HP 12C Financial 12C manual 24.00, 281.34, 32,000.00, 28,346.96

Page 62

62 Section 3: Basic Financial Functions

Keystrokes

Display

fCLEARG

24.00

2gA

6.25gC

0.52

50ÞP

–50.00

g×

–50.00

 

M

1,281.34

 

Calculates and stores n.

Calculates and stores i.

Stores PMT (with minus sign for cash paid out).

Sets payment mode to Begin.

Balance after 2 years.

Example 3: Property values in an unattractive area are depreciating at the rate of 2% per year. Assuming this trend continues, calculate the value in 6 years of property presently appraised at $32,000.

Keystrokes

Display

fCLEARG

6.00

6n

2Þ¼

–2.00

32000Þ$

–32,000.00

M

28,346.96

 

Stores n.

Stores i (with minus sign for a “negative interest rate”).

Stores PV (with minus sign for cash paid out).

Property value after 6 years.

File name: hp 12c pt_user's guide_English_HDPMF123E27

Page: 62 of 275

Printed Date: 2005/8/1

Dimension: 14.8 cm x 21 cm

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Contents Hp 12c platinum financial calculator Printing History Introduction About This HandbookIntroduction For More Solutions to Financial ProblemsFinancial Calculations in the United Kingdom Contents Contents SectionPart II Programming 103 Part III Solutions 155 227 Appendix E Formulas Used 250 267 Making Financial Calculations Easy 21,396.61 48.00500.00 14.0011,024.82 10,371.79168.00 42.03Part Problem Solving Adjusting the Display Contrast Power On and OffLow-Power Indication Getting StartedDigit Separators Getting StartedKeying in Numbers Negative NumbersBackspacing Keying in Large Numbers7814 123.63Clear Keys KeystrokesDisplay ALG mode63+ Keys ClearsRPN and ALG Keys RPN mode ALG modeUndo Operation Example13.00 Simple Arithmetic Calculations in RPN ModeKeystrokes RPN mode Display Simple Arithmetic Calculations in ALG Mode 22.95 Chain Calculations in RPN ModeKeystrokes RPN mode 35.3810.14 1053+ 30.00 42.00Chain Calculations in ALG Mode Parentheses CalculationsStoring and Recalling Numbers Keystrokes ALG mode 8zgØ5 1gÙ DisplayStorage Registers Keystrokes Display 1250?0 Later that same day … Keystrokes Display RPN mode250.00 500?258.33 Clearing Storage RegistersStorage Register Arithmetic 053.00 13.7010.14 064.54Percentage Functions Percentages in RPN ModePercentage and Calendar Functions 300Percentages in ALG Mode Percentage and Calendar Functions283.40 860.0021,390.00 22,673.4058.50 Keystrokes ALG mode DisplayPercent Difference 53.25Percent of Total in RPN Mode 29.69Percent of Total in ALG Mode Calendar Functions Date FormatFuture or Past Dates 14.05 11,09,2004498.00 Number of Days Between Dates11.09 491.00Storing Numbers into the Financial Registers Basic Financial FunctionsFinancial Registers Displaying Numbers in the Financial RegistersClearing the Financial Registers Simple Interest CalculationsBasic Financial Functions 455.25 60.00450.00 455.18Financial Calculations and the Cash Flow Diagram Basic Financial Functions Payment Mode Cash Flow Sign ConventionGeneralized Cash Flow Diagrams Basic Financial Functions Compound Interest Calculations Calculating the Number of Payments or Compounding Periods325.00 Sets the payment mode to End35,000.00 Stores PV 181.89 328.0027.33 143.11466.87 327.00141.87 Recalls payment amount50.00 GÂ n Keystrokes ALG mode775.00 Stores FV50.00 977.27 