User manual FUJITSU DL1100

Lastmanuals offers a socially driven service of sharing, storing and searching manuals related to use of hardware and software : user guide, owner's manual, quick start guide, technical datasheets... DON'T FORGET : ALWAYS READ THE USER GUIDE BEFORE BUYING !!!

If this document matches the user guide, instructions manual or user manual, feature sets, schematics you are looking for, download it now. Lastmanuals provides you a fast and easy access to the user manual FUJITSU DL1100. We hope that this FUJITSU DL1100 user guide will be useful to you.

Lastmanuals help download the user guide FUJITSU DL1100.


Mode d'emploi FUJITSU DL1100
Download
Manual abstract: user guide FUJITSU DL1100

Detailed instructions for use are in the User's Guide.

[. . . ] %DVLFV$W D *ODQFH 3HUFHQWDJHV$W D *ODQFH 0FUJITSURU\ . H\V$W D *ODQFH 7LPH 9DOXH RI 0RQH\ 790 $W D *ODQFH 790 :KDW LI$W D *ODQFH $PRUWL]DWLRQ$W D *ODQFH , QWHUHVW 5DWH &RQYHUVLRQ$W D *ODQFH , 55<5 DQG 139$W D *ODQFH 6WDWLVWLFV$W D *ODQFH . H\ERDUG 0DS Getting Started 3RZHU 2Q DQG 2II $GMXVWLQJ WKH 'LVSOD\ &RQWUDVW 6LPSOH $ULWKPHWLF &DOFXODWLRQV 8QGHUVWDQGLQJ WKH 'LVSOD\ DQG . H\ERDUG &XUVRU &OHDULQJ WKH &DOFXODWRU &OHDULQJ 0FUJITSURU\ $QQXQFLDWRUV 6KLIW . H\ 6WDWLVWLFV . H\ , 1387 . H\ 6:$3 . H\ 0DWK )XQFWLRQV 'LVSOD\ )RUPDW RI 1XPEHUV 6SHFLI\LQJ 'LVSOD\HG 'HFLPDO 3ODFHV 6FLHQWLILF 1RWDWLRQ 'LVSOD\LQJ WKH )XOO 3UHFLVLRQ RI 1XPEHUV , QWHUFKDQJLQJ WKH 3HULRG DQG &RPPD 5RXQGLQJ 1XPEHUV 0HVVDJHV Contents 5 1 23 23 23 23 25 25 25 25 26 27 27 28 28 28 29 30 30 31 31 32 32 2 33 33 33 34 34 35 35 35 36 37 37 37 39 40 41 42 43 43 45 45 46 47 47 47 48 49 49 49 51 Business Percentages 3HUFHQW . H\ )LQGLQJ D 3HUFHQW $GGLQJ RU 6XEWUDFWLQJ D 3HUFHQW 3HUFHQW &KDQJH 0DUJLQ DQG 0DUNXS &DOFXODWLRQV 0DUJLQ &DOFXODWLRQV 0DUNXS RQ &RVW &DOFXODWLRQV 8VLQJ 0DUJLQ DQG 0DUNXS 7RJHWKHU Number Storage and Arithmetic 8VLQJ 6WRUHG 1XPEHUV LQ &DOFXODWLRQV 8VLQJ &RQVWDQWV 8VLQJ WKH 0 5HJLVWHU 8VLQJ 1XPEHUHG 5HJLVWHUV 'RLQJ $ULWKPHWLF , QVLGH 5HJLVWHUV 'RLQJ $ULWKPHWLF 3RZHU 2SHUDWRU 8VLQJ 3DUHQWKHVHV LQ &DOFXODWLRQV Picturing Financial Problems +RZ WR DSSURDFK D )LQDQFLDO 3UREOFUJITSU 6LJQV RI &DVK )ORZV 3HULRGV DQG &DVK )ORZV 6LPSOH DQG &RPSRXQG , QWHUHVW 6LPSOH , QWHUHVW &RPSRXQG , QWHUHVW , QWHUHVW 5DWHV 7ZR 7\SHV RI )LQDQFLDO 3UREOFUJITSUV 5HFRJQL]LQJ D 790 3UREOFUJITSU 5HFRJQL]LQJ D &DVK )ORZ 3UREOFUJITSU 3 4 6 Contents 5 53 53 54 55 55 60 63 67 72 72 73 75 75 77 77 78 79 80 83 84 85 85 86 86 86 87 87 87 87 88 90 93 Time Value of Money Calculations 8VLQJ WKH 790 $SSOLFDWLRQ &OHDULQJ 790 %HJLQ DQG (QG 0RGHV /RDQ &DOFXODWLRQV 6DYLQJV &DOFXODWLRQV /HDVH &DOFXODWLRQV $PRUWL]DWLRQ , QWHUHVW 5DWH &RQYHUVLRQV , QYHVWPHQWV :LWK 'LIIHUHQW &RPSRXQGLQJ 3HULRGV &RPSRXQGLQJ DQG 3D\PHQW 3HULRGV 'LIIHU Cash Flow Calculations +RZ WR 8VH WKH &DVK )ORZ $SSOLFDWLRQ 139 DQG , 55<5 'LVFRQWLQXLQJ &DVK )ORZV 2UJDQL]LQJ &DVK )ORZV (QWHULQJ &DVK )ORZV 9LHZLQJ DQG 5HSODFLQJ &DVK )ORZV &DOFXODWLQJ 1HW 3UHVHQW 9DOXH &DOFXODWLQJ , QWHUQDO 5DWH RI 5HWXUQ $XWRPDWLF 6WRUDJH RI , 55<5 DQG 139 Statistical Calculations &OHDULQJ 6WDWLVWLFDO 'DWD (QWHULQJ 6WDWLVWLFDO 'DWD 2QH9DULDEOH 6WDWLVWLFV 7ZR9DULDEOH 6WDWLVWLFV DQG :HLJKWHG 0HDQ &RUUHFWLQJ 6WDWLVWLFDO 'DWD &RUUHFWLQJ 2QH9DULDEOH 'DWD &RUUHFWLQJ 7ZR9DULDEOH 'DWD 6XPPDU\ RI 6WDWLVWLFDO &DOFXODWLRQV 0HDQ 6WDQGDUG 'HYLDWLRQV DQG 6XPPDWLRQ 6WDWLVWLFV /LQHDU 5HJUHVVLRQ DQG (VWLPDWLRQ :HLJKWHG 0HDQ 6 7 Contents 7 8 95 95 95 96 97 98 98 98 99 101 103 104 105 106 108 108 110 112 113 113 115 117 117 118 119 119 119 119 121 122 122 122 123 Additional Examples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ssistance, Batteries, and Service $QVZHUV WR &RPPRQ 4XHVWLRQV (QYLURQPHQWDO /LPLWV 3RZHU DQG %DWWHULHV /RZ 3RZHU $QQXQFLDWRU %DWWHU\ 6SHFLILFDWLRQV , QVWDOOLQJ %DWWHULHV 'HWHUPLQLQJ LI WKH &DOFXODWRU 5HTXLUHV 6HUYLFH /LPLWHG 2QH<HDU :DUUDQW\ :KDW , V &RYHUHG :KDW , V 1RW &RYHUHG &RQVXPHU 7UDQVDFWLRQV LQ WKH 8QLWHG . LQJGRP A 8 Contents 123 123 124 124 124 125 125 126 , I WKH &DOFXODWRU 5HTXLUHV 6HUYLFH 2EWDLQLQJ 6HUYLFH 6HUYLFH &KDUJH 6KLSSLQJ , QVWUXFWLRQV :DUUDQW\ RQ 6HUYLFH 6HUYLFH $JUHFUJITSUHQWV 5HJXODWRU\ , QIRUPDWLRQ (QGXVHU WHUPV DQG FRQGLWLRQV More About Calculations , 55<5 &DOFXODWLRQV 3RVVLEOH 2XWFRPHV RI &DOFXODWLQJ , 55<5 +DOWLQJ DQG 5HVWDUWLQJ , 55<5 (QWHULQJ D *XHVV IRU , 55<5 (IIHFW RI 8VLQJ WR &RUUHFW 'DWD 5DQJH RI 1XPEHUV (TXDWLRQV 0DUJLQ DQG 0DUNXS &DOFXODWLRQV 7LPH 9DOXH RI 0RQH\ 790 $PRUWL]DWLRQ , QWHUHVW 5DWH &RQYHUVLRQV &DVK)ORZ &DOFXODWLRQV 6WDWLVWLFV Messages Index B 129 129 129 130 130 131 131 132 132 132 132 133 134 135 137 139 C Contents 9 At a Glance. . . 7KLV VHFWLRQ LV GHVLJQHG IRU \RX LI \RXUH DOUHDG\ IDPLOLDU ZLWK FDOFXODWRU RSHUDWLRQ RU ILQDQFLDO FRQFHSWV <RX FDQ XVH LW IRU TXLFN UHIHUHQFH 7KH UHVW RI WKH PDQXDO LV ILOOHG ZLWK H[SODQDWLRQV DQG H[DPSOHV RI WKH FRQFHSWV SUHVHQWHG LQ WKLV VHFWLRQ Basics--At a Glance. . . I B B ! 7 Bj B8 B Keys: Display: 0. 00 0. 