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2) Total Fixed Payment to Effective Income. Add up the total mortgage payment (principal and interest, escrow deposits for taxes, hazard insurance, mortgage insurance premium, homeowners' dues, etc.) and all recurring monthly revolving and installment debt (car loans, personal loans, student loans, credit cards, etc.).
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Impact of The Federal Defense of Marriage Act (DOMA) – Tax Years Prior to 2013: The terms "marriage" and "spouse" differed in meaning between Massachusetts and federal law. The Federal Defense of Marriage Act (DOMA) stated that the word "marriage" meant only a legal union between one man and one ...
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