# Financial Calculator Buddy Broome Presentation

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5 going to do the first one by the way. So, you get an idea then from there on out, I think it's... I'm going to have you guys do the work. One, because I just don't want to do work, it's really early right now and second because I think that when, when you hear something, you forget it, you see something, you remember when you do something, you understand it. So I think the most that you can get out of this class, I'm not going to sit here and you know, grade what you write down or the work you do, but you'll get the most out of this exercise, these next three hours, if you're actually following along and doing the work with it rather than just sort of sitting here listening to me talk. Okay? And besides, you'd probably get bored with listening to me talk. So, we're going to start right here. Alice is starting her retirement account today. She contributes \$300 a month, uh, able to earn 9%. So, you see this box here? This box is where we enter the interest rate. So, we know that she is an interest rate of 9%. That's what she can earn. This line here represents time, present to future. And so, what we do is we say, okay, what's the timeframe that she's looking for? We don't know. That's what we're trying to figure out how long it's going to take Alice to get from where she is now to her retirement, her retirement goal of \$500,000. So, the way that we show time on this is we just do this, mark this bracket, and we're going to put a question mark right here. Then we say okay, she can make monthly payments of how... what she's starting off with today is nothing. She's got no money in her account. So, we're just going to show that by just putting a zero right here just to show that she's got nothing to start off with. Then she can make monthly payments of \$300 a month. So, the way that we show that on this cashflow diagram, is to have little down arrows going, it should be 300, but that'll be a lot. So, we just show all these little down arrows. And the reason that they are down is because money leaving her pocket, she's investing it. So, as she's investing in, she's losing access to it, so because the money is earning interest, she no longer has the ability to use that same money to go buy groceries or pay rent or anything like that. So, these were all down arrows right here. And then future value. We know that she wants to get \$500,000 in the future. So, we're just going to show one up arrow, \$500,000. Alright. And I apologize in advance for my handwriting is not the best, but... I'll do the best I can here. So, once we have this information... Oh just put a 300 here, once we have this information then we just go down and look at the cashflow diagram right here. So, we started here on the left. We have an end, which is number of months. That's what we're solving for. We see right here, we don't know what that is. So, we're just going to put a question mark here. Interest rate right here. We know that's 9%. That's what she wants to earn. So, we're just going to put a 9 right here. Present value, present value, she's starting off with nothing today. So, her value today, the, excuse me, the value of the present value is zero. So, zero is what we put in for present value. PMTs are payments. It's \$300. Remember it's because the arrows are pointing down, it's \$300 a negative. So, we've got to put this \$300, negative 300. And then future value. We know that when she retired she wants to have \$500,000 in her retirement account. So, we're up to 500,000 there and that will be positive. So now that we have this information entered into our cashflow diagram, we'd go to the calculator and we'd just go left to right and enter that information. So, N we don't know. So, we'll just go in. And by the way you can put it in any order you want. I think it's much easier if you put it in left to right because that way it's easier to remember it. Yeah, I didn't forget this. 5

6 So. N we don't know. That's what we're solving for. So, we're just going to skip to interest rate. Interest rate we knew was 9. Now we got to present value, present value. She's got nothing today, so just put zero in present value. And so, I entered the number first and then I hit the button, it hit PV and once they hit that it's then stored up there and you can see whatever stored on the app, is great. You can't do this on the, on the physical calculator, but on the app, you can see whatever stored in there already. And PMT. We have 300 negative right there. Now 300 negative has been stored in here. Future value. She wants \$500,000 in the future there. And now once we have those for all we have to do is press N and it will tell us the fifth. Yeah, hold on. [00:20:37.04] [Inaudible] Buddy Broome: [00:20:40.19] Yeah... Um, what we can do is... The entire calculator is going to be... Everything is going to be functioning of these five buttons here. That's it. So, everything is there. The only things, like there'll be other things that'll come up, but that's really the only numbers you have