eBook Cashflow 101 Cheatsheet

Copyright 2010, Trace Trajano; The Cashflow 101 Cheatsheet is not endorsed by Robert Kiyosaki or the Rich Dad Organization.

The Cashflow

101 Cheatsheet

Unofficial Cheatsheet Written by

Trace Trajano

Ronald Cagape And

Weng Cagape

With special participation from Apple Raquel, Vladimir Caluya, toqueblanche, Vito and other subscribers of my blog – http://tracetrajano.com

Edited by:

Jane Sabater

http://tracetrajano.com/�


DISCLAIMER What you will read in the following pages are for educational purposes only and are not meant to represent legal, financial, accounting or investment advice. Please seek the help of your legal, financial, accounting and investment professionals and always do your due diligence before investing.

TYPICAL RESULTS The success stories you are about to read in the following pages are not typical. The reason is the typical reader of real estate investing related eBooks does not implement the knowledge he/she gains from eBooks like this. Hence, the typical result is zero profit because the typical reader of eBooks does not take action on what he/she learns.

How to Best Read this Book If you’re my blog subscriber (http://tracetrajano.com), and if you have put a comment on my blog when I ask the question: “What is preventing you from getting out of the rat race and into the fast track?” made this e-Book possible. I’ve chosen some of the comments and put them in the beginning of every chapter. At the end of the chapter I have a “Cashflow 101 Cheat”. A cheat is nothing bad. It’s a shortcut to succeeding in a game and making your money grow is also a game. Therefore you need a cheat…or several cheats. Utilize these cheats and watch your income soar. Ignore it and your financial future will be bleak. Feel free to forward this e-Book to everyone you know. They will most likely benefit from this. Dedicated to your success,

Trace Trajano



TABLE OF CONTENTS

Introduction: How to “Cheat” Your Money Fears Chapter 1: Deep in Debt: To Control Your Debt You Set it and Forget it! Chapter 2: The Secrets to a Six or Seven Figure Bank Account Chapter 3: How to Buy a Six Door Apartment Even if You’re Broke Chapter 4: How to Make P450,000 on One Real Estate Deal Chapter 5: How to Sell a Condo in Two Days and Make P100,000 Chapter 6: The Ultimate Cheat: Getting a Cashflow 101 Real Life Coach


Introduction How to “Cheat” Your Money Fears

By Trace Trajano

“The greatest is FEAR. fear holds your tomorrow and your plan. I have so many plans to get out of the RAT race search and studied and read a lot of books to enhance my knowledge but at the end of it all i allowed FEAR to overcome my will. There is no question that I am here broke and in debt. One reason why I am here in this blog and writing is to overcome the FEAR and be out of the RAT RACE and be at the FAST TRACK.” – toqueblanche’s comment on my blog – http://tracetrajano.com

In this chapter I’m going to talk to you

about something that is not necessarily

related to real estate but believe me, this is

the foundation of succeeding in whatever

you want to do — especially in financial

success. This is something that will

definitely either hinder you in succeeding

in whatever financial success you want or

if you turn this stumbling block into your stepping stone - this is how you will “cheat”

your money fears. If you can not cheat them or if you can not control your money fears,

they will control you and they will prevent you from achieving the financial

independence that you want — achieving the financial abundance that you deserve.

Fear is scary, literally, because it kills dreams. Someone once said that the richest

place on the planet is not the New York Stock Exchange, it’s not the Chicago Options

Market, it’s not the commodities market, it’s not the Forex market — the richest place on

earth is the cemetery. The reason why is that in the cemetery are dreams that are not

fulfilled, potential that have not been realized, money that have not been earned by



people who have dreams but they just let go of these dreams as well as people with

potential but because they let their fears prevent them from achieving their potential then

they weren’t able to achieve their dreams.

The number one regret of old people who are dying is that they gave into their fears.

If they can live their lives all over again, they will take more risks, they will have the

courage to do what needs to be done to follow their dreams. Most people just let fears

paralyze them. Now, specifically with regard to money, there are many fears that people

share with me and some of these are also my fears. From time to time, I still think that

I’m not worthy of money. I would probably make a lot more money had I not have this

fear instilled in me by my upbringing. I came from a poor family. My dad was an OFW

but he eventually became broke because he wasn’t able to manage his money well and

we suffered as a result of that. So there are many times that I felt that I am not worthy of

money. And those times when I felt that I am not worthy of money I gain my money and

I lose it or I don’t gain it at all when I have that fear. Then this concept of not having

enough money — this poverty thinking, the second fear — this is very common

especially for those like me who came from a poor family. Having the notion that the

money that is coming is not enough or the money that I have will not be sufficient is

always at the back of my head. And when I ask the question, “What’s stopping you from

getting out of the rat race and into the fast track?” This third fear, “What if I fail and lose

money?” — that is a very common or prevalent fear for most people that’s why they

don’t venture into real estate investing because they’re thinking it requires a lot of capital

and the thinking “What if I lose that capital?” or “What if I lose money?”

And the last fear is related to the first one, “What if I have too much money and I

become bad because of it?” We’ve all read in the Bible that money is the root of all evil

but really “the love of money for money’s sake” and one is willing to do everything for

money’s sake — that, my friend, is the root of all evil. Money itself is not evil. What you

do with the money will determine what is good or bad, what is right or wrong. Someone

just once said that money magnifies who you are already. So if you’re a good person,

money allows you to become even better or to spread your goodness wider and farther.


You can help more people if, by nature, you want to help people. So don’t be afraid of

that. Remove that at the back of your mind —Money is evil. I mean, you decide what you

become. You want to become good? Then use money for good. Bottom line: Money is

neutral. Money is not evil. Money is not inherently evil; it’s not inherently good. You can

use money for evil or for good. Obviously, I encourage you to use money for good and

for helping a lot more people than the people you’re helping now. You can utilize money

to serve people and therefore why should money be evil?

Now, what are the antidotes

to fears? As I said, there are

many money fears that people

have. One of the things that you

need to think about is “What’s

your ‘Why’?” Why are you

doing this? Why do you want to

become financially free? Why do

you want to invest in real estate? Is it for your family? For me, my burning “Why” is I

don’t want to be like my dad. I’m afraid to work hard all my life only to have nothing at

the end of my working days. That’s why even though my job pays me well, I realized that

working at a job will not make you financially free. You have to work long and hard but

still just working on a job will not make you financially free. You need to learn how to

invest. What I found is real estate is a very good investment and that’s why I’m a real

estate investor. What about you? What’s your compelling “Why”? Why are you doing

this? If your “why” is not compelling enough, at the first sight of trouble, at the first sight

of a challenge or a problem, then you will back down and retreat whereas if you have a

burning “why” then every challenge that comes your way, you can turn any stumbling

block into a stepping stone. So ask yourself the question, “Why am I doing this?”

Next, you need to work on your Money Mindset. It’s good to seek out like-minded

people, to have a mastermind group, to seek out a mentor, to say affirmations every

morning, to tell yourself that money is good, that money comes in easily and frequently


— you have to say that over and over again so that you can literally unlearn the wrong

mentality and beliefs that you have about money. Do that everyday and join people who

are in this journey with you. Befriend a lot of rich and successful people. Learn from

them. Get their vibes to rub off on you. And then acquire knowledge. Read books about

money. Learn about how money works. Learn about how real estate investing works.

