Texas Instruments Calculator Bedienungsanleitung

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Zur Seite of

Richtige Gebrauchsanleitung

Die Vorschriften verpflichten den Verkäufer zur Übertragung der Gebrauchsanleitung Texas Instruments Calculator an den Erwerber, zusammen mit der Ware. Eine fehlende Anleitung oder falsche Informationen, die dem Verbraucher übertragen werden, bilden eine Grundlage für eine Reklamation aufgrund Unstimmigkeit des Geräts mit dem Vertrag. Rechtsmäßig lässt man das Anfügen einer Gebrauchsanleitung in anderer Form als Papierform zu, was letztens sehr oft genutzt wird, indem man eine grafische oder elektronische Anleitung von Texas Instruments Calculator, sowie Anleitungsvideos für Nutzer beifügt. Die Bedingung ist, dass ihre Form leserlich und verständlich ist.

Was ist eine Gebrauchsanleitung?

Das Wort kommt vom lateinischen „instructio”, d.h. ordnen. Demnach kann man in der Anleitung Texas Instruments Calculator die Beschreibung der Etappen der Vorgehensweisen finden. Das Ziel der Anleitung ist die Belehrung, Vereinfachung des Starts, der Nutzung des Geräts oder auch der Ausführung bestimmter Tätigkeiten. Die Anleitung ist eine Sammlung von Informationen über ein Gegenstand/eine Dienstleistung, ein Hinweis.

Leider widmen nicht viele Nutzer ihre Zeit der Gebrauchsanleitung Texas Instruments Calculator. Eine gute Gebrauchsanleitung erlaubt nicht nur eine Reihe zusätzlicher Funktionen des gekauften Geräts kennenzulernen, sondern hilft dabei viele Fehler zu vermeiden.

Was sollte also eine ideale Gebrauchsanleitung beinhalten?

Die Gebrauchsanleitung Texas Instruments Calculator sollte vor allem folgendes enthalten:
- Informationen über technische Daten des Geräts Texas Instruments Calculator
- Den Namen des Produzenten und das Produktionsjahr des Geräts Texas Instruments Calculator
- Grundsätze der Bedienung, Regulierung und Wartung des Geräts Texas Instruments Calculator
- Sicherheitszeichen und Zertifikate, die die Übereinstimmung mit entsprechenden Normen bestätigen

Warum lesen wir keine Gebrauchsanleitungen?

Der Grund dafür ist die fehlende Zeit und die Sicherheit, was die bestimmten Funktionen der gekauften Geräte angeht. Leider ist das Anschließen und Starten von Texas Instruments Calculator zu wenig. Eine Anleitung beinhaltet eine Reihe von Hinweisen bezüglich bestimmter Funktionen, Sicherheitsgrundsätze, Wartungsarten (sogar das, welche Mittel man benutzen sollte), eventueller Fehler von Texas Instruments Calculator und Lösungsarten für Probleme, die während der Nutzung auftreten könnten. Immerhin kann man in der Gebrauchsanleitung die Kontaktnummer zum Service Texas Instruments finden, wenn die vorgeschlagenen Lösungen nicht wirksam sind. Aktuell erfreuen sich Anleitungen in Form von interessanten Animationen oder Videoanleitungen an Popularität, die den Nutzer besser ansprechen als eine Broschüre. Diese Art von Anleitung gibt garantiert, dass der Nutzer sich das ganze Video anschaut, ohne die spezifizierten und komplizierten technischen Beschreibungen von Texas Instruments Calculator zu überspringen, wie es bei der Papierform passiert.

Warum sollte man Gebrauchsanleitungen lesen?

In der Gebrauchsanleitung finden wir vor allem die Antwort über den Bau sowie die Möglichkeiten des Geräts Texas Instruments Calculator, über die Nutzung bestimmter Accessoires und eine Reihe von Informationen, die erlauben, jegliche Funktionen und Bequemlichkeiten zu nutzen.

Nach dem gelungenen Kauf des Geräts, sollte man einige Zeit für das Kennenlernen jedes Teils der Anleitung von Texas Instruments Calculator widmen. Aktuell sind sie genau vorbereitet oder übersetzt, damit sie nicht nur verständlich für die Nutzer sind, aber auch ihre grundliegende Hilfs-Informations-Funktion erfüllen.

Inhaltsverzeichnis der Gebrauchsanleitungen

  • Seite 1

    BA II PLUS™ PROFESSIONAL Calculator[...]

  • Seite 2

    ii Important Information T exas Instruments makes no warranty , either express or implied, including but not limited to any imp lied warranties of merchantability and fitness for a particular purpo se, regarding any programs or book materials and makes such materials avai labl e solely on an “as-is ” basis. In no event shall T exas Inst ruments[...]

  • Seite 3

    T able of Contents T able of Contents iii 1 Overview of Calculator Operations .................................. 1 T urning On the Calculator ............ ........... .............. ............ ........... . 1 T urning Of f the Calc ulator .................. ........... .............. ........... ....... 1 Selecting 2nd Func tions ........... ....[...]

  • Seite 4

    iv T able of Conten ts Deleting Cash Flows.......... ............ .............. ........... .............. ......... 44 Inserting Cash Flows ..................... .............. ........... .............. ......... 44 Computing C ash Flows ...................... ........... .............. ............ ...... 45 Example: Solving for Unequal Cash Fl[...]

  • Seite 5

    Overview of Calculator Operations 1 1 Overview of Calculat or Operations This chapter describes the basic operation of your BA I I PLUS™ PROFESSIONAL calcula tor , inc luding how to: • T urn on and tur n off the calculator • Selec t second fu nctions • Read the displa y and set calculator formats • Clear th e calculat or and corre ct entr[...]

