Atic slide 2007
- 1. All Things in Common Rev 22:1-21 Gloraaaa …Halaluya! whoooooooooo ! whooooooooo ! Help me somebody! Thank ya! I tell ya! I done seen the Light! Free at last! Free at Last! 2 Corinthians 8:9-15 9 For ye know the grace of our Lord Jesus Christ, that, though he was rich, yet for your sakes he became poor, that ye through his poverty might be rich. 10 And herein I give my advice : for this is expedient for you, who have begun before, not only to do, but also to be forward a year ago. 11 Now therefore perform the doing of it ; that as there was a readiness to will, so there may be a performance also out of that which ye have. 12 For if there be first a willing mind, it is accepted according to that a man hath, and not according to that he hath not. 13 For I mean not that other men be eased, and ye burdened: 14 But by an equality , that now at this time your abundance may be a supply for their want , that their abundance also may be a supply for your want : that there may be equality : 15 As it is written, He that had gathered much had nothing over; and he that had gathered little had no lack.
- 2. 300 People Common Donation $3300.00 x 300= $990,000.00 An Annual Donation of $1000.00 2 nd Year $1,290,000.00 3 rd Year $1,590,000.00 4 th Year $1,890,000.00 5 th Year $2,190,000.00
- 3. All Things In Common To Borrow From Without Usury% Ten Times Cash Flow Debt Reduction Investing Aggregate Savings : Single and Monthly Sum Investments
- 4. Debt Reduction and Redemption 24.9% 32.5% “ I just don’t know what I’m gonna dooo !” Bankruptcy Late Charges Garnishment Insufficient Funds Late Charges Past Due Credit Denied
- 5. Convince Yourself Tax Bracket 27% Inflation Rate 4% Bought the Money 88% Div 30 3% Total 34% 30 Year Investment Return 12% - 22%
- 6. Savings Investing As a Single Deposit $30.00 x 3.5 years $1,290.00 in a Bank@1.5% Future Value: $1359.48 Interest Earned: $69.48 As a M onthly Deposit Future Value: $1326.06 Interest Earned: $ 36.06 $33.42 Lost
- 7. Loan: $2,750.00 @ 19% / $60.00 per month = (83m) 6.9 years to pay off: Principal @ $2750.00 $2190.54 Interest $5940.54 Add $30.00 to monthly payment as an Investment in Debt Reduction Loan: $2,750.00 @ 19% and $90.00 per month = (43m) 3.6 years To pay off Principal @ $2750.00 $1038.44 in Interest $3788.44 Savings: Out of debt 43 months earlier and save $1152.09 in interest. The 43 Month X $30.00 = $1290.00. The $1152.90 in interest savings, divided by the $1290.00 dollar investment, equals an 89.3% return on my investment, tax free . Up against a 1.5% (69.48) taxable saving. Debt Reduction Investing
- 8. Though Shalt Not Borrow DNA 57 People $ 6,712,220.56 in Principal Debt $ 5,638,928.00 in Interest or .84 cents on the dollar $ 12,352,148.00 Aggregate Average Debt Years= 21 $5,638,928.00 57= $98,928.56 12,000 Member $98,928.56= $1,187,142,720.00 Average $56,530,605.00 per year
- 9. Negative Cash Flow $361.00 Debt Service 69 Yrs, Purchase Money Ratio $1.95 The $4,320.00 represents 94% of the total Net Monthly Income Combined Principle and Interest=$746,260.15 Original Debt List # Debt Name Principal Interest Rate Pmt Amt Pmt Type Total Interest Total Pmts 1 Fleet 622.00 25.99 311.00 Falling 1,978.04 226 2 Peoples 7,804.00 24.99 256.00 Falling 37,399.67 797 3 A E 17,026.00 23.99 490.00 Falling 66,777.94 829 4 Sears 1,658.00 21.90 50.00 Falling 3,725.25 283 5 First U 7,187.00 20.99 200.00 Falling 16,104.90 453 6 Sun Trust 6,054.00 19.99 227.00 Falling 11,555.42 391 7 HSBC 1,644.00 19.99 50.00 Falling 2,748.64 236 8 MBNA 2,599.00 18.99 113.00 Falling 4,031.26 267 9 Master 41,200.00 16.50 677.00 Falling 68,949.98 506 10 Bankers 4,322.00 14.15 108.00 Falling 3,645.67 234 11 Nations 136,799.00 11.19 1,363.00 Fixed 266,666.42 297 12 Wachovia 7,234.00 8.65 256.00 Falling 2,842.39 209 13 Sallie 8,164.00 6.79 95.00 Fixed 3,049.97 119 14 Sallie # 2 10,571.00 6.79 124.00 Fixed 3,900.62 117 Totals 252,884.00 4,320.00 493,376.15 69 yrs
- 10. Lev 27:31 … .31 And if a man will at all redeem ought of his tithes , he shall add thereto the fifth part thereof.
