Manuel d'utilisation / d'entretien du produit Calculator du fabricant Texas Instruments
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BA II PLUS™ PROFESSIONAL Calculator.
ii Important Information T exas Instruments makes no warranty , either express or implied, including but not limited to any imp lied warranties of merchantability and fitness for a particular purpo se, regarding any programs or book materials and makes such materials avai labl e solely on an “as-is ” basis.
T able of Contents T able of Contents iii 1 Overview of Calculator Operations .................................. 1 T urning On the Calculator ............ ........... .............. ............ ........... . 1 T urning Of f the Calc ulator ..........
iv T able of Conten ts Deleting Cash Flows.......... ............ .............. ........... .............. ......... 44 Inserting Cash Flows ..................... .............. ........... .............. ......... 44 Computing C ash Flows ..........
Overview of Calculator Operations 1 1 Overview of Calculat or Operations This chapter describes the basic operation of your BA I I PLUS™ PROFESSIONAL calcula tor , inc luding how to: • T urn on an.
2 Overview of Calculator Operations • The Constant Memory™ feature re tains all worksheet values and settings, includi ng the contents of the 10 memories and all format settings.
Overview of Calculator Operations 3 The indicators alon g the top of the display tell you which keys are active and offer information about the status of the calculator . Indicator Meaning 2nd Press a key to select its second function. INV Press a key to select its in verse trigonometric function.
4 Overview of Calculator Operations Setting Calculator Formats 1. T o access format opt ions, press & | . The DEC indicator appears with the select ed number of decimal places. 2. T o change the number of decimal pl aces displayed , key in a value and press ! .
Overview of Calculator Operations 5 Changing the number o f decimal p lac es af fects the display o nly . Except for amortization and depr eciati on result s, the calc ulator does not rou nd internal values. T o round the internal value , use the round functi on.
6 Overview of Calculator Operations Resetting the Calculator Because the calculator include s alternative methods that let you clear data selectively , use reset carefully to avoid losing data needlessly . (See “Clearing Calculator Entries and Memo ries” on page 6.
Overview of Calculator Operations 7 Correcting Ent ry Err ors Example : Y ou mean to calculat e 3 Q 1234.56 but instead enter 1234.86. The prompted worksheet and reset def ault values & z Calculat.
8 Overview of Calculator Operations Math Operations When you select the chain ( Chn ) calculation method, the calcul ator evaluates mathematical expres sions (for example, 3 + 2 Q 4) in the order that you enter them. Examples of Math Operations These operations require you to press N to complete.
Overview of Calculator Operations 9 * The random number you gene rate might be different. ** Angles can be computed in degrees or radians. Examples show angles in degre es. (See “Choosi ng the Angle Unit s” on page 5. ) Universal Power ; Press ; to raise the displayed positive number to any power (for example, 2 -5 or 2 (1/3) ).
10 Overview of Calculator Operat ions Parentheses 9 : Use parentheses to control the order in which the calcul ator evaluates a numeric ex pression in division, multiplication , powers, roots, and logarithm calculations. The calculat or includes up to 15 levels of parentheses and up to 8 pendin g operations.
Overview of Calculator Operations 11 For example, work ing in the Bond works heet, you might want to round a computed selling price to the neare st penny (two decimal places) before continuing your calculati on. Note: The calculator stores values to an accuracy of up to 13 digits.
12 Overview of Calculator Operat ions Memory Operat ions Clearing Memory Clearing memory before yo u begin a ne w calculation is a critic al step in avoiding errors. • T o clear an individual memory , store a zero value in it. • T o clear all 10 calculat or memori es, press & { & z .
Overview of Calculator Operations 13 • Memory arithmetic changes only th e value in the affected memory and not the displayed value. • Memory arithmet ic does not compl ete any calculat ion in progress . The table lists the availa ble memory arithmetic functions.
14 Overview of Calculator Operat ions Keystrokes for Constant Calculations This table shows how to create a constant for various operations. *The letter c denotes the constant value. ** Repeat co nstant calcul ations with n N . Last Answer Feature T o display the last answer computed , press &x .
Overview of Calculator Operations 15 Using W orksheets: T ools for Financial Solutions Each worksheet is independent of the others: oper ations in a worksheet do not affect varia bles in ot her wo rksheets. When you exit a worksheet or turn off the calculator , the calc ulat or retains all workshee t data.
