GETTING STARTED..........................................................................1
KEY DEFINITIONS .........................................................................1
Basic Operation Keys ..................................................................1
Mortgage/Time-Value-of-Money Keys..........................................2
Qualifying Keys ............................................................................5
Cash Flow Keys ...........................................................................8
U.S. Keys (Used in U.S. Mode) ...................................................9
CALCULATOR SETTINGS ...........................................................10
Decimal Place Selection ............................................................10
Canadian/U.S. Mode ..................................................................11
Preference Settings ...................................................................12
MEMORY ......................................................................................14
Accumulative Memory ...............................................................14
Memory Storage Keys (M0-M5).................................................15
Additional Memory Storage Keys (M10-M19)............................16
BASIC ARITHMETIC EXAMPLES ................................................17
Arithmetic ...................................................................................17
Percentage Calculations ............................................................17
Percent Change .........................................................................17
Figuring Straight Percent Commission ......................................18
Reduction in Listing Price (Discount %) ....................................18
Simple, One-Year Home Appreciation (Add-on %)....................18
Delta Percent-Rate of Appreciation ...........................................19
USING THE FEET AND METERS CONVERSIONS ....................19
USING THE DATE FUNCTION.....................................................20
EXAMPLES —
CANADIAN MODE .................................................21
MORTGAGE/TIME-VALUE-OF-MONEY (TVM)............................21
Finding the Monthly Mortgage Payment ....................................22
Finding the Term of a Mortgage.................................................22
Paying Off a Mortgage Early (Making Larger Payments) ..........23
Finding the Interest Rate ...........................................................23
Finding the Mortgage Amount....................................................23
Non-Monthly Mortgages.............................................................24
Finding a Quarterly Payment .....................................................24
Bi-Weekly Mortgages .................................................................25
Bi-Weekly Term Reduction and Payment ..................................25
Sales Price/Down Payment .......................................................26
Finding Mortgage Amount Based on Sales Price and
Down Payment .......................................................................26
Finding Sales Price and Payment Based on Mortgage Amount
and Down Payment ................................................................26
Finding Loan-to-Value (LTV) Based on Down Payment and
Sales Price..............................................................................27
Setting Property Tax Percent Rate ............................................27
Setting Property Tax Dollar Amount...........................................27
Total Payment (Including Heating Expense)..............................27
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