Tom Luxsox Coins

Set First

The first 5 years of your mortgage is the most critical. The general rule of thumb is that you spend at least 5 times more in principal than interest. You can run the numbers for yourself at http://www.bankrate.com

The banks' hope you won't break free from this cycle and have designed the mortgage tables to trap you into paying interest for a longer period of time.

To get ahead of your mortgage...

...it is important you have a basic understanding of your mortgage amortization schedule so that the banks don't take advantage of you and suck you into a lifetime of payments.

HUH!

I know this may sound strange but nothing in life is constant.

Chances are at some point you will move, need to borrow money from your mortgage, pay for the kids education or take out a reverse mortgage in retirement. Knowing how your mortgage works will help you make those important financial decisions.

Let's take a closer look at an example.

For a $334,000 mortgage at a 6.3% interest rate you will end up paying approximately $774,252.88 in repayments over 30 years.

You will spend $410,252.88 in interest and $334,000 in principal.

That sounds pretty fair right?

At approximately year 21, you will pay off 50% of your mortgage. So in the last ten years you will still owe $167,000.

Can you see what going on?

For the 1st 20 years you are working for the bank. Most of your hard-earned paycheck goes towards interest.

Which sucks!

Let's take a closer look at the first 5 years of your amortization schedule. You will notice that you spend $22,068.33 in principal and $101,973.82 in interest.

Out of a total repayment of $124,042.15, you would pay approximately 82% in mortgage interest as compared to principal.

This made me feel sick when I found about this for my mortgage.

So where did it leave me and what does this mean to you?

You really start making a small dent in your mortgage after the first 8 years.

Please don't take my word for this. You can go directly to http://www.bankrate.com and check this for yourself if your mortgage balance has changed. Pay close attention to your outstanding balance and how much of your monthly repayments are applied to interest at this point.

At the year 21 mark of your monthly mortgage payments, more of your money will go towards principal than interest. Your hard-earned paycheck would finally begin to work for you.

There are two key numbers to understand when dealing with your mortgage.

• The first 5 years, where you would typically pay five times more in interest than principal, is the first key milestone.

• The second key point is at year 21 when you still owe at least 50 percent of your mortgage principal.

This is interesting to know that at the 21 year mark, you pay less in interest and in the last 10 years you get very little to almost no tax deductions for your mortgage interest.

To make a dent in your mortgage, the first barrier you need to break is the five to eight year mark. Once you get past this, a little more of your cash goes towards principal and you begin to build some momentum.

Just imagine if you refinance or take out a new home.

The process starts all over again and you are stuck in a lifetime of payments.

Now here is how the banks really make their money by lending your funds to buy a home.



They count on a homeowner like you to move within the first 8 years or refinance their home. The more times you do this, the cycle starts all over again and you end paying a significant amount of your money on interest.

The goal is to break through this barrier.

If you would like a free report to break through the 5 year mark in the shortest period of time without spending a cent more or refinancing, go directly to http://www.eqxl.com Enter your information in the sign up box and we will deliver the best tips to you so you never have to be trapped into paying more interest than you should. The results will shock you.

BabyFirstTV's 3 DVD Collection Set 2 $35.95 Created by Dr. Lynne Kenney this 3 Disc Set includes Night Symphony Visual Inspirations and Social Explorations. 3 Disc Set Includes: - Night Symphony features lullaby music and soothing images to offer much-needed quiet-time for babies and their parents. - Visual Inspirations explores the beauty of art in a manner that adjusts to the nature and pace of baby's development. - Social Explorations takes your baby on an adventure of discovery through a variety of games and activities. Running Time: Approx. 45 minutes/DVD.

BabyFirstTV's 3 DVD Collection Set 1 $35.95 Created by Dr. Lynne Kenney this 3 Disc Set includes Numerical Concepts Cognitive Beginnings and Vocabulary Seeds. Disc Set Includes: - Vocabulary Seeds gives a taste of the gradual process in which vocabulary is created and enhanced. - Numerical Concepts introduces numbers and counting as well as the relationships between various shapes. - Cognitive Beginnings explores different components of our cognitive abilities. Running Time: Approx. 45 minutes/DVD.