16 Overview of Calculator Operat ions Accessing the TVM Worksheet V ariables Statistics worksheet (Chapter 6) Analyzes statistics on one- or two-variable data using four regressi on analysi s option s.
Overview of Calculator Operations 17 Accessing Prompted-W orksheet V ariables After you access a worksheet, press # or " to select variables. For example, press & to access the Amortization worksheet, and then press # or " to select the am ortization variables ( P1 , P2 , BAL , PRN , INT ).
18 Overview of Calculator Operat ions When you display a c ompute-only variable, the COMP UTE indicato r reminds you to press % to compute its value. After you press % , the indicato r confirms that the di splayed value has been com puted.
Overview of Calculator Operations 19 Display Indicators •T h e indicator confirms that the ca lculator entered th e displayed value in the worksheet.
20 Overview of Calculator Operat ions.
T ime-V alue-of-Money and Am ortization Worksheets 21 2 Time-V alue-of-Money and Amortization Wo r k s h e e t s After solvin g a TVM prob lem, you ca n use the Amortization worksheet to generate an amortization schedule. • T o access a TVM variable, press a TVM key ( , , - , .
22 T ime-V alue-of-Money and Amortization Worksheets TVM and Amortization W orksheet V ariables Note: This guide book categorizes calcul ator variables by the method of entry .
T ime-V alue-of-Money and Am ortization Worksheets 23 • T o generate an amorti zation schedule, press & , e nter th e first and last payment number in the range ( P1 and P2 ), and press " or # to compute values for each variable ( BAL , PRN , and INT ).
24 T ime-V alue-of-Money and Amortization Worksheets Entering V alues for I/Y , P/Y , and C/Y •E n t e r I/Y as the nominal interest rate. The TVM worksheet automatically converts I/Y to a per period rate b ased on t he values of P/Y and C/Y . • Entering a value for P/Y automatically enters the same value for C/Y .
T ime-V alue-of-Money and Am ortization Worksheets 25 • In worksheet modes the calculator displays only the value you enter or recall, although any variable label previously displayed remains displayed. Note: Y ou ca n tell that the displayed value is not assigned to the displayed variab le, because the = indicator is not displayed.
26 T ime-V alue-of-Money and Amortization Worksheets 6. Press & . — or — If INT is displayed, press # to display P1 again. 7. T o generate the am ortization schedule , repeat steps 2 through 5 for each range of payments.
T ime-V alue-of-Money and Am ortization Worksheets 27 Answer: The interest rate is 5.5% per year . Examples: Computing Basic Loan Payment s These examples show you how to co mpute basic loan payments on a $75,000 mortgage at 5.
28 T ime-V alue-of-Money and Amortization Worksheets Answer: The quarterly payments are $1,279.82. Examples: Computing V alue in Savings These examples show you how to comp ute the future and present values of a savings acco unt paying 0.5% co mpounded at the end of each year with a 20-year time frame.
T ime-V alue-of-Money and Am ortization Worksheets 29 Example: Computing P res ent V alue in Annuities The Furros Company purchased equipment provid ing an annual savin gs of $20,000 over 10 years.
30 T ime-V alue-of-Money and Amortization Worksheets Answer: The present value of the savings is $122,891.34 with an ordinary annuity and $135,180.48 with an annui ty due. Example: Compu ting Perpetual An nuities T o replace bricks in their highway system, the Land of O z has issued perpetual bonds p aying $110 per $1000 bond.
T ime-V alue-of-Money and Am ortization Worksheets 31 Perpetual annuity due Because the term (1 + I/Y / 100) - N in the present valu e annuity equations approaches zero as N increases, you can use the.
32 T ime-V alue-of-Money and Amortization Worksheets Given a 10% discou nt rate, does th e present value of the cash flows exceed the original cost of $23,000? T o Press Display Set all variables to defaults. & } ! RST 0.00 Enter interest rate per cash flow period.
T ime-V alue-of-Money and Am ortization Worksheets 33 Answer: The present value of the cas h fl ows is $23,171.23, which exce eds the machine’ s cost by $1 71.
