IMD 1.16: 29/05/2007 18:40:22 FOGCPM.069 ååååååååååååååå--FOGCPM069AMORT60 CAL€ AMORT60 CALP-06-00 86 ¢AMORT DOC3 !"#BALANCE CAL$%BALANCE DOC&CHECK CAL '(CHECK DOC)CHECKBALCALe*+,-./0123456FINANAL CAL%789:;FINANAL DOC <=GEM2 CAL€>?@ABCDEFGHIJKLMGEM2 CALHNOPQRSTUV-CPM069 DOC£¤¥GEMLOAN CAL€WXYZ[\]^_`abcdefGEMLOAN CALHghijklmnoHISNHERSCAL}pqrstuvwxyz{|}~NETBLANKCALH€‚ƒ„…†‡ˆNETWORTHCALL‰Š‹ŒŽ‘’NETWORTHDOC>“”•–—˜™šSTMTRATOCAL!›œžŸSTMTRATODOC ¡åååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååThis is the disk name. ååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååSuperCalc Ver. 1.05   @@ A AA A@ A QA A @4; D#"60 Month Amortization,Comparing Purchase and Selling Values""Adding First and Second Mortgagess '"(c) 1982 Scott Rainey Portland Oregon OSBUG, all rights reserved. This template donated to the Public Domain"Copy the"Loan Amt:AD0000!" Bought From: "Loan Amt: A00000 %" This template may not be resold with out the express written consent of the author."apropriate " Payment:A000 " Payment: A000"Monthsfrom "Interest:A02 " {.12=12%} "Interest: A0900000000"from A toAB0Afffffg365/12onth:!"--Days in 1st Month: AB0Afffffg365/12NOV !"--Days in 1st Month:"B10, then '=29/12)'"================================================================================================================= '-"/Delete "Mo:6000 "Pmt " Pmt: " Int: " Prin:. " Balance: " Mo: " Pmt:  " Int:D4-M  " Prin:  " Bal: !" 1st & 2nd Total"Col. 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;G60+L60<"APR<¡BRC60+15<D60R<G60*D4/12C90+<D61-E61A57+<G60-F61A81+<¡BRC611<I60 <L60*(J4/12) <I61-J61 <L60-K61 <G61+L61="MAYD34=¡BSC61+16=D61R=G61*D4/12C91+=D62-E62A58+=G61-F62A82+=¡BSC621B0C59=I61 =L61*(J4/12) =I62-J62 =L61-K62 =G62+L62>"JUN>¡BTC62+17>D62R>G62*D4/12C92+>D63-E63A59+>G62-F63A83+>¡BTC631>I62 >L62*(J4/12) >I63-J63 >L62-K63 >G63+L63?"JULD35?¡BUC63+18?D63R?G63*D4/12C93+?D64-E64A60+?G63-F64A84+?¡BUC641B0C61?I63 ?L63*(J4/12) ?I64-J64 ?L63-K64 ?G64+L64@"AUG@¡BVC64+19@D64R@G64*D4/12C94+@D65-E65A61+@G64-F65A85+@¡BVC651@I64 @L64*(J4/12) @I65-J65 @L64-K65 @G65+L65A"SEPD36A¡BWC65+10AD65RAG65*D4/12C95+AD66-E66A62+AG65-F66A86+A¡BWC661B0C63AI65 AL65*(J4/12) AI66-J66 AL65-K66 AG66+L66B"OCTB¡BXC66+11BD66RBG66*D4/12C96+BD67-E67A63+BG66-F67A87+B¡BXC671BI66 BL66*(J4/12) BI67-J67 BL66-K67 BG67+L67C"NOVD37C¡BYC67+12CD67RCG67*D4/12C97+CD68-E68A64+CG67-F68A88+C¡BYC681B0C65CI67 CL67*(J4/12) CI68-J68 CL67-K68 CG68+L68D"DEC100D¡B`C68+1DD68RDG68*D4/12A41+DD69-E69A65+DG68-F69A89+D¡B`C691DI68 DL68*(J4/12) DI69-J69 Pmt: DL68-K69 DG69+L69E"JANughton E" To make longer amortizations:F"FEBd to:urF"Load PART of AMORT60: (A1:G69)G"MARht From:G"Replicate formulas from Row 69totoH"APRH"to: Rows 70 to 150allI"MAYI" This makes total of 13 1/2 yrsJ"JUNK"JULK"You can also make multiple runsL"AUGL"Of these spreadsheets, andM"SEPM"/Output the numbers from eachN"OCTN"run to a .PRN file and mergeO"NOVO"them with WordStar Using ^KRP"DEC #################################################### #||----------------------------------------------||# #üü|ü} Theså routineó are copyright 1982 bù {||||# #üüü|} Scotô Rainey¬ anä all rights are {||||# #||||} reserved. These templates arå donateä {||||# #||||} tï thå publiã domain® Theù maù noô bå {||||# #||||} resolä withouô thå expresó writteî {||||# #||||} consenô oæ thå Authoò {||||# #||----------------------------------------------||# #################################################### AMORT.DOC (c) 1982 Scott Rainey OSBUG Portland Oregon This disk contains three large SuperCalc templates: AMORT60.CAL (26K) GEMLOAN.CAL (26K) GEM2 .CAL (26K) Theù areá alì loaî amortizatioî programs¬ suitablå foò uså witè thå ne÷ Reaì Estatå realitieó oæ Cretivå Financing¬ anä Growinç Equitù Mortgageó   (GEM's) GEMLOAN.CAÌ showó thå standarä concepô foò á Growinç Equitù Mortgage® In a GEM mortgage thå monthlù paymentó increaså everù yeaò bù á pre- determineä percentagå whicè yoõ select¬ whilå thå interesô ratå stayó thå same® Thå ideá ió thaô alì oæ thå additionaì paymenô goeó tï reductioî oæ principal¬ anä thå loaî ió paiä ofæ iî aproximatelù halæ thå time® Mosô GEÍ loanó starô witè á paymenô baseä oî á 3° yeaò amortization¬ anä stoð thå paymenô increaseó afteò thå firsô teî years® GEM2.CAÌ doeó noô stoð paymenô increases¬ sï yoõ caî seå thå difference. Iæ yoõ arå contemplatinç á GEÍ Loan¬ simplù load GEMLOAN.CAÌ oò GEM2.CAÌ anä pluç iî thå numberó thaô fiô youò circumstances® Thå loweò windo÷ wilì sho÷ wherå iî thå 14tè tï 16tè yeaò youò loaî iî paiä ofæ tï zerï (actuallù thå balancå oæ youò loaî wilì begiî showinç á negativå number© GEMLOAN.CAÌ increaseó monthlù paymentó everù yeaò foò thå firsô teî years® GEM2.CAÌ increaseó youò paymentó everù yeaò untiì thå loaî iî paiä off. Iî botè calculations¬ expresó youò paymenô creaså aó x¥ « 100¥ (4¥ annuaì paymenô increaså shoulä bå listeä aó 1.04» á 3.5¥ paymenô increaså would be listed as 1.035) Á variatioî woulä bå iæ yoõ èavå aî existinç Šloaî anä wanô tï paù iô ofæ sooner® Yoõ caî fill iî youò presenô mortgagå balance¬ anä plaù witè aî accelerateä paymenô schedule® Á seconä variatioî woulä bå tï replacå thå numberó iî column B bù replicatinç cell B9 froí B10 tï B198® Thió changå wilì allo÷ yoõ tï filì iî youò owî variationó iî payments¬ aô thå times¬ anä iî thå amountó thaô yoõ thinë apropriate® Yoõ caî eveî includå largå lumð suí paymentó anä seå the effect on your balance. AMORT60.CAÌ ió á µ yeaò (6° month© cumulitavå amortizatioî foò twï setó oæ mortgagå realities® Theså caî bå Firsô anä Seconä Loans¬ oò witè á small change, a selling and buying comparison. AMORT60.CAÌ ió á verù versatilå package¬ intendeä foò uså wherå thå partieó tï á privatå contraô comå uð witè theiò owî paymenô schedules¬ withouô regarä foò regulaò amortizatioî tables. Iô containó twï paralleì amortizatioî calculations® foò uså witè Firsô anä Seconä Mortgageó oò bù changinç thå lasô columî froí adä tï subtract, á sellinç anä buyinç comparison. Foò firsô anä seconä mortgagå situations¬ simplù filì iî thå numberó iî thå upper blockó iî columnó Ä anä J¬ theî presó "!¢ (Manuaì Recalculation© anä wilì watcè aó SuperCalã calculateó thå amounô oæ payment¬ Principle¬ Interest¬ anä thå monthlù balancå foò thå firsô anä seconä mortgages¬ theî showó yoõ theiò suí iî thå lasô column® Naturallù yoõ wilì havå tï scrolì anä paî arounä thå spreadsheeô tï seå alì oæ theså figures. Expresó youò interesô ratå aó á decimal® thió meanó thaô foò 12¥ APÒ yoõ woulä filì iî .12. Foò 15.5% APR you would fill in .155. Becauså thå firsô montè oæ mosô loanó is noô alwayó á fulì 30 oò 3± dayó long¬ thå calculatioî containó á provisioî foò á first montè thaô caî bå anù length¬ eitheò morå oò lesó thaî 3° days® Thå defaulô settinç ió 365/1² oò one twelvth (1/12th) of a year. Iæ yoõ plaî tï prinô ouô thå resultinç numbers¬ yoõ caî Copù (/C.....