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Rob and Amy Clement unpack boxes as they settle into the home they bought in Lutherville. Baltimore Sun photo: Doug Kapustin Rob and Amy Clement moved from Pittsburgh to Baltimore last year, to be closer to family in Maryland. After they landed jobs ...

Home economics - Baltimore Sun

Pssst, want to line your pockets? Double-check credit card bills, medical bills, supermarket checkout slips, desposit slips, the interest rate computation on your car, your mortgage. No need for a third job if you catch a few errors. Found money ...

SHEA-TAYLOR: Need money? Check your bill - Sun Chronicle

With less than a month before the end of the tax year, you may want to set aside a moment during the busy holiday season to consider some quick IRS tips that may give you the gift of time and money saved next year. Gather your records -- With the ...

Follow end-of-the-year tax tips - Fremont News-Messenger

Not too soon to get started on tax preparation - Port Clinton News Herald

FirstAgain, an online consumer lender focusing on individuals with excellent credit, is shedding light on how consumers can build their creditworthiness â€“ which is essential today as financial institutions continue to tighten lending standards ...

FirstAgain Details Top 10 Ways to Build Your Creditworthiness - Earthtimes

Sorry, this won't sound the least bit festive. But amid the holiday merriment, take a few seasonal moments to contemplate that most unseasonal of topics: taxes. Although it sounds about as appetizing as stale eggnog right now, it could pay off next ...

Get your 2008 taxes in shape - Modesto Bee

It's been a pleasure to share this space with my esteemed co-bloggers, whose work I've very much enjoyed. And thanks so much to everyone who commented on my posts this last week. I'm sure I'll see you in the comments section now and then. I also post ...

May 2008 Archives - Meganmcardle.theatlantic.com

Resolved Question: Australian Mortgages - Extra payments per week vs periodic lump sums?

I currently put in $150 per week extra into the mortgage. Should I continue doing this or bank the $150 pw into a 7.6% savings account (such as ING) and make 1 or 2 lump sum payments per year into the mortgage? There are online calculators for lump sum payments, but they only calculate one offs, not annual lump sum payments. Thanks! Please, bankers and finaciers advise only. more

Resolved Question: Questions from a first-time home buyer?

My husband and I are looking at buying our first house. We've been in an apartment for a year and a half now and we're more than ready to move into a house and actually have some counter space and decently sized bedrooms haha. How do you calculate mortgage payments? I saw some mortgage calculators online, but they were not accurate. They didn't ask for interest rates or property taxes or anything like that. They just divided the cost of the house over 30 years. I would have assumed that you multiply the interest rate (we'll say 6%) by the cost of the house. Then divide the actual loan amount by 30 and add the interest to it. 80,000 x 0.06= $4,800 (per year, interest). 80,000/30= 2,667 + 4,800= $7,466/year or $622/month. Is that how you do it? Am I doing it wrong? Also, my husband is paying back his school loans. Our cars are paid off. We spend $65/week in groceries, $125/month for car insurance, $116/health insurance, etc. We don't waste money on frivolous crap... And according to this mortgage calculator online, it says he needs to make $61,000. If the mortgage + utilities = what we pay in rent now, and we're paying that on time every month with no problems, why does it say his salary needs to be almost twice what it is now? This is stressful... more

Resolved Question: Are those online mortgage calculators accurate?

