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Author: admin | Category: Car Loan Canada | Date: 02.01.2015

An amortization schedule is a list of payments for a mortgage or loan, which shows how each payment is applied to both the principal amount and the interest.
This spreadsheet-based calculator creates an amortization schedule for a fixed-rate loan, with optional extra payments. Start by entering the total loan amount, the annual interest rate, the number of years required to repay the loan, and how frequently the payments must be made. The payment frequency can be annual, semi-annual, quarterly, bi-monthly, monthly, bi-weekly, or weekly. The Commercial Version allows you to use this spreadsheet in your loan or financial advisory business.
The header includes a place for the borrower's name and your company info: View Screenshot. The Vertex42 logo and copyright are outside the print area so that they don't show up when you print the schedule. This spreadsheet provides a more advanced way to track actual payments than the Payment Schedule included in the standard Loan Amortization Schedule. Usually, the interest rate that you enter into an amortization calculator is the nominal annual rate. Basic amortization calculators usually assume that the payment frequency matches the compounding period.
Some loans in the UK use an annual interest accrual period (annual compounding) where a monthly payment is calculated by dividing the annual payment by 12. There are two scenarios in which you could end up with negative amortization in this spreadsheet (interest being added to the balance). A loan payment schedule usually shows all payments and interest rounded to the nearest cent. When an amortization schedule includes rounding, the last payment usually has to be changed to make up the difference and bring the balance to zero. With this template, it is really quite simple to handle arbitrary extra payments (prepayments or additional payments on the principal). If you are on your last payment or the normal payment is greater than (1+rate)*balance, then pay (1+rate)*balance, otherwise make the normal payment.
Note: The download includes an extended version of the credit repair edition for listing 20 creditors, and a link to a Google Sheets version for listing up to 20 as well.
Use our Debt Reduction Calculator to help you eliminate your credit card, auto, student loan, and other debts. In the first worksheet, you enter your creditor information and your total monthly payment. The second worksheet is a payment schedule for you to print to keep track of your progress. One of the included files lets you list up to 20 creditors, and if that isn't enough, there is also a version that lets you list up to 40. Enter abbreviated names for your the credit card or lending institution, the current balances, and the interest rate information for all of your current debts (including home equity lines of credit or second mortgages). Choose the maximum monthly payment that you can pay each month towards your debts, based on your home budget. When your first debt is completely paid, the remainder of your snowball is then applied to the NEXT debt, and so on, until all the debts are paid.
Warning: It may be tempting to put your full financial strength into paying off your debts. This section describes the different strategies that you can choose within the debt reduction spreadsheet. User-Specified Order: There are three options for choosing the order that you want to pay your debts. Debt Snowflaking: This is a term for making extra debt payments above the normal monthly payment (above and beyond the normal snowball). Sample Letter to Student Loan Servicer - at consumerfinance.gov, Oct 16, 2013 - This article includes a sample letter for explaining to your loan servicer how you want your extra payments to be applied. Help us help others break free from the bonds of debt by spreading the news about this free debt reduction tool. A big thanks to Donald Wempe for the motivation to create this spreadsheet, and for his great ideas! Disclaimer: This spreadsheet and the information on this page is for illustrative and educational purposes only. It’s a good idea to estimate your EFC during your child’s junior year of high school, as this will give you some indication of how much you may be required to cover at each of the colleges on your child’s list.
If you find that your EFC seems too high (and it probably will), be sure to recheck your FAFSA for potential typos or errors that may have caused an error in calculations.
Variable vs Fixed Rate Student Loans 10 Companies That Will Help You Pay for College There's a New Bill to Help Student Loan Borrowers Avoid Late Fees Can the Interest On Your Student Loan Save You Money On Your Taxes? Next time you are looking to break some bread without breaking the bank be sure to check out the tasty tapas on our small plate menu. Featuring nearly two-dozen smaller versions of your favorite steakhouse fare, you will also find a unique selection of slider sandwiches and salads to gourmet mac-n-cheese and smothered fries. Whether hosting a business meeting, social affair or milestone celebration, Tara Steak & Lobster House can help you pull off a deliciously distinctive event.
Whatever you choose, rest assured, you will receive superior service in a spectacular setting and an evening of good tastes! The accounting procedure, from start to finish, follows what is called an accounting cycle. The Accounting cycle is a series of steps in recording an accounting event from the time a transaction occurs to its reflection in the financial statements. Where two or more parties engage in an exchange of goods or services for some form of consideration, a business transaction has taken place.
