HP (Hewlett-Packard) 17bII manual

hp 17b II+ Fi nancial Calc ulator Owner ’s M anual Edition 2 Part Number F2234-90 020[...]

File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Notice For warranty and regulatory information for this calculator, see the owner’s manual. This manual and any examples contained herein are provided “ as is ” and are subject to change withou t notice. Hewlett-Pa ckard Company makes no warranty o f any kind with regard to th[...]

Welcome to the hp17bII+ 3 File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Welcome to the hp 17bII+ The hp 17bII+ is part of Hewlett-Packar d’s new generation of calculators:  Th e two-line display has s pace for me ss age s, pr om pts, and la bels.  Menu s and mess ages sho w y ou opti ons and guide y ou thr ough pr oblem[...]

4 Contents File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Contents 13 List of Ex ampl es 16 Important Information 1 17 Get ting Started 17 P ow er On and Off; C ontinuou s Memory 17 Adjusti n g t he Di spl ay Co n trast 18 Setting the Language 18 What Y ou S ee in the Display 19 The S h i f t Key ( @ ) 19 Bac kspac ing and Clear[...]

Contents 5 File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 36 Err or Messages 36 Modes 37 Calculator Memo ry ( @M ) 2 38 Arithm etic 38 Th e Ca l c ul a t o r Li n e 38 Doing Calculations 40 Using P arenthes es in Calcu lations 40 T h e P ercent K ey 40 The Mathematical F unctions 41 The P ow er Fu nction (Exponentiati on) 42 The[...]

6 Contents File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 59 C o nv erting bet ween T w o Curr enci es 59 S toring and R ecalling Sets o f Curr enci es 60 Clearing the C urrenc y V a ri ables 5 61 Time V alue of Mo ney 61 T he T VM Menu 64 Cash F low Di agrams and Signs of Nu mbers 66 Using the T VM Menu 67 L oan Calc ulations 7[...]

Contents 7 File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 8 108 Bonds 108 The B O N D Me n u 110 Doing Bond Calc ulations 9 114 Depreciation 114 The D E P RC M en u 116 Doing Deprec iation Calculations 116 DB , S O YD , and SL Methods 118 Th e A C RS Me t h o d 119 P artial- Y ear Deprec iation 10 121 Running T otal an d Statist[...]

8 Contents File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 142 Th e Ti m e M e n u 143 Setting the Time and D ate (SET) 144 Changing the T ime and Date F ormats (S ET) 144 Adju sting the Clock S etting (ADJS T) 145 Appointments (AP PT) 145 V iew ing or Setting an Appoi ntment (AP T1-APT10) 14 7 Ackno wledging an A ppoint ment 148[...]

Contents 9 File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 17 9 How the S olver W orks 180 Halting and Res tar ting the Numer ical S earch 181 Entering Guesse s 13 184 Printing 185 Th e P ri n t e r’ s P owe r So u rc e 185 Double -Space Pr inting 185 Printing the Displa y( P ) 186 Printing Other Inf ormation ( @p ) 186 Prin ti[...]

10 Contents File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 A 22 2 Assistance, Bat teries, Mem or y , and Ser vice 222 Obtaining Help in Operating the C alculator 222 Ans wers to Common Que stions 224 P ow er and Batterie s 224 Low - P owe r I n d ic a t io n s 225 Installing Batteri es 227 Managing Calc ulator Memory 228 Rese t [...]

Contents 11 File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 248 Cash-F low Calculatio ns 215 Bond Calc ulations 250 Deprec iation Calc ulations 25 1 Sum and St atisti cs 25 1 Fo r e c a s t i n g 252 E quations Used in (Cha pter 14) 252 Canadian Mortgages 253 Odd-P eriod C alcu lations 253 Adv ance P ay ments 253 Modif ied Intern[...]

12 Contents File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 273 Reu sing Numbers 27 4 Chain Ca lculations 275 Exer cises F 2 7 6 RPN: Sele cted Examples 283 Error M essage s 289 In dex[...]

List of Example s 13 File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 List of Exam ples The following list groups the examples by categor y. Get ting Started 25 Usi ng Men us 29 Using the S olv er Arithmetic 40 Calculating Simple Inter est 17 8 Unit Con v ersions 190 Simple Inter est at an Ann ual Rate (RPN e x ampl e on page 2 7 [...]

14 List of Example s File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 72 An Indi vidu al Retir ement A ccount 74 Calc ulating a Leas e P ay ment 75 Pre sent V alue of a Leas e with A dvanced P ay ments and Option to Buy 80 Display ing an Amorti z ation S chedule f or a Home Mort gage 82 Printing an Amo rtiz ati on Schedule 17 2 Ca[...]

List of Example s 15 File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Bonds an d Notes 111 Price and Y ield o f a Bond 112 A Bond with a Call F eatur e 113 A Zer o -Coupon Bond 215 Yi eld to Matu rity and Y ield t o Call 217 Price and Y ield of a Discounted Note Depreciation 117 Declining-Balance Depr ec iation 118 AC RS D e d u c[...]

16 Important Information File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Important Informatio n  T a ke the tim e to read chap ter 1. I t g ive s yo u a n ove r vi ew o f ho w t h e calcu lator w orks, and intr oduce s terms and concepts t hat are u sed thr oughout the manual . After r eading cha pter 1, you ’ll be read y to[...]

1: Getting Started 17 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 1 Getting Started Watch for this symbol in the margin. It identifies examples or keystrokes that are shown in ALG mode and must be performed differently in RPN mo de. Appendixes D, E, and F explain how to use your calcu lator in RPN mode. The mode affects only [...]

18 1: Getting Started File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Setting th e Langua ge The calculator can display information in six different languages. The language initially used by the calculator was preset at the fac tory. To change the langu age: 1. Pres s the @ > . 2. Pr ess  to dis pla y the INTL menu , w hich[...]

1: Getting Started 19 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Th e S h if t Key ( @ ) Some keys have a second, shifted function printed in color above the key. The colored shift key accesses these o perations. For example, pressing and rel easing @ , then pre ssing C turns the calculator off. This is written @o . Pressing[...]

20 1: Getting Started File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Tabl e 1-2. Key s for Cl ear ing Key Descr ipti on < Backspace; erases the ch aracter before the cursor. C Clear; clears the calculator line. (When the calculator is off, this key turns the calculator on, but without clearing anything.) @c This clears all in[...]

1: Getting Started 21 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Doing Ar ithmetic The “ v ” in the margin is a reminder that the example key strokes are for ALG mode. This is a brief introduction to doing arithmetic. More information on arithmetic is in chapter 2. Remember that y ou can erase errors by pressing < or [...]

22 1: Getting Started File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 65 +( 12 / 3.5 )=   Use parentheses to impose an order of calculation. K ey ing in Negativ e Numbers ( & ) The & key changes the sign of a number.  T o k ey in a negati ve numbe r , type that nu mber , then pres s & .  T o[...]

1: Getting Started 23 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 () () Menu K eys Menu Labels The top row of keys is related to the labels along the bottom of the display. The labels tell you what the keys do. The six keys are called menu keys ; the labels are called menu labels . The MAIN Me nu The MAIN menu is a set of pri[...]

24 1: Getting Started File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Table 1-3. T he MAIN M e nu Menu Labe l Operations Don e in This Category Covered in: TVM: Time value of money: loans, savings, leasing, amortization. Chapter 5 ICNV: Interest conversion s. Chapter 6 CFLO: Lists of cash flows for internal rate of return and net[...]

1: Getting Started 25 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Choosing Menus and Reading M enu Maps Below is a menu map illustr ating one possible path through three levels of menus: from the MAIN menu to the BUS menu to the MU%C ( markup as a percent of cost ) menu. There are no menu s that branch fr o m t h e MU%C menu [...]

26 1: Getting Started File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 inde x and e xamine the menu maps in appendix C. Displaying t he MU%C me nu : Step 2. T o displa y the MAIN me nu , pr es s @A . This ste p let s y ou start fr om a kno wn locati on on the menu map . Step 3. Pre ss  to dis pla y the BU S menu . Step 4. Pres [...]

1: Getting Started 27 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Calculations Using Menus Using menus to do calculations is ea sy. You don’t have to remember in what order to enter numbers and in what order results come back. Instead, the menus guide yo u, as in the previous exa mple. All the keys you need are together in [...]

28 1: Getting Started File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Many menus in this calculator work like the example above . The rules for using variables are:  To s t o r e a v a l u e , k e y in the number and pr ess the menu ke y . ∗ † Ar ithmetic calc ulations , as w ell as single v alues, can be stor ed.  T o [...]

1: Getting Started 29 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9  I f t h e c u r r e n t m e n u h a s a l i s t ( S U M , C F L O , o r S o l v e r ) , p r e s s i n g @c clear s the values in the lis t . To see what value is currently stored in a variable, press R menu label . Solv ing Y our Own Equations (SOL VE) This[...]

30 1: Getting Started File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 T yping W ords and Char ac ters: th e ALPHAbe tic Menu The ALPHAbetic menu is automatically displayed when you need it to type letters and characters. The ALPH A menu also includes characters not found on the keyboard:  Upper case letters.  Space .  P [...]

1: Getting Started 31 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Keys Ch aracters @A                   *   *     /9=         [...]

32 1: Getting Started File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Table 1- 4. Alphabeti c Editing Operatio n Label or Ke y to Press ALPHA-Ed it Menu Inserts character before the cursor. Any character. Deletes character at the cursor.   Moves the cursor far left, one display-width.  Moves the cu rsor left.  Moves t[...]

1: Getting Started 33 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Calculate the cost of c arpet needed to cover a 9’ by 12’ ro om. The carpet costs $22.50 per sq uare yard. Starting from the MAIN menu (press @A ): Keys: Display: Description:   Displays the SO LVE men u an[...]

34 1: Getting Started File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Contro lling the Display F ormat The DSP menu (press D ) gives you options for formatting numbers. You can pick the nu mber of decimal places to be displayed, and whether to use a comma or a period to “pu nctuate” your numbers. Decimal Places To change the [...]

1: Getting Started 35 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Rounding a Number The @r function rounds the number in the calculator line to the number of displayed decimal places. Su bsequent calculations use the rounded value. Starting with two displayed decimal places: Keys: Display: Description: 5.787 ?[...]

36 1: Getting Started File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Err or M essages Sometimes the calculator cannot do what y ou “ask”, such as when you press the wrong key or forget a numb er for a calculat ion. To help you correct the situation, the cal c ulator beeps and displays a message.  Pre ss C or < to c lea[...]

1: Getting Started 37 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Language. Press @>  to change the language. Calculator M emor y ( @M ) The calculator stores many different types of informatio n in its memory. Each piece of information r equires a certain amount of storage space. * You can monitor the amount of availab[...]

