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2008.2 released 2/26/2008
- ALL: If you had a % sign in a Description on Infusions, Expenses or Investments and tried to copy and paste into another description, occasionally this would cause a run-time error type mismatch.  This did not happen all the time but anyway this is now fixed.
- ALL: Printing Assumptions would hide some N/A fields if main client was retired, but would also hide spouse fields even if spouse was NOT retired.  Wechanged the print code to decide independently whether each are retired or not.  If retired, then Annual Job Income, Company Match, Contributions, and Pre-Retirement Return will show as "N/A" for Not Applicable.
- ALL: Fixed Social Security bug that would display just one year of Social Security benefit if using built-in estimate.
- ALL: Fixed issue with Social Security taxation when Retirement Income Goal was set to something low.  Calculation was not looking at Special Expenses.
- ALL: Fixed SSA website link on Settings menu.
- ALL: Fixed issue with Investments, Infusions, and Special Expense screens where hitting Tab on last row and last column could cause a run-time error.  Wehave added code to add a new row when you tab off the last column of the last row.
- ALL: Changed the way Setting-> Tax Deferred Distributions -> Don't Allow Pre-59 1/2 Distributions works in the Spreadsheet calculations.  Before thisrelease, the tax-deferred investments would accumulate growth but the "Tax-Deferred Growth" column would show $0 in it which was confusing.  Now theprogram shows the actual Tax-Deferred Growth in that column even though it does not use that amount or any principal from Tax-Deferred if you have thissetting checked. Note that this change does NOT affect the future investment balance calculations it only affected what was shown in the "Tax-Deferred Growth" column on the spreadsheet.

2008.1 released 1/28/2008
- ALL: Added Settings -> Taxes where you can select whether to have the program net taxes out of Social Security and Pension.
- ALL: If you have a couple where both work and one retires earlier than the other, the program applies Annual Job Income to the retirement income needs. In prior versions no taxes were automatically netted out of that job income. In this version we now net the effective tax rate out of that income before applying it to the income needs.
- ALL: Updated built-in Social Security benefit estimate with 2008 data including COLA, Maximum Earnings, Bendpoints etc.
- ALL: Older spouse 50% bene calc would show $0 on main screen and SS if the Start Age occurred in a year prior to the main spouse's Start Age. This is changed so that 50% spouse bene can begin BEFORE worker begins their benefit. See SSA website for rules allowing this.
- ALL: If 50% bene calc applies, then double clicking the Soc Sec Amount "label" on the spouse tab will pop-up some details about that calculation.
- ALL: Built-in Soc Sec benefit calculation was looking at Retirement Age and not Soc Sec Start Age when calculating the early and late benefit adjustments; this is now changed
- ALL: Built-in Soc Sec benefit calculation now tied to past CPI data similar to the way SSA.gov does it in their online calculators
- ALL: Added estimate of taxes on Social Security including estimate of what % of Social Security benefit is taxable. This is just an estimate but a bit more accurate than always taxing 100% of Social Security.
- ALL: Set minimum width of column headers on Export to Excel. Otherwise columns are too narrow and require a lot of manual resizing.
- ALL: Print Detail Report screen: if you had an error in the From Age or To Age the error trapping code was an endless loop continually popping up the error message with no way out other than killing the program. This is now fixed.
- PRO: If you used File -> Save As, data was saved to 2nd file and you were then editing that file. However, the Caption title at top of program was not updating with the name of the new 2nd file, so some users thought they were editing original file. This is now fixed. File->Save As will create a 2nd file and you will be editing that 2nd file after the Save As process. Note that the 1st file should remain untouched from last save.
- ALL: On Save, the program creates a dated backup of your file before changes were made. This allows you to recover old versions in case of program failure or to create a backup history of file changes.
- ALL: Paycheck Savings Tool - Fixed problem where if you left Income $0 then program would crash from illegal division by zero.
- PRO: File->New will now add the file name to the most recently used file list on the File menu. Previously only File->Open would do that.
- ALL: Fixed intermittant errors with data values at bottom of main screen clearing back to 0 when clicking the mouse off the input box.

