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HP 10bII+

HP NW239-90011
2010 5
i



Hewlett-Packard Company
HP

Hewlett-Packard Company

2010 Hewlett-Packard Development Company, L.P.

Hewlett-Packard Company
Palo Alto, CA
94304
USA

ii

Hewlett-Packard Company

HP 10bII+

iii

iv

12 7

(TVM)

1 4-9

10

0 2-3

11

12


IRR NPV


.......................................................................ii
HP 10bII+ ........................................................... iii
.................................................................. iv
1 ... .............................................................................................................................. 1
.............................................................. 1
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.................................................................. 2
........................................................................ 3
........................................................................ 4
(TVM)....................................................................................................6
TVM .....................................................................................................7
...................................................................... 8
.......................................................................... 9
..................................................................... 10
IRR/YR NPV NFV..............................................................................11
................................................................... 13
......................................................................... 13
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2 ......................................................................................................................... 23
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(TVM) ............................... 33
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Pi ............................................................................................................................36
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1

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3 .......................................................................................................................45
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4 ........................................................................................49
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5 ...................................................................................................................55
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6 ..................................................................................................... 61
TVM ................................................................ 61
TVM ...................................................................... 61
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..................................................................... 67
..................................................................... 70
..................................................................... 74
..................................................................... 78
TVM .................................................................. 81
7 .................................................................................................................................83
....................................................................... 83
TVM .................................................................. 86

8 .................................................................................................................. 87
......................................................... 87
............................................................. 88
............................................................... 90
NPV IRR/YR .................................................. 91
................................................................. 91
........................................................... 93
........................................................... 95
IRR/YR NPV ...........................................................................................97
9 ........................................................................................................ 99
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10 ............................................................................................................................ 105
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11 ..................................................................................................................... 109
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12 ..................................................................................................................... 113
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T .............................................................. 130
3

T ...................................................... 131
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13 ......................................................................................................................135
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........................................................................ 146
................................................................ 150
14 A ............................................................................................I
..................................................................... I
................................................................... I
....................................................................... I
.........................................................II
.................................................................. III
...................................................................... IV
15 B .........................................................................................I
IRR/YR .................................................................... I
........................................................................... I
16 C.....................................................................................................................I

17 .....................................................................................................1
...................................................................... 1
HP ..................................................... 1
.............................................................. 1
...................................................................... 1
...................................................................... 2
...................................................................... 3
Federal Communications Commission Notice................................................................. 3
Modifications............................................................................................................. 3
Declaration of Conformity for Products Marked with FCC Logo, United States Only ............ 3
Canadian Notice ....................................................................................................... 4
Avis Canadien ........................................................................................................... 4
.................................................................. 4
Japanese Notice ........................................................................................................ 5
.............................................. 5
Perchlorate Material - special handling may apply.......................................................... 5
...................................................................... 5
...................................................................... 5
4

...

1-1

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0.00

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BOND CLR

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TVM CLR

TVM

CFLO CLR

...


HP 10bII+

4
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1-2

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M
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TVM

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1-4

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15.00 22.00

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1-5

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31.82

20.00 33%
1-6

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175.00

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5 4 5

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14000 (PV) 360 (N) 10% (I/YR)

BEGIN

1-12

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6

...

TVM CLR TVM

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360.00

10.00

14000.00

1-12

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-122.86

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TVM 100.00

1-13

J::y

-100.00

11395.08

... 9.5%
1-14

d7V

9.50

11892.67

9.5%
100.00

J:
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10.00

14000.00

-122.86

TVM 5 6

...


(TVM)

\ 1-12 13-24 4
PRIN INT BAL TVM

20
1-15 20

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20.00

20 20

-7.25
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1 24
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1 12
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13922.18

13 24

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1-17

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]x
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10000.00 5
500.00
1-18

J::::
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10000.00
500.00
5.00

1900.00

7600.00

1900.00

5700.00

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1-19

\
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10%
1-20

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10.00

12.00

10.47

10 ...

IRR/YR NPV NFV


1-21 IRR NPV NFV

]O:
\

12
P/YR 1
12

45J

1 A

\
\
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11

40000 4700 7000 7000


23000 IRR/YR IRR
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CFLO CLR

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-40000.00

CF 0
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2.00

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23000.00

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15.96

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1-23 NPV NFV

J:
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622.85

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643.88

NFV

HP 10bII+ 8

12 ...


1-24

]
]
\
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DD.MMYYYY MM.DDYYYY D.MY


1 7
360 365

360 365
365

2010 2 28 52
365 M.DY
360

] D.MY ]

1-25

G7GgG:J:
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2.28

4-21-2010 3

1-26

]Oj
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...

13

1-26

]Oj
]
]
]

100.00

100.00

100%

]
]
]
]
]

- - (dd.mmyyyy) - (mm.ddyyyy)
365 360
30 / 360

4.75% 2010 4 28 2020 6 4


6.75% /

]
D.MY ] M.DY

SEMI

1-27

]Oj
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14 ...

BOND CLR

4-28-2010 3

mm.ddyyyy

1-27

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6.75

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4.75
115.89

2.69

118.59

118.59

10

...

15


1-28

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300.00 250.00
10000.00

150000.00

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BR EV CLR

150000.00

250.00

300.00

10000.00

3200.00

11

16 ...

UNITS


1-30

\t

y \
v
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\h \
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x

x y
y x ?
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xy

x y
x

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y

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x

...

17

x y x y

xy
x-data

y-data

50

90

160

1-31

\t
GV:
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v

0.00

1.00

x,y

2.00

x,y

3.00

x,y

1 2.00

\k
\
\h
\
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100.00

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55.68

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27.50

1420.00

12

18 ...

xy x y


1-32

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Z
Z

T
T
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n r

n r

n -253 < n < 253

0.5 Z Z Z
1-33

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0.25

1.56717

12

...

19


1-34

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1-35

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38.32

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1-36

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...

21

22 ...

