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Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 63860
Registered: 05-2004
Posted From: 73.191.151.120
| | Posted on Saturday, August 12, 2017 - 10:09 am: |
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Gochi: Groupon anukuntaa, 2k legisinaai...
groupon kemi bagane vittu ayyindi gaa,
#Fidaa Audio Review
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Ravanabrahma
Celebrity Bewarse
Username: Ravanabrahma
Post Number: 25620
Registered: 06-2004
Posted From: 173.254.255.141
| | Posted on Saturday, August 12, 2017 - 9:25 am: |
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Gotcha
Kurra Bewarse
Username: Gotcha
Post Number: 1281
Registered: 01-2007
Posted From: 213.174.99.137
| | Posted on Saturday, August 12, 2017 - 4:37 am: |
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10k okasari katadam waste ani theory. Nuvvu 10k ekkuva katavu ani 3 months problems valla mortgage katalekapote bank vadu ayyo papam ani foreclosure notice pampakunda apadu. Aa 10k ki inko 5 k add chesi evaro partner to inko investment house konochu kada |
Sachinfan
Celebrity Bewarse
Username: Sachinfan
Post Number: 36564
Registered: 10-2010
Posted From: 172.58.184.146
| | Posted on Saturday, August 12, 2017 - 2:44 am: |
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Gosankul.. did you ever look into HELOC as primary mortgage? Very few banks offer this but with positive cash flow and a good strategy you can payoff mortgage in 5-7 years depending onthe cash flow..
Heloc kaadu gani similar approach tho i paid off 80% of my mortgage in 5 years.
Signature... inka edi decide kaaledu 
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Tingari_xx
Bewarse Legend
Username: Tingari_xx
Post Number: 53775
Registered: 08-2006
Posted From: 76.102.43.117
| | Posted on Saturday, August 12, 2017 - 1:13 am: |
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Gochi:ittaane oka 5k gamble chesi edo dakota stock konna, Groupon anukuntaa, 2k legisinaai
//If you want to be a Millionaire, start with a billion dollars and launch a new airline.//
alaage stock market kooda :D |
Kubang
Celebrity Bewarse
Username: Kubang
Post Number: 36855
Registered: 09-2011
Posted From: 161.141.1.1
| | Posted on Friday, August 11, 2017 - 1:15 pm: |
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Ajaatasatru:
its very dependent on individuals. interest and time spend chese theerika leni vaalaki stocks useless
Ignorance is bliss
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Ajaatasatru
Pilla Bewarse
Username: Ajaatasatru
Post Number: 667
Registered: 04-2016
Posted From: 209.67.156.8
| | Posted on Friday, August 11, 2017 - 12:12 pm: |
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Kubang:0 years nundi gambling chestha overall ga minus thappa positive ledu. enduku chepthunnano ardham chesuko.
meere ala ante ela Kubangjee.. we had this 30yr plan discussion earlier - ipudu good stocks in long term kosam konukkunte, u will see the returns in stocks - nothing can beat this...
brahma satyam jagan-mithyä jivo brahmaiva näparah
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Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 63856
Registered: 05-2004
Posted From: 134.244.29.2
| | Posted on Friday, August 11, 2017 - 11:40 am: |
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Kubang:ekkadayina okay gosba. akkada evarayina choosey vaallunte akkada, lekapothe ikkada kooda konukkovachu
India lo unna growth rate ikkada undadu gaa kubangesh,,
Ikkada depreciate kooda avutundi, time bad aithe
#Fidaa Audio Review
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Kubang
Celebrity Bewarse
Username: Kubang
Post Number: 36853
Registered: 09-2011
Posted From: 161.141.1.1
| | Posted on Friday, August 11, 2017 - 11:30 am: |
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Gochi: India lo naa land konaalsindhi...
ekkadayina okay gosba. akkada evarayina choosey vaallunte akkada, lekapothe ikkada kooda konukkovachu
Ignorance is bliss
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Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 63855
Registered: 05-2004
Posted From: 134.244.29.2
| | Posted on Friday, August 11, 2017 - 11:25 am: |
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Gochi:but 10 lo close ante chaala kindhaa meedhaa padaali...12 to 13 seems to be achievable
mee loan amount naaku double, so meeku kashtame, However maa kurrollu college ki vaste inka aa additional options kashtame..
Peddodiki ok set chesa oka amount kaani, ee chinnodiki set cheyyalante amount ettaaa ani thinking..
