Category of People You Should not Lend Money

 

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Having knowledge of lending money is one of the most critical things in life. It helps you to save that money were to get lost when you had lent to unnecessary people. In life, there is a group of people to whom you need not lend money to them because they won't return. We as a human being, we need to say NO to some people mostly when to is not appropriate if we want to be rich and financially independent for a long time. Below are some people you should not lend money to them.

1. A liar - a liar is someone who never fulfills its promise. They tell you by next week they will return your money but they don't live by their words. Lending money to such people leaves you in shambles; this is because they don't fulfill their promises. You will be uncertain about when they will return your money because of untruthful ways.

2. An unemployed person - an unemployed person who doesn't have income inflow. They don't work but they are there to be fed. Never accept their plea in lending money. This is because there will be high chances of them not returning your money because they don't have an inflow of income. 

3. People who spend money extravagant - never lend money to someone who is not economical. It is easy to identify who is a careless spender. The way someone presents herself or himself you can easily identify if he or she is economical or not. They like to borrow money and spend on luxurious things and not basic things. The reason you should not lend money to them is that they don't value it. If you lend money to such people definitely, you won't get back. 

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Ways to Generate Money Easily

 Do you need some money fast? Many strategies oh how to make money easily are often in the most program but not all of them is true. With enough research in this program, you can get many ways that can help you at least make money either online or offline, not a lot of money, but some cash that will enable you to meet your daily needs. Some of these ways are below:

1. Sell used books - almost everyone has some books they used in primary, high school, college, and university. Selling these books which go in line with today's syllabus is one way of making money.

2. Freelance writing - having skills to write articles and academic writings can easily help you make money easily. You can register in online writing platforms and get more clients who can pay you. 

3. Sell devices that are not useful - companies that buy used devices have gone so much in development. If you have devices that are not in use, just go to any company that can buy them and sells them. You will make money from it.

4. Become a trainer - when you have some skills in a certain industry like writing, you can help others know about it by training them. This will aid you not only in making money but also in gaining skills in that industry.

5. Sell photos - do you know how to take photos? If yes then use that opportunity to generate money. Liaise with the high school board of management and once you get permission to take photos of students, then maximize the chance.

6. Sell products online - social media is the best platform you easily grow your business. You can advertise your products online and make money once your friend buys it the make deliveries at a certain fee depending on the distance.

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Ways To Become More Ambitious In Life

Ambition is something that is developing inside you. It is the aim of achieving a certain goal at a specific time. It is something that pushes you from your comfort zone to an uncomfortable zone to meet that goal. People who succeed in life are goal-oriented because they stand out and get the best out of life every step of the way. Here are ways to become more ambitious in life.

1. Exercise your creative mind - our creative mind is a useful thing, it can help us avoid some uninteresting ideas of every life. It can also be helpful in overcoming negative ideas. At some point, you may face challenges in life, on such occasions, your creative mind can help you conquer them.

2. Be eager to dedicate time - the time is very important in life when using meaningful, it will give the best outcome. The extra time you dedicate to your activity, the faster it develops and give resourceful output.

3. Never be scarring to face a challenge - to turn out to escalate ambitious throughout your life, give yourself a chance to investigate and explore every approaches regardless of many choices one after another without the terror of falling. This will drive you to meet your goal no matter how big the challenge is.

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Ways To Grow Your Business

Growing your business is not something easy. It needs a lot of effort. In the beginning, it means understanding the market forces of demand and supply. It means understanding the tax policies. It involves having to interact with your clients daily. You need to focus on the long-term outcomes and not on the short-term outcomes. Below are the ways to grow your business.

1. Research the competition - when going to the market, and you are looking for clients to buy your items, you need to research the competition. Try to know the pricing policy and the criteria used to gain more clients without going against the rules of the market. Find the mode of trading that has run for the longest and emulate them. These are the best way to grow your business. 

 2. Build a customer loyalty program - building a customer loyalty program will not only help you keep clients but also will help you attract new ones. It will cost you more money to get new clients than it does to sell something to existing clients. Even though to gain new clients is costly, it pays a lot in the long run because they will buy from you.

