12 billion to the wealth of the Walton family. Watch Walmart stock trade instantly here. Walmart’s stock price is surging following the company announced better-than-expected income results Thursday morning hours. 12 billion in wealth Thursday morning. And an investor in the company decades ago would have made a very nice return on that bet. 99 per share, up almost 10% on your day.

The point is that an active, entrepreneurial method of income production and investing create opportunities for financial success (and fail) not loved (or endured) by the passive approach. Neither is way better or worse than the other – there is no value common sense here. It’s only a statement of reality, these two types of consumers have completely different needs that would benefit from very different financial education services. The energetic approach has a high value-added potential and the passive approach is very limited. Now let’s analyze the different types of financial education services and discover how both of these types of consumers can get the cost effective for his or her money.

• 80 products in Tyler – $2.2M – 11% Cap
• $3,000 committed to a 1-season CD
• Are there likely to be changes to the property’s zoning
• Calculate Accrued Amount (Principal + Interest) A = P(1 + r)t
• Pollen & Bleu (CCR)

All financial education products deliver information, but they can be recognized by their differing degrees of personalization and matching price points. One-on-one financial training – most expensive. Group coaching and mentoring (include seminars, boot camps, teleclasses) – less expensive. Books, Ebooks, Audio, and Video Courses – least expensive. Notice how this list is arranged from highest personalization and price point to the lowest personalization and lowest price. Also notice how the better the personalization, the higher the purchase price point. This is simple economics because personalization reduces business leverage for the vendor.

This forces an increased price to permit an acceptable business revenue. It’s business-good sense. The only exception to this guideline is whenever a marketing expert gets greedy and tries to sell a minimal personalization item at a price. For example, it isn’t uncommon for some guru vendors to record and bundle a weekend seminar into a DVD and sound product. 3,000. That’s a high personalization price for a minimal personalization product.

Good for the marketing expert, but unless this content is so uncommon and valuable that you can justify the price, I generally avoid such offerings. You can find similar education for a far more sensible price usually. Rule 1: Always choose the lowest personalization, lowest price point service, or product that will reach your objective. That’s where the cost effective lies.

For example, if you want to learn a particular “how-to” strategy such as “how to buy real estate using wraps,” and it’s really trained in a publication or downloadable course, then start there. Don’t pay the premium for the personalization of the “coaching and mentoring service” if the information can be delivered equally well and at lower cost by detaching the personalization.