    COMPARISON OF METHODS FOR PAYING FOR PURCHASES                              
WHEN AN ITEM IS PURCHASED SOMETIMES THE USER HAS SEVERAL                        
CHOICES AS TO HOW PAYMENT SHOULD BE MADE. FIRST OF ALL THERE                    
MAY BE A PREPAYMENT. SUCH PREPAYMENT IS GENERALLY ACCOMPANIED                   
BY  A DISCOUNT. THERE ITEM MAY ALSO COME COD AND THERE MAY BE                   
A DISCOUNT FOR PAYING ON DELIVERY. LASTLY THE ITEM MAY COME                     
WITH TERMS. GENERALLY THIS MEANS THAT THERE IS A DEADLINE                       
SUCH THAT IF PAYMENT IS MADE BEFORE THAT TIME THERE IS NO                       
PENALTY.                                                                        
                                                                                
THE USER CAN COMPARE THE 3 METHODS OF PAYMENT VIA A PRESENT                     
VALUE ANALYSIS  IF HE CAN ESTIMATE HIS INTEREST RATE FOR                        
MONEY.                                                                          
                                                                                
PRESS ENTER TO BEGIN?                                                           
ENTER YOUR INTEREST RATE(%)? 3.25                                               
ENTER LIST PRICE OF PURCHASE ? 100000                                           
ENTER NUMBER OF MONTHS IN ADVANCE FOR EARLY PAYMENT? 15                         
ENTER DISCOUNT AMOUNT FOR MAKING EARLY PAYMENT? 7                               
ENTER DISCOUNT AMOUNT FOR COD                ? 15                               
ENTER # OF MONTHS(OR PART) AFTER DELIVERY FOR NET PAYMENT? 1                    
                                                                                
PRESENT VALUES ARE COMPUTED WITH RESPECT TO DAY OF DELIVERY                     
                                                                                
PRESENT VALUE OF EARLY PAYMENT = 99993                                          
PRESENT VALUE OF PAYING COD    = 99985                                          
PRESENT VALUE OF NET TERMS     = 99729.9                                        
                                                                                
PRESS ENTER FOR MORE COMPUTATION? -1                                            
