Instruction Manual - Monroe Systems for Business

Instruction Manual - Monroe Systems for Business
monroe
the calculator company
user manual
8125
desktop print display calculator
designed by josh owen
Green Plea
Contacting Monroe
Thank you for purchasing the Monroe 8125.
Monroe calculators are well known for their
durability and longevity. We expect you’ll be
enjoying your new 8125 for years to come, as
the “throwaway” calculator philosophy has
never found traction here at Monroe.
Monroe Systems for Business, Inc
Please dispose of the old calculator this 8125
replaces in a responsible manner. Then when it
comes time to say good bye to this one, please
do the same. Also, please recycle the gift box
and other packing material.
The bag protecting your new 8125 is reusable.
Disposal options to consider:
• Donate your old calculator to a deserving
organization.
• Take your old calculator to an appropriate
disposal and recycling center.
• Or, upon receipt of your new calculator, pack
the old calculator in the new calculator box and
return it to Monroe. We’ll handle the proper
disposal.
47 Runway Drive, Suite G
Levittown, PA 19057
Phone: 888-666-7631
Fax: 877-666-7635
Email: csr@monroe-systems.com
Web Site: www.monroe-systems.com
Record Your
Serial Number
Please record the Serial Number of your new
calculator and the date received in the space
provided below. Retain this instruction booklet
for your records and future reference.
Monroe 8125
Serial Number
Installation Date
2
Registering
Your Warranty
The 8125 is backed by a comprehensive 6
month Limited Warranty that covers parts and
labor. The same comprehensive protection
can be extended with a Monroe Maintenance
Agreement, renewable annually. To register the
warranty and/or learn more about the Monroe
Maintenance Agreement:
Call: 888-666-7631
Email: csr@monroe-systems.com
Contact: www.monroe-systems.com
(Please provide model number
and serial number.)
Warning
NOTE: This equipment has been tested and
found to comply with the limits for a Class
B digital device, pursuant to Part 15 of the
FCC Rules. These limits are designed to
provide reasonable protection against harmful
interference in a residential installation. This
equipment generates, uses and can radiate
frequency energy and, if not installed and used
in accordance with the instructions, may cause
harmful interference to radio communications.
However, there is no guarantee that
interference will not occur in a particular
installation. If this equipment does cause
harmful interference to radio or television
reception, which can be determined by turning
equipment off and on, the user is encouraged
to try to correct the interference by one or more
of the following measures:
• Reorient or relocate the receiving antenna.
• Increase the separation between the
equipment and receiver.
• Connect the equipment into an outlet on a
circuit different from that to which the receiver
is connected.
• Consult an experienced radio/TV technician
for help.
If necessary, the user should consult Monroe
or an experienced radio/TV technician for
additional suggestions.
3
About
the 8125
Nearly a century has passed since Jay R.
Monroe introduced the first commercial
calculator to the business community. At the
time his vision was “to manufacture a machine
to turn out routine figures; one that would add
and subtract, multiply and divide with equal
ease and would produce the answers almost
as fast as they can be written down; that would
be simple and practically foolproof to operate,
with all factors used visible on the machine
so the operator would know the answers were
correct.” “Such a machine” thought Monroe,
“would greatly increase the efficiency of the
office worker and would be a tremendous boon
to the executive”. While it would be hard to
describe the first Monroe as “fast” by today’s
standards, it was certainly a huge advance, as
all computations were performed manually at
the time.
The Monroe 8125 is the beneficiary of that
century of experience working directly with
America’s premier businesses. Working
directly means a Monroe sales representative
has been in virtually every business. That
representative has observed all figure-work
routinely performed in that office and provided
feedback to Monroe’s planning department
for improvements in future products. Those
improvements have always set the Monroe
calculator apart from all others, as no other
4
calculator company works directly with
end users. This first hand interaction with
business has resulted in unique, ground
breaking features to simplify the work routinely
encountered in business. Nowhere is this
legacy more apparent than the Monroe 8125.
But the Monroe 8125 isn’t just another
functionally superior Monroe calculator. Prior
to commencing development of the 8125, we
listened carefully to our customer base. At
trade shows and during in-person meetings,
our users almost overwhelming asked us to
develop a calculator with a smaller footprint
– so that it would fit more comfortably into an
increasingly complex desktop environment.
Such a calculator should also retain the
functionality of our heavy-duty models and
maintain the reliability for which Monroe is well
known. With those basic criteria we added
one other requirement; it must be visually
compelling. For that we sought the expertise
of award winning industrial designer Josh
Owen. Owen’s iconic approach celebrates
functionality and performance as the primary
measures which define beauty. His design
for the 8125 exudes clarity by blending utility,
usability, materiality and engineering. The
power of that philosophy and the depth of
Monroe experience merge into the finest
calculator of its time, the Monroe 8125.
About
Monroe
The rich heritage of Monroe spans nearly a
century. Established in 1912 by Jay R. Monroe,
the company introduced the first commercially
available calculator. While much has changed
in the intervening years the founding
philosophy of providing superior products
combined with outstanding customer service
remains the cornerstone of Monroe’s success.
We recognize that customers are the only
reason we exist. It is not surprising therefore
that today’s Monroe places major emphasis on
continuously improving the value we deliver to
our customers. We count our customers by the
thousands, yet treat each customer as though
they were our only customer. We measure our
value in the longevity of our relationships, many
of which span decades.
With a string of firsts unparalleled in the
industry, Monroe is clearly the definitive
calculator product line. From the “first”
commercial calculator to today’s
unprecedented models, Monroe calculators
have always set the standard.
If you are looking for a company whose
business ethic embraces quality of product,
quality of service, quality of people and
dedication to customer satisfaction, you need
look no further than Monroe.
5
Table of
Contents
Getting Started
8
Using the C/CE Key
38
8
Percentages
39
Installing Paper Roll
9
Percent Increase
40
Changing a Ribbon
10
Percent Decrease
41
Changing the Battery
11
Accumulative Results, =+ and =−
42
Proper Care and Maintenance
12
Independent Memory
43
Remove Foam Pad
8125 Overview
14
Changing the Sign of a Number
44
Keyboard Diagram
14
Square Root
45
Major Key Groupings
16
Storing a Tax Rate
46
Slide Switches
18
Computing Tax
47
Factory Default Settings
19
Using the Tax Key to
Definable Settings
20
Compute before Tax Cost
48
22
Setting the Time and Date
49
Time and Date Stamping the Tape
50
Definable Keys
Basic Operations
24
Addition and Subtraction
25
Repeat Addition and Subtraction
26
Addition and Subtraction with N Count
27
Advanced Operations
54
Using the Definable Settings
55
Addition and Subtraction with N Count,
6
Basic Two Column Addition
51
Basic Editing Functions
52
Intelligent N Count and Automatic Average 28
∑ X
56
Group and Grand Total
29
∑ T
57
Group and Grand Total with N Count
30
Running ◊ Printed
58
Printing a reference number or date
31
Running ◊ Displayed
59
Back Space, Error Correction
32
Truncate
60
Multiplication and Division
33
Round Up
61
Constant Multiplication
34
Automatic Incrementing
Constant Division
35
Identification Numbers
62
Calculator Mode Correction
36
∑ M
63
Chain Multiplication and Division
37
Print All Defined Functions
64
Price/Price Mode
66
Units/Price Mode
67
Price/Units Mode
68
Variable Add Mode
70
Nickel Rounding
71
Paper Saver Mode
72
Tax Key for Discount
73
Clearing all Definable Settings
74
Setting International Punctuation
75
Setting International Date Format
76
Setting 24 Hour Clock Format
77
Using the User Definable Keys 79
Finance
80
Currency Conversion
88
VAT Tax
92
Discounted Tax
96
Time Card
100
Cost/Sell/Margin -
Reciprocal - Percent Change
104
Memory II - RV
108
Spreadsheet/Crossfooting
Advanced Functions
112
120
Automatic Two Column Addition Variations 121
Changing the 8125 to a Time Calculator
Advanced ∑M
126
130
Glossary of Features
136
Limited Warranty
145
7
Getting
Started
Remove the ribbon cushion!
To protect the print mechanism and secure the
ribbon spools in position during shipment a
foam pad lies between the ribbon spools and
the printer door.
Remove this foam pad
before operating!
Failure to remove this pad will result in
misoperation and possible damage to the
calculator.
Warning
hazard of electrical shock.
No user serviceable parts are
contained inside. All servicing
must be done by a qualified
service person.
The socket-outlet shall be installed near the
equipment and easily accessible.
8
Changing
the Paper Tape
Installing the Paper Roll
(Use 2 ¼” Paper Tape)
To ensure ease of installation, read the
instructions completely before installing a new
paper roll. Then follow the instructions stepby-step.
• Tear off excess paper at the paper knife
• Remove the Paper Cover. To remove the
paper cover, lift the paper roll cover from the
back, using the finger tab provided.
• Lift up and remove used paper roll from the
paper cavity. Tear off paper between the used
paper roll and the printer. Pull remaining paper
through the printer by continuously lifting the
leading edge (nearest display).
• Place the new paper roll in the paper roll
cavity. The leading edge of the paper should be
feeding from the bottom of the paper roll. Feed
the leading edge of the paper into the rear of
the print mechanism. A slot with embossed
down arrows indicates the paper feed slot.
Feed the paper until resistance is encountered.
Depress the paper advance button until the
paper extends several inches beyond the
printer mechanism.
• Insure the paper is fed through the slot to the
back of the tear off knife. Replace Paper Roll
cover. Tear off excess paper.
9
Changing
the Ribbon
(Use P65M, Black/Red twin spool ribbon)
To ensure ease of installation, read the
instructions completely before installing a new
twin spool ribbon. Then follow the instructions
step-by-step.
• Remove excess paper tape.
• Remove the paper cover and printer cover
(Note how ribbon feeds from outside of spools,
around guides and between print wheels and
platen, black band up.)
correct
• Lift out spool that is not engaged by lever;
then move lever aside and lift out other spool.
• Holding new spools over spindles with black
band up and exposed portion of ribbon on
side nearest print wheels, place one spool on
spindle not engaged by lever. Rotate spools to
be sure its pins engage in spindle gear.
• Thread ribbon around guides and between
print wheels and platen.
• Install other spool and rotate to engage
spindle gear and also to take up slack in
ribbon.
• Replace printer cover.
10
incorrect
Changing
the Battery
The 8125 is battery supported. This eliminates
the need to re-enter date, time and other
custom functions enabled through the “define
key”. When the life of the battery is exhausted,
the “define key” functions will be lost and the
battery must be replaced. When replacing the
battery, be sure to follow the steps below.
• Turn the AC power switch off.
• Remove the battery compartment cover
located on the bottom right of the calculator
case.
• Remove the used battery, using a pen, push
the battery to the right as far as possible, using
your finger, slide the battery to the right until it
clears the battery holder.
Battery
• Dispose of used battery in accordance with
government regulations
Reset
• Install the new battery, using CR2025 or
Monroe recommended equivalent battery
only. Orient the replacement battery so the +
symbol is on the top and slide fully to the left.
• Press the RESET button using a pen.
• Replace the battery compartment cover.
• Turn on the AC power switch.
• Restore your Define Key functions.
Caution
risk of explosion if battery is
replaced by incorrect type.
dispose of used batteries
according to the instruction.
11
Proper Care &
Maintenance
1. Avoid locating and using the calculator in
direct sunlight. Areas of high humidity, rapid
temperature fluctuations and dirt should also
be avoided.
2. Use a dry cloth to clean the calculator
case parts. Do not use water, detergents, or
solvents.
3. Do not place objects on the calculator. Avoid
performing office functions, such as stapling,
above the unit.
4. To preserve the brightness of the display,
turn the 8125 off when not in use. Use the dust
cover to keep your calculator clean.
5. Prior to unplugging the calculator make sure
the calculator has been turned off.
6. Repairs should be performed by trained
technicians. There are no user serviceable
parts in this unit. DO NOT ATTEMPT TO
DISASSEMBLE THIS UNIT IN ANY WAY.
7. THIS CALCULATOR SHOULD NOT BE
USED IN OR NEAR WATER.
8. The socket-outlet shall be installed near the
equipment and shall be easily accessible.
