HP 95LX - Page 50

Using the Built-In 1-2-3 Templates
There are five 1-2-3 templates that come built into your HP 95LX—_CARLOAN,
—_CFLOW, _EXPENSE, _HOMEBUY, and _ STAT. A template is a 1-2-3
worksheet that already has its formulas, macros, labels, and cell formats set up
and ready for you to enter specific data. In general, to use a template:
1. Start 1-2-3 by pressing (123) and, if necessary, save the current file (MENU), (File,
(Slave, (ENTER), (Yes.
2. Retrieve the template: press (MENU), (Flile, (Rletrieve, type in e:\ followed by the
template’s name.
3. Enter the appropriate data
4. Invoke the macros which execute the special functions.
5. Save the worksheet under a new name, if desired, so that you can modify the
data later, play “what-if,” and so forth.
Ofthe built-in worksheets, only -CFLOWand _STAT really add to the analytical
features of the machine. —CFLOWis described below; ~STHT is described along
with other Lotus database functions on page 67. You cannot delete or move the
templates—they and their directory are built-in—but you may copy a template,
modify anything you want and then save that file under a new name.
Uneven Cash-Flow Analysis (Using _CFLOW .WK1)
The TVM menu (see p. 45) can deal with finance problems that involve a smooth,
level PMT cash-flow happening once every period. Often, you'll run into situations
where the periodic cash-flow amounts vary—sometimes quite often—like this:
month 0 1 2 3 4 5 6 7 8
Cash-Flow $ (22,000) 400 400 400 750 O 0 0 45,000
The —CFLOM template is designed to help you analyze the Net Present Value
(NPV) and internal rate of return for a series of uneven cash-flows (the cash-flow
amounts may be uneven, but their occurrences must still be regular—once per
period). Here's how you'd use it to analyze the series of cash-flows shown above:
50 2. ANALYZING INFORMATION