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HP 10BII Manual

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Page 51

$Page 51 4: Picturing Financial Problems 51 Recognizing a Cash Flow Problem $ILQDQFLDOSUREOHPWKDWGRHVQRWKDYHUHJXODUXQLIRUPSD\PHQWV VRPHWLPHVFDOOHGXQHYHQFDVKIORZV\fLVDFDVKIORZSUREOHPUDWKHUWKDQD 790SUREOHP $FDVKIORZGLDJUDPIRUDQLQYHVWPHQWLQDPXWXDOIXQGIROORZV7KLVLV DQH[DPSOHRIDSUREOHPWKDWLVVROYHGXVLQJHLWKHU *N 1HW3UHVHQW 9DOXH\fRU *9 ,QWHUQDO5DWHRI5HWXUQSHU$

4: Picturing Financial Problems 51
Recognizing a Cash Flow Problem
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Page 52

ook  Page 52  Wednesday, June 21, 2000  5:19 PM

Page 53

$Page 53 5: Time Value of Money Calculations 53 5 Time Value of Money Calculations Using the TVM Application 7KHWLPHYDOXHRIPRQH\ 790\fDSSOLFDWLRQLVXVHGIRU FRPSRXQGLQWHUHVWFDOFXODWLRQVWKDWLQYROYHUHJXODU XQLIRUPFDVKIORZV²FDOOHGSD\PHQWV2QFHWKHYDOXHVDUH HQWHUHG\RXFDQYDU\RQHYDOXHDWDWLPHZLWKRXWHQWHULQJ DOOWKHYDOXHVDJDLQ 7RXVH790VHYHUDOSUHUHTXLVLWHVPXVWEHPHW n7KHDPRXQWRIHDFKSD\PHQWPXVWEHWKHVDPH,IWKHSD\PHQW...$

5: Time Value of Money Calculations 53
5
Time Value of Money Calculations
Using the TVM Application
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Page 54

$Page 54 54 5: Time Value of Money Calculations 7RYHULI\YDOXHVSUHVVP.2DQG/ 3UHVVLQJ *UUHFDOOVWKHWRWDOQXPEHURISD\PHQWVLQ\HDUVDQG *bVKRZV\RXWKHQXPEHURISD\PHQWVSHU\HDU5HFDOOLQJWKHVH QXPEHUVGRHVQRWFKDQJHWKHFRQWHQWRIWKHUHJLVWHUV Clearing TVM 3UHVV*&WRFOHDUWKH790UHJLVWHUV7KLVVHWV 1,$

54 5: Time Value of Money Calculations
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Page 55

$Page 55 5: Time Value of Money Calculations 55 Begin and End Modes %HIRUH\RXVWDUWD790FDOFXODWLRQLGHQWLI\ZKHWKHUWKH ILUVWSHULRGLFSD\PHQWRFFXUVDWWKHEHJLQQLQJRUHQGRI WKHILUVWSHULRG,IWKHILUVWSD\PHQWRFFXUVDWWKHHQGRI WKHILUVWSHULRGVHW\RXU+3%,,WR(QGPRGHLILW RFFXUVDWWKHEHJLQQLQJRIWKHILUVWSHULRGVHW\RXU FDOFXODWRUWR%HJLQPRGH 7RVZLWFKEHWZHHQPRGHVSUHVV *O7KHBEGINDQQXQFLDWRULV GLVSOD\HGZKHQ\RXUFDOFXODWRULVLQ%HJLQPRGH1RDQQXQFLDWRULV...$

5: Time Value of Money Calculations 55
Begin and End Modes
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Page 56

$Page 56 56 5: Time Value of Money Calculations Part 2. $WDSULFHRIZKDWLQWHUHVWUDWHLVQHFHVVDU\WRORZHU\RXU SD\PHQWE\WR Part 3. ,ILQWHUHVWLV\bZKDWLVWKHPD[LPXP\RXFDQVSHQGRQWKH FDUWRORZHU\RXUFDUSD\PHQWWR Keys: Display: Description: *b12.006HWVSHULRGVSHU\HDU P36.006WRUHVQXPEHURI SHULRGVLQORDQ .10.506WRUHVDQQXDOQRPLQDO LQWHUHVWUDWH 13,000.006WRUHVDPRXQW ERUURZHG /0.006WRUHVWKHDPRXQWOHIW...$

56 5: Time Value of Money Calculations
Part 2. $WDSULFHRIZKDWLQWHUHVWUDWHLVQHFHVVDU\WRORZHU\RXU
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Page 57

5: Time Value of Money Calculations 57
Example: A Home Mortgage.

Page 58

58 5: Time Value of Money Calculations
Example: A Mortgage With a Balloon Payment.

Page 59

$Page 59 5: Time Value of Money Calculations 59 Step 2. 6LQFHWKHSD\PHQWLVDWWKHHQGRIWKHPRQWKWKHSDVWSD\PHQW DQGWKHEDOORRQSD\PHQWRFFXUDWWKHVDPHWLPH7KHILQDOSD\PHQWLVWKH VXPRI 307DQG)9 7KHYDOXHLQ 307VKRXOGDOZD\VEHURXQGHGWRWZR GHFLPDOSODFHVZKHQFDOFXODWLQJ )9RU39WRDYRLGVPDOO DFFXPXODWLYHGLVFUHSDQFLHVEHWZHHQQRQURXQ GHG QXPEHUVDQGDFWXDO GROODUVDQGFHQWV\fSD\PHQWV,IWKH GLVSOD\LVQRWVHWWRWZRGHFLPDOSODFHVSUHVV * Keys: Display: Description:...$

5: Time Value of Money Calculations 59
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Page 60

$Page 60 60 5: Time Value of Money Calculations Savings Calculations Example: A Savings Account. ,I\RXGHSRVLWLQDVDYLQJV DFFRXQWWKDWSD\V\bDQQXDOLQWHUHVWFRPSRXQGHGDQQXDOO\DQGPDNH QRRWKHUGHSRVLWVWRWKHDFFRXQWKRZORQJZLOOLWWDNHIRUWKHDFFRXQWWR JURZWR 6LQFHWKLVDFFRXQWKDVQRUHJXODUSD\PHQWV 307 \fWKHSD\PHQW PRGH (QGRU%HJLQ\fLVLUUHOHYDQW Keys: Display: Description: *&0.00&OHDUVDOOUHJLVWHUV *b1.006HWV 3$

60 5: Time Value of Money Calculations
Savings Calculations
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