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HP 10B II - Rooks
1
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HP 10B II - Rooks
2
Hewlett Packard HP 17B II
nThe Hewlett Packard 10B II
nIs an algebraic financial calculator that will help solve all financial pro= blems as well as regular arithmetic problems that you will encounter.
n= The HP 10B II is suited for the active Real Estate= Appraiser as well as the  Active Real Estate agent and broker.
nWith a minimum of practice you will find you are q= uite proficient with the calculator. =
n
------=_NextPart_01C3F63D.67839360 Content-Location: file:///C:/6E8AC514/HP10BIIInternet_files/slide0005.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="windows-1252"
HP 10B II - Rooks
3
Und= erstanding The Keyboard
nThe keyboard on the 10 BII looks overwhelming, or complicated.  = If you group the numbers and scripting into color = it becomes painfully simple.=
nYou’ll notice that you have three colors on your keyboard.  You have white, the numbers are all white and many of = the written commands are white.  These white markings tell = you what a key will do if only t= hat key is pressed.
nNotice that you have a key with Orange and a key w= ith purple.  = You also have a purple and orange invoking key. 
n
n
n= When you press those keys you invoke the orange and purple functions assign= ed to the keys.  You will notice that ma= ny keys have three funct= ions, white, orange and purple.  Some ha= ve only white and some h= ave white and orange, with a few having white, = orange, and purple.  This equates to fewer keys and more functions on a smaller keyboard.
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HP 10B II - Rooks
4
Sim= ple Addition & Subtraction
C <= br> C<= span style=3D'mso-spacerun:yes'>  ALL
ON
OFF
This t= urns the calculator on
This Clears all previous calculations.
Keystr= okes Operator Display
 58.33 none 58.33
   - 22.95   =3D 35.38
   - 13.70   =3D 21.68
   - 10.14   =3D 11.54
   +  1,053.00   =3D 1,064.54
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HP 10B II - Rooks
5
Ch= ain Calculations
Keystro= kes Operator Display
This Cl= ears all previous calculations.
Consid= er this calculation (3x4) + (5x6)
3 x 4 =3D 12
      + (5x6 ) = 30.00
        =3D     42
Exampl= e 2
<= span style=3D'font-size:67%;color:white'>C
C ALL
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HP 10B II - Rooks
6
Anoth= er Chain Calculation
nTry this one:  (3÷4)  x  (5+6)
Example= 3
     3     ÷    4 =3D 0.75
     x (  3+6              ) =3D 9.00
=3D 6.75
Keystro= kes Operator Display
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HP 10B II - Rooks
7
More Chain Calculations
Example= 4
Try this one:
(27 – 14)
(14 + 38)
=3D
0.25
   27 27
   -14    =3D 13
Keystrok= es Operator      Displ= ay
   ÷ (14+38 )           52.00
     =3D          00.25
    <= /span>C
 C  ALL
=     <= /span>C
 C  ALL
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HP 10B II - Rooks
8
Another Chain Calculations
Example= 5
What about this one?
5     
    3 + 16 + 21
=3D 0.12= 50
     5 ÷ 5.00
(3+16+21 ) =3D   40.00<= span style=3D'mso-special-format:lastCR;display:none'>
Keystr= okes Operator Display
      =3D      0.1250<= /div>
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HP 10B II - Rooks
9
Data Storage
There’s more ways and plac= es to save data on the 17 BII than you will ever have a need for.
Being able to store a constant (k) or add and subtract saved numbers is a convenience = that is missed when it is lacking, for most of us the use storage areas on calculators is adequate with one to three areas = of storage.
Here you will find more = than you’ll ever be able to, or want to use.
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HP 10B II - Rooks
10
Storing Constants (K)
& = Use K (constant) to store a number and its operator for repetitive operation.
