Contents    5 
Forecasting........................................................................................................................74
 
Simple Moving Average ...............................................................................................74 
Seasonal Variation Factors Based on Centered Moving Averages ...............................78 
Gompertz Curve Trend Analysis...................................................................................83 
Forecasting with Exponential Smoothing .....................................................................87 
 
Pricing Calculations..........................................................................................................92
 
Markup and Margin Calculations..................................................................................92 
Calculations of List and Net prices With Discounts......................................................95 
 
Statistics............................................................................................................................98
 
Curve Fitting.................................................................................................................98 
Exponential Curve Fit ...............................................................................................98 
Logarithmic Curve Fit.............................................................................................102 
Power Curve Fit ......................................................................................................104 
Standard Error of the Mean.........................................................................................105 
Mean, Standard Deviation, Standard Error for Grouped Data ....................................106 
Chi-Square Statistics...................................................................................................109 
Normal Distribution ....................................................................................................112 
Covariance ..................................................................................................................114 
Permutations ...............................................................................................................116 
Combinations ..............................................................................................................117 
Random Number Generator ........................................................................................119 
 
Personal Finance .............................................................................................................121
 
Homeowners Monthly Payment Estimator .................................................................121 
Tax-Free Individual Retirement (IRA) or Keogh Plan................................................124 
Stock Portfolio Evaluation and Analysis.....................................................................127 
 
Canadian Mortgages .......................................................................................................131 
Periodic Payment Amount ..........................................................................................131 
Number of Periodic Payments to Fully Amortize a Mortgage ....................................132 
Effective Interest Rate (Yield) ....................................................................................132 
Balance Remaining at End of Specified Period...........................................................132 
 
Miscellaneous .................................................................................................................134 
Learning Curve for Manufacturing Costs ...................................................................134 
Queuing and Waiting Theory......................................................................................138 
 
Appendix A : Programs from Part III of the Owner's Handbook ....................................145 
About this Appendix ...................................................................................................145 
Algebraic Mode Programs ..........................................................................................146 
Section 12: The Rent or Buy Decision....................................................................146 
Section 13: Straight-Line Depreciation...................................................................147 
Section 13: Declining-Balance Depreciation ..........................................................148 
Section 13: Sum-of-the-Years-Digits Depreciation.................................................149 
Section 13: Full- and Partial- Year Depreciation with Crossover ...........................150 
Section 14: Lease with Advance Payments - Solving For Payment........................151 
Section 14: Lease with Advance Payments - Solving For Yield.............................151 
Section 14: Advance Payments With Residual - Solving for Payment ...................152