Table Of Contents; Contents - HP 12c Platinum Reference Manual

Introduction ........................................................................................................................ 2
About This Handbook..................................................................................................... 2
Presentation of Algebraic and RPN ................................................................................ 2
Using the RPN Programs on the HP-12C ....................................................................... 3
Contents.............................................................................................................................. 4
Real Estate .......................................................................................................................... 7
Refinancing..................................................................................................................... 7
Wrap-Around Mortgage ................................................................................................. 8
Income Property Cash Flow Analysis........................................................................... 12
Before-Tax Cash Flows ............................................................................................ 12
Before-Tax Reversions (Resale Proceeds)................................................................ 13
After-Tax Cash Flows............................................................................................... 14
After-Tax Net Cash Proceeds of Resale.................................................................... 19
Lending............................................................................................................................. 24
Loan With a Constant Amount Paid Towards Principal ............................................... 24
Add-On Interest Rate Converted to APR...................................................................... 25
APR Converted to Add-On Interest Rate...................................................................... 26
Add-On Rate Loan with Credit Life ............................................................................. 27
Interest Rebate - Rule of 78's........................................................................................ 30
Graduated Payment Mortgages..................................................................................... 32
Variable Rate Mortgages .............................................................................................. 36
Skipped Payments......................................................................................................... 38
Savings ............................................................................................................................. 40
Initial Deposit with Periodic Deposits .......................................................................... 40
Number of Periods to Deplete a Savings Account or to Reach a Specified Balance .... 41
Periodic Deposits and Withdrawals .............................................................................. 42
Savings Account Compounded Daily ........................................................................... 44
Compounding Periods Different From Payment Periods.............................................. 46
Investment Analysis.......................................................................................................... 49
Lease vs. Purchase ........................................................................................................ 49
Break-Even Analysis .................................................................................................... 53
Operating Leverage ...................................................................................................... 59
Profit and Loss Analysis ............................................................................................... 61
Securities and Options ...................................................................................................... 65
After-Tax Yield ............................................................................................................ 65
Discounted Notes.......................................................................................................... 67
Black-Scholes Formula for Valuing European Options................................................ 69

Contents

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