# HP 17BII Financial Business Calculator Manual

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### About

**Hewlett Packard F2234A#ABA HP 17BII+ Financial Business Calculator**

__Details__**Brand**: Hewlett Packard

**Part Number**: F2234A#ABA

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### User reviews and opinions

romcgillicud |
10:04pm on Friday, October 8th, 2010 |

GOOD TOOL I just bought the HP 17BII calculator and work in the autofinance business. Replacement for my 20 year old HP 17BII After reading the comments hear I was very sad... It sounded like the new calculators were junk. I disagree. | |

arjay |
2:16pm on Wednesday, September 8th, 2010 |

HP Financial Calculator Does what it says on the tin, and the accompanying manual is good. replaces 17BII, can be a better quality material Easilly replaced my 17BII... Can have a better built quality but no faults so far. Perfect Financial Calculator A perfect financial calculator that does what it should, handy to use. | |

GOzzy |
5:18am on Saturday, July 31st, 2010 |

Great Calculator I have had an HP17b for years but do to a theft had to purchase a new one from Amazon which had the best price. HP 17BII good stuff The vendor performed as expected, the mdse arrived in excellent condition, and I would buy from this vendor again. Bob Manieri | |

yann |
1:36am on Thursday, June 24th, 2010 |

Determine what you need to calculate, and try to find simplest calculator that can handle the job. |

Comments posted on www.ps2netdrivers.net are solely the views and opinions of the people posting them and do not necessarily reflect the views or opinions of us.

### Documents

#### 238 238

Dtails sur les calculs Calculs TRI%

#### Table des matires

File name : F_print_MP03_050426-PRINT.doc

#### Print data : 2005/4/27

253 253

Cash-Flow Calculations Bond Calculations Depreciation Calculations Sum and Statistics Forecasting Equations Used in (Chapter 14) Canadian Mortgages Odd-Period Calculations Advance Payments Modified Internal Rate of Return

#### Menu Maps

266 266

RPN: Summary About RPN About RPN on the hp 17bII+ Setting RPN Mode Where the RPN Functions Are Doing Calculations in RPN Arithmetic Topics Affected by RPN Mode Simple Arithmetic Calculations with STO and RCL Chain CalculationsNo Parentheses!

RPN: The Stack What the Stack Is Reviewing the Stack (Roll Down) Exchanging the X- and Y-Registers in the Stack ArithmeticHow the Stack Does It How ENTER Works Clearing Numbers The LAST X Register Retrieving Numbers from LAST X

Reusing Numbers Chain Calculations Exercises

#### 276 283

RPN: Selected Examples Error Messages

#### List of Examples

The following list groups the examples by category. Getting Started Using Menus Using the Solver Arithmetic Calculating Simple Interest Unit Conversions Simple Interest at an Annual Rate (RPN example on page 276) General Business Calculations Percent Change Percent of Total Markup as a Percent of Cost Markup as a Percent of Price Using Shared Variables Return on Equity Currency Exchange Calculations Calculating an Exchange Rate Storing an Exchange Rate Converting between Hong Kong and U.S Dollars Time Value of Money A Car Loan A Home Mortgage A Mortgage with a Balloon Payment A Savings Account

#### 53 159

208 214

An Individual Retirement Account Calculating a Lease Payment Present Value of a Lease with Advanced Payments and Option to Buy Displaying an Amortization Schedule for a Home Mortgage Printing an Amortization Schedule Calculations for a Loan with an Odd First Period Discounted Mortgage APR for a Loan with Fees (RPN example on page 276) Loan from the Lenders Point of View (RPN example on page 277) Loan with an Odd First Period Loan with an Odd First Period Plus Balloon Canadian Mortgage Leasing with Advance Payments A Fund with Regular Withdrawals Savings for College (RPN example on page 278) Tax-Free Account (RPN example on page 280) Taxable Retirement Account (RPN example on page 282) Insurance Policy Interest Rate Conversions Converting from a Nominal to an Effective Interest Rate Balance of a Savings Account Cash Flow Calculations Entering Cash Flows Calculating IRR and NPV of an Investment An Investment with Grouped Cash Flows An Investment with Quarterly Returns Modified IRR

MAIN menu FIN BUS SUM TIME SOLVE CURRX

BUS menu %CHG %TOTL MU%C MU%P EXIT

#### MU%C menu

Press to choose the BUS menu. Then press to choose the MU%C menu. Press e to return to the previous menu. Pressing times returns you to the MAIN menu. Press

#### e enough

@A to return to the MAIN menu directly.

When a menu has more than six labels, the label appears at the far right. Use it to switch between sets of menu labels on the same level. Example: Using Menus. Refer to the menu map for MU%C (above) along with this example. The example calculates the percent markup on cost of a crate of oranges that a grocer buys for $4.10 and sells for $4.60. Step 1. Decide which menu you want to use. The MU%C (markup as a percent of cost) menu is our destination. If its not obvious to you which menu you need, look up the topic in the subject

index and examine the menu maps in appendix C. Displaying the MU%C menu: Step 2. Step 3. Step 4. To display the MAIN menu, press @A. This step lets you start from a known location on the menu map. Press to display the BUS menu. Press to display the MU%C menu.

Using the MU%C menu: Step 5. Key in the cost and press to store 4.10 as the COST.

#### Step 6. Step 7.

Key in the price and press to store 4.60 as the PRICE. Press to calculate the markup as a percent of cost. The answer: .

#### Step 8.

To leave the MU%C menu, press e twice (once to get back to the BUS menu, and again to get to the MAIN menu) or @A (to go directly to the MAIN menu).

#### Calculations Using Menus

Using menus to do calculations is easy. You dont have to remember in what order to enter numbers and in what order results come back. Instead, the menus guide you, as in the previous example. All the keys you need are together in the top row. The menu keys both store numbers for the calculations and start the calculations. The MU%C menu can calculate M%C, the percent markup on cost, given COST and PRICE.

Keys: Display: Keys: Display: 4.60 Store 4.60

#### ee < s

Switches to TVM menu; NOM% value is still in calculator line. Stores adjusted nominal interest rate in I%YR.

Sets 12 payments per 12 e year; Begin mode.

#### @ 25&

Stores 84 deposit periods, $25 per deposit, and no money before the first regular deposit. Value of account in 7 years.

