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The interest rate, to be divided by 12 for a loan with monthly payments The total number of payments for the loan The amount loaned (pv is short for present value, or principal) The amount to be left over at the end of the payment cycle (usually left blank, which indicates 0) 0 or 1, indicating whether payments are made at the beginning or at the end of the month (usually left blank, which indicates 0, or the end of the month)

1. 2. 3. 4.

The following suggestions are specific to Stop 0xA errors . For additional troubleshooting suggestions that apply to all Stop errors, see the section titled Stop Message Checklist later in this chapter .

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Manipulating Data with VBA If you wanted to borrow $20,000 at an 8 percent interest rate and pay the loan back over 24 months, you could write the formula in a worksheet cell as =PMT(8%/12, 24, 20000), which results in a monthly payment of $904.55. In Excel VBA, you would once again use the Application.WorksheetFunction object to call the PMT function within a VBA function pro cedure. The sample procedure assumes the rate is in cell B2, the number of payments is in cell B3, the amount borrowed is in cell B4, the amount owed at the end of the loan (always 0) is in cell B5, and the time when a payment is made (leave blank to use the default value) is in cell B6.

To resolve an error caused by a faulty device driver, system service, or basic input/output system (BIOS), follow these steps:

1. Restart your computer . 2. Press F8 at the character-based menu that displays the operating system choices .

To resolve an error caused by an incompatible device driver, system service, virus scanner, or backup tool, follow these steps:

Public Function MonthlyPayment(rate, nper, pv, fv, when) As Currency With Application.WorksheetFunction MonthlyPayment = .Pmt(rate / 12, nper, pv, fv, when) End With End Function Public Sub Payment() MsgBox (MonthlyPayment(Range("B2"), Range("B3"), Range("B4"), _ Range("B5"), Range("B6"))) End Sub

2. Try disabling memory caching of the BIOS . 3. Run the hardware diagnostics supplied by the system manufacturer, especially the

4. Make sure the latest Service Pack is installed . 5. If your system has small computer system interface (SCSI) adapters, contact the

You might have noticed that in the MonthlyPayment function the type argument is replaced with when it s because type is a reserved word in VBA and Excel generates an error when the compiler encounters it.

adapter manufacturer to obtain updated Windows drivers . Try disabling sync negotiation in the SCSI BIOS, checking the cabling and the SCSI IDs of each device, and confirming proper termination .

Primary only . Also, check each IDE device for the proper master/subordinate/ stand-alone setting . Try removing all IDE devices except for hard disks .

There are also Excel worksheet functions that you can use to determine the amount of a pay ment devoted to interest and to the loan s principal. These calculations are important for tax reasons. For example, if the interest on your home loan is tax-deductible, it helps to know exactly how much of each monthly payment represents interest and how much pays down the principal. The IPMT worksheet function lets you calculate how much of a payment goes toward interest. The syntax of the IPMT function is similar to the PMT function s syntax, but there are some key differences.

If you encounter a Stop 0xA message while upgrading to Windows 7, the problem might be due to an incompatible driver, system service, virus scanner, or backup . To avoid problems while upgrading, simplify your hardware configuration and remove all third-party device drivers and system services (including virus scanners) prior to running setup . After you have successfully installed Windows, contact the hardware manufacturer to obtain compatible updates . For more information about simplifying your system for troubleshooting purposes, see 30 . If the Stop error occurs when resuming from hibernation or suspend, read Knowledge Base articles 941492 at http://support.microsoft.com/kb/941492 and 945577 at http://support.microsoft.com/kb/945577 . If the Stop error occurs when starting a mobile computer that has the lid closed, refer to Knowledge Base article 941507 at http://support.microsoft.com/kb/941507 .

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