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In an attempt to better my skills at capital allocation, as an exercise I put together an Excel sheet that attempts to calculate the rate of return from an early payment to the principal of a mortgage.  The numbers and situation do not apply to me and the example is strictly math based.  The example I was trying to calculate is:

$100k, fixed 30 year, 4.25%
Person is able to put down $10k (10% of mortgage) at some point during the 30 years
Calculate the return of the early $10k payment

The excel sheet works fine at determining how much principal, interest, and when the loan will complete early.  Due the amortization of the mortgage, the return depends on when the payment is made during the life of the loan.  The trouble I am having is determining the return of the $10k that was paid to the principal early.  I put together a few cases off to the right that try and determine the return.  I dont think any are exactly correct.

Could anyone provide guidance on this calc?

Thanks!
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General Discussion / Re: how do US investors invest in India?
« Last post by smathew on Today at 08:46:46 AM »
Try contacting Kotak Mahindra securities  . I remember they were allowing foreigners to open accounts , though
i couldn't find link now. 
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General Discussion / Re: how do US investors invest in India?
« Last post by Shooter MacGavin on Today at 04:38:57 AM »
Yeah IB didn't let me.  I forget what they had told me about it at the time.  Maybe something like you need to be an Indian citizen but I don't remember.
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Investment Ideas / Re: AAPL - Apple Inc.
« Last post by globalfinancepartners on Today at 04:20:08 AM »
Yes the SE sells really well because itís the smallest. Itís important to remember that pockets on womenís clothing are made unbelievably small. My wife has a 6s but is always considering downgrading back to her 5s. They should keep the SE size for a long time.

Personally, Iíve had the 7+ since it came out and itís been the best phone iíve owned. A little slippery I guess. Maybe the glass ones will help with grip
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Berkshire Hathaway / Re: GAAP earnings vs economic earnings for stock holdings
« Last post by John Hjorth on September 22, 2017, 11:02:37 PM »
Dynamics work on it in Google Sheets can be found here on CoBF.
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General Discussion / Re: Management Questions
« Last post by oddballstocks on September 22, 2017, 07:26:13 PM »
What are pain points that canít be fixed due to cultural issues?
What will be your legacy?
If you could take your best ideas and apply them to a competitor what would you do?
Would you advise your kids to get into this industry?

Can you walk me through the process from raw material to finished product?

The last one is an interview question I love. It shows if candidates actually understand the business they work in. Most dive into some insane details with no relevance. ďWe do a PSDOF for the LDP department so they can XA the TF. If thatís approved it moves forwardĒ an answe like this is screaming ďI have no ideaĒ
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General Discussion / Re: how do US investors invest in India?
« Last post by maybe4less on September 22, 2017, 06:42:41 PM »
Apparently, IB allows you to buy Indian equities.

I think that's only for Indian residents...
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Berkshire Hathaway / Re: GAAP earnings vs economic earnings for stock holdings
« Last post by LongTermView on September 22, 2017, 05:39:31 PM »
Thanks, SlowAppreciation.

I'll look for the spreadsheet and keep an eye out for your post in a month or two.
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General Discussion / Re: Management Questions
« Last post by eclecticvalue on September 22, 2017, 05:25:11 PM »
The first question is good. But the last two, that would be annoying.
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