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HP 10BII Manual

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Page 101

8: Additional Examples 101
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Page 102

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102 8: Additional Examples
Example: Interest-Only Loan With Fee. $\HDU\b
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Page 103

$Page 103 8: Additional Examples 103 Loan With a Partial (Odd) First Period 790FDOFXODWLRQVDSSO\WRILQDQFLDOWUDQVDFWLRQVZKHUHHDFKSD\PHQW SHULRGLVWKHVDPHOHQJWK+RZHYHUVLWXDWLRQVH[LVWZKHUHWKHILUVW SD\PHQWSHULRGLVQRWWKHVDPHOHQJWKDVWKHUHPDLQLQJSHULRGV7KLVILUVW SHULRGLVVRPHWLPHVFDOOHGDQRGGRU SDUWLDOILUVWSHULRG ,ILQWHUHVWLVDSSOLHGWRDQRGGILUVWSHULRGLWLVXVXDOO\FDOFXODWHGDV VLPSOHLQWHUHVW6RXVLQJWKH+3%,,WRGRDSD\PHQWFDOFXODWLRQZLWK...$

8: Additional Examples 103
Loan With a Partial (Odd) First Period
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Page 104

104 8: Additional Examples
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Page 105

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8: Additional Examples 105
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Page 106

$Page 106 106 8: Additional Examples What if … TVM Calculations 2QHRIWKHPRVWYDOXDEOHDVSHFWVRIWKH+3%,,·V790DSSOLFDWLRQLV WKHHDVHZLWKZKLFKLWKDQGOHVWKHTXHVWLRQ´ZKDWLI«µLQILQDQFLDO FDOFXODWLRQV)RUH[DPSOHRQHRIWKHPRVWSRSXODU´ZKDWLI«µ TXHVWLRQVLV´:KDWLIWKHLQWHUHVWUDWHFKDQJHVWR«+RZZLOOWKDWDIIHFW P\SD\PHQWµ7RDQVZHUWKLVTXHVWLRQRQFH\RXKDYHFDOFXODWHGD SD\PHQWEDVHGRQRQHLQWHUHVWUDWHDOO\RXQHHGWRGRLVHQWHUWKHQHZ LQWHUHVWUDWHDQGUHFDOFXODWH307...$

106 8: Additional Examples
What if … TVM Calculations
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Page 107

8: Additional Examples 107
Part 2.

Page 108

$Page 108 108 8: Additional Examples Savings Saving for College Costs 6XSSRVH\RXVWDUWVDYLQJQRZWRDFFRPPRGDWHDIXWXUHVHULHVRIFDVK RXWIORZV$QH[DPSOHRIWKLVLVVDYLQJPRQH\IRUFROOHJH7RGHWHUPLQH KRZPXFK\RXQHHGWRVDYHHDFKSHULRG\RXPXVWNQRZZKHQ\RX·OO QHHGWKHPRQH\KRZPXFK\RX·OOQHHGDQGDWZKDWLQWHUHVWUDWH\RXFDQ LQYHVW\RXUGHSRVLWV Example.$

108 8: Additional Examples
Savings
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Page 109

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8: Additional Examples 109
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Page 110

$Page 110 110 8: Additional Examples 6HWWR(QGPRGH3UHVV*OLIBEGINDQQXQFLDWRULVGLVSOD\HG Gains That Go Untaxed Until Withdrawal$

110 8: Additional Examples
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Gains That Go Untaxed Until Withdrawal

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