WHAT THE RICH TEACH

THEIR CHILDREN, THAT

THE POOR AND MIDDLE

CLASS DON’T!!!

Ideas From:

Robert T. Kiyosaki’s

“Rich Dad / Poor Dad” &

“Cash Flow Quadrants”

Concepts From Robert Kiyosaki #1 Best Selling Business Author

Rich Dad vs. Poor Dad

“Understanding the difference in attitudes between rich dad and poor dad – is essential to taking the first steps to financial freedom.”

The CashFlow QuadrantThere are 4 quadrants There are 4 quadrants wherein all people wherein all people generally function in. generally function in.

The “E” and “S” quadrants The “E” and “S” quadrants are occupied by the are occupied by the employed and self-employed and self-employed who depend employed who depend on the efforts of their on the efforts of their own production on an own production on an hourly basis. hourly basis.

It’s only when systems kick It’s only when systems kick in that people create in that people create businesses and businesses and investments that investments that produce returns not produce returns not necessarily dependent necessarily dependent on their personal on their personal production like the E production like the E and S Quadrants.and S Quadrants.

CEO

President

Vice President

Middle Management

Employees / Staff: SLAVES

The CashFlow Quadrant E E Structure of Every Job

Makes More $$$

Don’t the Don’t the people at people at the Top the Top Make the Make the Majority of Majority of the Money? the Money?

CEO is the CEO is the ONLY One that ONLY One that is is LEVERAGEDLEVERAGED

CEO

President

Vice President

Middle Management

Employees / Staff

Makes More $$$

The CashFlow Quadrant E Structure of Every Job

CEO

President

Vice President

Middle Management

Employees / Staff

Makes More $$$

The CashFlow Quadrant E Structure of Every Job

CEO

President

Vice President

Middle Management

Employees / Staff

Makes More $$$

The CashFlow Quadrant E Structure of Every Job

CEO

President

Vice President

Middle Management

Employees / Staff: SLAVES

The CashFlow Quadrant E E Structure of Every Job

Makes More $$$

People At the Top Make the Majority of the Money

Again the CEO is the ONLY One that is LEVERAGED

The CashFlow Quadrant SS

Still an Employee, but Still an Employee, but they are their own Boss.they are their own Boss.

Exchange Time for MoneyExchange Time for Money

Maximum Hours that an Maximum Hours that an Attorney or Doctor can Attorney or Doctor can work without sleeping:work without sleeping:

Work:Work:

24 hours/day24 hours/day

X 365 days/yearX 365 days/year

8,760 hours/year8,760 hours/year

The CashFlow Quadrant BB

Richest QuadrantMaximum Hours that a Business Owner with 2,000 people in their

organization that work 1 hr per week or 52 hrs per

year can get paid for:

Ex. Real Estate Broker:

2,000 Agents

X 52 hours/year

104,000 hours/year

For an Employee to Work these hours personally:

104,000 hours 8,760 hours in a year = 11.87 years

The CashFlow Quadrant = B & EB & E

The Big IdeaBattle the Poor Dad mentality

Adopt the Rich Dad state of mind…

Transition

From J.O.B.(Just Over Broke)

From Left Side to Right Side

Put the Leveraged Residual & Passive Income to work for you!

We will show you a way YOU CAN DO this for less than price of a Coach Purse!We will show you a way YOU CAN DO this for less than price of a Coach Purse!

Ideas From:

Robert T. Kiyosaki’s “Rich Dad / Poor Dad” & “Cash Flow Quadrants”

Ideas From:

Robert T. Kiyosaki’s “Rich Dad / Poor Dad” & “Cash Flow Quadrants”

Ideas From:

Robert T. Kiyosaki’s “Rich Dad / Poor Dad” & “Cash Flow Quadrants”

Turning FUN Into Turning FUN Into FORTUNE!FORTUNE!

Company StatementCompany Statement

THE YTB COMPANIES OFFER TWO UNIQUE ANDTHE YTB COMPANIES OFFER TWO UNIQUE ANDPOWERFUL BUSINESS OPPORTUNITIES, THAT OFPOWERFUL BUSINESS OPPORTUNITIES, THAT OF

REFERRING TRAVEL AGENT OR 'RTA' AND THAT OF REFERRING TRAVEL AGENT OR 'RTA' AND THAT OF INDEPENDENT MARKETING REPRESENTATIVE OR INDEPENDENT MARKETING REPRESENTATIVE OR

'REP'.'REP'.

