2              32                          408             52,056                    237.42                  5,162.62               57,218.62
       26        2              32                          412             52,468                    240.13                  5,402.75               57,870.75
       27        2              32                          412             52,880                    242.84                  5,645.59               58,525.59
       28        2              32                          412             53,292                    245.57                  5,891.17               59,183.17
       29        2              32                          412             53,704                    248.31                  6,139.48               59,843.48
       30        2              32                          412             54,116                    251.06                  6,390.55               60,506.55
       31        2              32                          412             54,528                    253.83                  6,644.37               61,172.37
       32        2              32                          412             54,940                    256.60                  6,900.97               61,840.97
       33        2              32                          412             55,352                    259.39                  7,160.36               62,512.36
       34        2              32                          412             55,764                    262.18                  7,422.55               63,186.55
       35        2              32                          412             56,176                    264.99                  7,687.54               63,863.54
       36        3              33                          412             56,588                    267.81                  7,955.36               64,543.36
       37        3              33                          412             57,000                    270.65                  8,226.00               65,226.00
       38        3              33                          416             57,416                    273.51                  8,499.51               65,915.55
       39        3              33                          420             57,836                    276.40                  8,775.91               66,611.99
       40        3              33                          420             58,256                    279.30                  9,055.21               67,311.33
       41        3              33                          420             58,676                    282.21                  9,337.42               68,013.58
       42        3              33                          420             59,096                    285.14                  9,622.56               68,718.76
       43        3              33                          420             59,516                    288.08                  9,910.64               69,426.88
       44        3              33                          420             59,936                    291.03                 10,201.67               70,137.95
       45        3              33                          420             60,356                    293.99                 10,495.66               70,851.98
       46        3              33                          420             60,776                    296.97                 10,792.63               71,568.99
       47        3              33                          420             61,196                    299.95                 11,092.58               72,288.98
       48        4              34                          420             61,616                    302.95                 11,395.54               73,011.98
       49        4              34                          420             62,036                    305.97                 11,701.51               73,737.99
       50        4              34                          420             62,457                    308.99                 12,010.50               74,467.02
       51        4              34                          424             62,881                    312.05                 12,322.54               75,203.22
       52        4              34                          428             63,309                    315.13                 12,637.67               75,946.51
       53        4              34                          428             63,737                    318.23                 12,955.90               76,692.90
       54        4              34                          428             64,165                    321.34                 13,277.24               77,442.40
       55        4              34                          428             64,593                    324.46                 13,601.70               78,195.02
       56        4              34                          428             65,021                    327.60                 13,929.30               78,950.78
       57        4              34                          428             65,450                    330.75                 14,260.04               79,709.68


                                                                   Page 32 of 60
               Approximate    Invested          Cumulative
Month   Year       Age       (Payments)          Payments         Interest            Cumulative Interest    Balance
 58      4         34                     428            65,878              333.91              14,593.95        80,471.75
 59      4         34                     428            66,306              337.08              14,931.03        81,236.99
 60      5         35                     428            66,734              340.27              15,271.30        82,005.42
 61      5         35                     428            67,162              343.47              15,614.78        82,777.06
 62      5         35                     428            67,590              346.69              15,961.47        83,551.91
 63      5         35                     428            68,019              349.92              16,311.38        84,329.98
 64      5         35                     432            68,451              353.18              16,664.56        85,115.52
 65      5         35                     436            68,887              356.47              17,021.03        85,908.35
 66      5         35                     436            69,324              359.77              17,380.80        86,704.48
 67      5         35                     436            69,760              363.09              17,743.88        87,503.92
 68      5         35                     436            70,196              366.42              18,110.30        88,306.70
 69      5         35                     436            70,633              369.76              18,480.06        89,112.83
 70      5         35                     436            71,069              373.12              18,853.18        89,922.31
 71      5         35                     436            71,505              376.49              19,229.68        90,735.16
 72      6         36                       0            71,505              378.06              19,607.74        91,113.23
 73      6         36                       0            71,505              379.64              19,987.38        91,492.86
 74      6         36                       0            71,505              381.22              20,368.60        91,874.08
 75      6         36                       0            71,505              382.81              20,751.41        92,256.89
 76      6         36                       0            71,505              384.40              21,135.81        92,641.30
 77      6         36                       0            71,505              386.01              21,521.82        93,027.30
 78      6         36                       0            71,505              387.61              21,909.43        93,414.92
 79      6         36                       0            71,505              389.23              22,298.66        93,804.14
 80      6         36                       0            71,505              390.85              22,689.51        94,195.00
 81      6         36                       0            71,505              392.48              23,081.99        94,587.47
 82      6         36                       0            71,505              394.11              23,476.11        94,981.59
 83      6         36                       0            71,505              395.76              23,871.86        95,377.35
 84      7         37                       0            71,505              397.41              24,269.27        95,774.75
 85      7         37                       0            71,505              399.06              24,668.33        96,173.81
 86      7         37                       0            71,505              400.72              25,069.05        96,574.54
 87      7         37                       0            71,505              402.39              25,471.45        96,976.93
 88      7         37                       0            71,505              404.07              25,875.52        97,381.00
 89      7         37                       0            71,505              405.75              26,281.27        97,786.76
 90      7         37                       0            71,505              407.44              26,688.72        98,194.20
 91      7         37                       0            71,505              409.14              27,097.86        98,603.34
 92      7         37                       0            71,505              410.85              27,508.71        99,014.19
 93      7         37                       0            71,505              412.56              27,921.27        99,426.75
 94      7         37                       0            71,505              414.28              28,335.54        99,841.03
 95      7         37                       0            71,505              416.00              28,751.55       100,257.03
 96      8         38                       0            71,505              417.74              29,169.29       100,674.77
 97      8         38                       0            71,505              419.48              29,588.76       101,094.25
 98      8         38                       0            71,505              421.23              30,009.99       101,515.47
 99      8         38                       0            71,505              422.98              30,432.97       101,938.45
 100     8         38                       0            71,505              424.74              30,857.71       102,363.20
 101     8         38                       0            71,505              426.51              31,284.23       102,789.71
 102     8         38                       0            71,505              428.29              31,712.52       103,218.00
 103     8         38                       0            71,505              430.08              32,142.59       103,648.08
 104     8         38                       0            71,505              431.87              32,574.46       104,079.94
 105     8         38                       0            71,505              433.67              33,008.13       104,513.61
 106     8         38                       0            71,505              435.47              33,443.60       104,949.08
 107     8         38                       0            71,505              437.29              33,880.89       105,386.37
 108     9         39                       0            71,505              439.11              34,320.00       105,825.48
 109     9         39                       0            71,505              440.94              34,760.94       106,266.42
 110     9         39                       0            71,505              442.78              35,203.71       106,709.20
 111     9         39                       0            71,505              444.62              35,648.34       107,153.82
 112     9         39                       0            71,505              446.47              36,094.81       107,600.29
 113     9         39                       0            71,505              448.33              36,543.14       108,048.63
 114     9         39                       0            71,505              450.20              36,993.35       108,498.83
 115     9         39                       0            71,505              452.08              37,445.43       108,950.91
 116     9         39                       0            71,505              453.96              37,899.39       109,404.87
 117     9         39                       0            71,505              455.85              38,355.24       109,860.72
 118     9         39                       0            71,505              457.75              38,812.99       110,318.48
 119     9         39                       0            71,505              459.66              39,272.65       110,778.14
 120     10        40                       0            71,505              461.58              39,734.23       111,239.71
 121     10        40                       0            71,505              463.50              40,197.73       111,703.21
 122     10        40                       0            71,505              465.43              40,663.16       112,168.64
 123     10        40                       0            71,505              467.37              41,130.53       112,636.01
 124     10        40                       0            71,505              469.32              41,599.85       113,105.33
 125     10        40                       0            71,505              471.27              42,071.12       113,576.60
 126     10        40                       0            71,505              473.24              42,544.35       114,049.84
 127     10        40                       0            71,505              475.21              43,019.56       114,525.04
 128     10        40                       0            71,505              477.19              43,496.75       115,002.23
 129     10        40                       0            71,505              479.18              43,975.92       115,481.41


                                                 Page 33 of 60
               Approximate    Invested        Cumulative
Month   Year       Age       (Payments)        Payments         Interest            Cumulative Interest    Balance
 130     10        40                     0            71,505              481.17              44,457.10       115,962.58
 131     10        40                     0            71,505              483.18              44,940.27       116,445.76
 132     11        41                     0            71,505              485.19              45,425.47       116,930.95
 133     11        41                     0            71,505              487.21              45,912.68       117,418.16
 134     11        41                     0            71,505              489.24              46,401.92       117,907.40
 135     11        41                     0            71,505              491.28              46,893.20       118,398.68
 136     11        41                     0            71,505              493.33              47,386.53       118,892.01
 137     11        41                     0            71,505              495.38              47,881.91       119,387.40
 138     11        41                     0            71,505              497.45              48,379.36       119,884.84
 139     11        41                     0            71,505              499.52              48,878.88       120,384.36
 140     11        41                     0            71,505              501.60              49,380.48       120,885.96
 141     11        41                     0            71,505              503.69              49,884.17       121,389.66
 142     11        41                     0            71,505              505.79              50,389.96       121,895.45
 143     11        41                     0            71,505              507.90              50,897.86       122,403.34
 144     12        42                     0            71,505              510.01              51,407.87       122,913.36
 145     12        42                     0            71,505              512.14              51,920.01       123,425.50
 146     12        42                     0            71,505              514.27              52,434.29       123,939.77
 147     12        42                     0            71,505              516.42              52,950.70       124,456.19
 148     12        42                     0            71,505              518.57              53,469.27       124,974.75
 149     12        42                     0            71,505              520.73              53,990.00       125,495.48
 150     12        42                     0            71,505              522.90              54,512.90       126,018.38
 151     12        42                     0            71,505              525.08              55,037.97       126,543.46
 152     12        42                     0            71,505              527.26              55,565.24       127,070.72
 153     12        42                     0            71,505              529.46              56,094.70       127,600.18
 154     12        42                     0            71,505              531.67              56,626.37       128,131.85
 155     12        42                     0            71,505              533.88              57,160.25       128,665.73
 156     13        43                     0            71,505              536.11              57,696.36       129,201.84
 157     13        43                     0            71,505              538.34              58,234.70       129,740.18
 158     13        43                     0            71,505              540.58              58,775.28       130,280.76
 159     13        43                     0            71,505              542.84              59,318.12       130,823.60
 160     13        43                     0            71,505              545.10              59,863.22       131,368.70
 161     13        43                     0            71,505              547.37              60,410.58       131,916.07
 162     13        43                     0            71,505              549.65              60,960.23       132,465.72
 163     13        43                     0            71,505              551.94              61,512.18       133,017.66
 164     13        43                     0            71,505              554.24              62,066.42       133,571.90
 165     13        43                     0            71,505              556.55              62,622.97       134,128.45
 166     13        43                     0            71,505              558.87              63,181.83       134,687.32
 167     13        43                     0            71,505              561.20              63,743.03       135,248.51
 168     14        44                     0            71,505              563.54              64,306.57       135,812.05
 169     14        44                     0            71,505              565.88              64,872.45       136,377.93
 170     14        44                     0            71,505              568.24              65,440.69       136,946.17
 171     14        44                     0            71,505              570.61              66,011.30       137,516.78
 172     14        44                     0            71,505              572.99              66,584.29       138,089.77
 173     14        44                     0            71,505              575.37              67,159.66       138,665.14
 174     14        44                     0            71,505              577.77              67,737.43       139,242.92
 175     14        44                     0            71,505              580.18              68,317.61       139,823.09
 176     14        44                     0            71,505              582.60              68,900.21       140,405.69
 177     14        44                     0            71,505              585.02              69,485.23       140,990.71
 178     14        44                     0            71,505              587.46              70,072.69       141,578.18
 179     14        44                     0            71,505              589.91              70,662.60       142,168.08
 180     15        45                     0            71,505              592.37              71,254.97       142,760.45
 181     15        45                     0            71,505              594.84              71,849.80       143,355.29
 182     15        45                     0            71,505              597.31              72,447.12       143,952.60
 183     15        45                     0            71,505              599.80              73,046.92       144,552.40
 184     15        45                     0            71,505              602.30              73,649.22       145,154.70
 185     15        45                     0            71,505              604.81              74,254.03       145,759.52
 186     15        45                     0            71,505              607.33              74,861.36       146,366.85
 187     15        45                     0            71,505              609.86              75,471.23       146,976.71
 188     15        45                     0            71,505              612.40              76,083.63       147,589.11
 189     15        45                     0            71,505              614.95              76,698.58       148,204.07
 190     15        45                     0            71,505              617.52              77,316.10       148,821.58
 191     15        45                     0            71,505              620.09              77,936.19       149,441.67
 192     16        46                     0            71,505              622.67              78,558.86       150,064.35
 193     16        46                     0            71,505              625.27              79,184.13       150,689.62
 194     16        46                     0            71,505              627.87              79,812.01       151,317.49
 195     16        46                     0            71,505              630.49              80,442.50       151,947.98
 196     16        46                     0            71,505              633.12              81,075.61       152,581.10
 197     16        46                     0            71,505              635.75              81,711.37       153,216.85
 198     16        46                     0            71,505              638.40              82,349.77       153,855.25
 199     16        46                     0            71,505              641.06              82,990.83       154,496.32
 200     16        46                     0            71,505              643.73              83,634.57       155,140.05
 201     16        46                     0            71,505              646.42              84,280.99       155,786.47


