Index

New Index Button:

If you add a new worksheet, you can create a new set
of index buttons with the New Index button. However,
some macros automatically create a new index.
Install Index Button:
This button will install a return to index button on
the selected worksheet. However, some macros automatically
include the return to index button.

If you find any errors, or find this file has been of help
to you, please contact me. Jack Karnes
jackkarnes_pc@mindspring.com

You can see more files on my web site:

http://www.mindspring.com/~jackkarnes

The Time/Rate Calculator that can be found at this site

may be of particular value to you. This file calculates fees
based on elapsed time and hourly rate.

If you have opted to create separate files for Monthly Bills,

Account Record, Income Tax, Bond Schedule, Expense, or
Trip Expense, they can be deleted from this file with the
following buttons. They will not be permanently deleted until
this file is saved.
 et, you can create a new set
New Index button. However,
ly create a new index.

eturn to index button on

However, some macros automatically

find this file has been of help

e. Jack Karnes

my web site:
~jackkarnes

that can be found at this site

e to you. This file calculates fees
d hourly rate.

te separate files for Monthly Bills,

Tax, Bond Schedule, Expense, or
e deleted from this file with the
will not be permanently deleted until
Index

Financial Calculator

Currency Converter

Elapsed Time Table

Miscellaneous

Monthly Bills

Account Record

Bond Schedule Starter

Expense Starter

Trip Expense Starter

9
 See note below!

Financial Calculator
Amount at Simple Interest
Amount Compounded Daily
Amount Compounded Monthly
Amount Compounded Quarterly
Find Number of Periods (NPER)
Find Amount of Interest in Payment
Find Payment
Find Loan Balance
Future Value of PMT
Present Value of PMT
PV of Single Amount
FV of Single Amount
Days Calculator
Amortization Schedule
How Much House?
How Much Accumulation?

Note: When creating an amortization schedule and the X-Bar add-in is installed and activated, uncheck t
Create New Workbook box as creating a new workbook conflicts with the X-Bar add-in. Un-checking the
Create New Workbook box creates the amortization schedule in this workbook. It can then be moved, cop
or deleted by selecting the sheet name tab with the mouse down and pressing the Shift key. It can also remain in the
workbook.

Page
 See note below!

d and activated, uncheck the

r add-in. Un-checking the
. It can then be moved, copied,
t key. It can also remain in the

Page
10/16/1999
Account No.
Security Cpn M/Date Quantity Jan/Jul Feb/Aug Mar/Sep Apr/Oct May/Nov Jun/Dec
IRA Bond 1 7.200% 4/15/2006 $50,000.00 $1,800.00 $3,600.00
IRA Bond 2 7.000% 7/1/2007 $50,000.00 $1,750.00 $3,500.00
IRA Bond 3 5.800% 1/12/2009 $50,000.00 $1,450.00 $2,900.00
IRA Bond 4 6.250% 3/15/2009 $50,000.00 $1,562.50 $3,125.00
IRA Bond 5 6.375% 2/15/2010 $50,000.00 $1,593.75 $3,187.50
Totals $250,000.00 $3,200.00 $1,593.75 $1,562.50 $1,800.00 $0.00 $0.00 $16,312.50

Account No.
Security Cpn M/Date Quantity Jan/Jul Feb/Aug Mar/Sep Apr/Oct May/Nov Jun/Dec
Municipal Bond 1 6.000% 10/1/2014 $50,000.00 $1,500.00 $3,000.00
Corporate Bond 1 7.875% 8/1/2008 $50,000.00 $1,968.75 $3,937.50
Municipal Bond 2 6.400% 11/1/2009 $50,000.00 $1,600.00 $3,200.00
Municipal Bond 3 6.600% 6/1/2005 $50,000.00 $1,650.00 $3,300.00
Municipal Bond 4 5.650% 7/1/2023 $50,000.00 $1,412.50 $2,825.00
Municipal Bond 5 6.100% 8/1/2012 $50,000.00 $1,525.00 $3,050.00
Municipal Bond 6 5.100% 10/1/2007 $50,000.00 $1,275.00 $2,550.00
Municipal Bond 7 5.125% 12/1/2013 $50,000.00 $1,281.25 $2,562.50
Municipal Bond 8 6.200% 5/1/2020 $50,000.00 $1,550.00 $3,100.00
Municipal Bond 9 5.750% 3/1/2016 $50,000.00 $1,437.50 $2,875.00
Municipal Bond 10 6.700% 10/1/2006 $50,000.00 $1,675.00 $3,350.00
Totals $550,000.00 $1,412.50 $3,493.75 $1,437.50 $4,450.00 $3,150.00 $2,931.25 $33,750.00

