Hp 48g Graphing Calculator Manual de usuario descargar pdf (Pagina 219)

100

101

See 14-17 for additional approaches to testing the accuracy of a

computed array solution.

Using the Finance Solver

The Finance Solver application provides time-value-of-money (TVM)

and amortization capabilities. You can use it for compound-interest

and amortization calculations.

Compound interest occurs when earned interest is added to the

principal at specified compounding periods, and then the combined

amount earns interest. Many financial calculations are compound

interest calculations—for example, savings accounts, mortgages,

pension funds, leases, and annuities.

Time Value of Money calculations, as the name implies make use the

notion that “time is money.”—that a dollar now is worth more than a

dollar at some time in the future. A dollar now can be invested and

generate a return that the dollar-in-the-future cannot. This TVM

principle underlies the notion of interest rates, compound interest and

rates of return.

TVM transactions can be represented and understood by using cash

fl.ow diagrams. A cash flow diagram is a time line divided into equal

segments representing the compounding periods. Arrows represent the

cash flows. Money received is a positive value, and money paid out is

a negative value.

The cash flow diagram for a transaction depends on the point of view

you take in your problem statement. For example, a loan is an initial

positive cash flow for the borrower, but it’s an initial negative cash

flow for the lender.

Solving Equations 18-13

1 2 ... 214 215 216 217 218 219 220 221 222 223 224 ... 611 612

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