hp 10BII calculadora financeira guia do usuário Edição 1 Número de peça HP F1902-90004 Aviso REGISTRO SEU PRODUTO EM : www.register.hp.com ESTE MANUAL E TODOS OS EXEMPLOS CONTIDOS AQUI SÃO FORNECIDOS "DO JEITO QUE ESTÃO" E ESTÃO SUJEITOS À MUDANÇAS SEM AVISO PRÉVIO. A COMPAINHA HEWLETTPACKARD NÃO FAZ GARANTIA DE NENHUM TIPO COM RESPEITO A ESTE MANUAL OU OS EXEMPLOS CONTIDOS AQUI, INCLUINDO, MAS NÃO SE LIMITANDO ÀS GARANTIAS IMPLÍCITAS DE COMERCIABILIDADE, NÃO-VIOLAÇÃO E APTIDÃO PARA UM PROPÓSITO PARTICULAR. HEWLETT-PACKARD CO. NÃO SERÁ RESPONSÁVEL POR QUAISQUER ERROS OU POR DANOS ACIDENTAIS OU CONSEQUENCIAIS RELACIONADOS COM O FORNECIMENTO, DESEMPENHO, OU USO DESTE MANUAL OU OS EXEMPLOS CONTIDOS AQUI. © Copyright 1988, 1989, 2001, 2004 Hewlett-Packard Development Company, L.P. Reprodução, adaptação, ou tradução deste manual é proibido sem permissão prévia por escrito de Hewlett-Packard Company, exceto quando permitido pelas leis de direitos autorais. Hewlett-Packard Company 4995 Murphy Canyon Rd, Suite 301 San Diego,CA 92123 Histórico da Tiragem Edição 1 Maio 2003 Bem-vindo à HP 10BII $ VXD +3 %,, UHIOHFWH D TXDOLGDGH VXSHULRU H D DWHQomR DRV GHWDOKHV GH HQJHQKDULD H GH IDEULFDomR TXH Ki DQRV GLVWLQJXHP RV SURGXWRV +HZOHWW3DFNDUG $ +HZOHWW3DFNDUG p UHVSRQViYHO SRU HVWD FDOFXODGRUD ³ H RIHUHFHPRV D QRVVD H[SHULrQFLD QR VXSRUWH j VXD XWLOL]DomR FRQVXOWH D SDUWH LQWHUQD GD ~OWLPD FDSD H DVVLVWrQFLD WpFQLFD HP WRGR R PXQGR Qualidade Hewlett-Packard $V QRVVDV FDOFXODGRUDV VmR IHLWDV REMHFWLYDQGR D H[FHOrQFLD H D IDFLOLGDGH GH XWLOL]DomR n (VWD FDOFXODGRUD IRL SURMHFWDGD SDUD VXSRUWDU SLQJRV YLEUDo}HV SROXHQWHV QHYRHLUR R]RQR H[WUHPRV GH WHPSHUDWXUD H YDULDo}HV GH KXPLGDGH TXH SRGHP VHU HQFRQWUDGRV QR GLDDGLD n $ FDOFXODGRUD H R VHX PDQXDO IRUDP SURMHFWDGRV H WHVWDGRV SDUD XPD IiFLO XWLOL]DomR $FUHVFHQWDPRV GLYHUVRV H[HPSORV SDUD GHVWDFDU RV YiULRV XVRV GD FDOFXODGRUD 0DWHULDLV DYDQoDGRV H WHFODV FRP OHWUDV SHUPDQHQWHV SURSRUFLRQDP XPD YLGD ORQJD SDUD R WHFODGR H XPD SRVLWLYD VHQVDomR WiFWLO n 2 VLVWHPD HOHFWUyQLFR GH EDL[D SRWrQFLD H R VLVWHPD GH JHVWmR GH HQHUJLD DYDQoDGR SURSRUFLRQDP