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HP 10BII Manual

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$Page 97 8: Additional Examples 97 Cost of Not Taking a Cash Discount $FDVKGLVFRXQWJLYHVDEX\HUDUHGXFWLRQLQSULFHLIWKHSD\PHQWLVPDGH ZLWKLQDVSHFLILHGWLPHSHULRG)RUH[DPSOH´1(7µPHDQVWKDW WKHEX\HUFDQGHGXFWSHUFHQWLISD\PHQWLVPDGHZLWKLQGD\V,I SD\PHQWLVQRWPDGHZLWKLQGD\VWKHIXOODPRXQWPXVWEHSDLGE\WKH WKGD\$

Page 98 98 8: Additional Examples
Loans and Mortgages
Simple Annual Interest
Example.

Page 99 8: Additional Examples 99
Example.

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Page 101 8: Additional Examples 101
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$Page 102 102 8: Additional Examples Example: Interest-Only Loan With Fee. $\HDU\b DQQXDOLQWHUHVW\f LQWHUHVWRQO\ORDQKDVDQRULJLQDWLRQIHHRIWKUHHSRLQWV :KDWLVWKH\LHOGWRWKHOHQGHU$VVXPHWKDWPRQWKO\SD\PHQWVRI LQWHUHVWDUHPDGH 6HWWR(QGPRGH3UHVV *OLIBEGINDQQXQFLDWRULVGLVSOD\HG /0.007KHORDQZLOOEH FRPSOHWHO\SDLGRIILQ \HDUV 2–1,230.26&DOFXODWHVSD\PHQW 160,000.005HFDOOVORDQDPRXQW 156,8006XEWUDFWVSRLQWV .8.72&DOFXODWHV $35...$

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

Page 104 104 8: Additional Examples
Automobile Loan
Example.

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							8: Additional Examples 101
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							102 8: Additional Examples
Example: Interest-Only Loan With Fee. $\HDU\b
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 .book  Page 102  Wednesday, June 21, 2000  5:19 PM

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							8: Additional Examples 103
Loan With a Partial (Odd) First Period
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							104 8: Additional Examples
Automobile Loan
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							8: Additional Examples 105
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							106 8: Additional Examples
What if … TVM Calculations
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							8: Additional Examples 107
Part 2.

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							108 8: Additional Examples
Savings
Saving for College Costs
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							8: Additional Examples 109
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I/YR = 9%
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previous
calculation.
10B.book  Page 109  Wednesday, June 21, 2000  5:19 PM

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							110 8: Additional Examples
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Gains That Go Untaxed Until Withdrawal

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