More Calculator Power
Profits in Discounted Notes and Real Estate

Introduction....... i

Financial Calculator Review v

Chapter 1: Compound Interest 1

Chapter 2: Amortization Schedules...... 2

Chapter 3: A Real Note... 3

Chapter 4: Dividing a Cash Flow.. 4

Section I: Calculating The Balance Due On A Note 7

Chapter 5: Balance Due: PV Method 8

Chapter 6: Balance Due, the FV Method........ 10

Chapter 7: Discounting... 12

Chapter 8: Using an Investor.. 14

Section II: Working With Note Sellers....... 16

Chapter 9: Solving the Cash Problem........ 17

Chapter 10: Five Offers On One Note. 19

Chapter 11: Reverse Partials........ 24

Chapter 12: Metropolitan's Short Life Yield Program........ 26

Chapter 13: Yield Not Discount........ 29

Chapter 14: Balloons Are Not Just For Kids. 32

Chapter 15: Buy Back Option 36

Chapter 16: Increase the Payments...... 38

Section III: Creative Ways To Use Your Home....... 40

Chapter 17: Paying Off Your Home Mortgage........ 41

Chapter 18: Lowering the Payment on Your Home Mortgage........ 44

Chapter 19: Cash Flow From Your Home 47

Section IV: Uneven Cash Flows 50

Chapter 20: The Theory of "Net Present Value" 51

Chapter 21: IRR to NPV........ 53

Chapter 22: Buying An Uneven Series Of Payments...... 54

Chapter 23: Net Future Value-A New Idea........ 55

Section V: Split Funding Ideas....... 60

Chapter 24: Split Funding........ 61

Chapter 25: Split Fund A Balloon Note. 62

Chapter 26: Split Your Interest Only Notes 64

Chapter 27: Half the Payments, Twice the Yield........ 66

Section VI: Real Estate and Cash Flows....... 69

Chapter 28: Creative Purchases With Notes 70

Chapter 29: Add a "Bump" Payment........ 72

Chapter 30: Make A Note Fit!... 74

Chapter 31: Land Notes 76

Section VII: Early Payoffs....... 78

Chapter 32: Early Payoff & Schedule C.. 79

Chapter 33: Early Payoff & Schedule B... 81

Chapter 34: Early Payoff-Schedule B vs. Schedule C.. 88

Chapter 35: The Investor, The Partial and The Early Payoff 93

Chapter 36: Early Pay Off When You Own the "Tail"........ 97

Chapter 37: The Downside of Keeping the "Tail"...... 100

Section VIII: Uncovering Wraps..... 102

Chapter 38: All About Wraps...... 103

Chapter 39: The Underlying Loan and Wrap-Arounds...... 105

Chapter 40: Unraveling Wraps...... 107

Section IX: Restructuring Cash Flows..... 110

Chapter 41: Restructuring Notes...... 111

Chapter 42: More on Restructuring 114

Chapter 43: Earn More by Doing Nothing...... 117

Chapter 44: Still More On Restructuring 119

Chapter 45: The Restructured "Crank"...... 121

Section X: Personal Savings .. 123

Chapter 46: Saving For College ...... 124

Chapter 47: Planning for Retirement... 126

Chapter 48: New Car with Increased Payments.... 128

Chapter 49: Saving On Notes You Are Paying On. 131

Chapter 50: One Man's Rent is Another Man's Cash Flow 133

Chapter 51: Increasing the Frequency of Compounding 136

Section XI: Turning a Bad Note Into A Good Note..... 138

Chapter 52: How To Buy A "Bad Note" 139

Chapter 53: Still More Bad Notes To Good Notes-Note Modification.. 142

Chapter 54: One Bad Note to Two Good Notes...... 144

Section XII: Useful Utilities..... 147

Chapter 55: Doubling Your Money...... 148

Chapter 56: What To Do When You Win the Lottery...... 149

Chapter 57: Collecting the Unwritten Late Fee 151

Chapter 58: Important Facts...... 153

Epilogue: The Trouble with IRR...... 154

Appendix #1: Vocabulary of the Cash Flows... 157

Appendix #2: Amortization Schedule.... 162

Appendix #3: A Real Note 171

Appendix #4: Notes On Internal Rate of Return...... 172

Appendix #5: Software You May Need 174

Appendix #6: Things You Should Know...... 178

Bibliography 179

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