Related Manuals for Calculated Industries 3423
Summary of Contents for Calculated Industries 3423
- Page 1 ANADIAN UALIFIER ® ADVANCED REAL ESTATE FINANCE CALCULATOR with CASH FLOW and BUILT-IN CANADIAN INTEREST MODE Model 3423...
- Page 2 It’s the most complete and intuitive calculator of its kind. With the push of a few buttons, it will instantly pre-qualify prospective buyers, find monthly...
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Page 3: Table Of Contents
KEY DEFINITIONS ...1 Basic Operation Keys ...1 Mortgage/Time-Value-of-Money Keys...2 Qualifying Keys ...5 Cash Flow Keys ...8 U.S. Keys (Used in U.S. Mode) ...9 CALCULATOR SETTINGS ...10 Decimal Place Selection ...10 Canadian/U.S. Mode ...11 Preference Settings ...12 MEMORY ...14 Accumulative Memory ...14 Memory Storage Keys (M0-M5)...15... - Page 4 Total Payment (Including Heating Expense and Property Tax Entered as Percentage)...28 Total Payment (Including Heating Expense and Property Tax Entered as Dollar Amount) ...28 Finding Mortgage Amount (Including Canadian Mortgage Insurance) ...29 Finding Monthly Mortgage (P&I) Payment (Including Canadian Mortgage Insurance)...30 Amortization and Remaining Balance...30 Notes on Amortization...30 Total Principal and Interest for a 25-Year Mortgage ...32...
- Page 5 CASH FLOW EXAMPLES ...51 Calculating IRR, NPV, and NFV for Annual Cash Flows ...53 Calculating IRR, NPV, and NFV for Monthly Cash Flows ...54 Recalling and Replacing Cash Flows ...55 Recalling and Replacing Cash Flow Frequencies ...55 EXAMPLES — U.S. MODE ...56 Finding the Monthly Mortgage Payment (Based on U.S.
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Page 6: Getting Started
Basic Operation Keys Turns all power off. The memory and most financial registers are cleared. If calculator is off, turns power on. If calculator is on, a single press clears the last entry while a second press in succession clears non-permanent entries. -
Page 7: Mortgage/Time-Value-Of-Money Keys
s – Change Sign (+/-) — Changes the sign of the dis- played value from positive to negative or vice versa. Clear All — Clears all entered values and returns any stored values to their default settings. Use this only with caution, as it will reset ratios, payments per year, decimal places, etc. - Page 8 P&I and Total Payment — Multi-function payment key. Enters or solves for the Periodic Principal and Interest (P&I) payment. In Canadian Mode, a sec- ond press of the p key calculates the Total Payment (includes monthly property tax, insurance, heating expense, and other applicable housing expenses, such as condo fees).
- Page 9 Loan-to-Value (LTV) — Calculates the Loan-to- Value percent when a Down Payment and Sales Price, Mortgage Amount/Down Payment, or Mortgage Amount/Sales Price are entered. Also cal- culates the above dollar values if an LTV percent and one of the above values are entered (e.g., entered Sales Price and LTV percent will calculate Down Payment and Mortgage Amount).
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Page 10: Qualifying Keys
Month Offset — Used to set the first month of pay- ment if other than January (e.g., Month 3). Odd-Days Interest (ODI) — Calculates the pre-paid interest, or simple interest accumulated (based on a 360-day year) during the days before the first mort- gage payment is made, using the interest rate stored in the Interest register. - Page 11 This is useful to show clients what size loan they could qualify for if they paid off debt or increased income. Here, the calculator will display the loan amount with “UNR” (for unrestricted) and “INC” (based on income).
- Page 12 2nd press calculates the buyer's actual ratios. Note on U.S. Qualifying: If the calculator is in Canadian Mode (see page 11) and you want to qualify in U.S. Mode , activate U.S. Mode via s + and enter new U.S.
