"The Easiest Way to Buy or
Sell a Home or Get a Home Loan in Klamath Falls" Information
provided by Town & Country Realty & United Mortgage Corporation of
America
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Penalty-free
IRA withdrawals before 59 1/2 - Did you realize there is a special IRS
rule that let's you make regular withdrawals before 59 1/2 without paying
the 10% penalty? You must make "substantially equal" withdrawals
over a minimum 5 year period. Look here for more information.
Lunch
Savings Calculator - It's amazing to see people who go out to eat lunch
everyday, spending $3 to $6 for five days a week to eat. I wonder what would
happen if calculated the savings over making your own $1 lunch every day...
CPI/Inflation
Muliplier Remember back when you could buy a car in 1972 for $2,500? Has
inflation inflation really made that car cost $20,000 now? Well, I grabbed
the U.S. CPI (consumer price index) information from the Labor Bureau for
1913-1999 to see how inflation has really increased. Neat stuff.
Minimum
IRA Distribution Comparison This builds upon my previous IRA
Withdrawal calculator by adding comparing the single life table, to the
MDIB (Minimum Distribution Incidental Benefit) table, to the same age case
of the Joint Life and Last Survivor Expectancy table.
Minimum
IRA withdrawal calculator How come so many places talk about the 70 1/2
withdrawal requirements but don't show you the numbers? The reason is
because it is complicated! Here are the minimum withdrawal requirements for
a single life (i.e. no beneficiaries) IRA. Note that even though you must
withdraw the amounts from your IRA (or suffer a penalty) and pay tax on the
distributions, you don't have to spend it!
What's
Missing? Loan Calculator This simple program finds the missing loan
variable (loan amount, monthly payment, interest rate or number of months).
Rule
of 78 Loan Calculator A few people have asked me about this one, so I
researched it out and wrote it up. Boy, these loans are weird!
What's
a Million? Let's see how long it takes to reach a financial goal, say a
million dollars, but then let's see how much that will be worth then!.
Compound
It! This simple JavaScript does a monthly compounding on a fixed balance
as well as contributions.
Calculate your AMT
Tax (Alternative Minimum Tax!). With too many exemptions you may have to
recalculate your income tax!
Here's a simple little
JavaScript calculator that shows you the after
tax interest rate of your mortgage. It also shows the after-tax return
on your investment income. Taxes do weird things to rates!
E-Mail amortization Forms -- Straight
Amortization or Prepayment
Some people complain that their browsers crash when pulling down an
amortization schedule. Well, now I will e-mail you one! You can either use a
full schedule without any prepayment, or start with your current loan amount
and enter any monthly payment amount you want. Having it as e-mail makes an
easier permanent record for printing, importing or just to fill up your
mailbox!
Retirement
Payout Calculator - a modification of "duration.cgi" to show
the fixed payout out of an annuity in a perfect world.
Wealth
Calculator This uses the formulas and discussion from Stanley and
Danko's best-seller The Millionaire Next Door so you can see how
wealthy you really are.
Estate
Tax Calculator Estimate your total taxable estate and how much estate
tax you would pay!
Updated
IRA/401K/403B Calculator This takes old
annuity calculator and adds the under 59 1/2 penalties and the minimum
withdrawal requirements. Note that this follows current "standard"
IRA laws, whereas the new "Roth"
IRA's will actually follow my
older calculator. And remember when you take withdrawals from your Roth
IRA's you PAY NO TAX! They are really too good to believe. I hope you
rolled over your present IRA's in 1998 while you could get the special 4
year deal too!
JavaScript
Mortgage Payment Calculator Here is a simple JavaScript example for an
interactive calculator. It just takes a few inputs and figures out your
monthly payment. Like all JavaScript, the source is embedded in the HTML. (Requires
a JavaScript capable browser.)
What's
Your Yield? Find the long term yield of your investments given start and
ending amounts and how much you contribute each month.
Income
Qualification Calculator - UPDATED I calculated the numbers right
but explained them out wrong! I don't want people to think they can buy more
than they can really qualify for!
Prepayment
calculator - UPDATED Take your current balance and look at your
loan reduction. Does biweekly mortgages too. Now it allows input of your
originating loan values.
APR
Calculator #2 - Find the APR of a loan given points, and other included
costs.
Tuition
Savings Calculator - We're going to have another child! That means one
more body to send to college! Let's see how much it will cost...
Simple
Loan Calculator - Only three inputs, loan amount, interest and length of
loan, calculates the monthly payment for any type of fixed payment, fixed
period amortized loan (mortgage, car loan, etc).
