Instruction/ maintenance manual of the product 0012C-90001 HP (Hewlett-Packard)
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F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 1 of 209 Print ed D ate: 2005/7/2 9 Dimension: 14.8 cm x 21 cm hp 12c financial calculator user's guide H Edition 4 HP Part Number .
2 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 2 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Notice REGISTER YOUR PR ODUCT AT: www.register.hp.com THIS MANUAL AND ANY EXAMPLES CONTAIN ED HEREIN ARE PROVIDED “AS IS ” AND ARE SUBJECT TO CHANGE WITHOUT NO TICE.
3 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 3 of 209 Print ed D ate: 2005/7/2 9 Dimension: 14.8 cm x 21 cm 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 Calculat or.
4 Introduction F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 4 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm z The various app endices describe additional details of calcul ator operation a s well as warranty and service informatio n.
5 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 5 of 209 Print ed D ate: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Contents Introduction .................................................................... 3 About T his H andbook .......
6 Contents F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 6 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Clear ing the Financ ial Registers .............................................. 33 Simple Inter est Calc ulations.
Contents 7 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 7 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Section 6: Statistics Functions ........................................ 7 6 Acc umulating Statistics ..........
8 Contents F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 8 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Section 11: Multiple Progr ams ...................................... 120 Stor ing Another Pr ogram ............
Contents 9 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 9 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Appendix es ................................................................ 16 9 Appendix A: The Aut omatic Memor y Stack .
10 Contents F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 10 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm 30/3 60 Day Basis .............................................................. 18 7 Bonds ..................
11 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 11 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Making Financial Calculations Easy Before you begi n to read through this ha ndbook, let’s ta ke a look at how easy financial calculations can be with your hp 12c.
12 Making Financial Calculations Easy F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 12 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Note: A battery symbol ( ¼ ) shown in the lower-left corn er of the display when the calcul ator is on signifies that the available battery power is n early exhausted.
Making Financial Calculations Easy 13 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 13 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Example 3: The preceding ex ample showed that the insura nce policy will provide about half the required amount.
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F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 15 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Part I Problem Solving.
16 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 16 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Sect ion 1 Getting Started P ow e r On and O ff To begin using your hp 12c, press the ; key * . Pressing ; again turns the calculator off.
Section 1: Getting Started 17 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 17 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Throughout this handbook , references to the operation of an alternate function appear as only the function name i n a box (for example, “The L fun ction …”).
18 Section 1: Getting Started F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 18 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm K ey ing in Lar ge Numbers Since the disp.
Section 1: Getting Started 19 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 19 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Simple Arithme tic Calculatio ns Any simple arithmetic calculation involves two numbers and an operation — addition, subtraction, multiplication, or divi sion.
20 Section 1: Getting Started F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 20 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Chain Calculations Whenever the a nswer h.
Section 1: Getting Started 21 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 21 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display - 21.68 Pressing - subtracts the number just entered fr om the number previously in the display.
22 Section 1: Getting Started F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 2 2 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Your hp 12c cal culates the answer in just th e same way: Keystrokes Display 3 4 § 12.00 Step 1: Multiply the numbers in t he first parentheses.
Section 1: Getting Started 23 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 2 3 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Storag e Re gis ter s Numbers (data ) in the hp 12c are stored in memor ies called “stora ge registers” or simply “registers.
24 Section 1: Getting Started F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 2 4 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Later that same day … Keystrokes Display ; 2,500.00 Turns the calculator back on. : 1 3,250.
Section 1: Getting Started 25 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 2 5 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Storage regist er arithmetic is possible with on ly registers R 0 through R 4 . Example: In the example o n page 20, we updated th e balance in your checkbook.
26 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 2 6 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Sect ion 2 Percentage and Calendar Functions P ercentage F unctions The hp 12c include s three keys for solving p e rcentage problem s : b , à , and Z .
Section 2: Percentage and Calendar Functio ns 27 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 2 7 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
28 Section 2: Percentage and Calendar Functio ns F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 2 8 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm The à key c an be used for calculation s of the percent diffe rence between a wholesale cost and a ret ail cost.
Section 2: Percentage and Calendar Functio ns 29 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 2 9 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm T o f i n d w h a t p e r c e n t a g e a n u m b e r i s o f a total, when you already know t he total number: 1.
