CashFlow Comunity

Toti cauta sa afle unde naiba si-a pus banii la munca pentru ca scrie asa de bine in cartile lui.

Trebuie neaparat sa-mi pun si eu banii alaturi de el ca sa beneficiez de castiguri maxime cu riscuri minime.

Numai ca Robert Kiyosaki e cu un pas inainte. Este mai usor sa aplici tehnicile descrise de Kiyosaki, alaturi de strategiile tale financiare zilnice, din acest moment, pas cu pas, decat sa alergi dupa castigul imediat (*TUNul*). Pentru ca cei mai multi descopera ca nu stiu prea bine ce e educatia financiara, am organizat un forum de discutii despre de strategiile kiyosakiene.

Pentru detalii, 0745.77.95.66 sau lasa un mesaj aici

CashFlow® 101
Este un program complex cuprinzand CD-uri audio, o caseta video si un board game (760 x 560mm) care te invata cum sa-ti optimizezi strategiile financiare, de creditare si investii, intr-un mod atractiv, impreuna cu prietenii.
detalii


CashFlow® for Kids
Este mai usor sa explici copiilor tai cum sa invete sa se descurce financiar. Acest joc ii invata cum sa aplice principiile cheie care ii ajuta sa iasa din cursa sobolanului (rat race) cand vor fi mari.
detalii




CashFlow® 202
Pasul urmator. Un intreg arsenal de tehnici avansate care te invata cum sa obtii castiguri pe bursa, din imobiliare si sa-ti formezi o echipa. Descoperi cum sa faci bani pe o piata in crestere sau care coboara rapid si sa obtii un profit in orice conditii.
detalii



mai multe discutii... pe grup.

Unde investesc? Hai sa discutam pe grup

Steve Blair, our new hotshot graphic designer and uber gadget dude, created a time lapse video of a full day at the Rich Dad Company. The vantage point is from a floor lamp in front of Steve's desk. You can see many people pop in and out throughout the day including Robert and me (striped shirt)!

1. Cont la Banca Raiffeisen
a) Iti deschizi un cont in lei sau valuta la Raiffeisen sau alta banca. Contul in lei te va ajuta sa-ti scoti banii direct din bancomat (ATM) fara alte conversii.
b) Soliciti un card pentru plati electronice (tip VISA electron).


2. Cont la Banca MoneyBookers
a) Iti faci un cont de email (ex: yahoo.com / gmail.com.) Daca vrei iti poti deschide mai multe conturi de email la provideri diferiti.
b) Te inscrii cu una din aceste adrese la Banca MoneyBookers. Completeaza ATENT, cu date REALE. Iti poti face un singur cont pe numele tau. Alimentarea acestui cont este acceptata doar din contul titularului.
c) Vei primi intr-un email un link pe care trebuie sa dai click ca sa-ti activezi contul.
d) Intra in contul tau de MoneyBookers, adauga-ti in profil si cea de-a doua adresa de email (daca ai). Vei primi apoi un link pe care trebuie sa-l vizitezi la fel ca si pe primul)
e) In maxim 24 ore vei primi un raspuns. Adresa ta a fost verificata.


3. Retragerea banilor


mai multe discutii... pe grup.

Unde investesc? Hai sa discutam pe grup

Probabil platesti mai mult decat ti-ai fi dorit. De cativa ani chiriile au crescut artificial in Bucuresti iar cei afectati nu sunt doar studentii.
Exista insa o solutie ca sa-ti recuperezi o parte din bani.

Care?
Convige-ti proprietarul garsonierei sa-si deschida cont la Banca Moneybookers, apoi deschide-ti un cont personal la ei si transfera banii de chirie prin MoneyBookers.com.

Si ce-i cu asta?


mai multe discutii... pe grup.

Unde investesc? Hai sa discutam pe grup

Here is almost an entire day at Rich Dad compressed into just over a minute. As you can see we don't just sit around on our butts all day.

Trei stiri scurte

1
Sambata de la 16:30 vom face un CashFlow 303 experimental cu cei care au jucat si ajuns macar o data pe FastTrack in 202. Maxim 6 locuri cu mine inclusiv. Fara spectatori :) Voi prezenta la inceputul jocului noile cartonase cu Deals-uri. In invitatie vor fi mai multe detalii.
De data asta e free. Mai incolo... nu cred.



mai multe discutii... pe grup.

