The Cash Flow Index calculates a score for each debt by comparing the balance of the debt to its required minimum monthly payment. The formula looks like this:
[ {CFI} = {Loan Balance}/{Monthly Payment} ]
The idea is to prioritize paying down the debt with the lowest CFI first, not necessarily the one with the highest interest rate (a method sometimes known as the “debt avalanche”). This approach focuses on freeing up cash flow as quickly as possible, which can provide more flexibility and reduce financial stress.
In summary, the Cash Flow Index can be a useful part of a broader debt management strategy. By focusing on improving monthly financial flexibility, it helps individuals better manage their debts and financial well-being.
Subscribe to our financial course to get more insight.
What is the Online Finance Literacy Course ?
If you ever wanted to create an online business but didn’t know where to start, This is for you!
The online course bootcamp is a brand new class where you’ll discover how to create your next online course and sell it online step by step in the next 30 days.
The class will start on Mondays and class registration is available right now for a limited time. And yes, it is Absolutely Free until this special offer expires.
Here’s how we are going to do it:
Every day starting Monday, for the next 30 days, you’ll receive an email from me with the day’s lesson. Click on the link, watch the day’s training and do the daily action step. Easy!
We are delivering the course that way so you never get overwhelmed or confused.
What Are You Getting?
Here is everything you are going to receive when you register to the online course bootcamp special today.
> The Bootcamp ($297 Value)
For the next 30 days, you’ll get access to the brand new course: “Your Course in 30 Days Bootcamp,” where you’ll learn how to create an online course that your audience will want to buy!
We’ll show you how to do everything with very easy daily action steps.
But you know what? We are not done yet!
> The Coaching ($497 Value)
Here is a huge BONUS just for you. Get access today and you’ll also receive access to our Weekly Members Only Live Q&A calls, where you can ask me any question you might have.
So if you are stuck, not sure what to do or have any questions about your online business, simply send me your question and I’ll answer it live!
Of course, if you can’t make it live, the call is recorded and will be posted in the archives page so you can watch the replay on demand.
What It will do for you (Benefits!)
We kept the Online Course Bootcamp super easy so you can get your online course created Super Fast!
The only thing you need is an email address and you can use your computer (or mobile device) to watch the daily videos.
Throughout the course, we show you everything you need to know to create your online course and sell it online.
Simply follow along, do the day’s step and you’ll have your online course created in no time.
Here’s specifically how we are going to do it:
First, how to easily come up with several ideas for your next online course so you can maximize your chances of creating an online course your audience will want to buy right now!
Then You’ll learn how to select the best idea so you can focus on the one that will be the most profitable the fastest
Once your course topic has been selected, You’ll find out the fastest way to create a powerful outline for your next online course so you can increase your chances of success.
You’ll then easily start creating the content of your online course and we’ll show you how to get it done without any expensive or complicated gear.
In fact, you’ll discover how to use your smartphone and simple tools to get your online course created and ready to sell online in a matter of days (or hours once you get more practice)
You’ll learn how to setup the sales funnel to sell your online course online so you can maximize your profits without ever being salesy or annoying to your audience.
And finally, you are going to discover how to setup your course website quickly so you can accept payments online and deliver your online course in a beautiful members area that your members will LOVE.
Remember, you are also going to have access to the weekly coaching calls, so if you ever feel stuck, simply send us your question and we will answer it during the calls.
And much, much more
What you need to do next to get access
As you can see, today you are getting well over $800 worth of value when you register to the Online Course Bootcamp.
But you know what? Getting access is not going to be anywhere near as much…
In fact, it’s not even going to be $97…
Today you can secure your access to the entire class and the bonus coaching sessions 100% for free.
Yep, that’s right. Secure your absolutely free access right now.
Simply enter your details on the form below to receive your login details.
No credit card required, & no strings attached.
You’ll have free access to the Online Course Bootcamp for the next 30 days.
Go through the entire class and watch all the videos. If after the 30 days you want to keep your account active, there will be an option to upgrade to continue your education. But if you do not want to, that is ok too.
I hope this course helps you and inspires you to take action and get your next online course published online.
Why is it free?
If you are wondering, “Hey, this sounds awesome, but why is it free? What’s the catch?
Good question.
First of all, there is no catch, and yes, you get access to the class 100% free, no strings attached.
The reason we are doing this is because it’s our way to help and thank you for being part of our community.
If you have been following us for a while, you know we do things differently around here.
Unlike all these “Gurus” out there trying to sell you expensive courses on “How to Create a Course,” we want to stand out from that noise and be different.
