Similarly, [

The major capability is to evaluate expressions and equations (including those that have variables) and print the results out in a table for easy review.

Below are five

1. A simple equation with a constant,
two functions, and two variables

2. Calculate race times and race paces

3. Calculate calories consumed during a bike ride and other actvities

4. Investigate mortgage payoff strategies (various extra payments each month)

5. Calculate the implications of refinancing a mortgage

(Home)

2. Calculate race times and race paces

3. Calculate calories consumed during a bike ride and other actvities

4. Investigate mortgage payoff strategies (various extra payments each month)

5. Calculate the implications of refinancing a mortgage

(Home)

tr = (pi-2.375)*(sqrt(x)*cos(omega-x))

and second, enter value(s) for the variables (as in the sample below) and tap .

x | |
---|---|

omega | |

This will yield the results shown below:

tr | x | omega | ||
---|---|---|---|---|

------ | --- | --------- | ||

Max | 1) | 1.6864589 | 5 | 5.18 |

2) | -0.9853364 | 5 | 9.1 | |

3) | 1.534163 | 5 | 17.104 | |

4) | -0.500223 | 7 | 5.18 | |

5) | -1.0239357 | 7 | 9.1 | |

Min | 6) | -1.5780752 | 7 | 17.104 |

Mdn | 7) | 0.2603652 | 10 | 5.18 |

8) | 1.5068937 | 10 | 9.1 | |

9) | 1.6523817 | 10 | 17.104 |

OpCount: | 558 |
---|---|

CP-Time: | 33µsec |

This sample illustrates the use of variables (

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Sample list → (Home)

Using Race Functions

The

which yields

Enter value(s) for

xmin | |
---|---|

which yields

Dist (mi) | Time | Pace | ||
---|---|---|---|---|

The Marathon: | 26.21875 | 3:00:00 | 6:52/mi | (8.74 mph) |

The Marathon: | 26.21875 | 3:10:00 | 7:15/mi | (8.28 mph) |

The Marathon: | 26.21875 | 3:20:00 | 7:38/mi | (7.87 mph) |

The Marathon: | 26.21875 | 3:30:00 | 8:01/mi | (7.49 mph) |

The Marathon: | 26.21875 | 3:40:00 | 8:23/mi | (7.15 mph) |

The Marathon: | 26.21875 | 3:50:00 | 8:46/mi | (6.84 mph) |

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Sample list → (Home)

Calories burned

You can use the

- Simply enter
*calories(*in the**[Expr]**box and the system will list the arguments and their descriptions for you - Tap [
Inputs ] → {Functions } →*Calories*to see the arguments (and descriptions); tapping theUse button will place the function in the**[Expr]**box for you

which yields

Here are two more

which yields

which yields

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Sample list → (Home)

Paying off a loan early

You can use the

which yields

Balance = $204,237 at 6.55% with monthly payments of $1,331.76. Total responsibility = 334 payments (333 × $1,331.76 + $447.13) = $443,923 ($239,687 = 54.0% is interest). (334 months = 27 years, 10 months)

Standard | $200 extra | |
---|---|---|

--------------- | -------------- | |

Balance | $204,237 | $204,237 |

Payment | $1,331.76 | $1,531.76 |

Last payment | $447.13 | $47.65 |

Months | 334 | 240 |

Interest | $239,687 | $161,902 |

% Interest | 54.0% | 44.2% |

--------------- | -------------- | |

Total | $443,923 | $366,138 |

--------------- | -------------- | |

Savings | — | $77,785 |

To investigate the impact of other extra amounts per month, use various values for the

Note the variable

Enter value(s) for

add | |
---|---|

which yields

Monthly | Monthly | /----------- Saves ----------\ | Final | Total | Total | |||
---|---|---|---|---|---|---|---|---|

Extra | Payment | $ | % | Months | Payment | Interest | Payments | |

0 | $1,331.76 | — | $447.13 | $239,687 | 54.0% | $443,923 | ||

$50 | $1,381.76 | $26,619 | 6.0% | 31 | $12.80 | $213,068 | 51.1% | $417,304 |

$100 | $1,431.76 | $47,323 | 10.7% | 56 | $3.15 | $192,364 | 48.5% | $396,601 |

$168.24 | $1,500 | $69,318 | 15.6% | 84 | $1,105.15 | $170,368 | 45.5% | $374,605 |

$200 | $1,531.76 | $77,785 | 17.5% | 94 | $47.65 | $161,902 | 44.2% | $366,138 |

$250 | $1,581.76 | $89,408 | 20.1% | 109 | $201.20 | $150,279 | 42.4% | $354,515 |

$300 | $1,631.76 | $99,364 | 22.4% | 122 | $257.47 | $140,322 | 40.7% | $344,559 |

$400 | $1,731.76 | $115,583 | 26.0% | 144 | $1,037.17 | $124,103 | 37.8% | $328,340 |

$500 | $1,831.76 | $128,280 | 28.9% | 161 | $580.17 | $111,406 | 35.3% | $315,643 |

→
Sample list → (Home)

Refinancing a loan

You can use the

which yields

Balance = $210,420.00 at 7.375% with monthly payments of $1,885.66. Current responsibility = 189 payments (188 × $1,885.66 + $1,809.77) = $356,313.85 ($145,893.85 = 40.9% is interest). (189 months = 15 years, 9 months)

Current Mortgage | New Mortgage (w/out Equity) | New Mortgage (w/ Equity) | New Mortgage (Old Payment) | |
---|---|---|---|---|

---------- | ---------- | ---------- | ---------- | |

Interest Rate | 7.375% | 5.125% | 5.125% | 5.125% |

Equity "Loan" | | 0.00 | $5,000.00 | $5,000.00 |

Balance | $210,420.00 | $213,170.00 | $218,170.00 | $218,170.00 |

Payment | $1,885.66 | $1,699.65 | $1,739.51 | $1,885.66 |

Last Payment | $1,809.77 | $1,699.65 | $1,739.51 | $1,710.84 |

Months | 189 | 180 | 180 | 160 |

Breakeven | | 15 | 37 | 22 |

Interest | $145,893.85 | $92,767.00 | $94,941.80 | $83,360.78 |

% Interest | 40.9 | 30.3 | 30.8 | 28.1 |

---------- | ---------- | ---------- | ---------- | |

Total To Pay | $356,313.85 | $305,937.00 | $308,111.80 | $296,530.78 |

---------- | ---------- | ---------- | ---------- | |

Savings | — | $50,376.85 | $48,202.05 | $59,783.06 |

- "Breakeven" is defined as the time (months) from the new
mortgage til the current and new balances are the same. This
computation is more representative than the simpler
(delta dollars)/(delta payment) method, and when the new interest rate
is lower than the old rate, will result in a quicker breakeven.
- Note that the $5,000.00 equity "loan" with the
refinance will end up costing $7,174.80 (that is, $2,174.80 in
interest)
- The rightmost column represents the "what-if" computation of getting the new loan (5.125%), but continuing to pay it off with the old payment ($1,885.66)