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[{"$nulls":3},"        Instructions"]
[]
[null,"Financial Calculator"]
[null,"Contains 14 financial formulas. Select function, then enter data into all edit boxes that are active. "]
[null,"Use tab key to select edit box. Click OK button, and dialog box will return with results."]
[]
[null,"Amortization Schedule Creator"]
[null,"Enter loan amount, interest rate, and term in the dialog box, and macro will create amortization "]
[null,"schedule on a new worksheet. If you have the Add-In X-Bar activated, you should un-check the "]
[null,"Create New Workbook box. Creating a new workbook conflicts with the X-Bar Add-In. Un-checking "]
[null,"the Create New Workbook box creates a new worksheet in this workbook.  The new worksheet "]
[null,"can then be either moved, copied, or deleted by selecting its' name tab with the mouse down and  "]
[null,"pressing the Shift key, or it can be left in the workbook. If left in the workbook, a new amortization "]
[null,"schedule sheet will be created to the right of the existing one."]
[]
[null,"Calendar Calculator"]
[null,"Calculates days between two dates and converts them to weeks, months, or years. Also, will find day "]
[null," of week for a particular date."]
[]
[null,"Minimum IRA Disbursement"]
[null,"Calculates minimum required disbursement of IRA funds for those over the age of seventy and one half years."]
[]
[null,"Currency Converter"]
[null,"Select currency (country), select function (convert to US, convert to foreign), enter amount, then press "]
[null,"OK button. See Formulas sheet to change  factors or currencies. Simply type in new factors or currencies."]
[]
[null,"Metric Converter"]
[null,"When dialog box appears, select function, Convert to Metric, or Convert to English. You will then be limited "]
[null,"to entering a metric or English number you wish to convert,and then selecting the type of measurement from "]
[null,"the scroll list.  Press the OK button, and the dialog box will return with the answer."]
[]
[null,"President Information"]
[null,"When dialog box appears, select president. Press the OK button, and the dialog box will return with the "]
[null,"selected president's life dates, party affiliation, place of birth, term dates, and vice president."]
[]
[null,"Play Name the President"]
[null,"Just follow directions of the dialog box."]
[]
[null,"Check Optimum Weight Factor"]
[null,"When dialog box appears, enter your weight in pounds and your height in inches. Press the OK button, "]
[null,"and the dialog box will return with the good or bad news."]
[]
[null,"States Information"]
[null,"When dialog box appears, select state. Press the OK button, and the dialog box will return with the "]
[null,"selected state's capitol, official two letter abbreviation, and the date it entered the Union."]
[]
[null,"Play Name the Capitol"]
[null,"Just follow directions of the dialog box."]
[]
[null,"Find the Easter Date"]
[null,"Just follow directions of the dialog box. To see Easter date for following 15 years of selected date, "]
[null,"go to sheet Formulas and click Easter Date button. Formula courtesy of Bob Coffield of Midland, "]
[null,"Michigan. E-mail: BOBCOFF."]
[]
[null,"Byte Converter Button"]
[null,"Converts bytes to kilobytes, megabytes, or gigabytes. Converts kilobytes to megabytes,"]
[null,"or gigabytes. Converts megabytes to gigabytes."]
[]
[null,"If you find any errors, or have any suggestions for improvements,  or find that it has been of help to you, "]
[null,"please contact me."]
[null,"                                      Jack Karnes jackkarnes@mindspring.com "]
[]
[null,"                See more files at JacMar Freeware web site:",{"$nulls":3},"http://www.mindspring.com/~jackkarnes"]
[]
[{"$nulls":5},"©1998 JACK KARNES.  ALL RIGHTS RESERVED."]

