Covered in:

Chapter 5
TVM: Time value of money:

(Finance)

Chapter 8 Chapter 9

Chapter 3

Chapter 10

Chapter 11

Chapter 12

Chapter 4

Choosing Menus and Reading Menu Maps
Below is a menu map illustrating one possible path through three levels of menus: from the MAIN menu to the BUS menu to the MU%C (markup as a percent of cost) menu. There are no menus that branch from the MU%C menu because the MU%C menu is a final destinationyou use it to do calculations, rather than to choose another menu.
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

Store 4.10

COST Keys: Display:

M%C Calculator Memory

Calculate 12.20
Then the same menu can calculate PRICE given COST and M%C.
Keys: Display: Keys: Display: 20

You see only these digits in 2.
.but these digits are also present internally.

Temporarily SHOWing ALL

To temporarily see a number with full precision, press @S.This shows you the ALL format for as long as you hold down S.
File name : 17bii+_English(MP04)-050730(Print)

Print data : 2005/7/30

Rounding a Number
The @r function rounds the number in the calculator line to the number of displayed decimal places. Subsequent calculations use the rounded value. Starting with two displayed decimal places:

D 4I D D 2I @S

(hold)
Four decimal places are displayed. All significant digits; trailing zeros dropped. Two decimal places are displayed. precision. Rounds the number to two decimal places.

Temporarily shows full

@r @S (hold)
Exchanging Periods and Commas in Numbers
To exchange the periods and commas used for the decimal point and digit separators in a number: 1. Press D to access the DSP (display) menu. 2. Specify the decimal point by pressing or. sets a period as the decimal point and comma as separator (U.S. mode). (For example, 1,000,000.00.) sets a comma as the decimal point and period as separator (non-U.S. mode). (For example, 1.000.000,00.) Pressing the digit Pressing the digit

Error Messages

Sometimes the calculator cannot do what you ask, such as when you press the wrong key or forget a number for a calculation. To help you correct the situation, the calculator beeps and displays a message. Press C or < to clear the error message. Press any other key to clear the message and perform that keys function. For more explanations, refer to the list of error messages just before the subject index.
Beeper. Beeping occurs when a wrong key is pressed, when an error occurs, and during alarms for appointments. You can suppress and reactivate the beeper in the MODES menu as follows: 1. Press

@>.

2. Pressing will simultaneously change and display the current setting for the beeper: beeps for errors and appointments. beeps only for appointments. silences the beeper completely. 3. Press

Displaying an Amortization Schedule
For amortization calculations, you need to know PV, I%YR, and PMT. If you have just finished doing these calculations with the TVM menu, then skip to step 3. To calculate and display an amortization schedule: * 1. Press to display the TVM menu.
* Amortization calculations use values of PV, PMT, and INT rounded to the
number of decimal places specified by the current display setting. A setting of
2 means that these calculations will be rounded to two decimal places.
2. Store the values for I%YR , PV, and PMT. (Press & to make PMT a negative number.) If you need to calculate one of these values, follow the instructions under Using the TVM Menu, on page 66. Then go on to step 3. 3. Press to display the rest of the TVM menu. 4. If necessary, change the number of payment periods per year stored in. 5. If necessary, change the payment mode by pressing or . (Most loan calculations use End mode.) 6. Press. (If you want to print the amortization schedule, go to page 82 to continue.) 7. Key in the number of payments to be amortized at one time and press. For example, to see a year of monthly payments at one time, set #P to 12. To amortize the entire life of a loan at one time, set #P equal to the total number of payments (N). If #P = 12, the display would show:
Number of payments amortized at one time
Current set of payments to be amortized

Press to see results

8.To display the results, press, , and (or press to view the results from the stack).
9. To continue calculating the schedule for subsequent payments, do a or b. To start the schedule over, do c. a. To calculate the next successive amortization schedule, with the same number of payments, press.
Next successive set of payments authorized
To calculate a subsequent schedule with a different number of payments, key in that number and press. To start over from payment #1 (using the same loan information), press @c and proceed from step 7.
Example: Displaying an Amortization Schedule. To purchase your new home, you have taken out a 30-year, $65,000 mortgage at 12.5% annual interest. Your monthly payment is $693.72. Calculate the amount of the first years and second years payments that are applied toward principal and interest. Then calculate the loan balance after 42 payments (3 years).
Displays TVM menu. Stores annual interest rate. Stores loan amount. Stores monthly payment. If needed: sets 12 payment periods per year; End mode. Displays AMRT menu.

