Income Snowball Video

Learn how to replace your earned income and create predictable, recurring monthly income while paying off debt with the Income Snowball System.

If you've been enlightened after watching the video, please click "like" above and leave us a comment below!

Darren Hairston
almost 3 years agoDecember 17, 2014
39:29:22
video cut off @ 39:29
please send correct link for full video
Anonymous
almost 3 years agoDecember 17, 2014
Hi there!   We have had almost 200 views since we released this video last month.  To my knowledge you are the only person I know of with this issue.  I will look into why you are experiencing this.
Brian
almost 3 years agoDecember 22, 2014
Your Math is so wrong.  Borrow $10,000 then spend another $1200 a month for six months to pay it down.  That's $17,200 spent. Your only getting back about $12,000 over three years. Your paying out More than you are bringing in.  This is a joke. The $340 includes your 10k principle.  Your costing over $5,000.  Scam.
Anonymous
almost 3 years agoDecember 23, 2014
Hi Brian,
It actually works out. I had been skeptical myself. I have my BS in statistics so naturally I did a bunch of calculations using the time value of money to calculate the interest I could expect to receive and the interest I'd be paying the bank on the loan. In my calculations, over the 6 months that it'd take to pay back the loan (they only have you borrow what you can pay back in 6 months), I figured that the interest I pay would be about the same as the interest I'd be receiving, and after 6 months, the loan is paid for so the rest of the interest is debt free. (I have a higher rate from the bank and a lower rate from Lending Club than what they use in their examples. It would work out even nicer with it flip flopped, but such is life.) I'm also an accountant, so I've been keeping track of everything, not just the principal amounts. It was laying out as expected. But I was able to pay off the loan sooner than expected, so the total interest paid was even less. So far, in the past 5.33 months, I've paid $596.01 in interest to the bank, and I've received $923.74  in interest from the Lending Club borrowers. And since my line of credit for this particular round is paid off, any additional interest won't have the expense due to the bank attached to it. $600 for a loan for 5 months is expensive, but the interest (not considering the principal in the payments) does cover the cost of the loan. This is all from my first flip, so it should build on itself as well. I didn't do the calculation of how much interest I'd get just using my salary with which I pay off the Line of Credit. That'd be interesting to do though and see how much one's gaining by borrowing from the bank. I may do that just to see. :)
Hope this was helpful. Cheers. 
- Robyn
Temia Thompson
almost 3 years agoDecember 22, 2014
00:00:00
Are u kidding!  We enjoy 600  a month without lifting a finger. I am a stay at home mom and we just purchased our second home!  This method its tried and true!
temia Thompson
almost 3 years agoDecember 22, 2014
One more thing... explain how u get a patent with a scam! Brian...your math is wrong.
Stuart
almost 3 years agoDecember 23, 2014
00:00:00
Brian,
It's a process that includes tracking expenses, a line of credit and being an investor in notes.  It is what business do everyday of the week. They turn inventory (food, furniture, cars, etc.) over and over using the banks money, accounts payable and the consumers  money.  In fact the bank does it with your money that you loan to them at less than 1% and re loan it back to you at 4 to 28% AND because of something called the fractional reserve,  are able to do that multiple times. 

I admit, the numbers seem unbelievable. You are using your excess cash that is your basis. (or you can let the bank use your cash flow instead)  Business succeed because of cash flow management,  why don't we as consumers follow their lead rather than being a slave to them.   There is a proverb that says "be lenders,  not borrows". That is what peer to peer lending is.  It what banks do with your money. 

You should call Tardus and ask Tanisha to help you understand before you blast someone's diligent work to serve and care for other people.  She and herhusband have  hearts of Gold and should be charging 3 times as munch for their coaching services. 

I personally use their services as does many of my friends and family.  After spending over thirty years in the financial world helping people and businesses-corporations build accumulation so they can have cash flow later,  I am now convinced that we should build cashflow instead, like the banks and business do, which in turn builds accumulation.
Tanisha Souza
almost 3 years agoDecember 23, 2014
Thank you Brian, Temia, Robyn, Stuart...everyone for your comments.  I'm traveling and this is my first opportunity to take a look at all of your comments and respond.  Brian, I've gone through your email a few times and tried to figure out where my video may have confused you.  I think the element you are missing is the borrowed money.  You might want to review the first quarter of the video where I explain compounding and reverse compounding and the power of using the bank's money instead of your own.  As a society, we've really been programmed to think the exact opposite of what I teach which is why 95% of people retire broke.  It's not an easy concept for most people to understand and the 75 minute video is designed to be an introduction to the concept.  So let's compare apples to apples.  

