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{"sheet":"PMT","index":0,"n_rows":36,"n_cols":9,"rows_kept":36,"cut":false,"hidden":false,"merged":[]}
[{"$f":"ROW()&\")\"","v":"1)"},"PMT means periodic payment (same amount each period)"]
["2)","PMT function calculates the period payment for a loan (For the Borrower or the Lender). The Amount of each PMT must be the same and the time between each PMT must be the same."]
["3)","Cash Flow matters in Finance. Cash going out of the wallet is negative. Cash coming into the wallet is positive."]
["4)","For the borrow the PV is positive, the PMT is negative, and the FV is negative. For the Lender the PV is negative, the PMT is positive, and the FV is positive."]
["5)","Be consistent with your unit of time! If you are calculating monthly payment, you need monthly interest rate and total number of months! (The period can be monthly, quarterly, yearly or any other length)."]
["6)"," =PMT(rate = period rate, nper = total number of periods, pv means amount invested or lent out today, fv means amount received after all the periods have elapsed or amount paid after all the periods have elapsed, type refers to the PMT: PMT at end of period = 0, PMT at beginning of period = 1)"]
["7)"," =FV(rate = period rate, nper = total number of periods, pmt means periodic payment, pv means amount invested or lent out today, type refers to the PMT: PMT at end of period = 0, PMT at beginning of period = 1)"]
[]
[1,{"$f":"\"Borrower Point of View: At an \"&D10&\" of \"&TEXT(E10,\"0.00%\")&\" the monthly PMT paid = \"&DOLLAR(PMT(E10/E14,E12*E14,C10-C11))","v":"Borrower Point of View: At an Annual Interest Rate of 6.50% the monthly PMT paid = ($485.22)"}]
[null,"Price of Car",34799,"Annual Interest Rate",6.5000000000000002E-2]
[null,"Down Payment",10000,"Monthly Interest Rate"]
[null,"Loan Amount",null,"Years for Loan",5]
[null,"PMT end of period",null,"Total Months"]
[null,"Monthly Payment ",{"$f":"-C12/((1-(1+E10/E14)^(-E12*E14))/(E10/E14))","v":0},"Periods per Year",12]
[null,"PMT begin of period",null,"Type, 0 = End, 1 = Beg",1]
[]
[2,{"$f":"\"Lender Point of view: At an \"&D18&\" of \"&TEXT(E18,\"0.00%\")&\" the monthly PMT received = \"&DOLLAR(PMT(E19,E21,C20))","v":"Lender Point of view: At an Annual Interest Rate of 6.50% the monthly PMT received = $485.22"}]
[null,"Price of Car",{"$f":"C10","v":34799},"Annual Interest Rate",{"$f":"E10","v":6.5000000000000002E-2}]
[null,"Down Payment",{"$f":"C11","v":10000},"Monthly Interest Rate",{"$f":"E18/E22","v":5.4166666666666669E-3}]
[null,"Loan Amount",{"$f":"-(C18-C19)","v":-24799},"Years for Loan",{"$f":"E12","v":5}]
[null,"Monthly Payment ",null,"Total Months",{"$f":"E20*E22","v":60}]
[null,"Monthly Payment ",{"$f":"-(C20/((1-(1+E18/E22)^(-E20*E22))/(E18/E22)))","v":485.22090967625377},"Periods per Year",{"$f":"E14","v":12}]
[]
[3,{"$f":"\"At an \"&D25&\" of \"&TEXT(E25,\"0.00%\")&\" and a balloon payment of \"&DOLLAR(-C28)&\" at the end of \"&E28&\" months, the monthly PMT = \"&DOLLAR(PMT(E26,E28,C27,C28))&\" - Borrower's Point of View.\"","v":"At an Annual Interest Rate of 5.25% and a balloon payment of $5,000.00 at the end of 36 months, the monthly PMT = ($1,225.21) - Borrower's Point of View."}]
[null,"Price of Car",50000,"Annual Interest Rate",5.2499999999999998E-2]
[null,"Down Payment",5000,"Monthly Interest Rate",{"$f":"E25/E29","v":4.3749999999999995E-3}]
[null,"Loan Amount",{"$f":"C25-C26","v":45000},"Years for Loan",3]
[null,"Balloon Payment",-5000,"Total Months",{"$f":"E27*E29","v":36}]
[null,"Monthly Payment ",null,"Periods per Year",12]
[]
[4,{"$f":"\"At an \"&D32&\" of \"&TEXT(E32,\"0.00%\")&\" and no payments during the first year, the PMT = \"&DOLLAR(C36)&\" - Borrower's Point of View.\"","v":"At an Annual Interest Rate of 8.50% and no payments during the first year, the PMT = ($67,328.25) - Borrower's Point of View."}]
[null,"Loan Amount",1000000,"Annual Interest Rate",8.5000000000000006E-2]
[null,"Years payment is put off",1,"Period Interest Rate",{"$f":"E32/E36","v":2.1250000000000002E-2}]
[null,"FV after 1 year",null,"Years for Loan",6]
[null,"Period Payment ",null,"Total Periods",{"$f":"E34*E36","v":24}]
[null,"Period Payment ",{"$f":"PMT(E33,(E34-C33)*E36,FV(E33,C33*E36,,-C32))","v":-67328.250185892495},"Periods per Year",4,null,null,"check",{"$f":"C32*(1+E33)^E36","v":1087747.9617211912}]

{"sheet":"PMT (an)","index":1,"n_rows":36,"n_cols":9,"rows_kept":36,"cut":false,"hidden":false,"merged":[]}
[{"$f":"ROW()&\")\"","v":"1)"},"PMT means periodic payment (same amount each period)"]
["2)","PMT function calculates the period payment for a loan (For the Borrower or the Lender). The Amount of each PMT must be the same and the time between each PMT must be the same."]
["3)","Cash Flow matters in Finance. Cash going out of the wallet is negative. Cash coming into the wallet is positive."]
["4)","For the borrow the PV is positive, the PMT is negative, and the FV is negative. For the Lender the PV is negative, the PMT is positive, and the FV is positive."]
["5)","Be consistent with your unit of time! If you are calculating monthly payment, you need monthly interest rate and total number of months! (The period can be monthly, quarterly, yearly or any other length)."]
["6)"," =PMT(rate = period rate, nper = total number of periods, pv means amount invested or lent out today, fv means amount received after all the periods have elapsed or amount paid after all the periods have elapsed, type refers to the PMT: PMT at end of period = 0, PMT at beginning of period = 1)"]
["7)"," =FV(rate = period rate, nper = total number of periods, pmt means periodic payment, pv means amount invested or lent out today, type refers to the PMT: PMT at end of period = 0, PMT at beginning of period = 1)"]
[]
[1,{"$f":"\"Borrower Point of View: At an \"&D10&\" of \"&TEXT(E10,\"0.00%\")&\" the monthly PMT paid = \"&DOLLAR(C13)","v":"Borrower Point of View: At an Annual Interest Rate of 6.50% the monthly PMT paid = ($485.22)"}]
[null,"Price of Car",34799,"Annual Interest Rate",6.5000000000000002E-2]
[null,"Down Payment",10000,"Monthly Interest Rate",{"$f":"E10/E14","v":5.4166666666666669E-3}]
[null,"Loan Amount",{"$f":"C10-C11","v":24799},"Years for Loan",5]
[null,"PMT end of period",{"$f":"PMT(E11,E13,C12)","v":-485.22090967625371},"Total Months",{"$f":"E12*E14","v":60}]
[null,"Monthly Payment ",{"$f":"-C12/((1-(1+E10/E14)^(-E12*E14))/(E10/E14))","v":-485.22090967625377},"Periods per Year",12]
[null,"PMT begin of period",{"$f":"PMT(E11,E13,C12,,E15)","v":-482.60678956610406},"Type, 0 = End, 1 = Beg",1]
[]
[2,{"$f":"\"Lender Point of view: At an \"&D18&\" of \"&TEXT(E18,\"0.00%\")&\" the monthly PMT received = \"&DOLLAR(C21)","v":"Lender Point of view: At an Annual Interest Rate of 6.50% the monthly PMT received = $485.22"}]
[null,"Price of Car",{"$f":"C10","v":34799},"Annual Interest Rate",{"$f":"E10","v":6.5000000000000002E-2}]
[null,"Down Payment",{"$f":"C11","v":10000},"Monthly Interest Rate",{"$f":"E18/E22","v":5.4166666666666669E-3}]
[null,"Loan Amount",{"$f":"-(C18-C19)","v":-24799},"Years for Loan",{"$f":"E12","v":5}]
[null,"Monthly Payment ",{"$f":"PMT(E19,E21,C20)","v":485.22090967625371},"Total Months",{"$f":"E20*E22","v":60}]
[null,"Monthly Payment ",{"$f":"-(C20/((1-(1+E18/E22)^(-E20*E22))/(E18/E22)))","v":485.22090967625377},"Periods per Year",{"$f":"E14","v":12}]
[]
[3,{"$f":"\"At an \"&D25&\" of \"&TEXT(E25,\"0.00%\")&\" and a balloon payment of \"&DOLLAR(-C28)&\" at the end of \"&E28&\" months, the monthly PMT = \"&DOLLAR(PMT(E26,E28,C27,C28))&\" - Borrower's Point of View.\"","v":"At an Annual Interest Rate of 5.25% and a balloon payment of $5,000.00 at the end of 36 months, the monthly PMT = ($1,225.21) - Borrower's Point of View."}]
[null,"Price of Car",50000,"Annual Interest Rate",5.2499999999999998E-2]
[null,"Down Payment",5000,"Monthly Interest Rate",{"$f":"E25/E29","v":4.3749999999999995E-3}]
[null,"Loan Amount",{"$f":"C25-C26","v":45000},"Years for Loan",3]
[null,"Balloon Payment",-5000,"Total Months",{"$f":"E27*E29","v":36}]
[null,"Monthly Payment ",{"$f":"PMT(E26,E28,C27,C28)","v":-1225.2058205856235},"Periods per Year",12]
[]
[4,{"$f":"\"At an \"&D32&\" of \"&TEXT(E32,\"0.00%\")&\" and no payments during the first year, the PMT = \"&DOLLAR(C36)&\" - Borrower's Point of View.\"","v":"At an Annual Interest Rate of 8.50% and no payments during the first year, the PMT = ($67,328.25) - Borrower's Point of View."}]
[null,"Loan Amount",1000000,"Annual Interest Rate",8.5000000000000006E-2]
[null,"Years payment is put off",1,"Period Interest Rate",{"$f":"E32/E36","v":2.1250000000000002E-2}]
[null,"FV after 1 year",{"$f":"-FV(E33,C33*E36,,C32)","v":1087747.9617211912},"Years for Loan",6]
[null,"Period Payment ",{"$f":"PMT(E33,(E34-C33)*E36,C34)","v":-67328.250185892495},"Total Periods",{"$f":"E34*E36","v":24}]
[null,"Period Payment ",{"$f":"PMT(E33,(E34-C33)*E36,FV(E33,C33*E36,,-C32))","v":-67328.250185892495},"Periods per Year",4,null,null,"check",{"$f":"C32*(1+E33)^E36","v":1087747.9617211912}]