If the interest rate were the unknown, you would first do the TVM calculation to get I%YR (5.01). Then, in the ICNV PER menu, store 5.01 as NOM% and 12 as P for monthly compounding. Calculate EFF% (5.13). Then change P to 365 for daily compounding and calculate NOM% (5.00). This is the banks rate.

#### Cash Flow Calculations

The cash flow (CFLO) menu stores and analyzes cash flows (money received or paid out) of unequal (ungrouped) amounts that occur at regular intervals.* Once youve entered the cash flows into a list, you can calculate: The total amount of the cash flows. The internal rate of return (IRR%). The net present value (NPV), net uniform series (NUS), and net future value (NFV) for a specified periodic interest rate (I%). You can store many separate lists of cash flows. The maximum number depends on the amount of available calculator memory.

#### The CFLO menu

The CFLO menu creates cash-flow lists and performs calculations with a list of cash flows.

* You can also use CFLO with cash flows of equal amounts, but these are

usually handled more easily by the TVM menu.

7: Cash Flow Calculations

Table 7-1. CFLO Menu Labels Menu Label Description

Accesses the CALC menu to calculate TOTAL, IRR%, NPV, NUS, NFV. Allows you to insert cash flows into a list. Deletes cash flows from a list. Allows you to name a list. Allows you to switch from one list to another or create a new list. Turns the prompting for #TIMES on and off.

To see the calculator line when this menu is in the display, press I once. (This does not affect number entry.) To see this menu when the calculator line is in the display, press

The sign conventions used for cash flow calculations are the same as those used in time-value-of-money calculations. A typical series of cash flows is one of two types: Ungrouped cash flows. These occur in series of cash flows without groups of equal, consecutive flows.* Because each flow is different from the one before it, the number of times each flow occurs is one.

The name can be up to 22 characters long and include any character except: x ( ) < > : = space * But only the first three to five characters (depending on letter widths) of the name are used for a menu label. Avoid names with the same first characters, since their menu labels will look alike. Viewing the Name of the Current List. Press , then

* SUM does accept these exceptional characters in list names, but the Solver

functions SIZES and ITEM do not.

126 10: Running Total and Statistics

When you press , the SUM list that appears is the last one used. To start a new list or switch to a different one, the current list must be named or cleared. If it is named, then: 1. Press. The GET menu contains a menu label for each named list plus. 2. Press the key for the desired list. ( brings up a new, empty list.)

Clearing a SUM List and Its Name

2. If the list is named, youll see Press to remove the name. Press to retain the name with an empty list. To remove just one value at a time from a list, use.

Doing Statistical Calculations (CALC)

Once you have entered a list of numbers, you can calculate the following values. For one variable: the total, mean, median, standard deviation, range, minimum, and maximum. You can also sort the numbers in order of increasing value. For two variables: x-estimates and y-estimates (this is also called forecasting), the correlation coefficient for different types of curves (this is curve-fitting), the slope and y-intercept of the line, and summation statistics. You can also find the weighted mean and the grouped standard deviation.

10: Running Total and Statistics 127

Calculations with One Variable

The CALC menu calculates the following statistical values using one SUM list.

Table 10-2. The CALC Menu for SUM Lists Menu Key Description

Calculates the sum of the numbers in the list. Calculates the arithmetic mean (average). Calculates the median. Calculates the standard deviation.* Calculates the difference between the largest and smallest number.

Finds the smallest (minimum) number in the list. Finds the largest (maximum) number in the list. Sorts the list in ascending order. Displays a series of menus for calculations with two variables for curve fitting, estimation, weighted mean and grouped standard deviation, and summation statistics.

* The calculator finds the sample standard deviation. The formula assumes

that the list of numbers is a sampling of a larger, complete set of data. If the list is, in fact, the entire set of data, the true population standard deviation can be computed by calculating the mean of the original list, placing that value into the list, and then calculating the standard deviation.

Example: Mean, Median, and Standard Deviation. Suppose your shop had the following phone bills during the past six months:

#### Linear Curve Fit y y

Exponential Curve Fit

Logarithmic Curve Fit y y

#### Power Curve Fit

* The exponential, logarithmic, and power models are calculated using

transformations that allow the data to be fitted by standard linear regression. The equations for these transformations appear in appendix B. The logarithmic model requires positive x-values; the exponential model requires positive y-values; and the power curve requires positive x- and y-values.

10: Running Total and Statistics 133

To do curve fitting and forecasting : 1. Enter the data into two SUM lists: one for the x-values and one for the y-values. Make sure each list has the same number of items so that the items are in matched pairs. 2. From the SUM menu, press to display a menu of SUM-list names. The current list is labeled unless named otherwise. 3. Press a menu key to select a list of x-values (independent variable). 4. Select a list of y-values (dependent variable). 5. Now you see the FRCST menu. Whichever curve-fitting model was used last is named in the display. If you want to select a different model, press , and then the menu key for the model.

6. To calculate the curve-fitting results, press, , and. 7. To forecast (estimate) a value: a. b. Key in the known value and press the menu key for that variable. Press the menu key for the variable whose value you want to forecast.

Example: Curve Fitting. BJs Dahlia Garden advertises on a local radio station. For the past six weeks, the manager has kept records of the number of minutes of advertising that were purchased, and the sales for that week.

134 10: Running Total and Statistics

Number of Minutes of Radio Advertising (x-values, MINUTES)

Week 1 Week 2 Week 3 Week 4 Week 5 Week 4

Dollar Sales (y-values, SALES)

$1,400 $ 920 $1,100 $2,265 $2,890 $2,200

BJs wants to determine whether there is a linear relationship between the amount of radio advertising and the weekly sales. If a strong relationship exists, BJs wants to use the relationship to forecast sales. A graph of the data looks like this:

Acknowledging an Appointment

To acknowledge the appointment and clear the message, press any key (except @) during the beeping. Appointments not acknowledged within 20 seconds become past due. When an appointment comes due, the alarm starts beeping and the alarm annunciator ( ) is displayed, even if the calculator was off.* The message (or, if none, the time and date) is displayed.

* If the calculator is in the middle of a complex calculation when an

appointment comes due, the alarm annunciator comes on and the calculator beeps once. When the calculation is done, the alarm goes off.

