Do you remember how to calculate hyperbolic cotangent? Me neither! In this session, you'll learn the calculator that should be taught in schools, the financial calculator. Learning this basic tool can help you calculate the amount of interest you will pay on a loan or how much interest you will collect on a loan. You will learn what it means to have a one percentage point difference in interest rate, how to lower (or raise) payment amounts and how time factors in to all of these equations.