HP 10bII Manuel utilisateur

hp 10BII financial calculator

user’s guide

Edition 1

HP part number F1902-90001

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.

HEWLETT-PACKARD CO. SHALL NOT BE LIABLE FOR ANY

ERRORS OR FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES

IN CONNECTION WITH THE FURNISHING, PERFORMANCE, OR

USE OF THIS MANUAL OR THE EXAMPLES CONTAINED HEREIN.

Company, L.P. Reproduction, adaptation, or translation of this manual is

prohibited without prior written permission of Hewlett-Packard Company,

except as allowed under the copyright laws.

Hewlett-Packard Company

4995 Murphy Canyon Rd,

Suite 301

San Diego,CA 92123

Printing History

Edition 1 May 2003

Welcome to the HP 10BII 3

Welcome to the HP 10BII

<RXU+3%,,UHIOHFWVWKHVXSHULRUTXDOLW\DQGDWWHQWLRQWRGHWDLOLQ

HQJLQHHULQJDQGPDQXIDFWXULQJWKDWKDYHGLVWLQJXLVKHG+HZOHWW3DFNDUG

SURGXFWVIRU \HDUV+HZOHWW3DFNDUGVWDQGVEHKLQGWKLVFDOFXODWRU³ZH

RIIHUH[SHUWLVHWRVXSSRUWLWVXVHVHHLQVLGHWKHEDFNFRYHUDQG

ZRUOGZLGHVHUYLFH

Hewlett-Packard Quality

2XUFDOFXODWRUVDUHPDGHWRH[FHODQGWREHHDV\WRXVH

7KLVFDOFXODWRULVGHVLJQHGWRZLWKVWDQGWKHGURSVYLEUDWLRQV

SROOXWDQWVVPRJR]RQHWHPSHUDWXUHH[WUHPHVDQGKXPLGLW\

YDULDWLRQVWKDWLWPD\HQFRXQWHULQHYHU\GD\ZRUNOLIH

7KHFDOFXODWRUDQGLWVPDQXDOKDYHEHHQGHVLJQHGDQGWHVWHGIRUHDVH

RIXVH:HDGGHGPDQ\H[DPSOHVWRKLJKOLJKWWKHYDULHGXVHVRIWKH

FDOFXODWRU

/RZSRZHUHOHFWURQLFVDQGDQDGYDQFHGSRZHUPDQDJHPHQWV\VWHP

JLYHVH[WHQGHGEDWWHU\OLIH

7KHPLFURSURFHVVRUKDVEHHQRSWLPL]HGIRUIDVWDQGUHOLDEOH

FRPSXWDWLRQVXVLQJGLJLWVLQWHUQDOO\IRUSUHFLVHUHVXOWV

([WHQVLYHUHVHDUFKKDVFUHDWHGDGHVLJQWKDWKDVPLQLPL]HGWKH

DGYHUVHHIIHFWVRIVWDWLFHOHFWULFLW\DSRWHQWLDOFDXVHRIPDOIXQFWLRQV

DQGGDWDORVVLQFDOFXODWRUV

4 Welcome to the HP 10BII

Features

7KHIHDWXUHVRIWKH+3%,,DQGWKHPDQXDOUHIOHFWWKHQHHGVDQG

ZLVKHVRIPDQ\FXVWRPHUV

$ODUJHFKDUDFWHUGLVSOD\

$Q$WD*ODQFHVHFWLRQLQWKHPDQXDOIRUTXLFNUHIHUHQFH

$SSOLFDWLRQVWRVROYHEXVLQHVVDQGILQDQFLDOWDVNV

