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Infinity powerOne Finance 5 for Handhelds (21450) for PC

1. Key Display Comments C CE Tap twice to clear the display 27 27 ENT 27 00 3 3 ENT 3 00 30 00 8 5 8 5 ENT 8 50 x 255 00 The following keys can be used to interact with the calculator Character Function Character Function 0 Zero lt back gt Backspace 1 One c or lt back gt C CE 2 Two Add 3 Three Subtract 4 Four X or Multiply 5 Five Divide 6 Six ENT or lt return gt Enter 7 Seven s Windows only Store to memory 8 Eight r Windows only Recall from memory 9 Nine f Windows only Shows function list or Decimal Pt n Sign e Exponent 1 2 1 1 Display A 300 A View Window number display area B Status Indicators O 1997 2005 Infinity Softworks Using the Calculator 6 Shift Indicator Standard Palm OS Graffiti shift indicator Palm OS only e Clear Clear serves two functions in this mode Selecting it once displays the clear indicator and clears only the number currently being entered Selecting it the second time clears the entire calculation If the status indicator clear appears the currently entered number has been cleared Deg Rad Whether calculator is in degrees or radians mode e RPN Currently in order of operations input mode 1 2 1 2 Stack There are special functions for manipulating the stack These functions can be reached by choosing the category Stack from the function
2. Example A lunch bill for four friends is 45 With a 15 tip what is the total bill amount how much should each person contribute Variable Enter Comments Tap the Clear button Sets the display to its default values Bill 45 Tip 15 People 4 Select in the Tip and Total rows to calculate the tip amount and total amount respectively and select in the Ttl Person row to calculate the amount per person The total is 51 75 and each person should contribute 12 94 4 5 4 8 Volume This template is for Volume conversions It is in the Convert category For information on accessing this template see the Templates Accessing section For more on using templates in general see the Templates Using the Templates section 1997 2005 Infinity Softworks 73 powerOne Finance Variables e Type 1 the unit type to convert from Amount 1 the amount of the first type Type 2 the unit type to convert to Amount 2 the amount of the second type Example fT Volume Template Options Help Type 1 Gallons Amount 1 2 Type 2 Liters Amount 2 7 570823568 Done Clear For athletics the coaches suggest drinking 2 gallons of water a day How much water is this in Liters Variable Enter Comments Tap the Clear button Sets the display to its default values Type 1 Gallons Choose from the list Amount 1 2 Type 2 Liters Cho
3. 4 4 2 Interface Overview All templates are similar in design The template itself is broken into 3 columns the first describes the variable the second is the variable s data and the third indicates which variables can be calculated To use any template enter the known variables by selecting the Data column and entering each If a table of data is required choose or create one by selecting the label for that variable To calculate the unknown variable select the button on its row For details not noted here and examples on how to use individual templates see the desired template in the Included Templates section A Template Notes select this button to display notes about gt the template Notes generally describe what the template is T Tip E O used for a description of each variable and any special Template Options Help A template instructions B Method Select B Variable Label describes the variable s contents i Generally the label is nothing more than a text description but c sometimes labels can be selected Labels that can be selected Total 0 00 D are surrounded by a dotted border and exist for one of two reasons People 1 e Select a Table some templates use a table See the TtliPerson Using the Templates Types of Variable Data section for more information on selecting and using a table Change the Data View some variable s can be entered or viewed in multiple ways For example the vari
4. options See the appropriate Input Modes section for more on which functions are available in each mode See the Memory Storage Memory Locations section for more on recall and store E Buttons OK saves changes while Cancel throws out changes returning to My Data To enter notes about the data item select Notes Included Constants Function Display Value Speed of Light c 299 792 458 m s Exponential cannot be edited e 2 71828182846 Elemental Charge ec 1 60217646E 19 C Gravity Acceleration g 9 80665 m s Gravity Constant G 6 67259E 11 m kg s Coulomb k 8 987 551 787 37 Electron Mass Me 9 10938188E 31 kg Proton Mass Mp 1 67262158E 27 kg Neutron Mass Mn 1 67492716E 27 kg Avogadro s Number NA 6 02214199E23 mol Pi cannot be edited pi 3 14159265359 Universal Gas Constant R 8 314472 J mol K not available in order of operations and chain input modes The constant Tolerance is also available Tolerance is used for derivative second derivative function maximum and function minimum when the tolerance is not included in the mathematical function if available It defaults to 0 0001 1 4 1 3 Sharing Data This section discusses sharing data Export Beam Palm OS export beam data e Select the data to share e Choose Export Beam from the list if the data can be shared If it cannot be shared this option does not appear Export Beam Options appears e Sele
5. 1997 2005 Infinity Softworks Using the Calculator 20 Pocket PC The data is synchronized each time the sync icon is selected in the desktop version of the software See the Using the Calculator Interface Overview Display section for more information 1 4 2 Data Update Service Infinity Softworks powerOne Data Service offers updated data from the Internet This data updated multiple times throughout the day can be used in both the calculator and in the templates An example of an item included in powerOne Data Service is currency exchange rates With this Service log on multiple times per day to keep your rates up to date For more information about signing up for the data update service go to www infinitysw com dataservice 1 4 3 Memory Locations There are 10 memory locations available Memory locations can be accessed one of two ways depending on the skin In some skins select MEM and either Store or Recall In other skins select RCL or STO or r or s buttons See the Using the Calculator Interface Overview section for information on accessing these locations The same memory locations are available in the main and pop up calculators When storing the contents of the entry line view window will be stored to the selected memory location Only the visible value in the view window is stored When recalling the value will be placed in the entry line at the current cursor position When
6. 65 powerOne Finance Car Loan Amortization 1 How much interest was paid for the first payment Assumes you are currently in the TVM template Button Control Enter Comments Amort Goes to the amortization template Interest Choose Interest from the data display 1 or 2 pop up list Interest for the first period is 78 13 This is negative because it is part of the payment which is a cash outflow Car Loan Amortization 2 How much principal was paid for the first year if the car was purchased in January Assumes you are currently in the TVM template Variable Enter Comments Amort Goes to the amortization template Period Select the amortization view in the top right hand corner Beg Period 1 End Period 12 Compute by selecting next to Beg Balance The principal paid for the first year is 2196 29 This value is negative because it is part of the payment which is a cash outflow Retirement Annuity With 35 years until retirement and 15 000 in the bank it is time to think about savings How much would have to be put aside at the beginning of each month to reach 2 5 million if an interest rate of 10 can be expected Variable Enter Comments Tap the Clear button Sets the display to its default values Pmt Timing Begin Choose from the list Present Val 15 000 Negative because cash out of hand Future Val 2 500 000 Positive beca
7. 4 1 5 returns false 1997 2005 Infinity Softworks 135 powerOne Finance 6 lt 5 returns true 5 8 29 Not Equal valueA lt gt valueB valueA valueB Returns true if valueA does not equal valueB Data Types boolean integer floating point date Category bool Input Modes solver Examples 5 l 6 returns true 5 3 15 returns false 5 9 O Q This section covers functions beginning with the letters O through Q 5 9 1 Occurrences countx datalist Returns the total number of data points contained in a list e datalist a list containing values used in the calculation Data Types table Category stats Input Modes solver Examples countx 1 2 3 4 5 returns 5 countx datalist occlist Same as above except e occlist a list the same size as datalist containing the number of occurrences of each corresponding value in datalist Note that if occlist is not provided for functions that take occlist as an optional argument the function treats each entry in datalist as a single occurrence Data Types table Category stats Input Modes solver Examples countx 1 2 3 4 5 1 returns 5 countx 1 2 3 4 5 2 4 4 6 6 returns 22 O 1997 2005 Infinity Softworks Functions 136 5 9 2 Or valueA valueB Returns true if valueA is true or valueB is true Data Types boolean Category bool Input Modes solver Examples
8. 5 gt 4 returns false 5 6 16 Exponent value E exponent Used to make value times 10 raised to exponent where exponent is an integer whole number value 10exponent must lie between 1E 308 and 1E308 inclusive Data Types integer floating point Category number Input Modes solver RPN order of operations chain O 1997 2005 Infinity Softworks Functions Examples 5E3 equivalent to 5000 314 E 2 equivalent to 3 14 5 6 17 Exponential exp value Returns e raised to the value power Data Types integer floating point table Category math Input Modes solver RPN order of operations chain Examples e Solver Input Mode e 4 returns 54 5982 e 6 85 returns 943 8809 e Order of Operations and Chain Input Modes 4 e returns 54 5982 6 85 e returns 943 8809 e RPN Input Mode 4 e returns 54 5982 6 85 e returns 943 8809 5 6 18 Factorial fact value Returns factorial of value where 169 lt value lt 170 Data Types integer positive numbers only floating point table Category prob Input Modes solver RPN order of operations chain Examples e Solver Input Mode fact 6 returns 720 e Order of Operations Chain and RPN Input Modes 6 returns 720 5 6 19 Floating Point Convert To tofloat value Returns a floating point number by converting value 116 1997 2005 Infinity Softworks 117 powerOne Finance Data Types boole
9. powerOne Finance Version 5 1 O 1997 2005 Infinity Softworks www infinitysw com 2 4 2005 l powerOne Finance Table of Contents Part Using the Calculator 1 1 Interface OVERVIEW oinaan nan aAA AAR N aAA AAE ANAA RANAR ARANA AANRAAI A 1 Display asses stscceccnsatasesctactecatcsaccedabadstesasaedsacnsacensadsnadsscctenatenccud sages iocdvsetsacsasesesudbuassendunsacadincssaouisacetaccinasttadeaatneses 1 Skins APP 2 Pop Up CalCuUlatot cio E EEE E A 3 2 IMNputModes 200 id T 4 RPN Mod iii dl atan 4 Display edson a EDEA Raana AREE aeaa Ao e EEEE 5 SHACK ciinsaniia nani ta aeri AEEA E iA arda A inisa it il o dad 6 ANE E A 6 FUNCIONS aint ia ollo tacto 6 Order of Operations Input Mode iia nctndiNadancest 7 O 9 o icehez ates A AET 9 FRUMIGHOMS iria nicol pica 10 Chain Input Modenan iia 11 DISPIay Cauisicncinn AE aSa rarnana AAAA aitaa a ra nn AEA AEA aaa aeaaea AEETI AES 12 AEE E AAE E A E A E E E E E TE E 12 A spririt RO 12 A A cenannuneusta ss Ae Aea aiaa EAE EAEn 13 GAlG Tab reisestecadecesscecesvascxatcxveversncssccdvcoucctsestesotcyseceseccescvducetscccesceasssises0sssieeas AAR davecepeausasssescsessvaccavievvneeiverdes 14 BLU Tab ea 15 A Memory amp Storage iii ici 16 My Data O NS 16 Vaflables untada das 16 CONStaNts raricnsiat nbsiyeand agi ghtvicctacdav assy sity bed autd ep chases oncavieateanay nite viaed apt ataca 17 SAA Data Aia 18 Synchronizing Dala assinar a i riar T
10. 17 powerOne Finance Generally variables are entered from My Data Select New for New Data a new variable Select a variable from the My Data data list and choose Edit to edit a variable A Name variable s name The name consists of letters capital or lower case and optionally numbers 0 9 A name cannot start with a number Note that the name is case sensitive meaning that variable abc is different from variable ABC See the Appendix Restricted Data Names section for names that should not be used B Value variable s value Values can be entered either as a number e g 3 5 or as an expression e g 3 5 516 If entered as an expression it will be evaluated before storing For instance if 3 5 5 6 were entered that variable would be stored as 54 687 5 C Constant whether the variable is a constant or not For variables the Constants checkbox is unchecked D Keypad keypad for easy entry RCL displays the memory location list f x displays the list of functions organized by category This is the same as the main calculator s list except category MEM is added memory store recall and clear options See the appropriate Input Modes section for more on which functions are available in each mode See the Memory amp Storage Memory Locations section for more on recall and store E Buttons OK saves changes while Cancel deletes changes returning to My Data To enter notes about the data ite
11. Example F Sum Template Options Help Done Clear You have four expenses 315 44 21 and 38 What is the total amount for the expense report Variable Entry Comments Clear Sets the display to its default values 1 315 2 44 3 21 4 38 The Sum calculates automatically It equals 418 1997 2005 Infinity Softworks Templates 62 4 5 4 4 Temperature This template is for Temperature conversions It is in the Convert category For information on accessing this template see the Templates Accessing section For more on using templates in general see the Templates Using the Templates section fT Temperature E m Template Options Help Variables Type 1 Fahrenheit e Type 1 the unit type to convert from Amount 1 85 e Amount 1 the amount of the first type Type 2 Celsius e Type 2 the unit type to convert to Amount 2 29 444444444444 e Amount 2 the amount of the second type Done Clear Example If the temperature is 85 degrees Fahrenheit what is the equivalent in degrees Celsius Variable Enter Comments Tap the Clear button Sets the display to its default values Type 1 Fahrenheit Choose from the list Amount 1 85 Type 2 Celsius Choose from the list Select in the Amount 2 row to calculate may calculate automatically It is 29 4 degrees Celsius 4 5 4 5 Time This template is for
12. Percent And Parentheses Division Division Semi Colon Or Addition Sign Less Than Less Than or Equal To Not Equal Equals Equals Greater Than Greater than or Equal To Power Backspace Square Root Cubed Root Root Reciprocal Power of 10 Absolute Value Arc Cosine Hyperbolic Arc Cosine Adjust Date Adjust Time 1997 2005 Infinity Softworks Functions AmEndBal AmSumint AmSumPrn angle ArmEndBal ArmSumint ArmSumPrn asin asinh atan atanh BondA BondP BondY cbrt CE C ceil CfoCount CfolRR CfoMIRR CfoNFV CfoNPV CfoNUS CfoPbk CfoProf CfoTot choose Clear countX cos cosh cot csc dDays degs degrees DepDBBV DepDBDA DepDBDV Amortization End Balance Amortization Interest Paid Amortization Principal Paid Rectangular to Polar Conversion ARM Amortization End Balance ARM Amortization Interest Paid ARM Amortization Principal Paid Arc Sine Hyperbolic Arc Sine Arc Tangent Hyperbolic Arc Tangent Bond Accrued Interest Bond Price Bond Yield Cubed Root Clear Ceiling Count Internal Rate of Return Modified Internal Rate of Return Net Future Value Net Present Value Net Uniform Series Payback Profitability Index Total Choose Memory Occurences Cosine Hyperbolic Cosine Cotangent Cosecant Difference Between Dates DMS to Degrees Conversion Radians to Degrees Conversion Declining Balance Depreciation Declining Balance Depreci
13. Variable Enter Comments Tap the Clear button Sets the display to its default values Pmt Timing Beg Choose from the list Future Val 0 Payment 2 400 Intrst Yr 18 00 Periods 47 4 years at 12 per year less 1 advance payment Periods Yr 12 Cmpnds Yr 12 1997 2005 Infinity Softworks 69 powerOne Finance Select 2 in the Present Val row to calculate Calculating shows present value equal to 81 735 58 Recall this to the pop up calculator and save it to memory Part 2 Present Value of the buy option continued Variable Enter Comments Future Val 15 000 Payment 0 Periods 48 Select in the Present Val row to calculate Calculating shows present value equal to 7 340 43 Part 3 Calculate continued Recall the present value to the pop up calculator by selecting the Present Value s amount Add it the present value of the payments stored in memory and 2 400 for the advanced payment The answer is 91 476 00 O 1997 2005 Infinity Softworks Templates 70 4 5 4 6 1 Amortizations The amortization screen displays period by period information Included information is beginning and ending balances payment interest and principal amounts There are two amortization views table and period Amortization Table View Options The table view set by choosing Table from the pop up list in the Table y top right corner displ
14. 02 BasePay 04 no quotes for the equation e equals is on the right side of the keypad e parentheses are on the right side of the keypad next to multiply e if less then or equal to lt and greater than gt are available by selecting f x then bool e Semi colon is on the left side of the keypad below f x 6 Select OK to finish The profit sharing template should be visible Calculate NetPay Net Income is 700 000 7 Enter 3 000 for base pay e select 0 next to BasePay e enter 3000 in the pop up calculator using the keypad e select the save y button 8 Enter 700 000 for net income e select O next to NetPay e enter 700000 in the pop up calculator using the keypad e select the save Y button 9 Calculate the monthly payment e select the button on the same line as NetPay e the net pay is 3 000 Calculate NetPay Net Income is 2 000 000 1997 2005 Infinity Softworks Templates 80 10 Enter 2 000 000 for net income e select 700 000 next to NetPay e enter 2000000 in the pop up calculator using the keypad e select the save y button 11 Calculate the monthly payment e select the button on the same line as NetPay e the net pay is 3 060 Calculate NetPay Net Income is 10 000 000 12 Enter 10 000 000 for net income e select 2 000 000 next to NetPay e enter 10000000 in the pop up calculator using the keypad e select t
15. Finance 10 R Modulo Division M ltiplhicati i siciiecicssciicetscccsesstenstcsisaceudesdescircnaicaceacccnsduiuacadduasiabincenssapiaiacssiatsoncesdseaativoasaddcueciacaecdsthaceaesasnatsudeuadsedai Natural L garithM sciscstsctscecnstipccascsssedencsecesteivaieavacteccensadenacussuswaccadeicsest stuseadissnessausuebdessssvavaease sasi seadsaasecueisaiivennenas 133 Net FUTUTO ValUG iscsiictecccscccsscscessicanssesnceicesecnscacscacracnctsusrscasesaisvancascccsessanacstsasdocdisacteadicosissacudaccestouaisadsecsscucssaneiedaesaa 133 Net Present Value icssccsicscccscssssceastcosssvacssesuestonssacssactcencssadeasuacsusnedtuadbucsassdsactscatesscssaasveddesdbssassedeuceabadsadeeaessencsendenasnenan 134 Nominal Interest Rate iiccccticstsciscssssacccdcectstcnscacisaccsscansateaadscsatssatsaccnssancsiacsesabssncusdsesddbeoaseadeucasdeancctaasivacseenchsuasvainesd 134 A 134 Ly Le ds 1 1 UNION O 135 wou E E E A E EE E E E E E E A 135 E 135 AAA 136 Parentheses iaa 136 Payback Percent Periods Permutations ono a 138 Polar to Rectangular Conversi n sac coiicininii ac 138 Power Power of 10 Present Value a 140 Product ea 140 Profitability IAGO i cicccticcececnsaicccccscdsseseuececesanssccansctecuensadeuatucsdsnnaccadecevessdscussddessnctsndenasdesauseabsedeuceasassasivaascenctsnstiennsvas 141 Ann A E E A ET 141 RIKKE ITEN gtl ZE nAn E P EEE E EE E oa 142 Quotation Marks A a 143 A A See gt oREE ERED EDE oer Ens
16. e Data entry only numbers Booleans Integers and Floating Point Numbers can be entered into a template although dates dd mmyyyy and times hh mmssmmm can be entered in number formats Other data types can be used in the equation but cannot be entered Multiple equations templates are designed to work with single equations only although multiple equations can be derived by using choose if and solving in the equation See the Templates Creating Templates Examples section for more information Buttons there is no mechanism for creating buttons next to Done and Clear e Pop up Lists there is no mechanism for creating pop up lists 4 6 4 Examples This section includes examples for creating custom templates From time to time Infinity Softworks posts supplemental materials on its web site See product support at www infinitysw com finance for additional examples 4 6 4 1 Inflation This example demonstrates template creation basics The Example The equation for inflation is 1997 2005 Infinity Softworks Templates 76 FutureVal PresentVal 1 Inflation 100 Years where FutureVal is the future amount PresentVal is the present amount Inflation is the rate entered as a percentage 4 instead of 04 Years is the number of years between PresentVal and FutureVal The problem to calculate if a pool costs 5 000 what is the expected cost 5 years from now if the inflation rate is 4 Creatin
17. 116 22 117 128 130 124 147 148 117 117 30 43 86 128 12 12 10 59 63 118 17 120 118 119 119 119 118 119 31 4 7 11 17 17 119 120 120 86 120 hms Home and Shopping Home Loan HotSync hrs Hyperbolic Arc Cosine Hyperbolic Arc Sine Hyperbolic Arc Tangent Hyperbolic Cosine Hyperbolic Sine Hyperbolic Tangent l i i Square Root of 1 If imag Import Included Constants Included Templates Infinity Inflation Input Mode Input Mode Button Integer Convert To Integer Part Integers Integral Interest Interest Per Year Interest Rate Internal Rate Of Return IntNom Invalid array dimensions Invalid data type Inverse Cumulative Normal Distribution Investing invNorm iPart Iteration limit exceeded J Justified K k 119 86 77 19 33 119 121 121 121 122 122 122 17 17 123 138 18 32 17 34 158 75 14 3 123 123 123 22 124 70 43 59 63 124 43 125 134 158 158 125 86 125 123 158 31 164 1997 2005 Infinity Softworks 165 powerOne Finance Keyboard Keypad a Last Last Template Button Icm Leasing and Lending Least Common Multiple Length Less Than Less Than or Equal To Life In log Logarithm Make Date from Decimal Format makedate Margin Markup Mass Mathematics Matrix is singular Maturity Date Max Maximum Function Me Mean Median MEM Memory Memory access error Method min Mi
18. 4 5 returns 1 min 1 2 3 4 5 3 6 2 1 8 returns 1 2 2 1 5 5 8 20 Minimum Function fMin expression variable lower upper Uses an iterative method to determine the value of an independent variable for which the local minimum of an expression occurs The possible values for the independent variable are limited to a range bracketed by the provided upper and O 1997 2005 Infinity Softworks 131 powerOne Finance lower limits This function uses the tolerance constant expression the expression to analyze Must be in quotations variable the independent variable within the expression Must be in quotations lower lower limit of the range to analyze upper upper limit of the range to analyze Category calc Input Modes algebraic Examples fMin x 2 x 3 3 returns 0 0001 fMin expression variable lower upper e Same as above except e e tolerance This is optional If it is not included it defaults to 10 Smaller values may lead to greater accuracy but will cause the calculation to take longer to complete Category calc Input Modes algebraic RPN Examples e Algebraic Input Mode fMin x 2 x 3 3 0 5 returns 0 0001 e RPN Input Mode x42 ENT x ENT 3 ENT 3 fMin returns 0 0001 5 8 21 Modified Internal Rate of Return CfoMIRR I CFAmntList Returns the modified internal rate of return of the given cash flow This function is only av
19. Data Types integer floating point date 1997 2005 Infinity Softworks 127 powerOne Finance Category bool Input Modes solver Examples 1 lt 0 55 returns false 1 lt 5 returns true 1 lt 1 returns false 5 8 12 Logarithm log value Returns the base 10 logarithm of value Data Types integer floating point table Category math Input Modes solver RPN order of operations chain Examples e Solver Input Mode log 4 returns 0 6021 log 78 36 returns 1 8941 log 89 53 6 42 76 21 returns 1 9494 1 7243 0 7782 1 6232 1 8808 1 3222 e Order of Operations and Chain Input Modes 4 log returns 0 6021 78 36 log returns 1 8941 e RPN Input Mode 4 log returns 0 6021 78 36 log returns 1 8941 5 8 13 Make Date from Decimal Format makedate dd mmyyyy This function can only be used within a formula the returned value cannot be viewed in a template Converts a date into a date type representing the inputted date Data Types integer floating point Category date Input Modes solver Examples makedate 1 082003 returns 8 1 03 12 00 am makedate dd mmyyyy hh mmssmmm This function can only be used within a formula the returned value cannot be viewed in a template Converts a date and 1997 2005 Infinity Softworks Functions 128 time into a date type representing the inputted date Data Types integer floating point Cate
20. Ke des 153 110 134 135 143 78 80 115 137 96 136 132 110 113 139 151 105 10 1 Var Stats 1 Variable Statistics 1Yr 2 Var Stats 2 Variable Statistics 30 360 About powerOne abs Absolute Value Accrued Interest acos acosh ActiveSync Actual Actual 360 Actual 365 Addition adjdate adjtime 136 92 126 126 135 115 119 120 139 36 36 70 37 37 30 40 92 145 92 40 96 121 19 33 30 40 30 30 92 93 93 1997 2005 Infinity Softworks Index Adjust Date Adjust Time Adjustable Rate Mortgage End Balance Interest Paid Principal Paid AmEndBal Amortization End Balance Interest Paid Period Principal Paid Table Amount AmSumint AmSumPrn And Angle Annuity Due Arc Cosine Arc Sine Arc Tangent Area Area and Volume ARM End Balance Interest Paid Principal Paid ArmEndBal ArmSumint ArmSumPrn asin asinh atan atanh Auto Compute Avogadro s Number Backspace Beam Begin Balance Period Bond Accrued Interest Bond Price Bond Yield BondA 93 93 98 98 99 101 98 63 93 98 94 99 70 95 101 70 43 48 94 95 96 96 63 96 97 97 40 86 98 98 99 101 93 99 101 97 121 97 121 30 17 103 18 32 63 70 70 103 104 104 103 BondP BondY Book Value Boolean Convert To Booleans Braces Button Tab Cc Calc Tab Calculation Log Calenda
21. Returns list of floating point numbers derived by evaluating the expression with regard to variable Same as above except e step how often to evaluate between begin and end If end gt begin step must be negative This is optional If step is not included default is 1 If there are not an exact number of increments in the range then the last value calculated will be just before the end value Category stats Input Modes solver Examples seq a 2 a 1 11 3 returns 1 16 49 100 or 112 4 2 7 2 1042 5 11 4 Show show Shows all available decimal places Data Types integer floating point Category number Input Modes RPN order of operations chain 5 11 5 Sigma sigma expression variable begin end Returns the sum of values derived by evaluating the expression with regard to variable expression expression to evaluate Must be in quotations variable variable within the expression to evaluate Must be in quotations begin point to start incrementing end point to stop incrementing Category stats Input Modes solver Examples sigma a 1 a 1 5 returns 15 or 1 2 3 4 5 sigma expression variable begin end step Returns the sum of values derived by evaluating the expression with regard to variable Same as above except e step how often to evaluate between begin and end If end gt begin step must be negative This is optional If step is not included default is 1 If there
22. SA NO 116 Factorial A a 116 Floating Point Convert To siniinariaiciineraninarcn iria iii anidan 116 Ed E E ee ee E ee 117 Fractional Part nea 117 Future Val e ion a 118 TAG AH a la li ia dd 118 Get Date in Decimal Format scsssssssssssssssssesnsessssssssssessseseaeaeanacsessesseesessscauacaeaesssesseseseseanauanasseseeessesennanananaes 118 Get Hours in Decimal Format sscsssssssssssssssesssesssessssessssseseaeseaeacsessessseseseseanacaeaesesenseseseseananaeassesenessenesnseananass 119 Get Hours in HH MMSS Format s sssssssssssssssscsnscsssesssssssssssseaeanauacsessessssseneseanacaeaessensessseseananaeasseseessssssssseananass 119 Get Time in Decimal Format scscssssssssssssessssesnscsssessssssssessseseseauacsessessssseseseanacaesesssesseseseseauaeaeassesenessesensseananass 119 LE A LP A En E E A E AEE E E 119 Greater Than Or Equal T s 2cnccicicieteccsntseccectccteceveccctcentertzenssderdensben shades eaudeeey ct feccests reaedbeacesiezanrsteenersiescescnececsueteaerccese 120 Greatest Common DENOMINATOR cise ccccsscessceicenscesccesencdscsesoctesociscerenesesoszsnstcaveascessanesibeseneiavessacessontvasesauessibcrssenieeses 120 Hist ry AN 120 Hyperbolic Arc GOSiin siciciniricinic ii ccusstpeccsucssavcacsaneviessnecececuseerscudueevieedesas 121 Hyperbolic Arc Sine il 121 Hyperbolic Arc Tangent sccciccccisciscosssecccdcectsacissacssaccaceansadeaadsssetesabiacenssesssiacsscabssncssaceaddaconseadeucaiccs
23. algebraic RPN Examples e Algebraic Input Mode quartile3 1 2 3 4 5 1 returns 4 quartile3 1 2 3 4 5 2 4 4 6 6 returns 5 O 1997 2005 Infinity Softworks 143 powerOne Finance e RPN Input Mode 1 2 3 4 5 ENT 1 quartile3 returns 4 1 2 3 4 5 ENT 2 4 4 6 6 quartile3 returns 5 5 9 16 Quotation Marks wow Quotation marks are used to denote text strings Certain functions such as solving fhInt and nDeriv require text strings Category calc Input Modes solver 5 10 R This section covers functions beginning with the letter R 5 10 1 Radians to Degrees Conversion degrees value Returns degrees equivalent of value radians Data Types integer floating point table Category trig Input Modes solver RPN order of operations chain Examples e Solver Input Mode degrees 2 pi returns 360 e Order of Operations and Chain Input Modes 2 pi degrees returns 360 e RPN Input Mode 2 ENT pi degrees returns 360 5 10 2 Random Integer randint lower upper Returns a random integer from a discrete uniform distribution with the specified bounds lower lt random number lt upper e lower lower limit for the random integer Must be an integer e upper upper limit for the random integer Must be an integer larger than lower Category prob Input Modes solver Examples O 1997 2005 Infinity Softworks Functions 144 r
24. population variance of y values commonly denoted o Sum Y sum of y values Sum Y sum of squared y values Min Y minimum y value Max Y maximum y value Range Y difference between minimum and maximum y values Sum XY sum of x times y values Method regression method See details below a regression y intercept b regression slope r simple correlation coefficient r coefficient of determination X predicted x value Y predicted y value Regression Models In general it is always best to have as much data as possible when curve fitting Linear y ax b Log natural y a b In x for x gt 0 Log base 10 y a b log x for x gt 0 Exponential y ab x Power y ax b Example Given the following data F 2 Var Stats Template SE Options Help Data Occ Mean x Std Dev XS Std Dey X p Var X S Var X p Sum X Sum X Min X Max X Range x Mean Y Std Dev Y s Std Dev Y p Var Y s Var Y p Sum Y Sum Y Min Y Max Y Range Y Sum XY Table 8Rx3C 8 11 375 11 312919289783 10 582267006648 127 98214285714 111 984375 91 1 931 1 30 31 211 75 193 76476902235 181 25034482726 37 544 76571429 32 851 6875 1 694 621 518 10 540 530 34 592 Linear 17 103669596763 17 195758336822 0 998594505511 0 997190986436 ao 0 Done Clear O 1997 2005 Infinity Softworks 39 powerOne
25. rrot sec seq show sigma sign sin sinh solving sqrt stack stdDev stdDevP STO Maximum Mean Median Minimum Memory Modulo Division Stack Combinations First Derivative Second Derivative Normal S Distribution Permutations Product Degrees to Radians Conversion Random Number Random Integer Memory Memory Polar to Rectangular Conversion Round Root Stack Stack Secant Sequence Evaluation Show Sigma Evaluation Sign Sine Hyperbolic Sine Solving Square Root Stack Standard Deviation Standard Deviation Population Memory 90 1997 2005 Infinity Softworks 91 powerOne Finance Store sumX sumX2 swap tan tanh toBool today toFloat tolnt TvmFV Tvml TvmN TvmPmt TvmPV USFV USPV variance varianceP weekDay Xx x x xth root x y Memory Sum of X Sum of X squared Stack Tangent Hyperbolic Tangent Boolean Convert To Today Floating Point Convert To Integer Convert To Future Value Interest Rate Periods Payment Present Value Uniform Series Future Value Uniform Series Present Value Variance Variance Population Day of the week Multiplication Factorial Square Root Power 1997 2005 Infinity Softworks Functions 5 4 A B This section covers functions beginning with the letters A through B 5 4 1 Absolute Value abs valueA Returns absolute value of valueA Data Types integer floatin
26. 1 2 3 returns list 1 2 3 1 2 3 returns list 1 2 3 1 2 3 4 returns table 1 2 3 4 5 5 C This section covers functions beginning with the letter C 5 5 1 Ceiling ceil value Returns the smallest integer greater than or equal to value Data Types integer floating point table Category number Input Modes solver RPN order of operations chain Examples e Solver Input Mode ceil 4 5 returns 5 ceil 4 5 returns 4 ceil 15 2 22 8 25 89 9 returns 15 22 9 89 1997 2005 Infinity Softworks Functions 106 e Order of Operations and Chain Input Modes 4 5 ceil returns 5 4 5 ceil returns 4 e RPN Input Mode 4 5 ceil returns 5 4 5 ENT ceil returns 4 5 5 2 Choose choose index expression1 expressionN Uses index to pick one of the expressions following index then returns the value of the picked expression index can be a number or an expression as long as the expression can be evaluated where 1 lt index lt number of expressions supplied Category bool Input Modes solver Examples choose 332 5 4 5 six 7 returns 4 2 2 3 5 4 5 six 7 returns 15 2 3 5 4 5 six 7 returns six 3 5 4 5 six 7 returns 2 where A is a variable equal to 1 3 52 3 choose 15 3 choose choose A 2 5 5 3
