HP 113394 User Guide - Page 47

Section 3: Basic Financial Functions 47 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. 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