to worry about. The only buttons that you have to worry about are these five top things up here. Here are the numbers to enter. So you enter the numbers and that's pretty much it. We're going to keep it very simple, like pretty... [00:21:13.14] [Inaudible] Buddy Broome: [00:21:15.29] Okay. Well, we'll get to that. We're going to be... [Background noise] [Inaudible] Sorry about that. Yeah, I apologize. Everybody who's got a question, make sure, since we're being recorded, we just want to make sure that everything is getting recorded. So, if there's a microphone there. So, we're going to get to clearing the screen and everything like that. So right now, first of all, everybody gets this number? Okay? Okay. Don't worry if you didn't get it. We're going to keep repeating this over and over and over again, so you get to keep practicing this. Um, but here what we can do is just clear the screen. Let's say. Let's say everything has gone, gone to pot. You've, everything's ruined. If you just want to clear the initial functions, just the numbers out, hit this orange button and hit the C button right underneath. So, hit orange and then C. Alright? What's that? [Background Noise] That's how you clear just the numbers. It doesn't clear like the mode or anything like that. If you want to make it so that it goes back to factory default because sometimes you do things where you will change the number of payments per month because right now the factory default is 12 payments per month. If you do that, the way that you get it back to factory default, so just completely ruined the machine, everything's, everything's terrible. You don't know what to do. You do what's called a three-finger salute. So, you press the Help button first and you've got to hold it on there. So, you got hold the Help button, the End button, and the FV button. So, we go here, helped it did, and then it says restart calculator. Reset, there. So that's if everything has gone, has gone kerflooey. But don't worry. I've seen a lot of mistakes. I've made a lot of mistakes. My calculators never blown up yet, so it will not kill you. You, these things are meant to make mistakes on. So now let's turn to the next page. Turn to page eight please. Okay. So, Lorraine, this one now we're going to solve for interest rate. So, the first one we solve for how long? The time frame. Now we're going to solve for interest rate. So, we're trying to figure out what 6

7 the interest rate is. Lorraine lends Michael \$1,000. Michael agrees to pay Lorraine back a lump sum of \$1,100 in 12 months. What is the interest rate on this loan? Okay, first of all, let's just hear from the crowd. Lends \$1,000 and gets \$1,100 in 12 months. What's the interest rate? Was it? 10%? Right? Alright. So, let's just do it anyway. We'll go through the, the, the, the exercise to begin with. So now I need help from the crowd here. So, and um, I guess I'll repeat it to make sure it gets on the uh, on the, on the recording. What is the timeframe that we're looking at here? 12. So did show that. Put a bracket and it put a 12 there. What is the interest rate? It's 10, we know, but we're solving for that, right? Okay. So, so what we put in, we'll put a question mark right up there. So that's a. We don't know what it is even though it's 10% right. Present value is how much? \$1,000. Now is that thousand dollars positive? Let's say it's from um, from Lorraine's perspective, is that positive or negative? Negative. It's negative because she's losing access to it. She's giving the money to Michael. And he's, he gets the access to it. So, she loses the access in return, she gets the interest back on it. So, we show \$1,000 negative, we show a down arrow. We put negative \$1,000. Now what are the payments here? Payment payments are zero. There re no payments being made throughout the throughout the 12 months. So, the way that we show zero payments, we show ticks like this, just to show time passing. And then we have future value. What is the future value from Lorraine's perspective? 1,100 positive or negative? Positive. So, we show that with an up arrow. 1,100. Okay, so now from here we got this information. Now we got to put it in here. So, we go N is 12. That's a number of months. So, I'm going to put 12 in here. Interest rate, we don't know, we see the box, even though we know it's 10, we don't know. Present value 1,000 negative. And put 1,000 negative. Payments... we show that there's no payments being made or received so we're just going to put zero here. Future value is We see this 1100 right here. So, put it right here. Okay, so now that we're doing that, now we're just going to go over to the calculator. Now I'm just going to enter in the numbers from left to right. N we know is What's that? [00:27:19.23] How did you clear? Buddy Broome: [00:27:20.21] Oh, to clear. To clear the calculator. What? I got these microphones on me. Okay. Hit the orange shift button and the C button right underneath. Okay. And that will clear the whole thing out. So, the last thing you had will be gone, but you can keep, you can keep... the numbers stay stored into the calculator from, from thing to thing. So that's what makes the tool really powerful is you can play a lot of what if games, you don't have to repeat it, you don't have to enter all the information. So, say you have a loan of \$1,000 out there and you want to see what the payments are at five percent, six percent, seven percent, you can just keep changing that, that interest rate and the rest of the numbers will say stored in there. But if you want to clear the whole thing out so that you get nothing up here, just hit the Shift and C. And if everything has gone wrong, remember the three fingered salute. So, we got Help... Yes? [00:28:19.19] [Inaudible] Buddy Broome: [00:28:33.28] Correct. Correct. So, so that is the cool thing about the app as opposed to 7