THE RTA OPPORTUNITY HAS AN INITIAL FEE THE RTA OPPORTUNITY HAS AN INITIAL FEE UNDERUNDER

$500 AND A MONTHLY LICENSE FEE OF $49.95.$500 AND A MONTHLY LICENSE FEE OF $49.95.THERE IS NO FEE OR RTA PURCHASE REQUIRED TOTHERE IS NO FEE OR RTA PURCHASE REQUIRED TOBE A REP. YOU MAY CHOOSE TO PARTICIPATE INBE A REP. YOU MAY CHOOSE TO PARTICIPATE IN

ONE OR BOTH OPPORTUNITIES. ONE OR BOTH OPPORTUNITIES.

Company StatementCompany Statement

Travel as an insider, with perks and Travel as an insider, with perks and

benefits rather than as an outsiderbenefits rather than as an outsider

Travel tax deductible rather than with Travel tax deductible rather than with

after tax dollarsafter tax dollars

Get paid when others travel as an insider or Get paid when others travel as an insider or an outsideran outsider

WHY WOULD ANYONE WANT TO THROW WHY WOULD ANYONE WANT TO THROW

MONEY AWAY FOR NO REASON?MONEY AWAY FOR NO REASON?

IF YOU ARE GOING TO TRAVEL IF YOU ARE GOING TO TRAVEL ANYWAY, DOESN’T IT JUST MAKE ANYWAY, DOESN’T IT JUST MAKE

SENSE TO…SENSE TO…

Tool for Making Goals a RealityTool for Making Goals a Reality

MAKE $$$ MAKE $$$ GUARANTEEDGUARANTEED

Your SUCCESS Your SUCCESS is Guaranteed is Guaranteed

in Writing!in Writing!

TRAVEL. . .TRAVEL. . .

HAVE FUN...HAVE FUN...

MAKE $$$MAKE $$$

Qualify To Travel As An InsiderQualify To Travel As An Insider

Earn 60% Travel Commissions From Any Earn 60% Travel Commissions From Any Travel Booked On Your WebsiteTravel Booked On Your Website

Own Your Own Travel Business WithOwn Your Own Travel Business With

A Company Supported WebsiteA Company Supported Website

Become A Travel ProfessionalBecome A Travel Professional

Benefit From TBenefit From T he Greatest Referral he Greatest Referral Compensation Plan In The IndustryCompensation Plan In The Industry

Make Money Every Time You And Your Make Money Every Time You And Your Rep Group Refer Someone To The Travel Rep Group Refer Someone To The Travel BusinessBusiness

WHYWHYINTERNET INTERNET TRAVEL ?TRAVEL ? • 7 Trillion Dollar Industry 7 Trillion Dollar Industry

• Baby Boomers Are Entering Baby Boomers Are Entering RetirementRetirement

• Fastest Growing Commercial Fastest Growing Commercial Internet Segment Internet Segment

• Everyone Loves to Travel !Everyone Loves to Travel !

The CompaniesThe CompaniesyourTravelBiz.comyourTravelBiz.com - Our Marketing Company- Our Marketing Company

J. Lloyd Tomer YTB Founder “The Coach”

J. Scott Tomer YTB Founder &

CEO- yourTravelBiz.co

m

Kim Sorensen YTB Founder

PresidentYTB Travel

YTB Travel & CruisesYTB Travel & Cruises - Full Service Travel - Full Service Travel

AgencyAgency• Founded Feb. 2001 in Alton, ILFounded Feb. 2001 in Alton, IL• Goal of Becoming the #1 Internet Travel Goal of Becoming the #1 Internet Travel

CompanyCompany• Wholly Owned Wholly Owned Subsidiary of YTBSubsidiary of YTB International, aInternational, a Publicly TradedPublicly Traded

Company -YTBLACompany -YTBLA.PK.PK

Carnival Cruise Line Award

YTB received YTB received the Pinnacle the Pinnacle

Award in Award in 2005, 2006 2005, 2006 and 2007.and 2007.

In 2006 YTB In 2006 YTB booked over booked over $500 Million $500 Million of Travel of Travel

Travel As An Travel As An Insider And Insider And Enjoy Tax Enjoy Tax BenefitsBenefits

Become A Travel Professional

FAM TripsFAM Trips

FAM Trip (Familiarization Trip):FAM Trip (Familiarization Trip):    Many Many resort areas, cities, tourism boards, resort areas, cities, tourism boards, properties and vendors offer deeply properties and vendors offer deeply discounted trips to Travel Agents to discounted trips to Travel Agents to Familiarize them with their location.  Familiarize them with their location.  These trips are offered as “Perks and These trips are offered as “Perks and Courtesies” to Travel Professionals at the Courtesies” to Travel Professionals at the sole discretion of the host and are usually sole discretion of the host and are usually limited in availability.  There are limited in availability.  There are generally hundreds of FAMs at any given generally hundreds of FAMs at any given time. time.

