Hp12C

HP 12c/12c Platinum

HP part number F2232-90011

HP 12c/12c Platinum

12c RPN 120 20 99

12c Platinum RPN and ALG 130 80 400

HP 12c/12c Platinum ( 1 “ 2 3 4 5 6 7 ” 1 7 )

8 Platinum 12

11 16

HP 12c/12c

G

12 HP 12c/12c Platinum

16

4

……………………………………………………………………2 ………………………………………………………………………2 ……………………………………………………………3 ……………………………………………………3 ……………………………………………………………12

1
1

……………………………………………………15 ……………………………………………………………16 ………………………………………………………17 ………………………………………………………………17 ……………………………………………………………………17 ………………………………………………………………18 ………………………………………………………18 ………………………………………………………………18 ..……..……………………………………………………18 ………………………………………………………19 RPN RPN RPN ALG ….………………………………………………19 ……………………………………………20 …………………………………………………21 …… … … … … … … … … … … … … … … … … … … …2 4 …………………………………………………………24 ……………………………………………………25 ……………………………………………………25 2 …………………………………………………27 …………………………………………………………………28 ………………………………………………………28 ……………………………………………………………28 ……………………………………………29 ………………………………………………29

5 ……………………………………………………………………31 ………………………….………………………………31 …………………………………………………32 ……………………………………………33 3 ………………………………………………………34 ……………………………………………………………35 ………………………………………………35 …………………………………………35 …………………………………………35 …………………………………………………………........36 ………………………………………………........37 ……………………………………………………39 ………………………………………………………39 ………………………………………………………40 ……………………………………………………………41 ………………………………………………....41 …………………………………42 …………………………………………………44 …………………………………………………………………45 …………………………………………………………47 ………………………………………………………………49 …………………………………………………………51 ………………………………………………....53 4 ………………………………………………………56 ………………………………57 NPV ……………………………………………………58 (NPV) ………………………………58 NPV ………………………………60 IRR ………………………………………………...62 ……………………………………………63 ……………………………………………65

6 ……………………………………………………………………66 ………………………………………………………………66 ………………………………………………………………67 ……………………………………………………………………67 5 ………………………………………………………69 ……………………………………………………………………70 ……………………………………………………….…………70 …………………………………………………………………70 …………………………………………………………71 ……………………………………………………71 ………………………………………………72 ……………………………………………………………73 ………………………………………………………73 running……………………………………………………73 ………………………………………………………74 Error……………………………………………………74 Pr Error…………………..………………………………………………74

~ …………………..………………………………………………74 F ………………..………………………………………………74
………………………………………………………75 ………………………………………………………75 6 ………………………………………………………………76 ……………………………………………………………………77 …………………………………………………………78 ( )………………………………………………………78 ……………………………………………………………79 ……………………………………………………………………80 …………………………………………………………81 7 …………………………………………………82 ………………………………………………………………83

7 …………………………………………………………………84 …………………………………………………………………84 …………………………………………………………………85

2
8

………………………………………………………………86 ………………………………………………………………87 ………………………………………………………………88 ………………………………………………………………89 ……………………………………………………………………90 …………………………………………………………90 …………………………………………………………………91 000 000 ……………………………………………92 ………………………………………………95 ……..…………………………………………………95 …………..……………………………………………………96 ……………………………………………………………96 ……………………………………………………………99 ..……………………………………………………101 ………………………………………………………………93

9

……………………………………………………………102 ………………………………………………………………103 ……………………………………………………………………103 ……………………………………………………………………106

10

……………………………………………………………112 ……………………………………………………113 ………………………………………114 … ……… ……………… ……………… …………115 ………………………………………………………115 ………………………………………………………116

8 11 ……………………………………………………………119 …………………………………………………………120 ……………………………………………………………122

3
12

………………………………………………………123 ………………………………………………………124 ………………………………………………………125 …………………………………………127 …………………………………………128 …………………………………………………………130 ………………………………………………………………134

13

……………………………………………………………136 ………………………………………………………………137 …………………………………………………137 ……………………………………………140 ……………………………………………143 …………………………………145 …………………………………………………………………148 ……………………………………………………………149

14

…………………………………………………………………151 ……………………………………………………………152 ………………………………………………………………152 …………………………………………………………155 …………………………………………157 ………………………………………………………………157 ……………………………………………………………159

15

…………………………………………………………………161 …………………………………………………162 …………………………………………………164

9 ……………………………164 16 30/360 …………………………………………………………………165 ………………………………………………………166 ………………………………………………………169 ……………………………………………………………………………172 A RPN ……………………………………………………173

\ ……………………………………………174
………………………………………………………175 ………………………………………………………………175 …………………………………………………175

~ ……….………………………………………………………175 d …………………………………………………………………176
………………………………………………………176 ………………………………………………………176 ………………………………………………………………177 ……………………………………………………………177 …………………………………………………………178 LASTx RPN B ALG

F

………………………………………………178 ………………………………………………179

……………………………………………………180 ……………………………………………………………182 …………………………………………182 ……………………………………………………………182 ALG ………………………………………………183 ………………………………………………………………183 …………………………………………184 ……………………………………………184 ………………………………………………………………185 C IRR ………………………………………………186 ALG

10 D 0 1 2 3 4 5 6: 7 8 9 ………………………………………………………188 …………………………………………………………188 …………………………………………………188 …………………………………………………………189 IRR………………………………………………………………189 ……………………………………………………………189 ………………………………………………………………189 ……………………………………………………190 IRR………………………………………………………………191 ………………………………………………………………191 …………………………………………………………191

Pr Error……………………………………………………………………191 E ……………………………………………………192 ……………………………………………………………………192 ………………………………………………………………………192 ..……………………………………………………………………192 ………..……………………………………………………………193 ……………………………………………………………………193 ……………………………………………………194 …………………………….……………………………………194 ……….……………………………………………………194 ………………………………………………………………………194 ………….………………………………………………194 30/360 …………………………………………………………195 ………………………………………………………………………195 ……………………………………………………………196 ………………………………………………196 …………………………………………197 …………………………………………197 ……………………………………………………………198 …………………………………………………………………198

11 …………………………………………………………………198 ………………………………………………………………199 ………………………………………………………………199 ………………………………………………………………………199 …………….……………………………………………………199 ……….……………………………………………………199 ………….……………………………………………………199 ……….………………………………………………………200 …………….………………………………………………………200 ……………………………………………………………200 F ………………………………………………201 …………………………………………………………………………201 ………………………………………………………………201 ……………………………………………………………201 …………………………………………………………………203 ………………………………………………………203 ……………………………………………………………………205 / …………………………………206 ……………………………………………………………………207 ……………………………………………………………………207 G APR …………………………………………………208 ………………………………………………………………208 …………………………………………………208 ………………………………………………………………208 ……………………………………………………………………209 ……………………………………………………………………211 ………………………………………………………………………212

12

HP 12C/12C Platinum 1

14 $500 $500 6% 4

$6000

n i PV PMT FV n PV PMT FV 0 ;
1

4

×12

/ /

=48 =0.5%/

i 6%/ ÷12 $500

1.

17

18

1.

13

F

¼

!

L

S running

fCLEARHf2 4gA 6gC 500P g× $

0.00 48.00 0.50 500.00 500.00 -21,396.61 5.35%

2

$5000

2 14 FV RPN fCLEARG 14 \2μn 5.35\2n¼ 5000Þ$ M -21,396.61 28.00 2.68 -5000.00 10 470.85

14

21 396.61-10 470.85=10 925.76 6% $10 925.75 14

fCLEARG 14gA 6gC 10925.76M gÂ P 4 $45.00

10,470.85 168.00 0.50 10,925.76 10,925.76 -41.65 6%

45ÞP ¼ 12§

-45.00 0.42 5.01 HP 12C/ 12C Platinum

1

1

1

17

1

HP

C/

C Platinum 12

;

1

;

F

HP 12C/12C Platinum

2~3

f

g

w AMORT f ! 12× g
1.

A

;

18

1

L : L CLEAR H CLEARHfunction… f f g g fCLEARH fCLEARX f g f

.

.

;

;

.