The beeping can be suppressed or restricted to appointments. See Beeper

#### On and Off, page 36.

11: Time, Appointments, and Date Arithmetic 147

Unacknowledged Appointments

An appointment not acknowledged during its alarm becomes past due. The alarm annunciator remains on. To acknowledge a past-due appointment: 1. Press . 2. Press the menu key for the past-due appointment. 3. Press e to return to the APPT menu. The acknowledged appointment is no longer listed as past due. A repeating appointment is deactivated while it is past due and will not go off subsequently until the past-due appointment has been acknowledged.

#### Clearing Appointments

To cancel an appointment or to get rid of a repeating appointment, you need to clear the appointment. Clearing changes the date and time to 00/00/00, 12:00 AM, and removes the message and the repeat interval. To clear an appointment, press the menu label for that appointment and press @c To clear all ten appointments, display the APPT menu (the menu with , etc.) and press @c. Example: Clearing and Setting an Appointment. Today is Sunday, April 20, 2003. You want to set appointment #4 to go off every Tuesday at 2:15 p.m. to remind you of a staff meeting. Assume 12-hour time format and month/day/year date format.

#### Displays setting for

148 11: Time, Appointments, and Date Arithmetic

appointment #4. Clears appt. #4. Displays RPT menu. Sets repeat interval. Stores appt. time and supplies current date. Sets appt. time to PM. Stores appt. date. Enters message: staff.

Returns to APPT menu Appt. 4 is set.

#### Date Arithmetic (CALC)

The CALC menu performs date arithmetic: Determines the day of the week for any date. Determines the number of days between dates using one of three calendarsactual, 365-day, or 360-day. Adds or subtracts days from a date to determine a new date. The calendar for date arithmetic runs from October 15, 1582 to December 31, 9999. To display the CALC menu, press , then.

11: Time, Appointments, and Date Arithmetic 149

Table 11-4. CALC Menu Labels for Date Arithmetic Menu Label Description

Stores or calculates a date. Also displays the day of the week. If you omit the year, the calculator uses the current year. Stores or calculates the number of actual days between DATE1 and DATE2 , recognizing leap years. Calculates the number of days between DATE1 and DATE2 using the 360-day calendar (30-day months). Calculates the number of days between DATE1 and DATE2, using the 365-day calendar, ignoring leap years. A shortcut: recalls the current date, which can then be stored in DATE1 or DATE2.

The calculator retains the values for the TIME CALC variables DATE1, DATE2, DAYS until you clear them by pressing @c while the CALC menu is displayed. To see what value is currently stored in a variable, press label.

Determining the Day of the Week for Any Date

To find the day of the week for any date, key in the date and press or.

Calculating the Number of Days between Dates

To calculate the number of days between two dates: 1. Key in the first date (for todays date, use ) and press.

150 11: Time, Appointments, and Date Arithmetic

2. Key in the second date and press. 3. Press , , or to calculate the number of days using that calendar. Example: Calculating the Number of Days between Two Dates. Find the number of days between April 20, 2003 and August 2, 2040, using both the actual calendar and the 365-day calendar. Assume the date format is month/day/year.

#### 4.202003

Displays CALC menu. Stores Apr. 20, 2003 as first date and displays its day of the week. Stores Aug. 2, 2040 as second date. Calculates actual number of intervening days.

#### 8.022040

Calculates number of intervening days by a 365-day calendar.

Calculating Past or Future Dates

To calculate a date a specified number of days from another date: 1. Key in the known date (for todays date, use ) and press. 2. Key in the number of days. This number should be negative if the unknown date precedes the known date. Press.

11: Time, Appointments, and Date Arithmetic 151

3. Press. This calculation always uses the actual calendar. Example: Determining a Future Date. On February 9, 2003, you purchase a 120-day option on a piece of land. Determine the expiration date. Assume the date format is month/day/year.

#### 2.092003

Displays CALC menu. Stores Feb. 9, 2003.

Stores number of days into the future. Calculates expiration date (DATE2).

152 11: Time, Appointments, and Date Arithmetic

#### The Equation Solver

The Equation Solver (the SOLVE menu) stores equations that you enter and creates menus for them. You can then use those menus to do calculations. Enter Solver equations in algebraic form regardless of the calculation mode (ALG or RPN). The Solver can store many equationsthe number and length of equations is limited only by the amount of memory available. The equations are stored in a list.

#### DELETE

Solver Example: Sales Forecasts

Suppose part of your job includes making sales forecasts, and that these forecasts are revised based on new information. For instance, A change in the price of the product will affect sales by a forecasted percentage, A%. A change in sales-force training will affect sales by a forecasted percentage, B%. A competitors new product will affect sales by a forecasted percentage, C%.

SIZEC(CFLO-listname) SIZES(SUM-listname) SPFV(i%:n)

#### SPPV(i%:n)

SQ(x) SQRT(x) #T(CFLO-listname:flow#) TRN(x:y)

#### USFV(i%:n)

USPV(i%:n)

12: The Equation Solver 171

Example Using a Solver Function (USPV): Calculations for a Loan with an Odd First Period. Suppose an auto purchase is financed with a $6,000 loan at 13.5% annual interest. There are 36 monthly payments starting in one month and five days. What is the payment amount? Use the following formula when the time until the first payment is more than one month but less than two months. Interest for this odd (non-integer) period is calculated by multiplying the monthly interest by the number of days and dividing by 30. The formula for this loan is:

N ANNI + ANNI DAYS 1200 PV 1 + + PMT ANNI 1200

#### = 0

where:

ANNI the annual percentage interest rate. N the number of payment periods. DAYS the number of leftover, odd days (an integer from 0 through 30). PV the amount of the loan. PMT the monthly payment.

The formula can be rearranged and simplified using USPV, the Solver function for returning the present value of a uniform series of payments: The keystrokes are: PV

*( 1 + ANNI / 1200 * DAYS / 30 ) + PMT * USPV ( ANNI / 12:N )= 0

172 12: The Equation Solver

#### Keys: @]

(type in equation as shown above)

Displays SOLVE menu and bottom of Solver list. Displays ALPHA menu. Remember that the colon is located after.

(Press ) Enters equation, verifies it, and creates menu. Stores loan amount in

#### 6000 13.5

Stores annual percent interest in ANNI. Stores number of odd days in

Stores number of payments in

Calculates monthly PMT of $203.99.

