Table of Contents
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34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50
51 52 53 54
1 Overview of Calculator Operations..................................1
Turning On the Calculator ............................................................. 1
Turning Off the Calculator............................................................. 1
Selecting 2nd Functions ................................................................. 2
Reading the Display ....................................................................... 2
Setting Calculator Formats ........................................................... 4
Resetting the Calculator ................................................................ 6
Clearing Calculator Entries and Memories ................................... 6
Correcting Entry Errors................................................................... 7
Math Operations ............................................................................ 8
Memory Operations ..................................................................... 12
Calculations Using Constants....................................................... 13
Last Answer Feature..................................................................... 14
Using Worksheets: Tools for Financial Solutions ........................ 15
....................................................................................................... 19
2 Time-Value-of-Money and Amortization Worksheets...21
TVM and Amortization Worksheet Variables ............................. 22
Entering Cash Inflows and Outflows........................................... 25
Generating an Amortization Schedule ....................................... 25
Example: Computing Basic Loan Interest.................................... 26
Examples: Computing Basic Loan Payments ............................... 27
Examples: Computing Value in Savings ...................................... 28
Example: Computing Present Value in Annuities....................... 29
Example: Computing Perpetual Annuities.................................. 30
Example: Computing Present Value of Variable Cash Flows ..... 31
Example: Computing Present Value of a Lease With Residual
Value........................................................................................ 33
Example: Computing Other Monthly Payments......................... 34
Example: Saving With Monthly Deposits .................................... 35
Example: Computing Amount to Borrow and Down Payment . 36
Example: Computing Regular Deposits for a Specified Future
Amount ................................................................................... 37
Example: Computing Payments and Generating an
Amortization Schedule........................................................... 38
Example: Computing Payment, Interest, and Loan Balance
After a Specified Payment ..................................................... 39
3 Cash Flow Worksheet......................................................41
Cash Flow Worksheet Variables................................................... 41
Uneven and Grouped Cash Flows................................................ 43
Entering Cash Flows ..................................................................... 43
iv Table of Contents
Deleting Cash Flows......................................................................44
Inserting Cash Flows .....................................................................44
Computing Cash Flows .................................................................45
Example: Solving for Unequal Cash Flows .................................47
Example: Value of a Lease with Uneven Payments ....................49
4 Bond Worksheet ............................................................. 53
Bond Worksheet Variables ...........................................................54
Bond Worksheet Terminology .....................................................56
Entering Bond Data and Computing Results ..............................56
Example: Computing Bond Price, Accrued Interest, and
Modified Duration..................................................................58
5 Depreciation Worksheet ................................................ 59
Depreciation Worksheet Variables ..............................................59
Entering Data and Computing Results ........................................61
Example: Computing Straight-Line Depreciation.......................62
6 Statistics Worksheet ....................................................... 65
Statistics Worksheet Variables .....................................................65
Regression Models ........................................................................67
Entering Statistical Data...............................................................68
Computing Statistical Results.......................................................69
7 Other Worksheets ........................................................... 71
Percent Change/Compound Interest Worksheet ........................71
Interest Conversion Worksheet....................................................74
Date Worksheet ............................................................................76
Profit Margin Worksheet .............................................................78
Breakeven Worksheet ..................................................................80
Memory Worksheet ......................................................................82
.......................................................................................................83
A Appendix — Reference Information.............................. 85
Formulas ........................................................................................85
Error Messages ..............................................................................96
Accuracy Information ...................................................................98
AOS™ (Algebraic Operating System) Calculations .....................98
Battery Information......................................................................99
In Case of Difficulty ....................................................................100
Texas Instruments Support and Service .....................................101
Texas Instruments (TI) Warranty Information ...........................102
Index.............................................................................. 105
1 Overview of Calculator Operations..................................1
Turning On the Calculator ............................................................. 1
Turning Off the Calculator............................................................. 1
Selecting 2nd Functions ................................................................. 2
Reading the Display ....................................................................... 2
Setting Calculator Formats ........................................................... 4
Resetting the Calculator ................................................................ 6
Clearing Calculator Entries and Memories ................................... 6
Correcting Entry Errors................................................................... 7
Math Operations ............................................................................ 8
Memory Operations ..................................................................... 12
Calculations Using Constants....................................................... 13
Last Answer Feature..................................................................... 14
Using Worksheets: Tools for Financial Solutions ........................ 15
....................................................................................................... 19
2 Time-Value-of-Money and Amortization Worksheets...21
TVM and Amortization Worksheet Variables ............................. 22
Entering Cash Inflows and Outflows........................................... 25
Generating an Amortization Schedule ....................................... 25
Example: Computing Basic Loan Interest.................................... 26
Examples: Computing Basic Loan Payments ............................... 27
Examples: Computing Value in Savings ...................................... 28
Example: Computing Present Value in Annuities....................... 29
Example: Computing Perpetual Annuities.................................. 30
Example: Computing Present Value of Variable Cash Flows ..... 31
Example: Computing Present Value of a Lease With Residual
Value........................................................................................ 33
Example: Computing Other Monthly Payments......................... 34
Example: Saving With Monthly Deposits .................................... 35
Example: Computing Amount to Borrow and Down Payment . 36
Example: Computing Regular Deposits for a Specified Future
Amount ................................................................................... 37
Example: Computing Payments and Generating an
Amortization Schedule........................................................... 38
Example: Computing Payment, Interest, and Loan Balance
After a Specified Payment ..................................................... 39
3 Cash Flow Worksheet......................................................41
Cash Flow Worksheet Variables................................................... 41
Uneven and Grouped Cash Flows................................................ 43
Entering Cash Flows ..................................................................... 43
iv Table of Contents
Deleting Cash Flows......................................................................44
Inserting Cash Flows .....................................................................44
Computing Cash Flows .................................................................45
Example: Solving for Unequal Cash Flows .................................47
Example: Value of a Lease with Uneven Payments ....................49
4 Bond Worksheet ............................................................. 53
Bond Worksheet Variables ...........................................................54
Bond Worksheet Terminology .....................................................56
Entering Bond Data and Computing Results ..............................56
Example: Computing Bond Price, Accrued Interest, and
Modified Duration..................................................................58
5 Depreciation Worksheet ................................................ 59
Depreciation Worksheet Variables ..............................................59
Entering Data and Computing Results ........................................61
Example: Computing Straight-Line Depreciation.......................62
6 Statistics Worksheet ....................................................... 65
Statistics Worksheet Variables .....................................................65
Regression Models ........................................................................67
Entering Statistical Data...............................................................68
Computing Statistical Results.......................................................69
7 Other Worksheets ........................................................... 71
Percent Change/Compound Interest Worksheet ........................71
Interest Conversion Worksheet....................................................74
Date Worksheet ............................................................................76
Profit Margin Worksheet .............................................................78
Breakeven Worksheet ..................................................................80
Memory Worksheet ......................................................................82
.......................................................................................................83
A Appendix — Reference Information.............................. 85
Formulas ........................................................................................85
Error Messages ..............................................................................96
Accuracy Information ...................................................................98
AOS™ (Algebraic Operating System) Calculations .....................98
Battery Information......................................................................99
In Case of Difficulty ....................................................................100
Texas Instruments Support and Service .....................................101
Texas Instruments (TI) Warranty Information ...........................102
Index.............................................................................. 105