27. 11 5 what is the APR Part 1 Calculate the actual monthly payment Variable Enter Comments Tap the Clear button Sets the display to its default values Pmt Timing End Choose from the list Present Val 60 000 Future Val 0 Intrst Yr 115 Periods 360 30 years at 12 periods per year Periods Yr 12 Cmpnds Yr 12 Select in the Payment row to calculate Calculating shows payment equal to 594 17 It is negative because it is a cash outflow Part 2 Calculate the APR continued Variable Enter Comments Present Val 58 800 The loan amount less 2 in fees Calculate in the input screen with 60000 x 02 60000 Select in the Intrst Yr row to calculate Calculating shows interest per year equal to 11 76 Present Value of a Lease with Advance Payments and an Option to Buy With a lease often there is an amount to be paid up front and an option to buy at the back end A company is leasing a machine for 4 years Monthly payments are 2 400 an additional 2 400 payment at the beginning of the leasing period replaces the final payment The leasing agreement includes an option to buy the machine for 15 000 at the end of the leasing period What is the capitalized value of the lease assuming that the interest rate paid to borrow the funds is 18 compounded monthly Part 1 Find the present value of the payments
28. Clear CE C CE C performs two different clear functions If a number is currently being entered selecting CE C clears the current entry If a mathematics symbol equals or enter has been selected clear clears the current calculation Category not applicable Input Modes solver RPN order of operations chain Clear See Memory for additional information 5 5 4 Combinations nCr n r Returns the number of combinations of n taken r at a time n r must be integer values where r lt n 0 lt n r lt 170 Returned values correspond to n r n r Data Types integer floating point table Category prob Input Modes solver RPN order of operations chain Examples e Solver Input Mode 1997 2005 Infinity Softworks 107 powerOne Finance nCr 8 3 returns 56 nCr 10 11 12 2 returns 45 55 66 e Order of Operations and Chain Input Modes 8 nCr 3 returns 56 e RPN Input Mode 8 ENT 3 nCr returns 56 5 5 5 Cosecant csc value Returns cosecant of value Data Types integer floating point table Category trig Input Modes solver RPN order of operations chain Examples e Solver Input Mode csc 0 5236 returns 2 when Trig Mode Preferences set to Radians csc 30 returns 2 when Trig Mode Preferences set to Degrees e Order of Operations Chain and RPN Input Modes 0 5236 csc returns 2 when Trig Mode Preferences set to Radians 30 csc returns 2 when Trig Mode Preference
29. Finance Variable Enter Comments Tap the Clear button Sets the display to its default values Data X 1 0 7 12 4 14 25 30 Data Y 10 32 128 213 75 250 446 540 Frequency 1 Of Each Select in the Occ row to calculate may calculate automatically The following answers are returned Variable Calculated Occ 8 Mean X 11 375 Std Dev X s 11 3129 Std Dev X p 10 5823 Var X s 127 9821 Var X p 111 9844 Sum X 91 Sum X 1 931 Min X 1 Max X 30 Range X 31 Mean Y 211 75 Std Dev Y s 193 7648 Std Dev Y p 181 2503 Var Y s 37 544 7857 Var Y p 32 851 6875 Sum Y 1 694 Sum Y 621 518 Min Y 10 Max Y 540 Range Y 530 Sum XY 34 592 1997 2005 Infinity Softworks Templates 40 4 5 2 A D This section covers included templates beginning with the letters A through D 4 5 2 1 Area This template is for Area conversions It is in the Convert category For information on accessing this template see the Templates Accessing section For more on using templates in general see the Templates Using the Templates section Template Options Help Variables Type 1 Kilometers e Type 1 the unit type to convert from Amount 1 2 e Amount 1 the amount of the first type Type 2 Acres e Type 2 the unit type to convert to Amount 2 494 21076293433 e Amo
30. Inflation template should be visible 7 Make PresentVal a global variable so its data can be shared e select the menu button below the Applications button or on some devices select the title bar choose the Options menu select Variable Prefs select FutureVal next to Variable choose PresentVal check the box next to Global select OK The inflation template should be visible Creating the Expense Summary Template 8 From the Inflation template select Done 9 Select the Template button The Template button is third from the left across the top of the main calculator The Template List should be visible O 1997 2005 Infinity Softworks Templates 84 10 Select New Template near the bottom of the list 11 Enter EXP Summary no quotes for the name 12 Enter Rents Insurance Groceries Auto ENT PresentVal no quotes for the equation e equals is on the right side of the keypad 13 Select OK to finish The Expense Summary template should be visible 14 Make FutureVal a global variable so its data can be shared select the menu button below the Applications button or on some devices select the title bar choose the Options menu select Variable Prefs select Rents next to Variable choose PresentVal check the box next to Global select OK The inflation template should be visible Calculate Present Value 15 Enter 750 for the total rents e select 0 0
31. Rad Whether calculator is in degrees or radians mode e Chain Currently in chain input mode e 0 parentheses indicator The number in the middle shows the number of left parentheses that are still open i e do not have a closing right parenthesis 1 2 3 2 Preferences The following preferences are available in chain input mode See the Using the Calculator Preferences section for more information e Decimal Setting float or 0 through 11 e Display Mode normal scientific or engineering notation e Trig Mode degrees or radians 1 2 3 3 Functions Different input modes offer different functions This lists the available functions for chain input mode To learn how to see a complete list of functions organized by category see the Using the Calculator Interface Overview section To learn more about an individual function see the Functions section math 1 x log mod x 0 gcd y Pes Icm In Vx e xy number last abs sign show Part round fPart degs floor dms EE ceil 1997 2005 Infinity Softworks 13 powerOne Finance trig sin sinh sec cos cosh csc tan tanh degrees asin asinh radians acos acosh atan atanh prob nPr nCr Ix rand cnst e pi history History is a special function that displays the last 10 recorded answers Each time the equals button is sel
32. Re ae gt the annual interest rate printed on the bond and is used to o determine the coupon payment the periodic payment of interest This value is entered as a percentage For example 7 25 is entered as 7 25 Done Clear Rdmptn Val the redemption value is a percentage of the bond s par value that is paid to the owner when it is retired If the calculation is to the maturity date this value is 100 This is the standard set by HP If the calculation is to a call date this value varies The par value is the value printed on the bond itself A bond is often said to sell at a premium or discount This is reflected in the redemption value A bond that sells at a discount sells at less than par value Bonds that sell at a premium are for more than par value Yield the yield to maturity or redemption This is the rate of return to the investor based on earnings from payments of principal and interest This includes a sale at a premium or discount To calculate yield a value for price must be entered This value is entered as a percentage For example 8 385 is entered as 8 385 e Price the dollar price To calculate the dollar price a value for yield must be entered Acc Interest the accrued interest based on 100 of par value This value is calculated automatically when computing either yield or price Example A corporate bond matures on November 30 2004 with a settlement date of August 14 2004 It pays 13 coupon on a se
33. Than or Equal To valueA gt valueB Returns true if valueA greater than or equal to valueB Data Types integer floating point date Category bool Input Modes solver Examples 1 gt 0 55 returns true 1 gt 5 returns false 1 gt 1 returns true 5 7 7 Greatest Common Denominator gcd valueA valueB Returns the greatest common integer divisor of valueA and valueB where 2 lt valueA valueB lt 2 Data Types integer floating point table Category math Input Modes solver RPN order of operations chain Examples e Solver Input Mode gcd 12 63 returns 3 gca 5 10 10 4 returns 5 2 e Order of Operations and Chain Input Modes 12 gcd 63 returns 3 e RPN Input Mode 12 ENT 63 ENT gcd returns 3 5 7 8 History history Each time the equals button is selected a new history item is stored The software stores the last 10 recorded answers To recall a value from the history list to the view window select it 1997 2005 Infinity Softworks 121 powerOne Finance Category history Input Modes order of operations chain 5 7 9 Hyperbolic Arc Cosine acosh value Returns hyperbolic arc cosine of value Data Types integer floating point table Category trig Input Modes solver RPN order of operations chain Examples e Solver Input Mode acosh 74 2099 returns 5 e RPN Order of Operations and Chain Input Modes 74 2099 acosh retu
34. Variable Statistics This template is for 2 variable descriptive statistics It is in the Stats category For information on accessing this template see the Templates Accessing section For more on using templates in general see the Templates Using the Templates section Description This template calculates descriptive statistics for two variable data sets variables x and y with equal numbers of observations 1997 2005 Infinity Softworks Templates 38 Variables Data x and y data points If desired frequency of each x y data point is also available Occ common number of observations in the two data sets x data with frequency and y data with frequency must have the same occurrences Mean X mean of x values Std Dev X s sample standard deviation of x values commonly denoted s Std Dev X p population standard deviation of x values commonly denoted o Var X s sample variance of x values commonly denoted s Var X p population variance of x values commonly denoted o Sum X sum of x values Sum X sum of squared x values Min X minimum x value Max X maximum x value Range X difference between x minimum and maximum values Mean Y mean of y values Std Dev Y s sample standard deviation of y values commonly denoted s Std Dev Y p population standard deviation of y values commonly denoted o Var Y s sample variance of y values commonly denoted s Var Y p
35. e Cash Flow e Depreciation 1997 2005 Infinity Softworks 35 powerOne Finance e Interest Conv e Simple Interest e TVM Stats e 1 Var Stats e 2 Var Stats O 1997 2005 Infinity Softworks Templates 36 4 5 1 One 1 amp Two 2 This section covers included templates beginning with the number 1 4 5 1 1 1 Variable Statistics This template is for 1 variable descriptive statistics It is in the Stats category For information on accessing this template see the Templates Accessing section For more on using templates in general see the Templates Using the Templates section Description This template calculates descriptive statistics for one variable data sets Variables Data data set to analyze Occ total number of observations in the data set Mean X mean of x values Also known as weighted average Sum X sum of x values Sum X sum of squared x values Std Dev X s sample standard deviation commonly denoted s Std Dev X p population standard deviation commonly denoted o Variance s sample variance commonly denoted s Variance p population variance commonly denoted o e Min X minimum x value 1st Qrtl median point between minimum and the median values the 25th percentile The calculation for finding the first quartile uses Tukey s method which includes the median This may differ from other calculators e Median a middle value
36. e Date day month year entered as dd mmyyyy a 2 digit day 2 digit month and 4 digit year Years must be between 1900 and 3000 An example is September 27 1987 This would be entered as 27 091987 without quotation marks e Time hour minute second millisecond entered in hh mmssmmm format 2 digits each for hour minute and second and 3 digits for millisecond Hours should be entered in military time 0 23 hours For example 11 05am would be entered as 11 05 while 11 05 pm would be entered as 23 05 without quotation marks in both examples See Subject Areas Dates amp Times for more information 3 Subject Areas 3 1 Boolean See Types of Data Boolean for a detailed definition Boolean values can be used in many functions and operands that uses integers The following functions are commonly O 1997 2005 Infinity Softworks 23 powerOne Finance used specifically with Boolean values category in bold bool Ix lt gt 88 lt gt HH lt if gt choose Examples 3 5 lt 5 returns true 3 5 gt 5 returns false if 5 lt x 25 75 returns 25 if 5 is less than or equal to x otherwise it returns 75 if x gt 3 88 x lt 15 0 20 returns 0 if x is greater than 3 and less than 15 otherwise it returns 20 See the Functions section for additional information on each function 3 2 Dates amp Times See Types of Data Date for a detailed definiti
37. in the ordered data the 50th percentile 3rd Qrtl median point between the median and maximum values the 75th percentile The calculation for finding the third quartile uses Tukey s method which includes the median This may differ from other calculators Max X maximum x value e Range X difference between minimum and maximum values fT 1 Var Stats Template Data Occ Mean X Sum x Sum X Std Dev X s Std Dev Xp Wariance s Wariance p Min X 1st Orth Median 3rd Ort Max x Range X SEL Options Help Table 8Rx2C 3 7 625 61 607 4 501983689759 4 211220131981 20 267857142857 17 734375 Done Clear This template automatically calculates a weighted average when the occurrences are different for each x data point Example Given the following data Variable Enter Comments Tap the Clear button Sets the display to its default values Data Set 5 2 8 6 3 10 12 15 Frequency 1 Of Each Select in the Occ row to calculate may calculate automatically The following answers are returned 1997 2005 Infinity Softworks 37 powerOne Finance Variable Calculated Occ 8 Mean X 7 625 Sum X 61 Sum X 607 Std Dev X s 4 5020 Std Dev X p 4 2112 Variance s 20 2679 Variance p 17 7344 Min X 2 1st Qril 4 Median 7 3rd Qrtl 11 Max X 15 Range X 13 4 5 1 2 2
38. lead to greater accuracy but will cause the calculation to take longer to complete Category calc Input Modes algebraic RPN O 1997 2005 Infinity Softworks 129 powerOne Finance Examples e Algebraic Input Mode fMax x 2 x 3 3 0 5 returns 0 0001 e RPN Input Mode x 2 ENT x ENT 3 ENT 3 fMax returns 0 0001 5 8 16 Mean mean datalist Returns the mean of a list or vector e datalist a list containing values used in the calculation Data Types table Category stats Input Modes solver Examples mean 1 2 3 4 5 returns 3 mean datalist occlist Same as above except e occlist a list the same size as datalist containing the number of occurrences of each corresponding value in datalist Note that if occlist is not provided for functions that take occlist as an optional argument the function treats each entry in datalist as a single occurrence Data Types table matrix Category stats Input Modes solver Examples mean 1 2 3 4 5 1 returns 3 mean 1 2 3 4 5 2 4 4 6 6 returns 3 4545 5 8 17 Median median datalist Returns the median of a list or vector e datalist a list containing values used in the calculation Data Types table Category stats Input Modes solver Examples median 1 2 3 4 5 returns 3 O 1997 2005 Infinity Softworks Functions 130 median datalist occlist Same as abo
39. main calculator See the Using the Solver category for more information See the Functions section for more on each available function See the Using the Calculator Memory amp Storage Memory Locations section for more on recall and store Category Unfiled y E Buttons OK saves changes while Cancel deletes changes returning to My Data To enter notes about the template select Notes Cancel 10 4 6 1 Using the Solver An equation is in the form a b where a and b are combinations of variables constants operators and functions The following equation will be used for reference Area sin Width 45 Length An equation is made of four components Variables the names of items that are either stored or calculated In the example above Area Width and Length are variables These variables must consist of letters capital or lower case a through z and numbers 0 through 9 with a maximum of 11 characters The variable cannot start with a number Note that the percentage symbol is a mathematical symbol and cannot be used in the name of a variable The built in templates are able to use a label to represent the variable in the template view and the label is not subject to the same restrictions as a variable s name Constants these are values that do not change In the example above 45 is a constant Do not use digit separators such as commas or spaces For decimal separators use the setting defined in the sys
40. mode is the method by which calculations are performed The different modes reflect the variety of calculation methods performed by currently available hardware calculators The currently selected skin dictates the available input modes See Using the Calculator Interface Overview Skins for more information The input mode is set in the preferences See Using the Calculator Interface Overview for more information on accessing the preferences 1 2 1 RPN Mode This is the input mode used by financial calculators and some engineering calculators RPN input mode uses a chain of values and then a chain of operations to perform the computations This mode utilizes a stack which stores numerical entries The stack works like a pile of dishes Entering a number is like putting a plate on top of the pile This is called pushing onto the stack To push a variable enter the number then press ENT Enter Performing a calculation is like taking a plate off the pile of dishes This is called popping off of the stack To do this press a two variable function When a calculation is performed the number at the top of the stack is the first operand while the number in the visible view window is the second The stack can be viewed at any time by selecting the stack function See the section on RPN Stack and History List for more details To calculate 27 3 x 8 5 1997 2005 Infinity Softworks 5 powerOne Finance
41. old and new amounts Done Clear Prey Next Example Over 4 years sales increased from 45 million to 115 million The industry average is 20 increase per year How does your company compare Variable Entry Comments Tap the Clear button Sets the display to its default values Old 45 000 000 New 115 000 000 Periods 4 Difference 70 000 000 00 Average 17 500 000 00 Select in the Change row to calculate Sales have increased 26 44 per year comparing favorably to the 20 industry pace 4 5 3 6 Percent Total This template performs percent total computations F Perc Total Template Options Help Variables Total 3 150 000 000 00 e Total the total Part 724 500 000 00 e Part the portion of the total Total 23 e Total the percentage of the total For example an 8 125 change would be entered as 8 125 Done Clear Example Your division contributes 23 of the company s revenue If total revenue is 3 15 billion what is your division s contribution O 1997 2005 Infinity Softworks 57 powerOne0 Finance Variable Entry Comments Clear Sets the display to its default values Total 3 150 000 000 Total 23 Compute the part by selecting on the same line Your division contributes 724 500 000 in revenue O 1997 2005 Infinity Softworks Templates 58 4 5 3 7 Profit Margin This t
42. on period 13 25 37 etc firstRateAdjUpLimit upper limit for first rate adjustment expressed as a positive percentage firstRateAdjDownLimit lower limit for first rate adjustment expressed as a positive percentage periodRateAdjUpLimit upper limit for rate adjustment per subsequent period expressed as a positive percentage periodRateAdjDownLimit lower limit for rate adjustment per subsequent period expressed as a positive percentage annualRateAdjUpLimit upper limit for total rate adjustments per loan year expressed as a positive percentage annualRateAdjDownLimit lower limit for total rate adjustments per loan year expressed as a positive percentage totalRateAdjUpLimit upper limit for total rate adjustments over life of loan expressed as a positive percentage totalRateAdjDownLimit lower limit for total rate adjustments over life of loan in expressed as a positive percentage Category finance Input Modes solver ArmEndBal period PV FV startRate startPmt N P Y C Y round rateDelta interestOnlyPeriods initialRatePeriods rateAdjlnterval firstRateAdjUpLimit firstRateAdjDownLimit periodRateAdjUpLimit periodRateAdjDownLimit annualRateAdjUpLimit annualRateAdjDownLimit totalRateAdjUpLimit totalRateAdjDownLimit Returns the ending principal balance of the given period for an adjustable rate loan This function is only available if the finance library is installed Same variables as above except P Y payment periods
43. percent periods Returns the future value of a series of 1 00 payments This function is only available if the finance library is installed e percent interest rate per compounding period expressed as a percentage e periods number of payments Category finance Input Modes solver 1997 2005 Infinity Softworks 157 powerOne Finance Examples usfv 5 360 returns 849 527 908 17 usfv 5 12 360 returns 832 26 usfv 8 0 returns 0 usfv 0 144 returns 144 5 12 5 Uniform Series Present Value uspv percent periods Returns the present value of a series of 1 00 payments This function is only available if the finance library is installed e percent interest rate per compounding period expressed as a percentage e periods number of payments Category finance Input Modes solver Examples uspv 5 360 returns 20 00 uspv 5 12 360 returns 186 28 uspv 8 uspv 0 144 returns 144 0 returns O 5 12 6 Variance var datalist occlist Returns the sample variance of the list datalist occlist is an optional argument that can contain a list of occurences corresponding to the values in datalist e datalist a list containing values used in the calculation e occlist a list the same size as datalist containing the number of occurrences of each corresponding value in datalist occlist is optional for algebraic input mode but required for RPN input mode Note that if occlist is not pr
44. recalling in order of operations and chain the value will overwrite the contents of the view window It is possible to perform arithmetic operations on a value that is being stored to memory using existing values in memory This allows values from the entry line view window to be added to or subtracted from a current value in memory as well as several other operations Note that operations performed on memory locations do not affect the contents of the entry line The following table describes the operations that can be performed on memory locations where value refers to the contents of the entry line view window while memory location means the contents of a selected memory location Calculations are performed as follows Operand Functionality Overwrites the selected memory location with the value The memory location plus the value The memory location minus the value x The memory location multiplied by the value The memory location divided by the value y The memory location to the value s power For example to add the last calculated result to memory location 2 e select MEM then Store or the STO button depending on the skin in use e tap e tap memory location 2 Clearing memory locations also depends on the skin If the skin has a MEM button select this button and choose Clear Alternatively select Clear Memory from the Options menu See the Using the Calculato
45. to the clipboard e Paste shortcut P paste the selected text from the clipboard to the entry line e Graffiti Help shortcut G help with Graffiti keystrokes The Options menu e Preferences shortcut R displays the calculator preferences e Clear Memory shortcut Y clears the calculator s memory locations e About powerOne displays company information Copy paste preferences and the about screen can all be reached from the powerOne button as well 1997 2005 Infinity Softworks 3 powerOne Finance Pocket PC Menu The powerOne menu Options displays the calculator preferences Calculation Log shows the calculation log My Data displays My Data My Templates displays My Templates Clear Memory clears the calculator s memory locations Exit exits the program The Edit menu e Copy copy the selected text to the clipboard e Paste paste the selected text from the clipboard to the entry line The About menu e displays company information Windows Menu The powerOne menu Options displays the calculator preferences Calculation Log control L shows the calculation log My Data control D displays My Data My Templates control T displays My Templates Clear Memory clears the calculator s memory locations Exit exits the program The Edit menu e Copy control C copy the selected text to the clipboard e Paste control V paste the selected text from the clipboard to the ent
46. 0 next to Rents e enter 750 in the pop up calculator using the keypad e select the save y button 16 Enter 400 for medical insurance e select 0 next to Insurance e enter 400 in the pop up calculator using the keypad e select the save y button 17 Enter 200 for groceries e select 0 next to Groceries e enter 200 in the pop up calculator using the keypad e select the save Y button 18 Enter 150 for automobile expenses e select 0 next to Groceries e enter 150 in the pop up calculator using the keypad e select the save Y button 19 Enter 200 for entertainment e select 0 next to ENT e enter 200 in the pop up calculator using the keypad e select the save Y button 20 Calculate the total monthly expenses e select the button on the same line as PresentVal e the total monthly expenses are 1 700 Calculate the Future Cash Requirement to Retire 21 Select Done at the bottom of the Inflation template The main calculator should be visible 22 Select the Template button The Template button is third from the left across the top of the main calculator The Template List should be visible 23 Select the Unfiled category 24 Select the Inflation template The Inflation template should be visible with 1 700 as the PresentVal 25 Enter 4 for inflation e select 0 00 next to Inflation 1997 2005 Infinity Softworks 85 powerOne Finance e enter 4 in the po
47. 00 Compute the depreciation information by entering the year and selecting The depreciation amount will be 17 333 33 1997 2005 Infinity Softworks Templates 52 4 5 2 8 Discount This template is for Discount calculations It is in the Business category For information on accessing this template see the Templates Accessing section For more on using templates in general see the Templates Using the Templates section F Discount Variables Template Options Help e Price the price before discounts Price 9 99 e Sales Price the sales price after discount Sale Price 8 99 e Discount percentage discount For example a 30 discount Discount 10 00 would be entered as 30 e Difference the difference between the price and the sales price Difference 1 00 Done Clear Example The coupon is for 10 off the original cost What is the discounted price if the cost is 9 99 Variable Enter Comments Tap the Clear button Sets the display to its default values Price 9 99 Discount 10 00 Difference 1 00 Select in the Price row to calculate The sales price is 8 99 4 5 3 E P This section covers included templates beginning with the letters E through M 4 5 3 1 Interest Conversions Comparing interest rates may be necessary when two investment possibilities present themselves Investments are usually stated in terms of an annual nominal interest rate
48. 0pm How much time was spent on the project Variable Enter Comments Tap the Clear button Sets the display to its default values Time 1 12 15pm Time 2 4 50pm Make sure Diff Hrs is showing instead of Diff HMM Select in the Diff Hrs row to calculate This project took 4 5833 hours 4 hours 35 minutes Time Sum If you start driving at 3 15 pm and the trip will take 5hrs 45mins what time will you arrive Variable Enter Comments Tap the Clear button Sets the display to its default values Time 3 15 pm H MMSS 5 45 Select in the Sum row to calculate You will arrive at 9 00pm 4 5 4 6 Time Value of Money This template is for TVM Time Value of Money calculations See the Included Templates section for category information Description Time value of money is the process of earning compound interest over a period of time Compound interest problems assume that the interest earned also earns interest Computations such as loans leases mortgages annuities and savings accounts are examples of compound interest problems In time value problems positive and negative numbers have different meanings positive numbers are inflows of cash cash received while negative numbers are outflows cash paid A car loan for instance may have a positive present value because money was received from the loan company but will have a negative payment amount since this is mone
49. 11 e Display Mode normal scientific or engineering notation e Trig Mode degrees or radians 1997 2005 Infinity Softworks Using the Calculator 10 1 2 2 3 Functions Different input modes offer different functions This lists the available functions for order of operations input mode To learn how to see a complete list of functions organized by category see the Using the Calculator Interface Overview section To learn more about an individual function see the Functions section math 1 x log mod ox 10 ged y x Icm In Vx e xy number last abs sign show Part round fPart degs floor dms EE ceil trig sin sinh sec cos cosh csc tan tanh cot asin asinh degrees acos acosh radians atan atanh prob nPr nCr Ix rand cnst e pi history History is a special function that displays the last 10 recorded answers Each time the equals button is selected a O 1997 2005 Infinity Softworks 11 powerOne Finance new history item is added to the list To recall a history item to the view window select it from the list or choose function Last for the last value added to the history list 1 2 3 Chain Input Mode Chain input mode is the most common mode found in financial calculators lt is a mode where only the currently entered number appears in the view w
50. 4 2727 e Order of Operations and Chain Input Modes 27 Vy 3 returns 3 84 5 Vy 5 returns 2 4287 e RPN Input Mode 27 ENT3 vy returns 3 84 5 ENT 5 vy returns 2 4287 5 10 7 Round round value Returns value rounded to the displayed number of decimal places e value the value to round Its data type must be integer floating point table Category number Input Modes solver RPN order of operations chain Examples e Solver Input Mode round with one parameter always rounds to the nearest integer e Order of Operations and Chain Input Modes 5 1234 rnd with Decimal Setting preference set to 3 returns 5 123 52 1235 rnd with Decimal Setting preference set to 3 returns 52 124 e RPN Input Mode 5 1234 rnd with Decimal Setting preference set to 3 returns 5 123 52 1235 rnd with Decimal Setting preference set to 3 returns 52 124 round value decimals Returns value rounded to the designated number of decimal places e decimals the number of decimal places to round valueA This is optional must be an integer number and must be in the range 0 lt decimals lt 10 If decimals is not designated value will be rounded to the Decimal Setting preference Category number Input Modes solver Examples round 5 1234 3 returns 5 123 round 5 1235 3 returns 5 124 round 1 234 2 3 3 356789 4 2 returns 1 23 2 3 3 36 4 O 1997 2005 Infinity Softworks 147 powerOne Fi
51. 5 5 4 gt 5 returns true 5 5 4 gt 5 returns false 5 9 3 Parentheses parentheses Use parentheses to establish precedence when performing calculations ltems within parentheses are evaluated first Category number Input Modes solver order of operations chain Examples 3 4 5 returns 23 3 4 5 returns 35 5 9 4 Payback CfoPbk CFAmntList Returns the period number when the initial investment of a given cash flow will be paid back This function is only available if the finance library is installed e CFAmnitList list containing cash flow amounts where the first element is the initial cash flow e CFFreqList list in which each element specifies the frequency of occurrence for a consecutive cash flow amount in CFList Category finance Input Modes solver Examples CfoPbk 5000 4000 3000 3000 returns 1 33 CfoPbk CFAmntList CFFreqList same as above Category finance Input Modes solver Examples CfoPbk 5000 4000 3000 1 1 2 returns 1 33 1997 2005 Infinity Softworks 137 powerOne Finance 5 9 5 Percent value In general valueA returns the equvalent of valueA 100 When it is preceded by a value and a math operand the following occurs in each case value value 100 valueA valueB valueA valueA valueB 100 valueA valueB valueA valueA valueB 100 valueA valueB value A valueB 100 value
52. A valueB valueA valueB 100 Data Types integer floating point Category math Input Modes solver RPN order of operations chain Examples e Solver Input Mode 42 returns 0 42 80 10 returns 88 80 10 of 80 80 10 returns 72 80 10 of 80 522 63 returns 328 86 24 33 returns 72 7273 e Order of Operations and Chain Input Modes 42 returns 0 42 80 10 returns 88 80 10 returns 72 522 63 returns 328 86 24 33 returns 72 7273 e RPN Input Mode 42 returns 0 42 522 ENT 63 returns 328 86 24 ENT 33 returns 72 7273 5 9 6 Periods tvmn I PV PMT FV Returns the total number of periods of a time value of money TVM problem This function is only available if the finance library is installed PV present value Positive values mean a cash inflow while negative numbers mean a cash outflow FV future value Positive values mean a cash inflow while negative numbers mean a cash outflow PMT payment amount Positive values mean a cash inflow while negative numbers mean a cash outflow I interest rate expressed as a percentage Category finance Input Modes solver 1997 2005 Infinity Softworks Functions 138 Examples tvmn 7 25 35000 3000 0 returns 12 13 tvmn I PV PMT FV P Y C Y B Returns the total number of periods of a time value of money TVM problem This function is only available if the finance library is in
53. Accelrtn e enter 5 in the pop up calculator using the keypad e select the save y button 10 Calculate the distance e select the button on the same line as Distance e the car will stop after 90 meters For more on formatting variables see the Templates Using the Templates Variable Preferences section This template and others are available for free download from Infinity Softworks web site www infinitysw com finance 4 6 4 3 Home Loan This example demonstrates use of the financial functions This template requires the Finance Library The finance library is installed if the function list shows the category finance at the bottom If it does not appear reinstall the finance library The Example The equation for calculating a mortgage is Payment tvmpmt Years 12 IntRate Mortgage 0 12 12 0 where Payment is the monthly house payment Years is the number of years to pay off the loan multiply by 12 to get total number of periods IntRate is the rate entered as a percentage 4 instead of 04 Mortgage is the loan amount 1997 2005 Infinity Softworks Templates 78 0 12 12 O are constants included in the function call These are added to simplify data entry The first O assumes the mortgage is paid down to 0 The first 12 assumes monthly payments The second 12 assumes interest compounds monthly The second 0 assumes payments are made at the end of the period common for loans and mortga
