### Calculator Limits

• Enough memory to store an initial cash flow and 14 cash flow groups, with 99 cash flows per group.

• Ten numbered storage registers.

• Applications to solve business and financial tasks:

• Time Value of Money: Loans savings, leases, and amortization schedules.
• Interest Conversion: Nominal and effective rates.
• Cash flows: Net percent 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.
• 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.

The following table lists the software differences between the hp 10b (HP10B) and hp 10bii (HP10BII) calculators.

Feature

hp 10bii calculator \\ new **

hp 10b calculator

User registers

10 Separate Registers

15 registers shared with cash flows and statistics

Cash Flows

15 separate cash flows

15 cash flows shared with user registers and statistics.

Statistical Variables

6 separate registers

6 registers shared with Cash flows and user registers.

Press: 12 + =

24

12

Press: 12 / =

1

12

Press: 12 * =

144

12

Press: 12 - =

0

12

displaying 0.00051 to two decimal places

0.0005

0.001

Rounding policy if the number to be displayed is zero but the actual number is non-zero (as in the case above)

Show the most significant digit rounded by the other digits. (0.00055 shows 0.0006

Keep rounding the number to more and more decimal places until a non-zero answer is shown.

SWAP Key

Swaps only when there is something to swap with.

Swaps with INPUT even though nothing may be in INPUT.

Press 12 INPUT +

12, INPUT and PEND is displayed

12, PEND is displayed; INPUT has disappeared.

Press 12 + 3K N =

18

15

Press 12 + 3K N = =

21

18

Press -9.99999999E499 Yx 1 = [DISP] =

999999999999

999999999997

Press 0.00E gives

1E

1.E

Press Sum - with N = 0 allows N to be negative.

No

Yes

Underflow

Displayed at all times when occurring

Only Displayed during TVM and IRR calculations

Amortization Order

Period, Principle, Interest, Balance

Period, Interest, Principle, Balance.

Press [AMORT] [=] [C]

Clears the display

Display remains, press [C] again to clear.

Ambiguous IRR or TVM case

Error - Soln

A Statistical Calculation Returns two values

STAT annunciator is shown.

“:” is shown and second number placed into INPUT.

Using [STO] for storing cash flows

Pressing [STO][CFJ][0] …[9] [STO][CFJ][.][0]…[.][4] stores the number on the screen directly into that cash flow. (0-9)(10-14). [STO][CFJ][+] stores into the next cash flow (looping if necessary). [STO][CFJ][-] stores into the previous cash flow, looping where necessary. [STO][CFJ][CFJ] stores into the current cash flow

Store into particular cash flows by modifying the user registers

Using [RCL] to recall cash flows

Press [RCL][CFJ][0] …[9] [RCL][CFJ][.][0]…[.][4] displays the number on the screen from that Cash flow. (0-9)(10-14). [RCL][CFJ][+] recalls the next cash flow (looping if necessary). [RCL][CFJ][-] recalls the previous cash flow, looping where necessary. [RCL][CFJ][CFJ] recalls the current cash flow.

RCL a user register then RCL CFJ runs through cfj list. There is no looping.

IRR causes calculator to endlessly iterate.

Some situations have been rectified so that the calculator returns a message/error.

Gets caught in an endless loop.

Changing Statistical summary variables

They are only changed by the calculator; the user cannot modify the values

The user can change the values in the user registers.

Self Tests

Only one simple test

Streaming and interactive, which tests keyboard.

This table lists the hardware differences between the HP10B and HP10BII calculators.

Feature

hp 10bii calculator \\ new **

hp 10b calculator

Input Key

Single Key Width

Double Key Width

Two Shift Keys (1 for stats)

Yes

Single Shift

On/Off

Separate Key

Shared with C

Errors

Displayed on Annunciators

Displayed using the 7-segment 12-digit display.

Annunciators

20 Annunciators, to handle cash flows, amortization, errors over and above the 10B

5 Annunciators.

Keys

Angled to show shifted function on Actual Key

Flat. Shifted functions are printed above the Key.

Statistical Variables

Attached to corresponding Key

Floating between Keys

TVM.

Top Five, embolden keys, highlighting the task of the 10BII

Keys are just one of many.

Cost Price Margin Markup

Famous Four, embolden keys, highlighting the task of the 10BII

Keys are just one of many.

Margin Markup Keys

Two separate keys. (Software behavior is the same in that they share the same register.)