Thursday, February 01, 2007

Fight Global Warming From Your Computer

Download the 100% Free LocalCooling Application and it automatically optimizes your PC's power consumption by using a more effective power save mode (like turning off the screen, slowing down the hard drive, etc.). You will be able to see your savings in real-time translated to more environmental terms such as how many trees and gallons of oil you have saved.



Note: The application is not a spamware or spyware, below are some third party evaluations:
processlibrary.com
liutilities.com

Household Debt Service and Financial Obligations Ratios

Data from the Federal Reserve Board:

Household debt service payments and financial obligations

Definitions:

The household debt service ratio (DSR) is an estimate of the ratio of debt payments to disposable personal income. Debt payments consist of the estimated required payments on outstanding mortgage and consumer debt.

The financial obligations ratio (FOR) adds automobile lease payments, rental payments on tenant-occupied property, homeowners' insurance, and property tax payments to the debt service ratio.

Homeowner and renter FORs are calculated by applying homeowner and renter shares of payments and income derived from the Survey of Consumer Finances and Current Population Survey to the numerator and denominator of the FOR.

The homeowner mortgage FOR includes payments on mortgage debt, homeowners' insurance, and property taxes, while the homeowner consumer FOR includes payments on consumer debt and automobile leases.