ÿþ<HTML> <HEAD> <TITLE>Don't Delay Your Savings!</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>Don't Delay Your Savings!</H1><P>Waiting to begin your savings plan can have a huge impact on your results. A delay of even a few years could cost you thousands of dollars. This calculator helps show you how much postponing your savings plan can really cost. <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="400" width="565"><param name="code" value="WaitCost" /><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="WaitCost.class" align="baseline" WIDTH="565" HEIGHT="400" archive="dinkytown.jar"><![endif]> <PARAM name="STARTING_AMOUNT" value=""> <PARAM name="ADDITIONAL_CONTRIBUTIONS" value="200"> <PARAM name="YEARS" value="10"> <PARAM name="RATE_OF_RETURN" value="2"> <PARAM name="YEARS_TO_WAIT" value="2"> <!--CUSTOM PARAMETERS--> <PARAM name="TEXT_FOR_REPORT" value="<HTML> <HEAD> <TITLE>Don't Delay Your Savings!</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>Don't Delay Your Savings!</DIV></td></tr></table></TD></TR></TABLE></CENTER> <H1>Postponing your savings YEARS_TO_WAIT MSG_YEARS_TO_WAIT could cost you COST_OF_WAITING.</H1>If you start your savings plan now you could have START_NOW in savings after YEARS MSG_YEARS. Postponing YEARS_TO_WAIT MSG_YEARS_TO_WAIT would give you START_LATER. To get the same savings balance with a YEARS_TO_WAIT year delay, you would need to save REQUIRED_CONTRIBUTION DEPOSIT_FREQUENCY instead of ADDITIONAL_CONTRIBUTIONS DEPOSIT_FREQUENCY.<P>**GRAPH**<P> <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=3><CENTER><B>Results Summary</B></CENTER></TD></TR> <TR BGCOLOR='#CCCCCC'><TD width=26%><b>&NBSP;</b> </TD><TD align=center width=37%> <b>Start Now</b> </TD><TD align=center width=37%> <b>Start Later </b></TD></TR> <TR><TD><b>Starting amount </b> </TD><TD> STARTING_AMOUNT </TD><TD> STARTING_AMOUNT </TD></TR> <TR><TD valign=top><b>Savings plan</b> </TD><TD valign=top> Save ADDITIONAL_CONTRIBUTIONS DEPOSIT_FREQUENCY for YEARS MSG_YEARS.</TD><TD valign=top> Postpone saving for YEARS_TO_WAIT MSG_YEARS_TO_WAIT then save ADDITIONAL_CONTRIBUTIONS DEPOSIT_FREQUENCY for YEARS_REMAINING MSG_YEARS_REMAINING.</TD></TR> <TR><TD><b>Rate of return </b> </TD><TD> RATE_OF_RETURN </TD><TD> RATE_OF_RETURN </TD></TR> <TR><TD><b>Ending balances </b> </TD><TD> START_NOW </TD><TD> START_LATER </TD></TR> <TR bgcolor='CCCCCC'><TD><b>Cost of waiting </b> </TD><TD> COST_OF_WAITING </TD><TD> &NBSP; </TD></TR> </TABLE></TD></TR></TABLE></CENTER> </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>Starting amount</B><DD> The starting balance or current amount you have invested or saved. For this calculator, we assume your current savings is earning your annual rate of return whether you decide to delay your new contributions or not. For example, if you have a current balance of $1000 and never make any new contributions, your delayed and non-delayed results will be the same. <P> <DT><B>Additional contributions</B><DD> The amount that you plan on adding to your savings or investment each period. The options include monthly, quarterly and annually. This calculator assumes that you make your contributions at the beginning of each period. <P> <DT><B>Years</B><DD> The total number of years you are planning to save or invest. <P> <DT><B>Rate of return</B><DD> The annual rate of return for this investment or savings account. 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 wait</B><DD> The number of years you might wait before you begin saving. We will then delay your new contributions for that number of years. <P> <DT><B>Cost of waiting</B><DD> The difference in your savings or investment balance between your delayed and non-delayed plans. <P> <DT><B>Required contribution</B><DD> If you wait to start saving, this is the amount you would need to contribute each period to achieve the same result as starting your savings plan immediately. <!--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>