Birthday Gift Set: Hide and Seek Medium $25.95 This Ultimate Birthday Package features a Hide and Seek t-shirt and 2 DVDs. From the creators of BabyFirstTV this package engages your child in a variety of Games and Puzzles. Social Explorations Features: Peekaboo Shapes & Sizes Hide and Seek Fred and Fiona Puzzles and Harry the Bunny. Vocabulary Seeds takes your child through progressive steps aimed to inspire first words. DVD Features: Hide and Seek Safari Scrapbook The YoYo and Peanut Show Sandman Tell Me a Story and Wordies. Running Time: 45 minutes/DVD. T-Shirt is made from 100% Cotton. Choose from Small (6-12mos.) Medium (12-18mos.) and Large (18-24mos.) .

Birthday Gift Set: Hide and Seek Large $25.95 This Ultimate Birthday Package features a Hide and Seek t-shirt and 2 DVDs. From the creators of BabyFirstTV this package engages your child in a variety of Games and Puzzles. Social Explorations Features: Peekaboo Shapes & Sizes Hide and Seek Fred and Fiona Puzzles and Harry the Bunny. Vocabulary Seeds takes your child through progressive steps aimed to inspire first words. DVD Features: Hide and Seek Safari Scrapbook The YoYo and Peanut Show Sandman Tell Me a Story and Wordies. Running Time: 45 minutes/DVD. T-Shirt is made from 100% Cotton. Choose from Small (6-12mos.) Medium (12-18mos.) and Large (18-24mos.) .

Birthday Gift Set: Hide and Seek Small $25.95 This Ultimate Birthday Package features a Hide and Seek t-shirt and 2 DVDs. From the creators of BabyFirstTV this package engages your child in a variety of Games and Puzzles. Social Explorations Features: Peekaboo Shapes & Sizes Hide and Seek Fred and Fiona Puzzles and Harry the Bunny. Vocabulary Seeds takes your child through progressive steps aimed to inspire first words. DVD Features: Hide and Seek Safari Scrapbook The YoYo and Peanut Show Sandman Tell Me a Story and Wordies. Running Time: 45 minutes/DVD. T-Shirt is made from 100% Cotton. Choose from Small (6-12mos.) Medium (12-18mos.) and Large (18-24mos.) .

Birthday Gift Set: Harry the Bunny Medium $25.95 This Ultimate Birthday Package features a Harry the Bunny t-shirt plush toy and DVD. From the creators of BabyFirstTV this package encourages your child???s curiosity to learn and discover exciting things. DVD Running Time: 45 minutes. Harry the Bunny plush toy measures 15'' x 11'' x 4.5'' T-Shirt is made from 100% Cotton. Choose from Small (6-12mos.) Medium (12-18mos) and Large (18-24mos). CURRENTLY SOLD OUT OF SIZE SMALL AND LARGE!

Birthday Gift Set: Rainbow Horse Medium $25.95 This Ultimate Birthday Package features a Rainbow Horse t-shirt plush toy and Visual Inspirations DVD. From the creators of BabyFirstTV this package explores the wonder of Art and Music. DVD Features: Rainbow Horse Sandman Black & White Harry the Bunny Picture Pad Arty Party and Color Symphony. Running Time: 45 minutes. Rainbow Horse plush toy measures 9???x10???x3??? T-Shirt is made from 100% Cotton. Choose from Small (6-12mos.) Medium (12-18mos.) and Large (18-24mos.) Sizes subject to availability!

Birthday Gift Set: Rainbow Horse Small $25.95 This Ultimate Birthday Package features a Rainbow Horse t-shirt plush toy and Visual Inspirations DVD. From the creators of BabyFirstTV this package explores the wonder of Art and Music. DVD Features: Rainbow Horse Sandman Black & White Harry the Bunny Picture Pad Arty Party and Color Symphony. Running Time: 45 minutes. Rainbow Horse plush toy measures 9???x10???x3??? T-Shirt is made from 100% Cotton. Choose from Small (6-12mos.) Medium (12-18mos.) and Large (18-24mos.) Sizes subject to availability!