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[]
[null,null,"              FINANCIAL FORMULAS",{"$nulls":7},"COUNTRY","FACTOR",null,null,"      States and Capitols",{"$nulls":8},"United States Presidents"]
[null,"I","Annula Interest Rate",{"v":6,"d":"6.00%"},{"$nulls":6},"Australian Dollar","0.65650",null,null,"Alabama",1819,"AL","Montgomery",null,null,"No.","Name","Life Dates","Politics","Place of Birth","Term Dates","Vice Presidents"]
[null,"CP","Compounding Period per Year",4,{"$nulls":6},"Austrian Schilling","0.07792",null,null,"Alaska",1959,"AK","Juneau",null,null,1,"George Washington","1732 - 1799","Federalist","Virginia","1789 - 1797","John Adams",null,"William Clinton","Bill Clinton","Clinton"]
[null,"Y","Number of Years",1,{"$nulls":6},"Belgian Franc","0.02655",null,null,"Arizona",1912,"AZ","Phoenix",null,null,2,"John Adams","1735 - 1826","Federalist","Massachusetts","1797 - 1801","Thomas Jefferson",null,"Richard Nixon","Dick Nixon","Nixon"]
[null,"X","Number of Quarteers",4,{"$nulls":6},"Brazilian Real","0.87773",null,null,"Arkansas",1836,"AR","Little Rock",null,null,3,"Thomas Jefferson","1743 - 1826","Dem. - Rep.","Virginia","1801 - 1809","Aaron Burr-George Clinton",null,"James Carter","Jimmy Carter","Carter"]
[null,"M","Number of Months",12,{"$nulls":6},"British Pound","1.67180",null,null,"California",1850,"CA","Sacramento",null,null,4,"James Madison","1751 - 1836","Dem. - Rep.","Virginia","1809 - 1817","George Clinton-Elbridge Gerry",null,"Ronald Reagan","Ronnie Reagan","Reagan"]
[null,"D","Number of Days",365,{"$nulls":6},"Canadian Dollar","0.70096",null,null,"Colorado",1876,"CO","Denver",null,null,5,"James Monroe","1758 - 1831","Dem. - Rep.","Virginia","1817 - 1825","Daniel D. Tompkins",null,"Herbert Hoover",null,"Hoover"]
[null,"P","Present Value",{"v":10000,"d":"$10,000.00"},{"$nulls":6},"Chinese (P.R.) Yuan","0.12033",null,null,"Connecticut",1788,"CT","Hartford",null,null,6,"John Quincy Adams","1767 - 1848","Dem. - Rep.","Massachusetts","1825 - 1829","John C. Calhoun",null,"Abraham Lincoln","Abe Lincoln","Lincoln"]
[null,"F","Future Value",{"v":10000,"d":"$10,000.00"},{"$nulls":6},"Danish Krone","0.14382",null,null,"Delaware",1787,"DE","Dover",null,null,7,"Andrew Jackson","1767 - 1845","Democrat","South Carolina","1829 - 1837","John C. Calhoun-Martin Van Buren",null,"John Adams",null,"Adams"]
[null,"Q","Payment",{"v":667,"d":"$667.00"},{"$nulls":6},"Dutch Guilder","0.48680",null,null,"Florida",1845,"FL","Tallahassee",null,null,8,"Martin Van Buren","1782 - 1862","Democrat","New York","1837 - 1841","Richard M. Johnson",null,"John Adams",null,"Adams"]
[null,"IF","Inflation Rate Per Annum",{"v":3,"d":"3.00%"},{"$nulls":6},"European Union Euro","1.08740",null,null,"Georgia",1788,"GA","Atlanta",null,null,9,"William Henry Harrison","1773 - 1841","Whig","Virginia","1841 - 1841","John Tyler",null,"John Kennedy","Jack Kennedy","Kennedy"]
[null,"L","Life Expectency",{"v":16,"d":"16.0"},{"$nulls":6},"Finnish Markka","0.18050",null,null,"Hawaii",1959,"HI","Honolulu",null,null,10,"John Tyler","1790 - 1862","Democrat","Virginia","1841 - 1845",null,null,"George Bush",null,"Bush"]
[null,"IE","Equivalent Interest Rate",{"v":0.005,"d":"0.50%"},{"$nulls":6},"French Franc",0.1637,null,null,"Idaho",1890,"ID","Boise",null,null,11,"James Knox Polk","1795 - 1849","Democrat","North Carolina","1845 - 1849","George M. Dallas",null,"Harry Truman",null,"Truman"]