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Page 13: Cash Flow Keys
Property Tax — Used for calculating PITI and Total (PITH) payment, and Qualifying. Stores estimated annual property tax in either percent or dollar amount. If entered as an annual dollar amount, a press of t converts to the monthly tax amount, and pressing t again converts to the annual percent rate. -
Page 14: Keys (Used In U.s. Mode)
Clear Cash Flows (Clear CF) — Deletes all cash flows. Use this before you begin a new cash flow example. U.S. Keys (Used in U.S. Mode) Note: Calculator must be set to U.S. Mode. See page 11. s ˆ Annual Percentage Rate (APR) — Calculates APR (for fixed-rate loans only) based on the entry of points and/or non-recurring loan fees paid at initiation. -
Page 15: Calculator Settings
CALCULATOR SETTINGS Decimal Place Selection With the s key, you have the option of selecting the number of decimal places you’d like to display. The values are rounded using conventional 5/4 rounding. You can do this prior to finding an answer or afterwards. -
Page 16: Canadian/U.s. Mode
Canadian / U.S. Mode Your calculator is factory-set to Canadian (Interest) Mode. If you need to calculate loan problems using U.S. interest, you must change the calculator to U.S. (Interest) Mode. To easily switch your calculator from Canadian Mode to U.S. Mode, press the s and then the + key. -
Page 17: Preference Settings
Preference Settings Your calculator has a Preference Mode, which allows you to program the calculator to various settings. For example, it allows you to store certain values permanently, display certain values, or show values in a specific order. To access the Preference Mode, press s, then =, then keep pressing = to toggle through the settings listed below. - Page 18 (Cont’d) After s , Keep Pressing Display Mortgage Insurance (MI)—U.S. Only - Clr-Clr M Ins — - Clr-OFF M Ins — - HOLd Pct. M Ins — - HOLd ALL M Ins — Amortization/Single Entries - AMRT Ent-Ent — - AMRT 1-Ent — Display Qualifying Ratios - Q-R PrESS 1 —...
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Page 19: Memory
Accumulative Memory Whenever the µ key is pressed, the displayed value will be added to cumulative Memory. This value will remain in Memory until cleared or when the calculator is turned off. Other Memory functions: FUNCTION Recall total in Memory... -
Page 20: Memory Storage Keys (M0-M5)
Registers — [M0] through [M5] — that can be used to permanently store single, non-cumulative values. These values will be held when your calculator is turned off, and will only clear when a “Clear All” is performed (via s x). -
Page 21: Additional Memory Storage Keys (M10-M19)
Note: Repeat the above procedure for registers 12-19, using digits 2 – 9 . Note: To clear all above values stored in Memory, press s x . Use this with caution as s x clears away any stored values from your calculator’s register. 16 — Q UALIFIER ®... -
Page 22: Basic Arithmetic Examples
BASIC ARITHMETIC EXAMPLES Arithmetic This calculator uses standard chaining logic, which simply means that you enter your first value, the operator (+, –, x, ÷), the sec- ond value and then the equals sign (=). A. 3 + 2 = B. -
Page 23: Figuring Straight Percent Commission
Clear calculator Enter sales price Multiply by commission % — DO NOT CLEAR CALCULATOR — What if the listing agent works on a 50/50 split with his or her bro- ker? What is the listing agent’s share of this commission? -
Page 24: Delta Percent-Rate Of Appreciation
Using the w and W keys, you can quickly convert Meters to Feet, Feet to Meters, Square Meters to Square Feet, and Square Feet to Square Meters. Convert 5 meters to feet. STEPS Clear calculator Enter 5 Meters Convert to Feet Convert 20 Feet to Meters. STEPS... -
Page 25: Using The Date Function
For example, if a 45-day escrow begins September 19, 2007, what is the closing date and day? STEPS Clear calculator Enter month Enter day Enter year Add 45 days... -