30 Section 2: Percentage and Calendar Functio ns F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 30 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
Section 2: Percentage and Calendar Functio ns 31 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 31 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display 14.052004 14.05 Keys in date and sepa rates it from number of days to be entered .
32 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 3 2 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Sect ion 3 Basic Financial Functions Th e Fi n a nc ia l Re g is t .
Section 3: Basic Financial Functions 33 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 3 3 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Clearing the F inancial Registers Every financial function uses numbers st ored in several of the f inancial registers.
34 Section 3: Basic Financial Functions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 34 of 20 9 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display 7 ¼ 7.00 Stores the annual interest rate. 450 Þ$ –450.00 Stores the princi pal.
Section 3: Basic Financial Functions 35 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 3 5 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
36 Section 3: Basic Financial Functions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 3 6 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm The form in wh ich n is entered determin es whether o r not the cal culator performs financial calculations in O dd-Period mode (as described on pages 50 through 53).
Section 3: Basic Financial Functions 37 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 3 7 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm The P ayment Mode One more b it of info rmatio n must be spe cified be fore you c an solve a pro blem involving periodic p ayments.
38 Section 3: Basic Financial Functions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 38 of 20 9 Print ered Date: 2005/7/2 9 Dimension: 14.
Section 3: Basic Financial Functions 39 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 3 9 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
40 Section 3: Basic Financial Functions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 40 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
Section 3: Basic Financial Functions 41 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 41 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
42 Section 3: Basic Financial Functions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 4 2 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Example 2: You’re ope ning a saving s account t oday (the middle of the mo nth) with a $775 deposit.
Section 3: Basic Financial Functions 43 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 43 o f 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display MM 4,027.27 Calculates FV – which equals the balance in the account if 58 full deposits were m ade.
44 Section 3: Basic Financial Functions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 44 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
Section 3: Basic Financial Functions 45 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 4 5 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Example 1: You’re financing a new car purchase with a loan from an institution that requires 15% interest compound ed mont hly over the 4-year term of the loan.
46 Section 3: Basic Financial Functions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 46 of 20 9 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display f CLEAR G 5 n 5.00 Stores n. 12 ¼ 12.00 Stores i. 17500 P 17,500.
Section 3: Basic Financial Functions 47 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 4 7 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display f CLEAR G 29 gA 348.00 Calculates and stores n. 14.25 gC 1.19 Calculates and stores i.
48 Section 3: Basic Financial Functions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 48 of 20 9 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Calculatin g the Future V alue 1. Press f CLEAR G to clea r the financial reg isters.
Section 3: Basic Financial Functions 49 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 4 9 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
50 Section 3: Basic Financial Functions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 50 of 20 9 Print ered Date: 2005/7/2 9 Dimension: 14.
Section 3: Basic Financial Functions 51 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 51 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm You can calculate i , PV , PMT , and FV for transactions invol ving an odd period simply by entering a noninteger n .
52 Section 3: Basic Financial Functions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 5 2 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Example 1: A 36-month loan for $4,500 accrues interest at a 15% annual percentage rate (APR), with the pa yments made at the end of each m onth.
Section 3: Basic Financial Functions 53 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 5 3 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Example 2: A 42-month car loan for $3,950 began accr uing interest on July 1 9, 2004, so that the first period began on Au gust 1, 2004.
54 Section 3: Basic Financial Functions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 54 of 20 9 Print ered Date: 2005/7/2 9 Dimension: 14.
Section 3: Basic Financial Functions 55 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 5 5 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display 573.35 ÞP –573.35 Enters PMT ( with minus sign for cash paid out ).
56 Section 3: Basic Financial Functions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 5 6 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display 1 f! –552.08 Portion of first payment applied to interest. ~ –21.
57 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 5 7 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Sect ion 4 Additional Financial Functions Discounte d Cash Flow Ana.
58 Section 4: Additional Financial Functions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 5 8 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm z If NPV is positive, the fin ancial value of the inve stor’s assets would be increased: the investment is financially attractive.
Section 4: Additional Financial Functions 59 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 5 9 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
60 Section 4: Additional Financial Functions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 60 of 20 9 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Example: An investor has an opportunit y to buy a duplex for $80,000 and would lik e a retur n of at leas t 13%.
