HP 17bII+ manual

hp 17bII+ fina ncial calculator user ’s g uide Edition 2 HP part number F2234-90001[...]

File name : 17bii+_English(MP02-2)-040917(Print) Print data : 2004/10/28 Notice REGISTER YOUR PR ODUCT AT: www. register.hp.com THIS MANUAL AND ANY EX AMPLES CONTAINED HEREIN ARE PROVIDED “AS IS” A ND ARE SUBJECT TO CHANGE WITHOUT NOTICE. HEWLE TT-PACKAR D COMPANY MAK ES NO WARRANTY OF ANY KIND WITH RE GARD TO THIS MANU AL, INCLUDING , BUT NOT [...]

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 ages , pr ompts , and labels .  Menu s and mess ages sho w y ou options and gu ide y ou t hr ough pr oble[...]

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 ; Co ntinu ous M emory 17 Adjust in g th e Di sp lay Co nt r ast 18 Setting the Language 18 What Y ou See in the Dis play 19 Th e S h if t Key ( @ ) 19 Backs pacing and Cle[...]

Contents 5 File name : 17bii+_English(MP02-1)-040308(Print) Print data : 2004/4/1 36 Err or Messages 36 Modes 37 Calcula tor M emor y ( @M ) 2 38 Arit hm etic 38 The Cal cul a tor Lin e 38 Do ing Calc ulations 39 Using P a r entheses in Calculations 40 The P e rcen t Key 40 T he Mathematic al F uncti ons 41 The P ow er Func tion (Exponentiati on) 4[...]

6 Contents File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 59 Conv erting bet ween T w o Curr enc ie s 59 Stor ing and Recalling S ets of C urrenc ies 60 Clearing the Cu rr ency V ariable s 5 61 Time V alue of M oney 61 The TVM Menu 64 Cash F low Diagr ams and Signs of Numbers 66 Using th e TVM Men u 67 Loan Calc ulations 71 Sa v[...]

Contents 7 File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 8 108 Bonds 108 The BO N D Me n u 110 Doing Bond Calc ulations 9 114 Depreciation 114 The D E PRC Me n u 116 Doing Deprec iation Calculations 116 DB, S O YD , and SL Methods 118 Th e ACRS Me th o d 119 P ar tial- Y ear Depr eciati on 10 121 Running Total and Statisti cs 1[...]

8 Contents File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 142 The Ti m e M e nu 143 Se tting the Time and Date (SE T) 144 Changing the Time and Date F ormats (SE T) 144 Adju sting the Cloc k Setting (AD JS T) 145 Appointments (AP PT) 145 Vie wing or S etting an Appoi ntment (AP T1-APT10) 14 7 Ackno w ledging an Appoint m ent 148[...]

Contents 9 File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 17 9 How the S olv er W o rks 180 Halting and Res tarting the Numeri cal Sear ch 181 Entering Guesse s 13 184 Printing 185 The P ri n te r’ s P owe r So urc e 185 Dou ble -Space Pr inting 185 Pr inting the Displa y( P ) 186 Pr inting Other Inf o rmati on ( @p ) 186 P ri[...]

10 Table des matières File name : F_print_MP03_050426-PRINT.doc Print data : 2005/4/27 200 V al eur d'un fonds avec retraits régul iers 202 Dépôts nécessair es pour une épargne d'étude 205 V aleur d'un com pte e x onéré d'impôt 20 7 V aleur d 'un c ompt e no n ex on éré 208 T au x de rendement inte rne modifié [...]

Contents 11 File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 24 8 Cash -F low Calculation s 215 Bond C alcu lations 250 Deprec iation Calc ulations 25 1 Sum and Statis tics 25 1 Fo re c a s t i n g 252 Equ ations Us ed in (Chapter 14) 252 Canadian Mortgages 253 Odd-P eriod Calc ulations 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 Re using Numbers 27 4 Ch ain Ca lculations 275 Exer cise s F 2 7 6 RPN: Sel ected Examples 283 E rror Messag es 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 Usin g Men us 29 Using the Solv er Arithmetic 40 Calc ulating Simple Inter est 17 8 Unit Conv ersions 190 Simple Inter est at an A nnual Rate (RPN e x ample on page 2 7 6)[...]

14 List of Example s File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 72 An Indi v idual Retir ement Ac count 74 Calculating a L ease P ay m ent 75 Pres ent V alue of a Lease w ith Adv anced P ay ments and Option to Buy 80 Displa y ing an Amortiz ation S chedule for a Home Mort gage 82 Printing an Amo rtiz ati on Sc hedule 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 Pr ice and Y ield of a Bond 112 A Bond w ith a Call F eatur e 113 A Z ero-Coupon Bond 215 Y ield to Matur it y and Y ield to Call 217 Pr ice and Y ield of a Discounted Note Depreciation 117 Declining-Balance Deprec iation 118 AC R S D e d u [...]

16 Important Information File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Important Informatio n  T ake th e tim e to r ead chapte r 1. I t gi ves yo u a n ove r vi ew o f ho w t h e calcu lator w o rks , and intro duces ter ms and concepts that ar e used thr o ughou t the manual . After reading c hapter 1, y ou’ll be r ead y[...]

