Business Chapel International

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Your Money and Your Investment (Part 2)

Here’s why I don’t compete with others...

Both are a waste of time and money, both precious resources. Are they really worth leveraging to keep up with the Joneses?

Be who you are and say what you feel because those who mind don’t matter and those who matter don’t mind 🙏

https://www.linkedin.com/posts/oladotun-oladele-08a60910b_an-open-letter-to-business-brokers-doing-activity-6828640372571303936-5Jrt

OLADOTUN OLADELE on LinkedIn: AN OPEN LETTER TO BUSINESS BROKERS Doing business is like holding AN OPEN LETTER TO BUSINESS BROKERS Doing business is like holding a rifle and aiming at a bird, without you moving your rifle, every shot you take you...

https://www.linkedin.com/feed/update/activity:6828640372571303936

OLADOTUN OLADELE on LinkedIn: AN OPEN LETTER TO BUSINESS BROKERS Doing business is like holding AN OPEN LETTER TO BUSINESS BROKERS Doing business is like holding a rifle and aiming at a bird, without you moving your rifle, every shot you take you...

If your company or the company you work for is not ready to grow exponentially, if you are an employee, start looking for a new job because that company will die very soon. If you are the owner of the company, it is time for you to sell that company or close it down and walk away.

Every company deserves a chance to grow but the problem is either the owner or the management not the work force.

Find someone who is doing what you want to do not someone who is talking about it or written a book about it.

The easiest thing is to look for a book or someone talking about it but that is the only recipe for failure and mediocrity.

BUILDING A BOARD

The single most important piece of the puzzle is your board. You are planning to go to war and your board is your gun.

No Board equals no Gun, period. They are the ones who will open the doors of wisdom, experience and advise to you. Use it! One interesting fact is that people stresses over the industry, which is normal, however, have you thought that once you manage how to get a board quickly you can actually enter any industry by getting new boards assembled? Literally any industry!

Also, once you are accepted by them they'll follow you, praise you and give you more than you could ever pay for...

So...get yourself a good board and then, let them show you the way.

Before you buy any self-help book, audio or video tape, or put your butt into a seminar seat, ask yourself "Is this person where I want to be? Has he ‘been there, done that’ in a major league way? Would I want him as my mentor? Do I really respect his business acumen? Does he have world-class credentials? Or did he make his money selling as a seminar guru?"

TO ALL WHO WILL DESIRE TO BECOME A BILLIONAIRE STARTING IN 2020.

I wish to inform you all if you don't know that there are numerous opportunities for you all.

If you desire to become Rich I want to tell you what works. You must harness Other Peoples Money in banks, venture capitalists, equity investors and many more.

You can not want to become a billionaire and save money to become a billionaire. You cannot sell any product or do any of the businesses peddled around and become Rich.

If you do not own a company registered as a limited company with CAC (n25k you can do it on your phone), you need a mentor who will be the chairman of your company, you need a top class auditing firm not your friend who is a chartered accountant , you need attorneys not your family or brother or sister who is a lawyer.

You need a work team of who will work with you, need to look for companies to buy, many companies are up for sale but you don't know. If you continue with your complainer friends, like you going to bed with dogs you will end up with fleas.

Choose who you surround yourself with based on the dream you have in your mind. There is no part time successful person. It is a full time job of you continue in your comfort zone and when you are about to die, you continue to regret all the years of self indulgence in nonentities and you die a poor soul.

After all you don't have a choice of the family you are born into but you have a choice of whether you will live and die poor or otherwise. Make your choice, 2020 is here, if you continue the way you lived 2019 you will live and die poor. No amount of motivational messages or books will ever get you there. They help you procrastinate, all the years of you reading with not a single company or deal or presentation to financial institution, you have been scammed into buying books from book merchants, let them show you the companies they had sold or bought or taking to public offering.

If you are been fooled don't fool yourself lest you become the double fool.

N.B if you have questions, feel free 08037250845

Nothing keeps us from achieving our dreams like education. By the time you graduate from school, your dreams and visions are lost.

Make Sure You Have Enough Working Capital

Everything’s going fine in your business. You’re paying your employees
on time, things are looking good. You’re growing month by month…

…then out of the blue, the economy takes a downturn and your business
is in panic mode.

You can’t cope because you don’t have WORKING capital.

So your business goes bust before you even make sense of what’s going
on and make time to fix it.

You confused some growth success with your business resilience.

