Handleiding HP 10BII Calculator

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檔名: title _English- 050105. doc 頁碼: 第 1/2 頁 hp 10BII financial calculator user ’s guide Edition 1 HP part number F1902-90 001.

檔名: 10BII _English( MP02-2)- 040917( Print) 頁碼: 第 2/2 頁 Notice REGISTER YOUR PR ODUCT AT: www. register.hp.com THIS MANUAL AND A NY EXAMPLES CONTAINED HEREIN ARE PROVIDED “A S IS” AND ARE SUBJ ECT TO CH ANGE WITHOUT NOTICE.

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Welcome to the HP 10BII 3 W elcome to the HP 10BII <R X U  + 3    % , ,  UHI OHFWVWKHV XSHULRUTXDOLWDQGDWWHQ WLRQWRGHWDLOLQ HQJLQHHULQ JDQGPDQXIDFWXU.

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4 Welcome to the HP 10BII Features 7KH IHDWXUHVR IWK H+3%,, DQGWKH PDQXDOUHI OHFWWKHQHHGVDQG ZLVKHVRI PDQFXV WRP HUV $ODUJH FKDU.

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Contents 5 Contents 11 At a Glance. .. 11 %DVLFV³$WD* ODQFH 12 3HUFHQ WDJHV³$WD*ODQ FH 13 0HPRU .HV³ $WD*ODQFH« 14 7LPH9DOXHRI 0RQH 790³$W.

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6C o n t e n t s 2 33 Busine ss Perce ntage s 33 3HUFHQW.H 33 )LQGLQJD3HUFH QW 34 $GGLQJRU6XEWUDFWLQJD3H UFHQW 34 3HUFHQW&KDQ JH 35 0DUJLQDQG0DUNXS&DOFXODWLR Q.

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Contents 7 5 53 Time Val ue of M oney Calcu latio ns 53 8VLQJWK H790$SS OLFDWLRQ 54 &OHDULQJ790 55 %HJLQDQG(Q G0RGHV 55 /RDQ &DO FX OD WL RQV 60 6DYLQJV&DOFXODWL.

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8C o n t e n t s 8 95 Addi tion al E xamp les 95 %XVLQHVV$SS OLFDWLRQV 95 6HWWLQJD6DOHV3ULFH 96 )RUHFDVWLQJ %DVHGRQ +LVWRU 97 &RVW RI1RW  7DNL QJ D &DVK&.

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Contents 9 123 ,IWK H&DOFXODWRU5HTXLU HV6HUYLFH 123 2EWDLQ LQJ6HUYLFH 124 6HUYLFH&K DUJH 124 6KLS SLQJ,Q VWUXFWLRQV 124 :DUUDQ W RQ 6HUYLF H 125 6HUYLFH$JUH HPHQW.

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TOC.fm Page 1 0 Thursday, June 22, 2000 12:31 PM.

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11 At a Glance... At a Glance... 7KLV VHFWLRQLV GHVLJQHGIRURXLIRX·UHDOUHDGIDPLOLDUZLWKFDOFXODWRU  RSHUDWLR QRUI LQDQFLDOFRQ FH SWV < RXFDQX.

Pagina 12

12 At a Glance... P ercentages—At a Gl ance... $GGWR )LQGWKHPDU JLQLIWKHFR VWLVDQGVHOOLQJSU LFHLV�.

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At a Glance... 1 3 Memory K e ys—At a Glance… 0XOWLSODQGEVWRULQJ´ïµDVDFR QVWDQ WRSHUDWLRQ  6WRUHLQUH.

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14 At a Glance... Time V alue of Mone y (TVM)—At a G lance… (QWHUDQIR XURI WKHILYHY DOXHVDQ GVROYHIRUWKHI LIWK $QHJD WLY HVLJQLQWKHGLVSODUH SU.

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At a Glance... 1 5 TVM What i f…—At a Glance… ,WLV QRWQHFHVVDU WR UHHQWHU790Y DOXHVIRUHDFK H[DPSOH 8VLQJWKHYDOXHVRXMXVWHQWHUHGSDJ H �.

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16 At a Glance... Amor tization—At a Glance… $IWHUFDOFXODWLQJDSDPHQ WXVLQJ7LPH9 DOXHR I0RQH  790HQWHUWKHSHU LRGVWRDPR UWL]HD QGSUHV V �.