65000 693.72

Calculates amortization schedule for first 12 payments, but does not display it.
Displays interest paid in first year. Displays principal paid in first year. Displays balance at end of first year. Calculates amortization schedule for next 12 payments.
Displays results for second year.
To calculate the balance after 42 payments (3 years), amortize 18 additional payments (422418): 18 Calculates amortization schedule for next 18 months.

@c. This

2. If the list is named, youll see Press to remove the name. Press to retain the name with an empty list.
* CFLO does accept these exceptional characters in list names, but the Solver
functions SIZEC, FLOW, and #T do not.
To remove just one value at a time from a list, use.
Cash-Flow Calculations: IRR, NPV, NUS, NFV
Once you have entered a list of cash flows, you can calculate the following values in the CALC menu. Sum (TOTAL). Internal rate of return (IRR%). This is a periodic rate of return. To calculate an annual nominal rate when the period is not a year, multiply the IRR% by the number of periods per year. If you want the IRR% as an effective annual rate, then use the FIN ICNV menu to convert from the nominal annual rate to the effective annual rate. Net present value (NPV), net uniform series (NUS), and net future value (NFV) for a specified, periodic interest rate, I%.
100 7: Cash Flow Calculations
Table 7-2. The CALC Menu for CFLO Lists Menu Label * Description
Calculates the sum of the cash flows. Calculates the internal rate of returnthe interest (discount) rate at which the net present value of the cash flows equals zero. Stores the periodic interest rate, expressed as a percentage (sometimes called cost of capital, discount rate, or required rate of return). Given I%, calculates the net present valuethe present value of a series of cash flows. Given I%, calculates the net uniform seriesthe dollar amount of constant, equal cash flows having a present value equivalent to the net present value. Given I%, calculates the net future value of a series of cash flows by finding the future value of the net present value.
* The calculations for internal rate of return are complex and may take a
relatively long time. To interrupt the calculation, press any key. In certain cases, the calculator displays a message indicating that the calculation cannot continue without further information from you, or that there is no solution. Refer to appendix B for additional information about calculating IRR%.

128.90 65.35 55.67

Update the checkbook by calculating the running balance.

Keys: *

@c 267.82 I

837.42 368.23

Displays empty SUM list. Enters beginning balance and shows running total. Enters deposit on 6/1. Enters remaining transactions.
I 45.36 & I 128.90 & I 65.35 &
* If you want to preserve the current list, skip the next step (pressing @c).
Instead, name the list and then press .
10: Running Total and Statistics 125

I 55.67 I e

Ends list and displays SUM menu again.
Naming and Renaming a SUM List
A new list has no name. You may name it before or after filling the list, but you must name it in order to store another list. To name a list: 1. Press from the SUM menu. 2. Use the ALPHA menu to type in a name. (The ALPHA and ALPHA-Edit menus are covered on pages 30 - 32.) To clear a name, press C. 3. Press
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

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:

y 3,000

(forecasted)
2,000 SALES in Dollars 1,000 B 4

8 5. 42

of Advertising
10: Running Total and Statistics 135

Displays current SUM list and SUM menu keys. Clears current list. Stores minutes of advertising (x-values) into a SUM list.

I 1I 3I 5I 5I 4I e

MINUTES
Names this list. (See page 30 to use the ALPHA menu.)
Now enter and name the second list.

Gets a new, empty list. Stores weekly sales (y-values) into a second SUM list.
I 920 I 1100 I 2265 I 2890 I 2200 I e SALES I
Names y-list. Identifies the lists for curve-fitting.
136 10: Running Total and Statistics
Selects MINUTES as x-list, SALES as y-list, indicates current curve-fitting model, and displays FRCST menu.
Correlation coefficient for linear model.
The correlation coefficient calculated above is acceptable to BJs. Using the linear model, estimate what the level of sales would be if the business purchased 7 minutes of advertising time per week. 7
Stores 7 in variable MINUTES. Forecasts the sales resulting from 7 minutes of radio advertising.
How many minutes of advertising should BJs buy if it wants to attain sales of $3,000?

