$10K Monthly Residual Income Challenge
$10K Personal Residual Income Challenge Step 1: Understand Your “Why?” The conservative formula that Rainstar has developed to accomplish $10K in personal residual income, based on feedback from our Factoring lenders, is that you need to have $8.5M, at a minimum, in an outstanding AR portfolio monthly. The math on that breaks down this way: • • •
For every $500K that goes out we make roughly $1,200 in monthly residuals. So, if are gross target is $20K and your 50/50 split brings it to $10K in your pocket that concept is we take $8.5M divided by $500K and that equals 17. 17 x $1,200 a month = $20,400, which is our overall target to hit the $10K you keep in your pocket.
Keep in mind your target is $8.5M, and you will not stop until you have achieved your goal! Our Factoring lenders have shared that they see clients that we book staying with them 1 to 2 years, at a minimum. Some have shared stories of the clients sticking with them for 3-5 years. Ask yourself this POWER QUESTION: DO COMMERCIAL REAL ESTATE, EQUIPMENT AND ADVANCE/TERM LOANS PAY US EVERY MONTH POTENTIALLY UP TO 1-5 YEARS AFTER CLOSING THE DEAL? The answer is no and there in lies the 2nd major question: Why would you not want to build a model that allows you to get paid, month after month after month? With that said answer the following: Why do you want to have 10k income coming in every month from factoring deals? What will that do for you and your family? Write a list of 3 main benefits right now that lists the main benefits for your family: 1. 2. 3. As a Rainstar Director $10K monthly residual income can provide the following: 1. Stability/Security - Residual income becomes your foundation for weathering any deal closing droughts you experience. If you deal in Commercial Real Estate sometimes CRE deals fall apart after you did you job. How frustrating is that? With a factoring portfolio built and residual income it allows you if you have a “bad month” closing wise in the other product lines to not feel it as much. 2. Operations Budget - One of the big focuses for each Director is to get to tradeshows related to the capital markets and direct-to-customer (manufacturing, staffing, distributors conferences, etc.). Costs of up to $2-3K for travel, hotel, and conference tickets is not as tough of a pill to swallow if you know that you have $10K coming in every month. 3. Team Budget – The best way to leverage your time is to have a virtual assistant or personal executive assistant/processor help streamline your business. Paying an assistant $2-3K/month becomes a lot easier when you have $10K coming in residually.
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$10K Personal Residual Income Challenge Step 2: Are you willing to do what it takes? For some Rainstar Directors, factoring may be a totally new area and they may have never sold a factoring deal before. This creates fear in the mind of the Director as in sales if you don’t know your product or are newer to selling a product there is nervousness of the embarrassment of being in front of a prospect or referral partner and fumbling your words/presentation. What I want to get across to you is that factoring is simple, and YOU NEED TO ELIMINATE ANY LIMITING BELIEFS YOU HAVE ABOUT SELLING FACTORING! Factoring is no different than any other product on the Rainstar platform you simply need to learn the details!
Step 3: Understanding what/how Factoring works! For Directors that are brand new to factoring you need to learn what it is. Below are links to explaining what factoring is and how it works logistically: • • • • • • • • • •
https://gatewaycfs.com/invoice-factoring/how-it-works/ http://blog.factorfunding.com/blog/a-step-by-step-guide-to-the-factoring-process/ https://www.mpstarfinancial.com/invoice-factoring-services/learn-about-invoicefactoring/how-does-factoring-work/ https://www.tcicapital.com/tci-insights/how-factoring-works/ https://www.comcapfactoring.com/blog/how-does-invoice-factoring-work/ https://www.paragonfinancial.net/how-factoring-works/articles-resources/factoringarticles/what-is-invoice-factoring/ https://efinancemanagement.com/sources-of-finance/factoring https://www.paragonfinancial.net/how-factoring-works/articles-resources/factoringarticles/how-does-factoring-work/ https://www.invoicefactoring.com/what-is-invoice-factoring https://www.fundera.com/business-loans/guides/factoring-receivables
Step 4: Understanding what/how Factoring works for specific types of companies! Below are links on how different companies use factoring to help grow their businesses: Niches • • • • • •