Following are a few examples of some Following are a few examples of some recent FAM trips.    recent FAM trips.   

IF YOU HAD ALL IF YOU HAD ALL THE TIME AND THE TIME AND

MONEY THAT YOU MONEY THAT YOU NEEDED…NEEDED…

WHAT WOULD BE WHAT WOULD BE YOUR DREAM YOUR DREAM VACATION?VACATION?

LOCATION: PACIFIC OCEAN

MY VACATION GETAWAY

GUEST HOUSES

My Dream Vacation…

PRIVATE BUNGALOSPRIVATE BUNGALOS

IN TAHITI IN TAHITI

A Week in TahitiA Week in TahitiFive DaysFive Days

• Round – Trip Air From Los AngelesRound – Trip Air From Los Angeles

• Five days in a Five Star All Inclusive ResortFive days in a Five Star All Inclusive Resort

• Welcome And Farewell Cocktail PartiesWelcome And Farewell Cocktail Parties

• Taxes And Service ChargesTaxes And Service Charges

$3279 $3279 ppdppd

Best Retail

Agent Rate

$999 $999 ppdppd

79% SAVINGS79% SAVINGS*All travel prices are subject to change at anytime. This comparison is based upon actual data as

of 01.08.05.

This illustration is strictly for the purpose of demonstrating the insider travel offers available to qualified booking agents.

Caribbean 10-Day CruiseCaribbean 10-Day Cruise

Caribbean 10-Day Cruise Cost BreakdownCaribbean 10-Day Cruise Cost Breakdown

Agent Reduced Agent Reduced RateRate

Commission Commission PaidPaid

Cost on Cost on WebsiteWebsite

Savings to Savings to AgentAgent

Caribbean All-Inclusive TripCaribbean All-Inclusive Trip

Caribbean All-Inclusive Trip Cost BreakdownCaribbean All-Inclusive Trip Cost Breakdown

Agent Reduced Agent Reduced RateRate

Commission Commission PaidPaid

Cost on Cost on WebsiteWebsite

Savings to Savings to AgentAgent

Egypt Sightseeing TripEgypt Sightseeing Trip

Egypt Sightseeing Trip Cost BreakdownEgypt Sightseeing Trip Cost Breakdown

Agent Reduced Agent Reduced RateRate

Commission Commission PaidPaid

Cost on Cost on WebsiteWebsite

Savings to Savings to AgentAgent

QUIZ: Did You Know…?QUIZ: Did You Know…?•Taxes are the largest expense for most people. It exceeds what they pay for food, clothing, lodging and transportation combined.

•According to the American Taxpayer Union, in 1958, the average American paid 18% of their gross income on federal, state, and Social Security taxes.

•Today, the average American spends 41% of their gross income on taxes.

•That means you are likely working 5 months of every year to support the government instead of your family!

You Need Tax Deductibility!You Need Tax Deductibility!In the year 2005 the average family in America

paid $3,000 for vacations and travel. As an employee that meant earning about $4,500 at work to net $3,000 after taxes to pay for their

vacations. The tax system in this country was designed for people in business for

themselves. In the case of an employee: 1.) Earn money2.) Pays Taxes 3.) Buys things

In the case of a Business Owner: 1.) Earn Money 2.) Buy Things (Expenses)

3.) Pays Taxes This sequence is very important as you can see on this sheet which illustrates the difference between an EMPLOYEE and a

TRAVEL BUSINESS OWNER. purchasing the same $3,000 worth of travel.

Note: The Travel business owner is also saving 50%, on average, when they are purchasing travel as an insider and also receiving first class treatment. Tax Deductibility, of course, depends on your business use, pursuit of a profit and proper documentation, please consult your

financial or tax advisor.

Earn 60% Earn 60% Travel Travel

Commissions Commissions From Any From Any

Travel Booked Travel Booked On Your On Your WebsiteWebsite

Own Your Own

Travel Business

With a CompanySupported Website

Credibility & Names Credibility & Names

You Know!You Know!

Let’s CompareLet’s Compare2 People – 11 Day Caribbean

Cruise

You Earn $269

$2,778.40 $2,635.20

Prices subject to change, and commission based on negotiated rates as of Prices subject to change, and commission based on negotiated rates as of Oct. 1, 2006.Oct. 1, 2006.

