Online Calculator

Credit Changes Affect Mortgage Qualifying

Credit score formulas have recently changed affecting the qualification of some borrowers when financing a home purchase or refinancing a mortgage. Here are the main changes: 1. Ratio of Balance to Limit The ratio of account balance to the amount of credit available appears to have more influence on the credit score formula. The less [...]

Structured Settlements: Selling your payments

  People who own a structured settlement annuity benefit a lot from it. The financial security of your dependents and you are well taken care of for long periods by the structured settlement payments; further, the interest earned on the payments as well as the payments themselves are nontaxable.  However, if you need the money [...]

Don’t Guess at Lotto; Calculate to Win

Many people, if not most, would not think to include gambling a legitimate area of financial planning. However, with millions of people involved in gaming of all sorts, and billions of pounds, dollars, and euros at stake, why not? Many people gamble strictly for amusement; but what if you want to gamble to actually produce [...]

The Best Trading Strategy

How Important Is Trade Entry? Just before I teach you the best trading strategy I’m going to share with you the worst trading strategy of all time. There are a million and one strategies that can be applied to all aspects of trading. I’m going to share with you what I consider to be one [...]

Save Your Remaining Teeth or Protect Them

Tooth loss, among other things, can be quite a devastating or a demoralizing experience. The most common factor or cause of tooth loss would be periodontal disease commonly referred to as ‘gum disease’. This is associated with advanced stages of gum deterioration. When the gums are afflicted with bacteria that secrete toxins onto and around [...]

keep looking »