54. B o Og 0 0 o 0 0 0 l o 0 0 0 0 0 C o 0 D o 0 C o 0 E Cancel Clear A Row Header the number of the row Select a row header for a list of options e Insert insert a row before the selected one e Delete delete the selected row e Clear clear the contents of the selected row but does not delete it B Cell select a cell to edit its contents Each cell is referenced by row column coordinates Use the pop up calculator to enter data into the table select checkmark to save or x to cancel See the Templates Using Templates Data Entry section for more information on the pop up calculator C Scroll Bars to see additional rows or columns move the appropriate scroll bar The scroll bar s only appear if there is more than one page of columns or rows See Expand Contract Buttons G to show more or less data on the screen at one time D New Row select to enter a new data point at that row This will create a new row pushing to the next row E Buttons select OK to save changes and Cancel to delete changes and leave the table editor Select Clear to clear the contents of the entire table F Expand Contract Buttons select the button to see more columns on the screen at one time and button to see fewer columns on the screen at one time Palm OS only You can scroll left and right and expand contract columns by hand on Windows and PPC 4 4 4 Template Preferences These preferences impac
55. C Y interest compounding periods per year If not included it is assumed to be 12 e B payment timing 0 for end of period 1 for beginning of period If not included it is assumed to be 0 Category finance Input Modes solver Examples 1997 2005 Infinity Softworks 125 powerOne Finance tvmi 120 100000 0 150000 12 12 0 returns 4 06 5 8 6 Internal Rate of Return CfolRR CFAmntList Returns the internal rate of return of the given cash flow This function is only available if the finance library is installed e CFAmntList list containing cash flow amounts where the first element is the initial cash flow e CFFreqList list in which each element specifies the frequency of occurrence for a consecutive cash flow amount in CFList Category finance Input Modes solver Examples CfolRR 5000 4000 3000 3000 returns 47 96 CfolRR CFAmntList CFFreqList same as above Category finance Input Modes solver Examples CfolRR 5000 4000 3000 1 1 2 returns 47 96 5 8 7 Inverse Cumulative Normal Distribution invNorm prob Returns the value which would generate the given probability for the cumulative standard Normal distribution e prob probability Category distr Input Modes solver Examples invNorm 0 25 returns 0 6745 invNorm area mean stddev same as above except e mean mean of the distribution If not specified mean is O If specified must be an integer or floati
56. EANA a AATE AARS 19 Data Update Sres 20 Memory Locations System Clipboard iii iia i Calculation Log ios e asian Part Il Types of Data 1 Booleans ima ia iia diodo 22 2 Integers Whole Number iiciicioiiainiiai ii da 22 3 Floating Point NUMDEES ccoo o ip iaa 22 4 Dates amp Times iii A A A a ld 22 Part Ill Subject Areas 22 1 Boolean iaa 22 PADE E MIMI eee eenenaunacaats 23 3 TRIQOMOMCUPY iii ce unudanda anaa aaaeaii aaia aaa ara aa aaea aapi danadas daa iaaiiai 24 1997 2005 Infinity Softworks Contents Il Part IV Templates 25 A A Ae e A e EA 25 2 Template List ii 25 3 My Templates oiiaii uniin audiant daadaa o ii 26 4 Using the Templates cin Quick Start Exam ple e ETT E OO A A A E EE A E E E Types of Variable Data Tables iia AA A Fe TNE E ON APSE a aiae Template Preferences Variable Preferences ion en AASA RSE ne ren Sharing Templates amp Data ici sicsce sez lt ccdscecceceteccccccsceescedeceadesteecdssiezeusdnescasecs ccuseasesdeanesbceuctdinsecdcussedscueaceseeedivsaisennaidetee 32 Synchronizing Templates 00 is 33 5 Included Templates iii dan OE C1 E TWO Liz ia 1 Variable Statistics 2 Variable Statistics a a A E A E A A ee T AA E E EET A E A E A R A sebtesaeamee st Bonds Eea eae E A EER a ara Aae a ea rE aa E AE ee Bro akovel se iscrcccessektiesscechactesensaticcevstyenjattey Aina aaa raa ra aE A ESEE aE E a AEAEE aAa DE Aa EEN Cash FIOWS noiseen Unders
57. EE EEE NES or 143 Radians to Degrees Conversioni 143 Random Integer nvsscssccsncsssscssnisedssessusacescisesnaseccsensuesecserocseacssensivauretssenssaendancsenseroassacisanassnareaioenasesaeuentucsesserceasacnsense 143 R doim NUMBER asi cca cas occa canna araa aaan aa aerae raae E aa ae a a tt anaa ra a A Aarena saan Ear aaaea eah aeaa 144 Reciprocal cmmmccnacnnnnnnnacananens 144 Rectangular to Polar Conversion eddie 145 ROO gt ia 145 O E cca che ese ce cea cee Sa cee ce clea dase ae ad howe aen AEE ee ae AEE EASA ENFES 146 a ninia 147 SECA 8 2 es dessvigestincedennsesosescessucedsceutuesausetosessecsstesSzestcciibenss0u sdeuusesesueceaderpineduteestenssdeuvock E NEE 147 SOMI COIOM irrita A E E L E E O E 147 Sequence ATALET p coin E E E E AE 147 A E E E T E E A E 148 See E E E ee E E E E E 148 SAA A one 149 O cece nsessuusascesssesusex vatersucsuces sucdssastanceseasnescausuesecessbeascessiues E EEA 149 Single Payment Future Value 150 Single Payment Present Value ocio enn caidas 150 SOLVING e 150 Square e 151 Square Rot nn 151 Stack mm 152 Standard Deviation ccoo e 152 Straight Line Depreciation oi a ines 153 SUBDUACHOM iii A tia 153 Sum of the Year s Digits Depreciation ciocmioneniicostontositatacnnn rin enn e etnia siena innecesaria aint 154 SUM O X SQUARCG REE ET ne 154 SUMMAlI ON Ea ao 155 O 1997 2005 Infinity Softworks 12 Part VI a A O N a Part VII Tangent Today Total Varia
58. Each function reference has the following elements from top to bottom e Function visual indicator of the function Some functions are commonly known by a different name See the Functions Symbol Chart section for a reference Description text description of the function e Data Types data comes in various forms This element describes which data types are appropriate for the selected function See the Types of Data section for more information Category functions are sorted into categories within the software This lists the category where the function can be found Input Modes certain functions can be found in certain input modes This lists the input modes where the function is available e Examples examples for the function These are organized by input mode 5 2 Accessing There are three ways to access a function 1 Select a button in the main calculator 2 Select an f x button in the main calculator The f x or function button lists all functions by category O 1997 2005 Infinity Softworks 87 powerOne Finance 5 3 Symbol Chart This section outlines common symbols and their equivalents within this software For more on each function look for the Function Name in alphabetical order in this section Symbol AX Vx 3 x YV x 1 x 10 abs acos acosh adjDate adjTime Function Name Subtraction Decimal Separator Decimal Separator Not Equal Not Exclusive Or Exclusive Or
59. MIRR The modified internal rate of return MIRR is an alternative for IRR when there is more than one sign change When IRR has multiple sign changes IRR can have more than one answer MIRR eliminates sign changes by using reinvestment and borrowing interest rates instead the Cash Flow template assumes these rates are the same e NUS The net uniform series NUS performs computations by taking the net present value of the cash flows if they are even and regular reported answer is 0 The payback method does not take interest per year or periods per year into consideration when calculating Pft Index The profitability index also known as the benefit cost ratio shows the relative profitability of any cash flow problem dividing the present value of the inflows by the present value of the outflows e Total The total is the sum of the cash flows Examples Payback The payback method tells at which period an initial investment will be paid back If there is no payback the Your company is looking to buy a new piece of equipment to help it increase manufacturing capacity to meet demands for its largest product The managers are wondering what the return would be if the equipment was purchased for 8 000 You can expect at least a 15 return on the investment elsewhere and are counting on the following yearly cash flows Year 1 2 000 Years 2 3 3 000 each year Years 4 6 4 000 each year What are each of the cash flow computations f
60. Time calculations It is in the Calendar category For information on accessing this template see the Templates Accessing section For more on using templates in general see the Templates Using the Templates section Description Use this template to calculate the difference between two times or sum two times Times are displayed in either standard am pm or 24 hour format depending on the localized time format set in the device s system settings see your device manual for details 1997 2005 Infinity Softworks 63 powerOne Finance Variables The top section of the template performs time difference calculations e Time 1 the beginning time set in increments of 5 minutes Template Options Help e Time 2 the ending time set in increments of 5 minutes Time 1 12 15 00 PM e Diff H MM Diff Hrs the difference between the two times Diff Time 2 4 50 00 PM H MM displays in hour minute format 5 hrs 45mins would display Diff H Mi 4 35 as 5 45 Diff Hrs displays as fraction of an hour Time 3 15 00 PM The bottom section performs time addition calculations HH MMSS 5 4500 e Time starting time Sum 9 00 00 PM e HH MMSS HrsFrac time duration HH MMSS displays time in hour minute second format 4hrs 7mins 30sec would display as 4 0730 Hrs Frac displays time as a fraction of an hour e Sum the end time Done Clear Example Time Difference A project began at 12 15pm and concluded at 4 5
61. UpLimit totalRateAdjDownLimit Returns the total principal paid for the given periods for an adjustable rate loan This function is only available if the finance library is installed Same variables as above except e P Y payment periods per year If not included it is assumed to be 12 e C Y interest compounding periods per year If not included it is assumed to be 12 e round decimal places to round the end balance to as it calculates If not included it is assumed to be 2 e flipSign If not included it is assumed to be false Category finance Input Modes solver ArmSumPrn first last PV FV startRate startPmt N rateDelta interestOnlyPeriods initialRatePeriods rateAdjlnterval firstRateAdjUpLimit firstRateAdjDownLimit periodRateAdjUpLimit periodRateAdjDownLimit annualRateAdjUpLimit annualRateAdjDownLimit totalRateAdjUpLimit totalRateAdjDownLimit initialPmtPeriods pmtAdjlnterval periodPmtAdjUpLimit annualPmtAdjUpLimit totalPmtAdjUpLimit negativeAmort negativeAmortLimit Returns the total principal paid for the given periods for an adjustable rate loan This function is only available if the 1997 2005 Infinity Softworks 103 powerOne Finance finance library is installed This function excludes P Y C Y round and flipsign and adds the following variables e initialPmtPeriods number of periods at initial payment value before first payment adjustment If not included it is assume
62. YDDA C S L M Y Depreciation Amount DepSOYDDV C S L M Y Depreciation Value Book value returns the book value depreciable value salvage value for the asset at the end of the given year Depreciation amount returns the amount that the asset depreciated during the given year Depreciation value returns the remaining total depreciable value for the asset at the end of the given year All three are calculated using the sum of the year s digits method of depreciation This function is only available if the finance library is installed C cost of the depreciable asset S salvage value of the depreciable asset L life in years of the depreciable asset M first month to begin depreciating 1 is January 12 is December Y year to calculate Category finance Input Modes solver Examples DepSOYDBV 150000 20000 20 6 3 returns 119 357 14 DepSOYDDA 150000 20000 20 6 3 returns 11 400 79 DepSOYDDV 150000 20000 20 6 3 returns 99 357 14 5 11 18 Sum of x Squared sumX2 datalist Returns the sum of the squares of the values in the list datalist e datalist a list containing values used in the calculation Data Types table Category stats Input Modes solver Examples sumX2 1 2 3 4 5 returns 55 sumX2 datalist occlist Same as above except e occlist a list the same size as datalist containing the number of occurrences of each corresponding value in datalist Note that if occlist is not provi
63. able Diff H MM in the Time template In this case select the variable s label to enter and calculate the same data item a different way In the Time template the difference in time E Done Clear can be entered in hour minute Diff H MM or fractional hour Diff Hrs format C Variable Data the value or data for the variable To enter data select its value and enter it The data can be entered if it is underlined otherwise it can only be calculated Data can be shown in multiple ways See the Using the Templates Types of Variable Data section for more information D Calculate indicates that the variable can be calculated Select it to perform the calculation E Buttons while there may be more than two buttons these two exist in every template e Done or OK exits the template e Clear or C clears the contents of the template This reverts the data to its defaults 4 4 3 Types of Variable Data There are 5 variable data types currently available Variable data appears in the middle column of the template and can be selected and edited if it is underlined otherwise it can only be calculated Each variable data type is discussed here Numbers Numbers are entered using the pop up calculator To enter a number e select the variable s data e enter the number with the keypad or use the calculator to compute it e select the Y save button to return to the template and save the number or choose x cancel button to ret
64. ailable for the Palm OS version Each skin can offer a different button layout advanced mathematics functions or different color schemes To download free skins go to this product s web page at www infinitysw com finance Installing Skins After downloading a skin from Infinity Softworks web site and synchronizing it to your device s main memory run the application The skin will be imported automatically To install a skin from an expansion card select Skins from the powerOne button and choose Import to find it Changing Skins To change skins select Skins from the powerOne button Choose the desired skin and then select OK The calculator display will change automatically lt Default gt is the original display that came with your product Deleting Skins To delete a skin select Skins from the powerOne button Choose the desired skin and select Delete The default skin cannot be deleted Problems with Skins If there is a device problem when working in a skin it is possible to return to the default skin when launching the software To do so hold the down scroll or 5 way navigation button when starting the software 1 1 3 Menus Palm OS Menu Choosing the menu button to the lower left hand corner of the Graffiti input area accesses the menus Standard PalmOS edit choices Graffiti help Preferences and application information can be accessed from here The Edit menu e Copy shortcut C copy the selected text
65. ailable if the finance library is installed e 1 periodic interest rate as a percentage e CFAmntList list containing cash flow amounts where the first element is the initial cash flow e CFFreqList list in which each element specifies the frequency of occurrence for a consecutive cash flow amount in CFList Category finance Input Modes solver Examples CfoMIRR 12 5000 4000 3000 3000 returns 31 53 CfoMIRR I CFAmntList CFFreqList same as above Category finance Input Modes solver 1997 2005 Infinity Softworks Functions Examples CfoMIRR 12 5000 4000 3000 1 1 2 returns 31 53 5 8 22 Modulo Division mod valueA valueB Returns remainder of valueA divided by valueB Data Types integer floating point table Category math Input Modes solver RPN order of operations chain Examples e Solver Input Mode mod 5 2 returns 1 mod 6 8 1 67 returns 0 12 mod 68 42 33 28 99 34 3 7 6 5 22 7 returns 2 0 3 3 11 6 e Order of Operations and Chain Input Modes 5 mod 2 returns 1 6 8 mod 1 67 returns 0 12 e RPN Input Mode 5 ENT 2 mod returns 1 6 8 ENT 1 67 mod returns 0 12 5 8 23 Multiplication valueA valueB Returns valueA times valueB Data Types integer floating point Category not applicable Input Modes solver RPN order of operations chain Examples e Solver Input Mode 5 63 returns 315 8 2 32 65 retur
66. ak down the equation e solving Cost solving FinalPrice says if the button next to Cost or FinalPrice is selected perform the first calculation otherwise perform the second calculation e The parentheses next to solving are required otherwise the solver thinks it is variable solving 1997 2005 Infinity Softworks 81 powerOne Finance e Notice the double equals sign which is different than the single version The single equals is assignment while the double equals is comparison e Because two equations are used in the calculation it is not possible to put a variable on the left side of the equals sign In this case 0 is used and the variables being calculated FinalPrice and TaxAmt are moved to the right side as a part of the equation Leaving 0 out of the equation causes calculation problems Creating the Template 1 Launch the software The main calculator should be visible 2 Select the Template button The Template button is third from the left across the top of the main calculator The Template List should be visible 3 Select New Template near the bottom of the list 4 Enter Sales Tax no quotes for the name 5 Enter 0 if solving Cost solving FinalPrice Cost 1 TaxRate FinalPrice Cost TaxRate TaxAmt no quotes for the equation equals is on the right side of the keypad next to plus if solving or and
67. al synchronized both directions two way sync With two way Custom synchronization the more recently changed template will be File Link transferred To change this preference for the next HotSync View Log Hotsync operation tap the HotSync icon in the system tray of your at Icon desktop computer which is usually in the bottom right corner of About the screen Help FA ess System Menu Exit EE 118m 1997 2005 Infinity Softworks Templates 34 Select Custom from within the HotSync menu in your Palm Desktop software Double click the powerOne application and Bob s Curent Sot nor change your preference Default HotSync Acter Do Nothing Neat HolSyec Acton Do Nethng HotSync Action ter powolne Pocket PC The templates are synchronized each time the sync icon is selected in the desktop version of the software See the Using the Calculator Interface Overview Display section for more information 4 5 Included Templates These templates are included with the software Additional templates are available to download and install from Infinity Softworks web site www infinitysw com finance Included template are sorted into the following categories Business e Breakeven Discount Markup Percent Change Percent Total Profit Margin Sales Tax Summation Tip Calendar e Date e Time Convert e Area e Currency e Length e Mass e Temperature e Volume Finance e Bond
68. al 365 counts the actual number of days in a month but treats years as though they have 365 days e Date 1 the date to compute from e Date 2 to date to compute to e Difference the difference in number of days Example Template Options Help Done Clear Method Actual Date 1 Tue 9 2 2003 Date 2 Sat 1211 3 2003 Difference 102 Vacation begins on December 13 2003 Today is September 2 2003 How many actual days until vacation Variable Enter Comments Tap the Clear button Sets the display to its default values Method Actual Choose from the list Date 1 9 2 03 Enter September 2 2003 Date 2 12 13 03 Enter December 13 2003 Select in the Difference row to calculate There are 102 days until vacation 4 5 2 7 Depreciation Depreciation is an important source of revenue reduction in businesses The four most common depreciation methods for book purposes are available straight line declining balance sum of the year s digits and declining balance crossover A separate template provides ACRS depreciation often used for tax purposes O 1997 2005 Infinity Softworks Templates 50 Variables spr if e Method depreciation method See Calculation Methods below T Depreciation a for more information Template Options Help e Cost the cost to purchase the asset Method DB e Salvage the assumed value of the asset at the end of the Cost 80 000 00 asset s l
69. alist containing the number of occurrences of each corresponding value in datalist Note that if occlist is not provided for functions that take occlist as an optional argument the function treats each entry in datalist as a single occurrence Data Types table matrix Category stats Input Modes algebraic RPN Examples e Algebraic Input Mode quartile1 1 2 3 4 5 1 returns 2 quartile1 1 2 3 4 5 2 4 4 6 6 returns 2 e RPN Input Mode 1 2 3 4 5 ENT 1 quartile1 returns 2 1 2 3 4 5 ENT 2 4 4 6 6 quartile1 returns 2 5 9 15 3rd Quartile The matematics community has several methods for computing the first and third quartiles powerOne Finance uses Tukey s method which includes the median in the quartile calculation This may be different on other calculators quartile3 datalist Returns the third quartile of a list or vector e datalist a list containing values used in the calculation Data Types table matrix Category stats Input Modes algebraic Examples quartile3 1 2 3 4 5 returns 4 quartile3 datalist occlist Same as above except e occlist a list the same size as datalist containing the number of occurrences of each corresponding value in datalist Note that if occlist is not provided for functions that take occlist as an optional argument the function treats each entry in datalist as a single occurrence Data Types table matrix Category stats Input Modes
70. always remain visible and so on 4 4 5 Variable Preferences These preferences impact each variable independently To set the preferences for a variable first choose it from the Variable pop up list Selecting Set All will set all the variables to the current variable s preferences Variable The variable to set The preferences change with different selected variables 1997 2005 Infinity Softworks Templates 32 Dec Setting The number of decimal places to display Variable Options Float shows all available decimal places 0 through 11 shows that many decimal places With very large numbers fewer decimal places may be Variable Intrst Y 1 displayed because of the total number of places available to show in the view window Dec Setting 2 v This is hidden for lists tables dates and times Disp Mode Normal Justified Left y Disp Mode ae Display numbers in normal scientific or engineering notation Iv Visible Normal mode displays numbers as would normally be written on paper Global frate or if the number is too large or too small to display all places in scientific Range Min 1E300 notation Scientific mode displays numbers in 3 45e67 format The is number of places displayed after the decimal point is determined by the Max 1E300 gt decimal setting Engineering mode uses the decimal setting to determine a number of displayed significant digits and then adjusts the expon
71. an integer floating point Category number Input Modes solver Examples toFloat 5 returns 5 0 5 6 20 Floor floor value Returns the largest integer less than or equal to value Data Types integer floating point complex table Category number Input Modes solver RPN order of operations chain Examples e Solver Input Mode floor 4 5 returns 4 floor 4 5 returns 5 floor 15 2 22 8 25 89 9 returns 16 22 8 90 e Order of Operations and Chain Input Modes 4 5 floor returns 4 4 5 floor returns 5 e RPN Input Mode 4 5 floor returns 4 4 5 ENT floor returns 5 5 6 21 Fractional Part fpart value Returns fractional part of value Data Types integer floating point complex table matrix Category number Input Modes solver RPN order of operations chain Examples e Solver Input Mode fpart 5 returns 0 0 fpart 5 25 returns 25 fpart 1 56 2 89 3 45 4 73 returns 0 56 0 89 0 45 0 73 e Order of Operations and Chain Input Modes 5 fPart returns 0 0 1997 2005 Infinity Softworks Functions 118 5 25 fPart returns 0 25 e RPN Input Mode 5 fPart returns 0 0 5 25 fPart returns 0 25 5 6 22 Future Value tvmfv N 1 PV PMT Returns the future value of a time value of money TVM problem Positive values mean a cash inflow while negative numbers mean a cash outflow This function is only available if the finan
72. andInt 2 4 returns single random integer between 2 and 4 randint lower upper numsimulations Same as above except returns a list of random integers e numsimulations number of times to repeat the simulation Must be an integer greater than 0 if entered Category prob Input Modes solver Examples randInt 1 10 5 returns list of 5 random integers each with a value between 1 and 10 5 10 3 Random Number rand Returns a random floating point number from a uniform distribution within the bounds 0 lt random number lt 1 The number of decimal places is set based on the current decimal setting preference Category prob Input Modes solver RPN order of operations chain Examples rand returns single random number in the range 0 lt random number lt 1 rand numsimulations Same as above except returns a list of random floating point numbers e numsimulations number of times to repeat the simulation Must be an integer gt 0 if entered Category prob Input Modes solver Examples rand 5 returns list of 5 random numbers in the range 0 lt random number lt 1 5 10 4 Reciprocal 1 value Returns 1 divided by value Data Types integer floating point table Category math Input Modes solver RPN order of operations chain Examples e Solver Input Mode 1 15 returns 0 0667 1 89 56 returns 0 0112 1 1 2 3 4 returns 1 0 5 0 3333 0 25 O 1997 2005 Infinity Softworks 145 p
73. are not an exact number of increments in the range then the last value calculated will be just before the end value Category stats Input Modes solver Examples sigma a 2 a 1 11 3 returns 166 or 142 4 2 7 2 1012 O 1997 2005 Infinity Softworks 149 powerOne Finance 5 11 6 Sign sign value Returns 1 if value is less than 0 0 if value is 0 or 1 otherwise Data Types integer floating point table Category number Input Modes solver RPN order of operations chain Examples e Solver Input Mode sign 5 67 returns 1 sign 0 returns 0 sign 0 0001 9999 0 5 returns 1 1 0 1 e Order of Operations and Chain Input Modes 5 67 sign returns 1 5 sign returns 1 e RPN Input Mode 5 67 ENT sign returns 1 O sign returns 0 Either inserts a negative sign solver input mode or changes the sign of the value in the view window order of operations and chain input modes This software does not differentiate between negate sign and subtract in solver and RPN input modes 5 11 7 Sine sin value Returns sine of value Data Types integer floating point table Category trig Input Modes solver RPN order of operations chain Examples e Solver Input Mode sin 30 returns 0 9880 when Trig Mode Preferences set to Radians sin 30 returns 0 5 when Trig Mode Preferences set to Degrees e RPN Order of Operations and Chain Inp
74. ariable Preferences section This template and others are available for free download from Infinity Softworks web site www infinitysw com finance 4 6 4 7 Using Data in Multiple Templates The global preference setting for variables makes it possible to share data between templates The Example This example will utilize the inflation template created earlier The problem summarize average monthly expenses and determine the equivalent amount needed 30 years from now to retire The monthly expenses to consider Rents including gas electricity water and garbage Health Insurance Groceries Automobile Expenses Entertainment To perform the calculation one template will be created to summarize these expenses This template will share the total amount with a second inflation calculation template Create the Inflation Template If the inflation template has already been created skip to step 7 1 Launch the software The main calculator should be visible 2 Select the Template button The Template button is third from the left across the top of the main calculator The Template List should be visible 3 Select New Template near the bottom of the list 4 Enter Inflation no quotes for the name 5 Enter FutureVal PresentVal 1 Inflation 100 Years no quotes for the equation e equals is on the right side of the keypad e power is available by selecting f x then math then y 6 Select OK to finish The
75. as a percentage PMT periodic payment amount Positive values mean a cash inflow while negative numbers mean a cash outflow N total number of periods Category finance Input Modes solver Examples AmSumint 1 12 150000 0 6 899 325 360 returns 8 949 87 AmSumint first last PV FV 1 PMT N P Y C Y B round Returns the summation of interest paid given a range of periods This function is only available if the finance library is installed Same variables as above except e P Y payment periods per year If not included it is assumed to be 12 1997 2005 Infinity Softworks 95 powerOne Finance e C Y interest compounding periods per year If not included it is assumed to be 12 e B payment timing 0 for end of period 1 for beginning of period If not included it is assumed to be 0 e round decimal places to round the end balance to as it calculates If not included is assumed to be 2 Category finance Input Modes solver Examples AmSumint 1 12 150000 0 6 899 325 360 12 12 0 2 returns 8 949 87 AmSumint first last PV FV 1 PMT N P Y C Y B round sign Returns the summation of interest paid given a range of periods This function is only available if the finance library is installed Same variables as above except e sign set to false to leave the sign of the answer in the outputted format Set to true to swap the sign Category finance Input Modes solv
76. ate This function is only available if the finance library is installed e rate nominal annual interest rate Must be an integer or floating point number e compoundingperiods number of interest compounding periods per year Must be an integer or floating point number greater than or equal to 0 0 denotes continuous compounding Category solver Input Modes solver Examples IntEff 7 360 returns 7 250 IntEff 7 0 returns 7 251 5 6 13 Enter ENT Used to complete calculations in RPN input mode See the Using the Calculator Input Modes section for more 1997 2005 Infinity Softworks 115 powerOne Finance information 5 6 14 Equals valueA valueB Returns true if valueA is equal to value valueB Note that this operator is entered using two consecutive characters not a single character Data Types boolean integer floating point date Category bool Input Modes solver Examples 5 5 returns true 5 1 5 returns false Used to complete calculations in order of operations and chain input modes See the Using the Calculator Input Modes section for more information 5 6 15 Exclusive Or valueA valueB Returns true if valueA is true or valueB is true but both are not true Data Types boolean Category bool Input Modes solver Examples e Solver Input Mode O 1 returns true 1 1 returns false O 0 returns false 5 gt 3 5 lt 3 returns true 5 gt 3
77. ate e g 1 082003 if today s date of 08 01 03 getdate ad Date 01 082003 15 returns 17 072003 5 7 2 Get Hours in Decimal Format hrs value Returns the time in decimal hours given a date type or time in hh mmssmmm format 3 5 decimal hours is 3 hrs 30 min Data Types integer floating point date Category date Input Modes solver Examples hrs today returns the current time e g 17 7989 given approximately 5 47 pm hrs 10 4830 returns 10 8083 5 7 3 Get Hours in HH MMSS Format hms value Returns the time in hh mmssmmm format given a date type or the time in decimal hours 3 5 decimal hours is 3 hrs 30 min Data Types integer floating point date Category date Input Modes solver Examples hms 10 8083 returns 10 4830 5 7 4 Get Time in Decimal Format gettime date This function can only be used within a formula the returned value cannot be viewed in a template Returns the time in the format hh mmssmmm given date type date Data Types date Category date Input Modes solver Examples gettime today returns the current time e g 18 0635 given 6 06 35 pm 5 7 5 Greater Than valueA gt valueB Returns true if valueA greater than valueB Data Types integer floating point date 1997 2005 Infinity Softworks Functions 120 Category bool Input Modes solver Examples 1 gt 0 55 returns true 1 gt 5 returns false 1 gt 1 returns false 5 7 6 Greater
78. ation Declining Balance Depreciation 88 1997 2005 Infinity Softworks 89 powerOne Finance DepDBSLBV DepDBSLDA DepDBSLDV DepSLBV DepSLDA DepSLDV DepSOYDBV DepSOYDDA DepSOYDDV dms drop dup ex EE ENTER floor fMax fMin fnint fPart gcd getDate getTime HMS HRS if imag IntEff IntNorm invNorm iPart last lcm In log makeDate Declining Balance Crossover Depreciation Declining Balance Crossover Depreciation Declining Balance Crossover Depreciation Straight Line Depreciation Straight Line Depreciation Straight Line Depreciation Sum of the Year s Digits Depreciation Sum of the Year s Digits Depreciation Sum of the Year s Digits Depreciation Degrees to DMS Conversion Stack Stack Exponential Exponent Enter Floor Maximum Function Minimum Function Integral Fractional Part Greatest Common Denominator Get Date in Decimal Format Get Time in Decimal Format Get Hours in HH MMSS Format Get Hours in Decimal Format If Polar to Rectangular Conversion Effective Interest Rate Nominal Interest Rate Inverse Cumulative Normal Distribution Integer Part Last Least Common Multiple Natural Logarithm Logarithm Make Date from Decimal Format O 1997 2005 Infinity Softworks Functions max mean median min MEM mod move nCr nDeriv nDeriv2 nDist nPr prod radians rand randint RCL Recall real rnd root rot
