Change Date Entry Format

Dates are entered using one of two formats that were found on the HP-12C. You can enter Jan 21, 2008 as 1.212008 where January (01) is the month (MM) and the decimal part separates the next two digits (day) and the last four (year).

The DD.MMYYYY format is much the same, so 21 Jan 2008 would be 21.012008.

NOTE that you must use leading zeros for months or days when they follow the decimal point. 21.12008 (no leading zero for "january") is not a valid date entry!

Change when the payment is made

Payments can be made at either the beginning or at the end of the compounding period, if made at the beginning they are often called "payments in advance" or "annuities due" and if made at the end of the period "payments in arrears" or "ordinary annuities". To switch from one to the other,

Tap the "begin" or "END" just above and just to the left of the number 9 and the payment mode will toggle between "beginning" and "end".

What you see on the display

From the left side of the display, at the top is the email icon--it's green when you can email a result, red if you can't. You can't while you're in the middle of entering a number or if the calculator is in an error state such as would happen if you tried to divide by zero.

Below that is a little F or S. This tells you whether the Financial or Stack registers are displayed just below the F/S. The Financial registers in turn correspond to the legends on the keycaps of the leftmost 5 top row keys. When you are doing time value of money calculations (GREEN TVM (8)), they read N i PV PMT and FV, so directly above each are the contents of the n register, i register, PV register and so on. When in bonds mode, the key legends change to S (settlement date), YTM (yield to maturity), P (price), CPN (coupon) and M (maturity date). The dates are formatted according to the date entry format, so that would be MM.DDYYYY and DD.MMYYYY.

When you're displaying the stack contents, from left to right the registers are X, Y, Z, T and LastX. You switch between F and S by tapping just below the F/S--the tap zone is very small on purpose so that you don't accidently switch.

In the top center, just to the right of the registers is a spot for that tells you if TVM calculations will assume payment at the beginning (begin) or END or a period... annuities in advance or arrears. Tap to change.

Going right one more box is the date entry mode: MM.DDYYYY means that Jan 5, 2008 is entered as 01.052008, DD.MMYYYY means Jan 5 is 5.012008. Tap to change modes.

Then there's the i button, which will take you to the FAQ page.

At the far right is the "last operation performed", which is as described. When you launch the calculator it will show which version is running. Tapping this leaves fingerprints.

And above that in the upper right corner are little dots to indicate the click volume, there are between 1 and 3 dots and a crossed out o to indicate "off". Tap to cycle the volume, it gets louder and louder then goes off.

GREEN 7 and GREEN 8 put the calculator into bonds and time-value-of-money modes respectively.

GOLD EEX puts the calculator into scientific notation mode where numbers are displayed with mantissa and exponent.

The rest of the keys are just like HP except for:

HP's "on" button in the lower left is my backspace and undo. If you're entering numbers, tapping it will backspace... if you've just completed a calculation, tapping the key will clear the display just like the CLx key. GREEN BACKSPACE is undo, which undoes the last calculation you did... most useful if you accidently clear the registers!

Change the number of decimal places displayed

You can have the calculator display between 0 and 9, or 13 decimal places by tapping:

GOLD <the number of decimal places you want displayed>

use the decimal point key for 13 decimal places.

So GOLD 2 sets the calculator to show two decimal places, GOLD 6 shows 6 decimal places.

Show numbers in scientific notation

Unless numbers get too large (or too small) for the display, they are displayed in conventional notation. To always show numbers in scientific notation (the exponent is above and to the right of the mantissa) tap

GOLD SCI

The SCI key shares space with EEX

To go back to conventional notation, tap GOLD <the number of digits after the decimal point to display

The Display: a guided tour and how to change the way numbers are shown

Modes: changing date entry format and when payments are made (Beginning/End)

You can restore the traditional keyboard layout by going to Settings then scrolling down to Calc12E. Turn on Traditional Layout.

