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BEATTY'S 



ORT METHOD 



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FOR 



Computing Interest 



LIBRARY OF CONGRESS. 



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Lisa 

UNITED STATES OF AMERICA. 



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A NEW METHOD 



—OF- 



@mputing Interest 

— FROM— 

Tour 1?er (Centura to Twelve T?er (Lentum, 
SHORT AND EASY METHOD, 

—BY— 

/ 

MASSILLON, OHIO. 

' «nr. 27IR88 

Designed for the use of Schools, Bankers 
Men Generally. 



Copyrighted by Henry Beatty 1887-1888. 
All Rights Reserved. 






MASSILMON, O. 

PBINTED BY NEWSTETTEB & CO., JOB PBINTEBS AND PUBLISHERS, 

1888. 



LC Control Number 




tmp96 027234 



PREFACE. 



J N THIS LITTLE BOOK, I have labored to obtain the 
desired result with the least work possible. It seems to 
me that much unnecessary work is expended upon examples, 
where the interest is deisred, and it has been my aim to make the 
method shorter and easier. For instance, in the six per cent, 
method, why need we waste time by multiplying the entire 
principal by the number of days and dividing by sixty, when the 
same result can be had by dividing either the time or principal by 
six and multiply the quotient by the unused factor. 

I have introduced several ways of obtaining interest under 
the same principle, and a good accountant can see at a glance, 
which one will be best to use. In presenting this book to the 
public, it must stand or fall on its own merits. I have no refer- 
ences or testimonials to accompany it, but publish it simply 
because I think it makes hard work much easier and shorter. 

HENRY BEATTY. 



Short Method for Computing 
Interest. 



IN this method of computing interest we take years, months 
and days together, and get as many tenths as tenths are con- 
tained in the given time, at any rate per cent. The higher the 
interest the more tenths are required in the same time. By divid- 
ing 360 days by 36, we get ten-tenths for one year, the quotient 
of this divisor is one-sixth of a quotient obtained by a divisor of 
six. By multiplying the ten-tenths by the given rate per cent, 
we have the interest on one dollar for one year. Whereas, if we 
divide our time by six, our quotient will be six times ten-tenths 
and can only be used for six per cent., unless we take one-sixth 
of the quotient and multiply it by the rate per cent. By dividing 
by 36 or 12, we obtain the same result, but for the latter divisor, 
instead of reducing tne months to days, we write the months and 
annex one-third of the days. If the days are less than three, 
annex a cipher and 33^ for one day and 66% for two days. If 
the days are three or more, dispense with the cipher. For one 
year we write twelve montns and annex a cipher (120). Thus 
written, it will stand as one to ten, or as thirty-six to three hun- 

(5) 



BEATTVS SHORT METHOD 



dred and sixty. There are other figures with which we can 
obtain the same results, but for divisors, 3G or 12 are probably the 
best to adopt. By reducing the months to days, adding the odd 
days, and dividing by 30, we have but one fraction to reduce, and 
when we divide by 12, if the days do not divide evenly by three, 
we have two fractions to reduce. It matters not whether we 
divide the time or the principal, though the time is preferable, 
unless the principal is large and the time is ten days or less. In 
either case the quotient must be multiplied by the given rate per 
cent. 

Interest or percentum is based on 360 days and any days more 
or less than 3G0 are counted in the same proportion. At 6$ on 
one dollar, we gain each day \y z hundredth of a cent. (Cent is a 
term used to express the one hundredth part of a dollar, conse- 
quently its place is in the first order of the first period and is 
counted both in the ascending and descending scale.) In 6 days 
w r e gain y 1 ^ of a cent. In 60 days one cent, and in 600 days or 20 
months, we gain 10 cents on every dollar. Between these num- 
bers we get tenths, hundredths, etc. : 

CO w h-i 



c o «. c % <zr £ o % 

2 c § ^o g 2 

(T> >-k " ' /-s — . >-> n 



•c^ 1 -Be 

X* ^ c O 



*T ,J -J 'J) *» JZ <- 

*Q o c 



T- 



£ ^ C" 1 ^ JC < VM 

BLISS'S jg^S 

— < CQ CO 

Though the above table could be extended almost beyond 
limit, it is necessary only to carry it far enough to show how 



OF COMPUTING INTEREST. 



important it is, when calculating interest, to place the figures in 

their proper order. One space to the left increases the value of 

any figure ten-fold. Two spaces, one hundred- fold, etc. While 

one space to the right decreases its value in the same proportion. 

Find the interest on $666 00 for 7 months, 26 days at G%. 

7 mo =210 days. 6)236.00 

26 u 

236 u 



39.33^ 
$666. 



23 

235 

2359 



$26.19 6 00 
The above example is carried out two figures farther than is 
necessary. The same result will be obtained by multiplying 
% 660.00 by 39^, with only one figure to the right of the double 
or zero line. 

.2f is the quotient obtained by 
dividing 1 day by 36 and multiply- 
ing 2£ by the different rates per 
cent, we obtain the following table : 



36)1.00( I | J 2} 

72 

"~ 28 



30 a 

This table contains the interest on 
one dollar for one day at the differ- 
ent rates per cent. 

We obtained the table of interest, 
beginning on Page 11, by adding the 
fraction to the whole number, in the 
third column to the right, headed 
" Thousandths." of this small table, 
when the fraction was l / z or more 
and rejecting the fraction, when less 



3£ 


Units. 



T. 


H. 


Th. 








8* 


H 








1 


H 


5# 








1 


3f 


6# 








1 


6f 


Vc 








1 


n 


8; 








2 


h 


9; 








2 


5 


Wo 








2 


n 


v% 








3 


Of 


IS* 








3 


H 



8 beatty's short method 

than J£. For instance, in the table of interest (Page 11) at 6% we 
write .017 instead of .016^. On $3,000 the % added will make the 
interest 1 cent more than it should be, and when J£ is added we 
will have one cent more on $2,000 than the correct interest. This 
can be avoided by using this small table, or by using the column 
of figures at the extreme left in the interest table, beginning on 
Page 11. 

For example : Find interest on $342.00 for 25 days at 7$. Turn 
to page 22, run down the first column of figures till you reach 
342, trace to the right and under the 7$ column, you find 6650. 
Multiply this by the number of days and we find the interest to 
be $1.66. 

6650 
25 



33 
133 



$1.66 2J5 

In the following table (Page 11), the interest is counted on one 
dollar at the different rates per cent, for 360 days, (allowing 30 
days for each month,) also for months and years separately. The 
unit or zero line is to the left of the three right hand figures. All 
on the left of that line are cents and dollars, and all on the right 
are tenths, hundredths, thousandths, etc. 

We have obtained this table by the following rule: Write the 
number of months, annex one-third of the days, and divide by 
twelve, or the same result is obtained by dividing the entire num- 
ber of days, includiyig the months, by thirty-six. Then multiply 
the quotient by the given rate per cent , and the result will be the 
interest on one dollar for the given time. 

To find the interest on a given sum for a given time at a given 
rate per cent., turn to the table, run down the first column of 



OF COMPUTING INTEREST. 



figures, representing time, till you reach the given time. Follow 
to the light, till you reach the figure under the column headed by 
the given rate per cent., and multiply the given principal by this 
figure. Cut off three right hand figures and allow two places for 
cents. 

Example 1. Find the interest on $36.00 for 18 days, at 7$. 

Yz of 18 days = G days. 

12 )0.00 or 36 )1800 

050 50 

7 7 



350 350 

$33 $36 



2100 .12,600 

1050 



.12,600 

In the table run down the column representing time, until you 
reach the 18 days. Follow to the right and under the 1% column 
we find the number 0350. Multiply $3G.OO by this number, cut 
off the three right hand figures, and we have the required 
amcunt, 12 cents. 

