Hi.....I've gone through most of the posts here (as well as on-line help) but
can't seem to get this to work. Any suggestions would be appreciated. I
feel like a total dork.

Cell G5 is: $13,068.00 (a predetermined value)
Cell P5 is: 3.19% (also a predetermined value)
Cell Q5 is: $5,002.43 [using a formula of: =(G5*12)*P5

The calculated amount in Q5 is technically correct. However, I need to
round it down to show $5,002.00, including the $ sign and .00. Using ROUND,
I can get it to 5,002 -- but without the $ sign or .00

Alternatively, if P5 is 3.25%, the calculated result in Q5 of $5,096.52 is
also technically correct, but I need to round it up to show $5,097.00

There is a lot of rounding either up or down on this spreadsheet (down if
under 50 cents, and up for 50 cents and above).

Thank you for your time!