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welcome to exile magic took 1007 hey if you want to download this workbook 1007 click on the link below the video hey in this video were going to learn a bunch of little tricks about how to use excel all together but were gonna build a schedule for a loan payment now our loan payment or we borrow the bank loans have 1200 heres the annual rate ah but its gonna be semi-monthly so instead of 12 payments Ill be 24 and the start of the loan is 715 and I want to build a schedule where I dont have to type out the date 7:15 8:15 and I dont want to have to type out the end of the month so I want a quick easy way to build this schedule the first thing is payment theres a function that Ill tell you if you have this amount of loan in these details exactly how much each semi monthly payment is so equals PMT it wants the rate ah but the trick to financial functions like payment and rate and future value and president is that all of the inputs have to save and be in the same time period so w