Saturday, July 8, 2017

Table of Contents

Table of Contents

Links to posts in chronological order -- use browser back arrow to return to this post

Plans for this blog

Why Scratch?

Longevity Graphs

Retirement Income Scenarios

Video on Longevity

Savings and Income Scenario Settings

The X% Rule

Investment Returns and Inflation

RMD Accounts

Analyzing Multiple Scenarios

Year/Year Incomes

Present Values

Pricing Kernels 

The RISMAT E-book and Software

Using the Scratch Software

     Go to

         To put Scratch in turbo mode, hold the shift key then click the green flag
         To see the program full-screen, click the icon in the upper left corner
         To select an item from the main menu, click the corresponding screen button
         To turn context-sensitive help on or off, press the keyboard up arrow key
         To return to the main menu, press the keyboard left arrow key
         The release date of the software will be included in the title (RIS-yyyymmdd)


  1. In this essay I will consider the social, economic and political factors of Retirement Planning. I really, really like Retirement Planning. Until recently considered taboo amongst polite society, there are just not enough blues songs written about Retirement Planning.

  2. I find my self constantly drawn back to the subject of Retirement Planning. Cited by many as the single most important influence on post modern micro eco compartmentalism, Retirement Planning is not given the credit if deserves for inspiring many of the worlds famous painters. It still has the power to shock global commercial enterprises, obviously. Relax, sit back and gasp as I display the rich tapestries of Retirement Planning.

  3. I find my self constantly drawn back to the subject of Retirement Planning. Cited by many as the single most important influence on post modern micro eco compartmentalism, Retirement Planning is not given the credit if deserves for inspiring many of the worlds famous painters. It still has the power to shock global commercial enterprises, obviously. Relax, sit back and gasp as I display the rich tapestries of Retirement Planning.

  4. I just want enough money when I retire to hire someone who can take care of me. Then I will spend my time traveling and seeing the world. If I ever run in to medical complications I will be able to deal with them quickly with their help.

  5. When should I start planning on saving for my retirement? I don't want to start when it's too late and be constantly worried about money. I'm making a good amount now but should I start putting it away for retirement or for other saving purposes?

  6. for quick Loans and easy loans contact uk today loans service provider


  7. Why is it so important to know the thanks to write a decent essay? Among the tutorial world,
    associate degree essay represents your purpose of browse. Associate essay can be a sort of communication; it's a way to say "I assume...".
    A good essay works to persuade your audience as if you were disputation with them within the flesh. As a result of this it's important to remember that you {simply|that you just} simply ought to anticipate your readers' queries,
    and you wish to look at bent on agitate any weaknesses in your argument.


  8. A proper idea gives you positive result that you need to share a lifetime of your essay,
    we can give you some information on the demand of essayturbo,
    understanding, and reacting appropriately to your main idea.see more,

  9. Read your favorite quotes by clicking the link below
    its a mobile friendly website , made in latest technology
    Good Quotes-
    Cute Quotes-
    Positive Quotes-
    inspirational sayings
    thankful quotes
    Paulo coelho quotes
    short quotes
    Veterans Day Quotes

  10. easy income paidverts,marketpaid,clixsense,fanslave...tutorial.bangla..go to link............................

  11. I would like to thank you for the efforts you've put
    in writing this blog. I really hope to view the same high-grade content by you later on as well. In fact, your creative writing abilities has motivated me to get my very own blog now.

  12. really wonderful and quality Savings Equals Investment and Retirement Income Scenarios to be share with us. thanks for lunching.

    small business grow consultant in uk | small business money investment consultant in uk

  13. is the best options to choose Employee Benefits, Life Insurance Retirement Plans and Group Health Insurance or Employee Benefits Guide.

  14. It was an amazing experience to visit this website and read the articles and contents.

    Advance Commission
    Commission Flow

  15. Hi fellas,
    Thank you so much for this wonderful article really!
    If someone want to read more about that income streamg I think this is the right place for you!

  16. A free resource to double check your retirement income options ...Visit today!

  17. A free resource to double check your retirement income options ...Visit today!

  18. Very Nice Blog Its Very Interesting And Useful For Financial Planning Company. thank you For Posting And Sharing With Us.
    Financial Planning Company.


    telas mosquiteira
    telas mosquiteiro

    As telas mosquiteira sp , telas mosquiteiro sp garantem ar puro por toda casa livrando-a completamente dos mosquitos e insetos indesejáveis. As telas mosquiteira garantem um sono tranquilo a toda família, livrando e protegendo-nas dos mais diversos insetos. Muitos destes insetos são transmissores de doenças e a tela mosquiteira é indispensável no combate a mosquitos transmissores de doenças.

