hp 12c_solutions handbook_English_E.pdf
Page 13
... and press CLEAR . 2. Key in Operational cost and press 3. 12 1 2 0 1 09 55- 20 56- 45 14 57- 1 58- 2 59- 20 60- 40 61- 45 0 62- 30 63- 45 1 64- 43 31 65- 34 66- 31 67-43, 33 09 n: Used PV: Used FV: 0 R1: Counter R3: Oper. life R7: Tax Rate...
... and press CLEAR . 2. Key in Operational cost and press 3. 12 1 2 0 1 09 55- 20 56- 45 14 57- 1 58- 2 59- 20 60- 40 61- 45 0 62- 30 63- 45 1 64- 43 31 65- 34 66- 31 67-43, 33 09 n: Used PV: Used FV: 0 R1: Counter R3: Oper. life R7: Tax Rate...
hp 12c_solutions handbook_English_E.pdf
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Keystrokes Display CLEAR 100000 20 12.25 30 9900 2 3291.75 3 75000 4 20 5 80,000.00 Mortgage amount. 1.02 360 -838.32 9,900.00 3,291.75 75,000.00 20.00 Monthly interest ... ATCF. Operating expenses are the After-Tax Cash Flows for that year. Key in the growth rate in Potential Gross Income ( 0 for $100,000 with a 30-year loan at line 32 in the Marginal Tax Rate (as a percentage) and press 7. 9. Example 1: A triplex was recently purchased for no growth) and press 9. 11...
Keystrokes Display CLEAR 100000 20 12.25 30 9900 2 3291.75 3 75000 4 20 5 80,000.00 Mortgage amount. 1.02 360 -838.32 9,900.00 3,291.75 75,000.00 20.00 Monthly interest ... ATCF. Operating expenses are the After-Tax Cash Flows for that year. Key in the growth rate in Potential Gross Income ( 0 for $100,000 with a 30-year loan at line 32 in the Marginal Tax Rate (as a percentage) and press 7. 9. Example 1: A triplex was recently purchased for no growth) and press 9. 11...
hp 12c_solutions handbook_English_E.pdf
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The user may change to a different depreciation method by keying in the desired function at line 35 in place of . KEYSTROKES DISPLAY CLEAR 2 4 1 2 0 CLEAR 3 4 5 00- 01- 43 8 02- 44 2 03- 33 04- 25 05- 30 06- 44 0 07- 30 08- 48 09- 4 10- 20 11- 44 1 12- 45 14 13- 42 14 14- 14 15- 45 2 16- 43 11 17- 15 18-44 40 0 19- 42 34 20- 45 3 21- 13 22- 45 4 23- 11 24- 45 5 16
The user may change to a different depreciation method by keying in the desired function at line 35 in place of . KEYSTROKES DISPLAY CLEAR 2 4 1 2 0 CLEAR 3 4 5 00- 01- 43 8 02- 44 2 03- 33 04- 25 05- 30 06- 44 0 07- 30 08- 48 09- 4 10- 20 11- 44 1 12- 45 14 13- 42 14 14- 14 15- 45 2 16- 43 11 17- 15 18-44 40 0 19- 42 34 20- 45 3 21- 13 22- 45 4 23- 11 24- 45 5 16
hp 12c_solutions handbook_English_E.pdf
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2 2 6 1 2 1 6 2 1 0 00 n: Used PV: Used FV: Used R1: Used 25- 12 26- 45 2 27- 42 23 28- 45 2 29- 20 30- 48 31- 6 32- 20 33-44 40 1 34- 45 2 35- 42 25 36- 34 37- 45 13 38- 30 39-44 40 1 40- 45 6 41- 26 42- 2 43- 10 44- 45 1 45- 20 46- 45 0 47- 40 48-43 33 00 REGISTERS i: Used PMT: Used R0: Used R2: Desired yr. 17
2 2 6 1 2 1 6 2 1 0 00 n: Used PV: Used FV: Used R1: Used 25- 12 26- 45 2 27- 42 23 28- 45 2 29- 20 30- 48 31- 6 32- 20 33-44 40 1 34- 45 2 35- 42 25 36- 34 37- 45 13 38- 30 39-44 40 1 40- 45 6 41- 26 42- 2 43- 10 44- 45 1 45- 20 46- 45 0 47- 40 48-43 33 00 REGISTERS i: Used PMT: Used R0: Used R2: Desired yr. 17
hp 12c_solutions handbook_English_E.pdf
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Add-On Rate Loan with Credit Life. If other rounding techniques are used, slightly different results may occur. This HP-12C program calculates the monthly payment amount, credit life amount (an optional insurance which cancels any remaining indebtedness at the death of the borrower), total finance ...1 2 0 0 4 2 1 4 4 1 00- 01- 43 8 02- 1 03- 45 0 04- 1 05- 2 06- 0 07- 0 08- 10 09- 44 4 10- 45 2 11- 20 12- 30 13- 43 36 14- 45 1 15- 20 16- 45 4 17- 20 18- 30 19- 45 4 20- 45 1 21- 20 23 The monthly payment is rounded (in normal manner) to the nearest cent.