34 T ime-V alue-of-Money and Amortization Worksheets The total value of the machine is th e present value of the residual value plus the present value of the lease payments.
T ime-V alue-of-Money and Am ortization Worksheets 35 Answer: Y our monthl y payment is $26.72. Example: Saving With Monthly Deposits Note: Accoun ts with payment s made at the begin ning of the pe riod are referred to as annuity due accounts. Interest begi ns accumulating earlier and produces sl ightly higher yields.
36 T ime-V alue-of-Money and Amortization Worksheets Answer: Depositing $200 at the beginn ing of each month for 20 years results in a future amount of $111,438.31. Example: Computing Amo unt to Borr ow and Down Payment Y ou consider buying a car for $15,10 0.
T ime-V alue-of-Money and Am ortization Worksheets 37 Answer: Y ou can borrow $13,441.47 with a down payment of $1,658.53. Example: Computing R egular Deposits for a Specified Futur e Amoun t Y ou plan to op en a savings accou nt and deposit the same am ount of money at the beginnin g of each month.
38 T ime-V alue-of-Money and Amortization Worksheets Example: Computin g Payments and Generating an Amortization Schedule This example shows you how to use the TVM and Amortization worksheets to calculate t he monthl y payments on a 30-year loan and generate an amortization schedule fo r the first three years of the loan.
T ime-V alue-of-Money and Am ortization Worksheets 39 Example: Compu ting Payment, In ter est, and Loan Balance After a Specifie d Payment A group of sellers considers fina ncing the sale pr ice of a property for $82,000 at 7% annual interest, amortize d over a 30-year term with a balloon paymen t due after five years.
40 T ime-V alue-of-Money and Amortization Worksheets Generating an Amortization Schedule for Interest and Balloon Payment If the s ellers finance d the sale , they w ould re ceive: • Monthly payment: $545.55 for five years • Interest: $27,790.72 over the five years • Balloon payment: $77,187.
Cash Flow Worksheet 41 3 Cash Flow Wo rksheet Cash Flow Works heet V ariables Use the Cash Flow workshee t to solve problems with unequal cas h flows. T o solve problems with equal cash flows, use the TVM worksheet. • T o access the Cash Fl ow worksheet an d initial cash flow value ( CFo ), press ' .
42 Cash Flow Worksheet * nn represent s the cash fl ow ( C01 – C32 ) or frequency ( F01 – F32 ) number . ** This guidebook categorize s variables by the method of entry . (See “T ypes of Worksheet V ariables” on page 17.) Resetting V ariables • T o reset CFo , C nn , and F nn to default values, press ' and then &z .
Cash Flow Worksheet 43 Uneven and Gr ouped Cash Flo ws Uneven Cash Flows The Cash Flow worksheet analyzes un equal cash flows over equal time periods. Cash-flow values can include both inflows (c ash received) an d outflows (cash paid out). All cash-flow problems start with an initial cash flow labeled CFo .
44 Cash Flow Worksheet 5. T o select the cash-flow fr equency variable ( F01 ), press # . The F01 value appears. 6. T o change F01 , key in a value and press ! . 7. T o select an additional cash-flow variable, press # . The C02 valu e appears. 8. Repeat steps 4 through 7 for all remaini ng cash flow s and frequencies.
Cash Flow Worksheet 45 1. Press # or " to select the ca sh flow where you want to insert the new one. For example, to insert a new second cash flow , select C02 . 2. Press & X . 3. Key in the new cash flow and press ! . The new cash flow i s entered at C02 .
46 Cash Flow Worksheet Computing IRR and MOD 1. Press ) . The IRR variable and current va lu e are displayed (based on the current cash-flow values). 2. T o compute the internal rate of return, press % . The calc ulator displays the IRR value. 3. T o select the reinvestment rate ( RI ), press # .
Cash Flow Worksheet 47 The time line reflects a sequence of cash flows with three sign changes, indi cating that one, two, or three IRR solutions can exist. • When solving comp lex cash-flow proble ms, the calculat or might not find PB , DPB , IRR , and MOD , even if a solution ex ists.
48 Cash Flow Worksheet Entering Cash-Flow Data Editing Cash-F low Data After entering the cash-flow data, you learn that the $4,000 cash-flow value should occur in the sec ond year instead of the sixth. T o edit, delete the $4,000 value for year 6 and insert it for year 2.
