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manual abstract
This key is also used to clear all calculations, which is accomplished with a tap. [OFF] Turns the calculator off. The unit also has an auto power-off feature which turns the unit off after 5 minutes of non-use. [CE] Tapping this key clears only the last entry without clearing the problem. Note: The Lithium battery in this calculator should be replaced approximately every 2 years. Battery Replacement Features Calculate the Time and Value of Money (Savings, Automobile and Mortgage Loans). Interest Calculations Business Profit analysis (cost, sell & margin) Currency conversions Tax Calculations Savings Calculations Built-in 3-key Memory Functions Auto Power-Off -- Turns Unit off After 5 Minutes Idle Slip Cover -- Slips the Unit Out of the “Base”, Reverse it, and Slide it Back in the Base to Store. Integrated Flip-Down Stand, for Easy Viewing Adjustment Financial Planner Model DH-170FS Operation Manual Number of years Annual yield Future value Calculate Save $ Compute Future $ No. of Years Annual Yield % Month /Year Number of compound periods a year Monthly installment [Compute] [Future$] $22, 161.10 [Save $] [No. of Years] [Annual Yield %] [Month/Year] Press-- Loan calculations Number of years Interest rate Monthly payment Calculate Loan $ Compute Pay $ No of Years Interest Rate % Month /Year Number of compound periods a year Mortgage amount [Compute] [Pay$] Automotive Loan Number of years to pay Interest Rate 12 payments a year Press-- Your Financial Planner from Datexx® is designed to be reliable and easy to use. This manual will provide clear instructions for all product functions. An Affordable, 12-Digit Multi-function Calculator with Built-in Software Components. 1. Slide the unit out of its case and turn the unit over,face down. 2. Use a small head screwdriver to loosen two screws on battery compartment cover and remove the cover (see diagram). 3. Use a small head screwdriver to push up old battery. (see diagram) 4. Replace the lithium battery (CR-2025), making sure the positive (+) side is up. 5. Replace the cover and screws. Making 12 payments a year 12 At 4% interest rate 4 For 10 years 10 Save $150 a month 150 How much money will I have if I save $150 a month at 4% for the next 10 years? Calculating the Time Value of Money Savings calculations $342.42 12 [Month/Year] 8% [Interest Rate%] 5 [No. of Years] $17,000 [Loan $] You have your eye on a new car. The cost of the car is $22,000, and your down payment will be $5,000. You will be financing $17,000 at 8%. What will your payments be? Calculating an automobile loan You are buying a $120,000 Town House. Your down payment is 10% ($12,000), and you will be financing $108,000 at 8% for 30 years. What is your payment? [Compute] [Pay$] $787.22 Home Loan of $108,000 [Loan $] Number of years to pay 30 [No. of Years] Interest Rate 8% [Interest Rate %] 12 payments a year 12 [Month/Year] Press-- A word about mortgage payments (PITI) A mortgage payment will include the mortgage payment principal and interest, in this case $787.22. It will also include the monthly real estate taxes and insurance payment (Divide the annual rate by 12 to get the monthly rate). For Example: Annual taxes at $2,400, and annual insurance at $600 = $200 monthly tax payment + a $50 monthly insurance payment. Adding these to the total payment of $787.22 give us a total monthly payment of $1,037.22 (This is called Principal + Interest + Taxes + Insurance or PITI.) How to compute the mortgage payment you can afford Industry guidelines indicate that a consumer should spend about 28% of his monthly income on housing. If your combined family monthly income is $6,000, you can afford a mortgage payment (PITI) of $1,680. (Other payments. like credit card and car payments, installment loans, etc., should not exceed 36% of your gross family monthly income.) How much loan can I get with a PITI of $1,680 [Compute] [Loan $] $230,482.65 Enter Payment $1,680 [Pay $] Number of years to pay 30 [No. of Years] Interest Rate 8% [Interest Rate%] 12 payments a year 12 [Month/Year] Press-- Loan Calculations Calculating a mortgage $6,000 [X] 28 [%] $1,680 Finding a Square Root To find a square root, enter the number and press the square root key. 620 [.] [=] 24.899 Currency Exchange To determine a currency exchange rate, you need to enter the current exchange rate value. For example, if the Euro was currently pegged at 1 Euro = 0.9822 of the U S Dollar, here is how you would do the calculations: 1. Select and hold down the [USD] key until “0” shows. 2. Enter the USD value (0.9822). 3. Press the [USD] key setting the value. How much is $150 in the Euro currency? Enter 150 Press [USD] Press [Foreign] 152.72 How much is 275 in the Euro currency worth in U S Dollars? Enter 275 Press [Foreign] Press [USD] $270.11 Tax Calculations To perform a tax calculation, program your calculator with the tax rate by pressing and holding the [%] key until “0” is displayed. If, for example, the Tax Rate is 3.75%, enter that value. ...