HP 12C Financial 12C manuals
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HP 12C Financial 12C Manual
278 pages 2.11 Mb
1 EditionHP part number F2232-90001 2 Notice3 Introduction5 ContentsPart I: Problem Solving 6Contents 6 Section 3:Basic Financial Functions Section 4:Additional Financial Functions Section 5:Additional Operating Features 7 Part II: Programming8 Part III: Solutions9 Section 15: SavingsNominal Rate Converted to Effective Rate Effective Rate Converted to Nominal Rate Continuous Rate Converted to Effective Rate Appendices Appendix A: RPN and the StackGetting Numbers Into the Stack: The Key The LAST X Register and the Appendix B: Algebraic Mode (ALG) Keying in Negative Numbers Appendix C: More About L Page: 9 of 10 Contents 10 Appendix E: Formulas UsedAppendix F: Battery, Warranty, and Service Information Appendix G: United Kingdom Calculations 11 Function Key IndexProgramming Key Index Subject Index12 Example 1:zn: the number of compounding periods zi: the interest rate per compounding period zPV: the present value of a compounded amount zPMT: the periodic payment amount zFV: the future value of a compounded amount. In this particular example: zn is 4 years × 12 periods per year = 48 periods zi is 6% per year ÷ 12 periods per year = 0.5% per period zPMT is $500 Keystrokes Page: 12 of 13 Making Financial Calculations EasyNote: running Display fCLEARHf2 Clears previous data inside the calculator and sets display to show two decimal places 4gA Calculates and stores the number of compounding periods 6gC Calculates and stores the periodic interest rate 500P Stores periodic payment amount Sets payment mode to Begin -21,396.61 Amount required to be deposited Example 2: In this example, we need to calculate FV, the future value fCLEARG Clears previous financial data inside the calculator 14n Stores the number of compounding periods 5.35¼ Stores the periodic interest rate 5000Þ$ -5,000.00 Stores the present value of the policy Page: 13 of 14 14 Making Financial Calculations Easy10,371.79 Example 3: Keystrokes Display 11,024.82 –42.03 Example 4: KeystrokesDisplay –45.00 :gC 15 PartProblem Solving 16 Getting Started31 Percentage and CalendarFunctions32 32 Section 2: Percentage and Calendar FunctionsPercentages in ALG Mode 33 Section 2: Percentage and Calendar FunctionsNet Amount in RPN Mode 23,250.00 1,860.00 21,390.00 1,283.40 22,673.40 Net Amount in ALG Mode 1,337.50 34 34 Section 2: Percentage and Calendar FunctionsPercent Difference –8.97 35 Percent of Total in RPN Mode36 36 Section 2: Percentage and Calendar FunctionsPercent of Total in ALG Mode 37 Calendar FunctionsDate Format Month-Day-Year 38 38 Section 2: Percentage and Calendar FunctionsFor example, to key in April 7, 2004: Day-Month-Year 1.Key in the one or two digits of the day 3.Key in the two digits of the month For example, to key in 7 April, 2004: D.MY Future or Past Dates To determine the date and day that is a given number of days from a given date: 1.Key in the given date and press 2.Key in the number of days 3.If the other date is in the past, press Þ 4.Press gD Page: 38 of 39 11,09,200440 40 Section 2: Percentage and Calendar FunctionsNumber of Days Between Dates 41 Basic Financial Functions42 Section 3: Basic Financial Functions Clearing the Financial Registers 42 Simple Interest Calculations1.Key in or calculate the number of days, then press n 2.Key in the annual interest rate, then press ¼ 3.Key in the principal amount, then press Þ$ 4.Press fÏ to calculate and display the interest accrued on a 360-daybasis 5.If you want to display the interest accrued on a 365-daybasis, press d In RPN mode, press The quantities n, i, and PV can be entered in any order Page: 42 of 43 Section 3: Basic Financial Functions–450.00 fÏd 44 Section 3: Basic Financial Functions 44 Financial Calculations and the Cash Flow Diagram49 Compound Interest CalculationsSpecifying the Number of Compounding Periods and the Periodic Interest Rate Calculating the Number of Payments or Compounding Periods 50 50 Section 3: Basic Financial Functionstotal n equal fCLEARG 10.5gC 35000$ 325ÞP 0.88Calculates and stores 35,000.00 Stores PV Stores PV –325.00 Stores PMT (with minus sign for cash paid out) Sets the payment mode to End Page: 50 of 51 Number of payments required12z Twenty-sevenyears and four months z12} Twenty-sevenyears and four months