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Author: admin | Category: Car Loan Canada | Date: 16.01.2015

Calculate the payment and outstanding balance for a Canadian mortgageusing this calculator.
The spreadsheet is pretty self explanatory, and many of the cells contain pop-up comments that provide information about the inputs and calculations. This calculator allows you to analyze the effect of an Accelerated Bi-Weekly payment plan, a common type of mortgage repayment plan.
Canada Mortgage and Housing Corporation : Contains a lot of excellent material and guides for buying and selling homes in Canada, such as information about CMHC Mortgage Loan Insurance. Mortgage Calculators : Provides a formula for converting between Canadian and US mortgage rates. This tool allows you to calculate your monthly home loan payments, using various loan terms, interest rates, and loan amounts.
This tool uses your current monthly rent payment to estimate how much loan you can afford while spending the same amount each month. Advertised vs actual home loan interest costs may vary singificantly based on points, origination fees & closing costs. One of the advantages of real estate investment is that some homeowners may qualify to deduct mortgage interest payments from their income when filing their taxes. Discount points are an upfront fee which homeowners can pay to access lower mortgage rates. Do you currently carry high interest revolving credit on credit cards, cars & other personal loans?
This estimator and guide helps home buyers estimate the total closing costs on a home loan. Use this tool to quickly see how much money you can borrow against your built up home equity. This tool helps buyers calculate current interest-only payments, but most interest-only loans are adjustable rate mortgages (ARMs). One problem with interest-only loans is that unless home prices rise the homeowner does not build any equity in their house, which puts them in a precarious position when mortgage rates rise.
This calculator was designed specifically for conventional Canadian mortgages, with semi-annual interest compounding. Provides estimates of monthly payments for loans which periodically reset via adjustable rates. Use this to look past the sticker price and evaluate the total cost of ownership of a vehicle.
This will help you figure the current balance of a loan if irregular payments have been made. This tool shows you how much time and money you could save by paying off your debts using the "rollover" method.
This tool helps people with bad credit figure their borrowing costs & financing options. This guide helps small business survey their options and evaluate the cost of various funding sources.
When you think about saving money the first thing that comes to mind is squeezing a few dollars out of your paycheck to deposit into an account. Inflation and taxes both have a significant impact on compounded savings over the course of many years or decades. Take a snapshot of your current financial situation by comparing your assets and liabilities. Purchasing a certificate of deposit, or CD, is a safe way to invest your money and to get a guaranteed return. Use this to figure what it costs you to go to work and what you are making after those expenses. This calculator offers inflation adjusted and unadjusted retirement savings plans based on an expected rate of return, a specified payout period and an estimated rate of inflation. Free tool which help you to estimate the amount of money you will need to have saved by retirement age in order to meet your desired retirement income goals.
A Roth IRA allows you to postpone some tax obligations while your money compounds as you save for retirement. If you have been saving in a 401K, provided by your employer but have either lost your job or moved on for a better opportunity, then you have an important decision to make. Augment your retirement income by establishing a line of credit based on the equity in your home that a lender pays to you. Help your customers buy a home today by installing this free mortgage calculator on your website. We are only a third of the way through your Expectancy Investing course and our investment performance has already improved by $120,000 compared to what our old portfolio would have done over the same time period. When I came to you I was close to having enough money to retire and wanted to know how to best manage my risk going forward. You’re views and advice have my wife and I seriously considering the Expat life in a few years.
When I started coaching with Todd, I was a traditional buy and hold investor who did a little stock picking on the side, and I was on the verge of making a major real estate investment decision that would have been unwise. With the current period of high market valuations and low bond returns (2014), I was concerned about keeping and growing my investments. I rarely do this (if ever!) but in your case I felt truly inspired to email you about your website.
When I started on this journey with Todd, my husband and I had no wealth or retirement plan and we were living paycheck to paycheck. I initially hesitated at the cost of the coaching sessions, but using just one of Todd’s negotiation techniques saved $40K on a real estate deal so the coaching has more than paid for itself.
I was reviewing my notes and realized how much more confidence and less anxiety I feel toward investing now. Before taking your Step 4 course about commitment, I thought that my ironic combination of both discouragement about failed deals and hope for financial freedom was a commitment to wealth. You can then create a household budget worksheet to use as a reference point for creating a budget.
