![MUST SEE: Three Steps To A Free Motivated Seller Lead Surge [Video]](https://video.getpvd.com/wp-content/uploads/2022/09/mp_149606_0_0jpg.jpg)
MUST SEE: Three Steps To A Free Motivated Seller Lead SurgeFLIPPING WEDNESDAY – The Formula For Finding FREE Deals In Your Local Backyard. YES FREE LEADS! FLASH SALE: For a limited time, I’m selling [9 left] of my FLIPPING WEDNESDAY (Retail $4,750.00) for just $138! Plus 3 Free Gifts Flipping.MyRealEstateDOJO.com Learn how to generate free home seller leads in your backyards without spending any money in marketing. Yes, do not risk your money in marketing, as I will show you how to create free leads with your computer. Plus I will show you how to filter the leads into motivated sellers so you can save time and close more deals. Please click the LIKE and the Subscriber Button. Thanks for watching. Don’t forget to download my FREE Seller Financing Real Estate Investing Book @ http://www.MyRealEstateDOJO.com 🚀 NEW – Seller Financing Course (SubTo Contract, Scripts, Live Calls, Role-play, Free Leads, Flyers, Pulling Foreclosure Free, FaceBook Marketing, SubTo Negotiation, Paperwork/Guides and more..) Your Complete Guide To Buying Real Estate Without Borrowing From a Bank, Without Using Your Credit, and Without Needing Piles of Cash. 24 PROVEN COURSES $200 http://Launchpad.MyRealEstateDojo.com👍 BICYCLE FLIPPING – The Best Six-Figures Side Hustle. Make Money Now…While Learning the Real Estate Investing business. Here’s a behind-the-scenes video of how I do it. http://TheNewFlip.com 💵 My In-depth Virtual Assistant Course: http://VA.MyRealEstateDojo.com 🎓 Join The Weekly Mentorship http://Academy.MrNoFluFF.com 🛑 Need Automation Funnels? (Landing Page + Email Sale & Follow-up Series) http://funnel.sorayaivette.com/📞 Recommended Text/SMS Marketing Text Magic: https://www.textmagic.com/?fpr=smsmarketing📧 Recommended Email Marketing Software Active Campaign https://www.activecampaign.com/?_r=K5ULDV87 Aweber: https://www.aweber.com/easy-email.htm?id=515478 💥 Need a website DOMAIN NAME? NameCheap: https://shrsl.com/35fly NFT Domains Get $10 Credit: https://unstoppabledomains.com/?ref=ef20dada2a7f45b🖥 Need website HOSTING? Recommended hosting platforms: Bluehost: https://www.bluehost.com/track/sivette Hostinger: https://www.hostg.xyz/SH94K 👍 Need a WEBSITE? http://funnel.sorayaivette.com/📧 Professional Business Email Google Workspace: https://referworkspace.app.goo.gl/kKxH 💰Need a CRYPTO HARDWARE WALLET? Ledger: https://shop.ledger.com/?r=16ab5abc65b3 💰BITCOIN: Sign up Coinbase & get $10 free Bitcoin Coinbase: https://www.coinbase.com/join/59018a5ea271ba02386f6408 👬 Join the Real Estate Discussion forum ▶︎ http://Community.MrNoFluff.com {This post contains affiliate links. If you use these links to buy something we may earn a commission. Thanks.”}DISCLAIMER: This is NOT Financial advice, Legal Advice, Accounting Advice. Everything expressed here is my opinion. I am not responsible for any investment decisions that you choose to make, please do your own research before risking your own money. Read more: https://www.myrealestatedojo.com/pages/earnings-disclaimer#MotivatedSellerLeads #FreeMotivatedSellerLeads #Leads
personal finance
![My Thoughts on World War 3, They’re Lying!| General Mobilization, Energy Shortage, Hyperinflation [Video]](https://video.getpvd.com/wp-content/uploads/2022/09/mp_149581_0_0jpg.jpg)
My Thoughts on World War 3, They’re Lying!