Þ Þ

10

9,999,999,999

1

19

É $1,781,400,000,000 1.7814 12 12

Þ

1.7814É12

1.7814

12

1,781,400,000,000

0 gi000
1

O fCLEAR² fCLEAR Î fCLEARG fCLEARH RPN ALG HP 12C/12C Platinum Polish Notation
1. 12C gi00

X R1~R6

LAST X

RPN Reverse

ALG

Algebraic

20

1

RPN ALG1 RPN ALG RPN = ALG } RPN 1\=2 RPN ALG RPN ALG ALG 1=2} RPN B =
1

f] f[ 1+2=3 1

RPN ALG \

RPN ALG

2

RPN RPN = - § z HP 12C/12C Platinum \ \

1.
1. 12C Platinum 12C

1

21

2. 3. 4.

\ = - § z 13÷2 RPN

13 \ 2 z \

13. 13.00 2. 6.50 0 \ \ \

\

= - § z . Þ i

É f g ? : RPN

\ \

HP 12C/12C Platinum

RPN

$1 $58.33

053.00 $22.92

22

1

$13.70

$10.14 58.33-22.95-13.70-10.14+1053

RPN 58.33 \ 22.95 58.33 58.33 22.95 35.38 \

-

13.70 10.141053+

13.70 21.68 11.54 1,064.54

-

-

HP 12C/12C Platinum

-

1

23

3×4 1

+ 5×6

RPN 3\4§ 5\6§ + 2 2 5 12 6 30
1

12.00 30.00 42.00

1 2 3 1 5 6 2 HP 12C/12C Platinum \ 2 12 HP 12C/12C Platinum

2 HP 12C/12C Platinum

3+4 ×
1.

5+6

=77.00
A

24

1

( 27-14 ) ( 14+38 ) 5 3+16+21

=0.25 =0.13

HP 12C/12C Platinum

A LAST x R0~R9 7 R.0~R.9 “

. .

? 0~9 R0~R9 0~9 R0~R9 $2,500 6 PC PC 6 PC .0~.9 R.0~R.9 PC $3,250 0~9 : R.0~R.9

1

25

PC

3250?1 2500?2 ; … ; :1 6§ :2 +

3,250.00 2,500.00

PC

R1 R2

2,500.00 3,250.00 19,500.00 2,500.00 22,000.00

R1 R2

PC PC

X 0.00

fCLEARH

HP 12C/12C Platinum . . ? = - § z

26

1

.

R0~R4 $1 $58.33 $13.70 $10.14 053.00 $22.92

RPN 58.33?0 22.95? -0

58.33 22.95

R0 R0 R0 R0

13.70? -0 10.14? -0 1053? +0 :0

13.70 10.14 1,053.00 1,064.54

R0 R0 R0 R0

R0 R0 R0

2

28

2

2

HP 12C/12C Platinum Z 4% 0.04 b

b

à

RPN 1. 2. 3. 4. b $300 RPN 300 \ 14 b 300 300.00 14 42.00 \ \ 14% \

HP 12C/12C Platinum

$13,250

8%

2

29

6% RPN 13250\ 8b 6 b + 13,250.00 1,060.00 12,190.00 731.40 12,921.40

RPN 1. 2. 3. 4. à \

2

58.5 RPN 58.5\ 53.25 à à 58.50 53.25 -8.97

53.25

RPN . .

30

2

.

Z 3.92 2.36 RPN 3.92\ 2.36= 1.67 = 2.36 Z 3.92 6.28 7.95 2.36 29.69 1.67

HP 12C/12C Platinum 1. 2. 3. Z O

RPN O3.92 Z O1.67 Z 49.31 21.01 49 21

. 2. \ . . Z 7.95 2

2

31

RPN 7.95 \ 2.36 Z 7.95 2.36 29.69

HP 12C/12C Platinum

1582 10

15

~4046 11 25

M.DY Month-Day-Year 1. 2. 3. 4. 2004 RPN 4.072004 Day-Month-Year 1. 2. 3. 4. 1 2 . 2 4 2004 4 7 gÕ 4 7 . gÕ

D.MY

4.072004

32

2

RPN 7.042004 - Ô 7.042004 Ô - -

- -

HP 12C/12C Platinum \ Þ gD

. . .

1~7

~ 2004 5 14 120 - -

RPN gÔ 7.04 -

5

2

33

14.052004\ 120gD D

14.05 11,09,2004 6

\

1

HP 12C/12C Platinum . . 30 / \ gÒ

360 ~

/ ~

30/ 2004 6 RPN gÕ 6.032004\ 10.142005gÒ ~ 11.09 6.03 498.00 491.00 30 / M-D-Y 3 2005 10 14

M-D-Y

3

35

HP 12C/12C Platinum n FV
1

i

PV

PMT

w $ P M

¼

: w ¼ $ P
2

M

fCLEARG

1. ¼ $ 2.

w P M A C 5 : :MM$ PV PV

M FV PV

$

M $

$

36

3

fCLEARG

HP 12C/12C Platinum

360

365 =

1. 2. 4. 5. 6. n, i, = PV 1 7% RPN 60 w 7¼ 450 Þ$ fÏ = 2 365 60 360 fÏ ¼ Þ$

w

360 365 d~

$450 60

60

60.00 7.00 -450.00 5.25 455.25

+ 7%

1. $

PV

PV

Þ

3

37

RPN 60w 7¼ 450 Þ$ fÏd~ =

60.00 7.00 -450.00 5.18 455.18

365 +

6

$1,000

6%

38

3

2

$50

n n=2×12=24 ~ n PMT i i=6%÷12 PV PV PMT 1,000 $50 FV i PV

3

39

4 NPV IRR FV

n i

PV n

PMT i

PV PMT + +

FV …

g× gÂ BEGIN BEGIN

40

3

PV PMT

FV

3

41

6% i=6%÷4=1.5% ¼

5 n=5×12=60

n=5×4=20 i=6%÷12=0.5% w

gA gC w ¼ w ¼

42

3

1. 2. 3.

f CLEARG ¼ $ P M C $PM

4. 5.

PMT w

g× gÂ

1
1

n

318.15
2

319.00

n 1 $35,000 $325 10.5%

1. 2. n

n ¼

0.005 $ P M

3

43

RPN f CLEAR G 10.5gC 35000$ 325ÞP gÂ w 12z 0.88 35,000.00 -325.00 -325.00 328.00 27.33 328 327 RPN 328w M :P = 328.00 181.89 -325.00 -143.11 327 327 RPN 327w M :P = 2 6.25% $4000 327.00 -141.87 -325.00 -466.87 $775 $50 FV FV
1

$325

$325

1.

328

M

44

3

RPN f CLEAR G 6.25\24z¼ 775Þ$ 50ÞP 4000M gÂ w 2z 0.26 -775.00 -50.00 4,000.00 4,000.00 58.00 29.00 57 $50 RPN MM :P = 4,027.27 -50.00 3,977.27 -22.73 57 58 58 FV $50

1. 2.

f CLEAR G w A

3

45

3. $ P M 4. 5. 6. $6 000 PMT ¼ μ 8 $10,000 g× gÂ

RPN f CLEAR G 8\4μw 6000Þ$ 10000M ¼ 4μ

32.00 -6,000.00 10,000.00 1.61 6.44

1. 2.

f CLEAR G w A

46

3

3. 4. P M 5. 6. PMT $ 1 15%

¼

C

g×

gÂ

4 $150 $1,500 )

(

RPN f CLEAR G 4g A 15g C 150ÞP gÂ $ 1500= 2 $540,000 12% 48.00 1.25 -150.00 -150.00 5,389.72 6,889.72 $17,500 5

3

47

RPN f CLEAR G 5w 12 ¼ 17500P 540000M gÂ $

5.00 12.00 17,500.00 540,000.00 540,000.00 -369,494.09

1. 2. 3. 4.

f CLEAR G w A ¼ $ M g× gÂ C

5. 6.