                                               Page 34 of 60
               Approximate    Invested        Cumulative
Month   Year       Age       (Payments)        Payments         Interest            Cumulative Interest    Balance
 202     16        46                     0            71,505              649.11              84,930.10       156,435.58
 203     16        46                     0            71,505              651.81              85,581.91       157,087.39
 204     17        47                     0            71,505              654.53              86,236.44       157,741.92
 205     17        47                     0            71,505              657.26              86,893.70       158,399.18
 206     17        47                     0            71,505              660.00              87,553.70       159,059.18
 207     17        47                     0            71,505              662.75              88,216.44       159,721.93
 208     17        47                     0            71,505              665.51              88,881.95       160,387.43
 209     17        47                     0            71,505              668.28              89,550.23       161,055.71
 210     17        47                     0            71,505              671.07              90,221.30       161,726.78
 211     17        47                     0            71,505              673.86              90,895.16       162,400.64
 212     17        47                     0            71,505              676.67              91,571.83       163,077.31
 213     17        47                     0            71,505              679.49              92,251.32       163,756.80
 214     17        47                     0            71,505              682.32              92,933.64       164,439.12
 215     17        47                     0            71,505              685.16              93,618.80       165,124.28
 216     18        48                     0            71,505              688.02              94,306.82       165,812.30
 217     18        48                     0            71,505              690.88              94,997.70       166,503.19
 218     18        48                     0            71,505              693.76              95,691.47       167,196.95
 219     18        48                     0            71,505              696.65              96,388.12       167,893.60
 220     18        48                     0            71,505              699.56              97,087.68       168,593.16
 221     18        48                     0            71,505              702.47              97,790.15       169,295.63
 222     18        48                     0            71,505              705.40              98,495.55       170,001.03
 223     18        48                     0            71,505              708.34              99,203.88       170,709.37
 224     18        48                     0            71,505              711.29              99,915.17       171,420.66
 225     18        48                     0            71,505              714.25             100,629.43       172,134.91
 226     18        48                     0            71,505              717.23             101,346.65       172,852.14
 227     18        48                     0            71,505              720.22             102,066.87       173,572.35
 228     19        49                     0            71,505              723.22             102,790.09       174,295.57
 229     19        49                     0            71,505              726.23             103,516.32       175,021.80
 230     19        49                     0            71,505              729.26             104,245.58       175,751.06
 231     19        49                     0            71,505              732.30             104,977.87       176,483.36
 232     19        49                     0            71,505              735.35             105,713.22       177,218.71
 233     19        49                     0            71,505              738.41             106,451.63       177,957.12
 234     19        49                     0            71,505              741.49             107,193.12       178,698.60
 235     19        49                     0            71,505              744.58             107,937.70       179,443.18
 236     19        49                     0            71,505              747.68             108,685.38       180,190.86
 237     19        49                     0            71,505              750.80             109,436.17       180,941.66
 238     19        49                     0            71,505              753.92             110,190.10       181,695.58
 239     19        49                     0            71,505              757.06             110,947.16       182,452.65
 240     20        50                     0            71,505              760.22             111,707.38       183,212.86
 241     20        50                     0            71,505              763.39             112,470.77       183,976.25
 242     20        50                     0            71,505              766.57             113,237.34       184,742.82
 243     20        50                     0            71,505              769.76             114,007.10       185,512.58
 244     20        50                     0            71,505              772.97             114,780.07       186,285.55
 245     20        50                     0            71,505              776.19             115,556.26       187,061.74
 246     20        50                     0            71,505              779.42             116,335.68       187,841.16
 247     20        50                     0            71,505              782.67             117,118.35       188,623.84
 248     20        50                     0            71,505              785.93             117,904.28       189,409.77
 249     20        50                     0            71,505              789.21             118,693.49       190,198.98
 250     20        50                     0            71,505              792.50             119,485.99       190,991.47
 251     20        50                     0            71,505              795.80             120,281.79       191,787.27
 252     21        51                     0            71,505              799.11             121,080.90       192,586.38
 253     21        51                     0            71,505              802.44             121,883.34       193,388.83
 254     21        51                     0            71,505              805.79             122,689.13       194,194.61
 255     21        51                     0            71,505              809.14             123,498.27       195,003.76
 256     21        51                     0            71,505              812.52             124,310.79       195,816.27
 257     21        51                     0            71,505              815.90             125,126.69       196,632.17
 258     21        51                     0            71,505              819.30             125,945.99       197,451.47
 259     21        51                     0            71,505              822.71             126,768.71       198,274.19
 260     21        51                     0            71,505              826.14             127,594.85       199,100.33
 261     21        51                     0            71,505              829.58             128,424.43       199,929.92
 262     21        51                     0            71,505              833.04             129,257.47       200,762.96
 263     21        51                     0            71,505              836.51             130,093.99       201,599.47
 264     22        52                     0            71,505              840.00             130,933.98       202,439.47
 265     22        52                     0            71,505              843.50             131,777.48       203,282.97
 266     22        52                     0            71,505              847.01             132,624.49       204,129.98
 267     22        52                     0            71,505              850.54             133,475.04       204,980.52
 268     22        52                     0            71,505              854.09             134,329.12       205,834.60
 269     22        52                     0            71,505              857.64             135,186.77       206,692.25
 270     22        52                     0            71,505              861.22             136,047.98       207,553.47
 271     22        52                     0            71,505              864.81             136,912.79       208,418.27
 272     22        52                     0            71,505              868.41             137,781.20       209,286.68
 273     22        52                     0            71,505              872.03             138,653.23       210,158.71


                                               Page 35 of 60
               Approximate    Invested        Cumulative
Month   Year       Age       (Payments)        Payments         Interest            Cumulative Interest    Balance
 274     22        52                     0            71,505              875.66             139,528.89       211,034.37
 275     22        52                     0            71,505              879.31             140,408.20       211,913.68
 276     23        53                     0            71,505              882.97             141,291.17       212,796.65
 277     23        53                     0            71,505              886.65             142,177.82       213,683.31
 278     23        53                     0            71,505              890.35             143,068.17       214,573.65
 279     23        53                     0            71,505              894.06             143,962.23       215,467.71
 280     23        53                     0            71,505              897.78             144,860.01       216,365.49
 281     23        53                     0            71,505              901.52             145,761.53       217,267.02
 282     23        53                     0            71,505              905.28             146,666.81       218,172.30
 283     23        53                     0            71,505              909.05             147,575.86       219,081.35
 284     23        53                     0            71,505              912.84             148,488.70       219,994.19
 285     23        53                     0            71,505              916.64             149,405.35       220,910.83
 286     23        53                     0            71,505              920.46             150,325.81       221,831.29
 287     23        53                     0            71,505              924.30             151,250.10       222,755.59
 288     24        54                     0            71,505              928.15             152,178.25       223,683.74
 289     24        54                     0            71,505              932.02             153,110.27       224,615.75
 290     24        54                     0            71,505              935.90             154,046.17       225,551.65
 291     24        54                     0            71,505              939.80             154,985.97       226,491.45
 292     24        54                     0            71,505              943.71             155,929.68       227,435.16
 293     24        54                     0            71,505              947.65             156,877.33       228,382.81
 294     24        54                     0            71,505              951.60             157,828.92       229,334.40
 295     24        54                     0            71,505              955.56             158,784.48       230,289.96
 296     24        54                     0            71,505              959.54             159,744.02       231,249.51
 297     24        54                     0            71,505              963.54             160,707.56       232,213.05
 298     24        54                     0            71,505              967.55             161,675.12       233,180.60
 299     24        54                     0            71,505              971.59             162,646.70       234,152.19
 300     25        55                     0            71,505              975.63             163,622.34       235,127.82
 301     25        55                     0            71,505              979.70             164,602.04       236,107.52
 302     25        55                     0            71,505              983.78             165,585.82       237,091.30
 303     25        55                     0            71,505              987.88             166,573.70       238,079.18
 304     25        55                     0            71,505              992.00             167,565.69       239,071.18
 305     25        55                     0            71,505              996.13             168,561.82       240,067.31
 306     25        55                     0            71,505          1,000.28               169,562.10       241,067.59
 307     25        55                     0            71,505          1,004.45               170,566.55       242,072.04
 308     25        55                     0            71,505          1,008.63               171,575.19       243,080.67
 309     25        55                     0            71,505          1,012.84               172,588.02       244,093.51
 310     25        55                     0            71,505          1,017.06               173,605.08       245,110.56
 311     25        55                     0            71,505          1,021.29               174,626.37       246,131.86
 312     26        56                     0            71,505          1,025.55               175,651.92       247,157.41
 313     26        56                     0            71,505          1,029.82               176,681.74       248,187.23
 314     26        56                     0            71,505          1,034.11               177,715.86       249,221.34
 315     26        56                     0            71,505          1,038.42               178,754.28       250,259.76
 316     26        56                     0            71,505          1,042.75               179,797.03       251,302.51
 317     26        56                     0            71,505          1,047.09               180,844.12       252,349.61
 318     26        56                     0            71,505          1,051.46               181,895.58       253,401.06
 319     26        56                     0            71,505          1,055.84               182,951.42       254,456.90
 320     26        56                     0            71,505          1,060.24               184,011.65       255,517.14
 321     26        56                     0            71,505          1,064.65               185,076.31       256,581.79
 322     26        56                     0            71,505          1,069.09               186,145.40       257,650.88
 323     26        56                     0            71,505          1,073.55               187,218.95       258,724.43
 324     27        57                     0            71,505          1,078.02               188,296.96       259,802.45
 325     27        57                     0            71,505          1,082.51               189,379.47       260,884.96
 326     27        57                     0            71,505          1,087.02               190,466.50       261,971.98
 327     27        57                     0            71,505          1,091.55               191,558.05       263,063.53
 328     27        57                     0            71,505          1,096.10               192,654.14       264,159.63
 329     27        57                     0            71,505          1,100.67               193,754.81       265,260.29
 330     27        57                     0            71,505          1,105.25               194,860.06       266,365.54
 331     27        57                     0            71,505          1,109.86               195,969.92       267,475.40
 332     27        57                     0            71,505          1,114.48               197,084.40       268,589.88
 333     27        57                     0            71,505          1,119.12               198,203.52       269,709.00
 334     27        57                     0            71,505          1,123.79               199,327.31       270,832.79
 335     27        57                     0            71,505          1,128.47               200,455.78       271,961.26
 336     28        58                     0            71,505          1,133.17               201,588.95       273,094.43
 337     28        58                     0            71,505          1,137.89               202,726.84       274,232.33
 338     28        58                     0            71,505          1,142.63               203,869.48       275,374.96
 339     28        58                     0            71,505          1,147.40               205,016.87       276,522.36
 340     28        58                     0            71,505          1,152.18               206,169.05       277,674.53
 341     28        58                     0            71,505          1,156.98               207,326.03       278,831.51
 342     28        58                     0            71,505          1,161.80               208,487.83       279,993.31
 343     28        58                     0            71,505          1,166.64               209,654.46       281,159.95
 344     28        58                     0            71,505          1,171.50               210,825.96       282,331.45
 345     28        58                     0            71,505          1,176.38               212,002.35       283,507.83


