Mortgage calculator

Q: I’ve heard I need to use a mortgage calculator to help determine whether I will qualify for a loan. Is this true; and how does it work?

A: A mortgage calculator helps homeowners assess what kind of home loan they can afford. To meet lender requirements, you’ll need to demonstrate that you have the financial ability to make your monthly payments. This helpful automated tool allows you to figure out what kind of loan fits within your budget and whether you can expect problems when you apply for a loan. This tool also helps potential buyers stay out of trouble by helping them avoid loans that may put them in financial peril further down the line.

You can use the following loan calculator to help asses what type of home you can afford.


By Nathaniel Hutchinson
Financial Expert

Ab Circle Pro Scam?

Q: I’ve done a lot of online research, and I keep coming across talk of an Ab Circle pro scam. I’m having trouble losing weight around my stomach and was hoping this product might yield results. What should I believe?

A: There are a lot of products that claim to be able to provide targeted weight loss; however, almost all of these prove ineffective. To lose weight around your stomach, you need to create a caloric deficit by exercising and eating less. No type of crunching or twisting exercise will cause the body to burn fat around the midsection; that’s simply not how the body works.

Indeed, there are a lot of online complaints regarding an Ab Circle pro scam; however, the manufacturer clearly states that the machine is meant to be a part of a routine based on regular aerobic exercise and a reduced-calorie diet. In reality, the latter two strategies will work fine without the machine, which many users have associated with painful knee and back injuries.

If you want to learn safe, effective ways to trim your waistline, read this article explaining how to lose belly fat quickly. Avoid potentially dangerous diet drugs, such as Lipo6 and HydroxyCut, as well as fad workout contraptions that are more likely to cause boredom and injuries than anything else.

To achieve your goal, you need to adopt a lifestyle centered on regular exercise and proper eating habits that will speed your body’s metabolism and promote a leaner physique and better overall health.

Although the Ab Circle pro scam may be fictional, there a lot of complaints about the product, with many claiming injuries and others describing cheap parts that wear prematurely. In the end, you don’t need to spend your money on any type of abdominal exerciser; instead, engage in aerobic activities, such as jogging, jumping rope or low-impact exercises that get your heart pumping. This will create a caloric deficit and speed your metabolism – the two fundamental keys stimulating fat loss anywhere on your body.

Paul A. Achoa is a health and fitness expert and not a licensed physician.

By Paul A. Achoa
Health & Fitness Expert