That’s the concept I want to go in to today: working capital. It’s one of the
most difficult concepts for business owners to grapple with. Lots of owners
I’ve met just plain don’t understand it.

Your working capital is a measure of your financial strength. You’ve probably
heard it a gazillion times, but it’s true: you need to spend money to make
money.

Many business owners try and run their business without sufficient working
capital.

Here’s the question: how do you even determine how much working capital
you need in a business?

Well, each business is different, but there are a few common denominators.
One being that people seriously UNDERSTIMATE what they think they need.

You have to always make sure you’re prepared for the worst case scenario.

To use some survivalist speak, make sure you have enough ammo, food, and
shelter when the apocalypse happens.

When, not IF. That’s the mindset you need..

It’s the industry you’re in, the part of the lifecycle your business is in and
your growth rate that will determine how much working capital you need.

Try and go with your most pessimistic projections…
As opposed to being realistic…because business owners estimates fall short
most of the time.

So always request more capital than you think you’ll need. And have a PLAN
for what you’re going to do with that money. Put down exactly what you’re
going to do with every dollar.

What exactly will be spend on:

-Inventory
-Marketing
-Overhead
-R&D
- Customer acquiation
- and anything and everything else.

This will demonstrate to your lender that you’ve thought this all through.
That you’re serious, and the lender can be assured that your projections
are serious and reasonable

Here a few sources for short term capital financing to focus on:
-Equity
-Factoring
-Line of credit
-Short term loans

Start by focusing on these.
They’ll usually be all you need to begin.

Guys, cash flow is the name of the came. Measure your working capital. It
has a direct impact on your cash flow.

Make sure you have a line of credit going on for you, unless you want your
business to get stuck in a swamp you can’t drag it out of.

Keep paying attention to the working capital in your business, and let me end
with today’s question for you to ask:

If you paid more attention to the working capital in your business, how would
it look different?

Simple, as usual, but the most impressive structures, buildings, organisms are
all composed of simple materials at their base.

Don’t ever underestimate the simple stuff. Master them.

One of the easiest ways to jumpstart your working capital is to simply buy
an existing business without using your own capital. There’s a whole world
of M&A out there that business owners aren’t taking advantage of.

As you work your way towards success, haters WILL start to show up.⁣
⁣
First they ignore you.⁣
⁣
Then they laugh at you.⁣
⁣
Then they fight you.⁣
⁣
Then… you win.⁣
⁣
So don’t quit on your dreams because of some meaningless haters.⁣
⁣
Pursue your dreams and prove the haters wrong!⁣

Don't let anyone make you feel guilty when you have a desire to make tons of cash, you must understand cash and to make so much of it. You must know the way to the finances or you will die a low life.
⁣
Comment below if you won’t let anybody stop you on your path to success.

The money in the banks are waiting for you to come and get them. Let us go there on Monday

*Change your friends if they do not talk about business, wealth and new opportunities*

As we know, science has already confirmed that people absorb energy from others. Friends improve our life, One should be very wise in friendship selection because it determines your thinking capabilities. Bad friends can make your life miserable but good friends can reshape and improve your life.
Personal relationships are very important. Bill Gates in his blog talks about how Warren Buffett has helped him to define success by the strength of one’s personal relationships. Both have been friends for decades now and Gates gives a lot of his success credit to Warren Buffett’s friendship.
There is research that says, You are the average of the five people you spend the most time with. In the modern age, it’s okay to talk about the lack of money or your bad credit situation but people generally do not talk about their huge bank balances and frankly speaking, why should they?. If someone brags about their new Mercedez Benz car, it sounds as obnoxious as dragging nails on the chalkboard.
70 percent of all millionaires today are first-generation millionaires, they did not inherit their money from their forefathers. Instead, they worked to get to this place and have hard earned their fortune. It takes courage to make money, the courage of risk, the courage of entrepreneurship.
Let’s look at it as a more simplified example. If you surround yourself with friends who talk about cars, you will automatically begin to like cars and would like to replace your old, rusted out car with a new car. If your friends constantly talk about real estate, you will be inclined to take this as a new business for sale/purchase of land and property. Everybody wants to be prosperous. Wealth makes one happy. There is no harm in going into business with a friend.
The reason why you should surround yourself with people, friends circle who talk about business, money is for changing your mindset for better business opportunities. Friends who talk about wealth, money, business are better destined to reshape your future than those who put your down.

*They say, sit with winners, the conversation is different.*

*WHY YOU NEED TO THlNK DIFFERENTLY TO BECOME Financially Free*

*MONEY*
Average people look for ways to spend money. Billionaires look for ways to invest money.

