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manual abstract
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 keystroke programs contained herein. © Hewlett-Packard Co. 1988. All rights reserved. Reproduction, adaptation, or translation of this manual is prohibited without prior written permission of Hewlett-Packard Company, except as allowed under the copyright laws. The programs that control your calculator arc copyrighted and all rights are reserved. Reproduction, adaptation, or translation of those programs without prior written permission of Hewlett-Packard Co. is also prohibited. Corvallis Division 1000 N.E. Circle Blvd. Corvallis, OR 97330, U.S.A. Printing History Edition 1 Edition 2 Edition 3 Edition 4 Edition 6 October 1988 June 1989 June 1990 August 1992 November 1994 Welcome to the HP-1 OB Your HP-10B rcflccts (he superior quality and attention to detail in engineering and manufacturing that have distinguished Hewlett-Packard products for 50 years. Hewlett-Packard stands behind this calculator —we offer expertise to support its use (see inside the back cover) and worldwide service. Hewlett-Packard Quality Our calculators arc made to cxcel and to be easy to use. ■ This calculator is designed to withstand the drops* vibrations, pollutants (smog, ozone), temperature extremes, and humidity variations that it may encounter in everyday work life. ■ The calculator and its manual have been designed and tested for ease of use. We added many examples to highlight the varied uses of the calculator. Advanced materials and permanent, molded key lettering provide a long keyboard life and a positive feel to the keyboard. ■ CMOS (low-powcr) electronics and a liquid-crystal display allow data to be retained indefinitely and the batteries to last a long time. ■ The microprocessor has been optimized for fast and reliable computations using 15 digits internally for precise results. ■ Extensive research has created a design that has minimized the adverse effects of static electricity, a potential cause of malfunctions and data loss in calculators. Wolcomo to tho HP-10B 3 Features The features of the HP-10B and the manual reflect the needs and wishes of many customers: ■ A large 12-character display. ■ An At-a-Glance scction in the manual for quick reference. ■ Applications to solve business and financial tasks: m Time Value Of Money. Loans, savings, leases, and amortization schedules. ■ Interest Conversion. Nominal and effective rates. ■ Cash Flows. Net present value and internal rate of return. ■ Business Percentages. Percent change, markup, and margin calculations. ■ Statistics. Mean, standard deviation, correlation coefficient, and linear regression forecasting, plus other statistical calculations. ■ Enough memory to store an initial cash flow and 14 cash flow groups, with up to 99 cash flows per group. ■ Fifteen numbered storage registers. ■ Easy access to functions saves keystrokes and adds convenience. * Auto-increment capability for amortization schedules. ■ Labels for amortization and cash flows. ■ Automatic constant. ■ 3-key memory. ■ Many examples are included in the manual so you can combine them for your specific needs. 4 Wotcomo to ttio HP-10B Contents 10 At a Glance... 10 Basics 11 Percentages 12 Memory Keys 13 Time Value of Money (TVM) 14 TVM What if... 15 Amortization 16 Interest Rate Conversion 17 IRR/YR and NPV 19 Statistics 21 Getting Started 21 Power On and Off 21 Adjusting the Display Contrast 21 Simple Arithmetic Calculations 23 Understanding the Display and Keyboard 23 Cursor 23 Clearing the Calculator 23 Clearing Memory 24 Annunciators 24 Shift Key 25 INPUT Key 25 SWAP Key 25 Math Functions 26 Display Format of Numbers 27 Specifying Displayed Decimal Places 27 Scientific Notation 28 Displaying the Full Precision of Numbers Contents 5 28 Interchanging the Period and Comma 28 Rounding Numbers 29 Messages 29 Picturing Memory 2 31 Business Percentages 31 Percent Key 31 Finding a Pcrccnt 32 Adding or Subtracting a Pcrccnt 32 Percent Change 33 Margin and Markup Calculations 33 Margin Calculations 34 Markup on Cost Calculations 34 Using Margin and Markup Together 3 35 Number Storage and Arithmetic 35 Using Stored Numbers in Calculations 35 Using Constants 37 Using the M Register 38 Using Numbered Registers 39 Doing Arithmetic Inside Registers 40 Doing Arithmetic 41 Power Operator 41 Using Parentheses in Calculations 4 43 Picturing Financial Problems 43 How to Approach a Financial Problem 44 Signs of Cash Flows 45 Periods and Cash Flows 45 Simple and Compound Interest 45 Simple Interest 46 Compound Interest 47 Interest Rates 47 Two Types of Financial Problems 47 Recognizing a TVM Problem 49 Recognizing a Cash Flow Problem 6 Contents 5 51 Time Value of Money Calculations 51 Using (he TVM Application 53 Clea...