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Annuity Calculator for excel

http://www.spreadsheet123.com/ExcelTemplates/annuity-estimator.html

The Annuity Calculator for excel is to help when estimating the future value of your savings and annuity payments after retirement and also to estimate the amount that you need to save for your retirement.




Simple definition of annuity is a stream of equal payments to an individual, such as to a retiree, that occur at predetermined intervals (that is, monthly or annually). The payments may continue for a fixed period or for a contingent period, such as for the recipient's lifetime. Although annuities are most often associated with insurance companies and retirement programs, the payment of interest to a bondholder is also an example of an annuity.



The annuity calculator template on this page is designed to estimate an annuity payments with inclusion of annual inflation and also with variable rate of return.

Personal Finance Topics

Important topics:

• Setting financial goals
• Figuring out where you are
• Taxation
• Preventing bad things from interrupting your goals
• Investment basics
• Funding retirement
• Funding education
• Estate planning

Managing an inheritance

Managing an inheritance

Receiving an inheritance often accompanies a highly emotional time. It may even create more financial stress than it relieves. You'll never regret taking a little time to decide how to use your inheritance wisely.

Understanding your inheritance

An inheritance can arrive in many forms. Before you make any major financial decisions, you may wish to talk over the details with an attorney, a financial advisor and tax professional. You'll want to find out:

• What type of assets will you receive? A house, other real estate, a business, stocks and bonds, retirement plans, IRAs or life insurance? What is the estimated value?
• When will the assets be available — immediately or distributed over time?
• What taxes might apply to these assets?

Think about your future goals

Identifying your financial goals can provide important cues to managing your new funds. If you received your inheritance from your spouse, partner or other close family member, you may want to consider how you might carry out a legacy or continue shared goals. Additional possibilities for your inheritance:

• Adding to your retirement savings
• Managing upcoming income and estate taxes
• Paying for a family member's or your own education
• Helping out loved ones
• Contributing to a favorite charity
• Setting up a trust or foundation
• Paying off debt

Preserve your inheritance wealth

Added wealth can come with additional tax, insurance and estate planning implications. A financial advisor can help you decide what may be relevant to your situation:

Insurance

• If you inherited expensive jewelry or artwork, you may need more property and casualty coverage.
• You may also need more life insurance to help ensure your beneficiaries receive a greater portion of your estate after taxes.
• Consider an umbrella liability policy to cover any gaps in your insurance.

Estate planning

• Update your will to accurately reflect your wishes.
• If your new wealth is significant, meet with your attorney right away.
• Consult a financial advisor to help you develop a strategy to minimize estate taxes for your beneficiaries.
• If you don't have an estate plan, now may be a good time to create one.

Charitable giving or gifting

• Identify how you plan to share your inherited wealth with loved ones or donate to a charity.
• Document all gift transactions.

Get help managing an inheritance

When your life and financial situation changes, working with an Ameriprise financial advisor can help you make informed financial decisions to help you preserve your inheritance wealth and plan for goals and dreams.

Corporate Earnings June 2012

June 19-2012
Oracle Quarterly up 8%

Walgreen Earnings up September-27-2011

Walgreen has already reported sales of $17.94 billion during the fourth quarter of fiscal 2011, up 6.4% compared with the year-ago period. Comparable store sales in the quarter increased 4.3%, while front-end comparable store sales were up by 4.7%. Total sales for fiscal 2011 (ending August 2011) increased 7% to $72.16 billion with a 3.3% rise in comparable store sales. At the end of August 2011, Walgreen operated 8,211 locations in all 50 states, including the District of Columbia, Puerto Rico and Guam.


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