Hp 12c platinum financial calculator
Printing History
About This Handbook
Introduction
Introduction
For More Solutions to Financial Problems
Financial Calculations in the United Kingdom
Contents
Section
Contents
Part II Programming 103
Part III Solutions 155
227
Appendix E Formulas Used 250
267
Making Financial Calculations Easy
500.00
48.00
21,396.61
14.00
168.00
10,371.79
11,024.82
42.03
Part Problem Solving
Low-Power Indication
Power On and Off
Adjusting the Display Contrast
Getting Started
Keying in Numbers
Getting Started
Digit Separators
Negative Numbers
7814
Keying in Large Numbers
Backspacing
123.63
63+
KeystrokesDisplay ALG mode
Clear Keys
Keys Clears
Undo Operation
RPN mode ALG mode
RPN and ALG Keys
Example
13.00
Simple Arithmetic Calculations in RPN Mode
Keystrokes RPN mode Display
Simple Arithmetic Calculations in ALG Mode
Keystrokes RPN mode
Chain Calculations in RPN Mode
22.95
35.38
10.14 1053+
42.00
30.00
Parentheses Calculations
Chain Calculations in ALG Mode
Storing and Recalling Numbers
Keystrokes ALG mode 8zgØ5 1gÙ Display
Storage Registers
250.00
Later that same day … Keystrokes Display RPN mode
Keystrokes Display 1250?0
500?2
58.33
Clearing Storage Registers
Storage Register Arithmetic
10.14
13.70
053.00
064.54
Percentage and Calendar Functions
Percentages in RPN Mode
Percentage Functions
300
Percentage and Calendar Functions
Percentages in ALG Mode
21,390.00
860.00
283.40
22,673.40
Percent Difference
Keystrokes ALG mode Display
58.50
53.25
29.69
Percent of Total in RPN Mode
Percent of Total in ALG Mode
Date Format
Calendar Functions
Future or Past Dates
11,09,2004
14.05
11.09
Number of Days Between Dates
498.00
491.00
Financial Registers
Basic Financial Functions
Storing Numbers into the Financial Registers
Displaying Numbers in the Financial Registers
Clearing the Financial Registers
Simple Interest Calculations
Basic Financial Functions
450.00
60.00
455.25
455.18
Financial Calculations and the Cash Flow Diagram
Basic Financial Functions
Cash Flow Sign Convention
Payment Mode
Generalized Cash Flow Diagrams
Basic Financial Functions
Calculating the Number of Payments or Compounding Periods
Compound Interest Calculations
325.00
Sets the payment mode to End
35,000.00 Stores PV
27.33
328.00
181.89
143.11
141.87
327.00
466.87
Recalls payment amount
775.00
GÂ n Keystrokes ALG mode
50.00
Stores FV
29.00
58.00
50.00 977.27
4000
22.73
Keystrokes Display ALG mode 4000
Calculating the Periodic and Annual Interest Rates
10,000.00 Stores FV
Calculating the Present Value
Keystrokes RPN mode Keystrokes ALG mode
9gC 450ÞP 1500+
17,500.00
12.00
540,000.00
369,494.09
243,400.00 Stores PV
60,000.00
200.00
717.44
Calculating the Future Value
5gA
Sets payment mode to End
243400$ 243,400.00 1363.29ÞP -1,363.29
222,975.98 Amount of balloon payment
281.34
24.00
32,000.00
28,346.96
Odd-Period Calculations
Basic Financial Functions
5gC
012004
135.17
Z30+
120.00
950.00
GÒ z30+
§12
Basic Financial Functions
Keystrokes Display FCLEAR G Enters 25 gC 250000 $
Amortization
250,000.00
970.91
498.12
245,029.09
238.26
404.37
093.75
360.00
380.51
Discounted Cash Flow Analysis NPV and IRR
Additional Financial Functions
Calculating Net Present Value NPV
Additional Financial Functions
Negative cash flow
212.18
130,000.00
Year Cash Flow
14,000.00
79,000.00
11,000.00
10,000.00
13.72
Calculating Internal Rate of Return IRR
Reviewing Cash Flow Entries
Changing Cash Flow Entries
100,000.00 500.00 14,000.00 79,000.00
857.21
644.75
Bond Price
Bond Calculations
042018
120.38
Total price, including accrued
Bond Yield
122.13
400.00
Depreciation Calculations
1f#
2f#
3f#
440.00
660.00
Continuous Memory
Additional Operating Features
Status Indicators
Additional Operating Features
Display
Number Display Formats
Scientific Notation Display Format
14.8746 14.9 14.87456320
1487456320
487456
Special Displays
Key in RPN Mode
Arithmetic Calculations With Constants
429,000.00
Recovering From Errors in Digit Entry
Accumulating Statistics
Statistics Functions
Mean
Correcting Accumulated Statistics
Statistics Functions
Register Statistic
40.00
32.00
38.00
35.00
463.00
Standard Deviation
820.59
28,818.93
Linear Estimation
Keystrokes Display 48 gQ
Estimated sales for a 48 hour
Keystrokes ALG mode 0gR 1gR~d-~ Display
Keystrokes RPN mode 0gR Display
001
GR~d~
Weighted Mean
100
Mathematics Number-Alteration Functions
One-Number Functions
3880000000
Mathematics and Number-Alteration Functions
258
Keystrokes To CalculateDisplay ALG mode
Power Function in RPN Mode
Power Function in ALG Mode
Part Programming
Programming Basics
Why Use Programs?