Add-On Rate Loan with Credit Life. If other rounding techniques are used, slightly different results may occur. This HP-12C program calculates the monthly payment amount, credit life amount (an optional insurance which cancels any remaining indebtedness at the death of the borrower), total finance ...1 2 0 0 4 2 1 4 4 1 00- 01- 43 8 02- 1 03- 45 0 04- 1 05- 2 06- 0 07- 0 08- 10 09- 44 4 10- 45 2 11- 20 12- 30 13- 43 36 14- 45 1 15- 20 16- 45 4 17- 20 18- 30 19- 45 4 20- 45 1 21- 20 23 The monthly payment is rounded (in normal manner) to the nearest cent.
hp 12c_solutions handbook_English_E.pdf
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... of installments for a prepaid consumer loan using the Rule of months in payment number when prepayment occurs and press 2 1 . 3. The following HP-12C program can be used to obtain the unearned interest (rebate). 4. Interest Rebate - Key in number of 78's. Key in periodic payment amount and...as the remaining principal balance due for which the loan was written, and the total finance charge (amount of principal outstanding. Example 1: A 30 month $1000 loan having a finance charge of 78's This procedure finds the unearned interest rebate, as well as follows: 1. Rule of $...
... of installments for a prepaid consumer loan using the Rule of months in payment number when prepayment occurs and press 2 1 . 3. The following HP-12C program can be used to obtain the unearned interest (rebate). 4. Interest Rebate - Key in number of 78's. Key in periodic payment amount and...as the remaining principal balance due for which the loan was written, and the total finance charge (amount of principal outstanding. Example 1: A 30 month $1000 loan having a finance charge of 78's This procedure finds the unearned interest rebate, as well as follows: 1. Rule of $...
hp 12c_solutions handbook_English_E.pdf
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0 2 1 2 2 1 0 1 1 2 2 00 n: Unused 01- 44 0 02- 33 03- 44 2 04- 33 05- 44 1 06- 45 2 07- 30 08- 44 2 09- 1 10- 40 11- 45 0 12- 20 13- 45 1 14- 36 15- 20 16- 45 1 17- 40 18- 10 19- 45 2 20- 20 21- 31 22- 45 2 23- 20 24- 34 25- 30 26-43, 33 00 REGISTERS i: Unused 28
0 2 1 2 2 1 0 1 1 2 2 00 n: Unused 01- 44 0 02- 33 03- 44 2 04- 33 05- 44 1 06- 45 2 07- 30 08- 44 2 09- 1 10- 40 11- 45 0 12- 20 13- 45 1 14- 36 15- 20 16- 45 1 17- 40 18- 10 19- 45 2 20- 20 21- 31 22- 45 2 23- 20 24- 34 25- 30 26-43, 33 00 REGISTERS i: Unused 28
hp 12c_solutions handbook_English_E.pdf
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... in the total finance charge and press interest (rebate). The result is that the payments increase, the following HP-12C program determines the monthly payments and remaining balance for each year for remaining life of 30 25 5.81 Rebate. 180 39.33 190.84 Outstanding principal. PV: Unused FV: Unused R1: Payment# R3...
