Cashflow 101 The E- Game Readme

-------------------------------------------------------------------------------Table of Contents
-------------------------------------------------------------------------------1. Main Menu
2. Multiplayer
3. Game Rules
4. Winning the Game
5. The Financial Statement
6. Spaces on the Rat Race
7. Types of Opportunities
8. The Bank
9. How to get more information
10. Definitions
11. Hotkeys & Troubleshooting
12. Customer Service
13. Legal Info
-------------------------------------------------------------------------------1. Main Menu
-------------------------------------------------------------------------------Learn to Play Mode
Learn to Play mode is a tutorial in order to teach you the mechanics of the game
and how to get information. We suggest that you go through the tutorial at least
once before you play the regular game.
Single Player
We suggest you play on your own before you try playing with others in multiplaye
r
mode.
Hotseat Mode
Click on the Hotseat button to play with your friends on the same computers.
Robert's Video Tips
This screen has a collection of all the videos of Robert in the game so that you
can play them at any time.
Game Options
Volume Control - Adjusting this will turn on and off
Music On/Off
This turns on and off the background music
UI Sounds On/Off
This turns on and off the card sounds and transition sound effects. It does not
turn off the talking or comments from Red E. Rat or Timid T. Turtle.
-------------------------------------------------------------------------------2. Multiplayer
-------------------------------------------------------------------------------In order to play in multiplayer you first need to register your copy of the game

if you haven't already. Once you've registered at Rich Dad.com you can log in to
play by entering the same login and password you use on the website.
Automatic Patch Update
In order to update your copy of Cashflow 101: The E-game to the newest version
click on the Multiplayer menu button on the Main Menu. As soon as you enter the
multiplayer screen the game will check to see if you have the newest version and
will update itself as needed. This update will occur even if you aren't currentl
y
registered at Rich Dad.com.
In order to register to play multiplayer go to the web address below
http://gameregistration.richdad.com
-------------------------------------------------------------------------------3. Game Rules
-------------------------------------------------------------------------------The Rat Race
---------------------------------------The wheel of the Rat Race is where you'll spend most of your time in
Cashflow 101. The wheel represents the life of most people who spend their time
going around in circles and never getting ahead financially. In order to get out
of the Rat Race in Cashflow 101 you need to get your Passive Income high enough
that it's larger than your expenses. This represents you no longer having to wor
k
for someone else and allows you to move onto the Fast Track
Getting out of the Rat Race
To get out of the Rat Race you need to get your passive income (income coming fr
om
investments) to be larger than your expenses
The Fast Track
---------------------------------------Once you've moved onto the Fast Track you're financially free and can buy just
about anything you want. Here, you can win the game by doing one of two things.
You can either purchase the dream you selected in the beginning of the game or
you can reach your Cashflow Day Goal amount by purchasing investments worth
$50,000 in Passive Income.
-------------------------------------------------------------------------------4. Winning the Game
-------------------------------------------------------------------------------You win cashflow if you are the first to buy your dream or if you're the first
person on the Fast Track to accumulate $50,000 in Fast Track Cashflow.
-------------------------------------------------------------------------------5. The Financial Statement
-------------------------------------------------------------------------------Your Financial Statement has two important parts associated with it. The first i
s