full 328n Stores total number of payments Calculates FV — which equals the overpayment if 328 full payments were made Recalls payment amount –143.11 Final, fractional payment Page: 51 of 52 52 Section 3: Basic Financial Functions+:P –141.87 –466.87 53 g n–775.00 –50.00 4,000.00 4,000.00 Stores FV 54 54 Section 3: Basic Financial Functionsz2} 4,027.27 Calculates FV – which equals the balance in the account if 58 full deposits were made 3,977.27 Recalls amount of deposits 4000- –22.73 Calculates final, fractional, 58th deposit required to reach $4,000 Page: 54 of 55 –22.73Calculating the Periodic and Annual Interest Rates 8\4§w –6,000.00 10,000.00 Stores FV 56 56 Section 3: Basic Financial Functions§4} Calculating the Present Value 57 19,198.6020,698.60 58 58 Section 3: Basic Financial Functions17,500.00 540,000.00 –369,494.09 Calculating the Payment Amount 59 243,400.00 Stores PV243,400.00 –1,363.29 60 60 Section 3: Basic Financial Functions–3,200.00 60,000.00 –717.44 Calculating the Future Value 61 5gA243400$ 243,400.00 1363.29ÞP –1,363.29 –222,975.98 62 62 Section 3: Basic Financial Functions2gA 1,281.34 2Þ¼ –2.00 –32,000.00 28,346.96 63 Odd-PeriodCalculations64 64 Section 3: Basic Financial Functionsnoninteger n Page: 64 of 65 5gC4,500.00 –135.17 66 66 Section 3: Basic Financial Functionsz30+ 67 gÒ z30+§12} 3,950.00 –120.00 68 68 Section 3: Basic Financial Functions69 To obtain an amortization schedule:3.Enter the amount of the loan (the principal), using $ Key in the periodic payment, then press 5.Press g× or (for most direct reduction loans) g to set the payment mode 6.Key in the number of payments to be amortized 7.Press f! to display the amount from those payments applied toward interest 9.To display the number of payments just amortized, press dd 10.To display the remaining balance of the loan, press :$ 11.To display the total number of payments amortized, press :n Enters 250000$ 250,000.00 Enters PV Page: 69 of 70 70 Section 3: Basic Financial Functions–1,498.12 –13,006.53 –4,970.91 245,029.09 dd :$ :n –12,739.18 –5,238.26 239,790.83 71 1f–1,093.75 –404.37 –1,091.98 –406.14 –1,380.51 –286.76 249,713.24 72 Additional Financial86 Additional OperatingFeatures 93 Statistics Functions100 Mathematics andNumber-AlterationFunctions 103 Programming104 Programming Basics105 Section 8: Programming Basics000 106 Section 8: Programming Basics 001 002 003 004 005 006 007 106 Running a Program108 Section 8: Programming Basics 108 Program Memory114 Executing a Program One Line at a Time117 Interrupting Program ExecutionPausing During Program Execution 118 118 Section 8: Programming Basics119 Section 8: Programming Basics?+1 :0 b ?+2 ?+3 :0 b ?+2 120 120 Section 8: Programming Basicsgu ?+1 :0 b gu ?+2 gu ?+1 :0 b gu ?+2 003,44 007,44 008 009,44 005,44 009 010,44 011 121 012,44 401,312.20 1,400.77 2,040.00 2,177.70 1,725.00 1,841.44 5,967.70 122 122 Section 8: Programming Basics6,370.52 Stopping Program Execution 123 012,44t t t 124 124 Section 8: Programming Basics125 Branching and Looping126 Section 9: Branching and Looping 126 Looping129 Conditional Branching130 130 Section 9: Branching and Looping131 RPN program notes:f] fs 132 132 Section 9: Branching and Looping004,43,33,007 006,43,33,008 ALG program notes: f[ fs 133 :1 b006,43,33,009 008,43,33,010 010 20,000.00 15,000 001, 45 134 134 Section 9: Branching and Looping15,000.00 3,000.00 20,000 135 25,00025,000.00 006,43,33,008 Line 006: gi008 6,250.00 136 136 Section 9: Branching and Looping137 012,43,33,000 Line 012: gi000005, 43 34 Line 005: go 138 138 Section 9: Branching and Looping139 Program Editing140 Section 10: Program Editing :2?6 fs gi.006 140 Adding Instructions at the End of a Program142 Adding Instructions within a ProgramAdding Instructions by Replacement 144 144 Section 10: Program Editing016 Adding Instructions by Branching 145 ~gogifs gi.000 gi.010 001,43,33,012 011,43,33,000 146 146 Section 10: Program Editing015,43,33,000 017,43,33,002 6,500.00 147 gi.016go gi000 ?9 001,43,33,018 017,43,33,000 018 019 020 021,43,33,000 022 023,43,33,002 148 148 Section 10: Program Editing149 Multiple Programs150 150 Section 11: Multiple Programsgi.017 018,43,33,000 021 023 024 025 026 027,43,33,019 gi.023 024,43,33,000 151 Section 11: Multiple Programs027 028 029 030 031 032 033,43,33,025 gi.027 152 152 Section 11: Multiple Programs?0 :0 f! gu