Texas Instruments BA II Plus User manual



BA II PLUS™

Calculator

Important

Texas Instruments makes no warranty, either expressed or implied,

including but not limited to any implied warranties of merchantability

and fitness for a particular purpose, regarding any programs or book

materials and makes such materials available solely on an “as-is” basis.

In no event shall Texas Instruments be liable to anyone for special,

collateral, incidental, or consequential damages in connection with or

arising out of the purchase or use of these materials, and the sole and

exclusive liability of Texas Instruments, regardless of the form of

action, shall not exceed the purchase price of this calculator. Moreover,

Texas Instruments shall not be liable for any claim of any kind

whatsoever against the use of these materials by any other party.

US FCC Information Concerning Radio Frequency Interference

This equipment has been tested and found to comply with the limits for

a Class B digital device, pursuant to Part 15 of the FCC rules. These

limits are designed to provide reasonable protection against harmful

interference in a residential installation. This equipment generates, uses,

and can radiate radio frequency energy and, if not installed and used in

accordance with the instructions, may cause harmful interference with

radio communications. However, there is no guarantee that interference

will not occur in a particular installation.

If this equipment does cause harmful interference to radio or television

reception, which can be determined by turning the equipment off and

on, you can try to correct the interference by one or more of the

following measures:

• Reorient or relocate the receiving antenna.

• Increase the separation between the equipment and receiver.

• Connect the equipment into an outlet on a circuit different from that

to which the receiver is connected.

• Consult the dealer or an experienced radio/television technician for

help.

Caution: Any changes or modifications to this equipment not expressly

approved by Texas Instruments may void your authority to operate the

equipment.

