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HP
12C
manual
115
Models:
12C
1
116
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Standard Error of the Mean
Power Curve Fit
Page 116
Image 116
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04- 20
05- 3
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Contents
Page
Introduction
Real Estate
Refinancing
Wrap-Around Mortgage
PMT
Rate of return to lender
Cash flow occurs 39 times
Final cash flow
Number of periods and monthly
Derivation of these cash flows follows a set sequence
Income Property Cash Flow Analysis
Before-Tax Cash Flows
Derivation of these reversions are as follows
Vacancy Loss
Before-Tax Reversions Resale Proceeds
After-Tax Cash Flows
Keystrokes Display
30-43 33-44 35-43 40-44 42-45 48-44 53-44
Registers
3291.75
ATCF1
After-Tax Net Cash Proceeds of Resale
18-44
33-44 39-44 48-43
Key in the number of years after purchase and press
Atncpr
Loan Reduction Schedule
Lending
Loan With a Constant Amount Paid Towards Principal
Add-On Interest Rate Converted to APR
APR Converted to Add-On Interest Rate
Add-On Rate Loan with Credit Life
Page
53-43 77-45 78-43
Credit life
PMT PMT
Interest Rebate Rule of 78s
26-43
Graduated Payment Mortgages
Keystrokes Display
34-44 38-43 39-43
68-44 69-44 72-43 73-43 77-43
Keystrokes Display
Variable Rate Mortgages
Keystrokes Display
Skipped Payments
Group of payments is skipped
Savings
Initial Deposit with Periodic Deposits
Periodic Deposits and Withdrawals
Cash flow diagram looks like this
FV = ?
Savings Account Compounded Daily
PV =
Keystrokes Display
27-44 37-43
Compounding Periods Different From Payment Periods
Clear
519.61 Future value
Investment Analysis
Lease vs. Purchase
16-44 18-44 27-44 30-45 32-45 34-45
Instructions
Year Maintenance Lease Payment Tax Credit Buy Back
200 1700 1000 1500 300 750
Break-Even Analysis
To calculate the gross profit at a given volume
Profit
Find the gross profit if 2500 units are sold
04-43 09-43 15-43
23-43
Operating Leverage
Gross Profit
10-43
Profit and Loss Analysis
11-43
28-43 37-43 42-43 47-43
Page
100.00 48% tax rate
Manufacturing cost $
Securities
After-Tax Yield
Purchase price
Discounted Notes
30-43
Settl. date
Maturity dtae
Forecasting
Simple Moving Average
Keystrokes Display
26-45 29-45 30-44 32-45 33-44
Unused PV Unused PMT Unused FV Unused R .4 Unused
12-43
Seasonal Variation Factors Based on Centered Moving Averages
25-43
Sales in $K Quarterly 1st 2nd 3rd 4th
98.86 99.95 99.41 1st quarter average seasonal Variation, %
02-2
28-45 31-45 32-44 34-45 35-44 37-45 38-44
Gompertz Curve Trend Analysis
02-44 05-44 08-44 10-44 12-43
Page
71-43
Year
Forecasting with Exponential Smoothing
III
07-44
Page
Selecting the best smoothing constant α
Forecasting
22.00 23.00 23.25 25.25 23.69 27.13 25.95
Procedure is repeated for several αs
Pricing Calculations
Markup and Margin Calculations
02-43 14-43
Calculations of List and Net prices With Discounts
100 10.51 3rd discount rate %
05-44 06-43 16-43
Page
Exponential Curve Fit
Statistics
Curve Fitting
100
101
102
Logarithmic Curve Fit
104
Power Curve Fit
Standard Error of the Mean
Formula that best expresses h as a function of t is
Mean, Standard Deviation, Standard Error for Grouped Data
Use the following HP-12C program for the previous example
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109
Chi-Square Statistics
111
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Normal Distribution
114
Relative error less than 0.042% over the range 0 x
Reference
115
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Covariance
Example Find Qx for x = 1.18 and x =
Try the previous example using the following HP-12C program
118
Permutation
120
Combination
121
Random Number Generator
122
Example Generate a sequence of 5 random numbers
123
124
Personal Finance
Homeowners Monthly Payment Estimator
Following HP-12C program may be used instead of the above
125
126
Example Solve the previous example using the HP-12C program
What if the down payment is increased to 20%?
Tax-Free Individual Retirement IRA of Keogh Plan
127
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129
Stock Portfolio Evaluation and Analysis
131
132
133
Example Evaluate the following portfolio
134
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136
Canadian Mortgages
Periodic Payment Amount
Number of Periodic Payments to Fully Amortize a Mortgage
Effective Interest Rate Yield
Balance Remaining at End of Specified Period
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139
Miscellaneous
Learning Curve for Manufacturing Costs
140
141
142
Queuing and Waiting Theory
143
Intensity factor
145
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148
149
Appendix
Real Estate
Wrap-Around Mortgage
150
Lending
Loans with a constant amount paid towards Principal
Add-On Interest Rate to APR
Add-On to APR with Credit Life
Savings
Rule of 78s Rebate
Skipped Payments
152
Investment Analysis
Compounding Periods Different From Payment Periods
Lease vs. Purchase
Break-Even Analysis and Operating Leverage
Securities
Forecasting
Profit and Loss Analysis
Discounted Notes Price given discount rate
155
Simple Moving Average
Gompertz Curve Trend Analysis
Forecasting With Exponential Smoothing
156
Pricing Calculations
Forecast of next period expected usage
Markup and Margin Calculations
157
158
159
Statistics
Calculations of List and Net Prices with Discounts
160
Personal Finance
Tax-Free Retirement Account IRA or Keogh Plan
For ordinary taxable investment
For tax-free investment
Canadian Mortgages
Miscellaneous
Portfolio beta coefficient
Learning Curve for Manufacturing Cost
163
Queuing and Waiting Theory
Graduated Payment Mortgage
164
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