Name DOB Phone Email

Name1 2/12/1987 794-574-6737 VUW@gmail.com

Name2 2/12/1988 771-456-6200 ZNP@gmail.com
Name3 2/12/1989 714-651-7688 BHT@gmail.com
Name4 2/12/1990 688-596-5144 LFN@gmail.com
Name5 2/12/1991 989-628-1320 BZN@gmail.com
Name6 2/12/1992 869-698-7025 JUJ@gmail.com
Name7 2/12/1993 761-254-3329 JQC@gmail.com
Name8 2/12/2010 717-324-9836 JID@gmail.com

Name DOB Phone Email

Name9
Name DOB Phone Email Sales
Name1 2/12/1987 794-574-6737 VUW@gmail.com 3
Name2 2/12/1988 771-456-6200 ZNP@gmail.com 4
Name3 2/12/1989 714-651-7688 BHT@gmail.com 4
Name4 2/12/1990 688-596-5144 LFN@gmail.com 4
Name5 2/12/1991 989-628-1320 BZN@gmail.com 4
Name6 2/12/1992 869-698-7025 JUJ@gmail.com 4
Name7 2/12/1993 761-254-3329 JQC@gmail.com 45
Name8 2/12/2010 717-324-9836 JID@gmail.com 3
Name9 2/13/2010 717-324-9837 JID@gmail.com 4

Name DOB Phone Email Sales

Name9 2/13/2010 717-324-9837 JID@gmail.com 4
2/13/2010 717-324-9837 JID@gmail.com 4
1) Ctrl + F3 to open Defined Name / Name Manager dialog box
2) F3 to Paste Name

VLOOKUP takes lookup_value and looks through the first column of the
lookup_table and when it finds a match (Exact Match = 0), it moves a
number of columns to the right and retrieves the values and returns it to the
3) cell.
MATCH function tells you the relative position of an item in a list. This is
4) perfect for the column_num argument in VLOOKUP

OFFSET function defines a dynamic range if you:

1) tell it the cell to start in
2) tell it how far from the start cell to move up or down (if you leave this
argument blank it equals 0 (zer0))
3) tell it how far from the start cell to move left to right (if you leave this
argument blank it equals 0 (zer0))
4) how tall is range (if you leave this argument blank it equals 1 )
5) 5) 4) how wide is range (if you leave this argument blank it equals 1 )
6) COUNTA counts non-empty cells
IFERROR is a new function in Excel 2007 that puts something in a cell if the
7) formula comes out to an error.
8) "" (double quotes) means blank
Name DOB Phone Email
Name1 2/12/1987 794-574-6737 VUW@gmail.com
Name2 2/12/1988 771-456-6200 ZNP@gmail.com
Name3 2/12/1989 714-651-7688 BHT@gmail.com
Name4 2/12/1990 688-596-5144 LFN@gmail.com
Name5 2/12/1991 989-628-1320 BZN@gmail.com
Name6 2/12/1992 869-698-7025 JUJ@gmail.com
Name7 2/12/1993 761-254-3329 JQC@gmail.com
Name8 2/12/2010 717-324-9836 JID@gmail.com

8
Name DOB Phone Email Sales
Name1 2/12/1987 794-574-6737 VUW@gmail.com 2
Name2 2/12/1988 771-456-6200 ZNP@gmail.com 2
Name3 2/12/1989 714-651-7688 BHT@gmail.com 2
Name4 2/12/1990 688-596-5144 LFN@gmail.com 2
Name5 2/12/1991 989-628-1320 BZN@gmail.com 2
Name6 2/12/1992 869-698-7025 JUJ@gmail.com 2
Name7 2/12/1993 761-254-3329 JQC@gmail.com 2
Name8 2/12/2010 717-324-9836 JID@gmail.com 2
Name9 12/31/1899 1 1 1
Name DOB Phone Email Sales
Name9 ### 1 1 1
### 1 1 1
1) Excel 2007 Table feature has a new Formula Nomenclature.
2) More about Excel 2007 / 2010 Table feature:
3) Ctrl + T converts a data set (Field names in first row, records in rows) to a Table.
4) The ribbon method to create a table is Insert ribbon, Table group, Table icon.
If your Cursor is in the table, a context sensitive ribbon will appear called "Table Tools Design". You can format the table
5) change the table name using this ribbon
Once you type the table name in your formula nd then a square bracket " [ ", a drop down list will offer field names and o
6) options such as #Headers
VLOOKUP takes lookup_value and looks through the first column of the lookup_table and when it finds a match (Exact Ma
3) = 0), it moves a number of columns to the right and retrieves the values and returns it to the cell.