PMT P 1

29

14.25%

$43 400

48

3

RPN f CLEAR G 29gA 14.25 gC 43400$ gÂ P 2 15 348.00 1.19 43,400.00 43,400.00 -523.99 $60,000 $3,200 9.75%

3

49

RPN f CLEAR G 15\2μw 9.75\ z¼ 3200Þ$ 60000M gÂ P 1. 2. 3. 4. $ P 5. 6. PMT M 1 $43,400 f CLEAR G w

30.00 4.88 -3200.00 60,000.00 60,000.00 -717.44

A ¼ C

g×

gÂ

29

14.25% $523.99 5

50

3

RPN f CLEAR G 5gA 14.25gC 43400$ 523.99 ÞP gÂ M 2 2

60.00 1.19 43,400.00 -523.99 -523.99 -42,652.37 $50 6.25%

RPN f CLEAR G 2gA 6.25gC 50 ÞP g× M 3 $32,000 6

24.00 0.52 -50.00 -50.00 1,281.34 2%

3

51

RPN f CLEAR G 6w 2Þ¼ 32000Þ$ M

6.00 -2.00 -32,000.00 28,346.96

52

3

/ Ò

30

365/12

30 i PV PMT

/ FV

LCD C 1 36

C ?Æ C ?Æ

$4,500 2004 2 15 30 /

15% 2004

3

1

RPN f CLEAR G gÕ gÂ ?Æ 2.152004 \ 3.012004 gÒ ~ 30z 36=w 15gC 4500$ P 2 $120 42

C 2.15 3.012004 15.00 16.00 0.53 36.53 1.25 4,500.00 -157.03

/

$3,950 2004 8 1

2004 7 19

3

53

RPN f CLEAR G ?Æ 7.192004\ 8.012004 gÒ 30z 42=w 3950 $ 120ÞP ¼ 12μ

7.19 8.012004 13.00 0.43 42.43 3,950.00 -120.00 1.16 13.95

HP 12C/12C Platinum f CLEAR G ¼ C $ ÞP g× f! ~ dd :$ :w gÂ

1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11.

54

3

$50,000 13.25% $573.35

25

RPN f CLEAR G 13.25 gC 50000 $ 573.35ÞP gÂ 12 f! ~ :$ :w 1.10 50,000.00 -573.35 -573.35 -6,608.89 -271.31 49,728.69 12.00 f! f! RPN 12 f! ~ dd :$ :w -6,570.72 -309.48 12.00 49,419.21 24.00 : w

: $

PV

n

3

55

RPN 50000 $ 0w 1 f! ~ 1 f! ~ :w 50 000.00 0.00 -552.08 -21.27 -551.85 -21.50 2.00 n

1. 2. 3. $50,000 30 13.25% 25 w 0

RPN 30g A 50000$ P 0w 1 f! ~ :$ 360.00 50,000.00 -562.89 0.00 -552.08 -10.81 49,989.19 n

4

4

57

4

HP 12C/12C Platinum l L

l

L CF0 CF1

CF6 CF1 CF4

CF0

NPV i
1.

NPV IRR

58

4

NPV NPV NPV NPV NPV IRR IRR IRR IRR IRR IRR NPV NPV

NPV NPV

80 80 NPV J CF1 CF2 K CFj gK n CF0 0 j

4

59

CF0 Þ f CLEARH Þ gJ 3. Þ gK 0gK 0gK

1. 2.

4. NPV 1. 2. NPV $80 5 NPV 000 000 ¼ C fl PV 13%

$130

$4,500

60

4

RPN f CLEARH 80000ÞgJ 500ÞgK 4500gK 5500gK 4500gK 130000gK :w 13¼ fl NPV NPV 12C Platinum CF0 81 1~99 Cj a Nj Nj 80 0.00 -80,000.00 -500.00 4,500.00 5,500.00 4,500.00 130,000.00 5.00 13.00 212.18 NPV CF0 CF1 CF2 CF3 CF4 CF5

99

1. 12C

20

4

61

CF0 Þ HP 12C/12C Platinum f CLEARH Þ gJ 3. ga 4. Þ gK 0gK 2 N0 1 0gJ ga

1.
2.

5. ga Nj 1 6. NPV 1. 2. ¼ C fl $79,000 13.5% 10 $100,000 ga K

1 2 3 4 5

$14,000 $11,000 $10,000 $10,000 $10,000

6 7 8 9 10

$9,100 $9,000 $9,000 $4,500 $100,000

62

4

$10,000 RPN f CLEARH 79000ÞgJ 14000gK 11000gK 10000 gK 3ga 9100 gK 9000gK 2ga 4500 gK 100000 gK :w 13.5¼ fl NPV IRR 1. 2. IRR IRR running NPV IRR fL i

$9 000

0.00 -79,000.00 14 000.00 11 000.00 10 000.00 3.00 9 100.00 9 000.00 2.00 4 500.00 100 000.00 7.00 13.50 907.77

0

$907.77

IRR

13.5% IRR RPN fL

fL 13.72

4

63

IRR IRR IRR NPV IRR NPV

NPV IRR ¼ NPV IRR IRR C IRR IRR fl

0

IRR 13

: j j CFj :gK :gK

CF0

1. NPV 2. 3. IRR 58

NPV

IRR

64

4

CFj Nj :ga n

CFj :ga:gK

Nj

NPV :gK n Nj CFj

IRR n CF0 NPV IRR Nn n 5

CFn RPN :5 5w :ga 7w

n

9,000.00 5.00 2.00 7.00

CF5 5

n 2

RPN :ga :gK :ga :gK :ga :gK ……

1.00 100,000.00 1.00 4,500.00 2.00 9,000.00 ……

N7 CF7 N6 CF6 N5 CF5 ……

4

65

:ga :gK :ga :gK 7w

1.00 14 000.00 1.00 -79,000.00 7.00

N1 CF1 N0 CF0

? . . . n CF0 NPV IRR ga n Nj n

2 NPV RPN 9000? 2 13.5¼ fl 2 NPV

$11,000

$9,000

13.5%

9,000.00 13.50 -644.75 5 2 4

66

4

RPN 5w 4ga 7w fl 5.00 4.00 7.00 -1,857.21 E 5 n N5

HP 12C/12C Platinum S $100/ 30/360 16

1. 2. 3. 4.
5.

¼ P \ fE PV ~ 2004 4 28 8.25% = 6.75% 2018 6 4

RPN 8.25¼ 6.75 P gÕ 4.282004\
1.

8.25 6.75 6.75 4.28

4

67

6.042018 fE =

6.042018 87.62 90.31

1. 2. 3. 4. 5. fS

$ P \

i YTM RPN 3\ 8z 88=$ 6.75P 4.282004\ 6.042018 fS 0.38 88.38 6.75 4.28 6.042018 8.15 running 883/8

HP 12C/12C Platinum $ M

SL

SOYD DB

1. 2. 3. 4. ¼

0M w

68

4

5. 6. fV fÝ Ý# V Ý # ~ $10,000 $500 RPN 10000$ 500M 5w 200¼ 1f# ~ 2 f# ~ 3 f# ~ 10,000.00 500.00 5.00 200.00 4,000.00 5,500.00 2,400.00 3,100.00 1,440.00 1,660.00 1 1 2 2 3 3 13 SL 200DB 3 5

5

70

5

5

HP 12C/12C Platinum LAST x

-

;

g(

M-D-Y END Pr Error

RPN

ALG2

(

)2

f

g

BEGIN

D.MY

C

PRGM

1. 12C 2. 12C

g( 00

5

71

RPN 19.8745632 \ 519.87 14.87

14.87456320

…

2 3 5~9 2 1

3 3 0~4 2

B

! V

Ý #

14.87 HP 12C/12C Platinum f 0~9

2

72

5

14.87456320

f4 f1 f0 f9

14.8746 14.9 15 14.87456320 10

7

10

-9.123456-78

2 7

5

73

1 1 f. 14.87456320 14.87456320 f. 14.87456320 1.487456 01 f 0~9

10 2

fCLEARX

10 X

fCLEARX f2

1487456320 1.487456 01 14.87

10

running running

74

5

9.999999

99

9.999999999×1099 -9.999999 99 10-99

0

Error 0 —Error Pr Error —Pr Error

~ ~

25.83\144.25 ~ ~

144.25 25.83 118.42

~ ~ F

2 2

5

75

gF last x

$4.38/ 250 15\ 4.38 § 75 gF § 250 gF § 15.00 4.38 65.70 75. 4.38 328.50 250. 4.38 1,095.00 A

15

75

429,000

987 9,987 987

429000\ 9987 z gF 429000\ 987 z

429,000.00 9,987. 42.96 9,987.00 429,000.00 434.65

z

6

6

77

6

HP 12C/12C Platinum R1~ R6 _ _ f CLEAR²

1. 2. 3. 4. R1 R2 R3 R4 R5 R6 _

Y \ X _

X X Y Y X Y

1.

