Victor V12 Bedienerhandbuch

Owners Guide V12 Financial Calculator

VICTOR TECHNOLOGY 10 To delete stored values, enter zero, touch STO , and select the register to be deleted, R0 through R9, and R .. 0 through R .

VICTOR TECHNOLOGY 11 Chapter 2: The First Steps to Financial Functions Using the Financial Storage Registers Five specialty registers are used for

VICTOR TECHNOLOGY 12 Example Calculate the simple interest on a 100,000 amount with 12% annual interest for 180 days using the 360 day cycle and the

VICTOR TECHNOLOGY 13 b INT 9.68 Displays the simple interest on a 360 day basis .+ x ↔ y = 909.68 Displays the simple interest plus princip

VICTOR TECHNOLOGY 14 Basic Financial Calculations Before describing Basic Financial Calculations, it is important to review and understand five basi

VICTOR TECHNOLOGY 15 To select payment type: Touch r END if the payment will be made at the end of the period. Touch r BEG if the paymen

VICTOR TECHNOLOGY 16 .i. ------------ The V12 is calculating the value. 0.50 Displays the monthly interest rate. Example 8 % annual interest, which

VICTOR TECHNOLOGY 17 Note: If the amount owed at the end of the loan period will be zero, this step can be skipped. ¾ Touch the PV key to calculat

VICTOR TECHNOLOGY 18 6 r i. 0.50 Displays the interest rate of 6% per year or 0.5% per month. 400000 PV 400.000.00 Displays the loan amount or

VICTOR TECHNOLOGY 19 Determining Number of Periods: Solving for n. To determine the number of compounding periods and the number of payments:

VICTOR TECHNOLOGY 2 Preface Congratulations on your purchase of the V12 financial calculator from Victor Technology. Victor has been serving custo

VICTOR TECHNOLOGY 20 Example ENTRIES (RPN) DISPLAY b FIN 0.00 Clears the financial registers. 360 n. 360.00 Displays 360 months for a 30 year l

VICTOR TECHNOLOGY 21 • Enter the number of payments that will be amortized using n. • Push b AMORT (will display amount from payments that w

VICTOR TECHNOLOGY 22 RCL PV 372,217.58 Displays the remaining principle after 60 months of payments RCL n 60.00 Displays the number of payments

VICTOR TECHNOLOGY 23 stored in R1. If used again in the same cash flow problem, the contents of the x-register are stored in first R2, then R3, R4,

VICTOR TECHNOLOGY 24 when some of the cash flows are repetitive and consecutive. In these situations, the Nj key is invoked by entering the numbe

VICTOR TECHNOLOGY 25 b NPV 60,301.37 Displays the net present value of $60,301.37. Since the number is positive, this is an investment that

VICTOR TECHNOLOGY 26 Example Starting from the previous example, the landlord now believes the tenant will rent for 6 years instead of 4 at $110,000

VICTOR TECHNOLOGY 27 ¾ Touch b SOYD for sum of years number option No matter which depreciation method is used the remaining depreciated value

VICTOR TECHNOLOGY 28 Determining Bond Values To calculate bond price and the interest accrued since its last interest date, as well as its yield to

VICTOR TECHNOLOGY 29 9.172009 ENTER 9.17 Enters purchase date 11.022017 b PRICE 89.14 Enters maturity date and calculates bond price (as a %

VICTOR TECHNOLOGY 3 Table of Contents Chapter 1: Where to Start ... 6 Powering On and Off ...

VICTOR TECHNOLOGY 30 To Calculate Price and Yield for Bonds with Annual Coupons, please reference V12 programming guide at www.VictorV12.com. Per

VICTOR TECHNOLOGY 31 Example In ALG method, calculate 35% of $1,200: ENTRIES (ALG) DISPLAY CLX 00.00 Clears the display and x register 1200 1200 D

VICTOR TECHNOLOGY 32 ¾ Enter the second number ¾ Touch %T Example Calculate the Percent of Total for 200 and 50: ENTRIES DISPLAY 200 ENTER/= 200

VICTOR TECHNOLOGY 33 Example Invoke the Day-Month-Year mode and enter the date January 5, 2001. ENTRIES DISPLAY 05.012001 r D.MY 5.01 Stores the

VICTOR TECHNOLOGY 34 actual amount of days between dates or by the 30-day month date function. You can calculate the amount of days each way. ENT

VICTOR TECHNOLOGY 35 Chapter 4: Other Operational Features Another function of the V12 calculator is continuous memory of storage registers (fina

VICTOR TECHNOLOGY 36 b. 2 5.77 Displays the figure with two digits to the right of the decimal point The decimal place setting is

VICTOR TECHNOLOGY 37 Full Figure Display To view all ten digits of a figure without decimal points touch b. PREFIX and hold down prefix as l

VICTOR TECHNOLOGY 38 If an entered value is less than 10-99, the value of 0 is used in proceeding equations. Running Display Some programs and func

VICTOR TECHNOLOGY 39 x ↔ y x ↔ y is the exchange key (RPN method only). It switches the values in the x-register to the y-register and the value

VICTOR TECHNOLOGY 4 Determining Payment Amount: Solving for PMT 17 Determining Future Value: Solving for FV ... 18 Determining Number of Pe

VICTOR TECHNOLOGY 40 Sum of the square of the x values: ∑x2 R3 Sum of the y values: ∑y R4 Sum of the square of the y values: ∑y2 R5 Sum of the mu

VICTOR TECHNOLOGY 41 ¾ Touch r ∑ - ¾ Enter new (correct) x and/or y values ¾ Touch r ∑+ Standard Deviation Entries The button sequence

VICTOR TECHNOLOGY 42 ENTRIES DISPLAY 48 ENTER 48.00 Displays the first y value. 85 ∑+ 1.00 Displays which entry has just been entered … the firs

VICTOR TECHNOLOGY 43 ¾ Enter the new y value ¾ Touch r x, r The correlation coefficient, r, can be calculated by touching the x↔y key after ca

VICTOR TECHNOLOGY 44 • Third month: 50 bricks at $0.52 a brick • Fourth month: 100 bricks at $0.61 a brick • Fifth month: 250 bricks at $0.49

VICTOR TECHNOLOGY 45 Touching r FRAC displays the fractional part of the value (all digits to the left of the decimal point are replaced by a 0.