There are a multitude of source documents, varying in type and format used to record significant data. After transactions are classified they are then entered in the books of original entry (also called Journals). Petty Cashbook – Used to record small purchases and other payment that you do not want crowding the cashbook. The Journal or General Journal – This is a chronological (day-to-day) record of business transactions. A Trial Balance is a list of all debits and credits in the ledger accounts and their balances at any given time. There are numerous errors that may exist in a trial balance, whereby both sides still balance despite this. Adjusting entries are made at the end of the accounting period to ensure that revenues are reported when earned and expenses are reported when incurred. This is prepared after all adjusting entries have been journalised, posted and the affected accounts balanced. After all the temporary accounts have been closed, then the focus is turned to the real accounts and these include assets, liabilities and capital accounts.
The reversing entries are made at the beginning of the next accounting period and is the exact opposite of adjusting entries made in the previous period. Accounting is not an area to be feared and you do not have to understand all of it but especially when you run your own business it is good to have some idea.
I will be posting more articles about this topic in the future so please feel free to check back later. This free Gradebook Template for Excel started out as a very basic grade book spreadsheet, but it has evolved into something that is very useful, flexible, and powerful (and still free).
For new teachers: I've included a lot of information on this page about how to use the grade book. This system is commonly used in high schools and for courses that involve more subjective grading like art and literature. Converting Letter Grades to Percentages: The grading scale is used to define the minimums for each grade.
Extra Credit - Giving extra credit using this system requires assigning the extra credit to specific assignments (such as giving a score of 110%). Extra Credit: The values listed in the Points row in the Gradebook worksheet do not necessarily represent "maximum possible" points. In this version, both the grade scale and the recorded grades are based on a 4.0 grade point system. Recording Failing Grades: Unlike the percentage grade scale where failing grades are entered as 50% or half the points, a failing grade is entered as a 0, because the scale is set up so that F=0 and A=4 averages to a C=2.
Although some help information is included in the worksheets, I've included additional information about how to use the templates below. To avoid confusion or possibly complete chaos, teachers should be very clear about how students will be graded. Each of the spreadsheets contains a worksheet for defining the Grading Scale, depending on the chosen grading method (see below). The grade book template is designed to make it easy to customize the spreadsheet for the size of your class.
You can add or remove assignments by simply copying the entire column for an existing assignment and then pasting that column somewhere between the first and last assignment column.
It is fairly common, especially in college courses, to make the exams, quizzes, homework, the final, and class participation each a specific percentage of the final grade.
In favor of simplicity and flexibility in my spreadsheets, instead of calculating each of these totals separately then combining them to get the final grade, each assignment is given either a number of points or a weighting factor.


Example 1: Relative Weighting - If you wanted an exam to be equivalent to 5 homework assignments, in the Gradebook worksheet you could set the weighting factors on the homework to 1 and the weighting factor for the exam to 5. Example 2: Using Total Points - The number of points for each assignment can be used as the weighting for determining what percentage of the overall course grade comes from homework, exams, quizzes, etc. Excused Assignments: To record an incomplete assignment as excused, you can either leave it blank or enter an "E" or "e" (not case sensitive). Adding Comments: One nice thing about using Excel is that if you need to include any comments about specific assignments, you can add a comment to the cell (right-click on the cell and select Insert Comment).
Dropping Low Grades - If your policy is to take the best of 3 exam grades, then this can be handled easily by changing the lowest exam grade to an "E" for "excused". Guideline for Failing Grades: If you are using the Percentage or Point based grading system, a failing grade is typically less than 60%. At the end of the course, the teacher usually looks at the grades for the entire class and might make adjustments to the grading scale depending on the class average and distribution of grades. Simple Curving: Instead of (or in addition to) making adjustments to the grading scale, you can use the Curve field in the Gradebook worksheet to increase all the final grades by a certain percentage. Example 2: The policy in department X is to allow 15% of the grades to be A's (including A-, A, and A+).
