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{"sheet":"Lumpsum","index":0,"n_rows":31,"n_cols":3,"rows_kept":31,"cut":false,"hidden":false,"merged":[]}
["Future Value Calculations"]
["Present Value",10000]
["Years",5]
["Rate",0.08]
["Future Value (Excel Function)",{"$f":"FV(B4,B3,-B2)","v":58666.009600000041},{"$f":"_xlfn.FORMULATEXT(B5)","v":"=FV(B4,B3,-B2)"}]
["Future Value (Formula)",{"$f":"FV(B4,B3,-B2)","v":58666.009600000041},{"$f":"_xlfn.FORMULATEXT(B6)","v":"=FV(B4,B3,-B2)"}]
["Future Value (Using VBA)",{"$f":"FV(B4,B3,-B2)","v":58666.009600000041},"=FV(B4,B3,-B2)"]
[]
["Present Value Calculations"]
["Future Value",15000]
["Years",4]
["Rate",7.0000000000000007E-2]
["Present Value (Excel Function)",{"$f":"PV(B12,B11,B10)","v":-50808.16884695887},{"$f":"_xlfn.FORMULATEXT(B13)","v":"=PV(B12,B11,B10)"}]
["Present Value (Formula)",{"$f":"PV(B12,B11,B10)","v":-50808.16884695887},{"$f":"_xlfn.FORMULATEXT(B14)","v":"=PV(B12,B11,B10)"}]
["Present Value (Using VBA)",{"$f":"PV(B12,B11,B10)","v":-50808.16884695887},"=PV(B12,B11,B10)"]
[]
["Interest Rate Calculations"]
["Present Value",10000]
["Years",5]
["Future Value",15000]
["Interest Rate (Excel Function)",{"$f":"RATE(B19,B18,-B20)","v":0.60384728191783255},{"$f":"_xlfn.FORMULATEXT(B21)","v":"=RATE(B19,B18,-B20)"}]
["Future Value (Formula)",{"$f":"RATE(B19,B18,-B20)","v":0.60384728191783255},{"$f":"_xlfn.FORMULATEXT(B22)","v":"=RATE(B19,B18,-B20)"}]
["Future Value (Using VBA)",{"$f":"RATE(B19,B18,-B20)","v":0.60384728191783255},{"$f":"_xlfn.FORMULATEXT(B23)","v":"=RATE(B19,B18,-B20)"}]
[]
["Time Period Calculations"]
["Present Value",150000]
["Future Value",1000000]
["Rate",7.0000000000000007E-2]
["# of Years (Excel Function)",{"$f":"NPER(B28,,B26,-B27)","v":28.039578497050545},{"$f":"_xlfn.FORMULATEXT(B29)","v":"=NPER(B28,,B26,-B27)"}]
["# of Years (Formula)",{"$f":"NPER(B28,,B26,-B27)","v":28.039578497050545},{"$f":"_xlfn.FORMULATEXT(B30)","v":"=NPER(B28,,B26,-B27)"}]
["# of Years (Using VBA)",{"$f":"NPER(B28,,B26,-B27)","v":28.039578497050545},{"$f":"_xlfn.FORMULATEXT(B31)","v":"=NPER(B28,,B26,-B27)"}]

{"sheet":"Annuity","index":1,"n_rows":41,"n_cols":3,"rows_kept":41,"cut":false,"hidden":false,"merged":[]}
[{"$f":"PV(B/12,B4*12,B2)","v":{"$error":"#NAME?"}}]
["Payment",-2500,"Monthly"]
["Interest Rate",4.4999999999999998E-2,"APR"]
["Loan Term",30,"Years"]
["Present Value (Excel Function)",{"$f":"PV(B3,B4,B2)","v":40722.221360722062},{"$f":"_xlfn.FORMULATEXT(B5)","v":"=PV(B3,B4,B2)"}]
["Present Value (Formula)",{"$f":"PV(B3,B4,B2)","v":40722.221360722062},{"$f":"_xlfn.FORMULATEXT(B6)","v":"=PV(B3,B4,B2)"}]
["Present Value (VBA)",{"$f":"PV(B3,B4,B2)","v":40722.221360722062},{"$f":"_xlfn.FORMULATEXT(B7)","v":"=PV(B3,B4,B2)"}]
[]
["Future Value of an Annuity"]
["Payment",10000,"Yearly"]
["Interest Rate",0.1,"APR"]
["Number of Payments",30,"Years"]
["Future Value (Excel Function)",{"$f":"FV(B11,B12,-B10)","v":1644940.2268886445},{"$f":"_xlfn.FORMULATEXT(B13)","v":"=FV(B11,B12,-B10)"}]
["Future Value (Formula)",{"$f":"FV(B11,B12,-B10)","v":1644940.2268886445},{"$f":"_xlfn.FORMULATEXT(B14)","v":"=FV(B11,B12,-B10)"}]
["Future Value (VBA)",{"$f":"FV(B11,B12,-B10)","v":1644940.2268886445},{"$f":"_xlfn.FORMULATEXT(B15)","v":"=FV(B11,B12,-B10)"}]
[]
["Solving for an Annuity Payment"]
["Present Value",493403]
["Future Value",0]
["Loan Term",30,"Years"]
["Interest Rate",4.4999999999999998E-2]
["Monthly Payment Amount (Excel Function)",{"$f":"PMT(B21/12,B20*12,B18,B19)","v":-2500.00051924019},{"$f":"_xlfn.FORMULATEXT(B22)","v":"=PMT(B21/12,B20*12,B18,B19)"}]
["Monthly Payment Amount (Formula)",{"$f":"PMT(B21/12,B20*12,B18,B19)","v":-2500.00051924019},"=PMT(B21/12,B20*12,B18,B19)"]
["Monthly Payment Amount (VBA)",{"$f":"PMT(B21/12,B20*12,B18,B19)","v":-2500.00051924019},"=PMT(B21/12,B20*12,B18,B19)"]
[]
["Solving for N in an Annuity"]
["Present Value",0]
["Future Value",1000000]
["Monthly Payment",2000]
["Annual Rate",7.0000000000000007E-2,"APR"]
["Number of Years (Excel Function)",{"$f":"NPER(B30,B29,B27,-B28)","v":52.964684032123365},{"$f":"_xlfn.FORMULATEXT(B31)","v":"=NPER(B30,B29,B27,-B28)"}]
["Number of Years (Formula)",{"$f":"NPER(B30,B29,B27,-B28)","v":52.964684032123365},"=NPER(B30,B29,B27,-B28)"]
["Number of Years (VBA)",{"$f":"NPER(B30,B29,B27,-B28)","v":52.964684032123365},"=NPER(B30,B29,B27,-B28)"]
[null,null,{"$f":"RATE","v":{"$error":"#NAME?"}}]
["Solving for i in an Annuity"]
["Present Value",-350000]
["Future Value",420000]
["Annual Payment",50000]
["Number of Years",10]
["Annual Rate (Excel Function)",{"$f":"RATE(B39,B38,B36,)","v":7.0728208366295175E-2},{"$f":"_xlfn.FORMULATEXT(B40)","v":"=RATE(B39,B38,B36,)"}]
["THERE IS NO FORMULA SOLUTION!"]