    A dengue, por exemplo, já matou centenas de pessoas só na capital de São Paulo e um pequeno investimento em nossas telas mosquiteiras podem salvar vidas. As telas mosquiteiras também impedem a entrada de insetos peçonhentos como as aranhas e os escorpiões, estes insetos também oferecem risco, pois seu veneno em poucos minutos podem levar uma criança a morte.
    telas mosquiteira jundiai
    telas mosquiteiro jundiai
    telas mosquiteira aplhaville
    telas mosquiteiro alphaville
    telas mosquiteira granja viana
    telas mosquiteiro granja vinana
    telas mosquiteira cotia
    telas mosquiteiro cotia
    telas mosquiteira tambore
    telas mosquiteiro tambore

    A chegada da temporada Primavera/Verão traz consigo a elevação da temperatura e a maior ocorrência de chuvas. Mas não é só isso. As estações mais quentes do ano causam muita dor de cabeça e muitos zumbidos indesejáveis em função das pragas urbanas – pernilongos, baratas, cupins e outros insetos -, que afetam todas as regiões brasileiras.

    Nossa missão é oferecer telas mosquiteiras de qualidade a um preço acessível, fazendo com que as telas mosquiteiras sejam uma opção viável para muitas pessoas.

    telas mosquiteiras Jundiaí
    telas mosquiteiro Jundiai
    telas mosquiteiras jundiai
    telas mosquiteiro industria
    telas mosquiteira restaurante
    telas mosquiteiro restaurante
    telas mosquiteira empresa
    telas mosquiteiro empresa

  20. Amazing Blog I Have Read Your Blog It Is Very Interesting And useful For SIP Mutual Funds Thank You For Posting and Sharing With Us And Your Writting Style Is Very Good.
    SIP Mutual Funds.

  21. Forex is a somewhat unique market for a number of reasons. Firstly, it is one of the few markets in which it can be said with very few qualifications that it is free of external controls and that it cannot be manipulated. It is also the largest liquid financial market, with trade reaching between 1 and 1.5 trillion US dollars a day. With this much money moving this fast, it is clear why a single investor would find it near impossible to significantly affect the price of a major currency. Furthermore, the liquidity of the market means that unlike some rarely traded stock, traders are able to open and close positions within a few seconds as there are always willing buyers and sellers. To know more about forex signals trading. You visit :

  22. very nice blog thanks for the sharing the information about fiance planning and very nice article.

  23. This comment has been removed by the author.

  24. Foreign exchange is a buying and selling ‘method’ also called FX or and international market exchange. Those concerned within the overseas alternate markets are among the largest corporations and banks from around the world, buying and selling in currencies from numerous nations to create a balance as some are going to achieve cash and others are going to lose money. The basics of forex are just like that of the stock market present in any country, however on a a lot bigger, grand scale, that involves people, currencies and trades from all over the world, in nearly any country. Best Forex Trading Website. visit Forex signals

  25. Very informative article which is about the investment or carver and i must bookmark it, keep posting interesting articles.
    investment or carver

  26. Reading your blog is an amazing experience to gain. That is the reason I love reading your blog. Keep sharing such kind of information.
    Lancaster, PA retirement homes

  27. It is very important to secure future before retirement.This is the reason many companies are providing benefits ans attractive plans of investment. Really great share.
    Lancaster, PA nursing homes  

  28. I am glad you take pride in what you write. This makes you stand way out from many other writers that push poorly written content.
    forex signals review

  29. Forex Trading is a great way to make passive income. To win in forex market, a trader needs to develop a strategy. Most often it is difficult for a trader to develop a successful strategy if he is busy with other jobs and profession. For this business, most often a trader cannot trade timely, even he can not execute the signals of successful traders. But technology has made it possible to follow and execute the trades of successful traders in your trading account. The name of technology is Forex Trade Copier. Forex trade copier can copy trades from a successful trader account to your account instantly without your being present simultaneously. It is an amazing process. Now you can trade like a pro trader.

