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Vehicle
cost matrix (.xls)
- A spreadsheet to evaluate vehicle repair value vs. time.
- Of course mine's
worth the repairs... it's a Toyota!
- You can also use
the spreadsheet for time calculations.
Gas
mileage calculations and scenarios (.xls)
A spreadsheet to help
with gasoline expense planning.
If you don't have
a way to open MS Office documents, try this free office emulator-- www.openoffice.org
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How
compounding interest seriously affects both savings and expenses.
A simple spreadsheet
to plot your empire!
The S&P 500 index has averaged
around 12% for about 50 years, which beats 90% of managed mutual funds
without the risk of individual stocks. All you have to do to make
good returns, is invest your ROTH in a simple S&P 500 index fund... so
start now and retire rich !
Even better, consider the index
fund HFCGX. The HFCGX strategy was built on 45 years
of historical market data, with an average annual yield (for 45 years) of
18.8%!
Also, any purchase you make now
will have a tremendous cost at retirement, from loss of investment
returns. That $100 (cash) purchase when you're 30 years old, will
cost you $6,531 (in 12% compounding lost) at 65 years old! And that
$1000 purchase will cost you $65,310 !
Do you think you can afford that $65,000 when you're retired?
It's
scary if you realize what things really cost, isn't it?
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