#Fidaa Audio Review
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Siloan
Kurra Bewarse
Username: Siloan
Post Number: 1160
Registered: 09-2008
Posted From: 65.24.38.103
| | Posted on Friday, August 11, 2017 - 11:23 am: |
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Kubang: thokkalo stocks/options don't think. 20 years nundi gambling chestha overall ga minus thappa positive ledu. enduku chepthunnano ardham chesuko.
thanks brother ..kanuvippu |
Gochi
Censor Bewarse
Username: Gochi
Post Number: 88577
Registered: 07-2004
Posted From: 159.53.110.142
| | Posted on Friday, August 11, 2017 - 11:23 am: |
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Kubang: dabbu migilithe land konukko.
ekkada, India lo naa land konaalsindhi... |
Kubang
Celebrity Bewarse
Username: Kubang
Post Number: 36852
Registered: 09-2011
Posted From: 161.141.1.1
| | Posted on Friday, August 11, 2017 - 11:18 am: |
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Gochi:unna appu ni reducing ekkado invest chesi kaalchukuntaamaney bhayam
vunna appu reduce chesuko, dabbu migilithe land konukko. neeku adi best, thokkalo stocks/options don't think. 20 years nundi gambling chestha overall ga minus thappa positive ledu. enduku chepthunnano ardham chesuko.
Ignorance is bliss
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Gochi
Censor Bewarse
Username: Gochi
Post Number: 88576
Registered: 07-2004
Posted From: 199.253.243.3
| | Posted on Friday, August 11, 2017 - 11:08 am: |
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Musicfan:Next year nunchi inko 100 add chesta.. target is to close the loan by 10 years.
same target naadhi kooda Rao gaaru...but 10 lo close ante chaala kindhaa meedhaa padaali...12 to 13 seems to be achievable |
Gochi
Censor Bewarse
Username: Gochi
Post Number: 88575
Registered: 07-2004
Posted From: 199.253.243.3
| | Posted on Friday, August 11, 2017 - 11:07 am: |
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Tingari_xx:options lo dook gosba. aa 10k ki inko 0 add avvatamaa, oka 1 povatamaa - telipothadi
 ittaane oka 5k gamble chesi edo dakota stock konna, Groupon anukuntaa, 2k legisinaai...stocks ey dobbalekapothe inkaa options koodaana...ika stocks/options joliki pokoodadhani decide ayyaa.... |
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 63853
Registered: 05-2004
Posted From: 134.244.29.2
| | Posted on Friday, August 11, 2017 - 10:48 am: |
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Kubang:you
nenu monthly payment XX13 to end aithe, I am rounding to nearest hundred
With this itslef, my loan period reduced by 22 months..
So instead of 15 years, it will end up early.
Next year nunchi inko 100 add chesta.. target is to close the loan by 10 years.
#Fidaa Audio Review
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Tingari_xx
Bewarse Legend
Username: Tingari_xx
Post Number: 53761
Registered: 08-2006
Posted From: 76.102.43.117
| | Posted on Friday, August 11, 2017 - 10:39 am: |
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Gochi:unna money elaa grow cheskovaalo thelavake, unna appu ni reducing
options lo dook gosba. aa 10k ki inko 0 add avvatamaa, oka 1 povatamaa - telipothadi |
Gochi
Censor Bewarse
Username: Gochi
Post Number: 88574
Registered: 07-2004
Posted From: 199.253.243.3
| | Posted on Friday, August 11, 2017 - 8:45 am: |
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Aviator:your 10k can earn more elsewhere..
antha thelive unte eppudo baagupadevollam kadhaa...unna money elaa grow cheskovaalo thelavake, unna appu ni reducing  ekkado invest chesi kaalchukuntaamaney bhayam |
Aviator
Pilla Bewarse
Username: Aviator
Post Number: 18
Registered: 04-2017
Posted From: 123.63.32.194
| | Posted on Friday, August 11, 2017 - 5:59 am: |
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Gochi:I am saving total interest of 5k over a period of next 12 years.
saving absolute terms lo chudatam not correct.
discount and see 'net present value of the savings.. andulo half undochu..
your 10k can earn more elsewhere.. |
Gochi
Censor Bewarse
Username: Gochi
Post Number: 88573
Registered: 07-2004
Posted From: 64.121.67.210
| | Posted on Thursday, August 10, 2017 - 9:06 pm: |
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Kindha calculator icchaa choodu, andulo oka additional payment of 30k esi choodu, u will see how much less interest you will be paying at the end of the term...adhi confusing gaa unte kubangji icchina link lo choodu...adhi kooda confusing anukunte, just tell me your interest rate and term(30yr/15yr) and i will calculate and will tell u... |
Gochi
Censor Bewarse
Username: Gochi
Post Number: 88572
Registered: 07-2004
Posted From: 64.121.67.210
| | Posted on Thursday, August 10, 2017 - 9:02 pm: |
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Interest eppudu remaining balance meedha calculate avuthundi brahmam baa...for example 4% interest rate anuko, monthly interest will be (4/12)*(1/100)*(387000) = $1290
Now what ever you are paying(assume your total monthly payment is $1,848) , in that 1290 will go towards interest and rest 558 towards principal..
