HP 12C Financial Programmable Calculator User Manual download pdf (Page 154)

153

Compounding Periods Different From Payment Periods

• C = number of compounding periods per year.

• P = number of payments periods per year.

• i = periodic interest rate, expressed as a percentage.

• r = i / 100, periodic interest rate expressed as a decimal.

• i

PMT

= ((1 + r / C)

C/P

- 1)100

Investment Analysis

Lease vs. Purchase

• PMT

= loan payment for purchase.

• PMT

= lease payment.

• I

= interest portion of PMT

for period n.

• D

= depreciation for period n.

• M

= maintenance for period n.

• T = marginal tax rate.

•

• Cost of owning(n) = PMT

- T(I

+ D

) + (1 - T)M

Break-Even Analysis and Operating Leverage

• GP = Gross Profit.

• P = Price per unit.

• V = Variable costs per unit.

• F = Fixed costs.

• U = number of Units.

• OL = Operating Leverage.

• GP = U(P - V) - F

•

tjfdisafsdakflsafsa f xk,()

Fcos DSAFF

1i+()

-----------------------------------------------------------------------------------------------------------

n1=

∑

cost of leasing (n) - cost of owning (n)

Net purchasing advantage =

UP V–()

UP V–()F–

---------------------------------=

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HP 12C Financial Programmable Calculator User Manual Page 154

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