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1、BAIIPlusTutorialPartITheTIBAIIPlusisafairlyeasytousefinancialcalculatorthatwillserveyouwellinallfinancecourses.Thistutorialwilldemonstratehowtousethefinancialfunctionstohandletimevalueofmoneyproblemsandmakefinancialmatheasy.Iwillkeeptheexamplesratherelementary,butunderstandingthebasicsisallthati
2、snecessarytolearntousethecalculator.Pleasenotethatthedesignofthiscalculatorhaschangedslightlyovertheyears,butitworksthesamewayevenifitdoesn'tmatchmypicture.InitialSetupBeforewegetstarted,weneedtocorrectly(inmyview,anyway)setupthecalculator.TheBAIIPluscomesfromthefactorysettoassumemonthlycompound
3、ing.That'sfine,Isuppose,butitsbettertosetittoassumeannualcompoundingandthenmakemanualadjustmentswhenyouenternumbers.Why?Well,thecompoundingassumptionishiddenfromviewandinmyexperiencepeopletendtoforgettosetittothecorrectassumption.Ofcourse,mostpeopledon'trecognizeawronganswerwhentheygetone,sothey
4、blithelyforgeahead.Tofixthisproblempress2ndthenI/Yandenter1whenprompted.NowpressEnterandthen2ndCPTtoreturntoablankscreen.Problemsolved.Oneotheradjustmentisimportant.BydefaulttheBAIIPlusdisplaysonlytwodecimalplaces.Thisisnotenough.Personally,Iliketoseefivedecimalplaces,butyoumayprefersomeothernum
5、ber.Tochangethedisplay,press2ndthen.and,whenprompted,enterthenumberofdigitsyouwouldliketoseedisplayed.YoumustthenpresstheEntertolockinyourchoice.Iwouldpress2nd.5Entertodisplay5decimalplaces.That'sit,thecalculatorisreadytogo.Ifyoudon'tfindtheanswerthatyouarelookingfor,pleasechecktheFAQ.Ifitisn'tt
6、here,pleasedropmeanoteandI'lltrytoanswerthequestion.Example1—FutureValueofLumpSumsWe'llbeginwithaverysimpleproblemthatwillprovideyouwithmostoftheskillstoperformfinancialmathontheBAIIPlus:Supposethatyouhave$100toinvestforaperiodof5yearsataninterestrateof10%peryear.Howmuchwillyouhaveaccumulatedatt
7、heendofthistimeperiod?Inthisproblem,the$100isthepresentvalue(PV),thereare5periods(N),andtheinterestrateis10%(I/Y).Beforeenteringthedatayouneedtomakesurethatthefinancialregisters(eachkeyisnothingmorethanamemoryregister)arecle
