And if you think we've rigged that; below is a link to the financial calculators at www.moneychimp.com (great name; moneychimp!).

Moneychimp.com savings calculator

Here's how to work out how much your savings will be worth.

Use the following assumptions:

• An initial deposit of $10,000 (we wish).
• PLUS $250 per month invested each month for the next 30 years.
• An interest rate of 7% per year (about 10x better than the average mutual fund in America!)

In 30 years time your savings will be worth...

• $122,654 if you pay taxes on the interest earned
• $139,816 if you receive the interest tax free (oh yes?)

Bear in mind that...

You will need a capital sum of about $350,000 to have a retirement income of just $28,000 per year at today’s prices even without the effects of inflation!

The above was calculated using the www.moneychimp.com annuity calculator and is based on $350,000 re-invested at 3% for 30 years after retirement.

To achieve a target of $350,000 you will need a higher rate of interest or invest $365 per month for 30 years instead of $250 per month.

And to guarantee...

The purchasing power of just $17,500 in today’s money you will probably need a capital sum approaching $1,000,000 in 30 years time - and that’s with inflation continuing at an historic low of 2%.

A bit like collecting green stamps (if you’re old enought to remember them) - just as you reach your target you discover the price has increased.

If you’d like to play around with the results and do your own sums?

No problem, click on the link to the left for the compound calculator or go to moneychimp.com (and take a large glass of something with you).

Moneychimp.com savings calculator

And if you think that's scary, check out the following...

The UK Government has admitted to a pensions crisis in which they are considering raising the retirement age by 5 years - I suppose that's one way to solve their ineptitude.

There is a huge amount of literature about the Pension crisis and rather than bore you with too many words on this page, if you want to read more check out the following links.

And if you want more, go to Google and type in "pension crisis".

Read the full story on this link to the BBC

Bio of Dr Ros Altmann, the noted pensions expert

PDF paper written by Dr Ros Altmann (you'll need Adobe Acrobat reader to read this)

Paper given by the respected CATO Institure as far back as 1998 regarding the looming world pension crisis.

But there's one way to solve your own personal looming pension crisis...

Your own ultra-profitable home business (you learn quickly, well done).

Imagine being able to put 5, 8, 10, 15 or $20,000 a year into your pension fund.

It's not that difficult to do, as you'll learn shortly.

You'll easily learn how, step by step - and we guarantee to hold your hand and guide you every inch of the way.

Two more "reasons" to go and then you'll begin your own voyage of discovery.

Click on the link to go to Reason #6.  Why Have Your Own Home Business? That's Easy - Because You're The Only Person You Can Really Trust With Your Money.

Or if you are now interested, you could check out 7 popular ideas for a home based business by following the link to the TriggerSystem web site