Next month, your pending balance is 387k - 558 = 386,442
So interest is (4/12)* (1/100)*386,442 = 1,288
Nee payment of $1848 lo interest ki 1288 pogaa, principal ki 560 pothundi..alaa annamaata...simple interest calculation, divide by 12 bcos its monthly interest...
so basic gaa nee principal(balance) thagginchukunte nee interest kooda thagguthundi...oka saari extra 10k kattaavanuko aa additional money will go against the principal and thus ur balance and also corresponding interest will come down..interest thaggindhi kaani nuvvu monthly same payment kaduthunnav kaabatti u will finish paying off your mortgage much earlier... |
Kubang
Celebrity Bewarse
Username: Kubang
Post Number: 36843
Registered: 09-2011
Posted From: 24.64.245.215
| | Posted on Thursday, August 10, 2017 - 8:57 pm: |
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Ravanabrahma:
anything you pay in addition to scheduled payment goes straight into the principal amount. If you continue that way, You will end up paying off in less time instead of your original schedule. So overall you pay less in interest.
Ignorance is bliss
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Ravanabrahma
Celebrity Bewarse
Username: Ravanabrahma
Post Number: 25612
Registered: 06-2004
Posted From: 167.114.118.4
| | Posted on Thursday, August 10, 2017 - 8:32 pm: |
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denemma, nenu 387k loan thesukunte 2.8 years ki oka 15k koda asalu poledu anukunta. kiki. ela kattalo cheppandi. ippudu ee month oka 30k kadithe next nunchi interest ela calculate chesthadu vadu? |
Gochi
Censor Bewarse
Username: Gochi
Post Number: 88571
Registered: 07-2004
Posted From: 174.201.17.119
| | Posted on Thursday, August 10, 2017 - 7:34 pm: |
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Yup kubang ji...my aim is also to pay it off as soon as possible..chance dorikinappudu oka lumpsum amount extra pay chesthe u will finish it quickly and save interest money |
Kubang
Celebrity Bewarse
Username: Kubang
Post Number: 36842
Registered: 09-2011
Posted From: 184.151.222.152
| | Posted on Thursday, August 10, 2017 - 6:29 pm: |
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Gochi:
enni saarlu cheppi vuntanu ee db lo. Entha thindarga veelayithe antha fast ga additional payments cheyyali ani!! End of the day total money out of your pocket towards interest should be as less as possible. Thakkuva interest rate kabatti loan vunchi inka ekkado yedo better ga invest cheddam anukodam, I have seen quite a few who lost money.
Ignorance is bliss
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Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 63851
Registered: 05-2004
Posted From: 198.111.164.66
| | Posted on Thursday, August 10, 2017 - 5:04 pm: |
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Gochesh ittanti excels kuppalu unnayi, Its surprise that you are seeing them now..
#Fidaa Audio Review
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Gochi
Censor Bewarse
Username: Gochi
Post Number: 88570
Registered: 07-2004
Posted From: 199.253.244.2
| | Posted on Thursday, August 10, 2017 - 4:25 pm: |
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Proofdada:first mortgage katteppudu vaani allocation choosi vattax jaari...tharuvatha decide ayya America lo sampadichedhi America psale aythaay...eedhoo nelakarukui pay slip soosi aakul satisfaction kaani next day nee gunapam pains ani...
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Gochi
Censor Bewarse
Username: Gochi
Post Number: 88569
Registered: 07-2004
Posted From: 199.253.244.2
| | Posted on Thursday, August 10, 2017 - 4:23 pm: |
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Wanderer:wife and husband both sampadiste, wife or husband di one paycheck lo mortgage aipovali anta.
alaa aim cheyyaali kaani, its not possible in most of the cases...oka salary lo mortgage and monthly expenses anni cover avvali ante u need to downsize a lot in your home/mortgage...best example, naa cousin vaalla family both of them work...kaani 250k lo townhouse theesukunnaadu so they can cover mortgage and monthly expenses in one salary...I was against townhouse, so I went with single family costing around 375k..oka salary lo cover avvavu anni, we have to take out money from other salary too...appudappudu anipisthundi, I should also have taken a town home ani...
if u cannot cover everything in one salary then u need to have an emergency fund to cover mortgage upto 12 months....then u should be fine... |
Wanderer
Pilla Bewarse
Username: Wanderer
Post Number: 326
Registered: 05-2017
Posted From: 69.10.245.11
| | Posted on Thursday, August 10, 2017 - 4:13 pm: |
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Gochi:artham kaaledhu...
