erin8u4l: personal finance money management

If you are having a tough time understanding the nitty gritty of your mortgage, like the total interest you’ll end up paying and the monthly payments you’ll need to make, then you might as well use this simple web based tool called the AmortizationLoanCalculator.

It asks you for the principal loan amount, the loan term and the annual interest rate and returns a table that’s an amortization schedule showing your periodic payments, what part of it is going towards paying the principal and the interest, and the overall interest you pay in the lifetime of the mortgage.

As you can see in the above screenshot, the table is pretty easy understand. The C Prin and C Int stand for cumulative principal and cumulative interest respectively.

Features

Online calculator for calculating loan payments and interest.
Simple interface; no sign up required.
Enter the principal amount, loan term and annual interest rate.
Amortization schedule with cumulative rates and amounts displayed.

Check out AmortizationLoanCalculator @ amortizationloancalculator.net/index.php (By Abhijeet from Guiding Tech)

Ever since Jane Mayer's recent New Yorker piece earlier this month, much of the media has risen to debate how much influence conservative and libertarian-leaning businessmen David and Charles Koch, the owners of Koch Industries, have in American politics.

Some critics of the article argue that the media cries foul over the Koch brothers, yet largely ignores liberal George Soros, the Hungarian-American currency speculator and stock investor, who has spent millions of dollars on liberal and nonpartisan causes (including the Center for Responsive Politics).

OpenSecrets Blog is here to investigate the numbers behind these bold-faced names in our new feature, Capital Rivals.

For starters, both Soros and the brothers Koch (pronounced "coke") are incredibly rich. And their political endeavors are numerous.

Koch Industries, an oil refiner, is the nation�s second largest private company with about $100 billion in annual revenue. Soros is chairman of Soros Fund Management, a highly successful hedge fund that has provided financial and investment strategies to a variety of funds. As of June 30, 2009, the hedge fund had holdings valued at $4.2 billion.

David and Charles Koch are tied at No. 24 on Forbes top billionaires list with a personal fortunes of $17.5 billion each. Soros is No. 35 on the list with a net worth of $14 billion.

The Koch brothers, Soros and their respective companies have spent millions of dollars on politics, ranging from federal lobbying to candidate support to bankrolling political committees, according to a Center for Responsive Politics review of their political activity.

The Kochs and Soros have also funded think tanks, foundations and political organizations -- money that is sometimes notoriously difficult to track.

These individuals aren�t exactly flying under the radar as the Kochs hold leadership positions and are featured on the websites for the Cato Institute, Reason Foundation and the Mercatus Center among others. Soros also runs the Open Society Institute -- website Soros.org -- as well as the recently created Institute for New Economic Thinking.

Still these individuals have provided major funding to groups that aren't particularly transparent, such as Soros-backed Democracy Alliance, which doesn't provide information on the projects it funds.

David Koch's Americans for Prosperity Foundation has a more detailed website, but it is unclear why Koch is seemingly uninvolved in the similar organization, Americans for Prosperity. David Koch contends that no Koch foundations have provided funding to Americans for Prosperity, the citizen advocacy group organizing Tea Party events around the country. A Washington Post article from January of this year connects the Kochs with the Tea Party movement, citing records of their foundation giving $3.1 million to Americans for Prosperity, but according to the Kochs, this is false, as the money only went to the Americans for Prosperity Foundation.

Below is the Center for Responsive Politics' analysis federal political activity by Soros and the Kochs. Note that while direct political donations are relatively easily to track, it's difficult to create a full compilation of the political groups that these individuals are connected with due to secondary and indirect affiliations. Therefore, the groups listed at the end of the are the most well-known organizations linked to these three individuals.

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erin8u4l

Friday, September 24, 2010

personal finance money management

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