Review of Texas Instruments BA Real Estate Financial Calculator

Average Reviews:

(More customer reviews)During the many years going to college (I majored in Finance), working as a Banker, and now as a Realtor/Loan Officer, I have used many different financial calculators made by Sharp, HP, and Texas Instruments, etc. Each of the calculators I've tried has some good points and some bad ones. However, if you work in real estate, this calculator is made for you. It is loaded with excellent features specifically designed for this industry. I paid over $80 for my calculator when it first came out, and I felt I got every penny's worth. At the current price of less than forty bucks, it's absolutely a bargain!
Another reviewer on this page complains about the responsiveness of the keys. I simply don't have any problem like that at all. He or she must have had a defective one. I always tap the keys very fast, and the numbers come out all right.
In short, if you're heavily involved with real estate and mortgages, I highly recommend you to give this calculator a try!

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Product Description:
BAIIPlus Financial Calculator

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Review of HP 12C Platinum Calculator

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(More customer reviews)I have been using both the 12c Platinum (call it 12cP) and 12C for study and at work. I use the 12C gold more often than the 12cP.

My biggest disappointment with the 12cP is its relatively slow processing SPEED vis-a-vis the predecessor 12C and its competition (the HP10B, TIBA2plus).

The 12cP is notably slower than the 12C especially when performing Time Value of Money (TVM) calculations.

Running both HP12s side-by-side with the same data input, my 12cP has been consistently slower by 50% as compared to my 12C.

If possible, I would suggest that potential users and buyers try this data set on both the 12C and 12cP before buying. Clear register. Find [i] after input [PMT]=-1458;[FV]=0,[n]=84,[PV]=103600. The HP12C would take 20 seconds "running" while the HP12cP would take about 30 seconds to give the same answer [i]=0.4059!

This apparent lack of speed is difficult to accept for a supposedly latest financial calculator upgrade from any manufacturer! It is a bad joke, considering that my 12 years old HP10B could perform the same TVM calculation in just 2 to 3 seconds!

However,both HP12Cs are great value for money if the user consider the TOTAL solutions and free website support and training which is available from HP. In addition, there are lots of literature and solutions written by third party users over the still ongoing 20+ years production run of the 12C. IMHO,in addition to excellent user support, the PROGRAMMING capability of the HP12c is the other major face saving advantage which put both the 12Cs over its TI challengers for now.

The good people @ HP may like to know that 96% of my fellow students are now using their competitor's Texas Instrument TI-BAIIplus! The BAII-plus is chosen for its 50% lower price and much faster processing speed. The relative slower speed of the HP12c/12cP does not pull the crowds from TI, especially when speed is much needed during stressful exams condition. A slower processing speed would also cancels off the advantage of learning RPN.

After using the misnomer of a sucessor HP12cP, I personally feel that the 12C is still very much the industry standard. However, it would be better if HP would consider incorporating some useful improvements like a [BACKSPACE] key if it is technically feasible. Also, seasoned 12C users of the RPN would not miss the ALG mode on the 12cP especially when it HP doesn't have ( ) included. The HP12cP is an odd ball ALG calculator from this viewpoint. A suggestion to the dear good people at HP, please let future HP12C GOLD upgrades remain as an exclusively RPN machine.

I would also be very glad if somebody from HP could highlight to me on which are the 10+ more (130+ total)improved functions on the 12cP as compared to the 12C (120+ functions) to help me justify the additional price of 28%+ paid for the 12cP in Singapore.

Both my 12C/cP sets were "Made in China" by probably the same HP OEM to reasonably high HP quality. At a glance, the HP12C gold apparently has better cosmetic finishing than the 12cP. In addition, the keys on the 12C does feel very much better than those on the 12cP.

In a nutshell, the 12cP is more of "an alternative to 12C with ALG mode" than an upgrade or a sucessor of the 12C GOLD. When choosing between the 12C or 12cP, it is wiser to go for the 12C the "good old" 12C or 12C GOLD!

Smart consumers who do not need extra memory for programming and the ALG mode, should go for GOLD, buy the 12C GOLD standard until HP could produce a real and wholehearted improvement of the 12C line.

Thank you for reading my personal user experience with the HP12c PLATINUM.

