HP 10bII hp 10bii_user's guide_English_E_HDPMF102E11.pdf
HP 10bII - Financial Calculator Manual
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- HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 1
hp 10BII financial calculator user's guide Edition 1 HP part number F1902-90001 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 2
YOUR PRODUCT AT: www.register.hp.com 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 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 3
Welcome to the HP 10BII Hewlett-Packard Quality Welcome to the HP 10BII 3 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 4
Features 4 Welcome to the HP 10BII - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 5
Contents 11 At a Glance... 11 12 13 14 15 16 17 18 19 21 1 23 Getting Started 23 23 23 25 25 25 25 26 27 27 28 28 28 29 30 30 31 31 32 32 Contents 5 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 6
2 33 Business Percentages 33 33 34 34 35 35 35 36 3 37 Number Storage and Arithmetic 37 37 39 40 41 42 43 43 4 45 Picturing Financial Problems 45 46 47 47 47 48 49 49 49 51 6 Contents - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 7
5 53 Time Value of Money Calculations 53 54 55 55 60 63 67 72 72 73 6 75 Cash Flow Calculations 75 77 77 78 79 80 83 84 7 85 Statistical Calculations 85 86 86 86 87 87 87 87 88 90 93 Contents 7 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 8
8 95 Additional Examples 95 95 96 97 98 98 98 99 101 103 104 105 106 108 108 110 112 113 113 115 A 117 Assistance, Batteries, and Service 117 118 119 119 119 119 121 122 122 122 123 8 Contents - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 9
123 123 124 124 124 125 125 126 B 129 More About Calculations 129 129 130 130 131 Σ 131 132 132 132 132 133 134 135 C 137 Messages 139 Index Contents 9 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 10
- HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 11
At a Glance... Basics-At a Glance... Keys: [orange label] Display: 0.00 0.00 0.00 12_ 0.00 0.00 0.00 Description: SHIFT At a Glance... 11 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 12
Percentages-At a Glance... Keys: Display: 17.50 20.13 15.00 22.00 31.82 20.00 33.00 26.60 Description: 12 At a Glance... - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 13
Memory Keys-At a Glance... Keys: Display: 7.00 119.00 154.00 175.00 519.00 0.00 519.00 Description: At a Glance... 13 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 14
Time Value of Money (TVM)-At a Glance... Keys: BEGIN Display: 12.00 360.00 10.00 14,000.00 0.00 -122.86 Description: 14 At a Glance... - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 15
TVM What if...-At a Glance... Keys: Display: -100.00 11,395.08 9.50 11,892.67 10.00 14,000.00 -122.86 Description: At a Glance... 15 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 16
Amortization-At a Glance... BAL PRIN INT Keys: Display: 20.00 20 - 20 -7.25 -115.61 13,865.83 12_ 1 - 12 -77.82 -1,396.50 13,922.18 Description: 16 At a Glance... - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 17
Interest Rate Conversion-At a Glance... Keys: Display: 10.00 12.00 10.47 Description: At a Glance... 17 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 18
IRR/YR and NPV-At a Glance... Keys: Display: 0.00 12.00 -40,000.00 4,700.00 7,000.00 2.00 23,000.00 15.96 1.33 Description: 18 At a Glance... 10.00 622.85 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 19
Statistics-At a Glance... Σ x-data 2 4 6 y-data 50 90 160 At a Glance... 19 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 20
Keys: Display: 0.00 1.00 2.00 3.00 4.00 100.00 2.00 55.68 -10.00 27.50 3.00 1,420.00 Description: yˆ Σ 20 At a Glance... - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 21
value of money (page 53) 2. Separate two numbers (page 28) 3. Percent (page 33) 4. Constant (page 37) 5. Store and recall (page 40) 6. Change sign 86) 17. Cash flows (page 75) 18. Business functions: margin, markup, cost, price (page 35) 19. Interest conversion (page 72) 20. Amortization (page 67) - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 22
- HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 23
1 Getting Started Power On and Off Adjusting the Display Contrast Simple Arithmetic Calculations Arithmetic Operators. . 1: Getting Started 23 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 24
Keys: Display: 87.18 240.92 356.42 36.92 40.57 13.00 39.00 Negative Numbers. Keys: Display: -75_ -25.00 Description: Description: 24 1: Getting Started - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 25
