ATM Workbook

ATTRACTING
THE MONEY™
21 STRATEGIES FOR ATTRACTING THE MONEY AND FUNDING THE DEAL

When it comes to “closing the sale”, the last thing a salesperson wants to hear is “I can’t afford it!” or “I don’t
have the money.” Unfortunately, the “no money” excuse defeats far too many sales professionals. For this
reason, I created A.T.M.™ -‐ 21 Strategies For AJracKng The Money And Funding The Deal.

You’ve most likely heard of the old English adage, "Where there's a will, there's a way.” This simply means that a
person with determinaKon will find a way of doing something. The key to AJracKng The Money is to find the
dominant buying moKve for the client. Once you do that, then Funding The Deal is just a maJer of which
method works best.

With A.T.M.™, AJracKng The Money and Funding The Deal has never been easier! Once you master these
powerful and proven financing strategies, you’ll be able to close more sales and make more money—as if you
have your own A.T.M. (Automated Teller Machine) in your living room or office!

I have used many of these strategies personally and have benefited greatly as a direct result. These strategies
have helped me pay off debts, buy my first home, purchase investment real estate, pay for advanced training
and higher educaKon, buy new cars, fund start-‐up businesses, and more. Whether you use these strategies
personally or help your clients purchase your products and services, A.T.M.™ will keep your cash flowing!

AJract The Money and Fund The Deal!

Cheri Tree
CEO, Global XTS
Author, A.T.M.™

ATTRACTING THE MONEY™
INTRODUCTION
INVESTMENT ASSET STRATEGIES
I.  The Author’s PerspecKve on Money
II.  Advice From Rich Dad 13. Stocks / Mutual Funds
III.  ROI Investment Formula 14. Individual ReKrement Accounts (IRA)
IV.  The Rule of 72 15. 401 (K) Loan
V.  Credit & Debt 16. Life Insurance Cash Value Loan
VI.  Credit Scores & Worthiness
VII.  Disclaimers
SOCIAL LENDING / PEER-‐TO-‐PEER (P2P) LENDING
STRATEGIES
CASH & CASH EQUIVALENT STRATEGIES
17. Prosper.com
1.  Checking / Savings Accounts 18. LendingClub.com
2.  Cash Equivalents

FRIENDS & FAMILY FUNDRAISING STRATEGIES
CREDIT CARD FINANCING STRATEGIES
19. “Love Money”
3.  ExisKng Credit Cards 20. Private Loans
4.  New Credit Cards 21. Crowd Sourcing / Fundraising

FINANCIAL INSTITUTION & INVESTOR LOAN
STRATEGIES CREATIVE FINANCING BONUS STRATEGIES

5.  Unsecured Signature Loan 22. Garage Sale
6.  Secured Collateral Loan 23. Craigslist
7.  Home Equity Line Of Credit (HELOC) 24. Pawn Shop
8.  Refinance / 2nd Mortgage 25. E-‐bay AucKons
9.  Small Business AdministraKon (SBA): Loans / 26. Cash Advance / Payday Loan
MicroLoans 27. ConsulKng / New Product Launch
10. Credit Card Merchant Reserves 28. VacaKon Day Cash-‐out
11. Student Loans 29. Timeshare Exchange
12. Angel Investors / Venture Capital 30. Sky Miles
31. Reward Points


INTRODUCTION

I.  THE AUTHOR’S PERSPECTIVE ON MONEY

From a young age, I’ve been fascinated by money. In the 6th Grade, I was given the assignment to write a report
on “What I want to be when I grow up”. My report was about being a stock broker. Two decades later, I joined
one of the largest financial companies in the world and received training and licenses for dealing with money. I
received my SecuriKes License, Insurance License, and dealt with all types of investments, reKrement accounts,
mutual funds, money market accounts, insurance policies, unsecured debts, mortgages, credit, etc. I’ve
consulted countless clients and had millions of dollars in Assets Under Management for my clients.
In addiKon, I became interested in real estate and investment real estate, and studied everything I could on the
topic. I have personally invested in real estate and at one point controlled a property porrolio worth millions of
dollars.
Today, one of my favorite investments is in businesses. I love being an entrepreneur. I love creaKng intellectual
property that I can sell for an incredible ROI, Return on Investment. That being said, creaKve financing has
played a crucial role in my own success as an entrepreneur. I haven’t always had the luxury of having endless
cash at my disposal to fund the next deal. I am a product of my own product, A.T.M.™.
My journey to success has been an interesKng one, filled with ups and downs. I have made millions, and lost
millions. I have had good credit, bad credit, and no credit. I have been debt free and bankrupt. All of this has
led to an incredible life experience with money, or the lack thereof. I have learned along the way to respect
money, but also not to be afraid of losing money. I’ve learned a lot about money, invesKng, credit, risk, and
when an opportunity jusKfies creaKve financing. A few of the best investments that I’ve ever made were made
with OPM, Other People’s Money. Money is simply a tool, and how you use and leverage that tool can be
incredibly rewarding.
In short, don’t feel bad if you have to get creaKve with money to finance something that’s worthwhile, even if
you have to go into debt for it. There’s a difference between ‘good debt’ and ‘bad debt’. Be smart about what
you’re purchasing or invesKng in, and then get creaKve about how to pay for it. There’s nothing to be ashamed
of in doing so, and that is why I created this A.T.M.™ product! I love helping people live their dreams, which
otenKmes requires access to cash!
" P.S. When you see this liJle green money bag, it’s an important Kp to help you. So here’s my first Kp:
If you’re ready to achieve financial income milestones at a whole new level, then be sure to invest in
our other powerful training systems. The B.A.N.K.™ Personality Sales Training System is an absolute
must for any sales professional, as is our next product coming to market, C.O.I.N.™, Center Of
Influence Networking. J

II.  ADVICE FROM RICH DAD

One of the best pieces of advice that I ever received was from my “Rich Dad”, Robert Kiyosaki, author of Rich
Dad Poor Dad. He said, “Never take financial advice from someone more financially messed up than you are.”
Unfortunately, I’ve seen many people take bad advice from people they love and trust … and most of the Kme
these “advisors” are related to these people (parents, spouse, friends, in-‐laws, siblings, etc.) I’m sure they had
good intenKons, but I’d encourage you to do your own due diligence and consult with experts that are more
successful that you. This is why I highly recommend invesKng your Kme and money into reading the enKre Rich
Dad series, including Rich Dad Poor Dad and Cashflow Quadrant.
In his books, Robert Kiyosaki shares his philosophy on money, invesKng, borrowing, financing, etc. One of the
biggest “aha” moments that I’ve experienced on my own financial journey was learning the difference in thinking
between the poor, middle class, and rich: When it comes to purchasing or invesKng money, poor & middle class
people say “I can’t afford it”. Rich people say “How can I afford it?” This simple, yet profound thought process
disKncKon has literally helped me make millions of dollars and achieve financial milestones that were only a
fantasy beforehand.
On your own journey towards financial freedom, you’ll be faced with many opportuniKes, many of which will
require access to funds or creaKve financing. I encourage you to make decisions based on what will bring you
the best return on your money or other people’s money.
III.  ROI INVESTMENT FORMULA