2007.2d / 2007.3 released 4/25/2007
- Installers updated with Windows VISTA compatibility
- Windows VISTA manifest file added to installers
- All installers are signed with Authenticode certificate to eliminate the Unkown Publisher pop-up in Internet Explorer
- All: Changed and updated Built-in Social Security Estimate algorithm to be more accurate when compared to the Quick Calculator on SSA.gov.  Our algorithm previously used a flat 4% to build the past earnings history from the current Annual Job Income.  We changed this to be like the QuickCalc where it uses the Average Wage Index historical series to determine on a year-by-year basis how to build the past earnings based on historical values.  This generates estimates that are much closer to the SSA.gov Quick Calculator.  Note that the estimate MAY BE LOWER than previously calculated.
- All: Added Federal Marginal Rates to the help file so that user can access them without going to the IRS website. Also updated this revision history for all of the 2007 updates so far.
- All: Soc Sec Earnings past history is rounded to nearest $100 to indicate to user that this is an ESTIMATOR and not an ACTUALATOR
- PRO: Added back the checkbox on Custom Contact Info as it was causing trouble; removed other code to automatically set it
- PRO: Fixed Tab Order for Spouse section on the New Client Info screen
- All: Added new code to check End Illustration At Age value.  If too big then no rows appear in the spreadsheet. (thanks Russell Bridgewater for your assistance)
- All: Fixed some of the checkboxes looking ugly on colored window background by adding transparent labels.
- PRO: Added error prompt when saving customization info. If you don't have privileges to write the file, then it will not save contact info or disclaimers.
- PRO: Added new 5th paragraph to allowed Customize Disclaimers function.

2007.2c
- All: Updated additional data points in the Social Security estimate; some of them were not updated to current values

2007.2b
- All: removed "end" in StopApplication as caused weird errors on program exit
- Lite: disabled Investments, Infusions and Expenses from Print Detailed Report screen in LITE edition
- Lite: exit ad was not showing during Lite edition trial period
- Lite: fixed PasswordLite form to have new green look

2007.2 released 3/30/2007
- Pro: Reset Owner col on Investments to Client/Joint otherwise when set to Spouse it stays spouse even if you OPEN a single client file... this messes up the investment totals
- Pro: Print Fact Finder now properly defaults to the Docs directory where Fact Finder is located; you can open that doc in Word, edit as needed and print from Word.  This allows you to have your own version of the Fact Finder rather than having only a hardcoded version from Torrid.

2007.1c
- All: fixed naming issue on investment screen tabs
- All: fixed main tab names resize when maximizing form
- All: changed button panel height to form height on resize or load so that it doesn't hide Exit based on monitor size or resolution
- All: changed investments form ScaleMode to Twips instead of Pixels (Thanks Dave Leney)

2007.1b
- All: fixed naming issue on main tabs... need to flip between profile names and open client file TTRec names
- All: fixed MRU list which was failing due to .dat filter in loop reading registry

2007.1 released 2/9/2007

- All: New Updated XP look-and-feel to the User Interface
- All: New Menu style with color and icons
- All: New Updated Button styles with Hover and Click States
- All: Updated Tax and Social Security Calculations to 2007
- Couples/Pro: Built-in Social Security benefit estimate now applies to Spouse as well
- All: Changed Paycheck Tax Savings tool so you can change the values on that screen. It still populates the screen from the data on the main plan, but you can then edit the income, contribution rate, and tax brackets right on that screen and see the effect.
- All: New design for secondary screens so it's not such a "boring gray" experience
- All: New Compiled Help CHM format with Index of Keywords, Searching, etc. This paves the way to add more visual help with screenshots and "How to" pages.  We will be adding more content later in the year.
- All: If you X out of program, AppUpdate Yes/No should now work.  It was hanging on some machines.

Version 2006.4 released 10/31/2006
- All: Spreadsheet view now has Year and Ages frozen as you scroll to the right so you always know which row/year you are viewing
- All: Copy/Paste is now active on the Investments, Cash Infusions, and Special Expenses grids. This allows you to Copy from Excel into these grids or paste from Excel into these grids. So, for example, if you had a list of investments in an Excel spreadsheet, you can now select them in Excel and paste them onto the Investments grid without having to retype the data. Only requirement is that the data is in the same order and is of the same size and shape selection.
- All: Print Detailed Report now allows you to enable/disable printing of the Spreadsheet pages - previously this was always mandatory
- All: Print Detailed Report - Personal Info & Assumptions now shows the assumed tax rates used; this was overlooked in prior versions (thanks Jason Levine)
- All: Total Effective Tax Rate is no longer a simple sum of Federal plus State, but now excludes the State/Local taxes from the Federal taxation since State Income Tax is deductible in calculating Federal taxes (thanks Stephen Lovell)
- All: Investments, Infusions, Expenses screens sometimes entered a zero on first key stroke after Tab; this new grid component should fix that issue
- All: First names now printed on Personal Info & Assumptions page (thanks Tony Vallera).
- Pro: Spouse birthyear is now blank when New Client screen comes up; thus you don't have to clear it each time if there's no spouse
- All: If you entered a Special Expense with an inflation rate BEFORE start age > 0% AND a start age equal to the primary client's current age, the program was inflating the value 1 year which overstated the value in the first yea of the expense. In the case where the start age is the same as current age, there is no BEFORE period and that inflation rate should be irrelevant. This is now fixed so that this extra year of inflation does not occur.
- All: Program will now ask you Yes/No whether you want to perform an AppUpdate check. This uses the internet to check our website for a new version. It will tell you if a new release is found or not (thanks Bob Ryker).
- Pro: Customize Contact Info -> advertising text box had gotten sized differently than actual textbox on splash screen. By fixing the size, the editing now matches what you see on the Splash Screen advertising text box (thanks Waverly Rose).
- Pro: Added File -> Print Fact Finder menu item that opens Torrid Tech branded fact finder in Word. You can then edit as needed, rebrand, and print.
- Pro: Added better formatting to spreadsheet data when using Export to Excel function. Headings are now formatted and centered. Dollar values are formatted as dollars rounded to nearest dollar.
- Couples: Added carriage return after Raise factor on printed Personal Info & Assumptions page.

