Newsletter

Join Our Email List
Employee Benefit Newsletter

Monthly Newsletter

Wealth Management Advisor

Warning!!!

IRS DOES NOT SEND E-MAILS TO TAXPAYERS!

Protect Yourself from and Report Suspicious E-Mails or Phishing Schemes.

What are suspicious e-mails or phishing?  

Phishing, as it is called, is the act of sending an e-mail to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft.

Report Phishing, e-mail scams and bogus IRS Web sites.

According to the Federal Trade Commission (FTC), the nation’s consumer protection agency, phishers send an e-mail or pop-up message that claims to be from a business or organization that you may deal with — for example, an Internet Service Provider (ISP), bank, online payment service, or even a government agency. The message may ask you to “update,” “validate,” or “confirm” your account information. Some phishing e-mails threaten a dire consequence if you don’t respond. The messages direct you to a Web site that looks just like a legitimate organization’s site. But it isn’t. It’s a bogus site whose sole purpose is to trick you into divulging your personal information so the operators can steal your identity and run up bills or commit crimes in your name.

The IRS can use the information, URLs and links in the suspicious e-mails you forward to trace the hosting Web site and alert authorities to help shut down the fraudulent sites.

Please call us if you have any questions.

 

Mortgage Refinancing JavaScript Calculator

         MORTGAGE REFINANCING


This JavaScript calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs.

 

Note: When entering numbers into the data fields only use numbers and applicable decimal points. Entering commas, dollar signs, or any other non-numeric characters will cause an error. Also please note that this calculator has been tested to work with Internet Explorer 3.01 and Netscape Navigator 3.01 web browsers. However, both must have the JavaScript option turned on.

 

Enter the principal balance of your mortgage: (call your mortgage lender and ask for the current payoff amount)

 

Enter the amount of your monthly mortgage payment:
Enter your mortgage's current interest rate:
Enter interest rate you will be refinancing at:
Enter the number of years you will be refinancing for:
Enter the closing costs
(Typically, # of points is "2" or dollar amount is .02 times the principal)
Would you like to finance the closing costs?
 

 

This is how much your monthly payment will be if you refinance:
Monthly Payment Reduction:
# of months for interest savings to offset 
closing costs:
This is how much interest you will pay under your current monthly payment plan:
This is how much interest you will pay under your refinanced monthly payment plan:
This is how much interest you will save if you refinance:
Net Refinancing Savings (interest savings less closing costs):
 

 


© Sullivan Bille PC - Certified Public Accountants - Tewksbury, Boston, Salem
Privacy Policy
- Legal Disclaimer - Site Map