1. Thanks! The IF function also works. First time I've used it, tbh.

2. That's awesome.

3. 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.

4. 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.

5. Ah forget about it. I know now.

6. yeah dont tell anyone asshole, i always google it and takes about 4 calculators until you find the one you want

7. 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)

8. 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

9. 8008135

10. Go to 7734 - doesn't work as well on here..

11. wouldn't you normally just use a pvifa table to get the multiplication factor and then divide your loan amount by that?

12. Originally Posted by NUFAN
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

13. My calculator doesn't have letters on it ftr.

14. Originally Posted by Quaggas
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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