HP 12C manuals
12C
Table of contents
- Introduction
- Financial Calculations in the United Kingdom
- Table Of Contents
- Table Of Contents
- Table Of Contents
- Table Of Contents
- Table Of Contents
- Table Of Contents
- Table Of Contents
- 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
- Continuous Rate Converted to Effective Rate
- Section 16: Bonds
- Annual Coupon Bonds
- Appendices
- Appendix A: RPN and the Stack
- Termination of Digit Entry
- One-Number Functions and the Stack
- Calendar and Financial Functions
- Appendix B: Algebraic Mode (ALG)
- The History Stack in ALG Mode
- Parentheses Calculations
- Percent of Total
- Appendix C: More About L
- Appendix D: Error Conditions
- Error 1: Storage Register Overflow
- Error 5: Compound Interest
- Error 6: Storage Registers
- Error 8: Calendar
- Appendix E: Formulas Used
- Compound Interest
- Discounted Cash Flow Analysis
- Bonds
- Depreciation
- Straight-Line Depreciation
- Advance Payments
- Statistics
- Battery
- Appendix F: Battery, Warranty, and Service Information
- Verifying Proper Operation (Self-Tests)
- Warranty
- Service
- Regulatory Information
- Temperature Specifications
- Mortgages
- Appendix G: United Kingdom Calculations
- Function Key Index
- Programming Key Index
- Subject Index
12C
Table of contents
- 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
12C
Table of contents
- Introduction
- Using the RPN Programs on the HP-12C
- Table Of Contents
- Table Of Contents
- Table Of Contents
- 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
- Black-Scholes Formula for Valuing European Options
- 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
- Markup and Margin Calculations
- Exponential Curve Fit
- Tax-Free Retirement Account (IRA) or Keogh Plan
- Learning Curve for Manufacturing Cost
- Subject Index
- Table Of Contents
12C
Table of contents
- Introduction
- Financial Calculations in the United Kingdom
- Table Of Contents
- Table Of Contents
- Table Of Contents
- Table Of Contents
- Table Of Contents
- Table Of Contents
- Part I. Problem Solving
- Section 1: Getting Started
- Keying in Numbers
- Keying in Large Numbers
- Simple Arithmetic Calculations
- Chain Calculations
- Storage Registers
- Clearing Storage Registers
- Percentage Functions
- Section 2: Percentage and Calendar Functions
- Percent of Total
- 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
- The Payment Mode
- 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
- Section 4: Additional Financial Functions
- Calculating Net Present Value (NPV)
- Calculating Internal Rate of Return (IRR)
- Reviewing Cash Flow Entries
- Changing Cash Flow Entries
- Bond Calculations
- Bond Price
- Depreciation Calculations
- Continuous Memory
- Section 5: Additional Operating Features
- Scientific Notation Display Format
- Special Displays
- Arithmetic Calculations With Constants
- Section 6: Statistics Functions
- Correcting Accumulated Statistics
- Standard Deviation
- Linear Estimation
- Weighted Mean
- One-Number Functions
- Section 7: Mathematics and Number-Alteration Functions
- The Power Function
- Part II. Programming
- Section 8: Programming Basics
- Running a Program
- Program Memory
- Identifying Instructions in Program Lines
- Displaying Program Lines
- The 00 Instruction and Program Line 00
- Expanding Program Memory
- Setting the Calculator to a Particular Program Line
- Executing a Program One Line at a Time
- 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
- Section 14: Leasing
- Solving for Yield
- Advance Payments With Residual
- Section 15: Savings
- Effective Rate Converted to Nominal Rate
- Nominal Rate Converted to Continuous Effective Rate
- Section 16: Bonds
- Annual Coupon Bonds
- Appendixes
- Appendix A: The Automatic Memory Stack
- Termination of Digit Entry
- One-Number Functions and the Stack
- Calendar and Financial Functions
- Appendix B: More About L
- Appendix C: Error Conditions
- Error 1: Storage Register Overflow
- Error 5: Compound Interest
- Error 7: IRR
- Appendix D: Formulas Used
- Compound Interest
- Discounted Cash Flow Analysis
- Bonds
- Depreciation
- Modified Internal Rate of Return
- Interest Rate Conversions
- Factorial
- Battery
- Appendix E: Battery, Warranty, and Service Information
- Warranty
- Service
- Regulatory Information
- European Union
- Mortgages
