Family: Add A Few Dollars To Your Mortgage Payment

Add A Few Dollars To Your Mortgage Payment

Written by Terry J. Rigg

Continued from page 1

By adding $74.70 to your 20 year loan you can save $16,662.42 and pay repparttar loan off in 16 1/2 years.

By adding $101.07 to your 15 year loan you can save $11,271.73 and pay repparttar 110351 loan off in 12 1/2 years.

You can also see by repparttar 110352 chart that obtaining a shorter loan term when you buy your house can save a lot of money.

There are a couple of things that you need to check. First is that your loan agreement doesn't allow repparttar 110353 loan company to charge penalties for early payment. Secondly, if you itemize your federal income taxes and deduct mortgage interest, paying less interest will mean a lower deduction. I believe it is safe to say that repparttar 110354 interest savings will far outweigh repparttar 110355 tax savings.

Even if you don't have $75 to $100 a month to add to your mortgage payment, even $25 would save a lot.

If you would like to have your own Loan Calculator, just visit www.pine-grove.com to download their Loan*Calculator! Plus. This is a free version and has everything repparttar 110356 average family can use. It is also repparttar 110357 Loan Calculator I have used for several months. Highly Recommended.

Terry Rigg is the author of Living Within Your Means - The Easy Way http://www.homemoneyhelp.com/ebookadpage.html and editor of The FREE Budget Stretcher Newsletter and Budget Stretcher web site http://www.homemoneyhelp.com. He has 25 years of experience counseling individuals and families concerning their personal finances.

Doing genealogical research? What you should know about birth certificates

Written by Mike Nielsen

Continued from page 1
• The full name of repparttar

person on

birth certificate • The date of birth • The city or town and county of birth • The father's full name • The mother's full name, to include her maiden name • The requester's relationship to repparttar 110351

person named on repparttar 110352

certificate • The requester's reason for requesting repparttar 110353

certificate You will also have to pay for repparttar 110354

birth certificate. Prices to obtain a birth record are anywhere from $10 to $30. However, most state and local governments charge around $15. Keep in mind that you may not actually need to obtain an official birth certificate to verify your genealogical research. Birth records are maintained by repparttar 110355

board of heath, repparttar 110356

bureau of vital statistics, or repparttar 110357

county clerk's office. All birth records are required to be kept whether or not repparttar 110358

infant lives. This means that you should be able to at least verify any ancestors in which some record was kept. Even if you cannot obtain an official birth certificate, you may be able to get a copy of repparttar 110359

birth certificate or a copy of repparttar 110360

information regarding birth was kept. As you can see, birth certificates can provide you with a substantial amount of concrete information about your ancestors. While all vital records, including birth were not required to be kept before 1910 there are many that are available. If you need more information about obtaining a birth certificate, a copy of a birth certificate or just need to verify that repparttar 110362

information you have regarding an ancestor is accurate, contact repparttar 110363

local board of health, bureau of vital statistics, of repparttar 110364

county clerk's office of repparttar 110365

person you are researching to find out more. Good luck to you in your ancestral research and most importantly, have fun with it!

Mike Nielsen is a client account specialist with 10xmarketing - More Visitors. More Buyers. More Revenue. Find more information about birth certificates, visit OneGreatFamily.com.

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