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 Is there a fast and easy way to earn money? |
I'm saving to buy a guitar.
Additional Details
Actually my daughter wants to buy one, so she's pretty young.... |
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| Well, I need to make about 300 dollars in a little over a week. I've been out of a job for about a month and I start a new one pretty soon, but I need some money between now and my start date. (A... |
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 My poor little 24 year old neighbor is soooo upset. She has had a Bank of America credit card for? |
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My husband had us keep seperate banking accounts so that I could pay the house payment out of my money. Is this fair?
Additional Details
All the bills are in my name. I now have to ... |
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 How can i earn money online? |
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 Friend filing chapter 13 bankruptcy and just bought a 2007 fully loaded suburban!!!!? |
| Ok, I have this friend who has gotten herself and her hubby in major debt. She has since talked him into filing bankruptcy. They talked to a lawyer and have decided to file chapter 13. She had a ... |
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 What to do with my $$$$? |
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I told my friends I had 300 dollars for christmas money to spend for gifts. But I got em dollar store gifts!!
Plz gimmie and excuse!... |
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 Does anyone still carry cash in thier wallets? Or have most people switched over to credit/debit cards? |
When I need money I go to the bank or ATM and withdraw cash. I really like the feel of cash leaving my hands and get to feel the money being spent.
Do you enjoy having money in your ... |
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Russell A | Is a Bi-weekly Mortgage Program a good thing? |
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Cymbaline
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if you can do that, pay half the mortgage every 2 weeks, you will end up paying one month extra of your mortgage in a years time.
so if you have a 15 yr mortgage you will have it paid off in 13.5 yrs doing it that way |
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stimpy36
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Yes, If you can afford the extra mortgage payments you'll save thousands of dollars in interest over the life of the loan!!!!! |
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ontopofoldsmokie
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If by Program you mean they CHARGE YOU for the privilege of making more frequent payments going toward the principal then NO.
The idea of paying more on the principal, if you can, is a good idea though. If you pay 1/12th more each month it does the same as any program. Make sure you indicate to apply the additional payment to the principal. Otherwise, they will just add it to interest, principal and escrow. That does you little good. By adding the 1/12 each month you will in essence be making 13 payments each year and will therefore pay off a 30 year mortgage in 23 years and save a buttload of interest money. Note: if they insist on charging you for making extra payments threaten to refinance and go to another lender. I can't stand lenders of any kind that try to charge you for early payment. |
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nease174
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I do it and I prefer it over once monthly payment. |
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sunshine
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I would say yes. |
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Thin Kaboudit
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If you pay half your "monthly" mortgage amount every two weeks, you will end up making 13 "months" payments each year instead of 12. In addition, you will be paying half each payment two weeks early, so you won't pay interest on that amount for those two weeks. You can pay off your mortgage much more quickly.
But beware any "fees" for doing so, some companies like to charge you to do this, they are just trying to make up some of the money they are losing! |
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sexytrojan
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Yes, because it lowers your interest payments in the long run.
HOWEVER, do not get locked into that at closing. You can do it on your own. |
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scubastieb@yahoo.com
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The best way to pay a mortgage is to pay only the interest.... Remember ur buyng something u never owned and really never want to... interest is the only write off on ur taxes... if u pay more u do 3 things...1st you take money out of ur pocket so u have less to spend or to invest to make more.... (in econ, rule is money now is more valuable now than late) 2nd wasted money u will not see in 30+ years i say + because u like most will refi ur loan after 5-15 yrs so it takes it to 45 years ill let u do the math... of extra money.... do u know how much that is in one year... 12 months times lets say $500... wow, 6k a year times 45....... that is a lot of money u will never see ever! then once it is payed off u still dont' see the money it sits in ur house... i know u say well i own my home... so u have no cash in ur pockets or investments so all u will be able to do is die in ur home u own.... now if u invest that at 10% who cares if u won ur home... that is old school thinking u can take anything with you and u will have enought $$ u can live anywhere... All smart business lease anythign u use now so look at like a lease... then as u are just paying interste on ur home so ur $200k-600K home i bet has grown in value apriciation is what that is called at about 5% a year. in 10years u will have a 15% jump so now u have made a lot fo money on the hosue just in the value of it going up so sell it when ur 60 take ur 400k profit and buy a 1000sq or smaller home that fits ur style and pay cash for it and over the 45yrs u have not sacrafised ur wkly, monthly, year income or life style... at all... Be smart..... |
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Quixotic
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An important factor in this question is how are you paid?
If you are paid weekly or bi-weekly, then it can help, because most people budget based on 4 weeks in a month, but some months give you an extra check.
If your are paid monthly or semi-monthly, it won't help you. |
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Rob Lowe
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No, the more often you have to make payments on an interest bearing account, the more you end up paying in interest payments. Your best bet is you take a 25 or 30 year mortgage pay your monthly and pay an additional 1/12 each month directly to the principle, you'll pay off a 30 year mortgage in less than 23 years and save an assload of money. |
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george 2
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no. its best to do it monthly. then if you want to pay more, add more to your payment to get the same result. that way if you need some extra cash one month, you will have it. |
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jesus c
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It can beith a goodith thingith If thow can payith On timeith it will saveith on thy Interest......... |
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