^mt Q^xilhgt of Agriculture at (ftotnell IntiJerBttB Dttfaca. £?. $. Hibrarg Cornell University Library HG 2066.R66 Robinsonian instalment loans ser. 1, for 3 1924 014 029 163 W\% Cornell University ^' 'J Library The original of tliis book is in tlie Cornell University Library. There are no known copyright restrictions in the United States on the use of the text. http://www.archive.org/details/cu31924014029163 ROBINSONIAN INSTALMENT LOANS Series 1. FOR FINDING AS FOLLOWS : — 1st. When any loan will be paid up by monthly payments; 2nd. The unpaid balance on such loans at any time; 3rd. Amount of interest that has been earned. ACCOMPANIED BY Tables showing what $100 or 890 amoiuits to in any number of months from 1 to 200. Also what $1 paid at the end of each month amounts to for the same periods. All at monthly compound. COMPUTED, PUBLISHED AND FOR SALE BY J. WATTS ROBINSON, U. S. M. A., Brookline, Mass., Author and publisher of the Robinsonian Series of Reference Books for all Banks, Trust and Insurance Companies, Railroads, and, in fact, for everyone who has to do mth figures. Copyright, igo8, by J. Watts Robinson. ! I > ' " ' ' ROBINSONIAN - V,-0 Cj instalment loans.— Skkihs 1. Whenever a loan of any amount is to be paid up by monthly pay- ments of any sise, in from 1 to 200 months, at either 3, 3}, 4, 4J, 5, 6, 7, 8, 9, 10, 11 or 12% per annum, the tables of this series (in addition to showing what $100, or $90, will amount to in any number of months from 1 to 200, and also what $1 paid at the end of each month will amount to for the same periods, at monthly compound) will furnish a ready means of finding: 1st — The unpaid balance at time of any payment ; 2d — At what time the loan will be paid up ; C^^ I J I ly Sd — The amount of interest earned up to any time. The method of operation (with examples) is concisely explained with each table; but more minutely here: Let a == amount in column A at any time ; 6 amount opposite in column B, and a; = 100th of the loan. Then, To find the unpaid balance at any time : Multiply a opposite the time by 100th of sum loaned; and multiply b by the payment — and the difference will be the unpaid balance at that time. Example 1. — $100, 9% loan, $1 payment, at 185 months. a = 398.415; 6 = 397.886; b being 53 cents less than a, the unpaid balance is 53 cents. Example 2. — 1900, S% loan, $12 payment, at 100 months. 9 times o= 1749.09 ; 12 times 6 = 1698.17. Hence, 1749.09—1698.17 =$50.92, the unpaid balance. To find when the loan will be paid up: If the loan be $100, and monthly payment $1 (or in any case where the monthly payment is 100th of the loan) the loan will be paid up whenever a = 6. Example 3.— $100, 6% loan, $1 payment, will be exactly paid up in 139 months, by making the last payment 98 cents instead of $1 — for b at that time is 2.4 cents more th^n a. Example 4.— $900, 6% loan, $9 payment, will be paid up in 13^ months (the same time as that in which a $100 loan is paid up by $1 payments) by making the last payment $8.78 instead of $9.00 — for 9 times 6 = 1800.44, is 22 cents more than 9 times a = 1800.22. If the payment be other than 100th of the loan, the loan will be paid up whenever o multiplied by 100th of the loan equals 6 multiplied by the payment; or, whenever o=6 multiplied by p divided by x. Recollect that x = 10 0th of the loan.) If Tve take the xth of any given loan and the a;th of the payment to be made on it as a new loan, this loan (shown by examples 3 and 4) will be paid up in the same time as the given loan; and the unpaid balance on the given loan will be exactly x times that found on the new loan. Example 5. — If in the $900, 6% loan, and $9 payments (in Example 4, above) we take the 9th of $900 as a new loan , and the 9th of $9 as the payment, we will have the $100 loan in Example 3, where 6 amounted in 139 months to 2.4 cents more than a. This 2.4 cents multiplied by a; = 9, gives 21.6 cents as the excess of 9 5 over 9 a. Hence, if the last payment at 139 months be $8.78, instead of $9.00, the loan will be exactly paid up. The amount of interest earned up to any time is equal to (a - - 100) x. Thus, if at any time a = 159.743, then, with a $900 loan, the interest earned will = 59.743 X 9 = $537.69. The above explanations may be algebraically expressed as follows : — When a = 6 X - , the loan will be paid up ; X The unpaid balance = x X o — -p X 6 ; The interest earned at any time = (a — 100) X x. INSTALMENT LOANS.-Series I. At 3 per cent per annum, monthly compound. Unpaid Balances. When loan is paid up. Interest paid. Col umn Mis the number of months payments are made. " A is what $100 amounts to in from 1 to 200 months. " B is what $1 at the end of each month amounts to. •' C is what f 90 amounts to. ^^~ Whenever the monthly payment is 1-lOOth of the sum loaned, the loan will he paid up when A and B are equal. M A B c M A B C 1 100.250 1.0000 90.2250 51 113.580 B4.3217 102.2224 2 100.501 2.0025 90-4506 52 113-864 55.4575 102.4779 3 100.752 3.0075 90.6767 53 114-149 58.5961 102.7341 4 101.004 4.0150 90.9034 54 114.434 57.7376 102.9910 5 101.256 5.0251 91-1306 55 114.720 58.8819 103.2484 6 101.509 6.0376 91.3585 56 115.007 60-0291 103.5086 7 101.763 7-0527 91.5869 57 115.295 61.1792 103.7653 8 102.018 8-0704 91.8159 58 115.583 62-3322 104.0247 9 102.273 9-0905 92.0454 59 115.872 83-4880 104.2848 10 102.528 10-1133 92.2755 60 116.182 64-6467 104.5455 11 102.785 11.1385 92.5062 61 116.452 65-8083 104.8069 12 103.042 12.1664 92.7374 62 116.743 68-9729 105.0689 13 103.299 13. 1968 92.9693 68 117.035 68-1403 105-3316 14 103.557 14.2298 93.2017 64 117-328 69-3106 105.5949 15 103.816 15.2654 93.4347 65 117621 70-4839 105.8589 16 104.070 16.3035 93.6683 66 117-915 71.6601 106.1235 17 104.336 17-3443 93.9025 67 118-210 72.8393 106.3888 18 104. 597 18-3876 94.1372 68 118-505 74-0214 106.6548 19 104.858 19-4336 94.3726 69 118.802 75-2064 106-9214 20 105.121 20-4822 94.6085 70 119.099 76-3944 107-1887 21 105.383 21.5334 94.8450 71 119.396 77-5854 107-4567 22 105.647 22.5872 95.0821 72 119-895 78.7794 107-7254 23 105.911 23.6437 95.3198 73 119-994 79.9763 107.9947 24 106.176 24.7028 95.5581 74 120-294 81.1783 108-2647 25 106. 441 25.7646' 95.7970 75 120-595 82.3792 108.5363 26 106.707 26.8290 96.0365 76 120-898 83.5852 108-8067 27 106.974 27.8961 96.2766 77 121.199 84.7941 109.0787 28 107.241 28-9658 98.6173 78 121.502 86.0061 109-3614 29 107-510 30.0382 96.7586 79 121.805 87.2211 109.6248 30 107.778 31.1133 97.0005 80 122.110 88-4392 109.8988 31 108.048 32.1911 97.2480 81 122.415 89.6603 110.1736 32 108.318 33.2716 97.4861 82 122.721 90-8844 110.4490 38 108.589 34.3547 97.7298 83 123.028 92.1116 110.7251 34 108.860 35.4406 97.9741 84 123.335 93.3419 111.0019 35 109.133 36-5292 98.2191 85 123.644 94.5753 111.2794 36 109.405 37-6206 98.4646 86 123.953 95.8117 111.5576 37 109.879 38.7148 98.7108 87 124.283 97.0512 111.8365 38 109.958 39.8114 98.9578 88 124.573 98.2939 112.1161 39 110.228 40.9109 99.2050 89 124.885 99.5396 112.3964 40 110.503 42.0132 99.4530 90 125.197 100.7885 112.6774 41 110.780 43.1182 99-7016 91 125.510 102.0404 112.9591 42 111.057 44. 2260 99-9519 92 125.824 103.2955 113.2416 43 111-334 45.3366 100.2007 93 126.138 104.5538 113.5246 44 111.612 46.4499 100-4512 94 126.454 105.8151 113.8084 45 111.892 47-5661 100-7024 95 126.770 107.0797 114.0929 46 112.171 48-6850 100-9541 96 127.087 108.3474 114.3782 47 112.452 49.8067 101^2065 97 127.405 109.6183 114.6641 48 112.733 50-9312 101. 4595 98 127.723 110.8923 114.9508 49 118.015 52-0585 101.7132 99 128.042 112.1695 115.2382 60 113.797 53.1887 101.9675 100 128.362 113.4500 115.5268 Instalment Loans at S%. — Series 1. — ^Continued. Opekation.— Oall amount s In A column a ; In B column 6 : payments, p. Call lOOth of loan x ; (then, for $965 loan, x=9.65.) Unpaid balance. R. The balance unpaid at any time on a $100 loan will equal a—bXp The balance unpaid at any time on a $900 loan will equal 9o— 6Xp. A $100 loan Is paid up when a=bXp. $100a; will be paid up when xa=bXp. Or, any loan will be paid up when a equals bX{p-i-100th of loan.) Example : $100, 8 % loan, $1.20 payments, at 93 mos. a=126.138 : 6=104.554. Hence, 104.554X1.20=125.465; which deducted from 126.138 leaves 0,67= R. 2d. $900, 3% loan, 10^0 payments, at 93 months. a=126.138: 6=104.654. Hence, 9a=1135.24; 6Xp=104.554X10.80=1129.18: and 1135.24-1129.18=6.06=R. When xa— 6Xp is less than the payment, pay balance with last payment. Amount of interest earned at any time=(a-100) x, at that time. M A B c M ABC 101 138.683 114-7336 115.8131 151 145.795 183.1786 131.2152 102 126.005 116.0204 116.1046 152 146.159 184.6365 131.5432 10.3 129-328 117.3105 116.3949 153 146.525 186.0981 131.8721 104 129.651 118.6037 116.6858 154 146.891 187.5634 132.2018 105 129.975 119.9003 116.9778 155 147.258 189.0323 132.5323 106 130.300 121.2000 117.2700 156 147.626 190.3 049 132.8636 107 130.626 122. 