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
108 Index
generating amortization
schedules
25, 26
inserting cash flows
44
selecting a depreciation method
60
selecting a statistics calculation
method
66, 67
selecting bond settings
55
using the memory worksheet
81
Profit (PFT)
79
Profit margin (MAR)
77, 78
Profit Margin worksheet
77–78
PV (present value)
22, 23, 24
PWR (power regression)
63, 65
Q
Q (quantity) 79
Quantity (Q)
79
R
r (correlation coefficient) 63, 66
RAD (radians)
5
RAD (radians) indicator
3
Radians (RAD)
5
Radians (RAD) indicator
3
Random numbers
10
RBV (remaining book value)
57, 58,
60
RDT (redemption date)
52, 53, 54, 55
RDV (remaining depreciable value)
57, 58, 60
Reading the display
2
Recalling from memory
12
Redemption date (RDT)
52, 53, 54, 55
Redemption value (RV)
52, 53, 54
Regression models
exponential
65
linear
65
logarithmic
65
power
65
Reinvestment rate (RI)
41
Remaining book value (RBV)
57, 58,
60
Remaining depreciable value (RDV)
57, 58, 60
Resetting
amortization variables
23
bond variables
52
breakeven variables
79
cash flow variables
42
date variables
75
depreciation variables
58
interest conversion variables
73
percent change/compound
interest variables
70
statistics variables
64
TVM variables
23
Resetting calculator
6
hard reset
6
pressing keys
6
RI (reinvestment rate)
41
Rounding
10, 94
RV (redemption value)
52, 53, 54, 55
S
SAL (salvage value) 57, 60
Salvage value (SAL)
57, 60
Sample standard deviation of X (Sx)
63, 65
Sample standard deviation of Y (Sy)
63
Savings
21
Schedule
25
Scientific notation
11
SDT (settlement date)
52, 54, 55
Second (2nd)
functions
2
indicator
3
Quit
2
SEL (selling price)
77, 78
Selling price (SEL)
77, 78
service and support
98
SET (setting) indicator
3
Setting (SET) indicator
3
Settlement date (SDT)
52, 54, 55
SL (straight line)
57, 59, 60
SLF (French straight line)
57, 59, 60
Slope (b)
63
Square
8
Square root
8
Starting date (DT1)
60
Starting month (M01)
57, 59, 60
Starting payment (P1)
22, 24
Statistical data
66