38 2: Arithmetic File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 2 Arithmetic If you prefer RPN to algebraic logic, please read appendix D before you read this chapter. The “ v “ in the margin is a reminder that the example keystrokes are for ALG mode. The Calculator L ine The calculator line is the part of the display where [...]

2: Arithmetic 39 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 In the second cas e, the / key acts like the = key by displaying the result of 750 x 12. Here’s a longer chain calculation. 4 56 - 75 68 18. 5 1.9 × This calculation can be written as: 456 − 75 ÷ 18.5 x 68 ÷ 1.9. Watch what happens in the display as you key i[...]

40 2: Arithmetic File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Note that you must include a * for multiplication; parentheses do not imply multiplication. The P ercent Ke y The % key has two functions: Finding a Percentage. In most cases, % divides a number by 100. The one exception is when a plus or minus sign precedes the nu [...]

2: Arithmetic 41 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Table 2- 1. Shifte d Math Functions Key Descr ipti on @t reciprocal @v square root @w square Keys: Display: Descript ion: 4 @t  Reciprocal of 4. 20 @v  Calculates 20 . + 47.2 *  Calc ulates 4.47 + 47.20. 1.1 @w ?[...]

42 2: Arithmetic File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 The MA TH M enu To display the MATH menu, press @m (the shifted % key). Like the other mathematics functions, thes e functions operate on only the las t number in the display. Table 2- 2. The MATH Menu Labels Menu Labe l Descript ion   Common (base 10) logarit[...]

2: Arithmetic 43 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Sa v ing and Reusin g Numbers Sometimes you might want to include the resu lt of a previous calculation in a new calculation. There are several ways to reuse numbers. The Hist ory Stack of Numbers When you start a new operation, the previous result moves out of the [...]

44 2: Arithmetic File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Pressing @c clears the history stack. Be careful if a menu is active, because then c also erases the data associated with that menu. Keys: Display: Descript ion: 75.55 - 32.63 =   150 / 7 =  42.92 move s out of display. Now, su[...]

2: Arithmetic 45 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 An equivalent keystroke seq uence for this problem would be: 39 + 8 / ( 123 + 17 ) @v = St oring and Reca lling Numbers The s k e y c o p i e s a n u m b e r f r o m t h e c a l c u l a t o r l i n e i n t o a designated storage area, called a storage register . The[...]

46 2: Arithmetic File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 The s and R keys can also be used with v ariables. For example, s  (in the M U%C menu) stores the rightmost number from the display into the variable M%C . R  copies the contents of M%C into the calculator line. If ther e is an expression in the display (such [...]

2: Arithmetic 47 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 You can also do arithmetic with the values stored in variables. For example, 2 s*  (in the MU%C menu ) multiplies the current contents of M%C by 2 and stores the product in M%C . Scientific Notation S c i e n t i f i c n o t a t i o n i s u s e f u l w h e n w o [...]

48 2: Arithmetic File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Range of Numbers The largest positive and negative numbers available on the calculator are ± 9.999999 99999 x 10 499 ; the smallest positive and negative numbers available are ± 1 x 10 –499 .[...]

3: Percentage Calculations in Busi n ess 49 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 3 Percentage Calculations in Business The business percentages (BUS) menu is used to solve four types o f problems. Each type of problem has its own menu. FIN %CH G BUS %T O TL SU M MU %C TIME MU%P SOL V E CUR RX Table 3-1 . The Business P[...]

50 3: Percentage Calculations in Busi ness File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 The calculator retains the values of the BU S variables until you clear them by pressing @c . For example, pressing @c while in the %CHG menu clears OLD , NEW , and %CH . To see what value is currentl y stored in a variable, press R menu la[...]

3: Percentage Calculations in Busi n ess 51 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 90000    Stores 90,0 00 in OLD . 95000   Stor es 95,000 in NEW .    Calculates percent change. W h a t w[...]

52 3: Percentage Calculations in Busi ness File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Mark up as a P ercent of Cost (MU%C) Example. The standard markup on costume jewelry at Balkis’s Bou tique is 60%. The boutique just received a shipment of chokers costing $19.00 each. What is the retail pric e per choker ? Keys: Display:[...]

3: Percentage Calculations in Busi n ess 53 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Sharing V ariables Bet ween Menus If you compare the MU%C menu and the MU%P menus, you’ll see that they have two menu labels in common —  and  . COST COST Shared variab le s %CHG PRIC E PRI C E %T O TL M%C M%P MU %C MU% P The cal[...]

54 4: Currency Exchange Calculation File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 4 Currency Exchange Calculations The CURRX menu does c urrency exchange calculations between two currencies using an exchange rate that you calcu late or store. The CURRX M enu BUS FIN SU M TIME SO L V E CURRX SEL CT US$ EU R R A TE C.S T O C.RCL [...]

4: Currency Exchange Cal c ulation 55 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Table 4-1. T he CURRX Menu Menu Ke y Description curr1 Curre nt currency #1 ;stores or calculates the number of units of this currency . curr2 Cu rrency currency # 2 ;stores or calculates the number of units of this currency .   Stores or [...]

56 4: Currency Exchange Calculation File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Tabl e 4-2. Cur ren cies         United States of Americ a (Dollar s) Austria, Belgium, Germany , Spain, Finlan d, France, Greece, Ireland, Italy, Luxembourg, Netherlands, Portugal, Vatican City (EURO) Canada (Dollar s) Uni[...]

4: Currency Exchange Cal c ulation 57 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Entering a Rate The following two examples illustrate the two wa ys to enter an exchange rate. Example: Calculating an Exchange Rate. You have just flown from Canada to United States, and you need to exchange your Canadian Dollars for U.S Dollar[...]

58 4: Currency Exchange Calculation File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 0.6584   Stores eq uivalent number of US$   Calculates the RATE . Part 2: The following keystr okes show that yo u can reverse the order in which the two currencies are selected. Keys:[...]

4: Currency Exchange Cal c ulation 59 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Con verting Be tween T wo Curr encies Once the currencies are selected and a RATE has been entered, you can convert any number of units of one currency to the other. Example : Converting between Hong Kong an d U.S Dollars. Part 1: Use the exchan[...]

60 4: Currency Exchange Calculation File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Recalling Set s of Currencies. To recall a stored set of currencie s and their exchange rate, press  , followed by the appropriate menu key. The hp 17bII+ automatically returns to the CURRX menu. The equivalency message and menu labels show the[...]

5: Time Value of Money 61 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 5 Time Val ue of Mo ne y The phrase time value of money describes calcu lations based on money earning interest over a period of time. The TVM menu performs compound-interest calculations and ca lculates (and prints) amortization schedules.  In com pound[...]

62 5: Time Value of Money File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 The time value of money (TVM) menu does many compound-interest calculations. Specifically, y ou can u se the TVM menu for a series of cash flows (money received or money paid) when:  T he dollar amount is the s ame for eac h pa y m ent . *  T he pay m[...]

5: Time Value of Money 63 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Table 5- 1. TVM Menu Labels Menu Label D e s c r i p t i o n First Level   Stores (or calculates) the total number of payments or compounding periods. *† (For a 30-year loan with monthly payments, N ＝ 12 x 30 ＝ 360.) @  Shortcut for N: Mu lti[...]

64 5: Time Value of Money File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Table 5- 1. TVM Menu Labels (C ontinue d) Menu Labe l Descript ion Second Le vel (Conti nued)   Sets Begin mo de : payments occur at the beginning of each period. Typical for savings plans and leasing. (The Begin and End modes do not matter if PMT ＝[...]

5: Time Value of Money 65 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 (receipts) as positive . Perform a calculation fr om the point of view of either the lender (investor) or the borrower, but not both! 1234 5 PM T Equ a l p erio d s Equ a l p ayme n t s (FV i s Fut u re Val ue, if a ny; e.g . a ba lloo n pa yme nt) Mo ney r[...]

66 5: Time Value of Money File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Payments occur at either the beginning o f e a c h p e r i o d o r t h e end of each period. End mode is shown in the last two figu r es; Begin mode is shown in the next figure. 123 45 Capit ali zed va lu e of lea se Figure 5-5. Le ase Payments Made at the [...]

5: Time Value of Money 67 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 4. S tore the v alues you kno w . (Enter each number and pre ss its menu key . ) 5. T o calcu late a value , pre ss the appr opri ate menu ke y . You must give ever y variable—except the on e you will c alculate—a value, even if that value is zero. For [...]

68 5: Time Value of Money File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Keys: Display: Description:    D isplays T VM menu. @c     Clears history stack and TVM variables.  @c e       If needed: sets 12 payment periods per year;[...]

5: Time Value of Money 69 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Keys: Display: Description:     Display TV M menu. @c     Clears history stack and TVM variables.  @c e      If needed: sets 12 payment periods per year; End mod[...]

70 5: Time Value of Money File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 12 4 7 4 8 Balloon . 4 12 X 13. 8 12 ; End mode 7 5 ,250 The problem is done in two steps: 1. Calcu late the monthl y pay m ent wit h out the balloon ( FV =0 ) . 2. Calcu late the balloon pay ment after 4 year s. Keys: Display: Description:    Disp[...]

5: Time Value of Money 71 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Step 2. Calculate the balloon payment after 4 years. 894.33 &    Stores rounded PMT value for exact payment amount (no fractional cents). * 4 @   Figures and stores number of payments [...]

72 5: Time Value of Money File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Keys: Display: Description:    Displays TVM menu. @c     Clears history stack and TVM variables.  1  e     Sets one compou nding per./yr. (one interest [...]

5: Time Value of Money 73 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 1 2 359 360 _ 80 _ 2,0 0 0 4 / 1 5 / 2 0 1 8 4 / 1 5 / 2 0 0 3 8.3 2 12 ; End mode X 15 1 2 2 X X Keys: Display: Description:    Displays TVM menu. It is not necessary to clear data because you do not need to set any of the values to zero.  24 ?[...]

74 5: Time Value of Money File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Leasing Calculations Two common leasing calculations ar e 1) finding the lease pay ment necessary to achieve a specified yield, and 2) finding t he present value (capitalized value) of a lease. Le asing calculations typically use “advance payments”. For[...]

5: Time Value of Money 75 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 14   Stores annual interest rate. 13500 &    Stores car’s value in PV . (Money paid out by lessor.) 7500   Stores purchase optio[...]

76 5: Time Value of Money File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Keys: Display: Description:    Displays TVM menu. @c     Clears history stack and TVM variables.  12   e       Sets 12 payment periods per year[...]

5: Time Value of Money 77 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9   Calculates present value of the buy option. Step 4: Add the results of step 2 and 3. +R 0 =  Calculates present, capitalized value of lease. Amortiza tion (AMRT) The AMRT menu (press [...]

78 5: Time Value of Money File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Table 5- 2. AMRT Menu Labels Menu Label Description  Stores the number of payments to be amortized, and calculates an amortization schedule for that many payments. Successive sc hedules start where the last schedule left off. #P can be an integer from 1 [...]

