{"text_format":"1","workbook":"xlsx","n_sheets":13,"sheets":["EX 1","EX 2","EX 3","EX 4","EX 5","EX 7","EX 8","EX 9","EX 10","EX 11","EX 12","EX 13","EX 15"],"not_rendered":{"charts":2,"images":0,"macros":1,"external_links":0,"defined_names":0,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"EX 1","index":0,"n_rows":17,"n_cols":8,"rows_kept":17,"cut":false,"hidden":false,"merged":[]}
["Discount rate",0.08]
[]
["NPV",{"$f":"NPV(B1,B8:B17)+B7","v":71.008139894144165},{"$f":"getformula(B3)","v":"<--  =NPV(B1,B8:B17)+B7"}]
["IRR",{"$f":"IRR(B7:B17)","v":0.10557981604988731},{"$f":"getformula(B4)","v":"<--  =IRR(B7:B17)"}]
[null,null,null,null,null,null,{"$f":"B3","v":71.008139894144165},{"$f":"getformula(G5)","v":"<--  =B3"}]
["Year","CF",null,null,null,0,400]
[0,-600,null,null,null,{"$f":"F6+2%","v":0.02},298.25850062422364]
[1,100,null,null,null,{"$f":"F7+2%","v":0.04},211.08957793550258]
[2,100,null,null,null,0.06,136.00870514146948]
[3,100,null,null,null,0.08,71.008139894144165]
[4,100,null,null,null,0.1,14.456710570467976]
[5,100,null,null,null,0.12000000000000001,-34.97769715891377]
[6,100,null,null,null,0.14000000000000001,-78.388435370642128]
[7,100,null,null,null,{"$f":"F13+2%","v":0.16},-116.6772521542527]
[8,100,null,null,null,0.18,-150.59137050755862]
[9,100,null,null,null,0.19999999999999998,-180.75279144492282]
[10,100]

{"sheet":"EX 2","index":1,"n_rows":13,"n_cols":7,"rows_kept":13,"cut":false,"hidden":false,"merged":[]}
[]
["Loan",10000]
["Interest",0.15,null,null,{"$f":"getformula(C8)","v":"<--  =B2"}]
["N",5,null,null,null,null,{"$f":"getformula(E8)","v":"<--  =C8*$B$3"}]
["PMT",{"$f":"PMT(B3,B4,-B2)","v":2983.1555246152834},{"$f":"getformula(B5)","v":"<--  =PMT(B3,B4,-B2)"},null,null,{"$f":"getformula(D8)","v":"<--  =$B$5"}]
[]
[null,"Year","Principle at beg of year","PMT","Interest","Principle"]
[null,1,{"$f":"B2","v":10000},{"$f":"$B$5","v":2983.1555246152834},{"$f":"C8*$B$3","v":1500},{"$f":"D8-E8","v":1483.1555246152834},{"$f":"getformula(F8)","v":"<--  =D8-E8"}]
[null,2,{"$f":"C8-F8","v":8516.8444753847161},{"$f":"$B$5","v":2983.1555246152834},{"$f":"C9*$B$3","v":1277.5266713077074},{"$f":"D9-E9","v":1705.628853307576}]
[null,3,{"$f":"C9-F9","v":6811.2156220771403},2983.1555246152834,1021.682343311571,1961.4731813037124]
[null,4,4849.7424407734279,2983.1555246152834,727.46136611601412,2255.6941584992692]
[null,5,2594.0482822741587,2983.1555246152834,389.10724234112382,2594.0482822741596]
[null,6,0]

