User Guide
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... SUBJECT TO CHANGE WITHOUT NOTICE. Hewlett-Packard Company 4995 Murphy Canyon Rd, Suite 301 San Diego, CA 92123 Printing History Edition 4 March 2005 File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 2 of Hewlett-Packard Company, except as allowed under the copyright laws. Reproduction, adaptation, or translation of this manual is prohibited without prior...
... SUBJECT TO CHANGE WITHOUT NOTICE. Hewlett-Packard Company 4995 Murphy Canyon Rd, Suite 301 San Diego, CA 92123 Printing History Edition 4 March 2005 File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 2 of Hewlett-Packard Company, except as allowed under the copyright laws. Reproduction, adaptation, or translation of this manual is prohibited without prior...
User Guide
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...this introduction is a brief section called Making Financial Calculations Easy-which shows you that ! The remainder of the hp 12c platinum. z Section 3 tells you how to use the percentage and calendar functions. Introduction About This Handbook This hp 12c platinum user's guide is intended to help you... immediately begin "pressing buttons," in the long run you'll profit by -step solutions to specialized problems in your hp 12c platinum Programmable Financial Calculator. It tells you how to use the keyboard, how to use the statistics, mathematics, and number-alteration functions....
...this introduction is a brief section called Making Financial Calculations Easy-which shows you that ! The remainder of the hp 12c platinum. z Section 3 tells you how to use the percentage and calendar functions. Introduction About This Handbook This hp 12c platinum user's guide is intended to help you... immediately begin "pressing buttons," in the long run you'll profit by -step solutions to specialized problems in your hp 12c platinum Programmable Financial Calculator. It tells you how to use the keyboard, how to use the statistics, mathematics, and number-alteration functions....
User Guide
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...of 275 Printed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm which are available in the optional hp 12c platinum Solutions Handbook. Included are identical to the calculations for those problems in Sections 12 through 16 of the handbook can be used as a handy page ... and Programming Key Index at the hp 12c platinum website. The solutions handbook is available online at the back of this handbook. Refer to the comprehensive information inside the manual. Financial Calculations in the United Kingdom The calculations for most financial problems in the United Kingdom are ...
...of 275 Printed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm which are available in the optional hp 12c platinum Solutions Handbook. Included are identical to the calculations for those problems in Sections 12 through 16 of the handbook can be used as a handy page ... and Programming Key Index at the hp 12c platinum website. The solutions handbook is available online at the back of this handbook. Refer to the comprehensive information inside the manual. Financial Calculations in the United Kingdom The calculations for most financial problems in the United Kingdom are ...
User Guide
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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 Adjusting the Display Contrast 16 The Keyboard ... 32 Net Amount in RPN Mode 33 Net Amount in ALG Mode 33 Percent Difference 34 Percent of Total in RPN Mode 35 5 File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 5 of 275 Printed Date: 2005/8/1 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 Adjusting the Display Contrast 16 The Keyboard ... 32 Net Amount in RPN Mode 33 Net Amount in ALG Mode 33 Percent Difference 34 Percent of Total in RPN Mode 35 5 File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 5 of 275 Printed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm
User Guide
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... Dates 40 Section 3: Basic Financial Functions 41 The Financial Registers 41 Storing Numbers into the Financial Registers 41 Displaying Numbers in the Financial Registers 41 Clearing the Financial Registers 42 Simple Interest Calculations 42 Financial Calculations and the Cash Flow Diagram ...Flow Entries 79 Changing Cash Flow Entries 80 Bond Calculations 82 Bond Price 82 Bond Yield 83 Depreciation Calculations 84 Section 5: Additional Operating Features 86 Continuous Memory 86 The Display 87 File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 6 of 275 Printed Date...
... Dates 40 Section 3: Basic Financial Functions 41 The Financial Registers 41 Storing Numbers into the Financial Registers 41 Displaying Numbers in the Financial Registers 41 Clearing the Financial Registers 42 Simple Interest Calculations 42 Financial Calculations and the Cash Flow Diagram ...Flow Entries 79 Changing Cash Flow Entries 80 Bond Calculations 82 Bond Price 82 Bond Yield 83 Depreciation Calculations 84 Section 5: Additional Operating Features 86 Continuous Memory 86 The Display 87 File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 6 of 275 Printed Date...