8 the phone. When I have this guy, this is the real calculator. I don't know what stored in these numbers but watch. So, we, we know the 12 is the end. So, we put 12, now I know I can just look back at my calendar and say, okay, 12 is in the N, I don't have to guess, I don't have to remember what I put in there, it's already up there. So, this is a really, really huge advantage of this app that I really like. It allows you to play that what if game and know what all the other variables are in that, in that situation. Um, okay. So, we're going again left to right, N is 12, right here it's entered 12 months. Interest rate, we don't know what that is. That's what we're solving for. So, we're going to skip it. PV. PV is present value from Lorraine's perspective, it's \$1,000 negative. So, we've a 1,000 negative. PMT are the payments. That's nothing. There re no payments being made so we're just going to simply hit zero in payments and FV is future value. Lorraine will get back \$1,100 right there. So, \$1,100. Now... Okay. So, what's the interest rate? What'd you guys get? [Background noise] [Inaudible] No, no, no, no, no, no. You guys are wrong. So, does everybody see that? So, let's see. There's no way. My calculator is definitely right. So why is that? We all knew at the beginning this was going to be 10%, right? Lending out 1,000, getting \$1,100 back. Why is it 9.57? [Inaudible] Who was that? It's a compounding. So, if you're compounding, what if, if compound is happening once, once a year, then it will be 10%. But because compound is happening more frequently, is 12, The factory default for the calculator is 12 times per month. Oh, should be 12, 12 times per year. So that means because the more compounding there is, the less hard the money has to work. Okay. I'm going to repeat that. The more compounding there, is the less hard the money has to work. So, if the money is only compounding one time, this interest rate has to be higher, has to be 10% in order to get \$1,100. And so, but since it's compounding 12 times per year, it's feeding on itself 12 times. The interest rate doesn't have to be so high. It can come down to 9.57 and still get the same net result. So, I just think that's a really important concept that all terms, and compounding is one that sort of just glossed over, you really, really, when you're doing deals, you want to be conscious of how many... every, every deal, every term of the deal you want to be very conscious of. So, compounding is definitely a huge, huge term that can play a big impact on your deals and your returns you get. We have any questions? And by the way, if people right now, if anybody's heads exploding because typically my class is like the first hour is the worst and then by then, by the end of it, they're answering the questions faster than I am. So, don't get discouraged if you're like, I don't understand anything he's saying right now. Okay. Questions? [00:32:23.25] [Inaudible] Alright. Hi, I'm having a problem entering my present value. I put in a thousand present value, um, and it puts in negative 988. Buddy Broome: [00:32:43.17] Good. That's a very good question. So, everybody heard the question was she's entering a thousand and it's not coming out correctly. What... here is the issue. Did you have to make sure it's a negative? So, when you do it, you have to hit... If I put it in a thousand positive, it's going to come up with an error, but I have to hit \$1,000 and then you'll see right over here above the blue shift button, there's a plus minus toggle. 8

9 You had to make sure that you hit that plus minus toggle to make that number of negative. [00:33:23.25] Oh Buddy Broome: [00:33:26.03] No don't hit the minus button. So, there we go. Problem solved. So, once we hit you hit the plus you hit it in the number, hit the plus minus button and then you get negative Yeah. Yes? [00:33:46.29] [Inaudible] Buddy Broome: [00:33:54.29] Yeah go to factory default. It should... [00:33:58.19] [Inaudible] Buddy Broome: [00:34:02.19] Oh Man, I'm not a tech guy. I don't know [Inaudible] I mean it should be the same thing but that's annoying and I've had that happen and typically when I factory reset it, it goes back. [Inaudible] What's that? Help, Help, N, and FV. [Inaudible] Thank God we have people who understand technology here. So, you hit the orange button