  • Seite 6

    2 Overview of Calculator Operations • The Constant Memory™ feature re tains all worksheet values and settings, includi ng the contents of the 10 memories and all format settings. Automatic Power Down ™ (APD ™ ) Feature T o prolong battery life, the Automa tic Power Down (APD) feature turns off the calculator automatically afte r about five [...]

  • Seite 7

    Overview of Calculator Operations 3 The indicators alon g the top of the display tell you which keys are active and offer information about the status of the calculator . Indicator Meaning 2nd Press a key to select its second function. INV Press a key to select its in verse trigonometric function. HYP Press a key to select its hyperbolic function. [...]

  • Seite 8

    4 Overview of Calculator Operations Setting Calculator Formats 1. T o access format opt ions, press & | . The DEC indicator appears with the select ed number of decimal places. 2. T o change the number of decimal pl aces displayed , key in a value and press ! . 3. T o access anot her calculator f ormat, press # or " once for each format. F[...]

  • Seite 9

    Overview of Calculator Operations 5 Changing the number o f decimal p lac es af fects the display o nly . Except for amortization and depr eciati on result s, the calc ulator does not rou nd internal values. T o round the internal value , use the round functi on. (See “Round ing & o ” on page 10.) Note: All examples in this guideb ook assum[...]

  • Seite 10

    6 Overview of Calculator Operations Resetting the Calculator Because the calculator include s alternative methods that let you clear data selectively , use reset carefully to avoid losing data needlessly . (See “Clearing Calculator Entries and Memo ries” on page 6.)For example, you might reset the calculator befor e usin g it for the firs t tim[...]

  • Seite 11

    Overview of Calculator Operations 7 Correcting Ent ry Err ors Example : Y ou mean to calculat e 3 Q 1234.56 but instead enter 1234.86. The prompted worksheet and reset def ault values & z Calculator format settings and reset default values & | & z • Out of the prompted worksheet and return to standard-calculator mode • All pending o[...]

  • Seite 12

    8 Overview of Calculator Operations Math Operations When you select the chain ( Chn ) calculation method, the calcul ator evaluates mathematical expres sions (for example, 3 + 2 Q 4) in the order that you enter them. Examples of Math Operations These operations require you to press N to complete. These operations do no t require you to press N to c[...]

  • Seite 13

    Overview of Calculator Operations 9 * The random number you gene rate might be different. ** Angles can be computed in degrees or radians. Examples show angles in degre es. (See “Choosi ng the Angle Unit s” on page 5. ) Universal Power ; Press ; to raise the displayed positive number to any power (for example, 2 -5 or 2 (1/3) ). Note: Because t[...]

  • Seite 14

    10 Overview of Calculator Operat ions Parentheses 9 : Use parentheses to control the order in which the calcul ator evaluates a numeric ex pression in division, multiplication , powers, roots, and logarithm calculations. The calculat or includes up to 15 levels of parentheses and up to 8 pendin g operations. Note: Y o u do not have to press : for e[...]

  • Seite 15

    Overview of Calculator Operations 11 For example, work ing in the Bond works heet, you might want to round a computed selling price to the neare st penny (two decimal places) before continuing your calculati on. Note: The calculator stores values to an accuracy of up to 13 digits. Th e decimal fo rmat sett ing rounds the displayed value but not the[...]

  • Seite 16

    12 Overview of Calculator Operat ions Memory Operat ions Clearing Memory Clearing memory before yo u begin a ne w calculation is a critic al step in avoiding errors. • T o clear an individual memory , store a zero value in it. • T o clear all 10 calculat or memori es, press & { & z . Storing to Memory T o store a displayed value to memo[...]

  • Seite 17

    Overview of Calculator Operations 13 • Memory arithmetic changes only th e value in the affected memory and not the displayed value. • Memory arithmet ic does not compl ete any calculat ion in progress . The table lists the availa ble memory arithmetic functions. In each case, the specified memory stores the result. Calculations Using Constants[...]

  • Seite 18

    14 Overview of Calculator Operat ions Keystrokes for Constant Calculations This table shows how to create a constant for various operations. *The letter c denotes the constant value. ** Repeat co nstant calcul ations with n N . Last Answer Feature T o display the last answer computed , press &x . Note: The calc ulator changes the value of the l[...]

  • Seite 19

    Overview of Calculator Operations 15 Using W orksheets: T ools for Financial Solutions Each worksheet is independent of the others: oper ations in a worksheet do not affect varia bles in ot her wo rksheets. When you exit a worksheet or turn off the calculator , the calc ulat or retains all workshee t data. Key in a new calculation 2 ; 2.00 Recall t[...]

  • Seite 20

    16 Overview of Calculator Operat ions Accessing the TVM Worksheet V ariables Statistics worksheet (Chapter 6) Analyzes statistics on one- or two-variable data using four regressi on analysi s option s & k Percent Change/Comp ound Interest worksheet (Chapter 7) Computes percent change, compound interest, and cost- sell mark up & q Interest C[...]

  • Seite 21

    Overview of Calculator Operations 17 Accessing Prompted-W orksheet V ariables After you access a worksheet, press # or " to select variables. For example, press & to access the Amortization worksheet, and then press # or " to select the am ortization variables ( P1 , P2 , BAL , PRN , INT ).(See “TV M and Am ortization W orksh eet [...]