The assignment of the final letter grade in the Gradebook worksheet is done automatically based on the grading scale defined in the Grades worksheet. A Little Background: A common approach to grading on a curve is to first order all the final grades from highest to lowest. An alternative to ordering the grades (something that the gradebook template doesn't do for you) is to determine the cutoff scores by calculating percentiles and altering the grading scale accordingly. Using Percentiles: A Percentile is defined as a value below which a certain percent of values fall. Plus and Minus Grades (Chromatic Variants): When grading on a curve, the cutoff scores for the plus and minus grades (A-, B+, B-, etc) might be subjective or you might use the system where the minus scores make up the lower 30% of the letter grade and the plus scores make up the upper 40% of the letter grade to correspond with the GPA system. Teachers may sometimes want to make different types of assignments worth a certain percentage of the final grade, such as Homework=30%, Exams=50%, and Attendance=20%.
Final Grade: The final grade is calculated by multiplying the category weight times the category score and adding the results for each category. Extra Credit: In theory, extra credit can be earned by giving a student more points on an assignment than are available for that assignment, although the weight of that type of extra credit is difficult to determine.
Scores per Category: The percentage score for each category is calculated by dividing the total points earned by the total points available for that category.
Dropping the lowest exam score or quiz score is a popular way to make students happy, but weighting factors can complicate this.
What if the exams have different weights, how do you know which one has the largest negative effect on the grade? Which one do you think should be dropped, the lowest % score (Exam A) or the score with the largest point loss (Exam C)? Veterans and military members have access to one of the most powerful homebuying tools on the market – the VA loan. These articles were created solely by Veterans United, a paying advertiser from whom Bankrate receives compensation. The schedule shows the remaining balance still owed after each payment is made, so you know how much you have left to pay. Then you can experiment with other payment scenarios such as making an extra payment or a balloon payment. You can also make multiple copies of the Schedule worksheet within the same workbook, to compare different loans and scenarios. It can be used to estimate a payment schedule for a Simple Interest Loan or Simple Interest Mortgage, in which the interest accrues daily in a separate interest accrual account. It allows you to create a payment schedule for a fixed-rate loan, with optional extra payments and an optional interest-only period. However, when creating an amortization schedule, it is the interest rate per period that you use in the calculations, labeled rate per period in the above spreadsheet. In that case, the rate per period is simply the nominal annual interest rate divided by the number of periods per year. One of the most powerful things about this spreadsheet is the ability to choose different debt reduction strategies, including the debt snowball effect (paying the lowest balance first) or the debt avalanche (highest-interest first).
The more you can squeeze out of your budget to increase your debt snowball, the faster you'll reach your goals. Easily create a debt reduction schedule based on the popular debt snowball strategy, or experiment with your own custom strategy. You'll then see a summary of when each of the debts will be paid off based on the strategy you choose. You may need to verify with your lending institutions what your current minimum payments are. The difference between the total minimum payments and your total monthly payment is your initial snowball.
The benefit of this method is the psychological effect of seeing the number of debts disappear quickly. If the difference in the total interest is not significant, than you may get more satisfaction and success from the Lowest Balance First method. It might not make much difference in how long it takes to pay them off, but it could make a difference in how much interest you end up paying. Your situation is unique, and we do not guarantee the results or the applicability of this calculator to your situation.
Knowing this figure upfront can not only help you plan for future costs, but also help you (and your child) keep student loan debt to a minimum. If everything is correct, but you still have some extenuating circumstances that might lower your EFC (such as a job loss), make an appointment with the college’s financial aid office. Be sure he or she is applying for scholarships and don’t forget to use our free comparison tool when researching private student loans. Choose from our open menu of award-winning food and wine or allow us to create a menu to meet your guests’ tastes and keep you on budget.
This article will give you an idea of what happens in the accounting process and reaffirm the importance of record keeping. These steps in the accounting cycle provides means of organising and keeping track of financial transactions. The Journals or books of original entry give a chronological (day-to-day) record of business transactions. Double entry (where entries are divided into debits and credits) is the method of recording transactions, which allows a check on accuracy of the recording. It shows the balance of all the accounts, including those that have been adjusted at the end of the accounting period.
