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Which may be further reduced to 8 days to 73 days
Some clocks are hundreds of years old (and still fully functional); others were only made last week.
I don't know that we're able to predict accurately so far out, but if the heat death of the universe is what actually will happen, then the universe will have been reduced to absolute zero for billions of years by the time we get to 1 googol.
Let the age be x and so if 400 -3x = 163 then x works out as 79 years of age
It depends on your interest rate. If your rate is 5% the loan will be paid off 1.5 years sooner tahn the 15 year term, so term is reduced by 18 months, assuming you have been doing this from the beginning of the loan. If interst rate is 7% term is reduced by about 22 months; at 4% by 17 months.