78

6

R1 R2 R3 R4 R5 R6

n x x2 y y2 xy x x y y x

y

_

gFg^

g^ _

_

gÖ

X Y

Y

X ~

1 2 3 4 5 6 7

32 40 45 40 38 50 35

$17 $25 $26 $20 $21 $28 $15

000 000 000 000 000 000 000

6

79

RPN f CLEAR² 32\ 17000_ 40 \ 25000_ 45\ 26000_ 40\ 20000_ 38\ 21000_ 50\ 28000_ 35\ 15000_ gÖ ~

0.00 32.00 1.00 40.00 2.00 45.00 3.00 40.00 4.00 38.00 5.00 50.00 6.00 35.00 7.00 21,714.29 40.00

gv v

X

Y Y

X ~ x y

RPN gv ~ HP 12C/12C Platinum 4,820.59 6.03 x y

7

80

6

RPN gÖ _ Gv ~ 21,714.29 8.00 4,463.00 5.58 gÖg^ x y

X Y X 1. 2. 1. 2. gQ gR X Y Y Y X X Y

Y X

48 RPN 48gQ 28,818.93 48 ~ r

HP 12C/12C Platinum r r 0 RPN ~ 0.90 r x y -1 1 r

6

81

y=A+Bx 1. 2. gR y A B gR~d~RPN 0gR 1gR~d~y=A+Bx y=15.55+0.001x 15.55 0.001 y B A

1. 2. 3.

f CLEAR² \ gh 15 $1.16 $1.20 7 17 $1.24 $1.18 Ö h RPN 10 _

f CLEAR² 1.16\15_ 1.24\ 7_ 1.20\10_ 1.18\17_ Gh

0.00 1.00 2.00 3.00 4.00 1.19

1 2 3 4

7

7

83

7

HP 12C/12C Platinum

y

g’

gr

g°

g>

e

ge

84

7

10 10 fB

gÑ 0 gF

gT 0 0.258 RPN .258 y 0.258 3.88 258 0.258 gF

RPN fCLEARX fB fX

3875968992 3.88 3.88 3880000000 X

10

10

7

85

3.88 gÑ gF gT 3.00 3.88 0.88

q 1. 2. 3. 4. q RPN 2 2
1.4 -1.4 3

\

2 \1.4q 2 \1.4Þq 2Þ\3q 2\3yq

2.64 0.38 -8.00 1.26

-2 21/3

3

2

88

8

HP 12C/12C Platinum

1. 2. fs PRGM fCLEARÎ

3. 4. 5.

RPN

ALG

25% $5 $200 RPN 200 \ 25 b 5 = 200 200.00 50.00 150.00 5. 155.00

8

89

RPN fs fCLEARÎ 000, 000, 200 RPN \ 2 5 b 5 = 001, 002, 003, 004, 005, 006, 007, 36 2 5 25 30 5 40

1. 2. 3.

fs PRGM t $625

$159 RPN fs 625 t
1.

155.00 625. 473.75
12C Platinum 99 12C 12C Platinum

90

8

159 t

159. 124.25

f g ? : (

HP 12C/12C Platinum

0~9 2 9 0 3

2

1 4 1~9

1. 12C

00

8

91

b 004, 25 007, 40 5 = 5 xxx

fg?:(

gÒ ?=1 g(000

nnn, nnn, nnn,

43 26 44 40 1 43 , 33 , 000

fs

1.

Ç

92

8

2. Ç

gÜ 1 2

fs Ç Ç gÜ gÜ gÜ

000, 001, 36 002, 2 001 002

\
2

001, 36 000,

001 000

Ç

Ü Ç

Ç Ç 007 Ç Ç 8 ( 000

001, 36

001 007

…
007, 40

008,

43,33,000

008

g(000 000
1

8 000

( 000

1.

12C

00

99

8

93

000 000 (000 (000 ( 000 8 000 (000 8 ( 000 008 001~008

8

20

94

8

310 311~316

R.9 (

317 324 331 7 6 ( 000 gN P r 317 324

12C: (99=8+[13×7])

99 R0~ R6

13 7

8

95

12C Platinum: (400=8+[56×7])

400 R0~ R6

56

400 : :

12C 99

2

25

1. 2. .

g(. g(

RPN g(.000 000, 000

Ç Ç Ç

96

8

RPN fs 625 Ç Ç Ç Ç Ç Ç Ç

124.25 625. 001, 36 625.00 002, 2 2. 003, 5 25. 004, 25 156.25 005, 30 468.75 006, 5 5. 007, 40 473.75 gÜ Ü

1 2 3 4

\ 2 5 b -

6

5 +

gÜ

Platinum /

u

HP12C/12C t

u

1

t

8

97

6.75% R0 b

gu u RPN 6.75?0 fCLEAR² AMOUNT TAX

6.75 0.00

R0 R1~R6

98

8

13 \ 68.5 μ ?=1 :0 b ?=2 = ?= 3

13. 13.00 68.5 890.50 890.50 6.75 60.11 60.11 950.61 950.61

R1

R2 R3

RPN fs fCLEARÎ f] μ gu ?=1 :0 b gu ?= 2 = ?= 3

000, 000, 001, 002, 003, 004, 005, 006, 007, 008, 009, 010,

42 43 44 45 43 44 44

16 20 31 40 1 0 25 31 40 2 40 40 3

RPN AMOUNT

TAX

RPN fs fCLEAR² 6.75? 0 13 \ 68.5 t

950.61 0.00 68.5 890.50

R1~R6

8

99

18 \72.9 t

24 \85 t

5 \345 t

:1 :2 :3 u

60.11 950.61 72.9 1,312.20 88.57 1,400.77 85. 2,040.00 137.70 2,177.70 345. 1,725.00 116.44 1,841.44 5,967.70 402.82 6,370.52

1 1 2 2 2 2 3 3 3 3 4 4 4 4

t t t RPN f] fs fCLEARÎ μ t ?=1 u RPN 000, 000, 001, 002, 003, 44

20 31 40 1

100

8

:0 b t ?=2 = ?=3 fs fCLEAR² 13 \ 68.5 t t t 18 \ 72.9 t t t 24 \ 85 t t t 5 \ 345 t t t :1 :2 :3

004, 45 0 005, 25 006, 31 007, 44 40 2 008, 40 009, 44 40 3 6,370.52 0.00 68.5 890.50 60.11 950.61 72.9 1,312.20 88.57 1,400.77 85. 2,040.00 137.70 2,177.70 345. 1,725.00 116.44 1,841.44 5,967.70 402.82 6,370.52

R1~R6

+

=

+

=

+

=

+

=

Error Error

8

101

fs t fs 1. 2. 3. t fs g( t

u

9

9

103

9

HP 12C/12C Platinum

(

go to ( (

( 000 000 (000 o m (

( (

104

9

o t f!

m

1

12

12.75% 30 Ê 3 t RPN f] fs f CLEAR Î ? :0 RPN 000, 000, 001, 002,

$50,000

44 45

0 0 1

R0

AMORT

f! gu ~ gu g (002

003, 004, 005,

42 11 43 31 34

006, 43 31 007,43,33,002 003

002

fs f CLEAR G

0.00 0.00

9

105

RPN 30 g A 12.75 g C 50000 $ gÂ P 0w 1 Ê Ê

360.00 1.06 50 000.00 50 000.00 -543.35 0.00 1. 001, 44 0 1.00 002, 45 0 1.00 003, 42 11 -531.25 004, 43 31 -531.25 005, 34 -12.10 006, 43 31 -12.10 007,43,33,002 -12.10 002, 45

n 1 2 ?0 :0

Ê Ê Ê Ê Ê

3 4 5 6 7

f! gu ~ gu g(002

Ê

0 2

2

:0 2

Ê Ê

1.00 003, 42 -531.12 004, 43 -531.12

11 31

3 4

f! gu

106

9

RPN Ê Ê Ê 005, 34 -12.23 006, 43 31 -12.23 007,43,33,002 2 t t -12.23 -530.99 -12.36 -12.36 5 6 7 ~ gu g(002