{"sheet":"Amortization Table == >>","index":2,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"Amort","index":3,"n_rows":1,"n_cols":1,"rows_kept":1,"cut":false,"hidden":false,"merged":[]}
["You just took out a business loan for 15 years at an annual rate of 9.25% compounded semi-annually. You borrowed $100,000 and a $25,000 balloon payment is due on the last day. The payments are made at the end of each period. Create an amortization table that shows how much of each payment is a reduction in principal and how much is interest payment."]

{"sheet":"(510)","index":4,"n_rows":12,"n_cols":5,"rows_kept":12,"cut":false,"hidden":false,"merged":[]}
["PMT means periodic payment (same amount each period)"]
["PMT function calculates the period payment for a loan (For the Borrower or the Lender). The Amount of each PMT must be the same and the time between each PMT must be the same."]
["Cash Flow matters in Finance. Cash going out of the wallet is negative. Cash coming into the wallet is positive."]
["For the borrow the PV is positive, the PMT is negative, and the FV is negative. For the Lender the PV is negative, the PMT is positive, and the FV is positive."]
["Be consistent with your unit of time! If you are calculating monthly payment, you need monthly interest rate and total number of months! (The period can be monthly, quarterly, yearly or any other length)."]
[" =PMT(rate = period rate, nper = total number of periods, pv means amount invested or lent out today, fv means amount received after all the periods have elapsed or amount paid after all the periods have elapsed, type refers to the PMT: PMT at end of period = 0, PMT at beginning of period = 1)"]
[]
["Years","Rate","Periods per year","Total Periods","Period Rate"]
[30,9.7500000000000003E-2,12,{"$f":"C9*A9","v":360},{"$f":"B9/C9","v":8.1250000000000003E-3}]
[]
["Period","PMT","Interest","Principal Paid","Balance"]
[null,null,null,null,100000]