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HP 10bII+

5 CR2032
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23

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24

0.00

0.00

12_

RAD

/
/

0.00

0.00

12 P_Yr

BOND CLR

BR EV CLR

TVM CLR

TVM

CFLO CLR


HP 10bII+


1

\ ]
\ 2
\ ]

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M

2-2

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25

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1 A P a
1 A 1 P 1

2-3

GY7jJ1SG7Yj4

87.18

24.71
62.47

2-4

JdPJG7Sg4

240.92

19 12.68

2-5

1JJV7V4

26

356.42

240.92+115.5

J1GPD4 9 4 1 A
P

2-6

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36.92

a (6.9

5.35)

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40.57

4 + 9 3
2-7

Y1dP
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13.00

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39.00

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7

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9.00

27

x
( y )

12

30
---------------------- 9
( 85 12 )

D:agVA 0.35

85 12
25 (3 (9 + 12 = 25 (3 (9 + 12)) =
53

2-8

D:a\qgVA
JG\n
P
d4

28

85.00

73.00

85 - 12

0.41

30 73

3.70

-75 3
2-9

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75

25.00

( _ )

| |

M 0 M
0 M

]O j Y J :


2-10

]Oj
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TVM

29

2-10

]O:
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=
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HP 10bII+

| M

- (M.DY) - - (D.MY) D.MY


2-11

30

2-11

INV

RAD

BEG

D.MY

- - (DD.MMYYYY)

360

360

SEMI

PEND

INPUT

AMORT

PER

PRIN

INT

BAL

CFLO

CF

STAT

n x

STAT

n y

STAT

ERROR

TVM

TVM P/Y
TVM

FULL

STAT

FUNC

ERROR

ERROR

31

] 6
] X x

2-12

32

]l
]i
]f
][
]U
]X

x
y
x y

y
x

(TVM)
TVM

TVM

2-14
(Rad)
RAD

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2-13

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D7Vj1G7DS\b
4

9.45

0.42

1/2.36

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3.57 1/2.36

2-14
2-14

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100
x
1/x
x

33

2-14

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x
x

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Z
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< x <1

34

10bII+

]3 RAD

2-15

]c
]R
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sin
cos
tan
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asin sin-1
arccos
acos cos-1
arctan
atan tan-1

RAD

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69.5127

0.35

51.6839

0.62

35

2-16

4
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17.8288
17.83

arccos 0.35 - arccos 0.62

Pi

\;

12 2

4.5
2

A = 4 r

2-17 Pi

YP\;
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4

3.14

20.25

4.52

254.47

2-18

36

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sinh
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1.39

( y ) 1

INPUT

\ \ \ ]9 ]<
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17 29
2-20

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29_
70.59

37

2-21 INPUT

Jj
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17.00

1 INPUT

70.59

2-22

Jj
Gd1DD

17.00

1 INPUT

1VYAgj
\

87_

70.59

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17 (29)

2-23
2-23

38

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5.00

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125 1/3

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1
2-27

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4

3.75

5-1.25

3.75

40

61.55

33.75

2
2-28 INPUT

V:
GG1JY\
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\

50.00

50 INPUT

-28.00

60.00

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36.00

22+14

-40.00

HP 10bII+

12
3

\5 : ? d
\5 7 v s \7
v 10 s 11

1.
2.

2-29

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10,000,000 x 10,000,000 = 1.00E14 1 10 14


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2-31

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9.87654321_

9.88
987654321000

9.88

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988000000000

HP 10bII+

M | C

43

44

10bII+

100

200 25%
3-1

G::P
GV
4

200.00
0.25
50.00

200
25%
200 25%

1
200 25%

45

3-2

G::A
GV
4

200.00
50.00
150.00

200
200 0.25
200 50

2
1250 7%

3-3

JGV:1j4

1337.50

87.50
1250.00 87.50

1
291.7 316.8
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291.70
8.60

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60.00

1
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38.33

2
46


10bII+

3-6

Kilowatt Electronics 255 300



3-7

GVV
D::

255.00

CST

300.00

PRC

15.00

Kleiners Kosmetique 60%


19.00
3-8

Jd
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19.00

60.00

30.40

47

9.60
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3-9

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9.60

15.00

11.04

13.04

48


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1
5+2 6+2 7+2
4-1 +2

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2.00

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7.00

5 2

8.00

6 2

9.00

7 2

49

2
10 + 10% 11 + 10% 25 + 10%
4-2 + 10%

J:1J:
4
4
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1.00

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11.00

10 10%

12.10

11 10%

27.50

25 10%

3
23 43
4-3 y3

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4
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3.00

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8.00

23

64.00

43

50

4
55 32 50 32 45
32
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55 32

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45 32

s p m M
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51


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17.00

17 M

14.25

14.65 M

16.95

16.95 M

-4.65

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43.55

\w v 20 0-19 \w
v

\w v | M
\w : d 7 : d
\w7 : d

10-19

v : d 7 : d
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475.6
560.1 + 475.6
---------------- and --------------------------------------39.15
39.15

52

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4-7

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4
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475.60

475.60
R14

39.15

39.15 R2

12.15

1,035.70

R14

39.15

R2

26.45

\w v
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\N

R0 R19
4-8

\w1
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+
-

53

1
45.7 R3 2.5 R3
4-9

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45.70

45.7 R3

2.50

R3 45.7 2.5
(114.25) R3

114.25

R3

2
1.25 15 3 15
4-10

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D\w17V

1.25

1.25

1.25

1.25 R15

3.00

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M
v7V

0.00

4.25

R15

54

R15

HP 10bII+
HP 10bII+

HP 10bII+

7000.00
5000.00 6000.00 11
5000.00 16 16567.20

55

HP 10bII+

-250.00 750.00 500.00


(750 - 250 = 500)


500 10% 550.00
500 10% 50 HP 10bII+


1000.00 6%
1/2 % (6% 12) 1005.00 1000
1/2 % 5

56

1005.00
1005.00 1/2 % 5.03


HP 10bII+

1000.00 1/2 %

6% ( 1/2 12) 12
1061.68 6.168%

57

TVM

TVM

TVM 5 TVM
5-1 TVM

4
TVM
150000.00
30 7.5% 1041.40 10000

58

PV PMT FV 0
5
PMT 0


TVM

59

60

TVM
(TVM)

TVM

\ \ \

TVM
TVM

6-1 TVM

\
\

PV


FV FV

12
N P/YR
N

61

6-1 TVM

\
\

BEGIN

v v v v v
v\ v\

TVM
HP 10bII+

\ BEGIN

3 10.5%
14500 1500

10.5%

62

7 PMT

BEGIN

6-2

JG\
DPJG
J:7V
JYV::A
JV::
:

12.00


12

36.00

10.50

13000.00

0.00
-422.53

14500 372.53 50.00

63

6-3

1V:

