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Author: admin | Category: Auto Rate Calculator | Date: 28.01.2016

Despite the fact that the Indian car market has been down for some time now, there has never been a lack of buzz or anticipation around certain new products. As we have told you before what works for the car are its well designed proportions and good looks. The waistline and roof rails add to its strength of design and feeling of agility, with a very attractive rear marred only by an unnecessary chrome garnish above the license plate. But otherwise the cabin not only offer comfortable seats, with a good ride height, but also a slew of gadget an equipment in the higher variants to keep most buyers today happy. It was once again the 1.6-litre Auto that we drove, as we made our way from Pune's bustling traffic, onto the Pune-Mumbai expressway for a bit, before exiting to Lonavala and driving up the ghat section towards Aamby Valley. The car has a solid feel to it, and isn't too stiff either - meaning a comfortable ride even for rear passengers, without becoming soft or hapless.
The box does have a tiptronic feature but even in the manual mode downshifting is restrictive, and the mapping doesn't allow you to hit the redline. Well the price announcement may scare some way, as suddenly it makes the 3-row XUV 5OO look like way better value. In simple terms, it’s the way your mortgage payments are distributed on a monthly basis, detailing how much interest and principal will be paid off each month for the duration of the loan term. Understanding the way your mortgage amortizes is a great way to understand how different loan programs work.
During the first half of a 30-year fixed-rate loan, most of the monthly payment goes to paying down interest, with very little principal actually paid off. This is important to note because homeowners that continuously refinance will find themselves back in the interest-paying portion of the loan every time they start anew, meaning they’ll pay a lot more interest over the years. Tip: If you have already paid down your mortgage for several years, but want to refinance to take advantage of low mortgage rates, consider refinancing to a shorter-term mortgage. So when it comes time to make your second monthly mortgage payment, interest is calculated on the new, lower balance. Every potential homeowner should take a look at an amortization schedule or a mortgage calculator to determine exactly how mortgage payments apply in their particular situation.
And be sure you understand negative amortization as well, assuming if you got involved with a pesky option-arm loan.
Before creating this blog, Colin previously worked as an account executive for a wholesale mortgage lender in Los Angeles. Most homeowners don’t know (or seem to care about) how a mortgage is actually paid off. This is what they mean by resetting the clock if you refinance before your mortgage term is over. If I make an extra mortgage payment, will that be reflected in the monthly payment of the amortization schedule? If you were to make an extra payment, subsequent monthly payments would still be the same amount, but the interest portion of the payment would go down and the principal portion would go up. My husband would like to retire in 4 years when he’s 55, just in case his company lays him off, as it is happening to others there when they reach that age. Question: Would it be more beneficial to put that amount each month towards the principal,or as an extra mortgage payment? Exactly, we are just now finding out that 16 years in, even when we double payments we missed the bigger boat during the first 15 years.
We have heard that if we make an extra mortagage payment on the principle the first year of the loan and then two extra payments the second year, we would cut our mortgage from 30 to 15 years. Hmm…even if you made one extra payment annually each and every year it would only reduce a 30-year term by a little over four years. If you pay off a 30 year mortgage in five years, is the cost the same as paying off a 5 year mortgage in five years? Colin, my wife and I are gathering info to send to lender for refi of our 30yr into a 15 yr – we are exactly 1yr into the 30 yr. Just do a search for an early mortgage payoff calculator and you’ll be able to find one that lets you add a set amount each month to see the amortization schedule. However, if you keep the original loan and apply $30k to the balance, less interest would be paid and the loan would be paid off in less than 15 years.
What’s the difference between having a 30yr mortgage and paying it off early in only 20 yrs versus having a 20 yr mortgage and paying it off at the end, aka 20 yrs?
