Excel Templates

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A dividend discount model is a financial model for valuing the price of a stock by using predicted dividends and discounting them back to present value. The idea is that if the value obtained from the DDM is higher than what the shares are currently trading at, then the stock is undervalued.

This model would typically be a discounted cash flow (DCF) using dividend forecasts over several stages. And how this model works is as follows :
1. The expected dividends are estimated for the high growth period, using the payout ratio for the high growth period and the expected growth rate in earnings per share.
2. The expected growth rate is estimated either using fundamentals: Expected growth = Retention Ratio * Return on Equity. Alternatively, you can input the expected growth rate. At the end of the high growth phase, the expected terminal price is estimated using dividends per share one year after the high growth period, using the growth rate in stable growth, the payout ratio in stable growth and the cost of equity in stable growth.
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This baby checklist will help you preparing and managing you and your baby’s need at home. Since this is just a general checklist, you should add, delete or modify based on your needs. And also don’t forget to manage your family or your friends gifts since their gifts can sometimes reduce the number of baby products you will need to buy.

Author : Eric Tay

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This is another auto loan calculator with different layout style comparing with common auto loan calculator. The aim is to show all monthly payment within single page.

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Snowballing your credit cards means to pay off one card with all of your available cash until it is paid off, then move on to the next one.  All other cards are paid at their minimum rate until it is their turn to be snowballed. With this snowball calculator spreadsheet, you can enter the rates (including teaser rates) and balances of all your cards, then change the order of the “snowball” to see which will give you the best payoff time and least cumulative expense.

Author : Daniel Slone

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This is a  perpetual monthly calendar in simple number-in-a-square letter-sized calendar page. And it is created with the automatic formula that will change the calendar date based on the month number and the year that you input. There are four different calendars format that you can select by clicking on the bottom tabs.

Author : Justin Breithaupt, Jr

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