earning cash online

Compare Monthly Payments With an Interest-Only Mortgage Calculator

With an interest only mortgage calculator, you can find out how much your monthly payment would be depending on factors you provide for the calculation. Typical factors include the total amount you need to borrow, known as the principal; the number of years you’ll be paying on the loan, or the term; and the interest rate for the loan. With an interest-only loan, any of these factors can change the estimated monthly payment. For example, changing the interest rate to a higher number will increase the monthly payment. Lowering the term or increasing the principal can also cause an increase.

An interest-only loan works well for individuals with uncertain income, such as a commission-based one. Using an interest-only calculator gives you a point to use for comparison to other loans. You can look at the estimated amortization schedule and determine whether or not you’ll save money in the long run with the interest-only mortgage. Based on the calculations, you may find you can afford to pay the principal and the interest, which may allow you pay the loan off sooner because a part of every payment lowers the outstanding balance. You can add in additional money each month to see how that affects the monthly payment and the loan payoff.

If you want to use a calculator for an interest-only loan for information, check out free ones on the Internet. After you find the information you need, you can email it to yourself or print a PDF of the calculations for your records. Some websites allow you to compare different mortgage options on the same screen, so you can easily compare and contrast your options. If you need more advice about whether or not to secure an interest-only loan, you can use the calculations as a starting point to discuss the matter with a financial advisor.

Organizing Thy Bathroom

When sister-in-law came, I realized more that we need to organize our bathroom. Add some fixtures perhaps. Why you may ask. You see, without SIL, we are 5 in this home, 4 adults and 1 toddler. Each of us own a soap case, yes we do not share soaps. Ayex and mother-in-law have their own shampoo while me, hubby and father-in-law share in a bottle of shampoo and conditioner. Can you now imagine how things are placed in our bathroom? Then came SIL. When she came, another soap case and four bottles of shampoo and conditioner were added to what are currently in our bathroom. Still don’t get the picture?

I’ve already thought of organizing our bathroom and even told hubby about it already. We should get a bathroom organizer that we can mount on the wall so that all our paraphernalia can be found in just one place rather than being scattered all over the place. I already have a piece in mind but I still consulted Mr. G for some suggestions. I should have stick with the design in my mind because after checking Mr. G, I’m confused! Hahaha!

Apart from seeing various designs of different bathroom fixtures, I also stumbled upon designer radiators. I loved the designs although I’m not sure what they’re used for.

Among the designs I saw, this one attracted me the most, simple yet stylish.

Before I get a headache for looking at these classy bathroom pieces, I checked Mr. G for more information about these designer radiators.

Designer Radiators

They look like objects in a modern art gallery or perhaps the set of a sci-fi film. In fact they are central heating radiators. But these are not your ordinary radiators. Welcome to the fantastic world of designer radiators. These amazing creations allow you to decorate you home in the ambiance of your choice.

Modern designer radiators are not just accessories to keep your home warm. They are products to enhance your lifestyle through their imaginative design. You can choose exactly the style that complements your home whether flat panel, tube, column or vertical you can find something that perfectly sets off the colors, lighting and furnishings of all the rooms in your house. You can select wall or floor mounted units for perfect customization. And don’t forget they keep you warm and cozy too.

This blend of beauty and functionality is reflected in the choice of materials. No longer as you restricted to cast iron. A popular choice for the modern home is aluminum. Not only is aluminum a highly efficient heat emitter, but its finish can also harmonize with any surroundings.

Do we have this here in the Philippines? I think I want one for our bathroom!

What is your dream getaway?

I have been thinking lately, when will I be able to travel just like the way I foresee myself before? Definitely not anytime this year since by June, we’ll have a new bundle of joy at home. My hands will be full as I juggle a newborn and a pre-schooler all at the same time.

Now that I said that, maybe I can already think of the perfect reward to myself as early as now. What do you think? Besides, mommying is never too easy.

Actually, I already have an idea in mind. Given a chance, I would probably want to fulfill my dream getaway – a cruise with hubby and probably with the kids too. Or maybe just with hubby. I’m not yet decided though if I want an Asian Cruise or a Caribbean Cruise. What do you suggest?

I first fell in love with the idea of cruising when I watched All my Life starring Aga Muhlach and Kristine Hermosa. I think it is one luxurious experience best shared with your loved one/s. It could be our honeymoon since we didn’t have one yet.

If ever we push through, I will volunteer to do all the necessary planning because I already know where to get the best cruise deals available over the net. Hubby will surely be very pleased with me volunteering because he will just wait for all the itinerary and off we’ll go. Of course he will be the one to shell out the moolah for the expenses.

Yay, I blog as if we’re ready to go where in fact, we haven’t even talked about such things yet! Oh well, dream, dream, dream.