XPD PDLRU YLGD ~WLO j EDWHULD n 2 PLFURSURFHVVDGRU IRL RSWLPL]DGR SDUD XP SURFHVVDPHQWR FRPSXWDFLRQDO UiSLGR H FRQILiYHO XWLOL]DQGR LQWHUQDPHQWH GtJLWRV SDUD D REWHQomR GH UHVXOWDGRV SUHFLVRV n 0HGLDQWH XPD H[WHQVD SHVTXLVD IRL FULDGR XP GHVLJQ TXH PLQLPL]RX RV HIHLWRV DGYHUVRV GD HOHFWULFLGDGH HVWiWLFD TXH p XPD FDXVD SRWHQFLDO GR PDX IXQFLRQDPHQWR H GD SHUGD GH GDGRV QDV FDOFXODGRUDV Bem-vindo à HP 10BII 3 Recursos 2V UHFXUVRV H R PDQXDO GD +3 %,, UHIOHFWHP DV QHFHVVLGDGHV H RV DQVHLRV GH PXLWRV FRQVXPLGRUHV n 9LVRU JUDQGH GH FDUDFWHUHV n 6HFomR GH ,QVWUXo}HV ,QLFLDLV QR PDQXDO SDUD UHIHUrQFLD UiSLGD n $SOLFDo}HV SDUD VROXomR GH RSHUDo}HV FRPHUFLDLV H ILQDQFHLUDV 9DORU 7HPSRUDO GR ,QYHVWLPHQWR )ROKDV GH FiOFXOR GH HPSUpVWLPR SRXSDQoD DOXJXHU H DPRUWL]DomR &RQYHUVmR GH -XURV 7D[DV QRPLQDLV H HIHFWLYDV )OX[RV GH &DL[D 9DORU OtTXLGR DFWXDO H WD[D LQWHUQD GH UHQWDELOLGDGH 3HUFHQWDJHQV &RPHUFLDLV &iOFXOR GH DOWHUDomR SHUFHQWXDO PDUJHP H PDUJHP GH OXFUR (VWDWtVWLFD 0pGLD GHVYLR SDGUmR FRHILFLHQWH GH FRUUHODomR H HVWLPDWLYD GH UHJUHVVmR OLQHDU DOpP GH RXWURV FiOFXORV HVWDWtVWLFRV n 0HPyULD VXILFLHQWH SDUD DUPD]HQDU XP IOX[R GH FDL[D LQLFLDO GH JUXSRV GH IOX[R GH FDL[D FRP DWp IOX[RV GH FDL[DV SRU JUXSR n 'H] UHJLVWRV GH DUPD]HQDPHQWR QXPHUDGRV n 2 DFHVVR IiFLO jV IXQo}HV HFRQRPL]D HWDSDV GH GLJLWDomR H SHUPLWH PDLRU FRQYHQLrQFLD &DSDFLGDGH GH LQFUHPHQWDomR DXWRPiWLFD SDUD IROKDV GH FiOFXOR GH DPRUWL]DomR (WLTXHWDJHP SDUD DPRUWL]DomR H IOX[RV GH FDL[D &RQVWDQWH DXWRPiWLFD WHFODV GH PHPyULD n +i PXLWRV H[HPSORV QR PDQXDO TXH SRGHP VHU FRPELQDGRV FRQIRUPH DV VXDV QHFHVVLGDGHV HVSHFtILFDV 4 Bem-vindo à HP 10BII Índice 11 11 12 13 14 15 16 17 18 19 21 Visão Rápida ,QVWUXo}HV %iVLFDV ³ 9LVmR 5iSLGD 3HUFHQWXDLV ³ 9LVmR 5iSLGD 7HFODV GH 0HPyULD ³ 9LVmR 5iSLGD 9DORU 7HPSRUDO GR 'LQKHLUR 790 ³ 9LVmR 5iSLGD +LSyWHVHV 790 ³ 9LVmR 5iSLGD $PRUWL]DomR ³ 9LVmR 5iSLGD &RQYHUVmR GH 7D[D GH -XURV ³ 9LVmR 5iSLGD ,55<5 H 139 ³ 9LVmR 5iSLGD (VWDWtVWLFDV ³ 9LVmR 5iSLGD 7HFODV Instruções Iniciais /LJDQGR H 'HVOLJDQGR D &DOFXODGRUD $MXVWH GR &RQWUDVWH GR 9LVRU &iOFXORV $ULWPpWLFRV 6LPSOHV &DUDFWHUtVWLFDV