This Widget provides current mortgage rate information at advantis credit union in Milwaukie, Oregon. advantis credit union makes 1st mortgage loans in Oregon and Washington. Membership to advantis credit union is available to anyone living, working, or is an organization located within Benton, Clackamas, Columbia, Hood River, Lane, Linn, Marion, Multnomah, Polk, Washington, and Yamhill counties in Oregon. An initial deposit of $5.00 is required to open an account.

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Lenogo DVD to iPod Converter + Video to iPod PowerPack: any video you watch on PC can be put on iPod. It converts almost all formats of video files that are already on your computer (AVI, MPG, MPEG, ASF, WMV, MOV, 3GP, AMR, FLV, FLIC, SWF, RM, RMVB etc.) and DVD movies into a format thats compatible with iPod video, that is, iPod mp4 format. The latest upgraded version 4.2 fully supports the files of Real Media versions 8, 9, 10, and Apples MOV files (compressed MOV files included) with channels 5.1, 6.1, 7.1..

Lenogo DVD to iPhone Converter + Video to iPhone Converter: any video you watch on PC can be put on iPhone. It converts almost all formats of video files that are already on your computer (AVI, MPG, MPEG, ASF, WMV, MOV, 3GP, AMR, FLV, FLIC, SWF, RM, RMVB etc.) and DVD movies into a format thats compatible with iPhone video, that is, iPhone mp4 format. The latest upgraded version 4.2 fully supports the files of Real Media versions 8, 9, 10, and Apples MOV files (compressed MOV files included) with channels 5.1, 6.1, 7.1..

This program is a version of an added payment schedule that demonstrates the effect of added payments to reduce the term of a loan and also reduce the amount of interest paid. It will run under Win 95, 98, XP, & 2000. By making additional principal payments when paying yourmonthly mortgage, you will reduce the term of the loan and gain equity in your home at a faster pace. If you decide to utilize this method of payment, be sure that the bank or other lending institution credits the amount against the principal of the loan each month. Printouts are professional looking and may be used by financial planners as they contain a "prepared by:" area and may be useful for advising a client on this method of mortgage payment by demonstrating to them the effect this type of payment has on the term of the loan as well as the total amount of interest paid..

Program Description: 15 VS 30 YEAR mortgage This program is a version that allows you to compare a 15 year mortgage with one that has a duration of 30 years. It will run under Win 95, 98, Me, NT4, XP,2000,& Vista. If you itemize deductions, then you know the IRS allows you to deduct mortgage interest. This subsidizing of a mortgage means you can receive credit for the increased interest you pay on a 30 year loan. The basic premise of this evaluation is that if the buyer could afford the monthly payments for the shorter term (and would invest the difference in monthly payments according to the instructions), at certain rates of return on the investment it would be more advantageous to obtain the 30 year mortgage. Printouts are professional looking and may be used by financial planners as they contain a "prepared by:" area. This program may also be useful to lending institutions in advising a client on the term of a mortgage..

Program Description: BALLOON AMORTIZATION This program is a version of a balloon payment schedule that demonstrates the effect of reducing initial payments and either making a large payment at the end of the balloon period or refinancing the loan. It will run under Win 95, 98, Me, NT4, XP,2000, & Vista. Bankers are currently touting mortgages with a one to five year balloon. What they dont tell you is that the interest is usually based on a 30 year term which, unless you know "THE NUMBERS" can result in a shock to your system. Printouts are professional looking and may be used by financial planners as the program contains a "prepared by:" area and may be useful to them in advising a client on this method of mortgage payment by demonstrating the effect this type of mortgage has on the term of the loan as well as the total amount of interest paid..

Program Description: BIWEEKLY AMORTIZATION THE BANKERS SECRET IS REVEALED!!! This program is a version of a biweekly payment schedule that demonstrates the effect of reducing the term and interest amount of a loan. It will run under Win 95, 98, Me, NT4, XP, 2000, & Vista. By making a loan payment every two weeks of half of the monthly payment, 26 payments are made each year. This program demonstrates the savings available to you if you pay your mortgage every other week instead of monthly and are CREDITED THE PAYMENT by the lending institution at the time of payment. Printouts are professional looking and may be used by financial planners as the program contains a "prepared by:" area and may also be useful to them in advising a client on this method of mortgage payment by demonstrating the effect this type of mortgage has on the term of the loan as well as the total amount of interest paid..