© thå Montè blocë froí columî Á intï Columî B® Begiî youò copù blocë iî columî Á aô thå montè oæ thå firsô payment¬ anä ruî iô tï A72¬ thå lasô Montè iî thå column® Movå this block tï celì B1°, nexô tï thå firsô payment® Oncå you'vå donå this¬ yoõ wilì wanô tï deletå columî A® Aó written¬ AMORT60.CAÌ containó provisionó foò botè á firsô anä seconä mortgage® Yoõ caî howeveò changå thå calculatioî iî thå lasô columî tï reflecô thå differencå iæ yoõ havå solä á propertù oî contracô anä wanô tï comparå whaô yoõ Šowå tï whaô ió oweä you® Simplù ediô thå firsô celì iî thå lasô columî anä changå thå « tï á - anä replicate that cell to the bottom of the template. Alì threå oæ theså templateó havå beeî seô tï require manual reclaculations with "!" Alì threå oæ theså templateó takå uð almosô thå maximuí amounô oæ memorù availablå iî á 64Ë CP/Í system after SuperCalc is loaded. Iæ yoõ neeä calculatonó thaô gï foò morå thaî µ yearó foò á regulaò amortization¬ loaä thå firsô halæ oæ AMORT60.CAÌ usinç thå /Loaä optioî: "Part,¢ anä theî replicatå thå bottoí ro÷ foò anotheò 8° rows® Anotheò variatioî woulä bå tï makå severaì templates® Ruî the calculation¬ theî outpuô thå contentó tï á disë filå (/O....)¬ ruî thå calculationó agaiî usinç thå bottoí ro÷ numberó anä agaiî outpuô thå resultinç numberó tï á seconä file¬ anä sï on® Wheî yoõ /Outpuô thå contentó oæ á spreaä sheeô tï á disë insteaä oæ Printinç oò /Savinç it¬ yoõ creatå á XXXXXXXX.PRÎ filå thaô caî bå read¬ modifieä anä printeä witè WordStar® Uså thå WordStaò commanä ^KÒ (Reaä iî anotheò file© tï mergå youò multiplå .PRÎ fileó. Removå thå unwanteä itemó usinç WordStaò ediô commands¬ anä makå á singlå filå foò pri nting® Naturallù witè WordStar¬ pageó wilì bå automaticallù broken¬ anä yoõ caî adä yoõ owî Headeró anä Footeró witè Dot Comands. Onå lasô note. Changå diskó iæ yoõ arå goinç tï savå anything® Yoõ won'ô wanô tï overprinô thå theså templates¬ anä thå disë wilì bå toï fulì iî single density format to add any more files. ws® Anotheò variatioî woulä bå tï makå severaì templates® Ruî the calculation¬ theî outpuô thå contentó tï á disë filå (/O....)¬ ruî thå calculationó agaiî usinç thå bottoí ro÷ numberó anä agaiî outpuô thå resultinç numberó tï á seconä file¬ anä sï on® Wheî yoõ /Outpuô thå contentó oæ á spreaä sheeô tï á disë insteaä oæ Printinç oò /Savinç it¬ yoõ creatå á XXXXXXXX.PRÎ filå thaô caî bå read¬ modifieä anä printeä witè WordStar® Uså thå WordStaò commanä ^KÒ (Reaä iî anotheò file© tï mergå youò multiplå .PRÎ fileó. Removå thå unwanteä itemó usinç WordStaò ediô commands¬ anä makå á singlå filå foò priSuperCalc Ver. 1.05 CHECKBOOK RECONCILIATION FORML·4: "CHECKBOOK RECONCILIATION FORM"Date last balanced:AD‚'8212.27alance:'~"Checkbook"Statement212"balance:ACAG414.71"balance:ACY 591.62"Add items not"Add credits not"in checkbook:book:AA8p3.87"on statement:nt "Sub.items not "Subtract checks "in checkbook: @@Q.51 "not cleared: AC5P173.55 "Adjustment: A3`B8-B11 "Adjustment: Ã5PE8-E11"Adjusted check-"Adjusted state-"book balance:CA€pB5+B13"ment balance:CA€pE5+E13"Reconciliation"error:ABS(B16-E16)"CHECKBOOK RECONCILIATION FORM"Date last balanced:AD‚'8212.27alance:'~"Checkbook"Statement212"balance:ACAG414.71"balance:ACY .op Re: BALANCE.CAL Submitted by: Gene Burnham NAB Date: 20 Jan 1983 SuperCalã spreadsheeô foò helpinç someonå reconcilå theiò checkbooë witè theiò monthlù banë statement® Studù SuperCalã sectioî oæ Osbornå manuaì foò directionó oî workinç witè sucè á spreadsheet® Notå thaô thió ió á differenô spreadsheeô froí thå onå whicè camå witè youò originaì SuperCalã prograí diskettå froí Osborne¬ alsï calleä BALANCE.CAL. ååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååSuperCalc Ver. 1.05 checksL· 4; !" checksks " openning!" outstandingnggtanding "interest " deposits " balance"1" $ $ $ $"1 " $ $ $ $"1 " $ $ $ $ "  $ $ $ $ " $ $ $ $ " $ $ $ $ " $ $ $ $ " $ $ $ $ " $ $ $ $ " $ $ $ $ " $ $ $ $ " $ $ $ $ " $ $ $ $ " $ $ $ $ " $ $ $ $ " closing "-------- "-------- "------- "------- " balance¡€-SUM(A3:A19)¡€-SUM(B3:B19)¡SUM(C3:C19)¡SUM(D3:D19)¡SUM(A20:D20)+E3 !" checksks " openning!" outstandingnggtanding "interest " deposits " balance"1" $ $ $ $"1 " $ $ $ $"1 " $ $ $ $ " CHECK.CAÌ takeó thå previouó balance¬ subtractó twï columnó oæ outstandinç checks¬ addó onå columî oæ interesô anä onå columî oæ depositó tï calculatå thå balance® É leavå thå prograí oî mù Supercalã disë sï iô ió easilù available. Jim Rowe ååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååSuperCalc ver. 1.12 L·4:ÿ ""CHECKING ACCOUNTÏÏÏσ‚B1COUNT(C3:D100)ÏÏÏÏÏ€"„IF(C63=0,0,MAX(B24:B62)+1)Ï>ƒCr$ E62-C63+D63AX(B24:B>„C‘!@F62+IF(A63=0,0,D63-C63)1)Ï?„IF(C64=0,0,MAX(B24:B63)+1)Ï?ƒCr$ E63-C64+D64AX(B24:B?„C‘!@F63+IF(A64=0,0,D64-C64)1)Ï@„IF(C65=0,0,MAX(B24:B64)+1)Ï@ƒCr$ E64-C65+D65AX(B24:B@„C‘!@F64+IF(A65=0,0,D65-C65)1)ÏA„IF(C66=0,0,MAX(B24:B65)+1)ÏAƒCr$ E65-C66+D66AX(B24:BA„C‘!@F65+IF(A66=0,0,D66-C66)1)ÏB„IF(C67=0,0,MAX(B24:B66)+1)ÏBƒCr$ E66-C67+D67AX(B24:BB„C‘!@F66+IF(A67=0,0,D67-C67)1)ÏC„IF(C68=0,0,MAX(B24:B67)+1)ÏCƒCr$ E67-C68+D68AX(B24:BC„C‘!@F67+IF(A68=0,0,D68-C68)1)ÏD„IF(C69=0,0,MAX(B24:B68)+1)ÏDƒCr$ E68-C69+D69AX(B24:BD„C‘!@F68+IF(A69=0,0,D69-C69)1)ÏE„IF(C70=0,0,MAX(B24:B69)+1)ÏEƒCr$ E69-C70+D70AX(B24:BE„C‘!@F69+IF(A70=0,0,D70-C70)1)ÏF„IF(C71=0,0,MAX(B24:B70)+1)ÏFƒCr$ E70-C71+D71AX(B24:BF„C‘!@F70+IF(A71=0,0,D71-C71)1)ÏG„IF(C72=0,0,MAX(B24:B71)+1)ÏGƒCr$ E71-C72+D72AX(B24:BG„C‘!@F71+IF(A72=0,0,D72-C72)1)ÏH„IF(C73=0,0,MAX(B24:B72)+1)ÏHƒCr$ E72-C73+D73AX(B24:BH„C‘!@F72+IF(A73=0,0,D73-C73)1)ÏI„IF(C74=0,0,MAX(B24:B73)+1)ÏIƒCr$ E73-C74+D74AX(B24:BI„C‘!@F73+IF(A74=0,0,D74-C74)1)ÏJ„IF(C75=0,0,MAX(B24:B74)+1)ÏJƒCr$ E74-C75+D75AX(B24:BJ„C‘!@F74+IF(A75=0,0,D75-C75)1)ÏK„IF(C76=0,0,MAX(B24:B75)+1)ÏKƒCr$ E75-C76+D76AX(B24:BK„C‘!@F75+IF(A76=0,0,D76-C76)1)ÏL„IF(C77=0,0,MAX(B24:B76)+1)ÏLƒCr$ E76-C77+D77AX(B24:BL„C‘!@F76+IF(A77=0,0,D77-C77)1)ÏM„IF(C78=0,0,MAX(B24:B77)+1)ÏMƒCr$ E77-C78+D78AX(B24:BM„C‘!@F77+IF(A78=0,0,D78-C78)1)ÏN„IF(C79=0,0,MAX(B24:B78)+1)ÏNƒCr$ E78-C79+D79AX(B24:BN„C‘!@F78+IF(A79=0,0,D79-C79)1)ÏO„IF(C80=0,0,MAX(B24:B79)+1)ÏOƒCr$ E79-C80+D80AX(B24:BO„C‘!@F79+IF(A80=0,0,D80-C80)1)ÏP„IF(C81=0,0,MAX(B24:B80)+1)ÏPƒCr$ E80-C81+D81AX(B24:BP„C‘!