12
13
8125 Overview
Keyboard Diagram
1
Decimal Selector
2
Define Key
3
Time/Calc Switch
4
Two Column/Grand Total Switch
5
Display, Print/Display, n Count Switch
6
Paper Advance Key
7
Tax Key
8
User Definable Keys
9
Time/Date Key
10
Change Sign Key
11
Memory One Total Key
12
Memory One Subtotal Key
13
Memory One Minus Key
14
Memory One Plus Key
15
Equals Minus Key
16
Equals Plus Key
17
Percent Key
18
Clear/Clear Entry Key
19
Backspace Key
20
Divide Key
21
Equals Key
22
Times Key
23
Numeric Keypad
24
Minus Key
25
Plus Key
26
Reference Number Key
27
Subtotal Key
28
Total Key
14
15
Major Key
Groupings
Adding Machine - A
Accumulator Keys - f
The keys in this grouping are referred to as
the Adding Machine Controls. This portion
of the 8125 will be referred to as the Adding
Machine, or Accumulator. Accumulation takes
place in the adding machine through entry and
depression of the plus or minus keys. The ◊ key
recalls and prints/displays the contents of the
adding machine, but does not clear the adding
machine. The ✱ key recalls and prints/displays
the contents of the adding machine and clears
it’s contents.
The =+ and =− keys are accumulator keys.
During normal operation they complete
a calculation and store the results of that
calculation in the adding machine. The adding
machine (A) and accumulation keys (D)
combine to create the Accumulator.
✱ (Total Key) - b
This is the ONLY key that can clear
the contents of the adding machine/
accumulator.
Numeric Keypad - c
Includes 0 – 9, 00 and decimal point keys.
Calculator Controls - d
The keys in this grouping are referred to
as the Calculator Controls. This side of the
8125 is the calculator portion. Note: The
calculator and the adding machine
are completely separate and
independent.
C/CE - e
Clears a live entry or pending calculation.
NOTE: The C/CE key does not clear
the adding machine/accumulator.
16
Independent Memory - g
The keys in this grouping comprise the
Independent Memory.
User Defined Keys - h
Optional functions available. Pressing the
Define Key and entering a code re-defines
these five user Definable Keys.
Define Key - I
Enables the optional functionality and/or
defines the function of the five User Definable
Keys.
17
Slide
Switches
Decimal Selector Switch
Allows selection of up to nine decimal settings
+, F, 0, 1, 2, 3, 4, 5, 6. For example, when set
at 2, all totals and results will contain two
decimal places; at 0 no decimals will be printed
or displayed. In Floating (F) decimal setting,
results are expressed at maximum decimal
accuracy. When working with dollars and
cents, the Decimal Selector can be set at Add
Mode (+), eliminating the need to enter the
decimal point.
d/pd/n Selector Switch
Allows the 8125 to be operated in Display only
mode (d position), Print and Display mode (pd)
or Print and Display mode with n count (n).
tc/
/gt Selector Switch
This switch allows three choices. The tc
position stands for “two column”. The
position is the neutral/off position, and the gt
position stands for “group and grand total”.
Time/calc Selector Switch
This switch allows two choices. In the time
position, the 8125 assumes entries are hours
and minutes and operates in time clock
mode. In the calc position, the 8125 operates
normally.
18
Factory
Default Settings
The 8125 has a number of optional features and
functions that may be enabled as illustrated in
the next section. Certain Settings are referred
to as “default settings”, i.e. when you receive
the 8125, it comes with these settings from the
factory.
US Punctuation
Tax key
Numbers are formatted with commas
separating thousands and a decimal point
separating dollars and cents, e.g. 1,234.15.
If a rate is stored with the tax key, the
calculation will be assumed VAT, i.e., tax will
compute the amount prior to the addition of
that tax rate amount.
US Date Format
It is assumed that entry of date and any
calculation based upon dates will be mm.dd.
yyyy.
Editing Keys
12 hour clock
Rounding
It is assumed that the time clock calculations
are based on 12 hour clock format. NOTE: In
this format entries can be made in 24 hour
clock format, but results will be in 12 hour
format.
5/4 rounding is assumed.
The five user definable keys are defined with
the editing function.
Units/Units mode
If the decimal is at + (add mode), multiplying
12 x 5 for example will be accepted as whole
number times whole number.
19
Definable
Functions
The 8125 contains a number of user selectable
internal options. These settings can simplify
routine calculations, save unnecessary steps
and permit the user to adapt the 8125 to their
specific tasks. These internal functions are
activated by pressing the Define Key followed
by the numeric or function key shown below.
∑X
Sum of 1st factor ( × or ÷ )
∑T
Sum = and % results
Running ◊ Print
Print ◊ after entry
Running ◊ Display
Display ◊ after entry
Truncate
Rounding Disabled
Round Up
Set Identifier
∑M
Round up to decimal point.
Auto incrementing identification numbers
Sum =, %, elapsed time and taxes
Print Defined Functions
Print current enabled functions
1st/2nd entries - dollars/cents
Price/Price
Units/Price
20
1st entry whole number, 2nd entry dollar/cents
Price/Units
1st entry dollar/cents, 2nd entry whole number
Variable Add Mode
Preset automatic decimal place entries
Nickel Rounding
Round to the nearest Nickel
Paper Saver Mode
Eliminates extra spacing after totals
Discount
Percentage decrease
Automatically sums columns and rows
Crossfooting
Clear All Defined Functions
Reset to default settings
International Punctuation
Change numeric format to 1.234,56
International Date
Change date format to dd.mm.yyyy
Change clock format to 24 hour clock
24 Hour Clock
21
Definable
Keys
Definable keys are the five keys located just
below the switches. They appear on the
calculator as shown below.
Finance
Currency Conversion
VAT Tax
These keys may be redefined to perform
alternate functions.
These keys can be changed to the
corresponding function by depressing the
define key and the matching sequence below.
By default the keys are set to the editing
functions.
Discount Tax
Time Card
Editing
Profit/Margin
Memory II
Spreadsheet
22
Finance
FV
PV
Rate
Term
Payment
Currency
Conv.
Home
C1
C2
C3
C4
VAT
Tax
Tax 1
Tax 2
Tax 3
Tax 4
Tax 5
Discount
Tax
Tax 1
Tax 2
Tax 3
Tax 4
Tax 5
Time
Card
Start
End
Elapsed
Days
Dec. Equiv
Editing
Replace
Insert
Reprint
Profit/Margin
Cost
Sell
Margin
1/X
%∆
Memory
II
M ✱
M◊
M−
M+
RV
Spreadsheet
Total
Column
Row
Skip
Jump To
23
Basic
Operations
When the 8125 On/Off switch is moved to
the On position, the audit trail C✱ will print.
note: previously defined internal
functions and previously defined
special functions, Date and Time
are Retained.
Addition and Subtraction
25
Repeat Addition and Subtraction
26
Addition and Subtraction with N Count
27
Addition and Subtraction with N Count,
Intelligent N Count and Automatic Average
28
Group and Grand Total
29
Group and Grand Total with N Count
30
Printing a reference number or date
31
Back Space, Error Correction
32
Multiplication and Division
33
Constant Multiplication
34
Constant Division
35
24
Calculator Mode Correction
36
Chain Multiplication and Division
37
Using the C/CE Key
38
Percentages
39
Percent Increase
40
Percent Decrease
41
Accumulative Results, =+ and =−
42
Independent Memory
43
Changing the Sign of a Number
44
Square Root
45
Storing a Tax Rate
46
Computing Tax
47
Using the Tax Key to Compute before Tax Cost
48
Setting the Time and Date
49
Time and Date Stamping the Tape
50
Basic Two Column Addition
51
Basic Editing Functions
52
Addition &
Subtraction
switch Settings
Example
2.77 + 14.98 − 3 = 14.75
Enter
DepressPrint
277
2.77C+
1498
14.98 +
3.
3.00 −
14.75 ✱
Operational Notes
When the Decimal Selector is
in the + position (add mode)
there is no need to depress the
decimal point key when adding
dollars and cents.
The Decimal Point Key may
be pressed during any entry.
Doing so overrides add mode
entry, placing the decimal point
where needed.
The first entry into a clear
accumulator prints with a
unique audit trail symbol; C+ if
positive, C− if negative and C✱
if completed by =+ or =−.
25
Repeat Addition
& Subtraction
switch Settings
Example
2.77 + 14.98 + 14.98 − 3 = 29.73
Enter
DepressPrint
277
2.77C+
1498
14.98 +
14.98 +
3.
3.00 −
29.73 ✱
26
Operational Notes
To repeat an entry, simply
press either + or − again for the
entry to be repeated.
Addition & Subtraction
With N Count
Switch Settings
Example
2.77 + 14.98 − 3 = 14.75
Enter
DepressPrint
277
2.77C+
1498
14.98 +
3.00 −
3.
Operational Notes
When the d/pd/n switch is
in the n position, the entries
are counted. The number of
entries prints in red on the left
side of the tape when ◊ or ✱ is
pressed.
003
14.75 ✱
27
Addition & Subtraction with
Intelligent N Count & Automatic Average
Switch Settings
Example
2.77 − 2.77 + 14.98 − 3.00 = 11.98 - Average = 5.99
Enter
DepressPrint
277
Operational Notes
2.77C+
2.77 −
1498
14.98C+
3.00 −
3.
002
11.98 ✱
When the d/pd/n switch is in
the n position, intelligent n
count and automatic averaging
are enabled. Intelligent n
count simply means, if a
number is entered and the plus
key pressed, an immediate
depression of minus assumes
the entry was made in mistake
and is being corrected.
Therefore the n count will not
reflect the correction.
5.99M=
A depression of the = key
following a depression of the
◊ or ✱ key when n count is on
will automatically calculate and
print the average of the entries.
28
Group &
Grand Total
Switch Settings
Example
(2.77 − 2.77 + 14.98 − 3.00) + (5.25 + 6.35 + 8.00) = 31.58
Enter
277
DepressPrint
2.77C+
2.77 −
1498
3.
14.98C+
3.00 −
11.98 ✱
525
5.25C+
635
6.35 +
8.
8.00 +
Operational Notes
When the tc gt switch is in
the gt (grand total) position,
any entry made to the adding
machine is repeated in the
grand total memory. The first
depression of the ✱ key recalls
and prints the sum in the
adding machine, depressing
the ✱ key again immediately
thereafter, prints the sum in the
grand total memory.
19.60 ✱
31.58G ✱
29
Group & Grand Total with
N Count & Automatic Average
Switch Settings
Example
(2.77 − 2.77 + 14.98 − 3.00) + (5.25 + 6.35 + 8.00) = 31.58 - Average = 6.32
Enter
DepressPrint
277
2.77C+
2.77 −
1498
The number of items in each
column is counted as well as
the total number of items in the
grand total memory.
14.98C+
3.00 −
3.
002
11.98 ✱
525
5.25C+
635
6.35 +
8.
8.00 +
003
19.60 ✱
005
31.58G ✱
6.32M=
30
Operational Notes
A depression of the = key
following a depression of the
◊ or * key when n count is on
will automatically calculate and
print the average of the entries.
Printing a Date
or Reference Number
Switch Settings
Example
Ref # 15568 or Date 4/25/2012
Enter
DepressPrint
15568
#15568
4.25.2012
4 25 2012
Operational Notes
When entering a reference
number, pressing the decimal
point key will create a space
between numbers. All
reference numbers print red on
the left side of the tape.
These reference numbers
do not have any affect on
summations or calculations,
they are merely reference
numbers.
31
Back Space Key,
Correcting Entry Errors
Switch Settings
Example
125689 entered rather than 125687
Enter
125689
Depress
Display
125,689
12,568
7
125,687
Operational Notes
The Back Space Key is used
to correct a “live entry”. A live
entry is one which has just
been entered, exists in the
display, and where no function
(completion key) has been
pressed.
Pressing the Back Space Key
will back out one digit at a time
from the displayed amount.
Enter the corrected figure and
proceed.
32
Multiplication
& Division
Switch Settings
Example
10 x 5 = 50 25 ÷ 6 = 4.17
Enter
DepressPrint
10
10.00 x
5
5.00 =
Operational Notes
50.00 ✱
25
25.00 ÷
6
6.00 =
4.17 ✱
33
Constant
Multiplication
Switch Settings
Example
10 x 5 = 50, then 10 x 6 = 60
Enter
DepressPrint
10
10.00 x
5
5.00 =
50.00 ✱
6
In multiplication, the first entry
is automatically considered a
constant. When multiplying one
number by several others, enter
the constant first, then the
others followed by =.