GR 9LVRU H GR 7HFODGR &XUVRU ([FOXVmR GH 'DGRV GR &RQWH~GR GD &DOFXODGRUD ([FOXVmR GR &RQWH~GR GH 'DGRV GD 0HPyULD ,QGLFDGRUHV 7HFOD GH 3UHIL[R 7HFOD GH (VWDWtVWLFD 7HFOD ,1387 7HFOD 6:$3 )XQo}HV 0DWHPiWLFDV )RUPDWR GRV 1~PHURV QR 9LVRU (VSHFLILFDomR GDV &DVDV 'HFLPDLV ([LELGDV 1RWDomR &LHQWtILFD ([LELomR GH 1~PHURV FRP 3UHFLVmR 7RWDO ,QWHUFkPELR HQWUH 3RQWR H 9tUJXOD $UUHGRQGDPHQWR GH 1~PHURV 0HQVDJHQV Índice 5 1 23 23 23 23 25 25 25 25 26 27 27 28 28 28 29 30 30 31 31 31 32 2 33 33 33 34 34 35 35 36 36 37 37 37 39 40 41 42 43 43 Percentagens para Negócios 7HFOD GH 3HUFHQWDJHP &iOFXOR GH XPD 3HUFHQWDJHP $GLomR RX 6XEWUDFomR GH XPD 3HUFHQWDJHP 9DULDomR 3HUFHQWXDO &iOFXORV GH 0DUJHP H 0DUJHP GH /XFUR &iOFXORV GH 0DUJHP 0DUJHP GH /XFUR HP &iOFXORV GH &XVWR 8VR GH 0DUJHP H 0DUJHP GH /XFUR -XQWRV Armazenamento de Números e Aritmética 8WLOL]DomR GH 1~PHURV $UPD]HQDGRV SDUD VH (IHWXDU &iOFXORV 8WLOL]DomR GH &RQVWDQWHV 8WLOL]DomR GR 5HJLVWUDGRU 0 8WLOL]DomR GH 5HJLVWUDGRUHV 1XPHUDGRV ([HFXomR GH &iOFXORV $ULWPpWLFRV HP 5HJLVWUDGRUHV ([HFXomR GH &iOFXORV $ULWPpWLFRV 2SHUDGRU GH 3RWHQFLDomR 8WLOL]DomR GH 3DUrQWHVHV HP &iOFXORV Identificação de Problemas Financeiros &RPR DERUGDU XP 3UREOHPD )LQDQFHLUR 6LQDLV GH )OX[RV GH &DL[D 3HUtRGRV H )OX[RV GH &DL[D -XUR 6LPSOHV H -XUR &RPSRVWR -XUR 6LPSOHV -XUR &RPSRVWR 7D[DV GH -XURV 'RLV 7LSRV GH 3UREOHPDV )LQDQFHLURV 5HFRQKHFLPHQWR GH XP 3UREOHPD 790 5HFRQKHFHQGR XP 3UREOHPD GH )OX[R GH &DL[D 3 4 45 45 46 47 47 47 48 49 49 49 51 6 Índice 5 53 53 55 55 55 61 64 68 73 74 75 77 77 79 79 80 82 83 86 87 89 89 90 90 90 91 91 91 92 93 95 98 Cálculo do Valor Temporal do Dinheiro 8WLOL]DomR GD $SOLFDomR 790 ([FOXVmR GR &RQWH~GR GH 790 0RGRV %HJLQ ,QtFLR H (QG )LP &iOFXORV GH (PSUpVWLPRV &iOFXORV GH 3RXSDQoD &iOFXORV GH $OXJXHUHV $PRUWL]DomR &RQYHUV}HV GH 7D[DV GH -XURV ,QYHVWLPHQWRV FRP 3HUtRGRV GH &RPSRVLomR 'LVWLQWRV 3HUtRGRV GH &RPSRVLomR H 3DJDPHQWR 'LIHUHQWHV Cálculos de Fluxo de Caixa 8WLOL]DomR GR $SOLFDWLYR GH )OX[R GH &DL[D 139 H ,55<5 )OX[RV GH &DL[D 'HVFRQWtQXRV 2UJDQL]DomR GH )OX[RV GH &DL[D ,QFOXVmR GH )OX[RV GH &DL[D 9LVXDOL]DomR H 