S

#### stb.

help on this one.

What is the value today of 60 months of payments at $580 per month?

The total of the payments is over $34,000.

What is the value today of at change in interest rate from 5.99 to

6.125 on 697,000 for 120 months?

In each case I have assumed a discount rate equal to my new interest

rate of 6.125. I am not sure if that is correct to use or not, but in

any case using PV and NPV in excel I seem to be getting crazy answers,

like less than $20k for the first one and about $1500 for the second

one.

Any guidance here would be most appreciated.

stb.