Grand Total $800,000.00 $4,612.50 $5,087.50 $3,000.00 $6,250.00 $3,150.00 $2,931.25 $50,062.50
Currency Converter

Currency Factors
Australian Dollar 0.66
Brazilian Real 0.55
British Pound 1.42
Canadian Dollar 0.63
Czech Koruny 0.03
Chinese (P.R.) Yuan 0.12
Danish Krone 0.12
Egyptian Pound 0.22
Euro 0.87
Hungarian Forint 0
Indian Rupee 0.02
Israeli Shekel 0.22
Japanese Yen 0.01
Malaysian Ringgit 0.26
Mexican Peso 0.11
New Zealand Dollar 0.53
Norwegian Krone 0.11
Philippine Peso 0.03
Polish Zlotych 0.24
Russian Ruble 0.03
Singapore Dollar 0.59
South African Rand 0.09
South Korean Won 0
Sri Lankan Rupee 0.01
Swedish Krona 0.09
Swiss Franc 0.59
Taiwan N.T. Dollar 0.03
Thai Baht 0.03
Turkish Lira 7.84E-07
Venezuelan Bolivar 0

Page 12
 Currency Converter

Euro Countries:
Austria
Belgium
Finland
France
Germany
Greece
Ireland
Italy
Luxembourg
Netherlands
Portugal
Spain

Page 13
 A B C D E

2
3 ELAPSED TIME TABLE
4 DATE OF LAST UPDATE: Monday, March 24, 2003
5 TODAY PROJECTED DATE SUBJECT YEARS
6 2/2/2010 Sunday, August 1, 2010 Municipal Bond 1 7 YEARS
7 Friday, July 1, 2011 Municipal Bond 2 8 YEARS
8 Sunday, December 2, 2012 Municipal Bond 3 9 YEARS
9 Tuesday, March 12, 2013 Municipal Bond 4 9 YEARS
10 Friday, June 20, 2014 Municipal Bond 5 11 YEARS
11 ### Municipal Bond 6 12 YEARS
12 Tuesday, November 1, 2016 Municipal Bond 7 13 YEARS
13 Friday, January 6, 2017 Municipal Bond 8 13 YEARS
14 Monday, April 16, 2018 Municipal Bond 9 15 YEARS
15 Thursday, July 25, 2019 Municipal Bond 10 16 YEARS
16 Monday, November 2, 2020 Municipal Bond 11 17 YEARS
17 Thursday, April 1, 2021 Municipal Bond 12 18 YEARS
18 Thursday, December 1, 2022 Municipal Bond 13 19 YEARS
19 Monday, May 1, 2023 Municipal Bond 14 20 YEARS
20 Monday, July 1, 2024 Municipal Bond 15 21 YEARS
21 Friday, August 1, 2025 Municipal Bond 16 22 YEARS
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 F G H I J K L P

2 ©1998 JACK KARNES. ALL RIGHTS RESERVED.

