ࡱ> ts k\p Randy Johnson B=h,#8X@"1=Arial1=Arial1=Arial1=Arial1=Arial1=Arial1=Arial1=Arial1=Arial1=Arial1=Arial1=Arial1=Arial1=Arial1=Arial1=Arial"$"#,##0_);\("$"#,##0\)"$"#,##0_);[Red]\("$"#,##0\) "$"#,##0.00_);\("$"#,##0.00\)%""$"#,##0.00_);[Red]\("$"#,##0.00\)5*2_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_),))_(* #,##0_);_(* \(#,##0\);_(* "-"_);_(@_)=,:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_(@_)4+1_(* #,##0.00_);_(* \(#,##0.00\);_(* "-"??_);_(@_)                + ) , *      8 ``i̜̙3f3333f3ffff333ff333f33f33BBB Sheet2 &Sheet1 k y  dMbP?_*+%"b??NJU T0bbbbb@@bf>b0bSample@%@D?~ ? ? DD%?D?@L?~ ?? LL@L?@~ ??@@~ ??@@~ ??@@~ @?@@~ @?@@%@D?~  ? DD%?D?@ L?~ ? LL@ L?@~ ?@@~ ??@@~ ?@~ ??@@~ ??@@~ ??@@~ ?@~ @?@%@D?~ @?@@~  @?@0 kkkkkkkkkkkkku]>0Z  A@,>lt=>  k'p= ף@))\(@MHP LaserJet IIIP@g,,JT0bbk0 @MSUDNHP LaserJet IIIPd "d,,??3 [Book3]Sheet1I323   4 3QQ;Q;34E4D FA, 3OT  3  & 43*#4523  43" $%3O& Q444%f 3Op C&Q 41 11.2 - Rate vs. Fee Alternatives- 30 year loan '44 @@@@@@@?@ @ @ @ @ @ ]>PZ #< @C>lt=>  k'Q?)(\@MHP LaserJet IIIP#<@g,,JT0bbk0 @MSUDOHP LaserJet IIIPd "d,,??3 [Book3]Sheet1.323   4  3QQ;Q;3 33     3343 33     334E4D FA 3OW 3  & 43*@??#! 4%Y G83Oh&Q <9Figure 11.3 - Rate versus Fee Alternatives - 15-year Loan'4523  43" $%3O&Q444%QX3O& Q Years to Break Even'44 @@@@@@@@@ @ @ @ ? @@@@@@@@@ ]>p A@F>H+lt=>  k)RQ@MHP LaserJet IIIPp@g,,JT0bbk0 @MSUDOHP LaserJet IIIPd "d,,??3@=?323   4 3QQ;Q;3 33     3343 33     334E4D FAP k3Oa 3 #43*#! 4%W Iy3O&Q <9Figure 11.2 - Rate versus Fee Alternatives - 30-year Loan'4523  43" $%3O& Q444%Q3O&Q Years to Breakeven'44      =h,#8X>    k (n(/J0  dMbP?_*+%&APage &P&ffffff?MHP LaserJet IIIPen versus Fee A 8DR "d??U} } I}   (hT0?b@?@b?@?@?@?@?b@?@b ?@ ?@ ?b@ ?0@T ?@?0@?@?;0@?b@?b@?0@?@?@?@ DISCOUNT POINT WORKSHEETAdd'l cost to getdivide by 1/8 to get RatePointsnext lower rateyears to break-even@?"Fill - in the bold numbers%@D?~ ? ? DD%@D?%@D?~ ? ? DD%@D?%@D?~ ? ? DD%@D?%@D?~ ? ? DD%@D?# Expand to here if necessarySample@?%@D?~ ? ? DD%@D?%@D?~ ? ? DD%@D?%@D?~ ? ? DD%@D?%@D?~ ? ? DD%@D?25$>\<''T0' See sheet two-]>P>% A@Y>,lI>  k&APage &P"PagP??3??323   4 3QQ; Q; 34E4D FA 3O3 43*#! 4523  43" $%3O&Q4444  ]>p H A@[>(-lI>  k"p??3?323   4 3QQ;Q;34E4D FA1 k 3O} 3 #43*#! 