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 La ngua 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 es s  to displa y the INTL menu , whic [...]

1: Getting Started 19 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Th e S hi f 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 pressing 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. Keys for Clea ring Key Descr iptio n < 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 info[...]

1: Getting Started 21 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Doing Ar ithmetic The “ v ” in th e margin is a reminder that the exampl e keystrokes 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 e ying in Negativ e Numbers ( & ) The & key changes the sign of a number.  T o k e y in a negati ve n umber , type that n umber , then pr es s & .  T[...]

1: Getting Started 23 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 () () Menu K eys Menu La bels 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 pr[...]

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 enu 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 th e MU%C menu b[...]

26 1: Getting Started File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 inde x and e x amine the menu ma ps in appendix C. Displaying t he MU%C me nu: Step 2. T o displa y the MAIN men u , pre ss @A . This step lets you start fr om a kno w n locati on on the menu ma p . Step 3. Pre ss  to displa y the BUS men u . Step 4. Pres s [...]

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 example. All the keys you need are together in t[...]

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 , ke y in the number and pr ess the menu k ey . ∗ † Ar ithmetic calc ulations , as w ell as single v alues, can be stor ed.  T o c[...]

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 v alues in the list . 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: t he ALPHAbe tic Me nu 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 c ase letter s.  Space . [...]

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. Alphabetic Edit ing 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’ room . The carpet costs $22.50 per sq uare yard. Starting from the MAIN menu (press @A ): Keys: Display: De scription:   Displays the SOLVE men u an[...]

34 1: Getting Started File name : 17bii+_English(MP04)-050730(Print) Print data : 2005/7/30 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 t[...]

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 u se the rounded value. Starting with two displayed decimal places: Keys: Display: De scription: 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 culator beeps and displays a message.  Pre ss C or < to c lear[...]

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 emory ( @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 availabl[...]

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 in e 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 6 8 ÷ 1.9. Watch what happens in the display as you key [...]

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 K ey 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. Shifted Mat h Functions Key Descr iptio n @t reciprocal @v square root @w square Keys: Display: Descript ion: 4 @t  Reciprocal of 4. 20 @v  Calculates 20 . + 47.2 *  Calculates 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 last number in the display. Table 2- 2. The MATH Menu Labe ls 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 Reusing Numb ers Sometimes you might want to include the resu lt of a previou s calculation in a new calculation. There are several ways to reuse numbers. The Hist ory Stack of N umbers When you start a new operation, the previous result moves out of th[...]

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 moves o ut 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 Recalli ng 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 MU%C menu) stores the rightmost nu mber 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 ± 9.999999999 99 x 10 499 ; the smallest positive and negative numbers available are ± 1 x 10 –499 .[...]

3: Percentage Calculations in Busi ness 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 C UR R X Table 3-1 . The Business [...]

50 3: Percentage Cal culations in Business 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 ness 51 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 90000    Stores 90,0 00 in OLD . 95000   Stores 95,0 00 in NEW .    Calculates percent change. W h a t w [...]

52 3: Percentage Cal culations in Business File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Mark up as a P ercent o f 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 ness 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 menu s, you’ll see that they have two menu labels in common —  and  . COST COST Shared variab les %CHG PRIC E PRI CE %T O TL M%C M%P MU %C MU %P The calcu[...]

54 4: Currency Exchange Calculation File name : 17bii+_English(MP02-1)-040308(Print) Print data : 2004/4/1 4 Currency Exchan ge Calculations The CURRX menu does currency exchange calculations betwe en two currencies using an exchange rate that you calculate or store. Th e CURR X M en u BUS FIN SU M TIME SOL V E CU RRX SEL CT US$ EU R RA T E C. S T [...]

4: Currency Exchange Cal culation 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 ca[...]

56 4: Currency Exchange Calculation File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Tabl e 4-2. Curr encies         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) Unit[...]

4: Currency Exchange Cal culation 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 Dollars[...]

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

4: Currency Exchange Cal culation 59 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Con verting B etween 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 exchang[...]

60 4: Currency Exchange Calculation File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Recalling Set s of Currenci es. To recall a stored se t of currencies 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 th[...]

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 ney 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 each pa yment . *  T he pay ment[...]

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 (Con tinued) Menu Labe l Descript ion Second Le vel (Continue d)   Sets Be gin mode : 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 er iod s Equ a l p aym en t s (FV i s Fut ure V a l ue, if a ny ; e .g. a ba lloo n pa yme nt) Mo ney[...]

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 res; Begin mode is shown in the next figure. 123 45 Capit ali z e d va l u e of lea se Figure 5-5. Le ase Payments Made at th[...]

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 y o u kno w . (Enter each nu mber and pres s its menu key . ) 5. T o calculate a v alue , pre ss the appr opri ate menu k ey . You must give ever y variable—except the one yo u will calculate—a value, even if that value is zero. Fo[...]