79. ays period by period information End Balance Interest v The display from left to right shows the period being displayed data number one and data number two Either of the data sets can display beginning or ending balance payment principal or interest Select one by tapping on the pop up list above each column 7 327 23 7 152 66 6 976 27 6 798 04 6 617 95 6 435 99 6 252 13 6 066 36 5 878 65 5 688 99 5 497 35 5 303 71 5 108 06 4 910 37 Scroll through the list with either the scroll arrows or scroll buttons Navigate to a specific period by selecting Go To entering a period and selecting the Y save button 1 2 3 4 5 E Y 8 g Period View The period view can be selected by choosing Period from the pop up list in the top right hand corner To calculate the values over the range of periods enter a period for Beg Period one for End Period and select The table will display information for Beg Balance End Balance Payment Principal and Options Interest over that range Period 5 Period Me Additionally four buttons are available at the bottom of the screen next to Done These buttons are used to quickly enter beginning Amortization and ending period values and perform computations Beg Period 1 e Max sets the ending period to the maximum number of periods i a Next moves to the next set of beginning and ending periods Payment 3 010 80 For example with both set to o
80. but required for RPN input mode Note that if occlist is not provided for functions that take occlist as an optional argument the function treats each entry in datalist as a single occurrence Data Types table Category stats Input Modes solver Examples stdDev 1 2 3 4 5 returns 1 5811 stdDev 1 2 3 4 5 2 4 4 6 6 returns 1 3355 stdDevP datalist occlist Returns the population standard deviation of the list datalist occlist is an optional argument that can contain a list of occurences corresponding to the values in datalist e datalist a list containing values used in the calculation e occlist a list the same size as datalist containing the number of occurrences of each corresponding value in datalist occlist is optional for algebraic input mode but required for RPN input mode Note that if occlist is not provided for functions that take occlist as an optional argument the function treats each entry in datalist as a single occurrence Data Types table Category stats Input Modes solver Examples stdDevP 1 2 3 4 5 returns 1 4142 stdDevP 1 2 3 4 5 2 4 4 6 6 returns 1 3048 O 1997 2005 Infinity Softworks 153 powerOne Finance 5 11 15 Straight Line Depreciation DepSLBV C S L M Y Book Value DepSLDA C S L M Y Depreciation Amount DepSLDV C S L M Y Depreciation Value Book value returns the book value depreciable value sa
81. ce library is installed e PV present value Positive values mean a cash inflow while negative numbers mean a cash outflow e PMT periodic payment amount Positive values mean a cash inflow while negative numbers mean a cash outflow e 1 yearly interest rate expressed as a percentage e N total number of periods Category finance Input Modes solver Examples tvmfv 600 2 5 10000 200 returns 273 495 59 tvmfv N 1 PV PMT P Y C Y B Returns the future value of a time value of money TVM problem Positive values mean a cash inflow while negative numbers mean a cash outflow This function is only available if the finance library is installed Same variables as above except e P Y payment periods per year If not included it is assumed to be 12 e C Y interest compounding periods per year If not included it is assumed to be 12 e B payment timing 0 for end of period 1 for beginning of period If not included it is assumed to be 0 Category finance Input Modes solver Examples tvmfv 600 2 5 10000 200 12 12 0 returns 273 495 59 5 7 G H This section covers functions beginning with the letters G through H 5 7 1 Get Date in Decimal Format getdate date Returns the date in dd mmyyyy format given date type date Data Types date table Category date Input Modes solver 1997 2005 Infinity Softworks 119 powerOne Finance Examples getdate today returns today s d
82. ciation Amount 49 Depreciation Rate 49 Depreciation Value DepSLBV DepSLDA DepSLDV DepSOYDBV DepSOYDDA DepSOYDDV Derivative Second Difference Between Dates Discount Disp Mode Display Mode Division Division by 0 dms DMS to Degrees Conversion Drop dup Duplicate e ec Edit Effective Effective Interest Rate EffNom Electron Mass Elemental Charge Empty data set End Balance Period ENT Enter Enter Mode Equals Error Error Messages Exclusive Or exp Exponent Exponential Export fact 49 153 153 153 154 154 154 112 112 113 52 31 6 9 12 14 113 158 111 114 6 152 6 70 152 6 152 17 115 116 17 2 52 114 114 17 17 158 63 70 70 114 114 6 14 115 158 158 115 116 115 17 116 18 32 116 1997 2005 Infinity Softworks Index Factorial Fitness Fixed Cost Floating Point Convert To Numbers Floor fMax fMin fnint For fpart Fractional Part Freeze Rows Frequency Function Bar Function Button Function Description Function Maximum Functions Chain Order of Operations RPN Future Value G G gcd Get Date in Decimal Format Get Hours in Decimal Format Get Hours in HH MMSS Format Get Time in Decimal Format getdate gettime Global Graffiti Graffiti Help Graph Button Gravity Acceleration Gravity Constant Greater Than Greater Than or Equal To Greatest Common Denominator H Health History 116 86 42 116
83. come is the net income earned by the company The format for if statements is if conditional true do this otherwise do this To break down the equation e The first if statement says if net income is less than or equal to lt 1 000 000 add 0 otherwise do the second if statement e The second if statement says if net income is greater than gt 1 000 000 and amp amp net income is less than or equal to lt 5 000 000 then add in 2 of the base pay If it doesn t meet this condition than net income must be larger since we took care of all other conditions Add in 4 of base pay instead e Note that nested if statements read from left to right If the first criteria is true the solver will not continue to the false statement Because of that the formula could be written as NetPay BasePay if NetIncome lt 1000000 0 if NetIncome lt 5000000 BasePay 02 BasePay 04 leaving out NetIncome gt 1000000 amp amp in the second nested if statement Creating the Template 1 Launch the software The main calculator should be visible 2 Select the Template button The Template button is third from the left across the top of the main calculator The Template List should be visible 3 Select New Template near the bottom of the list 4 Enter Profit Sharing no quotes for the name 5 Enter NetPay BasePay if NetIncome lt 1000000 0 if NetIncome gt 1000000 amp amp Netincome lt 5000000 BasePay
84. comparison equals are available by selecting f x then bool Quotes are on the right side of the keypad next to equals Semi colon is on the left side of the keypad below f x Percent or x is available by selecting f x then math This is the same as TaxRate 100 parentheses are on the right side of the keypad next to multiply 6 Select OK to finish The sales tax template should be visible 7 Turn off auto solve in the template preferences e select the menu button below the Applications button or on some devices select the title bar e choose the Options menu e select Template Prefs e uncheck Auto Compute e select OK The sales tax template should be visible Calculate Final Price with Sales Tax 8 Enter 29 99 for cost e select 0 next to Cost e enter 29 99 in the pop up calculator using the keypad e select the save y button 9 Enter 7 25 for sales tax rate e select 0 next to TaxRate e enter 7 25 in the pop up calculator using the keypad e select the save Y button 10 Calculate the final price e select the button on the same line as FinalPrice e the final price including sales tax is 32 16 Calculate the Tax Amount 11 Calculate the sales tax amount e select the button on the same line as TaxAmt e the net pay is 2 17 For more on formatting variables see the Templates Using the Templates Variable Preferences section This template and oth
85. ct the desired export beam option e Follow the on screen directions if any are required Pocket PC Windows export templates or its data beam not available e Select or right select the data to export e Choose Export Beam from the list if the template can be shared If it cannot be shared this option does not appear Export dialog appears e Enter a name and location information e Select OK or Save to save the file 1997 2005 Infinity Softworks 19 powerOne Finance The data export beam options that come with the software e Export data item to file save the selected template in a file that can be synchronized to the desktop for archival or sharing purposes e Beam data item beam the selected template to another handheld that has this software Infinity Softworks may offer additional export beam plug ins from its web site Palm OS only These plug ins could include ones to communicate with word processors spreadsheets and probe systems among others See the Plug ins web page at www infinitysw com finance for more information Import Import templates e Select Import at the bottom of My Templates e Select the desired import option e Pick a location and choose Save or OK if required Data generally are imported automatically when the software is first started On Palm OS handheld computers any data uploaded to the device will be imported On Pocket PC and Windows any data installed to the powerO
86. culations to a printer Windows only Copy Results saves the resulting calculations to the system clipboard Infinity Softworks may offer additional export beam plug ins from its web site Palm OS only These plug ins could include ones to communicate with word processors spreadsheets and probe systems among others See the Plug ins web page at www infinitysw com finance for more information Import Import templates e Select Import at the bottom of My Templates e Select the desired import option e Follow the on screen directions if any are required Templates generally are imported automatically when the software is first started On Palm OS handheld computers any template uploaded to the device will be imported On Pocket PC and Windows any template installed to the powerOne directory in My Documents will be installed automatically If the template is on an expansion card CD ROM or not in the powerOne directory on Pocket PC and Windows computers use the Import option in My Templates to install 4 4 7 Synchronizing Templates If you own both handheld and Windows versions of the software it is possible to synchronize templates and data Palm OS v Local USB By default synchronization happens each time the HotSync Y Local Serial button is selected on the cradle or on the device Modem Network For Palm OS devices synchronization can be turned off set to t an copy to the handheld only to the Windows computer only or on
87. d automatically and recalled when those two currencies are set for Type 1 and Type 2 To clear that stored value recall the two currencies and select Clear Done Clear Example The exchange rate from US dollars to Japanese yen is 114 25 If you are exchanging 850 how many yen do you have Variable Enter Comments Tap the Clear button Sets the display to its default values Type 1 US Dollars Not used in computation Amount 1 850 Type 2 Yen Not used in computation Rate 114 25 Compute the amount of yen by selecting on the Amount 2 line You would receive 97 122 50 yen 1997 2005 Infinity Softworks 49 powerOne Finance 4 5 2 6 Date This template is for Date calculations It is in the Calendar category For information on accessing this template see the Templates Accessing section For more on using templates in general see the Templates Using the Templates section Variables e Method the day count method Date arithmetic can be performed using an actual year 30 day month 360 day year actual 360 or actual 365 calendar e Actual counts the actual number of days in a month and the total number of days in a year including leap years e 30 360 treats all months as though they have 30 days and years as though they have 360 days e Actual 360 counts the actual number of days in a month but treats years as though they have 360 days e Actu
88. d in financial calculations Precision Some calculations require an iterative search for the answer e g TVM interest rates and take more than 1 second to calculate When this occurs a Computing dialog will appear Precision affects the time of the calculation Setting it to Full will calculate until full precision is reached Setting it to Standard will only calculate to the displayed decimal places Full precision takes longer to calculate but is more accurate than standard precision Auto Compute When auto compute is checked the application will automatically determine when the should be visible When a value is entered into the template a will appear next to any other variable that may be affected by the change When a value is recomputed the question marks will disappear While auto compute is checked any other values that can automatically be recalculated will be after each change For example if a template contains just two variables Such as most conversion templates changing the value of one variable will automatically cause the other variable to be recalculated If unchecked the compute will remain visible at all times and values will only be recalculated when the button is selected Freeze Rows When a template is long often it is handy to freeze a certain number of rows at the top These rows will always remain visible O means no rows remain frozen 1 means the first row at the top of the template will
89. d to be 0 pmtAdjlnterval number of periods between subsequent payment adjustments 12 means adjustments will be made on period 13 25 37 etc If not included it is assumed to be 1 periodPmtAdjUpLimit upper limit for payment adjustment per period expressed as a percentage annualPmtAdjUpLimit upper limit for total payment adjustments per loan year expressed as a percentage totalPmtAdjUpLimit upper limit for total payment adjustments over life of loan expressed as a percentage negativeAmort true means if payment is capped at too low of a value to cover the interest for the period unpaid interest is added to balance and loan amount grows If false and payments don t cover interest excess interest is forfeited by lender and balance stays steady If not included it is assumed to be false negativeAmortLimit negative amortization limit expressed as a percentage of the original loan amount 25 means that if negative amortization would cause the loan balance to become gt 125 of the original loan amount then all payment caps are removed and the loan switches to fully amortizing for the remaining periods Category finance Input Modes solver ArmSumPrn first last PV FV startRate startPmt N P Y C Y round flipSign rateDelta interestOnlyPeriods initialRatePeriods rateAdjlnterval firstRateAdjUpLimit firstRateAdjDownLimit periodRateAdjUpLimit periodRateAdjDownLimit annualRateAdjUpLimit annualRateAdjDownLimit totalRateAdjUpL
90. ded for functions that take occlist as an optional argument the function treats each entry in datalist as a single occurrence Data Types table Category stats Input Modes solver Examples sumX2 1 2 3 4 5 1 returns 55 sumX2 1 2 3 4 5 2 4 4 6 6 returns 300 1997 2005 Infinity Softworks 155 powerOne Finance 5 11 19 Summation sumX datalist Returns the sum of the values in the list datalist occlist is an optional argument that can contain a list of occurences corresponding to the values in datalist e datalist a list containing values used in the calculation Data Types table Category stats Input Modes solver Examples sumX 1 2 3 4 5 returns 15 sumX datalist occlist Same as above except e occlist a list the same size as datalist containing the number of occurrences of each corresponding value in datalist Note that if occlist is not provided for functions that take occlist as an optional argument the function treats each entry in datalist as a single occurrence Data Types table Category stats Input Modes solver Examples sumX 1 2 3 4 5 1 returns 15 sumX 1 2 3 4 5 2 4 4 6 6 returns 76 Also see the function Sigma 5 12 T Z This section covers functions beginning with the letter T through Z 5 12 1 Tangent tan value Returns tangent of value Data Types integer floating point table Category trig Inpu
91. e y O 1997 2005 Infinity Softworks 1 2 2 Order of Operations Input Mode 7 powerOne Finance number last Part sign show fPart round EE floor degs abs ceil dms trig sin sinh sec cos cosh csc tan tanh cot asin asinh degrees acos acosh radians atan atanh prob nPr nCr x rand cnst e pi stack drop dup move rot rotr swap stack Order of operations is a standard calculator mode where only the currently entered number appears in the view window This mode follows standard entry where numbers are entered in order of appearance and a final calculation is performed when is selected As the name indicates it follows standard order of operations rules O 1997 2005 Infinity Softworks Using the Calculator The following chart outlines precedence Order Function 4 Negative x Powers and roots Multiplication division and percentages Addition and subtraction Relationship operations gt lt 2 3 4 5 6 Logic or Boolean operations or and To calculate 27 3 x 8 5 Key Display Comments CE C Clears the current calculation 27 27 27 3 3 x 3 8 5 8 5 52 5 The following keys can be used to interact with the calculator 1997 2005 Infinity Soft
92. e Using the Calculator Interface Overview section for more on this button 3 In the main calculator select powerOne then select My Templates 4 2 Template List The Template List displays a list of available templates and their categories This list can be viewed in category order or in alphabetical order Business Length J Calendar Markup Convert Mass Finance Perc Change Black Scholes Bond Cash Flow Deprec ACRS Depreciation Interest Cony Simple Interest TYM Perc Total Profit Margin Sales Tax Simple Interest Temperature Time Tip TYM B volume New Template New Template My Templates My Templates Category View Aplhabetical View A Template select a template to go to that template B Template Category templates are organized into categories If in category view and the category is closed the plus symbol is visible next to the category select it to open the category and see that category s templates If in category view and the category is open the minus symbol is visible next to the category select it to close the category and hide that category s templates If there are no templates in the category that category will not be visible C Open Close All Buttons select a button to either open all categories or close all categories e All select to open all categories e All select to close all categories D Switch View Button select to switch between categ
93. e that although the interval between cash flows must be equal the amounts of those cash flows do not have to be the same Cash flows generally involve some initial outflow of cash followed by subsequent inflows over a number of periods For instance an initial outflow designated by location 0 could be followed by various amounts paid back over five periods each period being one year apart Cash flows do not have to be initial outflows followed by inflows either Cash flows could be inflows preceded by outflows or an initial inflow or outflow followed by some mixture of cash flows as well See the Understanding Cash Flows section for a pictorial explanation of inflows and outflows Variables e Amounts Data set of cash flow values The 0 cash flow is the MT Cash Flow initial cash flow Template Options Help e Frequency Corresponding set of amount occurrences This list Data Set Table 4Rx2C must be the same length as Amounts The template assumes a Intrstiyr 6 15 frequency of 1 per amount entry Periods Yr e Intrst Yr Required to perform some cash flow computations NPY 3 985 14 the interest per year is entered as a percentage For instance IRR 29 93 8 25 would be entered as 8 25 NF 9 217 87 MIRR 23 01 Periods Yr Periods per year automatically adjusts the interest rate When the interest rate is entered as a yearly rate entering Payback 3 00 a value for periods per year will automatically determine the a 1 50 periodic int
94. e x coordinate given polar coordinates r and q Data Types integer floating point table Category cmplx Input Modes solver Examples real 5 4 returns 3 2682 when Trig Mode set to radians real 3 4 5 6 1 2 7 8 returns 1 6209 1 6646 3 7695 0 8730 when Trig Mode set to radians 5 9 9 Power valueA valueB Returns valueA raised to valueB Data Types integer floating point table Category math Input Modes solver RPN order of operations chain Examples e Algebraic Input Mode 313 returns 27 3 2 2 returns 0892 5 6 7 1 2 3 returns 5 36 343 e Order of Operations and Chain Input Modes 313 returns 27 3 2 2 returns 0892 e RPN Input Mode 3 ENT 3 returns 27 3 ENT 2 2 ENT returns 0892 5 9 10 Power of 10 10 value Returns 10 raised to the power of value Data Types integer floating point table Category math Input Modes solver RPN order of operations chain Examples O 1997 2005 Infinity Softworks Functions 140 e Solver Input Mode 10 1 23 returns 0 0589 10 4 2 1 65 3 96 returns 15848 9319 44 6684 9120 1084 e Order of Operations and Chain Input Modes 1 23 10 returns 0 0589 e RPN Input Mode 1 23 ENT 10 returns 0 0589 5 9 11 Present Value tvmpv N 1 PMT FV Returns the present value of a time value of money TVM problem Positive values mean a cash inflow while negative nu
95. each template e About powerOne information about the product B Navigation Synchronization Buttons from left to right e Data Service select to access updated data Requires an add on service See the Memory amp Storage Data Update Service section for more information Pocket PC Synchronization select to synchronize data and templates between Pocket PC and Windows version Only visible in the Windows version of the software if Pocket PC synchronization is available See the Templates Synchronizing Templates section or Memory amp Storage My Data Synchronizing Data section for more information Data Button displays My Data See the Memory amp Storage My Data section for more information e Template Button displays list of available templates similar to My Templates See the Templates Template List section for more information e Last Template Button select to go to the previously used template only visible when a template has been visited C View Window displays calculation and status information See the Using the Calculator Input Modes section for more information D Function Button select this button to display a list of function categories Select a function category to access a mathematical function E Programmable Buttons programmable buttons bar can be changed to any mathematics function or template Buttons can be changed in the Preferences See the Using the Calculator Preferences section for more inf
96. ecause periods per year is one 1997 2005 Infinity Softworks Templates 46 4 5 2 4 1 Understanding Cash Flows To further understand the cash flow model here is an example of a timeline Note that inflows of cash are treated as positive amounts designated by a sign and outflows of cash as negative amounts designated by a sign The Cash Flow and Time Value of Money templates both use cash flows The difference is in the entry and interpretation The Time Value of Money template deals with cash flows as annuities Each of these cash flows are the same amount The loan lease and regular deposit examples on the next page are annuity problems solved in the TVM template The Cash Flow template deals with investments where the payment is in varying amounts This example shows a typical loan problem where the initial cash flow the loan amount is an inflow Each of the subsequent cash flows payments to the bank are cash outflows Loan Arnount Time gt PMT PMT PMT PMT PMT PMI PMT A few items to note e The length between cash flows is the same This denotes that inflows and outflows occur at regular intervals of time e This cash flow begins with an inflow followed by subsequent outflows of cash The cash flow can however begin with an outflow and be followed by subsequent inflows of cash Furthermore there can be mixed inflows and outflows of cash e The payment amounts are the sa
97. ected a new history item is added to the list To recall a history item to the view window select it from the list or choose function Last for the last value added to the history list 1 3 P references Preferences or Options are used to store information about how the calculator functions and set the programmable buttons The Button tabs only appear if the selected skin offers these functions Access the preferences by selecting powerOne then Preferences on Palm OS devices or File then Options on Pocket PC and Windows computers O 1997 2005 Infinity Softworks Using the Calculator 14 1 3 1 Calc Tab Display changes depending on the input mode selected Options are Calculator Options e Preferences O Input Mode Buttons Stack Size pe Input Mode w RPN Decimal Setting Display Mode Normal Stack Size w 11 registers rise Lo E Decimal Setting w 2 Data Service Manual y Display Mode w Normal Trig Mode w Degrees Programmable Buttons A cae EA rw ero ll JD ie Windows amp Pocket PC Palm OS Input Mode all modes the currently selected input mode All input modes may not be available with all skins For more on each input mode see the Using the Calculator Input Modes section To learn more about skins see the Using the Calculator Interface Overview Skins section Stack Size RPN size of the stack The stack can either be 4 items tall 3 locations and the e
98. emplate performs profit margin computations F Profit Margin E Variables Template Options Help e Cost the cost to manufacture or purchase Cost 580 000 000 00 e Price the selling or resale price Price 724 500 000 00 e Margin the gross profit margin expressed as a percentage Margin 19 94478951 0007 For example an 8 125 change would be entered as 8 125 A positive value represents an increase while a negative one represents a decrease Profit margin and markup as a percentage of price are identical Done Clear Example Your division contributes 724 500 000 in revenue The costs associated with revenue are 580 000 000 What is the profit margin Variable Entry Comments Clear Sets the display to its default values Cost 580 000 000 Price 724 500 000 Compute the profit margin by selecting on the Margin line The profit margin is 19 94 1997 2005 Infinity Softworks 59 powerOne Finance 4 5 4 O Z This section covers included templates beginning with the letters N through S 4 5 4 1 Sales Tax This template is for Sales Tax calculations lt is in the Business category For information on accessing this template see the Templates Accessing section For more on using templates in general see the Templates Using the Templates section F Sales Tax Variables Template Options Help e Before Tax before tax amount Before Tax 39 96 e Ta
99. ent to be a multiple of 3 The number of significant digits is 1 plus the decimal setting Cancel Set All This is hidden for lists tables dates and times Justified Show the variable s data left or right justified within the template Visible If checked the variable and its data will be visible in the template otherwise it will be hidden from view A variable that is hidden will not be recalculated even if Auto Compute is checked It will also not be cleared if the Clear button is selected Global If checked global allows the variable s data to be shared with other templates The equation variable which may be different than the variable s label is listed next to the Global checkbox For this variable to be shared with another template the other template must contain the equation variable exactly as shown in the first template Range Range is available if the variable requires an iterative search to calculate its value The range is the maximum and minimum starting points for calculation The closer these are the faster and more accurately a value can be derived This is hidden when the variable does not need to be solved with an iterative process See Creating Templates How the Solver Works for more information 4 4 6 Sharing Templates amp Data This section discusses sharing templates and template data Export Beam Palm OS export beam templates or its data e Select the template to share e Choose E
100. er Examples AmSumInt 1 12 150000 0 6 899 325 360 12 12 0 2 true returns 8 949 87 AmSumint 1 12 150000 0 6 899 325 360 12 12 0 2 false returns 8 949 87 5 4 7 Amortization Principal Paid AmSumPrn first last PV FV 1 PMT N Returns the summation of principal paid given a range of periods This function is only available if the finance library is installed first calculate starting with this period last calculate ending with this period PV present value Positive values mean a cash inflow while negative numbers mean a cash outflow FV future value Positive values mean a cash inflow while negative numbers mean a cash outflow I yearly interest rate expressed as a percentage PMT periodic payment amount Positive values mean a cash inflow while negative numbers mean a cash outflow e N total number of periods Category finance Input Modes solver Examples AmSumPrn 1 12 150000 0 6 899 325 360 returns 1 842 09 AmSumPrn first last PV FV 1 PMT N P Y C Y B round Returns the summation of principal paid given a range of periods This function is only available if the finance library is installed Same variables as above except P Y payment periods per year If not included it is assumed to be 12 C Y interest compounding periods per year If not included it is assumed to be 12 B payment timing 0 for end of period 1 for beginning of period If not included it
101. er of interest only periods before beginning amortization initialRatePeriods number of periods at initial rate before first rate adjustment rateAdjlnterval number of periods between subsequent rate adjustments 12 means adjustments will be made on period 13 25 37 etc firstRateAdjUpLimit upper limit for first rate adjustment expressed as a percentage firstRateAdjDownLimit lower limit for first rate adjustment expressed as a percentage periodRateAdjUpLimit upper limit for rate adjustment per subsequent period expressed as a positive percentage periodRateAdjDownLimit lower limit for rate adjustment per subsequent period expressed as a positive percentage annualRateAdjUpLimit upper limit for total rate adjustments per loan year expressed as a positive percentage annualRateAdjDownLimit lower limit for total rate adjustments per loan year expressed as a positive percentage totalRateAdjUpLimit upper limit for total rate adjustments over life of loan expressed as a positive percentage totalRateAdjDownLimit lower limit for total rate adjustments over life of loan in expressed as a positive percentage Category finance Input Modes solver ArmSumPrnffirst last PV FV startRate startPmt N P Y C Y round flipSign rateDelta interestOnlyPeriods initialRatePeriods rateAdjlnterval firstRateAdjUpLimit firstRateAdjDownLimit periodRateAdjUpLimit periodRateAdjDownLimit annualRateAdjUpLimit annualRateAdjDownLimit totalRateAdj
102. erest rate When calculating an interest rate with Total 12 000 00 IRR or MIRR the reported interest rate will be on a yearly basis E the number of periods per year entered times the rate Done Clear Calculations e NPV The net present value NPV method computes the amount gained or lost on a given investment in today s dollars This uses a market rate of return interest per year to discount cash flows back to the present Assuming an initial cash outflow a positive NPV means the investor s assets would increase and the investment should be attractive A negative NPV means that the investor s assets would decrease and the investment is not attractive If NPV is zero then the investor would probably be neutral to the investment If the initial cash flow is an inflow the reverse would be true IRR The internal rate of return IRR computes the rate at which the investment pays for itself This can be compared against a desired rate of return If the IRR is greater than a desired rate the investment may be attractive The internal rate of return method does not take interest per year or periods per year into consideration when calculating The internal rate of return calculation is very complicated Calculating IRR uses an iterative approach to solving the problem and if there is an answer may take quite some time to calculate A few caveats to calculating internal rate of return exist First long calculations may be interrupted because a
103. ers are available for free download from Infinity Softworks web site www infinitysw com finance 1997 2005 Infinity Softworks Templates 82 4 6 4 6 Multiple Answers Some equations offer more than one answer to a problem lf statements and solving make the problem possible Preferences also need to be adjusted to make sure calculations are performed in the appropriate range The Example This example calculates both the positive and negative values of x when y is equal to x 3 In this case the formula is 0 if solving PosX y PosX 2 3 y NegX 2 3 See the IF Statement and Solving Statement examples for more on using these functions in solver equations Creating the Template 1 Launch the software The main calculator should be visible 2 Select the Template button The Template button is third from the left across the top of the main calculator The Template List should be visible 3 Select New Template near the bottom of the list 4 Enter Quadratic no quotes for the name 5 Enter 0 if solving PosX y PosX 2 3 y NegX 2 3 no quotes for the equation e equals is on the right side of the keypad next to plus e if solving and comparison equals are available by selecting f x then bool e Quotes are on the right side of the keypad next to equals e Semi colon is on the left side of the keypad below f x 6 Select OK to finis
104. es prod 1 2 3 4 5 returns 120 prod 1 2 3 3 4 5 returns 360 5 9 13 Profitability Index CfoProf I CFAmntList Returns the profitability index of the given cash flow This function is only available if the finance library is installed e 1 periodic interest rate as a percentage e CFAmntList list containing cash flow amounts where the first element is the initial cash flow e CFFreqList list in which each element specifies the frequency of occurrence for a consecutive cash flow amount in CFList Category finance Input Modes solver Examples CfoProf 12 5000 4000 3000 3000 returns 1 62 CfoProf I CFAmntList CFFreqList same as above Category finance Input Modes solver Examples CfoProf 12 5000 4000 3000 1 1 2 returns 1 62 5 9 14 1st Quartile The matematics community has several methods for computing the first and third quartiles powerOne Finance uses Tukey s method which includes the median in the quartile calculation This may be different on other calculators quartile1 datalist Returns the first quartile of a list or vector e datalist a list containing values used in the calculation Data Types table matrix Category stats Input Modes algebraic Examples quartile1 1 2 3 4 5 returns 2 quartile1 datalist occlist Same as above except O 1997 2005 Infinity Softworks Functions 142 e occlist a list the same size as dat
