This calculator is one of the most popular calculator that you can find in many internet websites either online or in excel file. Any banks or financial institution usually provide this tool in their websites to ease their customers calculating their loan schemes before deciding to make a loan.
Why this calculator is important ? Because of the interest calculation for loan some money from the bank or financial institution is not a simple calculation. Most of the people, like me, in the beginning just knowing that if they loan some money for some period of time, say 5 years, will think that after they pay regularly for 2.5 years, the principal will become half of the money they borrowed. But, the reality is not. They still owe more than half of the money they borrowed. Because the calculation, where it is common in all countries, will make they pay interests first rather than make the principal and interest in equal treatment. And this is some kind of strategy to make they pay their loan until the end. So, you have to carefully calculate and compare any loan schemes before you deciding to have some loan.
Microsoft Excel put many financial formulas in its software. So, you can just use it. And I didn’t anything special in this spreadsheet. I just implement the formula. I made this to teach my nephew who take finance and accounting school on using excel built-in financial formula to help her understanding loan and mortgage concept.
Finally, the UEFA Champions League 2009/2010 participant teams are completed. And all teams already grouped based on the drawing yesterday. It will be interesting to see how AC Milan will handle their former star, Kaka, who are in opponent side, Real Madrid. And it will be exciting to see how Ibrahimovic and Samuel Eto’o who switch team in this season duel in home and away matches between Barcelona, the reigning champion, and Internazionale.
There are plenty surprising transfer moves in this year, and involving many teams that participating in this Champions League. So, watching this season Champions League matches will be very exciting.
I made this Champions League fixtures template because of the tie breaking rules that applied in group phase is much more complex than Euro 2008 tie rules (it is a tempting challenge for me actually), where all teams will play against the same teams twice in home and away matches where away goals are important when teams are sharing the same points.
After finishing the group phases, all teams will be drawed again to find its opponent in the first round knock out phase. There is a rule where every group winner and runner up cannot meet in this round and also teams from the same country also cannot meet in this round.
And after all first round matches are completed and eight winners are revealed, all teams will be drawed again to find its opponent in quarter finals. And drawing for semi finals will be also done here. So, in this time each teams will know clearly who are their opponent in the path to become the champion.
Based on my grocery list template that allow you to select your item to be used as your printable worksheet, I created this metric conversion table that will also allow you to dynamically select your conversion metric item to build your own printable metric conversion table. There are more than 18 categories and 800 conversion pairs available to be chosen for displaying in your printable worksheet. And you can also add unavailable conversion category and item manually in the metric pool worksheet.
This file consists of two worksheets. The first worksheet is the metric pool worksheet where you can select your item by typing “v” next to the conversion item cell. And you can put word “Cat” at the left side of the name that you consider as a category. I put 19 categories, for example weight conversion category, area conversion category, length conversion category etc. You can add manually new category or new items in the category. Use the copy and paste function if you plan to insert the new conversion item. Because if you do the insert function, the excel formula in those cells will be broken.