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# The HP50g as a financial tool (II)

Let’s continue with our aim to convert our powerful HP 50g in a FINANCIAL tool.

We ended last time introducing what would be our main tool: the CST (custom) menu. We proceeded them to fill the 3 first positions with off-the-shelf percentage functions: %, %ch and %T. In my experience, these are the most used financial-specific functions in your daily work.

{% %CH %T DDAYS DATE+ BUS IVA TOTAL CAMB MKP%}

In level 2, you put the number you will take the percentage from; or the initial value, if you want to calculate the percentage of change; or the total;

Secondly, there comes the date calculations, in order to know when payments are due, or to plan for maturities of investments. These are DDAYS and date+. Remember to set your preferred date format in the flag screen. It’s flag xx.

In DDAYS you write 2 dates in both levels, and it calculates the number of days in between; and in date+, you put a date and a number, and it will give you the date adding that number of days to the other date. It works with negative numbers as well.

Now for the other functions: the key BUS stores the following short program: << 79 menu >>. This one leads to a submenu with TVM functions, as shown:

The use differs a little bit from the HP17 - HP19 menus. You need to enter a number and press the variable you want to store it; this is equal to the above calculators; however, to SOLVE for a given variable, you need to press left-arrow and the variable you want to calculate. Same behavior applies to all solvers below.

the IVA (called after the name for VAT in Spain) calculates a % mark up on cost; this is stored as the following program. The last part of it leads to a menu page, where you take the SOLVR option and enter into the soft menu screen.

TOTAL applies the formula below.

CAMB is the Spanish word for Change. Same rules apply.

Next day we will talk about the IRR calculation...