5: Time Value of Money 79 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 2. Stor e the values f or I%YR , PV , and PM T . (Pre ss & to mak e PM T a negativ e number .) If you need to calculate one of the se values , follow the instru ctions under “Using the TV M Menu , ” on page 6 6. Then go on to s tep 3 . 3. Pres s [...]

80 5: Time Value of Money File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Ne xt set of p aymen ts auth oriz e d succ essi ve b. T o calculate a su bsequent s chedule with a diffe rent numb e r of pay ments, k ey in that n umber and pre ss  . c. T o start o v er from pa yment #1 (using the same loan inf ormati o n) , pre ss @c [...]

5: Time Value of Money 81 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 12     Calculates amortization schedule for first 12 payments, but does not display it.   Display s intere st paid in first year.  [...]

82 5: Time Value of Money File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Printing an Amorti zation T abl e (T ABLE) To print an amortization schedule (or “table”) do steps 1 through 5 for displaying an amortization schedule (see page 78). 6. Pres s  . I gn ore t he messa g e     ?[...]

5: Time Value of Money 83 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 6 * 12   The 72nd is the last payment in year 6. 12   Each table entry represents 12 payments (1 year).   Calculates and prints amortization schedule shown below.  [...]

84 6: Interest R ate C onversions File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 6 Interest Rat e Conversio ns The interest conversion (ICNV) menu converts between nominal and effective interest rates. To co mpare investments with different compounding periods, their nominal interest rates are c onverted to effective interest ra[...]

6: Interest Rate Conversions 85 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Th e I C N V M en u FIN TVM NOM% NOM % PER BUS ICNV EFF% EFF% CO NT SU M CFL O P TIME BOND SOL V E DEP R C CURRX The ICNV menu converts between nominal and effective interest rates, using either:  P eriodi c com pounding; f or e x ample , quarterl [...]

86 6: Interest R ate C onversions File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 To convert betwee n a no minal an nual interest r ate a nd an effective annual interest rate that is compounded continuously : 1. Pres s   to get the inter est con ver sions me nu . 2. Pres s  f or “ continu ous ” . 3. T o conv ert to t[...]

6: Interest Rate Conversions 87 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 4   Stores number of compounding periods per year for bank #1. 6.7   Stores nominal annual interest rate for bank #1.   Calculates effective interest rate for ba[...]

88 6: Interest R ate C onversions File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 interest rate in the TVM m enu. (You can also use TVM if PMT = 0, regardless of the compounding periods.) 1. Call up the per iodic inter est-r ate conv ersion menu (    ). 2. Calc ulate the eff ectiv e annual inter est r ate fr om the no mi[...]

6: Interest Rate Conversions 89 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 effective interest rate based on your payment periods. Last, convert the effective rate to the nomin al rate based on the bank’s compounding periods. Example: Balan ce of a S avings Account. Starting today, you make monthly deposits of $25 into an a[...]

90 6: Interest R ate C onversions File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 7 @  25 &  0     Stores 84 deposit periods, $25 per deposit, and no money before the first regular deposit.   Value of account in 7 years. If the interest rate were th[...]

7: Cash Flow Calculations 91 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 7 Cash Flow Calculations The cash flow (CFLO) menu stores and analyzes cash flows (money received or paid ou t) of un e qu a l ( ungr ouped ) amoun ts that occur at regular intervals. * Once you’ve entered the cash flows into a list , you can calculate[...]

92 7: Cash Flow Calculations File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Table 7- 1. CFLO Menu Labels Menu Labe l Descri ption  Accesses the CALC menu to calculate TOTAL , IRR% , NPV , NUS , NFV .   Allo ws you to insert cash flows into a list.   Deletes c ash flows from a list.   Allows you to name a lis[...]

7: Cash Flow Calculations 93 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 $200 $100 $300 $200 $0 $ _ 50 $250 $125 Time per io ds Mon ey r ecei v ed is a po sitiv e numbe r Mon ey paid out is a nega tiv e nu mb er 123456 78 Figure 7- 1. Cash Fl ows (U ngrouped ) The horizontal timeline is divided into equal compounding periods.[...]

94 7: Cash Flow Calculations File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 12345678 9 $ _ 1 0 0 $ _ 1 0 0 $ _ 1 0 0 $ _ 1 0 0 $ _ 1 0 0 $ _ 2 0 0 $ _ 2 0 0 $ _ 2 0 0 Figure 7- 2. Group e d Ca sh Flows After an initial payment of $100, the investo r pays $100 at the end of periods 1 through 5, and $200 at the end o f periods 6 t[...]

7: Cash Flow Calculations 95 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Entering Cash F low s To enter cash flows into a CFLO list: 1. Pres s   . Y ou w il l se e ei th er   if the cur re nt list is em pty , or  or mor e   if the list is not em pt y . This is the bo[...]

96 7: Cash Flow Calculations File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 been automati cally se t to 1, and   is displa y ed on the calc ulator li ne. Do ei t her a or b : a. T o re tain the v alue 1 and go on to the next f low , pre ss I (or ] ). b. To c h a n g e #TIME S , ke y in the number and pr ess I . * Giv[...]

7: Cash Flow Calculations 97 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 The #TIMES prompting is usually on , because it is automatically turned on whenever you clear o r get a cash-flow list. Example: Entering Cash F lows. Enter the following ungrouped cash flows in a list and find the pe rcentage internal rate of return (IR[...]

98 7: Cash Flow Calculations File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 The [ and ] key s move up and down one number at a time. @[ and @] display the beginning and end of the list. Changing or Clear ing a N umber. To change a number after it’s been entered: display the number, key in the new value, and press I . Use this [...]

7: Cash Flow Calculations 99 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 The name can be up to 22 characters l ong and include any character except: ＋ － x ÷ ( ) < > : = space * But only the first three to five characters (depending on letter widths) of the name are used for a m enu label. Avoid names with the same [...]

100 7: Cash F low Calculations File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 To remove just one v alue at a time from a list, use  . Cash-F lo w Calculations: IRR, NPV , NUS, NFV Once you hav e entered a list of cas h flows, you can calcu late the following values in the CALC menu.  Sum ( TOTAL ).  Internal r ate of r [...]

7: Cash Flow Calculations 101 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Table 7- 2. The CALC Menu for CFLO Li sts Menu Labe l Descri ption  Calc ulates the sum of the cash flows.  *  Calculates the internal rate of return —the interest (discount) rate at which the net present v alue of the cash flows equals zero.[...]

102 7: Cash F low Calculations File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Example: Calcu lating IRR an d NPV of an Investment. An investor makes an initial investment of $80,000, and expects returns over the next five years as illustrated below. $ _ 80, 000 12 345 5, 000 4, 500 5,500 4, 000 115, 000 (Ini tial flo w) Calculat[...]

7: Cash Flow Calculations 103 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 80000 & I   Prompts for next cash flow. Calculator line shows last number entered. 5000 I  Stores $5,0 00 for FLOW(1) , prompts for next flow. 4500 I [...]

104 7: Cash F low Calculations File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Example: An Investment with Groupe d Cas h Flows. Yo u are considering an investment that requ ires a cash o utlay of $9,000, with the promise of monthly cash flows as shown. Cal culate IRR% . Also find NPV and NFV at an annual interest rate of 9%. $ _[...]

7: Cash Flow Calculations 105 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 500 I  Stores FLOW(1) and prompts for #TIMES(1) . 3 I  FLOW(1) occurs 3 time s; prompts for next cash flow. 1000 I 4 I   Stores FLOW(2) four times. 0 I I [...]

106 7: Cash F low Calculations File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 5 0 0 5 0 0 5 0 0 5 0 0 1 , 0 0 0 1 , 0 0 0 1 , 0 0 0 1 , 0 0 0 2 , 0 0 0 2 , 0 0 0 2 , 0 0 0 2 , 0 0 0 3 , 0 0 0 3 , 0 0 0 3 , 0 0 0 3 , 0 0 0 Calculate the annual rate of return for this inv estment. (The prompting for #TIMES should be on.) Keys: Dis[...]

7: Cash Flow Calculations 107 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 I  e     Calculates quarterly rate of return. * 4 =  Calculates nominal annual rate of return from quarterly rate. Doing Other Calc ulations w it h CFL O Data If you wo [...]

108 8: Bonds File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 8 Bonds The BOND menu calculates the yield to maturity or price of a bond. It also calculates yield to call on a cou pon date and accr ued interes t . You can specify the:  Calendar basis : 3 0/36 0 or actual/actual (da ys per mo nth/day s per y ear). Munic ipal, s t[...]

8: Bonds 109 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Table 8- 1. BOND Menu Labels Menu Label Description  Displays a menu of bond types: 30/360 or actual/actual, semi-annual or annual.   Stores the settlement (p urchase) date according to the current date format ( MM.DDYYYY or DD. MMYYYY; see page 143).   S[...]

110 8: Bonds File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Doing Bond Calculations Remember that values in the BOND menu are expresse d per $100 face value or as a percentage . A CALL value of 102 means that the bond will be worth $102 for ever y $100 of fac e value whe n called. So me corporate bonds in the United States use t[...]

8: Bonds 111 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 matur it y , the CALL v al ue must equ al 10 0. (See step 3 .) 8. T o calculate a r esult , first pr es s  to acces s the r emaining menu labels . Do either a or b : a. K ey in the y ield and pr es s  . Pr ess  to calculate the pri c e . b. K ey in the pr ice a[...]

112 8: Bonds File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9    6.75   Stores annu al coupon rate.  3 / 8 + 8     Stores desired yield (displayed rounded to two decimal places). *  [...]

8: Bonds 113 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 5.022003     Stores purchase date ( MM .DDYY YY format). 3.032022    Stores maturity date. 6   Stores annual cou pon [...]

114 9: Depreciation File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 9 Depreciation The DEPRC ( depreciation ) menu calculates depreciation values and remaining depreciable values one year at a time. The me thods available are:  Declining balance.  Sum-o f-the- years’ digits .  Straight line.  Accelerated Cost Re cov[...]

9: Depreciation 115 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Table 9- 1. DEPRC Menu Labels Menu Label Description  Stores the depreciable cost basis of the asset at acquisition.   Stores the salva ge value of the asset at the end of its useful life. If there is no salvage value, set SALV =0.   Stores the exp[...]

116 9: Depreciation File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 To see the value currently st ored in a variable, press R menu label . Doing Depreciation Calc ulations DB, S O YD , and SL Method s To calcul ate the depre ciati on for an a sset: * 1. Display the DEPRC menu : pre ss   . 2. Def i ne the char acteris tics o[...]

9: Depreciation 117 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Example: Declining- Balanc e Depreciation. A metalw orking machine, purchased for $10,000, is to be depreciated over 5 years. Its salvage value is estimated at $500. Find the depreciation and remaining depreciable value for each of the first 3 years of the machin[...]