| General Mobilization, Energy Shortage, Hyperinflation Please click the LIKE and the Subscriber Button. Thanks for watching. Don’t forget to download my FREE Seller Financing Real Estate Investing Book @ http://www.MyRealEstateDOJO.com 🚀 NEW – Seller Financing Course (SubTo Contract, Scripts, Live Calls, Role-play, Free Leads, Flyers, Pulling Foreclosure Free, FaceBook Marketing, SubTo Negotiation, Paperwork/Guides and more..) Your Complete Guide To Buying Real Estate Without Borrowing From a Bank, Without Using Your Credit, and Without Needing Piles of Cash. 24 PROVEN COURSES $200 http://Launchpad.MyRealEstateDojo.com👍 BICYCLE FLIPPING – The Best Six-Figures Side Hustle. Make Money Now…While Learning the Real Estate Investing business. Here’s a behind-the-scenes video of how I do it. http://TheNewFlip.com 💵 My In-depth Virtual Assistant Course: http://VA.MyRealEstateDojo.com 🎓 Join The Weekly Mentorship http://Academy.MrNoFluFF.com 🛑 Need Automation Funnels? (Landing Page + Email Sale & Follow-up Series) http://funnel.sorayaivette.com/📞 Recommended Text/SMS Marketing Text Magic: https://www.textmagic.com/?fpr=smsmarketing📧 Recommended Email Marketing Software Active Campaign https://www.activecampaign.com/?_r=K5ULDV87 Aweber: https://www.aweber.com/easy-email.htm?id=515478 💥 Need a website DOMAIN NAME? NameCheap: https://shrsl.com/35fly NFT Domains Get $10 Credit: https://unstoppabledomains.com/?ref=ef20dada2a7f45b🖥 Need website HOSTING? Recommended hosting platforms: Bluehost: https://www.bluehost.com/track/sivette Hostinger: https://www.hostg.xyz/SH94K 👍 Need a WEBSITE? http://funnel.sorayaivette.com/📧 Professional Business Email Google Workspace: https://referworkspace.app.goo.gl/kKxH 💰Need a CRYPTO HARDWARE WALLET? Ledger: https://shop.ledger.com/?r=16ab5abc65b3 💰BITCOIN: Sign up Coinbase & get $10 free Bitcoin Coinbase: https://www.coinbase.com/join/59018a5ea271ba02386f6408 👬 Join the Real Estate Discussion forum ▶︎ http://Community.MrNoFluff.com {This post contains affiliate links. If you use these links to buy something we may earn a commission. Thanks.”}DISCLAIMER: This is NOT Financial advice, Legal Advice, Accounting Advice. Everything expressed here is my opinion. I am not responsible for any investment decisions that you choose to make, please do your own research before risking your own money. Read more: https://www.myrealestatedojo.com/pages/earnings-disclaimer#WW3 #worldwar3 #personalfinance
![Owen’s 5 tips for starting a business (introducing The Australian Business Podcast) [Video]](https://video.getpvd.com/wp-content/uploads/2022/09/mp_149314_0_0jpg.jpg)
Did you know there are 2+ million businesses in Australia (2/3 are sole traders)?Owning businesses is the key to wealth (Buffett invested in other people’s businesses, Oprah bought her own business, Michael Jordan makes more money from his own business ventures (e.g. Nike ownership) than in his career).In this episode of The Australian Finance Podcast, Kate & Owen discuss understanding the wealth quadrant (working for income, owning someone else’s business, owning your own business), Owen’s business journey, plus Owen’s five tips for listeners considering starting a business.🎧 Tune into the [Australian Business Podcast](https://www.raskmedia.com.au/podcasts/australian-business-podcast/) now on [Spotify](https://open.spotify.com/show/3044vSU0er64EdV1e4Pzrc) and [Apple Podcasts](https://podcasts.apple.com/au/podcast/australian-business-podcast/id1551250845)👩🏽💻 Take Owen’s free [Business Starter course](https://education.rask.com.au/courses/free-business-course/) on Rask Education today➜ Dig in deeper with the show notes: https://www.raskmedia.com.au/podcasts/australian-finance-podcast/➜ Money & investing courses: https://education.rask.com.au➜ Join our kickass newsletter: https://www.rask.com.au/free-sign-up/➜ Hang with us on IG: https://www.instagram.com/raskaustralia➜ Twitter for cool kids: https://twitter.com/RaskAustralia➜ Tiktok for laughs: https://www.tiktok.com/@raskinvestIf you want to thank us for putting this show together, please give The Australian Finance Podcast a 5 star review on Apple Podcasts – it’s a 5 second task which really helps support the show (and puts a big smile on our faces).*Full individual disclosures for each guest are available via the show notes page. Owen, Kate and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc.*DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser.Access The Rask Group’s Financial Services Guide (FSG): https://www.rask.com.au/fsgDate recorded: 12th of September 2022
