Edition 2
HP part number F2234-90001
REGISTER YOUR PRODUCT AT: www.register.hp.com
THIS MANUAL AND ANY EXAMPLES CONTAINED HEREIN ARE PROVIDED “AS IS” AND ARE SUBJECT TO CHANGE WITHOUT NOTICE. HEWLETT-PACKARD COMPANY MAKES NO WARRANTY OF ANY KIND WITH REGARD TO THIS MANUAL, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE.
HEWLETT-PACKARD CO. SHALL NOT BE LIABLE FOR ANY ERRORS OR FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES IN CONNECTION WITH THE FURNISHING, PERFORMANCE, OR USE OF THIS MANUAL OR THE EXAMPLES CONTAINED HEREIN.
© Copyright 1987-1989, 2003 Hewlett-Packard Development Company, L.P. Reproduction, adaptation, or translation of this manual is prohibited without prior written permission of Hewlett-Packard Company, except as allowed under the copyright laws.
Hewlett-Packard Company
4995 Murphy Canyon Rd,
Suite 301
San Diego, CA 92123
Edition 2 |
January 2004 |
The hp 17bII+ is part of Hewlett-Packard’s new generation of calculators:
The two-line display has space for messages, prompts, and labels.
Menus and messages show you options and guide you through problems.
Built-in applications solve these business and financial tasks:
Time Value of Money. For loans, savings, leasing, and amortization.
Interest Conversions. Between nominal and effective rates.
Cash Flows. Discounted cash flows for calculating net present value and internal rate of return.
Bonds. Price or yield on any date. Annual or semi-annual coupons; 30/360 or actual/actual calendar.
Depreciation. Using methods of straight line, declining balance, sum-of-the-years’ digits, and accelerated cost recovery system.
Business Percentages. Percent change, percent total, markup.
Currency Exchange. Exchange calculations between two currencies.
Statistics. Mean, correlation coefficient, linear estimates, and other statistical calculations.
Clock. Time, date, and appointments.
Use the Solver for problems that aren’t built in: type an equation and then solve for any unknown value. It’s easier than programming!
There are 28K bytes of memory to store data, lists, and equations.
You can print information using the hp 82240 Infrared Printer.
You can choose either ALG (Algebraic) or RPN (Reverse Polish Notation) entry logic for your calculations.
Welcome to the hp17bII+ |
3 |
13 List of Examples
16Important Information
117 Getting Started
17Power On and Off; Continuous Memory
17Adjusting the Display Contrast
18Setting the Language
18What You See in the Display
19The Shift Key (@)
19 Backspacing and Clearing
21Doing Arithmetic
22Keying in Negative Numbers (&)
22Using the Menu Keys
23The MAIN Menu
25 Choosing Menus and Reading Menu Maps
27Calculations Using Menus
28Exiting Menus (e)
28Clearing Values in Menus
29Solving Your Own Equations (SOLVE)
30Typing Words and Characters: the ALPHAbetic Menu
31Editing ALPHAbetic Text
32Calculating the Answer (CALC)
34Controlling the Display Format
34Decimal Places
34Internal Precision
34Temporarily SHOWing ALL
35Rounding a Number
35 Exchanging Periods and Commas in Numbers
4 Contents
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36 |
Error Messages |
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Modes |
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Calculator Memory (@M) |
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Arithmetic |
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The Calculator Line |
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Doing Calculations |
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Using Parentheses in Calculations |
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The Percent Key |
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The Mathematical Functions |
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The Power Function (Exponentiation) |
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The MATH Menu |
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Saving and Reusing Numbers |
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The History Stack of Numbers |
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Reusing the Last Result (@L) |
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Storing and Recalling Numbers |
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Doing Arithmetic Inside Registers and Variables |
