Intel ‘Downfall’: Severe flaw in billions of CPUs leaks passwords: Robo Bookkeeper is the only technology that doesn't use the Internet for people to manage their


Immediate Goal: LifeMath to partner with organizations to make LifeMath apps available to every household from many credible sources without cost, obligation
or agenda through commercial and nonprofit organizations.

Ultimate Goal: establish LifeMath as the standard tool, in every language, for evaluating and managing consumer and household finances.


                                                                                   LifeMath versus budget   


Budgets try to cram all incomes and outgoes into one weekly or monthly time frame, but consumer finances happen in all time frames from daily to decade! LifeMath spans, calculates and handles all time frames simply, simultaneously and seamlessly.

Budgets use bookkeeping formats with an accounting language that’s foreign to many consumers. Most people, having completed employment and credit applications, are familiar and comfortable with LifeMath's fill-in-the-blank, drop-down box format. There are no complex instructions or directions needed because pop-ups and audio recommend what to do wherever they’re at and suggests where to go next.

LifeMath doesn’t use debits or credits and doesn’t need even simple arithmetic. LifeMath has no dogmas. Consumers manage their lives and finances anyway they wish - LifeMath just displays the results. If they don’t like what they see, LifeMath lets them change it to what they want it to be.

Budgets have no direct connection with the calculations of consumers’ accounts. LifeMath does the posting and interest calculations for all accounts OFF-LINE in real time, before they’re done by their banks, lenders, businesses and credit card companies. That gives consumers vital before-the-fact perspectives on their finances and accuracy checks on account postings and interest calculations.

Online Budgets require account numbers and privacy is not assured. LifeMath doesn’t use account numbers or identity information. When is used as suggested, LifeMath provides 100% protection from prying eyes and information theft.

Budgets can’t do the most important function of household money management: calculate and display the human side of money in real-time cash flows before they happen. LifeMath numerically and graphically displays real time cash flows BEFORE THEY HAPPEN by week for the current year and by year for the next 15 years.


LifeMath rationale is based on professionals’ competitiveness. Example: a philanthropy leverages its gravitas to induce a small bank to gift LifeMath to its current and potential consumers. The small bank gives any or all four LifeMath apps ($25 to $195 values) free. How long will it be before the other banks in the area are interested in providing apps to their consumers?  This scenario holds true throughout for all commercial and nonprofit entities. It’s a win win situation: the small bank wins because it helps them retain current customers and get new ones – consumers win because they have better control their finances.

Competing banks can also use a consumer’s LifeMath file provided by other banks (only when the consumer allows it) to show how their competing services or products are superior for the consumer’s specific circumstances.

LifeMath users are encouraged to give blank LifeMath app copies to relatives and friends. Professionals benefit because their name displays prominently on the apps.
Receiving LifeMath apps from so many sources gives consumers the idea that trying one must be a good idea. Example: consumers could be getting apps monthly from the three banks they have accounts with and periodically from their real estate broker, attorney, accountant, financial planner, etc. That accomplishes the goal of giving many gentle nudges to motivate consumers to take better care of their finances.
How does LifeMath prevent internal financial stress in households?
Most households are like financial football teams where all the members have their own play. LifeMath helps them create an effective game plan in which everyone sees they’re getting a fair share of what’s reasonably available.

Why would professionals give LifeMath apps to their clients, customers or patients?
An app on a consumer’s computer or USB handout has more SAVE IT value than a brochure or business card especially because the app is all about the consumer! When the app’s opened, even for just curiosity, consumers are likely to try it and the professional’s name and contact information is prominent on every page. Consumers always appreciate receiving quality gifts from credible sources and are more likely to keep connected and re-connect with the source that provided it.

There’s no issue with a professional seeing an app provided by another professional. Consumers’ have the right to consult with others, but LifeMath keeps the original providing professional’s name front and center.

Besides name recognition, how does the app benefit the professional? 
The professional provides a LifeMath app to the consumer at initial contact and indicates completing it before the meeting will assure the best personized services/product in the least possible time, at the least possible cost. The app helps consumers to better prepare for the meeting by laying out all their issues and saves the professional time and effort to see the lay of the land. LifeMath answers the first and perhaps most important initial question: Can and how will the consumer fund the professional’s service or product?

How does LifeMath help children? Children are taught what to think by their parents, teachers, peers, cultures and advertisers. That’s deductive reasoning - the root cause of human disfunction. LifeMath balances that by showing students how to use inductive reasoning for their finances. It carries over in other aspects of their lives. Inductive reasoning is crucial for their them, our economy and our democracy. It takes an average of 60 minutes each school year, from grade four through high school, to cycle though the four LifeMath versions.

How can LifeMath help the incarcerated - the most difficult and vulnerable members of society? Money is, directly or indirectly, involved in as many as 95% of incarcerations and incarcerations always create financial stress. LifeMath’s unique functioning enables inmates to use their unstructured time to micromanage their family’s finances. This causes inmates and family members to become more aware, realistic and less stressed financially. It strengthens family bonds because LifeMath helps family members to understand that they are getting a fair share of what’s available and gives them a good idea of how much more they’re going to be able to get in the future. It makes the incarcerated more financially educated and lessen the chances of recidivism.

How would LifeMath help investment and retirement planning professionals? Investment calculations are based primarily on income – of which most consumers have little control. LifeMath is based primarily on outgo – of which consumers have 100% control. LifeMath displays the yield people need from their investments to achieve the life they want. Professionals then can propose the safest investment to achieve that yield. Similarly, insurance professionals can use outgo to determine the necessary levels to maintain the family.

How would LifeMath help the mental health community? There is nothing anyone can do in contemporary life that does not directly or indirectly involve money. No, not even breathe because breathing requires energy that comes from food that costs money!  LifeMath is an excellent indicator of patient's cognitive ability and an excellent

tool for remediation and followup.

Besides donations, how would a philanthropy benefit by leveraging its gravitas to advocate for LifeMath? Philanthropies would benefit by gifting LifeMath apps to the demographics they serve because the apps will enhance the quality of their lives - and indicate the efficacy of a philanthropy's altruism.​