3000

The business should buy about 6 minutes of advertising for sales of $3,000.
* If the model named here is not the one you want to use, press
and select the one you want.
This result is not the same as it would be if SALES were the independent (x)
variable, and MINUTES were the dependent (y) variable.
10: Running Total and Statistics 137
Weighted Mean and Grouped Standard Deviation
Data in one list (x) can be weighted or grouped (by frequency) by data in another list (y). To find the mean of weighted data and the standard deviation of grouped data: 1. Enter the data valuesthe x-variableinto a SUM list. 2. Enter the corresponding weights or frequenciesthe y-variables into another list. (To calculate G.SD, the y-values should be integers.) 3. From the SUM menu, press to display a menu of SUM-list names. The current list is unless named otherwise. 4. Press the menu key for the list of x-values. 5. Now select the list with the weights (or frequencies) (y). 6. To calculate the weighted mean, press . 7. To calculate the grouped standard deviation, press. Example: Weighted Mean. A survey of 266 one-bedroom rental apartments reveals that 54 of them rent for $200 per month, 32 for $205, 88 for $210, and 92 for $216. What is the average monthly rent and its standard deviation? Create two SUM lists. The first, called RENT, should contain the numbers 200, 205, 210, and 216, in that order. The second can be unnamed and should contain the numbers 54, 32, 88, and 92, in that order.

Naming an Equation

Naming equations helps you identify them later. The name precedes the equation, separated by a colon. If you dont name an equation initially, you can name it later using.
Type the name just as you type the rest of the equation. The calculator knows that whatever comes before the colon is not part of the equation. The name is for your visual aid only; the calculator cannot recognize it. Names can be any length and contain any character except x ( ) ^ space
12: The Equation Solver 161
Finding an Equation in the Solver List
To display an entry in the Solver list, display the SOLVE menu and move through the list using the [ and ] keys. @[ moves to and @] moves to .

Shared Variables

If two or more equations contain the same variable, that variable is shared among those equations. For example, suppose your Solver list of equations includes these two equations labeled RUG, which figures the cost of a carpet, and TOTAL, which figures the total cost of buying a carpet and installing it: COST is a shared variable. You can calculate a value for COST using the RUG equation, then switch to the TOTAL equation and calculate CHARGE after entering HOURS. Since the value for COST is shared, you do not need to store it again. No sharing occurs between variables outside the Solver and those within the Solver. For example, this COST variable in the Solver is not shared with the COST variable in the MU%C and MU%P menus in BUS. To transfer values between built-in variables and Solver variables, store them into storage registers. Recall them after switching menus. Remember that the value in the calculator line stays there when you switch menus.

Clearing Variables

You can clear the variables in a Solver equation just as you clear variables in other menus: press @c while the menu with those variables is displayed.
162 12: The Equation Solver
Make sure that the menu for the variables is in the display. (The equation itself should not be in the display. If it is, press.) Pressing @c now sets NEXT; OLD, A%, B%, and C% to zero. Variables are also cleared when their equation is edited.
If the SOLVE menu is displayed (rather than the SOLVE CALC menu), then pressing @c will prompt Note . Press , otherwise you will lose the variables in all the equations. (See Deleting All Equations or Variables in the Solver, page 164.)
Deleting Variables and Equations
Each equation in the Solver list uses calculator memory to store 1) itself, and 2) its variables.* Deleting a variable is quite different from clearing it: Clearing a variable sets it to zero; the variable retains its storage location in memory. This does not save memory space. Deleting a variable erases its value and its storage location. This is a way to save memory space. If a variable is shared, its value is lost to all equations that share it. The memory space for a deleted variable is re-created the next time you use that equation.

12: The Equation Solver 181
Profit (Price Quantity) (Variable costs Quantity) Fixed Costs The C-Sharp Piano Corporation sells pianos for $6,000. Variable costs are $4,100; fixed costs per year are $112,000. How many pianos must C-Sharp sell this year in order to earn a profit of $130,000? (In past years, C-Sharp has had to sell between 100 and 200 pianos to make an acceptable profit. You can use this information as initial guesses.) Press , then enter the equation:
Stores, verifies, and creates labels for the equation.

4100 112000 130000

Stores price. Stores variable cost, fixed cost, and profit.
The following steps enter guesses for QTY. If the Solver must search iteratively to solve for QTY, it will begin by using the estimates 100 and 200.