In the first scenario, I show how if you used the Income Snowball once using a line of credit, you pay off the line of credit in six months using: (1) your $1,200 monthly excess cash flow; and (2)monthly principal and interest income payments received from the investment made using THE BANK'S money.  

In this scenario, you've used $7,200 of your own money and $10,000 of the bank's money to make money.  After six months, you cash in on the 30 remaining payments which amounts to $10,200.  Now, if you subtract the $7,200 of your money that you put in, you're left with $3,000 in income payments to you.  That's a 42% cash-on-cash return on investment (ROI) over 3 years.  (cash-on-cash ROI = $3,000 divided by $7,200)  Not a bad return on $7,200 cash.

In scenario 2, if you invested $10,000 of your own savings and simply let the money compound over 3 years, you'd receive principal and interest payments of $12,240.  But once you subtract the $10,000 of your own money you put in, you're left with $2,240.  That's a 22% cash-on-cash return on investment (ROI) over 3 years.  (Cash-on-cash ROI = $2,240 divided by $10,000)

So you see Brian, you're not paying out more than you're bringing in.  You haven't spent $17,200 and made $12,000 over three years.  Without working more or spending less, you're making money.  And the best part is, the scenario above is the worst case scenario if you stop it immediately after you start it because the Income Snowball (not to be confused with the debt snowball) gets progressively and exponentially bigger and better as you continue using it because the principal and interest income you receive (with this particular type of investment) gets added to previous amounts and soon it far eclipses your own personal cash flow and finally replaces your income.  It really gets fun when you begin to use different types of investments and use it pay off debt.

To summarize, unlike what we've been conditioned to believe about investing in a traditional sense, I don't consider this to be an investment strategy, but rather a cash flow strategy.  It's not about making more interest on an investment vs. interest paid to the bank.  It's about creating significantly more monthly income altogether than you would pay the bank each month and having that money compound on itself to create more money rapidly.

Although the Income Snowball system demonstrates the superiority of using the bank's money over your own, believe it or not the Income Snowball can work (with at least one investment vehicle) even if you use NONE of your own money.  It's just takes a little longer.

Fortunately, I had the opportunity to have a lot of people much smarter than me review my math and how all of this works before I submitted it for patent review.  It took over 5 years, but I finally got the patent on this system in July of 2014.

I hope this helps clarify things for you.  Feel free watch the first third of the video again, and call our office to speak with a wealth coach if you have further questions.
Brian
almost 3 years agoDecember 27, 2014
You are all 100% correct.  I have rechecked my math.  Recognized several errors, and found that this is an excellent use of excess cash flow.  Thank you for making it available to us.  And of course, I truly apologize for my math errors and inaccurate online statement.
Tanisha Souza
almost 3 years agoDecember 27, 2014
Thanks Brian!  I'm glad it makes sense to you now.  We hope to be able to work with you some time in the near future.
Kathy
over 2 years agoFebruary 11, 2015
I have been using this system for about a year and a half and I love it! I was so burned out trying to make money from sales businesses because I'm simply not good at it. This truly passive income is my dream come true! We had no personal outlay of funds at any time, no calculated change in spending habits, no effort to sell or recruit. We are now receiving $1200+/mo in *spendable* income, which is only going to go up if we keep doing what we've been doing. We have paid off all debt except our mortgage and are about to take a month-long trip to Europe.  I have never been happier with any coaching program I have ever seen. I am delighted we found Tardus!
Anonymous
over 2 years agoFebruary 12, 2015
The video cut off at around 70 minutes for me. I know it was just the wrap-up, but wonder if people who are not using the system, like me, will also not be able to view it in its entirety. Also I like the new video - everything is well-explained. Thanks a lot!
Tanisha Souza
over 2 years agoFebruary 12, 2015
Aloha!  We've had almost 400 views now and very few people have not been able to view the entire video.  Most of the people who watched it were not using the system when they first saw it.  You only missed the last few minutes of the video, but I suggest you go online and request a free strategy session so you can be our next success story!
Kehau
over 2 years agoFebruary 27, 2015
I would love to learn more.
Tanisha Souza
over 2 years agoMarch 2, 2015
Hi Kehau!  We would love to share more with you.  I suggest that you give our office a call Monday - Friday 9am to 5pm and ask to speak with a Wealth Coach to schedule a free strategy session.  Let the Wealth Coach know that I asked you to call.
Tanisha Souza
over 2 years agoMarch 2, 2015
Kehau, you can also request a free strategy session from our website here:  http://www.tardus.com/wealth-coaching.html
stuart
over 2 years agoMay 30, 2015
i love learning a new investment vehicle
Yan Fortin
over 2 years agoJuly 23, 2015
"The name of the game is income", Robert Kiyosaki...

