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shubhmortgage · 2 years

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Mortgage Calculator Service in California:

Use the free California Mortgage Calculator to estimate your monthly payment, including taxes, mortgage insurance, principal, and interest.

A mortgage calculator helps in calculating things in a few minutes. Buying a new home is a time of dreams and opportunity, but navigating the mortgage process can also make it stressful and confusing. Different interest rates and repayment terms can make it difficult to compare mortgage loan offers.

Our mortgage calculator should help you understand everything. This helpful tool makes it easy to find mortgage loans and choose the best deal for you.

How to Use This Calculator:

Our mortgage calculator can help you understand how differences in interest rates and repayment terms affect the size of your monthly payment and the total cost of a home over time. Little information is required to get started. Adding a few more details using the calculator's optional advanced options can give you an even clearer idea of what your monthly mortgage payment might look like for different loans.

- House Price: This is the amount you pay the house seller. If you are in the early stages of home shopping, use the seller's asking price for comparison, but remember that this number is negotiable. If you are shopping in a highly competitive market and expect to be one of several bidders, you may want to bid above the asking price. In slower markets or for properties that have been on the market for a longer period of time, a bid below the asking price could be successful. Work with a real estate professional/ Mortgage Advisor to set your bidding strategy.

- Down Payment: When you enter the house price, the calculator automatically fills in the Down Payment field to reflect 20% of the house price. This is the standard down payment required for most traditional mortgages. Many mortgage lenders, including those who make government-backed loans, will accept lower down payments, usually in exchange for higher interest rates and/or fees - and with the stipulation that you pay for mortgage insurance, which you can factor into the calculator's advanced features.

- Term (in years): Enter the number of years required for the mortgage to be repaid. By default, this calculator assumes a 30-year mortgage, as this is the most common home loan term in America. Other standard mortgage terms include 15 years, 20 years, and 40 years. Adjust this number according to the offer you are evaluating. All things being equal, longer mortgage terms mean lower monthly payments, but also significantly higher interest costs over the life of the loan.

- Interest Rate: Enter the interest rate for the loan you are considering. Be sure to enter the interest rate, not the APR (annual percentage rate). These numbers may be similar, but the APR reflects interest costs plus additional financing costs like fees and mortgage insurance.

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roomstudent · 7 months

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copypastefonts · 1 year

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When it comes to buying a home, one of the most critical factors to consider is your budget. Before you start house-hunting, you need to know how much you can afford to spend. That's where a mortgage calculator comes in.

A mortgage calculator is an online tool that helps you estimate how much you can borrow and what your monthly mortgage payments will be. It takes into account your income, expenses, and other factors to give you a realistic idea of what you can afford.

In this article, we will give you a comprehensive guide to mortgage calculators. We will cover everything from what they are, how they work, and how to use them to make informed decisions about your home buying process.

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dehnlghcontreras · 1 year

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Economic Advisers - A Dying Breed?

So you've made your own career choice plus you're going to be able to be considered a financial advisor. A noble idea, taking peoples finances, chances of a job for the particular future and making them a reality shouldn't be derided as a career choice. It's a challenging role to do successfully and one of which more people, presented the transparency engendered by the FSA, needs to be looking with as a practical career option. To become successful financial advisor you need several skills, including deal with to face men and women skills, sales strategy, administrative capacity and even mathematical ability. That is a very difficult part to understand and some financial advisers nonetheless claim to get learning the part twenty years into the job. Throughout the UK particularly, heavy regulation plus a leaning toward high levels of qualification mean that you will never just jump in to a financial advisory part. It has in order to be a regarded as choice as that needs a huge sum of time only to secure the qualifications required, let by yourself get yourself a role since a financial adviser with little or no encounter. And therein is placed the rub : how can probably new financial agents, newly qualified, degree educated and very intelligent guys plus gals mostly, locate a job when most of typically the companies in the united kingdom financial services industry demand financial advisory 'experience' as a requirement. It's the chicken and even egg scenario. An individual can't find employment because a financial agent without the encounter but you won't obtain the experience with no working in employment as an economical adviser. This will be where the BRITISH financial services industry neglects dismally in bringing in new blood. Whilst other career selections such as Nurses, Teaching, etc almost all have smooth profession paths from college, University, placement within temporary work knowledge roles and on secure positions -- Financial advisers possess a difficult change from qualification in order to secure employment. Consequently Financial Adviser is not really perhaps seen because a viable alternative when considering which often direction you desire your career to follow, which is the shame, successful economical advisers will possess a very good quality lifestyle, many generating large salaries and even earning huge advantages, particularly in typically the banking environment. Of the many methods of attracting fresh blood to the UNITED KINGDOM financial services industry I would recommend fast track scholar placement such since that used by simply other industries. Any time the graduate absorption starts many organizations will fight tooth and nail, using various incentives, to secure the best ability. https://svwm.co.uk/ should be doing it same. The financial services industry has a not enough new blood in addition to unless something is definitely done to secure fresh talent on a regular basis instructions costly industry that will will slowly become more specialized plus more insular than it currently is, by having an aging work force, properly qualified and well experienced but together with deficiencies in youth in addition to dynamism to acquire the finance business into the prospect.

