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HP 12c Platinum Reference Guide
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144
Miscellane
ous
12c platinum / 12C
RPN Keystrokes
12c platinum
A
L
G Keystrokes
Display Comments
f
CLEAR
H
f
CLEAR
H
0.00
3
?
0
?
7 3
?
0
?
7
3.00
n
1.2
?
8 1.2
?
8
z
1.20
λ
.5
?
9 .5
?
9
0.50
µ
z?.
0
³?.
0
2.40
ρ
t
t
2.16
T
q
average waiting time in queue.
:
1
:
1
0.06
P
0
probability all servers are idle.
:
2
:
2
0.65
P
b
probability all servers are
busy.
:
3
:
3
2.59
L
q
average # waiting in queue.
:
4
:
4
4.99
L
, average # waiting in system.
:
5
:
5
4.16
T
, average total time in system.
2
t
2
t
0.36
Probability of having to wait 2
minutes or more
.
143
145
Table of Contents
Introduction
2
About this Handbook
2
Presentation of Algebraic and RPN
2
Using the RPN Programs on the HP-12C
3
Table of Contents
4
Contents
4
Real Estate
7
Refinancing
7
Wrap-Around Mortgage
8
Income Property Cash Flow Analysis
12
Before-Tax Cash Flows
12
Before-Tax Reversions (Resale Proceeds)
13
After-Tax Cash Flows
14
After-Tax Net Cash Proceeds of Resale
19
Lending
24
Loan with a Constant Amount Paid Towards Principal
24
Add-On Interest Rate Converted to APR
25
APR Converted to Add-On Interest Rate
26
Add-On Rate Loan with Credit Life
27
Interest Rebate - Rule of 78'S
30
Graduated Payment Mortgages
32
Variable Rate Mortgages
36
Skipped Payments
38
Savings
40
Initial Deposit with Periodic Deposits
40
Number of Periods to Deplete a Savings Account or to Reach a Specified Balance
41
Periodic Deposits and Withdrawals
42
Savings Account Compounded Daily
44
Compounding Periods Different from Payment Periods
46
Investment Analysis
49
Lease Vs. Purchase
49
Break-Even Analysis
53
Operating Leverage
59
Profit and Loss Analysis
61
Securities and Options
65
After-Tax Yield
65
Discounted Notes
67
Black-Scholes Formula for Valuing European Options
69
Forecasting
74
Simple Moving Average
74
Seasonal Variation Factors Based on Centered Moving Averages
78
Gompertz Curve Trend Analysis
83
Forecasting with Exponential Smoothing
87
Pricing Calculations
92
Markup and Margin Calculations
92
Calculations of List and Net Prices with Discounts
95
Statistics
98
Curve Fitting
98
Exponential Curve Fit
98
Logarithmic Curve Fit
102
Power Curve Fit
104
Standard Error of the Mean
105
Mean, Standard Deviation, Standard Error for Grouped Data
106
Chi-Square Statistics
109
Normal Distribution
112
Covariance
114
Permutations
116
Combinations
117
Random Number Generator
119
Personal Finance
121
Homeowners Monthly Payment Estimator
121
Tax-Free Individual Retirement (IRA) or Keogh Plan
124
Stock Portfolio Evaluation and Analysis
127
Canadian Mortgages
131
Periodic Payment Amount
131
Number of Periodic Payments to Fully Amortize a Mortgage
132
Effective Interest Rate (Yield)
132
Balance Remaining at End of Specified Period
132
Miscellaneous
134
Learning Curve for Manufacturing Costs
134
Queuing and Waiting Theory
138
Appendix A : Programs from Part III of the Owner's Handbook
145
About this Appendix
145
Algebraic Mode Programs
146
Section 12: the Rent or Buy Decision
146
Section 13: Straight-Line Depreciation
147
Section 13: Declining-Balance Depreciation
148
Section 13: Sum-Of-The-Years-Digits Depreciation
149
Section 13: Full- and Partial- Year Depreciation with Crossover
150
Section 14: Lease with Advance Payments - Solving for Payment
151
Section 14: Lease with Advance Payments - Solving for Yield
151
Section 14: Advance Payments with Residual - Solving for Payment
152
Section 15: Nominal Rate Converted to Effective Rate
152
Section 16: 30/360 Day Basis Bonds
153
Section 16: Annual Coupon Bonds
154
Appendix B: Formulas Used
155
Real Estate
155
Wrap-Around Mortgage
155
After-Tax Cash Flows
155
After-Tax Net Cash Proceeds of Resale
155
Lending
156
Loans with a Constant Amount Paid Towards Principal
156
Add-On Interest Rate to APR
156
Add-On to APR with Credit Life
156
Rule of 78'S Rebate
156
Graduated Payment Mortgage
157
Skipped Payments
157
Savings
158
Compounding Periods Different from Payment Periods
158
Investment Analysis
158
Lease Vs. Purchase
158
Break-Even Analysis and Operating Leverage
158
Profit and Loss Analysis
158
Securities and Options
159
Discounted Notes
159
Black-Scholes Formula for Valuing European Options
159
Forecasting
160
Simple Moving Average
160
Seasonal Variation Factors Based on a Centered Moving Average
160
Gompertz Curve Trend Analysis
160
Forecasting with Exponential Smoothing
161
Pricing Calculations
161
Markup and Margin Calculations
161
Calculations of List and Net Prices with Discounts
162
Statistics
162
Exponential Curve Fit
162
Logarithmic Curve Fit
163
Power Curve Fit
163
Standard Error of the Mean
163
Mean, Standard Deviation, Standard Error for Grouped Data
163
Personal Finance
164
Tax-Free Retirement Account (IRA) or Keogh Plan
164
Stock Portfolio Evaluation and Analysis
164
Portfolio Beta Coefficient
164
Canadian Mortgages
164
Miscellaneous
165
Learning Curve for Manufacturing Cost
165
Queuing and Waiting Theory
165
Subject Index
166
Other manuals for HP 12c Platinum
User Guide
288 pages
Owner's Handbook
213 pages
Quick Start Guide
37 pages
Specifications
2 pages
Instruction Guide
6 pages
Operating Instructions
5 pages
5
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HP 12c Platinum Specifications
General
Digits
10 digits
Battery type
CR2032
Type
Financial
Form factor
Pocket
Weight and Dimensions
Weight
110 g
Dimensions (WxDxH)
79 x 129 x 15 mm
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