Unde investesc? Hai sa discutam pe grup

Picasa a lansat recent codul pentru Embed Slideshow. Marimea o poti seta cum vrei din variabilele width si height. Eu am ales 230 si 196 pentru widget-ul din dreapta iar pentru articole am pus 460 cu 360


mai multe discutii... pe grup.

Unde investesc? Hai sa discutam pe grup

De ceva timp cochetez cu widget-ul meebo. Mi se pare o solutie destul de rentabila pentru comunicarea online.

Am pus varianta fara media player. Copy/paste in blogul tau. La subsolul blogului o sa gasesti chat roomul WorldStream.

<br/><div align='center'><div style='width:760px'/></div>

Cate telefoane de la consultanţii de asigurari sau alti consultanti in vanzari primesti pe zi?
Doua? Sapte?
Unul pe saptamana?

Ieri seara "stateam la o vorba" cu un bun prieten si partener de afaceri care se plangea de persoanele care il suna in mod repetat si insistent ca sa-i vanda ceva.
Ca raspus, el tot incerca sa fie dragut si sa le spuna cu nu este interesat de serviciile lor.
Un simplu nu, nu este suficient :) i-am spus. Cei care fac Cold Calling nu renunta daca le spui nu. E normal sa fie asa :D

Bine, dar cum sa scape de ei, pentru ca asta voia.
Le zici asta, dupa ce trec de partea ce vor de la tine:
"Bun, am inteles despre ce e vorba, dar in momentul asta nu sunt interesat. (punct)
Stiu un prieten care s-ar putea sa fie interesat de treaba asta. Iti dau numele lui, poate te ajuta. Am ACORDUL lui ca sa-i pot da numarul de telefon (btw: e foarte important acest lucru). Noteaza numele: Horia Faliboga si mobilul: +40745.xx.yy.zz
Si NUMAI daca intreaba ii mai spui:
Este consultant la o companie de software. Atat. (punct)
Exista cold call-eri care se multumesc doar cu un nou lead si te lasa in pace."

Bine-inteles ii lasi timp sa-ti raspunda cand zici ii spui toata povestea asta. :)

Deci, pentru cei care nu stiti cum sa scapti de Cold Call-eri, tocmai v-am dat o solutie, (for free) sa scapati de spam-ul de pe telefoane.
Da, stiu, sunt nebun sa fac asta pe grup. :D

In Anglia se tin cursuri platite pentru cei care vor scape de abordari "la rece" prin orice metode. Noi suntem abia la inceput :)

Although this week has been kind of quiet around the office with Robert and Kim being in South Africa, I have been quite busy with a couple of things. First, I started a CASHFLOW® the E-Game club/group. The purpose of the group is to get as many people as possible online together at least once a week to play CASHFLOW® the E-Game online against each other. For those of you who have never heard of or played the game, it is a very fun game that has changed many peoples lives. It changes your thinking at the very basic level, almost without you even knowing or thinking about why or how it is changing your thinking. I guess some would say it affects you at a sub-conscious level. Since playing it, I now recommend it to everyone I know, of all ages.

Here are the links for anyone interested in purchasing the CASHFLOW® 101 or 202 E-Games.

CASHFLOW 101 the E-Game:
http://www.myaffiliateprogram.com/u/connect/b.asp?id=18093&img=game_egame_101.jpg&p=product.asp?id=E101

CASHFLOW 202 th E-Game:
http://www.myaffiliateprogram.com/u/connect/b.asp?id=18093&img=game_egame_202.jpg&p=product.asp?id=E102

The other thing I started to do this week is get the ball rolling on my first real estate investment. I am starting very small, but I am starting! It was very strange timing, but the other day I went to look at the property over my lunch break and when I got back I had a message from a girl in my CASHFLOW® group. She was feeling stuck, she knew she wanted to do something in real estate, just wasn't sure where to get started. The problem I saw was that she was scaring herself out of starting at all. She was afraid of waisting time on a bad deal, afraid of a mortgage company ripping her off, not sure where to look, etc. My advice to her was to stop thinking and just do something. At least get out there and start looking at places. Start feeling out mortgage companies and if you can, compare that against friend's and family member's mortgages. Just get out there and start doing something! If you sit and think about all of the things that could go wrong you will never accomplish any of the things that could go right.

