"Retirement Calculator" is an android application witch provide an help to see the impact of the diverse factor for the calculation of your working years left :
- Compound interest
- Saving rate
- Return on equity
This application provide an example and should only be use for example.
The app is free to download, but an event code must be entered to view any content.
With the TIAA-CREF Events app, meeting attendees will be able to access:
• Full agenda
• Speaker profiles and photos
• Presentation details and documents
• Attendee lists
• Interactive polling functionality
• Meeting help and information
TIAA-CREF Individual & Institutional Services, LLC, and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Investment products are not FDIC insured, may lose value, and are not bank guaranteed.
- Fields for Current Age, Retirement Age, Life Expectancy, Monthly Expenses, Inflation, Rate of Return on investment Before Retirement & After Retirement, Years to Retire, Yearly Expenses at retirement, Retirement Corpus, Monthly Investment
- Settings for Default Values - Currency Symbol, Rate of Return, Inflation, Retirement Age, Monthly Expenses & Reload Last Values
Age (Years) : 30
Retirement Age (Years) : 58
Monthly Expenses : 30,000
Inflation (%) : 7
Rate of Return (%) on investment Before Retirement : 15
Rate of Return (%) on investment After Retirement : 10
Year to Retire : 28
Monthly Expenses at retirement : 1, 99,465
Yearly Expenses at retirement : 23,93,582
Retirement Corpus : 3, 99, 98,159
Monthly Investment : 7,719
Suppose you are 30 years old who wants to retire at 58 and expect to live till 80.
If your current Monthly Household Expenses (excluding expenses which will not be part of it post Retirement e.g. EMI, Insurance Premium, Education Expenses etc) are 30000,
You expect inflation to be around 7% for next 28 years,
You expect 15% return on your investments before retirement and
During retirement you expect that your investments will return 10%.
So Number of Years left for your retirement are 28 years and at retirement you will require a retirement corpus of 3,99,98,159 for which I need to save 7,719 per month.
Please send your suggestion and issues to my E-mail address firstname.lastname@example.org
WHAT YOU CAN DO
• Get real-time updates of your balances and account activity
• Make payments to any payee you’ve set up online
• Transfer money immediately between your TIAA Direct accounts
• View and search recent account activity
• Find nearby ATMs, including 23,000 where you can get cash fee-free—just look for the SUM® or MoneyPass® logo
1. Download the TIAA Direct® Mobile Banking app.
2. Enroll in Mobile Banking by logging in at tiaadirect.com from your computer. Select Manage Mobile Banking, and follow the prompts—be sure to jot down your Activation Code.
3. Open the app on your phone and enter your Activation Code.
4. Log in to the app with the same User ID and Password you use to access your accounts online.
FYI: If you want to use our Mobile Banking app to deposit checks, you must have an Interest Checking, Money Market or High Yield Savings account that’s been funded and open for at least 90 days. In addition, your account history must meet certain requirements. To see if you qualify, and to enroll in this service, call 855-842-2372.
With the TIAA-CREF Saving4College Savings Planner, you can keep track of your college savings goals wherever you are. Use the Saving4College Savings Planner to model your college funding goals and how you plan to help meet them.
With the Saving4College Savings Planner you can explore:
• Where you are now with college savings
• Your projected college
• How much college could cost in your timeframe
• What you’ll probably need to invest to meet college costs
• Setting a realistic, achievable action plan
These calculations are made available to you as educational, self-help tools and are intended to provide you with approximate estimates of potential future tuition costs, potential savings invested in a hypothetical 529 college savings plan or other federal income tax-free investment, monthly and yearly contributions that may be needed to fund your child's education, and, if you choose to enter tax rates and deduction information, a comparison to a hypothetical investment in a taxable account. There may be additional costs associated with attending college that have not been factored into the calculations, such as miscellaneous administrative charges, discretionary meal expenses, supplies, etc.
Important Information About Your Calculations
The results presented are hypothetical illustrations and do not reflect the past or future performance of any specific investment. Rates of return will vary over time. Investments which seek to achieve higher rates of return are more volatile and involve a higher degree of risk.
The calculator takes into account tax variables based upon what you select. There may be limitations or restrictions on eligibility for tax benefits depending on the tax code in your state of residency.
These calculations do not constitute investment advice. As your financial situation changes, you should review your investment goals, time period for college investing, and personal financial situation and reassess whether you are saving enough to meet your college savings goals. You may want to consult with a qualified advisor before making an investment.
The calculations do not reflect management, administrative and other fees associated with 529 plans or any other investment used for college savings. If these fees had been reflected, the growth of the total contribution during the same investment period would have been lower.