5030 117.5632 157 147.995 191.9811 133.1958 108 130.952 123.8093 117.8571 158 148.365 193.4611 133.5287 109 131.280 125.1188 118.1517 159 148.736 194.9447 133.8626 110 131.608 126.4316 118.4471 160 149.108 1964321 134.1972 111 131.937 127.7477 118.7432 161 149.481 197.9232 134.3327 112 132.267 129.0670 119.0401 162 149.854 199.4180 134-8690 113 132.597 1303897 119.3377 163 150.229 200.9163 135-2062 114 132.929 131.7157 119.6360 164 130.605 202.4188 135-5442 115 133.261 133.0450 119.9351 165 150.981 203.9249 135.8831 116 133.504 134.3770 120.2350 166 151-359 205.4347 136.2828 117 133.928 135.7135 120.5355 167 151-737 206.9483 136.3634 118 134.263 137.0528 120.8369 168 152.116 208.4656 136.9048 119 134. 599 138.3954 121.1390 169 152.497 209.9868 137.2470 120 134.935 139.7414 121.4418 170 132.878 211.5118 137.6902 121 135.273 141.0908 121.7454 171 153.260 213.0405 137.9341 122 135.611 142.4435 122.0498 172 153.643 214.5731 138.279C 123 133.950 14«.7996 122.3549 173 134.027 216.1096 138.6247 124 136.290 145.1591 122.6608 174 134.412 217-6498 138.9712 125 136.631 146-5220 122.9675 175 134.798 219.1940 139.3187 126 136.972 147-8883 123.2749 176 155.185 220.7420 139.6609 127 137-315 149.2580 123.5831 177 155.573 222.2938 140.0161 128 137.658 150.6312 123.8920 178 155.962 223.8495 140.3869 129 138002 152.0078 124.2017 179 156.352 225.4092 140.7171 130 138.347 153.3878 124.3123 180 156.743 226.9727 141.0689 131 138.693 134.7718 124.8235 181 157.135 228.5401 141.4215 132 139.040 150.1582 125.1356 182 157.528 230.1115 141.7751 133 139.387 157.5486 125.4484 183 157.922 231.6868 142.1295 134 139.736 158.9424 125.7620 184 158.316 233.2660 142.4848 135 140.085 160.3398 126.0765 185 158.712 234.8491 142.8411 136 140.435 161.^406 163.1450 126.3916 186 159.109 236.4363 143.1982 137 140.788 128.7076 187 159.507 238-0273 143.5562 188 141.138 164.5329 127.0244 188 139.906 239.6224 143.9150 139 141.491 165.9642 127.3420 189 160.303 241.2215 144.2748 140 141.845 167.3791 127.6603 190 160.706 242.8245 144.6355 141 142.199 168.7976 127.9795 191 181.108 244.4316 144.9971 142 142.555 170.2196 128.2994 192 161.511 246.0427 145.3596 143 142.911 171.6451 128.6202 193 161.914 247.6578 145.7230 144 143-269 173.0743 128.9417 194 162.319 249.2769 146.0873 145 143.627 174.5089 129.2641 195 162.725 250.9001 146.4325 146 143.986 175.9432 129.5872 196 163.132 252.5274 146.8187 147 144.346 177-3831 129.9112 197 163.540 254.1587 147.1857 148 144-707 178.8263 130.2360 198 163.949 855.7941 147.5637 149 145-068 180.2736 130.5616 199 164.358 237.4336 147.9226 150 145-431 181 7243 130.8880 200 164.769 259.0771 148.8924 INSTALMENT LOANS.-Series I. At 4 per cent per annum, monthly compound. Unpaid Balances. When loan is paid up. Interest paid. Column M is the number of months payments are made. " A is what $100 amounts to in from 1 to 200 months. " B is what f 1 at the end of each month amounts to. " C is what $90 amounts to. !^" "Whenever the monthly payment is 1-lOOth of the sum loaned, the loan will be paid up when A and B are equal. M A B c M A B c 1 100.333 1.0000 90.2997 51 118.497 56.4909 106.6473 2 100.668 2.0033 90.6012 52 118.892 56.6759 107.0028 3 101.003 3.0100 90.9027 53 119.288 57.8648 107.3592 4 101.340 4.0200 91.2060 54 119.686 59.0577 107.7174 5 101.678 5.0334 91.5102 55 120.085 60.2546 108.0765 6 102.017 6.0502 91.8153 56 120.485 61.4554 108.4365 7 102.357 7.0704 92.1213 57 120.887 62.6803 108.7983 8 102.698 8.0940 92.4282 58 121.290 83.8601 109.1610 9 103.040 9.1209 92.7360 59 121.694 85.0820 109.5246 10 103.384 10.1613 93.0456 60 122.100 66.2990 109.8900 11 103.728 11.1852 93.3552 61 122.507 67.5200 110.2563 12 104.074 12.2223 93.6666 62 122.915 68.7450 110.6235 13 104.421 13.2832 93.9789 63 123.325 69.0742 110.9025 14 104.769 14.3074 94.2921 64 123.738 71.2074 111.3624 15 105.118 15.3551 94.6082 65 124.148 72.4448 111.7332 16 105.469 18.4063 94.9221 66 124.562 73.6863 112.1058 17 105.820 17.4810 «5.2380 67 124.077 74.9319 112.4793 18 106.173 18.5192 95.5657 68 125.394 76.1817 112.8546 19 106.527 19.5809 95.8743 69 125.812 77.4356 113.2308 20 106.882 20.6482 98.1932 70 126.231 78.6937 113.6079 21 107.238 21.7150 96.5142 71 128.652 79.9560 113.9868 22 107-596 22.7874 06.8384 72 127.074 81.2226 114.3666 23 107.954 23.8633 97.1586 73 127.498 82.4933 114.7482 24 108.314 24.9429 97.4826 74 127.923 83.7683 115.1307 25 108.675 26.0260 97.8075 75 128.349 85.0475 115.5141 26 109.038 27.1128 98.1342 76 128.777 86.3310 115.8993 27 109.401 28.2032 98.4609 77 120.208 87.6188 118.2854 28 109.766 29.2972 98.7894 78 129.637 88.0108 118.6733 29 110.132 30.3948 99.1188 79 130.069 00.2072 1,17.0621 30 110.499 31.4961 99.4491 80 130.503 01.5079 117.4527 31 110.867 32.6011 99.7803 81 130.938 92.8120 117.8442 32 111.237 33.7098 100.1133 82 131.374 04.1223 118.2366 33 111.607 34.8222 100.4463 83 131.812 95.4360 118.6308 34 111.979 35.9382 100.7811 84 132.251 96.7542 119.0259 35 112.353 37.0580 101.1177 85 132.892 08.0767 119.4228 36 112.727 38.1816 101.4543 86 133.135 09.4036 119.8215 37 113.103 39.3088 101.7027 87 133.578 100.7340 120.2202 38 113.480 40.4399 102.1320 88 134.024 102.0707 120.8216 39 113.858 41.5747 102. 4722 89 134.470 103.4110 121.0230 40 114.238 42.7132 102.8142 90 134.019 104.7557 121.4271 41 114.619 43.8556 103.1571 91 135.388 106.1048 121.8312 42 115.001 45.0018 103.5000 92 135.820 107.4585 122.2380 43 115.384 46.1518 103.8456 93 138.272 108.8167 122.8448 44 115.789 47.3057 104.1021 94 136.726 110.1794 123.0534 46 116.154 48.4633 104.5388 95 137.182 111.5467 123.4638 46 118.542 49.6249 104.8878 96 137.840 112.0185 123.8760 47 116.930 50.7903 105.2370 97 138.098 114.2949 124.2888 48 117.320 51.9598 105.5880 98 138.559 115.6759 124.7031 49 117.711 53.1328 105.9399 99 139.020 117.0615 126.1160 50 118.103 54.3099 106.2927 100 139.484 118.4317 126.6356 Instalment Loans at 4^.— Series 1. — Continued. Operation. — Oall amounts In A column a; In E column 6; payments, p. OalllOOtliof loam; (then, for $9«5 loan, 1=9.65.) Unpaid balance, R. The balance unpaid at any time on a $100 loan will equal a—bXp Example: $100, 4 % loan, $1.20 payments, at 93 mo3. 0=136.272:0=108.817. Hence, 108.817X1.20=130.680; which deducted from 188.272 leaves 5.69= B. The balance unpaid at any time on a $900 loan will equal 9a— bXp. 2d. $900, 4% loan, 10.80 payments, at 98 months. a=13B.272; 6=108.317. Hence, 9a=1226.45; 6Xp=108.8i7X10.80=1175.2!i: and 1226.45— 1175.22=51.23=R, A $100 loan Is paid up when a=bXp. $100a: will be paid up when xa=by.v- Or, any loan will be paid up when a equals bx(p^l00th o( loan.) When xa—bXp is less than the payment, pay balance with last payment. Amount of Interest earned at any time= (o-lOO) x, at that time. M ABC M ABC 101 139.949 119.8405 125.9541 151 165.284 195.8528 148.7556 102 140.415 121.2480 126.3735 152 185.835 197.5055 149.2515 103 140.883 12.2-6502 126.7947 153 168.388 199.1838 149-7492 104 141.353 124.0590 127-2177 154 186.943 200.8277 150.2487 105 141.824 125.4725 127.6416 155 167.499 202.4971 150.7491 106 142.297 126-8908 128.0673 156 168.057 204-1721 151.2513 107 142.771 128-3138 128.4939 157 168.818 205. 8527 151.7568 108 143.472 129-7415 129.1248 158 169.180 207-5389 152.2620 109 143.725 131.1739 129-3525 159 169.744 209.2307 152-7696 110 144.204 132.6112 129.7836 160 170.309 210.9281 153.2781 111 144.684 134.0532 130.2156 161 170.877 212.6312 153.7893 112 145.167 135.5001 130.6503 162 171.447 214.3400 154.3023 113 145.651 130.9517 131.0859 163 172.018 216.0544 154.8162 114 146. 13S 138.4082 131.5224 164 172.592 217.7746 155.3328 115 146.623 139.8696 131.9607 165 173.167 219.5005 155.8503 116 147112 141.3358 132.4008 166 173.744 221.2322 156.3896 117 147.802 142.8070 132.8418 167 174.323 222.9696 156.8907 118 148.094 144.2830 133.2848 168 174.904 224.7129 157.4136 119 148.588 145.7639 133.7292 169 175.487 228.4819 157.9383 120 149083 147.2498 134.1747 170 176.072 228-2188 158.4648 121 149.580 148.7408 134.6220 171 176.659 229.9775 158.9931 122 150.079 150.2364 135.0711 172 177.248 231-7441 159.5132 123 150-579 151.7372 135.5211 173 177.839 233. 5166 160.0551 124 151-081 153.2430 135.9729 174 178.432 235. 