Many of us know and are often told that we need to save for retirement, we need some type of life insurance, we should refinance since the interest rates are lower. But, we often ask ourselves:

• How much should we save for retirement?
• How much do we need?
• How much do we save a month?

     Most people don't have tons of dollars to save. They have bills and other expenses to pay before they think about saving for retirement. If they have extra money, they would like to enjoy life and buy things they like - retirement, especially for younger people, seem like something far away - low down on the list of things to save for.

     Some more concerned people will go to finance institutions and meet with advisors or look over the internet to find out how much they would need to save and how often. Most people don't get a straight answer or one that makes sense. Somehow, all the answers seem to be clear only to the advisor who gave them. Or, if you go to a website that has a 'retirement calculator' - you input numbers and boom spins off the answers. And, you wonder where the number comes from. Of course, if you ponder awhile you might get an answer that make sense but why do you have to ponder? why can't they just tell you how to calculate it?

     This website will tell you just that. You will get an answer that makes sense and the way to calculate it so you can do it yourself any time any day you would like.

     We have a retirement calculation which is a simple calculation you can do yourself with a simple calculator or by hand. This retirement calculation has all the variables input that are most reasonable such as inflation rate.

     If you want to input your own assumptions such as inflation rate, you can go to the next retirement calculation page which will outline how you would input your own assumptions.

     The next most popular among concerned people is 'how much life insurance do I need?'.

     Under the Life insurance section, we have outlined a simple calculation which you can do yourself to give you an idea of how much you would need. After all, many experts have come up with different answers to this one. Some says 4 times your income,  some says otherwise. This insurance calculator will give you an idea of how much you need in a way that makes sense.  In the insurance section, we also explain what different types of insurance are.

     Lastly, we have outlined some ways of comparing credit and calculating whether to refinance or not.