Dilyara: Hello, we are in Kazan, and we came to the embankment to shoot a Lexus RX. And now I will introduce you to Denis. Denis, hello!
Denis: Hi, Dilara! Hello, everyone! I am an entrepreneur with 18 years of work experience, I have my own small furniture production. For 18 years I was working only for myself and did not understand other programs. After 18 years, I realized that my potential is much greater than what I had at that stage, I wanted development, relationships, meetings, some new information and new people.Yes, I already wanted to surround myself with more successful people. I didn’t know what to do.
Dilara: When did you feel like it?
Denis: It was about two years ago. I didn’t know what to do, but my undefeated record told me that something in my life needed to change. By the will of fate, I met two good guys. They invited me to a meeting. And the idea to gather own community was born at this meeting. The community at this stage is called “handicap”.
Dilara: What kind of community?
Denis: This is a community where everybody surrounds themselves with information flow and communication.
Dilara: Who are we? Who’s going there?
Denis: We are the people who are ready to develop like me. Businessmen and investors.
Dilara: Well, Yes, I wanted to say, exactly what people are there?
Denis: Businessmen, investors, maybe some freelancers. There are even cases when people from wage labor come and want to move to a new level of development and they need to surround themselves with people.
Dilara: Okay, so how did you decide to surround yourself with such people?
Denis: Yes. Surrounding myself with people, I met in this club…
Dilara: And not only with random people, but with whom you can learn.
Denis: Yes, with the people you could learn from. I got acquainted with the company “Finiko”. It was Ilgiz Shakirov who introduced me to her. I am very grateful to him for this.
Dilara: This is the same club where it happened?
Denis: Yes, the same club. Through this club, I managed to meet Ilgiz. And the chain of touch has led to the fact that we are driving this wonderful car now.
Dilara: Two years later?
Denis: Two years later, no, about two years.
Dilyara: Well, you met Ilgiz Shakirov. Did he tell you?
Denis: He told me, shared his results, told where he wants to go, where he is going.
Dilara: Where does it go, in the sense of goals?
Denis: Business, Yes. He decided to link his business with the company Finiko, told all the advantages of this company. At the time, I was ready for this conversation and said that I wanted to try it too.
Dilara: How did you prepare?
Denis: At the expense of the thinking, which we get.
Dilara: So you’ve already changed your mindset.
Denis: Of Course, I already had an open mind that was looking for something new in this life. I was already prepared, and I was “breaking bad”. We talked, I bought the first CTI. And after some time, I realized that this company can be trusted. I understood fully the internal details and gradually began to develop the investment theme in parallel with my business. Then there were AT35 products – buying a car for 35%. I was one of the first people to enter this program and gradually-gradually…
Dilara: I mean, this Lexus is exactly what you’re talking about?
Denis: Yes, I’m talking about this car. This Lexus was bought almost one of the first, or one of the first cars that were not on automatic mode.
Dilara: When were the documents made out by hand?
Denis: I think it was in December.
Dilara: Come on, we’re talking about buying a car for 35% of the cost, let’s go through the prices.
Denis: Let’s go through the prices. On average, this car costs 2,700,000 rubles.
Dilara: So you were ready for 2,700,000?
Denis: I wasn’t ready for 2,700,000 at the time, I was ready for 1,400,000. For 1,400,000, I entered the program with a 35% advance, which was 490,000.
Dilara: Did you Deposit 490,000 rubles?
Denis: Yes, I did. Then the company offered to buy a car in three months.
Dilara: Yes. At that time it was 3 months, guys. Many people write comments sometimes under the post we have that: “Why are you talking about 3 months?” It’s just that sometimes we don’t take the car from the saloon, it’s not always possible. And now, after a long time, we rent a car from Denis. But then he bought for 3 months. Now the program already involves 4 months. I’m sorry I interrupted you.
Denis: It’s Okay. And, after 3 months, I realized that I did not have enough for my dream. I extended it for another 1 month, it is about 15%. And a month later there was an amount, about 1,600,000. But again, the dream was not enough.
Dilyara: Have you a dream appeared in the process, it turns out?
Denis: The dream was originally mine, buying this Lexus.
Dilara: He strokes it like that.