When it comes to making a decision about spending or invesKng money for anything, I use a simple formula to
help me make sure that I’m making a good decision. The formula is based on earning an ROI, Return On
Investment. This was taught to me by Brian Tracy, a world class mentor, speaker, and trainer. He taught me that
if my ROI was greater than the cost of the product (service, training fee, etc.), that it was a good decision to
make the investment. In other words, a good rule of thumb to follow is this: if spending money will make me
money, it’s worth doing. (Not everything you buy will meet this criteria.)
Technically, the ROI number doesn’t maJer, as long as it a posiKve number. In a more formal explanaKon,
www.Investopedia.com explains the definiKon of 'Return On Investment -‐ ROI'
A performance measure used to evaluate the efficiency of an investment or to compare the efficiency of
a number of different investments. To calculate ROI, the benefit (return) of an investment is divided by
the cost of the investment; the result is expressed as a percentage or a raKo. The return on investment
formula:

ROI = (Gain from Investment – Cost of Investment)

Cost of Investment

IV.  THE RULE OF 72

During my Kme as a financial advisor, I learned about a fascinaKng concept called “The Rule of 72”. This was a
principle based on how quickly your money can double over Kme, based on the interest rate.
According to www.Investopedia.com, here’s the definiKon of the Rule of 72 and how it works:
A rule staKng that in order to find the number of years required to double your money at a given interest
rate, you divide the compound return into 72. The result is the approximate number of years that it will
take for your investment to double.

Here’s the formula:
Years to double = 72 / Interest Rate

For example, if you want to know how long it will take to double your money at 12% interest, divide 12
into 72 and you get six years.

" The reason this is so important to me is because there have been Kmes when I have pulled money out
of different investment accounts, even reKrement accounts, in order to fund a deal. Using the Rule of
72 as a guideline, if I pulled money out of an investment account earning 6% interest, I would have 12
years to use that money with the goal of simply doubling the amount that I withdrew to basically
match the equivalent of leaving it in the investment vehicle, untouched. As long as I was doing
something producKve with my money (building a business, buying training that made me beJer, etc.),
I would come out ahead nearly every Kme. The key is to put that money back in to replace it, at the
doubled value, within the scheduled 8me frame.
RULE OF 72

# OF YEARS TO DOUBLE YOUR MONEY
12%
8%
6%
4%
2%
0 10 20 30 40

V.  CREDIT & DEBT

Using credit to purchase or finance a deal is standard pracKce. As a maJer of fact, even wealthy people use
credit instead of their cash, so that they leverage someone else’s money, ideally at a lower rate than their return.
Credit allows you to “buy now and pay later”. Using credit can be a powerful way to finance business start-‐up
costs, educaKon and training, sotware, etc. For those that have the discipline to pay their debts on Kme,
leveraging credit can be a great way to finance your purchase and fund the deal.
However, using credit can also lead to accumulaKng debt. Spending credit to purchase things that are
“doodads” (or depreciaKng assets) can result in an excessive accumulaKon of debt that accrues interest and
becomes challenging to pay off. The typical credit card amorKzes over a 22-‐23 year period, which means it takes
that long to pay off, based on minimum payments. For someone with liJle or no discipline or cash flow, this can
be a dangerous thing, which is why advice oten suggests that one should avoid ge|ng into debt.

" The key is to know when to use credit and get into debt. Remember the principles of ROI when
making your decision. If using credit can help you make more money than the cost to borrow that
money, it can be considered a “good debt”. If you’re going to use credit for a “bad debt” (or
“doodad”), it’s a good idea to have that same amount of money in cash reserves, or a plan and
budget to pay back the debt at an accelerated rate.
VI.  CREDIT SCORES & WORTHINESS

Because using credit is a common way to fund the deal, I want to share some important informaKon with you
about your credit scores, credit reports, and credit worthiness.
According to www.CreditScore.net, your credit is your financial reputaKon. Before you can have access to many
financial products and services, your credit will be checked. Your credit is a record of the way you have handled
your money obligaKons in the past, and what sort of credit risk you represent. If you have a high credit score,
you are considered a low risk, and you are likely to be approved for services with favorable terms. If your credit
score number is lower, you are likely to be viewed as a threat of default. For those who aren’t denied outright,
the penalty is oten paying a higher cost.

Understanding the relaKonship between your credit report and your credit score is important if you want to
succeed financially. While the exact formulas used to determine your credit score are considered proprietary
informaKon, it is sKll possible to learn a liJle bit about different credit scoring systems, and get an idea of how
they measure you.

VI.  CREDIT SCORES & WORTHINESS CON’T

The most common credit scoring models you run into are based on the score developed by the Fair Isaac
Company: the FICO score. If you visit www.myFICO.com, you will find that the FICO score is, at its most basic,
weighted according to five different factors:

1.  Payment History: This is whether or not you make your payments on Kme, and includes reports of missed
payments from non-‐credit enKKes, like uKlity companies and landlords. Your payment history accounts for
35% of your FICO score.
2.  Credit UNlizaNon: How much money you owe maJers. This looks at how much money you owe, and also
considers how much you owe as a percentage of the available credit you have. The more you owe, the lower
your credit score. Your credit uKlizaKon accounts for 30% of your FICO score.
3.  Length of Credit History: There are two consideraKons with your credit history. FICO considers how long you
have had a loan of any kind. Also considered in the formula is the average age of your loans. So, the length of
Kme you have had each of your loans is added up and divided by the total number of loans to get an average.
The longer your history, the beJer your credit score. Your credit history accounts for 15% of your FICO score.
4.  New Credit: Have you applied for a new credit account lately? Have you taken on new debt? Both of these
factors figure into the “new credit” porKon of your credit score. If you are applying for more credit, or if you
have just opened a new loan account, it can send your FICO score a liJle bit lower. Your new credit accounts
for 10% of your FICO score.
5.  Types of Credit You Have: Finally, the FICO credit scoring model considers the different types of loans you
have. It looks at credit cards (and whether they are issued by a major bank, or by a department store),
mortgages, auto loans, payday loans and other types of credit. Payday loans count heavily against you in this
secKon of the formula, while major bank issued credit cards are generally considered posiKve. The scoring
model recognizes the importance of having a mix of installment loans, which are paid off on a regular
schedule, and revolving loans, which – like credit cards – are open accounts that allow you to keep borrowing
as long as you haven’t reached your limit. The types of credit you use accounts for 10% of your FICO score.

VII.  DISCLAIMER

Content in this training product provides general informaKon and advice only. It has been prepared without
taking into account your objecKves, financial situaKon or needs. Before acKng on this advice you should consider
the appropriateness of the advice, having regard to your own objecKves, financial situaKon and needs.