The calculator was designed to replicate the HP-12C, but Calc-12E is not an exact duplicate of the 12C—some things are simply not implemented (odd period calculations and programmability for instance) and a few things are moved. For the most part, operation stays true to the HP way but here are the exceptions:

* Bonds. Bonds are handled through a new "mode", accessed by GREEN 7 (and to return to TVM tap GREEN 8). The top row keys change from TVM legends to bond specific legends, and the registers are used for bond purposes -- this has the benefit of allowing you to see the settlement and maturity dates, HP had you enter them on the stack where they were lost by the computation. Calc-12E treats bond inputs just like it treats inputs to a TVM problem, you key them in then tap the appropriate register key to store. Values in the TVM registers and Bond registers are separated from each other, so switching back and forth doesn't cause you to lose data.

* Odd periods have been removed. I'm not sure if they were ever used. And because the S/C (simple/compound) annunciator only applied to odd period calculations, there are better uses for the space.

* n is returned with fractional periods. HP chose to truncate n for some reason, possibly because of the existence of odd periods. Calc-12E returns the entire n, without truncation. Be aware of this if you're doing examples from the HP manual.

* Scientific mode used to be GOLD decimalPoint. It's now GOLD EEX (SCI).

* you can get 13 decimals in the display with GOLD decimalPoint.

* undo takes you back one operation, restoring things "as they were", but it is a 1 step undo only. And you cannot take back an email. Maybe someday, but don't hold your breath!

* switching payment mode and date format mode is now handled by tapping their annunciator, the GREEN key sequence is gone

Otherwise, it's "by the book". Except it’s faster.

Experienced HP-12C users: what is different

Clear all the registers

To clear the cash flows used for NPV and IRR calculations, the stack and ALL of the user storage registers, tap GOLD REG

Depending on whether you are in BONDS or TVM mode (the top row keys' legends will tell you which mode you are in) GOLD REG also clears the financial or bond data registers!!!

A "reset all" function has not been included

Clear the bond data entry registers

To set all of the bond data registers to zero, make sure you are in BONDS mode (GREEN 7) then tap GOLD FIN

This does NOT clear the entries used for time-value-of-money calculations... to do that you must clear the TVM registers by tapping GOLD FIN while in TVM mode.

Clear the time value of money (TVM) registers

To set all of the time-value-of-money registers to zero, make sure you are in TVM mode (GREEN 8) then tap GOLD FIN

This does NOT clear the entries used for bond calculations... to do that you must clear the bond registers by tapping GOLD FIN while in bond mode

Clearing Things: setting the various storage registers to zero

Storing and recalling

There are 20 storage registers available for general use, numbered from 0 to 19. These are cleared when you press GOLD REG, otherwise they are retained.

To store a number in a register between 0 and 9, tap STO then tap <a number from 0 to 9>

To store a number in a register between 10 and 19, tap STO, then tap DECIMALPOINT then tap <a number from 0 to 9>

Retrieving a number uses the same convention...

To retrieve a number from a register between 0 and 9 tap RCL then tap <a number from 0 to 9>

To retrieve a number from a register between 10 and 19, tap STO, then tap DECIMALPOINT then tap <a number from 0 to 9>

Performing arithmetic on numbers already in a storage register

To perform an arithmetic operation with the number in the display and a number in a storage register AND store the result back in the storage register WITHOUT changing the number in the display (sorry, this is HP's description):

1. press STO

2. press the arithmetic operation you wish to perform (+, -, /, X)

3. press the register number from 0 to 9. Register arithmetic does not work on registers 10-19

What this means is that if my checking account has $50 in it, and I've stored the 50 balance into register zero, I can subtract the $10 check I just wrote and update the balance in register zero by simply entering 10 STO MINUS (the - sign) 0

The display still shows 10, but register zero now holds 40.

For HP's description, please refer to page 24 of their manual:http://h10032.www1.hp.com/ctg/Manual/c00363319.pdf

The Data Storage Registers: storing, recalling and arithmetic

Computing simple interest

The calculator provides interest on both a 360 and 365 day basis, and from the displayed interest you can compute the total principal plus accrued interest by tapping +

To find out that a $450 loan for 60 days at 7% simple interest would earn on a 360 day basis, and the total amount owed:

* key in 60

* tap n

* key in 7

* tap i

* key in -450 (remember the cash flow sign conventions!)