I am so ready to move out of my rental, and according to most of the online mortgage calculators I would qualify for a loan. How much difference does your credit score make? I have been making all payments on time for over 6 months and there are a few black marks set to come off my credit report in August. Also, how are student loans viewed, as I have some student loan debt? I just checked out an online debt-to-income calculator and it says I have a 19%. This I know is correct as the figures are very straight-forward. This is a good sign, right? Also, I have made an appointment with my bank's mortgage originator for tomorrow afternoon. I'm just very nervous about what I'll learn there and I'm hoping for some reassurance. So thanks! more

Resolved Question: What is the fastest/most economical way for me to pay of my mortgage?I can afford to prepay, but I donâ€™t know

Which one to pay of first or to prepay on all of them equally I have 3 loans against my house, when I bought my house for 145K 3 years ago I had a 80/15/5 loan (to avoid PMI). And 2 years ago I got a HELC for 15K Loans â€“ (current balances) [monthly payment] #1 â€“ 116K (112K) @ 6% fixed for 30 years [$836] #2 â€“ 21,750 (19,860) @ 6.75% fixed for 30 years [$165] #3 â€“ 15K (14500) 4.25% adjustable for 20 years My monthly payments for #1&2, including taxes are $1001. (I prepay my insurance) payment for # 3 varies but is $215 per month right now. I CANNOT refinance, I have tried for 3 months now, with different companies, the numbers donâ€™t make sense, and there is too much cost for it to help me. I dont live in the property; it is a rented for $1050 per month. I dont have any plans to sell it. maybe i will try to refi or sell in a year If you know of an online calculator where is can put in all of my figures and do it myself, i looked but coulnt find one. more

Voting Question: Need educated or professional realtors to answer my questions.?

Once again my question was. Is there any online calculators that can help/make me a 5yr analyzation of my total mortgage and what my rentors monthly payment is? For example, my mortgage is more than what my rentors are paying me. I need help in figuring out what would be a five year negative mortgage calculation analisis? I need an educated realtor not some high shool answer like my previous question ? more

Resolved Question: how much do you pay for your home mortgage?

Online mortage calculators seem like they are fulll of lies. I exact same info used has be from 700 a month to over a 1000 (for a loan of about 122,000). I know taxes and interest rate will change, but about how much is your loan and what is your monthly payment? I've hear it is about 10% of your mortgage, but I have a really hard time trusting the people that make a living off of selling homes. more

Resolved Question: I'm trying to determine how much home I can afford. Do I include rent I currently pay?

I don't see rent payment as part of the monthly debt these online mortgage calculators ask for. Please advise and thanks! more

Resolved Question: How do you calculate a monthly mortgage payment by hand?

I know there are online payment calculators but I am trying to make an excel spreadsheet calculator and I need to know the equations used to get the results. For example, calculate the monthly payment on a $220,000 loan over 30 years at 5.5% interest. more

Resolved Question: Mortgage payment $$$?

I am just looking and I found a condo in Gilbert, AZ for $165,000 that I am interested in. I was just wondering what the average mortgage payment for a property of that amount is. I do not have $$$ for a substantial down payment but I am a first time buyer and I know they do get some breaks. I tried the online calculators but I don't know what the taxes and interest rates are so I couldn't fill it out...please don't just direct me back to one of those sites. Does anyone know what kind of mortgage payment I'd be looking at??? Am I correct that first time buyers get a percentage of the price towards a down payment? If so, that amount would be my down payment (x% of 165000 = down payment). I have good credit. I do not know the interest rate...that is why I was asking!! (jeeze!!!!!!!!) I guess a 30 year mortgage. I don't really know that much about fixed and adjustable, I think fixed sounds better in the long run. I know I don't want "balloon"! more

Resolved Question: Will refinancing my car help me get approved for a higher mortgage?

According to online calculators, lowering my car payment $100 will greatly increase the "amount of home I can afford." Refinancing my car will bring my payment down just under $100. Is this a smart decision? Will this help or hurt my chances of getting approved by refinancing now and applying for a mortgage in 2.5 months? Also, does anyone know of a free service I can call to get answers to questions like these? I will be a first-time buyer in a few months and I have a few issues that I have no idea how to proceed on. Or, if I provided my e-mail address, would any of you be willing to offer your expertise on a few issues? Thanks for your time! more

Resolved Question: Why don't we qualify?