6.00 =
60.00 ✱
34
Operational Notes
In a chain or sequential
calculation, the intermediate
result becomes the constant.
Constant
Division
Switch Settings
Example
10 ÷ 5 = 2, then 25 ÷ 5 = 5
Enter
DepressPrint
10
10.00 ÷
5
5.00 =
2.00 ✱
25
Operational Notes
In division, the second entry is
automatically considered the
constant. When dividing one
number into several others,
enter the constant second,
then the others followed by =.
25.00 =
5.00 ✱
35
Calculator
Mode Correction
Switch Settings
Example
10 x was entered but 10 ÷ was intended for 10 ÷ 2 = 5
Enter
10
DepressPrint
10.00 x
10.00 ÷
2
2.00 =
5.00 ✱
Operational Notes
Calculator mode correction
allows you to immediately
correct inadvertently pressing
the wrong calculator key. In
the example to the left, simply
pressing the ÷ key immediately
following the × key changes
the mode of calculation from
multiplication to division.
Calculator mode
correction eliminates clearing
and reentering.
36
Chain Multiplication
& Division
Switch Settings
Example
10 x 5 x 6 ÷ 25 = 12
Enter
DepressPrint
10
10.00 x
5
5.00Cx
6
6.00C÷
25
25.00 =
12.00 ✱
Operational Notes
In chain calculations,
sequential calculation audit
symbols C× and C÷ print
clearly to show a chain
operation.
Remember the ✱ (Total Key)
does not clear a calculation.
The sequential calculation
indicators eliminate puzzling
results when the total key was
incorrectly pressed to clear an
incorrect × or ÷ entry.
37
Using the
C/CE Key
Switch Settings
Example
10× was entered but should have been 100×. 25 was entered but should have been 7.
Enter
10
DepressPrint
10.00 x
C
100
Other functions of the C/CE
Key will be covered in later
sections.
7.00 =
700.00 ✱
38
The C/CE Key will clear a
calculation in progress, e.g.
10×, it will also clear a live
entry, e.g. 25.
100.00 x
25
7
Operational Notes
Percentages
Switch Settings
Example
100 x 25% = 25.00, 25 IS WHAT % OF 98?
Enter
DepressPrint
100
100.00 x
25
25.00 %
Operational Notes
The % key completes
calculations, much like the =
key, but formats the answer
as a percentage.
25.00 ✱
25
25.00 ÷
98
98.00 =
25.51 %
39
Percent
Increase
Switch Settings
Example
What is 267 increased by 7.6%?
Enter
267
7.6
DepressPrint
267.00 x
7.60 %
20.29 ✱
287.29+%
40
Operational Notes
Pressing the + key after
calculating a percentage
automatically increases the
base amount by the percent
amount.
This operation has no affect
on the contents of the adding
machine.
Percent
Decrease
Switch Settings
Example
What is 267 decreased by 7.6%?
Enter
267
7.6
DepressPrint
267.00 x
7.60 %
20.29 ✱
246.71−%
Operational Notes
Pressing the − key after
calculating a percentage
automatically decreases the
base amount by the percent
amount.
This operation has no affect
on the contents of the adding
machine.
41
Accumulating Results
=+ and =− Keys
Switch Settings
Example
25 Items at 3.25, 40 items at 6.75, 5 items at −5.00 (Credit), Add $6 Handling.
Enter
DepressPrint
25
25.00 x
3.25
3.25+=
81.25C✱
40
40.00 x
6.75
6.75+=
Operational Notes
The =+ and =− keys complete a
calculation and move the result
into the adding machine.
As the example to the left
illustrates, since the results
are in the adding machine
subsequent amounts may be
added to or subtracted from
the accumulation.
270.00 ✱
5
5.00 x
5
5.00−=
25.00 ✱
6
6.00 +
332.25 ✱
42
Note: If you were calculating
multiple invoices, you would
move the gt switch on. In that
way a grand total of all invoices
could be calculated.
Independent Memory
(I+, I−, I◊, I*)
Switch Settings
Example
25 Items at 3.25, 40 items at 6.75, 5 items at −5.00 (Credit), Add $6 Handling.
Enter
25
3.25
DepressPrint
25.00 x
3.25 =
Operational Notes
The example to the left
illustrates using the memory
as a completely independent
storage area.
81.25M+
40
6.75
40.00 x
6.75 =
270.00M+
5
5.00 x
5
5.00 =
The same example was used
to show that the invoice can
be solved either through use
of the memory or by using =+,
=− keys in conjunction with the
adding machine.
25.00M−
6
6.00M+
332.25M✱
43
Changing the Mathematical
Sign of a Number
Switch Settings
Example
Enter 25 as a negative number then change to positive
Enter
25
DepressPrint
−25
25
44
Operational Notes
The change sign key is used to
change the mathematical sign
of any number entered.
Square
Root
Switch Settings
Example
Find the square root of 63
Enter
63
DepressPrint
Operational Notes
63.00 ÷
63.00 R
7.94 ✱
45
Storing a
Tax Rate
Switch Settings
Example
Store a tax rate of 7.5%
Enter
7.5
46
DepressPrint
7.50R
Operational Notes
To store a tax rate, simply
enter the rate and press the
tax key. Only a live entry
can be stored.
Computing Tax and
the Affect of Tax on an Item
Switch Settings
Example
Item sells for 133.75, the Tax Rate is 7.5%. Assume tax rate is stored (example on
previous page). What is the amount of tax and the price with tax.
Enter
133.75
DepressPrint
133.75 x
7.50R
Operational Notes
To add tax to an item, simply
multiply that item’s cost and
touch tax.
10.03 +
143.78+%
47
Computing Tax and Finding
the Cost of the Item before Tax
Switch Settings
Example
The total invoice was 143.75, the tax rate is 7.5%. how much was the tax and what
did the item cost before tax was added.
Enter
DepressPrint
143.78
143.78 ÷
7.50R
−
10.03 −
133.75−%
Operational Notes
To find the cost of an item
where tax has already been
added, simply enter the gross
amount, touch ÷, touch tax.
The default setting for tax is to
compute VAT as illustrated to
the left.
Note: A definable setting
is available to change the
calculation of the tax key to
percent decrease.
To clear Tax Rate, press C/CE,
then the Tax Key.
48
Setting Time
and Date
Switch Settings
Example
8:55 AM, 4/25/2012 and 1:25 PM 4/25/2012
Enter
4.25.2012.8.55
DepressPrint
4 25 2012 8 55
4.25.2012.1.25
4 25 2012 1 25
Operational Notes
Enter the date first, separated
by decimal points, press time/
date. For PM, enter the date
and time in the format above,
touch +/− then time/date.
49
Time and Date
Stamp on Tape
Switch Settings
Example
1:25 PM, 4/25/2012
Enter
DepressPrint
4 25 2012 1 25
50
Operational Notes
Once the time and date have
been entered, the tape may
be time and date stamped at
anytime thereafter. The real
time clock and calendar are
battery supported.
Basic Two
Column Addition
Switch Settings
Example
Compute the following using two column addition
Invoice 125, tax 12.5
invoice 135, tax 13.5
invoice 150, Tax 15
Press C/Ce then Tax before solving this example
Enter
DepressPrint
125
12.5
125.00C+
12.50
135
13.5
135.00 +
13.50
150
15
G+
G+
150.00 +
15.00
41.00
In basic two column addition,
the + and − keys print and
accumulate amounts on the
right side of the tape (summing
in the adding machine).
The =+ and =− keys print and
accumulate amounts on the left
side of the tape (summing in
the grand total memory).
G+
410.00 ✱
Operational Notes
If a tax rate has been stored
refer to pages 121-125,
Advanced Functions.
G✱
51
Basic Editing
Functions
Switch Settings
Example
In the following sequence (2, 3, 4, 11, 15), 11 should have been 12 and the figure 6
was left out. Total the sequence, then correct using the editing keys.
Enter
DepressPrint
2
2.00C+
3
3.00 +
4
4.00 +
11
11.00 +
15
15.00 +
35.00 ✱
Enter
Depress
Display
−−−−
15.00
11.00
11.00
12
12.00
12.00
6
52
6.00
Operational Notes
The five user definable keys
default to the Editing function.
If the keys have been redefined
to perform another function
and you wish to return them
to the Editing function, press
Define, followed by . and 7.
The editing keys permit the
user to scroll through entries
made (one at a time) up
or down for the previously
completed entries, totals.
When an incorrect amount is
displayed, it may be replaced.
In the event an amount was
omitted during listing, navigate
to the location desired, press
Insert, enter the amount
and press the correct math
operator (+ or – for example).
The inserted amount will be
inserted. The total will be
recalculated automatically. To
replace an entry, press replace,
enter the correct amount then
press + or −. To Reprint a
Enter
Depress
Display
12.00
15.00
−−−−
42.00
Enter
DepressPrint
Operational Notes
corrected listing, Reprint may
be pressed. The maximum
number of entries available for
edit will be 99. However, entries
between the audit symbol C+
(first entry into a clear add
register) and ✱ are available. If
GT is on, C+ (first entry to GT)
and G ✱ is available.
2.00C+
3.00 +
4.00 +
6.00 +
12.00 +
15.00 +
42.00 ✱
53
Advanced
Operations
Using the definable Settings
55
Using the user definable keys
Finance
80
∑T
57
Currency Conversion
88
Running ◊ Printed
58
VAT Tax
92
Running ◊ Displayed
59
Discounted Tax
Truncate
60
Time Card - Calendar
Round Up
61
Cost/Sell/Margin – Automatic Incrementing
54
79
56
∑X
96
100
Reciprocal – Percent Change
104
Identification Numbers
62
Memory II - RV
108
∑M
63
Spreadsheet/Crossfooting
112
Print All Defined Functions
64
Price/Price mode
66
Units/Price mode
67
Price/Units mode
68
Variable Add mode
70
Nickel Rounding
71
Paper Saver Mode
72
The tax key for discount
73
Clearing all Definable Settings
74
Setting International Punctuation
75
Setting International Date Format
76
Setting 24 Hour Clock format
77
Advanced Functions
120
Automatic Two Column Addition Variations 121
Changing the 8125 to a Time Calculator
126
Advanced ∑M
130
Using the
Definable Settings
The 8125 contains a number of user selectable
internal options. These settings can simplify
routine calculations, save unnecessary steps
and permit the user to adapt the 8125 to their
specific tasks. These internal functions are
activated by pressing the Define Key followed
by the numeric or function key shown in the
following examples.
NOTE: Definable Settings are battery
supported and are not cleared when the
8125 is powered off.
55
∑x
Define 1
Switch Settings
Example
Invoice − 125 items @ $12.50 each, 135 items @ $13.50 each, 150 items @ $15.00 each
Enter
DepressPrint
• • • • • 1 • • • • •
125
125.00 ×
12.5
12.50+=
Operational Notes
∑x sums the first factor in
multiplication and division in
Memory One (I). In the invoicing
example to the left, this is
useful when accumulating
quantities and extensions
simultaneously.
1,562.50C✱
135
135.00 ×
13.5
13.50+=
1,822.50 ✱
150
150.00 ×
15
15.00+=
2,250.00 ✱
410.00M✱
5,635.00 ✱
• • • 1 • • •
56
Total Quantity
Total Amount Invoiced
∑T
Define 2
Switch Settings
Example
Invoice − 125 items @ $12.50 each, 135 items @ $13.50 each, 150 items @ $15.00 each
Enter
DepressPrint
• • • • • 2 • • • • •
125
125.00 ×
12.5
12.50 =
1,562.50C✱
135
135.00 ×
13.5
13.50 =
Operational Notes
∑T sums results obtained
from the = and the % key
in the adding machine. In
the example to the left,
pressing = rather than =+ was
possible to accomplish the
same end. ∑T is very useful
when accumulating percent
results, as they are formatted
as percentages rather than
decimal representations of the
percentage.
1,822.50 ✱
150
150.00 ×
15
15.00 =
2,250.00 ✱
5,635.00 ✱
• • • 2 • • •
57
Running ◊ (printed)
Define 3
Switch Settings
Example
$125.00 + $135.00 + $150.00, with a Running Subtotal (balance)
Enter
DepressPrint
125
• • • • • 3 • • • • •
125.00C+
125.00 ◊
135
135.00 +
260.00 ◊
150
150.00 +
410.00 ◊
410.00 ✱
• • • 3 • • •
58
Operational Notes
A printed record of the running
subtotal is most frequently
used to reconcile bank
statements or ledger cards.
