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HP 30b Professional manual HP 20b Business Consultant HP 30b Business Professional

Models: 20b Consultant Financial

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HP 20b Business Consultant

HP 20b Business Consultant

HP 30b Business Professional

Financial Calculator User’s Guide

HP Part Number: NW238-90001

Edition 1, December 2009

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HP 30b Professional manual HP 20b Business Consultant HP 30b Business Professional, Financial Calculator User’s Guide

Contents

Financial Calculator User’s Guide HP 20b Business Consultant HP 30b Business ProfessionalHP Part Number NW238-90001 Edition 1, December Legal Notice HP 20b Business Consultant HP 30b Business Professional Keyboard Map Legend Page 2 Mathematical Calculations Table of Contents3 Time Value of Money 4 Canadian Mortgages TVM Canada Adjusting the Display Contrast 1 Basic FeaturesWelcome to your new HP Financial Calculator Turning the Calculator On and OffCursor The Mode Menu Setting PreferencesTwo Line Display 3.122010 in dd.mmyyyy format. Note the . in both formats separating the first and second Key Presses, the Shift Key, Secondary, and Tertiary Functions Changing the Calculation ModePage Annunciators Using the Input and Equals KeysThe Input Key The Equals KeyEditing and Clearing Entries The On/CE Key The Reset MenuNotes about Special Menus Accessing Menus and Menu MapsMemory and the Memory Menu Once opened, you can scroll through the items in the menu by pressing or repeatedly. In most menus, when you arrive at the last item in a menu, pressing returns Page Mathematical Functions 2 Mathematical CalculationsNumber Entry and Display Chain Mode 2*3DAlgebraic Mode The RPN Stack Reverse Polish Notation RPN Mode1.23 + Last Number56.123 3 + 4 x 5 + O1c23 I56cPrevious Value Previous Value Previous Value Previous Value Previous ValueInputs the numbers and the parentheses. IntermediateIn RPN, the parentheses keys Dmanipulate the stack. Pressing performs a roll One-Number Functions and the Math Menu Page INPUTINPUT INPUTThe Probability Sub-menu 0.37 12I s Binomial Functions 15I3hTwo-Number Functions Combination=Recall Arithmetic Storing and Recalling NumbersStoring and Recalling with Time Value of Money TVM Keys Recalling and Storing Values in the Data and Cash Flow Menus Recalling a Menu Item Value in a MenuRounding Numbers Percentages26 Mathematical Calculations Time Value of Money TVM Keys 3 Time Value of MoneyCalculating Payments on a Loan 6.5Y 360N1400 00V AmortizationPage 1400 00V Creating an Amortization Scheduleapplied towards interest for the first year is about Displays the amount of interest paid on the loanNom.% Interest Conversion MenuEff.% C/YR360 = Using the Interest Conversion MenuP/YR DWN C/YR 4 Canadian Mortgages TVM CanadaO300 N6Y35 0000 I2 ICanadian Mortgage Example 0.00 5 Cash Flows4,500.00 4,000.00Opens the cash flow list Cash Flow ExampleNPV menu, and the Internal Rate of Return IRR menu Scrolls up and down5000 80004500 40005000 1150Table 5-2 Cash Flow Example Analyzing Cash Flows #CF/Yr Inv. I% Net PV Net FV Net US DWN Payback Discounted Payback TotalIRR % Inv. I% Safe I% DWN MIRR FMRR #CF/Yr Opens the NPV menu Editing Cash Flows Displays FMRR% Figure 3 Sample Cash Flow Diagrams Sample Cash Flow Diagrams46 Cash Flows 6 Bonds The Bond Menu 6.0 42020 4.2 820106.7 5I Bond Calculation ExampleStores 115.89 in memory =L1+7 Black-Scholes Calculation Menu The Black-Scholes Menu deviation of the variation of the asset price based on the given data. Pressing =in the 8.21 Black-Scholes Example2.73 54 Black-Scholes Calculation MenuHOLD B next item Press to scroll to thePress to scroll to the next itemThe Date Calculation Menu 8 Date CalculationDate Calculation Example 2010 6.043120 10I Table 8-1 Date Calculation Example KeyDisplayDescriptionThe Break-even Menu 9 Break-evenBreak-even Example 250 I 1500 00I300 I 100 00IThe Percent Calculation Menu 10 Business ProblemsPercent Calculation Examples 2. Find the percent change between 20 and 35 with no compounding 3. 30 is what % of 80? 11 Depreciation Asset life Starting date or month of the depreciation The Depreciation MenuCost and salvage values Declining balance factor DecBal and DBXover onlyDepreciation Example 500 IPage a*x+b a*Lnx +b 12 Statistical Operationsax2+bx+c only x Q1The Data and Stats Menus ax +bx+c Table 12-2 Statistics Example Months and Sales Values Statistics ExampleMonth 72 Statistical Operations2I1 65I 1I1 50I3I1 60I 4I1 75IPage Programming the HP 30b 13 ProgrammingKey Presses for Program Instructions Return Less thanProgramming Example h3 4/3 sI I=Enters program mode. The first program is Program Step Opens Program menu. Scrolls to step 1 of Reassigning Menu FunctionsThe Program Menu and Program Editing 8= LBL Tests and Jump FunctionsSub-Function Call Long Programs and Battery LifeOther Programming Functions 05003$1Messages Debugging a Program Saving, Restoring, and Modifying Mode Settings Solve 2. L1hL1-L2= HOLD88 Programming Error Messages Error Messages and Calculator StatusPage HP Limited Hardware Warranty and Customer Care 15 Warranty, Regulatory, and Contact InformationReplacing the Batteries General TermsRegulatory Information Federal Communications Commission Notice Canadian Notice ModificationsAvis Canadien European Union Regulatory NoticeLow Voltage Directive 2006/95/EC EMC Directive 2004/108/EC Japanese Notice Korean NoticePerchlorate Material - special handling may apply Contact InformationCustomer Care 香港特別行政區 Russia Page Table 15-1 Contact Information Warranty, Regulatory, and Contact InformationCountry/Region Contact100 Warranty, Regulatory, and Contact Information Symbols A Page FMRR Error messagesInsert and delete keys Interest Conversion Internal rate of return Investment RateMath mode settingsNet Future Value Net Present Value Net US Number on HP 30bnumber 24 Reverse Polish Notation reassigning menu functions 79 RecallSafe interest rate saving, storing, modifying 86 Scientific notation 11 StatisticsThousands separator Time Value of Money