Example 2. Find the interest on $50.00 for 3 months 18 days, 
at 6£. 



Y of 18 days=r6 days. 






12)3600 

300 
6 


or 


3 months=90 days 
18 

36)108 " 


lbOO 

$50 




300 
6 


.90,000 




1800 
$50 



To use table, follow as before. .90,000 



io beatty's short method 

Example 3. Find the interest on $100 00 for 2 years, G months 
at 8*. 



2 years = 24 months. 

6 or 

12)30 


2 years =7*20 days. 
6months=:180 u * 

3G)9;)0 " 


2.500 
8 


2.500 
8 


20000 
$100 

$20.00,000 


20000 

$100 

$20.00,000 



Example 4. Find the interest on $9,729.00 for G days, at G#. 

36)600 9729 

100 

$9.72,900 




In the above examples we have annexed ciphers, the same as in 
the table of interest. In example No. 1 we have annexed one 
unnecessary cipher which is one thousandth of a unit, and by dis- 
pensing with that we have two figures to cut off: tenths and hun- 
dredths. 

In examples 2 and 3, we have in each two unnecessary ciphers, 
and by dispensing with them, we have but the tenths cut off in 
either. 

Example 4 has two unnecessary ciphers annexed, but with 
them annexed we see that the principal and interest are precisely 
the same. In examples Uke this we cut off the right hand dolla. 
figure from the principal with all to the right of it, and the inter* 
est remains. 



OF COMPUTING INTEREST. 