This function is often used
in conjunction with Define
7 (Automatic Incrementing
Identification Numbers).
With the two enabled, check
numbers and the declining
balance associated with a
processed check are easily
identified on the tape.
Running ◊ (display)
Define 4
Switch Settings
Example
$125.00 + $135.00 + $150.00, with a Running Subtotal (balance)
Enter
Depress
Display
125
125.00
135
260.00
150
410.00
410.00
Operational Notes
Most calculators display a
running subtotal rather than
the entry just completed.
Monroe is unique in this regard
as we have always believed
that it is important to easily
audit the last entry rather than
having that entry bundled into
the running accumulation.
If, however, as a user you
prefer to see the subtotal in
the display, simply enable this
function.
In the example only the
displayed amounts are
illustrated.
59
Truncate (round down)
Define 5
Switch Settings
Example
1.444 + 2.687, find Total
Enter
DepressPrint
• • • • • 5 • • • • •
1.444
1.444C+
2.687
2.687 +
4.13 ✱
• • • 5 • • •
Operational Notes
Truncate or Round Down
instructs the calculator
to ignore all values past
the decimal setting when
calculating a result or finding
a total. Were this example
performed with the decimal
selector at F, the total would
be 4.136. With truncate, the
decimal digit 6 is ignored or
truncated. Note: Truncate
does not ignore decimal digits
entered (1.444 for example). It
only acts on totals/results.
Special Note: The default
position for the 8125 is
automatic rounding commonly
referred to as 5/4. In the default
position, any decimal digit past
the decimal setting is reviewed.
If it is 5 or greater the decimal
digit to its left is rounded up. If
it is 4 or less, the decimal digit
to the left is unaffected.
60
Round Up
Define 6
Switch Settings
Example
1.444 + 2.687, find Total
Enter
DepressPrint
• • • • • 6 • • • • •
1.444
1.444C+
2.687
2.687 +
4.14 ✱
• • • 6 • • •
Operational Notes
Round Up instructs the
calculator to round up any
value past the decimal setting
when calculating a result
or finding a total. Were this
example performed with the
decimal selector at F, the total
would be 4.131. With Round
up enabled, the decimal digit
3 is rounded up to 4 since a
non−zero decimal digit exists to
its right. Note: Roundup does
not act upon decimal digits
entered (1.444 for example). It
only acts on the totals/results.
61
Automatic Incrementing
Identification Numbers - Define 7
Switch Settings
Example
Check #123 is $50, Check #124 is $75, Check #125 is $87
Enter
DepressPrint
• • • • • 7 • • • • •
123
#123
50
#123
50.00C+
75
#124
75.00 +
87
#125
87.00 +
212.00 ✱
• • • 7 • • •
62
Operational Notes
If your task calls for identifying
the invoice or check number
associated with an amount and
those numbers are incremental,
setting the incremental
identification number is a time
saving and productive feature
to enable. Used in conjunction
with the Define 3 function
earlier illustrated, these
features combined are great
for balancing a check book and
auditing a bank statement.
∑M
Define 8
Switch Settings
Example
Invoice − 125 items @ $12.50 each, 135 items @ $13.50 each, 150 items @ $15.00 each
Enter
DepressPrint
• • • • • 8 • • • •
125
125.00 ×
12.5
12.50 =
Operational Notes
∑M sums results obtained from
the = and % key, elapsed time
and five definable tax keys in
Memory I.
1,562.50M+
135
135.00 ×
13.5
13.50 =
1,822.50M+
150
150.00 ×
15
15.00 =
2,250.00M+
5,635.00M✱
• • • 8 • • •
63
Print Defined Functions
Define 9
Switch Settings
Example
Find which functions have been activated - As Shown, all functions are off
Function
DepressPrintOperational Notes
• • • • • • • • • • • • • •
∑X
• • • 1 • • •
∑T
• • • 2 • • •
Running ◊ Print
• • • 3 • • •
Running ◊ Display
• • • 4 • • •
Truncate
• • • 5 • • •
Round up
• • • 6 • • •
Set Identifier
• • • 7 • • •
∑M
• • • 8 • • •
Price/Price Mode
• • • 0 • • •
Units/Price Mode
• • 00 • • •
Price/Units Mode
• 0 • • 00 • • •
64
This function recaps the
enabled/disabled status of all
internal definable functions.
Functions printed in black are
enabled while those printed in
red are disabled.
Function
Depress PrintOperational Notes
Variable Add Mode
•••••••
+
Nickel Rounding
• • • • • • •
−
Paper Saver Mode
• • • • • • •
∆
Set Tax to Discount
• • • • • • •
R
Crossfooting
• • • • • • •
+✱
24 Hour Clock Format
• •24 • • •
International Date Format
International Punctuation
#
International Date Format
changes the default mm.dd.
yyyy. to dd.mm.yyyy.
• • • • • • •
• • • • • • •
• • • • • • • • • • • • • •
24 Hour Clock Format changes
the default 12 hour format to
24.
◊
International Punctuation
changes the default format
from x,xxx.xx to x.xxx,xx.
65
Price/Price Mode
Define 0
SWitch Settings
Example
QuantityUNit Price
1.75
$3.50
1.76
$6.25
1.77
$4.12
Enter
DepressPrint
• • • • • 0 • • • • •
175
1.75 ×
350
3.50+=
6.13C✱
176
1.76 ×
625
6.25+=
11.00 ✱
177
1.77 ×
412
4.12+=
7.29 ✱
24.42 ✱
• • • 0 • • •
66
Operational Notes
Price/Price mode assumes
that fractional units are being
multiplied by dollars and cents.
In add mode (+ on the decimal
selector) and this function
enabled, there is no need to
enter the decimal point when
entering fractional amounts
and extending them by a price
in dollars and cents.
Units/Price Mode
Define 00
Switch Settings
Example
QuantityUNit Price
175
$3.50
176
$6.25
177
$4.12
Enter
DepressPrint
• • • • • 00 • • • • •
175
175.00 ×
350
3.50+=
612.50C✱
176
176.00 ×
625
6.25+=
Operational Notes
Units/Price mode assumes
that whole units are being
multiplied by dollars and cents.
In add mode (+ on the decimal
selector) and this function
enabled, there is no need to
enter the decimal point when
entering the whole amounts
and extending them by a price
in dollars and cents.
1,100.00 ✱
177
177.00 ×
412
4.12+=
729.24 ✱
2,441.74 ✱
• • • 00 • • •
67
Price/Units Mode
Define 0, Define 00
Switch Settings
Example
PriceUnits
1.78
350
1.79
625
1.80
412
enter
DepressPrint
• • • • • 0 • • • • •
• • • • • 00 • • • • •
178
1.78 ×
350
350.00+=
623.00C✱
179
1.79 ×
625
625.00+=
1,118.75 ✱
68
Operational Notes
Price/Units mode assumes that
the price in dollars and cents
is multiplied by whole units. In
add mode (+ on the decimal
selector) and this function
enabled, there is no need to
enter the decimal point when
price in dollars and cents is
multiplied by whole units.
enter
DepressPrintoperational Notes
180
1.80
412
412.00+=
741.60 ✱
2,483.35 ✱
• • • 0 • • •
• • 00 • • •
69
Definable Add Mode
Define +
Switch Settings
Example
0.1234 + 0.4322 + 1.5575 - 0.3322 = 1.7809
Enter
DepressPrint
•••••••••••
+
1234
0.1234C+
4322
0.4322 +
15575
1.5575 +
3322
0.3322 −
1.7809 ✱
70
• • • • • • •
+
Operational Notes
Definable Add Mode permits
addition/subtraction of decimal
points greater or less than two
decimal places to be entered
without pressing the decimal
point key. In the case to the
left, the decimal selector is
at 4 and variable add mode
enabled. Therefore 4 place
decimal amounts may be
added and subtracted without
the need to press the decimal
point key.
Nickel Rounding
Define −
Switch Settings
Example
1.11 + 1.11 = 2.25 rounded to the nearest nickel
Enter
DepressPrint
•••••••••••
1.11
−
1.11C+
Operational Notes
Nickel Rounding assumes that
there are no longer pennies in
the monetary system. As such,
all cents will be rounded to the
nearest nickel.
1.11 +
2.25 ✱
• • • • • • •
−
71
Paper Saver Mode
Define adv
Switch Settings
Enter
DepressPrint
72
•••••••••••
∆
•••••••
∆
Operational Notes
Paper Saver Mode eliminates
the spacing of totals above the
tear off knife and blank spaces
between other results.
Defining the Tax Key
As % Decrease - Define tax
Switch Settings
Example
The total invoice was 143.78, the tax rate is 7.5%. Discount the invoice by 7.5%
Enter
DepressPrint
•••••••••••
7.5
R
Operational Notes
In this example discount, rather
than VAT will be calculated.
7.50 R
143.78
143.78 ÷
7.50 R
−
10.78 −
133.00−%
•••••••
R
73
Clearing All Definable Functions
Define C/CE
Calc Settings − ANY AND ALL SETTINGS
Example
Return to Default settings
Enter
DepressPrint
74
•••••••••••
C
Operational Notes
Pressing the Define key
followed by the C/CE key will
clear all internal definable
functions.
International Punctuation
Define +/−
Calc Settings − ANY AND ALL SETTINGS
Example
Changes Format from X , XXX . XX to X . XXX , XX
Enter
DepressPrint
•••••••••••
1234
Operational Notes
◊
1.234,00C+
1.234,00 ✱
•••••••
◊
75
International Date Format
Define Time/Date 1
Calc Settings − ANY AND ALL SETTINGS
Example
Changes Date format from MM . DD . yyyy to DD . mm . yyyy
Enter
DepressPrint
#•••••••••••
5
3.12.2001
03 12 2001
7.12.2001
07 12 2001
4.00
#•••••••
76
Operational Notes
24 Hour Clock Format
Define Time/Date 2
Calc Settings − ANY AND ALL SETTINGS
Example
24 hour clock format permits entry in "military Time" rather than in 12 hour format
Enter
DepressPrint
Operational Notes
Example continued on
following Page.
• • • • 24 • • • • •
5
8.30
8 30
12.00
12 00
12.45
12 45
15.00
15 00
77
Enter
DepressPrint
15.15
15 15
17.00
17 00
Operational Notes
Cont. from Previous Page.
7 30
7.50
78
• • 24 • • •
Using the User
Definable Keys
NOTE: Definable Settings are battery
supported and are not cleared when
the 8125 is powered off.
79
Finance
Define . 1
Important
Operational Notes
Amounts entered on the FV, PV, TERM,
RATE and PMT keys remain constants
unless changed, i.e. a new amount is entered
that replaces the stored constant. It is
recommended that the sequence of pressing
C/CE then PV is used prior to each calculation,
or until you are familiar with the operation.
Once a payment has been calculated, pressing
the Total key will cause an entire amortization
schedule to print. If sufficient information
exists as constants, i.e. an amount stored
in PV, TERM, RATE, and PMT and Total is
inadvertently depressed, the schedule will
print. To stop the printing of the Amortization
schedule, PRESS C/CE during the printing. The
schedule will stop printing when the keyboard
buffer reads the depression of the C/CE key.
Solving for RATE can take a second of
computational time.
Pressing the Define Key
followed by
will turn on the Finance functions.
This function is disabled by replacing the 5
definable keys with another function.
80
8125 Actual Keys become...
these defined keys
Example
Solve for Payment
Assume you are interested in purchasing a home for $250,000. The interest rate is 6%. You want to
finance the loan over a period of 180 months (15 years). Solve for Payment.
Enter
250000
6
180
DepressPrint
250,000.00 T
6.00 %
180.00M
2,109.64M#
Operational Notes
PV - Amount Financed
Interest Rate
Term - Months
Monthly Payment
Example
Solve for Present Value (Amount Borrowed)
Assume you can afford to pay $2000 per month on mortgage payment. You qualify for a 6% interest
rate. You want to pay the loan off in 180 months (15 years). Solve for the amount you may borrow
(Present Value).
Enter
2000
6
180
DepressPrint
2,000.00M#
6.00 %
180.00M
237,007.03 T
Operational Notes
Monthly Payment
Interest Rate
Term - Months
PV - Amount Financed
81
Example
Solve for Repayment term
Assume the loan you need is for $250,000, yet the payment you want is $2,000. You qualify for a
6% rate. How many months would be required to repay the loan? As shown below, it requires 196
months to repay the loan with a remaining payment of $1306.31.