Learn the “How” before you jump. So these three: having a compelling ‘why’, working

on your money mindset and getting the know-how are your antidotes to fear.

But you need to combine all these three and do the last step which is — you have to

be ready, you have to fire, and you have to aim. That means you have to put all of these

things into practice because nothing happens until you do something. Action is the key.

You have to learn the basics, meet like-minded people, network with them, tell everyone

that you know that you buy and sell real estate. Then you need to seek out mentors. Set a

goal and be very specific about it. Once you have a goal, your mind will work even while

you sleep in order for you to accomplish that goal. But you have to believe that this goal

is doable or possible for you. Your goal

has to be time-bound. You can not just

say, “I will be a real estate investor

someday.” You have to be very, very

specific. “I want to buy and sell my very

first real estate deal in the next 90 days

and I’ll make at least one hundred

thousand pesos. You have to tell

everyone about it. Why? So that you become accountable to your goal and failure

becomes a non-option. You will strive to succeed. When you get a mentor, you have to

share your goal with your mentor and you have to have a penalty if you don’t accomplish

your goal and a reward when you accomplish your goal. By having a mentor that you

share your goals with and having a penalty if you don’t achieve it, then now you become

accountable. If you are really serious, you have to do this. You have to seek out a mentor,

set a specific goal, and be accountable to your mentor to achieve your goal. Then you

fire. That means you just take action – whatever action that leads you closer to your goal,


and then do it. Don’t even think about it. No action is too small in order to accomplish

your goal. Someone once said, “how do you build the Great Wall of China? Well, you

build it one brick it at a time” So imagine if the thinking is “it’s so big” then the only way

to accomplish this is to carve out a big chunk of stone out of a mountain and not build it

brick by brick. The bottom line is just take action – whatever action it is. Maybe it’s as

simple as making one phone call to a real estate agent. Or maybe it’s as simple as going

to the bank and talking to the banker and asking the banker for a list of non performing

assets. Or checking the internet, going to sulit.ph or bahay.ph and checking out which

houses are being sold. Little actions like those cumulatively, “brick by brick,” one little

action at a time upon one little action at a time and pretty soon you’ll be amazed by what

you will accomplish. But you have to just do it. And then you aim. You refine your

actions. Because once you act or do something, then chances are a lot of your actions will

be mistakes. You will learn from your actions. A lot of things that you do will not be the

correct things to do or you will not do them correctly. Then you learn. Do more of what’s

working and modify the actions that are not working. Don’t just give up too easily on

them. Modify them and see if they will work. Have what I call “creative persistence.”

You persist not blindly, you’re learning and then you’re creating and modifying what

you’re learning so that it can work in your market, in your circumstance, or in the deal

that you have.

One of the things that really bother me is when people tell me, “Hey your methods

only work in the United States.” It bothers me because that’s being close-minded. If only

they realize that by getting and knowing and learning the principles and using creative

persistence so that they can make it work in their market - if only they do that, if only

they realize that by just doing that - they will make a lot of money. It bothers me when

people don’t do that. They give up too easily. And they use the excuse that I’m based in

the US and therefore what I teach won’t work in the Philippines. I mean that’s a whole

bunch of crap. Pardon my term. But that’s the reality. The reality is you can use the

techniques that I teach and my techniques work if you use creative persistence. I have

students who are based in the Philippines and they started as broke people. They didn’t

have any money, they didn’t have any savings and yet in a matter of several months,


sometimes even in a few weeks, they were able to make money and out of nothing – out

of being broke – they have money and eventually some of them became millionaires.

That’s why it bothers me that people give up too easily. So bottom line: you have to just

act. Ready, fire, aim!

Let me end this with how I started and

let me cite this quote from Edward Vernon

Rickenbacker. He is a World War I ace

fighter pilot and a Medal of Honor

awardee. Obviously, he was awarded for

bravery. Being an ace pilot, that means he

had shut down a lot of enemy planes.

Mind you this is World War I so the

planes are not as good as now. There were

no computers then so everything is

manual. There was no auto-pilot. There was no laser-targeting technology by then and yet

this guy survived the war and shut down a lot of enemy planes. To say that he is brave is

an understatement. This guy epitomizes what courage is; and yet listen to what he has to

say here, “Courage is doing what you’re afraid to do. There can be no courage unless

you’re scared.” Let me repeat that, “Courage is doing what you’re afraid to do. There can

be no courage unless you’re scared.” - Edward Vernon Rickenbacker, ace fighter pilot

World War I and Medal of Honor awardee. So folks, even though you might be scared of

money, even though you have all these fears, the greatest antidote to fear is just do it. Just

do the thing that you’re afraid of and realize that that is precisely what courage is – doing

the thing that you’re afraid of. And only when you do that, only when you overcome your

fears, only when you act even though you’re scared, that’s the time that you will succeed.

CASHFLOW CHEAT # 1 To overcome your fear, do the thing that you are most afraid of. When you start you will start learning and eventually the earnings will come so by all means, just start!


Chapter 1

Deep in Debt: To Control Your Debt You Set it and Forget it!

By Trace Trajano

“ive grown my debt and now its haunting me..bank keep calling at my office..i thought having a credit card is great but im wrong coz now my debt is greater than my income..i hate this kind of life..” – Anonymous’s comment on my blog http://tracetrajano.com

When I asked the question, “What is the one thing that is stopping you from getting

out of the rat race and onto the fast track?” one of the most common answers is debt. It’s

a variation of “Hey Trace, I’m earning enough for my family and I have this big debt… I

got into this credit card debt… it’s 80,000 pesos… How will I be able to get out of this?

This basically keeps me in the rat race.” That’s one of the most common things that I’ve

read in my blog comments so today in this chapter, we’re going to solve that problem.

The title of the chapter is “Deep in Debt: To Control Your Debt You Set it and forget it!”

So basically to get out of debt, you set it and forget it. And later on, in this chapter, I will

show you how you can do that.

Is Debt the Death of Your Dreams?

The answer to that is “Absolutely Not!” You can turn this debt — this stumbling

block into your stepping stone. Because here’s the thing: Debt is finite but your income,

if you set it correctly, is infinite. Let me repeat that. Debt is finite but income is infinite.

Think about it. Let’s say you buy a property. Think for a moment, suspend your disbelief

and think that now you have millions and millions of pesos and you can buy a piece of

property i.e. five-storey building and it will produce one million pesos a month in income

or cash flow so whether or not you work, you’re getting one million pesos a month in

cash flow and that’s forever — until the property is standing there. You can pass it on to

your heirs so it’s basically infinite whereas your debt is always finite. So take comfort in



the fact that you can create infinite income. As we know in Mathematics, no matter how

big a number is, it’s always smaller than infinite. Here’s the other thing I’d like you to

think about and this is something the Real Life Cash Flow 101 Coach told you recently:

He utilized debt — the fact that used to have a lot of debt — he utilized that to motivate

him to strive more, to expand more, to have another stream of income other than the

income he had that at that time and I want you to do the same. I want you to be not

limited by debt and instead, use debt as your stepping stone to financial success.

