Your Questions About Check My Mortgage Repayments

Ken asks…

Canadian Economy Survey?

I am doing an essay on the Canadian Economy and its effect on the family. If you could please answer the questions to the best of your ability, it would be greatly appreciated.
Thank You,
( you can either copy paste the survey into Your answer or simply just answer with your selection)

Phase 3
Interview/ Survey
This Survey will be used in my Society & Families in a Diverse Society Independent Study Unit. The goal of this assignment is to investigate and analyse the current Canadian economy and its immediate and subtle effect on the countries families.
1.Sex: __ Male __Female

2.Age: __ 15-20 __21-25 __26-30 __31-35 __36-40 __41-45 __46-50 __51-55 __56+

3.Marital Status: __Married __Single __Divorced __ Common Law __Widowed

4.Annual Income: __ $0 – $19,999 __$20,000- $29,999 __$30,000-$39,999 __$40,000-49,999
__$50,000-$59,999 __$60,000-$69,999 __$70,000-$79,999 __ $80,000-$89,999
__$90,000-$99,999 __$100,000 +
5.How many children are in your family?

6.Do you feel that you and your family have been affected by the economic downfall?

7.In what way(s) have you been affected?
a.Less freedom with money
b.Job loss
c.Had to get a second/part time job
d.List any others;

8. Do you feel that your family is suffering from the recession?
a. No
b. Yes

9. If yes, why?

10. Who do you feel is to blame for the economic recession of the 2000’s and early 2010’s?
a. The Canadian Government & Politicians
b. Large Companies
c. Canadian Citizens
d. Other Country’s governments
Why do you believe your selected answer? __________________________________________________________________________________________________________________________________________________________________________
11. Has living in Canada become more expensive over the last 5 years?
a. Yes
b. No
12. What, if anything are you cutting back on these days? (Check all that apply)
__ Gas (less driving)
__ Morning Coffee
__ Vacations
__Other (please specify) _________________________
13. What is your number one priority when it comes to spending your money?
A. buying the essentials
B. paying off loans and debts
C. investing and saving for tomorrow
D. spending and enjoying your money

14. What has become the most burdensome expense in your household?
a. Mortgage
b. Car and Gas payments
c. Debts and Loan Repayment
d. Other
16. What are some of your strategies to save money for your family?

17. Reflecting on the past year, on a scale of 1 (being low) 10 (being high), how optimistic do you feel about our economy recovering?
1 2 3 4 5 6 7 8 9 10

18. How do you see the Canadian Economy doing in 5 years?
b.The Same
c.Slowly getting better
d.Astonishingly Better

19. Although the government has claimed the economic downfall is over, do you still think we are in a recession?
a. Yes, we are still suffering
b. Somewhat
c. No, we are recovering rapidly

18. Do you have any suggestion on how that government can stimulate the economy?


admin answers:

My suggestion on how to stimulate the economy is civic forum run banks answering to candian charter of rights and freedoms and allocating cash to green projects and health care.

Mary asks…

Help with programming in!!?

I am making a mortgage calculator using vb and i am stuck on one part! my monthly payments wont show up in the textbox but everything else is working here is my code:
‘Calculating the Monthly Repayments

gdecMonthlyRepayments = Val(txtMonthlyRepayments.Text)
gdecTotalMortgage = Val(txtTotalMortgage.Text)
gdecNoOfYears = Val(txtNoOfYears.Text)

If RadNo.Checked = True Then
gdecMonthlyRepayments = gdecTotalMortgage / (12 * gdecNoOfYears)
ElseIf RadYes.Checked = True Then
gdecMonthlyRepayments = gdecTotalMortgage / (11 * gdecNoOfYears)
End If

txtMonthlyRepayments.Text = FormatCurrency(gdecMonthlyRepayments)

my interest and total mortgage is coming up fine but this doesnt seem to be working i have everything declared in the module form! any help would be appreciated. also the radNo and radYes refers to the radio buttons which allows the applicant to take one month off during the year!
Private Sub btnCalculate_Click(ByVal sender As System.Object, ByVal e As System.EventArgs) Handles btnCalculate.Click
‘Declaring the variables
Dim decLoan As Decimal
Dim gintYears As Integer
Dim intFixedYears As Integer
Dim decFixedIntRate As Decimal
Dim decFixedInt1 As Decimal
Dim decVariableIntRate As Decimal
Dim decVariableInt1 As Decimal
Dim decInterestInt As Decimal
Dim gdecTotalMortgage As Decimal
Dim gdecMonthlyRepayments As Decimal

decLoan = Val(txtLoan.Text)
gintYears = Val(txtNoOfYears.Text)

If radOneYear.Checked = True Then ‘If one year radio buton is checked then you let the fixed years equal to one and the fixed rate is 0.049
intFixedYears = 1
decFixedIntRate = 0.049
ElseIf radFiveYear.Checked = True Then
intFixedYears = 5
decFixedIntRate = 0.0579
ElseIf radTenYear.Checked = True Then

admin answers:

You would need to post your FormatCurrency function, as this is what would be setting the value.