Enter
250000
6
2000
DepressPrint
250,000.00 T
6.00 %
Operational Notes
PV - Amount Financed
Interest Rate
2,000.00M#
Monthly Payment
1,306.31R+
Remaining Payment
196.00M
Term - Months
Example
Solve for Interest Rate
Assume you wish to borrow $250,000, over a 180 month (15 year) period and you can afford to pay
$2,109.64 per month. What interest rate do you need under this scenario?
Enter
DepressPrint
250000
250,000.00 T
2109.64
2,109.64M#
180
180.00M
6.00 %
82
Operational Notes
PV - Amount Financed
Montly Payment
Term - Months
Interest Rate
Example
Amortization
Calculate a payment and print amortization schedule. $100,000 loan, 6.5% Interest Rate
compounded monthly, 15 year (180 months) term.
Enter
DepressPrint
100,000
100,000 T
Operational Notes
PV - Amount Financed
6.5
6.50 %
180
180.00M
Term - Months
871.11M#
Monthly Payment
#
1
Interest Rate
First Payment - Amortize
871.11M#
Payment
541.67−%
Pmt. Portion to Interest
329.44−T
Pmt. Portion to Principal
99,670.56RT
Remaining Principal
541.67C%
Cumulative Interest
• • • • • • • • • • • •
#
2
871.11M#
539.88−%
331.23−T
99,339.33RT
1,081.55C%
Cont. on following page.
83
Example
Amortization Cont. from previous Page
Calculate a payment and print amortization schedule. $100,000 loan, 6.5% Interest Rate
compounded monthly, 15 year (180 months) term.
Enter
DepressPrint
#
3
871.11M#
538.09−%
333.02−T
99,006.31RT
1,619.64C%
12
• • • • • • • • • • • •
• • • • • • • • • • • • • 12
#
12
(etc)
24.28
• • • • • • • • • • • • • 24
#
24
(etc)
(prints schedule for months 24
through and including 28)
84
Operational Notes
In the example the Total (✱) key
was pressed when no live entry
existed. This will cause the
entire amortization schedule
to print.
Rather than printing an entire
Amortization Schedule, 8125
enables you to select a month
or range of months for printing.
After finding the payment, or
any of the other three variables,
a selected amortization
schedule may be printed. If you
desire a schedule for month 12
for example, enter 12 and press
Total. If you wish to print a
schedule between the months
of 24 and 28 for example,
enter 24.28 then press Total.
Note: Amortize can only print
if sufficient information exists
(PV, Term, Rate) to compute
payment.
Example
Compute Future Value
100,000 Present Value, 6% Interest Rate (compounded monthly), 10 year (120 month) Term.
Press C/CE, PV prior to solving this example.
Enter
100000
6
120
DepressPrint
100,000.00 T
6.00 %
120.00M
181,939.67K
PV - Amount Financed
Interest Rate
Term - Months
FV - Future Value
Example
Compute Future Value
Deposit $50 a month (at the end of each month) into a new account that pays 6.25% annual interest,
compounded monthly. How much will the account be worth after 2 years? Press C/CE, PV prior to
solving this example.
Enter
50
DepressPrint
50.00M#
Monthly Savings
6.25
6.25 %
Interest Rate
24
24.00M
Term Months
1,274.70K
FV - Future Value
85
Example
Compute Future Value
$1,000 (Present Value in a Savings Account), $50 deposited each month (at the end of the month),
6% interest rate compounded monthly. What is the value of the account after 6 months? Press C/
CE, PV prior to solving this example.
Enter
DepressPrint
1000
1,000.00 T
50
50.00M#
6
6.00M
6
6.00 %
1,334.15K
PV - Amount Financed
Montly Payment
Term - Months
Interest Rate
FV - Future Value
Example
Solve for PV
Press C/CE, PV prior to solving this problem.
Enter
500000
5.25
120
DepressPrint
500,000.00K
5.25 %
120.00M
296,116.57 T
86
FV - Future Value
Interest Rate
Term - Months
PV - Present Value
87
Currency Conversion
Define . 2
Important
Operational Notes
The conversion of 5 currencies including
Home are possible. 4 currencies to the Home
currency or Home currency to 4 alternates may
be calculated. Conversion between currencies
is also possible, with the calculation going
through Home.
Home is the anchor currency. That is, 1 Home
= X times C1, C2, C3, C4.
Pressing the Define Key
followed by
will turn on the Currency functions.
This function is disabled by replacing the 5
definable keys with another function.
88
8125 Actual Keys become...
these defined keys
Example
Setting Conversion Rates
Assume Home = USD, C1 = Euro, C2 = GBP, and C3 = JPY, and assume that 1 USD = 0.705965
Euro, 0.491957 GBP and 116.61 JPY.
Enter
DepressPrint
Operational Notes
.705965
1
C
Stores conversion rate C1
0.705965R
.491957
2
C
Stores conversion rate C2
0.491957R
116.61
3
C
Stores conversion rate C3
116.61R
Example
Conversion
Convert 250 Euros to USD
Enter
250
DepressPrint
1
C
250.00
Operational Notes
In this conversion 250 Euro
is divided by the conversion
factor to determine the
equivalent USD
354.13 ✱
89
Example
Conversion
Convert 500 USD to Euros
Enter
DepressPrint
500
#
C
500.00
Operational Notes
In this conversion 500 USD is
multiplied by the conversion
factor to determine the
equivalent Euro.
352.98 ✱
Example
Conversion
Convert 10000 JPY to Euro
Enter
10000
DepressPrint
3
Operational Notes
C
10,000.00
85.76 ✱
1
C
85.76
60.54 ✱
90
Converts JPY to Home (USD)
Home (USD) Converts to EURO
91
VAT Tax
Define . 3
Important
Operational Notes
8125 Actual Keys become...
Five tax rates may be stored when this special
function is selected.
these defined keys
If the stored amount for a key is positive, that
Tax key will compute amount of tax and add
on. If the stored amount for a key is negative,
that Tax Key will compute the amount of tax
and net prior to tax, i.e. VAT. If one wants
to determine add on and the stored rate is
negative, enter the amount, press change sign
and it will Add On Tax to the entered amount.
Also works in reverse.
Pressing the Define Key
followed by
will turn on the VAT Tax functions.
This function is disabled by replacing the 5
definable keys with another function.
92
Example
Storing Tax Rates
Tax rates, T1 = 5%, T2 = −5%, T3 = 8.75%, T4 = −8.75%
Enter
DepressPrint
Operational Notes
5
1
R
Stores Tax Rate 1
5.00 %
5
2
−
3
R
Stores Tax Rate 2
R
Stores Tax Rate 3
5.00%
8.75
8.75 %
8.75
4
−
R
Stores Tax Rate 4
8.75%
93
Example
Find tax and after tax price for a $105 item and 8.75% tax.
Enter
DepressPrint
105
Operational Notes
105.00 X
8.75R
9.19 +
114.19+%
Example
An item sells for $247 including 5% tax, find Tax and Cost before Tax.
Enter
DepressPrint
247
247.00 ÷
−
−
5.00R
11.76 −
235.24−%
94
Operational Notes
Example
Find tax and After Tax Price (alternate use of tax key) of a $100 item and −5% Tax Rate
Enter
DepressPrint
100
−
100.00 ×
−
5.00R
Operational Notes
Use of −5% Rate to show
alternate use of negative rate
adds and prints black. Ignores
math sign.
5.00 +
105.00+%
95
Discount Tax
Define . 4
Important
Operational Notes
8125 Actual Keys become...
Tax Keys Discount (All specifications related to
VAT previously are applicable here)
these defined keys
Five Tax rates may be stored when this special
function is selected.
These keys are defined and operate similar
to the Tax Keys VAT. The difference, storing a
negative rate calculates discount, not VAT.
Note: To recall a Stored Tax Rate or Conversion
Rate, Press Define and key to recalled, T1 for
example.
Pressing the Define Key
followed by
will turn on the Discount Tax functions.
This function is disabled by replacing the 5
definable keys with another function.
96
Example
Storing tax Rates
Tax rates, T1 = 8.75%, T2 = −5%, T3 = −3%, T4 = −1%
Enter
DepressPrint
Operational Notes
8.75
1
R
Stores Tax Rate 1
8.75 %
5
2
−
3
−
4
−
R
Stores Tax Rate 2
5.00 %
3
R
Stores Tax Rate 3
3.00 %
1
R
Stores Tax Rate 4
1.00 %
97
Example
CHain Discount
Find the selling price of an item that’s currently marked $100. The item is eligible to be discounted by
3 rates (5%, 3%, and 1%), stored on the last page, and subject to a tax rate of 8.75%. Find the Price.
Enter
DepressPrint
100
100.00 x
−
5.00R
−
5.00 −
95.00−%
95.00 x
−
3.00R
−
2.85 −
92.15−%
92.15 x
−
1.00R
−
0.92 −
91.23−%
91.23 x
8.75R
7.98 +
99.21+%
98
Operational Notes
99
Time Card
Define . 5
Important
Operational Notes
Time Card is selected by pressing Define
followed by . 5. A number of functions are
possible when Time Card is defined. These
functions are as followes:
• Determine the decimal equivalent of an entry
of hours and minutes.
• Calculate the elapsed time between two or
more periods, i.e. number of hours worked.
• Accumulate the hours and minutes worked
(Define 8) automatically.
• Find the number of days between two dates.
• Find a Future Date
• Find a Past Date
These functions are illustrated in the following
pages of examples.
Pressing the Define Key
followed by
will turn on the Time Card functions.
This function is disabled by replacing the 5
definable keys with another function.
100
8125 Actual Keys become...
these defined keys
Example
Convert Hours/minutes to Decimal equivalent
What is the decimal equivalent of 8 hours, 30 minutes
Enter
8.30
DepressPrint
8.50
Operational Notes
8125 assumes that when this
function is selected and a
live entry is completed by the
Decimal Equivalent key, that
entry was hours and minutes
(HH.MM).
Example
Convert Decimal equivalent to Hours/minutes
What is 8.5 equal to in hours/minutes?
Enter
8.50
DepressPrint
8 30
Operational Notes
Note: Converting decimal
equivalent to HH.MM can
only be performed if the
Time/Calc switch is in the
Time position.
101
Example
Compute Hours Worked
An employee starts work at 8:30am, takes a 45 minute break for lunch at 12:00, a 15 minute coffee
break at 3:00pm and leaves work at 5:00pm. Determine how many hours this employee worked.
Enter
8.30
DepressPrint
Operational Notes
8 30
12.00
12 00 ∆
12.45
12 45 ∆
3.00
3 00 ∆
3.15
3 15 ∆
5.00
5 00 ∆
7 30
7.50
102
This employee worked 7 hours
and 30 minutes. If you wish
to convert the 7 hours and
30 minutes to the decimal
equivalent to enable multiplying
it by an hourly rate, depress
decimal equivalent.
Example
Days between Dates
Compute the number of days between December 3 and December 7.
Enter
DepressPrint
12.03.2001
12 03 2001
12.07.2001
12 07 2001
Operational Notes
The number of days in this
example is 4. The count
includes Dec. 3, 4, 5, & 6.
4.00
Example
Compute a Future Date
Determine the date 4 days hence (December 3, 2001)
Enter
12.03.2001
DepressPrint
Operational Notes
12 03 2001
4
4.00
12 07 2001
Example
Compute a past Date
Determine the date 4 days prior (December 7, 2001)
Enter
12.07.2001
DepressPrint
12 07 2001
−
12 03 2001
Operational Notes
4
4.00
103
Cost, Sell, Margin, Reciprocal
Percent Change - Define . 8
Important
Operational Notes
When enabled, the Cost, Sell, Margin,
Reciprocal, Percent Change Keys permit the
following problems to be solved:
• Find the Selling Price of an Item.
• Find the Gross Margin (Profit) on an item sold.
• Find the Cost of an Item.
• Find the Reciprocal of a number.
• Find the amount and percent of change
between two numbers.
Examples of these functions are illustrated in
the following pages.
Pressing the Define Key
followed by
will turn on this function.
This function is disabled by replacing the 5
definable keys with another function.
104
8125 Actual Keys become...
these defined keys
Example
Find Selling Price
If the an item costs $100 and has a 25% markup, what is the Selling Price?