Creating a Program
104
200
Programming Basics
150.00
155.00
001 002 003 004 005 006 007
Running a Program
473.75
625
159
124.25
Identifying Instructions in Program Lines
Program Memory
Nnn,43,33,000
Nnn Nnn, 44
Displaying Program Lines
Instruction Keycode
Pressing gÜdoes the reverse Keystrokes Display RPN mode
Mode and displays current line
Sets calculator to Program
Program memory
Keystrokes Display 008,43,33,000 Program line
Expanding Program Memory
000 Instruction and Program Line
Programming Basics
Executing a Program One Line at a Time
Setting the Calculator to a Particular Program Line
Program line 003
Program line 002
Program line 004 b
Program line 006
Program line 005 +
Interrupting Program Execution
Pausing During Program Execution
68.5
?+1 ?+2 ?+3
Keystrokes RPN mode ?+1 ?+2 ?+3 Keystrokes ALG mode
119
004 005 006
001 002
008
001 002 003 004
950.61
012, 44 40
890.50
60.11
370.52
402.82
Stopping Program Execution
003,44 004 005 006
FCLEAR² 13\68.5 18\72.9 24\85
Fourth item
125
Branching and Looping
Simple Branching
Branching and Looping
Looping
782.47
007,43,33,002
150,000.00
593.75 005
593.75
188.72
188.72 007,43,33,002
190.22
Conditional Branching
592.25
Branching and Looping
Recalls test value into X-register
Stores income into register R9
004,43,33,007
006,43,33,008
008,43,33,010
006,43,33,009
010
20,000.00
15,000.00 004,43,33,007
15,000.00
15,000.00 007
20,000
25,000
20,000.00 007
25,000.00
25,000.00 005
15,000.00 005
15,000
15,000.00 006,43,33,009
15,000.00 009
005, 43 34 Line 005 go 20,000.00
012,43,33,000 Line 012 gi000 000.00
20,000.00 009
Line 009
25.00 010
25,000.00 007
139
Program Editing
Changing the Instruction in a Program Line
Program Editing
Keystrokes RPN mode Keystrokes ALG mode Fs gi.006 Display
Adding Instructions at the End of a Program
012
12,000.00
013
014
Adding Instructions within a Program
Adding Instructions by Replacement
Fs 15000t
Adding Instructions by Branching
016
001,43,33,012
Keystrokes RPN mode Fs gi.000
011,43,33,000
Gi.010
017,43,33,002
012 013
014 015,43,33,000 016
020 021,43,33,000 022
017,43,33,000
018 019
Program Editing
149
Multiple Programs
Storing Another Program
019 020 021 022
018,43,33,000
023 024 025 026
027,43,33,019
033,43,33,025
025 026 027 028
029 030 031 032
032 033 034,43,33,029
028 029 030 031
034 035 036 037
038 039 040,43 33,035
Running Another Program
Page
Part Solutions
156
Real Estate and Lending
Annual Percentage Rate Calculations With Fees
160,000.00
Real Estate and Lending
908.46
156,800.00
156,050.00
159,250.00
Keystrokes Display RPN mode ALG mode FCLEARG
Keystrokes Display RPN mode ALG mode 12§ §12³
Price of a Mortgage Traded at a Discount or Premium
72.00
777.61
137.17
312.00
657.97
300,000.00
Yield of a Mortgage Traded at a Discount or Premium
252.00
210.00
096.57
258,377.24
Rent or Buy Decision
18.00
12.11
008 009 010 011 012 013 014 015 016 017 018 019 020 021
000 001 002 003 004,44 005 006 007
RPN mode
Registers
Real Estate and Lending
700.00
165.00
900.00
270,000.00
Deferred Annuities
Keystrokes Display RPN mode ALG mode Yield
46,048.61
15,218.35
12,831.75
600.00
750.00
Partial-Year Depreciation
Investment Analysis
Straight-Line Depreciation
000 001 002 003 004 005 006 007 008 009 010 011
025,43 026 027 028 029 030 031
012 013 014 015 016 017 018 019 020 021 022 023 024
032,44
033,44
041,43,33
036 037 038 039 040
036,44
037,43,33
Investment Analysis
666.67
125,000.00
123,333.33
118,333.33
504.75
730.00
Declining-Balance Depreciation
000 001 002 003 004 005 006 007 008 009
021,43 022 023 024 025 026 027
010 011 012 013 014 015 016 017 018 019 020
028,44
029,44
034 035 036 037 038 039 040
034 035 036
50,000.00
Sum-of-the-Years-Digits Depreciation
11,458.33
025,43,33
018 019 020 021 022 023 024
026 027 028 029 030 031
035 036 037 038 039 040
042 043 044
25n
Keystrokes Display RPN mode ALG mode FCLEARG 12000$
500M
Full- and Partial-Year Depreciation with Crossover
?-0
008 009 010 011
008 009 010 011 012 013 014
