If you are a college student that is majoring in accounting, finance, or any other business major, then this is definitely the calculator for you. It is pretty inexpensive, but it has a lot of great features and functions. The Texas Instruments BA II Plus can perform many functions including time value of money calculations, cash flow calculations, and more. It has definitely made some of my finance and accounting courses easier as well. I have had this calculator over a year and have never had to replace tha battery. You can also purchase it at most retailers like Wal-Mart, Target, and many others. The BA II Plus also comes with a thick instruction manual that can help you figure out how to use its many functions. It also comes with a quick reference card that fits under the case. I would definitely recommend this product.