texts_Eng_UK.h

Go to the documentation of this file.

/**************************************************
* texts_Eng_UK.h
*
* header file that containts text (html) messages
* **************************************************/
const string t_author = "<a href=\"mailto:philippe@de-brouwer.com\">Dr. Philippe De Brouwer</a>";
const string t_title = "Goal-Ranking";
const string t_warning = "<p>This software is provided for research purposes only, it is not intended to be used as a foundation for your personal financial decisions! Please talk to the author or to a financial advisor.</p><p>The goal of this website is to show advisers (such as independent financial planners, bankers, insurance agents, etc.) how <strong>real responsible personal financial advice</strong> can look like. The author, " + t_author + ", invites you to contact him by e-mail to discuss how you can make your advice more responsible, forge more durable relations with your customers and become a leader in the digital race.</p>";

const string t_month       = "month";
const string t_year        = "year";
const string t_months      = "months";
const string t_years       = "years";
const string t_and         = "and";
const string t_Asset_Class = "Asset Class";
const string t_prev_step   = "prev step";
const string t_next_step   = "next step";
const string t_reset       = "reset";
const string t_save        = "save";
const string t_edit        = "edit";
const string t_delete      = "delete";
const string t_cancel      = "cancel";
const string t_clear_form  = "clear form";
const string t_collapse    = "collapse";

const string t_Login       = "Login";
const string t_Register    = "Register";
const string t_simulation_duration = "Simulation Duration";

const string t_currency   = "currency";
const string t_b_currency = "base currency";
const string t_b_date     = "birth date";
const string t_sim_till   = "simulate till age";
const string t_breadcrumb = "You are here:&nbsp;";

/* *************************************************
 * t_aside   : the aside remarks
 * *************************************************/
unordered_map<string, string> t_aside =
{
  {"welcome",    "Welcome"},
  {"login",      "Login"},
  {"register",   "Register"},
  {"account",    "Account Settings"},
  {"goalInfo", "Try to quantify your important life-goals. It is better to state a goal that is 60% correct than stating no goal at all!"},
  {"goalHelpFail", "Please try again. Fill out only the goals that you want to use and use realistic data!"},
  {"cash_flowInfo", "What is your savings-capaicty? How will that change?"},
  {"feedback", "We hope that you liked this solution and that it was worth your time!<br>Please let us know <a href=\"mailto:philippe@de-brouwer.com\">via email</a> and spread the word!<br>Thank you!"},
  {"simulation", "Here we show you what can happen if you would not follow up the portfolio."},
  {"follow_up", "Please make sure that you follow up your goals regularly!<br>Wouldn't it be nice to have a webservice sending you this dashboard every month?<br>Please let us know what you did not like via <a href=\"mailto:philippe@de-brouwer.com\">via email</a> and tell your friends what you did like!<br>Thank you!"},
  {"disclaimer", "We will never sell your email, nor spam you. We might send you a newsletter from time to time and all data that you provide in the system will be kept there till you delete your account or overwrite it."}
};

unordered_map<string, string> t_titles =
{
  {"welcome",     "Welcome!"},
  {"goal",        "Your Personal Goals"},
  {"inventory",   "The Means To Obtain Your Goals"},
  {"cash_flow",   "Your FUTURE Savings"},
  {"asset",       "Your ACTUAL Savings and Investments"},
  {"register",    "Register"},
  {"account",     "Account Settings"},
  {"login",       "Login"},
  {"personalize", "Personalize Your Experience"},
  {"feedback",    "Your Personal Financial Plan"},
  {"simulation",  "What Can Happen: ONE Possible Scenario"},
  {"follow_up",   "Mockup Future Report"}
};

/* *************************************************
 * t_regFrm  : the registration form
***************************************************/
unordered_map<string, string> t_regFrm =
{
  {"policyNote", "<p class=\"markup\">Note that we place one cookie on your device in order to track who is logged in. Pressing submit means that you agree with this.</p>"},
  {"requiredFields", "<p>[*] Required fields.</p>"}
};

/* *************************************************
 * t_errMsg  : the error messages
***************************************************/
unordered_map<string, string> t_errMsg =
{
  {"loginFirst",         "<li>You need to login before accessing these sections!</li>"},
  {"errorSavingUser",    "<li>Undefined error saving this user information.</li>"},
  {"userNameTaken1",     "<li>Sorry, the user name &quot;"},
  {"userNameTaken2",     "&quot; is already taken!</li>"},
  {"pwdsMatch",          "<li>the passwords provided do not match</li>"},
  {"pwdUserCombination", "<li>Sorry, I could not retrieve this combination of userID and password :-(<br/>Please check the if CapsLock is not on and retype the password.</li>"},
  {"retrievingInvestor", "<li>Error occurred retrieving this user from the database, contact administrator</li>"},
  {"no_goals",           "<li>Please state at least ONE goal first!</li>"},
  {"no_assets",          "<li>Please define assets and future savings capacity!</li>"}
};