58.0029.00 4000Calculating the Periodic and Annual Interest Rates Keystrokes Display ALG mode 400022.73 10,000.00 Stores FVKeystrokes RPN mode Keystrokes ALG mode Calculating the Present Value9gC 450ÞP 1500+ 540,000.00 12.0017,500.00 369,494.09243,400.00 Stores PV 717.44 200.0060,000.00 Calculating the Future Value243400$ 243,400.00 1363.29ÞP -1,363.29 Sets payment mode to End5gA 222,975.98 Amount of balloon payment32,000.00 24.00281.34 28,346.96Odd-Period Calculations Basic Financial Functions 5gC 012004135.17 Z30+ GÒ z30+ 950.00120.00 §12Basic Financial Functions Keystrokes Display FCLEAR G Enters 25 gC 250000 $ Amortization250,000.00 245,029.09 498.12970.91 238.26360.00 093.75404.37 380.51Additional Financial Functions Discounted Cash Flow Analysis NPV and IRRAdditional Financial Functions Calculating Net Present Value NPVNegative cash flow 130,000.00 212.18Year Cash Flow 11,000.00 79,000.0014,000.00 10,000.00Calculating Internal Rate of Return IRR 13.72Reviewing Cash Flow Entries 100,000.00 500.00 14,000.00 79,000.00 Changing Cash Flow Entries644.75 857.21042018 Bond CalculationsBond Price 120.38Total price, including accrued Bond Yield122.13 1f# Depreciation Calculations400.00 2f#3f# 440.00660.00 Additional Operating Features Continuous MemoryDisplay Additional Operating FeaturesStatus Indicators Number Display Formats14.8746 14.9 14.87456320 Scientific Notation Display Format487456 1487456320Key in RPN Mode Special DisplaysArithmetic Calculations With Constants Recovering From Errors in Digit Entry 429,000.00Statistics Functions Accumulating StatisticsStatistics Functions Correcting Accumulated StatisticsMean Register Statistic38.00 32.0040.00 35.00463.00 Standard Deviation820.59 Keystrokes Display 48 gQ Linear Estimation28,818.93 Estimated sales for a 48 hour001 Keystrokes RPN mode 0gR DisplayKeystrokes ALG mode 0gR 1gR~d-~ Display GR~d~Weighted Mean 100 Mathematics Number-Alteration FunctionsOne-Number Functions 3880000000 Mathematics and Number-Alteration Functions258 Keystrokes To CalculateDisplay ALG mode Power Function in RPN ModePower Function in ALG Mode Part Programming Creating a Program Why Use Programs?Programming Basics 104150.00 Programming Basics200 155.00Running a Program 001 002 003 004 005 006 007159 625473.75 124.25Program Memory Identifying Instructions in Program LinesDisplaying Program Lines Nnn Nnn, 44Nnn,43,33,000 Instruction KeycodeSets calculator to Program Mode and displays current linePressing gÜdoes the reverse Keystrokes Display RPN mode Program memoryKeystrokes Display 008,43,33,000 Program line 000 Instruction and Program Line Expanding Program MemoryProgramming Basics Setting the Calculator to a Particular Program Line Executing a Program One Line at a TimeProgram line 004 b Program line 002Program line 003 Program line 006Program line 005 + Pausing During Program Execution Interrupting Program Execution68.5 ?+1 ?+2 ?+3 Keystrokes RPN mode ?+1 ?+2 ?