HP 12C Financial 12C manual 14.05, 11,09,2004

Page 39

Section 2: Percentage and Calendar Functions

39

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-year format.

Keystrokes

Display

 

gÔ

7.04

Sets date format to

 

 

day-month-year. (Display shown

 

 

assumes date remains from

 

 

preceding example. The full date

 

 

is not now displayed because the

 

 

display format is set to show only

 

 

two decimal places, as described

 

 

in Section 5.)

14.052004\

14.05

Keys in the date and separates it

 

 

from the number of days to be

 

 

entered.

120gD

11,09,2004 6

The expiration date is 11

 

 

September 2004, a Saturday.

When gD is executed as an instruction in a running program, the calculator pauses for about 1 second to display the result, then resumes program execution.

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Printed Date: 2005/8/1

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Contents Hp 12c platinum financial calculator Printing History About This Handbook IntroductionFor More Solutions to Financial Problems Financial Calculations in the United KingdomIntroduction Contents Section ContentsPart II Programming 103 Part III Solutions 155 227 Appendix E Formulas Used 250 267 Making Financial Calculations Easy 14.00 48.00500.00 21,396.6142.03 10,371.79168.00 11,024.82Part Problem Solving Getting Started Power On and OffLow-Power Indication Adjusting the Display ContrastNegative Numbers Getting StartedKeying in Numbers Digit Separators123.63 Keying in Large Numbers7814 BackspacingKeys Clears KeystrokesDisplay ALG mode63+ Clear KeysExample RPN mode ALG modeUndo Operation RPN and ALG KeysSimple Arithmetic Calculations in RPN Mode Keystrokes RPN mode Display13.00 Simple Arithmetic Calculations in ALG Mode 35.38 Chain Calculations in RPN ModeKeystrokes RPN mode 22.9510.14 1053+ 42.00 30.00Parentheses Calculations Chain Calculations in ALG ModeKeystrokes ALG mode 8zgØ5 1gÙ Display Storage RegistersStoring and Recalling Numbers 500?2 Later that same day … Keystrokes Display RPN mode250.00 Keystrokes Display 1250?0Clearing Storage Registers Storage Register Arithmetic58.33 064.54 13.7010.14 053.00300 Percentages in RPN ModePercentage and Calendar Functions Percentage FunctionsPercentage and Calendar Functions Percentages in ALG Mode22,673.40 860.0021,390.00 283.4053.25 Keystrokes ALG mode DisplayPercent Difference 58.5029.69 Percent of Total in RPN ModePercent of Total in ALG Mode Date Format Calendar FunctionsFuture or Past Dates 11,09,2004 14.05491.00 Number of Days Between Dates11.09 498.00Displaying Numbers in the Financial Registers Basic Financial FunctionsFinancial Registers Storing Numbers into the Financial RegistersSimple Interest Calculations Basic Financial FunctionsClearing the Financial Registers 455.18 60.00450.00 455.25Financial Calculations and the Cash Flow Diagram Basic Financial Functions Cash Flow Sign Convention Payment ModeGeneralized Cash Flow Diagrams Basic Financial Functions Calculating the Number of Payments or Compounding Periods Compound Interest CalculationsSets the payment mode to End 35,000.00 Stores PV325.00 143.11 328.0027.33 181.89Recalls payment amount 327.00141.87 466.87Stores FV GÂ n Keystrokes ALG mode775.00 50.004000 58.0029.00 50.00 977.2710,000.00 Stores FV Keystrokes Display ALG mode 400022.73 Calculating the Periodic and Annual Interest RatesCalculating the Present Value Keystrokes RPN mode Keystrokes ALG mode9gC 450ÞP 1500+ 369,494.09 12.0017,500.00 540,000.00243,400.00 Stores PV Calculating the Future Value 200.0060,000.00 717.44222,975.98 Amount of balloon payment Sets payment mode to End5gA 243400$ 243,400.00 1363.29ÞP -1,363.2928,346.96 24.00281.34 32,000.00Odd-Period Calculations Basic Financial Functions 012004 135.175gC Z30+ §12 950.00120.00 GÒ z30+Basic Financial Functions Amortization 250,000.00Keystrokes Display FCLEAR G Enters 25 gC 250000 $ 238.26 498.12970.91 245,029.09380.51 093.75404.37 360.00Discounted Cash Flow Analysis NPV and IRR Additional Financial FunctionsCalculating Net Present Value NPV Additional Financial FunctionsNegative cash flow 212.18 130,000.00Year Cash Flow 10,000.00 79,000.0014,000.00 11,000.0013.72 Calculating Internal Rate of Return IRRReviewing Cash Flow Entries Changing Cash Flow Entries 100,000.00 500.00 14,000.00 79,000.00857.21 644.75120.38 Bond CalculationsBond Price 042018Bond Yield 