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Roth vs. Traditional Equation

askbob
Posts: 7,254
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3/18/2011 10:25:25 AM
Posted: 5 years ago
So I've been working pretty hard on this for my thesis and I wanted to get some input.

The taxation structures may be differently named in your country, but if they work the same way as the US this equation should be applicable.

I'm fairly certain that no equation has ever been done in a published format, let me know if you find any others.

Inputs: http://i51.tinypic.com...
Equations: http://i52.tinypic.com...

It took a long time to make so don't bash it too hard lol.
Me -Phil left the site in my charge. I have a recorded phone conversation to prove it.
kohai -If you're the owner, then do something useful like ip block him and get us away from juggle and on a dofferent host!
Me -haha you apparently don't know my history
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Ore_Ele
Posts: 25,980
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3/18/2011 10:42:33 AM
Posted: 5 years ago
At 3/18/2011 10:25:25 AM, askbob wrote:
So I've been working pretty hard on this for my thesis and I wanted to get some input.

The taxation structures may be differently named in your country, but if they work the same way as the US this equation should be applicable.

I'm fairly certain that no equation has ever been done in a published format, let me know if you find any others.

Inputs: http://i51.tinypic.com...
Equations: http://i52.tinypic.com...

It took a long time to make so don't bash it too hard lol.

Jusk looking at the first one. I suppose the I could be replaced with I sub n, where I is the average interest rate for that given year. Since it will always be changing each year, unless you get only in long term bonds with set rates.
"Wanting Red Rhino Pill to have gender"
askbob
Posts: 7,254
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3/18/2011 10:50:36 AM
Posted: 5 years ago
At 3/18/2011 10:42:33 AM, OreEle wrote:
At 3/18/2011 10:25:25 AM, askbob wrote:
So I've been working pretty hard on this for my thesis and I wanted to get some input.

The taxation structures may be differently named in your country, but if they work the same way as the US this equation should be applicable.

I'm fairly certain that no equation has ever been done in a published format, let me know if you find any others.

Inputs: http://i51.tinypic.com...
Equations: http://i52.tinypic.com...

It took a long time to make so don't bash it too hard lol.

Jusk looking at the first one. I suppose the I could be replaced with I sub n, where I is the average interest rate for that given year. Since it will always be changing each year, unless you get only in long term bonds with set rates.

If the equation was meant to view past data and deterimine the benefit/loss after the fact I would agree. I'm using it to project future values that are unknown, so it will use common assumptions such as interest rates.

Generally you can get a decent assumption of returns by saying 8% (longterm S&P 500) average.

Thanks for looking it over, i really appreciate it.
Me -Phil left the site in my charge. I have a recorded phone conversation to prove it.
kohai -If you're the owner, then do something useful like ip block him and get us away from juggle and on a dofferent host!
Me -haha you apparently don't know my history
Kohai - Maybe not, but that doesn't matter! You shoukd still listen to your community and quit being a tyrrant!
Me - i was being completely sarcastic
Kohai - then u misrepresented yourself by impersonating the owner—a violation of the tos
Ore_Ele
Posts: 25,980
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3/18/2011 10:55:39 AM
Posted: 5 years ago
At 3/18/2011 10:50:36 AM, askbob wrote:
At 3/18/2011 10:42:33 AM, OreEle wrote:
At 3/18/2011 10:25:25 AM, askbob wrote:
So I've been working pretty hard on this for my thesis and I wanted to get some input.

The taxation structures may be differently named in your country, but if they work the same way as the US this equation should be applicable.

I'm fairly certain that no equation has ever been done in a published format, let me know if you find any others.

Inputs: http://i51.tinypic.com...
Equations: http://i52.tinypic.com...

It took a long time to make so don't bash it too hard lol.

Jusk looking at the first one. I suppose the I could be replaced with I sub n, where I is the average interest rate for that given year. Since it will always be changing each year, unless you get only in long term bonds with set rates.