![Negotiating Seller Financing And Getting The Deal! | How To Negotiate Subject To Real Estate [Video]](https://video.getpvd.com/wp-content/uploads/2022/09/mp_148789_0_0jpg.jpg)
Negotiating Seller Financing And Getting The Deal! | How To Negotiate Subject To Real EstatePlease click the LIKE and the Subscriber Button. Thanks for watching. Don’t forget to download my FREE Seller Financing Real Estate Investing Book @ http://www.MyRealEstateDOJO.com 🚀 NEW – Seller Financing Course (SubTo Contract, Scripts, Live Calls, Role-play, Free Leads, Flyers, Pulling Foreclosure Free, FaceBook Marketing, SubTo Negotiation, Paperwork/Guides and more..) Your Complete Guide To Buying Real Estate Without Borrowing From a Bank, Without Using Your Credit, and Without Needing Piles of Cash. 24 PROVEN COURSES $200 http://Launchpad.MyRealEstateDojo.com👍 BICYCLE FLIPPING – The Best Six-Figures Side Hustle. Make Money Now…While Learning the Real Estate Investing business. Here’s a behind-the-scenes video of how I do it. http://TheNewFlip.com 💵 My In-depth Virtual Assistant Course: http://VA.MyRealEstateDojo.com 🎓 Join The Weekly Mentorship http://Academy.MrNoFluFF.com 🛑 Need Automation Funnels? (Landing Page + Email Sale & Follow-up Series) http://funnel.sorayaivette.com/📞 Recommended Text/SMS Marketing Text Magic: https://www.textmagic.com/?fpr=smsmarketing📧 Recommended Email Marketing Software Active Campaign https://www.activecampaign.com/?_r=K5ULDV87 Aweber: https://www.aweber.com/easy-email.htm?id=515478 💥 Need a website DOMAIN NAME? NameCheap: https://shrsl.com/35fly NFT Domains Get $10 Credit: https://unstoppabledomains.com/?ref=ef20dada2a7f45b🖥 Need website HOSTING? Recommended hosting platforms: Bluehost: https://www.bluehost.com/track/sivette Hostinger: https://www.hostg.xyz/SH94K 👍 Need a WEBSITE? http://funnel.sorayaivette.com/📧 Professional Business Email Google Workspace: https://referworkspace.app.goo.gl/kKxH 💰Need a CRYPTO HARDWARE WALLET? Ledger: https://shop.ledger.com/?r=16ab5abc65b3 💰BITCOIN: Sign up Coinbase & get $10 free Bitcoin Coinbase: https://www.coinbase.com/join/59018a5ea271ba02386f6408 👬 Join the Real Estate Discussion forum ▶︎ http://Community.MrNoFluff.com {This post contains affiliate links. If you use these links to buy something we may earn a commission. Thanks.”}DISCLAIMER: This is NOT Financial advice, Legal Advice, Accounting Advice. Everything expressed here is my opinion. I am not responsible for any investment decisions that you choose to make, please do your own research before risking your own money. Read more: https://www.myrealestatedojo.com/pages/earnings-disclaimer#NegotiatingSellerFinancing #SubjectoRealEstate #RealEstateInvesting
![The Real Estate Market Is Changing: Demand For New Homes Is Cooling Off [Video]](https://video.getpvd.com/wp-content/uploads/2022/09/mp_148068_0_0jpg.jpg)
Real estate expert Cliff Freeman discusses how the market is cooling off and what that means for buyers, sellers, and developers. He also offer tips on what to do if you’re thinking of buying or selling a home in the current real estate housing market.#realestate #realestatebusiness #investing #exp #realestateagent #realestateinvesting #realestatetips Need help implementing all this? Request a Free Strategy Call:https://careers.theclifffreemangroup.com/strategy-call/Are you confused and don’t know where to start? Come to my 3-hour business planning workshop:https://careers.theclifffreemangroup.com/Want A High Performance Real Estate Career? Click Here to Apply:https://careers.theclifffreemangroup.com/join-our-team/Cliff comes to eXp Realty with 30+ years of real estate and mortgage experience including 10 years as a professional coach. He has personally coached over 500 top real estate professionals across North America and his portfolio of clients range from sole practitioners to large teams generating over $150,000,000 in annual sales. As the producing owner/broker of a boutique firm in DFW, he pioneered the virtual brokerage model several years ago.A highly sought-after leader in his field, Cliff’s main areas of focus and expertise include self-leadership mastery, business and strategic planning, people intelligence, team dynamics, best-of-breed lead generation systems, lead conversion, PPC, marketing, operations and finance. He is also a “trainer of trainers” and published author.Cliff FreemanThe Cliff Freeman Group | eXp Realty130 N Preston Rd. Suite 102 Prosper, TX 75078(469) 804-0000Cliff@CliffordFreeman.comwww.dfwsearch.house
