If you use Excel to model businesses, business processes, or business transactions, this course will change your life. You’ll learn how to create tools for yourself that will amaze even you. Unrestricted use of this material is available in two ways.

As a stand-alone Web site
It resides on your computer, and you can use it anywhere. No need for Internet access.
At this Web site
If you have access to the Internet whenever you want to view this material, you can purchase on-line access. Unlimited usage. I’m constantly making improvements and you’ll get them as soon as they’re available.

To Order On Line

 Order "Spreadsheet Models for Managers, on-line edition, one month" by credit card, for USD 69.95 each, using our secure server, and receive download instructions by return email.
 Order "Spreadsheet Models for Managers, on-line edition, three months" by credit card, for USD 199.00 each, using our secure server, and receive download instructions by return email.

To Order by Mail

 Make your check payable to Chaco Canyon Consulting, for the amount indicated: For the download: USD 199.00 For access online for three months: USD 199.00 For access online for one month: USD 69.95 And send it to: Chaco Canyon Consulting 700 Huron Avenue, Suite 19C Cambridge, MA 02138

To use the course software you’ll need some other applications, which you very probably already have. By placing your order, you’re confirming that you have the software you need, as described on this site.

 Non-uniform future value
• Future value with non-uniform payments can be computed period-by-period. The technique relies on linearity:
• The future value of a sum is the sum of the future values
• Example F.
• Interest over a 4-year period is 4% (compounded annually)
• Payments are 2,500; 2,500; 3,200; 4,200, made at the beginning of each period.
• How much is available at the end of year 4?
• When payments are made at the beginning of the period, fv is equivalent to Convolve (Example G)
• Convolve may be more convenient for non-uniform payments
• Interest rate must be constant

So what do you do if the payments are non-uniform? It turns out that Convolve can help, but only if interest is constant and the payments are made at the beginning of the period.