Vinay, I would suggest you read the help feature concerning exactly what the
Lifetime Planner does in Money. It does NOT operate the way your questions
would suggest. Good luck. Steve

I am working with money 2004 and I would like to know the
answers for these questions related to life time planner,
please do the need full, listed below are the quesions.

1) What if I want to add saving/investment accounts to my
lifetime planner, but do not want those reflected in the
rest of my money file. Specifically, I want to use the
Lifetime Planner to estimate financial scenarios that
may not have happened yet. For example, what if I want
to include an IRA education account for a future child? I
want the account in the lifetime planner-so I can
estimate my lifetime plan. However, as I do not have
children at this time, I do not want the account to show
up in my account list. What do I do?

2) what if I want to estimate a "scenario" in the budget
planner that has not happened yet? For example, what if
I currently am single and live in Phoenix. However,
what if I plan to get married, have kids and move to San
Francisco soon. How would I use the "budget" planner to
reflect my current lifestyle (i.e. single in a cheap
City) and, at the same time, create a budget that would
reflect my future scenario (married, two kids, living in
a more expensive city)? I want to use Money to manage my
current life. But, I also want to use Money to plan my
future life. I believe I can accomplish this task using
the lifetime planner, but am not quite clear on how to do
so.

3) Also, what if I do not want to use the scheduled
paychecks feature for the Lifetime Planner? Then, what do
I do to estimate the proper income myself and my future
wife?

4) What if I want to include a Home purchase and a
Vacation Home purchase in the Lifetime Planner (as a
scenario), but not in my actual money file? In other
words, how do I account for asset purchases that have
not happened yet but I want to include in my scenario?

5) How do I use money for two people? Currently, I am
the only user for money. However, in the future, I want
to use Money to manage my future wife and kids. My
future wife has her own job, investments, credit cards
and bank accounts. So, I want to keep her information
separate. Yet, at the same time, I want to be able to run
reports that track our total spending and estimate our
total net worth. What is the best way to do this?

6) My future wife has outstanding school loans. So, I
would want to include in the Lifetime Planner her debt?
How should I do that? Can I do it as a "scenario" without
actually adding the debt to Money until we get married?

7) How does money define trusts? Does it view a trust as
a source of income, but not as an asset to be included
in Money? For example, if I have a trust that is
invested in mutual funds, how should I account for that
asset? Should I label it under trust in the lifetime
planner? Or should I label it under saving and
investments in the lifetime planner? Also, when you pick
a return rate for your investments, does the estimate
used in money account for fees and expenses, or only the
historical stock market? Or, does money use the
Historical stock market return (say about 10%) and then
dedect the 3% inflation? I am trying to figure out how to
reflect a "real" scenario in my lifetime planner, not
one inflated my return estimates that do not include
inflation, fees and expenses, etc.

Standing by your earliest response.

Best Reagards,
Vinay