#financial advisers

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mchughlvbsnider · 2 years

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Economic Advisers - A new Dying Breed?

So you've made your own career choice plus you're going to become a financial adviser. A noble thought, taking peoples funds, hopes and dreams for typically the future and which makes them a reality shouldn't be derided as a career choice. It's a hard role to carry out successfully and another that more people, given the transparency engendered by the FSA, must be looking from as a feasible career option. To be a successful financial adviser you need different skills, including encounter to face individuals skills, sales method, administrative capacity and mathematical ability. That is a very difficult position to master and some financial advisers nonetheless claim to get learning the part twenty years into the job. In the UK especially, heavy regulation plus a leaning to high numbers of accreditation mean that you will never just jump in a financial advisory position. It has to be a deemed choice as it takes a huge quantity of time simply to secure the qualifications required, let on your own obtain a role as a financial mechanic with little or no encounter. And therein lies the rub : how can probably new financial agents, newly qualified, level educated and quite intelligent guys and even gals mostly, locate a job whenever most of typically the companies in the united kingdom financial services industry demand financial advisory 'experience' as a precondition.

It's the chicken and even egg scenario. An individual can't find employment because a financial agent without the experience nevertheless, you won't obtain the experience without working in work as an economical adviser. Check over here is where the BRITISH finance industry falls flat dismally in appealing to new blood. Whereas other career alternatives such as Nursing, Teaching, etc almost all have smooth career paths from college, University, placement inside temporary work knowledge roles and on to secure positions instructions Financial advisers possess a difficult transition from qualification in order to secure employment. As a result Financial Adviser is just not perhaps seen while a viable option when considering which often direction you desire your career to adhere to, which is the shame, successful monetary advisers will have got a very excellent quality lifestyle, many making large salaries in addition to earning huge benefits, particularly in the particular banking environment. Of the many methods of attracting new blood towards the UK financial services market I would recommend fast track graduate placement such as that used by other industries. Any time the graduate intake starts many organizations will fight tooth and nail, using various incentives, to be able to secure the best ability. Financial advisory companies should be doing the same. The financial services industry has a deficiency of new blood in addition to unless something is usually completed secure innovative talent on some sort of regular basis : costly industry that will gradually turn out to be even more specialized and much more insular than it previously is, by having an aging work force, well qualified and nicely experienced but together with a lack of youth plus dynamism to acquire the financial services market into the potential future.

#Financial Advisers

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aro-culture-is · 6 months

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Aro culture is:

“You’ll get a crush someday!”

Five years later, seventeen years old, no crush and forced into a toxic relationship because your mom is toxic

I'm sorry that that has happened to you. To you, and anyone else in these situations:

You know yourself. Even if your current aromanticism is a phase, that doesn't mean people should be invalidating your current feelings and intentions. You deserve to be listened to and respected.

As much as is possible, establish boundaries in your relationships. I will always advocate that a boundary is not "Do not do this", a healthy boundary looks more like "If you do this, I will respond like this." For example, in toxic relationships, there is often an expectation that you will drop everything for the other. It may be useful to say "If I tell you I cannot hang out right now and you insist I should regardless, I will silence notifications from you for an hour." If they disrespect your boundary, enforce your reaction. If they tell you this is extreme, unreasonable, anything of that nature - remind yourself: I am respecting my time. Even if I would like to be hanging out, I cannot, and being pressured to find excuses or being shamed for circumstances I cannot change in this moment is unreasonable and harming me.

Things will get better, and that is a promise. I know at 17 I wanted to reach through the screen and strangle anyone that told me that - but seriously. My life at 23 isn't perfect at all - but I am in control of it. You will get there.