Version 2006.3 various releases

2006.3f
- All: Printing Investments, Infusions and Expenses pages would show "intentionally left blank" type message if you skipped a number of rows and just entered a value far down on spreadsheet. This is now fixed so that that message would only show at end even if you skipped a number of rows.
- All: If you had a Cash Infusion in the year an RMD occurred, AND it was set to Tax-Deferred then it was being added before the RMDs were calculated which mistakenly inflated the end of prior year balance. Tax-Deferred Infusions now are added in AFTER the RMDs are calculated. (thanks Diane Byrne)

2006.3e
- Personal: Retirement Returns now print on Detailed Report - Personal Info & Assumptions page, if you are already retired (thanks Gary Hack).
- PRO: Changed Life Needs printed report to remove the Retirement references from the year-by-year spreadsheet. This was confusing because the Life Needs print is focused on current income needs funded by life insurance, and not on retirement income needs.
- PRO: Changed Tools menu items to cap the investment returns at 12%. This includes Life Insurance Needs, Added Savings Solver, and Saving for a Future Goal.
- All: When you click a label on main screen, it activates the input text box. This was not working properly on every label, but has now been fixed on all labels.
- PRO: Added a 4th paragraph of disclaimers that you can customize on the final disclaimer page
- All: Changed title printing on Classic style report to be consistent with other page title format.
- All: Changed pagination on Classic style report Personal Information page so that it does not print a blank page afterwards (happened on some printers).

2006.3d
- All: If you disable the RMDs, then it shows the word "DISABLED" on the spreadsheet column for the RMDs so that you know why no values are listed.
- problem with the balances getting cleared out when you start retirement... thus it "starts over" each run thru....causes calculation problems..

2006.3c
- problem with the way contributions were credited if one spouse retired early - caused balances to be OVERSTATED once first spouse retired (thanks Adam Cornwell)

2006.3b
- All: Links to internet sites now work in latest Firefox browsers. Previously it would launch the browser but not send in the web url
- All: If you have line on a graph and change a data point... dollars in boxes don't change until you moved mouse again over graph. Changed it so update of data readers occurs instantly when the recalculation is triggered.
- Pro: Added tab highlighting on Customize Contact info screen so that it is more apparent which field you are editing.
- All: Added "line freeze" to graph reader lines. Single click a location with your mouse to fix the line in place. Move mouse off graph and back on to free line again for movement. This helps you focus on a certain important "point" you want to show a client. It also helps fix data values for printing of the graphs.
- Pro: Changed code that pops up when Client File is open and you try to change age. It was popping up too much the way it was coded before.

2006.3
- All: You can now disable the Required Minimum Distributions taken from the Tax-Deferred investments pool. This is for a non-qualified annuity, for example.
- All: If there is no Spouse, then the Spouse RMD Columns are now hidden on the Spreadsheet.
- All: You must enter Software Registration info in order to go into the program. Changed code to prevent X out of that screen which then creates program errors.
- PRO: If you had no Client File open, changing the Current Age did not change the RMD calculations. Since the RMD calculations are based on the client birthyear, changing the Age directly is no longer allowed if you have a Client File Open. If you have no Client File Open, you can change the Current Age fields directly and the RMD calculations will track based on the same age.
- PRO: If you close a Client File that had a spouse, the program now reverts to hidden Spouse on Close. Otherwise you get odd results seeing the spouse calculations with no spouse data.

Version 2006.2 various releases

2006.2i
- All: You can now set the END of the illustration to a maximum age less than 100 via new input on Other Assumptions tab.
- All: Initial Social Security Start Age is now set based on the birthdate (ex:. 1960 and above birth year means regular start age is 67).
- All: If you use the built-in Social Security estimate, then the first year benefit and assumed COLA is now properly printed on the Detailed Report.
- All: If you use the built-in Social Security estimate, the first year estimated benefit now shows in the Annual Amount for primary client in grayed out field instead of generic $0.
- PRO: Edit Current Client on Pro menu now disabled if no Client File is open.
- PRO: Spouse dies radio button on Life Needs tool is now disabled if there is no spouse.

