Manuals / HP / Computer Equipment / Calculator

HP F1902-90001 Welcome to the HP 10BII, Hewlett-Packard Quality, ZruogzlghVhuylfh, Fdofxodwru

Models: F1902-90001

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HP F1902-90001 manual Welcome to the HP 10BII, Hewlett-Packard Quality, ZruogzlghVhuylfh, Fdofxodwru

Contents

Edition HP part number F1902-90001 Hp 10BII financial calculatorEdition May FDOFXODWRU Welcome to the HP 10BIIHewlett-Packard Quality ZRUOGZLGHVHUYLFHFDOFXODWLRQV Features$ODUJHFKDUDFWHUGLVSOD\ VFKHGXOHVContents 33 3HUFHQW.H\ 84 $XWRPDWLF6WRUDJHRI,555DQG139 53 8VLQJWKH790$SSOLFDWLRQ54 &OHDULQJ790 73 &RPSRXQGLQJDQG3D\PHQW3HULRGV’LIIHU123 &RQVXPHU7UDQVDFWLRQVLQWKH8QLWHG.LQJGRP 101 $QQXDO3HUFHQWDJH5DWHIRUD/RDQLWKHHV132 7LPH9DOXHRI0RQH\790 129 ,555&DOFXODWLRQV130 +DOWLQJDQG5HVWDUWLQJ,555 QWHULQJD*XHVVIRU,555Page 7XUQVFDOFXODWRURQ At a GlanceBasics-At a Glance FRQFHSWVSUHVHQWHGLQWKLVVHFWLRQ$GGWR Percentages-At a Glance7D 3HUFHQW RVW 3ULFHOHDUVGLVSOD\ Memory Keys-At a Glance…6WRUHVDFRQVWDQWRSHUDWLRQ 6WRUHV·ïµDVD6HWVSD\PHQWVSHU\HDU Time Value of Money TVM-At a Glance…3D\PHQW 1XPEHURISD\PHQWVSHU\HDUPRGH+RZPXFKFDQ\RXERUURZDWDLQWHUHVWUDWH TVM What if…-At a Glance…DOFXODWHVDPRXQW\RX FDQERUURZ’LVSOD\VEDODQFH Amortization-At a Glance…DQGBALDQQXQFLDWRUVUHVSHFWLYHO\ ’LVSOD\VSULQFLSDOFRPSRXQGHGPRQWKO\ Interest Rate Conversion-At a Glance…WKHQVROYHIRUWKHXQNQRZQUDWH 3HULRGVSHU\HDUQWHUV ,5 IRR/YR and NPV-At a Glance…1HWSUHVHQWYDOXH QWHUVQXPEHURIFRQVHFOHDUVWDWLVWLFDOUHJLVWHUV Statistics-At a Glance…55.68 10.00 27.50 420.00 Key memory Backspace Accumulate statistical data Cash flows Keyboard MapPage Simple Arithmetic Calculations Power On and OffAdjusting the Display Contrast Getting StartedDOFXODWHVUHVXOW KDQJHVWKHVLJQRIClearing Memory Understanding the Display and KeyboardCursor Clearing the Calculator26 1 Getting Started AnnunciatorsDJDLQ Shift KeyStatistics Key EHHQSHUIRUPHG$GGVDQG Math FunctionsInput Key Swap KeyFKDQJH Display Format of NumbersQWHUV QXPEHU DOFXODWHVWKHSHUFHQWSODFHV Specifying Displayed Decimal PlacesScientific Notation DIWHUWKHGHFLPDOSRLQW’LYLGHV Displaying the Full Precision of NumbersInterchanging the Period and Comma GHFLPDOSRLQWLVQRWVKRZQRounding Numbers MessagesBusiness Percentages Percent KeyFinding a Percent Percent Change Adding or Subtracting a PercentGLVSOD\HG Margin and Markup CalculationsMargin Calculations Markup on Cost CalculationsFDVHRIVRXS Using Margin and Markup Together6WRUHVPDUNXS