{"sheet":"(510)an","index":5,"n_rows":372,"n_cols":5,"rows_kept":372,"cut":false,"hidden":false,"merged":[]}
["PMT means periodic payment (same amount each period)"]
["PMT function calculates the period payment for a loan (For the Borrower or the Lender). The Amount of each PMT must be the same and the time between each PMT must be the same."]
["Cash Flow matters in Finance. Cash going out of the wallet is negative. Cash coming into the wallet is positive."]
["For the borrow the PV is positive, the PMT is negative, and the FV is negative. For the Lender the PV is negative, the PMT is positive, and the FV is positive."]
["Be consistent with your unit of time! If you are calculating monthly payment, you need monthly interest rate and total number of months! (The period can be monthly, quarterly, yearly or any other length)."]
[" =PMT(rate = period rate, nper = total number of periods, pv means amount invested or lent out today, fv means amount received after all the periods have elapsed or amount paid after all the periods have elapsed, type refers to the PMT: PMT at end of period = 0, PMT at beginning of period = 1)"]
[]
["Years","Rate","Periods per year","Total Periods","Period Rate"]
[30,9.7500000000000003E-2,12,{"$f":"C9*A9","v":360},{"$f":"B9/C9","v":8.1250000000000003E-3}]
[]
["Period","PMT","Interest","Principal Paid","Balance"]
[{"$f":"IF(ROWS(A$12:A12)-1>A$9*C$9,\"\",ROWS(A$12:A12)-1)","v":0},null,null,null,100000]
[{"$f":"IF(ROWS(A$12:A13)-1>A$9*C$9,\"\",ROWS(A$12:A13)-1)","v":1},{"$f":"IF(A13=\"\",\"\",-PMT(E$9,D$9,E$12))","v":859.15441205875106},{"$f":"IF(A13=\"\",\"\",E12*E$9)","v":812.5},{"$f":"IF(A13=\"\",\"\",B13-C13)","v":46.654412058751063},{"$f":"IF(A13=\"\",\"\",E12-D13)","v":99953.34558794125}]
[{"$f":"IF(ROWS(A$12:A14)-1>A$9*C$9,\"\",ROWS(A$12:A14)-1)","v":2},{"$f":"IF(A14=\"\",\"\",-PMT(E$9,D$9,E$12))","v":859.15441205875106},{"$f":"IF(A14=\"\",\"\",E13*E$9)","v":812.12093290202267},{"$f":"IF(A14=\"\",\"\",B14-C14)","v":47.03347915672839},{"$f":"IF(A14=\"\",\"\",E13-D14)","v":99906.312108784521}]
[{"$f":"IF(ROWS(A$12:A15)-1>A$9*C$9,\"\",ROWS(A$12:A15)-1)","v":3},859.15441205875106,811.73878588387424,47.41562617487682,99858.896482609649]
[{"$f":"IF(ROWS(A$12:A16)-1>A$9*C$9,\"\",ROWS(A$12:A16)-1)","v":4},859.15441205875106,811.35353392120339,47.80087813754767,99811.095604472095]
[{"$f":"IF(ROWS(A$12:A17)-1>A$9*C$9,\"\",ROWS(A$12:A17)-1)","v":5},859.15441205875106,810.96515178633581,48.189260272415254,99762.906344199684]
[{"$f":"IF(ROWS(A$12:A18)-1>A$9*C$9,\"\",ROWS(A$12:A18)-1)","v":6},859.15441205875106,810.57361404662242,48.580798012128639,99714.325546187552]
[{"$f":"IF(ROWS(A$12:A19)-1>A$9*C$9,\"\",ROWS(A$12:A19)-1)","v":7},859.15441205875106,810.1788950627739,48.975516995977159,99665.35002919157]
[{"$f":"IF(ROWS(A$12:A20)-1>A$9*C$9,\"\",ROWS(A$12:A20)-1)","v":8},859.15441205875106,809.7809689871815,49.373443071569568,99615.976586119999]
[{"$f":"IF(ROWS(A$12:A21)-1>A$9*C$9,\"\",ROWS(A$12:A21)-1)","v":9},859.15441205875106,809.37980976222502,49.774602296526041,99566.20198382347]
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[{"$f":"IF(ROWS(A$12:A328)-1>A$9*C$9,\"\",ROWS(A$12:A328)-1)","v":316},859.15441205875106,262.22371676063398,596.93069529811714,31676.757521395291]
[{"$f":"IF(ROWS(A$12:A329)-1>A$9*C$9,\"\",ROWS(A$12:A329)-1)","v":317},859.15441205875106,257.37365486133677,601.78075719741423,31074.976764197876]
[{"$f":"IF(ROWS(A$12:A330)-1>A$9*C$9,\"\",ROWS(A$12:A330)-1)","v":318},859.15441205875106,252.48418620910775,606.67022584964332,30468.306538348232]
[{"$f":"IF(ROWS(A$12:A331)-1>A$9*C$9,\"\",ROWS(A$12:A331)-1)","v":319},859.15441205875106,247.55499062407938,611.59942143467174,29856.70711691356]
[{"$f":"IF(ROWS(A$12:A332)-1>A$9*C$9,\"\",ROWS(A$12:A332)-1)","v":320},859.15441205875106,242.58574532492267,616.56866673382842,29240.138450179733]
[{"$f":"IF(ROWS(A$12:A333)-1>A$9*C$9,\"\",ROWS(A$12:A333)-1)","v":321},859.15441205875106,237.57612490771035,621.57828715104074,28618.560163028691]
[{"$f":"IF(ROWS(A$12:A334)-1>A$9*C$9,\"\",ROWS(A$12:A334)-1)","v":322},{"$f":"IF(A334=\"\",\"\",-PMT(E$9,D$9,E$12))","v":859.15441205875106},{"$f":"IF(A334=\"\",\"\",E333*E$9)","v":232.52580132460812},{"$f":"IF(A334=\"\",\"\",B334-C334)","v":626.62861073414297},{"$f":"IF(A334=\"\",\"\",E333-D334)","v":27991.931552294547}]
[{"$f":"IF(ROWS(A$12:A335)-1>A$9*C$9,\"\",ROWS(A$12:A335)-1)","v":323},859.15441205875106,227.43444386239321,631.71996819635785,27360.21158409819]
[{"$f":"IF(ROWS(A$12:A336)-1>A$9*C$9,\"\",ROWS(A$12:A336)-1)","v":324},859.15441205875106,222.3017191207978,636.85269293795329,26723.358891160235]
[{"$f":"IF(ROWS(A$12:A337)-1>A$9*C$9,\"\",ROWS(A$12:A337)-1)","v":325},859.15441205875106,217.12729099067693,642.02712106807417,26081.331770092162]
[{"$f":"IF(ROWS(A$12:A338)-1>A$9*C$9,\"\",ROWS(A$12:A338)-1)","v":326},859.15441205875106,211.91082063199883,647.24359142675223,25434.08817866541]
[{"$f":"IF(ROWS(A$12:A339)-1>A$9*C$9,\"\",ROWS(A$12:A339)-1)","v":327},859.15441205875106,206.65196645165645,652.50244560709461,24781.585733058317]
[{"$f":"IF(ROWS(A$12:A340)-1>A$9*C$9,\"\",ROWS(A$12:A340)-1)","v":328},859.15441205875106,201.35038408109884,657.80402797765225,24123.781705080666]
[{"$f":"IF(ROWS(A$12:A341)-1>A$9*C$9,\"\",ROWS(A$12:A341)-1)","v":329},859.15441205875106,196.00572635378043,663.1486857049706,23460.633019375695]
[{"$f":"IF(ROWS(A$12:A342)-1>A$9*C$9,\"\",ROWS(A$12:A342)-1)","v":330},859.15441205875106,190.61764328242754,668.53676877632347,22792.09625059937]
[{"$f":"IF(ROWS(A$12:A343)-1>A$9*C$9,\"\",ROWS(A$12:A343)-1)","v":331},859.15441205875106,185.18578203611989,673.96863002263115,22118.127620576739]
[{"$f":"IF(ROWS(A$12:A344)-1>A$9*C$9,\"\",ROWS(A$12:A344)-1)","v":332},859.15441205875106,179.70978691718602,679.44462514156498,21438.682995435174]
[{"$f":"IF(ROWS(A$12:A345)-1>A$9*C$9,\"\",ROWS(A$12:A345)-1)","v":333},859.15441205875106,174.1892993379108,684.96511272084024,20753.717882714333]
[{"$f":"IF(ROWS(A$12:A346)-1>A$9*C$9,\"\",ROWS(A$12:A346)-1)","v":334},859.15441205875106,168.62395779705395,690.53045426169706,20063.187428452635]
[{"$f":"IF(ROWS(A$12:A347)-1>A$9*C$9,\"\",ROWS(A$12:A347)-1)","v":335},859.15441205875106,163.01339785617768,696.14101420257339,19367.04641425006]
[{"$f":"IF(ROWS(A$12:A348)-1>A$9*C$9,\"\",ROWS(A$12:A348)-1)","v":336},859.15441205875106,157.35725211578173,701.7971599429693,18665.249254307091]
[{"$f":"IF(ROWS(A$12:A349)-1>A$9*C$9,\"\",ROWS(A$12:A349)-1)","v":337},859.15441205875106,151.65515019124513,707.49926186750599,17957.749992439585]
[{"$f":"IF(ROWS(A$12:A350)-1>A$9*C$9,\"\",ROWS(A$12:A350)-1)","v":338},859.15441205875106,145.90671868857163,713.24769337017938,17244.502299069405]
[{"$f":"IF(ROWS(A$12:A351)-1>A$9*C$9,\"\",ROWS(A$12:A351)-1)","v":339},859.15441205875106,140.11158117993892,719.04283087881208,16525.459468190595]
[{"$f":"IF(ROWS(A$12:A352)-1>A$9*C$9,\"\",ROWS(A$12:A352)-1)","v":340},859.15441205875106,134.2693581790486,724.88505387970247,15800.574414310891]
[{"$f":"IF(ROWS(A$12:A353)-1>A$9*C$9,\"\",ROWS(A$12:A353)-1)","v":341},859.15441205875106,128.37966711627601,730.77474494247508,15069.799669368416]
[{"$f":"IF(ROWS(A$12:A354)-1>A$9*C$9,\"\",ROWS(A$12:A354)-1)","v":342},859.15441205875106,122.44212231361838,736.71228974513269,14333.087379623285]
[{"$f":"IF(ROWS(A$12:A355)-1>A$9*C$9,\"\",ROWS(A$12:A355)-1)","v":343},859.15441205875106,116.45633495943919,742.69807709931183,13590.389302523972]
[{"$f":"IF(ROWS(A$12:A356)-1>A$9*C$9,\"\",ROWS(A$12:A356)-1)","v":344},859.15441205875106,110.42191308300728,748.73249897574374,12841.656803548229]
[{"$f":"IF(ROWS(A$12:A357)-1>A$9*C$9,\"\",ROWS(A$12:A357)-1)","v":345},859.15441205875106,104.33846152882936,754.81595052992168,12086.840853018308]
[{"$f":"IF(ROWS(A$12:A358)-1>A$9*C$9,\"\",ROWS(A$12:A358)-1)","v":346},859.15441205875106,98.205581930773761,760.94883012797732,11325.89202289033]
[{"$f":"IF(ROWS(A$12:A359)-1>A$9*C$9,\"\",ROWS(A$12:A359)-1)","v":347},859.15441205875106,92.022872685983927,767.13153937276718,10558.760483517563]
[{"$f":"IF(ROWS(A$12:A360)-1>A$9*C$9,\"\",ROWS(A$12:A360)-1)","v":348},859.15441205875106,85.789928928580196,773.36448313017081,9785.3960003873908]
[{"$f":"IF(ROWS(A$12:A361)-1>A$9*C$9,\"\",ROWS(A$12:A361)-1)","v":349},859.15441205875106,79.50634250314755,779.64806955560357,9005.747930831787]
[{"$f":"IF(ROWS(A$12:A362)-1>A$9*C$9,\"\",ROWS(A$12:A362)-1)","v":350},859.15441205875106,73.171701938008269,785.98271012074281,8219.7652207110441]
[{"$f":"IF(ROWS(A$12:A363)-1>A$9*C$9,\"\",ROWS(A$12:A363)-1)","v":351},859.15441205875106,66.785592418277233,792.36881964047382,7427.3964010705704]
[{"$f":"IF(ROWS(A$12:A364)-1>A$9*C$9,\"\",ROWS(A$12:A364)-1)","v":352},859.15441205875106,60.34759575869839,798.80681630005267,6628.5895847705178]
[{"$f":"IF(ROWS(A$12:A365)-1>A$9*C$9,\"\",ROWS(A$12:A365)-1)","v":353},859.15441205875106,53.857290376260458,805.29712168249057,5823.292463088027]
[{"$f":"IF(ROWS(A$12:A366)-1>A$9*C$9,\"\",ROWS(A$12:A366)-1)","v":354},859.15441205875106,47.314251262590219,811.84016079616083,5011.4523022918665]
[{"$f":"IF(ROWS(A$12:A367)-1>A$9*C$9,\"\",ROWS(A$12:A367)-1)","v":355},859.15441205875106,40.718049956121419,818.43636210262969,4193.015940189237]
[{"$f":"IF(ROWS(A$12:A368)-1>A$9*C$9,\"\",ROWS(A$12:A368)-1)","v":356},859.15441205875106,34.068254514037548,825.0861575447135,3367.9297826445236]
[{"$f":"IF(ROWS(A$12:A369)-1>A$9*C$9,\"\",ROWS(A$12:A369)-1)","v":357},859.15441205875106,27.364429483986754,831.78998257476428,2536.1398000697591]
[{"$f":"IF(ROWS(A$12:A370)-1>A$9*C$9,\"\",ROWS(A$12:A370)-1)","v":358},859.15441205875106,20.606135875566792,838.54827618318427,1697.5915238865748]
[{"$f":"IF(ROWS(A$12:A371)-1>A$9*C$9,\"\",ROWS(A$12:A371)-1)","v":359},859.15441205875106,13.79293113157842,845.36148092717269,852.23004295940211]
[{"$f":"IF(ROWS(A$12:A372)-1>A$9*C$9,\"\",ROWS(A$12:A372)-1)","v":360},859.15441205875106,6.9243690990451423,852.23004295970588,-3.0377123039215803E-10]

{"sheet":"515","index":6,"n_rows":13,"n_cols":12,"rows_kept":13,"cut":false,"hidden":false,"merged":[]}
["PMT means periodic payment (same amount each period)"]
["PMT function calculates the period payment for a loan (For the Borrower or the Lender). The Amount of each PMT must be the same and the time between each PMT must be the same."]
["Cash Flow matters in Finance. Cash going out of the wallet is negative. Cash coming into the wallet is positive."]
["For the borrow the PV is positive, the PMT is negative, and the FV is negative. For the Lender the PV is negative, the PMT is positive, and the FV is positive."]
["Be consistent with your unit of time! If you are calculating monthly payment, you need monthly interest rate and total number of months! (The period can be monthly, quarterly, yearly or any other length)."]
[" =PMT(rate = period rate, nper = total number of periods, pv means amount invested or lent out today, fv means amount received after all the periods have elapsed or amount paid after all the periods have elapsed, type refers to the PMT: PMT at end of period = 0, PMT at beginning of period = 1)"]
["Custom Number Format has 4 sections separated by semi-colons :\npositive;negative;zero;text"]
[]
["Years","Rate","Periods per year","Total Periods","Period Rate"]
[30,9.7500000000000003E-2,12,{"$f":"C10*A10","v":360},{"$f":"B10/C10","v":8.1250000000000003E-3},null,null,null,5,-1,0,"tt"]
[]
["Period","PMT","Interest","Principal Paid","Balance",null,"Extra Paymnet"]
[null,null,null,null,100000]