Here’s the truth: Your past does not determine your future. Let me repeat that. Your

past does not determine your future. See the thing is you can change your future by

changing your NOW. You change your present, that is your NOW — by changing how

you think. And here’s another truth: What you think about comes about. This is called

“the Law of Attraction” Now here’s the problem: the Law of Attraction can not

distinguish or understand if you put the word “no” in front of it… it doesn’t see the “no.”

It’s like this: If I tell you the statement, “do not think of a purple elephant” and you repeat

that after me, “I am not thinking of a purple elephant.” What color of the elephant are you

thinking of? Exactly — purple. That’s how the Law of Attraction works. So if you say

“I’m getting out of debt… I’m getting out of debt.” Then guess what? You will get more

debt. You will attract debt because you are thinking about debt. In order to eliminate debt

in your life, as one of my mentors Bob Proctor said, “You set up an automatic debt

repayment program so you can focus on prosperity.” Focus on the positive which is

wealth or income, not the negative which is debt.

Yes, Mr. Bob Proctor, this is very good but what exactly is a debt repayment

program? Let me illustrate this with you in an example. So now we’re going to do a little

bit of math. So let’s say you’re a high earner, you’re working in your job for about ten

years, climbed the corporate ladder and now you’re earning 100,000 pesos a month. This

is just an example and do not think that this will only work for people who earn 100,000

pesos per month. It can work whether your salary is 10,000 per month or 5,000 per month

or if it’s 1 million pesos per month or 100,000 dollars. It works in all of those cases. I just

want you to get the principle. So going back to our example, let’s say you owe three

people or three entities:


1. You owe Ram, the Hard Money Lender — maybe he is the typical “bumbay”

doing 5-6 or whatever; you owe Ram 20,000 pesos and you pay 2,000 pesos

every month. If you do the math, that’s exorbitant amount of interest.

2. You have a Visa credit card at 36% interest and you owe 50,000 with a

minimum payment of 1,000 a month

3. You owe 50,000 from MasterCard with a minimum payment of 2,000 a

month.

So really, you are in deep debt in this example, you actually owe more than what you

earn every month and even though you’re earning 100,000 pesos every month, chances

are you’re earning less than that. You have the government taking its share as taxes.

Anyway, for this example, let’s say you are able to allocate 10,000 pesos per month in

your debt repayment program.

Now here’s the thing: I’d like you to do a little bit of math. Calculate what I call the

“Debt Cash Strain Factor” and this is basically your total balance divided by the total

payment that you need to make on a monthly basis.

And what I want you to do is pay off those debt that have the lowest Debt Cash Strain

Factor first. By doing it that way, you’ll be able to pay off your debts a lot quicker than

you think. Again, the Debt Cash Strain Factor — this is something I just invented so I can

summarize the whole idea.

So in this example, you owe Ram 20,000 but you pay him 2,000 a month… The Debt

Cash Strain Factor (DF) is 10 whereas MasterCard has 25 and Visa has 50. So the idea

here is you pay all of them — the minimum monthly payment required — but you pay

Ram extra. Recall that you allocate 10,000 per month but you need to pay 5,000 pesos as

Calculate the “Debt Cash Strain Factor” (DF) DF = Loan Balance Minimum Payment Lowest DF gets paid off first


your minimum payment to all three. The mistake that I don’t like you to make is you only

pay the minimum. If you only pay the minimum, it will take you forever to pay off your

debt. You have to pay not just the minimum payment but also a big chunk of the principal

in order to accelerate you paying off your debts.

Before anything else, you have to cut all your credit cards and only keep one for

emergencies. Cut all of them except one. Then you pay off your Visa and MasterCard

minimum payments every month and then given that you want to pay off Ram first, you

pay Ram 2,000 (that’s the minimum he requires); in addition, you pay him 5,000 as

additional principal payment.

And then on Month 2, you do the same thing. But notice now that since you owe Ram

15,000 pesos now because you have paid 5,000 as your principal. Then really the interest

due, if do the math, is 1,500 pesos. Because your total principal has gone down, therefore

your minimum payment should go down as well. And then your Visa and MasterCard

balance would also go down. But for all intensive purposes, we just ignore the principal

pay down of those loans just so we can make the math simple.

And then on Month 3, you do the exact same thing. Now, notice this. On Month 3,

you only owe Ram 9,500 pesos and your monthly interest due is only 950 pesos. Now

Month 2

Ram MC Visa

Balance P15,000 P50,000 P50,000

Payment P1,500 P2,000 P1,000

Additional P5,500 --- ---

• Ram: DF = P20,000 = 10 P2,000

• MasterCard: DF = P50,000 = 25 P2,000

• Visa: DF = P50,000 = 50 P1,000


you can pay Ram even more in terms of principal. So can you see how you’re debt gets

paid off a lot quicker?

If you do the math, basically by month 6, Ram would have been paid off. And then

you can allocate the extra payment or more towards paying off the next one which is

MasterCard. So now instead of paying 2,000 pesos, you are paying 7,000 in additional

principal payment. So by the time you pay off MasterCard, now you have 10,000 a month

to pay off Visa.

So can you see now how you can really accelerate paying off your debts by doing it

this way? It’s a very simple technique. It’s very, very powerful and it works! Now the

question that could come up is “Hey Trace, what if I really made a lot of financial

mistakes and I can’t even afford to pay the minimum payment?”

Month 6

Ram MC Visa

Balance -- P50,000 P50,000

Payment -- P2,000 P1,000

Additional -- P7,000 ---

Month 3

Ram MC Visa

Balance P9,500 P50,000 P50,000

Payment P 950 P2,000 P1,000

Additional P6,050 --- ---


Well, there are several things that you can do.

Step 1: Cut down on living expenses.

Forego that wedding you’re planning or that vacation, those gimmicks. No

movies, no dinner out. For a while, seriously cut down on a lot of things. If you can

sell some of those doodads that you’ve accumulated over the years, do it. It will help

you to also get rid of all the clutter in your house as well.

Step 2: Renegotiate the debt.

Let’s say Christmas time comes along and instead of you buying all these gifts for

a lot of people, think about how you can still give them something but maybe not as

extravagant. So instead of buying all these doodads again using your Christmas

bonus, why not approach one of the credit card companies that you owe and

renegotiate your debt. As an example, you can call and say “Hey MasterCard, I owe

you 50,000 and I pay you 1,000 a month. What if I offer you cash NOW to pay off

that balance completely? So here’s my offer: I give you 10,000 pesos and consider all

the 50,000 debt gone.”

Some of you might be thinking, “Trace, no, that doesn’t work in the Philippines”

Well, it does work in the Philippines and I know because one relative of mine did

this. So I know that for a fact. And in fact, he did this not just once but several times

across the different credit cards that he had. So offering them a big chunk of money

upfront versus receiving their money in little increments down the road is always

tempting to them. It could actually be a Win-Win situation. Why? Because instead of

receiving a little bit of money on a monthly basis, they can receive a big chunk of

cash now and guess what? — They can write that loan off and they can lend again.


They can lend that 10,000 or 20,000 that you give them and they will make more

money so it can be a Win-Win situation.

