1 - San Francisco State University
When using calculator, sometimes you might need to enter a negative number to get the answer. When there are several cash flows within a year, apply periodic rate. For HP calculator, after doing an operation to convert nominal rate to EFF, you might need to change to setting of P/YR back to 1. 1, orange, P/YR. For Texas, to get EFF, use 2nd ... ................
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