hp 10BII financial calculator

users guide

Edition 1 HP part number F1902-90001
: title_English-050105.doc

: 1/2

Notice
REGISTER YOUR PRODUCT AT: www.register.hp.com THIS MANUAL AND ANY EXAMPLES CONTAINED HEREIN ARE PROVIDED AS IS AND ARE SUBJECT TO CHANGE WITHOUT NOTICE. HEWLETT-PACKARD COMPANY MAKES NO WARRANTY OF ANY KIND WITH REGARD TO THIS MANUAL, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE. HEWLETT-PACKARD CO. SHALL NOT BE LIABLE FOR ANY ERRORS OR FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES IN CONNECTION WITH THE FURNISHING, PERFORMANCE, OR USE OF THIS MANUAL OR THE EXAMPLES CONTAINED HEREIN.
Copyright 1988, 1989, 2001, 2004 Hewlett-Packard Development Company, L.P. Reproduction, adaptation, or translation of this manual is prohibited without prior written permission of Hewlett-Packard Company, except as allowed under the copyright laws.
Hewlett-Packard Company 4995 Murphy Canyon Rd, Suite 301 San Diego,CA 92123

Printing History

Edition 1 May 2003
: 10BII_English(MP02-2)-040917(Print) : 2/2
10B.book Page 3 Wednesday, June 21, 2000 5:19 PM

Welcome to the HP 10BII

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Hewlett-Packard Quality

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10B.book Page 4 Wednesday, June 21, 2000 5:19 PM

Features

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10BTOC.fm Page 5 Thursday, June 22, 2000 12:31 PM

Contents

21 At a Glance. %DVLFV$W D *ODQFH 3HUFHQWDJHV$W D *ODQFH 0HPRU\.H\V$W D *ODQFH 7LPH 9DOXH RI 0RQH\ 790$W D *ODQFH 790 :KDW LI$W D *ODQFH $PRUWL]DWLRQ$W D *ODQFH ,QWHUHVW 5DWH &RQYHUVLRQ$W D *ODQFH ,55<5 DQG 139$W D *ODQFH 6WDWLVWLFV$W D *ODQFH.H\ERDUG 0DS Getting Started 3RZHU 2Q DQG 2II $GMXVWLQJ WKH 'LVSOD\ &RQWUDVW 6LPSOH $ULWKPHWLF &DOFXODWLRQV 8QGHUVWDQGLQJ WKH 'LVSOD\ DQG.H\ERDUG &XUVRU &OHDULQJ WKH &DOFXODWRU &OHDULQJ 0HPRU\ $QQXQFLDWRUV 6KLIW.H\ 6WDWLVWLFV.H\ ,1387.H\ 6:$3.H\ 0DWK )XQFWLRQV 'LVSOD\ )RUPDW RI 1XPEHUV 6SHFLI\LQJ 'LVSOD\HG 'HFLPDO 3ODFHV 6FLHQWLILF 1RWDWLRQ 'LVSOD\LQJ WKH )XOO 3UHFLVLRQ RI 1XPEHUV ,QWHUFKDQJLQJ WKH 3HULRG DQG &RPPD 5RXQGLQJ 1XPEHUV 0HVVDJHV

Contents 5

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fm Page 21 Sunday, June 25, 2000 2:21 PM

Keyboard Map

Time value of money (page 53) Separate two numbers (page 28) Percent (page 33) Constant (page 37) Store and recall (page 40) Change sign (page 24) Statistics key (page 27) Shift key (page 27) Clear display, cancel operation (page 25) 10. Clear all memory (page 25) 11. On (page 87) 12. Statistical functions (page 87)
1. 2. 3. 4. 5. 6. 7. 8. 9.
13. n through xy: statistical summation registers (page 88) 14. 3-key memory (page 39) 15. Backspace (page 25) 16. Accumulate statistical data (page 86) 17. Cash flows (page 75) 18. Business functions: margin, markup, cost, price (page 35) 19. Interest conversion (page 72) 20. Amortization (page 67) 21. Annunciator lines (page 26)
fm Page 22 Sunday, June 25, 2000 2:21 PM
10B.book Page 23 Wednesday, June 21, 2000 5:19 PM