This informaKon is NOT intended to replace professional financial, legal or tax advice customized to meet an
individual's specific circumstances. Although we do our best to share various financial strategies to fund the deal
and make sure the informaKon is accurate and useful, we always recommend and encourage you to first consult
with a qualified professional to assure appropriate guidance for your specific situaKon.

Neither Global XTS, it’s partners, employees, trainers, independent contractors, affiliates, nor the author Cheri
Tree assume any responsibility for the content or accuracy of any informaKon here nor undertake any obligaKon
to update any of the informaKon provided. The user must accept sole responsibility associated with the use of
the material, irrespecKve of the purpose for which such use or results are applied. The informaKon is no
subsKtute for professional or financial advice.


CASH & CASH EQUIVALENT STRATEGIES

1.  CHECKING / SAVINGS ACCOUNTS

A.  The most common place that people keep their cash is in the bank, in their checking account. Money
held in a checking account is very liquid, and can be withdrawn using checks, Automated Teller
Machines (ATM) and electronic debits, among other methods. A checking account balance typically
maintains enough to cover the monthly bills, plus a basic reserve. If the product purchase is for a high
Kcket item, then your client may need to tap into their savings or other reserves.
B.  Another common place to store money is in a savings account. OtenKmes people will put their
excess cash monies for short term savings in a savings account or even a Money Market account. It’s
fast and simple to transfer money from savings to checking in order to purchase more expensive
items.
2.  CASH EQUIVALENTS

A.  First, let’s talk about cash … real cash. Believe it or not, there are sKll a lot of people who have a
decent pot of cash that’s not kept in the bank. It may be in jars full of coins, or bills rolled up and
hidden in the maJress, freezer, or even the back yard. OtenKmes, your clients may not think of this
money during the sales process. Don’t forget about the “piggy bank”!
B.  Cash equivalents are assets that are readily converKble into cash, such as money market holdings,
short-‐term government bonds or treasury bills, marketable securiKes, or commercial paper. Your
clients may have uncashed checks or money orders, or even git cerKficates or git cards from
birthdays or holidays. Cash equivalents are disKnguished from other investments through their short-‐
term existence, since they mature within 3 months.
C.  Another cash equivalent can be coins or precious metals like gold and silver. These assets can also be
easily converted into cash, and the amount can be substanKal. And by the way, with the price of gold
on the rise, this is not a bad idea. A lot of people have old gold jewelry that they don’t even wear any
more that could be fairly valuable. This is an asset that can be leveraged to purchase a product or
investment that can have more value to them now.
" I once had a client purchase a $10,000 product with her gold coins. She was so excited to take acKon
that she literally showed up at my office with the coins. I had to ask her to convert those to standard
cash before I could accept her payment! J


3.  EXISTING CREDIT CARDS

A.  The quickest and most popular way to pay for a product or service is with a credit card. Most
merchants accept the four big credit card vendors: Visa, Mastercard, American Express, and Discover.
Even when your client has cash or a cash equivalent to pay for your product, it’s usually best and
fastest to have them pay with a credit card.
"   Suggest that your client pay with a credit card that has sky mileage or some type of rewards points.
This will help them jusKfy the use of their credit cards. Earning the rewards is someKmes just the
thing to help your client decide to make the purchase now, rather than later.
"   One of my clients wanted to purchase a product from me but didn’t have enough credit on any one of
his credit cards. I told him we could accept mulKple cards to pay for the product. He came up with 7
different credit cards to pay for the enKre balance! Don’t be afraid to ask your clients to do the same,
if your product is worth it.
B.  If your client doesn’t have enough credit on their exisKng credit cards to purchase your product, you
can recommend to them that they call their credit card provider and request a raise of their limits. If
your client has a good payment history and their debt-‐to-‐income raKo is in check, the credit card
companies are generally willing to raise the limits. It’s best to ask for more than they need, so they
don’t max out their cards.
"   I’ve personally called on my own cards had the limits raised as well. I’d always rather have more
access to credit than less. In one case, I raised a $5,000 limit to $20,000. In another case, I raised a
$20,000 limit to $70,000. As long as you make your payments on Kme or pay off your balances oten,
credit card companies actually appreciate your business!
4.  NEW CREDIT CARDS

A.  “One man’s trash is another man’s treasure.” Have you ever heard of this? Think about how many
people get credit card offers in the mail and they immediately shred them and throw them away as
“junk mail”. Well, for others, ge|ng an offer is the best news of their day! If your client needs to
come up with more funds, and they have decent credit, they can apply for a new credit card and be
ready to transact with you within 2-‐3 weeks. (Apply online: www.CreditCards.com)
" One tricky way to do it is to apply for several cards with different companies at the same Kme. Each
respecKve credit card company won’t know that they’ve applied simultaneously with another vendor
and they can potenKally get 2-‐5 cards within a few weeks, each with their own limits. Likewise, if
married, husband and wife applying individually can oten get more credit than applying jointly. J


4.  NEW CREDIT CARDS (CON’T)

B.  If all else fails, borrow someone else’s credit card. You’d be surprised at how many people are willing
to help you out, if you ask and are responsible. (We’ll talk more about this under the Friends & Family
secKon.)
" I’ve personally borrowed money from my friends or family on their credit card to purchase training.
In one case, I borrowed from my brother so that I could aJend a training cerKficaKon to help me with
my business. He lent me several thousand dollars because he believed in me and knew I was a hard
worker. I paid him back, plus bought him a laptop as a thank you git. We both won from this deal! J
" Another Kme, I wanted to launch a new business and needed $20,000. At the Kme, I didn’t have it, so
I asked a good friend if I could borrow it on her credit card and promised to make the monthly
payments unKl I could pay it off in full. Within six months, she was fully paid back, plus a significant
amount more. Launching this business is what made me a Millionaire. I’m so glad I asked for help! J
" Here are my final thoughts on credit cards. 1. I personally love using them. 2. Many people don’t like
using credit cards because they are afraid of ge|ng into debt. 3. There are smart ways to use OPM
(Other People’s Money). 4. If I have cash in the bank and a credit card with plenty of available credit,
I’ll use my credit card t purchase my product, however I do it wisely. 5. I try to use cards with 0%
interest and if possible, reward points as well. 6. Banks would rather see me have liquid cash in the
bank, especially when I have credit card debt. 7. If I pay with a card that charges interest, I make sure
that I’m buying an asset or training that will return more in profits and revenue than the cost of the
interest. 8. Many entrepreneurs bootstrap their businesses with their personal credit cards. It CAN
be a very smart and strategic way to finance your way to success. 9. Be smart about credit and be
responsible. Know yourself. If you need help controlling your use of credit, get the help you need.
" P.S. If you’re looking for a great way to get cash back on every purchase, we have found an incredible
resource that offers its members up to 2% cash back, plus addiKonal member benefits. This strategy
has altered the way I shop and spend money on a daily basis. If you’d like more informaKon, send us
an email and we’ll share our strategy with you: info@ATTRACTINGTHEMONEY.com.