68 5: Time Value of Money File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Keys: Display: De scription:    Displays TVM me nu. @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: De scription:     Display TVM 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. Calc ulate the monthl y pay ment wit hout the balloon ( FV =0) . 2. Calculate the balloon pa yment after 4 y ears. Keys: Display: De scription:    Display[...]

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: De scription:    Dis plays TVM menu. @c     Clears history stack and TVM variables.  1  e     Sets one compou nding per./yr. (one interes[...]

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 mod e X 15 1 2 2 X X Keys: Display: De scription:    Dis plays TVM menu. It is not necessary to clear data because you do not need to set any of the values to zero.  2[...]

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 the present v alue (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 purchas e opti[...]

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

5: Time Value of Money 77 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9   Ca lculates 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 o ne of the se v alues, f ollow the instru ctions u nder “Using the TVM Menu , ” on page 66. T hen 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 a yme n ts au th ori z e d succ es s i ve b. T o calcu late a sub sequent s chedule with a diff er ent nu mb e r o f pay ments, k ey in that nu mber and pr ess  . c. T o start ov er fr om pay ment #1 (using the same loan informati on) , pr[...]

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.   Displays interest paid in first year.  ?[...]

82 5: Time Value of Money File name : 17bii+_English(MP02-1)-040308(Print) Print data : 2004/4/1 Printing an Amor tiz ation Table (TABLE) To print an amortization schedule (or “table”) do steps 1 through 5 for displaying an amortization schedule (see page 78). 6. Pr ess a , Ignor e the message & A! 9  4A3 . 7 . Pr es[...]

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 Rate Conversio ns 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 rat[...]

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 e n 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 er iodic compou nding; f or e xample , quarterl y[...]

86 6: Interest Rate Conversio ns File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 To convert betwee n a no m inal annu al interest r ate a nd an ef fective annual interest rate that is compounde d continuously : 1. Pres s   to get the inte r es t conv ersions m enu . 2. Pres s  f or “ continu ous ” . 3. T o conv er t [...]

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

88 6: Interest Rate Conversio ns 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 PM T = 0, regardless of the compounding periods.) 1. Call up the per iodic inter est-rate con v ersi on menu (    ). 2. Calc ulate the eff ecti v e annual int er es t rate f r om the n[...]

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[...]

90 6: Interest Rate Conversio ns 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 accou nt 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 une qu al ( un groupe d ) amounts that occur at regular intervals. * Once you’ve entered the cash flows into a list , you can calculate: [...]

92 7: Cash Flow Calcul ation s File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Table 7- 1. CFLO Menu Labels Menu Labe l Descript ion  Accesses the CAL C menu to calcu late 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[...]

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 iods Mon ey r ece i v ed is a po siti v e numbe r Mon ey pa id ou t is a n egati ve nu mb er 123456 78 Figure 7- 1. Cash Flo w s (Un grouped) The horizontal timeline is divided into equal compounding perio[...]

94 7: Cash Flow Calcul ation s 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 ed Cas h 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 [...]

7: Cash Flow Calculations 95 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Entering Cash F lows To enter cash flows into a CFLO list: 1. Pres s   . Y o u will see ei th er   if the cur rent list is em pty , or  or mor e  if the lis t is not em pty . T his is the bottom[...]

96 7: Cash Flow Calcul ation s File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 been automati cally set to 1, and  is displa yed on the calc ulator li ne. D o ei ther a or b : a. T o retain the v alue 1 and go on to the next flow , pr ess I (or ] ). b. To c h a n g e #TIME S , ke y in the number and pr es s I . * Given[...]

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

98 7: Cash Flow Calcul ation s File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 The [ and ] keys move u p and down one number at a time. @[ and @] display the beginning and end of the li st. Changing or Clear ing a Nu mber. To change a numb er after it’s been entered: display the number, key in the new value, and press I . Use t[...]

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 Flow 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: I RR, NPV , NUS, NFV Once you hav e entered a list of cash flow s, you can calculate the following values in the CALC menu.  Sum ( TOTA L ).  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 List s Menu Labe l Descript ion  Calculates 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 Flow Calculations File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Example: Calcu lating IRR and NPV of a n Investment. An investor makes an initial investment of $80,000, and expects returns ov er the next five years as illustrated below. $ _ 80, 000 12 345 5, 000 4, 50 0 5,500 4, 000 115, 000 (Ini tia l flo w) Calcul[...]

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 $5,000 fo r FLOW(1) , prompts for next flow. 4500 I [...]

104 7: Cash Flow Calculations File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Example: An Investment wi th Grouped Cash F lows. You 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%. $ _ 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 times; prompts for next cash flow. 1000 I 4 I   Stores FLOW(2) fou r times. 0 I I [...]

106 7: Cash Flow 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: Disp[...]

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 with CFL O Data If you wo ul[...]

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 interest . Y ou can specify the:  C alendar basis : 3 0/3 60 or actual/ac tual (da y s per month/da y s per y ear ) . Muni c ipa[...]

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 face val ue when c alled. Some corporate bonds in the United States use th[...]