the Income Statement that tracks all the money you make and all the money you
spend on a monthly basis. This is the bottom-line on your current financial
situation because it shows whether you're making or losing money on a monthly
basis. Your Income Statement is shown on the left side of the screen. The second
part of your Financial Statement is your Balance sheet. This sheet shows all the
items you own and all the money that you owe to someone else. These items are
displayed at the bottom of your screen.
Parts of your Income Statement
---------------------------------------Income
The money that comes in to your pocket each month is your income. If this money
comes in from Assets that you own then it's considered Passive Income.
Expenses
Things that you spend on each month are called expenses. These can include cost
of Liabilities and can also be things such as clothing, groceries etc.
Parts of your Balance Sheet
---------------------------------------Asset
Something that puts money in your pocket with minimum labor from you. For Exampl
e;
Rental Properties, Stock Dividends, Businesses that someone else runs.
Liability
Something that takes money out of your pocket on a monthly basis. Some liabiliti
es
are necessary expenses For Example; Cars (which aren't rented), Boats, your own
home mortgage.
Updating your Financial Statement
---------------------------------------Adding Items
When it comes time to add items to your Financial Statement you'll be asked to d
rag
each item over. To do this, click on the item and hold down your mouse button wh
ile
dragging that item to you're the section in your Financial Statement in which it
belongs. If you aren't sure where something belongs, click on the help button an
d
it'll help you out.
Removing Items
In order to remove items from your Financial Statement you need to look at the l
ist
given to you and then find those items in your Financial Statement. Once you've
found them, click on the item in your Financial Statement. This will cause a red
line to cross out the items on the list. Sometimes, you'll find some items where
it's listed twice such as Credit Cards. For these select the second item in the
list. Also, if you have multiple items in the list that are the same, such as tw

o
3br/2ba +500 Cash flow items, you can select either one in the list to continue.
Autosum Buttons
Anytime you add or remove an item that will affect your Income, Expenses or Cash
flow
you need to click on the autosum button to update finish updating your sheet. Th
ese
are purple buttons which display to the left of the Income, Expense and Cashflow
text
on your statement.
Auditor
Don't worry about making mistakes on your Financial Statement. The computer will
warn you if you've made and error and automatically reset any items that are
incorrect.
-------------------------------------------------------------------------------6. Spaces on the Rat Race
-------------------------------------------------------------------------------Paycheck Square
When you either land on or go past a Paycheck Square you get the amount of your
current cashflow added to your cash on hand.
Baby Square
When you have a baby you add a monthly cost of that child your Financial Stateme
nt.
You can only have a maximum of 3 children per game.
Downsized Square
As most are aware there's very little job security now and at one time or anothe
r
almost everyone will be affected by the downsizing of companies when they're for
ced
to layoff employees. If you're still relying on your paycheck every month it's
important to protect yourself against this by keeping some money available for
emergencies.
It's also important to notice that even if you've been downsized you're not out
of the game. You can still buy stocks and real estate.
Charity Square
Charity is the act of giving to others. Charity was very important to Rich Dad.
One of the advantages of being generous is that it not only makes you feel great
but also allows you to meet new people and experience new opportunities.
Opportunity Square
Part of learning how to invest involves learning where to find your opportunitie
s.
When you land on Opportunity Squares you need to choose between Big Deals and Sm
all
Deals. Small Deals are items that cost less than $5,000 while Big Deals cost mor
e
than $6,000. A lot of people will try to purchase Big Deals even though they don
't

have enough money. Or they'll spend every last penny they do have in order to b
uy
the Big Deal.
Sometimes you're better off keeping to the investments you can afford rather tha
n
trying to show off to others with how much money you can invest. By spending yo
ur
time looking at investments you can't afford you may overlook some very good one
s
that you can.
Doodad Square
Doodads are the unexpected items on which most people spend their money each muc
h.
Usually they're unnecessary things such as new cars or jewelry. In the game you
don't have a choice on whether or not you buy doodads but you can put them on
credit cards if you don't have enough cash available. Be careful, putting dooda
ds
on credits cards is how most people in the real world get into financial trouble
.
Market Square
Market cards can be used as opportunities to sell real estate. Sometimes if the
property value in an area has gone up it may make sense to sell the property.
While you'll lose the cash flow it provides, you can use the profit to purchase
additional investments. It's important to keep a close eye on the market in
order to protect your investments and take advantage of changing market conditio
ns.
-------------------------------------------------------------------------------7. Types of Opportunities
-------------------------------------------------------------------------------Real Estate
Real Estate offers growing opportunities for you to increase your
passive income. By putting a small amount of money down on the property you can
create an asset that adds consistent monthly income to your income statement.
Rental real estate can be an asset only when the rent received is more than all
of the expenses added together (such as mortgage payment, management cost, vacan
cy
cost, repairs, taxes, etc.)
This means that you receive passive income from the property. If the rent is no
t
enough to cover the expenses, you must pay the amount not covered (negative cash
flow) out of your pocket each month.
Stocks
A share of stock represents ownership in a corporation. The shareholders (those
people owning stock in a company) are the actual owners of the company. By
purchasing stock you gain the advantage of creating a profit by investing in
other companies.