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At a Glance... 1 7 Interest Rate Con ver sion—At a Glance… 7 RFRQYHUWEHWZHHQQR PLQDODQ GHIIHFWLY HLQWHUHVWUDWHV HQWHUWKHNQRZQ UDWHDQGWKHQXPE HURI.

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18 At a Glance... IRR/Y R and N PV—At a Gla nce… ,IRXKDYHDQLQLWLDOFDVKRXWI ORZRIIR OORZHGEPRQWKOFDVK LQI ORZVRI�.

Pagina 19

At a Glance... 1 9 Statis tics—At a Glance… 8VLQJWKHI ROORZLQJGDWDILQ GWKHPHDQVRI  [ DQG WKHVDPSOHV WDQGDUG GHYLDWLRQVRI  [ DQG .

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20 At a Glance... Ke ys: Display: Description: 0.00 &OHDUVVWDWLVWLFVUHJLV WHUV  1.00 (QWHUVILUVW [ SDLU 2.00 (QWHUVVHFR QG [ SDLU 3.00 (QWHUVWKLUG [ S DLU  4.00 'LVSODVPHDQR I [  100.

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At a Glance... 2 1 Key bo ard M a p 1. Time value of money (page 53) 2. Separate two numbers (page 28) 3. Per cent (page 33) 4. Constant (page 37) 5. Store and recal l (page 40) 6. Change sign (page 24) 7. Statistics key (page 27) 8. Shift key (page 27) 9.

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fm Page 22 Sunday, June 25, 2000 2:21 PM.

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1: Getting S tarted 23 1 Getting Star ted P ower On and Of f 7 R WXU QRQRXU+3 %,,SU HVV 7 RWXUQ WKHFDOFXODWRU  RIISUHVVWK HRUDQ JHVKLI W�.

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24 1: Getting Started :KHQD FDOFXODWLRQK DVE HHQFR PS OHWHGESUHVVLQ J SU HVVLQJD QXPEHUNHVWDU WVDQHZFDOFXODWLR Q ,IRXSUHVVD QRS .

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1: Getting S tarted 25 Understa nding the Display and Ke yboard Cursor 7KHFXU VRUBLVYLVLEOH ZKHQRXDUHHQWHULQ JDQXPEHU Clearing the Calculator :KHQ WKH�.

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26 1: Getting Started Annunciators $QQXQFLDWRUVDU HVPE R OVLQWKHGLVS ODWKDWLQGLFDWHWKHVWDWXVR IWKH FDOFXODWRU Annunciator Status SHIFT 7K HVKLIWNH �.

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1: Getting S tarted 27 Shift K e y 0RVWRI WKH+3%, ,NHVKDY HDVHFRQGR U´V KLIWHGµ IXQFWLRQ SULQWHGLQ RUDQJ HRQWK HNH 7K HRUDQ JHV K.

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28 1: Getting Started INPUT K ey 7KH  NHLVXVHGWRVH SD UDWHWZRQX PEHUV ZKHQXVLQJ WZ RQXPEH UI XQFWLRQV RUWZRYDULDEOHVWDWLVWLFV 7KH  NHF.

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1: Getting S tarted 29 T wo-Number Functions. :KHQDIXQ FWLRQUHTXLUHVWZR QXPEHUVWKHQXPEHUVDUHHQ WHUHGOLNHWKLV QXPEHU  QXPEHU IROORZHGE WKH.

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30 1: Getting Started Speci fying Disp layed Decimal Pl aces 7 R VSHFLI WK HQXPEHURI GLVS ODHGGHFLPDOSODF HV  3UHVV   (Q WHUWK HQXPEHUR IGLJLWV.

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1: Getting S tarted 31 Displaying the Full Precision of Number s 7 RVHWRXUFDOFXODWRUWRGLVS ODQXPEHUVDVS UHF LVHODV SRVV LEOHSUHVV WUDLOLQJ]HURVDU H�.

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32 1: Getting Started Rounding Numbers 7K HFDOFXODWRUV WRUHVDQGFDOFXODWHVXV LQJGLJLW QXPEHUV:KHQGLJLWDFFXUDFLVQR WGHVLUDEOHXVH W.