Let’s say you a got a “No” when you offered 10,000 to pay off 50,000 which is 20

cents on the dollar arrangement. Let’s say they said “No” to that but they asked you

to pay 25,000 instead and they will write off your 50,000 credit card debt. Heck, go

for that if you can raise the other 15,000. So there’s really no harm in trying to

renegotiate your debt if your debt is just killing you. You might as well renegotiate

and see if you can get that paid off at a discount.

Step 3: Expand your means

If you’ve been trying to live below your means and yet you still have a lot of debt

and yet you tried renegotiating your debt and the creditor said “no” then now, you

have to expand your means. Learn how to buy real estate with “no money down.” It

happens all the time in whatever country you are, I don’t care where. I was just

talking with a fellow in Singapore and there’s a guru in Singapore who also teaches

people how to buy condos in Singapore with “no money down.” It happens in any

country, in any market, as long as homeownership is allowed, you can use the

techniques that I teach in order for you to buy a house “no money down” and sell

them quickly for quick cash. Like Jay Castillo here who made 140,000 pesos in cash

— that’s not the equity. That’s cash in his pocket in just 7 days. Think about it:

140,000 pesos in cash. What will it do for you right now? How much of your debts

will that pay off right now if you can generate that amount of money in a very short

span of time? And maybe right now you don’t believe it. But believe it. It is true. It is

happening all the time. You just have to get the know-how, get the right coach so that

you’d be able to succeed how Jay and my countless students all over the world are

doing it. You can become my next successful student if you just seek out the know-

how and the coaching.


Let me end this chapter in the same way that I started it which is basically to tell you

it’s high time for you to convert your stumbling block into your stepping stone. One of

the greatest motivational speakers of all time, Norman Vincent Peale, said, that “when

life throws a dagger at you…you can catch it by the blade or you can catch it by the

handle.”

So what does that mean? That means, yes, granted you have a lot of debt but so what?

Welcome to the real world. There are a lot of people with a lot of debt and yet they’re

able to turn their life around. See the thing is there’s always an advantage for every

disadvantage. You might be skeptical and thinking “what is the advantage of having a lot

of debt?” Well, having big debt forces you to simplify your life. That’s number 1. As I

said you’ll identify what are the really important things and needs that you have versus

your wants. It forces you to simplify, it forces you to make the right priorities. It forces

you to get rid of unneeded clutter in your home, your wardrobe, or the things that you

have. I’m sure if you just look hard enough, if you have accumulated a lot of debt, you

have a lot of stock and 90% of them are things that you don’t even use or see or enjoy. So

it’s high time to simplify your life and enjoy the things that really matter.

Now, big debt also forces you to think big. You’ve probably heard of this story before

but let me tell you the story again. Donald Trump, as

you all know, back in the late 80’s to early 90’s, got into

financial trouble. In fact, at one point in time, he was in

debt. His net worth became negative. Just personally

alone, not including the debt that his company owes to

creditors, he’s liable for 900 million dollars in debt.

Think about it. How much debt do you have in your

credit card? Do you have 900 million dollars in debt? I

bet, probably not! Now think about it. When Donald

Trump saw a beggar down the street in New York, he

said to himself: “This beggar is richer than I am.” That

beggar is richer that Donald Trump because he owed 900 million dollars. He’s $900

million in the hole and yet he utilized his big debt to really focus, really simplify his life,

focus on the things that are really important, focus on what made him rich in the first


place, and then really focus on executing and implementing what needs to be done, focus

on getting more deals done, and you know what? — In 5 years, he is actually richer than

before he got into financial trouble in the first place. If Donald Trump can turn his life

around, convert a negative 900 million dollars net worth into positive billions of dollars

net worth, why can’t you overcome a fifty thousand, eighty thousand, one hundred

thousand peso credit card or even a million pesos in debt? That is nothing. Again, realize

that big debt only gets the winners in life to think big and to turn their greatest adversity

into their greatest victory.

CASHFLOW CHEAT # 2 Set up an automatic debt repayment program. Stop thinking debt so you can focus on prosperity.


Chapter 2

The Secrets to a Six or Seven Figure Bank Account By Trace Trajano

“i think when it comes to investments my hindrance would be not having the capital to invest and people around me whom i trust telling me to STOP.. i guess i have to work hard so i will have enough money to capitalize on investments so I can share it with people who doens't believe investments like this.. I have to act FASTER!” – lawsher20’s comment on my blog – http://tracetrajano.com

In this chapter, I’m going to talk about how you accumulate a lot of cash and liquid

assets. We’re going to talk about not just cash but also stocks. It’s not just about your

bank account but also your brokerage account, your retirement account, you get the idea.

It’s about being able to accumulate a lot of liquid cash that you can tap into if and when

you want it.

What I advise people is there are 2 ways. You have the slow way and the fast way

and you need both. The Slow Way consists of 20 years or more. The whole idea is to save

a little at a time but to save regularly. This is how retirement funds are being funded

typically. That is withdrawing money from your account on a regular basis every single

month and using that money to buy certain number of stocks of certain companies and

you do that slowly. You need that as your foundation. On top of that are what I advise

people is that they need to learn how to generate cash very, very quickly through “quick

turn” real estate. I have students who made money in a few weeks, sometimes even in a

few days and I want you to learn how to do that in this e-book specially through the help

of Ronald and Weng Cagape — your Real Life Cashflow 101 Coaches.

So what’s the Slow Way?

The Slow Way starts with how much you earn. So the goal is to save 20% or more of

your “after tax” income. It’s crucial that you do that — anything less than that then

chances are you won’t be able to save enough for retirement. It’s preferred if you can

save more than 20%. Actually, my very first millionaire student became a millionaire not



through real estate but through business. He saves 50% of his after tax income. So it’s up

to you how quickly you want to become a millionaire, how quickly you want to succeed

financially. The more you can save, the better. But 20% percent savings is what I would

call the minimum because specially in the

Philippines, the inflation rate of 6-8% per year and if

you only save 10% of your after tax income then

guess what? — your real savings is only 4% after

inflation and 4% doesn’t really add up to a lot

specially once you get your money back after 20 or

30 years then you have taxes to worry about. So

really, you need to be saving 20% or more of your

after tax income.

Here’s the thinking I want you to have: you set aside this money and you should

never touch it. You treat it as a bill you have to pay. You don’t get your money back

when you pay bills, right? You pay for bills and that’s it. You should treat it in the same

way. You should never treat it as a pot of money that you set aside for emergencies. No.

You should set aside a separate emergency fund which financial advisors advise that 3-6

months of your living expenses should be in your bank account as a separate emergency

fund. So in case of emergencies, you can fund it. That is on top of your

retirement/investment account which is totally separate from your emergency fund.

I know a lot of us in the Philippines give money to our relatives and family and that’s

good. I suggest you set aside a separate fund for that altogether. I still send money to my

parents back home in the Philippines and I advise you to continue doing so but slowly, of

course, you need to win them out of being dependent on you by teaching them what

you’re learning in this e-book. For the mean time, I know some of you have relatives who

desperately need your financial assistance. That’s fine. But set aside a separate fund for

your own retirement because sooner or later — after 20 or 30 years, you will not be able

to work and you want to be prepared when that happens. You don’t want to be dependent

on someone younger than you hoping and praying that he or she will have the same kind

heart that you have who will support you in your old age. What if he or she doesn’t? Now

what do you do, right? So the old Filipino mentality of being dependent on other people


or our family for our retirement — you should remove that from your mind and how you

are able to do that is by setting aside a fund for your own retirement that you should

never, ever touch even in the case of emergency. Again, you should have a separate

account for emergencies altogether and a separate account for the relatives or family or

friends that you want to help out.

