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No. ofYears Save $ Monthly installment will be financing $108,000 at 8% for 30 years. s your payment? Number of years What i FINANCIAL OFF $ $ $ $ SAVING LOAN ON Tax Set Margin Sell Cost Cost Cost Sell Sell Tax Tax Margin Margin Foreign Rate Set Currency Converter AT-10 Yr Int% L$ S/P$ D/M Yr F$ MXN RATE USD Interest Calculations Business Profit analysis (cost, sell & margin) 4. Replace the lithiumbattery (CR-2025), (See “Battery Replacement” below for Annual Yield % Month /Year Annual yield Compute Future $ Calculate change-out procedure.) Number of Future value compoundperiods a year [ON] Pressing this key and holding it a second turns the calculator on. This key How much money will I have if I save $150 is also used to clear all calculations, which a month at 4% for the next 10 years? is accomplished with a tap. Power On and Off Home Loan of $108,000 [Loan $] Number of yearsto pay 30 [No. of Years] Interest Rate 8% [Interest Rate %] 12 payments a year 12 [Month/Year] Press--[Compute] [Pay$] $792.47 A word about mortgage payments (PITI) A mortgage payment will include the mortgage payment principal and interest, in this case$792.47. It will also include the monthly realestate taxes and insurance payment (Divide the annual rate by 12 to get the monthly rate). For Example: Annual taxes at $2,400, and annual insuranceat $600 = $200 monthly tax payment + a $50monthly insurance payment. Adding these to Save $150 a month 150 [Save $] For 10 years 10 [No. of Years] At 4% interest rate 4 [Annual Yield %] Making 12paymentsa year 12 [Month/Year] Press--[Compute] [Future$] $22’ 161.10 [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. Operation Manual Battery Replacement the total payment of $792.47 give us a total Loan calculations monthly payment of $1,042.47 (This is called Your Financial Calculator 1. Slide the unit out of its case and turn is designed to be reliableand easy to use. This manual will provide clearinstructions for all productfunctions. An Affordable, 12-Digit Multi-function Calculator with Built-in Software Components. Features Calculate the Time and Value of Money (Savings, Automobile and Mortgage Loans). the unit over,face down. 2. Use a small head screwdriver to loosen two screws on batterycompartment coverand remove the cover (see diagram). 3. Use a small head screwdriver to push up old battery. (see diagram) No ofYears Loan $ Mortgage amount Number of years Interest Rate % Month /Year Compute Pay $ Calculate Interest rate Number of Monthly payment compound periods a year Calculating an automobile loan You have your eye on a new car. The cost of the car is $22,000, andyour down payment will be $5,000. You will be financing $17,000 at 8%. What will your payments be? 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 monthlyincome on housing. If your combinedfamily monthly income is $6,000, you canafford a mortgage payment (PITI) of $1,680. (Other payments. like credit card and carpayments, installment loans, etc., should notexceed 36% of your gross family monthly income.) $6,000 [X] 28 [%] $1’680 How much loan can I get with 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 making sure the positive (+) side is up. 5. Replace the cover and screws. Note: The Lithium battery in this calculator should be replaced approximately every 2 years. Automotive Loan $17,000 [Loan $] Number of years to pay 5 [No. of Years] Interest Rate 8% [Interest Rate%] 12 payments a year 12 [Month/Year] Press--[Compute] [Pay$] $344.70 a PITI of $1,680 Enter Payment $1,680 [Pay $] Number of yearsto pay 30 [No. of Years] Interest Rate 8% [Interest Rate%] 12 payments a year 12 [Month/Year] Press--[Compute] [Loan $] $228’956.27 Simple Arithmetic Calculations [+], [-], [X], [.] and [=] are the standard function keys. Press the Equal key [=] to obtain the result of an operation. If the wrong function key is pressed duringan operation, pressing the correct key willcancel the previous function. Here is an example of addition: 9 [+] 9 [=] 18 Working with Percentages Calculating percentages is easy with your AT-10. What percentage of 211 is 40? 40 [.] 211 [%] 18.9573459715% What is 37% of 931? 931 [X] 37 [%] 344.47 Working with the Memory The memory functions of this calculator areaccessed with 3 keys: • To store data in memory [M+]. • To subtract data from memory [M-]. • And finally, to recall stored memory [MRC]. Tapping [MRC] once displays the datastored in memory. Tapping [MRC] twice clears all data sto...