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HP 20b Consultant Financial, 30b Professional manual 香港特別行政區

Models: 20b Consultant Financial

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Table 15-1 Contact Information

Country/Region	Contact

China	800-820-9669
中国

Colombia	01-8000-51-4746-8368 (01-8000-51- HP INVENT)

Costa Rica	0-800-011-0524

Croatia	www.hp.com/support

Curacao	001-800-872-2881 + 800-711-2884

Czech Republic	296 335 612
Česká republikaik

Denmark	82 33 28 44

Dominica	1-800-711-2884

Dominican Republic	1-800-711-2884

Egypt	www.hp.com/support

El Salvador	800-6160

Equador	1-999-119 ; 800-711-2884 (Andinatel)
	1-800-225-528; 800-711-2884 (Pacifitel)

Estonia	www.hp.com/support

Finland Suomi	09 8171 0281

France	01 4993 9006

French Antilles	0-800-990-011; 800-711-2884

French Guiana	0-800-990-011; 800-711-2884

Germany Deutschland	069 9530 7103

Ghana	www.hp.com/support

Greece	210 969 6421
Ελλάδα

Grenada	1-800-711-2884

Guadelupe	0-800-990-011; 800-711-2884

Guatemala	1-800-999-5105

Guyana	159 ; 800-711-2884

Haiti	183 ; 800-711-2884

Honduras	800-0-123 ; 800-711-2884

Hong Kong	800-933011
香港特別行政區

Hungary	www.hp.com/support

India	1-800-114772

Indonesia	(21)350-3408

Ireland	01 605 0356

Italy Italia	02 754 19 782

96 Warranty, Regulatory, and Contact Information

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HP 20b Consultant Financial, 30b Professional manual 香港特別行政區

Contents

HP Part Number NW238-90001 Edition 1, December HP 20b Business Consultant HP 30b Business ProfessionalFinancial Calculator User’s Guide Legal Notice HP 20b Business Consultant HP 30b Business Professional Keyboard Map Legend Page 3 Time Value of Money Table of Contents2 Mathematical Calculations 4 Canadian Mortgages TVM Canada 1 Basic Features Adjusting the Display ContrastWelcome to your new HP Financial Calculator Turning the Calculator On and OffTwo Line Display The Mode Menu Setting PreferencesCursor 3.122010 in dd.mmyyyy format. Note the . in both formats separating the first and second Changing the Calculation Mode Key Presses, the Shift Key, Secondary, and Tertiary FunctionsPage Using the Input and Equals Keys AnnunciatorsThe Input Key The Equals KeyThe Reset Menu Editing and Clearing Entries The On/CE KeyMemory and the Memory Menu Accessing Menus and Menu MapsNotes about Special Menus 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 Number Entry and Display 2 Mathematical CalculationsMathematical Functions Algebraic Mode 2*3DChain Mode Reverse Polish Notation RPN Mode The RPN Stack56.123 Last Number1.23 + O1c23 I56c 3 + 4 x 5 +Previous 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 INPUT INPUTINPUTThe Probability Sub-menu 0.37 12I s 15I3h Binomial FunctionsTwo-Number Functions Combination=Storing and Recalling with Time Value of Money TVM Keys Storing and Recalling NumbersRecall Arithmetic Recalling a Menu Item Value in a Menu Recalling and Storing Values in the Data and Cash Flow MenusRounding Numbers Percentages26 Mathematical Calculations 3 Time Value of Money Time Value of Money TVM KeysCalculating Payments on a Loan 360N 6.5Y1400 00V AmortizationPage Creating an Amortization Schedule 1400 00VDisplays the amount of interest paid on the loan applied towards interest for the first year is aboutInterest Conversion Menu Nom.%Eff.% C/YRUsing the Interest Conversion Menu 360 =4 Canadian Mortgages TVM Canada P/YR DWN C/YRCanadian Mortgage Example I2 IO300 N6Y35 0000 5 Cash Flows 0.004,500.00 4,000.00Cash Flow Example Opens the cash flow listNPV menu, and the Internal Rate of Return IRR menu Scrolls up and down8000 50004500 4000Table 5-2 Cash Flow Example 11505000 Analyzing Cash Flows IRR % Inv. I% Safe I% DWN MIRR FMRR #CF/Yr Inv. I% Net PV Net FV Net US DWN Payback Discounted Payback Total#CF/Yr Opens the NPV menu Editing Cash Flows Displays FMRR% 46 Cash Flows Sample Cash Flow DiagramsFigure 3 Sample Cash Flow Diagrams 6 Bonds The Bond Menu 4.2 82010 6.0 420206.7 5I Bond Calculation Example=L1+ Stores 115.89 in memory7 Black-Scholes Calculation Menu The Black-Scholes Menu deviation of the variation of the asset price based on the given data. Pressing =in the Black-Scholes Example 8.212.73 54 Black-Scholes Calculation MenuHOLD B Press to scroll to the next itemPress to scroll to the next itemDate Calculation Example 8 Date CalculationThe Date Calculation Menu 6.04 20103120 10I Table 8-1 Date Calculation Example KeyDisplayDescriptionBreak-even Example 9 Break-evenThe Break-even Menu 1500 00I 250 I300 I 100 00I10 Business Problems The Percent Calculation MenuPercent Calculation Examples 2. Find the percent change between 20 and 35 with no compounding 3. 30 is what % of 80? 11 Depreciation The Depreciation Menu Asset life Starting date or month of the depreciationCost and salvage values Declining balance factor DecBal and DBXover only500 I Depreciation ExamplePage 12 Statistical Operations a*x+b a*Lnx +bax2+bx+c only x Q1The Data and Stats Menus ax +bx+c Statistics Example Table 12-2 Statistics Example Months and Sales ValuesMonth 72 Statistical Operations1I1 50I 2I1 65I3I1 60I 4I1 75IPage Key Presses for Program Instructions 13 ProgrammingProgramming the HP 30b Less than ReturnEnters program mode. The first program is h3 4/3 sI I=Programming Example Program Step Reassigning Menu Functions Opens Program menu. Scrolls to step 1 ofThe Program Menu and Program Editing Tests and Jump Functions 8= LBLLong Programs and Battery Life Sub-Function Call05003$1 Other Programming FunctionsMessages Debugging a Program Saving, Restoring, and Modifying Mode Settings 2. L1hL1-L2= HOLD Solve88 Programming Error Messages and Calculator Status Error MessagesPage 15 Warranty, Regulatory, and Contact Information HP Limited Hardware Warranty and Customer CareReplacing the Batteries General TermsRegulatory Information Federal Communications Commission Notice Modifications Canadian NoticeAvis Canadien European Union Regulatory NoticeJapanese Notice Korean Notice Low Voltage Directive 2006/95/EC EMC Directive 2004/108/ECCustomer Care Contact InformationPerchlorate Material - special handling may apply 香港特別行政區 Russia Page Warranty, Regulatory, and Contact Information Table 15-1 Contact InformationCountry/Region Contact100 Warranty, Regulatory, and Contact Information Symbols A Page Error messages FMRRInsert and delete keys Interest Conversion Internal rate of return Investment Ratemode settings MathNet Future Value Net Present Value Net US Number on HP 30breassigning menu functions 79 Recall number 24 Reverse Polish NotationSafe interest rate saving, storing, modifying 86 Scientific notation 11 StatisticsThousands separator Time Value of Money