HP 12C/12C Platinum o Y X 2 Y m X 4\5 4 Y \ 5 0 X X y x A

9

107

001 002, 003, 004, 005, 006,

( (

001 002, 003, 004, 005, 006, 007,

004

007

008,

$20,000 20% 20,000 $20,000 R0 o 25% 20 25 X Y R1 R2

108

9

1
: 0

X X 2 A Y
:2

20 000 A

Y ~ X Y X Y b 005 000 RPN f] fs

007 :1 ~ Y

X 008

20

RPN 007, 43, 33, 002

f CLEAR Î :0

000, 001, 45 0 X Y

9

109

RPN ~ 002, 34 Y go 003, 43 34 X Y 20,000 g(007 :2 g(008 :1 b fs 004, 005, 43, 33, 007 45 2 X 006, 43, 33, 008 007, 45 1 008, -12.36 25 008 20% X 007 25% X

R0 Ê RPN 20000 ? 0 20 ?1 25 ?2 15000 Ê

R1

R2

20,000.00 20.00 25.00 15,000. 001, 45 20,000.00 0 001

R0 20% 25% X :0 X R1 R2

110

9

RPN Y Ê 002, 34 15,000.00 003, 43 34 15,000.00 004,43,33,007 002 ~ X 003 Y go o 004 g ( 007 Ê 15,000.00 007, 45 1 20.00 007 20% :1 X Y

Ê Ê

Ê 20000 Ê

008, 3,000.00 20,000. 001, 45 20,000.00

25

008 b 15,000 20% 3,000 X

0

001

:0 X Y

Ê

002, 20,000.00

34

002

~ X Y go o 004

Ê Ê

003, 43 34 20,000.00 004,43,33,007

003

9

111

RPN g( 007 Ê Ê 25000 Ê 20,000.00 007, 45 20.00 008, 4,000.00 25,000. 001, 45 20,000.00 1 25 007 :1

0

008 b 20,000 20% 4,000 X Y 001 :0 X Y

Ê

002, 25,000.00 003, 43 25,000.00 005, 45

34

002

o X Y go o

Ê Ê

34 2

003

005 25.00

:2 25% X Y g(008

Ê Ê

006,43,33,008 25.00 008, 25 6,250.00

006

008 b 25,000 25% 6,250

10

10

113

10

? u t

u

1. 2. 3.

fs Ê Ü (.

5 5 5

g(.004

R2 :2 RPN f] fs g(.004 :6 Ê 000, 004,43,33, 007 005, 45 6 :2 006,43,33, 008 6 005 RPN :6

114

10

RPN fs :2?6 6,250.00 25.00 R2 R6

1. 2. 3.

fs g(.

RPN f] fs g(.008 fs 15000t 000, 008, 009, 25.00 12,000.00 20% 25 30 RPN

10

115

4 4 (

1. 2. 3. 4.

fs g(.

(

-

-

t RPN f] fs 000, RPN

-

116

10

RPN g(.008 t fs 15000t t 008, 009, 010, 25 31 30

12,000.00 3,000.00 12,000.00 20%

1. 2. 3. 4. 5. 6. 7. 8.

fs g(. g( g(. g(000

g(

$7,500 000 R3 000 001 :3~gog(000

10

117

RPN f] fs g(.000 000, 000, RPN

g(012 g(.010 g(000 :3 ~ go g(000 :0

001, 43, 33, 012 010, 30 011,43,33, 00 012, 45 3 013, 34 014, 43 34 015,43,33,000 016, 45 0

012

2 (000

(000

(012 001 g(002 017,43,33,002 002 fs 7500?3 6500t 12,000.00 7,500.00 6,500.00 2

R3

15000t t

3,000.00 12,000.00

15,000

7,500

20,000

118

10

012 000

001 002

11

120

11

11

t

(

1. 2.

fs g(. 3 ( 000 2 1 3 7 (000 1 000 t g( 1 8 2 1 (000 4 2

3.

g(000

4. 5. 6.

17 88

11

121

5 RPN f] fs g(.017 g(000 \ 2 5 b 5 = t g( 019 fs

6 RPN

000, 017,43,33,002 018,43,33,000 019, 36 020, 2 021, 5 022, 25 023, 30 024, 5 025, 40 026, 31 027,43,33,019 12,000.00 1

2 9 104 3 5 ( :0 034 RPN f] fs 000, RPN :0 029 6

27

002 (

122

11

RPN g(.027 ?0 :0 f! gu ~ gu g(029 027,43,33,019 028, 029, 030, 031, 032, 033, 43 44 45 42 43 0 0 11 31 34 31

034,43,33, 029

001 1. 2. 3. fs g( t 19 $625 RPN f] fs g(019 625t 12,000.00 12,000.00 473.75 RPN

3

12

125

PV

1. 2.

gÂ f CLEAR G w ¼ $ P

a. b. c. d. 3. :$ b-$ :$

-$ :$

b-$ 4. 5. ¼ μ

126

12

1 30 RPN gÂ f CLEAR G 30 gA 11.5 gC 60000$ P :$2 b-$ ¼ 12μ 2 RPN gÂ f CLEAR G 30 gA 11.5 gC 60000 $ P :$ 150 -$ ¼ 12μ 360.00 0.96 60,000.00 -594.17 59,850.00 0.96 11.53 1 360.00 0.96 60,000.00 -594.17 58,800.00 0.98 11.76 11.5%

$60

000

2

$150

12

127

3

1

$150

2

RPN gÂ f CLEAR G 30 gA 11.5 gC 60000$ P :$2 b150-$ ¼ 12μ 360.00 0.96 60,000.00 -594.17 58,800.00 58,650.00 0.98 11.80

1. 2.

gÂ f CLEAR G w w ¼ P $ 6

3. 4. 5.

128

12

6.

$ 1 72 $2000 9% RPN 5% $137.17 6

gÂ f CLEAR G 72 w 9 gC 137.17 P 2000 M$ 2 12% RPN gÂ f CLEAR G 26 gA 9.5 gC 49350 Þ$P 12 gC $ 312.00 0.79 427.17 1.00 -40,801.57 9.5% 72.00 0.75 137.17 -8,777.61 26 $49 350

12

129

1. 2.

gÂ fCLEAR G w w P $ M 6 ¼ μ 1 21 42 9% $100 000 $79

3. 4. 5. 6. 7.

000 RPN gÂ f CLEAR G 21 gA 9 gC 100000 Þ$ P :w 42 -w 79000 Þ$ ¼ 12μ 2 RPN gÂ 1 252.00 0.75 -100,000.00 884.58 252.00 210.00 -79,000.00 0.97 11.68 5

130

12

f CLEAR G 21 gA 9 gC 100000 Þ$ P 5 5 gA M :w 42-w 79000 Þ$¼ 12 μ 60.00 89,849.34 60.00 18.00 1.77 21.29 5 252.00 0.75 -100,000.00 884.58

NCPR NCPR RPN f] fs f CLEARÎ M M :7 b 000, 000, 001, 002, 003, 45 004, 25 15 15 7 Þ M t :.1 :w z :4 RPN 032, 033, 034, 036,45 037, 10 038, 45 4 16 15 31 11

035,45 48 1

12

131

RPN ?7 :w ?0 :$ f CLEAR G :1 $ :3 gC :2 gA P :0 :7 0 w :0 1 2 μ f! ?.1 :7 005, 006, 44 007, 45 008, 44 009, 45 010, 42 011, 45 012, 013, 014, 45 015, 43 016, 45 017, 43 018, 019, 020, 021, 022, 023, 45 024, 025, 026, 027, 42 30 7 11 0 13 34 1 30 13 3 12 2 11 14 45 0 45 7 0 11 0 1 2 20 11 -

