User manual HP 19BLL

[. . . ] To find the benefits to both borrower and lender: 1. Calculate the monthly payment on the existing mortgage. Calculate the monthly payment on the new mortgage. Calculate the net monthly payment received by the lender (and paid by the borrower) by adding the figure found in Step 1 to the figure found in Step 2. [. . . ] Key in reach a this line, then skip the reset of the program down to line 35. Then key in lines 35 through 39, being sure to specify the register number at line 38, m, corresponding to the number of elements you are using. (For instance, for a 5 element moving average, key in lines 01 through 13 then go to line 35 in the listing and key in the balance of the program. Obviously the program listing line 38, 5). Key in the number of elements, m, and press 0. 2. m becomes the displayed line 17, Key in the second data point and press Key in the second data point and press 74 5. 8. Continue as above, keying in and storing each data point in its appropriate register until m data points have been stored. Press 00 to calculate the first moving average. to calculate the next moving Key in the next data point and press average. Repeat step 7 for each new data point. Example 2: Calculate the 3-element moving average for the data given in example 1. Your modified program listing will look like this: KEYSTROKES DISPLAY CLEAR 1 2 1 000102030445 45 44 1 2 1 40 45 44 3 2 40 45 0 10 31 44 3 01 3 2 3 0 050607080910- 3 01 11- 12-43, 33 Keystrokes CLEAR 3 211570 112550 190060 0 1 2 3 Display 0. 00 3. 00 211, 570. 00 112, 550. 00 190, 060. 00 75 00 131760 300500 271120 171, 393. 33 144, 790. 00 207, 440. 00 234, 460. 00 3-month average for March. This is a "growth" curve having a general "S" shape and may be used to describe series of data where the early rate of growth is small, then accelerates for a period of time and then slows again as the time grows long. The sales curve for many products follow this trend during the introductory, growth and maturity phases. The data points to be fit to a Gompertz curve should be equally spaced along the x (or time) axis and all the data points must be positive. The points are divided serially into 3 groups for data entry. The following HP 19BLL program processes the data, fits it to a Gompertz curve and calculates estimated values for future data points. The 3 constants which characterize the curve are available to the user if desired. KEYSTROKES DISPLAY CLEAR 000143 40 23 3 33 43 40 23 2 33 43 40 40 45 23 1 1 4 4 00 3 2 30 45 45 2 1 3 02-44 03042 05-44 0607- 1 1 4 4 00 3 2 08-44 0910-44 11- 12-43, 33 13141545 45 2 1 1617- 83 18194 2021226 1 3 232425262 272829301 3 3132332 2 34353637384 3940417 6 1 4243444543 44 45 45 45 45 45 45 44 45 45 45 30 10 4 22 21 6 1 3 20 2 36 20 30 1 3 40 2 2 20 30 10 4 10 22 7 6 1 30 84 6 4 1 4647484950515253- 45 45 6 4 21 1 30 36 20 10 6 5455- 45 6 10 2 1 5657585960- 45 45 2 1 30 20 43 44 22 5 31 5 6162636465- 45 6 34 21 5 666768- 45 5 34 21 7 697062 45 7 20 62 71-43, 33 n: Unused REGISTERS i: Unused 85 PV: Unused FV: Unused R1: S1 R3: S3 R5: a R7: c 1. Key in the program and press PMT: Unused R0: Unused R2: S2 R4: n R6: b R8-R. 0: Unused CLEAR . Divide the data points to be input into 3 equal consecutive groups. Label them Groups I, II and III for convenience. Key in the first point of group I and press Key in the first point of group II and press Key in the first point of group III and press . . Repeat steps 3, 4, and 5 for the balance of the data in each group. After executing step 5 the display shows how many sets of data have been entered. [. . . ] RV = redemption value per $100 par value. Y = annual yield of investment with security held to maturity (as a decimal). Forecasting 154 Simple Moving Average · · · X1 + X2 + X3 + X m . . . x nmm X 1 = -----------------------------------------------------m · X1 + X2 + X3 + X m + 1 . . . x nmm X 2 = ---------------------------------------------------------------m · · · · Xm + 1 X1 . . . xm ------ + ( X 2 + X 3 + X MM ) + ----------------2 2 X c = -------------------------------------------------------------------------------------m · · · · X SV = ----i Xi SV = Seasonal variation factor. i = centered moving average of the ith data point. Xc = centered moving average m = number of elements in the centered moving average. [. . . ]