Enter
DepressPrint
100
100.00C
25
25.00M%
33.33M
133.33 S
Operational Notes
In the example to the left, cost
and % markup were known.
Immediately following the entry
and depression of the margin
key, the amount of markup in
dollars and the selling price
print.
The formula for calculating
selling price is Selling Price =
1/(100 − % Markup)
Example
Find Margin and % Mark up
If an item’s Cost is $100 and the Selling Price is $150, what is the Markup in Percentage and
Dollars?
Enter
DepressPrint
100
100.00C
150
150.00 S
50.00M
33.33M%
Operational Notes
In the example to the left, the
cost and selling price were
known. Immediately following
the entry and depression of the
sell key, the amount of markup
in dollars and the % of markup
is printed.
105
Example
Find Cost
If an item has a Selling Price of $150 with a 60% markup included, what is the cost of the item?
Enter
DepressPrint
150
150.00 S
60
60.00M%
90.00M
60.00C
Operational Notes
In the example to the left,
Selling Price and the % Markup
were known. Immediately
following the entry and
depression of the Margin
Key, the amount of Markup in
dollars and the Cost is printed.
Example
Reciprocal
Find the Reciprocal of 625
Enter
625
DepressPrint
625.00 =
0.0016 ✱
106
Operational Notes
Simply enter the value
and press the Insert Key,
(1/x function), to find the
Reciprocal.
Example
Percent Change (%∆)
Find the difference between two years of sales; this year $10,750,673, and last year 9,948,581.
Enter
DepressPrint
10750673
10,750,673.00 ÷
9948581
9,948,581.00C%
Operational Notes
When comparing two numbers,
always enter the current period
first.
802,092.00 ∆
8.06∆%
107
Independent Memory II
Define . 9
Important
Operational Notes
8125 Actual Keys become...
Independent Memory II, functions in exactly
the same manner as Independent Memory I.
these defined keys
The RV (Reverse Key) reverses two factors
in a calculation.
Pressing the Define Key
followed by
will turn on the Independent Memory functions.
This function is disabled by replacing the 5
definable keys with another function.
108
Example
Simple Invoice
25 items @ 3.25, 40 items @ 6.75, 5 items @ −5.00 (credit), add $6 handling charge, Find Invoice
Total.
Enter
25
3.25
DepressPrint
25.00 x
3.25 =
Operational Notes
The example to the left
illustrates using the memory
as a completely independent
storage area.
81.25M+
40
6.75
40.00 x
6.75 =
270.00M+
5
5.00 x
5
5.00 =
25.00M−
6
6.00M+
332.25M✱
109
Example
Reverse
5 ÷ 12 = should have been 12 ÷ 5.
Enter
DepressPrint
5
5.00 ÷
12
12.00 ↕
5.00 =
2.40 ✱
110
Operational Notes
The Reverse Key simply
reverses the order of entry.
111
Spreadsheet
Define ✱
Important
Operational Notes
Defining the 5 user definable keys as
spreadsheet (crossfooting) also defines
Independent Memory I keys with alternative
functionality.
now becomes Crossfoot
now becomes Distribute
now becomes Prorate
now becomes Average
The crossfooting function provides individual
addressability of column and row locations.
The term crossfooting refers to totalling across
and down.
Pressing the Define Key
followed by
will turn on the Spreadsheet functions.
This function is disabled by replacing the 5
definable keys with another function.
112
8125 Actual Keys become...
these defined keys
Columns
Rows
1
2
3
4
TOTAL
1
5
2
4
0
11
2
0
6
0
5
11
3
3
5
0
6
14
4
6
0
4
7
17
TOTAL
14
13
8
18
53
When the Crossfooting function is enabled
through depression of the Define key followed
by the Total (*) key, the plus and minus keys of
the adding machine assign a value (positive
or negative) to a column/row location. The
function of total, when used, instructs 8125
to move to the next column for entries. The
orientation of this function is always from
the perspective of column. In this example,
depression of 5 followed by depression of +,
places the value 5 in Column 1 Row 1. The
value 0, in Column 1, Row 2, can be placed
there by entering 0 and pressing plus, or
by depressing the Skip key, which moves
the pointer to the next location as Column
1 Row 3. The user could directly address a
location by using the Jump To function. Jump
To command allows the user to “Jump To” a
specified cell. For example Column 5, Row 3.
The column and row locations are separated
by the decimal key when entering the location.
To get to the location in the example, enter
5.03 then press Jump To. If a mistake is made
in entry, correcting that mistake may be made
by entering the correct amount, and following
the sequence just described. Whatever value
existed in that location previously will be
replaced by the new value.
Before proceeding add the four columns of
numbers in the spread sheet above. Press ✱
after the last entry in each column has been
entered.
113
Example
CROSSFOOTING
When the Crossfoot key is pressed, the totals of all the columns and rows will automatically be
printed. For the sake of brevity, only the printout will be represented below.
Enter
DepressPrint
Operational Notes
• • • • • • • • • • • •
1
C
14.00
2
C
13.00
3
C
8.00
4
C
18.00
• • • • • • • • • • • •
53.00C✱
• • • • • • • • • • • •
Example cont. on next page.
114
All values will remain in their
assigned column and row
locations. They will not be
automatically cleared! When
finished with one spreadsheet
press C/CE then Crossfoot
before moving to the next
spread sheet.
Enter
DepressPrint
Operational Notes
• • • • • • • • • • • •
1
R
11.00
2
R
11.00
3
R
14.00
4
R
17.00
• • • • • • • • • • • •
53.00R✱
• • • • • • • • • • • •
115
Example
% Distribution
An individual wants to find the percent distribution on the 1st Column then the Row Total.
Enter
DepressPrint
1
• • • • • • • • • • • •
1
C
35.71 %
1
C
0.00 %
1
C
21.43 %
1
C
42.86 %
• • • • • • • • • • • •
100.00 %
• • • • • • • • • • • •
Example cont. on next page.
116
Operational Notes
Using our example, let us
assume that the user wants to
perform a % Distribution. The
% Distribution can be run on
individual columns, individual
rows, column totals or row
totals. In this illustration below,
we will first run a % Distribution
on Column 1, next run a %
Distribution on Row Totals.
Enter
DepressPrint
Operational Notes
All values will remain in their
assigned column and row
locations. They will not be
automatically cleared!
• • • • • • • • • • • •
1
R
20.75 %
2
R
20.75 %
3
R
26.42 %
4
R
32.08 %
• • • • • • • • • • • •
100.00 %
• • • • • • • • • • • •
117
Example
Proration
In this example Prorate a budget of $50,000 using the Column totals of our example.
Enter
DepressPrint
50000
• • • • • • • • • • • •
1
C
13,207.55
2
C
12,264.15
3
C
7,547.17
4
C
16,981.13
• • • • • • • • • • • •
50,000.00
118
• • • • • • • • • • • •
Operational Notes
Now let us assume that the
purpose of all this functionality
was to prorate a budget
between departments. Again,
proration may be performed
against any column, row or
the Total of Columns or Rows.
Let us prorate a $50,000 dollar
budget proportionately against
the Column Totals of our
example.
Automatic Average works in
the same manner as described
above. In the event the user
wanted to average all columns
or all rows, the entry sequence
would be press Average,
Total then Column or Row or
Crossfoot for both columns
and rows.
119
Advanced
Functions
120
Automatic Two
Column Addition
Important
Operational Notes
Earlier on page 51, Two Column Addition was
illustrated. Two Column Addition is a powerful
function and has many automatic features
which will be illustrated in the following
examples.
Expanded
functionality
Currently by pressing the Total ( ✱ ) key once,
the right hand total is summed. Pressing the
Total ( ✱ ) key again, totals the left column. A
third depression of the Total ( ✱ ) key combines
both the left and right columns.
Automatic Add On, Discounts or VAT. This
new expanded functionality is possible under
the following conditions. TC engaged. A rate
(positive or negative) is stored under the Tax
Key and the Tax Key is defined as Discount or
VAT. VAT is the default condition.
121
Switch Settings
Example
Basic two Column Addition with combined total
(12.00 + 5.00) + (3.00 + 15.00) = 35.00
Enter
DepressPrint
12
3
12.00C+
3.00
5
15
Operational Notes
G+
5.00 +
15.00
G+
17.00 ✱
18.00
G✱
35.00CT
122
Combined Total
Switch Settings
Example
Automatic Add On
Add 3 items costing 100, 10, 200 with a tax rate of 8.25.
Enter
DepressPrint
8.25
Operational Notes
8.25R
100
100.00C+
8.25
10
G+
10.00 +
0.83
200
Rate of 8.25% stored.
When + is pressed, printed
amount automatically
multiplied by stored rate, prints
result left and accumulates the
result in the GT Register.
G+
200.00 +
16.50
G+
310.00 ✱
25.58
G✱
335.58CT
123
Switch Settings
Example
VAT
Find the total for 3 items, 100, 200, 60 with -8.25% tax for each item.
Enter
DepressPrint
Operational Notes
8.25
100
−
8.25R
100.00C+
200
−7.62G+
200.00 +
60
−15.24G+
60.00
−4.57G+
360.00 ✱
−27.43G ✱
332.57CT
124
Store Tax Rate of −8.25%
Switch Settings
Example
Discount
Add 3 items, 100, 10, and 200 with a 8.25% discount applied.
Enter
DepressPrint
Operational Notes
.............................R
Defines Tax Key as Discount
−
Store tax rate of −8.25%
8.25
100
8.25R
100.00C+
10
−8.25G+
10.00 +
200
−0.83G+
200.00 +
−16.50G+
310.00 ✱
−25.58G ✱
284.42CT
125
Changing the 8125
To a Time Calculator
Important
Operational Notes
Moving the Time Calc switch, changes the 8125
into a time calculator. Entries will be accepted
as hours and minutes HH.MM. Addition of
HH.MM can be performed in much the same
way as regular numeric entries.
When entering Hours, Minutes the decimal
point key is used to separate HH.MM.
If the GT function is engaged, HH.MM will be
accumulated into the GT register. The HH.MM
format will be retained and the sum of all
HH.MM entries presented upon the second
depression of the Total key.
If the decimal equivalent of an HH.MM live
entry or Total is required, it may be obtained
by pressing the ◊ key. If the entry is not live
or if ◊ is not pressed after the total key, the ◊
key will operate as expected. Alternatively, if
Time Keep is engaged, the Dec. Equiv. key may
be pressed at any time to convert HH.MM to
decimal.
126
The x and ÷ keys will retain and calculate in
the HH.MM format if depression of these keys
has followed a live entry in HH.MM format,
completed entry or total. If this is not the case,
they will perform in their normal manner. For
example if one needed to multiply 4 x 8, and
4 were entered without a decimal point the
times key would take 4 as the first entry in
multiplication. If the decimal equivalent has
been calculated (the Dec. Equiv. key were
depressed), depression of x or ÷ will act on
the number as if it were not HH.MM. Note: If
calculating mixed numbers, not HH.MM, the
Time Calc switch must be moved to Calc.
Switch Settings
Example
Time addition
Add hours, minutes and convert to Decimal Equivalent. 8.35 + 4.12 + 7.47 + 8.06 + 9.15 = 37.55 (37.91)
Enter
DepressPrint
8.35
8 35C+
4.12
4 12 +
7.47
7 47 +
8.06
8 06 +
9.15
9 15 +
Operational Notes
Make sure Switch is moved to
Time position.
37 55 ✱
#
37.91
Decimal Equivalent
127
Switch Settings
Example
Time calculation
Multiply or Divide hours and minutes. (5) x 8.36, 80.35 ÷ (5)
Enter
DepressPrint
5
5.00 x
8.36
8 36 =
43 00 ✱
80.35
5
43 Hours, 0 Minutes
80 35 ÷
5.00 =
16 07 ✱
128
Operational Notes
16 Hours, 07 Minutes
129
Advanced
∑M
Important
Operational Notes
In this section, the use of ∑M will be shown
using a variety of different functions to explain
the usefullness of ∑M for the 8125.
130
Switch Settings
Example
Invoice − 125 items @ $12.50 each, 135 items @ $13.50 each, 150 items @ $15.00 each
Enter
DepressPrint
• • • • • 8 • • • •
125
125.00 ×
12.5
12.50 =
Operational Notes
∑M sums results obtained from
the = and % key, elapsed time
and five definable tax keys in
Memory I.