00 0. 00 12_ 0. 00 0. 00 0. 00 Description: [orange label] 7XUQV FDOFXODWRU RQ 'LVSOD\V VKLIW DQQXQFLDWRU SHIFT 'LVFRQWLQXHV VKLIW (UDVHV ODVW FKDUDFWHU &OHDUV GLVSOD\ &OHDUV VWDWLVWLFV PFUJITSURU\ &OHDUV DOO PFUJITSURU\ 7XUQV FDOFXODWRU RII At a Glance. . . 11 Percentages--At a Glance. . . h U ) $GG Keys: 3HUFHQW &RVW 3ULFH 0DUJLQ 0DUNXS WR Display: 17. 50 20. 13 )LQG WKH PDUJLQ LI WKH FRVW LV DQG VHOOLQJ SULFH LV 15. 00 22. 00 31. 82 , I WKH FRVW LV DQG WKH PDUNXS LV ZKDW LV WKH VHOOLQJ SULFH" 20. 00 33. 00 26. 60 %# #h1 #U U !!) At a Glance. . . Description: (QWHUV QXPEHU $GGV (QWHUV FRVW (QWHUV SULFH &DOFXODWHV PDUJLQ (QWHUV FRVW (QWHUV PDUNXS &DOFXODWHV SULFH 12 Memory Keys--At a Glance. . . E B3 ( %4%E 11 #1 Keys: 6WRUHV D FRQVWDQW RSHUDWLRQ 6WRUHV D YDOXH LQ WKH 0 UHJLVWHU PFUJITSURU\ ORFDWLRQ 5HFDOOV D YDOXH IURP WKH 0 UHJLVWHU $GGV D YDOXH WR WKH QXPEHU VWRUHG LQ WKH 0 UHJLVWHU 6WRUHV D YDOXH LQ D QXPEHUHG UHJLVWHU 5HFDOOV D YDOXH IURP D QXPEHUHG UHJLVWHU 0XOWLSO\ DQG E\ VWRULQJ DV D FRQVWDQW RSHUDWLRQ Display: 7. 00 119. 00 154. 00 175. 00 Description: 6WRUHV DV D FRQVWDQW RSHUDWLRQ 0XOWLSOLHV 0XOWLSOLHV 0XOWLSOLHV 6WRUH LQ UHJLVWHU WKHQ UHFDOO LW 519. 00 0. 00 519. 00 #'B3 7 ( 6WRUHV LQ UHJLVWHU &OHDUV GLVSOD\ 5HFDOOV UHJLVWHU At a Glance. . . 13 Time Value of Money (TVM)--At a Glance. . . (QWHU DQ\ IRXU RI WKH ILYH YDOXHV DQG VROYH IRU WKH ILIWK $ QHJDWLYH VLJQ LQ WKH GLVSOD\ UHSUHVHQWV PRQH\ SDLG RXW PRQH\ UHFHLYHG LV SRVLWLYH F P G By B Keys: 1XPEHU RI SD\PHQWV , QWHUHVW SHU \HDU 3UHVHQW YDOXH 3D\PHQW )XWXUH YDOXH %HJLQ RU (QG PRGH 1XPEHU RI SD\PHQWV SHU \HDU PRGH LQWHUHVW , <5 , I \RX ERUURZ 39 IRU PRQWKV 1 DW ZKDW LV WKH PRQWKO\ UHSD\PHQW" 6HW WR (QG PRGH 3UHVV B !$ F " G P ByL 12. 00 360. 00 10. 00 I BEGIN DQQXQFLDWRU LV GLVSOD\HG Description: Display: 14, 000. 00 0. 00 122. 86 6HWV SD\PHQWV SHU \HDU (QWHUV QXPEHU RI SD\PHQWV (QWHUV LQWHUHVW SHU \HDU (QWHUV SUHVHQW YDOXH (QWHUV IXWXUH YDOXH &DOFXODWHV SD\PHQW LI SDLG DW HQG RI SHULRG 14 At a Glance. . . TVM What if. . . --At a Glance. . . , W LV QRW QHFHVVDU\ WR UHHQWHU 790 YDOXHV IRU HDFK H[DPSOH 8VLQJ WKH YDOXHV \RX MXVW HQWHUHG SDJH KRZ PXFK FDQ \RX ERUURZ LI \RX ZDQW D SD\PHQW RI " @P Keys: Display: 100. 00 Description: 11, 395. 08 (QWHUV QHZ SD\PHQW DPRXQW 0RQH\ SDLG RXW LV QHJDWLYH &DOFXODWHV DPRXQW \RX FDQ ERUURZ LQWHUHVW UDWH" (QWHUV QHZ LQWHUHVW UDWH &DOFXODWHV QHZ SUHVHQW YDOXH IRU SD\PHQW DQG LQWHUHVW 5HHQWHUV RULJLQDO LQWHUHVW UDWH 5HHQWHUV RULJLQDO SUHVHQW YDOXH &DOFXODWHV RULJLQDO SD\PHQW +RZ PXFK FDQ \RX ERUURZ DW D 9. 50 11, 892. 67 '#F F " P 10. 00 14, 000. 00 122. 86 At a Glance. . . 15 Amortization--At a Glance. . . $IWHU FDOFXODWLQJ D SD\PHQW XVLQJ 7LPH 9DOXH RI 0RQH\ 790 HQWHU WKH SHULRGV WR DPRUWL]H DQG SUHVV 7KHQ SUHVV WR FRQWLQXDOO\ F\FOH WKURXJK WKH SULQFLSDO LQWHUHVW DQG EDODQFH YDOXHV LQGLFDWHG E\ WKH PRIN INT DQG BAL DQQXQFLDWRUV UHVSHFWLYHO\ 1 B 8VLQJ WKH SUHYLRXV 790 H[DPSOH SDJH DPRUWL]H D VLQJOH SD\PHQW DQG WKHQ D UDQJH RI SD\PHQWV $PRUWL]H WKH WK SD\PHQW RI WKH ORDQ $PRUWL]H WKH VW WKURXJK WK ORDQ SD\PHQWV 12_ 1 12 77. 82 1, 396. 50 H B 1 1 1 H B 1 1 1 Keys: Display: 20. 00 20 20 7. 25 115. 61 Description: 13, 865. 83 (QWHUV SHULRG WR DPRUWL]H 'LVSOD\V SHULRG WR DPRUWL]H 'LVSOD\V SULQFLSDO 'LVSOD\V LQWHUHVW 0RQH\ SDLG RXW LV QHJDWLYH 'LVSOD\V EDODQFH 13, 922. 18 (QWHUV UDQJH RI SHULRGV WR DPRUWL]H 'LVSOD\V UDQJH RI SHULRGV SD\PHQWV 'LVSOD\V SULQFLSDO 'LVSOD\V LQWHUHVW 0RQH\ SDLG RXW LV QHJDWLYH 'LVSOD\V EDODQFH 16 At a Glance. . . Interest Rate Conversion--At a Glance. . . 7R FRQYHUW EHWZHHQ QRPLQDO DQG HIIHFWLYH LQWHUHVW UDWHV HQWHU WKH NQRZQ UDWH DQG WKH QXPEHU RI SHULRGV SHU \HDU WKHQ VROYH IRU WKH XQNQRZQ UDWH B B B B B B Keys: 1RPLQDO LQWHUHVW SHUFHQW (IIHFWLYH LQWHUHVW SHUFHQW 3HULRGV SHU \HDU QRPLQDO LQWHUHVW Description: )LQG WKH DQQXDO HIIHFWLYH LQWHUHVW UDWH RI FRPSRXQGHG PRQWKO\ Display: 10. 00 12. 00 10. 47 (QWHUV QRPLQDO UDWH (QWHUV SD\PHQWV SHU \HDU &DOFXODWHV DQQXDO HIIHFWLYH LQWHUHVW At a Glance. . . 17 IRR/YR and NPV--At a Glance. . . B D Bg BW Bx Keys: 1XPEHU RI SHULRGV SHU \HDU GHIDXOW LV &DVK IORZV XS WR M LGHQWLILHV WKH FDVK IORZ QXPEHU 1XPEHU RI FRQVHFXWLYH WLPHV FDVK IORZ M RFFXUV , QWHUQDO UDWH RI UHWXUQ SHU \HDU 1HW SUHVHQW YDOXH , I \RX KDYH DQ LQLWLDO FDVK RXWIORZ RI IROORZHG E\ PRQWKO\ FDVK LQIORZV RI DQG ZKDW LV WKH , 55<5" :KDW LV WKH , 55 SHU PRQWK" B8B "@D "%D %D Bg !D BW 1 d F Bx Display: 0. 00 12. 00 40, 000. 00 4, 700. 00 7, 000. 00 2. 00 Description: 23, 000. 00 15. 96 1. 33 &OHDUV DOO PFUJITSURU\ 6HWV SD\PHQWV SHU \HDU (QWHUV LQLWLDO RXWIORZ (QWHUV ILUVW FDVK IORZ (QWHUV VHFRQG FDVK IORZ (QWHUV QXPEHU RI FRQVHF XWLYH WLPHV FDVK IORZ RFFXUV (QWHUV WKLUG FDVK IORZ &DOFXODWHV , 55<5 &DOFXODWHV , 55 SHU PRQWK :KDW LV WKH 139 LI WKH GLVFRXQW UDWH LV " 10. 00 622. 85 (QWHUV , <5 &DOFXODWHV 139 18 At a Glance. . . Statistics--At a Glance. . . Bj \YDOXH [YDOXH e Bd e HQXPEH Bd HQXPEH B6Bi Bi BXBi BwBi BQBi BR BRBi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x-data y-data 2 50 4 90 6 160 At a Glance. . . 