![The Fed Is Raising Rates: What It Means For You. [Video]](https://video.getpvd.com/wp-content/uploads/2022/09/mp_147866_0_0jpg.jpg)
What does the Fed’s decision to raise interest rates mean for you? Will it affect your mortgage and the real estate housing market? #realestate #realestatebusiness #investing #exp #realestateagent #realestateinvesting #realestatetips Need help implementing all this? Request a Free Strategy Call:https://careers.theclifffreemangroup.com/strategy-call/Are you confused and don’t know where to start? Come to my 3-hour business planning workshop:https://careers.theclifffreemangroup.com/Want A High Performance Real Estate Career? Click Here to Apply:https://careers.theclifffreemangroup.com/join-our-team/Cliff comes to eXp Realty with 30+ years of real estate and mortgage experience including 10 years as a professional coach. He has personally coached over 500 top real estate professionals across North America and his portfolio of clients range from sole practitioners to large teams generating over $150,000,000 in annual sales. As the producing owner/broker of a boutique firm in DFW, he pioneered the virtual brokerage model several years ago.A highly sought-after leader in his field, Cliff’s main areas of focus and expertise include self-leadership mastery, business and strategic planning, people intelligence, team dynamics, best-of-breed lead generation systems, lead conversion, PPC, marketing, operations and finance. He is also a “trainer of trainers” and published author.Cliff FreemanThe Cliff Freeman Group | eXp Realty130 N Preston Rd. Suite 102 Prosper, TX 75078(469) 804-0000Cliff@CliffordFreeman.comwww.dfwsearch.house
![The Real Estate Market Is Heating Up: Here’s What You Need To Know [Video]](https://video.getpvd.com/wp-content/uploads/2022/09/mp_147808_0_0jpg.jpg)
Real estate is a volatile market, and it can be difficult to keep up with the latest trends. In this episode we discuss the current state of the real estate market and what you can expect in the coming months. We also provide some tips on how to navigate the market whether you’re a buyer or seller.#realestate #realestatebusiness #investing #exp #realestateagent #realestateinvesting #realestatetips Need help implementing all this? Request a Free Strategy Call:https://careers.theclifffreemangroup.com/strategy-call/Are you confused and don’t know where to start? Come to my 3-hour business planning workshop:https://careers.theclifffreemangroup.com/Want A High Performance Real Estate Career? Click Here to Apply:https://careers.theclifffreemangroup.com/join-our-team/Cliff comes to eXp Realty with 30+ years of real estate and mortgage experience including 10 years as a professional coach. He has personally coached over 500 top real estate professionals across North America and his portfolio of clients range from sole practitioners to large teams generating over $150,000,000 in annual sales. As the producing owner/broker of a boutique firm in DFW, he pioneered the virtual brokerage model several years ago.A highly sought-after leader in his field, Cliff’s main areas of focus and expertise include self-leadership mastery, business and strategic planning, people intelligence, team dynamics, best-of-breed lead generation systems, lead conversion, PPC, marketing, operations and finance. He is also a “trainer of trainers” and published author.Cliff FreemanThe Cliff Freeman Group | eXp Realty130 N Preston Rd. Suite 102 Prosper, TX 75078(469) 804-0000Cliff@CliffordFreeman.comwww.dfwsearch.house
![The Real Estate Market Is Hot Right Now: Demand Exceeding Supply? [Video]](https://video.getpvd.com/wp-content/uploads/2022/09/mp_147802_0_0jpg.jpg)
