   INSTRUCTIONS FOR DISRAT,SAVING,TRUINT,GROWTH,ANNUIT,CPM


DISRAT
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PURPOSE: TO CALCULATE THE DISCOUNTED RATE OF RETURN(PERIOD AND
CONTINUOUS), THE DOUBLE-LIFE, AND THE PAYBACK PERIOD FOR A
SEQUENCE OF CASH FLOWS

INSTRUCTIONS: TO USE THE PROGRAM , ENTER INPUT DATA IN THE 
FOLLOWING FORMAT:

   10 DATA FLOW(1),. . .,FLOW(N)
   RUN

ADDITIONAL INSTRUCTIONS MAY BE FOUND ON THE LISTING.


ANNUIT
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PURPOSE: TO PERFORM THE CALCULATIONS NECESSARY FOR DETERMINING BOTH
PAYMENT AND WITHDRAW@L ANNUITIES.

INSTRUCTIONS: SUPPLY VALUES FOR THE TARIABLES AS REQUIRED BY THE
PROBLEM,
VARIABLES ARE DENOTED AS FOLLOWS:

   N=NUMBER OF PERIODS
   P=ORIGINAL PRINCIPAL AMOUNT
   A=TOTAL AMOUNT AT END OF N PERIODS
   I=INTEREST RATE PER PERIOD, IN PERCENT
    R=AMOUNT OF PAYMENT/WITHDRAWAL EACH PERIOD

FOR A PAYMENT ANNUITY, YOU MAY GIVE ANY THREE OF N,A,I,R AND FIND
THE FOURTH.
FOR A WITHDRAWAL ANNUITY, YOU GIVE ANY THREE OF N,P,I,R AND FIND
THE FOURTH.
FOR LOAN OR MORTGAGE, USE THE WITHDRAWAL ANNUITY OPTION.
AFTER EACH CASE, YOU MAY CHOOSE ONE OF THE FOLLOWING
ALTERNATIVES:

1=ANOTHER CASE, SAME UNKNOWN VARIABLE
2=ANOTHER CASE, DIFFERENT UNKNOWN
3=ANOTHER CASE, OTHER TYPE OF ANNUITY
4=TOTAL INTEREST PAID OVER N PERIODS
5=TABLE OF WITHDRAWALS, PRINCIPAL, AND INTEREST
6=STOP PROGRAM

ADDITIONAL INSTRUCTIONS MAY BE FOUND IN THE LISTING.

CPM
---
PURPOSE: TO FIND THE CRITICAL PATH(S) IN A NETWORK COMPOSED OF
EVENTS INTERCONNECTED BY ACTIVITIES, AND TO COMPUTE PROJECT
DURATION AND TOTAL COST.  PRIOR TO FINDING THE CRITICAL PATH(S)
CHECKS OF THE NETWORK ARE MADE FOR (1) MULTIPLE STARTS, (2) MULTIPLE
ENDS, (3) DUPLICATE ACTIVITIES, AND (4) ILLOGICAL LOOPS.

INSTRUCTIONS: DATA IS ENTERED IN THE FOLLOWING FORMAT BY ACTIVITIES:

    1  DATA I,J,D,A,. . . . .,I(K),J(K),D(K),A(K)

(CONTINUE ON LINES 2-999 AS NEEDED)

WHERE:
 I=STARTING EVENT FOR THE ACTIVITY
 J=ENDING EVENT FOR THE ACTIVITY
 D=DURATION OF THE ACTIVITY
 A=COST OF THE ACTIVITY
 K=NUMBER OF ACTIVITIES IN THE NETWORK

ADDITIONAL INFORMATION MAY BE OBTAINED BY LISTING THE PROGRAM
CPMEXP.

SAVING
------
PURPOSE: TO CALCULATE THE AMOUNT OF MONEY THAT WOULD ACCUMULATE
AFTER N YEARS AT AN ANNUAL INTEREST RATE,R COMPOUNDED
T TIMES PER YEAR, WHEN THE INITIAL AMOUNT IS P AND AN AMOUNT D
IS ADDED AT THE BEGINNING OF EACH SUBSEQUELT YEAR.
 
INSTRUCTIONS: TO USE THIS PROGRAM ENTER THE DATA AS REQUESTED.

NOTE: P AND D MUST BE GIVEN IN DOLLARS, N AND T IN INTEGERS,
AND R AS A PERCENTAGE,

ADDITIONAL INSTRUCTIONS MAY BE FOUND IN THE LISTING.


TRUINT
------
PURPOSE: TO CALCULATE THE TRUE ANNUAL INTEREST RATE CHARGED
ON AN INSTALLMENT LOAN.

INSTRUCTIONS:  TO USE THIS PROGRAM SIMPLY SUPPLY VALUES FOR THE 
FOUR VARIABLES-

    A=AMOUNT OF LOAN ($)
    P=AMOUNT OF EACH PAYMENT($(
    N=THE TOTAL NUMBER OF PAYMENTS DUE
    K=THE NUMBER OF PAYMENTS DUE IN ONE YEAR

ADDHTIONAL INSTRUCTIONS MAY BE FOUND IN THE LISTING.


GROWTH
------
PURPOSE: TO CALCULATE GROWTH RATES USING DATA
REPRESENTING A NUMBER OF EQUISPACED PERIODS.

INSTRUCTIONS:  ENTER DATA (XEROES AND NEGATIVE VALUES NOT PERMITTED)
ACCORDING TO THE FOLLOWING FORMAT:

   10 DATA DATA(1),.,..,DATA(N)
   50 DATA I(OPTIONAL...I=3 BUILT-IN)

NOTE: THE COMPUTED RATE MAY BE PROJECTED FORWARD FOR N ADDITIONAL
PERIODS BY ENTERING DATA AT LINE 50.

ADDITIONAL INSTRUCTIONS MAY BE FOUND IN THE LISTING.
