HP (Hewlett-Packard) 12C manual

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Table of contents for the manual

  • Page 1

    F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 1 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm hp 12c platinum financial calculator user's guide H Edition 4 HP part number F2232-90001[...]

  • Page 2

    F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Notice REGISTER YOUR PRODUC T AT: www.register.h p.com THIS MANUAL AND ANY EXAM PLES CONTAIN ED HEREIN ARE PROVIDED “A S IS” AND ARE SUBJECT TO CHANGE WITHOUT NOTICE. HEWLETT-PAC KARD COMPANY MAK ES NO WARRANTY OF A[...]

  • Page 3

    3 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 3 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Introduction About This Handbook This hp 12c platinum user's guide i s intended to help you get the most out of your investment in your hp 12c platinum Pr ogrammable Financial C alculator. Although the excitement[...]

  • Page 4

    4 Introduction F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 4 of 275 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm z The various app endices describe ad ditional details of calcul ator operation as well as warranty and service informatio n. z The Function K ey Index and P rogramming Key Index at the back of the handbook[...]

  • Page 5

    5 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 5 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Contents Introduction .................................................................... 3 About T his Handbook .....................................................................3 F inanc i al Calc ulatio ns in t[...]

  • Page 6

    6 Contents F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 6 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm P er cent of T otal in AL G Mode ................................................. 3 6 Calendar F uncti ons ...................................................................... 3 7 Date Fo rmat ............[...]

  • Page 7

    Contents 7 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 7 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Statu s Indi cato rs .................................................................... 8 7 Number Display F ormats ........................................................ 8 7 Sc ien tific Notation Displa [...]

  • Page 8

    8 Contents F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 8 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Loop ing .................................................................................... 12 6 Conditi onal Br anching ............................................................... 12 9 Section 10: Prog[...]

  • Page 9

    Contents 9 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 9 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Section 15: Savings .......................................................... 213 Nominal R ate Con verted to Eff ecti v e Rate ......................................213 Effec tiv e R ate Con v erted to Nomi[...]

  • Page 10

    10 Contents F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 10 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Err or 2 : S tatistics........................................................................ 2 46 Err or 3: IRR ............................................................................... 2 46 Err or [...]

  • Page 11

    Contents 11 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 11 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Lo w- P ow er Indi cation .................................................................. 2 5 9 Installing a Ne w Battery ....................................................... 2 60 V erifying Pr oper O[...]

  • Page 12

    12 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 12 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Making Financial Calculations Easy Before you begi n to read thro ugh this ha ndbook, let’s take a look at h ow easy financial calculations can be with your hp 12c platinum. While working throug h the examples bel[...]

  • Page 13

    Making Financial Calculations Easy 13 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 13 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Note: A battery symbol ( ) shown in the upper-left corner of the disp lay when the calcul ator is on signifies that the available battery po wer is nearly exhausted. To in stall ne[...]

  • Page 14

    14 Making Financial Calculations Easy F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 14 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes Display M 10,371.79 Value of policy in 14 years. Example 3: The preceding ex ample show ed that the insur ance polic y will provide about half the required amount. An ad[...]

  • Page 15

    F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 15 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Part I Problem Solving[...]

  • Page 16

    16 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 16 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Sect ion 1 Getting Started P ower On and O ff To begin using your hp 12c platinum, press the ; key * . Pressing ; again turns the calculator off. If not manually turned off , the calculator will turn off automatical[...]

  • Page 17

    Section 1: Getting Started 17 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 17 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Throug hout this handbook, referenc es to the func tions sho wn on the keybo ard in gold under the bracket labeled “ CLEAR” appear throughout this handbook preceded by the word “CLEA[...]

  • Page 18

    18 Section 1: Getting Started F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 18 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm K e yin g in Lar ge Numbers Since the display ca nnot show more than 10 digits of a nu mber, numbers greate r than 9,999,999,999 cannot be enter ed into th e display by ke ying in all the [...]

  • Page 19

    Section 1: Getting Started 19 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 19 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (ALG mode) Disp lay 12345 gÚgÚ .63 + 123.63 Correcting removes the 4 and 5. gÚ clears the most recent digit entered. 5 } 128.63 } is also labeled th e key. gÚ 0.00 Clears [...]

  • Page 20

    20 Section 1: Getting Started F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 20 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Undo Operation Every time you pres s O , gÚ , f CLEAR H , f CLEAR ² or f CLEAR G key to clear d ata, the status indicator appears in th e display. This means you can pre ss gß to undo t[...]

  • Page 21

    Section 1: Getting Started 21 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 21 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Simple Arithmetic Calculations in RPN Mode In RPN mode, any simple arithmetic calculati on involves two numbers and an operation — addition, s ubtraction, multiplication, or di vision. T[...]

  • Page 22

    22 Section 1: Getting Started F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 22 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Simple Arithmetic Calculations in AL G Mode In ALG mode, any simple arithmetic calculation involves two numb ers and an operation — addition, s ubtraction, multiplication, or di vision. [...]

  • Page 23

    Section 1: Getting Started 23 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 3 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Chain Calculations in RPN Mode Whenever the a nswer has just b een calculated and is therefore in the display, yo u can perform a nother op eration with thi s number by simply keying in t[...]

  • Page 24

    24 Section 1: Getting Started F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 4 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Display - 21.68 Pressing - subtracts the number just entered fr om the number previous ly in the display. The calculator displays the result of this calculation, whi[...]

  • Page 25

    Section 1: Getting Started 25 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 25 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Your hp 12c platinum calculates the answ er in just the s ame way in RPN m ode: Keystrokes (RPN mode) Display 3 4 § 12.00 Step 1: Multiply the numbers in t he first parentheses. 5 6 ?[...]

  • Page 26

    26 Section 1: Getting Started F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 6 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Chain Calculations in AL G Mode To do a chain calculation, you don’t need to press } after each operation, but only at the very end. For instance, to calculate 360 12 x 750 you can ente[...]

  • Page 27

    Section 1: Getting Started 27 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 7 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm If you want to c alculate ) 1 5 ( 8 − , use the foll owing keystrokes: Keystrokes (ALG mode) Display OO 0.00 Clears any pending operati ons. 8 zgØ 5 - 5.00 No calc ula tion is done . 1[...]

  • Page 28

    28 Section 1: Getting Started F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 28 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Example: Before you leav e to call on a custo mer intere sted in your personal computer, y ou store the cos t of the comp uter ($1,250) and also the cost of a printer ($500) in data storag[...]

  • Page 29

    Section 1: Getting Started 29 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 29 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Clearing St orage Regi sters To clear a single sto rage register — that is, t o replace the number in it wi th zero — merely sto re zero into it. Yo u need not cl ear a storage r egist[...]

  • Page 30

    30 Section 1: Getting Started F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 30 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes Display 22.95 ?- 0 22.95 Subtracts the first check from the balance in R 0 . Note that th e display continues to show the amount subtracted; th e answer is placed onl y in R 0 .[...]

  • Page 31

    31 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 31 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Sect ion 2 Percentage and Calendar Functions P ercenta ge Functions The hp 12c plat inum includ es three keys for solving perc entage pr oblems: b , à , and Z . You don’t need to convert percent ages to their dec[...]

  • Page 32

    32 Section 2: Percentage and Calendar Functio ns F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 32 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Pe r c e n t a g e s i n A L G M o d e In ALG mode, to find the amount correspon ding to a percentag e of a number: 1. Key in the base number. 2. Press § . 3. Key in th[...]

  • Page 33

    Section 2: Percentage and Ca lendar Functions 33 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 33 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Net Amount in RPN Mode A net amount — th at is, the b ase amount plus o r minus the pe rcentage amount — can be calculat ed easily with your hp 1 2c platinum, since [...]

  • Page 34

    34 Section 2: Percentage and Calendar Functio ns F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 34 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (ALG mode) Display 8 b 1,860.00 Amount of discount. = 21,390.00 Base amount less disc ount. 6 b 1,283.40 Amount of tax (on $21,390). } 22,673.40 Total cost: b[...]

  • Page 35

    Section 2: Percentage and Ca lendar Functions 35 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 35 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm P ercent o f T otal in RPN Mode In RPN mode, to calculat e what percentage on e number is of a nother: 1. Calculate the total amount by adding the individual amount s, j[...]

  • Page 36

    36 Section 2: Percentage and Calendar Functio ns F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 36 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm T o f i n d w h a t p e r c e n t a g e a n u m b e r i s o f a total, when you already know t he total number: 1. Key in the total number. 2. Press to separate the ot[...]

  • Page 37

    Section 2: Percentage and Ca lendar Functions 37 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 3 7 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm T o f i n d w h a t p e r c e n t a g e a n u m b e r i s o f a total, when you already know t he total number: 1. Key in the total number. 2. Press } to separate the o[...]

  • Page 38

    38 Section 2: Percentage and Calendar Functio ns F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 38 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm For example, to key in April 7, 2004: Keystrokes Display 4.072004 4.072004 Day-Mo nth-Ye ar. To set the date form at to day-month-yea r, press gÔ . To key in a date wit[...]