3. Identify new opportunities - check new opportunities in your business by understanding the demographic of your target clients is critical for the success of your business. Have knowledge of the distribution channels to your competitors and even explained the foreign market and potential manufacturers. 

4. Use social media - social media is a powerful tool to promote your business to potential clients and gain insight through conversations. Through one - to one concession, you can find out what clients are saying about your items that can help you improve them. Social media help you to market your items and attract new clients. 

5. Host events - hosting your own events will be a good way to know your clients and build a strong relationship. Invite your loyal clients and encourage them to invite more of their friends. This helps a lot because you will know what they need and try to improve your business that gives more outcomes. 

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Things You Should Put In Consideration Before Starting A Business

Starting a new business is always stressful and challenging. It needs a good foundation when setting it up. It is this stage that determines whether you will succeed. Below are some considerations you have to put before you start a business.

1. Choose a unique item or services to sell - one of the easiest ways to get more clients is by selling unique items or services. You can open an office, set your own hours of working differently from others. This is a good way to start a business that will reciprocate more returns.

 2. Consult - one thing essential before you start a business is to consult. Get to know more about the market, how it operates, and the risk involved in it. By doing this, you will gain more knowledge and skills that will enable you to compete well in the market.

3. Identify a suitable place to trade - site place is one of the essential things when starting a business. Locate a place where your clients can easily access it. I prefer you to find your business in town and preferably near the road.

5. Be ready to work - no matter how you start a business, though you have to be ready to work. Merely all business operators will tell you it is hard to start and manage a business. You need to step up, work hard, and face challenges and sometimes work more than you did within traditional jobs.

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Principles For Personal And Business Success

 

Starting up a new business is always stressful and challenging but they also mean it to meet your expectations of satisfying your desires and needs. Unfortunately, it doesn't come out the way you expected. The business may farewell but the entrepreneur feels like a failure. The challenge is not to let success come with your satisfaction. To do that, you need to follow your personal principles such as.

1. Define your personal goals early your personal goals will help you make in your business. You will never make in your business life if you don't define your beliefs and your self-interest. Write your goals and take ownership to make them happen and by so doing you will meet your goals.

 2. Focus on your strengths and not your weaknesses - focusing on your strengths in business will motivate you to meet your goals. Your strengths give you strong confidence in achieving your goals despite hardship and challenges. On other hand, focusing on your weaknesses means killing your business because you will give up.

3. Always practice what you say - many entrepreneurs can give excellent advice to their teams about prospecting and sustaining their teams but they cannot prospect. In the long run, they end up failing in their business not because of the team but because of himself.

4. Never stop learning, believing, and growing as a person - living a life of entrepreneurship needs a lot of learning and believing. If you are not learning, then there will be high chances of you falling behind. Through learning, you gain skills on how to handle rejection and opposition. Successfully recovering from rejection will be a key source of satisfaction.

5. Take satisfaction from team success - being an entrepreneur is not a one-person show, so you need to accept it and build your team and that will work with you and support your efforts. If your team succeed through your efforts, then you will succeed. A motivated team is successful.

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Difference Between Rich Mindset and Poor Mindset

Have you ever imagine what makes people unique? Let me explain why they are unique. Temperament, thoughts, behavior, belief, and character figure whether you are unique. All of this originates from the mind. Today I am going to discuss the difference between a rich mindset and a poor mindset but before I begin I just want to clarify that a rich mindset doesn't mean you are rich likewise poor mindset doesn't mean you are poor. There are many people with a rich mindset, financially poor because of circumstances and there are many rich people with a poor mindset.

1. Rich mindset has developed the willingness to invest the little resource it has to speed up things like education and business so they may realize amazing fruits.

A poor mindset sees resources as an opportunity to enjoy and consumes all. It always depends on the job to an extent that they believe it can gain wealth through it. Never be comfortable with your job but invest the money you gained in investment.

2. Rich mindset seeks shared values and mutual respect. It understands that the people they spent with determines their destiny they made meaningful friends that help them meet their goals.

Poor mindset doesn't care who they relate with, whether bad or good, today here tomorrow there. It has no direction in its life.