The five days of Rich Dad seminars I just attended were extremely mind stretching. Not only did I learn a ton from Robert Kiyosaki and all of the presentors, but I learned even more from the attendees. During the ten minute breaks given every so often, lunches, dinners, and even in the hotel bar at night is where I really got to expand my knowledge. The ability to sit and talk to so many people about what they learned was absolutly priceless. We were all in the same conference room and were all given the same exact information during the seminars, but every person translated that information quite differently. For every lesson taught in the seminar I was able to get ten more just by listening to what the other attendees had learned from those lessons.

To be able to get ten lessons out of a single lesson requires the ability expand your context. One of the main lessons of the entire five days was that of content and context. This is basically the difference between the information you are given (content) and your ability to obtain that information (context). You can be given all the information in the world, but it does you no good if you do not have the capacity to obtain and use that information. People who think they are always right are a perfect example. They are always right so anything new or other peoples ideas on the same subject must be wrong and they dis-regard it. Those people simply do not have the ability or are un-willing to expand their context in order to fit more content.

Another great lesson I took from these seminars is that I do not have to know all the answers or be the best at everything. Having that mindset is like wearing cement shoes while trying to run a marathon. Yes, you can still run the marathon, but you will be working a million times harder than everyone else. Being able to admit that you do not know everything and are not the best at everything allows you to see that there are way smarter people than you out there that can and are willing to perform the tasks you need to be performed much better than you ever could and much faster than you ever could.

Now that I know and have come to terms with that lesson I can start to focus on building a team of people who are far smarter and more efficient than I am. My goals have not changed a single bit, but how I reach them has changed forever. I no longer have to work my butt off trying to know and do everything, I simply find the people who already know what I want to know and who are experts at doing what I want done. To go back to my marathon analogy, having a great team built is like running that same marathon in a sports car.

The 5 days of Rich Dad Seminars are over and my brain is severely swollen. I learned a ton and had even more fun doing it. As you can probably imagine, Chris Venn caught a lot of crap throughout the five days as it was 5 Mac's against his lonely PC. Although, he does have a very nice calculator...
In light of the anomaly I came up with a spoof of the Mac vs. PC adds.

At the 3-Day Business School there was quite a battle in the back of the room...



And we had some great fun with it...

I love the rating one Yahoo! Finance reader gave Roberts latest article:

"RK haters prove his commentary is provocative by making him the most rated "Expert", garnering 5 to 10 times the votes of the others. Only the mighty Ben Stein competes. I guess there are that many people making money from the mutual fund establishment that need to spend their time rating RK."

The article was published yesterday and already has been rated over 2100 times. Now, most of them are 1 star (the worst), but that is the whole point. Feedback.

Solvabilitatea pe termen lung se refera la capacitatea unei afaceri de a rambursa dobanda si principalul aferente creditelor pe termen lung luate. Sunt doi indicatori folositi pentru a evidentia solvabilitatea: unul se refera la capacitatea afacerii de a rambursa dobanda aferenta creditului pe termen lung iar cel de al doilea are in vedere capacitatea de rambursare a principalului.

Indicatorul pentru dobanda compara suma venitului disponibil pentru plata dobanzii si suma datorata ca si dobanda. Venitul disponibil nu este altceva decat castigul inainte de dobanda si impozit pe profit (EBIT).
Formula pentru indicatorul de acoperire a dobanzii este:           EBIT      
                                                                               Cheltuieli cu dobanda

Indicatorul care evidentiaza capacitatea unei firme de a returna principalul este Gradul de Indatorare (debt to equity ratio). Structura de capital pe termen lung a unei afaceri este alcatuita in principal din imprumuturi pe termen lung si din participatia actionarilor.

Gradul de indatorare = Total imprumuturi pe termen lung
                                                   Total capital

Imprumuturile pe termen lung sunt de obicei garantate cu active detinute de societate si au prioritate la plata (chiar si inaintea drepturilor asociatilor). Din acest motiv cei care acorda credite pe termen lung au un grad ridicat de siguranta in ceea ce priveste restituirea sumelor la data stabilita si in cuantumul stabilit (suma restituita nu depide de cat de mare este profitul sau pierderea societatii).