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Scientific Notation |
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Range of Numbers |
349 Percentage Calculations in Business
50 Using the BUS Menus
50 Examples Using the BUS Menus
50 Percent Change (%CHG)
51 Percent of Total (%TOTL)
52 Markup as a Percent of Cost (MU%C)
52 Markup as a Percent of Price (MU%P)
53 Sharing Variables Between Menus
454 Currency Exchange Calculation
54 The CURRX Menu
55 Selecting a Set of Currencies
57 Entering a Rate
Contents 5
59 Converting between Two Currencies
59Storing and Recalling Sets of Currencies
60Clearing the Currency Variables
561 Time Value of Money
61 The TVM Menu
64 Cash Flow Diagrams and Signs of Numbers
66 Using the TVM Menu
67 Loan Calculations
71 Savings Calculations
74 Leasing Calculations
77 Amortization (AMRT)
78 Displaying an Amortization Schedule
82 Printing an Amortization Table
684 Interest Rate Conversions
85 The ICNV Menu
85 Converting Interest Rates
87 Compounding Periods Different from Payment Periods
791 Cash Flow Calculations
91 The CFLO Menu
92 Cash Flow Diagrams and Signs of Numbers
94 Creating a Cash-Flow List
95 Entering Cash Flows
97 Viewing and Correcting the List
98 Copying a Number from a List to the Calculator Line
98 Naming and Renaming a Cash-Flow List
99 Starting or GETting Another List
99Clearing a Cash-Flow List and Its Name
100Cash-Flow Calculations: IRR, NPV, NUS, NFV
107Doing Other Calculations with CFLO Data
6 Contents
8108 Bonds
108 The BOND Menu
110 Doing Bond Calculations
9114 Depreciation
114 The DEPRC Menu
116 Doing Depreciation Calculations
116 DB, SOYD, and SL Methods
118 The ACRS Method
119 Partial-Year Depreciation
10121 Running Total and Statistics
122 The SUM Menu
123 Creating a SUM List
123 Entering Numbers and Viewing the TOTAL
124 Viewing and Correcting the List
126 Copying a Number from a List to the Calculator Line
126 Naming and Renaming a SUM List
127 Starting or GETting Another List
127 Clearing a SUM List and Its Name
127 Doing Statistical Calculations (CALC)
128 Calculations with One Variable
130 Calculations with Two Variables (FRCST)
133 Curve Fitting and Forecasting
138 Weighted Mean and Grouped Standard Deviation
139 Summation Statistics
140 Doing Other Calculations with SUM Data
11141 Time, Appointments, and Date Arithmetic
141 Viewing the Time and Date
Contents 7
142The Time Menu
143Setting the Time and Date (SET)
144Changing the Time and Date Formats (SET)
144Adjusting the Clock Setting (ADJST)
145Appointments (APPT)
145 Viewing or Setting an Appointment (APT1-APT10)
147Acknowledging an Appointment
148Unacknowledged Appointments
148Clearing Appointments
149Date Arithmetic (CALC)
150Determining the Day of the Week for Any Date
150Calculating the Number of Days between Dates
151Calculating Past or Future Dates
12153 The Equation Solver
153 Solver Example : Sales Forecasts
156 The SOLVE Menu
157 Entering Equations
158 Calculating Using Solver Menus (CALC)
161 Editing an Equation (EDIT)
161 Naming an Equation
162 Finding an Equation in the Solver List
162 Shared Variables
162 Clearing Variables
163 Deleting Variables and Equations
164 Deleting One Equation or Its Variables (DELET) 164 Deleting All Equations or All Variables in the Solver
(@c) 164 Writing Equations
166 What Can Appear in an Equation
168 Solver Functions
174 Conditional Expressions with IF
176The Summation Function (∑)
177Accessing CFLO and SUM Lists from the Solver
178Creating Menus for Multiple Equations (S Function)
8 Contents
179How the Solver Works
180Halting and Restarting the Numerical Search
181Entering Guesses
13184 Printing
185 The Printer’s Power Source
185 Double-Space Printing
185 Printing the Display(P)
186 Printing Other Information (@p)
186 Printing Variables, Lists, and Appointments (LIST)
188 Printing Descriptive Messages (MSG)
188 Trace Printing (TRACE)
189 How to Interrupt the Printer
14190 Additional Examples
190 Loans
190 Simple Annual Interest
191 Yield of a Discounted (or Premium) Mortgage
193 Annual Percentage Rate for a Loan with Fees
195 Loan with an Odd (Partial) First Period
197 Canadian Mortgages
199 Advance Payments (Leasing)
200 Savings
200 Value of a Fund with Regular Withdrawals
202 Deposits Needed for a Child’s College Account
