Ativa AT 10 User Manual

Loan Calculations  
Calculating a mortgage  
You are buying a $120,000 Town House.  
Your down payment is 10% ($12,000), and you  
will be financing $108,000 at 8% for 30 years.  
What is your payment?  
Getting Started  
Calculating the Time Value  
of Money  
Financial Calculator  
Note: Your Calculator is powered with  
a long-life, Lithium battery to assure  
uninterrupted service.  
(See “Battery Replacement” below for  
change-out procedure.)  
Savings calculations  
Model AT-10  
Save $  
Compute  
Future $  
Number of years  
Monthly installment  
Calculate  
Annual Yield  
%
Annual yield  
Home Loan of  
$108,000  
[Loan $]  
Month  
/Year  
Number of  
compound  
periods a year  
Future value  
Number of years  
to pay  
Power On and Off  
Yr Int% L$ S/P$ D/M Yr F$ MXN RATE USD  
30  
[No. of Years]  
Interest Rate  
8% [Interest Rate %]  
ON  
[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  
FINANCIAL  
How much money will I have if I save $150  
a month at 4% for the next 10 years?  
12 payments  
a year  
12  
[Month/Year]  
$
$
$
$
SAVING  
Tax  
LOAN  
Press--  
[Compute] [Pay$]  
$792.47  
Tax Set  
Margin  
Cost  
Sell  
Cost  
Save $150  
a month  
150  
10  
4
[Save $]  
Tax  
Cost  
Sell  
[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.  
Margin  
Margin  
Sell  
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).  
Currency Converter  
Rate Set  
For 10 years  
[No. of Years]  
[Annual Yield %]  
Foreign  
At 4%  
interest rate  
[CE] Tapping this key clears only the last  
entry without clearing the problem.  
Making 12  
payments  
a year  
AT-10  
[Month/Year]  
12  
For Example:  
Annual taxes at $2,400, and annual insurance  
at $600 = $200 monthly tax payment + a $50  
monthly insurance payment. Adding these to  
the total payment of $792.47 give us a total  
monthly payment of $1,042.47 (This is called  
Principal + Interest + Taxes + Insurance or PITI.)  
[Compute] [Future$]  
$22’ 161.10  
Press--  
Operation Manual  
Battery Replacement  
Loan calculations  
Your Financial Calculator  
is designed to be reliable  
and easy to use.  
This manual will provide clear  
instructions for all product  
functions.  
1. Slide the unit out of its case and turn  
the unit over,face down.  
Loan $  
Mortgage amount  
Calculate  
Number of years  
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 not  
exceed 36% of your gross family monthly income.)  
Interest Rate  
%
Compute  
Pay $  
Interest rate  
2. Use a small head  
screwdriver to loosen  
two screws on battery  
compartment cover  
and remove the cover  
(see diagram).  
Month  
/Year  
Number of  
compound  
periods a year  
Monthly payment  
An Affordable, 12-Digit Multi-function  
Calculator with Built-in Software  
Components.  
Calculating an automobile loan  
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?  
3. Use a small head  
screwdriver to push up  
old battery.  
Features  
Calculate the Time and Value of Money  
(Savings, Automobile and Mortgage Loans).  
$6,000  
[X]  
28  
[%]  
$1’680  
(see diagram)  
Interest Calculations  
Automotive  
Loan  
$17,000  
[Loan $]  
How much loan can I get with  
a PITI of $1,680  
4. Replace the lithium  
battery (CR-2025),  
making sure the positive  
(+) side is up.  
Business Profit analysis (cost, sell & margin)  
Currency conversions  
Number of  
years to pay  
[No. of Years]  
[Interest Rate%]  
5
Enter Payment  
$1,680  
[Pay $]  
Tax Calculations  
Savings Calculations  
Number of years  
to pay  
Interest Rate  
8%  
12  
30  
[No. of Years]  
Built-in 3-key Memory Functions  
5. Replace the cover  
and screws.  
Auto Power-Off -- Turns Unit off After  
5 Minutes Idle  
Interest Rate  
8% [Interest Rate%]  
12 payments  
a year  
[Month/Year]  
12 payments  
a year  
Slip Cover -- Slips the Unit Out of the “Base”,  
Reverse it, and Slide it Back in the Base to Store.  
12  
[Month/Year]  
Note: The Lithium battery in this calculator  
should be replaced approximately every 2 years.  
[Compute] [Pay$]  
$344.70  
Press--  
Integrated Flip-Down Stand, for Easy Viewing  
Adjustment  
Press--  
[Compute] [Loan $] $228’956.27  

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