RPN 039, 041, 042, 45 043, 45 044, 045, 45 046, 047, 45 048, 049, 050, 051, 052, 45 053, 43 054, 45 055, 45 056, 057, 058, 059, 061, 062, 063, 45 43 40 16 13 12 31 9 12 30 25 14 4 30 5 30 8 40 30 16 14 0 11 1 6 040,45 48 0

:.0 b :P :4 :5 :8 = Þ P :0 gA :1 :6 = Þ $ ¼ :gC t :9 gC

060,45,43,12

028,44,48 1 029, 45 7

132

12

RPN :$ + n FV R3 R7 %Comm. R.1 1. 2. 3. 4. 5. 6. ?5 7. 8. ?7 9. 10. 11. 12. 13. 14. 15. 16. t t f CLEAR G ¼ $ ?.0 ?8 ?6 ?1 ?2 ?3 ?4 030, 45 13 031, 40 M

RPN 064, 15 fs PV R1 Taxes/Mo Rent R9 Dwn Pmt R5 Improve. PMT R2 R.0 Life Bracket R6 Closing C.

i Apprec. R0 R4 R8

?9 w

12

133

17. 18. 19.

t

12 4 $70 000 000 12% 6% 10% 6.25% RPN f CLEAR H 7000?1 30?2 12?3 110?4 65?5 1200?6 8?7 400?8 6.25?9 30?.0 f CLEAR G 4w 10¼ 70000$ 0.00 7,000.00 30.00 12.00 110.00 65.00 1,200.00 8.00 400.00 6.25 30.00 30.00 4.00 10.00 70,000.00 30 2% $110 $400 25% 5% $65 $1200 $7

134

12

RPN t t t 32,391.87 19.56 21,533.57 $10,858.30 32,391.87-21,533.57 6.25% NCPR

CF0 1 $20 000 9 $7 000 RPN f CLEAR H 0 gJ 0 gK 8 ga 7000 gK 4 ga 6¼ fl 0.00 0.00 0.00 8.00 7,000.00 4.00 6.00 15,218.35

NPV

6%

1 2 10 9 13

NPV 2

6 $750

$500

12 “ ” “ “

$600 ” ”

6

7

24

12

135

NPV 2 $500 RPN f CLEAR H 500 gJ gK 5 ga 600 gK 12 ga 750 gK 6 ga 13.5 gC fl 0.00 500.00 500.00 5.00 600.00 12.00 750.00 6.00 1.13 12,831.75 6 7 18 1 1 6 2 12 13.5% $600 6 6 $750

13

13

137

13

(RPN f] fs fCLEARÎ 1 2 = ?1 ~ ?2 1 ?0 1 fV :1 μ 000, 000, 001, 002, 003, 005, 007, 008, 010, 1 2 10 34 1 30 1 w

(RPN 021, 022, 023, 45 30 11 0

:0 gm g(035 :2 gu :0 fV t 1 ?=0 ?=2 g(026 :2 gu

024, 43 35 025,43,33,035 026, 45 027, 43 028, 45 029, 42 030, 031, 032, 44 033, 44 035, 45 036 43 2 31 0 23 31 1 40 40 2 31 0 2

004, 44 1 006, 44 2

009, 44 0 011, 42 23 012, 45 1 013, 20

034,43,33,026

138

13

(RPN ?3 :$ ~ $ :w :1 014, 44 016, 017, 018, 019, 45 11 020, 45 1 3 015, 45 13

(RPN :$ :M :3 g(030 fs 037 038 039 040 041 45 45 45 13 15 30 3 43, 33,

n FV Salvage R3 1. 2. 3. 4. 5. 6. 7. ~, t f CLEAR G 1stYr. Dep.

i R0 R4~R.4

PV Dep. R1 #Mos./12

PMT R2 Counter

$ M w \ t :$:3=~-:M-

8. 9.

g(000 12

2 +1

3

3

13

139

4

1st 2nd year

3rd 4th year

3 year life

1 $125 000

$150

000

$25 25

000 25 $125 000

4 1 2 RPN f CLEAR G 125000$ 25 w 1\ 4t ~ t ~ t ~:$:3 125,000.00 25.00 1.00 1.00 1,666.67 123,333.33 2.00 5,000.00 118,333.33 3.00 5,000.00 0 25 26 3

140

13

RPN =~g(000 f CLEAR G 125000$ 25w 25\ 4t ~ t ~ 2 5 RPN g(000 f CLEAR G 6730 $ 5w 1\ 4.5 t 6,730.00 5.00 1.00 1.00 504.75 1 11,666.67 125,000.00 25.00 25.00 25.00 5,000.00 3,333.33 26.00 3,333.33 0.00 4.5 26 $6 730 26 25 25 11,666.67

13

141

RPN f] fs f CLEARÎ 1 2 z ?1 ~ ?2 1 ?0 1 f# :1 μ ?3 :$ ~ $ 000, 000, 001, 002, 003, 004, 005, 006, 007, 008, 009, 44 010, 012, 45 013, 014, 44 016 017, 018, 34 30 13 1 2 10 44 34 44 2 1 30 0 1 1 20 3

RPN :0 gm g(031 :2 gu :0 f# t 1 ?=0 ?=2 g(022 :2 gu :$ :M :3 g(026 fs 019, 45 020, 43 022, 45 023, 43 024, 45 025, 026, 027, 028,44 029, 44 031, 45 032, 43 033, 45 034, 45 035, 036, 45 40 40 2 31 13 15 30 3 42 0 35 2 31 0 25 31 1 0 2

021,43,33,031

030,43,33,022

011, 42 25

015, 45 13

037,43,33,026

n

Life st i R0

Factor

PV R1

Dep. #Mos./12

PMT R2 Counter

FV Salvage R3 1 Yr. Dep.

R4~R.4

142

13

1. 2. 3. 4. 5. 6. 7. 8. ~ t ~ g(000 4 2 6 RPN fCLEARG 50000$ 8000M 150¼ 6w 2\ 4t 50,000.00 8,000.00 150.00 6.00 2.00 2.00 11,458.33 2 DB $8,000 DB 150% DB f CLEAR G $ M ¼ w \ t :$:3=~-:M-

9. 10.

2 $50,000

13

143

RPN f] fs fCLEAR Î 1 2 z ?1 ~ ?2 1 ?0 1 fÝ :1 μ ?3 :$ ~ $ :w :1 000, 000, 001, 002, 003, 004, 44 005, 006, 44 007, 008, 010, 1 30 1 1 2 10 1 34 2 w

RPN 021, 022, 023, 45 30 11 0

:0 gm g(035 :2 gu :0 fÝ t 1 ?=0 ?=2 g(026 :2 gu :$ :M :3 g(030 fs 1

024, 43 35 025,43,33,035 026, 45 027, 43 028, 45 029, 42 030, 031, 032, 44 033, 44 035, 45 036, 43 037, 038, 039, 040, 45 45 45 31 1 40 40 2 31 13 15 30 3 0 2 2 31 0 24

009, 44 0 011, 42 24 012, 45 1 013, 014, 44 016, 017, 018, 34 30 13 20 3

034,43,33,026

015, 45 13

041,43,33,030

019, 45 11 020, 45

144

13

n R3 1. 2. 3. 4. 5. 6. 7.

Life 1stYr.

i R0 R R

PV R1

Dep. #Mos./12

PMT R2

FV Salvage

fCLEARG $ M w \ t ~, t ~ g(000 $12 000 25 RPN $500 SOYD 11 4 5 :$:3=~-:M-

8. 9.

