Download or read book Pay Off Your Mortgage in 3 Years written by Eric Blankenstein and published by Independently Published. This book was released on 2019-04-18 with total page 103 pages. Available in PDF, EPUB and Kindle. Book excerpt: Think mortgage payments need to last for 30 or 15 years? THINK AGAIN. There is a lot of ignorance when it comes to mortgages. Most people are locked into long term mortgage payments without realizing how expensive this really is and how to break this "captivity" cycle. Do you have a mortgage? Is the cost of carrying your mortgage a hefty burden on your finances? If your answer is yes, you are not alone. You CAN take control of your mortgage, build equity faster and save years of mortgage payments and thousands in interest. This book will show you exactly what to do to eliminate your mortgage debt quickly. It's the simplest, most straightforward plan for changing your money habits and paying off your mortgage quickly. And it's based on results, not pie-in-the-sky fantasies I have used the same method to pay off my own mortgage faster (see chapter 7 for my story) - so can you! This book will guide you through straightforward, actionable advice that will help you get started no matter what your situation is You will learn: How expensive your mortgage really is. Why it is important to pay your mortgage faster Different ways to reduce the loan time frame and the total amount of interest paid in the long run Simple tricks to pay off your mortgage faster How remarkably different will be your financial situation once you pay your mortgage sooner. My own journey to pay off my mortgage in few short years. The complete proven 4-step system to pay off your mortgage quickly. All explained simply with tables and charts so you can understand exactly what to do . In addition, you will be given a link on our website to download for free our own Excel mortgage amortization spreadsheet so that you can calculate your own mortgage situation, comprehend where your money goes when you take a mortgage and chart your own game plan. THERE IS A BETTER WAY that each and every person can employ to save years of payments and thousands in interest. Let me help you free the long term shackles of your mortgage debt... and give you the tools and wisdom you need to pay off your mortgage fast Imagine the freedom you'll enjoy once you pay off your mortgage in few short years and how different your life will be. Scroll up and grab your copy today. You owe it to yourself and you owe it to your family!!

Download or read book Replace Your Mortgage written by Michael Lush and published by Createspace Independent Publishing Platform. This book was released on 2016-04-21 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: If you could pay off your mortgage in even a third of the time instead of waiting thirty years to pay it off, wouldn't you want to know how to do that? It's possible with the right home loan. While it may seem unbelievable, it comes down to math and a little education that banks prefer homeowners not know about. Michael Lush has spent fifteen years as a mortgage originator helping consumers get into their dream home. After speaking to a wealthy mentor of his, he then stumbled across how the wealthy finance their homes using lines of credit. Along with his co-author, David Dutton, Lush now teaches future homeowners, present homeowners as well as successful real estate investors how to use a simple home equity line of credit to pay off a home in 5-7 years. In this book you will learn: - The case against a mortgage from a 15 year mortgage veteran. - Why making extra payments on a mortgage vs a HELOC is still slower and also locks your money up until you sell your home. - 2 important reasons why this strategy isn't more well known. - How to pay off a home faster even if you have very little equity. - 5 powerful resources that will help you get started quickly to becoming mortgage free. - Pros and Cons of a HELOC - The deadly mistakes homeowners make when using a HELOC - How to build a real estate empire. - How to buy a vacation home and pay it off quickly (See chapter 9) Before you even think about signing on for a thirty year mortgage, you owe it to yourself to read this book as well as check out their popular Youtube channel.

Download or read book How to Pay Off Your Mortgage in 5 Years written by Clayton Morris and published by Createspace Independent Publishing Platform. This book was released on 2017-07-08 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: What would your life be like if you had no mortgage? How free would you be to live a different life? In this book Clayton and Natali Morris help you beat the system by paying down your home loan and saving hundreds of thousands of dollars in interest payments along the way. This step-by-step system only works with understanding and a disciplined plan. Clayton and Natali give you just that by breaking it all down for you in this book. They arm you with the knowledge and inspiration to free yourself from the dead weight of your mortgage so that you can enjoy your monthly income however the heck you want to! Clayton and Natali Morris met while working as TV news broadcasters. Clayton has been a news anchor for over 15 years and Natali has worked for CBS and NBC for most of her career. In 2010 they started a family and got serious about building legacy wealth for their three children, Miles, Ava, and Eve. They podcast, write, and speak around the world about personal finance and financial empowerment in order to help other families like theirs employ the skills they have learned along the way to attain true financial freedom.