Section 4: Additional Financial Functions 61 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 61 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Calcula ting NPV for Grou ped Ca sh Flows. A maximum of 20 ca sh flow amounts (in addition to the init ial investment CF 0 ) can be stored in the hp 12c.
62 Section 4: Additional Financial Functions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 6 2 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Example: An investor has an opp ortunity to purcha se a piece of prope rty for $79,000; and he would like a 13 1 / 2 % r eturn.
Section 4: Additional Financial Functions 63 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 6 3 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Calculatin g Internal Rate of Return (IRR) 1. Enter the cash flows using either of the methods described above under Calculating Net Present Value.
64 Section 4: Additional Financial Functions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 64 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
Section 4: Additional Financial Functions 65 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 6 5 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display :ga 2.00 N 5 7 n 7.00 Resets the number in the n re g ister to its original value.
66 Section 4: Additional Financial Functions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 66 of 20 9 Print ered Date: 2005/7/2 9 Dimension: 14.
Section 4: Additional Financial Functions 67 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 6 7 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
68 Section 4: Additional Financial Functions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 68 o f 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Example: The market is quotin g 88 3 / 8 % for the bond described in the p r eceding example.
Section 4: Additional Financial Functions 69 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 6 9 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Example: A metalworking machine, purchased for $10,000, is depreciated over 5 years.
70 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 7 0 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Sect ion 5 Additional Operating Features Contin uous Memory The cal.
Section 5: Additional Operating Features 71 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 71 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Th e D is p l ay Status Indicators Six indicators that appea r along the bottom of the di splay signify the status of the calculator for certain operation s.
72 Section 5: Additional Operating Features F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 7 2 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
Section 5: Additional Operating Features 73 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 7 3 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display f. 1.487456 01 The exponent in this example indicates that the decim al point should be moved one decimal place to the right, giving the number 14.
74 Section 5: Additional Operating Features F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 7 4 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Errors. If you attempt an improper operation — such as division by zero — the calculator will display the word Error followed by a digit ( 0 through 9 ).
Section 5: Additional Operating Features 75 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 7 5 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Arithmetic Calc ulations With Constants Example: At Permex Pipes a certain pipe fitting is packaged in quantities of 1 5, 75, and 250.
76 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 7 6 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Sect ion 6 Statistics Functions Ac cumu lati ng S tat is tics The hp 12c ca n perform one- or two-variable statistical calcul ations.
Section 6: Statistics Functions 77 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 77 of 20 9 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm The table below shows where th e accumulated s tatistics are store d. Register Statistic R 1 (and display) n : number of data pairs accumul ated.
78 Section 6: Statistics Functions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 7 8 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
Section 6: Statistics Functions 79 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 7 9 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Standard De viation Pressing gv calculates the standard deviation of th e x-value s ( s x ) and o f the y-value s ( s y ).
80 Section 6: Statistics Functions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 80 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
Section 6: Statistics Functions 81 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 81 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Example: Compute th e slope and intercept of the regression line in the pr eceding example.
82 Section 6: Statistics Functions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 8 2 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
83 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 8 3 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Sect ion 7 Mathematics and Number-Alteration Functions The hp 12c provides several keys for mathematical function s and for altering, numbers.
84 Section 7: Mathematics and Number-Alteration Fun ctions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 84 of 20 9 Print ered Date: 2005/7/2 9 Dimension: 14.
Section 7: Mathematics and Number-Alteration Fun ctions 85 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 85 o f 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Th e Power Fu nc t io n Pressing q calculates a power of a number — that is, y x .
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F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 8 7 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Part II Programming.
88 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 88 of 20 9 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Sect ion 8 Programming Basics Why Us e P rog ram s ? A program is simply a s equence of keyst rokes that is stored in the calculator.
Section 8: Programming Basics 89 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 8 9 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display - 150.00 Price less discount. 5 5. Handling charge. + 155.00 Net cost (price le ss discount plus handling charge).
90 Section 8: Programming Basics F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 90 of 20 9 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Example: Run the program created above t o calculate the net cost of a typ ewriter listing for $625 and an executive chair lis ting for $159.
