[CRFSaver]

You dont need to do complicated mathmatics, algorithems or financial models. All I did to do those numbers are 1000 times 3% and 1000 times 4%, etc. You can do that on any calculator or any spreadsheet. You would be surprised how many professionals use this method. LOL Please dont be discouraged. Realized I have worked in the fixed income markets since I graduated from college so I know this better then the average joe. I used that very argument to persuade a former employer to invest in a longer term bond even though she was adamant rates were going up (they went down actually). It was better off buying the longer term (2 year) bond versus the 3 month bond.