FINANCIAL INSTITUTION & INVESTOR LOAN STRATEGIES

5.  UNSECURED SIGNATURE LOAN
Most banks and credit unions offer unsecured loans, also called signature loans or personal loans. These loans
are oten used by borrowers for small purchases such as computers, home improvements, vacaKons or
unexpected expenses. It can also be used to purchase your products and services. An unsecured loan means the
lender relies solely on the borrower's promise to pay it back. Due to the increased risk involved, interest rates
for unsecured loans tend to be higher than secured loans, but may be suitable if the lender wants a short-‐term
loan (one to five years).
"   I’ve have many of my clients apply for a signature loan at their bank or credit union. It can take as
liJle as 24-‐48 hours to be approved and receive the funds. It generally requires an applicaKon, ID,
good credit, and just a signature — and the loan can be for $20,000 or more. SomeKmes it’s best to
get a signature loan to pay off credit cards, so that there are fixed payments and not revolving debt.
5.  SECURED COLLATERAL LOAN
A secured loan is a loan in which the borrower pledges an asset as collateral for the loan, which then becomes a
secured debt owed to the creditor who gives the loan. This type of loan is even easier to get than an unsecured
loan. Your client will oten have assets that have equity that can be used as collateral. These can include:
•  Car / Truck •  Jet Skis •  CollecKbles

•  Boat •  ATV •  AnKques
•  Motorcycle •  Equipment •  Other Valuables
"   Every now and then, you might find as asset from your client that you would like to own. They may
make you an offer you can’t refuse, if they want to purchase your product or service badly enough.
One of my peers had a client trade a motorcycle for his services. Both of them were excited to do the
trade, and they both received a great value.


7.  HOME EQUITY LINE OF CREDIT (HELOC)
A Home Equity Line of Credit (HELOC) is a loan against the equity in a home, and the homeowner can borrow
against that equity as line of credit. This is a great opKon if your client doesn’t want to do a total refinance or 2nd
mortgage on the home.
"   I’ve had many of my clients over the years use a HELOC to pay for large purchases. A HELOC loan is a
beJer type of debt than a credit card debt. In addiKon, there can be some tax advantages to using
this type of debt. If you client owns a home and has some equity, this could be a great opKon.
7.  REFINANCE / 2ND MORTGAGE
A.  If your client owns a piece of property (their own home or investment real estate), they can consider
doing a complete refinance on their property. This could allow them to restructure their debt,
payments, interest rate, etc. and receive a lump sum of cash to pay for your product or service.
B.  Another opKon is to do a 2nd mortgage, which means they can leave their first mortgage in place, and
borrow against the addiKonal equity in the home and receive a lump sum check.
"   Keep in mind that it’s important to be very careful how this money is spent. There will be payments
required against a HELOC or 2nd mortgage, and could result in the loss of a home, so make sure your
client gets some financial advice in the process.
8.  SMALL BUSINESS ADMINISTRATION (SBA): LOANS / MICROLOANS

A.  The Small Business AdministraNon (SBA) is a U.S. government agency that provides support to
entrepreneurs and small businesses. SBA loans are made through banks, credit unions and other
lenders who partner with the SBA. These loans are designed to help established businesses grow
bigger and can have a loan value between $2-‐5M. These can be difficult to get. A microloan may be
more appropriate.


9.  SMALL BUSINESS ADMINISTRATION (SBA): LOANS / MICROLOANS (CON’T)

B.  The Small Business Jobs Act increased the maximum amount of SBA microloans from $35,000 to
$50,000. These are offered through non-‐profit microloan financial intermediaries. The SBA website
(www.SBA.org) says that the SBA’s Microloan Program provides small businesses with small short-‐
term loans for working capital for the purchase of inventory, supplies, furniture, fixtures, machinery
and/or equipment. SBA makes funds available to specially designated intermediary lenders, which are
nonprofit organizaKons with experience in lending and technical assistance. These intermediaries
then make loans to eligible borrowers in amounts up to a maximum of $50,000. The average loan size
is about $13,000. ApplicaKons are submiJed to the local intermediary and all credit decisions are
made on the local level.

10.  CREDIT CARD MERCHANT RESERVES

If your client has a merchant account that they use for business, they may have access to addiKonal money in the
form of reserves. Some merchants hold 10-‐20% of the transacKon revenue processed through the merchant
account as a way to reduce risk. If the client has been doing business with the merchant for a period of Kme and
has a low risk track record, the merchant may be willing to release the reserves that they have, which could
amount to thousands of dollars.
11.  STUDENT LOANS
One way to get access to funds is to go back to school. What’s cool is that your client can enroll in just a single
class online and qualify for private student loan money up to $20-‐30,000. This money can be used for living
expenses as well, and not just educaKon costs. (www.privatestudentloans.com)
"   I’ve seen a number of clients choose to use this opKon, take a class that helps them with their
business, and qualify for private student loan money that they used parKally for business expenses.
It’s important to follow the guidelines of using this money, but this can be a creaKve way of accessing
addiKonal funds.


12.  ANGEL INVESTORS / VENTURE CAPITAL

A.  Your client may be trying to raise more money for their business growth, and qualify for Angel
funding. Angel capital fills the gap in start-‐up financing between "friends and family” seed funding,
and and venture capital. Although it is usually difficult to raise more than a few hundred thousand
dollars from friends and family, most tradiKonal venture capital funds are not able to consider
investments under US$1–2 million. Thus, Angel investment is a common second round of financing
for high-‐growth start-‐ups.

"   Qualifying for Angel capital requires preparaKon and planning. The good news is that there are a
number of Angel investor groups across the country and they are moKvated to find great start-‐up
businesses that can show promising returns. Recommend to your clients that they do their due
diligence if they are hoping to raise money from Angel investors. (www.angelcapitalassociATIon.org)
B.  Venture Capital (VC) is financial capital provided to early-‐stage, high-‐potenKal, high risk, growth start-‐
up companies. The venture capital fund makes money by owning equity in the company it invests in.
The typical venture capital investment occurs ater the seed funding round as a growth funding
round. If your client owns a hot start-‐up company that is on track for hyper growth, then VC funding
may be the right opKon.
"   Very few businesses qualify for venture capital. Venture capital is aJracKve for new companies with
limited operaKng histories that are too small to raise capital in the public markets and have not
reached the point where they are able to secure a bank loan or complete a debt offering. In exchange
for the high risk that venture capitalists assume by invesKng in smaller and less mature companies,
venture capitalists usually get significant control over company decisions, in addiKon to a significant
porKon of the company's ownership (and consequently value). Be sure your client is ready to give up
ownership if they choose to use this opKon of funding. For more informaKon, visit
www.growthink.com and/or www.entrepreneur.com.


