I ordered a 19BII manual via the museum. Two weeks later I received a CD4. It does not contain the 19BII manual as ordered. Can somebody help? What do I do now? Not to help your problem with the museum, buuuuttt!

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The HP 19B is a fairly easy to use financial calculator that will serve you well in all finance courses. This tutorial will demonstrate how to use the financial functions to handle time value of money problems and make financial math easy.

I will keep the examples rather elementary, but understanding the basics is all that is necessary to learn the calculator.

I will make no effort here to teach RPN as it isn't necessary for our purposes. Before we get started, we need to correctly in my view, anyway set up the calculator.

The 19BII comes from the factory set to assume monthly compounding. That's fine, I suppose, but its better to set it to assume annual compounding and then make manual adjustments when you enter numbers.

Well, the compounding assumption is hidden from view and in my experience people tend to forget to set it to the correct assumption. Of course, most people don't recognize a wrong answer when they get one, so they blithely forge ahead.

To fix this problem press we need to navigate through the menus a bit. Now choose the FIN menu use the blank keys below the screen to choose menu items. Next, choose TVM to get to the time value of money menu. Problem solved.

Press Exit to return to the TVM menu. One other adjustment is important before we get started. By default the 19BII displays only two decimal places. This is not enough. Personally, I like to see five decimal places, but you may prefer some other number. To change the display, press DSP display , choose FIX , and then enter the number of decimal places that you wish to display.

That's it, the calculator is ready to go. If you don't find the answer that you are looking for, please check the FAQ. If it isn't there, please drop me a note and I'll try to answer the question. Please note that in the following text the orange key is referred to as Shift because it is used to shift to the orange-colored function above the key that is pressed next. We'll begin with a very simple problem that will provide you with most of the skills to perform financial math on the 19BII:.

How much will you have accumulated at the end of this time period? Before entering the data you need to make sure that the financial registers each key is nothing more than a memory register are clear. Otherwise, you may find that numbers left over from previous problems will interfere with the solution to this one.

Press Shift Input to clear the memory. Now to find the future value simply press FV. The answer that you get should be Solving for the present value of a lump sum is nearly identical to solving for the future value. One important thing to remember is that the present value will always unless the interest rate is negative be less than the future value. Keep that in mind because it can help you to spot incorrect answers due to a wrong input.

Let's try a new problem:. Suppose that you are planning to send your daughter to college in 18 years. We want to find the present value.

That is a lot of money to invest all at once, but we'll see on the next page that you can lessen the pain by investing smaller amounts each year.

Sometimes you know how much money you have now, and how much you need to have at an undetermined future time period. If you know the interest rate, then we can solve for the amount of time that it will take for the present value to grow to the future value by solving for N. This is the classic type of problem that we can quickly approximate using the Rule of Now solve for N and you will see that it will take 8.

One important thing to note is that you absolutely must enter your numbers according to the cash flow sign convention. That is because, if both numbers are positive, the calculator thinks that you are getting a benefit without making any investment. Solving for the interest rate is quite common. Maybe you have recently sold an investment and would like to know what your compound average annual rate of return was.

Or, perhaps you are thinking of making an investment and you would like to know what rate of return you need to earn to reach a certain future value. Let's return to our college savings problem from above , but we'll change it slightly.

As before, we need to be careful when entering the PV and FV into the calculator. Therefore, we will enter , into PV , and , into FV. Therefore, in order to reach the same goal, you would need to earn a higher interest rate.

When you have solved a problem, always be sure to give the answer a second look and be sure that it seems likely to be correct. This requires that you understand the calculations that the calculator is doing and the relationships between the variables.

If you don't, you will quickly learn that if you enter wrong numbers you will get wrong answers. Remember, the calculator only knows what you tell it, it doesn't know what you really meant. Please continue on to part II of this tutorial to learn about using the HP 19BII to solve problems involving annuities and perpetuities.

HP 19BII. Next: HP 19B Page 2.

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