Freight - https://fitsmallbusiness.com/freight-factoring/ Trucking/Freight - https://www.tcicapital.com/who-factoring-benefits/trucking-freight/ Staffing - https://www.tcicapital.com/who-factoring-benefits/staffing-agencies/ Janitorial (Environmental Services) - https://www.tcicapital.com/who-factoringbenefits/environmental-services/ Construction - https://www.tcicapital.com/who-factoring-benefits/heavy-construction/ Government Contractors - https://www.tcicapital.com/who-factoring-benefits/governmentcontractors/ 3|Page
$10K Personal Residual Income Challenge • • • • • • • • • • • • • • •
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Telecom & Wireless Contractors - https://www.tcicapital.com/who-factoring-benefits/telecomwireless/ Technology - https://www.tcicapital.com/who-factoring-benefits/technology/ Oilfield Services - https://www.tcicapital.com/who-factoring-benefits/oilfield-services/ Utility & Pipeline - https://www.tcicapital.com/who-factoring-benefits/utility-pipeline/ Renewable Energy - https://www.tcicapital.com/who-factoring-benefits/renewable-energy/ Manufacturing - https://www.factorfinders.com/factoring-industries/manufacturing-factoring Wholesale - https://www.paragonfinancial.net/who-it-benefits/wholesalers/ Courier services - https://www.touchfinancial.co.uk/industry-guides/courier-logistics-finance/ Security Guard Services - https://www.interstatecapital.com/factoring_industries/securityguard-companies/ Consulting - https://www.comcapfactoring.com/blog/factoring-financing-for-consultingcompanies/ Call Center Operators - https://invoicefinancing.net/invoice-factoring-industry/invoicefactoring-for-call-centers/ Private Investigators - https://www.comcapfactoring.com/blog/factoring-financing-for-securityand-private-investigation-firms/ IT Consultants - https://www.factorfunding.com/information-technology-company-factoring/ Landscaping - https://www.comcapfactoring.com/blog/invoice-factoring-for-commerciallandscaping-companies/ Import - https://www.interstatecapital.com/factoring_industries/importers-andexporters/?utm_source=adwords&utm_medium=cpc&utm_campaign=Factoring%20-%20NonTransportation%20Industries%20%20Search&utm_term=importers%20factoring&utm_content=importersexporters&gclid=EAIaIQobChMIyNPUxvGN3wIVRbbACh2LUA9nEAAYAyAAEgK05fD_BwE Office Supply - https://www.comcapfactoring.com/blog/factoring-financing-for-office-supplycompanies/ Distributors - https://www.interstatecapital.com/wholesale-distributors-benefit-invoicefactoring/ Food Service (Commercial) - https://www.paragonfinancial.net/how-factoring-works/articlesresources/industry-factoring-articles/factoring-financing-how-food-service-providers-canbenefit-from-factoring/ Logistics - https://www.touchfinancial.co.uk/industry-guides/courier-logistics-finance/ Advertising - https://allianceonellc.com/advertising-agency-factoring.html Medical - http://factoring.qlfs.com/html/medical_company_factoring.html
Step 5: Understanding who the target companies are that use Factoring! Now that you have an understanding of what Factoring is and how it works, you need to understand the marketing side. The profiles or types of companies that we will be targeting and pitching factoring to are: •
Trucking companies 4|Page
$10K Personal Residual Income Challenge • • • • • • • • • • • • • • • • • • • • • •
Freight Brokers Business Services Staffing Agencies Manufacturing Wholesale Janitorial & Cleaning Companies Technology Courier Services Security Guard Services Consulting Call Center Operators Private Investigators Oilfield Services IT Consultants Landscaping Import Office Supply Distributors Food Service (Commercial) Logistics Advertising Wholesalers
Step 6: Understanding different company types and what they deal with! Take each of the companies in list above and Google them to get an idea of what their business does. You need to be able to answer the following questions for each company type: 1. What product/service does that company provide? 2. What are the headaches that business deals with? 3. What does that company use financing for? (payroll, purchasing equipment, labor, purchasing inventory, etc.) 4. Specifically, how does factoring work for that company? 5. What are the “Features Tell, Benefits Sell” or Unique Selling Propositions to the owner of the company that needs factoring? How does factoring help propel his/her business forward? As an advisor to these companies, YOU HAVE TO UNDERSTAND THE BUSINESS OWNER’S PROBLEMS regarding their need for capital and then be able to explain how factoring is the solution to help them grow!