II 





D 


4£ 


5* 


Q>% 


V 


8* 


n 


w 


11* 


12* 


1 


0.011 


0.014 


0.017 


0.019 


0.022 


0.025 


0028 


0.C31 


0033 


2 


022 


0.028 


0.033 


0.039 


0.044 


0.050 


0056 


0061 


0.067 


3 


0.033 


0.042 


0.050 


058 


0.067 


0.075 


0.083 


092 


0.100 


4 


0.044 


0.056 


0.067 


078 


0.089 


0.100 


0111 


0.123 


0.133 


5 


0.056 


0.069 


0.083 


0.C97 


0.111 


0.125 


0.139 


C.153 


167 


6 


0.007 


0083 


0.1C0 


0.117 


0.133 


0150 


0.167 


0.183 


0.200 




0.078 


0.097 


0.117 


0.136 


0.156 


0.175 


0.194 


0.214 


0.233 


8 


0.089 


0.111 


0.133 


0.156 


0.178 


200 


0.222 


0.244 


0.267 


9 


0.100 


0.125 


0.150 


0.175 


0.200 


225 


0.250 


0275 


0.300 


10 


0.111 


0.139 


0.167 


0.194 


222 


250 


0.278 


0306 


0.333 


11 


0.122 


0.153 


183 


0.214 


0.244 


275 


0.306 


0.336 


0.367 


12 


0.133 


0.167 


200 


233 


0267 


0300 


0.333 


0.367 


0.400 


13 


0.144 


0.181 


217 


0.253 


0.289 


0325 


0361 


397 


0.433 


14 


0156 


0.194 


0.233 


0.272 


0.311 


350 


389 


0.428 


467 


15 


0.167 


0208 


0.250 


0.292 


0333 


0375 


0417 


458 


0.500 


16 


0.178 


222 


0.267 


0.311 


356 


0.400 


0.444 


0.485 


0.533 


17 


0.1b9 


0.236 


283 


0.331 


0.378 


0.425 


0.472 


0.519 


0.567 


18 


0.200 


0.250 


0.3J0 


0.350 


0.400 


0.450 


0.500 


0.550 


0.600 


19 


0.211 


0.264 


0.317 


0.369 


0.422 


475 


0.528 


0.581 


0.633 


20 


0.222 


0.278 


333 


0.389 


0444 


0.500 


0.556 


0.611 


0.667 


21 


0.233 


0.292 


0.350 


0408 


0.467 


0525 


0.583 


642 


0.700 


22 


0.244 


0.306 


0.367 


0.428 


0.489 


0.550 


0.611 


0.672 


0.733 


23 


0.256 


0.319 


0383 


0.447 


0.511 


05T5 


0.039 


0.703 


0767 


24 


0267 


0.333 


0.400 


0.467 


0.533 


0.600 


0.667 


0.733 


0800 


25 


0.278 


0.347 


417 


0.486 


0.556 


0.625 


0.691 


0.704 


0833 


26 


0.289 


0.361 


0.433 


0.506 


0.578 


0.650 


0.722 


0.794 


0.867 


27 


0.300 


0.375 


450 


0.525 


0.600 


675 


0.750 


825 


900 


28 


0311 


0.389 


0.467 


0.544 


0.623 


0700 


0.778 


0.856 


0.933 


29 


0.322 


0.403 


0.483 


0.504 


644 


725 


0.806 


0.880 


967 


SO 


0.333 


0.417 


0.500 


5P3 


667 


750 


833 


0917 


1.000 



12 



beatty's short method 





M D 


4£ 


H 


H 


7* 


s% 


% 


10£ 


11* 


12* 


31 


1 1 


0.345 


0.431 


0.517 


603 


0.689 


0.775 


862 


0947 


1.033 


32 


« 2 


0.356 


0444 


0.533 


0.622 


0.711 


0.800 


0.897 


0.978 


1067 


33 


11 3 


0.367 


0.458 


0.550 


0.642 


0.733 


0.825 


0.923 


1.008 


1.100 


34 


u 4 


0.378 


0472 


0.567 


0.661 


0.756 


0850 


948 


1.016 


1.133 


35 


" 5 


0.389 


0.486 


0.583 


0.681 


0.778 


0.875 


0974 


1.069 


1.167 


36 


44 6 


0.400 


0.500 


0.600 


0.700 


800 


0.900 


1.000 


1.100 


1.200 


37 


" 7 


0.411 


514 


0.617 


0.719 


0.822 


0.925 


1.028 


1.131 


1.233 


38 


" 8 


0.422 


0.528 


0.633 


0.739 


0.844 


0.950 


1.056 


1.161 


1267 


39 


« 9 


0.433 


0542 


0.650 


0758 


0.867 


0.975 


1.083 


1.192 


1.300 


40 


" 10 


0.444 


556 


0.667 


0.778 


0.8S9 


1.000 


1.111 


1.222 


1.333 


41 


M 11 


0456 


0.569 


0.683 


0.795 


911 


1025 


1.139 


1.253 


1.367 


42 


" 12 


0.467 


0.583 


0.700 


0.817 


0.933 


1.050 


1.167 


1.283 


1.400 


43 


4 < 13 


0.478 


0.597 


0717 


0.836 


0.956 


1.075 


1.194 


1.314 


1.433 


44 


u 14 


0.489 


0.611 


0.733 


0.856 


0.978 


1.100 


1.222 


1.344 


1.467 


45 


44 15 


0.500 


625 


0.750 


0.875 


1.000 


1.125 


1.250 


1.375 


1.500 


46 


11 16 


0.511 


0.639 


0.767 


0.894 


1.022 


1.150 


1.278 


1.406 


1.533 


47 


u n 


0.522 


0.653 


0.783 


0.914 


1.044 


1.175 


1.306 


1.437 


1.567 


48 


44 18 


0.533 


0.667 


800 


0.933 


1.067 


1.200 


1.333 


1.470 


1.600 


49 


44 19 


0.544 


0.681 


0.817 


0.953 


1.089 


1.225 


1.361 


1.497 


1.633 


50 


44 20 


0.556 


0.694 


0.833 


972 


1.111 


1.250 


1.389 


1.528 


1.667 


51 


44 21 


0.507 


0.708 


0.850 


0992 


1.133 


1.275 


1.417 


1.558 


1.700 


52 


44 22 


0.578 


0.722 


0.867 


1.011 


1.156 


1.300 


1.444 


1.589 


1.733 


53 


44 23 


0.589 


0.736 


0.883 


1031 


1.178 


1325 


1.472 


1.619 


1.767 


54 


44 24 


0.600 


0750 


0.900 


1.050 


1.200 


1.350 


1.500 


1.650 


1.800 


55 


44 25 


0.611 


0.764 


0.917 


1.069 


1.222 


1.375 


1.528 


1.681 


1.833 


56 


44 20 


0.622 


0.778 


0.933 


1.089 


1.244 


1.400 


1.556 


1.711 


1.867 


57 


44 27 


0633 


792 


0.950 


1.108 


1.267 


1.425 


1.583 


1.742 


1900 


58 


" 28 


0.644 


806 


0.967 


1.128 


1.289 


1.450 


1611 


1.772 


1.933 


59 


44 29 


0.656 


0.819 


0.933 


1.147 


1.311 


1.475 


1.639 


1.803 


1967 


60 


44 30 


067 


0.833 


1000 


1.167 


1.333 


1500 


1.667 


1.833 


2.000 









OF 


COMPUTING INTEREST 






*3 






M D 


4* 


w 


H 


w 


8* 


n 


10* 


11* 


12* 


01 


2 1 


0.678 


0.847 


1.017 


1.186 


1.356 


1.525 


1.694 


1.864 


2.033 


62 


- 2 


0.689 


0.861 


1.033 


1.206 


1.378 


1.550 


1.722 


1.893 


2 067 


03 


" 3 


0.700 


0.875 


1.050 


1.225 


1.400 


1575 


1.750 


1925 


2.1C0 


64 


u 4 


0.711 


0.886 


1.067 


1244 


1-422 


1.600 


1.778 


1.950 


2.133 


63 


" 5 


0.722 


0.903 


1.083 


1.264 


1.444 


1625 


1806 


1.986 


2.167 


66 


« 6 


0.733 


0.917 


1.100 


1.283 


1.467 


1.650 


1.833 


2.017 


2.200 


67 


u 7 


0744 


0.931 


1.117 


1.303 


1.489 


1.675 


1.861 


2.056 


2.233 


68 


" 8 


0756 


0.944 


1.133 


1.322 


1.511 


1.700 


1.889 


2.078 


2 267 


69 


" 9 


0.767 


0.958 


1.150 


1.342 


1.533 


1.725 


1.917 


2108 


2.300 


70 


« 10 


0778 


0.972 


1.167 


1.361 


1.556 


1.750 


1.944 


2.139 


2.333 


71 


M 11 


0.789 


0.986 


1.183 


1.381 


1.578 


1.775 


1.972 


2.169 


2.367 


72 


M 12 


0.800 


1.000 


1.200 


1.400 


1.600 


1.800 


2000 


2.200 


2.400 


73 


44 13 


0.811 


1.014 


1.217 


1.419 


1.622 


1825 


2.028 


2.231 


2.433 


74 


*i 14 


0.822 


1X28 


1.233 


1.439 


1.644 


1.850 


2.056 


2.261 


2467 


75 


" 15 


833 


1.042 


1.250 


1.458 


1.667 


1.875 


2.083 


2.292 


2.500 


76 


" 16 


0.844 


1.036 


1.267 


1.47S 


1.689 


1.900 


2111 


2322 


2.533 


77 


u 17 


0.856 


1.069 


1.283 


1.497 


1.711 


1.925 


2.139 


2.353 


2.567 


78 