The interest rate could be slightly lower on the 20-year fixed, which would make it cheaper unless you make even larger extra payments on the 30-year fixed. My Question is, i am due for renewal in 2016, Should i decrease the amortization to lets say 10 years – so then what i am paying now becomes my normal payment. If you are truly capped on what you can pay and want to pay more, refinancing to a 10-year loan might make sense. I’m debating on whether or not I should refinance my mortgage loan to a 15 year loan from a 30 year or keep adding balloon payments. If your goal is to pay down the mortgage as quickly as possible and you have the money and don’t plan to invest it elsewhere for a better return, a 15-year mortgage could make sense. Yes, years remaining on the loan matters for sure, but if you can drop your rate nearly 2% and go with a relatively similar term, the savings should be pretty substantial. I was told that if I print out my amoritization schedule and pay the next month’s principal amount, it will shorten the mortagage length by a month.
Someone told me there is a way you can pay only towards principal on your mortgage throughout the year and then pay the interest at the end of the year. It’s because you pay the majority of interest during the first half of the mortgage (larger outstanding balance = more interest), and mainly principal towards the end (because the outstanding balance is small).
Assuming the same APR and same total loan amount for a 15-year payback period, is there any advantage to a fixed rate INSTALLMENT LOAN versus a 15-year mortgage?
I have been reading extensively about mortgages and am going to close soon on my very first one. Alternatively, I also wondered what the effect would be if I used the amortization schedule of a 30 yr fixed and then made an additional payment each month of the interest due that month in addition to the principal (in other words, paid the interest due that month twice–once for interest and then the second time put that amount due for interest toward the principal. I would appreciate any input you have, or any further strategies on how best to convert a 30 yr mortgage into 15 yr without being bound to a true 15 yr. The interest amount on the 360th payment would only be a few dollars (it goes down each month over time) so it wouldn’t speed up the payoff of your mortgage very much. I am 68 years old and have a 15-yr mortgage with a 4 percent interest rate and in my 4th year on the loan and am wanting to pay the loan off in 5 years.
My boss told me there is a better way to pay off early than making extra payment a year or adding $100 or $200 to the monthly payment.
He said that he paid off his house (decades ago) in under 10 years by paying off a specific amount from an Amortization table.
You can pay as much (or as little) extra as you’d like, depending on what you want to accomplish. Is it possible to get a full amortization schedule from current lender, even if lender has changed 4-5 times in 15 years (not my choice)?
Veteran contributing editor Kay Bell writes Bankrate's tax stories from her Austin, Texas, home. Our tax expert Kay Bell provides resourceful tips and advice to help you stay prepared for filing.
If you are willing to go secondhand, you don't have to pay a lot to drive an interesting car. A used Subaru WRX has long been the target of compact car enthusiasts seeking cool affordable cars to modify for more speed, better handling, or hotter looks. A used Nissan Sentra SE-R Spec V flies a little under the radar as far as cool affordable cars go, which means that there's a bit more exclusivity associated with owning this model. A used Mazda RX-8 makes it onto our list of cool cheap cars thanks to its lightweight design, supernatural cornering capability, and unique rotary engine.
It's an almost universal truth: used Jeeps are cool cheap cars, and the Wrangler is among the best of the bunch. A used Honda Civic Si is not only a cool affordable car, but it also happens to be a practical one, especially if found as a sedan instead of a coupe. Although they are a bit expensive new, a used MINI Cooper hatchback satisfies the coolness quotient required to be on this list while also offering a comfortable and nimble ride, the availability of high end features, and better-than-expected practicality given the ability to fold down its rear seats and haul a respectable amount of cargo. A used Nissan Cube proves that cool affordable cars don't have to be fast - sometimes, they just need to be funky.
Sport trucks are a lot of fun, and a used Toyota Tacoma X-Runner is one of the slickest-looking cool affordable cars around. It went on sale in China as the ix25 at the end of 2014, and has finally come to us after much waiting, and with the name Creta - which presumably draws on the name of the 5th largest island in the Mediterranean - Crete and also the word creative. The styling is once again in keeping with the Fluidic Sculpture 2.0 design language seen on the i20 last year, and really draws attention to its bold and imposing chrome-grilled faced.


