HP HP10BII Bedienungsanleitung

VI.Hewlett Packard (HP) 10BII

The HP10BII is programmed to perform two basic types of operations: statistical operations and

financial operations. Various types of computations are activated by depressing the mauve or orange

“shift” keys located in theleftmost column of keys on the keypad. The mauve colored shift key

activates mainly statistical functions and operations indicated in mauve written above some of the

keys on the keypad. The orange colored shift key activates mainly financial functions andoperations

indicated on the bottom half of most of the keys on the keypad.

The HP 10BII has continuous memory. Therefore, turning of the calculator does not affect the

information you have previously stored in the calculator. If not turned off manually, the calculator will

turn off automatically approximately 10 minutes after last use. The HP 10BII uses two lithium

batteries and has a low battery indicator symbol which is activated when battery power is low

indicating the need to replace them.

It is worth noting that the cursor ( _ ) is visible when you are entering a number and that using the

back key (?) will erase the last digit entered and visible on the display. When the cursor ( _ ) is not

visible, then pressing the back key (?) will clear the entire display and cancel any pending

calculation. When you are entering a number, pressing(C) also clears it to zero.

This guide uses the notation OS to indicate the selection of the orange shift key.

A. Turning the calculator on and off, clearing the display, clearing error messages, clearing

memory, and setting the decimal points:

Keystrokes Display Description

1. ON 0.00 Turns the calculator on.

2. OS1ON Turns the calculator off.

3. CClears the display of its

current contents and cancels

the current calculation.

4. ? or C Clears any error message and

restores the original contents

of the display.

5.OS C All 0.00 Clears all memory. Does not

reset modes.2

1The keystroke symbol OS indicates the need to depress the orange shift key located in the left column of the keypad at the third

position from the bottom.

2Modes on the HP 10 BII include (a) the number of payments assumed to occur each year, (b) whether payments occur at the

beginning or the end of the year, and (c) and the number of decimals displayed.

6. (Hold) ON NFV 0.00 Press and hold down ON, N,

and FV. When you release all

three, memory is cleared and

all functions revert to original

factory settings.

7.OS CL?.0.00 Clears statistical memory.

8. OS DISP (0 through 9) or (.) Selecting 0 through 9 will set

the number of decimal places

displayed to the number

selected. Selecting (.) will

cause the number of decimal

places displayed to “float.”

B. Using the memory capability:

The HP 10BII can store numbers for re-use in several different ways:

?? Use the (K) or constant key to store a number and its operator for repetitive operations.

?? Use the3 key memory [(?M), (RM), and (M+)] to store, recall, and sum numbers respectively.

?? Use (OS) (STO) and (RCL) to store to, and recall from, the 10 numbered registers.

Using Constants: Use (K) to store a number and arithmetic operator for repetitive calculations.

Example: Calculate 5 +2, 6 +2, and 7 +2.

Keystrokes Display Description

1. (5) (+) (2) (K) 2.00 Stores “+2” as constant.

2. (=) 7.00 Adds 5 + 2.

3. (6) (=) 8.00 Adds 6 + 2.

4. (7) (=) 9.00 Adds 7 + 2.

Using the M Register: The (?M), (RM), and (M+) keys perform memory operations in a single

storage register called the M register. Although it generally is unnecessary to clear the M register, it

can be cleared by pressing (0) (?M). To add a series of number to the M register, use (?M) to store

the first number and (M+) to add subsequent numbers. To subtract numbers from the M register,

press (+/-).

Example: Use the M register to add 17, 14, and 16. Then subtract 4 and recall the result.

Keystrokes Display Description

1. (1) (7) (?M) 17.00 Stores 17 in the M register.

2. (14)(M+) 14.00 Adds 14 to M register.

3. (16) (M+)16.00 Adds 16 to M register.

4. (4) (+/-) (M+) -4.00 Adds -4 to the M register.

5. (RM) 43.00 Recalls contents ofthe M

Using Numbered Registers: The (OS) (STO) and (RCL) keys access the 10 user registers. The

(OS) (STO) key is used to copy the displayed number to a designated register. The (RCL) key is

used to copy a number from the register to the display.

Storing and recalling numbers requires two steps:

1. Press (OS) (STO) or (RCL). To cancel this step, press (?) or (C).

2. Enter the register number (0 through 9).

Example: In the following example, two storage registers are used.Calculate the following: 475 ÷ 39

and (560 + 475) ÷ 39.

Keystrokes Display Description

1. (475) (OS) (STO)(1) 475.00 Stores 475 in register 1.

2. (÷) (39) (OS) (STO) (2) 39.00 Stores 39 in register 2.