13.  STOCKS / MUTUAL FUNDS

Your client may have access to non-‐qualified investments in a stock or mutual fund porrolio. Although this
money may be managed through an official financial advisor or stock broker, it is fairly common today for people
to manage their own non-‐qualified investments in an E-‐Trade account, or something similar. If your client has
access to this type of money, they can request to sell shares or stocks and cash out a porKon or all of their
account balance and have access to that money within a week.

"   Non-‐qualified plans are those that are not eligible for tax-‐deferral benefits (reKrement plans).
Withdrawing money from these types of accounts first is generally beJer than withdrawing money
from a qualified reKrement account. Be advised that withdrawals from non-‐qualified plans are taxed
when income is recognized.
13.  INDIVIDUAL RETIREMENT ACCOUNTS (IRA)

An Individual ReKrement Account (IRA) is a form of reKrement plan that provides tax advantages for qualified
reKrement savings in the United States. There are several different types of IRA accounts, including Roth IRA,
TradiKonal IRA, SEP IRA, SIMPLE IRA, and Self-‐Directed IRA. There is also another subtype of IRA account called a
Rollover IRA. Your client can access any of these types of accounts at any Kme, but there are rules and
consequences to withdrawing qualified funds. Be sure to have your client speak to a qualified financial advisor
so they select the opKon that is best for them.

"   There is a really cool provision that allows IRA owners to borrow money from their IRA for a 2-‐month
period of Kme in a calendar year. Savvy investors learn how to access their qualified funds in the
form of a loan and can use that money to buy anything, from a down payment on real estate to
buying a car or even shopping for Christmas presents. The IRA owner needs to simply put that money
back into their account within the 60 days. This opKon requires planning and discipline, but is an
excellent opKon for short-‐term access to cash on an annual basis.
"   DistribuKons from IRAs prior to age 59½ can be subject to a 10% penalty in addiKon to federal and
state taxes, depending on the type of IRA account. StarKng at age 59½, your client can begin taking
money out of their reKrement accounts without penalty, although taxes may be due.


15.  401 (K) LOAN

A 401 (k) loan is a loan against a qualified reKrement account with an employer. Many employers allow their
employees to borrow money from their 401 (k) plans. Make sure your client knows the rules and understands
the potenKal advantages and disadvantages of a 401 (k) loan before they withdraw the money. Here are a few
facts about 401 (k) loans, and some of the advantages to borrowing money from this type of account. (Note,
there are also disadvantages, so advise your client to consult with a professional.)
1)  Borrowing Limits. In general, your client can borrow the lesser of $50,000 or one-‐half of their
reKrement plan balance. To accept the loan, they must typically agree to begin paying back the loan
during their next pay period. Most oten, this is done via an automaKc deducKon from their paycheck.

"   I’ve worked with many clients in the past who have used 401 (k) loans to pay for things. This can be a
great place to access money, and pay yourself back over Kme. If paying the payments out of a
paycheck affects your client’s budget, you can suggest to them that they can raise their number of
exempKons to the max, which means they’ll take home more pay in their paychecks, and the excess
can pay the payments back to their 401 (k) loan. If the money they are spending with you is tax
deducKble, then it could be a wash come tax Kme. Be sure to have them talk to a CPA or financial
professional for advice.
2)  Loan Length RestricKons. Unless your client uses the money to acquire a home, they must pay the
loan back over five years or less. If they borrow the money so they can purchase a residence, the
length of the loan may be significantly longer.
3)  Advantage 1: No Credit Check Required. No credit check will be performed if your client requests a
401(k) loan since they aren’t actually borrowing money. Instead, they are temporarily tapping their
reKrement funds. Since no enKty is loaning them money, there is no need to check their credit.
4)  Advantage 2: Interest Rate. Regardless of your client’s credit score, they’ll pay a compeKKve interest
rate. The rate is oten in the neighborhood of prime, consistent with typical consumer loans. BeJer
yet, they’ll pay the loan, including the interest, to themselves-‐ not to a bank. The enKre amount of
each loan repayment goes straight to their 401(k) account.


15.  401 (K) LOAN CON’T

5)  Advantage 3: Low or No ApplicaKon Fees. Since a 401(k) loan isn’t a true loan, any applicaKon fees are
usually minimal or non-‐existent. Your client simply needs to call the HR department or the financial
insKtuKon managing their 401 (k) plan to iniKate the loan process.
16.  LIFE INSURANCE CASH VALUE LOAN

A.  Cash-‐value life insurance, such as whole life, universal life, variable life, etc. builds reserves through
excess premiums plus earnings. These reserves are held in a cash-‐accumulaKon account within the
policy. Cash-‐value life insurance offers the opportunity to access cash accumulaKons within the policy
either through withdrawals, policy loans, or parKal or full surrender of the policy. Another alternaKve
involves selling your policy for cash, a method known as a life seJlement.
B.  If your client elects to borrow against their cash value policy, the loan may be subject to interest at
varying rates, depending on the terms of their policy. However, they are not obligated to financially
"qualify" for the loan. The amount they can borrow is based on the value of the policy's cash-‐
accumulaKon account and the contract's terms. The good news is that borrowed amounts from non-‐
MEC (Modified Endowment Contract) policies are not taxable, and your client won’t have to make
payments on the loan, even though the outstanding loan balance might be accruing interest. The bad
news is that loan balances generally reduce the policy's death benefit, meaning your client’s
beneficiaries might receive less than originally intended.

SOCIAL LENDING / PEER-‐TO-‐PEER (P2P) LENDING STRATEGIES

One of the hoJest new trends to hit the financial lending market is known as “Social Lending” or “Peer-‐To-‐Peer
Lending” (P2P). Peer-‐to-‐peer lending does not fit cleanly into any of the three tradiKonal types of financial insKtuKons
(deposit takers, investors, insurers) and is someKmes categorized as an alternaKve financial service. The development of
the market niche was further boosted by the global economic crisis in 2007-‐2010 when person-‐to-‐person lending plarorms
promised to provide credit at the Kme when banks and other tradiKonal financial insKtuKons were having fiscal difficulKes.
The modern peer-‐to-‐peer lending industry in the U.S. started in February 2006 with the launch of Prosper, followed by
Lending Club. Peer-‐to-‐peer lending (also known as person-‐to-‐person lending, peer-‐to-‐peer invesKng, and social lending;
abbreviated frequently as P2P lending) is the pracKce of lending money to previously unrelated individuals or "peers"
without the intermediaKon of tradiKonal financial insKtuKons (banks). It takes place on online lending plarorms that are
provided by peer-‐to-‐peer lending companies on their websites and is facilitated by credit checking tools of varying
complexity.
Most peer-‐to-‐peer loans are unsecured personal loans, i.e. they are made to an individual rather than a company and
borrowers do not provide collateral as a protecKon to the lender against default.
Most peer-‐to-‐peer intermediaries provide the following services:

•  An on-‐line investment plarorm to enable borrowers to aJract lenders and investors to idenKfy and purchase
loans that meet their investment criteria
•  Credit models for loan approvals and pricing
•  VerificaKon of borrower idenKty, bank account, employment and income
•  Credit checks for borrowers and filtering out unqualified borrowers
•  Payment processing from borrowers and apporKoning those payments to the lenders who invested in the loan
•  Loan servicing, providing customer service to borrowers and aJempKng to collect payments from borrowers
who are delinquent or in default
•  Legal compliance and reporKng
•  MarkeKng to find new lenders and borrowers

Peer-‐to-‐peer lenders offer a narrower range of services than tradiKonal banks and may not be required to have a banking
license to operate in some jurisdicKons. Banks fund loans with money from depositors or money that they have borrowed
from other sources; the depositors are not able to choose which loans to fund. Peer-‐to-‐peer loans, in contrast, are funded
by investors who can choose the loans they fund; someKmes as many as several hundred investors fund one loan. Because
of these characterisKcs, peer-‐to-‐peer lenders fall under the heading of non-‐banking financial companies.
Reasons for peer-‐from-‐peer borrowing range from educaKon and mortgage loans, and business funding to vet bills and
weddings, the most popular loan being debt consolidaKon. In 2006, there were $269 million of outstanding peer-‐to-‐peer
loans, and, in 2007, a total of $647 million. The projected loan amounts from 2010 was $5.8 billion.
"   You may have clients who cannot or will not borrow money from friends and family. Social Lending or Peer-‐To-‐
Peer Lending may be a great alternaKve to borrow money when tradiKonal financial insKtuKons aren’t an
opKon. A great resource to learn more about P2P Lending is www.LendAcademy.com.

SOCIAL LENDING / PEER-‐TO-‐PEER (P2P) LENDING STRATEGIES

17.  PROSPER

Prosper (www.Prosper.com) is a market leader in peer-‐to-‐peer lending—a popular alternaKve to tradiKonal
loans and invesKng opKons. They cut out the middleman to connect people who need money with those who
have money to invest...so everyone prospers!
Here's how it works:

•  Borrowers choose a loan amount, indicate a purpose and post a loan lisKng.
•  Investors review loan lisKngs and invest in lisKngs that meet their criteria.
•  Once the process is complete, borrowers make fixed monthly payments and investors receive a
porKon of those payments directly to their Prosper account.
Prosper offers fixed rate, "fully amorKzing", unsecured loans from $2,000 to $25,000. Loan terms of 1, 3
and 5 years are available, depending upon Prosper RaKng and loan amount. Along with aJracKve rates,
these loans are offered with no penalKes for paying the loan off early or for making parKal prepayments.

"   To set up an account with Prosper, go to www.ATTRACTINGTHEMONEY.com/Prosper.
18.  LENDING CLUB

Lending Club (www.LendingClub.com) is an online financial community bringing together investors and
creditworthy borrowers so that both can benefit financially. By removing the bank from the lending process,
they make it possible for investors to earn a higher return and for borrowers to get a lower rate on personal
loans. Since 2007, investors have earned an average net annualized return of over 9.5%, and borrowers have
reported great savings. Lending Club is a well-‐funded, established company and a clear leader in the fast-‐
growing peer-‐to-‐peer lending market.

Here's how it works:

•  By allowing its members to directly invest in and borrow from each other, they avoid the cost and
complexity of the banking system and pass the savings on to its members. Both sides can win: beJer
rates to borrowers and beJer returns to investors.
•  Approved borrowers can borrow up to $35,000.
•  At Lending Club, there are no hidden fees or charges. Your client can join Lending Club and apply for a
loan free of charge, and they only pay an originaKon fee if their loan request is granted.


19.  “LOVE MONEY”

“Love Money” is money that is borrowed from friends or family and is generally based on a strong relaKonship
with the borrower. Depending on your client’s credit worthiness, they may be able to borrow money from this
source. If they have a history of paying back previous loans in a responsible way, then chances are they will be
able to borrow again. However, if your client has burned a few bridges along the way, then borrowing money
from the same lenders may not be an opKon.
Here are five Kps you can give to your clients if they will be asking friends and family for funding:
1.  Choose a strategy. Decide whether they want to borrow a lump sum from one single person, or
borrow smaller amounts from mulKple people.
2.  Choose an investment type. Your client may be asking for a loan with payment terms, or offer an
equity stake in their company (if the funds are being used to finance a business venture). Your client
may even ask for a financial donaKon or git.
3.  Write out the presentaKon. Whether it’s just a simple one-‐page presentaKon, or 10+ page business
plan, it’s beJer to have the offer in wriKng. This will help keep the presentaKon professional and
have clear terms and objecKves.
4.  Stay professional. When dealing with people they know well, there is a tendency to want to keep
agreements informal out of concern that official documents might make things feel less friendly.
However, there’s a way they can stay a liJle casual, but sKll professional. Your client may want to
consider a resource that can help structure, document and manage loans or investments from friends
and family.
5.  Manage expectaKons. A posiKve side of borrowing money from friends and family is that they are
typically more paKent that tradiKonal financial insKtuKons or investors. That being said, it’s
important that the borrower set up proper expectaKons and Kmelines for loan payments and stay in
frequent communicaKon. No one wants to lend money and be kept in the dark.
"   I have borrowed money from friends and family in the past, and have also lent money. One of the
biggest lessons I’ve learned is to make the lender beJer off because of lending the money, whether
it’s paying them interest, giving them some free product, or doing something special for them. They
will feel respected and valued, and may lend again in the future as well.


20.  PRIVATE LOANS
A.  Borrowing money from a family member or friend can someKmes be tricky. On the one hand, your
client can eliminate a lot of service fees and secure a beJer rate when they borrow money from
someone they know. Unfortunately, bad feelings can arise if there are late payments or
misunderstanding about the terms of the loan. www.LendingKarma.com is a site dedicated to
formalizing and tracking personal loans to prevent these types of problems. Your client can purchase
loan packages that track all loan payments, create legally binding documents and provide online
payment tracking. A professional loan arrangement, such as those provided by Lending Karma can
help take some of the headaches and heartaches associated with personal loans out of the picture.

Lending Karma is a San Francisco based company that is focused on providing services that help
facilitate person-‐to-‐person lending. Here’s how it works:
1) Calculate a payment schedule that works for both the borrower(s) and the lender(s).
2) Clearly define and document all loan terms.
3) Track the loan all the way through repayment with payment tracking and friendly email
payment reminders.

"   Lending Karma is one of the coolest concepts I’ve every seen for doing personal loans with
friends and family. Their fees for official loan paperwork are nominal, and for $29.95 or $59.95,
your client can have all their financial terms documented into a legally binding contract with
the lender. This helps the lender feel more confident, and brings good karma to the deal! J
To learn more about their services, go to www.ATTRACTINGTHEMONEY.com/LendingKarma

B.  Lend Friend (www.LendFriend.com) is another online resource that can help your client create and
manage loans with their friends and family. With Lend Friend, the borrower’s interest rate isn't
calculated by a machine. As a borrower, your client can work with their loan partner to find the
perfect interest rate that works for everyone. No more high interest loans that are meant to keep
them in debt. With Lend Friend, your client can iniKate a loan in 3 simples steps:
1)  Make a proposal. Your client will need to define terms, including how much to borrow, the
interest rate they’re willing to pay, the term of the loan and payment schedule.
2)  Share the proposal. Your client will need to share their proposal with their friends and family
and Lend Friend will facilitate this process via email.
3)  Finalize the loan. Once a lender agrees to the terms of the loan proposal, your client will be
able to finalize the loan and receive access to their requested funds.


