Plat Forms

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Let’s say that you buy a house with a thirty-year mortgage of $150,000 at 8 percent. You will be scheduled to make 360 payments of $1,093.35, paying a total of $393,606 by the time your house is paid for. That interest can sure add up, to the tune of $243,606, over time. However, if you pay off this thirty-year mortgage in fifteen years, you will pay far less in interest. Your payments would be higher, $1,423.98 a month rather than $1,093.35, but since you would be paying them for only half the time, you would have shelled Out a total of $256,316 to own your house free and clear, or $137,290 less than if you did it over a thirty-year period of time. That’s quite a savings.
If this is something you’re thinking about doing, please make sure you consult a financial professional. There are other factors to consider—the present tax deduction on the interest from a primary-residence mortgage; what the $330.63 difference in monthly payments would add up to if you invested it well instead (and whether you would be disciplined enough to do it). This is an emotional decision, too, as well as a financial one: if you bought a house with a thirty-year mortgage at age forty, how would you feel knowing that those monthly payments would cease when you were fifty-five? Or when you were seventy?
Several other options are available to you as well. Sending in one extra mortgage payment per year, for example, and specifying that it be used against the principal will start to reduce a thirty-year mortgage. Asking your bank to withdraw half of your payment of $1,093.35 every two weeks from your account, rather than sending in the entire amount monthly, will pay off the thirty-year mortgage sooner as well.

Here are the questions to ask to determine the best money- market account for you:
What is the minimum deposit I need to open up the account? You can open a great account for about a $5,000 minimum.
1 What is the minimum balance, if any, required to keep it open? “None” is the answer you want to hear.
What is the yearly fee to have this account? The answer should be “Nothing.”
Does this amount apply even if I drop my balance down to $1? “Yes” would be a great answer, but if the answer is “No,” the fees should not cost more than $60 a year.
Am I required to purchase securities in order to maintain the account? If I don’t plan to do so, will you charge me a fee eventually? Some money-market accounts require you to make a transaction—buying a stock, buying into a mutual fund—in order to maintain the account or at least to maintain it for free if you don’t keep your balance above the minimum amount needed. Others don’t. This is not a big deal and may encourage you to test the investment waters (page 200), but if it makes you uncomfortable, the answer you want to hear is “No.”
%l Do you issue a debit card?
I Do you issue an ATM card? The answer should be “Yes,” or that you can use your debit card at ATMs.
J Are there fees if I use the ATM card? If so, they should be not more than a few dollars per transaction.
l Is there a maximum number of checks I can write every month? There shouldn’t be.
l Is there a minimum amount for which checks can be written? The answer should be “No.”
l Do you return my canceled checks or simply send me an itemized statement every month? Either way is okay, but most will just send you an itemized statement.
At the end of the year, do you give me a summary of every check I’ve written? “Yes” is the answer you want.
431 What interest rate are you currently paying, or what is your seven-day yield, or the amount in interest they have paid for the past week? The higher the better.
431 How do you credit this interest? “Daily” is the answer you want to hear.