Practical guide for creating business plans and cashflow management. DVD is included for formated cashflow formulas: 2 years for business and 1 year for personal. Unique in that the templates include side-by-side monthly comparisons between projected and actual data. Online sites offer only projected data for $298 to $898 per month on a subscription basis vs. our one-time purchase price of $59.95. These guides were developed from my MBA thesis on Cashflow Management and subsequently used for seminars and business consulting. Information is in a 3-ring binder to facilitate usage. This process has been successfully utilized for projects ranging from $10K to $150M. Personal experience includes 30+ years. This product is intended for businesses or people who don't want or can't afford online or professional service.DVDs can be copied to maintian template integrity.