VICTOR TECHNOLOGY 46 To round a number in the display screen to a specified number of decimal places, set the display format to show the exact numbe

VICTOR TECHNOLOGY 47 ENTRIES DISPLAY 3 r ex 20.09 Displays the exponential value of 3. Logarithm Values When r LN is touched, the natural

VICTOR TECHNOLOGY 48 Example ENTRIES DISPLAY 9 x2 81.00 Displays the square of 9. Reciprocal Values When 1/x is touched, the number on the dis

VICTOR TECHNOLOGY 49 Power Features in ALG method yx , the power of a value, may be calculated in ALG method as follows: ¾ Enter the y value ¾ To

VICTOR TECHNOLOGY 5 Power Features in RPN method ... 49 Chapter 5: The Basics of Programming ... 50 Creating Your Ow

VICTOR TECHNOLOGY 50 Chapter 5: The Basics of Programming Programs are a sequence of button entries that are stored into the calculator. Calculati

VICTOR TECHNOLOGY 51 -. 105.00 Displays the 30% off price plus $10. 10 10 Displays the shipping and handling fee +. 115.00 Displays the 3

VICTOR TECHNOLOGY 52 b PRGM 000 Clears the program memory To create a program, use the same buttons you used to solve for net cost manually.

VICTOR TECHNOLOGY 53 1 006, 5 0 007, 0 =. 007, 36 Executing Your Own Program Touch b P/R to put calculator back in run fu

VICTOR TECHNOLOGY 54 Program Memory Basics Program Memory stores a sequence of entries in calculator memory for re-use at a later time. A program l

VICTOR TECHNOLOGY 55 The illustration shows the button for the instruction in program line 001 is in the third row of the keyboard and is the th

VICTOR TECHNOLOGY 56 b IRR xxx, 42 15 Displays the program line number, the position of the first key touched (42) and the position of the sec

VICTOR TECHNOLOGY 57 To ensure your program runs correctly, use the SST button while in RUN mode to move to the next line in the program and display

VICTOR TECHNOLOGY 58 SST (Hold) 001, 36 Displays the first program line 200.00 Executes the first program line SST (Hold) 002,

VICTOR TECHNOLOGY 59 Setting the Calculator to a Specific Program Line Storing a second program or adjusting an existing program sometimes requires

VICTOR TECHNOLOGY 6 Chapter 1: Where to Start Powering On and Off Turn the unit on by touching the ON button. To turn the unit off, touch the ON b

VICTOR TECHNOLOGY 60 .- 002, 48 Decimal point 9 003, 9 .9 = 90% or 10% off X- 004, 20 Multiply by 90% r PSE 005, 43 31

VICTOR TECHNOLOGY 61 Stopping a Program During Execution Touching R/S during program execution automatically stops execution. To resume running t

VICTOR TECHNOLOGY 62 8 008, 8 .8 = 80% or 20% off X- 009, 20 Multiply by 80% To run the program, exit the program mode, press b

VICTOR TECHNOLOGY 63 Chapter 6: Branch & Loop Programs Program instructions typically execute sequentially through program line numbers, but

VICTOR TECHNOLOGY 64 ¾ Continue program execution sequentially to the next line of program memory (if the tested condition was true when executed.)

VICTOR TECHNOLOGY 65 STO 0 008, 44 0 Store the value in register 0 r PSE 009, 43 31 Pause r PSE 010, 43 31 Pause r PSE 011, 43 31

VICTOR TECHNOLOGY 66 300 300.00 Displays the initial debt of $300 R/S 203.00 Executes the program and displays the amount owed after 1 month of i

VICTOR TECHNOLOGY 67 Chapter 7: Editing Your Programs To change a single instruction in program memory, the following steps are followed: ¾ Touch

VICTOR TECHNOLOGY 68 +- 008, 40 Program is now stored b P/R 0.00 Sets calculator to run mode b P/R 0.00 Sets calculator to program mod

VICTOR TECHNOLOGY 69 line is reserved for the GTO 000 instruction. Therefore if the program ends on the 008 line, start the branch at line 010. ¾

VICTOR TECHNOLOGY 7 Entering Large Amounts The V12 displays numbers up to 10 digits. Scientific notation allows numbers longer than 10 digits to

VICTOR TECHNOLOGY 70 Program is now stored b P/R 0.00 Sets calculator to run mode b P/R 0.00 Sets calculator to program mode .r GTO .

VICTOR TECHNOLOGY 71 ¾ Touch b P/R to enter PROGRAM mode. ¾ Touch r GTO . and the three-digit line number of the last line in the program

VICTOR TECHNOLOGY 72 Chapter 8: Error Messages Certain operational procedures prohibit the V12 from completing calculations causing an error messag

VICTOR TECHNOLOGY 73 Victor Technology V12 Calculator Limited Warranty Thank you for purchasing a product from Victor Technology. This product has

VICTOR TECHNOLOGY 8 Using the Clear Function Clearing replaces the displayed value with zero and replaces the previous instruction with the r GT

VICTOR TECHNOLOGY 9 RPN method To select the RPN method, touch b RPN , and the RPN icon appears. With RPN method enabled, you can perform bas