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\author{andrewdefinis}
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  /Title (finance-exam-2.pdf)
  /Creator (Cheatography)
  /Author (andrewdefinis)
  /Subject (finance exam 2 Cheat Sheet)
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\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{C}
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    \vspace{-7pt}
    {\parbox{\dimexpr\textwidth-2\fboxsep\relax}{\noindent
        \hspace*{-6pt}\includegraphics[width=5.8cm]{/web/www.cheatography.com/public/images/cheatography_logo.pdf}}
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\columnbreak
\begin{tabulary}{11cm}{L}
    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{finance exam 2 Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{andrewdefinis} via \textcolor{DarkBackground}{\uline{cheatography.com/35480/cs/11154/}}}
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\noindent
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\begin{tabulary}{5.8cm}{LL}
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  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}andrewdefinis \\
  \uline{cheatography.com/andrewdefinis} \\
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\begin{tabulary}{5.8cm}{L}
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  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Published 14th March, 2017.\\
   Updated 14th March, 2017.\\
   Page {\thepage} of \pageref{LastPage}.
\end{tabulary}
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  \vspace{-5pt}
  %\includegraphics[width=48px,height=48px]{dave.jpeg}
  Measure your website readability!\\
  www.readability-score.com
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\begin{document}
\raggedright
\raggedcolumns

% Set font size to small. Switch to any value
% from this page to resize cheat sheet text:
% www.emerson.emory.edu/services/latex/latex_169.html
\footnotesize % Small font.