iii

1: Overview of Calculator Operations 1

Turning the Calculator On and Off.............................. 2

Resetting the Calculator ....................................... 3

Keys and 2nd Functions ....................................... 4

The Display .................................................. 4

Display Indicators ............................................ 5

Setting Calculator Formats .................................... 6

Clearing the Calculator ........................................ 11

Correcting Entry Errors ....................................... 12

Math Operations .............................................. 13

More on Selected Math Operations ............................. 15

Memory Operations ........................................... 17

Calculations Using Constants .................................. 19

Last Answer Feature .......................................... 20

Using Worksheets: Tools for Financial Solutions ................ 21

Types of Worksheets .......................................... 22

Worksheet Variables .......................................... 22

Clearing Worksheets and Setting Defaults ...................... 26

2: Time-Value-of-Money and Amortization Worksheets 27

TVM and Amortization Worksheet Labels.................... 28

Time-Line Diagrams ..................................... 32

Procedure: Using the TVM Worksheet ...................... 33

Procedure: Generating an Amortization Schedule ............. 34

Procedure: Automatically Generating a Schedule ............. 35

Basic Loan Calculations—Interest ......................... 36

Basic Loan Calculations—Payments........................ 37

Future Value of Savings .................................. 38

Present Value of Savings ................................. 39

Present Value in Present-Value Annuities .................... 40

Perpetual Annuities ..................................... 42

Variable Cash Flows..................................... 44

Lease-or-Buy Decision ................................... 46

Present Value of Lease with Residual Value .................. 48

Monthly Payments ...................................... 49

Yield to Maturity on Bond Purchased on Interest Date ......... 50

Saving for the Future by Making Monthly Deposits ............ 51

Amount to Borrow and Down Payment ..................... 52

Regular Deposits for a Specified Future Amount .............. 53

Time Value of Money/Amortization Schedule ................. 54

Interest and Loan Balance after Specified Payment ............ 56

Canadian Mortgages..................................... 57

3: Cash Flow Worksheet 59

Cash Flow Worksheet Labels ............................. 60

Interpreting the Results of IRR Calculations.................. 61

Uneven and Grouped Cash Flows .......................... 62

Entering Cash Flows .................................... 63

Deleting Cash Flows .................................... 64

Inserting Cash Flows .................................... 65

Computing NPV and IRR ................................. 66

Uneven Cash Flows ..................................... 67

Value of a Lease with Uneven Payments..................... 70

4: Bond Worksheet 73

Terminology ........................................... 76

Entering Bond Data and Computing Results.................. 77

Bond Price and Accrued Interest Example ................... 79

5: Depreciation Worksheet 81

Depreciation Worksheet Labels............................ 82

Entering Data and Computing Results ...................... 84

Declining Balance with Straight-Line Crossover Example .......... 85

Straight-Line Depreciation Example ........................ 86

6: Statistics Worksheet 87

Statistics Worksheet Labels............................... 88

Regression Models ...................................... 90

Entering Statistical Data ................................. 91

Editing Statistical Data .................................. 92

Computing Statistical Results ............................. 93

One-Variable Statistics Example ........................... 95

Two-Variable Statistics Example........................... 96

7: Other Worksheets 99

Percent Change/Compound Interest Worksheet............... 100

Interest Conversion Worksheet ............................ 104

Date Worksheet ........................................ 106

Profit Margin Worksheet ................................. 108

Breakeven Worksheet ................................... 110

Memory Worksheet ..................................... 112

Appendix: Reference Information 115

Formulas ............................................. 116

Error Conditions ....................................... 125

Accuracy Information ................................... 128

IRR Calculations ....................................... 129

AOSé(Algebraic Operating System) Calculations............. 131

Battery Information ..................................... 132

In Case of Difficulty ..................................... 133

Texas Instruments (TI) Support and Service Information ....... 134

Texas Instruments (TI) Warranty Information ................ 135

Index 137

1: Overview of Calculator Operations 1

Overview of Calculator Operations

This chapter contains information on:

• Basic calculator operation

• Clearing and correcting

• Math operations

• Memory

• Last Answer

• Worksheets

2 BA II PLUS™ Calculator

Turning the Calculator On and Off

Turning the Calculator On

Press $to turn the calculator on.

• If you turned the calculator off by pressing $, the

calculator returns to operation in the standard-calculator

mode. A value of zero is displayed and the values in all of

the worksheets are the same as you left them, as are the

formats for numbers, angle units, dates, separators, and

calculation method.

• If the APD™ feature turned the calculator off, the

calculator, including the display and any error condition,

returns exactly as you left it.

Turning the Calculator Off

When you press $to turn the calculator off:

• The displayed value is cleared.

• Any unfinished standard-calculator operation is canceled.

• Any worksheet calculation in progress is canceled.

• Any error condition is cleared.

• The Constant Memory™ feature retains all worksheet values

and settings, including the contents of the 10 memories and

all format settings.

Automatic Power Down™ (APD™) Feature

To prolong the life of the battery, the Automatic Power Down

(APD) feature turns the calculator off automatically if you do

not press any key for approximately 10 minutes.

1: Overview of Calculator Operations 3

Resetting the Calculator

Resetting the calculator restores all default settings and clears

all data. Because you can clear only selected portions of data,

you should reserve the reset function for appropriate situations.

You might choose to reset when you first purchase the

calculator or when you start a new project.

Effects of Resetting

• Clears the display and any unfinished calculation.

• Clears all 10 memories.

• Clears all worksheet data and restores the default settings.

(For information on specific worksheets, refer to the

specific worksheet chapters.)

• Returns the calculator to the standard-calculator mode.

Alternatives to Resetting

Before resetting the calculator, consider the other methods for

clearing described in this chapter. For example, if you need to

clear only one worksheet, you can do so without resetting.

Procedure: Resetting the Calculator

If necessary, first press Pto clear any error condition.

쐃Press &}.

RST ? and the ENTER indicator are displayed.

쐇To reset the calculator, press !. RST and 0.00 are

displayed.

Note: To cancel the reset operation instead, press &U. 0.00 is

displayed.

The calculator is in standard-calculator mode.

4 BA II PLUS™ Calculator

Keys and 2nd Functions

The primary function of each key is printed on the key. For

example, press $to turn the calculator on or off.

Some keys provide a secondary function. which is printed in

yellow above the key. When you press &, the character,

abbreviation, or word printed above a key becomes active for

the next keystroke. For example, press &Uto leave a

worksheet and return to standard-calculator mode.

The Display

The display shows entries and results with up to 10 digits. The

indicators along the top of the display provide information

about the status of the calculator and tell you what keys are

available at different times.

ABC represents the spaces where the three-letter abbreviations

for the variable labels are displayed.

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