[{"$nulls":5},"FORMULAS:",{"$nulls":4},"German Mark","0.54830",null,null,"Illinois",1818,"IL","Springfield",null,null,12,"Zachary Taylor","1784 - 1850","Whig","Virginia","1849 - 1850","Millard Fillmore",null,"Gerald Ford","Jerry Ford","Ford"]
[null,1,"Amount at Simple Interest=",{"v":600,"d":"$600.00"},null,"P * IE * M ",{"$nulls":4},"Greek Drachma","0.00314",null,null,"Indiana",1816,"IN","Indianapolis",null,null,13,"Millard Fillmore","1800 - 1874","Whig","New York","1850 - 1853",null,null,"Franklin Pierce",null,"Pierce"]
[null,2,"Amount Compounded Daily=",{"v":2281423.8072047504,"d":"$2,281,423.81"},null,"P * (1 + I/CP)^D-P",{"$nulls":4},"Hong Kong Dollar","0.12904",null,null,"Iowa",1846,"IA","Des Moines",null,null,14,"Franklin Pierce","1804 - 1869","Democrat","New Hampshire","1853 - 1857","William R. King",null,"Grover Cleveland",null,"Cleveland"]
[null,3,"Amount Compounded Monthly=",{"v":1956.1817146153335,"d":"$1,956.18"},null,"P * (1 + I/CP)^M-P",{"$nulls":4},"Indian Rupee","0.02506",null,null,"Kansas",1861,"KS","Topeka",null,null,15,"James Buchanan","1791 - 1868","Democrat","Pennsylvania","1857 - 1861","John Breckinridge",null,"Grover Cleveland",null,"Cleveland"]
[null,4,"Amount Compounded Quarterly=",{"v":613.6355062499952,"d":"$613.64"},null,"P * (1 + I/CP)^X-P",{"$nulls":4},"Irish Pound","1.38090",null,null,"Kentucky",1792,"KY","Frankfort",null,null,16,"Abraham Lincoln","1809 - 1865","Republican","Kentucky","1861 - 1865","Hannibal Hamlin-Andrew Johnson",null,"Martin Van Buren",null,"Van Buren"]
[null,5,"Find Number of Periods (NPER)=",{"v":15.623132526871741,"d":"15.62"},null,"NPER(IE,-Q,P)",{"$nulls":4},"Israeli Shekel",3.6029,null,null,"Louisiana",1812,"LA","Baton Rouge",null,null,17,"Andrew Johnson","1808 - 1875","National Union","North Carolina","1865 - 1869",null,null,"Millard Fillmore",null,"Fillmore"]
[null,6,"Find Amount of Interest in Payment=",{"v":50,"d":"$50.00"},null,"IPMT(IE,1,M,P)",{"$nulls":4},"Italian Lira","0.00055",null,null,"Maine",1820,"ME","Augusta",null,null,18,"Ulysses Simpson Grant","1822 - 1885","Republican","Ohio","1869 - 1877","Schuyler Colfax-Henry Wilson",null,"Theodore Roosevelt","Teddy Roosevelt","Roosevelt"]
[null,7,"Find Length of Monthly Payments from Fixed Amount=",{"v":1.301927710572645,"d":"1.30"},null,"(NPER(IE,-Q,P))/12",{"$nulls":4},"Japanese Yen","0.00775",null,null,"Maryland",1788,"MD","Annapolis",null,null,19,"Rutherford Birchard Hayes","1822 - 1893","Republican","Ohio","1877 - 1881","William Wheeler",null,"Franklin Roosevelt",null,"Roosevelt"]
[null,8,"Find Payment=",{"v":860.6642970708323,"d":"$860.66"},null,"PMT(IE,M,-P)",{"$nulls":4},"Malaysian Ringgit","0.27248",null,null,"Massachusetts",1788,"MA","Boston",null,null,20,"James Abram Garfield","1831 - 1881","Republican","Ohio","1881 - 1881","Chester A. Arthur",null,"James Polk",null,"Polk"]
[null,9,"Find Loan Balance=",{"v":7749.82768856631,"d":"$7,749.83"},null,"Q/IE * (1 -(1 + IE)^ - M)",{"$nulls":4},"Mexican Peso","0.11781",null,null,"Michigan",1837,"MI","Lansing",null,null,21,"Chester Alan Arthur","1830 - 1886","Republican","Vermont","1881 - 1885",null,null,"Andrew Johnson",null,"Johnson"]
