Hp 12c financial calculator
hp 12c financial calculator
user's guide
H
Edition 4
HP Part Number 0012C-90001
File name: hp 12c_user's guide_English_HDPMBF12E44
Page: 1 of 209
Printed Date: 2005/7/29
Dimension: 14.8 cm x 21 cm
Notice
REGISTER YOUR PRODUCT AT: register.
THIS MANUAL AND ANY EXAMPLES CONTAINED HEREIN ARE
PROVIDED ¡°AS IS¡± AND ARE SUBJECT TO CHANGE WITHOUT NOTICE.
HEWLETT-PACKARD COMPANY MAKES NO WARRANTY OF ANY
KIND WITH REGARD TO THIS MANUAL, INCLUDING, BUT NOT
LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY,
NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE.
HEWLETT-PACKARD CO. SHALL NOT BE LIABLE FOR ANY ERRORS OR
FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES IN CONNECTION
WITH THE FURNISHING, PERFORMANCE, OR USE OF THIS MANUAL
OR THE EXAMPLES CONTAINED HEREIN.
? Copyright 1981, 2004 Hewlett-Packard Development Company, L.P.
Reproduction, adaptation, or translation of this manual is prohibited without prior
written permission of Hewlett-Packard Company, except as allowed under the
copyright laws.
Hewlett-Packard Company
4995 Murphy Canyon Rd,
Suite 301
San Diego, CA 92123
Printing History
Edition 4
August 2004
2
File name: hp 12c_user's guide_English_HDPMBF12E44
Printered Date: 2005/7/29
Page: 2 of 209
Dimension: 14.8 cm x 21 cm
Introduction
About This Handbook
This hp 12c user's guide is intended to help you get the most out of your
investment in your hp 12c Programmable Financial Calculator. Although the
excitement of acquiring this powerful financial tool may prompt you to set this
handbook aside and immediately begin ¡°pressing buttons,¡± in the long run you¡¯ll
profit by reading through this handbook and working through the examples it
contains.
Following this introduction is a brief section called Making Financial Calculations
Easy¡ªwhich shows you that your hp 12c does just that! The remainder of this
handbook is organized basically into three parts:
z
Part I (sections 1 through 7) describes how to use the various financial,
mathematics, statistics, and other functions (except for programming)
provided in the calculator:
z
Section 1 is about Getting Started. It tells you how to use the keyboard,
how to do simple arithmetic calculations and chain calculations, and
how to use the storage registers (¡°memories¡±).
z
Section 2 tells you how to use the percentage and calendar functions.
z
Section 3 tells you how to use the simple interest, compound interest, and
amortization functions.
z
Section 4 tells you how to do discounted cash flow analysis, bond, and
depreciation calculations.
z
Section 5 tells you about miscellaneous operating features such as
Continuous Memory, the display, and special function keys.
z
Sections 6 and 7 tell you how to use the statistics, mathematics, and
number-alteration functions.
z
Part II (sections 8 through 11) describe how to use the powerful
programming capabilities of the hp 12c.
z
Part III (sections 12 through 16) give you step-by-step solutions to specialized
problems in real estate, lending, savings, investment analysis, and bonds.
Some of these solutions can be done manually, while others involve running
a program. Since the programmed solutions are both self-contained and
step-by-step, you can easily employ them even if you don¡¯t care to learn how
to create your own programs. But if you do start to create your own
programs, look over the programs used in the solutions: they contain
examples of good programming techniques and practices.
3
File name: hp 12c_user's guide_English_HDPMBF12E44
Page: 3 of 209
Printed Date: 2005/7/29
Dimension: 14.8 cm x 21 cm
4
Introduction
z
The various appendices describe additional details of calculator operation as
well as warranty and service information.
z
The Function Key Index and Programming Key Index at the back of the
handbook can be used as a handy page reference to the comprehensive
information inside the manual
Financial Calculations in the United Kingdom
The calculations for most financial problems in the United Kingdom are identical to
the calculations for those problems in the United States ¡ª which are described in
this handbook. Certain problems, however, require different calculation methods in
the United Kingdom than in the United States. Refer to Appendix F for more
information.
For More Solutions to Financial Problems
In addition to the specialized solutions found in Sections 12 through 16 of this
handbook, many more are available in the optional hp 12c Solutions Handbook.
Included are solutions to problems in lending, forecasting, pricing, statistics,
savings, investment analysis, personal finance, securities, Canadian mortgages,
learning curves in manufacturing, and queuing theory. A Solutions Handbook is
available online (calculators).
File name: hp 12c_user's guide_English_HDPMBF12E44
Printered Date: 2005/7/29
Page: 4 of 209
Dimension: 14.8 cm x 21 cm
Contents
Introduction.................................................................... 3
About This Handbook .....................................................................3
Financial Calculations in the United Kingdom.....................................4
For More Solutions to Financial Problems...........................................4
Part I.
Problem Solving ......................................... 15
Section 1: Getting Started............................................. 16
Power On and Off........................................................................16
Low-Power Indication..............................................................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
Section 2: Percentage and Calendar Functions ................ 26
Percentage Functions.....................................................................26
Percentages ..........................................................................26
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
Section 3: Basic Financial Functions ............................... 32
The Financial Registers ..................................................................32
Storing Numbers Into the Financial Registers .............................32
Displaying Numbers in the Financial Registers ...........................32
5
File name: hp 12c_user's guide_English_HDPMBF12E44
Page: 5 of 209
Printed Date: 2005/7/29
Dimension: 14.8 cm x 21 cm
................
................
In order to avoid copyright disputes, this page is only a partial summary.
To fulfill the demand for quickly locating and searching documents.
It is intelligent file search solution for home and business.