My husband and I are looking to buy a house. We took first time homebuyers classes, made out a budget for what we can afford, checked our credit scores, and paid down our only credit card by a couple thousand. We are both fresh out of college, so we have not started to pay our student loans, but we have figured into our budget what the payments will be. My husband got a really great job over six months ago, and that is the reason we are even looking. To get an idea of what our mortgage would be before we applied, we did a variety of mortgage calculators online and through the bank that we are applying through for our loan. We found out yesterday that we only qualify for $60,000, but all mortgage calculators and our budget tells us otherwise. We were thinking it would be closer to $80-$100,000. So what did we do wrong, and what do we do in the future. We have thought about asking my parents to cosign, but will that help that much,or do we need to pay our card off?(About $3000) more

Resolved Question: First time home buyer...don't know anything about FHA loans or mortgage amount for my income???

I live in Colorado, just starting a new job where I will make a minimum of 68,500 (medical field so I will be able to increase my income to about 75,000 with extra hours). I'd REALLY like to buy a house, but with being a new graduate, I basically have very little for a down payment. I don't know how much of a housing payment I can afford per month while still saving money, etc. No student loans need to be paid off, the government is doing that for me, and I have minor other monthly payments, no children, and I am single... My question is, are there any downsides to an FHA loan?? Can someone give me a straight answer about how much of a mortgage I can afford, instead of these generic online calculators?? DON'T REPLY WITH GENERIC ADVICE THAT I HAVE ALREADY FOUND ONLINE. I would like to hear someone's personal experience. Being a first time buyer, I don't want to live beyond my means and become another casualty of the housing market...Thanks! more

Resolved Question: What do I need to to before I even look at purchasing a house?

The reason I'm putting this in weddings is that I'm here most of the time and figure there are people here in the same situation. Thanks for your help!! I know a fixed rate mortgage is better than a variable (9 times out of 10). I have looked at some of the calculators online and am having trouble with the tax and insurance rates, as I will be a first time buyer. Any ideas where I can find that information? Any general suggestions? We are working on paying off our credit cards, car, and student loans.. Saving as much as we can for a down payment.. just under a year ago, my credit score was in the mid to upper 600's (depending on the credit company). I will be checking my credit again once it's been a full year. Also, just as a side note, I am not looking to e-mail someone to get approved for a loan. I am nowhere near that point yet, but thank you for any advice you can give. more

Resolved Question: What do I need to to before I even look at purchasing a house?

I know a fixed rate mortgage is better than a variable (9 times out of 10). I have looked at some of the calculators online and am having trouble with the tax and insurance rates, as I will be a first time buyer. Any ideas where I can find that information? Any general suggestions? We are working on paying off our credit cards, car, and student loans.. Saving as much as we can for a down payment.. Emcee H - Thank you for the advice, but we're nowhere close to that yet! I will definitely make sure that's done before we go too far. Also, a bit more info.. I'm in the burbs of Chicago, if that helps with anything. more

Voting Question: Should I refinance a mortgage that I have been pre-paying?

I am trying to find out if refinancing a mortgage that I have been prepaying would make sense. The orginal mortage balance was 220,000 with 6% interest at 30 year amt. start date of 11/05. I have been making an additional principal payment since the beginning of the loan and currently have a balance of 206000. I am trying to find out if refinanceing at a lower rate and continuing to make my additional principal payment would make sense and at what interest rate should I refinance at? I have searched for calculator online but cant find one that fits my critera more

Resolved Question: What affect does a larger down payment have on mortgage payments?

I'm in the first steps of buying a condo, and I'm a bit confused as to what a larger/smaller down payment actually does to the mortgage payment. In all of the mortgage payment calculators I've gone to online, increasing or decreasing the down payment has no effect on the monthly payment and only decreases the term. I am confused because I set the term to 30 years, but its still changing the life of the loan. more

Resolved Question: Mortgage Payments?