{"sheet":"EX 3","index":2,"n_rows":21,"n_cols":4,"rows_kept":21,"cut":false,"hidden":false,"merged":[]}
[]
["Discount rate",0.15]
["Initial investment",1000]
["N",11]
["Growth rate in CF",0.1]
["NPV",{"$f":"NPV(B2,C11:C21)+C10","v":0},{"$f":"getformula(B6)","v":"<--  =NPV(B2,C11:C21)+C10"}]
[]
[]
[null,"Year","CF"]
[null,0,{"$f":"-B3","v":-1000}]
[null,1,129.28518980564291]
[null,2,{"$f":"C11*(1+$B$5)","v":142.21370878620721},{"$f":"getformula(C12)","v":"<--  =C11*(1+$B$5)"}]
[null,3,{"$f":"C12*(1+$B$5)","v":156.43507966482795}]
[null,4,172.07858763131077]
[null,5,189.28644639444187]
[null,6,208.21509103388607]
[null,7,229.03660013727469]
[null,8,251.94026015100218]
[null,9,277.13428616610241]
[null,10,304.84771478271267]
[null,11,335.33248626098396]

{"sheet":"EX 4","index":3,"n_rows":29,"n_cols":8,"rows_kept":29,"cut":false,"hidden":false,"merged":[]}
["Discount rate",0.2]
["NPV",{"$f":"NPV(B1,B6:B10)+B5","v":76.51748971193399},{"$f":"getformula(B2)","v":"<--  =NPV(B1,B6:B10)+B5"}]
[null,null,null,null,null,null,{"$f":"B2","v":76.51748971193399},{"$f":"getformula(G3)","v":"<--  =B2"}]
["Year","CF",null,null,null,0,-100]
[0,-500,null,null,null,0.04,-29.977420123729701]
[1,600,null,null,null,0.08,17.329647477679032]
[2,300,null,null,null,0.12,48.083283285982247]
[3,300,null,null,null,0.16,66.732755927032485]
[4,200,null,null,null,0.2,76.51748971193399]
[5,-1000,null,null,null,0.24,79.813386712026499]
[null,null,null,null,null,0.28000000000000003,78.374117612838745]
["IRR1",{"$f":"IRR(B5:B10)","v":6.3387866457038422E-2},{"$f":"getformula(B12)","v":"<--  =IRR(B5:B10)"},null,null,0.32,73.501076123088978]
["IRR2",{"$f":"IRR(B5:B10,100)","v":0.60195607653712213},{"$f":"getformula(B13)","v":"<--  =IRR(B5:B10,100)"},null,null,0.36,66.164299468185845]
[null,null,null,null,null,0.4,57.089308026417598]
[null,null,null,null,null,0.44,46.820010579137829]
[null,null,null,null,null,0.48,35.764637717458186]
[null,null,null,null,null,0.52,24.229531513077632]
[null,null,null,null,null,0.56000000000000005,12.444172543997865]
[null,null,null,null,null,0.6,0.579833984375]
[null,null,null,null,null,0.64,-11.236433516407146]
[null,null,null,null,null,0.68,-22.911261560377682]
[null,null,null,null,null,0.72,-34.376981327528256]
[null,null,null,null,null,0.76,-45.585551364552202]
[null,null,null,null,null,0.8,-56.503920472827645]
[null,null,null,null,null,0.84,-67.110474263102503]
[null,null,null,null,null,0.88,-77.392303988549372]
[null,null,null,null,null,0.92,-87.343102129398517]
[null,null,null,null,null,0.96,-96.961537681483719]
[null,null,null,null,null,1,-106.25]

{"sheet":"EX 5","index":4,"n_rows":12,"n_cols":10,"rows_kept":12,"cut":false,"hidden":false,"merged":[]}
["IRR?",5.0684202593074594E-2]
[null,null,null,null,null,null,null,{"$f":"getformula(F5)","v":"<--  =F4-I4"},null,{"$f":"getformula(H4)","v":"<--  =F4*$B$1"}]
[null,null,null,null,"Year","Principle at beg of year","PMT","Interest","Principle"]
["Year","CF",null,null,1,{"$f":"-B5","v":800},{"$f":"B6","v":300},{"$f":"F4*$B$1","v":40.547362074459677},{"$f":"G4-H4","v":259.45263792554033},{"$f":"getformula(I4)","v":"<--  =G4-H4"}]
[0,-800,null,null,2,{"$f":"F4-I4","v":540.54736207445967},{"$f":"B7","v":200},{"$f":"F5*$B$1","v":27.397212010533959},{"$f":"G5-H5","v":172.60278798946604}]
[1,300,null,null,3,{"$f":"F5-I5","v":367.94457408499363},{"$f":"B8","v":150},18.648977335946363,131.35102266405363]
[2,200,null,null,4,236.59355142094,122,11.991555492433935,110.00844450756607]
[3,150,null,null,5,126.58510691337393,133,6.4158652040634516,126.58413479593655]
[4,122,null,null,6,9.7211743738512268E-4]
[5,133]
[]
["IRR",{"$f":"IRR(B5:B10)","v":5.0683794701226192E-2},{"$f":"getformula(B12)","v":"<--  =IRR(B5:B10)"}]