and the decimal point right here. And if you see underneath the decimal point there's a comma and a decimal point. And that'll switch back and forth between those two views. Okay? But to be honest, even if you have it, it's still the same. It's just kind of annoying to look at. Okay. Do we have any other questions right now? [00:35:16.27] [Inaudible] Buddy Broome: [00:35:30.10] If you get a mortgage, it's compounding 12 times per year. [Inaudible] I don't know if it's the default, I think. I think that's the point. Like it always depends. Typically, if you're going to have monthly payments it's going to be compounding 12 times per year, if you go get a 360 or a 30-year mortgage, with monthly payments, is going to be compounding 12 times per year. [Inaudible] Yeah, exactly. Yeah. This deal is like a handshake deal between two people. So that's what I'm saying, it's important that... because sort of the purpose I think of this class, and you'll see a lot of the people that, that deal with this, is a lot of people that are going be teaching this weekend is our goal is to not deal with banks. I mean ultimately you would be able to do deals where do you don't have to rely on going into a bank and signing, signing the dotted line on a mortgage. You're looking seller financing is really the amazing thing that, that really allows people to go and buy property and do well. And so, when you do that, you can negotiate any terms you want. I mean, you can make it works. I'm saying, Hey, I'm making quarterly payments. If I make quarter, if I negotiate with the person, I'm going to do 9

11 [00:42:13.21] [Inaudible] Buddy Broome: [00:42:27.25] Correct. So, she's getting her money back faster. This example is something that people gloss over a lot, but as investors, you guys have to understand this back in front, this is time value of money. This is time value of money to the core because in this situation she is getting \$91 per month. In the last situation she's getting \$1,100 in one lump sum, but she's got to wait 12 months to get it. So, in this situation, she's getting the \$91 per month right away. So, she, she lends her money in January and in February she's getting \$91, march she's getting \$91, in June she's getting excuse me, April, she's getting \$91. What time value of money ultimately means is the faster you get back money the better because then you have the ability to reinvest that money again to get that working. And so that's what the calculator says. The calculator sees that she's getting that \$91 back faster. And so, since she's getting the \$91, it's assuming that she's kicking that \$91 out the door and earning interest on that \$91 again, and then the next month the \$91 she gets, it assumes she kicks it out the door again and she's earning interest on that \$91 as well until the 12 months are up. Does everybody understand that concept? That is a super, super important concept that if you forget everything I say today, just remember that. All right? Any questions? So, to sum that I would say sometimes the velocity of money is more important than the size of the money. A lot of times that's the truth. So, the velocity of money is more important than the size of the money. Okay. Turn to page 12. Anybody that was here listening to Gerald speak last night on notes? This is notes. And just to sort of sum up, again, if you, if you're going to be buying notes, or selling notes or doing Lonnie Deals or anything like that, you really have to understand the financial calculator because if not you're going into an ax fight without an ax. So really in this example, really sums it up, I think. Okay. Denise is being offered a cash flow stream of \$200 a month for the next 20 years. Denise wants her money to work at 8%, how much would she be willing to pay for that cash flow stream today? Okay, so how do I write this out? What's the timeframe that I'm looking at? 20 years. How many months is 20 years? 240. What is the interest rate? [Pause] For some reason this is not registering. So, it's 8%. So, put 8% up in this box up here. Finally, not tricked by an inanimate object yet today. So, I'm very excited. Uh, so we put 8% up here. What is the present value? We don't know. We don't know what the present value is. Will the present value be positive or negative? Negative. Why will it be negative? Because she has to put the money out. We're trying to figure out how much she would pay; how much Denise would pay in cash money today to get the right... to get a cash flow stream of \$200 per month for the next 20 years. So, we're going to put a down arrow and a question mark. Now we put a down arrow with a question mark. What are the payments? \$200 a month. Are they positive or negative? Positive. Because that's what she's going to get. Denise is giving up cash today to get the right to get a cash flow stream. So, this is buying a note. It's exactly what Gerald was talking about yesterday where you buy a cash flow stream, you buy the right to receive that cash in the future. 11