Download or read book Wallet Activism written by Tanja Hester and published by BenBella Books. This book was released on 2021-11-16 with total page 254 pages. Available in PDF, EPUB and Kindle. Book excerpt: 2022 NATIONAL INDIE EXCELLENCE AWARDS FINALIST — SOCIAL/POLITICAL CHANGE • 2022 ASJA ANNUAL WRITING AWARD WINNER — SERVICE • 2022 NAUTILUS BOOK AWARDS GOLD MEDALIST — SOCIAL CHANGE & SOCIAL JUSTICE • 2022 AXIOM BUSINESS BOOK AWARD GOLD MEDALIST — PHILANTHROPY/NONPROFIT/SUSTAINABILITY How do we vote with our dollars, not just to make ourselves feel good, but to make a real difference? Wallet Activism challenges you to rethink your financial power so can feel confident spending, earning, and saving money in ways that align with your values. While we call the American system a democracy, capitalism is the far more powerful force in our lives. The greatest power we have—especially when political leaders won’t move quickly enough—is how we use our money: where we shop, what we buy, where we live, what institutions we entrust with our money, who we work for, and where we donate determines the trajectory of our society and our planet. While our votes and voices are essential, too, Wallet Activism helps you use your money for real impact. It can feel overwhelming to determine “the right way” to spend: a choice that might seem beneficial to the environment may have unintended consequences that hurt people. And marketers are constantly lying to you, making it hard to know what choice is best. Wallet Activism empowers us to vote with our wallets by making sense of all the information coming at us, and teaching us to cultivate a more holistic mindset that considers the complex, interrelated ecosystems of people and the planet together, not as opposing forces. From Tanja Hester, Our Next Life blogger and author of Work Optional, comes the mindset-shifting guide to help you put your money where your values are. Wallet Activism is not a list of dos and don’ts that will soon become outdated, nor does it call for anti-consumerist perfection. Instead, it goes beyond simple purchasing decisions to explore: The impacts a financial decision can have across society and the environment How to create a personal spending philosophy based on your values Practical questions to quickly assess the “goodness” of a product or an entity you may buy from The ethics of earning money, choosing what foods to eat, employing others, investing responsibly, choosing where to live, and giving money away For anyone interested in leaving the world better than you found it, Wallet Activism helps you build habits that will make your money matter.

Download or read book A Wealth of Common Sense written by Ben Carlson and published by John Wiley & Sons. This book was released on 2015-06-22 with total page 231 pages. Available in PDF, EPUB and Kindle. Book excerpt: A simple guide to a smarter strategy for the individual investor A Wealth of Common Sense sheds a refreshing light on investing, and shows you how a simplicity-based framework can lead to better investment decisions. The financial market is a complex system, but that doesn't mean it requires a complex strategy; in fact, this false premise is the driving force behind many investors' market "mistakes." Information is important, but understanding and perspective are the keys to better decision-making. This book describes the proper way to view the markets and your portfolio, and show you the simple strategies that make investing more profitable, less confusing, and less time-consuming. Without the burden of short-term performance benchmarks, individual investors have the advantage of focusing on the long view, and the freedom to construct the kind of portfolio that will serve their investment goals best. This book proves how complex strategies essentially waste these advantages, and provides an alternative game plan for those ready to simplify. Complexity is often used as a mechanism for talking investors into unnecessary purchases, when all most need is a deeper understanding of conventional options. This book explains which issues you actually should pay attention to, and which ones are simply used for an illusion of intelligence and control. Keep up with—or beat—professional money managers Exploit stock market volatility to your utmost advantage Learn where advisors and consultants fit into smart strategy Build a portfolio that makes sense for your particular situation You don't have to outsmart the market if you can simply outperform it. Cut through the confusion and noise and focus on what actually matters. A Wealth of Common Sense clears the air, and gives you the insight you need to become a smarter, more successful investor.

Download or read book Burn Your Mortgage written by Sean Cooper and published by Copper Coin Books. This book was released on 2017-02-08 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: Sean Cooper made headlines around the world when he paid off his mortgage at 30 on a house he bought just three years prior. In Burn Your Mortgage, Cooper-an acclaimed personal finance expert-clearly lays out his secret to success: simple yet effective lifestyle changes that anyone can make to pay down their mortgage sooner.