" 18 


0.867 


1.083 


1300 


1.517 


1.733 


1.950 


2.167 


2.383 


2.600 


79 


" 19 


0.878 


1.097 


1.317 


1.536 


1.756 


1.975 


2.194 


2.414 


2.633 


80 


" 20 


0.889 


1.111 


1.333 


1.556 


1.778 


2.000 


2.222 


2.444 


2.667 


81 


11 21 


900 


1.125 


1.350 


1.575 


1.800 


2.025 


2.250 


2.475 


2.700 


82 


" 22 


0.911 


1.139 


1.367 


1.595 


1.822 


2.050 


2.278 


2.506 


2.733 


83 


" 23 


0.922 


1.153 


1.383 


1.614 


1.844 


2.075 


2.306 


2 536 


2.767 


84 


" 24 


0.933 


1.167 


1.400 


1.633 


1.867 


2.100 


2.333 


2.567 


2.800 


85 


" 25 


0.944 


1.181 


1.417 


1.653 


1.889 


2.125 


2 361 


2.597 


2.833 


86 


" 26 


0.956 


1.194 


1.433 


1.672 


1.911 


2.150 


2 389 


2.628 


2 867 


87 


u 27 


0.967 


1.208 


1.450 


1.692 


1.933 


2.175 


2.417 


2.658 


2.900 


88 


" 28 


0.978 


1.222 


1.467 


1.711 


1.956 


2.200 


2444 


2.689 


2.933 


89 


M 29 


0.989 


1.236 


1.483 


1.731 


1.978 


2.225 


2.472 


2.719 


2967 


90 


M 30 


1.000 


1.250 


1.500 


1.750 


2.000 


2.250 


2.500 


2.750 


3.000 



H 






BEATTY 


S SHORT METHOD 










M D 


¥0 


h% 


H 


7,r 


8% 


9% 


Wo 


11# 


12% 


91 


3 1 


1.011 


1.264 


1.517 


1.769 


2.022 


2.275 


2 528 


2.781 


3.033 


92 


'• 2 


1.022 


1.278 


1.533 


1.789 


2.044 


2.300 


2 556 


2 811 


3.067 


93 


" 3 


1.033 


1.292 


1550 


1808 


2.067 


2.325 


2.583 


2.842 


3.100 


94 


u 4 


1.044 


1.306 


1.567 


1828 


2.089 


2.350 


2611 


2.872 


3.133 


95 


14 5 


1.056 


1.319 


1.583 


1.847 


2.111 


2 375 


2639 


2.902 


3 167 


96 


" 6 


1067 


1333 


1.600 


1867 


2133 


2.400 


2.667 


2.933 


3.200 


97 


« 7 


1.078 


1.347 


1.617 


1.886 


2.156 


2425 


2.694 


2.964 


3.233 


98 


" 8 


1.089 


1.361 


1.633 


1.906 


2.178 


2.450 


2.722 


2.994 


3.267 


99 


" 9 


1.100 


1.375 


1.650 


1.925 


2 200 


2.475 


2.750 


3 025 


3.300 


100 


" 10 


1.111 


1.389 


1.667 


1.914 


2.222 


2 500 


2.778 


3.056 


3 333 


101 


" 11 


1.122 


1.403 


1.683 


19G4 


2^44 


2 525 


2.806 


3.086 


3.367 


102 


" 12 


1.133 


1.417 


1.700 


1983 


2.267 


2 550 


2833 


3.117 


3.400 


103 


" 13 


1.144 


1.431 


1.717 


2.003 


2.289 


2 575 


2 861 


3.147 


3433 


104 


u 14 


1.156 


1.444 


1.733 


2.023 


2.311 


2603 


2 8S9 


3.178 


3.467 


105 


" 15 


1.167 


1.458 


1.750 


2 042 


2.333 


2.625 


2917 


3 208 


3.500 


106 


" 16 


1.178 


1.472 


1.767 


2.061 


2 356 


2 650 


2.944 


3.239 


3.533 


107 


44 17 


1.189 


1.486 


1.783 


2.081 


2.378 


2.675 


2.972 


3.269 


3.567 


108 


14 18 


1.200 


1.500 


1.800 


2.100 


2.400 


2.700 


3.000 


3.300 


3.600 


109 


14 19 


1.211 


1.514 


1.817 


2.119 


2.422 


2.725 


3.028 


3.331 


3.633 


110 


" 20 


1.222 


1.528 


1833 


2.139 


2.444 


2.750 


3.056 


3.361 


3.667 


111 


" 21 


1.233 


1.542 


1.850 


2.158 


2.467 


2 775 


3.083 


3 392 


3.700 


112 


14 22 


1.244 


1.556 


1867 


2.178 


2.489 


2.800 


3.111 


3.422 


3.733 


113 


" 23 


1.256 


1.569 


1.883 


2.197 


2.511 


2.825 


3.139 


3.453 


3767 


114 


k4 24 


1267 


1.583 


1.900 


2.217 


2.533 


2 850 


3.167 


3.483 


6800 


115 


14 25 


1.278 


1597 


1.917 


2.236 


2.556 


2-875 


3194 


3514 


3 833 


116 


14 26 


1.289 


1.611 


1.933 


2 256 


2.578 


2.900 


3.222 


3544 


3.867 


117 


« 27 


1.300 


1625 


1950 


2.275 


2.600 


2.925 


3.250 


3.575 


3.900 


118 


" 28 


1311 


1.639 


1.967 


2.295 


2.623 


2.950 


3 278 


3.606 


3.933 


119 


11 29 


1.322 


1.653 


1.983 


2.314 


2.644 


2 975 


3 306 


3.636 


3967 


120 


u 30 


1.333 


1.667 


2.000 


2 333 


2 667 


3 000 


3 333 


3 667 


4 000 









OF COMPUTING INTEREST 


• 




*5 






M D 


4£ 


5* 


6% 


Vo 


8% 


9% 


10# 


11# 


12% 


121 


4 1 


1.344 


1681 


2.017 


2353 


2.6S9 


3.025 


3 361 


3697 


4 033 


122 


•' 2 


1.356 


1.694 


2 033 


2.372 


2.711 


3.050 


3 3S9 


3.728 


4 067 


123 


" 3 


1.367 


1.708 


2.050 


2.393 


2.733 


3 075 


3 417 


3758 


4.H0 


124 


u 4 


1.378 


1.722 


2.067 


2.411 


2.756 


3100 


3 444 


3.789 


4.133 


125 


11 5 


1.389 


1.736 


2.083 


2.431 


2 778 


3.125 


3.472 


3.819 


4.167 


126 


M 6 


1.400 


1.750 


2.100 


2.450 


2 800 


3.150 


3.500 


3 850 


4.200 


127 


.< 7 


1.411 


1.764 


2.117 


2.469 


2.822 


3.175 


3 528 


3.881 


4.233 


128 


" 8 


1.422 


1.778 


2.133 


2.489 


2.844 


3.200 


3556 


3.911 


4 267 


129 


* 9 


1.433 


1.792 


2150 


2.508 


2.867 


3.225 


6.583 


3 942 


4.300 


130 


" 10 


1.444 


1806 


2167 


2.528 


2.8S9 


3250 


3.611 


3972 


4.333 


131 


" 11 


1456 


1.819 


2.183 


2 547 


2.911 


3 275 


3 639 


4 003 


4.367 


132 


" 12 


1.467 


1833 


2.200 


2.567 


2.933 


3.3U0 


3.667 


4.033 


4.400 


133 


" 13 


1.478 


1.847 


2217 


2.586 


2 956 


3.325 


3.694 


4.064 


4.433 


134 


u 14 


1.489 


1.861 


2.233 


2.606 


2.9; 8 


3 350 


3.722 


4.094 


4467 


133 


" 15 


1.500 


1875 


2.250 


2.625 


3.000 


3375 


3.750 


4125 


4.500 


136 


" 16 


1.511 


1.889 


2.267 


2.645 


3.022 


3 400 


3.778 


4.156 


4.533 


137 


« 17 


1.522 


1.903 


2 283 


2.664 


3.044 


3 425 


3 8-J6 


4186 


4.567 


138 


" 18 


1.533 


1.917 


2 300 


2.683 


3.067 


3450 


3 833 


4.217 


4.600 


139 


u 19 


1.544 


1.931 


2 317 


2.703 


3.089 


3475 


3861 


4.247 


4.633 


140 


" 20 


1.536 


1.944 


2.333 


2.722 


3.111 


3.500 


3.889 


4.278 


4.667 


141 


" 21 


1.567 


1958 


2.350 


2 742 


3133 


3.525 


3.917 


4.308 


4.700 


142 


" 22 


1.578 


1.972 


2367 


2761 


3.156 


3 550 


3 914 


4339 


4.733 


143 


" 23 


1.589 


1.986 


2 383 


2.781 


3.178 


3.575 


3972 


4.369 


4.767 


144 


u 24 


1.600 


2.000 


2.400 


2.800 


3.200 


3.600 


4 000 


4.400 


4.800 


145 


u 25 


1.611 


2.014 


2.417 


2.820 


3.222 


3.625 


4.028 


4.431 


4.833 


146 


M 26 


1.622 


2.028 


2.433 


2.839 


3.244 


3.650 


4 056 


4.461 


4867 


147 


" 27 


1.633 


2 043 


2.450 


2.858 


3 267 


3 675 


4083 


4.492 


4900 


148 


u 28 


1.644 


2.056 


2.467 


2.878 


3.289 


3.700 


4111 


4 522 


4.933 


149 


" 29 


1.656 


2.069 


2.483 


2 897 


3.311 


3725 


4.139 


4.553 


4 967 


150 


1" 30 


1667 


2.08^] 


2.500 2 917 


3.333 


3 750 


4.167 


4.583 


5.000 



i6 



BEATTYS SHORT METHOD 





M D 


H . 