3. Rich mindset knows that the world is not fair and deals with reality, humbly, and practically. It knows that the world is not theirs and they make nothing with ease that the default for life is suffering and death.

A poor mindset always believes that the world is unfair and they keep complaining about it. They think the world has something for them and they keep on waiting for it.

4. Rich mindset celebrates the success of others. It accepts the challenge and wishes to win in the next competition.

A poor mindset feels envy and bitterness about the success of others. It always wants to own everything.

5. Rich mindset understands that it can never know everything. They believe they can learn something from anyone or from a book.

A poor mindset always brags itself that it knows everything. They oppose the ideas of others even before hearing them.

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6 Rules Of Success

Everybody on Earth wants to be successful in life. They want people to eulogize and applause for the outstanding work they have attained. However, success does not come effortlessly, but it comes with commitment, hard work, and determination. Today I am going to discuss the rules of success:

1. Associate with people who have the same mission as you - the major rule of success is about the people you associate with. Someone said at a time that show me your companion and I will tell you who you are. Walking with people who have the same mindset as you help you achieve your goals. Your friends define your destiny. They either ruin or build your destiny.

2. Wake up with a purpose - waking up very early in the morning is a major rule of success because the human mind is always active. The moment you wake up early with a purpose, with a clear and attainable goal in mind then you are on your way to the top. Having a purpose will help you take any action on how to achieve your goals.

3. Use resources efficiently having the little resources to start a business doesn't mean you are going to fail. Many successful people started their business with little resources and they succeeded. The problem why people many people fail is not because they don't have enough resources but it is being too lazy to use the one they have. With a limited amount of resources, to begin with, you have time and skills I assure you you will be successful so long as you don't give up.

4. Always be kind - in your journey of success, you need to be kind to everyone and should be unswerving. Never ignore the weak and the vulnerable. We only achieve want we want by helping others and helping others does not deprive you of anything.

5. Have focus - your focus determines your future. How you spent the little time you have? What are you doing every day? Change is within you. You need to change yourself if you want to expect excellent results. If what you are doing gives you positive results the focus on that thing but if it gives you negative results, then leave it.

6. Go to bed when you have achieved your goal - this is the greatest rule of success. You need to rest only if you have achieved your goal of that day. If not, then work on it until you achieved it. Resting knowing you have achieved today's task gives peace of mind and will motivate you to achieve tomorrow task.

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Ways To Make Things Occur

 

To achieve your goals needs a lot of efforts. You can't wake up today and achieve what you wanted. You need to come out of your comfort zone and make a plan on how to achieve them. If you are looking at how to achieve your goals and push you ahead, try practicing these features to enhance your likelihood.

1. Select your prime concern - before resting on your bed, you need to decide what you are going to do the next day. Having your prime concern will enable your brain to be ready for what is ahead of you.

2. Perseverance - achieving something in this world is difficult. You need to face your challenges with courage. Try to achieve your goals regardless of any hardship. Perseverance is the key to success.

3. Have your goals and on a piece of paper - writing your goals on a paper helps you to achieve it because it enables you to free your mind and be fruitful. You can start writing your short-term dreams then once you achieve it you can write the long-term goals and by doing this you will be successful.

4. Remain focus on what you are doing - having a focus on what you are doing helps you to achieve it. Being focus helps you gain skills on that task. Losing your focus can delay you from achieving your results.

5. Help others - we achieve what we want by helping others. It doesn't cost you anything by helping others. In fact, you will be successful when helping your clients regarding network marketing.

6. Appreciate yourself for what you have achieved - once you achieve something small, reward yourself with something you like. It could go on a trip. The act of rewarding yourself anytime you achieve something small will motivate you to achieve much in your life.

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Things It Takes to Initiate Change In Your Life

   

Change is inevitable. It needs something that starts it to occur. Human beings often say that they want to adjust their occupation, their houses even their loved ones. But what starts a change in business, relationship, and life? Change only happens once you have decided. Today I want to discuss what starts these changes in life.

1. Understand that change comes from within - you need to believe that change is inevitable. Always keep that vision in your mind to propel you ahead when challenges approach you. If you don't have that vision, chances are you are going to fail in life.

