HP 10bII Manual de usuario

10BII

Business

Calculator

Owner’s

Manual

packar

Notice

For

warranty,

terms

and

conditions,

and

regulatory

information

for

this

calculator,

see

pages

122

127.

This

manual

and

any

examples

contained

herein

are

provided

as-is

and

are

subject

change

without

notice.

Hewlett-Packard

Company

makes

warranty

any

kind with

regard

this

manual,

including,

but

not

limited

to,

the

implied

warranties

merchantability

and

fitness

for

particular

purpose.

Hewlett-

Packard

Company

shall

not

liable

for

any

errors

for

incidental

consequential

damages

connection

with

the

furnishing,

performance,

use

this

manual

the

keystroke

programs

contained

hercin.

Hewlett-Packard

Company

2000.

All

rights

reserved.

Reproduction,

adaptation,

translation

this

manual

prohibited

without

prior

written

permission

Hewlett-Packard

Company,

except

allowed

under

laws.

‘The

programs

that

control

your

calculator

are

copyrighted

and

all

rights

are

reserved.

Reproduction,

adaptation,

translation

those

programs

without

prior

written

permission

Hewlett-Packard

Company

also

prohibited.

Australian

Calculator

Operation

351

Burwood

Highway

Forest

Hill,

Victoria,

3131,

Australia

Welcome

the

10Bil

Your

10BII

reflects

the

superior

quality

and

attention

detail

engineering

and

manufacturing

that

have

distinguished

Hewlett-Packard

products

for

years.

Hewlett-Packard

stands

behind

this

calculator—we

offer

expertise

support

its

use

(see

inside

the

back

cover)

and

worldwide

service.

Hewlett-Packard

Quality

Our

calculators

are

made

excel

and

easy

use.

This

calculator

designed

withstand

the

drops,

vibrations,

pollutants

(smog,

ozone),

temperature

extremes,

and

humidity

variations

that

may

encounter

everyday

work

life.

"The

calculator

and

its

manual

have

been

designed

and

tested

for

ease

use.

added

many

examples

highlight

the

varied

uses

the

calculator.

Low-power

electronics

and

advanced

power

management

system

gives

extended

battery

life.

The

microprocessor

has

been

optimized

for

fast

and

reliable

computations

using

digits

internally

for

precise

results.

Extensive

research

has

created

design

that

has

minimized

the

adverse

effects

static

electricity,

potential

cause

malfunctions

and

data

loss

calculators.

Welcome

the

НР

1081

Features

The

features

the

10BII

and

the

manual

reflect

the

needs

and

wishes

many

customers:

large

12-character

display.

At-a-Glance

section

the

manual

for

quick

reference.

Applications

solve

business

and

financial

tasks:

Time

Value

Money.

Loans,

savings,

leases,

and

amortization

schedules.

Interest

Conversion.

Nominal

and

effective

rates.

Cash

Flows.

Net

present

value

and

internal

rate

return.

Business

Percentages.

Percent

change,

markup,

and

margin

calculations.

Statistics.

Mean,

standard

deviation,

correlation

coefficient,

and

linear

regression

forecasting,

plus

other

statistical

calculations.

Enough

memory

store

initial

cash

flow

and

cash

flow

groups,

with

cash

flows

per

group.

Ten

numbered

storage

registers.

Easy

access

functions

saves

keystrokes

and

adds

convenience.

Auto-increment

capability

for

amortization

schedules.

Labels

for

amortization

and

cash

flows.

Automatic

constant.

•

3-key

memory.

Many

examples

are

included

the

manual

you

can

combine

them

for

your

specific

needs.

Welcome

the

1081

Contents

Ata

Glance...

Basics—At

Glance...

Percentages—At

Glance...

Memory

Keys—At

Glance...

Time

Value

Money

(TVM)—At

Glance...

ТУМ

What

if...—At

Glance...

Amorüzation—At

Glance...

Interest

Rate

Conversion—At

Glance...

IRR/YR

and

NPV—Ata

Glance...

Statistics-—At

Glance...

