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Reply: 4.2 From: Sim' Hampel Great, thanks Michael... this is exactly the type of discussion I was hoping to encourage. I will have a look into adding some capital gain analysis into the equations and see how that affects things. I expect that I will be able to show that at a certain level...

Reply: 2.2 From: Sim' Hampel Very good point TW... after some discussions late last night on the chat room, I was going to follow up with a rebuttal to my own post (I'm good at that !) basically outlining some of the points that GoAnna has already raised. As to what I use myself... nothing...

From: Sim' Hampel After a discussion the other day with someone about the time value of money and the effects on IO loans versus P&I loans, I decided to do some analysis. I have made up a spreadsheet in Excel that calculates the Net Present Value of a stream of loan payments. First some...