What is a good rule of thumb when trying to figure out what a monthly payment would be given x dollars borrowed for y years and z in taxes? Should I use an online ammoritization schedule? I don't like the online loan calculators, they all seem to lowball it quite a bit. Thanks for any help. more

Resolved Question: Should I refinane now?

My mortgage payment is $1500 a month, my interest rate is 8.55% I purchase the house in April 2007 for $175,000. I have $158,000 left on the loan. I call my mortgage company and they told me If I refinance before march 2009 I will get a pre-payment penalty for $7000. My mortgage is attach to libor, my credit score is around 630. I was wondering should I take the hit with the $7000 and save money or should I wait for march 2009. I have check the calculators online and I saw my payment might drop. Please help any comments is appreciated. more

Resolved Question: I need assistance with a financial debt calculation, this is beyond my math skills LOL?

We are looking to become debt free. My husband and I trimmed our budget to where we have an extra $300 a month to pay off these debts. We are going to start sending the $300 plus regular payment to the lowest first then moving to the next and next with additional payments and finally paying off the mortgage. What I need help with is finding either a online calculator or some assistance on how to factor in the intrest rates and such to achieve this goal. I also would like to see what it would take to do it in 4 years. Any assistance with any of the questions is greatly appreciated. Here are our figures. Credit Card- 8% Balance- 2800 Month Payment 150 Car Loan- 8% Balance- 13,900 Month Payment 356 Mortgage- 5.9% Balance- 114,500 Month Payment 915 These payments are not including the extra $300 we would be putting into it. Thank you so much for your help more

Resolved Question: Approx how much should I set aside for TAXES if it is not coming out of my pay?

I will be making approx 90K a year. My dilemma is that I would like to know approx how much taxes I will be expected to pay (both federal and state). I live in MA where there is a 5% income tax. I have the maximum allowable deduction for school loan interest ($2500), and I will be filing jointly with my husband. I will be paying my own (and my husbands health insurance) approx $8500 a year for both of us. My work related expensive are about $4000 a year. My husband usually owes about 11K on his own of taxes after deductions (he is a partner in an LLC) a. We have no dependants. And cannot claim our mortgage interest/payment (another story!). I have some other small deductions but nothing too significant. What @ will I owe. I found an online irs fed tax calculator and added that number to my 5% state tax and got approx 9000+4500=13500. I feel like this is way to low and that I must be doing something wrong since my husband isn't paying much less making 45K. Help! PS I am a contractor which is why this pay isn't taken out by my employer. As for the mortgage issue we legally do not own our condo. Our parents "bought" the place because we don't have enough earning history (since I am just out of school). We pay the mortgage, but they are paying the taxes and taking the deductions for it until we get enough credit history to officially take over the mortgage at a decent rate more

Resolved Question: Online Mortgage Payment Calculator?

I need an online mortgage payment calculator where you can input the following: Mortgage Amount (Example: 10,000 dollars) Mortgage Term (Example: 1 year/12 months) Interest Rate: (Example: 10.2%) Monthly Payment (Example: $200) The calculator needs to show a table of results including: Monthly Balance Interest on Unpaid Balance Total (Monthly balance + monthly interest) Monthly Payment (in my case it's $200 per month) and the Balance after all that. (Total Balance per month: monthly balance + monthly interest - $200) All of that for each of 12 months, and then the grand total last. If there is such thing, the first person to locate a calculator where you can input the monthly balance (not have it calculated) gets Best Answer. I'm asking this cuz I've only seen Mortgage Calculators which calculate your monthly payment. I need one which calculates all/ most of the functions I listed above. Thanx! If you can calculate everything i listed & put it in a graph yourself, even better! By the way, the mortgage stuff is for a project, not in a real situation..... more

Resolved Question: I'm trying to understand BALLOON MORTGAGES. Can someone help me understand the following example?

