Night Owl 6/Night Owl's Shareware - PDSI-006 - Night Owl Corp (1990).iso/024a/tc903.zip/EXAMPLE.SSF

Text File | 1991-05-21 | 6KB | 494 lines

HDR
10
10
10
10
10
10
10
RNG
CASHFLOW
C56..C60,TT
COST
C104,TT
DEPR_PRT
A102..F107,TT
INVESTMENT
C56,TT
RETURN
C57..C60,TT
ROR
C65,TT
TABLE
A93..A99,TT
DAT
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Copyright (c) 1985, 1991: P & M Software Co.
7,1,0A
(DATE(91,5,21))
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This is a sample worksheet, it is what some call a template.  It is setup
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to show you how you can use "TurboCALC(tm)" to do a family budget.
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To use the template you just put numbers in for each expense catagory and
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put in the amount for the income figure at the bottom.  The worksheet will
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calculate the total expenses and the amount that you can save or must take
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from savings.
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"TurboCALC(tm)" can forward reference cells and come up with the correct
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answer, even if the forward cell comtains a formula!  An example of this
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is shown after the "Budget" below.
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In the middle of this worksheet is a sample of the technique used for the
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Internal Rate of Return function.  While this function is very nice, it
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does take time to calculate.
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Budget
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Category
2,20,0E
(DATE(86,2,15))
3,20,0E
(B20+30.4)
4,20,0E
(C20+30.4)
5,20,0E
(D20+30.4)
6,20,0E
(E20+30.4)
7,20,0E
(F20+30.4)
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----------
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----------
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----------
4,21,0C
----------
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----------
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----------
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----------
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Food
2,22,0D
0
3,22,0D
0
4,22,0D
0
5,22,0D
0
6,22,0D
0
7,22,0D
0
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Clothing
3,23,0D

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Newspaper
3,24,0D

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Insurance
3,25,0D

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Church
3,26,0D

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Mortgage
3,27,0D

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Magazines
3,28,0D

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Medical
3,29,0D

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Computer
3,30,0D

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Auto
3,31,0D

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Gasoline
3,32,0R

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Electric
3,33,0R

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Water
3,34,0R

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Loan Pay
3,35,0R

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School
3,36,0R

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Entertain
3,37,0R

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Misc.
3,38,0R

2,39,0C
----------
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----------
4,39,0C
----------
5,39,0C
----------
6,39,0C
----------
7,39,0C
----------
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Expenses
2,40,0D
(B22:B39)
3,40,0D
(C22:C39)
4,40,0D
(D22:D39)
5,40,0D
(E22:E39)
6,40,0D
(F22:F39)
7,40,0D
(G22:G39)
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Savings
2,41,0C
(B43-B40)
3,41,0C
(C43-C40)
4,41,0C
(D43-D40)
5,41,0C
(E43-E40)
6,41,0C
(F43-F40)
7,41,0C
(G43-G40)
2,42,0C
----------
3,42,0D
----------
4,42,0C
----------
5,42,0C
----------
6,42,0C
----------
7,42,0C
----------
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Income
2,43,0D
0
3,43,0D
0
4,43,0D
0
5,43,0D
0
6,43,0D
0
7,43,0D
0
2,44,0C
==========
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==========
4,44,0C
==========
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==========
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==========
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==========
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Sample of the forward reference:
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(G49)
1,49,0C
100
2,49,0C
200
3,49,0C
300
4,49,0C
400
5,49,0C
500
6,49,0C
600
7,49,0C
(A49:F49)
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Sample problem, showing the use of the Internal Rate of Return function.
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Loan Analysis
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-------------
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Loan Amount
3,56,0D
-1000
4,56,0C
  Shown as negative, because YOU are
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Year 1 Payment
3,57,0C
500
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  making the loan!  The loan payments
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Year 2 Payment
3,58,0C
400
4,58,0C
  are income to you and you are trying
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Year 3 Payment
3,59,0C
200
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  to decide if you want to make the loan
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Year 4 Payment
3,60,0C
100
4,60,0C
  or not.
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----------
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Net Income
3,62,0D
(SUM(@CASHFLOW))
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==========
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Rate of Return
3,65,4P
(IRR(.14,@CASHFLOW))
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Proof is NPV of
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cash flows...
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(ABS(NPV(@ROR,@RETURN)+@INVESTMENT))
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  By definition the Internal Rate of
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  Return is the interest rate that will
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  discount the cash flow to zero!
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   Loan Assumption Analysis
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-------------------------------
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Asking Price
3,75,0D
96000
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   Let's assume that we want to buy a
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Buyer's Offer
3,76,0C
94000
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   house.  The seller is asking $96,000
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Reduction Of Equity
3,77,0C
(C75-C76)
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   and we are offerring $94,0000.
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Orig. Seller's Equity
3,78,0C
10000
4,78,0C

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Equity To Be Bought
3,79,0C
(C78-C77)
4,79,0C

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Down Payment
3,80,0C
5000
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       Terms Of 2nd Mortgage
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Amount of 2nd Mtg
3,81,0C
(C79-C80)
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       ---------------------
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Monthly Pay 2nd Mtg
3,82,0C
(PMT(C81,(E82/1200),E83))
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      Rate
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10
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Percent
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Seller's Curr. Pay
3,83,0C
824
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      Term
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36
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Months
3,84,0C

4,84,0C

5,84,0R

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New Total Payment
3,85,0D
(C82+C83)
4,85,0C

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==========
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    Sample Table Lookup
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    -------------------
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      Term
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     Rate
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      ----
2,92,2R
     ----
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12
2,93,2P
0.085
1,94,0C
18
2,94,2P
0.093
1,95,0C
24
2,95,2P
0.097
1,96,0C
36
2,96,2P
0.102
1,97,0C
48
2,97,2P
0.107
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 Value "LOOKED UP" in Table
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60
2,98,2P
0.111
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-----------------------------
1,99,0C
72
2,99,2P
0.115
4,99,2P
(VLOOKUP(36,@TABLE,1))
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Rate for 36 months
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  Sample Asset Depreciation
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  Depreciation Calculations
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-------------------------------
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-------------------------------
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Cost
3,104,0D
10000
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Double Declining Bal.
6,104,0D
(DDB(@COST,C105,C106,C107))
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Salvage
3,105,0D
1200
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Straight Line
6,105,0D
(SLN(@COST,C105,C106))
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Life
3,106,0C
8
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Sum Of Years Digits
6,106,0D
(SYD(@COST,C105,C106,C107))
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Current Period
3,107,0C
5
END