1,562.50M+
135
135.00 ×
13.5
13.50 =
1,822.50M+
150
150.00 ×
15
15.00 =
2,250.00M+
5,635.00M✱
• • • 8 • • •
131
Switch Settings
Example
The following example illustrates accumulating hours and minutes worked
to Memory 1.
Enter
DepressPrint
• • • • • 8 • • • •
8.30
5
8 30
12.00
12 00 ∆
12 45 ∆
3 00 ∆
3 15 ∆
5 00 ∆
12.45
3.00
3.15
5.00
7 30
132
Operational Notes
Enter
DepressPrint
8.30
Operational Notes
830
12.00
12 00 ∆
12 45 ∆
3 00 ∆
3 15 ∆
5 00 ∆
12.45
3.00
3.15
5.00
7 30
15 00M✱
• • • 8 • • •
133
Switch Settings
Example
∑M will also accumulate THE RESULTS OBTAINED FROM THE TAX KEYS TO MEMORY 1.
THE FOLLOWING ILLUSTRATES DEFINED TAX KEY RESULTS TO MEMORY 1.
Enter
DepressPrint
Operational Notes
• • • • • 8 • • • •
3
5
1
R
5.00 %
5
2
R
-
5.00 %
3
R
8.75
8.75 %
8.75
134
Cont. on following page.
Enter
DepressPrint
4
R
−
8.75 %
Operational Notes
105.00 ×
105
8.75R
9.19M+
114.19+%
247
247.00 ÷
−
5.00R
−
11.76M−
235.24−%
−
2.57M ✱
• • • 8 • • •
135
Glossary
Of Features
Physical
Attributes
Enclosed Paper Roll
Most calculators (with the exception of
Monroe 7130, 7140, 7150, Classic, Pro and
8125) have the paper roll mounted externally.
The most expensive component of a print/
display calculator is the printer. It is also
the component most likely to fail, as it is an
electro-mechanical mechanism. The most
common cause of printer failure is dust and dirt
collecting on the paper roll and falling into the
print mechanism as the paper is fed through
the printer. By enclosing the paper roll, Monroe
protects the paper roll and by extension the
life of the printer from this common cause of
printer failure. If the paper roll is external, it also
means paper roll holders (typically plastic) are
mounted externally to hold the paper roll. It is
almost certain these paper roll holders will be
lost or broken during the course of use. At the
very least, this design means the operator will
be forced to replace paper roll holders during
the life of the calculator, replace the calculator
or come up with some inventive method for
supporting the paper roll when the holders are
lost or broken.
Another drawback to mounting the paper roll
externally is the typically cluttered desk of
most users. If the paper roll is lodged against a
book, stack of papers or some other object on
the desk, it is likely the paper cannot advance
136
or move through the print mechanism. As most
touch operators do not look at the calculator
during addition columns, such an operator
would be both surprised and disappointed to
look at the tape after listing a long column of
figures and see a black smudge on the tape
rather than the answer. Again the enclosed
paper roll design eliminates this possibility.
The expected life of the print mechanism is 2
million lines of print. The enclosed paper roll
enhances the ability of the printer to reach its
expected life.
Print Quality
There are at least three factors affecting the
quality of print on the paper tape. The obvious
one of course is the ribbon. The other two
common factors are the paper (thickness)
and the manufacturing variance of the printer
(distance between the platen and print wheel).
Monroe carefully selects both ribbon and paper
supplies to optimize print quality. While both
supply items are readily available, the quality
of the ribbon and the quality of the paper vary
greatly when obtained from sources other than
Monroe.
Size
The 8125 has been designed to provide the
smallest possible footprint while keeping the
paper roll enclosed.
Keyboard Layout
Today’s calculators are descended from
yesteryears mechanical adding machines. All
mechanical adding machines had all adding
machine controls (+, −, subtotal and total) to
the right of the numeric keypad. Recalling that
the most often used function of a calculator
is addition and subtraction, adding machine
controls must be located on the right of the
numeric keypad.
Key top Size
The largest keys on the keyboard should be
those used most frequently. For the calculator
this certainly means the Plus Key, Minus
Key, Total Key, Zero Key and Decimal Key.
The actual size of these keys varies greatly
from model to model and it is often what one
becomes comfortable with that determines
what size is large enough. Small Keys,
especially those used often, hinder touch
operation and therefore productivity.
Key top Shape
The shape of keys often enhances touch
operation. For example, the numeric keypad (1
-9) on the 8125 has cupped keys. The function
keys have flat surfaces enabling the operator
to differentiate between the numeric keypad
and the function keys by feel. The 5 key has a
tiny dome in its center, much like a computer
keyboard, it assists the operator in quickly
locating the home key (5) and home row (4, 5
and 6).
Key top Stability
Keys with little side to side play enhance touch
operation by providing a surety of touch.
Excessive play on the key top or pressing key
tops in locations that prohibit entry slow down
or eliminate the ability to operate the calculator
quickly.
Two Key Rollover
Two key rollover enhances speed in touch
operation. For example, if entering the amount
12 the user may press the 1 key followed by
depression of the 2 key. Both keys are pressed.
Removing the index finger from the 1 key, and
then removing the middle finger from the 2 key
causes both 1 and 2 to be entered. The fastest
touch operators roll from the entry of keys to
a function key. Two key rollover eliminates the
need for pressing each key distinctly one key
at a time.
Electronic Keyboard Interlocks
In the event two keys are pressed
simultaneously, the key first sensed by the
calculator will be entered. Normally it will be
the key pressed with the greatest force. By not
creating an Error (which on many calculators
would require clearing) Electronic Keyboard
Interlocks tries to interpret the entry and
choose the most likely correct key depression.
Decimal Settings
Every calculator has one or more decimal
settings. The decimal setting controls the
number of decimal places desired in the total
or result. The decimal selector should never
limit or fix the number of decimal places
contained in an entry as its function is to
determine the number of entries in the total
or result. If a calculator edits the number of
decimal places in an entry to the decimal
setting, it is violating the precept that between
the operator and the calculator, the only
intelligent entity is the operator. If the calculator
edits entries, an operator would need to move
the decimal selector to reflect the entry with
the greatest number of decimal places to
permit entry of all figures, and then move the
decimal selector back to the desired number of
decimal places in the answer before pressing
the total key. That’s both additional manual and
mental effort.
137
Functional
Attributes
Separate Adding Machine/Calculator
Earlier in our discussion, we touched upon
the basis and importance of having the adding
machine controls on the right. Similarly it is
important to have the calculator controls on the
left (times, divide, equals etc). The separation
physically between the adding machine and
calculator again pertains to the intended
use of the calculator, i.e. most of the work
performed on the calculator will be addition
and subtraction. It is also extremely important
that separation exist functionally. Certain
calculators use the +, −, and/or total keys as an
equals key. This means that users may not add
a column of figures and interrupt the addition to
perform any other operation (multiplication and
division for example). Inadvertent depression
of the times or divide keys could clear the
contents of the adding machine, thereby
necessitating reentry of the column of figures.
Repeat Addition and Subtraction
This feature is standard on most calculators. It
permits a user to press the plus key again (for
example) to add the same number more than
once. It also permits a user to touch the minus
key following a depression of the plus key to
correct an entry error. This feature eliminates
the need to reenter like amounts when they
follow each other in addition and subtraction.
Add Mode
Add mode is typically denoted on the decimal
selectors of calculators as a + symbol or with
an A. In Add mode, the user need not press the
decimal point key when entering dollars and
138
cents. The calculator will place the decimal
point automatically, i.e., if one were to enter
1, 2, 3, then press the plus key, the calculator
would accept the entry as $1.23. The feature
add mode was first developed by Monroe
and was based upon the fact that mechanical
adding machines did not have decimal point
keys, therefore entries were accepted as
dollars and cents. Add Mode on the 8125 goes
far beyond simplifying the entry of figures for
addition and subtraction. Since these products
are no longer simply adding machines, what
happens when one performs multiplication or
division when the decimal selector is in Add
Mode (+) position.
• Units/Price Mode
One of the most common applications
performed on a calculator is checking an
invoice. Invoices typically are formatted
in much the same way. That is, one is
multiplying the number of units by a price in
dollars and cents. If the decimal selector is
in Add Mode, and one enters 12 touches the
times key then enters 123, then equals, the
calculator will automatically treat the entry of
12 as whole units and treat the second entry
123 as $1.23. This treatment is referred to as
units price mode.
• Units/Units Mode
Monroe 8125 provides the default position
with the other formats optional when the
decimal selector is in the Add Mode position
and one is performing multiplication or
division. Units/Units Mode, treats both
entries in multiplication or division as whole
numbers, if no decimal point is entered.
• Price/Units Mode
As much as one wants to generalize, there
are invoices where price appears first then
the number of units. To facilitate this type
of invoice, again the Monroe 8125 provides
another selectable format. This format
accepts the first entry as dollars and cents
and the second entry as a whole number.
• Price/Price Mode
Typical within the trucking industry, certain
invoices have fractional quantities (weight)
times price. Selecting yet another format to
simplify entry, the Monroe 8125 supports
price/price mode. In this format both first
and second entries are accepted as 2
decimal places automatically.
so changes the mode from multiplication to
division.
Entry Only Display
The Monroe 8125 allows the operator a choice
of seeing the entry just made in the display or
the running subtotal. Showing the entry only in
the display is clearly a superior audit tool, as it
enables the user to quickly check the display
when they feel an entry error has been made. It
is also an exclusive feature to Monroe 8125 and
our other heavy duty models.
Clear Add Symbol
Running Subtotal Display
The 8125 prints a unique symbol on the tape
called the clear add symbol if that entry
was the first entry made into a clear adding
machine. This symbol C+ clearly indicates
to the operator or anyone auditing the tape
that the adding machine was clear prior to
commencing the listing of figures.
The operator has the choice of seeing the entry
only or running subtotal in the display.
Sequential Calculation Indicators
Special audit trail symbols are provided
to indicate to the operator when a chain
or sequential calculation is or has been
performed. CX and C÷ illustrate a chain
calculation is being performed. These
indicators are especially useful to insure
correctness of results and simplify audits of
results.
Calculator Mode Correction
How many times has one entered a figure,
pressed the times key instead of the divide
key, or vice versa. It happens often. Calculator
Mode correction is a feature that permits the
operator (in the sequence described above) to
immediately follow the times key depression
with a depression of the divide key. Doing
Automatic Constants
All Monroe calculators accept the first entry in
multiplication and the second entry in division
as an automatic constant. There are no K
(constant) switches to worry about or move. For
calculators with a K switch, one needs to worry
about engaging it first to perform calculations
with constants then disengage before adding a
column of figures. This is certainly contrary to
the goal of a calculator.
Group and Grand Total
GT as it is often referred to and abbreviated,
enables one to add several columns of figures
and get a “grand total” of all column totals.
Certain calculators only provide the ability
to achieve the total and are not capable of
providing a grand subtotal. Full functionality is
provided on the Monroe 8125, Classic, Pro and
7100 series.
Crossfooting
Crossfooting is not Group and Grand Total.
139
In crossfooting, both columns and rows are
totaled. Crossfooting is a common function
performed by an Excel Spreadsheet. The
Monroe 8125 provides the ability to perform
automatic crossfooting. Its matrix size is 99
columns by 99 rows. Each cell within this
matrix is individually addressable.
Percent Distribution
The 8125 provides the ability to perform
automatic percent distribution when the
crossfooting function is engaged. Percent
distribution means that each entry made
to comprise the total of a column of figures
is divided by the total and expressed as a
percentage of that total.
Proration
The 8125 provides the ability to perform
automatic proration when the crossfooting
function is engaged. An amount can be
prorated based upon its respective percentage
of a total amount. In the above description
of percent distribution, an amount would be
divided based upon its percentage of the total.
Basic Financial Functionality
Financial functionality is ordinarily not found
on desktop printing calculators. The 8125
provides the ability to solve for Present Value,
Future Value, Amount Financed, Term, Payment
Amount and Interest Rate.
Real Time Clock
While some calculators provide for the display
of time, very few provide the ability to calculate
hours and minutes. The new 8125 provides the
ability to enter a decimal figure and convert
that figure to hours and minutes, or the reverse
can be performed, i.e. convert hours and
140
minutes to decimal equivalent. It also enables
the calculation of hours and minutes worked,
and can also calculate days between dates, a
future or past date.
Amortization
The new 8125 provides the ability to compute
and print an Amortization schedule (entire
schedule, selected month or range of
months). The schedule includes the payment
number, regular payment amount, amount
of the payment applied to interest, principal,
remaining principal balance and the amount of
interest paid from the inception of the loan.