const string t_show_extra_info     = "Show More Info";
const string t_hide_extra_info     = "Hide More Info";
const string t_showhide_extra_info = "Show/Hide Additional Information";
const string t_extra_info          = "Extra Information";
unordered_map<string, string> t_extraInfo =
{
  {"welcome", "<p><h4>Welcome</h4>This simple process consists of three easy steps:</p><ol><li>Register or Login</li><li>STEP 1: Make an inventory of your assets and main cash-flows (income and expenses)</li><li>STEP 2: Set Your personal financial goals</li><li>STEP 3: See your personalized Feedback and eventually review step 1 and/or 2.</li></ol>The basic idea is to provide real investor centric investment advice by starting from your personal goals and savings. At the end of this excercise, you should have feedback about which goals are realistic, what savings-plan you need and eventually what composition each portfolio should have (benchmark).<h4>When Registering</h4><p>Note that this sign-up is only to be able to recognize you in the tool (so that you can find the information that you provide back later. We ask also a little more information that login and password. The reason for that is that this tool will help you to define the best fitted investment portfolio for <strong>you</strong>. That is a very personal thing, and so we need a few personal things. If you provide wrong information, then the results will be wrong.)</p><p>However, in order to guarantee your anonymity you can provide for example an alternate name and multiply all your goals and investments with a certain multiplier that only you know (e.g times 5).</p>"},

  {"goal", "<h4>Investment Goals</h4><p>Here you need to inform the system about what you would like to obtain in your life. This is the most important part of this software!</p><p><b>Important:</b> This software is only a demo version, we appologize for the inconvenience, but please bear in min that:</p><ul><li>for the goal type &quot;<b>amount@date</b>&quot; the age of realization is key,</li><li>for the goal type &quot;<b>income from/to</b>&quot; the from-date, till-date and frequency are key</li><li>for the goal-type <b>&quot;rainy day savings</b>&quot; no date information is necessary, and</li><li>the goal-type &quot;<b>unallocated</b>&quot; is actually not to be used. The software will use it to allocate all assets that are not needed for any other goal.So you would nead only one &quot;unallocated&quot; goal.</li></ul><p>All the information that we ask for is needed in order to select for you the right investment portfolio and savings plan. There are two important remarks to take into account</p><ol><li><strong>First: there is a thin line between &quot;Cash Flows&quot; and plans.</strong> If you need to buy for example a new car next year (and that expense is certain, necessary and fixed ... then it is possible to add it as well as a cash flow and as a goal. However in this case (short term, certain and no degree of flexibility) it is advisable to first add it as a cash flow and hope it all works out. Only when you decide that the car can eventually cost less in order to finance other goals, then it should be considered as a goal.</li><li><strong>Second: in this early demo version, we do not guide you too much about which goal should be the most important</strong> (in other words: sorry, but we do not use the need level yet). So the order that you provide in &quot;ranking&quot; is very important! Please put a number (eg. one) for your most important goal and put higher numbers for the others (yes in this early demo it is not important what numbers you use)</li></ol><p>Remember the old addagio that a goal has to be SMART (Specific, Measurable, Attainable, Relevant and Time Bound).</p>"},

  {"cash_flow", "<h4>Cash flows</h4>Cash flows are your additional savings. It can simply be the average amount that you can save monthly. However if other amounts might be useful to include. But, be careful which point of view you take!. For example if you save now 500,- per month and your kids are about to leave college in 3 years (which will give you an additional saving capacity of 750,- per month. Well in that case you could book one cash flow of 500,- starting today and ending when you retire, and another one of 750,- starting within three years and also till you retire.<br>If on the other hand your kids will go to college in 5 years, then it is wise to foresee <i>negative</i> cash flow starting in 5 years and running for 4 years (eg. -660,- (mind the minus sign!)).<br><br>HINT:</b> in order to make a cash flow start right away: leave the &quot;From Date&quot; empty; in order to make a cash flow available till your retirement: leave the &quot;Till Date&quot; empty."},

  {"register", "<h4>Thanks for signing up and testing our tool!</h4><p>Note that this sign-up is only to be able to recognize you in the tool (so that you can find the information that you provide back later. We ask also a little more information that login and password. The reason for that is that this tool will help you to define the best fitted investment portfolio for <strong>you</strong>. That is a very personal thing, and so we need a few personal things. If you provide wrong information, then the results will be wrong (well that does not exclude that this might be interesting to test of course).<br>So, indeed, signup up here is just to use the tool, this means that we can of course show you its potential by sending relevant messages for the investment case that you have put into the system. We will not use your email to send &quot;marketing mails&quot;: that's why we have our newsletter! You can sign-up for it soon ;-)</p>"},

  {"account", "<h4>Keep your account information up to date!</h4><p>Note that this sign-up is only to be able to recognize you in the tool (so that you can find the information that you provide back later. We ask also a little more information that login and password. The reason for that is that this tool will help you to define the best fitted investment portfolio for <strong>you</strong>. That is a very personal thing, and so we need a few personal things. If you provide wrong information, then the results will be wrong (well that does not exclude that this might be interesting to test of course).<br>So, indeed, signup up here is just to use the tool, this means that we can of course show you its potential by sending relevant messages for the investment case that you have put into the system. We will not use your email to send &quot;marketing mails&quot;: that's why we have our newsletter! You can sign-up for it soon ;-)</p>"},