19 Bj H#e "H'e $H$e B6 Bi BX Bi BR Bi A" A' Keys: Display: 0. 00 1. 00 2. 00 3. 00 4. 00 100. 00 2. 00 Description: &OHDUV VWDWLVWLFV UHJLVWHUV (QWHUV ILUVW [\ SDLU (QWHUV VHFRQG [\ SDLU (QWHUV WKLUG [\ SDLU 'LVSOD\V PHDQ RI [ 'LVSOD\V PHDQ RI \ 'LVSOD\V VDPSOH VWDQ GDUG GHYLDWLRQ RI [ 'LVSOD\V VDPSOH VWDQ GDUG GHYLDWLRQ RI \ 'LVSOD\V \LQWHUFHSW RI UHJUHVVLRQ OLQH SUH ^ GLFWHG y YDOXH IRU [ 'LVSOD\V VORSH RI UHJUHVVLRQ OLQH 'LVSOD\V Q QXPEHU RI GDWD SRLQWV HQWHUHG 'LVSOD\V [\ VXP RI WKH SURGXFWV RI [ DQG \YDOXHV 55. 68 10. 00 27. 50 3. 00 1, 420. 00 20 At a Glance. . . Keyboard Map Time value of money (page 53) Separate two numbers (page 28) Percent (page 33) Constant (page 37) Store and recall (page 40) Change sign (page 24) Statistics key (page 27) Shift key (page 27) Clear display, cancel operation (page 25) 10. (QWHU WKH QXPEHU DQG SUHVV &DOFXODWH @ WR FKDQJH WKH VLJQ %#@ d!1 Display: 75_ 25. 00 Description: &KDQJHV WKH VLJQ RI &DOFXODWHV UHVXOW 24 1: Getting Started Understanding the Display and Keyboard Cursor 7KH FXUVRU B LV YLVLEOH ZKHQ \RX DUH HQWHULQJ D QXPEHU Clearing the Calculator :KHQ WKH FXUVRU LV RQ HUDVHV WKH ODVW GLJLW \RX HQWHUHG 2WKHUZLVH FOHDUV WKH GLVSOD\ DQG FDQFHOV WKH FDOFXODWLRQ FOHDUV LW WR :KLOH \RX DUH HQWHULQJ D QXPEHU SUHVVLQJ ]HUR 2WKHUZLVH FOHDUV WKH GLVSOD\ RI LWV FXUUHQW FRQWHQWV DQG FDQFHOV WKH FXUUHQW FDOFXODWLRQ 7 7 Clearing Messages. :KHQ WKH +3 %, , LV GLVSOD\LQJ DQ HUURU PHVVDJH RU 7 FOHDUV WKH PHVVDJH DQG UHVWRUHV WKH RULJLQDO FRQWHQWV RI WKH GLVSOD\ 6HH 0HVVDJHV RQ SDJH IRU D FRPSOHWH OLVW RI PHVVDJHV DQG PHDQLQJV Clearing Memory B8 Bj Keys Description &OHDUV DOO PFUJITSURU\ 'RHV QRW UHVHW PRGHV &OHDUV VWDWLVWLFDO PFUJITSURU\ HqrCQ 7DDhrirshrrrhhtr $#7rtvhq@qhtr $$ hqurqvyhs hhtr !( 7R FOHDU DOO PFUJITSURU\ DQG UHVHW FDOFXODWRU PRGHV SUHVV DQG KROG GRZQ WKHQ SUHVV DQG KROG GRZQ ERWK DQG \RX UHOHDVH DOO WKUHH DOO PFUJITSURU\ LV FOHDUHG 7KH All Clear PHVVDJH LV GLVSOD\HG G:KHQ I 1: Getting Started 25 Annunciators $QQXQFLDWRUV DUH V\PEROV LQ WKH GLVSOD\ WKDW LQGLFDWH WKH VWDWXV RI WKH FDOFXODWRU Annunciator SHIFT Status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etting Started Annunciator FULL STAT Status (Continued) FUNC STAT 0RUH WKDQ FDVK IORZV KDYH EHHQ HQWHUHG RU PRUH WKDQ XQVROYHG EUDFNHWV XVHG , QFRUUHFW GDWD XVHG LQ D VWDWLVWLFV FDOFXODWLRQ RU ZKHQ ERROR LV QRW OLW D VWDWLVWLFDO FDOFXODWLRQ KDV EHHQ SHUIRUPHG $ PDWK HUURU KDV RFFXUUHG IRU H[DPSOH GLYLVLRQ E\ ]HUR $ VWDWLVWLFDO FDOFXODWLRQ KDV EHHQ SHUIRUPHG Shift Key 0RVW RI WKH +3 %, , NH\V KDYH D VHFRQG RU VKLIWHG IXQFWLRQ SULQWHG LQ RUDQJH RQ WKH NH\ 7KH RUDQJH VKLIW NH\ B LV XVHG WR DFFHVV WKHVH IXQFWLRQV QXPEHU LQ WKH GLVSOD\ E\ LWVHOI B )RU H[DPSOH SUHVV B IROORZHG E\ h DOVR VKRZQ DV Bh WR PXOWLSO\ D 7KH VWDWLVWLFV NH\ A FRORUHG PDXYH LV XVHG WR DFFHVV VXPPDU\ VWDWLVWLFV IURP WKH VWDWLVWLFV PFUJITSURU\ UHJLVWHUV WKH VWDWLVWLFV DQQXQFLDWRU STATS LV :KHQ \RX SUHVV GLVSOD\HG 7KLV LQGLFDWHV WKDW \RX FDQ UHFDOO RQH RI VL[ VXPPDU\ VWDWLVWLFV ZLWK WKH QH[W NH\VWURNH VHH SDJH 7R WXUQ WKH STATS DQQXQFLDWRU RII SUHVV DJDLQ WKH VKLIW DQQXQFLDWRU SHIFT LV :KHQ \RX SUHVV GLVSOD\HG WR LQGLFDWH WKDW WKH VKLIWHG IXQFWLRQV DUH DFWLYH 7R WXUQ WKH SHIFT DQQXQFLDWRU RII SUHVV DJDLQ B Statistics Key A A )RU H[DPSOH SUHVV YDOXHV HQWHUHG A IROORZHG E\ Y WR UHFDOO WKH VXP RI WKH [ 1: Getting Started 27 INPUT Key 7KH NH\ LV XVHG WR VHSDUDWH WZR QXPEHUV ZKHQ XVLQJ WZRQXPEHU IXQFWLRQV RU WZRYDULDEOH VWDWLVWLFV 7KH NH\ FDQ DOVR EH XVHG WR HYDOXDWH DQ\ SHQGLQJ DULWKPHWLF RSHUDWLRQV LQ ZKLFK FDVH WKH UHVXOW LV WKH VDPH DV SUHVVLQJ H H 1 SWAP Key 3UHVVLQJ n n n 7KH ODVW WZR QXPEHUV WKDW \RX HQWHUHG IRU LQVWDQFH WR FKDQJH WKH RUGHU RI GLYLVLRQ RU VXEWUDFWLRQ 7KH UHVXOWV RI IXQFWLRQV WKDW UHWXUQ WZR YDOXHV 7KH [ DQG \YDOXHV ZKHQ XVLQJ VWDWLVWLFV Bi H[FKDQJHV WKH IROORZLQJ Math Functions One-Number Functions. 0DWK IXQFWLRQV LQYROYLQJ RQH QXPEHU XVH WKH QXPEHU LQ WKH GLVSOD\ Keys: &' #B !#% ! [. . . ] <RX RSHQHG DQ LQGLYLGXDO UHWLUFUJITSUHQW DFFRXQW RQ $SULO ZLWK D GHSRVLW RI LV GHGXFWHG IURP \RXU SD\FKHFN DQG \RX DUH SDLG WZLFH D PRQWK 7KH DFFRXQW SD\V DQQXDO LQWHUHVW FRPSRXQGHG VFUJITSULPRQWKO\ +RZ PXFK ZLOO EH LQ WKH DFFRXQW RQ $SULO " FV= ?I/YR = 6. 3% N = 360 (15 years 24 half-months) P/YR = 24 (Half-months periods) 1234 . . . 360 PMT = -80. 00 PV = -2, 000. 00 6HW WR (QG PRGH 3UHVV ByL I BEGIN DQQXQFLDWRU LV GLVSOD\HG 5: Time Value of Money Calculations 61 "B @ &@P $!F #B G Keys: Display: 24. 00 2, 000. 00 80. 00 6. 30 360. 00 52, 975. 60 Description: 6HWV QXPEHU RI SHULRGV SHU \HDU 6WRUHV LQLWLDO GHSRVLW 6WRUHV UHJXODU VFUJITSULPRQWKO\ GHSRVLWV 6WRUHV LQWHUHVW UDWH 6WRUHV QXPEHU RI GHSRVLWV &DOFXODWHV EDODQFH Example: An Annuity Account. <RX RSW IRU DQ HDUO\ UHWLUFUJITSUHQW DIWHU D VXFFHVVIXO EXVLQHVV FDUHHU <RX KDYH DFFXPXODWHG D VDYLQJV RI WKDW HDUQV DQ DYHUDJH RI DQQXDO LQWHUHVW FRPSRXQGHG PRQWKO\ :KDW DQQXLW\ UHSHWLWLYH XQLIRUP ZLWKGUDZDO RI IXQGV ZLOO \RX UHFHLYH DW WKH EHJLQQLQJ RI HDFK PRQWK LI \RX ZLVK WKDW VDYLQJV DFFRXQW WR VXSSRUW \RX IRU WKH QH[W \HDUV" PMT = ?1 2 . . . I/YR = 7% N = 600 (50 12) P/YR = 12 599 600 FV = 0 PV = -400, 000. 