And our way of doing this is to share everything we know about how to create your online course step by step and make it available to as many people as possible.
Simply enter your details to secure your free access before this offer expires.
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Build Your Wealth And Leave Legacy for your children and grand children.
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Welcome to our FREE membership level!
Test drive C J Investment Academy core features set free for 6 weeks
This comprehensive step-by-step learning system is your next logical step to secure a
better financial future for you and your family. You’ll quickly learn how to think like the
rich and do what the rich do to make money work for them.
This program includes Cedar Tree wealth-building strategies—along with all the tools,
secrets and shortcuts that the rich know and use to build wealth.
We have created this course out of many years of struggle, trial and error, losing thousands
of dollars along the way, until we found the code.
We wanted a program and system that was affordable for EVERYONE interested
in improving their financial well-being. So, along with 6 figure coaching training experts
and JV partners, we spent months putting together this incredibly valuable and effective
program to give you the financial education and step-by-step instruction you need to
Improve your own financial future, as well as that of your family or team.
You can save over 90% off the value and time of this powerful system when you
upgrade to advanced levels after the 6-week introductory offer.
PLUS, your satisfaction is guaranteed. If you don’t think this system will help you finally get out
of the rat race once and for all, contact our team for a full refund within the first 3 days of upgrading.
No questions asked!
The financial future you’ve always wanted starts today. Get started today and make this year your best year ever!
Besides, we want to empower you by offering you our partner program to help you earn
some money when you share this course with others. The higher you upgrade, the more you can earn a residual commission.
The ball is in your court.
This is what we have in store for you: 6 modules on finance and investing:
Savings, banking, budgeting, shopping tips, understanding types of loans,
credit cards and how to manage debts, investing and financial planning, general
advise on insurance and superannuation and many more[We are not financial advisors, you encouraged to seek independent advice from qualified financial advisors.]
Quizzes
Option to upgrade
“If you will change, everything will change for you.”
“How tall will a tree grow? As tall as it possibly can.”
This is a promise for all of us:
For Things to Get Better, We Must Get Better!
Robin is living proof for me. As I observe him personally, the quality of his work,
and the enormous growth of his enterprise, he sets a high bar for us all to aspire to.
Commit to a daily process of personal growth and mastery, and you will see your results
multiply over the coming months and years.
Also, when I put these types of training together, they are normally released at a premium tug.
But because I care for you, I am giving you premium content for next to nothing, all of my hard work
for pennies when it took me so long. So much frustration to not only put the content together but
to put it together in an easy-to-follow format and sequence that anyone can come in and swoop right up.
However…
I do understand that without the proper guidance, you could keep on spinning your wheels fast while going nowhere.
I only wish someone would have put together training like this when I first got started. We give it to you on a silver platter,
the decision is yours, to remain the same or change for the better!
To your success,
I have known Charles Vincent Kauwasha for many long years now since we first met in Accident and Emergency department of Hutt Hospital Lower Hutt New Zealand, where he was an emergency nurse. I had a problem with my heart and very quickly learnt to trust him with my life! we got talking about our businesses and exchanged contact details. Charles has been a loyal friend and business contact here and on whatsapp etc ever since that time, even after he moved from New Zealand to Australia. Charles is a very honest, loyal and trustworthy person, both in business and as a friend. I highly recommend Charles as a safe person to know and do business with.
Charles has provided me with many – free but easy to use marketing tools. If you are new to affiliate marketing – Charles is the best person to go to
With his humble beginnings overseas, Charles would be a perfect mentor for someone feeling trapped with not much to look forward to in future. Listen to his story and be amazed and inspired… starting with nothing to where he is! He will teach you about the power of perseverance. Well done Charles
A unique and profound CEO I have seen in our times, I have seen the calibre in Charles. Charles has a performing influence drive from his desires to do work in an extraordinary way. Charles is adeliver, you will not regret working on projects with him
I Studied with Vincent Kaluwasha during this programme. A highly skilled and knowledgeable individual. Passionate about Occupational Health and would suitably work in the is capacity anywhere in the world”.
JACOB JOSEPH SAKALA-NURSE CONSULTANT
Charles is a man with a great deal of integrity and takes pride in his work
I’ve known Charles for many years and every encounter has been a happy one….he has a wonderful attitude towards life. He is a man of integrity
C J Investiment helped me to secure my first investment with couple of weeks. I will recommend their services to anyone looking for best investment in any city or country
I have seen how Charles has evolved from nothing to setting up a real estate portfolio with determination -Jessica McDade He is a man of integrity and passion who leaves a stone unturned!