{"sheet":"515an","index":7,"n_rows":373,"n_cols":12,"rows_kept":373,"cut":false,"hidden":false,"merged":[]}
["PMT means periodic payment (same amount each period)"]
["PMT function calculates the period payment for a loan (For the Borrower or the Lender). The Amount of each PMT must be the same and the time between each PMT must be the same."]
["Cash Flow matters in Finance. Cash going out of the wallet is negative. Cash coming into the wallet is positive."]
["For the borrow the PV is positive, the PMT is negative, and the FV is negative. For the Lender the PV is negative, the PMT is positive, and the FV is positive."]
["Be consistent with your unit of time! If you are calculating monthly payment, you need monthly interest rate and total number of months! (The period can be monthly, quarterly, yearly or any other length)."]
[" =PMT(rate = period rate, nper = total number of periods, pv means amount invested or lent out today, fv means amount received after all the periods have elapsed or amount paid after all the periods have elapsed, type refers to the PMT: PMT at end of period = 0, PMT at beginning of period = 1)"]
["Custom Number Format has 4 sections separated by semi-colons :\npositive;negative;zero;text"]
[]
["Years","Rate","Periods per year","Total Periods","Period Rate"]
[30,9.7500000000000003E-2,12,{"$f":"C10*A10","v":360},{"$f":"B10/C10","v":8.1250000000000003E-3},null,null,null,5,-1,0,"tt"]
[]
["Period","PMT","Interest","Principal Paid","Balance",null,"Extra Paymnet"]
[0,null,null,null,100000]
[1,{"$f":"IF(E13<-PMT(E$10,D$10,E$13),E13*(1+E$10),-PMT(E$10,D$10,E$13))","v":859.15441205875106},{"$f":"E13*E$10","v":812.5},{"$f":"B14-C14+G14","v":46.654412058751063},{"$f":"E13-D14","v":99953.34558794125}]
[2,859.15441205875106,812.12093290202267,25047.033479156729,74906.312108784521,null,25000]
[3,859.15441205875106,608.61378588387424,250.54062617487682,74655.771482609649]
[4,859.15441205875106,606.57814329620339,252.57626876254767,74403.195213847095]
[5,859.15441205875106,604.52596111250762,254.62845094624345,74148.566762900853]
[6,859.15441205875106,602.45710494856951,256.69730711018155,73891.869455790671]
[7,859.15441205875106,600.37143932829918,258.78297273045189,73633.086483060222]
[8,859.15441205875106,598.26882767486427,260.88558438388679,73372.200898676339]
[9,859.15441205875106,596.14913230174523,263.00527975700584,73109.19561891933]
[10,859.15441205875106,594.01221440371955,265.14219765503151,72844.053421264296]
[11,859.15441205875106,591.85793404777246,267.2964780109786,72576.75694325332]
[12,859.15441205875106,589.68615016393323,269.46826189481783,72307.288681358506]
[13,859.15441205875106,587.49672053603786,271.65769152271321,72035.630989835787]
[14,859.15441205875106,585.28950179241576,273.8649102663353,71761.766079569454]
[15,859.15441205875106,583.06434939650183,276.09006266224924,71485.676016907208]
[16,859.15441205875106,580.82111763737112,278.33329442137995,71207.342722485831]
[17,859.15441205875106,578.55965962019741,280.59475243855366,70926.747970047276]
[18,859.15441205875106,576.27982725663412,282.87458480211694,70643.873385245155]
[19,859.15441205875106,573.98147125511696,285.17294080363411,70358.700444441522]
[20,859.15441205875106,571.6644411110874,287.48997094766366,70071.210473493862]
[21,859.15441205875106,569.32858509713765,289.82582696161342,69781.384646532242]
[22,859.15441205875106,566.97375025307451,292.18066180567655,69489.20398472657]
[23,859.15441205875106,564.59978237590337,294.55462968284769,69194.649355043715]
[24,859.15441205875106,562.20652600973017,296.94788604902089,68897.701468994695]
[25,859.15441205875106,559.79382443558188,299.36058762316918,68598.340881371521]
[26,859.15441205875106,557.36151966114357,301.79289239760749,68296.547988973907]
[27,859.15441205875106,554.909452410413,304.24495964833807,67992.303029325572]
[28,859.15441205875106,552.43746211327027,306.71694994548079,67685.586079380097]
[29,859.15441205875106,549.94538689496335,309.20902516378771,67376.377054216311]
[30,859.15441205875106,547.4330635655075,311.72134849324357,67064.655705723068]
[31,859.15441205875106,544.90032760899999,314.25408444975108,66750.401621273311]
[32,859.15441205875106,542.34701317284566,316.8073988859054,66433.594222387401]
[33,859.15441205875106,539.77295305689768,319.38145900185339,66114.212763385542]
[34,859.15441205875106,537.17797870250752,321.97643335624355,65792.236330029293]
[35,859.15441205875106,534.56192018148806,324.592491877263,65467.643838152027]
[36,859.15441205875106,531.92460618498524,327.22980587376583,65140.414032278262]
[37,859.15441205875106,529.26586401226086,329.8885480464902,64810.525484231774]
[38,859.15441205875106,526.58551955938321,332.56889249936785,64477.956591732407]
[39,859.15441205875106,523.88339730782582,335.27101475092525,64142.685576981479]
[40,859.15441205875106,521.1593203129745,337.99509174577656,63804.690485235704]
[41,859.15441205875106,518.4131101925401,340.74130186621096,63463.949183369492]
[42,859.15441205875106,515.64458711487714,343.50982494387392,63120.439358425618]
[43,859.15441205875106,512.85356978720813,346.30084227154293,62774.138516154075]
[44,859.15441205875106,510.0398754437519,349.11453661499917,62425.023979539073]
[45,859.15441205875106,507.20331983375502,351.95109222499605,62073.072887314076]
[46,859.15441205875106,504.34371720942687,354.81069484932419,61718.262192464754]
[47,859.15441205875106,501.46088031377616,357.6935317449749,61360.568660719779]
[48,859.15441205875106,498.5546203683482,360.59979169040287,60999.968869029377]
[49,859.15441205875106,495.62474706086368,363.52966499788738,60636.439204031492]
[50,859.15441205875106,492.6710685327559,366.48334352599517,60269.955860505499]
[51,859.15441205875106,489.69339136660722,369.46102069214385,59900.494839813357]
[52,859.15441205875106,486.69152057348356,372.46289148526751,59528.031948328091]
[53,859.15441205875106,483.66525958016575,375.48915247858531,59152.542795849506]
[54,859.15441205875106,480.61441021627724,378.54000184247383,58774.002794007029]
[55,859.15441205875106,477.5387727013071,381.61563935744397,58392.387154649587]
[56,859.15441205875106,474.4381456315279,384.71626642722316,58007.670888222361]
[57,859.15441205875106,471.31232596680672,387.84208609194434,57619.828802130418]
[58,859.15441205875106,468.16110901730968,390.99330304144138,57228.835499088978]
[59,859.15441205875106,464.98428843009799,394.17012362865307,56834.665375460325]
[60,859.15441205875106,461.78165617561518,397.37275588313588,56437.292619577187]
[61,859.15441205875106,458.55300253406466,400.6014095246864,56036.691210052501]
[62,859.15441205875106,455.2981160816766,403.85629597707447,55632.834914075429]
[63,859.15441205875106,452.01678367686287,407.13762838188819,55225.697285693539]
[64,859.15441205875106,448.70879044626002,410.44562161249104,54815.25166408105]
[65,{"$f":"IF(E77<-PMT(E$10,D$10,E$13),E77*(1+E$10),-PMT(E$10,D$10,E$13))","v":859.15441205875106},{"$f":"E77*E$10","v":445.37391977065857},{"$f":"B78-C78+G78","v":413.78049228809249},{"$f":"E77-D78","v":54401.47117179296}]
[66,859.15441205875106,442.0119532708178,417.14245878793326,53984.32871300503]
[67,859.15441205875106,438.62267079316587,420.5317412655852,53563.796971739444]
[68,859.15441205875106,435.20585039538298,423.94856166336808,53139.848410076076]
[69,859.15441205875106,431.76126833186811,427.39314372688295,52712.455266349192]
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{"sheet":"RATE","index":8,"n_rows":14,"n_cols":9,"rows_kept":14,"cut":false,"hidden":false,"merged":[]}
[{"$f":"ROW()&\")\"","v":"1)"}," =RATE(nper = total number of periods, pmt means periodic payment, pv means amount invested or lent out today, fv means amount received after all the periods have elapsed or amount paid after all the periods have elapsed, type refers to the pmt: pmt at end of period = 0, pmt at beginning of period = 1)"]
[{"$f":"ROW()&\")\"","v":"2)"},"Be consistent with your unit of time! If you are calculating monthly payment, you need monthly interest rate and total number of months! (The period can be monthly, quarterly, yearly or any other length)."]
[{"$f":"ROW()&\")\"","v":"3)"},"Remember, RATE returns the period rate!!!!!!"]
[{"$f":"ROW()&\")\"","v":"4)"},"Cash Flow matters in Finance. Cash going out of the wallet is negative. Cash coming into the wallet is positive."]
[{"$f":"ROW()&\")\"","v":"5)"},"For the borrow the PV is positive, the PMT is negative, and the FV is negative. For the Lender the PV is negative, the PMT is positive, and the FV is positive."]
[]
[null,"If you pay points, then you do not get to use all the cash you borrowed. Therefore, the Rate is really based on the cash you receive, not the face value of the loan."]
[null,"Item","House","Annual Rate",0.05]
[null,"Price",200000,"Monthly Rate",{"$f":"E8/E12","v":4.1666666666666666E-3}]
[null,"Down",0,"Years",15]
[null,"Loan",{"$f":"C9-C10","v":200000},"Months",{"$f":"E10*E12","v":180}]
[null,"Points",0.02,"Periods Per Year",12]
[null,"PMT",{"$f":"ROUND(PMT(E9,E11,C11,E13),2)","v":-1581.59},"Type (0 = End, 1 = Begin)",0]
[null,null,null,"Adjusted Annual Rate",null,null,null,null,{"$f":"RATE(E11,C13,C11*(1-C12))*E12","v":5.3080576333805862E-2}]

