10B2 CALCULATOR keys
Terms
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- (white) left arrow
- erases last character.
- orange, CLSigma
- clears statistics memory.
- orange / C ALL
- clears all memory.
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FUNCTION for PERCENTAGES:
time value of money calculates: - loans, savings, leases, and amortization schedules.
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FUNCTION for PERCENTAGES:
interst conversion calculates: - nominal and effective rates.
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FUNCTION for PERCENTAGES:
cash flows calculates: - net present value and internal rate of return. (NPV & IRR)
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FUNCTION for PERCENTAGES:
business percentages calculate: - percent change, markup, and margin calculations.
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FUNCTION for PERCENTAGES:
statistics calculates: - mean, standard deviation, correlation coefficient, and linear regression forecasting, etc.
- CST
- cost.
- PRC
- price.
- MAR
- margin.
- MU
- markup.
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Add 15% to $17.50.
What is 15% more than $17.50? - 17.50 + 15% =
- Find the margin if the cost is $15.00 and selling price is $22.00.
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15 CST
22 PRC
MAR
calculates margin at $31.82 - If the cost is $20.00 and the markup is 33%, what is the selling price?
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20 CST
33 MU
PRC
calculates price at $26.60 -
FUNCTIONS for MEMORY KEYS:
K - stores a constant operation.
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FUNCTIONS for MEMORY KEYS:
-->M - Stores a value in the M register (memory location).
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FUNCTIONS for MEMORY KEYS:
RM - recalls a value from the M register.
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FUNCTIONS for MEMORY KEYS:
M+ - adds a value to the number stored in the M register.
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FUNCTIONS for MEMORY KEYS:
oranger / STO - stores a value in a numbered register.
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FUNCTIONS for MEMORY KEYS:
RCL - recalls a value from a numbered register.
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multiply 17, 22, and 25 by 7,
storing "x 7" as a constant operation. -
17 x 7 K (shows 7.00)
= 119.00
22= 154.00
25= 175.00 - store 519 in register 2, then recall it.
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519 orange / STO 2
C
RCL 2 -
FUNCTIONS for TVM KEYS:
(time value of money)
explanation: -
Enter any four of the five values and solve for the fifth.
a negative sign in the display represents money paid out; money received is positive. -
FUNCTIONS for TVM KEYS:
(time value of money)
N - number of payments.
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FUNCTIONS for TVM KEYS:
(time value of money)
I/YR - interest per year.
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FUNCTIONS for TVM KEYS:
(time value of money)
PV - present value.
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FUNCTIONS for TVM KEYS:
(time value of money)
PMT - payment.
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FUNCTIONS for TVM KEYS:
(time value of money)
FV - future value.
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FUNCTIONS for TVM KEYS:
(time value of money)
orange / BEG/END - begin or end mode.
- orange / P/YR
- number of payments per year mode.
- If you borrow $14,000 (PV) for 360 months (N) at 10% interest (I/YR), what is the monthly repayment?
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* Set to END mode.
* Press orange / BEG/END if BEGIN annunciator is displayed.
* 12 orange P/YR (sets payments per year)
* 360 N (enters # of pmts)
* 10 I/YR (enters interst/yr)
* 14000 PV (enters present value
* 0 FV (enters future value)
* PMT (calculates payment if paid at end of period)
- 122.86 -
360 months = years
180 months = years -
30 years.
15 years. - amortize
- To provide for the gradual extinguishment of (as a mortgage) usually by contribution to a sinking fund at the time of each periodic interest payment.
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FUNCTION KEYS AMORTIZATION:
orange / AMORT - to enter the periods to amortize
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FUNCTION KEYS AMORTIZATION:
PRIN - principal .
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FUNCTION KEYS AMORTIZATION:
INT - interest.
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FUNCTION KEYS AMORTIZATION:
BAL - balance values.
- Interest rate conversion calculations, explanation:
- To convert between nominal and effective interest rates, enter the known rate and the number of periods per year, then solve for the unknown rate.
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FUNCTION KEYS for INTEREST RATE CONVERSION:
orange / NOM% - Nominal interest percent.
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FUNCTION KEYS for INTEREST RATE CONVERSION:
orange / EFF% - Effective interest percent.
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FUNCTION KEYS for INTEREST RATE CONVERSION:
orange / P/YR - Periods per year.
- Find the annual effective interest rate of 10% nominal interest compounded monthly.
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*10 orange / NOM%
* 12 orange / P/YR
*orange / EFF% (calculates annual effective interest... at 10.47) - Nominal interest rate:
- ?
- Effective interest rate:
- ?
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FUNCTION KEYS: IRR/YR and NPV:
What they are for: - (internal rate of return and net present value - for measuring cash flow)
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FUNCTION KEYS: IRR/YR and NPV:
orange / P/YR - number of periods per year (default is 12)
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FUNCTION KEYS: IRR/YR and NPV:
CFj -
Cash flows, up to 15.
"j" identifies the cash flow number. -
FUNCTION KEYS: IRR/YR and NPV:
orange / Nj - Number of consecutive times cash flow "j" occurs.
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FUNCTION KEYS: IRR/YR and NPV:
orange / IRR/YR - internal rate of return per year.
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FUNCTION KEYS: IRR/YR and NPV:
orange / NPV - Net present value.
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If you have an intital cash outflow of $40,000, followed by monthly cash inflows of $4,700, $7,000, $7,000, and $23,000, what is the IRR/YR?
What is the IRR per month? -
* orange / C ALL
* 12 orange P/YR
* 40000<+/=>CFj
* 4700 CFj
* 7000 CFj
* 2 orange Nj
* 23000 CFj
* orange IRR/YR
* / 12 = - What is the NPV if the discount rate is 10%?
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* 10 I/YR
* orange / NPV
* answer 622.85 -
FUNCTION KEYS: STATISTICS:
orange / CLSigma - Clear statistical registers.
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FUNCTION KEYS: STATISTICS:
<#> S+ - Enter one-variable statistical data.
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FUNCTION KEYS: STATISTICS:
<#> orange / S- - delete one-variable statistical data.
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FUNCTION KEYS: STATISTICS:
<#1> INPUT <#2> S+ - Enter two-variable statistical data.
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FUNCTION KEYS: STATISTICS:
<#1> INPUT <#2> orange S- - delete two-variable statistical data.
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FUNCTION KEYS: STATISTICS:
orange, x-hat/y-hat, orange, SWAP - means of X and Y
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FUNCTION KEYS: STATISTICS:
orange, X-hat x - means of X weighted by Y
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FUNCTION KEYS STATISTICS:
orange, Sx/Sy, orange, SWAP - sample standard deviations of X and Y.
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FUNCTION KEYS STATISTICS:
orange, SigmaX/SigmaY, orange, SWAP - population standard deviations of X and Y.
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FUNCTION KEYS STATISTICS:
y-value, orange, x-hat r, orange, SWAP - estimate of X and correlation coefficient.
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FUNCTION KEYS STATISTICS:
x-value, orange, y-hat m - estimate of Y.
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FUNCTION KEYS STATISTICS:
0, orange, y-hat m, orange, SWAP - y-intercept and slope.