If the equation was meant to view past data and deterimine the benefit/loss after the fact I would agree. I'm using it to project future values that are unknown, so it will use common assumptions such as interest rates.

Generally you can get a decent assumption of returns by saying 8% (longterm S&P 500) average.

Thanks for looking it over, i really appreciate it.

That is true. Also, I think 1. b. is not a summation, but a single equation (since it is entirely in brackets).

It also seems like this is based off of starting from 0 (which a lot of people would use), but it also might be worth modifying it a bit to start from X (for people that have alreay saved X dollars and are wanting to know if they should adjust to it).
"Wanting Red Rhino Pill to have gender"
askbob
Posts: 7,254
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3/18/2011 10:57:55 AM
Posted: 5 years ago
At 3/18/2011 10:55:39 AM, OreEle wrote:
At 3/18/2011 10:50:36 AM, askbob wrote:
At 3/18/2011 10:42:33 AM, OreEle wrote:
At 3/18/2011 10:25:25 AM, askbob wrote:
So I've been working pretty hard on this for my thesis and I wanted to get some input.

The taxation structures may be differently named in your country, but if they work the same way as the US this equation should be applicable.

I'm fairly certain that no equation has ever been done in a published format, let me know if you find any others.

Inputs: http://i51.tinypic.com...
Equations: http://i52.tinypic.com...

It took a long time to make so don't bash it too hard lol.

Jusk looking at the first one. I suppose the I could be replaced with I sub n, where I is the average interest rate for that given year. Since it will always be changing each year, unless you get only in long term bonds with set rates.

If the equation was meant to view past data and deterimine the benefit/loss after the fact I would agree. I'm using it to project future values that are unknown, so it will use common assumptions such as interest rates.

Generally you can get a decent assumption of returns by saying 8% (longterm S&P 500) average.

Thanks for looking it over, i really appreciate it.

That is true. Also, I think 1. b. is not a summation, but a single equation (since it is entirely in brackets).

Great catch, will remove the sigma!


It also seems like this is based off of starting from 0 (which a lot of people would use), but it also might be worth modifying it a bit to start from X (for people that have alreay saved X dollars and are wanting to know if they should adjust to it).

I was just thinking that today and will make some changes to account for this
Me -Phil left the site in my charge. I have a recorded phone conversation to prove it.
kohai -If you're the owner, then do something useful like ip block him and get us away from juggle and on a dofferent host!
Me -haha you apparently don't know my history
Kohai - Maybe not, but that doesn't matter! You shoukd still listen to your community and quit being a tyrrant!
Me - i was being completely sarcastic
Kohai - then u misrepresented yourself by impersonating the owner—a violation of the tos
darkkermit
Posts: 11,204
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3/18/2011 11:01:17 AM
Posted: 5 years ago
At 3/18/2011 10:25:25 AM, askbob wrote:
So I've been working pretty hard on this for my thesis and I wanted to get some input.

The taxation structures may be differently named in your country, but if they work the same way as the US this equation should be applicable.

I'm fairly certain that no equation has ever been done in a published format, let me know if you find any others.


Inputs: http://i51.tinypic.com...
Equations: http://i52.tinypic.com...

It took a long time to make so don't bash it too hard lol.

So your posting this information up, even though your intellectual property becomes Juggle's property once you post it on DDO?
Open borders debate:
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askbob
Posts: 7,254
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3/18/2011 11:02:34 AM
Posted: 5 years ago
At 3/18/2011 11:01:17 AM, darkkermit wrote:
At 3/18/2011 10:25:25 AM, askbob wrote:
So I've been working pretty hard on this for my thesis and I wanted to get some input.

The taxation structures may be differently named in your country, but if they work the same way as the US this equation should be applicable.

I'm fairly certain that no equation has ever been done in a published format, let me know if you find any others.


Inputs: http://i51.tinypic.com...
Equations: http://i52.tinypic.com...

It took a long time to make so don't bash it too hard lol.

So your posting this information up, even though your intellectual property becomes Juggle's property once you post it on DDO?