00 Begin Mode 6HW WR %HJLQ PRGH 3UHVV ByL I DQQXQFLDWRU LV QRW GLVSOD\HG 62 5: Time Value of Money Calculations B "@ %F #B G P Keys: Display: 12. 00 400, 000. 00 7. 00 600. 00 0. 00 2, 392. 80 Description: 6HWV SD\PHQWV SHU \HDU 6WRUHV \RXU QHVW HJJ DV DQ RXWJRLQJ GHSRVLW 6WRUHV DQQXDO LQWHUHVW UDWH \RX H[SHFW WR HDUQ 6WRUHV QXPEHU RI ZLWKGUDZDOV 6WRUHV EDODQFH RI DFFRXQW DIWHU \HDUV &DOFXODWHV DPRXQW WKDW \RX FDQ ZLWKGUDZ DW WKH EHJLQQLQJ RI HDFK PRQWK Lease Calculations $ OHDVH LV D ORDQ RI YDOXDEOH SURSHUW\ OLNH UHDO HVWDWH DXWRPRELOHV RU HTXLSPHQW IRU D VSHFLILF DPRXQW RI WLPH LQ H[FKDQJH IRU UHJXODU SD\PHQWV 6RPH OHDVHV DUH ZULWWHQ DV SXUFKDVH DJUHFUJITSUHQWV ZLWK DQ RSWLRQ WR EX\ DW WKH HQG RI WKH OHDVH VRPHWLPHV IRU DV OLWWOH DV 7KH GHILQHG IXWXUH YDOXH )9 RI WKH SURSHUW\ DW WKH HQG RI D OHDVH LV VRPHWLPHV FDOOHG WKH UHVLGXDO YDOXH RU EX\ RXW YDOXH $OO ILYH 790 DSSOLFDWLRQ NH\V FDQ EH XVHG LQ OHDVH FDOFXODWLRQV 7KHUH DUH WZR FRPPRQ OHDVH FDOFXODWLRQV n )LQGLQJ WKH OHDVH SD\PHQW QHFHVVDU\ WR DFKLHYH D VSHFLILHG \LHOG n )LQGLQJ WKH SUHVHQW YDOXH FDSLWDOL]HG YDOXH RI D OHDVH 7KH ILUVW SD\PHQW RQ D OHDVH XVXDOO\ RFFXUV DW WKH EHJLQQLQJ RI WKH ILUVW SHULRG 7KXV PRVW OHDVH FDOFXODWLRQV XVH %HJLQ PRGH Example: Calculating a Lease Payment. $ FXVWRPHU ZLVKHV WR OHDVH D FDU IRU WKUHH \HDUV 7KH OHDVH LQFOXGHV DQ RSWLRQ WR EX\ WKH FDU IRU DW WKH HQG RI WKH OHDVH 7KH ILUVW PRQWKO\ SD\PHQW LV GXH WKH GD\ WKH FXVWRPHU GULYHV WKH FDU RII WKH ORW , I \RX ZDQW WR \LHOG DQQXDOO\ FRPSRXQGHG PRQWKO\ ZKDW ZLOO WKH SD\PHQWV EH" &DOFXODWH WKH SD\PHQWV IURP \RXU WKH GHDOHUV SRLQW RI YLHZ 5: Time Value of Money Calculations 63 FV = 7, 500. 00 PMT = ?1 2 Money received by lessor is positive I/YR = 10% N = 36 P/YR = 12 PV = -13, 500. 00 Begin Mode 6HW WR %HJLQ PRGH 3UHVV . . . 35 36 Money paid out by lessor is negative B F !#@ %#G !$ P Keys: ByL 12. 00 10. 00 7, 500. 00 36. 00 253. 99 I DQQXQFLDWRU LV QRW GLVSOD\HG Description: Display: 13, 500. 00 6HWV SD\PHQWV SHU \HDU 6WRUHV GHVLUHG DQQXDO \LHOG 6WRUHV OHDVH SULFH 6WRUHV UHVLGXDO EX\ RXW YDOXH 6WRUHV OHQJWK RI OHDVH LQ PRQWKV &DOFXODWHV PRQWKO\ OHDVH SD\PHQW 1RWLFH WKDW HYHQ LI WKH FXVWRPHU FKRRVHV QRW WR EX\ WKH FDU WKH OHVVRU VWLOO LQFOXGHV D FDVK IORZ FRPLQJ LQ DW WKH HQG RI WKH OHDVH HTXDO WR WKH UHVLGXDO YDOXH RI WKH FDU :KHWKHU WKH FXVWRPHU EX\V WKH FDU RU LW LV VROG RQ WKH RSHQ PDUNHW WKH OHVVRU H[SHFWV WR UHFRYHU 64 5: Time Value of Money Calculations Example: Lease With Advance Payments. <RXU FRPSDQ\ 4XLFN. LW 3ROH %DUQV SODQV WR OHDVH D IRUNOLIW IRU WKH ZDUHKRXVH 7KH OHDVH LV ZULWWHQ IRU D WHUP RI \HDUV ZLWK PRQWKO\ SD\PHQWV RI 3D\PHQWV DUH GXH DW WKH EHJLQQLQJ RI WKH PRQWK ZLWK WKH ILUVW DQG ODVW SD\PHQWV GXH DW WKH RQVHW RI WKH OHDVH <RX KDYH DQ RSWLRQ WR EX\ WKH IRUNOLIW IRU DW WKH HQG RI WKH OHDVLQJ SHULRG , I WKH DQQXDO LQWHUHVW UDWH LV ZKDW LV WKH FDSLWDOL]HG YDOXH RI WKH OHDVH" Begin Mode PV = ?I/YR = 9% N = 48 P/YR = 12 1 2 3 4 . . . 44 45 46 47 48 PMT = -2, 400. 00 (48th payment due up front) FV = -15, 000. 00 7KLV VROXWLRQ UHTXLUHV IRXU VWHSV &DOFXODWH WKH SUHVHQW YDOXH RI WKH PRQWKO\ SD\PHQWV $GG WKH YDOXH RI WKH DGGLWLRQDO DGYDQFH SD\PHQW )LQG WKH SUHVHQW YDOXH RI WKH EX\ RSWLRQ 6XP WKH YDOXHV FDOFXODWHG LQ VWHSV DQG Step 1 )LQG WKH SUHVHQW YDOXH RI WKH PRQWKO\ SD\PHQWV 6HW WR %HJLQ PRGH 3UHVV ByL I DQQXQFLDWRU LV QRW GLVSOD\HG 5: Time Value of Money Calculations 65 B "% "@P G 'F Keys: Display: 12. 00 47. 00 2, 400. 00 0. 00 9. 00 95, 477. 55 Description: 6HWV SD\PHQWV SHU \HDU 6WRUHV QXPEHU RI SD\PHQWV 6WRUHV PRQWKO\ SD\PHQW 6WRUHV )9 IRU VWHS 6WRUHV LQWHUHVW UDWH &DOFXODWHV SUHVHQW YDOXH RI PRQWKO\ SD\PHQWV Step 2. $GG WKH DGGLWLRQDO DGYDQFH SD\PHQW WR 39 6WRUH WKH DQVZHU 97, 877. 55 97, 877. 55 (P@1 $GGV DGGLWLRQDO DGYDQFH SD\PHQW 6WRUHV UHVXOW LQ 0 UHJLVWHU Step 3. )LQG WKH SUHVHQW YDOXH RI WKH EX\ RSWLRQ 48. 00 0. 00 "& P #@G 1 Keys: 15, 000. 00 10, 479. 21 6WRUHV PRQWK ZKHQ EX\ RSWLRQ RFFXUV 6WRUHV ]HUR SD\PHQW IRU WKLV VWHS RI VROXWLRQ 6WRUHV YDOXH WR GLVFRXQW &DOFXODWHV SUHVHQW YDOXH RI ODVW FDVK IORZ Step 4. $GG WKH UHVXOWV RI VWHSV DQG Display: 108, 356. 