8: Bonds 111 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 matur ity , the CALL v alue must equ al 100. (See step 3 .) 8. T o calculate a re sult, f irs t pr ess  to acce ss the r emaining men u labels . Do either a or b : a. K e y in the y ield and pre ss  . Pr es s  to calc ulate the pri ce . b. K ey in the pr ice an[...]

112 8: Bonds File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9    6.75   Stores annual cou pon 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. DDYYYY format). 3.032022    Stores maturity date. 6   Stores annu al coupon r[...]

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 -of-the- years’ digit s.  Straight line.  Accelerated Cost Recove[...]

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 Calculations DB, S O YD , and SL Methods To calcul ate the depre ciation for a n asset: * 1. Display the DEPR C menu: pre ss   . 2. Define the c harac teris tics o f t[...]

9: Depreciation 117 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Example: Declining- Balance Depr eciation. A metalworking 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 machine[...]

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 RS M et h o d To calculate the amount of tax dedu ction under the U.S. Accelerated Cost Recov ery Sys tem: 1. Display the DEPR C menu: pre ss   . 2. Ent[...]

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

120 9: Depreciation File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Calendar Ye ar D epreciatio n 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 Depreciat ion. A movie camera 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 Stati stics The SUM menu stores and statistically analy zes sets of numbers. As you 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 E T MED N SORT F R CS T TIME NAME STD E V SOL V E GE T T O T AL RAN GE MOR E MO RE … CURRX The SUM menu creates lists of number s and performs calculations with a SUM list. Table [...]

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 e ntry.) To see this menu when the calculator line is in the display, press e . Creating a S UM L ist To keep a running total of a list of nu[...]

124 10: Running Total a nd Statistics File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Af ter b riefl y sh ow in g ITE M( 1 ) , the displa y shows      = numbe r TOTA L is the updated, r unning TOTA L of all the numbers in the lis t (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 mbers from a List . Pressing  deletes the current item. Example: Updat ing a Che ckbook. On May 31, your checking accou nt balance was $267.82. The transac tions for the first 10 days in June are: Date Trans action Amount Da te 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 N umber from a List to the Cal culator Line To copy a number from the list in[...]

10: Running Total and Statistics 127 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Starting or GETting Another List 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  . T he GET men[...]

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 L ists Menu Ke y Descript ion   Calculates the sum of the numbers in the list.   Calcu[...]

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 o f CALC menu.   Finds smallest number. Calculations with T w o V ariables (FR CS T) The FRCST menu does the following two-variable calculations using two SUM lists:  Fi t s[...]

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 R CS T (s elec t x a nd 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 previo[...]

132 10: Running Total a nd Statistics File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Table 10 -3. FRCST Menu Labe ls Menu Labe l De scription 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 -ve rsa.  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 an d forecast ing : 1. Enter the data into tw o S UM lists: one f or the x -v alues and one f or the y -va l ue s. Ma ke su re e ach l ist h a s t he sa me num b e r of i te ms so th at th e items are in matched pairs . 2. F[...]

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: De scription:   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 a t a i n on e l is t ( 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 da[...]

10: Running Total and Statistics 139 File name : English-M02-1-040308(P rint).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 tist ics for just o ne li st of da ta, sp ecif y t he sa me li st for bot h x and y . 2. T o see n , pr es s   . 3. Pr es s  again to dis play the summation men u , and pre ss the menu la bel f or the v alue y ou want . Doing Other [...]

11: Time , Appointments, and Date Arith metic 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 TIME menu. You can select a 12-hour or 24-hour clock, and a month-day-year or day- month-year calendar. You can:  R ecord appointme nts[...]

142 11: Time , Appointments, and Date Arith metic 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 d[...]

11: Time , Appointments, and Date Arith metic 143 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Setting th e T ime a nd Date ( SET) Table 11 -2. The SET Menu Labe ls Menu Labe l Descript ion  Sets the date to the displayed number ( M M.DD YYYY or DD.MMYY YY ).  Sets the time to the displayed number ( HH.MM SS ) .  Swit[...]

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

11: Time , Appointments, and Date Arith metic 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 [...]

146 11: Time , Appointments, and Date Arith metic File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 To set a n appointm ent or vie w its cur rent setting: 1. Pres s  , then  . T h e displa y tells you w hich a ppointments (number ed 1-10) are set and whic h are pas t due (exp ir ed with unac know ledged alarms) . Pre ssing ?[...]

11: Time , Appointments, and Date Arith metic 147 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 6. The appointment message (optional) : T o se t, c hang e , or j u st v ie w a mess age , pre ss  . T ype th e message ( ref er t o page 30 for usi ng the ALPH A menu). Messages are limited to a max imum of 2 2 char acters . Pr e[...]

148 11: Time , Appointments, and Date Arith metic 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-due appo intment : 1. Pres s   . 2. Pres s the menu k ey f or the past-du[...]

11: Time , Appointments, and Date Arith metic 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 metic File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Table 11 -4. CALC Me nu Labels for Date Arithmetic 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 calculates th[...]