Getting Started

Power On and Off
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Simple Arithmetic Calculations

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1: Getting Started
10B.book Page 24 Wednesday, June 21, 2000 5:19 PM
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Status (Continued)

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Shift Key

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STATS

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10B.book Page 28 Wednesday, June 21, 2000 5:19 PM

INPUT Key

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.book Page 29 Wednesday, June 21, 2000 5:19 PM
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Display Format of Numbers
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10B.book Page 36 Wednesday, June 21, 2000 5:19 PM
Using Margin and Markup Together
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10B.book Page 37 Wednesday, June 21, 2000 5:19 PM
Number Storage and Arithmetic
Using Stored Numbers in Calculations
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3: Number Storage and Arithmetic
10B.book Page 38 Wednesday, June 21, 2000 5:19 PM
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Periods and Cash Flows

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Simple Interest

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10B.book Page 48 Wednesday, June 21, 2000 5:19 PM

Compound Interest

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10B.book Page 99 Wednesday, June 21, 2000 5:19 PM
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4,572.80

297,640.27
Yield of a Discounted (or Premium) Mortgage
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8: Additional Examples 99
10B.book Page 100 Wednesday, June 21, 2000 5:19 PM
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8: Additional Examples 107
.book Page 108 Wednesday, June 21, 2000 5:19 PM

Savings

Saving for College Costs
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Year 1

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108 8: Additional Examples
10B.book Page 109 Wednesday, June 21, 2000 5:19 PM
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10B.book Page 113 Wednesday, June 21, 2000 5:19 PM

Cash Flow Examples

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8: Additional Examples 113
10B.book Page 114 Wednesday, June 21, 2000 5:19 PM
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A: Assistance, Batteries, and Service 117
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118 A: Assistance, Batteries, and Service
10B.book Page 119 Wednesday, June 21, 2000 5:19 PM

Power and Batteries

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124 A: Assistance, Batteries, and Service
10B.book Page 125 Wednesday, June 21, 2000 5:19 PM

Service Agreements

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A: Assistance, Batteries, and Service 125
Disposal of Waste Equipment by Users in Private Household in the European Union
This symbol on the product or on its packaging indicates that this product must not be disposed of with your other household waste. Instead, it is your responsibility to dispose of your waste equipment by handing it over to a designated collection point for the recycling of waste electrical and electronic equipment. The separate collection and recycling of your waste equipment at the time of disposal will help to conserve natural resources and ensure that it is recycled in a manner that protects human health and the environment. For more information about where you can drop off your waste equipment for recycling, please contact your local city office, your household waste disposal service or the shop where you purchased the product.

A: Assistance, Batteries, and Service 127
10B.book Page 128 Wednesday, June 21, 2000 5:19 PM
appendix_B.fm Page 129 Thursday, June 22, 2000 12:33 PM

More About Calculations

IRR/YR Calculations
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Possible Outcomes of Calculating IRR/YR
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B: More About Calculations 129
appendix_B.fm Page 130 Thursday, June 22, 2000 12:33 PM
n Case 5. 7KH FDOFXODWRU GLVSOD\V No Solution 7KHUH LV QR DQVZHU
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Halting and Restarting IRR/YR

Equations

35& &267 0$5 = 35& 35& &= &267
Time Value of Money (TVM)
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132 B: More About Calculations
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)RU HDFK SD\PHQW DPRUWL]HG ,17
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ZLWK VLJQ RI ,17

%$/ROG 351 ,17ROG ,17 351ROG 351
P YR 120 = 1 + ----------------------------- 3 <5
B: More About Calculations 133
.fm Page 134 Thursday, June 22, 2000 12:33 PM

Cash-Flow Calculations

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Statistics

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( [) [ -------------Q ------------------------------ y = Q
( y) y ------------Q ----------------------------Q
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B: More About Calculations 135
.fm Page 136 Thursday, June 22, 2000 12:33 PM
appendix_C.fm Page 137 Sunday, June 25, 2000 4:17 PM
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