Is the real estate market hot right now? Some say that demand is exceeding supply while others believe that there is more than enough inventory to go around. In this episode, we take a look at both sides of the argument and try to come to a conclusion.#realestate #realestatebusiness #investing #exp #realestateagent #realestateinvesting #realestatetips Need help implementing all this? Request a Free Strategy Call:https://careers.theclifffreemangroup.com/strategy-call/Are you confused and don’t know where to start? Come to my 3-hour business planning workshop:https://careers.theclifffreemangroup.com/Want A High Performance Real Estate Career? Click Here to Apply:https://careers.theclifffreemangroup.com/join-our-team/Cliff comes to eXp Realty with 30+ years of real estate and mortgage experience including 10 years as a professional coach. He has personally coached over 500 top real estate professionals across North America and his portfolio of clients range from sole practitioners to large teams generating over $150,000,000 in annual sales. As the producing owner/broker of a boutique firm in DFW, he pioneered the virtual brokerage model several years ago.A highly sought-after leader in his field, Cliff’s main areas of focus and expertise include self-leadership mastery, business and strategic planning, people intelligence, team dynamics, best-of-breed lead generation systems, lead conversion, PPC, marketing, operations and finance. He is also a “trainer of trainers” and published author.Cliff FreemanThe Cliff Freeman Group | eXp Realty130 N Preston Rd. Suite 102 Prosper, TX 75078(469) 804-0000Cliff@CliffordFreeman.comwww.dfwsearch.house
![Home Listings on the Rise: What’s Driving The Increase? [Video]](https://video.getpvd.com/wp-content/uploads/2022/09/mp_147607_0_0jpg.jpg)
Housing inventory is on the rise, but what’s driving the increase? In this video, we explore some of the potential reasons behind the recent uptick in home listings.#realestate #realestatebusiness #investing #exp #realestateagent #realestateinvesting #realestatetips Need help implementing all this? Request a Free Strategy Call:https://careers.theclifffreemangroup.com/strategy-call/Are you confused and don’t know where to start? Come to my 3-hour business planning workshop:https://careers.theclifffreemangroup.com/Want A High Performance Real Estate Career? Click Here to Apply:https://careers.theclifffreemangroup.com/join-our-team/Cliff comes to eXp Realty with 30+ years of real estate and mortgage experience including 10 years as a professional coach. He has personally coached over 500 top real estate professionals across North America and his portfolio of clients range from sole practitioners to large teams generating over $150,000,000 in annual sales. As the producing owner/broker of a boutique firm in DFW, he pioneered the virtual brokerage model several years ago.A highly sought-after leader in his field, Cliff’s main areas of focus and expertise include self-leadership mastery, business and strategic planning, people intelligence, team dynamics, best-of-breed lead generation systems, lead conversion, PPC, marketing, operations and finance. He is also a “trainer of trainers” and published author.Cliff FreemanThe Cliff Freeman Group | eXp Realty130 N Preston Rd. Suite 102 Prosper, TX 75078(469) 804-0000Cliff@CliffordFreeman.comwww.dfwsearch.house
![Is Now A Good Time To Buy A House? Current Real Estate Market Status In 2022 [Video]](https://video.getpvd.com/wp-content/uploads/2022/09/mp_147561_0_0jpg.jpg)