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$10K Personal Residual Income Challenge Step 7: Understanding Your Lender’s Products To be able to sell a client on Factoring you must know our lender’s products. Start by learning the lenders on the Micro Lender Platform here (Password: rainstar246): •
https://www.rainstarcapitalgroup.com/ml-ar
You need to be able to answer the following questions on each lender off the top of your head: 1. 2. 3. 4. 5. 6. 7. 8.
What industries do they factor? What industries do they not factor? What are their min and max deal sizes? What are their max advance rates? What is their cost of capital? What docs do they need for intake? What is their underwriting process look like? How long does it take to close?
Finally, even if you do not have a deal, call our rep and introduce yourself. You need to have a strong relationship with our rep, so that when you do have deals, they know you personally, separate from doing a deal together.
Step 8: Ready to Go to Market Once you have completed Steps 1-7 you are ready to begin the process of outbound lead generation. You know your products, your client’s needs, how factoring is used and why its needed. Now its time to get the clients coming to you!
Step 9: Market Penetration Strategy The outbound marketing strategy is as follows: 1. Direct Client Targeting - Going directly after the business owners, CFO’s, CEO’s of the companies that need factoring to grow their business 2. Referral Partner Buildout -Targeting and building relationships with folks that come across factoring clients. The profile of the referral partners that typically see AR deals are: a. Middle Market Bankers - Typically only deal with companies doing 10M of revenue or more up to 1B. These are the highest level, “biggest player” bankers and the language you use needs to be top of the top otherwise they will not deal with you. b. SBA Bankers - V.P.’s of origination that deal with SBA loans from 250k to 12M. They see a host of businesses ranging from start ups to large 10M revenue companies and more. c. Commercial Bankers - Typically deal with businesses of all sizes and are out hunting businesses in the local market to provide new loans and get their depository relationship d. Bank Branch Managers - Typically deal with businesses of all sizes but serve the local clients that have depository relationships at the bank. 6|Page
$10K Personal Residual Income Challenge e. Bank Commercial Loan Workout Specialists - work on the back side of the bank and deal with clients that their loans are semi performing and non-performing or in a troubled state. Typically, their goal is to get the loan reperforming or get it off their books. f. Management Consultants - Provide strategy, cost segregation (reductions), operations, marketing and financial consulting to businesses owners. Will be reviewing the businesses’ P/L and Balance sheets to know how they can assist them in growing. g. CFO Advisors - Similar to Management Consultants but typically focus solely on the financials. CFO’s help with cash management, debt restructurings, procuring new growth capital, management of the books, tax and financial situation h. CPA’s - provides tax, accounting and financial consulting to the business to help them. i. Merger Acquisition Specialists - Help with the purchase/sale of companies typically doing revenues of 5M and more. Will be reviewing fully the clients balance sheet, P/L, and know the assets of the business. j. Business Brokers - Help with the purchase/sale of companies typically doing revenues of 5M and less. Will be reviewing fully the clients balance sheet, P/L, and know the assets of the business. k. Finance Brokers - Similar to us - they help provide commercial real estate, corporate finance, small business and equipment financing solutions to the client. l. Private Equity/VC Firms that have portfolio companies needing AR FinancingInvestment companies that have majority to minority ownership interests in our target companies. Key is to connect with the Vice President or person that manages the relationship with the portfolio company and have them introduce you to them. m. Merger Acquisition Attorneys - Provide the legal advisory on business acquisition and divestures. n. Turn Around Management Specialists - Provide financial and operational advisory to firms that are having revenue issues. Help to turn them around and get back on track. 3. Lender Partner Referrals - Existing banks and factoring firms that have the following: a. Existing clients they want off their books and will refer to us. This is also known as Lender Recapitalization. Lender’s want clients off of their books due to 3 reasons: i. Loan is Performing but high risk - Lender made an AR facility to a client that they are concerned about that industry having a downturn and thus defaulting. Easiest example is AR Facility made to a construction firm. ii. Semi-Performing AR Facility - A facility that the lender made, and the client pays but sometimes misses payments on. Lender would prefer to have it off the books. iii. Non-Performing AR Facility - A facility that the client is in total default on. Lender for sure wants the facility off their books and wants nothing to do with the client. b. Portfolios of Performing Loans - Some of our AR shops look to grow via acquisition of existing portfolios. In the event you come across this bring in Kurt Nederveld, CEO of Rainstar Capital Group, to negotiate the purchase/sale of the portfolio.