6XEVWLWXLomR GH )OX[RV GH &DL[D &iOFXOR GR 9DORU 3UHVHQWH /tTXLGR &iOFXOR GD 7D[D ,QWHUQD GH 5HWRUQR $UPD]HQDPHQWR $XWRPiWLFR GH ,55<5 H 139 Cálculos Estatísticos ([FOXVmR GH 'DGRV (VWDWtVWLFRV ,QFOXVmR GH 'DGRV (VWDWtVWLFRV (VWDWtVWLFDV FRP 8PD 9DULiYHO (VWDWtVWLFDV FRP 'XDV 9DULiYHLV H 0pGLD 3RQGHUDGD &RUUHomR GH 'DGRV (VWDWtVWLFRV &RUUHomR GH 'DGRV FRP 8PD 9DULiYHO &RUUHomR GH 'DGRV FRP 'XDV 9DULiYHLV 5HVXPR GH &iOFXORV (VWDWtVWLFRV 0pGLD 'HVYLR 3DGUmR H (VWDWtVWLFDV GH 6RPDWyULRV 5HJUHVVmR /LQHDU H (VWLPDWLYD 0pGLD 3RQGHUDGD 6 7 Índice 7 8 99 99 99 100 101 102 102 102 104 105 107 109 110 111 113 113 115 117 118 118 120 Outros Exemplos $SOLFDo}HV HP 1HJyFLRV 'HILQLomR GH XP 3UHoR GH 9HQGD 3URMHomR %DVHDGD QR +LVWyULFR &XVWR GD 'HVFRQVLGHUDomR GH 'HVFRQWR SDUD 3DJD PHQWR j 9LVWD (PSUpVWLPRV H +LSRWHFDV 7D[D $QXDO 6LPSOHV &RPSRVLomR &RQWtQXD 5HQGLPHQWR GH XPD +LSRWHFD FRP 'HVFRQWR RX ÉJLR 3HUFHQWXDO $QXDO SDUD XP (PSUpVWLPR 7D[DGR (PSUpVWLPR FRP XP 3ULPHLUR 3HUtRGR 3DUFLDO )UD FLRQiULR (PSUpVWLPR SDUD &RPSUD GH $XWRPyYHO +LSRWHFDV &DQDGHQVHV +LSyWHVHV HP &iOFXORV 790 3RXSDQoDV 3RXSDQoD SDUD 3DJDPHQWR GH 8QLYHUVLGDGH *DQKRV 1mR 7ULEXWDGRV DWp D 5HWLUDGD 9DORU GH XPD &RQWD GH $SRVHQWDGRULD 7ULEXWiYHO ([HPSORV GH )OX[RV GH &DL[D +LSRWHFDV 5HILQDQFLDGDV 9DORU )XWXUR /tTXLGR Atendimento ao Cliente, Baterias e Assistência Técnica 5HVSRVWDV D 3HUJXQWDV &RPXQV /LPLWDo}HV $PELHQWDLV (QHUJLD H %DWHULDV ,QGLFDGRU GH 3RXFD (QHUJLD (VSHFLILFDo}HV GD %DWHULD ,QVWDODomR GDV %DWHULDV ,GHQWLILFDomR GD 1HFHVVLGDGH GH $VVLVWrQFLD 7pFQLFD *DUDQWLD /LPLWDGD GH 8P $QR 2 4XH e &REHUWR 2 4XH 1mR e &REHUWR A 123 123 125 125 125 125 126 127 128 128 129 8 Índice 129 130 130 130 131 131 131 132 133 133 7UDQVDo}HV GH &RQVXPR QR 5HLQR 8QLGR 6H D &DOFXODGRUD 3UHFLVDU GH $VVLVWrQFLD 7pFQLFD 2EWHQomR GH $VVLVWrQFLD 7pFQLFD 7D[D GH 6HUYLoR ,QVWUXo}HV SDUD (QYLR *DUDQWLD VREUH D $VVLVWrQFLD 7pFQLFD $FRUGRV GH $VVLVWrQFLD 7pFQLFD ,QIRUPDo}HV 5HJXODWyULDV 3DUD -DSmR VRPHQWH 7HUPRV H &RQGLo}HV GR 8VXiULR )LQDO Informações Adicionais sobre Cálculos &iOFXORV GH ,55<5 3RVVtYHLV 5HVXOWDGRV GR &iOFXOR GH ,55<5 6XVSHQVmR H 