7LPH9DOXHRI0RQH\/RDQVVDYLQJVOHDVHVDQGDPRUWL]DWLRQ

VFKHGXOHV

,QWHUHVW&RQYHUVLRQ1RPLQDODQGHIIHFWLYHUDWHV

&DVK)ORZV1HWSUHVHQWYDOXHDQGLQWHUQDOUDWHRIUHWXUQ

%XVLQHVV3HUFHQWDJHV3HUFHQWFKDQJHPDUNXSDQGPDUJLQ

FDOFXODWLRQV

6WDWLVWLFV0HDQVWDQGDUGGHYLDWLRQFRUUHODWLRQFRHIILFLHQWDQG

OLQHDUUHJUHVVLRQIRUHFDVWLQJSOXVRWKHUVWDWLVWLFDOFDOFXODWLRQV

(QRXJKPHPRU\WRVWRUHDQLQLWLDOFDVKIORZDQGFDVKIORZ

JURXSVZLWKXSWRFDVKIORZVSHUJURXS

7HQQXPEHUHGVWRUDJHUHJLVWHUV

(DV\DFFHVVWRIXQFWLRQVVDYHVNH\VWURNHVDQGDGGVFRQYHQLHQFH

 $XWRLQFUHPHQWFDSDELOLW\IRUDPRUWL]DWLRQVFKHGXOHV

 /DEHOVIRUDPRUWL]DWLRQDQGFDVKIORZV

 $XWRPDWLFFRQVWDQW

NH\PHPRU\

0DQ\H[DPSOHVDUHLQFOXGHGLQWKHPDQXDOVR\RXFDQFRPELQHWKHP

IRU\RXUVSHFLILFQHHGV

Contents 5

Contents

11 At a Glance...

11 %DVLFV³$WD*ODQFH

12 3HUFHQWDJHV³$WD*ODQFH

13 0HPRU\.H\V³$WD*ODQFH«

14 7LPH9DOXHRI0RQH\790³$WD*ODQFH«

15 790:KDWLI«³$WD*ODQFH«

16 $PRUWL]DWLRQ³$WD*ODQFH«

17 ,QWHUHVW5DWH&RQYHUVLRQ³$WD*ODQFH«

18 ,55<5DQG139³$WD*ODQFH«

19 6WDWLVWLFV³$WD*ODQFH«

21 .H\ERDUG0DS

123 Getting Started

23 3RZHU2QDQG2II

23 $GMXVWLQJWKH'LVSOD\&RQWUDVW

23 6LPSOH$ULWKPHWLF&DOFXODWLRQV

25 8QGHUVWDQGLQJWKH'LVSOD\DQG.H\ERDUG

25 &XUVRU

25 &OHDULQJWKH&DOFXODWRU

25 &OHDULQJ0HPRU\

26 $QQXQFLDWRUV

27 6KLIW.H\

27 6WDWLVWLFV.H\

28 ,1387.H\

28 6:$3.H\

28 0DWK)XQFWLRQV

29 'LVSOD\)RUPDWRI1XPEHUV

30 6SHFLI\LQJ'LVSOD\HG'HFLPDO3ODFHV

30 6FLHQWLILF1RWDWLRQ

31 'LVSOD\LQJWKH)XOO3UHFLVLRQRI1XPEHUV

31 ,QWHUFKDQJLQJWKH3HULRGDQG&RPPD

32 5RXQGLQJ1XPEHUV

32 0HVVDJHV

6 Contents

233 Business Percentages

33 3HUFHQW.H\

33 )LQGLQJD3HUFHQW

34 $GGLQJRU6XEWUDFWLQJD3HUFHQW

34 3HUFHQW&KDQJH

35 0DUJLQDQG0DUNXS&DOFXODWLRQV

35 0DUJLQ&DOFXODWLRQV

35 0DUNXSRQ&RVW&DOFXODWLRQV

36 8VLQJ0DUJLQDQG0DUNXS7RJHWKHU

337 Number Storage and Arithmetic

37 8VLQJ6WRUHG1XPEHUVLQ&DOFXODWLRQV

37 8VLQJ&RQVWDQWV

39 8VLQJWKH05HJLVWHU

40 8VLQJ1XPEHUHG5HJLVWHUV

41 'RLQJ$ULWKPHWLF,QVLGH5HJLVWHUV

42 'RLQJ$ULWKPHWLF

