Any mortgage brokers here?
I know I probably could figure it out myself but: Me being an artist = bad with math. Willing to compensate you for your time. Please PM me if interested. |
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| my books are packed away, but your local bank probably would lend you one of their lil mortgage books or at least get the info from it. they are like the n.a.d.a. used car booklets in size and would simplify what you're doing. |
| I can do that kind of math with excel pretty easily for fixed rate mortgages. Variables are a little more time consuming but still doable. You want to know the savings of what, your current compared to what, an older note or a potentially new note? And how would you like to see the savings represented, in current dollars or inflated dollars? And what about points (if any)? Do you want them to subtract from savings, or are they to be added to the new note? Head spinning yet? Mine is! |
Ron wrote: Head spinning yet? Mine is! Um yes, and now maybe a good time for me to go to bed.  I'll drop you a note tomorrow night and explain what's up. It's not as simple as comparing fixed rates. and thanks Guest, definitely sounds like asking he bank might be a way to go. |
| There are some decent FREE online tools that let you see the amortization of your mortgage. You just plug in the loan amount, years of mortgage, interest and voila. Here's one: http://mortgage-x.com/calculators/amortization.htm Also some free online tools that let you calculate your mortgage payment, interest paid over the life of the loan, etc. Here's one: http://www.mortgagecalculator.org/ For more detailed information, honestly, a sit down at your local bank can be very helpful. And free. As for artist = bad at math: nonsense. Art is very mathematical, on multiple levels. You may not like arithmetic, but artists use geometry all the time, even if they don't dig out a calculator. And even if you don't like arithmetic, it's a good idea to learn how to use some basic math tools for book keeping, etc. |
| TGIR Thanks for the links! We can debate about using math in art. Yes, geometry, perspective, etc. and yes, I'm sure there are plenty of artists that embrace that. But myself and a lot of peers that I have, will create mostly by eye and what looks good. I can do basic math, but figuring out the algebra part & plugging in formulas I'm clueless. Yes, I can probably figure this stuff out on my own, but I hate working with numbers with a passion. So that is why I am willing to pay someone for help...  |
| Those online calculators are pretty easy: just plug in the numbers and let the program do the work. Personally, I think it's a good idea to have some basic ideas about basic math so you don't get taken when you're buying a car or a loan or getting paid. Enough at least not to be intimidated when someone starts throwing numbers at you and enough to know if they're not being totally honest. Quote: Yes, geometry, perspective, etc. and yes, I'm sure there are plenty of artists that embrace that. But myself and a lot of peers that I have, will create mostly by eye and what looks good. The bolded part? That's mathematics. It's just not math class math. It's way more fun than what we learned in math class. It's a talent, developed and honed through your art and practice and training, etc. I mean, I know no one ever thinks of it that way and maybe that spoils the fun/flow and that artists often look at math as being confining and too structured and some how outside their ken. I don't want you to do that, more like recognize that indeed, this is something that you can and do do--which is really cool so give yourself the credit. Most people recognize that music is mathematical, on certain levels, even if the composers and musicians don't always think of it that way. Visual arts utilize mathematical principles, too. Even abstract art. Those online calculators are pretty easy: just plug in the numbers and let the program do the work. |
VerveUp wrote: We can debate about using math in art. Yes, geometry, perspective, etc. and yes, I'm sure there are plenty of artists that embrace that. But myself and a lot of peers that I have, will create mostly by eye and what looks good.  I think you can make a better argument for the math & music connection, and even there I think it's mostly subconscious, thus not potentially scaring the artist off, I guess.  Says she who used to specialize in tutoring people with math anxieties in college. Though it's true that good spatial sense is useful in many ways, so...who knows? KB |
| Mathematics in music is more recognized today because music has more prestige. In fact, imo, most people are not at all conscious of exactly how art influences their lives. Here's a wiki link, very brief overview: http://en.wikipedia.org/wiki/Mathematics_and_art |
| This conversation is amusing to me tgir, because your arguments to convince an artist that they can do math, sound so similar to my own (frequent) arguments to convince supposedly "uncreative" folk (like accountants?) that they can make art I always had a rough time with math in school...not because I couldn't come up with the right answers, but because I could never seem to get there by the route my teachers wanted me to. I got pretty math "phobic'' by the time I got to college, and it wasn't until much later that I learned that "higher" mathematics involves creativity and intuition. Rows of numbers still make me tense though   and here it is, tax time too.  |
ravenmoonart wrote: I always had a rough time with math in school...not because I couldn't come up with the right answers, but because I could never seem to get there by the route my teachers wanted me to. : Funny that you say that. I always think I learn things the hard way in that avenue as well. For instance, I played a mean Trombone in high school. Even got a tiny scholarship. I did not learn how to play by reading music properly. I learned by seeing & memorizing where that little oval sat within the lines, and I knew what position to move the slide and what pitch I needed to be in. I think it would have been far easier if I actually learned to read music. Not sure why I could never grasp it. I even took music theory classes and did poorly - but I could play the instrument just fine. And Kristine that is very cool that you tutored those kind of people, so I guess you experienced the mental blocks first hand. I was doing very poorly in a college accounting class once, and a friend of mine tutored me and explained things so well that I ended up getting an A. That was a huge accomplishment for me... |
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