* tap GOLD INT... the accrued interest on a 360 day basis is $5.25

* tap +... the total owed is $455.25

If this loan were made on a 365 day basis:

* key in 60

* tap n

* key in 7

* tap i

* key in -450 (remember the cash flow sign conventions!)

* tap GOLD INT... the accrued interest on a 360 day basis is $5.25

* tap R-DOWN

* tap X<>Y... the accrued interest on a 365 day basis is $5.18

* tap +... the total amount, principal plus 365 day interest is $455.18

For HP's description, please refer to page 33 of their manual:http://h10032.www1.hp.com/ctg/Manual/c00363319.pdf

Percentages

There are three percentage functions...

%: computes corresponding percentage of a number. To find 14% of $300

* key in 300

* tap ENTER

* key in 14

* tap %... $42 is 14% of $300

DELTA%: to find the percent difference between two numbers, let's say WalMart has changed the price of a widget from $58.50 to $53.00, what is the percentage change?

* key in 58.5

* tap ENTER

* key in 53.25

* tap DELTA%... the price has been reduced (negative sign) 8.97%

%T: calculates what percentage one number is of another. For example, your receipts for yesterday totaled $1000, and $452 of those receipts were from sales of food. What percentage of your total sales are from food?

* key in 1000

* tap ENTER

* key in 452

* tap %T... 42.5% of your sales were from food!

*** NOTE: the total (in this example $1000) is kept in the calculator, so you can find additional percentages without having to reenter the $1000... just key in the next amount and tap %T.

For HP's description, please refer to page 26 of their manual:http://h10032.www1.hp.com/ctg/Manual/c00363319.pdf

DATE and DELTA DAYS

The DATE function identifies and display a date that is a given number of days in the future or the past (what is the date 120 days from now). To use the DATE function:

* key in the starting date using either MM.DDYYYY or DD.MMYYYY format (Jan 13, 2008 is 1.132008 in MM.DDYYYY mode, and it is 13.012008 in DD.MMYYYY)

* tap ENTER

* key in the number of days in the future (a positive number) or in the past (negative) you would like to find the date for

* tap GREEN DATE

The DELTA DAYS function computes the number of days between two dates

* key in the first date, remember the date format!

* tap ENTER

* key in the second date

* tap DELTA DAYS

For HP's description, please refer to page 29 of their manual:http://h10032.www1.hp.com/ctg/Manual/c00363319.pdf

Simple but confusing: simple interest (INT), percentages and dates

Calculating Net Present Value and Internal Rate of Return

NPV and IRR require you to enter cash flows... like the 12C Calc-12E supports grouped cash flows so while you are limited to 20 different cash flows, with grouped cash flows you can have up to 99.

To enter cash flow amounts that don't repeat:

* tap GOLD REG to clear the financial and storage registers

* key in the amount of the initial investment (zero if there is no initial investment), tapping CHS if that cash flow is negative

* tap GREEN CFo

* key in the amount of the next cash flow tapping CHS if the cash flow is negative

* tap GREEN CFj

* repeat until all of the cash flows have been entered

* enter the interest rate using i or 12÷

* tap GOLD NPV

If you have cash flows that repeat (grouped cash flows), say for example that one cash flow of $1000 happens three times in a row:

* tap GOLD REG to clear the financial and storage registers

* key in the amount of the initial investment (zero if there is no initial investment), tapping CHS if that cash flow is negative

* tap GREEN CFo

* if the initial investment consists of more than one consecutive cash flow of the same amount entered above, key in the number of those cash flows then tap GREEN Nj. This is the equivalent of entering <amt> CFo <amt> CFj <repeat-1> Nj. If GREEN Nj is not tapped, it is assumed that the cash flow occurs only one time.

* key in the amount of the next cash flow tapping CHS if the cash flow is negative

* tap GREEN CFj

* if this cash flow consists of more than one consecutive cash flow, key in the number of consecutive cash flows and tap GREEN Nj

* repeat until all of the cash flows have been entered

* enter the interest rate using i or 12÷

* tap GOLD NPV

For HP's description, please refer to page 58 of their manual:http://h10032.www1.hp.com/ctg/Manual/c00363319.pdf

Reviewing cash flow entries with the visual cash flow editor

When you want to review the cash flows, tap GREEN 9 and they will be rendered as a cash flow diagram. If there are more cash flows than will fit the screen, swipe in the normal fashion and they will scroll.

