Tag Archives: business finance

0% interest Business Credit with Fund&Grow | Client Review [SUBSCRIBE FOR DISCOUT]

**0% interest Business Credit with Fund&Grow | Client Review [SUBSCRIBE FOR DISCOUT]**



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Want to learn how to get Unsecured Business Credit Lines, at Zero Interest, and how to get Non-Recourse Corporate Credit? Most people don’t know the difference, did you?
Business Credit is lent by the bank, it’s unsecured, and available at 0% interest. Take advantage of this once in a lifetime opportunity to learn from the experts who’ve raised over $200 Million at 0%, have thousands of happy Funded Testimonials and an A Plus Rating with the BBB.

For a free bonus package and MORE info on how to get 0% Business/Real Estate Credit Funding, you must subscribe to our Youtube Channel and stay in-the-know.

If you’re seriously interested in building business credit at 0% interest, go to www.fundandgrow.com/yt and receive this valuable insider info right now.
You will learn how we keep the funds at zero interest for EXTENDED periods of time, and you’ll get a FREE credit report bonus package.
hello my name is Thomas I joined funny grow in July 2017 I finished my first round of funding since so far they've got me forty one thousand five hundred dollars and that's on the first round I haven't gotten the second round yet I can't breathe can we start the second round for those of you who are thinking about joining funny girl I do recommend it and good luck to you

How To Budget Your Money Like A Millionaire! (Cash Flow Cruncher Tutorial)

**How To Budget Your Money Like A Millionaire! (Cash Flow Cruncher Tutorial)**



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In this episode, Matthew Pillmore, president of VIP Financial Education, shows you how to use the BEST budgeting tool / budget template for both personal finance and business finance – the Cash Flow Cruncher! If you’re looking to master your money then this training / tutorial is going to exactly how to do that – and specifically how to budget like a millionaire when it comes to YOUR 2019 budget.

Don’t let the word “budget” scare you though, because at VIP we are about managing your expenses in a way that still allows you to do the things you love to do. It’s not about cutting back on everything, it’s not a Dave Ramsey beans and rice approach to money management. It’s all about lifestyle design, high-income skills, progressive income (aka passive income), utilizing leverage intelligently (debt weapons), creative financial choices and ultimately financial freedom.

Matt walks you through exactly how to use the cash flow cruncher so you can start understanding where your money is going and make better financial decisions equally based on the facts and your goals. Want to learn how to budget your money in the smartest way possible? Want the best budget planning template we’ve ever seen? Of course you do 🙂 Enjoy the video!

* Get your FREE copy of the Cash Flow Cruncher spreadsheet below. It is our gift to you, our wonderful audience here on YouTube. Start crunchin’ that cash flow!

* Don’t forget to sign up TODAY for your exclusive one on one consultation at:

Much like Robert Kiyosaki, VIP is all about utilizing leverage (via Debt Weapons) to increase cash flow through investing in all types of things, from real estate to small businesses. VIP differs in their approach to the follow through, utilizing some of the things Dave Ramsey teaches – optimizing your cash flow by decreasing expenses – however VIP differs there too. We are all about maintaining the lifestyle design YOU want, all while optimizing your expenses through creative approaches. We’re all about the best of both worlds.

Do you watch Dave Ramsey, Robert Kiyosaki, Grant Cardone, Gary Vee, Graham Stephan, Meet Kevin, Ryan Scribner, Replace Your Mortgage, Project Life Mastery, Russel Brunson, Alex Becker, Tanner J Fox, Refusing to Settle, Dan Lok, Jeff Rose, Tai Lopez, Bigger Pockets, or Pat Flynn? Then you’ll love our channel! Be sure to subscribe!!