-372.53
2.03

422.53

10.5% 375.00

6-4

J:7V
DjVy

1JV::4

10.50
-375.00

11537.59

13037.59

930.00 12000
7.5% 30

8 PV

64

BEGIN

6-5

JG\
D:\
:
j7V
dD:y

1JG:::4

12.00
360.00

(30 12)

0.00

30

7.50

-930.00

133006.39

930

145006.39

12000

172500 25 8.8% 4

1. 25
2. 4
1
25

9 PMT

65

BEGIN

6-6

JG\
GV\
:
JjGV::
g7g

12.00
300.00
0.00
172500.00
8.80
-1424.06

25 12 =
300
25

2

PMT FV

10 FV

FV PV PMT

\5G

66

6-7

\}
Yg

1v4

-1424.06
48.00

4
(12 4)

-163388.39

-164812.45

48 PMT
FV

2000 7.2%
3000

11

67

(PMT = 0)

6-8

]OJ
J\
G:::y
D:::
j7G

0.00

TVM

1.00

P/YR 1

-2000.00

3000.00

7.20

5.83

3000

N 5 6 3000 6
6
6-9 6

6.00

n 6

3035.28

1995 4 14 2000
80.00 6.3% 2010
4 14

68

12 FV

BEGIN

6-10

GY\
G:::y
g:y
S7D
JV\

24.00
-2000.00
-80.00
6.30
360.00
52975.60

400,000
7% 50

69

13

BEGIN

6-11

JG\
Y:::::y
j
V:\
:

12.00

-400000.00

7.00
600.00

0.00

50

2392.80



1.00 (FV)
5 TVM

70


13500 7500

10%

14

BEGIN

6-12

JG\
J:
JDV::y
jV::
DS

12.00

10.00

-13500.00
7500.00

36.00

253.99


7500

71


Quick-Kit Pole Barns 4 2400

15000
9%

15 PV

1. 47 (4 12) - 1 = 47
2.
3.
4. 2 3
1

BEGIN

6-13

JG\
Yj
72

12.00

47.00

6-13

GY::y
:
d

-2400.00

0.00

1 FV

9.00

95477.55

47

2
PV
6-14

1vy4
s

97877.55

97877.55

6-15

Yg
:
JV:::y

48.00

0.00

-15000.00

10479.21

4
2 3
6-16

1p4

108356.77

66

73

16

HP 10bII+ AMORT

\ I/YRPVFVPMT P/YR

6-17

74

6-17

\ HP 10bII+ PER

4 (INT) 4 (PRIN)
(BAL) 4
\HP 10bII+
PER 4

4
v\

180000 7.75% 30

BEGIN

6-18

JG\
D:\
j7jV

12.00
360.00
7.75

75

6-18

Jg::::
:

180000.00

0.00

-1289.54

6-19

JJG
\
4
4
4

12_

1 12

PER AMORT

-1579.84

PRIN

-13894.67

INT

178420.16

BAL

(13894.67 + 1579.84 = 15474.51) 12


(12 1289.54 = 15474.51) (180000 - 1579.84 =
178420.16)

6-20

JDGY
\
4
4
4
76

13 24

PER

-1706.69

PRIN

-13767.79

INT

176713.49

BAL 24

(13767.79 +1706.69 = 15474.51) 12


(12 1289.54 = 15474.51) (180000 - 1579.84 1706.69 = 176713.49)

5 1 25 54 14250
11.5%

BEGIN

6-21

JG\
V\
JJ7V
JYGV:
:

12.00

60.00

11.50

14250.00

0.00

-310.42

1 25 54
6-22

J
\
4
4
4
GV
\

1.00

11
-310.42
0.00
13939.58
25.00
25 25

PER
PRIN 1

INT
BAL 1

PER

77

6-22

4
4
4
VY
\
4
4
4

-220.21

PRIN 25

-90.21

INT 25

9193.28
54.00
54 54

BAL 25

PER

-290.37

PRIN 54

-20.05

INT 54

1801.57

BAL 54

\ \ \

\
\
\

1.
2.
3.

\
2. \
3. \
TVM \
1.

TVM

78

6.70%

6.65%

6.63% 360

6-23

S7j\
Y\
\

6.70

4.00

6.87

6-24

S7SV\
JG\
\

6.65

12.00

6.86

S7SD\
DS:\
\

6.63

360.00

6-25

6.85

6.87 6.86 6.85

79


TVM

1.

\ \

\
2.

\ \

25 5% 365 /
7
1

6-26

V\
DSV\
\
JG\
\

5.00

365.00

5.13

12.00

5.01

NOM% I/YR

80

BEGIN

6-27

:
GVy
j\

0.00

-25.00

84.00

2519.61

TVM

]OJ TVM NI/YRPVPMT FV

TVM CLR P/Yr

81

82

10bII+ DEPRECIATION
(TVM)

7-1

TVM

]OJ

]{
]x

TVM TVM
TVM

]u

SOYD y (Life-y +1)/SOY SOY


5 5+4+3+2+1=15

83


1.

2. FV 0
3.

4.

1-1/4 125% 125


5.

]{
]u
]x

]{ ]u ]x TVM X
\ \
X Y

1
10000.00 5
500.00
7-2
7-2 SL

]OJ
J::::
V::
V
J]{
\
84

TVM CLR TVM

10000.00

10000.00

500.00

500.00

5.00

1900.00

TVM X

7600.00

X Y

7-2 SL

G]{
\

1900.00

5700.00

2
4000 4 1000

7-3 SOYD

]OJ
Y:::
Y
J:::
J]x
D]x
\

TVM CLR

4000.00
4.00

TVM

1000.00

1200.00

600.00

300.00

3
5000 7

7-4

]OJ
V:::

TVM CLR TVM

5000.00

85

j
G::
:
J]u
G]u
D]u
\

7.00

200.00
0.00

1428.57

1020.41

728.86

1822.16

TVM
TVM TVM

]O

J TVM CLR 12 P_yr TVM

86

TVM

\

1

HP 10bII+
1.
2.
3.

(CF ) CF


4
\

4.

5.

6. 4 5
7.

\
IRR \

NPV
8.