033 034 035 036 037 038 039
032,43,33
040,44
041,44 042
058 059 060 061 062
057,43,33
063,44
064,43,33
085,43,33
080,44 081 082 083 084
086 087 088 089 090 091 092 093
094,43,33
Keystrokes Display RPN mode ALG mode FCLEAR H 11000 $
125.00
375.00
406.25
804.69
10,500.00
Excess Depreciation
312.50
531.25
Modified Internal Rate of Return
200,000.00
Group # of Months Cash Flow $
657,152.37
775,797.83
Black-Scholes Formula for Valuing European Options
Keystrokes Display
Keystrokes Display
071,43,33,077
065 066 067 068 069 070
073,44 074
075,44 076 077 078
092,44 093 094 095
089 090 091
096,44 097 098 099
089,44 090
113 114,44 115 116 117
199
118,43,33
Program Instructions
20.54
52.00
14.22
71.15
20.00
10.00
Advance Payments
Leasing
Solving for Payment
202
11.64
Leasing
64.45
000 001
008 009 010 011 012 013 014 015 016 017 018 019
008 009 010 011 012 013 014 015 016 017
66.86
65.43
57.00
Solving for Yield
23,200.00
600 P
002 003 004 005 006 007 008 009 010 011 012 013 014 015 016
17.33
Annual yield as a
Percentage
017,45,43
Keystrokes ALG mode
19.48
? t
Advance Payments With Residual
018 019 020 021 022 023 024 025 026 027 028 029 030
22,000.00
15.00
487.29
520.81
18.10
710.00
34.00
Savings
Keystrokes Display RPN mode ALG mode FCLEARG 25\ 25z 4nz¼
Nominal Rate Converted to Effective Rate
213
002 003 004 005 006 007 008 009 010
Savings
002 003 004 005 006 007 008
³ÞM¼
Effective Rate Converted to Nominal Rate
Continuous Rate Converted to Effective Rate
Keystrokes Display RPN mode ALG mode FCLEAR G N100 $
105.35
35 +Þ +5.35 ³Þ
30/360 Day Basis Bonds
Bonds
001 002 003 004 005 006 007 008 009 010 011 012 013
217
029 030 031 032 033 034 035 036 037
014 015 016 017 018 019 020 021 022 023 024 025 026 027
038,43,33
014 015 016 017 018 019 020 021 022 023 024 025 026 027 028
Bonds 219
039 040 041 042 043 044 045 046
040,43,33
041 042 043 044 045 046 047 048 049
102.55
104.74
103.41
Annual Coupon Bonds
223
20 ?0
94.75
12.01
Page
Appendices
228
RPN and the Stack
Appendix a RPN and the Stack
Getting Numbers Into the Stack The Key
Termination of Digit Entry
Rearranging Numbers in the Stack
Stack Lift
Key
Mathematics Functions
One-Number Functions and the Stack
Two-Number Functions and the Stack
Percentage Functions
Register
Calendar and Financial Functions
Last X Register and the Key
+ 5 6 +
Arithmetic Calculations with Constants
168,000.00
84,000
336,000.00
672,000.00
237
Algebraic Mode ALG
532.50
Appendix B Algebraic Mode ALG
Keying in Negative Numbers
History Stack in ALG Mode
Key in ALG Mode
400.43 737.07
18.5 §
8zgØ
1250+7b
Percent of Total
Power Function
To Calculate Keystrokes Display ALG mode
243
More About L
Appendix C More About L
245
Error Conditions
Error 0 Mathematics
Error 2 Statistics
Error 1 Storage Register Overflow
Error 3 IRR
Error 4 Memory
OperationCondition
Error 5 Compound Interest
Operation Condition
Error 6 Storage Registers
Error 7 IRR
Pr Error
Error 8 Calendar
Error 9 Service
Percentage
Formulas Used
Interest
Simple Interest
Compound Interest
Appendix E Formulas Used
Calendar
Discounted Cash Flow Analysis
200
Bonds
Depreciation
DPN J
Continuous Compounding
Interest Rate Conversions
Finite Compounding
Statistics
Weighted Mean
Linear Estimation
Standard Deviation
Rent or Buy Decision
Battery
Battery, Warranty, Service Information
Low-Power Indication
259
Installing a New Battery
Appendix F Battery, Warranty, and Service Information
Verifying Proper Operation Self-Tests
Appendix F Battery, Warranty, and Service Information
Warranty
Service
USA
Regulatory Information
Noise Declaration
Temperature Specifications
Canada
Japan
267
United Kingdom Calculations
Mortgages
Appendix G United Kingdom Calculations
Annual Percentage Rate APR Calculations
269
Statistics
Function Key Index
Financial
Mathematics
Modes
Number Alteration
Stack Rearrangement
272
Pressed from Keyboard
Run Mode Active Keys
Programming Key Index
274
Subject Index
Subject Index
Subject Index
Subject Index
Subject Index