stipend_plus
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the primary page is working, w/1 level of stipendees up to 10 bank accounts, the uncompleteds...are primary 2.
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Stipend PlusSavings Divy & Allocation"stipends for up to 110 bank accounts"
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recent updates:2 levels with 3 pages (it will be extended out to 10, 110 accounts), & the name saver page.the fields are not locked, so they can be deleted easily, though found in a copy.
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7 more pages can be added on. 2:4 etc. to 2:10 , I am too tired to send those out. & the wording may not be correct as of yet, & I have not tested it yet for the 21 yrs through.No technical support or financial advice other is given extra, as it is payment donationware.
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This calculator program has several variations of use.
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this version is inheritance, allowance, business, and a limited genealogy trust.Inheritance divies,
Business divies to branches,
Government divies to its departments,
Allowances to persons.
Genealogy Trust.
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Initially created as a 21 yr. Inheritance dispersal, with long term monthly or yearly stipends that can be easily maintained.
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It begins with 1 primary account and up to 10 stipend accounts.
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primary:
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If one of the stipend accounts wants to be a lessor primary account:to the 10 stipends:1 stipend becomes:
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Then that stipend account opens its own stipend plus, and receives their yearly deposits from this primary account, to allocate to the lessor stipends.mini primary:
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to 10 mini stipends:
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If using a main primary account w/lessor primaries, such as for a genealogy trust divy, to hundreds of persons,
use the stipend plus primary name helper.
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# of years:10each of the up to 10 stipends can begin a lessor primary level:
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Inheritance Dispersal:per yearthe inheritance stipends are either early received inheritance, or regular inheritance.
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primary:each stipend:per year
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Savings starting amount:1,000,00021,600primary two:stipends level two:per year
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starting amount:21,6005,400primary three:stipends level three:
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yearly deposits from interest:8,000starting amount:5,4002,700
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# accounts:11542
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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: yearly allocate bulk savings assets to heirs or non-profits. , set-up business spending accounts, allocate government departments specifically, etc.
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time frame:Each month, or once per year, the amount for that year... is deposited into the retired or allowanced persons account.The savings is kept long term, unless withdrawn early, therefore not available to overspend.
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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.Relax with money spending and delegation of it:
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higher interest:The stipend deposits are grouped together, from their end of year balances, while recieving monthly or yearly stipends from the primary account.because it avoids inheritance and other taxations, if using the old style government.

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Primary bank account: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.when the parent(s) allocate early inheritance gifts to heirs, year by year, helping them avoid being taxed or over-taxed.
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other deposits:if receiving other recurring savings, such as social security, those amounts are listed as deposits to either the individual stipend account or the primary.
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account explanations:primary:stipends:
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page name:fixedfixed
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1 primary bank account: ' dep/wth ' with a maintainer to access to the stipend accounts for year-end swoops for higher interest rates.the stipend goes to their 1 bank account:
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location:lhsrhs
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----no-
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monthly fixed:yes, all 21 yrs.though dep&wth, edit the amount.
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edit the monthly & yearly stipend: yes, each yr of the basic monthly.no
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in the field "Update stipend's monthly amount." and/or thru "the add a tier payment" section on the lhs.no, only through, larger sift-outs. , tier payments, or inclusion increases from previous years deposits.
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tier payments:yes, optionally chosen each yr, for each stipend account. The tierage amount is divided between the years chosen.yes, if selected to receive the extra.
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withdrawls:yes, to the yearly maximum limit, though, if the max. limit is wth. and no new deposits are replenished that year...the stipend accounts will discontinue the following year, and their savings would be returned.yes, called sift outs.
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sift outs:primary account withdrawls to stipend account, from that particular stipendees savings amount.yes
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it's ok to edit the background colors & formats.
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The Chart2print calculator sheet, gives the monthly and yearly stipends amounts for the primary savings.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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number of accounts:Number of accounts to begin with.
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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 #'s (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. & new deposits can be added later.
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starting date:Year to start the stipends. yearly or monthly.
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Stipend plus is for the duration of 21 yrs:
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the primary account holds all the end of year balances of the stipend accounts, at the end-of-the-yr, their upspent amounts above the chosen minimum, swoop back into the primary account, for the better interest plan, etc.
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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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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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Stipend accounts swoop savings: inclusions & sift-outs.The stipend account swoop savings is held in the primary account to ecrue higher interest, etc. and thier other non-stipend deposits are included also.

all of their primary held deposits are kept explicitly for thier account and unshared. withdrawls are via yearly inclusions, added to their stipend, and larger sum sift-outs withdrawls.
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stipend swoop amount:When the end-of-yr stipend account balance is above zero, the swoop amount is listed, above each stipends banking area. as deposits to the primary account.
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primary name helper:Its a chart placer for the hiearchies of sheets. when using several stipend plus's together.
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Deposits and withdrawls to the primary account:The deposit calculator gives the answers of dep/wth.
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Primary account, end-of-year balance:when the end of yr balance is known, enter its number in its field.
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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.
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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 amounts back to the primary account,

view the new stipend amounts for that new year,
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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