Page 26: Examples - Canadian Mode
3. Financial values may be entered in any order you want. 4. Entered values for Term and Interest are permanently stored in memory. (They do not clear when the calculator is turned off). 5. While in Canadian Mode (default), the calculator will display “CDN”... -
Page 27: Finding The Monthly Mortgage Payment
(Cont’d) IMPORTANT NOTE: All of the following examples can also be per- formed while the calculator is in U.S. Mode. See Canadian/U.S. Modes on page 11. Just be sure to change the term from 25 to 30 years, where applicable, and of course, the answers will change due to U.S. -
Page 28: Paying Off A Mortgage Early (Making Larger Payments)
How long does it take to pay off a 25-year fixed-rate mortgage of $150,000 at 7.25% interest if you add an extra $200 to the mortgage payment each month? STEPS Clear calculator Enter Mortgage Amount Enter Annual Interest Rate 7 • 2 5 ˆ Enter Term in years Find monthly P&I Payment p... -
Page 29: Non-Monthly Mortgages
Most mortgages are paid off monthly. However, if you have a non- monthly mortgage, you must change the number of payments per year using a two-key sequence: s ÷. For example, here's how to set your calculator to four payments per year. STEPS Clear calculator... -
Page 30: Bi-Weekly Mortgages
Bi-Weekly Mortgages Your calculator includes a built-in Bi-Weekly mortgage function (s T), which allows you to convert established, fully amortized monthly mortgages into Bi-Weeklies (in which one-half the monthly payment is made every two weeks). Because you make two extra half-payments per year (e.g., 26 Bi-Weekly payments is like making... -
Page 31: Sales Price/Down Payment
Sales Price / Down Payment One of the unique features of this calculator is its ability to work with not only Mortgage Amount, but with Sales Price and Down Payment. You can enter two values to find the third (e.g., enter Price and Down Payment to find Mortgage Amount). -
Page 32: Finding Loan-To-Value (Ltv) Based On Down Payment And Sales Price
Finding Loan-to-Value (LTV) Based on Down Payment and Sales Price Find the Loan-to-Value if a buyer is putting $15,000 down on a $197,000 home. Then find the mortgage amount. STEPS Clear calculator Enter sales Price Enter Down Payment $ Find Down Payment % Find LTV... -
Page 33: Total Payment (Including Heating Expense And Property Tax Entered As Dollar Amount)
$178,000 and the down payment is 5%. The annual property tax is estimated at 1.3% and the monthly heating cost is estimated at $150. STEPS Clear calculator Enter Term in years Enter annual Interest Enter sales Price... -
Page 34: Finding Mortgage Amount (Including Canadian Mortgage Insurance)
Insurance Find Mortgage Amount Find Mortgage Amount (including Canadian Mtg Ins) Enter new P&I Payment (including Canadian Mtg Ins) — DO NOT CLEAR CALCULATOR — Recall entered Canadian Mtg Ins percentage Find Canadian Mtg Ins dollar amount KEYSTROKES 7 • 8 ˆ... -
Page 35: Finding Monthly Mortgage (P&I) Payment (Including Canadian Mortgage Insurance)
Enter Mortgage Amount Find Mortgage Amount (including Canadian Mtg Ins) Find P&I Payment (including Canadian Mtg Ins) — DO NOT CLEAR CALCULATOR — Recall entered Canadian Mtg Ins dollar amount Find Canadian Mtg Ins percentage Note: Typically, Canadian Mortgage Insurance is entered as a percentage based on the LTV of a loan, but you may enter a percent or dollar amount into Canadian Mortgage Insurance order to calculate your Mortgage Amount and P&I/Total... - Page 36 (1 a), the amortization of periods 1-9 would be dis- played. Year two (2 a) would display values for periods 10- 21. Turning your calculator off and back on returns the Month Offset to 1 (January). Note: If you have changed your Month Offset, be sure to return it to 1 (e.g., 1 s ) ) before proceeding to the next problem.