4) MATCH function tells you the relative position of an item in a list. This is perfect for the column_num argument in VLOOK
6) COUNTA counts non-empty cells
7) IFERROR is a new function in Excel 2007 that puts something in a cell if the formula comes out to an error.
8) "" (double quotes) means blank
If you are using Table Nomenclature with Data Validation List, you have to place table nomenclature in quotes and place
9) into INDIRECT function.
 Highline Excel Class 15: Excel 2007 Tables 7 Examples
a Table. Excel Magic Trick #200: 2007 Table Formula Nomenclature
le icon.
". You can format the table and

will offer field names and other

en it finds a match (Exact Match

urns it to the cell.

mn_num argument in VLOOKUP

comes out to an error.

clature in quotes and place that

 PMT means periodic payment (same amount each period)
PMT function calculates the period payment for a loan (For the Borrower or the Lender). The Amount
of each PMT must be the same and the time between each PMT must be the same.
Cash Flow matters in Finance. Cash going out of the wallet is negative. Cash coming into the wallet is
positive.
For the borrow the PV is positive, the PMT is negative, and the FV is negative. For the Lender the PV
is negative, the PMT is positive, and the FV is positive.
Be consistent with your unit of time! If you are calculating monthly payment, you need monthly
interest rate and total number of months! (The period can be monthly, quarterly, yearly or any other
length).
=PMT(rate = period rate, nper = total number of periods, pv means amount invested or lent out
today, fv means amount received after all the periods have elapsed or amount paid after all the
periods have elapsed, type refers to the PMT: PMT at end of period = 0, PMT at beginning of period =
1)

Periods Total
Years Rate per year Periods Period Rate
30 0.0975 12 360 0.008125

Principal
Period PMT Interest Paid Balance
100,000.00
 PMT means periodic payment (same amount each period)
PMT function calculates the period payment for a loan (For the Borrower or the Lender). The Amount
of each PMT must be the same and the time between each PMT must be the same.
Cash Flow matters in Finance. Cash going out of the wallet is negative. Cash coming into the wallet is
positive.
For the borrow the PV is positive, the PMT is negative, and the FV is negative. For the Lender the PV
is negative, the PMT is positive, and the FV is positive.
Be consistent with your unit of time! If you are calculating monthly payment, you need monthly
interest rate and total number of months! (The period can be monthly, quarterly, yearly or any other
length).
=PMT(rate = period rate, nper = total number of periods, pv means amount invested or lent out
today, fv means amount received after all the periods have elapsed or amount paid after all the
periods have elapsed, type refers to the PMT: PMT at end of period = 0, PMT at beginning of period =
1)