4523  43" $%3O& Q4444  =h,#8X> " Oh+'0\HPh Randy JohnsonltRandy JohnsonltMicrosoft Excel@3;@?D G# BN&" WMFC hNhnXZ# EMFhnW  X!" 1 """)))UUUMMMBBB999|PP3f333f3333f3ffffff3f̙3ff333f333333333f33333333f33f3ff3f3f3f3333f33̙33333f333333f3333f3ffffff3f33ff3f3f3f3fff3ffffffffff3ffff̙fff3fffff3fff333f3f3ff3ff33f̙̙3̙ff̙̙̙3f̙3f333f3333f3ffffff3f̙3f3f3f333f3333f3ffffff3f̙3f3ffffffffff!___www0 4!" !" ![ &% % 6Ml!??"% 6"Ml"""!??3% 63Ml333!??D% 6DMlDDD!??U% 6UMlUUU!??f% 6fMlfff!??w% 6wMlwww!??% 6Ml!??% 6Ml!??% 6Ml!??% 6Ml!??% 6Ml!??% 6[MlZZ!??Z% 6ZMlZZZ!??% 6Ml!??% 6Ml!??% 6Ml!??Z% 6ZMlZZZ!?? % Ml!?? % ( &% % 6Ml!??% 6Ml!?? % ( &% % 6Ml!??% 6Ml!??   % RLArial!M % TT !AA LP1   % ( &% 6Ml!??   TT #2AA #LP2   #% 6#Ml###!??   TT 4CAA 4LP3b   4% 64Ml444!??   TT ETAA ELP4<   E% 6EMlEEE!??   TT VeAA VLP5   V% 6VMlVVV!??   TT gvAA gLP6   g% 6gMlggg!??   TT xAA xLP7   x% 6xMlxxx!??   TT AA LP8   % 6Ml!??   TT AA LP9   % 6Ml!??   TXAA&" WMFC h.hnLP10   % 6Ml!??   TXAALP11   % 6Ml!??   TT6>AA6LPA    % 6Ml!??   TTv~AAvLPB    [% 6[Ml[[[!??   TTAALPC    % 6Ml!??   TTAALPD    % 6Ml!??   TT6>AA6LPE    % 6Ml!??% % % " ! [  % % TpH!AALXSample  Tl8#W2AA8#LX7.875TT#2AA#LP0Td?4WCAA?4LT7.75Tlx4CAAx4LX0.125Tl4CAA4LX0.125TT4CAA4LP1Tl8EWTAA8ELX7.625TlxETAAxELX0.375TdETAAELT0.25TTETAAELP2T`FVWeAAFVLT7.5TdVeAAVLT0.75TlVeAAVLX0.375TTVeAAVLP3Tl8gWvAA8gLX7.375TlxgvAAxgLX1.125TlgvAAgLX0.375TTgvAAgLP3Td?xWAA?xLT7.25TdxAAxLT1.75TlxAAxLX0.625TTxAAxLP5Tl8WAA8LX7.125TdAALT2.25T`AALT0.5TTAALP40TTQWAAQLP70TdAALT2.75T`AALT0.5TTAALP4l% % " ![  ( &% % 6ZMlY@!??"% 6Z"Ml"Y""@!??3% 6Z3Ml3Y33@!??D% 6ZDMlDYDD@!??U% 6ZUMlUYUU@!??f% 6ZfMlfYff@!??w% 6ZwMlwYww@!??% 6ZMlY@!??% 6ZMlY@!??% 6ZMlY@!??% 6ZMlY@!??% 6ZMlY@!??% 6Ml!??Z% 6ZMlZZZ!??% 6Ml!??% 6Ml!??% 6Ml!??Z% 6ZMlZZZ!??% % % "&" WMFC hhn !  [[0 4% % % !% % % " !% % % " !% % % " !% % % " !  &% % +% % % " !  &% ( % % V0!!!&% (   !% 666!6!&% ( !% 6!6!6!w6!w^6!^D6!D+6!+6!!6!6!Y6Y666868o6o6% % % " !  % % % " !  % % % " !  &% (  =% '% 6uwuw6^^6^^6++6SDSD6D'% (    % +:?=% % % " !  % % +rtwyuw% % % " !  % % +[`^% % % " !  % % +[`^% % % " !  % % +(-+% % % " !  % % +PAUFSD% % % " !  % % +AFD% % % " !  % % % " !  % % % " !  % % % " !  G   % RLArial% TtAAI1L 11.2 - Rate vs. Fee Alternatives- 30 year loan            % % % " !  % % % " !  % % % " !   % RLArial Points at Constant Rae+$kMMMO% TTAALP0TTAALP1TTAAoLP2TTAAVLP3TTAA<LP4TTAA#LP5TTAA LP6% % % " !  % % % " !   % RL ArialMMMMM<*% TlAA6LX7.875RL  Arial./012356789:;<=>?@ABCEFGHIJK% ( RL ArialZ[\]^_`abcdefghijklmnopqrstuvwx% TdAAnLT7.75% ( RL Arial% TlAALX7.625% ( RL Arial% T`AALT7.5J&WMFChhn% ( RL Arial     !"