Final answer:
Time-value-of-money problems can be solved using mathematical formulas, interest factor tables, financial calculators like the Texas Instruments BA-II Plus, and spreadsheet programs like Microsoft Excel.
Step-by-step explanation:
Time-value-of-money problems can be solved using mathematical formulas, interest factor tables, financial calculators like the Texas Instruments BA-II Plus, and spreadsheet programs like Microsoft Excel. These tools help calculate the present value, future value, interest rate, and time period in various financial scenarios. For example, mathematical formulas like the compound interest formula can be used to find the future value of an investment. Similarly, interest factor tables and financial calculators can be used to determine loan payments or savings goals.