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Product Description:
HP has taken the industry-standard, world-renowned HP 12C and improved it. The HP 12C Platinum now includes both RPN and algebraic entry and more power to perform industry-specific calculations with four times more memory.
Free Online Training
Make the most of your HP calculator with free online training. First, visit the HP Web site for Learning Modules, which are online self-paced training lessons that you control. Also, register for Virtual Courses that are conducted by experienced instructors who can answer your questions.
Still the ideal choice for heavy-duty calculations in real estate, banking, and finance, the HP 12C Platinum has over 130 built-in functions. Statistical features include cumulative analysis, standard deviation, mean, weighted mean, linear regression, forecasting, and correlation coefficient, to name a few. Business and finance features include TVM (loans, savings, and leasing), amortization, bond price and yield to maturity, and registered-based cash flow analysis with memory for 30 cash flows, and much more. Programming is simple, with storage for up to 400 recorded keystrokes which can then be executed with the push of a button.


What's in the Box
Calculator, owner's manual, batteries, padded carrying case, warranty card (one year)

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Review of HP 10B Financial Calculator

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(More customer reviews)I have used (and own) many of the available financial calculators on the market.I "recommend" the HP-10B to my university finance students, both graduate and undergraduate.
The HP 10B is a directly positioned competitor to the TI-BA-II+, but HP's entry is superior.The keys feel more solid, the machine itself "seems" better made.Having worn out more than one of each, my experience has been that the HP has more staying power.And, the TI-BA-II+ often requires more keystrokes to accomplish the same tasks (i.e., NPV calculations). ...
The HP 10B has a well written manual, including examples on using the function.HP has the manual available on-line on their website for the inevitable time that the user needs it and has lost the original.
While there are cheaper financial calculators, it seems that this particular level is the minimum I would recommend to professionals or students.Less expensive versions, while saving a few dollars, miss important features.As a general rule of thumb, if the calculator can perform the "IRR" function, as this can, it will be able to handle pretty much any calculation into which the finance student, professonal, or banker will run.Lesser machines do not have this function.
Ironically, even larger fancier calculators, such as the venerable HP-12C, are in my estimation inferior as well.The 12C uses RPN logic which, while saving even more keystrokes, is simply foreign to most students.More importantly, some functions, such as the Time Value of Money functions, on the 12C require interpretation.On the 12C, for example, solving for the number of periods in an annuity, the value gets rounded UP to the next integer.
Strongly recommended as the best value in inexpensive financial calculators.

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Product Description:
If you need to keep up with your fast-paced business courses whileworking and planning for your future career, invest in the HP10B businesscalculator. Featuring over 100 built-in functions for business, finance,mathematics, and statistics, the HP10B is an ideal calculator for businessstudents who want to get ahead. Easily calculate loan payments, interest rates,amortization, discounted cash flow analyses, TVM (loans, savings, and leasing)and more. Statistical analysis is cumulative and you can figure standarddeviation, mean, and weighted mean in addition to forecasting and thecorrelation coefficient. Cash flow analysis is register-based and has 15functions.
The HP10B business calculator has an algebraic entry system and alogical and intuitive keyboard layout with easy-to-read labels. The LCD displayscreen features up to 12 characters on one line of text. Small and sturdy, thiscalculator is easy to slip into your backpack or briefcase and bring to class oryour workplace. Hewlett-Packard offers a one-year warranty on the HP10B. --Dana Van Nest

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Review of Calculated Industries 3405 Real Estate Master IIIX Real Estate Finance Calculator

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(More customer reviews)At the suggestion of an experienced Agent, I ordered this calculator and am very happy I did.It performs all the basic functions I need to quickly figure out down payments, monthly payments (including taxes & insurance if I want), different interest rates, etc.The key pads are large enough that I don't accidently hit the wrong keys - which I really like.My previous calculator was credit card size & too small for my fingers. I still keep the "cheat sheet" it comes with in my portfolio, just in case... but this has been a quick learning curve & would be a valuable tool for anyone in the Real Estate, or the mortgage/lending business.As usual, Amazon's price was quite a bit less than the local stores - an added bonus!