Download or read book Killing Sacred Cows written by Garrett B. Gunderson and published by Greenleaf Book Group. This book was released on 2008 with total page 250 pages. Available in PDF, EPUB and Kindle. Book excerpt: Our culture is riddled with destructive myths about money and prosperity that are severely limiting our power, creativity, and financial potential. In "Killing Sacred Cows", Garrett B Gunderson boldly exposes ingrained fallacies and misguided traditions in the world of per-sonal finance. He presents a revolutionary perspective that can create unprecedented opportu-nity and wealth for individuals. Our financial lives are intimately connected to our societal contributions, and we must be financially free in order to achieve our fullest potential. Yet most people are held captive in their financial lives by misinformation, propaganda, and lack of knowledge. Through well-reasoned arguments and pitiless logic, Gunderson attacks these sacred cows with revelatory insights, such as: High returns without high risk; "Security" without a corporate job; Debt that increases your financial productivity; Enjoying your money instead of waiting for retirement. "Killing Sacred Cows" is a must-read for brave individuals willing to question common assumptions and teachings, overcome the herd mentality, break through financial myths, and live a purpose-ful, passionate, and prosperous life. Investors seeking financial advice in The Little Book That Makes You Rich will find this to be a must-read for anyone who wants to achieve their financial potential today.

Download or read book The Money Mentor written by Graeme Holm and published by Evolve Global Publishing. This book was released on 2019-10-01 with total page 179 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Money Mentor is my take on the classic self-help book - with one major difference: It's a bullshit-free zone! If you're reading this, it's because you've recognised that your finances need help. Either that or your kids gave you the book as a Christmas stocking-filler, it's pouring with rain and there's nothing on telly this afternoon. Seriously, however you got here isn't important. The important thing is - you're here. Right here, right now is where you start getting control of your finances. This is where you stop throwing money away like it's going out of fashion and start saving. This is where your financial worries start to lessen. This is where you and your family begin to get ahead in the game. What I do is very straightforward - I help ordinary Mums and Dads burdened with standard 30-year home loans, pay off those loans within 7 to 10 years. Yes, you read that correctly - you can be mortgage-free in 7 to 10 years simply by following a plan that we create together. It's not magic. There's no smoke and mirrors. It's not even a secret how we can do this together. In fact, I call it the 'not-so-secret, secret', because anyone can do it. Together, we examine your lifestyle and make a detailed assessment of your living expenses. Using that information, we then give every single dollar of your family's monthly income a specific purpose and structure it within a realistic budget. And guarantee to pay the loan off in 7 to 10 years. Paying your home loan off over 30 years is bullshit! It's the biggest rip-off. When you're sitting in your bank, arranging your home loan, their entire focus is on the minimum monthly repayment. That just means they're forecasting their juicy profits over a 30-year period. Profits that you're paying for. We can even pay off that 30-year loan earlier in some cases. One of our records is having cleared a mortgage in only 3.5! Mortgage-free in three and a half years - wouldn't everyone love to be in that position? Our aim is to disrupt the passive, inherited way of thinking encouraged by the banks and to completely change traditional Mum and Dad psychology. Not with idealistic nonsense and impossible to achieve pie-in-the-sky advice aimed at solving unrealistic or non-typical situations. This book is packed with proven, practical and realistic strategies that work. If you and your family follow the process that we all agree to in the beginning, you will achieve the results we predict at the start. Guaranteed!

