So if you make a full price offer, but with five percent in seller-paid closing costs, you get this: 1  $10,000 down payment. 2  No closing costs. 3  There is an extra two percent in concessions. That gets you a 3.375 percent interest rate. 4  Your principal and interest payment at 3.25 percent is $827.
Tracking Your Most Fertile Days. Generally, the highest chance of pregnancy is when sex happens1-2 days before ovulation. If you have a regular 28-day cycle, count back 14 days from when you expect your next period to start. Plan on having sex every other day around that time -- say, days 12 and 14.
If the sperm is too early or late, it cannot form an embryo. Ovulation, which is the release of eggs, typically happens around 12 to 14 days after the first day of a period (or the start of a new cycle). Implantation occurs 6 to 12 days post ovulation. Calculating the ovulation dates, menstrual cycle and implantation can be very confusing.