  • Page 39

    Section 2: Percentage and Ca lendar Functions 39 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 39 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Example: If you purchased a 120-day option on a piece of land on 14 May 2004, what would be the expiration date ? Assume that you normally express dates in the day-month[...]

  • Page 40

    40 Section 2: Percentage and Calendar Functio ns F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 40 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Number of Da y s Between Dates To calculate the number of days between two given d ates: 1. Key in the earlier dat e and press . 2. Key in the later date and press gÒ[...]

  • Page 41

    41 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 41 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Sect ion 3 Basic Financial Functions Th e Fin a n c i a l Re g i s te rs In addition to the data storag e registers discuss ed on page 27, the hp 1 2c platinum has five special r egisters in which numbers ar e store[...]

  • Page 42

    42 Section 3: Basic Financial Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 4 2 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Clearing the F inancial Re gisters Every financial function uses nu mbers stored in several of the f inancial registers. Before beginning a new fin ancial calculation, it is go [...]

  • Page 43

    Section 3: Basic Financial Functions 43 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 43 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Example 1: Your go od friend need s a loan t o start his lat est enterpri se and ha s requested that you le nd him $450 for 60 days. You lend him the money at 7 % simple interest[...]

  • Page 44

    44 Section 3: Basic Financial Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 44 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Financial Calculations an d the Cash Flo w Diagram The concepts and e xamples presented in this section are rep resentative of a wi de range of financial calculati ons. If your s[...]

  • Page 45

    Section 3: Basic Financial Functions 45 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 45 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm The arrow pointing up at the right of the diag ram indicates that mone y is received at the end of th e transaction. Every completed cash flo w diagram must incl ude at l e a s t[...]

  • Page 46

    46 Section 3: Basic Financial Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 46 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm z FV — the future valu e — is the final cash flo w or the compounded valu e of a series of prior cash flows. In the particular problem illustrat ed above, FV is unknown (but [...]

  • Page 47

    Section 3: Basic Financial Functions 47 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 4 7 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm The BEGIN status indicator is lit when th e payment mode is set to Begin. If BEGIN is not lit, the payment m ode is set to End. The payment mode rem ains set to what you last sp[...]

  • Page 48

    48 Section 3: Basic Financial Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 48 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm[...]

  • Page 49

    Section 3: Basic Financial Functions 49 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 49 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Compound Interest Calc ulations Specifying the N umber of Compoundin g P eriods and th e P eriodic Interest Rate Interest rates ar e usually quote d at the annual rate (also call[...]

  • Page 50

    50 Section 3: Basic Financial Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 50 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm If the answer ca lculated is not an integer (that i s, there would be nonzer o digits to the right of the decimal point ), the calculato r rounds the ans wer up to the next highe[...]

  • Page 51

    Section 3: Basic Financial Functions 51 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 51 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Display n 328.00 Number of pa yments re quired. 12 z 27.33 Twenty -seven year s and four mon ths. In ALG mode, perform the RPN steps but replace th e last s[...]

  • Page 52

    52 Section 3: Basic Financial Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 5 2 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (ALG mode) Display +:P –325.00 Recalls payment amount. } –143.11 Final, fractional paym ent. Alternatively, you cou ld make the frac tional payment together with [...]

  • Page 53

    Section 3: Basic Financial Functions 53 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 53 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Example 2: You’re ope ning a savin gs account today (t he middle of the month ) with a $775 deposit. The account pays 6. 25% intere st compounded semimonthly. If you make semim[...]

  • Page 54

    54 Section 3: Basic Financial Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 54 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (ALG mode) Display g 4,000.00 Sets the payment mod e to End. n 58.00 Number of semimonthly deposits. z 2 } 29.00 Number of months. As in Example 1, it i s likely tha[...]

  • Page 55

    Section 3: Basic Financial Functions 55 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 5 5 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (ALG mode) Display 4000 } –22.73 Calculates final, fractional, 58 th deposit requ ired to reach $4,000. Calculati ng the P eriodic an d Annua l Inter est R ates 1. [...]

  • Page 56

    56 Section 3: Basic Financial Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 56 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Display ¼ 1.61 Periodic (quart erly) interest rate. 4 § 6.44 Annual interest rate. Keystrokes (ALG mode) Display f CLEAR G 8 § 4 w 32.00 Calculates and s[...]

  • Page 57

    Section 3: Basic Financial Functions 57 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 5 7 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Example 1: You’re financing a new car purchase with a loan from an institution that requires 5.9% interest compoun ded mo nthly over t he 4-year term o f the loan. If you can [...]

  • Page 58

    58 Section 3: Basic Financial Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 58 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Example 2: A development comp any would like to purchase a gro up of condominiums with an annual net cas h flow of $17,500. The expec ted holding period is 5 years, and the estim[...]

  • Page 59

    Section 3: Basic Financial Functions 59 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 5 9 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm 5. Press g× or g to set the pa yment mode. 6. Press P to calculat e the payment a mount. Example 1: Calculate the payment amount on a 29-y ear, $243,400 mortgage at 5.25% ann[...]

  • Page 60

    60 Section 3: Basic Financial Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 60 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Display f CLEAR G 15 2 µw 30.00 Calculates and stores n. 9.75 2 z¼ 4.88 Calculates and stores i. 3200 Þ$ –3,200.00 Stores PV (with minus sign for c[...]

  • Page 61

    Section 3: Basic Financial Functions 61 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 61 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Example 1: In Example 1 on page 59, we calculat ed that the payment amo unt on a 29-year, $243,400 mortgage at 5.25% annual interest co mpounded monthly is $1,363.29. If the sell[...]

  • Page 62

    62 Section 3: Basic Financial Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 6 2 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes Display f CLEAR G 2 gA 24.00 Calculates and stores n. 6.25 gC 0.52 Calculates and stores i. 50 ÞP –50.00 Stores PMT (with minus sign for cash paid out) . g× –50[...]

  • Page 63

    Section 3: Basic Financial Functions 63 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 63 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Odd-P eriod Calculations The cash f low diagr ams and exam ples pre sented so f ar have dea lt with financia l transactions in which interest begins to accrue at the beginning of[...]

  • Page 64

    64 Section 3: Basic Financial Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 64 of 27 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm You can calculate i , PV , PMT , and FV for transactions invol ving an odd perio d simply by enterin g a noninteger n . (A n oninteger is a n umber with at l east one nonzero digi[...]

  • Page 65

    Section 3: Basic Financial Functions 65 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 65 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Example 1: A 36-month loan for $4,500 accrues interest at a 5% annual percentage rate (APR), with the pa yments made at the end of each m onth. If interest begins accruing on thi[...]

  • Page 66

    66 Section 3: Basic Financial Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 66 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (ALG mode) Display 2.152004 } 2.15 Keys in the da te interest begins accruing and separat es it from t he next date ente red. 3.012004 3.012004 Keys in the date of the[...]

  • Page 67

    Section 3: Basic Financial Functions 67 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 6 7 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Display 42 +n 42.43 Adds the fractional pa rt of n t o the number of complete p ayment periods, then stores th e result in n. 3950 $ 3,950.00 Stor es PV. 1[...]

  • Page 68

    68 Section 3: Basic Financial Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 68 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Before leaving this Odd-Period mode example, you may now press ?Æ to turn the C annunciator o ff, if needed. Note that when the cal culator is not in Odd-Period mod e, the statu[...]

  • Page 69

    Section 3: Basic Financial Functions 69 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 69 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Amortization The hp 12c platinum enabl es you to cal culate the amount s applied toward principal and toward i nterest from a single loan payment or from sev eral payments, and a[...]

  • Page 70

    70 Section 3: Basic Financial Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 7 0 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes Display 1498.12 ÞP –1,498.12 Enters PMT (with minu s sign for cash paid out). g –1,498.12 Sets payment mode to End. 12 f! –13,006.53 Portion of first year’[...]

  • Page 71

    Section 3: Basic Financial Functions 71 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 71 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes Display 1 f! –1,093.75 Portion of first payment applied to interest. ~ –404.37 Portion of first payment applied to principal. 1 f! –1,091.98 Portion of secon d p[...]

  • Page 72

    72 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 7 2 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Sect ion 4 Additional Financial Functions Discounte d Cash Flow Analysis: NPV and I RR The hp 12c platinum provides functions for th e two most widel y-used methods of discounted cash flow analysis : fl ( net prese[...]

  • Page 73

    Section 4: Additional Financial Functions 73 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 7 3 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm z If NPV is positive, the financial value of t he investor’s asse ts would be increased: the investment is financially attractive. z If NPV is zero, the financial value o[...]

  • Page 74

    74 Section 4: Additional Financial Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 7 4 of 27 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm In summary, to enter the cash flow am ounts: 1. Press f CLEAR H to clea r the financial and storage regist ers. 2. Key in the amount of the initial investment, press Þ i f [...]

  • Page 75

    Section 4: Additional Financial Functions 75 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 7 5 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes Display 500 ÞgK –500.00 Stores CF 1 (with minus sign for a negative cash flow). 4500 gK 4,500.00 Stores CF 2 . 5500 gK 5,500.00 Stores CF 3 . 4500 gK 4,500.00[...]