  30. COEPD LLC- Center of Excellence for Professional Development is the most trusted online training platform to global participants. We are primarily a community of Business Analysts who have taken the initiative to facilitate professionals of IT or Non IT background with the finest quality training. Our trainings are delivered through interactive mode with illustrative scenarios, activities and case studies to help learners start a successful career. We impart knowledge keeping in view of the challenging situations individuals will face in the real time, so that they can handle their job deliverables with at most confidence.

  31. Howdy! Do you know if they make any plugins to safeguard against hackers? I'm kinda paranoid about losing everything I've worked hard on. Any tips?Retirement Flats

  32. Are you looking for a business loan, personal loans, mortgage loans, car loans, student loans, unsecured consolidation loans,project funding etc ... Or simply refuse loan from a bank or financial institution for one or more reasons? We are the right solutions for credit! We offer loans to businesses and individuals with low and affordable interest rate of 2%. So if you are Interested in an urgent and secured loan. For more information kindly email us today Via:

  33. Thank you for sharing such useful information... i really like it..
    nice blog you had described in detail...
    Financial Planners

  34. I will recommend anyone looking for Business loan to Le_Meridian they helped me with Four Million USD loan to startup my Quilting business and it's was fast When obtaining a loan from them it was surprising at how easy they were to work with. They can finance up to the amount of $500,000,000.000 (Five Hundred Million Dollars) in any region of the world as long as there 1.9% ROI can be guaranteed on the projects.The process was fast and secure. It was definitely a positive experience.Avoid scammers on here and contact Le_Meridian Funding Service On. / WhatsApp...+ 19893943740. if you looking for business loan.

  35. Thank you for sharing insightful information about retirement. Now you can calculate your retirement with online calculator.

  36. Really impressed! Everything is very open and very clear clarification of issues. It contains truly facts. Your website is very valuable. Thanks for sharing.
    Christopher Casacci

  37. I want to share with you all on how I got my loan from a very good and honest loan company registered in USA, as I was applying as a start-up loan it took me several documentation to meet up with their conditions but Godswilling I got through and it was smooth to work with as an entrepreneur.Contact for all kind of financial assistance such as loans and investment facilities.

  38. An honest site provides you with the run-time information regarding the procedures to use for credit cards, surrendering credit cards and taking over an policy for that sake.
    personal finance

  39. Market reading by a private finance site expert provides good quality data which you'll further use to derive decisions about taking over of rejecting a policy.
    personal finance


  40. Hi everyone, I am Jesus Mckinney from Texas and I just want to say a very resounding thank you to Financial loan services from Benjamin Lee for their sincerity, Openness, Transparency, Truthfulness, Love and support during and after getting loan funds from them. I have been through a lot and time won’t permit me to say all that I went through online in the guest or getting a loan funds to get a home here in USA but God answered my prayers through the support and love from Benjamin Lee who embraced me and understood me despite my initial doubt and unseriousness and with his good heart and love I am now a home owner through his 2% interest rate loan funds and I have vow to spread this news and also tell the world that there are still genuine and few good online loan firms out there that can assist and also revive a dry bone.

    Don’t fail to listen and read this testimony because this is a true life changing experience and anyone that needs this kind of turn around should not hesitate or doubt this because I have proven and I swear to God in Heaven that this story is real and also the story of my experience with them .

    Contact them today.

    WhatsApp Text : (+1 989-394-3740)


  41. Recording success in Cryptocurrency, Bitcoin is not just buying and holding till when bitcoin sky-rocks, this has been longed abolished by intelligent traders ,mostly now that bitcoin bull is still controlling the market after successfully defended the $40,000 support level once again ad this is likely to trigger a possible move towards $50,000 resistance area However , it's is best advice you find a working strategy by hub/daily signals that works well in other to accumulate and grow a very strong portfolio ahead. I have been trading with Mr Carlos daily signals and strategy, on his platform, and his guidance makes trading less stressful and more profit despite the recent fluctuations. I was able to easily increase my portfolio in just 3weeks of trading with his daily signals, growing my 0.9 BTC to 2.9BTC. Mr Carlos daily signals are very accurate and yields a great positive return on investment. I really enjoy trading with him and I'm still trading with him, He is available to give assistance to anyone who love crypto trading and beginners in bitcoin investment , I would suggest you contact him on WhatsApp: +1(424)285-0682 and telegram : @IEBINARYFX for inquires and profitable trading platform systems. Bitcoin is taking over the world.