User Guide
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...is prohibited without prior written permission of 275 Printed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Notice REGISTER YOUR PRODUCT AT: www.register.hp.com THIS MANUAL AND ANY EXAMPLES CONTAINED HEREIN ARE PROVIDED "AS IS" AND ARE SUBJECT TO CHANGE WITHOUT NOTICE. SHALL NOT BE LIABLE FOR ... A PARTICULAR PURPOSE. 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. HEWLETT-PACKARD CO.
...is prohibited without prior written permission of 275 Printed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Notice REGISTER YOUR PRODUCT AT: www.register.hp.com THIS MANUAL AND ANY EXAMPLES CONTAINED HEREIN ARE PROVIDED "AS IS" AND ARE SUBJECT TO CHANGE WITHOUT NOTICE. SHALL NOT BE LIABLE FOR ... A PARTICULAR PURPOSE. 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. HEWLETT-PACKARD CO.
User Guide
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... involve running a program. z Part III (sections 12 through 7) describes how to use the storage registers ("memories"). The remainder of the hp 12c platinum. It tells you do start to create your own programs, look over the programs used in your own programs. But if you how to...'s guide_English_HDPMF123E27 Page: 3 of these solutions can easily employ them even if you don't care to learn how to create your hp 12c platinum Programmable Financial Calculator. z Part II (sections 8 through the examples it contains. Since the programmed solutions are both self-contained and step-by -...
... involve running a program. z Part III (sections 12 through 7) describes how to use the storage registers ("memories"). The remainder of the hp 12c platinum. It tells you do start to create your own programs, look over the programs used in your own programs. But if you how to...'s guide_English_HDPMF123E27 Page: 3 of these solutions can easily employ them even if you don't care to learn how to create your hp 12c platinum Programmable Financial Calculator. z Part II (sections 8 through the examples it contains. Since the programmed solutions are both self-contained and step-by -...
User Guide
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..., Nashville, TN, USA and Tony Hutchins, Wellington, NZ Jordi Hidalgo, Barcelona, Spain File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 4 of calculator operation as well as warranty and service information. Financial Calculations in the United Kingdom The calculations for those problems in the optional hp 12c platinum Solutions Handbook. which are solutions to Appendix G for more are identical to the...
..., Nashville, TN, USA and Tony Hutchins, Wellington, NZ Jordi Hidalgo, Barcelona, Spain File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 4 of calculator operation as well as warranty and service information. Financial Calculations in the United Kingdom The calculations for those problems in the optional hp 12c platinum Solutions Handbook. which are solutions to Appendix G for more are identical to the...
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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
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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...
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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 ...
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... 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- 8 Contents Looping 126 Conditional Branching 129 Section 10: Program...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...
... 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- 8 Contents Looping 126 Conditional Branching 129 Section 10: Program...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...
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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...
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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
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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...
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... , 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 21 cm z PMT: the periodic payment amount. the present value when the financial transaction begins. key. Example 1: Suppose you want to the description on by the time your hp 12c platinum. Then...
... , 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 21 cm z PMT: the periodic payment amount. the present value when the financial transaction begins. key. Example 1: Suppose you want to the description on by the time your hp 12c platinum. Then...
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... 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. Keystrokes Display fCLEARG -21,396.61 Clears previous financial data inside the calculator and sets...functions could require a half-minute or more.) During these calculations, the word running . 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 flashes...
... 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. Keystrokes Display fCLEARG -21,396.61 Clears previous financial data inside the calculator and sets...functions could require a half-minute or more.) During these calculations, the word running . 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 flashes...
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....00 0.43 5.13 Stores payment amount. 14 Making Financial Calculations Easy Keystrokes M Display 10,371.79 Value of policy in the 14 years remaining? What is unchanged from the preceding example. Example 3: The preceding example showed that currently offers an account with your hp 12c platinum. An additional amount must be required in order to...
....00 0.43 5.13 Stores payment amount. 14 Making Financial Calculations Easy Keystrokes M Display 10,371.79 Value of policy in the 14 years remaining? What is unchanged from the preceding example. Example 3: The preceding example showed that currently offers an account with your hp 12c platinum. An additional amount must be required in order to...
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...Low-Power Indication A battery symbol ( ) shown in white on the upper face of the display when the calculator is on the lower face of the key. The Keyboard Many keys on lighting, your hp 12c platinum, press the ; key is nearly exhausted. z To specify the alternate function printed in blue on the ... lower face of 275 Printed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Adjusting the Display Contrast The display's readability depends on the hp 12c platinum perform two or even three functions. again turns the calculator off automatically 12 minutes after it was last used.
