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This program will run as written on the machines listed above. It provides a solution to the Time Value of Money situation involving annuities. This program is original with me. It will not solve problems where the interest rate is unknown; there's not enough memory in these models to do that and solve the other pieces at the same time. Also, if you lose a ton of money due to some defect in this program, I am not responsible.

**Key in all of these values, using a zero for unknown or not used. **

N STO 1 I STO 2 (Note: 7% is .07, 8% monthly is .08 / 4 or .02) 1+I STO 0 (Add one to what you just stored in Memory 2) PV STO 3 PMT STO 4 FV STO 5

1. Initialize: Key GTO 00, R/S. You will see a value in the display. Do NOT change the stack or do anything else before proceeding with the instructions below. If you do, it won't work.

2. Once you have initialized with step 1,

Given Do this N, I, PMT To solve for Present Value, Press R/S. N, I, PV To solve for Payment, GTO 17, R/S. N, I, PMT To solve for Future Value, GTO 21, R/S. N, I, FV To solve for Payment, GTO 26, R/S. I, PMT, PV To solve for Number of periods, GTO 32, R/S. I, PMT, FV To solve for Number of periods, GTO 32, R/S.

**Examples:**

100, STO 1; .10, ENTER, 12, /, STO 2; 1, +, STO 0; 100, STO 4; 0, STO 3, STO 5.

Key GTO 00. R/S. See 67.67 in the display. Press R/S. See answer of 6766.78.

3 years * 4 quarters per year is 12 quarters. Key 12, STO 1; .08, ENTER, 4, /, STO 2; 1, + STO 0; 1250 STO 3; 0, STO 4, STO 5.

If you just turned on the machine or just finished the first example, you don't need to key GTO 00.

Press R/S. See 10.58 in display. GTO 17. R/S. See answer of 118.20. Payment required per quarter.

Key 20, ENTER, 2, *, STO 1; .07, ENTER, 2, /, STO 2; 1, +, STO 0; 1000, STO 4; 0, STO 3, STO 5.

Key GTO 00, if needed (see example 2).

Press R/S. See 21.36 in display. GTO 21, R/S. See answer of 84550.28.

Key 20, ENTER, 2, *, STO 1; .07, ENTER, 2, /, STO 2; 1, +, STO 0; 100000, STO 5; 0, STO 3, STO 4.

Key GTO 00, if needed (see example 2).

Press R/S. See 21.36 in display. GTO 26, R/S. See answer of 1182.73.

Key .06, ENTER, 12, /, STO 2; 1, +, STO 0; 100, STO 4; 50000, STO 5; 0, STO 3.

Key GTO 00, if needed (see example 2).

Press R/S. See 36.17 in display. GTO 32, R/S. See answer of 251.18 months.

Key .09, ENTER, 12, /, STO 2; 1, +, STO 0; 20000, STO 3; 300, STO 4; 0, STO 5.

Key GTO 00, if needed (see example 2). Press R/S. See 0 in the display. (This is correct) GTO 32, R/S. See answer of -92.77 months. (Ignore negative sign).

Step Key 01 RCL 0 02 RCL 1 03 Y^X 04 STO 7 05 1 06 RCL 0 07 RCL 1 08 CHS 09 Y^X 10 - 11 RCL 2 12 / 13 R/S 14 RCL 4 15 * 16 GTO 00 17 RCL 3 18 / 19 1/X 20 GTO 00 21 RCL 7 22 * 23 RCL 4 24 * 25 GTO 00 26 RCL 7 27 * 28 RCL 5 29 / 30 1/X 31 GTO 00 32 1 33 RCL 2 34 RCL 4 35 / 36 RCL 3 37 X NE 0 38 GTO 44 39 RDN 40 RCL 5 41 * 42 + 43 GTO 46 44 * 45 - 46 LN 47 RCL 0 48 LN 49 /

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