                                               Page 36 of 60
               Approximate    Invested        Cumulative
Month   Year       Age       (Payments)        Payments         Interest          Cumulative Interest    Balance
 346     28        58                     0            71,505          1,181.28             213,183.63       284,689.11
 347     28        58                     0            71,505          1,186.20             214,369.83       285,875.32
 348     29        59                     0            71,505          1,191.15             215,560.98       287,066.46
 349     29        59                     0            71,505          1,196.11             216,757.09       288,262.57
 350     29        59                     0            71,505          1,201.09             217,958.18       289,463.67
 351     29        59                     0            71,505          1,206.10             219,164.28       290,669.77
 352     29        59                     0            71,505          1,211.12             220,375.41       291,880.89
 353     29        59                     0            71,505          1,216.17             221,591.58       293,097.06
 354     29        59                     0            71,505          1,221.24             222,812.82       294,318.30
 355     29        59                     0            71,505          1,226.33             224,039.14       295,544.62
 356     29        59                     0            71,505          1,231.44             225,270.58       296,776.06
 357     29        59                     0            71,505          1,236.57             226,507.14       298,012.63
 358     29        59                     0            71,505          1,241.72             227,748.86       299,254.35
 359     29        59                     0            71,505          1,246.89             228,995.76       300,501.24
 360     30        60                     0            71,505          1,252.09             230,247.85       301,753.33
 361     30        60                     0            71,505          1,257.31             231,505.15       303,010.63
 362     30        60                     0            71,505          1,262.54             232,767.70       304,273.18
 363     30        60                     0            71,505          1,267.80             234,035.50       305,540.98
 364     30        60                     0            71,505          1,273.09             235,308.59       306,814.07
 365     30        60                     0            71,505          1,278.39             236,586.98       308,092.46
 366     30        60                     0            71,505          1,283.72             237,870.70       309,376.18
 367     30        60                     0            71,505          1,289.07             239,159.77       310,665.25
 368     30        60                     0            71,505          1,294.44             240,454.20       311,959.69
 369     30        60                     0            71,505          1,299.83             241,754.04       313,259.52
 370     30        60                     0            71,505          1,305.25             243,059.28       314,564.77
 371     30        60                     0            71,505          1,310.69             244,369.97       315,875.45




                                               Page 37 of 60
Retirement Withdrawal Schedule                                                Joe and Mary Blow
                         Retirement Withdraw Plan                                                                       Calculated Results
                    Your Current Age                    30           Your Retirement Withdrawals will begin in the year                               2045
               Current Year (i.e. 2008)              2010                                                Your age will be                                65
                Month you were born                      2           Your first year withdraw (based on inflation) will be              $            6,800
           Age you would like to retire                 65 35                           Months you will draw retirement                                  64
                 Retirement nest egg      $    387,258.00                      Number of years you will draw retirement                                5.33
                        Rate of Return                 5%                             Your age when retirement runs out                                  70
   Withdraw Amount in Today's Dollars     $      4,000.00
                         Inflation Rate             2.00%              Enter number of years to view in the schedule. Click "Reset">    30

 Months into      Mo                                                                Beginning                      Interest                  Amount of         Ending
 Retirement        #         Month             Year             Age                  Balance                        Earned                   Withdrawal        Balance
    Start                                                                    $              387,258.00
      1            2           Feb             2045             65                           387,258.00                      1,613.58               6,800.00     382,071.58
      2            3           Mar             2045             65                           382,071.58                      1,591.96               6,800.00     376,863.54
      3            4           Apr             2045             65                           376,863.54                      1,570.26               6,800.00     371,633.80
      4            5           May             2045             65                           371,633.80                      1,548.47               6,800.00     366,382.28
      5            6           Jun             2045             65                           366,382.28                      1,526.59               6,800.00     361,108.87
      6            7            Jul            2045             65                           361,108.87                      1,504.62               6,800.00     355,813.49
      7            8           Aug             2045             65                           355,813.49                      1,482.56               6,800.00     350,496.05
      8            9           Sep             2045             65                           350,496.05                      1,460.40               6,800.00     345,156.45
      9            10          Oct             2045             65                           345,156.45                      1,438.15               6,800.00     339,794.60
     10            11          Nov             2045             65                           339,794.60                      1,415.81               6,800.00     334,410.41
     11            12          Dec             2045             65                           334,410.41                      1,393.38               6,800.00     329,003.79
     12            1           Jan             2046             65                           329,003.79                      1,370.85               6,880.00     323,494.64
     13            2           Feb             2046             66                           323,494.64                      1,347.89               6,880.00     317,962.53
     14            3           Mar             2046             66                           317,962.53                      1,324.84               6,880.00     312,407.38
     15            4           Apr             2046             66                           312,407.38                      1,301.70               6,880.00     306,829.07
     16            5           May             2046             66                           306,829.07                      1,278.45               6,880.00     301,227.53
     17            6           Jun             2046             66                           301,227.53                      1,255.11               6,880.00     295,602.64
     18            7            Jul            2046             66                           295,602.64                      1,231.68               6,880.00     289,954.32
     19            8           Aug             2046             66                           289,954.32                      1,208.14               6,880.00     284,282.46
     20            9           Sep             2046             66                           284,282.46                      1,184.51               6,880.00     278,586.97
     21            10          Oct             2046             66                           278,586.97                      1,160.78               6,880.00     272,867.75
     22            11          Nov             2046             66                           272,867.75                      1,136.95               6,880.00     267,124.70
     23            12          Dec             2046             66                           267,124.70                      1,113.02               6,880.00     261,357.72
     24            1           Jan             2047             66                           261,357.72                      1,088.99               6,960.00     255,486.71
     25            2           Feb             2047             67                           255,486.71                      1,064.53               6,960.00     249,591.24
     26            3           Mar             2047             67                           249,591.24                      1,039.96               6,960.00     243,671.20
     27            4           Apr             2047             67                           243,671.20                      1,015.30               6,960.00     237,726.50
     28            5           May             2047             67                           237,726.50                        990.53               6,960.00     231,757.03
     29            6           Jun             2047             67                           231,757.03                        965.65               6,960.00     225,762.68
     30            7            Jul            2047             67                           225,762.68                        940.68               6,960.00     219,743.36
     31            8           Aug             2047             67                           219,743.36                        915.60               6,960.00     213,698.96
     32            9           Sep             2047             67                           213,698.96                        890.41               6,960.00     207,629.37
     33            10          Oct             2047             67                           207,629.37                        865.12               6,960.00     201,534.49
     34            11          Nov             2047             67                           201,534.49                        839.73               6,960.00     195,414.22
     35            12          Dec             2047             67                           195,414.22                        814.23               6,960.00     189,268.44
     36            1           Jan             2048             67                           189,268.44                        788.62               7,040.00     183,017.06
     37            2           Feb             2048             68                           183,017.06                        762.57               7,040.00     176,739.63
     38            3           Mar             2048             68                           176,739.63                        736.42               7,040.00     170,436.05
     39            4           Apr             2048             68                           170,436.05                        710.15               7,040.00     164,106.20
     40            5           May             2048             68                           164,106.20                        683.78               7,040.00     157,749.97
     41            6           Jun             2048             68                           157,749.97                        657.29               7,040.00     151,367.27
     42            7            Jul            2048             68                           151,367.27                        630.70               7,040.00     144,957.96
     43            8           Aug             2048             68                           144,957.96                        603.99               7,040.00     138,521.95
     44            9           Sep             2048             68                           138,521.95                        577.17               7,040.00     132,059.13
     45            10          Oct             2048             68                           132,059.13                        550.25               7,040.00     125,569.37
     46            11          Nov             2048             68                           125,569.37                        523.21               7,040.00     119,052.58
     47            12          Dec             2048             68                           119,052.58                        496.05               7,040.00     112,508.63
     48            1           Jan             2049             68                           112,508.63                        468.79               7,120.00     105,857.42
     49            2           Feb             2049             69                           105,857.42                        441.07               7,120.00      99,178.49
     50            3           Mar             2049             69                            99,178.49                        413.24               7,120.00      92,471.74
     51            4           Apr             2049             69                            92,471.74                        385.30               7,120.00      85,737.03
     52            5           May             2049             69                            85,737.03                        357.24               7,120.00      78,974.27
     53            6           Jun             2049             69                            78,974.27                        329.06               7,120.00      72,183.33
     54            7            Jul            2049             69                            72,183.33                        300.76               7,120.00      65,364.10
     55            8           Aug             2049             69                            65,364.10                        272.35               7,120.00      58,516.45
     56            9           Sep             2049             69                            58,516.45                        243.82               7,120.00      51,640.26
     57            10          Oct             2049             69                            51,640.26                        215.17               7,120.00      44,735.43