@F80+IF(A81=0,0,D81-C81)1)ÏQ„IF(C82=0,0,MAX(B24:B81)+1)ÏQƒCr$ E81-C82+D82AX(B24:BQ„C‘!@F81+IF(A82=0,0,D82-C82)1)ÏR„IF(C83=0,0,MAX(B24:B82)+1)ÏRƒCr$ E82-C83+D83AX(B24:BR„C‘!@F82+IF(A83=0,0,D83-C83)1)ÏS„IF(C84=0,0,MAX(B24:B83)+1)ÏSƒCr$ E83-C84+D84AX(B24:BS„C‘!@F83+IF(A84=0,0,D84-C84)1)ÏT„IF(C85=0,0,MAX(B24:B84)+1)ÏTƒCr$ E84-C85+D85AX(B24:BT„C‘!@F84+IF(A85=0,0,D85-C85)1)ÏU„IF(C86=0,0,MAX(B24:B85)+1)ÏUƒCr$ E85-C86+D86AX(B24:BU„C‘!@F85+IF(A86=0,0,D86-C86)1)ÏV„IF(C87=0,0,MAX(B24:B86)+1)ÏVƒCr$ E86-C87+D87AX(B24:BV„C‘!@F86+IF(A87=0,0,D87-C87)1)ÏW„IF(C88=0,0,MAX(B24:B87)+1)ÏWƒCr$ E87-C88+D88AX(B24:BW„C‘!@F87+IF(A88=0,0,D88-C88)1)ÏX„IF(C89=0,0,MAX(B24:B88)+1)ÏXƒCr$ E88-C89+D89AX(B24:BX„C‘!@F88+IF(A89=0,0,D89-C89)1)ÏY„IF(C90=0,0,MAX(B24:B89)+1)ÏYƒCr$ E89-C90+D90AX(B24:BY„C‘!@F89+IF(A90=0,0,D90-C90)1)ÏZ„IF(C91=0,0,MAX(B24:B90)+1)ÏZƒCr$ E90-C91+D91AX(B24:BZ„C‘!@F90+IF(A91=0,0,D91-C91)1)Ï[„IF(C92=0,0,MAX(B24:B91)+1)Ï[ƒCr$ E91-C92+D92AX(B24:B[„C‘!@F91+IF(A92=0,0,D92-C92)1)Ï\„IF(C93=0,0,MAX(B24:B92)+1)Ï\ƒCr$ E92-C93+D93AX(B24:B\„C‘!@F92+IF(A93=0,0,D93-C93)1)Ï]„IF(C94=0,0,MAX(B24:B93)+1)Ï]ƒCr$ E93-C94+D94AX(B24:B]„C‘!@F93+IF(A94=0,0,D94-C94)1)Ï^„IF(C95=0,0,MAX(B24:B94)+1)Ï^ƒCr$ E94-C95+D95AX(B24:B^„C‘!@F94+IF(A95=0,0,D95-C95)1)Ï_„IF(C96=0,0,MAX(B24:B95)+1)Ï_ƒCr$ E95-C96+D96AX(B24:B_„C‘!@F95+IF(A96=0,0,D96-C96)1)Ï`„IF(C97=0,0,MAX(B24:B96)+1)Ï`ƒCr$ E96-C97+D97AX(B24:B`„C‘!@F96+IF(A97=0,0,D97-C97)1)Ïa„IF(C98=0,0,MAX(B24:B97)+1)ÏaƒCr$ E97-C98+D98AX(B24:Ba„C‘!@F97+IF(A98=0,0,D98-C98)1)Ïb„IF(C99=0,0,MAX(B24:B98)+1)ÏbƒCr$ E98-C99+D99AX(B24:Bb„C‘!@F98+IF(A99=0,0,D99-C99)1)Ïc…IF(C100=0,0,MAX(B24:B99)+1)ÏÏÏÏÏÏÏÏcƒCr$ E99-C100+D100X(B24:c„C‘!@F99+IF(A100=0,0,D100-C100)Cr$ E92-C93+D93AX(B24:B\„C‘!@F92+IF(A93=0,0,D93-C93)1)Ï]„IF(C94=0,0,MAX(B24:B93)+1)Ï]ƒCr$ E93-C94+D94AX(B24:B]„C‘!@F93+IF(A94=0,0,D94-C94)1)Ï^„IF(C95=0,0,MAX(B24:B94)+1)Ï^ƒCr$ E94-C95+D95AX(B24:B^„C‘!@F94+IF(A95=0,0,D95-C95)1)Ï_„IF(C96=0,0,MAX(B24:B95)+1)Ï_ƒCr$ E95-C96+D96AX(B24:BSuperCalc Ver. 1.05 FOR: CONTINUOUS INTEREST COMPOUNDING =A5L·@4: #"FOR: CONTINUOUS INTEREST COMPOUNDING =A5 =A5#" FUTURE VALUE (UNEVEN CASH FLOW =A16=A16#" PRESENT VALUE TAX DEDUCTION =G5 =G5"" NET PRESENT VALUE OF INVESTMENT =G28)*""  CALCULATE RATE OF DEPRECIATION =L5 '*5)/100INT(""CONTINOUS INTEREST COMPOUNDING""PRESENT VALUE OF A TAX DEDUCTION !"CALCULATE DEPRECIATION RATE '- '-!"ANNUAL INTEREST RATE:!"TAX RATE ? ¡I9/100 !"ORIGINAL PRICE AEe650006 !"NO OF YEARS : !"INTEREST RATE % ? ¡I10/100 "RESALE PRICE AE10000 !"INITIAL DEPOSIT : !'- OF PERIODS ? ' !"NUMBER OF YEARS @A03 !"DEPOSIT WILL GROW TO: £INT(100*(B11*EXP(B9/100*B10))+.5)/100 " INF YEARS ¡B10 " YEARS ""INTEREST AMT PERIOD ?OD 1? `A1 ¢(I12*J9)/((1+J10)^H12)B4))+.5)/100 '_ ""  ? ¡A (H12+1) ¢(I13*J9)/((1+J10)^H13)(I7* "" ? ¡A0H13+1 ¢(I14*J9)/((1+J10)^H14)/((1+J5)^H8) !"DEPRECIATION RATE ¢BFINT(100*(1-(M10/M9)^(1/M11))+.5) "%"" ?¡A@H14+1 ¢(I15*J9)/((1+J10)^H15) !"ANNUAL DEP RATEION RATE ¡BINT(M14/M11+.5)"" ?¡APH15+1 ¢(I16*J9)/((1+J10)^H16)"'=TURE VALUE (UNEVEN CASH FLOW))5h•iRi(J7* '-#"FUTURE VALUE OF INVESTMENT (UNEVEN CASH FLOW)Dq„"UE(I10!"PRESENT VALUE OF DEDUCTION:¢INT(SUM(J11:J17)*100+.5)/100 '-((1+J4)^H18!"GROWTH RATE % ? ?^H17)!"NUMBER OF FLOWS ?!"NOTE: FOR MORE PERIODS!"INSERT ROWS BEFORE 11!"AMT OF CASH FLOW 1?aA1T(B18*100+.5)/100£INT(B24*(1+B21/100)^(B22-C24)*100+.5)/100!"AND REPLICATE G10:K10!" 2?2¡A C24+1£INT(B25*(1+B21/100)^(B22-C25)*100+.5)/100!"DO NOT ADJUST J3 OR J4!" 3?„(I6*¡A0C25+1£INT(B26*(1+B21/100)^(B22-C26)*100+.5)/100!" 4?¡A@C26+1£INT(B27*(1+B21/100)^(B22-C27)*100+.5)/100!" 5?4¡APC27+1£INT(B28*(1+B21/100)^(B22-C28)*100+.5)/100 '- '-!"FUTURE VALUE :¡SUM(D24:D29)0)^(B16""NET PRESENT VALUE OF AN INVESTMENT '-!"NOTE: FOR MORE PERIODS!"INVESTMENT ? !"INSERT ROWS BEFORE 23 !"NUMBER OF YEARS ?!!"AND REPLICATE A22:E225)/100!!"DESIRED RATE OF RETURN %?"!"DO NOT ADJUST B15 OR B16"!"CASH FLOW FOR YEAR ?"`A1#!" ?#`A 2$!" ?$`A03%!" ?%`A@4&!" ?&`AP5' '-VESTMENT?(!"NET PRESENT VALUE:(£INT(NPV((I34/100),I35:I40)*100+.5)/100-I3200 5?4¡APC27+1£INT(B28*(1+B21/100)^(B22-C28)*100+.5)/100 '- '-!"FUTURE VALUE :¡SUM(D24:D29)0)^(B16""NET PRESENT VALUE OF AN INVESTMENT '-!"NOTE: FOR MORE PERIODS!"INVESTMENT ? !"INSERT ROWS B FINANCIAL ANANLYSIS DOCUMENTATION Bob Hamilton P.O. Box 6054 % ARAMCO Dhahran, Saudi Arabia 12/31/83 Thió  SUPERCALà prograí ió aî examplå oæ ho÷ yoõ caî combinå smalì programó intï onå encompassinç program® Thió wilì allo÷ yoõ tï savå disë space®  Wheî É origniallù diä thió program¬ É haä SÄ anä  woulä  havå  useä  á totaì oæ 10Ë  foò  thå  fivå  programs® Combininç theí intï onå SUPERCALà program¬  useä onlù 6Ë  therebù savinç  må  space®  É  don'ô  receivå thå samå  savingó  sincå  É upgraded to DD, but the idea is still good. This program does five different types of calculations - CONTINUOUS INTEREST COMPOUNDING - FUTURE VALUE (UNEVEN CASH FLOW) - PRESENT VALUE OF A TAX DEDUCTION - NET PRESENT VALUE OF AN INVESTMENT - CALCULATES RATE OF DEPRECIATION Instructionó arå locateä aô griä A1®  Thå instructionó  wilì telì   yoõ  whicè  griä  tï  jumð  tï  foò  eacè  oæ  thå   abovå calculations®  Yoõ  simplù havå tï enteò thå followinç  SUPERCALà command to jump to the appropriate location. =>(grid coordinate) e.g. I7 Á  poinô tï ponder®  Manù oæ thå smalì MBASIà programó  useä foò  straighô calculationó caî easilù bå converteä intï SUPERCALà programs. Anyonå  makinç  improvementó tï thió  program¬  pleaså  senä á copù oæ thå changeó tï me®  É aí alwayó lookinç foò ne÷ wayó oæ doing things.amå  savingó  sincå  É upgraded to DD, but the idea is still good. This program does five different types of calculations - CONTINUOUS INTEREST COMPOUNDING - FUTURE VALUE (UNEVEN CASH FLOW) - PRESENT VALUE OF A TAX DEDUCTION - NET PRESENT VALUE OF AN INVESTMENT - CALCULATES RATE OF DEPRECIATION InstrucSuperCalc Ver. 1.05 GEM Loan Amortization Chart # 2 @ A A A @ 4 ; D 4®µ;® D""GEM Loan Amortization Chart # 2'"(c) 1982 Scott Rainey Portland Oregon OSBUG, all rights reserved. This template donated to the Public DomainAD0000!" Loan Amount74%" This template may not be resold with out the express written consent of the author.A00.30!" First Year PaymentA015!" Interest Rate (.125=12.5%)AA51.035""--Annual Pmt Increase (1.0XX)"Payments Increase Annually for Life of Loann '#B9 "Pmt # " Pmt: " Int: " BAL: '#B9 `A01 €B3 B2*B4/12 B2-(B10-C10)  A 2  B10 D10*B4/122 (C11-B11)+D10  A03  B11 D11*B4/122 (C12-B12)+D11  A@4  B12 D12*B4/122 (C13-B13)+D12  AP5  B13 D13*B4/122 (C14-B14)+D13 A`6 B14" Pmt:A90+D14*B4/122(C15-B15)+D14 Ap7 B15" Bal:D15*B4/122(C16-B16)+D15 A€8 B16€B11D16*B4/122(C17-B17)+D16 A9 B17€B13D17*B4/122(C18-B18)+D17 B10 B18D18*B4/122(C19-B19)+D18 B11 B19€B15D19*B4/122(C20-B20)+D19 "YR212 B20*B5D20*B4/122(C21-B21)+D20`A 2 B21€B17D21*B4/122(C22-B22)+D21`A03 B22D22*B4/122(C23-B23)+D22`A@4 B23€B19D23*B4/122(C24-B24)+D23`AP5 B24D24*B4/122(C25-B25)+D24`A`6 B25€B21D25*B4/122(C26-B26)+D25`Ap7 B26D26*B4/122(C27-B27)+D26`A€8 B27€B23D27*B4/122(C28-B28)+D27`A9 B28D28*B4/122(C29-B29)+D28`B10 B29€B25D29*B4/122(C30-B30)+D29`B11 B30D30*B4/122(C31-B31)+D30`B12 B31€B27D31*B4/122(C32-B32)+D31 "YR324  B32*B5 D32*B4/122 (C33-B33)+D32!