  • Page 76

    76 Section 4: Additional Financial Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 7 6 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm In summary, to enter the amo unts of the ca sh flows a nd the number of tim es they occur conse cutively: 1. Press f CLEAR H to clear t he financial and storage regist ers.[...]

  • Page 77

    Section 4: Additional Financial Functions 77 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 77 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes Display f CLEAR H 0.00 Clears finan cial and storage registers. 79000 ÞgJ –79,000.00 Initial investment (with minus sign for a negative cash flow). 14000 gK 14[...]

  • Page 78

    78 Section 4: Additional Financial Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 7 8 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Calculatin g Internal Rate of Return (IRR) 1. Enter the cash flows using either of the meth ods described above under Calculating Net Present Value. 2. Press fL . The calcu[...]

  • Page 79

    Section 4: Additional Financial Functions 79 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 7 9 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Re vie wing Cash F lo w Entries z To display a sin gle cash flow amount , press : , then key in the n umber of the register containing the cash flow amount to be dis played[...]

  • Page 80

    80 Section 4: Additional Financial Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 80 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm To display all the cash flow amounts and the number of times they occur consecutively: Keystrokes Display :ga 1.00 N 7 :gK 100,000.00 CF 7 :ga 1.00 N 6 :gK 4,500.00 CF 6 :ga[...]

  • Page 81

    Section 4: Additional Financial Functions 81 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 81 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Note: If you change the numbe r in the n regist er in order to change an N j , be sure to reset the n umber in the n regi ster to the total number o f cash flow amounts orig[...]

  • Page 82

    82 Section 4: Additional Financial Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 82 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Bond Calculations The hp 12c platinum en ables you to solve for b ond price (and the inter est accrued since the last interest date) and the yi eld to maturity. * The fE and[...]

  • Page 83

    Section 4: Additional Financial Functions 83 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 83 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm In ALG mode, perf orm the steps listed for RPN mode above but re place the last step with the ste p below. Keystrokes (ALG mode) Display +~} 123.07 Total price, inclu ding a[...]

  • Page 84

    84 Section 4: Additional Financial Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 84 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Depreciation Ca lculations The hp 12c platinum e nables you to calcula te depreciation an d the remaining deprecia ble value (bo ok value minus sa lvage value) using th e st[...]

  • Page 85

    Section 4: Additional Financial Functions 85 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 85 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes Display ~ 3,100.00 Remaining depreciable value after second yea r. 3 f# 1,440.00 Depreciation in third year. ~ 1,660.00 Remaining depreciable value after third ye[...]

  • Page 86

    86 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 86 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Sect ion 5 Additional Operating Features Contin uous Memory The calculator’s Continuous M emory contains the data storage registers, the financial registers, the sta ck and LAST X regi sters, prog ram memory, an d[...]

  • Page 87

    Section 5: Additional Operating Features 87 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 8 7 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Th e D i s p l ay Status Indicators Nine indicators that appe ar along the bottom o f the display signify the status of the calculator for certain operation s. These st atus[...]

  • Page 88

    88 Section 5: Additional Operating Features F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 88 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Several options are provided for controlling how number s appear in the dis play. But regardless o f which display format or how many di splayed decimal places you specify, t[...]

  • Page 89

    Section 5: Additional Operating Features 89 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 89 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm exponent is sim ply how many decimal places y ou would move t he decimal point in the mantissa before writing down the numbe r in standard format. If the exponent is negative[...]

  • Page 90

    90 Section 5: Additional Operating Features F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 90 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Special Display s Running. Cert ain functions and many programs may take sev eral seconds or more to produce an a nswer. During th ese calculations, the wo rd running flas he[...]

  • Page 91

    Section 5: Additional Operating Features 91 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 91 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm The ~ key is also useful for chec king the first number entered to make sur e you keyed it in correctly. Befo re pressi ng the operation key or eq uals key, how ever, you sho[...]

  • Page 92

    92 Section 5: Additional Operating Features F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 92 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Reco ve ring Fr om Err ors in Digit Ent ry Example: Suppose yo u want to di vide the total ann ual production for o ne of your firm’s products (429,000) by the number of r [...]

  • Page 93

    93 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 93 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Sect ion 6 Statistics Functions Ac cum u la ti ng S ta ti s ti cs The hp 12c platinum can pe rform one- or two-v ariable statistica l calculations. The data is entered into the calculator using the _ key, w hich aut[...]

  • Page 94

    94 Section 6: Statistics Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 9 4 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm The table below shows where th e accumulated s tatistics are store d. Register Statistic R 1 (and display) n : number of data pairs accumul ated. R 2 Σ x : summation of x- values. R[...]

  • Page 95

    Section 6: Statistics Functions 95 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 95 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Salesperson Hours/Week Sales/Month 1 32 $17, 000 2 40 $25, 000 3 45 $26, 000 4 40 $20, 000 5 38 $21, 000 6 50 $28, 000 7 35 $15, 000 To find the aver age workweek and sales of this sa[...]

  • Page 96

    96 Section 6: Statistics Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 96 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Standard De v iation Pressing gv calculates the standard deviation of th e x-value s ( s x ) and o f the y-value s ( s y ). (Th e standard deviation of a set of data is a measure of t[...]

  • Page 97

    Section 6: Statistics Functions 97 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 9 7 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm To continue sum ming data pairs, press gÖg^ before entering more data . Note: In some cases involving data val ues that differ by a relatively small amount, the cal culator cannot c[...]

  • Page 98

    98 Section 6: Statistics Functions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 98 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Example: Check the reliability of the linear es timate in the p receding example by displaying the correlation coeffi cient. Keystrokes Display ~ 0.90 The correlation coeffici ent is [...]

  • Page 99

    Section 6: Statistics Functions 99 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 99 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm We i g h t e d M e a n You can compute the w eighted mean of a set of nu mbers if you know t he corresponding weights of the items in question. 1. Press f CLEAR ² . 2. Key in the val[...]

  • Page 100

    100 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 100 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Sect ion 7 Mathematics and Number-Alteration Functions The hp 12c platinum p rovides several k eys for mathematical functions and for altering numbers. Thes e functions are usefu l for specia lized finan cial calc[...]

  • Page 101

    Section 7: Mathematics and Number-Alteration Fun ctions 101 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 101 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Integer. P ressing gÑ replaces the number in the displ ay by its integ er portion — that is, it replaces each digit to the ri ght of the decimal point by [...]

  • Page 102

    102 Section 7: Mathematics and Number-Alteration Fun ctions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 102 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm T he P ow er Fun ction in RPN Mode Pressing q calculates a power of a n umber — that is, y x . Like the arithm etic function + , q re quires two nu mbers: [...]

  • Page 103

    F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 103 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Part II Programming[...]

  • Page 104

    104 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 104 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Sect ion 8 Programming Basics Why Us e P rog ram s ? A program is simply a s equence of ke ystrokes that is sto red in the calculator. Whenever you have to calculat e with the sam e sequence o f keystrokes several[...]

  • Page 105

    Section 8: Programming Basics 105 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 1 05 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Example: Your office supplies dealer is selling select ed stock at 25% off . Create a program that calculates the n et cost of an item after th e discount is subt racted and the $5 h[...]

  • Page 106

    106 Section 8: Programming Basics F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 106 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Display 001, 36 2 002, 2 5 003, 5 b 004, 25 - 005, 30 5 006, 5 + 007, 40 Keystrokes (ALG mode) Display - 001, 30 2 002, 2 5 003, 5 b 004, 25 + 005, 40 5 006, 5[...]

  • Page 107

    Section 8: Programming Basics 107 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 10 7 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Example: Run the program created above t o calculate the net cost of a typ ewriter listing for $625 and an executive chair lis ting for $159. Keystrokes (RPN mode) Display fs 155.00 [...]

  • Page 108

    108 Section 8: Programming Basics F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 108 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Progr am Memor y Keystrokes entered into the cal culat or in Program mod e are stored in program memory . Each digit, decimal p oint, or function key is called a n instruction and is [...]

  • Page 109

    Section 8: Programming Basics 109 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 109 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Since keystroke seq uences beginning with f , g , ? , : , and i are stored in only one program line, the display of t h at line would show t he keycodes for all the keys in the keystr[...]

  • Page 110

    110 Section 8: Programming Basics F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 110 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm For example, to display the first two lines of the program n ow stored in progra m memory, set the calculator to Program mo de and pre ss Ê twice : Keystrokes (RPN mode) Display fs 0[...]

  • Page 111

    Section 8: Programming Basics 111 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 111 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm If either the Ê ke y or the Ü key is held down, th e calculator displays all of the lines in program memory. P ress Ê again no w, but this time hold it down until program line 007 [...]

  • Page 112

    112 Section 8: Programming Basics F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 112 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm The 000 Instr uction and Progr am Li ne 000 Whenever you run th e program now st ored in program m emory, the cal culator executes the instruc tion in line 008 after executing the sev[...]

