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.
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
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
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?
scary if you realize what things really cost, isn't it?