8-1

]O:
\

12 P/YR 1
12

87

8-1

45 J

2
2 \
v
1

1 A

\
\\

]X

]U

]O:

CFLO CLR
10bII+ 15
30 1

1 15
45

88

15
2 25 10

2 35
3 FULL

ERROR

89

]O: P/YR

\

1.
2.
3.

8-2 1

]O:
JG\
V:::y
G:::y

90

CFLO CLR

12.00
-5000.00
CF 0

-2000.00
CF 1

CFLO CF

CFLO CF

8-2 1

Y:::y
JJjSV7Gd
\
aJG

-4000.00
CF 2

11765.29
CF 3

38.98
3.25

CFLO CF

CFLO CF

NPV IRR/YR
5
NPV NFV IRR/YR

(NPV) NPV
(NFV)

(IRR/YR) 0

NPV NFV IRR/YR

(CF0) 44
CF0
-11000 6 0
1000 10000

91

IRR/YR 12
8-3 IRR

]O:
JG\
JJ:::y
:
S\
J:::
D\
92

CFLO CLR

12.00

-11000.00

CF 0 CFLO
CF
0.00

CF 1 CF
6.00

CFLO
N

CFn 1
1000.00

CF 2 CFLO CF
3.00

CFLO
N

CFn 2

8-3 IRR

J::::
\

10000.00

CF 3 CFLO CF
21.22

1.

v CFLO

CF N
2.

1 CF

3.

A CF

CF
J

4.

a 0
1 P

5.

6.

0 ERROR
7.

0 1
8.

]X

]U
M

9.

93


IRR/YR

8-4

CF 0

-11000.00

CF 1

CF 2

1000.00

CF 3

7500.00

CF 4

-1200.00

8-5

v
J1
D
11G
D
jV::1G

0 -11000.00

CF0

1 6.00

CF1
6.00

1 3.00

CF1
3.00

2 2.00

CF2

3 10000.00

CF3
10000.00

3 2.00

CF3
2.00

1JG::y1G

]X
M
\

94

CF4
4

4 -1200
4 2.00
3600.00

0.00

58.97


(NPV)
NPV NFV
1.

]O: P/YR

2.
3. I/YR
4. NPV

\ NFV

8-6

5000.00

5000.00

10

5000.00

15

7500.00

25

10000.00

15%

95


1
1
1

8-7

]O:
JG\
:Y
V:::J
:Y
V:::G
:Y
jV::J
:d
J::::J

CFLO CLR

12.00

4.00

CFn 0

1.00

CFn 1 N

4.00
CFn 2

2.00
CFn 3

4.00
CFn 4

1.00
CFn 5

9.00

CFn 6

1.00
CFn 7

v 1 A
M

96

8-8 NPV NFV

JV
\
\

15.00

27199.92

37105.94

15% 27199.92

7 NPV

IRR/YR NPV
NPV PV

v 27199.92
IRR/YR I/YR v 13

NPV TVM

NPV NFV IRR/YR

97

98

(ACT) 360

365 360 360

9-1

]
]
\
\

DD.MMYYYY MM.DDYYYY D.MY


1 7
360 365

365
365
360

HP 10bII+ 1582 10 15 9999 12 31


- - (M.DY) - -
(D.MY)
365 (ACT) 360 (360)

] - - (dd.mmyyyy)
] 360 365

1.

\5

2.

: d S

99

M.DY
1.
2.

3.
4.

\ \
D.MY ] D.MY
5.

1.
2.

3.
4.
5.

\ \

INPUT


M.DY

1.
2.

3.
4.
5.

1.

2.
3.
4.

100

1.

2.
3.
4.

\ - - - -

1 7

1
2011 12 18 100 D.MY

101

9-2

JG7JgG:JJ
\J::4

12.182011_

MM.DDYYYY

3-27-2012 2

9-3 INPUT

JG7JgG:JJ
J::\

12.182011_
3-27-2012 2

MM.DDYYYY

\
\
\

1.
2.

1
2010 6 4 2010
10 31 D.MY 360

102

9-4

0.00

D.MY

0.00

360

0.000000

4.062010

\5S
Y7:SG:J:\
DJ7J:G:J:4

149.000000

\5G

149.00

2
2012 10 17 2015 6 4 M.DY (Act)

] D.MY
]
360

9-5

J:7JjG:JG
\S7:YG:JV4

10.172012_ MM.DDYYYY

960.00

360

103

9-6 INPUT

M
J:7JjG:JG

0.00

S7:YG:JV\

104

10.17

MM.DDYYYY

(2)

960.00

10

10bII+ 10

10-1

]Oj
]
]
]
]
]

]
]

- - (dd.mmyyyy) - - (mm.ddyyyy)

]
]
]

100.00

100.00
100%

365 360 30 / 360

] ]

105

mm.ddyyyy dd.mmyyyy
9 1582 10 15 9999
12 31 (360/365)

1
4.75% 2010 4 28 2020 6 4
6.75% /
D.MY

10-2

]Oj
]
Y7GgG:J:
]

BOND CLR

0.00
4-28-2010 3

2010 4 28
mm.ddyyyy
3

1 7 2010 4 4

S7:YG:G:
]
S7jV]
106

6-4-2020 4

6.75

2020 6 4

6.75% CPN%

10-2

J::]

100.00

100

Y7jV]
]
1]
4

4.75
115.89
2.69
118.58

4.75%

+
118.58

2
104 5.5% 2020 10
15 101 2012 4 15
/
10-3

]Oj
V7V]
J:Y]
J:J]
J:7JVG:G:
]
Y7JVG:JG
]
]

BOND CLR

5.50

104.00

101.00

10-15-2020-4

2020 10 15

4-15-2012-7

2012 4 15

5.72

107


10-4

J::]

100.00

100%

5.35

]Oj BOND CLR


M

108

11

10bII+
BREAKEVEN

11-1

]OY
]
]
]
]
]~

109

1
300.00

250.00

150000.00

10000.00
11-2

]OY
JV::::]
GV:]
D::]
J::::]~
]

110

BK EV CLR

150000.00

250.00

300.00

10000.00

3200.00

UNITS

2
10000 45.00

23.00

0.00
11-3

]OY
J::::]
YV]
GD]
:]~
]

BK EV CLR

10000.00

45.00

23.00

0.00

220000.00

111

]OY
M

112

12
10bII+

nxx2 yy2 xy

12-1

\t
x
x \
x y
x y \
v
\k\
\T\
\h\
\e\
\Z\
\W\
]L

x y
y x b
xy

x y
x r
y m
6

113

\t STAT CLR

LINEAR

10bII+

10bII+ 15
30 1

1 15
45
15
2 25 10

2 35
10bII+
FULL
3

114

\t
HP 10bII+ n
n

1.
2.
3.

x,y

\t
x HP 10bII+ x
y HP 10bII+ n

1.
2.
3.