206 Value of a Tax-Free Account
208 Value of a Taxable Retirement Account
209 Modified Internal Rate of Return
213 Price of an Insurance Policy
215 Bonds
216 Discounted Notes
217 Statistics
217 Moving Average
219 Chi-Squared (χ2) Statistics
Contents 9
200 Valeur d'un fonds avec retraits réguliers
202 Dépôts nécessaires pour une épargne d'étude
205 Valeur d'un compte exonéré d'impôt
207Valeur d'un compte non exonéré
208Taux de rendement interne modifié
211Prix d'un contrat d'assurance
213Obligations
215Rachat d'effet
216Statistiques
216Moyenne mobile
218Chi-carré (χ2) Statistiques
A221 Assistance, piles, mémoire et maintenance
221 Demande d'aide pendant l'utilisation du calculateur
221 Réponses aux questions fréquemment posées
223 Alimentation et piles
224 Témoin de faible charge
224 Installation des piles
226 Gestion de la mémoire du calculateur
227 Réinstallation du calculateur
228 Effacement de la mémoire permanente
229 Précision d'horloge
229 Environnement
229 Votre calculateur doit-il être envoyé au service aprèsvente
230 Vérification du fonctionnement du calculateur : Test automatique
231 Garantie
234 Informations
236 Information sur la réglementation
237 Déclaration du bruit
B238 Détails sur les calculs
238 Calculs TRI%
10 Table des matières
248 Cash-Flow Calculations
215 Bond Calculations
250Depreciation Calculations
251Sum and Statistics
251Forecasting
252Equations Used in (Chapter 14)
252Canadian Mortgages
253Odd-Period Calculations
253Advance Payments
253Modified Internal Rate of Return
C254 Menu Maps
D261 RPN: Summary
261 About RPN
261 About RPN on the hp 17bII+
262 Setting RPN Mode
263 Where the RPN Functions Are
264 Doing Calculations in RPN
264 Arithmetic Topics Affected by RPN Mode
264 Simple Arithmetic
266 Calculations with STO and RCL
266 Chain Calculations No Parentheses!
E268 RPN: The Stack
268 What the Stack Is
269 Reviewing the Stack (Roll Down)
269 Exchanging the X- and Y-Registers in the Stack 270 Arithmetic How the Stack Does It
271 How ENTER Works
272 Clearing Numbers
273 The LAST X Register
273 Retrieving Numbers from LAST X
Contents 11
273Reusing Numbers
274Chain Calculations
275Exercises
F276 RPN: Selected Examples
283 Error Messages
289 Index
12 Contents
The following list groups the examples by category.
Getting Started
25 Using Menus
29 Using the Solver
Arithmetic
40 Calculating Simple Interest
178 Unit Conversions
190Simple Interest at an Annual Rate (RPN example on page 276)
General Business Calculations
50Percent Change
51Percent of Total
52Markup as a Percent of Cost
52Markup as a Percent of Price
53Using Shared Variables
159Return on Equity
Currency Exchange Calculations
57Calculating an Exchange Rate
58Storing an Exchange Rate
59Converting between Hong Kong and U.S Dollars
Time Value of Money
67A Car Loan
68A Home Mortgage
69A Mortgage with a Balloon Payment
71A Savings Account
List of Examples 13
72 |
An Individual Retirement Account |
74 |
Calculating a Lease Payment |
75 |
Present Value of a Lease with Advanced Payments |
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80Displaying an Amortization Schedule for a Home Mortgage
82 Printing an Amortization Schedule
172 Calculations for a Loan with an Odd First Period 191 Discounted Mortgage
193APR for a Loan with Fees (RPN example on page 276)
194Loan from the Lender’s Point of View (RPN example on page 277)
196Loan with an Odd First Period
197Loan with an Odd First Period Plus Balloon
198Canadian Mortgage
200 Leasing with Advance Payments
200 A Fund with Regular Withdrawals
202 Savings for College (RPN example on page 278)
207Tax-Free Account (RPN example on page 280)
208Taxable Retirement Account (RPN example on page 282)
214Insurance Policy
Interest Rate Conversions
86Converting from a Nominal to an Effective Interest Rate
89 Balance of a Savings Account
Cash Flow Calculations
97 Entering Cash Flows
102 Calculating IRR and NPV of an Investment
104An Investment with Grouped Cash Flows
105An Investment with Quarterly Returns
210Modified IRR
14 List of Examples
Bonds and Notes
111Price and Yield of a Bond
112A Bond with a Call Feature
113A Zero-Coupon Bond
215 Yield to Maturity and Yield to Call
217 Price and Yield of a Discounted Note
Depreciation
117Declining-Balance Depreciation
118ACRS Deductions