Cash Flow Worksheet 49 Computing NPV , NFV , PB, and DPB Use an interest rate per period ( I ) of 20%. Answers: NPV is $7,26 6.44. NFV is $21,697.47. PB is 2.
50 Cash Flow Worksheet If the required earnings ra te is 10 % per 12-month peri od with monthl y compoundin g: • What is the present value of these lease payments? • What even paymen t amount at t.
Cash Flow Worksheet 51 Enter third grou p of cash flows. # # 3 ! C03= F03= 0.00 3.00 Enter fourth group of cash flows. # 60 00 S ! # 9 ! C04= F04= -6000.00 9.00 Enter fifth group of cash flows. # # 2 ! C05= F05= 0.00 2.00 Enter sixth group of cash flows.
52 Cash Flow Worksheet.
Bond Worksheet 53 4 Bond Wo rksheet Note: Pressing # or " to navigate through th e Bond worksheet before you enter values causes an e rror ( Error 6 ). T o clear the error , press P . The Bond wo rksheet lets you compute bond price, yield to maturity or call, accrued inte rest, and modifi ed duration.
54 Bond Worksheet Bond W orksheet V ariables Resetting Bond Worksheet V ariables • T o reset the Bond worksheet vari ables to default values, press & z while in the Bond worksheet. • T o reset all calculator variable s and formats to default values, including th e Bond worksheet vari ables, press &}! .
Bond Worksheet 55 Entering Dates • Use the following conven tion to key in dates: mm.ddyy or dd.mmyy . After keying in the date, press ! . Note: Y ou can display da tes in ei ther US or Euro pean form at. ( See “Setting Calculator Formats ” on page 4.
56 Bond Worksheet Bond W orksheet T erminology Entering Bond Da ta and Computing Resu lts T o compute values for price ( PRI ), modified duration ( DUR ), or yield ( YLD ) and accrued int erest ( AI ).
Bond Worksheet 57 redemption value ( RV ). If necessary , change the day-count method ( ACT or 360 ) and coup on- frequency ( 2/Y or 1/Y ). The Bond worksheet stores all values and settings until you clear the worksheet or change the values and settings.
58 Bond Worksheet Computing Modified Duration (DUR) T o compute modified duration, press # until the DUR variable appears. The calculator automatically computes DUR .
Depreciation W orksheet 59 5 Depr eciation W orksheet Depreciation W orksheet V ariables The Depreciation worksheet lets you generate a depreciation schedule us ing yo ur choice of depre ciation methods. • T o access the Depr eciation worksheet, press & p .
60 Depreciation Worksheet * SLF and DBF are available only if you select the European format for dates or separators in numbers. (See “Setting Calculator Formats ” on page 4.)**Th is guideboo k catego rizes variables by their me thod of entry . (See “T ypes of Worksheet V ariables” on page 17.
Depreciation W orksheet 61 Entering V alues for DB and DBX If you choose eith er the declining balance ( DB ) or declining balance with crossove r to SL ( DBX ) depreciation method, remember to enter a value representing the percent of declin ing balance fo r the DB or DBX variable.
62 Depreciation Worksheet Selecting a Depreciati on Method 1. T o access the Deprecia tion worksheet, press & p . The current depreciation method i s displayed. 2. T o clear the worksheet, press & z . 3. Press & V until you disp lay the depr eciation method you want ( SL , SLF , SYD , DB , DBX , or DBF ).
Depreciation W orksheet 63 Answer: For the first year , the deprecia tion a mount is $25 ,132.28, the remaining book value is $974,867. 72, and the remain ing depreci able value is $974,867.72. For the second year , the depreciat ion amount is $31,746.
64 Depreciation Worksheet.
Statistics Worksheet 65 6 Statistics W orksheet Statistics Works heet V ariables The Statistics worksheet pe rforms analysis on one-and two-variabl e data with four regression analysis models. • T o enter statistical data , press & j . • T o choose a statis tics calculati on method and compute the resul ts, press &k .
66 Statistics Worksheet * nn represents the number of the current X or Y value. ** Not displayed for one-va riable statistics. *** This guidebook categorize s calculat or variables by their method of entry . (See “T ypes of W orksheet V ariables” on page 17 .