An Example of a constant = used by appraisers, realtors, and loan representatives would be; =
If you wanted to find the value of 10% compounded for 5 years you could store 1.= 1 in K and then multiply it by itself five times. <= /div>
(1.10) x (1.10) x (1.10) x (1.10) x (1.10) =3D 1.6105
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HP 10B II - Rooks
11
Storing Constants (K)
& The calculation would= work like this;
1.1 x 1.1 k =3D 122.1
The second 1.1 is stored i= n k as a constant if you press =3D again it will multiply 1.2210 by 1.1 and you will have;
=3D 1.3553, then press =3D again and you will have 1.5044
This will continue as long as you pre= ss the equal sign.
How would you use such a function?  Suppose you wanted to  solve (1.1)5   That’s the formula for any dollar amou= nt placed in an interest bearing account with the interest bei= ng compounded.  It could be written like this.
(1.10) x (1.10) x (1.10) x (1.10) x (1.10) =3D 1.6105
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HP 10B II - Rooks
12
Storing Constants (K)
& = This 1.6105 multiplied against any amount of money placed in a bank with an annual interest, calculated annually, for five years would give you the principle and interest in the account.
If you placed $10,000 in a bank account and earned 10% annually for five years you could multiply the $10,000 by 1.61 and come up with the principle and the interest.
The would equate to  $10,000 x 1.61 =3D $16,100
This is the beginning of your understanding of the;
Six Functions of a Dollar
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HP 10B II - Rooks
13
Elaborating on The (K) Function
Stores + number as a constant.
Stores  number as a constant.
Stores X number as a constant.
Stores ¸ number as a constant.
Stores y x value as a constant.

Stores + number % as a constant.
Stores  number % as= a constant.
Stores x number % as a constant.
Stores ¸ number % as a constant.
 +  number k =3D
   number k =3D
x   number k =3D
 ¸=   number k =3D
          yx  x= value k =3D
+  number % k =3D
  number % k =3D
x  number % k =3D
 ¸ number % k =3D
                 Operation
            Keys
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HP 10B II - Rooks
14

Adding a Constant with k=
If you wanted to add a number to several numbers you could <= /span>store it as a constant and recall it to add it.  This would save you keystrokes.
Let’s say that you had to add a transaction fee of $300 to e= very Commission Statement.
You wou= ld press  +300 k =3D
Now what if you had a $6,500 commission, a $4,940 commission, a $7,230 commission you would do the following;
6,500 k =3D 6,800
 4,940 k =3D 5,240
 7,230 k =3D 7,530
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HP 10B II - Rooks
15
Subtracting a Constant With K
Suppose escrow that you close, or every appraisal that you <= /span>contract to do has to have a $100 Errors and Omissions Fee subtracted from the total commission or total cost of the appraisal.
You would simply put the $100 into the k function as a – num= ber or negative 100.
You would press <= /span> –   = 100 k =3D
Now what if you had a $6,500 commission, a $4,940 commission, a $7,230 commission you would do the following;
6,500 k =3D 6,400
 4,940 k =3D 4,840
 7,230 k =3D 7,130
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HP 10B II - Rooks
16
Multipl= ying with a Constant Using k
Multiplication can be one of the handiest uses of a constant.  Suppose you put $5,000 in a bank at 7% interest a year.  You want to know what the $5,= 000 will be worth at the end of the third year.
You would put x 1.07 k =3D
Next you would enter 5,000 and;
press k and =3D 5,350
press  k again and =3D 5,724.50
and again k =3D 6,125.2150
If you kept pressing k and =3D it would multiply your balanc= e by a 7%  annual growth ra= te over and over.
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Dividing with a Constant Using k
You may find an occasion where you will need to divide a ser= ies of numbers by a common dividend.
Let’s say that you need to split any commissions coming into= the office between 5 people.  You would simply;
You would put ¸= 5 k =3D
Next you= would enter the series;  Let’s say the s= eries is 12,000, 14,000, 32,000 and 46,700 =

press  12,000 k =3D 2,400
press 14,000 = k =3D 2,800
press 32,000 <= /span>k =3D 6,400
press 46,700 <= /span>k =3D 9,340
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Y to the x value using a constant
You have probably seen your Yx key on calculators before.  Likely you have not used this key because it looked very scary and sophisticated.  It isn’t really, it is just a fast way= to raise a number to a power.  = WHAT’S THAT?