[null,10,"Future Value of Single Amount=",{"v":10613.635506249995,"d":"$10,613.64"},null,"P*(1+I/CP)^(CP*Y)",{"$nulls":4},"New Zealand Dollar","0.55360",null,null,"Minnesota",1858,"MN","St. Paul",null,null,22,"Grover Cleveland","1837 - 1908","Democrat","New Jersey","1885 - 1889","Thomas Hendricks",null,"Ulysses Grant",null,"Grant"]
[null,11,"Present Value of Single Amount=",{"v":9421.842302867244,"d":"$9,421.84"},null,"F/(1+I/CP)^(CP*Y)",{"$nulls":4},"Norwegian Krone","0.13224",null,null,"Mississippi",1817,"MS","Jackson",null,null,23,"Benjamin Harrison","1833 - 1901","Republican","Ohio","1889 - 1893","Levi P. Morton",null,"Rutherford Hayes",null,"Hayes"]
[null,12,"Future Value of Monthly Payments=",{"v":8227.820102723981,"d":"$8,227.82"},null,"Q/IE*((1+IE)^(12*Y)-1)",{"$nulls":4},"Philippines Pesos",39.04,null,null,"Missouri",1821,"MO","Jefferson City",null,null,24,"Grover Cleveland","1837 - 1908","Democrat","New Jersey","1893 - 1897","Adlai E. Stevenson",null,"James Garfield",null,"Garfield"]
[null,13,"Present Value of Monthly Payments=",{"v":7749.82768856631,"d":"$7,749.83"},null,"Q/IE*(1-(1+IE)^-(12*Y))",{"$nulls":4},"Portuguese Escudo","0.00535",null,null,"Montana",1889,"MT","Helena",null,null,25,"William McKinley","1843 - 1901","Republican ","Ohio","1897 - 1901","Garret Hobart-Theodore Roosevelt",null,"Benjamin Harrison",null,"Harrison"]
[null,14,"Future Value in Todays Dollars=",{"v":9708.73786407767,"d":"$9,708.74"},null,"F/(1+IF)^Y",{"$nulls":4},"Singapore Dollar","0.63051",null,null,"Nebraska",1867,"NE","Lincoln",null,null,26,"Theodore Roosevelt","1858 - 1919","Republican","New York","1901 - 1909","Charles Fairbanks",null,"William McKinley",null,"McKinley"]
[null,15,"Required IRA Disbursement for those over 70-1/2=",{"v":625,"d":"$625.00"},null,"P/L",{"$nulls":4},"South African Rand","0.19845",null,null,"Nevada",1864,"NV","Carson City",null,null,27,"William Howard Taft","1857 - 1930","Republican","Ohio","1909 - 1913","James Sherman",null,"William Taft",null,"Taft"]
[{"$nulls":10},"South Korean Won","0.00072",null,null,"New Hampshire",1788,"NH","Concord",null,null,28,"Woodrow Wilson","1856 - 1924","Democrat","Virginia","1913 - 1921","Thomas Marshall",null,"Warren Harding",null,"Harding"]
[{"$nulls":5},"ALTERNATE FORMULAS:",{"$nulls":4},"Spanish Peseta","0.00646",null,null,"New Jersey",1787,"NJ","Trenton",null,null,29,"Warren Gamaliel Harding","1865 - 1923","Republican","Ohio","1921 - 1923","Calvin Coolidge",null,"James Buchanan",null,"Buchanan"]
[null,null,"Find Payment=",{"v":860.6642970708323,"d":"$860.66"},null,"P * ((1 + IE)^M * IE)/((1 + IE)^M - 1)",{"$nulls":4},"Sri Lankan Rupee","0.01601",null,null,"New Mexico",1912,"NM","Santa Fe",null,null,30,"Calvin Coolidge","1872 - 1933","Republican","Vermont","1923 - 1929","Charles Dawes",null,"Andrew Jackson",null,"Jackson"]
[null,null,"Find Payment=",{"v":860.6642970708328,"d":"$860.66"},null,"P * IE/(1-(1/(1+IE)^M))",{"$nulls":4},"Swedish Krona","0.12696",null,null,"New York",1788,"NY","Albany",null,null,31,"Herbert Clark Hoover","1874 - 1964","Republican","Iowa","1929 - 1933","Charles Curtis",null,"Dwight Eisenhower","Ike Eisenhower","Eisenhower"]