Birthday Gift Set: Rainbow Horse Large $25.95 This Ultimate Birthday Package features a Rainbow Horse t-shirt plush toy and Visual Inspirations DVD. From the creators of BabyFirstTV this package explores the wonder of Art and Music. DVD Features: Rainbow Horse Sandman Black & White Harry the Bunny Picture Pad Arty Party and Color Symphony. Running Time: 45 minutes. Rainbow Horse plush toy measures 9???x10???x3??? T-Shirt is made from 100% Cotton. Choose from Small (6-12mos.) Medium (12-18mos.) and Large (18-24mos.) Sizes subject to availability!

BabyFirstTV's 6 DVD Collection Vol. 2 $69.95 This 6 Disc Set includes Animal Buddies BabyFirst Tales I Can Sign My Gym at Home Spanish Essentials and Baby D.I.Y. -Animal Buddies celebrates the world of animals BabyFirst Tales are classic fairy tales retold for your little one I Can Sign allows your child to learn their first words before they can speak My Gym at Home is fitness made fun for kids Spanish Essentials encourages first words while learning a different language Baby D.I.Y. (Do It Yourself) allows your child to use their imagination while creating fun crafts at home. -Running Time: Approx. 45 minutes/DVD.

BabyFirstTV's Language 3 DVD Collection $35.95 The Language 3 DVD Collection features programs designed to inspire your baby's ability to communicate. This 3 disc set includes I Can Sign Vocabulary Seeds and Spanish Essentials. Disc Set Includes: I Can Sign - Learn how to use sign language to converse with your baby even before she can speak actual words! With I Can Sign you will give your baby the precious gift of self-expression. Vocabulary Seeds - Building vocabulary is a long and gradual process that you reinforce every day when speaking with your baby. Along with popular BabyFirstTV characters Vocabulary Seeds takes your child through progressive steps aimed to inspire first words. Spanish Essentials - Teaching your child a second language has many advantages. This Spanish Essentials DVD introduces your child to basic Spanish words for family food animals and more while creating appreciation for the language and culture. DVD Set Features: -English and Spanish audio options -Parenting Subtitles -Educational Ov

Girl's Baby Shower Package $59.95 The Girl's Baby Shower Package includes One 3 DVD Collection Set 2 One Rainbow Horse Plush Toy One Girl???s Growth Chart Three Self Adhesive Wall Decals and One Rainbow Horse T-Shirt size Small (6-12 months). Each DVD Running Time is 45 minutes. - One 3 DVD Collection Set 2 Night Symphony Visual Inspirations Social Explorations - One Rainbow Horse Plush Toy - One Girl???s Growth Chart - Three Self Adhesive Wall Decals Bonnie Bear Fiona Blossom - One Rainbow Horse T-Shirt size Small (6-12 months).

BabyFirstTV's Baby Shower Package $59.95 This Baby Shower Package includes One 3 DVD Collection Set 2 One Harry the Bunny Plush Toy One Blossom Growth Chart Three Self Adhesive Wall Decals and One Peekaboo T-Shirt size Small (6-12 months). Each DVD Running Time is 45 minutes. - One 3 DVD Collection Set 2 Night Symphony Visual Inspirations Social Explorations - One Harry the Bunny Plush Toy - One Blossom Growth Chart - Three Self Adhesive Wall Decals Penguin Frog Bee - One Peekaboo T-Shirt size Small (6-12 months).

Boy's Baby Shower Package $59.95 The Boy's Baby Shower Package includes One 3 DVD Collection Set 2 One Peekaboo Plush Toy One Boy???s Growth Chart Three Self Adhesive Wall Decals and One Hide and Seek T-Shirt size Small (6-12 months). Each DVD Running Time is 45 minutes. - One 3 DVD Collection Set 2 Night Symphony Visual Inspirations Social Explorations - One Peekaboo Plush Toy - One Boy???s Growth Chart - Three Self Adhesive Wall Decals Frog Fred Penguin - One Hide and Seek T-Shirt size Small (6-12 months).

