N!    Xc >0@-@-_        _      ,"Arial-@eTe^x!@!@!@!@!@#P@-e#Pe#P`e#P`e#P>-e#Pe#P e# Pe# P@-e# P@-e ` P ` P*v o_Wv2p@?`'@  -NIIIIII II P3_ Q2_ DF0_IJ'DCF_365.123 - Discounted Cash Flow analysis of Loan_365.WK1 - 8May01#'Copyright 2001, Joel Anderson'Initialize loan:' Amount% ' APR, nominal dec.%R' <- "13.000% Annually"' Term (mo)% ' Pmt, "monthly" [1]%A' <- from lender's table' First Period's interest%R ' <- calculated' Last Pmt [1]%L' <- from lender's table= '1. Pmt amount is arbitrarily designed to over repay (on= ' a straight amortization basis), then close-out with  ' a smaller last payment. 'Discounted Cash Flow:$'Calculate perPeriodRate (pPR):'Iterate guessRate into )' NOTE: This loan uses a DAILY pPR.'discounted flow formula ' pPR(daily)= APR/100/365='stack until the nullValue'13/100/365 =(- arW7?@@['equals zero (0.000).' APR = pPR*365*100 ='(.000356*365*100) =( *@@['nullValue(IP 'Yield=!' 100*((1+0.000356)^365-1) =(-0%+@@@[@'timeBase=%@['guessRate' 5:+@,'Amortization using days-between-dates:"XIRR*100=(A}5:+@QIIz@<<@123>>XIRR(B'na=not applicable"Discounted "Pmt_# ^Date"DaysBtwn "Pmt "IntPd "PrinPd "PrinBal"XIRR_flows "Flows "Init%""na"na"na(@((A@MM%@%@"(?@MM%A((I&M[@@[(odc@(An.8@(= ףpp@(AC vp@@MM%%"(>@MM%A((KIJZ@@[($:#ud@(XM@(= ףpp@(A|qp@@MM%%"(?@MM%A((GۯZ@@[(Y?d@(];s@(= ףpp@(Av8Cp@@MM%%@#(?@MM%A((+9DZ@@[(xd@(V`D@(= ףpp@(A?tW p@@MM%@%@#(<@MM%A((sPW@@[(0tee@(*F@(= ףpp@(A8o@@MM%%#(?@MM%A((wmTY@@[(Erad@(a@(= ףpp@(A'wlo@@MM% % #( >@ MM% A(( _ItX@@[ ( J e@  ( ;9B@ ( = ףpp@ (A k!>v,o@ @ MM%!%!@#(!?@!M M%!A((!{dX@@[! (!he@!!(!\@ !(!= ףpp@!(A!<Nn@!@!MM%"@%"%#(">@"M!M%"A(("nͧ%W@@["!("-Zf@""("'Fv@!"("= ףpp@"(A"s݁n@"@"MM%#%#-#(#?@#M"M%#A((#nW@@[#"(#$=e@##(#<@"#(#= ףpp@#(A#W>,n@#@#MM%$%$@5#($?@$M#M%$A(($V@@[$#($":|!f@$$($K(ȿ@#$($= ףpp@$(A$3m@$@$MM%%%%<#(%>@%M$M%%A((% 5U@@[%$(%wƼf@%%(%'j@$%(%= ףpp@%(A%Mom@%@%MM%&@%&D#(&?@&M%M%&A((&`%U@@[&%(&JSaNf@&&(&D\]@%&(&= ףpp@&(A&*@4m@&@&MM%'%'L#('>@'M&M%'A(('@,M+M%,A((,1=R@@[,+(,u^|h@,,(,@Y@+,(,= ףpp@,(A,dk@,@,MM%-%-y#(-?@-M,M%-A((-4W@.M-M%.A((.y/L1Q@@[.-(.8&/;i@..(.>Hg\@-.(.= ףpp@.(A.:Jj@.@.MM%/%/#(/?@/M.M%/A((/SP١6Q@@[/.(/P[h@//(/l"@./(/= ףpp@/(A/Sj@/@/MM%0%0#(0?@0M/M%0A((0iPP@@[0/(0F 8Fi@00(0R%ɶ@/0(0= ףpp@0(A0e(߅9j@0@0MM%1%1#(1>@1M0M%1A((1sH\*O@@[10(1]&i@11(1o@01(1= ףpp@1(A1ABi@1@1MM%2@%2#(2?