This program is a version of a standard loan payment schedule that may be used for any type loan where simple interest is the type used. It is not limited to mortgage loans. It will run under Win 95, 98, Me, NT4,XP,2000,& Vista. This program will calculate and print a complete amortization schedule for loans with any term from 1 to 30 years. The amount of interest paid during any calendar year is also calculated for your use at tax time. Printouts are professional looking and may be used by financial planners as the program contains a "prepared by:" area and may also be useful to them in advising a client on this method of mortgage payment by demonstrating the effect this type of mortgage has on the term of the loan as well as the total amount of interest paid..

Program Description: This program is a compendium of 8 mortgage type programs.They include: 1. Addedpmt.EXE - A program illustrating the effect of additional payments for reducing interest paid and the term of a loan. 2. Balloon.EXE - A program that explores the use of this type mortgage. 3. Biweekly.EXE - This program calculates and displays the reduced loan period with this type mortgage. 4. 1530mtge.EXE - A program that displays and lists the advantages and pitfalls of using this type of financing. 5. Loanamor.EXE - This program is a standard amortization schedule which displays annual interest paid for your use at tax time. It Can also be used for any simple interest loan with multiple payment periods. 6. Maxmtge.EXE - A mortgage qualifier for either a fixed- rate or variable-rate mortgage. It shows how large a mortgage you qualify for. 7. Refinanc.EXE - This program demonstrates advantages to refinancing your existing mortgage. Conditions under which you should consider refinancing are presented. 8. Varimtge.EXE - You can use this program to either investigate or track a variable-rate mortgage or to project the payout of this type mortgage..

Program Description: This program is a compendium of 8 personal finance type programs. They include: 1. Anpenpay.EXE - This program demonstrates the length of time an annuity or a pension payout will last conditioned on the amount of monthly payments to you and the interest that will be earned on the balance. 2. Autoloan.EXE - These calculators may be used to compare loan types, proposed "deals" and periods of financing as well as the effects of various interest rates. 3. Finastmt.EXE - This is a standard personal financial statement that is widely accepted in by banking and mortgage lender institutions. 4. Growmony.EXE - You may be overwhelmed by this time-value of money invested analysis. 5. Porteval.EXE - Track your investments in stocks, bonds, or mutual funds with this program. 6. Portfund.EXE - This program gives you a place to input the financial data for a given stock so that you might better forecast its performance. 7. Retirinv.EXE - You can calculate the amount of money you need to be investing monthly to provide a monthly withdrawal supplemented by Social Security, pensions, annuities or other income sources. 8. Savpengr.EXE - This program will calculate a complete annuitization schedule for regular deposits over a duration of up to 40 years..

Program Description: VARIABLE RATE mortgage Confused about ""Teaser Rates"", maximum annual interest rate increases and maximum interest rate for the term of the loan? This program is a version of a variable rate mortgage loan. It will run under Win 95, 98, Me, NT4, XP,2000,& Vista. This program demonstrates the worst-case scenario of a variable rate loan. This program also allows for an analysis of the effect of different loan rates applied over the length of the loan or it may be used to actually track a loan repayment. Check your forecasting ability with the "What If?" portion of this program. Printouts are professional looking and may be used by financial planners as the program contains a "prepared by:" area. Financial planners may also use this program to advise a client on the advisability of purchasing this type mortgage as opposed to a standard simple interest loan..

Lenogo DVD to iPhone Converter + Video to iPhone Converter: any video you watch on PC can be put on iPhone. It converts almost all formats of video files that are already on your computer (AVI, MPG, MPEG, ASF, WMV, MOV, 3GP, AMR, FLV, FLIC, SWF, RM, RMVB etc.) and DVD movies into a format thats compatible with iPhone video, that is, iPhone mp4 format. The latest upgraded version 4.2 fully supports the files of Real Media versions 8, 9, 10, and Apples MOV files (compressed MOV files included) with channels 5.1, 6.1, 7.1..

This program is a fixed sum annuity or pension payout schedule. This program will demonstrate the length of time your annuity/pension payout will last at an inputted monthly withdrawal and includes interest earned from CDs, money market accounts, savings accounts, or other ways you might invest your lump sum payout. What if? calculations can be made using various monthly withdrawals and rates of return on your invested lump-sum payout. Printouts are professional looking and may be used by financial planners as most programs contains a "prepared by:" area...

Annuity/Pension Payout+ v1.2 release is Minor Update.

This program is an added payment schedule that demonstrates the effect of added payments to reduce the term of a loan and also reduce the amount of interest paid. By making additional principal payments when paying yourmonthly mortgage, you will reduce the term of the loan and gain equity in your home at a faster pace. If you decide to utilize this method of payment, be sure that the bank or other lending institution credits the amount against the principal of the loan each month...

Added Payment Amortization+ v1.2 release is Minor Update.