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HP 30b HP 20b Business Consultant and HP 30b Business Professional User's Guid - Page 2

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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, noninfringement 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 ii

Section	Page
Legal Notice	2
HP 20b Business Consultant	3
HP 30b Business Professional	4
Keyboard Map Legend	5
Table of Contents	7
Basic Features	9
Welcome to your new HP Financial Calculator	9
Turning the Calculator On and Off	9
Selecting a Language	9
Adjusting the Display Contrast	9
Cursor	10
Two Line Display	10
The Mode Menu: Setting Preferences	10
Changing the Calculation Mode	12
Key Presses, the Shift Key, Secondary, and Tertiary Functions*	12
Annunciators	14
The Input Key	14
The Equals Key	14
Using the Input and Equals Keys	14
Editing and Clearing Entries	15
The On/CE Key	15
The Reset Menu	15
Notes about Special Menus	16
Memory and the Memory Menu	16
Accessing Menus and Menu Maps	16
Mathematical Calculations	19
Mathematical Functions	19
Number Entry and Display	19
Chain Mode	20
Algebraic Mode	20
Reverse Polish Notation (RPN) Mode	21
The RPN Stack	21
Last Number	22
One-Number Functions and the Math Menu	26
Random number	27
The Math Menu	27
The Probability Sub-menu	29
Binomial Functions	31
Two-Number Functions	31
Storing and Recalling Numbers	32
Recall Arithmetic	32
Storing and Recalling with Time Value of Money (TVM) Keys	32
Recalling a Menu Item Value in a Menu	33
Recalling and Storing Values in the Data and Cash Flow Menus	33
Rounding Numbers	33
Percentages	33
Time Value of Money	35
Time Value of Money (TVM) Keys	35
Calculating Payments on a Loan	36
Amortization	37
Creating an Amortization Schedule	39
Interest Conversion Menu	41
Using the Interest Conversion Menu	42
Canadian Mortgages: TVM Canada	43
Canadian Mortgage Example	44
Cash Flows	45
Cash Flow Example	46
Analyzing Cash Flows	49
Editing Cash Flows	52
Modified Internal Rate of Return (MIRR) and Financial Management Rate of Return (FMRR)*	52
Sample Cash Flow Diagrams	54
Bonds	55
The Bond Menu	56
Bond Calculation Example	57
Black-Scholes Calculation Menu*	59
The Black-Scholes Menu	60
Black-Scholes Example	62
Date Calculation	65
The Date Calculation Menu	65
Date Calculation Example	65
Break-even	67
The Break-even Menu	67
Break-even Example	67
Business Problems	69
The Percent Calculation Menu	69
Percent Calculation Examples	70
Depreciation	73
The Depreciation Menu	74
Depreciation Example	75
Statistical Operations	77
The Data and Stats Menus	78
Statistics Example	80
Programming	83
Programming the HP 30b	83
Key Presses for Program Instructions	83
Programming Example	85
Program Step 0	86
Reassigning Menu Functions	87
The Program Menu and Program Editing	88
Tests and Jump Functions	89
Long Programs and Battery Life	90
Sub-Function Call	90
Other Programming Functions	91
Messages	92
Debugging a Program	93
Saving, Restoring, and Modifying Mode Settings	94
Solve	95
Error Messages	97
Error Messages and Calculator Status	97
Warranty, Regulatory, and Contact Information	99
Replacing the Batteries	99
HP Limited Hardware Warranty and Customer Care	99
General Terms	99
Regulatory Information	100
Federal Communications Commission Notice	100
Modifications	101
Declaration of Conformity for Products Marked with FCC Logo, United States Only	101
Canadian Notice	101
Avis Canadien	101
European Union Regulatory Notice	101
Japanese Notice	102
Korean Notice	102
Disposal of Waste Equipment by Users in Private Household in the European Union	102
Perchlorate Material - special handling may apply	103
Customer Care	103
Contact Information	103

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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.

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