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2: Business Percentages 3 3 2 Business P er c enta ges < RXFDQXVHWKH+3 %,,WRFDOF XODWHVLPS OHSHUF HQWS HUFHQ WFKDQJH FRVWSULFHPDUJLQ �.

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34 2: Business Percentages Adding or Subtracting a P er cent < RXFDQDGGRUVXE WUDFWDSHUF HQWLQ RQHFDOF XODWLRQ  Example .

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2: Business Percentages 3 5 Mar gin and Markup Calculations 7KH+ 3%,,FD QFDOF XODWHFRVWVHOOLQ JSU LFHPDUJLQRU PDU NXS  7 R VHHDQ YDOXHXVHG�.

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36 2: Business Percentages Using Margin and Markup T og ether Example . $IR RGFRRSHUDWLYH EXVFDVHVRIFDQQH GVRXSZLWKDQLQY RLFH FRVWRI SH UFDV.

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3: Number Storag e and Arithmetic 37 3 Number Storage and Arithmetic Using S tored Num bers in Calc ulation s < RXFDQVWRUHQXPE HUVIRUUHXVHLQVHYHUDOGLIIHUH QWZD V 8VH &RQVWDQWWRVWR UHDQXPEHUDQGLWVR SHUDWR UIRUUH SHWLWLYH RSHUD WL RQV  8VH.

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38 3: Number Storage and Arithmetic Example . &DOFXODWHDQG Example . &DOFXODWHDQG Example .

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3: Number Storag e and Arithmetic 39 Using t he M Register 7KH    DQG NHVSHUI RU P PHPRU RSHU DWLRQVRQ DVLQJOHVWRU DJH UHJLVWHUFDOOHGWKH0UHJLVW.

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40 3: Number Storage and Arithmetic Using Numbered Registers 7KH  DQG NHVDFFHVVWKHXVHU UHJLVWHUV7KH NHLVXVHGWRFRSWKHGLVS ODHGQXPEHU.

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3: Number Storag e and Arithmetic 41 Doing Arithmetic Inside Registers < RXFDQGRDULWKP HWLFLQVLGHVWR UDJHUHJLV WHUV5 WKUR XJK5 7K HUHVXOW LVVWRUHGLQWKHU HJLVWHU  Examp le.

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42 3: Number Storage and Arithmetic Doing Arithmetic 0DWKIXQF WLRQVR SHUDWHRQWK HQXPEHULQ WKHGLVSOD  Example . &DOFXODWH  WKHQFDOFXODWH   Example .

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3: Number Storag e and Arithmetic 43 P ower Operator 7K HSRZHURSHUD WRU UDLVHVWKHS UHFHGLQJQXPEHU  YDOXHWRWKHSRZHURIWKHIROORZLQJQXPEHU  [ YDOXH Examp le.

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44 3: Number Storage and Arithmetic 7 R GHOD  WKH GLYLVLRQXQWLO RX·YH VXEWUDFWHG IURP XVHSDUHQWKHV HV  &ORVLQJSD UHQWKH VHVDWWKHH.

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4: Pi cturing Fina ncia l Pro blems 45 4 Picturing Financi al Pr ob lems How to approac h a Financial Prob lem 7KHI LQDQF LDOYRFDEXODU RIWKH+ 3%,,LV VLPSOLILHGWRDS .

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46 4: Pict uri ng Fin anc ial Pr oble ms $QFDVKI ORZH[DP SOHFDQEHU HS UHVHQ WHGEDFDVKIORZGLDJ U DP$V RXGUDZDFDVKIORZGLDJ UD PLGHQWLIZK.

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4: Pi cturing Fina ncia l Pro blems 47 P eriods and Cash Flows ,QD GG LW LRQWR WK H VLJ Q FRQ Y HQW LRQ FDVK IORZ LQ J RXW  LV QHJDW L Y HF DVK IORZLQJLQ �.

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48 4: Pict uri ng Fin anc ial Pr oble ms Compound Interest $FRPSR XQGLQWHU HVWFRQWUDFWLVOLNHDVHULHVR IVLPS OHLQWHUH VWFRQWUDFWV WKDW DUH FR QQH FWHG 7 K.

