(06-17-2022 08:59 AM)Vincent Weber Wrote:  One small difference though, if you set up the amortization table parameters (FIRST, LAST, INC), and exit TVM app and come back, these parameters are gone in both Plus42 and the HP-27S, but on Plus42 the number of payments is reset to 0, whereas on the 27S it is reset to 1, hence you get something (1 entry) if you press "GO".

Thomas, is this intended ?

(06-17-2022 10:49 AM)jonmoore Wrote:  The assumption that I would question is that HP is wrong. TVM calculations on the 12C have been proven to be robust by multiple institutions and individuals (within the confines of the calculator's precision).

HP wouldn't continue to sell the 12C 40 years down the line if it had mission-critical errors.

(06-17-2022 11:44 AM)Thomas Okken Wrote:  

(06-17-2022 10:49 AM)jonmoore Wrote:  The assumption that I would question is that HP is wrong. TVM calculations on the 12C have been proven to be robust by multiple institutions and individuals (within the confines of the calculator's precision).

HP wouldn't continue to sell the 12C 40 years down the line if it had mission-critical errors.

I'd say it's more of a "don't care" kind of thing. The sign change refers to a situation where, after having repaid a loan in full, you keep on paying, and you continue to use the same interest rate on the surplus as on the debt. Since the situation is nonsensical, I assume it doesn't really matter whether you calculate it like the 17B does, or like Plus42. I merely went with the simplest approach, but I'm prepared to reconsider if this approach causes problems in practice.

(06-17-2022 11:39 AM)Thomas Okken Wrote:  No, that sounds like a bug.

(06-17-2022 11:39 AM)Thomas Okken Wrote:  

(06-17-2022 08:59 AM)Vincent Weber Wrote:  One small difference though, if you set up the amortization table parameters (FIRST, LAST, INC), and exit TVM app and come back, these parameters are gone in both Plus42 and the HP-27S, but on Plus42 the number of payments is reset to 0, whereas on the 27S it is reset to 1, hence you get something (1 entry) if you press "GO".

Thomas, is this intended ?

No, that sounds like a bug.

(06-17-2022 01:12 PM)Thomas Okken Wrote:  

(06-17-2022 11:39 AM)Thomas Okken Wrote:  No, that sounds like a bug.

I think I spoke too soon. I just tried this, and I don't see how Plus42 behaves differently from the 27S when leaving and re-entering AMORT. Could you elaborate?

(06-17-2022 11:32 AM)Vincent Weber Wrote:  It is not THAT wrong, it is a sign issue, more a philosophical thing, do you make money or pay some.
If you know what you are doing and how to interpret the results, then both ways are fine.

(06-17-2022 03:09 PM)Albert Chan Wrote:  

(06-17-2022 11:32 AM)Vincent Weber Wrote:  It is not THAT wrong, it is a sign issue, more a philosophical thing, do you make money or pay some.
If you know what you are doing and how to interpret the results, then both ways are fine.

Sign is important !

Some situations, even signed zero is important !
Much Ado About Nothing's Sign Bit, by W. Kahan

With the right sign, if we follow the math, we get the right answer.
And, it signal problems, without extensive "intepretation"

Doing the same amortization problem on TI BA-35 Solar (loan-convention)

PMT 01-12: ΣINT = 756.35, ΣPRN = 5413.33
PMT 13-24: ΣINT = 189.50, ΣPRN = 5980.18
PMT 25-36: ΣINT = -436.70, ΣPRN = 6606.38

Every year, ΣINT + ΣPRN = 12*PMT = 12*514.14 = 6169.68

(06-17-2022 01:27 PM)Vincent Weber Wrote:  -Take the example above, from Ajaja.
-Go to AMORT, TABLE, key in 1 for FIRST, 36 for LAST, 12 for INCR, GO.
-In both cases, what needs to be done is done (but not on the LCD on Plus42, see my previous message);
-Now press EXIT twice, you are back to the TVM menu (second page with P/YR), choose AMORT gain.
- Plus 42 says "#P=1 PMTS: 0-0". Pressing TABLE and GO just prints the variables, no payment;
- The HP-27S prints one paiement (1-1) and only then (why not before ?) says: "#P1=1 PMTS:1-1"

(06-17-2022 04:53 PM)Thomas Okken Wrote:  

(06-17-2022 01:27 PM)Vincent Weber Wrote:  -Take the example above, from Ajaja.
-Go to AMORT, TABLE, key in 1 for FIRST, 36 for LAST, 12 for INCR, GO.
-In both cases, what needs to be done is done (but not on the LCD on Plus42, see my previous message);
-Now press EXIT twice, you are back to the TVM menu (second page with P/YR), choose AMORT gain.
- Plus 42 says "#P=1 PMTS: 0-0". Pressing TABLE and GO just prints the variables, no payment;
- The HP-27S prints one paiement (1-1) and only then (why not before ?) says: "#P1=1 PMTS:1-1"

So, in other words, the 27S TABLE menu has defaults FIRST=LAST=INCR=1?

(Plus42 has FIRST=LAST=INCR=0 initially, which is why it doesn't print anything after the header, if you just press GO without setting any parameters.)

(06-17-2022 04:59 PM)Vincent Weber Wrote:  

(06-17-2022 04:53 PM)Thomas Okken Wrote:  So, in other words, the 27S TABLE menu has defaults FIRST=LAST=INCR=1?

(Plus42 has FIRST=LAST=INCR=0 initially, which is why it doesn't print anything after the header, if you just press GO without setting any parameters.)

Yes.

(06-17-2022 04:59 PM)Vincent Weber Wrote:  This is also this issue of printing on the LCD some info about the current set of payments being printed on the printer...