Inside, the cabin is well finished, though the dark colours take away from the sense of space I'd have liked to see. Once we got there, we also went onto some very broken tarmac riddled with potholes and in some cases no tarmac at all!
The car's big USP for me (besides it's looks of course) is the ride feel and its suspension settings.
The Creta also has ESC (electronic stability control) that works in conjunction with a vehicle stability management programme that caters to greater control when accelerating or braking hard, on varying surfaces. The steering wheel itself lacks feedback and is extremely loose with way too much play for a car of this size.
The 1.6-litre engine itself is reasonably peppy and powerful - as I had experienced on the manual as well. That makes instant acceleration a problem, and so you'd need a lot of getting used to and planning, when it comes to things like overtaking and quick lane changes. Hyundai also says its worked very hard on reducing noise and vibration levels within the cabin, and its true that both road and wind noise are contained when compared to some rivals.
I think where Hyundai has faltered is in a bid to try and claim segment leading mileage figures. The fact that Hyundai hasn't done the usual and tried to kill the competition by undercutting it may also be a turnoff for some. The most lightweight of them are HumiCalc (sized at 178,517) and Profit Loss Report Spreadsheet (sized at 203,643), while the largest one is Mathcad with 671,792,611 bytes. Bankrate may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on certain links posted on this website. And an amortization calculator will show you how your balance is paid off on a monthly or yearly basis. Towards the last 15 years of the loan you will begin to pay off a greater amount of principal, until the monthly payment is largely principal, and very little interest. Each time you refinance, assuming you refinance into the same type of loan, you’re essentially extending the amortization period of the mortgage. These are mortgage payments made every two weeks, which equates to 26 total payments a year, or 13 monthly mortgage payments. Simply  knowing your interest rate is not enough to make an educated decision on a loan product.
And it’s true that a shorter-term loan will result in a lot less interest paid, but also consider most homeowners move in less than 10 years. You essentially restart the amortization period, and again start paying nearly all interest in your early payments. We are aiming to get it fully paid in the next 3 years, but we already paid the majority of interest so the only good thing is time.
I’d like to find an amortization schedule that will let me enter a fixed monthly additional princ payment starting now (2nd yr in) so I can compare to the refi. Additionally, it requires no work on your behalf to make the larger payments tied to the 20-year fixed. If I make a significant initial payment (70K of a 100K loan) will it reduce my subsequent monthly payment minimums?
And you could look into a 10-year fixed to save even more, assuming you want to pay faster and can handle the payments. The benefit, they said, is that the interest would be calculated on the lower principal at year end.
Although I would love to get a 15 yr I think it may be wiser to have the flexibility of a lower payment with the 30 yr fixed. My reasoning behind this strategy is that I would be paying more toward the front end of the mortgage and then my extra payments each month would decrease as the interest paid each month decreases, thereby keeping the extra payments a little more affordable. He can’t remember exactly how he did it, but he paid the exact amount of the next payment (principal) a few months out. We’ve never refinanced however our mortgage has been sold off 4 times in 4 yrs and the monthly toward interest goes up. We ask that you stay focused on the story topic, respect other people's opinions, and avoid profanity, offensive statements, illegal contents and advertisement posts. Please refer to Bankrate's privacy policy for more information regarding Bankrate's privacy practices.
Cool cheap cars are out there, and while everyone's definition of the word varies most of the time, a cool car is one that is either fun to drive, great looking, or just offers a certain style and image that appeals across a wide range of demographics. There's no doubt that the dashing two-seat drop top is one of the more exotic-looking cool cheap cars, but its Honda drivetrain helps to ensure that a used Honda S2000 won't come with Italian-level repair and maintenance bills. The Subaru WRX is a tuner's dream thanks to the fact that its turbocharged four-cylinder engine responds exceptionally well to modifications.