Is the equation posted on this site? No. It's posted on tinypic.
Me -Phil left the site in my charge. I have a recorded phone conversation to prove it.
kohai -If you're the owner, then do something useful like ip block him and get us away from juggle and on a dofferent host!
Me -haha you apparently don't know my history
Kohai - Maybe not, but that doesn't matter! You shoukd still listen to your community and quit being a tyrrant!
Me - i was being completely sarcastic
Kohai - then u misrepresented yourself by impersonating the owner—a violation of the tos
Ore_Ele
Posts: 25,980
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3/18/2011 11:05:33 AM
Posted: 5 years ago
At 3/18/2011 11:01:17 AM, darkkermit wrote:
At 3/18/2011 10:25:25 AM, askbob wrote:
So I've been working pretty hard on this for my thesis and I wanted to get some input.

The taxation structures may be differently named in your country, but if they work the same way as the US this equation should be applicable.

I'm fairly certain that no equation has ever been done in a published format, let me know if you find any others.


Inputs: http://i51.tinypic.com...
Equations: http://i52.tinypic.com...

It took a long time to make so don't bash it too hard lol.

So your posting this information up, even though your intellectual property becomes Juggle's property once you post it on DDO?

I don't think Juggle would steal someone's thesis, since they know that would be the end of DDO as no one would come to this site after such an infraction.
"Wanting Red Rhino Pill to have gender"
askbob
Posts: 7,254
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3/18/2011 11:08:22 AM
Posted: 5 years ago
6. Proprietary Rights in Content on TinyPic.

6.1 TinyPic does not claim any ownership rights in the text, files, images, photos, video, sounds, musical works, works of authorship, applications, or any other materials (collectively, "Content") that you post on or through the TinyPic Services.
Me -Phil left the site in my charge. I have a recorded phone conversation to prove it.
kohai -If you're the owner, then do something useful like ip block him and get us away from juggle and on a dofferent host!
Me -haha you apparently don't know my history
Kohai - Maybe not, but that doesn't matter! You shoukd still listen to your community and quit being a tyrrant!
Me - i was being completely sarcastic
Kohai - then u misrepresented yourself by impersonating the owner—a violation of the tos
darkkermit
Posts: 11,204
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3/18/2011 11:13:59 AM
Posted: 5 years ago
At 3/18/2011 11:08:22 AM, askbob wrote:
6. Proprietary Rights in Content on TinyPic.

6.1 TinyPic does not claim any ownership rights in the text, files, images, photos, video, sounds, musical works, works of authorship, applications, or any other materials (collectively, "Content") that you post on or through the TinyPic Services.

Alright, fair enough, I get it. DDO can't steal your intellectual property from this post. My bad.
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Ore_Ele
Posts: 25,980
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3/18/2011 12:13:05 PM
Posted: 5 years ago
It just occured to me. I should be (estimated average interest - estimated average inflation). Since it is import to adjust for inflation. Someone that started saving for retirement in 1965 probably wouldn't have been thinking that they need $2,500 a month minimum (assuming they own their own, so don't have a mortgage).
"Wanting Red Rhino Pill to have gender"
askbob
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3/18/2011 1:32:54 PM
Posted: 5 years ago
At 3/18/2011 12:13:05 PM, OreEle wrote:
It just occured to me. I should be (estimated average interest - estimated average inflation). Since it is import to adjust for inflation. Someone that started saving for retirement in 1965 probably wouldn't have been thinking that they need $2,500 a month minimum (assuming they own their own, so don't have a mortgage).

yup good call, i'll change the label of I in the definition of inputs to be Real Interest
Me -Phil left the site in my charge. I have a recorded phone conversation to prove it.
kohai -If you're the owner, then do something useful like ip block him and get us away from juggle and on a dofferent host!
Me -haha you apparently don't know my history
Kohai - Maybe not, but that doesn't matter! You shoukd still listen to your community and quit being a tyrrant!
Me - i was being completely sarcastic
Kohai - then u misrepresented yourself by impersonating the owner—a violation of the tos