77 Description: &DOFXODWHV SUHVHQW FDSLWDOL]HG YDOXH RI OHDVH 5RXQGLQJ GLVFUHSDQFLHV DUH H[SODLQHG RQ SDJH 66 5: Time Value of Money Calculations Amortization $PRUWL]DWLRQ LV WKH SURFHVV RI GLYLGLQJ D SD\PHQW LQWR WKH DPRXQW WKDW DSSOLHV WR LQWHUHVW DQG WKH DPRXQW WKDW DSSOLHV WR SULQFLSDO 3D\PHQWV QHDU WKH EHJLQQLQJ RI D ORDQ FRQWULEXWH PRUH LQWHUHVW DQG OHVV SULQFLSDO WKDQ SD\PHQWV QHDU WKH HQG RI D ORDQ PAYMENT $ PRINCIPAL $ INTEREST $ 7KH KH +3 %, , DOORZV \RX WR FDOFXODWH n 7KH DPRXQW DSSOLHG WR LQWHUHVW LQ D UDQJH RI SD\PHQWV n 7KH DPRXQW DSSOLHG WR SULQFLSDO LQ D UDQJH RI SD\PHQWV n 7KH ORDQ EDODQFH DIWHU D VSHFLILHG QXPEHU RI SD\PHQWV DUH PDGH BNH\RQW BIXQFW TIME LRQ DVVXPHV \RX KDYH MXVW FDOFXODWHG D SD\PHQW RU \RX 7KH KDYH VWRUHG WKH DSSURSULDWH DPRUWL]DWLRQ YDOXHV LQ , <5 39 )9 307 DQG 3<5 5: Time Value of Money Calculations 67 F G P B 1W $QQXDO QRPLQDO LQWHUHVW UDWH 6WDUWLQJ EDODQFH (QGLQJ EDODQFH 3D\PHQW DPRXQW URXQGHG WR WKH GLVSOD\ IRUPDW 1XPEHU RI SD\PHQWV SHU \HDU 7KH QXPEHUV GLVSOD\HG IRU LQWHUHVW SULQFLSDO DQG EDODQFH DUH URXQGHG WR WKH FXUUHQW GLVSOD\ VHWWLQJ To Amortize. <RXU JRRG IULHQG QHHGV D ORDQ WR VWDUW KLV ODWHVW HQWHUSULVH DQG KDV DVNHG \RX WR OHQG KLP IRU GD\V <RX OHQG KLP WKH PRQH\ DW VLPSOH DQQXDO LQWHUHVW WR EH FDOFXODWHG RQ D GD\ EDVLV +RZ PXFK LQWHUHVW ZLOO KH RZH \RX LQ GD\V DQG ZKDW LV WKH WRWDO DPRXQW RZHG" 7KLV HTXDWLRQ LV XVHG IRU FDOFXODWLQJ VLPSOH DQQXDO LQWHUHVW XVLQJ D GD\ \HDU , 17(5(67 /2$1 $02817 , 17(5(67 7(50 2) /2$1 , 1 '$<6 ------------------------------------------------------------------------------------------------------------------------------------------------------------------ "#4 4$d!$#1 1 Keys: Display: 0. 10 7. 40 457. 40 Description: 6WRUHV LQWHUHVW &DOFXODWHV LQWHUHVW RZHG &DOFXODWHV WRWDO RZHG Continuous Compounding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dditional Examples Example. <RX FXUUHQWO\ KDYH LQ DQ DFFRXQW DW 'UHDP :RUOG , QYHVWPHQWV WKDW HDUQV DQQXDO LQWHUHVW FRPSRXQGHG FRQWLQXRXVO\ $W WKH HQG RI HDFK PRQWK \RX GHSRVLW LQ WKH DFFRXQW :KDW ZLOO WKH EDODQFH EH DIWHU \HDUV" & B2 41 B B B Keys: Display: 0. 18 1. 20 19. 72 19. 72 12. 00 18. 14 Description: 6HW WR (QG 0RGH 3UHVV #B #@P "#% &@ G By LI 180. 00 250. 00 'LYLGHV QRPLQDO UDWH E\ 5DLVHV H WR SRZHU &DOFXODWHV DQQXDO HIIHFWLYH UDWH 6WRUHV HIIHFWLYH UDWH 6HWV SD\PHQWV SHU \HDU &DOFXODWHV DQQXDO QRPLQDO UDWH IRU D PRQWKO\ SD\PHQW SHULRG BEGIN DQQXQFLDWRU LV GLVSOD\HG 6WRUHV QXPEHU RI PRQWKV 6WRUHV UHJXODU SD\PHQW 6WRUHV FXUUHQW EDODQFH DV D QHJDWLYH YDOXH OLNH DQ LQLWLDO LQYHVWPHQW &DOFXODWHV DFFRXQW EDODQFH DIWHU \HDUV RI SD\PHQWV ZLWK LQWHUHVW FRPSRXQGHG FRQWLQXRXVO\ 4, 572. 80 297, 640. 27 Yield of a Discounted (or Premium) Mortgage 7KH DQQXDO \LHOG RI D PRUWJDJH ERXJKW DW D GLVFRXQW RU SUFUJITSULXP FDQ EH FDOFXODWHG JLYHQ WKH RULJLQDO PRUWJDJH DPRXQW 39 LQWHUHVW UDWH , <5 SHULRGLF SD\PHQW 307 EDOORRQ SD\PHQW DPRXQW )9 DQG WKH SULFH SDLG IRU WKH PRUWJDJH QHZ 39 5FUJITSUFUJITSUEHU WKH FDVK IORZ VLJQ FRQYHQWLRQ PRQH\ SDLG RXW LV QHJDWLYH PRQH\ UHFHLYHG LV SRVLWLYH 8: Additional Examples 99 Example. $Q LQYHVWRU ZLVKHV WR SXUFKDVH D PRUWJDJH WDNHQ RXW DW IRU \HDUV 6LQFH WKH PRUWJDJH ZDV LVVXHG PRQWKO\ SD\PHQWV KDYH EHHQ PDGH 7KH ORDQ LV WR EH SDLG LQ IXOO D EDOORRQ SD\PHQW DW WKH HQG RI LWV ILIWK \HDU :KDW LV WKH \LHOG WR WKH SXUFKDVHU LI WKH SULFH RI WKH PRUWJDJH LV " Step 1. &DOFXODWH 307 0DNH VXUH )9 6HW WR (QG 0RGH 3UHVV By LI 12. 00 9. 00 240. 00 DQQXQFLDWRU LV GLVSOD\HG Description: BEGIN B 'F B @ G P Keys: Display: 100, 000. 00 0. 00 899. 73 6HWV SD\PHQWV SHU \HDU 6WRUHV LQWHUHVW UDWH 6WRUHV QXPEHU RI PRQWKV 6WRUHV RULJLQDO DPRXQW RI PRUWJDJH (QWHUV DPRXQW OHIW WR SD\ DIWHU \HDUV &DOFXODWHV UHJXODU SD\PHQW Step 2. (QWHU WKH QHZ YDOXH IRU 1 LQGLFDWLQJ ZKHQ WKH EDOORRQ RFFXUV WKHQ ILQG )9 WKH DPRXQW RI WKH EDOORRQ BvP Keys: Display: 899. 73 Description: #B G 60. 00 88, 706. 74 5RXQGV SD\PHQW WR WZR GHFLPDO SODFHV IRU DFFXUDF\ 6WRUHV QXPEHU RI SD\PHQWV XQWLO EDOORRQ &DOFXODWHV EDOORRQ SD\PHQW DGG WR ILQDO SD\PHQW 100 8: Additional Examples Step 3. (QWHU DFWXDO FXUUHQW YDOXHV IRU 1 DQG 39 WKHQ ILQG WKH QHZ , <5 IRU WKH GLVFRXQWHG PRUWJDJH ZLWK EDOORRQ (" %'@ F Keys: Display: 18. 00 79, 000. 00 20. 72 Description: 6WRUHV UFUJITSUDLQLQJ QXPEHU RI SD\PHQWV 6WRUHV SULFH RI PRUWJDJH &DOFXODWHV WKH UHWXUQ RQ WKLV GLVFRXQWHG PRUWJDJH Annual Percentage Rate for a Loan With Fees 7KH DQQXDO SHUFHQWDJH UDWH $35 LQFRUSRUDWHV IHHV XVXDOO\ FKDUJHG ZKHQ D PRUWJDJH LV LVVXHG ZKLFK HIIHFWLYHO\ UDLVHV WKH LQWHUHVW UDWH 7KH DFWXDO DPRXQW UHFHLYHG E\ WKH ERUURZHU WKH 39 LV UHGXFHG ZKLOH WKH SHULRGLF SD\PHQWV UFUJITSUDLQ WKH VDPH 7KH $35 FDQ EH FDOFXODWHG JLYHQ WKH WHUP RI WKH PRUWJDJH 1 SHULRGV WKH DQQXDO LQWHUHVW UDWH , 35 WKH PRUWJDJH DPRXQW QHZ 39 DQG WKH DPRXQW RI WKH IHH 5FUJITSUFUJITSUEHU WKH FDVK IORZ VLJQ FRQYHQWLRQ PRQH\ SDLG RXW LV QHJDWLYH PRQH\ UHFHLYHG LV SRVLWLYH Example: APR for a Loan With Fees. $ ERUURZHU LV FKDUJHG WZR SRLQWV IRU WKH LVVXDQFH RI D PRUWJDJH 2QH SRLQW LV HTXDO WR RI WKH PRUWJDJH DPRXQW , I WKH PRUWJDJH DPRXQW LV IRU \HDUV DQG WKH DQQXDO LQWHUHVW UDWH LV ZLWK PRQWKO\ SD\PHQWV ZKDW $35 LV WKH ERUURZHU SD\LQJ" 6HW WR (QG 0RGH 3UHVV By LI 12. 00 8. 50 360. 00 BEGIN DQQXQFLDWRU LV GLVSOD\HG Description: B &#F !B $ Keys: Display: 160, 000. 00 6HWV SD\PHQWV SHU \HDU 6WRUHV LQWHUHVW UDWH 6WRUHV OHQJWK RI PRUWJDJH 6WRUHV RULJLQDO DPRXQW RI PRUWJDJH 8: Additional Examples 101 G P ( F 0. 00 1, 230. 26 160, 000. 00 156, 800 8. 