`A 2 !B33€B29!D33*B4/122!(C34-B34)+D33"`A03 "B34"D34*B4/122"(C35-B35)+D34#`A@4 #B35€B31#D35*B4/122#(C36-B36)+D35$`AP5 $B36$D36*B4/122$(C37-B37)+D36%`A`6 %B37€B33%D37*B4/122%(C38-B38)+D37&`Ap7 &B38&D38*B4/122&(C39-B39)+D38'`A€8 'B39€B35'D39*B4/122'(C40-B40)+D39(`A9 (B40(D40*B4/122((C41-B41)+D40)`B10 )B41€B37)D41*B4/122)(C42-B42)+D41*`B11 *B42*D42*B4/122*(C43-B43)+D42+`B12 +B43€B39+D43*B4/122+(C44-B44)+D43, "YR436 ,B44*B5,D44*B4/122,(C45-B45)+D44-`A 2 -B45€B41-D45*B4/122-(C46-B46)+D45.`A03 .B46.D46*B4/122.(C47-B47)+D46/`A@4 /B47€B43/D47*B4/122/(C48-B48)+D470`AP5 0B480D48*B4/1220(C49-B49)+D481`A`6 1B49€B451D49*B4/1221(C50-B50)+D492`Ap7 2B502D50*B4/1222(C51-B51)+D503`A€8 3B51€B473D51*B4/1223(C52-B52)+D514`A9 4B524D52*B4/1224(C53-B53)+D525`B10 5B53€B495D53*B4/1225(C54-B54)+D536`B11 6B546D54*B4/1226(C55-B55)+D547`B12 7B55€B517D55*B4/1227(C56-B56)+D558 "YR548 8B56*B58D56*B4/1228(C57-B57)+D569`A 2 9B57RB549D57*B4/1229(C58-B58)+D57:`A03 :B58:D58*B4/122:(C59-B59)+D58;`A@4 ;B59€B56;D59*B4/122;(C60-B60)+D59<`AP5 <B60<D60*B4/122<(C61-B61)+D60=`A`6 =B61€B58=D61*B4/122=(C62-B62)+D61>`Ap7 >B62>D62*B4/122>(C63-B63)+D62?`A€8 ?B63€B60?D63*B4/122?(C64-B64)+D63@`A9 @B64@D64*B4/122@(C65-B65)+D64A`B10 AB65€B62AD65*B4/122A(C66-B66)+D65B`B11 BB66BD66*B4/122B(C67-B67)+D66C`B12 CB67€B64CD67*B4/122C(C68-B68)+D67D "YR660 DB68*B5DD68*B4/122D(C69-B69)+D68E`A 2 EB69€B66ED69*B4/122E(C70-B70)+D69F`A03 FB70FD70*B4/122F(C71-B71)+D70G`A@4 GB71€B68GD71*B4/122G(C72-B72)+D71H`AP5 HB72HD72*B4/122H(C73-B73)+D72I`A`6 IB73€B70ID73*B4/122I(C74-B74)+D73J`Ap7 JB74JD74*B4/122J(C75-B75)+D74K`A€8 KB75€B72KD75*B4/122K(C76-B76)+D75L`A9 LB76LD76*B4/122L(C77-B77)+D76M`B10 MB77€B74MD77*B4/122M(C78-B78)+D77N`B11 NB78ND78*B4/122N(C79-B79)+D78O`B12 OB79€B76OD79*B4/122O(C80-B80)+D79P "YR772 PB80*B5PD80*B4/122P(C81-B81)+D80Q`A 2 QB81€B78QD81*B4/122Q(C82-B82)+D81R`A03 RB82RD82*B4/122R(C83-B83)+D82S`A@4 SB83€B80SD83*B4/122S(C84-B84)+D83T`AP5 TB84TD84*B4/122T(C85-B85)+D84U`A`6 UB85€B82UD85*B4/122U(C86-B86)+D85V`Ap7 VB86VD86*B4/122V(C87-B87)+D86W`A€8 WB87€B84WD87*B4/122W(C88-B88)+D87X`A9 XB88XD88*B4/122X(C89-B89)+D88Y`B10 YB89€B86YD89*B4/122Y(C90-B90)+D89Z`B11 ZB90ZD90*B4/122Z(C91-B91)+D90[`B12 [B91€B88[D91*B4/122[(C92-B92)+D91\ "YR884 \B92*B5\D92*B4/122\(C93-B93)+D92]`A 2 ]B93€B90]D93*B4/122](C94-B94)+D93^`A03 ^B94^D94*B4/122^(C95-B95)+D94_`A@4 _B95€B92_D95*B4/122_(C96-B96)+D95``AP5 `B96`D96*B4/122`(C97-B97)+D96a`A`6 aB97€B94aD97*B4/122a(C98-B98)+D97b`Ap7 bB98bD98*B4/122b(C99-B99)+D98c`A€8 cB99€B96cD99*B4/122c(C100-B100)+D99d`A9 dB100dD100*B4/12d(C101-B101)+D100e`A1 eB101B98eD101*B4/12e(C102-B102)+D101f`B11 fB102fD102*B4/12f(C103-B103)+D102g`B12 gB103gD103*B4/12g(C104-B104)+D103h "YR996 hB104*B5hD104*B4/12h(C105-B105)+D104i`A 2 iB105iD105*B4/12i(C106-B106)+D105j`A03 jB106jD106*B4/12j(C107-B107)+D106k`A@4 kB107kD107*B4/12k(C108-B108)+D107laAP50lB108lD108*B4/12l(C109-B109)+D108maA`61€C101mB109mD109*B4/12m(C110-B110)+D109naAp72nB110nD110*B4/12n(C111-B111)+D110oaA€83€C0103oB111oD111*B4/12o(C112-B112)+D111paA94pB112pD112*B4/12p(C113-B113)+D112qaB10€CP105qB113qD113*B4/12q(C114-B114)+D113raB11rB114rD114*B4/12r(C115-B115)+D114saB12€Cp107sB115sD115*B4/12s(C116-B116)+D115t!"YR10108tB116*B5tD116*B4/12t(C117-B117)+D116uaA 29€C109uB117uD117*B4/12u(C118-B118)+D117vaA030vB118vD118*B4/12v(C119-B119)+D118waA@41€C111wB119wD119*B4/12w(C120-B120)+D119xaAP52xB120xD120*B4/12x(C121-B121)+D120yaA`63€C0113yB121yD121*B4/12y(C122-B122)+D121zaAp74zB122zD122*B4/12z(C123-B123)+D122{aA€85€CP115{B123{D123*B4/12{(C124-B124)+D123|aA96|B124|D124*B4/12|(C125-B125)+D124}aB10€Cp117}B125}D125*B4/12}(C126-B126)+D125~aB11~B126~D126*B4/12~(C127-B127)+D126aB12€C119B127D127*B4/12(C128-B128)+D127€!"YR1120€B128*B5€D128*B4/12€(C129-B129)+D128aA 21€C121B129D129*B4/12(C130-B130)+D129‚aA032‚B130‚D130*B4/12‚(C131-B131)+D130ƒaA@43€C0123ƒB131ƒD131*B4/12ƒ(C132-B132)+D131„aAP54„B132„D132*B4/12„(C133-B133)+D132…aA`65€CP125…B133…D133*B4/12…(C134-B134)+D133†aAp76†B134†D134*B4/12†(C135-B135)+D134‡aA€87€Cp127‡B135‡D135*B4/12‡(C136-B136)+D135ˆaA98ˆB136ˆD136*B4/12ˆ(C137-B137)+D136‰aB10€C129‰B137‰D137*B4/12‰(C138-B138)+D137ŠaB11ŠB138ŠD138*B4/12Š(C139-B139)+D138‹aB12€C131‹B139‹D139*B4/12‹(C140-B140)+D139Œ!"YR12132ŒB140*B5ŒD140*B4/12Œ(C141-B141)+D140aA 23€C0133B141D141*B4/12(C142-B142)+D141ŽaA034ŽB142ŽD142*B4/12Ž(C143-B143)+D142aA@45€CP135B143D143*B4/12(C144-B144)+D143aAP56B144D144*B4/12(C145-B145)+D144‘aA`67€Cp137‘B145‘D145*B4/12‘(C146-B146)+D145’aAp78’B146’D146*B4/12’(C147-B147)+D146“aA€8€C139“B147“D147*B4/12“(C148-B148)+D147”aA911”B148”D148*B4/12”(C149-B149)+D148•aB10€C141•B149•D149*B4/12•(C150-B150)+D149–aB11–B150–D150*B4/12–(C151-B151)+D150—aB12€C0143—B151—D151*B4/12—(C152-B152)+D151˜!"YR13144˜B152*B5˜D152*B4/12˜(C153-B153)+D152™aA 25€CP145™B153™D153*B4/12™(C154-B154)+D153šaA036šB154šD154*B4/12š(C155-B155)+D154›aA@47€Cp147›B155›D155*B4/12›(C156-B156)+D155œaAP58œB156œD156*B4/12œ(C157-B157)+D156aA`69€C149B157D157*B4/12(C158-B158)+D157žaAp70žB158žD158*B4/12ž(C159-B159)+D158ŸaA€81€C151ŸB159ŸD159*B4/12Ÿ(C160-B160)+D159 aA92 B160 D160*B4/12 (C161-B161)+D160¡aB10€C0153¡B161¡D161*B4/12¡(C162-B162)+D161¢aB11¢B162¢D162*B4/12¢(C163-B163)+D162£aB12€CP155£B163£D163*B4/12£(C164-B164)+D163¤!"YR14156¤B164*B5¤D164*B4/12¤(C165-B165)+D164¥aA 27€Cp157¥B165¥D165*B4/12¥(C166-B166)+D165¦aA038¦B166¦D166*B4/12¦(C167-B167)+D166§aA@49€C159§B167§D167*B4/12§(C168-B168)+D167¨aAP50¨B168¨D168*B4/12¨(C169-B169)+D168©aA`61€C161©B169©D169*B4/12©(C170-B170)+D169ªaAp72ªB170ªD170*B4/12ª(C171-B171)+D170«aA€83€C0163«B171«D171*B4/12«(C172-B172)+D171¬aA94¬B172¬D172*B4/12¬(C173-B173)+D172­aB10€CP165­B173­D173*B4/12­(C174-B174)+D173®aB11®B174®D174*B4/12®(C175-B175)+D174¯aB12€Cp167¯B175¯D175*B4/12¯(C176-B176)+D175°!"YR15168°B176*B5°D176*B4/12°(C177-B177)+D176±aA 2mts:ase (1.0XX)±B177±D177*B4/12±(C178-B178)+D177²`A03²B178²D178*B4/12²(C179-B179)+D178³`A@45³B179³D179*B4/12³(C180-B180)+D179´`AP5´B180´D180*B4/12´(C181-B181)+D180µ`A`6µB181µD181*B4/12µ(C182-B182)+D181¶`Ap7¶B182¶D182*B4/12¶(C183-B183)+D182·`A€8·B183·D183*B4/12·(C184-B184)+D183¸`A9¸B184¸D184*B4/12¸(C185-B185)+D184¹`B10¹B185¹D185*B4/12¹(C186-B186)+D185º`B11ºB186ºD186*B4/12º(C187-B187)+D186»`B12»B187»D187*B4/12»(C188-B188)+D187¼ "YR161¼B188*B5¼D188*B4/12¼(C189-B189)+D188½`A 2½B189½D189*B4/12½(C190-B190)+D189¾`A03¾B190¾D190*B4/12¾(C191-B191)+D190¿`A@4¿B191¿D191*B4/12¿(C192-B192)+D191À`AP5ÀB192ÀD192*B4/12À(C193-B193)+D192Á`A`6ÁB193ÁD193*B4/12Á(C194-B194)+D193Â`Ap7ÂB194ÂD194*B4/12Â(C195-B195)+D194Ã`A€8ÃB195ÃD195*B4/12Ã(C196-B196)+D195Ä`A90ÄB196ÄD196*B4/12Ä(C197-B197)+D196Å`B10ÅB197ÅD197*B4/12Å(C198-B198)+D197Æ`B11ÆB198ÆD198*B4/12Æ(C199-B199)+D198Ç`B12ÇB199ÇD199*B4/12Ç(C200-B200)+D199SuperCalc Ver. 1.05 GEM Loan Amortization chart, 10 Year Advancing Payments @ A A A @ 4 ; D 4®¶;® D#"GEM Loan Amortization chart, 10 Year Advancing PaymentsAD00000!" Loan Amount74'"(c) 1982 Scott Rainey Portland Oregon OSBUG, all rights reserved. This template donated to the Public DomainA0530!" First Year Payment%" This template may not be resold with out the express written consent of the author.A005!" Interest Rate (.125=12.5%) "10 YrarsAA51.035""--Annual Pmt Increase (1.0XX) '=yment incre "Pmt# " Pmt Amt: " Int: " Balance: '=every year @A01€B3B2*B4/12B2-(B9-C9)) €A 2  B9 D9*B4/122 (C10-B10)+D9 €A03  B10tization chart D10*B4/122 (C11-B11)+D10 €A@4  B11 D11*B4/122 (C12-B12)+D11 €AP5  B12 D12*B4/122 (C13-B13)+D12 €A`6  B13" Pmt:A90+ D13*B4/122 (C14-B14)+D13€Ap7 B14" Bal:D14*B4/122(C15-B15)+D14€A€8 B15€B11D15*B4/122(C16-B16)+D15€A9 B16€B13D16*B4/122(C17-B17)+D16€B10 B17D17*B4/122(C18-B18)+D17€B11 B18€B15D18*B4/122(C19-B19)+D18"YR212 B19*B5D19*B4/122(C20-B20)+D19@A 2 B20€B17D20*B4/122(C21-B21)+D20@A03 B21D21*B4/122(C22-B22)+D21@A@4 B22€B19D22*B4/122(C23-B23)+D22@AP5 B23D23*B4/122(C24-B24)+D23@A`6 B24€B21D24*B4/122(C25-B25)+D24@Ap7 B25D25*B4/122(C26-B26)+D25@A€8 B26€B23D26*B4/122(C27-B27)+D26@A9 B27D27*B4/122(C28-B28)+D27@B10 B28€B25D28*B4/122(C29-B29)+D28@B11 B29D29*B4/122(C30-B30)+D29@B12 B30€B27D30*B4/122(C31-B31)+D30"YR324 B31*B5D31*B4/122(C32-B32)+D31 @A 2  B32€B29 D32*B4/122 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1ƒCHL49+J50-K50AX(I2:I42„IF(D51=0,0,MAX(B2:B50)+1)(H2„D8’RF50+IF(A51=0,0,C51-D51))(H3„IF(D52=0,0,MAX(B2:B51)+1)(H3„D8’RF51+IF(A52=0,0,C52-D52))(H4„IF(D53=0,0,MAX(B2:B52)+1)(H4„D8’RF52+IF(A53=0,0,C53-D53))(H5„IF(D54=0,0,MAX(B2:B53)+1)(H5„D8’RF53+IF(A54=0,0,C54-D54))(H6„IF(D55=0,0,MAX(B2:B54)+1)(H6„D8’RF54+IF(A55=0,0,C55-D55))(H7„IF(D56=0,0,MAX(B2:B55)+1)(H7„D8’RF55+IF(A56=0,0,C56-D56))(H8„IF(D57=0,0,MAX(B2:B56)+1)(H8„D8’RF56+IF(A57=0,0,C57-D57))(H9„IF(D58=0,0,MAX(B2:B57)+1)(H9„D8’RF57+IF(A58=0,0,C58-D58))(H:„IF(D59=0,0,MAX(B2:B58)+1)(H:„D8’RF58+IF(A59=0,0,C59-D59))(H;„IF(D60=0,0,MAX(B2:B59)+1)(H;„D8’RF59+IF(A60=0,0,C60-D60))(H<„IF(D61=0,0,MAX(B2:B60)+1)(H<„D8’RF60+IF(A61=0,0,C61-D61))(H=„IF(D62=0,0,MAX(B2:B61)+1)(H=„D8’RF61+IF(A62=0,0,C62-D62))(H>„IF(D63=0,0,MAX(B2:B62)+1)(H>„D8’RF62+IF(A63=0,0,C63-D63))(H?„IF(D64=0,0,MAX(B2:B63)+1)(H?„D8’RF63+IF(A64=0,0,C64-D64))(H@„IF(D65=0,0,MAX(B2:B64)+1)(H@„D8’RF64+IF(A65=0,0,C65-D65))(HA„IF(D66=0,0,MAX(B2:B65)+1)(HA„D8’RF65+IF(A66=0,0,C66-D66))(HB„IF(D67=0,0,MAX(B2:B66)+1)(HB„D8’RF66+IF(A67=0,0,C67-D67))(HC„IF(D68=0,0,MAX(B2:B67)+1)(HC„D8’RF67+IF(A68=0,0,C68-D68))(HD„IF(D69=0,0,MAX(B2:B68)+1)(HD„D8’RF68+IF(A69=0,0,C69-D69))(HE„IF(D70=0,0,MAX(B2:B69)+1)(HE„D8’RF69+IF(A70=0,0,C70-D70))(HF„IF(D71=0,0,MAX(B2:B70)+1)(HF„D8’RF70+IF(A71=0,0,C71-D71))(HG„IF(D72=0,0,MAX(B2:B71)+1)(HG„D8’RF71+IF(A72=0,0,C72-D72))(HH„IF(D73=0,0,MAX(B2:B72)+1)(HH„D8’RF72+IF(A73=0,0,C73-D73))(HI„IF(D74=0,0,MAX(B2:B73)+1)(HI„D8’RF73+IF(A74=0,0,C74-D74))(HJ„IF(D75=0,0,MAX(B2:B74)+1)(HJ„D8’RF74+IF(A75=0,0,C75-D75))(HK„IF(D76=0,0,MAX(B2:B75)+1)(HK„D8’RF75+IF(A76=0,0,C76-D76))(HL„IF(D77=0,0,MAX(B2:B76)+1)(HL„D8’RF76+IF(A77=0,0,C77-D77))(HM„IF(D78=0,0,MAX(B2:B77)+1)(HM„D8’RF77+IF(A78=0,0,C78-D78))(HN„IF(D79=0,0,MAX(B2:B78)+1)(HN„D8’RF78+IF(A79=0,0,C79-D79))(HO„IF(D80=0,0,MAX(B2:B79)+1)(HO„D8’RF79+IF(A80=0,0,C80-D80))(HP„IF(D81=0,0,MAX(B2:B80)+1)(HP„D8’RF80+IF(A81=0,0,C81-D81))(HQ„IF(D82=0,0,MAX(B2:B81)+1)(HQ„D8’RF81+IF(A82=0,0,C82-D82))(HR„IF(D83=0,0,MAX(B2:B82)+1)(HR„D8’RF82+IF(A83=0,0,C83-D83))(HS„IF(D84=0,0,MAX(B2:B83)+1)(HS„D8’RF83+IF(A84=0,0,C84-D84))(HT„IF(D85=0,0,MAX(B2:B84)+1)(HT„D8’RF84+IF(A85=0,0,C85-D85))(HU„IF(D86=0,0,MAX(B2:B85)+1)(HU„D8’RF85+IF(A86=0,0,C86-D86))(HV„IF(D87=0,0,MAX(B2:B86)+1)(HV„D8’RF86+IF(A87=0,0,C87-D87))(HW„IF(D88=0,0,MAX(B2:B87)+1)(HW„D8’RF87+IF(A88=0,0,C88-D88))(HX„IF(D89=0,0,MAX(B2:B88)+1)(HX„D8’RF88+IF(A89=0,0,C89-D89))(HY„IF(D90=0,0,MAX(B2:B89)+1)(HY„D8’RF89+IF(A90=0,0,C90-D90))(HZ„IF(D91=0,0,MAX(B2:B90)+1)(HZ„D8’RF90+IF(A91=0,0,C91-D91))(H[„IF(D92=0,0,MAX(B2:B91)+1)(H[„D8’RF91+IF(A92=0,0,C92-D92))(H\„IF(D93=0,0,MAX(B2:B92)+1)(H\„D8’RF92+IF(A93=0,0,C93-D93))(H]„IF(D94=0,0,MAX(B2:B93)+1)(H]„D8’RF93+IF(A94=0,0,C94-D94))(H^„IF(D95=0,0,MAX(B2:B94)+1)(H^„D8’RF94+IF(A95=0,0,C95-D95))(H_„IF(D96=0,0,MAX(B2:B95)+1)(H_„D8’RF95+IF(A96=0,0,C96-D96))(H`„IF(D97=0,0,MAX(B2:B96)+1)(H`„D8’RF96+IF(A97=0,0,C97-D97))(Ha„IF(D98=0,0,MAX(B2:B97)+1)(Ha„D8’RF97+IF(A98=0,0,C98-D98))(Hb„IF(D99=0,0,MAX(B2:B98)+1)(Hb„D8’RF98+IF(A99=0,0,C99-D99))(Hc„IF(D100=0,0,MAX(B2:B99)+1)Hc„D8’RF99+IF(A100=0,0,C100-D100)H-D88))(HX„IF(D89=0,0,MAX(B2:B88)+1)(HX„D8’RF88+IF(A89=0,0,C89-D89))(HY„IF(D90=0,0,MAX(B2:B89)+1)(HY„D8’RF89+IF(A90=0,0,C90-D90))(HZ„IF(D91=0,0,MAX(B2:B90)+1)(HZ„D8’RF90+IF(A91=0,0,C91-D91))(H[„IF(D92=0,0,MAX(B2:B91)+1)(H[„D8’RF91+IF(A92=0,0,C92-D92))(H\„IF(D93=0,0,MAX(B2:B92)+1SuperCalc Ver. 1.05 L·P7 "NETBLANK" <--- FilenameO61)CALCULAT" ( Print Range A3:O61 )" PERSONAL NET WORTH CALCULATION: " DATE:" .