120 Partial-Year Depreciation
Running Total and Statistical Calculations
125 Updating a Checkbook
128 Mean, Median, and Standard Deviation
134 Curve Fitting
138 Weighted Mean
218 A Moving Average in Manufacturing
220 Expected Throws of a Die ( χ 2 )
Time, Alarms, and Date Arithmetic 144 Setting the Date and Time
148 Clearing and Setting an Appointment
151Calculating the Number of Days between Two Dates
152Determining a Future Date
How to Use the Equation Solver 159 Return on Equity
166 Sales Forecasts
172 Using a Solver Function (USPV)
175 Nested IF Functions
181 Using Guesses to Find a Solution Iteratively
Printing
189 Trace-Printing an Arithmetic Calculation
List of Examples 15
Take the time to read chapter 1. It gives you an overview of how the calculator works, and introduces terms and concepts that are used throughout the manual. After reading chapter 1, you’ll be ready to start using all of the calculator’s features.
You can choose either ALG (Algebraic) or RPN (Reverse Polish Notation) mode for your calculations. Throughout the manual, the
“v “in the margin indicates that the examples or keystrokes must be performed differently in RPN. Appendixes D, E, and F explain how to use your calculator in RPN mode.
Match the problem you need to solve with the calculator’s capabilities and read the related topic. You can locate information about the calculator’s features using the table of contents, the subject index, the list of examples, and the menu maps in appendix C (the gold-edged pages).
Before doing any time-value-of-money or cash-flow problems, refer to pages 64 and 92 to learn how the calculator uses positive and negative numbers in financial calculations.
For a deeper treatment of specific types of calculations, refer to chapter 14, “Additional Examples.” If you especially like learning by example, this is a good reference spot for you.
16 Important Information
1
Watch for this symbol in the margin. It identifies examples vor keystrokes that are shown in ALG mode and must be performed differently in RPN mode. Appendixes D, E, and F
explain how to use your calculator in RPN mode.
The mode affects only arithmetic calculations—all other operations, including the Solver, work the same in RPN and ALG modes.
To turn on the calculator, press C(clear) (note ON printed below the key). To turn it off, press @and then C. This shifted function is called o(note OFF printed above the key). Since the calculator has Continuous Memory, turning it off does not affect the information you’ve stored there.
To conserve energy, the calculator turns itself off after 10 minutes of no use.
If you see the low battery symbol ( ) at the top of the display, you should replace the batteries as soon as possible. Follow the instructions on page 224.
The display’s brightness depends on lighting, your viewing angle, and the display contrast setting. To change the display contrast, hold down the Ckey and press +or -.
1: Getting Started 17
The calculator can display information in six different languages. The language initially used by the calculator was preset at the factory. To change the language:
1.Press the @>.
2.Press to display the INTL menu, which stands for "international".
3.Press the appropriate menu key to change the language.
Table 1-1. Keys for language
Key Description
German
English
Spanish
French
Italian
Portuguese
Menu Labels. The bottom line of the display shows the menu labels for each of the six major menus (work areas) in the calculator. More about these later in this chapter.
The Calculator Line. The calculator line is where you see numbers (or letters) that you enter, and the results of calculations.
Annunciators. The symbols shown here are called annunciators. Each one has a special significance.
18 1: Getting Started
Shift (@) is |
Sending information |
active. |
to the printer. |
(page 19) |
(page 184) |
Alarm going off (or past due). (page 147)
Batteries low. (page 224)
Annunciators
Calculator |
Cursor |
line |
Menu labels for the MAIN menu. To display the MAIN menu, press @A(that is, first @, then e).
Some keys have a second, shifted function printed in color above the key. The colored shift key accesses these operations. For example, pressing and releasing @, then pressing Cturns the calculator off.
This is written @o.
