BA-35 Solar Quick Reference Guide Table of Contents General Information .......................... The Display ................................... Arithmetic Operations ........................ Correcting Errors ............................. Display Formats .............................. Memory Operations .......................... Math Operations .............................. Percentage Calculations ..................... Percentage Change Calculations ............ Margin and Markup Calculations ..........
General Information Turning the Calculator On and Off u (All Clear/On)—Turns on the calculator. This key also clears the display, all pending operations, and values in memory or the mode registers. The calculator turns off automatically when the solar cell panel is no longer exposed to light. Modes The calculator can operate in three different modes. Setting the calculator to a particular mode prepares it to perform special functions. The available modes are statistics, financial, and profit margin.
Second Functions 0 (Second Function)—Enables you to perform the “second” functions that are marked over some of the keys. To perform a second function, press 0 and then the appropriate function key. When you press 0, 2nd appears in the display until you press another key. If you press 0 and then a key that does not have a second function, the key performs its normal function. If you accidentally press 0, press it again to cancel its effect.
The Display The display shows a maximum of 10 digits, although the calculator internally retains a maximum of 13 digits. Display Indicators Indicator 2nd FIN STAT Begin Meaning The calculator will access the second function of the next key pressed (appears when you press 0). The calculator is in the financial mode. The calculator is in the statistics mode. Note: No indicator displays when the calculator is in profit margin mode.
Indicator InDep Dep Gprn prn Gint int Meaning The displayed result is for the independent variables (x values). (Displayed only in the statistics mode.) The displayed result is for the dependent variables (y values). (Displayed only in the statistics mode.) The value in the display is the summed principal over a range of payments. (Displayed only in the financial mode.) The value in the display is the principal for a single payment. (Displayed only in the financial mode.
Arithmetic Operations Entering Numbers 6 - ? (Digits)—Enter digits into the display. You can enter a maximum of 10 digits and a decimal point. A (Decimal Point)—Enters a decimal point. @ (Change Sign)—Changes the sign of the number in the display. To enter a negative number, first enter the number as a positive value and then press @. Arithmetic Keys p, o, n, m—Perform the arithmetic operations of addition, subtraction, multiplication, and division.
Correcting Errors Correcting Entry Errors - (Clear Entry/Clear)—To clear a numerical entry, press - once; then enter the correct number. To clear all pending operations and begin the calculation again, press - twice. w (x Exchange y)—Exchanges the values of x and y. If you enter x and y in the incorrect order, press w to reverse them. Then complete the calculation. v (Backspace)—Removes the last digit or decimal point from the displayed number if you have not yet pressed an operation key (p, o, n, m, etc.).
Display Formats Floating-Decimal Format The calculator normally displays numbers in “standard” floating-decimal format, in which numbers are displayed in the range -9,999,999,999 to -0.000000001, 0, or 0.000000001 to 9,999,999,999. If the result of a calculation is too large or too small to be displayed in the normal format, it is displayed in scientific notation. This means the result is expressed as a base value (mantissa) times 10 raised to a power (exponent). For example, 5.9 12 means 5.9 x 10 12.
Memory Operations The memory can store any numeric value within the range of the calculator. You can use the calculator’s memory to store, sum, and recall a numeric value. You can use the memory in any mode. r (Store)—Stores the displayed numeric value in the memory, replacing any value previously stored there. When 0 is displayed, you can clear the memory by pressing r, thereby storing a zero in memory. t (Sum)—Adds the displayed numeric value to the contents of the memory.
Math Operations 0 \ (Reciprocal)—Calculates the reciprocal of the displayed number, which is the same as one divided by the number. 0 ] (Square)—Raises the displayed number to the second power, which is the same as multiplying the number by itself. The number can be any value whose square is in the range of the calculator. 0 k (Square Root)—Calculates the square root of the displayed number. The displayed number must be positive or zero; otherwise, an error condition occurs. The result is always positive.
To calculate a root: 1. Enter the number (y) whose root you want to find. 2. Press 0 H. 3. Enter the root (x). 4. Press 0 \. 5. Press l or any key that completes the operation. 0 G (Natural Logarithm)—Calculates the natural logarithm (base e = 2.718281828459) of the displayed number. The number must be positive; otherwise, an error condition occurs. 0 ^ (Natural Antilogarithm)— Calculates the natural antilogarithm of the displayed number.
Percentage Calculations E (Percent)—Calculate percentages, add-ons, discounts, and percentage ratios. Operation Percentage Key Sequence nnEl Add-On pnEl Discount onEl Percentage Ratio mnEl Function Calculates n% of the principal amount. Calculates n% of the principal amount and adds the result to the principal. Calculates n% of the principal amount and subtracts the result from the principal. Divides the principal amount by n%. 12 BA35ENG.
