This document provides an overview and instructions for using the HP 12c financial calculator for real estate financial modeling. It covers topics like financial registers, simple and compound interest, net present value, internal rate of return, annual percentage rates, mortgage pricing, and how to get certified in HP 12c calculator skills for real estate financial modeling. The certification test costs $29, takes 30 minutes and covers both basic and advanced functions of the calculator.
In this presentation, you will learn:
1. How to choose the right crowdfunding site among 100′s of sites
2. What successful crowdfunding sponsors are doing that most aren’t
3. How to position your deal on a crowdfunding site
4. What types of things do you need on your crowdfunding site
5. How to get investors to interact with your crowdfunding site
6. The single most important thing a successful site must have.
A Guide to Buying and Selling a Vacation Rental Management CompanyAmy Hinote
When selling your vacation rental management company, how do you know if the deal is the right one for your exit strategy? Ben Edward's session navigates you through this process and shows a vacation rental manager ways to avoid common pitfalls.
Vacation Rental Income Statements "How-To" Ben Edwards, Weatherby Consulting Amy Hinote
Income statement fundamentals for vacation rental managers and short term rental companies. Presented by Ben Edwards, President of Weatherby Consulting and President of the Vacation Rental Managers Associaion
Vacation rental management budgeting and financial management 401Amy Hinote
Budgeting and managing finances for vacation rental managers: An in-depth four hour boot camp incorporating more hands-on knowledge of how to manage the financial landscape and use budgeting as a foundational tool to grow the business and meet future goals.
Financial Management & Budgeting for Vacation Rental Companies by Ben Edwards, President Weatherby Consulting. Includes info about cash flow, income statements, reporting, revenue projections, and accounting.
In this presentation, you will learn:
1. How to choose the right crowdfunding site among 100′s of sites
2. What successful crowdfunding sponsors are doing that most aren’t
3. How to position your deal on a crowdfunding site
4. What types of things do you need on your crowdfunding site
5. How to get investors to interact with your crowdfunding site
6. The single most important thing a successful site must have.
A Guide to Buying and Selling a Vacation Rental Management CompanyAmy Hinote
When selling your vacation rental management company, how do you know if the deal is the right one for your exit strategy? Ben Edward's session navigates you through this process and shows a vacation rental manager ways to avoid common pitfalls.
Vacation Rental Income Statements "How-To" Ben Edwards, Weatherby Consulting Amy Hinote
Income statement fundamentals for vacation rental managers and short term rental companies. Presented by Ben Edwards, President of Weatherby Consulting and President of the Vacation Rental Managers Associaion
Vacation rental management budgeting and financial management 401Amy Hinote
Budgeting and managing finances for vacation rental managers: An in-depth four hour boot camp incorporating more hands-on knowledge of how to manage the financial landscape and use budgeting as a foundational tool to grow the business and meet future goals.
Financial Management & Budgeting for Vacation Rental Companies by Ben Edwards, President Weatherby Consulting. Includes info about cash flow, income statements, reporting, revenue projections, and accounting.
Back to Basics: Financial Fundamentals for StartupsIntelligent_ly
Back to Basics: Financial Fundamentals for Startups taught by Dan Allred from Silicon Valley Bank at Intelligent.ly in Boston. This deck covers basic accounting principles, income statements, balance sheets, cash flow, company financial statements and more.
We know you’re a genius. You’re building a phenomenal company, one that may change the world, but you never took or don’t remember what you learned in that Accounting Class.
Often entrepreneurs drown in paperwork and receipts as they try to flush our their business plan. It’s important to keep your books straight from the beginning and keep track of the most important thing: the money. In this hands on workshop, we will take you back to basics, covering the fundamental metrics and financial accounting principles that will make or break your startup.
Expert:
Dan Allred – Silicon Valley Bank
www.thecapitalnetwork.org
Financial Models are one of the things that entrepreneurs need to build for their businesses. This presentation gives a clear idea about how to put a financial model together.
Interviewing the Chief Financial Officer, CFO AssessmentShane Phillips
The guide for interviewing the Chief Financial Officer. A complete overview of the areas that should be looked at during an initial interview of the CFO position.
Financial Basics for Startups: How to Think Like a CFOSecureDocs
Complete slides from the December 9, 2014 webinar: Financial Basics for Startups: How to Think Like a CFO. Reviews top accounting apps for startups and small businesses as well as the benefits of outsourced controllers.
The NOI/Property Value ratio is also known as the overall capitalization rate, which tests the assumption for the appreciation of the property. The only difference between this ratio and the Capitalization Rate shown on a planEASe Income Statement is that the Cap Rate uses the original purchase price, and the NOI/Property Value uses the sale value at the end of the year that the NOI/Property Value ratio is calculating.