Say we invested an amount of money at 10% interest for 8 years.  How much, compounded, would that amount be worth in 8  years.  The mathemat= ical problem is 1.10 times itself 8 times.  Here the Y =3D 1.10; and the x =3D 8;  = Simply pictured it would look like this;
1.10 x 1.10 x 1.10 x 1.10 x = 1.10 x 1.10 x 1.10 x 1.10
Algebraically we would write it like this;  The parenthesis mean = that those numbers are being multiplied by each other.
(1.10)(1.10)(1.10)(1.10)(1.= 10)(1.10)(1.10)(1.10)
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Y to the x value using a constant
We could use a k constant press k eight times. Like this;
X 1.10 =3D
Then 1.10 k =3D 1.10
 =3D 1.21
 =3D 1.3310
 =3D 1.4641
 =3D 1.6105
 =3D 1.7716
 =3D 1.9487
 =3D 2.1436
 =3D 2.3579
Any number multiplied by 2.3579 would give us that number compounded at 10% interest annually for 8 years.  If we had initially placed $10,000 in this account at the end of the eighth year it would be <= /span>worth $23,579.00
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Y to the x value using a constant
Let’s look at what this constant can do.  Y represents the number that you are working with.  x =3D‘s the number of times you want to multiply that number by itself.
When we are working with money progressions we are working with <= span style=3D'position:absolute;top:42.5%;left:5.99%;width:98.12%;height:4.75%'= >interest rates compounded, or raised to a power.  For example how much will  a savings account grow to in 5 years at 10% interest.
Again, this is the same thing as saying what does 1.10 x 1.10 x 1.10 x 1.10 x 1.10 equal, or 1.10 times itself 5 times?
With the YX key we simply input 1.10 Yx   = enter 5 for 5 periods and you g= et 1.6105 – this number is the multiplier for any amount of money earning 10% interest, compounded, = for 5 years. = ;
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Store a Constant to Subtract From Other Integers
<= /div>
=
You get a 17% discount on anything that you purcha= se at Wall Mart. <= /div>
-  17 % k =3D
You purchase the following items;
A movie for $  20
 A new coat for $  65
 A new Bicycle for $120
If you put in the cost first number,  20 and press  k  =3D you have the = discounted price of $16.60  then; =
  65 k =3D 53.95
 120 k =3D 99.60
 
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Store a Constant to Multiply Other Integers
You normally earn a 6% commiss= ion on sales.  You need to get a <= /span>picture of the future earnings of your real estate office;
You have a $300,000 sale
You have a $450,000 sale
You have a $525,000 sale
Enter X 6 %= k =3D Then;
300,000 = k =3D 18,000
 450,000 = k =3D 27,000
 525,000 k =3D 31,500
After each answer you could st= ore STO the answer in storage = register 1, then get the second answer and + recall (RCL) 1 =3D
STO
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Store a Constant to Divide Integers<= /div>
You can divide by a constant.  This could be handy if you were doing = a markup.  S= uppose you have to mark up several items that you are going to = sell in your novelty store.  You have to mark up every item by 27% = to = keep the doors open;
You purchase wholesale  A Logo sweatshirt for $35
 A ladies skirt for $88
 A doll for $16
 A toy truck for $18
How much will they= be with your 27% markup.  Here you wa= nt to divide by the reciprocal= of 27%, the opposite, you want to divide by 73% because = that is what you have paid for the final price;= 3;
Press ¸ 73 % k = =3D then;
 35 k =3D   47.95
 88 k =3D 120.55
 16 k =3D   21.92
 18 k =3D   24.66=
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The 10 BII HP Financial  Calculator = Has More Storage Registers
The M register is a storage register made up of 3 keys.
®M RM M+
The M register is only for add= ing or summing numbers.  You can add negative numbers which means you can subtract from= the M function as well.