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Page 37: Total Principal And Interest For A 25-Year Mortgage
How much total interest will you pay on a $200,000 mortgage at 7.5% interest over 25 years? What is the total principal and interest paid? STEPS Clear calculator Enter Mortgage Amount Enter annual Interest rate Enter Term in years Find monthly P&I Payment p... -
Page 38: Amortization List For Individual Year(S) - Using "Next" Feature
How much total interest and principal will you pay on a 25-year, $90,000 mortgage at 8% interest during the first year? The second year? Third year, etc.? First, find monthly payment to “set-up” this mortgage. The calculator will automatically advance to the next year upon subsequent presses of a. STEPS... -
Page 39: Amortization List For Individual Year(S) - Using Month Offset
25-year, $90,000 mortgage at 8% interest during the first year? The second year? Third year, etc.? (First find the monthly payment to “set-up” this mortgage.) STEPS Clear calculator Set Month Offset to May Enter Mortgage Amount Enter annual Interest rate Enter Term in years Find monthly P&I Payment p... -
Page 40: Amortization List For Individual Payment(S)
Find Remaining Term in Payment #1 Display Payment #2 (etc. — sequence repeats for each payment.) — DO NOT CLEAR CALCULATOR — For the same mortgage, find the amount of principal and interest paid in the 36th payment. Also, find the total payment, remaining balance and remaining term. -
Page 41: Amortization List For A Range Of Payments Or Years
For a $225,000, 25-year mortgage at 7.4% interest, find out how much interest and principal you'll pay in payments 1-9, and then for years 1-10. STEPS Clear calculator Enter Mortgage Amount Enter annual Interest rate Enter Term in years Find monthly P&I Payment p... -
Page 42: Future Value
Amount (Present Value) Enter Interest rate Enter Term in years Find Future Value *Calculator must be set to default of 12 periods per year, for compounding monthly. If it isn’t, enter 1 2 s ÷ . KEYSTROKES 2 1 0 ) l 6 ˆ... -
Page 43: Trust Deeds And Discounted Notes
Trust Deeds and Discounted Notes Your calculator easily handles trust deed purchase price and yield problems. Two things to remember are: 1) when entering or solving for “yield” or “rate of return,” use the ˆ key. 2) when entering or solving for “purchase price” or “present value,”... -
Page 44: Finding The Yield On A Discounted Note
Enter purchase price Enter Remaining Term/Yrs. 5 T Enter Payment Amount Find your yield — DO NOT CLEAR CALCULATOR — What should you pay for this trust deed if you want an 18% yield on your investment? STEPS Enter your desired yield... -
Page 45: Buyer Pre-Qualifying
1. The q and Q keys are multi-function, “smart” keys. In other words, they deliver a variety of answers based on what is input, and what is not. The calculator will figure out which qualifying solutions should be displayed, based on the qualifying variables you've input. -
Page 46: Important Note: U.s. Vs. Canadian Payment And Qualifying Calculations
(Cont’d) • the last press will display the allowable monthly debt. Note: You can set your Qualifying Ratios to display first or last via the Preference Settings. See page 12. 5. When calculating Annual Income Required (based on entered mortgage amount or sales price, term, interest and stored quali- fying ratios), the first press of q or Q will display your stored ratios, the second press in succession will display the Annual Income Required, and the third press in succession will... -
Page 47: Qualifying Examples