Percentage Change Calculations 0 4 (Percent Change)—Calculates the percentage change between two values. To calculate the percentage change: 1. Enter the new value. 2. Press 0 4. 3. Enter the old value. 4. Press l. The percentage change is calculated by the formula: New value - Old value x 100 Old value If the result is positive, there is a percentage increase. If the result is negative, there is a percentage decrease. 13 BA35ENG.
Margin and Markup Calculations To calculate cost, selling price, gross profit margin, or markup, use 2 to set the calculator to the profit-margin mode (no display indicator). R (Cost)—Enters the cost. S (Selling Price)—Enters the selling price. U (Margin)—Enters the gross profit margin, which is the difference between selling price and cost expressed as a percentage of the selling price.
Performing Gross Profit Margin Calculations To calculate cost, selling price, or gross profit margin: 1. Press 0 b to clear the registers and use 2 to enter the profit margin mode (no display indicator). 2. Enter the two known values (CST, SEL, or MAR). 3. Press 1 and the key for the unknown value. Performing Markup Calculations To calculate cost, selling price, or markup: 1. Press 0 b to clear the registers and use 2 to enter the profit margin mode (no display indicator). 2.
Compound Interest Calculations To calculate compound interest, use 2 to set the calculator to the to the financial mode (FIN appears in the display). In compound interest calculations in which no payment is involved, the payment (PMT) is assumed to be zero. When the payment has a value other than zero, the calculator treats the problem as an annuity (a series of regular, equal payments).
Recalling Values To recall a value that you have entered or computed, press s and the appropriate key for the value you want to recall. For example, to recall the present value, press s K. Performing Compound Interest Calculations To perform a compound interest calculation, you must know any three of the four values (N, %i, PV, or FV). Follow these steps to find the unknown value: 1. Press 0 b to clear the registers and use 2 to enter the financial mode (FIN appears in the display). 2.
Annuity Calculations For annuity calculations, use 2 to set the calculator to financial mode (FIN appears in the display). An annuity is a series of equal payments made at regular time periods with interest calculated at the end of each period. Ordinary annuities have end-of-period payments; annuities due have beginning-of-period payments. 0 a (Beginning-of-Period)—Sets the calculator to compute for annuity-due problems (beginning-of-period payments). Pressing 0 a causes Begin to appear in the display.
Annuity Keys In annuity calculations, the following keys are used to enter or calculate the values listed below. C—Total number of payment periods. I—Percent interest per payment period. K—Present value of a series of payments plus the present value of FV. With a savings account, PV represents an initial deposit (not including the first payment). With a loan, PV represents the loan amount. M—Amount of the regular payment.
Annuity Calculations (Continued) Recalling Values To recall a value that you have entered or computed, press s and the appropriate key for the value you want to recall. For example, to recall the present value, press s K. Positive or Negative Payments In annuity problems, the present value and future value are usually positive numbers. The payment amount may be positive or negative, depending on the type of problem you are solving. § If payments are discounted backward, the payment amount is positive.
Performing Annuity Calculations To perform an annuity calculation, you must know any four of the five values (N, % i, PV, PMT, or FV). Follow these steps to find the unknown value: 1. Press 0 b to clear the registers, and use 2 to enter the financial mode (FIN appears in the display). 2. Ensure that the calculator is set correctly for the type of annuity calculation desired. § For ordinary annuities, Begin should not be displayed. § For annuities due, Begin should be displayed.
Annuity Calculations (Continued) Special Functions for Monthly Compounding or Payment Periods 0 h (Monthly Interest)—Divides the number in the display by 12 and displays the result. This number can then be stored as the monthly interest rate (%i). To use the 0 h key sequence: 1. Enter the annual interest rate for a compound interest or annuity problem. 2. Press 0 h. Then press I to store the result. The two steps above have the same effect as entering the number of years and then pressing m 12 l.
Converting to EFF or APR To convert to EFF or APR, use 2 to set the calculator to the financial mode (FIN appears in the display.) Annual Percentage Rate (APR)—The interest rate per compounding period multiplied by the number of compounding periods per year. Annual Effective Rate (EFF)—The interest rate compounded yearly that achieves the same future value as the APR. The EFF is the rate at which you actually earn for the period of time stated.
Balance, Interest, and Principal To calculate balance, interest and principal, use 2 to set the calculator to the financial mode (FIN appears in the display.) W (Balance)—Calculates the remaining loan balance (principal) after a selected payment. To find the balance: 1. If necessary, press 0 a to change the calculator to solve for end-of-period payments or beginning-of-period payments. 2. Enter the appropriate values with the C, I, K, L, and M keys. 3. Enter the payment number. 4. Press W.
Calculating a Single Payment To find the interest and principal of a single payment: 1. If necessary, press 0 a to change the calculator to solve for end-of-period payments or beginning-of-period payments. 2. Enter the appropriate values with the C, I, K, L, and M keys. 3. Enter the payment number. 4. Press V to calculate the interest. (The int indicator is displayed with the result.) 5. Press w to display the principal. (The prn indicator is displayed with the result.
