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Run your Business, Run your Life,
From wherever you are -Right Now-
Using your Palm-Powered Smartphone
Editor & Publisher: Robert Lett
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This newsletter will give you tips and hints on using your handheld Smartphone in place of your PC or laptop.
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Issue: 21
01 May 2005

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Real Estate Professional III.
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CALCULATING YOUR POTENTIAL CASH FLOW
When I go out to inspect potential real estate investments, I enter all the notes for that particular property under that property's name and address. Later at the hotel or on the spot, I can run the numbers with my HP-12C calculator (see below), and know if I'm looking at a positive or negative cash flow. Of course, you will want to take in the consideration of the potential appreciation for that area. Some negative cash flows are worth having if you will make your gain in appreciation. Sometimes a small negative can be welcome in the face of a large appreciation factor for an area. When I get back home, there is no confusion about which property had what features and cash flow. Another program that helps you compare properties is TriLoan, (see below), to see which property is the best investment. This program allows you to set four different loans or properties side-by-side for easy comparison. All in the palm of your hand.


REAL ESTATE CALCULATIONS
KK-12C, by KK Technologies Co., Ltd., is a great program that emulates the HP-12C calculator. It even looks like the calculator on the Palm screen. If you are currently using the HP-12C, then you won't need to learn anything about this program; you'll already know how to operate it.
The HP-12C is one of the most popular RPN (Reverse Polish Notation) financial calculators ever made - it's been out for a long time and is still popular mainly in the Real Estate arena. I like the fact that I always have it with me wherever I go. There are quite a few options on the KK-12C that the normal calculator doesn't offer. One nice feature is that all registers can be saved at any time with unlimited sessions. This is nice for viewing later.


THREE OUT OF FOUR LOANS
TriLoan, by John Coogan, can be found at http://www.triloan.net/tl.htm. This program allows you to compare up to four loans at the same time. All you have to do is enter the loan amount, terms and rate, and the program does the rest.
If you're looking at more than one property or loan, you can compare up to four on your Palm-Pilot screen. This is great for field work-there's no need to write the figures down and not know if any of them are even a good deal until you can get to a PC.
The program allows you to save all properties under the name you give them, and look at where you are in the amortization table at any time. There are over 200 other options to calculate your investments down to the penny. These include viewing your equity, loan-to-value, expected rent, payoff, net operating income, cash flow and more.
Both of the above programs can be used for any loan calculations, I'm just giving examples on mortgage loans.


Find anything in your portfolio in seconds, anywhere - anytime, send an email with "ebook" in the subject to receive a free version of the ebook at: ebook@robertlett.com

Find anything in your portfolio in seconds, anywhere - anytime, send an email with "ebook" in the subject to receive a free version of the ebook at: ebook@robertlett.com

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