Hp 10Bii Financial Calculator Users Manual 10bII+_User Guide_English_EN_NW239 90001_Edition 1

2015-01-05

• Legal Notice
• HP 10bII+ Financial Calculator
• Keyboard Map Legend
• Table of Contents
• At a Glance...
  • Basics of Key Functions
  • Shift Keys
  • Boxed Key Functions
  • Percentages
  • Memory Keys
  • Time Value of Money (TVM)
  • TVM What if...
  • Amortization
  • Depreciation
  • Interest Rate Conversion
  • Cash Flows, IRR/YR, NPV, and NFV
  • Date and Calendar
  • Bonds
  • Break-even
  • Statistical Calculations
  • Probability
  • Trigonometric Functions
• Getting Started
  • Power On and Off
  • Manual Conventions and Examples
    • Displayed text
    • Examples
  • Basics of Key Functions
  • Shift Keys
  • Boxed Key Functions
  • Simple Arithmetic Calculations
    • Operating Modes
    • Arithmetic Operators
    • Calculations in Chain Mode
    • Calculations in Algebraic Mode
    • Using Parentheses in Calculations
      • Example
    • Negative Numbers
  • Understanding the Display and Keyboard
  • Cursor
  • Clearing the Calculator
    • Backspace
    • Clear
    • Clear Memory
    • Clear All
    • Clearing Messages
  • Annunciators
  • Input Key
  • Swap Key
  • Statistics Keys
  • Time Value of Money (TVM), Cash Flows, Bond, and Break-even Keys
  • Math Functions
    • One-Number Functions
  • Trigonometric and Hyperbolic Functions and Modes
    • Selecting Angle Format
    • Trigonometric Functions
  • Pi
  • Hyperbolic Functions
  • Two-Number Functions
  • In-line Functions
  • Arithmetic with One-and Two-number Functions
    • Example 1
    • Example 2
    • Example 3
  • Last Answer
    • Example 1
    • Example 2
  • Display Format of Numbers
    • Specifying Displayed Decimal Places
    • Displaying the Full Precision of Numbers
  • Scientific Notation
  • Interchanging the Period and Comma
  • Rounding Numbers
  • Messages
• Business Percentages
  • The Business Percentage Keys
  • Percent key
    • Finding a Percent
      • Example
    • Adding or Subtracting a Percent
      • Example 1
      • Example 2
    • Percent Change
      • Example 1
      • Example 2
  • Margin and Markup Calculations
    • Margin Calculations
      • Example
    • Markup on Cost Calculations
      • Example
    • Using Margin and Markup Together
      • Example
• Number Storage and Storage Register Arithmetic
  • Using Stored Numbers in Calculations
    • Using Constants
      • Example 1
      • Example 2
      • Example 3
    • Using the M Register
      • Example
    • Using Numbered Registers
      • Example
    • Doing Arithmetic Inside Registers
      • Example 1
      • Example 2
• Picturing Financial Problems
  • How to approach a Financial Problem
  • Signs of Cash Flows
  • Periods and Cash Flows
  • Simple and Compound Interest
    • Simple Interest
    • Compound Interest
  • Interest Rates
  • Two Types of Financial Problems
    • Recognizing a TVM Problem
  • Recognizing a Cash Flow Problem
• Time Value of Money Calculations
  • Using the TVM Application
  • The TVM Keys
  • Begin and End Modes
  • Loan Calculations
    • Example: A Car Loan
    • Example: A Home Mortgage
    • Example: A Mortgage With a Balloon Payment
  • Savings Calculations
    • Example: A Savings Account
    • Example: An Individual Retirement Account
    • Example: An Annuity Account
  • Lease Calculations
    • Example: Calculating a Lease Payment
    • Example: Lease With Advance Payments
  • Amortization
    • To Amortize
      • Example: Amortizing a Range of Payments
      • Example: Amortizing a Single Payment
  • Interest Rate Conversions
    • Investments With Different Compounding Periods
      • Example: Comparing Investments
    • Compounding and Payment Periods Differ
      • Example: Monthly Payments, Daily Compounding
  • Resetting the TVM Keys
• Depreciation
  • The Depreciation Keys
    • Example 1
    • Example 2
    • Example 3
  • Resetting the TVM Keys
• Cash Flow Calculations
  • How to Use the Cash Flow Application
  • Clearing the Cash Flow Memory
    • Example 1: A Short Term Investment
  • Calculating Internal Rate of Return
  • NPV and IRR/YR: Discounting Cash Flows
  • Organizing Cash Flows
    • Example
  • Viewing and Editing Cash Flows
  • Calculating Net Present Value and Net Future Value
    • Example: A Discounted Contract, Uneven Cash flows
  • Automatic Storage of IRR/YR and NPV
• Calendar Formats and Date Calculations
  • Calendar Format
  • Date Format
    • Using the INPUT key
  • Date Calculations and Number of Days
    • Example 1
  • Number of Days
    • Example 1
    • Example 2
• Bonds
  • The Bond Keys
    • Example 1
    • Example 2
  • Resetting the bond keys
• Break-even
  • The Break-even Keys
    • Example 1
    • Example 2
  • Resetting the Break-even keys
• Statistical Calculations
  • Clearing Statistical Data
  • Entering Statistical Data
    • One-Variable Statistics
    • Two-Variable Statistics and Weighted Mean
  • Viewing and Editing Statistical Data
    • Example 1
  • Summary of Statistical Calculations
  • Mean, Standard Deviations, and Summation Statistics
    • Example 2
    • Example 3
  • Linear Regression, Estimation, and Regression Modes
    • Linear Regression.