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4: Pi cturing Fina ncia l Pro blems 49 Inte rest Rat es :KHQRXDSSURDFKD ILQDQFLDOSURE OHPLW LV LPSRU WDQWWRUHFRJQL]HWKDW WKHLQWHUHVWUDWHR UUDWHRI .

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50 4: Pict uri ng Fin anc ial Pr oble ms < RXFDQFDOFXODWHDQYDOXHDIWHUHQ WHULQJWKHR WKHUIRXU&DVKIORZ GLDJU DPVIR UORDQVPRU WJ DJHVOHDVHV .

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4: Pi cturing Fina ncia l Pro blems 51 Recognizing a Cash Flow Pr ob lem $ILQDQFLDOS URE OHPWKDWGRHVQR WKDY HUHJXODUXQLIRU PSDPHQWV VRPHWLPHVFDOOHG XQHY HQ �.

Pagina 52

ook Page 52 Wednesday, June 21, 2000 5:19 PM.

Pagina 53

5: Time V alue of Money Calculations 53 5 Time V alue of Money Calculati ons Using the TVM Application 7K HWLPHYDOXHRIPRQ H790DSSOLFDWLRQ LVXVHGIRU  FRPSR XQGLQW.

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54 5: Time Value of Money Calculations 7 R YHULIYDOXHV S UHVV    DQG  3UHVVLQ J UHFDOOVWKHWRWDOQXPE HURIS DPHQWVLQHDUV DQG.

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5: Time V alue of Money Calculations 55 Begin and End Modes %HIRU HRXVWDU WD790FDOFXODWLRQLGHQWLIZK HWKHUWK H ILUVWSHU LRGLFSDPHQ WRFFXUVDWWKHEHJLQ QLQJ.

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56 5: Time Value of Money Calculations Pa r t 2 . $W D SU LFH RI  ZK DW LQ WHUHVW UDWH LVQHFHVVDU WR ORZHU RXU SDPHQWEWR" Pa r t 3 .

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5: Time V alue of Money Calculations 57 Example: A Home Mor tgage. < RXGHFLGHWKDWWKHPD[LPXPPRQ WKO PRU WJ DJHSDPHQ WRXFDQDIIR UGLV<.

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58 5: Time Value of Money Calculations Example: A Mortgage With a Balloon Pa yment. < RX·YHREWDLQHGD HDUPRUWJ DJ HDWDQQXDO�.

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5: Time V alue of Money Calculations 59 Step 2 . 6LQFHWKHSDPHQ WLVDWWKHHQGRI WKHPRQWK WKHSDVWS D PHQW DQGW KH EDOORR Q SDPHQW RFFXUDW WKH.

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60 5: Time Value of Money Calculations Savings Calculat ions Example: A Savings Accoun t. ,I  RXGHS RVLWLQDVDYLQJV DFFRXQWWKDWSDVDQ QXDO�.

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5: Time V alue of Money Calculations 61 6LQFHWKHFDOFXODWHG YDOXH RI 1 LV EHWZHHQ DQG LWZLOO WDNHVL[ HDUVRI DQQXDOFRPSRXQ GLQJWRDFKL.

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62 5: Time Value of Money Calculations Exa mpl e: An Ann ui ty A ccou nt. < RXRSW IRU DQ HDUO UHWLUHPHQ W D IWHU D VXFFHVVIXOE XVLQHVV FDUHHU< RXKDYHDFF.

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5: Time V alue of Money Calculations 63 Lease Calculat ions $OHDVHLVDORDQR IYDOXDEOHSURS HU WOLNHUHDOHVWDWHDXWRPRELOHVRU HTXLSPHQWIR UDVSHFL.

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64 5: Time Value of Money Calculations 6HWWR%HJLQPRGH3UHVV LIDQ QXQFLDWRULVQR WGLVSODHG 1RWLFHWKDWHYHQLIWKHFXVWRP HUFKRR VHVQRWWRE XWK.

Pagina 65

5: Time V alue of Money Calculations 65 Example: L ease Wit h Advance Pa y ments. < RX U FRPS DQ  4XLF N.L W  3 ROH %D U QV  S ODQVW R OHDVH D IRU NOLIW I RU�.