2950 160.5888 125 151-585 154.7538 136.4265 175 179.028 237.0793 161.1234 126 152-090 156.2697 136.8810 176 179.824 238.8696 161.6616 127 152-597 157-7906 137.3373 177 180.222 240.6657 162.1998 128 153-106 159.3165 137.8954 178 180.823 242.4680 182.7407 129 153.816 160.8476 138.2544 179 181.425 244.2762 183.2825 130 154- 128 162.3838 138-7152 180 182.030 246.0905 163.8270 131 154-642 163.9250 139-1778 181 182.637 247-9108 164.3733 132 155157 165.4715 139.6413 182 183.246 249-7372 164.9214 133 155-674 167.0230 140.1066 183 183.857 251-5896 165.4713 134 156.193 168.5798 140.5737 184 184,489 253.4082 186.0221 135 158-714 170.1417 141.0426 185 185.084 255.2529 186.5756 136 157-238 171.7088 141.5124 186 185.701 257.1037 187.1309 137 157-780 173.2812 141.9840 187 188.320 258-9607 167.6880 138 158.288 174.8588 142-4574 188 186.941 260.8239 168.2469 139 158-814 176.4417 142.9326 189 187.564 262.6933 168.8078 140 159-343 178.0298 143.4087 190 188.190 264.5690 169.3710 141 159-874 179.6232 143.8868 191 188.817 268.4509 169.9353 142 160-407 181.2220 144.3683 192 189.448 288.3391 170-5014 143 160-942 182.8281 144-8478 193 190.078 270.2335 171-0702 144 181.478 184.4355 145-3302 194 190.711 272.1343 171-8399 145 162. 017 188.0503 145.8153 195 191.347 274.0414 172-2123 146 162-557 187.6704 146-3013 196 191.985 275. 9549 172.7865 147 183-099 189.2960 148-7891 197 192.625 277.8747 173-3825 148 183-842 190.9270 147-2778 198 193.287 279-8010 173.9403 149 164.188 192.5634 147-7692 199 193.911 281.7338 174.5199 150 164-735 194.2053 148-2615 200 194.558 283.6728 175.1082 INSTALMENT LOANS.-Series I. At 4K per cent per annum, monthly compound. Unpaid Balances. When loan is paid up. Interest paid. Column M is the number of months payments are made. *' A is what $100 amounts to in from 1 to 200 months. " B is what $1 at the end of each month amounts to. " C is what $90 amounts to. ^^ ■Whenever the monthly payment is 1-lOOth of the sum loaned, the loan will be paid up when A and B are equal. M A B c M A B c 1 100.375 I. 0000 90.3375 51 121.033 36.0878 108.9297 2 100.751 2.0038 00.6759 52 121.487 57.8981 109.3383 3 101.189 3.0113 91.0161 63 121.942 58.5130 109.7478 4 101.508 4.0226 91.3572 54 122.400 59-7324 110.1600 5 101.889 5.0376 91.7001 65 122.839 60.9564 110.5731 6 102.271 6.0565 02.0439 56 123.319 62.1830 110.9871 7 108.655 7.0792 92.3895 57 123.782 63.4182 111.4038 8 103.040 8.1058 98.7360 ,58 124.246 64.6360 111.8214 9 103.426 9.1362 93.0834 59 124.712 65.8984 112.2408 10 103.814 10.1704 93.4326 60 123.180 67.1456 112.6620 11 104.203 11.2086 93.7827 61 185.649 68.3073 113.0841 12 104.594 12.2506 94.1346 62 126.120 69.6338 113.5080 13 104.986 13.2966 94-4874 63 186.593 70-9160 113.9337 14 105.380 r4.3464 94.8420 64 127.068 72.1810 114.3612 15 105.776 15.4008 93.1975 65 127.544 73.4516 114.7898 16 106.172 16.4380 95.5548 66 128.023 74.7271 116. 2207 17 100.570 17.5197 93.9130 67 128.303 76.0073 113.6587 18 106.970 18-5854 96.2730 68 188.985 77-2923 116.0865 19 107-371 19.6551 96.6339 69 129.468 78-3822 116-5212 20 107.773 20.7288 96.9937 70 129.954 79.8769 116.9386 21 108.177 21.8065 97-3593 71 130.441 81.1764 117.3969 22 108.583 22.8883 97.7247 72 130.930 82.4808 117-3370 23 108.990 23.9741 98.0910 73 131.421 83.7901 118-2789 24 109.399 25. 0640 98.4591 74 131.914 83.1043 118-7226 25 109.809 26.1580 98.8281 75 132.409 86,4235 119.1681 26 110.221 27.2561 99.1989 76 132.005 87.7476 119.6145 27 110.634 28. 3583 99.5706 77 133-404 89.0766 180.063S 28 111.049 29.4647 99.9441 78 133.904 90.4107 180.5136 29 111.466 30.5752 100.3194 79 134.406 91.7497 120.9654 30 111.884 31.6898 100.6956 80 134.910 93.0938 181.4190 31 113.303 32.8087 101.0727 81 135.416 94.4429 121.8744 32 113.724 33-9317 101.4516 82 133.924 05.7070 122.3316 33 113.147 35.0589 101.8383 83 136.434 97.1563 122.7906 34 113.571 36.1904 102.2139 84 136.945 98.5206 123.2505 35 113.997 37.3261 102.5973 85 137.439 99.8901 123. 7131 36 114.425 38.4661 102.9883 86 137.974 101.2646 124.1768 37 114.834 39.6103 103.3686 87 138.492 102.6444 124.6428 38 115.285 40.7389 103.7569 88 139.011 104.0293 125.1099 39 115.717 41.9117 104.1433 89 139.538 103.4194 125-6788 40 116.151 43.0689 104.5330 90 140.056 106.8147 128.0504 41 116.586 44.2304 104.9274 91 140.381 108.2163 128.5229 42 117.024 43.3963 103.3216 92 141.108 109. 6211 126.9972 43 117.462 48.5665 103.7158 93 141.637 111.0388 127. 4733 44 117.903 47.7411 106.1127 94 142.168 118.4483 127-9512 45 118.345 48. 0208 106.3105 95 142.701 113.8702 188-4309 46 118.789 50.1036 106.9101 96 143.236 115. 2972 128-9124 47 119.234 51.2915 107.3106 97 143.774 116.7296 129.3968 48 119.681 52.4838 107.7126 98 144.313 118-1673 129.8817 49 120.130 53.6806 108.1170 99 144.854 119.6105 130.3686 50 120-581 64 8820 108.5229 100 143.397 181.0590 130.8573 Instalment Loans at ^}4%- — Series 1. — Continued. Opeeation.— OaU amounts In A column o; InB column b ; payments, p. Oall 100th of loan a;; (then, lor $9S6 loan, z=9.65.) Unpaid balance, B. The balance unpaid at any time on a $100 loan will equal a—bXp Example: $100, 4i% loan, $1.10 payments, at 108 mos. o= 149.817; 6=132.845. Hence, 182.845X1.10=146.129; which deducted from 149.817 leaves S.69= R. , The balance unpaid at any time on a $900 loan will equal 9a— 6Xij. 2d. $900, 4}% loan, $9.90 payments, at 108 months. a=149.817; 6=132.845. Hence, 9a=1848.S5; 6Xp=182.846X9.90=lS15.17: and 1S48.S5-1315.17=3S.18=B A $100 loan Is paid up when o=6Xj). $100a; will be paid up when xa=&Xp. Or, any loan will be paid up when a equals ftXCpn-lOOth of loan.) When xa— 6Xp Is less than the payment, pay balance with last payment. Amount of Interest earned at any time=(o-100) x, at that time. M A B C M ABC 101 143.942 122.3130 131.3478 151 173.978 208-6090 158-3802 102 146.490 123.9724 131.8410 152 176.638 204.3688 158.9742 103 147.039 125.4373 132.3341 153 177-301 200.1352 159.5709 104 147.590 126.9077 132.8310 154 177-966 207.9082 160-1694 105 148.144 128.3836 133.3296 155 178-633 209.6878 160.7697 106 143.699 129.8650 133.8291 156 179.303 211.4742 161-3727 107 149.337 131.3520 134.3313 157 179-976 213.2672 161.9775 108 149.817 132.8446 134.8853 158 180-650 213.0669 162.5850 109 150.379 134-3428 135-3411 159 181.328 216.8734 163.1932 110 150.942 135-8465 133.8478 160 182.008 218.6867 163.8072 111 151.508 137-3560 136.3572 161 182-690 220.5068 164-4210 112 152.077 138.8711 136.8693 162 183.375 222.3337 165-0375 113 152.647 140-3918 137-3823 163 184.063 224-1674 165-6567 114 153. 219 141-9183 137-8971 164 184-753 226.0081 166-2777 115 153-794 143.4505 138.4146 165 185.446 227-8556 166-9014 116 154.371 144-9 884 138.9339 166 186.141 229.7101 167.5269 117 154.950 146-5321 139.4450 167 186.839 231.5715 I68.1SS1 118 155.531 148-0816 139.9779 168 187.540 233.4399 168.7860 119 136.114 149.6369 140.5026 169 188.243 235.3153 169.4187 120 IS6.699 151.1981 141.0291 170 188.949 237.1977 170.0541 121 157.287 152-7651 141.5583 171 189.658 239.0872 170.6922 122 157-877 154-3379 142-0893 172 190.369 240.9838 171.3321 123 158.469 155-9167 142.6221 173 191.083 242.8875 171.9747 124 159.063 137-5014 143.1567 174 191.799 244-7983 172.6191 125 159.660 159-0920 143.6940 175 192.519 246-7163 173.2671 126 160.258 160-6886 144-2322 176 193.241 248-6415 173.9168 127 160-859 162-2912 144.7731 177 193.965 260.5739 174-5685 128 161-462 163-8998 143.3138 178 194.693 252.5135 173-2237 129 162-068 165.5144 145-8612 179 195.423 254.4604 175.880'! 130 162-676 167.1351 146-4084 180 196-156 256.4147 176-5404 131 163-286 168-7618 146-9374 181 196.891 258.3762 177.201C 132 163-898 170.3947 147-5082 182 197.629 860.3451 177-8661 133 164-313 172-0337 148.0617 183 198.371 282.3214 178-533! 134 165.130 173.6788 148-6170 184 199.114 264.3051 179.202E 135 165.749 175.3301 149.1741 185 199-861 266.2963 179.874S 136 166.370 176-9876 149.7330 186 200-611 268.2949 180-549S 137 166-994 178.6513 150.2946 187 201.363 270.3010 181.226' 138 167.620 180.3212 150.8380 188 202.118 272.3146 181-906! 139 168-249 181.9974 151.4241 189 202.876 274.3358 182. 588': 140 168-880 183.6799 151.9920 190 203.637 276.3646 183.273; 141 169-513 185-3687 152.5617 191 204.400 278.4008 183-960( 142 170-149 1870639 153.1341 192 203-167 280.4449 184.650: 143 170.787 188.7654 153.7083 193 203.936 282.4966 185.3424 144 171-427 190-4732 154.2843 194 206.708 284.5560 186.037S 145 172.070 192.1875 154.8630 195 207.484 286.6231 186.735( 146 172.716 193.9082 155.4444 196 208.262 288-6979 187-435! 147 173.363 195-6354 156.0267 197 209.043 290.7805 188.138 148 174.013 197-3690 156.6117 198 209.827 292.8709 188.844 149 174-666 199.1091 157.1994 199 210.613 294-9692 189.551 150 175.321 1200.8558 157.7889 200 811.403 297.0753 190.262 INSTALMENT LOANS.-Series I. At 5 per cent per annum, monthly compound. Unpaid Balances. When loan is paid up. Interest paid. Column M is the number of months payments are made. " A is what $100 amounts to in from 1 to 200 months. " B is what $1 at the end of each month amoimts to. " C is what $90 amounts to. ^^" Whenever the monthly payment is 1-lOOth ol the sum loaned, the loan will be paid up when A and B are equal. M A B c M A B C 1 100.417 1.0000 90.375 61 123-622 56.6929 111.260 2 100.835 2.0042 90.752 52 134-137 57.9291 111-723 3 101.255 3.0135 91.130 53 124.664 69.1704 112.189 4 101.677 4.0251 91.509 54 125.174 60.4170 112.657 6 108.101 5.0418 91.891 55 135.695 61.