HP 40gs Manual do Utilizador descarregar pdf (Página 149)

100

101

Using the Finance Solver 12-3

flow diagram shows lease payments at the beginning of

each period.

The following cash flow diagram shows deposits into an

account at the end of each period.

As these cash-flow diagrams imply, there are five TVM

variables:

Capitalized

value of

lease

}

PMT PMT PMT PMTPMT

PMT PMT PMT PMT PMT

N The total number of compounding periods

or payments.

I%YR The nominal annual interest rate (or

investment rate). This rate is divided by

the number of payments per year (P/YR)

to compute the nominal interest rate per

compounding period -- which is the

interest rate actually used in TVM

calculations.

The present value of the initial cash flow.

To a lender or borrower, PV is the amount

of the loan; to an investor, PV is the initial

investment. PV always occurs at the

beginning of the first period.

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