12: The Equation Solver 173

Conditional Expressions with IF

Equations can include conditional expressions using the function IF. The syntax of the IF function is: IFconditional expression algebraic expression algebraic expression

#### @c e

v1000000 * v12 %/

#### 12 1000000

v- 3 %=

Loan with an Odd (Partial) First Period

The TVM menu deals with financial transactions in which each payment period is the same length. However, situations exist in which the first payment period is not the same length as the remaining periods. This first period is sometimes called an odd or partial first period. The following Solver equation calculates N, I%, PV, PMT, or FV for transactions involving an odd first period, using simple interest for the odd period. The formula is valid for 0 to 59 days from inception to

14: Additional Examples 195

first payment, and a 30-day month is assumed.* A Solver Equation for Odd-Period Calculations: (For the character, press .)

PV = the loan amount. I% = the periodic interest rate. DAYS = the actual number of days until the first payment is made. PMT = the periodic payment. N = the total number of payment periods. FV = the balloon payment. A balloon payment occurs at the end of the last (Nth) period and is in addition to any periodic payment.

The following examples assume that you have entered the equation named ODD, above, into the Solver. For instructions on entering Solver equations, see Solving Your Own Equations, on page 29. Example: Loan with an Odd First Period. A 36-month loan for $4,500 has an annual interest rate of 15%. If the first payment is made in 46 days, what is the monthly payment amount? Select equation ODD in the Solver.

Creates menu. 36 payment periods. Stores loan amount. Stores periodic, monthly

#### v15 / 12

* You do not need to specify Begin or End mode. If the number of days until the

first payment is less than 30, Begin mode is assumed. If the number of days until the first payment is between 30 and 59, inclusive, End mode is assumed.

196 14: Additional Examples

interest rate. Stores days until first payment. No balloon payment. Calculates payment.

Example: Loan with an Odd First Period Plus Balloon. A $10,000 loan has 24 monthly payments of $400, plus a balloon payment of $3,000 at the end of the 24th month. If the payments begin in 8 days, what annual interest rate is being charged? Select equation ODD.

#### v8.175 - 28 % v

0 3000

Modified Internal Rate of Return

When there is more than one sign change (positive to negative or negative to positive) in a series of cash flows, there is a potential for more than one IRR%. For example, the cash-flow sequence in the following example has three sign changes and hence up to three potential internal rates of return. (This particular example has three positive real answers: 1.86, 14.35, and 29.02% monthly.) The Modified Internal Rate of Return (MIRR) procedure is an alternative that can be used when your cash-flow situation has multiple sign changes. The procedure eliminates the sign change problem by utilizing reinvestment and borrowing rates that you specify. Negative cash flows are discounted at a safe rate that reflects the return on an investment in

14: Additional Examples 209

a liquid account. The figure generally used is a short-term security (T-bill) or bank passbook rate. Positive cash flows are reinvested at a reinvestment rate that reflects the return on an investment of comparable risk. An average return rate on recent market investments might be used. 1. In the CFLO menu, calculate the present value of the negative cash flows (NPV) at the safe rate and store the result in register 0. Enter zero for any cash flow that is positive. 2. Calculate the future value of the positive cash flows (NFV) at the reinvestment rate and store the result in register 1. Enter zero for any cash flow that is negative. 3. In the TVM menu, store the total number of periods in N, the NPV result in PV, and the NFV result in FV. 4. Press to calculate the periodic interest rate. This is the modified internal rate of return, MIRR. Example: Modified IRR. An investor has an investment opportunity with the following cash flows:

Group No. of Months (FLOW no.) (#TIMES)

#### Cash Flow, $

180,000 100,000 100,200,000

Calculate the MIRR using a safe rate of 8% and a reinvestment (risk) rate of 13%.

Displays current cash-flow list. Clears current list or gets a

210 14: Additional Examples

new one. Stores initial cash flow,

#### 180000 &

FLOW(0).

Stores FLOW(1) as zero since the flow amount is positive.

#### 5I 100000 &

Stores 5 for #TIMES(1). Stores FLOW(2). Stores FLOW(2) 5 times. You can skip FLOW(3) and FLOW(4) because they are equal to zero for this part.

Stores monthly safe interest rate. Calculates NPV of negative cash flows. Stores NPV in register 0. Returns to CFLO menu. Clears list. Stores zero as FLOW(0). (Skip negative flows; store positive flows.)

Watch for this symbol in the margin earlier in the manual. It identifies keystrokes that are shown in ALG mode and must be performed differently in RPN mode. Appendixes D, E, and F explain how to use your calculator in RPN mode. The mode affects only arithmetic calculationsall other operations, including the Solver, work the same in RPN and ALG modes.

#### Setting RPN Mode

The calculator operates in either RPN (Reverse Polish Notation) or ALG (Algebraic) mode. This mode determines the operating logic used for arithmetic calculations.

To select RPN mode: Press

The calculator responds by displaying . This mode remains until you change it. The display shows the X register from the stack.

To select ALG mode: Press .

@>. The calculator displays

#### 262 D: RPN: Summary

Where the RPN Functions Are

#### Function Name

ENTER LASTX R R X<>Y CHS

#### Definition

Enters and separates one number from the next. Recalls last number in X-register. Rolls down stack contents. Rolls up stack contents. X-register exchanges with Y-register. Changes sign.

#### Key to Use

= @L ~ (same as () [ (except in lists) x (same as )) &

#### D: RPN: Summary 263

Using INPUT for ENTER and for R. Except in CFLO and SUM lists, the I key also performs the E function and the ] key also performs the ~ function.

In lists: I stores numbers. Use = to enter numbers into the stack during arithmetic calculations. In lists: [ and ] move through lists. Use ~ to roll through stack contents.

Doing Calculations in RPN

Arithmetic Topics Affected by RPN Mode

This discussion of arithmetic using RPN replaces those parts of chapter 2 that are affected by RPN mode. These operations are affected by RPN mode: Two-number arithmetic (+, *, -, /, u). The percent function (%). The LAST X function (@L). See appendix E. RPN mode does not affect the MATH menu, recalling and storing numbers, arithmetic done inside registers, scientific notation, numeric precision, or the range of numbers available on the calculator, all of which are covered in chapter 2.

#### Simple Arithmetic

Here are some examples of simple arithmetic. Notice that

E separates numbers that you key in. The operator (+, -, etc.) completes the calculation. One-number functions (such as v) work the same in ALG and RPN

#### modes.

264 D: RPN: Summary

To select RPN mode, press @>.

#### To Calculate:

12 + x 3 12

#### Press:

276 F: RPN: Selected Examples

adjust the mortgage amount to reflect the points paid (PV = $60,000 2%). All other values remain the same (term is 30 years; no future value).