  • Page 113

    Section 8: Programming Basics 113 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 113 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm To determine at any tim e how many program lines (in cluding those containing gi 000) are currently in program memor y, press gN ( memory ). The calculator will respond with a display[...]

  • Page 114

    114 Section 8: Programming Basics F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 114 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Setting th e Calculator to a P articula r Progr am Line There will be occasions when you’ll want to set the cal culator directly to a particular program lin e — such as wh en you?[...]

  • Page 115

    Section 8: Programming Basics 115 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 115 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Display fs 124.25 Sets calculator to Run m ode and to line 000 in program memory. (Display shown assumes results remain from previous calculation.) 625 625. Keys[...]

  • Page 116

    116 Section 8: Programming Basics F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 116 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (ALG mode) Display fs 124.25 Sets calculator to Run mode and to line 000 in program memory. (Display shown assumes results remain from previous calculation.) 625 625. Keys [...]

  • Page 117

    Section 8: Programming Basics 117 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 117 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Interruptin g Program Ex ecutio n Occasionally you’ll w ant a program to stop executing s o that you can s ee an intermediate res ult or enter new dat a. The hp 12c platinum provide[...]

  • Page 118

    118 Section 8: Programming Basics F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 118 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Pressing the gu k e y s i s n o t n e c e s s a r y w h e n w e d o t h e c a l c u l a t i o n s m a n u a l l y , since in Run mode the resul t of every intermedi ate calculation is[...]

  • Page 119

    Section 8: Programming Basics 119 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 119 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Display § 890.50 AMOUNT. ?+ 1 890.50 Adds AMOUNT to sum of AMOUNT entries in register R 1 . : 0 6.75 Recalls tax rate to display. b 60.11 TAX. ?+ 2 60.11 Adds T[...]

  • Page 120

    120 Section 8: Programming Basics F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 120 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Now, we’ll store the progra m in program mem ory. Do not key in the q uantity and cost of each item; these numb ers will vary eac h time the prog ram is run. Keystrokes (RPN mode) D[...]

  • Page 121

    Section 8: Programming Basics 121 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 121 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (ALG mode) Display ?+ 3 012, 44 40 3 Note: The procedu re used in th e ALG program in steps 1 thr ough 3 allows the algebraic program t o run in the same manner as the RPN [...]

  • Page 122

    122 Section 8: Programming Basics F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 122 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes Display : 2 402.82 Sum of TAX column. : 3 6,370.52 Sum of TOTAL column. If the duration of the pause is not long enough to write down the number displayed, you can prolon g[...]

  • Page 123

    Section 8: Programming Basics 123 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 123 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (ALG mode) Display § 001, 20 ~ 002, 34 } 003, 36 t 004, 31 Stops pro g ram exec ution to dis play AMOUNT. ?+ 1 005, 44 40 1 = 006, 40 : 0 007, 45 0 b 008, 25 t 009, 31 Sto[...]

  • Page 124

    124 Section 8: Programming Basics F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 12 4 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes Display t 137.70 TAX for third item. t 2,177.70 TOTAL for third item. 5 345 345. Fourth item. t 1,725.00 AMOUNT for fourth item. t 116.44 TAX for fourth item. t 1,841.44[...]

  • Page 125

    125 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 125 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Sect ion 9 Branching and Looping Although the instructions in a prog ram no rmally are executed in order of th eir program line numbers, i n some situations it is desirabl e to have prog ram execution tr an sf er [...]

  • Page 126

    126 Section 9: Bra nching and Looping F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 12 6 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Looping If a i instruction specifies a lower-numb er ed line in program memory, th e instructions in the program lines between th e specified line and the i inst ruction will be [...]

  • Page 127

    Section 9: Branching and Looping 127 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 127 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes Display f! 003, 42 11 Amortizes payment(s). gu 004, 43 31 Pauses to display am ount of payment(s) applied t o interest. ~ 005, 34 Brings amount of pa yment(s) applied to[...]

  • Page 128

    128 Section 9: Bra nching and Looping F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 128 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes Display –593.75 Portion of first month’s payment applied to interest. Ê 004, 43 31 Line 004: gu . –593.75 Ê 005, 34 Line 005: ~ . –188.72 Portion of first mon[...]

  • Page 129

    Section 9: Branching and Looping 129 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 129 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes Display t –592.25 Portion of third month’s paym ent applied to interest. –190.22 Portion of third month’s paym ent applied to princi pal. t (or any key) –190.2[...]

  • Page 130

    130 Section 9: Bra nching and Looping F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 130 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm These rules can be summari zed as “DO if TRUE”. The program line immediatel y following that containing th e conditional test instruction can contain any instruction; however,[...]

  • Page 131

    Section 9: Branching and Looping 131 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 131 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm RPN program notes: We’ll key the incom e into the display befo re running the program so that it will be in the X-register when the : 0 instruction in program line 001 is execute[...]

  • Page 132

    132 Section 9: Bra nching and Looping F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 13 2 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Display go 003, 43 34 Tests whether n umber in X-re g ister (income) is less t han or equal to number in Y-register (20,000). gi 007 004,43, 33, 007 If cond[...]

  • Page 133

    Section 9: Branching and Looping 133 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 133 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (ALG mode) Display : 0 002, 45 0 Recalls test valu e into X-register and places income in Y-register. ~ 003, 34 Places income in X-register and test value in Y-register.[...]

  • Page 134

    134 Section 9: Bra nching and Looping F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 134 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Display 20,000.00 Test value has been recalled to X-register, moving income to Y-register. Ê 002, 34 Line 002: ~ 15,000.00 Inc ome has been place d in X-reg[...]

  • Page 135

    Section 9: Branching and Looping 135 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 135 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Display Ê 004,43, 33, 007 Condition tested by o was true, so program e xecution continued with line 004: gi 007. 20,000.00 Ê 007, 45 1 Line 007: : 1. 20.00 [...]

  • Page 136

    136 Section 9: Bra nching and Looping F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 136 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (ALG mode) Display 20000 ? 0 20,000.00 Stores test value in re gister R 0 . 20 ? 1 20.00 Stores 20% tax r ate in register R 1 . 25 ? 2 25.00 Stores 25% tax r ate in reg[...]

  • Page 137

    Section 9: Branching and Looping 137 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 13 7 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (ALG mode) Display Ê 012,43,33,000 3,000.00 Line 012: gi 000. 20000 20,000. Keys income equal to test valu e into display and X-register. Ê 001, 44 9 Line 001: ? 9. 2[...]

  • Page 138

    138 Section 9: Bra nching and Looping F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 138 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (ALG mode) Display 25000 25,000. Keys incom e g reater than test v alue into display and X-register. Ê 001, 44 9 Line 001: ? 9. 25,000.00 Stores income into register R[...]

  • Page 139

    13 9 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 139 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Secti o n 10 Program Editing There are vario us reasons why you might want to modify a program you h ave stored in Program mem ory: to correct a p r ogram that turns out to have errors; to insert new instructions[...]

  • Page 140

    140 Section 10: Program Editing F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 140 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Display Ê 006,43, 33, 008 Shows that instruction in program line 006 has not been changed. fs 6,250.00 S ets calculator back to Run mode. (Display shown assumes r[...]

  • Page 141

    Section 10: Program Editing 141 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 141 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Note: To add one or more instruction s at the end of a prog ram that is not the last program store d in progra m memory , use the proc edure desc ribed below under Adding Inst ructions [...]

  • Page 142

    142 Section 10: Program Editing F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 142 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (ALG mode) Display 15000 t 12,000.00 Net income after 20% tax is subtracted from $15,000 income. Adding Instr uctions within a Pr ogr am If an instruction is to be added with[...]

  • Page 143

    Section 10: Program Editing 143 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 143 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm 4. Key in the original inst ruction or instructions, beginning with the first instruction to be executed after the a dded instruction(s), and continuing through the last instructi on yo[...]

  • Page 144

    144 Section 10: Program Editing F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 144 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (ALG mode) Display Þ 013, 16 Keys new instruction into program line 013. + 014, 40 Keys new instruction into program line 014. : 9 015, 45 9 Keys new instruction into progra[...]

  • Page 145

    Section 10: Program Editing 145 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 145 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm ensures that program ex ecution will branch to line 000 after the progra m is run. 6. Key in the instruction(s) being added . 7. Key in the i nstruction that origin ally immediately fol[...]

  • Page 146

    146 Section 10: Program Editing F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 146 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Display : 3 012, 45 3 ~ 013, 34 go 014, 43 34 gi 000 015,43, 33, 000 Added instructions. : 0 016, 45 0 Keys in instruction immediately following point at which new[...]

  • Page 147

    Section 10: Program Editing 147 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 1 4 7 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (ALG mode) Display gi 018 001,43, 33, 018 Br anches to program line 018, the second line after last line of program. gi. 016 016, 36 Sets calculator to last line of program[...]

  • Page 148

    148 Section 10: Program Editing F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 148 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm The following illustration of t he edited RPN prog ram shows how program execution branches to the instru ctions added at the end of p rogram memory, th en branches back. While the actu[...]

