File name: hp 12c_users guide_English_HDPMBF12E44 Page: 3 of 209
Printed Date: 2005/7/29 Dimension: 14.8 cm x 21 cm
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 handbook and working through the examples it
Following this introduction is a brief section called Making Financial Calculations
Easy—which shows you that your hp 12c does just that! The remainder of this
handbook is organized basically into three parts:
z Part I (sections 1 through 7) describes how to use the various financial,
mathematics, statistics, and other functions (except for programming)
provided in the calculator:
z Section 1 is about Getting Started. It tells you how to use the keyboard,
how to do simple arithmetic calculations and chain calculations, and
how to use the storage registers (“memories”).
z Section 2 tells you how to use the percentage and calendar functions.
z Section 3 tells you how to use the simple interest, compound interest, and
z Section 4 tells you how to do discounted cash flow analysis, bond, and
z Section 5 tells you about miscellaneous operating features such as
Continuous Memory, the display, and special function keys.
z Sections 6 and 7 tell you how to use the statistics, mathematics, and
z Part II (sections 8 through 11) describe how to use the powerful
programming capabilities of the hp 12c.
z Part III (sections 12 through 16) give you step-by-step solutions to specialized
problems in real estate, lending, savings, investment analysis, and bonds.
Some of these solutions can be done manually, while others involve running
a program. Since the programmed solutions are both self-contained and
step-by-step, you can easily employ them even if you don’t care to learn how
to create your own programs. But if you do start to create your own
programs, look over the programs used in the solutions: they contain
examples of good programming techniques and practices.