By Ronald Cagape

 Why Play Cashflow 101

 How To Play
 Game Proper
 Processing The Game
 Applying In Real Life
 It teaches M.B.A.
 Money
 Business
 Accounting
 It exposes your financial literacy
...without exposing you to risk
 It shows your financial future
 Play as if it’s your own money
 When faced with decisions, ask yourself,
“Will I do this in real life?”
 Observe your thoughts and emotions as you
play the game.
 Observe how other players play the game
 In the game, you will role-play American
Middle Class workers.
 Pick a profession card randomly.
 Copy the contents of your profession card
into your game sheets.
 After copying the contents of your profession
card into your game sheets, pick a color and
get the rat, cheese and coin tokens.
 Pick one person to be the banker on your
table.
 Put the rat tokens just outside the Rat Race
on the space labeled “Start Here.”
 The Rat Race is the circular track with the
well-dressed rat in the middle. The Fast
Track is the bigger, outer track.
 There are different colored spaces in the Rat
Race. The yellow space is for Paycheck.
 When you land or pass Paycheck, say
“Paycheck!” and ask for your paycheck from
your banker.
 If you don’t ask for your paycheck and the
next player starts their turn, you lose your
paycheck.
 The green space is for Opportunity. Pick a
Small Deal or Big Deal card. Small Deals
require 0 to $5,000 while Big Deals require
$6,000 and up.
 Read a Deal card aloud. The deal is optional
unless the card says so.
 If you don’t have money, you can loan from
the bank.
 The blue space is for The Market. Pick a
Market Card and read aloud. Like Deals,
Market cards are optional unless the card
says so.
 The pink space is for Doodads. Pick a Doodad
Card and read aloud. Unlike Deals and The
Market, Doodads are mandatory.
 The orange space is for Charity. Giving is
optional. Give 10% of your Total Income to
use 1 or 2 dice for the next 3 turns. Use the
coin tokens to mark turns.
 One of the purple spaces is for Baby. When
you land on Baby, add 1 baby. Your expenses
increase equal to your per child expense.
 The last space is for Downsized. Lose 2 turns
and pay the bank your Total Expenses.
 Get your starting cash. Add Savings and
Cashflow and ask for your money from the
banker. Erase Savings.
 How To Win? Get out of the Rat Race first
before playing in the fast track.
 To get out of the Rat Race, you must have
passive income greater than your expenses.
 Passive income comes from interest,
dividends, rental income and business
income.
 Again, to get out of the Rat Race, you must
have passive income greater than your
expenses.
 Each player rolls one dice and highest goes
first. Next player is player to the right.
 Move around the rat race in a clockwise
direction – same as the rats!
 Have fun and hope you get out of the rat
race!
 Answer 3 questions
 How did you fare? Did you enjoy the game?
 What was your strategy?
 What will you change the next time you play?
 What are the top 3 things that you learned in
today’s game.
 Play 9 more times.
 Play with different people.
 Play with different strategies.
 Try to make deals in real life
 We started in 2003. I learned how to do No-
Money-Down because I had no choice – I had
No Money.
 We started with a 6-door townhouse, then
bought and sold 3 condos, a clinic space, a
house and lot in Cavite and so on...
 The skills I learned doing deals allowed me to
transition to real estate brokerage – selling
condos, houses, office spaces and even
commercial lots.
 Isit really No Money Down?
 Yes and No.
 My question to you is this:
 If you are able to buy a Php10M building for only
Php5,000,000 using the techniques outlined in
the No Money Down Formula, would you agree to
pay Php250,000 downpayment?
 Letme share a simple formula:
Downpayment = PRICE – FINANCING

 IfPRICE =< FINANCING, then the

Downpayment is Zero (0).
 Example:
 We bought a 74 sqm, 2-bedroom condo in Pasay.
The asking price was 1.8M or about
Php24,000/sqm.
 The bank appraised the condo at Php30,000 per
sqm or Php2.22M.
 We negotiated the price down to Php1.5M. The
bank granted us a loan for 70% of the bank-
appraised value. How much did we pay?
 We designed a 6-step process to do No-Money
Deals, from finding deals all the way to
closing the transaction.
 It contains the best lessons we’ve learned
from all the successes and failures we’ve
experienced through the years.
 We’ve also included the lessons our friends
learned.
 This 6-step process can make you anywhere
between Php50,000 to Php650,000 per
transaction...or even more.
 Thelessons are
contained in my book,
No Money Down
Formula:
 You will not find my system anywhere else.
 I spent more than Php800,000 on real estate
investing, marketing and sales training
courses.
 You don’t need to spend that kind of money.
 Ifyou apply the system, you can make
anywhere from Php50,000 to Php650,000...or
more.
 Or maybe, you won’t make anything. That’s
possible too. I don’t know how diligent you
are or how well you can execute.
 All I can say is the lessons in this book allows
me to make money in real estate deals. I
apply them to this day even in real estate
sales...
 Sold
last Feb. 17, 2015 using my appraisal,
marketing and negotiation techniques...
 It’s
a good feeling to help sellers unload
problem properties and get paid for it...
 How much is the book?
 If it can make anywhere from Php50,000 to
Php650,000...I can sell it for Php25,000 and
you’d still make a 100% profit!
 But it’s not Php25,000.
 Not Php5,000.
 Not Php1,000.
 Not even Php500.
Only Php400!
What You Will Learn
 The 4 Essential Elements of a No-Money-
Down Deal. Miss one and everything falls
apart.
 3 Sources of Other People's Money that you
can use to fund a deal.
 The 6 Step-Process To Finding And Closing a
No-Money-Down Deal.
 The 7 reasons why real estate is such a great
investment.
 Four ways to make money in real estate
What You Will Learn
 How to take advantage of the different real
estate values in the market
 The 3 core questions to ask before
proceeding with a deal
 The 6 criteria to check if a property is a good
deal
 High-value renovations you must make to
significantly raise the property value
What You Will Learn
 Marketing strategies for maximum exposure
 Sales techniques for inexperienced real
estate investors
 The step-by-step process to transferring a
title
 Most common mistakes of new real estate
investors
 ...and much more.
Only Php400!