11: Time , Appointments, and Date Arith metic 151 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 2. Ke y in the second date and pres s  . 3. Pres s  ,  , or  to calc ulate the number of da y s using that calendar . Example: Calculatin g the Number of Days bet ween Two Dates. Find the number of days between April 20, [...]

152 11: Time , Appointments, and Date Arith metic 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 Febru ary 9, 2003, yo u 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 ss 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 Foreca st + Change in Old Foreca st = Old Forecast + (Pro jected Percentag e Changes xOld Forecast) or: NEXT = O[...]

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.   Calculat es new f orecast for ne xt month. Suppose yo ur boss wants next month’s fo recast 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 Menu 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 you c an alter the current equatio[...]

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 v alid. (However, the Sol ver has no 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 v a lues in all but one of the v ari ables (f or ex ample , 2000  , et c.) . Re me m be r t ha t yo u c a n ve rif y store d val ues by p ress i ng R menu la bel . 2. T o start the calculation , pr es s the menu k ey f or the var iable you w a[...]

160 12: The Equation Solver File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Keys: Display: De scription: @A  Restores MAIN 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 ALPHA-Edit menu: 1. Pres s[...]

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 Solv er List 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 equ ation. 2. Pres s  in the S OL VE menu . 3. T o delete the equation , r espond  to both q ues tions:   ?[...]

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. Operations occur from left[...]

166 12: The Equation Solver File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 × + +× (5 ) BC A DE c ould 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 enou gh memory to[...]

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 determine 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 inser[...]

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: De scription: @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 Funct ions for Equation s 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 F unctions 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 F unctions 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 Function (US PV): Calculat ions for a Loan 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 th[...]

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 wi th IF Equations can include conditional expressions using the function IF. The syntax of the IF function is: IF  condit ional expr ession  algebr aic ex pressio n  alge brai c expre ssion  For example, the solver ac[...]

12: The Equation Solver 175 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Examples of Cond itional Equ ations.   =         Means: If A is gr eater than 7 and is les s than or equal 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 equ ation:     To do the calculation: Keys: Display: De scription: 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 function to group related equat[...]

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

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” in 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 r [...]

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 or der 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: Pr inting 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 P ri nt e r ’ s P owe r S o urc 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 ing speed mode in the calculator appropriately . To view or change the printing speed mode: 1.[...]

186 13: Pr inting File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Printing Other Infor m ation ( @p ) LIS T STK REGS PRI N T ER 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 ists, appointments, the history stack, registers, and th e[...]

13: Printing 187 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Printing the Values Stored in Vari ables. You can print a listing giving 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 produce[...]

188 13: Pr inting File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Printing Appo intments. 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 c hange the setting. A mes sage inf orms y ou that trac ing is on or o ff . If nece ss ary , pr es s  again to displa y the desir ed message . 3. Pres s e . Example: Tra ce-Printing an Arit hmetic Calculat ion. Produce a record of the keystrokes [...]

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 good friend needs a loan to start her latest enterprise and has requested t hat you lend her $450 f[...]

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 Examples File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 3. Finall y enter c urr ent v alues f or N (les s number o f pay ment periods alre ady pass ed , or 5 × 12 － 4 2) and PV (propos ed purc hase pri c e , $7 9 , 000) ; then calculate I%YR for the ann ual y ield . Step 1: Calculat e PM T . Make s ur 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: Descri ption: R  - 42    Stores number of payments remaining in 5-year loan. 79000 &   [...]

194 14: Additional Examples File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 1. Since the pay m ent amount i s not gi ven , calcu late it ( PM T ) firs t. Us e the giv en mortgage amount ( PV = $60, 000) and inter es t rate ( I%YR = 11 1 / 2 %) . 2. T o find the AP R (the new I%YR ) , us e the PM T calculated in s tep 1 and adju s[...]

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 calculating 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: Descri ption:    @c e  ?[...]

196 14: Additional Examples 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   Stor es days until first payment. 0   No balloon pay ment.   Calcu lates payment. Example: Loan with an [...]

198 14: Additional Examples File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 2. St o re 0  , 6  , and 200  . 3. A dd 200 to the annual intere st r ate, mak e the number negativ e, and stor e it in  . 4. Pres s  to calcu late the Canadi an mortgage factor . 5. C ontinu e the pr oblem by suppl y in g the other mortgag[...]

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 present v alue. 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 va[...]

200 14: Additional Examples 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 equa[...]

14: Additional Examples 201 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 1. Because the compou nding periods and the w ithdra w al per iods ar e not coinc iden t , y ou mus t f irs t conv ert the nominal inte r es t ra te to one in terms o f the w ithdraw al per iods. Y ou can do this u sing the ICNV menu , as ex plained on pa[...]

202 14: Additional Examples 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   St ores 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 know when you’ll need the money, how much you’ll need, [...]

204 14: Additional Examples 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 Withdraw als 13 2 17 8 17 9 180 0 9. 0 0 Figure 14-2. Flo w of Deposits Keys: Display: De scription:    Displays cur[...]

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 Examples File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Step 2: Calculate NUS for the monthly deposit. Keys: Display: De scription: 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 th e beginning of each year for 35 years, h ow much will yo u have at retirem ent ? 2) How much will you have paid into the IRA ? 3) How[...]

