ÿþ<HTML> <HEAD> <TITLE>Benefit of Spending Less</TITLE> <META HTTP-EQUIV="Content-Type" CONTENT="text/html; charset=iso8859-1"> <META NAME="description" CONTENT="Financial Calculators, ©1998-2010 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net"> <STYLE> <!-- BODY, TABLE, TD, TH, UL, OL, DD, DL, P, BR { font-family: helvetica, arial, sans-serif; font-size: 10pt; } H1 { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } DT { font-family: helvetica, arial, sans-serif; font-size: 10pt; font-weight: bold; } P.footer { font-family: helvetica, arial, sans-serif; font-size: 9pt; } DIV.large { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } --> </STYLE> </HEAD> <!-- Financial Calculators, ©1998-2008 KJE Computer Solutions, LLC. 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For more information please see: <A HREF="http://www.dinkytown.net">http://www.dinkytown.net</A> --> <H1>Benefit of Spending Less</H1><P>Reducing your spending can be worth more than you might think. Use this calculator to see just how much your budget reductions may be worth, if you were to invest them. View the value of this new potential nest egg both with and without taxes factored in.<P><CENTER> <!--[if IE]><object name="calculator" classid="clsid:8AD9C840-044E-11D1-B3E9-00805F499D93" codebase="http://java.sun.com/update/1.6.0/jinstall-6-windows-i586.cab#Version=1,4,0,0" height="380" width="565"><param name="code" value="SpendLess" /><param name="archive" value="dinkytown.jar" /> <P style="font-size:1px; color: #ffffff" line-height: 1px><![endif]--><![if !IE]><P style="font-size:1px; color: #ffffff" line-height: 1px><![endif]></P><![if !IE]><APPLET name="calculator" code="SpendLess.class" align="baseline" WIDTH="565" HEIGHT="380" archive="dinkytown.jar"><![endif]> <PARAM name="RATE_OF_RETURN" value="2"> <PARAM name="YEARS_OF_SAVING" value="10"> <PARAM name="STATE_TAX_RATE" value="10"> <PARAM name="FEDERAL_TAX_RATE" value="25"> <PARAM name="EAT_OUT_LESS" value="25"> <PARAM name="FEWER_VACTIONS" value="0"> <PARAM name="FEWER_MOVIES" value="0"> <PARAM name="OTHER_ENTERTAINMENT" value="0"> <PARAM name="CLIP_COUPONS" value="10"> <PARAM name="PAYOFF_CREDIT_CARDS" value="0"> <PARAM name="WAIT_FOR_NEW_CAR" value="0"> <PARAM name="OTHER_BUDGET" value="15"> <PARAM name="DISCONNECT_CABLE_TV" value="0"> <PARAM name="ELIMINATE_CELL_PHONE" value="0"> <PARAM name="REDUCE_LONG_DISTANCE" value="0"> <PARAM name="OTHER_UTILITY" value="0"> <!--CUSTOM PARAMETERS--> <PARAM name="TEXT_FOR_REPORT" value="<HTML> <HEAD> <TITLE>Benefit of Spending Less</TITLE> <META HTTP-EQUIV='Content-Type' CONTENT='text/html; charset=iso8859-1'> <META NAME='description' CONTENT='Financial Calculators, &QCPQ;1998-2010 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net'> <STYLE> <!-- BODY, TABLE, TD, TH, UL, OL, DD, DL, P, BR { font-family: helvetica, arial, sans-serif; font-size: 10pt; } H1 { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } DT { font-family: helvetica, arial, sans-serif; font-size: 10pt; font-weight: bold; } P.footer { font-family: helvetica, arial, sans-serif; font-size: 9pt; } DIV.large { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } --> </STYLE> </HEAD> <BODY bgcolor='#FFFFFF' LINK='#003399' VLINK='#666666' BGCOLOR='#FFFFFF'> <CENTER><table border=0 bgcolor='#000000' width=468 cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFDD' border=0 width=468 cellspacing=1 cellpadding=5><tr><td width='100%' align=center valign=middle><DIV class=large>Spending Less Results</DIV></td></tr></table></TD></TR></TABLE></CENTER> <H1>You could save TAX_DEFERRED_TOTAL in YEARS_OF_SAVING years.