... in the total finance charge and press interest (rebate). The result is that the payments increase, the following HP-12C program determines the monthly payments and remaining balance for each year for remaining life of 30 25 5.81 Rebate. 180 39.33 190.84 Outstanding principal. PV: Unused FV: Unused R1: Payment# R3...
hp 12c_solutions handbook_English_E.pdf
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1 3 1 1 74 48 4 76 n: Used PV: Used FV: Used R1: Used R3: Used R5-R9: Unused 1. Key in the program. 56- 20 57- 16 58- 42 14 59- 14 60- 31 61- 15 62- 15 63- 42 14 64- 31 65- 16 66- 13 67- 1 68-44 40 3 69-44 30 1 70- 45 1 71- 43 35 72-43, 33 74 73-43, 33 48 74- 45 4 75- 16 76- 31 77-43, 33 76 REGISTERS i: i/12 PMT: Used R0: Used R2: Used R4: Level Pmt. 32
1 3 1 1 74 48 4 76 n: Used PV: Used FV: Used R1: Used R3: Used R5-R9: Unused 1. Key in the program. 56- 20 57- 16 58- 42 14 59- 14 60- 31 61- 15 62- 15 63- 42 14 64- 31 65- 16 66- 13 67- 1 68-44 40 3 69-44 30 1 70- 45 1 71- 43 35 72-43, 33 74 73-43, 33 48 74- 45 4 75- 16 76- 31 77-43, 33 76 REGISTERS i: i/12 PMT: Used R0: Used R2: Used R4: Level Pmt. 32
hp 12c_solutions handbook_English_E.pdf
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...for each year until a level payment is reached. c. The monthly payments will be graduating at an annual rate of the loan. 8. Keystrokes Display CLEAR 0.00 30 30.00 Term 12.5 12.50 Annual interest rate 50000 50,000.00 Loan amount 5 5.00 Rate of graduation (as a percent) and press . 7. a. ...$50,000 over the remaining term of 5% for the first 5 years and then will stop, displaying the monthly payment over a period of 30 years at the end of 12.5%. The current year. The monthly payment for the first 6 years? unless the level payment is for the remaining...
...for each year until a level payment is reached. c. The monthly payments will be graduating at an annual rate of the loan. 8. Keystrokes Display CLEAR 0.00 30 30.00 Term 12.5 12.50 Annual interest rate 50000 50,000.00 Loan amount 5 5.00 Rate of graduation (as a percent) and press . 7. a. ...$50,000 over the remaining term of 5% for the first 5 years and then will stop, displaying the monthly payment over a period of 30 years at the end of 12.5%. The current year. The monthly payment for the first 6 years? unless the level payment is for the remaining...
hp 12c_solutions handbook_English_E.pdf
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...annual interest rate (as a percent- Key in the number of years since the last adjustment. Key in the previous remaining balance. With a 30-year term, his house 3 years ago with a $50,000 variable rate mortgage. Keystrokes Display CLEAR 50000 11.5 3 495.15 50,000.00...amount of the mortgage: c. Key in the remaining balance of the loan. e. CLEAR 3. To calculate the revised remaining term of loan. 0.96 36.00 -495.15 Original monthly interest rate. To calculate the remaining balance, do the following: a. Press . If this is the first mortgage adjustment, ...
...annual interest rate (as a percent- Key in the number of years since the last adjustment. Key in the previous remaining balance. With a 30-year term, his house 3 years ago with a $50,000 variable rate mortgage. Keystrokes Display CLEAR 50000 11.5 3 495.15 50,000.00...amount of the mortgage: c. Key in the remaining balance of the loan. e. CLEAR 3. To calculate the revised remaining term of loan. 0.96 36.00 -495.15 Original monthly interest rate. To calculate the remaining balance, do the following: a. Press . If this is the first mortgage adjustment, ...
hp 12c_solutions handbook_English_E.pdf
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... number of years in the annual interest rate as follows: 1. Press and press CLEAR . 2. CLEAR -49,316.74 49,316.74 Remaining balance. 11.75 30 3 0.98 27.00 324.00 Adjusted monthly interest. To find the monthly payment amount necessary to make nine payments per year, but the interest will...