208 14: Additional Examples 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: De scription:    Displays TVM menu.  1   e      Sets 1 payment per year and Begin mode. 35   Stor es years unt il retirement. 8.175 - 28 %  ?[...]

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

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 Examples 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 Examples File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Example: Insu rance Policy. Yo u are evaluating your $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 beg[...]

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 Insurance—A Consumer’s Handbook , Indiana University Press, 1973, p. 234. Bonds Example: Yield to Maturit y and Yield to Call. On March 16, 2003 you consider the purchase o f a $1,000 bond that was [...]

216 14: Additional Examples 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 or instruct ions on entering Solver equations, see “Solv ing Your Own Equations,” on page 30. Example:Price and Yield of a Discounted Note. W hat are the price [...]

218 14: Additional Examples 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 i[...]

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 Examples 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 expected frequ encies ( 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 c alculat ors. 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 t[...]

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 u se. Q: The calculator is operating slowly, and the annunciator is blinking. Why ? A: The calculator is trace printing. Pr[...]

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 cont inue to use th e cal culat or after the battery annunciator com[...]

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 batt eries at the same ti me, in case memory lost . Re mov e one of the tw o batteri es once . Inse rt a ne w battery , making sur e that the positi ve sign (+) is fac ing outwar d. W arn ing Do not mutilate[...]

A: Assistance, Batteries, Memory, and Service 227 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 M anaging Calculator Memory 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 inform ation with which th e calculator i[...]

228 A: Assistance, Batteries , Memory, and Service File name : 17bii+_English(MP03)-050323(Print ).doc Print data : 2005/4/15 Re settin g the C alcula t or If the calculator doesn’t respond to keystro kes or i s beh aving un usual ly, attempt to reset it. Resetting the calculator halts the cu rrent calculation, clears the calculator line, and dis[...]

A: Assistance, Batteries, Memory, and Service 229 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Erasing C ontinuous Memory 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 ula[...]

230 A: Assistance, Batteries , Memory, and Service File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 Clock Accur acy 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 crys tal 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 key strokes but you suspect t hat it i s malfunctioning: 1. Do the self-test (de scr ibed below). If the calc ulator fails th e self te st , it r equir es s erv ice . 2. I f th e calculato r passes [...]

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 tinuousl y, repea ting until y[...]

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 en d-us er customer, that HP h ardware, accessories and supplies will be free from defects in materials and workmanship after the da[...]

234 A: Assistance, Batteries, Memory, and Service File name : 17bii+_English(MP02-1)-040308(Print) Print data : 2004/4/1 exclusion might not apply to you. This warranty gives you specific legal rights and you might also have other rights that vary from country to country, st ate to state, or province to province. 7. TO THE EXTENT ALLOWED BY LOCAL L[...]

A: Assistance, Batteries, Memory, and Service 235 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Service Europe Coun try : Telephone num bers Austria +43-1-3602 771203 Belgium +32-2-7126 219 Denmark +45-8-2332 844 Eastern Euro pe countries +420-5- 41422523 Finland +35-896400 09 France +33-1-4993 9006 Germany +49-69-953 07103 Gre[...]

236 A: Assistance, Batteries , Memory, and Service File name : 17bii+_English(MP03)-050426(Print ).doc Print data : 2005/4/27 Mexico Mx City 5258-992 2; ROTC 01-80 0-472-668 4 Venezuela 0800-4746-8368 Chile 800-360 999 Columbia 9-800-1147 26 Peru 0-800-10111 Central America & Caribbean 1-800-711- 2884 Guatemala 1-800-999- 5105 Puerto Rico 1-877[...]

A: Assistance, Batteries, Memory, and Service 237 File name : 17bii+_English(MP03)-050426(Print ).doc Print data : 2005/4/27  R eorient or r elocate the rece iv ing antenna.  R elocate the calc ulator , w ith re spect to the r ecei ver . Canada This Class B digital apparatus complies with Canadian ICES-003. Cet appareil numerique de la classe[...]

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 cash flows using mathematical formulas that “search” for the answer. Th e process finds a solution by estimating an answer an d then using that estimate to do [...]

B: More About Calculations 239 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 T his is the onl y answ er .  Case 4: The c al cula to r di spl ays the me ssag e:        The calc ulation is v er y com plex . It m[...]

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 cal c ulate NPV for va[...]

B: More About Calculations 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 calculator displays:    For example, if you enter an equation: AREA ＝ L x W and t[...]

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 Calculations 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 calculator dis pla ys an ans wer . This is v ery likel y the tr[...]

244 B: More About Calculations File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 re start the sear c h.  Case 2: T he calculator dis play s the values of LEFT and RIG HT , w hic h are u nequal . T o see the calc ulator’s r esult, pr ess < or C . If LEFT and RIGH T ar e r elativ ely cl ose to one an other in v alue, the re s[...]

B: More About Calculations 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 e stima tes a re "neighbors". Case 2 b: have op pos ite sign s. The t wo e stima tes a re far apa rt. Case 2 c: have th e sam e sign..  Case 3: T he calculator dis play s:  ?[...]