Section 8: Programming Basics 91 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 91 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Identifying Instruct ions in Program L.
92 Section 8: Programming Basics F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 9 2 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Display ing Program Lines Pressing fs.
Section 8: Programming Basics 93 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 9 3 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Program line 07 cont ains the last instruction y ou keyed in to pro gram memo ry.
94 Section 8: Programming Basics F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 9 4 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Expanding Pr ogram M emory If no ins .
Section 8: Programming Basics 95 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 9 5 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Program memory is automatica lly expa.
96 Section 8: Programming Basics F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 9 6 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm z With the calculator in Run mode, pressing gi followed by two digit keys sets the calculator to the program line specified by th e digit keys .
Section 8: Programming Basics 97 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 9 7 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display 2. Result of ex ecutin g pro g ram line 02. Ç 03- 5 Program line 03: 5.
98 Section 8: Programming Basics F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 9 8 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Example: Create a program that calcul.
Section 8: Programming Basics 99 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 99 of 20 9 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Pressing the gu k e y s i s n o t n e.
100 Section 8: Programming Basics F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 100 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display gu 06- 43 31 Pauses to display TAX. ?+ 2 07- 44 40 2 + 08- 40 ?+ 3 09- 44 40 3 Now, to run the program: Keystrokes Display fs 950.
Section 8: Programming Basics 101 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 101 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm If the duration of the pause is not long enough to write down the number displayed, you can prolong it by using m ore than one u inst ruction.
102 Section 8: Programming Basics F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 10 2 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display 24 85 85. Third item. t 2,040.00 AMOUNT for third item. t 137.70 TAX for third item.
103 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 103 of 20 9 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Sect ion 9 Branching and Looping Although the instructions in a p.
104 Section 9: Bra nching and Looping F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 104 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
Section 9: Branching and Looping 105 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 105 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display : 0 02- 45 0 Recalls the number of payments to be amortized. T his program line is the one to which pro g ram execu tion will later branch.
106 Section 9: Bra nching and Looping F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 106 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display Ê 02- 45 0 Line 02: : 0. This is the be g innin g of the first pass t hrough the loop.
Section 9: Branching and Looping 107 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 10 7 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display Ê 07- 43, 33 02 Line 07: gi 02. This is the end o f the second pass through the loop.
108 Section 9: Bra nching and Looping F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 108 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm The program line immediatel y following that containing the conditional test instruction can contain any instruction; however, the mo st commonly used instruction there is i .
Section 9: Branching and Looping 109 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 109 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm We’ll key the income into the di splay before running the program so that it will be in the X-register w hen the : 0 instruction in prog ram line 01 is executed .
110 Section 9: Bra nching and Looping F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 110 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display gi 07 04- 43, 33 07 If condition is true, branch es to program line 07 .
Section 9: Branching and Looping 111 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 111 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display 15,000.00 Ê 07- 45 1 Line 07: : 1. 20.00 20% tax rate ha s been recalled t o X-register, moving income to Y-register.
112 Section 9: Bra nching and Looping F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 112 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display Ê 02- 34 Line 02: ~ . 25,000.00 In come has been plac ed in X-register and test v alue has been placed in Y-register.
113 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 113 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Secti on 10 Program Editing There are vario us reasons why you mig.
.
Section 10: Program Editing 115 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 115 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Adding Ins truc tions Within a Program.
116 Section 10: Program Editing F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 116 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Example: Assuming you have add ed a - .
Section 10: Program Editing 117 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 117 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm 5.
118 Section 10: Program Editing F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 118 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display : 3 12- 45 3 ~ 13- 34 go 14- 43 34 gi 00 15- 43, 33 00 Added instructions.
Section 10: Program Editing 119 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 119 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm.
120 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 120 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Secti on 11 Multiple Programs You can store multiple p rograms in .
Section 11: Multiple Programs 121 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 121 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
122 Section 11: Multiple Programs F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 12 2 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Example 2: With the two programs now stored in program memory from the preceding examples (occupying 27 program lines), store the amortization program from Section 9(page 103).
F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 12 3 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Part III Solutions.
124 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 12 4 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Secti on 12 Real Estate and Lending Annual P e rcentage Rate Calc.