Back to Basics: Financial Fundamentals for StartupsIntelligent_ly
Back to Basics: Financial Fundamentals for Startups taught by Dan Allred from Silicon Valley Bank at Intelligent.ly in Boston. This deck covers basic accounting principles, income statements, balance sheets, cash flow, company financial statements and more.
We know you’re a genius. You’re building a phenomenal company, one that may change the world, but you never took or don’t remember what you learned in that Accounting Class.
Often entrepreneurs drown in paperwork and receipts as they try to flush our their business plan. It’s important to keep your books straight from the beginning and keep track of the most important thing: the money. In this hands on workshop, we will take you back to basics, covering the fundamental metrics and financial accounting principles that will make or break your startup.
Expert:
Dan Allred – Silicon Valley Bank
www.thecapitalnetwork.org
Financial Models are one of the things that entrepreneurs need to build for their businesses. This presentation gives a clear idea about how to put a financial model together.
Interviewing the Chief Financial Officer, CFO AssessmentShane Phillips
The guide for interviewing the Chief Financial Officer. A complete overview of the areas that should be looked at during an initial interview of the CFO position.
Financial Basics for Startups: How to Think Like a CFOSecureDocs
Complete slides from the December 9, 2014 webinar: Financial Basics for Startups: How to Think Like a CFO. Reviews top accounting apps for startups and small businesses as well as the benefits of outsourced controllers.
The NOI/Property Value ratio is also known as the overall capitalization rate, which tests the assumption for the appreciation of the property. The only difference between this ratio and the Capitalization Rate shown on a planEASe Income Statement is that the Cap Rate uses the original purchase price, and the NOI/Property Value uses the sale value at the end of the year that the NOI/Property Value ratio is calculating.
Customer Value and What Things are Worth (DIT Product Mgmt)Rich Mironov
From my Feb 2014 class time in Dublin Institute of Technology's product management certificate program: a module on quantifying customer value (esp B2B) and how to price software/technology solutions. In-class exercises removed.
STR 581 Capstone Final Examination Part 2 @Assignment E HelpAssignment E Help
Take a look over Assignment e Help for STR 581 Capstone Final Examination, Part Two and get a chance to secure your future. More Included str 581 capstone exam part 2, str 581 week 4 capstone final exam part 2, str 581 capstone final examination part 2 answers.
Visit for more help : http://www.assignmentehelp.com/University-of-phoenix/STR-581-Capstone-Final-Examination-Part-Two-Latest.html
Why Knowing Profitability Is the Key to Success at Your InstitutionBaker Hill
Most financial institutions don’t understand that the majority of their relationships are not profitable. This results in poor strategic planning especially when dealing with issues with the balance sheet. Senior Management has to understand and deal with different types of risk, along with income statement stagnation in these times of rising interest rates.
Shared at ProductCamp Austin 24. Here's my six steps to build a great financial model for a startup, one that you can proudly share with Venture Capital and Angel investors, and one that can help you know your business.
Client Profitability: Analysis to ActionPerformLaw
This informative presentation will cover the following:
- The most reliable methods for computing client profitability
- The more common methods for allocating direct and indirect costs
- The various uses of client profitability data in compensation, client pricing, overhead control, recruiting and other significant functions of the firm.
-The pitfalls to avoid and methods to overcome partner fears about calculating client profitability for the first time.
Proposal Template For Payroll Services PowerPoint Presentation SlidesSlideTeam
If your company needs to submit a Proposal Template For Payroll Services PowerPoint Presentation Slides look no further. Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. http://bit.ly/32bWZlR
Using Real-Time Financial Benchmarks to Drive Dynamic Decision-Making and Act...Niels Pflaeging
Slides for the Proformative webinar
"Using Real-Time Financial Benchmarks to Drive Dynamic Decision-Making and Action"
by Niels Pflaeging, BetaCodex Network
Our experts have just finished putting the finishing touches on our highly anticipated 2021 search advertising industry benchmarks, which includes real data from 20 of the top industries.
With data straight from Google and Microsoft, you'll be able to find out where you stand against your direct competitors in the most critical performance metrics including:
- Average cost per click
- Average click-through rate
- Average cost per lead
- Average conversion rate
Learn how to qualify an investment property, deliberate whether or not to rent or sell, and hack your way into real estate financing in Onerent Owner Investment Network Event 1.
