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phoenix_orb (2:29:02 PM): How is work today?
phoenix_orb (2:30:11 PM): How is work today?
Nichole (2:29:30 PM): fine
phoenix_orb (2:35:25 PM): well that is good
Nichole (2:33:38 PM): and you?
phoenix_orb (2:36:18 PM): pretty good, I had lunch today at Maggiano's in Buckhead today :)
Nichole (2:34:32 PM): :-&
phoenix_orb (2:38:04 PM): what is your problem?
phoenix_orb (2:38:24 PM): oh the smiley?
Nichole (2:36:40 PM): I have asked you not to use those gay little smiley faces and you can never seem to remember anything we talk about
Nichole (2:36:51 PM): whats your problem
phoenix_orb (2:39:06 PM): talking on a conference call right now
phoenix_orb (2:41:41 PM): How old are you?
phoenix_orb (2:41:59 PM): I can't remember the exact age. 23 right?
Nichole (2:39:58 PM): why
phoenix_orb (2:43:04 PM): Just wondering. Actually I was also going to ask your birthday. You are a summer baby right?
phoenix_orb (2:43:07 PM): July?
Nichole (2:41:28 PM): nope
phoenix_orb (2:43:41 PM): Age? Birthday
Nichole (2:42:51 PM): age would be the amount of years since you were born (i.e. your birthdate)
phoenix_orb (2:45:33 PM): and that would be?
Nichole (2:44:03 PM): sorry, I just don't understand all of your questionmarks and what they mean
phoenix_orb (2:46:15 PM): How old are you?
phoenix_orb (2:46:20 PM): What day were you born on?
phoenix_orb (2:46:26 PM): What year were you born?
phoenix_orb (2:50:02 PM): ??
Nichole (2:49:22 PM): ???
phoenix_orb (2:52:42 PM): ????
phoenix_orb (3:32:32 PM): no answer as to your birthday
phoenix_orb (3:32:33 PM): ?
Nichole (3:30:57 PM): nope - none of anyone's business - why do you need it anyway
phoenix_orb (3:34:20 PM): You sure are anal on personal privacy. Geesh. I guess I won't wonder anything about you then.
Nichole (3:33:05 PM): if you can't even tell me what you want to know for - why sould i give you any personal infromation - want my ssn too
phoenix_orb (3:36:12 PM): Because I wonder when your astrological sign is. Because I wonder exactly how old you are.
Nichole (3:34:26 PM): why does it matter
phoenix_orb (3:36:27 PM): Damn, it isn't that big of a question. Nevermind, it isn't even that important
phoenix_orb (3:36:34 PM): It obviously doesn't
Nichole (3:35:12 PM): questions that go into personal information are big questions
phoenix_orb (3:41:19 PM): You are correct, I now know not to ask you what you do, who you do it with, or anything about you. And not to use smileys. Or ask how you are feeling, or what you have had to eat, or just about anything else for that matter right?
phoenix_orb (3:41:28 PM): So how is work?
Nichole (3:39:45 PM): pretty much
phoenix_orb (3:42:11 PM): That is really being open. And to thinik you think I have problems. lol
phoenix_orb (3:42:13 PM): brb
Nichole (3:41:17 PM): i would say it is more that I don't trust you at all and your continuous need to ask me personal stuff is way too stalker like for my taste
phoenix_orb (3:48:26 PM): LOL, ok. I would say you are pretty stuck on yourself then.
phoenix_orb (3:48:44 PM): I ask personal stuff only in an innocent attempt to know you better.
phoenix_orb (3:48:59 PM): Stalker, no, I don't think so
Nichole (3:47:18 PM): whatever - thats what was said before
phoenix_orb (3:50:12 PM): Is that your response to anything that doesn't meld with you obvious skewed view of reality?