Pressing @turns on the shift annunciator ( ). This symbol stays on until you press the next key. If you ever press @by mistake, just press @ again to turn off the .
The following keys erase typing mistakes, entire numbers, or even lists or sets of data.
1: Getting Started 19
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Table 1-2. Keys for Clearing |
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Backspace; erases the character before the cursor. |
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The cursor ( ) is visible while you are keying in a number or doing a calculation. When the cursor is visible, pressing < deletes the last character you keyed in. When the cursor is not visible, pressing < erases the last number.
Keys: |
Display: |
Description: |
12345 << |
Backspacing removes |
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.66 |
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the 4 and 5. |
@t |
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Calculates 1/123.66. |
< |
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Clears the calculator |
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line. |
In addition, there are more drastic clearing operations that erase more information at once. Refer to “Resetting the Calculator” on page 228 in appendix A.
20 1: Getting Started
The “v ” in the margin is a reminder that the example keystrokes are for ALG mode.
This is a brief introduction to doing arithmetic. More information on arithmetic is in chapter 2. Remember that you can erase errors by pressing <or C.
To calculate 21.1 23.8:
Keys: Display: Description:
21.1 + |
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=completes calculation. |
Once a calculation has been completed, pressing another digit key starts a new calculation. On the other hand, pressing an operator key continues the calculation:
77.35 - |
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Calculates 77.35 |
– 90.89 |
90.89 = |
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65 @v*12 |
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65 x 12. |
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/3.5 = |
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Calculates 96.75 |
3.5. |
You can also do long calculations without pressing = after each intermediate calculation—just press it at the end. The operators perform from left to right, in the order you enter them. Compare:
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1: Getting Started 21
65 +(12 / |
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The &key changes the sign of a number.
To key in a negative number, type that number, then press &.
To change the sign of an already displayed number (it must be the rightmost number), press &.
Keys: |
Display: |
Description: |
75 & |
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Changes the sign of 75. |
v*7.1 = |
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Multiplies 75 by 7.1. |
The calculator usually displays a set of labels across the bottom of the display. The set is called a menu because it presents you with choices. The MAIN menu is the starting point for all other menus.
22 1: Getting Started
(())
Menu Labels
Menu Keys
The top row of keys is related to the labels along the bottom of the display. The labels tell you what the keys do. The six keys are called menu keys; the labels are called menu labels.
The MAIN menu is a set of primary choices leading to other menu options. No matter which menu you currently see, pressing @A redisplays the MAIN menu. The menu structure is hierarchical.
1: Getting Started 23
Table 1-3. The MAIN Menu
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TVM: Time value of money: |
Chapter 5 |
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loans, savings, leasing, |
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amortization. |
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ICNV: Interest conversions. |
Chapter 6 |
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CFLO: Lists of cash flows for |
Chapter 7 |
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internal rate of return and |
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net present value. |
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BOND: Yields and prices |
Chapter 8 |
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for bonds. |
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DEPRC: Depreciation using |
Chapter 9 |
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Percent of total, percent |
Chapter 3 |
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change, markup on cost, |
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markup on price. |
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Chapter 10 |
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total, mean, weighted |
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statistics, forecasting, |
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summation statistics, and |
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more. |
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Clock, calendar, |
Chapter 11 |
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(Time Manager) |
appointments, date |
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arithmetic. |
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Chapter 12 |
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Converting any currency to |
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its equivalent in another |
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24 1: Getting Started
Below is a menu map illustrating one possible path through three levels of menus: from the MAIN menu to the BUS menu to the MU%C (markup as a percent of cost) menu. There are no menus that branch from the MU%C menu because the MU%C menu is a final destination—you use it to do calculations, rather than to choose another menu.
MAIN menu |
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COST |
PRICE |
M%C |
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Press to choose the BUS menu. Then press to choose the MU%C menu.
Press e to return to the previous menu. Pressing e enough times returns you to the MAIN menu.
Press @Ato return to the MAIN menu directly.
When a menu has more than six labels, the label appears at the far right. Use it to switch between sets of menu labels on the same “level”.
Example: Using Menus. Refer to the menu map for MU%C (above) along with this example. The example calculates the percent markup on cost of a crate of oranges that a grocer buys for $4.10 and sells for $4.60.
