HP (Hewlett-Packard) Calculator HP 12C Financial Calculator User Manual

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Section 3: Basic Financial Functions 47
File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 47 of 275
Printed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm
The
BEGIN
status indicator is lit when the payment mode is set to Begin. If
BEGIN
is not lit, the payment mode is set to End.
The payment mode remains set to what you last specified until you change it; it is
not reset each time the calculator is turned on. However, if Continuous Memory is
reset, the payment mode will be set to End.
Generalized Cash Flow Diagrams
Examples of various kinds of financial calculations, together with the applicable
cash flow diagrams, appear under Compound Interest Calculations later in this
section. If your particular problem does not match any of those shown, you can
solve it nevertheless by first drawing a cash flow diagram, then keying the
quantities identified in the diagram into the corresponding registers. Remember
always to observe the sign convention when keying in PV, PMT, and FV.
The terminology used for describing financial problems varies among the different
segments of the business and financial communities. Nevertheless, most problems
involving compound interest can be solved by drawing a cash flow diagram in
one of the following basic forms. Listed below each form are some of the problems
to which that diagram applies.

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