122.13Total price, including accrued 2f# Depreciation Calculations400.00 1f#440.00 660.003f# Continuous Memory Additional Operating FeaturesNumber Display Formats Additional Operating FeaturesStatus Indicators DisplayScientific Notation Display Format 14.8746 14.9 14.874563201487456320 487456Special Displays Key in RPN ModeArithmetic Calculations With Constants 429,000.00 Recovering From Errors in Digit EntryAccumulating Statistics Statistics FunctionsRegister Statistic Correcting Accumulated StatisticsMean Statistics Functions35.00 32.0040.00 38.00Standard Deviation 820.59463.00 Estimated sales for a 48 hour Linear Estimation28,818.93 Keystrokes Display 48 gQGR~d~ Keystrokes RPN mode 0gR DisplayKeystrokes ALG mode 0gR 1gR~d-~ Display 001Weighted Mean Mathematics Number-Alteration Functions One-Number Functions100 Mathematics and Number-Alteration Functions 2583880000000 Power Function in RPN Mode Power Function in ALG ModeKeystrokes To CalculateDisplay ALG mode Part Programming 104 Why Use Programs?Programming Basics Creating a Program155.00 Programming Basics200 150.00001 002 003 004 005 006 007 Running a Program124.25 625473.75 159Identifying Instructions in Program Lines Program MemoryInstruction Keycode Nnn Nnn, 44Nnn,43,33,000 Displaying Program LinesProgram memory Mode and displays current linePressing gÜdoes the reverse Keystrokes Display RPN mode Sets calculator to ProgramKeystrokes Display 008,43,33,000 Program line Expanding Program Memory 000 Instruction and Program LineProgramming Basics Executing a Program One Line at a Time Setting the Calculator to a Particular Program LineProgram line 006 Program line 002Program line 003 Program line 004 bProgram line 005 + Interrupting Program Execution Pausing During Program Execution68.5 Keystrokes RPN mode ?+1 ?+2 ?+3 Keystrokes ALG mode 119?+1 ?+2 ?+3 001 002 003 004 001 002004 005 006 00860.11 012, 44 40950.61 890.50003,44 004 005 006 402.82370.52 Stopping Program ExecutionFCLEAR² 13\68.5 18\72.9 24\85 Fourth item Branching and Looping Simple Branching125 Branching and Looping Looping007,43,33,002 150,000.00782.47 188.72 007,43,33,002 593.75593.75 005 188.72Conditional Branching 592.25190.22 Branching and Looping Recalls test value into X-register 004,43,33,007 006,43,33,008Stores income into register R9 20,000.00 006,43,33,009008,43,33,010 01020,000 15,000.0015,000.00 004,43,33,007 15,000.00 00725,000.00 005 20,000.00 00725,000 25,000.0015,000.00 009 15,00015,000.00 005 15,000.00 006,43,33,009Line 009 012,43,33,000 Line 012 gi000 000.00005, 43 34 Line 005 go 20,000.00 20,000.00 00925.00 010 25,000.00 007Program Editing Changing the Instruction in a Program Line139 Keystrokes RPN mode Keystrokes ALG mode Fs gi.006 Display Adding Instructions at the End of a ProgramProgram Editing 014 12,000.00012 013Adding Instructions within a Program Adding Instructions by ReplacementFs 15000t Adding Instructions by Branching 016Gi.010 Keystrokes RPN mode Fs gi.000001,43,33,012 011,43,33,000012 013 014 015,43,33,000 016017,43,33,002 017,43,33,000 018 019020 021,43,33,000 022 Program Editing Multiple Programs Storing Another Program149 027,43,33,019 018,43,33,000019 020 021 022 023 024 025 026025 026 027 028 029 030 031 032033,43,33,025 038 039 040,43 33,035 028 029 030 031032 033 034,43,33,029 034 035 036 037Running Another Program Page Part Solutions Real Estate and Lending Annual Percentage Rate Calculations With Fees156 156,800.00 Real Estate and Lending160,000.00 908.46156,050.00 159,250.0072.00 Keystrokes Display RPN mode ALG mode 12§ §12³Keystrokes Display RPN mode ALG mode FCLEARG Price of a Mortgage Traded at a Discount or Premium657.97 137.17777.61 312.00Yield of a Mortgage Traded at a Discount or Premium 252.00300,000.00 210.00 096.5712.11 Rent or Buy Decision258,377.24 18.00008 009 010 011 012 013 014 015 016 017 018 019 020 021 000 001 002 003 004,44 005 006 007RPN mode Registers Real Estate and Lending 270,000.00 165.00700.00 900.0015,218.35 Keystrokes Display RPN mode ALG mode YieldDeferred Annuities 46,048.61600.00 750.0012,831.75 000 001 002 003 004 005 006 007 008 009 010 011 Investment AnalysisPartial-Year Depreciation Straight-Line Depreciation033,44 012 013 014 015 016 017 018 019 020 021 022 023 024025,43 026 027 028 029 030 031 032,44037,43,33 036 037 038 039 040041,43,33 036,44Investment Analysis 118,333.33 125,000.00666.67 123,333.33000 001 002 003 004 005 006 007 008 009 730.00504.75 Declining-Balance Depreciation029,44 010 011 012 013 014 015 016 017 018 019 020021,43 022 023 024 025 026 027 028,44034 035 036 037 038 039 040 034 035 03650,000.00 Sum-of-the-Years-Digits Depreciation 11,458.33035 036 037 038 039 040 018 019 020 021 022 023 024025,43,33 026 027 028 029 030 031042 043 044 Keystrokes Display RPN mode ALG mode FCLEARG 12000$ 500M25n Full- and Partial-Year Depreciation with Crossover 008 009 010 011 008 009 010 011 012 013 014?