.2   -68770.9         -70699.2
	 3         -82457.7   -84116.1         -86777.6
	 4         -96087.4   -98195.3        -101461
	 5        -108567    -111119          -114878
	 6        -120001    -122990          -127144
	 7        -130487    -133898          -138364
	 8        -140110    -143929          -148634
	 9        -148410    -153159          -158041
	10        -155531    -161658          -165656
	11        -162092    -169489          -172647
	12        -168146    -176711          -179071
	13        -173738    -183375          -184979
	14        -178910    -189532          -190419
	15        -183701    -195223          -195434
	16        -188145    -200490          -200063
	17        -192274    -205369          -204341
	18        -196115    -209892          -208301
	19        -199695    -214091          -211970
	20        -203037    -217992          -215376
	21        -206161    -221621          -218542
	22        -209087    -225002          -221490
	23        -211832    -228154          -224240
	24        -214412    -231096          -226809
	25        -216841    -233847          -229212
	26        -219131    -236422          -231466
	27        -221294    -238836          -233582
	28        -223341    -241101          -235574
	29        -225282    -243229          -237451
	30        -227123    -245232          -239223

#### Discussion
In this example, **Loan1-maxDown** provides the best NPV at year 10 due to a much lower monthly cost, despite the higher upfront investment in down payment. Because the points payment is sunk at the outset when it's the most costly (in NPV terms), **Loan2** never ends up coming out ahead of the others.  This goes to show why many people think that points are rarely worth it, especially if you don't plan to stick out the term of the loan or never refinance. I found this tool to be incredibly useful when comparing multiple mortgages with varying terms and parameters, and I hope you do too.

----------------

#### Assumptions
- The housing market will not deviate from the average inflation. Obviously not a good assumption since housing depends on location and other factors, but unless one can forecast the sale price of the house, simply applying inflation to the current price is the most reasonable course of action.  

- The average inflation and market growth rate will be constant. Again obviously this cannot be the case, but it's a reasonable assumption given that the future is unknowable.

- You will not get out of PMI early (if applicable) through an assessed home price increase. This is possible but most people won't do it.

- Default market parameters:
	- Default inflation value of 2%. In the US, this is the stated inflation target, so it's a fair assumption.
	- Default market growth rate of 7%, which is considered the average (minus inflation) in modern times.
	- Default agent fee of 6% (buyer and seller 3% each), paid at the time of sale. It's a scam for sure, but unless you go rogue, you're stuck with it.

------------------

{:.disclaimer}
Disclaimer: I am not a lawyer, financial advisor, or mortgage expert, just a lowly software developer who learned some things through the home-buying process. Use this tool at your own risk.
As Allegri put it, at some point somebody has to bite the dust. Lichtsteiner was the first one to cause problems, supposedly pushing for a transfer out. At least he didn't misbehave in front of the cameras. Then Dybala blatantly refuses the coach's handshake after being subbed out. He got away with 'being young' and some preaching from the seniors in the squad. Now it's Bonucci and apparently unless you start going rough on the players you're going to loose them (see Mourinho and Chelsea last year). 

It looks rough and it might be a bit unfair to Leo, but I believe it's for the greater good of the team.She's only the fifth woman to grace the issue's cover three times.
Kate Upton is joining a who's who of iconic hotties this year with her third cover of the famed Sports Illustrated Swimsuit issue. "Wow, I feel so honored and excited to be back with Sports Illustrated!!," she wrote on Instagram.
The only women to pull off the trifecta before her were Tyra Banks, Heidi Klum, Christie Brinkley and Elle Macpherson, who holds the all-time record with five appearances on the cover. Upton, who's only 24, may not be done either.
For 2017, Upton will grace three different covers, as you can see above. On two of them she's topless. Which is her favorite? Let's let her tell you.
In addition to Upton, this year's SI Swimsuit Issue will feature Chrissy Teigen, Samantha Hoopes and Hannah Jeter.
Finally, please enjoy this behind-the-scenes video from Kate's 2014 shoot.From what I've read, none of the injuries were considered serious enough to warrant taking anyone to the hospital. It was mostly breathing problems and skin irritations. The jet in question landed safely, by the way.

That said, in  my opinion, Delta (the airline responsible) now has its work cut out for it. The children (and the adults as well) may suffer breathing issues long-term. They may develop skin problems, too.

Additionally (perhaps more importantly, even), there could be unseen psychological injury. The incident could make some of the children anxious about going outside ("what if someone drops more jet fuel on me?"), or cause them to experience anxiety whenever a plane flies overhead. Delta also needs to make sure the school is clean and safe. Every surface in the playground, perhaps on the whole exterior school campus, may need to be cleaned.

I hope this won't get brushed aside ("all's well that ends well") because the injuries weren't "serious". And I hope Delta will be proactive in taking the first steps to make things right.I don’t know any­one else who believes in inter­pret­ing Dar­win lit­er­al­ly. He pub­lished 6 edi­tions of the Ori­gin in his life­time, and was work­ing on the “Big Species Book” until he died. Even he did­n’t believe in inter­pret­ing every word as the exact truth.
Sure­ly, Dem­b­s­ki knows that sci­ence oper­ates by con­stant­ly revis­ing the col­lec­tive under­stand­ing. Sure­ly he does­n’t think that any­one is teach­ing a pre­sup­po­si­tion­al apolo­getic, lit­er­al­ist inter­pre­ta­tion of any sci­ence text.
The only rea­son to post that car­toon is to claim that IDC is a form of lit­er­al Bib­li­cal interpretation.According to the Darwinian story, chimps and other big mammals should certainly be much smarter that tiny ants who have a minuscule brain.
However, ants seem to defy this dogma at almost every turn. Even evolutionists believe that they created an elaborate farming system some “25 million years” ago.
Ants are living fossils that haven’t changed in “100 million years".
Today’s ants seem to know basic mathematics, and are able to build impromptu bridges and living rafts, for instance.
“Germination … splits the tough husk, making the seed contents available as food for the ants. A single large seed may have nutritional value of 15 smaller seeds, so it makes sense to collect it and wait for it to crack open. Seeds from various species germinate at different times, which may give the ants a steady supply of their ‘crop’ ”.
The Bible describes ants as very industrious creatures and it definitely is true.
Simičević, Vedrana. 2017. Harvester ants farm by planting seeds to eat once they germinate. New Scientist (13 January).When we speak about wisdom teeth, it's typically in terms of the reality that they are affected. This suggests that a person or more knowledge teeth are actually rooted somewhere in the jawbone. Although this is quite typical, it isn't a requirement for you to be dealing with any considerable health and wellness issues. Only a tiny percent of people wind up wisdom teeth removal Lynnwood due to the fact that the influenced tooth