*JOBS*
Average people think a better job will make them wealthy. Billionaires know that a job will never make them wealthy, investment will.

*RISK*
Average people stay away from risks because they might fail. Billionaires know if they don't take risks, they have already failed.

*PROBLEMS*
Average people try to avoid problems. Billionaires see problem as an opportunity to make millions.

*PREPARATION*
Average people prepare for today. Billionaires prepare today for the opportunities of tomorrow.

*TIME*
Average people waste time. Billionaires see time as their most valuable assets.

*FEAR*
Average people are always afraid of losing money. Billionaires know if they don't lose money they cannot be wiser, smarter and stronger.

*THINK RIGHT AND BE A SOLUTION PROVIDER.*

*💪🏻💪🏻💪🏻💪🏻💪🏻💪🏻💃🏻💃🏻💃🏻💃🏻💃🏻*

Why Being a High-Paid Employee Isn’t Worth the Money
Written by Robert Kiyosaki | Tuesday, October 2, 2018
Read time: 3 min

Lessons to learn from founders who sold out to Facebook and regretted it

One of the dreams of most entrepreneurs is to build a company that is worth acquisition. The reason for this is pretty easy to understand, by selling a high-growth company, most founders’ lives are changed financially forever.

Such was the case for the two founders of Instagram, the massively popular photo-sharing app used by…pretty much everyone.

In 2012, Facebook bought Instagram for a healthy $1 billion. At the time, the mobile app had 30 million users, no revenue, and thirteen employees. Today, the app has around 1 billion monthly users and, according to “The Guardian”, will bring in about $6 billion in ad revenue this year, with projections that it will make $20 billion by 2020—a quarter of Facebook’s total revenue.

So it might have come as quite a shock to people this week when both the co-founders of Instagram quit their jobs to “explore our curiosity and creativity again.”

But to me it’s not.

The plight of the high-paid employee
The plus side of acquisition for founders is the immense amount of money they can make. The downside is that they lose control and become high-paid employees rather than entrepreneurs.

The downside for high-paid employees is that, while they have a lot of leeway to make decisions, they eventually and always have to answer to someone else.

Such was the case for Kevin Systrom and Mike Krieger, the founders of Instagram. It was also the case for Jan Koum, the founders of WhatsApp, the messaging app purchased by Facebook in 2014 for $19 billion dollars (yes, you read that right).

Both sets of founders had high ideals for their products, which included not leveraging user data, and they thought they could keep the data-hungry Facebook at bay even after selling. But the reality is they couldn’t.

As “The Guardian” reports:

So the only surprising thing about the experiences of the founders of Instagram and WhatsApp is that anyone should be surprised by what’s happened to them. Facebook is a data vampire; the only thing it does is suck people’s life data in order to paint targets on their backs for the benefit of advertisers. All that sanctimonious guff about “building a global community” is just corporate cant.

And any startup founder hoping to be acquired by Zuckerberg’s empire ought to remember Winston Churchill’s definition of appeasement as “feeding a crocodile in the hope that he will eat you last”. Because he will.
Those are harsh but true words that illustrate something that I’ve said around the Rich Dad community for a long time: no matter how much you make, if you don’t own your company, you’re just a high-paid employee with no control and your job is never safe.

The entrepreneurial spirit at work
While Koum, Systrom, and Krieger, had a rude awakening when it came to the amount of control they would have over the companies they started once they sold them to a company like Facebook, it is commendable that all of them eventually left when there was a conflict with their values.

More than likely, they saw this conflict long ago, but they hoped that from the inside they would be able to make a positive change. This is a frequent belief of many high-paid, high-position employees, but they often realize that they don’t have the power to do what they thought they could.

As I mentioned earlier, it’s not surprising to me when former founders who transition to high-paid employees leave a cushy job. Why? It’s simply not in their DNA.

So when someone like Koum says, “I’m taking some time off to do things I enjoy outside of technology, such as collecting rare air-cooled Porsches, working on my cars and playing ultimate frisbee. And I’ll still be cheering WhatsApp on – just from the outside,” and people like System and Kriger say, “We’re planning on taking some time off to explore our curiosity and creativity again. Building new things requires that we step back, understand what inspires us and match that with what the world needs; that’s what we plan to do,” what they really mean is, “We’re sick and tired of being told what to do.”

And that is the entrepreneurial spirit at work, and I love it.

