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L!5< "  : hL5LO[L5< ]     <  h5 5&<b5m5 55 h5b+,h5b+,5 55h5  c < s -d <   < 4  < .d        [ : c c  c h586[ /[  u  !  ~ [ h5q% 0 d : c  0 d :  n : h5k%3%0 d  : % [ % : h5k%3%d  h5%07h5 { h5 1 YES1 NOh5h51 ?hes7{ s7N7V7{ m7s7h5F7k%  {7h5&7h5 h5< -.[ 09?k%+%d ?h5  <t3< 70 7 s : } 7 h5 a7s P!7h57s < Yd [ yd ? h57 h5766h5a s  h5  hee8E8e8=88E8O8e8h5k%  m8 :  h5R( <R(a 8877(n* p5t5H4(7k%3%d :  (hL 5 8} h Y59 Q   < 3 h5< Q   < 3 h5<  { + [     <.+ h51 Understanding Marginal Tax Ratesh51 "Helps you find and understand your1 marginal tax ratesh51 Single Savings Depositsh51 !Finds what a deposit in a savings1 account earns over timeh51 Monthly Savings Depositsh51 "Finds what regular monthly savings1 deposits earn over timeh51 "Deposit Needed for Future Purchaseh51 $Finds deposit required now to obtain1 specified future buying powerh51 #Monthly Deposit for Future Purchaseh51 !Finds monthly deposit required to1 $obtain specified future buying powerh51 Living on Your Savingsh51 Finds the effect of withdrawing1 constant buying power monthlyh51 Making Your Savings Last Foreverh51 !Finds the monthly withdrawal that1 won't change your balanceh51 "Earning Interest on Treasury Billsh51 !Finds T-bill interest and rate of1 returnh51 "Earning with Long Term Investmentsh51 $Finds earnings and rate of return on1 capital gainsh51 !Finding Equivalent Interest Ratesh51 !Finds the interest rate needed to1 produce the same profit as an1 $investment which will pay a lump sum1 in the futureh51 A Single Payment's Present Valueh51 #Finds the present value of a future1 amounth51 Monthly Payments' Present Valueh51 #Finds the present value of a series1 of monthly paymentsh51 Saving Money with IRAsh51 #Compares growth of IRA deposit with1 regular savings deposith51 An IRA's Future Valueh51 %Finds the future value of regular IRA1 depositsh51 Living from an IRAh5;h51 Early Withdrawals from an IRAh51 "Finds tax and penalty on early IRA1 withdrawalh51 How Much Life Insurance You Needh51 &Finds life insurance needed to provide1 steady monthly buying powerh51 Mortgage Schedule, Yearlyh51 $Finds the monthly payment and yearly1 principal, interest, and balanceh51 Mortgage Schedule, Monthlyh51 %Finds the monthly payment, principal,1 interest, and balanceh51 #Variable Rate and Payment Mortgagesh51 %How a variable rate, variable payment1 !loan affects your monthly paymenth51 "Variable Rate, Fixed Payment Loansh51 "How a variable rate, fixed payment1 #loan affects your monthly principalh51 Interest Only Second Mortgagesh51 Finds the payments for a first1 %mortgage plus an interest only secondh51 Mortgages with Balloonsh51 Finds monthly and final payments1 for mortgage with balloonh51 A Loan's Interest Rateh51 !Finds the loan interest rate when1 &you know the loan's payment and lengthh51 Refinancing Your Homeh51 &Shows the impact of refinancing a loanh51 Retiring Your Mortgage Earlyh51 #Finds the monthly payment needed to1 pay off a loan earlyh51 Buying or Renting a Homeh51 &Compares the cost of buying vs rentingh51 Energy Saving Devicesh51 Shows whether an energy saving1 investment pays off financiallyh51 Owning Your Carh51 &Shows the monthly cost of owning a carh51 Fixing Your Carh5D1 you must repairh51 Buying Your Carh51 #Finds present value of buying a carh51 Leasing Your Carh51 $Finds present value of leasing a carh59 [   < 3  { h5< Eh5< E1  $h5< E1  %h5< E+ + h FInterest rate earned FCompounding periods FInflation rate FMortgage interest rate FFed. marginal tax rate FState marginal tax rate FCapital gains rate FMarginal tax rate EAmount of deposit FNumber of years EBuying power you want E Future amount EMonthly payment EExpected monthly payment EInitial savings balance EMonthly withdrawal EInitial monthly income FYears to receive income EYearly deposit FNumber of payments EInitial IRA balance E Down payment EAmount of mortgage FLength of mortgage FYear balloon is due EFirst mortgage amount ESecond mortgage amount FYears already paid FYears until payoff EDo you itemize? (y/n): EMonthly fuel bill FFuel increase rate ECost to install device EMonthly fuel savings E Tax credit EPurchase price FYears until sale EEstimated resale value EAnnual maint, ins, fees FTax rate at retirement FMiles driven per year EGas price per gallon FMiles per gallon EAmount financed FYear to review EPayoff penalty EAmount of new loan F Points paid FYears paid on loan EOriginal mortgage amount ECurrent car value ECost to repair ETaxable income last year EFed. tax paid last year EState tax paid last year ERedemption price EService charges F Days held E Monthly rent FAnnual rent increase EProperty taxes ECurrent mortgage balance ECar's value when sold FYears to analyze EMonthly deposit FLoan interest rate FBusiness deduction E Final payment EMonthly payment EInitial payment E Selling costs ERepair costs financed EAmount you need FLength of loan, years ETrade-in value of car EExpected future value FTax rate, renting FTax rate, buying EAnnual maint. & insur. 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