- 11. Original Cash Flow: $ 900.00 Debt # Loan Amt. Cash Flow Int. Savings Agg. Int. Savings New Cash Flow Repayment Terms 1. 6,7,11,14 $ 6,523.00 $524.00 $12, 483.19 $ $1,424.00 4 ½ Months 2. 9,10 $10,376.00 $335.00 $15, 201.09 $27, 684.28 $1,759.00 5½ Months 3. 5,8 $14,421.00 $456.00 $18, 947.29 $46, 631.57 $2,215.00 6½ Months 4. 4,12,13 $26,539.00 $475.00 $44, 350.26 $90, 981.83 $2,690.00 9.8 Months 5. 3 $17,026.00 $490.00 $66, 777.94 $157,759.77 $3,180.00 5.35 Months 6. 2 $41,200.00 $677.00 $68,949.98 $226,709.75 $3857.00 10. Months 7. $ $ $ $ $ Total $3,857.00 3 Yrs 4 Months
- 12. Lev 27:31 31 And if a man will at all redeem ought of his tithes, he shall add thereto the fifth part thereof. $300.00 x 12= $3600.00 $300.00 x 12= $3600.00 $300.00 x 12= $3600.00 $300.00 x 4= $1200.00 (Cash Flow) $12,0000 @ 20% ÷ 80% = $15,000.00 ÷ $3857.00 = 3.88 M
- 13. Year Your Age Annual Investment Interest Earnings Investment Value Accum. Investment Accum. Earnings 1 2016 10 51,840.00 1,223.50 53,063.50 51,840.00 1,223.50 2 2017 11 51,840.00 3,919.48 108,822.98 103,680.00 5,142.98 3 2018 12 51,840.00 6,772.25 167,435.23 155,520.00 11,915.23 4 2019 13 51,840.00 9,770.96 229,046.19 207,360.00 21,686.19 5 2020 14 51,840.00 12,923.09 293,809.28 259,200.00 34,609.28 6 2021 15 51,840.00 16,236.50 361,885.78 311,040.00 50,845.78 7 2022 16 51,840.00 19,719.42 433,445.20 362,880.00 70,565.20 8 2023 17 51,840.00 23,380.53 508,665.73 414,720.00 93,945.73 9 2024 18 51,840.00 27,228.96 587,734.69 466,560.00 121,174.69 10 2025 19 51,840.00 31,274.28 670,848.97 518,400.00 152,448.97 11 2026 20 51,840.00 35,526.56 758,215.53 570,240.00 187,975.53 12 2027 21 51,840.00 39,996.40 850,051.93 622,080.00 227,971.93 13 2028 22 51,840.00 44,694.93 946,586.86 673,920.00 272,666.86 14 2029 23 51,840.00 49,633.84 1,048,060.70 725,760.00 322,300.70
- 14. 15 2030 24 51,840.00 54,825.43 1,154,726.13 777,600.00 377,126.13 16 2031 25 51,840.00 60,282.64 1,266,848.76 829,440.00 437,408.76 17 2032 26 51,840.00 66,019.04 1,384,707.80 881,280.00 503,427.80 18 2033 27 51,840.00 72,048.94 1,508,596.74 933,120.00 575,476.74 19 2034 28 51,840.00 78,387.33 1,638,824.07 984,960.00 653,864.07 20 2035 29 51,840.00 85,050.01 1,775,714.07 1,036,800.00 738,914.07 21 2036 30 51,840.00 92,053.56 1,919,607.63 1,088,640.00 830,967.63 22 2037 31 51,840.00 99,415.43 2,070,863.06 1,140,480.00 930,383.06 23 2038 32 51,840.00 107,153.94 2,229,857.00 1,192,320.00 1,037,537.00 24 2039 33 51,840.00 115,288.37 2,396,985.37 1,244,160.00 1,152,825.37 25 2040 34 51,840.00 123,838.98 2,572,664.34 1,296,000.00 1,276,664.34 Year Your Age Annual Investment Interest Earnings Investment Value Accum. Investment Accum. Earnings
- 15. 26 2041 35 51,840.00 132,827.05 2,757,331.39 1,347,840.00 1,409,491.39 27 2042 36 51,840.00 142,274.96 2,951,446.35 1,399,680.00 1,551,766.35 28 2043 37 51,840.00 152,206.25 3,155,492.61 1,451,520.00 1,703,972.61 29 2044 38 51,840.00 162,645.65 3,369,978.25 1,503,360.00 1,866,618.25 30 2045 39 51,840.00 173,619.14 3,595,437.39 1,555,200.00 2,040,237.39 Year Your Age Annual Investment Interest Earnings Investment Value Accum. Investment Accum. Earnings
- 16. Time Value Constant Single Sum @ 4% $221,493.71 x 0.308319 = $71,868.23 $581,974.72 x 0.308319 = $188,833.67 Rule of 72 = 18 years $442,967.46 x 0.493628 = $218,660.91
- 17. The LLC and Group Investments Car Wash Storage Facility Driving Range Foreclosures Create Buy and Sell Notes Real Estate Rentals Franchise Strip Mall Laundromats Negotiate with Banks (Group % Deposits)
Editor's Notes
- #10: Negative Cash Flow $361.00 Debt Service 69 years, Purchase Money Ratio $1.95 The $4,320.00 represents 94% of the total net monthly income Combined Principle and Interest=$746,260.15 … .31And if a man will at all redeem ought of his tithes , he shall add