By Esme Faerber
ISBN-10: 0071429069
ISBN-13: 9780071429061
Is it larger to shop for or rent a automobile? How does one calculate an funding go back? For that topic, what precisely is an funding go back? the private Finance Calculator offers noncomplex instruments and calculations for assessing present own wealth, picking out how a lot debt is just too a lot debt, realizing bank card rates of interest, and more.Written by way of Esme Faerber, a McGraw-Hill writer popular for simplifying complicated finance subject matters and explaining their use, this transparent, concise ebook explains basic steps for buying one's monetary existence so as and saving funds over either the fast and long-term. Readers will find out how to:* hold funding charges from undercutting total returns * Use the preferred "Rule of seventy two" to estimate funding development * verify how much cash they'll want for retirement"
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Additional info for The Personal Finance Calculator: How to Calculate the Most Important Financial Decisions in Your Life
Sample text
On the contrary, its purpose is to provide you with flexibility in your financial planning so you can achieve your financial goals. Step 3: Determine Your Financial Goals In order to set aside money for your financial future, you need to estimate the expenditures that go toward your savings and investments. Financial goals vary from person to person over time. Some financial goals are: • • • • • • • • • Saving for an emergency fund Increasing savings and investments Buying a new car Paying off a loan Buying a house Buying a larger house Saving to fund children’s education Providing retirement income Saving for annual vacations Some of these are short-term goals while others are longer term.
Future values focus on the movement of money forward in time. How much will money grow in the future when compounded at a particular interest rate? Present value is the opposite of future value. It is the movement of money back in time to the present. How much is money to be received in the future worth today? In other words, a future amount of money is discounted for a period of time to give an amount in today’s dollars. 76. 76 to be received in three years discounted at 5 percent compounded annually has a present value of $100.
08. ) into the calculator program. Step 2 Key the number of payment periods for the investment into the N button on the calculator. Step 3 Key the interest rate into the I button. Step 4 Key the principal into the PV button. Step 5 Press the FV button to calculate the future value. Using a Computer to Determine the Future Value With the popularity of personal computers, there are several programs that can be used to determine the future value. 3 illustrates the use of Microsoft’s Excel program and Quicken’s software.