2

fCLEARG 12000$ 500M 25w 4\ 11t 12,000.00 500.00 25.00 4.00 4.00 781.41 4

13

145

RPN ~ t ~ 8,238.71 5.00 746.02 7,492.69 5 5 4

1 RPN f] fs fCLEARÎ 1 2 z ?6 :w ~ ?4 d ?0 1 ?-0 ?2 ?3 000, 000, 001, 002, 003, 004, 44 006, 007, 008, 44 009, 010, 44 011, 013, 44 014, 44 1 2 10 6 34 30 4 33 0 1 2 3 z go g(053 g(065 d 0 :0 go g(086 :$ :5 $ 1 ?-4 g(040 RPN :4 048, 45 049, 4 10

050, 43 34 051,43,33,053 052,43,33,065 053, 054, 055, 056, 058, 059, 060, 061, 062, 063,44 30 43 45 45 33 0 45 0 34 13 5 30 13 1 4

005, 45 11

057,43,33,086

012,44 30 0

064,43,33,040

146

13

RPN f# :6 μ ?1 :$ ~ $ \ gF ~ :M ~ :0 1 go g(039 d d 1 gu d t 1 ?=2 ?-0 015, 42 25 016, 45 017, 018, 44 020, 021, 022, 023, 025, 027, 028, 029, 45 030, 34 30 13 36 34 30 34 0 1 6 20 1 w 0

RPN :4 065, 066, 067, 068, 069, 070, 44 071, 44 072, 073, 44 074, 075, 077, 078, 44 30 079, 44 40 080, 44 40 081, 082, 083, 084, 086, 087, 088, 089, 090, 091, 45 43 43 45 42 30 40 45 30 45 44 45 4 11 0 6 1 2 0 5 1 3 23 1 1 0 2 3 0 1 34 33 33 2 31 33 31

?6 1 ?-2 ?+0 :5 ?-1 :3 fV ?=1 1 ?-0 ?=2 ?=3 d :0 1 go g(074 d d :2 gu d t 33 33 1 43 33 31 1 2 0

019, 45 13

024, 43 40 026, 45 15

076, 44 40

031, 43 34 032,43,33,039 033, 034, 035, 036, 037, 038, 039, 040,44 40 041,44 30

33

085,43,33,074

13

147

RPN f# ?=1 ?5 :$ :M 042, 42 043,44 40 044, 44 045, 45 046, 45 047, 25 1 5 13 15 30

RPN :6 gm g( 074 g( 058 fs 092, 093, 45 43 6 35

094,43,33,074 095,43,33,058

n R3 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12.

Life

i R0 R4

Factor

PV R1 R5 Dep.

Dep.

PMT R2 R6 Counter

FV Salvage

f CLEAR H $ M w DB ¼ \ t ~ :1 t 9 g( 000 $11 000 8 1 $500 7 10 2 6 200%DB

148

13

RPN fCLEARH 11000$ 500M 8w 200¼ 1\ 6t ~ t t t t t t :1 t t 11,000.00 500.00 8.00 200.00 1.00 1.00 1,375.00 9,125.00 2.00 2,406.25 3.00 1,804.69 4.00 1,353.51 5.00 1,015.14 6.00 761.35 7.00 713.62 9,429.56 8.00 713.63 9.00 356.81 9 8 7 7 6 5 4 3 2 1 1 DB

13

149

1. 2. z -

\ \ μ

3.

7 RPN 9429.56\ 10500\ 8z 6.5μ IRR 9429.56 10 500.00 1 312.50 8 531.25 898.31 7

10%~20% IRR IRR IRR 3 29 MIRR IRR IRR 3 IRR 1.86 3 14.35

IRR

1.

NFV

150

13

2. 3. n PV FV i

NPV

0 1 2 3 4

1 5 5 9 1 MIRR

-180 000 100 0 200 000 000 -100 000

RPN fCLEARH 0gJ 100000gK 5ga 0gK5ga 0gK9ga 200000gK 10gCfl Þ$ 20wM 180000ÞgJ 0gK5ga 100000ÞgK 5ga 6gCfl 20w¼ 12μ 0.00 0.00 5.00 5.00 9.00 200,000.00 657,152.37 775,797.83

NPV NFV

-660,454.55 0.81 9.70

NPV MIRR MIRR

14

152

14

14

1. 2. 3. 4. 5. 6.

gÂ f CLEAR G \ ? 0-w ¼ 1 ÞP$:0 = ~z, 1 $750 3 RPN 12 10%

gÂ fCLEARG 12\ 3?0-w 10gC 12.00 9.00 0.83

14

153

1ÞP $:0= 750~z

-1.00 11.64 64.45 HP 12C/12C Platinum

RPN f] fs fCLEARÎ gÂ fCLEAR G :0 :1 w :2 ¼ 000, 000, 001, 43 002, 42 003, 45 004, 45 005, 006, 007, 45 008, 8 34 0 1 30 11 2 12 1 Þ P $ :1 = :3 ~ z

RPN 009, 010, 011, 012, 013, 45 014, 015, 45 016, 017, 1 16 14 13 1 40 3 34 10

fs

n R3 1. 2. 3. 4.

n-#Adv.pmt Load

i R0

i n

PV R1 #Adv. Pmt.

PMT R2 i

-1

FV 0

R4~ R.7

?0 ?1 ?2

154

14

5. 6. 2 RPN 12?0 3?1 10\12z ?2 750?3t 15\12z ?2t 3 1

?3 2

t

15% 12.00 3.00 0.83 64.45 65.43 15%

RPN 1?1t 66.86

RPN g× fCLEARG 12w15gC 750Þ$P 1.25 66.86

14

155

1. 2. 3. 4. 5. 6.

gÂ fCLEARG \ ?0-w P Þ:0:Pμ=$ ¼ 1 $600 RPN 60 3 $25 000

gÂ fCLEARG 60\3 ?0- w 600P 25000Þ:0 :Pμ=$ ¼ 12μ 3.00 -23,200.00 1.44 17.33 HP 12C/12C Platinum RPN f] fs 000, :3 Þ RPN 009, 45 010, 3 16 57.00

156

14

RPN fCLEAR Î gÂ f CLEAR G :0 :1 w :2 P 000, 001, 43 002, 42 003, 45 004, 45 005, 006, 007, 45 008, 8 34 0 1 30 11 2 14 :1

RPN 011, 45 012, 45 013, 014, 015, 016, 1 14 20 40 13 12

:P μ = $ ¼ :gC fs

017,45,43 12

n R3 1. 2. 3. 4. 5. 6.

n-#Adv. Pmts. Load

i R0

interest n

PV R1 Adv.

PMT Pmt. R2 Pmt.

FV 0

R4~ R.7

?0 ?1 ?2 ?3 2 2 RPN 1 60.00 3.00 600.00 17.33 625 t

60?0 3?1 600?2 25000?3t

14

157

625?2t

19.48

RPN f] fs fCLEARÎ gÂ f :0 w :1 ¼ :3 M $ :2 = ?5 0 M

RPN

:w :4 w 1 Þ P $ :4 = :5 ~ z fs

n FV Residual

i R0

interest #Pmts n

PV R1 i

PMT R2

-1 Load

158

14

R3 1. 2. 3. 4. 5. 6. 7.

Residual

R4

#Adv. Pmt.

R5

R6~R.6

?0 ?1 ?2 ?3 ?4 2 1 4 15% 22 000 48 30% t

RPN 48?0 15\ 12z?1 22000?2 30b?3 4?4t 487.29 1.25

14

159

2 RPN

1

%

487.29 18\12z ?1t 1.50 520.81

1. 2.

f CLEAR H gJ

3. ga 4. 5. 0 gK

gK

1 gK fL 36

ga

$5,000 1 $1,500 1

$145

160

14

RPN fCLEARH 5000Þ \ 145\2 μ=gJ 145gK34ga 0gK 1500gK fL12μ -4,710.00 34.00 0.00 1,500.00 18.10 34 35 36

15

162

15

1. 2. 3. 4. 5.

gÂ f CLEAR G \ wz¼ 100 M= 1 RPN 5.25% Þ\$

gÂ fCLEARG 5.25\ 4wz¼ 100Þ\ $M= 5.35 5.25 1.31

RPN f] fs fCLEARÎ 000, 000,

15

163

gÂ fCLEARG w z ¼ 1 0 0 Þ \ $ M = fs

001, 002, 003, 004, 005, 006, 007, 008, 009, 010, 011, 012, 013,

43 42

8 34 11 10 12 1 0 0 16 36 13 15 40

N FV 1. 2. 3. 4. 2 RPN 5.25\ 12 t 2

i R0~R9 \

PV 0

PMT

t

5.25%

12

5.38

164

15

1. 2. 3. 4. 5.

fCLEARG w 100 \$ =ÞM¼ :wμ

% RPN fCLEARG 4w100\ $ 5.35=Þ M¼ :wμ 100.00 -105.35 1.31 5.25

1. 2. 3.

