Friday, July 1, 2022
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# Time Value of Money

Amortization tables, worksheet functions, and other topics involved with the time value of money.

### Here’s How Inflation Could Affect the Value of Your Home

November 5, 2021 Inflation is rising in the U.S. And that made me wonder how a higher rate of inflation could affect the price of...

### Calculate Mortgage Payments and Your ROA with an Excel CalcPlot Chart

An Excel CalcPlot Chart allows you to plot values in three dimensions, not merely two. Here are two examples. Mortgage Paments Mortgage interest rates are at...

### Find Future and Present Values from Scheduled Cash Flows in Excel

"I would like a Future Value command similar to the XIRR and XNPV functions, which allow compounding by using an interest rate and referencing...

### Five Really Useful Excel Keyboard Shortcuts

Most Excel users use some of Excel's shortcuts frequently, like F9, Ctrl + C and Ctrl + V. However, Excel offers other shortcuts that are nearly as useful....

### Excel’s Five Annuity Functions

“Help!” the message said. “I know the payment, interest rate, and current balance of a loan, and I need to calculate the number of...

### Compare Loan Payment Options in Excel

When you’re comparing your payment options for mortgage loans, your choices can be overwhelming... When in St. Ives, I found a home, Then looked at seven...

### How to Use Excel Formulas to Calculate a Term-Loan Amortization Schedule

"How do I calculate cumulative principal and interest for term loans? I have scoured the web for a function that will perform this task,...

### How to Smooth Data by Using the TREND Function

Years ago, I read that Prof. William S. Cleveland had suggested that data could be smoothed by calculating a centered trendline through adjacent data—a...

### Consumer Sentiment Suggests a 2022 Recession

In recent months, business websites have speculated about recessions and stagflation in 2022. These predictions could affect your Excel work significantly in the next few...

### Simple Transformations Can Reveal Hidden Patterns in Your Data

Excel users have at least two significant advantages over business professionals who rely on other analytical and reporting tools. First advantage: We Excel users can...