5£ 


H 


7* 


8£ 


9% 


10# 


11* 


12£ 


151 


5 1 


1678 


2.097 


2.517 


2 936 


3.356 


3.775 


4.194 


4.614 


5.033 


152 


14 2 


1.689 


2.111 


2.533 


2 956 


3 378 


3.800 


4.222 


4.644 


5.067 


153 


14 3 


1.700 


2.125 


2.550 


2&75 


3.400 


3 825 


4.250 


4.675 


5.100 


154 


m 4 


1.711 


2.139 


2567 


2.994 


3.422 


3 8->0 


4.278 


4.706 


5.133 


155 


" 5 


1.722 


2.153 


2.583 


3 014 


3.444 


3.875 


4.306 


4.736 


5 167 


156 


" 6 


1.733 


2.167 


26 


3.033 


3.467 


3.900 


4.333 


4.767 


5200 


157 


44 7 


1.744 


2.181 


2.617 


3.053 


3489 


3 925 


4.361 


4.797 


5.233 


158 


" 8 


1.756 


2194 


2.633 


3.072 


3.511 


3.950 


4.389 


4.822 


5.267 


159 


44 9 


1.767 


2 208 


2.650 


3.092 


3 533 


3975 


4.417 


4.858 


5.300 


160 


M 10 


1.778 


2222 


2.667 


3.111 


3 556 


4 000 


4 444 


4.889 


5 333 


161 


" 11 


1.789 


2.?36 


2.683 


3.131 


3.578 


4.025 


4.472 


4.919 


5.367 


162 


44 12 


1800 


2.250 


2.700 


3.150 


3 600 


4.050 


4.500 


4 950 


5.400 


163 


44 13 


1.811 


2.264 


2 717 


3.169 


3 622 


4 075 


4528 


4.981 


5433 


164 


u i 4 


1.822 


2.278 


2.733 


3.1b9 


3.644 


4.100 


4556 


5011 


5 467 


165 


" 15 


1.833 


2.292 


2.750 


3 208 


3.667 


4125 


4.583 


5.042 


5.500 


166 


44 16 


1844 


2.306 


2.767 


3.228 


3.689 


4.150 


4611 


5.072 


5.533 


167 


« 17 


1856 


2.319 


2.783 


3.247 


3.711 


4.175 


4639 


5.103 


5.567 


168 


14 18 


1.867 


2.333 


2.800 


3 267 


3.733 


4 200 


4.667 


5.133 


5.600 


169 


44 19 


1.878 


2.347 


2.817 


3.286 


3 756 


4.225 


4.694 


5.164 


5.633 


170 


44 20 


1.8S9 


2.361 


2.833 


3.306 


3.778 


4.250 


4.722 


5.194 


5.667 


171 


44 21 


1.900 


2.375 


2.850 


3.325 


3800 


4.275 


4.750 


5 225 


5.700 


172 


44 22 


1.911 


2.389 


2.867 


3.344 


3822 


4300 


4.778 


5256 


5.733 


173 


44 23 


1.922 


2.403 


2.883 


3.364 


3.844 


4 325 


4.806 


5286 


5.767 


174 


44 24 


1.933 


2 417 


2.900 


3 383 


3.867 


4.350 


4833 


5.317 


5 800 


175 


44 25 


1.944 


2.431 


2.917 


3.403 


3.889 


4375 


4 861 


5347 


5 833 


176 


44 26 


1.956 


2.444 


2.933 


3.422 


3.911 


4 400 


4 889 


5.378 


5.867 


177 


" 27 


1967 


2.458 


2950 


3.442 


3.933 


4.425 


4.917 


5 408 


5 900 


178 


" 28 


1.978 


2472 


2.967 


3.461 


3.956 


4.450 


4.944 


5.439 


5.933 


179 


44 29 


1.989 


2.486 


2.983 


3.481 


3.978 


4.475 


4.972 


5.469 


5.967 


180 


" 30 


2.000 


2.500 


3.000 


3.500 


4.000 


4.500 


5 000 


5.500 


6000 









OF 


COMPUTING INTEREST. 






