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HP 20b Business Consultant
HP 30b Business Professional
Financial Calculator User’s Guide
HP Part Number: NW238-90001
Edition 1, December 2009
i
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Legal Notice This manual and any examples contained herein are provided "as is" and are subject to change without notice. Hewlett-Packard Company makes no warranty of any kind with regard to this manual, including, but not limited to, the implied warranties of merchantability, non- infringement and fitness for a particular purpose. In this regard, HP shall not be liable for technical or editorial errors or omissions contained in the manual. Hewlett-Packard Company shall not be liable for any
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HP 20b Business Consultant iii
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HP 30b Business Professional iv
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Keyboard Map Legend Number Feature Number Feature 1 2-line, alphanumeric scrolling 9 Common Mathematical display screen functions and Math (Math) menu 2 Time Value of Money keys 10 Program menu* (TVM) RPN Swap/Close parenthesis 3 Cash Flow, IRR and NPV keys 11 Backspace key/Reset menu 4 Data and Statistics menus 12 Percent/Percent calculation (business) and Date menus 5 Input key and Memory menu 13 Recall and Store 6 Insert and Delete/scroll (up 14 Black-Scholes** and Bond and down) menus 7
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Table of Contents Legal Notice.............................................................................................................ii HP 20b Business Consultant ...................................................................................... iii HP 30b Business Professional .................................................................................... iv Keyboard Map Legend.............................................................................................. v 1 Basic
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Amortization.......................................................................................................... 29 Interest Conversion Menu ........................................................................................ 33 4 Canadian Mortgages: TVM Canada........................................................................35 Canadian Mortgage Example.................................................................................. 36 5 Cash Flows ..............................
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1Basic Features Welcome to your new HP Financial Calculator This manual is designed to familiarize you with the many features available on your new HP Business and Financial calculators. It includes menu maps, cash flow diagrams, and example problems and solutions with key presses and screen shots. Also included are sections which list the error messages, a chapter about programming, and an explanation of how Reverse Polish Notation (RPN) works. Refer to the Table of Contents for quick acces
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Cursor When you enter a number, the cursor (_) blinks in the display and indicates you are in number entry mode. Two Line Display There are two lines in the display screen as shown in Figure 1. Figure 1 Display Screen The top line of the screen displays operation status, operator symbols, annunciators, and abbreviations of the variables and menu names. Throughout this manual, this line is referred to as the top line. In Figure 1, SIN is on the top line. The bottom line displays numbers you h
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Table 1-1 Mode Menu Settings Setting (top line) Description FIX= 2 Display precision (number of digits displayed to the right of the decimal point). Default is 2. Key in the number of digits you want and press I, or press = until the number of digits you want is displayed. The display precision can be any number from 0-11. If you specify –1, the calculator displays numbers with the most appropriate number of digits after the decimal point. If you find you need to change the FIX setting often,
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Table 1-1 Mode Menu Settings Setting (top line) Description Actual or Cal.360 Calendar options for bonds and date calculations. Default is Actual. Pressing I toggles between these options. Annual or Semiannual Bond type. Default is Annual. I toggles between these options. Pressing TVM Standard or TVM Activate or deactivate the compounding per year (C/YR) option in time value of money Canada (TVM) calculations. This option is primarily used for Canadian mortgage calculations. See Chapter 4, Ca
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• The primary function is printed on the top of the key. • The secondary function is printed on the bevel of the key. To activate the secondary function of a key, press and release : followed by the key with the secondary function printed on the bevel. • The third, or tertiary functions are printed above specific keys on the keyboard. To activate the tertiary function of a key, press and hold : and simultaneously press the key below the printed function. Release both keys. Primary Black S
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Annunciators Annunciators are symbols that appear in the display as messages, or after certain keys or key combinations have been pressed. Annunciators are special symbols indicating a specific status in the calculator. Figure 3 illustrates the annunciator symbols in the display. Valid item for the Valid item for Secondary function active Input key the Equals key Low batteries Number recall active Assigned value RPN mode active Number storage Begin mode Radians active 360 day-count c
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interest rate is displayed on the bottom line. With this screen displayed, press 12I to input a new value for the nominal rate. Press < followed by = to calculate the value for the effective rate. See Figure 4. Figure 4 When an item for which the = key is valid displays, the small annunciator (=) is displayed on the top line at the right of the screen. Do not confuse this small annunciator (=) with the larger annunciator ( ) found to the right of a variable. = When an item for which the I ke
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Notes about Special Menus The Mode, Memory, Math and Reset menus are unique menus; they allow you to work in another menu simultaneously without having to exit. For example, if you were working in the Bond menu prior to entering one of these menus, pressing O to exit returns you to your previous work in the Bond menu. Memory and the Memory Menu The Memory menu contains the following items: memories 1–9 (Mem 1–9) and 0 (Mem 0), Cash Flow, Statistics (Stats), programs (Prgm)*, and Memory. To
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Once opened, you can scroll through the items in the menu by pressing < or > repeatedly. In most menus, when you arrive at the last item in a menu, pressing < returns you to the first item. Similarly, pressing > once on the first menu item scrolls to the last item in the menu. Most items consist of two parts: a name and an associated number. For example, the Fixed item in the Break-even menu (Figure 7) is displayed in Figure 5. Figure 5 The large (=) annunciator shows that the value assigned
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:P Fixed Cost Price DWN Profit Quantity Figure 7 Menu Map of the Break-even menu There are four types of menu items: 1. Read/write. Read/write menu items, such as Fixed in the Break-even menu shown above, are easily recognizable, because when they are selected, both the INPUT and small (=) annunciators are lit. When lit, these annunciators indicate that keying in a number and pressing I will store the entered number in the displayed menu item. Pressing = (outside of a mathematical operation)
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2 Mathematical Calculations Mathematical Functions Mathematical functions are located: • On keys, such as, +-*/, etc. • On shifted, or secondary functions, such as, :p • In the Math menu, :s Number Entry and Display Numbers are entered by pressing: • Numbered keys, 0–9 • The decimal point . •The } key •The :w keys To correct a number entry, press the backspace key, {. Each press of { erases the last digit or symbol you entered. To enter a number in the display, press the number digits successiv
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Chain Mode Calculations in Chain mode are interpreted in the order in which they are entered. For example, entering the following numbers and operations as written from left to right, 1+2*3=, returns 9. See Figure 2. Figure 2 Calculation in Chain Mode NOTE: if you press an operator key, +-*/, after =, the calculation is continued using the currently displayed value. In Chain mode, if you wish to override the left to right order of entry, use parentheses (D to prioritize operations. For examp
