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HP 20b Consultant Financial, 30b Professional manual Legal Notice

Models: 20b Consultant Financial

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Legal Notice

This manual and any examples contained herein are provided "as is" and are subject to change without notice. Hewlett-Packard Company makes no warranty of any kind with regard to this manual, including, but not limited to, the implied warranties of merchantability, non- infringement and fitness for a particular purpose. In this regard, HP shall not be liable for technical or editorial errors or omissions contained in the manual.

Hewlett-Packard Company shall not be liable for any errors or for incidental or consequential damages in connection with the furnishing, performance, or use of this manual or the examples contained herein.

Copyright © 2009 Hewlett-Packard Development Company, L.P.

Reproduction, adaptation, or translation of this manual is prohibited without prior written permission of Hewlett-Packard Company, except as allowed under the copyright laws.

Hewlett-Packard Company

16399 West Bernardo Drive

MS 66M-785

San Diego, CA 92127-1899

USA

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HP 20b Consultant Financial, 30b Professional manual Legal Notice

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 Welcome to your new HP Financial Calculator 1 Basic FeaturesAdjusting the Display Contrast 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 The Input Key Using the Input and Equals KeysAnnunciators 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 +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 with Time Value of Money TVM Keys Storing and Recalling NumbersRecall Arithmetic 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/YRCanadian Mortgage Example I2 IO300 N6Y35 0000 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 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 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 itemDate Calculation Example 8 Date CalculationThe Date Calculation Menu 3120 10I 6.042010 Table 8-1 Date Calculation Example KeyDisplayDescriptionBreak-even Example 9 Break-evenThe Break-even Menu 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 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 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/ECCustomer Care Contact InformationPerchlorate Material - special handling may apply 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