  • Page 149

    14 9 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 149 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Secti o n 11 Multiple Programs You can store multiple programs in program m emory, provided that you separat e them by instructi ons that will halt program exec ution after eac h program is run and return to the [...]

  • Page 150

    150 Section 11: Multiple Programs F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 150 of 275 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Example 1: Assuming th at program memo ry still contains the last program from the preceding section (which consisted of 17 program lines in RPN mode an d 23 program lines in ALG mod e)[...]

  • Page 151

    Section 11: Multiple Programs 151 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 151 of 275 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (ALG mode) Display - 025, 30 2 026, 2 5 027, 5 b 028, 25 + 029, 40 5 030, 5 } 031, 36 Keys in program. t 032, 31 Ha lts program exec ution. gi 025 033,43, 33, 025 Branches to[...]

  • Page 152

    152 Section 11: Multiple Programs F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 152 of 275 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Display ? 0 028, 44 0 : 0 029, 45 0 f! 030, 42 11 gu 031, 43 31 ~ 032, 34 gu 033, 43 31 gi 029 034,43, 33, 029 Keys in program Keystrokes (ALG mode) Display fs Set[...]

  • Page 153

    Section 11: Multiple Programs 153 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 153 of 275 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Runni ng Another Pr ogra m To run a program that does not begin with program line 001: 1. Press fs to set the calculator to Run mode. If the calculat or is already in Run mode, skip thi[...]

  • Page 154

    [...]

  • Page 155

    F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 15 5 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Part III Solutions[...]

  • Page 156

    15 6 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 156 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Secti o n 12 Real Estate and Lending Annual P ercentage Rate Calculations With Fees Borrower s are usually ch arged fee s in connection with the issu ance of a mortgage , which effectivel y raises the in terest r[...]

  • Page 157

    Section 12: Real Estate and Lending 157 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 15 7 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm ALG Mode: z If fees are stat ed as a perce ntage of the mo rtgage amount (p oints), recall the mortg age amount ( :$ ); press - ; key in the f ee (percen tage) r ate; press b$ [...]

  • Page 158

    158 Section 12: Real Estate and Lending F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 158 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Example 2: Using the same i nformation as given in example 1, calculate the APR if the mortgage fee is $750 instead of a percentage. Keystrokes (RPN mode) Keystrokes (ALG mode) [...]

  • Page 159

    Section 12: Real Estate and Lending 159 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 15 9 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Keystrokes (ALG mode) Display ¼ ¼ 0.48 Monthly interest rate (calculated). 12 § § 12 ³ 5.73 Annual percentage rate. Price of a Mortg age T r aded at [...]

  • Page 160

    160 Section 12: Real Estate and Lending F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 1 60 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Keystrokes (ALG mode) Display 9 gC 9 gC 0.75 Discount rat e (into i). 137.17 P * 137.17 P * 137.17 Monthly payments (in to PMT). 2000 M$ 2000 M$ –8,777.[...]

  • Page 161

    Section 12: Real Estate and Lending 161 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 161 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Yield of a Mortgage T r aded at a Discount or Pr emium The annual yield of a mortg age bought at a discount or premium can be calculated given the original mortgage amount, inte[...]

  • Page 162

    162 Section 12: Real Estate and Lending F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 16 2 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Keystrokes (ALG mode) Display P P 2,096.57 Payment received (calculated). :n :n 252.00 Recall number of periods. 42 -n - 42 n 210.00 Number of periods lef[...]

  • Page 163

    Section 12: Real Estate and Lending 163 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 163 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Calculate the remaining balance of the loan after five y ears. Keystrokes (RPN mode) Keystrokes (ALG mode) Display 5 gA 5 gA 60.00 Number of p eriods to be amortized. M M 258,37[...]

  • Page 164

    164 Section 12: Real Estate and Lending F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 164 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY f CLEAR Î 000, f CLEAR Î 000, M 001, 15 M 001, 15 M * 002, 15 M * 002, 15 Þ 003, 16 Þ 003, 16 ?. 1 004,44 48 1 ?.[...]

  • Page 165

    Section 12: Real Estate and Lending 165 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 1 6 5 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY § 022, 20 2 022, 2 f! 023, 42 11 f! 023, 42 11 Þ 024, 16 Þ 024, 16 :n 025, 45 11 z 025, 10 z 026, 10 :n 026, 45 [...]

  • Page 166

    166 Section 12: Real Estate and Lending F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 166 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY M 046, 15 :$ 046, 45 13 t 047, 31 M 047, 15 : 1 048, 45 1 t 048, 31 : 6 049, 45 6 : 1 049, 45 1 + 050, 40 Þ 050, 16 [...]

  • Page 167

    Section 12: Real Estate and Lending 167 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 16 7 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm 1. Key in the program. 2. Key in the estimated dow n payment then press ? 1. 3. Key in the life of the mortgage then p ress ? 2. 4. Key in the annual mortgage interest rate the[...]

  • Page 168

    168 Section 12: Real Estate and Lending F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 168 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Example: You are being tran sferred for 4 years t o a distant city and are face d w i t h t h e d e c i s i o n o f w h e t h e r t o r e n t o r t o b u y a h o u s e . A q u i[...]

  • Page 169

    Section 12: Real Estate and Lending 169 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 169 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Keystrokes (ALG mode) Display t t 8.57 Yield. t t 46,048.61 Balanc e in sav ings. By purchasing a house, you would gain $7,047.04 (53,095.65 – 46,048.61)[...]

  • Page 170

    170 Section 12: Real Estate and Lending F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 17 0 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm In the example cited, the rental payment stre am for months 7 through 24 are “deferred annuities,” as th ey start at some time in the futu re. The cash flow diagram from th[...]

  • Page 171

    171 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 171 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Secti o n 13 Investment Analysis P artial- Y ear Depreciation For both income tax purposes and financial analys es, it is va luable to calculate deprec iatio n based o n a calendar or fisca l accounti ng year . Wh[...]

  • Page 172

    172 Section 13: Investment Analysis F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 17 2 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY : 1 012, 45 1 1 012, 1 § 013, 20 fV 013, 42 23 ? 3 014, 44 3 § 014, 20 :$ 015, 45 13 : 1 015, 45 1 ~ 016, 34 ³ 016, 3[...]

  • Page 173

    Section 13: Investment Analysis 173 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 17 3 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY gu 036, 43 31 ?= 2 036,44 40 2 :$ 037, 45 13 gi 029 037,43,33, 029 :M 038, 45 15 : 2 038, 45 2 - 039, 30 gu 039, 43 31 :[...]

  • Page 174

    174 Section 13: Investment Analysis F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 17 4 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm RPN Mode: 6. Key i n the year desire d then pres s . 7. Key in the number of months in t he first year and press t . * The display will show the amount of depreciation fo r the d[...]

  • Page 175

    Section 13: Investment Analysis 175 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 1 7 5 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Keystrokes (ALG mode) Display f] f[ f CLEAR G f CLEAR G Salvage value = 0 so FV = 0; set to 0 by CLEAR G . 125000 $ 125000 $ 125,000.00 Book value. 25 n 25 n[...]

  • Page 176

    176 Section 13: Investment Analysis F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 17 6 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Example 2: A used car was purc hased for $6, 730 with 4.5 months remaining in the year. If the expected life of the car is 5 years, what is the amount of depreciation in the fi rst[...]

  • Page 177

    Section 13: Investment Analysis 177 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 177 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY 1 010, 1 ³ 010, 36 f# 011, 42 25 ? 0 011, 44 0 : 1 012, 45 1 1 012, 1 § 013, 20 f# 013, 42 25 ? 3 014, 44 3 § 014, 20 [...]

  • Page 178

    178 Section 13: Investment Analysis F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 17 8 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY :M 034, 45 15 : 2 034, 45 2 - 035, 30 gu 035, 43 31 : 3 036, 45 3 :$ 036, 45 13 gi 026 037,43,33, 026 - 037, 30 fs :M 03[...]

  • Page 179

    Section 13: Investment Analysis 179 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 17 9 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm RPN Mode: 7. Key i n the year desire d then pres s . 8. Key in the number of months in fi rst year * and press t . † The display will show the amount of depreciation for the de[...]

  • Page 180

    180 Section 13: Investment Analysis F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 180 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Keystrokes (ALG mode) Display 11,458.33 depreciation. Sum-o f-the- Y ears-Digits De precia tion The following hp 12c platinum prog ram calculates th e sum-of-t[...]

  • Page 181

    Section 13: Investment Analysis 181 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 181 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY $ 018, 13 :$ 018, 45 13 :n 019, 45 11 - 019, 30 : 1 020, 45 1 ~ 020, 34 - 021, 30 $ 021, 13 n 022, 11 :n 022, 45 11 : 0 0[...]

  • Page 182

    182 Section 13: Investment Analysis F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 182 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY fs :M 042, 45 15 ³ 043, 36 : 3 044, 45 3 gi 033 045,43,33, 033 fs REGISTERS n: Life i: Unused PV: Dep. Value PMT: Unused[...]