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$10K Personal Residual Income Challenge Step 10: Understanding the Obstacles to Targeting Factoring Deals Before kicking off your prospecting activities, you need to understand the obstacles you are going to face in going after and booking factoring deals: 1. EVERYONE IN THE CAPITAL MARKETS HUNTS FACTORING DEALS - Every Banker, Factoring Shop and Finance Broker hunts companies with AR. Why? Because it represents strong clients and most lenders LOVE AR as collateral as it’s a 30, 60, 90-day window to get paid. SO UNDERSTAND THERE IS IMMENSE COMPETITION IN THIS NICHE! 2. Clients will already have factoring - Since this niche is hunted so much you will run into clients that are already with a factoring lender. Understand that this will be very normal. How are you going to convince them to make the move? There are 4 Primary Strategies: a. Cost Savings - You will need to get a breakdown of the existing contract, factor rate, cost structures of the existing lender and then compare it to our platform and have one of our AR lenders provide a cost savings benefit analysis for the client making the move to one of our factoring lenders. b. Replacing Factoring with a Line of Credit - Many clients will not know about Internex one of our AR lenders that provides a factoring like solution that is a line of credit and does not notify the client’s clients. This is a HUGE unique selling proposition as the benefits for the client of going from their factoring shop to Internex primarily are cost savings (sometimes), not having the client’s clients know their receivables are getting financing against, Internex’s technology platform Velocity which provides to the client an outsourced CFO advisory/cash management platform, customer service and providing a line of credit that the client controls how and when they draw the funds from. c. Replacing Notification Factoring with Non-Notification Factoring - One of our lender’s Bibby Financial will also similar to Internex provide a non-notification factoring solution (not a line of credit like Internex). The notification piece of factoring is a big deal and one thing that clients will express to you that they get frustrated with. They get frustrated primarily with two things: i. Collections - Factoring shops handle the collections to the borrower’s clients and the borrower sometimes do not like the collection techniques of the factoring firm to the borrower’s clients. The borrower wants to maintain positive relationships with their clients as that is their source of revenue. A factoring firm can sometimes cause strain in the relationship especially if the borrower’s clients are slower to pay. ii. Clients of the Borrower Know the Borrower needs financing - This can lead to some embarrassment on the Borrowers’ behalf as they may feel their clients are wondering if there is a problem or needing to know why the Borrower needs financing to sustain their business. Many times, the borrower needs factoring for cash flow purposes and to grow their company, but the borrower’s clients don’t always know that or understand that. Important thing to note! d. Customer Service - Many time clients will not be happy with the customer service of their existing factoring firm and tell you about it. The idea is to pinpoint the pain that they are feeling and explain that it is time for a new firm. 8|Page
$10K Personal Residual Income Challenge 3. Prepayment Penalty - Clients that have factoring may have signed a term contract and there may be a prepayment penalty.
Step 11: Daily Marketing/Prospecting Action Steps to Take It is now time to execute and begin getting prospects for factoring. The key is to create a daily metric focused approach of action steps to attain your final goal of a minimum of 8.5M in an outstanding AR portfolio. The Daily Metrics are as follows: 1. Minimum of 50 LinkedIn Invites to either Business owners, CEO’s or CFO’s of the following companies: o Trucking companies o Freight Brokers o Business Services o Staffing Agencies o Manufacturing o Wholesale o Janitorial & Cleaning Companies o Technology o Courier Services o Security Guard Services o Consulting o Call Center Operators o Private Investigators o Oilfield Services o IT Consultants o Landscaping o Import o Office Supply o Distributors o Food Service (Commercial) o Logistics o Advertising o Wholesalers
2. Minimum of 50 invites to Referral Partners that have the title of: a. Middle Market Bankers b. SBA Bankers c. Commercial Bankers d. Bank Branch Managers e. Bank Commercial Loan Workout Specialists 9|Page
$10K Personal Residual Income Challenge
3. 4. 5. 6. 7.