Learn more on how your can save thousands on property management at www.onerent.co/landlords
North America Mortgage Banking 2020: Convergent Disruption in the Credit Indu...accenture
To further compound lenders’ challenges to rebuild growth, profitability and efficiency following the recent credit crisis, convergent disruption is leading to a structural change in the industry; multiple disruptive forces are converging, creating an increasingly complex and highly dynamic future environment. Accenture examines the building blocks and roadmap to success in 2020.
Topics discussed by Dr. Peter Linneman:
- Does it all come to an end if interest rates rise?
- Is a recession just around the corner? What warning signs should we look for?
- What does the new Administration and Congress mean for real estate and the economy?
- Audience questions
- And more!
We solve real estate financial analysis problems for our clients. With REFM on your side, you can achieve clarity of vision, make smart decisions and present them confidently to your stakeholders. REFM’s expertise in Excel-based modeling for commercial real estate is unmatched. In addition, consulting is offered using REFM’s proprietary Valuate platform.
In this free 30-minute session, we will answer the question: how does a real estate developer know what to pay for a piece of developable land? Participants will learn the basics of real estate development residual land valuation for both income-producing assets and unit sales assets, as well as the principles of valuation through comparable sales (comps). Participants follow along in Excel in real time and perform exercises to ensure they are grasping the lesson and are mastering the technical skills being taught. Participants are able to ask their questions in real time to have them answered by the Instructor on a rolling basis.
Executive Directors Chat Leveraging AI for Diversity, Equity, and InclusionTechSoup
Let’s explore the intersection of technology and equity in the final session of our DEI series. Discover how AI tools, like ChatGPT, can be used to support and enhance your nonprofit's DEI initiatives. Participants will gain insights into practical AI applications and get tips for leveraging technology to advance their DEI goals.
This slide is special for master students (MIBS & MIFB) in UUM. Also useful for readers who are interested in the topic of contemporary Islamic banking.
Acetabularia Information For Class 9 .docxvaibhavrinwa19
Acetabularia acetabulum is a single-celled green alga that in its vegetative state is morphologically differentiated into a basal rhizoid and an axially elongated stalk, which bears whorls of branching hairs. The single diploid nucleus resides in the rhizoid.
Unit 8 - Information and Communication Technology (Paper I).pdfThiyagu K
This slides describes the basic concepts of ICT, basics of Email, Emerging Technology and Digital Initiatives in Education. This presentations aligns with the UGC Paper I syllabus.
Delivering Micro-Credentials in Technical and Vocational Education and TrainingAG2 Design
Explore how micro-credentials are transforming Technical and Vocational Education and Training (TVET) with this comprehensive slide deck. Discover what micro-credentials are, their importance in TVET, the advantages they offer, and the insights from industry experts. Additionally, learn about the top software applications available for creating and managing micro-credentials. This presentation also includes valuable resources and a discussion on the future of these specialised certifications.
For more detailed information on delivering micro-credentials in TVET, visit this https://tvettrainer.com/delivering-micro-credentials-in-tvet/
Introduction to AI for Nonprofits with Tapp NetworkTechSoup
Dive into the world of AI! Experts Jon Hill and Tareq Monaur will guide you through AI's role in enhancing nonprofit websites and basic marketing strategies, making it easy to understand and apply.
Exploiting Artificial Intelligence for Empowering Researchers and Faculty, In...Dr. Vinod Kumar Kanvaria
Exploiting Artificial Intelligence for Empowering Researchers and Faculty,
International FDP on Fundamentals of Research in Social Sciences
at Integral University, Lucknow, 06.06.2024
By Dr. Vinod Kumar Kanvaria
3. REFM HP 12c Calculator Skills Certification
CLICK TO EDIT MASTER TITLE STYLE
• Only $29.00
• Available online 24/7/365
• 15 questions in 30 minutes
• Instant Results, Instant Resume Builder!