2006.2h
- RARE: fixed job income and raise not saving in pro client files for advisor who set the defaults to already retired when they open program.

2006.2g
- if you had a spouse and both had Tax-Deferred accounts, in some cases the RMDs from the spouse account were not being properly deducted from the total investments even though they were properly deducted from the spouse's separate tax-deferred investements pool (thanks Paul Cyr).
- if you entered any Special Expenses to be deducted straight from the Tax-Deferred investments via last column setting, in some cases you would see the Total Investments go negative which lead to some odd calculations. This is now corrected. (thanks Peter O'Neill).

2006.2f
- fixed bug on Pro cover page printing... if you didn't enter a phone or email it would show the label anyway (thanks Rick Sienkiewicz).

2006.2e
- found bug in Pension Age code (thanks Denis Weiss).

Version 2006.1 released 1/9/2006
- All: Added Required Minimum Distributions calculations - RMDs are now calculated and taken into account for those with Tax-Deferred investments starting at age 70.5. Currently uses the Uniform Table ONLY and does not use the Joint table if spouse is more than 10 years younger.
- All: Can view the RMD calculations on the spreadsheet.
- All: The Social Security estimate now uses the 20 year average of Cost of Living Adjustments (COLA) from the SSA. This rate is 2.98%. The announced COLA rate for 2006 was 4.1%.
- All: Updated the Social Security estimate to reflect the latest 2006 data changes for National Average Earnings, Maximum Creditable Earnings, Bendpoints, etc.
- PRO: Can add client photo to the client information screen.
- All: Changed activation key format to support new 2006 subscriptions; will make it easier to send clients new activation keys and reduce confusion about renewals.
- All: Changed order of Income Graph data readers so that the colors from left to right match the colors on graph from top to bottom; reduces confusion when looking at the Income Graph.
- All: Fixed bug where Investment Growth sometimes showed a negative value in some retirement years.

Version 2005.7 released 11/22/2005
We apologize in the delay in this release but as you can see below we have done a lot of changes and improvements to make the software as reliable and useful as it can be. If you already have installed the 2005 version AND have not already updated using the AppUpdate engine inside the running software, then download and install the following patch: 401k20057patch.exe
- All: Fixed printing of graphs with Print Detailed Report... now properly captures mouse location and sets graph data.
- All: Got rid of the Tax Deferred Matching limitation that Match could not be greater than Contributions. This allows you to now have a Match greater than your own contributions.
- All: Removed the word "annually" from next to Soc Sec benefit on deteiled report assumptions b/c was getting cut off on some printers
- All: If you use large fonts or have certain settings, the font sizes could appear too large on the various grids in the software. This problem is now fixed (thanks Ralph Butz).
- PRO: If you cancel a File -> Open Client dialog, then program now cancels and does nothing.
- PRO: New Client now clears the Descriptions on the infusions and expenses screens.
- PRO: If toggling between Already Retired back to not yet retired, program now restores your Income and Raise data.
- PRO: If you enter an invalid birth year, the program will now warn you of the problem. Previously it would ignore the invalid year, and if birth year of spouse, it was hiding spouse functionality.
- PRO: Added Most Recently Used file list to the File menu.
- PRO: Client file name is now shown in window title when a client file is opened (thanks Don Ross)
- PRO: Changed dialog title on File -> Save Client As... to show "Save Client Data File As..." for better clarity (thanks Don Ross)
- PRO: Changed dialog title on File -> Open Client... to show "Open Client Data File..." for better clarity (thanks Don Ross)
- PRO: Save dialogs now tell exactly what path and file the data was saved to.
- PRO: Tax-Deferred Contribution and Match were not always loaded in correct format, dollars or percentage. This is fixed now. (thanks Don Ross)
- All: Fixed sporadic error on printing "Overflow Error 6" (thanks Steven Chiang)
- PRO: On New Client or Clear, program now clears out the investments, infusions, and special expenses values, and resets descriptions to the defaults.
- PRO: If you use the Life Needs tool, it now hides the selected decedents' age on both graphs to reduce confusion (thanks Jim Heinrichs).

