I got mad at myself for forgetting how to use the calculator for a math exam recently...
I was taught a TI BAII for finance. The one quest had me do a begin and end payment; which really effects the cumulative interest rate. I didn't remember how to put that into the calculator :(.
Like I have to pick the worksheets back up.
I use the calculator for coupon payments loan values... I don't adjust payment tables or anything anymore...