2. Control your emotions - in your journey in life, you will encounter challenges. How you handle those challenges determines the percentage of your success. Keep in mind that it takes time for change to occur in your life. Always be positive when you encounter challenges in your life.

3. Be willing to change - If we want to change then we must put in action. The pain of not changing has to be so acute you have no choice but to take action. Always think the consequences of not changing versus the consequences of changing and if changing outweigh those of not changing then make a change.

4. Get comfortable being uncomfortable - statistics prove that those who are uncomfortable in doing something will be successful in life. We achieve nothing with ease; you need to struggle to get it. An example is that most of the people who wake up at 4am to start their work have a high potential to succeed in life.

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Real Facts in Life That Are Unavoidable

No matter the amount of effort you put to avoid these facts, you're going to face them in your life. It is better to be aware of them before it comes through. Below are these facts:

1. You will never be young again - life has three stages; child, adult, and elder. An elder cannot become an adult likewise an adult cannot become a child. Ensure you enjoy each stage because you won't be there again. 

2. Friendship hardly lasts longer - it doesn't matter the solid foundation you had laid in your friends because one day it will end. Distance is the factor that can ruin your friendship. In short, enjoy the little time you have while you can. 

               

3. The rich will always rule over the poor - the bourgeoisie will always exploit and mistreat the proletariat because they have power and wealth. The rich will hire social media to broadcast their reputation and they will win elections. If someone is richer than you he or she will rule over you. 

4. Many people will follow you because you have what they want - if you are rich, many people want to associate with you because they know that they will get wealth from you. No one wants to associate with the poor because they have nothing to be gain. The fact is that the lower-class want to associate with the middle class and the middle class wants to associate with the upper class. The lower class and the upper class never understand each other. 

5. Things will be bad for you unless you tirelessly work to make them better - in your journey of life, you will encounter more challenges, others will heartbreak you, and others will teach you a lesson. If you don't work on those challenges, I will assure you will give up in life. 

6. Some people will be glad when you fail - those people who see you prospering and shinning in life will laugh at you when failure approaches you. This is because they don't want you to succeed than them. 

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6 Secrets That Will Help You Save More Money

 

Accumulation of wealth basically start from saving your earnings then channel them to investments which will increase at a certain rate depending on the amount of money you invested. The secret that people have not noticed is all about saving money. The rich continue to be rich because they invest much of their money in business and at the end they succeed. Here are 6 Secrets that will help you:

1. Lock your money in saving account - the easiest way to keep your money safe is to lock them in an account that you can't access it. Having an account that you can easily access it encourages much expenditures. Keeping your money in ATM is not an efficient way to save it because you can easily withdraw. 

2. Avoid losing your money - never invest your money in a business that you don't know. It is better to do some research about the authenticity of an investment before you decide to work with because you will lose your money when the business is risky. 

3. Avoid impulse buying - one thing that has kills savings is buying things without a budget. Never spend without a budget because you will be tempted to buy what you had not plan to buy. Budget controls your expenditure and by doing this you will end up saving more money. 

4. Stop addiction- some addictions such as smoking, gambling and too much drinking are co-factors of wasting your money. For you to be wealthy in some years to come, you need to stop this addiction. Always seek guidance and counseling when you find it hard to leave them. 

5. Avoid the urge - human beings have the urge to buy things like clothes and properties in their homes but you need to be careful about this because if you don't control this urge you will end up spending much than your savings. Never allow your emotions over ruined your thoughts if you want to save more. 

6. Start saving when you are young - don't wait to be old in order to start saving. The best age bracket to save is at 20's because your mind is active, you have much time and energy. By the time you reach 40's you are more likely to benefit from what you had saved earlier. 

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If You Abandon This Things Then You Will Be Successful

 

Many people desire to be prosperous, wealthy, and successful in life. It takes time for one to achieve their goals and at some point, you need to undergo hardship to achieve it. Here are the things you need to let them go if you want to succeed.

1. Spending much time in unnecessary kinds of stuff - Success depends on how you use your time. Time is very valuable and once it has passed you can't retrieve it. Always use your time in essential things that will give you value. Never use much of your time in social media if you are not making money from it. 