phoenix_orb (3:50:20 PM): obviously
phoenix_orb (3:50:22 PM): err
Nichole (3:48:59 PM): it is my way of avoiding a long drawn out fight with you over your limited experience in and view of the world
Nichole (3:49:11 PM): and who's view is skewed
phoenix_orb (3:51:32 PM): Sorry, I have probably a broader view than you. Just because you have traveled around the world doesn't really mean that you don't still have a very closed mind
phoenix_orb (3:52:11 PM): Or should I say I don't even know
Nichole (3:50:24 PM): whatever - you live in a little world where you feel so sorry for yourself and your past and you can't function like a normal male
phoenix_orb (3:52:40 PM): huh?
phoenix_orb (3:52:47 PM): How do I not function like a normal male?
phoenix_orb (3:52:51 PM): Please do tell.
Nichole (3:52:00 PM): you can't talk without those stupid little femine smilie faces - you continuous make yourself out to be this ultra-sensitive know-it-all and you have very little resemblence of anything masciline
phoenix_orb (3:55:15 PM): Hmm, your view of masculitiy may be off. I don't have to work on cars and ride a harley or stay transfixed to ESPN to be masuline. Sorry, your view is off.
phoenix_orb (3:55:45 PM): I wouldn't say I am ultra sensitive. Just with you because everything I say pisses you off
Nichole (3:53:56 PM): proving my original point exactly - it must be my view that is off - whateve
phoenix_orb (3:55:58 PM): I am empathetic, and I appreciate that quality in myself
Nichole (3:54:00 PM): r
phoenix_orb (3:56:28 PM): Hey, the dozens of people I call close friends don't seem to have a problem with it.
phoenix_orb (3:56:35 PM): Only you.
phoenix_orb (3:56:37 PM): So hmm
Nichole (3:54:51 PM): I wouldn't exactly call us close friends
phoenix_orb (3:56:57 PM): I didn't
Nichole (3:55:26 PM): and I am sure there are dozens of other people that would find it odd as well
phoenix_orb (3:57:36 PM): Hmm, yet again, you would be incorrect
Nichole (3:55:47 PM): sure
phoenix_orb (3:58:00 PM): You are such a bitch.
Nichole (3:56:13 PM): hmm
Nichole (3:56:24 PM): finally finding some balls???
phoenix_orb (3:59:30 PM): Finally putting a stop to all this shit. I have nicely fucking tiptoed around all your fucking whims because I am trying to be nice, because I don't know you, and after what 2 months? I don't know you any better. Why fucking tiptoe around you anymore?
Nichole (3:58:19 PM): because you are incapable of doing anything else other than bending over
phoenix_orb (4:00:25 PM): Who cares if I know you any better or not? Certainly not I. You have presented yourself many times of being a bitch to me for absolutely no reason time and time again.
phoenix_orb (4:01:17 PM): And you are incapable of ever giving up control. You hold on so damn tight that you strangle yourself
phoenix_orb (4:01:24 PM): And that is obvious
phoenix_orb (4:01:45 PM): Life is meant to be enjoyed, not to be bitched over.
Nichole (3:59:57 PM): and yet, who has a life - it wouldn't be you
phoenix_orb (4:02:05 PM): Hmm, I beg to differ.
phoenix_orb (4:02:13 PM): Let's see. I have a girlfriend
phoenix_orb (4:02:16 PM): I travel
Nichole (4:00:16 PM): sure you do
phoenix_orb (4:02:23 PM): Would you like to call her?
phoenix_orb (4:02:29 PM): Where do you think I was last weekend?
phoenix_orb (4:02:36 PM): Why do you not think I wanted to leave to come out with you?
Nichole (4:00:35 PM): don't really care
phoenix_orb (4:02:37 PM): Hmm?
phoenix_orb (4:02:40 PM): Sure you don't
phoenix_orb (4:02:50 PM): I am positive of that as well, because you are full of yourself
Nichole (4:01:14 PM): i can have just about any guy i want, can do just about anything i want if i feel like putting the effort in
Nichole (4:01:20 PM): make a shit load of money
phoenix_orb (4:03:26 PM): Good for you.