William asks…

What are my chances of getting a home loan with bad credit?

I mean BAD. We have 1 discharged ch.7( from 9yrs ago). we filed ch.13 about 3yrs ago to try to keep our house. We still lost it. And my husband lost his job so the repayment plan we were on stopped( he had $ taken out of his check), so they cancelled the bankruptcy. It has been financial hell for us for many years! Our house just got sent to auction last Aug! That was a three year gap! It shouldn’t have taken that long for the mortgage company to put us into foreclosure after they found out we were not including it in the bankruptcy. We live in a duplex and are having issues with our upstairs neighbor( she’s a ridiculously quiet hermit) and our landlord can be an jerk. He lives out of town and litterally told us he doesn’t like to be bothered with problems & would like for us to fix them ourselves. HELP! Need advice.

admin answers:

?snowball in hades!

Chris asks…

Credit & Credit Card question. Dad has 2 credit cards in his name only. Dad passed away last month.?

Since they were in his name only, is my mother responsable for paying off my fathers debt? If Mom does not pay Dad’s monthly credit card bill will this effect Mom’s credit? Mom is 82 Years old and might need a loan for funeral & burial costs & /or a reverse mortgage. Will not paying her husbands credit card debt adversly affect her credit & chances for a loan when needed? House has been in an irrevocable trust for 4 years. Mom has no assets . Minimal amount in savings $4000.00 with monthly $950.00 SOCIAL SECURITY CHECK & $400.00 pension check. That’s it .Nothing more & nothing else. Dad was the only name on the cards & if there were charges made to these cards while he was alive & were his wife’s or daughter’s charges are they responsible for repayment? Dad had also sighned a notorized letter stating that his daughter and wife has, had, and have the right to use and sign his name to the account now, and in the past and in the future. Now there are No charges after his death. Default?

admin answers:

Condolences on your loss.
Send a letter via certified mail to each company today. Real short…
My Father, Mr Smith passed away on October XX, 2007.
Please make sure these accounts are closed. My Father has no assets or estate.
Enclosed is a copy of the death certificate….
Or ….I do not yet have the death certificate, but will send that to you within the next X weeks.
1. No other person is responsible as they are not a co-borrower. No one elses credit will be impacted.
2. Do not make any payments, you are not required to.
3. Like you said DO NOT use the accounts.
4. It does not matter who used the accounts.
Like any other type of default, the lender writes the account off as a loss.

Paul asks…

Funding for Going Back To University UK?

I studied for an HND and graduated 12 years ago, this automatically gave me entry to year 2 of a BA hons degree. I only completed a few months due to personal reasons.
I have been offered a place at Uni to study for a BA Hons in another subject. As my first course was carried out in Scotland (no tuition fees there) will I be able to claim for funding in England?
My LEA couldn’t give me advice and when I checked the Direct Gov finance calculator I was told that I could receive help as I hadn’t applied for funding from Student Finance previously.
I have 2 mortgage style loans from Student Loans which have been deferred as I don’t earn enough to make repayments. I haven’t had a deferment form for some time as they went to my late mothers house so I may be in arrears with them.
I am a single parent to a 18 month baby and I would love to get my degree to get a better job and better lifestyle for us both.
Can someone please give me advice, genuine answers only please!
Many thanks
Some great advice given, some of it conflicting but I’ll call Student Finance England tomorrow and hopefully get a firm definite answer. Fingers crossed!

In response to the tip of working, I do work afternoons and would be studying over a couple of evenings. It will take longer to complete but won’t disrupt mine and my sons routine too much!

Thanks again for contact details and advice given.

admin answers:

Consider a professional and career development loan. Check sources for more info. Unfortunately, it is unlikely you will be able to qualify for Student Finance as you had already borrowed from them.. But I’m unsure as you do not have a first degree strictly speaking. Double check with them to make sure:

Student finance: 0845 300 50 90 (Monday to Friday, 8.00 am to 8.00 pm; Saturday and Sunday, 9.00 am to 5.30 pm)

Last, but not least, there is a charity to help young, single mums like you to get into training and development, called Family Action:

Check final source for Application Form for a grant. They can assist with things such as cost of childcare, travel & books etc.

Good luck

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