@2M1M%2A((2r|O@@[21(2N%i@22(2G",@12(2= ףpp@2(A20:i@2@2MM%3%3@#(3>@3M2M%3A((3/:L@@[32(3o]j@33(3&irY@23(3= ףpp@3(A3dѱdi@3@3MM%4%4#(4?@4M3M%4A((4IgL@@[43(4,jj@44(4 ~@34(4= ףpp@4(A42Wsi@4@4MM%5%5#(5?@5M4M%5A((5(]+K@@[54(5V[ִj@55(5xK Xװ@45(5= ףpp@5(A5E Vh@5@5MM%6@%6#(6=@6M5M%6A((6' H@@[65(6dDdmk@66(6*5lձ@56(6= ףpp@6(A6Wh@6@6MM%7%7#(7?@7M6M%7A((7 j!4I@@[76(7QMk@77(79n@67(7= ףpp@7(A7.،Qh@7@7MM%8%8@#(8>@8M7M%8A((8@9G@@[87(8Rgk@88(8@78(8= ףpp@8(A80/h@8@8MM%9%9#(9?@9M8M%9A((9D#!F@@[98(9@ýk@99(9;z@89(9= ףpp@9(A9;hg@9@9MM%:@%:#(:>@:M9M%:A((:/D@@[:9(:Ƙdl@::(:e;H@9:(:= ףpp@:(A:ig@:@:MM%;%;@#(;?@;M:M%;A((;$HD@@[;:(; l@;;(;@:;(;= ףpp@;(A;0DJg@;@;MM%<%<#(<?@<M;M%<A((<5C@@[<;(<S`gl@<<(< z&@;<(<= ףpp@<(A<]& g@<@<MM%= %=#(=>@=M<M%=A((=Pr*-A@@[=<(=& ,Om@==(=J(-I@<=(== ףpp@=(A=lf@=@=MM%>@ %>@#(>?@>M=M%>A((>²Xt@@@[>=(>gq}m@>>(>a4^Pq@=>(>= ףpp@>(A>)f@>@>MM%? %?$(?>@?M>M%?A((?:'S=@@[?>(?Snm@??(?tqI@>?(?= ףpp@?(A?Nf@?@?MM%@ %@ $(@?@@M?M%@A((@-֨;@@[@?(@[(k%n@@@(@@ @?@(@= ףpp@@(A@e"f@@@@MM%A %A@$(A?@AM@M%AA((A J#8@@[A@(AX:Pzn@AA(A53yz@@A(A= ףpp@A(AAcTe@A@AMM%B@ %B@$(B<@BMAM%BA((BcprV%4@@[BA(Bnjy6o@BB(Bgތ@AB(B= ףpp@B(ABUe@B@BMM%C %C!$(C?@CMBM%CA((CuaPo3@@[CB(CK9)o@CC(C^]Tcȗ@BC(C= ףpp@C(ACQcW~^e@C@CMM%D %D($(D>@DMCM%DA((D0C0@@[DC(D[؏no@DD(DCYE֓@CD(D= ףpp@D(AD$e@D@DMM%E %E@0$(E?@EMDM%EA((EFr,@@[ED(EF)~Ro@EE(E~@DE(E= ףpp@E(AEXd@E@EMM%F@ %F7$(F>@FMEM%FA((Fh&Z%@@[FE(Fަp@FF(FY?@EF(F= ףpp@F(AF%!d@F@FMM%G %G?$(G?@GMFM%GA((G}g9 @@[GF(G :Gp@GG(GNs5@FG(G= ףpp@G(AG;(wd@G@GMM%H %H@G$(H?@HMGM%HA((H @@[HG(H*xup@HH(HGm@GH(H= ףpp@H(AHo=d@H@HMM I"[2]48%IN$(I>@IMHM%IL((I;@@[IH(I*m@II(I@7lHI(Ilm@I(AIۂ7]a@I@IMMDK'2. The balance doesn't end in zero. It should. But it doesn't.HL' This amortization table accurately reproduces a table furnishedFM' by a lender for an real loan. Why make things up when realityN' is more fun?B@  B@  B@  B@   BCA:A19  66 P5 ``??qP6 5   qqcc 0001 q2q    PPPPPPPP/PPP PPPPPPPPPPP PPPP           6  $ 0 0 6 6    2 BLB B6!6   Nx@ d       A_  , B@  B@   W   joel anderson joel anderson123123 PropertyDoc Info AuthorDoc Info CommentsDoc Info Editing TimeDoc Info Last RevisorDoc Info ObjectDoc Info Revisions Count  MO YM UM%MMM%MfM6MM GM vM    M  MMCMHdrM