21.  CROWD SOURCING
Crowd funding or crowdfunding (alternately crowd financing, equity crowdfunding or hyper funding) describes
the collecKve effort of individuals who network and pool their resources together to fund a project, business, or
other acKviKes. With today’s internet capabiliKes, coupled with the new “social currency” that individuals have
access to using the power of their social network, crowd funding creates more possibiliKes for your clients to
raise money than ever before. Here are a few sites that you can recommend to your clients as a way to raise the
money needed to fund your offering:

1)  40Billion.com, Inc. (www.40Billion.com) is the entrepreneur's micro-‐funding plarorm, facilitaKng
business capital fundraising from the entrepreneur's social network of friends and family online. They
are addressing a $40 billion gap in small business and startup funding by providing an online plarorm
for social micro-‐funding networks (a.k.a. crowdfunding, social funding, microfinance, "love money",
person-‐to-‐person lending, social lending) so that more entrepreneurs can have access to affordable
business financing.
2)  GoFundMe (www.GoFundMe.com) launched in 2010 and is a do-‐it-‐yourself online fundraising service
that has helped thousands of people raise millions of dollars in online donaKons for the fundraising
ideas that maJer most. GoFundMe allows regular people to accomplish extraordinary things with
easy-‐to-‐use personal donaKon websites, and leveraging the power of social media, including
Facebook and TwiJer.
3)  The Donor Tree (www.TheDonorTree.com) understands that the fundraising game is changing and
The Donor Tree integrates your client’s message, social media and fundraising efforts. Your clients
will be able to communicate, share, track and fundraise faster than ever imagined. The Donor Tree
offers a unique Online Bumper SKcker® that allows the client to design it, distribute it and watch the
rewards roll in. Donors and supporters receive this Online Bumper SKcker® once they’ve joined in
your client’s fundraising campaign and they can share it on Facebook, TwiJer, emails, blogs and
more.
4)  Kickstarter (www.KickStarter.com) is a funding plarorm for creaKve projects and helps to fund
everything from films, games, and music to art, design, and technology. Kickstarter is full of
ambiKous, innovaKve, and imaginaKve projects that are brought to life through the direct support of
others. Since their launch in 2009, over $350 million has been pledged by more than 2.5 million
people, funding more than 30,000 creaKve projects. Kickstarter does not allow charity, cause, or
"fund my life" projects.

CREATIVE FINANCING BONUS STRATEGIES

If the first 21 strategies didn’t bring your client the funds they needed to do the deal, then here are some
addiKonal creaKve ideas that can generate cash in a crunch. I personally have used these strategies, or worked
with clients that have used them. They work, and remember, “where there’s a will, there’s a way.”

22.  GARAGE SALE
Believe it or not, the average person accumulates a lot of “stuff” and ends up storing it in their garage or even
paying monthly fees to store it professionally. Suggest to your client that they have a garage sale and get rid the
things they don’t need. A simple weekend project can potenKally turn their “stuff” into thousands of dollars of
cash!
22.  CRAIGSLIST

www.CraigsList.com provides local classifieds and forums for jobs, housing, items for sale, personals, services,
local community, and events. This is a great place for your client to post some of their more valuable items so
that they can get more than garage sale prices. Your client can usually double or triple their revenue if they take
the Kme to take pictures and describe the items that they are selling. Craigslist is a very popular website and
your client can usually sell nearly anything they have on this site.

24.  PAWN SHOP
Pawn shops are also a great resource if your client is looking to sell an item, or pledge (pawn) an item. The
pawning process begins when a customer brings an item into a pawn shop. Common items pawned (or, in some
instances, sold outright) by customers include jewelry, electronics, collecKbles, musical instruments, tools, and
any other item of value. If your client wants to get the item back, they simply borrow the cash against the item
and will be required to pay the pawnbroker to get their item back, or they can choose to extend the collateral
loan for another term. Use cauKon, as being even one day late paying the pawnbroker may result in the loss of
the item.

25.  EBAY AUCTIONS / EBAY STORES
www.eBay.com is the world’s largest online aucKon and marketplace. This is a great place to sell various items in
an aucKon format that could possibly create greater profits. In addiKon, eBay offers a handful of brick and
mortar store locaKons called I Sold It On eBay. If your client lives near one of these stores, they can drop off
their items and have professional eBay specialists sell their item on their behalf, for a transacKon fee and
percentage of the sale. This strategy could help your client raise more money than a typical garage sale since
they are able to find specific target markets for each item.


26.  CASH ADVANCE / PAYDAY LOAN
A payday loan (also called a payday advance) is a term used to describe small, short-‐term unsecured loans
"regardless of whether repayment of loans is linked to a borrower's payday”. The loans are also someKmes
referred to as “cash advances” though that term can also refer to cash provided against a prearranged line of
credit such as a credit card. Payday advance loans rely on the consumer having previous payroll and employment
records. These loans are designed to be extremely short term, and interest rates can be very high. However,
this can be a great resource to someone in a cash crunch with no other alternaKves.

Here are a few sites that offer this service. (Note, in some states payday loans are illegal.)
•  www.MoneyTreeInc.com
•  www.CheckCity.com
•  www.PayDayOne.com
•  www.CashCorner.com
•  www.FastBucks.com

26.  CONSULTING / NEW PRODUCT LAUNCH

A strategy to help your client raise money is to suggest he “sell himself”. If your client has any experKse in a
parKcular topic, there’s a good chance someone will pay for their consulKng. For example, at one point I needed
to raise money to fund a deal, and I was short on cash. I decided I would sell some private coaching packages,
and raised over $10,000 in less than a week.

Another strategy is to suggest he or she launch a new product and sell it in advance. Pre-‐selling a book, an
event, or even a product can help fund the project in advance. If your client is capable of creaKng and delivering
a product or service, this can be a great way to generate revenue. It is very common pracKce for professional
entrepreneurs to fund their next project by pre-‐selling it to their list.

28.  VACATION DAY CASH-‐OUT

Some companies allow employees or partners to cash out their accrued vacaKon Kme. This can create a
significant amount of new cash, if there’s enough Kme saved up. If your client’s company won’t let them cash it
out, they may let them use it all and take several months of paid Kme off of work so they can be working on a
new project and earning addiKonal revenue while they’re away from their job.


