Formulas for calculating Loan payments in Microsoft Excel

Formulas that calculate loan payments, interest,  principal and more are found in the financial category in the Paste Function dialog box. In the screen shot is a list of functions and necessary syntax for loan calculations. See the formulas in the gray cells, and the syntax in rows 12-16.

Syntax for loan calculation functions
Rate - The interest rate per period.
Per - The period for which the interest rate is calculated.
Nper - The total number of payments.
Pv - The present value, the total amount that a series of future payments is worth now.

Type - The timing of the payment, either at the beginning or end of the period. Numbers 0 or 1 represent the payment date. The number 0 represents payment at the end of the period, and the number 1 represents payment at the beginning of the period. The default (empty argument) is 0. The calculation is at the end of the period.
PMT (Rate, Nper, -Loan Amount)
  • Calculates the payment for a loan based on constant payments and a constant interest rate.
  • Returns the regular monthly payment on the loan (principal + interest) when the interest for each of the monthly payments is constant.
  • Example: The principal of a loan is $100,000, and the term of the loan is three years. The monthly payment during the term of the loan is calculated at $3,227; see column B in the figure below.
PPMT (Rate, Which Period, Nper, -Loan Amount)
  • Returns the amount on the principal for a given period for a loan based on periodic, constant payments and a constant interest rate.
  • Returns the sum of the principal within the monthly payment (the monthly payment is comprised of the principal + interest). See various examples of calculations in column C, rows 8:10, and the formula syntax in rows 14:16.
  • IPMT (Rate, Which Period, Nper, -Loan Amount)
  • Returns the interest payment for a given period for a loan based on periodic, constant payments and a constant interest rate.
  • Returns the amount of the interest within the monthly payment (the monthly payment is comprised of the principal + interest). See the calculation in cell G11 and the formula syntax in G13.
NPER (Rate, Pmt, -Loan Amount)
  • Returns the number of loan payments with a constant interest rate. See the formula syntax in D12.
RATE (Nper, Pmt, -Loan Amount)
  • Returns the interest rate per period of a loan. RATE is calculated by iteration and can have zero or more solutions.
  • Returns the percentage of interest on the loan, when the number of payments is constant.
PV (Rate, Nper, Pmt)
  • PV is the present value — the total amount that a series of future payments is worth now.
  • Returns the current value for a series of payments with a constant interest rat


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The Best Shortcut Keys in Microsoft Excel

Now It can be easy to work with excle if You know its shortcut keys. The brings a great collection of Shortcut Keys for You 

Microsoft Excel Best Shortcut Keys


Multiple Paste,
Ctrl+S, Ctrl+F4, Alt+F4
Save, Close,
to edge of region
Ctrl+* Select
current region
all cells
last cell in used range
from active cell to last cell in used range.
from active cell to A1
to the next sheet,
to the previous sheet
to next open workbook
new workbook
new worksheet
function window
new function
name, Paste name
columns, Select rows
Ctrl+B, Ctrl+U
cells, Bold, Underline
, Ctrl+shift+:
date, Current time

Now enjoy work with excel....

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Trick for changing drives icon

To change the drive`s icon you can follow below steps. 

Step 1: First of all copy a icon file to the root of the drive
             example: c:\icon.ico 

Step 2: Then create a file called: autorun.inf in c:\autorun.inf 

Step 3: then open that file and type the following:[autorun]icon=icon.ico save and close the file. 

Now open my computer and refresh.. and woh! icon can apply to other drives too.

Be careful:"autorun.inf" and "ico.ico" must be in the root of the drive.example: c:\autorun.inf and c:\icon.ico.same on the root.

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Make XP boot even Faster

To disable not usuful startup services for a safer, faster XP, just use the "Services" Admin Tool (Control Panel > Administrative Tools > Services). If you are a single user of a non-networked machine, you can disable the following items, with no ill effect.

Computer Browser
Fast User Switching
Human Interface Access Devices
Indexing Service (Slows the hard drive down)
Net Logon (unnecessary unless networked on a Domain)
Netmeeting Remote Desktop Sharing (disabled for extra security)
Remote Desktop Help Session Manager (disabled for extra security)
Remote Procedure Call Locator
Remote Registry (disabled for extra security)
Routing & Remote Access (disabled for extra security)
SSDP Discovery Service (this is for the utterly pointless "Universal P'n'P", & leaves TCP Port 5000 wide open)
Telnet (disabled for extra security)
Universal Plug and Play Device Host
Upload Manager
Windows Time
Wireless Zero Configuration (for wireless networks)

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Keyboard Tricks That Few People Know About

I provide you  shortcuts for Windows XP and Firefox that almost you do not aware with them . These may work in other applications also.

Windows XP

1. [SHIFT] + [alt] + [PrntScrn] – high contrast

A window will open, click OK or simply hit [Enter]. This will enlarge the font on all open Windows and change colors to high contrast. For example the desktop will turn black, what was black text on white background will be reversed. Clicking the same key combination again reverts the changes.

2. [Ctrl] + [alt] + [up/down/left/right arrow] – rotate screen

This won’t work on every machine as it depends on your graphics card and video drivers. However, if it does work, it will rotate your desktop.

3. [Ctrl] + select items from taskbar, right-click selected – mass control open windows

cool keyboard tricksYou need to hold the [Ctrl] key while selecting open windows from the taskbar. To open the menu seen on the left, right-click any of the selected items.

This can save a ton of time wasted on rearranging windows.

4. [Alt] + [Tab] – switch between running programs

A little window will launch showing all open programs. Click the [Tab] key to jump to the next application, release keys to open the selected one.

5. [SHIFT] + [Del] – bypass Recycle Bin

Selecting a file and pressing the combination above will invoke a delete confirmation dialog. Clicking ‘Yes’ will delete the file without sending it to the Recycle Bin.