n 




M D 


4* 


5£ 


H 


W 


$% 


% 


lOg 


n% 


12% 


181 


6 1 


2.011 


2.514 


3.017 


3.519 


4.022 


4.525 


5 028 


5.531 


6033 


182 


«• 2 


2.022 


2.528 


3.033 


3539 


4.044 


4550 


5 056 


5 561 


6.067 


183 


' 4 3 


2.033 


2.542 


3*50 


3 558 


4.067 


4.575 


5.083 


5.592 


6.100 


1S4 


.. 4 


2.044 


2556 


3.067 


3 578 


4.089 


4.600 


5.111 


5 622 


6.133 


185 


14 5 


2.056 


2.569 


3.083 


3.597 


4.111 


4 625 


5.139 


5.653 


6167 


18G 


" 6 


2 067 


2 583 


3.1.0 


3 617 


4133 


4.650 


5.167 


5.683 


6 200 


187 


4 


2.078 


2.597 


3.117 


3636 


4.156 


4 675 


5.194 


5.714 


6.233 


188 


" 8 


2.089 


2.611 


3.133 


3.656 


4.178 


4.700 


5.222 


5.744 


6.267 


180 


" 9 


2 100 


2.625 


3.150 


3.675 


4.200 


4.725 


5.250 


5 775 


6.300 


190 


" 10 


2.111 


2 639 


3 167 


3 694 


4.222 


4.750 


5.278 


5806 


6 333 


191 


M 11 


2.122 


2653 


3 183 


3 714 


4214 


4 775 


5 306 


5 830 


6 367 


192 


kl 12 


2.133 


2.667 


3 200 


3 733 


4 2C7 


4 800 


5 333 


5 867 


6.400 


193 


- 13 


2.144 


2.681 


3 217 


3 753 


4289 


4 825 


5 361 


5 897 


6 433 


191 


>« 14 


2.156 


2.694 


3.233 


3.772 


4.311 


4 850 


5.389 


5928 


6 467 


193 


- 15 


2.167 


2708 


3.C50 


3792 


4.333 


4 875 


5417 


5 938 


6500 


19G 


- 16 


2.178 


2.722 


3.267 


3811 


4.356 


4 900 


5.444 


5 9S9 


6.533 


197 


* 17 


2.189 


2 736 


3 283 


3.831 


4.378 


4 925 


5472 


6.019 


6.567 


198 


" 18 


2.200 


2.750 


3.330 


3.850 


4.400 


4.950 


5.500 


6.050 


6600 


199 


M 19 


2.211 


2.764 


3.317 


3 869 


4.422 


4.975 


5.528 


6.081 


6.633 


200 


" 20 


2.222 


2.778 


3.333 


3.889 


4 444 


5 000 


5556 


6.111 


6.667 


201 


11 21 


2.233 


2.792 


3.350 


3 908 


4.467 


5 025 


5.583 


6.142 


6.700 


202 


- 22 


2.244 


2.806 


3 367 


3.928 


4.489 


5.050 


5611 


6.172 


6733 


203 


- 23 


2.256 


2.819 


3383 


3.947 


4.511 


5075 


5.639 


6 203 


6 767 


204 


•' 24 


2.267 


2.833 


3.400 


3.966 


4.533 


5 100 


5.667 


6.233 


6.800 


205 


•< 25 


2.278 


2.847 


3.417 


3.986 


4.556 


5.125 


5 694 


6 264 


6 833 


206 


" 26 


2.289 


2.861 


3 433 


4006 


4.578 


5.150 


5.722 


6.294 


6.867 


207 


M 27 


2.300 


2 875 


3450 


4 025 


4.600 


5.175 


5.750 


6 325 


6 900 


208 


M 28 


2.311 


2.889 


3.467 


4.044 


4.622 


5.200 


5.778 


6.356 


6933 


209 


k< 29 


2.322 


2 903 


3.483 


4.064 


4 644 


5 225 


5.806 


6.386 


6.967 


210 


" 30 


2.333 


2.917 


3.500 


4.083 


4.667 


5 250 


5 833 


6.417 


7 000 



i8 



BEATTYS SHORT METHOD 





M D 


4^ 


H 


H 


V 


S% 


9% 


10# 


lit 


12# 


211 


7 1 


2.344 


2.931 


3.517 


4103 


4689 


5.275 


5 861 


6.447 


7033 


212 


•' 2 


2.356 


2.944 


3533 


4.122 


4.711 


5.300 


5 889 


6.478 


7 067 


213 


" 3 


2.367 


2.958 


3 550 


4.142 


4.733 


5 325 


5917 


6508 


7.100 


214 


u 4 


2 378 


2.972 


3.567 


4.161 


4.756 


5350 


5.944 


6 539 


7.133 


215 


" 5 


2.389 


2.986 


3583 


4.181 


4.778 


5.375 


5 972 


6.569 


7.167 


216 


" 6 


2.400 


3.000 


3.600 


4.200 


4 800 


5.400 


6.000 


6.600 


7.200 


217 


u 7 


2.411 


3 014 


3.617 


4.219 


4.822 


5.425 


6.028 


6.631 


7 233 


218 


a 8 


2.422 


3 028 


3633 


4.239 


4.844 


5.450 


6.056 


6.661 


7 267 


219 


" 9 


2.433 


3.042 


3 650 


4.258 


4 867 


5.475 


6.083 


6.692 


7.30O 


220 


" 10 


2.444 


3 056 


3 667 


4.278 


4 8S9 


5.500 


6.111 


6722 


7.333 


221 


" 11 


2456 


3.069 


3683 


4 297 


4 911 


5525 


6.139 


6 753 


7.367 


222 


u 12 


2.467 


3 083 


3.700 


4.317 


4.933 


5.550 


6.167 


6 783 


7.400 


223 


" 13 


2.478 


P.097 


3.7L7 


4.336 


4956 


5.575 


6.194 


6.814 


7.433 


224 


u 14 


2.489 


3.111 


3.733 


4.356 


4.978 


5 600 


6.222 


6844 


7467 


225 


" 15 


2.500 


3125 


3.750 


4.375 


5.000 


5.625 


6.250 


6.875 


7.500 


226 


" 16 


2.511 


3.139 


3.767 


4.394 


5.022 


5650 


6278 


6 906 


7.533 


227 


u 17 


2.522 


3.153 


3783 


4.414 


5.044 


5 675 


6 306 


6 936 


7.567 


228 


" 18 


2.533 


3.167 


3 800 


4.433 


5.067 


5.700 


6333 


6.967 


7.600 


229 


14 19 


2.544 


3.181 


3817 


4453 


5.089 


5.725 


6361 


6997 


7.633 


230 


a 20 


2.556 


3.194 


3 833 


4.472 


5.111 


5.750 


6.389 


7.028 


7.66T 


231 


'- 21 


2.567 


3.208 


3.850 


4 492 


5 133 


5.775 


6.417 


7.058 


7.700 


232 


44 22 


2.578 


3.222 


3.807 


4511 


5.156 


5 800 


6 444 


7089 


7.733 


233 


" 23 


2.589 


3.236 


3883 


4.531 


5.178 


5.825 


6472 


7.119 


7.767 


234 


" 24 


2.G00 


3 250 


3 900 


4.550 


5.200 


5.850 


6.500 


7.150 


7.800 


235 


■" 25 


2.611 


3.204 


3917 


4.569 


5222 


5.875 


6.528 


7.181 


7.83$ 


23G 


" 26 


2.622 


3.278 


3.933 


4 589 


5244 


5 900 


6.556 


7.2 IS 


7.867 


237 


11 27 


2.633 


3 292 


3.950 


4 608 


5 267 


5 925 


6583 


7.242 


7900 


238 


l « 28 


2.644 


3306 


3967 


4.628 


5.289 


5950 


6611 


7 272 


7.933 


239 


14 29 


2.656 


3.319 


3.983 


4647 


5.311 


5 975 


6 639 


7303 


7967 


240 


" 30 


2 667 


3333 


4000 


4 667 


5.333 


6000 


6 667 


7 33:5 


8.000 









OF 


computing interest 


• 




*9 




M D 


4* 


