Complete How To Figure It


An all-in-one compendium of easy techniques for all kinds of calculations, from personal finance to home improvement.
Budgeting and personal finance, planning for retirement, buying a house, estimating travel and leisure expenses, estimating costs of home repair: modern life presents us with an array of calculations we need to make but may not know how. Now, with his trademark wry humor and simple language, Darrell Huff explains how to figure: the likely outcome of different ...

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An all-in-one compendium of easy techniques for all kinds of calculations, from personal finance to home improvement.
Budgeting and personal finance, planning for retirement, buying a house, estimating travel and leisure expenses, estimating costs of home repair: modern life presents us with an array of calculations we need to make but may not know how. Now, with his trademark wry humor and simple language, Darrell Huff explains how to figure: the likely outcome of different investments; how much home insurance is enough; whether it makes more sense to buy or lease a new car; the most efficient way to save for future needs, from vacations to college tuition; air-conditioning and heating requirements for a new house; how many rolls of wallpaper you will need for a particular room; and much more. Here are tips for getting the most out of a modest pocket calculator or home computer to make tedious calcuations easy, a handy chapter on "Math in a Hurry," and even tips on improving your chances in tennis, horse racing, and blackjack.

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Product Details

  • ISBN-13: 9780393319248
  • Publisher: Norton, W. W. & Company, Inc.
  • Publication date: 8/1/1999
  • Pages: 490
  • Sales rank: 1,506,272
  • Product dimensions: 6.00 (w) x 9.00 (h) x 1.09 (d)

Meet the Author

Darrell Huff lives in Carmel, California.

