HP 12C Financial Calculator by Hewlett Packard
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Digital camera reviews of HP 12C Financial Calculator
Digital camera Review: A solid performer, and long time friend
Summary: 5 Stars
I bought my first HP12C in about 1984 or so, and it served me faithfully until 2002 when I lost it while travelling. I searched for another one to replace it, but found one difficult to come by in my area. So, I decided to buy up and purchased an HP 49G. What a mistake! I know that many people view the HP 49G (now 49G+) as the flagship of the HP line, but for me that was a disaster.
The 49G may be powerful, but using it is extremely counterintuitive...and the manual was sketchy at best. The 12C, on the other hand, does what I need in a way that makes good sense to me.
If you are looking for a solid, reliable calculator, the HP12C may be for you. It's programmable. It does basic statistics well, and many business applications too. The manual makes sense; you will be up and running in short order.
I'm ready to set my 49G aside and move back to my old friend. I didn't even have to replace the batteries in well over a decade of use!
HP 12C, I'm coming home!
Digital camera Review: A workhorse calculator at a great price. Anyone can use it.
Summary: 5 Stars
Calculators may seem a bit "dated" in this age of Palm Pilots and PC's, but when you have to do a lot of calculations and you don't have a spreadsheet on a laptop handy, a good calculator is invaluable.
If you calculate mortgages, compound interest, amortization or any of the common functions in finance on a regular basis, you can't go wrong with this classic calculator, long a standard of the industry. The 120 built-in functions are easy to use and well explained by the manual. Don't see a function you need? You can enter your own mathematical function, too.
If you DON'T do financial calculations regularly, but are in school for anything but science, this is also a great choice. You can even learn a lot about financial calculations just from the manual. (For science students and scientists, HP makes a scientific version calculator with statistical functions instead of financial ones.)
If you are a regular person looking for a calculator, I REALLY recommend this one--we all borrow money (car loans, house mortgages) now and then. And RPN, Reverse Polish Notation is SO logical and easy to use once you practice. (Simply put, to add two plus two = four, you enter 2 [enter], 2+ and the answer is there. VERY fast for long calculations, like balancing a checkbook.)
I find that the horizontal design (wider than long) is extremely comfortable to hold. And the 12C is very rugged. I used to know a guy from HP who was a rep for the calculator division. He'd demo them by slamming the HP12C against the wall, and then daring the rep from the Big Lone Star State Instruments firm to do the same with theirs. No contest.
Digital camera Review: A workhorse of a calculator
Summary: 5 Stars
I've had an HP 12C ever since they were first available, roughly twenty years ago. I'm just in the process of buying another one, as my original one is finally and completely dead.
If you're in any business and have anything to do with money (outside of being a cashier), this calculator is essential. It includes almost every financial function that you need, and quite a few that you probably don't. Any problem involving the time value of money or finance is a snap with this mini-machine.
The only potential problem that I can see for a new user is the RPN format (By the way, RPN stands for Reverse Polish Notation. It was invented by a Polish mathematician, Jan Lukasiewicz for symbolic logic.) RPN is different from the traditional method on entering equations into a calculator, but is easy to learn and use...in fact, once you get used to it, the traditional way seems very clumsy. For die-hards, the HP 12C Platinum Edition includes both traditional and RPN entry methods and is the one that should be purchased.
Digital camera Review: Almost 30 years and still going
Summary: 5 Stars
HP12C. Great machine. I inherited the calculator from my Dad when he passed away 24 years ago. He used it daily as I have for over 20 years in the financial industry. I have used this calculator every day for over 20 years without any problems. I have had to replace the batteries only once that I remember. If it ever dies (likely not), I will immediately replace it with another HP12c.Digital camera Review: An Excellent Device, Fits Nicely With HP-17BII or 19BII
Summary: 5 Stars
For the money, this device is nothing short of a windfall for the purchaser/user. Indeed, though the HP-12C is "outclassed" in the "speed" and capability department(s) by the HP-17BII (an incredible device!) and the HP-19BII, still, nobody, nobody can exhaust the capabilities of this tried and true device. As I like to say to my students--and probably should have said in my HP-12C real estate book ("Professional Real Estate Problem Solving Using the HP 12C")--, if one were to use even one tenth of one percent (0.10%) of the financial computing capacity (this includes, for sure, the device's programming capabilities!) of this device on a daily basis, well, our income(s) would go "off the charts". And, if this is "good", well, the HP-17BII is probably 10 times the device, all for a few dollars more! Clearly, HP has provided all of us with absolutely incredible financial calculators at bargain basement prices. The devices are gifts to the computing public.John A. Tirone