Periods Total
Years Rate per year Periods Period Rate
30 0.0975 12 360 0.008125

Principal
Period PMT Interest Paid Balance
0 100,000.00
1 859.15 812.50 46.65 99,953.35
2 859.15 812.12 47.03 99,906.31
3 859.15 811.74 47.42 99,858.90
4 859.15 811.35 47.80 99,811.10
5 859.15 810.97 48.19 99,762.91
6 859.15 810.57 48.58 99,714.33
7 859.15 810.18 48.98 99,665.35
8 859.15 809.78 49.37 99,615.98
9 859.15 809.38 49.77 99,566.20
10 859.15 808.98 50.18 99,516.02
11 859.15 808.57 50.59 99,465.44
12 859.15 808.16 51.00 99,414.44
13 859.15 807.74 51.41 99,363.03
14 859.15 807.32 51.83 99,311.20
15 859.15 806.90 52.25 99,258.95
16 859.15 806.48 52.68 99,206.27
17 859.15 806.05 53.10 99,153.17
18 859.15 805.62 53.53 99,099.63
19 859.15 805.18 53.97 99,045.66
20 859.15 804.75 54.41 98,991.25
21 859.15 804.30 54.85 98,936.40
22 859.15 803.86 55.30 98,881.11
23 859.15 803.41 55.75 98,825.36
24 859.15 802.96 56.20 98,769.16
25 859.15 802.50 56.65 98,712.51
26 859.15 802.04 57.12 98,655.39
27 859.15 801.58 57.58 98,597.81
28 859.15 801.11 58.05 98,539.77
29 859.15 800.64 58.52 98,481.25
30 859.15 800.16 58.99 98,422.25
31 859.15 799.68 59.47 98,362.78
32 859.15 799.20 59.96 98,302.82
33 859.15 798.71 60.44 98,242.38
34 859.15 798.22 60.94 98,181.44
35 859.15 797.72 61.43 98,120.01
36 859.15 797.23 61.93 98,058.08
37 859.15 796.72 62.43 97,995.65
38 859.15 796.21 62.94 97,932.71
39 859.15 795.70 63.45 97,869.26
40 859.15 795.19 63.97 97,805.29
41 859.15 794.67 64.49 97,740.81
42 859.15 794.14 65.01 97,675.80
43 859.15 793.62 65.54 97,610.26
44 859.15 793.08 66.07 97,544.19
45 859.15 792.55 66.61 97,477.58
46 859.15 792.01 67.15 97,410.43
47 859.15 791.46 67.69 97,342.74
48 859.15 790.91 68.24 97,274.49
49 859.15 790.36 68.80 97,205.69
50 859.15 789.80 69.36 97,136.33
51 859.15 789.23 69.92 97,066.41
52 859.15 788.66 70.49 96,995.92
53 859.15 788.09 71.06 96,924.86
54 859.15 787.51 71.64 96,853.22
55 859.15 786.93 72.22 96,781.00
56 859.15 786.35 72.81 96,708.19
57 859.15 785.75 73.40 96,634.79
58 859.15 785.16 74.00 96,560.79
59 859.15 784.56 74.60 96,486.19
60 859.15 783.95 75.20 96,410.99
61 859.15 783.34 75.82 96,335.18
62 859.15 782.72 76.43 96,258.74
63 859.15 782.10 77.05 96,181.69
64 859.15 781.48 77.68 96,104.01
65 859.15 780.85 78.31 96,025.70
66 859.15 780.21 78.95 95,946.76
67 859.15 779.57 79.59 95,867.17
68 859.15 778.92 80.23 95,786.94
69 859.15 778.27 80.89 95,706.05
70 859.15 777.61 81.54 95,624.51
 71 859.15 776.95 82.21 95,542.30
72 859.15 776.28 82.87 95,459.43
73 859.15 775.61 83.55 95,375.88
74 859.15 774.93 84.23 95,291.66
75 859.15 774.24 84.91 95,206.75
76 859.15 773.55 85.60 95,121.15
77 859.15 772.86 86.30 95,034.86
78 859.15 772.16 87.00 94,947.86
79 859.15 771.45 87.70 94,860.16
80 859.15 770.74 88.42 94,771.74
81 859.15 770.02 89.13 94,682.61
82 859.15 769.30 89.86 94,592.75
83 859.15 768.57 90.59 94,502.16
84 859.15 767.83 91.32 94,410.84
85 859.15 767.09 92.07 94,318.77
86 859.15 766.34 92.81 94,225.95
87 859.15 765.59 93.57 94,132.39
88 859.15 764.83 94.33 94,038.06
89 859.15 764.06 95.10 93,942.96
90 859.15 763.29 95.87 93,847.09
91 859.15 762.51 96.65 93,750.45
92 859.15 761.72 97.43 93,653.02
93 859.15 760.93 98.22 93,554.79
94 859.15 760.13 99.02 93,455.77
95 859.15 759.33 99.83 93,355.94
96 859.15 758.52 100.64 93,255.31