DOFXODWHVWKHSULFHRQRSHUDWLRQV Using Stored Numbers in CalculationsUsing Constants Number Storage and ArithmeticVWDQW FRQVWDQWUHJLVWHU Using the M RegisterUHJLVWHU 5HFDOOVFRQWHQWVRIWKHRPSOHWHVILUVW Using Numbered RegistersIROORZLQJ 5HFDOOV5 LQ5 Doing Arithmetic Inside Registers0XOWLSOLHVLQ5 E\ DQGVWRUHVUHVXOWDoing Arithmetic ⋅ Power OperatorUsing Parentheses in Calculations FDOFXODWH1RFDOFXODWLRQ\HW DOFXODWHV†DOFXODWHV 0XOWLSOLHVWKHUHVXOWE\WRVROYLQJDILQDQFLDOSUREOHP Picturing Financial ProblemsHow to approach a Financial Problem Picturing Financial Problems000.00 46 4 Picturing Financial ProblemsSigns of Cash Flows DERXWWKHWUDQVDFWLRQNQRZQEHIRUH\RXFDQEHJLQFDOFXODWLQJ Periods and Cash FlowsSimple and Compound Interest Simple Interest005.00 010.03 015.08 020.16 025.26 48 4 Picturing Financial ProblemsCompound Interest DUHEDVHGRQFRPSRXQGLQWHUHVWTwo Types of Financial Problems Recognizing a TVM ProblemInterest Rates PMT = -1,041.40 FV = -10,000.00 PV = 150,000.00= 360 30 357 358 359000.00 Recognizing a Cash Flow ProblemPage 3D\PHQWVPXVWRFFXUDWUHJXODULQWHUYDOV Using the TVM ApplicationTime Value of Money Calculations 7RXVH790VHYHUDOSUHUHTXLVLWHVPXVWEHPHWRFFXUDWWKHEHJLQQLQJRUHQGRIHDFKSHULRG Clearing TVMDOFXODWHVDQDPRUWLDWLRQWDEOH RFFXUVDWWKHEHJLQQLQJRIWKHILUVWSHULRGLoan Calculations Begin and End ModesWRSD\DIWHU\HDUV 6WRUHVDPRXQWERUURZHG 6WRUHVWKHDPRXQWOHIW6WRUHVLQWHUHVWUDWH PV = ? YR = 7.5% = 30 356 357 358 359 360 PMT = End ModeSXUFKDVHSULFH 6HWVSHULRGVSHU\HDU6WRUHVRULJLQDOORDQ 6ROYHWKLVSUREOHPXVLQJWZRVWHSV6WRUHVORDQEDODQFH DIWHU\HDUVPV = 172,500.00 YR = 8.8% = 4 WKHQVWRUHVWRDFFXPXODWH Savings CalculationsOHDUVDOOUHJLVWHUV ILUVWGHSRVLWFV= ? YR = 6.3% YR =PMT = PV = -2,000.00 GHSRVLWV FV = YR = 7% = 600 50 PV = -400,000.00 Begin ModeSHU\HDU 6WRUHVQXPEHURIWKHEHJLQQLQJRIHDFK Lease CalculationsZLWKGUDZDOV WZRFRPPRQOHDVHFDOFXODWLRQVLQPRQWKV FV = 7,500.00 PMT = ? YR = 10% PV = -13,500.00 Begin Mode\LHOG YDOXHBegin Mode PV = ? 7KLVVROXWLRQUHTXLUHVIRXUVWHSVPMT = -2,400.00 48th payment due up front FV = -15,000.00 $GGVDGGLWLRQDO SD\PHQWVDOFXODWHVSUHVHQW YDOXHRIPRQWKO\Amortization Payment $Principal $ Interest $ Time 68 5 Time Value of Money Calculations WKHVDPHYDOXHVDJDLQDQGEDODQFH \WKHVWDUWLQJDQGHQGLQJSD\PHQWVWKDWZLOOEHDPRUWLHGHQGLQJSHULRGV 579.82’LVSOD\VWKH35,113,894.66’LVSOD\VWKH,17 178,420.18’LVSOD\VWKH%$/70 5 Time Value of Money Calculations $PRUWLHWKHVHFRQG\HDU’LVSOD\V35,1DQGWKH 6HWVSD\PHQWVSHU\HDU’LVSOD\V,17DQGWKHLQWHU HVW