{"sheet":"Deferred_Annuity","index":2,"n_rows":9,"n_cols":3,"rows_kept":9,"cut":false,"hidden":false,"merged":[]}
["Retirement Worksheet"]
["Annual Retirement Income Need",125000]
["Years until Retirement",30]
["Years in Retirement",35]
["Rate of Return before Retirement",0.08]
["Rate of Return during Retirement",0.06]
["Savings Required at Retirement",{"$f":"FV(B6,B3,-B2)","v":9882273.2769026253},{"$f":"_xlfn.FORMULATEXT(B7)","v":"=FV(B6,B3,-B2)"}]
["Investment Required Today",{"$f":"PV(B5,B3,B2)","v":-1407222.9178909357},{"$f":"_xlfn.FORMULATEXT(B8)","v":"=PV(B5,B3,B2)"}]
["Annual Investment Required",{"$f":"PV(B5,B4,B2)","v":-1456821.0270321404},"=PV(B5,B4,B2)"]

{"sheet":"Graduated_Annuity","index":3,"n_rows":7,"n_cols":3,"rows_kept":7,"cut":false,"hidden":false,"merged":[]}
["Term of Investment (Years)",30]
["Required Return",0.1]
["Growth Rate",0.05]
["First Payment",10000]
[]
["Ellen's Retirement Value (FV, Using Formula)",{"$f":"FV(B3,B1,-B4)","v":664388.47503013245},{"$f":"_xlfn.FORMULATEXT(B6)","v":"=FV(B3,B1,-B4)"}]
["Ellen's Retirement Value (FV, Using VBA)",{"$f":"FV(B3,B1,-B4)","v":664388.47503013245},{"$f":"_xlfn.FORMULATEXT(B7)","v":"=FV(B3,B1,-B4)"}]

{"sheet":"Uneven_Cashflows","index":4,"n_rows":12,"n_cols":2,"rows_kept":12,"cut":false,"hidden":false,"merged":[]}
["Yield of Uneven Cash Flows"]
["Year","Cash Flow"]
[0,-10000]
[1,1000]
[2,2000]
[3,3000]
[4,4000]
[5,5000]
["IRR",{"$f":"IRR(10%, 15%)","v":{"$error":"#NUM!"}}]
["Cost of Capital",0.1]
[]
["NPV",{"$f":"NPV(10%,1000,1000)","v":1735.5371900826444}]

{"sheet":"EAR_APR","index":5,"n_rows":16,"n_cols":6,"rows_kept":16,"cut":false,"hidden":false,"merged":[]}
["Nonannual Compounding Worksheet"]
["Initial Investment",1000]
["APR",0.1]
["Term of Investment (Years)",1]
["First National Bank"]
["Periods per Year",1,null,"EAR",null,"Nominal"]
["Future Value",{"$f":"(1+B3/1)-1*B2","v":-998.9},null,null,null,{"$f":"NOMINAL(D7,B6)","v":{"$error":"#NUM!"}}]
["Second National Bank"]
["Periods per Year",2]
["Future Value",{"$f":"(1+B3/B9)*B2","v":1050},null,null,null,{"$f":"NOMINAL(D10,B9)","v":{"$error":"#NUM!"}}]
["Third National Bank"]
["Periods per Year",12]
["Future Value",{"$f":"(1+B3/B12)*B2","v":1008.3333333333333},null,null,null,{"$f":"NOMINAL(D13,B12)","v":{"$error":"#NUM!"}}]
["Infinite National Bank"]
["Periods per Year",99999999]
["Future Value",{"$f":"(1+B3/B15)*B2","v":1000.0000010000001},null,null,null,{"$f":"NOMINAL(D16,B15)","v":{"$error":"#NUM!"}}]