#### 30 @ 11.0

R 2 %-

Example: Loan from the Lenders Point of View. A $1,000,000 10-year, 12% (annual interest) interest-only loan has an origination fee of 3 points. What is the yield to the lender? Assume that monthly payments of interest are made. (Before figuring the yield, you must calculate the monthly PMT = (loan x 12%) 12 mos.) When calculating the I%YR, the FV (a balloon payment) is the entire loan amount, or $1,000,000, while the PV is the loan amount minus the points.

F: RPN: Selected Examples 277

#### 10 @ 1000000 E 12 % 12 /

Stores total number of payments. Calculates annual interest on $1,000,000. Calculates, then stores, monthly payment. Stores entire loan amount as balloon payment. Calculates, then stores, amount borrowed (total points). Calculates APRthe yield to lender.

#### 1000000 3%-&

Example: Savings for College. Your daughter will be going to college in 12 years and you are starting a fund for her education. She will need $15,000 at the beginning of each year for four years. The fund earns 9% annually, compounded monthly. You plan to make monthly deposits, starting at the end of the current month. How much should you deposit each month to meet her educational expenses?

See figures 14-1 and 14-2 (chapter 14) for the cash-flow diagrams. Remember to press the = key for E while working in a list. (Pressing I will add data to the list, not perform an ENTER.)

278 F: RPN: Selected Examples

Step 1: Set up a CFLO list.

Sets initial cash flow, FLOW(0), to zero. Stores zero in FLOW(1) and prompts for the number of times it occurs.

#### 12 E 12 * 1 - I

For E, press =, not I. Stores 143 (for 11 years, 11 months) in #TIMES(1) for FLOW(1).

#### 15000 I

Stores amount of first withdrawal, at end of 12th year.

Stores cash flows of zero.. for the next 11 months. Stores second withdrawal, for sophomore year.

#### 11 I 15000 II

F: RPN: Selected Examples 279

0 I 11 I 15000 II 0 I 11 I 15000 II

Stores cash flows of zero for the next 11 months. Stores third withdrawal, for junior year. Stores cash flows of zero for the next 11 months. Stores fourth withdrawal, for senior year.

Done entering cash flows;

#### gets CALC menu.

Step 2: Calculate NUS for the monthly deposit. Then calculate net present value.

#### 298 Index

Iteration in Solver, 17983, 240, 24246

LN, 170 LNP1, 170 Loan amortizing, 7783 APR for, with fees, 193 LOG, 170 Logarithmic model, 130, 132, 133 Logarithms, 42, 170 Logical operators, 174 Low memory, 227 Low power, 224 and printing, 184 annunciator, 184

, 115 , 132 , 186 , 42 , 42

#### L, 44 in RPN, 273

L, 170 Language, setting, 224 Large number available, 47 in a list, 128 Large numbers, keying in and displaying, 47 Last result, copying, 44 LAST X register, RPN, 273 Leasing, 7477, 199200 LEFT-RIGHT, interpreting, 24246 Letter keys, 30 Linear estimation, 121, 13234 Linear model, 130, 133 Linear regression, 121 List. See CFLO list; SUM list; Solver list List, RPN, 264 rolling the stack, 269

, 132 , 109 , 49, 53 , 52, 128 , 128 , 128 , 128 , 132

in appointment setting menu, 145 in printer men, 186 , 143

#### , 56 key, 25

@A, 2226 @M, 37

#### Index 299

MAIN menu, 19 Manual, organization of, 16 Markup on cost, 49, 52 on price, 49, 52 Math in equations, 165, 167 MATH menu, 42, 260 MAX, 170 Mean, 251 calculating, 12830 weighted, 13839 Median, 251 calculating, 12830 Memory. See also Continuous Memory freeing, 227 insufficient, 227 losing, 229 using and reusing, 37 Menu labels, 19 maps, 25, 25460 Menus calculations with, 2728 changing, 25, 28 exiting, 28 names of, 161 printing values stored in, 18688 sharing variables, 53 Messages for appointments, 147 Messages, error, 283 MIN, Solver, 170

MOD, 170 Mode of payments (Begin and End), 64 Models, curve-fitting, 132, 133 Modes

, 36, 26162, 265 , 36, 261, 262

@>, 185 beeper, 36 double-space printing, 36, 185 menu map, 260 printer ac adapter, 36

Modified IRR, 20912, 253 Month/day/year format, 14344 Mortgage, 68, 69. See also Loan calculations, 6771, 7780 discounted or premium, 191 Moving average, 21719 MU%C, 50 equation, 247 MU%P, 50 equation, 247 Multiple equations, linking, 178 Multiplication in arithmetic, 21, 3840 in equations, 165

#### , 56 , 78

300 Index

in CFLO list, 9899 in SUM list, 126

equation, 249 Noise Declaration, 237 Nominal interest rate, 8487, 100 Non-integer period, 172 NOT, 174 Notes, discounted, 21617 NPV calculating, 100101 equation, 100, 248 Number lists. See CFLO list; SUM list; Solver list of days between dates, 14951 of decimal points, 47 of payments, in TVM, 62 range, 48 Numbers. See also Value entering, RPN, 264, 271 with exponents, 47 Numerical solutions, 17981 NUS, 100, 249

, 101 , 101 , 101 , 157 , 56 , 56 , 56 , 42 , 8586 @ , 63

N, non-integer, 63, 72 Names of equations, 161 of lists, clearing, 99 of variables, 166 Negative numbers in arithmetic calculations, 22 in cash-flow calculations, 9294 in TVM calculations, 64 Neighbors in Solver, 243 Nested IF function, in the Solver, 175 Net future value, 91, 101 Net present value, 91, 101 Net uniform series, 91, 101 NFV calculating, 91, 101

The gift that keeps on giving for Dads and Grads! The perfect gift is one that is memorable, fun, practical and that keeps giving for years to come. Too difficult to find for that Grad or Dad? See why HP calculators might be exactly what you are looking for.

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Volume 5 June 2008 Welcome to the fifth edition of the HP Solve newsletter. Learn calculation concepts, get advice to help you succeed in the office or the classroom, and be the first to find out about new HP calculating solutions and special offers. Featured Calculator

#### Your articles

Lets extrapolate the population growth in the US! Build upon what you have learned from the HP calculator e-newsletter in this month's exercise. With sequences and statistics and a little help from your HP calculator you can learn to extrapolate the US population growth.

