HP 12c Financial CalculatorQuick Start GuideEdition 1HP Part Number: F2230-90201

Welcome to your HP 12c Financial Calculator

Customizing the Calculator

Storage Registers and Continuous Memory

Keys and Functions

Basic Financial Calculation Example

Warranty and Contact Information

Limited Hardware Warranty Period

getting started

Customer Care

Product Regulatory & Environment Information

HP 12C#ABA - 12C Financial Calculator Quick Start Manual

Introduction

Financial Calculations in the United Kingdom

Part I: Problem Solving

Section 1: Getting Started

Keying in Numbers

Keying in Large Numbers

The CLEAR Keys

Undo Operation

Simple Arithmetic Calculations in RPN Mode

Simple Arithmetic Calculations in ALG Mode

Chain Calculations in RPN Mode

Chain Calculations in ALG Mode

Storage Registers

Clearing Storage Registers

Percentage Functions

Section 2: Percentage and Calendar Functions

Net Amount in RPN Mode

Percent Difference

Percent of Total in RPN Mode

Percent of Total in ALG Mode

Calendar Functions

Future or Past Dates

Number of Days Between Dates

Section 3: Basic Financial Functions

Clearing the Financial Registers

Financial Calculations and the Cash Flow Diagram

The Cash Flow Sign Convention

Generalized Cash Flow Diagrams

Compound Interest Calculations

Calculating the Periodic and Annual Interest Rates

Calculating the Present Value

Calculating the Payment Amount

Calculating the Future Value

Odd-Period Calculations

Amortization

Discounted Cash Flow Analysis: NPV and IRR

Section 4: Additional Financial Functions

Calculating Internal Rate of Return (IRR)

Reviewing Cash Flow Entries

Changing Cash Flow Entries

Bond Calculations

Bond Yield

Depreciation Calculations

Continuous Memory

Section 5: Additional Operating Features

Scientific Notation Display Format

Special Displays

Arithmetic Calculations With Constants

Recovering From Errors in Digit Entry

Section 6: Statistics Functions

Correcting Accumulated Statistics

Standard Deviation

Linear Estimation

Weighted Mean

Section 7: Mathematics and Number-Alteration Functions

The Power Function in RPN Mode

Part II: Programming

Section 8: Programming Basics

Running a Program

Program Memory

Displaying Program Lines

The 000 Instruction and Program Line 000

Setting the Calculator to a Particular Program Line

Interrupting Program Execution

Stopping Program Execution

Section 9: Branching and Looping

Looping

Conditional Branching

Section 10: Program Editing

Adding Instructions at the End of a Program

Adding Instructions within a Program

Adding Instructions by Branching

Section 11: Multiple Programs

Running Another Program

Part III: Solutions

Section 12: Real Estate and Lending

Price of a Mortgage Traded at a Discount or Premium

Yield of a Mortgage Traded at a Discount or Premium

The Rent or Buy Decision

Deferred Annuities

Section 13: Investment Analysis

Declining-Balance Depreciation

Sum-of-the-Years-Digits Depreciation

Full- and Partial-Year Depreciation with Crossover

Excess Depreciation

Modified Internal Rate of Return

Black-Scholes Formula for Valuing European Options

Advance Payments

Solving for Yield

Advance Payments With Residual

Section 15: Savings

Effective Rate Converted to Nominal Rate

real estate

income property cash flow analysis

graduated payment mortgages

variable rate mortgages

skipped payments

initial deposit with periodic deposits

number of periods to deplete a savings account or to reach a specified balance

savings account compounded daily

compounding periods different from payment periods

investment analysis

operating leverage

profit and loss analysis

discounted notes

simple moving average

forecasting with exponential smoothing

pricing calculations

curve fitting

logarithmic curve fit

standard error of the mean

random number generator

personal finance

stock portfolio evaluation and analysis

canadian mortgages

balance remaining at end of specified period

learning curve for manufacturing costs

queuing and waiting theory

loans with a constant amount paid towards principal

seasonal variation factors based on a centered moving average

calculations of list and net prices with discounts

power curve fit

portfolio beta coefficient

graduated payment mortgage

Using the RPN Programs on the HP-12C

Real Estate

Wrap-Around Mortgage

Income Property Cash Flow Analysis

Before-Tax Reversions (Resale Proceeds)

After-Tax Cash Flows

After-Tax Net Cash Proceeds of Resale

Lending

Add-On Interest Rate Converted to APR

APR Converted to Add-On Interest Rate

Add-On Rate Loan with Credit Life

Interest Rebate - Rule of 78's

Graduated Payment Mortgages

Variable Rate Mortgages

Skipped Payments

Savings

Number of Periods to Deplete a Savings Account or to Reach a Specified Balance

Periodic Deposits and Withdrawals

Savings Account Compounded Daily

Compounding Periods Different From Payment Periods

Investment Analysis

Break-Even Analysis

Operating Leverage

Profit and Loss Analysis

Securities and Options

Discounted Notes

Forecasting

Seasonal Variation Factors Based on Centered Moving Averages

Gompertz Curve Trend Analysis

Forecasting with Exponential Smoothing

Pricing Calculations

Calculations of List and Net prices With Discounts

Statistics

Logarithmic Curve Fit

Power Curve Fit

Standard Error of the Mean

Mean, Standard Deviation, Standard Error for Grouped Data

Chi-Square Statistics

Normal Distribution

Covariance

Permutations

Combinations

Random Number Generator

Personal Finance

Tax-Free Individual Retirement (IRA) or Keogh Plan

Stock Portfolio Evaluation and Analysis

Canadian Mortgages

Number of Periodic Payments to Fully Amortize a Mortgage

Miscellaneous

Queuing and Waiting Theory

About this Appendix

Algebraic Mode Programs

Section 13: Straight-Line Depreciation

Section 13: Declining-Balance Depreciation

Section 13: Sum-of-the-Years-Digits Depreciation

Section 13: Full- and Partial- Year Depreciation with Crossover

Section 14: Lease with Advance Payments - Solving For Payment

Section 14: Advance Payments With Residual - Solving for Payment

Section 16: 30/360 Day Basis Bonds

Section 16: Annual Coupon Bonds

Loans With a Constant Amount Paid Towards Principal

Graduated Payment Mortgage

Lease vs. Purchase

Simple Moving Average

HP 12C#ABA - 12C Financial Calculator Quick Start Manual

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Contents Table Of Contents Welcome to your HP 12c Financial Calculator Customizing the Calculator Storage Registers and Continuous Memory Keys and Functions Basic Financial Calculation Example Warranty and Contact Information Limited Hardware Warranty Period getting started Customer Care Product Regulatory & Environment Information	HP 12c Financial CalculatorQuick Start GuideEdition 1HP Part Number: F2230-90201 Next / 36