{"sheet":"RATE (an)","index":9,"n_rows":14,"n_cols":9,"rows_kept":14,"cut":false,"hidden":false,"merged":[]}
[{"$f":"ROW()&\")\"","v":"1)"}," =RATE(nper = total number of periods, pmt means periodic payment, pv means amount invested or lent out today, fv means amount received after all the periods have elapsed or amount paid after all the periods have elapsed, type refers to the pmt: pmt at end of period = 0, pmt at beginning of period = 1)"]
[{"$f":"ROW()&\")\"","v":"2)"},"Be consistent with your unit of time! If you are calculating monthly payment, you need monthly interest rate and total number of months! (The period can be monthly, quarterly, yearly or any other length)."]
[{"$f":"ROW()&\")\"","v":"3)"},"Remember, RATE returns the period rate!!!!!!"]
[{"$f":"ROW()&\")\"","v":"4)"},"Cash Flow matters in Finance. Cash going out of the wallet is negative. Cash coming into the wallet is positive."]
[{"$f":"ROW()&\")\"","v":"5)"},"For the borrow the PV is positive, the PMT is negative, and the FV is negative. For the Lender the PV is negative, the PMT is positive, and the FV is positive."]
[]
[null,"If you pay points, then you do not get to use all the cash you borrowed. Therefore, the Rate is really based on the cash you receive, not the face value of the loan."]
[null,"Item","House","Annual Rate",0.05]
[null,"Price",200000,"Monthly Rate",{"$f":"E8/E12","v":4.1666666666666666E-3}]
[null,"Down",0,"Years",15]
[null,"Loan",{"$f":"C9-C10","v":200000},"Months",{"$f":"E10*E12","v":180}]
[null,"Points",0.02,"Periods Per Year",12]
[null,"PMT",{"$f":"ROUND(PMT(E9,E11,C11,E13),2)","v":-1581.59},"Type (0 = End, 1 = Begin)",0]
[null,null,null,"Adjusted Annual Rate",{"$f":"E12*RATE(E11,C13,C11*(1-C12))","v":5.3080576333805862E-2},null,null,null,{"$f":"RATE(E11,C13,C11*(1-C12))*E12","v":5.3080576333805862E-2}]

{"sheet":"EFFECT","index":10,"n_rows":10,"n_cols":6,"rows_kept":10,"cut":false,"hidden":false,"merged":[]}
[{"$f":"ROW()&\")\"","v":"1)"},"Effective Interest Rate is always higher than APR or Nominal Rate when the compounding periods per year are greater than 1. Why? Because you are earning interest on interest."]
[{"$f":"ROW()&\")\"","v":"2)"}," =EFFECT(nominal_rate means APR or Nominal Rate (APR = NOMINAL RATE = period interest rate * number of compounding periods in 1 year), npery means \"number of compounding periods in 1 year\")"]
[{"$f":"ROW()&\")\"","v":"3)"},"Cash Flow matters in Finance. Cash going out of the wallet is negative. Cash coming into the wallet is positive."]
[{"$f":"ROW()&\")\"","v":"4)"},"For the borrow the PV is positive, the PMT is negative, and the FV is negative. For the Lender the PV is negative, the PMT is positive, and the FV is positive."]
[]
[1,"Annual Interest Rate = APR = Nominal Rate",8.5000000000000006E-2,null,"check"]
[null,"Period Rate",null,null,100,"Amount put in bank on day 1"]
[null,"Periods per Year",12,null,null," =FV(C7,C8,,-E7)"]
[null,"Effective Annual Rate",null,null,null," =(1+C7)^C8*E7"]
[null,"Effective Annual Rate",null,null,null," =E7*(1+C10)"]

{"sheet":"EFFECT (an)","index":11,"n_rows":10,"n_cols":6,"rows_kept":10,"cut":false,"hidden":false,"merged":[]}
[{"$f":"ROW()&\")\"","v":"1)"},"Effective Interest Rate is always higher than APR or Nominal Rate when the compounding periods per year are greater than 1. Why? Because you are earning interest on interest."]
[{"$f":"ROW()&\")\"","v":"2)"}," =EFFECT(nominal_rate means APR or Nominal Rate (APR = NOMINAL RATE = period interest rate * number of compounding periods in 1 year), npery means \"number of compounding periods in 1 year\")"]
[{"$f":"ROW()&\")\"","v":"3)"},"Cash Flow matters in Finance. Cash going out of the wallet is negative. Cash coming into the wallet is positive."]
[{"$f":"ROW()&\")\"","v":"4)"},"For the borrow the PV is positive, the PMT is negative, and the FV is negative. For the Lender the PV is negative, the PMT is positive, and the FV is positive."]
[]
[1,"Annual Interest Rate = APR = Nominal Rate",8.5000000000000006E-2,null,"check"]
[null,"Period Rate",{"$f":"C6/C8","v":7.0833333333333338E-3},null,100,"Amount put in bank on day 1"]
[null,"Periods per Year",12,null,{"$f":"FV(C7,C8,,-E7)","v":108.83909058926355}," =FV(C7,C8,,-E7)"]
[null,"Effective Annual Rate",{"$f":"(1+C7)^C8-1","v":8.8390905892635541E-2},null,{"$f":"(1+C7)^C8*E7","v":108.83909058926355}," =(1+C7)^C8*E7"]
[null,"Effective Annual Rate",{"$f":"EFFECT(C6,C8)","v":8.8390905892635541E-2},null,{"$f":"E7*(1+C10)","v":108.83909058926355}," =E7*(1+C10)"]

{"sheet":"NOMINAL & EFFECT & FV","index":12,"n_rows":44,"n_cols":6,"rows_kept":44,"cut":false,"hidden":false,"merged":[]}
[{"$f":"ROW()&\")\"","v":"1)"},"APR = Annual Percentage Rate =  NOMINAL RATE = period interest rate * number of compounding periods in 1 year. This is the rate usually calculated by the bank."]
["2)","Effective Interest Rate is always higher than APR or Nominal Rate when the compounding periods per year are greater than . Why? Because you are earning interest on interest - The Effective Interest Rate tells you in percentage terms what the rate really is (You could multiply it plus 1 by the principal and get Future Value)"]
["3)"," =EFFECT(APR or Nominal Rate, npery means \"number of compounding periods in 1 year\")"]
["4)"," =NOMINAL(Effective Interest Rate), npery means \"number of compounding periods in 1 year\")"]
["5)"," =FV(rate = period rate, nper = total number of periods, pmt means periodic payment, pv means amount invested or lent out today, type refers to the PMT: PMT at end of period = 0, PMT at beginning of period = 1)"]
["6)","Cash Flow matters in Finance. Cash going out of the wallet is negative. Cash coming into the wallet is positive."]
["7)","For the borrow the PV is positive, the PMT is negative, and the FV is negative. For the Lender the PV is negative, the PMT is positive, and the FV is positive."]
["8)","Be consistent with your unit of time! If you are calculating monthly payment, you need monthly interest rate and total number of months! (The period can be monthly, quarterly, yearly or any other length)."]
[]
[1,{"$f":"\"Savings Plan that compounds interest \"&C13&\" times a year, but you put money in \"&C18&\" times a year.\"","v":"Savings Plan that compounds interest 365 times a year, but you put money in 12 times a year."}]
[null,"Monthly PMT =",-250]
[null,"x = years",25]
[null,"n for account is =",365]
[null,"APR = i =",0.08]
[null,"Type= 0 or 1 ==>",0]
[null,null,null,null,null,"check"]
[null,"Solve for EAR first =",null,null,null,{"$f":"(1+C14/C13)^C13-1","v":8.3277571792814031E-2}]
[null,"n for PMT =",12]
[null,"Then from EAR, find APR (i) ==>"]
[null,"Then from APR (i), find period Rate ==>"]
[null,"Solve for Future Value ="]
[]
[null,{"$f":"IF(C21=\"\",\"\",\"If we have a Savings Plan that compounds interest \"&C13&\" times a year, but we put \"&DOLLAR(-C11)&\" in only \"&C18&\" times a year, the Future Value would be \"&DOLLAR(C21)&\".\")","v":""}]
[]
[]
[2,"MoneyTreeLoaning will:"]
[null,{"$f":"\"Allow you to write a check that has a date \"&C29&\" days in the future for \"&DOLLAR(C30,0)&\" and will give you \"&DOLLAR(C31,0)&\" today (they cash check in \"&C29&\" days).\"","v":"Allow you to write a check that has a date 25 days in the future for $250 and will give you $200 today (they cash check in 25 days)."}]
[null,"What is the APR and EAR?"]
[null,"Days in Future =",25]
[null,"Check Amount =",250,null,"FV"]
[null,"You get Today =",200,null,"PV"]
[null,{"$f":"C29&\" day rate is =\"","v":"25 day rate is ="}]
[null,"Days in Year =",365]
[null,{"$f":"\"# of \"&C29&\" day periods in 1 year =\"","v":"# of 25 day periods in 1 year ="}]
[null,"APR ="]
[null,"EAR =",null,"<== correct because math formula does not truncate to an integer"]
[]
[null,"EAR =",null,"<== Incorrect because the EFFECT function truncates npery to an integer"]
[]
[null,"Excel Help:"]
[null,"Npery is truncated to an integer."]
[null,"If either argument is nonnumeric, EFFECT returns the #VALUE! error value."]
[null,"If nominal_rate ≤ 0 or if npery < 1, EFFECT returns the #NUM! error value."]
[null,"EFFECT is calculated as follows:"]

