If you use Ubuntu's Calculator application to work out nothing but trivial financial transactions in dollars and cents (or Euros/cents, pounds/pennies etc), then you can force it to always round its results to two decimal places, depending on which side of half a cent/penny the result is. Start gconf-editor and navigate to /apps/gcalctool. Then double-click the accuracy entry on the right and change it to 2. Note that, following this, Calculator will still let you enter numbers with more than two decimal places, but it will always round-up the answer to just two decimal places.
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