SULQFLSDOSD\PHQWIDYRUDEOHLQWHUHVWUDWH Interest Rate ConversionsInvestments With Different Compounding Periods SHULRGGLIIHU6WRUHVQRPLQDOUDWH Compounding and Payment Periods Differ6WRUHVQRPLQDOUDWH 6WRUHVTXDUWHUO\ FRPSRXQGLQJSHULRGV 6WRUHVQRPLQDOUDWH 6WRUHVPRQWKO\FRP SRXQGLQJSHULRGVDOFXODWHVEDODQFHDIWHU Step . &DOFXODWHWKHIXWXUHYD XH6WRUHVSD\PHQW 6WRUHVWRWDOQXPEHURI QWHUWKHQXPEHURISHULRGVSHU\HDU How to Use the Cash Flow ApplicationCash Flow Calculations WKH+3%,,0RQWKO\\LHOG QWHUVQHWFDVKIORZQWHUVILQDOFDVKIORZ QRPLQDO\LHOGOrganizing Cash Flows NPV and IRR/YR Discontinuing Cash Flows 3UHVV*&WRFOHDUWKHUHVLVWHUV Entering Cash FlowsIORZVXVLQJWKHIROORZLQJVWHSV EHHQHQWHUHG7RYLHZDFDVKIORZSUHVV Viewing and Replacing Cash FlowsJURXSDPRXQW QWHUVQXPEHURI UHSHWLWLRQV IORZJURXSDPRXQW QWHUVQXPEHURI UHSHWLWLRQV Calculating Net Present Value7RUHSODFHDFDVKIORZDPRXQWSUHVV 7KHVHVWHSVGHVFULEHKRZWRFDOFXODWH139OHDUVUHJLVWHUV QWHUVQXPEHURI RFFXUUHQFHVYR = 15% 10,000 500 82 6 Cash Flow Calculations FDOFXODWHWKHQHWSUHVHQWYDOXH000 10,000 500 28,000 11 13 15 17 IRR/YR = ? 19 21 23 Calculating Internal Rate of Return 3UHVV*9 SUHYLRXVHDPSOH84 6 Cash Flow Calculations Automatic Storage of IRR/YR and NPVStatistical Calculations Statistical CalculationsClearing Statistical Data HLJKWHGPHDQVWDWLVWLFDOUHJLVWHUV Two-Variable Statistics and Weighted MeanEntering Statistical Data One-Variable StatisticsCorrecting Two-Variable Data Correcting Statistical DataSummary of Statistical Calculations Correcting One-Variable Data88 7 Statistical Calculations LI\RXHQWHUHG\GDWD6XPRIWKHYDOXHV 6XPRIWKH\YDOXHVDOFXODWHVWKHURRWPHDQ VTXDUH90 7 Statistical Calculations Linear Regression and Estimation82.75 ’LVSOD\VPHDQRIZHLJKWV\ IROORZV 783.25VWLPDWHVVDOHVLI ’LVSOD\VVORSHFRHIILFLHQW PLQXWHVRIDGYHUWLVLQJ 357.38VWLPDWHVVDOHVLIWeighted Mean Page SURGXFW Setting a Sales PriceAdditional Examples Business ApplicationsOHDUVVWDWLVWLFVUHJLVWHUV Forecasting Based on HistoryVHYHQ VWLPDWHVVDOHVIRU\HDUCost of Not Taking a Cash Discount 17567 Loans and MortgagesSimple Annual Interest Continuous CompoundingYield of a Discounted or Premium Mortgage DOFXODWHVUHJXODU PRUWJDJHQWHUVDPRXQWOHIWWRSD\ DIWHU\HDUVAnnual Percentage Rate for a Loan With Fees GXH 72&DOFXODWHV$35FRQVLGHULQJIHHV LQWHUHVWD HPDGHLoan With a Partial Odd First Period UHEDWH LWKZKLFKFKRLFHGR\RXSD\OHVVIRUWKHFDU Automobile LoanDPRXQW GHDOHULVRIIHULQJWZRFKRLFHVIRUILQDQFLQJCanadian Mortgages What if … TVM Calculations IROORZV106 8 Additional Examples 6WRUHVQHZWHUP LQWHUHVWSDLGRQWKHFRQWUDFWWRSD\RIIORDQ ELZHHNO\SD\PHQWVYear SavingsSaving for College Costs $15,000 YR = 9%142 143 144 PMT = ? 