-6687 113.126 6 102.526 6.0628 92.273 56 126.219 62.9257 113.697 7 102.953 7.0881 92.658 57 128.745 64.1879 114.071 8 103.382 8.1176 93.044 58 127.273 65.4563 114.546 9 103.813 9.1515 93.432 59 127.803 66.7380 116.023 10 104. 246 10.1896 93.821 60 138.336 68.0061 116.502 11 104.680 11.2321 94.212 61 138-871 69.3894 115.984 12 105.116 12.2789 94.604 62 139.408 70.6781 116.487 13 105.554 13.3300 94.990 63 129.947 71.8733 116.953 14 105.994 14.3856 96.395 64 130.488 73.1717 117-439 15 106.436 15.4455 95.792 65 131.032 74.4766 117.929 16 106.879 16.5099 96.191 66 131-578 75.7889 118.420 17 107.324 17-5786 96.593 67 182-136 77.1037 118.913 .18 107.772 18.6519 96.995 68 132-677 78.4339 119.409 19 108.221 19.7296 97.399 69 1.33.239 79.7507 119. 90S 20 108.672 20.8118 97-805 70 133-785 81.0830 130.407 21 109.124 21.8985 98.212 71 134.343 83.4208 130.908 22 109.579 22.9898 98.621 72 134.903 83.7643 121.413 23 110.036 24.0866 99.032 73 135-464 85.1133 121.918 24 110.494 26.1859 99.445 74 130-028 86.4679 133.425 25 110.956 26.2909 99.860 75 136.596 87.8283 133.936 26 111.417 27.4004 100.275 76 137.164 89.1941 133.448 27 111.881 28.5148 100-693 77 137.736 90.5858 133.962 28 112.347 29.6334 101-112 78 138.310 91.9431 134.479 29 112.815 30.7569 101.534 79 138.886 93.3263 124.997 30 113.285 31.8850 101.957 80 189.465 94.7151 125.519 31 113.757 33.0179 102.381 81 140-046 96.1098 126.041 32 114.231 34.1554 102.808 82 140-629 97-5102 126.566 33 114.707 35.2978 103.236 83 141-215 98.9165 137.094 34 115.185 36.4448 103.667 84 141.804 100.3287 137-824 35 115.665 87.5967 104.099 85 142.394 101.7467 128.155 36 116.147 38.7533 104.532 86 142-988 103.1706 128.689 37 116.631 39.9148 104.968 87 143.584 104.6005 139.226 38 117.117 41.0811 105.405 88 144.182 106.0383 129.764 39 117.605 42.2523 106.845 89 144.783 107.4782 130.305 40 118.095 43.4283 106.386 90 145.386 108-9360 130.847 41 118.587 44.6093 106.738 91 145.993 110-3798 131.393 42 119.081 45.7962 107.173 92 146.600 111.8398 131.940 43 119.577 46.9860 107.619 93 147.211 113.3058 132.490 44 120.076 48.1818 108.068 94 147.824 114.7779 133.043 45 120.576 49.3825 108.518 95 148.440 116.2561 133.596 46 121.078 50.5883 108.970 96 149.059 117.7405 134.163 47 121.583 61.7991 109-425 97 149.680 119.2311 134.712 48 122.090 53.0149 109.881 98 150.303 120.7379 135.373 49 122.598 54.2368 110.338 99 150.930 132.2309 136-837 50 123.109 55.4618 110-798 100 151.568 133-7402 136-402 Instalment Loans at 5%.— Series 1.— Continued. Opeeation.— Oall amounts In A oolumu a; In B column 6 ; payments, p. Call 100th of loan x ; (then, foi- $965 loan, a;=9.65.) Unpaid balance, B. The balance unpaid at any time on a $100 loan will equal a—bXp Example : $100, 6 % loan, $1.20 payments, at 98 mos. «=147.211 ; 6=118..806 Hence, 118.306X1.20=135.967; which deducted from 147.211 leaves 11.24= R. The balance unpaid at any time on a $900 loan will equal 9a— 6X33. 2d. $900, 5% loan, 10.80 payments, at 98 months. a=147.211; 6=118.806. Hence, 9o=182"4.90: 6Xj)=118.306X10.80=122S.70: and 1324.90— 1228.70=101.20=R A $100 loan Is paid up when a=bXp. $1003; will be paid up when xa=6Xp. , Or, any loan will be paid up when a equals 6X(j)-^100th of loan.) , When xo— 6Xp Is less than the payment, pay balance with last payment. Amount of Interest earned at any tlme=(a-100) x, at that time. M M 52.190 52.821 53.461 54.100 54.742 55.387 56.035 56.686 57.338 57.993 58.651 59.312 59.976 60.643 61.312 61.984 62.659 63.337 64.018 64.701 65.387 68.076 66.768 67.463 68.161 68.862 69.565 70.272 70.981 71.694 72.409 73.127 73.849 .74.573 75.300 78.031 76.764 77.501 78.240 .78.983 79.729 80.478 81.230 81.985 82.743 83.505 84.269 85.037 85.808 86.582 125.2558 126.7777 128.3060 129.8406 131.3816 132.9290 134.4829 136.0432 137.6100 139.1834 140.7633 142.3499 143.9430 145.5427 147.1492 148.7623 150.3821 152.0087 153.6421 155.2823 156.9293 158.5832 160.2439 161.9116 163.5882 165.2878 166.9565 168.8521 170.3548 172.0646 173.7816 175.5057 177.2369 178.9754 180.7212 182.4742 184.2345 186.0021 187.7771 189.5595 191.3494 193.1467 194.9514 196.7637 198. 5836 200.4110 202.2461 204.0887 205.9391 207.7972 136.9710 137.5416 138.1149 138.6900 139.2878 139.8483 140.4315 141.0174 141.6042 142.1937 142.7859 143.3808 143.9784 144.5787 145.1808 145.7856 146.3931 147.0033 147.6162 148.2309 148.8483 149.4884 150.0912 150.7187 151.3449 151.9758 152.6085 153.2448 153.8829 154.5246 155.1681 155.8143 156.4641 157.1157 157.7700 158.4279 159.0876 159.7509 160.4180 161.0847 161.7581 182.4302 163.1070 163.7865 164.4687 165.1545 165.8421 166.5333 167.2272 167.9238 151 187.360 152 188.140 153 188.924 154 189.711 155 190.502 156 191.296 157 192.093 158 192.893 159 193.697 160 194.504 161 195.314 162 196.128 163 196.945 164 197.766 166 198.590 166 199.417 167 200.248 168 201.083 169 201.920 170 202.782 171 203.807 172 204.455 173 205.307 174 206.162 175 207.021 176 207.884 177 208.750 178 209.620 179 210.493 180 211.370 181 212.251 182 213.135 183 214.024 184 214.915 185 215.811 186 216.710 187 217.613 188 218.520 189 219.430 190 220.344 191 221.263 192 222.185 193 223.110 194 224.040 195 224.973 196 225.911 197 226.852 198 227.797 199 228.746 1 200 229.700 209.6630 211.5368 213.4180 215.3073 217.2044 219.1094 221.0223 222.9433 224.8722 226.8092 228.7542 230.7074 232.6886 234.6381 236.6157 238.6016 240.5958 242.5983 244.6091 246.6283 248.6559 250.6920 252.7366 254.7896 256.8513 258.9215 261.0003 263.0878 265.1840 267.2889 269.4026 271.5252 273.8565 275.7967 277.9459 280.1040 282.2711 284.4472 286.6324 288.8267 291.0302 293.2428 295.4847 297.6958 299.9382 302.1859 304.4450 306.7135 308.9915 311.2790 INSTALMENT LOANS.-Series I. At 6 per cent per annum, monthly compound. Unpaid Balances. When loan is paid up. Interest paid. Colamn M is the number of months payments are made. " A is what $100 amounts to in from 1 to 200 months. " B is -what $1 at the end of each month amounts to. " C is what $90 amounts to. ^- "Whenever the monthly payment is 1-lOOth of the sum loaned, the loan wUl he paid up when A and B are equal. M A B c M A B C 1 100.500 1.0000 90.4500 51 128.964 57-9284 116.0676 2 101.003 2.0050 90.9027 52 129-609 59-2180 116.6481 3 101.508 3.0150 91-3572 53 130.257 60-5141 117.2313 4 102.015 4.0301 91-8135 54 130-908 61.8167 117.8172 5 102.525 5.0503 92-2725 55 131.563 63.1258 118.4067 -6 103.038 6.0755 92-7342 56 132.221 64-4414 118.9989 7 103.553 7-1059 93.1977 57 132.882 65.7636 119.6938 8 104.071 8.1414 93.6639 58 133.546 67-0924 120-1914 9 104.591 9.1821 94.1319 59 134.214 68.4279 120.7926 10 105.114 10.2280 94-6026 60 134.885 69.7700 121.3965 11 105.640 11.2792 95.0760 61 135.559 71.1189 122.0031 12 106.168 12.3356 95.5512 62 136.237 72.4745 122.6133 13 106.699 13.3972 96-0291 63 136.918 73.8368 123.2263 14 107.232 14.4642 96-5088 64 137.603 75-2060 123.8427 15 107.768 15.5365 96.9912 65 138.291 76-5821 124.4619 16 108.307 16.6142 97-4783 66 138.982 77.9650 125.0838 17 108.849 17-8973 97.9641 67 139.677 79.3548 125.7093 18 109.393 18.7858 98.4537 68 140.376 80.7516 126.3384 19 109.940 19.8797 98.9460 69 141.078 82.1553 126.9703 20 110.490 20.9791 99.4410 70 141-783 83.5661 127.6047 21 111.042 22.0840 99-9378 71 142-492 84-9839 128.2423 22 111.597 23.1944 100.4373 72 143-204 86-4089 128.8836 23 112.155 24.3104 100.9395 73 143.920 87.8409 129.5280 24 112.716 25.4320 101.4444 74 144.640 89.2801 130.1760 25 113.280 26-5591 101.9520 75 145.363 90.7265 130.8267 26 113.846 27-6919 102.4814 76 146.090 92.1801 131.4810 27 114.415 28.8304 102.9735 77 146.821 93.8410 132.1389 28 114.987 29.9745 103.4883 78 147.555 95.1092 132.7995 29 115.582 31.1244 104.0058 79 148.292 96.5848 133.4628 30 116.140 32.2800 104.5260 80 149.034 98.0677 134.1300 31 116.721 33.4414 105-0489 81 149.779 99.5581 134.8011 32 117.304 34.6086 105.5736 82 150.528 101.0558 135.4752 33 117.891. 35.7817 106.1019 83 151.281 102.5611 136.15!i9 34 118.480 36.9606 106.6320 84 152.037 104.0739 136-8333 35 119.073 38.1454 107.1657 85 158.797 105.5943 137.5173 36 119.668 39.3361 107.7012 86 153.581 107.1223 138-2049 37 120.266 40.5328 108.2394 87 154.329 108.6579 138.8961 38 120.868 41.7354 108.7812 88 155.101 110.2012 139.5909 39 121.472 42.9441 109.3248 89 155-878 111.7522 140.2884 40 122.079 44.1588 109.8711 90 158.655 113.3109 140.9895 41 122.690 45.3796 110.4210 91 157.439 114.8775 141.6951 42 123.303 46.8065 110-9727 92 158-220 116.4519 148.4034 43 123.920 47.8396 111.5280 93 159-017 118.0341 143-1153 44 124.539 49.0788 112.0851 94 159.812 119.6243 143.8308 45 125.162 50.3242 112.6458 95 160.611 121.2224 144.5499 46 125.788 51.5758 113. 2092 96 161.414 122.8285 145.2726 47 126.417 52.8337 113.7753 97 162.221 124.4427 145.9989 48 127.049 54.0978 114.3441 98 163.032 126.0649 146-7288 49 127.684 55.3683 114.9156 99 163.848 184.087 127.6952 147-4632 50 128.323 56.fi452 1T5.4907 100 129.3337 148.8003 Instalment Loans at 6%.