5* 


H 


7£ 


$% 


n 


10* 


\\% 


12* 


241 


8 1 


2 678 


3.347 


4017 


4.686 


5.356 


6025 


6694 


7.364 


8.033 


242 


' 2 


2.689 


3.361 


4 033 


4.706 


5.378 


6.050 


6.722 


7.394 


8067 


243 


u 3 


2.700 


3375 


4 050 


4.725 


5.400 


6.075 


6.750 


7425 


8.1C0 


244 


•' 4 


2.711 


3.389 


4067 


4 741 


5-422 


6.100 


6778 


7.456 


8.133 


245 


' 5 


2.722 


3403 


4.083 


4767 


5.444 


6.125 


6 806 


7 486 


8.167 


246 


44 6 


2.733 


3.417 


4.100 


4 783 


5.407 


6.150 


6833 


7.517 


8.200 


247 




2.744 


3.431 


4.117 


4.803 


5.489 


6.175 


6.861 


7.547 


8.233 


243 


M 8 2.756 


3.444 


4.133 


4.822 


5.511 


6.200 


6.889 


7.578 


8 267 


249 


44 9 2 767 


3 458 


4150 


4.842 


5.533 


6 225 


6.917 


7 608 


8.300 


250 


u 10 


2.778 


3.472 


4.167 


4.861 


5.556 


6.250 


6 944 


7 639 


8.333 


251 


" 11 


2.T89 


3.486 


4.183 


4.831 


5.578 


6 275 


6.972 


7.669 


8.367 


252 


44 12 


2 800 


3.500 


4.200 


4.900 


5.600 


6300 


7.000 


7.700 


8.400 


253 


" 13 


2.811 


3.514 


4.217 


4.919 


5622 


6 325 


7.028 


7.731 


8.433 


251 


u 14 


2 822 


3.528 


4.233 


4.939 


5.644 


6.350 


7.056 


7.761 


8 467 


255 


44 15 


2.833 


3.542 


4.230 


4 953 


5.667 


6.375 


7.083 


7.792 


8.500 


256 


- 16 


2.844 


3.5,6 


4.267 


4 973 


5.689 


6.400 


7111 


7 822 


8.533 


257 


' 17 


2 856 


3.569 


4.283 


4.997 


5.711 


6.425 


7.139 


7.853 


8.567 


258 


• 4 18 


2.867 


3.583 


4 300 


5.017 


5.733 


6.430 


7.167 


7 883 


8.600 


259 


M 19 


2 878 


3.597 


4317 


5.036 


5.756 


6.475 


7.194 


7 914 


8.633 


260 


M 20 


2.8S9 


3.611 


4.333 


5.056 


5.778 


6.500 


7.222 


7.944 


8.667 


261 


" 21 


2.900 


3.625 


4.350 


5075 


5.800 


6.525 


7.250 


7 975 


8.700 


262 


> 4 22 


2.911 


3.639 


4.367 


5.094 


5.822 


6.550 


7.278 


8.006 


8733 


263 


u 23 


2.922 


3 653 


4.383 


5.114 


5.814 


6.575 


7.306 


8 036 


8.767 


264 


4 21 


2.933 


3.667 


4.400 


5.133 


5.867 


6.600 


7.333 


8.067 


8.800 


265 


4 25 


2.944 


3681 


4.417 


5.153 


5.8S9 


6.625 


7 361 


8.097 


8.833 


266 


44 26 


2.956 


3.694 


4.433 


5.172 


5.911 


6650 


7 389 


8.128 


8 867 


267 


44 27 


2967 


3.708 


4.450 


. 5.192 


5.933 


6.675 


7.417 


8.158 


8.900 


263 


44 28 


2.978 


3.722 


4.467 


5.211 


5.956 


6.700 


7.444 


8.189 


8.933 


269 


« 29 


2.989 


3.736 


4.483 


5.231 


5.978 


6.725 


7.472 


8.219 


8.967 


270 


" 30 


3 000 


3.750 


4500 


5.250 


6.000 


6.750 


7.500 


8.250 


9.000 



20 



UK ATT Y S SHORT METHOD 





M D 

9 1 


4^ 


5jZ 


6% 


7£ 


8* 


n 


10* 


11* 


12* 


271 


3.011 


3764 


4.517 


5269 


6.022 


6.775 


7.528 


8.281 


9.033 


272 


u 2 


3.022 


3.778 


4533 


5.289 


6.044 


6.800 


7556 


8311 


9.067 


273 


14 3 


3.033 


3.792 


4.550 


5 308 


6.067 


6 825 


7.583 


8.342 


9.100 


274 


*• 4 


3.044 


3.806 


4.567 


5 323 


6.089 


6.850 


7611 


8 372 


9.133 


275 


14 5 


3.056 


3.819 


4.583 


5.347 


6.111 


6.875 


7 639 


8.403 


9 167 


276 


" 6 


3 067 


3833 


4 6.0 


5 367 


6133 


6.900 


7.669 


8.433 


9 200 


277 


u 7 


3.078 


3.847 


4.617 


5.386 


6 156 


6 925 


7.694 


8.464 


9.233 


278 


44 8 


3.089 


3 861 


4.633 


5.406 


6.178 


6.950 


7.722 


8.494 


9.267 


279 


" 9 


3 100 


3.875 


4.650 


5.425 


6 200 


6 975 


7.750 


8 525 


9.300 


280 


14 10 


3.111 


3.^89 


4 667 


5 444 


6 222 


7.000 


7.778 


8556 


9333 


281 


" 11 


3 122 


3 903 


4.683 


5.464 


6.244 


7.025 


7.836 


8.536 


9.367 


282 


11 12 


3.133 


3.917 


4.700 


5 483 


6.207 


7.050 


7 833 


8.617 


9.400 


283 


" 13 


3.144 


3.931 


4 717 


5.503 


6.2S9 


7 075 


7 861 


8.647 


9 433 


281 


u 14 


3156 


3.944 


4.733 


5.522 


6.311 


7.100 


7 889 


8.C7S 


9 467 


285 


" 15 


3.167 


3 958 


4.750 


5.512 


6 333 


7.125 


7917 


8.703 


9 500 


28G 


14 16 


3.178 


3 972 


4.767 


5.561 


6 356 


7.150 


7944 


8.739 


9.533 


287 


u 17 


3.189 


3 986 


4.783 


5.581 


6.378 


7.175 


7.972 


8.769 


9.567 


288 


k4 18 


3.200 


4.000 


4.800 


5.600 


6.400 


7 200 


8.000 


8 8 JO 


9.600 


289 


14 19 


.3.211 


4.014 


4.817 


5.619 


6.422 


7.225 


8.02S 


8.S31 


9.633 


290 


" 20 


3. 222 


4.028 


4.833 


5.639 


6.444 


7.250 


8.056 


8.861 


9.667 


291 


" 21 


3.233 


4.042 


4.850 


5 658 


6.467 


7.275 


8.083 


8 892 


9.700 


292 


14 22 


3.244 


4.056 


4.867 


5.678 


6.489 


7300 


8.111 


8.922 


9.733 


293 


" 23 


3.256 


4.069 


4.883 


5 697 


6.511 


7 325 


8.139 


8.951 


9 767 


291 


14 24 


3267 


4.083 


4.900 


5.717 


6533 


7.350 


8.167 


8.984 


9 800 


295 


" 25 


3.278 


4X97 


4.917 


5.736 


6 556 


7375 


8194 


9 014 


9 833 


296 


14 26 


3.289 


4111 


4933 


5.756 


. 6.573 


7.400 


8.222 


9.044 


9 867 


297 


" 27 


3.300 


4125 


4 950 


5 775 


6.6C0 


7.425 


8 250 


9 075 


9 900 


298 


" 28 


3.311 


4.139 


4.967 


5.794 


6.622 


7 450 


8278 


9.106 


9933 


299 


14 29 


3.322 


4.153 


4983 


5.814 


6 644 


7475 


8.306 


9 136 


9967 


300 


41 30 


3 333 


4.167 


5.000 | 5 c 33 


6 667 


7500 


8 333 


9167 


10 000 



OF COMPUTING INTEREST. 



21 





M I) 