                                                                       Page 38 of 60
Months into   Mo                                 Beginning            Interest             Amount of         Ending
Retirement     #   Month   Year   Age             Balance              Earned              Withdrawal        Balance
    58        11    Nov    2049   69                     44,735.43               186.40           7,120.00      37,801.83
    59        12    Dec    2049   69                     37,801.83               157.51           7,120.00      30,839.34
    60        1     Jan    2050   69                     30,839.34               128.50           7,200.00      23,767.83
    61        2     Feb    2050   70                     23,767.83                99.03           7,200.00      16,666.87
    62        3     Mar    2050   70                     16,666.87                69.45           7,200.00       9,536.31
    63        4     Apr    2050   70                      9,536.31                39.73           7,200.00       2,376.05
    64        5     May    2050   70                      2,376.05                 9.90           7,200.00       -4,814.05
    65        6     Jun    2050   70                      -4,814.05               -20.06          7,200.00      -12,034.11
    66        7     Jul    2050   70                     -12,034.11               -50.14          7,200.00      -19,284.25
    67        8     Aug    2050   70                     -19,284.25               -80.35          7,200.00      -26,564.60
    68        9     Sep    2050   70                     -26,564.60              -110.69          7,200.00      -33,875.29
    69        10    Oct    2050   70                     -33,875.29              -141.15          7,200.00      -41,216.44
    70        11    Nov    2050   70                     -41,216.44              -171.74          7,200.00      -48,588.17
    71        12    Dec    2050   70                     -48,588.17              -202.45          7,200.00      -55,990.62
    72        1     Jan    2051   70                     -55,990.62              -233.29          7,280.00      -63,503.92
    73        2     Feb    2051   71                     -63,503.92              -264.60          7,280.00      -71,048.52
    74        3     Mar    2051   71                     -71,048.52              -296.04          7,280.00      -78,624.55
    75        4     Apr    2051   71                     -78,624.55              -327.60          7,280.00      -86,232.16
    76        5     May    2051   71                     -86,232.16              -359.30          7,280.00      -93,871.46
    77        6     Jun    2051   71                     -93,871.46              -391.13          7,280.00     -101,542.59
    78        7     Jul    2051   71                    -101,542.59              -423.09          7,280.00     -109,245.68
    79        8     Aug    2051   71                    -109,245.68              -455.19          7,280.00     -116,980.87
    80        9     Sep    2051   71                    -116,980.87              -487.42          7,280.00     -124,748.29
    81        10    Oct    2051   71                    -124,748.29              -519.78          7,280.00     -132,548.08
    82        11    Nov    2051   71                    -132,548.08              -552.28          7,280.00     -140,380.36
    83        12    Dec    2051   71                    -140,380.36              -584.92          7,280.00     -148,245.28
    84        1     Jan    2052   71                    -148,245.28              -617.69          7,360.00     -156,222.97
    85        2     Feb    2052   72                    -156,222.97              -650.93          7,360.00     -164,233.90
    86        3     Mar    2052   72                    -164,233.90              -684.31          7,360.00     -172,278.20
    87        4     Apr    2052   72                    -172,278.20              -717.83          7,360.00     -180,356.03
    88        5     May    2052   72                    -180,356.03              -751.48          7,360.00     -188,467.51
    89        6     Jun    2052   72                    -188,467.51              -785.28          7,360.00     -196,612.79
    90        7     Jul    2052   72                    -196,612.79              -819.22          7,360.00     -204,792.01
    91        8     Aug    2052   72                    -204,792.01              -853.30          7,360.00     -213,005.31
    92        9     Sep    2052   72                    -213,005.31              -887.52          7,360.00     -221,252.84
    93        10    Oct    2052   72                    -221,252.84              -921.89          7,360.00     -229,534.72
    94        11    Nov    2052   72                    -229,534.72              -956.39          7,360.00     -237,851.12
    95        12    Dec    2052   72                    -237,851.12              -991.05          7,360.00     -246,202.16
    96        1     Jan    2053   72                    -246,202.16         -1,025.84             7,440.00     -254,668.01
    97        2     Feb    2053   73                    -254,668.01         -1,061.12             7,440.00     -263,169.12
    98        3     Mar    2053   73                    -263,169.12         -1,096.54             7,440.00     -271,705.66
    99        4     Apr    2053   73                    -271,705.66         -1,132.11             7,440.00     -280,277.77
    100       5     May    2053   73                    -280,277.77         -1,167.82             7,440.00     -288,885.59
    101       6     Jun    2053   73                    -288,885.59         -1,203.69             7,440.00     -297,529.28
    102       7     Jul    2053   73                    -297,529.28         -1,239.71             7,440.00     -306,208.99
    103       8     Aug    2053   73                    -306,208.99         -1,275.87             7,440.00     -314,924.86
    104       9     Sep    2053   73                    -314,924.86         -1,312.19             7,440.00     -323,677.05
    105       10    Oct    2053   73                    -323,677.05         -1,348.65             7,440.00     -332,465.70
    106       11    Nov    2053   73                    -332,465.70         -1,385.27             7,440.00     -341,290.97
    107       12    Dec    2053   73                    -341,290.97         -1,422.05             7,440.00     -350,153.02
    108       1     Jan    2054   73                    -350,153.02         -1,458.97             7,520.00     -359,131.99
    109       2     Feb    2054   74                    -359,131.99         -1,496.38             7,520.00     -368,148.37
    110       3     Mar    2054   74                    -368,148.37         -1,533.95             7,520.00     -377,202.32
    111       4     Apr    2054   74                    -377,202.32         -1,571.68             7,520.00     -386,294.00
    112       5     May    2054   74                    -386,294.00         -1,609.56             7,520.00     -395,423.56
    113       6     Jun    2054   74                    -395,423.56         -1,647.60             7,520.00     -404,591.16
    114       7     Jul    2054   74                    -404,591.16         -1,685.80             7,520.00     -413,796.95
    115       8     Aug    2054   74                    -413,796.95         -1,724.15             7,520.00     -423,041.11
    116       9     Sep    2054   74                    -423,041.11         -1,762.67             7,520.00     -432,323.78
    117       10    Oct    2054   74                    -432,323.78         -1,801.35             7,520.00     -441,645.13
    118       11    Nov    2054   74                    -441,645.13         -1,840.19             7,520.00     -451,005.32
    119       12    Dec    2054   74                    -451,005.32         -1,879.19             7,520.00     -460,404.51
    120       1     Jan    2055   74                    -460,404.51         -1,918.35             7,600.00     -469,922.86
    121       2     Feb    2055   75                    -469,922.86         -1,958.01             7,600.00     -479,480.87
    122       3     Mar    2055   75                    -479,480.87         -1,997.84             7,600.00     -489,078.71
    123       4     Apr    2055   75                    -489,078.71         -2,037.83             7,600.00     -498,716.53
    124       5     May    2055   75                    -498,716.53         -2,077.99             7,600.00     -508,394.52
    125       6     Jun    2055   75                    -508,394.52         -2,118.31             7,600.00     -518,112.83
    126       7     Jul    2055   75                    -518,112.83         -2,158.80             7,600.00     -527,871.63
    127       8     Aug    2055   75                    -527,871.63         -2,199.47             7,600.00     -537,671.10
    128       9     Sep    2055   75                    -537,671.10         -2,240.30             7,600.00     -547,511.40
    129       10    Oct    2055   75                    -547,511.40         -2,281.30             7,600.00     -557,392.69


                                        Page 39 of 60
Months into   Mo                                 Beginning              Interest          Amount of         Ending
Retirement     #   Month   Year   Age             Balance                Earned           Withdrawal        Balance
    130       11    Nov    2055   75                     -557,392.69          -2,322.47          7,600.00     -567,315.16
    131       12    Dec    2055   75                     -567,315.16          -2,363.81          7,600.00     -577,278.98
    132       1     Jan    2056   75                     -577,278.98          -2,405.33          7,680.00     -587,364.30
    133       2     Feb    2056   76                     -587,364.30          -2,447.35          7,680.00     -597,491.66
    134       3     Mar    2056   76                     -597,491.66          -2,489.55          7,680.00     -607,661.20
    135       4     Apr    2056   76                     -607,661.20          -2,531.92          7,680.00     -617,873.13
    136       5     May    2056   76                     -617,873.13          -2,574.47          7,680.00     -628,127.60
    137       6     Jun    2056   76                     -628,127.60          -2,617.20          7,680.00     -638,424.80
    138       7     Jul    2056   76                     -638,424.80          -2,660.10          7,680.00     -648,764.90
    139       8     Aug    2056   76                     -648,764.90          -2,703.19          7,680.00     -659,148.09
    140       9     Sep    2056   76                     -659,148.09          -2,746.45          7,680.00     -669,574.54
    141       10    Oct    2056   76                     -669,574.54          -2,789.89          7,680.00     -680,044.43
    142       11    Nov    2056   76                     -680,044.43          -2,833.52          7,680.00     -690,557.95
    143       12    Dec    2056   76                     -690,557.95          -2,877.32          7,680.00     -701,115.27
    144       1     Jan    2057   76                     -701,115.27          -2,921.31          7,760.00     -711,796.59
    145       2     Feb    2057   77                     -711,796.59          -2,965.82          7,760.00     -722,522.41
    146       3     Mar    2057   77                     -722,522.41          -3,010.51          7,760.00     -733,292.92
    147       4     Apr    2057   77                     -733,292.92          -3,055.39          7,760.00     -744,108.30
    148       5     May    2057   77                     -744,108.30          -3,100.45          7,760.00     -754,968.75
    149       6     Jun    2057   77                     -754,968.75          -3,145.70          7,760.00     -765,874.46
    150       7     Jul    2057   77                     -765,874.46          -3,191.14          7,760.00     -776,825.60
    151       8     Aug    2057   77                     -776,825.60          -3,236.77          7,760.00     -787,822.37
    152       9     Sep    2057   77                     -787,822.37          -3,282.59          7,760.00     -798,864.97
    153       10    Oct    2057   77                     -798,864.97          -3,328.60          7,760.00     -809,953.57
    154       11    Nov    2057   77                     -809,953.57          -3,374.81          7,760.00     -821,088.38
    155       12    Dec    2057   77                     -821,088.38          -3,421.20          7,760.00     -832,269.58
    156       1     Jan    2058   77                     -832,269.58          -3,467.79          7,840.00     -843,577.37
    157       2     Feb    2058   78                     -843,577.37          -3,514.91          7,840.00     -854,932.28
    158       3     Mar    2058   78                     -854,932.28          -3,562.22          7,840.00     -866,334.49
    159       4     Apr    2058   78                     -866,334.49          -3,609.73          7,840.00     -877,784.22
    160       5     May    2058   78                     -877,784.22          -3,657.43          7,840.00     -889,281.65
    161       6     Jun    2058   78                     -889,281.65          -3,705.34          7,840.00     -900,826.99
    162       7     Jul    2058   78                     -900,826.99          -3,753.45          7,840.00     -912,420.44
    163       8     Aug    2058   78                     -912,420.44          -3,801.75          7,840.00     -924,062.19
    164       9     Sep    2058   78                     -924,062.19          -3,850.26          7,840.00     -935,752.45
    165       10    Oct    2058   78                     -935,752.45          -3,898.97          7,840.00     -947,491.42
    166       11    Nov    2058   78                     -947,491.42          -3,947.88          7,840.00     -959,279.30
    167       12    Dec    2058   78                     -959,279.30          -3,997.00          7,840.00     -971,116.30
    168       1     Jan    2059   78                     -971,116.30          -4,046.32          7,920.00     -983,082.62
    169       2     Feb    2059   79                     -983,082.62          -4,096.18          7,920.00     -995,098.79
    170       3     Mar    2059   79                     -995,098.79          -4,146.24          7,920.00   -1,007,165.04
    171       4     Apr    2059   79                    -1,007,165.04         -4,196.52          7,920.00   -1,019,281.56
    172       5     May    2059   79                    -1,019,281.56         -4,247.01          7,920.00   -1,031,448.57
    173       6     Jun    2059   79                    -1,031,448.57         -4,297.70          7,920.00   -1,043,666.27
    174       7     Jul    2059   79                    -1,043,666.27         -4,348.61          7,920.00   -1,055,934.88
    175       8     Aug    2059   79                    -1,055,934.88         -4,399.73          7,920.00   -1,068,254.61
    176       9     Sep    2059   79                    -1,068,254.61         -4,451.06          7,920.00   -1,080,625.67
    177       10    Oct    2059   79                    -1,080,625.67         -4,502.61          7,920.00   -1,093,048.27
    178       11    Nov    2059   79                    -1,093,048.27         -4,554.37          7,920.00   -1,105,522.64
    179       12    Dec    2059   79                    -1,105,522.64         -4,606.34          7,920.00   -1,118,048.99
    180       1     Jan    2060   79                    -1,118,048.99         -4,658.54          8,000.00   -1,130,707.52
    181       2     Feb    2060   80                    -1,130,707.52         -4,711.28          8,000.00   -1,143,418.81
    182       3     Mar    2060   80                    -1,143,418.81         -4,764.25          8,000.00   -1,156,183.05
    183       4     Apr    2060   80                    -1,156,183.05         -4,817.43          8,000.00   -1,169,000.48
    184       5     May    2060   80                    -1,169,000.48         -4,870.84          8,000.00   -1,181,871.32
    185       6     Jun    2060   80                    -1,181,871.32         -4,924.46          8,000.00   -1,194,795.78
    186       7     Jul    2060   80                    -1,194,795.78         -4,978.32          8,000.00   -1,207,774.09
    187       8     Aug    2060   80                    -1,207,774.09         -5,032.39          8,000.00   -1,220,806.49
    188       9     Sep    2060   80                    -1,220,806.49         -5,086.69          8,000.00   -1,233,893.18
    189       10    Oct    2060   80                    -1,233,893.18         -5,141.22          8,000.00   -1,247,034.40
    190       11    Nov    2060   80                    -1,247,034.40         -5,195.98          8,000.00   -1,260,230.38
    191       12    Dec    2060   80                    -1,260,230.38         -5,250.96          8,000.00   -1,273,481.34
    192       1     Jan    2061   80                    -1,273,481.34         -5,306.17          8,080.00   -1,286,867.51
    193       2     Feb    2061   81                    -1,286,867.51         -5,361.95          8,080.00   -1,300,309.46
    194       3     Mar    2061   81                    -1,300,309.46         -5,417.96          8,080.00   -1,313,807.42
    195       4     Apr    2061   81                    -1,313,807.42         -5,474.20          8,080.00   -1,327,361.61
    196       5     May    2061   81                    -1,327,361.61         -5,530.67          8,080.00   -1,340,972.29
    197       6     Jun    2061   81                    -1,340,972.29         -5,587.38          8,080.00   -1,354,639.67
    198       7     Jul    2061   81                    -1,354,639.67         -5,644.33          8,080.00   -1,368,364.00
    199       8     Aug    2061   81                    -1,368,364.00         -5,701.52          8,080.00   -1,382,145.52
    200       9     Sep    2061   81                    -1,382,145.52         -5,758.94          8,080.00   -1,395,984.46
    201       10    Oct    2061   81                    -1,395,984.46         -5,816.60          8,080.00   -1,409,881.06


