AnalyticLunatic's Profile User Rating: *****

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Icon   AnalyticLunatic is the Nap Ninja

Posts I've Made

  1. In Topic: What are you working on today?

    Posted 30 Jun 2015

    Working through some Member Correspondence related PIR's. Last night played Bocce with the Girlfriend and our team is now 3-3 for the Summer Season. Meeting the folks for Dinner later down South so I can pickup the new tags for my Car. Just kind of trudging through the week until Thursday is over -- afterward going Hashing and celebrating the 4th a bit early.
  2. In Topic: What are you working on today?

    Posted 10 Apr 2015

    Today I'm having a Lunch Date (2nd meeting) with a new possible romantic interest, and trying to figure out why an application published to production intranet server renders fine in IE/Firefox/Chrome on my end, but for everyone else (seemingly using the same version of IE) are experiencing a missing navbar, missing bootstrap glyphicons (though bootstrap button classes are clearly being applied), and page width is completely off in the Browser window. Data and other components are present, but something with the general CSS or Bootstrap definitely seems to be going wonky.

    No idea why it's just them though.... :/
  3. In Topic: Excel: Paying off hypothetic loan in 25yrs vs. 30yrs?

    Posted 17 Feb 2015

    Thanks, good catch on row 196 in my spreadsheet having an error in the Formula. But now I'm still left unable to answer the second question still?

    In the spreadsheet shown in Figure 9.4, what is the effect of a prepayment of $200 per month?
    • With the original prepayment of $100, my updated spreadsheet shows Month 269 having a balance of $303.62 and being paid off inf Month 270 with a negative balance of $895.00.
    • A $200 prepayment results in Month 220 having a balance of $561.31 and being paid off in Month 221 with a negative balance of $735.59.


    So the effect is the loan is payed off 50 months sooner (a little over 4 years quicker?)

    What prepayment would be necessary to pay off the loan in 25 years instead of 30?

    I'm still lost on this question. The original loan amount is not taking 30 years to be paid off...?
  4. In Topic: Excel: Paying off hypothetic loan in 25yrs vs. 30yrs?

    Posted 17 Feb 2015

    Thanks for replying astonecipher, but I'm still a bit lost?

    View Postastonecipher, on 16 February 2015 - 03:50 PM, said:

    Quote

    One of the questions in my book goes like so: `In the spreadsheet shown in Figure 9.4, what is the effect of a prepayment of `$200` per month? What prepayment would be necessary to pay off the loan in 25 years instead of 30?`


    The loan would be paid off in 221 months ( at month 220 the balance would be $561).


    Can you elaborate this? My spreadsheet is showing (with a $200.00 prepayment) the balance being $561.31 at month 223, and then crossing into the negative range (payed) in month 224.

    View Postastonecipher, on 16 February 2015 - 03:50 PM, said:

    Quote

    On the first question (in my current spreadsheet for Figure 9.4) The effect of a prepayment being `$200` per month changes the loan to have a [Total Payment] of `$1,300.65` vs the original `$1,200.65`. This difference in total payment results in the loan (in my spreadsheet) being paid off in month 247 vs month 273.


    The original payment is $110.65, not 1200.65 ( that comes from the $100 prepay value).


    Is this a typo? The [Normal Payment] is clearly listed at $1,100.65 in the original problem (with [Prepay Amount] of $100.00) for a [Total Payment] of $1,200.65...?

    View Postastonecipher, on 16 February 2015 - 03:50 PM, said:

    Quote

    On the second question `What prepayment would be necessary to pay off the loan in 25 years instead of 30?` I am totally lost. Can anyone help guide me here? I'm thoroughly confused as from what I am reading, the original loan with a prepayment of $100 is not even taking 30 years to pay off!? (272 months / 12 = 22.66666667 months...??!?)


