User Manual

iv
2: Time-Value-of-Money and Amortization Worksheets 27
TVM and Amortization Worksheet Labels
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28
Time-Line Diagrams
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32
Procedure: Using the TVM Worksheet
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33
Procedure: Generating an Amortization Schedule
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34
Procedure: Automatically Generating a Schedule
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35
Basic Loan Calculations—Interest
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36
Basic Loan Calculations—Payments
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37
Future Value of Savings
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38
Present Value of Savings
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39
Present Value in Present-Value Annuities
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40
Perpetual Annuities
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42
Variable Cash Flows
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44
Lease-or-Buy Decision
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46
Present Value of Lease with Residual Value
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48
Monthly Payments
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49
Yield to Maturity on Bond Purchased on Interest Date
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50
Saving for the Future by Making Monthly Deposits
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51
Amount to Borrow and Down Payment
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52
Regular Deposits for a Specified Future Amount
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53
Time Value of Money/Amortization Schedule
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54
Interest and Loan Balance after Specified Payment
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56
Canadian Mortgages
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57
3: Cash Flow Worksheet 59
Cash Flow Worksheet Labels
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60
Interpreting the Results of IRR Calculations
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61
Uneven and Grouped Cash Flows
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62
Entering Cash Flows
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63
Deleting Cash Flows
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64
Inserting Cash Flows
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65
Computing NPV and IRR
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66
Uneven Cash Flows
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67
Value of a Lease with Uneven Payments
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70