... number of years in the annual interest rate as follows: 1. Press and press CLEAR . 2. CLEAR -49,316.74 49,316.74 Remaining balance. 11.75 30 3 0.98 27.00 324.00 Adjusted monthly interest. To find the monthly payment amount necessary to make nine payments per year, but the interest will...
hp 12c_solutions handbook_English_E.pdf
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... in the annual nominal interest rate as a percentage and press . 5. to date, press 3. 43 3 2 1 0 13 26- 40 27-44 40 3 28- 45 15 29- 45 2 30- 40 31- 16 32- 13 33- 45 1 34- 44 0 35- 45 13 36- 16 37-43, 33 13 n: ∆days PV: Used FV: Used R1...
... in the annual nominal interest rate as a percentage and press . 5. to date, press 3. 43 3 2 1 0 13 26- 40 27-44 40 3 28- 45 15 29- 45 2 30- 40 31- 16 32- 13 33- 45 1 34- 44 0 35- 45 13 36- 16 37-43, 33 13 n: ∆days PV: Used FV: Used R1...
hp 12c_solutions handbook_English_E.pdf
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...HP-12C program assumes that the purchase is financed with a loan and that the loan is possible to simplify a number of capital. The tax advantages of interest paid, depreciation, and the investment credit which accrues from ownership are discounted to the tax advantage of the lease. KEYSTROKES DISPLAY CLEAR 1 0 3 8 1 1 9 00- 01- 30... 02- 1 03-44 40 0 04- 45 3 05- 30 06- 20 07- 44 8 08- 1 09- 42 11 10- 44 1 11- 45 13 12- 44 9 13- 45 14...
...HP-12C program assumes that the purchase is financed with a loan and that the loan is possible to simplify a number of capital. The tax advantages of interest paid, depreciation, and the investment credit which accrues from ownership are discounted to the tax advantage of the lease. KEYSTROKES DISPLAY CLEAR 1 0 3 8 1 1 9 00- 01- 30... 02- 1 03-44 40 0 04- 45 3 05- 30 06- 20 07- 44 8 08- 1 09- 42 11 10- 44 1 11- 45 13 12- 44 9 13- 45 14...
hp 12c_solutions handbook_English_E.pdf
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12000 12,000.00 Fixed cost. 4500 16,500.00 2500 6.75 6.60 13.35 Sales price per unit to achieve desired gross profit. For repeated calculation the following HP-12C program can be used. KEYSTROKES DISPLAY CLEAR 3 2 00 4 1 00 5 1 00 1 5 4 00- 01- 45 3 02- 45 2 03- 30 04-43, 33 00 05- 45 4 06- 20 07- 45 1 08- 30 09-43, 33 00 10- 45 5 11- 45 1 12- 40 13- 34 14- 10 15-43, 33 00 16- 45 1 17- 45 5 18- 40 19- 45 4 20- 10 55
12000 12,000.00 Fixed cost. 4500 16,500.00 2500 6.75 6.60 13.35 Sales price per unit to achieve desired gross profit. For repeated calculation the following HP-12C program can be used. KEYSTROKES DISPLAY CLEAR 3 2 00 4 1 00 5 1 00 1 5 4 00- 01- 45 3 02- 45 2 03- 30 04-43, 33 00 05- 45 4 06- 20 07- 45 1 08- 30 09-43, 33 00 10- 45 5 11- 45 1 12- 40 13- 34 14- 10 15-43, 33 00 16- 45 1 17- 45 5 18- 40 19- 45 4 20- 10 55
hp 12c_solutions handbook_English_E.pdf
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... the breakeven point and lesssensitive to obtain the operating leverage. 3. For repeated calculations the following HP-12C program can be used: KEYSTROKES DISPLAY CLEAR 3 2 1 00 00- 01- 45 3 02- 45 2 03- 30 04- 20 05- 36 06- 36 07- 45 1 08- 30 09- 10 10-43, 33 00 58 Key in the fixed cost and...25.00 13.00 6.25 1.62 Close to break-even point. Example 1: For the data given in the number of the Break-Even Analysis section, calculate the operating leverage at 2000 units and at 5000 units when the sales price is $13 a copy Keystrokes Display 13 13.00 Price per copy...