4. x,y n
x y

\T

1.

v n x y STAT

X Y
2.

1 x

A x y
x
n

3.
4.

115

5.

a x y 0

x y | 0
M

6.
7.
8.

200
12-2

32

415

35

515

38

725

800 43oC

12-3

\t
DGYJV
DVVJV
DgjGV
v
11111
M
116

STAT CLR

1.00

2.00

3.00

1 32.00

3 725.00

x
y

12-3

]LY

0.00

Y 4POWER

g::\Z
\\5d
YD\W\5G
aG::4

39.49
.988080878
1053.49
5.27

43oC 1023 37oC


685
12-4

YDJ:GD
DjSgV

4.00

5.00

45oC
12-5

YV\W
]L:
YV\W

1204.67

45oC

0.00

0-BEST FIT

1128.12

LINEAR
POWER
1128
6

117


STAT X
STAT

\ X Y

12-6

\k
\h

y y

y
y

\e

y
y

\Z

y x

-1 +1

+1
-1

\W
\T

x y

y x

(Sx) ( x)

x ( x )

n x x 2 x,y y
y y 2 xy

118

2
6
4.5 4 2 3.25 3.5 3.75

x 2 n

12-7

\t

STAT CLR

Y7V
Y
G
D7GV
D7V
D7jV
\k
\h
]l
a][
4\B

1.00

2.00

3.00

4.00

5.00

6.00

3.50

0.85

77.13

6.00

3.59

x2

\h \h\

\e \e\

119

3
4 193 182 177 185 90 81
83 77 y
12-8 3

\t
JdDd:
JgGgJ
JjjgD
JgVjj
\k
\
\e
\
]U

STAT CLR

1.00

2.00

3.00

4.00

184.25

(x)

82.75

(y)

5.80

(x)

4.71

(y)

331.00

x,y x,y x y
y = mx + b m b y
r m b:

\t
x x
y HP 10bII+ n

1.
2.
3.

4. x,y n
120

\Z\
m \W\
b y \T\

5. r
6.
7.

x y .
1. x,y
2. x y

\Z
x y x \W

y x y

4
Ali Azaleas 6

12-9

1400

920

1100

2265

2890

2200

121

12-10

\t
GJY::
JdG:
DJJ::
VGGSV
VGgd:
YGG::
\T\
122

STAT CLR

1.00

2.00
3.00
4.00
5.00
6.00
376.25

12-10

\W\
\Z\

425.88

0.90

7 8
12-11

j\W
g\W

3357.38

3783.25

3000 Ali
12-12 3000

D:::\Z

6.16

3,000

x1, x2, , xn y1, y2, , yn

x,y y x
\T

1.
2.

5
266 54 500 32
505 88 510 92
516

123

12-13

\t

STAT CLR

V::VY
V:VDG
VJ:gg
VJSdG
\T

1.00

2.00

3.00

4.00

509.44

10bII+ 6 6

12-14

0-Best Fit

1-Linear

m*x+b

2-Logarithm

m*ln(x)+b

3-Exponential

b*e(m*x)

4-Power

b*xm

5-Exponent

b*mx

6-Inverse

m/x+b

]L 1 A

M ]L

124

BEST FIT

\Z \W \T

10bII+ BEST FIT

\t LINEAR

nPr

nCr

(!)
!
5! 5 x 4 x 3 x 2 x 1 = 120
10bII+ n -253 < n < 253 Gamma
n!

nPr n r r
r
n!
PERMUTATIONS = -----------------( n r )!

125

A B C D E

12-15

V]<D4

VD]<

60.00

n
r

60.00

nCr n r r
r

n!
COMBINATIONS = ---------------------( n r )!r!

5
12-16

V]9D4

VD]9

10.00

n r

10.00

10bII+ 0 < x < 1

126

\w]6 0


42 9
12-17

YG\w]6
\5d
]6
]6
]6
\5G

42.00
42.000000000

42

.199873749

.863046890

.504024868

.50

10bII+ Z T


12-18

]F
]oF
]I
]oI

Z
Z
T
T
T
T

127


z z

]F

Z z

Z Z -1.7
12-19

\5S
J7jy]F

128

.000000

.044565

.025 z
12-20 z

7:GV]oF

-1.959964

10

129

11

T t

8 (df1) t -1.86 T
12-21 T

g]IJ7gSy4

gJ7gSy]I

12

130

.0499653

13

T
P t (df1)

]oI t

14

26 T t .05
t
12-22 t

GS]oI7:V4

-1.705618

GS7:V]oI

15

16

131


10bII+

1 T

1
Z z -1.7

17

z -1.7 -1.7 -1.7 1

12-23

J7jy]F
y1J4

132

.044565

-1.7

.955435

2
Z z 1.2 -1.2

18

1.2 -1.2
2
12-24

J7Gy]F
PG4

.115070

.230139

133

3
Z z Z z -z 0.95

19

0.95 1-0.95/2 = 0.025


.05/2=.025 .025
12-25

7:GV]oF

134

-1.959964

13

(1 + (%RTN 100))

2000

40000 20%

13-1

Y:::::a
G:::P
\qJ1\q
G:aJ::4

40000.00

20.00

24.00

x y

6 7
13-2

10000

11210

13060

16075

20590

135

13-3 6 7

\t
JJ::::
GJJGJ:
DJD:S:
YJS:jV
VG:Vd:
S\W
j\W

0.00

1.00

2.00

3.00

4.00
5.00
22000.50

24605.00

2/10, NET/30
10 2% 10 30

DISC% 360 100


COST% = -----------------------------------------------------------------------------------------------------------------------------------------( ( 100 DISC% ) ( TOTAL DAYS DISC DAYS ) )
DISC% TOTAL DAYS DISC DAYS

136


2/10, NET/30

13-4

GPDS:PJ
::a
\q\qJ:
:AG\n
P\qD:A
J:4

72000.00

98.00

36.73

450 60
10% 365 60

365
LOAN AMOUNT INTEREST% TERM OF LOAN ( IN DAYS )
INTEREST = -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------365