The HP 12c: the industry standard for finance professionals and the worlds first horizontal financial calculator This oldie-but-goodie calculator revolutionized calculating and became a staple to millions of users. Read the stories of the lives the HP 12c has touched and learn how to get your own.

HP 17bII+ Financial Calculator Trust the HP 17bII+ financial calculator with even your heaviest work loads. This handy calculator is preferred in business, real estate and other financial endeavors and happens to be the HP calculator of the month!

HP calculator sales promotions buy in bulk and save! A new promotion was recently launched to create special discounts and savings for financial institutions using HP calculators. Get the promotion details and sneak-peaks into upcoming promotions!

Special Newsletter Discount As a reward for all the loyal readers out there, you can now save 10% on the HP 17bII+ Financial Calculator! Stay tuned next month for more great savings!

HP Calculator Blog Check out Wing Kin Cheung's blog, "The Calculating World with Wing and You."

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The Calculator Club Join the Calculator Club and take advantage of: The Technical Corner Learn how your HP calculator finds the square root of a number in this months technical corner. RPN Tip #5 This months RPN tip teaches you to calculate the number of attendees at a sporting event and can be translated to other like mathematical equations. Learn more with this months RPN tip. Calculator games & Aplets PC/Mac screensavers & backgrounds HP Calculator fonts Custom calculator pouches HP Calculator forum

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Upcoming HP Calculator events Event ASEE NECC AP Annual WIPTE Educause Dates - Location June 22-25 - Pittsburgh, PA June 29-July 2 - San Antonio, TX July 16-20 - Seattle, WA October 15-16 - Westville, IN October 28-31 - Orlando, FL

The gift that keeps on giving for Dads and Grads!

Article Next Are you looking for the perfect gift for the Dad or Grad in your life? Finding the right gift can be very difficult. We know you want to give something fun, but also something memorable, practical and something that will keep on giving for years to come. That perfect gift they will remember, it came from you! HP calculating solutions might be the perfect gift for your special Dad or Grad. HP recommends our most powerful calculators: HP 17bII+ Financial Calculator HP 35s Scientific Calculator HP 50g Graphing Calculator

Whether your special family member is or aspires to be a real estate tycoon, financial markets wizard, Nobel Prize winning scientist, world renowned mathematician, or professor emeritus in engineering at MIT, HP calculating solutions is the tool of choice for these intelligent leaders and many thought leaders around the world. Give them the gift that speaks to them, supports them, and enables them to be efficient, effective, and successful. Celebrate their achievements with HP calculating solutions. Save 10% on an HP 17bII+ Financial Calculator right now. Ideal for real estate, finance and business professionals, the HP 17bII+ features a simple keyboard, 250 menu-driven functions, RPN1 and algebraic entry-system logic. And now, for this month only, it is 10% off for newsletter readers only. After adding your calculator to your shopping cart, insert coupon code CL1414 at checkout. Expires June 30th, 2008. Restrictions apply*. Click here to get your special discount. * Offer expires June 30th, 2008. Valid for HP Home & Home Office internet and call center purchases only. Any unused portion will be forfeited. Each coupon code is limited to one usage per customer; one coupon code per checkout. Offer void where prohibited, taxed or restricted by law. Non-transferable. Not valid retroactively on previously purchased items. Not valid for any resale activity as defined by HP Home & Home Office Store. Coupons may not be used to purchase gift cards. Not valid on instant rebates or clearance sales. For complete coupon conditions, see "Coupon Information" in the "Customer Service" section at HP Home & Home Office. Click here for more information about the HP Calculators.

Feature calculator of the month: HP 17bII+ Financial Calculator

Previous Article Next New! HP 17bII+ Financial Calculator industrial design (silver). The simple-to-use HP 17bII+ Financial Calculator is built for the heaviest workloads of real estate, finance, and business professionals WW. Quickly calculate loan payments, interest rates and conversions, standard deviation, percent, TVM, NPV, IRR, cash flows, bonds and more. Features 28KB of user memory, over 250 menu-driven functions, RPN1 2

and algebraic entry-system logic, clock, calendar, HP solve application2, menus prompts and messages. Permitted for use on Certified Financial Planner (CFP) Certification Exam3 Fun facts about the new HP 17bII+ Financial Calculator (silver): Born: January 8, 2008 The 17bII+ (classic) replaced the 17BII, which was introduced in January of 1990 and it replaced the original HP17B, which was released on January 4th, 1988. The current HP17BII+ keyboard represents a return to the double-wide INPUT key which was present in the original HP17B (Jan 1988) and the HP17BII (Jan 1990). HP has used the model number 10 five times for scientific, printing, and business machines the original HP-10, HP-10C, HP-10B, HP-10BII, & HP10s. The model number 17 has been used for the "same" business machine with variations HP17B, HP17BII, HP17BII+ (gold) & HP17BII+ (silver).

Click here for more information about the HP 17bII+ Financial Calculator.

1. Reverse Polish Notation (RPN) is an efficient data-entry system that can significantly reduce keystrokes. More information is available at HP.com. 2. HP Solve is a time-saving application that allows you to solve for any variable without rewriting your equation. 3. CFP is a registered trademark of the Certified Financial Planner Board of Standards, Inc.

#### RPN Tip #5

Previous Article Next You are assigned the task of counting the people who attend a high school foot ball game by standing at the door. You dont have a mechanical push button counter, but you have your trusty RPN calculator. You prepare the machine to act as an electronic counter by pressing 1, ENTER, ENTER, ENTER, CHS, +. In place of CHS + you may save a keystroke if your machine has a correction key (such as the HP35s) by pressing it ( ). This also allows you to start a new count at any time. In place of CHS + you may also save a keystroke if you press zero. This method, however, will not terminate digit entry so the next keystroke should be your first count. You now have zero in the display (X register) and 1s in the Y, Z, & T registers. Every time you press the + key you will add 1 to the X register. This counter action occurs because of the RPN feature of replicating the T register every time the stack drops (as when you perform an addition). If you need to subtract a count press 1, - or -, CHS. Click here to learn more about RPN.

Lets extrapolate the population growth in the US!