6WRUHVDQQXDO ZLWKGUDZDO 6WRUHVQXPEHURI ZLWKGUDZDOVFV from Previous110 8 Additional Examples Gains That Go Untaxed Until WithdrawalQHHG VWDUWLQJZLWKLQIODWLRQUDWH VWDUWZLWK 6WRUHVDPRXQWRI DQQXDOSD\PHQWUHWLUHPHQW RILQWHUHVWDFFRXQWDWUHWLUHPHQW Value of a Taxable Retirement AccountVWDUWLQJZLWK 6WRUHVDPRXQWRI DQQXDOSD\PHQW 6WRUHVDPRXQW\RXDUHWrap-Around Mortgages Cash Flow ExamplesWLPHVSD\PHQWRFFXUV KHQ\RXJURXSWKHDERYHFDVKIORZV\RXOOILQGWKDWQWHUVQHWSD\PHQWIRU QHWPRQWKVJURXS Net Future ValueFXUUHQWEDODQFHRIWKHDFFRXQW JURXS116 8 Additional Examples YDOXH1393UHVV*SDJH Assistance, Batteries, and ServiceAssistance, Batteries, and Service Answers to Common Questions6WRUDJHWHPSHUDWXUH†ƒWRƒ&†ƒWRƒ Environmental LimitsKDWGRHVDQ·µLQDQXPEHUIRUHDPSOH†PHDQ KDWGRHVPENDLQWKHGLVSOD\PHDQInstalling Batteries Power and BatteriesLow Power Annunciator Battery SpecificationsVHFWLRQ 5HPRYHERWKEDWWHULHVFDVHWKHFDOFXODWRUUHTXLUHVDVHUYLFH Determining if the Calculator Requires ServiceQVWDOOQHZEDWWHULHV HUDVHWKHPHPRU\VHHEHORZEDWWHU\DQGEDWWHU\OHDNDJHZDUUDQWLHV Limited One-Year WarrantyWhat Is Covered What Is Not CoveredXSGDWHSURGXFWVRQFHVROG If the Calculator Requires ServiceObtaining Service Consumer Transactions in the United KingdomService Charge Warranty on ServiceShipping Instructions Service Agreements Regulatory InformationRSHUDWHWKLVHTXLSPHQW End-user terms and conditions Assistance, Batteries, and Service Page KHOS\RXLQWHUSUHWZKDWKDVKDSSHQHG More About CalculationsIRR/YR Calculations Possible Outcomes of Calculating IRR/YR$IWHU\RXYHLQWHUUXSWHGWKHFDOFXODWLRQ Halting and Restarting IRR/YRTering a Guess for IRR/YR RQHQHJDWLYHFDVKIORZWRFOHDUWKHVWDWLVWLFDOUHJLVWHUVDQGUHHQWHUWKHGDWD Effect of Using Σ- to Correct DataRange of Numbers IROORZLQJWKLVDSSHQGLAmortization EquationsMargin and Markup Calculations Time Value of Money TVMRUHDFKSD\PHQWDPRUWLHG Interest Rate ConversionsCash-Flow Calculations WKHJURXSQXPEHURIWKHODVWJURXSRIFDVKIORZV Σx = StatisticsPage FRQGLWLRQ Messages0HPRU\KDVEHHQHUDVHGSDJH RS\ULJKWPHVVDJHUflo 5XQQLQJ$FDOFXODWLRQLVLQSURFHVVSpecial Keys IndexKDLQFDOFXODWLRQV HJLQPRGH RUURZLQJHTXLW\ \RXWYDOXH Gldjudpv Glvfrxqw Hqwhulqj Htxdwlrqv Uhsodflqj Xqhyhq Ylhzlqj Zhljkwhg , 0HPRU\ Uhvwduwlqj LQHDUUHJUHVVLRQ , Rjdulwkp DULWKPHWLFLQ Qxpehuhg DWDJODQFH 3HUFHQW 5DWH Hiihfwlyh , Vxppdwlrq 6LJQFKDQJLQJ Hvwlpdwlrq Uhjlvwhuv