246 B: More About Calculations File name : English-M02-1-040308(P rint).doc Print data : 2004/3/9 enter i ng diffe rent e stimates. T he clos er you can estimate the ans w er , the more lik ely that the S olv er w ill find a solu tion .  Case 4: T he calculator dis pla y s:     The S olver is u nab[...]

B: More About Calculations 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 centage Calculations in Business (BUS )  ×    ×    ×    ×   － ＝ ＝ － ＝ － ＝[...]

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 urr ent displa y 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 + PRI N ∑ INT new ?[...]

B: More About Calculations 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 w here N n NPV NUS USPV i N TOTAL n CF Bond Calculations Reference: Ly nch, John J., Jr. and Jan H. Mayle, Standard S ecurities Calculation Methods, Securities Indust[...]

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 Calculations 251 File name : English_MP04)-050730(Print).doc Print data : 2006/4/20 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. RANGE ＝ MAX － MIN For ecasting Model Transfo rmation X i [...]

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 models, where bY M X =− CORR 2 2 SXY SX SY = × Equations Used [...]

B: More About Calculations 253 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Odd-P eriod Calculations − −  +× =    −+ −+ × × × − +   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 decimal DAYS = actu al number of d[...]

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.R CL CURRX CURR2 R A 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 OM % EFF% CAL C INSR DELE T NAME GET ＊ NEW Na mes of Li sts 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 EN D AMR T #P INT PR IN BA L NEXT T AB LE FIRS T L AS T I NCR G O Figure C-3. FIN M enu[...]

C: Menu Maps 257 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 FIN BOND D EPR C BAS IS SA L V L I F E A CRS MORE YR # DB SO YD SL M OR E TYP E SETT MA T MO RE YLD% P RIC 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 M O RE INSR D ELE T NAME GE T A LPHA-E dit m en u* ALPHA men u* MIN MAX (S e lec t x a nd y) MO RE x-l ist y- lis t COR R M B MO RE MO DL W . MN G.SD SI Z E LIN L OG EXP PWR MO RE ** [...]

C: Menu Maps 259 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 TIM E CAL C APPT SET APT1 A P T2 ...M ORE ... TI M E M/D 12/2 4 HELP MIN A/P M MSG RPT HELP A /P M DA TE 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-E dit me nu* ALPHA me nu* CAL C ED I T NEW SO L V E Figure C-6. SOLVE Menu FIX ALL . , DI SP LO G MA TH LN EXP N! PI MO DES BEEP PR NT DBL AL G RPN LIS T PRI NT E R ST K REG S T IME MSG T RA CE INTL Figure C-7. DSP, MATH, MODES, and PRI NTER Menus * For th[...]

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 use 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 Fu nctions 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 stores nu mbe rs. Use = to enter n umbers into the stac k during ar ithmetic calc ulations[...]

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: Press: 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 Mo de 27% of 200 200 E 27 % 200 * 27 %= 200 less 27% 200 E 27 %- 200 - 27 %= Calcul ations with S TO 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 Stack 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 the Stack (Roll Down) The ~ ( roll down ) function (on the ( key) lets you review the entir e 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 ~ . The[...]

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 － Ho w the Stack 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 orks You know that E separates two numbers keyed in one after the other. In terms of the st ack, how does it do this ? Suppose the stac k is filled with a , b , c , and d . Now enter and add two new numbers: 5 ＋ 6 ： a (lost) b (l ost) 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 alcu lat e fut ure sa les by p ressin g * for ea ch o f t he 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 ojec ted to be $168,000; $336,000; and $672,000. Cl ear ing Numbers Clearing One [...]

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 ＝ 412.14 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 re flect the points pai d ( PV = $6 0, 000 － 2%). All other v alues r emain the same (term is 3 0 y e ars; no fu tur e va l u e) . Keys: Display: De scription:    @c e      ?[...]

278 F: RPN: Selected Example s File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Keys: Display: De scription:    @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: De scription:    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 Accou nt. If you inve st $3,000 each year for 35 years, with dividend[...]

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 ore casting model w ith a negativ e or z ero 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 lculat ion. You m ust change on e 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 h e number ent ered 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 ar ithmetic outsi de the r ange 10 / 1 5 / 1582 t h rou gh 1 2 / 3 [...]

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

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 equ ation using the current v alues 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 hand[...]

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 la, 247 usi ng, 51 & , 22 Σ , 139 , 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 int m en t-s ettin g menu , 14 5 ABS (absolute v al ue) func tion, 16 9 Acc ru ed inter est , on bond , 10 9 , 111 Accu rac y of t he clo ck, 230 Ac kno w ledging appointmen ts, 14 7 Actu al calend[...]

Index 291 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Arithme tic p r iorit y , 15 4 Arro w key s for c hanging cur r ent eq uation , 15 6 for editing , 32 for fi nd i ng a n e qua t io n, 16 2 for r olling the history s tac k, 43 for v ie w ing long equati ons, 16 6 B  , 56  , 13 2  , 78  , 64  , 11 5  , 56[...]

