User ManualTable of ContentsIntroduction3About This Handbook3Financial Calculations in the United Kingdom4For More Solutions to Financial Problems4Problem Solving15Section 1: Getting Started16Power On and Off16Low-Power Indication16The Keyboard16Keying in Numbers17Digit Separators17Negative Numbers17Keying in Large Numbers18The CLEAR Keys18Simple Arithmetic Calculations19Chain Calculations20Storage Registers23Storing and Recalling Numbers23Clearing Storage Registers24Storage Register Arithmetic24Section 2: Percentage and Calendar Functions26Percentage Functions26Percentages26Net Amount27Percent Difference27Percent of Total28Calendar Functions29Date Format29Future or Past Dates30Number of Days Between Dates31Section 3: Basic Financial Functions32The Financial Registers32Storing Numbers Into the Financial Registers32Displaying Numbers in the Financial Registers32Clearing the Financial Registers33Simple Interest Calculations33Financial Calculations and the Cash Flow Diagram34The Cash Flow Sign Convention36The Payment Mode37Generalized Cash Flow Diagrams37Compound Interest Calculations39Interest Rate39Calculating the Periodic and Annual Interest Rates43Calculating the Present Value44Calculating the Payment Amount46Calculating the Future Value48Odd-Period Calculations50Amortization54Section 4: Additional Financial Functions57Discounted Cash Flow Analysis: NPV and IRR57Calculating Net Present Value (NPV)58Calculating Internal Rate of Return (IRR)63Reviewing Cash Flow Entries64Changing Cash Flow Entries65Bond Calculations66Bond Price67Bond Yield67Depreciation Calculations68Section 5: Additional Operating Features70Continuous Memory70The Display71Status Indicators71Number Display Formats71Scientific Notation Display Format72Special Displays73key74Key74Arithmetic Calculations With Constants75Recovering From Errors in Digit Entry75Section 6: Statistics Functions76Accumulating Statistics76Correcting Accumulated Statistics77Mean77Standard Deviation79Linear Estimation80Weighted Mean81One-Number Functions83The Power Function85Part II. Programming87Section 8: Programming Basics88Why Use Programs?88Creating a Program88Running a Program89Program Memory90Identifying Instructions in Program Lines91Displaying Program Lines9200 Instruction and Program Line 0093Expanding Program Memory94Setting the Calculator to a Particular Program Line95Executing a Program One Line at a Time96Interrupting Program Execution97Pausing During Program Execution97Stopping Program Execution101Section 9: Branching and Looping103Simple Branching103Looping104Conditional Branching107Section 10: Program Editing113Changing the Instruction in a Program Line113Adding Instructions at the End of a Program114Adding Instructions Within a Program115Adding Instructions by Replacement115Adding Instructions by Branching116Section 11: Multiple Programs120Storing Another Program120Running Another Program122Part III. Solutions123Section 12: Real Estate and Lending124Annual Percentage Rate Calculations With Fees124Price of a Mortgage Traded at a Discount or Premium126Yield of a Mortgage Traded at a Discount or Premium128The Rent or Buy Decision130Deferred Annuities134Section 13: Investment Analysis136Partial-Year Depreciation136Straight-Line Depreciation136Declining-Balance Depreciation139Sum-of-the-Years-Digits Depreciation141Full- and Partial-Year Depreciation with Crossover144Excess Depreciation148Modified Internal Rate of Return148Section 14: Leasing151Advance Payments151Solving For Payment151Solving for Yield154Advance Payments With Residual156Solving for Payment156Solving For Yield158Section 15: Savings160Nominal Rate Converted to Effective Rate160Effective Rate Converted to Nominal Rate161Nominal Rate Converted to Continuous Effective Rate162Section 16: Bonds16330/360 Day Basis Bonds163Annual Coupon Bonds166Appendixes169Appendix A: The Automatic Memory Stack170Key171Termination of Digit Entry172Stack Lift172Rearranging Numbers in the Stack172key172Key172One-Number Functions and the Stack173Two-Number Functions and the Stack173Mathematics Functions173Percentage Functions174Calendar and Financial Functions175Key176Chain Calculations176Arithmetic Calculations with Constants177Appendix B: More About L179Appendix C: Error Conditions181Error 0: Mathematics181Error 1: Storage Register Overflow182Error 2: Statistics182Error 3: IRR182Error 4: Memory182Error 5: Compound Interest183Error 6: Storage Registers183Error 7: IRR184Error 8: Calendar184Error 9: Service184Pr Error184Appendix D: Formulas Used185Percentage185Interest185Simple Interest185Compound Interest186Amortization186Discounted Cash Flow Analysis187Net Present Value187Internal Rate of Return187Calendar187Actual Day Basis18730/360 Day Basis187Bonds188Depreciation189Straight-Line Depreciation189Sum-of-the-Years-Digits Depreciation189Declining-Balance Depreciation190Modified Internal Rate of Return190Advance Payments190Interest Rate Conversions191Finite Compounding191Continuous Compounding191Statistics191Mean191Weighted Mean191Linear Estimation191Standard Deviation192Factorial192The Rent or Buy Decision192Battery193Low-Power Indication193Installing a New Battery193Verifying Proper Operation (Self-Tests)194Warranty196Service197Regulatory Information199Temperature Specifications199Noise Declaration199European Union200Appendix F: United Kingdom Calculations201Mortgages201Annual Percentage Rate (APR) Calculations202Bond Calculations202Function Key Index203Programming Key Index206Subject Index208Size: 1.67 MBPages: 211Language: EnglishOpen manual
