Thursday, 18 February 2021


This year 2021, i would like to challenge you my readers to start your year with a reading culture. There is a popular saying that a reader is a leader. Also, a wise man used to say that if you want to hide anything from a black man, hide it in the book simply because an average black man does not like to read. 

I want to encourage you to starting reading books on how to improve your personal development. You need to take deliberate action by buying and reading books on leadership, business, finance, love relationship, marriage, health and wealth, investment etc. All these books i sited will help to shape your life gradually, financially, emotionally, spiritually and physically.

There is a popular saying that "doing the same thing every time and expecting different result is simply means insanity".

I want you to change your mindset towards the way you live your life last year and take a step further by taking some decisions on how your life will move forward this year. 

Listen to me, nobody will change your life or improve your life for you except you. It is your responsibility to shape your life and to determine the kind of life you want to live. If you decide today that you want to be rich it is a matter of self choice, if you also decide that you want to remain poor just as last year, is all choice to make.

All i know is that nothing will change except you change your mindset towards life.

Dear friend, dare to dream big this year. I need you to put on the garment of reading culture by reading motivational books, self development books, investment books, listening to cds, attending business training, seminars, conferences and so on.

I bet you within the next 6 months you will see a tremendous transformation in your life. I assure you that your thinking mentality about life will definitely change.

As i close, always remember that whatever you are doing if is not making money then it does not make sense because common sense is not common.

Till i come your way again, this is Jossyking saying remain financially intelligent.

Wednesday, 17 February 2021


The Issue surrounding the ban of cryptocurrency activities by CBN in Nigeria


Welcome to a new Legislative Day in the Senate of the Federal Republic of Nigeria! 

Senate President, Dr. Ahmad Lawan, CON, Ph.D, led the Principal Officers into the Chambers, took the official prayers and began the day's proceedings at 10:43am.

Senator Isah Jibrin moved for the adoption of Votes and Proceedings for Wednesday, 10th February, 2021. 
The motion was seconded by Senator Nora Dadu'ut

Senator Sirajudeen Ajibola cited Order 43 to inform the Senate on the demise of former Senator Adebayo Salami who represented Osun Central Senatorial District. 

Senate resolved to:
Observe one minute silence in honour of the late Senator. 

1. Compulsory Free Universal Education Act CAP C52 LFN 2004 (Amendment) Bill, 2021 (SB. 44) by Senator Aliyu Wamakko
Compulsory Free Universal Education Act CAP C52 LFN 2004 (Amendment) Bill, 2021 (SB. 44) was read the First Time.

2. Legal Aid Council Act (Amendment) Bill, 2021 (SB. 560) by Senator Emmanuel Orker-Jev
Legal Aid Council Act (Amendment) Bill, 2021 (SB. 560) was read the First Time.

3. Critical Infrastructure Protection Bill, 2021 (SB. 610) by Senator Sani Musa
Critical Infrastructure Protection Bill, 2021 (SB. 610) was read the First Time.

4. University Teaching Hospitals (Reconstitution of Boards, etc) Act CAP U15 LFN 2004 (Amendment) Bill, 2021 (SB. 617) by Senator Tanko Al-Makura
University Teaching Hospitals (Reconstitution of Boards, etc) Act CAP U15 LFN 2004 (Amendment) Bill, 2021 (SB. 617) was read the First Time.

5. Institute of Information and Communication Technology, Ogoja (Establishment) Bill, 2021 (SB. 621) by Senator Stephen Odey
Institute of Information and Communication Technology, Ogoja (Establishment) Bill, 2021 (SB. 621) was read the First Time.

1. Report of the Committee on Ethics, Privileges and Public Petitions by Senator Ayo Akinyelure

Senator Ayo Akinyelure moved that the Senate do receive the reports of the Committee on Ethics, Privileges and Public Petitions in respect of:

a. Petition from Mr. Kingsly Torru on behalf of Riverman Technologies Limited against the Department of Petroleum Resources (DPR) for non-payment of the sum of N9,375,616,700 for contract Executed; and

b. Petition from Mr. Olaniyan Shehu Muhib and other affected Staff of Digital Bridge Institute (DBI) against the institute for non-implementation of the Directive of the Secretary to the Government of the Federation (SGF) as regards the staff of the institute whose appointment were terminated in March, 2019.

