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  1.  
  2. Problem  This template is designed to explore techniques of extending the
  3.          potential of several LOTUS 1-2-3 "@-functions", and also to
  4.          produce a variable term-length loan amortization schedule in
  5.          which principal and interest are calculated for each year, and
  6.          then accumulated into ongoing totals.
  7.  
  8. Block Diagram  ___________________
  9.               |                   |
  10.               |  Instructions     |
  11.               |___________________|
  12.               |                   |
  13.               |  Inputs           |
  14.               |___________________|
  15.               |                   |
  16.               |  50 period        |
  17.               |  Amort Sch.       |
  18.               |  (yrly basis)     |
  19.               |                   |
  20.               |___________________|
  21.  
  22.  
  23. Tips
  24.          Good 9 year graph (press F10) of balance, cumulative principal,
  25.          and cum. interest.
  26.  
  27.          Sophisticated and versital amort formulas beg. at cell B121
  28.          Here's a sample of one of the formulas:
  29.  
  30.       @IF(A121-$A$119>$E$106,@NA,@PV(@IF($E$109,$E$110/12,$E$110),
  31.         @IF($E$109,$E$105/12,$E$105),@IF($E$109,($E$106-A121+$A$119)*12,
  32.         $E$106-A121+$A$119)))
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