BabyFirstTV's Developmental 3 DVD Collection $35.95 The Developmental Series features programs to inspire baby's basic cognitive development and develop a foundation that will last a lifetime. This 3 disc sets includes Visual Inspirations Cognitive Beginnings and Numerical Concepts. Disc Set Includes: Visual Inspirations - Visual Inspirations explores the beauty of art in a manner that adjusts to the nature and pace of baby's visual development. This DVD features programs like Rainbow Horse Arty Party and Color Symphony to help aid in your child's most complicated and important sense vision. Cognitive Beginnings - One of the most impressive functions of our brain is to process information in a rational manner. Encourage logical reasoning with Cognitive Beginnings and BabyFirstTV. Numerical Concepts - Numerical Concepts introduces numbers and counting as well as their relationships. Developed by Dr. Lynne Kenney join BabyFirstTV as various characters count and discover shapes. DVD Set Features: -Parenting Subtitles -E

BabyFirstTV's Parent & Baby 3 DVD Collection $35.95 From a simple exercise routine to a new way for your baby to say simple words the Parent & Baby 3 DVD Collection provides new ways for parents and babies to have fun learning new things together. This 3 disc set includes My Gym at Home: Fun with Monique Baby D.I.Y. and I Can Sign. Disc Set Includes: My Gym at Home: Fun with Monique - This DVD invites parents and babies everywhere to play together have fun and discover the many advantages of a steady exercise routine. Join Monique as she guides you and your child through developmental exercise routines. Baby D.I.Y.- This DVD was created to bestow a whole new creative world of fun for you and your baby. This DVD will introduce your baby to new foods smells and textures to excite his/her senses and help build fine motor skills. I Can Sign - This DVD invites you to learn how to use sign language to converse with your baby even before he/she can speak actual words! With I Can Sign you will give your baby the precious gift of se

BabyFirstTV's 6 DVD Collection Vol. 1 $69.95 Vocabulary Seeds Numerical Concepts Cognitive Beginnings Social Explorations Visual Inspirations and Night Symphony. Disc Set Includes: - Vocabulary Seeds gives a taste of the gradual process in which vocabulary is created and enhanced. - Numerical Concepts introduces numbers and counting as well as the relationships between various shapes. - Cognitive Beginnings explores different components of our cognitive abilities. - Night Symphony features lullaby music and soothing images to offer much needed quiet-time for babies and their parents. - Visual Inspirations explores the beauty of art in a manner that adjusts to the nature and pace of baby's development. - Social Explorations takes your baby on an adventure of discovery through a variety of games and activities. Running Time: Approx. 45 minutes/DVD.

BabyFirstTV's Fun Series 3 DVD Collection $35.95 Bring popular characters from BabyFirstTV's most popular shows together in this 3 disc DVD collection. Join Harry the Bunny Tec the Tractor and Shushybye Baby as they each go through their own adventures. Disc Set Includes: Harry the Bunny - Harry the Bunny is the sweetest and funniest bunny around. Join Harry on new and exciting journeys of natural discovery. Tec the Tractor - Meet Tec the friendliest tractor around who tends to get himself into unexpected adventures. Join Tec as he embarks on three of his most exciting adventures. Shushybye Baby - Snoozles Dozie and Zeez are Shushies who live in Shushybye Village where they make dreams for children. This DVD provides a nurturing and imaginative way to encourage children to look forward to bedtime. Running Time: Approx. 45 minutes/DVD

First $59.99 Women's Gift Set - 2.0 oz EDT Spray + 0.10 oz Mini EDT Spray Refillable. Floral Woody. Introduced by Van Cleef & Arpels in 1976 First is one of the most luxurious gentle and floral fragrances. This fine feminine scent contains a blend of peach jasmine and lily of the valley accented with tuberose black currant vetiver and oakmoss making First perfect for romantic occasions.

First In $7.99 While America held its breath in the days immediately following 9/11, a small but determined group of CIA agents covertly began to change history. This is the riveting first-person account of the treacherous top-secret mission inside Afghanistan to set the stage for the defeat of the Taliban and launch the war on terror. As thrilling as any novel, First In is a uniquely intimate look at a mission that began the U.S. retaliation against terrorism–and reclaimed the country of Afghanistan for its people. From the Hardcover edition.