Senator Cleopas Moses seconded.
Reports were laid.

1. Confirmation of the Nomination of Engr. Wakil Bukar for Appointment as Commissioner for Federal Civil Service Commission by Senator Yahaya Abdullahi (Senate Leader)

Senate Leader moved that the Senate do consider the request of Mr. President C-in-C on the Confirmation of the Nomination of Engr. Wakil Bukar for Appointment as Commissioner for Federal Civil Service Commission in accordance with the provision of Section 154(1) of the 1999 Constitution of the Federal Republic of Nigeria as amended.

Minority Leader seconded.

The request of Mr. President C-in-C was referred to the Committee on Establishment and Public Service to report back within two weeks.

2. Confirmation of the Nomination of Mr. Aghughu Arhotomhenia Adolphus for Appointment as Auditor -General for the Federation by Senator Yahaya Abdullahi (Senate Leader)

Senate Leader moved that the Senate do consider the request of Mr. President C-in-C on the confirmation of the Nomination of Mr. Aghughu Arhotomhenia Adolphus for Appointment as Auditor -General for the Federation in accordance to section 86(1) of the 1999 Constitution of the Federal Republic of Nigeria as amended.

Minority Leader seconded.

The request of Mr. President C-in-C was referred to the Committee on Public Accounts to report back in two weeks.


1. Reports of the Committee on Ethics, Privileges and Public Petitions by Senator Ayo Akinyelure

Senator Ayo Akinyelure moved that the Senate do consider the reports of the Committee on Ethics, Privileges and Public Petitions in respect of:

a. Petition from DSC Ibrahim Maigari against the Nigeria Security and Civil Defence Corps (NSCDC) for alleged threat to his life, conspiracy to eliminate him, assault, intimidation, torture and unwarranted long detention;
Senate stood down the recommendations of the Committee pending further legislative action.

b. Petition from Bambo Adesanya, SAN on behalf of Rite Foods Limited against Seven-Up Bottling Company Plc and Ziad Maalouf for allegedly threatening the internal security of the nation and existence of Rite Foods Limited, Ososa, Ogun State;
Senate approved the recommendations of the Committee.

c. Petition by Senators from Akwa-Ibom State against the nomination of Mr. Lamido Yuguda as Director-General of Securities and Exchange Commission (SEC) instead of nominating Mary Uduk who was already serving as Ag. Director-General at the Commission;
Senate approved the recommendation of the Committee as amended.

d. Petition from Osotoye Segun Kayode against the Nigeria Correctional Service for erroneously including his name on the retirement list of Senior Officers of the Service; and
Senate approved the recommendations of the committee. 

e. Petition from Finian Tobias Okoro on behalf of 26 other lecturers of the Nigerian Maritime University, Okerenkoko whose Appointments were allegedly terminated by the University without justifiable cause.
Senate stood down the recommendations of the Committee pending further legislative action.


1. The need to regulate the manufacturing, importation and use of Syringes and Needles to protect the lives and Safety of Nigerians as well as the Economy of the country by Senator Ibrahim Oloriegbe and Senator Sadiq Umar 

Senator Sadiq Umar seconded, said “We should take this motion very seriously and do what we have to do to ensure that we grow our economy.”

“I commend my colleague on such thoughtful motion and also condemn he importation of used and reused syringes and needles. I believe they pose great danger to the lives of our people.”  – Senator Chimaroke Nnamani

Senate resolved to:
a. Direct the Committee on Health (Secondary and Tertiary), Trade and Investment and Customs to conduct Investigation on the state of manufacturing, importation and policy guideline for syringe and needles in Nigeria by inviting the Federal Ministry of Health, National Agency for Food and Drug Administration Control (NAFDAC), Federal Ministry of Trade and Investment, Nigeria Custom Services, Manufacturers of Syringe and needles and any other relevant persons or body; and

b. Directs its Committee on Health (Secondary and Tertiary) to invite the Federal Ministry of Health to provide explanation on the policy for the procurement and utilization of syringes and needles by federal, state and privately owned hospitals and agencies of the Ministry.