Return ratios to 32:40* *Note: Your ratios will be permanently stored, or will remain even after your calculator is turned off. You must re-enter these to restore your calculator to the default ratios of 32:40 and 35:42 if they have been changed. -
Page 48: Finding Qualifying Mortgage Amount And Sales Price (Simple Example Excluding Property Tax)
*Note: If you previously entered Property Tax, you must set this key to zero, as your calculator automatically stores the % rates semi-permanently (unless you set them to clear upon o o via the Preference Settings – see page 12). -
Page 49: Qualifying Mortgage Amount And Sales Price (Including Down Payment, Property Tax And Monthly Heating/Condo Fees)
Recall Interest* Recall Term* Display Qualifying Ratios Find pre-qualifying Mortgage Amount Find Price — DO NOT CLEAR CALCULATOR — Now find the monthly P&I payment (Principal & Interest) and Total (PITH) Payment: STEPS Find P&I Payment Find Total (PITH) Payment p *Re-enter interest and term if you are not continuing from the previous example. -
Page 50: Canadian Mortgage Insurance)
Recall Term* Display Qualifying Ratios Find pre-qualifying Mortgage Amount (including Canadian Mortgage Insurance) — DO NOT CLEAR CALCULATOR — Now find the monthly P&I payment (Principal & Interest) and Total (PITH) Payment (including Canadian Mortgage Insurance): STEPS Find P&I Payment Find Total (PITH) Payment p *Re-enter interest and term if you are not continuing from the previous example. -
Page 51: Restricted" Qualifying
Display Qualifying Ratios Find “restricted” Qualifying Mortgage Amount Find sales Price Find $ Down Payment Find total (PITH) Payment p p — DO NOT CLEAR CALCULATOR — 46 — Q UALIFIER KEYSTROKES 4 5 ) i 6 0 0 D 1 0 0 s D ®... -
Page 52: Unrestricted" Qualifying
“Unrestricted” Qualifying The amount calculated in the previous example is the “restricted” mortgage they may qualify for, based on current income and debt. What are the buyer's actual income and debt ratios? What is the “unrestricted” mortgage amount? What side is the “restricted” mort- gage based on (income or debt)? What is the total allowable month- ly debt? STEPS... -
Page 53: Qualifying Comparison
Display Qual 1 stored Ratios Find Qual 1 Qualifying Mortgage Find Price Find Qual 1 P&I Payment Find Qual 1 Total Payment p — DO NOT CLEAR CALCULATOR — STEPS Display Qual 2 stored Ratios Find Qual 2 Qualifying Mortgage Find Price Find Qual 2 P&I Payment... -
Page 54: Finding Income Required And Allowable Monthly Debt
Debt Find P&I Payment Find Total Payment — DO NOT CLEAR CALCULATOR — The Canadian Mortgage Insurance for this mortgage is estimated at 0.50% based on an LTV of 65%. Find the Mortgage Amount, income required, allowable debt, and monthly payment for a mortgage that includes Canadian Mortgage Insurance. -
Page 55: Solving For Actual Qualifying Ratios
Find sales Price Find P&I Payment Find Total Payment — DO NOT CLEAR CALCULATOR — The Canadian Mortgage Insurance for this mortgage is estimated at 1.00% based on an LTV of 80%. Find the actual ratios, Mortgage Amount, income required, and monthly payment for a mortgage that includes Canadian Mortgage Insurance. -
Page 56: Cash Flow Examples
CASH FLOW EXAMPLES Your calculator has easy-to-use cash flow keys for performing real estate investment, or cash flow analysis. Cash Flow Entry The c key can store up to 20 sequential, semi-permanent cash flows, including an Initial Investment, along with their corresponding Frequencies. - Page 57 IRR, NPV, and NFV Functions The R key is multifunctional, and consecutive presses calculate: • the annual Internal Rate of Return (IRR%); • the Net Present Value (NPV) of the entered cash flows, based on an entered desired Rate of Return, and the stored Payments per Year (default = 12) ;...