gi.033 033 034,43,33,029 034 035 036 037 038 039 040,43 33,035 153 Running Another Program155 Solutions156 Real Estate and Lending157 Section 12: Real Estate and LendingALG Mode: RPN: ALG: 160,000.00 –908.46 :$2b :$-2b 156,800.00 §12³ 158 158 Section 12: Real Estate and Lending:$750 :$-750 159,250.00 156,050.00 159 Price of a Mortgage Traded at a Discount or Premium160 160 Section 12: Real Estate and Lending9gC 9gC Discount rate (into i) 137.17P Monthly payments (into PMT) 2000M$ –8,777.61 Amount necessary to prepay the note 26gA 6.5gC 249350Þ$ 1,657.97 Monthly payment to be received (calculated) 12gC Desired monthly interest –158,361.78 Purchase price to achieve the desired yield Page: 160 of 161 Yield of a Mortgage Traded at a Discount or Premium–300,000.00 162 162 Section 12: Real Estate and Lending2,096.57 -42n –250,000.00 163 Calculate the remaining balance of the loan after five years5gA Number of periods to be amortized 258,377.24 Remaining balance of the loan after five years New life of loan Percent monthly yield NCPR Page: 163 of 164 164 Section 12: Real Estate and Lending?.1 004,44 017 Page: 164 of 166 166 Section 12: Real Estate and Lending046 047 048 049 050 051 052 053 054,45,43 054 055 055,45,43 056 057 058 059 REGISTERS 167 1.Key in the program2.Key in the estimated down payment then press ?1 3.Key in the life of the mortgage then press ?2 4.Key in the annual mortgage interest rate then press ?3 5.Key in the estimated monthly taxes then press ?4 7.Key in the closing costs then press ?6 9.Key in the monthly rent for the alternative housing then press ?8 Key in the combined State and Federal marginal tax rate 13.Key in the estimated rate of yearly appreciation as a percentage then press 14.Key in the price of the house under consideration then press $ 16.Press tto compute the yield on your investment in the house.† 17.Press tto compute the value of a savings account or other investment Page: 167 of 168 168 Section 12: Real Estate and Lending7,000.00 3,700.00 270,000.00 53,095.65 46,048.61 169 Deferred Annuities171 Investment Analysis173 Section 13: Investment Analysis041,43,33 036,44 037,43,33 045,43,33 174 174 Section 13: Investment Analysis6.Key in the year desired then press 7.Key in the number of months in the first year and press t.* The display will show the amount of depreciation for the desired year. If desired, press ~to see the remaining depreciable value then press =~-:M 6.Key in the year desired then press ³ -~-:M³ 9.For a new case, press gi000 and return to step Page: 174 of 175 125,000.001,666.67 123,333.33 5,000.00 118,333.33 ~:$:3 :3-~³ 11,666.67 3,333.33 176 176 Section 13: Investment Analysis6,730.00 Declining-BalanceDepreciation 178 178 Section 13: Investment Analysis179 7.Key in the year desired then pressKey in the number of months in first year 7.Key in the year desired then press ³ Key in the number of months in first year* and press 10.For a new case press gi000 and return to step 50000$ 50,000.00 8000M Salvage value 150¼ Declining-balancefactor Page: 179 of 180 180 Section 13: Investment Analysis11,458.33 Sum-of-the-Years-DigitsDepreciation 182 182 Section 13: Investment Analysis183 7.Key in the number of months in first year* then press t.† The displayKey in the number of months in first year* then press 9.For a new case press gi000 and return to step 12000$ Page: 183 of 184 Section 13: Investment Analysis 8,238.71 7,492.69 184 Full- and Partial-YearDepreciation with Crossover189 R1: DepR3: Used R4: Used R5: Used R6: Used 2.Press fCLEARH 6.Key in the declining-balancefactor as a percentage then press ¼ 7.RPN: Key in the desired year and press 7.ALG: Key in the desired year and press ³ Key in the number of months in the first year 9.If desired, press ~to see the remaining depreciable value 10.If desired, press :1 to see the total depreciation through the current year Continue pressing 12.For a new case press gi000 and return to step 11000$ Page: 189 of 190 190 Section 13: Investment AnalysisFirst year depreciation desired 1,375.00 9,125.00 2,406.25 1,804.69 1,353.51 1,015.14 Sixth year: depreciation Seventh year: 9,429.56 the seventh year Eight year: depreciation Ninth year: Page: 190 of 191 Excess Depreciation-gØ 10,500.00 1,312.50 8,531.25 192 Section 13: Investment Analysis 192 Modified Internal Rate of Return193 Group# of Months Cash Flow ($) 