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Product Description:
The Real Estate Master calculates mortgage payments, terms, interest, PITI payments, future value, as well as purchase price, and down payment figures. Permanently store local property tax and property insurance rates for customized calculations that will help buyers and sellers develop an informative financial outlook. The Real Estate Master even figures mortgage insurance. And, the device performs numerous "what-if" calculations from variables like purchase price, down payment amount, and loan amount financing informative calculations that open the door to more sales. An incredibly versatile device, the Real Estate Master lets you enter down payment figures either as dollar amounts or as percentage of price for a clearer picture of leveraging power. Plus, the Real Estate Master determines principal and interest paid for any single payment or any range of payments including remaining balances! With the push of a button, this ingenious calculator shows buyers the total lifetime interest savings and term reduction of loans bi-weekly as well as monthly. One more thing and then we'll have to stop there The Real Estate Master also calculates best- and worst-case scenarios for any adjustable rate loan. No figure too tough for the Real Estate Master, get one today and you'll become one, too

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Review of HP 12c Financial Calculator (12C#ABA)

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(More customer reviews)I've been using this calculator so long, over fifteen years, that I can't imagine working without it.When I bought this thing it was alone in the field of financial calculators and the 12C is still the standard by which other calculators are judged.It has become the standard "tool of the trade" for financial professional types.I have a senior position with a leading money management firm and I require all of my financial analysts to learn how to master this tool.Learning to master the functions is like taking a review course in finance.The calculator can be used for a variety of financial functions including calendar (day count), interest, cash flow, IRR, compounding, NPV, standard deviation, weighted average, simple programming and more.The calculator is nearly indestructible which can be very handy when a trade goes against you and the calculator is suddenly flying across a trading room.The calculator has a nice form factor, the buttons are easy to use, it fits in a shirt pocket, and it has an auto shut off for battery conservation.
There are other calculators available from HP such as the 10B for about a third the price and the 17B for about the same price.The 10B is inferior to the 12C and I see little reason to buy it.The 17B has greater functionality than the 12C, but I feel it is harder to master, harder to navigate, and it does not fit in a shirt pocket.However, the 17B does allow users to work in standard algebraic or RPN modes.The 12 works only in RPN (Reverse Polish Notation) which can be difficult to get used to. For example using RPN to add 1 and 2 you enter 1 2 .In simple algebraic notation the key sequence is 1 2 <= or enter key>.The difference is that with RPN you enter the operation (plus, minus, etc.) after you enter the values.With simple algebraic you enter the operation between the values.
Overall, this is the "industry standard" calculator for financial professionals and is recommended by AIMR for people taking the CFA exam.I would not recommend this calculator for casual home use as it does take some time to master, but once mastered it is a very powerful tool.

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Product Description:
Calculator of choice for many business and financial professionals. Use this calculator for all the answers you need in real estate and finance. This powerful unit is packed with features that make mortgage calculations, balloon payments, date, arithmetic and depreciation calculations simple. Contains cash-flow analysis, bond price and yield, percent change and percent total, plus powerful math and statistics functions. Easy-to-use keystroke programming is perfect for repetitive calculations that can become tedious and time-consuming on other calculators. Dimensions: 5"W x 3-1/9"D x 3/5"H. 99 programming/99 storage memory steps.

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Review of HP 12C Platinum Financial Calculator

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(More customer reviews)I have been using the HP12C for about 20 of the 25 years it has been around.I love the calculator, and this is why I have used it for so long.I would recommend a purchase of an HP 12C to everyone.I also recommend purchasing the HP 12C instead of this anniversary edition.I only have a couple reasons for this.
1) The keys of the anniversary edition do not respond as well as on the regular HP 12C.For example, when I turn on the anniversary edition, I have to check to make sure it actually turns on.
2) The quality of the anniversary edition is just not on par with the regular HP 12C.For example, the screen on the anniversay edition is already getting scratched up.I have a twenty year old and a five year old HP 12C, and neither of them has any scratches on the screen.Also the keys are just not as solid and they don't have the nice tactile feel of the regular HP 12C.The anniversary edition just feels cheap.

So I would recommend skipping the anniversary edition for the regular HP 12C.