Nichole (4:01:29 PM): have friends all around the world
phoenix_orb (4:03:32 PM): And you still won't ever be truly happy.
Nichole (4:01:37 PM): have a great modelling career
Nichole (4:01:48 PM): can go to yale if i choose
phoenix_orb (4:03:57 PM): And yet I ask again. So?
Nichole (4:02:07 PM): happiness is what you make of it
phoenix_orb (4:04:18 PM): No, that is an incorrect statement
phoenix_orb (4:04:35 PM): Happiness is meant to be enjoyed, not corked up like you do.
Nichole (4:02:37 PM): you can never get over not having your parents around and continuously throw that in people's faces
Nichole (4:02:41 PM): who is unhappy
phoenix_orb (4:04:57 PM): I mentioned that once to you. I haven't even thought of it since then.
phoenix_orb (4:05:05 PM): I am not unhappy at all. Ask my friends.
phoenix_orb (4:05:25 PM): Ah, yes, you don't know them because I wouldn't ever bring you around to them because you are such a bitch that it is embarrasing.
Nichole (4:03:37 PM): my friends would tell you i am perfectly happy as well, so where does that leave us?
phoenix_orb (4:05:56 PM): Hmm, the same place we were I guess. heh
Nichole (4:04:17 PM): what was more embarrassing was being seen in public with you
phoenix_orb (4:06:50 PM): Hmm, I don't know considering you asked me to accompany you again last weekend?
Nichole (4:05:28 PM): it is much easier to go with someone and then use him as an excuss to pick up someone else
Nichole (4:05:34 PM): welcome to the real world
phoenix_orb (4:07:38 PM): Obviously so. LOL
phoenix_orb (4:08:25 PM): Miss Sorority house president, you haven't yet seen the real world. Call me after you have three mortgages and a car note.
Nichole (4:06:56 PM): you really have no idea
phoenix_orb (4:09:12 PM): lol
phoenix_orb (4:09:23 PM): I have made it quite fine up to now and into the future.
Nichole (4:07:22 PM): i have a home mortgage, a car loan, school loans, etc. etc.
Nichole (4:07:33 PM): that means nothing
phoenix_orb (4:09:51 PM): Keep on talking, I am sure someone is listening
Nichole (4:08:04 PM): you would be surprised
phoenix_orb (4:10:11 PM): Probably not
Nichole (4:08:51 PM): people fell sorry for you - people envy me sorry
Nichole (4:12:01 PM): at least i can finally have a bit of respect for you now that you actually stuck up for yourself, even if it did take 2 months
phoenix_orb (4:14:41 PM): No, I don't envy you at all.
phoenix_orb (4:14:45 PM): I haven't yet
phoenix_orb (4:14:52 PM): I actually feel sorry for you.
phoenix_orb (4:14:55 PM): I do.
phoenix_orb (4:15:53 PM): Simply put, you don't know how to enjoy life, let loose, and be yourself. And if you letting loose is anything that I have seen so far, you really haven't even lived yet. I will feel very sorry for you in 20 years when you sit back and say "where did my youth go".
phoenix_orb (4:16:19 PM): I am enjoying life quite a bit. Thank you very much.
phoenix_orb (4:16:52 PM): You listen to Dave Matthews. I would love for you to listen to the song "dreaming tree" it describes you oh so well.
phoenix_orb (4:17:14 PM): These are the reasons I stopped dating models when I was in the Army.
Nichole (4:15:37 PM): you don't know me at all
Nichole (4:15:46 PM): by my choice of course
Nichole (4:15:57 PM): you have no way of knowing what I do
Nichole (4:16:00 PM): when i let loose
Nichole (4:16:04 PM): how i let loose
phoenix_orb (4:18:06 PM): Nor do I care.