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 men u , 101 in S OL VE menu , 15 8 – 59 in S UM men u, 12 8 in T IME men u , 15 0 Calculat ions, RPN order o f, 2 7 4 parenthe sis in, 2 6 6 , 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 ie wing name of c urre nt lis t, 99 viewi n g nu m b er s, 97 Chain calc ulati ons, 21, 38 – 39 , 38 i n R P N, 266, 27 4 Chan ging batterie s, 225 – 26 the sig n of a nu mber , 22 Char acters for CFL O list , 98 – 99 for eq uation name s,[...]

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 apita l, 101 Count er v ariab le ,in summation func tion , 176 Coupon basis, 10 8 – 9 pa y ments, 10 8 Creating a CFL O list , 94 – 96 , 9 9 a ne w equation , in the Solv er , 157 – 58 a S UM lis t , 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 p oint, 35 Dec lining balance deprec iation . See Deprec ia tion Deleting all infor mati on, 2 2 5, 228 – 29 char acters, 32 equations , 16 2 – 64 fr om a CFL O lis t, 9 8 , 10 0 fr om a SUM list, 12 5 , 12 7 v ari 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 tiv e inter est r ate , 84 – 87 , 100 End pay ment mode , 64 , 65 Ending v al ue , in summati on func tion , 176 English language , setting, 224 Enter ing equations , 157 – 58 gu esses i n t he So[...]

Index 297 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 F ace value , bond , 11 0 FAC T, 16 9 F a c t o ri a l , 42, 16 9 FIN menu , 25 6 – 57 FL O W , So lv 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 or eign language , 224 F orma tting number , 34 FP , 16 9 F r acti [...]

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 men u , 92 in RPN, 2 64 in the Sol v er list , 157 – 58 in S UM lis t, 12 3 I%, 101 ICNV equations , 248 menu , 84 – 85 varia bl e s, cle ari n g, 86 IDIV , 17 0 IF , 17 0 , 17 4–7 6 ne[...]

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 ge, set t in g, 224 Lar ge number av ailable , 47 in a list , 12 8 Lar ge numbers, k ey ing in and displa y ing, 47 Las t res u[...]

300 Index File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 MAIN me nu , 19 Manual , organi za tion 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 lating , 12 8 – 30 w eighted , 13 8 – 39 Median , 25 1 calcu lating , 12 8 – 30 Memor y [...]

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 lis t, 12 6  , 101  , 101  , 101  , 157  , 56  , 56  , 56  , 42  , 85 – 86 @  , 6 3 N, n on - in te ger , 63 , 7 2 Names of equa tion s, 161 of l ist s, cl eari ng, 99 of variabl es, 16 6 Negati[...]

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

Index 303 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 PI, 42 , 17 0 PM T . Se e a lso P ay ments in TVM, 63 r o unded amorti zati on calcu lations , 78 P ositiv e numbers in cash flo w calc ulati ons, 92 – 94 in TVM, 64 Po w e r . S ee also Low p ower; Batteries function , 41, 2 6 5 ra ising a number to , 41 P o wer 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 , 9 8 in RPN calc ulati ons , 2 6 6 w ith v ar iable s, 28 R ↑ , 263 R adix (dec imal point) , 34 Ra ng e calcu lating , 12 8 of num bers, 48 R ate of r eturn , per iod ic , 10 0 R ecalling number [...]

Index 305 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 S (functio n) , 17 0 Sample s tandar d dev iation , 12 8 Sa v ing numbers , 43 Sa vings accou nt , 71–7 2 college , 202 – 6 college , RPN, 2 7 8 reg ul a r , 200 – 202 ret i rem en t, 2 08 ret i reme nt, RP N, 2 82 tax fr ee, 206 – 9 tax fr ee , RPN , 2 80 Sa v ing[...]

306 Index File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 Sol ver men u, 156 – 57 for m ultiple equ ations , 17 8 Solv er solutions , type s of, 243 – 46 Solver variables. See V a riabl es, Sol ver Sor t in g nu mbe rs, 12 8 Space s in equations, 16 6 Spec ifying the nu mber of dec imal places , 34 SPFV , 17 1 , 2 4 6 SPPV , [...]

Index 307 File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 inserting nu mbers, 12 4 larg es t 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 nu m b er s, 12 4 v ie wing the name of the curre nt li st, 12 6 SU M m e n u, 12 2 ?[...]

308 Index File name : English-M02-1-040308(Pri nt).doc Print data : 2004/3/9 T yping ai ds, 167 T yping alpha betic char acter s, 30 U  , 56  , 56 Unackno wledged appo intments, 14 8 Unit con v ersi ons , in the Sol v er , 17 8 Unknow n var iables in S o lv er , 240 , 2 41 Up-arr ow k e y , 43 USFV , 17 1 , 2 4 6 USPV , 17 1 , 2 4 6 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 ity , bond, 10 8 y -inter cept, in c ur v e -fitting , 13 2 , 134 y -v al ues , in for ecasting , 13 3 – 34 Z Z ero-coupon bond, 11 3[...]