118 9: Depreciation File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 ]  Remaining depreciable value after third year using SL. Th e AC R S M e t h o d To calculate the amount of tax dedu ction under the U.S. Accelerated Cost Recov ery S ystem: 1. Display the DEPRC menu : pre ss   . 2. E[...]

9: Depreciation 119 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 25   Tabular value, year 2.   Deduction in second year. 20   Tabular value, year 3.   Deduction[...]

120 9: Depreciation File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Calendar Ye ar Depre ciation Value 1 (Oct.-De c.) 2 3 4 (Jan.-Sept.) ¼ x year 1 (¾ x year 1) + ( ¼ x year 2) (¾ x year 2) + ( ¼ x year 3) ¾ x year 3 Example: Partia l-Year Depr eciation. A movie cam era bought for $12,000 has a useful life of 10 years with [...]

10: Running Total and Statistics 121 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 10 Runni ng Tot al and Statistics The SUM menu stores and statistically analy zes sets of numbers. As y ou enter the numbers, the calculator displays their ru nning total. Once you’ve entered the numbers into a list , you c an:  Calc ulate t[...]

122 10: Running Total a nd Statistics File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 The SU M Menu FIN CAL C TOT A L MIN BUS INSR ME AN MAX SU M DEL ET MED N SORT F RCST TIME NAME STD E V SOL V E GE T TO T AL RAN GE M ORE MO RE … CURRX The SUM menu creates lists of number s and performs calculations with a SUM list. Table 10 -[...]

10: Running Total and Statistics 123 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 To see the calculator line when this menu is in the display, press I once. (This does n ot affect number entry.) To see this menu when the calculator line is in the display, press e . Creating a S UM List To keep a running total of a list of numb[...]

124 10: Running Total a nd Statistics File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Af ter b riefly showing IT E M( 1 ) , the display sho ws      = number TOTA L is the updated, r unn ing TOTA L of all the n umbers in the list (only one nu mber , so far ) . 4. To e n t e r IT E M([...]

10: Running Total and Statistics 125 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Deleting Nu mber s from a List . Pressing  deletes the current item. Example: Updat ing a Chec kbook. On May 31, y our checking account balance was $267.82. The transac tions for the first 10 days in June are: Date Transaction Amoun t Date Tra[...]

126 10: Running Total a nd Statistics File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 I 55.67 I    e  Ends list and displays SUM menu again. Cop ying a Num ber from a List to the Cal cul ator Line To copy a number from the list i[...]

10: Running Total and Statistics 127 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Starting or GETting A noth er L ist When you press  , the SUM list that appears is the last one used. To start a new list or switch to a different one, the current list mu st be named or cleared. If it is named, then: 1. Pres s  . The GE T [...]

128 10: Running Total a nd Statistics File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Calculations with On e V ariable The CALC menu calculates the following statistical values using one SUM list. Table 10- 2. The CALC M enu for SUM Lis ts Menu Ke y Description   Calculates the sum of the numbers in the list.   Calcul[...]

10: Running Total and Statistics 129 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Month Phone Expense Month Phone Expense 1. May 2. June 3. July $340 $175 $450 4. August 5.September 6. October $780 $245 $625 Calculate the mean, median, and standard deviation of the monthly phone bills. Then display the smallest value in the li[...]

130 10: Running Total a nd Statistics File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 deviation.   Displays rest of CALC menu.   Finds smallest number. Calculations with T wo V ariables (FRCS T) The FRCST menu does the following two-variable calculations using two SUM lists:  Fi t s x [...]

10: Running Total and Statistics 131 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 CAL C TOT A L x-l ist X X 2 Y 2 X Y Y MO DL MIN ME AN y- lis t W. M N MAX MED N CO RR G. S D SORT F RCST (s elec t x and y) STD E V M RAN GE B SIZE MO RE MO RE MO RE MO RE MO RE LIN L OG EXP PWR After pressing  , you must specify two previousl[...]

132 10: Running Total a nd Statistics File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Table 10 -3. FRCS T Menu Labels Menu Labe l Descript ion list name for x - variable list name for y-variable These specify the two lists of data to be compared. Also used for estimations:stor e x and estimate y , or vice -versa.  is the menu [...]

10: Running Total and Statistics 133 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Curve Fitting and F orecasting Curve fitting is a statistical method for finding a relationship between two variables, x and y . Based on this relationship, you can estimate new values o f y based on a given x -value, and vice-versa. Each SUM lis[...]

134 10: Running Total a nd Statistics File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 To do cur ve fitting a nd for ecasting : 1. Enter the data in to t w o S UM lists: one f or the x -v alues and one f or the y -va l u es. M a ke s ure e ach l i st h a s t h e s am e nu m b er o f i t em s so th a t th e items are in matched pai[...]

10: Running Total and Statistics 135 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Number of Minutes of Radio Advertis ing (x-values, MINUTES ) Dollar Sales (y-values, SALES ) Week 1 Week 2 Week 3 Week 4 Week 5 Week 6 2 1 3 5 5 4 $1,400 $ 920 $1,100 $2,265 $2,890 $2,200 BJ’s wants to determine whether there is a linear relati[...]

136 10: Running Total a nd Statistics File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Keys: Display: Descript ion:   Displays current SUM list and SUM menu keys. @c    Clears curre nt list. 2 I 1 I 3 I 5 I 5 I 4 I       [...]

10: Running Total and Statistics 137 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9         *  Selects MI NUTE S as x -list, SALES as y -list, indicates current curve-fitting model, and displays FRCST menu.  ?[...]

138 10: Running Total a nd Statistics File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 W eighted M ean and Grouped S tandard De viation D at a i n o ne li st ( x ) can be weighted or grouped (by frequency) by data in another list ( y ). To find the mean of weighted data and the standard deviation of grouped data: 1. Enter the data[...]

10: Running Total and Statistics 139 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 216 I   e  RENT I   Names this list RENT. (See page 30 to use the ALPHA menu.)    Gets a new, empty list.[...]

140 10: Running Total a nd Statistics File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 sta ti stic s for just o ne li st o f dat a, sp ecif y th e sa me li st fo r bo t h x and y . 2. T o see n , pre ss   . 3. Pres s  again to displa y the summation menu , and pres s the menu la bel for the v alue you w ant. Doing Other C[...]

11: Time, Appointme nts, and Date Arithmetic 141 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 11 Time, Appointments, and Date Arithmetic The calculator contains a clock and calendar in the TIM E menu. You can select a 12-hour or 24-hour clock, and a month-day-year or day- month-year calendar. You can:  R ecor d appo intment[...]

142 11: Time , Appointments, and Date Arith m etic File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 The T I ME Menu FIN BU S CAL C A PT 1 SU M APPT A PT 2 TIME A DJST SOL V E SE T A PT 10 CURRX Table 11 -1. The TIME Menu Labe ls Menu Labe l Descript ion   Displays the CALC menu, for calculating the day of the week and other [...]

11: Time, Appointme nts, and Date Arithmetic 143 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Setting th e Time a n d Dat e (SE T) Table 11 -2. The SET Menu Labels Menu Labe l Descript ion  Sets the date to the displayed number ( M M.DDYYYY or DD.MMYY YY ).  Sets the time to the displayed number ( HH.MM SS ) .  Switch[...]

144 11: Time , Appointments, and Date Arith m etic File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Example: Setting the Date and Time. Set the date and time to April 5, 2003, 4:07 p.m. Keys: Display: Descri ption:   Displays SET menu. 4.052003     time  Sets date. 4.07    ?[...]

11: Time, Appointme nts, and Date Arithmetic 145 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Appointments ( AP PT) You can record up to ten appointments, each with an alarm. An appointment can contain a message. You can also c reate repeating appointments —appointments that recur at regular intervals. APT1 DATE A PPT APT2 T[...]

146 11: Time , Appointments, and Date Arith m etic File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 To set a n appoint ment or v iew its curr ent setting: 1. Pres s  , then  . T h e displa y tells you w hich appointments (number ed 1-10) are set and whi ch ar e past du e (e xpired w ith unac know ledged alarms). Pre ssing ?[...]

11: Time, Appointme nts, and Date Arithmetic 147 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 6. The appointme nt message (optional) : T o s et , c han ge , or j us t v i ew a mess age , pre ss  . T y pe th e message (refer to pa ge 30 for usin g the ALPH A menu). Message s ar e limited to a max imum o f 2 2 char acters . P[...]

148 11: Time , Appointments, and Date Arith m etic File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Unacknowledged Appointments An appointment not acknowledged du ring its alarm becomes past due. The alarm annunciator remains on. T o ac knowledge a past-du e appoint ment : 1. Pres s   . 2. Pre ss the menu k ey f or the past-[...]

11: Time, Appointme nts, and Date Arithmetic 149 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9  appointment #4. @c    Clears appt. #4. 2.15      Stores appt. time and supplies current date.    ?[...]

150 11: Time , Appointments, and Date Arith m etic File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Table 11 -4. CALC Menu Labels for Dat e Ar ithmetic Menu Label Description   Stores or calculates a date. Also displays the day of the week. If you omit the year, the calculator uses the current year.  Stores or calc ulates[...]

11: Time, Appointme nts, and Date Arithmetic 151 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 2. K ey in the s econd date and pr ess  . 3. Pres s  ,  , or  to calculate the n umber of day s using that calendar . Example: Calculatin g the Number of D ays between Two Dates. Find the number of days between April 20, 2[...]

152 11: Time , Appointments, and Date Arith m etic File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 3. Pres s  . This calculation always u ses the actual calendar. Example: Determining a Future Date. On F ebruary 9, 2003, you purchase a 120-day option on a piec e of land. Determine the expiration date. Assume the date format is[...]

12: The Equation Solver 153 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 12 The Equation Solver The Equation Solver (the SOLVE menu ) sto res equations that you enter and creates menus for them. You can then use those menus to do calculations. Enter Solver e quations in algebraic form regardless of the calculation mode (ALG or[...]

154 12: The Equation Solver File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 R e g a r d l e s s o f h o w y o u d o t h i s c a l c u l ation (even if you do it longhand), you are using an equation: Next Fore cast = Old Forec ast + Change in Old Forecast = Old Forecast + (Pro jected Percentage Changes xOld Forecast) or: NEXT = OL[...]

12: The Equation Solver 155 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 +( A %+ B %+ C % )/ 100 * OLD      for the display. I   Enters equation into list.      ?[...]

156 12: The Equation Solver File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 15 &    Stores e ffect of competitor’s new product on sales.   Cal culates new forecast for ne xt month . Suppose yo ur boss wants n ext month’s forecast to be [...]

12: The Equation Solver 157 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Table 12 -1. The SOLVE Me nu Labels Menu Label Description  Verifies the current equation and creates menu labels for it. This is necessary be fore doing any calculations.  Accesses the ALPHA-E dit menu (page 31) so yo u can alter the current equati[...]