97 859.15 757.70 101.46 93,153.85
98 859.15 756.88 102.28 93,051.57
99 859.15 756.04 103.11 92,948.46
100 859.15 755.21 103.95 92,844.51
101 859.15 754.36 104.79 92,739.72
102 859.15 753.51 105.64 92,634.08
103 859.15 752.65 106.50 92,527.57
104 859.15 751.79 107.37 92,420.21
105 859.15 750.91 108.24 92,311.97
106 859.15 750.03 109.12 92,202.85
107 859.15 749.15 110.01 92,092.84
108 859.15 748.25 110.90 91,981.94
109 859.15 747.35 111.80 91,870.14
110 859.15 746.44 112.71 91,757.43
111 859.15 745.53 113.63 91,643.80
112 859.15 744.61 114.55 91,529.26
113 859.15 743.68 115.48 91,413.78
114 859.15 742.74 116.42 91,297.36
115 859.15 741.79 117.36 91,180.00
116 859.15 740.84 118.32 91,061.68
117 859.15 739.88 119.28 90,942.40
118 859.15 738.91 120.25 90,822.15
119 859.15 737.93 121.22 90,700.93
120 859.15 736.95 122.21 90,578.72
121 859.15 735.95 123.20 90,455.52
122 859.15 734.95 124.20 90,331.31
123 859.15 733.94 125.21 90,206.10
124 859.15 732.92 126.23 90,079.87
125 859.15 731.90 127.26 89,952.62
126 859.15 730.87 128.29 89,824.33
127 859.15 729.82 129.33 89,694.99
128 859.15 728.77 130.38 89,564.61
129 859.15 727.71 131.44 89,433.17
130 859.15 726.64 132.51 89,300.66
131 859.15 725.57 133.59 89,167.07
132 859.15 724.48 134.67 89,032.40
133 859.15 723.39 135.77 88,896.64
134 859.15 722.29 136.87 88,759.77
135 859.15 721.17 137.98 88,621.78
136 859.15 720.05 139.10 88,482.68
137 859.15 718.92 140.23 88,342.45
138 859.15 717.78 141.37 88,201.08
139 859.15 716.63 142.52 88,058.56
140 859.15 715.48 143.68 87,914.88
141 859.15 714.31 144.85 87,770.03
142 859.15 713.13 146.02 87,624.01
143 859.15 711.95 147.21 87,476.80
144 859.15 710.75 148.41 87,328.39
145 859.15 709.54 149.61 87,178.78
146 859.15 708.33 150.83 87,027.96
147 859.15 707.10 152.05 86,875.90
148 859.15 705.87 153.29 86,722.62
149 859.15 704.62 154.53 86,568.08
150 859.15 703.37 155.79 86,412.29
151 859.15 702.10 157.05 86,255.24
152 859.15 700.82 158.33 86,096.91
153 859.15 699.54 159.62 85,937.29
154 859.15 698.24 160.91 85,776.38
155 859.15 696.93 162.22 85,614.16
156 859.15 695.62 163.54 85,450.62
157 859.15 694.29 164.87 85,285.75
158 859.15 692.95 166.21 85,119.54
159 859.15 691.60 167.56 84,951.98
160 859.15 690.23 168.92 84,783.06
161 859.15 688.86 170.29 84,612.77
162 859.15 687.48 171.68 84,441.10
163 859.15 686.08 173.07 84,268.03
164 859.15 684.68 174.48 84,093.55
165 859.15 683.26 175.89 83,917.66
166 859.15 681.83 177.32 83,740.33
167 859.15 680.39 178.76 83,561.57
168 859.15 678.94 180.22 83,381.35
169 859.15 677.47 181.68 83,199.67
170 859.15 676.00 183.16 83,016.51
171 859.15 674.51 184.65 82,831.87
172 859.15 673.01 186.15 82,645.72
173 859.15 671.50 187.66 82,458.06
174 859.15 669.97 189.18 82,268.88
175 859.15 668.43 190.72 82,078.16
176 859.15 666.89 192.27 81,885.89
177 859.15 665.32 193.83 81,692.06
178 859.15 663.75 195.41 81,496.65
179 859.15 662.16 196.99 81,299.66
180 859.15 660.56 198.59 81,101.07
181 859.15 658.95 200.21 80,900.86
182 859.15 657.32 201.83 80,699.02
183 859.15 655.68 203.47 80,495.55
184 859.15 654.03 205.13 80,290.42
185 859.15 652.36 206.79 80,083.63
186 859.15 650.68 208.47 79,875.15
187 859.15 648.99 210.17 79,664.98
188 859.15 647.28 211.88 79,453.10
189 859.15 645.56 213.60 79,239.51
190 859.15 643.82 215.33 79,024.17
