A couple of folks have asked me the best way to calculate how different extra payments might affect their mortgage. I’ve got some schedules set up in excel that I use and save for future reference. If you aren’t that heavy into number crunching, bankrate.com has a useful tool to do this.
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I am working through Alexis de Tocqueville’s Democracy in America. As a twenty-five year old French aristocrat, Tocqueville came to the US in 1831 obstensibly to write about American’s penal system. He did indeed publish a book on this subject, but his two volume set on the politics, religion, press and class structure [...]
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Isaiah 9:6-7 (ESV)
6 For to us a child is born,
to us a son is given;
and the government shall be upon his shoulder,
and his name shall be called Wonderful Counselor, Mighty God,
Everlasting Father, Prince of Peace.
7 Of the increase of his government and of peace
there will be no end,
on the throne of David and over his kingdom,
to establish it and to [...]
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