    You are factoring in the info on the image, which adds a $100 prepayment value raising the payment. Just paying the default payment ( $1100.62 ) The loan would be paid in 360 payments ( 30 yrs ). So, if you changed the prepayment value down to $50, what do you get?


    ... I"m completely lost. If I just consider the [Normal Payment] each month of $1,100.65 and multiply that by 360 months (30yrs) the total amount paid is $396,234 -- far above the loan amount of $150,000!?

    If I change the [Prepay Amount] down to $50, the following occurs:

    [Normal Payment] - Still at $1,100.65
    [Prepay Amount] - $50.00
    [Total Payment] - $1,150.65
    Month 308 with a balance of $1,127.78 and Month 309 crossing into paid off with negative $15.35....?
  5. In Topic: What are you working on today?

    Posted 21 Jan 2015

    Not working on too much today IT wise. Trying to sort through some personal matters in my relationship without lashing out (words/the wall) and without imploding into a bottle of Scotch.

My Information

Member Title:
D.I.C Lover
Age:
23 years old
Birthday:
September 14, 1991
Gender:
Location:
Missouri
Years Programming:
3
Programming Languages:
Proficient: Visual Basic, VB.Net, VBA,
Pretty Good: Java, JavaScript, T-SQL
Dabble: Android, Python, C#, PHP, MYSQL, COBOL
Dislike: Flash-ActionScript

Contact Information

E-mail:
Click here to e-mail me

Comments

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  1. Photo

    VeronicaB Icon

    25 Jun 2014 - 19:39
    AYE PAPA
  2. Photo

    VeronicaB Icon

    20 Nov 2013 - 08:07
    Of course I remember you. I was simply greeting you as the new demon queen. silly goose
  3. Photo

    VeronicaB Icon

    20 Nov 2013 - 07:51
    Yes, I am the new demon queen. Nice to meet you :)
  4. Photo

    VeronicaB Icon

    20 Nov 2013 - 07:36
    I sure am alive, I died for a couple of months, but ended up resurrecting and now im here!
  5. Photo

    BenignDesign Icon

    07 May 2013 - 14:16
    Thank you! :)
  6. Photo

    VeronicaB Icon

    25 Apr 2013 - 18:36
    Thank you for your welcome! :) And yes! its always cool to know people who share your birthday!
  7. Photo

    .Aaron Icon

    15 Jan 2013 - 22:34
    And now that the eye catcher is passed, I noticed you profile pic is a Lost Prophets cover, sweet. That was a good album.
  8. Photo

    .Aaron Icon

    15 Jan 2013 - 22:32
    Wow... that is a LOT of things liked bars. 0_0
  9. Photo

    AthenaDX Icon

    08 Nov 2012 - 10:49
    I know right? *holds apprentice trophy* I'd like... to thank... the little people. *bursts into tears* XD
  10. Photo

    sam_writes_code Icon

    06 Nov 2012 - 16:03
    Thank you for the welcome. :)
  11. Photo

    Redcoder Icon

    24 Oct 2012 - 15:46
    Thanks mate for the heads up. I had forgotten to include a sub-directory in the url.
  12. Photo

    Sergio Tapia Icon

    19 Oct 2012 - 10:31
    No problem! Glad you found it useful. :)
  13. Photo

    ILoveJava Icon

    04 Oct 2012 - 05:03
    On the way to becoming a professional chef. ;) But if you like Asian food, I would suggest this recipe. http://www.sbs.com.au/food/recipe/8167/Lemongrass_chilli_chicken_(ga_xao_xa_ot)/search/true
    Read the comments first though and take them into account, otherwise the recipe may not turn out right as lemongrass is incredibly hard to dice without freshly whet stone sharpened knives.
  14. Photo

    .Aaron Icon

    01 Oct 2012 - 11:36
    Analytic Lunatic... I like the name! [insert thumbs up emoticon here]
  15. Photo

    Pawls Icon

    13 Aug 2012 - 13:39
    Ok.
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