3
4
5 MONTHS WEEKS DAYS TOTAL DAYS
6 4 MO. 1 WEEK 3 DAYS 180 DAYS
7 3 MOS. 1 WEEK 2 DAYS 514 DAYS
8 8 MOS. 1 WEEK 5 DAYS 1034 DAYS
9 11 MOS. 3 WEEKS 0 DAYS 1134 DAYS
10 2 MOS. 4 WEEKS 2 DAYS 1599 DAYS
11 6 MOS. 1 WEEK 1 DAY 2064 DAYS
12 7 MOS. 1 WEEK 6 DAYS 2464 DAYS
13 9 MOS. 2 WEEKS 4 DAYS 2530 DAYS
14 0 MOS. 3 WEEKS 6 DAYS 2995 DAYS
15 4 MOS. 0 WEEKS 5 DAYS 3460 DAYS
16 7 MOS. 2 WEEKS 1 DAY 3926 DAYS
17 0 MOS. 1 WEEK 6 DAYS 4076 DAYS
18 8 MOS. 1 WEEK 6+ DAYS 4685 DAYS
19 1 MOS. 1 WEEK 5 DAYS 4836 DAYS
20 3 MOS. 1 WEEK 6+ DAYS 5263 DAYS
21 4 MOS. 1 WEEK 6+ DAYS 5659 DAYS
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 Q R S T U

1
21
2
LL RIGHTS RESERVED.
3
4
5 • Elapsed Time Table Instructions
6 Use the sample entries provided to familiarize yourself with this sheet. Clear the sample with the
7 Clear Sample button.Then replace the sample with the Replace Sample button. Next click the Sort b
8 Date button. Finally, click the Calculate button. This should give you a good idea how the macro wo
9 You now simply enter your maturity dates and the subject of that date. If you wish to delete the Cle
10 Sample and Replace Sample buttons, select them with the mouse and the commandkey down, then
11 the cut menu item under the Edit menu.
12
13 Days Calculator
14 Calculates days between two dates and converts them to weeks, months, or years.
15 Also, will find day of week for a particular date.
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 V W

2
3
4
5
6 Clear the sample with the
f with this sheet.
e Replace Sample 7 button. Next click the Sort by
hould give you 8 a good idea how the macro works.
9 If you wish to delete the Clear
bject of that date.
h the mouse and 10 the commandkey down, then select
11
12
13
14
m to weeks, months, or years.
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 Miscellaneous

Instructions
Fund Analyzer
Calculates the number of years an investment fund will last withdrawing
a set monthly amount.

Required Distribution
Calculates minimum required disbursement of IRA funds for those over
the age of seventy and one half years.

Fund Creator
Calculates the number of years a monthly investment will require to meet
a set goal.

What If?
Calculates the amount of a retirement fund at the end of proposed
investment period at a set monthly investment amount.

How Much for How Long?

Calculates the amount that can be withdrawn each year before funds are
completely depleted.

Net Worth
Calculates Net Worth. Will create a printable Net Worth sheet by checking
Create Net Worth Sheet box.

Find Marginal Tax Rate

Calculates Marginal Tax Rate. Enter taxable income.

Find Comparable Tax Rate

Calculates comparable tax rate of tax free bonds with taxable investments.

• In all cases, enter annual interest rate ie: 6% as 6 (not .06).

Page 22
Miscellaneous

Page 23
 Miscellaneous

estments.

Page 24
Miscellaneous

Page 25
Monthly Bills Estimate
Bills Balance
Credit Card 1 $0.00
Credit Card 2 $0.00
Department Store 1 $0.00
Department Store 2 $0.00
Phone $0.00
Cable $0.00
Gas $0.00
Electric $0.00
Bill 9 $0.00
Bill 10 $0.00
Bill 11 $0.00
Bill 12 $0.00
Bill 13 $0.00
Bill 14 $0.00
Bill 15 $0.00
Total $0.00

Enter Present Checking Account Balance:

No Additional Funds Required.

$0.00

$0.00
 Account Record
Account 1 Name
Base Value Base Date
Update Value Update Date
Current Rate

Account 2 Name
Base Value Base Date
Update Value Update Date
Current Rate

Instructions
Enter Deposit: Click Update Account button. Enter deposit amount and rate, if this is
initial deposit or rate has changed, enter base and update date in dialog box.
Click OK. In most cases, for both deposits and withdrawals, base date and
update date should be the same.
Enter Withdrawal: Click Update Account button. Enter withdrawal amount and rate, if rate
has changed, in dialog box. Click OK.
Update Value: Click Update Account button. Make no entries except for update date if
update date is not today. Otherwise, make no entries. Click OK. Always
update before entering deposits or withdrawals.
Change Rate: Click Update Account button. Enter new rate in dialog box. Enter 6.5%
as 6.5, not 0.065. Click OK.
New Record: Click New Record button to create a new account record sheet.
!DO NOT CHANGE NAME OF WORKSHEET 1 - Account Record
Account Names: Type in account names at cell B6 and B11.