Step 1. Decide which menu you want to use. The MU%C (markup as a percent of cost) menu is our destination. If it’s not obvious to you which menu you need, look up the topic in the subject
1: Getting Started 25
index and examine the menu maps in appendix C.
Displaying the MU%C menu:
Step 2. To display the MAIN menu, press @A. This step lets you start from a known location on the menu map.
Step 3. Press to display the BUS menu.
Step 4. Press to display the MU%C menu.
Using the MU%C menu:
Step 5. Key in the cost and press to store 4.10 as the COST.
Step 6. Key in the price and press to store 4.60 as the
PRICE.
Step 7. Press to calculate the markup as a percent of cost. The answer: .
Step 8. To leave the MU%C menu, press etwice (once to get back to the BUS menu, and again to get to the MAIN menu) or @A(to go directly to the MAIN menu).
26 1: Getting Started
Using menus to do calculations is easy. You don’t have to remember in what order to enter numbers and in what order results come back. Instead, the menus guide you, as in the previous example. All the keys you need are together in the top row. The menu keys both store numbers for the calculations and start the calculations.
The MU%C menu can calculate M%C, the percent markup on cost, given COST and PRICE.
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Then the same menu can calculate PRICE given COST and M%C.
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Notice that the two calculations use the same three variables; each variable can be used both to store and calculate values. These are called built-in variables, because they are permanently built into the calculator.
1: Getting Started 27
Many menus in this calculator work like the example above. The rules for using variables are:
To store a value, key in the number and press the menu key. † Arithmetic calculations, as well as single values, can be stored.
To calculate a value, press the menu key without first keying in a
number. The calculator displays when a value is being calculated.
To verify a stored value, press R(recall) followed by the menu key. For example, R displays the value stored in COST.
To transfer a value to another menu, do nothing if it is displayed (that is, it is in the calculator line). A number in the calculator line remains there when you switch menus. To transfer more than one value from a menu, use storage registers. See page 45, “Storing and Recalling Numbers.”
The e key is used to leave the current menu and go back to the previously displayed menu (as shown in the previous example). This is true for menus you might pick by accident, too: egets you out.
The @c key is a powerful feature to clear all the data in the currently displayed menu, giving you a clean slate for new calculations.
If the current menu has variables (that is, if the display shows menu labels for variables, such as COST, PRICE, and M%C in the MU%C
menu), pressing @c clears the values of those variables to zero.
*If you have just switched menus and want to store the result already in the calculator line, then you should press sbefore the menu key
†To store the same number into two different variables, use sfor the second variable, e.g. 25 s
28 1: Getting Started
If the current menu has a list (SUM, CFLO, or Solver), pressing @cclears the values in the list.
To see what value is currently stored in a variable, press R menu label.
This chapter has introduced some of the built-in menus the calculator offers. But if the solution to a problem is not built into hp 17bII+ , you can turn to the most versatile feature of all: the Equation Solver. Here you define your own solution in terms of an equation. The Solver then creates a menu to go with your equation, which you can use over and over again, just like the other menus in the calculator.
The Solver is covered in chapter 12, but here is an introductory example. Because equations usually use letters of the alphabet, this section also explains how to type and edit letters and other characters that aren’t on the keyboard.
Example:Using the Solver. Suppose you frequently buy carpet and must calculate how much it will cost. The price is quoted to you per square yard. Regardless of how you do the calculation (even if you do it longhand), you are using an equation.
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To type this equation into the Solver, use the ALPHA menu.
1: Getting Started 29
The ALPHAbetic menu is automatically displayed when you need it to type letters and characters. The ALPHA menu also includes characters not found on the keyboard:
Uppercase letters.
Space.
Punctuation and special characters.
Non-English letters.
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To type a letter you need to press two keys; for example, is produced
by the keystrokes .
Each letter menu has an key for accessing punctuation and
non-English characters. The letter menus with just four letters (for example, FGHI) include a space character ( ).
To familiarize yourself with the ALPHA menu, type in the equation for the cost of carpeting. The necessary keystrokes are shown below. (Note the access to the special character, “/”.) Use <, if necessary, to make corrections. If you need to do further editing, refer to the next section, “Editing ALPHAbetic Text.” When you’re satisfied that the equation is correct, press Ito enter the equation into memory.
30 1: Getting Started