  • Seite 22

    18 Overview of Calculator Operat ions When you display a c ompute-only variable, the COMP UTE indicato r reminds you to press % to compute its value. After you press % , the  indicato r confirms that the di splayed value has been com puted. Automatic-Compute V ariables When you press # or " to display an automati c-compute variable (for exa[...]

  • Seite 23

    Overview of Calculator Operations 19 Display Indicators •T h e  indicator confirms that the ca lculator entered th e displayed value in the worksheet. •T h e  indicator confirms that the calc ulator computed the displayed value. • When a change to the worksheet invalidates either entered or computed values, the  and  indicators di[...]

  • Seite 24

    20 Overview of Calculator Operat ions[...]

  • Seite 25

    T ime-V alue-of-Money and Am ortization Worksheets 21 2 Time-V alue-of-Money and Amortization Wo r k s h e e t s After solvin g a TVM prob lem, you ca n use the Amortization worksheet to generate an amortization schedule. • T o access a TVM variable, press a TVM key ( , , - , . , / , or 0 ). • T o access the prompted Amor tization worksheet, pr[...]

  • Seite 26

    22 T ime-V alue-of-Money and Amortization Worksheets TVM and Amortization W orksheet V ariables Note: This guide book categorizes calcul ator variables by the method of entry . (See “T ypes of W orksheet V ariables” on page 17 .) Using the TVM and Amortization V ariables Because the calculator sto res values assigned to the TVM variables until [...]

  • Seite 27

    T ime-V alue-of-Money and Am ortization Worksheets 23 • T o generate an amorti zation schedule, press & , e nter th e first and last payment number in the range ( P1 and P2 ), and press " or # to compute values for each variable ( BAL , PRN , and INT ). Resetting the TVM and Amortization W orksheet V ariables • T o reset all calculat[...]

  • Seite 28

    24 T ime-V alue-of-Money and Amortization Worksheets Entering V alues for I/Y , P/Y , and C/Y •E n t e r I/Y as the nominal interest rate. The TVM worksheet automatically converts I/Y to a per period rate b ased on t he values of P/Y and C/Y . • Entering a value for P/Y automatically enters the same value for C/Y . (Y ou can chang e C/Y .) Spec[...]

  • Seite 29

    T ime-V alue-of-Money and Am ortization Worksheets 25 • In worksheet modes the calculator displays only the value you enter or recall, although any variable label previously displayed remains displayed. Note: Y ou ca n tell that the displayed value is not assigned to the displayed variab le, because the = indicator is not displayed. T o compute a[...]

  • Seite 30

    26 T ime-V alue-of-Money and Amortization Worksheets 6. Press & . — or — If INT is displayed, press # to display P1 again. 7. T o generate the am ortization schedule , repeat steps 2 through 5 for each range of payments. Generating an Amortizati on Schedule Automatically After entering the initial values for P1 and P2 , you can compute an[...]

  • Seite 31

    T ime-V alue-of-Money and Am ortization Worksheets 27 Answer: The interest rate is 5.5% per year . Examples: Computing Basic Loan Payment s These examples show you how to co mpute basic loan payments on a $75,000 mortgage at 5.5% for 30 years. Note: After you complete the first exam ple, you should not have to re- enter the values for loan amount a[...]

  • Seite 32

    28 T ime-V alue-of-Money and Amortization Worksheets Answer: The quarterly payments are $1,279.82. Examples: Computing V alue in Savings These examples show you how to comp ute the future and present values of a savings acco unt paying 0.5% co mpounded at the end of each year with a 20-year time frame. Computing Future V alue Example: If you open t[...]

  • Seite 33

    T ime-V alue-of-Money and Am ortization Worksheets 29 Example: Computing P res ent V alue in Annuities The Furros Company purchased equipment provid ing an annual savin gs of $20,000 over 10 years. Assuming an annual discount rate of 10%, what is the present value of the savings using an ordinary annuity and an annuity due? Cost Savings for a Pre s[...]

  • Seite 34

    30 T ime-V alue-of-Money and Amortization Worksheets Answer: The present value of the savings is $122,891.34 with an ordinary annuity and $135,180.48 with an annui ty due. Example: Compu ting Perpetual An nuities T o replace bricks in their highway system, the Land of O z has issued perpetual bonds p aying $110 per $1000 bond. What pr ice should yo[...]

  • Seite 35

    T ime-V alue-of-Money and Am ortization Worksheets 31 Perpetual annuity due Because the term (1 + I/Y / 100) - N in the present valu e annuity equations approaches zero as N increases, you can use these equations to solve f or the present value of a perpetual annuity: • Perpetual or dinary annuity • Perpetual annuity due Example: Computing P re[...]

  • Seite 36

    32 T ime-V alue-of-Money and Amortization Worksheets Given a 10% discou nt rate, does th e present value of the cash flows exceed the original cost of $23,000? T o Press Display Set all variables to defaults. & } ! RST 0.00 Enter interest rate per cash flow period. 10 - I/Y= 10.00  Enter 1st cash flow . 5000 S 0 FV= -5,000.00  Enter 1st c[...]

  • Seite 37

    T ime-V alue-of-Money and Am ortization Worksheets 33 Answer: The present value of the cas h fl ows is $23,171.23, which exce eds the machine’ s cost by $1 71.23. This is a profitable investment. Note: Although variable cash flow payments are not equal (unlike annuity payments), you ca n solve for the present value by treating the cash flows as a[...]

  • Seite 38

    34 T ime-V alue-of-Money and Amortization Worksheets The total value of the machine is th e present value of the residual value plus the present value of the lease payments. Answer: Peach Bright should pay yo ur company $40,573.18 for the machine. Example: Computing Oth er Monthly Payments If you finance the purchase of a new de sk and chair for $5[...]