Previous Article Next The previous activity looked at population data (overall and Hispanic) for both Texas and the United States. For this activity, we will focus on the Hispanic and overall population for the US. Examine the data. Does the US Hispanic population appear to be roughly linear? What about the total US? This activity will tie together two previous ideas you have worked with: sequences and statistics. First, you will explore the data using the ideas of common difference and common ratio from your work with sequences. You will then use the statistics aplet to see how accurate your sequence representations are by making predictions. You will also work with an aplet that has to be put on your calculator. Year US Hispanic Population 9,589,216 14,608,673 22,354,059 35,305,818 US Total Population 203,210,158 226,545,805 248,709,873 281,421,906

Exercise 1: Use the Sequence aplet to enter information about the US Total Population. 1. 2. What should U1(1) and U1(2) be? When you enter an expression for the data, will you use a common difference or a common ratio? How did you make that determination? How did you come up with that number you used in your symbolic formula? Create the table for your sequence on the calculator. How does the table shown on the calculator compare to the data in the table given in this problem? If there are differences, how do you explain them?

Now look at the US Hispanic Population. 5. 6. What should U2(1) and U2(2) be? When you enter an expression for the data, will you use a common difference or a common ratio? How did you make that determination? How did you come up with that number you used in your symbolic formula? Create the table for your sequence on the calculator. How does the table shown on the calculator compare to the data in the table given in this problem? If there are differences, how do you explain them.

Exercise 2: Lets now examine the data using the aplet TXY2K. Click here to download the TXY2K applet. Be sure to save the TXY2K applet to your desktop. Then connect your 39gs to your computer and be sure to 4

download the applet to calculator as a folder. Before you can answer any questions, you have to complete the downloading process of the aplet on your calculator. Once you have the aplet, make sure you can see the data for this problem in the NUM view. 1. Use the data for the total US population and find a model to fit the data. Which model did you choose? Why? Explain any similarities and differences between the model found using statistics and the formula you used in the sequence aplet. Use the data for the US Hispanic population and find a model to fit the data. Which model did you choose? Why? Explain any similarities and differences between the model found using statistics and the formula you used in the sequence aplet.

Exercise 3: In this exercise, rather than exploring the Hispanic population separate from the total US population, you will look at the ratio of the two populations. 1. To look at the US Hispanic population compared to the total US population, graph the year and the ratio of Hispanic to total. Describe the pattern you see. Use the statistics aplet to develop a model for the ratio of Hispanic to total. Use this model to predict when the Hispanic population will be at least 50% of the US population. Go back to your sequence aplet and look at the tables you created for the Hispanic population and total US population. According to this table, when is the Hispanic population at lease 50% of the total US population? Does this match your answer from the statistics model? Explain any differences that may occur.

Teacher Notes The following TEKS can be found in this activity. The TEKS are listed in grade-level order, not the order in which they appear in the activity. Also, some of the TEKS statements are abbreviated or paraphrased here. 6.2D: estimate and round to approximate reasonable results and to solve problems where exact answers are not required 6.3A: use ratios to describe proportional situations 6.3C: use ratios to make predictions in proportional situations 6.7: use coordinate geometry to identify location in two dimensions 7.5B: formulate problem situations when given a simple equation and formulate an equation when given a problem situation 7.7A: locate and name points on a coordinate plane using ordered pairs of integers 8.3A: compare and contrast proportional and non-proportional linear relationships 8.4: make connections among various representations of a numerical relationship 8.5A: predict, find, and justify solutions to application problems using appropriate tables, graphs, and algebraic equations Table 1: TEKS Covered, by Activity TEKS Covered 6.2D, 6.3A, 6.3C, 7.5B, 8.3A, 8.4, 8.5A 6.7, 7.5B, 7.7A, 8.4, 8.5A 6.2D, 6.3A, 6.3C, 6.7, 7.5B, 7.7A, 8.3A, 8.4, 8.5A

Activity Exercise 1 Exercise 2 Exercise 3 Answer Key 5

Exercise 1: 1. 2. U1(1) = 203,210,158 and U1(2) = 226,545,805 Students should realize they are looking at a common difference situation. Even though the differences are not exact, you are adding close to the same amount each time. Answers will vary. Students may just guess or base it on the approximate difference in the population in 1970 and 1980. Some student may add all the differences and divide by three to get the mean. For the answers shown here, we are using a common difference of 13,000,000

Below is the table based on the symbolic input shown in the previous problem.

There are two main differences. The values in the table appear in scientific notation and students will not be able to see the precise numbers. However, they should be able to see enough of the values to notice that these numbers are different than what was provided in the problem. 5. 6. U2(1) = 9,589,216 and U2(2) = 14,608,673 Students should realize that they are not dealing with a common difference in this problem. While they may not be able to immediately recognize a common ratio, it should be clear that if it is not a common difference, they should be checking for a common ratio. As with the common difference with the previous data, student answers will vary for the common ratio. They can use a guess and check method, choose only one of the ratios, or average the three. For the answers shown here, a common ratio of.15 is used.

Exercise 2: 1. A linear model since we used a common difference to set up an arithmetic sequence.

A linear model best represents an arithmetic sequence. However, the common difference used is not the same as the slope of our statistical model. An exponential model because we used a common ratio to define our sequence. An exponent model best represents a geometric sequence. However, the statistical fit is not the same as our sequence definition.

Exercise 3: In this exercise, rather than exploring the Hispanic population separate from the total US population, you will look at the ratio of the two populations. 1. The pattern appears to be exponential.

According to the statistical model, the US Hispanic population will be at least 50% between 2040 and 2050. A better approximation is between 2042 and 2043.

According to the table, the population will reach 50% sometime between 70 and 80 years past the original starting point of 1970, so between 2040 and 2050. 4. The data for the ratio in the table of sequences indicates that the choice of an exponential model is best. Differences in prediction values occur because of our choice of model. This is why predictions for population and other things will vary in different newspaper or magazine articles. When different mathematical models are used, different results can occur.

Click here for more information about the HP 39gs Graphing Calculator.