13-5

YV:sPJ:
PS:aDSV4
1p4

0.10

7.40

457.40

137

EFF% = ( e

( NOM% 100 )

1 ) 100

1.
2. (P/YR = 1)
P/YR = 12
NOM% P/YR 12

Dream World Investments 4572.80


18% 250.00 15
13-6

Jg
\K
AJPJ::4
\
JG\
\

0.18

100

1.20

e 0.18

19.72

19.72

12.00

18.14

BEGIN

13-7 15

JV\
GV:y

138

180.00

-250.00

13-7 15

YVjG7gy

-4572.80

297640.27

18%
15


(PV)
(I/YR) (PMT) (FV)
PV

100000 9% 20
42 5
79000
1
PMT FV = 0

BEGIN

13-8

JG\
d
G:\
J:::::y

12.00

9.00

240.00

-100000.00

0.00
899.73

20

139

2
N FV

13-9

\}
V\

899.73

60.00

88706.74

3
N PV I/YR
13-10

vAYG
jd:::y

18.00

-79000.00

20.72

APR
(PV) N
(I/YR) PV APR

APR
1%
160000 30 8.5%
APR

140

BEGIN

13-11

JG\
g7V
D:\
JS::::
:

v
AG

12.00

8.50

360.00

160000.00

0.00

30

-1230.26
160000.00
156800
8.72

APR

1000000 12% 10

BEGIN

13-12

JG\
JG
J:\
J::::::

12.00

12.00

120.00

1000000.00

-1000000.00

141

13-12

v
AD

-10000.00
1000000.00

970000.00

12.53

APR


TVM

HP 10bII+

1. PV

30 15 0.5
2. PV N 30

4500 36 15% 46
30
16

BEGIN

13-13

JG\
JV
aJGP
JSaD:P
YV::\4
142

12.00

15.00

1.25

0.67

30.00

13-13

1YV::
DS
:

4530.00

36.00

0.00

36

-157.03

14000.00 1500 12500

3.5%

9.5% 1000.00

BEGIN

13-14 3.5%

JG\
DS
JGV::
:
D7V

Pv4

12.00

36.00

12500.00

0.00
3.50
-366.28
-13185.94

143


13-15 9.5%

JJV::
d7V

Pv4

11500.00
9.50
-368.38
-13261.64

HP 10bII+ TVM
I/YR
6

130000 12% 30
13-16

JG\
G\
\
JG\
\
JD::::
:D:\

144

12.00

2.00
12.36

12.00

11.71

130000

360.00
-1308.30

TVM
HP 10bII+ TVM

PMT

735000 30 11.2%

BEGIN

13-17

JG\
jDV:::
JJ7G
D:\
:

12.00
735000.00

11.20
360.00
0.00
-7110.88

3555.00
26

13-18

DVVVy
GS\

-3555.00
26.00

145

13-18

v\

514.82
19.80

15

13-19

JG\
JV\

Pv1
v4

12.00
180.00
-8446.53
-1520374.70
-785374.70

12
15000 9%

20
146

BEGIN

13-20

d\
JG\
\

9.00

12.00

9.38

9.38

BEGIN

13-21

J\
JV:::

Y
:

1.00

15000.00

4.00

0.00

-52713.28

PV FV PMT

147

21 PMT

BEGIN

13-22

y
:
JG\
JYY
d

52713.28

0.00

12.00

144.00
9.00
-204.54

TVM

8.175% 2,000
35
15%
4%

148

BEGIN

13-23

J\
DV
g7JjV
:
G:::y

vPv4
1v4
PJV4
y1v4

Y:

1.00

35.00

8.18
0.00

-2000.00

387640.45

-70000.00

317640.45

47646.07

15%

339994.39

FV

339994.39

FV

-86159.84

4%
FV


TVM

3000 35
8.175% 28% 4%

149

BEGIN

13-24 4%

J\
DV
g7JjVAGg
4

:
D:::y

Y:

1.00

35.00

5.89

5.89

0.00

-3000.00

345505.61

-87556.47

4%
FV


TVM

8% 82 754
47510.22 35000
82510.22 9.5% 15

TVM PV

150

BEGIN

13-25

]OJ
JG\
gGVJ:7GG

d7V
:
JV\

0.00

TVM

12.00

82510.22

9.50

0.00

180.00

-861.59

22

CF0 = 47510.22 - 82510.22 = -35000


CF1 = 861.59 - 754.00 = 107.59
N1 = 82

151

CF2 = 861.59
N2 = 180 - 82 = 98
13-26

DV:::y
vyAjVY

gG\
vy
Jg:AgG\

CF0

35000

-35000.00
CF1

82

107.59

n1

82.00
CF2

98

861.59
n2

98.00

10.16

TVM (NPV)

8.8%

23

152

3 CR2032

(
)
All Clear

3 CR2032

1. CR2032

2.

3.

4.
5. (+)
6.
7. (+)

8.
9.

CD

1.
2.
All Clear

1.
2.

3.

4. 1
3

1.
2.

3.
All Clear

1.
2.
All Clear

1.

2. CD

II


Hewlett-Packard
www.hp.com/calculators HP
CD

CD

\8 2

HP 10bII+

\5 2

E 2.51E13
10 2.51 10 13 2
TVM No Solution
5 4 TVM 0

0 TVM

]OJ)

P/YR

PEND

III

INPUT

IRR/YR
IRR IRR IRR/YR P/YR

IV

0C 40C 32F 104F


-20C 65C -4F 149F
40C (104F) 90%

B
IRR/YR
IRR/YR

IRR/YR

IRR/YR
IRR/YR

No Solution

IRR/YR

9.99999999999 10499
1 10 499 UFLO C OFLO UFLO

PRC COST
MAR = -------------------------------------- 100
PRC
%CHG =

NEW
OLD
------------------------- 100
OLD

PRC COST
MU = -------------------------------------- 100
COST
PROFIT = (SP-VC) x UNITS - FC

n!
P = -----------------( n r )!
n!
C = -----------------------( n r )! r!