72 7KH ORDQ ZLOO EH FRPSOHWHO\ SDLG RII LQ \HDUV &DOFXODWHV SD\PHQW 5HFDOOV ORDQ DPRXQW 6XEWUDFWV SRLQWV &DOFXODWHV $35 FRQVLGHULQJ IHHV Example: Interest-Only Loan With Fee. $ \HDU DQQXDO LQWHUHVW LQWHUHVWRQO\ ORDQ KDV DQ RULJLQDWLRQ IHH RI WKUHH SRLQWV :KDW LV WKH \LHOG WR WKH OHQGHU" $VVXPH WKDW PRQWKO\ SD\PHQWV RI LQWHUHVW DUH PDGH 6HW WR (QG PRGH 3UHVV By LI 12. 00 12. 00 120. 00 BEGIN DQQXQFLDWRU LV GLVSOD\HG Description: B F B @G Keys: Display: 1, 000, 000. 00 1, 000, 000. 00 P ( !F 10, 000. 00 1, 000, 000. 00 970, 000. 00 12. 53 6HWV SD\PHQWV SHU \HDU 6WRUHV LQWHUHVW UDWH 6WRUHV OHQJWK RI PRUWJDJH 6WRUHV RULJLQDO DPRXQW RI PRUWJDJH (QWHUV DPRXQW GXH DW HQG RI WHUP 3D\PHQWV DUH LQWHUHVW RQO\ VR HQWLUH ORDQ DPRXQW LV GXH &DOFXODWHV LQWHUHVWRQO\ SD\PHQWV 5HFDOOV ORDQ DPRXQW 6XEWUDFWV SRLQWV &DOFXODWHV $35 102 8: Additional Examples Loan With a Partial (Odd) First Period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xample. $ PRQWK ORDQ IRU KDV DQ DQQXDO UDWH RI , I WKH ILUVW PRQWKO\ SD\PHQW LV PDGH LQ GD\V ZKDW LV WKH PRQWKO\ SD\PHQW DPRXQW DVVXPLQJ GD\ PRQWKV" 7KH RGG ILUVW SHULRG LQ WKLV H[DPSOH LV GD\V 6HW WR (QG PRGH 3UHVV By LI 12. 00 15. 00 1. 25 0. 67 30. 00 BEGIN DQQXQFLDWRU LV GLVSOD\HG Description: B #F d 4 $d!4 "#Bi1 Keys: Display: "# 4, 530. 00 6HWV SD\PHQWV SHU \HDU 6WRUHV LQWHUHVW UDWH &DOFXODWHV SHULRGLF LQWHUHVW UDWH 0XOWLSOLHV E\ IUDFWLRQ RI D SHULRG &DOFXODWHV DPRXQW RI VLPSOH LQWHUHVW RZHG IRU RGG SHULRG $GGV WKLV VLPSOH LQWHUHVW WR SUHVHQW YDOXH 8: Additional Examples 103 !$ G P Automobile Loan 36. 00 0. 00 157. 03 6WRUHV WHUP RI ORDQ (QWHUV DPRXQW OHIW WR SD\ DIWHU SD\PHQWV &DOFXODWHV SD\PHQW DPRXQW Example. <RX DUH EX\LQJ D QHZ VHGDQ <RXU GRZQ SD\PHQW LV DQG \RX DUH JRLQJ WR ILQDQFH WKH UFUJITSUDLQLQJ 7KH FDU GHDOHU LV RIIHULQJ WZR FKRLFHV IRU ILQDQFLQJ n $ \HDU ORDQ ZLWK DQ DQQXDO LQWHUHVW UDWH RI n $ \HDU ORDQ ZLWK DQ DQQXDO LQWHUHVW UDWH RI DQG D UHEDWH :LWK ZKLFK FKRLFH GR \RX SD\ OHVV IRU WKH FDU" 6HW WR (QG PRGH 3UHVV By LI 12. 00 36. 00 BEGIN DQQXQFLDWRU LV GLVSOD\HG &DOFXODWH WKH ILUVW RSWLRQ B !$ # G !#F P 4(1 Keys: Display: Description: 6HWV SD\PHQWV SHU \HDU 6WRUHV NQRZQ YDOXHV 12, 500. 00 0. 00 3. 50 366. 28 13, 185. 94 6WRUHV ILUVW LQWHUHVW UDWH &DOFXODWHV SD\PHQW &DOFXODWHV WRWDO LQWHUHVW DQG SULQFLSDO 104 8: Additional Examples &DOFXODWH WKH VHFRQG RSWLRQ # '#F P 4(1 Keys: Display: 11, 500. 00 9. 50 368. 38 13, 261. 64 Description: 6WRUHV ORDQ DPRXQW ZLWK UHEDWH 6WRUHV VHFRQG LQWHUHVW UDWH &DOFXODWHV SD\PHQW &DOFXODWHV WRWDO LQWHUHVW DQG SULQFLSDO 7KH ILUVW RSWLRQ FRVWV VOLJKWO\ OHVV Canadian Mortgages , Q &DQDGLDQ PRUWJDJHV WKH FRPSRXQGLQJ DQG SD\PHQW SHULRGV DUH QRW WKH VDPH , QWHUHVW LV FRPSRXQGHG VFUJITSULDQQXDOO\ ZKLOH SD\PHQWV DUH PDGH PRQWKO\ 7R XVH WKH 790 DSSOLFDWLRQ LQ WKH +3 %, , \RX QHHG WR FDOFXODWH D &DQDGLDQ PRUWJDJH IDFWRU ZKLFK LV DQ DGMXVWHG LQWHUHVW UDWH WR VWRUH LQ , <5 )RU DGGLWLRQDO LQIRUPDWLRQ RQ LQWHUHVW UDWH FRQYHUVLRQV VHH , QWHUHVW 5DWH &RQYHUVLRQV RQ SDJH Example. [. . . ] <RX KDYH PDGH WKH IROORZLQJ GHSRVLWV RYHU WKH SDVW WZR \HDUV LQWR D PRQH\ PDUNHW IXQG HDUQLQJ :KDW LV WKH FXUUHQW EDODQFH RI WKH DFFRXQW" 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 -3, 000 -12, 000 6HW WR (QG PRGH 3UHVV I/YR = 8. 8% -7, 500 -2, 000 Current Date By LI 12. 00 BEGIN DQQXQFLDWRU LV GLVSOD\HG Description: B8 B @D D Bg !@D !Bg D'Bg %#@D D!Bg Keys: Display: CF0 12, 000. 00 CF1 0. 00 n1 2. 00 CF2 3, 000. 00 n2 3. 00 n3 9. 00 CF4 7, 500. 00 n5 3. 00 &OHDUV DOO UHJLVWHUV 6HWV SD\PHQWV SHU \HDU (QWHUV LQLWLDO FDVK IORZ (QWHUV DPRXQW LQ JURXS (QWHUV QXPEHU RI WLPHV SD\PHQW RFFXUV (QWHUV DPRXQW LQ JURXS (QWHUV QXPEHU RI WLPHV SD\PHQW RFFXUV (QWHUV QXPEHU RI WLPHV SD\PHQW RFFXUV (QWHUV FDVK IORZ JURXS (QWHUV QXPEHU RI WLPHV SD\PHQW RFFXUV 8: Additional Examples 115 @D &&F Bx " P G CF6 2, 000. 00 8. 80 29, 203. 14 24. 00 0. 00 34, 800. 58 (QWHUV FDVK IORZ JURXS 6WRUHV DQQXDO LQWHUHVW UDWH &DOFXODWHV QHW SUHVHQW YDOXH 139 DXWRPDWLFDOO\ VWRUHG DV 39 6WRUHV NQRZQ YDOXHV &DOFXODWHV QHW IXWXUH YDOXH 116 8: Additional Examples A Assistance, Batteries, and Service +HZOHWW3DFNDUG LV FRPPLWWHG WR SURYLGLQJ \RX ZLWK RQJRLQJ VXSSRUW <RX FDQ REWDLQ DQVZHUV WR TXHVWLRQV DERXW XVLQJ \RXU FDOFXODWRU IURP RXU &DOFXODWRU 6XSSRUW GHSDUWPHQW 3OHDVH UHDG $QVZHUV WR &RPPRQ 4XHVWLRQV EHIRUH FRQWDFWLQJ XV 2XU H[SHULHQFH KDV VKRZQ WKDW PDQ\ RI RXU FXVWRPHUV KDYH VLPLODU TXHVWLRQV DERXW RXU SURGXFWV , I \RX GRQW ILQG DQ DQVZHU WR \RXU TXHVWLRQ \RX FDQ FRQWDFW XV XVLQJ WKH DGGUHVV RU SKRQH QXPEHU OLVWHG RQ WKH LQVLGH EDFN FRYHU Answers to Common Questions Q: , P QRW VXUH LI WKH FDOFXODWRU LV PDOIXQFWLRQLQJ RU LI , P GRLQJ VRPHWKLQJ LQFRUUHFWO\ +RZ FDQ , GHWHUPLQH LI WKH FDOFXODWRU LV RSHUDWLQJ SURSHUO\" A: 6HH 'HWHUPLQLQJ LI WKH &DOFXODWRU 5HTXLUHV 6HUYLFH RQ SDJH Q: 0\ QXPEHUV FRQWDLQ FRPPDV LQVWHDG RI SHULRGV DV GHFLPDO SRLQWV +RZ GR , UHVWRUH WKH SHULRGV" A: 3UHVV * SDJH Q: +RZ GR , FKDQJH WKH QXPEHU RI GHFLPDO SODFHV WKDW WKH +3 %, , GLVSOD\V" A: 3UHVV SDJH * DQG WKH QXPEHU RI