— Series 1.— Continued. Operation.— Oall amounts In A column o; In B column 6 : payments, p. Call 100th otloan a:: (then, for $965 loan, a;=9.65.) Dnpald balance, B. The balance unpaid at any time on a $100 loan will equal a—bXp Example : $100, 6 % loan, $1.20 payments, at 108 mos. o=171.370 ; 6=142.740. Hence, 142.740X1.20=171.288; which deducted from 171.S70 leaves 0.08= R. The balance unpaid at any time on a $900 loan will equal 9a— 6Xji. 2d. $900, 6% loan, 10.80 payments, at 108 months. a=171.87; 6=142.74. Hence, 9a=1542.SS; 6Xp=142.74X10.80=164l.69: and 1542.S3-1541.59=0.74=B A $100 loan la paid up when a=6Xj). $100a: will be paid up when xa=6Xp. Or, any loan will be paid up when a equals 6X(j)-M00th of loan.) When xa— 6Xp Is less than the payment, pay balance with last payment. Amount of Interest earned at any tlme=(o-100) x, at that time. , M B M 165.490 160.318 107.149 167.985 168.883 169.669 170.517 171.370 172.227 173.088 173.953 174.823 175.697 176.576 177.459 178.346 179.238 180.134 181.035 181.940 182.849 183.763 184.682 185.606 186.534 187.467 188.404 189.346 190.293 191.244 192.200 193.161 194.127 195.098 196.073 197.034 198.039 199.029 200.024 201.024 202.029 203.040 204.053 205.075 206.100 207.131 208.167 209.207 210.233 211.303 130.9804 132.0353 134.2984 133.9699 137.0498 139.3380 141.0347 142.7399 144.4336 146.1759 147.9067 149.6463 131.3945 153.1513 154.9172 156.6918 158.4753 160. 2677 162.0690 103.8793 165.6987 187.5272 169.3649 171.2117 173.0678 174.9331 176.8078 178.6918 180.5833 182.4882 184.4006 186.3226 188.2542 190.1953 192.1463 194.1072 196.0778 198. 0382 200.0484 202.0487 204. 0589 206.0792 208.1096 210.1502 212.2009 214.2619 216. 3332 218.4149 220-5070 222.6095 148.9410 149.6862 130.4341 151.1865 151.9425 152.7021 153.4653 154.2330 155.0043 155.7792 156.5377 157.3407 158.1273 158.9184 159.7136 160.5114 161.3142 162.1206 162.9315 163.7460 164.5641 165.3867 166.2138 167.0454 167.8806 168.7203 169 5836 170.4114 171.2637 172.1196 172.9800 173.8449 174.7143 175.5882 176.4637 177.3484 178.2351 179.1261 180.0216 180.9216 181.8261 182.7360 183.6495 184.5675 185.4900 186.4179 187.3503 188.2863 189.2877 190.1745 151 212.361 152 213.623 153 214.490 154 215.662 155 216.640 156 217.723 157 218.812 158 219.906 159 221.006 160 222.111 161 223.221 162 224.337 163 225.459 164 226.586 165 227.719 166 228.858 167 230.002 168 231.152 169 232.308 170 233.489 171 234.637 172 235.810 173 236.989 174 238.174 175 239.365 176 240.562 177 241.764 178 242.973 179 244.188 180 243.409 181 246.836 182 247.869 183 249.109 184 250.354 185 251.600 186 252.864 187 254.188 188 255.399 189 256.678 190 257.959 191 259.249 192 280.545 193 261.848 194 263.157 195 264.473 196 265.795 197 267.124 198 268.460 199 269.802 200 271.151 224.7226 226.8468 228.9804 231.1253 233.2809 235.4473 237.6243 239.8127 248.0118 244.2218 246.4429 248.6752 250.9185 233.1731 255.4390 257.7162 280.0048 262.3048 264.6163 266.9394 269.2741 271-6205 273.9786 876.3485 278.7302 281.1239 283.5295 285.9471 288.3769 290.8187 2932728 295.7392 298-2179 300.7090 303.2185 305.7286 308.2572 310.7985 313.3525 315.9193 318.4989 321.0914 323.6968 326.3153 328-9469 331.5916 334.2496 336.9208 339.6034 342.3035 191.1249 192.2807 193.0410 194.0058 194.9760 195.9507 198.9308 197.9154 198.9054 199.8999 200.8989 201.9033 202.9131 203.9274 204.9471 205.9722 207.0018 208.0368 209.0772 210.1221 211.1733 212.2290 213.2901 214.3566 215.4885 216.5058 217.5876 218.6757 219.7692 220.8681 221.9724 223.0821 224.1981 225.3186 226.4454 227.5776 228.7132 229.8591 231.0084 238.1631 233.3241 234.4905 235.8632 236.8413 838.0257 239.2135 240.4116 241.6140 242.8218 244.0339 INSTALMENT LOANS.-Series I. At 7 per cent per annum, monthly compound. Unpaid Balances. When loan is paid up. Interest paid. Column M is the number of months payments are made. " A is what $100 amounts to in from 1 to 200 months. " B is what f 1 at the end of each month amounts to. " C is what $90 amounts to. !^~ Whenever the monthly payment is 1-lOOth of the stun loaned, the loan will be paid up when A and B are equal. MA B C M A B c 1 100-583 1.0000 90.5247 51 134.533 59.1986 121.0797 2 101.170 2.0058 91.0530 52 135.317 60.5439 121.7853 3 101.760 3.0175 91-5840 53 136.107 61.8071 122.4983 4 102.354 4.0351 92-1186 54 136.901 63.2581 123.2109 5 102.951 5.0587 92-6559 55 137.699 64.6271 123.9291 6 103.551 6.0882 93.1959 56 138.502 66.0041 124.6518 7 104.155 7-1237 93-7395 57 139.310 67.3892 125.3790 8 104.763 8.1653 94.2867 58 140.123 68.7823 126.1107 9 105.374 9-2129 94.8366 59 140.940 70.1835 128.8460 10 105.989 10-2666 95.3901 60 141.763 71-5929 127.5867 11 106.607 11.3265 95.9463 61 142.589 73-0105 128.3301 12 107.229 12.3926 98.5061 62 143.421 74.4364 129.0789 13 107.855 13.4849 97.0695 63 144.258 75-8706 129.8322 14 108.484 14.5434 97-6356 64 145.099 77.3132 130.5891 15 109.116 15.6283 98-2044 65 145.946 78-7642 131.3514 16 109.753 16.7194 98-7777 66 146.797 80-2237 132.1173 17 110.393 17.8170 99.3537 67 147.653 81-6916 132.8877 18 111.037 18.9209 99.9333 68 148.515 83-1682 133.8635 19 111.685 20.0313 100.5165 69 149.381 84-6533 134.4429 20 112.336 21.1481 101.1024 70 150.252 88.1471 135.2268 21 112.992 22.2715 101-6928 71 151.129 87.6497 136.0161 22 113.651 23.4014 102.2859 72 152.011 89.1609 136.8099 23 114.314 24.5379 102.8826 73 152.897 90.6810 137.6073 24 114.981 25.6810 103.4829 74 153.789 92.2100 138.4101 25 115.651 28.8308 104.0859 76 154.688 93.7479 139.2174 26 116.326 27.9874 104.6934 76 155.589 95.2948 140.0301 27 U7.005 29.1506 105.3045 77 156.498 96-8507 140.8464 28 117.687 30.3207 105.9183 78 157.409 98.4156 141.6681 29 118.374 31.4975 106.5366 79 158.327 99.9897 142.4943 30 119.084 32.6813 107.1576 80 159.251 101-5730 143.3259 31 119.759 33.8719 107.7831 81 180.180 103.1655 144.1820 32 120.457 34.0695 108.4113 82 161.114 104.7673 145.0028 33 121.180 36.2741 109.0440 83 162.054 106.3784 145.8486 34 121.867 37.4857 109.6803 84 162.999 107.9990 146.6991 35 122.578 38-7043 110.3202 85 163.950 109.6290 147.5550 36 123.293 39-9301 110.9837 86 164-907 111.2685 148.4163 37 124.012 41.1630 111.6108 87 165.869 112.9175 149.2821 88 124.735 42.4031 112.2615 88 166.836 114.5762 150.1524 39 125.463 43.6505 112.9167 89 167-809 116.2446 151.0281 40 128-195 44.9051 113.5755 90 168.788 117.9227 151.9092 41 1 126.931 46.1671 114.2379 91 169-773 119.6106 152.7957 42 127.871 47-4364 114.9039 92 170.763 121.3083 153.6867 43 128.416 48-7131 115.5744 93 171.759 123.0159 154.5831 44 129.185 49-9972 116.2485 94 172.761 124.7335 155.4849 45 129.916 51.2889 116.9271 95 173-769 126.4611 156.3921 46 130.676 52.5881 117-6084 96 174.783 128.1988 157.3047 47 131.439 33.8948 118-2951 97 175.802 129.9466 158.2218 48 132.205 55.2092 118.9845 98 176.828 131.7047 159.1452 49 132.977 56-5313 119.6793 99 177.859 133.4729 160.0731 60 133.752 57-8611 120.3768 100 178.897 135.2515 161.0073 Instalment Loans at 7 % . — Series 1. — Continued. Opekation.— OaU amounts In A column a; In B column b ; payments, p. Oall 100th ol loan x ; (then, for $966 loan, a:=9.65.) Unpaid balance, R. The balance unpaid at any time on a $100 loan will equal a—bXp Example: $100, 7% loan, $1.20 payments, at 108 mos. a=187.418: 6=149.869. Hence, 149.859X1.20=179.831 ; which deducted from 187.418 leaves 7.59= R. The balance unpaid at any time on a $900 loan will equal 9a—bXp. 2d. $900, 7% loan, 10.80 payments, at 108 months. a= 187 .418; 6=149.869. Hence, 9a=1686.76; 6Xp=1498.59X10.80=1618.48: and 1686.76-1618.48=68.28=R A $100 loan Is paid up when a=6Xp. $100a; will be paid up when xa=6Xp. Or, any loan will be paid up when a equals 6XCj)-^ 100th of loan.) "When xa — 6Xp Is less than the payment, pay balance with last payment. Amount of interest earned at any tline=(a-100) x, at that time. MA B C MA B C 101 179.940 137.0405 161.9460 151 240.674 241-1559 210.6086| 102 180.990 138.8399 182.8910 152 242.078 243-5626 217.3703 103 182.046 140'6498 163-8414 153 243-490 245.9834 219.1410 104 183.108 142.4703 184.7972 154 244.911 243.4183 220.4199 105 184.176 144.3013 165.7584 155 246-339 250.8674 221.7051 106 185.250 146.1431 166.7250 156 247.776 253-3308 222.9933 107 186-331 147.9956 167.6979 157 249-222 255-8035 224.2998 108 187.418 149.8589 168.6762 158 250.675 258.3008 225.6075 ' 109 188. 5H 151-7331 169.6599 159 252-138 260-3075 226.9242 110 189.611 153-6182 170.6499 160 253.609 283.3289 223.2481 111 190.717 155.5143 171-6453 161 255.083 285-8650 229.5792 112 191.829 157-4215 172.6481 162 256-576 238-4159 230.9184 113 192.948 159-3398 173-6532 163 258-073 270.9816 232.2657 114 194.074 161.2692 174.6666 164 259.578 273.5623 233.6203 115 195.206 163-2100 175.6854 165 261-092 276-1581 234.9828 116 196.345 165-1620 176-7105 166 282.815 278-7890 236.3535 117 197.490 167-1255 177.7410 167 284-147 231-3952 237.7323 118 198.642 169.1004 178-7778 168 265.888 234-0387 239-1192 119 199.801 171-0868 179-8209 169 287. 