  • Seite 39

    T ime-V alue-of-Money and Am ortization Worksheets 35 Answer: Y our monthl y payment is $26.72. Example: Saving With Monthly Deposits Note: Accoun ts with payment s made at the begin ning of the pe riod are referred to as annuity due accounts. Interest begi ns accumulating earlier and produces sl ightly higher yields. Y ou invest $200 at the beginn[...]

  • Seite 40

    36 T ime-V alue-of-Money and Amortization Worksheets Answer: Depositing $200 at the beginn ing of each month for 20 years results in a future amount of $111,438.31. Example: Computing Amo unt to Borr ow and Down Payment Y ou consider buying a car for $15,10 0. The finance compa ny charges 7.5% APR compounded monthly on a 48-month loan. If you can a[...]

  • Seite 41

    T ime-V alue-of-Money and Am ortization Worksheets 37 Answer: Y ou can borrow $13,441.47 with a down payment of $1,658.53. Example: Computing R egular Deposits for a Specified Futur e Amoun t Y ou plan to op en a savings accou nt and deposit the same am ount of money at the beginnin g of each month. I n 10 years, you want to have $25,000 in the acc[...]

  • Seite 42

    38 T ime-V alue-of-Money and Amortization Worksheets Example: Computin g Payments and Generating an Amortization Schedule This example shows you how to use the TVM and Amortization worksheets to calculate t he monthl y payments on a 30-year loan and generate an amortization schedule fo r the first three years of the loan. Computing Mortgage Payment[...]

  • Seite 43

    T ime-V alue-of-Money and Am ortization Worksheets 39 Example: Compu ting Payment, In ter est, and Loan Balance After a Specifie d Payment A group of sellers considers fina ncing the sale pr ice of a property for $82,000 at 7% annual interest, amortize d over a 30-year term with a balloon paymen t due after five years. They want to know: • Amount[...]

  • Seite 44

    40 T ime-V alue-of-Money and Amortization Worksheets Generating an Amortization Schedule for Interest and Balloon Payment If the s ellers finance d the sale , they w ould re ceive: • Monthly payment: $545.55 for five years • Interest: $27,790.72 over the five years • Balloon payment: $77,187.72 T o Press Display Select Amortization worksheet.[...]

  • Seite 45

    Cash Flow Worksheet 41 3 Cash Flow Wo rksheet Cash Flow Works heet V ariables Use the Cash Flow workshee t to solve problems with unequal cas h flows. T o solve problems with equal cash flows, use the TVM worksheet. • T o access the Cash Fl ow worksheet an d initial cash flow value ( CFo ), press ' . • T o acces s the cash flow amount a nd[...]

  • Seite 46

    42 Cash Flow Worksheet * nn represent s the cash fl ow ( C01 – C32 ) or frequency ( F01 – F32 ) number . ** This guidebook categorize s variables by the method of entry . (See “T ypes of Worksheet V ariables” on page 17.) Resetting V ariables • T o reset CFo , C nn , and F nn to default values, press ' and then &z . • T o reset[...]

  • Seite 47

    Cash Flow Worksheet 43 Uneven and Gr ouped Cash Flo ws Uneven Cash Flows The Cash Flow worksheet analyzes un equal cash flows over equal time periods. Cash-flow values can include both inflows (c ash received) an d outflows (cash paid out). All cash-flow problems start with an initial cash flow labeled CFo . CFo is always a known, entered value. Gr[...]

  • Seite 48

    44 Cash Flow Worksheet 5. T o select the cash-flow fr equency variable ( F01 ), press # . The F01 value appears. 6. T o change F01 , key in a value and press ! . 7. T o select an additional cash-flow variable, press # . The C02 valu e appears. 8. Repeat steps 4 through 7 for all remaini ng cash flow s and frequencies. 9. T o review entries, press #[...]

  • Seite 49

    Cash Flow Worksheet 45 1. Press # or " to select the ca sh flow where you want to insert the new one. For example, to insert a new second cash flow , select C02 . 2. Press & X . 3. Key in the new cash flow and press ! . The new cash flow i s entered at C02 . Computing Cash Flows The calculator solves fo r these cash-flow values: • Net pr[...]

  • Seite 50

    46 Cash Flow Worksheet Computing IRR and MOD 1. Press ) . The IRR variable and current va lu e are displayed (based on the current cash-flow values). 2. T o compute the internal rate of return, press % . The calc ulator displays the IRR value. 3. T o select the reinvestment rate ( RI ), press # . 4. Key in the reinvestment r ate value and press ! .[...]

  • Seite 51

    Cash Flow Worksheet 47 The time line reflects a sequence of cash flows with three sign changes, indi cating that one, two, or three IRR solutions can exist. • When solving comp lex cash-flow proble ms, the calculat or might not find PB , DPB , IRR , and MOD , even if a solution ex ists. In this case, the calculator di splays Error 7 (iteration li[...]

  • Seite 52

    48 Cash Flow Worksheet Entering Cash-Flow Data Editing Cash-F low Data After entering the cash-flow data, you learn that the $4,000 cash-flow value should occur in the sec ond year instead of the sixth. T o edit, delete the $4,000 value for year 6 and insert it for year 2. T o Press D isplay Select Cash Flow worksheet. ' CFo= 0.00 Enter initia[...]