[{"$nulls":10},"Swiss Franc","0.65980",null,null,"North Carolina",1789,"NC","Raleigh",null,null,32,"Franklin Delano Roosevelt","1882 - 1945","Democrat","New York","1933 - 1945","John Garner-Henry Wallace-Harry Truman",null,"Lyndon Johnson",null,"Johnson"]
[{"$nulls":10},"Taiwan N.T. Dolla","0.03039",null,null,"North Dakota",1889,"ND","Bismark",null,null,33,"Harry S. Truman","1884 - 1972","Democrat","Missouri","1945 - 1953","Alben Barkley",null,"Chester Arthur",null,"Arthur"]
[null,null,"                               Easter Date Formula - Courtesy of Bob Coffield, Midland, Michigan, E-mail: BOBCOFF.",{"$nulls":7},"Thai Baht","0.02500",null,null,"Ohio",1803,"OH","Columbus",null,null,34,"Dwight David Eisenhower","1890 - 1969","Republican","Texas","1953 - 1961","Richard Nixon",null,"Calvin Coolidge",null,"Coolidge"]
[{"$nulls":10},"Venezuelan Bolivar","0.00189",null,null,"Oklahoma",1907,"OK","Oklahoma City",null,null,35,"John Fitzgerald Kennedy","1917 - 1963","Democrat","Massachusetts","1961 - 1963","Lyndon Johnson",null,"George Washington",null,"Washington"]
[{"$nulls":3},1999,"1999 and next 15 Years",{"$nulls":9},"Oregon",1859,"OR","Salem",null,null,36,"Lyndon Baines Johnson","1908 - 1973","Democrat","Texas","1963 - 1969","Hubert H. Humphrey",null,"Thomas Jefferson",null,"Jefferson"]
[{"$nulls":3},4,"1999-04-04",1999,4,4,{"$nulls":6},"Pennsylvania",1787,"PA","Harrisburg",null,null,37,"Richard Milhous Nixon","1913 - 1994","Republican","California","1969 - 1974","Spiro Agnew-Gerald Ford",null,"James Madison",null,"Madison"]
[{"$nulls":3},19,"2000-04-23",2000,4,23,{"$nulls":6},"Rhode Island",1790,"RI","Providence",null,null,38,"Gerald Rudolph Ford","1913 -","Republican","Nebraska","1974 - 1977","Nelson Rockefeller",null,"James Monroe",null,"Monroe"]
[{"$nulls":3},99,"2001-04-15",2001,4,15,{"$nulls":6},"South Carolina",1788,"SC","Columbia",null,null,39,"James Earl Carter Jr.","1924 -","Democrat","Georgia","1977 - 1981","Walter Mondale",null,"William Harrison",null,"Harrison"]
[{"$nulls":3},4,"2002-03-31",2002,3,31,{"$nulls":6},"South Dakota",1889,"SD","Pierre",null,null,40,"Ronald Wilson Reagan","1911 -","Republican","Illinois","1981 - 1989","George Bush",null,"Zachary Taylor",null,"Taylor"]
[{"$nulls":3},3,"2003-04-20",2003,4,20,{"$nulls":6},"Tennessee",1796,"TN","Nashville",null,null,41,"George Herbert Walker Bush","1924 -","Republican","Massachusetts","1989 - 1993","J. Danforth Quayle",null,"John Tyler",null,"John Tyler"]
[{"$nulls":3},1,"2004-04-11",2004,4,11,{"$nulls":6},"Texas",1845,"TX","Austin",null,null,42,"William Jefferson Clinton","1946 -","Democrat","Arkansas","1993 -2001","Albert Gore, Jr.",null,"Woodrow Wilson",null,"Wilson"]
[{"$nulls":3},6,"2005-03-27",2005,3,27,{"$nulls":6},"Utah",1896,"UT","Salt Lake City"]
[{"$nulls":3},10,"2006-04-16",2006,4,16,{"$nulls":6},"Vermont",1791,"VT","Montpelier"]
[{"$nulls":3},24,"2007-04-08",2007,4,8,{"$nulls":6},"Virginia",1788,"VA","Richmond"]
[{"$nulls":3},3,"2008-03-23",2008,3,23,{"$nulls":6},"Washington",1889,"WA","Olympia"]
[{"$nulls":3},73,"2009-04-12",2009,4,12,{"$nulls":6},"West Virginia",1863,"WV","Charleston"]
[{"$nulls":3},3,"2010-04-04",2010,4,4,{"$nulls":6},"Wisconsin",1848,"WI","Madison"]
[{"$nulls":3},0,"2011-04-24",2011,4,24,{"$nulls":6},"Wyoming",1890,"WY","Cheyenne"]
[{"$nulls":3},127,"2012-04-08",2012,4,8]
[{"$nulls":3},4,"2013-03-31",2013,3,31]
[{"$nulls":3},4,"2014-04-20",2014,4,20]