Section 12: Real Estate and Lending 125 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 12 5 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
126 Section 12: Real Estate and Lending F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 12 6 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Example 3: Again using the information given in example 1, what is the APR if the mortgage fee is stated as 2 points plus $150 ? Keystrokes Display g f CLEAR G 30 gA 360.
Section 12: Real Estate and Lending 127 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 12 7 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Example 1: A lender wish es to induce the bo rrower to prepay a low intere st rate loan.
128 Section 12: Real Estate and Lending F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 12 8 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
Section 12: Real Estate and Lending 129 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 12 9 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display 79000 Þ$ –79,000.00 Input price of mortgage (int o PV; negative to indicate money paid out).
130 Section 12: Real Estate and Lending F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 130 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
Section 12: Real Estate and Lending 131 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 131 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
132 Section 12: Real Estate and Lending F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 13 2 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm REGISTERS n: Period i: Apprec. PV: Price PMT: Use d FV: Used R 0 : Period R 1 : Dwn Pmt R 2 : Life R 3 : i(Mtg) R 4 : Taxes/Mo R 5 : Improve.
Section 12: Real Estate and Lending 133 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 13 3 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm 16. Press t to compute the yield on your investment in the house. * 17. Press t to compute the valu e of a savings acco unt or other in vestment.
134 Section 12: Real Estate and Lending F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 134 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display 4 n 4.00 Years in investment. 10 ¼ 10.00 Yearly appreciation rate.
Section 12: Real Estate and Lending 135 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 13 5 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
136 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 136 o f 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Secti on 13 Investment Analysis Pa r t i a l -Y e a r D e p r e c.
Section 13: Investment Analysis 137 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 13 7 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
138 Section 13: Investment Analysis F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 138 of 20 9 Print ered Date: 2005/7/2 9 Dimension: 14.
Section 13: Investment Analysis 139 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 13 9 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display 25 n 25.00 Life. 25 25.00 Year desired. 4 t ~ 25.00 5,000.00 3,333.
140 Section 13: Investment Analysis F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 140 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
Section 13: Investment Analysis 141 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 141 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm remainin g depreciabl e value. I f desired, pr ess :$: 3 =~-:M- t o find the total depreciation th rough the current year.
142 Section 13: Investment Analysis F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 14 2 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
Section 13: Investment Analysis 143 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 143 o f 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm 7. Key i n the nu mber of months i n first yea r * then press t . † The display will show the amount of depreciation for the desired year.
144 Section 13: Investment Analysis F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 144 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
Section 13: Investment Analysis 145 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 14 5 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
146 Section 13: Investment Analysis F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 146 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
Section 13: Investment Analysis 147 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 14 7 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Example: An electronic instrument is purchased for $11,000, with 6 months remaining in the current fiscal year.
148 Section 13: Investment Analysis F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 148 of 20 9 Print ered Date: 2005/7/2 9 Dimension: 14.
Section 13: Investment Analysis 149 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 14 9 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm This Modified Intern al Rate of Return procedure ( MIRR ) is one of several IR R alternatives which avoids the draw backs of the traditional IRR technique.
150 Section 13: Investment Analysis F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 150 of 20 9 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display 10 gCfl 657,152.37 NPV of positive cash flows. Þ$ 20 nM 775,797.
151 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 151 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Secti on 14 Leasing Adv ance P ayments Situations may exist wh ere payments are made in advance (leasing is a good example).
152 Section 14: Leasing F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 15 2 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm If solving for the payment am ount will be done repetitively, key i n the following hp 12c program.
Section 14: Leasing 153 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 15 3 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Example 2: Using the precedin g program, solve for th e monthly paymen t using the information given in exampl e 1.
154 Section 14: Leasing F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 154 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Solving for Yield To calculate the peri odic yield, information is entered as follow s: 1. Press g and f CLEAR G .
Section 14: Leasing 155 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 15 5 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm If solving for yield will be done repetitivel.
156 Section 14: Leasing F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 15 6 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display 25000 ? 3 t 17.33 Annual yield (as a percentage). 625 ? 2 t 19.48 Annual yield (as a percentage) when PMT is increased $25.