  • Seite 53

    Cash Flow Worksheet 49 Computing NPV , NFV , PB, and DPB Use an interest rate per period ( I ) of 20%. Answers: NPV is $7,26 6.44. NFV is $21,697.47. PB is 2.00. DPB is 2.60. Computing IRR and MOD Answer: IRR is 52.71%. MOD is 35.12%. Example: V alue of a Lease with Uneven Paymen ts A lease with an uneven payment schedule usually accommodates seaso[...]

  • Seite 54

    50 Cash Flow Worksheet If the required earnings ra te is 10 % per 12-month peri od with monthl y compoundin g: • What is the present value of these lease payments? • What even paymen t amount at the beginn ing of each mont h would result in the same present value? Because the cash flows are uneven, use the Cash Flow worksheet to determine the n[...]

  • Seite 55

    Cash Flow Worksheet 51 Enter third grou p of cash flows. # # 3 ! C03= F03= 0.00  3.00  Enter fourth group of cash flows. # 60 00 S ! # 9 ! C04= F04= -6000.00  9.00  Enter fifth group of cash flows. # # 2 ! C05= F05= 0.00  2.00  Enter sixth group of cash flows. # 7000 S ! # 10 ! C06= F06= -7000.00  10.00  Select NPV . ( I= 0.[...]

  • Seite 56

    52 Cash Flow Worksheet[...]

  • Seite 57

    Bond Worksheet 53 4 Bond Wo rksheet Note: Pressing # or " to navigate through th e Bond worksheet before you enter values causes an e rror ( Error 6 ). T o clear the error , press P . The Bond wo rksheet lets you compute bond price, yield to maturity or call, accrued inte rest, and modifi ed duration. Y ou can also use the date functions to pr[...]

  • Seite 58

    54 Bond Worksheet Bond W orksheet V ariables Resetting Bond Worksheet V ariables • T o reset the Bond worksheet vari ables to default values, press & z while in the Bond worksheet. • T o reset all calculator variable s and formats to default values, including th e Bond worksheet vari ables, press &}! . V ariable Key Display V ariable T [...]

  • Seite 59

    Bond Worksheet 55 Entering Dates • Use the following conven tion to key in dates: mm.ddyy or dd.mmyy . After keying in the date, press ! . Note: Y ou can display da tes in ei ther US or Euro pean form at. ( See “Setting Calculator Formats ” on page 4.) • Y ou can ent er dates from Janu ar y 1, 1950 throug h December 31, 2049. • The calcul[...]

  • Seite 60

    56 Bond Worksheet Bond W orksheet T erminology Entering Bond Da ta and Computing Resu lts T o compute values for price ( PRI ), modified duration ( DUR ), or yield ( YLD ) and accrued int erest ( AI ), first enter the four known values for settlement date ( SDT ), coupon rate ( CPN ), redemption date ( RDT ), and T erm Definition Call Date A callab[...]

  • Seite 61

    Bond Worksheet 57 redemption value ( RV ). If necessary , change the day-count method ( ACT or 360 ) and coup on- frequency ( 2/Y or 1/Y ). The Bond worksheet stores all values and settings until you clear the worksheet or change the values and settings. Note: Dates are not changed when you clear a worksheet. Entering Known Bond V alues 1. Press &a[...]

  • Seite 62

    58 Bond Worksheet Computing Modified Duration (DUR) T o compute modified duration, press # until the DUR variable appears. The calculator automatically computes DUR . Example: Computing Bond Price, Acc rued Inter est, and Modified Duration Y ou cons ider buying a semia nnual corpor ate bond maturing on December 31, 2007 and settling on Ju ne 12, 20[...]

  • Seite 63

    Depreciation W orksheet 59 5 Depr eciation W orksheet Depreciation W orksheet V ariables The Depreciation worksheet lets you generate a depreciation schedule us ing yo ur choice of depre ciation methods. • T o access the Depr eciation worksheet, press & p . • T o change depreciation meth ods, press &V un til the desired method appears. [...]

  • Seite 64

    60 Depreciation Worksheet * SLF and DBF are available only if you select the European format for dates or separators in numbers. (See “Setting Calculator Formats ” on page 4.)**Th is guideboo k catego rizes variables by their me thod of entry . (See “T ypes of Worksheet V ariables” on page 17.) Resetting the Depreciati on Worksheet V ariabl[...]

  • Seite 65

    Depreciation W orksheet 61 Entering V alues for DB and DBX If you choose eith er the declining balance ( DB ) or declining balance with crossove r to SL ( DBX ) depreciation method, remember to enter a value representing the percent of declin ing balance fo r the DB or DBX variable. Note: The decl ining balanc e you enter must be a posi tive number[...]

  • Seite 66

    62 Depreciation Worksheet Selecting a Depreciati on Method 1. T o access the Deprecia tion worksheet, press & p . The current depreciation method i s displayed. 2. T o clear the worksheet, press & z . 3. Press & V until you disp lay the depr eciation method you want ( SL , SLF , SYD , DB , DBX , or DBF ). Note: If you select DB or DBX ,[...]

  • Seite 67

    Depreciation W orksheet 63 Answer: For the first year , the deprecia tion a mount is $25 ,132.28, the remaining book value is $974,867. 72, and the remain ing depreci able value is $974,867.72. For the second year , the depreciat ion amount is $31,746.03, the remaining book value is $943,121. 69, and the remain ing depreci able value is $943,121.69[...]

  • Seite 68

    64 Depreciation Worksheet[...]

  • Seite 69

    Statistics Worksheet 65 6 Statistics W orksheet Statistics Works heet V ariables The Statistics worksheet pe rforms analysis on one-and two-variabl e data with four regression analysis models. • T o enter statistical data , press & j . • T o choose a statis tics calculati on method and compute the resul ts, press &k . • T o access sta[...]

