HP 20B User Manual
Page 4
Contents
4
Two-Number Functions ....................................................................................................26
Storing and Recalling Numbers........................................................................................27
Recall Arithmetic...............................................................................................................28
Storing and Recalling with Time Value of Money (TVM) Keys .........................................28
Recalling a Menu Item Value in a Menu ...........................................................................28
Rounding Numbers...........................................................................................................28
Percentages......................................................................................................................28
3
Time Value of Money
Time Value of Money (TVM) Keys....................................................................................30
Calculating Payments on a Loan ................................................................................32
Amortization......................................................................................................................33
Creating an Amortization Schedule ............................................................................34
Interest Conversion Menu.................................................................................................35
Using the Interest Conversion Menu...........................................................................35
Canadian Mortgages: TVM Canada .................................................................................36
Canadian Mortgage Example .....................................................................................38
4
Cash Flows
Cash Flow Example..........................................................................................................40
Analyzing Cash Flows.................................................................................................42
Editing Cash Flows .....................................................................................................44
Sample Cash Flow Diagrams ...........................................................................................45
5
Bonds
The Bond Menu ................................................................................................................46
Bond Calculation Example..........................................................................................47
6
Date Calculation
The Date Calculation Menu ..............................................................................................49
Date Calculation Example...........................................................................................49
7
Break-even
The Break-even Menu ......................................................................................................51
Break-even Example...................................................................................................51
8
Business Problems
The Percent Calculation Menu .........................................................................................53
Percent Calculation Examples ....................................................................................54
9
Depreciation
The Depreciation Menu ....................................................................................................56
Depreciation Example.................................................................................................58
10 Statistical Operations
The Data and Stats Menus ...............................................................................................61