Version 2005.5 released 3/31/2005

- Pro: Added "Savings Solver" that calculates estimated savings needed until retirement to eliminate the red shortfalls through a specified age.
- Pro: Added a "Life Insurance Needs" tool that calculates the amount of life insurance you might need.
- All: Changed Retirement Income Graph code to show bars through age 100. It was showing only through age 98.
- Couples: If you install the Couples Edition, it will now ask you for the Spouse name and birthdate when you first run the program (thanks Gary LaRoy).
- Personal/Couples: Printing of Pro style report was printing names from the sample data file instead of the registered user names (thanks Larry Bishop and others).
- All: Program now uses the latest SP6 VB Runtime files from Microsoft.
- All: On the Help menu, the Help Contents link is now fixed and links to the proper page in the Help file.
- Personal/Couples: cover page on print out now displays correct name of registered user and no longer displays the name of the sample financial advisor from the Pro version (thanks Larry Bishop).
- All: On printing, we updated the text on the Retirement Income Graph page to match the changes we made in the 2005 version.
- All: Printing of year-by-year rows now ends at the specified Stop Age on the Print screen.
- Hyperlink to website on splash screen now points to the correct web address, even if Pro version customization is present (thanks Dan Haines).
- All: Fixed combo box pop-downs on all the grids where clicking down arrow did not hold the selections for user to make a selection (thanks Igor Katenev).
- All: On investment, infusion, and expense grids the Tab and Arrow keys no longer include the row number column.
- Personal: On investment grid, Tab was triggering a hidden column for the "owner". This should now be fixed so that the Tab and Arrow keys will skip any hidden columns.
- All: In a rare case, if you had tax-deferred expenses, the calculations were correct, but you would see a red shortfall drawn on the Retirement Income Graph even though there was no actual shortfall (thanks Zeno Windley)
- All: On File menu "Print Savings Graph", or CTRL+G, the selected data values now default to the age at the current mouse position over the graph (thanks Ric Ordway).
- All: Fixed graph dollar labels on left from moving around after resizing the screen.
- All: Widened the Investments grid so that the Tax Type combo dropdown fits better and stops scrolling right to view.
- Pro: Opening data files with spouse or no spouse was not properly showing/hiding spouse user interface elements.
- All: Added "Retirement Begins Here" line on the printed report

Version 2005.4 released 2/1/2005

- improved the "maximization" of the main program window so that all
- added to printed report the before and after returns to the printed Investments page
- added to printed report the tax type to the printed Investments page
- added infusions and expenses printing on the detailed reports
- if you tie Pension COLAs to inflation, changing inflation now instantly reflects that change in Pension estimates
- changed interface so hitting Backspace to clear Client Age, for example, does not crash program (Thanks David Turben)
- added 0% to list of available federal marginal tax rates in case you want to disable taxation or use effective rate
- fixed issue with Taxable - Cash Infusions being improperly calculated into the spreadsheet
- PRO: New or Open of client file will "Show" Spouse interface items if you enter a full spouse birthdate; it will also "Hide" spouse items if you do not enter a Spouse birthdate; you can add a spouse later using Pro->Current Client to re-enable the Spouse functionality
- fixed issue with Investment returns not properly calculating on Investments screen if BEFORE retirement return was zero
- fixed printing issue where contributions were not formatted as dollars if contributing as dollars instead of percentage of income
- fixed issue with Pension amounts adjusted for COLA in relation to retirement age instead of specified Pension Start Age
- fixed issue with Social Security COLA being applied too soon before Start Age; COLA now only applied after Social Security Benefits start
- fixed issue on some cases where the Social Security or Pension Start Age was not being used correctly
- fixed issue with built-in social security estimate being active; if you then changed the Taxable Retirement Return and hit Enter program would crash; could not set focus to the soc sec start amount because its disabled when you use built-in estimate
- fixed issue with income graph label moving behind the graph slightly on resize of the main screen
- PRO: fixed issue with client birthdate "day" not being saved and loaded properly
- fixed issue with "spouse still working" job income not being properly added every time into the accumulated investments (thanks Bruce Farrer)
- fixed issue with 2004 investments data crashing program when you click on the Investments screen

Version 2005.3 released 1/21/2005
- fixed bug where multiple Cash Infusions for same target age would not show up, only the last infusion on the list for that age would show up in the spreadsheet and calculations
- fixed bug where Social Security value for spouse was not increased with the COLA value (thanks to Tom Cooney, Alan Bornstein)
- fixed bug where pressing Enter in the Raise factor field caused program to crash; set focus code was not valid (thanks to Nick Xenos for pointing this out)
- fixed if you changed Settings menu items Tax-Deferred/Taxable/Tax-Free Contributions to Percent of Annual Income - program would crash if Annual Income was ZERO (Thanks Tom Greenberg)
- fixed print detailed report - Social Security and Pension headings would not show up even if you entered a Social Security or Pension amounts
- fixed if you left Age or Retirement Age program slow to update - fix only applies if you did not change the age
- fixed if Social Security Built-in estimate was selected you could not enter amount for Spouse on main screen
- PERSONAL: fixed bug where if you had the Other Assumptions tab active and maximized or minimized the screen, then the daat entry boxes for the Other tab would disappear due to the resize
- PRO: fixed Client Contact screen where you couldn't see Save and Cancel buttons on 800x600 resolution monitor... they appear off screen and couldn't access it (thanks Bruce Farrer)
- PRO: removed blue background of textboxes on Client Contact Info screen
- PRO: added form resize ability on Client Contact Info screen so that you can maximize it to monitor settings if you want