Download or read book The White Coat Investor written by James M. Dahle and published by White Coat Investor LLC the. This book was released on 2014-01 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: Written by a practicing emergency physician, The White Coat Investor is a high-yield manual that specifically deals with the financial issues facing medical students, residents, physicians, dentists, and similar high-income professionals. Doctors are highly-educated and extensively trained at making difficult diagnoses and performing life saving procedures. However, they receive little to no training in business, personal finance, investing, insurance, taxes, estate planning, and asset protection. This book fills in the gaps and will teach you to use your high income to escape from your student loans, provide for your family, build wealth, and stop getting ripped off by unscrupulous financial professionals. Straight talk and clear explanations allow the book to be easily digested by a novice to the subject matter yet the book also contains advanced concepts specific to physicians you won't find in other financial books. This book will teach you how to: Graduate from medical school with as little debt as possible Escape from student loans within two to five years of residency graduation Purchase the right types and amounts of insurance Decide when to buy a house and how much to spend on it Learn to invest in a sensible, low-cost and effective manner with or without the assistance of an advisor Avoid investments which are designed to be sold, not bought Select advisors who give great service and advice at a fair price Become a millionaire within five to ten years of residency graduation Use a "Backdoor Roth IRA" and "Stealth IRA" to boost your retirement funds and decrease your taxes Protect your hard-won assets from professional and personal lawsuits Avoid estate taxes, avoid probate, and ensure your children and your money go where you want when you die Minimize your tax burden, keeping more of your hard-earned money Decide between an employee job and an independent contractor job Choose between sole proprietorship, Limited Liability Company, S Corporation, and C Corporation Take a look at the first pages of the book by clicking on the Look Inside feature Praise For The White Coat Investor "Much of my financial planning practice is helping doctors to correct mistakes that reading this book would have avoided in the first place." - Allan S. Roth, MBA, CPA, CFP(R), Author of How a Second Grader Beats Wall Street "Jim Dahle has done a lot of thinking about the peculiar financial problems facing physicians, and you, lucky reader, are about to reap the bounty of both his experience and his research." - William J. Bernstein, MD, Author of The Investor's Manifesto and seven other investing books "This book should be in every career counselor's office and delivered with every medical degree." - Rick Van Ness, Author of Common Sense Investing "The White Coat Investor provides an expert consult for your finances. I now feel confident I can be a millionaire at 40 without feeling like a jerk." - Joe Jones, DO "Jim Dahle has done for physician financial illiteracy what penicillin did for neurosyphilis." - Dennis Bethel, MD "An excellent practical personal finance guide for physicians in training and in practice from a non biased source we can actually trust." - Greg E Wilde, M.D Scroll up, click the buy button, and get started today!

Download or read book Financial Peace written by Dave Ramsey and published by Lampo. This book was released on 2002-01-01 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt: Dave Ramsey explains those scriptural guidelines for handling money.

Download or read book One Rental at a Time written by Michael Zuber and published by Independently Published. This book was released on 2019-01-17 with total page 170 pages. Available in PDF, EPUB and Kindle. Book excerpt: Have you ever thought about real estate investing as a path to financial freedom? Have you kicked around the idea but felt you were too busy with work and family responsibilities?If so, One Rental at a Time will transform your life, just as it has transformed my life and the lives of thousands of others.This book reveals how buying and holding rental properties will create a second income that can, in time, allow you to quit your day job. It worked for me and it can work for you too. What's stopping you? Read the book and learn how One Rental at a Time can lead to financial independence.

Download or read book Mortgage Free written by Heidi Farrelly and published by . This book was released on 2016-09-30 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: Would you like to pay off your home sooner, and spend your life doing what you love instead of chained to a mortgage?Mortgage Free will teach you how to write an awesome budget, save a deposit even on a low income, pay off your home fast, and nail your retirement planning. Learn how to smash your mortgage, and take back your future today.

Download or read book How to Pay Off Your Mortgage Early written by Business With Joe and published by . This book was released on 2020-03-25 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt: Do you really want to be paying your mortgage for 25 years or more?Of course you don't, We'll show you how to pay it off quicker.Most people are locked into 25 or even 30-year mortgage payments without realizing how expensive they really are.The lenders make like this because they make more money if you believe this is the only way.You CAN take control of your mortgage, pay it off sooner and save years of mortgage payments and thousands in interest.This book will show you exactly what to do to eliminate your mortgage debt quickly. However, unlike other books we don't promise "pay your mortgage off in 3, 5, 7 years" because everyone is different.What we will do though is give you the tools to achieve the goal of paying off your mortgage early however you decide to proceed.This book will give you straightforward, actionable advice that will help you get started no matter what your situation is.You will learn: -How expensive your mortgage really is.-Different ways to reduce the loan time frame and the total amount of interest paid in the long run-Simple tricks to pay off your mortgage faster-How different your financial situation will be once you pay your mortgage off.Financial freedom is within everyone's grasp you just have to realize your potential and go for it. This boom will give you sound advice that will lead you to shake off your mortgage debt.Imagine the freedom you'll enjoy once you pay off your mortgage in few short years and how different your life will be.You can have results or excuses but you can't have both