Your personal budget will vary within these percentages based on personal preferences and income level.
This calculator works great in tandem with the expenses calculator here to compare these suggested allocations with your actual spending.
If this is your scenario then this Budget Calculator can help you take control of your money and get your savings back on track.
There are lots of free budget planners online that can help you create your first budget template.
The purpose of budgeting is to allocate your income between your estimated expense categories for the month. However, the process can be confusing because there are so many different expense categories plus some expenses get paid monthly, others quarterly, and still others only occur annually. Irregular or annual expenses can be budget busters if mishandled and must be treated differently.
The best strategy is to take the annual amount and divide it by 12 to get a monthly expense and then save that amount every month so that you have the cash on hand to pay the annual bill when it arrives.
Insurance Premiums – The premium paid to your insurance provider every year like car, home, life, and disability. Record all your monthly expenses and categorize them into fixed (unavoidable) or variable (avoidable) expenses. Set a schedule for implementing the family budget template, review your list every month, and adjust your expenses based on your needs. Convert Irregular Payments To Monthly Budget How much should I budget each month for all my quarterly, annual, and irregular payments?
Cash Flow Calculator How do I project all my irregular income and uneven expenses into a reliable cash flow projection?


Wage Calculator – Convert Salary To Hourly Pay What does my salary equal in hourly pay – both real and nominal?
We’ll email you a screen print of the calculator you just completed, exactly as it appears on your screen.
I’m Todd, and I created Financial Mentor to give you a step-by-step blueprint for building wealth that actually works. Learn The Do’s And Don’ts That Maximize Your Odds For Investment Recovery After Investment Fraud Strikes. Prevention is your best defense against becoming an investment fraud victim, and there are numerous articles on this site educating you on how to avoid investment fraud. The typical first response to realizing you are a victim of investment fraud is a combination of anger and embarrassment.
You’re unlikely to be the only victim, and every day the investment fraud goes undetected more people will be hurt by it. You might be pleasantly surprised to learn that according to Bruce Sankin, an auditor and mediator for NASD, “In 2004, 91% of investors who knew their rights and first mediated and then arbitrated recovered part or all of their investment losses.” That is a valuable and worthwhile statistic to know.
However, to understand the above quote it is important to create a distinction between stock broker fraud at a legitimate firm and investment fraud by the firm itself. If you are facing stock broker fraud within a legitimate firm then your first action is to complain in writing to the broker first and the branch manager second. Your local Postal Inspectors Office if mail was used as part of the investment fraud process.
Always remember… con artists can’t get prosecuted and your money can’t get returned if you don’t speak up. The information contained on this web site is the opinion of the individual authors based on their personal observation, research, and years of experience. It allows you to specify the mortgage term, periodic extra payments, compound period, and payment frequency (including weekly and bi-weekly payments). Just choose "Acc Bi-weekly" or "Acc Weekly" from the payment frequency drop-down box (see below for more info).
Basically, you just enter values in the white-background cells, and see what happens to the payment, total interest, outstanding balance, etc. 6 months, 1 yr, 2 yr, 3 yr, 5 yr, 7 yr, or 10 years), which is essentially the length of time that you are under contract for the specified mortgage rate.
The left navigation groups calculators by category, while a more extensive explanation of each calculator is below. It includes advanced features like amortization tables and the ability to calculate a loan including property taxes, homeowners insurance & property mortgage insurance. Use this free calculator to figure out what your remaining principal balance & home equity will be after paying on your loan for a specific number of months or years. Insert the amount you would like to pay each month & this calculator will figure how many years you save on your home loan given that additional payment versus a loan set to amortize over 30-years.
Use this free calculator to see how even small extra payments will save you years of payments and thousands of Dollars of additional interest cost. Use this free tool to view today's best home loan refi rates from top lenders & estimate your savings at a lower APR (Annual Percentage Rate). This calculator helps you discover if you should consider paying points on your home loan & calculate how quickly the points will pay for themselves. You may be able to leverage a home equity line of credit (HELOC) to lower your monthly debt payments. This pre qualification calculator estimates the minimum required income for a house & will let you know how much housing you qualify for a given income level.
