HP -10B Owner's Manual

Business calculator

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Table of Contents

1
Contents
3
Notice
4
Features
7
At a Glance
7
Basics
7
Percentages
8
Memory Keys
8
Time Value of Money
9
TVM What if
9
Amortization
10
Interest Rate Conversion
10
IRR/YR and NPV
11
Statistics
12
Getting Started
12
Power on and off
12
Adjusting the Display Contrasy
13
Understanding the Display and Keyboard
13
Cursor
13
Clearing the Calculator
13
Clearing Memory
14
Annunciators
14
Input Key
14
SWAP Key
14
Math Functions
15
Display Format of Numbers
15
Specifying Displayed Decimal Places
15
Scientific Notation
16
Displaying the Full Precision of Numbers
16
Interchanging the Period and Comma
16
Messages
17
Business Percentages
17
Percent Key
17
Finding a Percent
18
Adding or Subtracting a Percent
18
Percent Change
18
Margin and Markup Calculations
19
Number Storage and Arithmetic
19
Markup on Cost Calculations
19
Using Margin and Markup Together
19
Using Constants
20
Using the M Register
21
Using Numbered Registers
21
Doing Arithmetic Inside Registers
22
Doing Arithmetic
22
Power Operator
22
Using Parentheses in Calculations
23
Picturing Financial Problems
23
How to Approach a Financial Problem
24
Periods and Cash Flows
24
Simple and Compound Interest
24
Signs of Cash Flows
25
Interest Rates
25
Two Types of Financial Problems
25
Compound Interest
25
Recognizing a TVM Problem
26
Recognizing Cash Flow Problem
27
Time Value of Money Calculations
27
Using the TVM Application
28
Clearing TVM
28
Begin and End Modes
28
Load Calculations
31
Savings Calculations
32
An Individual Retirement Account
32
An Annuity Account
33
Lease Calculations
36
Amortizing a Range of Payments
37
Interest Rate Conversions
38
Compounding and Payment Periods Differ
39
Cash Flow Calculations
39
How to Use the Cash Flow Application
40
NPV and IRR/YR: Discounting Cash Flows
40
Organizing Cash Flows
41
Entering Cash Flows
41
Viewing and Replacing Cash Flows
42
Calculating Net Present Value
43
Calculating Internal Rate of Return
44
Statistical Calculations
44
Automatic Storage of IRR/YR and NPV
44
Clearing Statistical Data
45
Entering Statistical Data
45
Correcting Statistical Data
45
One-Variable Statistics
45
Correcting One-Variable Data
46
Summary of Statistical Calculations
46
Mean, Standard Deviations, and Summation Statistics
47
Linear Regression and Estimation
49
Additional Examples
49
Weighted Mean
49
Business Applications
49
Setting a Sales Price
50
Loans and Mortgages
50
Cost of Not Taking a Cash Discount
50
Simple Annual Interest
51
Continuous Compounding
52
Annual Percentage Rate for a Load with Fees
54
Automobile Load
54
Canadian Mortgages
55
Savings
55
TVM Calculations
55
Saving for College Costs
56
Gains that Go Untaxed until Withdrawal
57
Value of a Taxable Retirement Account
58
Cash Flow Examples
58
Wrap Around Mortgages
59
Net Future Value
60
Assistance, Batteries and Service
60
Answers to Common Questions
60
Environmental Limits
61
Power and Batteries
61
Low Power Annunciator
61
Battery Specifications
61
Installing Batteries
62
Determining if the Calculator Requires Service
62
Confirming Calculator Operation
64
If the Calculator Requires Service
64
Obtaining Service
64
Shipping
65
More about Calculations
65
IRR/YR Calculations
65
Possible Outcomes of Calculating
66
Halting and Restarting IRR/YR
66
Entering a Guess for IRR/YR
66
Effect of Using to Correct Data
66
Equations
70
Index
70
Special Characters

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10b - 10b financial calculator

HP -10B Owner's Manual

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