43 3RZHU2SHUDWRU

43 8VLQJ3DUHQWKHVHVLQ&DOFXODWLRQV

445 Picturing Financial Problems

45 +RZWRDSSURDFKD)LQDQFLDO3UREOHP

46 6LJQVRI&DVK)ORZV

47 3HULRGVDQG&DVK)ORZV

47 6LPSOHDQG&RPSRXQG,QWHUHVW

47 6LPSOH,QWHUHVW

48 &RPSRXQG,QWHUHVW

49 ,QWHUHVW5DWHV

49 7ZR7\SHVRI)LQDQFLDO3UREOHPV

49 5HFRJQL]LQJD7903UREOHP

51 5HFRJQL]LQJD&DVK)ORZ3UREOHP

Contents 7

553 Time Value of Money Calculations

53 8VLQJWKH790$SSOLFDWLRQ

54 &OHDULQJ790

55 %HJLQDQG(QG0RGHV

55 /RDQ&DOFXODWLRQV

60 6DYLQJV&DOFXODWLRQV

63 /HDVH&DOFXODWLRQV

67 $PRUWL]DWLRQ

72 ,QWHUHVW5DWH&RQYHUVLRQV

72 ,QYHVWPHQWV:LWK'LIIHUHQW&RPSRXQGLQJ3HULRGV

73 &RPSRXQGLQJDQG3D\PHQW3HULRGV'LIIHU

675 Cash Flow Calculations

75 +RZWR8VHWKH&DVK)ORZ$SSOLFDWLRQ

77 139DQG,55<5'LVFRQWLQXLQJ&DVK)ORZV

77 2UJDQL]LQJ&DVK)ORZV

78 (QWHULQJ&DVK)ORZV

79 9LHZLQJDQG5HSODFLQJ&DVK)ORZV

80 &DOFXODWLQJ1HW3UHVHQW9DOXH

83 &DOFXODWLQJ,QWHUQDO5DWHRI5HWXUQ

84 $XWRPDWLF6WRUDJHRI,55<5DQG139

785 Statistical Calculations

85 &OHDULQJ6WDWLVWLFDO'DWD

86 (QWHULQJ6WDWLVWLFDO'DWD

86 2QH9DULDEOH6WDWLVWLFV

86 7ZR9DULDEOH6WDWLVWLFVDQG:HLJKWHG0HDQ

87 &RUUHFWLQJ6WDWLVWLFDO'DWD

87 &RUUHFWLQJ2QH9DULDEOH'DWD

87 &RUUHFWLQJ7ZR9DULDEOH'DWD

87 6XPPDU\RI6WDWLVWLFDO&DOFXODWLRQV

88 0HDQ6WDQGDUG'HYLDWLRQVDQG6XPPDWLRQ6WDWLVWLFV

90 /LQHDU5HJUHVVLRQDQG(VWLPDWLRQ

93 :HLJKWHG0HDQ

8 Contents

895 Additional Examples

95 %XVLQHVV$SSOLFDWLRQV

95 6HWWLQJD6DOHV3ULFH

96 )RUHFDVWLQJ%DVHGRQ+LVWRU\

97 &RVWRI1RW7DNLQJD&DVK'LVFRXQW

98 /RDQVDQG0RUWJDJHV

98 6LPSOH$QQXDO,QWHUHVW

98 &RQWLQXRXV&RPSRXQGLQJ

99 <LHOGRID'LVFRXQWHGRU3UHPLXP0RUWJDJH

101 $QQXDO3HUFHQWDJH5DWHIRUD/RDQ:LWK)HHV

103 /RDQ:LWKD3DUWLDO2GG)LUVW3HULRG

104 $XWRPRELOH/RDQ

105 &DQDGLDQ0RUWJDJHV

106 :KDWLI«790&DOFXODWLRQV

108 6DYLQJV

108 6DYLQJIRU&ROOHJH&RVWV

110 *DLQV7KDW*R8QWD[HG8QWLO:LWKGUDZDO

112 9DOXHRID7D[DEOH5HWLUHPHQW$FFRXQW

113 &DVK)ORZ([DPSOHV

113 :UDS$URXQG0RUWJDJHV

115 1HW)XWXUH9DOXH

