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TABLE II. Showing the amount of 17. or dollar, from 1 year to 46.

yr 3 per ct. 4 per ct. 14 per ct. 5 per ct. | 5 per ct.

6 per ct. 1.0350000 1.0400000 1.0450000 1.0500000 1.0550000 1.0600000 1.0712250 1.0816000 1.0920250 1.1025000 1.1130250 1.1236000 31.1087178 1.1238640 1.1411661 1.1576250 1.1742413 1.1910160 41.14752301.1698585 1.1925186 1.2155062 1.2388246 1.2624769

1.1876863 1.2166529 1.2461819 1.2762815 1.3069598 1.3312256 61.2292553 1.2653190 1.3022601 1:3400956 1.3788426 1.4185191 7 1.2722792 1.3159317 1.3608618 1.4071004 1.4546789 1.5036302 81.3168093 1.3685690 1.4221006 1.4774554 1.5346862 1.5938480 91.3621973 1.4233118 1.4860951|1.5513282 1.6190939 1.6894789 10 1.4105987 1.4802442 1.5529694 1.6288946 1.7081440 1.7908476 11 1.4599697|1.5394540 1.6228530 1.7103393 1.8020919 1.8982985 12 1.5110686 1.6010322 1.6958814 1.7958563 1.9012069 2.0121964 13 1.5630560 1.6650735 1.7721961 1.8856491 2.0057732 2.1329282 14 1.6186945 1.7316764 1.8519449 1.9799316 2.1160907 2.2609039 15 1.6753488 1.8009435 1.9362824 2.0789281 2:2324756 2.3965581 16 1.7339860 1.8729812 2.0223701 2.1828745 2.3552617 2.5403517 17 1.7946755 1.94790052.1133768 2.2920183 2.4848011 2.6927727 18 1.8574892 2.0258161 2.2084787 2.4066192 2.6214652 2.8543391 19/1.9225013 2.1068491 2.3078603 2.5269502) 2.7656458 3.0255995) 20 1.9897888 2.1911231 2.4117140 2.6532977 2.9177563 3.2071355 212.0594314 2.2787680 2.5202411 2.7859625 3.0782329 3.3995636 22 2.1315115 2.3699187 2.6336520 2.9252607 3.2475357 3.6035374 23 2.2061144 2.4647155 2.7521663 3.0715237 3.4261502 3.8097496| 24/2.2833284 2.5633041 2.8760138 3.2250999 3.6145885 4.0489346 [25 2.3632449 2.6658363 2 0054344 3.3863549 3.8133910 4.2918707 26 2.4459985 2.7724697 3.1406790 3.5556726 4.0231279 4.5493829 27 2.5315671 2.8833685 3:2820095 3.7334563 4.2443999 4.8223459 28 2.6201719 2.9987033|3.4296999 3.9231291 4.4778419 5.1116867 29 2.7118779 3.1186514 3.5840364 4.1161356 4.7241212 5.4183870] 30 2.8067937 3.2433975 3.7453181 4.3219423 4.9839469 5.7434912 312.9050314 3.37313343.9138574 4,5380394 5.2580671 6.0881007 32 3.0067075 3.5080587 4.0899810 4.7649414 5.5472608 6.4533867 33 3.1119423 3.6481831 4.2740301 5.0031885 5.8523600 6.8405899 34 3.2208603 3.7943163 4.4663015 5.2533479 6.1742398 7.2510253 35 3.3335904 3.9460889 4.6673478 5.5160152 6.5138230 7.6860868 36 3.4502661 4.1030325 4.8773784 5.7918101 6.8720832 8.1472520 37 3.5710254 4.2680898 5.0968604 6.0814069 7.2500478 8.6360871 38 3.6960113 4.4388134 5.3262192 6.3854772 7.6488004 9.1542523 39 3.82537174.6163659 5.5658990 6.7047511 8.0694844 9.7035074 40 3.9592597 4.8010206 5.8163643 7.0399887 8.5133060 10.2867168 41 4:0978337 4.9930614 5.0781009 7.3919881 8:9815378 10.9028608 42|4.2412579 5.1927838 6.3514246 7.7615871 9.4755224 11.5570325 43 4.3897020 5.4004952 6.6375522 8.1496669 9.9966761 12.2504547 44 4.5433415 5.6165150 6.9362421 8.5571502 10.5464935 12.9854817 45 4.7023585 5.8411756 7.2483730 8.9850077 11.1265504|13 7646107 46 4.8669411 6.0748236 7.5745497 9.4342581 11.7385217 14.5904873

Questions.

What is the ratio in compound interest and how is it obtained?

What is to be noticed respecting the 3 quarterly, half yearly and quarterly amounts?

What is the amount of a dollar or pound for any given time?

What must be done when the ratio is to be involved to years and quarters ?

How may the power of a dollar'or pound be obtained for years and days?

See TABLES III. and IV.

Case 1.

The principal time and rate given to find the amount.

Rule.

Multiply the principal by the ratio involved to the time which for convenience may be taken from table II. and the product will be the amount from which subtract the principal for the compound interest.

Case 2.

The amount, time and rate per cent. given to find the principal.

Rule.

Divide the amount by the ratio involved to the time.

Questions.

By what rule do you work in compound interest by decimals?

When the principal, time and rate per cent. are gi ven to find the amount?

How do you proceed when the amount, time and rate per cent, are given to find the principal?

Tables to facilitate the calculation of Annuities.

TABLE III. Showing the amount of 17. annuity.

