I am trying to decide what is best to start using my extra money to pay off…a student loan at 5.4%, an auto loan at 4.99% or a heloc at 7.75% I know student loans and heloc interest is tax deductible, but assuming these deductions don’t affect a change in bracket (tax rate) what is the calculated difference in interest saved (assuming 15% bracket) on whether to pay which of these three….(I guess I’ve always been told pay non-deductible first, but with these numbers I just don’t see how that adds up…and most importantly how do I actually calculate the real interest I’m paying on tax deductible interest so I can compare it to nondeductible rates…) thanks in advance for any help!
Posts Tagged ‘affiliate marketing’
Calculation question, what is better to pay off overall with consideration to tax deductions…?
Sunday, November 15th, 2009How can I get a $15,000 loan if I have horrible credit??
Monday, September 14th, 2009I own my home, have about ,000 in credit card debt and I am DROWNING. I can’t make my monthly payments and I really can’t think of any ways to get any extra cash in order to pay them. I was thinking about a home equity loan, but my credit is AWFUL! What do I do?!
Becoming an Equity Trader: is it necessary to pay for your own training?
Sunday, September 13th, 2009I went one a few interviews for Equity Trading positions. So far every interview lead to "you must complete a training program that costs 00-5000, and then you will be given capital to trade." My question is, is this a normal practice in the industry, or am I being suckered into a scam?
I have went to college and received a B.S. degree in Finance. No trading experience.
Can I borrow extra money on a new mortgage for home improvements? I don’t want an Equity Line of Credit.?
Tuesday, August 18th, 2009I am looking at buying a new house but I want to finish the basement. I would like to borrow that money along with the mortgage – not a 2nd mortgage and not an Equity Line of Credit. If I have the plans and a contract with a contractor to do the work, will the lender allow me to put that money right into the loan amount above the purchase price of the house??? Thanks in advance.
What should be easier to qualify for, HELOC or 1st Mortgage?
Friday, July 10th, 2009I own a house outright (no mortgages) and would like to pull money out. I would like to utilize a HELOC so that I don’t spend interest on money unless I am using it. My mortgage broker told me that the bank will only approve a 1st Mortgage in the specific amount, not a HELOC. So why would it make a difference whether I am pulling all the money out at once or gradually, when needed? Risk/rate wise, wouldn’t the bank want me to only use money slowly? Are they just wanting me to have to pay more interest when I really don’t have to?
thanks everyone for your answers. again, I understand what the difference between the two are, I’m just wondering why he said I would get approved for a straight mortgage and NOT a HELOC. the broker making nothing on the closing costs for the HELOC makes sense. thanks again
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