158 12: The Equation Solver File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 while the Solver checks that the eq uation is mathematically va lid. (However, the Sol ver has n o way of checking wh ether the eq uation is the right one for your prob lem.) If the equation cannot be solved, the calculator briefly displays : [...]

12: The Equation Solver 159 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 1. Store values in all but o ne of the v ariable s (for ex ample , 2000  , etc. ) . Rem e m be r t ha t you c an ve rif y sto red va lu e s by p ress in g R menu la bel . 2. T o start the calcu lation , pr ess the menu k ey f or the v ari able you w an[...]

160 12: The Equation Solver File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Keys: Display: Descri ption: @A  Restores MA IN menu.      Displays ALPHA menu. ROE = ( ASSET * % ERN - DEBT * % INT - TAX ) / EQTY       [...]

12: The Equation Solver 161 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Editing an Equation (EDI T) If you have an     , the cursor stops over the first character that the Solver cou ld not logically interpret. You can alter the current equation u sing the ALP HA-Edit menu: 1. Pres[...]

162 12: The Equation Solver File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 F inding an Equation in the Solver L ist To display an entry in the S olver list, display the SOLVE menu and move through the list using the [ and ] keys. @[ moves to    and @] moves to   ?[...]

12: The Equation Solver 163 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Make sure that the menu for the variables is in the display. (The equation itself should not be in the display. If it is, press  .) Pressing @c now sets NEXT ; OLD , A% , B% , and C% to zero. Variables are also cleared when their equation is edited. If[...]

164 12: The Equation Solver File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Deleting One Equatio n or Its V ariables (DELET) To delete an equation or its v ariables: 1. Display the equati on. 2. Pres s  in the S OL VE menu . 3. T o delete the equati on, r espond  to both que stions:   [...]

12: The Equation Solver 165 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 ++ −× abc de f Since a Solver equation appears all on one line, you must gro up the numerator and denominator separately by using parentheses , such as   Order of Cal culations. Op erations occur from lef[...]

166 12: The Equation Solver File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 × + +× (5 ) BC A DE could be enter ed as  What Can Appear in an Equation Long Equations. There is no limit on the length of an equation (or the number of variables it has) if there is enough memory to s[...]

12: The Equation Solver 167 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Parentheses. Do not use brackets or braces. Parentheses det ermine order, but do not imply multiplication. For example, the equation P sn ＝ P s (1 － F ) would be typed into the Solver as   . The × sign must be inse[...]

168 12: The Equation Solver File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9         ( 25 )=      This calculates 25! (factorial). 2. Using a T yping Aid Keys: Display: Descri ption: @m  MATH menu labels appear. [...]

12: The Equation Solver 169 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Table 12- 2. Solver Func tions f or Eq uations Function Description ABS( x ) Absolute value of x . ALOG( x ) Common (base 10) antilogarithm; 10 x . CDATE Cu rrent date. CTIME Cu rrent time. DATE( d1:n ) The date n days after (when n is positive) or before[...]

170 12: The Equation Solver File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Table 12- 2. Solver Functions for Equations ( Continued ) Function Description HMS( time ) Converts time in decimal hou rs to HH.MM SS format. HRS( time ) Converts time in HH.MMSS format to decimal hours. IDIV( x : y ) Integer part of the quotient of x/y.[...]

12: The Equation Solver 171 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Table 12- 2. Solver Functions for Equations ( Continued ) Function Description Σ ( cfr : c 1 : c 2 : s : expr ) Summation of the algebraic expression expr for values of the counter ctr , stepping from c 1 to c 2 at increments of s . See page 176. SIZEC ([...]

172 12: The Equation Solver File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Example Using a Solver Fu nction (USPV): Cal culati ons for a Lo an with an Odd First Perio d. Suppose an auto purchase is financed with a $6,000 loan at 13.5% ann ual interest. There are 36 m onthly payments starting in one month and fiv e days. What is [...]

12: The Equation Solver 173 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Keys: Display: Description:  @]    Displays SOLVE menu and bottom of Solver list.     Displays ALPHA menu. (type in equation as shown abov[...]

174 12: The Equation Solver File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Conditional Expres sions with IF Equations can include conditional expressions using the function IF. The syntax of the IF function is: IF  condit ional expr ession  algebraic expr ession  a lge brai c expr essi on  For example, the solver acc[...]

12: The Equation Solver 175 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Examples of Cond itional E quations.   =         Means: If A is gr eater than 7 and is less than or eq ual to 15, then B ＝ 2 x A ÷ 6 ＋ C . Otherwis e, B ?[...]

176 12: The Equation Solver File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Press   , then enter the equation:      To do the calculation: Keys: Display: Descri ption: I   Stores, verifies, and cr[...]

12: The Equation Solver 177 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 calculated and added to the sum. Thus the stored value of X i s u s e d t o calculate X + 2 X 2 + 3 X 3 + 4 X 4 + 5 X 5 + 6 X 6 . The following equation uses a variable as the ending value, 0 as the beginning value, and a step size of 2. ?[...]

178 12: The Equation Solver File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 “Chi-Squared Statistics” in chapter 14 illustrates another u se of the Σ function with SUM lists. Creating Menus for Multipl e Equations (S Func tion) The S ( solving for ) function i s used in conju nction with the IF fu nction to group related equa[...]

12: The Equation Solver 179 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9      Press I to store it, th en  to verify it and create its menu: 1. Conv ert 2 25 pounds to kil ograms . Pre ss 2 2 5    [...]

180 12: The Equation Solver File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 The process of finding a solution iter atively is very co mplex. There are four possible outcomes. Refer to “Solver Calcu lations” i n appendix B for additional descriptions of these ou tcomes.  Case 1 : T h e c a l c u l a t o r d i s p l a y s a [...]

12: The Equation Solver 181 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Entering Guess es Entering your own guesses serve s two purposes. First, it can save time by telling the Solver where to start searching. Se cond, if more than one solution exists, entering g uesses may lead the Solver to a solution in a specified range. [...]

182 12: The Equation Solver File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Profit ＝ (Price × Quantity) － (Variable costs × Quantit y) － Fixed Costs The C-Sharp Piano Corporation sells pianos for $6,000. Variable costs are $4,100; fixed costs per year are $112,000. Ho w many pianos must C-Sharp sell this year in o rder to[...]

12: The Equation Solver 183 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9         Solves for QTY iteratively.[...]

184 13: P rinting File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 13 Printing The calculator can print information us ing the hp 82240 Infrared Printer, which accepts the infrared signal from the printer port. This chapter describes information you can print. Operation of the p rinter is covered in the printer owner’s manual. *[...]

13: Printing 185 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Th e Pri n t e r ’s P ower S ou rc e The speed of the printer depends on wheth er it is using its optional ac adapter. To optimize printing performa nce, set the print i ng speed mode in the calculator appropriately . To view or change the printing speed mode: 1. [...]

186 13: P rinting File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Printing Other Infor mation ( @p ) LIS T STK RE GS PRI N T E R TI ME MSG TRA CE The PRINTER menu provides the ability to print most of the information you’ve stored, including th e contents of variables, l i sts, appointments, the history stack, registers, and th[...]

13: Printing 187 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Printing the Values Stored in Variable s. You can print a listing giv ing the values of all variables whose menu labels are displayed. For example, if the calculator is in the F IN TVM menu, it displays the labels       . Pressing @p  now produ [...]

188 13: P rinting File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Printing Appo intment s. To print all stored appointments, display the  menu (press  then press @p  . This produces a listing like this for each appointment:         [...]

13: Printing 189 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 2. Pres s  to change t he setting. A me ssage infor ms you that trac ing is on or off . If ne ces sary , pr es s  again to display the desir ed message . 3. Pres s e . Example: Tra ce-Print ing an Ar ithmetic Calculat ion. Produce a record of the keystrokes yo[...]

190 14: Additional E xamples File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 14 Additional Examples Loan s Simple Annual Interest See appendix F for RPN keystrokes for this example . Example: Simple Interest at an Annual Rate. Your g ood friend needs a loan to start her latest enterprise and has requested t hat you lend her $450 [...]

14: Additional Examples 191 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 For instructions on entering Solver eq uations, see “Solving Yo ur Own Equations,” on page 2 9. If you know the dates for the course of the loan, rather than the number of days, use this for an actu al-calendar basis:  ?[...]

192 14: Additional E xamples File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 3. Finall y enter cur rent v alues for N (le ss number of pa y m ent peri od s alre ad y pass ed, or 5 × 12 － 4 2) and PV (propo sed pur chase pr ice , $7 9 , 000); then calculate I% YR f or the annual y ield. Step 1: Calculat e PM T . Mak e sur e FV [...]

14: Additional Examples 193 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Step 3: Enter actual, current values for N and PV ; then find new I%YR for discounted mortgag e with balloon. Keys: Display: Description: R  - 42    Stores number of payments remaining in 5-year loan. 79000 &   ?[...]

194 14: Additional E xamples File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 1. Sinc e the pa y ment amount i s not gi ven , calcu late it ( PM T ) firs t. U se the giv en mortgage amount ( PV = $60, 000) and inter est rate ( I %YR = 11 1 / 2 %). 2. T o find the AP R (the new I% YR ) , use the PMT calculated in step 1 and adju st[...]

14: Additional Examples 195 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 calculate the monthly PMT = ( loan x 12 %) ÷ 12 mos.) When calc ulati ng the I%YR , the FV (a balloon payment) is the entire l oan amount, or $1,000,000, while the PV is the loan amount minus the points. Keys: Display: Description:    @c e  ?[...]

196 14: Additional E xamples File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 first payment, and a 30-day month is assumed. * A Solver Equation for Odd-Period Calculations:         ?[...]

14: Additional Examples 197 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9   interest rate. 46   Stores days until first payment. 0   No balloon payment.   Calculates payment. Example: Loan with an Odd[...]

198 14: Additional E xamples File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 2. St o re 0  , 6  , and 200  . 3. Add 200 to the annual inter est r ate, mak e the number negativ e, and stor e it in  . 4. Pres s  to calc ulate the Canadian mortgage f actor . 5. Co ntinue the pr oblem by suppl y ing the other mortgage [...]

14: Additional Examples 199 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 (For the  operator press @u .) PV = loan amou nt, or prese nt value . PMT = monthly payment amou nt. I%YR = annual (Canadian) interest rate as a percent. N = total number of payment periods for the life of the loan. FV = remaining balance, or fu ture v[...]

200 14: Additional E xamples File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 I%YR = the annual interest rate as a percent. N = the total number of payments. #ADV = the number of advance payments. The following example ass umes that you have entered t he equation ADV, above, into the Solver. For instructions on entering Solver equ[...]

14: Additional Examples 201 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 1. Because the com pounding peri ods and the w ithdra wal periods ar e not coinc ident , y ou mus t firs t conv er t the nominal in tere st rate to one in terms o f the w ithdra wal per iods. Y ou can do this u sing the ICNV menu , as e xplained on page 8[...]

