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Windows Help%Helpfile Generated by VB HelpWriter!#RR("mmsystem","sndPlaySound","Su")BrowseButtons()Zmain?GmainWindows HelpWGG lOm##O+hGZsecondaryHlpWnd02Second Windows help lOH##O+hGZsecondaryHlpWnd03Third Windows helpG lOH##O+hG/&;)z4 |CONTEXT|CTXOMAPm|FONT|SYSTEM|TOPIC|TTLBTREE-#FꍟGv-# I$H9E1ĂEOverviewq h OverviewThe HP-12C calculator is a programmable financial calculator utilizing reverse polish notation with a 4 register stack, 99 program lines available for programs, financial registers, 20 data storage registers, and continous memory.)E& Q)M OW;sfu
ZRegisteringFinancial CalculationsCash Flow AnalysisBond CalculationsProgramming BasicsKeyboard FunctionsError ConditionsFunctions include percentage, statistics, linear estimation, calendar, financial, depreciation, bond price and yield, discounted cash flow analysis.w{ ĀCalculator programs feature conditional branching and looping. Also, the calculator has the ability to store multiple programs.Applications for this calculator include the fields of real estate and lending, mortgage brokering, stocks and bond trading, leasing, and banking.(c) Copyright 1995, Telemark Software, Inc. All Rights Reserved.C=1(DC=Keyboard Functions~@
Keyboard FunctionsONTurns the calculator off and exits the program, retaining continous memory.fPress to access gold functions.gPress to access blue functions.PREFIXDisplays mantissa of number in the displayed X-register.ENTERPushes number in display into the stack.CHSChanges sign of number or exponent of 10 in displayed X-register.6=v
j EEXEnter exponent. After pressing, next numbers keyed in are exponents of 10.0-9Digits used for keying in numbers and display formatting. To format the display, press f then a digit representing the number of decimal places desired in the display..Decimal point. Also used for display formatting. Pressing f . sets the calculator to display numbers in scientific notation.CLXClears contents of displayed X-register to zero.m@_ +,-,x,/Arithmetic operators. Computes Y-register operator X-register and places the result in X-register after the stack is dropped.STOStore. Followed by number key, decimal point and number key, or top-row financial key, stores displayed number in storage register specified. Also used to perform storage register arithmetifc.RCLRecall. Followed by number key, decimal point and number key, or top-row financial key, recalls value from storage register specified into the displayed X-register.Cv
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REGClears contents of stack (X,Y,Z,T), all storage registers, statistical registers, and financial registers. Leaves program memory untouched; not programmable.%Computes x% of y and retains the y value in the Y-register.DLT %Computes percent of change between number in Y-register and number in displayed X-register.%TComputes percent that x is of number in Y-register.D.MYSets date format to day-month-year; not programmable. (Example: 2.121995 is December 2, 1995) When this mode is set, the D.MY status indicator in the display is lit.BS t5M.DYSets date forBmat to month-day-year; not programmable. (Example: 2.121995 is February 12, 1995)DATEChanges a date in the Y-register by the number of days in the X-register and displays day of week. Sunday is 7. Monday is 1.DYSComputes the number of days between two dates in the Y- and X-registers. The answer shown in the display is the actual number of days between the two dates, including leap days (the extra days occuring in leap years), if any. In addition, the HP-12C also calculates the number of days between the two dates on the basis of a 30-day month. This answer is held inside the calculator; to display it, press x>+ Calculating Net Present Value (NPV)Calculating NPV for Ungrouped Cash FlowsCalculates the net present value of up to 20 uneven cash flows (in addition to the initial investment CFo). The amount of the the initial investment (CFo) is entered into the calculator using the CFo key. Pressing g CFo stores CFo in storage register R0 and also stores the number 0 in the n register. The amounts of the subsequent cash flows are stored--in the order they occur--in the remaining storage registers: CF1 thru CF9 in R1 thru R9, and CF10 thru CF19 in R.0 thru R.9, respectively. If there is a CF20, that amount is stored in the FV register. Each of these cash flows (CF1, CF2, etc.) is designated CFj, where j takes on values from 