  • Seite 70

    66 Statistics Worksheet * nn represents the number of the current X or Y value. ** Not displayed for one-va riable statistics. *** This guidebook categorize s calculat or variables by their method of entry . (See “T ypes of W orksheet V ariables” on page 17 .) Resetting Statistics Worksheet V ariables •T o c l e a r a l l X and Y values as we[...]

  • Seite 71

    Statistics Worksheet 67 • When you enter data for one -variable statistics, X nn represents the value and Y nn specifies the number of occurrence s (frequenc y). • When you enter a value for X nn , the value for Y nn defaults to 1. Analyzing One-V ariable Statistics T o analyze one-variable statistics, s elect 1-V . Only values fo r n , v , Sx [...]

  • Seite 72

    68 Statistics Worksheet • Ln uses ln(X) and Y . • EXP uses X and ln(Y). • PWR uses ln(X) and ln(Y). The calculator determi nes the values for a and b that c reate the line or curve that best fits the data. Correlation Coef ficient The calculator also determines r , the correlation coefficient, which measures the good ness of fit of the equa t[...]

  • Seite 73

    Statistics Worksheet 69 Computing Statistical Results Selecting a Statistics Calculation Method 1. Press & k to select the st atistical calculatio n portion of the Statistics worksheet. 2. The last selected statistics calculation method is displayed ( LIN , Ln , EXP , PWR , or 1-V ). 3. Press & V repeatedly until the statist ics calc ulatio[...]

  • Seite 74

    70 Statistics Worksheet[...]

  • Seite 75

    Other W orksh eets 71 7 Other W orksheets The calculator al so includes these worksh eets: Perc ent Change/C ompound Inter est W orksheet Percent Change/Compound Interest Worksheet V ariables Note: This guide book categorizes variab les by their method of entry . (See “T ypes of Worksheet V ariables” on page 17.) • Percent Change/Compound Int[...]

  • Seite 76

    72 Other Worksheets Resetting the Percent Cha nge/Compound Inter est Worksheet V ariables • T o reset th e Percent Change/Com poun d Interest variables to default values, press & z while in the Percent Change/Compound Interest worksheet. • T o reset default values for all calc ulator varia bles and formats, press & } ! . Entering V alue[...]

  • Seite 77

    Other W orksh eets 73 3. T o enter values for th e known variables, press # or " until the variable you want is displayed, then key in a value, and p ress ! . (Do not enter a va lue for the va riable you wish to solve.) • Percent Change — Enter values for two of these three variables: OLD , NEW , and %CH . Leave #PD set to 1. • Compound [...]

  • Seite 78

    74 Other Worksheets Answer: The annual growth rate is 8.4 5%. Example: Computing Cost-Sell-Markup The original cost of an item is $100; the selling price is $125. Find the markup. Answer: The mark up is 25%. Interest Conversion Wo rksheet Note: The calculator categorizes vari ables by their method of entry . Enter number of years. # # 5 ! #PD= 5.00[...]

  • Seite 79

    Other W orksh eets 75 Comparing the Nominal Interest Rate of Investments Comparing the nominal interest rate (annual percentage rate) of investments is misleading when the investments have the same nominal rate but different numbers of compou nding pe riods per year . T o make a more valid comparison, convert the nominal interest rat e ( NOM ) to t[...]

  • Seite 80

    76 Other Worksheets 6. T o compute a value for the unknow n variable (interest rate), press # or " until NOM or EFF is displayed, and th en press % . The calculator displays the computed value. Example: A bank offers a certificate that pays a nominal interest rate of 15% with quarterly compound ing. What is the annual effective interest rate? [...]

  • Seite 81

    Other W orksh eets 77 Note: The calculator cate gorizes variab les by their method of entry . (See “T ypes of Worksheet V a riables” on page 17.) Resetting the Date W orksheet V ariables • T o reset default values for all calculator variables and formats, including the Date worksheet variables, press & } ! . • T o clear Date worksheet v[...]

  • Seite 82

    78 Other Worksheets 6. T o change the day-count meth od setting, press # until ACT or 360 is displayed. 7. T o compute a value for th e unknown variable, press # or " to display the variable , and then press % . The calculator displays the computed value. Example: Computing Days between Dates A loan made on September 4, 2003 defers the first p[...]

  • Seite 83

    Other W orksh eets 79 Note: This guidebook ca tegorizes c alculat or variables by their method of entry . Gross Pr ofit Margin and Markup The terms margin an d markup often are used inte rchangeab ly , but each has a distinct meaning. • Gross profit margin is the difference betwee n selling price and cost, expressed as a percentage of the selling[...]

  • Seite 84

    80 Other Worksheets Answer: The original cost is $100. Br eakeven W orksheet Note: T o solve for quantity ( Q ), enter a value of zero for profit ( PF T ). Breakeven W orksheet V ariables Note: This guidebook ca tegorizes c alculat or variables by their method of entry . Resetting the Br eakeven W orksheet V ariables • T o reset default values fo[...]

  • Seite 85

    Other W orksh eets 81 Computing Breakeven 1. T o access the Breakeven workshe et, press & r . The FC variable appears. 2. Press # or " to select a known variable, key in the value, and press ! . 3. Repeat step 3 for each of the remaining known variables . 4. T o compute a value for th e un known variable , press # or " until the varia[...]

  • Seite 86

    82 Other Worksheets Memory Worksheet Memory Worksheet V ariables Note: This guidebook ca tegorizes c alculat or variables by their method of entry . (See “T ypes of W orksheet V ariables” on page 17 .) Clearing the Memory Worksheet V ariables T o clear all 10 memories at once , press & z in the Memory worksheet. Using the Memory Worksheet 1[...]