12 Alright? So, the way we do it, we have a bunch of up arrows, 200, and what is the future value? Zero. [00:47:58.27] So I apologize. I don't know why this is so delayed, oh there we go. And so now that we have that, now we go and enter this information into the calculator table. So, the calculator table, we got 240 is the timeframe. So, we're just going to put 240 into the N. And then interest rate. What is the interest rate? 8. So we just see 8 up here. We're going to put 8 down here. We have the present value. What is the present value here? [Inaudible] Question mark. We don't know. We don't know what the present value is. That is what we are trying to solve because this is exactly that situation where Gerald gets presented a note of whatever it is, \$200 a month for the next 20, 20 years. He's trying to figure out how much he's going to pay cash money today if he wants his money to work at 8%. So, we're going to put a question mark right here. And now... man this thing is delayed... and now payments... payments are how much? 200. And now future value, what is that? I apologize. Hold on one sec. Let me see if I can get this thing figured out because it's just super slow. All right. Future value is zero. And so now that we entered that information, now we're just going to go and enter the information up here into the calculator, so we can just go left to right. What's the timeframe again? 240. And by the way if you make a mistake or you put putting the wrong number, just hit this back arrow and that'll just erase it. So, I just put in and it just brings it back to zero. So, put 240 into the N. Interest rate, what is the interest rate? 8. What's the present value? We don't know. We're going to solve that. So, we're just going to skip it. We're just going to leave a thousand in there for the time being. But we're just going to skip it. What are the payments? 200. What's the future value? Zero. So now that we have those four, all we have to do is solve for present value. Did everybody get this number? Okay. How would the lay person, if the lay person was presented a cash flow stream of \$200 a month for the next 20 years, how would that person value that cash flow stream? [Inaudible] Well, what do you think? How would the person who is just basic four function math, if someone comes up to you on the street and says, listen, I got a payment stream of \$200 a month, I'm receiving \$200 a month for the next 20, for the next 240 months. How much is that worth today in today's dollars? What do you think the lay person would do? [00:51:26.28] [Inaudible] Buddy Broome: [00:51:33.04] Okay, can you get the microphone up to him? No problem. [00:51:40.05] [Inaudible] Buddy Broome: [00:51:44.18] So did everybody understand that? Typically, when people look at that, they say "Oh, you just add all the numbers together and that's a total value of that note." All right. What is the major, major, major flaw with that rationale [Inaudible] Alright, 12

13 don't understand the time value of money. That was the answer. So, the time value of money means that a payment today, a dollar today is more valuable than a dollar tomorrow and is much more valuable than a dollar 20 years from now. So, you cannot go and simply add \$200 per month together and treat the, the, the \$200 per month this month, the same as a \$200 that you're going to receive in 20 years because they are completely different \$200. They have nothing to do with it. And if you don't believe me, I'll, I'll make you an offer. Who here, who here in the room will be willing to lend me a thousand dollars today and I promise, and I'll give you collateral, I'll pay you back a thousand dollars in 50 years. [Laughter] Everybody laughs at that right? There's got to be somebody please. Anyway, so why is that? Because that thousand dollars today is much more valuable than a thousand dollars in 50 years. And the reason it's more valuable is because I can take that thousand dollars and invest it and earn interest on that thousand dollars. I give you back the thousand dollars in 30 years and 50 years, I kept all that interest so that means you get none of that interest that I'm going to get to keep because you rented me your thousand dollars. Okay? So that's really the thing to understand is, this time value of money when you're looking at cashflow streams, every month is different. The month from January to February, those are totally different dollar values. So, you must understand that concept to really... when you're, when you're looking at investing in notes... is if you're not, like I said, it's, it's going to be... You're not going to get the maximum deal that you're able to get. And sometimes you might actually get, get beat up a little bit. Are there any follow up questions from that? Alright, cool. Turn to the next page. Edward finds a mortgage note that does not have any monthly payments. But instead, has one balloon payment of \$100,000 in 15 years. Edward wants any money that he invested to earn interest at a rate of 12 percent. How much is Edward willing to pay to get a 12 percent return? Alright, once again, \$100,000 in 15 years. What's the lay person say that that note is worth today? \$100,000. The average person, if you guys went out in the hotel lobby, and started asking, I got \$100,000 due 15 years. How much is that worth today? They'd say \$100,000 because they just, there's no other, there's no other number they come up with. That's it. So that's what it says. So, we're going to find out what it, what it is today. So, we're going to go, what's the timeframe we're dealing with here? 180 months. Fifteen years. 