f. Management Consultants g. CFO Advisors h. CPA’s i. Business Brokers j. Finance Brokers k. Private Equity/VC Firms that have portfolio companies needing AR Financingl. Merger Acquisition Attorneys m. Turn Around Management Specialists Minimum of 20 referral partners talked to that have AR Deals educating them on our different programs Minimum of 2-5 business owners talked to that fall in the niches of businesses needing AR Minimum of 8 banner ads posted on LinkedIn/Facebook highlighting our factoring programs Pull 2 applications per day Submit 2 applications to lenders per day
Step 12: Daily Follow Up Plan By implementing the daily plan of 100 total invites to both referral partners and business owners, you should have, roughly, 20 people per day that accept your invite. These 20 connections become the people you call daily. In fact, you will call everyone that comes through. WHY? Because you know that you have targeted the right people and now you need to do the discovery process of understanding the following: 1. Business Owner - Do they have factoring in place or not? Do they need growth capital? Do they have outstanding AR that could be leveraged? 2. Referral Partner - Do they see factoring deals? How many do they get a week/month? What are they doing currently with those prospects? 3. Lender Partner - How many factoring deals do they see weekly? How many do they fund? How many do they decline? What do they do with the declines?
Step 13: Document and Categorize the VIP Clients and Referral/Lender Partners As you are speaking with the partners and clients you need to categorize the business owners that say they have factoring but do not want to move forward immediately. Do this on your VIP Client list in a Google spreadsheet. Do the same thing for VIP Referral partners. YOU NEED TO DOCUMENT AND BUILD A PIPELINE OF BOTH CLIENTS AND PARTNERS TO FOLLOW UP WITH! If they tell you that they have access to factoring clients but do not have any to refer you at this time, then you need to continue to build the relationship with them so that you can catch them when they do have a client.
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$10K Personal Residual Income Challenge Step 14: What to Send to Referral Partners For referral partners that have access to factoring clients you need to send: 1. New Branded One Page Flyers highlighting the Factoring Programs (International, Medical Construction and “Rainstar is seeking…” Ads) 2. Digital Magazine 3. Working Capital Blueprints 4. Strategic Partner Video/PowerPoint
Step 15: What to Say to Referral Partners After going through the initial pitch of Rainstar, you need to say the following: “As a company, we focus heavily on getting companies growth capital. We primarily do this through our innovative solutions that leverage the client’s cash flow and accounts receivables. We see a lot of B2B clients that are either not using factoring effectively or who are sick of their existing factoring shop and want to get rid of it with a non-notifying solution or a credit line which is exactly what we offer through our “Fire your Factoring Firm” program. We have a Fintech lender that we do a lot of business with for deal sizes from $200K to $20M that is essentially replacing your factoring firm.” “Do you work a lot with B2B Clients Mr./Mrs. referral partner?” (Referral Partner will say “Yes,” or “No.”) If they say, “Yes”, then say this: “Great! Are there any clients that you know with seeking growth financing against their AR or any clients we could talk to about the “Fire your Factoring Firm” program?”
Step 16: What to Say to Lending Partners After going through the initial pitch of Rainstar, you need to say the following: “As a company, we focus heavily on working with our Lender Partners, whom we not only place deals with, but also whom bring us some of our best referrals. As you know, most lenders have their box/window, and if the deal is too big, too small, not the right type of company, etc. they cannot fund it. That’s where our diverse platform of 250+ lenders come in. We have a great two-way street relationship with our lenders and I would love to partner with you in order to place deals that fit your portfolio and get your turndowns.” “The other way we work with Lenders is through our “Lender Recapitalization” program, where we can help their portfolio out. As you know all lenders have a portfolio of performing, semi-performing, and non-performing loans. Our lenders use us to leverage our lending platform and take out bad or semiperforming loans from their books, or we can even refinance your performing loans that a lender made to a high-risk industry (Construction, for example). We can come in and get them 100% of their capital back so they can relend it into a safe and secure client, like manufacturing.”
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$10K Personal Residual Income Challenge “Do you have any loans on your books that you would want to see if our Lender Recapitalization program could assist with?” “Also, we work with a lot of lenders that do not lend on certain types of receivables, like international clients, medical, or construction.” “Do you have a lot with B2B companies that apply with you that you can’t fund because the deals are too small, too big, or don’t fit your box? What do you currently do with those deals? Would you be willing to send them to me? Do you have any right now we can get introduced to?” “Does your firm currently lend to international clients, medical, or construction?” (If they say “No,” ask them if you can offer a presentation to them and their other reps about our international clients, medical, or construction programs.) (Referral Partner will say “Yes,” or “No”) If they say “Yes,” then say: “Great! Are there any clients that we could talk to right now that are in your pipeline?”
