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Now that you have your template (placed image) all set up, you re ready to trace it or so you would think. You can go about tracing in lots of different ways, and I include the best of the best techniques in this section to help you muddle through this mess. You can trace templates in two ways: manually and automatically. Manually tracing consists of using the Pencil and Pen tools to tediously trace the edges of a template often a very timeconsuming task. You manually trace an image when you have lots of time on your hands and when you want to retain every single detail of the traced image. As an alternative, you can use the Live Trace function, discussed in 13, to speed up the process. Some designers prefer manually tracing templates. Using the Pen and Pencil tools allows illustrators to add detail, remove oddities, and change curves, angles, etc., to their satisfaction. Using a pressure-sensitive tablet makes for clean, accurate tracing. The Pencil tool is great to use when creating more bumpy lines, as in map drawing. The Pen tool is fantastic for creating smoother, more accurate lines.

How much in ation We don t know what the next 20 years will bring, but 3 percent is a good assumption to use So, factoring in in ation, Robert will need $109,000 a year once he retires ($60,000 3% compounded over 20 years) Once we have the annual retirement income target, we need to gure out what other income streams besides investments will be available to fund the goal In Robert s case, he s expecting to receive $40,000 annually from a pension and $32,000 from Social Security That leaves $37,000 annually that he ll need to come up with every year from his investments (see Table 31) This amount is important, but it s not the same as Element Four, Robert s lump-sum retirement goal We ll need to do a little more work to get that.

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Figuring out exactly the size of the lump sum needed in retirement isn t easy You quickly bump up against the grisly conundrum of retirement planning: None of us knows how long we re going to live If you don t know how long you will live, how do you decide how much you need to live on your ultimate target How many years will Robert need that $109,000 annual retirement income In essence you need to back out the nal number by using a few simple calculations How long your money lasts depends on two variables: the return rate you can get and your withdrawal rate If you know what kind of portfolio you re going to allocate your money to, you can get some sense of the return rate you can expect But you can t be certain.

name carefully, because there are many similar fields), set the format to Title case, and choose Customer Name from the Custom Property Name drop-down list Click OK You now see the text surrounded by the gray field box Click outside of the In-Place Text Editor to close it In the same way, set the following other fields: n CustomerAddress1 CurrentSheetSetCustom, Title case, Customer Address 1 n CustomerAddress2 CurrentSheetSetCustom, Title case, Customer Address 2 n DB (Drawn By) CurrentSheetCustom, Uppercase, Drawn By n CB (Checked By) CurrentSheetCustom, Uppercase, Checked By n P-01 CurrentSheetNumber, Uppercase You can now see the values of all the fields in the titleblock The Layout tab takes on the name of the sheet, which is WILL BE TEMPLATE If your drawing window displays the Layout tab, double-click the Layout tab to rename it.

N None: No labels N Low: For a horizontal axis, labels appear at the bottom of the plot area;

In addition, depending on how successful you are at building your nest egg and how much money you ll need in retirement, ratcheting down your withdrawal rate is a choice you can make, but it isn t always a realistic option What do I recommend in an ideal world On this score I m a dyedin-the-wool conservative I like to help my clients save and invest.

The status bar is the bar across the bottom of the PowerPoint window, where the Zoom slider and view buttons appear. You can customize what appears there by right-clicking the status bar and marking or clearing the check boxes on the menu that appears. See Figure 24-12.

n 1, you learned that FileMaker Pro is a modeoriented program. That is, the mode you re in (Browse, Find, Layout, or Preview) determines the types of operations you can perform. Now that you understand the fundamental FileMaker Pro concepts of modes and layouts, you re ready to explore the basic, essential procedures for performing common operations.

FIGURE 24-11

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