  • Seite 87

    Other W orksh eets 83 • T o view the contents of the memories, press # or " once for each memory . • T o store a value, s elect a memory ( M0 - M9 ), key in a value, and press ! . • Memory arithmetic. (See “Memory Arithmetic” on page 12.) Examples: Using the Memory W orksheet T o Press Displa y Access Memory worksheet & { M0= 0 S[...]

  • Seite 88

    84 Other Worksheets[...]

  • Seite 89

    Appendix — Reference Information 85 A Appendix — Refer ence Information This appendix incl udes supplemental info rmation to help you use your BA II PLUS é and BA II PLUS é PROFESSIONAL calculator: •F o r m u l a s • Error cond itions • Accuracy inf ormation • IRR (internal-rate-of-return) calculations • Algebraic operating system ([...]

  • Seite 90

    86 Appendix — Reference Information I/Y = where: x = i y = P/Y P C/Y G i = 1 + i Q k where: k =0 for end-of-period payments k =1 for beginnin g-of-period payments where: i ƒ 0 N = L ( PV + FV ) P PMT where: i =0 where: i ƒ 0 PMT = L ( PV + FV ) P N where: i =0 where: i ƒ 0 PV = L ( FV + PMT Q N ) where: i =0 100 CY e yx 1 + () ln × () 1 – [[...]

  • Seite 91

    Appendix — Reference Information 87 where: i ƒ 0 FV = L ( PV + PMT Q N ) where: i =0 Amortization If computing bal (), pm t2 = npmt Let bal (0) = RND ( PV ) Iterate from m = 1 to pmt2 then: bal( ) = bal(pmt2) G Prn ( ) = bal ( pmt2 ) N bal ( pmt1 ) G Int ( ) =( pmt2 N pmt1 +1) Q RND ( PMT ) N G Prn ( ) where: RND =round the display to the number[...]

  • Seite 92

    88 Appendix — Reference Information Net present value depends on the v a lues of the initial cash flo w ( CF 0 ), subsequent cash flows ( CF j ), frequency of each cash flow ( n j ), and the specified interest rate ( i ). where: i is the periodic interest rate us ed in the calcul ation of NPV . where: is the frequenc y of the k th cash flow. IRR [...]

  • Seite 93

    Appendix — Reference Information 89 Bonds 1 Price (given yield) with on e coupon period or less to redemption: where: PRI = dollar price pe r $100 par value RV =redemption value of the securit y per $100 par value ( RV = 100 except in those cases where call or put features m ust be considere d) R =annual interest rate (as a decimal; CPN _ 100) M [...]

  • Seite 94

    90 Appendix — Reference Information Price (given yield) with more than one coup on period to rede mption: where: N =number of coupon s payable between settlement date and redemption date (maturity date, ca ll date, put date, etc.). (If this number contai ns a fraction, raise i t to the next whole numbe r; for example, 2.4 = 3) DSC =numb er of day[...]

  • Seite 95

    Appendix — Reference Information 91 where Duration is calculated using one of the following formulas used to calculate M acaulay du ration: • For a bond pric e with one coup on period or less to redemption: • For a bond pric e with more tha n one coupon per iod to redempt ion: Depreciati on RDV = CST N SAL N accumulated depreciation V alues f[...]

  • Seite 96

    92 Appendix — Reference Information Sum-of-the -years’-di gits depr eciation First year: Last year or more: DEP = RDV Declining-balance depreciation where: RBV is for YR - 1 First year: Unless ; then use RDV Q FSTYR If DEP > RDV , use DEP = RDV If computing last year , DEP = RDV Statistics Note: Formulas apply to both x an d y . Standard dev[...]

  • Seite 97

    Appendix — Reference Information 93 Standard devi ation with n - 1 weighting (s x ): Mean: Regressions Formulas apply to all regression models using transformed data. Interest Rate Conversions where: x =.01 Q NOM P C ˆ Y where: x =.01 Q EFF Percent Change 12 ⁄ x 2 x ∑   2 n ------------------- - – ∑ n 1 – ------------------[...]

  • Seite 98

    94 Appendix — Reference Information where: OLD =old value NEW =new va lue %CH =percent change #PD =number of period s Profit Margin Brea keven PFT = P Q N ( FC + VC Q ) where: PFT =profit P =price FC =fixe d cost VC =variable cost Q =quantity Days between Dates With the Date worksheet, you can en ter or compute a date within the range January 1, [...]

  • Seite 99

    Appendix — Reference Information 95 where: M1 =month of fi rst date DT 1 =day of first date Y 1 =year of first da te M 2 =month of second date DT 2 =day of second date Y 2 =year of secon d date MB =base month (January) DB =base day (1) YB =base year (first year after leap year) 30/360 day-count method 3 Note: The method assumes 30 days per month [...]

  • Seite 100

    96 Appendix — Reference Information Error Messages Note: T o clear an error message, press P . Error Possible Causes Error 1 Overflow • A result is ou tside the calcu lator range ( ± 9.9999999999999E99 ). • T ried to divide by zero (can occur internally). • T ried to compute 1/x when x is zero. • Statistics worksheet: a ca lculation in c[...]

  • Seite 101

    Appendix — Reference Information 97 Error 5 No solution exists • TVM worksheet: the c alculator co mputed I/Y when FV , ( N Q PMT ), and PV all have the same sign. (Make sure cash inflows ar e positive and ou tflows are negative .) • TVM, Cash Flow , and Bond worksheets: the LN (logarithm) in put is not > 0 during cal culations. • Cash F[...]