The Ford Mustang GT has undergone several revisions over the past few years that have seen prices on older models drop like a stone, which helps the coupe qualify for inclusion on our list of cool cheap cars.
The SE-R Spec V was available for limited years during the fifth and sixth generation of the Sentra, and adds a stiff suspension system, bigger brakes, and a snazzy body kit to the standard Sentra platform. The Mazda RX-8 is also noteworthy for offering a coupe body style that comes with an additional set of small rear-hinged doors that provide easy access to the vehicle's very livable rear quarters. No, a Jeep Wrangler might not be fast, nor is it particularly comfortable, but there's something about the SUV's almost unstoppable off-road capabilities that gives it a rugged charm.
A Honda Civic Si looks a bit sportier than its standard cousin, but slipping behind the wheel reveals that the changes to the compact car's platform are far more than skin deep. A used MINI Cooper's base engine is a 1.6-liter, four-cylinder unit that is tapped to produce 118 horsepower, and the choice must be made between six-speed manual and automatic transmissions.
The Nissan Cube wears its Japanese-influenced styling with pride, offering North American buyers the chance the drive something that hasn't been watered down by the need to accommodate foreign markets.
The Toyota Tacoma X-Runner offers a slammed suspension system, a ground effects kit, 18-inch rims, sticky rubber, a loud stereo, and a hood scoop to charm fans of trucks that are designed to do more than just haul and tow.
I am not sure why, but like Mahindra did with the XUV5OO and the Scorpio, the Creta also has LEDs but they aren't daytime running lights. The high window sill line at the rear is bit disconcerting to the rear passenger and contributes to the lack of perceived space - just like in the i20. Well I already had one insight into that aspect when I drove the car briefly at Hyundai's test track inside its plant in Chennai. Hyundai says special care has been given to the car's suspension so that most of the jerks and bumps are swallowed up before they can reach the car's body itself. As a result the car also handles well, but a little bit of body roll creeps in at higher speeds or during sharp cornering.Sadly, that's only available on the top-end SX(O) variant and even the automatic doesn't have it. This was a problem that afflicted many Hyundais in the past, but since the current Santa Fe and of course more so the new i20 came along I had thought it was a problem that had been relegated to the past too. On the manual its a whole lot better, which is what makes the auto version a bigger let down.
The diesel engine through is kind of loud, especially when you're trying to floor it and the lag means it takes forever for the turbo to respond.
I am not sure that would have been of paramount importance to the buyer in this segment, who not only expects good performance but has also been spoilt by the Duster - which does deliver on that front. But on the whole I expect to still see many of them on our roads - and maybe, just maybe, Hyundai will achieve what it has long sought in India - a premium product blockbuster. It will also detail how much interest you’ll pay over the life of your loan, assuming you hold it to maturity. This interest reduction would continue until your monthly mortgage payments were going primarily to principal. That extra month payment per year goes toward principal, lowering the total amount of interest paid and decreasing the term of the loan. Use an amortization schedule and you’ll see the many tens of thousands you will save. So those that refinance should always consider shorter terms to avoid extra interest costs. Our next mortgage will be paid majority first 15 years instead to kill that extra interest.
I want to do this to determine if I should do refi or just increase monthly payment on my own.
Obviously we would need to have funds available to pay a large interest sum at end of year but have you ever heard of doing this, and if so, is it a good idea?
I am very good at saving money and would like to try my best to pay off the 30 yr in 15 yrs.
I just don’t know how much I will save overall if I do things this way as opposed to simply paying according to the 15 yr schedule. Most of us could use an extra pair of glasses or, for fun, prescription colored contact lenses.


Some cool affordable cars are harder to find than others due to their relatively low production numbers, but the miracle of depreciation has put many intriguing automobiles within the reach of the average driver. A 2.2-liter, four-cylinder engine produces 237 horsepower, sent to the rear wheels via a six-speed manual transmission, and the S2000 is a favorite amongst track enthusiasts looking for a dual-purpose car that they can also run on the street without having to worry about reliability.
