How to insert a character in a string at a certain position?

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As mentioned in comments, a StringBuilder is probably a faster implementation than using a StringBuffer. As mentioned in the Java docs:

This class provides an API compatible with StringBuffer, but with no guarantee of synchronization. This class is designed for use as a drop-in replacement for StringBuffer in places where the string buffer was being used by a single thread (as is generally the case). Where possible, it is recommended that this class be used in preference to StringBuffer as it will be faster under most implementations.

Usage : 

String str = Integer.toString(j);
str = new StringBuilder(str).insert(str.length()-2, ".").toString();

Or if you need synchronization use the StringBuffer with similar usage :

String str = Integer.toString(j);
str = new StringBuffer(str).insert(str.length()-2, ".").toString();

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