                                        Page 40 of 60
Months into   Mo                                 Beginning              Interest          Amount of         Ending
Retirement     #   Month   Year   Age             Balance                Earned           Withdrawal        Balance
    202       11    Nov    2061   81                    -1,409,881.06         -5,874.50          8,080.00   -1,423,835.57
    203       12    Dec    2061   81                    -1,423,835.57         -5,932.65          8,080.00   -1,437,848.21
    204       1     Jan    2062   81                    -1,437,848.21         -5,991.03          8,160.00   -1,451,999.25
    205       2     Feb    2062   82                    -1,451,999.25         -6,050.00          8,160.00   -1,466,209.24
    206       3     Mar    2062   82                    -1,466,209.24         -6,109.21          8,160.00   -1,480,478.45
    207       4     Apr    2062   82                    -1,480,478.45         -6,168.66          8,160.00   -1,494,807.11
    208       5     May    2062   82                    -1,494,807.11         -6,228.36          8,160.00   -1,509,195.47
    209       6     Jun    2062   82                    -1,509,195.47         -6,288.31          8,160.00   -1,523,643.79
    210       7     Jul    2062   82                    -1,523,643.79         -6,348.52          8,160.00   -1,538,152.30
    211       8     Aug    2062   82                    -1,538,152.30         -6,408.97          8,160.00   -1,552,721.27
    212       9     Sep    2062   82                    -1,552,721.27         -6,469.67          8,160.00   -1,567,350.94
    213       10    Oct    2062   82                    -1,567,350.94         -6,530.63          8,160.00   -1,582,041.57
    214       11    Nov    2062   82                    -1,582,041.57         -6,591.84          8,160.00   -1,596,793.41
    215       12    Dec    2062   82                    -1,596,793.41         -6,653.31          8,160.00   -1,611,606.72
    216       1     Jan    2063   82                    -1,611,606.72         -6,715.03          8,240.00   -1,626,561.75
    217       2     Feb    2063   83                    -1,626,561.75         -6,777.34          8,240.00   -1,641,579.09
    218       3     Mar    2063   83                    -1,641,579.09         -6,839.91          8,240.00   -1,656,659.00
    219       4     Apr    2063   83                    -1,656,659.00         -6,902.75          8,240.00   -1,671,801.74
    220       5     May    2063   83                    -1,671,801.74         -6,965.84          8,240.00   -1,687,007.59
    221       6     Jun    2063   83                    -1,687,007.59         -7,029.20          8,240.00   -1,702,276.78
    222       7     Jul    2063   83                    -1,702,276.78         -7,092.82          8,240.00   -1,717,609.60
    223       8     Aug    2063   83                    -1,717,609.60         -7,156.71          8,240.00   -1,733,006.31
    224       9     Sep    2063   83                    -1,733,006.31         -7,220.86          8,240.00   -1,748,467.17
    225       10    Oct    2063   83                    -1,748,467.17         -7,285.28          8,240.00   -1,763,992.45
    226       11    Nov    2063   83                    -1,763,992.45         -7,349.97          8,240.00   -1,779,582.42
    227       12    Dec    2063   83                    -1,779,582.42         -7,414.93          8,240.00   -1,795,237.35
    228       1     Jan    2064   83                    -1,795,237.35         -7,480.16          8,320.00   -1,811,037.50
    229       2     Feb    2064   84                    -1,811,037.50         -7,545.99          8,320.00   -1,826,903.49
    230       3     Mar    2064   84                    -1,826,903.49         -7,612.10          8,320.00   -1,842,835.59
    231       4     Apr    2064   84                    -1,842,835.59         -7,678.48          8,320.00   -1,858,834.07
    232       5     May    2064   84                    -1,858,834.07         -7,745.14          8,320.00   -1,874,899.21
    233       6     Jun    2064   84                    -1,874,899.21         -7,812.08          8,320.00   -1,891,031.29
    234       7     Jul    2064   84                    -1,891,031.29         -7,879.30          8,320.00   -1,907,230.59
    235       8     Aug    2064   84                    -1,907,230.59         -7,946.79          8,320.00   -1,923,497.38
    236       9     Sep    2064   84                    -1,923,497.38         -8,014.57          8,320.00   -1,939,831.96
    237       10    Oct    2064   84                    -1,939,831.96         -8,082.63          8,320.00   -1,956,234.59
    238       11    Nov    2064   84                    -1,956,234.59         -8,150.98          8,320.00   -1,972,705.57
    239       12    Dec    2064   84                    -1,972,705.57         -8,219.61          8,320.00   -1,989,245.17
    240       1     Jan    2065   84                    -1,989,245.17         -8,288.52          8,400.00   -2,005,933.69
    241       2     Feb    2065   85                    -2,005,933.69         -8,358.06          8,400.00   -2,022,691.75
    242       3     Mar    2065   85                    -2,022,691.75         -8,427.88          8,400.00   -2,039,519.63
    243       4     Apr    2065   85                    -2,039,519.63         -8,498.00          8,400.00   -2,056,417.63
    244       5     May    2065   85                    -2,056,417.63         -8,568.41          8,400.00   -2,073,386.04
    245       6     Jun    2065   85                    -2,073,386.04         -8,639.11          8,400.00   -2,090,425.15
    246       7     Jul    2065   85                    -2,090,425.15         -8,710.10          8,400.00   -2,107,535.25
    247       8     Aug    2065   85                    -2,107,535.25         -8,781.40          8,400.00   -2,124,716.65
    248       9     Sep    2065   85                    -2,124,716.65         -8,852.99          8,400.00   -2,141,969.63
    249       10    Oct    2065   85                    -2,141,969.63         -8,924.87          8,400.00   -2,159,294.51
    250       11    Nov    2065   85                    -2,159,294.51         -8,997.06          8,400.00   -2,176,691.57
    251       12    Dec    2065   85                    -2,176,691.57         -9,069.55          8,400.00   -2,194,161.12
    252       1     Jan    2066   85                    -2,194,161.12         -9,142.34          8,480.00   -2,211,783.46
    253       2     Feb    2066   86                    -2,211,783.46         -9,215.76          8,480.00   -2,229,479.22
    254       3     Mar    2066   86                    -2,229,479.22         -9,289.50          8,480.00   -2,247,248.72
    255       4     Apr    2066   86                    -2,247,248.72         -9,363.54          8,480.00   -2,265,092.25
    256       5     May    2066   86                    -2,265,092.25         -9,437.88          8,480.00   -2,283,010.14
    257       6     Jun    2066   86                    -2,283,010.14         -9,512.54          8,480.00   -2,301,002.68
    258       7     Jul    2066   86                    -2,301,002.68         -9,587.51          8,480.00   -2,319,070.19
    259       8     Aug    2066   86                    -2,319,070.19         -9,662.79          8,480.00   -2,337,212.98
    260       9     Sep    2066   86                    -2,337,212.98         -9,738.39          8,480.00   -2,355,431.37
    261       10    Oct    2066   86                    -2,355,431.37         -9,814.30          8,480.00   -2,373,725.67
    262       11    Nov    2066   86                    -2,373,725.67         -9,890.52          8,480.00   -2,392,096.19
    263       12    Dec    2066   86                    -2,392,096.19         -9,967.07          8,480.00   -2,410,543.26
    264       1     Jan    2067   86                    -2,410,543.26        -10,043.93          8,560.00   -2,429,147.19
    265       2     Feb    2067   87                    -2,429,147.19        -10,121.45          8,560.00   -2,447,828.64
    266       3     Mar    2067   87                    -2,447,828.64        -10,199.29          8,560.00   -2,466,587.92
    267       4     Apr    2067   87                    -2,466,587.92        -10,277.45          8,560.00   -2,485,425.37
    268       5     May    2067   87                    -2,485,425.37        -10,355.94          8,560.00   -2,504,341.31
    269       6     Jun    2067   87                    -2,504,341.31        -10,434.76          8,560.00   -2,523,336.07
    270       7     Jul    2067   87                    -2,523,336.07        -10,513.90          8,560.00   -2,542,409.97
    271       8     Aug    2067   87                    -2,542,409.97        -10,593.37          8,560.00   -2,561,563.34
    272       9     Sep    2067   87                    -2,561,563.34        -10,673.18          8,560.00   -2,580,796.52
    273       10    Oct    2067   87                    -2,580,796.52        -10,753.32          8,560.00   -2,600,109.84