I entered the following into an online mortgage balloon calculator: Loan amount $100,000.00 Interest rate 6.000% Term 10 years Amortization period 30 years My question is: After 119 monthly payments of $599.55 why does the balloon payment come out to $84,285.33 ? If everything is due on a 30 year amortization schedule, shouldn't the amount owed be the remaining 241 payments multiplied by $599.55 ($144,491.55) ? If not, then where does the $84,285.33 come from? more

Resolved Question: School/Property Tax Question?

Why is it that most states make home owners pay school/property taxes regardless of whether they have children or not? And in turn, why don't people who rent and have children not have to pay these taxes? I believe that most first time home buyers don't know and are not educated on the extra expenses that taxes add to their mortgage payments and/or overall annual housing costs. Why isn't this explained better (i.e. all online mortgage calculators should be mandated to allow added tax costs to figure out the TRUE monthly mortgage payment)? Could this play a major contributing factor to the rise in foreclosures in America? Why can't local governments see that if they started charging school taxes to families that have children regardless of their mortgage or renting status that it would be better for the school systems and make it a better and a more fair economy? People may not be so apt to have alot of children if they know they have to pay school taxes whether they owned or rented more

Resolved Question: How are monthly mortgage payments calculated?

I ask because i have just used a mortgage calculator online and they have worked out this: To borrow Â£100,000.00 over a term of 15 years at a monthly calculated interest rate of 4.89% gives: Repayment Mortgage Monthly Repayment Â£785.08 and Interest Only Monthly Repayment Â£407.50 Thanks for any help. more

Resolved Question: Accurate mortgage calculator (online)?

Does anyone have a link for an accurate mortgage calculator? I noticed when we bought our first house, the online mortgage calculators underestimated our payment by over $200. more

Resolved Question: House Mortgage Question, 1st house please help!?

I have been offered a 60K job in Sierra Vista, AZ. And my wife and I are having trouble figuring out how much home we can afford! Most online calculators are showing us from 120s all the way to 220s!!! We would like to stay within the in the 26%/33% or close to the rule of thumb when it comes to debt. We will be able to use a VA home loan, since I am prior military. We have approx. 10K to put down and have approx. $800.00 in school debt, cars payments, CC payments, etc. Any help on getting us a solid number would really be appreciated. Thanks in advance! Jason With a VA loan you don't have to pay PMI correct? But a VA loan is not the way to go? That's interesting. Also we are thinking a 30 yr loan which is between 6.3 and 6.5 I believe. Does this help narrow it down at all? more

Resolved Question: I am trying to understand mortgage payments.?

If I have a 400k mortgage at 6% fixed interest, how much is my monthly payment going to be? Of this, how much is the interest and how much is the principal? Is there any online calculator that accurately shows me the payment? more

Resolved Question: online mortgage estimate?

I am looking for an online mortgage calculator to give me an estimate of how much I can expect to get a mortgage for. I want to input my income (of which I have none right now, but know how much I will make when I graduate in 6 months), my loan payments, and any other expenses to find out how much an avrage bank would give me. more

Resolved Question: Mortgage calculator where you input the max monthly payment?

Hi, I've been looking online and can't find a calculator where I say I can afford a total of $$$ per month (Principle/Taxes/Insurance/Interest) included and the calculator tells me how much mortgage I should take. Is there one available? more

Resolved Question: Payment Calculators?

How do I use the mortgage calculators that they have online if I dont know how much my monthly insurance or property taxes will be? I am trying to see approx. how much my monthly house payment would be after property tax and insurance????? more

Resolved Question: I need an online mortgage calculator that will show how extra weekly repayments & one off payments reduce loan

The calculators I have found show how either one off extra payments or extra weekly repayments reduce the term of a loan. I need to find one that shows both in the same calculation. A graph would be nice. more

Resolved Question: Should I make a lump-sum payment to pay off my mortgage?