  • Page 183

    Section 13: Investment Analysis 183 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 183 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm RPN Mode: 6. Key i n the year desire d then pres s . 7. Key in the number of months in fi rst year * then press t . † The display will show the amount of depreciation for the de[...]

  • Page 184

    184 Section 13: Investment Analysis F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 184 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Keystrokes (ALG mode) Display 11 t ~ 11 t ~ 4.00 781.41 8,238.71 Fourth year: depreciation, remaining depreciable value. t ~ t ~ 5.00 746.02 7,492.69 Fifth yea[...]

  • Page 185

    Section 13: Investment Analysis 185 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 1 8 5 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY ? 4 008, 44 4 ~ 008, 34 d 009, 33 ³ 009, 36 ? 0 010, 44 0 ? 4 010, 44 4 1 011, 1 d 011, 33 ?- 0 012,44 30 0 d 012, 33 [...]

  • Page 186

    186 Section 13: Investment Analysis F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 186 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY gi 039 032,43,33, 039 ~ 032, 34 d 033, 33 : 0 033, 45 0 d 034, 33 1 034, 1 1 035, 1 go 035, 43 34 gu 036, 43 31 gi 043 03[...]

  • Page 187

    Section 13: Investment Analysis 187 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 18 7 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY go 056, 43 34 gi 058 056,43,33, 058 gi 086 057,43,33, 086 gi 070 057,43,33, 070 :$ 058, 45 13 d 058, 33 : 5 059, 45 5 0 [...]

  • Page 188

    188 Section 13: Investment Analysis F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 188 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY ?+ 3 080,44 40 3 fV 080, 42 23 d 081, 33 ?+ 1 081,44 40 1 : 0 082, 45 0 1 082, 1 1 083, 1 ?- 0 083,44 30 0 go 084, 43 34 [...]

  • Page 189

    Section 13: Investment Analysis 189 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 189 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm REGISTERS n: Life i: Fa ctor PV: Dep. Value PMT: Unused FV: Salvage R 0 : Used R 1 : Dep. R 2 : Counter R 3 : Used R 4 : Used R 5 : Used R 6 : Used 1. Key in the program. 2. Press f[...]

  • Page 190

    190 Section 13: Investment Analysis F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 190 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Keystrokes (ALG mode) Display 500 M 500 M 500.00 Salvage value. 8 n 8 n 8.00 Life. 200 ¼ 200 ¼ 200.00 Declining-balance fact or. 1 1 ³ 1.00 First year dep[...]

  • Page 191

    Section 13: Investment Analysis 191 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 191 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Ex cess Depr eciation When accelerat ed depreciation is used, the diff erence betwee n total depreci ation charged over a given period of time and th e total amount that would have [...]

  • Page 192

    192 Section 13: Investment Analysis F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 192 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Modified Internal Rate o f Retur n The traditional Intern al Rate of Return ( IRR ) techn ique has several drawbacks whi ch hamper its usefulness in some investment applications. T [...]

  • Page 193

    Section 13: Investment Analysis 193 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 193 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Example: An investor ha s the following unco nventi onal investment oppo rtunity. The cash flows are: Group # of Months Cash Flow ($) 0 1 –180,000 1 5 100,000 2 5 –100,000 3 9 0[...]

  • Page 194

    194 Section 13: Investment Analysis F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 1 9 4 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Blac k - Scho les Formula for V alu ing European Op tions This program implements the Black-Sc holes formula w hich has been u sed extensively in option market s worldwide since i[...]

  • Page 195

    Section 13: Investment Analysis 195 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 195 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY g° 017, 43 23 } 017, 36 ~ 018, 34 ? 3 018, 44 3 z 019, 10 :$ 019, 45 13 gF 020, 43 40 z 020, 10 2 021, 2 : 4 021, 45 4 ?[...]

  • Page 196

    196 Section 13: Investment Analysis F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 19 6 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY 0 041, 0 } 041, 36 6 042, 6 Þ 042, 16 z 043, 10 g> 043, 43 22 1 044, 1 : 3 044, 45 3 + 045, 40 g¡ 045, 43 20 y 046,[...]

  • Page 197

    Section 13: Investment Analysis 197 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 1 9 7 of 27 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY : 3 065, 45 3 : 2 065, 45 2 ~ 066, 34 - 066, 30 ? 3 067, 44 3 2 067, 2 O 068, 35 4 068, 4 ~ 069, 34 § 069, 20 go 070, 4[...]

  • Page 198

    198 Section 13: Investment Analysis F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 198 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY ~ 089, 34 ?- 3 089,44 30 3 : 3 090, 45 3 Þ 090, 16 :$ 091, 45 13 ?§ 3 091,44 20 3 ?- 4 092,44 30 4 ~ 092, 34 § 093, 20[...]

  • Page 199

    Section 13: Investment Analysis 199 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 199 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY } 113, 36 ?+ 4 114,44 40 4 : 4 115, 45 4 ~ 116, 34 ? 5 117, 44 5 g( 000 118,43,33, 000 fs REGISTERS n: Term to expiry i: [...]

  • Page 200

    200 Section 13: Investment Analysis F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 200 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Example 1: An option has 6 months to run and a strike price of $45. Find Call and Put values assuming a spot price of $52, retu rn volatility of 20.54% per month and a ris k-free in[...]

  • Page 201

    Section 13: Investment Analysis 201 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 201 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Example 2: The stock price six months from the expiration of an option is $42, the exercise price of the option is $40, the risk -free interest rate is 10% per annum, and the volati[...]

  • Page 202

    202 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 202 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Secti o n 14 Leasing Adv ance P ay ments Situations may exist wh ere payments a re made in advance (leasi ng is a good example). Thes e agreements call for extra payments to be made when the trans actio n is cl os[...]

  • Page 203

    Section 14: Leasing 203 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 203 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Example 1: Equipment worth $750 is leased for 12 months. The equipment is assumed to hav e no salvage value at the end of the lease. The lessee has agreed to make three payments at the ti me of[...]

  • Page 204

    204 Section 14: Leasing F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 204 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY ¼ 008, 12 ¼ 008, 12 1 009, 1 1 009, 1 Þ 010, 16 Þ 010, 16 P 011, 14 P 011, 14 $ 012, 13 $ 012, 13 : 1 013, 45 1 + 013, 40 + 014, [...]

  • Page 205

    Section 14: Leasing 205 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 05 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Example 2: Using the precedin g program, solve for th e monthly paymen t using the information given in exampl e 1. Then change the yea rly interest to 15% and solve for the new pay ment amoun[...]

  • Page 206

    206 Section 14: Leasing F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 206 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Solving for Yield To calculate the peri odic yield, information is entered as follows: 1. Press g and f CLEAR G . RPN Mode: 2. Key in the total numb er of payments in the lease then press .[...]

  • Page 207

    Section 14: Leasing 207 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 20 7 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Keystrokes (ALG mode) Display ¼ ¼ 1.44 Monthly yield (calculated). 12 § § 12 ³ 17.33 Annual yield (a s a percentage). If solving for yie ld will be done repetitively[...]

  • Page 208

    208 Section 14: Leasing F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 208 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY :gC 017,45,43 12 fs REGISTERS n: n–#Adv. Pmts. i: i PV: Used PMT: Pmt. FV: 0 R 0 : n R 1 : Adv. Pmts. R 2 : Pmt. R 3 : Loan R 4 –[...]

  • Page 209

    Section 14: Leasing 209 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 209 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Adv ance P a yments Wi th Residual Situations may arise where a trans action has advance payments and a resid ual value (salvage v alue) at the end of the norm al term. Solving for P ayment The[...]

  • Page 210

    210 Section 14: Leasing F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 210 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY n 018, 11 : 4 018, 45 4 1 019, 1 n 019, 11 Þ 020, 16 1 020, 1 P 021, 14 Þ 021, 16 $ 022, 13 P 022, 14 : 4 023, 45 4 $ 023, 13 + 024[...]

  • Page 211

    Section 14: Leasing 211 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 211 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm 7. For a new case, return to ste p 2. The values cha nged from the previ ous case are the only val ues which ne ed to be re-ent ered. Example 1: A copier worth $22,000 is to be leased for 48 mo[...]

  • Page 212

    212 Section 14: Leasing F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 212 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Solving for Yield Solving for yield is essentially th e same as solvi ng for Internal Rate of Return ( IRR ). The keystrokes are as follows: 1. Press f CLEAR H . 2. Key in the amount of th e fi[...]

  • Page 213

    213 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 213 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Secti o n 15 Savings Nominal Rate Converted to Effec tive Rate Given a nominal interest rat e and the number of compounding periods pe r year, this keystroke pr ocedure comput es the effecti ve annual intere st ra[...]

  • Page 214

    214 Section 15: Sa vings F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 214 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm For repeated calculations, th e following hp 12c platinum program can be us ed: KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY fs fs f CLEAR Π000, f CLEAR Π000, g 001, 43 8 [...]