Balance, Interest, and Principal (Cont.) Calculating a Range of Payments To find the summed interest and principal over a range of payments: 1. If necessary, press 0 a to change the calculator to solve for end-of-period payments or beginning-of-period payments. 2. Enter the appropriate values with the C, I, K, L, and M keys. 3. Enter the first payment number (P1) and press X. 4. Enter the second payment number. 5. Press V to calculate the interest. (The Gint indicator is displayed with the result.) 6.
Statistics To enter a statistics problem, use 2 to set the calculator to the statistics mode (STAT appears in the display). 0 b (Clear Mode Registers)—Clears any previously entered data points. g (Statistics Data Entry)—Enters the displayed number as a data value in the statistical registers. Each time you press g, the display shows the number of data values currently stored in the statistical registers. 0 f (Statistics Data Removal)— Removes a data value from the statistical registers.
Statistics (Continued) Mean 0 z (Data Mean)—Calculates the mean (average) of all the data values currently stored in the statistical registers. If you have entered data points with x and y values, press 0 z to display the mean of the y values; then press w to display the mean of the x values. Standard Deviation The 0 y and 0 x key sequences calculate the standard deviation of the data values in the statistical registers.
Linear Regression 0 { (Intercept/Slope)—Enables you to display the y-intercept and slope of the representative line. To display the y-intercept (b), press 0 {; to display the slope (a), press w after you display the y-intercept. 0 d (Correlation)—Calculates the correlation between the x and y values in a set of data points. 0 T, 0 Q (Predicted Value)—After you enter an x value, you can press 0 Q to display the y value that corresponds with that x on the best straight line through the data points entered.
Common Keystroke Sequences Monthly Payment for a Home Mortgage Purpose: To find the amount of the monthly payment on a mortgage with end-of-month payments (ordinary annuity). Values You Supply: § mortgage amount § annual interest rate § number of years in mortgage Procedure Clear calculator and mode registers; select two decimal places. Press 2 until FIN is displayed. Press 0 a until Begin is not displayed.* Enter mortgage amount. Calculate interest rate. Enter interest rate.
Remaining Balance for a Home Mortgage Purpose: To find the remaining balance—after a selected payment number—of a mortgage with end-of-month payments (ordinary annuity). Values You Supply: § mortgage amount § annual interest rate § number of years in mortgage § amount of payment § payment number Procedure Clear calculator and mode registers; select two decimal places. Press 2 until FIN is displayed. Press 0 a until Begin is not displayed.* Enter mortgage amount. Calculate interest rate. Enter interest rate.
Common Keystroke Sequences (Cont.) Loan Amount a Buyer Can Afford Purpose: To find the maximum loan amount and selling price a prospective home buyer can afford, assuming that: § § § The buyer will pay a given percentage of the selling price as a down payment. An estimated percentage is added to the monthly payment for taxes and insurance. The total monthly payment (principal, interest, taxes, and insurance) is not to exceed a predetermined percentage limit of the buyer's gross monthly income.
Procedure Press 0 a until Begin is not displayed.* Enter monthly interest rate. Calculate and enter number of monthly payments. Calculate and store maximum monthly payment. Calculate and enter maximum allowable loan payment (without taxes or insurance). Compute maximum allowable loan amount. Calculate house price (including down payment). Key Sequence 0a rate 0 h I years 0 i C income n percent limit E lr 1 p percent taxes and insurance E l 0\ns 0PlM 1 PV 1 o percent down El0\ nsKl Calculate down payment.
Common Keystroke Sequences (Cont.) Selling Price of a House if Seller Pays Points and Commission Purpose: To find the selling price of a house, assuming that the seller wants to make a certain profit and that the selling price must include points and commission. Values You Supply: § original price (dollar amount) § profit (dollar amount) § points (percentage points) § commission (percentage points) Procedure Clear calculator and mode registers; select two decimal places.
Error Conditions When an error condition occurs, the word “Error” appears in the display. The calculator will not accept a keyboard entry until you press - or u to clear the error condition. (Press - twice to clear the condition and all pending operations; press u to clear the calculator completely.) General Error Conditions The error conditions listed below can occur in any mode. Errors occur when you: § Calculate a result that is outside the range -9.
Error Conditions (Continued) Financial Error Conditions (Continued) § Use 0 O or 0 N when the number of compounding periods per year is zero or very large, or when %i is small. § Compute the balance or interest for a payment number less than zero. Statistics Error Conditions In the statistics mode, errors occur when you: § Use g to enter a data point (x or y) such that |x| > 1 x 10 50. § Press 0 f when there are less than two data points in the statistical registers.
In Case of Difficulty If you have difficulty operating the calculator, you may be able to correct the problem with the solutions suggested in the table below. Observation Display is blank; digits do not appear. A function does not seem to work. The number of decimal digits that you expect is not displayed. An error occurs. Action The display goes blank during a long calculation. Wait for it to finish. Be sure the solar power cells are exposed to an adequate light source.
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