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so I had a guy that came up to me after my last presentation at the investor success summit here in Denver there were about 400 real estate investors that attended that event and he said hey would you be willing to share with my audience the number one thing to getting their money right and I said you have to create a budget Novell Goddard who's the author of the book the power of awareness has a couple of really good quotes in that book the first is by changing your conception of yourself you will automatically change the world in which you live think about that the other quote that I love is change or accident is not responsible for the things that happen to you the power of awareness the power of awareness will immediately change your financial future which is why it is so important to budget and what I find is when people hear the word budget they automatically associate it with things like diets it's another word we hate but sometimes just knowing your diet what you eat is going to help you make better decisions with your behavior and I find the same is true with your budgeting use the cash flow cruncher we give you it is one of the single best budgeting tools that exists on the face of the earth and it is completely free to you our YouTube audience thank you so much make sure you download your copy we're gonna go ahead and walk through that cash flow cruncher here today so that you can see the value with which it brings and person after person after person almost all unanimously agree that the exercise of completing and keeping an updated cash flow cruncher will change your entire financial future enjoy all right so I realize that some of you have not gotten one of the single most popular budgeting tools available not to mention it's free and that is called the cash flow cruncher so what I want to do today is walk you through the process of downloading your very own copy it comes in the form of an Excel spreadsheet so it's very easy to use and it's quick to navigate so let's go ahead and walk through that process together the first thing you'll do is in their search menu you – cash flow cruncher calm which will take you to the download page simply type your email address into the field to claim your free copy and go ahead and select the red button immediately it'll pull up the download button which will open a new cash flow cruncher spreadsheet you can see I've already got a copy open and enlarged here for you to see the first page it'll open is the cash flow summary tab which is a non editable page it's very important to understand that this opening tab is will not require you to put any information into these fields this actually imports the data from the other tabs below now if you've ever used an Excel spreadsheet you'll navigate the spreadsheet by going to individual pages down here and it'll start with the revenue and assets page on this page you'll want to itemize each individual income that you bring in to the household or the business now it's always been my recommendation that you create an individual cash flow cruncher for your businesses an individual cash flow cruncher for your real estate and an individual cash flow cruncher for your household these are treated as separate financial ecosystems so you could put primary income here now there are two ways of filling this out I generally recommend putting this as your net take-home income initially it's much easier to do it that way and don't forget if you're paid every other week for instance every other Friday you technically receive 26 paychecks per year so you'll want to take if you're paid every other week your income your gross take-home income multiply that times 26 and then divide it by 12 months in order to come up with your average take-home income if you're paid infrequently such as commissions you'll also want to be using averages as well so we base most of our information on these cash flow crunchers on average revenues and average expenses since they often will fluctuate throughout the year so as a primary income if you're using your take-home versus your gross you'd simply put the take-home income in and you'll list any additional income sources that you have now the more specific you are the more you'll find value in this cash flow cruncher and when we're being specific we're trying to be as conservatively realistic about our numbers as possible so in order to err on the side of caution and create as many pleasant surprises down the road as possible we certainly want to make sure we're rounding for the worse to us in order to be conservative so let's say that we bring in two sources of income here for a total of $4,500 take-home you can see that we have FICO scores a and FICO scores B to account for a joint person household so you'll put in the varying credit scores and oftentimes many people will rely on the Vantage credit scoring provided by free sources like Credit Karma versus the actual FICO credit scores provided by Fair Isaac and that's because you don't have to pay to receive those credit scores whereas you do generally have to buy your FICO scores unless they're provided by a credit card creditor or a bank that you currently do business with so you'll put your various credit scores to start off your consultation which you'll have access to by the end of today's video inside the the rest of this revenue and assets page you can see that we've created sections for investments sections for retirement accounts sections for cash and when we talk about investments this is actually going to be alternative types of investments not real estate investments you can put your real estate investments down here in the assets field and you'll also account for them on the debts page if you do have mortgages associated with those current properties in the cash section you can lump all of your totals together so you could put Chase Bank and you can put a total of all of your accounts inside there you can select whether it's checking or savings if you want to specify which accounts they're in and you can separate these all out into aggregates should you choose to on the dets page you'll start to account for your liabilities these are any debts that you have both non mortgage and mortgage related balances and normally we will separate these out into street addresses okay we'll put a balance into the column in the appropriate column of each property the value is the estimated value of the home the original is the sales price that you purchased the property for and then the mortgage payment including just your principal and interest taxes and insurance will be noted here on the personal expenses page mortgage type is usually the term the du is the day of the month that it is required to make your payment and the percentage of interest that's associated with that balance and you'll include all mortgages here individually and so forth lines of credit will include both secured and unsecured lines of credits so this will include home equity lines of credit whereby you'll input your balance along with any limit that is associated with that specific line including minimum monthly payments same goes with unsecured and even business lines of credit if you're filling out a business-related cash flow cruncher now one of the things people really enjoy about this specific tool is the fact that it will calculate for you how much money is still available and what your utilization is you can see on this home equity line of credit where we've used twenty five hundred dollars of a fifty thousand dollar limit there's another forty seven thousand five hundred dollars still readily available as for this business line of credit where we've hypothesized a fifteen thousand dollar balance compared to an eighteen thousand dollar limit it's showing just three thousand dollars still available for use the minimum payment obligations relative to the balance owed will calculate what we call a target rate one of the things that makes this cash flow cruncher