To exit the cash flow viewer, tap any calculator key OR scroll to the end of the cash flows and tap the one marked "END".

NOTE: the viewer uses the contents of the n register to indicate the number of cash flow groups to display, so it needs to be correct “in the HP way”, which means that if you have 5 different cash flow amounts, the n register must be equal to 4. 9 different amounts, n=8. If you haven't changed the n register between your last cash flow entry and wanting to view the diagram, all is fine.

Reviewing cash flow entries the HP way

To review a single cash flow entry there are three options...

OPTION 1: prepare an email report, they include cash flow details

* tap NPV or IRR, it doesn't matter--we just need to tell the email report generator that we want to see the cash flows

* tap the email icon, you will be taken to Mail.app

* review the email, it lists the cash flows and the number of times they repeat

* send or cancel the email.

OPTION 2: review a single cash flow the easy way

* tap RCL then the number of the cash flow you wish to review; RCL 5 will display the 5th cash flow entry (CF5)

OPTION 3: review a single cash flow a harder way

* tap the cash flow number you wish to review (say, "5")

* store it in the n register by tapping n

* recall the cash flow by tapping RCL GREEN CFj

To review the number of times a cash flow repeats, or to see all of the cash flows, Option 1 above is the easiest. Alternately you can see them in reverse order by:

* tap RCL GREEN Nj... shows how many times the last cash flow repeated

* tap RCL GREEN CFj... shows the amount of the last cash flow

* tap RCL GREEN Nj... shows how many times the next-to-last cash flow repeated

* tap RCL GREEN CFj... shows the amount of the next-to-last cash flow

and so on

For HP's description, please refer to page 64 of their manual:http://h10032.www1.hp.com/ctg/Manual/c00363319.pdf

Changing cash flow entries with the visual cash flow editor

Tap GREEN 9 to view cash flows as a cash flow diagram. Locate the cash flow you would like to change swiping if needed, then tap the target cash flow. Make any changes (with the exception of Bonds the entire calculator is available) and when you are ready, tap the new number and the cash flow amount will be updated. You will be returned to the viewer.

At any time you can select a different cash flow to edit by swiping and tapping in the left hand portion of the editor display. The "first" cash flow will be left UNCHANGED, and you will be editing the most recently selected one.

Changing cash flow entries the HP way

To change a cash flow entry:

* key in the new amount for the cash flow

* tap STO

* key in the number of the cash flow (the j part of CFj, so to change the 5th cash flow you key in "5")

* tap STO

To change the number of times in a row a cash flow occurs:

* key in the number of the cash flow that you want to change (the j part of Nj, so to change the 5th cash flow you key in "5")

* tap n

* key in the number of consecutive times the cash flow occurs

1. *tap GREEN Nj
   

2. *Changing cash flow entries the old fashioned way
   

To change a cash flow entry:

* key in the new amount for the cash flow

* tap STO

* key in the number of the cash flow (the j part of CFj, so to change the 5th cash flow you key in "5")

* tap STO

To change the number of times in a row a cash flow occurs:

* key in the number of the cash flow that you want to change (the j part of Nj, so to change the 5th cash flow you key in "5")

* tap n

* key in the number of consecutive times the cash flow occurs

* tap GREEN Nj

For HP's description, please refer to page 65 of their manual:http://h10032.www1.hp.com/ctg/Manual/c00363319.pdf

Inserting and deleting cash flow entries with the visual cash flow editor

Bring up the cash flow viewer by tapping GREEN 9, then locate the cash flow that will come BEFORE the newly inserted cash flow and tap on it. So if you want to insert a new cash flow between flow #6 and #7, tap on flow #6. This will bring up the editor.

Tap GREEN PLUS to insert the new cash flow. It's default amount is the same as the one before it, so you can insert many copies by repeatedly tapping GREEN PLUS. If the amount needs to be changed, make the necessary changes and when you are done tap the new number to "commit" the change.