Hit the road, Jack?
There’s no telling what these successful founders will do in the future, but there’s a good bet they’ll think twice before becoming high-paid employees again, no matter how tempting the offer.

But their stories should be inspirational for anyone, no matter how far up the corporate ladder you are. If anything, you should stop and ask, “Each day, when I come into work, am I contributing to what I want to contribute to and living to the values that I want to live to…or am I just an employee with the illusion of independence who ultimately has to do what I’m told or hit the road?”

The next question you should ask yourself is, “What am I going to do about it?”

H**pWorx BizOp

10 CBD Facts You Need To Know

#1: Key Ingredient

Cannabidiol is a key ingredient in cannabis, one of more than 60 compounds unique to the plant and grouped under the umbrella term “cannabinoids.” Cannabidiol, otherwise known as CBD, and THC are usually the most common cannabinoids in the plant and are therefore the most widely studied.

#2: Won't Get You High

CBD does not get you high like THC does. THC causes euphoria by binding to special CB1 and CB2 nerve receptors in the brain. CBD does not bind to these receptors, so cannabidiol does not get you stoned.

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CBD can be made from medical ma*****na plants or industrial h**p plants. Ma*****na is illegal under federal law but legal in some states. Industrial h**p when grown in other countries can be imported legally into the United States, making it easier for consumers to get CBD treatment without breaking the law.

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#7: Benefits the Mind

CBD also combats psychological issues, including working as an antipsychotic to combat psychosis. Additionally, CBD works to reduce chronic anxiety and depression disorders. These benefits of CBD are also helpful for patients struggling with temporary anxiety and depression resulting from a more serious medical condition.

#8: Combats Cancer Spread

CBD products may reduce the spread of some types of cancer cells. The National Cancer Institute reviews several studies that show cannabidiol may have a protective effect against cancer. This review includes research investigating the benefits of CBD treatment for a variety of cancers, including breast, colorectal, and lung cancers.

#9: Reduce THC Fallout

CBD counteracts the negative effects of THC. According to research published in the British Journal of Psychiatry, CBD seems to prevent THC-induced memory impairment. CBD may also ease paranoia and other negative side effects commonly associated with THC.

#10: Helping Children with Seizures

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I thought I would share this with everyone in the hope that it might help someone else.

I will try to make this short and to the point.

A little background, *in 2009 my husband was diagnosed with stage 8 Prostate cancer*.

Went through radiation 5 days a week for 9 weeks.

Cancer was in remission for 5 yrs.

PSA tests started to elevate and MRI showed the cancer had metastasized to the bone and hip and had gotten to the point where he had to have Chemo (which he did) and the PSA tests went back to less than 0.1. So from there he had a PSA test every 4 months and saw his Oncologist to make sure the cancer was under control.

Then last September the PSA tests started to elevate again but the Oncologist said he would see him the end of December and we would wait to do Chemo again until we absolutely had too.

Typically the PSA test will double every 4 months.

So we went back last December and sure enough the PSA test had doubled.

The Oncologist said we will wait for it to double one more time and then start Chemo and to come back in April, but because the Oncologist was on vacation we went back in May fully prepared to hear that the PSA test had doubled and to start Chemo immediately.

When we got in to see the Oncologist, after a little small talk, he looked at my husbands PSA test results and after a brief silence looked at my husband and said when did you have this test?

My husband said 10 days ago like I was supposed to, Why?

The Oncologist said well that's interesting because your PSA test did not double, in fact it is almost exactly what it was the last time you were here.

Have you done anything different.

My husband said no I haven't done anything.

*I said yes he has, he is taking CBD Oil and has been taking it for 4 months now*.

He looked at me without hesitation and said "bingo".

*There are so many studies and research out there that proves CBD Oil kills cancer cells*.

I am not changing one thing. No Chemo *keep doing exactly what you have been doing* and I will see you back here in 4 months. *And he said, by the way, I take CBD Oil too!! *

Well needless to say we were beyond thrilled and so very thankful that we had found H**pworx CBD Oil and without hesitation made the choice to give it a try knowing we had nothing to lose.

This is just the beginning because we are anxious to see the next PSA test results in 4 months.

I'll Keep you updated.

*If you are interested, he takes 10 drops morning and night of the 750 mg H**pworx CBD Oil*.

It's a *MIRACLE *
for us.

Don't procrastinate, try it!!