The Answer is Simple The Answer is Simple • If the Price is Comparable for the…If the Price is Comparable for the…

– Same seat on the PlaneSame seat on the Plane– Same Room at the HotelSame Room at the Hotel– Same Vacation ResortSame Vacation Resort– Same cabin on a CruiseSame cabin on a Cruise

Highly Highly AdvertisedAdvertised

Site?Site?

• Who Will Your Friends and Family Buy Their TravelWho Will Your Friends and Family Buy Their Travel From…From…

Or

How Can We Compete? How Can We Compete?

..

Business Start Up CostBusiness Start Up Cost

??

$449.95 – $449.95 – One-Time Set Up FeeOne-Time Set Up Fee Includes:Includes:

Referring Travel Agent (RTA) Credentials for 2 people

Your OWN Travel BusinessEarn Travel CommissionsTravel Agent Perks and

Courtesies Like: Upgrades, Familiarization or FAM Trips, Discounts and Specials

Your Personal 24/7 YTB Business Site

If you are an RTA,

Personally Sponsor and Maintain SixSix RTAs,

and . . .

. . . Your Website

is

REIMBURSED!REIMBURSED!

$49.95 – $49.95 – Monthly FeeMonthly Fee Includes:Includes:

Web site Hosting & SupportCommission Tracking“Deals & Steals” Travel Newsletter e-

mailed to your customers weeklyFulfillment of your customers travel

You can become A Biz Rep for no cost and You can become A Biz Rep for no cost and earn marketing commisionsearn marketing commisions

Benefit From The Greatest Referral Compensation Plan In The

Industry Reps Make Reps Make Money Every Money Every

Time they Time they Refer Refer

Someone To Someone To The Business The Business And They Join And They Join YTB as an RTAYTB as an RTA

The YTB BIZ Rep Compensation

System©

Joyce$1,000

Unlimited 50% Commission MatchPaid On All Personally Sponsored BIZ Reps

Must HaveMust Have 4 Personally Enrolled RTAs - One Can Be Yourself4 Personally Enrolled RTAs - One Can Be Yourself

Mike$2,000

Tim$5,000

$500 $1,000 $2,500

Personally Sponsor At Least 3 REPSTotal 6 Active RTAs In Any

Combination

YOU

11 Personal Personal 2 2 PersonalPersonal 3 3 PersonalPersonal

44JoeJoe

66JimJim

55SamSam

The YTB BIZ Rep Compensation

System©

Joyce$1,000

Unlimited 50% Commission MatchPaid On All Personally Sponsored BIZ Reps

Mst HaveMst Have 4 Personally Enrolled RTAs - One Can Be Yourself4 Personally Enrolled RTAs - One Can Be Yourself

Mike$2,000

Tim$5,000

$500 $1,000 $2,500

Personally Sponsor At Least 3 Reps

Total 6 Active RTAs In Any Combination

YOU

11 Personal Personal 2 2 PersonalPersonal 3 3 PersonalPersonal

44

JoeJoe

66

JimJim

55

SamSam

YOU

The YTB BIZ Rep Compensation System©The YTB BIZ Rep Compensation System©

ZACKZACK1

$5

0 2

$50

3

$50

4

$50

5

$50

6

$50

7

$50

8

$50

9

$50

10

$50

11

$50

12

1

Each Increase of 6 RTAs = $1,000 Each Increase of 6 RTAs = $1,000 BonusBonus

Paid

Th

ru

Infi

nit

y

$2,775$2,775

$50 $50 $50 $50$50

$100

Personal

$100

Personal

$100

Personal

$300

=

= $150

$1000

=

$50

First Six RTAs in Power Team

$300=

Second Six RTAs in Power Team$1000

=

$50$50 $50

11 22 33

44 55 66

11 22 33 44 55 66

TO INFINITY !!!

$2$2$2$2

$2$2$2$2

$2$2$2$2 $2$2$2$2

$2$2

$2$2$2$2$2$2

$2$2 $2750$2750

““DREAM” BONUSDREAM” BONUS At yourTravelBiz.com we believe in Rewarding Excellence. If You’re a Winner, Someone Who’s Willing to Lay it on the Line and Pay the Price, the “Dream” Bonus can help Turn Your Dreams Into Reality!

Here’s How it Works!! Every time your Power Team increases by 100 active YTB RTAs, you will earn an additional . . .