Understanding the Display and Keyboard Cursor Clearing the Calculator Clearing Messages. Clearing Memory Keys Description All Clear 1: Getting Started 25 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 26
Annunciators Annunciator SHIFT STATS PEND BEGIN INPUT AMORT BAL INT PRIN PER C-FLOW CF N ERROR TVM 26 1: Getting Started Status - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 27
Annunciator FULL STAT FUNC STAT Shift Key Status (Continued) ERROR SHIFT Statistics Key STATS SHIFT STATS 1: Getting Started 27 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 28
INPUT Key SWAP Key Math Functions One-Number Functions. Keys: Display: 9.45 0.42 3.99 Description: 28 1: Getting Started - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 29
Two-Number Functions. INPUT Keys: Display: 17.00 29_ 70.59 Description: INPUT Display Format of Numbers 1: Getting Started 29 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 30
Specifying Displayed Decimal Places Keys: Display: 0.00 0.000 5.727 5.727360000 5.73 Description: Scientific Notation 30 1: Getting Started - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 31
Displaying the Full Precision of Numbers Keys: Display: 1.43 142857142857 Description: Interchanging the Period and Comma 1: Getting Started 31 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 32
Rounding Numbers Keys: Messages Display: 9.87654321_ Description: 9.88 987654321000 9.88 988000000000 32 1: Getting Started - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 33
2 Business Percentages Percent Key Finding a Percent Example. Keys: Display: 200.00 0.25 50.00 Description: 2: Business Percentages 33 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 34
Adding or Subtracting a Percent Example. Keys: Example. Keys: Display: 200.00 50.00 150.00 Display: 87.50 1,337.50 Description: Description: Percent Change Keys: Example. Display: 291.70 8.60 Example. Keys: Display: 60.00 38.33 34 2: Business Percentages Description: Description: - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 35
Margin and Markup Calculations Application Keys , , , , Description Margin Calculations Example. Keys: Display: 255.00 300.00 15.00 Markup on Cost Calculations Example. Description: Keys: Display: 19.00 60.00 30.40 Description: 2: Business Percentages 35 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 36
Using Margin and Markup Together Example. Keys: Display: 9.60 15.00 11.04 13.04 Description: 36 2: Business Percentages - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 37
3 Number Storage and Arithmetic Using Stored Numbers in Calculations Using Constants 3: Number Storage and Arithmetic 37 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 38
Keys Operation Example. Keys: Example. Keys: Example. Keys: Display: 2.00 7.00 8.00 9.00 Display: 1.00 11.00 12.10 27.50 Display: 3.00 8.00 38 3: Number Storage and Arithmetic Description: Description: Description: - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 39
64.00 Using the M Register Keys Description Example. Keys: Display: 17.00 14.25 16.95 -4.65 43.55 Description: 3: Number Storage and Arithmetic 39 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 40
Using Numbered Registers Keys: 4---7---5---.--639.15 5---6---0---.--1----+-----4---7---5---.--639.15 Display: 475.60 Description: 39.15 12.15 475.60 39.15 26.45 40 3: Number Storage and Arithmetic - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 41
Doing Arithmetic Inside Registers Keys New Number in Register Example. Keys: Display: 45.70 2.50 114.25 Description: 3: Number Storage and Arithmetic 41 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 42
Doing Arithmetic Example. Keys: Example. Keys: Display: 0.25 4.47 51.67 1.21 52.88 Display: 12.18 2.50 24.00 814.00 Description: √ √ Description: 42 3: Number Storage and Arithmetic - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 43
Power Operator Example. Keys: Display: 1,953,125.00 5.00 Description: Using Parentheses in Calculations × 3: Number Storage and Arithmetic 43 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 44
Keys: ÷ Display: 85.00 73.00 0.41 3.70 ÷ Description: ÷ 44 3: Number Storage and Arithmetic - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 45
4 Picturing Financial Problems How to approach a Financial Problem 4: Picturing Financial Problems 45 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 46
Signs of Cash Flows 46 4: Picturing Financial Problems - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 47