191 859.15 642.07 217.08 78,807.09
192 859.15 640.31 218.85 78,588.24
193 859.15 638.53 220.62 78,367.62
194 859.15 636.74 222.42 78,145.20
195 859.15 634.93 224.22 77,920.98
196 859.15 633.11 226.05 77,694.93
197 859.15 631.27 227.88 77,467.05
198 859.15 629.42 229.73 77,237.31
199 859.15 627.55 231.60 77,005.71
200 859.15 625.67 233.48 76,772.23
201 859.15 623.77 235.38 76,536.85
202 859.15 621.86 237.29 76,299.56
203 859.15 619.93 239.22 76,060.33
204 859.15 617.99 241.16 75,819.17
205 859.15 616.03 243.12 75,576.05
206 859.15 614.06 245.10 75,330.95
207 859.15 612.06 247.09 75,083.86
208 859.15 610.06 249.10 74,834.76
209 859.15 608.03 251.12 74,583.64
210 859.15 605.99 253.16 74,330.48
211 859.15 603.94 255.22 74,075.26
212 859.15 601.86 257.29 73,817.96
213 859.15 599.77 259.38 73,558.58
214 859.15 597.66 261.49 73,297.09
215 859.15 595.54 263.62 73,033.47
216 859.15 593.40 265.76 72,767.72
217 859.15 591.24 267.92 72,499.80
218 859.15 589.06 270.09 72,229.71
219 859.15 586.87 272.29 71,957.42
220 859.15 584.65 274.50 71,682.92
221 859.15 582.42 276.73 71,406.19
222 859.15 580.18 278.98 71,127.21
223 859.15 577.91 281.25 70,845.96
224 859.15 575.62 283.53 70,562.43
225 859.15 573.32 285.83 70,276.60
226 859.15 571.00 288.16 69,988.44
227 859.15 568.66 290.50 69,697.94
228 859.15 566.30 292.86 69,405.08
229 859.15 563.92 295.24 69,109.84
230 859.15 561.52 297.64 68,812.21
231 859.15 559.10 300.06 68,512.15
232 859.15 556.66 302.49 68,209.66
233 859.15 554.20 304.95 67,904.71
234 859.15 551.73 307.43 67,597.28
235 859.15 549.23 309.93 67,287.35
236 859.15 546.71 312.44 66,974.91
237 859.15 544.17 314.98 66,659.92
238 859.15 541.61 317.54 66,342.38
239 859.15 539.03 320.12 66,022.26
240 859.15 536.43 322.72 65,699.54
241 859.15 533.81 325.35 65,374.19
242 859.15 531.17 327.99 65,046.20
243 859.15 528.50 330.65 64,715.55
244 859.15 525.81 333.34 64,382.21
245 859.15 523.11 336.05 64,046.16
246 859.15 520.38 338.78 63,707.38
247 859.15 517.62 341.53 63,365.85
248 859.15 514.85 344.31 63,021.54
249 859.15 512.05 347.10 62,674.43
250 859.15 509.23 349.92 62,324.51
251 859.15 506.39 352.77 61,971.74
252 859.15 503.52 355.63 61,616.11
253 859.15 500.63 358.52 61,257.58
254 859.15 497.72 361.44 60,896.15
255 859.15 494.78 364.37 60,531.77
256 859.15 491.82 367.33 60,164.44
257 859.15 488.84 370.32 59,794.12
258 859.15 485.83 373.33 59,420.80
259 859.15 482.79 376.36 59,044.43
260 859.15 479.74 379.42 58,665.02
261 859.15 476.65 382.50 58,282.52
262 859.15 473.55 385.61 57,896.91
263 859.15 470.41 388.74 57,508.16
264 859.15 467.25 391.90 57,116.26
265 859.15 464.07 395.08 56,721.18
266 859.15 460.86 398.29 56,322.88
267 859.15 457.62 401.53 55,921.35
268 859.15 454.36 404.79 55,516.56
269 859.15 451.07 408.08 55,108.48
270 859.15 447.76 411.40 54,697.08
271 859.15 444.41 414.74 54,282.34
272 859.15 441.04 418.11 53,864.23
273 859.15 437.65 421.51 53,442.72
274 859.15 434.22 424.93 53,017.79
275 859.15 430.77 428.38 52,589.40
276 859.15 427.29 431.87 52,157.54
277 859.15 423.78 435.37 51,722.16
278 859.15 420.24 438.91 51,283.25
279 859.15 416.68 442.48 50,840.77
280 859.15 413.08 446.07 50,394.70
281 859.15 409.46 449.70 49,945.00
282 859.15 405.80 453.35 49,491.65
283 859.15 402.12 457.03 49,034.62
284 859.15 398.41 460.75 48,573.87
