stipend-xlsx
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Retirement Stipend Allocation Chart
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recent updates:It is finished, i am starting another,
...w/additional stipend recipients.
the fields are not locked, so they can be deleted easily, though found in a copy.
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added a switch to fixed rate field, for each yr on the reduced pages.the % fee spans the entire 21 yrs.
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the extra fee includes subsequent yrs dispersal.. rather than one large fee for 1 yr.
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3 dep/calc. options.
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added a history of dep/wth from the calc.
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This calculator program helps to retire parents, financially, with long term monthly stipends that can be easily maintained, either once per year, or only once for the entire *time-frame.......can be used as allowance divies also.No technical support or financial advice is given extra, the following versions of stipend banking, are payment donationware.
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How stipends work:useful reasons:
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Stipends are payments, time span reduced or fixed over duration, monthly to yearly amounts, used in addition to any other retirement savings, such as the old style government social security. Stipends help to retire parent(s) from financial predicaments, where most of their savings and assets are gift or settlement allocated to heirs, while providing the parent(s) a long term fixed savings.
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time frame:Each month, the monthy amount for that year... is deposited into the retired or allowanced persons account.To not overspend the savings.
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stipend amounts:At each 12 month interval, a new stipend amount can be chosen or the amount already shown can be used.Retire from financial concerns.
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higher interest:If looking for higher interest, use 2 accounts. the primary and the
stipend.
Avoid inheritance and other taxations, if using the old style government.

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2 bank account versions:the primary account is set-up as monthly automatic bill payments, recurring for 12 months. and any year-end savings left in the stipend account, returns to the primary, called a swoop.1, 2 or 3 bank accounts:
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other deposits:if receiving other recurring savings, such as social security, those amounts are listed as deposits. any of these accounts, or an extra, can be used to allocate early inheritance gifts to heirs, year by year, helping them avoid being taxed or over-taxed.
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account explanations:stipend:primary and stipend:stipend:stipend:primary and stipend:
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page names:1 bank account page:2 bank account page:21 yr fixed:21 yr fixed:21 yr fixed:
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reduced. begins with a higher yearly and monthly amount.reduced. begins with a higher yearly and monthly amount.1 bank account: ' lhs with fixed dep/wth. '1 bank account: ' lhs exact fixed '.2 bank accounts: ' rhs with dep/wth ' ...year-end swoops for higher interest rates.
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location:rhs & lhsrhs & lhsrhs & lhslhsrhs & lhs
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reduced:yesyes---
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fixed:--yes, at the start.yes, all 21 yrs.yes, at the start.
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edit the yearly stipend: yesyesyesnoyes
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in the field "Update stipend's monthly amount."- in the field "Update stipend's monthly amount."
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new deposits & withdrawls:
lhs deposit column, answered from the deposit calculator.
yesyesyesno, only maintenance fees.yes
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it's ok to edit the background colors & formats.
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The Chart2print sheet, holds the reduced and fixed versions of monthly and yearly stipends, for savings from 5,000 - 25,000,000.Instructions:
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complete the following yellow fields on the main sheet:
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name fields:Person retiring or receiving the allowance.
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age:Persons current age when stipend begins.
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primary account # (optional):From a free account of either savings or checking with automated recurring bill pay option.
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stipend account # (optional):Normally a free savings or checking account with online bill pay option.
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The primary savings amount:The primary accounts' starting balance., unless on the 1 bank account page, then that field is the stipend accounts starting balance.
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starting date:Year that the stipend begins.
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Lefthand side:1 bank account exact fixed version:Righthand side:2 bank account versions:
2 bank account or the 21 yr rhs dep/wth fixed:
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The lhs version can often be used, on its own, as a guide, w/the original 21 yrs of set of stipend numbers, either reduced or fixed,... though exact stipend-only withdrawls must be made, and no deposits.the rhs holds the new stipend amount, & at the end-of-the-yr, the upspent amounts are swooped back into the primary account, for the better interest plan, etc.
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1 bank account versions:
1 bank account or the 21 yr lhs dep/wth fixed:
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"keeping the candy money."With the 1 bank account versions, if the stipend has not been spent, the recipiant can continue to save and spend from previous yrs. unspent amounts.monthly amount:In the center column, it appears to the left of each current years stipend.
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The monthly amount is paid for 12 months, during january to december.
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deposits and withdrawl column:Totals for most versions are listed in the lhs deposit column, from answers given in the deposit calculator.new monthly amount:When the stipend accounts' end-of-yr balance is official, the next years stipend is shown. Which can be used for next year of recurring stipend set-ups.
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Primary account, end-of-year balance:usually already known via the dep/wth data, by the end of each year.
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swoop amount:When the end-of-yr stipend account balance is above zero, the swoop amount is listed, to be returned into the primary account.
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Deposits and withdrawls to the primary account:The deposit calculator gives the answers of dep/wth.
& after the end of yr balance is known, recur the stipend amount given on the rhs.
The day to day data from the lessor stipend account is not kept as a value, only the end of yr balance, it's swoop amount, and deposits from the primary.
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official:Official is when the stipend account year-end balance has finally been entered into its yellow field.
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Official also adds advice to not play around with the previous years accounting numbers.
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reference:Reference is when the year has not yet happened, only future possibles, "What if I only spend 2000 during year 2015, what is my stipend in 2016?"
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if a maintainer:Use the profit calculator, include the answer for the year in the primary account deposits field #3.