The industry standard for finance professionals and the worlds first horizontal financial calculator

Previous Article Next Some things just dont go out of style the original HP 12c hits 27 years in 2008. HP introduced a $150 pocket-sized device that revolutionized financial calculations for people on the move. Its innovative design and breakthrough Reverse Polish Notation (RPN) entry forever changed the way students and professionals reach their goals. Instantly recognized for its unique horizontal layout, the HP 12c financial calculator has sold in the millions to investors, real estate professionals, accountants, loan officers, business students and teachers. It is an iconic consumer electronics product that is still sold virtually unchanged under its original name and model number 27 years after it was introduced. The HP 12c thats sold today acts and looks just like it did when it was first snapped up by thousands of financial and real estate students and professionals at its worldwide debut. Few other products of industrial design have achieved such a classic distinction. HP still offers the HP 12c and it is still one of our most popular financial calculators today. It has touched many lives and you can see the story winners here: Tales of the AMAZING 12C story contest The HP 12c is approved for many courses and exams including the GARP FRM, CFP, CFA, AFP, CIIA, and MFA. Easily calculate loan payments, interest rates and conversions, standard deviation, percent, TVM, NPV, IRR, cash flows, bonds and more. Now you can solve all your financial calculations with the industry standard financial calculator. HP provides FREE calculator training specific to our calculator models. Check out the links below: Click here for FREE HP 12c CBT training Click here for FREE HP 12c intro to finance video training Click here for FREE HP 12c learning modules

HP calculator sales promotions buy in bulk and save!

Previous Article Next In May, HP officially launched our first external calculator sales promotion of the year. This program is aimed at providing additional discounts and benefits for financial institutions throughout the Western United States. The program, entitled Banking and Insurance Promotion, was launched through a direct mail campaign targeting specific financial institutions. With this promotion we are looking to create awareness of our high-end financial calculator line by informing customers of the many benefits of our calculators. We hope to illustrate how our 17bII+ financial calculator is a finance-savvy tool that can help people easily answer some of the toughest financial questions, such as: What will my new ARM payment be? Should I choose a car loan or a lease? Which APR will cost me the least? How much life insurance do I need? What will my savings be worth in 40 years? 8

In the upcoming months we expect to launch additional promotions aimed at our business customers throughout the world. These promotions will provide extra discounts, incentives, training, and programs for our biggest and best customers. Through these promotions our customers will receive extra discounts off our top-selling calculating solutions the larger the purchase the bigger the discount. We also plan to incorporate a buy 10 get one free promotion. This program will greatly reward our customers that purchase our calculators in bulk. Also, unlike the previous promotions this one will use a two-pronged approach by providing incentives to our customers and internal HP sales folks. It is clear our calculators are the perfect productivity tool for anyone involved in the financial industry. But, our calculators also make the perfect gift for your employees and your customers. So, next time you are thinking of a great gift consider purchasing HP calculators in bulk and at a discount for your customers and employees! For more information or to obtain a quote on a bulk purchase please go to the HP Calculator homepage, join the calculator club, and click on the link for HP discounts & special offers. On this page you will find the link to request discounted pricing for bulk purchases.

#### The Technical Corner

Previous Article Next Ever wonder how your HP Calculator finds the square root of a number? HP calculators stores numbers as a set of 3 items: a sign, + or -, a 12 digit number called mantissa always greater or equal to 100000000000 and an exponent. For example, 34.432 is stored as +, 344320000000, 1. To extract a square root of a number, the calculator makes use of the following mathematical fact:

n2 + n n2 result 0.5 = 0.5 * n + 2 = 2 result =1

Before calculating the square root, the calculator prepares the number by looking at the exponent. Mathematically, the exponent of the square root of a number is of the exponent of the original number (1e2=100 is the square root of 1e4=10000). But, there is an issue if the original exponent is odd, in this case, you can not divide it by 2, so if the exponent is even, the exponent is first decremented and the mantissa multiplied by 10 (which yield the same number). The number is then divided by 2 (because the formula equates the sum with n2/2). Then comes the real work, calculating the square root digits. To do that, the calculator successively removes result +0.5 from the original number with result incrementing from 0 to 9 until it can not do it anymore. This gives us n, an approximation of the square root of n2/2. Then the calculator repeats the process for the next digit until it has done it for all digits of the mantissa. Let us look at the algorithm in a pseudo computer language and try to apply it to the number 2 (sign:+ mantissa:200000000000 exponent:0) // calculate exponent of the result and modify the mantissa as needed. 9

if exponent is odd then mantissa= mantissa/10 and exponent= exponent-1 exponent= exponent/2 // divide the mantissa by 2 as per the algorithm mantissa= mantissa/2 // initialize increment for the first digit. // note that increment/2 is 0.5*increment! increment= 100000000000 result= 0 for i=12 to 0 while decrement i each time { while mantissa >= result+increment/2 repeat {

// for each of the 12 digits // see if we can remove result+0.5 // from mantissa // while we can do it, do it! // number = number // result+increment*0.5 // increment result // next digit! // next increment

mantissa= mantissa-result-increment/2

result= result + increment } mantissa= mantissa*10 increment= increment/10

// and we are done. exponent is the result exponent. // and result if the mantissa of the result! The following table shows the content of the various variables during the execution of the algorithm and show how the square root of 2 appears during the process. i mantissa 100,000,000,000 200,000,000,000 595,000,000,000 302,000,000,000 191,800,000,000 503,795,000,000 795,315,500,000 882,088,750,000 335,606,320,000 527,636,078,000 103,372,009,355 437,705,999,155 result 100,000,000,000 140,000,000,000 141,000,000,000 141,400,000,000 141,420,000,000 141,421,000,000 141,421,300,000 141,421,350,000 141,421,356,000 141,421,356,200 141,421,356,230 141,421,356,237 increment 100,000,000,000 10,000,000,000 1,000,000,000 100,000,000 10,000,000 1,000,000 100,000 10,000 1,10 1

Click here for more information about the HP Calculators.

Special Newsletter Discount

Previous Article Save 10% on an HP 17bII+ Financial Calculator right now. Ideal for real estate, finance and business professionals, the HP 17bII+ features a simple keyboard, 250 menu-driven functions, RPN1 and algebraic 10

entry-system logic. And now, for this month only, it is 10% off for newsletter readers only. After adding your calculator to your shopping cart, insert coupon code CL1414 at checkout. Expires June 30th, 2008. Restrictions apply*. Click here to get your special discount. * Offer expires June 30th, 2008. Valid for HP Home & Home Office internet and call center purchases only. Any unused portion will be forfeited. Each coupon code is limited to one usage per customer; one coupon code per checkout. Offer void where prohibited, taxed or restricted by law. Non-transferable. Not valid retroactively on previously purchased items. Not valid for any resale activity as defined by HP Home & Home Office Store. Coupons may not be used to purchase gift cards. Not valid on instant rebates or clearance sales. For complete coupon conditions, see "Coupon Information" in the "Customer Service" section at HP Home & Home Office.

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