- Appendix F: United Kingdom Calculations
- Function Key Index
- Programming Key Index
- Subject Index
12C
Table of 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
12C
Table of contents
- Introduction
- Financial Calculations in the United Kingdom
- Table Of Contents
- Table Of Contents
- Table Of Contents
- Table Of Contents
- Table Of Contents
- Table Of Contents
- Part I. Problem Solving
- Section 1: Getting Started
- Keying in Numbers
- Keying in Large Numbers
- Simple Arithmetic Calculations
- Chain Calculations
- Storage Registers
- Clearing Storage Registers
- Percentage Functions
- Section 2: Percentage and Calendar Functions
- Percent of Total
- Calendar Functions
- 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
- The Payment Mode
- Compound Interest Calculations
- Calculating the Periodic and Annual Interest Rates
- Calculating the Present Value
- Calculating the Payment Amount
- Calculating the Future Value
- Amortization
- Section 4: Additional Financial Functions
- Calculating Net Present Value (NPV)
- Calculating Internal Rate of Return (IRR)
- Reviewing Cash Flow Entries
- Changing Cash Flow Entries
- Bond Calculations
- Bond Price
- Depreciation Calculations
- Continuous Memory
- Section 5: Additional Operating Features
- Scientific Notation Display Format
- Special Displays
- Arithmetic Calculations With Constants
- Section 6: Statistics Functions
- Correcting Accumulated Statistics
- Standard Deviation
- Linear Estimation
- Weighted Mean
- One-Number Functions
- Section 7: Mathematics and Number-Alteration Functions
- The Power Function
- Part II. Programming
- Section 8: Programming Basics
- Running a Program
- Program Memory
- Identifying Instructions in Program Lines
- Displaying Program Lines
- The 00 Instruction and Program Line 00
- Expanding Program Memory
- Setting the Calculator to a Particular Program Line
- Executing a Program One Line at a Time
- Interrupting Program Execution
- Stopping Program Execution
- Section 9: Branching and Looping
- Looping
- Conditional Branching
- Section 10: Program Editing
- Adding Instructions Within a Program
- Adding Instructions by Branching
- Storing Another Program
- 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
- Section 14: Leasing
- Solving for Yield
- Advance Payments With Residual
- Section 15: Savings
- Nominal Rate Converted to Continuous Effective Rate
- Section 16: Bonds
- Annual Coupon Bonds
- Appendixes
- Appendix A: The Automatic Memory Stack
- Termination of Digit Entry
- One-Number Functions and the Stack
- Calendar and Financial Functions
- Appendix B: More About L
- Appendix C: Error Conditions
- Error 1: Storage Register Overflow
- Error 5: Compound Interest
- Error 7: IRR
- Appendix D: Formulas Used
- Compound Interest
- Discounted Cash Flow Analysis
- Bonds
- Depreciation
- Modified Internal Rate of Return
- Interest Rate Conversions
- Factorial
- Battery
- Appendix E: Battery, Warranty, and Service Information
- Warranty
- Service
- Regulatory Information
- European Union
- Mortgages
- Appendix F: United Kingdom Calculations
- Function Key Index
- Programming Key Index
- Subject Index
12C
Table of contents
- Introduction
- Financial Calculations in the United Kingdom
- Table Of Contents
- Table Of Contents
- Table Of Contents
- Table Of Contents
- Table Of Contents
- Part I: Problem Solving
- Section 1: Getting Started
- Keying in Numbers
- Keying in Large Numbers
- The RPN and ALG Keys
- Chain Calculations in RPN Mode
- Storage Registers
- Storing and Recalling Numbers
- Clearing Storage Registers
- Percentage Functions
- Section 2: Percentage and Calendar Functions
- Percent of Total
- Calendar Functions
- Future or Past Dates
- Number of Days Between Dates
- Section 3: Basic Financial Functions
- Simple Interest Calculations
- 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
- Section 4: Additional Financial Functions
- Calculating Net Present Value (NPV)
- Calculating Internal Rate of Return (IRR)
- Reviewing Cash Flow Entries
- Changing Cash Flow Entries
- Bond Calculations
- Bond Yield
- Section 5: Additional Operating Features
- Number Display Formats
- Scientific Notation Display Format
- Special Displays
- Arithmetic Calculations With Constants
- Section 6: Statistics Functions
- Correcting Accumulated Statistics
- Standard Deviation