285 859.15 394.66 464.49 48,109.38
286 859.15 390.89 468.27 47,641.11
287 859.15 387.08 472.07 47,169.04
288 859.15 383.25 475.91 46,693.13
289 859.15 379.38 479.77 46,213.36
290 859.15 375.48 483.67 45,729.69
291 859.15 371.55 487.60 45,242.09
292 859.15 367.59 491.56 44,750.53
293 859.15 363.60 495.56 44,254.97
294 859.15 359.57 499.58 43,755.39
295 859.15 355.51 503.64 43,251.75
296 859.15 351.42 507.73 42,744.01
297 859.15 347.30 511.86 42,232.15
298 859.15 343.14 516.02 41,716.14
299 859.15 338.94 520.21 41,195.93
300 859.15 334.72 524.44 40,671.49
301 859.15 330.46 528.70 40,142.79
302 859.15 326.16 532.99 39,609.79
303 859.15 321.83 537.32 39,072.47
304 859.15 317.46 541.69 38,530.78
305 859.15 313.06 546.09 37,984.69
306 859.15 308.63 550.53 37,434.16
307 859.15 304.15 555.00 36,879.16
308 859.15 299.64 559.51 36,319.65
309 859.15 295.10 564.06 35,755.59
310 859.15 290.51 568.64 35,186.95
311 859.15 285.89 573.26 34,613.69
312 859.15 281.24 577.92 34,035.77
313 859.15 276.54 582.61 33,453.16
314 859.15 271.81 587.35 32,865.81
315 859.15 267.03 592.12 32,273.69
316 859.15 262.22 596.93 31,676.76
317 859.15 257.37 601.78 31,074.98
318 859.15 252.48 606.67 30,468.31
319 859.15 247.55 611.60 29,856.71
320 859.15 242.59 616.57 29,240.14
321 859.15 237.58 621.58 28,618.56
322 859.15 232.53 626.63 27,991.93
323 859.15 227.43 631.72 27,360.21
324 859.15 222.30 636.85 26,723.36
325 859.15 217.13 642.03 26,081.33
326 859.15 211.91 647.24 25,434.09
327 859.15 206.65 652.50 24,781.59
328 859.15 201.35 657.80 24,123.78
329 859.15 196.01 663.15 23,460.63
330 859.15 190.62 668.54 22,792.10
331 859.15 185.19 673.97 22,118.13
332 859.15 179.71 679.44 21,438.68
333 859.15 174.19 684.97 20,753.72
334 859.15 168.62 690.53 20,063.19
335 859.15 163.01 696.14 19,367.05
336 859.15 157.36 701.80 18,665.25
337 859.15 151.66 707.50 17,957.75
338 859.15 145.91 713.25 17,244.50
339 859.15 140.11 719.04 16,525.46
340 859.15 134.27 724.89 15,800.57
341 859.15 128.38 730.77 15,069.80
342 859.15 122.44 736.71 14,333.09
343 859.15 116.46 742.70 13,590.39
344 859.15 110.42 748.73 12,841.66
345 859.15 104.34 754.82 12,086.84
346 859.15 98.21 760.95 11,325.89
347 859.15 92.02 767.13 10,558.76
348 859.15 85.79 773.36 9,785.40
349 859.15 79.51 779.65 9,005.75
350 859.15 73.17 785.98 8,219.77
351 859.15 66.79 792.37 7,427.40
352 859.15 60.35 798.81 6,628.59
353 859.15 53.86 805.30 5,823.29
354 859.15 47.31 811.84 5,011.45
355 859.15 40.72 818.44 4,193.02
356 859.15 34.07 825.09 3,367.93
357 859.15 27.36 831.79 2,536.14
358 859.15 20.61 838.55 1,697.59
359 859.15 13.79 845.36 852.23
360 859.15 6.92 852.23 -0.00
 SUBSTITUTE function looks at text, finds old_text (a string of characters) , and replaces it with new_te
nest SUBSTITUTES to replace multiple characters. SUBSTITUTE is different from REPLACE in that it lo
actual text (a string of characters) and replaces it, whereas REPLACE looks at a position and a num
1) characters from that position to determine what to replace.
2) TRIM removes all spaces except single spaces between words
3) LEFT takes a given number of characters from the left.
FIND tells you position of character in text string. For example FIND("i","Tim") = 2 because "i" is the
4) character in "Tim".
5) RIGHT takes a given number of characters from the left.