GHFLPDO SODFHV WKDW \RX ZDQW A: Assistance, Batteries, and Service 117 Q: :KDW GRHV DQ ( LQ D QXPEHU IRU H[DPSOH ( PHDQ" 1RWDWLRQ RQ SDJH ZKHQ XVLQJ 790" A: ([SRQHQW RI WHQ IRU H[DPSOH 5HIHU WR 6FLHQWLILF Q: :K\ GR , JHW D ZURQJ DQVZHU RU WKH No Solution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nvironmental Limits 7R PDLQWDLQ SURGXFW UHOLDELOLW\ \RX VKRXOG DYRLG JHWWLQJ WKH FDOFXODWRU ZHW DQG REVHUYH WKH IROORZLQJ WFUJITSUSHUDWXUH DQG KXPLGLW\ OLPLWV n 2SHUDWLQJ WFUJITSUSHUDWXUH WR & WR ) n 6WRUDJH WFUJITSUSHUDWXUH WR & WR ) n 2SHUDWLQJ DQG VWRUDJH KXPLGLW\ UHODWLYH KXPLGLW\ DW & ) PD[LPXP Noise Declaration. , Q WKH RSHUDWRU SRVLWLRQ XQGHU QRUPDO RSHUDWLRQ SHU , 62 /S$ G% 118 A: Assistance, Batteries, and Service Power and Batteries 7KH FDOFXODWRU LV SRZHUHG E\ WZR YROW OLWKLXP EXWWRQFHOO EDWWHULHV :KHQ FKDQJLQJ EDWWHULHV XVH RQO\ IUHVK EXWWRQFHOO EDWWHULHV %RWK EDWWHULHV PXVW EH FKDQJHG DW WKH VDPH WLPH 'R QRW XVH UHFKDUJHDEOH EDWWHULHV Low Power Annunciator :KHQ WKH ORZ EDWWHU\SRZHU DQQXQFLDWRU FRPHV RQ \RX VKRXOG UHSODFH WKH EDWWHULHV DV VRRQ DV SRVVLEOH , I WKH EDWWHU\ DQQXQFLDWRU LV RQ DQG WKH GLVSOD\ GLPV \RX PD\ ORVH GDWD 7KH All Clear PHVVDJH LV GLVSOD\HG LI GDWD LV ORVW GXH WR ORZ SRZHU Battery Specifications <RXU +3 FDOFXODWRU UHTXLUHV WZR IUHVK &5 OLWKLXP EDWWHULHV Installing Batteries +DYH WZR IUHVK &5 EDWWHULHV DW KDQG 2QO\ WRXFK WKH EDWWHULHV E\ WKHLU HGJHV :LSH HDFK EDWWHU\ ZLWK D OLQWIUHH FORWK WR UFUJITSURYH GLUW DQG RLO 0DNH VXUH WKH FDOFXODWRU LV RII 1RWH WKDW \RX ZLOO ORVH WKH FRQWHQWV RI PFUJITSURU\ ZKHQ FKDQJLQJ WKH EDWWHULHV VR ZULWH GRZQ DQ\ GDWD WKDW \RX KDYH VWRUHG DQG QHHG IRU ODWHU XVH 7XUQ WKH FDOFXODWRU RYHU DQG SULVH RII WKH EDWWHU\ FRYHU Accessing the battery compartment A: Assistance, Batteries, and Service 119 5FUJITSURYH ERWK EDWWHULHV 7KHUH LV D GDQJHU RI H[SORVLRQ LI EDWWHULHV DUH LQFRUUHFWO\ UHSODFHG Warning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ssistance, Batteries, and Service Determining if the Calculator Requires Service 8VH WKHVH JXLGHOLQHV WR GHWHUPLQH LI WKH FDOFXODWRU UHTXLUHV VHUYLFH , I WKHVH SURFHGXUHV FRQILUP WKDW WKH FDOFXODWRU LV QRW IXQFWLRQLQJ SURSHUO\ UHDG WKH VHFWLRQ , I WKH &DOFXODWRU 5HTXLUHV 6HUYLFH RQ SDJH n The calculator won't turn on (nothing is in the display): 7KLV FRQGLWLRQ PRVW OLNHO\ LQGLFDWHV WKDW WKH EDWWHULHV KDYH UXQ RXW , QVWDOO QHZ EDWWHULHV , I WKH FDOFXODWRU VWLOO GRHV QRW WXUQ RQ ZKHQ \RX SUHVV UHVHW WKH FDOFXODWRU VHH EHORZ DQG LI QHFHVVDU\ HUDVH WKH PFUJITSURU\ VHH EHORZ 7KH All Clear PHVVDJH VKRXOG QRZ EH GLVSOD\HG , I WKLV LV QRW WKH FDVH WKH FDOFXODWRU UHTXLUHV D VHUYLFH 1 Resetting the calculator 7XUQ WKH FDOFXODWRU RYHU DQG UFUJITSURYH WKH EDWWHU\ FRYHU , QVHUW WKH HQG RI D SDSHU FOLS LQWR WKH VPDOO URXQG KROH ORFDWHG EHWZHHQ WKH EDWWHULHV , QVHUW WKH FOLS DV IDU DV LW ZLOO JR +ROG IRU RQH VHFRQG DQG WKHQ WKHQ UFUJITSURYH WKH FOLS 3UHVV , I WKH FDOFXODWRU LV VWLOO QRW UHVSRQGLQJ HUDVH WKH PFUJITSURU\ VHH EHORZ DQG UHSHDW VWHSV WR DERYH RQH PRUH WLPH 1 Erasing the calculator's memory +ROG GRZQ WKH NH\ +ROG GRZQ WKH DQG WKHQ WKH NH\ 5HOHDVH DOO WKUHH NH\V 0FUJITSURU\ LV FOHDUHG DQG All Clear VKRXOG EH GLVSOD\HG 1 P / n The calculator doesn't respond to keystrokes (nothing happens when you press the keys): 5HVHW WKH FDOFXODWRU VHH DERYH DQG LI QHFHVVDU\ HUDVH WKH PFUJITSURU\ VHH DERYH 7KH All Clear PHVVDJH VKRXOG QRZ EH GLVSOD\HG , I WKLV LV QRW WKH FDVH WKH FDOFXODWRU UHTXLUHV D VHUYLFH A: Assistance, Batteries, and Service 121 n The calculator responds to keystrokes but you suspect that it is malfunctioning: , W LV OLNHO\ WKDW \RXYH PDGH D PLVWDNH LQ RSHUDWLQJ WKH FDOFXODWRU 7U\ UHUHDGLQJ SRUWLRQV RI WKH PDQXDO DQG FKHFN $QVZHUV WR &RPPRQ 4XHVWLRQV RQ SDJH &RQWDFW WKH &DOFXODWRU 6XSSRUW GHSDUWPHQW 7KH DGGUHVV DQG SKRQH QXPEHU DUH OLVWHG RQ WKH LQVLGH EDFN FRYHU Limited One-Year Warranty What Is Covered 7KH FDOFXODWRU H[FHSW IRU WKH EDWWHULHV RU GDPDJH FDXVHG E\ WKH EDWWHULHV LV ZDUUDQWHG E\ +HZOHWW3DFNDUG DJDLQVW GHIHFWV LQ PDWHULDOV DQG ZRUNPDQVKLS IRU RQH \HDU IURP WKH GDWH RI RULJLQDO SXUFKDVH , I \RX VHOO \RXU XQLW RU JLYH LW DV D JLIW WKH ZDUUDQW\ LV DXWRPDWLFDOO\ WUDQVIHUUHG WR WKH QHZ RZQHU DQG UFUJITSUDLQV LQ HIIHFW IRU WKH RULJLQDO RQH\HDU SHULRG 'XULQJ WKH ZDUUDQW\ SHULRG ZH ZLOO UHSDLU RU DW RXU RSWLRQ UHSODFH DW QR FKDUJH D SURGXFW WKDW SURYHV WR EH GHIHFWLYH SURYLGHG \RX UHWXUQ WKH SURGXFW VKLSSLQJ SUHSDLG WR D +HZOHWW3DFNDUG VHUYLFH FHQWHU 5HSODFFUJITSUHQW PD\ EH ZLWK D QHZHU PRGHO RI HTXLYDOHQW RU EHWWHU IXQFWLRQDOLW\ 7KLV ZDUUDQW\ JLYHV \RX VSHFLILF OHJDO ULJKWV DQG \RX PD\ DOVR KDYH RWKHU ULJKWV WKDW YDU\ IURP VWDWH WR VWDWH SURYLQFH WR SURYLQFH RU FRXQWU\ WR FRXQWU\ What Is Not Covered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ssistance, Batteries, and Service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onsumer Transactions in the United Kingdom 7KLV ZDUUDQW\ VKDOO QRW DSSO\ WR FRQVXPHU WUDQVDFWLRQV DQG VKDOO QRW