Can I affort to purchase a Home ?

This is the first question that comes to each person's mind when he wishes to own a home or appartment.
Here is an online calculator which is very easy to use and too quick to give support to your first thoughts.
You just need to anonymously enter is this...

• your income
• approx. non-mortgage debt
• money available for down payment
• mortgage term that you want to apply for
• mortgage interest rate(the page also displays current national average :) )

Once you input this and submit the calculate button, the page will show you the maximum affordable cost of the house, what should be total montly house payment and the mortgage amount.
It also displays one very important information. Like this...

Your down payment is less than 20%. This could require you to pay mortgage
insurance. You can avoid mortgage insurance by obtaining a piggyback
mortgage
(80% 1st mortgage + small 2nd mortgage)

Click on the "show detailed results" at the bottom of that page to see other helpful information like this.
So, give this simple calculator a try to find out if you could afford your dream home here.

Microsoft Stock is a BUY

Yep, Microsoft is surely the leading Global IT company but further it has changed the gears. Microsoft is rapidly changing their business modal.
Microsoft is aggresively trying to be the leader in SaaS(Software as a Service) domain too.
Recently Microsoft has started involving third-party developers at many fronts. It has made source code of many products available to particular audiences.

Recently, at Game Developers' Conference 2008 in Saf Fransisco, Microsoft announced that independent third-party Game Developers will be able to develop games for XBox, Zune, Windows platforms and also sell them on the Xbox Live Marketplace. The developers will be able to submit their games on http://creators.xna.com web site and get it reviewed by peers. So, that's awesome!
Well, the point is Microsoft has changed gears and will be happening in IT further.

According to a recent news, Microsoft has seen increase in revenue from outside USA. A huge portion of their revenue is generated of USA and that makes it very stable economic modal in even bad times.