DESIRE TO RETIRE UNIVERSITY DIRECTORY “A goal without a plan is just a wish.” ~Antoine de Saint-Exupery~   PERSONAL FINANCE   Financial Plan Workbook Insurance Products Table of Contents Annuities Auto Insurance Disability Insurance Health Insurance Homeowners Insurance Life Insurance Credit Purchasing a Car Purchasing a Home     INVESTING   Investing Table of Contents Preparing to Invest Key Investment Concepts Bank Products US Treasury Securities Common Types of Investments Retirement Investment Vehicles Choosing the Right Investment Managing Investment Risk Evaluating Performance Investment Professionals Protecting Your Investments     RESOURCES & GUIDES   Saving for College Caring for Your Parents Library of Federal Tax Forms & Instructions Social Security Administration Publications     SUBJECT SPECIFIC GLOSSARIES   Glossary of Financial & Retirement Terms Glossary of Mortgage Terms Glossary of Credit Card Terms Glossary of Vehicle Purchase & Lease Terms Glossary of Auto Insurance Terms Glossary of Disability Insurance Terms Glossary of Health Insurance Terms Glossary of Homeowners Insurance Terms Glossary of Life Insurance Terms

ARTICLE ARCHIVE   FINANCIAL SECURITY   Budgeting Debt Consolidation Starting a Business College Savings Plans Elder Care Building Wealth Tax Deferred Investments IRA's, 401(k)'s & 403(b)'s Mutual Funds Stocks Bonds Real Estate Social Security Pensions Making Your Savings Last     TRAVEL   HEALTH   Aging Topics Diet Healthy Mind Exercise Health Insurance Long Term Care Medicare     LEISURE   Bicycling Collecting Cooking Fishing Hiking Hobbies Gardening       CALCULATORS MORTGAGE CALCULATORS Bi-weekly Payments for an Existing Mortgage This calculator shows you the possible savings by starting to pay your current mortgage with bi-weekly payments, instead of monthly payments. Mortgage Loan Calculator Use this calculator to determine your monthly payment and amortization schedule. Mortgage Qualifier Can you buy your dream home? Find out just how much you can afford! Mortgage Tax Savings Calculator Interest and points paid for a home mortgage are tax deductible. Use this calculator to determine how much your mortgage could save you in income taxes. Refinance Breakeven Should you refinance your mortgage? Use this calculator to determine when you will breakeven! Reverse Mortgage Calculator This calculator is specifically designed to show you how the outstanding balance of a reverse mortgage can rapidly grow over a period of time. LOAN CALCULATORS Amortizing Loan Calculator Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment! Loan Comparison Calculator Use this calculator to sort through the monthly payments, fees and other costs associated with comparing loan options. CREDIT CARD AND DEBT MANAGEMENT Accelerated Debt Payoff Consolidating your debt is only half of the battle. You still need a plan to get your debt paid in full. This calculator can show you how to accelerate your debt payoff. Cost-of-Debt Calculator Use this calculator to see just how expensive paying interest on your debt can be. AUTO CALCULATORS Auto Rebate vs. Low Interest Financing Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate. INVESTMENT CALCULATORS Asset Allocator Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash. Compare Investment Fees Even a small difference in the fees you pay on your investments can add up over time. Use this calculator to see how different fees impact your investment strategy! Investment Distributions This calculator helps you determine either how long or how much periodic distributions can be taken out of an investment before it runs out. Investment Returns There is more to investing than knowing your annual rate of return. Use this calculator to help you see how inflation, taxes and your time horizon can impact your bottom line Municipal Bond Tax Equivalent Yield Income generated from municipal bond coupon payments are not subject to federal income tax and often are exempt from state taxes. Use this calculator to estimate the tax-equivalent yield (TEY) for a municipal bond. Mutual Fund Expense Calculator This calculator can help you analyze the costs associated with buying shares in a mutual fund. By entering a few pieces of information, found in your fund's prospectus, you can see the impact of fees and operating expenses on your investment. REIT Tax-Equivalent Distribution This calculator shows a REIT's hypothetical yield and how ROC impacts tax equivalent yield. Taxable vs. Tax Advantaged Investments This calculator is designed to help compare a normal taxable investment, a tax deferred investment and tax-free investment. RETIREMENT SAVINGS AND PLANNING 401(k) Savings Calculator A 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you cannot afford to pass up. 401(k) Savings with Profit Sharing Use this calculator to how a 401(k) with profit sharing plan can help you save for retirement How long will my retirement savings last? Use this calculator to see how long your retirement savings will last based on your retirement savings and your inflation adjusted withdrawals. Pension Plan Retirement Options Use this calculator to help decide between joint survivorship and single survivorship pension options. Required Minimum Distribution (RMD) Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account. This financial calculator will also look at potential future year's distribution requirements. Retirement Contribution Effects on Your Paycheck Use this calculator to see how increasing your contributions to a 401(k), 403(b) or 457 plan can affect your paycheck as well as your retirement. Retirement Income Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement. Retirement Nest egg Calculator Do you know how much it takes to create a secure retirement? Use this calculator to help determine what size your retirement nest egg should be. Retirement Planner Quickly determine if your retirement plan is on track - and learn how to keep it there.  Retirement Shortfall Running out of your retirement savings too soon is one of the biggest risks to a comfortable retirement. Use this calculator to find a potential shortfall in your current retirement savings plan. RMD & Stretch IRA Calculator Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible. Roth 401(k) or Traditional 401(k)? Use this calculator to help determine if a Traditional 401(k) or Roth 401(k) might be best for you. Roth IRA Conversion This calculator will show the advantage, if any, of converting your IRA to a Roth. Roth vs. Traditional IRA Use this calculator to determine which IRA may be right for you. Social Security Benefits Use this calculator to estimate your Social Security benefits. Traditional IRA Calculator How can contributing to a regular IRA help you in your retirement? SAVINGS CALCULATORS College Savings Use this calculator to help develop or fine tune your education savings plan. Savings Distribution Calculator Use this calculator to determine savings balance after a series monthly, quarterly or annual withdrawals.  PERSONAL FINANCE Home Budget Analysis Analyze your budget, see where your money goes and find out where you can improve! Net Worth This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years. Student Budget This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution. INSURANCE CALCULATORS Disability Insurance Use this calculator to determine your disability insurance needs. Fixed Annuity Calculator A Fixed Annuity can provide a very secure, tax deferred investment. Use this calculator to help you determine how a Fixed Annuity might fit into your retirement plan. Health Savings Account (HSA) vs. Traditional Health Plan Compare an High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan. Immediate Annuity Calculator Estimate what your monthly payments might be from an immediate annuity. Life Insurance Calculator How much life insurance do you really need? Find out here! Long Term Care Calculator Long term care is needed by those who can't perform the basic tasks required to take care of themselves. This calculator can help you determine if you are financially prepared for this impending expense. Variable Annuity Calculator How can a variable annuity help you save for retirement? Use this calculator to find out. CANADIAN CALCULATORS RRIF Payment Calculator (Canadian) This calculator is designed to help you calculate different payment options from your Registered Retirement Income Fund (RRIF). RRSP Loan Calculator (Canadian) An RRSP loan can be an excellent way to jump start your retirement savings. Use this calculator to see how an RRSP loan could help your retirement savings plan. Tax Free Savings Account (TFSA) Comparison (Canadian) This calculator is designed to help compare a Tax Free Savings Account (TFSA) to a Registered Retirement Account (RRSP) and an ordinary taxable savings account.