Steven Brown

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**Financial Basics 14 - Simple Investing**

This post is about describing, in the most simple terms, how to get started doing your own investing. When I looked back at my financial basics series, I realized that there were 4 posts (#7 through #10) dedicated to the subject of simply how to invest and ...

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**X-Y Plots (4Y) Spreadsheet - Another Easy Way To Explore Your Data**

This Spreadsheet... This spreadsheet is similar to the X-Y Plots spreadsheet but with a few differences: You can plot up to 4 Y variables on the same chart. Each category is a separate plot. You can easily switch between plots (different category). Downloa...

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**Monte Carlo - Run Monte Carlo Simulation without expensive add-ins**

(Stanislaw Ulam - inventor of Monte Carlo Simulation) This Spreadsheet... This spreadsheet allows you to run Monte Carlo simulation without use of expensive add-ins such as Crystal Ball Allows definition of many different input distributions. Input distribu...

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**Histograms Etc v1.0 - Easy Histograms, Probability Plots and Statistics**

This Spreadsheet... This spreadsheet allows you to quickly create professional looking histograms, probability plots and statistics of data. Plots histograms and cumulative probability plots for up to 10 distributions of data. Calculates statistics for ea...

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**X-Y Plots Spreadsheet - An Easy Way To Explore Your Data**

This Spreadsheet... This spreadsheet allows you to quickly create professional looking plots of data. This spreadsheet is useful for looking for trends and relationships in your data. You just paste in the data to the data sheet, name the columns and select...

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**Regression Spreadsheet (automatic stepwise multiple linear regression)**

This spreadsheet does: Multiple linear regression. Can use linear, square and interaction terms for all the variables you enter. Stepwise multiple linear regression to find the best model automatically. Provides results and many useful diagnostic plots. Pro...

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**My Philosophy On The Use Of Spreadsheet Tools**

Spreadsheets are great tools. As much as computers have transformed the way we work (and play to some extent) the spreadsheet has been as important to transform the way the technical professional works. Many professionals use spreadsheets to do things that ...

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**Financial Studies 2 - CPP Early or Late? Part 3**

In the Part 1 of my blog posts discussing whether to start CPP early or late, I talked about articles which had presented the break-even point analysis and I pointed out that this was the wrong question to ask. The break-even is the age at which the cash re...

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**Financial Studies 2 - CPP Early or Late? Part 2**

After publishing the post on whether to take CPP early or late, a friend pointed out to me that if the situation was that the person retired earlier than the example, the conclusion may change. It occurs when the person has less than 40 years of contributio...

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**Financial Studies 2 - Start CPP Earlier or Later than 65?**

Summary This is a long Blog post, so a summary of the results is in order, to keep your attention. The chart below are results calculated using my Retirement Forecaster spreadsheet and shows the optimum age to take CPP (blue line). The Retirement Forecaste...

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