29.  TIMESHARE EXCHANGE
Surprisingly, a lot of people own a Kmeshare week or points with a vacaKon club. Your client may have Kme or
points accrued and they can offer to sell them or exchange them for cash. It’s usually not hard to find someone
willing to pay for a vacaKon if there’s an incenKve or discount. For example, your client could offer to friends,
family, or even on www.CraigsList.com a week in Hawaii for $1,000 in their Kmeshare. If the normal price for a
week is higher than the price your client is offering, then it’s likely they will be able to sell that Kme or points for
cash today. (Certain rules and restricKons may apply.)

29.  SKY MILES

Nearly every airline offers frequent flyer programs to their patrons. Even credit card companies can give sky
miles points if their credit card is used for purchases. This can rack up a lot of miles over Kme, and these miles
can be very valuable. If your client has enough miles for a round trip Kcket, they can offer to sell that Kcket for
cash. For example, I’ve used sky miles to purchase round trip Kckets around the world! I could have sold them
for a lot of money if I had wanted to. Your client might be able to do the same. (Certain rules and restricKons
may apply.)

31.  REWARD POINTS

Many credit card companies, retail chains, hotels and others offer rewards points. Even banks may offer rewards
points for banking with them. All these points can be cashed in for prizes, or in some cases, for actual cash.
These prizes can be very valuable. As I menKoned above, I recently took a trip to Europe enKrely with sky miles.
Part of my trip included a week in Paris. I had enough points accrued to pay for an enKre week in the MarrioJ
on the Champs Elysees, and it even included breakfast every day! Just that week at the MarrioJ would have cost
nearly $2,000, and if I had needed the money, I could have sold those points for cash…a lot of cash! J

" As menKoned earlier, we have discovered a global member rewards company that offers its members up to
2% cash back on every purchase (including gas, travel, meals, countless products and services, etc.), plus
addiKonal member benefits. This strategy has altered the way I shop and spend money on a daily basis. If
you’d like more informaKon, send us an email and we’ll share our strategy with you:
info@ATTRACTINGTHEMONEY.com.


FINAL THOUGHTS

The boJom line is quite simple—AJracKng The Money & Funding The Deal is quite possible for anyone who is
100% commiJed and determined. It may not be easy, it may not even be cheap…but it could definitely be worth
it. Had I not borrowed or raised the money from these many of the sources listed, I never would have achieved
the level of success, educaKon and training experience, or millions of dollars of income that I aJained!

NEXT STEPS: TAKE IT TO THE BANK!

If you don’t already own the B.A.N.K.™ Personality Sales Training System, I strongly recommend you invest your
money into this powerful sales training system. B.A.N.K.™ will teach you how to:

•  Connect faster and easier with your prospects
•  Sell more products and services
•  Build a larger sales organizaKon
•  Deliver powerful presentaKons to any size audience
•  Increase your sales by 300%
•  Crack the Personality Code and Take it to the BANK™
For more informaKon, visit www.CrackThePersonalityCode.com.


RESOURCES

Here’s a list of the different resources we referred to in the AJracKng The Money™ workbook for your
convenience. Feel free to do you own addiKonal research if you can’t find what you’re looking for here.

•  www.Investopedia.com •  www.40Billion.com
•  www.CreditScore.net •  www.GoFundMe.com
•  www.MyFICO.com •  www.TheDonorTree.com
•  www.CreditCards.com •  www.KickStarter.com
•  www.SBA.org •  www.CraigsList.com
•  www.Privatestudentloans.com •  www.eBay.com
•  www.AngelcapitalassociATIon.org •  www.CheckCity.com
•  www.Growthink.com •  www.PayDayOne.com
•  www.Entrepreneur.com •  www.CashCorner.com
•  www.LendAcademy.com •  www.FastBucks.com
•  www.Prosper.com •  www.CrackThePersonalityCode.com
•  www.LendingClub.com •  www.ATTRACTINGTHEMONEY.com
•  www.LendingKarma.com •  www.GlobalXTS.com
•  www.LendFriend.com
Below are some of my favorite resources for AJracKng The Money. If you want to learn more about Peer-‐To-‐
Peer Lending, click on the Lend Academy link. You can access some incredible content about this amazing new
industry in Peter Renton’s P2P Lending Wealth System. To raise money using Social Lending, visit the Proper site
and try it out…it just might work! And finally, if you’re ever going to borrow money from a friend or family
members, I strongly encourage you to use the loan templates available through Lending Karma. *These are
affiliate links, but definitely some of my favorite resources. Click if you wish…J
www.ATTRACTINGTHEMONEY.com/LendAcademy
www.ATTRACTINGTHEMONEY.com/Prosper
www.ATTRACTINGTHEMONEY.com/LendingKarma

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ATTRACTING

II. ADVICE FROM RICH DAD

III. ROI INVESTMENT FORMULA

ROI = (Gain from Investment – Cost of Investment)

RULE OF 72

VI. CREDIT SCORES & WORTHINESS

2. CASH EQUIVALENTS

CREDIT CARD FINANCING STRATEGIES

4. NEW CREDIT CARDS

5. SECURED COLLATERAL LOAN

• Car / Truck • Jet Skis • CollecKbles

7. REFINANCE / 2ND MORTGAGE

8. SMALL BUSINESS ADMINISTRATION (SBA): LOANS / MICROLOANS

9. SMALL BUSINESS ADMINISTRATION (SBA): LOANS / MICROLOANS (CON’T)

11. STUDENT LOANS

12. ANGEL INVESTORS / VENTURE CAPITAL

13. STOCKS / MUTUAL FUNDS

13. INDIVIDUAL RETIREMENT ACCOUNTS (IRA)

15. 401 (K) LOAN

15. 401 (K) LOAN CON’T

16. LIFE INSURANCE CASH VALUE LOAN

Most peer-­‐to-­‐peer intermediaries provide the following services:

Here's how it works:

19. “LOVE MONEY”

20. PRIVATE LOANS

For more informaKon, visit www.CrackThePersonalityCode.com.

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II.  ADVICE FROM RICH DAD

III.  ROI INVESTMENT FORMULA

VI.  CREDIT SCORES & WORTHINESS

2.  CASH EQUIVALENTS

4.  NEW CREDIT CARDS

5.  SECURED COLLATERAL LOAN

•  Car / Truck •  Jet Skis •  CollecKbles

7.  REFINANCE / 2ND MORTGAGE

8.  SMALL BUSINESS ADMINISTRATION (SBA): LOANS / MICROLOANS

9.  SMALL BUSINESS ADMINISTRATION (SBA): LOANS / MICROLOANS (CON’T)

11.  STUDENT LOANS

12.  ANGEL INVESTORS / VENTURE CAPITAL

13.  STOCKS / MUTUAL FUNDS

13.  INDIVIDUAL RETIREMENT ACCOUNTS (IRA)

15.  401 (K) LOAN

15.  401 (K) LOAN CON’T

16.  LIFE INSURANCE CASH VALUE LOAN

Most peer-‐to-‐peer intermediaries provide the following services:

19.  “LOVE MONEY”

20.  PRIVATE LOANS