Here’s Why You Don’t Have a Six Figure Bank Account

Let me be blunt here. The reason why you don’t have a six or seven figure bank

account is because you are following this equation:

Your income minus the expenses equals your savings. You spend

the money first then you pray and hope that you will have the

willpower and the discipline of a saint in order for you to allocate

some money to your savings. The problem is expenses expand and

consume whatever income you have. That’s just the reality of life.

It’s very tempting to buy the next gadget, fancy cell phone, or eat out

at a nice restaurant because all your friends are doing that, to watch

the next movie on premiere night where you pay higher than usual because you want to

watch it before everybody else, to go on that vacation on a nice beach because all your

friends are doing it. It’s very easy to give in to these temptations, right? It’s just human

nature. So what happens is your expenses expand to consume all the income and the

result is you do not have any savings and then you kick yourself in the butt for having

NO savings at all. You think that budgeting will solve the problem. But the reality is

budgets are meant to be broken just how rules are meant to be broken. It’s the reality of

human conditions. It’s just you being human and you give in to all these temptations. Let

Savings = Income – Expenses


me tell you an alternative to budgeting. In fact, in my household, we don’t budget.

Here’s what you do:

Your expenses must be equal to what’s left after you deducted your savings from

your income. That is, as I said, you have to set aside your savings and you have to treat it

as a bill you have to pay every single month. This is how you will have a six or even a

seven figure bank account. You deduct your savings before you even spend your money.

This is a million peso or a million dollar formula. This will literally make you a million

dollars if you use this equation and you practice it, you implement it in your life.

The distinction between the two might seem minor here but this is really profound. If

you set aside your savings — let’s say you set aside 10% of savings every month, in the

beginning, it’s probably going to be hard for you to save 20% so just start with whatever

you can.

Start as low as 5%. Set aside that 5% or 10% or whatever you are comfortable with

and then you spend whatever is left. In fact, every month, you splurge and spend

whatever is left. If there is

5,000 pesos left, you blow that

5,000 pesos and you celebrate

because you know for a fact

that you have saved 5,000

pesos anyway. So that’s what

you do. And then next month, increase your savings to 6% and then 7% … 10% and

eventually until you reach 20% and you still feel comfortable saving even more, then do

that but spend all the money that is left. Reward yourself. Give yourself a pat on the back

because you are able to save money and the only way for you to do that is to save money

Expenses = Income – Savings


first before you spend money on expenses. This is what Kiyosaki mean when he said,

“you pay yourself first.” You set aside your savings first and then you spend what’s left.

This is very, very profound and if you truly understand this — if there’s only one

thing you can get out of this book, do this. You set up an automatic savings program in

the same way that you set up an automatic debt repayment program. The goal is 20% of

your after tax income and once you do that, then you’re assured that you have money in

the bank or in your brokerage account being saved every single month.

For example, if you just do this consistently, if you only save 5,000 per month every

single month at 14% per year (the long term return of the Philippine stock exchange is

14% per year) after 20 years, you will have almost more than 5 million pesos in your

account just by saving 5,000 pesos every month for the next 20 years. In 10 years, you’ll

be a millionaire. In 20 years or in 10 years afterwards, you’ll have more than 5 million

pesos. You just have to set aside 5,000 pesos every single month. And this assumes you

don’t increase your savings but I strongly suggest you increase your savings as you get a

salary increase in your job, as you learn how to buy and sell houses, you should definitely

increase your savings.

0

1000000

2000000

3000000

4000000

5000000

6000000

0 5 10 15 20 25Years


So again, set up an automatic savings program and then you spend whatever is left.

Now, that’s the Slow Way. You need the Slow Way, that’s your foundation. Now you

need to combine the Slow Way with the Fast Way.

The Fast Way

The Fast Way is you learn how to buy and sell houses. You learn how to buy houses

“No Money Down” and you learn how to sell them very, very quickly in a few weeks,

even in a few days.

For example, Thea Santos bought a 4-door apartment with “no

money down.” She did this while she was broke and then in just 14

days, she sold it to a landlord and made 260,000 pesos. What will

you do with an extra 260,000 pesos in your bank account today?

How much more debts can you pay with that? How much more

money can you fund your retirement account with if you can create a big chunk of cash in

just a few days. Maybe you won’t make it in just 14 days. Maybe it will take you a month

or maybe even two but how long will you have to work in your current job, how many

more months will you need to save in order to make or put an extra 260,000 pesos in your

bank account? Maybe it’s not 260,000 pesos. Maybe it’s only 100,000 pesos. So what?

That’s 100,000 pesos that you would never otherwise have had you not learn how to

create quick money relatively quickly.

The Fast Way is how I produced 5 millionaire students in just 3 years: Jessie and

Apple Raquel, Eden Dayrit, Ronald and Weng Cagape. They became millionaires

relatively quickly. Jessie and Apple Raquel became millionaires in just one year; Eden, in


just nine months; Ronald and Weng, in just two years. You can do the same. So read this

e-book and you will find out how you can become a millionaire very quickly and it starts

with learning how to generate quick cash — big chunks of change, so to speak — in a

relatively short span of time.

CASHFLOW CHEAT # 3 Save a part of your income first before you spend it: Expenses = Income – Savings Save automatically so you don’t have to think about it. Then your job is to spend what’s left and enjoy your money!


Chapter 3

How to Buy a Six Door Apartment Even if You’re Broke

By Ronald Cagape

“Currently I'm financially strained, I have credit card debts and two children in college. I've been praying everyday to be financially free and be financially intelligent but I don't know where to start. i don't have savings, me and my husband are working a full time job and I'm involved in a networking company selling supplements but still I can't both ends meet. Please help me how to do my finances right even with our small income. Thank you in advance.” – Anonymous’ comment on my blog – http://tracetrajano.com

Trace: I’m so excited to interview Ronald and Weng Cagape on how they’re able

to acquire their first deal even while they didn’t have any savings. I want

you to listen to this intently and learn the lessons that they have learned.

So you can apply it in your own real estate business, even if you don’t

have any real estate business at all and you might be in this situation: “I

have a lot of debt. I don’t have any savings. I basically gave up and think

that there’s no way for me to invest in real estate.” In this chapter, we will

prove you wrong. I’m interviewing Ronald and Weng Cagape here and

they’re in SM now. There’s no internet connection at their house because

of the storm that just passed by but they did this — they want to get this

done. We are committed in helping you, in teaching you that’s why they

had to travel far and go to a place where there’s internet connection.

Anyway, Ronald and Weng, how are you? Tell us more about this deal

that you have.

Ronald: This was our first deal. It was a 6-door apartment that we got from a small

bank. We negotiated for this for 8 months. It’s walking distance from a

major mall in Alabang — the Festival Mall. We got it for 3.5 million. The



bank asked for a 20% down payment — 10% upon acquiring the property

and another 10% after 90 days. At that time, we were just earning around

20,000 pesos per month and we did not have any savings. We were just

newly married. We had a lot of credit card debt from our wedding but that

did not stop us from acquiring the property. So what we did was we

pooled money from investors for the down payment and for the repair.