These are the temporary owners equity accounts, revenue, expenses and withdrawals – these accounts only accumulate data for one year at a time. We now have a few different types of grade books that can handle most of the major grading systems used in high school and colleges. In addition, because the gradebook is in Excel rather than an online gradebook system, you can add cell comments and format cells to highlight specific grades. Points: If you use total points for the weighting factors, then the percentage system is almost exactly the same as the point-based system, except that you are recording grades as percentages, and doing the calculations for each assignment by hand. This type of system might be used by a class in which all grades are subjective and the grading on each assignment is by letter grade. The items below are listed generally in the order that you would need to perform the various actions. The grading scale is often outlined in the course syllabus, depending on how structured the course is. In the Names worksheet as well as the Gradebook worksheets, when inserting or removing students, you should insert or remove the entire row (right-click on the row number to bring up options). However, students usually like to keep their grades private to avoid heckling from other classmates.
It is important that you do not paste the new column AFTER the last assignment because if you do that, the formulas will not automatically stretch to include the new column. For example, the breakdown might be homework=25% of the grade, midterm=25%, quizzes=15%, and the final=35%. Or, using the point system, the exam would be worth 5 times as many points as a homework assignment. For example, if a typical homework assignment is 25 points and you have 10 of them, the total points for homework is 250. You should probably add a comment so you can keep a record of the actual score earned on that exam.
However, if a student misses an assignment or scores less than 50%, you should record the grade as 50% or half the points for that assignment.
If you are aiming for a target class average, you can use goal seek to set the Mean percentage to the target value by changing the curve percentage.
To be fair, the teacher might want to shift all minimums down 0.1% in this case (this would also make the changes more defendable).
You can determine the minimum score for an A- by calculating the 85th Percentile and then shift the grading scale. For the formulas to work correctly, the Grading Scale must be ordered from lowest to highest. However, what I have described above in "final adjustments to grading scale" is one method for adjusting grades based on a curve.


To find the minimum score for an A-, you calculate the 90th percentile using the following Excel formula, where final_scores is the range of cells containing the final student scores.
For example, if the weighting is Homework=60% and Exams=40% and a student's scores are 80% for homework and 75% for exams, then the final grade is 60%*80%+40%*75%=78%. Defining specific extra credit assignments makes it easier to define the weight of the extra credit on the final grade. If you give 3 exams and allow the lowest score to be dropped, it is easy to figure out which one to drop IF all exams are worth the same number of possible points - you drop the assignment with the lowest % score (or lowest points earned - it will be the same). We ask that you stay focused on the story topic, respect other people's opinions, and avoid profanity, offensive statements, illegal contents and advertisement posts. Please refer to Bankrate's privacy policy for more information regarding Bankrate's privacy practices. Bankrate may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on certain links posted on this website.
To create an amortization schedule using Excel, you can use our free amortization calculator which is able to handle the type of rounding required of an official payment schedule. Make sure to read the related blog article to learn how to pay off your loan earlier and save on interest. When the compound period and payment period are different (as in Canadian mortgages), a more general formula is needed (see my amortization calculation article). The way to simulate this using our Amortization Schedule is by setting both the compound period and the payment frequency to annual.
The second is if you choose a compound period that is shorter than the payment period (for example, choosing a weekly compound period but making payments monthly). Changing the Payment Amount makes more sense to me, and is the approach I use in my spreadsheets. For fixed-rate loans, this reduces the balance and the overall interest, and can help you pay off your loan early. Just choose the strategy from a dropdown box after you enter your creditor information into the worksheet. Continue reading below the download block for links to useful blog articles and information about the various debt reduction strategies. For the price of a good lunch, you can figure out how to save yourself hundreds or thousands of dollars! Also, keep in mind that your minimum payment may change over time, depending on interest rates or other issues. You need to balance your debt reduction goals with the need for an emergency fund and other important financial goals. Basically, it is a number derived from the Free Application for Federal Student Aid (FAFSA) that shows your family’s financial health and how much you should be able to contribute to your child’s college education for one year. As a mother of four, Tamara has first-hand experience with many areas of education, including special needs (autism), the International Baccalaureate program and post-secondary education. If you are not familiar with any of the terminology or is still in the early stages of learning about accounting, you may have to re-read this article. This system is based on the concept that business can be described by a number of variables or accounts, each describing an aspect of business in monetary terms.
The preparation of a post closing trial balance is to prove that debits and credits are equal after closing the ledger. For example, instead of recording an A- as a 90% (the minimum), you might record it as a 92%. Or, if you allow extra credit on a specific assignment, the student might earn a higher score than the one listed in the Points row.
