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  • The Present Value of Uneven Cash Flow

    To be able to work these problems I must first introduce you to another key on the Texas Instrument BA II Plus calculator. The key is on the second row and is the second one from the left. It is CF, the cash flow key. It’s used to handle uneven cash flows. When you’ve solved…

  • Perpetuities

    (How to trick the BA II Plus into solving this problem) An annuity is a payment that theoretically goes to infinity. There is no way to enter infinity into the N on the calculator. However, the formula for this problem is simple. You only need to divide the payment by the interest rate. Say the…

  • Solving for the Interest Rate (Using the Texas Instrument BAS II Plus)

    (Using the Texas Instrument BA II Plus) There are times in our careers when we need to solve for an interest rate for a deal being offered. Or maybe someone offer to purchase an item from you over time and you know a dollar today is of more value than the same dollar tomorrow. Perhaps…

  • The Present Value of a Lump Sum (Using The Texas Instruments BA II plus

              I use the Texas Instrument BAII Plus calculator to solve such problems. It is important to note that unless the interest rate is negative the present value will always be less than the future value. Let suppose that you just had a little boy and in 18 years you are planning on sending him…

  • The Basic Problem Solved for Real Estate Purchase

    First of all, I use the BA II Plus financial calculator from Texas Instruments. Again, we are trying to solve what your payment will be. However, we will only be able to provide a rough estimate because we don’t know the exact data the lending institution will use but we be close. Keep in mind…

  • Present Value of Tomorrow’s Lump Sum

    It is useful to be able to calculate the present value of tomorrows’ lump sum because it is used in the process of discounting future cash into present value. As an example, let’s assume you the investor has been offered the opportunity that is projected to provide a $2,552.56 cash in flow at the end…

  • Refinance

    (When to consider this decision) Due to the changes in the mortgage rates a large portion of the home mortgage homeowners have, or will be in situations where they might consider refinancing their home loans. There is a significant relationship between interest rate decline and refinancing activity. The reason behind this is simply the home…

  • The Federal Housing Administration (FHA)

    It is impossible to determine where our countries financial stability would be without the FHA. Before it was established in 1934 the typical home loan was short term (5-15 years). These loans required principal repayment at the end of the loan, which means the loans were not amortized. The FHA was created to show the…

  • Mutual Funds

    Have you ever wanted to buy stocks or bonds, but decided against because of lack of knowledge or lack of funds? Those two reasons are why many investors have decided to invest in mutual fund offerings. A mutual fund pools the moneys needed from various investors and then it invests in securities such as stocks,…

  • Investment Strategies

    Basically, there are two investment strategies: Long-term and Short-term strategies. We refer to the persons behind these strategies by different names. The person who purchases an investment and hold it for a year or longer is typically referred to as an investor. Those individuals which purchase investments and usually resale them in under a year…