Section 14: Leasing 157 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 15 7 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm REGISTERS n: Used. i: Interest PV: Used PMT: –1. FV: Residual R 0 : # Pmts (n) R 1 : Interest.
158 Section 14: Leasing F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 15 8 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Example 2: Using the information from example 1, what would the monthl y payments be if the less or desired a yield of 18% annually ? Keystrokes Display 487.
Section 14: Leasing 159 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 15 9 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display §=gJ –4,710.00 Net amount of cash advanced. 145 gK 34 ga 34.00 Thirty-four c ash flows of $145.
160 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 160 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Secti on 15 Savings Nominal Rate Converted to Effec tive Ra te Given a nominal interest rat e and the number of compounding periods pe r year, this keystroke pr ocedure computes the effecti ve annual interest rate.
Section 15: Savings 161 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 161 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm REGISTERS n: # Periods. i: Nom. Rate/n PV: 0 PMT: Used. FV: Eff. Rate R 0 –R .9 : Unused 1. Key in the program.
162 Section 15: Sa vings F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 16 2 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Nominal Rate Converted to Continu ous Effec tiv e Rate This proc edure conv erts a nomin al annual i n terest rate to the continuous eff ective rate.
163 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 16 3 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Secti on 16 Bonds 30/3 60 Day Basis Bonds A bond is a contract to pay interest, usually semiannuall y, at a given rate ( coupon) and to pay the princi pal of the bond at some specifi ed future date.
164 Section 16: Bonds F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 164 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm KEYSTROKES DISPLAY KEYSTROKES DISPLAY d 14- 33 d.
Section 16: Bonds 165 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 16 5 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm For a new case return to step 3. Note that only those values which have been changed need t o be reentered and stored.
166 Section 16: Bonds F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 166 of 20 9 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Annual Coupon Bonds For bonds which hav e annual coupon s, use the following hp 12c prog ram to evalua te price an d accrue d interes t on an Act ual/Act ual day basi s.
Section 16: Bonds 167 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 16 7 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm REGISTERS n: Used i: Yield PV: Used PMT: Cpn. o r 0 FV: Used R 0 : # Peri ods (n) R 1 : Yield R 2 : Coupon R 3 : Redemption R 4 : Settlement R 5 : Next Cpn.
.
F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 16 9 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Appendixes.
17 0 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 17 0 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Appendi x A The Automatic Memory Stack Four special re g isters in the hp 12c are used for storin g numbers durin g calculations.
Appendix A: The Automatic Memory Stack 171 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 171 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
172 Appendix A : The Automatic Memory Stack F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 17 2 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm T erminatio n of Digi t Entry The first digit keyed in after digit entry has been termin ated replaces the number already in the displayed X-register.
Appendix A: The Automatic Memory Stack 173 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 17 3 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Pressing d four times succes sively displays the num bers in the Y-, Z-, an d T-registers and returns the number s to their original registers.
174 Appendix A : The Automatic Memory Stack F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 17 4 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
Appendix A: The Automatic Memory Stack 175 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 17 5 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Calendar and Financial F unctions The following table shows what quantity is in each stack register after t he indicated calendar or financial function key is pressed.
176 Appendix A : The Automatic Memory Stack F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 17 6 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
Appendix A: The Automatic Memory Stack 177 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 177 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm The diagram on page 171 illustrates how th e automatic stac k lift and stack drop make chain calculation s quick and error-free.
178 Appendix A : The Automatic Memory Stack F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 17 8 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Keystrokes Display 84000 84,000. Enters base amount into displayed X-register.
17 9 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 17 9 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Appendi x B More About L Given a sequence of positive and negative cash flows, we hop e that there is enough information to determine w hether an IRR answer exists, and what that a n s w e r i s .
180 Appendix B: More About L F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 180 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Your guess will aid th e calculator in its search, and if it finds an IRR answe r near your guess, that answer will be displayed.
181 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 181 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Appendi x C Error Conditions Some calculator operation s cannot be p e rformed under certain conditions (for example, z when x = 0).
182 Appendix C: E rror Conditions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 18 2 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Err or 1: Stor age Register Overflo w Operation Condition ?+ (0 through 4) ?- (0 through 4) ?§ (0 through 4) ?z (0 through 4) A Magnitude of result is greater than 9.
