Shareware Overload/ShartewareOverload.cdr/busi/ezspread.zip/EXAMPLE1.EZS

Text File | 1986-05-18 | 4KB | 357 lines

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Portions Copyright (c) 1985, 1986:
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(DATE(86,05,09))
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MaeDae Enterprises, Enerco Associates, P & M Software.
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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 "EZ-SPREADSHEET" 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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"EZ SPREADSHEET" 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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At the end 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
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(DATE(86,5,15))
3,21,0E
(B21+30.4)
4,21,0E
(C21+30.4)
5,21,0E
(D21+30.4)
6,21,0E
(E21+30.4)
7,21,0E
(F21+30.4)
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Food
2,23,0D
0
3,23,0D
0
4,23,0D
0
5,23,0D
0
6,23,0D
0
7,23,0D
0
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Clothing
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Newspaper
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Insurance
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Church
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Mortgage
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Magazines
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Medical
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Computer
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Auto
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Gasoline
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Electric
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Water
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Loan Pay
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School
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Entertain
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Misc.
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3,40,0C
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4,40,0C
----------
5,40,0C
----------
6,40,0C
----------
7,40,0C
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Expenses
2,41,0D
(B23:B40)
3,41,0D
(C23:C40)
4,41,0D
(D23:D40)
5,41,0D
(E23:E40)
6,41,0D
(F23:F40)
7,41,0D
(G23:G40)
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Savings
2,42,0C
(B44-B41)
3,42,0C
(C44-C41)
4,42,0C
(D44-D41)
5,42,0C
(E44-E41)
6,42,0C
(F44-F41)
7,42,0C
(G44-G41)
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Income
2,44,0D
0
3,44,0D
0
4,44,0D
0
5,44,0D
0
6,44,0D
0
7,44,0D
0
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==========
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==========
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==========
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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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(G50)
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100
2,50,0C
200
3,50,0C
300
4,50,0C
400
5,50,0C
500
6,50,0C
600
7,50,0C
(A50:F50)
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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
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-1000
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  Shown as negative, because YOU are
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Year 1 Payment
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500
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  making the loan!  The loan payments
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Year 2 Payment
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400
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  are income to you and you are trying
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Year 3 Payment
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200
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  to decide if you want to make the loan
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Year 4 Payment
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100
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  or not.
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----------
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Net Income
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(C57:C61)
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==========
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Rate of Return
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(IRR(.14,C57..C61))
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Proof is NPV of
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cash flows...
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(ABS(NPV(C66,C58..C61)+C57))
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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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 Sample Table Lookup
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     Term
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     Rate
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     ----
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     ----
1,78,0C
12
2,78,2P
0.085
1,79,0C
18
2,79,2P
0.093
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24
2,80,2P
0.097
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36
2,81,2P
0.102
1,82,0C
48
2,82,2P
0.107
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 Value "LOOKED UP" in Table
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60
2,83,2P
0.111
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-----------------------------
1,84,0C
72
2,84,2P
0.115
4,84,2P
(VLOOKUP(36,A78..A84,1))
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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
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10000
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Double Declining Bal.
6,89,0D
(DDB(C89,C90,C91,C92))
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Salvage
3,90,0D
1200
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Straight Line
6,90,0D
(SLN(C89,C90,C91))
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Life
3,91,0C
8
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Sum Of Years Digits
6,91,0D
(SYD(C89,C90,C91,C92))
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Current Period
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5
END