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66 5: Time Value of Money Calculations Step 2. $GGW KHDGGLWLRQDODGYDQFHSDPHQ WWR39 6WRU HWKHDQVZHU  Step 3. )LQGWKHSUHVH QWYDOXHRIWKHEXRSWLRQ  Step 4. $GGW KHUHVXOWVR IVWH SVDQG Keys: Display: Descrip tion: 12.

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5: Time V alue of Money Calculations 67 Amor tization $PRU WL]DWLRQ  LV WKH S URFH VVRI GLYLGLQJ D SDPHQWLQWR WKH DPRXQWWKD WDSSOLHVWR LQWHUHVWDQGWKH.

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68 5: Time Value of Money Calculations 7KH  QXPEHUV GLVSODHG IRULQWHUHVW S ULQFLS DO DQG E DODQFHDUH UR XQGHG WR WKHFXU UHQ WGLVSODVHWWLQJ  T o Amortiz e.

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5: Time V alue of Money Calculations 69 ,I RX DOUHDG NQRZ WKH PR U WJDJ H SDPHQW RX FDQ HQWHU D QG VWRUH LW MXVW OLNHRXVWRUHWKHRWKHUIR XU�.

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70 5: Time Value of Money Calculations $PRU WL]HWKHVH FRQGHDU  7KH DPRXQWS DLGWRZDUGLQWHUHVWDQGSULQFLSD O�.

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5: Time V alue of Money Calculations 71 $PRU WL]HWKH  DQG S D PH Q WV  1.00 (QWHUVILUV WSDPHQW 1– 1 'LVSODV3(5DQGWKH  DPRU WL]HGSDPHQWS HULRG –310.42 'LVSODV 35, 1 DQG WK H ILUVW SULQFLSDOS DPHQW 0.

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72 5: Time Value of Money Calculations Inte re st Ra te C on versio ns 7K H,QWHUH VW&RQYHUVLRQDSSOLFDWLR QXVHVWKU HHNHV   DQG  7KH FRQYHUW E HWZH.

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5: Time V alue of Money Calculations 73 First Bank Second Bank Third Bank )LUVW%DQNR IIHUV DVOLJKWOEHWWHUGHDOVLQ FHLVJ UHDWHUWK DQDQG .

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74 5: Time Value of Money Calculations 7 R DGMXVW DQLQWHUHVWUDWHZKHQWKH FRPSR XQGLQJSHULR G GLIIHUVIURP WKH SDPHQWSHULR GFRPS OHWHWKHIROORZLQJVWH SV�.

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6: Cash Fl ow Calculations 75 6 Cash Flow Calculations How to Use the Cash Flo w Application 7KH FDVK IOR Z DSSOL FD WLR Q LV XV HG  WR VRO Y H SUREOH PV ZKHUH FDVKI O.

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76 6: Cash Flow Calculations XXX Keys: Display: Descri ption: 0.00 &OHDUVDOOUHJLVWHU V  12.0 0 6WRUHVSHU LRGVSHU HDU –5,0 00. 00 (QWHUVLQLWLDO FDVK IORZ  'LVSODVFDVK I ORZ JU RXSQXPE HUZK LOH RXKROGGRZQ  –2,0 00.

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6: Cash Fl ow Calculations 77 NPV and IRR/YR: Discontinuing Cash Flows &KDSWHUGHPRQVWUDWHVWKHXVHRIFDVKIORZGLDJ UDPVWRFODULIILQDQ FLDO SUREOH PV 7KLV �.

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78 6: Cash Flow Calculations :KHQH YHU RXHQWHUDV HULHV RIFDV KI ORZVLWLVLPSRU WDQWWRDFFRXQ WIRU HYHUSH ULRGRQ WKHFD VKI ORZGLDJ UDP.

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6: Cash Fl ow Calculations 79 Examp le. (Q WHUWKHFDV KI ORZVIURP WKHSUHFHGLQJGLDJ U DPDQG FDOFXODWHWKH ,55 <5 7KHQFDOFXODWHWK HHIIHFWLYHLQWHUHV.

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80 6: Cash Flow Calculations 7 R UH SOD FHDFDVKI ORZDPRXQ WSUHVV  WR WRVWR UHWKHQ HZDPRXQWLQFDV KI ORZVWR WR WRV WRUHWKHQ HZ�.