  {"login", "<h4>Welcome Back!</h4>Use this screen only if you have registered before and you already have a login and password. Otherwise, please register first!<br>Also remember that the fact that you have a login to test our tools is no guarantee that you will get any information from us. To be kept up to date, please sign up for our newsletter [not available yet]"},

  {"personalize", t_personalize_concepts + t_personalize_scoring},

  {"feedback", "So, here you are! But what now?<br>What do you think? Does it look good? Can you reach the goals that you have put yourself? Maybe you have still money left, then you can add more goals and/or increase the amounts for certain goals.<br>But maybe you notice that you have more goals than money. The positive side of this is that you have an interesting life and that you have plenty of plans. Now you can do two things<ol><li>decrease the amounts of the goals</li><li>accept more shortfall on the goals</li><li>or simply leave the less important goals out</li></ol>. Note also that this feedback is shaped by your personal selections for and preferences (you might have excluded certain asset classes in the [Preferences] screen for example). <p>In any case: thank you very much for your time, we hope that it was an interesting experience. Please sign up for our newsletter and we promise to keep you informed."},

  {"asset","Describe your assets here. They will be used as an initial amount that can be used to invest. We will not use the existing portfolio composition as a starting point, but largely describing your assets here will help later to inform you about what to sell and what to buy. Please enter here all assets that you consider to be available for sale. If for example you intend to keep your house as long as you live and then pass it on to your children, then you should not mention it here. Of course, it is up to you to decide this! Maybe leave it out and see if you can reach your goals, but maybe you could consider a smaller place to live but reach those important goals? Up to you, it's your life!"},
  
  {"simulation","<h4>Simulaton</h4>In this screen we show you what might possibly happen to your investments. Of course, this assumes that <ul><li>you stick to the savings plan as proposed,</li><li>you invest in a portfolio that follows the benchmark (ie. is rebalanced every month), and that </li><li>the financial markets behave as expected (following the expected returns and correlations as you have put in the system).</li></ul> Press <F5> (or press [simulate again]) to see another simulation, or change the simulation duration first (on top of the page) in order to see the simulation over a different time horizon."},

  {"follow_up","<h4>Following Up Your Life Goals</h4>It is essential to follow up on the perfrmance of your portfolios at least once per year. We recommend to do this twice per year. If the dashboard is all green, then no actions are required, if some goals light up in amber or red, You should reconsider. Also note that goals that are in green might have a lower risk than you would want ... that is then an opportunity to re-run the excercise and do something more for other or even new goals."}

};


unordered_map<string, string> t_feedback =
{
  {"brightgreen", "This goal looks realistic and safe. Follow the suggested benchmark and savings plan and follow the suggested benchmark, and do not forget to review your situaton annually."},
  {"green", "This goal should be reasonably safe, however in a worst case scenario, there it is not easy to re-allocate more money to it. Follow the suggested benchmark and savings plan and follow up the plan regularly."},
  {"amber", "While it is not impossible to reach the goal stated, it is not very save: chances are that you won't make it. Consider revising the goal, and follow up closely."},
  {"red", "This goal is not realistic. Please reconsider to reduce your ambitions on this or higher goals in order to make it realistic."},
  {"darkred", "There are no means left to obtain this goal. Please review your plan and priorities."}
};

unordered_map<string, string> t_feedback_post =
{
  {"brightgreen", "Congratuelations, this did work out! However, this is just one simulation."},
  {"green",       "Congratuelations, this did work out! However, this is just one simulation."},
  {"amber",       "This <b>almost</b> worked out! However, this is just one simulation."},
  {"red",         "Bad Luck in this simulation! This underlines the importance of a regular review of your portfolio!"},
  {"darkred",     "Bad Luck in this simulation! This underlines the importance of a regular review of your portfolio!"}
};

const string t_dashboard = "Dashboard";

unordered_map<string, string> t_before_list = 
{
 {"goal", "Need a help? Use the <a class=\"button\" href=\"" + oConfig.soft_url + "?a=gh\">support screen to add goals</a>."}
};

unordered_map<string, string> t_after_title = 
{
  {"Home", "<h4>Welcome to real investment advice!</h4><p>Here You find personalized advice that rivals the best private bank, but fully automated, because we start from your life-goals and take your goals seriously.</p>"}
};

unordered_map<int, string> t_scale125i2s = 
{
  {1, "none / not at all"},
  {2, "a little"},
  {3, "average"},
  {4, "much / more than half"},
  {5, "all / best / very good"}
};
unordered_map<int, string> t_plotlabels_evol = 
{
  {1, "Negative Scenario"},
#ifdef SHOW_Vexp_not_Vmed
  {2, "Expected Evolution"},
#else
  {2, "Median"},
#endif
  {3, "Positive Scenario"},
  {4, "YOUR GOAL#"},  //note that the number of the goals will be collated to this
  {5, "Simulated Evolution"}
};