A117 Assistance, Batteries, and Service

117 $QVZHUVWR&RPPRQ4XHVWLRQV

118 (QYLURQPHQWDO/LPLWV

119 3RZHUDQG%DWWHULHV

119 /RZ3RZHU$QQXQFLDWRU

119 %DWWHU\6SHFLILFDWLRQV

119 ,QVWDOOLQJ%DWWHULHV

121 'HWHUPLQLQJLIWKH&DOFXODWRU5HTXLUHV6HUYLFH

122 /LPLWHG2QH<HDU:DUUDQW\

122 :KDW,V&RYHUHG

122 :KDW,V1RW&RYHUHG

123 &RQVXPHU7UDQVDFWLRQVLQWKH8QLWHG.LQJGRP

Contents 9

123 ,IWKH&DOFXODWRU5HTXLUHV6HUYLFH

123 2EWDLQLQJ6HUYLFH

124 6HUYLFH&KDUJH

124 6KLSSLQJ,QVWUXFWLRQV

124 :DUUDQW\RQ6HUYLFH

125 6HUYLFH$JUHHPHQWV

125 5HJXODWRU\,QIRUPDWLRQ

126 (QGXVHUWHUPVDQGFRQGLWLRQV

B129 More About Calculations

129 ,55<5&DOFXODWLRQV

129 3RVVLEOH2XWFRPHVRI&DOFXODWLQJ,55<5

130 +DOWLQJDQG5HVWDUWLQJ,55<5

130 (QWHULQJD*XHVVIRU,55<5

131 (IIHFWRI8VLQJΣ²WR&RUUHFW'DWD

131 5DQJHRI1XPEHUV

132 (TXDWLRQV

132 0DUJLQDQG0DUNXS&DOFXODWLRQV

132 7LPH9DOXHRI0RQH\790

132 $PRUWL]DWLRQ

133 ,QWHUHVW5DWH&RQYHUVLRQV

134 &DVK)ORZ&DOFXODWLRQV

135 6WDWLVWLFV

C137 Messages

139 Index

Autres manuels pour 10bII

Table des matières

Manuels Calculatrice populaires d'autres marques

Casio

Casio CFX-9970G Manuel utilisateur

LEXIBOOK

LEXIBOOK EL350 Manuel utilisateur

Citizen

Citizen SDC-414N Manuel utilisateur

Casio

Casio fx-3800P Manuel utilisateur

Canon

Canon P26-DHIII Manuel utilisateur

Citizen

Citizen 520DPA Manuel utilisateur

Sharp

Sharp EL-9900 Manuel utilisateur

Casio

Casio FX-9860GII - SOFTWARE VERSION 2-00 Manuel utilisateur

Casio

Casio MS-7UC Manuel utilisateur

Sharp

Sharp WriteView EL-W506 Manuel technique

Casio

Casio FC-200 Manuel utilisateur

Casio

Casio fx-CG50 Manuel utilisateur

Royal

Royal CBC2000 Manuel utilisateur

Heathkit

Heathkit IC-2009 Manuel utilisateur

Universal

Universal UNV-15907 Manuel utilisateur

Sharp

Sharp EL-9650 Manuel utilisateur

Casio

Casio ALGEBRA FX 2.0 Manuel utilisateur

Casio

Casio CLASSPad300 - ClassPad 300 Touch-Screen Graphing Scientific... Manuel utilisateur