Periods and Cash Flows Simple and Compound Interest Simple Interest 4: Picturing Financial Problems 47 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 48
Compound Interest 48 4: Picturing Financial Problems - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 49
Interest Rates Two Types of Financial Problems Recognizing a TVM Problem 4: Picturing Financial Problems 49 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 50
50 4: Picturing Financial Problems - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 51
Recognizing a Cash Flow Problem 4: Picturing Financial Problems 51 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 52
- HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 53
5 Time Value of Money Calculations Using the TVM Application 5: Time Value of Money Calculations 53 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 54
Key Stores or Calculates BEGIN Clearing TVM 54 5: Time Value of Money Calculations - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 55
Begin and End Modes BEGIN Loan Calculations Example: A Car Loan. Part 1. BEGIN 5: Time Value of Money Calculations 55 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 56
Keys: Part 2. Part 3. Display: 12.00 36.00 10.50 13,000.00 0.00 -422.53 Description: -372.53 2.03 10.50 -375.00 11,537.59 13,037.59 56 5: Time Value of Money Calculations - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 57
Example: A Home Mortgage. Keys: BEGIN Display: 12.00 360.00 0.00 7.50 -930.00 133,006.39 145,006.39 Description: 5: Time Value of Money Calculations 57 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 58
Example: A Mortgage With a Balloon Payment. Step 1. Keys: BEGIN Display: 12.00 300.00 0.00 172,500.00 8.80 -1,424.06 Description: 58 5: Time Value of Money Calculations - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 59
Step 2. Keys: Display: -1,424.06 48.00 -163,388.39 -164,812.45 Description: 5: Time Value of Money Calculations 59 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 60
Savings Calculations Example: A Savings Account. Keys: Display: 0.00 1.00 -2,000.00 3,000.00 7.20 5.83 Description: 60 5: Time Value of Money Calculations - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 61
6.00 3,035.28 Example: An Individual Retirement Account. BEGIN 5: Time Value of Money Calculations 61 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 62
Keys: Display: 24.00 -2,000.00 -80.00 6.30 360.00 52,975.60 Example: An Annuity Account. Description: 62 5: Time Value of Money Calculations - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 63
Keys: Display: 12.00 -400,000.00 7.00 600.00 0.00 2,392.80 Description: Lease Calculations Example: Calculating a Lease Payment. 5: Time Value of Money Calculations 63 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 64
Keys: Display: 12.00 10.00 -13,500.00 7,500.00 36.00 253.99 Description: 64 5: Time Value of Money Calculations - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 65
Example: Lease With Advance Payments. Step 1 5: Time Value of Money Calculations 65 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 66
Keys: Step 2. Step 3. Step 4. Keys: Display: 12.00 47.00 -2,400.00 0.00 9.00 95,477.55 Description: 97,877.55 97,877.55 48.00 0.00 -15,000.00 10,479.21 Display: 108,356.77 Description: 66 5: Time Value of Money Calculations - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 67
Amortization 5: Time Value of Money Calculations 67 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 68
To Amortize. INT BAL PER PER PRIN Example: Amortizing a Range of Payments. BEGIN 68 5: Time Value of Money Calculations - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 69
Keys: Display: 12.00 360.00 7.75 180,000.00 0.00 -1,289.54 Description: 12_ 1- 12 -1,579.82 -13,894.66 178,420.18 5: Time Value of Money Calculations 69 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 70
13- 24 -1,706.69 -13,767.79 176,713.49 Example: Amortizing a Single Payment. Keys: Display: 12.00 60.00 11.50 14,250.00 0.00 -310.42 Description: 70 5: Time Value of Money Calculations - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 71
1.00 1- 1 -310.42 0.00 13,939.58 25.00 25- 25 -220.21 -90.21 9,193.28 54.00 54- 54 -290.37 -20.05 1,801.57 5: Time Value of Money Calculations 71 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 72
Interest Rate Conversions Investments With Different Compounding Periods Example: Comparing Investments. 72 5: Time Value of Money Calculations - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 73
