;example of bulk entry file (for investments). Note that  lines beginning with semi-colon are ignored

; a mortgage on a home worth 450k. There are 8 years left, 170k principal remains, at 4% interest. Interest payments are tax deductible
; The home is NOT appreciating in real value, and you will never sell it
 house,current,,,           450000,    0,170k,4.0, 8,1,  1,0,0.0    , invest with loan, 8yrs on current mortgage

; buy a vacation home when you are 66 years old worth 400k. Finance with a 110k downpayment (10k for costs), and a 15yr 150k loan at 5%.  Interest payments are tax deductible
; It will appreciate as 2.1% a year, and is sold when you are 90 years old
  house,vacation,fun,home2,    400k, 110k,300k,5.0,15,1,  66,90,2.1  , invest with loan, 15 yr loan for 2nd home

; On retirement,spend 100k to pay for a child's education. You pay for it from your savings and other non-IRA assts.
  school,kid1,kids,support,       0, 100k,  0,   0, 0,0,   0,  0,0    , one-time expense,pay for college when retire

; 5 years after retirement, you need cash for various projects. Finance with a $1000 down, and a 7 year 35k home equity loan at 4.5%.   Interest payments are tax deductible
; You immediately put the 35k loan into savings account, for use as needed
  house,homeEquity,,fun ,         35k, 1k, 35k,   4.5, 7,1,    -5,1,0    , loan for cash, use for projects

; 5 years after retirement,  update the kitchen. You pay 35k from savings and other non-IRA assets (from the 35k from the home equity loan)
; The home gains 25k in value.
 house,kitchen,,fun ,         25k, 25k, 0,   0, 0,0,    -5,0,0    , invest , update the kitchen using cash from home equity loan

; 7 years after retirement,  buy a new car. You pay 17k from savings and other non-IRA assets. and a 4 year 13k loan at 3.3%. 17k is from  35k from the home equity loan
; The car's values is 28k (lose 2k driving off the lot), and depreciates 10% a year ;
 car,new2,, ,         28k, 17k, 13k,   3.3, 5,0,    -7,-17,-10    , invest with loan , buy a new car using cash from home equity loan

; When you are 68 you travel take a sell a coin collection for 5k. The proceeds immediately go into your savings and other non-IRA assets
  sellCoins,,fun,gambles,        5k,    0, 0,    0 , 0,0,  75,  1,0 , one-time windfall, sell coin collection on 75th birthday

 ; When you are 68 you take a trip around the world. 15k financed through the travel agency, with $0 down and 3 year loan at 2%.  Interest payments are not ax deductible

  travel,world,,fun ,         0, 0, 15k,   2.0, 3,0,   68,  0,0    , one-time expense with loan, a chartered round the world trip


; 10 years after retirement invest 50k in a startup. Finance with 15k down (1k for expenses), and a 10 yr 40k loan at 6% interest, with non-tax deductible interest.
; Its value appreciates at 9% a year. You sell it 20 years after retirement (the day the loan is paid off).
  smallbiz,a1,other,gambles,     50k,  12%,90%,   6,10,0, -10,-20,9.0 , invest with loan,speculate at 9% (buy 10 years after retire,sell in 20)

; Order: ame, subname, group, goal, value,  downPayment,loanAmount,interest,term,canDeduct, ageStart,ageEnd,appreciation,  invest_type, description