Denis: I dreamed of it, I wanted it. After all, the car comes like what? As finance, I can afford a cheaper brand. But the dream was buying a more expensive car. At that moment when the car was in the program. I was expecting payments. I started building a structure and gradually recommended Finiko to my friends and acquaintances. And gradually my structure started working without me. Referral payments, increased cash flow allowed me to reach the time when I had the money – 1,600,000. Allowed me to add another 1,100,000 and…
Dilara: So it is from the money that you earned?
Denis: Yes, the money which earned in the company Finiko. Due to the cash flow, I was able to add this amount, and 2,700,000 became mine. My Lexus and my dream. My dream came true. I’ve only been driving this wonderful car for two or three days now, because there was a pandemic, and I was going on vacation for two weeks. For two weeks I was resting, as it were. And this car was a little burdened by the bank.
Dilara: In general, you had to wait a little for your dream?
Denis: It’s been a bit long. And just yesterday, the day before yesterday, I was able to feel this level of development, my leap.
Dilara: What did you need it for? You say: “me dream is Lexus”.
Denis: This is the energy.
Dilara: Is this energy for you?
Denis: This is energy and this is some kind of border that you need to push off. When a person strives and gets his goal, and it becomes realized. This is a feeling of inner freedom and inner happiness. Let the car is considered a liability, but it is a impetus that is necessary to move on, to have energy, to want to be able to do it, to share your results. The most important thing is.
Dilara: Yes, of course.
Denis: You get a good income, but you drive a cheap car – it’s not comparable. In general, the car is the first place to start, although I don’t advise everyone to start with a car.
Dilara: To the program, you mean?
Denis: Yes, in the program. But I don’t advise everyone to start with a car. In order to understand where to move in the company Finiko you need to make, after all, a financial plan. In order to determine what amount is available, how much money you can afford to invest in a particular program and understand for yourself what you need a car for or why you need a particular purchase that you are making.
Dilara: Now yes, now there are many more programs – more Finiko.PRODUCT and Finiko.LIFE.
Denis: We don’t have a lot of time, honestly. We don’t have time to learn about new programs in more detail, because every month, one program crashes. All programs are great, all programs are popular.
Dilyara: Listen, do you continue to do your business?
Denis: Yes, my business continues to work, as they say: “You need your own cow.” I want to delegate it. I have already communicated with you today…
Dilara: Delegate why?
Denis: Delegate, because I do not do what is important, but it is important what gives more cash flow. You devote more time to what make less money. And here you understand what is important to you in life, and what is not important. In general, the topic of relations and investment approach is closer to me at this stage. And I want to give up business and go completely into this area. I didn’t stop by the car, so I tried to get in.
Dilara: “Car” – the first program was…
Denis: “Car” was the first program, the second program was my ZK35-Close the loan for 35% of the balance.
Dilyara: And you also pay off the loan? Closed it already?
Denis: Paying off the loan. Now my third payment will be made on 10th August.
Dilyara: And what amount did you have a loan?
Denis: I had one for 500,000 rubles. I could have closed it with my income, but I thought it would be more profitable. I decided to try it.
Dilara: We can close the loan for another 35%.
Denis: Why did I do this? Because there are a lot of people around me who are interested in Finicko and its products. And I need to show the result before advising something. This is mandatory. Guys, if you have any doubts, I personally enter all programs myself. I’m taking a risk.
Dilara: From 500,000 – this is the balance, it turns out that you had a debt. And how much you carried 35%.
Denis: If approximately, it’s about 140-150 thousand.
Dilara: And 3 months you have already paid.
Denis: I will have 3 months on 10th August.
Dilara: And what amount is paid monthly?
Denis: About 52,000 rubles.
Dilara: Did you pay before that?
Denis: And if I closed it myself, I would pay 18,300.
Dilara: And how old is it?
Denis: 5 years old. 5 long years, 60 months, I would hang the cargo of payments every month.
Dilara: And now you have it, the loan will be closed within about 10 months.
Denis: Which is very convenient, which I noticed. At that moment when you give 35% of the cost of your loan, you forget all about the loan. Because all obligations are assumed by Finiko. And you don’t have to look for that 18,000 every month when there’s always no money at the right time.
Dilyara: Well, you write about early cancellation?
Denis: Of course, I always attach a receipt for early repayment. It is also, in my opinion, the terms and conditions of the company.
Dilara: In General, you can find out more about all the programs on the website thefiniko.com, or we have other videos on our YouTube channel. In other words, all the information is available on all official channels. Just someone suddenly wondering how it works. We even have a calculator.
