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| Preface | |
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| Acknowledgments | |
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| List of Abbreviations | |
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| Background Mathematics | |
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| Arithmetic, Notation, and Formulas | |
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| Minus (Negative) Signs | |
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| Lists and Subscripted Variables | |
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| Changes | |
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| Exponents | |
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| Summations | |
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| Graphs and Charts | |
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| Approximations | |
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| Rates-Average and Instantaneous | |
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| Inequalities and Ranges of Numbers | |
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| Problems | |
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| Compound Interest | |
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| Some Mathematics | |
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| My Website Spreadsheet | |
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| Online Calculators | |
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| Scaling | |
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| Proration-Working Inside a Compounding Interval | |
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| Initial Charges and Effective Interest Rate | |
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| In the Limit-Continuous Compounding | |
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| Problems | |
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| Loan Amortization and Savings | |
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| Loans | |
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| Calculating the Payment Amount | |
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| Paying off a Loan Very Slowly | |
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| My Website Spreadsheet | |
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| A Note About Total Interest for a Year | |
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| Online Calculators | |
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| Loans with First Payment Due Immediately | |
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| Irregular Payments | |
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| Regular Savings | |
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| Problems | |
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| Mortgages | |
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| Online Calculators | |
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| Fixed Rate Mortgages | |
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| Adjustable Rate Mortgages (ARMs) | |
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| Balloon Loans | |
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| Up-Front Costs | |
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| Problems | |
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| Prepayment Penalties | |
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| Rule of 78 | |
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| Other Prepayment Penalties | |
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| Problems | |
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| Credit Cards | |
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| Credit Card Statements | |
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| Transfers | |
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| Payment Allocation | |
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| Daily Balance | |
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| Some Calculation Examples | |
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| Grace Period | |
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| Changing Interest Rates | |
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| A Bankruptcy Spiral | |
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| Minimum Payment | |
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| Other Interest Calculation Approaches | |
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| Debit Cards-Something Completely Different | |
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| Problems | |
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| Present Value | |
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| Online Calculators | |
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| Doing It with My Spreadsheet | |
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| The Effect of Interest Rates on Present Value Calculations | |
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| Why This All Matters | |
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| A Very Involved Example: Writing Your Own Spreadsheet | |
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| Future Value | |
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| Present Value of Prepayment Penalties | |
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| Problems | |
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| Comparing Loans | |
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| Up-Front Costs | |
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| Adjustable Rate Mortgages (ARMs) | |
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| A Few Last Words | |
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| Problems | |
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| Taxation and Inflation | |
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| Understanding Personal Federal Income Tax Rates | |
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| Online Tax Calculators | |
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| Taxation of Earned Interest | |
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| Deductible Interest | |
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| Deferred Taxation Savings | |
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| Online Deferred Taxation Plan Calculators | |
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| Inflation | |
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| Problems | |
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| Life Insurance | |
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| What Is an Insurance Policy? | |
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| Probability | |
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| Introduction to the Life Tables | |
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| Expected Values | |
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| Term Insurance | |
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| Time Payments | |
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| Decreasing Term Insurance | |
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| Insurance for the Rest of Your Life | |
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| Whole Life Insurance | |
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| Breaking Down the Year | |
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| Problems | |
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| Annuities | |
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| A Benchmark Savings Plan | |
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| Immediate Annuity with Period Certain | |
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| Deferred Annuities | |
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| Life Annuities | |
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| Payments for Couples | |
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| Online Calculators | |
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| Variable Annuities | |
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| Problems | |
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| Reverse Mortgages and Viatical Settlements | |
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| Reverse Mortgages | |
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| Viatical Settlements | |
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| Problems | |
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| Investing: Risk versus Reward | |
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| Stocks | |
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| Portfolios | |
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| Calculators | |
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| Dollar Cost Averaging | |
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| Short Sales | |
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| Stock Dividends | |
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| Bonds | |
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| Options | |
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| Online Calculators and Listings | |
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| Ponzi Schemes and Other Scams | |
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| Problems | |
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| Reference | |
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| Gambling | |
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| Probability and Odds | |
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| Probability and Expected Return | |
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| Pari-Mutuel Betting | |
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| Problems | |
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| Spreadsheet Calculators | |
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| Introduction to the Spreadsheets | |
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| Some Programming Notes | |
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| Solutions | |
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| Chapter 1 | |
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| Chapter 2 | |
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| Chapter 3 | |
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| Chapter 4 | |
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| Chapter 5 | |
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| Chapter 6 | |
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| Chapter 7 | |
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| Chapter 8 | |
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| Chapter 9 | |
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| Chapter 10 | |
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| Chapter 11 | |
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| Chapter 12 | |
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| Chapter 13 | |
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| Chapter 14 | |
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| Index | |