{"sheet":"NOMINAL & EFFECT & FV (an)","index":13,"n_rows":44,"n_cols":6,"rows_kept":44,"cut":false,"hidden":false,"merged":[]}
[{"$f":"ROW()&\")\"","v":"1)"},"APR = Annual Percentage Rate =  NOMINAL RATE = period interest rate * number of compounding periods in 1 year. This is the rate usually calculated by the bank."]
["2)","Effective Interest Rate is always higher than APR or Nominal Rate when the compounding periods per year are greater than . Why? Because you are earning interest on interest - The Effective Interest Rate tells you in percentage terms what the rate really is (You could multiply it plus 1 by the principal and get Future Value)"]
["3)"," =EFFECT(APR or Nominal Rate, npery means \"number of compounding periods in 1 year\")"]
["4)"," =NOMINAL(Effective Interest Rate), npery means \"number of compounding periods in 1 year\")"]
["5)"," =FV(rate = period rate, nper = total number of periods, pmt means periodic payment, pv means amount invested or lent out today, type refers to the PMT: PMT at end of period = 0, PMT at beginning of period = 1)"]
["6)","Cash Flow matters in Finance. Cash going out of the wallet is negative. Cash coming into the wallet is positive."]
["7)","For the borrow the PV is positive, the PMT is negative, and the FV is negative. For the Lender the PV is negative, the PMT is positive, and the FV is positive."]
["8)","Be consistent with your unit of time! If you are calculating monthly payment, you need monthly interest rate and total number of months! (The period can be monthly, quarterly, yearly or any other length)."]
[]
[1,{"$f":"\"Savings Plan that compounds interest \"&C13&\" times a year, but you put money in \"&C18&\" times a year.\"","v":"Savings Plan that compounds interest 365 times a year, but you put money in 12 times a year."}]
[null,"Monthly PMT =",-250]
[null,"x = years",25]
[null,"n for account is =",365]
[null,"APR = i =",0.08]
[null,"Type= 0 or 1 ==>",0]
[null,null,null,null,null,"check"]
[null,"Solve for EAR first =",{"$f":"EFFECT(C14,C13)","v":8.3277571792814031E-2},null,null,{"$f":"(1+C14/C13)^C13-1","v":8.3277571792814031E-2}]
[null,"n for PMT =",12]
[null,"Then from EAR, find APR (i) ==>",{"$f":"NOMINAL(C17,C18)","v":8.0258435774824832E-2}]
[null,"Then from APR (i), find period Rate ==>",{"$f":"C19/C18","v":6.6882029812354027E-3}]
[null,"Solve for Future Value =",{"$f":"FV(C20,C12*C18,C11)","v":238757.59347195391}]
[]
[null,{"$f":"IF(C21=\"\",\"\",\"If we have a Savings Plan that compounds interest \"&C13&\" times a year, but we put \"&DOLLAR(-C11)&\" in only \"&C18&\" times a year, the Future Value would be \"&DOLLAR(C21)&\".\")","v":"If we have a Savings Plan that compounds interest 365 times a year, but we put $250.00 in only 12 times a year, the Future Value would be $238,757.59."}]
[]
[]
[2,"MoneyTreeLoaning will:"]
[null,{"$f":"\"Allow you to write a check that has a date \"&C29&\" days in the future for \"&DOLLAR(C30,0)&\" and will give you \"&DOLLAR(C31,0)&\" today (they cash check in \"&C29&\" days).\"","v":"Allow you to write a check that has a date 25 days in the future for $250 and will give you $200 today (they cash check in 25 days)."}]
[null,"What is the APR and EAR?"]
[null,"Days in Future =",25]
[null,"Check Amount =",250,null,"FV"]
[null,"You get Today =",200,null,"PV"]
[null,{"$f":"C29&\" day rate is =\"","v":"25 day rate is ="},{"$f":"C30/C31-1","v":0.25}]
[null,"Days in Year =",365]
[null,{"$f":"\"# of \"&C29&\" day periods in 1 year =\"","v":"# of 25 day periods in 1 year ="},{"$f":"C33/C29","v":14.6}]
[null,"APR =",{"$f":"C32*C34","v":3.65}]
[null,"EAR =",{"$f":"(1+C32)^C34-1","v":24.994782613868573},"<== correct because math formula does not truncate to an integer"]
[]
[null,"EAR =",{"$f":"EFFECT(C35,C34)","v":24.623204140907919},"<== Incorrect because the EFFECT function truncates npery to an integer"]
[]
[null,"Excel Help:"]
[null,"Npery is truncated to an integer."]
[null,"If either argument is nonnumeric, EFFECT returns the #VALUE! error value."]
[null,"If nominal_rate ≤ 0 or if npery < 1, EFFECT returns the #NUM! error value."]
[null,"EFFECT is calculated as follows:"]

{"sheet":"NPER","index":14,"n_rows":14,"n_cols":5,"rows_kept":14,"cut":false,"hidden":false,"merged":[]}
[{"$f":"ROW()&\")\"","v":"1)"},"NPER function calculates the = total number of periods = Years*Number of compounding periods per year. Example 30 year loan compounded 12 times a year ==> 12*30 = 360 = Total periods."]
[{"$f":"ROW()&\")\"","v":"2)"}," =NPER(rate = period Rate, pmt means periodic payment, pv means amount invested or lent out today, fv means amount received after all the periods have elapsed or amount paid after all the periods have elapsed, type refers to the pmt: pmt at end of period = 0, pmt at beginning of period = 1)"]
[{"$f":"ROW()&\")\"","v":"3)"},"Be consistent with your unit of time! If you are calculating monthly payment, you need monthly interest rate and total number of months! (The period can be monthly, quarterly, yearly or any other length)."]
[{"$f":"ROW()&\")\"","v":"4)"},"Cash Flow matters in Finance. Cash going out of the wallet is negative. Cash coming into the wallet is positive."]
[{"$f":"ROW()&\")\"","v":"5)"},"For the borrow the PV is positive, the PMT is negative, and the FV is negative. For the Lender the PV is negative, the PMT is positive, and the FV is positive."]
[]
[null,"How long to pay off your credit Card if you pay only the minimum PMT required?"]
[null,"Balance = PV =",2000]
[null,"APR = i =",0.18,null,"Type"]
[null,"n =",12,null,0]
[null,"Minimum Monthly PMT =",41]
[null,"n*x = NPER function ="]
[null,"x = n*x/n = years"]
[null,"Words:",{"$f":"IF(C13=\"\",\"\",\"It will take \"&C13&\" years to pay off the credit card if we make only the minimum payment each period.\")","v":""}]

{"sheet":"NPER (an)","index":15,"n_rows":14,"n_cols":5,"rows_kept":14,"cut":false,"hidden":false,"merged":[]}
[{"$f":"ROW()&\")\"","v":"1)"},"NPER function calculates the = total number of periods = Years*Number of compounding periods per year. Example 30 year loan compounded 12 times a year ==> 12*30 = 360 = Total periods."]
[{"$f":"ROW()&\")\"","v":"2)"}," =NPER(rate = period Rate, pmt means periodic payment, pv means amount invested or lent out today, fv means amount received after all the periods have elapsed or amount paid after all the periods have elapsed, type refers to the pmt: pmt at end of period = 0, pmt at beginning of period = 1)"]
[{"$f":"ROW()&\")\"","v":"3)"},"Be consistent with your unit of time! If you are calculating monthly payment, you need monthly interest rate and total number of months! (The period can be monthly, quarterly, yearly or any other length)."]
[{"$f":"ROW()&\")\"","v":"4)"},"Cash Flow matters in Finance. Cash going out of the wallet is negative. Cash coming into the wallet is positive."]
[{"$f":"ROW()&\")\"","v":"5)"},"For the borrow the PV is positive, the PMT is negative, and the FV is negative. For the Lender the PV is negative, the PMT is positive, and the FV is positive."]
[]
[null,"How long to pay off your credit Card if you pay only the minimum PMT required?"]
[null,"Balance = PV =",2000]
[null,"APR = i =",0.18,null,"Type"]
[null,"n =",12,null,0]
[null,"Minimum Monthly PMT =",41]
[null,"n*x = NPER function =",{"$f":"NPER(C9/C10,-C11,C8)","v":88.367992279884234}]
[null,"x = n*x/n = years",{"$f":"C12/C10","v":7.3639993566570192}]
[null,"Words:",{"$f":"IF(C13=\"\",\"\",\"It will take \"&C13&\" years to pay off the credit card if we make only the minimum payment each period.\")","v":"It will take 7.36399935665702 years to pay off the credit card if we make only the minimum payment each period."}]