Within 1 month, we sold 3 out of 6 units immediately but we were not

able to sell the other 3 units. Our greatest fears were realized at that point.

We had this property that we’re supposed to pay another 10% down

payment and we were not selling half of the units. So what we had to do

was add water source because that was the problem with the property. We

were able to sell the first 3 units even without the water source but we had

to put up the water tank to sell the next 3 units. When we did that, the next

3 units were sold right away.

Trace: Nice. So what’s the profit you’re getting out of it now?

Ronald: Right now, we have passive income of around 20,000 pesos per month.

That is the rentals minus the mortgage. It’s already net of 20,000. That

was what we divide among us investors.

Trace: So it’s more than self-liquidating. That’s good.

Ronald: We’ve actually returned the original investment to our investors already.

Trace: Oh, you returned the investor’s money already. That’s nice. So now the

20,000 per month is yours? Do you get that 100%?

Ronald: Yes, that’s pure profit.

Trace: So what have you learned from this deal?


Ronald: Three things that we learned here… First, you really need to persist. Some

deals don’t come in the first 30 days, or in the first 90 days… but we

persisted and hang in there — we just did what we needed to do, we

looked at a lot of properties every month or so and that’s just it, we just

persisted.

The second thing is this: Investors Solve Problems. I believe this property

was not bought by a lot of people because there was no water source. In

that area, that’s an accepted problem. That was Alabang. But when we put

in the water source, that made the property stand out. Another lesson there

is if you solve problems, you make money.

And then finally, just do it. If you don’t do all the things that you read

from books or what you learned from all of the seminars that you attend or

all of the things that our mentors said, it’s useless until you just do it.

Trace: Right. And you were telling me the other day that even though you were

scared, you still did the deal and now you are enjoying the passive income

coming from the property.

Ronald: Actually, when we signed the contract, my hands were shaking.

Trace: (laughs) Yeah. It’s the same thing that happened to my on my very first

deal. I was thinking, “What am I doing?” It was like having buyer’s

remorse. Anyway, that’s really good so folks, there you have it. Even if

you don’t have any money, think about how you can use other people’s

money in order to acquire your first deal. Definitely, as Ronald mentioned,

we as investors, we get paid for solving problems and we don’t shy away

from “problem” properties. In fact, we love problem properties because as

we know, as long as we buy them at a discount or with the right terms, we

can make money from it by solving the problems. And lastly, as Ronald

said, just do it even though you’re scared. Just do it because nothing


happens until you do something. So if you want to get massive results, you

need to take massive action.

CASHFLOW CHEAT # 4 Learn how to use OPM – or Other People’s Money to accelerate your way to wealth building.


Chapter 4

How to Make P450,000 on One Real Estate Deal By Weng Cagape and Ronald Cagape

“I also have that fear of making a mistake. Even though the successful people say that having mistakes leads you to success, that road is still a risky road for me. What if I can't cope and get out of my mistakes? What if I get all my savings out just to cover my mistakes? I'll be left with nothing but mistakes. It's so hard to be optimistic knowing the risks that you'll be facing...” – Markrobe’s comment on my blog – http://tracetrajano.com

Trace: I’m going to talk to Ronald and Weng Cagape on how they’re able

to make — get this folks, 450,000 pesos on just one deal. I’m so

excited about this and you should be, too. You guys will realize at

the end of this interview that you can make money on real estate

even if you don’t have any money. You just need to do some

things right of some things in a specific way. So Ronald, you want

to talk about the deal?

Ronald: This property is an office condo in Ortigas Business Center. It’s in

Prestige Tower, along Emerald Avenue. Emerald Avenue is a

prestigious address in Ortigas. It’s one of the most sought-after

locations and a lot of call centers are located in that area. This

particular office condo is 150 square meters and the asking price is

8.2 M. The owners are U.S. citizens and they wanted to dispose of

this property because they were undergoing bankruptcy so they

needed the cash. They were asking 8.2M but the good thing about

this deal is that we got a lot of buyers for this property and they

entered into a bidding war so we were able to sell the property for

9.2 M. The buyer owns a call center company and he makes

around one million per month so he could easily bag this

investment in 9 months.



Trace: Nice. So did he pay for this property using “spot cash”?

Ronald: Yes.

Trace: Great. Weng, I know you are the one who actually worked this

deal out. How did you sell this property very, very quickly?

What’s the marketing that you put out there?

Weng: We marketed this property online through Craigslist, Sulit, and our

website. We also advertised in newspapers — Manila Bulletin,

Buy & Sell. Lastly, we posted ads on the Bulletin Boards in the

elevators on the same building which is where we got most of our

potential buyers who visited the property.

Trace: Nice. So that’s really targeted marketing right there. That’s good.

That’s the one which works best — offline marketing, just putting

ads on the Bulletin Board. Excellent. So what did you guys learn

on this deal and what can you tell a beginning investor on how

they can make money in real estate?

Weng: Of course, eXtreme marketing. You never know where and when

your buyer shows up.

Ronald: The second thing is you have to talk about your business. If you’re

in real estate, you have to tell people that you are buying and

selling real estate because we got this particular deal — this office

condo from our church mate. Before, we did not talk about our

business in church. But after we attended your seminar last

February, the first Think Rich Quick seminar, we started talking

about our business as you have advised. So we got this good deal

thereafter.


Trace: So imagine, how much more money did you not make by not

talking about your business? It’s very simple and yet most people

don’t do that so definitely putting out eXtreme marketing —

putting out multiple media marketed multiple times as Weng

mentioned, is very crucial to success and just doing COIN or

Centers Of Influence Networking — putting yourself out there

through word of mouth.

Weng: Yes. Lastly, a property builds a buyers’ list and from this property

alone, I received three offers and the owner got the best offer

among the three. And as a result, I have two more buyers to serve

— to find property for them.

Trace: So now you’re problem is looking for the right property for them

and it becomes an easier problem to solve versus having a property

that you can not sell. Most people have that concern. “What if I

have a property and I can not sell it?” So, what you did was great.

Thank you, Ronald and Weng. I myself have learned a lot from

what you guys did here. You guys are able to make a lot of money

very, very quickly just by applying very simple concepts.

CASHFLOW CHEAT # 5 Use COIN and eXtreme Marketing to buy and sell houses


Chapter 5

How to Sell a Condo in Two Days and Make P100,000 By Weng Cagape with Special Participation of Apple Raquel

“I guess the main reason I'm stuck in the rat race is I can't increase my means. I wish I could flip houses like you do, but I've learned I'm not a very good salesman. I tried being a real estate agent, and offered it everyone I know and everyone they referred me too. Some were interested but as of today I still haven't made a sale. How do you do it?!” – Vladimir Caluya, comment on my blog http://tracetrajano.com

Trace: Welcome to the Monthly Success Interviews where I interview my

successful students, franchisees, and readers of my book, “Think

Rich Quick.” This is a service provided to you by

BuyFirstDeal.com and today I’m going to interview Apple Raquel

and Weng Cagape on how they made not a lot of money on this

deal — but it’s a very quick deal. Literally, if you do the math, this

is a 1,000,000% return on investment. That’s just on Apple’s end.