0gK5ga 0gK9ga 200,000.00 10gCfl 657,152.37 -657,152.37 775,797.83 J0gK5g gK5ga6 gK5ga -660,454.55 gCfl 6gCfl 194 Section 13: Investment Analysis 194 Black-ScholesFormula for Valuing European Options202 Leasing213 Savings217 Bonds227 Appendices228 RPN and the Stack237 Algebraic Mode (ALG)243 More About L245 Error Conditions246 Appendix D: Error Conditions 246 Error 1: Storage Register OverflowError 2: Statistics Error 3: IRR Error 4: MemoryAppendix D: Error Conditions 247 Error 5: Compound InterestOperationCondition 248 Appendix D: Error Conditions 248 Error 6: Storage RegistersError 7: IRR 249 Error 8: CalendarError 9: Service Pr ErrorImproper date format or illegal date Attempting to add days beyond calculator’s date capacity Maturity date earlier than settlement date Maturity date has no corresponding coupon date (6 months earlier) zContinuous Memory has been reset. (Refer to Continuous Memory, page 86.) zYou have reset the calculator using the reset hole (see page 261) Page: 249 of 250 Formulas Used259 Battery, Warranty, andService Information260 260 Appendix F: Battery, Warranty, and Service InformationInstalling a New Battery Appendix F: Battery, Warranty, and Service Information 261 Verifying Proper Operation (Self-Tests)For a calculator that does not respond to keystrokes: The display will show For a calculator that does respond to keystrokes: 1.With the calculator off, hold down the ;key and press § Release the –8,8,8,8,8,8,8,8,8,8 Page: 261 of 262 262Appendix F: Battery, Warranty, and Service InformationPage: 262 of 263 Warranty264 Appendix F: Battery, Warranty, and Service Information 264 Service265 Regulatory InformationUSA 266 Appendix F: Battery, Warranty, and Service Information Canada Japan 266 Temperature SpecificationsNoise Declaration Disposal of Waste Equipment by Users in Private Household in the European Union 267 United Kingdom Calculations269 Function Key Index270 270 Function Key IndexFinancial CLEAR GClears contents of financial registers (page 42) (page 46) Sets payment mode to End for compound interest calculations involving payments ÏCalculates simple interest (page 42) wStores or computes number of periods in financial problem (page 41) Multiplies a number in displayed (page 49) ¼Stores or computes interest rate per compounding period (page 41) Divides number in displayed PStores or computes payment amount (page 41) Amortizes (page 69) using values stored with J, K, and a(page 73) initial investment using values stored with J, K, and a (page 78) JInitial cash flow. Stores contents of displayed X-registerin (page 73) X-registerin Rj , increments n by 1, and VCalculates depreciation using straight-linemethod. (page 83) ECalculates bond price, given desired yield to maturity (page 82) SCalculates yield to maturity, given bond price (page 83) aStores the number (from 1 to 99) of times each cash flow occurs as Nj. Assumes 1 unless otherwise specified (page 75) #Calculates depreciation using declining-balancemethod (page 83) Statistics (page 93) _Accumulates statistics using numbers from X- and Y-registers in storage registers R1 through R6 (page 93) ^Cancels effect of numbers from X- and Y-registersin storage registers R1 through R6 (page 94) Page: 270 of 271 Function Key Index(page 99) (page 96) (page 97) Modes Mathematics (page 100) (page 102) (page 100) Number Alteration (page 101) Stack Rearrangement (page 239) (pages 90 and 230) (page 230) (pages 91 and 234) 272 Programming Key Index273 Programming Key Index(page 114) (page 109) (page 113) Pressed from (page 106) (page 125) (page 116) (page 124) instruction: (page 122) (page 125) (page 117) (page 129) 274 Subject Index275 withConstants, arithmetic calculations with 47, 86, 88, 112 Continuous rate , 37–40 , 84 , 65 D.MY status indicator, 38 Data storage registers, 27–30Date format, 37 Depreciation, with crossover, 184–91 Digit entry, recovering from errors in Digit entry, termination of, 21, 229 Discounted cashflow analysis, 72 Display Subject Index , 18, 21, 65 , 21, 31, 36, 93, 99, 102, 129, 229 , 100 , 20, 22, 26, 237 Editing a program, 139 Effective interest rate, converting , 16, 21, 69, 88, 108 , 19 , 101 Future value Future value, calculating, 61 FV , 16, 21, 108, 112, 230 , 17, 21, 108, 114, 125, 130 Page: 275 of 276 276 Subject Index278 278 Subject Index
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