{"sheet":"Loan Analysis","index":16,"n_rows":21,"n_cols":12,"rows_kept":21,"cut":false,"hidden":false,"merged":[]}
[{"$f":"ROW()&\")\"","v":"1)"},"PMT means periodic payment (same amount each period)"]
["2)","PMT function calculates the period payment for a loan (For the Borrower or the Lender). The Amount of each PMT must be the same and the time between each PMT must be the same."]
["3)","Cash Flow matters in Finance. Cash going out of the wallet is negative. Cash coming into the wallet is positive."]
["4)","For the borrow the PV is positive, the PMT is negative, and the FV is negative. For the Lender the PV is negative, the PMT is positive, and the FV is positive."]
["5)","Be consistent with your unit of time! If you are calculating monthly payment, you need monthly interest rate and total number of months! (The period can be monthly, quarterly, yearly or any other length)."]
["6)"," =PMT(rate = period rate, nper = total number of periods, pv means amount invested or lent out today, fv means amount received after all the periods have elapsed or amount paid after all the periods have elapsed, type refers to the PMT: PMT at end of period = 0, PMT at beginning of period = 1)"]
[{"$f":"ROW()&\")\"","v":"7)"}," =RATE(nper = total number of periods, pmt means periodic payment, pv means amount invested or lent out today, fv means amount received after all the periods have elapsed or amount paid after all the periods have elapsed, type refers to the pmt: pmt at end of period = 0, pmt at beginning of period = 1)"]
[]
[null,"Loan Comparison"]
[null,"Option#","% Down Payment","APR","Years","Points","Extra Fee","Amount to Borrow","Monthly Payment ","Actual Cash Received","Adjusted APR","PMT w Balloon"]
[null,1,0.05,8.5000000000000006E-2,30,1,400]
[null,2,0.15,8.2500000000000004E-2,30,3,400]
[null,3,4.4999999999999998E-2,8.8999999999999996E-2,30,1,450]
[null,4,0.12,0.09,30,2,100]
[null,5,0.15,8.5000000000000006E-2,30,2,125]
[null,6,0.2,0.08,15,0,500]
[null,7,0.15,7.5999999999999998E-2,15,1,750]
[]
[null,"Price",null,null,null,null,430000]
[null,"Compounding Periods per year",null,null,null,null,12]
[null,"Balloon Payment (Optional)",null,null,null,null,-50000]

{"sheet":"Loan Analysis (an)","index":17,"n_rows":21,"n_cols":12,"rows_kept":21,"cut":false,"hidden":false,"merged":[]}
[{"$f":"ROW()&\")\"","v":"1)"},"PMT means periodic payment (same amount each period)"]
["2)","PMT function calculates the period payment for a loan (For the Borrower or the Lender). The Amount of each PMT must be the same and the time between each PMT must be the same."]
["3)","Cash Flow matters in Finance. Cash going out of the wallet is negative. Cash coming into the wallet is positive."]
["4)","For the borrow the PV is positive, the PMT is negative, and the FV is negative. For the Lender the PV is negative, the PMT is positive, and the FV is positive."]
["5)","Be consistent with your unit of time! If you are calculating monthly payment, you need monthly interest rate and total number of months! (The period can be monthly, quarterly, yearly or any other length)."]
["6)"," =PMT(rate = period rate, nper = total number of periods, pv means amount invested or lent out today, fv means amount received after all the periods have elapsed or amount paid after all the periods have elapsed, type refers to the PMT: PMT at end of period = 0, PMT at beginning of period = 1)"]
[{"$f":"ROW()&\")\"","v":"7)"}," =RATE(nper = total number of periods, pmt means periodic payment, pv means amount invested or lent out today, fv means amount received after all the periods have elapsed or amount paid after all the periods have elapsed, type refers to the pmt: pmt at end of period = 0, pmt at beginning of period = 1)"]
[]
[null,"Loan Comparison"]
[null,"Option#","% Down Payment","APR","Years","Points","Extra Fee","Amount to Borrow","Monthly Payment ","Actual Cash Received","Adjusted APR","PMT w Balloon"]
[null,1,0.05,8.5000000000000006E-2,30,1,400,{"$f":"G$19*(1-C11)","v":408500},{"$f":"PMT(D11/G$20,E11*G$20,H11)","v":-3141.0115804420011},{"$f":"H11*(1-F11/100)-G11","v":404015},{"$f":"RATE(E11*G$20,I11,J11)*G$20","v":8.6202140276722461E-2},{"$f":"PMT(D11/G$20,E11*G$20,H11,G$21)","v":-3110.721505316501}]
[null,2,0.15,8.2500000000000004E-2,30,3,400,{"$f":"G$19*(1-C12)","v":365500},{"$f":"PMT(D12/G$20,E12*G$20,H12)","v":-2745.8794378061316},{"$f":"H12*(1-F12/100)-G12","v":354135},{"$f":"RATE(E12*G$20,I12,J12)*G$20","v":8.5910632973960482E-2},{"$f":"PMT(D12/G$20,E12*G$20,H12,G$21)","v":-2713.9961357806692}]
[null,3,4.4999999999999998E-2,8.8999999999999996E-2,30,1,450,410650,-3274.6783234014238,406093.5,9.0244890737216144E-2,-3246.7927570146276]
[null,4,0.12,0.09,30,2,100,378400,-3044.6919825190512,370732,9.2305308557659171E-2,-3017.3806740466607]
[null,5,0.15,8.5000000000000006E-2,30,2,125,365500,-2810.3787825007375,358065,8.7244949015494677E-2,-2780.0887073752378]
[null,6,0.2,0.08,15,0,500,344000,-3287.4431700964233,343500,8.0240868617393241E-2,-3142.9504612645787]
[null,7,0.15,7.5999999999999998E-2,15,1,750,365500,-3409.0334917556302,361095,7.7989567377951624E-2,-3259.3481075665336]
[]
[null,"Price",null,null,null,null,430000]
[null,"Compounding Periods per year",null,null,null,null,12]
[null,"Balloon Payment (Optional)",null,null,null,null,-50000]

{"sheet":"PV & NPV & XNPV","index":18,"n_rows":46,"n_cols":7,"rows_kept":46,"cut":false,"hidden":false,"merged":[]}
[{"$f":"ROW()&\")\"","v":"1)"},"Preset Value = How much future cash flows are worth today. Think of it as interest going backwards; if we put money in the bank today (present value) it will be worth some future value amount in the future: Present Value is the Opposite! We want to receive some cash amounts in the future, what amount do we have to put in the bank today?"]
["2)","PV function calculates present Value when the cash flows are the same and are separated by regular time periods. NPV function lets us calculate the present value when the amounts are not the same. XNPV function lets us calculate the present value when the amounts are not the same and the times are not the same."]
["3)"," =PV( rate, nper, fv, type)",null,"When an asset has an annuity cash flow pattern, you can use the PV function for Capital Investment Decision. An annuity has equal payments at equal time intervals."]
["4)"," =NPV( rate, CF1, CF2…. (as range or cells separated by commas). NOTE: You cannot include Cash Flow at time 0.",null,"Calculates the net present value for a series of cash flows that is periodic (equal time between each cash flow)"]
["5)"," =XNPV(rate, values, dates) NOTE: you can include Cash Flow at time 0.",null,"Returns the net present value for a schedule of cash flows that is not necessarily periodic. To calculate the net present value for a series of cash flows that is periodic, use the NPV function."]
["6)","Cash Flow matters in Finance. Cash going out of the wallet is negative. Cash coming into the wallet is positive."]
["7)","For the borrow the PV is positive, the PMT is negative, and the FV is negative. For the Lender the PV is negative, the PMT is positive, and the FV is positive."]
["8)","Be consistent with your unit of time! If you are calculating monthly payment, you need monthly interest rate and total number of months! (The period can be monthly, quarterly, yearly or any other length)."]
[]
[]
[1,{"$f":"\"You are considering buying a machine that will yield \"&DOLLAR(C13)&\" net cash flow in for the next ten years. If you must earn a minimum return on investment of \"&TEXT(C14,\"00.00%\")&\", should we buy a machine if it costs \"&DOLLAR(C15)&\"?\"","v":"You are considering buying a machine that will yield $35,000.00 net cash flow in for the next ten years. If you must earn a minimum return on investment of 15.00%, should we buy a machine if it costs ($165,500.00)?"}]
[]
[null,"Net Cash Flow at end of each year =",35000]
[null,"Min Return (hurdle rate or Discount Rate) =",0.15]
[null,"Cost =",-165500]
[null,"Years",10]
[null,"PV ="]
[null,"Difference ="]
[null,"NPV =",null,null,"NPV ="]
[]
[2,"Period","CF",null,"CF"]
[null,0,null,null,{"$f":"C15","v":-165500}]
[null,1,{"$f":"C$13","v":35000},null,40000]
[null,2,35000,null,40000]
[null,3,35000,null,40000]
[null,4,35000,null,35000]
[null,5,35000,null,35000]
[null,6,35000,null,35000]
[null,7,35000,null,20000]
[null,8,35000,null,10000]
[null,9,35000,null,50000]
[null,10,35000,null,2500]
[]
[3,"RRR",0.15]
[]
[null,"Date","Year","CF","PV function","XNPV algorithm","XNPV"]
[null,"2007-01-01",0,-500,{"$f":"PV(C$34,C37,,-D37)","v":-500},{"$f":"D37/(1+$C$34)^(ABS(B$37-B37)/365)","v":-500}]
[null,"2008-01-01",1,200,173.91304347826087,173.91304347826087]
[null,"2010-01-01",3,100,65.751623243198836,65.726451146168856]
[null,"2011-01-01",4,100,57.175324559303334,57.153435779277267]
[null,"2012-01-01",5,100,49.717673529828986,49.698639808067185]
[null,"2013-01-01",6,100,43.232759591155649,43.199663802697209]
[null,null,null,null,{"$f":"SUM(E37:E42)","v":-110.20957559825231},{"$f":"SUM(F37:F42)","v":-110.30876598552859}]
[]
[null,"2009-01-01"]
[null,{"$f":"B45-B38","v":366}]