202 14: Additional E xamples File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 <  Clears message to show NOM% value still in calculator line. s   Stores adjusted nominal interest rate in I%YR .  4   e       Sets 4 pa[...]

14: Additional Examples 203 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Suppose you want to start saving now to accommodate a fu ture series of cash outflows. An example of this is saving money for college. To determine how much you need to save each period, you must kno w when you’ll need the money, how much you’ll need,[...]

204 14: Additional E xamples File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 0 $0 $0 12 $0 $0 $0 144 $0 $0 15 6 168 180 $0 $0 $0 $ 1 5 , 0 0 0 $ 1 5 , 0 0 0 $ 1 5 , 0 0 0 $ 1 5 , 0 0 0 Figure 14-1 . Flow of With drawals 13 2 17 8 17 9 180 0 9. 0 0 Figure 14-2. Flo w of Deposits Keys: Display: Descri ption:    Displays cu[...]

14: Additional Examples 205 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Step 1: Set up a CFLO list. 0 I  Sets initial cash flow, FLOW(0) , to zero. 0 I  Stores zero in FLOW(1) and prompts for the number of times it occurs. 12 * 12 - 1 I  ?[...]

206 14: Additional E xamples File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Step 2: Calculate NUS for the monthly deposit. Keys: Display: Descri ption: 9 / 12    Figures the periodic (monthly) interest rate and stores it in I% .   A mount of monthly deposit needed[...]

14: Additional Examples 207 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Example: Tax-Free Account. Consider opening an IRA account with a dividend rate of 8.175%. 1) If yo u invest $2,000 at t he beginning of each year for 35 years, how much wil l you have a t retiremen t ? 2) How much will you have paid into the IRA ? 3) How[...]

208 14: Additional E xamples File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 * 15 % =  Taxes at 15% of interest. & + R  =   Subtracts taxes from total FV to calculate after-tax FV .   Stores after-tax future value[...]

14: Additional Examples 209 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Keys: Display: Descri ption:    Displays TVM menu.  1   e      Sets 1 payment per year and Begin mode. 35   Stores yea rs unt il retirement. 8.175 - 28 %  ?[...]

210 14: Additional E xamples File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 a liquid account. The f i gure generally us ed is a short-ter m security (T-bill) or bank passbook rate. Positive cash flows are r einvested at a reinvestment rate that reflects the return on an investment of comparable risk. An average return rate on re[...]

14: Additional Examples 211 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 or     new one. 180000 & I   Stores initial cash flow, FLOW(0) . 0 I  Stores FLOW(1) as zero since the flow amount is positive. 5 I ?[...]

212 14: Additional E xamples File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 5 I  5 times. 0 I 9 I   Stores zero for FLOW(3) , 9 times. 200000 I I   Stores FLOW(4) , 1 time. e      [...]

14: Additional Examples 213 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Price o f an Insuran ce P olicy The price of an insurance policy, other than term life insurance, is rarely apparent at first glance. The price should include not only the premium payments, but also the interest that could have been ea rned on the cash va[...]

214 14: Additional E xamples File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Example: Insu rance Poli cy. You are eval uating yo ur $50,000 insurance policy. The premium of $1,010 is due at the beginning of the year, and a dividend of $165 is receiv ed at the end of the policy year. The cash value of the policy is $3, 302 at the [...]

14: Additional Examples 215 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 R e f e r e n c e : J o s e p h M . B e l t h , Life Insuranc e—A Consumer’s Handbook , Indiana University Press, 1973, p. 234. Bonds Example: Yield to Maturit y and Yield to Call. On Marc h 16, 2003 you consider the purchase o f a $1,000 bond that wa[...]

216 14: Additional E xamples File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Second, calc ulate the yield to call: Keys: Display: Description:   Returns to first BOND menu. 1.012006     Changes maturity date to the call date. 110  ?[...]

14: Additional Examples 217 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 The following example assumes th at you have entered the NOTE equations into the Solver. F o r instruct ions on entering Solver equations, see “Solv ing Your Own Equations,” on page 30 . Example:Price and Yield of a Discou nted Note. What are the pric[...]

218 14: Additional E xamples File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 A Solver Equation for Mov ing Averages:        name     N = the number of values averaged[...]

14: Additional Examples 219 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 4040 I 3200 I    e  VOL I   Names the list VOL. e  (use ] and [ if necessary)  Displays the MAVG equation. M ake sure name is VOL. ?[...]

220 14: Additional E xamples File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 In other words, it tests wh ether discrepancies betwee n the observed frequencies ( O i ) and the ex pected frequencies ( E i ) are significant, or whether they might reasonably resu lt from chance. The equ ation is: 2 2 1 () n ii i i OE E χ = − = ∑[...]

14: Additional Examples 221 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Number 123456 Frequency Observed 25 17 15 23 24 16 Keystroke: Display: Description:    Displays SUM menu and current list. @c  or      Clears current lis t or g ets a new one. 25 I 17 I 15 I 23 I 24 I [...]

222 A: Assistance, Batteries, Memory , and Service File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 A Assistance, Batteries, Memory, and Service Obtaining Help in Oper ating t he Calculator Hewlett-Packard is committed to support ing user s of HP calc ulator s. You can obtain answers to your questions about using the calculator fr[...]

A: Assistance , Batteries, Memory, and Service 223 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Q: How do I change the number of decimal places the calculator displays ? A: The procedure is described in “Dec imal Places” on page 34. Q: How do I clear all or por tions of memory ? A: C clears the calc ulator line. @c clears [...]

224 A: Assistance, Batteries, Memory , and Service File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 A: Refer to “Managing Calculator Memory” on page 227 for instructions on how to reclai m memory for your use. Q: The calculator is operating slowly, and the annunciator is blinking. Why ? A: The calculator is trace printing. Pre[...]

A: Assistance , Batteries, Memory, and Service 225 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 due to a borderline low-battery condit ion. The calculator can detect that there is insufficient power for printing before the battery annunciator comes on. If yo u con tinue to us e th e cal cula tor after the battery annunciator c[...]

226 A: Assistance, Batteries, Memory , and Service File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 4. Never remo ve two old bat teries at the same time, in case memor y lost . Re mov e one o f the tw o bat ter ies once . Insert a ne w battery , making sur e that the positiv e sign (+) is fac ing outw ard . W arn ing Do not mutila[...]

A: Assistance , Batteries, Memory, and Service 227 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 M anaging Calculator Memor y The calculator has approximately 30,740 units (or “bytes”) of user memory available. (This is s eparate from the system memory that stores al l the un erasable infor matio n with which the c alculato[...]

228 A: Assistance, Batteries, Memory , and Service File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Re settin g the Calcul ator If the calculator doesn’t respond to keystro kes or is be ha ving un usua lly, attempt to reset it. Resetting the calculator halts the cu rrent calculation, clears the calculator line, and display s the[...]

A: Assistance , Batteries, Memory, and Service 229 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Erasing C ontinuous M emory Erasing Continuous Memory is a way of freeing a large amount of memory so that you can use it for ot her things. In addition, the calculator is set to certain “default” settings.  Clears the calc u[...]

230 A: Assistance, Batteries, Memory , and Service File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Clock Accur ac y The clock is regulated by a quartz cr ystal accurate to within 1.5 minutes per month under normal co nditions. The accuracy of th e clock crystal is affected by temperature, physical shock, hu midity, and aging. Opt[...]

A: Assistance , Batteries, Memory, and Service 231 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9  If the calcul ator responds to ke ystrok es but you suspect t hat it i s malfunctioning: 1. Do the s elf- test (de scr ibed be low). If the calc ulator fails th e self test , it r equ ir es s ervice . 2. I f th e cal culator p a[...]

232 A: Assistance, Batteries, Memory , and Service File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Confir ming Calculator Oper ation: Self- T est If the display can be turned on, but it appears that the calculator is not operating properly, you can do a diagno stic self-test. The self-te st runs con tinuo usly, re peati ng un til[...]

A: Assistance , Batteries, Memory, and Service 233 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Wa r r a n t y hp 17bII+ Financial Calculator; Warranty period: 12 months 1. HP warrants to you, the end-us er customer, that HP hardware, accessories and supplies will be free from defects in materials and workmanship after the dat[...]

234 A: Assistance, Batteries, Memory , and Service File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 exclusion might not apply to you. This warranty gives you specific legal rights and you might also hav e other rights that vary from country to country, st ate to state, or province to province. 7. TO THE EXTEN T ALLOWE D BY LOC AL [...]

A: Assistance , Batteries, Memory, and Service 235 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Service Europe Country : Telephone numbers Austria +43-1-3602 771203 Belgium +32-2-7126 219 Denmark +45-8-2332 844 Eastern Euro pe countries +420-5- 414225 23 Finland +35-896400 09 France +33-1-4993 9006 Germany +49-69- 953071 03 Gr[...]

236 A: Assistance, Batteries, Memory , and Service File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Mexico Mx C ity 5258- 9922; ROTC 01-80 0-472-668 4 Venezuela 0800-4746-8368 Chile 800-360 999 Columbia 9-80 0-114726 Peru 0-800-1011 1 Central America & Caribbean 1-80 0-711-288 4 Guatemala 1-800-999- 5105 Puerto Rico 1-877-232-[...]

A: Assistance , Batteries, Memory, and Service 237 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Regulat ory inform ation This section contains information that shows how the hp 17bII+ Financial calculator compl ies with regulations in certain regions. Any modifications to the calculat or not expressly approved by Hewlett-Packa[...]

238 B: More About Calculations File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 B More About Calculations IRR% Calc ulations The calculator determines IRR% for a set of ca sh flows using mathematical formulas that “search” for the answer. The process finds a solution by estimating an answer an d then using that estimate to do [...]

B: More About Calcul ation s 239 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 T his is the onl y ans w er .  Case 4: Th e c al cula t or di spl ays th e m essa g e:          The calc ulation is v ery comple x[...]

240 B: More About Calculations File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 may be additional positive or negative an swers, or no true solution at all. You can continue searching for other solutions by halting the calculation and entering a different guess. One way to obtain a goo d guess for IRR% is to calculate NPV for vari[...]

B: More About Calcul ation s 241 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 For certain equations, the unknown can be isolated, but an answer cannot be calculated with the val ues stored. Then the c alculator displays:     For example, if you enter an equation: AREA ＝ L x W a[...]

242 B: More About Calculations File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Iter ative Solutions If the Solver is not able t o isolate the unknown variable, it cannot provide a direct solution. In these ca ses, the Solver sea rches iteratively for a solution. * In its iterative search for a solution, the Solver looks for a val[...]

B: More About Calcul ation s 243 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 The iterative search for a solution sometimes takes several minutes. (You can halt the search at any time by pressing any key ex cept @ ) There are four possible outcomes:  Case 1: T he calcu lator displ a y s an answ er . T his is very lik ely th[...]