If you tell REPLACE what position to start at and how many characters from that position to move, it
that text with some text that you specify. SUBSTITUTE is different from REPLACE in that it looks for a
(a string of characters) and replaces it, whereas REPLACE looks at a position and a number of charac
6) that position to determine what to replace.
7) Ctrl + H is for Replace
8) Text To Columns - Delimited means a certain character is between words.

Names Replace "-", ".", "," with spaces First Middle Last
Mike J Hunter
Norman-Price Smith
Harry. Redknapp
Prince-H, Hughes

Mike J Hunter
Norman-Price Smith
Harry. Redknapp
Prince-H, Hughes

Mike J Hunter
Norman-Price Smith
Harry. Redknapp
Prince-H, Hughes
and replaces it with new_text. You can
ent from REPLACE in that it looks for
ooks at a position and a number of
t to replace.
tween words
m the left.
"Tim") = 2 because "i" is the second

m the left.

om that position to move, it replaces

REPLACE in that it looks for actual text
tion and a number of characters from
ace.

r is between words.
 SUBSTITUTE function looks at text, finds old_text (a string of characters) , and replaces it with new_te
nest SUBSTITUTES to replace multiple characters. SUBSTITUTE is different from REPLACE in that it lo
actual text (a string of characters) and replaces it, whereas REPLACE looks at a position and a num
1) characters from that position to determine what to replace.
2) TRIM removes all spaces except single spaces between words
3) LEFT takes a given number of characters from the left.
FIND tells you position of character in text string. For example FIND("i","Tim") = 2 because "i" is the
4) character in "Tim".
5) RIGHT takes a given number of characters from the left.

