Within Excel you can do: =IRR(cell range including total equity in the cell all the way to the left as a negative, followed by each of the year by year cash flows)

This is retirement savings and has tax preferred status to help you build up a bigger nest egg once you reach retirement age.  

All this means is that as long as you don't pull out more than 4% a year, you probably won't ever dip into your nest egg. 4% of 625k = 25k4% of 750k = 30kSo, if the stock market (or your chosen combination of income generating assets) makes a return of 4% or better, you should be fine to pull that amount out to live on without ever having to cut into that chunk. 

I am the one with the goose with the golden eggs.

This also applies to any "wrap" mortgage agreement.A "Partitioned Note" is one that divides principal, interest, payment or other terms, such as a balloon requirement into separate parts but is constructed as one obligation and secured by one security agreement, in Texas that would be a Deed of Trust.In the body of the note, each part must be described as an individual obligation as being a part of the entire obligation.I can have as many parts or partitions as necessary to meet the needs of several parties or one party that has different underlying financing requirements.Conceptually, think of a Series LLC, where each member has their own cell which is accounted for, their capital and earnings within that cell and each cell is consolidated to the LLC for its financial statements.

I'm in Dallas for a couple more days, But I have the new cell # for Lange as of last friday , back at my home.

So if they are found indoors, they have come in from the exterior but will not infest, mate, or lay eggs inside.

You need to get a DUNS number and some other things.You also can get a Home Depot or Office Depot accounts plus other smaller lines (cell phone, etc).

Hello,I am also new to this forum, I am in Commercial and Residential Title Insurance.We offer very quick turnaround on all files and one on one personalized service so I will work your file from the beginning to the end and always available by cell phone after normal business hours and on the weekend.

Availablilty-Post your cell phone and make sure to answer the line evertime it rings Frequency-Post every day Monday-Friday.