Nichole (4:16:19 PM): i don't think that you do
Nichole (4:16:30 PM): but before you try to start preaching
phoenix_orb (4:18:31 PM): Well good for you then, you win a prize
phoenix_orb (4:18:40 PM): No, don't believe in God either, so no preaching from me
Nichole (4:16:40 PM): know your facts
Nichole (4:16:45 PM): at least a little
phoenix_orb (4:18:49 PM): Fact 1, you are a bitch.
phoenix_orb (4:18:57 PM): Fact 2, I am not going to kiss your ass any more
Nichole (4:16:57 PM): or you really sound as dumb as you look
phoenix_orb (4:19:11 PM): What?
Nichole (4:17:11 PM): and there is no way we would ever date
Nichole (4:17:43 PM): fact 1 - i am only a bitch to those who let people walk all over them
phoenix_orb (4:19:52 PM): Don't want to date you , remember I STOPPED DATING MODELS 4 YEARS AGO IN THE ARMY. WHY? BECAUSE THEY ARE FULL OF THEMSELVES AND BITCHY AND THAT IS THE BIGGEST TURN OFF A MAN CAN HAVE
phoenix_orb (4:20:10 PM): Well, nice to see you like to see how much of a bitch you can be to people. Very swave. What a bitch
Nichole (4:18:19 PM): AND I WOULD NEVER DATE YOU - CAN YOU READ?
phoenix_orb (4:20:39 PM): Good, you want a cookie? Now that only leaves about 3 billion more women I can date.
phoenix_orb (4:20:45 PM): Oh no, what shall I do?
Nichole (4:19:02 PM): i would re-think you 3 billion quote
Nichole (4:19:13 PM): you're not the best looking man on the block
Nichole (4:19:17 PM): nor the brightest
Nichole (4:19:22 PM): not the best backgroung
Nichole (4:19:24 PM): d
Nichole (4:19:34 PM): it narrows things a little
phoenix_orb (4:22:15 PM): And you aren't the best looking woman either. I am a member of Mensa, if that means anything, but no I am not the smartest person. I care, and am compassionate, and my background? Anyone who looks deeply into that for purposes other than compassion and concern usually is a money grubbing whore. Dated them too.
phoenix_orb (4:22:20 PM): And so I stopped
Nichole (4:20:22 PM): i am sure you will find those who will settle for you though
phoenix_orb (4:22:35 PM): Already have, and am happy with all of them
phoenix_orb (4:23:00 PM): I wrote you off long ago, the only reason I continued chatting with you is it kept making me realize how well off I was.
phoenix_orb (4:23:12 PM): That, and I got a big laugh out of reading what you typed.
Nichole (4:21:20 PM): hope so, because deep down no woman is ever truly satisfied with second best
phoenix_orb (4:23:45 PM): You realize that you are far from the top of the totem pole yourself don't you? Nice body, face well, isn't
Nichole (4:22:01 PM): about the same here - fun to see how far i could push you before you finally stood up for yourself
phoenix_orb (4:24:31 PM): Well, good for you. You have truly made me understand the female phyche quite a bit more.
Nichole (4:22:31 PM): a lot better than anything you see in the mirror
phoenix_orb (4:24:39 PM): LOL I would put money on that
phoenix_orb (4:25:08 PM): Anyway you need to go, and I have a life, so whatever. Bye

Nichole (4:23:28 PM): keep dreaming
phoenix_orb (4:25:53 PM): LOL I don't need to prove shit to a money grubbing bitch like yourself. Fuck you
phoenix_orb (4:25:55 PM): Good bye
phoenix_orb (4:26:01 PM): and of course, good riddance

Nichole (4:24:16 PM): enjoy
phoenix_orb (4:26:24 PM): lol
Nichole (4:24:48 PM): as for the money though - I have enough of my own to need anyone else's - just for the record
phoenix_orb (4:26:55 PM): I don't care
phoenix_orb (4:27:01 PM): You still fit the profile oh so well
phoenix_orb (4:27:20 PM): I have enough money as well, but i don't flaunt it either.