The tax information contained herein is not intended to be used, and cannot be used, by any taxpayer for the purpose of avoiding tax penalties. It was written to support the promotion of college savings plans. Taxpayers should seek advice based on their own particular circumstances from an independent tax advisor.
TIAA-CREF Individual and Institutional Services, LLC distributes securities products. The States, their agencies, TIAA-CREF Tuition Financing, Inc. (TFI), Teachers Insurance and Annuity Association of America (TIAA) and its affiliates do not insure any account or guarantee its principal or investment return. Account value will fluctuate based upon a number of factors, including general financial market conditions
The most important words will tend to be presented first because, well, they're important. Hawaiian Tutor will quickly zero in on the most important words for *you* to learn at each moment. It may seem too easy or too hard at first but just keep going and you will see that Hawaiian Tutor will quickly find the right balance that maximizes your learning regardless of your current knowledge, ability, and state of mind at the moment.
Note that it is important to make mistakes because no learning can happen without them. When you get words wrong, Hawaiian Tutor is also learning about you and what you most need to learn at every moment and will bring missed words back more frequently. That is a good thing because you want troublesome words to come back frequently enough for you to easily get them right. Therefore try not to feel disappointed when you get a word wrong. Instead, mentally pat yourself on the back because this is where the learning happens. Remember, this is not a test! It is a safe opportunity to take chances and improve your instant recognition of the words that will greatly improve your command of the Hawaiian language.
Hawaiian Tutor is best used during short periods while waiting for a bus, class, etc. It includes a very high quality vocabulary containing nearly 800 carefully chosen words in the Hawaiian language.
Good practice while you are out and about. Not a replacement for the full featured desktop version at http://superliminal.com/cube/cube.htm. Still it is interesting to know that Andrey Astrelin has already solved this puzzle on his Android phone including one-handed while riding the Moscow subway. How's that for dedication!
The most important words will tend to be presented first because, well, they're important. Tutor will quickly zero in on the most important words for *you* to learn at each moment. It may seem too easy or too hard at first but just keep going and you will see that GRE Tutor will quickly find the right balance that maximizes your learning regardless of your current knowledge, ability, and level of attention at the moment.
Note that it is important to make mistakes because no learning can happen without them. When you get words wrong, GRE Tutor is also learning about you and what you most need to learn at every moment and will bring missed words back more frequently. That is a good thing because you want troublesome words to come back frequently enough for you to easily get them right. Therefore try not to feel disappointed when you get a word wrong. Instead, mentally pat yourself on the back because this is where the learning happens. Remember, this is not a test! It is a safe opportunity to take chances and improve your instant recognition of the words that will greatly improve your command of the English language.
GRE Tutor is best used during short periods while waiting for a bus, class, etc. It includes a very high quality vocabulary containing nearly 800 carefully chosen advanced words in the English language.
Perfect vocab test prep for GRE, PSAT, SAT, LSAT, GED, ESL, GMAT, ACT, MCAT, TOEFL, IELTS, PCAT, OAT, or for simply expanding your vocabulary.
★ As a regular app
★ As a widget on your lock screen*
★ As a home screen widget
★ In a desktop docking station*
★ As a car dock app
★ As live wallpaper
★ Should make for a great wristwatch widget.
* Highly recommended
Color Clock will also be a perfect app for the Google Watch when it comes out.
The design is based on the 1971 Chromachron clock by Tian Harlan. It has a background of 12 unmoving uniquely colored pie slices, and a moving "hour hand" consisting of a mask covering the entire background except for one hour's slice. As that gap moves around the dial, you will see one background color slowly disappearing and the next one filling the gap. On the exact hours, you will see only one color filling the entire slice. In this way you can easily estimate the time within 5 minutes. It is particularly useful for users with poor eyesight and can often be easily read without corrective lenses making it perfect for a night-stand clock.
So what about those spirals? That is my attempt to make something pretty to fill in the unused space but still be based on the current time. They are not meant to be useful, but if you are interested in how they relate to the time, it consists of three overlapping sets of spirals in red, green and blue. The red spirals represent the minute hand, green the hour hand, and the blue spirals don't move at all. Where they overlap, the colors add together just like light. The only time that all three sets of spirals exactly overlay each other is on the exact hours. That is the only time you will see pure black & white spirals. The rest of the time they overlap in varying ways to generate yellow, magenta and cyan.
If you watch very closely, you can just barely see the red spirals moving. It takes one minute for them to move from one blue spiral to the next. The motion therefore is very subtle but you will notice that every few seconds the colors that you see are completely different even though you can barely notice any change from moment to moment. Also interesting is that because the red, green, and blue spirals add together just like light, the overall mix of colors never changes. That means that from a distance it always appears white even though close up it is very colorful and ever changing.
LassieBot is very simple to use, and once properly set up you can largely forget about it, but you must read and understand ALL of the warnings and instructions below before LassieBot has a chance to function correctly in a real emergency.