{"sheet":"PV & NPV & XNPV (an)","index":19,"n_rows":46,"n_cols":7,"rows_kept":46,"cut":false,"hidden":false,"merged":[]}
[{"$f":"ROW()&\")\"","v":"1)"},"Preset Value = How much future cash flows are worth today. Think of it as interest going backwards; if we put money in the bank today (present value) it will be worth some future value amount in the future: Present Value is the Opposite! We want to receive some cash amounts in the future, what amount do we have to put in the bank today?"]
["2)","PV function calculates present Value when the cash flows are the same and are separated by regular time periods. NPV function lets us calculate the present value when the amounts are not the same. XNPV function lets us calculate the present value when the amounts are not the same and the times are not the same."]
["3)"," =PV( rate, nper, fv, type)",null,"When an asset has an annuity cash flow pattern, you can use the PV function for Capital Investment Decision. An annuity has equal payments at equal time intervals."]
["4)"," =NPV( rate, CF1, CF2…. (as range or cells separated by commas). NOTE: You cannot include Cash Flow at time 0.",null,"Calculates the net present value for a series of cash flows that is periodic (equal time between each cash flow)"]
["5)"," =XNPV(rate, values, dates) NOTE: you can include Cash Flow at time 0.",null,"Returns the net present value for a schedule of cash flows that is not necessarily periodic. To calculate the net present value for a series of cash flows that is periodic, use the NPV function."]
["6)","Cash Flow matters in Finance. Cash going out of the wallet is negative. Cash coming into the wallet is positive."]
["7)","For the borrow the PV is positive, the PMT is negative, and the FV is negative. For the Lender the PV is negative, the PMT is positive, and the FV is positive."]
["8)","Be consistent with your unit of time! If you are calculating monthly payment, you need monthly interest rate and total number of months! (The period can be monthly, quarterly, yearly or any other length)."]
[]
[]
[1,{"$f":"\"You are considering buying a machine that will yield \"&DOLLAR(C13)&\" net cash flow in for the next ten years. If you must earn a minimum return on investment of \"&TEXT(C14,\"00.00%\")&\", should we buy a machine if it costs \"&DOLLAR(C15)&\"?\"","v":"You are considering buying a machine that will yield $35,000.00 net cash flow in for the next ten years. If you must earn a minimum return on investment of 15.00%, should we buy a machine if it costs ($165,500.00)?"}]
[]
[null,"Net Cash Flow at end of each year =",35000]
[null,"Min Return (hurdle rate or Discount Rate) =",0.15]
[null,"Cost =",-165500]
[null,"Years",10]
[null,"PV =",{"$f":"PV(C14,C16,C13)","v":-175656.90190489797}]
[null,"Difference =",{"$f":"C15-C17","v":10156.901904897968}]
[null,"NPV =",{"$f":"NPV(C14,C23:C32)+C15","v":10156.901904898114},null,"NPV =",{"$f":"NPV(C14,E23:E32)+E22","v":3991.8607771394309}]
[]
[2,"Period","CF",null,"CF"]
[null,0,null,null,{"$f":"C15","v":-165500}]
[null,1,{"$f":"C$13","v":35000},null,40000]
[null,2,35000,null,40000]
[null,3,35000,null,40000]
[null,4,35000,null,35000]
[null,5,35000,null,35000]
[null,6,35000,null,35000]
[null,7,35000,null,20000]
[null,8,35000,null,10000]
[null,9,35000,null,50000]
[null,10,35000,null,2500]
[]
[3,"RRR",0.15]
[]
[null,"Date","Year","CF","PV function","XNPV algorithm","XNPV"]
[null,"2007-01-01",0,-500,{"$f":"PV(C$34,C37,,-D37)","v":-500},{"$f":"D37/(1+$C$34)^(ABS(B$37-B37)/365)","v":-500},{"$f":"[0]!_xludf._xlfn.BAHTTEXT(C34,D37:D42,B37:B42)","v":{"$error":"#NAME?"}}]
[null,"2008-01-01",1,200,173.91304347826087,173.91304347826087]
[null,"2010-01-01",3,100,65.751623243198836,65.726451146168856]
[null,"2011-01-01",4,100,57.175324559303334,57.153435779277267]
[null,"2012-01-01",5,100,49.717673529828986,49.698639808067185]
[null,"2013-01-01",6,100,43.232759591155649,43.199663802697209]
[null,null,null,null,{"$f":"SUM(E37:E42)","v":-110.20957559825231},{"$f":"SUM(F37:F42)","v":-110.30876598552859}]
[]
[null,"2009-01-01"]
[null,{"$f":"B45-B38","v":366}]

{"sheet":"Retirement","index":20,"n_rows":22,"n_cols":6,"rows_kept":22,"cut":false,"hidden":false,"merged":[]}
[{"$f":"ROW()&\")\"","v":"1)"},"FV function calculates the future value of a lump sum (invested at very beginning) or regular payments (called PMT and amount is the same for each period and the  amount is always the same)."]
["2)","PMT means periodic payment (same amount each period)"]
["3)","PMT function calculates the period payment for a loan (For the Borrower or the Lender). The Amount of each PMT must be the same and the time between each PMT must be the same."]
["4)","Cash Flow matters in Finance. Cash going out of the wallet is negative. Cash coming into the wallet is positive. Time period Matters in Finance: Example - if you are making monthly payments, then total number of periods must be total number of months."]
["5)","For the borrow the PV is positive, the PMT is negative, and the FV is negative. For the Lender the PV is negative, the PMT is positive, and the FV is positive."]
["6)"," =FV(rate = period rate, nper = total number of periods, pmt means periodic payment, pv means amount invested or lent out today, type refers to the PMT: PMT at end of period = 0, PMT at beginning of period = 1)"]
["7)"," =PMT(rate = period rate, nper = total number of periods, pv means amount invested or lent out today, fv means amount received after all the periods have elapsed or amount paid after all the periods have elapsed, type refers to the PMT: PMT at end of period = 0, PMT at beginning of period = 1)"]
[]
[null,"Monthly PMT (end)",-100,null,"Amount put in"]
[null,"years",30,null,"Amount taken out"]
[null,"Months",null,null,"Interest"]
[null,"Annual Rate",0.09,null,null,"."]
[null,"Monthly Rate"]
[null,"FV"]
[]
[null,"PV"]
[null,"years",35]
[null,"Months"]
[null,"Annual Rate",7.0000000000000007E-2]
[null,"Monthly Rate"]
[null,"Monthly PMT (begin)"]
[null,"Leave to Kids",250000]

{"sheet":"Retirement (an)","index":21,"n_rows":22,"n_cols":6,"rows_kept":22,"cut":false,"hidden":false,"merged":[]}
[{"$f":"ROW()&\")\"","v":"1)"},"FV function calculates the future value of a lump sum (invested at very beginning) or regular payments (called PMT and amount is the same for each period and the  amount is always the same)."]
["2)","PMT means periodic payment (same amount each period)"]
["3)","PMT function calculates the period payment for a loan (For the Borrower or the Lender). The Amount of each PMT must be the same and the time between each PMT must be the same."]
["4)","Cash Flow matters in Finance. Cash going out of the wallet is negative. Cash coming into the wallet is positive. Time period Matters in Finance: Example - if you are making monthly payments, then total number of periods must be total number of months."]
["5)","For the borrow the PV is positive, the PMT is negative, and the FV is negative. For the Lender the PV is negative, the PMT is positive, and the FV is positive."]
["6)"," =FV(rate = period rate, nper = total number of periods, pmt means periodic payment, pv means amount invested or lent out today, type refers to the PMT: PMT at end of period = 0, PMT at beginning of period = 1)"]
["7)"," =PMT(rate = period rate, nper = total number of periods, pv means amount invested or lent out today, fv means amount received after all the periods have elapsed or amount paid after all the periods have elapsed, type refers to the PMT: PMT at end of period = 0, PMT at beginning of period = 1)"]
[]
[null,"Monthly PMT (end)",-100,null,"Amount put in",{"$f":"-C9*C11","v":36000}]
[null,"years",30,null,"Amount taken out",{"$f":"C21*C18+C22","v":680414.56024218583}]
[null,"Months",{"$f":"C10*12","v":360},null,"Interest",{"$f":"F10-F9","v":644414.56024218583}]
[null,"Annual Rate",0.09,null,null,"."]
[null,"Monthly Rate",{"$f":"C12/12","v":7.4999999999999997E-3}]
[null,"FV",{"$f":"FV(C13,C11,C9)","v":183074.3483072074}]
[]
[null,"PV",{"$f":"-C14","v":-183074.3483072074}]
[null,"years",35]
[null,"Months",{"$f":"C17*12","v":420}]
[null,"Annual Rate",7.0000000000000007E-2]
[null,"Monthly Rate",{"$f":"C19/12","v":5.8333333333333336E-3}]
[null,"Monthly PMT (begin)",{"$f":"PMT(C20,C18,C16,C22,1)","v":1024.7965720052046}]
[null,"Leave to Kids",250000]