If you tell REPLACE what position to start at and how many characters from that position to move, it
that text with some text that you specify. SUBSTITUTE is different from REPLACE in that it looks for a
(a string of characters) and replaces it, whereas REPLACE looks at a position and a number of charac
6) that position to determine what to replace.
7) Ctrl + H is for Replace
8) Text To Columns - Delimited means a certain character is between words.

Names Replace "-", ".", "," with spaces First Middle Last
Mike J Hunter Mike J Hunter Mike J Hunter
Norman-Price Smith Norman Price Smith Norman Price Smith
Harry. R Redknapp Harry R Redknapp Harry R Redknapp
Prince-H, Hughes Prince H Hughes Prince H Hughes

Mike J Hunter
Norman Price Smith
Harry R Redknapp
Prince H Hughes

Mike J Hunter
Norman Price Smith
Harry. R Redknapp
Prince H Hughes

Mike J Hunter
Norman Price Smith
Harry R Redknapp
Prince H Hughes
and replaces it with new_text. You can
ent from REPLACE in that it looks for
ooks at a position and a number of
t to replace.
tween words
m the left.
"Tim") = 2 because "i" is the second

m the left.

om that position to move, it replaces

REPLACE in that it looks for actual text
tion and a number of characters from
ace.

r is between words.
1)
2)
3)
4)
5)

Frugal Bargain Hunters: Series Discounts to Calculate Total Savings.

% Series Discount Percent Paid

(Each one is a $ (Net Cost
Item Net Cost single Discount) Discount Equivalent)
Kids Car Bed Cost = $279.99

1st Dollar Discount (In Store Sale) $25.00

Sale % Discount 25.000%
Credit Card Use Discount 10.000%
2nd Dollar Discount (Refund for
late delivery) $45.00

Complement Method
Percent Paid (Net Cost Equivalent)
for Series Discount = 0
% Discount Not correct
Net Cost $98.00

Can't Just add Single Discounts

from a Series Discount 35.000%
Net Cost
1)
2)
3)
4)
5)

Frugal Bargain Hunters: Series Discounts to Calculate Total Savings.

% Series Discount Percent Paid

(Each one is a $ (Net Cost
Item Net Cost single Discount) Discount Equivalent)
Kids Car Bed Cost = $279.99

1st Dollar Discount (In Store Sale) $254.99 8.929% $25.00 91.071%
Sale % Discount $191.24 25.000% $63.75 75.000%
Credit Card Use Discount $172.12 10.000% $19.12 90.000%
2nd Dollar Discount (Refund for
late delivery) $127.12 26.145% $45.00 73.855%

Complement Method
Percent Paid (Net Cost Equivalent)
for Series Discount = 45% 0.454009964642
% Discount 55% Not correct
Net Cost $127.12 $196.20

Can't Just add Single Discounts

from a Series Discount 70.074%
Net Cost

$254.99
$191.24
$172.12

$127.12
 Find the amounts for the following
Example equivalent earnings
Amount
they
Periods per receive
year they are per
Name paid period Yearly Monthly Weekly
Sherry Weekly 656.25 52
Phoung Bi-weekly 550 26
Isaac Semi-monthly 1023 24
Dawndille Monthly 1201 12

1 12 52
 Find the amounts for the following
Example equivalent earnings
Amount
Periods they
per year receive
they are per
Name paid period Yearly Monthly Weekly
Sherry Weekly 656.25 34,125.00 2,843.75 656.25 52
Phoung Bi-weekly 550 14,300.00 1,191.67 275.00 26
Isaac Semi-mont 1023 24,552.00 2,046.00 472.15 24
Dawndille Monthly 1201 14,412.00 1,201.00 277.15 12

1 12 52