-'-"-." |" ASSETS" | " LIABILITIESavings A" |" |SSETS'_SH ASSETS" | '_" |" |"CASH ASSETS" | Cash on h "CASH LIABILITIES|" |" |"Savings Accounts:" | "Notes Payable:" |" |" |"Bank Name" |" Acct No." |" $ Value" | "Creditor " |WORTH "Loan No. " | "$ Value" | " | " | " | " | " | " | " | " | " | " | " | " | " | " | " | " | " | " | " | " | " | " | " | " | " | " | " | " | " | " Cash on hand " | " | " | " | " |" |" |'-" |'-" | '- " | '- " | '-" |" |" Total Cash" |SUM(H10:H14)" | " Total Notes Payable " | SUM(N10:N14)" |" |" |" |" |"Stocks & Bonds: |" | "Income Tax Owing:" |" |" |"No.ue"| Total Cas"$peresidence" |" | " Govt. " | " Year " |" |" |" NameStocks" |"Shs Sh"|" Sh" |"$ Value Bond" | " | " |B28*" |" |" |"|al Estate" |F21*D21|" | " | " |" |" |" |"| Mortgage " |F22*D22" | " | " |B28*" |" |" |"|acts" |F23*D23" | " | " |" |" |" |"|tal Cash" |F24*D24" | " | " |B28*" |of Shs" |" |"| Vehicle #" |F25*D25" | " | " |" |" |" |"| Car #1" |F26*D26" | " | " |B28*" |" |'-" | '-" |" |--" Total Stocks & Bondsds" | Vehicle #SUM(H21:H26))" | " Total Taxes Owing " | SUM(N20:N26)" |" |" |Cash Value" |" |" Total Liquid Assetsar #3" |H16+H28r Vehicles" | " Total Liquid Liabes Oth " |h N16+N28" |" |" | " ******************************"**" |" | " * LIQUID NET WORTH " | H30-N30" * " | " | " ******************************------ "**T WORTH!" |!"Real Estatet!" |!" | !"Real Estate !" |!" |"" |"" Residence"" |" st Natl"" | "" Home Mortgage "" |"" |#" |#" Furnishings |#" |# -10001-10#" | #" |#" |$" |$" |$" | $" |$" |%" |%" |%" | %" |%" |&" |&'- Total Aut&" |s &'-&" |'" |'" Total Real Estate'" |er Assets'SUM(H35:H38)ortgage'" | Retiremen '" Total Mortgages '" | 'SUM(N35:N38)'" |(" |(" |(" |)" |)"Automobiles & Other Vehicles)" | )" Vehicle Loans" | )" |)" |*" |*" |*" | *" |*" |+" |+" |+" | +" |+" |," |," |," | ," |," |-" |-" |-" | -" |-" |." |." |." | ." |." |/" |/'-& Bonds/" | /'-/" |0" |0"Total Autos/Vehiclessiclesles0" |0SUM(H43:H47)0" | 0"Total Vehicle Loans 0" | 0SUM(N43:N47)0" |1" |1" | 1" |1" |2" |2"Other Assets2" |2" | 2"TOTAL LIABILITIES 2" | 2N30+N40+N492" |3" |3" Retirement Funds3" |3" | 3" |3" |4" |4" |4" | 4" |4" |5" |5" |5" | 5" |5" |6" |6" Life Ins Cash Valueelue6" |6" | 6" |6" |7" |7" |7" | 7" ***************************** -------7"**8" |8" |8" | 8" * TOTAL NET WORTH 8" | 8H60-N51|8" *9" |9" Total Other Assets9" | Life Insu9SUM(H52:H57)9" | 9" *****************************9"**:" |-:'-:" |;" |;" TOTAL ASSETS|;" |;H30+H40+H49+H58;" | ;"TOTAL LIAB+NET WORTHH ;" | ;N51+N57|;" |<" |=<'=<"=|B" PERSONAL NET WORTH CALCULATION: B" DATE: BN383C" .-C'-C"-.D" |D" ASSETSD" | D" LIABILITIESD" |E" |E'_E" | E'_E" |SuperCalc Ver. 1.05 L·P7 "NETWORTH" <--- FilenameO61)CALCULAT" ( Print Range A3:O54 )" PERSONAL NET WORTH CALCULATION: " DATE: AB‚12.823" .-'-"-." |" ASSETS" | " LIABILITIESavings A" |" |SSETS'_SH ASSETS" | '_" |" |"CASH ASSETS" | Cash on h "CASH LIABILITIES|" |" |"Savings Accounts:" | "Notes Payable:" |" |" |"Bank Name" |" Acct No." |" $ Value" | "Creditor " |WORTH "Loan No. " | "$ Value" | " | "1st Natl " | "1-10001-1000 " | AD#E‰2345.89 " | "Credit Un " | "666-34666-34 " | AD%2500 " | " | "1st Federal " | "9870-6 " | @CR0523 " | "Eq Life " | "A889-B " | AD331333.33 " | " | "Credit Union " | "18779 " | ADP5000 " | " | " | " | " | " | " | " | " | " | " | " | " Cash on hand " | AC”"0942.23 " | " | " | " |" |" |'-" |'-" | '- " | '- " | '-" |" |" Total Cash" |DˆSUM(H10:H14)" | " Total Notes Payable " | D833SUM(N10:N14)" |" |" |" |" |"Stocks & Bonds: |" | "Income Tax Owing:" |" |" |"No.ue"| Total Cas"$peresidence" |" | " Govt. " | " Year " |" |" |" NameStocks" |"Shs Sh"|" Sh" |"$ Value Bond" | " | " |B28*" |" |"AT&T" |@C100"|al EstateABC‡P43.875" |DC‡PF21*D21|" | "US Fed " | AD‚1982 " | ACƒ$832.49" |" |"Jones&Son" |@CP500"| Mortgage AARP5.25" |D&%F22*D22" | "State " | AD‚1982 " |B28* @C5350" |" |" |"|acts" |F23*D23" | " | " |" |" |'-" | '-" |" |--" Total Stocks & Bondsds" | Vehicle #DpPSUM(H21:H23))" | " Total Taxes Owing " | D‚ISUM(N20:N23))" |" |" |Cash Value" |" |" Total Liquid Assetsar #3" |E‚6 H16+H25r Vehicles" | " Total Liquid Liabes Oth " |h DP‚N16+N25" |" |" | " ******************************"**" |" | " * LIQUID NET WORTH " | E€xH27-N27" *" |" | " ******************************------"**T WORTH" |"Real Estatet" |" | "Real Estate " |" |" |" Residence" |AF120000" | " Home Mortgage " | AERVtP52567.45" | " | " Furnishings | " | AEP13500 " | " Cabin Mortgage " | ADrƒG7283.47 " |!" |!" Vacation Cabincts!" |!AD•950097!" | !" |!" |"" |"" Brown Mortgage"" |"AD…#8523.07"" | "" |"" |#" |#'- Total Aut#" |s #'-#" |$" |$" Total Real Estate$" |er Assets$F#SUM(H32:H35)ortgage$" | Retiremen $" Total Mortgages $" | $EY… SUM(N32:N35)$" |%" |%" |%" |&" |&"Automobiles & Other Vehicles&" | &" Vehicle Loans" | &" |&" |'" |'" 81 Buick1'" |'ADe6500'" | '"Credit Union '" #V1234 '" | 'AD0#d3023.64'" |(" |(" 78 Chevy2(" |(AD%2500(" | (" |(" |)" |)" Boat & Trailer)" |)AD2P3250)" | )"Marina Sales )" #AA-993 )" | )AD…#1285.23)" |*" |*'-& Bonds*" | *'-*" |+" |+"Total Autos/Vehiclessiclesles+" |+E%SUM(H40:H42))+" | +"Total Vehicle Loans +" | +DC‡SUM(N40:N42))+" |," |," | ," |," |-" |-"Other Assets-" |-" | -"TOTAL LIABILITIES -" | -EiVN27+N37+N44-" |." |." Retirement Fu nds." |.AD2u3275." | ." |." |/" |/" Life Ins Cash Valueelue/" |/AD1500/" | /" |/" |0" |0" |0" | 0" ***************************** -------0"**1" |1" |1" | 1" * TOTAL NET WORTH 1" | 1FQ–H53-N46|1" *2" |2" Total Other Assets2" | Life Insu2DGuSUM(H47:H50)2" | 2" *****************************2"**3" |-3'-3" |4" |4" TOTAL ASSETS|4" |4FCqiH27+H37+H44+H514" | 4"TOTAL LIAB+NET WORTHH 4" | 4FCqiN46+N50|4" |5" |=5'=5"=|;" PERSONAL NET WORTH CALCULATION: ;" DATE: ;B‚N383<" .-<'-<"-.=" |=" ASSETS=" | =" LIABILITIES=" |>" |>'_>" | >'_>" | 1FQ–H53-N46|1" *2" |2" Total Other Assets2" | Life Insu2DGuSUM(H47:H50)2" | 2" *****************************2"**3" |-3'-3" |4" |4" TOTAL ASSETS|4" |4FCqiH27+H37+H44+H514" | 4"TOTAL LIAB+NET WORTHH 4" | 4FCqiN46+N50| CALCULATIOÎ OÆ PERSONAÌ NETWORTÈ USINÇ SUPERCALC by Bob Thomson Manù  yearó  agï  wheî É  waó  applyinç  foò  á mortgagå  loan¬  thå banë requireä må tï givå theí á statemenô  oæ  mù neô wortè aó aî indicatioî  oæ  mù abilitù tï assumå thå mortgage® Thió was¬ indeed¬ aî interestinç anä revealinç exercise® Iî goinç througè thå procesó yoõ maù learî somethinç abouô youò  fin anciaì  statuó  whicè yoõ didn'ô know®  (É hopå  yoõ don'ô learî somethinç whicè yoõ don'ô wanô thå  banë tï know.