Tag TVM

Time Value of Money – Calculating Lease Payments

This article explains how to calculate lease payments, focusing on equipment leases. It covers basic payment calculations, factoring in residual value and monthly payments. It also explores the complexities of advance payments, where part of the payment is made upfront. The article provides formulas and examples for calculating lease payments both with and without advance payments. For leases with advance payments, it emphasizes how these reduce the total lease amount and payment periods. The tutorial also mentions tools like financial calculators and Excel spreadsheets to simplify the process.

Solving Problems with Non-Annual Periods on the HP 12C

Many, perhaps most, time value of money problems in the real world involve other than annual time periods. For example, most consumer loans (e.g., mortgages, car loans, credit cards, etc) require monthly payments. All of the examples in the previous pages have used annual time periods for simplicity. On this page, I’ll show you how easy it is to deal…

Solving Problems with Non-Annual Periods on the TI 83 Plus

Many, perhaps most, time value of money problems in the real world involve other than annual time periods. For example, most consumer loans (e.g., mortgages, car loans, credit cards, etc.) require monthly payments. All of the examples in the previous pages have used annual time periods for simplicity. On this page, I’ll show you how easy it is to deal…

TI 83 and TI 83 Plus Tutorial, Part III

Uneven Cash Flow Streams In the previous section we looked at the basic time value of money keys and how to use them to calculate present and future value of lump sums and regular annuities. In this section we will take a look at how to use the TI 83 Plus to calculate the present and future values of uneven…

TI 83 and TI 83 Plus Tutorial, Part II

Part 2 of a TI-83 calculator tutorial on calculating money value over time. It covers how to find present and future values of annuities (regular payments) and lump sums using the built-in TVM Solver app. The tutorial explains different annuity types (regular and due) and how to solve for missing variables like payment amount, interest rate, or number of periods. It also touches on perpetuities (infinite payments) and how to approximate their present value with the calculator.

TI 83 and TI 83 Plus Tutorial, Part I

This is the first part of a TI-83 calculator tutorial on performing time value of money calculations. It covers finding future and present values of lump sums using the built-in TVM Solver app. The tutorial explains how to enter data considering the calculator's cash flow sign convention and solve for missing variables like the number of periods or interest rate. It also teaches how to adjust the calculator's decimal places for better viewing.

Solving Problems with Non-Annual Periods on the HP 19BII

HP 19BII Tutorial, Part III

In the previous section we looked at the basic time value of money keys and how to use them to calculate present and future value of lump sums and annuities. In this section we will take a look at how to use the HP 19BII to calculate the present and future values of uneven cash flow streams. We will also…

HP 19BII Tutorial, Part II

In the previous section we looked at the basic time value of money keys and how to use them to calculate present and future value of lump sums. In this section we will take a look at how to use the HP 19BII to calculate the present and future values of regular annuities and annuities due. A regular annuity is…

HP 19BII Tutorial, Part I

The HP 19B is a fairly easy to use financial calculator that will serve you well in all finance courses. The 19BII can operate in either RPN (reverse polish notation) or algebraic modes. RPN is better in most cases, so I suggest that you choose that mode if you understand RPN. This tutorial will demonstrate how to use the financial…

HP 12C Tutorial, Part III

In the previous section we looked at the basic time value of money keys and how to use them to calculate present and future value of lump sums and annuities. In this section we will take a look at how to use the HP 12C to calculate the present and future values of uneven cash flow streams. We will also…

Solving Problems with Non-Annual Periods on the HP 17BII

Many, perhaps most, time value of money problems in the real world involve other than annual time periods. For example, most consumer loans (e.g., mortgages, car loans, credit cards, etc.) require monthly payments. All of the examples in the previous pages have used annual time periods for simplicity. On this page, I’ll show you how easy it is to deal…

Solving Problems with Non-Annual Periods on the HP 10BII+

HP 10BII+ Tutorial, Part III

Uneven Cash Flows In the previous section we looked at the basic time value of money keys and how to use them to calculate present and future value of lump sums and regular annuities. In this section we will take a look at how to use the HP 10BII+ to calculate the present and future values of uneven cash flow…

HP 10BII+ Tutorial, Part II

In the previous section we looked at the basic time value of money keys and how to use them to calculate present and future value of lump sums. In this section we will take a look at how to use the HP 10BII to calculate the present and future values of regular annuities and annuities due. A regular annuity is…