By playing with a mortgage calculator, also sometimes called mortgage amortization calculator or mortgage rate calculator, mortgage amortization process will start to become clearer to you.

A mortgage calculator takes vague mathematical formulas and concepts and illustrates them in ways that are easier for consumer to understand.

A mortgage amortization calculator will also show mortgage holder just how much money he or she can save over life of loan by paying just a little bit extra on principal of loan. Whether you make a large sump sum payment onto your mortgage principal, or add a small amount to each monthly payment, by playing with a mortgage calculator you will clearly see that it can save you tens or even hundreds of thousands of dollars over life of mortgage. The reality is that if all mortgage holders spent time with a mortgage calculator, every one would find a way to pay a little extra on their home mortgage loan!

If you have never used a mortgage calculator, or it has been awhile since you have, you might be surprised at all that you can learn. Go to Google, or any internet search engine, and run a search for mortgage calculator. You will find that many sites in business of initiating home mortgage loans have digital versions of mortgage calculators hosted at their site free for your use.

The other short selling of Robert Olstein is Fleetwood Enterprises Inc (FLE). He thinks that Fleetwood Enterprises Inc is worth about $5-6 per share. He sold short 1,195,500 shares of FLE at about $9.2 per share in first quarter of 2005. Right now Fleetwood has a price of $9.5 per share.

Interestingly, another highly respected value manager, GuruFocus guru, Robert Rodriguez, does not agree with his value peer Olstein. In fourth quarter of 2004, Rodriguez added 269,500 shares of FLE to his holdings at around $14 per share. As share price dropped to $9, he added 2,261,900 more shares, which makes his total holding of Fleetwood to 3,714,400 shares.

Who is right, Robert vs. Robert?