wife and husband both sampadiste, wife or husband di one paycheck lo mortgage aipovali anta. |
Gochi
Censor Bewarse
Username: Gochi
Post Number: 88568
Registered: 07-2004
Posted From: 199.253.244.2
| | Posted on Thursday, August 10, 2017 - 4:11 pm: |
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Wanderer:typical ga iddaru sampadiste. oka person di oka paycheck ee undali anta mortgage
artham kaaledhu... |
Wanderer
Pilla Bewarse
Username: Wanderer
Post Number: 325
Registered: 05-2017
Posted From: 69.10.245.11
| | Posted on Thursday, August 10, 2017 - 4:06 pm: |
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typical ga iddaru sampadiste. oka person di oka paycheck ee undali anta mortgage. maku oka paycheck saripovatledu, financial advisor kavalemo  |
Proofdada
Bewarse Legend
Username: Proofdada
Post Number: 150698
Registered: 03-2004
Posted From: 205.145.107.101
| | Posted on Thursday, August 10, 2017 - 4:04 pm: |
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>>these guys are making lot of money on interest
first mortgage katteppudu vaani allocation choosi vattax jaari...tharuvatha decide ayya America lo sampadichedhi America psale aythaay...eedhoo nelakarukui pay slip soosi aakul satisfaction kaani next day nee gunapam pains ani... |
Gochi
Censor Bewarse
Username: Gochi
Post Number: 88567
Registered: 07-2004
Posted From: 199.253.244.2
| | Posted on Thursday, August 10, 2017 - 4:04 pm: |
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Proofdada:ok goss bha...inthaku nuvvu monna Porsche kontivaa...
 Mazda CX5 dobbinchukunna ani seppinaa kadhaa...mazda is poor man's BMW.. |
Proofdada
Bewarse Legend
Username: Proofdada
Post Number: 150697
Registered: 03-2004
Posted From: 205.145.107.101
| | Posted on Thursday, August 10, 2017 - 4:02 pm: |
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ok goss bha...inthaku nuvvu monna Porsche kontivaa... |
Gochi
Censor Bewarse
Username: Gochi
Post Number: 88566
Registered: 07-2004
Posted From: 199.253.244.2
| | Posted on Thursday, August 10, 2017 - 4:01 pm: |
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ee calculators tho play chesthunte some findings are very interesting...naa case lo, if I pay one additional payment of 10k this year, I am saving total interest of 5k over a period of next 12 years...its a big amount I can save if I can make one payment....these guys are making lot of money on interest  |
Kubang
Celebrity Bewarse
Username: Kubang
Post Number: 36841
Registered: 09-2011
Posted From: 161.141.1.1
| | Posted on Thursday, August 10, 2017 - 3:58 pm: |
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Gochi:
ok, got it.
Ignorance is bliss
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Gochi
Censor Bewarse
Username: Gochi
Post Number: 88565
Registered: 07-2004
Posted From: 199.253.244.2
| | Posted on Thursday, August 10, 2017 - 3:57 pm: |
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Kubang:this is the simplest one..
andulo I cannot apply additional payments when ever I want kubang ji...what I am looking for is, for example, I paid 10k extra last April...and now again I am planning to put an extra 5k this August to my mortgage...then when will i complete my mortgage...idhi possible kaadhu meerinchina calculator lo...Lumpum payments should be annually made as per the claculator u gave and most calculators available online... |
Kubang
Celebrity Bewarse
Username: Kubang
Post Number: 36840
Registered: 09-2011
Posted From: 161.141.1.1
| | Posted on Thursday, August 10, 2017 - 3:53 pm: |
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http://www.truenorthmortgage.ca/tnm-calculators/prepayment-analyzer.html
this is the simplest one..
nuvvichina link lo konchem confusing ga vundi gochesh..
Ignorance is bliss
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Gochi
Censor Bewarse
Username: Gochi
Post Number: 88564
Registered: 07-2004
Posted From: 199.253.244.2
| | Posted on Thursday, August 10, 2017 - 3:49 pm: |
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https://www.mtgprofessor.com/mpcalculators/ExtraPaymentsCalculator/ExtraPayments 1.asp
idhi chaala baagundi...it will give u how much u can bring down the total interest/number of payments if you put additional money on to your loan...for example, 30 year term lo, what if I pay 10k this year, when will I end my mortgage...what if I put in 10k every year...or 10k this year,20k next year etc etc...its very nice and you can plan things accordingly..nenu vethikina annitlo most flexible calculator idhi |
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