Nichole (4:25:29 PM): as if you would know - you have none for women to go after
phoenix_orb (4:27:35 PM): Why would I ever let anyone know the value of my trust fund?
phoenix_orb (4:27:36 PM): lol
phoenix_orb (4:27:45 PM): My father was a cop who died in the line of duty. You tell me?
phoenix_orb (4:27:55 PM): Look it up
Nichole (4:26:24 PM): don't need to - I can still bet my funds are much much bigger
phoenix_orb (4:28:37 PM): Don't care
phoenix_orb (4:28:46 PM): I have enough for me. Don't care about what you have
Nichole (4:26:50 PM): you don't need to
phoenix_orb (4:29:04 PM): So why do you say that? Oh, because you are a bitch
Nichole (4:27:07 PM): yet you still live/look/act the way you do
phoenix_orb (4:29:17 PM): Because I choose to.
Nichole (4:27:43 PM): class is something I guess is just inherit
phoenix_orb (4:29:47 PM): I don't want to be stuck up like you obviously are
phoenix_orb (4:29:51 PM): Class?
Nichole (4:27:59 PM): yeh - that thing you lack
phoenix_orb (4:30:02 PM): No, you obviously have 0 class
Nichole (4:28:18 PM): can still outclass you any day
phoenix_orb (4:30:36 PM): With someone who was dining with Gov Roy Barnes the week I arrived, friends with two ex representatives, I would say I have some class of my own.
Nichole (4:28:48 PM): its a hard lesson to learn, but people like me always win and people like you always come in second
phoenix_orb (4:30:58 PM): no, people like you die unhappy.
Nichole (4:29:02 PM): who was miss michigan?
phoenix_orb (4:31:08 PM): ?
phoenix_orb (4:31:09 PM): You
phoenix_orb (4:31:09 PM): ?
phoenix_orb (4:31:12 PM): what year?
phoenix_orb (4:31:14 PM): lol
Nichole (4:29:22 PM): look it up
Nichole (4:29:36 PM): as a teen
phoenix_orb (4:31:51 PM): what year?
Nichole (4:29:57 PM): look it up
phoenix_orb (4:32:12 PM): miss america.org?
Nichole (4:30:23 PM): i'm off - if you feel like arguing some more let me know - was fun
Nichole (4:30:26 PM): nope

phoenix_orb (10:14:32 AM): So did you have a good time in buckhead?

phoenix_orb (1:26:45 PM): How was your weekend?
Nichole (1:27:05 PM): boring
phoenix_orb (1:27:40 PM): Did you end up going out on Saturday night?
Nichole (1:28:23 PM): no one wanted to go out with all the traffic
Nichole (1:28:46 PM): so I celebrated my acceptance into law school by going to bed early
phoenix_orb (1:29:37 PM): Who would have thought that your acceptance would fall on the day of the NBA All star game?
Nichole (1:30:35 PM): whatever
phoenix_orb (1:37:11 PM): Sorry that I had plans. I haven't seen you in quite some time.
Nichole (1:37:43 PM): don't worry about it I don't expect anything from anyone
phoenix_orb (1:38:47 PM): I didn't have any notice, had I, I would have accompinied you.
Nichole (1:39:08 PM): don't worry about it
phoenix_orb (1:39:22 PM): Ok.
phoenix_orb (1:39:33 PM): So you got into law school? Are you excited?
phoenix_orb (1:43:26 PM): Nikki?
Nichole (1:51:35 PM): sorry, had to run out for a minute
phoenix_orb (1:52:09 PM): It is ok
phoenix_orb (1:57:23 PM): So you excited about law school?
Nichole (1:57:58 PM): don't know if I can go yet or not
phoenix_orb (1:57:57 PM): Which school?