Ten months ago I sold my house and reaped a significant profit. I bought a smaller home, and I realized that I could pay off the new mortgage (15 yr fixed @ 5%) with one lump-sum pmt from the profit from the old house. Is this wise? My thinking is, I will pay 75K in interest over the 15 yrs, or 30-40K if I prepay and reduce the 15 yr term to 8. Obviously the lump-sum pmt eliminates that debt. I've also always felt that paying interest, just to get 1/3 back at the end of the year as a write-off, was foolish. I've tried a bunch of calculators online, but I get conflicting results. Paying this off will not hurt my retirement plans, but I"m wondering if the money could grow faster if I invest it, and if so, in what. My tax bracket is 35%, monthly mtgg pmt (P&I) is about 1580. and total mtgg amount is $200K. I gross $150K+ per year, and have no other debts (I own my car, and pay all credit card bills in full). Any help would be appreciated, thanks in advance! more

Resolved Question: Buying a second house?

I have a rental property. The rent I receive covers the mortgage payment for that one family house. I would like to buy a second house, which will become my primary residence. How much of an impact having a rental property would have on my ability to get a second mortgage loan (for the house I am planning to buy). Is it going to dramatically affect the interest rate I pay? Is there an online calculator for this? Thanks more

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Top Online Mortgage Payment Calculator News

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Home economics - Baltimore Sun

SHEA-TAYLOR: Need money? Check your bill - Sun Chronicle

Follow end-of-the-year tax tips - Fremont News-Messenger

Not too soon to get started on tax preparation - Port Clinton News Herald

FirstAgain Details Top 10 Ways to Build Your Creditworthiness - Earthtimes

Get your 2008 taxes in shape - Modesto Bee

May 2008 Archives - Meganmcardle.theatlantic.com

Online Mortgage Payment Calculator Questions and Answers

Resolved Question: Australian Mortgages - Extra payments per week vs periodic lump sums?

Resolved Question: Questions from a first-time home buyer?

Resolved Question: Are those online mortgage calculators accurate?

Resolved Question: What is the fastest/most economical way for me to pay of my mortgage?I can afford to prepay, but I donâ€™t know

Voting Question: Need educated or professional realtors to answer my questions.?

Resolved Question: how much do you pay for your home mortgage?

Resolved Question: I'm trying to determine how much home I can afford. Do I include rent I currently pay?

Resolved Question: How do you calculate a monthly mortgage payment by hand?

Resolved Question: Mortgage payment $$$?

Resolved Question: Will refinancing my car help me get approved for a higher mortgage?

Resolved Question: Why don't we qualify?

Resolved Question: First time home buyer...don't know anything about FHA loans or mortgage amount for my income???

Resolved Question: What do I need to to before I even look at purchasing a house?

Resolved Question: What do I need to to before I even look at purchasing a house?

Voting Question: Should I refinance a mortgage that I have been pre-paying?

Resolved Question: What affect does a larger down payment have on mortgage payments?

Resolved Question: Mortgage Payments?

Resolved Question: Should I refinane now?

Resolved Question: I need assistance with a financial debt calculation, this is beyond my math skills LOL?

Resolved Question: Approx how much should I set aside for TAXES if it is not coming out of my pay?

Resolved Question: Online Mortgage Payment Calculator?

Resolved Question: I'm trying to understand BALLOON MORTGAGES. Can someone help me understand the following example?

Resolved Question: School/Property Tax Question?

Resolved Question: How are monthly mortgage payments calculated?

Resolved Question: Accurate mortgage calculator (online)?

Resolved Question: House Mortgage Question, 1st house please help!?

Resolved Question: I am trying to understand mortgage payments.?

Resolved Question: online mortgage estimate?

Resolved Question: Mortgage calculator where you input the max monthly payment?

Resolved Question: Payment Calculators?

Resolved Question: I need an online mortgage calculator that will show how extra weekly repayments & one off payments reduce loan

Resolved Question: Should I make a lump-sum payment to pay off my mortgage?

Resolved Question: Buying a second house?