2. CBN’s decision to stop Financial Institutions from transacting in Crypto currencies and matters arising therefrom by Senator ID Gyang and Senator Tokunbo Abiru

Senator Tokunbo Abiru seconded, said “The last five years, we have had people changing cryptocurrencies to over 500 million dollars. It is good to ban because of the challenges it has presented; in reality, banning it doesn’t take it away. Even our Security Exchange Commission (SEC) also recognized cryptocurrency as a financial asset they need to regulate. What we should do is to invite the major stakeholders to a public hearing.” 

“I am strongly against the outright ban of this medium of exchange by the Central Bank of Nigeria (CBN). What the CBN should be telling Nigerians are the regulations put in place to regulate the activities of the operators. All over the world, these cryptocurrencies are regulated. The operators of this so called currency are everywhere. I would indulge this Senate to allow the regulators also to be invited so that they can also tell the Committees their own position concerning the operation of cryptocurrency in Nigeria.” – Senator Solomon Adeola

“Cryptocurrency has become a worldwide transaction of which you cannot even identify who owns what. The technology is so strong that I don’t see the kind of regulation that we can do. Bitcoin has made our currency almost useless or valueless. If we have an economy that is very weak and we cannot regulate cryptocurrency in Nigeria, then I don’t know how our economy would be in the next seven years.” – Senator Sani Musa

“We didn’t create Cryptocurrency and so we cannot kill it and cannot also refuse to ensure it works for us. These children are doing great business with it and they are getting result and Nigeria cannot immune itself from this sort of business. What we can do is ensure bad people must not use it. This motion is most important to us. The time has come for us to harmonize all the issues concerning cryptocurrency.” – Senator Biodun Olujimi

Senate resolved to:
Mandate the Committees on Banking, Insurance and other Financial Institutions, ICT and Cybercrimes, and Capital Market to invite the CBN Governor for briefing on the opportunities and threats of the Crypto currency on the nation’s economy and security and to report back findings within two weeks. 

Senate Leader moved that Senate do adjourn plenary till another legislative day. Minority Leader seconded.

Plenary was adjourned till Tuesday, 16th February 2021.


New Media Unit
Office of the President of the Senate
Federal Republic of Nigeria

Tuesday, 5 July 2016


IWelcome back my fellow readers,
Last week we bagan a series on ten places where money is hiding, and five cogent areas were discussed in detail. 

This week, we shall continue from where we stopped. The other areas where money can be found but yet to be discovered by many, are as stated below:


There is a common saying that ideas rule the world. Yesterday’s impossibility is today’s reality and today’s impossibility is tomorrow’s reality. Countless ideas flow through the human mind on a daily basis but only those that are captured and acted upon become products and services.
There are no creators, there are no innovators. All we have are discoveries and downloads from the Creator acted upon for result. When the earth was created, countless things came with it, but until man discovers it, it is non-existent and impossible to man.
How many times have ideas dropped in your mind and you ignored it, only to see them done by someone else later. Nobody has the monopoly of ideas. Anyone who captures and acts on it is credited as the pioneer or inventor. Money hides in ideas and ideas rule the world.
Consider these:
from E-bay to Amazon
from You tube to Facebook
from laptops to I-pads
from I-pads to I-phones
from i-pod to Apple.
Who knows what next the world will experience? Why can’t your name make the list of the “inventors” of tomorrows’ products and services or tech? the Creator has not resign from downloading ideas into the human mind, but you have to realize that money hides in ideas. Take your ideas seriously and start making money from ideas.

Where there is vision there is always pro-vision; but where there is no vision there is no provision.
Pro-vision means “provide for a vision”. What this means is that vision attracts provision because money hides in vision. People don’t give nothing or support nothing, but they do give to something. Get a vision; share the vision and money flows in support of the vision.
A concert promoter has a vision; the artist buys into the vision, a team is formed and 70 million pounds flow towards the vision. Money hides in vision and when you have a worthy idea to pursue or implement, don’t hesitate because money hides there. Instead of begging for money and favors, you will be amazed at how money can flow out when you come up with a vision. It is time to be a visionary.


He that will not work, let him not at because no work no pay. Some people think work is bad, work is not a negative thing, and the reason why people feel uneasy about work is because they are locked up in the rat race of life with golden handcuff, doing a job they don’t like for the kind of money they don’t like. They are sad on Mondays and glad on Fridays.
Now there are different kinds of work; hard-work, smart-work, brain-work, muscle work etc, work should never be a struggle or a job except you are misplaced and just doing what you find to do for survival and not what you love to do or created to do.

