# Truth Concepts™ Blog

### You Have to Start Small to Win Big: The Value of Baby Steps

Many of the common business phrases and jargon exist because there’s truth to them—we wouldn’t give them merit otherwise. You’ve probably heard phrases like:

### Finding the Best Deal in Real Estate Analysis

Whether you’re an amateur or long-time veteran, a smart real estate deal always starts with research. So how do you properly analyze a real estate

### Inflation-Proof Your Money: The Power of Measuring Backwards

Is it possible to completely inflation-proof your money and assets? Inflation is the “silent tax”. After all, since inflation represents the purchasing power of money,

### Can We Prove a 15% Flat Tax is the Most Efficient?

Let’s use a Cash Flow Calculator to tell the whole truth about what happens to an account when it gets taxed. We’ll put in \$20

### How to Calculate Opportunity Cost in Loan Analysis

If you use the Loan Analysis calculator, you’re likely familiar with the “Loan View” provision. This enables you to do a side-by-side comparison of

### Automobile Purchases Calculator Tutorial

Automobile Purchases can be a useful calculator for helping your clients understand powerful financial concepts, like opportunity cost and the value of “other people's money”

### Truth Tip, “Old Money” in Asset Flow

All Present Value dollars in our calculators are assumed to be old money—dollars that the client already has access to when beginning an illustration. If

### Truth Tip, State Taxes in Asset Flow

When state tax is entered into Asset Flow, the calculator assesses a tax on Social Security. This tax is based on the benefit amount that is

### Truth Tip, Calculating for COLA in Asset Flow

When using the Asset Flow calculator, it is important to calculate for COLA (cost of living adjustment) when determining Social Security income. The Future Value

### Truth Tip, Order of Taxation in Asset Flow

In Asset Flow, we chose to treat each individual asset viewed as the last dollar added or withdrawn in the tax bracket (at the margin).

### Truth Tip, Social Security Taxes

Do you know how much of your Social Security can be taxed? Up to 85% of Social Security Benefits can be subject to income tax,

### Prosperity Proof #5: The Truth About Qualified Plans

In this final prosperity proof, we’re going to cover one of the most misunderstood financial vehicles: qualified plans. Job seekers today are taught to look