Shares Split
Sometimes stocks will either split or reverse split depending on how well, or
poorly the company is doing. When stocks split the number of shares you own of
that company doubles and the price per share is cut in half.
When the reverse split occurs the number of shares that you have is cut in half.
Trading Range
The average high and low prices of an investment.
Mutual Funds
Mutual Funds are a variety of stocks, bonds, or securities, grouped
together and managed by a professional investment firm. Owners of these shares
possess no direct ownership value in the various Companies nor do they have any
influence over how the investment firm invests the money. These are only giving
you a more diverse investment for an investor to manage for you.
The advantage of mutual funds is that they allow an inexperience investor to inv
est
their money without any former knowledge. The disadvantage is that without any
control over the investment is very difficult to tell what your returns will be.
Network Marketing
Network marketing companies can be a great way to start a part
time business. For a reasonable fee you may buy into an existing system and
immediately start building your business vs. purchasing a franchise.
By buying into Network Marketing new distributors can focus all their efforts in
building their business through sharing an automated business opportunity instea
d
of worrying bout the normal start-up headaches of a small business.
-------------------------------------------------------------------------------8. The Bank
-------------------------------------------------------------------------------Bank Loans
You can borrow money from the Piggy Bank at any time by clicking on the icon jus
t
above your character at the top of the screen. When you borrow money it must be
in
$1,000 increments and for each $1,000 it'll cost you $100 per month. By clicking
on the piggy bank you can also pay back loans as well as cash in CD's.
Going Bankruptcy
You go bankrupt when your cash flow is negative and you don't have enough cash o
n
hand to cover the difference. If you have to declare bankruptcy you must:
1) Sell any number of assets you own for one half the down payment to the bank
2) Use those funds to pay off debts until your income is greater than your expen
ses.
Note: If you can do this before you have to sell all your items be sure to click
on the piggy bank to pay back those debts since the game will try to sell all yo
ur
items first before paying back any loans.
3) Lose 3 turns.
If, after selling all your assets, your monthly Cash Flow is still negative then

one half of your car loans, credit cards and retail debt are wiped out along wit
h
one half of their payments. Your Home Mortgage and School Loan remain the game.
If your Monthly Cash Flow still remains negative then you are officially out of
the game.
-------------------------------------------------------------------------------9. How to get more information
-------------------------------------------------------------------------------If you're not sure what to do next or would like to know what Rich Dad would hav
e
to say about an opportunity there are lots of ways to get information in the gam
e.
Most of these items are displayed on the cards that come up during the game.
TV & Lesson Icons
---------------------------------------Anytime you see one of these two icon's in the game it means that Robert Kiyosak
i
has extra information available on the subject. By clicking on the TV icon you'l
l
see a video of Robert talking about subject. Try clicking on both icons to see
what Robert has to say!
Help Text
---------------------------------------When you click on these buttons they'll tell you about the card and what decisio
ns
you have to make there. If you're not sure where something goes or what all the
buttons mean this is the place to go. At the top left of the screen there's also
another help button that has help on all the game rules and subjects.
-------------------------------------------------------------------------------10. Definitions
-------------------------------------------------------------------------------Automated Business
A Business that runs primarily by technology, versus people.
Capital
Cash or something of an agreed-upon value.
Capital Gain or Loss
The difference between what you bought an investment for and what you sold it fo
r,
less improvements.
Cash Flow
Cash coming in (as income) and cash going out (as expenses). It is the direction
of the cash flow that determines whether something is income, expense, asset or
liability. Cash flow tells the story.
Certificate of Deposit
A loan to government & businesses, issued through banks, with specified maturity
dates andd interest rates.