$10,000 Bonus$10,000 Bonus

• At 100 YTB RTAs = $10,000 BonusAt 100 YTB RTAs = $10,000 Bonus

• At 200 YTB RTAs = $10,000 BonusAt 200 YTB RTAs = $10,000 Bonus

• At 300 YTB RTAs = $10,000 BonusAt 300 YTB RTAs = $10,000 Bonus

• At 400 YTB RTAs = $10,000 BonusAt 400 YTB RTAs = $10,000 Bonus

• At 500 YTB RTAs = $10,000 BonusAt 500 YTB RTAs = $10,000 Bonus

3 (BIZ Reps) X $1,000/month = $1,500

6 (BIZ Reps) X $1,000/month = $3,000

10 (BIZ Reps) X $1,000/month = $5,000

20 (BIZ Reps) X $1,000/month = $10,000

100 (BIZ Reps) X $1,000/month = $50,000

REP Directors ProgramREP Directors Program – 500 – 500 RTAsRTAs

Additional Bonuses Include…Additional Bonuses Include…

2,000 RTAs - $50,000 2,000 RTAs - $50,000 BonusBonus

5,000 RTAs - $100,000 5,000 RTAs - $100,000 BonusBonus

10,000 RTAs - $250,000 10,000 RTAs - $250,000 BonusBonus

25,000 RTAs - $1,000,000 25,000 RTAs - $1,000,000 BonusBonus

Revenue Sharing Pool - $2,000 Revenue Sharing Pool - $2,000 Monthly Monthly MinimumMinimumMedical & Life InsuranceMedical & Life Insurance

. . .

“PRESIDENT'S CLUB”

The Sapphire ring surrounded by diamonds is presented to those Reps who have earned $100,000 - $499,999.

The Ruby ring surrounded by diamonds is presented to Reps who have earned $500,000 - $999,999.

The Diamond ring surrounded by diamonds is presented to Reps who have earned $1,000,000 or more.

Have You Ever…Have You Ever… Been in the Right Place,Been in the Right Place, at the Right at the Right

Time?Time?And Realized It Several Years Later?And Realized It Several Years Later?

YTB is…YTB is…The Right Time, The Right Time, and and The Right The Right Place!Place!

Will YOU Realize It NOW . . . Will YOU Realize It NOW . . . Or Several Years From Now?Or Several Years From Now?

YTB is the Opportunity of a LifetimeYTB is the Opportunity of a Lifetime!

Will You see it?Will You see it?

Opportunities Don’t Go Away, Opportunities Don’t Go Away, They Just Go To Someone Else!They Just Go To Someone Else!

What Will You What Will You Do?Do?

• Circumstances Circumstances Stay The SameStay The Same

• Exchange Hours for Exchange Hours for WagesWages

• Pay Higher TaxesPay Higher Taxes

• Pay Full Price When Pay Full Price When You TravelYou Travel

• Circumstances ChangeCircumstances Change

• Unlimited Income Unlimited Income PotentialPotential

• Tax DeductionsTax Deductions

• Earn the Right to Travel Earn the Right to Travel Perks and AdvantagesPerks and Advantages

• Internet Business. . . Internet Business. . . Open 24/7Open 24/7

• Insurance for your familyInsurance for your family

• ““Franchise Type” SupportFranchise Type” Support

• No Experience RequiredNo Experience Required

NothinNothingg

Join YTBJoin YTB

MAKE $$$ GUARANTEED MAKE $$$ GUARANTEED

YOUR SUCCESS YOUR SUCCESS

is is GUARANTEEDGUARANTEED

in WRITING !!!in WRITING !!!

$6000.00$6000.00

Travel…Have Fun…Make $Travel…Have Fun…Make $$$$$

Question ~ What would you Question ~ What would you rather leave on the table rather leave on the table

now $449.00 or $6000.00?now $449.00 or $6000.00?

The Choice is Yours! The Choice is Yours!

Travel as an insider, with perks and Travel as an insider, with perks and

benefits rather than as an outsiderbenefits rather than as an outsider

Travel tax deductible rather than with Travel tax deductible rather than with

after tax dollarsafter tax dollars

Get paid when others travel as an insider or Get paid when others travel as an insider or an outsideran outsider

WHY WOULD ANYONE WANT TO THROW WHY WOULD ANYONE WANT TO THROW

MONEY AWAY FOR NO REASON?MONEY AWAY FOR NO REASON?

IF YOU ARE GOING TO TRAVEL IF YOU ARE GOING TO TRAVEL ANYWAY, DOESN’T IT JUST MAKE ANYWAY, DOESN’T IT JUST MAKE

SENSE TO…SENSE TO…

You took a look now you will You took a look now you will make one of three choices… make one of three choices…

1.1.Sign up Now…Sign up Now…

2.2.You have some questions…You have some questions…

3.3.If this is not for you…please If this is not for you…please book your travel and refer book your travel and refer others to the person who others to the person who invited you to look! invited you to look!

Thank You for ComingThank You for Coming