Some home owners refinace a second low rate mortgage from another lender to bypass PMI payment requirements. When the housing market is hot many people chase it, buying near the peak with interest-only loans. One way to build a bit of a buffer from market fluctuations is by adding extra payments applied toward your principal. Use this free mortgage calculator to get a side-by-side view of multiple loan quotes to select the best offer. Home buyers can shave years off their loan by paying bi-weekly & making extra payments. Use this free calculator to estimate the monthly payments and the total interest costs over the life of the loan. This free online calculator will show you how long it will take to pay off your current debt & the amount of interest you will accrue over that period while only making minimum payments.
Use this free credit card repayment calculator to find out how long it will take you to pay off your debt with current payments, and how much you'd be required to pay monthly to eliminate credit card debt sooner.
That is certainly a good way to save, but there are many more subtle ways to save that add up just as quickly. Use this tool to see how much interest you've earned, and how much of that value was ultimately consumed by interest.
We immediately clarified the real estate decision ultimately putting 100’s of thousands of dollars in my pocket. I’ve read some of your books and much of your web content and I have to say that I have gotten as much or more out of your financial and non-financial writings as I have from the many, many articles and books I have read on the subjects in question.
I especially love this page because I used to coach independent financial professionals on their marketing and business development, and I’ve never seen a financial professional who shares so much quality, straight-forward, down-to-earth information that truly helps the consumer choose where to get their financial information, and why.
It’s completely refreshing to read a well-written article on the different ways to get information and support! In just one short year Todd helped us reduce our expenses by 30% AND create a wealth plan that is based entirely on REALITY; in fact, we’re already half way through implementing it! I can safely say that I haven’t seen anything you’ve written to readers that isn’t sound thinking, useful to the reader, or something I wouldn’t have wanted to tell my investment clients. The information here is not found elsewhere, and I especially appreciate the “pushing information and financial knowledge” rather than simply another sales pitch disguised as an informative newsletter. I had spent many years reading books, taking courses, and trying, but the results were not a picture of wealth.
Just enter your income (annual or monthly) and this budgeting tool will calculate the conventional spending amounts based on normal percentage ranges. But before you jump in, make sure that you are ready with your list of inputs necessary for creating a budget. Don’t forget to include the non-monthly expenses, which includes payment for insurance premiums, school tuition fees, property taxes, etc.
Sticking to your budget plan can be frustrating especially when you have big expenses coming up that weren’t anticipated. Use tools like this Budget Calculator to make the process dynamic so you can add any unforeseen expenses in your next month’s budget. Accelerate your debt payments and avoid paying only the minimum amount required on your credit card. The first step is debt freedom, and the second step is financial freedom, but it all starts with proper budgeting. However no guarantee is made to accuracy and the publisher specifically disclaims any and all liability arising from the use of this or any other calculator on this web site. More than 15,000 people have already used this blueprint to jumpstart their financial freedom. By complaining to authorities as quickly and loudly as possible you are doing your best to fight back against the con-man while also increasing your chances of recovering any lost money.
It should be highly motivating to take action if you believe you are a victim of investment fraud. In that case pursuing corrective within the same firm is not likely to work so it makes sense to turn to the regulators for additional help.
The publisher and its authors are not registered investment advisers, attorneys, CPA’s or other financial service professionals and do not render legal, tax, accounting, investment advice or other professional services.


A normal bi-weekly payment, found by setting the Payment Frequency to bi-weekly, would be $268.14 rounded. Keep in mind that some online calculators do not round the payment and interest to the nearest cent, so if you see a small discrepancy in the calculations, this is likely the issue.
Please consult your financial advisor or lending institution before making any final financial decisions. Calculators featured below contain amortization tables, allow home buyers to generate a PDF report about their loan, and make it easy to email these reports.
Please note that federal governmental loans from the USDA, the VA & the FHA have their own loan qualification requirements. For each quote you can select different rates, terms, points, origination fees & closing costs. Bi-weekly payments help you pay off principal in an accelerated fashion — before interest has a chance to compound on it. The interest costs will only spiral further if you keep spending on the card while making the minimum payments, or if you miss a payment and get hit with late fees and other penalties. I want to thank you so much for the work you are doing and I can confidently say that I’m ready to face the task of self employment as soon as my present contract ends in January 2017.
We accomplished all this in such a short time by reworking every aspect of my financial plan – selling my expensive home, building a rental property portfolio, improving business income, and more.