You can create a separate account record workbook by clicking the Create Account
Record Workbook button. Creating the Account Record Workbook permanently deletes all
other worksheets and macros. If you plan to create many account records, we recommend
creating a separate file.
 2
1

in dialog box.

the Create Account

book permanently deletes all
nt records, we recommend
To create a bond payment schedule, press Bond Payment Schedule

You can create a separate bond record workbook by clicking the Create Bond Record
Workbook button. If you plan to create many payment schedules, we recommend
creating a separate file. Set the directory to the storage folder before creating workbook.
ment Schedule button.

g the Create Bond Record

hedules, we recommend
der before creating workbook.
To create expense record sheet, press Simple Expense Record button.

You can create a separate expense workbook by clicking the Create Expense Workbook
button. If you plan to create many expense records, we recommend creating a separate file.
Set the directory to the storage folder before creating workbook.
se Record button.

e Create Expense Workbook

ommend creating a separate file.
 To create expense record sheet, press Trip Expense Record button.

You can create a separate expense workbook by clicking the Create Trip Expense Workbook
button. If you plan to create many expense records, we recommend creating a separate file.
Set the directory to the storage folder before creating workbook.

Trip Expense Record Instructions:

After pressing the "Trip Expense Record" button, the "Expense Dialog Box" will app
several options. However, the default options are set to create a new expense sheet t
placed in the last position of your expense sheets in your workbook. Therefore, you w
just press the "OK" button unless you are placing it in an existing worksheet.
Install Control Buttons
Unless you are placing several small reports on one page, t
Enter Starting Row
Again, unless you are installing on an existing sheet, the se
Enter the Number of Lines Required.
Always select more than you think will be required, but 40 r
is all that should be used for a 8-1/2X11 page. Forty is the d
Install onNew or Existing Worksheet
The default selection is new worksheet.
Add Current Date
During the planning stage, it is probably a good idea to date
Select Worksheet for Installation
This is only active, and used, when you are installing on an
Enter Worksheet of Workbook
This is required where you are installing on a worksheet in a
Current Credit Cards Selected
Shows current credit cards selected, but may be changed b
"Change Credit Card Selection" box.

The Trip Expense Sheet contains the following 13 buttons;

SET TITLE
When dialog box Set Title Form appears:
Enter trip title and year.
Enter worksheet/expense sheet name without spaces. Example: England
 (This will become the name of your worksheet. "_Exp" will a
Enter starting date of trip.
Enter ending date of trip.
Click on the Add Prepared For: Line box, if desired. (Typically for travel a

ENTRY
When dialog box Data Form Box appears:
Date: Enter transaction date.
Item: Enter name of hotel, airline, car rental agency, etc.
Amount: Enter amount.
Foreign: Enter foreign amount, for identification purposes.
Miles: Entire miles if applicable.
Select from list of types of transactions.
Select credit card used or cash or check.
Select whether transaction has been paid or not.
Select line for transaction (usually Last).
Check the Repeat box, and leave checked until the last entry.

CALCULATE
This button calculates all the entries, and places the totals in the
summary list.

CONTRACT
This button deletes the unused lines of the sheet.

EXPAND
This button returns the unused lines if additional expenses are added.

FIX
This button permanently fixes the expense sheet. It also deletes the
criteria line and the Set Title, Entry, Calculate, Contract, Expand, and
Fix buttons. This button should only be used when Expense Sheet is completed.
Once the expense sheet is completed, the "Fix" button should be used before a
new expense sheet is inserted into the workbook.

OPEN and CLOSE COLUMNS

These either hide or show the last 5 columns of the expense sheet.
A printed record of the Expense Sheet is usually made with the columns closed.

GO TO SUMMARY
Puts all the summary figures in the active window.

CODES
This button displays a dialog box with all the codes for the various entries.
This can be useful when making or changing entries without using the Entry button.