Statistics Worksheet 67 • When you enter data for one -variable statistics, X nn represents the value and Y nn specifies the number of occurrence s (frequenc y). • When you enter a value for X nn , the value for Y nn defaults to 1. Analyzing One-V ariable Statistics T o analyze one-variable statistics, s elect 1-V .
68 Statistics Worksheet • Ln uses ln(X) and Y . • EXP uses X and ln(Y). • PWR uses ln(X) and ln(Y). The calculator determi nes the values for a and b that c reate the line or curve that best fits the data.
Statistics Worksheet 69 Computing Statistical Results Selecting a Statistics Calculation Method 1. Press & k to select the st atistical calculatio n portion of the Statistics worksheet. 2. The last selected statistics calculation method is displayed ( LIN , Ln , EXP , PWR , or 1-V ).
70 Statistics Worksheet.
Other W orksh eets 71 7 Other W orksheets The calculator al so includes these worksh eets: Perc ent Change/C ompound Inter est W orksheet Percent Change/Compound Interest Worksheet V ariables Note: This guide book categorizes variab les by their method of entry .
72 Other Worksheets Resetting the Percent Cha nge/Compound Inter est Worksheet V ariables • T o reset th e Percent Change/Com poun d Interest variables to default values, press & z while in the Percent Change/Compound Interest worksheet. • T o reset default values for all calc ulator varia bles and formats, press & } ! .
Other W orksh eets 73 3. T o enter values for th e known variables, press # or " until the variable you want is displayed, then key in a value, and p ress ! . (Do not enter a va lue for the va riable you wish to solve.) • Percent Change — Enter values for two of these three variables: OLD , NEW , and %CH .
74 Other Worksheets Answer: The annual growth rate is 8.4 5%. Example: Computing Cost-Sell-Markup The original cost of an item is $100; the selling price is $125. Find the markup. Answer: The mark up is 25%. Interest Conversion Wo rksheet Note: The calculator categorizes vari ables by their method of entry .
Other W orksh eets 75 Comparing the Nominal Interest Rate of Investments Comparing the nominal interest rate (annual percentage rate) of investments is misleading when the investments have the same nominal rate but different numbers of compou nding pe riods per year .
76 Other Worksheets 6. T o compute a value for the unknow n variable (interest rate), press # or " until NOM or EFF is displayed, and th en press % . The calculator displays the computed value. Example: A bank offers a certificate that pays a nominal interest rate of 15% with quarterly compound ing.
Other W orksh eets 77 Note: The calculator cate gorizes variab les by their method of entry . (See “T ypes of Worksheet V a riables” on page 17.) Resetting the Date W orksheet V ariables • T o reset default values for all calculator variables and formats, including the Date worksheet variables, press & } ! .
78 Other Worksheets 6. T o change the day-count meth od setting, press # until ACT or 360 is displayed. 7. T o compute a value for th e unknown variable, press # or " to display the variable , and then press % . The calculator displays the computed value.
Other W orksh eets 79 Note: This guidebook ca tegorizes c alculat or variables by their method of entry . Gross Pr ofit Margin and Markup The terms margin an d markup often are used inte rchangeab ly , but each has a distinct meaning.
80 Other Worksheets Answer: The original cost is $100. Br eakeven W orksheet Note: T o solve for quantity ( Q ), enter a value of zero for profit ( PF T ). Breakeven W orksheet V ariables Note: This guidebook ca tegorizes c alculat or variables by their method of entry .
Other W orksh eets 81 Computing Breakeven 1. T o access the Breakeven workshe et, press & r . The FC variable appears. 2. Press # or " to select a known variable, key in the value, and press ! . 3. Repeat step 3 for each of the remaining known variables .
82 Other Worksheets Memory Worksheet Memory Worksheet V ariables Note: This guidebook ca tegorizes c alculat or variables by their method of entry . (See “T ypes of W orksheet V ariables” on page 17 .) Clearing the Memory Worksheet V ariables T o clear all 10 memories at once , press & z in the Memory worksheet.
Other W orksh eets 83 • T o view the contents of the memories, press # or " once for each memory . • T o store a value, s elect a memory ( M0 - M9 ), key in a value, and press ! . • Memory arithmetic. (See “Memory Arithmetic” on page 12.