                                        Page 41 of 60
Months into   Mo                                 Beginning              Interest          Amount of         Ending
Retirement     #   Month   Year   Age             Balance                Earned           Withdrawal        Balance
    274       11    Nov    2067   87                    -2,600,109.84        -10,833.79          8,560.00   -2,619,503.63
    275       12    Dec    2067   87                    -2,619,503.63        -10,914.60          8,560.00   -2,638,978.23
    276       1     Jan    2068   87                    -2,638,978.23        -10,995.74          8,640.00   -2,658,613.97
    277       2     Feb    2068   88                    -2,658,613.97        -11,077.56          8,640.00   -2,678,331.53
    278       3     Mar    2068   88                    -2,678,331.53        -11,159.71          8,640.00   -2,698,131.25
    279       4     Apr    2068   88                    -2,698,131.25        -11,242.21          8,640.00   -2,718,013.46
    280       5     May    2068   88                    -2,718,013.46        -11,325.06          8,640.00   -2,737,978.51
    281       6     Jun    2068   88                    -2,737,978.51        -11,408.24          8,640.00   -2,758,026.76
    282       7     Jul    2068   88                    -2,758,026.76        -11,491.78          8,640.00   -2,778,158.54
    283       8     Aug    2068   88                    -2,778,158.54        -11,575.66          8,640.00   -2,798,374.20
    284       9     Sep    2068   88                    -2,798,374.20        -11,659.89          8,640.00   -2,818,674.09
    285       10    Oct    2068   88                    -2,818,674.09        -11,744.48          8,640.00   -2,839,058.57
    286       11    Nov    2068   88                    -2,839,058.57        -11,829.41          8,640.00   -2,859,527.98
    287       12    Dec    2068   88                    -2,859,527.98        -11,914.70          8,640.00   -2,880,082.68
    288       1     Jan    2069   88                    -2,880,082.68        -12,000.34          8,720.00   -2,900,803.02
    289       2     Feb    2069   89                    -2,900,803.02        -12,086.68          8,720.00   -2,921,609.70
    290       3     Mar    2069   89                    -2,921,609.70        -12,173.37          8,720.00   -2,942,503.07
    291       4     Apr    2069   89                    -2,942,503.07        -12,260.43          8,720.00   -2,963,483.50
    292       5     May    2069   89                    -2,963,483.50        -12,347.85          8,720.00   -2,984,551.35
    293       6     Jun    2069   89                    -2,984,551.35        -12,435.63          8,720.00   -3,005,706.98
    294       7     Jul    2069   89                    -3,005,706.98        -12,523.78          8,720.00   -3,026,950.76
    295       8     Aug    2069   89                    -3,026,950.76        -12,612.29          8,720.00   -3,048,283.06
    296       9     Sep    2069   89                    -3,048,283.06        -12,701.18          8,720.00   -3,069,704.23
    297       10    Oct    2069   89                    -3,069,704.23        -12,790.43          8,720.00   -3,091,214.67
    298       11    Nov    2069   89                    -3,091,214.67        -12,880.06          8,720.00   -3,112,814.73
    299       12    Dec    2069   89                    -3,112,814.73        -12,970.06          8,720.00   -3,134,504.79
    300       1     Jan    2070   89                    -3,134,504.79        -13,060.44          8,800.00   -3,156,365.23
    301       2     Feb    2070   90                    -3,156,365.23        -13,151.52          8,800.00   -3,178,316.75
    302       3     Mar    2070   90                    -3,178,316.75        -13,242.99          8,800.00   -3,200,359.74
    303       4     Apr    2070   90                    -3,200,359.74        -13,334.83          8,800.00   -3,222,494.57
    304       5     May    2070   90                    -3,222,494.57        -13,427.06          8,800.00   -3,244,721.63
    305       6     Jun    2070   90                    -3,244,721.63        -13,519.67          8,800.00   -3,267,041.30
    306       7     Jul    2070   90                    -3,267,041.30        -13,612.67          8,800.00   -3,289,453.97
    307       8     Aug    2070   90                    -3,289,453.97        -13,706.06          8,800.00   -3,311,960.03
    308       9     Sep    2070   90                    -3,311,960.03        -13,799.83          8,800.00   -3,334,559.87
    309       10    Oct    2070   90                    -3,334,559.87        -13,894.00          8,800.00   -3,357,253.87
    310       11    Nov    2070   90                    -3,357,253.87        -13,988.56          8,800.00   -3,380,042.42
    311       12    Dec    2070   90                    -3,380,042.42        -14,083.51          8,800.00   -3,402,925.93
    312       1     Jan    2071   90                    -3,402,925.93        -14,178.86          8,880.00   -3,425,984.79
    313       2     Feb    2071   91                    -3,425,984.79        -14,274.94          8,880.00   -3,449,139.73
    314       3     Mar    2071   91                    -3,449,139.73        -14,371.42          8,880.00   -3,472,391.14
    315       4     Apr    2071   91                    -3,472,391.14        -14,468.30          8,880.00   -3,495,739.44
    316       5     May    2071   91                    -3,495,739.44        -14,565.58          8,880.00   -3,519,185.02
    317       6     Jun    2071   91                    -3,519,185.02        -14,663.27          8,880.00   -3,542,728.29
    318       7     Jul    2071   91                    -3,542,728.29        -14,761.37          8,880.00   -3,566,369.66
    319       8     Aug    2071   91                    -3,566,369.66        -14,859.87          8,880.00   -3,590,109.53
    320       9     Sep    2071   91                    -3,590,109.53        -14,958.79          8,880.00   -3,613,948.32
    321       10    Oct    2071   91                    -3,613,948.32        -15,058.12          8,880.00   -3,637,886.44
    322       11    Nov    2071   91                    -3,637,886.44        -15,157.86          8,880.00   -3,661,924.30
    323       12    Dec    2071   91                    -3,661,924.30        -15,258.02          8,880.00   -3,686,062.32
    324       1     Jan    2072   91                    -3,686,062.32        -15,358.59          8,960.00   -3,710,380.91
    325       2     Feb    2072   92                    -3,710,380.91        -15,459.92          8,960.00   -3,734,800.83
    326       3     Mar    2072   92                    -3,734,800.83        -15,561.67          8,960.00   -3,759,322.50
    327       4     Apr    2072   92                    -3,759,322.50        -15,663.84          8,960.00   -3,783,946.35
    328       5     May    2072   92                    -3,783,946.35        -15,766.44          8,960.00   -3,808,672.79
    329       6     Jun    2072   92                    -3,808,672.79        -15,869.47          8,960.00   -3,833,502.26
    330       7     Jul    2072   92                    -3,833,502.26        -15,972.93          8,960.00   -3,858,435.19
    331       8     Aug    2072   92                    -3,858,435.19        -16,076.81          8,960.00   -3,883,472.00
    332       9     Sep    2072   92                    -3,883,472.00        -16,181.13          8,960.00   -3,908,613.13
    333       10    Oct    2072   92                    -3,908,613.13        -16,285.89          8,960.00   -3,933,859.02
    334       11    Nov    2072   92                    -3,933,859.02        -16,391.08          8,960.00   -3,959,210.10
    335       12    Dec    2072   92                    -3,959,210.10        -16,496.71          8,960.00   -3,984,666.81
    336       1     Jan    2073   92                    -3,984,666.81        -16,602.78          9,040.00   -4,010,309.59
    337       2     Feb    2073   93                    -4,010,309.59        -16,709.62          9,040.00   -4,036,059.21
    338       3     Mar    2073   93                    -4,036,059.21        -16,816.91          9,040.00   -4,061,916.12
    339       4     Apr    2073   93                    -4,061,916.12        -16,924.65          9,040.00   -4,087,880.77
    340       5     May    2073   93                    -4,087,880.77        -17,032.84          9,040.00   -4,113,953.61
    341       6     Jun    2073   93                    -4,113,953.61        -17,141.47          9,040.00   -4,140,135.08
    342       7     Jul    2073   93                    -4,140,135.08        -17,250.56          9,040.00   -4,166,425.65
    343       8     Aug    2073   93                    -4,166,425.65        -17,360.11          9,040.00   -4,192,825.75
    344       9     Sep    2073   93                    -4,192,825.75        -17,470.11          9,040.00   -4,219,335.86
    345       10    Oct    2073   93                    -4,219,335.86        -17,580.57          9,040.00   -4,245,956.43


                                        Page 42 of 60
Months into   Mo                                 Beginning              Interest          Amount of         Ending
Retirement     #   Month   Year   Age             Balance                Earned           Withdrawal        Balance
    346       11    Nov    2073   93                    -4,245,956.43        -17,691.49          9,040.00   -4,272,687.91
    347       12    Dec    2073   93                    -4,272,687.91        -17,802.87          9,040.00   -4,299,530.78
    348       1     Jan    2074   93                    -4,299,530.78        -17,914.71          9,120.00   -4,326,565.49
    349       2     Feb    2074   94                    -4,326,565.49        -18,027.36          9,120.00   -4,353,712.85
    350       3     Mar    2074   94                    -4,353,712.85        -18,140.47          9,120.00   -4,380,973.32
    351       4     Apr    2074   94                    -4,380,973.32        -18,254.06          9,120.00   -4,408,347.37
    352       5     May    2074   94                    -4,408,347.37        -18,368.11          9,120.00   -4,435,835.49
    353       6     Jun    2074   94                    -4,435,835.49        -18,482.65          9,120.00   -4,463,438.13
    354       7     Jul    2074   94                    -4,463,438.13        -18,597.66          9,120.00   -4,491,155.79
    355       8     Aug    2074   94                    -4,491,155.79        -18,713.15          9,120.00   -4,518,988.94
    356       9     Sep    2074   94                    -4,518,988.94        -18,829.12          9,120.00   -4,546,938.06
    357       10    Oct    2074   94                    -4,546,938.06        -18,945.58          9,120.00   -4,575,003.64
    358       11    Nov    2074   94                    -4,575,003.64        -19,062.52          9,120.00   -4,603,186.15
    359       12    Dec    2074   94                    -4,603,186.15        -19,179.94          9,120.00   -4,631,486.10
    360       1     Jan    2075   94                    -4,631,486.10        -19,297.86          9,200.00   -4,659,983.95




                                        Page 43 of 60
                      Loan Amortization Schedule With Extra Payments
                                                Joe and Mary Blow
                                                                                                 Comparison
                      Principal:   300,000.00                                    Without               With
                 Interest Rate:         6.00%   0.00500000                   Extra Payments      Extra Payments        Savings
                     Payment:       $1,800.00                Payments:                 360                  312                48
    Extra Principal Payment:           100.00          Number of Years:              30.00                26.00              4.00
                   Frequency:         Monthly             Total Interest:      346,643.27           293,571.29         53,071.98
Annual                                                                      Illustrates savings through extra principal payments.
         Semi-Annual
                   Payment:        Regular       Extra       Regular            Interest
    A        S     Number          Payment      Principal    Prin. Pay          Payment             Balance              Notes
                       1             1,800.00       100.00       300.00           1,500.00          299,600.00
                       2             1,800.00       100.00       302.00           1,498.00          299,198.00
                       3             1,800.00       100.00       304.01           1,495.99          298,793.99
                       4             1,800.00       100.00       306.03           1,493.97          298,387.96
                       5             1,800.00       100.00       308.06           1,491.94          297,979.90
         S             6             1,800.00       100.00       310.10           1,489.90          297,569.80
                       7             1,800.00       100.00       312.15           1,487.85          297,157.65
                       8             1,800.00       100.00       314.21           1,485.79          296,743.44
                       9             1,800.00       100.00       316.28           1,483.72          296,327.15
                      10             1,800.00       100.00       318.36           1,481.64          295,908.79
                      11             1,800.00       100.00       320.46           1,479.54          295,488.33
A        S            12             1,800.00       100.00       322.56           1,477.44          295,065.78
                      13             1,800.00       100.00       324.67           1,475.33          294,641.11
                      14             1,800.00       100.00       326.79           1,473.21          294,214.31
                      15             1,800.00       100.00       328.93           1,471.07          293,785.38
                      16             1,800.00       100.00       331.07           1,468.93          293,354.31
                      17             1,800.00       100.00       333.23           1,466.77          292,921.08
         S            18             1,800.00       100.00       335.39           1,464.61          292,485.69
                      19             1,800.00       100.00       337.57           1,462.43          292,048.12
                      20             1,800.00       100.00       339.76           1,460.24          291,608.36
                      21             1,800.00       100.00       341.96           1,458.04          291,166.40
                      22             1,800.00       100.00       344.17           1,455.83          290,722.23
                      23             1,800.00       100.00       346.39           1,453.61          290,275.84
A        S            24             1,800.00       100.00       348.62           1,451.38          289,827.22
                      25             1,800.00       100.00       350.86           1,449.14          289,376.36
                      26             1,800.00       100.00       353.12           1,446.88          288,923.24
                      27             1,800.00       100.00       355.38           1,444.62          288,467.85
                      28             1,800.00       100.00       357.66           1,442.34          288,010.19
                      29             1,800.00       100.00       359.95           1,440.05          287,550.25
         S            30             1,800.00       100.00       362.25           1,437.75          287,088.00
                      31             1,800.00       100.00       364.56           1,435.44          286,623.44
                      32             1,800.00       100.00       366.88           1,433.12          286,156.55
                      33             1,800.00       100.00       369.22           1,430.78          285,687.34
                      34             1,800.00       100.00       371.56           1,428.44          285,215.77
                      35             1,800.00       100.00       373.92           1,426.08          284,741.85
A        S            36             1,800.00       100.00       376.29           1,423.71          284,265.56
                      37             1,800.00       100.00       378.67           1,421.33          283,786.89
                      38             1,800.00       100.00       381.07           1,418.93          283,305.82
                      39             1,800.00       100.00       383.47           1,416.53          282,822.35
                      40             1,800.00       100.00       385.89           1,414.11          282,336.47
                      41             1,800.00       100.00       388.32           1,411.68          281,848.15
         S            42             1,800.00       100.00       390.76           1,409.24          281,357.39
                      43             1,800.00       100.00       393.21           1,406.79          280,864.18
                      44             1,800.00       100.00       395.68           1,404.32          280,368.50
                      45             1,800.00       100.00       398.16           1,401.84          279,870.34
                      46             1,800.00       100.00       400.65           1,399.35          279,369.69
                      47             1,800.00       100.00       403.15           1,396.85          278,866.54

