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Use this Question Forum to ask questions about how the software works, how to model different "what if" cases, or other user-related question. If you have a support issue (something seems to be wrong with the software) then please create a support ticket. How to browse this forum: SCROLL and click titles to read complete question/answer, use the FILTERS below, pick from TOPICS on the list at right, use the SEARCH BOX (see also "advanced search" when you use it), choose from RECENT COMMENTS at the right below.

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I understand from a prior post that it is not possible for the user to take a 'current' data base, create a renamed copy of it, and then through ESPlanner, make what seems should be a simple change of marital status in the new data base.

Tags: monte carlo

My Standard of Living results have previously made sense, or at least I didn't notice that they didn't.

Tags: asset values

When I enter savings account and 401k amounts, I enter the data as of the beginning of the calendar year (for example, January 1, 2017) and then do not change those entries until January of the following year.

We will release our annual update of federal income taxes based on previously existing law, i.e. prior to the Tax Cuts and Jobs Act (TCJA) of 2017, on 7 Jan 2018 after IRS's scheduled 5 Jan update of final 2017 forms and instructions.

ESPlanner 2.36.0 is now publicly available. The release notes are available here: http://www.esplanner.com/esplanner-2360

I must be doing something wrong - I've experimented with different nominal rates of return on regular and retirement assets, and changed inflation assumptions as well, in order to test the impact of changes in real rates of return on discretionary spending and end-of-life net worth, yet discreti

I suspect you have addressed this question more than once but I have failed to find the answer.

Healthcare is a major retirement cost. I see a couple of brief mentions of part B in the manual, but would like a reasonable explanation of how healthcare costs should be treated using this program.

Where do the proceeds go from the future sale of an investment property? I'm guessing that they go into "Regular Assets" and begin earning the ROR stated in the assumptions window?

The mortgage payments on my primary home and on my rental both decrease by 3% year after year, but my mortgage is fixed, so the total payment doesn't change.

I have entered a pension with a given annual amount from Social Security covered employment and a 50% survivor rate.

I have set the inflation rate under Assumptions to 2%

Tags: fixed income

I need some guidance on how to correctly model my fixed income in monte carlo. In my case i have regular asset income in the current year that is twice with the total income report shows. how do i manage coupon yield?

Tags: Roth

I am doing some simple Roth modeling (using Monte Carlo) and getting unexpected results...wondering if I'm missing something in how I'm using the software.

Suddenly, all my profiles except 1 will not run. After starting Create a Report the following window opens "espbasic.exe has stopped working..." the program then quits and adobe acrobat opens but the report shows "results Missing"
Should I reinstall 2.34.1?

Is there a simple way to indicate a change in state of residency without there being a sale of primary home? Client owns primary home in MA and second home in TN. In 2016, client will move to TN permanently, but keep both houses.

Tags: tutorial

I'm just starting with ESP+ ver 2.35.2. The Support screen suggests...

Tags: monte carlo

I've specified conservative spending in my Monte Carlo setup. Everything looks fine in the non-MC report. Everything seemingly looks great in the MC report - all graphs go from something fairly horizontal at the Specified Mean Real Return to sloping dramatically upward for the 95th percentile.

Am I misunderstanding the calculations resulting from the value (Assets & Saving / Current Saving) "Less amount of asset income not reinvested" or is this a bug? When I enter a value ranging from 0 to 999 "Equals current saving" calculation seems correct; e.g., 16777 - 999 = 15778.

Tags: age

new user of ESPlanner. Report shows my max age as 93 and spouse maximum age as 100. We are both 64 and want to model maximum age 93. How do I change spouse max age?

I am 65 and my wife is 63. We have no life insurance now. The Annual Suggestions portion of our report indicates a recommendation of Life Insurance for me in annual amounts beginning in 2018 for $56K, rising each year to 2023 at $153K and then declining till my presumed death in 2041 to $10K.

Tags: tax

Will ESPlanner use Head of Household tax rates where appropriate? It doesn't seem possible to be make it explicit anywhere but I was wondering if it might assume that in any cases?

Tags: taxes

Hello,
My wife and I live in Maryland and when I run the planner your tax calculations in MD seem to come up short. I am wondering if you are accounting for the local county taxes which can add up to 3% plus to the calculation.
Thanks,
J. Banks

Is there an "easy" way to edit a special expenditure? For example, I wish to change the dollar value of an expenditure to evaluate the impact.

I need to check my understanding of some of the program inputs and their interactions. I've made some assertions (below) for which I would certainly appreciate any comments or corrections.

Using Economics-based planning:

Tags: earnings

My reports were looking odd, especially the amount of social security tax paid each year, until I realized that I'd changed my salary in the Earnings tab, but it hadn't been updated in the Social Security / Future Covered Earnings tab.

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