\begin{multicols*}{3}

\begin{tabularx}{5.377cm}{x{1.9908 cm} x{2.9862 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{definitions}}  \tn
% Row 0
\SetRowColor{LightBackground}
discounting & the compound reduction from FV to PV \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
compounding & the earning of interest on interest \tn 
% Row Count 4 (+ 2)
% Row 2
\SetRowColor{LightBackground}
compound interest & interest earned in subsequent periods on the interest earned in previous periods \tn 
% Row Count 8 (+ 4)
% Row 3
\SetRowColor{white}
lump-sum payment & one time payment at a PV or FV \tn 
% Row Count 10 (+ 2)
% Row 4
\SetRowColor{LightBackground}
TVM & key value that a dollar today is worth more than a dollar tomorrow \tn 
% Row Count 13 (+ 3)
% Row 5
\SetRowColor{white}
amortization schedule & listing of periodic interest expense, reduction in principal each period, ending balance for each period \tn 
% Row Count 18 (+ 5)
% Row 6
\SetRowColor{LightBackground}
amortized loan & loan in which interest and principal is paid each period \tn 
% Row Count 21 (+ 3)
% Row 7
\SetRowColor{white}
annuity & series of equal cash flows at regular intervals across time \tn 
% Row Count 24 (+ 3)
% Row 8
\SetRowColor{LightBackground}
annuity due & series of equal \& regular pmts at the beginning of a period \tn 
% Row Count 27 (+ 3)
% Row 9
\SetRowColor{white}
console (perpetual bonds) & stocks that pay interest forever, no maturity date, no promise to pay principal \tn 
% Row Count 31 (+ 4)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{x{1.9908 cm} x{2.9862 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{definitions (cont)}}  \tn
% Row 10
\SetRowColor{LightBackground}
discount loan & loan where interest \& principal is repaid at maturity \tn 
% Row Count 3 (+ 3)
% Row 11
\SetRowColor{white}
interest only loan & loan where interest is paid regularly. principal \& final interest is paid at date due. \tn 
% Row Count 7 (+ 4)
% Row 12
\SetRowColor{LightBackground}
perpetuity & infinite regular \& equal pmts \tn 
% Row Count 9 (+ 2)
% Row 13
\SetRowColor{white}
APR & yearly uncompounded rate of interest \tn 
% Row Count 11 (+ 2)
% Row 14
\SetRowColor{LightBackground}
EAR (effective annual rate) & compound rate of interest per year \tn 
% Row Count 13 (+ 2)
% Row 15
\SetRowColor{white}
compounding period & period in which interest is applied \tn 
% Row Count 15 (+ 2)
% Row 16
\SetRowColor{LightBackground}
fisher effect & relationship which nominal interest rate is a function of the real rate, inflation, and product of inflation and real rate \tn 
% Row Count 21 (+ 6)
% Row 17
\SetRowColor{white}
maturity premium & the portion of the nominal interest rate that compensates the investor for additional waiting time to receive payment in full \tn 
% Row Count 27 (+ 6)
% Row 18
\SetRowColor{LightBackground}
nominal interest rate & interest rate composed of real interest rate plus the inflation rate \tn 
% Row Count 30 (+ 3)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{x{1.9908 cm} x{2.9862 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{definitions (cont)}}  \tn
% Row 19
\SetRowColor{LightBackground}
periodic interest rate & the number of compounding periods per year \tn 
% Row Count 2 (+ 2)
% Row 20
\SetRowColor{white}
real interest rate & the reward for waiting \tn 
% Row Count 4 (+ 2)
% Row 21
\SetRowColor{LightBackground}
reward for waiting & real rate of interest paid for forgoing use of money today. \tn 
% Row Count 7 (+ 3)
% Row 22
\SetRowColor{white}
risk free rate & theoretical interest rate with zero risk of any kind \tn 
% Row Count 10 (+ 3)
% Row 23
\SetRowColor{LightBackground}
yield curve & graph relating return rate and an asset's time to maturity \tn 
% Row Count 13 (+ 3)
% Row 24
\SetRowColor{white}
basis point & one hundredth of a percentage point \tn 
% Row Count 15 (+ 2)
% Row 25
\SetRowColor{LightBackground}
bearer bond & bond where ownership to the possessor \tn 
% Row Count 17 (+ 2)
% Row 26
\SetRowColor{white}
Bone equivalent yield (BEY) & annual \% rate converted from bank discount rate on a treasury bill \tn 
% Row Count 20 (+ 3)
% Row 27
\SetRowColor{LightBackground}
callable bond & bond that issuer has the right to buy back prior to maturity at a predetermined price \tn 
% Row Count 24 (+ 4)
% Row 28
\SetRowColor{white}
convertible bond & right to swap bond for another asset, usually common stock, at a preset conversion ratio under certain conditions \tn 
% Row Count 29 (+ 5)
% Row 29
\SetRowColor{LightBackground}
corpus & bond with the coupons clipped off representing only principal \tn 
% Row Count 32 (+ 3)
\end{tabularx}
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\begin{tabularx}{5.377cm}{x{1.9908 cm} x{2.9862 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{definitions (cont)}}  \tn
% Row 30
\SetRowColor{LightBackground}
coupon & regular interest pmt of bond \tn 
% Row Count 2 (+ 2)
% Row 31
\SetRowColor{white}
current yield & annual bond coupon pmt divided by current price \tn 
% Row Count 4 (+ 2)
% Row 32
\SetRowColor{LightBackground}
debentures & unsecured bonds \tn 
% Row Count 5 (+ 1)
% Row 33
\SetRowColor{white}
floating rate bond & bond with changing coupon rate \tn 
% Row Count 7 (+ 2)
% Row 34
\SetRowColor{LightBackground}
indenture & formal contract of a bond detailing important information \tn 
% Row Count 10 (+ 3)
% Row 35
\SetRowColor{white}
junor debt & debt subsequent to the other (senior) debt with lower priority of pmt \tn 
% Row Count 13 (+ 3)
% Row 36
\SetRowColor{LightBackground}
par value & principal amount to be paid at the maturity date \tn 
% Row Count 15 (+ 2)
% Row 37
\SetRowColor{white}
premium bond & bond that current value is above par value \tn 
% Row Count 17 (+ 2)
% Row 38
\SetRowColor{LightBackground}
prime rate & interest rate banks charge their best customers \tn 
% Row Count 19 (+ 2)
% Row 39
\SetRowColor{white}
protective covenant & part of the bond that spells out both required and prohibited actions of the bond issuer \tn 
% Row Count 23 (+ 4)
% Row 40
\SetRowColor{LightBackground}