2. Too much sleep - Excess sleep has killed the future of many people. They waste their time sleeping instead of using it to add value to their life. For one to be successful you need to sleep almost eight hours so that you can be active in the daytime and achieve a lot. Excessive sleep will bring failure in your life.

3. Restlessness - Success is all about progress. It takes time for one to succeed in life and to reach the apex of success you need to be tolerant enough. You have to follow someone's course until successful and never give up even if what you are doing is difficult because once you become impatient then failure comes in.

4. Being parasitic - The act of replying to others so much to an extent of them making decisions for you is a factor of failure. Always rely on yourself and stand firm to your decision and by doing this you will be successful.

5. Not learning - Lack of knowledge kills someone's future. Knowledge is acquired through learning. Learning from successful people is of great help because you will learn from their mistakes and it will help you to avoid the mistakes they made in their life.

6. Comparing yourself with others - Comparing yourself with others is a weapon to kill your success. Everyone wants to live a luxurious life but you don't need to compare yourself with others because you may not know how that guy has obtained that wealth maybe he or she has acquired through theft. 

7. Staying away from God -To make all your dreams happen, you need to rely on God so He can make your plans comes through. 

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Signs That Someone Will Be Successful

Early signs of future success are exciting to see while signs of future failure are distressful to see and to predict someone's future is indispensable. Through research and investigation, I have come with some signs that someone will be successful, and here are they:

1. They motivate themselves

They don't need people to motivate them but they have a strong desire to achieve what they want in life. They set goals and the strategy on how to achieve them without the effort of anybody. They see things from an angle that others can't see.

2. They don't gossip about others

When comes to people, they are always kind and they don't talk negatively about others since they have limited time to focus on their own business. Successful people take the step of addressing someone on their weaknesses instead of gossiping about him/her.

3. They need not follow up

Successful people always do what we expect of them. They don't need their boss to follow them to do their duties since they make their missions to match their actions to their words. They always break the record of what their boss had set them to do. They have a splendid chance to get the highest rank in a company.

4. They have an excellent reputation

They believe in themselves that they can motivate others. They know how to solve problems and bring the union in a separate party and mostly they depend on society. When you see them you find that they are positive and happy and many people want to associate with them. They always give a benefit of the doubt and seek to understand rather than to judge.

5. They have moral character

The behavior of someone at this moment predicts its future. The quality of inquisitiveness, hard work, and determination are the key factors of future successful people. They don't have time to argue with people for wrangles. They are always a good example that society uses it when they are educating their children.

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Risk You Have To Take In Order To Be Wealthy And Successful In Life

Many people aspire to be wealthy and succeed in life but they don't want to take risks, they cannot know that wealth comes after taking risks. Here are some risks you need to take to be successful.

1. Starting over
You can imagine you started your journey from Nakuru to Kisumu and when you arrive Kisumu you found that you were to go to Nairobi and not Kisumu, would you start over or you will give up? The reason people remain in their original state is that their condignity starts over. Starting overcomes with courage, such that you will spend other resources to achieve what you wanted. If you want to be wealthy, you need to take the courage to start over.

2. Moving from comfortable zone to uncomfortable zone
Moving from a comfortable zone to an uncomfortable zone is very unnerving however it leads to the accumulation of wealth. You can make goals and how to achieve it but if you don't work hard, you will never achieve it. The greatest obstacle between you and your goals is nothing other than your comfort zone. Make a move from your comfort zone to uncomfortable and you will see its results.

3. Failure to attempt
Many people fail because they fear attempting. They don't try because they think people will laugh at them if they will not manage it. The reason people never become wealthy is that they have big dreams but they cannot take risks because of fear of failing.

4. Letting go of the wrong relationship
This factor has killed many dreams of people. It doesn't matter how long you were together, if he or she does not bring an impact on your life it is better to let it go. To be fruitful, you need to move with people who have dreams in their life and not the ones who discourage your dreams.

5. Getting used to being uncomfortable
In life, no one needs to be uncomfortable but wealth comes with discomfort. Research shows that putting yourself in undesirable conditions triggers the brain to release dopamine chemicals that will help you see things in different dimensions.