• The test covers a few additional advanced topics, so
you should download our Free Self‐Study Guide to
prepare
www.GetREFM.com 3
4. HP 12c Overview
• Market Standard since 1981 in:
• Real Estate
• TO EDIT
CLICK Finance MASTER TITLE STYLE
• Design standard
• Most of the keys are multi‐function
• The key functions are color‐coded (white, orange,
blue)
• A “reverse” keying order is used, and is a little
strange at first
• Negative values reported can be confusing
www.GetREFM.com 4
5. Today’s Agenda
1. Financial Registers
2. Simple and Compound Interest
CLICK TO EDIT MASTER TITLE STYLE
3. Periodic and Annual Interest Rates
4. Nominal and Effective Interest Rate Conversion
5. Present Value (PV) and Future Value (FV)
6. Net Present Value (NPV)
7. Internal Rate of Return (IRR)
8. Loan APR with Fees
9. Mortgage Pricing
www.GetREFM.com 5
7. Color‐Coded Formatting Used In Our Materials
CLICK TO EDIT MASTER TITLE STYLE
• [n] or [X] or [100] = the white default key values
• [f][NPV] = orange values associated with the keys
• [g][END] = blue values associated with the keys
www.GetREFM.com 7
8. Financial Registers
• What they are:
• Dedicated places in the calculator’s
memory to store data values for use in an
CLICK TO EDIT MASTER TITLE STYLE
ongoing calculation
• Financial Registers are a subset of the
calculator’s overall Storage Registers
• Application:
• Recalling values during lengthy calculations
www.GetREFM.com 8
10. Simple Interest on a 360‐ or 365‐Day Basis
• What it is:
• Interest that is calculated in each period off
the beginning of period account balance,
CLICK TO EDIT MASTER TITLE STYLE
where the account balance does not include
any interest earned
• 360‐day basis is the default with the 12c
• Application:
• To calculate how much interest is being
earned by a lender over a specific time
period
www.GetREFM.com 10
13. Compound Interest
• What it is:
• Interest that is calculated in each period off
the beginning of period account balance,
CLICK TO EDIT MASTER TITLE STYLE
where the account balance does include any
unpaid interest earned
• Application:
• To calculate how much interest is being
earned by a lender over a specific time
period, where interest compounds monthly,
quarterly, or annually
www.GetREFM.com 13
18. Periodic and Annual Interest Rates
• What it is:
• The rate of interest on a loan expressed
either annually or in another interval that is
CLICK TO EDIT MASTER TITLE STYLE
more frequent than annually (e.g., monthly)
• Application:
• To back solve for what interest rate is
needed, given a frequency of compounding,
to produce a future value of a given
investment amount
www.GetREFM.com 18
21. Nominal Rate to Effective Rate Conversion
• What it is:
• The annual interest rate in name e.g., “an
8% annual interest rate”
CLICK TO EDIT MASTER TITLE STYLE
• When interest compounds, nominal rate <
effective rate
• Application:
• To find out what rate of annual interest one
is truly paying on a compounding loan
www.GetREFM.com 21
24. Effective Rate to Nominal Rate Conversion
• What it is:
• Annual interest rate in name, e.g., “an 8%
annual interest rate” is the nominal rate
CLICK TO EDIT MASTER TITLE STYLE
• When there is compounding, the effective
rate is the actual cost
• Nominal rate < effective rate
• Application:
• To find out what rate of nominal annual
interest one is paying on a compounding
loan
www.GetREFM.com 24
27. Weighted Average Calculation
• What it is:
• The average of a series of values in which
each quantity to be averaged is assigned a
CLICK TO EDIT MASTER TITLE STYLE
weight
• Application:
• To find out the average price paid per lot for
land to be developed into a housing
subdivision
www.GetREFM.com 27
31. Discounting Cash Flows: Net Present Value/IRR
• What it is:
• NPV: The net value, in today’s dollars, of an
investment opportunity
CLICK TO EDIT MASTER TITLE STYLE
• IRR: the average annual return on the
investment as measured through the final
cash flow
• Applications:
• To value the acquisition of an existing
income‐producing office building or retail
plaza; To determine investment performance
www.GetREFM.com 31
36. Annual Percentage Rate Calculations with Fees
• What it is:
• APR is the calculated rate for a mortgage that
CLICK TO EDIT MASTER TITLE STYLE
accounts for the cash fees paid by the
borrower
• Application:
• Calculate exactly what a loan is costing a
borrower on an annual basis
www.GetREFM.com 36
40. Mortgage Acquisition Pricing
• What it is:
• Mortgages that are sold instead of held by
CLICK TO EDIT MASTER TITLE STYLE
the issuer are typically done so either at a
discount or a premium to the remaining
principal balance
• Application:
• Calculate a mortgage purchase price given a
targeted (desired) yield amount
www.GetREFM.com 40
43. Mortgage Acquisition Yield
• What it is:
• Mortgages that are sold instead of held by
CLICK TO EDIT MASTER TITLE STYLE
the issuer are typically done so either at a
discount or a premium to the remaining
principal balance
• Application:
• Calculate an expected yield amount for a
targeted mortgage purchase price
www.GetREFM.com 43
46. REFM HP 12c Calculator Skills Certification
CLICK TO EDIT MASTER TITLE STYLE
• Only $29.00
• Available online 24/7/365
• 15 questions in 30 minutes
• Instant Results, Instant Resume Builder!
• The test covers a few additional advanced topics, so
you should download our Free Self‐Study Guide to
prepare
www.GetREFM.com 46