244 B: More About Calculations File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 re start the sear ch .  Case 2: The calculator dis p la y s the values of LEFT and RIGH T , whi ch are u nequal . T o see the calculator’s r esult , pr ess < or C . If LEFT and RI GHT are r elativ ely c lose to one another in v alue, the result[...]

B: More About Calcul ation s 245 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Case 2 a: have op pos ite sign s. The t wo estim ates a re "neighbors". Case 2 b: have op po si te sign s. The t wo estim ates a re far ap a r t. Case 2 c: h ave th e sam e sign..  Case 3: T he calculator d isplay s:  ?[...]

246 B: More About Calculations File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 enter ing different e stimates . T he closer y ou can estimate the answ er , the more lik ely that the S olv er w ill find a s olution .  Case 4: T he calcu lator d ispla ys:       The S olver is u nab[...]

B: More About Calcul ation s 247 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 % 1 1 100 (% : ) % 100 n i USFV i n i    　　 ＋　 －　 ＝ P er centag e Calculations in Business (BU S)  ×    ×    ×    ×   － ＝ ＝ － ＝ － [...]

248 B: More About Calculations File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 INT ’ ＝ BA L x i ( INT ’ is rou nded to the c urrent display setting; INT ’ ＝ 0 for per iod 0 in Begin mode) INT ＝ INT ’ (with sign of PM T ) PRI N ＝ PM T + INT ’ PRI N ＝ PM T + INT ’ BA L new ＝ BA L old + PR I N ∑ INT new ＝[...]

B: More About Calcul ation s 249 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 × × ∑ ∑ = =0 ＝＝ ＝ ＝ 1 ( % : ) (% : ) ( ) k j j k jj j NFV NPV SP FV i N wher e N n NPV NUS USPV i N TOTAL n CF Bond Calculations Reference: Ly nch, John J., Jr. and Jan H. Mayle, S tandard Securities Calculation Methods, Securities Indu[...]

250 B: More About Calculations File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 −+ −+       +         −×      +     ∑ = ＝ ＋ 1 1 1 1 % % 1 DSC N E N DSC K K E CALL PRICE Y M CPN AC P[...]

B: More About Calcul ation s 251 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 For the last year of depreciation, DB equals the remaining depreciable value for the prior year. Sum and Statistics n ＝ number of items in the list. x’ ＝ an element of the sorted list. 1 2 1 for odd n, where 2 ( ) fo r ev en n , wher e 22 ( ) 1[...]

252 B: More About Calculations File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 ΣΣ == =Σ − =Σ − =Σ − − 22 Let: 2 ( ) 2 ( ) ( ) ( ) Then : ii ii ii XY XY nn SX X X SX Y Y SXY X X Y Y = 2 SXY M SX B = b for LIN and LOG mode ls, and B = e b for EXP and PWR mo dels, where bY M X =− CORR 2 2 SXY SX SY = × Equations Used[...]

B: More About Calcul ation s 253 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Odd-P eriod Ca lculations − −  +× =    −+ −+ × × × − +   1 30 1 ( 1 ) (1 ) (1 ) N N DAYS PV i i iS P M T F V i i Where: PV = loan amount i = periodic interest rate as a de cimal DAYS = actual number o[...]

254 C: Menu Maps File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 C Menu Map s The following maps show how to disp lay each of the menus. There is a map for each menu label in the MAIN menu and for each menu fou nd on the keyboard. The menu labels for variables are enclo sed in boxes to illustrate how they are used: V ariable used[...]

C: Menu Maps 255 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 CURR1 C. RCL CURRX CURR2 RA TE C. ST O SEL CT Currencies Figure C-2. CU RRX Menu[...]

256 C: Menu Maps File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 FIN TVM I CN V CF L O NOM% EFF% P N O M % EFF% CAL C INS R DELE T NAME GET ＊ NEW Na m es of Lists TOTA L IRR% I% NPV NUS NFV NI % Y R P VP M T F V O T H E R P/ YR BE G END AMR T #P INT P RIN BAL NEXT T AB LE FIRS T LAST INC R GO Figure C-3. FIN M e nu[...]

C: Menu Maps 257 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 FIN BOND D EPRC BAS IS S A L V L I F E A CRS MORE YR # DB S O Y D SL M ORE TYP E SE TT MA T MO RE YLD% PR IC E 360 A /A SEMI A NN Figure C-3 (conti nued). FIN Menu[...]

258 C: Menu Maps File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 SU M CAL C T O T AL Names of lists TOT A L M E A N M E D N RAN G MO RE SORT F RCST MO R E INSR D ELET NAME G ET A LPHA-E dit menu* ALPHA men u * MIN MA X (S elec t x and y) MO RE x-l ist y-lis t CO R R M B MO RE MO DL W .MN G .S D SI ZE LIN L OG EXP PWR MO RE ** Fig[...]

C: Menu Maps 259 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 TIM E CAL C APPT SE T APT1 A P T2 ...M OR E ... TI M E M/D 12 /2 4 HELP MIN A/P M MS G R PT HELP A /P M DA T E 1 DA YS 360 D 365 D Figure C-5. TIME Menu * * For the complete menu, see pages 30-31.[...]

260 C: Menu Maps File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 * A LP HA-Edi t menu * ALPHA menu * CAL C ED IT NE W SO L V E Figure C-6. SOLVE Menu FIX A LL . , DI SP LO G MA TH LN EXP N! PI MO DES BEEP P RNT DBL AL G RPN LIS T PRI NT ER ST K REG S TIME MSG TRA CE INTL Figure C-7. DSP, MATH, MODES, and PRI NTER Menus * For the [...]

D: RPN: Summary 261 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 D RPN: Su mmary About RPN The RPN appendixes (D, E, and F) ar e especially for those of you who want to use or learn RPN —Hewlett-Packard’s original Reverse Polish Notation for operating calc ulators. This calculator can u se either RPN or algebraic logic for[...]

262 D: RPN: Summary File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 v All other operations － including the Solver － work the same in RPN and ALG modes . (The Solve r uses algebraic log ic only.) For more information about how RP N works, see appendix E, “RPN: The Stack.” For RPN key strokes of selec ted examples from chap[...]

D: RPN: Summary 263 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Wher e the RPN F unctions Are Function Name Definition Key to Use ENTER Enters and separates one number from the next. = LASTX Recalls last number in X-register. @L R ↓ Rolls down stack contents. ~ ( same as ( ) R ↑ Rolls up stack contents. [ (except in lists[...]

264 D: RPN: Summary File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Using INPUT for ENTER an d ▼ for R ↓ . Except in CFLO and SUM lists , the I key also performs the E function and the ] key also performs the ~ function.  In lists: I st ores nu mb ers. Use = to enter number s into the stac k during ar ithmetic calculati on[...]

D: RPN: Summary 265 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 To select RPN mode, press @>  . To Calculate: Pre ss: Display: 12 + 3 12 E 3 +  12 – 3 12 E 3 -  12 x 3 12 E 3 *  12 ÷ 3 12 E 3 /  12 2 12 @w  12 12 @v [...]

266 D: RPN: Summary File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 RP N Mode ALG Mode 27% of 200 200 E 27 % 200 * 27 %= 200 less 27% 200 E 27 %- 200 - 27 %= Calcul ations with S T O and RCL The store ( s ) and recall ( R ) operations work identically in ALG and RPN modes (see “Storing and Recalling Numbers” and “Doing Arit[...]

D: RPN: Summary 267 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 The cube root example and the perc entage addition example (prev ious topics) are two simple examples of chain calculations. For another example, calculate 7 x (12 + 3) Start the calculation inside the par entheses by finding 12 + 3. Notice that you don’t need [...]

268 E: RPN: The Stack File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 E RPN: T he St ack This appendix explains ho w calculat ions take place in the automatic memory stack and how this method mi nimizes keystroke s in complicated calculations. What the Stack Is Automatic storage of intermediate results is the reason that RPN mode[...]

E: RPN: The Stack 269 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Revie wing th e Stac k (Roll Down) The ~ ( roll down ) function (on the ( key) lets yo u review the entire contents of the stack by “rolling” the contents downward , one register at a time. While in RPN mode you don’t need to press the shift key for ~ . T[...]

270 E: RPN: The Stack File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 The x function is used primarily to swap the order of numbers in a calculation. For example, an easy way to calculate 9 ÷ (13x8) is to press 13 E 8 * 9 x/ . Arithmetic － How the S tack Does It The contents of the stack move up and down automatically as new n[...]

E: RPN: The Stack 271 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 How ENTER W o rks You know that E separates two numbers keyed in one after the other. In terms of the st ack, how does it do this ? S uppose the stack is filled with a , b , c , and d . Now enter and add two new numbers: 5 ＋ 6 ： a (lost) b (lost) T a b c c [...]

272 E: RPN: The Stack File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 3. C al cula te fut ure sa les by pressi ng * fo r e ach o f t h e n ext 3 yea rs. 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 E E E 2 84 84 * 168 * 336 * 672 Sales for the next 3 years are pr oj ected to be $168, 000; $3 36,000; and $672,000. Cl earing Numbers Clearing On[...]

E: RPN: The Stack 273 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 T a Z b Y c X d @c 0.00 Because of the automatic movement of the stack, it is not necessary to clear the stack before starting a calculation. Note that if an application menu is currently displayed, pressing @c also clears the application’s variables. Th e L [...]

274 E: RPN: The Stack File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Keys: Display: Descript ion: 96.74 E  52.39 +  Intermediate result. @L  Retrieves the number before the + operation, saved in LAST X. /  Final result. Chain Calculations The automatic lifti[...]

E: RPN: The Stack 275 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Exer cises Here are some extra problems that yo u can do to practice u sing RPN. Calculate: (14 + 12) x (18 – 12) ÷ (9 – 7) ＝ 78.00 A Solutio n: 14 E 12 + 18 E 12 -* 9 E 7 -/ Calculate: 23 2 – (13 x 9) + 1 / 7 ＝ 412.1 4 A Solutio n: 23 @w 13 E 9 *- 7[...]

276 F: RPN: Selected Example s File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 F RPN: Selected Exampl es The following examples selected from chapter 14 (“Additional Examples”) have been converted to RPN keystrokes. These example s illustrate how to convert algebrai c to RPN keystroke s in less common situations: with % , wit[...]

F: RPN: Selected Exampl es 277 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 adju st the mortgage amount to r eflec t the po ints paid ( PV = $60, 000 － 2%). All other v alues r emain the same (term is 3 0 years; no fu ture va l u e ) . Keys: Display: Descri ption:    @c e      [...]

278 F: RPN: Selected Example s File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Keys: Display: Descri ption:    @c e        If necessary, sets 12 payments per year and End mode. 10 @   Stores total number of payments. 1000000 E 12 %  ?[...]