Nichole (1:58:26 PM): yale & emory
phoenix_orb (1:58:35 PM): Which one do you have preference for?
Nichole (1:59:19 PM): ?
phoenix_orb (2:00:00 PM): If you could do both school equally as easy (Distance, cost, aren't limiting factors), Which one would you choose? Which one is the better law school?
Nichole (2:00:47 PM): I am not stupid - I completely understand your question - I just don't know which one
Nichole (2:00:54 PM): why do you always do that
phoenix_orb (2:01:31 PM): I don't know what your question mark means. It can have several different meanings. Maybe I am so used to dumbing down a lot of what I say to other people, I do it by habit with you. I am sorry.
phoenix_orb (2:04:36 PM): No response?
Nichole (2:04:54 PM): whatever
phoenix_orb (2:04:52 PM): ?

phoenix_orb (1:21:22 PM): Haven't chatted with you in quite some time, work is becoming hectic. Wondering how you are....
Nichole (1:23:35 PM): I'm good - had a hellish week that just won't end
phoenix_orb (1:24:52 PM): Well, fortunately today is Friday
phoenix_orb (1:26:41 PM): What are you plans for the weekend?
Nichole (1:26:46 PM): work
phoenix_orb (1:26:53 PM): All weekend?
Nichole (1:27:03 PM): probably
phoenix_orb (1:28:07 PM): Wow. I am sorry. I may have to work on Sunday, to finish setup of a new email and network server, but that is all.. Friday and Saturday night i am going out.
phoenix_orb (1:31:52 PM): Are you going to be working all day all weekend?
Nichole (1:33:39 PM): that would be a little silly to assume don't you think
phoenix_orb (1:34:09 PM): no, I have worked over 30 hours in a two day period over the weekend
phoenix_orb (1:34:19 PM): So I don't think it is silly to assume that
Nichole (1:35:25 PM): that still is not all day
Nichole (1:35:29 PM): silly assumption
phoenix_orb (1:35:53 PM): 30 hours / 2 days = 15 hour days. That is all day in my opinion
Nichole (1:36:04 PM): not mine
phoenix_orb (1:36:20 PM): So what has been keeping you so busy at work?
Nichole (1:37:04 PM): 68,000 documents
phoenix_orb (1:37:11 PM): That is quite a few
Nichole (1:37:18 PM): you think?
phoenix_orb (1:37:33 PM): Not a ton, as over 100k documents, but still very busy
Nichole (1:38:06 PM): I'm really not in the mood for this
phoenix_orb (1:38:27 PM): ok then, bye bye
phoenix_orb (1:42:11 PM): I do hope you have a great weekend, work and all.

Nichole (3:36:33 PM): how's it going?
phoenix_orb (3:36:42 PM): Pretty good, work is going well. How are you?
Nichole (3:37:09 PM): not too bad - workis really slow today so it is making me feel tired
phoenix_orb (3:37:38 PM): Oh do I understand that! But today things aren't bad, I think I am going to leave work early today
phoenix_orb (3:39:13 PM): Did you have a good superbowl?
Nichole (3:39:38 PM): the game sucked so we changed the channel
phoenix_orb (3:40:01 PM): lol I left my friends house in the third period, but I do enjoy the commercials
Nichole (3:41:11 PM): yeah, but they will be playing all the time now
phoenix_orb (3:42:31 PM): I really don't watch too much tv, so this usually is one of the few chances I get to watch them.
phoenix_orb (3:51:17 PM): Did you do anything else this weekend?
Nichole (3:52:28 PM): we went to happy hour on friday and then to buckhead on sat
phoenix_orb (3:52:51 PM): That sounds nice. Didja get drunk?
phoenix_orb (3:53:09 PM): I am going to virginia highlands this weekend with some old friends
Nichole (3:53:09 PM): it really is none of your business
phoenix_orb (3:53:18 PM): ok then.
phoenix_orb (3:53:57 PM): I apologize for being interested.