BabyFirstTV's Vocabulary Seeds $14.95 Building vocabulary is a long and gradual process that you reinforce every day when speaking with your baby. The right programming encourages your baby to absorb words in an enthusiastic and fun way. From the creators of the popular TV channel Vocabulary Seeds gives a taste of the gradual process in which vocabulary is created and enhanced all in three progressive steps: - Baby's First Words - Words in Context - Baby's First Stories Developed by Dr. Lynne Kenney this DVD features BabyFirstTV's The Wordies Safari Scrapbook and Hide & Seek. DVD features: -On-screen parenting tips and subtitles -Unique 3-step introduction method to topics Running time: 45 minutes

BabyFirstTV's Baby D.I.Y. $14.95 Baby D.I.Y was created to bring an entire new creative world of fun for you and your baby. All you need is a little imagination some ordinary items from around the house and lots of bonding time together. This DVD will introduce your baby to new foods smells and textures to excite her senses and help build fine motor skills. The finished crafts are both fun and one-of-a-kind made especially by you and your toddler. We invite you to take an exciting step forward and dive in hands first! DVD features: - Created and presented by Sharen Pearson - English and Spanish audio options - Educational bonus with Dr. Todd Eller Running Time: 45 minutes.

BabyFirstTV's Cognitive Beginnings $14.95 One of the most impressive functions of our brain is to process information in a rational manner. The foundation of this ability is created through the baby's first years when he or she starts developing and exercising cognitive skills. From the creators of the popular TV channel Cognitive Beginnings explores different components of our cognitive abilities in three easy progressive steps: - Object Recognition - Memory Exercises - Problem Solving On this DVD your child will have the chance to watch popular BabyFirstTV shows like Bonnie Bear and Friendly Jack as she explores her cognitive abilities. DVD features: - On-Screen parenting tips and subtitles - English and Spanish language tracks - Unique 3-step introduction method to topics Running time: 45 minutes

BabyFirstTV's BabyFirst Tales $14.95 In Baby First Tales 9 classic fairytales are retold and reinterpreted just for little ones. Each story has been re-written at an age appropriate level specifically geared towards the youngest viewers. In addition the modern day setting will better help children recognize the moral lessons and associate them with their personal lives. To make the message even more personal re-tell stories to your child inserting familiar names and locations in place of those in the story. Happy story time! DVD features: -Spanish and English audio options -Educational Bonus With Dr. Todd Eller Running Time: 50 minutes. Bring story time to your home as BabyFirstTV retells stories like Cinderella Ugly Duckling and many more.

BabyFirstTV's I Can Sign $14.95 Learn how to use sign language to converse with your baby even before she can speak actual words! I Can Sign is a simple and engaging way to learn key words in sign language so you can quickly develop a two-way communication with your baby. Little ones will have fun learning common signs as they listen to the lively music and watch other children participating in activities related to the featured vocabulary. With I Can Sign you will give your baby the precious gift of self-expression. In this DVD you will find simple ways of learning to express first words like baby apple drink and many more. DVD features: - Spanish and English audio options - On-screen parenting tips and subtitles - Educational bonus with Dr. Todd Eller Running Time: 60 minutes.

Rainbow Horse Self-Adhesive Wall Decal $7.95 Decorate your baby's favorite place at home with BabyFirstTV's Rainbow Horse wall decal. Approximately 6" x 6" peel and stick easy to remove and reposition. Two per package.

Happy Bee Self-Adhesive Wall Decal $7.95 Decorate your baby's favorite place at home with BabyFirstTV's Happy Bee wall decal. Approximately 6" x 6" peel and stick easy to remove and reposition. Two per package.

Butterfly Self-Adhesive Wall Decal $7.95 Decorate your baby's favorite place at home with BabyFirstTV's Butterfly wall decal. Approximately 6" x 6" peel and stick easy to remove and reposition. Two per package.

Penguin Self-Adhesive Wall Decal $7.95 Decorate your baby's favorite place at home with BabyFirstTV's Penguin wall decal. Approximately 6" x 6" peel and stick easy to remove and reposition. Two per package.