SET FACTORS
This button allows the user to set up to 10 foreign currency factors for use with the
CURRENCY CONVERTER and CONVERTER buttons. Ten countries and factors have
been entered, however, the factors may not be current. They can be easily updated o
 changed by simply typing over the existing entries. Factors can be found in the Busin
Section of most newpapers. Always use the foreign to dollars factor. Countries can be
changed as well. If changes are made, it is best to click the Save

CURRENCY CONVERTER
This button activates a macro that does the math work for converting foreign currenc
to U. S. dollars. Enter the foreign amount in the dialog box, select the country, and th
click OK. Dialog box will reappear with the conversion.

CONVERTER
This button is the same as the CURRENCY CONVERTER button, except it enters the re
directly into the line selected in the Trip Expense Sheet. It will take the figure entered
in the Foreign column, convert it to US currency, and place the result in the Amount c
at the line selected.

To Install Expense Sheet on Existing Worksheet

This option is usually used when you have several short reports that can be placed on
one page. However, if you check the "Install Control Buttons" box, and enter 1 in the
"Starting Row" box, and 40 in the Number of Lines box, and check the Date box,
you will have exactly the same sheet as the Trip Expense Sheet. Those selections are
also the default selections.
When the dialog box Trip Expense Form appears:
Click "Install Control Buttons" box.
This box should only be checked (marked X) on the first exp
sheet installed on a worksheet. Additional expense sheets
same worksheet do not require buttons.
When installing multiple expense sheets on a single worksh
each expense sheet should be fixed before the next expens
is installed. However, do not check the Delete Top Row of B
options box on the Fix button dialog box until the last expen
report has been installed.

After sheet is created, see Insert Expense Sheet above for explanation of buttons.

SET FACTORS
This button allows the user to set up to 10 foreign currency factors for use with the
CURRENCY CONVERTER button. The same button as on the Trip Expense Sheet.

CURRENCY CONVERTER
This button activates a macro that does the math work for converting foreign currenc
to U. S. dollars. Enter the foreign amount in the dialog box, select the country, and th
click OK. Dialog box will reappear with the conversion. The same button as on the
Trip Expense Sheet.

If you have any problems or suggestions, you can contact me at:

jackkarnes@mindspring.com

More files can be found on my web site:

http://www.mindspring.com/~jackkarnes
Record button.

e Create Trip Expense Workbook

ommend creating a separate file.

he "Expense Dialog Box" will appear with

to create a new expense sheet that will be
your workbook. Therefore, you will usually
an existing worksheet.

eral small reports on one page, this box should be checked.

ling on an existing sheet, the selection should be "1".

u think will be required, but 40 rows

r a 8-1/2X11 page. Forty is the default selection.

w worksheet.

t is probably a good idea to date each sheet.

d, when you are installing on an existing worksheet.

are installing on a worksheet in a workbook.

selected, but may be changed by checking the

thout spaces. Example: England_96.

 of your worksheet. "_Exp" will automatically be added)

if desired. (Typically for travel agents.)

ental agency, etc.

ification purposes.

ed until the last entry.

otals in the

enses are added.

lso deletes the

ct, Expand, and
pense Sheet is completed.
n should be used before a

xpense sheet.
e with the columns closed.

r the various entries.

without using the Entry button.

rrency factors for use with the

. Ten countries and factors have
nt. They can be easily updated or
 actors can be found in the Business
o dollars factor. Countries can be
ck the Save box to save changes.

rk for converting foreign currencies

g box, select the country, and then

R button, except it enters the result

et. It will take the figure entered
place the result in the Amount column

ort reports that can be placed on

Buttons" box, and enter 1 in the
ox, and check the Date box,
ense Sheet. Those selections are

cked (marked X) on the first expense

eet. Additional expense sheets on the
uire buttons.
pense sheets on a single worksheet,
be fixed before the next expense sheet
ot check the Delete Top Row of Buttons
on dialog box until the last expense

e for explanation of buttons.

rrency factors for use with the

s on the Trip Expense Sheet.

rk for converting foreign currencies

g box, select the country, and then
n. The same button as on the