Download or read book A Practical Guide to Paying off Your Mortgage Early written by Lien Luu and published by Taylor & Francis. This book was released on 2024-10-22 with total page 108 pages. Available in PDF, EPUB and Kindle. Book excerpt: Owning a property is a dream for many people, and borrowing from banks is often essential to achieve this. However, having a mortgage can cause real anxiety because of the latent fear of losing our home if we cannot keep up with mortgage payments. Traditionally, homeowners repay their debt over 25 years, but high house prices have made it necessary to increase the term up to 40 years to make monthly payments affordable. Spreading the debt over a longer period of time not only means that borrowers have to pay more interest, but they are also exposed to other risks such as potential interest rate rises and changes in personal circumstances affecting their mortgage eligibility. These can lead to financial worries, financial stress, and reduced well-being. There are few practical guides available to show borrowers how to manage their mortgage debt more effectively, and how to repay their mortgage quickly so that they are debt-free. This book seeks to empower consumers, young and old, by providing a roadmap to help borrowers achieve financial security through planning for the future, insuring their income, and setting up an emergency fund. It also outlines simple strategies for an early repayment of debt, including paying off the capital, making extra payments, and monitoring their mortgage debt. In doing so, it aims to help readers improve their general well-being, enhance their financial security, reduce their financial worries, and eliminate their ‘mortgage insomnia’.

Download or read book Mortgage Free written by K. Elizabeth and published by Createspace Independent Publishing Platform. This book was released on 2016-03-17 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt: **MORTGAGE PAYOFF, MORTGAGE FREE, DEBT FREE GUIDE & RETIREMENT PLANNING** **Two Budgeting & Money Management Bonus Books Included!** Our goal was the type of goal people roll their eyes at. It was the type of goal that most working-class families fear and dread. It was the type of goal many optimistic households envision but all too often struggle to accomplish. It was the type of goal that puts a crippling amount of pressure and stress upon thousands and thousands of hard-working families and couples across the world. My family's goal was to become 100% mortgage and debt-free in 5 years. Our aggressive goal changed our lives, but not in the way many people would probably think. We Paid Off Our $375,000 Mortgage in Less Than 5 Years! 12 Proven and Effective Tips We Learned That Will Help You Become Mortgage-Free Fast Without Sacrificing Your Lifestyle is for the hard-working individual, couple, or family who feel financially insecure because of the mortgage or debt that ominously looms over their head. It's for any household that desperately seeks to rid themselves of a mortgage or debt, but is unsure of how to successfully do so. It's for anyone-everyone-who wants to pay off their mortgage or debt efficiently and successfully, but without sacrificing the lifestyle they've grown accustomed to. Having personally found immense success with the mortgage pay-off process, this book will take each and every reader through my family's personal experience of paying off our mortgage. Along the way, you'll discover all the little secrets and simple steps we owe the majority of our success to. In this book, you'll discover unique and invaluable chapters that: Introduce the foundations of tackling this endeavor-adopting, fostering, and constantly applying particular mindsets of success. Provide direction on what you'll need to do before actually getting started-how to dedicate time to imaginative self-reflections (an immensely powerful tool that ignites your motivation) and how to do some quick but crucial income and expense calculations. Outline how to set aggressive yet realistic goals, timelines, and action plans, along with simple ways to adjust, plan ahead, and see the progress you've already made. Suggest simple yet highly effective ways in which anyone can increase their income during this process-both online and offline-so that this oftentimes overwhelming task becomes a minor part of your financial routine. Detail what part of your debt or mortgage you should pay off first, why it's important, and how anyone can do it without wanting to pull their hair out. Explore the refinancing process and how your family can find success. Discuss how to actually begin the pay-off process by first tackling the dreaded principal. Aside from learning about the basics of the principal, you'll also discover a few excerpts from my personal journal that show just how effective the principal pay-off truly is. Provide a heads-up on what you're sure to encounter as you tackle this challenge, along with personal advice on how to overcome any minor set-backs you experience. Introduce incredibly simple money-saving techniques and activities that'll dramatically help your family maintain the life you're accustomed to, and even find some spare money for well-deserved family vacations.