DIIHFW WKH VWDWXWRU\ ULJKWV RI D FRQVXPHU , Q UHODWLRQ WR VXFK WUDQVDFWLRQV WKH ULJKWV DQG REOLJDWLRQV RI 6HOOHU DQG %X\HU VKDOO EH GHWHUPLQHG E\ VWDWXWH If the Calculator Requires Service +HZOHWW3DFNDUG PDLQWDLQV VHUYLFH FHQWHUV LQ PDQ\ FRXQWULHV 7KHVH FHQWHUV ZLOO UHSDLU D FDOFXODWRU RU UHSODFH LW ZLWK WKH VDPH PRGHO RU RQH RI HTXDO RU JUHDWHU YDOXH ZKHWKHU LW LV XQGHU ZDUUDQW\ RU QRW 7KHUH LV D VHUYLFH FKDUJH IRU VHUYLFH DIWHU WKH ZDUUDQW\ SHULRG &DOFXODWRUV QRUPDOO\ DUH VHUYLFHG DQG UHVKLSSHG ZLWKLQ ILYH ZRUNLQJ GD\V Obtaining Service n In the United States: 6HQG WKH FDOFXODWRU WR DQ DXWKRUL]HG +3 VHUYLFH FHQWHU OLVWHG RQ WKH LQVLGH RI WKH EDFN FRYHU n In Europe: &RQWDFW \RXU +HZOHWW3DFNDUG VDOHV RIILFH RU GHDOHU RU +HZOHWW3DFNDUGV (XURSHDQ KHDGTXDUWHUV IRU WKH ORFDWLRQ RI WKH QHDUHVW VHUYLFH FHQWHU 'R QRW VKLS WKH FDOFXODWRU IRU VHUYLFH ZLWKRXW ILUVW FRQWDFWLQJ D +HZOHWW3DFNDUG RIILFH 9LVLW KWWSZZZKSFRPFDOFXODWRUV IRU D OLVW RI VXSSRUW FHQWHUV LQ (XURSH n In other countries: &RQWDFW \RXU +HZOHWW3DFNDUG VDOHV RIILFH RU GHDOHU RU ZULWH WR DQ DXWKRUL]HG +3 VHUYLFH FHQWHU OLVWHG RQ WKH LQVLGH RI WKH EDFN FRYHU IRU WKH ORFDWLRQ RI RWKHU VHUYLFH FHQWHUV A: Assistance, Batteries, and Service 123 , I ORFDO VHUYLFH LV XQDYDLODEOH \RX FDQ VKLS WKH FDOFXODWRU WR DQ DXWKRUL]HG +3 VHUYLFH FHQWHU IRU UHSDLU $OO VKLSSLQJ UHLPSRUWDWLRQ DUUDQJFUJITSUHQWV DQG FXVWRPV FRVWV DUH \RXU UHVSRQVLELOLW\ Service Charge 7KHUH LV D VWDQGDUG UHSDLU FKDUJH IRU RXWRIZDUUDQW\ VHUYLFH $Q DXWKRUL]HG +3 VHUYLFH FHQWHU OLVWHG RQ WKH LQVLGH RI WKH EDFN FRYHU FDQ WHOO \RX KRZ PXFK WKLV FKDUJH LV 7KH IXOO FKDUJH LV VXEMHFW WR WKH FXVWRPHUV ORFDO VDOHV RU YDOXHDGGHG WD[ ZKHUHYHU DSSOLFDEOH &DOFXODWRU SURGXFWV GDPDJHG E\ DFFLGHQW RU PLVXVH DUH QRW FRYHUHG E\ WKH IL[HG VHUYLFH FKDUJHV , Q WKHVH FDVHV FKDUJHV DUH LQGLYLGXDOO\ GHWHUPLQHG EDVHG RQ WLPH DQG PDWHULDO Shipping Instructions , I \RXU FDOFXODWRU UHTXLUHV VHUYLFH VKLS LW WR WKH QHDUHVW DXWKRUL]HG VHUYLFH FHQWHU RU FROOHFWLRQ SRLQW n , QFOXGH \RXU UHWXUQ DGGUHVV DQG GHVFULSWLRQ RI WKH SUREOFUJITSU n , QFOXGH SURRI RI SXUFKDVH GDWH LI WKH ZDUUDQW\ KDV QRW H[SLUHG n , QFOXGH D SXUFKDVH RUGHU FKHFN RU FUHGLW FDUG QXPEHU SOXV H[SLUDWLRQ GDWH 9, 6$ RU 0DVWHU&DUG WR FRYHU WKH VWDQGDUG UHSDLU FKDUJH 1RWH WKDW FUHGLW FDUGV PD\ QRW EH DFFHSWHG LQ (XURSH 9LVLW KWWS ZZZKSFRPFDOFXODWRUV IRU PRUH LQIRUPDWLRQ n 6KLS WKH FDOFXODWRU LQ DGHTXDWH SURWHFWLYH SDFNDJLQJ WR SUHYHQW GDPDJH 6XFK GDPDJH LV QRW FRYHUHG E\ WKH ZDUUDQW\ VR ZH UHFRPPHQG WKDW \RX LQVXUH WKH VKLSPHQW n 3D\ WKH VKLSSLQJ FKDUJHV IRU GHOLYHU\ WR WKH &RUYDOOLV 6HUYLFH &HQWHU ZKHWKHU RU QRW WKH FDOFXODWRU LV XQGHU ZDUUDQW\ Warranty on Service 6HUYLFH LV ZDUUDQWHG DJDLQVW GHIHFWV LQ PDWHULDOV DQG ZRUNPDQVKLS IRU GD\V IURP WKH GDWH RI VHUYLFH RU \RXU RULJLQDO ZDUUDQW\ ZKLFKHYHU LV ORQJHU 124 A: Assistance, Batteries, and Service Service Agreements , Q WKH 86 D VXSSRUW DJUHFUJITSUHQW LV DYDLODEOH IRU UHSDLU DQG VHUYLFH 5HIHU WR WKH IRUP LQ WKH IURQW RI WKH PDQXDO )RU DGGLWLRQDO LQIRUPDWLRQ FRQWDFW D +3 6HUYLFH &HQWHU VHH WKH LQVLGH RI WKH EDFN FRYHU Regulatory Information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n 5HRULHQW RU UHORFDWH WKH UHFHLYLQJ DQWHQQD n 5HORFDWH WKH FDOFXODWRU ZLWK UHVSHFW WR WKH UHFHLYHU 3XUVXDQW WR 3DUW RI WKH )&& 5XOHV DQ\ FKDQJHV RU PRGLILFDWLRQV WR WKLV HTXLSPHQW QRW H[SUHVVO\ DSSURYHG E\ +HZOHWW 3DFNDUG FRPSDQ\ PD\ YRLG WKH XVHU V DXWKRULW\ WR RSHUDWH WKLV HTXLSPHQW Canada 7KLV &ODVV % GLJLWDO DSSDUDWXV FRPSOLHV ZLWK &DQDGLDQ (0& &ODVV % UHTXLUFUJITSUHQWV &HW DSSDUHLO QXPpULTXH GH OD FODVVH % HVW FRPIRUPH j OD FODVVH % GHV QRUPHV FDQDGLHQQHV GH FRPSDWLELOLWp pOHFWURPDJQpWLTXHV &(0 A: Assistance, Batteries, and Service 125 Japan Disposal of Waste Equipment by Users in Private Household in the European Union This symbol on the product or on its packaging indicates that this product must not be disposed of with your other household waste. Instead, it is your responsibility to dispose of your waste equipment by handing it over to a designated collection point for the recycling of waste electrical and electronic equipment. [. . . ]

DISCLAIMER TO DOWNLOAD THE USER GUIDE FUJITSU DL1100

Lastmanuals offers a socially driven service of sharing, storing and searching manuals related to use of hardware and software : user guide, owner's manual, quick start guide, technical datasheets...
In any way can't Lastmanuals be held responsible if the document you are looking for is not available, incomplete, in a different language than yours, or if the model or language do not match the description. Lastmanuals, for instance, does not offer a translation service.

Click on "Download the user manual" at the end of this Contract if you accept its terms, the downloading of the manual FUJITSU DL1100 will begin.

Search for a user manual

 

Copyright © 2015 - LastManuals - All Rights Reserved.
Designated trademarks and brands are the property of their respective owners.

flag