HP 12c Owners Manual

 Section 12: Real Estate and Lending 131 
 
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KEYSTROKES DISPLAY KEYSTROKES DISPLAY 
:1 10-  45   1- 44-    30 
- 11-    30:5 45-  45   5 
$ 12-    13- 46-    30 
:3 13-  45   3:8 47-  45   8 
gC 14-  43  12+ 48-    40 
:2 15-  45   2- 49-    30 
gA 16-  43  11Þ 50-    16 
P 17-    14P 51-    14 
d 18-    33:0 52-  45   0 
d 19-       33gA 53-  43  11 
0 20-     0:1 54-  45   1...

132  Section 12: Real Estate and Lending 
 
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REGISTERS 
n: Period  i: Apprec.  PV: Price  PMT: Used 
FV: Used 
R0: Period  R1: Dwn Pmt  R2: Life 
R3: i(Mtg) R4: Taxes/Mo R5: Improve. R6: Closing C. 
R7: % Comm.  R8: Rent  R9: Savings i  R.0: Bracket 
R.1: Unused.    
 
1.  Key in the program. 
2.  Key in the estimated down payment then press ?1. 
3.  Key in the life of the...

 Section 12: Real Estate and Lending 133 
 
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16. Press t to compute the yield on your investment in the house.* 
17. Press t to compute the value of a savings account or other investment. 
18. Compare the value of the hypothetical savings account to the net proceeds of 
the sale of the house. Examine the sign and magnitude of the yield to arrive 
at your decision. 
19. To...

134  Section 12: Real Estate and Lending 
 
File name: hp 12c_users guide_English_HDPMBF12E44  Page: 134 of 209   
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Keystrokes Display  
4n 
4.00 Years in investment. 
10¼ 
10.00 Yearly appreciation rate. 
70000$ 
70,000.00 House price. 
t 
32,391.87 NCPR (calculated). 
t 
19.56 Yield. 
t 
21,533.79 Balance in savings. 
By purchasing a house, you would gain $10,858.08 (32,391.87 – 21,533.79) 
over an alternate investment at 6.25% interest....

 Section 12: Real Estate and Lending 135 
 
File name: hp 12c_users guide_English_HDPMBF12E44  Page: 135 of 209   
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Leases often call for periodic contractual adjustments of rental payments. For 
example, a 2-year lease calls for monthly payments (at the beginning of the month) 
of $500 per month for the first 6 months, $600 per month for the next 12 months, 
and $750 per month for the last 6 months. This situation illustrates what is called a...

 
136 
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  Section 13 
Investment Analysis 
Pa r t i al -Ye a r De prec ia t io n 
For both income tax purposes and financial analyses, it is valuable to calculate 
depreciation based on a calendar or fiscal accounting year. When the acquisition 
date of an asset does not coincide with the start of the year — which is the rule 
rather than the exception — the amounts of...

 Section 13: Investment Analysis 137 
 
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KEYSTROKES DISPLAY KEYSTROKES DISPLAY 
?3 14-  44   3gu 36-  43  31 
:$ 15-  45  13:$ 37-  45  13 
~ 16-    34:M 38-  45  15 
- 17-    30- 39-    30 
$ 18-    13:3 40-  45   3 
:n 19-  45  11gi30 41-43, 33   30 
:1 20-  45   1fs  
 
REGISTERS 
n: Life  i: Unused  PV: Dep. Value  PMT: Unused 
FV: Salvage 
R0: Used  R1: #Mos./12  R2:...

138  Section 13: Investment Analysis 
 
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Note: If the number of months in the first calendar year is less than 12, the 
amount of depreciation in the 1st year will be less than a full year’s 
depreciation. The actual number of years that depreciation will occur is 
equal to the life +1. For example, a drill has a life of 3 years and is 
purchased 3 months before the year end....

 Section 13: Investment Analysis 139 
 
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Keystrokes Display  
25n 
25.00 Life. 
25\ 
25.00 Year desired. 
4t 
 
~ 
25.00 
5,000.00 
3,333.33 Twenty-fifth year: 
depreciation, 
remaining depreciable value. 
t 
 
~ 
26.00 
3,333.33 
0.00 Twenty-sixth year: 
depreciation, 
remaining depreciable value. 
Example 2:
 A new car was purchased for $6,730 with 4
1/2 months remaining 
in...

140  Section 13: Investment Analysis 
 
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KEYSTROKES DISPLAY KEYSTROKES DISPLAY 
1 07-     11 27-     1 
- 08-    30?+0 28-44  40   0 
?0 09-  44   0?+2 29-44  40   2 
1 10-     1gi22 30-43, 33   22 
f# 11-  42  25:2 31-  45   2 
:1 12-  45   1gu 32-  43  31 
§ 13-    20:$ 33-  45  13 
?3 14-  44   3:M 34-  45  15 
:$ 15-  45  13- 35-    30 
~ 16-    34:3 36-  45   3 
- 17-...