HP 20b Business Consultant Financial Calculator User Manual download pdf (Page 45)

Cash Flows

5Cash Flows

Figure 1 Cash Flow Diagram

In the calculator, a cash flow list is a set of numbered pairs, CF(n) and #CF(n), where n is the

index of the cash flow list. Each pair represents one or more cash flows in a cash flow

diagram. As with TVM problems, it helps to sketch a cash flow diagram as a first step in

solving cash flow problems. For some examples of cash flow diagrams, see Figure 3 at the

end of this chapter.

CF(n) represents the monetary value of the cash flow; #CF(n) is the number of consecutive

occurrences of that cash flow. By default, #CF(n) is equal to 1, as most cash flows occur only

once. However, in cases where a cash flow is repeated multiple times, using #CF(n) instead

of entering the cash flow value multiple times saves calculation time and memory space in the

calculator.

To enter a cash flow list, press

C to open the cash flow menu.

For each cash flow item, first enter the monetary value followed by I, then enter the

number of occurrences followed by

If a cash flow occurs once, you do not need to type

1I. Simply press I

or < as 1 is the default.

CF (0)

-80,000.00

6 7 8 9

CF (6)

115,000.00

CF (1)

5,000.00

CF (2)

4,500.00

CF (3)

0.00

CF (4)

4,000.00

CF (5)

5,000.00

1 2 ... 40 41 42 43 44 45 46 47 48 49 50 ... 113 114

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HP 20b Business Consultant Financial Calculator User Manual Page 45