F: RPN: Selected Exampl es 279 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Keys: Display: Descri ption:    Displays current cash-flow list and CFLO menu k eys. @c  or       Clears current list or g ets a new one. Step 1: Set up a C FLO list. Keys: Display: Description: [...]

280 F: RPN: Selected Example s File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 0 I 11 I  Stores cash flows of zero for the next 11 months. 15000 II  Stores third withdrawal, for junior year. 0 I 11 I  Stores cash flows of zero for the next 1[...]

F: RPN: Selected Exampl es 281 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 after-tax future value of the account ? Assu me only the interest will be taxed (the principal was taxed before deposit). 5) What is the purchasing power of that amount, in today’s dollars, assu ming an 8% annual inflation rate ? Keys: Display: Descr[...]

282 F: RPN: Selected Example s File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 8  0     Calculates present-val ue purchasing power of the above after-tax FV at 8% inflation rate. Example: Taxable Re tirement Ac count. If you i nvest $ 3,000 each year for 35 years, with dividen[...]

Error Messages 283 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Error Messages The calculator beeps and displays an error message under certain circumstance s － for example, when you attempt an operation that is not allowed. The calculator distinguishes between math errors th at occur on the calculator line and other types o[...]

284 Error Messages File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Attempted to take the base 10 or natural log of a negative number or zero. This can happen during curve-fi tting calcu lations if you attempt to calculate:  A logarithmi c f orecasting model w ith a negati ve or z er o x -v alue .  An e xponential model w it[...]

Error Messages 285 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 The numbers stored into built-in va riables caused a div ision by zero in the ca lcul ation . You must ch ange one or more stored values. (Refer to the equations in appendix B to see which variables appear in the divisor.)    ?[...]

286 Error Messages File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9  T he number enter ed cannot be interpr eted as a pr oper date . Check its for mat (page 14 3) .  Attempted to set a date outside the r ange 1/ 1/2000 through 12/31/209 9 , or attempted date arithmet ic outside the r ange 10 / 15 / 1 582 t h ro ug h 1 2/ 3 1[...]

Error Messages 287 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9      The ca lcula tor i s unable to calcula te I%YR . Check the values stored in PV , PMT , and FV . Make sure the signs of the numbers ar e c orrect. If the values of PV , PMT, and FV a re correct, the calcu l[...]

288 Error Messages File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 No solution was fou nd for a Solver equation using the cu rrent values stored in its variables. Refer to page 246 in appendix B.   A warning － not an error － that the magnitude of a result is too small fo r the calculator to handl[...]

Index 289 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Index Special Characters - , 47 low-battery annunc iator , 17 , 184 , 224 shift annunc iator , 19 % , 40 %T O TL menu fo rmu l a, 247 usi n g, 51 & , 22 Σ , 13 9 , 171, 17 6 – 77 , 2 20  , 35  , 35  , 78  , 92 , 95 , 9 6–9 7  , 12 7  , 49 , 50 ?[...]

290 Index File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9  , 3 6 , 26 2  , 10 9  key , 34  thr ough  , 14 5  , a ppo intm ent-s etti ng menu , 14 5 ABS (absolu te value) func tion, 16 9 Acc rued inter est , on bond , 10 9 , 111 Accu ra cy o f th e clo ck, 23 0 Ac know ledging appointmen ts, 14 7 Actu al calendar[...]

Index 291 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Arithme tic priority , 15 4 Arro w key s for c hanging cur rent eq uation, 15 6 for editing , 32 for fi n d i ng a n eq ua t io n, 16 2 for r olling the his tory stac k, 43 for v ie wing long equ ations, 16 6 B  , 56  , 13 2  , 78  , 64  , 11 5  , 56 Back[...]

292 Index File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9  , 56  key , 53  ,  , 56 @c , 20 , 28 – 29 C , 17 , 20 , 3 2 v , 16 , 17 , 2 6 2 CAL C menu in CFL O menu , 101 in S OL VE menu , 15 8 – 59 in S UM menu , 12 8 in T IME me nu , 15 0 Calculat ions, RP N order o f , 2 7 4 parenthe sis in, 2 66 , 2 7 4 Calcula[...]

Index 293 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 starting a ne w list , 99 v iew ing name of cur rent l ist , 99 viewi n g n um be r s, 97 Chain calc ulations, 21, 38 – 39 , 38 i n R P N, 266, 27 4 Chan ging batterie s, 22 5 – 26 the sig n of a n umber , 22 Char acters for CFL O list , 98 – 99 for eq uation names ,[...]

294 Index File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Cost mark up on , 4 9 , 52 of c apit al, 10 1 Count er v aria ble,in su mmation func tion , 17 6 Coupon basis, 10 8 – 9 pa y ments, 10 8 Creating a CFL O list, 94 – 96 , 99 a ne w equation , in the Solv er , 157 – 58 a S UM list , 12 3 – 24 , 12 7 CT IME , 16 9 Cu [...]

Index 295 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 DD A Y S, 16 9 Dec imal places, 34 , 4 7 Dec imal poin t, 35 Dec lining balance depr ec iation. See Deprec iat ion Deleting all infor mation, 2 25, 228 – 29 char acters, 32 equations , 16 2 – 64 fr om a CFL O lis t, 9 8 , 10 0 fr om a S UM lis t, 12 5 , 12 7 v a ri abl[...]

296 Index File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 alphabetic inf ormation , 31 – 32 equations, 161 keys, 31 – 32 Effec ti v e intere st rate , 84 – 87 , 100 End pay ment mode , 64 , 6 5 Ending v al ue , in summation func tion , 17 6 English language , setting, 224 Enter ing equations , 15 7 – 58 gu esses in th e S[...]

Index 297 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 F ace va lue , bond, 11 0 FAC T, 16 9 F a c t o r i a l , 42, 16 9 FIN menu , 256 – 57 FL OW , S olv er , 16 9 For e c a st i n g calcu lations, 13 0 – 37 equations , 25 1 v alues, 121, 13 2 – 34 F ore ign language , 224 F ormatting number , 34 FP , 16 9 F racti onal[...]

298 Index File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9  , 18  key , 63  ,  , 56 I , 98 for s toring eq uations, 30 in CFL O menu , 92 in RPN, 2 64 in the Sol ver list , 157 – 58 in S UM list , 12 3 I%, 101 ICNV equations , 248 menu , 84 – 85 varia b l es, cl e a ri ng, 86 IDIV , 17 0 IF , 17 0 , 17 4–7 6 nest[...]

Index 299 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Iterati on in Solv er , 17 9 – 83 , 24 0 , 242 – 46 L  , 11 5  , 13 2  , 18 6  , 42  , 42 L , 44 in RPN, 2 7 3 L, 17 0 Lan gua g e, set ti n g, 224 Lar ge number av ailable , 47 in a list , 12 8 Lar ge numbers, k ey ing in and displa ying , 47 Las t re s[...]

300 Index File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 MAIN me nu , 19 Manual , organi z ation o f , 16 Markup on cos t, 4 9 , 52 on pr ice , 4 9 , 52 Math in equ ations, 16 5 , 16 7 MA TH menu , 4 2 , 260 MAX, 17 0 Mean, 25 1 calcu l ating , 12 8 – 30 w eig hted , 13 8 – 39 Median , 25 1 calcu l ating , 12 8 – 30 Memor [...]

Index 301 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9  , 63  in CFL O list, 98 – 99 in S UM list , 12 6  , 101  , 101  , 101  , 157  , 56  , 56  , 56  , 42  , 85 – 86 @  , 6 3 N, n on -i nt eg er , 63 , 7 2 Names of equa tio ns, 161 of l ist s, cle ari ng, 99 of variabl es, 16 6 Negativ[...]

302 Index File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Option to bu y , f or a lease , 74 – 75 OR , 174 Order o f calculati on, in the Sol ver , 16 5 OT H E R m e n u, 14 6 – 47 Ov erdue appo intments. S ee P ast- due appo intment Ov er vi ew , 3 P  , 56 , 63  , 78  , 63  , 62  , 78 , 82 , 85  , 5 2 , 10 [...]

Index 303 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 PI, 42 , 17 0 PM T . See al so P a y ments in TVM, 63 r ounded amor ti zati on calcu lations, 78 P ositiv e numbers in cash flo w calc ulations , 92 – 94 in TVM, 64 Po w e r. See als o Low po we r; Batteries function , 41, 2 6 5 ra ising a nu mber to , 41 P ower curve , [...]

304 Index File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9  , 56  , 3 6  , 18 6  , 56 @r , 35 ~ , 4 3, 263 R , 45 – 46 , 98 in RPN calc ulations , 2 66 w ith v aria bles , 28 R ↑ , 263 R adix (dec imal point), 34 Ra ng e calcu l ating , 12 8 of num bers, 48 R ate of r eturn , per iodi c, 10 0 R ecalling number s, 4[...]

Index 305 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 S (functio n) , 17 0 Sample s tandard de v iation, 12 8 Sa ving numbers , 43 Sa vings accou nt, 71 – 7 2 college , 202 – 6 college , RPN , 2 7 8 reg u la r , 200 – 202 ret i re me nt, 2 08 ret i re me nt, R PN, 28 2 tax fr ee, 206 – 9 tax fr ee , RPN, 2 80 Sa vings[...]

306 Index File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Sol ver me nu , 15 6 – 57 for m ultiple equations , 17 8 Solv er solutions , t y pes of , 243 – 46 Solver variables. See Variables, Sol ver Sor t i ng num b ers, 12 8 Space s in equations, 16 6 Spec ify ing the number of dec imal places, 34 SPFV , 17 1 , 2 4 6 SPPV , 1[...]

Index 307 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 inserting nu mbers , 12 4 larg est number in , 12 8 name , deleting, 12 7 naming , 12 6 printing , 18 7 smalles t number in , 12 8 sortin g , 121, 12 8 starting a ne w list , 12 7 viewi n g n um be r s, 12 4 v iew ing the name of the curre n t l ist, 12 6 SU M m e nu, 12 2[...]

308 Index File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 T yp i ng aids , 16 7 T yp ing alphabeti c char acters , 30 U  , 56  , 56 Unackno wledged a ppointments, 14 8 Unit con versi ons , in the So lver , 17 8 Unknow n var iable s in Sol v er , 240 , 2 41 Up-arr ow k ey , 43 USFV , 17 1 , 2 46 USPV , 17 1 , 2 46 V V alues [...]

Index 309 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 of le ase, 74 – 75 to call , bonds, 10 8 to matur it y , bond , 10 8 y -inter cept, in c urve-fitting , 13 2 , 134 y -v al ues , in for ecasting , 13 3 – 34 Z Z ero-coupon bond , 11 3[...]

File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Th is r egulation applies onl y to The Netherlands Batterie s are deliv ered w ith this pr oduct, w hen empty do not thr o w them aw ay but collect as small che mi ca l wast e. Bij dit pr odukt zijn batter i jen gele v erd. W anneer dez e lee g zijn, moet u z e niet we gg ooi en maa[...]