HP 10bII+ Financial manual

HP 10bII+ Financial Calculator User’s Guide

HP Part Number: NW239-90001

Edition 1, May 2010

Contents

HP 10bII+ Financial Calculator User’s Guide Page Page Keyboard Map Legend Page Page Page Page 1 At a Glance Page Jj7V:1 JV§4 JVÀ GG¼ G:À DDÃ JjPjª GG4 GV4 VJd\wG J7GV JG\Í DS:Ù J:Ò JY:::Ï J::yÌ d7VÒ G:Æ JÆJG J::::Ï V::É J] G] J:\Ó Page Y::::y¤ Yj::¤ j:::ÆG¤ GD:::¤ aJG4 G7GgG:J: VG4 Page Y7GgG:J: S7:YG:G: S7jV]Î J::]Ë Y7jV]Ô JV::::] GV:]¦ D::]© J::::] \k \« \T \« \h \« \e \« \Z\« GÆV:¡ YÆd:¡ SÆJS:¡ \T\« \W\« \5V 7V]F 17GV4 ]oF ]ro 7SG ]oc P\;aJg Page 2 Getting Started Page Page GY7jJ1SG7Yj4 JdPJG7Sg4 1JJV7V4 J1GPD4 S7dPV7DVa 7dJ4 Y1dP D:agVA D:a\qgVA JG\n jVy aD4 Page Page Page gd7GV\B D7Vj1G7DS\b Page ]oR ]oC \5Y JV]c J1S:]C A7SG]oR \5G YP\; PY7V\2 ]rc J7GV]rc 17Vd]rC Jj\¨ JjÆ Gd\¨ Gd1DD 1VYAgj 1APa ]oI Y\b G:\B 1Yj7G1 J7J\2 G7V\K jd:1Y\E JGV\QD4 VAJ7GV4 D\Qv4 V:Æ GG1JY\¨ S:Æ \5D YV7SP 7JGVS4 \5d \57 Jaj4 \54 J\ zJY Y\zyJG d7gjSVYD \5G) 3 Business Percentages G::A JGV:1j§ GdJ7j\¨ DJS7g4 JGPVÆ GVVÀ D::¼ JdÀ S:Ã d7SÀ JVÃ 4 Number Storage and Storage Register Arithmetic J:1J:§ª G\QDª VV\¨DGª V:4 YV4 Jjs JY7GVm JS7dVm Y7SVym \w7 YjV7S \w7Y aDd7JV \wG VS:7J1 \wa YV7j \wD G7V \wPD 5 Picturing Financial Problems Page Page Page Page Page 6 Time Value of Money Calculations v\Ú v\Í DPJGÙ J:7VÒ JYV::A JV::Ï 1V:Ì DjVyÌ 1JV::4 D:\Ú j7VÒ dD:yÌ 1JG:::4 GV\Ú JjGV::Ï g7gÒ \5G \}Ì YgÙ 1vÌ4 J\Í G:::yÏ D:::É j7GÒ GY\Í g:yÌ S7DÒ JV\Ú Y:::::yÏ V:\Ú Page JDV::yÏ jV::É DSÙ YjÙ GY::yÌ 1vÌy4 JV:::yÉ 1p4 Page v\Ê j7jVÒ Jg::::Ï JDÆGY V\Ú JJ7VÒ JYGV:Ï GVÆ VYÆ S7j\Ó Y\Í S7SV\Ó S7SD\Ó DS:\Í V\Ó DSV\Í GVyÌ j\Ú Page 7 Depreciation :É Y:::Ï J:::É J]x D]x V:::Ï G::Ò J]u G]u D]u 8 Cash Flow Calculations Page Page V:::y¤ G:::y¤ Y:::y¤ JJjSV7Gd¤ aJG JJ:::y¤ S\¥ J:::¤ D\¥ J::::¤ J¤1 11GÆ jV::Æ1GÆ 1JG::yÆ1G :ÆY¤ V:::ÆJ¤ V:::ÆG¤ jV::ÆJ¤ :Æd¤ J::::ÆJ¤ JVÒ Page 9 Calendar Formats and Date Calculations Page Page JG7JgG:JJ \ÇJ::4 ÆJ::\Ç \5S Y7:SG:J:\Ä DJ7J:G:J:4 J:7JjG:JG \ÄS7:YG:JV4 J:7JjG:JGÆ S7:YG:JV\Ä 10 Bonds Page ]Ë V7V]Î J:Y]Ë J:J]Ñ J:7JVG:G: Y7JVG:JG 11 Break-even JV::::]£ J::::]¬ YV]© GD]¦ Page 12 Statistical Calculations Page Page Page DGÆYJV¡ DVÆVJV¡ DgÆjGV¡ ]LY g::\Z YDÆJ:GD¡ DjÆSgV¡ YV\W ]L: Page Y7V¡ D7GV¡ D7V¡ D7jV¡ a] JdDÆd:¡ JgGÆgJ¡ JjjÆgD¡ JgVÆjj¡ Page GÆJY::¡ JÆdG:¡ DÆJJ::¡ VÆGGSV¡ VÆGgd:¡ j\W g\W D:::\Z V::ÆVY¡ V:VÆDG¡ VJ:Ægg¡ VJSÆdG¡ Page V]<D4 VÆD] V]9D4 VÆD]9 \w]6 YG\w]6 J7jy]F 7:GV]oF g]IJ7gSy4 gÆJ7gSy]I GS]oI7:V4 GSÆ7:V]oI y1J4 J7Gy]F PG4 Page Page 13 Additional Examples JÆJ::::¡ GÆJJGJ:¡ DÆJD:S:¡ YÆJS:jV¡ VÆG:Vd:¡ GPDS:PJ ::a \q\qJ: :AG\n P\qD:A Jg§ AJPJ::4 GV:yÌ YVjG7gy G:\Ú J:::::y vÙAYGÙ jd:::yÏ g7VÒ JS::::Ï -AG§Ï JGÒ J:\Ú J:::::: aJGP JSaD:P YV::\«§4 1YV::Ï JGV::Ï D7VÒ PvÙ4 JJV::Ï JG\Ó G\Í JD::::Ï :ÉD:\Ú jDV:::Ï JJ7GÒ DVVVyÌ GS\Í PvÙ1 vÏ4 d\Ó JV::: JYYÙ DVÙ g7JjVÒ G:::yÌ vÌPvÙ4 1vÉ4 g7JjVAGg D:::yÌ gGVJ:7GG DV:::y¤ vÌyAjVY gG\¥ vÌy¤ Jg:AgG Appendix A: Batteries and Answers to Common Questions Page Page Page Appendix B: More About Calculations Page Page Page Page Page Appendix C: Messages Page 17 Warranty, Regulatory, and Contact Information