vs traditional built. It broke down cost to the homeowner in monthly expenses. The result was less monthly cost with all expenses included ie mortgage payment, utilities, ins etc.I displayed it at the St Louis science center green expo with very positive response. Congressman Russ Carnahan saw it and asked me to send him info I did and eveyrthing stopped there . I would like to send this to DOE or whatever agengy you suggest. It can be cutomized for any region of the country. It shows the average Joe he can pay more for the technology but pays less monthly. IT HITS HOME

Answer by razorraul
since the 60s we know that insulating saves money
there is no discovery
too many variables…
send it to average Joe!

When applying for a Home Loan which Income is used to determine how much loan you would be approved of Gross Income or Adjusted Gross Income. I have 401k, health insurance and my husband has business expenses. I am trying to input the figures in an online Mortgage Calculator to get some figures.

Answer by Bill
They probably use Gross Income unless they ask for AGI.
They really should ask for Net Income which is the amount of money you really have.

ps: AGI would be the amount on your 1040 after you take all of your deductions.

Answer by golferwhoworks
gross income. But many smart people will qualify on their net income as that is really what you have to work with. The only reason you don’t is the interest paid credit you get on your 1040′s

Answer by Gerar
About Adjusted Gross Income can be read in http://net-usa-blog.blogspot.com/?q=Adjusted%20Gross%20Income

Please bear with me. I am a first year CS student and I know the mistakes I’ve probably made are silly.

// Mortgage Calculator

#include
#include
#include
#include
using namespace std;

int main()

{// User input
cout << "Welcome to Eric's Mortgage Calculator!"<< endl;
string name;
cout << "First,what is your name?" << endl;
getline(cin,name);
string address;
cout << "Your address?" << endl;
cin >> address;
string city;
cout << "Your city?" << endl;
cin >> city;
string state;
cout << "Also, your state?" << endl;
cin >> state;
string zip;
cout << "And your zip code?" << endl;
cin >> zip;
cout << "Okay, now you're house..." << endl;
string cost;
cout << showpoint << fixed << setprecision(2);
cout << "What is the cost of your home?" << endl;
cin >> cost;
string downPayment;
cout << "And how much is the downpayment?" << endl;
cin >> dp;
string ir;
cout << "What is the interest rate of your loan? (Please enter with decimal =))" << endl;
cin >> ir;
string yrs;
cout << "How many years is the loan for?" << endl;
cin >> yrs;

//Calculations and assignments

float num = cost * (ir * (1 + ir));
float num2 = pow(num, 12);
float den = (1 + ir);
float den2 = pow(den, 12);
float den3 = (den2 – 1);
float monthlyPayment = (num2 / den3);

//Output
//Their info
cout << endl;
cout << endl;
cout << "Your information:" << endl;
cout << left ;
cout << "Name:" << name << endl;
cout << "Address:" << address << endl;
cout << "City:" << city << endl;
cout << "State and Zip:" << state << "," << zip << endl;

// Their calculations
cout << endl;
cout << endl;
cout << "And here are your calculations," << name << endl;
cout << "Cost:" << cost << endl;
cout << "Down Payment:" << downPayment << endl;
cout << "Interest rate:" << ir << endl;
cout << "Life of loan:" << yrs << endl;
cout << "Approximate Mortgage Payment:" << monthlyPayment << endl;

I know I'm not declaring the variables right. I think I should be using char or string for some. I also think my syntax for the formula is messed up. Heeeellpp!

By the way this is a program that calculates the monthly payment of a mortgage using the amortization formula.

Answer by Murali
your are declaring “cost”, “dp -downpayment”, “inetrest” and “yrs” as string. which is wrong.

Declare them as float or double.

Answer by Noir
This is why you should declare all the variables first (like in C ) and then ask for input to avoid confusion. You’re also missing the closing ‘}’ at the end I’m guessing that’s a typo.

Answer by sspade30
What is this?
cout << showpoint << fixed << setprecision(2);

Delete that line, it is nonsense.

You didn't declare "dp"

den and den2? Those aren't declared. Yes, if you make some of those floats it will help. You'll want to getline for the address, otherwise you'll just get up to the first space.