User Guide
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... Scientific Notation Display Format 88 Special Displays 90 The Key in RPN Mode 90 The Key in RPN Mode 91 Arithmetic Calculations With Constants 91 Recovering From Errors in Digit Entry 92 Section 6: Statistics Functions 93 Accumulating Statistics 93 Correcting Accumulated Statistics ... in Program Lines 108 Displaying Program Lines 109 The 000 Instruction and Program Line 000 112 Expanding Program Memory 112 Setting the Calculator to a Particular Program Line 114 Executing a Program One Line at a Time 114 Interrupting Program Execution 117 Pausing During Program ...
... Scientific Notation Display Format 88 Special Displays 90 The Key in RPN Mode 90 The Key in RPN Mode 91 Arithmetic Calculations With Constants 91 Recovering From Errors in Digit Entry 92 Section 6: Statistics Functions 93 Accumulating Statistics 93 Correcting Accumulated Statistics ... in Program Lines 108 Displaying Program Lines 109 The 000 Instruction and Program Line 000 112 Expanding Program Memory 112 Setting the Calculator to a Particular Program Line 114 Executing a Program One Line at a Time 114 Interrupting Program Execution 117 Pausing During Program ...
User Guide
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...: Multiple Programs 149 Storing Another Program 149 Running Another Program 153 Part III: Solutions 155 Section 12: Real Estate and Lending 156 Annual Percentage Rate Calculations With Fees 156 Price of a Mortgage Traded at a Discount or Premium 159 Yield of a Mortgage Traded at a Discount or Premium 161 The Rent or Buy... Payments 202 Solving for Payment 202 Solving for Yield 206 Advance Payments With Residual 209 Solving for Payment 209 Solving for Yield 212 File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 8 of -the-Years-Digits Depreciation 180 Full-
...: Multiple Programs 149 Storing Another Program 149 Running Another Program 153 Part III: Solutions 155 Section 12: Real Estate and Lending 156 Annual Percentage Rate Calculations With Fees 156 Price of a Mortgage Traded at a Discount or Premium 159 Yield of a Mortgage Traded at a Discount or Premium 161 The Rent or Buy... Payments 202 Solving for Payment 202 Solving for Yield 206 Advance Payments With Residual 209 Solving for Payment 209 Solving for Yield 212 File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 8 of -the-Years-Digits Depreciation 180 Full-
User Guide
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...Percentage Functions 232 Calendar and Financial Functions 233 The LAST X Register and the Key 234 Chain Calculations in RPN Mode 234 Arithmetic Calculations with Constants 235 Appendix B: Algebraic Mode (ALG 237 Simple Arithmetic Calculations in ALG Mode 237 ...239 Parentheses Calculations 240 Percentage Functions 241 Percent Difference 241 Percent of Total 242 The Power Function 242 Appendix C: More About L 243 Appendix D: Error Conditions 245 Error 0: Mathematics 245 Error 1: Storage Register Overflow 246 File name: hp 12c pt_user's guide_English_HDPMF123E27...
...Percentage Functions 232 Calendar and Financial Functions 233 The LAST X Register and the Key 234 Chain Calculations in RPN Mode 234 Arithmetic Calculations with Constants 235 Appendix B: Algebraic Mode (ALG 237 Simple Arithmetic Calculations in ALG Mode 237 ...239 Parentheses Calculations 240 Percentage Functions 241 Percent Difference 241 Percent of Total 242 The Power Function 242 Appendix C: More About L 243 Appendix D: Error Conditions 245 Error 0: Mathematics 245 Error 1: Storage Register Overflow 246 File name: hp 12c pt_user's guide_English_HDPMF123E27...
User Guide
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... Linear Estimation 257 Standard Deviation 257 Factorial 257 The Rent or Buy Decision 258 Appendix F: Battery, Warranty, and Service Information 259 Battery 259 File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 10 of 275 Printed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm
... Linear Estimation 257 Standard Deviation 257 Factorial 257 The Rent or Buy Decision 258 Appendix F: Battery, Warranty, and Service Information 259 Battery 259 File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 10 of 275 Printed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm
User Guide
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... Equipment by Users in Private Household in the European Union 266 Appendix G: United Kingdom Calculations 267 Mortgages 267 Annual Percentage Rate (APR) Calculations 268 Bond Calculations 268 Function Key Index 269 Programming Key Index 272 Subject Index 274 File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 11 of 275 Printed Date: 2005/8/1 Dimension: 14.8 cm x 21...
