Calculator Tutorial.mp4

!±8± Calculator Tutorial.mp4

Texas Instruments BA II Plus Tutorial for CFA Exam

Calculator Tutorial.mp4

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Mortgage Or Rent?

!±8± Mortgage Or Rent?

For many home buyers, the dilemma of whether to rent or to own is a common one. There are three benefits of home ownership. Firstly, home ownership produces one of the safest and surest opportunities to build your personal wealth assuming that the purchase is geared lightly. Secondly, property offers a potential source of capital preservation. Finally, home ownership yields non-financial benefits that far outweigh monetary returns and provide satisfaction to the owners.

Some people may have the notion that home ownership will no longer produce good financial returns because of the compounding effect of mortgages. However, not everyone has the discipline or skill to put a certain amount of money aside monthly to build up their wealth. The temptation to take out the profits for consumption may be too great to resist.

Maybe buying a home is the best way to commit yourself to save for the initial down payment. Then, by merely waiting until the total needed amount for your dream house is saved, most will end up not being able to fulfill their goals as they may not be disciplined enough to follow strictly their saving plan and also inflation may keep on eroding the purchasing power of money. Conversely, building wealth through home equity has consistently proven to be a prudent strategy as property values are more stable than other asset values.

Concerning the issue of wealth accumulation via home equity, homeowners have to consider if they are better off if they rent and put their extra money into saving. If the returns on other investment instruments are greater than the appreciation of the house prices, then by all means to continue in renting.

However, most homeowners spend less for housing than renters do. Even though the exact cost advantages will differ between towns and cities throughout the country, over time rents continue to increase as mortgage payments remain quite stable.

Moreover, after your mortgage is paid off, your monthly payments will be reduced to zero. This cost advantage of owning means that as the homeowners grow older, they will have more money left from their salaries after paying off the mortgage. Thus, they have more money for other purposes like children education and medical bills.

Aside from the possibility of financial gains, there are many more non-monetary benefits you can enjoy. When you buy your own home, you don't just buy a house, you also gain freedom. You are not only saving money each month and building wealth, but more importantly, you have escaped from the 'renters' jail'. By freeing yourselves from the 'renters' jail', there will be no more landlords to tell you how you can decorate, who you can have over, or whether you can get a cat or dog. For the first time in your life, you are free to do with the home the way you want. Even if the mortgage costs you more, it'd be worth.

Therefore, the financial returns of ownership are great, but the most important benefit of owning is ownership itself. Ownership gives you the feelings of security and comfort. When you rented, you will never felt in control of your life. So, when figuring out your rent versus mortgage comparisons, keep in mind the enhanced benefits of owning.

Mortgage Or Rent?

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5 Steps to Choose Your Financial Advisor

!±8± 5 Steps to Choose Your Financial Advisor

Before you settle on your financial advisor, make sure that you have weighed all your options. The internet is vast and would readily provide you with details and the contact information of financial specialists. Friends and acquaintances could also provide helpful leads in the matter.

1) Encourage to look into the details of maintenance

A good financial planner would encourage you to look into the details of maintenance as well as updating and implementation with periodic reviews of reports and correspondence. Pick the right specialist be it regarding tax advice and preparation, retirement planning stock and equity portfolios, investment strategies, personal budgeting and debt management, savings plans, estate planning, or insurance advice.

2) Check the authenticity of your advisor

A financial advisor needs to be licensed by IRDA in order to be equipped to deal in insurance and by AMFI to deal in mutual funds in India. Any extra qualification such as CFP would add more value to the advisor's portfolio. In addition to the qualifications, the advisor's experience in the profession as well as their exposure to financial dealings in recessionary times would speak for themselves.

Make sure you verify and are aware of the advisor's qualifications, previous financial deals and professional history. The information should give you a clear idea about how well versed with his profession he is.

3) References and information about his previous clientele

It is of prime importance that you gather references from clients who have dealt previously with your potential financial advisor. Not only will this give you a clear idea of his integrity and potential but will also prevent you from getting caught up in any glitches. Make sure that you have chosen the correct advisor to work with who specializes in the field that you desire. It is not a bad idea to take the time to go through the testimonials given to him by his prior clients.

