System, method and program product for managing and controlling the disposition of financial resources

Claim 3

A computer program product on a computer readable medium for controlling a computer, comprising: a. said computer program having first logic for storing in a fist record in the computer actual amounts of gross income, income taxes, after-tax income, living costs and savings for a base period of time; b. said computer program having second logic for storing in a second record in the computer a projected rate of inflation or deflation for the first period in a group of periods, said projected rate being related to the rate of inflation or deflation for the base period; c. said computer program having third logic for storing in a third record in the computer amount rates corresponding to each said amount that will be applied to said amounts to achieve target amounts for each said period, said amount rates being related to said projected rate of inflation or deflation; d. said computer program having fourth logic for converting said amount rates to factors by dividing each said amount rate by 100 and adding 1, and storing said converted amount rates into a fourth computer record; e. said computer program having fifth logic for applying each said converted amount rate to its corresponding amount to achieve said target amounts for each said period, and storing said target amounts in a fifth computer record; f. said computer program having sixth logic for storing in a sixth record in the computer an actual rate of inflation or deflation for the first of said periods and revised amount rates that are related to said actual rate; g. said computer program having seventh logic for recalculating said target amounts for each said period based on said actual rate of inflation or deflation and said revised amount rates, and storing said recalculated target amounts in a seventh record in the computer; h. said computer program having eighth logic for calculating variances between targeted amounts and actual amounts for any said period, and storing said variances in an eighth record in the computer; i. said computer program having ninth logic for displaying said variances; and j. said computer program displaying new projected target amounts based on said actual amounts.

Claim 4

A computer program product on a computer readable medium for controlling a computer, comprising: a. said computer program having first logic for storing in a fist record in the computer actual amounts of gross income, income taxes, after-tax income, living costs and savings for a base period of time; b. said computer program having second logic for storing in a second record in the computer a projected rate of inflation or deflation for the first period in a group of periods, said projected rate being related to the rate of inflation or deflation for the base period; c. said computer program having third logic for storing in a third record in the computer amount rates corresponding to each said amount that will be applied to said amounts to achieve target amounts for each said period, said amount rates being related to said projected rate of inflation or deflation; d. said computer program having fourth logic for converting said amount rates to factors by dividing each said amount rate by 100 and adding 1, and storing said converted amount rates into a fourth computer record; e. said computer program having fifth logic for applying each said converted amount rate to its corresponding amount to achieve said target amounts for each said period, and storing said target amounts in a fifth computer record; f. said computer program having sixth logic for storing in a sixth record in the computer an actual rate of inflation or deflation for the first of said periods and revised amount rates that are related to said actual rate; g. said computer program having seventh logic for recalculating said target amounts for each said period based on said actual rate of inflation or deflation and said revised amount rates, and storing said recalculated target amounts in a seventh record in the computer; h. said computer program having eighth logic for calculating variances between targeted amounts and actual amounts for any said period, and storing said variances in an eighth record in the computer; i. said computer program having ninth logic for displaying said variances; and j. said computer program displaying new projected target amounts based on said actual amounts.

Claim 5

The program product recited by claim 2 wherein said actual amounts, said projected rate of inflation, said rates, said actual rates of inflation and deflation and said revised rates are input to the computer by the user through the computer input device.

Claim 6

The program product recited by claim 2 wherein said actual amounts, said projected rate of inflation, said rates, said actual rates of inflation and deflation and said revised rates are received by the computer from financial planning computer software.

Claim 7

The program product recited by claim 2 wherein said variances are provided by said program product to investment software.

Claim 10

The program product recited by claim 6 wherein said actual amounts, said projected rate of inflation, said rates, said actual rates of inflation and deflation and said revised rates are input to said computer by the user through said computer input device.

Claim 11

The program product recited by claim 6 wherein said actual amounts, said projected rate of inflation, said rates, said actual rates of inflation and deflation and said revised rates are received by said computer from financial planning computer software.

Claim 12

The product recited by claim 6 wherein said variances are provided by said system to investment software.

Claim 13

A computer read only memory for directing a financial operation on the computer, said computer read only memory having a computer program product, said computer program product including: a first logic for storing in a first record in the computer actual amounts of gross income, income taxes, after-tax income, living costs and savings for a base period of time; b. second logic for storing in a second record in the computer a projected rate of inflation or deflation for the first period in a group of periods, said projected rate being related to the rate of inflation or deflation for the base period; c. third logic for storing in a third record in the computer amount rates corresponding to each said amount that will be applied to said amounts to achieve target amounts for each said period, said amount rates being related to said projected rate of inflation or deflation; d. fourth logic for converting said amount rates to factors by dividing each said amount rate by 100 and adding 1, and storing said converted amount rates into a fourth computer record; e. fifth logic for applying each said converted amount rate to its corresponding amount to achieve said target amounts for each said period, and storing said target amounts in a fifth computer record; f. sixth logic for storing in a sixth record in the computer an actual rate of inflation or deflation for the first of said periods and revised amount rates that are related to said actual rate; g. seventh logic for recalculating said target amounts for each said period based on said actual rate of inflation or deflation and said revised amount rates, and storing said recalculated target amounts in a seventh record in the computer; h. eighth logic for calculating variances between targeted amounts and actual amounts for any said period, and storing said variances in an eighth record in the computer; i. ninth logic for displaying said variances; and j. tenth logic for displaying new projected target amounts based on said actual amounts.

Claim 14

A computer read only memory for directing a financial operation on the computer, said computer read only memory having a computer program product, said computer program product including: a first logic for storing in a first record in the computer actual amounts of gross income, income taxes, after-tax income, living costs and savings for a base period of time; b. second logic for storing in a second record in the computer a projected rate of inflation or deflation for the first period in a group of periods, said projected rate being related to the rate of inflation or deflation for the base period; c. third logic for storing in a third record in the computer amount rates corresponding to each said amount that will be applied to said amounts to achieve target amounts for each said period, said amount rates being related to said projected rate of inflation or deflation; d. fourth logic for converting said amount rates to factors by dividing each said amount rate by 100 and adding 1, and storing said converted amount rates into a fourth computer record; e. fifth logic for applying each said converted amount rate to its corresponding amount to achieve said target amounts for each said period, and storing said target amounts in a fifth computer record; f. sixth logic for storing in a sixth record in the computer an actual rate of inflation or deflation for the first of said periods and revised amount rates that are related to said actual rate; g. seventh logic for recalculating said target amounts for each said period based on said actual rate of inflation or deflation and said revised amount rates, and storing said recalculated target amounts in a seventh record in the computer; h. eighth logic for calculating variances between targeted amounts and actual amounts for any said period, and storing said variances in an eighth record in the computer; i. ninth logic for displaying said variances; and j. tenth logic for displaying new projected target amounts based on said actual amounts.

Claim 15

The program product recited by claim 10 wherein said actual amounts, said projected rate of inflation, said rates, said actual rates of inflation and deflation and said revised rates are input to the computer by the user through the computer input device.

Claim 16

The program product recited by claim 10 wherein said actual amounts, said projected rate of inflation, said rates, said actual rates of inflation and deflation and said revised rates are received by the computer from financial planning computer software.

Claim 17

The program product recited by claim 10 wherein said variances are provided by said program product to investment software.