That would be IF you did not have ANY Pre-Payments.Next, we will look at the calculations where we add the Pre-Payments.In Cell P12, I summed up the entire V column or the Payments.

Mine gets used frequently for lenders but, more importantly, it helps guide financial decision making, from buying a new cell phone to investment strategy decisions.  

So when they call I collect cell phone numbers, email addresses, what type of houses they like and what price range so I have all the right info when I come across a deal.

If I am interested I will photo-file them on my cell phone.In 30+ years we have never had business cards.

It also gives a Cell #.

One of our rental houses was vacant and someone started using the address for establishing a cell phone account.  

Forget about that Google voice crap and get a cheap cell phone and answer the phone when someone call.

. $ spent/ $ profitAll of those criteria will be the same regardless of what the market is doiing.Honestly I've got to give up on the rest of your questions because I can't understand a word of it....Did you type this on a cell phone LOL

I'll be out of the office the rest of today, but should be available most of Monday. 781-888-5678 is my cell.

I've been thinking about photography and real estate and figured I would ask a few questions to the community.Do you see value in having better than cell phone images?