Denis: Yes, there is a calculator, which, by the way, is very convenient. You go in, click a few buttons, and the program completely shows you how much money you need to deposit, what tax deductions. There everything is simple and very convenient, you don’t even need to understand it much. I haven’t told you everything yet.…
Dilyara: Oh, you haven’t run out of programs yet?
Denis: No, it’s not over, I still have my mortgage repaid. Just yesterday, I closed a 20-year mortgage.
Dilara: How much did you close your mortgage for?
Denis: At the expense of Finiko, the 20-year mortgage cost the amount of about 3,300,000 rubles. If I paid on my own, I would pay about 9,000,000 with overpayments. And since I was able to improve my cash flow at the expense of Finiko and building structures, I was able to use my own funds to close my mortgage completely at the expense of income. I did not enter this program, but I thought according to the financial plan that it would be more profitable to close it immediately and maybe I will have money left to try several more programs in the near future. For example, a crypto card or a cashback service.
Dilyara: Do you still not use the cashback service? Saving up receipts?
Denis: I Use it, I already collect all the receipts, attach all the receipts to my app, look at the numbers, the numbers are returned, explain to people…
Dilara: It’s really so funny. The store doesn’t respond to you because, “Why are you doing this?”
Denis: There are two income options: 1. Income from profit, 2. Income from reducing expenses. I believe that it also makes sense to do this, and it is also necessary to deal with it.
Dilara: By the way, we also have a new promo related to the cashback service. You can see all the conditions on our official pages.
Denis: Cashback works, I checked on myself. Car program, I checked on myself. The mortgage is closing, I checked on myself. The loan is closing, I checked on myself. Recommend.
Dilara: Have you checked all the programs on myself.
Denis: I checked almost all the programson myself, only Finico.PRODUCT and Finiko.LIFE remained.
Dilara: You have bought a cool car, you closed the mortgage.
Denis: Dilyara, I forgot, I also went to the second program AZ35. Yes, it will be in the month of October.
Dilara: In October, the second car is for your wife?
Denis: I wanted to give my wife a gift and enter he program for the second car.
Dilara: Does your wife know? About video…
Denis: Of course, she knows, she is looking forward to this very much, and thus, motivated very much and even became a partner of Finiko company.
Dilyara: Yes you that! Is she on your team?
Denis: She is in my team, in the first line. We don’t know what car it is yet. But rather, it will also be a Lexus model, Lexus NX, Lexus ES, maybe.
Dilyara: Okay, in October, you’ll call me, I think: “Take it off!” You can show it there. Here you provide your wife with a car already, soon.
Denis: And the apartment was paid off.
Dilara: Another one, I mean?
Denis: Also took in the program, went to buy a second car and buy an apartment for 35%. And I will have payments for my apartment and car in October.
Dilara: So we’re shooting your family in October?
Dilara: Cars. Maybe by this time you can also use PRODUCT and tell us more about PRODUCT?
Denis: Maybe, maybe.
Dilara: I led to the fact that you closed the basic, basic needs.
Denis: I closed and now there is a question….
Dilyara: What do you feel, tell me? And what are your goals next?
Denis: The Feeling of a new level of development in your life, a feeling that cannot be expressed in words, when you have the opportunity to plan, you have the opportunity to distribute and already accelerate at a higher speed. This is such a new level of transition to the big circle. It is very attractive.
Dilara: What about the plans?
Denis: I want to increase its capitalization in the company Finiko. I want to start building my own diversification portfolio at the expense of Finiko and my cash flow. In various other instruments, such as the stock market, bankruptcy auctions, purchases, perhaps, of apartments already at a discount. That is, not only for 35 percent, but also through bankruptcy auctions at a discount, you can buy apartments. Plus, if you attach a cashback service, it will be even less.
Dilara: Well, today we shot a very interesting case with Denis. Denis told not only how he have bought a car for 35%, but also how he closed the mortgage and loan. Get another car, another apartment. He told me about his strategies. Basically, I told you about himself. Thank you very much for the interview. It was very interesting, a very interesting case. And subscribe to our official channels Finiko.ru, thefiniko.com. In the Telegram channel, and be sure to watch our YouTube channel, we will be very pleased. Likes and send it to your friends. Bye-bye!
Denis: Thank you all!