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If you own your own home or are planning to buy a home, you should become very familiar with a great little tool called a mortgage calculator. A mortgage calculator is an online tool that tells you a lot of information about your mortgage. You can use a calculator to figure interest payments, house payments and much more. If you use the amortization option on a mortgage calculator, you can view each and every mortgage payment due. You can even see what affect making extra payments will have on your mortgage.

When you first start paying on your mortgage, the majority of your payment will be going toward interest. It is not until the end of your loan that you actually start really paying down the principle balance. A mortgage calculator will help you see exactly where your money will be going before you take out a loan. If you already have a mortgage, a mortgage calculator will show you how your payments will be distributed throughout repayment.

You can also use a mortgage calculator to see how making extra payments toward principle will affect your loan. For example: If you have an 8%, 30 year mortgage for $100,000, you will pay back $264,153. A huge chunk of that amount, $164,153, will go toward interest. Using a mortgage calculator, you can see how making an extra $50 payment each month toward principle will save you in the long run. By making an extra payment each month of $50, you will save $39,908 in interest. You will also pay off your mortgage 6.08 years earlier.

Why should a mortgage calculator be of interest to you? You can use the calculator to “try out” different repayment strategies. The mortgage calculator will show you how each strategy will pay off in the long run. A mortgage calculator can also be very helpful when it comes time to refinance your loan. It will show you exactly how much money you will save by refinancing at a lower rate.

You can also use a mortgage calculator to budget for a home. Many times, the loan that you qualify for is not the loan that you can afford. After you have completed a realistic budget, you can use a mortgage calculator to find the loan that you can afford. How much money can you reasonably borrow and pay back without having to make sacrifices? A mortgage calculator can help you figure it out.

When you have the right tools, you can make great decisions. Never buy a home or take out a mortgage without knowing all of the facts. A mortgage calculator will help you learn all of the details of your potential or existing loan.

Many computer users adopt the ‘it will never happen to me’ policy, but there are a number of computer viruses out there just waiting to infect and destroy the information contained on their hard-drive. This is why companies invented anti-virus software, which is a program that automatically helps to detect the presence of viruses on a computer or in a file before it is opened.

Anyone who spends a considerable amount of time surfing the internet, visiting unfamiliar websites or downloading photographs is at a higher risk for computer viruses than those who do not. Computer viruses are typically attached to word processing documents, computer programs and images which, if downloaded, may instantly affect the computer’s performance.

If a computer virus infects a computer, the owner may immediately lose everything in their computer and may be forced to use the factory restore disk. This CD, which is accompanied by most new computers, will restore the computer to it’s original factory settings.

Anti-virus software is quite affordable considering it’s wealth of use. Without it, computer users are at constant risk for computer viruses. Anti-virus software can generally be found at any computer manufacturer’s website, retail store’s electronic department or online at many retailers selling computers.

Anyone who suspects that their computer may be infected with a virus should refrain from sending any e-mail messages or uploading photos to family or friends. Otherwise, the virus may spread to infect their computers as well.

Anti-virus software is available most commonly on a CD-Rom, but may also be downloaded from some manufacturers. By double clicking on the software, the anti-virus program will begin to perform a scan of your entire computer. As it progresses, it will give you an update on any potential located viruses or files that may be of concern. In addition, some anti-virus software will allow users to scan a single file before opening it. For example, if a computer user were to download an image but wanted to run a virus scan on it prior to opening the file, he/she could click on the anti-virus software and direct it toward the file in question. The anti-virus program would scan the file for potential viruses and will post the results immediately on the computer screen. This will allow the computer user to know which files are safe and which are not.

In today’s world, anti-virus software is to computers as Tylenol is to headaches. It’s both a preventative approach and a cure for certain ailments affecting a computer. If a user does not have anti-virus software pre-installed into their computer, it is recommended that they purchase a program immediately before logging on to the internet.

The reading of YouTube clips on a portable player. Video clips with a cell phone created on your PC. publish video clips on your site or blog. Cut MPEG videos into smaller pieces that are easy to download. Send video clips on YouTube. Are they all absolutely free!

If you have an iPod, iPhone or other portable device that has the ability to play videos and MP3, you can already meet the limits of the software with the hardware supplied by the manufacturer. Can you download movie from YouTube directly on your player or mobile phone with OEM software? Can you even save YouTube videos on your PC?

YouTube gained its popularity is a good play video clips install directly into a Web browser without additional software to watch videos. But this approach has its limitations and drawbacks to the one being the impossibility of a YouTube movie on a PC. YouTube offers no way to do it, and is no software that can record a clip on the hard disk.

Dvdvideosoft.com to http://www.dvdvideosoft.com/free-dvd-video-software.htm offers free tools and simple as you do, you have ten, and more! Extract and save YouTube videos on your hard drive. Playback YouTube clips on your iPod with Free YouTube to iPod Converter. Download the flicks on your iPhone with Free YouTube to iPhone Converter, or convert them to MP3 songs and ringtones to mobile phone with Free YouTube to MP3 Converter.