238 286-6936 240.5143 120 200.966 173.0848 180-8694 170 288.797 239-3659 241.9173 121 202.138 175-0945 181-9242 171 270.365 292-0539 243.3235 122 203.318 177-1159 182-9862 172 271-942 294-7575 244.7478 123 204.504 179.1490 184.0536 173 273.528 297.4770 248.1753 124 205.697 181-1941 185.1273 174 275.124 300-3123 247.6118 125 206.896 183.2510 188.2064 175 276.729 302-9635 249.0561 126 208.103 185.3200 187.2927 176 278-343 305.7308 250.5037 127 209.317 187.4010 188 3853 177 279-987 308-5142 251.9703 128 210.538 189.4942 189.4842 178 281.800 311.3139 253.4400 129 211.768 191.5996 190.5894 179 233-242 314-1299 254.9178 130 213-002 193-7172 191.7018 180 284.895 316-9623 256.4055 131 214.244 195-8473 192-8196 181 286.557 319-3112 257.9013 132 215-494 197-9897 193.9448 182 288.228 322.6768 259-4053 138 216-751 200-1446 195.0759 183 239-909 325-5591 260.9131 134 218-015 202.3122 196.2135 184 291.601 328-4582 262.4409 135 219-287 204-4923 197-3583 185 293-302 331-3742 263.9718 136 220-586 206-6852 198-5094 186 295.013 334-3072 265.5117 137 221.853 208-8908 199.6677 187 298-733 337-2573 267-0597 138 223-147 211.1094 200.8323 188 298-484 340.2247 288.6176 139 224-449 213-3409 202.0041 189 300.205 343-2093 270-1845 140 225-758 215-5853 203.1822 190 301.957 348.2114 271.7613 141 227-075 217.8429 204.3675 191 303-718 349.23Q9 273-3463 142 228-400 220.1137 205.5600 192 305.490 352.2881 274-9410 143 229.782 222.3977 206.7588 193 307-272 355-3230 2765448 144 231.073 224-6950 207.9657 194 309.064 358-3957 278.1576 145 232-420 227-0057 209-1780 195 310-367 361.4801 279.7807 146 233.778 229.3299 iilO.3984 196 312.630 384.5950 281-4120 147 235-139 231.6677 211.6251 197 314.504 387.7218 283.0538 148 236-511 234.0191 212.8599 198 316.339 370.8689 284.7051 149 237-891 236-3842 214.1019 199 318.184 374.0303 288.3656 150 239.278 238.7631 215.3502 200 320.040 377.2121 288-0360 INSTALMENT LOANS.-Series I. At 8 per cent per annum, monthly compound. Unpaid Balances. When loan is paid up. Interest paid. Column M is the number of months payments are made. " A is what $100 amounts to in from 1 to 200 months. " B is what $1 at the end of each month amounts to. " C is what $90 amounts to. •^^ "Whenever the monthly payment is 1-lOOth of the sum loaned, the loan will be paid up when A and B are equal. MA B C M A B c 1 100.667 1.0000 90.6003 51 140.336 60.5045 126.3024 2 101.338 2.0067 91.2042 52 141.272 61.9079 127.1448 3 102.013 3.0200 91.8117 53 142.214 68.3208 127.9926 4 102.693 4.0402 92.4237 54 148.162 64.7427 128.8458 5 103.378 5.0671 93.0402 65 144.116 66.1743 129.7044 6 104.087 6.1009 93.6603 56 145.077 67.6155 130.5693 7 104.761 7.1416 94.2849 57 146.044 69.0663 131.4396 8 10S.459 8.1892 94.9131 58 147.018 70.5267 182.3168 9 106.163 9.2438 95.5467 59 147.998 71.9969 138.1982 10 106.870 10.3054 96.1830 60 148.985 78.4769 184.0865 11 107.583 11.3741 96.8247 61 149.978 74.9667 134.9802 12 108.300 12.4499 97.4700 62 150.978 76.4865 135.8802 13 109.022 13.5329 98.1198 68 151.984 77.9763 136.7856 14 109.749 14.6231 98.7741 64 152.997 79.4961 137.6073 15 110.480 15.7206 99.4820 65 164.017 81.0261 138.6163 16 111.217 16.6254 100.0958 66 155.044 82.6662 139.5396 17 111.958 17.9376 100.7622 67 156.078 84.1167 140.4703 18 112.705 19.0672 101.4345 68 157.118 85.6775 141.4068 19 113.456 20.1842 102.1104 69 168.166 87.2487 142.3494 20 114.213 21.3188 102.7917 70 159.280 88-8303 143.2980 21 114.974 22.4600 103.4766 71 160.282 90.4226 144.2532 22 115.740 23.6107 104.1660 72 161.850 92.0263 145.2150 23 116.512 24.7681 104.8608 73 162. 4b6 93.6388 146.1834 24 117.289 26.9332 105.5601 74 163.509 95.2631 147.1581 '25 118.071 27.1061 106.2639 75 164.599 96.8982 148.1391 26 118.858 28.2868 106.9728 76 166.696 98.5442 149.1264 27 119.650 29.4754 107.6860 77 160.801 100.2011 150.1209 28 120.448 30.6719 108.4032 78 167.913 101.6691 151.1217 29 121.251 31.8763 109.1269 79 169.032 103.5488 152.1288 80 122.059 33.0889 109.8581 80 170.159 105.2386 153.1431 31 122.873 34.3094 110.5857 81 171.298 106.9402 164.1637 32 123.692 36.6382 111.3228 82 172.436 108.6631 155.191S 33 124.617 86.7761 112.0653 83 173.685 110.3776 156.2266 34 126.347 38.0203 112.8123 84 174.742 112.1133 157.2678 35 126.182 39.2737 113.5638 85 175.907 113.8607 158.3183 36 127.024 40.5356 114.3216 86 177.080 115.6198 159.3720 37 127.871 41.8058 116.0839 87 178.260 117.3906 160.4340 38 128.723 43.0845 116.8507 88 179.449 119.1732 161.6041 39 129.681 44.3717 116.6229 89 180.645 120.9677 162.5805 40 130.445 45.6675 117.4006 90 181.849 122.7741 168.664] 41 131.315 46.9720 118.1836 91 188.062 124.5926 164.7558 42 132.190 48.2851 118.9710 92 184.282 126.4283 165.6688 43 133.071 49.6070 119.7639 93 185.611 128.2661 166.9590 44 133.959 50.9378 120.5631 94 186.747 130.1212 168.0723 45 134.862 52.2773 121.3668 95 187.992 131.9887 169.1928 46 135.761 63.6269 122.1759 96 189.246 133.8686 170.3214 47 136.656 54.9834 122.9904 97 190.507 135.7610 171.4563 48 137.567 66.3499 123.8103 98 191.777 137.6661 172.6993 49| 138.484 57.7266 124.6866 99 198.066 189.6839 173.7504 50 139.407 69.1104 125.4663 100 194.343 141.6144 174.9087 Instalment Loans at 8%. — Series 1. — Continued. Opebation. — Oall amounts In A column a; in B column b ; payments, p. Call lOOth of loan a: ; (then, lor $968 loan, a;=9.65.) Unpaid balance, B. The balance unpaid at any time on a JlOO loan will equal a—bXp Example : ^ JlOO, 8 % loan, $1.20 payments, at 108 mos. a=204.953 ; 6=157.430. Hence, 157.430X1.20=188.916; which deducted from 204.953 leaves 16.04= K. I The balance unpaid at any time on a $900 loan will equal 9a— 6Xp. 2d. $900, 8% loan, 10.80 payments, at 108 months. a=204.953; 6=157.430. . Hence, 9a=1844.58; 6Xp=1574.30X10.80=1700.24: and 1844.58-1700.24=144.84=B A $100 loan Is paid up when a=6Xp. $1001 will be paid up when xa=6Xp. Or, any loan will be paid up when a equals 6X(p-5-100th of loan.) When xa— 6Xj) Is less than the payment, pay balance with last payment. Amount of Interest earned at any time= (a-100) x, at that time. M A B C M A B C 101 195.639 143. 4579 176.0751 151 872.734 839 1007 243.4606 102 I9S.943 145. 4143 177.2487 152 874-553 261 8380 247.0988 103 198.256 147 3837 178.4304 153 276-382 884 5735 848-7438 104 199.578 149 3663 179.6202 154 273.835 287 3373 250.4025 105 200.008 151 3620 180.8172 155 280.080 270 1196 852.0720 106 203.247 153 3711 182.0223 156 281.947 272. 9804 253.7583 107 203. 59S 155. 3933 183.2364 157 283.827 875 7399 255.4443 108 201.953 157 4203 184-4577 158 235-719 278 5731 257.1471 109 206.319 159 4791 185.6871 159 287.684 281 4353 258.8616 110 207.695 161 5483 186.9255 160 239-541 284 3115 260.5869 111 209.079 183 6192 183.1711 161 891-471 287 8070 862.3239 112 210.473 165 7100 139.4257 162 293.414 290 1817 264.072S 113 811.878 167 8147 190.6884 163 295.371 293 0558 265.8339 114 213.239 169 9335 191.9601 164 297-340 296 0095 867-6060 115 314.711 172 0664 193.2399 165 899-323 398 9889 289.3898 116 216.142 174 2133 194-5278 166 301.317 301 9761 271 1853 117 217-583 176 3749 195-8247 167 303.326 304 9893 272 9934 118 219.034 178 5508 197.1306 168 305.343 308 0226 274 8132 119 220.494 180 7411 193-4446 169 307. 384 311 0761 278.6456 120 221.964 132 9460 199-7676 170 309.433 314 1499 278.4897 121 223.444 185 1657 201.0996 171 311.496 317 2443 280.3464 122 324.933 187 4001 202.4397 172 313.573 320 3593 282.2157 123 236.433 139 6494 203.7897 173 315.663 323 4949 284.0967 124 227-943 191 9133 205.1487 174 317.768 328 6516 285.9013 125 229.463 194 1923 206.5158 175 319.886 329 8293 287.8974 126 330-992 196 4878 207.3928 176 322.019 333 0281 289.3171 127 232-533 193 7977 809.2783 177 324.166 336 2433 891.7494 128 334-082 201 1231 210.6738 178 328-327 339 4899 893.6943 129 235.643 203 4639 818.0787 179 328-502 342 7538 895.6518 130 237.214 205 8203 213.4926 180 330.692 346 0383 897.8283 131 238.795 303 1924 214.9155 181 33-2.897 349 3451 899.8073 132 240-337 210 5 804 218.3483 182 335.116 352 6741 301.6044 133 341-990 213 9843 217.7910 183 337-350 356 0853 803.6150 134 243-603 215 .4043 219.8487 184 339.599 339 3988 305.6391 135 245-227 217 .8403 220.7043 185 341.863 362 7948 307.6767 136 246-862 220 2925 888.1758 186 344.142 368 8134 309.7278 137 348-507 222 .7611 823.6563 187 346.437 369 6548 311.7933 138 250.164 225 .8461 225.1476 188 348.746 373 1192 313-8714 139 251-332 327 .7478 226.6488 189 351-071 376 6.066 315.9639 140 253-511 230 -8661 228.1599 190 353-412 330 1174 318-0708 14 L 255.201 232 .8018 229.6809 191 355.763 383 6515 320.1912 142 256-902 235 -3538 231.2113 192 358.139 387 .2093 322-3851 143 258.615 337 .9823 233-7535 193 360-527 390 7905 384-4743 144 260.339 240 .5084 234-3051 194 363-931 394 3953 388.6379 145 262-075 843 .1118 235-3675 195 365.350 398 0251 388.8150 146 263.822 245 .7385 237.4398 196 367.786 401 6786 331.0074 147 265.580 243.3707 239.0820 197 370.833 405 3565 333.8142 143 267.351 251 .0365 240.6159 198 378.706 409 0589 335.4354 119 269.133 353 .7001 242.8197 199 375.191 412-7859 337.6719 150 270-928 256 .3914 843.8352 200 377.693 416-5378 339.9228 INSTALMENT LOANS.