so uniquely special is that we have calculations and formulas here that help us determine the best course of action for attacking and eliminating debts the higher the target rate the bigger the impact against our cash flow so this is an incredibly important formula which no other budgeting tool we found includes you'll then put your auto loan inside here or multiple auto loans should you have any and usually we separate these by labeling the actual vehicle itself the value of the vehicle obviously is speculative and then the monthly payments will also be calculated along with the interest rate associated with that loan and then we go through and we itemize each individual credit card that we have available this is not just accounts that have balances while we do typically list those in order from highest balance to lowest we still do want to include accounts in here that have a zero dollar balance so let's say for instance we have a $12,100 current balance on an American Express account let's say we have an existing fifteen hundred dollar balance on the city account and let's say for instance that we have a zero balance on our city account with the limits being fifteen thousand 10,000 and say 2,000 will highlight here again some of the takeaways that you'll find by having this increased awareness regarding your overall financial snapshot in total we have 27,000 available with thirteen thousand six hundred being used and you can identify here the overall utilization on each one of those accounts as we continue to fill this out you'll find the target rates also will be calculated here for us as well and also down below where we've got a combined LTV this is totaling the loan to values on your properties which is very helpful when considering various applications for things like home equity lines of credit and in addition to these totals at the bottom of the page you'll also find that the total available credit is noted along with the combined utilization of each of these which helps you manage your credit scores and your overall borrowing strength as well so our motto obviously is credit capital and cash flow those are the areas that were always focused on optimizing and for that reason this specific spreadsheet caters to those priorities we're then going to visit the personal expenses tab where we can easily itemize each individual household expense that we are required to spend each month so we can manage an ongoing budget now this is where we're going to obviously rely on averages these are your monthly averages throughout the year things like automobile repairs automobile registration various tolls and parking of course car washes these types of expenses especially vary throughout the year as does some of this here things like babysitters food eating out things like lunches beauty and cosmetics and hair care taking care of ourselves anytime we donate charitable contributions costs of medical pet care and you know these these expenses vary almost every month and therefore again looking back over the last 6 to 12 months sometimes even longer is a very important exercise in order to determine what numbers you should be putting in here most people can have this cash flow cruncher completed in under 30 minutes now if it takes you longer than 30 minutes that can be somewhat of a drag but it does go to show you just how many moving pieces you have to work through and also potentially highlights that you're not necessarily focusing on it as much you should if you have these details readily available at your fingertips then normally you're on top of things and it won't be as difficult to fill this out there is a business expenses tab as well but as I mentioned previously I do recommend separating your personal household cash flow cruncher from any business cash flow crunchers as well as from your real estate portfolio cash flow crunchers when I'm talking about a real estate portfolio I'm talking about investment real estate you can go ahead and put your primary household inside your personal cash flow cruncher one of the most popular tabs here on this spreadsheet is the loan calculator page where as you've seen in many of the videos here on this channel we actually showcase just how much faster and how much less expensively somebody can attack and eliminate long term debt like mortgages and this is where you can come in and start to play around with applying things like lump sum payments let's say that on this two hundred ninety thousand dollar loan amount at a five point two percent interest rate we were to take $30,000 from a debt weapon and make a lump sum payment to this mortgage well this loan calculator would clearly demonstrate that that one decision alone could have a ninety one thousand dollar impact on our total interest saved over the long run in fact this would knock off a total of seventy six months and a total of six point three three years from the long term of this 30-year loan which is pretty impressive so you can come in and you could toy with this let's say you wanted to do that every ten months well on month eleven you apply another thirty thousand dollar lump sum from the debt weapon after this original lump sum has been paid back and immediately you can see with just those first two moves in under one year that two hundred ninety thousand dollar loan is going to end up costing us almost a hundred and fifty thousand dollars less in future interest costs so this is of course a very very popular addition to this tool and finally we have the action steps page and the financial future tabs which you can visit once you have your free copy in hand one thing I've loved about this cash flow cruncher is once all of the data has been input it will immediately come to the cash flow summary page and it will import all of that information so that by the bottom you can see what our total net cash flow and gross cash flow positions are once we're debt-free and we have forty two hundred and fifty dollars left over at the end of each month you can see the financial future here becomes very good and we can input different numbers into this rate of return field so that we can toy with what the future impact will be on all of our growth over time and this is basically showcasing the power of compound interest which is over here in this field so guys I hope you really enjoy using this cash flow cruncher tool it's free as a gift from us to you for being a subscriber of the channel so make sure you are if not already a subscriber go and hit that smash smash that subscribe button and in addition to that make sure in the description below you go ahead and visit the calendar in order to access your one free coaching session where we will look over this cash flow cruncher together in order to determine accurate timelines realistic timelines with which you can accomplish your both short and long term financial objectives we look forward to seeing you on the next video thank you so much for tuning in and enjoy your cash flow cruncher make it a great day

Fund&Grow 0% Interest Credit - Client Review $109k

**Fund&Grow 0% Interest Credit – Client Review $109k**



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Want to learn how to get Unsecured Business Credit Lines, at Zero Interest, and how to get Non-Recourse Corporate Credit? Most people don’t know the …

Mike Banks explains Building Zero Interest Growth Capital $50k-$250k

**Mike Banks explains Building Zero Interest Growth Capital $50k-$250k**



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Want to learn how to get Unsecured Business Credit Lines, at Zero Interest, and how to get Non-Recourse Corporate Credit? Most people don’t know the …

Fund&Grow 0% interest Business Credit Review | SUBSCRIBE FOR $500 DISCOUNT

**Fund&Grow 0% interest Business Credit Review | SUBSCRIBE FOR $500 DISCOUNT**



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Want to learn how to get Unsecured Business Credit Lines, at Zero Interest, and how to get Non-Recourse Corporate Credit? Most people don’t know the …