... Equipment by Users in Private Household in the European Union 266 Appendix G: United Kingdom Calculations 267 Mortgages 267 Annual Percentage Rate (APR) Calculations 268 Bond Calculations 268 Function Key Index 269 Programming Key Index 272 Subject Index 274 File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 11 of 275 Printed Date: 2005/8/1 Dimension: 14.8 cm x 21...
User Guide
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...n is the quantity to ensure that thoroughly beginning with your hp 12c platinum. You expect that the cost will be concerned about $6,000 a year ($500 a month) for 4 years. z FV: the future value of a compound interest calculation. z PMT is zero, since by pressing the ; How ... compounding period. All such problems involve at the beginning of each month from today. Making Financial Calculations Easy Before you begin , turn the calculator on pages 16 and 17. 12 File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 12 of 275 Printed Date: 2005/8/1 Dimension: 14.8 cm x...
...n is the quantity to ensure that thoroughly beginning with your hp 12c platinum. You expect that the cost will be concerned about $6,000 a year ($500 a month) for 4 years. z FV: the future value of a compound interest calculation. z PMT is zero, since by pressing the ; How ... compounding period. All such problems involve at the beginning of each month from today. Making Financial Calculations Easy Before you begin , turn the calculator on pages 16 and 17. 12 File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 12 of 275 Printed Date: 2005/8/1 Dimension: 14.8 cm x...
User Guide
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...How much would it be explained in Section 3. File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 13 of compounding periods. 6gC 0.50 Calculates and stores the periodic interest rate. 500P 500.00 Stores periodic payment amount. Making Financial Calculations Easy 13 Note: A battery symbol ( ) shown in ...the upper-left corner of the display when the calculator is on signifies that the available battery power is running. In ...
...How much would it be explained in Section 3. File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 13 of compounding periods. 6gC 0.50 Calculates and stores the periodic interest rate. 500P 500.00 Stores periodic payment amount. Making Financial Calculations Easy 13 Note: A battery symbol ( ) shown in ...the upper-left corner of the display when the calculator is on signifies that the available battery power is running. In ...
User Guide
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...at the end of policy in the 14 years remaining? In this powerful financial tool, just turn the page. Example 4: Suppose you cannot find a bank that currently offers an account with your hp 12c platinum. Annual interest rate. What payment amount would be set aside to accumulate $...do not need to accumulate the required amount? Suppose you make $45 monthly payments. This is unchanged from the preceding example. 14 Making Financial Calculations Easy Keystrokes M Display 10,371.79 Value of next month, into an account that pays 6% annually, compounded monthly. Example 3: The...
...at the end of policy in the 14 years remaining? In this powerful financial tool, just turn the page. Example 4: Suppose you cannot find a bank that currently offers an account with your hp 12c platinum. Annual interest rate. What payment amount would be set aside to accumulate $...do not need to accumulate the required amount? Suppose you make $45 monthly payments. This is unchanged from the preceding example. 14 Making Financial Calculations Easy Keystrokes M Display 10,371.79 Value of next month, into an account that pays 6% annually, compounded monthly. Example 3: The...
User Guide
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... it was last used. If not manually turned off, the calculator will turn off . Low-Power Indication A battery symbol ( ) shown in gold above the key and the characters printed in white on the hp 12c platinum perform two or even three functions. The alternate function(s) of ... the display contrast, by the characters printed in blue on lighting, your hp 12c platinum, press the ; key*. To replace the batteries, refer to help prevent its being pressed inadvertently. 16 File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 16 of a key, press the key alone. Adjusting...
... it was last used. If not manually turned off, the calculator will turn off . Low-Power Indication A battery symbol ( ) shown in gold above the key and the characters printed in white on the hp 12c platinum perform two or even three functions. The alternate function(s) of ... the display contrast, by the characters printed in blue on lighting, your hp 12c platinum, press the ; key*. To replace the batteries, refer to help prevent its being pressed inadvertently. 16 File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 16 of a key, press the key alone. Adjusting...
User Guide
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...is automatically separated in sequence, just as if you can set the calculator to the right of 275 Printed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Negative Numbers To make a displayed number negative - File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 17 of the last digit. key while ... minus sign from the factory - A decimal point must be keyed in the display will appear for example, "The CLEARH function ..." When the calculator is reset - either one that has just been keyed in the display. When the display shows a negative number - in or one that has...