#Anonymous #aro culture is #aro #aromantic #actually aro #actually aromantic #ask #mod axel #mod phoenix #(bcs the meddler phoenix is [<2] he saw this and was like oh?? protect???)#advice #also totally get if this was intentionally generic due to Internet #but i do strongly advise trying to specify to yourself what about that relationship is toxic #is it enmeshment/codependency/etc? is it specific emotional abuse or financial abuse or physical/sexual? etc.#at least personally that has really helped me with avoiding gaslighting and feeling more confident in describing why i feel the way i do

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dontmeantobepoliticalbut · 2 months

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The Biden administration announced a rule Tuesday to cap all credit card late fees, the latest effort in the White House push to end what it has called junk fees and a move that regulators say will save Americans up to $10 billion a year.

The Consumer Financial Protection Bureau’s new regulations will set a ceiling of $8 for most credit card late fees or require banks to show why they should charge more than $8 for such a fee.

The rule would bring the average credit card late fee down from $32. The bureau estimates banks brought in roughly $14 billion in credit card late fees a year.

“In credit cards, like so many corners of the economy today, consumers are beset by junk fees and forced to navigate a market dominated by relatively few, powerful players who control the market,” said Rohit Chopra, director of the bureau, in a statement.

President Joe Biden planned to highlight the proposal along with other efforts to reduce costs to Americans at a meeting of his competition council on Tuesday. The Democratic president is forming a new strike force to crack down on illegal and unfair pricing on things like groceries, prescription drugs, health care, housing and financial services.

The strike force will be led by the Justice Department and the Federal Trade Commission, according to a White House statement.

The Biden administration has portrayed the White House Competition Council as a way to save people money and promote greater competition within the U.S. economy.

The White House Council of Economic Advisers produced an analysis indicating that the Biden administration’s efforts overall will eliminate $20 billion in annual junk fees. The analysis found that consumers pay about $90 billion a year in junk fees, including for concerts, apartment rentals and auto dealers.

The effort appears to have done little to help Biden politically ahead of this year’s presidential election. Just 34 percent of U.S. adults approve of Biden’s economic leadership, according to a new survey by The Associated Press-NORC Center for Public Affairs Research.

Sen. Tim Scott, R-South Carolina, criticized the CFPB cap on credit card late fees, saying that consumers would ultimately face greater costs through higher interest rates and less access to credit.

“It will decrease the availability of credit card products for those who need it most, raise rates for many borrowers who carry a balance but pay on time, and increase the likelihood of late payments across the board,” Scott said.

Americans held more than $1.05 trillion on their credit cards in the third quarter of 2023, a record, and a figure certain to grow once the fourth-quarter data is released by the Federal Deposit Insurance Corp. next month. Those balances are now carrying interest on them, which is the highest it has been since the Federal Reserve started tracking the data back in the mid-1990s.

Further, more Americans are falling behind on their credit card debts as well. Delinquency rates at the major credit card issuers such as American Express, JPMorgan Chase, Citigroup, Capital One and Discover have been trending upward for several quarters. Some analysts have become concerned Americans, particularly poorer households hurt by inflation, might be taking on too much debt.

“Overall, the consumer is credit healthy. However, the reality is that there are starting to be some significant signs of stress,” said Silvio Tavares, president and CEO of VantageScore, one of the country’s two major credit scoring systems, in an interview last month.

The growth of the credit card industry is partly why Capital One announced it would buy Discover Financial last month for $35 billion. The two companies, which are two of the largest credit card issuers, are also two companies whose customers regularly carry a balance on their accounts.

This is not the first time policymakers have weighed in on credit card fees. Congress in 2010 passed the CARD Act, which banned credit card companies from charging excessive penalty fees and established clearer disclosures and consumer protections.

The Federal Reserve issued a rule in 2010 that capped the first credit card late fee at $25, and $35 for subsequent late payments, and tied that fee to inflation. The CFPB, which took over the regulation of the credit card industry from the Fed after it was established, is proposing going further than the Fed.

The bureau’s proposal is similar in structure to what the bureau announced in January when it proposed capping overdraft fees to as little as $3. In that proposed regulation, banks would be required to either accept the bureau’s benchmark or show regulators why they should charge more, a method that few bank industry executives expect to use.

Biden has made the elimination of junk fees one of the cornerstones of his administration’s economic agenda heading into the 2024 election. Fees that banks charge customers have been at the center of that campaign, and the White House directed government regulators last year to do whatever is in their power to further curtail the practice.

In another move being highlighted by the White House, the Agriculture Department said it has finalized a rule to stop what it deems to be deceptive contracts by meat processors and to ban retaliation against small farmers and ranchers that work together in associations.

