One of the first things you need to do is crunch the numbers. Find out what you're working with. This often involves searching all over the internet for different tools and then talking to different people. All with different motives.
I don't like it either.
So, I've added a very helpful calculator to my site that has just about every tool you need to help you make the right decisions in one spot.
(Don't worry, no personal information is collected).
And if at any point you have questions or something isn't as clear as it should be please give me a call and I will be happy to help you.