A standard all-wheel drive system makes the WRX a viable option in the wet, in the snow, and on dry tarmac, and a five-speed manual transmission helps to manage the vehicle's output. 2010 and earlier models might not have the same level of power as the current edition of the car, but 315 horses from a 4.6-liter V-8 is nothing to sneer at. The RX-8's 1.3-liter Renesis rotary engine can be relied on to produce up to 232 horsepower when matched with its available six-speed manual transmission - output that comes at a staggering 9,000 rpm, giving the Mazda even more of a race car feel. Add in the fact that you can peel off the top - and remove the doors - and you have a winning formula for coolness. Extensive chassis tuning helps to make the Civic Si an entirely different beast, giving it surprisingly neutral handling for a front-wheel drive car. The rounded rectangle that is this compact crossover is weird and wonderful at the same time, especially considering the patch of shag carpet that it wears on its dashboard and the transparent rear pillar designed to help improve visibility for the driver. The X-Runner, which is available as an Access Cab model (seating for as many as five passengers), comes with the Tacoma's top-tier 4.0-liter V-6. Well wrong on that last one since Hyundai has disappointed us with premium pricing that takes the Creta, variant for variant, higher than the Renault Duster. And yes - the heavens had opened up and it poured cats and dogs - lashing wind and incessant rain pretty much the whole time we were there. The 6 speed gearbox has not been mated well to the engine in that it lacks response and punch.
Having said that - the auto will still work just fine in daily city traffic (expect quick overtaking!). To achieve this, can I simply print out an amortization schedule for a 15 yr mortgage using the exact same interest rate I have on my 30 yr (3.875%) and make sure that I pay the principal due on the 15 yr schedule each month (minus the amount of principal already built in to my 30 yr one)? The interest rate on the 15-year mortgage would be lower so technically you’d have to make an even larger extra payment to equal the savings of the 15-year. Honda discontinued the S2000 in the summer of 2009 following a few years of low sales figures, but its unique characteristics are still worth consideration. Later model years also offer the option of a six-speed manual or an automated continuously variable transmission.
Transmission choices for the retro-styled Mustang include a five-speed manual and a five-speed automatic, and the GT can reach 60 mph from a standing start in just a few ticks over five seconds.
A 3.8-liter V-6 powers Jeep Wranglers, starting with the 2006 model year, and it offers up 202 horsepower and can be shifted via either a six-speed manual or a four-speed automatic transmission. The Cube is powered by a 1.8-liter, four-cylinder engine that is good for 122 ponies, and transmission options include a six-speed manual and a continuously-variable automatic.
This gives the driver 236 horsepower to play with, and depending on whether you are more into show or go, the X-Runner can be picked up with either a six-speed manual or a five-speed automatic transmission. But now that we have had a few days to digest that information, lets get on with our review shall we? After that first impression it was time to put the car through the paces with a real world road test. So besides that meaning we were also pretty drenched as we tried to take pictures and film it!
And this is a huge disappointment as it really takes away from the car's driving character. The turbo takes forever to kick in and its only past 3000 rpm that you start to truly enjoy it's character and power. How do you want to spend your time?"Set goals," says Leslie Tayne, an attorney in New York.
31, you'll lose it.Check your deadlineIn some cases, however, the year-end deadline isn't firm. Please avoid posting private or confidential information, and also keep in mind that anything you post may be disclosed, published, transmitted or reused. Throughout the years, this high-performance Subaru Impreza variant could be had in either sedan or hatchback body styles, adding further versatility to what is already a well-rounded car. Mazda discontinued the RX-8 in 2011, giving this cool coupe plenty of time to depreciate to affordable levels. This version of the Civic Si features a high-revving 2.0-liter four-cylinder engine that blasts out 197 horsepower. The Cube was only available in North America between 2008 and 2014, so shop around for a solid, yet well depreciated example. And as you read on you will realise it doesn't get more real world than what we experienced. So now you understand what I meant by really putting it through the paces - with wet roads, waterlogged roads, no roads etc! Peak torque is available only in the 1900-2750 rpm band - and realising that on the automatic is vastly different from the manual. The IRS allows employers to give FSA owners until March 15 of the following year to make eligible medical expenditures and pay for them with account money.
