Negative self-talk can be rife in social situations, especially if you feel nervous or on display. Positive self-talk can help you put social gaffes in proper perspective. Instead of: Say:
Prepaid Expense Amortization Schedule. File Type: Excel Price:$9.99. Summary: Prepaid expenses are costs that are paid in total upfront but cover a specific time period and should be tracked on a prepaid expense amortization schedule. A good example would be insurance premiums which are often paid for an entire year or 6 months in advance.
Calculate this year's deduction for amortized points you pay for refinancing. For example, if you pay $3,000 in points and your mortgage runs 15 years, you can amortize $200 in prepaid interest for each year of monthly payments. With a refi, you don't have the option to take all the points up front, so you have to amortize.