Simtel MSDOS 1992 September/Simtel20_Sept92.cdr/msdos/spredsht/tc810.arc/EXAMPLE.SSF

Text File | 1986-10-29 | 5KB | 372 lines

HDR
10
10
10
10
10
10
10
RNG
CASHFLOW
C56..C60,TT
COST
C88,TT
DEPR_PRT
A86..F91,TT
INVESTMENT
C56,TT
RETURN
C57..C60,TT
ROR
C65,TT
SALES
D2,TT
TABLE
A77..A83,TT
DAT
1,1,2R
Copyright (c) 1985, 1986: P & M Software Co.
7,1,0A
(DATE(85,12,20))
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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 "Turbo Calc" 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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"Turbo Calc" 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
2,20,0E
(DATE(86,2,15))
3,20,0E
(B20+30.4)
4,20,0E
(C20+30.4)
5,20,0E
(D20+30.4)
6,20,0E
(E20+30.4)
7,20,0E
(F20+30.4)
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----------
2,21,0C
----------
3,21,0C
----------
4,21,0C
----------
5,21,0C
----------
6,21,0C
----------
7,21,0C
----------
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Food
2,22,0D
0
3,22,0D
0
4,22,0D
0
5,22,0D
0
6,22,0D
0
7,22,0D
0
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Clothing
1,24,2R
Newspaper
1,25,2R
Insurance
1,26,2R
Church
1,27,2R
Mortgage
1,28,2R
Magazines
1,29,2R
Medical
1,30,2R
Computer
1,31,2R
Auto
1,32,2R
Gasoline
1,33,2R
Electric
1,34,2R
Water
1,35,2R
Loan Pay
1,36,2R
School
1,37,2R
Entertain
1,38,2R
Misc.
2,39,0C
----------
3,39,0C
----------
4,39,0C
----------
5,39,0C
----------
6,39,0C
----------
7,39,0C
----------
1,40,2R
Expenses
2,40,0D
(B22:B39)
3,40,0D
(C22:C39)
4,40,0D
(D22:D39)
5,40,0D
(E22:E39)
6,40,0D
(F22:F39)
7,40,0D
(G22:G39)
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Savings
2,41,0C
(B43-B40)
3,41,0C
(C43-C40)
4,41,0C
(D43-D40)
5,41,0C
(E43-E40)
6,41,0C
(F43-F40)
7,41,0C
(G43-G40)
2,42,0C
----------
3,42,0C
----------
4,42,0C
----------
5,42,0C
----------
6,42,0C
----------
7,42,0C
----------
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Income
2,43,0D
0
3,43,0D
0
4,43,0D
0
5,43,0D
0
6,43,0D
0
7,43,0D
0
2,44,0C
==========
3,44,0C
==========
4,44,0C
==========
5,44,0C
==========
6,44,0C
==========
7,44,0C
==========
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Sample of the forward reference:
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(G49)
1,49,0C
100
2,49,0C
200
3,49,0C
300
4,49,0C
400
5,49,0C
500
6,49,0C
600
7,49,0C
(A49:F49)
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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
3,56,0D
-1000
4,56,0C
  Shown as negative, because YOU are
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Year 1 Payment
3,57,0C
500
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  making the loan!  The loan payments
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Year 2 Payment
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400
4,58,0C
  are income to you and you are trying
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Year 3 Payment
3,59,0C
200
4,59,0C
  to decide if you want to make the loan
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Year 4 Payment
3,60,0C
100
4,60,0C
  or not.
3,61,0C
----------
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Net Income
3,62,0D
(SUM(@CASHFLOW))
3,63,0C
==========
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Rate of Return
3,65,4P
(IRR(.14,@CASHFLOW))
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Proof is NPV of
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cash flows...
3,68,4D
(ABS(NPV(@ROR,@RETURN)+@INVESTMENT))
4,68,0C
  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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---------------------
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     Term
2,75,2R
     Rate
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     ----
2,76,2R
     ----
1,77,0C
12
2,77,2P
0.085
1,78,0C
18
2,78,2P
0.093
1,79,0C
24
2,79,2P
0.097
1,80,0C
36
2,80,2P
0.102
1,81,0C
48
2,81,2P
0.107
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 Value "LOOKED UP" in Table
1,82,0C
60
2,82,2P
0.111
4,82,2R
-----------------------------
1,83,0C
72
2,83,2P
0.115
4,83,2P
(VLOOKUP(36,@TABLE,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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-------------------------------
4,87,2R
-------------------------------
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Cost
3,88,0D
10000
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Double Declining Bal.
6,88,0D
(DDB(@COST,C89,C90,C91))
1,89,2R
Salvage
3,89,0D
1200
4,89,2R
Straight Line
6,89,0D
(SLN(@COST,C89,C90))
1,90,2R
Life
3,90,0C
8
4,90,2R
Sum Of Years Digits
6,90,0D
(SYD(@COST,C89,C90,C91))
1,91,2R
Current Period
3,91,0C
5
END