The selected (pale yellow) cash flow will be deleted when you tap GREEN MINUS.

Inserting and deleting cash flow entries the HP way

Only possible with the last cash flow... append a new one with CFj, “delete” the entire last cash flow group by reducing the contents of the n register by 1

NPV and IRR: use, reviewing and changing cash flow entries

To perform amortization:

* make sure you're in TVM mode (GREEN 8)

* clear the financial registers (GOLD FIN) <-- this is important!!!

* periodic interest rate into i

* present value into pv

* payment amount (negative!) into pmt

* key in the period you would like to have amortized ("1" for the first month, "12" for the first year etc.)

* tap GOLD AMORT

The portion of the first payment applied to interest is displayed, the principal is in the y register and is viewed by pressing X<>Y.

If you wish to prepare and email an amortization schedule, before you do anything else

* tap the email icon, address the email and send.

Getting amortization results for additional periods is exactly as the 12C did it--the n register will have been adjusted so that you can perform cumulative calculations, so to start over you must put a zero into the n register! For HP's description, please refer to page 54 of their manual:http://h10032.www1.hp.com/ctg/Manual/c00363319.pdf

Amortization

The results of your last calculation can be emailed by tapping the email icon in the upper left of the display. You will be taken to Mail.app where you provide the address(es) of the email, and can edit the email if you desire. To return to the calculator, press the square HOME button and restart the calculator program--it will return you exactly as you left it. Here's a link to a YouTube tutorial on sending an amortization table:http://www.youtube.com/watch?v=sFSZvVri1_8

Be aware that the email is sent from the first address you used when you set up your Mail.app, I don't know of any way to change this, it’s an Apple thing.

Errors and numeric entries in progress cannot be emailed, this is indicated by the email icon being dimmed with a red bubble (it's green when email is ok)

To send an amortization schedule, you must first complete an amortization calculation by entering:

* interest rate into i

* present value into pv

* payment amount (negative!) into pmt

* key in the number of periods between line items on the amortization schedule ("12" will produce an annual schedule, "1" a monthly, "3" a quarterly etc.)

* tap GOLD AMORT

* tap the email icon, address the email and send.

Emailing Results

The subject of statistics is fairly long, so I'm going to start by sending you to Section 6 (page 76) of the hp manual: http://h10032.www1.hp.com/ctg/Manual/c00363319.pdf

I know, it's a little chicken...

Statistics

version x.1 adds three interest rate conversions... the "i" function returns the periodic interest rate, but this may need to be converted to APR or Effective Rate depending on your needs. The methods used are those explained in the "programming" section of the HP-12C manual.

***please be aware that this APR solution assumes that you are dealing with 12 compounding periods per year and consequently when displaying the APR the final step is to multiply the interest rate by 12. If your situation calls for something other than 12 compounding periods per year, divide the displayed result by 12 then multiply by the number of compounding periods for your situation***

To convert from periodic rate to APR when fees such as points or closing costs have to be paid:

1) make sure the periodic interest rate is in the i-register (computing the rate puts it in the i-register, or you can key it in and tap i)

2) tap either APR or GOLD w/PTS... "APR" assumes that fees are being paid, "GOLD w/PTS" assumes that points have been paid, points being expressed as a percentage of the loan value

3) you will be prompted to key in either the fees paid or the points -- do so

4. 4)tap the APR key again, it's highlighted. The resulting APR will be displayed
   

5. 5)IF THE NUMBER OF COMPOUNDING PERIODS IS NOT 12 PER YEAR, CORRECT THE DISPLAYED RESULT BY DIVIDING IT BY 12 (12 ÷) THEN MULTIPLYING BY THE ACTUAL NUMBER OF COMPOUNDING PERIODS.
   

To convert a nominal rate to an effective rate, simply tap GREEN APR and you will be prompted for the nominal rate and the number of compounding periods per year. Key these in, tapping the highlighted APR key to continue... the effective rate will be computed and displayed. NOTE: this procedure does change the financial registers!!!

