Ativa AT-10 Manuals

Getting Started Note: Your Calculator is powered with a long-life, Lithium battery to assure uninterrupted service. (See “Battery Replacement” below for change-out procedure.) Power On and Off [ON] Pressing this key and holding it a second turns the calculator on. This key is also used to clear all calculations, which is accomplished with a tap. [OFF] Turns the calculator off. The unit also has an auto power-off feature which turns the unit off after 5 minutes of non-use. [CE] Tapping this key clears only the last entry without clearing the problem. Note: The Lithium battery in this calculator should be replaced approximately every 2 years. Battery Replacement Features Calculate the Time and Value of Money (Savings, Automobile and Mortgage Loans). Interest Calculations Business Profit analysis (cost, sell & margin) Currency conversions Tax Calculations Savings Calculations Built-in 3-key Memory Functions Auto Power-Off -- Turns Unit off After 5 Minutes Idle Slip Cover -- Slips the Unit Out of the “Base”, Reverse it, and Slide it Back in the Base to Store. Integrated Flip-Down Stand, for Easy Viewing Adjustment Operation Manual Number of years Annual yield Future value Calculate Save $ Compute Future $ No. of Years Annual Yield % Month /Year Number of compound periods a year Monthly installment Loan calculations Number of years Interest rate Monthly payment Calculate Loan $ Compute Pay $ No of Years Interest Rate % Month /Year Number of compound periods a year Mortgage amount Your Financial Calculator is designed to be reliable and easy to use. This manual will provide clear instructions for all product functions. An Affordable, 12-Digit Multi-function Calculator with Built-in Software Components. 1. Slide the unit out of its case and turn the unit over,face down. 2. Use a small head screwdriver to loosen two screws on battery compartment cover and remove the cover (see diagram). 3. Use a small head screwdriver to push up old battery. (see diagram) 4. Replace the lithium battery (CR-2025), making sure the positive (+) side is up. 5. Replace the cover and screws. [Compute] [Future$] $22’ 161.10 [Save $] [No. of Years] [Annual Yield %] [Month/Year] Press-- Making 12 payments a year 12 At 4% interest rate 4 10 For 10 years Save $150 a month 150 How much money will I have if I save $150 a month at 4% for the next 10 years? Calculating the Time Value of Money Savings calculations [Compute] [Pay$] Automotive Loan Number of years to pay Interest Rate 12 payments a year Press-- $344.70 [Month/Year] 12 [Interest Rate%] 8% [No. of Years] 5 [Loan $] $17,000 You have your eye on a new car. The cost of the car is $22,000, and your down payment will be $5,000. You will be financing $17,000 at 8%. What will your payments be? Calculating an automobile loan You are buying a $120,000 Town House. Your down payment is 10% ($12,000), and yo will be financing $108,000 at 8% for 30 years What is your payment? [Compute] [Pay$] $792.47 Home Loan of $108,000 [Loan $] Number of years to pay 30 [No. of Years Interest Rate 8% [Interest Rate % 12 payments a year 12 [Month/Year] Press-- A word about mortgage payments (PITI A mortgage payment will include the mortgage payment principal and interest, in this case $792.47. It will also include the monthly real estate taxes and insurance payment (Divide the annual rate by 12 to get the monthly rate For Example: Annual taxes at $2,400, and annual insuran at $600 = $200 monthly tax payment + a $5 monthly insurance payment. Adding these t the total payment of $792.47 give us a total monthly payment of $1,042.47 (This is calle Principal + Interest + Taxes + Insurance or PITI.) How to compute the mortgage payment you can afford Industry guidelines indicate that a consumer should spend about 28% of his monthly income on housing. If your combined family monthly income is $6,000, you can afford a mortgage payment (PITI) of $1,680. (Other payments. like credit card and car payments, installment loans, etc., should no exceed 36% of your gross family monthly income How much loan can I get with a PITI of $1,680 [Compute] [Loan $] $228’956.27 Enter Payment $1,680 [Pay $] Number of years to pay 30 [No. of Years] Interest Rate 8% [Interest Rate%] 12 payments a year 12 [Month/Year] Press-- Loan Calculations Calculating a mortgage $6,000 [X] 28 [%] $1’680 Financial Calculator Model AT-10 FINANCIAL OFF $ $ $ $ SAVING LOAN ON Tax Set Margin Sell Cost Cost Cost Sell Sell Tax Tax Margin Margin Foreign Rate Set Currency Converter AT-10 Yr Int% L$ S/P$ D/M Yr F$ MXN RATE USD