Are you looking to pay off your mortgage sooner without additional lump sum payment? Your lender allows you to pay a certain percentage once or twice in a year. Usually Wholesale Soccer Jerseys Free Shipping , the lender allows 20% of the principal. For example, your principal amount sums up to $100,000. You can pay up to $20,000 of additional lump sum payment. Sometimes, lump sum payment can be hard on your pocket. You might consider bi-weekly mortgage payment. In a bi-weekly plan Wholesale Soccer Jerseys China , you make additional lump sum payment on a regular basis on a smaller amount.
You pay every two weeks rather than every month. You make 12 payments for monthly payment in a year, while you make 26 payments for bi-weekly payment in year. Since you make more payment, you put more money to reduce the total mortgage amount. For example, you pay $1,000 per month in a monthly payment plan. In a bi-weekly payment plan Wholesale Soccer Jerseys , you pay $500 every two weeks.
Let's put what we learn to work. To calculate your bi-weekly payment, calculate your monthly payment. Divide your monthly payment by 2. Suppose you want to know the monthly payment for a 30 year mortgage for $150,000 at 5% interest rate. Rate equals .00417 which is interest rate divide by twelve months, while number of payments equals 360 (30 years X 12 months). You pay $402.62 every two weeks.
Here is the actual bi-weekly payment mortgage calculation: = ([P(1 + r)nr][(1 + r)n - 1])2 = ([$150,000(1 + 0.00417)360 0.00417]
Since you pay $402.62 every two weeks Wholesale Hats , you save 4 years 9 months, and $25,767.44.
An exception (or exceptional event) is a problem that arises during the execution of a program. When an Exception occurs the normal flow of the program is disrupted and the programApplication terminates abnormally, which is not recommended, therefore Wholesale Hoodie , these exceptions are to be handled. An exception can occur for many different reasons. Following are some scenarios where an exception occurs. 鈥?A user has entered an invalid data. 鈥?A file that needs to be opened cannot be found. 鈥?A network connection has been lost in the middle of communications or the JVM has run out of memory. Some of these exceptions are caused by user error, others by programmer error, and others by physical resources that have failed in some manner. Based on these, we have three categories of Exceptions. You need to understand them to know how exception handling works in Java programming. 鈥?Checked exceptions 鈭?A checked exception is an exception that occurs at the compile time, these are also called as compile time exceptions. These exceptions cannot simply be ignored at the time of compilation Wholesale T-Shirts , the programmer should take care of (handle) these exceptions.
1. Use a single, system-wide exception class Instead of creating separate classes for each exception type, create just one. And make it extend RuntimeException. This will reduce your class count and remove the need to declare exceptions you aren鈥檛 going to handle anyway. I know what you鈥檙e thinking: How will I tell exceptions apart if they鈥檙e all the same type? And how will I track type-specific properties? Read on! 2. Use enums for error codes Most of us were trained to put the cause of an exception into its message. This is fine when reviewing log files (ugh), but it does have drawbacks: 1. Messages can鈥檛 be translated (unless you鈥檙e Google). 2. Messages can鈥檛 be easily mapped to user-friendly text. 3. Messages can鈥檛 be inspected programmatically. Putting info in the message also leaves the wording up to each developer, which can lead to different phrases for the same failure.
A better approach is to use enums to indicate the exception鈥檚 type. Create one enum for each category of errors (payments Wholesale Jerseys China Free Shipping , authentication, etc.). Make the enums implement an ErrorCode interface and reference it as a field in the exception. When throwing exceptions, simply pass in the appropriate enum.
Now when you need to test for a specific case, just compare the exception鈥檚 code with the enum. 3. Add error numbers to enums In some cases a numerical error code can be associated with each exception. HTTP responses for example. For those cases, add a getNumber method to the ErrorCode interface and implement it in each enum. learn java tutorial
Numbering can be globally unique across all enums or each enum can be responsible for numbering itself. You can even use the implicit ordinal() method or load numbers from a file or database. 4. Add dynamic fields to your exceptions Good exception handling means also recording relevant data Wholesale Jerseys Online , not just the stack trace. Doing this will save you big time when trying to diagnose and reproduce errors. And customers won鈥檛 have to tell you what they were doing when your app stopped working (you鈥檒l already know and hopefully have fixed it). The easiest way to do this is to add a field to the exception. The new field鈥檚 job will be to hold all your exception related data by name. You鈥檒l also need to add a generic setter method following the fluent interface pattern.
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