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12C#ABA - 12C Financial Calculator
HP 12C#ABA - 12C Financial Calculator Manuals
Manuals and User Guides for HP 12C#ABA - 12C Financial Calculator. We have
3
HP 12C#ABA - 12C Financial Calculator manuals available for free PDF download: User Manual, Solutions Handbook, Quick Start Manual
HP 12C#ABA - 12C Financial Calculator User Manual (211 pages)
financial calculator
Brand:
HP
| Category:
Calculator
| Size: 1.75 MB
Table of Contents
Introduction
3
About this Handbook
3
Financial Calculations in the United Kingdom
4
For more Solutions to Financial Problems
4
Table of Contents
5
Contents
7
Part I. Problem Solving
15
Getting Started
16
Power on and off
16
Low-Power Indication
16
Section 1: Getting Started
16
The Keyboard
16
Keying in Numbers
17
Digit Separators
17
Negative Numbers
17
Keying in Large Numbers
18
The CLEAR Keys
18
Simple Arithmetic Calculations
19
Chain Calculations
20
Storage Registers
23
Storing and Recalling Numbers
23
Clearing Storage Registers
24
Storage Register Arithmetic
24
Percentage and Calendar Functions
26
Percentage Functions
26
Percentages
26
Section 2: Percentage and Calendar Functions
27
Net Amount
27
Percent Difference
27
Percent of Total
28
Calendar Functions
29
Date Format
29
Future or Past Dates
30
Number of Days between Dates
31
Basic Financial Functions
32
The Financial Registers
32
Storing Numbers into the Financial Registers
32
Displaying Numbers in the Financial Registers
32
Clearing the Financial Registers
33
Simple Interest Calculations
33
Financial Calculations and the Cash Flow Diagram
34
The Cash Flow Sign Convention
36
The Payment Mode
37
Generalized Cash Flow Diagrams
37
Compound Interest Calculations
39
Specifying the Number of Compounding Periods and the Periodic Interest Rate
39
Calculating the Number of Payments or Compounding Periods
39
Calculating the Periodic and Annual Interest Rates
43
Calculating the Present Value
44
Calculating the Payment Amount
46
Calculating the Future Value
48
Odd-Period Calculations
50
Amortization
54
Additional Financial Functions
57
Discounted Cash Flow Analysis: NPV and IRR
57
Calculating Net Present Value (NPV)
58
Calculating Internal Rate of Return (IRR)
63
Reviewing Cash Flow Entries
64
Changing Cash Flow Entries
65
Bond Calculations
66
Bond Price
67
Bond Yield
67
Depreciation Calculations
68
Additional Operating Features
70
Continuous Memory
70
Section 5: Additional Operating Features
71
The Display
71
Status Indicators
71
Number Display Formats
71
Scientific Notation Display Format
72
Special Displays
73
The Key
74
Key
74
Arithmetic Calculations with Constants
75
Recovering from Errors in Digit Entry
75
Statistics Functions
76
Accumulating Statistics
76
Correcting Accumulated Statistics
77
Mean
77
Standard Deviation
79
Linear Estimation
80
Weighted Mean
81
Mathematics and Number-Alteration Functions
83
One-Number Functions
83
Section 7: Mathematics and Number-Alteration Functions
84
The Power Function
85
Programming
87
Programming Basics
88
Why Use Programs
88
Creating a Program
88
Running a Program
89
Program Memory
90
Identifying Instructions in Program Lines
91
Displaying Program Lines
92
The 00 Instruction and Program Line 00
93
Expanding Program Memory
94
Setting the Calculator to a Particular Program Line
95
Executing a Program One Line at a Time
96
Interrupting Program Execution
97
Pausing During Program Execution
97
Stopping Program Execution
101
Branching and Looping
103
Simple Branching
103
Looping
104
Conditional Branching
107
Program Editing
113
Changing the Instruction in a Program Line
113
Adding Instructions at the End of a Program
114
Adding Instructions Within a Program
115
Adding Instructions by Replacement
115
Adding Instructions by Branching
116
Multiple Programs
120
Section 11: Multiple Programs
120
Storing Another Program
120
Running Another Program
122
Solutions
123
Part III. Solutions
123
Real Estate and Lending
124
Annual Percentage Rate Calculations with Fees
124
Section 12: Real Estate and Lending
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
Investment Analysis
136
Partial-Year Depreciation
136
Straight-Line Depreciation
136
Declining-Balance Depreciation
139
Sum-Of-The-Years-Digits Depreciation
141
Section 13: Investment Analysis
136
Full- and Partial-Year Depreciation with Crossover
144
Excess Depreciation
148
Modified Internal Rate of Return
148
Leasing
151
Advance Payments
151
Solving for Payment
151
Section 14: Leasing
151
Solving for Yield
154
Advance Payments with Residual
156
Solving for Payment
156
Solving for Yield
158
Savings
160
Nominal Rate Converted to Effective Rate
160
Section 15: Savings
160
Effective Rate Converted to Nominal Rate
161
Nominal Rate Converted to Continuous Effective Rate
162
Bonds
163
30/360 Day Basis Bonds
163
Section 16: Bonds
163
Annual Coupon Bonds
166
Appendixes
169
Appendix A: the Automatic Memory Stack
170
Getting Numbers into the Stack: the Key
171
Termination of Digit Entry
172
Stack Lift
172
Rearranging Numbers in the Stack
172
The Key
172
One-Number Functions and the Stack
173
Two-Number Functions and the Stack
173
Mathematics Functions
173
Percentage Functions
174
Calendar and Financial Functions
175
The LAST X Register and the Key
176