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14.971643 11 16.869942 12

10 12.006107 12.288210 12.577892 12.875354 13.180795 10 1113.486351 13.841179 14.206787 14.583498 12 15.025805] 15.464032 15.917126 16.385590 13 16 626838 17.159913 17.712983 18.286798 18 882138 13 14 18.291911 18.932109 19.598632 20.292572 21.015066 14 15 20.023588 20.784054 21.578563 22.408663) 23.275971 15 16 21.824531 22.719337 23.657492 24.641140 25.672528 16 17 23.697512 24.741707 25.840366 26.996402 28.212881 17 18 25.645413 26.855084 28.132385 29.481205 30.905653 18 19 27.671229 29.063562 30.539004 32.102671 33.759993 19 20 29.778078 31.371423 33.065954 34.868318 36.785592 20 21 31.969202 33.783137 35.719252 37.786075 39.992728 21 22 34.247970 36.833378 38.505214 40.864309 43:392291 22 2336-617888 38.937030 41.430475 44.111846 46.995828 23 24 39.082604 41.689196 44.501999 47.537998 50.815578 24 25 41.645908 44.565210 47.727099 51.152588 54.864513 25 26 44.311745 47.570645 51.113454 54.965979 59 156383 26 27 47.084214 50.711324 54.669126 58.989109 63.705766 27 28 49.967582 53.993333 58.402583 63.233510 29 52.966286 57.423033 62.322712 67.711353 30 56.084938 61.007069 66.438847 72.435478 31 59.328335 64.752388 70.76079077.419429 84.801677 31 32 62.701469 68.666245 75.298829 82.677498 90 889778 32 33 66.209527 72.756226 80.063771 88.224760 97.343165 33 34 69.857904 77.030256 85.066959 94.077122 104.183754 34 35 73.652225 81.496618 90.320307 100.251363 111.434780 35 36 77 598314 86.163966 95.836323 106.765188 119.120867|36| 37 81.702246 91.041344 101.628139 113.637274 127.268118 37 38 85.970336 96.138205 107.709546 120.887324 135.904206|38| 39 90.409150 101.464424 114.095023 128.536127 145.058458 39 40 95.025516 107.030329 120.799774 136.605146 154.761966 40

68 528117 28

73.639798 29 79.058186 30

TABLE IV. Showing the present worth of 11. annuity for any number of years, from 1 to 40.

yr 4 per ct. 14 per ct. 15 per ct. 15 per ct.16 per ct. lyr

0.95231

0.94786 0.94339 1 1.87267 1.85941 1.84632

10.96154 0.95694

21.88609

1.83339 2

2.67301

3.50514

3.46510

3 2.77509 2.74876 2.72325 2.69793
4 3.62989 3.58752 3.54595
5 4.451821 4.38997 4.32988 4.27028 4.21236
5.07569 4.99553 4.91732
6 5.24214 5.15787
76.40205 5.89270 5.78637 5.68297

5.58238

8 6.73274 6.59589 6,46321 6.33457 6.20979 7.26879 710782 6.95220 6.80169 7.91272 7.72173 7.53762 7.36008 10

9 7.43533

9

8,30640 8.06254
8.86325 8.61852
9.39357 9.11708

7.88687 11

8.38384 12

8.85268 13

9.29498 14

9.71225 15 9.10589 16

108 11089
11 8.76048 8.52892
12 9.38500 9.11858
13 9.98565 9.68285
14 10.56312 10.22282 9.89864 9.58965
15 11 41839 10.73954 10.37965 10.03759
16 11.65229 11.23401 10.83777 10.46216
17 12.16567 11.70719 11.27407 10.86461 10.47726 17
18 12.65929 [12.17999 11,68958 11.24607 10.82760 18
19 13.13394 12.59329 12.08532 11.60765 11.15811 19
20 13.59032 13.00793 12.46221 11.95034j11.46992 20
21 14.02916 13.40472 12.82115 12.27524 11.764107 21
22 14.45111 13.78442 13.16300 12.58317 12.04158 22
23 14.85684 14.14777 13.48857 12.87504 12.30338 23
24 15 24696 14.49548 13.79864 13.15170 12.55035 (24)
25 15.62208 14.8282114.09394 13,41391 12.78335 (25)
26 15.9827715.14661 14.37518 13.66250 13.00316 26
27 16.32959 15.45130 14.64303 13.89810 13.21053 37
28 16.66306 15.74287 14.89813 14.12142 [13.40616 28
29 16.98371 16.02189 15.14107 14.33310 13.59072 29
30 17.29203 16 28889 15.37245 14.53375-13.76483 30
31 17.58849 16.54439 15.59281 14,72393 13.92908 31
32 17.87355 16.78889 15.80268 14.90420 14.08404 32
33 18.14764 17.02286 16.00255 15.07507 14.23023 33
84 18.41126 17.24676 16,19290 15.23703 (14.36814 (34)
35 18.66461 17 4610116.37414 15.39055 14.49825 35
36 18.90828 17.66604 16.54685 15,53607 14,62098 36
37 19.14258 17.86224 16,71129 15.67400 14.78678 37
38 19.36786 18 04999 16.86789 15,80474 14.84602 38
39 19.54448 18.22965 17.01704 15,92866 14.9490739)
40 19.79277 18.40158 17.15909 16.04612 14.9264040]

P

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square root of the ratio;

half the quotient of the first remainder divided by the latter will be the tabular number.

For quarterly payments use the 4th root as above, and take one quarter of the quotient.

ANNUITIES AT COMPOUND INTEREST;

Case 1.

The annuity, time and rate of interest given to find the amount.

Rule.

Multiply the number under the rate, and opposite the time in Table III. by the annuity and the product will be the amount for yearly payments.

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Note. When the payments are to be made half yearly or quarterly, the amount for the given time found as above, multiplied by the proper number in table V. will be the true amount.

Case 2.

The annuity, time and rate given to find the present worth.

Rule.

Multiply the number under the rate and opposite the time in Table IV. by the annuity; the product will be the present worth for yearly payments.

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