                                                  Page 44 of 60
Annual                                                             Illustrates savings through extra principal payments.
         Semi-Annual
                 Payment:   Regular       Extra       Regular          Interest
    A        S   Number     Payment      Principal    Prin. Pay        Payment             Balance              Notes
A        S          48        1,800.00       100.00       405.67         1,394.33          278,360.87
                    49        1,800.00       100.00       408.20         1,391.80          277,852.68
                    50        1,800.00       100.00       410.74         1,389.26          277,341.94
                    51        1,800.00       100.00       413.29         1,386.71          276,828.65
                    52        1,800.00       100.00       415.86         1,384.14          276,312.79
                    53        1,800.00       100.00       418.44         1,381.56          275,794.36
         S          54        1,800.00       100.00       421.03         1,378.97          275,273.33
                    55        1,800.00       100.00       423.63         1,376.37          274,749.70
                    56        1,800.00       100.00       426.25         1,373.75          274,223.44
                    57        1,800.00       100.00       428.88         1,371.12          273,694.56
                    58        1,800.00       100.00       431.53         1,368.47          273,163.04
                    59        1,800.00       100.00       434.18         1,365.82          272,628.85
A        S          60        1,800.00       100.00       436.86         1,363.14          272,091.99
                    61        1,800.00       100.00       439.54         1,360.46          271,552.45
                    62        1,800.00       100.00       442.24         1,357.76          271,010.22
                    63        1,800.00       100.00       444.95         1,355.05          270,465.27
                    64        1,800.00       100.00       447.67         1,352.33          269,917.59
                    65        1,800.00       100.00       450.41         1,349.59          269,367.18
         S          66        1,800.00       100.00       453.16         1,346.84          268,814.02
                    67        1,800.00       100.00       455.93         1,344.07          268,258.09
                    68        1,800.00       100.00       458.71         1,341.29          267,699.38
                    69        1,800.00       100.00       461.50         1,338.50          267,137.88
                    70        1,800.00       100.00       464.31         1,335.69          266,573.57
                    71        1,800.00       100.00       467.13         1,332.87          266,006.43
A        S          72        1,800.00       100.00       469.97         1,330.03          265,436.47
                    73        1,800.00       100.00       472.82         1,327.18          264,863.65
                    74        1,800.00       100.00       475.68         1,324.32          264,287.97
                    75        1,800.00       100.00       478.56         1,321.44          263,709.41
                    76        1,800.00       100.00       481.45         1,318.55          263,127.95
                    77        1,800.00       100.00       484.36         1,315.64          262,543.59
         S          78        1,800.00       100.00       487.28         1,312.72          261,956.31
                    79        1,800.00       100.00       490.22         1,309.78          261,366.09
                    80        1,800.00       100.00       493.17         1,306.83          260,772.92
                    81        1,800.00       100.00       496.14         1,303.86          260,176.79
                    82        1,800.00       100.00       499.12         1,300.88          259,577.67
                    83        1,800.00       100.00       502.11         1,297.89          258,975.56
A        S          84        1,800.00       100.00       505.12         1,294.88          258,370.44
                    85        1,800.00       100.00       508.15         1,291.85          257,762.29
                    86        1,800.00       100.00       511.19         1,288.81          257,151.10
                    87        1,800.00       100.00       514.24         1,285.76          256,536.86
                    88        1,800.00       100.00       517.32         1,282.68          255,919.54
                    89        1,800.00       100.00       520.40         1,279.60          255,299.14
         S          90        1,800.00       100.00       523.50         1,276.50          254,675.64
                    91        1,800.00       100.00       526.62         1,273.38          254,049.02
                    92        1,800.00       100.00       529.75         1,270.25          253,419.26
                    93        1,800.00       100.00       532.90         1,267.10          252,786.36
                    94        1,800.00       100.00       536.07         1,263.93          252,150.29
                    95        1,800.00       100.00       539.25         1,260.75          251,511.04
A        S          96        1,800.00       100.00       542.44         1,257.56          250,868.60
                    97        1,800.00       100.00       545.66         1,254.34          250,222.94
                    98        1,800.00       100.00       548.89         1,251.11          249,574.05
                    99        1,800.00       100.00       552.13         1,247.87          248,921.92
                   100        1,800.00       100.00       555.39         1,244.61          248,266.53
                   101        1,800.00       100.00       558.67         1,241.33          247,607.87
         S         102        1,800.00       100.00       561.96         1,238.04          246,945.91

                                           Page 45 of 60
Annual                                                             Illustrates savings through extra principal payments.
         Semi-Annual
                 Payment:   Regular       Extra       Regular          Interest
    A        S   Number     Payment      Principal    Prin. Pay        Payment             Balance              Notes
                   103        1,800.00       100.00       565.27         1,234.73          246,280.64
                   104        1,800.00       100.00       568.60         1,231.40          245,612.04
                   105        1,800.00       100.00       571.94         1,228.06          244,940.10
                   106        1,800.00       100.00       575.30         1,224.70          244,264.80
                   107        1,800.00       100.00       578.68         1,221.32          243,586.12
A        S         108        1,800.00       100.00       582.07         1,217.93          242,904.05
                   109        1,800.00       100.00       585.48         1,214.52          242,218.57
                   110        1,800.00       100.00       588.91         1,211.09          241,529.67
                   111        1,800.00       100.00       592.35         1,207.65          240,837.32
                   112        1,800.00       100.00       595.81         1,204.19          240,141.50
                   113        1,800.00       100.00       599.29         1,200.71          239,442.21
         S         114        1,800.00       100.00       602.79         1,197.21          238,739.42
                   115        1,800.00       100.00       606.30         1,193.70          238,033.12
                   116        1,800.00       100.00       609.83         1,190.17          237,323.28
                   117        1,800.00       100.00       613.38         1,186.62          236,609.90
                   118        1,800.00       100.00       616.95         1,183.05          235,892.95
                   119        1,800.00       100.00       620.54         1,179.46          235,172.42
A        S         120        1,800.00       100.00       624.14         1,175.86          234,448.28
                   121        1,800.00       100.00       627.76         1,172.24          233,720.52
                   122        1,800.00       100.00       631.40         1,168.60          232,989.12
                   123        1,800.00       100.00       635.05         1,164.95          232,254.07
                   124        1,800.00       100.00       638.73         1,161.27          231,515.34
                   125        1,800.00       100.00       642.42         1,157.58          230,772.91
         S         126        1,800.00       100.00       646.14         1,153.86          230,026.78
                   127        1,800.00       100.00       649.87         1,150.13          229,276.91
                   128        1,800.00       100.00       653.62         1,146.38          228,523.30
                   129        1,800.00       100.00       657.38         1,142.62          227,765.91
                   130        1,800.00       100.00       661.17         1,138.83          227,004.74
                   131        1,800.00       100.00       664.98         1,135.02          226,239.77
A        S         132        1,800.00       100.00       668.80         1,131.20          225,470.97
                   133        1,800.00       100.00       672.65         1,127.35          224,698.32
                   134        1,800.00       100.00       676.51         1,123.49          223,921.81
                   135        1,800.00       100.00       680.39         1,119.61          223,141.42
                   136        1,800.00       100.00       684.29         1,115.71          222,357.13
                   137        1,800.00       100.00       688.21         1,111.79          221,568.92
         S         138        1,800.00       100.00       692.16         1,107.84          220,776.76
                   139        1,800.00       100.00       696.12         1,103.88          219,980.64
                   140        1,800.00       100.00       700.10         1,099.90          219,180.55
                   141        1,800.00       100.00       704.10         1,095.90          218,376.45
                   142        1,800.00       100.00       708.12         1,091.88          217,568.33
                   143        1,800.00       100.00       712.16         1,087.84          216,756.17
A        S         144        1,800.00       100.00       716.22         1,083.78          215,939.96
                   145        1,800.00       100.00       720.30         1,079.70          215,119.66
                   146        1,800.00       100.00       724.40         1,075.60          214,295.25
                   147        1,800.00       100.00       728.52         1,071.48          213,466.73
                   148        1,800.00       100.00       732.67         1,067.33          212,634.06
                   149        1,800.00       100.00       736.83         1,063.17          211,797.23
         S         150        1,800.00       100.00       741.01         1,058.99          210,956.22
                   151        1,800.00       100.00       745.22         1,054.78          210,111.00
                   152        1,800.00       100.00       749.44         1,050.56          209,261.56
                   153        1,800.00       100.00       753.69         1,046.31          208,407.86
                   154        1,800.00       100.00       757.96         1,042.04          207,549.90
                   155        1,800.00       100.00       762.25         1,037.75          206,687.65
A        S         156        1,800.00       100.00       766.56         1,033.44          205,821.09
                   157        1,800.00       100.00       770.89         1,029.11          204,950.20

                                           Page 46 of 60
Annual                                                             Illustrates savings through extra principal payments.
         Semi-Annual
                 Payment:   Regular       Extra       Regular          Interest
    A        S   Number     Payment      Principal    Prin. Pay        Payment             Balance              Notes
                   158        1,800.00       100.00       775.25         1,024.75          204,074.95
                   159        1,800.00       100.00       779.63         1,020.37          203,195.32
                   160        1,800.00       100.00       784.02         1,015.98          202,311.30
                   161        1,800.00       100.00       788.44         1,011.56          201,422.86
         S         162        1,800.00       100.00       792.89         1,007.11          200,529.97
                   163        1,800.00       100.00       797.35         1,002.65          199,632.62
                   164        1,800.00       100.00       801.84           998.16          198,730.78
                   165        1,800.00       100.00       806.35           993.65          197,824.44
                   166        1,800.00       100.00       810.88           989.12          196,913.56
                   167        1,800.00       100.00       815.43           984.57          195,998.13
A        S         168        1,800.00       100.00       820.01           979.99          195,078.12
                   169        1,800.00       100.00       824.61           975.39          194,153.51
                   170        1,800.00       100.00       829.23           970.77          193,224.28
                   171        1,800.00       100.00       833.88           966.12          192,290.40
                   172        1,800.00       100.00       838.55           961.45          191,351.85
                   173        1,800.00       100.00       843.24           956.76          190,408.61
         S         174        1,800.00       100.00       847.96           952.04          189,460.65
                   175        1,800.00       100.00       852.70           947.30          188,507.96
                   176        1,800.00       100.00       857.46           942.54          187,550.50
                   177        1,800.00       100.00       862.25           937.75          186,588.25
                   178        1,800.00       100.00       867.06           932.94          185,621.19
                   179        1,800.00       100.00       871.89           928.11          184,649.30
A        S         180        1,800.00       100.00       876.75           923.25          183,672.54
                   181        1,800.00       100.00       881.64           918.36          182,690.91
                   182        1,800.00       100.00       886.55           913.45          181,704.36
                   183        1,800.00       100.00       891.48           908.52          180,712.88
                   184        1,800.00       100.00       896.44           903.56          179,716.45
                   185        1,800.00       100.00       901.42           898.58          178,715.03
         S         186        1,800.00       100.00       906.42           893.58          177,708.61
                   187        1,800.00       100.00       911.46           888.54          176,697.15
                   188        1,800.00       100.00       916.51           883.49          175,680.63
                   189        1,800.00       100.00       921.60           878.40          174,659.04
                   190        1,800.00       100.00       926.70           873.30          173,632.33
                   191        1,800.00       100.00       931.84           868.16          172,600.49
A        S         192        1,800.00       100.00       937.00           863.00          171,563.50
                   193        1,800.00       100.00       942.18           857.82          170,521.31
                   194        1,800.00       100.00       947.39           852.61          169,473.92
                   195        1,800.00       100.00       952.63           847.37          168,421.29
                   196        1,800.00       100.00       957.89           842.11          167,363.40
                   197        1,800.00       100.00       963.18           836.82          166,300.21
         S         198        1,800.00       100.00       968.50           831.50          165,231.72
                   199        1,800.00       100.00       973.84           826.16          164,157.87
                   200        1,800.00       100.00       979.21           820.79          163,078.66
                   201        1,800.00       100.00       984.61           815.39          161,994.06
                   202        1,800.00       100.00       990.03           809.97          160,904.03
                   203        1,800.00       100.00       995.48           804.52          159,808.55
A        S         204        1,800.00       100.00    1,000.96            799.04          158,707.59
                   205        1,800.00       100.00    1,006.46            793.54          157,601.13
                   206        1,800.00       100.00    1,011.99            788.01          156,489.13
                   207        1,800.00       100.00    1,017.55            782.45          155,371.58
                   208        1,800.00       100.00    1,023.14            776.86          154,248.44
                   209        1,800.00       100.00    1,028.76            771.24          153,119.68
         S         210        1,800.00       100.00    1,034.40            765.60          151,985.28
                   211        1,800.00       100.00    1,040.07            759.93          150,845.21
                   212        1,800.00       100.00    1,045.77            754.23          149,699.43