1 up to the number of the final cash flow. The amounts of these cash flows are all entered using the CFj key. Each time g CFj is pressed, the amount in the display is stored in the next available storage register, and the number in the n register is increased by 1. This register therefore counts how many cash flow amounts (in addition to the initial investment CFo) have been entered.qQx When entering cash flow amounts--including the initial investment CFo--remember to observe the cash flow sign convention by pressing CHS after keying in a negative cash flow.In summary, to enter the cash flow amounts: Press f CLEAR REG to clear the financial and storage registers. Key in the amount of the initial investment, press CHS if that cash flow is negative, then press g CFo. If there is no initial investment, press 0 g CFo. Key in the amount of the next cash flow, press CHS if the cash flow is negative, then press g CFj. If the cash flow amount is zero in the next period, press 0 g CFj. Repeat last step for each cash flow until all have been entered. Enter the interest rate, using i or 12/. Press f NPV.?q The calculated value of NPV appears in the display and also is automatically stored in the PV register.Calculating NPV for Grouped Cash FlowsA maximum of 20 cash flow amounts (in addition to initial investment CFo) can be stored in the HP-12C. However, problems involving more than 20 cash flows can be handled if among the cash flows there are equal consecutive cash flows. For such problems, you merely enter along with the amounts of the cash flows the number of times--up to 99--each amount occurrs consecutively. This number is designated Nj, corresponding to cash flow amount CFj, and is entered using the Nj key. Each Nj is stored in a special register inside the calculator.`Q This method can, of course, be used for problems involving fewer than 20 cash flows.In summary, to enter the cash flow amounts: Press f CLEAR REG to clear the financial and storage registers. Key in the amount of the initial investment, press CHS if that cash flow is negative, then press g CFo. If there is no initial investment, press 0 g CFo. If the initial investment consists of more than one cash flow of the amount entered, key in the number of those cash flows, then press g Nj. If g Nj is not pressed, the calculator assumes that N0 is 1. Key in the amount of the next cash flow, press CHS if the cash flow is negative, then press g CFj. If the cash flow amount is zero in the next period, 8press 0 g CFj. If the amount entered occurs more than once consecutively, key in the number of times that cash flow amount occurs consecutively, then press g Nj. If g Nj is not pressed, the calculator assumes that Nj is 1 for the CFj just entered. Repeat last step for each cash flow until all have been entered. Enter the interest rate, using i or 12/. Press f NPV. 5 ԀA
ZThe calculated value of NPV appears in the display and also is automatically stored in the PV register.Calculating Internal Rate of Return (IRR)Enter the cash flows using the method described for NPV. Press f IRR. The calculated value of IRR appears in the display and also is automatically stored in the i register.If you get an Error 3 message in the display, you can try the procedure outlined in Error Conditions regarding an Error 3 message to resolve this condition by entering a new guess for IRR.g_ Reviewing Cash Flow EntriesTo display a single cash flow amount, press RCL, then key in the number of the register containing the cash flow amount to be displayed. Alternatively, store the number of that cash flow amount (that is, the value of j for the CFj desired) in the n register, then press RCL g CFj.To review all the cash flow amounts, press RCL g CFj repeatedly. This displays the cash flow amounts in reverse order--that is, beginning with the final cash flow and proceeding to CF0.#57 x GTo display the number of times a cash flow amount occurs consecutively--that is, to display the Nj for a CFj--store the number of that cash flow amount (that is, the value of j) in the n register, the press RCL g Nj.To review all the cash flow amounts together with the number of times each cash flow amount occurs consecutively (that is, to review each CFj and Nj pair), press RCL g Nj RCL g CFj repeatedly. This displays Nj followed by CFj beginning with the final cash flow amount and proceeding to N0 and CF0.&] # 17 1U $] " 1 1 HelvVFV
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