4) Say No to Financial advisors who boast of huge returns

Avoid financial advisers who boast of enormous returns and high performances as they will only put your money in high risk situations. As they say, actions speak louder than words and it applies to this particular situation in a very obvious way. Do not base your opinions on what an advisor claims he can do to make your money grow. Instead, verify and check his documentation and past clientele records to validate his claims.

5) Compensation for services

There are a variety of ways in which an advisor can be compensated for his services. The charges could vary from hourly charges to a flat monthly fee. A percentage on the invested amount or a commission on the same. The compensation could also be based on the number of transactions. Other ways of payment could include a combination of two or more of the methods mentioned above.

Some of the financial advisors may charge you for a number of trades or, procuring commission from the investment companies. At times, these charges could be for personal profitable gains without keeping your best interests in mind.

Conclusion

Do not hold back any queries or questions when it comes to safeguarding your money. Be sure to be well versed with the working and the philosophy of your investment. Always cross-check the qualifications and reputation of your financial advisor. Stay alert and well informed. The results you could reap would be well worth it.

5 Steps to Choose Your Financial Advisor

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!±8± Texas Instruments Voyage 200 Calculator

Brand : Texas Instruments | Rate : | Price : $182.99
Post Date : Nov 21, 2011 00:11:37 | Usually ships in 24 hours

Texas Instruments Voyage 200 Calculator

• QWERTY keyboard for typing
• Large easy-to-ready 128 x 240 pixel LCD
• Preloaded with popular applications, including The Geometer's Sketchpad
• Accepts StudyCards for history, foreign language, English, and more
• Numeric and symbolic equations; factor, solve, differentiate, integrate

More Specification..!!

Texas Instruments Voyage 200 Calculator

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Texas Instruments Ti-nspire Graphing Calculator with Touchpad

!±8±Texas Instruments Ti-nspire Graphing Calculator with Touchpad

Brand : Texas Instruments
Rate :
Price : $0.00
Post Date : Nov 16, 2011 11:48:37
Usually ships in 1-2 business days

The Texas Instruments Ti-nspire Graphing Calculator with Touchpad features Includes an easy-glide Touchpad that works more like a computer with a mouse, See multiple representations of a single problem - algebraic, graphical, geometric, numeric and written, Explore individual representations, one at a time, or as many as four on the same screen, Grab a graphed function and move it to see the effect on corresponding equations and data lists and Link representations - Manipulate the properties of one and observe instant updates to others without switching screens.

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!±8± Texas Instruments TI-89 Titanium Graphing Calculator

Brand : Texas Instruments | Rate : | Price : $136.88
Post Date : Nov 13, 2011 23:51:17 | Usually ships in 24 hours

Texas Instruments TI-89 Titanium Graphing Calculator

• Graphing calculator handles calculus, algebra, matrices, and statistical functions
• 188 KB RAM and 2.7 MB flash memory for speed; plenty of storage for functions, programs, data
• Large 100 x 160 pixel display for split-screen views
• USB on-the-go technology for file sharing with other calculators and connecting with PCs
• Backed by 1-year warranty
• 188 KB RAM and 27 MB flash memory for speed; plenty of storage for functions, programs, data

More Specification..!!

Texas Instruments TI-89 Titanium Graphing Calculator

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Leading Manufacturers of Graphing Calculators

!±8± Leading Manufacturers of Graphing Calculators

A computing devices that is able to plot graphs and solve graphing problems is called a graphing calculator. It can solve simultaneous equations and can perform various tasks with variables. The calculator has a large display that is able to take in numerous lines of text and calculations at the same time. There are also color displays, 3D graphing, and readily user-programmable graphing calculators that are useful in education, engineering, and scientific applications.

World's Leading Producers
Casio, Hewlett Packard (HP), Texas Instruments (TI), and Sharp are the world's leading producers of graphing calculators. Each company has their own top of the line models.

For instance, Casio has its fx-7000G graphing calculator manufactured in 1985. it was also one of the first graphing calculators that came out in the market. Hewlett Packard has HP-28C after few years and eventually produced the HP-28S in 1988.

