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[badgers]

On page 335 of the manual there is an example for figuring a mortgage payment.
25 years at 6.2% for 300,000
12 monthly installments
semiannual compounding C/Y = 2

I enter all the same numbers as their example but my calculator give me a payment of
-1945.30495

but the manual gets an answer of
-1955.228277

I looked this up because I used an online mortgage calculator and I was checking it against my calculator.

The error between the website may calculator was off by about a little less then 10 bucks.

what setting could cause this to be off?

[badgers]

what setting could cause this to be off?

My research seems to hint that it has to do with beggining of the month or end of the month payments.

I am not sure if this is the problem and even if this was the problem, I would not know how to fix it
any ideas?