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6: Cash Fl ow Calculations 81 +RZPXFKVKRXOGRXSDIRUWKHFRQ WUDFWLIRXZLVKWR LHOGDHDUO UDWHRIRQ RXULQY HVWPHQW" Ke ys: Display: Description: 0.00 &OHDUVUHJLVWHUV 12.00 6HWVSDPHQWVSHUH DU  0.

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82 6: Cash Flow Calculations 7KH FDVKI ORZVWKDWGHVFULE HRXUSUR VS HFWLY HLQY HVWPHQWDUHQRZLQ WKH FDOFXODWRU< RXFDQS UHVV IROORZHGE DQG.

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6: Cash Fl ow Calculations 83 Calcula ting Intern al Rate of Ret urn  3UHVV VWRUHQXPEHUR ISHU LRGVSHUHDU LQ 3<5   (QWHUWK HFDV KI ORZVXVL.

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84 6: Cash Flow Calculations A utomatic Storage of IRR/YR and NPV :KHQRXFDOFXODWH 139 WKHUHV XOWLVVWRUHGLQ 39 IRU RXU FRQYHQLHQFH7 RUH FDOOWKDWUHV.

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7: Statistical Calculation s 8 5 7 Statistical Calculations 7KH  DQG NHVDUH XVHGWRHQWHUDQ GGHOHWHGDWD IRUR QHDQ GWZ RYDULDEOHVWDWLVWLFV 6XPP.

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86 7: Statistical Calculations Entering Statisti cal Data 7KH UHLVQR OLPLWWRWKHQXPEHURI YDOXHVRXFDQDFFXPXODWHLQWKH VWDWLVWLFDOUHJLVWHUV  One-V a riab.

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7: Statistical Calculation s 8 7 Correcting St atistic al Data ,QFRU UHFWHQWULHVFDQEHGHOHWHG XVLQJ ,IHLWKHUY DOXHRIDQ [  S D L U  LVLQFRU U HFW�.

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88 7: Statistical Calculations Mean, Standar d Dev iations, and Summation Statist ics < RX FDQ FDOFXODWH WKH P HDQ   VDPSOH VWDQGDUG GHYLDWLRQ  6 DQG.

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7: Statistical Calculation s 8 9 Example 1. $DFKWFDSWDLQZDQWVWRGHWHU PLQHKRZORQ JLWWDNHVWR FKD QJH D VDL O  6KH UDQ GRP O F KRRV HV VL[ P HPEH .

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90 7: Statistical Calculations Linear Regression and Estimation /LQHDUUHJ UHVVLR QLV DVWDWLVWLFDO PHWKRG IRUHVWLPDWLRQDQG IRUHF DVWLQJ ,WLVXVHGWRILQGD�.

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7: Statistical Calculation s 9 1 Linear Estimation. 7KHVWUDLJK WOLQHFDOFXODWHGEOLQHDUU HJU HVVLRQ FDQ EHXVHGWRHVWLPDWHD YDOXHIRUDJLYHQ [  Y DO.

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92 7: Statistical Calculations (VWLPDWHZKDW WK H OHYHO RIVDOHVZ R XOG EH LI WKH EXVLQHVVSXUFKDVHG RU  PLQXWHVRIDGYHUWLVLQ J  +RZPDQPLQXWHVRI DGYHUWLVLQJV KRXOG$OL· VEXWRDWWDLQVDOHVR I " Keys: Display: Descriptio n: 0.

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7: Statistical Calculation s 9 3 W eighted Mean 7KHI ROORZLQJSUR FHGXUHFDOFXODWHVWKHZHLJKWHGPHDQRI GDWDSRLQWV [  [ « [ RFFXU U LQJZLWKZHLJKWV�.

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10B.book Page 94 Wednesday, June 21, 2000 5:19 PM.

Pagina 95

8: Additional Examples 95 8 Addi tional Examples Business Applications Setti ng a Sale s Price 2QHPHWKRG IR U VHWWLQJ WK H SHU XQLW VDOHV  S ULFH LV WR GHWHU PLQH W.

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96 8: Additional Exam ples Forecasting Based on Histor y 2QHPHWKR GRII RUHFDVWLQJVD OHV PDQXIDFWXULQJUD WHV RUH[SHQ VHVLV UHYLHZLQJKLVWRU LFDOWUHQGV 2QF.