... the breakeven point and lesssensitive to obtain the operating leverage. 3. For repeated calculations the following HP-12C program can be used: KEYSTROKES DISPLAY CLEAR 3 2 1 00 00- 01- 45 3 02- 45 2 03- 30 04- 20 05- 36 06- 36 07- 45 1 08- 30 09- 10 10-43, 33 00 58 Key in the fixed cost and...25.00 13.00 6.25 1.62 Close to break-even point. Example 1: For the data given in the number of the Break-Even Analysis section, calculate the operating leverage at 2000 units and at 5000 units when the sales price is $13 a copy Keystrokes Display 13 13.00 Price per copy...
hp 12c_solutions handbook_English_E.pdf
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1 0 00 1 1 0 00 5 6 00 4 6 00 n: Unused PV: Unused 23- 16 24- 1 25- 40 26- 45 0 27- 20 28-43, 33 0 29- 10 30- 16 31- 45 1 32- 40 33- 45 1 34- 10 35- 45 0 36- 20 37-43, 33 00 38- 45 5 39- 45 6 40- 10 41- 30 42-43, 33 00 43- 45 5 44- 30 45- 45 6 46- 20 47-43, 33 00 REGISTERS i: Unused PMT: Unused 61
1 0 00 1 1 0 00 5 6 00 4 6 00 n: Unused PV: Unused 23- 16 24- 1 25- 40 26- 45 0 27- 20 28-43, 33 0 29- 10 30- 16 31- 45 1 32- 40 33- 45 1 34- 10 35- 45 0 36- 20 37-43, 33 00 38- 45 5 39- 45 6 40- 10 41- 30 42-43, 33 00 43- 45 5 44- 30 45- 45 6 46- 20 47-43, 33 00 REGISTERS i: Unused PMT: Unused 61
hp 12c_solutions handbook_English_E.pdf
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What reduction in manufacturing cost would achieve the same result without necessitating an increase in list price above $11.98? 13 7.79 01 2.30 Manufacturing cost ($). 64
What reduction in manufacturing cost would achieve the same result without necessitating an increase in list price above $11.98? 13 7.79 01 2.30 Manufacturing cost ($). 64
hp 12c_solutions handbook_English_E.pdf
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... 02- 44 7 03- 33 04- 44 6 05- 45 2 06- 45 1 07- 30 08- 45 4 09- 25 10- 45 2 11- 34 12- 30 13- 26 14- 2 15- 10 16- 44 0 17- 45 3 18- 45 5 65 Securities After-Tax Yield The following HP-12C program calculate the after -tax computations, the interest or coupon payments are considered...
... 02- 44 7 03- 33 04- 44 6 05- 45 2 06- 45 1 07- 30 08- 45 4 09- 25 10- 45 2 11- 34 12- 30 13- 26 14- 2 15- 10 16- 44 0 17- 45 3 18- 45 5 65 Securities After-Tax Yield The following HP-12C program calculate the after -tax computations, the interest or coupon payments are considered...
hp 12c_solutions handbook_English_E.pdf
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... the program. Key in the income tax rate (as a percentage) and press 5. 0 1 0 6 7 00 19- 25 20- 30 21- 45 0 22- 10 23- 14 24- 45 1 25- 45 0 26- 10 27- 13 28- 45 6 29- 45 7 30- 42 22 31-43, 33 00 n: Unused PV: Used FV: 0 R1: Purchase price R3: Coupon rate...
... the program. Key in the income tax rate (as a percentage) and press 5. 0 1 0 6 7 00 19- 25 20- 30 21- 45 0 22- 10 23- 14 24- 45 1 25- 45 0 26- 10 27- 13 28- 45 6 29- 45 7 30- 42 22 31-43, 33 00 n: Unused PV: Used FV: 0 R1: Purchase price R3: Coupon rate...