While there are less expensive financial calculators, it seems that this particular level is the minimum I would recommend to professionals or students. Still, it's good to know that the more advanced features are available for those who require advance financial computing. The average user who wants to calculate a basic loan payment will be more comfortable working in the standard calculator mode. If you're not familiar with such calculations, the very helpful user's manual will guide you through the process. The more hard-core worksheet mode includes tables for amortization, bond, depreciation, and compound interest. You can also perform trigonometric functions in standard mode. The standard mode lets you perform common math as well as operations involving the time value of money - that is, applications such as mortgages or annuities in which payments are equal and evenly spaced. It operates in standard calculator and worksheet modes. It is the predecessor of professional version. Texas Instruments BA II Plus Financial Calculator
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