pay yourself from the primary account the maintainers listed fee during the current year.

and at the end of the year, send the swoop amount back to the primary account,

view the new stipend amount for that new year,
and setup the years recurring monthly stipend beginning with january.

Choose a retiree stipend recurring day like the 8th or tenth. of every month.
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written by: zayvraPayment Link:http://qizalia.blogspot.fr/2014/03/retirement-stipend-chart.html
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profits policies:
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for profit:not for profit:
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If using as a retirement stipend maintainer career or as the tool for a company of maintainers, and garnering profits: if 8% is the maintainers fee and 1 % is zayvras fee and the maintainers profit is actually 7% , estimates shown below. If using as a not for profit: please use the yearly donation amount listed on the choosen account page: at the above or below url:
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Recommended maintainer fee is 5-10% of the original primary account balance*, paid out over 21 years, over the duration of the stipend. Reflecting new deposits and/or withdrawls. ie.http://qizalia.blogspot.fr/2014/01/my-profits-to-usage-policy.html
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ie: If the account starting balance is 210000, the 10% fee is 21000 over 21 yrs:1000 per yr. from the account holder to zipatarwith 900 per yr. in profit, 100 sent to zayvra.ie: If the original balance is 210000, the 1% fee is 2100, paid over 21 yrs, 100 euros or other currency, per yr:
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Maintainers fees:
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edit yellow boxes:Estimated maintainer fees: % fees are chosen by the maintainer(s).Chart details a few fixed yearly fees:
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Maintainer's original %Maintainer's actual %zayvra's %fixed yrly. fees: over 20 yrs: **Primary account starting balance:
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10%9%1%25050000
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21 yr. aprox. fixed fee:500100000
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Primary account starting balance:200000The % fee can also listed at zero,
if there is no maintainer.
1,000200000
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Yr#Primary account balance:reduced yearly stipendmaintainers fee: as of yr.* 1,500300000
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1176,00023,0001,0002,000400000
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2153,88021,1201,0002,500500000
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3134,41418,4661,000The exact yearly fees are listed @ the bottom of each account page, with maintainers profits:3,750750000
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4117,28516,1301,0005,0001000000
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5102,21114,0741,00012,5002500000
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688,94512,2651,00025,0005000000
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777,27210,6731,00050,00010000000
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866,9999,2731,000125,00025000000
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957,9598,0401,000
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1050,0046,9551,000
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1143,0046,0011,000
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1236,8435,1601,000
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1331,4224,4211,000
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1426,6513,7711,000
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1522,4533,1981,000
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1618,7592,6941,000
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1715,5082,2511,000
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1812,6471,8611,000
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1910,1291,5181,000
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207,9141,2161,000
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2106590
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*the fees are collected during first 20yrs.20,000
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**new dep. %'s are incl. with each next yr. and fixed over the duration.
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Yr#Primary account balance:fixed yearly stipendmaintainers fee:
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1190,476.199,523.811,000.00
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2109,523.810.00
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20000020000
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