Converting Interest Rates: to APR and to Effective Rate

Three leasing functions, taken from the HP-12C programming examples, have been added to vx.1. These functions allow you to compute the payment with advance payments (PMTa), payment with advance payments and a salvage/residual value (PMTar) and to find the yield of a lease when there are advance payments.

Unlike most of the financial functions, these routines take their inputs not from the financial registers, but from the data storage registers so you will need to store your input values accordingly. You will be reminded what goes where, and you can do the storing before you tap the function key or when it reminds you which input value was supposed to be where. You can use all functions of the calculator to store these values...

Payments in Advance:

To find the monthly payment on a 10%, 12 month lease where 3 payments are made in advance and the equipment's initial worth is $750 with no salvage value:

1) key in the lease duration and store it in register 0 (12 STO 0)

2) key in the number of payments made in advance and store it into register 1 (3 STO 1)

3) compute the monthly interest rate and store it in register 2 (10 ENTER 12 ÷ STO 2)

4) key in initial value of the equipment and store it in register 3 (750 STO 3)

5) tap PMTa -- you will be reminded of where the input values should be, when you are ready tap PMTa again to compute the monthly payment. The monthly payment due for this example is $64.45

Payments in advance with salvage value:

What is the monthly payment needed to yield the lessor 15% annually if the equipment is initially worth $22000, has a residual/salvage value of 30% of the purchase price and is leased for 48 months with 4 payments in advance?

1) key in the lease duration and store it in register 0 (48 STO 0)

2) compute the monthly interest rate and store it in register 1 (15 ENTER 12 ÷ STO 1)

3) key in initial value of the equipment and store it in register 2 (22000 STO 2)

4) calculate the residual/salvage value and store it into register 3 (22000 ENTER 30 % STO 3)

5) key in the number of advance payments and store it in register 4 (4 STO 4)

6) tap PGOLD MTar -- you will be reminded of where the input values should be, when you are ready tap PMTa (no gold key!!!) to compute the monthly payment. The monthly payment due for this example is $487.29

Solving for Yield when payments are made in advance:

A 60 month lease has been written for a piece of equipment whose purchase price would be $25000. The monthly payments are $600, with three payments due at closing -- what is the yield of the lease to the lessor?:

1) key in the lease duration and store it in register 0 (60 STO 0)

2) key in the number of payments made in advance and store it into register 1 (3 STO 1)

3) key in the monthly payment and store it in register 2 (600 STO 2)

4) key in initial value of the equipment and store it in register 3 (25000 STO 3)

5) tap GREEN YLDa -- you will be reminded of where the input values should be, when you are ready tap PMTa again to compute the yield. In this example, the lessor will earn 17.32%.

Leasing Functions: (PMTa, PMTar, and YLDa--essentially payments in advance

All the Frequently Asked Questions

    For Calc-12E. Copied from the forum... it’s easier to print in this format!

MIRR is used when traditional IRR is inappropriate and is one of several alternatives that avoid the drawbacks of traditional IRR.

To use the MIRR function, enter the cash flows in the normal fashion. Then:

* put the safe rate into the i register by keying in the rate as a percentage (1.2% is keyed as 1.2) then tapping i

* key the reinvestment rate into the display as a percentage

* tap GOLD MIRR to compute the modified internal rate of return

If you want to run the calculation again you will need to verify that the safe rate is still in the i register and you will have to key in the reinvestment rate again.

MIRR (Modified Internal Rate of Return)

Where can I get the instruction manual?

Calc-12E and Calculator12 emulate the original physical HP 12C and with the exception of programmability, work exactly the same. This makes the original HP instruction manual the best source for use instructions. It’s on the web here: http://h10032.www1.hp.com/ctg/Manual/c00363319.pdf

Some of these instructions are repeated below, and you’ll also find instructions for using the unique features of the iOS emulation.

Tapping the i button on the calculator will take you to these instructions as well so you can refer to them any time you have access to the web.

Several years ago (yes, it took that long) I was approached with a question: can I change the email template for the Leasing functions so that I don't have to edit the email before sending? And the answer was: it's not that simple...

And it still isn't simple, but at least now it is possible. And the capability is limited to calculations that do not require multiple iterative computations: so amort schedule and the investment emails are out. Leave them as is because all of their information is recomputed as the email is generated.