-Series I. At 9 per cent per annum, monthly compound. Unpaid Balances. When loan is paid up. Interest paid. Column M is the number of months payments are made. " A is what $100 amounts to in from 1 to 200 months. " B is what $1 at the end of each month amoimts to. " C is what $90 amounts to. ^p" Whenever the monthly payment is 1-lOOth of the sum loaned, the loan will he paid up when A and B are equal. MA B c M A B c 1 100.750 1.0000 90.6750 51 146.385 61.8472 131-7466 2 101.508 2.0076 91.3554 52 147.483 63.3111 132-7347 3 102. 287 3.0226 92.0403 53 148.589 64.7859 133-7301 4 103.034 4.0452 92.7308 64 149.704 66.^718 134.7338 5 103.807 5.0766 93.4263 55 150.827 67.7688 135.7443 6 104. 585 6.1136 94.1266 56 161.958 69.2771 136.7622 7 105.370 7.1595 04.8330 57 153.098 70.7967 137.7882 8 106. ISO 8.2132 95.5440 58 154.248 78.3277 138.8214 9 106. 956 9.2748 96.2604 59 155.403 73.8701 139.8627 10 107.758 10.3443 96.9822 60 166.568 75.4241 140.9112 11 108.566 11.4219 97.7094 61 157.742 76.9898 141.9678 12 109.381 12.5076 98.4429 62 158.925 78.5672 143-0326 13 110. 201 13.6014 99.1809 63 160.117 80.1666 144.1053 14 111.028 14.7034 99.9262 64 161.318 81.7577 145.1862 15 111. 860 15.8137 100.6740 65 162.528 83.3709 146.2762 16 112. 699 16.9323 101.4291 66 163.747 84.9961 147.3723 17 113.544 18.0593 102.1896 67 184.975 86.6336 148.4775 18 114.396 19.1947 102.9564 68 166.213 88.2834 149.5917 19 116.254 20.3387 103.7286 69 167.469 89-9456 150.7131 20 116.118 21.4912 104.5062 70 168.715 91.6201 151.8435 21 116.989 22.6524 106.2901 71 169.980 93.3072 152.9820 22 117. 867 23.8223 106.0803 72 171.255 95.0070 154.1295 23 118. 751 25.0010 106.8769 73 172.540 96.7198 155-2860 24 119.641 26.1885 107.6769 74 173.834 98.4450 158.4506 25 120.539 27.3849 108.4851 75 175.137 100.1833 167.6233 26 121.443 28.5903 109.2987 76 176.451 101.9347 158.8059 27 122. 354 29.8047 110.1188 77 177.774 103.6992 159-9966 28 123.271 31.0282 110.9439 78 179.108 105.4769 161-1972 29 124. 196 32.2609 111.7764 79 180.451 107.2680 162.4059 30 125. 127 33.6029 112.6143 80 181.804 109.0725 163.623S 31 126. 066 34.7542 113.4594 81 183.168 110.8906 184.8512 32 127.011 36.0148 114.3099 82 184.542 112.7223 168.0878 38 127.964 37.2849 116.1676 83 185.926 114.5677 167.3334 34 128.923 38.5648 116.0307 84 187-320 116.4269 168.6880 35 129. 890 39.8538 116.9010 85 188.725 118.3001 169.8525 36 130. 865 41.1527 117. 7185 86 190.141 120.1874 171.1269 37 131. 846 42.4614 118.6614 87 191.567 122.0888 172.4103 38 132. 835 43.7798 119.5515 88 193.003 124.0045 173.7027 39 133.831 45.1082 120.4479 89 194.451 125.9345 176.0059 40 134.835 46.4465 121.3615 90 195.909 127.8700 176.3181 41 135. 846 47 ..7 948 122.2614 91 197.379 129.8381 177.6411 42 136.865 49.1533 123.1786 92 198.869 131.8119 178.9781 43 137.891 50.5219 124.1019 93 200.360 133.8005 180.3150 44 138.926 51.9009 125.0334 94 201.853 135.8040 181.6677 45 139.988 53.2901 125.9718 96 203.387 137.8225 183.0303 46 141.017 54.6898 126.9153 96 204.892 139.8562 184.4028 47 142.076 56.1000 127.8676 97 208.429 141.9051 186.7861 48 143.141 57.5207 128.8269 98 207.977 143.9694 187.1793 49 144.214 68.9521 129.7928 99 209.537 146.0491 188.6833 50 145.296 00.3943 130.7864 100 211.108 148.1445 189.9972 iNSTAtMBNT LoANS AT 9%. — Series 1. — Continued. OPBKATIOi^. — Gall amounts In A column a; in B column b ; payments, p. Oall 100th of loan x ; (then, for $965 loan, x=9.6b.) Unpaid balance, R. The balance unpaid at any time on a $100 loan will equal a—bXp Example: $100, 9% loan, $1.20 payments, at 108 mos. a=224.U2; 6=165.483. Hence, 165.483X1.20=198.580; which deducted from 224.112 leaves 25.53= R. The balance unpaid at any time on a $900 loan will equal 9a—bXp, 2d. $900, 9% loan, 10.80 payments, at 108 months. n=224.112; 6=165.483. Hence, 9a=2017.0l; 6Xp=1654.83X10.80=1787.22: and 2017.01-17gr.22=229.79=B A $100 loan Is paid up when a=bXp. SlOOa; will be paid up when xa^ftXp. Or, any loan will be paid up when a equals 6X(p-;-100th of loan.) When xa—bXp is less than the payment, pay balance with last payment. Amount of interest earned at any tlme=(a-100) x, at that time. 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 M 312.0921 214.287 215.894 217.513 219. 14S 220.788 222.444 224.113 225.793 227-487 229.193 230. 912 232.644 234-388 236.146 237-917 239.702 241.500 243. 3U 245.133 248.974 248.827 250.693 252.573 234.437 236.376 238.299 260-236 262.188 264-154 266.135 288.131 270.142 272.168 274.209 a76-26'5 278.338 280.426 282.529 284.648 288.783 288-933 291.100 293.284 295-483 297.699 299.932 303-182 304.448 306.731 150.2556 152-3825 154.5254 156-6843 158-8595 181.0509 163-2588 105-4832 167.7243 169.9823 172.2572 174.5491 176-8582 179.1846 181.5285 183-8900 186-2692 188-6862 191-0812 193.5143 195-9658 198.4354 200.9236 203.4306 205.9563 208.5010 211-0647 213-6477 216.2501 218-8719 221-5135 224.1748 238-8361 229.5576 232-2793 235. 0213 237-7840 240. 5674 243.3716 248.1969 249.0434 231.9112 254.8006 257.7116 280.6444 283-5992 286.5762 869-5730 872.5974 275-6419 191.4228 192.8383 194-3046 193.7617 197.2303 198.7092 200.1996 201.7008 203.2137 204.7383 208.2737 207-8208 209.3796 210.9492 213.5314 214.1353 215.7318 217.3500 218-9799' 320-6224 222.2766 233.9443 333.8237 327.3157 229.0303 830.7384 233.4691 234.2124 335.9692 237.7386 239.5215 241.3179 243.1278 244.9512 246.7881 248.6394 230.5042 252.3834 254.2761 336.1832 258.1047 280.0397 261.9900 363.9556 265.9347 267.9291 269.9388 271.9638 274-0033 276.0579 151 309.038 278.7092 152 311.330 281.7995 153 813.685 384.9130 154 316.037 388.0498 155 818.408 291.2102 156 830.798 294.3943 157 823.203 297 .0022 158 825.626 300.8343 159 838.068 304-0905 160 830.538 307.3712 161 333.007 310.8765 162 835.503 314.0065 163 838.021 317-3618 164 840.536 330-7418 165 843.111 334.1474 166 S45.684 327-5785 167 848.276 331-0353 168 350.889 334-5181 169 353.530 338.0370 170 356.173 341-5632 171 858.843 345-1239 172 361.334 348.7123 173 864.346 352.3277 174 886.978 335-9701 175 389.730 •359-6399 176 872.303 363-3373 177 875.297 387-0622 178 378-111 370.8153 179 380.947 374-5963 180 383.804 378.4058 181 386.683 383.2438 182 389.583 386-1106 183 392.505 390.0065 184 895.449 393.9315 185 398.415 397-8860 186 401.403 401-8701 187 404.413 405.8842 188 407.446 409.9383 189 410.502 414.0028 190 413.581 418.1078 191 416-683 422.2438 192 419-808 428.4104 193 422-956 430.6085 194 436.129 434.8381 195 429.323 439-0994 196 432.544 443.3926 197 435.788 447.7180 198 439.037 432.0759 199 442.350 456.4665 200 445.667 460.8900 INSTALMENT LOANS.-Series I. At 10 per cent per annum, monthly compound. Unpaid Balances. When loan is paid up. Interest paid. Column M is the number of months payments are made. " A is what $100 amounts to in from 1 to 200 months. " B is what $1 at the end of each month amounts to. " C is what $90 amounts to. !^" "Whenever the monthly payment is 1-lOOth of the sum loaned, the loan will he paid up when A and B are equal. MA B C M A B c 1 100.833 1.0000 90-7497 51 158. 690 63-2278 137.4210 2 101.674 2.0083 91.5066 52 153-962 64-7548 138-6658 3 102.581 3.0251 92-2689 53 155.245 66-2944 139.720S 4 103.375 4. 0503 93-037S 54 156.539 67-8469 140.8851 5 104.237 5.0840 U3-8133 55 157.844 69.4123 142.0596 6 105.105 6.1264 04.3945 56 159.159 70.9907 143.2431 7 105.981 7-1775 03-3829 57 160.485 72.5823 144-4365 8 106.864 8.2373 96.1776 58 161.823 74.1871 145.6407 9 11)7 .755 9.3059 ^6-9795 59 163-171 75-8054 146-8539 10 108. G53 10.3835 97-7877 60 164.531 77.4371 148.0779 11 109.558 11-4700 98-8022 61 165.902 79-0824 148.3118 12 110.471 12.5656 99-4239 62 167.285 80.7414 150. 5565 13 111.392 13-6703 100 2528 63 168.679 82-4142 151. 8111 14 112.320 14.7842 101-0880 64 170.084 84-1010 153.0756 15 113.256 15.9074 101-9304 65 171.502 85-8010 154. 3518 16 114.200 17.0400 102-7800 66 172.931 875109 155.6379 17 115.152 18.1820 103.6368 67 174-372 89.2462 156.9348 18 116.111 19.3333 104.4999 68 175-825 90-9899 158.2425 19 117.079 20.4946 105.3711 69 177-200 92-7482 159.5610 20 118.054 21.6634 106.2486 70 178.768 94-5211 160-8912 21 118.038 22.8439 107.1342 71 180.257 96.3087 162.2313 22 120.030 24.0363 108.0270 72 181.759 98.1113 163.5831 23 121.031 23.2366 108.9279 73 183.274 99.9289 164.9466 24 122.039 26.4469 109.8351 74 184.801 101.7616 166.3209 25 123. 058 27.6673 110.7504 75 186.341 103.6087 167.7069 26 124.082 28.8979 111. 