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Calculator Secrets

 Beginning, Intermediate and Advanced

Calculator Skills for the Astute Real Estate and Note Professional


Produced by Secrets of Paper - the Definitive Source for Note Business Education


Written by Jeffrey R. Armstrong – President/Owner of Armstrong Capital

Your favorite Master Note Buyer – Straightforward, Honest, Fair…

When you order this month you will pay the

special price of only $77.00 (regularly $97)!

Order your copy TODAY! **

"Before I bought your calculator book I was having trouble with anything other than fully amortized notes. Now I am able to calculate all different kinds of notes! The repetition and real worksheets were extremely helpful. Thanks Jeff for another great Note Industry tool!" ~ D. Jarege, CA


"...there is NO WAY I would be able to calculate the numbers for these notes on the worksheet if it wasn't for your calculator book! Out of the 7 note worksheets I submitted, 4 needed calculations I learned in your book! No deals for me if it wasn't for you.  If someone is interested in getting in the note business, learning the calculator is STEP ONE! 'Calculator Secrets' showed me what I needed to know about the numbers." ~ L. Eck, CA

This book is written for cash flow consultants, note brokers, note buyers, note investors, real estate agents, real estate brokers, mortgage brokers, private lenders, hard money lenders and any person who has ever been confused by note, mortgage and loan calculations that want to learn how to use the HP 10B II calculator for their business.  There are other calculators out there that can calculate the same things we are going to learn how to do but I have found the HP 10B II calculator to be the simplest of them all.

Most people hear the word calculator and immediately get the feeling that they can’t be in the note business because they do not know how to use one.  The simple fact is that the calculator that we use and the things we need to do with the calculator are very simple.  When we use the HP 10B II calculator we are usually only using five of the forty buttons that is on it.  Repeat after me, “the calculator is my friend, the calculator is my friend, the calculator is my friend…”  J   

Whether you have never used a calculator before or if you use a different calculator Calculator Secrets will walk you through the process of calculating the term, payment amount, remaining balance, balloon amount, interest rate, yield and much, much more.  You will work through Beginning, Intermediate and finally Advanced calculations by following a simple step by step process and each new thing you learn will be followed by actual worksheets of real life transactions for you to practice on (and we may have the answers for you also).  By the time you are finished with this book you will be a calculator wizard! J

TWITA! (That’s What I’m Talking About!)

Jeff Armstrong

When you order this month you will pay the

special price of only $77.00 (regularly $97)!

Order your copy TODAY! **

In the book itself there are Beginning and Intermediate sections where we have identified 14 types of notes as well as situations you may run across while working your business.  Then in the Advanced section we work on calculations for the investor minded and those who like a challenge.

Just look at the Table of Contents:

    Introduction __________________________________________________________________ 5

Calculator Basics

    The Very Basics______________________________________________________ 6

    Setting Up the HP 10BII Calculator______________________________________ 8

    Time Value of Money_________________________________________________ 9

    Using Your Calculator_________________________________________________ 13

    First Practice Example_________________________________________________ 15

Beginning Calculations

    Beginning Calculations________________________________________________ 21

    Fully Amortized Notes_________________________________________________ 23

    0% Interest Notes_____________________________________________________ 35

    Low Interest Rate Notes________________________________________________ 47

    High Interest Rate Notes_______________________________________________ 59

    Very Long Term Notes_________________________________________________ 71

    Very Short Term Notes_________________________________________________ 83

    0% Down Notes_______________________________________________________ 95

    Low Down Payment Notes_____________________________________________ 107

Intermediate Calculations

    Intermediate Calculations______________________________________________ 119

    Wrap Around Notes___________________________________________________ 121

    Interest Only Notes____________________________________________________ 133

    Even Payment Notes___________________________________________________ 145

    Balloon Notes________________________________________________________ 157

    Payment & Interest Rate but no Term Notes_______________________________ 169

    Payment & Term but no Interest Rate Notes_______________________________ 175

    Term & Interest Rate but no Payment Notes_______________________________ 181

    No Payments with Balloon at End Notes__________________________________ 187

Advanced Calculations

    Advanced Calculations________________________________________________ 193

    Straight Partial_______________________________________________________ 195

    Remainder Calculations_______________________________________________ 201

    Partial Early Payoff Example___________________________________________ 207

    Split Balloon________________________________________________________ 213

    Split Payments ¼, ½ __________________________________________________ 219

    ½. 1/3, ¼ of Remaining Payments and Corresponding Yields________________ 223

    Quick Cash 24 Payments for 10x Payment Amount_________________________ 229

    Borrow Money to Buy Notes & Split Profits_______________________________ 235

    Leveraging – Partial vs. Full____________________________________________ 241

    Pricing – Yield vs. Minimum Discount vs. ¢ on the $ vs. ITV_________________ 247

Conclusion ___________________________________________________________255

    Appendix A – “Schedule B”____________________________________________ 257

That's not a typo there are actually 265 pages in this book. You probably will not be reading through it but using your calculator as you practice and write down (on worksheets provided in the book) your calculations in each section.


When you order this month you will pay the

special price of only $77.00 (regularly $97)!

Order your copy TODAY! **

** Keep in mind that the book illustrates calculator use with an HP 10B II calculator yet the concepts and calculations will work on other financial calculators as well. You can order your HP 10B II through or find them at most office supply stores (and yes, there is an App for the 10B II calculator as well)! 

Since 1991 Jeff has consistently and proficiently delivered exceptional service to note sellers and note brokers alike.  As a practitioner and educator in the note industry, Jeff is well respected for his straightforward, honest and fair approach. Through profound personal experience, inspired vision and dedication he has positioned himself as a true leader in the industry. Jeff is a Master Note Buyer, a licensed California Real Estate Broker, a visiting instructor and a recognized and requested national speaker. With his extensive practical hands on knowledge, his motivating and inspirational style, as well as his step by step guidance his Secrets of Paper workshops and products are top rated and some of the most sought after note educational tools in the country.

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Last edited:  12/01/15 06:41:00 PM