HP 20b Business Consultant Bedienungsanleitung
HP 20b Business Consultant
Financial Calculator Quick Start Guide
For free training, visit www.hp.com/go/calctraining
HP part number: F2219-90001
First edition: January 2008
Basic Features
2
Legal Notices
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 Company 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.
Copyright © 2008 Hewlett-Packard Development 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
16399 West Bernardo Drive
MS 8-600
San Diego, CA 92127-1899
USA
3
Contents
Legal Notices 2
HP 20b Business Consultant 4
1 Basic Features 6
2 Mathematical Calculations 20
3 Statistical Operations 34
4 Time Value of Money 40
5 Cash Flows 50
6 Business Problems 62
7 Bonds 68
8 Depreciation 74
9 Break-even 81
10 Warranty, Regulatory, and Contact Information 84
HP 20b Business Consultant
4
HP 20b Business Consultant
HP 20b Business Consultant
5
Keyboard Map Legend
No. Feature Chapter(s) No. Feature Chapter(s)
1Time Value of
Money keys 416 Annunciator
display area 1
2Cash Flows, IRR,
and NPV menus 515 Amortization and
Depreciation
menus
4,8
3Data and Statistics
menus 314 % key and
Percent
Calculation menu
2,6
4Input 113 Store and Recall 1
5Memory 112 Break-even menu 9
6Up/Insert and
Down/Delete keys 111 Backspace key
and Reset menu 1
7Shift key 110 Math Menu 2
8On/Off 19Mathematical
functions (rows) 2
Basic Features
6
1 Basic Features
Welcome to the HP 20b Financial Calculator
This guidebook is designed to get you started with your new 20b Financial
Calculator. If you require more detailed information about calculator operation
and features, please refer to the training materials available at:
www.hp.com/go/calctraining.
Turning the Calculator On and Off
To turn on your calculator, press O. To turn it off, press :a.
Turning the calculator off does not erase any data you have stored. The
calculator automatically turns itself off after approximately five minutes to
conserve energy. If you see the low battery symbol () in the display, replace
the batteries. See
Chapter 10, Warranty and Contact Information
for instructions
on replacing the batteries.
Selecting a Language
English is stored as the default language. To select a language other than
English for messages on the display:
1. Press :u to access the Mode menu.
FIX=
displays on the top
line of the screen.
Basic Features
7
2. Press >repeatedly until English displays on the screen.
3. Press Iuntil the desired language is displayed. The displayed
language is the active setting.
4. Press Oto return to the default calculator screen.
For more information on accessing menus and changing calculator settings, refer
to the section below titled,
Accessing Menus
.
Adjusting the Display Contrast
To adjust the brightness of the display, press and hold Owhile pressing the
+or -keys. Each press of the +or -keys slightly increases or
decreases the brightness of the display.
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 1-1:
Figure 1-1 Display Screen
Basic Features
8
The top line of the screen displays operation status, operator symbols,
annunciators, and abbreviations of the registers, variables, and menus.
Throughout this manual, this line is referred to as the
top line
. In Figure 1-1,
SIN
and
RPN
on the far right are on the top line.
The bottom line displays numbers you have entered, or results. Throughout this
manual, this line is referred to as the
bottom line
.
When no operations have been entered and no operations are pending, the
bottom line of the screen displays
0
. This state of the calculator is referred to as
the
default calculator screen
.
The Mode Menu: Setting Preferences
The Mode menu allows you to customize the calculator. To access the Mode
menu, press :u. Press >or <repeatedly to scroll through the
menu starting with
FIX=2
(the number of digits displayed to the right of the
decimal point). Once an item is displayed, press Ito cycle through the
other options for that setting. To exit the Mode menu, press O. Table 1-1
below lists the items in the Mode menu
.
Basic Features
9
Table 1-1 Mode Menu Settings
Setting Display Description
FIX= 2 The current 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.
Degree or
Radian
The current angular mode in degrees or radians.
Default is
Degree
.
Pressing Itoggles between these options.
Date:
mm dd yyyy
or
dd mm yyyy
The current format for dates entered into menus:
mm dd yyyy
or
dd mm yyyy
. December 3, 2010 is entered as
12.032010
in
mm dd yyyy
format, or
3.122010
in
dd mm yyyy
format. Note
the (.) in both formats separating the first and second groups.
Default is
mm dd yyyy
format.
Pressing Itoggles between these options.
1.23 or 1,23 The current decimal separator as a decimal point or comma.
Default is decimal point,
1.23
Pressing Itoggles between these options.
Basic Features
10
Table 1-1 Mode Menu Settings
Setting Display Description
Decimal or
Comma
The current thousands separator. Decimal (1000.00 or
1,000.00); Comma (1000,00 or 1.000,00).
Default is decimal. Pressing Icycles through these
options.
Chain,
Algebraic, or
RPN
The current operation mode.
Default is
Chain
.
Pressing Icycles through these options.
English,
Français,
Deutsch,
Español
The current language option.
Default is
English
.
Pressing Icycles through these options.
Actual or
Cal.360
The current calendar options for bonds and date calculations.
Default is
Actual
Pressing Itoggles between these options.
Annual or
Semiannual
The current bond type.
Default is
Annual
.
Pressing Itoggles between these options.
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