100 200

The first guess for QTY. The second guess for
182 12: The Equation Solver
Solves for QTY iteratively.
12: The Equation Solver 183

Printing

The calculator can print information using the hp 82240 Infrared Printer, which accepts the infrared signal from the printer port. This chapter describes information you can print. Operation of the printer is covered in the printer owners manual.*
The print annunciator ( )appears in the display whenever the calculator sends information through its printer port. Because communication goes only one wayfrom calculator to printerthe calculator cannot determine whether the printer is receiving information. If a printing operation involves many lines of information, the calculator slows its transmission rate to allow the printer time to print. To preserve battery power, the calculator will not transmit data to the ) is on. If a low-power printer when the low-power annunciator ( condition occurs after youve started a printing operation, printing stops and the calculator displays the message .
* Since the hp-17bII+ cannot send control characters to the printer, portions of
the printers manual pertaining to control codes and graphics characters do not apply.

184 13: Printing

The Printers Power Source
The speed of the printer depends on whether it is using its optional ac adapter. To optimize printing performance, set the printing speed mode in the calculator appropriately. To view or change the printing speed mode: 1. Press

14: Additional Examples 205
Step 2: Calculate NUS for the monthly deposit.
Figures the periodic (monthly) interest rate and stores it in I%. Amount of monthly deposit needed to meet planned withdrawals.

v9 / 12

Calculates the net present value of the monthly deposits, which is the same as the NPV of the four future withdrawals.
Value of a Tax-Free Account
You can use the TVM menu to calculate the future value of a tax-free or tax-deferred account, such as an IRA or Keogh account. Remember that for calculations with cash flows, money paid out is negative and money received is positive. (Current tax law and your current income will determine whether just interest or also principal are tax-free, and for how long. You can solve for either case.)
N = the number of payments until retirement. I%YR = the annual dividend rate. PV = the present value of the retirement account. PMT = the amount of your deposit. (It must be constant for the duration of the account.) FV = the future value of the retirement account.
The purchasing power of that future value depends on the inflation rate and the duration of the account.
206 14: Additional Examples
Example: Tax-Free Account. Consider opening an IRA account with a dividend rate of 8.175%. 1) If you invest $2,000 at the beginning of each year for 35 years, how much will you have at retirement? 2) How much will you have paid into the IRA? 3) How much interest will you have earned? 4) If your post-retirement tax rate is 15%, what is the after-tax future value of the account? Assume only the interest will be taxed. (Assume the principal was taxed before deposit.) 5) What is the purchasing power of that amount, in todays dollars, assuming an 8% annual inflation rate?

Keys: 1 e

Sets 1 payment per year and Begin mode.
Stores number of payment periods until retirement (1
8.2000 Stores dividend rate. Present value of account (before first payment). Annual payment (deposit). Calculates amount in account at retirement. Calculates total amount paid into IRA by retirement. Calculates interest you will earn.

Reset hole

Resetting the calculator halts the current calculation, clears the calculator line, and displays the MAIN menu. Stored data remains intact except setting those conditions: double-space printing off, printer tracing off, printer without the ac adapter, and beeper on.
228 A: Assistance, Batteries, Memory, and Service
File name : 17bii+_English(MP03)-050323(Print).doc

Print data : 2005/4/15

Erasing Continuous Memory
Erasing Continuous Memory is a way of freeing a large amount of memory so that you can use it for other things. In addition, the calculator is set to certain default settings. Clears the calculator line and history stack. Deletes all Solver equations and their variables, and clears all other variables in menus. Clears all CFLO and SUM lists and their names. Clears all appointments. Returns U.S Dollars and EURO Dollars currencies and the rate equals 1.0000. Sets those conditions: For English language: Month/day/year date format, 12-hour double-space printing off, printer tracing adapter, and beeper on. For the other languages: Day/month/year date format, 24-hour double-space printing off, printer tracing adapter, and beeper on. Maintains the selected mode ALG or RPN Period (.) or comma (,) decimal point. Erasing Continuous Memory does not affect the current time and date, date and the selected language. To erase Continuous Memory, press and hold down C, the leftmost menu key, and the rightmost menu key. (Press three keys simultaneously). When the three keys are released, the calculator displays . Continuous Memory can inadvertently be erased if the calculator is dropped or if power is interrupted.
clock, 2 decimal places, off, printer without the ac
A: Assistance, Batteries, Memory, and Service 229

Clock Accuracy

The clock is regulated by a quartz crystal accurate to within 1.5 minutes per month under normal conditions. The accuracy of the clock crystal is affected by temperature, physical shock, humidity, and aging. Optimum accuracy is maintained at 25C (77F).

