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HP 20b Consultant Financial, 30b Professional manual Thousands separator Time Value of Money

Models: 20b Consultant Financial

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Thousands separator 3

Time Value of Money

see TVM 27 TVM

begin mode 28

Canadian Mortgage example 35 end mode 28

example 28 future value 28 keys 28

nominal interest rate 28 number of payments 28 number of payments per year 28 periodic payment value 28 present value 28

setting for TVM Standard or TVM Canada 4 storing and recalling with TVM keys 24 storing values in TVM variables 28

TVM Canada, Canadian mortgages 35

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HP 20b Consultant Financial, 30b Professional manual Thousands separator Time Value of Money

Contents

HP 20b Business Consultant HP 30b Business Professional Financial Calculator User’s GuideHP Part Number NW238-90001 Edition 1, December Legal Notice HP 20b Business Consultant HP 30b Business Professional Keyboard Map Legend Page Table of Contents 2 Mathematical Calculations3 Time Value of Money 4 Canadian Mortgages TVM Canada Welcome to your new HP Financial Calculator 1 Basic FeaturesAdjusting the Display Contrast Turning the Calculator On and OffThe Mode Menu Setting Preferences CursorTwo Line Display 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 The Input Key Using the Input and Equals KeysAnnunciators The Equals KeyThe Reset Menu Editing and Clearing Entries The On/CE KeyAccessing Menus and Menu Maps Notes about Special MenusMemory 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 2 Mathematical Calculations Mathematical FunctionsNumber Entry and Display 2*3D Chain ModeAlgebraic Mode Reverse Polish Notation RPN Mode The RPN StackLast Number 1.23 +56.123 O1c23 I56c 3 + 4 x 5 +Inputs the numbers and the Previous Value Previous ValuePrevious Value Previous Value Previous Value 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 Two-Number Functions 15I3hBinomial Functions Combination=Storing and Recalling Numbers Recall ArithmeticStoring and Recalling with Time Value of Money TVM Keys Rounding Numbers Recalling a Menu Item Value in a MenuRecalling and Storing Values in the Data and Cash Flow Menus Percentages26 Mathematical Calculations 3 Time Value of Money Time Value of Money TVM KeysCalculating Payments on a Loan 1400 00V 360N6.5Y AmortizationPage Creating an Amortization Schedule 1400 00VDisplays the amount of interest paid on the loan applied towards interest for the first year is aboutEff.% Interest Conversion MenuNom.% C/YRUsing the Interest Conversion Menu 360 =4 Canadian Mortgages TVM Canada P/YR DWN C/YRI2 I O300 N6Y35 0000Canadian Mortgage Example 4,500.00 5 Cash Flows0.00 4,000.00NPV menu, and the Internal Rate of Return IRR menu Cash Flow ExampleOpens the cash flow list Scrolls up and down4500 80005000 40001150 5000Table 5-2 Cash Flow Example Analyzing Cash Flows Inv. I% Net PV Net FV Net US DWN Payback Discounted Payback Total #CF/YrIRR % Inv. I% Safe I% DWN MIRR FMRR #CF/Yr Opens the NPV menu Editing Cash Flows Displays FMRR% Sample Cash Flow Diagrams Figure 3 Sample Cash Flow Diagrams46 Cash Flows 6 Bonds The Bond Menu 6.7 5I 4.2 820106.0 42020 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 2.73 Black-Scholes Example8.21 54 Black-Scholes Calculation MenuHOLD B Press to scroll to the Press to scroll to thenext item next item8 Date Calculation The Date Calculation MenuDate Calculation Example 3120 10I 6.042010 Table 8-1 Date Calculation Example KeyDisplayDescription9 Break-even The Break-even MenuBreak-even Example 300 I 1500 00I250 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 Cost and salvage values The Depreciation MenuAsset life Starting date or month of the depreciation Declining balance factor DecBal and DBXover only500 I Depreciation ExamplePage ax2+bx+c only 12 Statistical Operationsa*x+b a*Lnx +b x Q1The Data and Stats Menus ax +bx+c Month Statistics ExampleTable 12-2 Statistics Example Months and Sales Values 72 Statistical Operations3I1 60I 1I1 50I2I1 65I 4I1 75IPage 13 Programming Programming the HP 30bKey Presses for Program Instructions Less than Returnh3 4/3 sI I= Programming ExampleEnters program mode. The first program is 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 Replacing the Batteries 15 Warranty, Regulatory, and Contact InformationHP Limited Hardware Warranty and Customer Care General TermsRegulatory Information Federal Communications Commission Notice Avis Canadien ModificationsCanadian Notice European Union Regulatory NoticeJapanese Notice Korean Notice Low Voltage Directive 2006/95/EC EMC Directive 2004/108/ECContact Information Perchlorate Material - special handling may applyCustomer Care 香港特別行政區 Russia Page Country/Region Warranty, Regulatory, and Contact InformationTable 15-1 Contact Information Contact100 Warranty, Regulatory, and Contact Information Symbols A Page Insert and delete keys Interest Conversion Error messagesFMRR Internal rate of return Investment RateNet Future Value Net Present Value Net US Number mode settingsMath on HP 30bSafe interest rate reassigning menu functions 79 Recallnumber 24 Reverse Polish Notation saving, storing, modifying 86 Scientific notation 11 StatisticsThousands separator Time Value of Money