We’ve made a number of changes to the Web site to make it easier to select a planning program for your situation. We added a new free program for pre retirement planning that gives perspective that you won’t find anywhere else on the Web. Click on the Free Programs link.

We also deleted the Simplified Financial Planner because the Pre and Post Retirement Planner does so much more and offers more perspective. Click on the Comprehensive Program link.

Whenever there is an update of one of our programs, we change the date in the file name.  (You can see the file name date when you download the program to your hard drive.)  By looking at the change log at the bottom of the first tab, you can tell whether this update is important to you.  The majority of changes are to offer some additional capability.

 

Log of Web Site Additions

This sheet is a log of the various additions to the Helpful Articles links.  To find the log of computer program changes, go to the program you select and look for the change log at the bottom of the first tab.  The Ask Bud link is organized so that it has the latest Q&A at the top of the page.

The entries below have dates, article name and the section of Helpful Articles where you can find them.

8/22/08 Solving the nation's debt problem with I.O.U.S.A.  Economics

8/19/08 Hidden Government Costs Hit Your Wallet.  Taxes

8/11/08 Algae for Energy.  Energy

8/7/08 Solutions to the Energy Problem.  Energy

7/15/08 Can we afford such generous government pensions?  Taxes

7/10/08 Using Historical Financial Data.  Planning, General

7/4/08 Pay off our mortgage at retirement?  Planning, Post Retirement

6/25/08 Is there a way out of this economic mess?  Planning, General

6/16/08 Planning with unrealized gains.  Taxes

6/13/08 Should retirees sell now if taxes will be greater next year?   Taxes

6/5/08 Another Misleading Article on Our Wealth Growth,  Taxes

6/4/08 Inflation can destroy retirement.  Economics 

5/8/08 Retirees get blasted by inflation.  Economics 

4/28/08 A Different Perspective.  Economics 

2/29/08 Our nation is headed for trouble.  Are you?  Economics 

5/10/07 Evaluating an Immediate Annuity in Retirement.  Annuities

3/29/07 Deferred Social Security likely to be better than an annuity.  Social Security

1/1/07 Count on Energy Problems.  Energy

8/14/06 The Best Investment—for someone approaching age 62.  Investments 

7/4/06 When to start social security. Social Security

3/17/06 Doing Better Than Your Peers.  Planning, General

12/19/05 Prosperity Depends of the Most Dismal Part of the Dismal Science.  Economics 

8/21/05 The Best Gift for Your Spouse-- or Executor.  Estate 

7/30/05 The Simplest Retirement Plan for Retirees.  Planning, Post Retirement

6/9/05 Keeping up with the Jones.  Budgeting 

5/23/05 Head in the Sand Planning.  Planning, General

4/30/05 Do You Need Long Term Care Insurance?  Investments 

4/14/05 Immediate Annuities' Four Whammies.  Annuities 

3/8/05 An Appeal for Better Planning.  Planning. Post Retirement

3/2/05 Investments That Can Equal Social Security Benefits.  Investments 

3/2/05 Are Personal Retirement Accounts for You?  Social Security

2/2/05 Cost-of-Living-Adjusted (COLA) Annuities (PDF File).  Annuities 

12/15/04 Private Accounts for Social Security.  Social Security

12/8/04 Retirement Risk.  Planning.  Post Retirement

12/6/04 Survivor Benefits.  Estate 

10/29/04 Replacement Cost Budgeting.  Reserves

10/27/04  Laddering CDs and Bonds.  Investments

9/1/04 Plan on Less Social Security and More Tax.  Social Security

8/3/04 Inflation and Debt in Retirement Planning.  Planning, General

8/1/04 What Goes Around Comes Around.  Investments 

8/1/04 The Biggest Retirement Planning Myth.  Planning, Pre Retirement

6/24/04 Financial Dynamics Improves Lifelong Planning  (PDF File).  Planning, Pre Retirement

6/14/04 Government's Retirement Double-Talk.  Economics 

5/16/04 Self Reliance.  Budgeting 

4/22/04 Brutal Facts of Retirement Budgeting.  Budgeting 

4/22/04 How Much Income Will I Need in Retirement?  Planning, Pre Retirement

12/23/03 Do-It-Yourself Retirement Spreadsheets  (PDF File).  Planning, Pre Retirement

11/23/03 Are You Planning on Living to 100?  Planning, Post Retirement

7/10/03 Provident Living.  Planning, Pre Retirement

5/25/03 Will Reduced Tax Rates Help Your Retirement? (PDF File).  Economics 

2/8/03 Can You Trust a Trust or Its Trustee?  Estate 

10/14/02 Selecting a Program for Retirement Planning  (PDF File).  Planning, Pre Retirement

9/24/02 Ten Steps To A Better Financial Future.  Planning, Pre Retirement

8/27/02 Reserves (PDF File).  Reserves

7/17/02 The Future Is Likely To Be Tough (PDF File).  Economics 

5/13/02 Start Social Security at 62, 66, or 70? (PDF File).  Social Security

1/31/02 A National Tragedy (PDF File).  Economics 

11/3/01 Retirees Need Conservative Planning (PDF File).  Planning, Post Retirement

10/4/01 Smart Actions In Turbulent Markets (PDF File).  Investments 

9/18/01 Mad as H,E, double Q! (PDF File).  Planning, Pre Retirement

8/18/01 Financial Planners Have a Lot of Crow to Eat (PDF File). Planning, Post Retirement

8/18/01 Social Security and Inflation (PDF File).  Social Security

7/22/01 Saving for Retirement  (PDF File).  Planning, Pre Retirement

4/3/01 Pattern for Disaster (PDF File).  Economics 

3/22/01 Bad Assumptions  (PDF File).  Planning, Post Retirement

3/12/01 For Retirees Only.  Planning, Post Retirement

1/2/01 Reverse Dollar Cost Averaging  (PDF File).  Investments 

10/2/00 Spending Costs Savings.  Budgeting 

10/2/00 Are You Prepared to Retire?  Budgeting 

10/2/00 Retirement Asset Allocation.  Investments 

10/2/00 What? Retirement Funds from Your Home?  Planning, General

10/2/00 Retirement Planning: Morticians vs. Obstetricians.  Planning, Pre Retirement

10/2/00 The OSIFs of Retirement Planning.  Reserves

10/2/00 Social Security at Age 62?  Social Security

9/12/99 Put Your Retirement Planning on Autopilot! (PDF File).  Planning, Post Retirement