J and L Financial Planner v6.1 Incl. Keygen (c)

rELEASe dATe [..02/18/2002] - pROGRAm tYPe [......Utility]
cRACKEr [.........EPS Team] - pROTECTIOn [..Serial number]
sUPPLiEr [........EPS Team] - dISKS nUMBERs [...01*2.88MB]
pACKAGEr [........EPS Team] - oS [.........Win9x/Me/2K/ME]
tESTEr [..........EPS Team] - diSKSEt iNFOs [epsjlfcp.zip]

The Retirement and Financial Planner is designed to create
a financial plan comprised of financial events that take
place during your life.
To create a plan:

1. You create accounts that represent your current
investments, assets, equity and the return rates for each.
2. You fill out an initial values form which contains the
age you wish the plan to begin and the age you wish the
plan to end. Use this form to set your effective income
tax rate as well as the inflation rate.
3. You assemble a Financial Scenario consisting of money
related events. Each event is applied to the scenario at
the event’s start age until the event’s end age. These
events represent a deposit to or a withdrawal from one of
your accounts. There is an event available that allows you
to change the fundamental rates with which the scenario is
calculated.

4. You run the scenario to see how your accounts are
affected by the events.
Assumptions:
The Retirement and Financial Planner makes a number of
assumptions.
The first assumption is that your savings and investments
consist of the following types:
1. Investment Savings -- The interest earned on these
investments is taxed. Withdrawals are not taxed.
2. Tax-free Savings -- The interest earned on these
investments is not taxed. Withdrawals are not taxed.

3. Retirement Savings -- The interest earned on these
investments is not taxed. Withdrawals are taxed.
4. Assets--cars, boats, household furnishings, etc.

Important: The program will not withdraw from an Asset
account.

5. Equity--real estate.

Important: The program will not withdraw from an Equity
account.

The second assumption is that all of the events that
affect your money are triggered by your age. For example
your Social Security starts at a particular age. You can
withdraw from an IRA after a particular age. Therefore all
of the events that make up your Financial Scenario start
at an age (your age at the time the event first takes
place) and ends at an age (your age when the event stops).

The third assumption is when an event requires money to be
withdrawn from your accounts the Retirement and Financial
Planner does it in the sequence defined in the Accounts
Dialog.

Important: The program will not withdraw from an Asset or
Equity account.

When the money in an account is depleted the next account
in order is accessed.

If the withdrawal has to be made from your Retirement
Savings accounts before the qualification age -- the
Retirement and Financial Planner will withdraw the
required penalties and taxes.

If the withdrawal is made from your Retirement Savings
accounts after the qualification age is reached the
required taxes are assessed.

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