I would have liked to make the template work so that you enter the actual letter grades, but that turned out to be too complex, so instead, the grades are recorded by converting the letter grade to the equivalent point value. Regardless of the system you use for grading, remember that grades you give should be Fair and Defendable (see [1] below). College students will usually want to know how many assignments and exams there will be as well the points or weighting associated with the home work and exams.
So, I've built into the spreadsheet a checkbox for switching between student names (for the teacher's convenience while recording grades) and custom student IDs (to maintain some privacy when displaying the grades to students). To make the exams worth 50% of the grade, you just need to make the total points for the exams equal to 250, also.
For example, you might want to include a comment about why a particular assignment was excused for a student. These percentages represent a symmetric bell curve for the ABCDF grading system with a C average, but the values will depend on how many A's you are allowed to assign and whether or not the distribution is symmetric. Assignments within a category can be given different weights by giving each each assignment and different number of points possible (such as a final worth 150 points and a mid-term worth 100 points). You can use the free loan amortization schedule for mortgages, auto loans, consumer loans, and business loans. Many loan and amortization calculators, especially those used for academic or illustrative purposes, do not do any rounding. So, depending on how your lender decides to handle the rounding, you may see slight differences between this spreadsheet, your specific payment schedule, or an online loan amortization calculator. But, the normal payment remains the same (except for the last payment required to bring the balance to zero - see below). You may need to change this option if you are trying to match the spreadsheet up with a schedule that you received from your lender. Getting out of debt is not easy, but with a good plan and firm determination, it is entirely possible. Because this number will be subtracted from your Cost of Attendance (COA) to determine your financial aid need. Each transaction must be analysed in terms of its effect on the components of the basic accounting equation.
However, owner’s equity cannot change by itself, there must also be a corresponding change in either assets or liabilities (as per accounting equation noted above). On a typical 4-point GPA scale, F=0 and A=4, so the average between an F and an A is a C=2.
If you are a small private lender, you can download the commercial version and use it to create a repayment schedule to give to the borrower. This spreadsheet rounds the monthly payment and the interest payment to the nearest cent, but it also includes an option to turn off the rounding (so that you can quickly compare the calculations to other calculators).
The Debt Reduction Calculator is a simple spreadsheet available for Microsoft Excel®, OpenOffice, and Google Sheets, that helps you come up with a plan. It’s really too complicated to explain in great detail here, but it essentially factors in your family’s income, taxable investment assets, college savings accounts, the number of children enrolled in college, your household size, and even your marital status (just to name a few).
But, having an EFC of zero doesn’t necessarily guarantee that you’ll be off the hook for paying anything for college. In her free time, Tamara enjoys volunteering and supporting her favorite football team, the Jacksonville Jaguars. The question must be asked: Has the financial position (assets, liabilities and shareholders equity) of the company changed? Thus every adjusting entry affects both the Income Statement account (revenue or expense) and the Balance Sheet account (asset or liability). The nice thing about this system is that you can use whatever method makes sense for a particular assignment. If you are using a percentage or point based grading scale, is the average between a 0% (F) and 100% (A) also a C? When making adjustments, it is vital to remember to make the grades Fair and Defendable - meaning that you as the teacher can defend the grades you give when hounded by students, parents, the department head, or the school board. Please avoid posting private or confidential information, and also keep in mind that anything you post may be disclosed, published, transmitted or reused. It creates a debt snowball payment schedule that can help you manage your payments to most effectively pay off your debts.
Most parents are stunned when they view their EFC for the first time, so don’t be alarmed if you think it’s incorrect, too. It all depends on where your child enrolls and whether the school meets 100% of your need or not.
If you are unsure what template to use, I would suggest using the percentage-based version. We do not permit the inclusion of hyperlinks in comments and may remove any comment that includes a hyperlink. Our wonderful elected officials in Congress are the ones who actually created the EFC formula, so it’s no wonder that it seems a bit flawed. An Exception: Teachers might choose to give a 0% in order to penalize students for not turning in assignments and to discourage laziness. Just remember that it’s an estimate of what you should be able to pay for college and that your actual amount may be quite different. But, there are a few things you can do to help lower your out-of-pocket expenses, such as starting at a community college or seeking out colleges that offer hefty need-based scholarships. This would also distinguish a student who didn't do anything from one who struggles but only scores a 50%.
If your EFC is on the higher end of the scale, you may want to have your child research colleges that provide large merit-based scholarships.



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