Search found 13 matches

by trfrp
Sat Feb 15, 2020 10:31 pm
Forum: General questions and comments
Topic: What's next?
Replies: 12
Views: 13537

Re: What's next?

Jim, I was very excited to see the recent updates to FRP. Can you confirm whether the new version allows for the floating start and end years that I discussed in this thread ? They would be very helpful, particularly for sensitivity analyses involving life expectancy (which can crash if your death y...
by trfrp
Sun Sep 30, 2018 4:54 pm
Forum: General questions and comments
Topic: Change Log
Replies: 2
Views: 2253

Re: Change Log

Thanks, Jim. I knew I had seen the release notes before. But I was trying to find them on the website rather than in the software. :?
by trfrp
Sun Sep 30, 2018 3:36 pm
Forum: General questions and comments
Topic: Change Log
Replies: 2
Views: 2253

Change Log

Jim, I notice that you updated the FRP application in September. Is there a change log where I can see what changed between version 4.02.09 to 4.02.15? Thanks.
by trfrp
Sat Apr 08, 2017 6:52 pm
Forum: General questions and comments
Topic: What's next?
Replies: 12
Views: 13537

Re: What's next?

Jim, I would love to see the floating start and end years that I discussed in this thread . This would be a big improvement, particularly for sensitivity analyses involving life expectancy (which currently crashes if your death year is less than the dates in your additional inputs). Thanks. Taylor
by trfrp
Fri May 20, 2016 6:06 pm
Forum: General questions and comments
Topic: Difficulty donating
Replies: 0
Views: 10617

Difficulty donating

Jim, I really appreciate your efforts in creating FRP, and I would like to donate. Unfortunately, I can't get the payment to go through. I have tried it a couple times on different days this past week. I click the "Support Us" button, enter the amount of my donation, click the "Log In" button, then ...
by trfrp
Wed May 18, 2016 8:53 pm
Forum: Problems installing and running the program
Topic: Error message: Unable to run simulation because of invalid data in additional inputs
Replies: 6
Views: 4580

Re: Error message: Unable to run simulation because of invalid data in additional inputs

In my experience, this error arises when one or more of your additional inputs has a fixed start age or end age that falls outside the range of the simulation; i.e., less than your current age or greater than your life expectancy. This often happens when you do a sensitivity analysis that varies you...
by trfrp
Sat Apr 23, 2016 1:44 pm
Forum: General questions and comments
Topic: Tax-deductible expenses (charitable contributions, mortgage interest)
Replies: 7
Views: 5963

Re: Tax-deductible expenses (charitable contributions, mortgage interest)

Eric, since you asked for my input, here is my quick reaction. The deductability of mortgage interest is already very indirectly reflected in the FRP simulation through the income tax rates that you specify. If you estimate your income tax rate by dividing the taxes that you actually owe by your tot...
by trfrp
Sat Apr 23, 2016 1:23 pm
Forum: General questions and comments
Topic: Capital gains - tax treatment
Replies: 13
Views: 16050

Re: Capital gains - tax treatment

15% looks suspiciously like the capital gains tax rate. The most important point about the two tax rates in FRP is that they should be the average overall effective tax rate that YOU expect to experience in YOUR plan. It should not the top marginal rate that you are paying or expect to pay. Here ar...
by trfrp
Sat Apr 23, 2016 12:24 pm
Forum: General questions and comments
Topic: Capital gains - tax treatment
Replies: 13
Views: 16050

Re: Capital gains - tax treatment

Eric, you're almost there. Your after-tax proceeds in year 10 are $444k - $51k = $393k. Now compute the present value of those proceeds at your assumed 3% inflation rate: $393k / 1.03^10 = $292k. Now input an increase to your taxable savings in year 10 of $292k with a COLA that "Tracks Inflation". I...
by trfrp
Fri Apr 22, 2016 4:35 pm
Forum: General questions and comments
Topic: Capital gains - tax treatment
Replies: 13
Views: 16050

Re: Capital gains - tax treatment

My understanding is that FRP calculates taxes annually on the returns on your "tax deferred" savings using the ordinary tax rate (because it assumes that these are all distributions from IRAs and tax deferred retirement accounts that are taxed at ordinary income tax rates). FRP calculates taxes annu...