All the developers of D5 Creation have come from the disadvantaged part or group of the society. All have established themselves after a long and hard struggle in their life
Thanks to you Charles, we can be there when the worst happens to give people the emergency medical care they need – and rapid transport to hospital. Your support means that CareFlight can fly at a few minutes’ notice, to some of the most inhospitable places in this country. It means patients like Simon can be reached quickly with hospital-level emergency care at the scene – and in cases like Simon’s every minute counts.
On behalf of everyone at CareFlight, thank you for your generosity – and have a wonderful holiday season. Thank you so much
Dear CVK, Awesome, a huge thank you for your prompt response!!! I feel blessed to know you.I love your inspiring video and I have learnt a lot from your nicely arranged presentation. I can’t remember the question I paused to you myself but it feels like whatever it was I asked you has been effectively dealt with in your powerful video. By the way, I strongly feel you can make a good mentor of mine considering the massive education and experience you have acquired through the years. Let me know if you can do this for me because I firmly believe there is a purpose why God brings certain people into our lives which is to help us achieve our fullest potential and arrive at our God-given destiny. Remain blessed forevermore in Jesus mighty name, Amena!!! By the way, many thanks for your quick encouraging feedback and for the free book offer on how to attract people to my biz.Will study the book ASAP and I should be able to implement what I will learn and will see where that will take me. I am looking forward to a rewarding interaction between the two of us. Once again, thank you for your non-wavering support and encouragement you have rendered to me over the years. I thought you had given up on me and forgotten about me since I appeared to be wasting your time. I am still interested in salvaging my life and do something new and big because I am tired and sick of living a mediocre kind of life. Please help me if you can by God’s grace. Have a blessed day my Brotherman
Charles, right now, a lot of people in this country are saying, “Thank you.”Thank you for being there when they needed help most. Thank you for taking charge when their world was turning upside down. Thank you for giving them confidence, when they were afraid and needed life-saving help. As a CareFlight Support Crew Member, you are making such a difference for so many people. Your regular donations help save lives and keep families together. Patients like Thomas, who told us, “You made it possible for me to survive.”And Agnes, who said, “I’m very grateful a service like CareFlight exists.”Below are some more messages of thanks: Thanks from the patients you help. As we head into another year, we know there will be even more people who will call on our services. So, I’d like to add my heartfelt thanks to those of our patients, for your steadfast support. Together we are ensuring CareFlight is always there for people when they call for our help. Whether it’s intubating a patient at the scene of an accident, or ensuring a newborn is safe on a flight from a remote area to a major hospital for treatment, our patients cannot speak highly enough of the care they receive. Charles, that care is part of a chain that starts with people like you. These expressions of gratitude, from all over the country and from all walks of life, show you how much your support is valued – and how much it is needed, more than ever. We can’t do what we do without you.
Dear Charles
If this year has taught us anything so far, it’s that none of us ever truly know what is around the corner.
That’s why I can’t thank you enough for your support that ensures we can continue to provide life-saving aeromedical care to Australians most in need.
Our CareFlight crews are in a unique position to understand what Australians have been going through. Every day, we care for people who have found their world shaken by a sudden accident or illness – coping with circumstances almost none expected to face when they woke up that morning.
People like Simon Bowman don’t like to rely on others for help. But one day, as he lay trapped inside his car after a terrible road accident, with suspected injuries to his spine and shoulder and a possible head trauma, Simon needed life-saving help desperately. CareFlight was there in a matter of minutes.
CareFlight’s rapid response helicopter service is so vital in situations like this. Our crew can be airborne in minutes and by the side of our patient, delivering hospital-level emergency care as fast as possible.
Simon doesn’t remember much about his accident, but he does recall the voices of the CareFlight crew as they worked urgently to treat his injuries. Simon told us: “I knew there was someone looking after me and that I was in good hands.”
Our mission is to deliver people the very best care. We’ve spearheaded international aeromedical innovations such as our stretcher bridge system and become the first civilian service to carry blood plasma to the scene of an accident.
The care, the state-of-the-art equipment, those voices which reassure patients that they are in the hands of skilled professionals they can trust – it’s all thanks to people like you.
Simon has recovered and recently visited our base to meet some of the crew. He has never forgotten the help he received from CareFlight, so meeting them again was an emotional experience.
Seeing the helicopter that transported him to hospital, he was amazed at its size. He confessed he’d never been that keen on helicopters, “but I was very keen that one was there that day.”
Your support for CareFlight is helping to save so many lives, like Simon’s.
Thank you so much.