You have only one life to live, and it is too short to spend it struggling. Millionaires and billionaires all over the world, sometime work harder and for more hours than the average person but to them it is not a struggle because they are doing what they love and they make loads of money from it.
It is time to start a different kind of work, with different kind of purpose, income and result instead of struggling for survival. You have to work to succeed and you must take it more seriously from now so that money can flow to you.


Your future is in your seed because, buried within every seed is great potentials for surprising outcomes. Opportunity sometimes comes in disguise as problems. Treasure sometimes disguises as trash. Out of a liquid sperm seed comes a solid child.

Every man was once a sperm seed and once a baby boy. Every forest begins with a tree which starts as a seed. No wonder start up capitals for businesses are sometimes referred to as SEED CAPITAL.

What do you have in your hand?
What do you have in your mind?
What do you have in your house?
You want to start a business but don’t have enough, then start offering your services as a seed and volunteer to help others and harvest will flow. The volunteer principle is a seed principle that many have used to release money.


There is always a Creator who created the whole world and all the people in it. And if you are a good student of history, you will realize that He created the world in few days, mankind in few minutes and He did not do any of those with money.
Remember He can also do it now and since He is not limited by the natural limitations and natural supply, He has a supply source that is supernatural, universal, inexhaustible, inexplicable and available to all who know how to connect to it.

Money hides in the Creator and if you connect with Him in a covenant relationship, you can have access to this supernatural supply that can never run dry.
Do you know how the water gets into the coconut?
Do you know how liquid sperms become solid baby?
Do you know what holds Atoms together?
Do you know the pillars that prevent the sky from falling?
Do you know the power that tells the sea where to stop?
As mankind, we are limited and natural but the Creator is unlimited and supernatural. If we connect with Him, He can add His super to our natural and give us access to His supernatural supply. So money flow in the  Creator. 

Get connected to Him and money will flow.

Stay inspired and be motivated.

Tuesday, 28 June 2016

Ten Places Where Money Hides


In my personal research and study of money, I found out this fact that says “Many people look, but few people see”. For years I have heard people complaining of not having money and not being able to find money to do what needs to be done. One will then want to ask this question “WHERE IS MONEY HIDING”?
I have discovered ten places where money is hiding and as we explore them one by one, I want you to be very sensitive and reflective because I have seen many people become financially free just by this discovery.


Today, we have over seven billion people on planet earth and I can tell you clearly that just like the spider is loaded with webs within it, money hides in people and will easily flow from them to you if only you:
Have something to exchange for it or,
Solve problem for them.
Money will always flow in the direction of value. All the people around you have money but cannot give it to you except you have something of value to make them release it.
There are millions hiding in people that can also flow to you if you create value to draw it out.


Money hides in problems, and every problem you see is money in disguise. Instead of complaining about problem, every reader should start thinking solution because seeing a problem and solving it is what draws money out of problems. Look around you, every problem you see, every need you see around is a potential money-spinner for you. One man’s problem is another man’s opportunity.
The food-seller makes money from your hunger-problem.
The cloth-seller makes money from your nakedness/fashion problem.
The doctor makes money from your health problem
The lawyer makes money from your crises-problem.
The landlord makes money from your shelter problem. And so on.

Make a list of problems and needs that exist in your environment, start picking the ones you can solve and money will flow into your account. Can you imagine yourself finding the cure to HIV/AIDS, Cancer etc and remaining poor? Therefore, there are countless problems to solve locally, nationally and globally and there are billions to be made.


There is no single individual on earth that is not gifted or talented in at least one area. The creator ensured that no one was created empty. As human beings, we are stuffed with potentials and they are within to sustain us in the journey of life.


I have seen people with unique gifts and talents but stay in poverty and complain of no money, when all they needed was available within them like the spider and its web. What many people call hobby today is nothing but the creator’s provision for their sustenance.

Can you sing? Can you act? Can you cook? Can you write? Can you make people laugh?
Can you barb? Can you sew? Can you make hair? Can you drive? Can you walk etc?
The list of possibilities is endless and I have seen people make money and become millionaires just by using their gifts, talents and potentials. There is nothing as fulfilling as getting paid for doing what you love, what you are passionate about, and you can do for free.


