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Texas Instruments BA II Plus Financial Calculator by Texas Instruments
Digital Photo Product DetailsManufacturer: Texas Instruments Model: BAIIPlus Color: Kelly Green Product features: - Performs common math as well as various financial functions
- Worksheet mode includes tables for amortization, bond, depreciation, and compound interest
- Built-in memory for storage of previous worksheets
- Can perform cash-flow analysis and advanced list-based statistics
- Slide-case included to protect screen
Accessories:
Digital Cameras Photo Reviews of Texas Instruments BA II Plus Financial CalculatorCustomer Review: Great Value for the Price!! Summary: 4 Stars
This BA II Plus is my third BA calculator in 14 years and my second BA II Plus. They are an awsome value for the money, costing only a third of the HP 12C and can be used with little training right away by anyone, which is absolutely NOT the case for the HP financial calcualtors using reverse polish input (it has that name for a reason and certainly feels "reverse" to me too). The BA II Plus is definitly more intuitive and easier to learn for the general layman user than the reverse polish input HP calculators. The BA II is loaded with functions to calculate anything a personal household or some small business analyst will want to do.
The reason I cannot give this calculator a "5" is the fact that TI has cheapened it up quite a bit over time. My first BA in 1990 was by far the best built and lasted the longest. I exchanged it for the BA II in 1997 only because the letters wore off the buttons. The calculator in all aspects has become more flimsy with each new revision. So with intensive daily use, figure it will last about two to four years. After that time the buttons start to malfunction and it is time for a new one. Even my previous BA II Plus from 1997 was better in quality than this one. It had a tilted display for better readability, rubber stoppers on the bottom for working one-handed on slick surfaces and a small battery door. All of these features of the older model are not installed in this newest model. This newest version is also again lighter than the old one. I would pay subsantially more if TI would make this calculator in a better (metal!) housing with better buttons and more longevity, but price on these items obviously sells first and foremost in our society. Another issue I have with all BA II Plus calculators (the older one too) is the fact that the display is apparently supposed to be read from a 45 degree angle lookin from the bottom of the calculator. If you look straight down on the display, the numbers almost vanish. The contrast of the LCD display is in general not the best. It's annoying and I have never figured out why TI designed it that way.
Don't be worried about this "quality issue" too much since with occasional use this calculator will last forever. Don't be distracted by some of the reveiwers here giving the BA II Plus a bad review. It looks to me they have been individuals using the HP 12C or similar reverse polish input HP calculators for a long time and can't hack the TI BA II Plus. The HP financial series and the TI BA II are very different beasts from a user interface and people used to the HP will not (or never) warm up to the BA II Plus easily. Besides, I learned for our company's finance dept. (all HP users) that HP 12C users are quite the snobs about their "classic" financial calculators.
The BA II Plus calculator is definitly worth every penny it costs and will do more than the average consumer will need to do with it.
It is especially recommended for personal households or individuals who want to calculate loans, mortgages, interst spendings and savings annuities for personal financial planning. Even if you have never held a financial calculator in your hands before, you will calculate amortizations, loans, savings annuities, interest cost and any other so called "Time-Value" calculation easily and within minutes. The manual is easy to read and well organized for the layman to get going right away.
Bottom line: this calculator is geared towards the student and personal household user. There is no other financial calculator anywhere on the market today that will provide you with this amount of functionality and utility for this low price. PERIOD.
Description of Texas Instruments BA II Plus Financial CalculatorTexas Instruments BA II plus Financial Calculator for business professionals and students features are that it performs common math as well as various financial functions; the Worksheet mode includes tables for amortization, bond, depreciation, and compound interest, Built-in memory for storage of previous worksheets, Can perform cash-flow analysis and advanced list-based statistics and a Slide-case included to protect screen. We're definitely taking this along with us the next time we shop for a house. Though it takes a little effort to master the collection of financial worksheets available on the Texas Instruments BA II Plus, you'll be glad you invested the time and money in this fine financial calculator.The BA II Plus operates in standard calculator and worksheet modes. 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. You can also perform trigonometric functions in standard mode. The more hard-core worksheet mode includes tables for amortization, bond, depreciation, and compound interest. If you're not familiar with such calculations, the very helpful user's manual will guide you through the process. All previous worksheet values are stored in memory, so you don't have to retype all the bond maturity or cash flow analysis figures. The average user who wants to calculate a basic loan payment will be more comfortable working in the standard calculator mode. We were using the BA II Plus tools for calculating basic interest and payment periods within minutes. Still, it's good to know that the more advanced features are available for those who require heavy-duty financial computing. Finance students and average users alike will find much to like in the Texas Instruments BA II Plus. --John Frederick Moore
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