105. fe in years of the depreciable asset M first month to begin depreciating 1 is January 12 is December Y year to calculate R depreciation rate expressed as a percentage Category finance Input Modes solver Examples DepDBBV 150000 20000 20 6 3 200 returns 114 412 50 DepDBDA 150000 20000 20 6 3 200 returns 12 712 50 DepDBDV 150000 20000 20 6 3 200 returns 94 412 50 5 6 5 Degrees to DMS Conversion dms value Returns equivalent in dd mmss degrees minutes seconds of value degrees Data Types integer floating point table Category number Input Modes solver RPN order of operations chain Examples e Solver Input Mode dms 90 50 returns 90 30 dms 44 6333 121 1333 returns 44 376 121 076 e Order of Operations and Chain Input Modes 90 50 dms returns 90 30 e RPN Input Mode 90 50 dms returns 90 30 5 6 6 Degrees to Radians Conversion radians value Returns equivalent in radians of value degrees O 1997 2005 Infinity Softworks Functions 112 Data Types integer floating point table Category trig Input Modes solver RPN order of operations chain Examples e Solver Input Mode radians 360 returns 6 2832 e RPN Order of Operations and Chain Input Modes 360 radians returns 6 2832 5 6 7 Derivative nDeriv expression variable value Returns an approximate numerical derivative of expression with respect to variable at value This function use
106. ferences set to Degrees 1997 2005 Infinity Softworks Functions 98 5 4 13 ARM Amortization End Balance ArmEndBal period PV FV startRate startPmt N rateDelta interestOnlyPeriods initialRatePeriods rateAdjlnterval firstRateAdjUpLimit firstRateAdjDownLimit periodRateAdjUpLimit periodRateAdjDownLimit annualRateAdjUpLimit annualRateAdjDownLimit totalRateAdjUpLimit totalRateAdjDownLimit Returns the ending principal balance of the given period for an adjustable rate loan This function is only available if the finance library is installed period the period to calculate the ending principal balance PV present value Positive values mean a cash inflow while negative numbers mean a cash outflow See FV future value Positive values mean a cash inflow while negative numbers mean a cash outflow startRate initial interest rate used until first adjustment is made expressed as a percentage startPmt initial payment used until first adjustment is made Positive values mean a cash inflow while negative numbers mean a cash outflow N total number of periods rateDelta simulated interest rate change per year expressed as a percentage interestOnlyPeriods number of interest only periods before beginning amortization initialRatePeriods number of periods at initial rate before first rate adjustment rateAdjlnterval number of periods between subsequent rate adjustments 12 means adjustments will be made
107. ftworks Functions 152 5 11 13 Stack There are special functions for manipulating the stack These functions can be reached by tapping an item pushed onto the stack or choosing category Stack from the function list and then selecting the desired function If an item is selected on the stack the function selected will adjust based on that item If a stack function is selected from the function list the first item on the stack will be the focal point Drop throws out the item Duplicate dup copies the item into register 0 view window entry line pushing all others up Move removes the item from its location in the stack and places it in register 0 view window entry line Rotate rot moves the stack in a clockwise direction Rotate Rvrs rotr moves the stack in a reverse or counter clockwise direction Swap swaps the item with the contents of register 0 view window entry line Category stack or available by selecting an item on the stack Input Modes RPN 5 11 14 Standard Deviation stdDev datalist occlist Returns the sample standard deviation of the list datalist occlist is an optional argument that can contain a list of occurences corresponding to the values in datalist e datalist a list containing values used in the calculation e occlist a list the same size as datalist containing the number of occurrences of each corresponding value in datalist occlist is optional for algebraic input mode
108. g point table Category number Input Modes solver RPN order of operations chain Examples e Solver Input Mode abs 15 6 returns 15 6 e Order of Operations and Chain Input Modes 15 6 abs returns 15 6 e RPN Input Mode 15 6 ENT abs returns 15 6 5 4 2 Addition valueA valueB Returns valueA plus valueB Data Types boolean integer floating point date table Category not applicable Input Modes solver RPN order of operations chain Examples e Solver Input Mode 5 4 returns 9 3 2 4 6 returns 7 8 e Order of Operations and Chain Input Modes 4 5 returns 9 3 2 4 6 returns 7 8 e RPN Input Mode 4 ENT 5 returns 9 3 2 ENT 4 6 returns 7 8 92 O 1997 2005 Infinity Softworks 93 powerOne Finance 5 4 3 Adjust Date adjdate date days This function can only be used within a formula the returned value cannot be viewed in a template Returns a date type containing date plus or minus a number of days date is a date type or a double containing the date in dd mmyyyy format Category date Input Modes solver Examples adjDate today 6 returns 7 26 03 3 15 pm given today s date of 08 01 03 at 3 15 in the afternoon adjDate today 2 5 returns 8 4 03 03 15 am given today s date of 08 01 03 at 3 15 in the afternoon adjdate date days months years Same as above except adds months and years to the calculation Category date Input Modes
109. g the Template 1 Launch the software The main calculator should be visible 2 Select the Template button The Template button is third from the left across the top of the main calculator The Template List should be visible 3 Select New Template near the bottom of the list 4 Enter Inflation no quotes for the name 5 Enter FutureVal PresentVal 1 Inflation 100 Years no quotes for the equation e equals is on the right side of the keypad e power is available by selecting f x then math then y 6 Select OK to finish The Inflation template should be visible Calculate Purchasing Power 7 Enter 5 000 for the present value e select 0 00 next to PresentVal e enter 5000 in the pop up calculator using the keypad e select the save y button 8 Enter 4 inflation e select 0 next to Inflation e enter 4 in the pop up calculator using the keypad e select the save y button 9 Enter 5 years e select 0 next to Years e enter 5 in the pop up calculator using the keypad e select the save Y button 10 Calculate the future value e select the button on the same line as FutureVal e the cost after 5 years is 6 083 26 For more on formatting variables see the Templates Using the Templates Variable Preferences section This template and others are available for free download from Infinity Softworks web site www infinitysw com finance 4 6 4 2 Constant Acceleration This e
110. ges The problem to calculate what is the monthly payment to pay off a 300 000 mortgage at 6 75 interest over 30 years Creating the Template 1 Launch the software The main calculator should be visible 2 Select the Template button The Template button is third from the left across the top of the main calculator The Template List should be visible 3 Select New Template near the bottom of the list 4 Enter Mortgage no quotes for the name 5 Enter Payment tvmpmt Years 12 IntRate Mortgage 0 12 12 0 no quotes for the equation e negative and minus are the same It is on the right side of the keypad e equals is on the right side of the keypad e TVM payment tvmpmt is available by selecting f x then finance at the bottom of the list If the category finance is not available the finance library may not be installed Reinstall the finance library to complete this problem 6 Select OK to finish The mortgage template should be visible Calculate Monthly Payment 7 Enter 30 years e select 0 next to Years e enter 30 in the pop up calculator using the keypad e select the save Y button 8 Enter 6 75 interest rate e select 0 next to IntRate e enter 6 75 in the pop up calculator using the keypad e select the save y button 9 Enter a 300 000 mortgage e select 0 next to Mortgage e enter 300000 in the pop up calculator using the keypad e select the save Y button 10 Calculate
111. gory date Input Modes solver Examples makedate 20 071969 22 5600 returns 7 20 69 3 52 pm 5 8 14 Maximum max valueA valueB If given a series of values or a list returns the largest value in the list If given a series of lists of equal length returns the largest value of each position within the list valueB is optional Data Types integer floating point date table Category stats Input Modes solver Examples max 2 4 6 5 3 returns 6 max 1 2 3 4 5 returns 5 max 1 2 3 4 5 3 6 2 1 8 returns 3 6 3 4 8 5 8 15 Maximum Function fMax expression variable lower upper Uses an iterative method to determine the value of an independent variable for which the local maximum of an expression occurs The possible values for the independent variable are limited to a range bracketed by the provided upper and lower limits This function uses the tolerance constant expression the expression to analyze Must be in quotations variable the independent variable within the expression Must be in quotations lower lower limit of the range to analyze upper upper limit of the range to analyze Category calc Input Modes algebraic Examples e Algebraic Input Mode fMax x 2 x 3 3 returns 0 0001 fMax expression variable lower upper e Same as above except e e tolerance This is optional If it is not included it defaults to 10 Smaller values may
112. h The quadratic template should be visible 7 Turn off auto solve in the template preferences e select the menu button below the Applications button or on some devices select the title bar choose the Options menu select Template Prefs uncheck Auto Compute select OK The sales tax template should be visible 8 Adjust the range for PosX and NegX The solver usually finds positive results first Adjust the range to force the negative answer e select the menu button below the Applications button or on some devices select the title bar choose the Options menu select Variable Prefs select y next to Variable choose PosX change Range Min to 0 by selecting the arrow to the right of min and selecting 0 select PosX next to Variable choose NegX change Range Max to 0 by selecting the arrow to the right of max and selecting 0 Calculate the Positive X Value 9 Enter 9 for y e select 0 next to y e enter 9 in the pop up calculator using the keypad e select the save y button 10 Calculate the positive x value e select the button on the same line as PosX e the positive x value is 3 46 1997 2005 Infinity Softworks 83 powerOne Finance Calculate the Negative X Value 10 Calculate the negative x value e select the button on the same line as NegX e the negative x value is 3 46 For more on formatting variables see the Templates Using the Templates V
113. he save y button 13 Calculate the monthly payment e select the button on the same line as NetPay e the net pay is 3 120 For more on formatting variables see the Templates Using the Templates Variable Preferences section This template and others are available for free download from Infinity Softworks web site www infinitysw com finance 4 6 4 5 Solving Statements Solving statements are used in connection with if statements to offer multi equation calculation capabilities The Example This example calculates both the final price of a product with sales tax and the sale tax itself The equation for calculating the final price is FinalPrice Cost 1 TaxRate or 0 Cost 1 TaxRate FinalPrice The equation for calculating the tax amount is TaxAmt Cost TaxRate or 0 Cost TaxRate TaxAmt where Cost is the cost of the good or service TaxRate is the tax rate expressed as a percentage 4 instead of 04 FinalPrice is the final price of the good or service with sales taxes TaxAmt is the amount of the sales tax On a 29 99 purchase in a state with 7 25 sales tax what is the final price of the product and how much is paid in sales tax In this case the formula is 0 if solving Cost solving FinalPrice Cost 1 TaxRate FinalPrice Cost TaxRate TaxAmt The format for if solving statements is if solving variable do this otherwise do this To bre
114. how just their corresponding data type 299 792 458 000 2 7183 B Data Listing each data line shows the variable s name to 0 0000 the left and the value of that variable to the right Select a 9 8066 data line to show options 0 0000 e Use select to recall the value to the main calculator In B i 0 0000 1 0000 RPN input mode this pushes the data item onto the 8 987 551 787 37 stack In order of operations and chain input modes it M 3x1 d returns the value Data items can also be found by selecting the cnst or vars category in the function list 0 0000 e Edit shows the data editor See the appropriate Types of 0 0000 Data section for more information on creating and editing 0 0000 data Export Beam select to show export and beam options for c the data item See the Sharing Data section for more information e Delete select to delete the data item e Duplicate select to make a copy of the data item e Notes display notes pertaining to the selected data item C Buttons to create a new data item select New and choose the type of data to create For more information on each type of data see its corresponding discussion within this section To import data select Import See the Sharing Data section for more information Select Done to leave My Data 1 4 1 1 Variables Variables are individual values This section discusses single value variables New Edit Variables from My Data O 1997 2005 Infinity Softworks
115. i 86 q PACCOSSIING E E ed ues asus A E E T 86 3 SV IMDON Chd r aa a ea T aaa a cate eaa aaa a a eaaa aa aaa aa Naa aoaaa ra aa aaan 87 AAB o E a a a aa a a 92 A A O iniisa paai 92 A A P Arare a Tae Eea aAA eaa Aaa AEAEE Aea rake Eaa e aaeh aeaaea Rapana raean E ATAR Enara 92 AdjustDate cevicscisciectsccnsiscendancesesscvenssacidenersaurcaisenauesceusstussdusesocseaessdusundsractucoaiesdducusessebsevseieadseondssacbeeidesdesacbeavars ind 93 ACJUSt TIME OO on neo 93 Amortization End Balance 93 Amortization Interest Pail e222 ae t ra raaa re aaae a Eaa E Taaa raaa a aan E Peen a Eara EA raea Eu anaE NaNe 94 Amortization Principal Paid o n nnnninnicnncnnccnsnncccc er 95 And Angle Arc Cosine Arc Sine NE no A O 97 ARM Amortization End Balance 2 2 c5c33 2 lt c0cencerzcscezcesterscesuseneene cesencenncaceidzaceuesestactzaadcndecher pddadsxtetedeedsivestacesesteniaenees 98 ARM Amortization Interest Pad sentando dida 99 ARM Amortization Principal Paid oonnnnninninnnninncnnnnccnrrrrrr rn 101 2 Tel 6 eLo o E ES o O NA 103 Bond Accrued Interest io seseccsscssacsaceccceuciessesccedcesecccacesceascadsaceus seccaidebecdiiseccecaenccssccete ecceedsenteiasccuesensei svacuesseccsTstennanie 103 Bond Price Bond Yield Boolean Convert TO lt sscccsicessnitacssccsssareccecsexssacstsessunccieeveocrdeceivesrectesseteentuestessanucveescesevacesstereutesciersceedecessteeecieserveces 104 Braces J O OO 105 5S rai ii a Nolwe
116. ife Salvage 0 00 e Life the length of time the asset will be in service Life 5 e Month 1 the first month the asset will be placed in service Month 1 6 5 where January is 1 and December is 12 Entering 6 5 for oo Ma EN example means the asset was placed into service half way 7 eae j x ep Amount 17 333 33 through the sixth month approximately June 15 Book Val 62 666 67 e Dep Rate the declining balance rate This is used in DB and Dep Val 62 666 67 DB x SL calculations This is entered as a percentage For example 200 declining is entered as 200 Year year to calculate depreciation e Dep Amount amount of depreciation for the year Done Clear e Book Val original cost of the asset less accumulated depreciation Accumulated depreciation is the total depreciation taken through the calculated year This is the value of the asset remaining on the company s books e Dep Val depreciation value This is the book value less the salvage value for the asset Because an asset can begin depreciation on a date other than the first of the year the calendar life may be greater than the amount entered for Asset Life For instance if an asset is expected to have a useful life of 3 years beginning in March the third month the last calendar year is actually the fourth year Year 1 Year 2 Year 3 Year 4 3 Year Asset Life A Calculation Methods The straight line SL method depreciates the same amount every year of the a
117. imit totalRateAdjDownLimit initialPmtPeriods pmtAdjlnterval periodPmtAdjUpLimit annualPmtAdjUpLimit totalPmtAdjUpLimit negativeAmort negativeAmortLimit Returns the total principal paid for the given periods for an adjustable rate loan This function is only available if the finance library is installed This function includes all variables as defined above 5 4 16 Backspace tft Moves backwards one space deleting the item before the cursor in algebraic and RPN input mode or the last entered number in order of operations and chain input modes Category not applicable Input Modes solver RPN order of operations chain Examples 345 67 shows 345 6 5 4 17 Bond Accrued Interest BondA SD MD C Y CR Returns the accumulated interest of a bond This function is only available if the finance library is installed e SD settlement date entered in dd mmyyyy format e MD maturity date entered in dd mmyyyy format e CY number of compounding interest periods per year 1997 2005 Infinity Softworks Functions 104 e CR coupon rate expressed as a percentage Category finance Input Modes solver Examples BondA 1 012003 15 122010 4 6 returns 0 283 5 4 18 Bond Price BondP SD MD C Y CR RV Y Returns the price of a bond This function is only available if the finance library is installed SD settlement date entered in dd mmyyyy format MD maturity date entered in dd mmyyyy format CY numbe
118. inance library is installed Same variables as above except e P Y payment periods per year If not included it is assumed to be 12 e C Y interest compounding periods per year If not included it is assumed to be 12 e round decimal places to round the end balance to as it calculates If not included it is assumed to be 2 e flipSign If not included it is assumed to be false Category finance Input Modes solver ArmSumint first last PV FV startRate startPmt N rateDelta interestOnlyPeriods initialRatePeriods rateAdjlnterval firstRateAdjUpLimit firstRateAdjDownLimit periodRateAdjUpLimit periodRateAdjDownLimit annualRateAdjUpLimit annualRateAdjDownLimit 1997 2005 Infinity Softworks 101 powerOne Finance totalRateAdjUpLimit totalRateAdjDownLimit initialPmtPeriods pmtAdjlnterval periodPmtAdjUpLimit annualPmtAdjUpLimit totalPmtAdjUpLimit negativeAmort negativeAmortLimit Returns the sum of the interest for the given periods for an adjustable rate loan This function is only available if the finance library is installed This function excludes P Y C Y round and flipsign and adds the following variables e initialPmtPeriods number of periods at initial payment value before first payment adjustment If not included it is assumed to be 0 pmtAdjlnterval number of periods between subsequent payment adjustments 12 means adjustments will be made on period 13 25 37 etc If not incl
119. indow This mode follows standard entry where numbers are entered in order of appearance and a final calculation is performed when is selected Order of operations is ignored opting instead to evaluate as numbers are entered and operands are selected To calculate 27 3 x 8 5 Key Display Comments CE C Clears the current calculation 27 27 27 3 3 Xx 30 8 5 8 5 255 The following keys can be used to interact with the calculator Character Function Character Function 0 Zero lt back gt Backspace 1 One c or lt back gt C CE 2 Two Add 3 Three Subtract 4 Four X or Multiply 5 Five Divide 6 Six or lt return gt Equals Enter 7 Seven Lt Paren 8 Eight Rt Paren 9 Nine s Windows only Store or Decimal Pt r Windows only Recall n Sign f Windows only Shows function list e Exponent O 1997 2005 Infinity Softworks Using the Calculator 12 1 2 3 1 Display A View Window number display area B Status Indicators e Shift Indicator Standard Palm OS Graffiti shift indicator Palm OS only Clear Clear serves two functions in this mode Selecting it once displays the clear indicator and clears only the number currently being entered Selecting it the second time clears the entire calculation If the status indicator clear appears the currently entered number has been cleared e Deg
120. ip How much was the tip If the bill were split evenly what does each colleague have to pay Go to the Tip Template 1 Launch the software The main calculator should be visible 2 Select the Template button The Template button is third from the left across the top of the main calculator The Template List should be visible 3 Open the Business category by selecting its name 4 Open the Tip template by selecting its name The Tip template should be visible Calculate Tip Amount and Total Bill 5 Enter 78 45 for the bill e select 0 00 next to Bill e enter 78 45 in the pop up calculator using the keypad e select the save y button 6 Enter a 20 tip e select 15 next to Tip e choose 20 from the list 7 Calculate the tip amount e select the button on the same line as Tip e the tip amount is 15 69 8 Calculate the total bill e select the button on the same line as Total e the total bill is 94 14 Split the Bill 8 Enter 4 for the number of people e select 1 next to People e enter 4 in the pop up calculator using the keypad e select the save Y button 9 Calculate the total per person e select the button on the same line as Ttl Person e the total per person is 23 53 Template Options Help Method Select Bill 78 45 Tip 20 Tip 15 69 Total 94 14 People 4 Ttl Person 23 53 Done Clear 1997 2005 Infinity Softworks Templates 28
121. is assumed to be 0 round decimal places to round the end balance to as it calculates If not included is assumed to be 2 1997 2005 Infinity Softworks Functions 96 Category finance Input Modes solver Examples AmSumPrn 1 12 150000 0 6 899 325 360 12 12 0 2 returns 1 842 09 AmSumPrn first last PV FV 1 PMT N P Y C Y B round sign Returns the summation of principal paid given a range of periods This function is only available if the finance library is installed Same variables as above except e sign set to false to leave the sign of the answer in the outputted format Set to true to swap the sign Category finance Input Modes solver Examples AmSumPrn 1 12 150000 0 6 899 325 360 12 12 0 2 true returns 1 842 09 AmSumPrn 1 12 150000 0 6 899 325 360 12 12 0 2 false returns 1 842 09 5 4 8 And valueA amp amp valueB Returns true if both valueA and valueB are true Data Types boolean Category bool Input Modes solver Examples 0 amp amp 5 returns false 1 amp amp 5 returns true 5 gt 3 amp amp 5 lt 3 returns false 5 3 amp amp 6 4 returns true 5 4 9 Angle Angle is the same as theta See Rectangular to Polar Conversion for more information 5 4 10 Arc Cosine acos value Returns arc cosine of value Data Types integer floating point table Category trig Input Modes solver RPN order of operati
122. ive values mean a cash inflow while negative numbers mean a cash outflow N total number of periods Category finance Input Modes solver Examples AmEndBal 240 150000 0 6 899 325 360 returns 81 003 52 AmEndBal period PV FV 1 PMT N P Y C Y B round Returns the ending principal balance of the given period This function is only available if the finance library is installed Same variables as above except P Y payment periods per year If not included it is assumed to be 12 C Y interest compounding periods per year If not included it is assumed to be 12 B payment timing 0 for end of period 1 for beginning of period If not included it is assumed to be 0 round decimal places to round the end balance to as it calculates If not included is assumed to be 2 Category finance Input Modes solver Examples AmEndBal 240 150000 0 6 899 325 360 12 12 0 2 returns 81 003 52 5 4 6 Amortization Interest Paid AmSumint first last PV FV 1 PMT N Returns the summation of interest paid given a range of periods This function is only available if the finance library is installed e first calculate starting with this period last calculate ending with this period PV present value Positive values mean a cash inflow while negative numbers mean a cash outflow FV future value Positive values mean a cash inflow while negative numbers mean a cash outflow I yearly interest rate expressed
123. l row to calculate You can afford a home with a price of 114 401 87 Mortgage with a Balloon Payment Continued from Home Mortgage You realize that you will only own the house for about 5 years and then sell it How much will the balloon payment the repayment to the bank be Variable Enter Comments Periods 60 5 years at 12 periods per year Select in the Future Val row to calculate The balloon payment will be 109 469 92 after five years Canadian Mortgage Canadian mortgages compound interest twice per year instead of monthly What is the monthly payment to fully amortize a 30 year 80 000 Canadian mortgage if the interest rate is 12 1997 2005 Infinity Softworks 67 powerOne Finance Variable Enter Comments Tap the Clear button Sets the display to its default values Pmt Timing End Loans payments at the end of the period Choose from the list Present Val 80 000 Positive because cash inflow Future Val 0 Intrst Yr 12 00 Periods 360 30 years at 12 periods per year Periods Yr 12 Cmpnds Yr 2 Select in the Payment row to calculate The payment will be 805 11 It is negative because it is a cash outflow Bi Weekly Mortgage Payments A buyer is considering a 100 000 home loan with monthly payments an annual interest rate of 9 and a term of 30 years Instead of making monthly payments the buyer realizes that he can build equity faster by
124. lator Power Power of 10 powerOne Button Precision Preferences Chain Order of Operations RPN Present Value Price Principal prod Product Profit Profitability Index Programmable Bar Programmable Buttons Proton Mass Purchase Date 158 136 63 136 56 1 2 43 136 63 70 40 63 55 137 55 52 59 63 137 43 59 63 138 17 43 63 138 3 139 139 3 30 1 2 13 12 9 6 59 63 140 40 42 58 70 140 140 42 43 141 1 15 17 40 Quantity Quartile quartile1 quartile3 Quotation Marks R radians Radians to Degrees Conversion rand randint Random Integer Random Number Range Rate RCL real Real Numbers Recall Reciprocal Rectangular to Polar Conversion Redemption Date Redemption Value Regression Restricted Data Names rnd Root rot Rotate Rotate Rvrs rotr Round RPN RPN Input Mode ae Sales Tax Salvage Save Button sec Secant Select All Semi Colon 42 36 37 141 142 141 142 143 17 111 143 144 143 143 144 31 36 37 48 20 138 22 20 144 145 40 40 37 158 146 145 6 152 6 152 6 152 6 152 146 59 49 147 147 147 166 1997 2005 Infinity Softworks 167 powerOne Finance Seq 147 Sequence Evaluation 147 Settlement Date 40 Sharing Data 18 Sharing Templates amp Data 32 Shift Indicator 5 9 12 Show 148 Sigma 148 Sign 149 sin 149 Sine 149 Single Payment Future Val
125. list and then selecting the desired function If an item is selected on the stack the function selected will adjust based on that item If a stack function is selected from the function list the first item on the stack will be the focal point e Drop deletes the item e Duplicate dup copies the item into register 0 view window entry line pushing all others up e Move removes the item from its location in the stack and places it in register 0 view window entry line e Rotate rot moves the stack in a clockwise direction e Rotate Rvrs rotr moves the stack in a reverse or counter clockwise direction e Swap swaps the item with the contents of register 0 view window entry line 1 2 1 3 Preferences The following preferences are available in RPN input mode See the Using the Calculator Preferences section for more information e Stack Size 4 or 11 registers Includes register O view window entry line e Decimal Setting float or 0 through 11 e Display Mode normal scientific or engineering notation e Trig Mode degrees or radians 1 2 1 4 Functions Different input modes offer different functions This lists the available functions for RPN input mode To learn how to see a complete list of functions organized by category see the Using the Calculator Interface Overview section To learn more about an individual function see the Functions section math 1 x log mod x 10 gcd y X5 Icm In Vx
126. lue Universal Gas Constant Unknown function Unknown variable usfv Using Data in Multiple Templates Using the Solver Using the Templates uspv V var Variable Variable Cost Variable is constant Variable Preferences Variables Variance varP View Window Volume W Weighted Average Whole Number wkday Year Yield 158 156 157 17 158 158 156 83 74 27 157 157 28 31 42 158 31 16 36 37 157 157 4 72 36 22 109 49 40 168 O 1997 2005 Infinity Softworks
127. lvage value for the asset at the end of the given year Depreciation amount returns the amount that the asset depreciated during the given year Depreciation value returns the remaining total depreciable value for the asset at the end of the given year All three are calculated using the straight line method of depreciation This function is only available if the finance library is installed C cost of the depreciable asset S salvage value of the depreciable asset L life in years of the depreciable asset M first month to begin depreciating 1 is January 12 is December Y year to calculate Category finance Input Modes solver Examples DepSLBV 150000 20000 20 6 3 returns 133 208 33 DepSLDA 150000 20000 20 6 3 returns 6 500 DepSLDV 150000 20000 20 6 3 returns 113 208 33 5 11 16 Subtraction valueA valueB returns valueA minus valueB Data Types boolean integer floating point date table Category not applicable Input Modes solver RPN order of operations chain Examples e Solver Input Mode 9 32 4 89 returns 4 43 15 22 8 89 6 returns 9 16 2 83 Order of Operations Input Mode 9 32 4 89 returns 4 43 e Chain Input Mode 9 32 4 89 returns 4 43 e RPN Input Mode 9 32 ENT 4 89 returns 4 43 1997 2005 Infinity Softworks Functions 154 5 11 17 Sum of the Year s Digits Depreciation DepSOYDBV C S L M Y Book Value DepSO
128. lying on a minimum and maximum guess to bracket the answer An equation is said to be in balance when tabulated the value to the left of the equals sign is the same as the value to the right of the equals sign In its simplest form an iterative solver determines a mid point between a maximum and minimum guess and evaluates the equation at all three points It then decides which two points the equation is between the mid point and minimum guess or mid point and maximum guess and calculates a new mid point based on those two points It continues this cycle until it guesses the right answer Although the solver is more advanced than this it is similar in nature Generally calculations are completed in less than a second If the calculation is more complicated however a Computing dialog will appear Guesses made by the solver flash on the screen lf the Cancel button is selected the answer will return as the last guess To speed execution and increase the likelihood of an answer change the max and min range settings in the Variable Preferences See the Using the Templates Variable Preferences section for more information In some cases the solver can calculate an answer directly without iterating to an answer In this case max and min range settings are not available 4 6 3 Solver Limitations Certain functionality offered with included templates is not available with solver created ones Commonly requested one are listed here
129. m select Notes or enter them in the appropriate field 1 4 1 2 Constants Constants are defined variables that cannot be altered If a new data item is created with the same name as a constant a warning will appear before saving the new data A number of constants are included automatically New Edit Constants from My Data Constants are entered from My Data Select New for a new constant Select a constant from the My Data data list and choose Edit to edit the constant Name eps A Name constant s name The name consists of letters capital Value or lower case and optionally numbers 0 9 A name cannot start 299 748 653 32 with a number Note that the name is case sensitive meaning that constant abc is different from constant ABC See the Appendix Restricted Data Names section for names that should not be used B Value constant s value Values can be entered either as a number e g 3 5 or as an expression e g 3 5 516 If entered as an expression it will be evaluated before storing For instance if 3 5 5 6 were entered that variable would be stored as 54 687 5 C Constant type of data to store D Keypad keypad for easy entry RCL displays the memory location list f x displays the list of functions organized by category This is the same as the main calculator s list except category MEM is added memory store recall and clear 1997 2005 Infinity Softworks Using the Calculator 18
130. making bi weekly payments every two weeks How long will it take to pay off the loan Part 1 Calculate the monthly payment Variable Enter Comments Tap the Clear button Sets the display to its default values Pmt Timing End Choose from the list Present Val 100 000 Future Val 0 Intrst Yr 9 00 Periods 360 30 years at 12 periods per year Periods Yr 12 Cmpnds Yr 12 Select in the Payment row to calculate Calculating shows payment equal to 804 62 It is negative because it is a cash outflow Part 2 Periods when making bi weekly payments continued Variable Enter Comments Payment 402 31 Recall payment in the input screen and divide it by 2 Periods Yr 26 Bi weekly payments mean 26 per year Cmpnds Yr 12 Still compounding interest monthly Select in the Periods row to calculate Calculating shows periods equal to 567 40 periods 567 40 26 21 82 years APR of a Loan with Fees The Annual Percentage Rate APR is the interest rate when fees are included with the O 1997 2005 Infinity Softworks Templates 68 mortgage amount Because the fees increase the cost of the loan the effective interest rate on the borrowed amount is higher For example a borrower is charged two points for the issuance of a mortgage one point is equal to 1 of the mortgage amount lf the mortgage amount is 60 000 for 30 years with an interest rate of
