Manuale d’uso / di manutenzione del prodotto 12C del fabbricante HP (Hewlett-Packard)
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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.
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.
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.
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.
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 ....
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 .
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 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 .
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 .
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 .
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 .
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.
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.
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.
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.
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.
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.
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 .
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.
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.
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.
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.
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 Whenev.
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.
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.
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.
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.
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 .
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.
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 .
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 .
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 .
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 .
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.
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.
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.
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.
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.
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).
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.
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 .
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.
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.
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).
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 c.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 ).
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.
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.
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.
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.
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.
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 .
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.
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.
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.
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.
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.
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 .
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.
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.
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.
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.
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 ).
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.
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.
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.
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.
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.
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 .
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
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.
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.
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 .
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.
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.
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 yo.
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.
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.
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.
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.
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.
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 .
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.
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.
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.
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.
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.
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.
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.
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.
.
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.
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 C.
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.
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.
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).
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).
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.
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).
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.
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 ?.
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.
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.
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.
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 .
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.
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.
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 .
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.
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.
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 .
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 .
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.
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.
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.
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 .
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.
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.
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.
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 .
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
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 (A.
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.
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 .
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.
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.
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.
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 (A.
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.
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 ).
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 .
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 .
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.
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.
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.
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.
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.
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.
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).
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.
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 (AL.
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.
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.
.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
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.
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.
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.
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( ) Bas.
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 peri.
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.
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.
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).
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 .
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.
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) .
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) .
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) .
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) .
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.
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.
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.
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.
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 ,.
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, .
Un punto importante, dopo l’acquisto del dispositivo (o anche prima di acquisto) è quello di leggere il manuale. Dobbiamo farlo per diversi motivi semplici:
Se non hai ancora comprato il HP (Hewlett-Packard) 12C è un buon momento per familiarizzare con i dati di base del prodotto. Prime consultare le pagine iniziali del manuale d’uso, che si trova al di sopra. Dovresti trovare lì i dati tecnici più importanti del HP (Hewlett-Packard) 12C - in questo modo è possibile verificare se l’apparecchio soddisfa le tue esigenze. Esplorando le pagine segenti del manuali d’uso HP (Hewlett-Packard) 12C imparerai tutte le caratteristiche del prodotto e le informazioni sul suo funzionamento. Le informazioni sul HP (Hewlett-Packard) 12C ti aiuteranno sicuramente a prendere una decisione relativa all’acquisto.
In una situazione in cui hai già il HP (Hewlett-Packard) 12C, ma non hai ancora letto il manuale d’uso, dovresti farlo per le ragioni sopra descritte. Saprai quindi se hai correttamente usato le funzioni disponibili, e se hai commesso errori che possono ridurre la durata di vita del HP (Hewlett-Packard) 12C.
Tuttavia, uno dei ruoli più importanti per l’utente svolti dal manuale d’uso è quello di aiutare a risolvere i problemi con il HP (Hewlett-Packard) 12C. Quasi sempre, ci troverai Troubleshooting, cioè i guasti più frequenti e malfunzionamenti del dispositivo HP (Hewlett-Packard) 12C insieme con le istruzioni su come risolverli. Anche se non si riesci a risolvere il problema, il manuale d’uso ti mostrerà il percorso di ulteriori procedimenti – il contatto con il centro servizio clienti o il servizio più vicino.