Keyboard

Map

Getting

Started

Power

and

Off

Adjusting

the

Display

Contrast

Simple

Arithmetic

Calculations

Understanding

the

Display

and

Keyboard

Cursor

Clearing

the

Calculator

Clearing

Memory

Annunciators

Shift

Key

Statistics

Key

INPUT

Key

SWAP

Key

Math

Functions

Display

Format

Numbers

Specifying

Displayed

Decimal

Places

Scientific

Notation

Displaying

the

Full

Precision

Numbers

Interchanging

the

Period

and

Comma

Rounding

Numbers

Messages

Contents

Business

Percentages

Percent

Key

Finding

Percent

Adding

Subtracting

Percent

Change

Margin

and

Markup

Calculations

Margin

Calculations

Markup

Cost

Calculations

Using

Margin

and

Markup

Together

Number

Storage

and

Arithmetic

Using

Stored

Numbers

Calculations

Using

Constants

Using

the

Using

Numbered

Registers

Doing

Arithmetic

Inside

Registers

Doing

Arithmetic

Power

Operator

Using

Parentheses

Calculations

Picturing

Financial

Problems

How

approach

Financial

Problem

Signs

Cash

Flows

Periods

and

Cash

Flows

Simple

and

Compound

Interest

Simple

Interest

Compound

Interest

Rates

Two

Types

Financial

Problems

Recognizing

TVM

Problem

Recognizing

Cash

Flow

Problem

Contents

Time

Value

Money

Calculations

Using

the

ТУМ

Application

Clearing

TVM

Begin

and

End

Modes

Loan

Calculations

Savings

Calculations

Lease

Calculations

Amortization

Interest

Rate

Conversions

Investments

With

Different

Compounding

Periods

Compounding

and

Payment

Periods

Differ

Cash

Flow

Calculations

Ном

Use

the

Cash

Flow

Application

NPV

and

IRR/YR:

Discontinuing

Cash

Flows

Organizing

Cash

Flows

Entering

Cash

Flows

Viewing

and

Replacing

Cash

Flows

Calculating

Net

Present

Value

Calculating

Internal

Rate

Return

Automatic

Storage

IRR/YR

and

NPV

Statistical

Calculations

Clearing

Statistical

Data

Entering

Statistical

Data

One-Variable

Statistics

Two-Variable

Statistics

and

Weighted

Mean

Correcting

Statistical

Data

Correcting

One-Variable

Data

Correcting

Two-Variable

Data

Summary

Statistical

Calculations

Mean,

Standard

Deviations,

and

Summation

Statistics

Linear

Regression

and

Estimation

Weighted

Mean

Contents

Additional

Examples

Business

Applications

Setting

Sales

Price

Forecasting

Based

History

Cost

Not

Taking

Cash

Discount

Loans

and

Mortgages

Simple

Annual

Interest

Continuous

Compounding

Yield

Discounted

(or

Premium)

Mortgage

101

Annual

Percentage

Rate

for

Loan

With

Fees

103

Loan

With

Partial

(Odd)

First

Period

104

Automobile

Loan

105

Canadian

Mortgages

106

Whatif...

ТУМ

Calculations

108

Savings

108

Saving

for

College

Costs

110

Gains

That

Untaxed

Until

Withdrawal

112

Value

Taxable

Retirement

Account

113

Cash

Flow

Examples

113

Wrap-Around

Mortgages

115

Net

Future

Value

117

Assistance,

Batterles,

and

Service

117

Answers

Common

Questions

118

Environmental

Limits

119

Power

and

Batteries

119

Іоу

Power

Annunciator

119

Battery

Specifications

119

Installing

Batteries

121

Determining

the

Calculator

Requires

Service

122

Limited

One-Year

Warranty

122

What

Covered

122

What

Not

Covered

123

Consumer

Transactions

the

United

Kingdom

Contents

123

the

Calculator

Requires

Service

123

Obtaining

Service

124

Service

Charge

124

Shipping

Instructions

124

Warranty

Service

125

Service

Agreements

125

Regulatory

Information

126

End-user

terms

and

conditions

129

About

Calculations

129

IRR/YR

Calculations

129

Possible

Outcomes

Calculating

IRR/YR

130

Halting

and

Restarting

IRR/YR

130

Entering

Guess

for

IRR/YR

131

Effect

Using

Z-

Correct

Data

131

Range

Numbers

132

Equations

132

Margin

and

Markup

Calculations

132

Time

Value

Money

(ТУМ)

132

Amortization

133

Interest

Rate

Conversions

134

Cash-Flow

Calculations

135

Statistics

137

Messages

139

Index

Contents

Page

blank

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