  • Page 215

    Section 15: Savings 215 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 215 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm 1. Key in the program. 2. RPN: Key in the annual nomin al rate as a percentage the n press . 2. ALG: Key in t he annual no minal r ate as a percenta ge then pr ess ³ . 3. Key in the number o[...]

  • Page 216

    216 Section 15: Sa vings F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 216 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Example: Find the nominal rate compo unded quarterly if the effective annual rate is 5.35%. Keystrokes (RPN mode) Keystrokes (ALG mode) Display f] f[ f CLEAR G f CLEAR G 4 n 100 $ 4 n 100 $ 10[...]

  • Page 217

    217 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 217 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Secti o n 16 Bonds 30/3 60 Da y Basis Bonds A bond is a contract to pay interest, u sually semiannuall y, at a given rate (co upon) and to pay the princi pal of the bond at some specifi ed future date. A bond whic[...]

  • Page 218

    218 Section 16: Bonds F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 218 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY 1 014, 1 z 014, 10 8 015, 8 1 015, 1 0 016, 0 8 016, 8 z 017, 10 0 017, 0 n 018, 11 n 018, 11 gT 019, 43 24 gT 019, 43 24 1 020, 1 1 02[...]

  • Page 219

    Section 16: Bonds 219 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 219 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY : 1 039, 45 1 } 039, 36 : 6 040, 45 6 g( 000 040,43, 33, 000 + 041, 40 : 1 041, 45 1 Þ 042, 16 Þ 042, 16 $ 043, 13 - 043, 30 ¼ 044, [...]

  • Page 220

    220 Section 16: Bonds F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 220 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm 7. If price is desired: a. Key in the desired yield to m aturity as a p ercentage then pr ess ? 0. b. Press t to calculate price a s a percentag e of par valu e. c. RPN: Press ~ to display accru [...]

  • Page 221

    Section 16: Bonds 221 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 221 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Keystrokes (ALG mode) Display t t 103.41 Pric e to yield 4.5% (calculated). ~ +~ 1.33 Accrued interest (calculated). + ³ 104.74 Total price paid. Example 2: The market is q[...]

  • Page 222

    222 Section 16: Bonds F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 22 2 of 27 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Annual Coupon Bonds For bonds whi ch have annual cou pons, use the following hp 12c platinum program to ev aluate price an d accrued interes t on an Actual/A ctual day basi s. This program may be[...]

  • Page 223

    Section 16: Bonds 223 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 22 3 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm KEYSTROKES (RPN mode) DISPLAY KEYSTROKES (ALG mode) DISPLAY gÒ 019, 43 26 : 5 019, 45 5 ? 7 020, 44 7 gÒ 020, 43 26 : 6 021, 45 6 ? 7 021, 44 7 : 4 022, 45 4 : 6 022, 45 6 gÒ 023, 43 26 : 4 0[...]

  • Page 224

    224 Section 16: Bonds F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 22 4 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm REGISTERS n: Used i: Yield PV: Used PMT: Cpn. or 0 FV: Used R 0 : # Peri ods (n) R 1 : Yield R 2 : Coupon R 3 : Redemption R 4 : Settlement R 5 : Next Cpn. R 6 : Last Coupon R 7 : Used R 8 –R [...]

  • Page 225

    Section 16: Bonds 225 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 22 5 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Keystrokes (ALG mode) Display 100 ? 3 100 ? 3 100.00 Redemption value. 8.152004 ? 4 8.152004 ? 4 8.15 Settlement date. 12.012004 ? 5 12.012004 ? 5 12.01 Next coupon date. t[...]

  • Page 226

    [...]

  • Page 227

    F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 22 7 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Appendices[...]

  • Page 228

    228 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 22 8 of 27 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Appendi x A RPN and the Stack In RPN mode, fo ur special re g isters in the hp 1 2c platinum are used for storin g numbers durin g calculations. To understand how these re g isters are u sed, they should be visual[...]

  • Page 229

    Appendix A: RPN and the Stack 229 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 22 9 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Now let’s see what ha ppens in the stack during a chain calculation in RPN mode : 7 ) 6 5 ( ) 4 3 ( × + × See how the int ermediate re sults are not only di splayed when t hey ar[...]

  • Page 230

    230 Appendix A: R PN and the Stack F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 30 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm T er minatio n of Digit En try The first digit keyed in after digit entry has been termin ated replaces the number already in the displayed X-register. Digit entry is autom atically[...]

  • Page 231

    Appendix A: RPN and the Stack 231 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 31 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm One - Number Func tions an d the Stac k One-number mathemati cs and number-alte ration functions — y , r , ° , > , ¡ , e , B , Ñ , and T — use only the number in the d ispl[...]

  • Page 232

    232 Appendix A: R PN and the Stack F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 3 2 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm When an arithmetic operation or q is performed, t he answer is placed in the X-register , the number form erly in the X-regist er is copied into the LAST X re gister, and the stack[...]

  • Page 233

    Appendix A: RPN and the Stack 233 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 3 3 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Calendar and Fi nancial Fu nctions The following table shows what quantity is in each sta ck register after t he indicated calendar or financial function ke y is pressed. The symbol[...]

  • Page 234

    234 Appendix A: R PN and the Stack F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 34 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm The LAST X R egister and th e Key The number in the disp layed X- register is copied into the LAST X register whenever any o f the following function keys is presse d: + - § z y q [...]

  • Page 235

    Appendix A: RPN and the Stack 235 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 23 5 of 27 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Virtually ev ery chain ca lculation yo u are likely to encou nter can be done us ing only the four st ack registers. Howe ver, to avoid having to store an intermediat e result in a st[...]

  • Page 236

    236 Appendix A: R PN and the Stack F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 23 6 of 27 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (RPN mode) Display 84000 84,000. Enters base amount into displayed X-register. § 168,000.00 Annual sales after first year. § 336,000.00 Annual sales after second year. ?[...]

  • Page 237

    237 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 3 7 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Appendi x B Algebraic Mode (ALG) Although most of this material is includ ed at the approp riate places througho ut this manual, it is collec ted here for eas y reference. To select algebraic mode, press f[ . Wh[...]

  • Page 238

    238 Appendix B: Algebraic Mode (ALG) F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 38 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (ALG mode) Display 90.89 } –13.54 } completes the calculation. 65 gr§ 12 } 96.75 New calculation: 12 65 × z 3.5 } 27.64 Calculates 96.75 ÷ 3.5 You can also do long[...]

  • Page 239

    Appendix B: Algebraic Mode (ALG) 239 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 3 9 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Keystrokes (ALG mode) Display OO 0.00 Clears any pend ing operations. 456 - 75 z 381.00 18.5 § 20.59 68 z 1,400.43 1.9 } 737.07 Th e Key i n A LG M o d e LAST X in ALG mode is n[...]

  • Page 240

    240 Appendix B: Algebraic Mode (ALG) F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 40 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm The stack diagrams sh owing the output for the Calendar and Fin ancial functions on page 233 are the same for ALG as R PN mode. To add INT and PRICE after executing the bond E fu [...]

  • Page 241

    Appendix B: Algebraic Mode (ALG) 241 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 41 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm P ercenta ge Functions In most cases, b divide s a number by 100. The one excepti on is when a plu s or minus sign precedes the nu mber. For instance, 25 b results in 0.25. To fin[...]

  • Page 242

    242 Appendix B: Algebraic Mode (ALG) F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 4 2 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Pe r c e n t o f To t a l To calculate what pe rcentage one n umber is of anoth er: 1. Calculate the total amount by adding all individual amounts. 2. Key in the number whose per[...]

  • Page 243

    243 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 43 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Appendi x C More About L Given a sequence of positive and negative cash flows, we hop e that there is enough information to determine w hether an IRR answer exists, and what that answer is. For th e vast majority[...]

  • Page 244

    244 Appendix C: More About L F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 44 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Searching for IRR. You can continue searching fo r IRR soluti ons, even afte r an Error 3 indication, as follows: 1. Make a guess for th e interest rate an d key it in. 2. Press :gt . You[...]

  • Page 245

    245 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 4 5 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Appendi x D Error Conditions Some calculator operation s cannot be p e rformed unde r certain conditions (for example, z when x = 0). If you atte mpt such an opera tion under thes e conditions, the calculator wi[...]

  • Page 246

    246 Appendix D: E rror Conditions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 46 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Err or 1 : Stor age R egister Overflo w Operation Condition ?+ (0 through 4) ?- (0 through 4) ?§ (0 through 4) ?z (0 through 4) A Magnitude of result is greater than 9.999999999×10[...]

  • Page 247

    Appendix D: Error Conditions 247 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 4 7 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Error 5: Compound Interest Operation Condition n i = 0 and PMT = 0 PMT is between FV × d and –PV × d , inclusive, where d = ) 100 1 ( ) 100 ( S i i × + , where S=0 for EN D mode[...]

  • Page 248

    248 Appendix D: E rror Conditions F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 48 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Err or 6: Stor age Regis ters Operation Condition ? : Storage regist er specified do es not exist or has been converted to program lines. K a n specifies a storage regist er that doe[...]