Download or read book How to Pay Off Your Mortgage in 6 to 8 Years written by Joe Correa and published by Createspace Independent Publishing Platform. This book was released on 2018-05-30 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt: How to pay off your mortgage in 6 to 8 years: Wealth habits of the rich that will save you thousands By Joe Correa Learn from an industry expert as he teaches you the secrets behind paying off your mortgage debt sooner and saving thousands in the process. His unique approach towards eliminating debt will change how you look at debt and how you can make a change for the better. Paying off your mortgage can be one of the hardest things you will ever have to do but learning how to pay it off sooner will save you thousands over time. This is an important decision when trying build wealth and organize your home finances. If you don't know how to get started this book has the solution. It's full of valuable ideas and examples that others have used to eliminate their mortgage debt in just a few years. You will learn how to minimize expenses and plan your pay off strategy in an organized and practical manner. What do banks offer as a solution? Most banks only give you one option which is basically to send your payment every month for the next 30 years. Yes, you will have paid off your mortgage by then but there's a better way. A faster way and easier way that requires simply planning for what needs to be done. Why is paying off your mortgage important? Having a 30 year mortgage can be a blessing and a headache at the same time. Most people finance their first home while in their 30's which means they will finish paying off their mortgage in their 60's if not later. When you finally pay it off, you will have eliminated one of your largest monthly payments and you can now start saving a lot more than before. Guess what? You are around retirement age or coming close to it so what will happen to your income? For some, it will remain the same. For others, it will decrease slightly. And for many, it will disappear and you will have to live off your retirement savings for however long they last. Having less expenses sooner than later will equate to more savings for years to come and having less payments to make will reduce the financial burden when you have retired. Taking proactive steps towards paying off your mortgage sooner will change your life. It will allow you to free up time to do what you really want to do and work less. Pay off your mortgage and start living the life you have always wanted! Go on vacation, spend time with loved ones, or start a new business. Joe Correa has been in the mortgage industry for years and his knowledge will change your life. Don't wait to learn, start now and save thousands.

Download or read book Pay Off Your Mortgage Early With Excel Create an Optimal Payoff Plan for Your Income written by Tim Hill and published by . This book was released on 2019-12-04 with total page 162 pages. Available in PDF, EPUB and Kindle. Book excerpt: The immense power of compound interest is such that adding a small amount of extra principal to each of your mortgage payments will result in thousands (or tens of thousands) in interest savings over the life of your loan. Using only high-school mathematics, Tim Hill provides clear and readable lessons that you can use to understand and pay down your mortgage by using Microsoft Excel (or any spreadsheet software). This entirely practical guide teaches you how to use worksheet functions, array formulas, data tables, and other spreadsheet features to manage your business and personal finances. You'll also learn the auxiliary skills needed to create and maintain financial spreadsheets: rounding numbers, date and time arithmetic, summing and counting values, and more. Plenty of examples show you how to use these tools for any type of debt or savings: mortgages, student loans, leases, credit-card debt, car payments, medical expenses, annuities, and retirement funds. You can download the sample workbooks to follow along with the author's examples and calculations. Covers all versions of Excel. Learn about basic financial concepts, including cash flows, timing issues, and the time value of money. Compute the payments needed to pay off a loan or to meet an investment target. Separate the interest and principal portions of your mortgage or loan payments for tax purposes. Convert between the commonly used methods of quoting interest rates. Create amortization schedules to see how your debts change over time. Build summary tables to compare loans that have different interest rates, loan amounts, or payment terms. Derive the true interest rate of your investments or loans, including "interest-free" loans. See how much time it will take to pay off a loan, meet an investment target, or retire. Determine how much to invest now to meet a future goal. Calculate how money will accumulate in your retirement or savings accounts. Contents Part I - Loans & Mortgages 1. Getting Started with Loans & Mortgages 2. Present Value (PV) 3. Future Value (FV) 4. Payments (PMT) 5. Interest Rates (RATE) 6. Periods (NPER) 7. Interest and Principal Components 8. Converting Interest Rates 9. Loan Amortization Schedules 10. Summarizing Loan Options Part II - Dates & Times 11. Getting Started with Dates & Times 12. Date & Time Basics 13. Date & Time Functions 14. Date Tricks 15. Time Tricks Part III - Sums & Counts 16. Getting Started with Sums & Counts 17. Counting Basics 18. Counting Tricks 19. Frequency Distributions 20. Summing Basics 21. Summing Tricks About the Author Tim Hill is a statistician living in Boulder, Colorado. He holds degrees in mathematics and statistics from Stanford University and the University of Colorado. Tim has written guides for Algebra, Trigonometry, Geometry, Precalculus, Calculus, Permutations & Combinations, Debt, and Excel Pivot Tables. When he's not crunching numbers, Tim climbs rocks, hikes canyons, and avoids malls.