Different Types of A Financial Calculator To Choose From

If you are making some financial goals for the future, whether it has to do with your mortgage, investments, car loans or even managing your debt, being able to calculate things like your returns, the time period for which you need to save or how much you need to save is important.

With the various resources now available to you via the internet, you no longer have to wait on a meeting with the experts to give you the information you need. Instead, you can now use the resources available to you online to get started today.

One of the most important resources that you will find online as it relates to planning your financial future is a financial or money calculator. There are many different types available, and so you will need to choose the one appropriate to you based on your area of interest.

Mortgage Calculator: This calculator can be used to determine your monthly payments based on the interest rate and terms of your mortgage. As a result, you will find that there are different versions of this calculator available. There is a calculator for fixed mortgages and also one for adjustable rate mortgages. There is even a calculator that will help you to compare the two different types of mortgages to see which will suit you best. In addition, if you are thinking about refinancing or buying a new home, there is a mortgage calculator that will help you to determine the terms which will be most favorable to your situation.

Car Loans: This calculator will help to give you the confidence you need when dealing with the dealer of your car financing. You can use this calculator to check the terms of your loan and determine your monthly payments. In addition, you can also use the car loan calculator to compare various loans and choose the one with terms most appropriate for you.

Credit Cards: Today many persons are consolidating their credit card debts in order to pay off their credit card loans faster and also to be more consistent. You can use this type of financial calculator to help you determine the amount that you will need to pay in order to complete the payment of your credit cards by a set date. You can also use this calculator to help you see the difference it will make if you choose to make fixed payments to your credit cards instead of just paying the minimum amount.

Investing: If you are thinking about investing or have started to do so, financial calculators will help you to determine the amount you need to save in order to reach your goal. It can also be used to determine the amount that your investment will earn over time.

There is also a calculator for retirement planning, managing your debt and your personal finance. Basically, any type of calculator that you need to plan your financial future can be found online. The calculators are also very easy to use and most of all they are free.

How To Read Jewelry Marks

The number markings on precious gold jewelry are a bit of confusion to lots of people. We are generally used to seeing a karat or silver mark like this: 10K, 14K, 18K, Sterling, etc. The numbers mean the same thing.

For 14k the number is technically 583 but most manufacturers adopted the European way and make 14k gold a tiny bit over 14k, so the mark is 585 in most 14k jewelry. 18K is marked 750. If the mark is valid and there is a makers mark also in the jewelry, the number means these items are 18k gold.

Here is where the numbers come from. Pure gold is called 24 karat. For 18k gold, there are 18 parts of pure gold mixed with other metals to make the metal suitable for use in jewelry. 24k is too soft alone to stand up or to hold stones well. 18 parts pure gold divided by 24, or 18/24 equals 750. That is where the number comes from. The jewelry is 75% pure gold, 750 parts gold with 250 parts other metals out of “1000″ parts. It is easier to think of it as a percent which is pure gold in the recipe.

Sterling silver is marked 925. Sterling is 92.5% pure silver and the rest is other metal, generally copper.

What does it mean if the ring marked 14K PR? The 14K simply means it is 14K (Karat) gold and because of the K means it would have been made in either South East Asia or The United States. The PR marks are just the Maker or Store ID or even a design mark, and have no relevance to the Value.

The basic decimal formula to work out the quality of gold content is quite simple, as they are all measured in ‘Parts per Thousand.’ This means that 9ct gold is calculated like this: 9 (for 9ct) is divided by pure gold (24) and then multiplied by 1000 (for pure gold as a decimal). ie: 9/24*1000=375 That 375 is the decimal quality for 9ct gold and is sometimes shown with a decimal point in front – .375

The old Victorian standard of 15ct gold is calculated the same way – 15/24*1000 = 625 (Not quite the numbers you have on your jewelry. Dental gold is 16ct or 666 recurring. But you can also reverse this formula by starting with the decimal and working back. ie: 375/1000*24 = 9

In your case we can use 698/1000*24 = almost 17ct

I have a platinum engagement ring and found a wedding ring that I really like but the band is made of palladium. Is it safe to wear these two metals together without one damaging the other?

It will wear the softer metal OVER TIME but that could take many years. My Grandmothers wedding ring eventually wore away the band of her engagement ring but it took over 20 years to do.

