Excel Notes
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3D Reference
 combines sheet reference and cell reference
 example: SUM(sheet1:sheet3!B1:B3) adds all the values from B1 to B3 in all the sheets from sheet 1 to sheet 3.

Relative reference
when the "fill handle" is dragged and formulas change automatically adjusting for the new position.

Absolute reference
when the "fill handle" is dragged the same cell reference is kept where a "$" is added.

Pivot Table
an interactive table enabling you to quickly group and summarize large amounts of data

Loan Payment Formula
Payment=(i + [ i/ [(1+i)^{loan term}]1]) x loan amount

Payment Function
 given yearly interest rate and yearly loan term
 PMT=(r/12, loan term x 12, loan amt)

VLOOKUP
looks for a value from a given cell in the leftmost column of a table and then returns a value in the same row from the column you specify

IF
logical function which checks to see if a condition is met, and returns one value if TRUE, and another if FALSE.