Nichole (3:54:16 PM): interested in whether I get drunk or not?
phoenix_orb (3:55:11 PM): It was really a much more general question about whether or not you had a good time. I was going to ask who you went with, but I knew you would say that it wasn't my buisness, so I asked (what I thought) was an innocent question
Nichole (3:55:52 PM): if you wanted to know if it was a good time ask - don't ask if i got drunk
Nichole (3:56:03 PM): i have to run
phoenix_orb (3:56:08 PM): ok bye

phoenix_orb (1:17:15 PM): Good morning. Did you have a good weekend?
Nichole (1:18:24 PM): do you know how to calculate simple interest?
phoenix_orb (1:18:23 PM): yes
phoenix_orb (1:18:52 PM): what are you trying to figure out?
Nichole (1:20:18 PM): $2,625,000 at 6.75% interest since July 23, 2001
phoenix_orb (1:20:11 PM): http://www.uanw.org/cl-simpleinterest.html
phoenix_orb (1:20:13 PM): How is that?
phoenix_orb (1:20:25 PM): Oh
phoenix_orb (1:20:27 PM): hold on a sec
phoenix_orb (1:21:19 PM): Well, take 6.75%
phoenix_orb (1:22:58 PM): Simple interest is just that, simple, are you compounding it annually?
Nichole (1:26:05 PM): I get $2,767,502.40 - what about you?
phoenix_orb (1:27:00 PM): Figuring it out. Excel does this you know...
phoenix_orb (1:27:14 PM): My excel died though
phoenix_orb (1:27:16 PM): Sorry :(
Nichole (1:34:12 PM): what is the formula?
phoenix_orb (1:34:20 PM): http://www.aaamath.com/g84-simple-interest.html
phoenix_orb (1:34:33 PM): interest = principal * rate * time
phoenix_orb (1:35:36 PM): I get 17,718.75 Annually
phoenix_orb (1:35:53 PM): Each Point is 2.625.00
phoenix_orb (1:36:06 PM): Now I have to figure out the part of the year
phoenix_orb (1:36:07 PM): argh
phoenix_orb (1:36:07 PM): lol
phoenix_orb (1:36:26 PM): I and a half years (estimate of course)
phoenix_orb (1:38:46 PM): I get 2890781.25
phoenix_orb (1:40:08 PM): 2.625 Million X .0675 (Interest Rate) X 1.5 ( Year and half )
Nichole (1:40:31 PM): $2,625,000 * .0675 * 18 months = $3,189,375 + 2,635,000 = $5,814,375.00
phoenix_orb (1:40:23 PM): Add that back up to the principal and you get 2.89 Million
phoenix_orb (1:40:43 PM): You are using months, Use years
Nichole (1:40:59 PM): why
phoenix_orb (1:41:00 PM): The formula works on years, not months
phoenix_orb (1:41:30 PM): This is a simple loan, and for a year and a half, you don't get more in interest than you do in principal.
phoenix_orb (1:42:08 PM): Simple interest is usually charged by the year, not the month
phoenix_orb (1:42:17 PM): So 18 months becomes 1.5 years
phoenix_orb (1:42:33 PM): You are figuring it as if you are charging 6.75 % Per Month, not per year
phoenix_orb (1:42:41 PM): unless of course, that is what you are doing
phoenix_orb (1:42:50 PM): but then I would call you a bookie, and hope that you wouldn't break my legs
phoenix_orb (1:43:37 PM): 6.75% interest monthly figures out to be 81% a year. That is quite an interest rate
phoenix_orb (1:43:59 PM): Hense the interest figures out to be more than the principal.
phoenix_orb (1:44:38 PM): Anyways, my brother is in my office, I gotta go with him to eat lunch
phoenix_orb (1:44:43 PM): Ciao.

phoenix_orb (3:20:13 PM): Did that work for you?