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Table of Contents

Just a word v
Chapter A Lifetime Money Strategy 2
What's Future Money Worth Now? 3
Whither the Dollar? 4
Quick Look at Monthly Money 6
How a Retirement Plan Grows 7
Figuring Inflation into Retirement 7
How Much Life Insurance? 8
Forecasting Your Income 9
Are You Throwing Away a House? 10
Living on a Savings Account 13
Appraise a Bank Bargain 14
Strategy for Checking 14
Factoring Inflation into Income 16
How Much Can You Take Out? 18
Casing Inflation 19
That Old Bugaboo, Average Rate of Increase 20
The Mortgage that Pays YOU 21
Lazy Person's Withdrawal Chart 23
Money Now or Money Later? 24
Prepay That Mortgage? 26
Chapter B Some Personal Things 28
Figuring Your Life Expectancy 29
Decisions: His Way or Hers? 30
Does College Pay? 32
Getting Pregnant 34
Does a Second Job Pay? 35
Junior Doses 39
Chart Your Biorhythms? 39
Chapter C Interest and Saving 44
Yield and the Rule of 72 45
Fooling Around with Old 72 46
What's That Rate of Return? 47
The Day You Save 48
Figuring Simple Interest 49
Figuring Compound Interest 50
Interest Compounded Continuously 51
Effective Rate of Interest 53
Beware the Iron Law 53
How Much Goes for Interest? 56
When Interest Rates Change 57
The Interesting e 58
Comparing Retirement Plans 59
Interest by Calculator 61
How Regular Savings Grow 62
Saving: How Much per Month? 63
Figuring a Set-Aside 65
How Much Interest Are You Getting? 66
Chapter D Investing 68
Finding Earned-Growth Rate 69
Tailoring an Investment 69
Local Taxes and Investing 71
Keogh? Ira? 71
Compounding Your Money 73
Retirement Fund Accumulation 74
What Does an Annuity Cost? 75
How Much Annuity Can You Buy? 76
What's an Annuity Worth? 77
Decoding the Phony "Average Return" 78
How Does Dollar Averaging Work? 80
Super Dollar-Cost Averaging 81
Value-Averaging Your Investment 82
What's a Tax-Exempt Bond Worth? 82
Income from Capital 84
How'd That Investment Do? 85
The Moving Average 85
How Much Does a Treasury Bill Yield? 86
Is Tax-Free for You? 87
What Percent Does a Stock Yield? 88
Figuring Percentage Gain 90
Total Return and the Deceptive Average 91
Understanding Bond Language 92
Chapter E Other People's Money 94
The Everlasting Payoff 95
Credit: How Much Is Too Much? 97
How's Your Credit Rating? 98
Real Cost of a Discounted Loan 99
Calculating the Cost of Credit 100
Figuring an Early Payoff 101
Payoff Rule of 78s 102
When You Make Partial Payment 102
How Big Is That Carrying Charge? 103
What, Borrow on My Life Insurance? 105
Chapter F Getting a Home Loan 106
Hiring the Money 107
How Much Can You Get? 108
That Important Percent 109
Variable or Fixed? 110
Those Tricky Points 112
Penalties, Options, Balloons 113
Closing Costs 114
Assume or Buy Subject To? 114
How About a Second? 115
The Land Contract 116
Trying a Mortgage for Size 117
How Much per Year? 117
Figuring a FLIP 119
Cost of a Mortgage Bargain 120
Hidden Side of a Home Loan 121
How Much Will Your Payments Be? 122
Setting Up a Payment Schedule 124
Chapter G Spending 126
The (Relatively) Painless Budget 127
Buy Now? Buy Later? 129
How Much Inflation? 130
Puzzle of the Price Markup 132
What's That Price Increase? 132
A Look Today at Tomorrow's Costs 133
Realism at the Supermarket 135
Buy Meat Wholesale? 137
High Cost of Living Like a Dog 138
How Much Rebate? 138
Inflation and the Metric Trick 139
Chapter H Measuring Things 140
Human Yardstick 141
How's the Wind Up There? 141
Power of a Wave 142
Weighing with Coins 143
Comparing TV Picture Sizes 143
Measuring the Unmeasurable 144
How Tall Is It? 144
Height by Trig 146
How Big Is a Tree? 146
Speed of Sound in Water 146
How Much Does It Slope? 147
Light Through a Prism 148
Estimating Water Flow 149
How Far Away Is It? 150
How Fast the Fall? 151
How Deep the Well? 152
The Metric Nickel 153
How High Is Up? 153
Measuring Height by Angle 154
How Big a Pinhole? 154
How Fast Will It Cool? 155
How Cold Will It Get? 156
Recipes for Odd Numbers 157
Chapter I House Planning 158
Where To Live 159
How Big a House? 159
How Much Wind Can This Building Take? 160
Figuring Window Location 161
Costly Window Placement 164
How Much Glass? 165
How Much Solar Overhang? 167
Choosing a Solar Angle 167
Fighting Noise Pollution 168
Figuring Plumbing Plans 173
Chapter J Building Things 176
Aggregate for Concrete 177
Figuring Ready-Mix 177
When You Mix Concrete 178
Framing: 16- or 24-Inch? 179
Expansion of Acrylic Sheets 180
Figuring Kitchen Cabinets 180
How Stout Is Rough Lumber? 182
How Big a Beam from a Log? 183
To Build a Winding Stairway 184
How to Figure Steps 185
Chapter K Measuring at Home 188
How Big Is a Room? 189
Three-Four-Five Is Not the Only Square 190
When an Area Is Irregular 192
How Many Floor Tiles? 193
How Many Squares to a Roof? 193
Wallpaper: How Many Rolls? 194
Measuring for Paneling 195
How Much Paint? 196
To Draw a Contour Map 197
How Much Water Are You Using? 199
How Hard Is Your Water? 200
To Measure a Chair 201
Chapter L Rafters and Beams 202
To Cut a Rafter 203
The Tangent and the Rafter 204
Beams: How Strong, How Stiff? 206
Strength of a Beam 207
When Beams Get B-I-G 210
Case of the Unequally Loaded Beam 211
Figuring Deflection 212
Anyone for Cantilevers? 214
Horizontal Shear 216
Chapter M Around the House 218
How Many Degree Days? 219
Sizing a Wood Stove 219
Cord of Wood, Ton of Coal 220
Wood or Coal? 220
Comparing Furnace Efficiencies 221
What Does Heat Cost? 221
How Much Heat Loss? 223
Costing a Heat Pump 225
Heat Storage, Heat Loss 225
Trying a Cooler for Size 226
Meeting Insulation Requirements 227
Figuring Areas for Insulation 228
How Much Insulation? 228
Shading a House 230
To Ventilate a House 230
What's a Square Foot of Ventilation? 232
How Much Can the Sun Save You? 232
Capacity of a Solar Water Heater 234
What Will a Circuit Take? 235
What's a Switch Worth? 235
Working Out an Island Sink 236
Loading a Waterbed 237
Aiming a Satellite Dish 238
Chapter N Operating Your Shelter 240
To Build a House 241
Managing a Mortgage 244
Shrink a Mortgage? 247
Your Depreciating House 247
How to Sell a House 249
Property-Tax Strategy 250
How Much Home Insurance? 252
Cost-Effective Energy Saver? 254
Fueling the Water Heater 255
How Much Heat in Firewood? 256
What Does Fuel Cost? 257
Mobile Home--Does It Figure? 258
Free Color TV? 262
Cork in the Eye 263
Chapter O Workshop Numbers 264
How Big a Box? 265
How Wide Is This Board? 265
To Divide a Board 266
How Big the Bolt or Screw? 267
Confounded Compound Cuts 267
How Big a Pipe Wrench? 268
From RPM to SFM in One Jump 268
Shelf Math 269
Figuring Torque 270
What Size Wrench? 271
How Fat a Wire? 271
Radius of an Arc 272
How Tall Is My Grandfather? 272
Chapter P Your Car 274
What Does a Car Cost? 275
How Long to Charge a Battery 279
What Do Skid Marks Tell? 279
Going Sixty 280
Analyzing Gas-Station Lines 281
Engine Displacement 282
Chapter Q Travel 284
Jet Lag 285
Tactics for Travel Funds 286
What Does Devaluation Cost? 289
Global Distances 290
The Tricky Average Speed 291
Your Clothing Size 291
More Dangerous Way To Go? 293
How Warm Is a Sleeping Bag? 293
Liters, Kilometers, Gallons 295
What's That in Real Money? 296
Finding a Mach Number 298
Thinking About Time Travel 299
Einstein: Mass at Speed 300
Chapter R Outdoors 302
Weigh a Mountain, Measure a Pond 303
Water Over the Dam 304
Water Power Calculated Quickly 306
Horsepower in a Stream 307
Water and Kilowatts 307
How Far Can You See at Sea? 308
The Accurate Cricket 309
Camera's Hyperfocal Distance 309
Need a Ped Xing? 311
Acceleration from Gravity 312
How To Bank a Road 313
Underpass for a Bicycle 314
When the Tide? 315
How High the Tide? 316
Ship's Propulsion Power 318
How Far the Projectile? 318
Quick Height Measurement 319
How High the Shot? 320
How Long to Fall? 321
Where on Earth Is It? 321
Speed and Power 323
Figuring Air Pressure 324
Siting a Windmill 324
How Much Wind Is Enough? 324</
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