  • Seite 102

    98 Appendix — Reference Information Accuracy Information The calculator stores resu lts internally as 13-digit numbers but displays them rounded to 10 digits or fewer , dependin g on the decimal fo rmat. The internal digits, or guard digits, in crease the calculator’ s accuracy. Additional calculations use the inte rnal value, not the value dis[...]

  • Seite 103

    Appendix — Reference Information 99 Battery Information Replacing the Battery Replace the battery with a new CR2032 lithium battery . Caution: Risk of explosion if replaced by an incorrec t type. Replace only with the same or equivalent type recommended by T exas Instrument s. Dispose of used batteries ac cording to local regulations. Note: The c[...]

  • Seite 104

    100 A ppendix — Refe rence Information • Install battery acco rding to polarit y (+ and - ) diagrams. • Do not place n on-recharg eable b atteries in a ba ttery rech arger . • Properly dis pose of used bat teries immediate ly . • Do not incinerate or dismantle batteries. • Seek Medical Advice immediate ly if a cell or battery has been s[...]

  • Seite 105

    Appendix — Reference Information 101 If you experience di ffic ulties othe r than those listed above, press & } ! to clear the calculator , and th en repeat your calculations. Note: Y ou ca n also perform a hard reset using the reset hole in back of the calculator . T exas Instruments Sup port and Service For general information For technical[...]

  • Seite 106

    102 A ppendix — Refe rence Information T exas Instruments (TI) W arranty Information Customers in the U.S. and Canada Only One-Y ear Limited W arranty for Commercial Electronic Produc t This T exas Instru ments ("TI") el ectronic produc t warranty exte nds only to the origi nal purchaser an d user of the product. W arranty Duration. Thi[...]

  • Seite 107

    Appendix — Reference Information 103 This T exas Instruments electronic product warra nty extends only to the original purchaser and user of the product. W arranty Duration. This T exas Instruments electronic product is warranted to the original purchaser for a perio d of one (1) year from the original purchase date. W arranty Coverage. This T ex[...]

  • Seite 108

    104 A ppendix — Refe rence Information[...]

  • Seite 109

    Index Index 105 Symbols #PD (number of pe riods) 72 , 73 , 74 #PD (numbe r of pe riods, Percent Change/Compoun d Interest worksheet) 72 %CH (percent change) 72 , 73 , 74 ( - (negative) indica tor 3 ( #$ indicator 3 ( 1 (value ente red) indicator 3 ( G X (sum of X) 65 , 67 ( G X² (sum of X² ) 65 , 67 ( G XY (sum of XY products) 65 ( G Y (sum of Y)[...]

  • Seite 110

    106 Index payments 22 , 24 Bond accrued interest (AI) 54 price (PRI) 58 terminology 56 worksheet 53 – 58 Breakeven worksh eet 80 – 81 C C/Y (compoundi ng periods per ye ar) 22 , 24 , 76 Calculation meth od 4 , 5 Call date 56 Cash Flow worksheet 41 – 51 Cash flows computing 45 deleting 42 , 44 editing 48 entering 42 formulas 87 grouped 43 inse[...]

  • Seite 111

    Index 107 DPB (discounted pay back) 41 , 45 DT1 (starting date) 62 DT1, DT2 (date 1 and 2) 59 , 78 DUR (modified duration) 54 E EFF (annual ef fective rate) 75 , 76 END (end-o f-period ) payments 22 , 24 Ending payme nt (P2) 22 , 24 End-of-peri od (END) payments 22 , 24 ENTER indicator 3 Error clearing 96 messages 96 Examples accrued interest 58 am[...]

  • Seite 112

    108 Index bond price ( more than on e coupon period to redemption) 90 bond price (one coupon period or less to redemption) 89 bond yield (more tha n one coupon period to redemption) 90 bond yield (one coupon period or less to redemption) 89 bonds 89 breakeven 94 cash fl ow 87 days between dates 94 depreciation 91 depreciation, d eclining-ba lance 9[...]

  • Seite 113

    Index 109 MOD (modified internal rate of return) 41 , 45 Modified duration (DUR) 54 Modified internal rate of return (MOD) 41 , 45 Mortgages 21 Multiplication 8 N n (number of observat ions) 65 , 67 N (number of periods) 24 N (number of periods, TVM worksheet) 22 Negative (–) indicator 3 Net future value (NFV) 41 , 45 Net present value (NPV) 41 ,[...]

  • Seite 114

    110 Index computing net future value 45 computing net present value 45 computing pay back 45 computing percent chan ge 72 computing pr ofit margin 79 computing statistical results 69 computing X’ 69 computing Y’ 69 constants for various operations 13 converting interest 75 deleting cash flows 44 entering bond data 57 entering data points 68 ent[...]

  • Seite 115

    Index 111 indicator 3 Quit 2 SEL (selling price) 79 Selling price ( SEL) 79 service and support 101 SET (setting) indicator 3 Setting (SET) indicator 3 Settlement date (SDT) 54 , 56 , 57 SL (straight line) 59 , 61 , 62 SLF (French straight line) 59 , 61 , 62 Slope (b) 65 Square 8 Square root 8 Starting date (DT1) 62 Starting month (M0 1) 59 , 61 , [...]

  • Seite 116

    112 Index Y-intercept (a) 65 YLD (yield to red emption) 54 , 57 Ynn (frequency of X value) 65 , 67 YR (year to compute) 59 , 61 , 62[...]