© Recently¬ É raî acrosó thå bank'ó forí anä thoughô  thaô  iô  mighô bå oæ interesô  tï  others® Consequently¬  É  havå adapteä iô tï  thå  Supercalã spreadsheeô formaô anä presenô iô herå foò youò use. What is Net Worth? Youò  networtè ió simplù thå differencå betweeî youò financiaì assetó anä liabilities®  Youò  assetó consisô  oæ  thingó  whicè  yoõ  owî  sucè  aó  casè savings¬  stockó anä bondó anä propertù sucè aó youò  home¬  automobiles¬  etc® Youò liabilitieó arå whaô yoõ  owå tï otheò people®  Thå mosô obviouó arå youò homå mortgagå anä banë loans. Thå  supercalã prograí NETWORTH.CAL¬  whicè  ió thå companioî tï thió document¬ haó beeî setuð usinç thå  formaô  oæ á Balancå Sheeô witè Assetó  oî  onå sidå  anä  Liabilitieó oî thå other®  Thå  sheeô  ió arrangeä sï thaô eacè asseô ió matcheä witè á  corr espondinç  oò similaò liabilitù oppositå iô  oî  thå samå line. .pa Š Assets Casè anä securitieó arå considereä tï bå liquiä assets¬  sincå theù caî bå converteä tï casè  immed iately®  Iî thå samå way¬ unsecureä loans¬ whicè uså nï  propertù  aó collateral¬  arå considereä  tï  bå liquiä liabilitieó (callablå oî demand)®  Thå arith metiã differencå betweeî theså ió calleä youò Liquiä Neô Worth® Iô ió tï bå hopeä thaô thió ió á positivå number! Propertù sucè aó youò home¬ car¬ boat¬ loanó oò mortgageó whicè yoõ holä oî someonå else'ó property¬ arå  alsï  assetó  buô  arå  noô  considereä  tï  bå "liquid¢  sincå iô normallù takeó somå timå tï  selì theí anä cleaò theiò titlå oæ ownership®  Similarly¬ thå mortgagå againsô youò home¬ oò loanó oî propertù arå considereä tï bå nonliquiä liabilities. Iî  thå example¬  NETWORTH.CAL,therå arå  threå savingó  accounts¬  which¬  witè  thå casè  oî  hanä totaló  ¤  8811.12®   Thå  stockó  anä  bondó  totaì ¤ 7012.50®  Noticå thaô thå valuå oæ theså assetó ió calculateä  froí  thå numbeò oæ shareó  owneä  mult iplieä  bù á pricå peò share®  Becauså  thå  columnó containinç  thå numbeò oæ shareó anä theiò valuå arå narroweò thaî thå standarä ¹ characters¬  thå valueó showî arå sometimeó rounded® Foò example¬ 10° shareó oæ  AT&Ô  aô 4³ 7/¸ peò sharå waó entereä aó  43.87µ buô  rounä ofæ tï 4´ oî thå Supercalã  display®  Thå ¤  Value¬  however¬  showó  thå  correcô  amounô  aó $ 4387.50. .pa Š Remembeò thaô theså arå exampleó anä thaô therå maù  bå  otheò formó oæ liquiä assetó! whicè yoõ  owî (hold©  - likå á demanä loaî whicè yoõ madå tï  youò brother-in-la÷  anä foò whicè yoõ holä  á  promisorù note®  Dependinç  oî youò owî personaì holdingó (anä thå  trustworthinesó anä liquiditù oæ youò  brother- in-law©  yoõ neeä tï makå adjustmentó iî thå  state menô tï fiô youò owî situation. Iî thå example¬ addinç thå totaì casè ¦ savingó amounô  anä  thå  totaì  stockó  anä  bondó   amounô togetheò  resultó  iî thå valuå oæ thå totaì  liquiä assets. Liabilities Lookinç  aô thå liabilitieó sidå oæ thå  sheet¬ wå seå twï loanó whicè arå oweä totallinç ¤ 3833.33® Theså  are¬  foò example¬  á signaturå loaî froí thå Crediô Unioî anä á loaî againsô thå casè valuå oæ  á lifå   insurancå  policù  - botè  considereä  tï  bå "liquid¢ liabilities. Belo÷ thå loanó (Noteó Payable© ió aî entrù foò anù  taxeó oweä aô thå timå aô whicè thå  Neô  Wortè statemenô  ió  madå up®  Aó showî taxeó arå oweä  tï botè  thå  federaì anä statå  governmentó  totallinç ¤ 1182.49®  Again¬ notå thaô theså arå examples¬ anä yoõ maù havå otheò obligationó whicè yoõ woulä enteò here® Thå totaì liquiä liabilitieó arå ¤ 5015.82. Liquiä  Neô Wortè ió simplù thå differencå bet weeî  Totaì Liquiä Assetó anä Totaì  Liquiä  Liabil ities. .pa Š Other Assets and Liabilities Thå  remaindeò oæ thå sheeô containó thå state menô oæ valuå oæ youò otheò assetó anä  obligations® Iî  Reaì Estatå yoõ lisô thå currenô markeô valuå oæ youò homå ¦ furnishings¬  vacatioî cabiî anä á mort gagå  whicè  yoõ  holä oî Mò  ¦  Mró  Brown'ó  home® Balancinç  thió  yoõ  sho÷ thå  currenô  outstandinç amounô  oî  thå mortgageó oî youò  homå  anä  cabin® Noticå thaô thå valueó foò youò residence¬  furnish ingó  anä cabiî arå tï thå nearesô ¤ 50° oò ¤  1000¬ whilå  thå valueó oæ thå mortgageó arå giveî tï  thå penny®  Thió  ió becauså thå valuå oæ youò residencå ió itó estimateä markeô valuå whilå thå mortgagå haó aî exacô valuå aô eacè monthlù paymenô datå whicè ió stateä iî thå amortizatioî table®  Obviouslù yoõ caî rounä  ofæ thå mortgagå anä loaî valueó aó  welì  iæ yoõ wish. Thå otheò entrieó oî thå sheeô arå deriveä iî á similaò manner® Thå valuatioî oæ thå automobileó anä boaô  maù  bå madå bù readinç thå "wanô ads¢ iî  thå newspaper¬  oò  iæ yoõ havå accesó tï  one¬  froí  á "Bluå Book¢ oî currenô vehiclå prices. Total Net Worth - A Snapshot in Time Thå Totaì Neô Wortè ió determineä bù takinç thå differencå  betweeî thå Totaì Assets¬  whicè ió  thå suí oæ alì assetó (liquiä anä nonliquid)¬  anä Totaì Liabilitieó  whicè  ió  thå suí oæ  alì  liabilitieó (liquiä anä nonliquid). Thå  Neô Wortè statemenô ió á picturå  oæ  youò financiaì situatioî aô á giveî instanô iî time®  Foò thió  reason¬  iî  ordeò  tï givå yoõ  á  reasonablù accuratå  picture¬  yoõ shoulä bå carefuì  tï  enteò informatioî thaô ió correcô oò representativå oæ thå correcô valuå oî thå datå whicè yoõ arå using®  Yoõ shoulä bå able¬  foò example¬ tï obtaiî stocë priceó froí thå newspaper¬ banë balanceó froí youò passbooë oò banë statement¬  propertù valuationó froí currenô reaì estatå valuationó foò similaò properties¬ etc® When to Run Wheî  shoulä yoõ ruî thió program¿  Onå  commoî timå tï ruî á Neô Wortè calculatioî ió aô thå enä oæ eacè year®  Bù doinç thió yoõ caî determinå ho÷ youò neô wortè changeó froí yeaò tï year® Anotheò obviouó timå  tï  ruî  iô ió wheî yoõ neeä  iô  tï  convincå someonå tï lenä yoõ money. É  hopå  thió  prograí ió usefuì tï  yoõ  - anä convincing!! Š One Final Tip Iæ  yoõ  havå morå linå itemó thaî É havå  lefô rooí foò oî onå page¬ yoõ maù havå tï carrù youò neô wortè calculatioî oveò ontï anotheò page®  Iî sucè á caså yoõ woulä probablù wanô tï repeaô thå  headingó bù  copyinç  thå blocë A3:O6 intï thå areá  startinç witè A67®  (Remembeò thaô thå defaulô pagå lengtè ió 6¶ lines)®  Yoõ alsï wilì havå tï bå carefuì ho÷ yoõ suí thå datá ontï thå seconä pagå sï thaô thå totaló arå correct®  Thå tið É wanô tï pasó oî ió thisº  Iæ yoõ  enteò  thå "aó of¢ datå oæ thå  calculatioî  oî pagå  ±  aó á numeriã valuå insteaä oæ aó  texô  yoõ caî copù iô ontï thå nexô pagå usinç thå recalculatå featurå oæ Supercalc®  Thió meanó thaô yoõ neeä onlù enteò  thå datå oî pagå ± anä iô wilì  bå  correcteä automaticallù  oî  succeedinç  pages®  Foò  example¬ supposå  yoõ  enteò thå datå aó 12.8²  foò  Decembeò 198² iî celì N3®  Theî iæ yoõ enteò N³ intï celì N6· thå  valuå  12.82 wilì bå placeä intï celì N6·  upoî anù recalculation. ô wortè calculatioî oveò ontï anotheò page®  Iî sucè á caså yoõ woulä probablù wanô tï repeaô thå  headingó bù  copyinç  thå blocë A3:O6 intï thå areá  startinç witè A67®  (Remembeò thaô thå defaulô pagå lengtè ió 6¶ lines)®  Yoõ alsï wilì havå t"SuperCalc Ver. 1.05 FINANCIAL STATEMENT RATIO ANALYSISL·4: #" FINANCIAL STATEMENT RATIO ANALYSIS!"FIRM :!"DATE : '-!"FROM INCOME STATEMENT!"PROFITABILITYEMENT RATIO ANA!"NET SALES :!"RETURN ON ASSETS :¢ERRORINT((B13-B14)/B21*1000+.5)/100 " %!"BEGINNING INVENTORY :!"RETURN ON EQUITY :L¢ERRORINT((B13-B14)/B23*1000+.5)/100 " % !"ENDING INVENTORY : !"RETURN ON CAPITAL : £ERRORINT((B13-B14)/(B21-B22)*1000+.5)/100 " % !"COST OF GOODS SOLD : !"EARNINGS PER SHARE : "$ ¢ERRORINT((B13-B14)/B24*1000+.5)/1000 !"INTEREST EXPENSE : !"OPERATING RATIO : ¢ERRORINT((B8-B13)/B8*1000+.5)/1000 " TO 1 !"PRE-TAX INCOME : '-T SALES !"INCOME TAXES : !"LIQUIDITY : '- 'S!"FROM BALANCE SHEET!"NET WORKING CAPITAL : "$£INT((SUM(B10,B18,B19,B20)-B22)*1000+.5)/1000!"QUICK RATIO :£ERRORINT(((SUM(B18,B19,B20))/B22)*1000+.5)/1000000000 " TO 1!"CASH :!"CURRENT RATIO :£ERRORINT((SUM(B10,B18,B19,B20)/B22)*1000+.5)/10000000 " TO 1!"ACCOUNTS RECEIVABLE : '-TAL ASSETS!"NOTES & MARKET SEC : "ACTIVITY!"TOTAL ASSETS :!"CURRENT LIABILITIES :!"SALES PER DAY : "$AYS¢INT((B8/365)*1000+.5)/1000!"STOCKHOLDERS EQUITY :!"SALES OUTSTANDING :¢ERRORINT((B19/E22)*1000+.5)/1000RB19/ " DAYS!"COMMON SHARES OUTSTAND:!"INVENTORY TURNOVER :£ERRORINT((B11/AVERAGE(B9,B10))*1000+.5)/1000 " TIMES!"MARKET PRICE PER SHARE: '-!"DIVIDENDS PER SHARE : "INDEBTEDNESS!"CREDITORS INTEREST :¢ERRORINT(((B21-B23)/B21)*1000+.5)/100 " %!"TIMES INTEREST EARNED:£ERRORINT((SUM(B12,B13,B14)/B12)*1000+.5)/100013,B14)/B12!"DEBT TO EQUITY :¢ERRORINT(((B21-B23)/B23)*1000+.5)/1000 " TO 1!"L/T DEBT TO NET WORTH:ORTH£ERRORINT(((B21-B22-B23)/B23)*1000+.5)/1000A1 " TO 1!"L/T DEBT TO CAPITAL :AL£ERRORINT(((B21-B22-B23)/(B21-B22))*1000+.5)/1000)/(B21-B " TO 1 '-! "EQUITY#!"STOCKHOLDERS INTEREST:#¢ERRORINT((B23/B21)*1000+.5)/100# " %$!"PAYOUT RATIO :$£ERRORINT((B26/((B13-B14)/B24))*1000+.5)/1000$ " TO 1%!"EARNINGS YIELD :%£ERRORINT((((B13-B14)/B24)/B25)*1000+.5)/100% " %&!"BOOK VALUE/SHARE :& "$&¢ERRORINT((B23/B24)*1000+.5)/1000'!"P/E RATIO :'£ERRORINT((B25/((B13-B14)/B24))*1000+.5)/1000' " TO 1(!"DIVIDEND YIELD :(¢ERRORINT((B26/B25)*1000+.5)/100( " %00+.5)/1000 " TO 1!"L/T DEBT TO NET WORTH:ORTH£ERRORINT(((B21-B22-B23)/B23)*1000+.5)/1000A1 " TO 1!"L/T DEBT TO CAPITAL :AL£ERRORINT(((B21-B22-B23)/(B21-B22))*1000+.5)/1000)/(B21-B " TO 1 '-! "EQUITY#!"STOCKHOLDERS INTEREST:#¢ERRORINT((B23/B21)*1000+.5)/100# " %$!"PAYOUT RATIO :$£ERRORINT((B26/((B13-B14)/B24))*1000+.5)/1000$ " TO 1%!"EARNINGS YIELD :%£ERRORINT((((B13-B14)/B24)/B25)*1000+.5)/100% " %&!"BOOK VALUE/SHARE :& "$&¢ERRORINT((B23/B24)*1000+.5)/1000'!"P/E RATIO :'£ERRORINT((B25/((B13-B14)/B24))*1000+.5)/1000' " TO 1(!"DIVIDEND YIELD :# CORPORATE FINANCIAL STATEMENT RATIO ANALYSIS DOCUMENTATION Bob Hamilton P.O. Box 6054 % ARAMCO Dhahran, Saudi Arabia 12/31/83 Thió  SUPERCALà prograí waó adapteä froí aî MBASIà program® Iô  caî  bå  useä tï inpuô financiaì datá  froí  á  corporation'ó balancå  sheeô  anä  incomå statement®  Thió datá ió  entereä  iî columî  B®  Thå prograí theî calculateó thå followinç  ratioó  iî column E. PROFITABILITY: RETURN ON ASSETS RETURN ON EQUITY RETURN ON CAPITAL EARNINS PER SHARE OPERATING RATIO LIQUIDITY: NEW WORKING CAPITAL QUICK RATIO CURRENT RATIO ACTIVITY: SALES PER DAY SALES OUTSTANDING INVENTORY TURNOVER INDEBTEDNESS: CREDITORS INTEREST TIMES INTEREST EARNED DEBT TO EQUITY LONG TERM DEBT TO NET WORTH LONG TERM DEBT TO CAPITAL EQUITY STOCKHOLDERS INTEREST PAYOUT RATION EARNINGS YIELD BOOK VALUE/SHARE P/E RATIO DIVIDEND YIELD Anyonå  makinç improvementó tï thió program¬  pleaså senä  á copù  oæ  thå  changeó  tï me®  I'í alwayó lookinç  foò  wayó  oæ improving my programs. O LIQUIDITY: NEW WORKING CAPITAL QUICK RATIO CURRENT RATIO ACTIVITY: SALES PER DAY SALES OUTSTANDING INVENTORY TURNOV This is the release date of the disk. NETBLANKCAL €€$NETWORTHCAL €‰&NETWORTHDOC €“STMTRATOCAL €›€STMTRATODOC € ååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååGEM2 .CAL 5D 10 25600 200 GEMLOAN .CAL 68 0E 25600 200 HISNHERS.CAL 8F B9 16000 125 NETBLANK.CAL 6F F4 9216 72 NETWORTH.CAL D1 BD 9728 76 NETWORTH.DOC 03 B8 7936 62 STMTRATO.CAL C7 39 4224 33 STMTRATO.DOC EF CB 1792 14 åååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååååå Fog Library Disk FOG-CPM.069 Copyright (1986) by Fog International Computer Users Group to the extent not copyrighted by the original author for the exclusive use and enjoyment of its members. Any reproduction or distribution for profit or personal gain is strictly forbidden. For information, contact FOG, P. O. Box 3474, Daly City, CA. 94015-0474. as part of the description of a file indicates that the program is distributed on a "try first, pay if you like it" basis. If you find the program(s) meet your need, please refer to the author's documentation for information on becoming a registered user. Only by registering and paying for the programs you like and use will the authors of such programs continue development. Often, more complete documentation, additional modules, and new releases are available only to registered users. SuperCalc applications. Filename Description -06-00 .86 This is the release date of the disk. -CPM069 .DOC This is the description of the disk contents. AMORT .DOC 1021 7K [Loan Amortization 1 of 4] Three different SuperCalc 1.05 templates for calculating costs of a home loan. AMORT60 .CAL AC9F 26K [Loan Amortization 2 of 4] GEMLOAN .CAL 680E 25K [Loan Amortization 3 of 4] GEM2 .CAL 5D10 25K [Loan Amortization 4 of 4] BALANCE .CAL DC23 2K [Balance 1 of 2] SuperCalc 1.05 template to balance your checkbook statement. BALANCE .DOC 22F9 1K [Balance 2 of 2] CHECK .CAL 0E2C 2K [Check 1 of 2] SuperCalc 1.05 template to manage your checkbook. CHECK .DOC A882 1K [Check 2 of 2] CHECKBAL.CAL 1A20 13K SuperCalc 1.12 template for balancing checkbook. FINANAL .CAL A1B8 5K [Financial Analysis 1 of 2] SuperCalc 1.05 template for compound interest, NPV, depreciation, future value, & present value $of tax deduction. FINANAL .DOC 7667 2K [Financial Analysis 2 of 2] HISNHERS.CAL 8FB9 16K SuperCalc 1.12 template for balancing a joint checking account. NETBLANK.CAL 6FF4 9K [NetWorth 1 of 3] SuperCalc 1.05 template for calculating net worth. Sample and instructions included. NETWORTH.CAL D1BD 10K [NetWorth 2 of 3] NETWORTH.DOC 03B8 8K [NetWorth 3 of 3] STMTRATO.CAL C739 5K [Statement Ratio 1 of 2] SuperCalc 1.05 template for corporate financial analysis. STMTRATO.DOC EFCB 2K [Statement Ratio 2 of 2] int checking account. NETBLANK.CAL 6FF4 9K [NetWorth 1 of 3] SuperCalc 1.05 template for calculating net worth. Sample and instructions included. NETWORTH.CAL D1BD 10K [NetWorth 2 of 3] NETWORTH.DOC 03B8 8K [NetWorth 3 of 3] STMTRATO.CAL C739 5K [Statement Råååå%ååååå&ååååå'ååååå