Any Year
Any Year
 |
 |
5 CheckBook Register Check REGISTERS 46pg FREE Shipping |  |
 |
US $3.89 | 29d 1h 26m |
 |
5 YEAR DIARY WITH VINCENT VAN GOGH SUNFLOWERS HARDBACK COVER NEW | |
0 Bid | US $13.79 | 22m |
 |
Plum red color Silicone Fish Cable Winders For iPod Headphones Earphones | |
2 Bids | US $.06 | 1h 52m |
 |
Pink color Silicone Fish Cable Winders For iPod Headphones Earphones Earbuds | |
1 Bid | US $.01 | 3h 52m |
 |
Vintage Hand Carved Bible Book Stand | |
0 Bid | US $49.99 | 5h 22m |
 |
New 7321 Alice in Wonderland Diary Scheduler Organizer Vol15 red wine | |
0 Bid | US $13.99 | 5h 59m |
 |
ALLEN PAULA BOYD STERLING NAVAGO TURQUOISE 4 BOOKMARK | |
1 Bid | US $19.99 | 10h 27m |
 |
Bookmark “Confucius ”ancient character of China | |
0 Bid | US $.99 | 10h 43m |
 |
SET 2 Metal Bookmarks—Cartoon King and Queen of ancient China Cute bookmarks | |
0 Bid | US $6.99 | 11h 54m |
 |
Rose flower embossed handmade leather bound blank book journal vintage gift | |
0 Bid | US $27.99 | 14h 50m |
 |
Cuisinart ICE-30BC Pure Indulgence 2-Quart Automatic Frozen Yogurt, Sorbet, and Ice Cream Maker
List Price:  |
Features
|
 |
Cuisinart GR-4N 5-in-1 Griddler
List Price: |
DescriptionThe Cuisinart(tm) Griddler makes "multifunctional" an understatement! Make perfect panini... plus! With four separate cooking options, it can handle everything from pancakes to sausages to grilled cheese to steaks, hamburgers and panini... Features
|
 |
Cuisinart DCC-1200 Brew Central 12-Cup Programmable Coffeemaker
List Price: |
DescriptionA striking blend of retro style and modern technology. Programmable for brewing up to 24 hours in advance. Setting for 1 to 4 cups ensures full-bodied flavor and aroma. BrewPause™ feature lets you enjoy a cup before brewing is finished... |
 |
Greatest Hits
List Price: |
DescriptionAll products are BRAND NEW and factory sealed. Fast shipping and 100% Satisfaction Guaranteed. |
 |
Endless Summer: Donna Summer's Greatest Hits
Sale Price: $42.95 |
DescriptionEndless Summer, Donna Summer's Greatest Hits. Format: [Audio CD] |
 |
A Little Princess
List Price: |
DescriptionAfter the critical success of 1993's The Secret Garden, Warner Bros. returned to the novels of Frances Hodgson Burnett to create this 1995 adaptation of A Little Princess, which instantly ranked with The Secret Garden as one of the finest children's films of the 1990s... |
The Benefits of the 15 Year Loan
Recently people have been interested in a lot of the more exotic loan programs from no interest loans to negative amortization. There has been some negatives associated with these loans with the changes in the mortgage industry. So I wanted to take some time to talk about the almost forgotten 15 year loan. Some people see the 15 year loan as drab and boring compared to all the fancy loans out there, but there are a lot of benefits of the 15 year fixed-rate loan.
For one, you pay the loan off in half the amount of time you would with a 30 year loan. So if someone is currently 30 years old, they would pay off the loan when they are 45 instead of 60. Because it takes half the time, people frequently think that the payment on a 15 year loan is twice as much as on a 30 year loan, but this is far from the case. For instance, if we look at Compass Bank today a 30 year $160,000 loan will have a monthly payment of $1037.75. On the other hand, a 15 year loan is $1382.80 a month.
This shorter loan life translates to paying significantly less interest over the life of the loan. To figure out the interest, we take the total payments per year over the life of the loan and subtract the original amount of the loan which is 160k. So for the 30 year loan we use the formula ($1037.75 * 12 * 30yr) - $160,000 = $213,590. So you are pay a total of $213,590 in interest over the 30 years. On the other hand, for a 15 year loan using the same formula ($1382.80 * 12 * 15yr) - $160,000 = $88,904, you end up paying only $88,904 in interest, which is a 59% savings.
The details of why you pay less overall interest but somehow don't have a huge increase in monthly payments get a little involved. Since the $160,000 is amortized over 15 years, more of your monthly payment goes towards the principle amount of the loan than in a 30 year, so your next month's interest is calculated off of a smaller loan amount. For example, after 3 years, your principle balance is $154,351 on a 30 year and $138,279 for the 15 year. Since your balance is being paid down each month, your total interest is significantly less, so when you spread it out over 15 years, it will not double the 30 year monthly payment. Another factor in paying less each month is that most lenders will give you a better interest rate for a 15 year loan over a 30 year loan. In our examples, the Compass interest rates were 6.375% for a 15 year and 6.75% for a 30 year.
Are there any downsides to a 15 year loan? The biggest is probably inflation. If we went through a period of rapid inflation then for the last 15 years of the loan the payments would effectively be less because of inflation.
I am not saying everyone should get a 15 year loan. Frequently, people cannot spare the extra money per month and need to put that money into getting a larger house because of children or other needs. And I would never expect a 15 year loan to be the most prevalent mortgage used. But before picking a mortgage, it's probably a wise move to consider the 15 year mortgage and weight out its advantages.
About the Author
Ki Gray is a broker in Austin, TX. His company Escapeso Austin Texas Real Estate provides a lot of information about the local Austin real estate market as well as descriptions of the different Austin neighborhoods.
Any suggestions on teaching a 1 year old how to share?
My 1 year old is an only child but goes to daycare so he socializes with other children on a regular basis. Sometimes he pulls toys out of other childrens hands. I know that at this age they don't know any better. But how to I introduce sharing. Any suggestions?
When my daughter was this age, she did the same thing. However, through my actions I was able to show her how much mommy shared with her. Whenever I would give her a taste of something I was eating, I would say, "Mommy is sharing with you." When she pointed to something I had (like a book or keys, whatever) I would say, "Do you want mommy to share that with you?" I would introduce the concept of sharing by how often others share with her.
Then I moved on to forcing her to share with me. I would take her dolly for a few seconds and say, "Katrina is sharing her dolly with mommy" and I would hug it for a few seconds and hand it back to her. This way she started to understand that sharing meant that you would eventually get your toy back. It seemed to work for us, but take heart in knowing that this is common behavior for 12-24 month babies.
I'm Declaring 3/22 "International Talk Like William Shatner Day"!
Treasuries Drop, Eroding Monthly Gain, Before Seven-Year Sale
May 27 (Bloomberg) -- Treasuries fell, eroding the biggest monthly gain since March 2009, on concern yields near the lowest level in a year will curb demand when the U.S. sells $31 billion of seven-year notes today.