5HLQtFLR GH ,55<5 ,QFOXVmR GH XPD 6XSRVLomR SDUD ,55<5 (IHLWR GR 8VR GH ² SDUD &RUUHomR GH 'DGRV ,QWHUYDOR GH 1~PHURV (TXDo}HV &iOFXORV GH 0DUJHP H 0DUJHP GH /XFUR 9DORU 7HPSRUDO GR 'LQKHLUR 790 $PRUWL]DomR &RQYHUV}HV GH 7D[DV GH -XURV &iOFXORV GH )OX[R GH &DL[D (VWDWtVWLFDV Mensagens Índice remissivo B 135 135 135 136 136 137 137 138 138 138 139 139 140 141 143 145 C Índice 9 Visão Rápida (VWD VHomR GHVWLQDVH jTXHOHV TXH Mi HVWmR IDPLOLDUL]DGRV FRP D RSHUDomR GD FDOFXODGRUD RX FRP FRQFHLWRV ILQDQFHLURV (OD SRGH VHU XVDGD FRPR XPD UHIHUrQFLD UiSLGD 2 UHVWDQWH GR PDQXDO RIHUHFH H[SOLFDo}HV H H[HPSORV GRV FRQFHLWRV DSUHVHQWDGRV QHVWD VHomR Instruções Básicas -- Visão Rápida I B B ! 7 Bj B8 B Teclas: Visor: 0,00 0,00 0,00 12_ 0,00 0,00 0,00 Descrição: [rótulo laranja] /LJD D FDOFXODGRUD ([LEH R LQGLFDGRU GH SUHIL[R SHIFT ,QWHUURPSH D RSHUDomR GH SUHIL[R $SDJD R ~OWLPR FDUDFWHUH $SDJD R YLVRU $SDJD R FRQWH~GR GD PHPyULD HVWDWtVWLFD $SDJD WRGD D PHPyULD 'HVOLJD D FDOFXODGRUD Visão Rápida 11 Percentuais -- Visão Rápida h U ) 6RPDU Teclas: 3HUFHQWXDLV &XVWR 3UHoR 0DUJHP 0DUJHP GH /XFUR D Visor: 17,50 20,13 (QFRQWUDU D PDUJHP VH R FXVWR p GH H R SUHoR GH YHQGD p 15,00 22,00 31,82 6H R FXVWR p H D PDUJHP GH OXFUR p TXDO p R SUHoR GH YHQGD" 20,00 33,00 26,60 %# #h1 #U U !!) Visão Rápida Descrição: ,QFOXL R Q~PHUR 6RPD ,QFOXL R FXVWR ,QFOXL R SUHoR &DOFXOD D PDUJHP ,QFOXL R FXVWR ,QFOXL D PDUJHP GH OXFUR &DOFXOD R SUHoR 12 Teclas de Memória -- Visão Rápida E Å B3 ( Teclas: $UPD]HQD XPD RSHUDomR FRQVWDQWH $UPD]HQD XP YDORU QR UHJLVWUDGRU 0 ORFDomR GH PHPyULD 5HFXSHUD R Q~PHUR GR UHJLVWUDGRU 0 6RPD XP YDORU DR Q~PHUR DUPD]HQDGR QR UHJLVWUDGRU 0 $UPD]HQD XP YDORU QXP UHJLVWUDGRU QXPHUDGR 5HFXSHUD XP YDORU GH XP UHJLVWUDGRU QXPHUDGR 0XOWLSOLFDU H SRU DUPD]HQDQGR ´ï µ FRPR XPD RSHUDomR FRQVWDQWH $UPD]HQDU QR UHJLVWUDGRU H HP VHJXLGD UHFXSHUiOR 519,00 0,00 519,00 %4%E 11 #1 #'B3 7 ( Visor: 7,00 Descrição: 119,00 154,00 175,00 $UPD]HQD ´ï µ FRPR XPD RSHUDomR FRQVWDQWH 0XOWLSOLFD ï 0XOWLSOLFD ï 0XOWLSOLFD ï $UPD]HQD QR UHJLVWUDGRU $SDJD R YLVRU 5HFXSHUD UHJLVWUDGRU Visão Rápida 13 Valor Temporal