HP 12c User Manual page 8

8 Contents
Section 11: Multiple Programs ...................................... 120
Storing Another Program ............................................................ 120
Running Another Program........................................................... 122
Solutions .................................................. 123
Part III.
Section 12: Real Estate and Lending .............................. 124
Annual Percentage Rate Calculations With Fees............................. 124
Price of a Mortgage Traded at a Discount or Premium.................... 126
Yield of a Mortgage Traded at a Discount or Premium ................... 128
The Rent or Buy Decision ............................................................ 130
Deferred Annuities ..................................................................... 134
Section 13: Investment Analysis .................................... 136
Partial-Year Depreciation............................................................. 136
Straight-Line Depreciation..................................................... 136
Declining-Balance Depreciation ............................................ 139
Sum-of-the-Years-Digits Depreciation ...................................... 141
Full- and Partial-Year Depreciation with Crossover .......................... 144
Excess Depreciation ................................................................... 148
Modified Internal Rate of Return................................................... 148
Section 14: Leasing ...................................................... 151
Advance Payments..................................................................... 151
Solving For Payment ............................................................ 151
Solving for Yield ................................................................. 154
Advance Payments With Residual ................................................ 156
Solving for Payment............................................................. 156
Solving For Yield................................................................. 158
Section 15: Savings...................................................... 160
Nominal Rate Converted to Effective Rate ..................................... 160
Effective Rate Converted to Nominal Rate ..................................... 161
Nominal Rate Converted to Continuous Effective Rate..................... 162
Section 16: Bonds ........................................................ 163
30/360 Day Basis Bonds........................................................... 163
Annual Coupon Bonds ............................................................... 166
File name: hp 12c_user's guide_English_HDPMBF12E44
Printered Date: 2005/7/29
Page: 8 of 209
Dimension: 14.8 cm x 21 cm