putable bond & bond holder has the right to sell the bond back to the issuer at a determined price prior to maturity \tn 
% Row Count 28 (+ 5)
% Row 41
\SetRowColor{white}
sinking fund & special fund for the retirement of debt on bonds \tn 
% Row Count 30 (+ 2)
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\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{x{1.9908 cm} x{2.9862 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{definitions (cont)}}  \tn
% Row 42
\SetRowColor{LightBackground}
STRIPS & zero-coupon bonds made by separating the interest and principal on us. govt bonds \tn 
% Row Count 4 (+ 4)
% Row 43
\SetRowColor{white}
treasury bill & govt bond with a maturity less than one year \tn 
% Row Count 6 (+ 2)
% Row 44
\SetRowColor{LightBackground}
treasury bond & govt bond with maturity of more than ten years \tn 
% Row Count 8 (+ 2)
% Row 45
\SetRowColor{white}
treasury note & govt bond with a maturity between 2 and 10 years \tn 
% Row Count 10 (+ 2)
% Row 46
\SetRowColor{LightBackground}
yield to call & discount rate of return for a callable premium bond \tn 
% Row Count 13 (+ 3)
% Row 47
\SetRowColor{white}
yield to maturity (YTM) & return the holder receives if held on till maturity \tn 
% Row Count 16 (+ 3)
% Row 48
\SetRowColor{LightBackground}
zero-coupon bond & a bond that pays no coupons over its maturity \tn 
% Row Count 18 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{formulas}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{compounding interest} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}FVn=PVo(1+r)\textasciicircum{}n     (finding fv)} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}PVo=FVo/ (1+r)\textasciicircum{}n  (finding pv)} \tn 
% Row Count 3 (+ 1)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}n=ln(fv/pv)/ln(1+r)    (finding time)} \tn 
% Row Count 4 (+ 1)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}R= (FVo * PVo) \textasciicircum{} (1/n) -1   (finding rate)} \tn 
% Row Count 5 (+ 1)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{FVn=} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}PMT {[}((1 + r)n - 1) / r{]}} \tn 
% Row Count 7 (+ 2)
% Row 5
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{PVt =} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}PMT(t+1) {[}(1 - 1/(1 + r)n) / r{]}} \tn 
% Row Count 9 (+ 2)
% Row 6
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{PVt =} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}PMT(t+1) / r} \tn 
% Row Count 11 (+ 2)
% Row 7
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Periodic Interest Rate} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}r = APR / m} \tn 
% Row Count 13 (+ 2)
% Row 8
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{EAR =} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}(1 + APR/m)m - 1} \tn 
% Row Count 15 (+ 2)
% Row 9
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{.  r ≈} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}r* + h} \tn 
% Row Count 17 (+ 2)
% Row 10
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{r =} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}r* + inf + dp + mp} \tn 
% Row Count 19 (+ 2)
% Row 11
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Bond Price (PB) =} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}Coupon PMT {[}(1 - 1/(1 + r)n) / r{]}   + Par / (1 + r)n} \tn 
% Row Count 22 (+ 3)
% Row 12
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Current Yield =} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}Annual Coupon PMT / PB} \tn 
% Row Count 24 (+ 2)
% Row 13
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{YTM =} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}(Par/PB)(1/n) – 1} \tn 
% Row Count 26 (+ 2)
% Row 14
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{YTM ≈} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}(Coupon + (Par –PB)/n) / {[}.4 Par + .6 PB{]}} \tn 
% Row Count 28 (+ 2)
% Row 15
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Profit =} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}ending value + distributions-original cost} \tn 
% Row Count 30 (+ 2)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{formulas (cont)}}  \tn
% Row 16
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{HPR =} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}(profit or loss)/original cost} \tn 
% Row Count 2 (+ 2)
% Row 17
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Simple annual return =} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}HPR/n} \tn 
% Row Count 4 (+ 2)
% Row 18
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{EAR =} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}(1 + HPR)(1/n) - 1} \tn 
% Row Count 6 (+ 2)
% Row 19
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Variance (X) =} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}{[}∑(Xi – Average)2{]} / (n – 1) = σ2     (Divisor of (n – 1) for sample and (n) for population)} \tn 
% Row Count 10 (+ 4)
% Row 20
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Standard Deviation =} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}(σ2)(1/2) = σ} \tn 
% Row Count 12 (+ 2)
% Row 21
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Re =} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}E (ri) = rf + βi {[}E(rm) - rf{]}} \tn 
% Row Count 14 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
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\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{calculator input}}  \tn
% Row 0
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\mymulticolumn{2}{x{5.377cm}}{} \tn 
% Row Count 0 (+ 0)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
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\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{excel}}  \tn
% Row 0
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% Row Count 0 (+ 0)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
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\par\addvspace{1.3em}


% That's all folks
\end{multicols*}

\end{document}