I love the introduction: What's easier, accumulate a 7 fig pile of money or create a passive income of 5k per month in few years?  To ask the question is to answer it...
Tanisha Souza
over 2 years agoJuly 24, 2015
EXACTLY Yan!  And more and more people are coming to the conclusion that there must be a better way.  You've already figured it out.
Dr Kevin Campbell
about 2 years agoAugust 9, 2015
I wish I had this kind of education 30 years ago.   My world would be so different now. This is a fantastic company.
Stuart Funke
about 2 years agoAugust 16, 2015
00:00:00
The financial industry, of which I was a part of for over 30 years, has taught us to accumulate in IRA'S and 401k's for 40 to 50 years, a bunch of money so that we can HAVE cash flow in retirement.  Of course,  it will take well over a million dollars to recieve about 4,000 power month in today's dollars and not spend down the capital and hopefully allowing it to appreciate at the same rate of inflation to maintain the same purchasing value   (ie. The rate that the dollar is depreciating).

How ridiculous.  It is much easier to change your thinking and create cash flow like companies do and Tanisha's patented income snowball does, flipping the banks money over and over again just like they do with your money you loan to them at next to nothing (savings, CD's or checking accounts).

Change or thinking from what "they" wanted us to know, do just do what they have been doing. THEY is business,  banks and the financial industry.   It will change your life.  Increase your financial margins by first.
1. Decide what you realty want to spend money on it. Reduce outgo. Than,
2. Find ways to make increase can flow like the income snowball and cash flow real estate, than
3. Aggressively attack your debt including your mortgage if you have one. 

The outcome will be, you will begin to control money instead of it controlling you. Enjoy family, relationships and spiritual life more.  As a old song says "Make a new plan, Stan,......Set yourself free"
Anonymous
over 1 year agoMarch 10, 2016
So cool to hear from a financial advisor in the industry for 30 years!!!
Muhammad Asghar Aziz Sanjarani Baloch,
about 2 years agoSeptember 7, 2015
01:16:70
Thank you so much,,,,,,,,,,,,,,,,,,,,,,,,,,,,,Muhammad from Karachi, Pakistan.
David Rutan
almost 2 years agoDecember 13, 2015
I am very confused by the video.  I am a professional financial advisor and have been in the industry for many years.  I am left with more questions than answers and don't see the real outcome but trading debt for payments, lets see the math, not a bunch of sales pitch.  Show me the excel spreadsheet, please.  Anyone?
Rachel
almost 2 years agoDecember 13, 2015
Hello David, I'm a former financial planner and a Wealth Coach at Tardus.
Please call the Tardus office (808.440.4941) and leave a ms. for me with your email and phone number and I will be happy to get back to you and address your questions. Aloha, Rachel
Thomas
almost 2 years agoDecember 17, 2015
21:37:82
At around the 21 minute marker you want to change what you say for the rule of 72.  "Take 10,000 divide it 14 you get 5 a little over 5"  Change the 10,000 to 72.
Tanisha Souza
over 1 year agoFebruary 9, 2016
Good catch Thomas.  We're revising the video to make it simpler and using an example with a different investment.
Larry Warren
over 1 year agoJune 21, 2016
What's the cost
Anonymous
over 1 year agoJune 21, 2016
Hi Larry, we offer 5 different programs, so it depends on whether you're a new or returning client and what level of coaching support you need.  The first step is to call our office and see if you qualify and if the system will work for you and what your result will be by following the plan.  The price isn't really relevant until we know what the system can do for you.
Brad
over 1 year agoJuly 24, 2016
I am self employed (realtor) with inconsistent monthly income (some months none).  Will this program be harder for someone like myself?  Will it work?
rhonda smith
about 1 year agoAugust 24, 2016
I am interested , how can I speak to someone ?
Tanisha Souza
about 1 year agoAugust 24, 2016
Hi Rhonda, please call the office at (808) 440-0688 and ask to speak with Chris or Tanisha.  We will probably forward you to one of our coaches, but we'd like to talk with you first.  If I'm unavailable, please tell my assistant who you are, leave your number and the best time to reach you.
Marta Segura
12 months agoNovember 10, 2016
I am unable to play the video before my first meeting with Tardus tomorrow.
Anonymous
12 months agoNovember 10, 2016
Hi Marta, it might be your browser or the device you are trying to play it on.  Can you try a different internet browser?  If you are using a PC or Mac it should work, but you might try Chrome or Internet Explorer.
Anonymous
8 months agoFebruary 16, 2017
Hi Tanisha, this system really looks awesome. Quick question though, you said the following in the above comment: "Income Snowball (not to be confused with the debt snowball) gets progressively and exponentially bigger and better as you continue using it because the principal and interest income you receive (WITH THIS PARTICULAR TYPE OF INVESTMENT [emphasis mine]) gets added to previous amounts and soon it far eclipses your own personal cash flow and finally replaces your income."