What you have to do is to create a template in plain text. The template has to be saved as plain text so Apple's TextEdit is out because it only saves as rich text. I recommend (for Macs) the free TextWrangler, and probably for PCs Word will do IF you save as plain text!

There are two things about the email your template can change: the subject, and the text (body) of the email. You can change either or both, but if you leave either out of the template, that part the email will be blank! No subject in the template and you get a blank subject. No text, and there's no text!

To set a custom subject, you get one line that MUST be contained between <SMDSUBJECT> and </SMDSUBJECT>. An example: <SMDSUBJECT>This is my custom subject</SMDSUBJECT>

And to set custom text, you MUST enclose your custom text between <SMDTEXT> and </SMDTEXT> (the body can be many lines, pretty much as long as you'd like until your phone runs out of memory). <SMDTEXT>Here we have the custom text for our email</SMDTEXT>

This isn't at all forgiving, so if you end up with blank emails, make sure you have both parts of the <SMDSUBJECT> and </SMDSUBJECT> as well as <SMDTEXT> and </SMDTEXT>.

Within either the subject or the text, you use token words contained in the angle brackets to indicate that the email should substitute the token word with a numerical value. The token words you can use are:

The calculator's stack: <SMDSTACK-X>, <SMDSTACK-Y>, <SMDSTACK-Z>, <SMDSTACK-T>, <SMDSTACK-LASTX>

The financial registers: <SMDREGISTER-N>, <SMDREGISTER-I>, <SMDREGISTER-PV>, <SMDREGISTER-PMT>, <SMDREGISTER-FV>

The first 11 storage registers: <SMDSTORAGE-0>, <SMDSTORAGE-1>, <SMDSTORAGE-2>, <SMDSTORAGE-3>, <SMDSTORAGE-4>, <SMDSTORAGE-5>, <SMDSTORAGE-6>, <SMDSTORAGE-7>, <SMDSTORAGE-8>, <SMDSTORAGE-9>, <SMDSTORAGE-10>

Lastly, you must save your template using a very specific filename, and that filename must end with .txt

The specific filename is the last operation... when you put the calculator into landscape mode and do something like 5 ENTER, after you tap ENTER you'll see the name of the last operation above the number 9. If you then tap 1/x the last operation will change to 1/x. So if we want a custom email for ENTER that lists the stack registers instead of having a subject: Calculation result with an email body: Results of ENTER: 5.00, we would make a plain text file named ENTER.txt that looks like this:

<SMDSUBJECT>I just tapped the enter key</SMDSUBJECT>

<SMDTEXT>And here are the contents of the stack

The x register contains: <SMDSTACK-X>

The y register contains: <SMDSTACK-Y>

The z register contains: <SMDSTACK-Z>

The t register contains: <SMDSTACK-T>

The LastX register contains: <SMDSTACK-LASTX>

</SMDTEXT>

Then we'd save it somewhere easy to remember on our computer. The next step is to get the template into the app and to do that we must use iTunes.

* connect your device to iTunes

* find your device in the left pane under Devices and click it

* near the top, find and click Apps then scroll the window down until you see File Sharing with a bunch of apps listed. Don't scroll in the Apps you see near the top, you have to scroll the window down until File Sharing appears

* In the File Sharing section, find Calc12E and click it -- the right side will show you Calc12E Documents (there may not be any documents in there)

* On the right side, near the bottom and above the Sync button will be an Add... button. Click that

* Find the ENTER.txt file you make above, click it and then click Add. It'll show up under Calc12E Documents in the right hand pane.

* You're done. Now, every time you send an email right after you tap ENTER, it'll use the template you just loaded.

* To stop using the template you have to delete it: click on ENTER.txt in Calc12E Documents and press the Delete key.

If you want to change your template delete the old template, edit the ENTER.txt file on your computer, and then add it to Calc12E. You don't have to sync, the template file is transferred immediately.

So. It's not real simple, but if you need customized emails--it is possible!

If you need any help let me know at the customer service email address and I'll be happy to assist.

Customized Email Templates:

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