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HP 12c Owners Manual

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Page 1

  
File name: hp 12c_users guide_English_HDPMBF12E44  Page: 1 of 209   
Printed Date: 2005/7/29    Dimension: 14.8 cm x 21 cm 
 
hp
 12c financial calculator 
users guide 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
H 
Edition 4 
HP Part Number    0012C-90001 

Page 2

 
2 
File name: hp 12c_users guide_English_HDPMBF12E44  Page: 2 of 209   
Printered Date: 2005/7/29    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. 
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...

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File name: hp 12c_users guide_English_HDPMBF12E44  Page: 3 of 209   
Printed Date: 2005/7/29    Dimension: 14.8 cm x 21 cm 
 
Introduction 
About This Handbook 
This hp 12c users 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...

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4 Introduction 
 
File name: hp 12c_users guide_English_HDPMBF12E44  Page: 4 of 209   
Printered Date: 2005/7/29    Dimension: 14.8 cm x 21 cm 
 
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...

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File name: hp 12c_users guide_English_HDPMBF12E44  Page: 5 of 209   
Printed Date: 2005/7/29    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...

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6 Contents 
 
File name: hp 12c_users guide_English_HDPMBF12E44  Page: 6 of 209   
Printered Date: 2005/7/29    Dimension: 14.8 cm x 21 cm 
 
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...

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 Contents 7 
 
File name: hp 12c_users guide_English_HDPMBF12E44  Page: 7 of 209   
Printered Date: 2005/7/29    Dimension: 14.8 cm x 21 cm 
 
Section 6: Statistics Functions ........................................ 76 
Accumulating Statistics .................................................................. 76 
Correcting Accumulated Statistics ...................................................77 
Mean .........................................................................................77...

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8 Contents 
 
File name: hp 12c_users guide_English_HDPMBF12E44  Page: 8 of 209   
Printered Date: 2005/7/29    Dimension: 14.8 cm x 21 cm 
 
Section 11: Multiple Programs ...................................... 120 
Storing Another Program ............................................................ 120 
Running Another Program ........................................................... 122 
Part III. Solutions .................................................. 123 
Section 12: Real Estate and Lending...

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 Contents 9 
 
File name: hp 12c_users guide_English_HDPMBF12E44  Page: 9 of 209   
Printered Date: 2005/7/29    Dimension: 14.8 cm x 21 cm 
 
Appendixes ................................................................ 169 
Appendix A: The Automatic Memory Stack ................... 170 
Getting Numbers Into the Stack: The  Key..............................171 
Termination of Digit Entry ..................................................... 172 
Stack Lift...

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10 Contents 
 
File name: hp 12c_users guide_English_HDPMBF12E44  Page: 10 of 209   
Printered Date: 2005/7/29    Dimension: 14.8 cm x 21 cm 
 
30/360 Day Basis.............................................................. 187 
Bonds ...................................................................................... 188 
Depreciation ............................................................................. 189 
Straight-Line Depreciation..................................................... 189...
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