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Product Description:
The HP 12C Platinum Edition is a fast and powerful calculator designed for educators, businessmen, or anyone who needs a reliable tool to handle mathematical and/or financial calculations. With a 400 step memory capacity, the 12C can handle even the most complex computations. For 25 years, the 12C has proven its reputation as the ultimate pocket-size calculator for financial use. The HP 12C Platinum is a faster, enhanced version of the industry-leading 12C, and is designed for the financial professional who demands more options. Its long battery life and small size make it easy to take with you anywhere, and its elegant black and silver design, and engravable metal plate on the back give it a modern, stylish appearance. The 12C Platinum is a powerful tool capable of handling the most complex and detailed analysis and problem solving. With over 130 built-in functions for business, finance, mathematics and statistics including date calculations, this calculator offers fast and reliable programming, finance, and statistical analysis options. With the 12C, you'll enjoy the flexibility of both RPN (Reverse Polish Notation) and algebraic modes of entry, the speed of its processor, and the increased memory capacity.
Precision Business and Finance Features
Ideal for real estate, finance, accounting, economics and business work, this calculator also helps you perform several key functions that allow you to make financial predictions, balance your budget, or calculate percentages of appreciation or depreciation for mortgages, loans, and savings accounts. Advanced editing features like the new "Undo" and "Backspace" buttons ensure precise calculations, while six times faster speeds for calculating TVM, loan payments, and interest rates help you gather and analyze important data in minutes. You can also pinpoint trends by performing cumulative statistical analysis, standard deviation, mean, weighted mean, and linear regression.
Memory For Up to 30 Cash Flows
The 12C offers several modes and an easy-to-use layout for a wide range of practical applications. For example, perform TVM (Time Value of Money) functions like calculating mortgage/loan payments. Or perform NPV (Net Present Value) and IRR (Internal Rate of Return) computations to help determine whether or not to undertake a particular investment project. With memory for up to 30 cash flows, it's a snap to manage a series of complex projects. For additional convenience, the 12C is also permitted for use on the CFP and CFA Certification Exams, and the GARP FRM Exam.
What's in the Box
12C financial calculator, battery, and user's manual.

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Review of HP 10bII Financial Calculator

Average Reviews:

(More customer reviews)This new "II" version is a newer style of the older HP-10B, which will now go out of production.The new style has a smoother case and a more 21st century look, but the calculator and its functions are still the same.
I have used (and own) many of the available financial calculators on the market. I "recommend" the HP-10B to my university finance students, both graduate and undergraduate.
The HP 10B-II is a directly positioned competitor to the TI-BA-II+, but HP's entry is superior. The keys feel more solid, the machine itself "seems" better made. Having worn out more than one of each, my experience has been that the HP has more staying power. And, the TI-BA-II+ often requires more keystrokes to accomplish the same tasks (i.e., NPV calculations). ...
The HP 10BII has a well written manual, including examples on using the function. HP has the manual available on-line on their website for the inevitable time that the user needs it and has lost the original.
While there are cheaper financial calculators, it seems that this particular level is the minimum I would recommend to professionals or students. Less expensive versions, while saving a few dollars, miss important features. As a general rule of thumb, if the calculator can perform the "IRR" function, as this can, it will be able to handle pretty much any calculation into which the finance student, professonal, or banker will run. Lesser machines do not have this function.
Ironically, even larger fancier calculators, such as the venerable HP-12C, are in my estimation inferior as well. The 12C uses RPN logic which, while saving even more keystrokes, is simply foreign to most students. More importantly, some functions, such as the Time Value of Money functions, on the 12C require interpretation. On the 12C, for example, solving for the number of periods in an annuity, the value gets rounded UP to the next integer.
Strongly recommended as the best value in inexpensive financial calculators.

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Product Description:
If you need to keep up with your fast-paced business courses while working and planning for your career, invest in the HP 10BII business calculator. Featuring over 100 built-in functions for business, finance, mathematics, and statistics, the 10BII is an ideal calculator for business students who want to get ahead. Easily calculate loan payments, interest rates, amortization, discounted cash-flow analyses, TVM (loans, savings, and leasing), and more. Statistical analysis is cumulative, and you can figure standard deviation, mean, and weighted mean in addition to forecasts and the correlation coefficient. Cash-flow analysis is register based and has 15 functions.
The HP 10BII business calculator has an algebraic entry system and a logical and intuitive keyboard layout with easy-to-read labels. The LCD screen features up to 12 characters on one line of text. Small and sturdy, this calculator is easy to slip into your backpack or briefcase and bring to class or your workplace.
HP offers a one-year warranty on the 10BII.
What's in the Box
Calculator, user's manual, installed batteries, and carrying case

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