84 Other Worksheets.
Appendix — Reference Information 85 A Appendix — Refer ence Information This appendix incl udes supplemental info rmation to help you use your BA II PLUS é and BA II PLUS é PROFESSIONAL calculat.
86 Appendix — Reference Information I/Y = where: x = i y = P/Y P C/Y G i = 1 + i Q k where: k =0 for end-of-period payments k =1 for beginnin g-of-period payments where: i ƒ 0 N = L ( PV + FV ) P P.
Appendix — Reference Information 87 where: i ƒ 0 FV = L ( PV + PMT Q N ) where: i =0 Amortization If computing bal (), pm t2 = npmt Let bal (0) = RND ( PV ) Iterate from m = 1 to pmt2 then: bal( ) .
88 Appendix — Reference Information Net present value depends on the v a lues of the initial cash flo w ( CF 0 ), subsequent cash flows ( CF j ), frequency of each cash flow ( n j ), and the specified interest rate ( i ). where: i is the periodic interest rate us ed in the calcul ation of NPV .
Appendix — Reference Information 89 Bonds 1 Price (given yield) with on e coupon period or less to redemption: where: PRI = dollar price pe r $100 par value RV =redemption value of the securit y per.
90 Appendix — Reference Information Price (given yield) with more than one coup on period to rede mption: where: N =number of coupon s payable between settlement date and redemption date (maturity date, ca ll date, put date, etc.). (If this number contai ns a fraction, raise i t to the next whole numbe r; for example, 2.
Appendix — Reference Information 91 where Duration is calculated using one of the following formulas used to calculate M acaulay du ration: • For a bond pric e with one coup on period or less to r.
92 Appendix — Reference Information Sum-of-the -years’-di gits depr eciation First year: Last year or more: DEP = RDV Declining-balance depreciation where: RBV is for YR - 1 First year: Unless ; then use RDV Q FSTYR If DEP > RDV , use DEP = RDV If computing last year , DEP = RDV Statistics Note: Formulas apply to both x an d y .
Appendix — Reference Information 93 Standard devi ation with n - 1 weighting (s x ): Mean: Regressions Formulas apply to all regression models using transformed data.
94 Appendix — Reference Information where: OLD =old value NEW =new va lue %CH =percent change #PD =number of period s Profit Margin Brea keven PFT = P Q N ( FC + VC Q ) where: PFT =profit P =price F.
Appendix — Reference Information 95 where: M1 =month of fi rst date DT 1 =day of first date Y 1 =year of first da te M 2 =month of second date DT 2 =day of second date Y 2 =year of secon d date MB =.
96 Appendix — Reference Information Error Messages Note: T o clear an error message, press P . Error Possible Causes Error 1 Overflow • A result is ou tside the calcu lator range ( ± 9.9999999999999E99 ). • T ried to divide by zero (can occur internally).
Appendix — Reference Information 97 Error 5 No solution exists • TVM worksheet: the c alculator co mputed I/Y when FV , ( N Q PMT ), and PV all have the same sign. (Make sure cash inflows ar e positive and ou tflows are negative .) • TVM, Cash Flow , and Bond worksheets: the LN (logarithm) in put is not > 0 during cal culations.
98 Appendix — Reference Information Accuracy Information The calculator stores resu lts internally as 13-digit numbers but displays them rounded to 10 digits or fewer , dependin g on the decimal fo rmat. The internal digits, or guard digits, in crease the calculator’ s accuracy.
Appendix — Reference Information 99 Battery Information Replacing the Battery Replace the battery with a new CR2032 lithium battery . Caution: Risk of explosion if replaced by an incorrec t type. Replace only with the same or equivalent type recommended by T exas Instrument s.
100 A ppendix — Refe rence Information • Install battery acco rding to polarit y (+ and - ) diagrams. • Do not place n on-recharg eable b atteries in a ba ttery rech arger . • Properly dis pose of used bat teries immediate ly . • Do not incinerate or dismantle batteries.
Appendix — Reference Information 101 If you experience di ffic ulties othe r than those listed above, press & } ! to clear the calculator , and th en repeat your calculations. Note: Y ou ca n also perform a hard reset using the reset hole in back of the calculator .