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8: Additional Examples 97 Cost of Not T aking a Cash Discount $FDVKGLVFRXQWJLY HV DEXHUD UHGXFWLRQLQSULFHLIWKHSDPHQWLV PDGH ZLWKLQ D VS HFLILHG WL.

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98 8: Additional Exam ples Loans and Mor tgages Simple Ann ual Intere st Example . < RX U J RRG IULH QG QH HGV D ORDQ WR VW DUW KLV ODW HVW  HQWHUSU LVH  DQG KDV.

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8: Additional Examples 99 Examp le. < RXFXU UHQ WOKDY HLQDQDFFR XQWDW'UHDP: RUOG ,QYHVWPHQWVWKDWHDU QVDQ QXDOLQ.

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100 8: Additional Examples Example . $QLQYHVWRUZLVKHVWRS XUFKDVHDPRU WJ DJ HWDNHQ RXWDWIRUHDU V 6LQFHWKHPRU WJ.

Pagina 101

8: Additional Examples 101 Step 3 . (QWHUDFWXDOFXU UH QWY DOXHVIRU 1 DQG 39 WKHQILQ GWKHQHZ ,<5 IRU WKH G LVF RX QWH G PRUWJDJH ZL WK .

Pagina 102

102 8: Additional Examples Example: Interest -Only Loa n With Fee. $ HDU DQQXDOLQWHUHV W LQWHU HVWRQO ORDQK DV.

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8: Additional Examples 103 Loan With a P artial (Odd) Fir st P e riod 790FDOFXODWLRQVDS SOWRI LQDQFLDOWUDQV DFWLRQV ZKHUHHDFKS DPHQW SHULRGLVWKHV DPHOHQJWK �.

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104 8: Additional Examples A utom obi le Lo a n Example . < RXDUHEXLQJDQ HZVHGDQ< RXUGRZQS DPHQW LVDQGRX.

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8: Additional Examples 105 &DOFXODWHWKHVHFR QGRSWLRQ  7KHI LUVWRS WLRQFRVWVVOLJK WOOHVV  Canadian Mor tgages ,Q&DQ DGLDQPRU WJ DJHVWKHFRPS RXQGLQJ�.

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106 8: Additional Examples What if … TVM Calculations 2QHRI WKHPRV WY DOXDEOHDVS HFWVRIWKH+3 %,,· V790DSSOLFDWLR QLV WKHHDVHZLWKZKLFKLWKD.

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8: Additional Examples 107 Pa r t 2 . < RXU FRPSDQ · VUHJXODUSDUROOLVJ HQHUDWHGHYHU R WKHU)ULGD  7KHEDQN DJUH HV W R DXWRPDWLFDOO GUDZ SDPHQWVRI�.

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108 8: Additional Examples Sa vings Sav ing f or College Costs 6XSSRVHRXVWDU WVDYLQJQ RZWRDFFRPPRGDWHDI XWXUHVHULHVR IFDVK  RXWI ORZV $QH[DPSOHRIWK L.

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8: Additional Examples 109 :KHQFRP SRXQ GLQJRFFXUVRQORQFHSHUHDUWKHHIIHFWLY HUDWHDQGWKH QRPLQD OUDWHDUHWKHV DPH 6HWWR%HJLQPR GH3UHVV.

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110 8: Additional Examples 6HWWR(QGPRGH3UHVV LI BEGI N DQQXQFLD WRULVGLVS ODHG Gains That Go Untaxed Until Withdra wal < RXFDQXVHWKH790 DSSOLFDWLR.

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8: Additional Examples 111 6HWWR%HJLQPR GH3UHVV LI BEGI N DQQXQFLDWRULVQ RWGLVSODHG Ke ys: Display: Description: 1.00 6HWVSDPHQWSHU HDU  35.00 8.18 6W RUHV Q X PEHU RI SHULRGVDQ GLQWHUHVW UDWH 0.

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112 8: Additional Examples V alue of a T axable Retirement Account 7KLV SUREOHP XVHVWKH790 DSSOLFDWLRQ WRFDOFXODWH WKHIXWXUHY DOXH RID WD[DEOHUHWLUHPH QWDF.