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zahroreadsthings · 6 months

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Study session...

Question: Do you go?

Response: Yeah. Time to learn about geography too, I guess.

In the end there's no point in staying - the only prize for winning this competition was clout. You both take up Sol on his offer, Dessa more enthusiastically than you.

It's easy enough to lead the way to the library but you fumble when it's time to find books on weather - you've only used Deema's before.

Sol pats you on the shoulder sympathetically and goes to speak with a librarian while you and Dessa find a table.

'You have a real talent for poking holes in solutions, Dessa,' he says when he returns, a small stack of books in his arms. He doesn't sound the least bit annoyed.

'I have to! Almost everything's written for you coastal folk. I make so many notes in my books I basically wrote them. You coastal folks have it easy.' She giggles behind her hand at Sol's surprise. 'It's true! I don't have the sea to moderate temperature.'

That hadn't occurred to you; you've lived by the sea all your life. You jot that down in your notebook.

'And altitude,' Sol says. 'Air gets thinner and colder the higher you go.'

'And if there's, say, valleys where cold air pools,' Dessa continues.

Sol nods along as he flips through a book. 'Rain shadow, valleys, basins... all things you look out for where you are?'

She nods confirmation.

They carry on while you flip through the book in front of you. It has more detail than you think you'll ever need, but you diligently take notes regardless. Who knows what you might need to know when finding Deema's samples?

An hour passes and the library closes. Your notebook is full of notes to go over... but you think you can also get your mittens finished tonight.

#polls #cyoa #I ripped dessa's name when I played dnd the other week #in another universe she's a 35 year old mountain dwarf with a massive axe #ultimately I ripped the name from someone I spoke to at work #I think she was a financial adviser #thanks dessa

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willowcrowned · 27 days

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Hi sorry for politics question but why is libertarianism considered bad? Like I thought it was about equality and sharing power in opposition to hierarchical authoritarianism but based on how you talk about it I’m likely super wrong about it?? Ty!!

I assume you're talking about this post.

Disclaimer: I don’t have a lot of experience with political theory or political history, so I can’t explain how libertarianism got from what it originated as to the modern American party that calls itself the Libertarian Party.

What I can tell you is that libertarianism as it’s used in modern America refers to the party with a right-aligned libertarian philosophy that prizes free-market capitalism. A lot of libertarians tend to refer to themselves “socially liberal” but “fiscally conservative,” which is to say that they don’t think governments should regulate industry but are generally pro-gay rights and pro-legalizing weed and other drugs.

There is, of course, a distinction between the libertarian party and people who identify as libertarian but aren’t a part of the party for various reasons, and left-aligned libertarians certainly do still exist in America. (Extremist right-aligned libertarians also exist—many constitutional militias are composed of extremist right-aligned libertarians.) But “libertarian” as it’s used in the American common discourse (and as I used it) still tends to refer to supporters of the Libertarian Party.

tldr; Kalvaxus thinks that taxation is theft and he should be allowed to burn towns get money without the government trying to stop him, but also thinks that being gay is fine, probably.

#anyways i'm not a great resource on this so if you're interested in the evolution of American libertarianism or libertarianism as a whole #I really advise you to do your own research #since anything I say is (a) not going to be as complex or well-researched as it needs to be #and (b) going to be colored by the fact that I think there's no way to really be socially liberal #if the financial systems you're in favor of can only operate by exploiting the very groups you claim to support #asks #anon #politics

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emmettverhoogen · 8 months

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“You gave me specific instructions not to let the children back in, Mrs. Squalor,” the doorman said. “At least, until Gunther left the building. And he still hasn’t left.”

“Don’t be absurd,” Esmé said. “He left the penthouse last night. What kind of doorman are you?”

“Actually, I’m an actor,” the doorman said, “but I was still able to follow your instructions.”

Esmé gave the doorman a stern look she probably used when giving people financial advice. “Your instructions have changed,” she said. “Your new instructions are to let me and my orphans go directly to my seventy-one-bedroom apartment. Got it, buster?”

#esmé squalor #a series of unfortunate events #asoue #the ersatz elevator #quotes #the financial advising stern look #lemony snicket #esme squalor

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acircusfullofdemons · 23 days

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school's starting next month I gotta finish remaking my coding blog

#luka.txt #had a group advising thingy today #now all i need to figure out is financial aid. yay..