    • Linear Estimation.
    • Example: 4
  • Weighted Mean
    • Example 5
  • Regression Models and Variables
  • Probability Calculations
  • Factorial
  • Permutations
    • Example
  • Combinations
    • Example
  • Random Number and Seed
    • Example
  • Advanced Probability Distributions
  • Normal Lower Tail Probability
    • Example
  • Inverse of Normal Lower Tail Probability
  • Student's T Probability Lower Tail
    • Example:
  • Inverse of Student’s t Probability Lower Tail
    • Example
  • Conversions from Lower Tail
    • Example 1
    • Example 2
• Additional Examples
  • Business Applications
    • Setting a Sales Price
      • Example
    • Forecasting Based on History
      • Example
    • Cost of Not Taking a Cash Discount
  • Loans and Mortgages
    • Simple Annual Interest
      • Example
    • Continuous Compounding
      • Example
    • Yield of a Discounted (or Premium) Mortgage
      • Example
    • Annual Percentage Rate for a Loan With Fees
      • Example: APR for a Loan With Fees
      • Example: Interest-Only Loan With Fee
    • Loan With a Partial (Odd) First Period
      • Example
    • Automobile Loan
      • Example
    • Canadian Mortgages
      • Example
    • What if … TVM Calculations
      • Example
  • Savings
    • Saving for College Costs
      • Example
    • Gains That Go Untaxed Until Withdrawal
      • Example
    • Value of a Taxable Retirement Account
      • Example
  • Cash Flow Examples
    • Wrap-Around Mortgages
      • Example
    • Net Future Value
      • Example: Value of a Fund
• Appendix A: Batteries and Answers to Common Questions
  • Power and Batteries
  • Low Power Annunciator
  • Installing Batteries
  • Determining if the Calculator Requires Service
    • The calculator won’t turn on:
    • Resetting the calculator:
    • Erasing the calculator’s memory:
    • The calculator doesn’t respond to keystrokes:
    • The calculator responds to keystrokes, but you suspect that it is malfunctioning:
  • Answers to Common Questions
  • Environmental Limits
• Appendix B: More About Calculations
  • IRR/YR Calculations
    • Possible Outcomes of Calculating IRR/YR
    • Range of Numbers
  • Equations
    • Business Percentages and Break-even Calculations
    • Probability
    • Time Value of Money (TVM)
    • Amortization
    • Interest Rate Conversions
    • Cash-Flow Calculations
    • Bonds
    • Depreciation
    • Statistics
    • Forecasting
• Appendix C: Messages
• Warranty, Regulatory, and Contact Information
  • Replacing the Batteries
  • HP Limited Hardware Warranty and Customer Care
  • Limited Hardware Warranty Period
  • General Terms
  • Exclusions
  • Regulatory Information
  • Federal Communications Commission Notice
  • Modifications
  • Declaration of Conformity for Products Marked with FCC Logo, United States Only
  • Canadian Notice
  • Avis Canadien
  • European Union Regulatory Notice
  • Japanese Notice
  • Disposal of Waste Equipment by Users in Private Household in the European Union
  • Perchlorate Material - special handling may apply
  • Customer Care
  • Contact Information
• Index