+3 Keystrokes ALG mode119 008 001 002004 005 006 001 002 003 004890.50 012, 44 40950.61 60.11Stopping Program Execution 402.82370.52 003,44 004 005 006FCLEAR² 13\68.5 18\72.9 24\85 Fourth item 125 Branching and LoopingSimple Branching Looping Branching and Looping782.47 007,43,33,002150,000.00 188.72 593.75593.75 005 188.72 007,43,33,002190.22 Conditional Branching592.25 Branching and Looping Recalls test value into X-register Stores income into register R9 004,43,33,007006,43,33,008 010 006,43,33,009008,43,33,010 20,000.0015,000.00 007 15,000.0015,000.00 004,43,33,007 20,00025,000.00 20,000.00 00725,000 25,000.00 00515,000.00 006,43,33,009 15,00015,000.00 005 15,000.00 00920,000.00 009 012,43,33,000 Line 012 gi000 000.00005, 43 34 Line 005 go 20,000.00 Line 00925,000.00 007 25.00 010139 Program EditingChanging the Instruction in a Program Line Program Editing Keystrokes RPN mode Keystrokes ALG mode Fs gi.006 DisplayAdding Instructions at the End of a Program 013 12,000.00012 014Adding Instructions by Replacement Adding Instructions within a ProgramFs 15000t 016 Adding Instructions by Branching011,43,33,000 Keystrokes RPN mode Fs gi.000001,43,33,012 Gi.010017,43,33,002 012 013014 015,43,33,000 016 020 021,43,33,000 022 017,43,33,000018 019 Program Editing 149 Multiple ProgramsStoring Another Program 023 024 025 026 018,43,33,000019 020 021 022 027,43,33,019033,43,33,025 025 026 027 028029 030 031 032 034 035 036 037 028 029 030 031032 033 034,43,33,029 038 039 040,43 33,035Running Another Program Page Part Solutions 156 Real Estate and LendingAnnual Percentage Rate Calculations With Fees 908.46 Real Estate and Lending160,000.00 156,800.00159,250.00 156,050.00Price of a Mortgage Traded at a Discount or Premium Keystrokes Display RPN mode ALG mode 12§ §12³Keystrokes Display RPN mode ALG mode FCLEARG 72.00312.00 137.17777.61 657.97300,000.00 Yield of a Mortgage Traded at a Discount or Premium252.00 096.57 210.0018.00 Rent or Buy Decision258,377.24 12.11000 001 002 003 004,44 005 006 007 008 009 010 011 012 013 014 015 016 017 018 019 020 021RPN mode Registers Real Estate and Lending 900.00 165.00700.00 270,000.0046,048.61 Keystrokes Display RPN mode ALG mode YieldDeferred Annuities 15,218.3512,831.75 600.00750.00 Straight-Line Depreciation Investment AnalysisPartial-Year Depreciation 000 001 002 003 004 005 006 007 008 009 010 011032,44 012 013 014 015 016 017 018 019 020 021 022 023 024025,43 026 027 028 029 030 031 033,44036,44 036 037 038 039 040041,43,33 037,43,33Investment Analysis 123,333.33 125,000.00666.67 118,333.33Declining-Balance Depreciation 730.00504.75 000 001 002 003 004 005 006 007 008 009028,44 010 011 012 013 014 015 016 017 018 019 020021,43 022 023 024 025 026 027 029,44034 035 036 034 035 036 037 038 039 04050,000.00 11,458.33 Sum-of-the-Years-Digits Depreciation026 027 028 029 030 031 018 019 020 021 022 023 024025,43,33 035 036 037 038 039 040042 043 044 25n Keystrokes Display RPN mode ALG mode FCLEARG 12000$500M Full- and Partial-Year Depreciation with Crossover ?-0 008 009 010 011008 009 010 011 012 013 014 040,44 032,43,33033 034 035 036 037 038 039 041,44 042063,44 057,43,33058 059 060 061 062 064,43,33086 087 088 089 090 091 092 093 080,44 081 082 083 084085,43,33 094,43,33Keystrokes Display RPN mode ALG mode FCLEAR H 11000 $ 406.25 375.00125.00 804.69312.50 Excess Depreciation10,500.00 531.25Modified Internal Rate of Return 657,152.37 Group # of Months Cash Flow $200,000.00 775,797.83Black-Scholes Formula for Valuing European Options Keystrokes Display Keystrokes Display 073,44 074 065 066 067 068 069 070071,43,33,077 075,44 076 077 078096,44 097 098 099 089 090 091092,44 093 094 095 089,44 