Unfortunately, they did not photocopy the check so they just got

the cash and I have the picture in front of you right now. So Apple,

tell us about the deal and then Weng can tell us how she was able

to find the buyer so quickly.



Apple: A friend of mine who is also a broker just texted me and

mentioned that she knows of a motivated seller who is selling her

condo unit in Corinthian Executive Regency along Ortigas

Avenue. Initially, the selling price was 1.5 million but we tried to

negotiate the price and after knowing that the seller is really

motivated that she can give the unit at a very low price, I

immediately texted my co-franchisees. I’ve texted five of them and

Weng replied back saying she has a ready buyer — a cash buyer

for a unit in that condominium.

Trace: Nice. So Weng how did you find the buyer?

Weng: I’ve known this buyer for five years now. He’s an investor. I

update him regularly whenever I have deals so when Apple texted

me about the Corinthian Regency unit, I informed him (the

investor).

Trace: So basically, the buyer is already part of your network and you’ve

built that network of prospective buyers in the past that’s why you

found that buyer so quickly. That’s one of the things that I found

— the fastest way to sell a property is for you to have a buyer’s

database that you can utilize and once you know what they’re

looking for then it’s easier to find a property for them versus

finding a buyer for a property. So what have you guys learned

from this deal?

Apple: We have learned three most important things. The first one is the

importance of network. As they say, in business, it’s not only what

you know but it’s who you know. So for me, it was good to know

that I already have that image as someone who’s into real estate,

buying and selling properties which is the reason why my broker


friend informed me of that

condo unit right away. Not

only rely on networking but

we also need to know the

needs of our buyers and sellers

and pre-qualify them as well.

Second, always take

immediate action. They say

that when the idea is still hot,

you must act immediately. In

this case, if I didn’t act and

neglected that text message, I may not have gotten the deal. So it

was good that I immediately texted my co-franchisees and found

out Weng has a ready buyer for it.

Trace: Right. You guys sold this in 2 days. It’s pretty amazing. And the

third one is “Cash is King!” What do you mean by that?

Apple: As you, our mentor, always say that cash is king. We realized that

it’s really important for the buyer’s side because the buyer was

able to get a very good deal. He bought that very nice unit below

market value and he was able to do that because he has ready cash.

So that is really an advantage.

Trace: And it’s better to deal with buyers like that — what I call hot

buyers. For those of you watching this video thinking “how will I

be able to find buyers like those?” you need to learn what I call

eXtreme marketing. You will be surprised just from your own

network alone — if you just ask for referrals, you might be

surprised when people refer you buyers who have the ready cash to

buy properties. So Weng, any last things you want to say?


Weng: I have nothing to add.

Trace: Alright. Thanks, Apple and Weng. Congratulations on this great

deal. I know it’s not a lot of money but it’s quick, in-and-out, no

risk and you guys sold it in 2 days. So with that folks, go to

BuyFirstdeal.com for more success stories like this and I’ll talk to

you soon.

CASHFLOW CHEAT # 6 To sell quickly, build your buyers’ database first.


Chapter 6 The Ultimate Cheat: Getting a Cashflow 101 Real Life Coach

By Trace Trajano

“…many others I've read about are so fortunate to have had a mentor that could be their pillar of strength and wisdom. Plus, I get the feeling that these mentors probably did a little bit of ass-kicking to get them moving. As for me, I may have to kick my own ass but I know that once that 1st step presents itself, I'm in.” – Vito’s comment on my blog – http://tracetrajano.com Three years ago, I met Ronald and Weng Cagape. They did not have any savings. They made some stupid financial mistakes and they were deep in bad debt. Instinctively, Ronald and Weng both knew there has to be a better way. They want the best for their son Johan. When they met me, they learned some powerful “Cheats” to winning in the game of money. You see...achieving financial success is a game...and just like any other game, there are “cheats” or ways to win the game. Ronald and Weng will show you those “cheats” in a moment. But first, what gives Ronald and Weng credibility to teach and coach you about these “cheats” to winning the game of money? Hmmm...Let me count the ways. Three years of my mentoring and coaching and let’s look at what Ronald and Weng have achieved... 1. They are now millionaires 2. They receive passive income (or income that comes in without working) every month 3. They’ve paid off their bad debts and 4. They now have multiple streams of income One of the things that trap people in the Rat Race and lose in the game of money is BIG Debt. Maybe you have BIG debt. Maybe you’ve bought stuff for your home...or you bought that dream vacation using your credit cards. Or maybe you’ve made a bad investment decision using borrowed money. Whatever the case maybe, there is a way out of BIG debt. When I interviewed Ronald and asked him about the problem of debt, he said, “Debt can be scary. But I use the problem of having a lot of debt to motivate me to earn more.” For most people, the problem of BIG debt becomes a stumbling block to financial freedom. Ronald and Weng turned their stumbling block into a stepping stone.



How do you do the same? Resolve right now that you will learn how to earn MORE money. A lot more. Ronald continues, “Also, what most people don’t know is that you can buy real estate even with no money down. You can use other people’s money as well.” “When we started, we did not have any savings”, Ronald adds. And despite not having any savings, they were able to acquire a 6-door apartment as their very first deal. “Had I not had the courage to acquire that deal...or had I let not having any money stop me from acquiring that property, I would not be enjoying the passive income from it right now. You might be saying, “That’s nice. BUT what if I acquire a property with no money down and I can’t rent it fast enough? I can lose money if I do that, right?” That’s a valid concern and here’s one of the things that I emphasize with Ronald and Weng when I first taught them how to invest in real estate. I told them to simultaneously buy-and-hold multi-door apartments AND buy-and-sell houses and condos too. You see, the “Cheat” for ensuring you can invest in real estate with as low of a risk as possible is the following formula:

CASHFLOW CHEAT # 7 You buy and sell houses and condos for CASH AND then you buy and rent multi-door apartments for CASHFLOW and LONG TERM WEALTH. If you only have CASH by buying and selling houses you won’t build long term wealth. If you only rent properties for cashflow and long term wealth, pretty soon, you will run out of cash that you can use to buy multi-door apartments. Combined, you can continue buying and keeping apartments (and you can also buy more deals) to help you become a millionaire a lot sooner than you think. Robert Kiyosaki calls this approach “Power Investing” - and is the key to helping Ronald and Weng to become millionaires just 2 years after meeting me.

In the previous chapters, I’ve shown you what Ronald and Weng have done. I convinced them to start teaching what they know as well. My life’s mission is to help create a million Godly millionaires by the year 2020. This is the reason why I wrote my book “Think Rich Quick”…and the reason why Bo Sanchez even endorsed my book and supports me in my life’s mission. The only way for me to train a million millionaires is if I can get my successful students like Ronald and Weng to start teaching and coaching other people as well.