- Linear Estimation
- Weighted Mean
- Section 7: Mathematics and Number-Alteration Functions
- The Power Function
- Part II: Programming
- Section 8: Programming Basics
- Running a Program
- Program Memory
- Identifying Instructions in Program Lines
- displaying program lines
- The 000 Instruction and Program Line 000
- Setting the Calculator to a Particular Program Line
- Executing a Program One Line at a Time
- Interrupting Program Execution
- Stopping Program Execution
- Section 9: Branching and Looping
- Conditional Branching
- Section 10: Program Editing
- Adding Instructions at the End of a Program
- Adding Instructions by Replacement
- Adding Instructions by Branching
- Section 11: Multiple Programs
- Running Another Program
- annual percentage rate calculations with fees
- 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
- Deferred Annuities
- investment analysis
- Section 13: Investment Analysis
- Straight-Line Depreciation
- Declining-Balance Depreciation
- Sum-of-the-Years-Digits Depreciation
- Full- and Partial-Year Depreciation with Crossover
- Excess Depreciation
- Section 14: Leasing
- Solving for Yield
- Advance Payments With Residual
- Section 15: Savings
- Effective Rate Converted to Nominal Rate
- Nominal Rate Converted to Continuous Effective Rate
- Section 16: Bonds
- Annual Coupon Bonds
- Appendixes
- Appendix A: RPN and the Stack
- Termination of Digit Entry
- mathematics functions
- calendar and financial functions
- simple arithmetic calculations in alg mode
- Appendix B: Algebraic Mode (ALG)
- Percent Difference
- Appendix C: More About L
- error conditions
- Appendix D: Error Conditions
- simple interest
- Interest
- internal rate of return
- Net Present Value
- Advance Payments
- Mean
- installing a new battery
- Appendix F: Battery, Warranty, and Service Information
- Warranty
- Service
- Bonds
- function key index
- Factorial
- Programming Key Index
- Subject Index
12C
Table of contents
- About This Handbook
- Financial Calculations in the United Kingdom
- Table Of Contents
- Table Of Contents
- Table Of Contents
- Table Of Contents
- Table Of Contents
- Table Of Contents
- Table Of Contents
- 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
- rpn mode
- Calculating the Periodic and Annual Interest Rates
- Calculating the Present Value
- Calculating the Payment Amount
- Calculating the Future Value
- Odd-Period Calculations
- Amortization
- Section 4: Additional Financial Functions
- Calculating Net Present Value (NPV)
- Calculating Internal Rate of Return (IRR)
- Reviewing Cash Flow Entries
- Changing Cash Flow Entries
- Bond Calculations
- Bond Yield
- Depreciation Calculations
- Section 5: Additional Operating Features
- Number Display Formats
- Scientific Notation Display Format
- Special Displays
- Arithmetic Calculations With Constants
- 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 1
- Identifying Instructions in Program Lines 1
- The 000 Instruction and Program Line 000 1
- Setting the Calculator to a Particular Program Line 1
- Interrupting Program Execution 1
- 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
- Section 14: Leasing
- Solving for Yield
- Advance Payments With Residual
- Section 15: Savings
- Effective Rate Converted to Nominal Rate
- Continuous Rate Converted to Effective Rate
- Section 16: Bonds
- Annual Coupon Bonds
- Appendices
- Appendix A: RPN and the Stack
- Getting Numbers Into the Stack: The Key
- Termination of Digit Entry
- One-Number Functions and the Stack
- Mathematics Functions
- Calendar and Financial Functions
- Appendix B: Algebraic Mode (ALG)
- The History Stack in ALG Mode
- Parentheses Calculations
- Percent of Total
- Appendix C: More About L
- Error 0: Mathematics
- Appendix D: Error Conditions
- Error 5: Compound Interest
- Error 6: Storage Registers
- Error 8: Calendar
- Percentage
- Compound Interest
- Discounted Cash Flow Analysis
- Bonds
- Straight-Line Depreciation
- Statistics
- Batteries
- Verifying Proper Operation (Self-Tests)
- Perchlorate Material – special handling may apply
- HP Limited Hardware Warranty and Customer Care
- Customer Care
- Regulatory Information
- canadian notice
- European Union
- Appendix G: United Kingdom Calculations
- Annual Percentage Rate (APR) Calculations
- Function Key Index
- Programming Key Index
- Subject Index