Great Home Improvement Tools For Your iPhone Or iTouch

I am going to share with you some of the great applications that can turn your iPhone or iTouch into a great source of home improvement tools and put them right at your fingertips.

Dimensions App: This handy application which costs less the $2.00 and includes a level, a caliper, a tape measure, a GPS based pedometer, a speedometer, an App to measure ingredients and so much more. This one alone is worth it’s weight in gold.
Material Calculator App: Also, less then $2.00, this one include a volume calculator, a paint calculator, Apps for wallpaper, flooring and it does all types of conversions like square feet to cubic feet, meters to feet, centimeters to inches and other great calculations. You will never have to worry about getting the right amount of materials again.
Home Improvement Calculator App: For less then $5.00, this is a great tool for homeowners. With this App you will be able to figure out the amount of material you need most home improvement projects. Whether it’s wallpaper, decking, concrete, gravel, brick, block, carpet, etc., this calculator with figure out the exact amount you need every time.
FIS Calculator App: FIS stands for Feet-Inches-Sixteenths and is one of the most advanced dimensional calculators available, and the App costs about $10.00. With this App you will be able to add, multiply, subtract and divide in feet and inches, so getting the correct calculations will never be a problem again.
Right Angle Calculator App. Here is another great App that runs about $10.00, and it is really worth it. Imagine being able to calculate sides, angles, tangent or pitch. This is a great tool for use in roofing because you can calculate the slope, pitch and rise of the roof and be able to know exactly what materials you need and it measures in feet, inches and fractions.
Builders Formulator Calculator App: For about $10.00, it’s hard to believe what all this calculator can do. It contains over 200 formulas for use with electrical, heating, concrete, carpentry, excavating, piping, area calculations and even financial calculations. It can even calculate heat loss, cooling requirements and fresh air in a room requirements. It includes specialized programs for carpenters, architects, engineers, electricians and plumbers. There is just too much to include in this article.
CAD Touch Tool: For about $7.00 you will be able to draw floor plans right on this little mobile device. So, if you get an idea for a project or need to draw out the dimensions of a room when you are away from your computer, with this handy App, you will have the tool you need when you need it. Of course it will also calculate the area of the room and includes structural, mechanical and other useful calculations. You can even email the file when you are finished. What a handy home improvement tool this is.

So there you have it. For a less than $50.00, you can get all these Apps and never have to worry about any type of measurements or calculations again when you take on any home improvement project. You will save time, material and money.

Home Improvement Loan Calculators

Home improvements loan are paid off within a specified period of time. They are considered amortized loans, since they are to be paid off by a gradual shrinkage by equal monthly installments.

In the age of information technology, there are many online loan amortization calculators available that can help a borrower weigh the various loan options he/she has and plan the payments accordingly. Home improvement calculators are available abundantly on the internet. These calculators offer ease in trying out various combinations of the payment period.

When using these calculators, one just needs to key in the loan amount, interest rate, and the conditions of repayments. The online home improvement loan amortization calculator gives the borrower the complete amortization table within few seconds; the table tells him/her how much of loan is being paid off. The breakdown of the monthly payments is given over the life of the loan.

Some of the more advanced home loan calculator programs allow a borrower to calculate various ratios like the debt-to-income ratio in different payment scenarios. By using these home improvement loan calculators, one can find out the amount to borrow, how much to put down, and the tax implications. With the help of home improvement calculators, one can make decisions about opting for fixed- or adjustable-rate mortgages

One should use variations of the basic home loan calculator to decide whether and how to consolidate debt. One can also calculate how long it will take to reach the “break even” point. The impact of early payments on your home loan can also be easily determined.

Choosing an Online Home Loan Calculator

As the adage goes, something that cannot be measured cannot be improved. This fact is inclusive of most things in life including home loans. If you’re looking to live a debt free life, first make sure you calculate how much you can afford to spend. A home loan calculator is a great tool that’ll help you get an idea of the monthly and yearly payment breakdowns. The calculator allows you to assess your mortgage payment options.

While some provide a simple calculation of the monthly spending that you can afford, after you key in the interest rate and the other expenses, there are some others that are elaborate and help you calculate several things. For example, if you’d like to know the maximum housing loan amount based on the annual income and the ability to service the loan, choose from a home loan calculator that determines the affordability of your loan. All that you’ve got to enter is the monthly salary, the start interest rate, the loan term period and the maximum percentage of income that you can afford to spend, and you have a calculator that tells you the maximum loan amount that you can ask, and the maximum monthly mortgage payment that you can make.

You can also find out how susceptible you are to changes in interest rates in the market. Enter the principal amount, interest rate variation and the loan period, and you can know how changes in the interest rate can affect your monthly expenditures. And if you’re an investor, you can look at a home loan calculator that gives you the potential yield from your investment.

Depending on the amount that you can afford, or the interest rate or the term period that’s best for you, you can choose from a loan provider. And if you’ve already availed a loan, the home loan calculator can help you determine the monthly income that’s need to stay afloat and avoid a foreclosure. There are several variants of the calculator, make sure that you are in tune with the method of calculation with the loan provider.

Rather than having to make complex calculations, where you often lose track of what you were calculating in the first place, or ask for help from your finance consultant, it’s best to use a home loan calculator that can do all the calculation for you. You end up saving time, and energy using these calculators that can easily perform the most complex of calculations. But choose from a good website, rather than visiting the first site that’s thrown up on the search result.