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8: Additional Examples 113 Cash Flow Exampl es Wrap-Around Mortgages $ Z UDS DURXQG PRU WJ DJHLV D FRPELQ DWLRQRI UHI LQDQ FLQJ D PR U WJDJ H DQG ERU U RZLQJDJDL.

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114 8: Additional Examples 7KH QWRFDOFXODWHWKHOHQ GHU· VUHWXU QHQWHU FDVKI ORZVWKDW UH SUHV HQWWKH FRPSOHWH SLFWXUHRIWKH ZUDS DURXQGPRU WJD.

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8: Additional Examples 115 Net Future V alue 7KHQH WIXWXUHY DOXHFDQEHFDOFXODWHGEXVLQJWKH790N HVWR VOL GH WKH QHWSUHVHQ WYDOXH 139 IR UZDUGRQWKH FDVKI ORZGLDJ UDP Example: V alue of a Fund.

Pagina 116

116 8: Additional Examples CF6 –2,0 00. 00 (QW HUV FDVK I OR Z JURXS  8.80 6WRUHVDQQXDOLQWHU HVW UDWH –29,203. 14 &DOFXODWHVQH WSUHVHQW YDO X H   139  DXWRPDWLFDOOVWRU HGDV 39  24.

Pagina 117

A: Assistance, Batteries, and Service 11 7 A Assistance , Batteries, and Ser vice +HZOHWW3DFNDUGLVFRPPLWWHGWRSURYLGLQJRXZLWKRQJ R LQJVXSSR U W < RXFDQREWDLQ �.

Pagina 118

118 A: Assist ance, Batteries, and Service Q: :KDWGRHVDQ´(µLQD QXPEHUIR UH[DP SOH(²PHDQ" A: ([SRQHQ WRI WHQI RUH[DPS OH�.

Pagina 119

A: Assistance, Batteries, and Service 11 9 P ower and Bat teries 7KHFD OFXODWRULVS RZHUHGEWZ R YROWOLWKLXPEXWWRQFHOO EDW WH ULH V  :KHQFKDQ JLQJEDWWHULH V .

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120 A: Assist ance, Batteries, and Service  5H PRY HERW KE DW WH UL HV   , QV HU WWKH QHZE DWWHULHVPDNLQJVXUHWKDWWKHSR V LWLY HV LJQ R.

Pagina 121

A: Assistance, Batteries, and Service 12 1 Determ ining if the Ca lculator Require s Ser vic e 8VHWKHVHJXLGHOLQ HVWRGHWHU P LQHLIWKH FDOFXODWRUUHTXLU HVVHU YLFH ,I .

Pagina 122

122 A: Assist ance, Batteries, and Service The calculator r esponds to keystro kes but you suspect th at it is malfunctioning:  ,WLVOLNHOWKDWRX·Y HPDGHDPLVWDNHLQRSHU .

Pagina 123

A: Assistance, Batteries, and Service 12 3 6RPHVWDWHV SURYLQFHV  RU FRXQWULHVGR QR W DOORZ OLP LWDWLRQ VRQ KRZ OR QJ DQLPSOLHGZDU UDQ WODVWVVR�.

Pagina 124

124 A: Assist ance, Batteries, and Service ,IORFDOVH U YLFHLVXQ DY DLODEOHRXFDQVKLSWKHFD OFXODWRUWRDQ  DXWKRUL]HG+3 VHU YLFHFHQWHUIRU UH SDLU $.

Pagina 125

A: Assistance, Batteries, and Service 12 5 Service A greement s ,QWKH8 6 DVXS SRU WDJ UHHPHQ WLVDY DLODEOHIRU UH SDLUDQG VHU YLFH 5 HIHUWRWKHI .

Pagina 126

126 A: Assist ance, Batteries, and Service Japan Disposal of W aste Equipment by User s in Private Household in the Euro pean Uni on This symbol on the product or on its pac kaging indicates that this pr oduct m ust not be disp osed of wit h you r other household w aste .

Pagina 127

A: Assistance, Batteries, and Service 12 7 during the w arr anty period, HP will replace software media whic h does not execute its program ming instr uctions due to such defects . 3. HP does not warrant that the operation of HP products will be uninterr upted or error free.

HP 10BII handleiding

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