131. mbers mean a cash outflow This function is only available if p1 Finance Lib is installed FV future value Positive values mean a cash inflow while negative numbers mean a cash outflow PMT periodic payment amount Positive values mean a cash inflow while negative numbers mean a cash outflow I yearly interest rate expressed as a percentage N total number of periods Category finance Input Modes solver Examples tvmpv 240 5 120 300 returns 18 293 63 tvmpv N 1 PMT FV P Y C Y B Returns the present value of a time value of money TVM problem Positive values mean a cash inflow while negative numbers mean a cash outflow This function is only available if p1 Finance Lib is installed Same variables as above except e P Y payment periods per year If not included it is assumed to be 12 e C Y interest compounding periods per year If not included it is assumed to be 12 e B payment timing 0 for end of period 1 for beginning of period If not included it is assumed to be 0 Category finance Input Modes solver Examples tvmpv 240 5 120 300 12 12 0 returns 18 293 63 5 9 12 Product prod list Returns the product of elements in list In other words each elements is multiplied together List may be a table or matrix of integer double or complex data types Data Types table Category stats 1997 2005 Infinity Softworks 141 powerOne Finance Input Modes solver Exampl
132. me length meaning that each payment is the same amount This could differ for Cash Flow template problems as explained above because of the possibility for varying sized cash flows Assume that at the end of the series of cash flows there was some larger payment called a balloon payment to pay off this loan because the last cash flow is longer than the others All cash flow problems can be represented in this fashion with cash inflows and outflows viewed over some time period The following are examples of other types of cash flow or TVM problems Examples Leases PMTPMT PMT PMT PMT PMT PMT PMT tt tt ef Initial Market Wa hue Investment with regular deposits O 1997 2005 Infinity Softworks 47 powerOne Finance Future Valhe DEP DEP DEP DEP DEP DEP Initial Deposit Cash flow with one sign change CF Ch CFR CF CF CF 1997 2005 Infinity Softworks Templates 48 4 5 2 5 Currency Conversions This template is for Currency conversions Variables T Currency e Type 1 the unit type to convert from Template Options Help e Amount 1 the amount of the first type Type 1 US Dollar e Type 2 the unit type to convert to Amount 1 850 00 e Amount 2 the amount of the second type calculated Type 2 Yen e Rate conversion rate In general Amount 1 x Rate Amount Amount 2 97 112 50 2 Each time a currency conversion is calculated the Rate 114 25 conversion s rate is store
133. ment specifies the frequency of occurrence for a consecutive cash flow amount in CFList Category finance Input Modes solver Examples CfoCount 5000 4000 3000 3000 returns 3 CfoCount CFAmntList CFFreqList same as above Category finance Input Modes solver Examples CfoCount 5000 4000 3000 1 1 2 returns 3 CfoCount 5000 4000 3000 2 1 2 returns 4 See also Occurrences 1997 2005 Infinity Softworks 109 powerOne Finance 5 5 9 Cubed Root cbrt value Returns the cube root of value Data Types integer floating point table Category math Input Modes solver RPN order of operations chain Examples e Solver Input Mode cbrt 5 returns 1 71 cbrt 87 6 returns 4 4412 e Order of Operations Chain and RPN Input Modes 5 3x returns 1 71 87 6 x returns 4 4412 5 5 10 Cumulative Standard Normal Distribution NormSDist upperlimit call the area under the standard normal distribution curve mean 0 standard deviation 1 bounded by an upper imit Data Types integer floating point table Category distr Input Modes solver Examples e Solver Input Mode nDist 0 5 returns 0 6915 NormSDist 0 5 returns 0 6915 5 6 D F This section covers functions beginning with the letters D through F 5 6 1 Day of Week wkday date Returns a number representing the day of the week 1 Sunday 7 Saturday Date must be a date type or a value in dd mmyyyy f
134. ments Clear Sets the display to its default values Method Periodic Nominal 9 75 Cmpnds Yr 12 Compute the effective rate by selecting on the same line The first investment s effective rate is 10 20 lt has the better interest rate O 1997 2005 Infinity Softworks Templates 54 4 5 3 2 Length This template is for Length conversions It is in the Convert category For information on accessing this template see the Templates Accessing section For more on using templates in general see the Templates Using the Templates section Template Options Help i Type 1 Kilometers Variables Amount 1 1 000 e Type 1 the unit type to convert from Type 2 Miles Amount 1 the amount of the first type Amount 2 621 37119223733 Type 2 the unit type to convert to Amount 2 the amount of the second type Done Clear Example It is 1 000 kilometers from your home to your aunt s house How many miles is this Variable Enter Comments Tap the Clear button Sets the display to its default values Type 1 Kilometers Choose from the list Amount 1 1000 Type 2 Miles Choose from the list Select in the Amount 2 row to calculate may calculate automatically The conversion is 621 4 miles 4 5 3 3 Markup This template is for Markup calculations It is in the Business category For information on accessing this template see the Templates Accessing sectio
135. mi annual basis with a 30 360 day count method It will be redeemed at 100 of par and an annual yield of 13 75 What is the price and accrued interest Variable Enter Comments Clear Sets the display to its default values Date Basis 30 360 Pmt Basis Semi Annual Sett Date 8 14 04 August 14 2004 Mat Date 11 30 04 November 30 2004 Cpn Rate 13 Rdmptn Val 100 Yield 13 75 Compute the price by selecting on the same line The accrued interest computes automatically The price is 99 68 and the accrued interest is 2 67 1997 2005 Infinity Softworks Templates 4 5 2 3 Breakeven 42 For any company making a profit is the key to success By analyzing the relationship between revenues and expenses the levels at which a company has to operate in order to break even can be determined Breakeven is the point at which expenses equal revenues Until that point a company is operating at a loss Variables iF e Fixed Cost the fixed costs These are costs that are not E IBIEAKEYEN dependent on each unit sold An example is rent whether Oor Template Options Help 5000 units are sold the rent will always be the same Fixed Cost 500 000 00 e Var Cost the variable cost per unit These are costs that are Var Cost 115 00 dependent on each unit sold For instance shipping costs do not Price 245 00 occur unless a unit is sold Tax Rate 40 e Price the price per u
136. mit Returns the sum of the interest for the given periods for an adjustable rate loan This function is only available if the finance library is installed This function includes all variables as defined above 5 4 15 ARM Amortization Principal Paid ArmSumPrn first last PV FV startRate startPmt N rateDelta interestOnlyPeriods initialRatePeriods rate Adjlnterval firstRateAdjUpLimit firstRateAdjDownLimit periodRateAdjUpLimit periodRateAdjDownLimit annualRateAdjUpLimit annualRateAdjDownLimit totalRateAdjUpLimit totalRateAdjDownLimit Returns the total principal paid for the given periods for an adjustable rate loan This function is only available if the finance library is installed e first The start period to calculate the interest sum e last The start period to calculate the interest sum e PV present value Positive values mean a cash inflow while negative numbers mean a cash outflow 1997 2005 Infinity Softworks Functions 102 FV future value Positive values mean a cash inflow while negative numbers mean a cash outflow e startRate initial interest rate used until first adjustment is made expressed as a percentage startPmt initial payment used until first adjustment is made Positive values mean a cash inflow while negative numbers mean a cash outflow N total number of periods rateDelta simulated interest rate change per year expressed as a percentage interestOnlyPeriods numb
137. n For more on using templates in general see the Templates Using the Templates section Variables e Method computation based on price or cost Profit margin Template Options Help computations are based on price percent change computations are Method of Cost based on cost Cost 29 99 e Cost the cost to manufacture or purchase Price 37 49 e Price the selling or resale price Markup 25 00 e Markup the markup expressed as a percentage For example an 8 125 change would be entered as 8 125 A positive value Difference 7 50 represents an increase while a negative one represents a decrease e Difference the difference between the price and the cost Done clear Example The clothing is sold at a 25 markup on cost What is the price if the cost is 29 99 1997 2005 Infinity Softworks 55 powerOne Finance Variable Enter Comments Tap the Clear button Sets the display to its default values Method of Cost Choose from the list Cost 29 99 Markup 25 00 Difference 7 50 Select in the Price row to calculate The price is 37 49 4 5 3 4 Mass This template is for Mass conversions It is in the Convert category For information on accessing this template see the Templates Accessing section For more on using templates in general see the Templates Using the Templates section Variables Example Type 1 the unit type to convert from Amou
138. n by selecting its category and then the function itself At the bottom of the list are Category Calc Log Template and Empty Select Category to set the button to a Function Category Select Calc Log to set a button to the Calculation Log Select Template to set an individual template to a button requires a shortened name To leave the button blank select Empty On the Windows and Pocket PC versions choose a function by selecting it from the list At the bottom of the list are clog and templates Select clog to set a button to the Calculation Log Select Template to set an individual template to a button O 1997 2005 Infinity Softworks Using the Calculator 16 requires a shortened name Programmable buttons appear like other buttons in the main calculator 1 4 Memory amp Storage Storing data is important when performing advanced calculations Multiple methods are available for storing and moving data within this product and with other external sources Most are outlined in this section 1 4 1 My Data My Data displays created data whether functions variables or constants Stored data can be variables macros constants tables or matrices See the Using the Calculator Interface Overview section for more information on accessing My Data A Categories select the category name to choose a different display All shows all data at the same time whether variables functions or constants Other categories s
139. n iterative limit is exceeded within the calculator itself Errors may occur in other areas as well If there is no sign change within the cash flow problem an error will occur If the cash flow will yield a negative IRR amount an error will occur A negative IRR means that there is at least one negative answer and possibly multiple negative and positive answers to the same cash flow question In these situations the calculator will not display an answer Finally if there are multiple sign changes two or more within the same problem there may be multiple solutions Note that multiple sign changes may not give an answer for IRR Also if IRR is less than zero it does not give an answer on IRR The calculator gives the IRR closest to 0 but extreme caution should be used in basing an investment on this type of cash flow See the Understanding Cash NUS 1 053 02 1997 2005 Infinity Softworks Templates 44 Flows section for more information Another method for solving IRR problems is by estimating an interest per year value and calculating net present value NPV Internal rate of return is calculated by solving for NPV when it is equal to 0 With this in mind by estimating an interest per year amount you can solve for the internal rate of return The closer to a net present value of zero the more accurate the IRR estimate becomes e NFV The net future value NFV computes the future value of the net present value
140. nance 5 11 S This section covers functions beginning with the letter S 5 11 1 Secant sec value Returns secant of value Data Types integer floating point table Category trig Input Modes solver RPN order of operations chain Examples e Solver Input Mode sec 0 5236 returns 1 1547 when Trig Mode Preferences set to Radians sec 30 returns 1 1547 when Trig Mode Preferences set to Degrees e RPN Order of Operations and Chain Input Modes 0 5236 sec returns 1 1547 when Trig Mode Preferences set to Radians 30 sec returns 1 1547 when Trig Mode Preferences set to Degrees 5 11 2 Semi Colon semi colon Used to separate arguments in function calls Data Types n a Category number Input Modes solver Examples root y x separate the y and x variables in the root function call 5 11 3 Sequence Evaluation seq expression variable begin end Returns list of floating point numbers derived by evaluating the expression with regard to variable e expression expression to evaluate Must be in quotations e variable variable within the expression to evaluate Must be in quotations e begin point to start incrementing e end point to stop incrementing Category stats Input Modes solver Examples seq a 2 a 1 5 returns 2 4 6 8 10 or 1 2 2 2 2 3 2 4 2 5 O 1997 2005 Infinity Softworks Functions 148 seq expression variable begin end step
141. nce Appendix Calculator Error Messages Restricted Data Names Technical Support Printing This Manual Legal and Disclaimers Index Uniform Series Future Value Uniform Series Present Value Contents VI 1997 2005 Infinity Softworks Vi 1 powerOne Finance 1 Using the Calculator 1 1 Interface Overview This section discusses the calculator s main and pop up interface 1 1 1 Display A Menu and or powerOne Button on Palm OS e Copy copy contents of view window to the system clipboard See Memory 8 Storage System Clipboard for more A information Paste paste the system clipboard to the view window See Memory Storage System Clipboard for more information Calculation Log log of calculations similar to a tape The Palm OS and Pocket PC versions record the last 20 calculations See Memory Storage Calculation Log for more information Preferences Options calculator preferences See Using the Calculator Preferences for more information Clear Memory clears the calculator memory locations D e Skins change the user interface of the calculator colors and layout See Using the Calculator Skins for more information PalmOS only F My Templates location to see all templates whether created or pre installed Contents application help Windows only For Pocket PC application help is available via the Start menu For Palm OS select i in the top right hand corner of
142. nction See the Creating Templates section for more information Category templates only Input Modes solver Examples if solving valueA valueB valueC valueA 5 valueA valueA returns valueB valueC when calculating valueA or 5 when calculating valueB or valueC Since valueA is not included in any calculations setting valueA valueA offers valueA for calculation but does not use it in the calculation itself 1997 2005 Infinity Softworks 151 powerOne Finance 5 11 11 Square value 2 Returns value multiplied by 2 Data Types integer floating point table Category math Input Modes solver RPN order of operations chain Examples e Solver Input Mode 5 2 returns 25 3 2 returns 9 Preference setting 2 2 4 3 2 returns 9 Preference setting 212 4 0 2 3 4 2 returns 1 4 9 16 e Order of Operations and Chain Input Modes 5 x returns 25 3 x returns 9 e RPN Input Mode 5 x returns 25 3 x returns 9 5 11 12 Square Root sqrt value Returns the square root of value Data Types integer floating point table Category math Input Modes solver RPN order of operations chain Examples e Solver Input Mode sqrt 9 9 returns 3 1464 sqrt 9 36 81 4 returns 3 6 9 2 e Order of Operations and Chain Input Modes 9 9 Vx returns 3 1464 e RPN Input Mode 9 9 vx returns 3 1464 1997 2005 Infinity So
143. ne directory in My Documents will be installed automatically If the data is on an expansion card CD ROM or not in the powerOne directory on Pocket PC and Windows computers use the Import option in My Data to install 1 4 1 4 Synchronizing Data If you own both handheld and Windows versions of the software it is possible to synchronize data and templates Palm OS Y Local USE By default synchronization happens each time the HotSync Y Local Serial button is selected on the cradle or on the device Modem Network For Palm OS devices synchronization can be turned off set to Set copy to the handheld only to the Windows computer only or S N synchronized both directions two way sync With two way Custom synchronization the more recently changed template will be File Link transferred To change this preference for the next HotSync pew Lig Hotsync operation tap the HotSync icon in the system tray of your At pi Icon desktop computer which is usually in the bottom right corner of About the screen Help System Exit Menu Select Custom from within the HotSync menu in your Palm Desktop software Double click the powerOne application and Bob s Curent Set nox change your preference Delan HotSync Acker Do Nothing Nest HolSyec Acton Do Nothing HotSync Action ter poweriee E oa C Synchronize the fes Oru tide O M C Desktop overeites handheld I Set gs defauk D C Handheld overwrites Desktop On c Bega
144. ne selecting next moves the Principal 2 196 29 Interest 814 51 beginning and ending period to two End Balance 530371 e 1yr calculates one year from the beginning period e Dup duplicates the beginning period in the ending period O 1997 2005 Infinity Softworks 71 powerOne Finance Pmt Timing End Payment Timing Issues Period 1 Period 2 Whether payments are made at the beginning or end of the period le impacts how amortization information is calculated This impacts the ne I values shown in the amortization table in a way best illustrated by MEN J i Beginning j j faker f Beginning H time line diagrams Balance 4 Balance 7 t When payments are made at the end of the period common for il i ii loans and mortgages interest is accrued just before the payment is ee eee el gages ruc pay Added In Addedin due Note that the Ending Balance will always be the same as the Po fy Beginning Balance for the following payment period Payment Payment Ending Ending Balance Balance Pmt Timing Begin Period 1 Period 2 meet eee lt gt i 1 Ple i wd it es I be 4H time When payments are made at the beginning of the period common mares i Be are t it for leases interest is accrued after the end of the period Note that cs sal Senne 1 it the Ending Balance of a period will be less than the Beginning eae al Balance of the nex
145. ng point number e stddev standard deviation of the distribution If not specified stddev is 1 If specified must be an integer or floating point number Category distr Input Modes solver Examples invNorm 0 25 0 5 1 returns 0 1745 1997 2005 Infinity Softworks Functions 126 5 8 8 Last last In order of operations and chain input modes returns the last entry recorded in the history list In RPN input mode returns the last item pushed on the stack before the last numeric operation Category number Input Modes RPN order of operations chain 5 8 9 Least Common Multiple Icm valueA valueB Returns the least common integer multiple of valueA and valueB where 2 lt valueA valueB lt 2 Data Types integer floating point table Category math Input Modes solver RPN order of operations chain Examples e Solver Input Mode Icm 12 63 returns 252 Icm 5 10 10 4 returns 10 20 e Order of Operations and Chain Input Modes 12 lcm 63 returns 252 e RPN Input Mode 12 ENT 63 Icm returns 252 5 8 10 Less Than valueA lt valueB Returns true if valueA less than valueB Data Types integer floating point date Category bool Input Modes solver Examples 1 lt 0 55 returns false 1 lt 5 returns true 1 lt 1 returns false 5 8 11 Less Than or Equal To valueA lt valueB Returns true if valueA less than or equal to valueB
146. nh value Returns hyperbolic tangent of value Data Types integer floating point table Category trig Input Modes solver RPN order of operations chain Examples 122 1997 2005 Infinity Softworks 123 powerOne Finance e Solver Input Mode tanh 1 returns 0 7616 e RPN Order of Operations and Chain Input Modes 1 tanh returns 0 7616 5 8 I N This section covers functions beginning with the letters through N 5 8 1 If if boolean expressionA expressionB If boolean is true evaluate expressionA otherwise evaluate expressionB Category bool Input Modes solver Examples if A gt 0 100 A 0 returns 100 divided by A if A is greater than 0 true or 0 if it is equal to or less than 0 false 5 8 2 Integer Part iPart value Returns integer whole number part of value Data Types integer floating point table Category number Input Modes solver RPN order of operations chain Examples e Solver Input Mode ipart 5 returns 5 ipart 5 25 returns 5 e Order of Operations and Chain Input Modes 5 iPart returns 5 5 25 iPart returns 5 e RPN Input Mode 5 iPart returns 5 5 25 iPart returns 5 5 8 3 Integer Convert To tolnt value Returns an integer by converting value to an integer between 4e9 and 4e9 1997 2005 Infinity Softworks Functions 124 Data Types boolean integer floating point Category number Input Modes
147. nimum Function Missing Missing left delimiter Missing or invalid operand Missing or invalid operator Missing right delimiter Mn mod 126 126 86 126 54 126 126 49 133 127 127 127 127 58 54 55 86 158 40 70 128 36 37 128 128 17 36 37 129 36 37 129 130 16 20 130 158 49 52 130 36 37 130 130 158 158 158 158 158 17 132 Modified Internal Rate Of Return Modulo Division Month 1 Mortgages Move Mp Multiplication My Data Categories Delete Details Edit Export Beam Use My Graphs My Templates Delete Duplicate Edit Export Beam Notes Use NA Natural Logarithm Navigation Buttons ner nDeriv nDeriv2 nDist Net Future Value Net Present Value Net Uniform Series Neutron Mass Next Nominal Nominal Interest Rate normSDist Not Not a number Not enough arguments Not Equal npr O Occurrences 43 131 132 49 86 6 152 17 132 1 16 17 133 106 112 112 109 43 133 43 134 43 17 70 52 134 109 134 158 158 135 138 36 37 135 1997 2005 Infinity Softworks Index 000 Operand out of range Options Or Order of Operations Input Mode Ordinary Annuity P Parentheses Part Paste Payback Payment Payment Basis Payment Timing Perc Change Percent Percent Change Periodic Periods Periods Per Year Permutations Pi Plot Polar to Rectangular Conversion Pop up Calcu
148. nit This is the price at which the product is Profit 0 00 sold Quantity 3 846 153846154 e Tax Rate applicable tax rate as a percentage Profit the amount of profit determined or expected Positive values are profits while negative ones are losses Quantity the number of units sold Done Clear Example A startup company has 500 000 in operating expenses every month lt is introducing its first product which costs 115 to produce This product will sell to distributors for 245 per unit lts tax rate is 40 How many units must the company sell every month to cover its costs break even Variable Entry Comments Clear Sets the display to its default values Fixed Cost 500 000 Var Cost 115 Price 245 Tax Rate 40 Profit 0 Compute the quantity by selecting on the same line The company needs to sell 3 847 units per month O 1997 2005 Infinity Softworks 43 powerOne Finance 4 5 2 4 Cash Flows This template is for Cash Flow calculations See the Included Templates section for category information Description The Cash Flow template analyzes financial investments involving outflows and inflows of cash which occur on a regular basis but do not necessarily occur in similar amounts As with other templates the Cash Flow template understands positive numbers to be inflows of cash cash received and negative numbers to be outflows cash paid Not
149. ns 267 73 e Order of Operations and Chain Input Modes 5 63 returns 315 8 2 32 65 returns 267 73 e RPN Input Mode 5 ENT 63 returns 315 132 1997 2005 Infinity Softworks 133 powerOne Finance 8 2 ENT 32 65 returns 267 73 5 8 24 Natural Logarithm In value Returns the natural logarithm of value Data Types integer floating point Category math Input Modes solver RPN order of operations chain Examples e Solver Input Mode In 4 returns 1 3863 In 52 43 returns 3 9595 e Order of Operations and Chain Input Modes 4 In returns 1 3863 52 43 In returns 3 9595 e RPN Input Mode 4 In returns 1 3863 52 43 In returns 3 9595 5 8 25 Net Future Value CfoNFV I CFAmntList Returns the net future value of the given cash flow This function is only available if the finance library is installed e 1 periodic interest rate as a percentage e CFAmntList list containing cash flow amounts where the first element is the initial cash flow e CFFreqList list in which each element specifies the frequency of occurrence for a consecutive cash flow amount in CFList Category finance Input Modes solver Examples CfoNFV 12 5000 4000 3000 3000 returns 4 352 96 CfoNFV I CFAmntList CFFreqList same as above Category finance Input Modes solver Examples CfoNFV 12 5000 4000 3000 1 1 2 returns 4 352 96 1997 2005 Infinity Softwo
150. nt 1 the amount of the first type Type 2 the unit type to convert to Amount 2 the amount of the second type The elephant weighs 1 ton How many pounds is this Template Options Help Type 1 Tons Amount 1 1 Type 2 Pounds Amount 2 2 000 Done Clear Variable Enter Comments Tap the Clear button Sets the display to its default values Type 1 Tons Choose from the list Amount 1 1 Type 2 Pounds Choose from the list Select in the Amount 2 row to calculate may calculate automatically The elephant weighs 2 000 pounds 4 5 3 5 Percent Change This template is for Percent Change calculations It is in the Business category For information on accessing this template see the Templates Accessing section For more on using templates in general see the Templates Using the Templates section 1997 2005 Infinity Softworks Templates 56 F Percent Change E Variables Template Options Help e Old the old value Old 45 000 000 00 e New the new value New 115 000 000 00 e Change the percentage changed per period For example an Change 26 436169974059 8 125 change would be entered as 8 125 A positive value Periods 4 represents an increase while a negative one represents a decrease e Periods the number of periods Difference 70 000 000 00 Difference the difference between the old and new amounts A A e Average the avarage of the
151. ntry line view window or 11 items 10 locations and the entry line view window Decimal Setting RPN order of operations chain modes number of decimal places to display Float shows all available decimal places 0 through 11 shows that many decimal places With very large numbers fewer decimal places may be displayed because of the total number of places available to show in the view window In addition the Show function displays all available decimal places until the next entry is made This can be used to quickly see all available decimal places when the decimal setting is not set to float Display Mode RPN order of operations chain modes display numbers in normal scientific or engineering notation Normal mode displays numbers as would normally be written on paper or if the number is very large or very small in scientific notation Scientific mode displays numbers as two parts the significant digits with one digit before the decimal and the exponent e g 3 45e67 The number of places displayed after the decimal point is determined by the decimal setting Engineering mode also displays numbers in two parts the significant digits and the exponent that is always a multiple of 3 e g 34 567e12 The number of significant digits is 1 plus the decimal setting Trig Mode O 1997 2005 Infinity Softworks 15 powerOne Finance RPN order of operations chain modes calculates trigonometric functions as eithe
152. on The following functions are commonly used with date and time mathematics category in bold date adjDate getDate adjTime getTime makeDate HRS wkDay HMS dDays today See the Functions section for additional information on each function The following templates are commonly used with data and time calculations category in bold Calendar Date Time See the Templates Included Templates section for additional information on each template See Infinity Softworks web site for additional templates www infinitysw com finance 1997 2005 Infinity Softworks Subject Areas 3 3 Trigonometry The following functions are commonly used specifically with trigonometric mathematics category in bold trig sin asin sinh asinh sec degrees cos acos cosh acosh csc radians tan atan tanh atanh cot See the Functions section for additional information on each function 1997 2005 Infinity Softworks 25 powerOne Finance 4 Templates 4 1 Accessing There are three ways to get to a template 1 In the main calculator select the Template button at the top of the screen to go see a list of templates See the Using the Calculator Interface Overview section for more on this button 2 In the main calculator select the Last Template button at the top of the screen to go to the last opened template See th
153. ons chain Examples e Solver Input Mode 1997 2005 Infinity Softworks 97 powerOne Finance acos 5 returns 2 0944 when Trig Mode Preferences set to Radians acos 5 returns 120 when Trig Mode Preferences set to Degrees e RPN Order of Operations and Chain Input Modes 5 acos returns 2 0944 when Trig Mode Preferences set to Radians 5 acos returns 120 when Trig Mode Preferences set to Degrees 5 4 11 Arc Sine asin value Returns arc sine of value Data Types integer floating point table Category trig Input Modes solver RPN order of operations chain Examples e Solver Input Mode asin 5 returns 0 5236 when Trig Mode Preferences set to Radians asin 5 returns 30 when Trig Mode Preferences set to Degrees e RPN Order of Operations and Chain Input Modes 5 asin returns 0 5236 when Trig Mode Preferences set to Radians 5 asin returns 30 when Trig Mode Preferences set to Degrees 5 4 12 Arc Tangent atan value Returns arc tangent of value Data Types integer floating point table Category trig Input Modes solver RPN order of operations chain Examples e Solver Input Mode atan 1 returns 0 7854 when Trig Mode Preferences set to Radians atan 1 returns 45 when Trig Mode Preferences set to Degrees e RPN Order of Operations and Chain Input Modes 1 atan returns 0 7854 when Trig Mode Preferences set to Radians 1 atan returns 45 when Trig Mode Pre
154. onship to the appropriate data types In general many of these data types will only be used when creating templates 2 1 Booleans Booleans only available in modes that use an entry line are either true or false and are used when comparing two items or logic functions See Subject Areas Booleans for more information 2 2 Integers Whole Number Integers are whole numbers numbers without a fractional part Numbers such as 3 45 and O are integers Integer numbers are generally in the range 2 147 483 648 to 2 147 483 647 or 2 to 2 1 2 3 Floating Point Numbers Floating point numbers are numbers with a fractional portion Numbers such as 3 5 75 235 and 1E 2 are floating point numbers The number 3 0 is also a floating point number because of the 0 portion if it were written as 3 it would be an integer number Floating point numbers are in the range 1E308 to 1E308 If the input mode allows the base fraction mode should be set to decimal fraction or mixed fraction In decimal mode answers are returned as floating point numbers or integers In fraction and mixed fraction mode answers are returned as fractions In other modes the entries are rounded before proceeding See the appropriate section in Using the Calculator Input Modes for more information on base fraction modes 2 4 Dates Times Dates only available in modes that use an entry line refer to both month day year and time of day There are two formats
155. or annual percentage rate but each investment often has a different number of compounding periods per year To compare these investments the interest rates must first be converted to an annual effective interest rate 1997 2005 Infinity Softworks 53 powerOne Finance Variables Method conversion method either continuous or periodic With periodic interest conversion there is a set number of compounding periods per year such as quarterly 4 times per year monthly 12 or yearly 1 With continuous compounding there is no set number of periods per year Nominal the annual nominal interest rate expressed as a percentage For example 8 25 is entered as 8 25 Effective the annual effective interest rate expressed as a percentage For example 8 25 is entered as 8 25 Cmpnds Yr the number of compounding periods per year For example if interest is compounded quarterly this value would be set to 4 Compounding periods per year is used only when the method is set to periodic Example fT Interest Conv Template Options Help Method Periodic Nominal 9 75 Effective 10 197721973257 Cmpndsiyr 12 Done Clear SE You are presented with two competing investments The first is compounded monthly with a nominal interest rate of 9 75 The other pays at an effective interest rate of 10 Which investment has a better interest rate Variable Enter Com
156. or comparison Variable Selection Entry Comments Clear Sets the display to its default values Amounts Select the label to create or select a table Table None Selected Select None Selected and choose New Name CFData Name the table Size rows 1 Size columns 2 One column for Amounts one for frequency OK Enter the cash flow items in the Table Editor 1 2 0 8 000 1 Initial cash outflow which occurs once 1 2 000 1 Next cash flow item is 2 000 inflow which occurs once in year 1 2 3 000 2 Next item is 3 000 inflow which occurs twice one time each in years 2 and 3 3 4 000 3 Next item is 4 000 inflow which occurs three times one time each in years 4 5 and 6 Select OK to save the cash flow data and OK again to return to the cash flow template Note that Amounts is set to CFData Col 1 automatically Continue entering data 1997 2005 Infinity Softworks 45 powerOne Finance Variable Selection Entry Comments Table None Selected Select None Selected and choose CFData Column 2 Select the second column for frequency OK Intrst Yr 15 Periods Yr 1 Calculating each of the remaining variables in the template yields the following answers NPV 3 985 14 IRR 29 93 NFV 9 217 87 MIRR 23 01 NUS 1 053 02 Pft Index 1 50 Total 12 000 Payback 3 periods in this case years b
