The lack of a precise numerical answer from the 12C is very disappointing.3) IntuitivenessHere’s the big difference-maker to me between the 12C and the 10bII+ - although most of the steps for calculation entry for the 12C and the 10bII+ are roughly the same (allowing for their respective differing key layouts), I think that, for certain equations, the calculation steps for the 10bII+ are more intuitive and easier to remember than the 12 C. The 12C uses the difficult to identify (change symbol) key to enter a negative number as an initial investment (outflow), while the 10bii+ has a key for the same function the latter makes much more sense to me.2) Greater Precision for CalculationsWhen solving for time (Example: How long will it take $5,000 to grow to $10,000, assuming a 5% annual interest rate? Answer = 14.2067 years), the 12C rounds the answer up, to 15, while the 10bII+ gives you the exact answer, to four decimal places. This makes cash flow calculations a lot easier. For example, on the 12C, CFj and Nj are located on separate keys on the 10bii+, they are located on the same key. To check, press and press and hold it should display 1 P YR on the screen.1) Key layoutThe key layout for the 10bii+ makes a lot more sense than that on the 12C.
You have now set the period per year at 1. For most calculations, you need to set it to 1 period per year, as any necessary adjustments (for example, monthly compounding), can simply be entered as an additional equation entry on a per-calculation basis (example shown below). The current setting for period(s) per year will flash on the screen. The platinum edition boasts a faster processor and the ability to do some equations that the older 12C model cannot.That said, I much prefer the 10bII+ calculator to the 12C for the following reasons.FIRST, A VERY IMPORTANT NOTE: WHEN YOU RECEIVE YOUR HP 10BII+, YOU MUST SET THE KEY (PERIODS PER YEAR) TO THE PROPER SETTING! OTHERWISE, ALL OF YOUR CALCULATIONS WILL BE INCORRECT AND WILL CAUSE MASSIVE FRUSTRATION! To do this, first, press, then, press and hold. The 12C is basically the most well-known financial calculator, having been around for a long time in the finance field. HP 10bII + Financial Calculator (NW239AA) Top Reviews I own both the HP 12C Platinum edition, and the 10bII+. 1 – HP 10bII+ Financial Calculator (NW239AA)
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