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Page 58: Calculating Irr, Npv, And Nfv For Annual Cash Flows
Calculating IRR, NPV, and NFV for Annual Cash Flows A real estate investor wishes to purchase/finance a piece of property for $225,000. He’d like a return of 9% and expects to sell it after five years for $275,000. He expects the annual cash flows below. Find the IRR, NPV and NFV, and determine whether this investment is desirable. -
Page 59: Calculating Irr, Npv, And Nfv For Monthly Cash Flows
Calculating IRR, NPV, and NFV for Monthly Cash Flows A real estate investor wishes to purchase/finance a piece of property for $225,000. She’d like a return of 10% and expects to sell it after five years for $275,000. She expects the monthly cash flows below. Find the IRR, NPV and NFV, and determine whether this investment is desirable. -
Page 60: Recalling And Replacing Cash Flows
(Cont’d) Recalling and Replacing Cash Flows STEPS 1) Recall all cash flows and frequencies: Initial cash flow 1st cash flow 1st cash flow frequency 2nd cash flow 2nd cash flow frequency c 3rd cash flow 3rd cash flow frequency c 4th cash flow 4th cash flow frequency 2) Recall a specific cash flow (in this example, the first cash flow):... -
Page 61: Examples - U.s. Mode
Finding the Monthly Mortgage Payment (Based on U.S. Interest Rate) IMPORTANT NOTE: Your calculator must be in U.S. Mode to com- plete the following examples. If it isn’t, press s +. Also, when returning to Canadian examples, be sure to return to Canadian Mode by pressing s + again. -
Page 62: Property Taxes, Property/Hazard Insurance And Monthly Housing Expense
You can use the Preference Settings (s =), however, to set the calculator to hold Tax and Insurance (% and $) values when the calculator is turned off (see page 12). Note: There’s a separate Preference Setting for Mortgage Insurance. -
Page 63: Piti Payment (Tax And Insurance Entered As Percentage)
$125,000 and the down payment is 5%. Annual property taxes are estimated at 1.3%, annual property insurance at 0.25% and annual mortgage insurance at 0.45%. STEPS Clear calculator Enter Term in years Enter annual Interest rate Enter sales Price... -
Page 64: Calculating Tax And Insurance Percentage Or Dollar Amount
0.75%. Then enter a sales price of $250,000, 25% down, a term of 30 years and an interest rate of 8%. Calculate the loan, monthly pay- ments and annual tax and insurance dollar amounts, or premiums. STEPS Clear calculator Set Property Tax rate Set Insurance rate Set Mortgage Ins. rate... -
Page 65: Finding The Interest Rate
Finding the Interest Rate Find the interest rate if the mortgage is $98,500, term is 30 years and payment is $1,150 a month. STEPS Clear calculator Enter Loan Amount Enter Term in years Enter monthly P&I Payment 1 1 5 0 p... -
Page 66: Finding Sales Price And Payment Based On Loan Amount And Down Payment
Find a home’s sales price if you've been approved for a $200,000, 30-year, 7.5% mortgage and you plan to put 20% down. Also find your monthly payment. STEPS Clear calculator Enter Loan Amount Enter Term in years Enter annual Interest rate... -
Page 67: Amortization List For Individual Year(S) - Using "Next" Feature
How much total interest and principal will you pay on a 30-year, $90,000 loan at 8% interest during the first year? The second year? Third year, etc.? First, find monthly payment to “set-up” this loan. The calculator will automatically advance to the next year upon sub- sequent presses of a. STEPS... -
Page 68: Apr, Total Finance Charges (Including Mortgage Insurance)
Mortgage Insurance), total finance charges, principal amount financed, total cost, P&I payment, monthly Mortgage Insurance, and PIMI payment? Mortgage Insurance is estimated at 0.65% of the loan amount. STEPS Clear calculator Enter Loan Amount Enter Interest Enter Term Find monthly Payment Enter mortgage ins. -
Page 69: Bi-Weekly Mortgages
Bi-Weekly Mortgages Your calculator includes a built-in Bi-Weekly mortgage function (s T), which allows you to convert established, fully amortized monthly mortgages into Bi-Weeklies (in which one-half the monthly payment is made every two weeks). Because you make two extra half-pay-... -
Page 70: Qualifying Loan Amount And Sales Price (Complete Example Including Down Payment, Tax/Insurance, Monthly Association Dues)