Opportunities are doorways and ladders to new levels of life, and countless opportunities abound in today’s world to  make money. Many times, what people call success or luck is just opportunity meeting with preparation. It is better to be prepared waiting for opportunity than for opportunity to come and meet you unprepared. Due to ignorance of how to identify opportunities, a lot of people have missed making money.
What does it take to develop yourself or discover contacts to solve people’s problem and meet their needs. In today’s global village and the internet being the village square solution is just a click away.


Think with me for a while. How much have you spent in the last twelve months? What did you spend the money on? The answer is very clear.  You have spent 80% if not 100%paying for products and services. This literarily means that money has flowed out of you to others for products and services. Little wonder why currency is used to describe ‘money’ because, it is like currents that either flows towards you or away from you. Money hides in products and services and those who have products or offer services keep making money at all times, recession or no recession.

You spend money on someone else’s BRAIN CHILD and LABEL. Paying for utilities you enjoy like, phones, cables, electricity internet, etc all these are other people’s brain child. Where is your own product or service you have produced which people can pay you for? Money hides in products and services so, the world is waiting for yours. 

We shall continue this series by next week. 


Tuesday, 31 May 2016


Pitfalls to avoid in business

Hello readers, its a bright new day, another business day as a matter of fact. This week i will like to share with you some avoidable pitfalls you stay away from in business, for your business to succeed. Just as easy as it is for a business to sail, it could also easily sink. 

Infact,  experts say it's easier for a business to fail than for it to float. They say in order to avoid financial problems and money management difficulties, you need mechanisms that will help you control your spending. People sometimes get into trouble because they don't know where there money is going.

According to them, you can list all your income and expenses and find a way to increase your income and reduce your expenses and reduce your expenses. 

Avoid spending for luxury items and other unnecessary things. If you have money set aside for emergencies, it can help you to avoid more debt in the future.

While there are a number of factors that contribute to the development and maintenance of a successful venture, one of the most challenging for first-time business owner is effective financial management.

Whether you are securing investment capital, separating  your personal and business finances, managing cash-flow, or planning for growth, there are a number of common pitfalls that can hinder the success of your business.

Some of the steps that business owners can take to avoid financial mistakes, according to experts include:

Start Paying Yourself First

Develop a process that allows you to save money automatically. You can ave money in a savings account with automatic deductions from your paycheck. Automatic deductions can also be taken out to start an emergency fund. This money can be used for car repairs and minor emergencies. Just about everyone uses debit or credit cards for one thing or another, but when you have an emergency fund it helps reduce your credit card usage.

Get a Budget Worksheet and list all sources of Income

You can get a budget worksheet on the internet,check this link for a typical example: . List your income after taxes have been taken out. Income can come from a variety of sources including wages, interest, rental income or retirement income and pension income. In a standard worksheet, there are eight different income sources you can fill in. The total will be calculated automatically.

Make a List of Fixed Expenses and Enter Into the Budget Worsheet

Fixed expenses are those you incur regularly, such as mortgage payments, rent, interest service, auto insurance, utility bill and garbage collection fees. Some of these expenses remain the same while others vary. For those that vary, enter a monthly average. The budget worksheet will automatically calculate your total fixed expenses.

Compile a list of variable expenses and enter them into the budget worksheet:

Some variable expenses will include credit card payments, clothing, laundry, transportation, lunches, cosmetics and entertainment. Variable expenses will change from month to month.

Review Your Total Monthly Net

At the bottom of your budget worksheet you will see the total monthly net figure. If this figure is positive, it means you earn more than you spend. When this figure is negative, it means you are spending more than you are earning. If it is negative, the total monthly net figure will be displayed in bright red and preceded by a negative sign.

Increase Your Income

Try to find ways to increase your income. You may want to work an extra part-time job or work overtime. If you receive any bonus, incentive, pay-raise, add it into your savings account or pay down credit card debt. Sell unwanted possession, so as to reduce your expenditures. You may also need to  cut down on your entertainment costs. 

Contact Consumer Credit Counseling Services

You can speak with a certified trained counselor who will provide you with tips and techniques to save money, eliminate debt and avoid financial problems in the future.

Avoid Over-Investing

If you are planning to rely on your savings, personal credit cards, or cash reserves to start a new business, then take care to avoid over-investing in unnecessary infrastructure, luxuries etc. Young entrepreneurs often fall into this trap. They rent an expensive office and buy exotic cars. Instead, focus on building a superior product and providing exemplary customer service. Invest in items that will provide value for your customers and generate returns for your business. If you need to outfit an office, purchase discounted goods, rather than expensive new furniture and equipment.