(TVM)
S=0

S=1
I/YR
i % = -----------P/YR
N

i%
1 1 + -------100
i--------------%S
- PMT ------------------------------------0 = PV + 1 +
100
i%
-------100
i%
+ FV 1 + -------100

INT =
PRN =

i =

BAL PV
PMT PMT
I YR
i = ------------------------------P YR 100

INT'

BAL i ?INT'
INT = 0

INT = INT' PMT


PRN = PMT + INT'
BAL = BAL + PRN
SINT = SINT + INT
SPRN = SPRN + PRN

EFF % =

II

NOM %
1 + ------------------------------100 P YR

P YR

1 100


i% =
j =
CFj = j
nj = j
k =
Nj =

n l = j
1l<j

i % nj
1 1 + -------100
i%
NPV = CF 0 +
CF j -------------------------------------- 1 + -------100
i------%
j=1
100
k

NPV = 0 i%

nj

nj

NFV = NPV x SPFV(i % :N) N =

j=1

( n j CF j )

=
j=0
k

nj

=
j=0

III


Lynch John J. Jr. Jan Mayle
1986
A =
E = 30/360 E 180
360
DSC = (DSC= E - A)
M = 1 = 2 =
N = N

Y = YLD% / 100

(CPN) (CPN%)
CPN
CALL + --------M
A CPN
PRICE = ---------------------------------- --- --------E
M
DSC Y
1 + --------- --E
Y

CALL
------------------------------------Y
Y

1 + ---

DSC
N 1 + --------E

CPN
--------A CPN
M
------------------------------------- --- --------DSC
E
M
--------K1+
E
Y--1+
M

IV

YLD% PRICE ACCRU

9 30
3 31 9 30

8 29 30 28
29


(YR) (FACT)
BASIS SALV
SL = ----------------------------------LIFE
BASIS SALV
SOYD = ---------------------------------------------- ( LIFE YR + 1 )
( LIFE + 1 )
LIFE --------------------------2

FACT
-------------

FACT
-------------

( YR 1 )

BASIS
100
100
DB = ------------------------------------ 1 -----------------LIFE
LIFE

DB

x
y
xy
x = --------- ? y = --------- ? x w = -----------n
n
y
2

( x)
x ---------------n
---------------------------------n1
2

Sx =

( y)
y ---------------n
---------------------------------n1
2

Sy =

( x)
x ---------------n
---------------------------------- y =
2

x =

r =

( y)
y ---------------n
---------------------------------2

x y
xy ------------------n
------------------------------------------------------------------------------------2

( x)
x ----------------

( y)
y ----------------

m =

x y
xy ------------------n ------------------------------------2

( x)
x ---------------2

b = y mx

yb
x = -----------m

y = mx + b

VI

m*x+b

m*ln(x)+b

b*e(m*x)

b*xm

b*mx

m/x+b

M |

C-1

ALL CLEAR

COPR HP 2010

Oflo

( 9.99999999999E499)
TVM

Uflo

TVM HP 10bII+

no Solution

not Found

IRR/YR I/YR I/YR


IRR/YR IRR/YR
B

Error I_Yr

I/Yr I/Yr

Error P_Yr

P/Yr P/Yr

Error N

N N

Error LN

LN

Error 0 / 0

0 0

Error / 0

Algebraic

Chain

Error days
Error ddays

]
\

CFLOW CLR

TVM CLR

TVM

BR EV CLR

BOND CLR

STAT CLR

C-1

II

Best Fit

running

0.25

User Stop

M IRR/YR I/YR

17



3 CR2032

1. CR2032

2.

3.
4.
5. (+)
6.
7. (+)
8.
9.

=.

10. HP 10bII+ A

HP
HP HP
HP HP

1 www.hp.com/support.

HP

HP

/

HP
HP
HP HP
HP
HP
HP

HP HP HP

(a) (b)
HP (c) (d) (e)
HP

/

HP

/
HP
HP


Federal Communications Commission Notice
This equipment has been tested and found to comply with the limits for a Class B digital
device, pursuant to Part 15 of the FCC Rules. These limits are designed to provide reasonable
protection against harmful interference in a residential installation. This equipment generates,
uses, and can radiate radio frequency energy and, if not installed and used in accordance
with the instructions, may cause harmful interference to radio communications. However, there
is no guarantee that interference will not occur in a particular installation. If this equipment
does cause harmful interference to radio or television reception, which can be determined by
turning the equipment off and on, the user is encouraged to try to correct the interference by
one or more of the following measures:

Reorient or relocate the receiving antenna.

Increase the separation between the equipment and the receiver.

Connect the equipment into an outlet on a circuit different from that to which the receiver is
connected.

Consult the dealer or an experienced radio or television technician for help.

Modifications
The FCC requires the user to be notified that any changes or modifications made to this device
that are not expressly approved by Hewlett-Packard Company may void the user's authority
to operate the equipment.

Declaration of Conformity for Products Marked with FCC Logo, United


States Only
This device complies with Part 15 of the FCC Rules. Operation is subject to the following two
conditions:
1. This device may not cause harmful interference
2. This device must accept any interference received, including interference that may cause
undesired operation.
If you have questions about the product that are not related to this declaration, write to:
Hewlett-Packard Company
P. O. Box 692000, Mail Stop 530113
Houston, TX 77269-2000
For questions regarding this FCC declaration, write to:
Hewlett-Packard Company
P. O. Box 692000, Mail Stop 510101
Houston, TX 77269-2000
or call HP at 281-514-3333
To identify your product, refer to the part, series, or model number located on the product.

Canadian Notice
This Class B digital apparatus meets all requirements of the Canadian Interference-Causing
Equipment Regulations.

Avis Canadien
Cet appareil numrique de la classe B respecte toutes les exigences du Rglement sur le
matriel brouilleur du Canada.

CE
2006/95/EC
EMC 2004/108/EC
2009/125/EC
HP CE CE
HP

www.hp.eu/certificates

10mW Bluetooth

CE !
4

Hewlett-Packard GmbH, Dept./MS: HQ-TRE, Herrenberger Strasse 140, 71034 Boeblingen,


GERMANY.

Japanese Notice

Perchlorate Material - special handling may apply


This calculator's Memory Backup battery may contain perchlorate and may require special
handling when recycled or disposed in California.

HP
CD HP


: www.hp.com/support.

