Steps to Starting a Small Business


Free Financial Calculator

I can't tell you how many times I've looked for a Free Financial Calculator online and then forgot to bookmark it. So, I've put one on my own site and now you can...
Click Here To Bookmark This Page
! (Sometimes link will not work in Firefox)

The following mortgage and loan calculator gives amazingly beautiful, colorful and easy to read results. Try it now!

Powered by Loan Calculator

*Disclaimer; "Please use this free financial caculator for appreciable assets only."

So, what kind of answers did you get?

I hope you got what you needed. You know, most people who look for a free financial calculator online are looking for fast answers to financing questions.

The problem is; most people shouldn't be financing most of the things they're trying to finance. Things like; tv's, furniture, audio equipment, cars or even a diamond ring and not things you want to be financing!

Why is that?

Well, simply put; you should not be financing any kind of depreciable consumer goods. The truth is; if you can't pay cash for it, then don't buy it.

But, for some reason most people, in North America especially are financed to the hilt. And, that's basically why most people are in such a financial crisis (at least at the time this article was written in early 2009).

The reason many people are losing their homes to forclosure and their cars to the repo man is becaused they were over financed to begin with. It's not because they lost their jobs or business is down... it's because they didn't pay cash for consumer goods.

Here's the rule; if it appreciates in value then consider financing - if it depreciates in value then don't finance it, buy it with cash or don't buy it at all. A free financial calculator will not help you make better decisions when it comes to buying consumer goods. It will only lull you into thinking that you can afford something when the fact is; you can't.

Look at it this way; if you have to consider financing then you know you can't afford it. Period.

Of course, if you're buying a home that you know will increase in value, which is almost always the case, then go ahead and finance it. But finance within your means. Anyone who makes less than 150,000 dollars a year should not be buying million dollar homes.

But, for some reason many people in America did just that.

A free financial calculator should include this discalimer; "use this free financial calculator for appreciable assets only."

In fact, I think I'll do just that. If you look at the loan and mortgage calculator above you'll see that I've added that phrase. Good luck with it and here's to your financial success!

Paul Tobey
Street Smart Marketer


2005-2010 StreetSmart Marketer Paul Tobey
Helping business owners create programs that create new customers.

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