090118,43,33 199113 114,44 115 116 117 Program Instructions14.22 52.0020.54 71.1510.00 20.00Solving for Payment LeasingAdvance Payments 20264.45 Leasing11.64 000 001008 009 010 011 012 013 014 015 016 017 008 009 010 011 012 013 014 015 016 017 018 01965.43 66.8623,200.00 Solving for Yield57.00 600 PAnnual yield as a 17.33002 003 004 005 006 007 008 009 010 011 012 013 014 015 016 Percentage19.48 Keystrokes ALG mode017,45,43 ? tAdvance Payments With Residual 018 019 020 021 022 023 024 025 026 027 028 029 030 487.29 15.0022,000.00 520.8118.10 710.0034.00 Nominal Rate Converted to Effective Rate Keystrokes Display RPN mode ALG mode FCLEARG 25\ 25z 4nz¼Savings 213002 003 004 005 006 007 008 009 010 Savings002 003 004 005 006 007 008 Effective Rate Converted to Nominal Rate ³ÞM¼105.35 Keystrokes Display RPN mode ALG mode FCLEAR G N100 $Continuous Rate Converted to Effective Rate 35 +Þ +5.35 ³Þ001 002 003 004 005 006 007 008 009 010 011 012 013 Bonds30/360 Day Basis Bonds 217038,43,33 014 015 016 017 018 019 020 021 022 023 024 025 026 027029 030 031 032 033 034 035 036 037 014 015 016 017 018 019 020 021 022 023 024 025 026 027 028040,43,33 039 040 041 042 043 044 045 046Bonds 219 041 042 043 044 045 046 047 048 049102.55 103.41 104.74Annual Coupon Bonds 223 20 ?0 12.01 94.75Page Appendices RPN and the Stack 228Getting Numbers Into the Stack The Key Appendix a RPN and the StackStack Lift Rearranging Numbers in the StackTermination of Digit Entry KeyMathematics Functions One-Number Functions and the StackTwo-Number Functions and the Stack Percentage Functions Calendar and Financial Functions RegisterLast X Register and the Key Arithmetic Calculations with Constants + 5 6 +336,000.00 84,000168,000.00 672,000.00Algebraic Mode ALG 237532.50 Appendix B Algebraic Mode ALGKeying in Negative Numbers 400.43 737.07 Key in ALG ModeHistory Stack in ALG Mode 18.5 §8zgØ 1250+7b Percent of Total Power FunctionTo Calculate Keystrokes Display ALG mode More About L 243Appendix C More About L 245 Error ConditionsError 0 Mathematics Error 3 IRR Error 1 Storage Register OverflowError 2 Statistics Error 4 MemoryError 5 Compound Interest OperationConditionOperation Condition Error 6 Storage RegistersError 7 IRR Pr Error Error 8 CalendarError 9 Service Interest Formulas UsedPercentage Simple InterestAppendix E Formulas Used Compound InterestDiscounted Cash Flow Analysis CalendarBonds 200Depreciation DPN J Continuous Compounding Interest Rate ConversionsFinite Compounding Linear Estimation Weighted MeanStatistics Standard DeviationRent or Buy Decision Low-Power Indication Battery, Warranty, Service InformationBattery 259Appendix F Battery, Warranty, and Service Information Installing a New BatteryVerifying Proper Operation Self-Tests Appendix F Battery, Warranty, and Service Information Warranty Service Regulatory Information USACanada Temperature SpecificationsNoise Declaration Japan267 United Kingdom CalculationsMortgages Annual Percentage Rate APR Calculations Appendix G United Kingdom Calculations269 Statistics Function Key IndexFinancial Number Alteration ModesMathematics Stack Rearrangement272 Pressed from Keyboard Run Mode Active KeysProgramming Key Index Subject Index 274Subject Index Subject Index Subject Index Subject Index
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