157. or total payment adjustments per loan year expressed as a percentage totalPmtAdjUpLimit upper limit for total payment adjustments over life of loan expressed as a percentage negativeAmort true means if payment is capped at too low of a value to cover the interest for the period unpaid interest is added to balance and loan amount grows If false and payments don t cover interest excess interest is forfeited by lender and balance stays steady If not included it is assumed to be false negativeAmortLimit negative amortization limit expressed as a percentage of the original loan amount 25 means that if negative amortization would cause the loan balance to become gt 125 of the original loan amount then all payment caps are removed and the loan switches to fully amortizing for the remaining periods Category finance Input Modes solver ArmEndBal period PV FV startRate startPmt N P Y C Y round rateDelta interestOnlyPeriods initialRatePeriods rateAdjlnterval firstRateAdjUpLimit firstRateAdjDownLimit periodRateAdjUpLimit periodRateAdjDownLimit annualRateAdjUpLimit annualRateAdjDownLimit totalRateAdjUpLimit totalRateAdjDownLimit initialPmtPeriods pmtAdjlnterval periodPmtAdjUpLimit annualPmtAdjUpLimit totalPmtAdjUpLimit negativeAmort negativeAmortLimit Returns the ending principal balance of the given period for an adjustable rate loan This function is only available if the finance library is installed This f
158. ormat Data Types floating point date Category date Input Modes solver Examples 1997 2005 Infinity Softworks Functions 110 wkday today returns today s weekday number e g 6 for Friday wkday 20 071969 returns 1 Sunday choose wkday 15 082003 Sun Mon Tue Wed Thu Fri Sat returns Fri 5 6 2 Decimal Separator decimal point decimal comma Separates the integer and fractional portion of the number How numbers appear is set in the system preferences See the device users manual for additional information Category not applicable Input Modes solver RPN order of operations chain 5 6 3 Declining Balance Crossover Depreciation DepDBSLBV C S L M Y R Book Value DepDBSLDA C S L M Y R Depreciation Amount DepDBSLDV C S L M Y R Depreciation Value Book value returns the book value depreciable value salvage value for the asset at the end of the given year Depreciation amount returns the amount that the asset depreciated during the given year Depreciation value returns the remaining total depreciable value for the asset at the end of the given year All three are calculated using the declining balance crossover to straight line method of depreciation This function is only available if the finance library is installed e C cost of the depreciable asset S salvage value of the depreciable asset L life in years of the depreciable asset M firs
159. ormation F Keypad calculator keypad consists of numbers basic arithmetic backspace clear positive negative button and memory buttons recall and store 1997 2005 Infinity Softworks Using the Calculator 2 0 9 numbers O through 9 e decimal separator separate the whole and decimal portions of the number Either entered as a period or comma depending on the system setting for number display format X plus minus times divide basic mathematics functions ENT or equals enter key to evaluate the equation algebraic input mode push a value on the stack RPN input mode or complete a calculation order of operations and chain input modes e CE C clears the currently entered value on the first selection and all values entire calculation or history depending on the input mode on the second selection e STO select to access store memory location functionality See the Memory amp Storage Memory Locations section for more information e RCL select to access recall memory location functionality See the Memory amp Storage Memory Locations section for more information select to change the sign or insert a negative sign depending on the input mode lt backspace arrow deletes the highlighted area space before the input cursor or last entered value depending on the input mode 1 1 2 Skins Skins add a personalized look to the main and pop up calculators Skin are only av
160. ory and alphabetical views E Additional Options at the bottom of the list in both category and alphabetical view are three additional options to create a new template or go to My Templates O 1997 2005 Infinity Softworks Templates 26 e New Template select to create a new template using the solver See the Creating Templates section for more information e My Templates select to go to My Templates See the My Templates section for more information 4 3 My Templates My Templates displays a list of available templates and their categories This list can be viewed in category order or in alphabetical order iy My Templates Area Currency Mass Temperature Volume Black Scholes Bond Cash Flow Deprec ACRS Depreciation Interest Conv Simple Interest Category View A Template select the template for a list of options e Use select to display the template for use IT My Templates E A Loan Compare Loan Qualifier Mass Perc Change Perc Total Profit Margin Rentys Buy Sales Tax Seller s Net Simple Interest Temperature Time Tip Alphabetical View e Edit select to edit the template s equation Only visible if the template can be edited e Export Beam select to export or beam templates See the Using the Templates Sharing Templates amp Data section for more information Only visible if the template can be exported and or beamed e Delete select to delete the template Onl
161. ose from the list Select in the Amount 2 row to calculate may calculate automatically The answer is 7 6 Liters of water 4 6 Creating Templates To create a template from the main calculator select the Template button third from left and choose New Template at the bottom of the list To create a template from My Templates select New Once created these templates are accessed the same as templates that are included with the software See Templates Accessing for more information A Name template s name 1997 2005 Infinity Softworks Templates 74 B Equation template s equation See the Using the Solver section for more information about writing solver equations Single equation templates are available See the Solver Limitations section for more information New Template C Category templates are sorted into categories Choose a category from the list or select New Category to create a new one Categories only exist as long as there are templates in them To delete a category move all the templates in that category to another category or delete all templates in that category Equation D f x displays the list of functions organized by category This is the same as the main calculator s list except function solving is available in category Boolean bool and category MEM is added memory store recall and clear options Template creation is different than in the
162. ovided for functions that take occlist as an optional argument the function treats each entry in datalist as a single occurrence Data Types table Category stats Input Modes solver Examples var 1 2 3 4 5 returns 2 5 var 1 2 3 4 5 2 4 4 6 6 returns 1 7835 varP datalist occlist Returns the population variance of the list datalist occlist is an optional argument that can contain a list of occurences corresponding to the values in datalist e datalist a list containing values used in the calculation e occlist a list the same size as datalist containing the number of occurrences of each corresponding value in datalist occlist is optional for algebraic input mode but required for RPN input mode Note that if occlist is not provided 1997 2005 Infinity Softworks Functions 158 for functions that take occlist as an optional argument the function treats each entry in datalist as a single occurrence Data Types table Category stats Input Modes solver Examples varP 1 2 3 4 5 returns 2 varP 1 2 3 4 5 2 4 4 6 6 returns 1 7025 6 Appendix 6 1 Calculator Error Messages error may appear in the view window The cause may be one of the following Overflow or underflow occurs in the calculation Divide by 0 Reciprocal when x 0 Square root when x lt 0 Factorial when x lt 169 x gt 169 Natural log when x lt 0 Permutations
163. owerOne Finance e Order of Operations and Chain Input Modes 15 1 x returns 0 0667 89 56 1 x returns 0 0112 e RPN Input Mode 15 1 x returns 0 0667 89 56 1 x returns 0 0112 5 10 5 Rectangular to Polar Conversion abs x y Returns polar coordinate r given rectangular coordinates x and y Data Types integer floating point table Category number Input Modes solver Examples abs 6 3 returns 6 7082 abs 12 5 1 2 3 4 returns 12 5399 12 6590 12 8550 13 1244 angle x y Returns polar coordinate q given rectangular coordinates x and y Data Types integer floating point table Category cmplx Input Modes solver Examples angle 5 4 returns 0 6747 when Trig Mode set to radians angle 3 4 5 6 1 2 7 8 returns 0 3217 0 4636 0 9505 0 92729 when Trig Mode set to radians angle 5 4 returns 38 6598 when Trig Mode set to degrees angle 3 4 5 6 J 1 2 7 8 returns 18 4349 26 5651 54 4623 53 1301 when Trig Mode set to degrees 5 10 6 Root root y x Returns x root of y Data Types integer floating point table Category math Input Modes solver RPN order of operations chain Examples e Solver Input Mode root 27 3 returns 3 1997 2005 Infinity Softworks Functions 146 root 84 5 5 returns 2 4287 root 41 53 65 78 3 returns 3 4482 3 7563 4 0207
164. p up calculator using the keypad e select the save y button 26 Enter 30 years e select 0 00 next to Years e enter 30 in the pop up calculator using the keypad e select the save Y button 27 Calculate the future cash requirements for the same monthly expenses e select the button on the same line as FutureVal e the total monthly expenses are 5 513 78 For more on formatting variables see the Templates Using the Templates Variable Preferences section This template and others are available for free download from Infinity Softworks web site www infinitysw com finance 1997 2005 Infinity Softworks Templates 86 4 7 Additional Templates Additional templates are available at Infinity Softworks web site www infinitysw com finance These templates include free additions and pay for add ons Options include Mortgages Investing Leasing and Lending Conversions Health Fitness Home and Shopping Area and Volume Mathematics More 5 Functions 5 1 Function References This section includes references to each function available in powerOne Finance Each input mode offers different functions See the Using the Calculator Input Modes section for more information on each input mode RPN of operations and chain input modes are included with the software Different skins offer different methods for accessing functions See the Functions Accessing section for more information
165. per year If not included it is assumed to be 12 C Y interest compounding periods per year If not included it is assumed to be 12 round decimal places to round the end balance to as it calculates If not included it is assumed to be 2 Category finance Input Modes solver 1997 2005 Infinity Softworks 99 powerOne Finance ArmEndBal period PV FV startRate startPmt N rateDelta interestOnlyPeriods initialRatePeriods rate Adjlnterval firstRateAdjUpLimit firstRateAdjDownLimit periodRateAdjUpLimit periodRateAdjDownLimit annualRateAdjUpLimit annualRateAdjDownLimit totalRateAdjUpLimit totalRateAdjDownLimit initialPmtPeriods pmtAdjlnterval periodPmtAdjUpLimit annualPmtAdjUpLimit totalPmtAdjUpLimit negativeAmort negativeAmortLimit Returns the ending principal balance of the given period for an adjustable rate loan This function is only available if the finance library is installed This function excludes P Y C Y and round and adds the following variables initialPmtPeriods number of periods at initial payment value before first payment adjustment If not included it is assumed to be 0 pmtAdjlnterval number of periods between subsequent payment adjustments 12 means adjustments will be made on period 13 25 37 etc If not included it is assumed to be 1 periodPmtAdjUpLimit upper limit for payment adjustment per period expressed as a percentage annualPmtAdjUpLimit upper limit f
166. pports it printing multiple pages per sheet To download a copt of Adobe Acrobat Reader visit Adobe s web site http www adobe com reader 6 5 Legal and Disclaimers Infinity Softworks Inc makes no warranty either expressed or implied including but not limited to any implied warranties of merchantability and fitness for a particular purpose regarding any programs or book materials and makes such materials available solely on an as is basis In no event shall Infinity Softworks Inc be liable to anyone for special collateral incidental or consequential damages in connection with or arising out of the purchase or use of these materials and the sole and exclusive liability of Infinity Softworks Inc regardless of the form of action shall not exceed the purchase price of this application Moreover Infinity Softworks Inc shall not be liable for any claim of any kind whatsoever against the use of these materials by any other party powerOne is copyright 1997 2005 powerOne is registered trademark Infinity Softworks Inc All rights reserved All other trademarks and registered trademarks are property of their respective owners O 1997 2005 Infinity Softworks Appendix 7 Index The index is your guide to key words throughout the manual lt starts on the next page 160 O 1997 2005 Infinity Softworks 161 powerOne Finance IF Statements Solving Statements HH amp amp
167. r Call Date Cancel Button Can t bracket solution Cash Flows Understanding Category cbrt CE C ceil Ceiling CfoCount CfolRR CfoMIRR CfoNFV CfoNPV CfoPbk CfoProf CfoTot Chain Chain Input Mode Choose Clear Clear Memory Combinations Complex Frmt Complex Type Compounding Periods Per Year Constant Constant Acceleration Constants Continuous Conversions Copy 104 104 49 22 104 22 105 15 158 43 46 63 43 46 63 30 109 106 105 105 108 125 131 133 134 136 141 156 12 11 106 5 9 12 106 2 106 6 6 52 63 16 76 17 52 86 1 2 162 O 1997 2005 Infinity Softworks 163 powerOne Finance cos 107 Cosecant 107 cosh 122 Cosine 107 Cost 49 58 cot 108 Cotangent 108 Coulomb 17 Count 108 countx 135 Coupon Rate 40 Creating Templates 73 csc 107 Cubed Root 109 Cumulative Normal Distribution 109 Currency 20 48 Cut 2 D Data Button 1 Data Service 14 Data Service Button 1 Data Update Service 20 Date 22 23 49 Date Basis 40 Day of Week 109 ddays 113 Dec Setting 31 Decimal Separator 110 Decimal Setting 6 9 12 14 Declining Balance 49 Declining Balance Crossover 49 Declining Balance Crossover 110 Depreciation Declining Balance Depreciation 111 degrees 143 Degrees to DMS Conversion 111 Degrees to Radians 111 Conversion degs 114 DepDBBV 111 DepDBDA 111 DepDBDV 111 DepDBSLBV 110 DepDBSLDA 110 DepDBSLDV 110 Depre
168. r Interface Overview 1997 2005 Infinity Softworks 21 powerOne Finance Menus section for more information 1 4 4 System Clipboard The system clipboard can be used to store values or move information from one application to another Select an appropriate function from the Edit menu or Copy or Paste by selecting the powerOne button The view window s value will be the target 1 4 5 Calculation Log The calculation log is used to display computations as they are entered Even if the calculator input is cleared the calculation log retains a history of the last calculations To access the calculation log see the Using the Calculator Interface Overview A Value selecting the value returns it to the entry line view window for use in the calculation B Additional Functionality in all modes select Clear to clear the calculation log or select Print to print the entire calculation log Print is available in the Windows version only Switching input modes also clears the calculation log automatically F Calculation Log EJ5 Xx O 1997 2005 Infinity Softworks Using the Calculator 22 2 Types of Data When working with data it is important to understand that data comes in various forms This section outlines the core data types how they are used and what functions are available for each The Function List section discusses each function in more depth and its relati
169. r degrees or radians Data Service RPN order of operations chain modes available in the Windows version only designates how often the Data Update Service should update data Options include Manual updates only when the Data Update Service navigation button is selected e Auto 1hr updates automatically when the application is started and every one hour thereafter if the application remains running Auto 3hr updates automatically when the application is started and every three hours thereafter if the application remains running Auto 6hr updates automatically when the application is started and every six hours thereafter if the application remains running Auto 12hr updates automatically when the application is started and every 12 hours thereafter if the application remains running See the Memory amp Storage Data Update Service section for more information 1 3 2 Button Tab On Windows and Pocket PC operating systems the buttons are in the same window as the rest of the preferences On the Palm OS the buttons are found by selecting the button tab Calculator Options Preferences i Input Mode Order of Op Stack Size 11 v Decimal Setting 2 v Mode a a Trig Mode Data Service Manual v Programmable Buttons Leleo E TLL E Windows amp Pocket PC Palm OS To change the content of any button select it and choose a new item from the list On the Palm OS version choose a functio
170. r of compounding interest periods per year CR coupon rate expressed as a percentage RV residual value Y annual yield expressed as a percentage Category finance Input Modes solver Examples BondP 1 012003 31 122010 4 6 100 5 25 returns 104 87 5 4 19 Bond Yield BondY SD MD C Y CR RV P Returns the yield of a bond expressed as a percentage This function is only available if the finance library is installed e SD settlement date entered in dd mmyyyy format MD maturity date entered in dd mmyyyy format CY number of compounding interest periods per year CR coupon rate expressed as a percentage RV residual value P price Category finance Input Modes solver Examples BondY 1 012003 31 122010 4 6 100 104 returns 5 38 5 4 20 Boolean Convert To tobool value Returns a boolean by converting value to a boolean value Data Types boolean integer floating point Category number Input Modes solver Examples 1997 2005 Infinity Softworks 105 powerOne Finance tobool 0 returns false 0 tobool 5 2 returns true 1 tobool 5 2 returns true 1 tobool 0 tobool 5 2 tobool 5 2 returns 2 5 4 21 Braces valueA valueB for a list valueA1 valueA2 valueB1 valueB2 for a table Use braces to create a list or table When creating a table inside braces group rows Category stats Input Modes solver Examples
171. riods between subsequent rate adjustments 12 means adjustments will be made on period 13 25 37 etc firstRateAdjUpLimit upper limit for first rate adjustment expressed as a positive percentage firstRateAdjDownLimit lower limit for first rate adjustment expressed as a positive percentage periodRateAdjUpLimit upper limit for rate adjustment per subsequent period expressed as a positive percentage periodRateAdjDownLimit lower limit for rate adjustment per subsequent period expressed as a positive percentage annualRateAdjUpLimit upper limit for total rate adjustments per loan year expressed as a positive percentage annualRateAdjDownLimit lower limit for total rate adjustments per loan year expressed as a positive percentage totalRateAdjUpLimit upper limit for total rate adjustments over life of loan expressed as a positive percentage totalRateAdjDownLimit lower limit for total rate adjustments over life of loan in expressed as a positive percentage Category finance Input Modes solver ArmSumint first last PV FV startRate startPmt N P Y C Y round flipSign rateDelta interestOnlyPeriods initialRatePeriods rateAdjlnterval firstRateAdjUpLimit firstRateAdjDownLimit periodRateAdjUpLimit periodRateAdjDownLimit annualRateAdjUpLimit annualRateAdjDownLimit totalRateAdjUpLimit totalRateAdjDownLimit Returns the sum of the interest for the given periods for an adjustable rate loan This function is only available if the f
172. rks Functions 134 5 8 26 Net Present Value CfoNPV I CFAmntList Returns the net present value of the given cash flow This function is only available if the finance library is installed e 1 periodic interest rate as a percentage e CFAmntList list containing cash flow amounts where the first element is the initial cash flow e CFFreqList list in which each element specifies the frequency of occurrence for a consecutive cash flow amount in CFList Category finance Input Modes solver Examples CfoNPV 12 5000 4000 3000 3000 returns 3 098 35 CfoNPV I CFAmntList CFFreqList same as above Category finance Input Modes solver Examples CfoNPV 12 5000 4000 3000 1 1 2 returns 3 098 35 5 8 27 Nominal Interest Rate IntNom rate compoundingperiods Returns the nominal interest rate This function is only available if the finance library is installed e rate effective annual interest rate Must be an integer or floating point number e compoundingperiods number of interest compounding periods per year Must be an integer or floating point number greater than or equal to 0 O denotes continuous compounding Category finance Input Modes solver Examples IntNom 7 360 returns 6 767 IntNom 7 0 returns 6 766 5 8 28 Not valueA Returns false if valueA is true and returns true if value is false Data Types integer floating point Category bool Input Modes solver Examples
173. rns 5 5 7 10 Hyperbolic Arc Sine asinh value Returns hyperbolic arc sine of value Data Types integer floating point table Category trig Input Modes solver RPN order of operations chain Examples e Solver Input Mode asinh 1 1752 returns 1 e Order of Operations and Chain Input Modes 1 1752 asinh returns 1 e RPN Input Mode 1 1752 asinh returns 1 5 7 11 Hyperbolic Arc Tangent atanh value Returns hyperbolic arc tangent of value Data Types integer floating point table Category trig Input Modes solver RPN order of operations chain Examples 1997 2005 Infinity Softworks Functions e Solver Input Mode atanh 0 7616 returns 1 e RPN Order of Operations and Chain Input Modes 0 7616 atanh returns 1 5 7 12 Hyperbolic Cosine cosh value Returns hyperbolic cosine of value Data Types integer floating point table Category trig Input Modes solver RPN order of operations chain Examples e Solver Input Mode cosh 5 returns 74 2099 e RPN Order of Operations and Chain Input Modes 5 cosh returns 74 2099 5 7 13 Hyperbolic Sine sinh value Returns hyperbolic sine of value Data Types integer floating point table Category trig Input Modes solver RPN order of operations chain Examples e Solver Input Mode sinh 1 returns 1 1752 e RPN Order of Operations and Chain Input Modes 1 sinh returns 1 1752 5 7 14 Hyperbolic Tangent ta
174. ry line The Help menu e Contents displays the manual e About displays company information 1 1 4 Pop up Calculator The pop up calculator is used throughout the application when values are required such as in a table or template The pop up calculator functions similarly to the main calculator and offers the same input modes Functionality specific to the pop up calculator is detailed here See the Interface Overview Display section for information on shared main and pop up calculator functionality and the Input Modes section for information specific to each available input mode O 1997 2005 Infinity Softworks Using the Calculator 4 A Variable Name displays the name of the selected variable AE B Buttons from left to right e Save Button select the Y button to store the value in the view window and return to the previous view e Cancel Button select the x button to return without storing C Function Button displays a list of functions available in the pop up calculator This list s functionality depends on the currently selected input mode See the Using the Calculator Input Modes for more information In general entries made in the pop up calculator are separate from those in the main calculator To move data between them store the information in a memory location MEM Store See the Using the Calculator Memory amp Storage section for more information 1 2 Input Modes An input
175. s set to Degrees 5 5 6 Cosine cos value Returns cosine of value Data Types integer floating point table Category trig Input Modes solver RPN order of operations chain Examples e Solver Input Mode cos 30 returns 0 1543 when Trig Mode Preferences set to Radians cos 30 returns 0 866 when Trig Mode Preferences set to Degrees e RPN Order of Operations and Chain Input Modes 30 cos returns 0 1543 when Trig Mode Preferences set to Radians 30 cos returns 0 866 when Trig Mode Preferences set to Degrees 1997 2005 Infinity Softworks Functions 108 5 5 7 Cotangent cot value Returns cotangent of value Data Types integer floating point table Category trig Input Modes solver RPN order of operations chain Examples e Solver Input Mode cot 0 5236 returns 1 7321 when Trig Mode Preferences set to Radians cot 30 returns 1 7321 when Trig Mode Preferences set to Degrees e Order of Operations Chain and RPN Input Modes 0 5236 cot returns 1 7321 when Trig Mode Preferences set to Radians 30 cot returns 1 7321 when Trig Mode Preferences set to Degrees 5 5 8 Count CfoCount CFAmntList Returns the total number of periods in the given cash flow excluding the initial cash flow This function is only available if the finance library is installed e CFAmntList list containing cash flow amounts where the first element is the initial cash flow e CFFreqList list in which each ele
176. s the tolerance constant e expression the expression to analyze Must be in quotations e variable the variable within the expression Must be in quotations e value point to evaluate Category calc Input Modes algebraic Examples nDeriv x 2 x 3 returns 6 nDeriv expression variable value e Same as above except with specified tolerance e e e tolerance If it is not included it defaults to 10 Category calc Input Modes algebraic RPN Examples e Algebraic Input Mode nDeriv x 2 x 3 0 001 returns 6 e RPN Input Mode x42 ENT x ENT 3 ENT 0 001 nDeriv returns 6 5 6 8 Derivative Second nDeriv2 expression variable value Returns an approximate second numerical derivative of expression with respect to variable at value This function uses the tolerance constant e expression the expression to analyze Must be in quotations e variable the variable within the expression Must be in quotations 1997 2005 Infinity Softworks 113 powerOne Finance e value point to evaluate Category calc Input Modes algebraic Examples nDeriv2 x 3 x 3 returns 18 nDeriv2 expression variable value e Same as above except with specified tolerance e e e tolerance If it is not included it defaults to 10 Category calc Input Modes algebraic RPN Examples e Algebraic Input Mode nDeriv2 x 2 x 3 0 001 returns 18 e RPN Inp
177. should be 48 4 x 12 e Periods Yr the number of payment periods per year Buttons e xPY quick set button for the number of periods This button multiplies the value in periods by the value in periods per year For example to convert 10 years at 12 periods per year to periods enter 10 in periods and 12 in periods per year then Done Clear xpy PY select xPY Done cear xP v e PY quick set button for the number of periods This button divides the value in periods by the value in periods per year For example if periods is 60 with periods per year equal to 12 discovering that is five years can be done easily by selecting PY Example A good friend has asked for a 90 day loan of 2 500 to get involved with a real estate investment You have agreed to lend him the money at 9 interest calculated on a 365 day basis What amount will be paid back at the end of this period Variable Enter Comments Clear Sets the display to its default values Present Val 2 500 Intrst Yr 9 Periods 90 Periods Yr 365 Compute the future value by selecting on the same line The friend should repay 2 555 48 in 90 days O 1997 2005 Infinity Softworks 61 powerOne Finance 4 5 4 3 Summation This template performs summation calculations Variables e Sum summation of the list of numbers e 1 100 list of numbers To subtract enter it as a negative number
178. sithelivis latest 105 COMING ie 105 A vaversseseessyacsssieanceseasnesseveussesurubesdcestiees A E OE N EA 106 CICA AA nn A E EEE 106 nn A A E E E E E E E E 106 Cosecant Cosine A PA A 108 O A 108 GUDEd ROO E T E A E E E E A A E T 109 Cumulative Standard Normal Distribution oononicciin none 109 GUIDE ia 109 Do NY MEA e po go a O O 109 Decimal S parator caria ansen eeaeee raa a Eara aeaa aa E eceeteeyargensutesucvauiecssnocvos seuecceeuerucrucnsucsdustungccedey 110 Declining Balance Crossover Depreciation sscssecsesseseessseseneseesenseeeseesseeseeseneseasenseeesaseeeseesenseessenseeesenseneeee 110 Declining Balance Depreciation nnnnmninniccninnnncncnnscnrnrrr rr 111 Degrees to DMS Conversion socio ra E aAa Rasiaan 111 1997 2005 Infinity Softworks Contents IV Degrees to Radians Conversion ezine cai A in 111 Dave A ends 112 Derivative ECON ii erotica 112 Difference Between Dates acciona a 113 SAA A a 113 DMS to Degrees CONVErSION sa oia ee 114 Effective Interest Rate 0 000 raniad a naa adana ai d Poad edine skera a dd anaa iaaa a e Saa a Ea Ena s a Aaoi neia Aae sa Soa rris tias tarida irai 114 Ente e 114 EQU IS iia ia 115 EXCIUSIVECON cuidao E A ikacdebensisesuacuscuseasssancesoneissessserdcoscusicsnss sescsist E 115 EXPONOM E cecsccicstidstiadaceecsticecsceccacdescsecesleiasisansesesceuod iuuainesaunuataaceseeusissteutassecndsacssderdebensautsaaereassiasigccaasectetoaiesereanan 115
179. solver Examples adjDate 01 082003 6 2 2 returns 10 7 05 12 00 am 5 4 4 Adjust Time adjtime date hours This function can only be used within a formula the returned value cannot be viewed in a template Returns a date type containing date plus or minus a number of hours date is a date type or a value in dd mmyyyy format Category date Input Modes solver Examples adjTime today 15 returns 8 1 03 12 30 am given today s date of 08 01 03 at 3 30 in the afternoon adjTime today 4 25 returns 8 1 03 7 45 pm given today s date of 08 01 03 at 3 30 in the afternoon adjtime date hours minutes seconds Same as above except adds minutes and seconds to the calculation Category date Input Modes solver Examples adjTime 01 082003 352 6 30 returns 8 15 03 4 06 pm given a start time of 12 00 am on 08 01 2003 5 4 5 Amortization End Balance AmEndBal period PV FV 1 PMT N Returns the ending principal balance of the given period This function is only available if the finance library is installed e period the period to calculate the ending principal balance 1997 2005 Infinity Softworks Functions 94 PV present value Positive values mean a cash inflow while negative numbers mean a cash outflow FV future value Positive values mean a cash inflow while negative numbers mean a cash outflow I yearly interest rate expressed as a percentage PMT periodic payment amount Posit
180. solver Examples tolnt 5 1 returns 5 5 8 4 Integral fnint expression variable lower upper Uses numerical integration Gauss Kronrod to return the integral of expression with respect to variable between lower and upper limits e expression the expression to analyze Must be in quotations e variable the variable within the expression Must be in quotations e lower lower limit of the range to analyze e upper upper limit of the range to analyze Category calc Input Modes algebraic Examples fnint x 2 x 3 3 returns 18 5 8 5 Interest Rate tvmi N PV PMT FV Returns the yearly interest rate of a time value of money TVM problem This function is only available if p1 Finance Lib is installed e PV present value Positive values mean a cash inflow while negative numbers mean a cash outflow e FV future value Positive values mean a cash inflow while negative numbers mean a cash outflow e PMT periodic payment amount Positive values mean a cash inflow while negative numbers mean a cash outflow e N total number of periods Category finance Input Modes solver Examples tvmi 120 100000 0 150000 returns 4 06 tvmi N PV PMT FV P Y C Y B Returns the yearly interest rate of a time value of money TVM problem This function is only available if p1 Finance Lib is installed Same variables as above except e P Y payment periods per year If not included it is assumed to be 12 e
181. sset s life The declining balance DB method depreciates more in the first few year s of the assets life than in the later years This method along with the DB x SL method uses the declining balance rate to calculate the depreciation value The declining balance cross straight line DB x SL method is often used for tax purposes In this instance the declining balance method is used until the optimal time to switch to the straight line method The calculator determines this point when depreciation is higher using the straight line method than the declining balance method This method also uses the declining balance rate for depreciating The sum of the year s digits SOYD method like declining balance allocates more depreciation to the early years of the asset s life This method uses a complex formula based upon the number of years the asset will be in service to determine a depreciation rate Example 80 000 worth of equipment was recently purchased in the middle of June With a five year useful life and no salvage value these computers will be depreciated using the declining balance method at a 200 rate What is the depreciation amount for the first year O 1997 2005 Infinity Softworks 51 powerOne Finance Variable Enter Comments Clear Sets the display to its default values Method DB Cost 80 000 Salvage 0 Life 5 Month 1 6 5 Half way through the sixth month Dep Rate 2
182. stalled Same variables as above except e P Y payment periods per year If not included it is assumed to be 12 e C Y interest compounding periods per year If not included it is assumed to be 12 e B payment timing 0 for end of period 1 for beginning of period If not included it is assumed to be 0 Category finance Input Modes solver Examples tvmn 7 25 35000 3000 0 12 12 0 returns 12 13 5 9 7 Permutations nPr n r Returns the number of permutations of n taken r at a time n r must be integer values where r lt n 0 lt n r lt 170 Returned values correspond to n n r Data Types integer floating point table Category prob Input Modes solver RPN order of operations chain Examples e Solver Input Mode nPr 8 3 returns 336 nPr 10 11 12 2 returns 90 110 132 e Order of Operations and Chain Input Modes 8 nPr 3 returns 336 e RPN Input Mode 8 ENT 3 nPr returns 336 5 9 8 Polar to Rectangular Conversion imag r q Returns y coordinate given polar coordinates r and q Data Types integer floating point table Category cmplx Input Modes solver Examples e Trig Mode preference set to Radians 1997 2005 Infinity Softworks 139 powerOne Finance imag 5 4 returns 3 7840 when Trig Mode set to radians imag 3 4 5 6 1 2 7 8 returns 2 5244 3 6372 3 2849 5 9361 when Trig Mode set to radians real r q Returns th