5* 


H 


7* 


$% 


% 


10* 


11* 


12* 


301 


10 1 


3.344 


4.181 


5.017 


5 853 


6 689 


7.525 


8 361 


9 197 


10.033 


302 


* 2 


3.356 


4194 


5.033 


5.872 


6.711 


7 550 


8.389 


9.228 


10 067 


303 


M 3 


3.367 


4.208 


5 050 


5.S92 


6.733 


7 575 


8.417 


9 253 


10.110 


304 


u 4 


3 378 


4 222 


5.0G7 


5 911 


6.756 


7.600 


8.444 


9.289 


10.133 


305 


M 5 


3 389 


4.236 


5.083 


5 931 


6 778 


7 625 


8 472 


9.319 


10.167 


306 


44 6 


3 400 


4.250 


5.100 


5.950 


6 800 


7650 


8.500 


9 350 


10.200 


307 


.< 7 


3.411 


4 264 


5 117 


5.9G9 


6.822 


7.675 


8 528 


9.381 


10.233 


308 


" 8 


3.422 


4 273 


o loo 


5.989 


6.844 


7.700 


8.556 


9.411 


10.267 


309 


- 9 


3.433 


4292 


5.150 


6 008 


6 867 


7.725 


8.533 


9.442 


10.300 


310 


M 10 


3.444 


4 306 


5.167 


6.023 


6889 


7.750 


8.611 


9.472 


10.333 


311 


" 11 


3 456 


4.319 


5.183 


6 047 


6 911 


7.775 


8 639 


9 503 


10.367 - 


312 


M 12 


3.467 


4 333 


5.200 


6.067 


6.933 


7.800 


8.667 


9533 


10.400 


313 


l< 13 


3478 


4.34T 


5 217 


6.086 


6956 


7 825 


8694 


9.564 


10.433 


314 


>i 14 


3.489 


4.361 


5.233 


6.106 


6.978 


7.350 


8.722 


9.594 


10.467 


315 


44 15 


3.500 


4.375 


5.230 


6.125 


7.000 


7.875 


8.750 


9 625 


10.500 


31G 


" 16 


3.511 


4.389 


5.267 


6.144 


7.022 


7 900 


8.778 


9 GoG 


10.533 


317 


« 17 


3.522 


4.403 


5.233 


6.164 


7.044 


7.925 


8 8)6 


9686 


10.567 


318 


u 18 


3533 


4.417 


5 300 


6.183 


7.067 


7 950 


8.833 


9.714 


10.600 


319 


" 19 


3.544 


4.431 


5317 


6 203 


7.089 


7.975 


8.861 


9 747 


10.633 


320 


M 20 


3.556 


4.444 


5.333 


6222 


7.111 


8.0 


8.8S9 


9.773 


10.667 


321 


•' 21 


3.567 


4 458 


5.350 


6 242 


7 133 


8.025 


8.917 


9 808 


10.700 


322 


* 22 


3.573 


4.47 2 


5.367 


6.261 


7.156 


8 050 


8 944 


9 8:9 


10.733 


323 


44 23 


3.589 


4.48G 


5 383 


6.281 


7.178 


8.075 


8.972 


9869 


10.767 


324 


•< 24 


3.600 


4 500 


5 400 


6.3J0 


7.200 


8.100 


9 000 


9 900 


10.800 


3C5 


11 25 


3.611 


4.514 


5.417 


6 319 


7.222 


8.125 


9.028 


9 931 


10.833 


326 


" 26 


3.622 


4.528 


5.433 


6 339 


7.244 


8.150 


9 056 


9.961 


10.867 


327 


l< 27 


3.633 


4 542 


5.450 


6.353 


7.207 


8 175 


9 083 


9.992 


10 900 


328 


" 28 


3.614 


4 556 


5467 


6378 


7.289 


8 200 


9111 


10 022 


10.933 


329 


" 29 


3.656 


4.569 


5.483 


6 397 


7.311 


8 225 


9139 


10.053 


10.907 


330 


14 30 


3 667 


4.583 


5 500 


6 416 


7 333 


8250 


9167 


10.081 


11.000 



22 



BEATTYS SHORT METHOD 





M D 


4^ 


5# 


H 


7£ 


8% 


H 


10# 


\\% 


12$ 


331 


11 1 


3.678 


4.597 


5.517 


6 436 


7.356 


8 275 


9.194 


10.114 


11.033 


332 


u 2 


3.689 


4.611 


5.533 


6.456 


7 378 


8300 


9.222 


10.144 


11.067 


OOO 


11 3 


3.700 


4.625 


5.550 


6.475 


7.400 


8 325 


9.250 


10.175 


11.100 


334 


« 4 


3.711 


4.639 


5567 


6.494 


7.4'22 


8 350 


9.278 


10.200 


11.133 


335 


M 5 


3.722 


4.653 


5.583 


6514 


7.444 


8 375 


9.306 


10.236 


11 167 


336 


" 6 


3.733 


4.667 


5.6u0 


6.533 


7 467 


8 400 


9.333 


10.267 


11.200 


337 


u 7 


3744 


4.681 


5.617 


6 553 


7 489 


8 425 


9 361 


10.297 


11.233 


3C8 


11 8 


3756 


4694 


5.633 


6.572 


7.511 


8.450 


9.389 


10.328 


11.267 


339 


" 9 


3.767 


4 708 


5.650 


6 592 


7 533 


8 475 


9417 


10 358 


11.300 


340 


" 10 


3 778 


4.722 


5 667 


6.611 


7.556 


8.500 


9 444 


10 389 


1 i.333 


341 


" 11 


3.789 


4736 


5.683 


6631 


7.578 


8.525 


9.472 


10.417 


11.367 


342 


" 12 


3.800 


4.750 


5700 


6 650 


7 600 


8.550 


9 500 


10.450 


11.400 


343 


" 13 


3.811 


4.764 


5.717 


6.669 


7 622 


8.575 


9 528 


10.481 


11.433 


344 


u 14 


3.822 


4.778 


5.733 


6 689 


7644 


8 COO 


9 556 


10.511 


11467 


34", 


" 15 


3 833 


4.792 


5750 


6 708 


7.667 


8 625 


9.583 


10 542 


11.500 


340 


" 16 


3.844 


4.806 


5 767 


6.72S 


7.6S9 


8.650 


9611 


10.572 


11.533 


347 


" 17 


3.856 


4.819 


5.783 


6.747 


7.711 


8675 


9.639 


10.603 


11.567 


318 


" 18 


3 867 


4833 


5.800 


767 


7.733 


8.700 


9.667 


10.033 


11.600 


349 


" 19 


3.878 


4 817 


5 817 


6 786 


7 756 


8 725 


9.694 


10.664 


11.633 


350 


" 20 


3.889 


4 861 


5.833 


6 805 


7.778 


8 750 


9.722 


10.694 


11.667 


351 


" 21 


3 900 


4.875 


5.850 


6.825 


7.800 


8.775 


9.750 


10.725 


11.700 


C52 


« 22 


3.911 


4 889 


5867 


6844 


7.822 


8 800 


9778 


10.756 


11.733 


353 


" 23 


3.922 


4 903 


5.883 


6.864 


7.844 


8825 


9.8J6 


10 786 


11.767 


354 


" 24 


3 933 


4.917 


5 900 


6 883 


7.867 


8850 


9833 


10.817 


11800 


355 


u 25 


3.944 


4931 


5.917 


6 903 


7.8S9 


8 875 


9 861 


10 847 


11.833 


356 


k ' 26 


3.956 


4.944 


5.933 


6922 


7.911 


8.900 


9 889 


10878 


11.867 


357 


" 27 


3967 


4.958 


5 950 


6.912 


7.933 


8.925 


9917 


10.90^ 


11 900 


358 


■' 28 


3.978 


4 972 


5.967 


6 961 


7.956 


8.950 


9 944 


10.939 


11933 


359 


- 29 


3.989 


4986 


5.983 


6 981 


7.978 


8.975 


9972 


10.969 


11.967 


TO) 


>« r.o 


4 000 


5.000 


6.000 


7 000 


8.0'0 


9 000 


10 000 


1 1 Ono 


12 000 



OF COMPUTING INTEREST. 



23 



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SHORT METHOD 




Condensed Tenths. 



In this manner of counting interest we condense the tenths. 

All interest is counted and carried to the left by tens, and we 
adopt the following plan in order to get divisors for the different 
rates per cent. Divide 86 by the rate per cent, and that will give 
us a divisor to divide the time or the principal. At 4£ it takes 9 
days before we gain ^ of a unit. 

At of c it takes 74 days. 
At 6% it takes 6 days. 
At 1% it takes 5i days. 
At 8% it takes 44 days. 
At 9,< it takes 4 days. 
At l(y it takes 3 T 6 s days. 
At IK it takes 3^ days. 
At 12;" it takes 3 days. 

(*5) 



26 beatty's short method 

36 being one-tenth of 360 days, divide 36 by the rate per cent, 
and take the quotient as a divisor, for the time reduced to days. 
Multiply this by the principal and the result will be the interest, 
or divide the principal and multiply by the time. We can divide 
either the time or the principal, but in either case the quotient 
must be multiplied by the other factor, as we already have the 
the tenths condensed and have the rate per cent, in the divisor. 

For 5#, 7$, 10$ and \\% it is best to divide the entire time or 
principal by 36 and then multiply by the rate per cent., as it is 
difficult to handle these small fractions as divisors. 

Example 1. Find the interest on $210.00 for G months at 8%. 

6 months=lS0 days. 

8)36 00 210 

.04 



4.5)180 



40 tenths or 4 cents. 



$8 40 



Example 2. Find interest on $6,846.00 for 3 days at < 

6 )6M6 
1141 



$3.43,3 

Example 3. Find the interest on $9,729 00 for 5 days at \ 
4.5 )9720 

2 62 

"» days. 

f IH81, I 



OF COMPUTING INTEREST. 



Example 4. Find the interest on same sum, for 5 days at 

6)9729 



1621^ 
5 



$8.10,7^ 
Find interest on same sum for same time at 1%. 
36)9729 



1891 # 
5_ 

$9.45,8^ 

Observe that in the above examples we have but one-tenth 
below the zero line, and any fraction that is annexed either in the 
time or the principal, is cut off. In the fraction of a dollar, cut 
off two places and as many tenths, hundredths, thousandths, etc., 
as are annexed. In examples 2 and 4, where we divide the prin- 
cipal by 6, we get one-sixth of the principal, and by multiplying 
the one-sixth by any number of days, and cutting off the right 
hand figure, we have the interest for the given number of days 
at G£. In the 4th example should we have any other per cent, 
than six, the interest can be obtained by dividing a second time 
by 6 or the whole principal by 36, and multiplying first by the 
rate per cent, and then by the time. 

When it occurs that the divisor for the rate per cent, equals the 
time, cut off the right hand dollar figure of the principal, and the 
interest remains. See following example: 



-S beatty's short method 



Find the interest on $6,450.00 for 6 days at 6#. 

6)6450 

107.5 
6 

$645 

Find the interest on $6,390.00 for 9 days at 4%. 

9 )6390 Answer $6.39. 

710 
9 

639.0 



OF COMPUTING INTEREST. 29 



Miscellaneous Protoleixis. 



Example 1. In what time will $900.00 gain $11.00, at 5#? 
5)360 days in 1 year. 

~72 
11 

72 
72 



9)792 

88 days. 



Example 2. In what time will $924.00 gain $151.53.6, at 

151.53.6 
6)36( 6 



92-1)909.21.6(984 days =2 yrs., 8 mo., 24 days. 

Example 3. How much money in 2 yrs., 6 mo., at 1% 

will amount to $136.53.5? 

2 vears=24 months. 
6 " 
12)30_ 
2.5 

7 



17.5 on $1.00 for given time, and $1.00 with the in- 
terest for 30 monthsz=1.17.5. 
1.17.5)1 36.53.5 
$116.20 



30 beatty's short method 



Example 4. Received $381.15 for 3yrs., 3 mo., 18 days, 
on a note of $1,650, what is the rate per cent? 

3 yrs.=36 mo. 3)18 days. 

3 « ~Q 

39 " 

12)396 $1650 

1*3 33 

4950 
4950 



5445)381.15(7^ 



Example 5. In what time will $2,000 amount to $2,340 at S%? 

2340 
2000 



340 
8)360 45 



1700 
1360 



2000)15300 



765 days=2 yrs., 1 mo., 15 days.