Cost/Sell/Margin
The 8125 features one touch keys to compute
Cost/Sell/Margin. Enter two variables and solve
for the third.
ref # Key
The ref # key is used to place an identifying
number or date on the tape to help identify a
listing or calculation. Typical uses would be
to enter the invoice number and date prior to
checking the listing or invoice. In times past,
the operator would typically write identifying
numbers such as date or invoice number on the
tape to link the tape to the source document.
Backspace key
The backspace key is designed to remove
digits erroneously entered one digit at a time.
For all Monroe calculators the back space key
will perform this function on live entries (entries
not completed with a depression of a function
key). Since many results are used for further
calculations, preventing the back space key
from removing a digit saves an operator from
reentry of such figures if the backspace key
were inadvertently pressed.
Item Count (N-Count)
This feature counts the number of items in
a column of figures or the number of lines
calculated on an invoice. The 8125 has
intelligent item count, meaning the calculator
knows the difference between correcting an
error or an intentional addition of a negative
figure. If one were to add, 1, 2, 3 and determine
after entry of 3 and depression of the + key
that 3 should have been 4, the operator would
simply touch minus which takes out the 3.
The operator could then enter 4, press plus
and then total. The total is 7. The item count
is 3. Certain calculators have attempted to
provide intelligent item count. They may have
a selection n+/− for example. This is not an
intelligent item count. It increments the count
for positive entries and decrements the count
for negative entries. It is easy to see that this
count does not reflect the actual numbers of
entries legitimately made.
Automatic Averaging
From the discussion of Item count above,
automatic averaging provides the ability to
divide the total by the number of items to
determine the average for the items. This
feature is of little use, if as described above
the item count is apt to be incorrect. Intelligent
Item count for the 8125 makes automatic
averaging worry free.
Underflow
Underflow is a feature designed to assist the
operator in obtaining the most significant
result. If the decimal selector was set at 6 for
example and the number of whole digits (on a
12 digit display) was 8, the decimal point would
be shifted to show 8 whole digits and only 4
decimal places in the answer. If a unit were not
equipped with this feature, an error would be
created and the operator would have to move
the decimal selector to accommodate the
result.
Reverse Underflow
Very few calculators have reverse underflow.
The 7100 series, Classic, Pro and 8125 are
the exceptions. Reverse underflow means
that if the result of a calculation would yield
zero, when displayed at the current decimal
setting, the decimal point will shift to the left
to show the most significant decimal amount.
For example, if the decimal selector were set
at 2 and one attempted to divide 2 by 625,
the answer would (for most calculators) be
zero. For the 8125 the decimal shifts to the left
automatically so the actual result 0.0032 can
be displayed.
Extended Capacity
The 8125 also features Extended Capacity.
Rather than deliver an error when the answer
exceeds the capacity of the calculator, the
8125 presents the answer in scientific notation.
The calculation capacity of the 8125 is 24 digits
even though the capacity of the calculator is 12
digits.
Automatic Clearance, Overflow/Error
There are times when Error and Overflow
conditions are created. Dividing by zero for
example creates an error as it is mathematically
undefined. The 8125 automatically clears these
conditions when encountered. Most calculators
force the operator to clear such conditions
before proceeding. Again, more manual and
mental effort in such calculators.
141
Percent
Rounding
The percent key changes an amount to a
format we are more comfortable seeing.
Were we to multiply 100 by 3%, we are more
comfortable entering 100, pressing the x
key, then entering 3 and pressing the %
key. Alternatively we would have to enter the
decimal equivalent (.03) to obtain the same
result. The percent key also has additional
capabilities not often included. Depression of
the + or − keys immediately following the % key
often yields the percent increase or percent
decrease respectively automatically.
Calculators usually provide a choice between
3 types of rounding. They are normally referred
to as truncate, round off and round up. To
illustrate the difference, let us assume that the
actual result of adding 1.444 twice is 2.888.
If the decimal selector were set at 2, it would
instruct the calculator to round the answer to
2 decimal places. If the rounding control were
set to truncate, the answer would be 2.88 as it
would ignore any digit past two decimal places
and drop it. If the selector were instead set for
round off (5/4) it would look at the 3rd decimal
digit above and would round the answer up
to 2.89 if that third digit were 5 or greater
and would drop it off if it were 4 or less. If the
selector were set to round up, any non-zero
digit in the third decimal position would cause
the answer to be rounded up, again the answer
would be 2.89.
Tax Key
Similar to the Percent Key the Tax key enables
us to store a tax rate and determine the effect
of applying that tax to an amount automatically.
Additionally, one can determine the net amount
by using the Tax function. Value added taxes
can also be calculated using these functions.
Summation X
Mark up
Mark up is not percent increase. The formula
for mark up is cost, divided by 100 minus the
percent of mark up. If an article costs $100 and
we were to apply a 25% mark up, the selling
price would be 133.33. From the formula we
are dividing 100 by .75.
Calculators that provide for the summation
of x enable the operator to accumulate
amounts preceding depression of the times
key. In an invoice for example, one might want
to accumulate the quantity as well as the
extended amounts to check for quantity or
pricing errors.
Gross Margin
Summation of = and %
In the example above, the gross margin in
dollars would be $33.33 and the gross margin
percentage is 25%.
The 8125 also provides for the ability to
automatically sum the results of depressions of
the = key and or the % key. This facility saves
times and generally prevents the inadvertent
omission of moving such amounts to the
memory.
Percent Change
Percent Change is provided to assist in the
determination of the percent and amount of
change between two numbers. Comparing
sales last month to this month for example.
142
Variable Add Mode
When we discussed add mode earlier, it was
and is ordinarily in the context of adding dollars
and cents. The 8125 also has the ability to
add decimal amounts other than dollars and
cents. If for example we were adding fractional
weights at 4 decimal places, we could add
such amounts without pressing the decimal
key.
Nickel Rounding
Originally designed for the European market,
nickel rounding is provided for on the 8125.
In the event the US eliminates the penny from
the monetary system, nickel rounding can be
selected. Doing so would round all amounts up
to the nearest nickel automatically. An answer
of 2.22 for example would now become 2.25.
Two Column Addition
Automatic two column addition provides
the ability to add two columns of figures
simultaneously. For example, if one had a
stack of invoices and wanted to add the
invoice amount and the amount of tax at the
same time, two column addition would enable
that facility. Two column addition on the 8125
further formats the tape for right column and
left column. This provides for easy audit of the
tape and associates the tax amount with the
invoice amount for example. The 8125 also
provides powerful automatic calculations not
elsewhere seen on any calculator.
increment the invoice number.
Running Subtotal on the Printer
The feature enables a running subtotal to
print on the tape after each entry is added.
This feature is ideal for bank statement
reconciliation and when combined with the
feature automatic incremental identifier causes
the check number, amount of the check and
declining balance to print given the entry of the
check amount only for example.
Paper Saver Mode
The 8125 as a default position prints the total
and advances the paper above the tear off
knife where it is easily read and facilitates
tearing off the paper tape. In the event one
wishes to reduce the amount of spacing
between totals, the paper saver mode can be
set.
Change Sign
Change sign reverses the mathematical sign of
the number.
Independent Memories
Most calculators have an independent memory.
For a memory to be functional, it should have
four keys associated with it, i.e., M+, M−, M
subtotal and M total. The new 8125 has (2)
4-key independent memories.
Automatic Incremental Identifier
Currency Conversion
The automatic incremental identifier is useful
in numerous applications. This feature allows
the user to enter a beginning number using the
ref # key. Each subsequent amount added for
example will be identified with an incremental
number. Again a stack of invoices starting
with Invoice number 101. Each addition will
The 8125 has the ability to convert 5
currencies. This includes a “home” currency
with 4 others.
Automatic Tax Keys
Up to 6 tax rates may be stored on the 8125.
143
144
Limited Warranty
Monroe warrants to the original end user Customer
that the equipment will, at the time of delivery to
such Customer, be free from defects in manufacture.
During the warranty claim period, which shall be
180 days from the date of original delivery to original
end user Customer, Monroe will provide, based
upon a verified claim under this Limited Warranty,
adjustments, repairs, labor and parts to place
the equipment in proper operating condition (or
will provide a replacement at its sole option). This
warranty does not cover supplies, consumable
items, external accessories or damage resulting from
accident, misuse, abuse, neglect, faulty installation,
use contrary to specifications, combination with
other equipment, acts of God, modification, or
unauthorized repair or alteration. This Limited
Warranty is valid only for equipment sold and
installed in the continental United States, Alaska, and
Hawaii.
THE FOREGOING SHALL BE THE SOLE AND
EXCLUSIVE REMEDY WITH RESPECT TO THE
EQUIPMENT. ANY CLAIM MUST BE MADE
WITHIN THE APPLICABLE WARRANTY CLAIM
PERIOD. THIS WARRANTY IS IN LIEU OF ALL
OTHER WARRANTIES, EXPRESS, IMPLIED
AND STATUTORY, INCLUDING, WITHOUT
LIMITATION, ANY WARRANTY WITH RESPECT
TO MERCHANTABILITY OR FITNESS FOR A
PARTICULAR PURPOSE. THE WARRANTY CLAIM
PERIOD SHALL NOT BE EXTENDED BY REASON OF
A CLAIM UNDER THIS WARRANTY OR OTHERWISE.
THE LIMITATIONS CONTAINED IN THIS WARRANTY
ALSO APPLY TO ANY ADJUSTMENTS, REPAIRS,
LABOR, PARTS AND/OR REPLACEMENTS UNDER
THIS WARRANTY. MONROE SHALL NOT BE LIABLE
FOR CONSEQUENTIAL, INCIDENTAL, INDIRECT,
SPECIAL OR PUNITIVE DAMAGES OR FOR LOSS
OF PROFITS OR OTHER ECONOMIC LOSSES OR
OTHER LOSSES ARISING OUT OF OR RELATED
TO EQUIPMENT WHETHER SUCH DAMAGES BE
DIRECT, INDIRECT, FORESEEABLE OR OTHERWISE
AND WHETHER LIABILITY IS CLAIMED TO ARISE BY
REASON OF CONTRACT, TORT, STRICT LIABILITY,
NEGLIGENCE, OR OTHER LEGAL THEORY. THERE
DOES NOT EXIST, NOR IS ANYONE AUTHORIZED
TO MAKE, ANY PROMISES, WARRANTIES OR
REPRESENTATIONS NOT CONTAINED IN THIS
LIMITED WARRANTY. IN NO EVENT SHALL
MONROE’S LIABILITY EXCEED THE PRICE OF THE
PARTICULAR PIECE OF EQUIPMENT IN QUESTION.
THE MATERIAL CONTAINED HEREIN IS SUPPLIED
WITHOUT REPRESENTATION OR WARRANTY OF
ANY KIND BY MONROE SYSTEMS FOR BUSINESS,
INC. MONROE ASSUMES NO RESPONSIBILITY
RELATIVE TO THE USE OF THIS MATERIAL AND
SHALL HAVE NO LIABILITY FOR ANY DAMAGES,
WHETHER DIRECT, INDIRECT, CONSEQUENTIAL,
OR OTHERWISE ARISING FROM THE USE OF THIS
MATERIAL OR ANY PART THEREOF.
TO MAKE A CLAIM UNDER THIS LIMITED
WARRANTY, THE EQUIPMENT MUST BE SHIPPED,
INSURED AND PREPAID TO THE MONROE FACTORY
SERVICE CENTER TOGETHER WITH PROOF OF
PURCHASE (PURCHASE RECEIPT, INVOICE OR
OTHER ACCEPTABLE EVIDENCE OF TIME AND
PLACE OF PURCHASE). MONROE WILL PAY
RETURN SHIPPING CHARGES TO CUSTOMER
FOR VERIFIED LIMITED WARRANTY CLAIMS
ONLY. MONROE WILL NOT BE RESPONSIBLE FOR
SHIPPING DAMAGE OR LOSS.
Monroe Factory Service Center
Monroe Systems for Business, Inc.
Warranty Department
47 Runway Road, Suite G
Levittown, Pennsylvania 19057-4738
145
(c) 2009. Monroe Systems for Business.
All rights reserved.
Monroe; Monroe Systems for Business;
Monroe, The Calculator Company; the "M-Star" logo
are registered trademarks of Monroe Systems for Business.
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