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manchestercapitalmanagement · 1 month

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Guiding Legacies: Premier Family Office Services in New York

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#Premier Family Office Services in New York #top family office firms #family office new york #financial adviser manchester #family office santa barbara #family office investment management #investment management #family office usa #family office #family office manchester

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mywitchcultblr · 1 year

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My financial advise for you in the current climate and impending recession is to invest in cats instead of things like the stock market or real estate, cats have more value since they can purr, give you cuddle and kisses, also they are cute.

#finance #economy #financial advise #THIS IS SERIOUS #cats #cat

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king-ludwig-ii · 3 months

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Also I know that we are all pessimistic about owning property but a genuine tip for when/if you have a mortgage:

Around November every year you will get a notice from the Financial Institution you’re borrowing from. This will be your Taxes & Income Account Assessment also know as your T&I Disclosure.

I cannot fucking stress this enough: read it. You should really be reading every communication you get from any financial insinuation you use whether it’s for a mortgage, banking, commercial lending, consumer lending, or investing. But especially read this.

This is the early disclosure that lets you know the escrow assessment of your property and tells you how much you payments will be starting January of the imminent year.

If escrow was shorted for whatever reason— property value skyrockets etc etc— your payment will go up and it’s important you know that esp if you have an ach or automatic payment set up.

Also if you overpaid your escrow you will get your escrow surplus given back to you. Most institutions you lend through will require you to have a savings account even if you don’t bank with them— this overage will be deposited into the savings and sit there. This T&I disclosure is the only required communication of this disbursement.

#the amount of people who have hundreds or thousands just having around they don’t know about #on the other hand the amount of people who don’t READ THEIR MAIL ?!?!?! and their payment goes up and it causes problems for them #sorry I work for the enemy aka in finance now #so here’s a tip for you #also happy to give financial advise if anyone needs it bc my whole job is mitigating peoples fuck ups for them and my employer #and helping correct errors #specifically with mortgages but you know #captain’s log #text

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culmaer-sideblog · 1 year

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so searching for a new job is about as much fun as you can imagine.

the main issue I'm running into is that most positions are offering substantially less than I currently earn, which I feel is already too low for a decent life in this city so less is unacceptable. and other positions I find intriguing require at least a masters degree. and fair enough, they're looking for specialists, and at least on paper, I am not

I never did a masters because my degree in International Relations was depressing and disillusioning and I didn't want to continue in that field. instead I started over and did a second bachelors in French, which was fun. And so the thing is, if I go back to uni now (besides the enormous expense that would be) I'm not going to do an MA in IR, that would be insane. and I feel like French was fun but....not what I see myself doing for the rest of my life. So I will have to pivot again !!! although, I could *in theory* start again at honours level (i.e. 1 year before entry to masters) rather than starting a whole new BA from scratch. and then proceed into a masters in curating and archival studies from there. in theory.

I was kind of panicking when I started writing this post. but the above now seems like a fairly reasonable plan. the only thing is the cost of studying (South Africa is like the US in this sense. education is expensive) and the fact that while studying I could only work part-time at best,, and I've become so accustomed to having an income so that might not be fun

but like, what are my other options realistically ? do I just keep looking for work and hope something decent turns up ? I mean, i don't technically need to enjoy my work, I just need to be good at it and use the income to fund hobbies and joy in my private life. so I could just take any position. or should I actually start over from scratch, academically, to ensure I really do have a solid theoretical basis ? but then I could pick any field, not just one I can easily pivot to. although that will be a financial risk, so maybe not that. and part of me just wants to make art, like, should I keep taking short-courses and workshops, rather than investing in another formal degree ? practical experience is valuable too right ?

#perhaps I'll reach out to my former supervisor to talk #but also I greatly appreciate any comments and feedback I receive on here #because I feel like my fellow millenials and younger have a more realistic understanding of how the world is now #my current boss would have excellent insights probably #but they're from the class that can make life decisions based on vibes without considering the financial implications of those choices #so their advise isn't always realistic or actionable #and the only irl/non-tumblr friend I would otherwise be comfortable enough with to discuss this is going through their own stuff atm

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ofhouseadama · 2 years

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I've finally taken the last step to get out from under my parents' financial abuse this morning. Please clap

#i removed them from all my bank accounts when i turned 26 #which is when the government forces parents to roll off custodial accounts #but the financial advisor at the bank still called and tattled to my dad anytime i used my money #or made any kind of decision about my money #and then did not advise me at all on my money #so i've pulled it from the bank entirely because i now have a financial advisor i trust #so he's going to handle it for me this week #and close my accounts at the one bank and pull them all over to his #and educate me and give me options

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