Cashflow 101 The E- Game Readme

Table of Contents

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 multiplayer 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 currently 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 work
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 from 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 is 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 Example; Rental Properties, Stock Dividends,
Businesses that someone else runs.

Liability
Something that takes money out of your pocket on a monthly basis. Some liabilities 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 drag each item over. To do this, click on the item
and hold down your mouse button while 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 and it'll help you out.

Removing Items
In order to remove items from your Financial Statement you need to look at the list 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 two 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 Cashflow you need to click on the autosum button
to update finish updating your sheet. These 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 Statement. 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 another almost everyone will be affected by the
downsizing of companies when they're forced 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 opportunities. When you land on Opportunity Squares you
need to choose between Big Deals and Small Deals. Small Deals are items that cost less than $5,000 while Big Deals cost more 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 buy the Big Deal.
Sometimes you're better off keeping to the investments you can afford rather than trying to show off to others with how much
money you can invest. By spending your time looking at investments you can't afford you may overlook some very good ones that you
can.

Doodad Square
Doodads are the unexpected items on which most people spend their money each much. 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 doodads 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 conditions.

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, vacancy
cost, repairs, taxes, etc.)
This means that you receive passive income from the property. If the rent is not 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 invest 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 instead 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 just 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 on 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 expenses.
 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 your 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 with 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 have to say about an opportunity there are lots of
ways to get information in the game. 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 Kiyosaki has extra information available on the
subject. By clicking on the TV icon you'll 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 decisions 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 for, 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 remainder 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 partners.

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 mortgage is the security instrument.

Passive Income
Income generated from your investments such as interest, dividends and real estate 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 payment. 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 taxes 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 (including 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 deal!

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 videos.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 available 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 jurisdictions),
as well as the Copyright laws. Applications for additional patents in the United
States and other countries are also pending. CTI hereby expressly disclaims any
licenses under its patents and copyrights that might be implied from the purchase
of a copy of the product; the product may be used ONLY in accordance with the terms
and conditions of an express license. Among other things, the license limits use
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.