I noticed that your LLM spreadsheet doesn’t include the Qwen models. Not sure if they’ve been on your radar, but they’re developed by Alibaba and currently available for free on their website.
I’ve used them for reasoning and coding tasks with solid results—might be worth checking out!
Thinking about a mortgage as a bond... if I ask Grok what the impact to the bond value is on a 30 year duration when interest rates rise from 3 to 6%, it tells me that the bond would lose 90% of it's value (duration * change in rate). Even if remaining duration is 20 years, that's still more than half the value. Is this correct? If it is, it would be insane to buy back almost any mortgage when rates are higher. Unless I'm missing something?
Hey Kris,
I noticed that your LLM spreadsheet doesn’t include the Qwen models. Not sure if they’ve been on your radar, but they’re developed by Alibaba and currently available for free on their website.
I’ve used them for reasoning and coding tasks with solid results—might be worth checking out!
Thinking about a mortgage as a bond... if I ask Grok what the impact to the bond value is on a 30 year duration when interest rates rise from 3 to 6%, it tells me that the bond would lose 90% of it's value (duration * change in rate). Even if remaining duration is 20 years, that's still more than half the value. Is this correct? If it is, it would be insane to buy back almost any mortgage when rates are higher. Unless I'm missing something?
not quite a mortgage but just using this PV calculator using 3% for 20 years compounded monthly, $100 in 20 years is worth $54 today
at 6% it's worth $30 or 45% less
https://www.omnicalculator.com/finance/present-value