HP 39GS hp 39gs_user's guide_English_E_HDPMG39AE13.pdf - Page 147
beginning, compounding period, Using the Finance Solver
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flow diagram shows lease payments at the beginning of each period. PV Capitalized } value of lease 1 2 345 PMT PMT PMT PMT PMT FV The following cash flow diagram shows deposits into an account at the end of each period. FV 1 2 345 PMT PMT PMT PMT PMT PV As these cash-flow diagrams imply, there are five TVM variables: N I%YR PV The total number of compounding periods or payments. The nominal annual interest rate (or investment rate). This rate is divided by the number of payments per year (P/YR) to compute the nominal interest rate per compounding period -- which is the interest rate actually used in TVM calculations. The present value of the initial cash flow. To a lender or borrower, PV is the amount of the loan; to an investor, PV is the initial investment. PV always occurs at the beginning of the first period. Using the Finance Solver 12-3