Environmental Limits

In order to maintain product reliability, observe the following limits: Operating temperature: 0 to 45C (32 to 113F). Storage temperature: 20 to 65C (4 to 149F). Operating and storage humidity: 90% relative humidity at 40C (104F) maximum.

CPN % CALL + A CPN % M PRICE M 1 + DSC Y E E M
For more than one coupon period to redemption:
B: More About Calculations 249
CALL PRICE DSC N 1+ E Y 1 + M CPN % N M K 1+ K =1 Y 1 + M

CPN % A E M

The end-of-month convention is used to determine coupon dates in the following exceptional situations. (This affects calculations for YLD%, PRICE, and ACCRU.) If the maturity date falls on the last day of the month, then the coupon payments will also fall on the last day of the month. For example, a semiannual bond that matures on September 30 will have coupon payment dates on March 31 and September 30. If the maturity date of a semiannual bond falls on August 29 or 30, then the February coupon payment dates will fall on the last day of February (28, or 29 in leap years).
Depreciation Calculations

For the given year, YR#:

ACRS SL

BASIS 100 BASIS SALV

ACRS %
LIFE BASIS SALV SOYD (LIFE YR # + 1) (LIFE + 1) LIFE
BASIS FACT % /100 (FACT % /100) 1 LIFE LIFE

(YR # 1)

250 B: More About Calculations
For the last year of depreciation, DB equals the remaining depreciable value for the prior year.

Sum and Statistics

nnumber of items in the list. xan element of the sorted list.

RANGE MAX MIN

Forecasting
LIN EXP LOG PWR y y y y = = = = B + Mx BeMx B + M ln x BxM

Transformation

y = B + Mx In y = ln B + Mx y = B + M ln x ln y = ln B + M ln x

xi xi ln xi ln xi

yi ln yi yi ln yi
B: More About Calculations 251
File name : English_MP04)-050730(Print).doc

Print data : 2006/4/20

n SX 2 = ( X i X )2

n SX 2 = (Yi Y )2

SXY = ( X i X ) (Yi Y ) SXY M = SX 2
B = b for LIN and LOG models, and B = eb for EXP and PWR models,

where b = Y M X

CORR =

SXY SX 2 SY 2

Equations Used in Chapter 14

PV = PMT

1 (1 + r )N N FV (1 + r ) r

r = 1 +

CI %YR

N CI%YR PV PMT FV

= = = = =
total number of monthly payments annual interest rate (as a percent) loan amount monthly payment balloon payment
252 B: More About Calculations

Odd-Period Calculations

PV 1 + i
1 (1 + i )N N (1 + i S ) PMT FV (1 + i ) i

Where:

PV = loan amount i = periodic interest rate as a decimal DAYS = actual number of days until the first payment PMT = periodic payment amount N = total number of payments FV = balloon payment amount S = 1 if DAYS < 30 S = 0 if DAYS 30

Advance Payments

PV FV (1 + i ) N 1 (1 + i ) (N # ADV ) + # ADV i

PMT PV FV i N #ADV

= = = = = =

Error Messages 285

The number entered cannot be interpreted as a proper date. Check its format (page 143). Attempted to set a date outside the range 1/1/2000 through 12/31/2099, or attempted date arithmetic outside the range 10/15/1582 through 12/31/9999.
The Solver cannot interpret the equation due to a syntax error. Refer to What Can Appear in an Equation, page 166. A variables name is invalid. Refer to Names of Variables, page 166.
Attempted to store into a built-in variable a number that is outside the range of values permitted for that variable. The number entered cannot be interpreted as a proper time. The appointments repeat interval is out of range. Attempted to enter a non-integer, negative number when specifying the number of displayed decimal places (in DSP).
Attempted to calculate I%YR with N 0.99999 or N 1010.
Calculation of IRR% produced a negative answer, but the calculator has determined that there is also a unique positive answer. (Refer to page 238.)
The calculator has been reset (page 224, 228).

