Documentation Bent Cycling null Author Chelsea Meadows Date Thursday November 5, 2009 Purpose To analyze different investment and loan scenarios Investment Analysis Bent Cycling Savings Proposals &D Bent Cycling Prepared: 11/7/2009 Investment Analysis null null null null null null null null Calculate Initial Investment (PV) Investment Goal (FV) Annual Rate Months per Year Rate per Month (RATE) Months (NPER) Years Monthly Payment (PMT) Monthly Payment (PMT) -400000 1200000 5.2999999999999999E-2 12 4.4166666666666668E-3 18 1.5 -41032.54151289889 Investment Goal (FV) -400000 993780.45562690822 5.2999999999999999E-2 12 4.4166666666666668E-3 18 1.5 -30000 Months (NPER) -400000 1200000 5.2999999999999999E-2 12 4.4166666666666668E-3 23.931661977359809 1.9943051647799841 -30000 Initial Investment (PV) -590493.18086429522 1200000 5.2999999999999999E-2 12 4.4166666666666668E-3 18 1.5 -30000 Rate per Month (RATE) -400000 1200000 0.22953334933040742 12 1.9127779110867285E-2 18 1.5 -30000 Loan Schedule Bent Cycling Loan Proposal &D Bent Cycling Prepared: 11/7/2009 Loan Schedule null null null null null null Loan (PV) Annual Rate Quarters per Year Rate per Quarter (RATE) Quarters (NPER) Years Quarterly Payment (PMT) 1200000 9.5000000000000001E-2 4 2.375E-2 20 5 -76070.575797894358 Amortization Schedule null Year Quarter Remaining Principal Interest Payment Principal Payment Total Payment 1 1 1200000 -28500 -47570.575797894358 -76070.575797894358 1 2 1152429.4242021057 -27370.198824800016 -48700.376973094346 -76070.575797894358 1 3 1103729.0472290113 -26213.564871689025 -49857.01092620533 -76070.575797894358 1 4 1053872.0363028059 -25029.460862191641 -51041.114935702717 -76070.575797894358 2 5 1002830.9213671031 -23817.234382468709 -52253.341415425646 -76070.575797894358 2 6 950577.57995167747 -22576.217523852352 -53494.35827404201 -76070.575797894358 2 7 897083.22167763545 -21305.726514843853 -54764.849283050506 -76070.575797894358 2 8 842318.37239458493 -20005.061344371406 -56065.514453522948 -76070.575797894358 3 9 786252.85794106196 -18673.505376100245 -57397.070421794109 -76070.575797894358 3 10 728855.78751926788 -17310.32495358264 -58760.250844311719 -76070.575797894358 3 11 670095.53667495621 -15914.768996030238 -60155.806801864121 -76070.575797894358 3 12 609939.72987309215 -14486.068584485965 -61584.507213408389 -76070.575797894358 4 13 548355.22265968379 -13023.436538167523 -63047.139259726835 -76070.575797894358 4 14 485308.08339995693 -11526.066980749009 -64544.508817145354 -76070.575797894358 4 15 420763.57458281156 -9993.1348963418059 -66077.44090155256 -76070.575797894358 4 16 354686.133681259 -8423.7956749299319 -67646.780122964425 -76070.575797894358 5 17 287039.35355829459 -6817.1846470095434 -69253.39115088481 -76070.575797894358 5 18 217785.9624074098 -5172.4166071760246 -70898.159190718332 -76070.575797894358 5 19 146887.80321669148 -3488.585326396475 -72581.990471497877 -76070.575797894358 5 20 74305.812745193602 -1764.7630526983951 -74305.812745195959 -76070.575797894358 null null null null Year null null null null Yearly Payments 1 2 3 4 5 Total Interest -107113.22455868068 -87704.239765536331 -66384.667910199089 -42966.434090188268 -17242.949633280437 -321411.51595788478 Principal -197169.07863289677 -216578.0634260411 -237897.63528137835 -261315.86910138919 -287039.35355829698 -1200000.0000000023 Total -304282.30319157743 -304282.30319157743 -304282.30319157743 -304282.30319157743 -304282.30319157743 -1521411.5159578873
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