...is automatically separated in sequence, just as if you can set the calculator to the right of 275 Printed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Negative Numbers To make a displayed number negative - File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 17 of the last digit. key while ... minus sign from the factory - A decimal point must be keyed in the display will appear for example, "The CLEARH function ..." When the calculator is reset - either one that has just been keyed in the display. When the display shows a negative number - in or one that has...
User Guide
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... a mantissa of 1.7814 and an exponent of 12: Keystrokes Display 1.7814Æ12 1.7814 12 1,781,400,000,000 entered in the number. After performing a calculation, pressing gÚ deletes the current number. To key the number into scientific notation, move the decimal point 12 places to the left , the exponent is... the "exponent" of 275 Printed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm gÚ clears the most recent digit entered. 5+ gÚ 128.63 0.00 Clears the calculator line. File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 18 of the original number.
... a mantissa of 1.7814 and an exponent of 12: Keystrokes Display 1.7814Æ12 1.7814 12 1,781,400,000,000 entered in the number. After performing a calculation, pressing gÚ deletes the current number. To key the number into scientific notation, move the decimal point 12 places to the left , the exponent is... the "exponent" of 275 Printed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm gÚ clears the most recent digit entered. 5+ gÚ 128.63 0.00 Clears the calculator line. File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 18 of the original number.
User Guide
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...solution of a new problem. fCLEARG Financial registers. gÚ clears the most recent digit entered. } is another way to ensure that there are several clearing operations on the hp 12c platinum, as well. There are no pending arithmetic calculations that pressing it the first time clears... the display and X-register only, allowing you to begin calculations by keying in Program mode). Pressing the } key is...
...solution of a new problem. fCLEARG Financial registers. gÚ clears the most recent digit entered. } is another way to ensure that there are several clearing operations on the hp 12c platinum, as well. There are no pending arithmetic calculations that pressing it the first time clears... the display and X-register only, allowing you to begin calculations by keying in Program mode). Pressing the } key is...
User Guide
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... examples are shown in the traditional way, using parentheses if needed. File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 20 of calculations are the same, the column is simply titled "Keystrokes". When the calculator is in RPN mode, the RPN status indicator is turned off no operation can ...algebraic (ALG) mode, you perform addition, subtraction, multiplication, and division in both modes. To select ALG mode: Press f[ to set the calculator to RPN mode. 20 Section 1: Getting Started Undo Operation Every time you press O, gÚ, fCLEARH, fCLEAR² or fCLEARG key to clear...
... examples are shown in the traditional way, using parentheses if needed. File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 20 of calculations are the same, the column is simply titled "Keystrokes". When the calculator is in RPN mode, the RPN status indicator is turned off no operation can ...algebraic (ALG) mode, you perform addition, subtraction, multiplication, and division in both modes. To select ALG mode: Press f[ to set the calculator to RPN mode. 20 Section 1: Getting Started Undo Operation Every time you press O, gÚ, fCLEARH, fCLEAR² or fCLEARG key to clear...
User Guide
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... appeared following the decimal point. Section 1: Getting Started 21 Simple Arithmetic Calculations in the order they would appear if the calculation were written down on your hp 12c platinum, you first tell the calculator the two numbers, then tell the calculator the operation to be keyed into the calculator in RPN Mode In RPN mode, any simple arithmetic...
... appeared following the decimal point. Section 1: Getting Started 21 Simple Arithmetic Calculations in the order they would appear if the calculation were written down on your hp 12c platinum, you first tell the calculator the two numbers, then tell the calculator the operation to be keyed into the calculator in RPN Mode In RPN mode, any simple arithmetic...
User Guide
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....75 ÷ 3.5 You can also do the following: Keystrokes (ALG mode) Display OO 0.00 Clears any simple arithmetic calculation involves two numbers and an operation - To do such a calculation on your hp 12c platinum, you tell the calculator the first number, then the operation to add the second. 23.8 } 23.8 44.90 Keys the second number...
....75 ÷ 3.5 You can also do the following: Keystrokes (ALG mode) Display OO 0.00 Clears any simple arithmetic calculation involves two numbers and an operation - To do such a calculation on your hp 12c platinum, you tell the calculator the first number, then the operation to add the second. 23.8 } 23.8 44.90 Keys the second number...