Appendix C: Error Conditions 183 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 183 o f 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Error 5: Compound Interest Operation Condition n PMT ≤ –PV × i PMT = FV × i i ≤ –100 The values in i, PV, and FV are such that no solution exists for n .
184 Appendix C: E rror Conditions F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 184 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Error 7 : I RR Refer to Append ix B. Error 8: Cale ndar Operation Condition Ò D Improper date format o r illegal date.
185 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 185 o f 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Appendi x D Formulas Used Pe rc e n t a g e 100 ) Rate( ) Base( %.
186 Appendix D: Formulas Used F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 186 o f 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Compound Interest Without an odd period.
Appendix D: Formulas Used 187 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 18 7 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Discounted Cash Flow Analy sis Net Pre sent V alue NPV = net present value of a discounted cash flow.
188 Appendix D: Formulas Used F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 188 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Bonds Reference: Spence, Graudenz, a nd Lynch, Standard Securities Calculation Met hods , Securities Industry Association, New York, 1973.
Appendix D: Formulas Used 189 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 18 9 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Depreciati on L = as set’s useful lif e expectancy . SBV = starting book value. SAL = salvage value.
190 Appendix D: Formulas Used F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 190 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Program for part ial year: ) ( 12 1 1 SA.
Appendix D: Formulas Used 191 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 191 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Interest Rate Conversions C = number of compounding periods per year. EFF = the effective annual interest rat e as a decimal.
192 Appendix D: Formulas Used F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 19 2 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm () () ⎥ ⎥ ⎦ ⎤ ⎢ ⎢ ⎣ ⎡ .
19 3 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 19 3 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Appendi x E Battery, Warranty, and Service Information Battery The hp 12c is shipped with one 3 Volt CR2023 Lithium batte ry.
194 Appendix E: B attery, Warra nty, and Service Information F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 19 4 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
Appendix E: Battery, Warra nt y, and Service Information 195 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 19 5 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
196 Appendix E: B attery, Warra nty, and Service Information F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 19 6 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Wa r r a n t y hp 12c Financial Calculator; W arranty period: 12 months 1.
Appendix E: Battery, Warra nt y, and Service Information 197 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 19 7 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
198 Appendix E: B attery, Warra nty, and Service Information F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 19 8 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Asia Pacific Country : Telephone numbers Australia +61-3-9841-5211 Singapore +61-3-9841-52 11 L.
Appendix E: Battery, Warra nt y, and Service Information 199 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 199 of 20 9 Print ered Date: 2005/7/2 9 Dimension: 14.
200 Appendix E: B attery, Warra nty, and Service Information F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 200 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
201 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 201 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Appendi x F United Kingdom Calculations The calculations fo r most.
202 Appendix F: U nited Kingdom Calculations F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 20 2 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.
203 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 203 of 20 9 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Function Key Index General ; Power on /off key (page 16) . f Shift key. Selects alternate function in gold above the function keys (page 16) .
204 Function Key Index F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 204 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Financial CLEAR G Clea rs contents of financial registers (pag e 33) . × Sets payment mode to Begin for compound interest calculations involving payments (page 37) .
Function Key Index 205 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 205 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Ö Computes m ean (average) of x-value s and y-value s using accumulated stat istics (page 77) .
206 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 206 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Programming Key Index s P r o g r a m / R u n . T o g g l e s i n t o a n d o u t of Program mode. Automati cally sets program to line 00 when returni ng to Run mode (page 86) .
Programming Key Index 207 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 20 7 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Program Mode Run Mode Active Keys: i Go to. Foll owed by a decimal point and a two-di g it number, positions calculator to that line in program memory.
208 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 208 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Subject Index A , 12 , 54, 17 2 Adding instruc t ions , 114–19 A.
Subject Index 209 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 209 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Compound inter est, 3 9–5 3, 18 6 Compound inter e.
210 Subject Index F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 210 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Inter est, sim ple , 3 3 Inter nal rate of r eturn ,.
Subject Index 211 F ile name: hp 12c_user's guide_English_HDPMBF12E44 P age: 211 of 209 Print ered Date: 2005/7/2 9 Dimension: 14.8 cm x 21 cm Progr am, r unning one line at a time , 94 Progr am,.
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