HP 12c Owners Manual
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Page 131
Section 12: Real Estate and Lending 131 File name: hp 12c_users guide_English_HDPMBF12E44 Page: 131 of 209 Printered Date: 2005/7/29 Dimension: 14.8 cm x 21 cm 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...
Page 132
132 Section 12: Real Estate and Lending File name: hp 12c_users guide_English_HDPMBF12E44 Page: 132 of 209 Printered Date: 2005/7/29 Dimension: 14.8 cm x 21 cm 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...
Page 133
Section 12: Real Estate and Lending 133 File name: hp 12c_users guide_English_HDPMBF12E44 Page: 133 of 209 Printered Date: 2005/7/29 Dimension: 14.8 cm x 21 cm 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...
Page 134
134 Section 12: Real Estate and Lending File name: hp 12c_users guide_English_HDPMBF12E44 Page: 134 of 209 Printered Date: 2005/7/29 Dimension: 14.8 cm x 21 cm 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....
Page 135
Section 12: Real Estate and Lending 135 File name: hp 12c_users guide_English_HDPMBF12E44 Page: 135 of 209 Printered Date: 2005/7/29 Dimension: 14.8 cm x 21 cm 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 $750 per month for the last 6 months. This situation illustrates what is called a...
Page 136
136 File name: hp 12c_users guide_English_HDPMBF12E44 Page: 136 of 209 Printered Date: 2005/7/29 Dimension: 14.8 cm x 21 cm Section 13 Investment Analysis Pa r t i al -Ye a r De prec ia t io n For both income tax purposes and financial analyses, it is valuable to calculate depreciation based on a calendar or fiscal accounting year. When the acquisition date of an asset does not coincide with the start of the year — which is the rule rather than the exception — the amounts of...
Page 137
Section 13: Investment Analysis 137 File name: hp 12c_users guide_English_HDPMBF12E44 Page: 137 of 209 Printered Date: 2005/7/29 Dimension: 14.8 cm x 21 cm KEYSTROKES DISPLAY KEYSTROKES DISPLAY ?3 14- 44 3gu 36- 43 31 :$ 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:...
Page 138
138 Section 13: Investment Analysis File name: hp 12c_users guide_English_HDPMBF12E44 Page: 138 of 209 Printered Date: 2005/7/29 Dimension: 14.8 cm x 21 cm 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....
Page 139
Section 13: Investment Analysis 139 File name: hp 12c_users guide_English_HDPMBF12E44 Page: 139 of 209 Printered Date: 2005/7/29 Dimension: 14.8 cm x 21 cm 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 $6,730 with 4 1/2 months remaining in...
Page 140
140 Section 13: Investment Analysis File name: hp 12c_users guide_English_HDPMBF12E44 Page: 140 of 209 Printered Date: 2005/7/29 Dimension: 14.8 cm x 21 cm KEYSTROKES DISPLAY KEYSTROKES DISPLAY 1 07- 11 27- 1 - 08- 30?+0 28-44 40 0 ?0 09- 44 0?+2 29-44 40 2 1 10- 1gi22 30-43, 33 22 f# 11- 42 25:2 31- 45 2 :1 12- 45 1gu 32- 43 31 § 13- 20:$ 33- 45 13 ?3 14- 44 3:M 34- 45 15 :$ 15- 45 13- 35- 30 ~ 16- 34:3 36- 45 3 - 17-...