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HP user manual User's Guide Page 90
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Table of contents
BOOKMARKS
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Time Value of Money Calculations
82
Re
s
e
t
t
i
n
g
t
h
e
T
V
M
Keys
Pr
ess
]OJ
to clear t
he T
VM registers. This sets
N
,
I/YR
,
PV
,
PM
T
, and
FV
to z
er
o
and br
iefl
y display
s
TVM C
LR,
f
ollow
ed by
the c
urr
ent value in
P/Yr
.
1
2
...
85
86
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90
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...
186
187
User’s Guide
1
Legal Notice
2
Keyboard Map Legend
4
Table of Contents
5
1 At a Glance
9
Shift Keys
10
Boxed Key Functions
10
Percentages
11
Memory Keys
12
At a Glance
13
Time Value of Money (TVM)
14
TVM What if
15
Amortization
16
Depreciation
17
Interest Rate Conversion
18
¤ enters a cash flow
19
¤ to enter cash
19
1 or A to
19
1 to scroll through the
20
Date and Calendar
21
At a Glance...14
22
Break-even
24
1 to scroll
26
M to exit
26
Probability
27
Trigonometric Functions
28
Keys Display Description
29
At a Glance...22
30
2 Getting Started
31
Basics of Key Functions
32
Operating Modes
34
Arithmetic Operators
34
Calculations in Chain Mode
35
J1GPD4 returns a
36
D:a\qgVA
36
Clearing the Calculator
37
Annunciators
38
Getting Started
39
Input Key
40
Swap Key
40
Statistics Keys
40
Math Functions
41
Getting Started34
42
Selecting Angle Format
43
Hyperbolic Functions
44
Two-Number Functions
45
In-line Functions
45
Getting Started38
46
Getting Started40
48
Last Answer
49
Display Format of Numbers
49
Getting Started42
50
Scientific Notation
51
Rounding Numbers
51
Messages
52
§ key has two functions:
53
Percent Change
54
Margin Calculations
55
Markup on Cost Calculations
55
Business Percentages48
56
Using Constants
57
Using the M Register
59
Using Numbered Registers
60
É (future
63
Signs of Cash Flows
64
Periods and Cash Flows
64
Simple and Compound Interest
64
Interest Rates
65
Recognizing a TVM Problem
66
Picturing Financial Problems
67
\½ (Net Present Value) or \Á
68
Using the TVM Application
69
The TVM Keys
69
Begin and End Modes
70
Loan Calculations
70
Savings Calculations
75
Lease Calculations
79
JV:::yÉ
82
To Amortize
83
Amortize the 1
86
, and 54
86
payments
86
Resetting the TVM Keys
90
7Depreciation
91
8 Cash Flow Calculations
95
Clearing the Cash Flow Memory
96
Figure 1
97
Figure 2
97
Figure 3
97
3. Press \Á
98
JJjSV7Gd¤
99
12 periods per year
100
Cash Flow Calculations
101
Cash Flow Calculations94
102
Cash Flow Calculations96
104
Cash Flow Calculations98
106
Date Format
107
Calendar Format
107
Using the INPUT key
108
Date Calculation
109
Number of Days
110
Example 2
111
J:7JjG:JGÆ
112
S7:YG:JV\Ä
112
10 Bonds
113
Example 1
114
Resetting the bond keys
116
11 B r e a k - e v e n
117
]OY. A brief message
120
12 Statistical Calculations
121
Clearing Statistical Data
122
Entering Statistical Data
122
One-Variable Statistics
123
Statistical Calculations
125
YDÆJ:GD¡
126
DjÆSgV¡
126
\«Displays:
127
Statistical Calculations120
128
Statistical Calculations122
130
Weighted Mean
132
\Z, \W, or
134
Combinations
135
Random Number and Seed
135
Statistical Calculations128
136
Normal Lower Tail Probability
137
7:GV]oF
138
Example:
139
GS]oI7:V4
140
GSÆ7:V]oI
140
Conversions from Lower Tail
141
Statistical Calculations136
144
Y:::::a
145
G:aJ::4
145
Additional Examples138
146
Loans and Mortgages
147
Additional Examples140
148
Additional Examples
149
Additional Examples142
150
Additional Examples144
152
Automobile Loan
153
Canadian Mortgages
154
What if … TVM Calculations
155
Saving for College Costs
156
Additional Examples150
158
Cash Flow Examples
160
Net Future Value
162
Power and Batteries
163
Low Power Annunciator
163
Installing Batteries
163
The calculator won’t turn on:
164
Resetting the calculator:
164
\8 (Ch. 2 Getting Started)
165
Environmental Limits
166
IRR/YR Calculations
167
Equations
167
Interest Rate Conversions
168
Forecasting
172
Appendix C: Messages
173
Table C-1 Messages
174
Message Displayed Description
174
Replacing the Batteries
175
General Terms
176
Exclusions
176
Regulatory Information
177
Modifications
177
States Only
178
Canadian Notice
178
Avis Canadien
178
Japanese Notice
179
European Union
179
Customer Care
180
Contact Information
180
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