Sparkman, Shepard & Morris, P.C.

The Personal Finance Page

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Please choose from the following: Download Free Forms Calculate Payments and Interest Research Property Values Try Other Useful Links

Download Free Personal Finance Forms

Form Format(s) Available Description

Social Security Request Letter	Microsoft Word PDF (Adobe Acrobat)	Form for requesting information from the Social Security Administration regarding your reported earnings and estimated future benefits. It is important that you sign the letter and retain a copy for your records. The Administration should respond within about 6 to 8 weeks.
School Records Request Letter	Microsoft Word PDF (Adobe Acrobat)	Form for requesting records from educational institutions, under the Family Educational Rights and Privacy Act. Be sure to sign it and attach any necessary documentation, such as a check for copying fees.
Personal Estate Worksheet	Microsoft Word PDF (Adobe Acrobat)	Use this information form to help you organize and plan your personal estate. Fill it out and bring it with you if you come in to see us for a consultation about a will, a trust or other personal finance matters.

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Calculate Payments and Interest

* Enter percentages in whole numbers. For example, input 7.5 instead of .75.

Compound Interest Calculator

Principal	Months 1 = .08 2 = .17 3 = .25 4 = .33 5 = .42 6 = .50 7 = .58 8 = .67 9 = .75 10 = .83 11 = .92
Rate
Years
Amount
Interest

Mortgage/Loan Analyzer

Loan Amount
Down Payment %
Term of loan in years
Interest Rate in %
Extra Payment

Down Payment
Monthly Payment
Total Payback
Total Interest

With Extra

Total Paid
Total Interest
Savings
Pay off in Months

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Research Real and Personal Property Values

Real estate ownership and tax values are available online in some Alabama counties. Just click on the name of the county where your real property is located:

Autauga	Baldwin	Cullman	DeKalb
Etowah	Lauderdale	Lee	Limestone
Mobile	Morgan	Russell	Tuscaloosa

Values for new and used automobiles, trucks, motorcycles and manufactured homes are also available online:

NADA Guides (new and used values for vehicles and manuf. homes) GO THERE

Kelley's Blue Book (new and used vehicle values) GO THERE

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Other Useful Links

Zip Code Directory (find a city’s zip code or all cities in a zip code) GO THERE

Area Code Directory (find a city’s area code, county and time zone) GO THERE

U.S. Telephone Directory (online White Pages and Yellow Pages) GO THERE

Reverse Directory (find a person using a telephone number or address) GO THERE

Secretary of State Search (find corporations and LLC’s registered in Alabama) GO THERE

LeCroy CPA Group (accounting services in north Alabama) GO THERE

Pamela Shepard/Keller Williams (realtor services in north Alabama) GO THERE

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If you need assistance with a legal problem, e mail us
at mail@tshepard.com or contact us at:

P.O. Box 19045 Huntsville, Alabama 35804

Tel:  (256) 512-9924 Fax: (256) 512-9837

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© 2004 Sparkman, Shepard & Morris, P.C., Attorneys at Law.  This site last modified August 10, 2004.