This e-book is a practical guide of day-to-day personal money management. You will learn all you need to know about interest rates, present and future value, annuities, commercial and mortgage loans, retirement planning and bond investing. How can you tell which bank gives you a better deal? What happens when interest rates vary? What is the difference between the annual percentage rate (APR) and effective annual rate (EAR)? Which loan should you choose? Which mortgage loan suits your needs? What happens when you defer or customize a loan? How much can you save in order to have a lump-sum at retirement? How do you manage your credit-card payments? How does legal and illegal loansharking work? When should you buy or sell a bond? How can you adjust your monthly budget with the use of different scenarios? All these questions, and many more, are answered with the help of a practical, yet powerful, tool: Microsoft Excel®. What you will get is a step-by-step guide with simple, easily adaptable Excel® templates showing you how to find the answers to frequently asked financial questions without the use of mathematics! Click the "Buy now" button and make it happen: save, borrow and invest wisely.
