The HP 10BII business calculator has an algebraic entry system and a logical and intuitive keyboard layout with easy-to-read labels. The LCD screen features up to 12 characters on one line of text. Small and sturdy, this calculator is easy to slip into your backpack or briefcase and bring to class or your workplace.

HP offers a one-year warranty on the 10BII.

What’s in the Box
Calculator, user’s manual, installed batteries, and carrying case

Completely revised to reflect important changes in this year?s tax laws, J.K. Lasser?s 1001 Deductions & Tax Breaks 2012 will help you take advantage of every tax break and deduction that you may be entitled to. This comprehensive guide is clearly organized by subject matter so you can easily find situations that may apply to you.

Each tax benefit is also clearly explained?along with the eligibility requirements for claiming the benefit?while planning tips and common pitfalls associated with the benefit in question are discussed in detail. New tax law alerts are also included throughout the book, so you can make the most informed decisions possible.

• Discusses deductions and tax breaks with regard to your family, home, car, job, investments, retirement, medical expenses, charitable giving, health coverage, and much more
• Packed with hundreds of updated examples, practical advice, and real-world examples
• Explains tax changes that are set to apply after 2011 that may affect your planning decisions
• Includes a free online supplement at JKLasser.com, which contains up-to-the-minute tax law changes
• Other titles by Barbara Weltman: J.K. Lasser?s Small Business Taxes 2012

Filled with in-depth insights and expert advice, J.K. Lasser?s 1001 Deductions & Tax Breaks 2012 is a book every taxpayer should own.

Hazard insurance is mortgage talk, for insurance that covers your house if something happens to it. Homeowners insurance, is insurance talk, for the cheapest kind of policy, that covers your house if something happens to it.

So. Mortgage insurance is PMI, and hazard and homeowners insurance are sort of the same thing.

can someone save me from having to figure out how to use a spreadsheet again or doing this by hand?

thanks!

Ps if you don’t understand what I am asking, don’t answer, because there are many mortgage calculators that do not work for my needs.
No, the bankrate calculator will not work, it doesn’t ask what balance is left on my mortgage. I have consistently paid more than the minimum.

Below is a link that might help. It’s intended as a way to prioritize multiple debts, but you can just enter the one: current balance, interest rate, monthly payment. On the second tab, there’s a spot to enter additional payments going forward. Just like any other calculator, it will not be exact so check with your lender before making a final payment, but hopefully it will help

* I’m especially curious whether the Fed Chairman’s speech today would affect rates at all.

I realize no one knows for sure, but I would really appreciate you giving your best guess.

Lock in now, long term loan rates are going up.