A Free Mortgage Calculator And Some Other Great Tools!

A free mortgage calculator will be just one of the tools on this new button.  I've included a calculator to determine how long it will take to recover the costs to refinance your home mortgage.  And you'll also find a calculator to determine just how quickly you could pay off consumer debt accounts.

It is only a preliminary tool in determining if this is a good time to buy a new house.  The page on current mortgage rates gave you something to consider regarding the housing bubble and the political economy.  Hopefully it provided you some insight into the next few years.

The two biggest fears I have for our country are the amount of debt we all carry and the general health of our citizens.  We may be at the mercy of elected officials when it comes to the debt load on the country as a whole.  Unless we make better use of the ballot box.

But we can do something on the personal side to cut down on our own debt.  The future is uncertain at best.  It is imperative that all of us eliminate the burden of crushing debt and free up dollars for long term security.

These tools have been added so you can see the numbers in front of you.  If we can get a clear picture, we can fix the problem.

Here is that free mortgage calculator...


Knowing whether or not you will really save any money and hopefully shorten the time period that you write those mortgage checks is critical in deciding to refinance your home mortgage.  I gave you some more thoughts on the highlighted page about that topic a while back. 

The tool listed below isn't a true mortgage amortization calculator but it does come close.  It doesn't give you a detailed breakdown of monthly principle and interest reduction.   It will give you a sense of saved interest depending on the time frame you enter and the interest rate you select.

Credit card debt relief is one of the most important parts of any future plan.  I gave you a great debt relief program that featured, "The Total Money Makeover" by Dave Ramsey on a previous page.  Every dollar you eliminate from consumer debt is another dollar into your plan of investing for retirement.

The credit card relief calculator and the tool to determine if refinancing might make economic sense are listed side by side below...

Free credit card payoff calculator by Bankrate.com

This free mortgage calculator can be an eye opener if used correctly.  You should really keep your housing payment including taxes and insurance under 34% of your monthly household income.  Better to have and not need, than to need and not have.

These tools will help you to prepare for the future and if necessary, correct some missteps from the past.  Knowledge is most important.  If you can devote a little time each week to improving financial literacy, you will be far ahead of the crowd.  Please use the page directory to find topics that are of interest to you.  We strive to feature experts in their field with proven track records of actually doing what they write.

Return From Free Mortgage Calculator To How To Books

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Just below is a quote from "Don't Sweat The Small Stuff" by Richard Carlson.  The chapter title is "Open Your Heart To Compassion." 

"Every day we are given hundreds of opportunities to practice compassion in action.  We can learn to be less reactive and live with more patience.

We can smile when others are serious.  We can drive our cars more carefully, pick up litter on the streets, recycle, and reduce our consumption.

We can resolve conflicts rather than create them, and we can become less judgemental and more inclusive.  When someone is aggressive, we can teach them to be more peaceful.  Instead of waiting for an example, we can be the example.

The more compassion that enters your heart, the happier and more peaceful you will become.  By knowing that you are doing your part to create a better world-whatever form that takes-you will fill any void that exists in your life, and you will begin to find the peace you are looking for."

What's New?

Just below is an article from Peter Schiff about passing the buck from one administration to the next.

Owning The Bubble

Just below is a link to look up your congressional representatives.   Let them know you expect accountability.

Congressional Representative Look Up