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depends on the field, but generally speaking, the TI-84 will be enough.
if your gonna have a TI-89 have a backup calculator thats not a pain to use because its going to be disallowed in math classes, if not ALL graphing calculators disallowed.
for HS calculus, a good scientific is all you need. like 99% of the time graphing calcs are disallowed for calculus 1.
chemistry, physics, engineering, the TI-89 may prove useful, but your not going to be stuck without one.
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