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1、BAIIPlusTutorialPartITheTIBAIIPlusisafairlyeasytousefinancialcalculatorthatwillserveyouwellinallfinancecourses.Thistutorialwilldemonstratehowtousethefinancialfunctionstohandletimevalueofmoneyproblemsandmakefinancialmatheasy.Iwillkeeptheexamplesrathereleme
2、ntary,butunderstandingthebasicsisallthatisnecessarytolearntousethecalculator.Pleasenotethatthedesignofthiscalculatorhaschangedslightlyovertheyears,butitworksthesamewayevenifitdoesn'tmatchmypicture.InitialSetupBeforewegetstarted,weneedtocorrectly(inmyview,
3、anyway)setupthecalculator.TheBAIIPluscomesfromthefactorysettoassumemonthlycompounding.That'sfine,Isuppose,butitsbettertosetittoassumeannualcompoundingandthenmakemanualadjustmentswhenyouenternumbers.Why?Well,thecompoundingassumptionishiddenfromviewandinmye
4、xperiencepeopletendtoforgettosetittothecorrectassumption.Ofcourse,mostpeopledon'trecognizeawronganswerwhentheygetone,sotheyblithelyforgeahead.Tofixthisproblempress2ndthenI/Yandenter1whenprompted.NowpressEnterandthen2ndCPTtoreturntoablankscreen.Problemsolv
5、ed.Oneotheradjustmentisimportant.BydefaulttheBAIIPlusdisplaysonlytwodecimalplaces.Thisisnotenough.Personally,Iliketoseefivedecimalplaces,butyoumayprefersomeothernumber.Tochangethedisplay,press2ndthen.and,whenprompted,enterthenumberofdigitsyouwouldliketose
6、edisplayed.YoumustthenpresstheEntertolockinyourchoice.Iwouldpress2nd.5Entertodisplay5decimalplaces.That'sit,thecalculatorisreadytogo.Ifyoudon'tfindtheanswerthatyouarelookingfor,pleasechecktheFAQ.Ifitisn'tthere,pleasedropmeanoteandI'lltrytoanswerthequestio
7、n.Example1—FutureValueofLumpSumsWe'llbeginwithaverysimpleproblemthatwillprovideyouwithmostoftheskillstoperformfinancialmathontheBAIIPlus:Supposethatyouhave$100toinvestforaperiodof5yearsataninterestrateof10%peryear.Howmuchwillyouhaveaccumulatedattheendofth
8、istimeperiod?Inthisproblem,the$100isthepresentvalue(PV),thereare5periods(N),andtheinterestrateis10%(I/Y).Beforeenteringthedatayouneedtomakesurethatthefinancialregisters(eachkeyisnothingmorethanamemoryregister)arecle