First Bank Keys: Second Bank Third Bank Display: 6.70 4.00 6.87 6.65 12.00 6.86 6.63 360.00 6.85 Description: Compounding and Payment Periods Differ 5: Time Value of Money Calculations 73 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 74
Example: Monthly Payments, Daily Compounding. Step 1. Keys: Display: 5.00 365.00 5.13 12.00 5.01 Description: Step 2. 0.00 -25.00 84.00 2,519.61 74 5: Time Value of Money Calculations - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 75
6 Cash Flow Calculations How to Use the Cash Flow Application Example: A Short Term Investment. 6: Cash Flow Calculations 75 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 76
XXX Keys: Display: 0.00 12.00 -5,000.00 -2,000.00 -4,000.00 11,765.29 38.98 3.25 Description: 76 6: Cash Flow Calculations - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 77
NPV and IRR/YR: Discontinuing Cash Flows Organizing Cash Flows 6: Cash Flow Calculations 77 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 78
Entering Cash Flows 78 6: Cash Flow Calculations - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 79
Example. Keys: Display: 0.00 12.00 -11,000.00 Description: 0.00 6.00 1,000.00 3.00 10,000.00 21.22 Viewing and Replacing Cash Flows 6: Cash Flow Calculations 79 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 80
Calculating Net Present Value Example: A Discounted Contract, Uneven Cash flows. End of Month Amount 80 6: Cash Flow Calculations - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 81
Keys: Display: 0.00 12.00 0.00 Description: 0.00 3.00 5,000.00 0.00 4.00 5,000.00 2.00 0.00 4.00 7,500.00 0.00 6: Cash Flow Calculations 81 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 82
Keys: Display: 9.00 10,000.00 Description: Keys: Display: 15.00 27,199.92 Description: 82 6: Cash Flow Calculations - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 83
Calculating Internal Rate of Return Example. No Solution Keys: Display: -28,000.00 12.49 Description: 6: Cash Flow Calculations 83 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 84
Automatic Storage of IRR/YR and NPV 84 6: Cash Flow Calculations - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 85
7 Statistical Calculations Σ Σ ΣΣ Σ Clearing Statistical Data 7: Statistical Calculations 85 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 86
Entering Statistical Data One-Variable Statistics Two-Variable Statistics and Weighted Mean If statistical data causes the value of a register to exceed ±9.99999999999 × 10499, the HP 10BII displays a temporary overflow warning (OFLO). 86 7: Statistical Calculations - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 87
Correcting Statistical Data Correcting One-Variable Data Correcting Two-Variable Data Summary of Statistical Calculations STAT Keys Description to Display 7: Statistical Calculations 87 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 88
Keys Description to Display Keys Description Mean, Standard Deviations, and Summation Statistics σ Σ Σ ΣΣ Σ 88 7: Statistical Calculations - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 89
Example 1. Keys: ∑x2 ⁄ n Display: 0.00 1.00 2.00 3.00 4.00 5.00 6.00 3.50 0.85 77.13 6.00 3.59 Description: Σ Example 2. 7: Statistical Calculations 89 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 90
Keys: Display: 0.00 1.00 2.00 3.00 4.00 184.25 82.75 5.80 4.71 331.00 Description: Linear Regression and Estimation Linear Regression. 90 7: Statistical Calculations - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 91
Linear Estimation. Example: Forecasting. Week Minutes of Advertising (x-values) Sales (y-values) 7: Statistical Calculations 91 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 92
Keys: Display: 0.00 1.00 2.00 3.00 4.00 5.00 6.00 376.25 425.88 0.90 Description: 3,357.38 3,783.25 6.16 92 7: Statistical Calculations - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 93
Weighted Mean Example. Keys: Display: 0.00 1.00 2.00 3.00 4.00 509.44 Description: 7: Statistical Calculations 93 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 94
- HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 95
8 Additional Examples Business Applications Setting a Sales Price Example. Keys: ÷ Display: 40,000.00 20.00 24.00 ÷ Description: 8: Additional Examples 95 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 96
Forecasting Based on History Example. Keys: Year 1 2 3 4 5 Display: 0.00 1.00 Sales $ 10,000 11,210 13,060 16,075 20,590 Description: 2.00 3.00 4.00 5.00 22,000.50 24,605.00 96 8: Additional Examples - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 97