However, Ronald and Weng are busy enough as they are and the last thing they want to do is “baby sit” some students. They can not just teach you the real estate business, you have to work IN their business and deliver real results for them. You will deal with real properties that you have to market and sell...you will deal with real buyers, real sellers, and real tenants. You will even deal with private lenders or private investors. You will deal with real situations and you better make Ronald and Weng real money or if NOT, you will be kicked out of the program really, really quickly. You see, this coaching program or what I call the Real Life Cashflow 101 Coaching Program (because you will be playing the game Cashflow 101 in real life) is NOT for the faint of heart. This program is NOT for people who are just curious about real estate investing. If you are dead serious in making serious money in real estate and you will work hard at this, then this program is for you. You are now probably saying, “Trace, the Real Life Cashflow 101 Coaching Program sounds good and I really want to be your student but what will this program cost me?” Before I discuss with you the investment you’re going to make, let me just give you a preview of what you’re going to get as a member of the Real Life Cashflow 101 Coaching Program. The first thing you’re going to get is ME… every single month. I will spend 60-90 minutes with you in an online LIVE Q&A and Coaching Session. You get to ask me any questions you may have. You can even have me analyze a property on the spot and I will tell you, LIVE, whether it’s a good deal and even how you can acquire the property with no money down. My rate is P10,000 if you want to consult with me for one hour. The value of spending 60-90 minutes with me is at least P12,500 every month (if not more). The second thing you’ll get from me is an eBook every month. Just one idea from one of these eBooks could change your real estate investing forever. Every eBook is worth P5,000 if not more. Here are just some of the eBooks you will get as a member (you get 1 eBook a month): Mindset of Millionaires – everyone needs to read this, several times…even daily for you to think like a millionaire so that your ability to attract money will grow! No Risk Wholesaling – this is where I discussed the details on how to do affiliate real estate marketing. Learn Your Market – in this eBook I revealed how I failed in my first real estate deal because I did not understand the market and how you can avoid the same mistake!


How to Find Buyers – in this eBook I revealed the four types of buyers for any real estate deal, how to find these buyers and how to talk to them! You will also learn how to attract CASH buyers or buyers like what Weng and Apple found who paid cash for their property on the spot (or SPOT cash buyer)! How I’ve Raised $1 Million on One Deal – in this eBook I revealed how I raised capital for my BIGGEST real estate deal to date – I revealed how I did it – no holds barred. Most likely, you will NOT need to raise $1 Million on one deal but the secrets you will learn from this eBook will help you raise capital for all of your real estate deals. How to Find Great Deals – you need this eBook because I detailed step-by-step how to find good real estate deals or properties that will put money in your pocket. Foreclosures are just one type of real estate deals but there are others which a lot of real estate investors don’t know about. Getting this eBook will put you ahead of 99% of beginning real estate investors out there because you can find good deals other than foreclosures. How to Do Due Diligence – I’ve made money in real estate but I’ve also lost money in real estate! In real estate deals where I’ve lost money I did not do the “due diligence” which you will learn how to do when you get this eBook. Getting this eBook will help you avoid multi-million peso mistakes! Not only do you get me every month live in an online Q&A session and an eBook delivered to you every month, you will also get me EVERY WEEK via email! Once you sign up in the Real Life Cashflow 101 Coaching Program I will send you a real estate tip right in your email inbox every single week. In fact, you will likely get more than 1 email from me weekly (in some cases, I email my students daily!). I am doing this to ensure you get powerful real estate wisdom every week and you don’t have to wait for the Q&A coaching session or the eBook to get it. This is worth at least P5,000 every month in value. Oh and yes, let’s not forget: you’ll get access to properties you can sell and do affiliate real estate marketing with. By having properties that are ready for you to sell, you can make money in real estate very quickly. You don’t have to spend time looking for properties, making countless offers…talking to a hundred unmotivated and unrealistic sellers before finding that one good deal from a desperate seller. You see when you enroll in this program, you get to practice what you learn immediately and more importantly, you make money with the knowledge NOW. You cannot get this opportunity just by reading stuff online. The other benefit of this for you is you get to build your buyers’ database without risking any of your own money in a real estate deal because you don’t own the property. Then all you need to do is find properties for your buyers so you can make money without any risks!


Lastly, as I said earlier, you will get to work in Ronald’s and Weng’s real estate business. You will be trained in 10 different functions like Acquisition, Sales, marketing to buy houses online, marketing to get investors, etc. I will personally train you through pre-recorded videos. It took me more than 10 hours to record these videos and you get 2 videos every month. That’s P20,000 in value every single month! You will get hands-on guidance from Ronald and Weng (as your local coaches) on the specific things you can do to grow their business. AND by helping them make money, you learn and you also earn money as well! So let me summarize the benefits for you: 1. You get me LIVE every month in a Q&A and Coaching Session – value:

P12,500/month 2. You get 1 eBook every month – value: P5,000/month 3. You get a real estate tip once a week – value: P5,000/month 4. You get properties to sell – value: Priceless 5. You get to work in Ronald’s and Weng’s real estate business going through 10

different functions – value: P20,000 per month TOTAL VALUE: P42,500++ per month Your investment is a mere $100 (or peso equivalent) when you pay via credit card or paypal or P5,000 when you pay via direct bank deposit. Here’s the thing: given the limited time that Ronald and Weng have to spend with students, we can only accommodate 20 students in this program. That’s right. Only 20….and once we reach 20 students, we’re going to close the program. Now…just keep in mind that Ronald and Weng are taking a BIG risk by accepting students and have them work IN their business. They are going to rely on you for results. That’s why this program requires 6 months of commitment as a minimum. If you quit before the 6 months is up - say you only stay for 2 months – you’re still liable to pay for the remaining 4 months. If you think you will not be able to devote serious time and effort into this, then by all means DO NOT sign up. Frankly P5,000 every month is the cheapest way to get me, Ronald and Weng as your mentors. If you cannot afford that amount, you have two choices: 1. Give up and be content by reading books about real estate or getting free

information on the internet. If you choose this option, keep in mind that 93-97% of beginning real estate investors who just read books fail to acquire even one investment property. I am not making this up (google it and find out). There’s a high failure rate for beginning investors who don’t have coaches or mentors. Having a coach or mentor on the other hand ensures you avoid the mistakes they have made and get you moving in the right direction quickly!

2. Re-arrange your lifestyle and finances and figure out how you can afford it. One of my mentors said that if you cannot afford a coaching program or mastermind program, then all the more you cannot afford NOT to have it. The


money you’re going to make by knowing what to do and implementing them will enable you to afford the high tuition or membership cost of the Real Life Cashflow 101 Coaching Program.

If you’re still on the fence…let me make this a No Risk proposition for you: If you sign up in the Real Life Cashflow 101 Coaching Program and even after applying everything I taught you to do over the next 12 months and you have not sold and made money on a single property, I will give you all your money back ($100 x 12 = $1,200) no questions asked. No ‘guru’ makes a 12-month guarantee (but of course, you have to prove you’ve applied what we’ve taught you) but I do because I KNOW my stuff works if you apply them. Dedicated to your success, Trace Trajano P.S. Ronald, Weng and I are dead serious in limiting the membership to just 20 people. If you are dead tired of the rat race and you want to become financially free, sign up HERE at http://CagapeCoaching.com to become one of our 20 students! P.P.S. If you’re reading this past July 19, 2010…chances are the Real Life Cashflow 101 Coaching Program is most likely closed. However, feel free to sign up at our waiting list at http://CagapeCoaching.com

CASHFLOW CHEAT # 8 Get coaches and mentors to ensure and accelerate your success.

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Documents

eBook Cashflow 101 Cheatsheet