</H1>**GRAPH**<P>By spending MONTHLY_SAVINGS less per month and investing that amount at RATE_OF_RETURN you could save TAX_DEFERRED_TOTAL before taxes in YEARS_OF_SAVING years. If you pay taxes on your savings, this amount would be reduced to SAVINGS_TOTAL with a combined state and federal marginal tax rate of MARGINAL_TAX_RATE. <P> <CENTER> <table border=0 bgcolor='#000000' width=95% cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFFF' border=0 width=100% cellspacing=1 cellpadding=5> <TR BGCOLOR='CCCCCC'><TD COLSPAN=2 ALIGN=CENTER><B>Results Summary</B></TD></TR> <TR><TD ><b>Monthly savings (from spending less)</b></TD><TD >MONTHLY_SAVINGS</TD></TR> <TR><TD ><b>Total savings before taxes (or tax deferred)</b></TD><TD >TAX_DEFERRED_TOTAL</TD></TR> <TR><TD ><b>Total savings after taxes</b></TD><TD >SAVINGS_TOTAL</TD></TR> </TABLE></TD></TR></TABLE> </CENTER> <H1>Your input values</H1><CENTER> <table border=0 bgcolor='#000000' width=95% cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFFF' border=0 width=100% cellspacing=1 cellpadding=5> <TR BGCOLOR='CCCCCC'><TD COLSPAN=4 ALIGN=CENTER><B>Input Summary</B></TD></TR> <TR><TD ><b>Monthly savings</b></TD><TD >MONTHLY_SAVINGS</TD><TD ><b>Years to save</b></TD><TD >YEARS_OF_SAVING</TD></TR> <TR><TD ><b>Rate of return</b></TD><TD >RATE_OF_RETURN</TD><TD ><b>Total contributions over YEARS_OF_SAVING years</b></TD><TD >TOTAL_CONTRIBUTIONS</TD></TR> <TR><TD ><b>Federal tax rate</b></TD><TD >FEDERAL_TAX_RATE</TD><TD ><b>State tax rate</b></TD><TD >STATE_TAX_RATE</TD></TR> </TABLE></TD></TR></TABLE> <P> <table border=0 bgcolor='#000000' width=95% cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFFF' border=0 width=100% cellspacing=1 cellpadding=5> <TR BGCOLOR='CCCCCC'><TD COLSPAN=4 ALIGN=CENTER><B>Proposed Monthly Spending Decreases</B></TD></TR> <TR BGCOLOR='CCCCCC'><TD COLSPAN=4 ><B>Entertainment expenses:</B></TD></TR> <TR><TD ><b>Eat out less</b></TD><TD >EAT_OUT_LESS</TD><TD ><b>Fewer vacations</b></TD><TD >FEWER_VACTIONS</TD></TR> <TR><TD ><b>Fewer movies</b></TD><TD >FEWER_MOVIES</TD><TD ><b>Other entertainment savings</b></TD><TD >OTHER_ENTERTAINMENT</TD></TR> <TR BGCOLOR='CCCCCC'><TD COLSPAN=4 ><B>Budget expenses:</B></TD></TR> <TR><TD ><b>Clip coupons</b></TD><TD >CLIP_COUPONS</TD><TD ><b>Pay off credit cards</b></TD><TD >PAYOFF_CREDIT_CARDS</TD></TR> <TR><TD ><b>Wait to purchase new car</b></TD><TD >WAIT_FOR_NEW_CAR</TD><TD ><b>Other budget savings</b></TD><TD >OTHER_BUDGET</TD></TR> <TR BGCOLOR='CCCCCC'><TD COLSPAN=4 ><B>Utility expenses:</B></TD></TR> <TR><TD ><b>Disconnect cable TV</b></TD><TD >DISCONNECT_CABLE_TV</TD><TD ><b>Eliminate cell phone</b></TD><TD >ELIMINATE_CELL_PHONE</TD></TR> <TR><TD ><b>Reduce long distance costs</b></TD><TD >REDUCE_LONG_DISTANCE</TD><TD ><b>Other utility savings</b></TD><TD >OTHER_UTILITY</TD></TR> </TABLE></TD></TR></TABLE> </CENTER> <P><DIV class=large>Savings balances by year</DIV> <HR SIZE=1> **REPEATING GROUP** <BR> <HR SIZE=1> <CENTER><P