No. of Recommendations: 1
...look at the real numbers for my own situation to see what makes the most sense for us.

!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

If you are not comfortable with spreadsheets, find a community education class in your area and take it. Or buy a book and play around. Or take Ray's spreadsheet and study it. Bottom line is there is little reason for anyone here NOT to be setting up their own models (or adapting someone else's model) to account for their own situations!!!!

On-line calculators can be a useful starting point or a verification that you've set up the primary portion of your spreadsheet correctly, but it is unlikely that they address the specifics of your situation.

Kathleen
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