286 Error Messages

The calculator is unable to calculate I%YR. Check the values stored in PV, PMT, and FV. Make sure the signs of the numbers are correct. If the values of PV, PMT, and FV are correct, the calculation is too complex for the TVM menu. You may be able to perform the calculation using the CFLO menu to calculate IRR%.
The calculation of IRR% is complex, and requires you to store a guess. (Refer to page 238.) Continuous Memory has been erased (page 224, 229). The list name youve attempted to enter is already in use; type in a new name and press I. No solution is possible using the values stored in the current built-in menu or list. This most commonly results from an incorrect sign for a cash flow or other monetary value. (Review page 64.) Attempted to calculate the factorial of a negative or non-integer value. A warningnot an errorthat the magnitude of a result is too large for the calculator to handle, so it returns 9.99999999999E499 rounded to the current display format. See page 47 for limits.

Error Messages 287

No solution was found for a Solver equation using the current values stored in its variables. Refer to page 246 in appendix B.
A warningnot an errorthat the magnitude of a result is too small for the calculator to handle, so it returns the value zero. See page 47 for limits. Attempted a two-list SUM calculation using lists of unequal lengths.

288 Error Messages

Special Characters
low-battery annunciator, 17, 184, 224 shift annunciator, 19

, 143 , 42 , 150 , 150

( ) alarm annunciator, 147 formula, 247 using, 50
%TOTL menu formula, 247 using, 51

&, 22

or , 174 , , , , 32

PI, 42, 170 PMT. See also Payments in TVM, 63 rounded amortization calculations, 78 Positive numbers in cash flow calculations, 9294 in TVM, 64 Power. See also Low power; Batteries function, 41, 265 raising a number to, 41 Power curve, 130, 132, 133 Power on and of, 17 Precision of numbers, internal, 34 Present value definition, 63 of a lease, 7477 of a series of payments, 171, 246 of a single payment, 171, 246 Previous menu, displaying, 28 PRICE, as a shared variable, 53 Price, markup on, 49, 52 Principal of loan, amount of PMT applied toward, 8081 Printer power for, 185 using, 184 PRINTER menu, 186, 260
Printer port, 184 Printing amortization table, 8283 appointments, 188 display, 185 double space, 36, 185 equations, 187 history stack, 186 interrupting, 189 messages, 188 number lists, 187 slow, 184 Solver list, 187 speed, 185 statistical values, 186 time and date, 186 variables, 187 with tracings, 188 Prompting for #TIMES, 96 Purchase date, bond, 109 Purchase price, in mortgage calculation, 6869 PV, rounded in amortization calculations, 78

Questions, common, 22224

, 128 , 145 , 55 , 56

Index 303

, 56 , 36 , 186 , 56
@r, 35 ~, 43, 263 R, 4546, 98 in RPN calculations, 266 with variables, 28
Replacing batteries, 22526 Required rate of return, 101 Resetting the calculator, 228 Reusing a number, RPN, 271, 273 calculator memory, 37, 229 Reverse Polish Notation, 261 RND, 170 Rounding a PMT, 71 Rounding numbers, 35 RPN. See appendixes D, E, and F, or individual entries Running total, 12324
R, 263 Radix (decimal point), 34 Range calculating, 128 of numbers, 48 Rate of return, periodic, 100 Recalling numbers, 4546 from variables, 28 in RPN, 264, 266 with @L, 44 Reciprocal key, 41 Register storage, 4546 Registers arithmetic in, 46 in RPN, 26873 printing the contents of, 186 Relational operators, 174 Remaining depreciable value, 115, 116 Renaming lists. See CFLO list; SUM list; the Solver list Repeating appointments past-due, 148 setting, 147
, 115 , 109 , 115 , 115 , 128 , 128 , 142 , 55 , 56 , 56 , 56 , 186 , 132
@S, 34 s, 4546 calculations with, RPN, 266

304 Index

S (function), 170 Sample standard deviation, 128 Saving numbers, 43 Savings account, 7172 college, 2026 college, RPN, 278 regular, 200202 retirement, 208 retirement, RPN, 282 tax free, 2069 tax free, RPN, 280 Savings calculations, 7173 Scientific notation, 47 Self-test, 232 Service, 23536 SET menu, 143 Setting a language, 18, 37 Setting an appointments, 14647 Settings, default start-up, 229 Settlement date, 109 SGN, 170 Shared variables in BUS, 53 in equations, 162 in ICNV, 86 Shift, 19 Sign of numbers in cash-flow calculations, 92 in TVM calculations, 64 Simple interest, 40 with annual rate, 190