User Manual
Table Of Contents
- Important Information
- Overview of Calculator Operations
- Turning On the Calculator
- Turning Off the Calculator
- Selecting 2nd Functions
- Reading the Display
- Setting Calculator Formats
- Resetting the Calculator
- Clearing Calculator Entries and Memories
- Correcting Entry Errors
- Math Operations
- Memory Operations
- Calculations Using Constants
- Last Answer Feature
- Using Worksheets: Tools for Financial Solutions
- Time-Value-of-Money and Amortization Worksheets
- TVM and Amortization Worksheet Variables
- Using the TVM and Amortization Variables
- Resetting the TVM and Amortization Worksheet Variables
- Clearing the Unused Variable
- Entering Positive and Negative Values for Outflows and Inflows
- Entering Values for I/Y, P/Y, and C/Y
- Specifying Payments Due With Annuities
- Updating P1 and P2
- Different Values for BAL and FV
- Entering, Recalling, and Computing TVM Values
- Using [xP/Y] to Calculate a Value for N
- Entering Cash Inflows and Outflows
- Generating an Amortization Schedule
- Example: Computing Basic Loan Interest
- Examples: Computing Basic Loan Payments
- Examples: Computing Value in Savings
- Example: Computing Present Value in Annuities
- Example: Computing Perpetual Annuities
- Example: Computing Present Value of Variable Cash Flows
- Example: Computing Present Value of a Lease With Residual Value
- Example: Computing Other Monthly Payments
- Example: Saving With Monthly Deposits
- Example: Computing Amount to Borrow and Down Payment
- Example: Computing Regular Deposits for a Specified Future Amount
- Example: Computing Payments and Generating an Amortization Schedule
- Example: Computing Payment, Interest, and Loan Balance After a Specified Payment
- TVM and Amortization Worksheet Variables
- Cash Flow Worksheet
- Bond Worksheet
- Depreciation Worksheet
- Statistics Worksheet
- Other Worksheets
- APPENDIX - Reference Information
Index 107
N
n (number of observations) 63, 65
N (number of periods, TVM
worksheet)
22
N (number of periods)
24
Negative (–) indicator
3
Net present value (NPV)
41, 44
NEW (new value)
70, 71, 72
New value (NEW)
70, 71, 72
NOM (nominal rate)
74
Nominal rate (NOM)
74
NPV (net present value)
41, 44
Number of observations (n)
63, 65
Number of periods (#PD)
70, 71, 72
Number of periods (#PD), Percent
Change/Compound Interest
worksheet
70
Number of periods (N)
24
Number of periods (N), TVM
worksheet
22
Number separators format
4
O
OLD (old value) 70, 71, 72
Old value (OLD)
70, 71, 72
One coupon per year (1/Y)
52, 53, 55
One-variable statistics (1-V)
63, 65
Outflows
21, 25
Overview of calculator operation
1–
19
P
P (unit price) 79
P/Y (payments per year)
22, 24, 25
P1 (starting payment)
22, 24
P2 (ending payment)
22, 24
Par value
54
Parentheses
8, 10
Payment (PMT)
22, 23, 24
Payments per year (P/Y)
22, 24, 25
Percent
8
Percent add-on
8
Percent change (%CH)
70, 71, 72
Percent Change/Compound Interest
worksheet
69
Percent discount
8
Percent ratio
8
Permutations
8, 10
PFT (profit)
79
PMT (payment)
22, 23, 24
Population standard deviation of X
((x)
63, 65
Population standard deviation of Y
((y)
63
Power regression (PWR)
63, 65
Predicted X value (X')
63, 65, 67
Predicted Y value (Y')
63, 65, 67
Premium bond
54
Present value (PV)
22, 23, 24
PRI (bond price)
56
PRI (dollar price)
52, 54, 55
Principal paid (PRN)
22, 24
PRN (principal paid)
22, 24
Procedures
computing accrued interest
55
computing basic loan interest
26
computing bond price
55
computing bond yield
55
computing breakeven
79
computing breakeven quantity
79
computing compound interest
70
computing cost-sell-markup
70
computing dates
76
computing internal rate of
return
45
computing net present value
45
computing percent change
70
computing profit margin
78
computing statistical results
66,
67
computing X’
67
computing Y’
67
constants for various operations
13
converting interest
74
deleting cash flows
43
entering bond data
55
entering cash flows
43
entering data points
66
entering depreciation data
60
generating a depreciation
schedule
60