Wright's formula of calculating power and income

1.

1. The formula of annuity final value is f = a (F / A, I, n)

annuity a = 7000, interest rate is I = 5%, the coefficient of annuity final value after n = 30 period is recorded as (F / A, 5%, 30), and the coefficient of annuity final value is [(1 + 5%) ^ 30-1] / 5%, which can be obtained by querying the table of annuity final value coefficient

2. It can be obtained by using FV function in Excel, as shown in the figure:

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2. Generally speaking, the income of investors mainly includes interest and reward. The interest is fixed, and the reward varies from platform to platform. When some platforms just go online or do activities, they usually increase the interest of the reward< The calculation formula is as follows:
interest = {1 + (term / year) × Annualized yield} × Principal
reward = principal × Reward rate
now the interest rate announced by P2P platform to investors is generally annualized rate of return, which is not simply multiplied by the principal, but determined according to the loan term. Assuming that a platform gives an annualized rate of 12% and the loan term is 6 months, the actual rate of return is (12% ÷ 12X6
Third, income calculation method: monthly interest payment and principal repayment at maturity
it's easy to understand, that is, first calculate all the interest income, then return it on a monthly average, and then return all the principal of the investor when the project is e. Take investment and loan as an example, the standard annual income of a loan is 12%, and the term is 6 months. If an investor lends 10000 yuan, the actual income is (12% ÷ 12) If x 10000 yuan x 6 months = 600 yuan, the monthly interest will be 100 yuan and the principal will be 10000 yuan after 6 months
Fourth: income calculation method - one-time repayment of principal and interest
as for this method of repayment, it is generally applicable to short-term and small loan projects. The characteristics of this method of repayment are the same for investors and borrowers, that is, it is simple and clear, so there is no need to repeat it
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fifth: income calculation method equal principal and interest
equal amount of principal and interest is the sum of the total amount of loan principal and the total amount of interest eventually obtained, that is, the total amount to be paid back by the borrower, and then the total amount is returned to the investor every month according to the specified repayment period
from the perspective of investors, this repayment method has two obvious advantages:
1. It brings great capital flexibility: from the first month, investors can get so much principal and interest every month, so investors don't have to worry about the situation that the principal can't be returned in time e to the long investment period. The capital has realized the advantageous flexible turnover in the equal principal and interest project
2. Bring high compound interest income: you can use the monthly returned principal and interest for reinvestment of other projects, even a small amount of money can also achieve high compound interest income for you. This is the best choice for you who are proficient in investment and good at "making money with money".

3.

Investment profit rate = annual profit before interest and tax or annual profit before interest and tax / total project investment * 100% (profit before interest and tax = sales revenue variable cost fixed cost = net profit / (1-income tax rate) + interest expense = net profit + income tax expense + interest expense = total profit + Interest expense)

function significance

investment return rate reflects investment profitability. When the ratio is significantly lower than the company's return on net assets, it indicates that its foreign investment is a failure, and the structure and projects of foreign investment should be improved; When the ratio is much higher than the return on net assets of general enterprises, there is a suspicion of profit manipulation, and the rationality of each income should be further analyzed

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extended data

profit before interest and tax

1, profit margin

operating profit before interest and tax = (net profit + income tax + financial expenses) / operating income

2, change rate

change rate of profit before interest and tax = change rate of earnings per share of common stock ÷ Financial leverage ratio

profit rate before interest and tax = operating leverage ratio × Sales volume change rate

4. One loop does not say how many temperature sensors can't be installed, only one loop can't install more than a certain number of equipment with address code, including smoke sensor, temperature sensor, manual alarm, sound light hydrant button control mole, signal mole, etc. each manufacturer has its own specific number of equipment that a loop can bring

5. Generally, there are two wires for thermocouple and three wires for thermal resistance
one thermocouple of the three wires is a common couple material, which forms two groups of thermocouples with the other two wires
thermocouple is a kind of temperature sensor, which is the same as thermal resistance.

6. After three withdrawals of 200 yuan, I couldn't get to the account, and I couldn't get to the account for the fourth withdrawal. On the last day, I made a bill and sealed it to me. It's a liar. I also encountered this problem, my number has not been sealed, is not a liar do not know?