Are you a regular contributor to YouTube? Tired of using their Web interface for uploading multiple clips? Dvdvideosoft.com offers a free alternative! Free YouTube Uploader is an alternative to downloading video clips on YouTube without going through their web interface. Have fun and upload as many videos as you want!

Do you have a website or blog of your own? Ever wanted to impress your visitors with video clips? Turn your videos into Flash videos friendly web and optimize your web pages with videos! Dvdvideosoft.com is Free Video to Flash Converter that each video is converted into a streaming Flash clip that is easy to insert into your blog or website.

You have a great video? Would you cut the title, but does not believe in re-encoding? Cut unwanted parts from MPEG without quality with Free Fast MPEG Cut!

It took longer than the cell phone provider has invented a new way to make money. It is free ringtones for the facts of popular movie soundtracks. But did you know that you can make these ringtones yourself – and totally free? Have you ever considered that a sample song from a movie, and make it your ringtone cell phone? Free Video to MP3 Converter is a film in almost all formats and stores the audio in one convenient MP3 file! Create a CD and use it to pay as MP3 ringtone without your mobile operator and save high quality for the future enjoyment of your PC or portable player.

Speaking of cell phones, have you ever record video clips with the camera on your phone? These videos are in 3GP format that can not go back on your PC can be read directly recorded. Free 3GP Video Converter converts video clips to your mobile phone in the movies that you can play on your computer or portable devices! You can even MP3 music files 3GP.

You probably have many horror stories of the massacre of hackers and techno-geeks caused Gone Bad one. Do not be a victim. The average user is extremely vulnerable to attacks. Believe me, you do not want this abuse of your data, lost, stolen or otherwise rendered unusable for you. Anonymizer ZoneLabs ZoneAlarm Pro is the all-in-one solution for you. Here’s why:

ZoneAlarm Pro is easy to use firewall blocks hackers and other unknown threats. It includes the following features:

• Intrusion Blocking – identifies and blocks hackers attempting to access

• Stealth Mode – makes your computer invisible to potential hackers on the Internet.

• Automatic Program Configuration – automatically configured, the programs and decide whether to allow or deny Internet access to your programs.

• Expert Controls – give you precise control over security settings.

• Defense 1 – Good stealth firewall protects the network perimeter and entry

• outbound threats and protects your computer against hackers, Trojans and spyware

• Defense 2 – The second layer firewall around each software, good programs to protect against bad

• Defense 3 – The third layer firewall drops to protect the core operating system that includes the registry and file system attacks by malicious programs. This protects the operating system kernel.

ZoneAlarm Pro protects against identity theft and online profiling.

• ID Lock – prevents your information from leaving your computer without your consent.

• Blocking – stop pop-up ads, so you can surf in peace.

• Security Scanner – scans your hard drive for adware cookies and deletes them with a click of mouse.

• Hacker ID – pistes attempts to hijack your computer and allows you to report offenders to ISPs.

• Cookie Control – keeps falling adware installed on your computer, but you allow cookies from trusted sites.

Zone Alarm Pro stops spyware before it reaches your computer is secure, and by far the best way to respond to your computer.

• Zone Alarm firewall blocks the network completely hackers and spyware.

• The Privacy feature Web hindered drive-by downloads, cookies, tracks, and bugs.

• Attachments MailSafe spyware in quarantine in all your e-mail.

The next step is best to catch spyware before it installs and catches. The new Triple Defense Firewall ZoneAlarm Pro detects and blocks the installation of spyware and the behavior of other similar facility.

attacks of spyware and other programs of the operating system

• Triple Defense Firewall ZoneAlarm detects and blocks spyware that tries to change the attack and the kidnapping of a program or browser settings.

• Zone Alarm is the complete collection sets, to identify the core and stop attacks on the operating system.

In collaboration with Zone Alarm Smart Defense Advisor is an excellent product can even kill spyware on site.

ZoneAlarm Pro accessories quarantine suspicious e-mail and blocks outbound messages containing potential viruses.

• Incoming MailSafe – Quarantines suspicious attachments and prevents them from opening at startup or by accident.

• Outgoing MailSafe – monitors outgoing email and stop messages with potential viruses before they can be transferred. It also keeps worms and virus infected e-mails sent by someone in your personal address book.
Requirements:

Win98SE/ME/2000 Pro / XP, Pentium 233 MHz or higher, access 10 MB of free space on the hard disk Internet. Minimum system RAM: 48MB (98SE/ME), 64 (2000 Pro), 128MB (XP). Supported protocols for email scanning: POP3 and IMAP4 for incoming, outgoing SMTP.
MSRP: $ 49.95