HAPPY BIRTHDAY, CEO!! peacemaker, Shepherd, wise, intelligent, focused, hardworking, caring, loving, forgiving, Husband, Granddad and most importantly best Father Charles V. Kaluwasha. We’ve been truly blessed to have you as our mentor and protector. We thank God for keeping you alive and healthy. Today we celebrate your 60th, a blessed milestone! Next, we count down to your 100th BIRTHDAY. WE LOVE YOU and pray we have you as our father in the next life- @Kendy Kaluwasha
Charles is a very intelligent individual and is very knowledgeable in regards to the Australian Real Estate market. We continue to work a long side each other and we will be for a very long time. He is a much needed asset to my business and growth of my business in the future.
Charles, is very knowledgeable about real estate and great person to connect with. He teaches what he has done himself.
My great sponsor, you inspired me a lot, you are really God sent, to make life better for me, I will not hide it from you, that I really have a little bit of financial contains, because all what I was saving for my travel I left 60%of the money to take care of my two children, to buy a bag of rice and different foods stuff. so here in Monrovia I don’t want to sit idle I just want to start some clothing business, so I am pleading what everything you help me with for the sake of God Almighty, God will surely triple it in return. Thanks sir and God bless you the great man one day you will be the richest man in Zambia, God bless you. I pray that the money will grow more than ten billion dollars. Amen sir, thank you sir, one day you will be a leader in Zambia, by the Grace of God, that my vision for you sir.
Thank you sir hope your work and business expand. Greatness is your portion on a daily basis. You inspire many to pursue their dream, so good to see you pave the way.
You are just not any other resource mwanta, but a creative, proactive and as sharp as a double-edged sword. I love the way you have put together connected opportunities available in our programme and the turning of light by the blind buddy. This is awesome, This is incredible!! https://www.entredevec.com/
Hello. How was the day? Mine was fine, and I was reading the testimonies people are presenting about you. You are great, and I want to learn from you. I am really impressed with your work, experience and expertise. Continue helping us.
The book Launch speech On 25 November, my co-authors and I had to present our speeches. One week later, this is what people had to say… Mwebantu…who has @Charles Kaluwasha speech at the book launch 😄 It was POWERFUL-Cranston I tell you, that was captivating I don’t think people remembered to press record. For the book am reading ba @Charles Kaluwasha story and while reading am imagining it being told just like the speech 😀. -Cranston I hope someone captured it; maybe check the zoom recording as well. He was on fire 🔥 🔥🔥🔥🔥 It was fun to listen to. –Cranston Personally, I can confess…after technical difficulties and having to personally meet and speak to the VIPs I invited…it was VERY refreshing to sit in the audience and just take in what you had to say. It was so good 😄-Cranston Yeah, he was on fire…I thought he was going to make a book launch altar call 😄. There was so much energy, and time was not our best ally; otherwise, we were going to spend a night there.- Paster Kennedy Phiri The story is also good, so authentic and inspiring. If I was not yet abroad, that is the story I would like to read. The speech made me want to read it first, despite being the last reading 📖.-Theresa D’Amaden
Hi Charles, I hope this message finds you well. I have been inspired by your achievements as the Founder & CEO of CJI, a Real Estate Investor & Developer, as well as your status as a #1 Amazon Bestselling author. Your entrepreneurial skills and dedication to delivering exceptional results for over 10 years are truly commendable. As a mortgage broker, I understand the importance of having a strong network of professionals to support and empower success. I wanted to reach out and offer my assistance as well as explore potential collaboration opportunities with you. Whether you need assistance with home loan refinancing, business loans, or any other financial solutions, our team is here to help. We specialize in tailoring our services to meet the unique needs of busy professionals like yourself. With our expertise, we can provide the support you need to fuel your real estate ventures and continue your entrepreneurial journey. Additionally, I wanted to highlight our referral program. We believe in the power of collaboration and building strong relationships within the industry. If you come across any individuals or clients who could benefit from our services, we would be more than happy to assist them. Likewise, we would be glad to refer clients to you whenever there is an opportunity to leverage your exceptional entrepreneurial skills, coaching, and mentorship. I would love to have a quick chat with you to discuss how we can collaborate and support each other’s success. Looking forward to the opportunity to collaborate with you, Charles, and empower each other’s entrepreneurial journeys. Jay Menon www.jjmfinancespecialists.com.au
Congratulations partner on the 6th year anniversary of your hard work. Your ability to embrace open-mindedness, being passionate, having a sense of selflessness and fulfilment of life; with the greatest desire to impact others, are the greatest keys that have helped you to record such an amazing achievement.
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