Enter Term Enter Qualifying Ratios Find Qualifying Loan Amt. Find Price — DO NOT CLEAR CALCULATOR — Now find the monthly P&I payment (principal & interest), PITI pay- ment (principal, interest, tax and insurance) and Total Payment (including monthly association dues): STEPS Find P&I Payment... -
Page 71: Restricted" Qualifying
Display Qualifying Ratios Find “restricted” Qualifying Loan Amount — DO NOT CLEAR CALCULATOR — “Unrestricted” Qualifying The amount calculated on the previous page is the loan they may qualify for, based on current income and debt. What are the buyer's actual income and debt ratios? What does the “unrestricted”... -
Page 72: Finding Qualifying Loan Amount And Sales Price For An Interest-Only Loan
This is useful to show clients what size loan they could qualify for if they paid off debt. Here, the calculator will display the loan amount with “UNR” (for unrestricted) and “INC” indicate that it is based on income. -
Page 73: Finding Income Required And Allowable Monthly Debt
What is the monthly payment? Use 7.5% interest for 30 years. Estimate property Tax/Insurance rates of 1.5% and .25%, respectively. Clear mortgage insurance rate to zero, as they are put- ting 20% down. STEPS Clear calculator Enter annual Interest Enter Term in years Enter Tax rate Enter Insurance rate Delete Mortgage Ins. -
Page 74: Qualifying Comparison (Comparing Two Different Loans Or Two Qualifying Ratios At Once)
*Return calculator to default GDS:TDS Ratios *IMPORTANT: Be sure to return your calculator to “Canadian Mode” by pressing s + , if you wish to perform Canadian mortgage loan problems. Also, be sure to return the calculator to its original Canadian Qualifying ratios. -
Page 75: Appendix
Keystroke Reset — Returning the Calculator to its Original Factory Settings You may at times want to reset your calculator to its factory settings (e.g., reset all registers and Preference Settings to their original default values). To do this, turn off the calculator, hold down the x key, and then turn it back on. -
Page 76: Error Codes
Replacement batteries are available at most discount or electronics stores. You may also call Calculated Industries at 1-775-885-4900. Replacing the Battery: Turn the calculator over and open user guide door located at the top. Pull battery holder out (top left corner) and turn over. -
Page 77: Repair And Return
Return Guidelines: 1. Please read the Warranty in this User's Guide to determine if your Calculated Industries product remains under warranty before call- ing or returning any device for evaluation or repairs. 2. If your calculator won't turn on, check the batteries as outlined in the User's Guide. -
Page 78: Warranty
Non-warranty repair covers service beyond the warranty period, or service requested due to damage resulting from misuse or abuse. Contact Calculated Industries at the number listed above to obtain current product repair information and charges. Repairs are guaranteed for 90 days. -
Page 79: Legal Notes
This equipment has been certified to comply with the limits for a Class B computing device, pursuant to Subpart J of Part 15 of FCC rules. Software copyrighted and licensed to Calculated Industries, Inc., by Real Estate Master Technologies, LLC , 2006. -
Page 80: Index
Basic Operation Keys, 1 Battery, 71 Bi-Weekly Mortgages, 25 Bi-Weekly Mortgages (U.S.), 64 BUYER PRE-QUALIFYING, CANADA, 40 CALCULATOR SETTINGS, 10 Canadian Mortgage Insurance, 29 Canadian/U.S. Mode, 11 Cash Flow Examples (U.S. and Canadian), 51 Cash Flow Keys, 8 DATE FUNCTION, 20... - Page 81 Payment – Including Heating Expense, 27 Payment – Including Heating Expense and Property Tax, 28 Payment – PITI (U.S.), 58 Percent Change, 17 Percentage Calculations, 17 PITH Payment, 27, 28 PITI Payment (U.S.), 58 Preference Settings, 12 Property Taxes, Property/Hazard Insurance and Monthly Housing Expense, (U.S.), 57 Qualifying Examples (CANADA), 42 Qualifying Examples (U.S.), 65...
- Page 82 4840 Hytech Drive Carson City, NV 89706 U.S.A. 1-800-854-8075 or 1-775-885-4900 Fax: 1-775-885-4949 E-mail: info@calculated.com www.calculated.com Designed in the United States of America Printed in China 5/06 UG3423E-B...
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