Thinking about purchasing a home, this episode is for you. Here we go over the current real estate market status and what you can expect in terms of prices, demand, and market conditions in 2022. If you’re considering buying a house, it’s important to understand the current state of the real estate market. #realestate #realestatebusiness #investing #exp #realestateagent #realestateinvesting #realestatetips Need help implementing all this? Request a Free Strategy Call:https://careers.theclifffreemangroup.com/strategy-call/Are you confused and don’t know where to start? Come to my 3-hour business planning workshop:https://careers.theclifffreemangroup.com/Want A High Performance Real Estate Career? Click Here to Apply:https://careers.theclifffreemangroup.com/join-our-team/Cliff comes to eXp Realty with 30+ years of real estate and mortgage experience including 10 years as a professional coach. He has personally coached over 500 top real estate professionals across North America and his portfolio of clients range from sole practitioners to large teams generating over $150,000,000 in annual sales. As the producing owner/broker of a boutique firm in DFW, he pioneered the virtual brokerage model several years ago.A highly sought-after leader in his field, Cliff’s main areas of focus and expertise include self-leadership mastery, business and strategic planning, people intelligence, team dynamics, best-of-breed lead generation systems, lead conversion, PPC, marketing, operations and finance. He is also a “trainer of trainers” and published author.Cliff FreemanThe Cliff Freeman Group | eXp Realty130 N Preston Rd. Suite 102 Prosper, TX 75078(469) 804-0000Cliff@CliffordFreeman.comwww.dfwsearch.house
![Stock Market Crash – U.S. Economic Collapse Update #shorts [Video]](https://video.getpvd.com/wp-content/uploads/2022/08/mp_144902_0_0jpg.jpg)
Stock Market Crash – The U.S. Economic Collapse Update #shorts Please click the LIKE and the Subscriber Button. Thanks for watching. Don’t forget to download my FREE Seller Financing Real Estate Investing Book @ http://www.MyRealEstateDOJO.com 🚀 NEW – Seller Financing Course (SubTo Contract, Scripts, Live Calls, Role-play, Free Leads, Flyers, Pulling Foreclosure Free, FaceBook Marketing, SubTo Negotiation, Paperwork/Guides and more..) Your Complete Guide To Buying Real Estate Without Borrowing From a Bank, Without Using Your Credit, and Without Needing Piles of Cash. 24 PROVEN COURSES $200 http://Launchpad.MyRealEstateDojo.com👍 BICYCLE FLIPPING – The Best Six-Figures Side Hustle. Make Money Now…While Learning the Real Estate Investing business. Here’s a behind-the-scenes video of how I do it. http://TheNewFlip.com 💵 My In-depth Virtual Assistant Course: http://VA.MyRealEstateDojo.com 🎓 Join The Weekly Mentorship http://Academy.MrNoFluFF.com 🛑 Need Automation Funnels? (Landing Page + Email Sale & Follow-up Series) http://funnel.sorayaivette.com/📞 Recommended Text/SMS Marketing Text Magic: https://www.textmagic.com/?fpr=smsmarketing📧 Recommended Email Marketing Software Active Campaign https://www.activecampaign.com/?_r=K5ULDV87 Aweber: https://www.aweber.com/easy-email.htm?id=515478 💥 Need a website DOMAIN NAME? NameCheap: https://shrsl.com/35fly NFT Domains Get $10 Credit: https://unstoppabledomains.com/?ref=ef20dada2a7f45b🖥 Need website HOSTING? Recommended hosting platforms: Bluehost: https://www.bluehost.com/track/sivette Hostinger: https://www.hostg.xyz/SH94K 👍 Need a WEBSITE? http://funnel.sorayaivette.com/📧 Professional Business Email Google Workspace: https://referworkspace.app.goo.gl/kKxH 💰Need a CRYPTO HARDWARE WALLET? Ledger: https://shop.ledger.com/?r=16ab5abc65b3 💰BITCOIN: Sign up Coinbase & get $10 free Bitcoin Coinbase: https://www.coinbase.com/join/59018a5ea271ba02386f6408 👬 Join the Real Estate Discussion forum ▶︎ http://Community.MrNoFluff.com {This post contains affiliate links. If you use these links to buy something we may earn a commission. Thanks.”}DISCLAIMER: This is NOT Financial advice, Legal Advice, Accounting Advice. Everything expressed here is my opinion. I am not responsible for any investment decisions that you choose to make, please do your own research before risking your own money. Read more: https://www.myrealestatedojo.com/pages/earnings-disclaimer
![How To Start A Business With Little Capital – (personal finance) [Video]](https://video.getpvd.com/wp-content/uploads/2022/08/mp_143457_0_0jpg.jpg)
How To Start A Business With Little Capital – (personal finance)