There are many aspects to being safe while alone, and everyone should have back-up plans to cover as many contingencies as possible. LassieBot is meant to address only one of those cases, namely summoning help if you or a loved one are alone and unconscious. THERE ARE MANY WAYS IN WHICH LASSIEBOT COULD FAIL, AND I TAKE NO RESPONSIBILITY FOR ANY FAILURES AND MAKE NO PROMISE OF ITS UTILITY FOR ANY PERSON OR ACTIVITY.
Here are some of the ways that LassieBot could fail:
* Your phone is turned off or the battery runs out.
* Your phone is charging. By design, LassieBot will not send alerts while connected to a charger.
* Your phone is in Airplane mode or is otherwise unable to connect.
* LassieBot is not turned on at the time of the emergency or is poorly configured.
* There is no cellular signal when LassieBot attempts to send out alerts.
* Alerts are sent but do not reach their destinations.
* Alerts reach their destination but your contacts do not notice them in time or take appropriate actions.
* LassieBot will not work in a moving vehicle.
* There may be bugs in the implementation.
Before using, you must configure and test it, and you need to fully understand what it does and how it works.
Step 1: Identify your emergency contacts. You do that by putting the 4 letters "ICE:" at the beginning of their names. ICE stands for "In Case of Emergency", and rescue workers know to look for such contacts when treating a lone unconscious person. Taking this simple action will go a long way to improving your safety while alone even if you never install LassieBot!
Talk with your potential emergency contacts BEFORE marking them as such as some people may not want that responsibility. Be sure to tell them to treat any alert as if it is a real emergency and that most alerts will be tests or false-positives, but all alerts should be assumed to be actual emergencies until they learn otherwise. I recommend using 2 emergency contacts.
Step 2: Select the amount of time with no motion that will trigger alerts. This should be longer than you ever go without handling your device.
Step 3: Click the big red button turning it green. At this point LassieBot is on the job and you can see that by the sticky notification in your notifications list, as well as from the tiny LassieBot icon in the very top-left corner.
Step 4: Configure and test. Clicking the check box brings up these controls. LassieBot will beep each time it gets a gyroscope event indicating that the timer has been reset. Adjust the sensitivity if needed so it always beeps when you pick it up but never when siting on a table.
Click the "Send Test Alert" button and make sure that all of your emergency contacts get the message. Warn them first that you will be doing this, and make sure they respond appropriately.
Finally, uncheck the check box to hide the configuration and test controls and stop the beeping.
LassieBot will not allow your phone to sleep, otherwise it cannot work so you will need to recharge more often. This is the price you pay for the added security. Turn LassieBot off when you know you don't need it or plan to leave your phone for a long time. Just don't forget to turn it back on later!
If LassieBot saves even one person's life, it will have been worth all my effort. I hope you will never need it, but if it does I hope that you will contact me and tell me your story.
***IMPORTANT*** This is a widget and will not show up in your app drawer so please do not down-vote before following these instructions: After installing, you must place one or more instances on your home screen or other screen. On older Android devices, long-press the location where you want it, and then from the pop-up that appears, navigate to the bottom of the widget list and click on Wind Dummy. On newer devices, look under the "widget" tab at the top of your apps list.
Once placed on a screen, you can configure each widget separately to display data for any of over 17,000 weather stations in the Weather Underground network. To find your best stations, zoom into the global map here: http://www.wunderground.com/wundermap/then tap a WindDummy widget, enter the station ID, click OK and you should be good to go!
WARNING: The author does not guarantee the accuracy of the data presented by this software or the utility of the software for any purpose. The software may contain bugs or other problems. Don't use this tool for hazardous activities. Use at your own risk.
The most important words will tend to be presented first because, well, they're important. Tutor will quickly zero in on the most important words for *you* to learn at each moment. It may seem too easy or too hard at first but just keep going and you will see that German Tutor will quickly find the right balance that maximizes your learning regardless of your current knowledge, ability, and state of mind at the moment.
Note that it is important to make mistakes because no learning can happen without them. When you get words wrong, German Tutor is also learning about you and what you most need to learn at every moment and will bring missed words back more frequently. That is a good thing because you want troublesome words to come back frequently enough for you to easily get them right. Therefore try not to feel disappointed when you get a word wrong. Instead, mentally pat yourself on the back because this is where the learning happens. Remember, this is not a test! It is a safe opportunity to take chances and improve your instant recognition of the words that will greatly improve your command of the German language.
German Tutor is best used during short periods while waiting for a bus, class, etc. It includes a very high quality vocabulary containing nearly 2,800 carefully chosen basic words in the German language making it perfect for vocab test prep, travel prep, or simply building up your German vocabulary.