®M =3D Puts any displayed number in= to memory M
RM =3D Recalls any numbers that are= in the M Memory
M+ =3D Adds any displayed number into the M Memory
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Use the M register to add 14, 22.5, 35, 57.65, sub= tract 100 and recall the fin= al answer;
The M Memory Registers Continued Page 2
Use the M register to add 14, 22.5, 35, 57.65, sub= tract 100 and recall the fin= al answer;
 14 ®M Display 14.00 Stores 14 into  M  Register
 22.5 M+ Display  22.50 Adds 22.5 to the M Register
 35 M+ Display 35.00 <= /span>Adds 35  to the M Register
 57.65 M+ Display 57.65 Adds 57.65 to the M Register
 100. +/- M+ Display – 100.00 = Adds – 100.00 to the M Register
Then Recall M Register RM Display <= /span>  29.15  The Answer
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Using Number Registers
Numbers Registers are the memory registers that you will probably use the most often.  The only problem with number registers= is remembering where you stored the numbers.
You can use the numbers registers from 0 to 9 which is 10 registers.
You can use the numbers registers from 0 to 9 which is 10 registers.
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The 10BII Makes Using The Memori= es Easier and More Functional
=
nYou can save numbers = to any of these registers then combine any or all of the contents of the registers.  More, you can add= and save to the same register more easily than in the past.
nTry storing 40 in register 1 th= is is the keystroke
n 40 = STO 1 40 is stored in R1
nIf you want to add 50= to that register you do the following;
n 50 STO + 1
n RCL 1 and you will see  90
n
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You Can Subtract From The Storage Registers
You store 100 in Register= 1 (R1) you want to subtract 35 from that register. 
Keystroke; 100 STO 1
  35 STO -= 1
You should be able to RCL storage Register 1 (R1) and find the sum of;
RCL 1 65
65 would be the proper answer.
 
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Multiplication is Possible in The
Memory Registers of 0 to 9
=
nYou need to multiple = 28 by 36 in Register 3 (R3)  your keystrokes will look like this; =
n
n 28 = STO 3 28 is stored in R3
n 36 STO X 1 R= 3<= /span>
n RCL 3 and you will see  1,008
n
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Division is Possible The
Memory Registers of 0 to 9
=
nYou need to multiple = 28 by 36, and then divide by 6  in <= span style=3D'font-size:90%'>Register 3 (R3)  your ke= ystrokes will look like this;
n
n 28 = STO 3 28 is stored in R3
n 36 STO X 3 (1,008 is now in R3) = ;
n    6 STO ÷= 3 (168 is now in R3<= /span>)
n RCL 3 and you will see  168 <= /div>
n
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Clearing the Calculator
The following keys erase typing mistakes, entire numbers, or even lists or sets of data.
  Key Strokes Description
Backspace; erases character= left of cursor
   Clear:  clears the calculat= or line. <= /span>
  
C
C=
C ALL<= /span>
Clears all the Registers and Memories
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Arithmetic Functions  Reciprocals
nReciprocals ar= e the opposite, or a number divided into 1.  This is a handy  function if you are looking for the opposite number, or you initiative an incorrect function.
n  
nSuppose you wanted to divide 100 by 2 and you accidentally keyed in 2 ¸100
nThe answer  you were looking for was 5= 0, the answer you got was 0.02 – t= he reciprocal is 50 you could press 0.02
n 1/X  a= nd get 50. 
1/X
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HP 10B II - Rooks
33
Reciprocals are Handy With  Gross Rent
Multipliers and Capitalizations= Rates
nIf you have a capitalization ra= te of 8%, the reciprocal of that capitalization rate would be a gross rent multiplier.  Visa versa works too.
nYour Net Operating Income is $7= 8,000 and your capitalization r= ate is 8% - $78,000 ¸ 8% =3D $975,000, the buildings estimated value.  If you press 0.08 and 1/X your will get 12.50  That is the g= ross multiplier of the NOI to com= e up with a value of $975,000, or $78,000 X 12.50 =3D $975,000.
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