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retirement Max can divide that amount by the expected investment return to estimate the size of the portfolio he ll need That is a much better estimate However, there still is at least one more step that needs to be taken to get a reasonable estimate of retirement spending and capital needs Inflation is likely to continue during retirement If Max s first year retirement spending is $40,000 and inflation continues, Max will need to spend more than $40,000 in each subsequent year to maintain that standard of living That means Max must reinvest a portion of the investment return each year to ensure that the portfolio and its income will maintain their purchasing power If Max expects 3 percent annual inflation, then he needs to reinvest three percentage points of the annual investment return Max can spend only 4 percent of that 7 percent annual return.

Mathematical operators are also known as arithmetic operators, because they re used for performing numeric calculations. By definition, you use mathematical operators to work with numbers as operands. When you work with mathematical operators, numbers can be any numeric data type. The number can be a constant value, the value of a variable, or a field s contents. You use these numbers individually or combine them to create complex expressions.

If you have set up an always-on broadband account, you should be connected to the Internet and ready to go at this point. To test your connection, just open Microsoft Internet Explorer and browse to any Web page. If you set up an account that requires you to sign in, you ll need to sign in each time you want to go online. There are many ways to sign into your account. If you opted to add a shortcut icon to your desktop, you can just click (or double-click) that icon to get started. If you didn t

SAP R/3 ENJOY (4.6A/B)

That brings the annual spendable income from the portfolio down to only $22,857 To meet his goals, Max needs to either increase the investment return to 10 percent or increase the retirement fund to $1,000,000 If Max s investments will earn less than 7 percent, he will need an even bigger nest egg Even after that step, there still are key elements missing from the estimate The method assumes Max receives nothing from Social Security Although Social Security has its problems and changes are likely to be made, Max is still likely to get $10,000 or more annually from Social Security, perhaps more, for many years Factor in Social Security and Max will need to save less than this simple method indicates Max also should be sure not to overlook any other income sources The quick-and-dirty method also assumes the investment principal never is touched.

Job titles can be misleading and often don t tell you much about where influence lies. It s quite possible for a 20-year veteran of a company to have less influence over a decision to buy than a fast-tracked newcomer. Take your best shot at assessing influence, and plan accordingly. Be sure not to expend too much energy selling to someone who may have an impressive title but little influence.

Most retirees don t want to dip into non-interest capital in the early years of retirement But there s no reason to assume that the principal won t be touched in the later years The only time to assume that none of the principal will be spent in retirement is when a primary goal is to pass the entire principal intact to a spouse, the next generation, or to charity Otherwise, the quick-and-dirty method sets the savings goal too high Trying to meet that goal might cause unnecessary deprivation in the preretirement years and into retirement It also can cause constant worry about how long the money will last Thus, the quick-and-dirty method should be viewed as a high estimate of the amount that should be saved to meet retirement needs..

In this section, I ll cover some general issues concerning hard disks. All of these operations pose some risk of data loss, and should only be attempted by people who understand the risks and are confident they have backups of all important data.