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For your order, enquiries Call or chat with me Dotun 08037250845

When you think you can't go on, force yourself to keep going. Your success is based on persistence, not luck

*WISDOM SEED:*
*"There are two types of people who will tell you that you cannot make a difference in this world: those who are afraid to try and those who are afraid you will succeed."-- Ray Goforth.* They are jealous of your career, your relationships, your clothes and so on, they will do their best to be like you, to the point of imitating you. *Rather than getting angry, it is best to help these people find their own persona. This year 2019, do your best to teach them that they should be themselves in order to succeed.* The Bible says *"Surely resentment destroys the fool, and jealousy kills the simple."* Happy Sunday and fruitful year ahead!

The powerful truth is by keeping your mind on your desire, your desire will materialize for you. It may not be easy for you to keep your eye on what you want when what you want is so far from where you are. Never give up.

How many of u can leave ur business 4 a yr without going to work? If u can't,u av a job not a business.

TAKE CONTROL OF YOUR CASH FLOW

People who cannot control their Cash flow work for those who can.

Many people believe that simply making more money will solve their problems. But, in most cases, it only causes bigger ones.

The primary reason most people have money problems is that they were never schooled in the science of cash-flow management. They were taught how to read, write, drive cars, and swim, but not how to manage their cash flow. Without this training, they wind up having money problems and then work harder with the belief that more will solve the problem.

More money will not solve the problem if cash-flow management is the problem.

IT IS TIME TO MIND YOUR OWN BUSINESS IN 2019.

We are programmed to mind everyone else's business and ignore our own.

Have you been working hard and making everyone else rich? Starting early in life, most people are programmed to mind people's businesses and make other people rich. It begins innocently enough with words of advice like these:

"Go to school and get good grades so you can find a safe, secure job with good pay and excellent benefits."

"Work hard so you can buy or build the home of your dreams. After all, your home is an asset and your most important investment."

"Buy now, pay later," or "Low down payment, easy monthly payments," or "Come in and save money,"

People who blindly follow these words of advice often become:

1. Employees, making their bosses and owners rich

2. Debtors making banks, cooperatives and money lenders rich

3. Taxpayers, making the government rich

4. Consumers, making many other businesses rich

Instead of finding their own financial Fast Track, they help everyone else find theirs. Instead of minding their own business, they work all their lives minding everyone else's.

Today I meet people who get frustrated with me because they want me to tell them how they can make more money immediately. They don't like the idea of thinking long-term. Many are desperately seeking short-term answers because they have money problems today caused by consumer debt and lack of investments due to their uncontrolled desire for immediate gratification. They have the idea of, "Eat, drink, and be merry." This abuses the power of compounding and leads to long-term debt instead of long-term wealth.

They want the quick answer. They want me to tell them what to do to acquire great wealth. But they need to understand who they must become first.

In other words, too many people are fixated upon the get-rich-quick philosophy of life. I wish these people luck. They're going to need it.

Many people look for someone to blame for their financial problems. These people often want to blame the rich for their problems rather than admit that their own lack of information about money is a fundamental reason for their struggles.

The idea of "study hard and find a safe, secure job" is an idea born in the Industrial Age. We're not in that age anymore. The times are changing. The problem is that many people's ideas have not changed. They still think they're entitled to something. Many still think that the government, big business, labor union, their mutual funds, or their mutual funds, or their family will take care of them when their working days are over. For their sake, I hope they're right.

ARE STOCKBROKERS INVESTORS?

Many financial advisors in the investment world are, by definition, not really people who generate income from the Investor quadrant.

It is important to know the difference between someone who earns money from commissions, sells advice by the hour, or tries to buy low and sell high compared to someone who earns money from spotting or creating good investments.

There's one way to find out how good your advisors are: Ask them what percentage of their income comes from commissions or fees versus the percentage that comes from passive income from their investments or other businesses they own.

You can easily become limited by your own mind 🧠 when you consistently focus on what isn't going right.

Learn the act of gratitude 🙏🏼 shift your thoughts and purposely see the many blessing around you.

A positive mindset is vital when growing a successful online business. 💸

Henry Ford said "Thinking is the hardest work there is. That is why so few people engage in it." If you will change ur financial paradigm u must do something. You are here in this group, u are expected to do something and the simplest task is share testimonies. This is the starting point of attracting customers, if you have the best product in the world if you don't tell anyone you won't sell and you won't make any money.

In 2019, your fortune is in your hands. You want money but the simplest thing you need to do to attract money is share testimonies and someone will ask about buying but if you don't link that person to the supply how would you make money.

What you are getting here also includes financial literacy. If you want financial freedom, you must take steps towards it. Happy Sunday