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Reasons Why People Fail in Life

Failure is something every person doesn't want but why people fail in life? Here are some reasons they fail:

1. Procrastination
This is the act of postponing something. It is a significant factor that has killed the dream of people. Their delay brings down their business. Always take the steps at the right time because tomorrow will sort of itself.

2. Negativity about your background
Even if they raised you in a humble background doesn't mean you will fail in life. Having that attitude will automatically fail you in life. Being raised up in poor families will give you more energy to work hard to succeed in life.

3. Wrong company
Having friends who have divided opinion will bring you to a total downfall in life. They are going to discourage you and finally; you are going to fail. An excellent company will motivate and help you achieve your dreams.

4. I Don't have time
Saying I don't have time is the greatest downfall in life. If you look at those who succeed in life, don't mean they had much time it is all about time creation. Create your time in the opportunity that is given out and you will see significant results.

5. No goals to achieve
Having no goal that you are going to achieve it means you want to fail. You are like an octopus who doesn't have direction. Goals give you the motivation to achieve it.

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Factors of Success

Have you ever thought what are the things successful people did in their life that made them prosper? There are some things they avoided and others embrace it. Below are four factors of success.

1. Preparation
Success is a fraction of preparation. If you want to leave a mark of success in life, you need to prepare your mind and work hard to achieve it. Take your time to calculate the fixed costs and variable costs and the expected return before you start a project.

2. Take risk
If you study those who succeed in life, you find that they took the risk because risk and self-belief are the fruit of success. Believing in yourself, taking risks, and embracing failures is the assurance of success.

3. Hard work
Nobody has achieved without hard work. Getting organized, set goals, and plan on how to achieve them is hard work.

4. Have dreams
Before you start anything, ensure you have dreams because without this I will assure you you will fail terribly in your life. The root of success is dreams. Your dreams are a cherished aspiration, ambition, or ideas. Your dreams are something that pushes you to achieve it despite rejection and persecution.

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6 Ways On How To Overcome Poverty

Poverty means the state of being poor

If you think your dad was poor, that you also will be poor, you will die being poor then you are wrong. To become rich is not a simple task but to become poor is as simple as the English alphabet.

The greatest weakness of a man is giving up. They don't know that a point of giving up is the starting point Of their success. Here I found 6 was of overcoming poverty. 

1. Learn

Learn how to become rich and never stop studying. When you are good at learning, then you will be a good learner 
One thing to learn is to fail. When you fail many times never give up because failure is the starting point of success and the checkpoint of success.

2. Don't hustle alone 
Connect with many friends, share ideas, and come up with strategies on how to build a business and manage it well. 

3. Adjust your uncomfortable environment and shape it to your own style. 
If your environment of working is not comfortable, then change it. If you think someone succeeded in a certain environment and you want to succeed in the same environment, fortunately, you will become poor.

4. Invest 
One thing that people don't do is to invest, the difference between poor and rich is nothing else other than investment. Rich invests in large stocks and in some months they get more profit. 

5. Get ready to face problems 
Problems are like barricades placed intentionally on the road to success. For you to overcome challenges you need to face them physically and mentally. At the point, you encounter other problems that can fail you but when you fail you learn from the mistakes you made, and it motivates you to work harder. 

6. Always have faith in your creator
Seeking help from God is essential because He is the one who created you and He knows what you are facing through. When you ask for help definitely, He will come to you. 

Thanks for reading. 
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Making Money Online Using Smartphone

Are you using your internet to make money or the internet is making money from you?!!! Don't be locked out,. Join me I show you how to make money in a comfortable zone and get paid on weekly basis. Training is free and we always conduct it online on the Zoom app three times a week. 

Here are the requirements for you to make money online. 

    

    REQUIREMENTS 

   1. Be teachable.

  2. Be coachable.

  3. Be ready to implement what is
taught.

  4. Be ready to attend training in our Zoom App.

Below are some people I mentored and they are doing well in the business.

FOR MORE INFORMATION WHATSAPP ME VIA 0779564925.