183. t Modes solver RPN order of operations chain Examples e Solver Input Mode tan 0 7854 returns 1 when Trig Mode Preferences set to Radians tan 45 returns 1 when Trig Mode Preferences set to Degrees 1997 2005 Infinity Softworks Functions 156 e RPN Order of Operations and Chain Input Modes 0 7854 tan returns 1 when Trig Mode Preferences set to Radians 45 tan returns 1 when Trig Mode Preferences set to Degrees 5 12 2 Today today This function can only be used within a formula the returned value cannot be viewed in a template Returns a date type representing current date and time Category date Input Modes solver Examples today returns today s date and the current time e g 8 1 03 at 6 09 pm 5 12 3 Total CfoTot CFAmntList Returns the sum of the given cash flow and is similar to function Summation This function is only available if the finance library is installed e CFAmntList list containing cash flow amounts where the first element is the initial cash flow e CFFreqList list in which each element specifies the frequency of occurrence for a consecutive cash flow amount in CFList Category finance Input Modes solver Examples CfoTot 5000 4000 3000 3000 returns 5 000 CfoTot CFAmntList CFFreqList same as above Category finance Input Modes solver Examples CfoTot 5000 4000 3000 1 1 2 returns 5 000 5 12 4 Uniform Series Future Value usfv
184. t month to begin depreciating 1 is January 12 is December Y year to calculate R depreciation rate expressed as a percentage Category finance Input Modes algebraic RPN Examples e Algebraic Input Mode DepDBSLBV 150000 20000 20 6 3 200 returns 114 412 50 DepDBSLDA 150000 20000 20 6 3 200 returns 12 712 50 DepDBSLDV 150000 20000 20 6 3 200 returns 94 412 50 e RPN Input Mode HP48 Enter Mode Preference setting 150000 ENT 20000 ENT 20 ENT 6 ENT 3 ENT 200 DepDBSLBV returns 114 412 50 150000 ENT 20000 ENT 20 ENT 6 ENT 3 ENT 200 DepDBSLDA returns 12 712 50 150000 ENT 20000 ENT 20 ENT 6 ENT 3 ENT 200 DepDBSLDV returns 94 412 50 1997 2005 Infinity Softworks 111 powerOne Finance 5 6 4 Declining Balance Depreciation DepDBBV C S L M Y R Book Value DepDBDA C S L M Y R Depreciation Amount DepDBDV C S L M Y R Depreciation Value Book value returns the book value depreciable value salvage value for the asset at the end of the given year Depreciation amount returns the amount that the asset depreciated during the given year Depreciation value returns the remaining total depreciable value for the asset at the end of the given year All three are calculated using the declining balance method of depreciation This function is only available if the finance library is installed C cost of the depreciable asset S salvage value of the depreciable asset L li
185. t period by the amount of interest that accrued Payment 1 Payment i an during that period Ending Ending Balance Balance i Interest Interest Added In Added In 1997 2005 Infinity Softworks Templates 72 4 5 4 7 Tip This template is for Tip and bill splitting calculations It is in the Business category For information on accessing this template see the Templates Accessing section For more on using templates in general see the Templates Using the Templates section Variables e Method the calculation method Choose Select to select a tip percentage from a list choose Enter to enter the tip s percentage Template Options Help as a number or choose Enter enter the tip s amount Method Select Bill the bill amount before tip Bill 45 00 Tip tip amount entered or calculated as a percentage Tip 15 Tip tip amount entered or calculated as an amount Tip 6 75 Total the total amount including the tip Total 51 75 People the number of people paying for the meal People 4 Ttl Person the total per person split evenly among the people TtliPerson 12 94 paying for the meal The tip computation calculates from the top down In other words to calculate the tip amount it will first attempt to use Bill then Total and finally Ttl Person to calculate It knows to use a value when the variable is not zero If Bill is O for example it will use Total Done Clear
186. t the entire template 1997 2005 Infinity Softworks 31 powerOne Finance Category In My Templates and Template List templates can be sorted into T late Onti categories Templates can be moved to any category Choose a ENPRTESPRONS category from the list or select New Category to create a new one o Categories only exist as long as there are templates in them To delete a Category Finance y category move all the templates in that category to another category or Trig Mode Radians gt delete all templates in that category a alendar ctual v Trig Mode Calculates trigonometric functions as either radians or degrees Precision Standard v V Auto Compute Calendar Freeze Rows fo v Date arithmetic can be performed using an actual year 30 day month 360 day year actual 360 or actual 365 calendar Some templates a allow for this change directly in the template itself Actual counts the actual number of days in a month and the total number of days in a year including leap years 30 360 treats all months as though they have 30 days and years as though they have 360 days Actual 360 counts the actual number of days in a month but treats years as though they have 360 days Actual 365 counts the actual number of days in a month but treats years as though they have 365 days These different day count methods are sometimes referred to as basis or day count basis and are frequently use
187. tanding CASH FlOWS ici cionado lA tai 46 GUITency CONVErSION Scasrtaranetan aaa AAEE EPa Eaa AAAA SEEE EE E Aaa eaa Seana A AEE 48 Dates catan taa 49 AA OO A 49 DISCOUNT izar ta a aaraa aaa a e rer Prereterrere creeper a a aE ep rerrerset reper erent ricer EaR 52 E P Interest Conversions Length Markup Mass Percent Chande inicial ancy anki ancted eens saxdecnysapaslut svacserestp ees 55 Percent Total ais o e o re EE EOI E A aeara Profit Margin OZ A seubeketseazaey R A NON A a a a E aE a a aaa a EA Ea TR aE a aa ae A aA 59 SUMMAION antro idilio del inicia 61 TemperatllSi anaconda dai oi oido aora 62 TIMO caia aia 62 AR A O ANO 63 AMOMIZAtiIONS a A a alee ae 70 Woe rta E tas 72 Volume ui lr EA ASEE O O arder ia 72 6 Creating Templates scenic ii diia 2 73 Using the Solver we 74 How the Solver WORKS adil cdecsescccscescscesncesoessceessacreescsdeeretsiencesssssescerseussocetsecescdseaecesouecasseasespsuersecuenessteseeseisncesvsnrasessseey 75 SOI VET PIM itAtiONS EE EEEE T E E vouensuesssasedtcssunstsseisseeseaiisecesecesssbeeseraesieave 75 Examples O 75 o A 75 O 1997 2005 Infinity Softworks 111 powerOne Finance Constant Accelerator a ao 76 Home LOA moriria A EEE 77 MP Statement 78 Solving ae Simi Ad AAA AAA 80 Multiple ANS WEOTS ini a eases 82 Using Data in Multiple Templates cvicoiccoici a Ad EA 83 7 Additional Templates Part V Functions 86 1 Function References unir ii
188. tem s Preferences and indicated as the decimal separator button either point or comma Use the keypad to enter these Operators mathematical symbols such as plus minus times and divide In the example above both multiple and divide are operators Functions allows for more advanced mathematical capabilities which are built into the calculator In the example above sine sin is a function Select the f x button on the keypad to access a list of functions sorted by category See the Function section for more information about each Additional notes on entering equations e The solver follows order of operations precedence To override order of operations or in cases where order of operations is uncertain use parentheses in the formula 1997 2005 Infinity Softworks 75 powerOne Finance e Spaces are ignored Often when the equation is strung together on the screen without any spaces it is difficult to see Use spaces to help view equations e There is no implied multiplication If an equation shows z 1 h that needs to be entered as z 1 h e Often an either or situation exists when performing a calculation If statements are used to express these relationships 4 6 2 How the Solver Works There are two kinds of solving iterative and symbolic Infinity Softworks solver uses an iterative approach An iterative method attempts to balance an equation and determine an answer re
189. the monthly payment e select the button on the same line as Payment e the payment is 1 945 79 per month For more on formatting variables see the Templates Using the Templates Variable Preferences section This template and others are available for free download from Infinity Softworks web site www infinitysw com finance 4 6 4 4 IF Statements If statements are used for conditional situations If statements can be used by themselves or nested meaning a second if statement is used within a first the example below uses a nested if statement The Example In this example a profit sharing formula has three levels e If net income is less than or equal to 1 million there is no profit sharing e f net income is greater than 1 million but less than or equal to 5 million profit sharing is 2 of monthly pay e If net income is greater than 5 million profit sharing is 4 of monthly pay 1997 2005 Infinity Softworks 79 powerOne Finance With a monthly base of 3000 what is the profit sharing amount if the company s net income is 700 000 2 million and 10 million The equation for calculating this profit sharing formula is NetPay BasePay if NetIncome lt 1000000 0 if NetIncome gt 1000000 amp amp NetIncome lt 5000000 BasePay 02 BasePay 04 where e NetPay is the final monthly net pay including base pay and profit sharing e BasePay is the monthly base pay e Netin
190. uceiaaeieacseancisuasvadaesas 121 Hyperbolic e R AA 122 AAA AA 122 Hyperbolic TANGeOMt iicciionsiraiosinsirincira ri 122 8 I N A 123 Integer Part E E 123 Integer Convert TO siriana pecesbda Sachse ence cae a aaa cast aa r Cezeteuey aaa 123 Li L Le 6 e E E 124 InterestiRate isis ratio Elia ia alii pilas aid 124 Internal Rate Of tiun o p ii sd A E anenrecutecevecdesdeuecestantuesenessseunecssendesddueesstonuersstcexsuucecyeubdensaueexe 125 Inverse Cumulative Normal Distribution csceesecseeseeeeesseseneseeseneeesseeeseeseeseeeseeseesseeseaeeeeseaseeseesseeteeeneesentens 125 nn en 126 Least Common Multiple coco raciones ninia 126 AAA nn E A O E canted srsades dubuass sense A E 126 Less Than r Equal To cscccscieacsscssreacteciseceasscsensucsesseronseacssensioasrectssensssdendusnesecserocseacisensssaafeaisenasesusueaiucseserocsenersebie 126 E A O eq 127 Make Date from Decimal Format coci i nsncaconnenciiniancnscnne ricerca noni sicteceneceodsedscedeecunnenuaeddsccetexecectdcucenszeceabeauceze 127 MaXiMUM ee ee ee a ee ee eee ESAE 128 Maximum FUNCION s2s32c5 ic tis sce cast eccccee aa 128 RRR a A en nS ene ne ee ee 129 O R a Eida piinaa raisasi iida E a RiR 129 laoo a e E 130 O A A aa ar a Sree cece co access aaa oaae a aaa E aeae aaa aeia aa aaaea aaeain 130 MINIMUM Funcion oia 130 Modified Internal Rate of O APRA o etddunenezeceaishucede 131 1997 2005 Infinity Softworks V powerOne
191. uded it is assumed to be 1 periodPmtAdjUpLimit upper limit for payment adjustment per period expressed as a percentage annualPmtAdjUpLimit upper limit for total payment adjustments per loan year expressed as a percentage totalPmtAdjUpLimit upper limit for total payment adjustments over life of loan expressed as a percentage negativeAmort true means if payment is capped at too low of a value to cover the interest for the period unpaid interest is added to balance and loan amount grows If false and payments don t cover interest excess interest is forfeited by lender and balance stays steady If not included it is assumed to be false negativeAmortLimit negative amortization limit expressed as a percentage of the original loan amount 25 means that if negative amortization would cause the loan balance to become gt 125 of the original loan amount then all payment caps are removed and the loan switches to fully amortizing for the remaining periods Category finance Input Modes solver ArmSumint first last PV FV startRate startPmt N P Y C Y round flipSign rateDelta interestOnlyPeriods initialRatePeriods rateAdjlnterval firstRateAdjUpLimit firstRateAdjDownLimit periodRateAdjUpLimit periodRateAdjDownLimit annualRateAdjUpLimit annualRateAdjDownLimit totalRateAdjUpLimit totalRateAdjDownLimit initialPmtPeriods pmtAdjlnterval periodPmtAdjUpLimit annualPmtAdjUpLimit totalPmtAdjUpLimit negativeAmort negativeAmortLi
192. ue 150 Single Payment Present Value 150 sinh 122 Skins 1 2 Changing 2 Deleting 2 Installing 2 Problems with 2 Solver 74 Solving 150 Speed of Light 17 spfv 150 sppv 150 sqrt 151 Square 151 Square Root 151 Stack 6 152 Stack Size 6 14 Standard Deviation 36 37 152 Status Indicators 5 9 12 stddev 152 stddevp 152 STO 20 Storage 16 Store 20 Straight Line 49 Straight Line Depreciation 153 Subtraction 153 Sum 36 37 61 148 Sum Of The Year s Digits 49 Sum of the Year s Digits 154 Depreciation Sum of x Squared 154 Summation 61 155 sumX 155 sumX2 154 Swap 6 152 Symbol Chart Synchronization Synchronization Button System Clipboard sT Tables Editor tan Tangent tanh Tax Rate Technical Support Temperature Template Button Template List Template Notes Templates Accessing Add on Creating Included Interface Overview Preferences Types of Variable Data Time Time Value Time Value of Money Tip Today tofloat tolnt Tolerance Too many arguments Too many nested operations Total trig Trig Mode Trigonometry TVM tvmfv tvmi tvmn tvmpv Type Unary Op 87 19 33 21 30 30 155 155 122 42 158 62 4 25 28 25 25 34 73 34 28 30 28 22 23 62 63 63 72 156 116 123 17 158 158 43 56 156 24 6 9 12 14 30 24 63 118 124 137 140 48 14 O 1997 2005 Infinity Softworks Index Undo Unexpected list separator Uniform Series Future Value Uniform Series Present Va
193. unction includes all variables as defined above 5 4 14 ARM Amortization Interest Paid ArmSumint first last PV FV startRate startPmt N rateDelta interestOnlyPeriods initialRatePeriods rateAdjlnterval firstRateAdjUpLimit firstRateAdjDownLimit periodRateAdjUpLimit periodRateAdjDownLimit annualRateAdjUpLimit annualRateAdjDownLimit totalRateAdjUpLimit totalRateAdjDownLimit 1997 2005 Infinity Softworks Functions 100 Returns the sum of the interest for the given periods for an adjustable rate loan This function is only available if the finance library is installed first The start period to calculate the interest sum last The start period to calculate the interest sum PV present value Positive values mean a cash inflow while negative numbers mean a cash outflow FV future value Positive values mean a cash inflow while negative numbers mean a cash outflow startRate initial interest rate used until first adjustment is made expressed as a percentage startPmt initial payment used until first adjustment is made Positive values mean a cash inflow while negative numbers mean a cash outflow N total number of periods rateDelta simulated interest rate change per year expressed as a percentage interestOnlyPeriods number of interest only periods before beginning amortization initialRatePeriods number of periods at initial rate before first rate adjustment rateAdjlnterval number of pe
194. unded monthly compounding periods per year and periods per year should both be 12 Buttons e xX quick set button for the number of periods This button multiplies the value in periods by the value in periods per year For example to convert 10 years at 12 periods per year to periods enter 10 in periods 12 in periods per year and select the x button e quick set button for the number of periods This button divides the value in periods by the value in periods per year For example if periods is 60 with periods per year equal to 12 discovering that it is equal to five years can be done easily by selecting the button e Amort access to the amortization screen See the Amortization section for more information If no data is entered in the TVM template the amortization screen will not appear Examples Car Loan When purchasing a new car the auto dealer has offered a 12 5 interest rate over 36 months on a 7 500 loan What will be the monthly payment Variable Enter Comments Tap the Clear button Sets the display to its default values Pmt Timing End Loan pmt s are at the end of the period Choose from the list Present Val 7500 Intrst Yr 12 5 Periods 36 3 years at 12 periods per year Periods Yr 12 Cmpnds Yr 12 Select in the Payment row to calculate The payment will be 250 90 per month It is negative because it is a cash outflow 1997 2005 Infinity Softworks
195. unt 2 the amount of the second type Done Clear Example If the map states that the land s area is 2 km what is its area in acres Variable Enter Comments Tap the Clear button Sets the display to its default values Type 1 Kilometers Choose from the list Amount 1 2 Type 2 Acres Choose from the list Select in the Amount 2 row to calculate may calculate automatically The area is 494 2 acres 4 5 2 2 Bonds Bond computations are used to calculate corporate or municipal bond investments These computations include two day count methods actual or 30 360 and four coupon per year settings once twice four or twelve times per year 1997 2005 Infinity Softworks 41 powerOne Finance Variables e Date Basis computations based on actual actual month year method or the 30 360 method Template Options Help e Pmt Basis How often the coupon payments occur 1 2 4 or 12 Date Basis 30 360 times per year Pint Basis Semi Annual e Sett Date the settlement or purchase date Sett Date Sat 8 14 2004 e Mat Date the maturity or call date This date always occurs Mat Date Tue 11 30 2004 after the settlement date This date is called a call date when the Cpn Rate Rdmptn al Yield issuer can pay off the bond before the maturity date Maturity date can also be called the redemption date a Cpn Rate the annual coupon rate as a percentage This is
196. urn to the template without saving See the Using the Calculator Interface Overview section for more information on the pop up calculator Lists 1997 2005 Infinity Softworks 29 powerOne Finance Lists show a set of defined options To choose an item from a list e select the variable e choose an option from the list scrolling if necessary Tables To edit table data e select the variable e enter data into the table by selecting each cell and entering data with the same pop up calculator used with Numbers described above e select OK to save the data or Cancel to throw out those changes Dates Dates are entered using a selector similar to other applications On Palm OS handhelds however the year can be changed directly and in the range 1900 to 3000 To choose a date select the variable choose a year choose a month choose a day Times Times are entered using a selector similar to other applications To choose a time select the variable choose the hour by highlighting it and using the up down scroll arrows choose minutes by selecting each box in turn and using the up down scroll arrows choose am or pm if not 24 hour time select OK to save the data or Cancel to throw out those changes O 1997 2005 Infinity Softworks Templates 30 4 4 3 1 Tables Table Editor fT Data Viewer o oO o o 1 3 A o Oo 0 0 o g B la 0 0 o 0 0 0 o 0 o p0 0 0
197. use future cash inflow Intrst Yr 10 0 Periods 420 35 years x 12 periods per year Periods Yr 12 Cmpnds Yr 12 Select in the Payment row to calculate The payment amount is 525 15 per month It is negative because it is a cash outflow Savings Account With 3 000 in a savings account and 3 75 interest how many months does it take to reach 4 000 1997 2005 Infinity Softworks Templates 66 Variable Enter Comments Tap the Clear button Sets the display to its default values Pmt Timing End Choose from the list Present Val 3 000 Negative because cash deposit outflow to open account Future Val 4 000 Payment 0 Intrst Yr 3 75 Periods Yr 12 Cmpnds Yr 12 Select in the Periods row to calculate To reach 4 000 it will take 92 20 periods or 92 20 12 7 68 years Home Mortgage You have decided to buy a house but you only have 900 to spend each month on a 30 year mortgage The bank has quoted an interest rate of 8 75 What is the maximum purchase price Variable Enter Comments Tap the Clear button Sets the display to its default values Pmt Timing End Loans payments at the end of the period Choose from the list Future Val 0 Payment 900 Negative because cash outflow Intrst Yr 8 75 Periods 360 30 years at 12 periods per year Periods Yr 12 Cmpnds Yr 12 Select in the Present Va
198. ut Mode x42 ENT x ENT 3 ENT 0 001 nDeriv returns 6 5 6 9 Difference Between Dates ddays date1 date2 date1 date2 must be a date type or a value in dd mmyyyy format Returns a value representing the number of days between two dates Data Types floating point date Category date Input Modes solver Examples ddays 01 082003 20 071969 returns 12 430 in days 5 6 10 Division valueA valueB Returns valueA divided by valueB Data Types integer floating point table Category not applicable Input Modes solver RPN order of operations chain Examples e Solver Input Mode 88 44 returns 2 18 6 4 5 returns 4 1333 O 1997 2005 Infinity Softworks Functions 114 e Order of Operations and Chain Input Modes 88 44 returns 2 18 6 4 5 returns 4 1333 e RPN Input Mode 88 ENT 44 returns 2 18 6 ENT 4 5 returns 4 1333 5 6 11 DMS to Degrees Conversion degs value Returns equivalent in degrees of value dd mmss ie degrees minutes seconds format Data Types integer floating point table Category number Input Modes solver RPN order of operations chain Examples e Solver Input Mode degs 90 30 returns 90 50 degs 44 38 121 08 returns 44 6333 121 1333 e Order of Operations and Chain Input Modes 90 30 degs returns 90 50 e RPN Input Mode 90 30 degs returns 90 50 5 6 12 Effective Interest Rate EffNom rate compoundingperiods Returns the effective interest r
199. ut Modes 30 sin returns 0 9880 when Trig Mode Preferences set to Radians 30 sin returns 0 5 when Trig Mode Preferences set to Degrees 1997 2005 Infinity Softworks Functions 150 5 11 8 Single Payment Future Value spfv percent periods Returns the future value of a single 1 00 payment This function is only available if the finance library is installed e percent interest rate per compounding period expressed as a percentage e periods number of payments Category finance Input Modes solver Examples spfv 5 360 returns 42 476 396 41 spfv 5 12 360 returns 4 4677 spfv 8 0 returns 1 spfv 0 144 returns 1 5 11 9 Single Payment Present Value sppv percent periods Returns the present value of a single 1 00 payment This function is only available if the finance library is installed e percent interest rate per compounding period expressed as a percentage e periods number of payments Category finance Input Modes solver RPN Examples sppv 5 360 returns 2 354e 8 sppv 5 1 2 360 returns 0 2238 sppv 8 0 returns 1 sppv 0 144 returns 1 5 11 10 Solving solving Returns the name of the variable currently being solved for Using solving when creating templates makes it possible to calculate multiple equations in the same template The variable name should be in quotations Note Auto compute template preferences should be turned off if the template uses this fu
200. ve except e occlist a list the same size as datalist containing the number of occurrences of each corresponding value in datalist Note that if occlist is not provided for functions that take occlist as an optional argument the function treats each entry in datalist as a single occurrence Data Types table matrix Category stats Input Modes solver Examples median 1 2 3 4 5 1 returns 3 median 1 2 3 4 5 2 4 4 6 6 returns 4 5 8 18 Memory MEM There are memory locations available for storing and recalling data Often these locations are grouped under MEM Selecting MEM displays a list of functions e STO Store select to store an item to memory e RCL Recall select to recall an item from memory e Clear select to clear the memory locations See the Using the Calculator Memory amp Storage Memory Locations section for additional information Data Types boolean integer floating point Category not applicable Input Modes RPN order of operations chain 5 8 19 Minimum min valueA valueB If given a series of values or a list returns the smallest value in the list If given a series of lists of equal length returns the smallest value of each position within the list valueB is optional RPN input mode can only handle a single list Data Types integer floating point date table Category stats Input Modes solver Examples min 2 4 6 5 3 returns 2 min 1 2 3
201. when n lt 0 r lt 0 or r or n is not an integer Combinations when n lt 0 r lt 0 or r or nis not an integer Used too many levels of parentheses Entered a number outside the range of 1e 308 to 1e308 and 1e 308 to 1e308 6 2 Restricted Data Names When creating data types it is recommended that they do not have the following names because they may by overwritten during software use arc l t b m tolerance e n u deriv pi v dist r w i r2 X integral R2 y Also variables starting with ds_ no quotes may be overwritten 6 3 Technical Support For technical support please visit Infinity Softworks web site www infinitysw com support 1997 2005 Infinity Softworks 159 powerOne Finance The web site contains e Extensive database of technical support questions and answers Contact telephone numbers mail and email addresses e Free add ons including templates skins graphs data sets and import export beam plug ins e Training and curriculum materials 6 4 Printing This Manual While Infinity Softworks does not offer a printed version of this manual you are welcome to print it yourself To print you will need Adobe Acrobat Reader pdf If this is the Adobe Acrobat Reader version of the manual select the menu File then Print The manual is very long It may be wise to print the sections needed instead of the entire manual or if your printer su
202. works 9 powerOne Finance Character Function Character Function 0 Zero lt back gt Backspace 1 One c or lt back gt C CE 2 Two Add 3 Three Subtract 4 Four xor Multiply 5 Five Divide 6 Six or lt return gt Equals Enter 7 Seven Lt Paren 8 Eight Rt Paren 9 Nine s Windows only Store or Decimal Pt r Windows only Recall n Sign f Windows only Shows function list e Exponent 1 2 2 1 Display a 25 800 000 000 000 A View Window number display area B Status Indicators e Shift Indicator Standard Palm OS Graffiti shift indicator Palm OS only e Clear Clear serves two functions in this mode Selecting it once displays the clear indicator and clears only the number currently being entered Selecting it the second time clears the entire calculation If the status indicator clear appears the currently entered number has been cleared e Deg Rad Whether calculator is in degrees or radians mode e OOO Currently in order of operations input mode e 0 parentheses indicator The number in the middle shows the number of left parentheses that are still open i e do not have a closing right parenthesis 1 2 2 2 Preferences The following preferences are available in order of operations input mode See the Using the Calculator Preferences section for more information e Decimal Setting float or 0 through
203. x Rate tax rate expressed as a percentage For example a 6 Tax Rate 7 25 tax rate would be entered as 6 After Tax 42 86 e After Tax after tax amount e Tax Amount the total amount of taxes Tax Amount 2 90 Done Clear Example Dinner for two cost 39 96 before taxes What is the bill after taxes if the tax rate is 7 25 Variable Entry Comments Tap the Clear button Sets the display to its default values Before Tax 39 96 Tax Rate 7 25 Tax Amount 2 90 Select in the After Tax row to calculate The bill after taxes is 42 86 4 5 4 2 Simple Interest Simple interest problems assume that interest is accumulated only once at the time of repayment These computations are performed in the Simple Interest template For compounding interest computations use the Time Value of Money TVM template 1997 2005 Infinity Softworks Templates 60 Variables A e Present Val the present or current value fT Simple Interest E e Future Val the future value Template Options Help e Intrst Yr interest per year as a percentage For example Present Val 2 500 00 8 25 interest should be entered as 8 25 Future Wal 2 555 48 e Periods number of total periods This number is the number of Intrst vroo 9 years and months times the periods per year For example if Periods 90 the loan is 4 years with 12 payments per year monthly Periods Yr 365 payments periods
204. xample demonstrates template creation basics The Example The equation for constant acceleration is Velocity1 2 VelocityO 2 2 Accelrtn Distance where 1997 2005 Infinity Softworks 77 powerOne Finance Velocity1 is the final velocity Velocity is the initial velocity Accelrtn is the speed of acceleration Negative denotes deceleration Distance is the distance between Velocity1 and Velocity0 The problem to calculate what is the stopping distance for a car traveling 30 meters per second but decelerating 5 meters per second squared Creating the Template 1 Launch the software The main calculator should be visible 2 Select the Template button The Template button is third from the left across the top of the main calculator The Template List should be visible 3 Select New Template near the bottom of the list 4 Enter Const Accirtn no quotes for the name 5 Enter Velocity1 2 VelocityO 2 2 Accelrtn Distance no quotes for the equation e equals is on the right side of the keypad e power is available by selecting f x then math then y 6 Select OK to finish The constant acceleration template should be visible Calculate Distance 7 Leave Velocity1 as 0 8 Enter 30 m s for Velocity e select 0 next to VelocityO e enter 30 in the pop up calculator using the keypad e select the save Y button 9 Enter 5 m s for acceleration e select O next to
205. xport Beam from the list if the template can be shared If it cannot be shared this option does not appear Export Beam Options appears e Select the desired export beam option e Follow the on screen directions if any are required Pocket PC Windows export templates or its data e Select the template to export 1997 2005 Infinity Softworks 33 powerOne Finance e Choose the Template menu e Select the desired export option If it cannot be shared this option is not available e Follow the on screen directions if any are required To beam on Pocket PC save the results to a text file navigate to that file and use your Pocket PC s capabilities to beam the file Additional information may be available in your Pocket PC user s guide The data export beam options that come with the software e Export template to file save the selected template in a file that can be synchronized to the desktop for archival or sharing purposes Export category to file save the current category and all associated templates in a file that can be synchronized to the desktop for archival or sharing purposes Beam template beam the selected template to another handheld that has this software Beam category beam the current category and all associated templates to another handheld that has this software Results to Memo Pad Text File saves the resulting calculations to the Memo Pad or a text file Print Results sends the resulting cal
206. y that will be paid back to the loan company See the Understanding Cash Flows section for a pictorial explanation 1997 2005 Infinity Softworks Templates of inflows and outflows Variables Pmt Timing the payment timing Payments occur at the beginning or end of the period Payments made at the beginning of the period are called Annuity Due Most leases are this kind A payment made at the end of the period is called an Ordinary Annuity Most loans are this kind Present Val the present value Future Val the future value Payment payment amount per period Intrst Yr interest per year as a percentage For example 8 25 interest should be entered as 8 25 Periods number of total periods This number is the number of years and months times the periods per year For example if the loan is 4 years with 12 payments per year monthly payments periods should be 48 4 x 12 Periods Yr the number of payment periods per year For example if payments are made quarterly periods per year should be 4 Template Options Help Pmt Timing End Present al 7 500 00 Future al 0 00 Payment 250 90 Intrstiyr96 12 50 Periods 36 Periods Yr 12 Cmpnds Yr 12 Done Clear Py Py Amort 64 Cmpnds Yr the number of interest compounding periods per year Most of the time compounding periods per year should equal payment periods per year For example if payments are made monthly and interest is compo
207. y visible if the template can be deleted e Duplicate select to duplicate the template Only visible if the template can be edited e Notes select to view the template notes B Template Category templates are organized into categories If in category view and the category is closed the plus symbol is visible next to the category select it to open the category and see that category s templates If in category view and the category is open the minus symbol is visible next to the category select it to close the category and hide that category s templates If there are no templates in the category that category will not be visible C Buttons from left to right e New select to create a new template using the solver See the Templates Creating Templates section for more information e Import select to import template See the Using the Templates Sharing Templates amp Data section for more information e Switch View select to switch between category and alphabetical views 1997 2005 Infinity Softworks 27 powerOne Finance 4 4 Using the Templates This section discusses how templates are generally used See the Templates Included Templates section for details on each specific template 4 4 1 Quick Start Example The Example This is an example to quickly demonstrate how to use a template 4 colleagues go to dinner and spend 78 45 How much is paid for the tip and total bill with a 20 t

Infinity powerOne Finance 5 for Handhelds (21450) for PC

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