Version 2005.2 released 1/19/2005
- fixed issue with activation keys in Couple version not working

Version 2005.1 released 1/18/2005
- New 2005 edition: Added Spouse inputs for Couples and Professional editions
- New Tax-Free investments bucket.
- Better tax treatment of retirement distributions so you can target an after-tax income goal/need.
- Improved spreadsheet and grid controls, better editing and color coding to match graphs.
- Can now enter separate returns for before and during retirement for EACH investment, rather than one "return during retirement" value.
- Can now enter tax rates for federal, state/local for both before and during retirement.
- PRO: Client files use client's birthdate now so that age is automatically calculated for you.

Version 2004.9 released 9/22/2004
If you have the 2004 version AND have not already updated using the AppUpdate engine inside the running software, then download and install the following patch: 401k20049patch.exe

- improved the "maximization" of the main program window so that all elements are resized to a larger size; fixed the issue with some of the data reader boxes being off the screen
- removed the maximum limits on contributions and company matching
- added ability to print Savings Graph in the Print Detailed Report for the Pro style
- added a Print Savings Graph option on the File menu to just print that one page quickly
- changed scaling on Income Graph to better account for Special Expenses
- added formatting code to Annual Return fields so that would not show up out to 10 decimal places during editing
- reformatted all buttons to use transparency and changed background color to match your selected windows button color
- PRO: added a Clear Entries menu item that resets/clears most of the inputs in the program
- PRO: fixed issues with saving and reloading infusions and expenses from client DAT files (very weird issue finally solved)

Version 2004.7 released 7/8/2004
- on printed cover page, moved advisor name and contact info to left to allow for longer names (thanks to Tim Kunkel and Amy Anders)
- added Social Security benefits summary to printed report (thanks to Tim Kunkel)
- widened Expenses screen grid so that "long term care insurance" is visible in description without having to manually widen the column
- added more error checking to the application update wizard to trap errors that may occur in that area
- added space between expenses lines on printed report to match the format of the infusions printed page
- fixed fencepost error where expenses or infusions thru age 100 were not going all the way to age 100 but were stopping at age 99
- due to variations in the printable page area of different printers, we have changed the font size for the year-by-year numbers on the report to font size 10. This will allow everyone to be able to print all columns. In the future we will be adding more flexibility to the report generation and printing options.
- PRO: On File->Open values on investments, cash infusions and expenses are cleared out before loading from client file
- PRO: On File->New or Close, values are set back to basic default data to reduce confusions between client files
- PRO: On File-> Close, client contact data is cleared. Program was keeping that in memory from prior client.

Version 2004.6 released 5/3/2004
- added new Special Expenses function that allows you to plan for lumpsum and payment series expenses such as a big vacation, buying an RV, long term care costs, long term care insurance, 72T payments, etc.
- renamed Retirement Goal box on income savings data reader to "Goal + Expenses" to better reflect what is visually displayed. Retirement Income Goal on the spreadsheet and print out still is showing the regular inflated retirement goal without the Special Expense added in.
- added new column to the spreadsheet to display the "Special Expenses"
- moved warning about the Social Security value for those over age 65 because it kept popping up too much; now only shows when exiting the Social Security screen from Settings
- change cash infusions projection rate to continue even after multipart series starts; previous version had the projection rate stop once the infusion started
- Social Security box on income graph is now always visible. Previously it was hidden if social security was zero. This was confusing to some users.
- when you maximize the program, the data readers now enlarge for easier reading
- added printing of a cash infusions page
- added printing of a special expenses page as well as new column for expenses on year-by-year detail
- can separately set the projection rate of cash infusions both before and after they start
- can separately set the inflation rate of expenses both before and after they start
- selecting StartAge in popup on Infusions screen now is saved if you just click off to another field; previously only the Enter or Tab key would save your selection.