#$%&'(% TlAALX7.375% ( RL ArialFGHIJKMNOPQRSTUVWXYZ[]^_`abc% TdAALLT7.25% ( RL Arial% TlAALX7.125% ( % % % " !  % % % " !  &% (  % '% +% ( % ( % % % " !  " [!  " !  " K@0 [[  % % " ! [ ( &% % 6[MlZ[!??% 6Ml!??% % "  """)))UUUMMMBBB999|PP3f333f3333f3ffffff3f̙3ff333f333333333f33333333f33f3ff3f3f3f3333f33̙33333f333333f3333f3ffffff3f33ff3f3f3f3fff3ffffffffff3ffff̙fff3fffff3fff333f3f3ff3ff33f̙̙3̙ff̙̙̙3f̙3f333f3333f3ffffff3f̙3f3f3f333f3333f3ffffff3f̙3f3ffffffffff!___www  [' """)))UUUMMMBBB999|PP3f333f3333f3ffffff3f̙3ff333f333333333f33333333f33f3ff3f3f3f3333f33̙33333f333333f3333f3ffffff3f33ff3f3f3f3fff3ffffffffff3ffff̙fff3fffff3fff333f3f3ff3ff33f̙̙3̙ff̙̙̙3f̙3f333f3333f3ffffff3f̙3f3f3f333f3333f3ffffff3f̙3f3ffffffffff!___www45'',[ -- @ !"-" @ !"3-3 @ !3D-D @ !DU-U @ !Uf-f @ !fw-w @ !w- @ !- @ !- @ !- @ !- @ !-[ @ !ZZ-Z @ !Z- @ !- @ !- @ !Z-Z @ !Z - @ ! --- @ !- @ ! --- @ !- @ ! - Arial??c- 2  1m -- @ !  2 # 2m #-# @ !#  2 4 3m 4-4 @ !4  2 E 4m E-E @ !E  2 V 5m V-V @ !V  2 g 6m g-g @ !g  2 x 7m x-x @ !x  2 8m - @ !  2 9m - @ !  2 10 - @ !  2 11 - @ !  2 6Am  - @ !  2 vBm  [-[ @ ![  2 Cm  - @ !  2 Dm  - @ !  2 6Em  - @ !--"System.@:b}-' ,[ --2 Sample  2 #87.875 2 #0m 2 4?7.752 4x0.1252 40.125 2 41m2 E87.6252 Ex0.375 2 E0.25 2 E2m 2 VF7.5 2 V0.752 V0.375 2 V3m2 g87.3752 gx1.1252 g0.375 2 g3m 2 x?7.25 2 x1.752 x0.625 2 x5m2 87.125 2 2.25 2 0.5 2 4m 2 Q7m 2 2.75 2 0.5 2 4m--',[ --Z @ !@"-"Z @ !@"3-3Z @ !@3D-DZ @ !@DU-UZ @ !@Uf-fZ @ !@fw-wZ @ !@w-Z @ !@-Z @ !@-Z @ !@-Z @ !@-Z @ !@- @ !Z-Z @ !Z- @ !- @ !- @ !Z-Z @ !Z---' ,[,[5- -----'---'---',:h---',:h - --R---' ,:h-  - -$n99nn9-  9n- 9n9n-  - njnjnjnjnljlnSjSn9j9nnnnMM---' ,:h---' ,:k---' ,:k-  - - 1Sill-   - ---' ,:k- - ---' ,:k- - ---' ,:k- - 4.1---' ,:k- - VlPfSi---' ,:k- - oil---' ,:k- - oil---' ,:k---' ,:k---' ,:h---' , - Arial???????- Q2 1 11.2 - Rate vs. Fee Alternatives- 30 year loan            ---' ,:h---' ,:h---' ,:h-  Arial- 2 ]0m 2 ]1m 2 ]2m 2 ~]3m 2 d]4m 2 K]5m 2 1]6m---' ,:h---' ,:h-   ArialMA?A??<??-2 7.875  ArialIiIi??-  ArialSsSsSs- 2 7.75-  Arial??I??l-2 7.625-  ArialiOoUuUu- 2 *7.5-  Arial???????-2 b7.375-  Arial??????- 2 7.25-  Arial???????-2 7.125----' ,:h---' ,:h-  -- -R- ----' ,:h' ' ',[ --' ,[ --[ @ ![- @ !--' @՜.+,00 8@ H f Sheet2Sheet1  Worksheets  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijlmnopqrRoot Entry@@@F@֩ L 1DBook@@@@@ he @7@SummaryInformation_ l@e(       DocumentSummaryInformation8 (k