180 months. So, I'm going to put 180 here. What's the interest rate? 12, put 12 up here. What's the present value? We don't know. That's what we're trying to figure out how much Edward will pay to get that money. So, what do we know it is? Is it positive or negative? Negative. We know it's going to be negative because he's going to lose access to that cash during that timeframe. So just put a question mark there. What's the payments? Zero payments. So, we're just going to mark off payments with time just with ticks just to fill up the time. What's the future value? 100,000. So, in 15 years he's going to get one lump sum payment of 100,000. Okay? So now that we've got that, we're just going to go down the line and enter this in. N is 180. What do I put into the interest rate? 12. Present value. What do I put? I put nothing. So, I'm just going to skip it. I'll put a question mark. Payments? What do I put? Zero. Future value? 100,000. Alright, so now that we've got that, go to the calculator and 13

14 I just cleared out just for simplicity here. So now I'll go left to right, to clear shift C and then we have, we'll go left to right, I'll put 180 into the N. What do I put in the interest rate? 12. What do I put in present value? Skip it. I just skip it. I'll leave it blank. What do I put in payments? Zero. What do I put in future value? 100,000. Yup. Alright. So, who would have thought this? Who would have thought if I said "Hey, I'll give you \$100,000 in 15 years" that would, if you're looking to get your money to work at 12 percent interest, you got to buy that lump sum payment at \$16,000 today. Alright. Like I said, if you went out to the, to the person out in the lobby and said "Hey, what do you think about this? You've got \$100,000 coming to you, I'll give you a \$16,000." How many people would believe that that's the number? Not very many. So, it's really, really important to understand the calculator and how time value of money works because that \$100,000 in 15 years is actually worth \$16,000 today day if you want your money to work at 12 percent interest. Got that? All right, cool. Turn to page 15. Okay. Do we have any hard money lenders in the crowd here? We have somebody. All right, we got, we got one back. Are there people that deal with hard money lenders? I'm sure in this crowd. So. Alright. So, we've got Mark is a hard money lender. He lends a \$150,000 with interest only payments for the next six months at 12 percent interest. How much are the monthly payments that Mark receives every month? Alright. So how do we, how do we do this here? What's the timeframe I'm looking at? Six. What's the interest rate? 12. What's present value? Minus \$150,000. What are the payments? We don't know. So, so we're looking at it from, from Mark's perspective, we'll just put arrows here showing that he's receiving payments. What's feature value? \$150,000 because it's an interest only loan. He's giving out his principle. \$150,000, he's is getting the full \$150,000 back at the end of the term of the loan. So. So there's no amortization. That means there's no pay down to principal during the term of this loan. Whatever he lends is what he receives back. Okay? So, I'm just going to go down the line. Six. I'm going to put that into the N. Interest rate. Put that in 12. Present value is negative 150,000. Payments. What are the payments? That's what we're solving for. So, we're just going to put a question mark. What's the future value? \$150,000. All right, so we got that. So now I'm going to go left to right and just enter the information here. Uh, N, what I put into N? Six. What's the interest rate? What do I put in? 12. Present value? \$150,000 negative. Payments, I'm going to skip. Future value, what do I put? \$150,000. Now that I know these four, I can solve for the fifth So that means if you're getting a hard money loan or you're doing a hard money interest only loan or any interest only loan, the principal and the future value will be equal. The present value and future value will be equal. This is literally the epitome of renting money. It's the exact same as renting money because you're getting... This is your rent. You're literally paying \$1,500 in rent just to have the use of that \$150,000. All right, now here's a question. What happens if we make this loan longer? Let's say we make it a six month... Let's say let's make it a 24-month loan, 24 months, a long loan. How does that affect the monthly payments? Doesn't do anything to the monthly payment. So, this is, and this is a big difference, we're going to talk a little bit later about amortizing loans. 14

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