Version 2004.5 released 3/6/2004
- enhanced report printing with options for cover page, separate pages for assumptions, investments, disclaimers etc.
- reformatted the disclaimer printing for better alignment and margins even with different font sizes
- fixed bug on cash infusion duration where program would freeze if the start age and duration exceeded 100
- PRO: fixed issue with give away disks that was preventing free usage of the giveaway disks on some computers

Version 2004.4 released 2/17/2004

- detailed report now prints cash infusions and retirement income deficit columns
- added a clear selected row button to the cash infusions and investments screens
- cash infusions and investment grids now respond to Tab key
- added function to transfer spreadsheet data to Excel if installed
- added ability to copy spreadsheet data to the clipboard
- added a status to main screen and printed detail report indicating whether user is still saving for retirement or is "already retired"
- increased limits on annual income and retirement income goal to $5,000,000
- if social security is disabled, then column no longer prints on detailed report
- if no pension is entered, then column no longer prints on detailed report
- cash infusions spreadsheet now takes selected start age value if you use Enter, Tab, or Arrow keys to go to another cell
- cash infusions estimated value now allows you to backspace and clear the value to zero
- fixed obscure bug for first year in retirement if age was less than 62, social security was off, then the income from growth in the first year of retirement was not showing up correctly... it was showing as a red deficit.
- changed Annual Frequency label on cash infusions to "Duration in Years" for clarity
- PRO: fixed issue with cash infusions either not saving to client data files or causing program to crash on save of client data file
- PRO: fixed minor bug where current age was not getting populated into Print Detailed Report dialog; it was always defaulting to the age when you first printed a report

Version 2004.3 released 1/16/2004

- added ability to have cash infusions inject BEFORE retirement and get added straight into Total Investments pool. An example would be an inheritance lumpsum received prior to retirement. Prior versions were only allowing infusions at or during retirement.
- fixed the Type Mismatch Error 13 problem that was occurring on only some computers on startup
- added important explanation text to Cash Infusions and Investments screens
- fixed cash infusions bug where infusion would not draw on the income graph and thus it was showing a red deficit visually instead of the white for the "other income"; clarification to all users: "other income" on retirement income graph includes "Annual Income" if you enter it on the main screen and are already retired, as well as any "cash infusions" that may occur in that year
- fixed problem where some cash infusions that were larger than income needs were amount not needed in current year was not getting added back into the Total Investments amount
- annual frequency field on cash infusions screen was not activating properly and was also causing other fields to behave strangely after selecting annual frequency... this should be fixed now.
- added numeric check on various values for more reliable prevention of Error '13' Type Mismatch errrors
- added Deferred Compensation as one of the default descriptions on the Cash Infusions screen
- if already retired, then we disable the annual return fields on the main screen under the Tax Deferred and Taxable sections because if you are already retired only the "Return during Retirement" field is used.
- fixed scaling problem on Savings Graph where bar would not jump up until the year after a large cash infusion; text reader value was correct but bar was not correct height
- added deferred comp and spouse still working as default options on the cash infusions list

Version 2001.2 released 2/7/2001
- Social Security amounts were incorrect on the income graph for the last version 2001.1; if retirement age was less than 62, then it would show Social Security payments even though you cannot get retirement benefits from Social Security prior to age 62; this version 2001.2 corrects this problem.
- If you entered a Current Age in the twenties in version 2001.1 only, the program was crashing depending on what the Retirement Age was set to; this version corrects this problem.
- Changed the spread sheet column names to be more descriptive and easier to understand; changed this on the grid and on the printed detail report.
- Added name, company, address, contact info, etc. to printed detail reports (for PRO version only).
- Added better formatting to the printed detail reports (both Regular and PRO versions).
- Added software version number, copyright information and web address to the printed detail reports at the end of the report.
- Fixed old email addresses on some of the PRO version message boxes.
- Changed Age to Current Age on the detail report to match the main screen input label.
- If user does not enter any assets on the Asset List, the Asset List headers would print on the detail report, but nothing else. This new version prints placeholders if there are no assets.
- User info on the detail report used to print squares in certain places due to bad characters being printed. This new version attempts to eliminate that.

Version 2001.1 released 1/20/2001
- Increased the maximum output age of the calculation from 90 to 100. The additional years of calculations will appear in the SpreadSheet ONLY, not on the graphs.
- Fixed bug in the display of the Interest Income in the first year of retirement on the Spread Sheet. At the beginning of each year in retirement, the retirement income goal withdrawal is made first, then the interest for the year is calculated using the remaining balance.
- Updated the Help file. Added more information to the FAQ.
- Improved the output printed in the Detailed Report.

Updated the Social Security Estimate as follows: All of the underlying data and calculations have been updated to the latest available data and Social Security laws.
- Cost of Living Adjustment was increased to 3.5% for 2001.
- The Maximum Creditable Earnings were increased to $80,400 for 2001.
- The Bend Point 1 used in calculating the Primary Insurance Amount (PIA) is now $561 (was $531) for 2001.
- The Bend Point 2 used in calculating the Primary Insurance Amount (PIA) is now $3,381 (was $3,202) for 2001.
- The Year 2000 and above National Average Wage Index is estimated using a conservative 3% above the latest year of actual data - 1999; the official 1999 National Average Wage Index is $30,469.84.
- The software was updated to use the current year 2001 Federal Income Tax Tables.
- All of the titles, help files, copyrights, and setup program have been updated to the new look and the new year.