102 A ppendix — Refe rence Information T exas Instruments (TI) W arranty Information Customers in the U.S. and Canada Only One-Y ear Limited W arranty for Commercial Electronic Produc t This T exas Instru ments ("TI") el ectronic produc t warranty exte nds only to the origi nal purchaser an d user of the product.
Appendix — Reference Information 103 This T exas Instruments electronic product warra nty extends only to the original purchaser and user of the product. W arranty Duration. This T exas Instruments electronic product is warranted to the original purchaser for a perio d of one (1) year from the original purchase date.
104 A ppendix — Refe rence Information.
Index Index 105 Symbols #PD (number of pe riods) 72 , 73 , 74 #PD (numbe r of pe riods, Percent Change/Compoun d Interest worksheet) 72 %CH (percent change) 72 , 73 , 74 ( - (negative) indica tor 3 ( .
106 Index payments 22 , 24 Bond accrued interest (AI) 54 price (PRI) 58 terminology 56 worksheet 53 – 58 Breakeven worksh eet 80 – 81 C C/Y (compoundi ng periods per ye ar) 22 , 24 , 76 Calculatio.
Index 107 DPB (discounted pay back) 41 , 45 DT1 (starting date) 62 DT1, DT2 (date 1 and 2) 59 , 78 DUR (modified duration) 54 E EFF (annual ef fective rate) 75 , 76 END (end-o f-period ) payments 22 ,.
108 Index bond price ( more than on e coupon period to redemption) 90 bond price (one coupon period or less to redemption) 89 bond yield (more tha n one coupon period to redemption) 90 bond yield (one.
Index 109 MOD (modified internal rate of return) 41 , 45 Modified duration (DUR) 54 Modified internal rate of return (MOD) 41 , 45 Mortgages 21 Multiplication 8 N n (number of observat ions) 65 , 67 N.
110 Index computing net future value 45 computing net present value 45 computing pay back 45 computing percent chan ge 72 computing pr ofit margin 79 computing statistical results 69 computing X’ 69.
Index 111 indicator 3 Quit 2 SEL (selling price) 79 Selling price ( SEL) 79 service and support 101 SET (setting) indicator 3 Setting (SET) indicator 3 Settlement date (SDT) 54 , 56 , 57 SL (straight .
112 Index Y-intercept (a) 65 YLD (yield to red emption) 54 , 57 Ynn (frequency of X value) 65 , 67 YR (year to compute) 59 , 61 , 62.
Un point important après l'achat de l'appareil (ou même avant l'achat) est de lire le manuel d'utilisation. Nous devons le faire pour quelques raisons simples:
Si vous n'avez pas encore acheté Texas Instruments Calculator c'est un bon moment pour vous familiariser avec les données de base sur le produit. Consulter d'abord les pages initiales du manuel d'utilisation, que vous trouverez ci-dessus. Vous devriez y trouver les données techniques les plus importants du Texas Instruments Calculator - de cette manière, vous pouvez vérifier si l'équipement répond à vos besoins. Explorant les pages suivantes du manuel d'utilisation Texas Instruments Calculator, vous apprendrez toutes les caractéristiques du produit et des informations sur son fonctionnement. Les informations sur le Texas Instruments Calculator va certainement vous aider à prendre une décision concernant l'achat.
Dans une situation où vous avez déjà le Texas Instruments Calculator, mais vous avez pas encore lu le manuel d'utilisation, vous devez le faire pour les raisons décrites ci-dessus,. Vous saurez alors si vous avez correctement utilisé les fonctions disponibles, et si vous avez commis des erreurs qui peuvent réduire la durée de vie du Texas Instruments Calculator.
Cependant, l'un des rôles les plus importants pour l'utilisateur joués par les manuels d'utilisateur est d'aider à résoudre les problèmes concernant le Texas Instruments Calculator. Presque toujours, vous y trouverez Troubleshooting, soit les pannes et les défaillances les plus fréquentes de l'apparei Texas Instruments Calculator ainsi que les instructions sur la façon de les résoudre. Même si vous ne parvenez pas à résoudre le problème, le manuel d‘utilisation va vous montrer le chemin d'une nouvelle procédure – le contact avec le centre de service à la clientèle ou le service le plus proche.