                                           Page 47 of 60
Annual                                                            Illustrates savings through extra principal payments.
         Semi-Annual
                 Payment:   Regular       Extra       Regular         Interest
    A        S   Number     Payment      Principal    Prin. Pay       Payment             Balance              Notes
                   213        1,800.00       100.00    1,051.50           748.50          148,547.93
                   214        1,800.00       100.00    1,057.26           742.74          147,390.67
                   215        1,800.00       100.00    1,063.05           736.95          146,227.62
A        S         216        1,800.00       100.00    1,068.86           731.14          145,058.76
                   217        1,800.00       100.00    1,074.71           725.29          143,884.05
                   218        1,800.00       100.00    1,080.58           719.42          142,703.47
                   219        1,800.00       100.00    1,086.48           713.52          141,516.99
                   220        1,800.00       100.00    1,092.42           707.58          140,324.58
                   221        1,800.00       100.00    1,098.38           701.62          139,126.20
         S         222        1,800.00       100.00    1,104.37           695.63          137,921.83
                   223        1,800.00       100.00    1,110.39           689.61          136,711.44
                   224        1,800.00       100.00    1,116.44           683.56          135,495.00
                   225        1,800.00       100.00    1,122.53           677.47          134,272.47
                   226        1,800.00       100.00    1,128.64           671.36          133,043.84
                   227        1,800.00       100.00    1,134.78           665.22          131,809.05
A        S         228        1,800.00       100.00    1,140.95           659.05          130,568.10
                   229        1,800.00       100.00    1,147.16           652.84          129,320.94
                   230        1,800.00       100.00    1,153.40           646.60          128,067.55
                   231        1,800.00       100.00    1,159.66           640.34          126,807.88
                   232        1,800.00       100.00    1,165.96           634.04          125,541.92
                   233        1,800.00       100.00    1,172.29           627.71          124,269.63
         S         234        1,800.00       100.00    1,178.65           621.35          122,990.98
                   235        1,800.00       100.00    1,185.05           614.95          121,705.94
                   236        1,800.00       100.00    1,191.47           608.53          120,414.47
                   237        1,800.00       100.00    1,197.93           602.07          119,116.54
                   238        1,800.00       100.00    1,204.42           595.58          117,812.12
                   239        1,800.00       100.00    1,210.94           589.06          116,501.18
A        S         240        1,800.00       100.00    1,217.49           582.51          115,183.69
                   241        1,800.00       100.00    1,224.08           575.92          113,859.61
                   242        1,800.00       100.00    1,230.70           569.30          112,528.90
                   243        1,800.00       100.00    1,237.36           562.64          111,191.55
                   244        1,800.00       100.00    1,244.04           555.96          109,847.51
                   245        1,800.00       100.00    1,250.76           549.24          108,496.74
         S         246        1,800.00       100.00    1,257.52           542.48          107,139.23
                   247        1,800.00       100.00    1,264.30           535.70          105,774.92
                   248        1,800.00       100.00    1,271.13           528.87          104,403.80
                   249        1,800.00       100.00    1,277.98           522.02          103,025.82
                   250        1,800.00       100.00    1,284.87           515.13          101,640.95
                   251        1,800.00       100.00    1,291.80           508.20          100,249.15
A        S         252        1,800.00       100.00    1,298.75           501.25           98,850.40
                   253        1,800.00       100.00    1,305.75           494.25           97,444.65
                   254        1,800.00       100.00    1,312.78           487.22           96,031.87
                   255        1,800.00       100.00    1,319.84           480.16           94,612.03
                   256        1,800.00       100.00    1,326.94           473.06           93,185.09
                   257        1,800.00       100.00    1,334.07           465.93           91,751.02
         S         258        1,800.00       100.00    1,341.24           458.76           90,309.77
                   259        1,800.00       100.00    1,348.45           451.55           88,861.32
                   260        1,800.00       100.00    1,355.69           444.31           87,405.63
                   261        1,800.00       100.00    1,362.97           437.03           85,942.66
                   262        1,800.00       100.00    1,370.29           429.71           84,472.37
                   263        1,800.00       100.00    1,377.64           422.36           82,994.73
A        S         264        1,800.00       100.00    1,385.03           414.97           81,509.71
                   265        1,800.00       100.00    1,392.45           407.55           80,017.26
                   266        1,800.00       100.00    1,399.91           400.09           78,517.34
                   267        1,800.00       100.00    1,407.41           392.59           77,009.93

                                           Page 48 of 60
Annual                                                                 Illustrates savings through extra principal payments.
         Semi-Annual
                 Payment:   Regular           Extra        Regular         Interest
    A        S   Number     Payment         Principal     Prin. Pay        Payment             Balance              Notes
                   268        1,800.00          100.00      1,414.95           385.05          75,494.98
                   269        1,800.00          100.00      1,422.53           377.47          73,972.45
         S         270        1,800.00          100.00      1,430.14           369.86          72,442.32
                   271        1,800.00          100.00      1,437.79           362.21          70,904.53
                   272        1,800.00          100.00      1,445.48           354.52          69,359.05
                   273        1,800.00          100.00      1,453.20           346.80          67,805.85
                   274        1,800.00          100.00      1,460.97           339.03          66,244.88
                   275        1,800.00          100.00      1,468.78           331.22          64,676.10
A        S         276        1,800.00          100.00      1,476.62           323.38          63,099.48
                   277        1,800.00          100.00      1,484.50           315.50          61,514.98
                   278        1,800.00          100.00      1,492.43           307.57          59,922.55
                   279        1,800.00          100.00      1,500.39           299.61          58,322.17
                   280        1,800.00          100.00      1,508.39           291.61          56,713.78
                   281        1,800.00          100.00      1,516.43           283.57          55,097.35
         S         282        1,800.00          100.00      1,524.51           275.49          53,472.83
                   283        1,800.00          100.00      1,532.64           267.36          51,840.20
                   284        1,800.00          100.00      1,540.80           259.20          50,199.40
                   285        1,800.00          100.00      1,549.00           251.00          48,550.40
                   286        1,800.00          100.00      1,557.25           242.75          46,893.15
                   287        1,800.00          100.00      1,565.53           234.47          45,227.61
A        S         288        1,800.00          100.00      1,573.86           226.14          43,553.75
                   289        1,800.00          100.00      1,582.23           217.77          41,871.52
                   290        1,800.00          100.00      1,590.64           209.36          40,180.88
                   291        1,800.00          100.00      1,599.10           200.90          38,481.78
                   292        1,800.00          100.00      1,607.59           192.41          36,774.19
                   293        1,800.00          100.00      1,616.13           183.87          35,058.06
         S         294        1,800.00          100.00      1,624.71           175.29          33,333.35
                   295        1,800.00          100.00      1,633.33           166.67          31,600.02
                   296        1,800.00          100.00      1,642.00           158.00          29,858.02
                   297        1,800.00          100.00      1,650.71           149.29          28,107.31
                   298        1,800.00          100.00      1,659.46           140.54          26,347.85
                   299        1,800.00          100.00      1,668.26           131.74          24,579.59
A        S         300        1,800.00          100.00      1,677.10           122.90          22,802.48
                   301        1,800.00          100.00      1,685.99           114.01          21,016.50
                   302        1,800.00          100.00      1,694.92           105.08          19,221.58
                   303        1,800.00          100.00      1,703.89            96.11          17,417.69
                   304        1,800.00          100.00      1,712.91            87.09          15,604.78
                   305        1,800.00          100.00      1,721.98            78.02          13,782.80
         S         306        1,800.00          100.00      1,731.09            68.91          11,951.71
                   307        1,800.00          100.00      1,740.24            59.76          10,111.47
                   308        1,800.00          100.00      1,749.44            50.56           8,262.03
                   309        1,800.00          100.00      1,758.69            41.31           6,403.34
                   310        1,800.00          100.00      1,767.98            32.02           4,535.36
                   311        1,800.00          100.00      1,777.32            22.68           2,658.03
A        S         312        1,800.00          100.00      1,786.71            13.29             771.32
                                         (last payment not shown)




                                             Page 49 of 60
                                                          Tools and Calculators

 Spending Reduction Calculator                             Income Planner                             How Much and How Long?
Examine Each of Your Spending Categories     List, Evaluate, and Rate Ideas for Increasing Your   How much money and how long will it take to




                  The links below are to calculators located on the Crown Ministries website.

                                      Budgeting Calculators
                                  ?     Budgetometer
                                  ?     Spending Plan Calculator
                                  ?     Irregular Payments Budget Calculator
                                      Credit Card Calculators
                                  ?     Credit Card Minimum Payment Interest Calculator
                                  ?     Fixed Vs. Minimum Payment Calculator
                                      Debt Calculators
                                  ?     Accelerated Debt Payoff Calculator
                                  ?     Debt Calculator
                                  ?     Debt Investment Calculator
                                  ?     Debt Payoff Goal Calculator
                                      Home Buying & Selling Calculators
                                  ?     Rent Vs. Buy Calculator
                                      Loan Calculators
                                  ?     Bi-Weekly or Monthly Loan Calculator
                                  ?     Loan Payment Calculator with Amortization Schedule
                                      Mortgage Calculators
                                  ?     Mortgage Pre-Payment Calculator
                                  ?     15 vs 30 Year Loan Comparison
                                  ?     ARM vs Fixed Rate Mortgage Calculator
                                  ?     Mortgage Consolidation & Refinancing Calculator
                                  ?     Mortgage Payment Calculator w/Amortization
                                  ?     Mortgage Payoff Goal Calculator
                                  ?     Mortgage Qualification Calculator
                                  ?     Mortgage Refinancing Calculator
                                  ?     Mortgage Term Comparison Calculator
                                      Savings/Retirement Calculators
                                  ?     College Funding Calculator
                                  ?     Monthly Deposit Savings Calculator w/Compounding Comparison
                                  ?     Retirement Savings Calculator
                                  ?     Savings Goal Calculator
                                  ?     Single Deposit Savings Calculator
                                      Transportation Calculator
                                  ?     Auto Payment Comparison Calculator
                                  ?     Automobile Affordability Calculator
                                  ?     Automobile Loan Payment Calculator
                                      Work-Related Calculators
                                  ?     One Income Calculator
                                  ?     Real Hourly Wage Calculator
                                  ?     Wage Conversion Calculator
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8. Three more ways to budget…                                                                                                          <Back       Next>        8 of 11




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