Version 2000.3 released 2/3/2000
- added standard Windows keyboard shortcuts to all menu items
- added default "Enter" activation for all command buttons (i.e. OK buttons)
- added default OK button on splash screen so user can pass it more quickly if desired; otherwise timer will remove screen automatically after a few seconds
- added ability to save asset list information to a file; this is useful for the Pro version users and site licenses who want to pre-configure the software with the actual fund names available in their retirement plan
- added Torrid logo and updated information to the About screen
- updated contacts info to new sales and support email addresses
- added program limitations, FAQ, and revision history to the help file

Version 2000.1 and 2000.2 released 1/2000
Social Security Estimate Data Updates: All of the underlying data and calculations have been updated to the latest available data and Social Security laws.
- Cost of Living Adjustment increased to the latest data of 2.4%
- The Maximum Creditable Earnings were increased to $76,200
- The Bend Point 1 used in calculating the Primary Insurance Amount (PIA) is now $531 (was $505).
- The Bend Point 2 used in calculating the Primary Insurance Amount (PIA) is now $3,202 (was $3,043)
- The Year 2000 National Average Wage Index is estimated using a conservative 3% above the latest year of actual data 1998 $28,861 which yields 1999 index of $29727.28 and 2000 index of $30619.10
- The software was updated to use the current year 2000 Federal Income Tax Tables.
- All of the titles, help files, copyrights, and setup program have been updated to the new look and the new year.
- The new setup/installation program is designed to be more user friendly, fewer screens and fewer problems during the installation process. The End User License Agreement (EULA) is now presented in a clearer manner.
- Increased the allowed contribution percentage for Tax Deferred savings contributions to 50% and dollars to $50,000 because some users claimed their profit sharing, voluntary savings, retirement plan and others all combined exceeded the prior threshold of 25%.
- Fixed inconsistencies on the main screen on the interface border sizes, styles and alignment of the 3 main panels
- Fixed the alignment of text input boxes problem that showed up on Windows 98 and above.
- Eliminated SoftLock registration method via "e-mail" since its no longer offered.
- Using new SoftLock registration utility with their new contact information in Maynard, MA.
- Fixed bug where Pension amount in first year of retirement was being incorrectly added into the Total Investments balance

Version 3.991
- added new SoftLock registration utility which adds even easier registration via e-mail, web, 1-800 phone. Now accepts credit cards with expiration dates greater than the year 2000. Prior version, due to an oversight, did not accept credit card expiration dates Year 2000 and above.
- the passwords purchased are now more user friendly in that the new systems will allow you to recover your software or move it to a new computer without having to request a new password.
- updated the Social Security calculations to the new 1999 numbers for latest accuracy with respect to Maximum Benefit, Average Indexed Monthly Earnings, National Avg. Earnings, 2 bendpoints, and the Cost of Living Adjustment (COLA)
- also, reduced several of the inflation factors involved in the social security calc from 5% to 3% to provide a better estimate. The older estimates may have been a bit high. The factors reduced to 3% for the estimate include national average earnings inflation factor, salary projection into the past to age 22, and the Primary Insurance Amount inflation factor
- updated and enhanced the HELP file

Version 3.985
- updated SoftLock registration utility to work on Windows NT
- fixed a bug that calculated the incorrect interest income in the first year of retirement.

Version 3.984 and earlier enhancements:
- updated Social Security calcs for 1998.
- vastly improved and re-organized Help file!!!
- added 20% to Tax Bracket input for new 1998 Long Term Capital Gain rate for Taxable Investments.
- updated Settings menu options to say "Percentage of Salary" rather than the less specific "Percent of Income".
- changed Pension calculation to NOT automatically apply any inflation in post-retirement; you do have the option of inflating the pension during the pre-retirement period
- in Pro '98 version, changed Make Setup Disk to have fewer option which makes the feature far less confusing to the user.
- in retirement, retirement income goal amounts are now paid out before interest accrues for that year
- Annual Return maximum has been raised from 25% to 35%. Prior enhancements already added:
- print graphs
- more ways to register
- can enter company match and contributions using raw dollar amounts or by percentage of salary
- SOCIAL SECURITY estimate
- asset allocation model
- better printing and reporting
- spreadsheet and graphical analysis of your 401(k) balance growth and retirement income
- set a retirement income goal in today's dollars and $401K Planner will show you clearly in a graph whether your current savings strategy will meet that goal.
- new and improved interface

This program can be customized with your company name, logo, and contact info for distribution to customers, employees or 401(k) plan participants.

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