Dividend
A distribution of profits of a company to the shareholders.
Down Payment
A percentage of the purchase price an investor pays for an investment. The remai
nder
of the price is then financed through other means.
Foreclosure
A bank or individual takes your property for non-payment of the mortgage.
Government Savings Bond
A loan an individual makes to the government in exchange for payment of interest
on
that loan.
Inflation
An economic situation where consumer prices rise.
IPO
Initial Public Offering. The first time a company offers shares of stock to the
general public.
Limited Partnership
A legal entity set up to hold assets. Allows limited liability for limited partn
ers.
Mortgage
If you are financing your real estate, the property you are financing is used as
collateral against the amount of money you are financing, or borrowing. The mort
gage
is the security instrument.
Passive Income
Income generated from your investments such as interest, dividends and real esta
te
rentals, with minimum work.
ROI
Return on Investment. Return on capital, as a percentage, from an investment.
Example: An apartment building costs $500,000. You pay $100,000 as a down paymen
t.
You have a monthly cash flow of $2,000. Your ROI is $2,000 x12, divided by $100,
000
or 24%.
1031 Tax Deferred Exchange
A method of buying and selling real estate that allows you to defer payment of t
axes
on your capital gains profit. (1031 refers to the U.S.A. Tax Code).
-------------------------------------------------------------------------------11. Hotkeys & Troubleshooting
-------------------------------------------------------------------------------The return key will do a number of useful things for you. For one
it'll close any card or screen that comes up. If the card requires a decision
such as a stock purchase card it'll always pass on the deal except in the cases
listed below.

Doodads - Pays for the doodad with cash if possible.

Network Marketing Cards - Buys these
Charity - Pays for charity
Fast Track - Buys all opportunities it can afford and passes on all dreams (incl
uding
your dream)
While the return key is extremely useful for not having to hunt for buttons be
careful to hit it too fast. You wouldn't want to pass up on that great stock dea
l!
My Robert Video's don't play
----------------------------In order to see the Robert Videos you need to have Quicktime version 5 or later
installed. If you are on a PC and you chose not to install Quicktime during
installation, the Quicktime 6 for windows installer is located on the Data CD in
the Windows Files\QuickTimeInstaller folder. For Mac users the correct Quicktime
version for your version of the OS can be downloaded at the quicktime website:
http://www.quicktime.com
The Video's in game are choppy
------------------------------In order to keep the installation size smaller we don't install all of the video
s.
To improve this performance you can try using a medium or full install on the PC
.
For the Mac, or those users who have already installed and would prefer not to
reinstall, you can drag the files GA1.dat and/or the Video folder located on the
Play Disk directly into the CASHFLOW folder you installed on your hard drive.
I'm running Mac OS 8.6 and I get a sprockets error
-----------------------------------------------------You need to install the GameSprockets files from apple. These are freely availab
le
on the Apple website but weren't included in version 8.6. To install these go to
the below webs address and search for GameSprockets
http://www.info.apple.com/support/downloads.html

-------------------------------------------------------------------------------12. Customer Service

-------------------------------------------------------------------------------CASHFLOW Technoloiges, Inc
4330 N. Civic Center Plaza
Suite 101
Scottsdale, AZ 85251

For technical support

Technical Support: 877-250-PLAY
E-mail: 101support@richdad.com
For ordering information see our website at
www.richdad.com
-------------------------------------------------------------------------------13. Legal Info
-------------------------------------------------------------------------------This product is protected under one or more of U.S. Patent Nos. 5,826,878, 6,032
,957
and 6,106,300 to Kiyosaki et al, (and corresponding patents in other jurisdictio
ns),
as well as the Copyright laws. Applications for additional patents in the Unite
d
States and other countries are also pending. CTI hereby expressly disclaims any
licenses under its patents and copyrights that might be implied from the purchas
e
of a copy of the product; the product may be used ONLY in accordance with the te
rms
and conditions of an express license. Among other things, the license limits us
e
of the product to a single computer, and precludes copying, reverse engineering,
decompilation, and/or modifications. If, after reviewing the complete terms of
the
agreement (on the CD), you do not agree to such terms, return the product within
30 days of the transaction and CTI will refund the monies paid for the product.