17-4

Country/
Region

Contact

Country/
Region

Contact

Algeria

www.hp.com/support

Anguila

1-800-711-2884

Antigua

1-800-711-2884

Argentina

0-800-555-5000

Aruba

800-8000;
800-711-2884

Austria
sterreich

01 360 277 1203

Bahamas

1-800-711-2884

Barbados

1-800-711-2884

Belgique
(Franais)

02 620 00 85

Belgium
(English)

02 620 00 86

Bermuda

1-800-711-2884

Bolivia

800-100-193

Country/
Region
Botswana

Contact
www.hp.com/support

Country/
Region

Contact

Brazil Brasil 0-800-709-7751

British Virgin 1-800-711-2884


Islands

Bulgaria

www.hp.com/support

Canada

800-HP-INVENT

Cayman
Island

1-800-711-2884

Chile

800-360-999

China

800-820-9669

Costa Rica

0-800-011-0524

Croatia

www.hp.com/support

Curacao

001-800-872-2881
+ 800-711-2884

Czech
Republic
esk
republikaik

296 335 612

Denmark

82 33 28 44

Dominica

1-800-711-2884

Dominican
Republic

1-800-711-2884

Egypt

www.hp.com/support

El Salvador 800-6160

Equador

1-999-119;
800-711-2884 (Andinatel)
1-800-225-528;
800-711-2884 (Pacifitel)

Estonia

www.hp.com/support

Finland
Suomi

09 8171 0281

France

01 4993 9006

French
Antilles

0-800-990-011;
800-711-2884

French
Guiana

0-800-990-011;
800-711-2884

Germany
069 9530 7103
Deutschland

Ghana

www.hp.com/support

Greece

Grenada

1-800-711-2884

Guadelupe 0-800-990-011;
800-711-2884

210 969 6421

Guatemala 1-800-999-5105

Guyana

159; 800-711-2884

Haiti

Honduras

800-0-123; 800-7112884

Hong Kong 800-933011

Hungary

www.hp.com/support

India

1-800-114772

Indonesia

(21)350-3408

Ireland

01 605 0356

Italy Italia

02 754 19 782

Jamaica

1-800-711-2884

Japan

00531-86-0011

183; 800-711-2884

Country/
Region

Contact

Country/
Region

Contact

Kazakhstan www.hp.com/support

Latvia

www.hp.com/support

Lebanon

Lithuania

www.hp.com/support

Luxembourg 2730 2146

Malaysia

1800-88-8588

Martinica

0-800-990-011;
877-219-8671

Mauritius

www.hp.com/support

Mexico
Mxico

01-800-474-68368
(800 HP INVENT)

Montenegro www.hp.com/support

Montserrat

1-800-711-2884

Morocco

Namibia

www.hp.com/support

Netherlands 020 654 5301

www.hp.com/support

www.hp.com/support

Netherland 001-800-872-2881;
Antilles
800-711-2884

New
Zealand

0800-551-664

Nicaragua

1-800-0164;
800-711-2884

Norway
Norwegen

23500027

Panama
Panam

001-800-711-2884

Paraguay

(009) 800-541-0006

Peru
Per

0-800-10111

Philippines

(2)-867-3351

Poland
Polska

www.hp.com/support

Portugal

021 318 0093

Puerto Rico

1-877 232 0589

Romania

www.hp.com/support

Russia

495-228-3050

Saudi
Arabia

www.hp.com/support

Serbia

www.hp.com/support

Singapore

6272-5300

Slovakia

www.hp.com/support

South Africa 0800980410

South Korea 00798-862-0305

Spain
Espaa

913753382

St Kitts &
Nevis

1-800-711-2884

St Lucia

1-800-478-4602

St Marteen

1-800-711-2884

St Vincent

01-800-711-2884

Suriname

156; 800-711-2884

Swaziland

www.hp.com/support

Sweden
Sverige

08 5199 2065

Switzerland 022 827 8780

Switzerland 022 827 8780


(Suisse
Franais)

Switzerland 01 439 5358


(Schweiz
Deutsch)

Switzerland 022 567 5308


(Svizzeera
Italiano)

Taiwan

00801-86-1047

Country/
Region

Contact

Country/
Region

Contact

Thailand

(2)-353-9000

Trinidad &
Tobago

1-800-711-2884

Tunisia

www.hp.com/support

Turkey
Trkiye

www.hp.com/support

Turks &
Caicos

01-800-711-2884

UAE

www.hp.com/support

United
Kingdom

0207 458 0161

Uruguay

US Virgin
Islands

1-800-711-2884

United
States

800-HP INVENT

Venezuela

0-800-474-68368
(0-800 HP INVENT)

Vietnam
Vit Nam

+65-6272-5300

Zambia

www.hp.com/support

0004-054-177

10

RND43
semi/ann 105
setdate 105
SL 83
SOYD83
SP 109
STO 52
units 109
VC 109
x y 113
xP/YR61
YTM 105
45
23
33
127
x113
y113
23
113
24
26
32
y x 113
/ 43
25
28
25
29
25
29
30
99
45
32
38
99
32
29
113
113

FAQI, III
IRR
IRR90
IRR/YRI
IRR/YR
I

Pi36
TVM

61
I
58

TVM

81
Warranty1

360/ACT99
Accint 105
Alg/Chain26
Amort62
Beg/End62
C STAT113
call 105
CFj87
CPN% 105
CST 47
DB 83
DISP41
DMY/MDY99
E42
eff%78
FC 109
FV61
I/YR61
K49
M51
MAR 47
matdate 105
MU 47
N61
NFV88
Nj87
nom%78
NPV88
P/YR61
PMT61
PRC 47
price 105
profit 109
PV61
RAND126

46
10045
45

C
I, III

49
II
67
1

V
IV
V

49

27
62
33
39
I
I
1, 5

43
III

F
ii
64
74
77
II

TVM 74
75

29

Z 127
132
127
T 131
129
125
127
T 127
T 130
128
125

68
IV

TVMI
II
II
I
V
III

II
3
29

H
IV

M 51
51

47

iv
iv

35
125
95
95

43

K
42
5

28

L
78
47

56
56
57

27

TVM

II
37

62

II
I, III

29
30

R
99
99
99
99
106
100
99

42

41
iv

93
88
IRR NPV97
56
87
III
NPV NFV95
56
87
59
87
91
91

S
35
109
109
16, 110
112
23

I
41
49
35
37
39
43
26
126

T
30
100

115
115
118
124
118
115, 123
114
118
114
113
114
115
120

I
43
I

41

Y
69
72
26

Z
105
108
105
105
106

83

TVM 86
TVM 83

70
65
40

79