3. (=) 12.18 Completes the first

calculation.

4. (560) (+) (RCL)(1) 475.00 Recalls register 1.

5. (÷)(RCL) (2) 39.00 Recalls register 2.

6. (=) 26.54 Completes the second

calculation.

C. Time Value Basics: Clearing time value of money (TVM) registers, setting beginning and

end-of-period modes, and establishing interest rate compounding frequency.

Keystrokes Display Description

Clear all memoryincluding TVM.

1. (OS) (C ALL) 0.00 Clears Time-Value-of-Money

worksheet. This sets N, I/YR,

PV, PMT, and FV to zero and

briefly displays the current

value of P/YR.

Set begin and end modes.

1. (OS) (BEG/END) BEGIN The calculator comes

programmed with the

assumption that cash flows

occur at the end of the period.

This keystroke combination

sets the calculator to the

beginning-of-period.

2. (OS) (BEG/END) Resets the calculator to end-

of-the period mode.

Set compounding frequency.

1. (1) (OS) (P/YR) 1.00 Sets the frequency of interest

compounding to one time per

year. The calculator is factory

programmed to assume 12

compounding periods per

year.

D.Calculating the present value of a lump sum amount:

Example: Liz anticipates it will cost her $65,000 to buy a house in eighteen months. How much

should she invest today, at an annual interest rate of 15% (interest is compounded monthly), to be

able to afford the house in one and a half years?

Keystrokes Display Description

Clear all memory.

1. (OS) (CALL) 0.00 Clears Time-Value-of-Money

worksheet.

2. (65000) (FV) 65,000.00 Enter $65,000 as the future

value.

3. (18) (N) 18.00 Enter the number of periods

of 18 months.

4. (15) (I/Y) 15.00 Enter the annual interest rate

of 15%.

5. (PV) -51,975.99 Computes the present value

deposit needed to accumulate

to $65,000 in 18 months

assuming 15% annual interest

compounded monthly.

Note: The display in step 5has a negative sign because it represents a cash outflow (investment) today.

E.Calculating the future value of a lump sum amount:

Example: If John invests $1,850 today in an asset earning a 10% rate of return (compounded

annually), how much will he have after two years?

Keystrokes Display Description

Clear all memory.

1. (OS) (C ALL) 0.00 Clears Time-Value-of-Money

worksheet.

2. (1) (OS) (P/YR) (C) 0.00 Sets the frequency of

compounding to once per

year and clears the register.

3. (1850) (PV) 1,850.00 Enter $1,850 as the present

value.

4. (2) (N) 2.00 Enter the number of periods

of 2 years.

5. (10) (I/Y) 10.00 Enter the annual interest rate

of 10%.

6. (FV) -2,238.50 Computes the future value of

$1,850 deposit earning 10

percent annual interest after 2

years.

F. Calculating the present value of an annuity:

Example: How much should you invest now so that, starting one year from today, your daughter can

receive $6,000 per year for the next five years? Assume the discount rate is 15%.

Keystrokes Display Description

Clear all memory.

1. (OS) (C ALL) 0.00 Clears Time-Value-of-Money

worksheet.

2. (1) (OS) (P/YR) (C) 0.00 Sets the frequency of

compounding to once per

year and clears the register.

3. (6000) (PMT) 6,000.00 Enter $6,000 as the annuity

payment.

4. (5) (N) 5.00 Enter the number of periods

of 5 years.

5. (15) (I/Y) 15.00 Enter the annual interest rate

of 15%.

6. (PV) -20,112.93 Computes the present value

of a $6,000end-of-the period

annuity earning 15 percent

annual interest for 5 years.

G. Calculating the present value of an annuity due:

Example: In this case, instead of receiving payments at the end of each year, your daughter will

receive the payments at the beginning of each year. Therefore, her first payment will be received

immediately.

Keystrokes Display Description

Clear all memory.

1. (OS) (C ALL) 0.00 Clears Time-Value-of-Money

worksheet.

2. (1) (OS) (P/YR) (C) 0.00 Sets the frequency of

compounding to once per

year and clears the register.

3. (OS) (BGN/END) 0.00 In addition to the 0.00 on the

LED display, the word BEGIN

should now appear indicating

beginning of the period

payments.

4.(6000) (PMT) 6,000.00 Enter $6,000 as the annuity

payment.

5.(5) (N) 5.00 Enter the number of periods

of 5 years.

6.(15) (I/Y) 15.00 Enter the annual interest rate

of 15%.

7. (PV) -23,129.87 Computes the present value

of a $6,000beginning-of-the-

period annuity earning 15

percent annual interest for 5

years.