Chain Calculations
176
Arithmetic Calculations with Constants
177
Appendix B: more about L
179
Appendix C: Error Conditions
181
Error 0: Mathematics
181
Error 1: Storage Register Overflow
182
Error 2: Statistics
182
Error 3: IRR
182
Error 4: Memory
182
Error 5: Compound Interest
183
Error 6: Storage Registers
183
Error 7: IRR
184
Error 8: Calendar
184
Error 9: Service
184
Pr Error
184
Appendix D: Formulas Used
185
Percentage
185
Interest
185
Simple Interest
185
Compound Interest
186
Amortization
186
Discounted Cash Flow Analysis
187
Net Present Value
187
Internal Rate of Return
187
Calendar
187
Actual Day Basis
187
30/360 Day Basis
187
Bonds
188
Depreciation
189
Straight-Line Depreciation
189
Sum-Of-The-Years-Digits Depreciation
189
Declining-Balance Depreciation
190
Modified Internal Rate of Return
190
Advance Payments
190
Interest Rate Conversions
191
Finite Compounding
191
Continuous Compounding
191
Statistics
191
Mean
191
Weighted Mean
191
Linear Estimation
191
Standard Deviation
192
Factorial
192
The Rent or Buy Decision
192
Appendix E: Battery, Warranty, and Service Information
193
Battery
193
Low-Power Indication
193
Installing a New Battery
193
Verifying Proper Operation (Self-Tests)
194
Warranty
196
Service
197
Regulatory Information
199
Temperature Specifications
199
Noise Declaration
199
Disposal of Waste Equipment by Users in Private Household in the European Union
200
Appendix F: United Kingdom Calculations
201
Mortgages
201
Annual Percentage Rate (APR) Calculations
202
Bond Calculations
202
Function Key Index
203
Programming Key Index
206
Subject Index
208
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HP 12C#ABA - 12C Financial Calculator Solutions Handbook (166 pages)
financial calculator
Brand:
HP
| Category:
Calculator
| Size: 1.87 MB
Table of Contents
Real Estate
3
Refinancing
3
To Find the Benefits to both Borrower and Lender
3
Wrap-Around Mortgage
4
Income Property Cash Flow Analysis
8
Before-Tax Cash Flows
8
Before-Tax Reversions (Resale Proceeds)
9
After-Tax Cash Flows
10
After-Tax Net Cash Proceeds of Resale
16
Lending
21
Loan with a Constant Amount Paid Towards Principal
21
Loan Reduction Schedule
21
Add-On Interest Rate Converted to APR
22
APR Converted to Add-On Interest Rate
23
Add-On Rate Loan with Credit Life
24
Interest Rebate - Rule of 78'S
28
Graduated Payment Mortgages
30
Variable Rate Mortgages
35
Skipped Payments
37
Savings
39
Initial Deposit with Periodic Deposits
39
Number of Periods to Deplete a Savings Account or to Reach a Specified Balance
40
Periodic Deposits and Withdrawals
40
The Cash Flow Diagram
41
Savings Account Compounded Daily
42
Compounding Periods Different from Payment Periods
45
Investment Analysis
48
Lease Vs. Purchase
48
Registers
50
Break-Even Analysis
53
To Calculate the Break-Even Volume
54
To Calculate the Gross Profit at a Given Volume
54
To Calculate the Sales Volume Needed to Achieve a Specified Gross Profit
55
To Calculate the Required Sales Price to Achieve a Given Gross Profit at a Specified Sales Volume
55
Operating Leverage
58
Profit and Loss Analysis
60
Securities
66
After-Tax Yield
66
Discounted Notes
68
Forecasting
72
Simple Moving Average
72
Seasonal Variation Factors Based on Centered Moving Averages
77
Forecasting with Exponential Smoothing
88
Selecting the "Best" Smoothing Constant
91
Pricing Calculations
94
Markup and Margin Calculations
94
Calculations of List and Net Prices with Discounts
96
Statistics
100
Curve Fitting
100
Exponential Curve Fit
100
Logarithmic Curve Fit
104
Power Curve Fit
106
Standard Error of the Mean
107
Mean, Standard Deviation, Standard Error for Grouped Data
108
Chi-Square Statistics
111
Normal Distribution
114
Covariance
118
Permutation
120
Combination
122
Random Number Generator
123
Personal Finance
125
Homeowners Monthly Payment Estimator
125
Tax-Free Individual Retirement (IRA) of Keogh Plan
128
Stock Portfolio Evaluation and Analysis
131
Canadian Mortgages
137
Periodic Payment Amount
137
Number of Periodic Payments to Fully Amortize a Mortgage
138
Effective Interest Rate (Yield)
138
Balance Remaining at End of Specified Period
138
Miscellaneous
140
Learning Curve for Manufacturing Costs
140
Queuing and Waiting Theory
144
Loans with a Constant Amount Paid Towards Principal
152
Add-On Interest Rate to APR
152
Add-On to APR with Credit Life
152
Seasonal Variation Factors Based on a Centered Moving Average
156
Calculations of List and Net Prices with Discounts
160
Exponential Curve Fit
160
Power Curve Fit
161
Portfolio Beta Coefficient
163
Graduated Payment Mortgage
164
HP 12C#ABA - 12C Financial Calculator Quick Start Manual (36 pages)
Financial Calculator
Brand:
HP
| Category:
Calculator
| Size: 0.69 MB
Table of Contents
Table of Contents
3
Welcome to Your HP 12C Financial Calculator
5
The Keys
5
Customizing the Calculator
6
Storage Registers and Continuous Memory
11
Reverse Polish Notation (RPN) Mode
11
Keys and Functions
14
Basic Financial Calculation Example
22
Warranty and Contact Information
24
Replacing the Batteries
24
HP Limited Hardware Warranty and Customer Care
24
Limited Hardware Warranty Period
25
General Terms
25
Customer Care
27
Product Regulatory & Environment Information
32
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