{"sheet":"EX 7","index":5,"n_rows":5,"n_cols":3,"rows_kept":5,"cut":false,"hidden":false,"merged":[]}
[]
["Loan pronciple",100000]
["N",5]
["Interest",0.13]
["Annual PMT",{"$f":"PMT(B4,B3,-B2)","v":28431.454335515777},{"$f":"getformula(B5)","v":"<--  =PMT(B4,B3,-B2)"}]

{"sheet":"EX 8","index":6,"n_rows":52,"n_cols":11,"rows_kept":52,"cut":false,"hidden":false,"merged":[]}
["Loan Principle",15000]
["Interest:",null,null,null,null,null,null,{"$f":"getformula(G5)","v":"<--  =G4-J4"},null,{"$f":"getformula(I4)","v":"<--  =G4*$B$4"}]
["annual",0.15,null,null,null,"Month","Principle at beg of month","PMT","Interest","Principle"]
["monthly",{"$f":"B3/12","v":1.2499999999999999E-2},{"$f":"getformula(B4)","v":"<--  =B3/12"},null,null,1,{"$f":"B1","v":15000},{"$f":"$B$8","v":417.46122399714375},{"$f":"G4*$B$4","v":187.49999999999997},{"$f":"H4-I4","v":229.96122399714378},{"$f":"getformula(J4)","v":"<--  =H4-I4"}]
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["N",48,"months",null,null,3,{"$f":"G5-J5","v":14537.203036705749},417.46122399714375,181.71503795882185,235.74618603832189]
[null,null,null,null,null,4,14301.456850667426,417.46122399714375,178.76821063334282,238.69301336380093]
["monthly PMT",{"$f":"PMT(B4,B6,-B1)","v":417.46122399714375},{"$f":"getformula(B8)","v":"<--  =PMT(B4,B6,-B1)"},null,null,5,14062.763837303624,417.46122399714375,175.78454796629529,241.67667603084845]
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{"sheet":"EX 9","index":7,"n_rows":14,"n_cols":4,"rows_kept":14,"cut":false,"hidden":false,"merged":[]}
["A:"]
["Cost of the car",30000]
[]
["B:"]
["down payment",5000]
["monthly PMT",1050]
["N",30,"months"]
[]
["Discount rate",1.2500000000000001E-2,"monthly"]
[null,{"$f":"B9*12","v":0.15000000000000002},"annually",{"$f":"getformula(B10)","v":"<--  =B9*12"}]
[]
["NPV option B",{"$f":"PV(B9,B7,-B6)+B5","v":31133.351542323628},{"$f":"getformula(B12)","v":"<--  =PV(B9,B7,-B6)+B5"}]
[]
["EAR",{"$f":"(1+B9)^12-1","v":0.16075451772299854},{"$f":"getformula(B14)","v":"<--  =(1+B9)^12-1"}]

{"sheet":"EX 10","index":8,"n_rows":13,"n_cols":7,"rows_kept":13,"cut":false,"hidden":false,"merged":[]}
[]
["Annual PMT",15000]
["Interest rate ",0.1]
["N",5,"years"]
["FV",{"$f":"FV(B3,B4,-B2)","v":91576.500000000087},{"$f":"getformula(B5)","v":"<--  =FV(B3,B4,-B2)"}]
[null,null,null,null,null,{"$f":"getformula(D9)","v":"<--  =D8+E8+F8"}]
[null,null,"Year","Accumilation at beg of year","PMT","Annual interest"]
[null,null,1,0,{"$f":"$B$2","v":15000},{"$f":"D8*$B$3","v":0},{"$f":"getformula(F8)","v":"<--  =D8*$B$3"}]
[null,null,2,{"$f":"D8+E8+F8","v":15000},{"$f":"$B$2","v":15000},{"$f":"D9*$B$3","v":1500}]
[null,null,3,{"$f":"D9+E9+F9","v":31500},15000,3150]
[null,null,4,49650,15000,4965]
[null,null,5,69615,15000,6961.5]
[null,null,6,91576.5]

