Introduction

About This Handbook

This hp 12c user's guide is intended to help you get the most out of your investment in your hp 12c Programmable Financial Calculator. Although the excitement of acquiring this powerful financial tool may prompt you to set this handbook aside and immediately begin “pressing buttons,” in the long run you’ll profit by reading through this handbook and working through the examples it contains.

Following this introduction is a brief section called Making Financial Calculations Easy—which shows you that your hp 12c does just that! The remainder of this handbook is organized basically into three parts:

zPart I (sections 1 through 7) describes how to use the various financial, mathematics, statistics, and other functions (except for programming) provided in the calculator:

z Section 1 is about Getting Started. It tells you how to use the keyboard, how to do simple arithmetic calculations and chain calculations, and how to use the storage registers (“memories”).

z Section 2 tells you how to use the percentage and calendar functions.

z Section 3 tells you how to use the simple interest, compound interest, and amortization functions.

z Section 4 tells you how to do discounted cash flow analysis, bond, and depreciation calculations.

z Section 5 tells you about miscellaneous operating features such as Continuous Memory, the display, and special function keys.

z Sections 6 and 7 tell you how to use the statistics, mathematics, and number-alteration functions.

zPart II (sections 8 through 11) describe how to use the powerful programming capabilities of the hp 12c.

zPart III (sections 12 through 16) give you step-by-step solutions to specialized problems in real estate, lending, savings, investment analysis, and bonds. Some of these solutions can be done manually, while others involve running a program. Since the programmed solutions are both self-contained and step-by-step, you can easily employ them even if you don’t care to learn how to create your own programs. But if you do start to create your own programs, look over the programs used in the solutions: they contain examples of good programming techniques and practices.

 

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File name: hp 12c_user's guide_English_HDPMBF12E44

Page: 3 of 209

Printed Date: 2005/7/29

Dimension: 14.8 cm x 21 cm