Cost of Not Taking a Cash Discount Example. Keys: Display: 72,000.00 98.00 36.73 Description: 8: Additional Examples 97 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 98
Loans and Mortgages Simple Annual Interest Example. Keys: Display: 0.10 7.40 457.40 Description: Continuous Compounding = (( ÷ )- )× 98 8: Additional Examples - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 99
Example. Keys: Display: 0.18 1.20 19.72 19.72 12.00 18.14 Description: BEGIN 180.00 -250.00 -4,572.80 297,640.27 Yield of a Discounted (or Premium) Mortgage 8: Additional Examples 99 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 100
Example. Step 1. Keys: Step 2. Keys: BEGIN Display: 12.00 9.00 240.00 -100,000.00 0.00 899.73 Description: Display: 899.73 60.00 88,706.74 Description: 100 8: Additional Examples - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 101
Step 3. Keys: Display: 18.00 -79,000.00 20.72 Description: Annual Percentage Rate for a Loan With Fees Example: APR for a Loan With Fees. Keys: BEGIN Display: 12.00 8.50 360.00 160,000.00 Description: 8: Additional Examples 101 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 102
0.00 -1,230.26 160,000.00 156,800 8.72 Example: Interest-Only Loan With Fee. Keys: BEGIN Display: 12.00 12.00 120.00 1,000,000.00 -1,000,000.00 Description: -10,000.00 1,000,000.00 970,000.00 12.53 102 8: Additional Examples - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 103
Loan With a Partial (Odd) First Period Example. Keys: BEGIN Display: 12.00 15.00 1.25 0.67 30.00 4,530.00 Description: 8: Additional Examples 103 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 104
36.00 0.00 -157.03 Automobile Loan Example. Keys: BEGIN Display: 12.00 36.00 12,500.00 0.00 3.50 -366.28 -13,185.94 Description: 104 8: Additional Examples - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 105
Keys: Display: 11,500.00 9.50 -368.38 -13,261.64 Description: Canadian Mortgages Example. Keys: Display: 12.00 2.00 12.36 12.00 11.71 130,000 360.00 -1,308.30 Description: 8: Additional Examples 105 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 106
What if ... TVM Calculations Example. Part 1. Keys: BEGIN Display: 12.00 735,000.00 11.20 360.00 0.00 -7,110.88 Description: 106 8: Additional Examples - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 107
Part 2. Part 3. Keys: -3,555.00 26.00 514.82 19.80 Display: 12.00 180.00 -8,446.53 -1,520,374.70 -785,374.70 Description: 8: Additional Examples 107 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 108
Savings Saving for College Costs Example. Keys: Display: BEGIN 9.00 12.00 Description: 9.38 108 8: Additional Examples - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 109
9.38 1.00 BEGIN 15,000.00 4.00 0.00 -52,713.28 8: Additional Examples 109 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 110
BEGIN 52,713.28 0.00 12.00 144.00 9.00 -204.54 Gains That Go Untaxed Until Withdrawal Example. 110 8: Additional Examples - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 111
Keys: BEGIN Display: 1.00 35.00 8.18 0.00 -2,000.00 387,640.45 -70,000.00 Description: 317,640.45 47,646.07 339,994.39 339,994.39 -86,159.84 8: Additional Examples 111 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 112
Value of a Taxable Retirement Account Example. Keys: BEGIN Display: 1.00 35.00 Description: 5.89 5.89 0.00 -3,000.00 345,505.61 -87,556.47 112 8: Additional Examples - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 113
Cash Flow Examples Wrap-Around Mortgages Example. Keys: BEGIN Display: 0.00 12.00 82,510.22 9.50 0.00 180.00 -861.59 Description: 8: Additional Examples 113 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 114
Keys: Display: CF0 -35,000.00 CF1 107.59 n1 82.00 CF2 861.59 n2 98.00 10.16 114 8: Additional Examples Description: - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 115
Net Future Value Example: Value of a Fund. Keys: BEGIN Display: 12.00 CF0 -12,000.00 CF1 0.00 n1 2.00 CF2 -3,000.00 n2 3.00 n3 9.00 CF4 -7,500.00 n5 3.00 Description: 8: Additional Examples 115 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 116
CF6 -2,000.00 8.80 -29,203.14 24.00 0.00 34,800.58 116 8: Additional Examples - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 117
A Assistance, Batteries, and Service Answers to Common Questions Q: A: Q: A: Q: A: A: Assistance, Batteries, and Service 117 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 118
Q: A: Q: No Solution A: Q: A: Q: PEND A: Q: INPUT A: Q: A: Environmental Limits Noise Declaration. 118 A: Assistance, Batteries, and Service - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 119
