vault backup: 2026-02-18 17:27:27

2026-01-29.md

@@ -13,6 +13,8 @@ dg-publish: true
 
 ## 2026-01-29 10:07
 
+#topic/estimating
+
 A peer's senior, expressing frustration,
 told them that it if they disagree with an instruction,
 they must have a reason,
@@ -32,6 +34,8 @@ speaks to a fundamental misunderstanding of the purpose of estimating.
 
 ## 2026-01-29 17:57
 
+#topic/finance
+
 ### Calculating Utility of Above-Minimum Mortgage Payment
 
 See [[2026-01-25#Calculating Monthly Principal & Interest Payment]].
@@ -41,7 +45,9 @@ to reduce the total interest paid on the loan,
 but an unrelated investment with a sufficient return
 could outweigh the reduced loss.
 
-Suppose you had $E$ dollars to
+Suppose you have a budget surplus of $E$ dollars
+and are deciding whether to make an elective payment on your mortgage
+or to invest in a promising opportunity.
 
 The return on electing to pay $E$ to the mortgage
 is the