6. [Windows] + [D] – show desktop or restore open windows

This is the keyboard shortcut to the respective quick launch taskbar icon.

7. [Windows] + [L] – lock system

An easy way to quickly protect and lock your system. When you log back in, all programs will still be running and windows will appear just the way you left them.

8. [Ctrl] + [Z] and [Ctrl] + [Y] – undo and redo

I’m sure you all know that you can undo changes using the [Ctrl] + [Z] shortcut. Wouldn’t it be awesome to have this feature outside the computer?  Anyways, you can undo an undo, i.e. redo what you did using the [Ctrl] + [Y] key combination.

9. [Windows] + [R], type cmd, hold [Ctrl] + [SHIFT] and hit Enter – run command prompt as Administrator

The command prompt will now be run as Administrator.

10. Create your own keyboard trick!

cool keyboard tricksAre there folders or applications you need a lot?  Why not create your own keyboard shortcut to quickly access these tools?

This will only work for shortcuts located on your desktop!

First you need to create an actual desktop shortcut. Right-click on the application and select > Create Shortcut from the context menu. Make sure the shortcut sits on your desktop. Now right-click the shortcut and select > Properties. You should see a line that says “Shortcut Key: ”. Click that line and then click a letter ony our keyboard, for example P. A shortcut will be created, in this example [Ctrl] + [alt] + [P]. And there you go, now you have your own personal shortcut key.

1. [Ctrl] + [1] to [9] – jump to tab numbers 1 to 8 or last tab (9)

Rather than scrolling through all your open tabs, you can quickly navigate to a specific tab if you know its position. For example, clicking [Ctrl] + [4] will open to tab number 4 (from the left). With [Ctrl] + [9] you will jump to the very last tab, no matter how many you have open.

2. [Ctrl] + [Tab] or [Ctrl] + [SHIFT] + [Tab] – move up/right or down/left in tabs

Neat shortcut to move between tabs.

3. [/] or ['] – Find As You Type Text or Link

Firefox has a neat search feature, which is Find As You Type. When you click the [/] key before starting to type your search, Firefox will only search in text. Likewise, clicking the ['] key will only find links.

cool keyboard tricks

4. [Ctrl] + mouse wheel – change font size

With the new generation high resolution screens we often find that text on websites is way too small to read properly. Here is a little trick that can quickly increase the font size for better reading.

While you hold down the control key, move your mousewheel to increase or decrease the font size in Firefox. This will also work in other programs, for example Word.

This is also very useful for making a website fit your window size, rather than to adapt the browser window.

keyboard tricks

5. [Ctrl] + [F4] – close tab

A quick, mouseless way to close a tab.

6. [alt] + [F4] – close window

This will rapidly shut down Firefox.

7. [Ctrl] + [SHIFT] + [T] – open closed tab/s

Did you accidentally close that tab? Re-open it using this key combination.

8. [Spacebar] or [SHIFT] + [Spacebar] – scroll PageDown or PageUp

Give your mouse wheel a break and use the spacebar to move up and down a website.

9. [F7] – caret browsing

Caret browsing allows you to select and copy text from web pages using the keyboard.

keyboard tricks

10. [F11] – toggle full screen
Quickly change into full screen mode.

Find out about more shortcuts for Firefox, Windows and more Windows.  Also find out your favourite Firefox shortcut in our Poll.

Which ones are your favorites that didn’t make it to the list above?

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Simple But Amazing Tricks In PC

We can do many thing using run command here one of that trick I have posted that is really amazing. Enjoy.....

Go to Run command and type ... See what it opens

Type 3 Dots ... See what it opens

Type 2 Dots .. See what it opens

type 1 Dot . See what it opens

Harmless small trick.. Use it for fun..

Open Microsoft Word

Put this =rand(200,99) then Press enter

Even Bill Gates dint said about this i guess !!

Make a comment and Follow my Blog if You like my Blog

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Latest Chat emotion codes for facebook chat

Hi ,Friends the days are gone when facebook has a littel chat emotions. Now we can do lots of thing in facebook using emotion pictures.Like How to use colorful text / words / alphabets in facebook chat or How to add your friends profile pic in facebook chat.

Try following code to chat in your face book.


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How to Access Websites That Won’t Load

Sometimes When we click a link to open it,The our browser show a error page. But if It is neccessery for us to open the website then trickblast4u has got some solution for it. The are as below.......

Google Cache

Google Cache, which we’ve covered along with other Google search hacks, is a quick way to view a misbehaving website. Google’s cache links used to be front and center on its search page, but they’re now hidden behind an arrow that appears when you hover over a search result.

There’s a faster way to access cached pages that you may not be aware of. Just type cache:into the search box, followed by the address of the webpage you want to access.

Google doesn’t cache images, so you may need to use the Text-only version link.

Bing users aren’t left out. Bing has a Cached page link hidden behind an arrow, too.

Coral CDN
The Coral content distribution network is ideal for accessing websites that are down due to a high amount of traffic — maybe they’ve been linked to on Slashdot or Reddit.

Using it is as simple as adding to the domain name of a website or webpage. So, if you want to access MakeUseOf’s homepage through it, you’d use ““. If you wanted to access the MakeUseOf post I just linked to, you’d use ““.
If this sounds a bit complicated, don’t worry – you can also access the Coral CDN Homepage and plug in a website or webpage address.

The Wayback Machine

We’ve covered’s Wayback Machine extensively in the past. Not only is it a way to view a website that won’t load, it’s a way to travel back in time and view what websites used to look like. This tool is indispensable if you’re trying to access a website that’s been down for a while, or view a specific page that’s been removed.

Visit the, plug in a website address and click Take Me Back.


If the post is helpfull to you comment me.......

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