Harry the Bunny T-Shirt Medium $12.99 Add a Tshirt of the friendliest bunny around to your baby's wardrobe with BabyFirstTV's Harry the Bunny Tshirt! Made of 100% cotton this green Tshirt is available in three sizes: -Small (6-12 months) SOLD OUT! -Medium (12-18 months) -Large (18-24 months) SOLD OUT!

BabyFirstTV Girl's Growth Chart $10.95 Bring your friends home from BabyFirstTV to decorate your wall. With this easy to install and easy to remove self adhesive growth chart your child's favorite BabyFirstTV characters can add color to his room while keeping track of height. Featuring Blossom Fred Fiona Peekaboo Tillie Rainbow Horse and Bonnie Bear. -42 inches high by 5.5 inches wide. Measures up to 4 feet tall.

BabyFirstTV Boy's Growth Chart $10.95 Bring your friends home from BabyFirstTV to decorate your wall. With this easy to install and easy to remove self adhesive growth chart your child's favorite BabyFirstTV characters can add color to his room while keeping track of height. Featuring Blossom Fred Penguin Peekaboo Sammy and Harry the Bunny. -42 inches high by 5.5 inches wide. Measures up to 4 feet tall.

BabyFirstTV's Animal Buddies $14.95 Exposure to various animals is more than just an exciting experience for children. In addition to encouraging an appreciation for living things animals can inspire the development of a variety of skills including the distinction of objects sounds colors and environment. The Animal Buddies DVD has been created by child development experts to introduce your child to the wonderful world of domestic and farm animals. Be sure to watch with your child ask questions and help encourage a love for all animals.

BabyFirstTV's My Gym at Home $14.95 My Gym at Home invites parents and babies everywhere to play together have fun and discover the many advantages of a steady exercise routine. Whether the routine involves dancing stretching or active play the basic moves found on this DVD may help assist in the formation and development of your child's motor skills confidence and social skills. Join intructors Eric Monique and Antanice on this My Gym at Home DVD and give your child a love fr exercise that can last a lifetime. My Gym is one of the nation's leading children's fitness centers with locations worldwide and has earned a reputation as having the best early learning programs of its kind.

BabyFirstTV's Spanish Essentials $14.95 Teaching your child a second language has many advantages. Some studies show that bilingual children have higher grades and critical thinking abilities. It has been proven that it's easier to learn a language as a small child even while mastering your native language. This Spanish Essentials DVD introduces your child to basic Spanish words for family food animals and more while creating an appreciation for the language and culture. Teaching your child a second language is a great way for your baby to learn and have fun at the same time.

Peekaboo Coloring Book $3.99 The nation???s only 24/7 television channel for babies and toddlers brings you the BabyFirst series of developmental coloring books. This series isn???t just about coloring but just like the award-winning BabyFirstTV programming these books are a learning tool used to stimulate the mind through the different areas of a child???s development. In Peekaboo Colors Your World we introduce toddlers to texture color and outline while exploring numerical concepts building basic vocabulary and developing motor skills. As a bonus we???ve included four pages on our new Snack Time television series which encourages healthy snacking habits in toddlers. Included in this issue are BabyFirst favorites: Hide & Seek Harry the Bunny Peekaboo and much more!

Fred and Fiona's Coloring Book $3.99 The nation???s only 24/7 television channel for babies and toddlers brings you the BabyFirst series of developmental coloring books. This series isn???t just about coloring but just like the award-winning BabyFirstTV programming these books are a learning tool used to stimulate the mind through the different areas of a child???s development. In Fred & Fiona???s World of Color we invite toddlers to explore textures introduce color and outline build their vocabulary develop intuitive thinking and important motor skills. As a bonus we???ve included four pages on our new Snack Time television series which encourages healthy snacking habits in toddlers. Included in this issue are BabyFirst favorites: Bonnie Bear Petey the Paintbrush Rainbow Horse Fred Fiona and much more!

BabyFirst Stickers $5.95 You are Invited to a BabyFirstTV Birthday Party! Approximately 2 inches x 2 inches. Featuring Blossom and the BabyFirst logo. Perfect for decorations party favors invitations or prizes at your child's next birthday. One order contains 100 stickers.