  • Page 249

    Appendix D: Error Conditions 249 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 4 9 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Error 8: Cale ndar Operation Condition Ò D Improper date format o r illegal date. D Attempting to add days beyond calculator’s date capacity. E S Improper date format o r illegal [...]

  • Page 250

    250 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 25 0 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Appendi x E Formulas Used Pe r c e n t a g e 100 ) Rate( ) Base( % x y × = ⎟ ⎟ ⎠ ⎞ ⎜ ⎜ ⎝ ⎛ − = ∆ ) Base( ) Base( ) NewAmount( 100 % y y x ⎟ ⎟ ⎠ ⎞ ⎜ ⎜ ⎝ ⎛ = ) Total( ) Amount( [...]

  • Page 251

    Appendix E: Formulas Used 251 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 251 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Compound Interest Without an odd period: n n i FV i i PMT iS PV − − + + ⎥ ⎥ ⎦ ⎤ ⎢ ⎢ ⎣ ⎡ + − ⋅ ⋅ + + = ) 1 ( ) 1 ( 1 ) 1 ( 0 With simple intere st used for an odd[...]

  • Page 252

    252 Appendix E: Formulas Used F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 25 2 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Discounted Cash Flow Analy sis Net Pre sent V alue NPV = net present v alue of a di scounted cas h flow. CF j = cash flow at period j . n n i CF i C F i CF CF NPV ) 1 ( ... ) 1 ( ) 1 ( 2[...]

  • Page 253

    Appendix E: Formulas Used 253 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 25 3 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Bonds Reference: Jan Mayle, TIPS Inc. , Standard Securities Calculation Methods , Volume 1, Th ird Edition, Securities Industry Association Inc., New York, 1993. DIM = days between issue[...]

  • Page 254

    254 Appendix E: Formulas Used F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 254 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Black-Sch oles Formul a for Valuin g European O ptions P = current asset price. r% = risk-free rate (continuous, per time unit). s% = volatility (continu ou s, per time unit) . T = term o[...]

  • Page 255

    Appendix E: Formulas Used 255 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 25 5 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Str aight-L ine Depreci ation Keyboard functi on: L SAL SBV DPN J − = for j = 1, 2, …, L Program for part ial first yea r: 12 1 1 Y L SA L SB V DPN ⋅ − = L SAL SBV DPN J − = fo[...]

  • Page 256

    256 Appendix E: Formulas Used F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 25 6 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm L FACT RBV DPN j j 100 1 ⋅ = − for j ≠ 1 Modified Internal Rate o f Retur n n = number of compou nding periods. NFV P = Net future value of the positive cash flows. NPV N = Net pre[...]

  • Page 257

    Appendix E: Formulas Used 257 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 25 7 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Stati sti cs Mea n n x x ∑ = n y y ∑ = We i g h t e d M e a n ∑ ∑ = w w x x w Linear Estima tion n = number of data pai rs B x A y + = ˆ B A y x − = ˆ where () n x x n y x xy[...]

  • Page 258

    258 Appendix E: Formulas Used F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 25 8 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Th e Re n t o r B uy D e c i s i o n Market Value = PRICE(1 + I ) n where: I = appreciation per year (a s decimal) n = number of years Net Cash Proce eds on Resale = Market Value – Mor[...]

  • Page 259

    259 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 25 9 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Appendi x F Battery, Warranty, and Service Information Battery The hp 12c platinum is shipped with one 3 Volt CR2032 Lithium battery. Battery life depends on how t he calculator i s used. If the calculator is bei[...]

  • Page 260

    260 Appendix F: B attery, Warra nty, and Servi ce Information F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 26 0 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Installing a N ew Battery The contents of t he calculator’s Contin uous Memor y are preserved f or a short time while the battery is out of the c alcula[...]

  • Page 261

    Appendix F: B attery, Warrant y, and Service Information 261 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 61 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm V erify ing Pr oper Opera tion (S elf - T ests) If it appears that the calculator will not tu rn on or otherwise is not operating properly, use one of the [...]

  • Page 262

    262 Appendix F: B attery, Warra nty, and Servi ce Information F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 6 2 of 27 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Note: Tests of the cal culator’s electronics a re also performed if the = ke y or the z k e y is hel d do wn w h e n ; is released. * These tests are in[...]

  • Page 263

    Appendix F: B attery, Warrant y, and Service Information 263 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 6 3 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Wa r r a n t y hp 12c platinum Financial Calcu lator; Warranty peri od: 12 months 1. HP warrants to you, the end-us er customer, th at HP hardware, a cces[...]

  • Page 264

    264 Appendix F: B attery, Warra nty, and Servi ce Information F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 64 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Some countries, States or p rovinces do not allow the e xclusion or limitation of incidental or conseque ntial damages, so the abov e limitation or exclus[...]

  • Page 265

    Appendix F: B attery, Warrant y, and Service Information 265 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 26 5 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Asia Pacific Country : Telephone n umbers Australia +61-3-9841-5211 Singapore +61-3-9841-5211 L.America Country : Telephone n umbers Argentina 0-810-555- 5[...]

  • Page 266

    266 Appendix F: B attery, Warra nty, and Servi ce Information F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 66 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm installation. In the unlikely event that ther e is interferen ce to radio or t elevision reception(which can be determined b y turning the calculator o ff[...]

  • Page 267

    26 7 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 6 7 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Appendi x G United Kingdom Calculations The calculations fo r most financial proble ms in the United Kingdom are identical to the calculations fo r those problems in the United States — which are des cribed e[...]

  • Page 268

    268 Appendix G: United Kingdom Calculations F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 68 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Annual P ercentage Rate (APR) Calcul ations In the United Kin gdom, the calcul ation of the An nual Perce ntage Ra te of Charge (APR) in accordance with the United Kingdom [...]

  • Page 269

    269 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 6 9 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Function Key Index General ; Power on /off key (page 16) . f Shift key. Selects alternate function in gold above the function keys (page 16) . Also used in display formatting (page 87) . g Shift key. Selects alt[...]

  • Page 270

    270 Function Key Index F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 7 0 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Financial CLEAR G Clea rs contents of financial registers (pag e 42) . × Sets payment mode to Begin for compound interest calculations involving payments (page 46) . Â Sets payment mode to E[...]

  • Page 271

    Function Key Index 271 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 71 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Ö Computes m ean (average) of x-value s and y-value s using accumulated stat istics (page 94) .  Computes w eighted average of y- (item) and x -(weight) values using accumulated stat istics[...]

  • Page 272

    272 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 7 2 of 27 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Programming Key Index s Program/Run. Toggles into and out of P rogram mode. Automatically sets program to line 000 when returning to Run mode (page 86) . N Mem ory map . De scri bes the cur rent all oca tio n of [...]

  • Page 273

    Programming Key Index 273 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 7 3 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Program Mode Run Mode Active Keys: i Go to. Foll owed by a decimal point and a three-digit number, positions calculat or to that line in program memory. No instructions are executed (page 1[...]

  • Page 274

    27 4 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 27 4 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Subject Index A , 13, 6 9 , 2 30 Adding instr ucti ons, 14 0–4 8 Adjusting the Displa y Contr ast , 16 Ad vance pa yme nts, 20 2 , 209 Algebr aic mode , 20, 2 3 7 Amortiz ation, 4 8 , 6 9–71, 251 An n u a l [...]

  • Page 275

    Subject Index 275 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 27 5 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Compo und int er est , 4 9–6 8 , 2 51 Compound inter est calc ulation , 12 Compou nd ing pe riods, 44, 49 Conditional branching , 12 9–30 Conditio nal test instruc tions , 12 9 Constants, arithm[...]

  • Page 276

    276 Subject Index F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 7 6 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm 14 3, 2 30 , 114, 13 9 000, 112–13 I , 13, 41, 4 2 , 42, 23 0 , 13, 7 2 , 7 3, 7 8, 2 4 3 , 101, 2 31 Indicato rs , stat us , 8 7 Instructions i n progr am lines, 108 Interest r ate , annual, 5 5[...]

  • Page 277

    Subject Index 277 F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 27 7 of 2 7 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm , 41, 4 2 , 5 5 P arentheses Calculations, 2 6 , 2 40 P ar tial-year deprec iation , 171 P ayment , 4 5, 209 P aymen t amount , calculating , 5 9 Pa y m e n t m o d e , 46 P ayments, ad vance , 20 2[...]

  • Page 278

    278 Subject Index F ile name: hp 12c pt_user's guide_English_HDPMF12 3E2 7 P age: 2 7 8 of 27 5 Print ed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm X , 40, 4 2 , 6 9 , 8 2 , 90 , 9 4, 9 6 , 12 5, 12 9 , 2 30 , 100, 2 31 , 9 4, 2 30 , 9 7 , 2 30 , 99 , 12 5, 12 9 Y , 13, 8 2 , 8 3 , 9 7 , 2 30 , 10 2 , 2 31 , 2 30 Y ield , 206, 212[...]