Step 17: What to say to Clients that are B2B and on our Target Factoring Company List After going through the initial pitch of Rainstar, you need to say the following: “As a company, we focus heavily on getting companies growth capital. We primarily do this through our innovative solutions that leverage the client’s cash flow and accounts receivables. We see a lot of B2B clients that are either not using factoring effectively or who are sick of their existing factoring shop and want to get rid of it with a non-notifying solution or a credit line which is exactly what we offer through our “Fire your Factoring Firm” program. We have a Fintech lender that we do a lot of business with for deal sizes from $200K to $20M that is essentially replacing your factoring firm.” “Do you have existing AR and do you currently have either a factoring or credit line solution tied to AR?” (Client will say “Yes,” or “No”) If they say “Yes,” then say: “Great!” and then ask the following questions: 1. 2. 3. 4. 5. 6. 7.
Who do you currently use for factoring? Are you happy or unhappy with them? How much do you factor with them monthly? What is the cost structure to you? Do you have a set contract or factor month to month? What are your frustrations with your current factoring firm? Have you ever thought about a credit line that you control and is non-notifying?
If they don’t have factoring, ask: 1. 2. 3. 4. 5.
Have you ever thought about using factoring to grow your firm? How much outstanding AR do you have on a monthly basis? Do you understand how factoring works? Do you understand why companies use factoring to grow their business? Do you have an AR report you can send? 12 | P a g e
$10K Personal Residual Income Challenge Step 18: Getting the Documents Close the deal: Once you have “buy-in” and they are ready to go say: “It sounds like Factoring/ Credit line will be a good solution for you. Can you get over to me the following?” • • • • • •
Signed application Credit report (use creditchecktotal.com) A/R & A/P Aging report Debt schedule (Complete via DocuSign above) Articles of Incorporation Previous 2 years biz tax returns and YTD P&L/Balance Sheet
Step 19: Master the Match Get the package over to our Lender’s Rep and have them review in order to see if there is interest. If not, ask our rep why the deal is not a fit, so you learn and understand. One of the major reasons that lenders will decline is if the reviews are not within the 30, 60, or 90-day window. Receivables after that are not as valuable as the lender doesn’t know if they can get collected on. If there is interest, book the client/lender call.
Step 20: Rinse & Repeat until you hit $8.5M Portfolio Size Your target is $8.5M, and you will not stop until you achieve it. If you get a $2M deal done, congratulate yourself, but mentally say, “I have $6.5M to go!” You need to keep hustling until this is accomplished!
Step 21: Strategies for Getting to the $8.5M Target FAST Getting to $8.5M will never happen if you only do $200K Factoring deals. You need to apply a “TopDown” approach to this goal. Remember this, “One man’s breadcrumbs are another man’s feast.” What does this mean? There are lenders out there that ONLY deal in lending to clients on deals sizes from $10 - $50M. What happens when they get a deal that is too small or too big for their parameters? We want to be there to capture it. Think about the power of this. Capture one “small” deal at $8M that the lenders doing $10M+ can’t do, and you have your feast. So, when you are out networking and talking to referral partners and clients, ask them what size of factoring deals that work on. When they tell you that they work on deals of $3M+, you know you have a major VIP. Work with that person to source those types of deals. Another Strategy is to leverage your time. You do this by getting the largest amount of deals in the shortest amount of time. You do this by seeking out the hunter of the industry. Ask the partner, “How many total factoring deals do you see monthly?” If they say 3 or more, you want to focus on building a strong relationship with them to capture the deals that they can’t do. Remember, the higher quality deals come from the higher quality referral partners. If you focus on finding the right partners, then
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$10K Personal Residual Income Challenge achieving the $8.5M goal becomes realistic. If you only deal with small players, then achieving this goal will take forever!
Step 22: Apply the Hustle, Model, Pivot, Leverage Training Ask yourself often, “Am I meeting my Hustle metrics/ expectations? If I am, then how is my pitch/modeling going?” Then see what is working and not working and Pivot. Finally, ask yourself how much leverage am I applying in my approach?
Step 23: MAKE IT RAIN! The results come from you. YOU CAN DO THIS! THE RESULTS WILL BE WORTH IT! $10K PERSONAL RESIDUAL INCOME MONTH AFTER MONTH AFTER MONTH! EXECUTE IT!
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