-0 041,44 042 032,43,33033 034 035 036 037 038 039 040,44064,43,33 057,43,33058 059 060 061 062 063,44094,43,33 080,44 081 082 083 084085,43,33 086 087 088 089 090 091 092 093Keystrokes Display RPN mode ALG mode FCLEAR H 11000 $ 804.69 375.00125.00 406.25531.25 Excess Depreciation10,500.00 312.50Modified Internal Rate of Return 775,797.83 Group # of Months Cash Flow $200,000.00 657,152.37Black-Scholes Formula for Valuing European Options Keystrokes Display Keystrokes Display 075,44 076 077 078 065 066 067 068 069 070071,43,33,077 073,44 074089,44 090 089 090 091092,44 093 094 095 096,44 097 098 099Program Instructions 199113 114,44 115 116 117 118,43,3371.15 52.0020.54 14.2220.00 10.00202 LeasingAdvance Payments Solving for Payment000 001 Leasing11.64 64.45008 009 010 011 012 013 014 015 016 017 018 019 008 009 010 011 012 013 014 015 016 01766.86 65.43600 P Solving for Yield57.00 23,200.00Percentage 17.33002 003 004 005 006 007 008 009 010 011 012 013 014 015 016 Annual yield as a? t Keystrokes ALG mode017,45,43 19.48Advance Payments With Residual 018 019 020 021 022 023 024 025 026 027 028 029 030 520.81 15.0022,000.00 487.29710.00 34.0018.10 213 Keystrokes Display RPN mode ALG mode FCLEARG 25\ 25z 4nz¼Savings Nominal Rate Converted to Effective RateSavings 002 003 004 005 006 007 008002 003 004 005 006 007 008 009 010 ³ÞM¼ Effective Rate Converted to Nominal Rate35 +Þ +5.35 ³Þ Keystrokes Display RPN mode ALG mode FCLEAR G N100 $Continuous Rate Converted to Effective Rate 105.35217 Bonds30/360 Day Basis Bonds 001 002 003 004 005 006 007 008 009 010 011 012 013014 015 016 017 018 019 020 021 022 023 024 025 026 027 028 014 015 016 017 018 019 020 021 022 023 024 025 026 027029 030 031 032 033 034 035 036 037 038,43,33041 042 043 044 045 046 047 048 049 039 040 041 042 043 044 045 046Bonds 219 040,43,33102.55 104.74 103.41Annual Coupon Bonds 223 20 ?0 94.75 12.01Page Appendices 228 RPN and the StackAppendix a RPN and the Stack Getting Numbers Into the Stack The KeyKey Rearranging Numbers in the StackTermination of Digit Entry Stack LiftOne-Number Functions and the Stack Two-Number Functions and the StackMathematics Functions Percentage Functions Register Calendar and Financial FunctionsLast X Register and the Key + 5 6 + Arithmetic Calculations with Constants672,000.00 84,000168,000.00 336,000.00237 Algebraic Mode ALGAppendix B Algebraic Mode ALG Keying in Negative Numbers532.50 18.5 § Key in ALG ModeHistory Stack in ALG Mode 400.43 737.078zgØ 1250+7b Power Function To Calculate Keystrokes Display ALG modePercent of Total 243 More About LAppendix C More About L Error Conditions Error 0 Mathematics245 Error 4 Memory Error 1 Storage Register OverflowError 2 Statistics Error 3 IRROperationCondition Error 5 Compound InterestError 6 Storage Registers Error 7 IRROperation Condition Error 8 Calendar Error 9 ServicePr Error Simple Interest Formulas UsedPercentage InterestCompound Interest Appendix E Formulas UsedCalendar Discounted Cash Flow Analysis200 BondsDepreciation DPN J Interest Rate Conversions Finite CompoundingContinuous Compounding Standard Deviation Weighted MeanStatistics Linear EstimationRent or Buy Decision 259 Battery, Warranty, Service InformationBattery Low-Power IndicationInstalling a New Battery Appendix F Battery, Warranty, and Service InformationVerifying Proper Operation Self-Tests Appendix F Battery, Warranty, and Service Information Warranty Service USA Regulatory InformationJapan Temperature SpecificationsNoise Declaration CanadaUnited Kingdom Calculations Mortgages267 Appendix G United Kingdom Calculations Annual Percentage Rate APR Calculations269 Function Key Index FinancialStatistics Stack Rearrangement ModesMathematics Number Alteration272 Run Mode Active Keys Programming Key IndexPressed from Keyboard 274 Subject IndexSubject Index Subject Index Subject Index Subject Index
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