Platinum and Palladium and quite good together but I would take the advice of your local friendly jeweler and have them check both rings. Sometimes the Platinum may be a lower grade in order to make it harder – so have that checked.

Home Improvement Tips For Smart Homeowners

When making improvements to your home, often times small things can make a big difference. Below are six little tips that you may not have thought about, but could be quite helpful in your next home project.

1. Pick out a suitable height for wall outlets. Though most electricians place outlets 12 inches up the wall from the floor, many people find that height is not high enough to be convenient. As an alternative, consider whether 16 inches might be a better height for less bending, and to get the most out of power cord length for tabletop electric items such as lamps.

2. Use a stainless steel taping knife. Use a tool made out of this material for your sheetrock taping to minimize the amount of cleanup time that is needed after the project is done, and to limit any possibility of having rust forming on the knife, which will make it useless for future projects.

3. Recycle old electronics and appliances. Many electronics recycling establishments are popping up all over the nation and will take your out of date electric products for free disposal that is a lot more eco friendly than putting them in the trash to be put into the landfill. If they’re in working condition, see if a charitable organization will take them so that they can be used again for extended life before they’re recycled.

4. Be organized. Know about every major element, each step of the way through the remodeling process. This will help you to ensure that your contractors will all arrive on the right days for tasks to continue progressing. When your electrician arrives at the correct point, for example, it means that the building team won’t need to wait to put up the walls or ceiling.

5. Put in a dormer to turn your attic into livable space. By building a dormer or two into the attic space, a properly constructed attic will receive natural light and added height to make it a much more appealing room. This can give your home a whole new space like a home office, play room for the children, or even a guest bedroom.

6. Measure everything. There is no such thing as guessing or “eyeballing” a measurement when it comes to the perfect home renovation. More often than not, you’ll find that the way that something looked inside a huge store is quite different than the way that it will appear in your residence. You don’t want to end up getting a kitchen island that will consume every square inch of floor space, and returns are costly and time consuming.

It’s Easy To Buy The Perfect Gifts For Men With Extreme Adventures

It's a myth that buying gifts for men is hard. Just take a quick trip to the local department store or some other big shop and you can grab gifts for men in no time flat. In fact, it's very easy to buy ordinary gifts for men. Now comes the time for him to open the big gift. He does and what do you see on his face? Is it pure joy and anticipation or is he thinking "oh, same old thing." That's not the kind of reaction you were looking for, is it?

The real truth is that buying gifts for men is not hard, but buying GOOD gifts for men is hard. It really does not have to be. The way around this problem is to scratch off all those typical gifts off your list of gift ideas for men and replace them with unique adventures. Now you are moving beyond simply buying a gift to buying an experience. An experience is something that will last a lifetime since the memories of that special adventure will be etched in its memory forever.

Ok, so now you know the truth about buying good gifts for men and you agree that an adventure is the way to go. But what adventure? You have all sorts of options. If the person you are buying for is the type of man who likes to feel speed when he's behind the wheel of a car then the decision is easy. Go to your list of gift ideas for men and write down rally car driving experience. Below that write V8 supercar driving experience. If your guy is more the kind that wants to get his adventure on the high seas, pull out your list of gifts for men and jot down whitewater kayaking or jet boat riding experience. Or maybe your special someone is the type that prefers his excitation in the air. How about skydiving or parasailing. The point is when you buy gifts for men they do not have to be boring and ordinary. In fact, they can be absolutely spectacular.

All that's left now is to go to that list of gifts for men and make your final selection. Purchase the gift you have selected and wait for the fireworks when he opens his gift. If you can not decide which gift will be just right then you can still get him the gift of a lifetime. Just buy and open ended gift voucher and he can select the adventure that best suits his tastes. Either way, you have made his day.

No matter which man in your life you are buying for, adventure gifts for men are the perfect way to show him how much you care. They show real thought and a desire to get him something that he really wants. Somehow a necktie just does not stack up when compared to the adventure he's always dreamed of. Your gift will be the talk of the family as all the men in the family wish they were so lucky as to have someone who cares enough to purchase extreme gifts for men for them. So go ahead and splurge on your special man. You'll be glad you did.