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Thread: The Maths Thread

  1. #631
    International Vice-Captain Days of Grace's Avatar
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    Thanks! The IF function also works. First time I've used it, tbh.
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    International 12th Man Quaggas's Avatar
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    Cricket Web: All-Time Legend Top_Cat's Avatar
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    Any Bayes model boffins about the place? Trying to delineate the goods and bads between using topic models, Bayes Nets and/or a DST network for some AI applications. Any info about computation time differences I'd be really interested in because they all seem fairly slow. The reason I'm asking is because I'm looking into these as an alternative to a ensemble classifier/NN approaches and there are some Matlab toolkits and CPP programs I can use to implement them. Just wondering whether it's even worthwhile, really.
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  5. #635
    Hall of Fame Member NUFAN's Avatar
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    Simple question, how the **** do you work monthly repayments on a calculator?

    Say you had a $192,000 loan over 15 years at 6.4% - I know the monthly repayment is $1662 after using a mortgage calculator on a banks site, but yeah what is the formula? Please.
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  6. #636
    Hall of Fame Member NUFAN's Avatar
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    Ah forget about it. I know now.

  7. #637
    International Coach uvelocity's Avatar
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    yeah dont tell anyone asshole, i always google it and takes about 4 calculators until you find the one you want
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  8. #638
    International 12th Man Quaggas's Avatar
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    I've heard that in some countries mortgage rates are quoted as annual rates and you compute the payment by dividing the annual payment by 12. Is that the case in Oz? (in the US the rate is always a monthly equivalent yield)

  9. #639
    Hall of Fame Member NUFAN's Avatar
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    Yeah that is true Quaggas.

    How the hell do you calculate this...

    PV = 8.73*PVIFA i=6%,n=2 + 175*PVIFi=6%,n=2.

    In simple terms what do I need to type into my calculator to get the answer for the above? Thanks

  10. #640
    Request Your Custom Title Now! benchmark00's Avatar
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  11. #641
    Hall of Fame Member NUFAN's Avatar
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    Go to 7734 - doesn't work as well on here..

  12. #642
    International Vice-Captain Riggins's Avatar
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    wouldn't you normally just use a pvifa table to get the multiplication factor and then divide your loan amount by that?
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  13. #643
    International 12th Man Quaggas's Avatar
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    Quote Originally Posted by NUFAN View Post
    Yeah that is true Quaggas.

    How the hell do you calculate this...

    PV = 8.73*PVIFA i=6%,n=2 + 175*PVIFi=6%,n=2.

    In simple terms what do I need to type into my calculator to get the answer for the above? Thanks
    2 [N], 6 [I], 175 [FV], 8.73 [PMT], [PV]? (or [CPT] [PV], or equivalent). If ordinary annuity, make sure set to [END], and periods per year (eg [P/Y]) set to 1, assuming this is an annual annuity.
    or
    PV = 8.73/(1+0.06) + 8.73/(1+0.06)^2 + 175/(1+0.06)^2

    If the periodicity is monthly, it's different, but then you'd typically write something like MPVIFA etc

  14. #644
    Request Your Custom Title Now! benchmark00's Avatar
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    My calculator doesn't have letters on it ftr.

  15. #645
    Hall of Fame Member NUFAN's Avatar
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    Quote Originally Posted by Quaggas View Post
    2 [N], 6 [I], 175 [FV], 8.73 [PMT], [PV]? (or [CPT] [PV], or equivalent). If ordinary annuity, make sure set to [END], and periods per year (eg [P/Y]) set to 1, assuming this is an annual annuity.
    or
    PV = 8.73/(1+0.06) + 8.73/(1+0.06)^2 + 175/(1+0.06)^2

    If the periodicity is monthly, it's different, but then you'd typically write something like MPVIFA etc
    Cheers mate and thanks to Riggins too, you've both helped me heaps.

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