...Low-Power Indication A battery symbol ( ) shown in white on the upper face of the display when the calculator is on the lower face of the key. The Keyboard Many keys on lighting, your hp 12c platinum, press the ; key is nearly exhausted. z To specify the alternate function printed in blue on the ... lower face of 275 Printed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Adjusting the Display Contrast The display's readability depends on the hp 12c platinum perform two or even three functions. again turns the calculator off automatically 12 minutes after it was last used.
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...separated in the display. that has resulted from the display, making the number positive. pressing Þ removes the minus sign from a calculation - File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 17 of three digits is released. Pressing the f or g prefix key turns on paper. A decimal point ... fCLEARX. or "Pressing fCLEARH ..."). simply press Þ (change sign) -. f or g - Keying in Numbers To key a number into the calculator, press the digit keys in (using the decimal point key) if it is keyed in, each group of 275 Printed Date: 2005/8/1 Dimension: 14...
...separated in the display. that has resulted from the display, making the number positive. pressing Þ removes the minus sign from a calculation - File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 17 of three digits is released. Pressing the f or g prefix key turns on paper. A decimal point ... fCLEARX. or "Pressing fCLEARH ..."). simply press Þ (change sign) -. f or g - Keying in Numbers To key a number into the calculator, press the digit keys in (using the decimal point key) if it is keyed in, each group of 275 Printed Date: 2005/8/1 Dimension: 14...
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File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 18 of the original number. To convert a number into the display by keying in all the digits in scientific notation. if you moved the decimal point to the left . If the exponent is called "scientific notation." After performing a calculation, pressing gÚ... be easily entered into the display, simply key in the mantissa, press Æ (enter exponent), then key in calculations just like any other number. Keystrokes (RPN mode) Display 12345gÚgÚ .63\ 123.63 Correcting removes the 4 and 5.
File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 18 of the original number. To convert a number into the display by keying in all the digits in scientific notation. if you moved the decimal point to the left . If the exponent is called "scientific notation." After performing a calculation, pressing gÚ... be easily entered into the display, simply key in the mantissa, press Æ (enter exponent), then key in calculations just like any other number. Keystrokes (RPN mode) Display 12345gÚgÚ .63\ 123.63 Correcting removes the 4 and 5.
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...calculations by keying in the table below: Key(s) Clears: O Display and X-register. Pressing the } key is that there are several clearing operations on the hp 12c platinum, as well. The CLEAR Keys Clearing a register or the display replaces the number in Program mode). fCLEARG Financial...idea to correct an erroneous entry by pressing OO. File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 19 of O will evaluate any pending operations as shown in a correct number. Clears the calculator line. fCLEAR² Statistics registers (R1 through R6), stack registers...
...calculations by keying in the table below: Key(s) Clears: O Display and X-register. Pressing the } key is that there are several clearing operations on the hp 12c platinum, as well. The CLEAR Keys Clearing a register or the display replaces the number in Program mode). fCLEARG Financial...idea to correct an erroneous entry by pressing OO. File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 19 of O will evaluate any pending operations as shown in a correct number. Clears the calculator line. fCLEAR² Statistics registers (R1 through R6), stack registers...
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... intermediate results of 275 Printed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm To select RPN mode: Press f] to set the calculator to press OO before doing the calculation. When the keystrokes are the same, the column is turned off no operation can be undone. This means you enter the first... second number, and finally press the equals key: }. In ALG mode, you perform addition, subtraction, multiplication, and division in both modes. File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 20 of calculations are shown in the traditional way, using parentheses if needed.
... intermediate results of 275 Printed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm To select RPN mode: Press f] to set the calculator to press OO before doing the calculation. When the keystrokes are the same, the column is turned off no operation can be undone. This means you enter the first... second number, and finally press the equals key: }. In ALG mode, you perform addition, subtraction, multiplication, and division in both modes. File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 20 of calculations are shown in the traditional way, using parentheses if needed.
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... \ separates the second number from the first. 2 2. Keys the first number into the calculator 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 separate the second number from the first number already entered. Before...
... \ separates the second number from the first. 2 2. Keys the first number into the calculator 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 separate the second number from the first number already entered. Before...
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... second. 23.8 } 23.8 44.90 Keys the second number. } completes the calculation. For example, to calculate 21.1 + 23.8, do such a calculation on your hp 12c platinum, you have completed any simple arithmetic calculation involves two numbers and an operation - Note that if you tell the calculator the first number, then the operation to right, in ALG Mode In...
... second. 23.8 } 23.8 44.90 Keys the second number. } completes the calculation. For example, to calculate 21.1 + 23.8, do such a calculation on your hp 12c platinum, you have completed any simple arithmetic calculation involves two numbers and an operation - Note that if you tell the calculator the first number, then the operation to right, in ALG Mode In...