H. Calculating the future value of an annuity:

Example: You have recently won a lottery for $10,000. Your winnings will come in five annual

payments of $2,000 each, starting one year from now. If the annual compound rate is 11.4%, how

much is the lottery worth at the end of five years?

Keystrokes Display Description

Clear all memory.

1. (OS) (C ALL) 0.00 Clears Time-Value-of-Money

worksheet.

2. (1) (OS) (P/YR) (C) 0.00 Sets the frequency of

compounding to once per

year and clears the register.

3. (2000) (PMT) 2,000.00 Enter $2,000 as the annuity

payment.

4. (5) (N) 5.00 Enter the number of periods

of 5 years.

5. (11.4) (I/Y) 11.4 Enter the annual interest rate

of 11.4%.

6. (FV) -12,555.07 Computes the future value of

a $2,000 end-of-the period

annuity earning 11.4 percent

annual interest for 5 years.

I. Calculating the future value of an annuity due:

Example: In this case, your winnings will be paid at the beginning, instead of at the end, of eachyear

for five years. So, you are going to get the first payment of your $10,000 lottery, i.e. $2,000,

immediately! Thereare two methods to calculate the future value of an annuity due:

Keystrokes Display Description

Clear all memory.

1. (OS) (C ALL) 0.00 Clears Time-Value-of-Money

worksheet.

2. (1) (OS) (P/YR) (C) 0.00 Sets the frequency of

compounding to once per

year and clears the register.

3. (OS) (BGN/END) 0.00 In addition to the 0.00 on the

LED display, the word BEGIN

should now appear indicating

beginning of the period

payments.

4.(2000) (PMT) 2,000.00 Enter $2,000 as the annuity

payment.

5.(5) (N) 5.00 Enter the number of periods

of 5 years.

6.(11.4) (I/Y) 11.4 Enter the annual interest rate

of 11.4%.

7. (FV) -13,986.35 Computes the future value of

a $2,000 beginning-of-the-

period annuity earning 11.4

percent annual interest for 5

years.

J.Calculating the net present value (NPV) of a series of equal or uneven cash flows using

the cash flow (CFj) register.

Example: Jane thinks if she invests $80,000 by buying property today, she can get $15,000 in rent

from it for each of the next twenty years (the rent will be paid quarterly). If she wants a rate of return

of 12% (with quarterly discounting) on her investment, what is the net present value of this project?

Keystrokes Display Description

Clear all memory.

1. (OS) (C ALL) 0.00 Clears Time-Value-of-Money

worksheet.

2. (4) (OS) (P/YR) (C) 0.00 Sets the frequency of

compounding to four times

per year and clears the

3. (80000) (+/-) (CFj) -80,000.00 Inputs initial cash outflow.

4. (1) (OS) (Nj) 1.00 Stores the frequency with

which the initial outflow of

$80,000 occurs.

5.(15000) (÷) (4) (=) (CFj) 3,750.00 Stores the quarterly cash

inflow.

6.(4) (x) (20) (=) (OS) (Nj) 80.00 Stores the number of

quarterly rent payments to be

received.

7.(12) (I/Y)12.00 Stores the annual interest

rate.

8.(OS) (NPV)33,252.86 Calculates the net present

value of the investment.

K. Calculating the internal rate of return(IRR) of a series of equal or uneven cash flows

using the cash flow (CFj) register.

Example: ABC Inc. is planning to spend $35,000 to buy a warehouse. Underthe contract, they will

receive an after-tax cash flow of $6,000 (paid semiannually) from the property for the next eight

years. What is the internal rate of return for the investment?

Keystrokes Display Description

Clear all memory.

1. (OS) (C ALL) 0.00 Clears Time-Value-of-Money

worksheet.

2. (2) (OS) (P/YR) (C) 0.00 Sets the frequency of

compounding to twice per

year and clears the register.

3. (35000) (+/-) (CFj) -35,000.00 Inputs initial cash outflow.

4. (1) (OS) (Nj) 1.00 Stores the frequency with

which the initial outflow of

$35,000 occurs.

5. (6000) (÷) (2) (=) (CFj) 3,000.00 Stores the quarterly cash

inflow.

6. (8) (x) (2) (=) (OS) (Nj) 16.00 Stores the number of

quarterly rent payments to be

received.

7. (OS) (IRR/YR) 7.97 Computes the internal rate of

return of the investment.

L.Bond valuation:

Example: How much would you be willing to pay for a bond today if it pays $100 in interest annually

for 20 years (starting next year), and has a principal payment of $1,000? The yield to maturity is 15%.

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