 # Handy Numbers for Various Occasions

### Mortgage Calculations

Suppose you want to know roughly how much mortgage payments will be given a fixed rate and for various amounts of principal financed. Find the rate from the table below and use the multiplier/divisor from the column for the length of your planned loan. To find the payment, divide the known principal by the divisor, to find the principal, multiply the known payment by the multiplier (the same number). Your results should be close to those given you by a lender (but I make no guarentees they will be correct so caveat emptor).

Interest
Rate

30
Year
Loans

15
Year
Loans

4.0% 209.46 135.19
4.5% 197.36 130.72
5.0% 186.28 126.46
5.5% 176.12 122.39
6.0% 166.79 118.50
6.5% 158.21 114.80
7.0% 150.31 111.26
7.5% 143.02 107.87
8.0% 136.28 104.64
8.5% 130.05 101.55
9.0% 124.28 98.59
9.5% 118.93 95.76
10.0% 113.95 93.06

### Temperature

Converting temperatures between Celsius and Fahrenheit is quite easy. You must remember two simple facts. First, the point where the two scales cross the freezing point is different (0 for Celsius and 32 for Fahrenheit). Second, a single Celsius degree is equal to 1.8 Fahrenheit degrees. So, to convert a Celsius temperature to Fahrenheit, multiply by 1.8 and add 32. To convert a Fahrenheit temperature to Celsius, subtract 32 and divide by 1.8.