C:\Users\ {User-ID} \AppData\Local\Microsoft\Windows\INetCache\Low\IE\ I found the 1st in folder IE when attempting to find a lost file. Realizing that IE was showing NO folders, I have started picking files in the 1 st hidden folder and doing searches on them. Most files in the hidden folders are found only there. However, some are in multiple places.
Most people calculate the true cost of their mortgage as their interest rate, less any tax savings from an interest deduction on their tax return. They may think, Well, my mortgage rate is 5%, and I'm in the 25% tax bracket, so my true rate is 3.75% (the federal government lets them write off the interest, with a 25% tax savings, so their net cost is 75% of their rate. Essentially, they think the Federal Government pays 25% of the mortgage). Well, that thinking is not entirely accurate.
Qualifying Interest. On a first home, you can write off your points in the year you pay them. With a second home, you have to deduct them over time. On a 20-year mortgage, for example, you can usually write off 5 percent of the points each year; on a 25-year mortgage it would be 4 percent.