6738 76 187.894 105.4731 169.1046 27 125.116 30.1387 112.6044 77 189.460 107.3520 170.5140 28 126.138 31.3898 113-5422 78 191.039 109.2466 171.9361 29 127.210 32.6514 114-4890 79 192.631 111.1570 173-3679 SO 128.270 33.9235 115.4430 80 194.236 113.0833 174-8124 31 129.339 35.2062 116-4051 81 195.855 115-0257 176-2695 32 130.416 36.4990 117-3744 82 197-487 116.9842 177 7383 83 131.503 37.8038 118-3527 83 199-133 118.9391 179.2187 34 132.599 39.1188 119. 3301 84 200.792 120.9504 180.7128 35 133.704 40.4448 120-3336 85 202.465 122.9583 182.2185 36 134.818 41.7818 121.3362 86 204.152 l:i4.9830 183.7368 37 135.942 43.1300 122.3478 87 205.854 127.0245 185.2686 38 137.075 44.4894 123.3675 88 207. 569 129.0831 186.8121 39 138-217 43.8602 124.3953 89 209.299 131.1587 188.3691 40 139-369 47.2423 125.4321 90 211.043 133.2517 189.9387 41 140.530 48.6360 126.4770 91 212.802 135.3622 191.6218 42 141-701 50.0413 127.5309 92 214.575 137.4902 198.1175 43 142-882 51.4383 128.5938 93 216.363 139-6359 194-7267 44 144-073 52.8871 129-6657 94 218.166 141.7996 106-3494 45 143.273 54.3279 130.7457 95 219 984 143-9812 197.9856 46 146.484 55.7808 131. 8356 96 221.818 146-1811 199.6362 47 147-705 57.2454 132-9345 97 223.666 148-3893 201.2994 48 148-935 58.7225 134-0415 98 225.530 150-6359 202.9770 49 150-177 60.2118 135-1593 99 227.409 152-8912 204.6681 50 151-428 61. 7138 136-2852 100 229-304 155.1653 206.8736 Instalment Loans at 10%. — Series 1. — Continued. Operation.— Oall amounts In A column a; in B column 6 ; payments, p. Call lOOtli of loan a; ; (then, lor $965 loan, a;=9.65.) Unpaid balance, B. The balance unpaid at any time on a $100 loan will equal a—bXp Example: $100, 10% loan, $1.20 payments, at 108 moa. a=245.045; 6=174.054. Hence, 174.054X1.20=208.868 ; -which deducted from 246.045 leaves 36.18= B. The balance unpaid at any time on a $900 loan will equal 9a— 6Xp. 2d. $900, 10% loan, 10.80 payments, at 108 months. a=245.045; 6=174.054. Hence, 9a=2205.40; 6Xp=1740.54X10.80=1879.78: and 2205.40 -1879.78=325.62=R A $100 loan Is paid up when a=6Xj). $100a: will be paid up when xa=6XP. Or, any loan will be paid up when a equals 6X(p-i-100th of loan.) When xa— 6Xi) Is leas than the payment, pay balance with last payment. Amount of Interest earned at any tlme=(a-100) x, at that time. MA B C M ABC 101 231.215 157.4583 208.0935 151 350.125 300.1497 315.1125 102 933.143 159.7705 209.8278 152 353.042 303.650U 317.7378 103 235. 085 162.1019 211.5765 153 355.984 307.1813 320.3856 104 237.044 164.4528 213.3396 154 358.951 310.7412 323.0559 105 239. 019 166.8232 215.1171 155 361.942 314.3307 325.7178 106 241.011 169.2134 216.9099 156 364.958 317.9501 328.4622 107 243.030 171.6235 218.7180 157 368.000 321.5997 331.2000 108 245.045 174.0537 220.5405 158 371.066 325.2797 333.9591 109 347.087 176.5043 222.3783 159 374.159 328. 9901 336.7431 110 249.146 178.9750 231.2314 160 377.277 332.7319 339.5493 111 351.222 181.4665 226.0998 161 380.421 336.6047 342.3789 112 853.316 183.9787 227.9844 162 383.591 310.3089 345.2319 113 255.427 186.5119 229.8843 163 386.787 344.1448 348.1083 114 257.555 189.0661 231.7995 164 390.011 348.0127 351.0099 115 259.701 191.6417 233.7309 165 393.261 351.9128 353.9349 116 261.866 194.3387 235.6794 -166 396.538 355.8454 356.8843 117 264.048 198.8573 237.6432 167 399.842 359.8108 359.8578 118 386.248 199.4978 239.6232 168 403.174 363.8092 363.6566 119 868.467 202.1603 841.6203 169 406.534 367.8109 365.8806 120 270.704 804.8450 843.8336 170 409.922 371.9063 368.9398 121 872.960 207-5520 245.6640 171 413.338 376.0055 372.0048 122 373.235 810.2816 247.7115 172 416.782 380.1389 375.1038 123 377.528 813.0340 249.7752 173 420.256 384.3067 378.2304 124 379.841 816.8093 251.8569 174 423.758 388.5093 381.3833 125 383. 173 218.6077 253.9557 175 427.289 392.7468 384.5601 126 884. 534 221.4294 856.0716 176 430.850 397.0197 387.7650 127 386.896 224.2746 258.2064 177 434.440 401.3282 390.9960 128 289.286 227.1436 280.3574 178 438.061 405.6728 394.2549 129 391.697 830.0365 263.5273 179 441.711 410.0533 397.5399 130 894.128 232.9534 884.7153 180 445.392 414.4703 400.8528 131 296.579 835.8947 288.9311 181 449.104 418.9343 404.1936 132 299.050 838.8605 869.1450 182 452.848 423.4153 407.5814 133 301. 542 841.8510 271.3878 183 456.620 437.9438 410.9580 134 304.055 844.8664 873.6495 184 460.425 432.5100 414.3825 135 306.589 847.9070 275.9301 185 464.262 437.1142 117.8358 136 309.144 850.9789 378.3298 186 468.131 411.7568 421.3179 137 3U.720 254.0643 280.5480 187 472.032 446.4381 424.8288 188 314.318 857.1815 282.8862 188 475.965 451.1585 428.3685 139 316.937 880.3247 285.2433 189 479.932 455.9181 431.9388 140 319.578 863.4941 287.6202 190 483.931 480.7174 135.5379 141 322.243 868.8898 290.0178 191 487.964 165.5567 139.1676 142 334.927 869.9123 292.4343 192 492.030 170.4361 112.8270 UH 327.635 373.1615 294.8715 193 496.131 175.3567 146.5179 144 330.385 276.4379 297.3285 194 500.265 480.3180 450.2385 145 333.118 279.7415 299.8062 195 504.434 185.3206 453.9906 146 335.894 283.0727 302.3046 196 508.637 190.3650 457.7733 147 338.693 286. 4318 304.8237 197 512.876 195.1513 461.5884 148 341.515 289.8186 307.3635 198 517.150 500.5801 465.4350 149 344.361 293.2337 309.9249 199 521.460 505.7516 469.3140 150 347.231 298.6773 818.6070 200 525.805 510. 9662 473.2245 INSTALMENT LOANS.-Series I. At II per cent per annum, monthly compound. Unpaid Balances. When loan is paid up. Interest paid. Column M is the number of months payments are made. " A is what 35100 amounts to in from 1 to 200 months. " B is what $1 at the end of each month amounts to. " C is what $90 amounts to. B^" "Whenever the monthly payment is 1-lOOth of the sum loaned, the loan will be paid up when A and B are equal. MA B C M A B c 1 100.917 1.0000 90.8253 51 159.260 84.6477 143.3340 2 101.842 2.0092 91.6578 52 160.720 66.2403 144.6480 3 102.775 3.0276 92.4975 63 162.194 67.8475 145.9746 4 103.717 4.0553 93.8453 54 183.680 69.4694 147.3120 5 104.868 5.0925 94.2012 55 165.181 71.1062 148.6629 6 105.628 6.1392 95.0652 66 166.695 72.7580 150.0855 7 108.596 7.1955 95.9364 57 188.223 74.4250 151.4007 8, 107-573 8.2614 96.8157 58 189.765 76.1072 152.7885 9 108.559 9.3372 97.7031 59 171.321 77.8049 154.1889 10 109.554 10.4227 98.5986 60 172.892 79.5181 155.6028 11 110.558 11.5183 99.5022 61 174.476 81.2470 157.0884 12 111.572 12.6239 100.4148 62 176.076 82.9918 158.4684 13 112.595 13.7398 101.3355 63 177.690 84.7525 159.9210 14 113.627 14.8655 102.2643 64 179.319 88.5294 161.3871 15 114.688 16.0018 103.2012 65 180.962 88.3226 162.8658 16 115.719 17.1485 104.1471 66 182.821 90.1322 164.3589 17 116.780 18.3057 105.1020 67 184.295 91.9584 165.8666 18 117.851 19.4735 106.0659 68 185.985 93.8014 167.3865 19 118.931 20.6520 107.0379 69 187.889 95-6612 168.9301 20 120.021 21.8413 108.0189 70 189.410 97.5381 170.4890 21 121.121 23.0415 109.0089 71 191.146 99.4322 172.0314 22 122.832 24.2527 110.0088 72 192.898 101.3437 173.6082 23 123.353 25.4750 111.0188 73 194.667 103.2727 175.2003 24 124.483 26.7088 112.0347 74 196.451 105.2193 176.8059 25 125.624 27.9534 113.0618 75 198.252 107.1839 178.4288 26 126.775 29.2096 114.0975 76 200.089 109.1664 180.0621 27 127.938 30.4774 115.1442 77 201.903 111.1871 181.2127 28 129.110 31.7568 118.1990 78 203.754 113.1881 183.3788 29 130.294 33.0479 117.2646 79 205.622 115.2236 185.0598 30 131.488 34.3508 118.3392 80 207.507 117.2798 186.7563 31 132.694 35.8657 119.4248 81 209.409 119.3549 188.4681 32 133.910 38.9928 120.5190 82 211.328 121.4490 190.1952 33 135.137 38.3317 121.8233 83 213.285 123.5623 191.9386 34 136.378 39.6331 122.7384 84 215.220 125.6949 193.6980 35 137.626 41.0469 123.8634 85 217.193 187.8471 195.4737 36 138.888 42.4231 124.9992 86 219.184 130.0191 197.2656 37 140.161 43.8120 126.1449 87 221.193 138.2109 199.0737 38 141.446 45.2138 127.3014 88 223.221 134.4228 200.8989 39 142.742 46.6281 128.4678 89 225.267 136.6551 202.7403 40 144.051 48.0555 129.6459 90 227.338 138.9077 204.5988 41 145.371 49.4960 130.8339 91 229.415 141.1811 808.4735 42 146.704 50.9497 132.0336 92 231.519 143.4752 808.3671 43 148.049 52.4168 133.2441 93 233.641 145.7904 210.2769 44 149.406 53.8972 134.4654 94 235.783 148.1268 212.2047 45 150.775 55.3913 135.6975 95 237.944 150.4848 814.1498 46 152.157 56.8991 136.9413 96 240.185 168.8641 816.1125 47 153.552 58.4208 138.1968 97 242.327 155.2853 818.0943 48 154.960 69.9562 139.4840 98 244.648 157.6886 220.0938 49 156.380 61.5057 140.7420 99 246.790 160.1341 882.1110 60 157.814 63.0696 142.0326 100 1 849.052 162.6080 284.1468 Instalment Loans at 11 fo. — Series 1. — Continued. Operation. — Oall amounts In A coiumn a; in B column 6 : payments, p. Call 100th of loan a;; (then, for $965 loan, x=9.65.) Unpaid balance, H. The balance unpaid at any time on a $100 loan will equal a—bXp Example: $100, 11% loan, $1.20 payments, at 108 mos.