Rules of Thumb     




Your hourly rate = (your annual salary) / 2000.

Your life insurance coverage should be five times your salary.

For emergencies keep six months of living expenses in savings.

Your rent should be 25 percent or less of your net income.

The percentage of your total investments kept in stocks should be 100 - (your age).

You should rent a property that you own to a tenant for a monthly rate of one percent of the purchase price.

An investment will double in value in "x" number of years, where x = 72 / (annual interest rate).

When you retire you will need about 70 percent of your working net income to live comfortably.


Your diet should be around 60% carbs, 20% fat, and 20% protein.

Eat around 10 calories per day per pound of body weight.

Your maximum heart rate is around 220 - (your age); when you exercise you should get your heart rate in the 65-85 percent range of this number.

After eating, wait 2 hours before strenuous exercise.

The percent of balding men roughly follows their age: 60 percent of 60-year-olds are balding.


Even with healthy couples, it can take a year to conceive a child. After that though you may want to check with your doctor.

Offer your toddler a portion size of a tablespoon of any specific food for each year of age. Of course, give them a variety of foods at each meal. If they are still hungry afterward then you can serve them more.

A toddler's speaking should be 50 percent understandable by age 2, and 75 percent understandable by age 3.


Your horse should be at least five times your weight.