Power and Batteries Low Power Annunciator All Clear Battery Specifications Installing Batteries Accessing the battery compartment A: Assistance, Batteries, and Service 119 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 120
Warning 120 A: Assistance, Batteries, and Service - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 121
Calculator Requires Service The calculator won't turn on (nothing is in the display): All Clear Resetting the calculator Erasing the calculator's memory All Clear The calculator doesn't respond to keystrokes (nothing happens when you press the keys): All Clear A: Assistance, Batteries, and Service - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 122
The calculator responds to keystrokes but you suspect that it is malfunctioning: Limited One-Year Warranty What Is Covered What Is Not Covered 122 A: Assistance, Batteries, and Service - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 123
Consumer Transactions in the United Kingdom If the Calculator Requires Service Obtaining Service In the United States: In Europe: In other countries: A: Assistance, Batteries, and Service 123 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 124
Service Charge Shipping Instructions Warranty on Service 124 A: Assistance, Batteries, and Service - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 125
Service Agreements Regulatory Information U.S.A. Canada A: Assistance, Batteries, and Service 125 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 126
to you that HP software will not fail to execute its programming instructions after the date of purchase, for the period specified above, due to defects in material and workmanship when properly installed and used. If HP receives notice of such defects 126 A: Assistance, Batteries, and Service - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 127
the purchase price upon prompt return of the product. 4. HP products may HP, (c) unauthorized modification or misuse, (d) operation outside of the published environmental specifications for the product, or (e) improper site preparation or maintenance. 6. Hewlett-Packard Batteries, and Service 127 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 128
- HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 129
B More About Calculations IRR/YR Calculations Possible Outcomes of Calculating IRR/YR Case 1. Case 2. Pos Irr Also Case 3. Case 4. Not Found B: More About Calculations 129 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 130
Case 5. No Solution Halting and Restarting IRR/YR Interrupted Entering a Guess for IRR/YR 130 B: More About Calculations - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 131
Effect of Using Σ- to Correct Data Range of Numbers OFLO UFLO UFLO B: More About Calculations 131 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 132
Equations Margin and Markup Calculations = - × = - × Time Value of Money (TVM) = I/YR P/YR 0 = PV + + S-- × PMT × - -N ------- + FV × 1 + -N Amortization Σ Σ i 132 B: More About Calculations - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 133
Σ Σ Σ Σ Interest Rate Conversions = 1 + P ⁄ YR - × B: More About Calculations 133 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 134
Cash-Flow Calculations ∑ nl 1≤l - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 135
2 - Sy = ∑ y y---)--2 - 2 ∑ y y---)--2 σx y r x---y x----n y ∑ x2 - -(--∑---n--x---)--2 ∑ y2 - -(--∑---n--y---)--2 m = -∑----x---y x---n y-- ∑ x2 - -(--∑-----x---)--2 n b = y - mx xˆ = -y---------b-- yˆ = mx + b m B: More About Calculations 135 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 136
- HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 137
Messages All Clear COPR HP 2000 Interrupted No Solution Not Found OFLO Pos Irr Also C C: Messages 137 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 138
running UFLO 138 C: Messages - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 139
Index Special Keys , , , A AMORT - , B BAL , , Index 139 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 140
BEGIN , D C , E , - CF C-FLOW , , 140 Index ERROR F , - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 141
FULL FUNC , G I INT , K-L , , M N N Index 141 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 142
O P PEND PER , , , , PRIN Q R , , , , , S , 142 Index - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 143
SHIFT T , STAT , , , , , - TVM U W , X Y Index 143 - HP 10bII | hp 10bii_user's guide_English_E_HDPMF102E11.pdf - Page 144
hp
10BII financial calculator
user’s guide
Edition 1
HP part number
F1902-90001