do Dinheiro (TVM) -- Visão Rápida 'LJLWH TXDWUR YDORUHV GHQWUH RV FLQFR H REWHQKD D VROXomR SDUD R TXLQWR YDORU 8P VLQDO QHJDWLYR QR YLVRU UHSUHVHQWD R GLQKHLUR SDJR R GLQKHLUR UHFHELGR WHP YDORU SRVLWLYR F Æ P G By B 1~PHUR GH SDJDPHQWRV -XUR SRU DQR 9DORU SUHVHQWH 3DJDPHQWR 9DORU IXWXUR 0RGR %HJLQ RX (QG 0RGR GH Q~PHUR GH SDJDPHQWRV SRU DQR 6H YRFr WRPRX XP HPSUpVWLPR GH 39 SRU PHVHV 1 D GH MXURV ,<5 TXDO p R SDJDPHQWR PHQVDO" &RQILJXUH R PRGR (QG 3UHVVLRQH VHQGR H[LELGD ByVHDL QGLFDomR BEGIN HVWLYHU Descrição: B !$ F "Æ G P Teclas: 14 Visão Rápida Visor: 12,00 360,00 10,00 14.000,00 0,00 ­122,86 'HILQH RV SDJDPHQWRV SRU DQR ,QFOXL R Q~PHUR GH SDJDPHQWRV ,QFOXL R MXUR DR DQR ,QFOXL R YDORU SUHVHQWH ,QFOXL R YDORU IXWXUR &DOFXOD R SDJDPHQWR VH HVWH IRU SDJR DR ILQDO GR SHUtRGR Hipóteses TVM -- Visão Rápida 1mR p QHFHVViULR GLJLWDU QRYDPHQWH YDORUHV 790 SDUD FDGD H[HPSOR 8VDQGR RV YDORUHV Mi LQIRUPDGRV SiJLQD  FDOFXOH R YDORU GR HPSUpVWLPR D VHU VROLFLWDGR VH YRFr GHVHMD XP SDJDPHQWR GH @P Æ Teclas: Visor: ­100,00 Descrição: 11.395,08 ,QFOXL R QRYR YDORU GH SDJDPHQWR 'LQKHLUR SDJR p QHJDWLYR &DOFXOD R YDORU GR HPSUpVWLPR 4XDO VHUi R YDORU GR HPSUpVWLPR FRP XPD WD[D GH MXUR GH " 9,50 11.892,67 '#F Æ F "Æ P 10,00 14.000,00 ­122,86 ,QFOXL QRYD WD[D GH MXUR &DOFXOD R QRYR YDORU SUHVHQWH SDUD GH SDJDPHQWR H GH MXURV ,QFOXL QRYDPHQWH D WD[D GH MXUR RULJLQDO ,QFOXL QRYDPHQWH R YDORU SUHVHQWH RULJLQDO &DOFXOD R SDJDPHQWR RULJLQDO Visão Rápida 15 Amortização -- Visão Rápida $SyV FDOFXODU R SDJDPHQWR XVDQGR R 9DORU 7HPSRUDO GH 'LQKHLUR 790 LQFOXD RV SHUtRGRV D VHUHP DPRUWL]DGRV H SUHVVLRQH (QWmR SUHVVLRQH SDUD SHUFRUUHU RV YDORUHV GH MXUR SULQFLSDO H VDOGR LQGLFDGRV SHODV PRIN INT H BAL UHVSHFWLYDPHQWH BÄ 1 8VDQGR R H[HPSOR DQWHULRU GH 790 SiJLQD  DPRUWL]H XP SDJDPHQWR ~QLFR H HP VHJXLGD XP LQWHUYDOR GH SDJDPHQWRV $PRUWL]DU R SDJDPHQWR GR HPSUpVWLPR $PRUWL]DU GR DWp R SDJDPHQWR GR HPSUpVWLPR 12_ H BÄ 1 1 1 H BÄ 1 1 1 Teclas: Visor: 20,00 20 ­ 20 ­7,25 ­115,61 13.865,83 Descrição: ,QFOXL R SHUtRGR D VHU DPRUWL]DGR ([LEH R SHUtRGR D VHU DPRUWL]DGR ([LEH R SULQFLSDO ([LEH R MXUR 'LQKHL ...