The other models HP had produced are the HP-48SX in 1990, HP-48S in 1991 and the recent model, the HP 50g in 2006. The HP 50g has a feature of Computer Algebra System (CAS), powerful in solving analytical problems and in manipulating symbolic expressions. The production of HP-28 and HP-48 range is specifically intended to groups of science and engineering professionals.

The HP-38 HP-39 and HP-40 target the high school and college students as the main market. And the HP-49 model is sold to all levels of both educational and professional customers. It is known for its standard expression entry interface. All the HP series are popular because they are featured with Reverse Polish Notation interface.

In 1990, Texas Instruments started to manufacture graphing calculators. Their first model was the TI-81 series. The TI-82 and TI-83 series consist of TI- 83, TI-83 Plus, and TI-83 Plus Silver Edition. These have larger internal memory. Their TI-80 and TI-73 series are best suitable for students, ages 10 to 14 years old. The design of TI-85, TI-86, TI-89 series, and TI-92 series which comprises of the TI-92, TI-92 Plus, and Voyage 200 are applicable for calculus. And the TI-89 and TI-92 series are designed with computer algebra system; however, the TI-92 series offers a QWERTY keypad.

Texas Instrument devices are purposely produced mainly for the educational sector and the general public. Sharp has been also involved in the production of graphing calculators. However, they do not have collections of programs.

Here are the top selling models regardless of brand names:

HP 48G II Graphing Calculator
It is a perfect graphing calculator for either laboratory activities or classroom work in math, science, statistics, engineering and surveying. The calculator features 128KB Memory, and 80.7KB of the total memory is available to the user. It has 131 x 64 pixel display and has large built-in constant library and structured programming for making applications.

The HP graphing calculator features more than 2,300 functions. It has a Computer Algebra System (CAS). This feature is very helpful in numeric solving and symbolic manipulation. Thus working in complex arithmetic or calculus functions will be easier and not complicated.

It also provides comfortable viewing because it has a large screen along with 2D and 3D graphing modes. Such screen has also serial port and IrDA connectivity that consists of cable and software. The serial port can be connected to the PC for easy transfer of data. The graphing calculator is featured with algebraic, RPN and textbook entry modes As well.

It is operated on three batteries. It also comes with an auto shut off feature after five idle minutes. It measures only 7.2 x 3.4 x .09 inches and weighs 7.7 ounces.

Texas Instruments TI-89 Titanium Graphing Calculator
Texas Instruments TI-89 Titanium Graphing Calculator is ideal for advanced engineering applications and advanced college mathematics. It has a big working memory of 188 KB RAM, and upgradeable to 2.7 MB Flash ROM and 3D graphing. It includes a mini USB port and such USB port is useful for a more convenient transferring of data. It has a display of 100 x 160 pixels.

This device is handy in storing important financial data. It has pre-programmed applications like a cell sheet, polynomial root finder, calendar, note folio, symbolic math guide, French and German localization, and simultaneous equation solver. The calculator has a graph mode that can store 99 equations. And some of the analysis of TI calculator includes maximums, minimums, roots, intersections, derivatives, arc lengths, inflection points, and integrals.

The unit comes in a hard slide case and power supplied by 4 batteries that are silver oxide. It comes along as well with a user instruction guide. It has one year warranty for the parts and for the labor.

Casio CFX-9850GB Plus Graphing Calculator
This graphing calculator is best for math and science students. It has 900 advanced features to help solve problems quickly and accurately. It has a total memory of 32 KB and can store up to 38 programs. It has also a large, easy to read display that can show eight lines and 21 characters, 15-digit, 10-plus-2. And such display is in three colors which make then the graph in animated form. Thus the variables in can be changed in a formula, and then will able to view the movement of the graph.

The calculator has ability to work on statistical calculations that include histograms, eight regression types, scatter plots, and box and whisker plots. It has a built-in communications port that can be connect to a personal computer. Graphic functions include making vertical lines, parametric, rectangular and polar coordinates.

The Casio graphing calculator is enclosed in a hard slide case and uses four alkaline batteries and a lithium battery. It comes also with a user guidebook. It weighs 2 pounds.

Leading Manufacturers of Graphing Calculators

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