We do not permit the inclusion of hyperlinks in comments and may remove any comment that includes a hyperlink. 2: Time Social SecurityThe decision about when to take Social Security is tricky, especially for couples.
There can be a major benefit to delaying benefits at least until full retirement age -- between 65 and 67, depending on your year of birth.
But some retirees who are forced to retire earlier than planned may need to take it as early as 62."Know your Social Security benefit at key ages, such as your full retirement age and at age 70, and consider whether it makes sense to wait and receive the much higher benefit available at age 70," says Paul T.
You also should check with your benefits manager before you buy an item if you have any questions about its FSA eligibility.And don't forget about the cost of getting to medical offices, says Turney.
3: Plan Medicare and supplementsAfter Social Security, enrolling in Medicare is one of the biggest decisions facing retirees, says Murray. Medicare is complex, and enrollment dates differ depending on which part of Medicare you are enrolling in. If you are already signed up for Social Security or Railroad Retirement Board benefits before you turn 65, you will automatically begin receiving Part A and Part B at that time. If not, sign up for both 3 months before your 65th birthday.Medicare Part C refers to Medicare Advantage plans, under which you receive health care services through a health maintenance organization or preferred provider organization. The initial enrollment period for both programs begins in the 3 months before you turn 65, including the month you turn 65, and ends 3 months later. 4: Create a post-retirement budgetMany people believe their post-retirement expenses will be significantly lower than their pre-retirement expenses, but that isn't usually the case, says Vollmer. And while you probably won't go out to lunch with former colleagues or clients, you may go out to dinner more often.By taking a close look at your current and expected future expenses, you can be better prepared to match your spending with your post-retirement income. Also, remember to have money set aside for bigger expenses that come up infrequently, such as the replacement of a roof or major appliances.ADVISER SEARCH: Need help planning for retirement?
5: Pay down all debt if possibleDebt payments, whether from credit cards, a mortgage, a car loan or a child's student loan, can burden a post-retirement budget, leaving less room for the kinds of activities that you want to enjoy in retirement. If you still have debt during the year before retirement, pay down as much as you possibly can -- at least the debt outside of a mortgage, says Larry Luxenberg, partner with Lexington Avenue Capital Management in New City, New York.Entering retirement mortgage-free is ideal if that's possible, says Vollmer. 6: Dial back investment riskThe recent financial crisis showed that the risk of a major downward movement of the market just before retirement is all too real, says Jeffrey Sica, founder, president and chief investment officer of Sica Wealth Management in Morristown, New Jersey. Surrendering 15%, 20% or even 25% of the value of your retirement portfolio in the year before you retire can torpedo the best-laid retirement plans.
It can result in having to postpone retirement or cutting back on the post-retirement lifestyle.That's why it makes sense to revisit asset allocation in your company retirement plan, says Murray.
7: Update legal docs and policiesRetirement is an opportune time to review major legal documents and insurance policies and consider adding or subtracting coverage. 8: Design your portfolio for incomeAs you count down to retirement, you will move from accumulating funds to withdrawing funds on which to live. Designing a post-retirement investment portfolio that can provide enough income while appropriately managing risk is a major challenge, especially as life spans are increasing. This requires a balance of growth assets such as stocks and more conservative assets, such as bonds and cash.Vollmer stress-tests client portfolios to ensure that, to the greatest degree possible, they can last throughout a long retirement and avoid major losses in the event of a sudden or prolonged market downturn.



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