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10B.book Page 4 Wednesday, June 21, 2000 5:19 PM Features 7KHIHDWXUHVRIWKH+3%,,DQGWKHPDQXDOUHIOHFWWKHQHHGVDQG ZLVKHVRIPDQ\FXVWRPHUV n $ODUJHFKDUDFWHUGLVSOD\ n $Q$WD*ODQFHVHFWLRQLQWKHPDQXDOIRUTXLFNUHIHUHQFH n $SSOLFDWLRQVWRVROYHEXVLQHVVDQGILQDQFLDOWDVNV 7LPH9DOXHRI0RQH\/RDQVVDYLQJVOHDVHVDQGDPRUWL]DWLRQ VFKHGXOHV ,QWHUHVW&RQYHUVLRQ1RPLQDODQGHIIHFWLYHUDWHV &DVK)ORZV1HWSUHVHQWYDOXHDQGLQWHUQDOUDWHRIUHWXUQ %XVLQHVV
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10BTOC.fm Page 5 Thursday, June 22, 2000 12:31 PM Contents 11 At a Glance... 11 %DVLFV³$WD*ODQFH 12 3HUFHQWDJHV³$WD*ODQFH 13 0HPRU\.H\V³$WD*ODQFH« 14 7LPH9DOXHRI0RQH\ 790 ³$WD*ODQFH« 15 790:KDWLI«³$WD*ODQFH« 16 $PRUWL]DWLRQ³$WD*ODQFH« 17 ,QWHUHVW5DWH&RQYHUVLRQ³$WD*ODQFH« 18 ,55<5DQG139³$WD*ODQFH« 19 6WDWLVWLFV³$WD*ODQFH« 21 .H\ERDUG0DS 1 23 Getting Started 23 3RZHU2QDQG2II 23 $GMXVWLQJWKH'LVSOD\&RQWUDVW 23 6LPSOH$ULWKPHWLF&DOFXODWLRQV 25 8QGHUVWDQG
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10BTOC.fm Page 6 Thursday, June 22, 2000 12:31 PM 2 33 Business Percentages 33 3HUFHQW.H\ 33 )LQGLQJD3HUFHQW 34 $GGLQJRU6XEWUDFWLQJD3HUFHQW 34 3HUFHQW&KDQJH 35 0DUJLQDQG0DUNXS&DOFXODWLRQV 35 0DUJLQ&DOFXODWLRQV 35 0DUNXSRQ&RVW&DOFXODWLRQV 36 8VLQJ0DUJLQDQG0DUNXS7RJHWKHU 3 37 Number Storage and Arithmetic 37 8VLQJ6WRUHG1XPEHUVLQ&DOFXODWLRQV 37 8VLQJ&RQVWDQWV 39 8VLQJWKH05HJLVWHU 40 8VLQJ1XPEHUHG5HJLVWHUV 41 'RLQJ$ULWKPHWLF,QVLGH5HJLVWHUV 42 'RLQJ$ULWKPHWLF 43 3R
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10BTOC.fm Page 7 Thursday, June 22, 2000 12:31 PM 5 53 Time Value of Money Calculations 53 8VLQJWKH790$SSOLFDWLRQ 54 &OHDULQJ790 55 %HJLQDQG(QG0RGHV 55 /RDQ&DOFXODWLRQV 60 6DYLQJV&DOFXODWLRQV 63 /HDVH&DOFXODWLRQV 67 $PRUWL]DWLRQ 72 ,QWHUHVW5DWH&RQYHUVLRQV 72 ,QYHVWPHQWV:LWK'LIIHUHQW&RPSRXQGLQJ3HULRGV 73 &RPSRXQGLQJDQG3D\PHQW3HULRGV'LIIHU 6 75 Cash Flow Calculations 75 +RZWR8VHWKH&DVK)ORZ$SSOLFDWLRQ 77 139DQG,55<5 'LVFRQWLQXLQJ&DVK)ORZV 77 2UJDQL]LQJ&DVK)ORZV
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10BTOC.fm Page 8 Thursday, June 22, 2000 12:31 PM 8 95 Additional Examples 95 %XVLQHVV$SSOLFDWLRQV 95 6HWWLQJD6DOHV3ULFH 96 )RUHFDVWLQJ%DVHGRQ+LVWRU\ 97 &RVWRI1RW7DNLQJD&DVK'LVFRXQW 98 /RDQVDQG0RUWJDJHV 98 6LPSOH$QQXDO,QWHUHVW 98 &RQWLQXRXV&RPSRXQGLQJ 99
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10BTOC.fm Page 9 Thursday, June 22, 2000 12:31 PM 123 ,IWKH&DOFXODWRU5HTXLUHV6HUYLFH 123 2EWDLQLQJ6HUYLFH 124 6HUYLFH&KDUJH 124 6KLSSLQJ,QVWUXFWLRQV 124 :DUUDQW\RQ6HUYLFH 125 6HUYLFH$JUHHPHQWV 125 5HJXODWRU\,QIRUPDWLRQ 126 (QGXVHUWHUPVDQGFRQGLWLRQV B 129 More About Calculations 129 ,55<5&DOFXODWLRQV 129 3RVVLEOH2XWFRPHVRI&DOFXODWLQJ,55<5 130 +DOWLQJDQG5HVWDUWLQJ,55<5 130 (QWHULQJD*XHVVIRU,55<5 131 (IIHFWRI8VLQJS ²WR&RUUHFW'DWD 131 5DQJHRI1XPEHUV 132 (TXD
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TOC.fm Page 10 Thursday, June 22, 2000 12:31 PM
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fm Page 12 Sunday, June 25, 2000 2:21 PM Percentages—At a Glance... D 3HUFHQW 7 &RVW c 3ULFH ] 0DUJLQ 0DUNXS $GGWR Keys: Display: Description: 17.50 (QWHUVQXPEHU D 20.13 $GGV )LQGWKHPDUJLQLIWKHFRVWLVDQGVHOOLQJSULFHLV 7 15.00 (QWHUVFRVW c 22.00 (QWHUVSULFH ] 31.82 &DOFXODWHVPDUJLQ ,IWKHFRVWLVDQGWKHPDUNXSLVZKDWLVWKHVHOOLQJSULFH" 7 20.00 (QWHUVFRVW 33.00 (QWHUVPDUNXS c 26.60 &DOFXODWHVSULF
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