The investment you are referring to above is P2P lending. If you lived in a place like Maryland or Ohio, can you still do the income snowball as P2P is not allowed in those states? If so, what is the difference in the monthly accumulation between P2P, and another recommended investment? What would the closest thing to the return from a P2P be for people in Maryland or Ohio? We would love to do this system, but we are somewhat concerned that all of the examples we can find for the income snowball use P2P as the investment vehicle. It almost makes it seem like someone who could not do P2P need-not-apply. 

Thanks for your time! And what a great system :)
Anonymous
6 months agoApril 19, 2017
How ill this work if I was in South Dakota? will the results be the same?
Tanisha
6 months agoApril 19, 2017
The results only depend on your cash flow and amount of the line of credit you use.  It doesn't depend on where you live.  So provided you qualify, it will work the same way.
Anonymous
6 months agoApril 20, 2017
Will it be better to try this system after I buy a house? The credit I will be borrowing will limit my buying power for home mortgage. And what bank will I be borrowing from if I decide to try this system?

Thanks for your time!
Anonymous
6 months agoApril 20, 2017
Will it be better to try this system after I buy a house? The credit I will be borrowing will limit my buying power for home mortgage. And who's  bank will I be borrowing from or can I borrow from any bank if I decide to try this system? Can I use my own $10K for this system

Thanks for your time!
Tanisha
6 months agoApril 20, 2017
Hi there!  I can't really answer that question without more information.  The answer will depend on your cash flow, current credit score and DTI, and where you live.  I wouldn't advise using your own cash unless it secures a line of credit to start the program.  The reason is that you will make more money and you will make it faster if you don't use your own money.
Tanisha
6 months agoApril 20, 2017
I would suggest you contact our office and request a free strategy session.  They will be able to outline the best course of action and see if you qualify for the program in the first place.
David
2 months agoAugust 17, 2017
It seems like you have to be willing to spend a lot of your personal income to pay down these loans.  $1,200/month is $14,400 per year
Tanisha
2 months agoAugust 17, 2017
Hi David, thanks for your comments.  Reading the comments of others may help you gain a deeper understanding.  You need some initial cash flow to make the system work and in this example we use $1,200.  However, you are paying off the line of credit multiple times per year at a faster pace each time because once the cash flow you gain begins to "snowball" it dwarfs the initial amount of cash flow you're putting in.  If you liquidated the assets you purchased with the line of credit after the first year, paid off anything remaining on the line of credit and paid yourself back all of the cash flow you "put in" or the $14,400, you would end up with a very nice profit.
Your comment