Borrowing money can be an expensive proposition. Even at relatively low interest rates, you may be surprised at the amount of interest you pay over the life of a loan. This calculator is designed to help you estimate the true cost of that loan you may be considering.       1. How much do you plan to borrow? $ 2. What interest rate do you expect to pay on this loan? % 3. What is the term of the loan (for how long will you be borrowing the money)? Enter in months; e.g., 360 for a 30-year loan. 4. What is your federal marginal tax bracket? 10%15%25%28%33%35%

Keyes & Shipps Financial Group

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Jeffrey Keyes, CLU, ChFC Cell: (315) 345-9262 Email: jkeyes@keyesshippsfg.com Lawrence Shipps, CLU, ChFC Cell: (315) 415-6691 Email: lshipps@keyesshippsfg.com Leslie Shipps, CLU, CLTC Cell: (315) 382-5375 Email: lbshipps@keyesshippsfg.com Syracuse Office: 6390 Fly Road East Syracuse, NY 13057 Fax: (315) 463-8219 Directions to our Syracuse Office Lake Placid Office: 2038 Saranac Avenue Lake Placid, NY 14946 Fax: (518) 523-8105 Directions to our Lake Placid Office

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Securities products offered by New England Securities Corp (NES), Member FINRA, SIPC. Investment advisory services offered by Investment Adviser Representatives of NES, a Registered Investment Advisor.

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