1\ b g>à 5.25% RPN

1\5.25b g> à 1.05 5.39

166

16

30/360

30 30 / 360 / RPN :0 000, 000, 001, 42 34 002, 43 7 003, 45 2 004, 005, 006, 2 10 14 gm g(044 2 z ¼ $ Þ d ~ d d d ~ gF ~

/

360

/ 6

RPN f] fs fCLEARÎ fCLEARG g× :2 2 z P ?6 :5 = M :3 :4 gÒ d

026, 45

0

027, 43 35 028,43,33,044 029, 030, 031, 032, 033, 034, 035, 036, 037, 038, 039, 040, 041, 43 042, 2 10 12 13 16 33 34 33 33 33 34 30 40 34

007, 44 6 008, 45 5 009, 010, 40 15 3 4

011, 45 012, 45 014,

013, 43 26 33

16

167

RPN 1 8 0 z w gT 1 ~ :6 μ 015, 016, 017, 018, 019, 021, 022, 023, 025, 1 8 0 10 11 1 34 30 6 20

RPN g(000 d :1 + Þ $ ¼ 2 μ fs 043,43,33,000 044, 045, 046, 047, 048, 049, 050, 051, 33 45 1 40 16 13 12 2 20

020, 43 24

024, 45

n R3

days/180 Dset

i

yield/2

PV Price R1 R5 Price Redemption

PMT R2 Coupon R6

FV Red+Cpn./2

R0 Yield R4 Dmat

R7~ R.3

1. 2. 3. 4. 5. 6. 7. MM,DDYYYY MM,DDYYYY C ?É ?2 ?3 ?4 ?5

168

16

a. b. c. 8. 9. a. b. c. 10. 1 6 1 8% RPN ?É 5.5?2 8.282004?3 6.012008?4 100?5 7.75?0 t ~ 8?0 t ~ = 5.50 8.28 6.01 100.00 7.75 92.77 1.33 8.00 92.01 1.33 93.34 2004 8 28 5.5% t 3 ? ? t ~ 3

?0

2008 7.75% 100

16

169

2 % RPN 93.34 0?0 3\8z 93=?1t 92?1t 7.55 8.00

%

HP 12C/12C Platinum 30 / RPN f] fs f CLEAR Î f CLEAR G gÂ :0 w :2 P :1 ¼ :3 000, 000, 001, 42 002, 43 003, 45 004, 006, 008, 009, 45 34 8 0 11 14 12 3 :5 gÒ ?7 :6 :4 gÒ :7 z w 0 P M RPN 018, 45 019, 43 020, 44 021, 45 022, 45 023, 43 024, 45 025, 026, 027, 028, 029, 5 26 7 6 4 26 7 10 11 0 14 15 / 360

005, 45 2 007, 45 1

170

16

RPN M $ :5 É 6 Þ ?6 010, 011, 012, 45 013, 014, 015, 016, 017, 44 15 13 5 26 6 16 30 6 Þ

RPN 030, 032, 45 033, 034, 035, 036, 16 2 16 20 31 30 031, 45 11

:w :2 Þ μ t fs

n FV R3 Redemption R7 /

i R0

yield

PV R1 R5 yield Next

PMT R2 R6

Cpn. 0 Coupon Last

R4 Settlement R8~R.5 / d ?É ? ? ? ?

gÒ 1. 2. 3. 4. 5. 6. 7. 8. 9. t t

C ?

?5

16

171

10. 2004 8 15 6.5% 2004 RPN ?É 20?0 7?1 6.5?2 100?3 8.152004?4 12.012004?5 t t 20.00 7.00 6.50 100.00 8.15 12.01 -4.58 -94.75 20 12 1

A RPN

173

A
RPN
RPN Platinum 4 HP 12C/12C

X Y Z T X X Y X 1 Y Z T X

5

2

1 5 Y 2 X

\

174

A RPN

RPN

\ = \ 10 3

lost

lost

Keys

X \ \

A RPN

175

1. 2.

X

Y

X

X — . ( Þ É —f g ? :

T X Y X LASTx F \ O _ ^ A X

X : C

~ ~ X Y Ò Ï v R Q X Y ! E V ~ Ý # Y Ö

176

A RPN

d d

X d

T Y Z T

Keys

yr°>’eBÏ T X Y LASTx X X Y Z T X

Key

+-§zqbà

Z

X

Y

A RPN

177

Y Y 4 X 8 2 \

X X 8 Y 2

q X Z Z T LASTx Y

X T

X X LASTx

178

A RPN

Y

Z T

Key

X

Y

Z

T

D T Z Y X t t z DATE

Ò t z

Ï x -PV INT360

w¼$ P MlL t z y n,i,PV,PMT FV,NPV,IRR

! y x PMT PRIN P MT I N T

E T Z Y X LASTx F X y x INT PRICE y x

S z

VÝ# y x RDV

YTM

DEP

LASTx

A RPN

179

+ q T R D

> Ñ e Ò gF LASTx

§ ° _ b ’

z r ^ à

y B Q Z

\, O_^A C X LASTx

RPN

X Y 174 4 1

180

A RPN

3[4+5(6+7)] 21 (6+7) 5 (6+7) ALG 6\7= 5§ 4= 3§ 13.00 65.00 69.00 207.00 (6+7) 5(6+7) [4+5(6+7)] 3[4+5(6+7)] 23 4

T T X T $84 3 RPN 2\\\ 84000 § § § 2.00 84,000. 168,000.00 336,000.00 672,000.00 X 1 2 3 2 Y Z T 000 \ Y X Y Z

A RPN

181

X

$4.38/ 250 4.38\\\ 15 § O75 § O250 § 4.38 15. 65.70 75. 328.50 250. 1,095.00 X 1 X 2 X 3 4.38 Y

15

75

Z T

182

B ALG

B
ALG
12C Platinum ALG ALG 21.1+23.8 ALG 21.1= 23.8 } 21.10 23.8 44.90 } ALG
1

f[

ALG

ALG 77.3590.89} 65gr§12} z3.5} 77.35 -13.54 96.75 27.64 }
65 12

96.75÷3.5

} Þ Þ

1. 12C

B ALG

183

Þ ALG 75Þ §7.1} ALG } } 750×12 /360 750§12}z360} 750§12z360} 750§12z360} z 750§12 456-75 /18.5× 68/1.9 } -75 -532.50 -75 75 7.1

456-75÷18.5×68÷1.9 ALG 456-75z 18.5§ 68z 1.9} 381.00 20.59 1,400.43 737.07

b 25b 200 200 25% 25%

100 0.25 200§25b } 50.00 200-25b}

184

B ALG

150.00 $1,250 ALG 1250=7b } 87.50 1,337.50 7%

ALG 1. 2. 3. 4. à }

35.5 ALG 35.5} 31.25 à à 35.50 31.25 -11.97

31.25

ALG 1. 2.

B ALG

185

3.

Z 3.92 2.36 RPN 1.67

3.92= 2.36= 1.67} 2.36 Z

3.92 6.28 7.95 2.36 29.69 q

1. 2. 3. q } ALG 21.4 2
-1.4 3

2q1.4} 2q1.4Þ} 2Þq3} 2q3y}

2.64 0.38 -8.00 1.26

-2 21/3

3

2

186

C IRR

C
IRR
IRR IRR IRR 1 IRR IRR IRR

2

3

Error3

Error3

IRR

4

Error7

Error7

IRR Error7

IRR

C

IRR

187

IRR IRR Error3 IRR :gt IRR

1. 2.

IRR :gt NPV IRR NPV NPV :gt 2 0 NPV NPV IRR IRR IRR :gt IRR NPV IRR :gt 0 NPV IRR 0 IRR

188

D

D

Error0~Error9 0 z y r ° q à Z ?z e 1 0~4 X=0 X=0 X

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