class=footer> Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P></CENTER><br><br> </BODY> </HTML> "> <H1><CENTER>This Financial Calculator requires SUN's Java"! Plug-in. If you see this message you will need to download SUN's Java"! Plug-in. This can be done automatically by clicking the yellow bar at the top of your browser and choosing  Install ActiveX Control . </CENTER></H1> <OL> You can also get SUN's Java"! Plug-in here: <A href="http://www.java.com/en/download/download_the_latest.jsp" target=_blank><b>Get the Java"! Plug-in!</b></A> <P>For more information about this Plug-in please visit: <A href="http://www.dinkytown.net/money/sunjvm.html" target=_blank><b>SUN's Java"! Plug-in</b></A> <BR>For more information these financial calculators please visit: <A href="http://www.dinkytown.net" target=_blank><b>Financial Calculators from KJE Computer Solutions, LLC</b></A> </OL><!--[if IE]></OBJECT><![endif]--><![if !IE]></APPLET><![endif]> </CENTER><CENTER><SCRIPT>document.write(showbuttons())</SCRIPT> </CENTER> <H1>Definitions</H1><P><TABLE align='center' WIDTH="95%"><TR><TD><DL><!--DEFN_START--> <DT><B>Monthly savings</B><DD>The total amount that you could invest per month by spending less. This amount is calculated by adding up your potential entertainment, budget and utility savings.<P> <DT><B>Annual rate of return</B><DD>This is the annually compounded rate of return you expect from your investments. The actual rate of return is largely dependent on the type of investments you select. For example, from December 1999 to December 2009, the average annual compounded rate of return for the S&P 500 was -0.6%, including reinvestment of dividends. From January 1970 to December 2009, the average annual compounded rate of return for the S&P 500, including reinvestment of dividends, was approximately 10.1% (source: www.standardandpoors.com). Since 1970, the highest 12-month return was 61% (June 1982 through June 1983). The lowest 12-month return was -43% (March 2008 to March 2009). Savings accounts at a bank may pay as little as 1% or less but carry significantly lower risk of loss of principal balances.<P>It is important to remember that these scenarios are hypothetical and that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment. It is not possible to invest directly in an index and the compounded rate of return noted above does not reflect sales charges and other fees that funds and/or investment companies may charge.<P> <DT><B>Years to save</B><DD>The total number of years you plan to save.<P> <DT><B>Federal tax rate</B><DD>The federal tax rate you expect to pay on your taxable investments.<P> <DT><B>State tax rate</B><DD>The state tax rate you expect to pay on your taxable investments.<P> <DT><B>Total savings before taxes</B><DD>Total value of your savings before taxes are taken into account. Most regular savings accounts and investment accounts are taxable. However, if your savings is being invested into a tax deferred or tax-free investment this total may be important to you.<P> <DT><B>Total savings after taxes</B><DD>The total amount you would have accumulated in a taxable account. All taxes are assumed to be paid as your earnings accrue. <!--DEFN_END--></DL></TD></TR></TABLE> <BR> <HR SIZE=1> <CENTER> <P class=footer> Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P></CENTER> <BR> </BODY> </HTML>