On the portfolio investment side, he taught me a totally different way of thinking about money, retirement, and investing that has now changed how I run my portfolio and will pay long lasting dividends. What I got out of our sessions (and selected readings) was a much deeper understanding of investing that gave me specific strategies to grow my portfolio safely using risk-management overlays.
I managed to get the bulk of my investment back and was just waiting on the last contract to expire. I have been to hundreds of sites and spent hundreds of hours reading up on retirement planning, wealth building, and investing.
These ranges were determined by cross referencing the Consumer Expenditure Survey from the U.S.
Unless you have extraordinary self-discipline, it won’t happen without a budget plan.
Use at your own risk and verify all results with an appropriate financial professional before taking action.
You may be tempted to sweep the mistake under the rug and get on with your life by putting it all behind you.
The sooner you contact these resources the greater the likelihood that you will stop the investment fraud from victimizing another person like yourself. It also lets you see how making periodic extra payments (prepayments) can save you money and help pay off your mortgage sooner. The result is that by the end of a year you will have paid the equivalent of one extra monthly payment towards the principal.
Our spreadsheet DOES round, and it also adjusts the last payment to bring the balance to zero. 15-year loans build home equity faster, whereas 30-year mortgages offer lower monthly payments.
In making biweekly payments, those 26 annual payments effectively create an additional (13th) month of regular payments in each calendar year.
Many credit cards not only charge interest on their fees, but also charge higher rates of interest for anyone who misses a payment.
Not only that, he’s also given me the tools I need to personally navigate this shift and turn it all into a fulfilling, exciting life. Todd doesn’t hold back and will rock your world with an in depth understanding of how the investment markets really work coupled with unique insights and gobs of logic.
I’m now clear about my investment goals, and I’m more confident I will reach them using the tools and strategies from this course.
Unfortunately, the last check bounced so it is looking like I won’t get my last refund or any future payments.
Before the course had completed I had saved more than the cost by avoiding portfolio losses. I used to think investing was just about diversifying and asset allocation, but you gave me a grander view and the confidence to run my own portfolio.
Because each individual’s factual situation is different the reader should seek his or her own personal adviser. I now have a much deeper understanding of how investing works and have the confidence to manage my portfolio to produce reliable performance for my retirement.
After speaking with Todd just once, though, I felt confident that working with him had the potential to change my financial course, and boy was I right. I barely got out soon enough to come out ahead, but with the refunds and payments I did receive I am very much in the black. I would wholeheartedly recommend Todd and his approach to anyone who is looking to learn how to properly self-direct their investments.
Your course was well honed-out, all the pieces fit together, and the learning steps were in the right order.
Neither the author nor the publisher assumes any liability or responsibility for any errors or omissions and shall have neither liability nor responsibility to any person or entity with respect to damage caused or alleged to be caused directly or indirectly by the information contained on this site. If you have significant credit card debt & pay extra each month, you can really eat into principal and save thousands of Dollars in interest costs. Instead, I have a firm understanding of the markets and can move forward with a clear-cut plan that manages the risk inherent in investing.
Now, as I look back over the past 6 months, I feel so fortunate to have met Todd and learned from him.
If the debts are reasonable, it may also make sense to pay off credit cards & other high interest loans using a home equity loan.
Previous to learning his investment process there was no rhyme or reason to my investment decisions.
Additionally, this website may receive financial compensation from the companies mentioned through advertising, affiliate programs or otherwise. If the debt load is too high you may want to talk to a credit counselor to seek alternative options. They were based on gut feelings and hunches, and my results were proof of the faulty methodology.
Rates and offers from advertisers shown on this website change frequently, sometimes without notice. Todd has taught me a mathematically sound investment process which I will be able to rely on for the remainder of my investing career. While we strive to maintain timely and accurate information, offer details may be out of date. I feel as though I have been given the tools to think for myself and really analyze any investment decision through the lens of a valid investment strategy. I have already implemented the strategy and have seen positive returns in a short period of time (even during the most recent market downturn). What is even more important to me is that I feel as though I now have a bullet proof process which allows me to participate in the market’s upside, all the while giving me downside protection against major losses. I feel securely placed on the path to financial freedom, and in large measure I have Todd and his coaching to thank for that.



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