{"sheet":"EX 11","index":9,"n_rows":13,"n_cols":7,"rows_kept":13,"cut":false,"hidden":false,"merged":[]}
[]
["Annual PMT",15000]
["Interest rate ",0.1]
["N",5,"years"]
["FV",{"$f":"FV(B3,B4,-B2,,1)","v":100734.15000000011},{"$f":"getformula(B5)","v":"<--  =FV(B3,B4,-B2,,1)"}]
[null,null,null,null,null,{"$f":"getformula(D9)","v":"<--  =D8+E8+F8"}]
[null,null,"Year","Accumilation at beg of year","PMT at beg of year","Annual interest"]
[null,null,1,0,{"$f":"$B$2","v":15000},{"$f":"(D8+E8)*$B$3","v":1500},{"$f":"getformula(F8)","v":"<--  =(D8+E8)*$B$3"}]
[null,null,2,{"$f":"D8+E8+F8","v":16500},{"$f":"$B$2","v":15000},{"$f":"(D9+E9)*$B$3","v":3150}]
[null,null,3,{"$f":"D9+E9+F9","v":34650},15000,4965]
[null,null,4,54615,15000,6961.5]
[null,null,5,76576.5,15000,9157.65]
[null,null,6,100734.15]

{"sheet":"EX 12","index":10,"n_rows":8,"n_cols":3,"rows_kept":8,"cut":false,"hidden":false,"merged":[]}
["Monthly PMT",250]
["Number of months",120]
[]
["Effective monthly return?",1.5144867195193918E-2]
["Accumilation",{"$f":"FV(B4,B2,-B1,,1)","v":84999.999999810403},{"$f":"getformula(B5)","v":"<--  =FV(B4,B2,-B1,,1)"}]
[]
[]
["Annual return",{"$f":"B4*12","v":0.18173840634232702},{"$f":"getformula(B8)","v":"<--  =B4*12"}]

{"sheet":"EX 13","index":11,"n_rows":55,"n_cols":12,"rows_kept":55,"cut":false,"hidden":false,"merged":[]}
["Interest rate",0.1]
["Number of payments",30]
["number of withdrawals",20]
["Annual withdrawal",100000,null,null,null,"Year","Age","Total at beg of year","PMT at beg of year","Withdrawal at beg of year","Total at end of year"]
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{"sheet":"EX 15","index":12,"n_rows":12,"n_cols":4,"rows_kept":12,"cut":false,"hidden":false,"merged":[]}
[null,null,"Discount rate",{"$f":"B11","v":0.10036453604698181}]
["Date","CF"]
["2007-06-30",-899]
["2008-02-14",70]
[{"$f":"DATE(YEAR(A4)+1,MONTH(A4),DAY(A4))","v":"2009-02-14"},70]
[{"$f":"DATE(YEAR(A5)+1,MONTH(A5),DAY(A5))","v":"2010-02-14"},70]
["2011-02-14",70]
[{"$f":"DATE(YEAR(A7)+1,MONTH(A7),DAY(A7))","v":"2012-02-14"},70]
["2013-02-14",1070]
[]
["IRR",{"$f":"XIRR(B3:B9,A3:A9)","v":0.10036453604698181},{"$f":"getformula(B11)","v":"<--  =XIRR(B3:B9,A3:A9)"}]
["NPV",{"$f":"XNPV(D1,B3:B9,A3:A9)","v":-1.4863411024634843E-5},{"$f":"getformula(B12)","v":"<--  =XNPV(D1,B3:B9,A3:A9)"}]