Consider Your Debt-to-Income Ratio

This is especially difficult for young business owners who may have outstanding loans or substantial credit card debt. Your chances of obtaining a business loan at a reasonable rate of interest are significantly diminished by debt, even if your business plan includes enough projected income to pay off your financial obligations in a reasonable amount of time. If possible, focus your efforts on paying off your debt before you go into business.

Separate Personal and Business Finances 

New small-business owners are frequently tempted to cut corners and utilize their personal financial resources to pay for business purchases. But if you hope to build credibility for your business and limit your personal liability, then you must keep your business credit separate from your personal finances. Begin by opening a business current account where you have the ability to cover your tax obligations. When you're ready to start building business credit, set up vendor credit accounts with your suppliers, and make sure to pay your bills on time.    


Tuesday, 24 May 2016


Are you one of those who have been thinking of earning dollars on the online space without working for money but your money is working for you. Trust me this is a dream come through if only you can take few minutes out of your time to go through these steps.
Kindly follow this guide thoroughly to get started in MMM Nigeria fully.

Or type it on your browser. Then Click ‘REGISTRATION’ as shown below.
On the next page, fill in your details as requested.
For:- ‘Invite’ enter: (if it’s not prefilled)
‘Guider email’ enter:
‘Guider‘Guider Phone’ enter: +2348032651164.


Attention! First off all obligatorily read the WARNING!
MMM is not a bank, MMM does not collect your money, MMM is not an online business, HYIP, investment or MLM program. MMM is a community where people help each other. MMM gives you a technical platform which helps millions of participants worldwide to connect those who NEED help to those who are ready to PROVIDE help, for FREE. All transferred funds to another participant are your help  given by your own good will to another one, absolutely gratis. If you are completely confident and certain in your actions and make your mind to participate, we kindly ask you to study carefully all warnings and instructions first. In cases of any matter regarding the topic Our online consultants are ready to help and answer all of your questions.


MMM is a community of people providing each other financial help on the principle of gratuitousness, reciprocity and benevolence.
In MMM you don’t have to make contracts or pledge your property. In MMM there are no lenders and no debtors. Everything is very simple: one participant asks for help — another one helps.
The only thing that MMM demands from its participants is to be honest and kind to each other. You ask for financial help when you need it, you give financial help when you are able to do it.
There is no —Āentral account, where all the System money flows to (and where it can be easily stolen from :-)). All the money is only on the banking accounts of the participants themselves! On a lot of thousand and million private accounts. Participants transfer to each other directly, without intermediaries! (What are they for? :-)) In fact, MMM only regulates the process — nothing more.
So the System completely belongs to people. No kidding! It is a real mutual aid fund where ordinary people help each other.
How does it work technically? You declare the willingness to give help (click in your Personal Office (hereinafter PO) "Provide Help"), after which your account will be rewarded with mavro (internal “currency”/scores of the System). Mavros will start growing from the moment of offering the contribution at the rate of 30% per month. (Calculation of reward occurs twice a week, on Tuesdays and Thursdays at 00:00 GMT.) This sum in Mavro shows how much you can request for yourself.
Say you have announced willingness to assist with $ 100. You will be rewarded in your PO with 100 mavro. And they will immediately start growing! A month later, these 100 will become 130 mavro. Accordingly, you will be able to request assistance for $ 130.
However, it is not necessary at all to wait for a month. Help can be requested at any time. But only after confirmation of your mavro. What does "after confirmation" mean? It means only after you actually transfer money, i.e. really give assistance to another participant. (But not just declare willingness. :-)) Request for providing help comes to you in your personal office. If you do not do it within 48 hours, you will be removed from the system. (For all eternity. :-))
In cases of any matter regarding the topic our online consultants are ready to help and answer all your questions.
Please note that the use of the words 30% a month cannot be considered as a yield or interest rate since the funds were given away, we are not earning anything anywhere (we are a mutual-aid fund), and nobody promises or guarantees to pay it! Read over THE WARNING.


When registering in the system, you get from $20 to $100 as a present.
But not everyone, only those who have contributed their own money as well. (Otherwise the System will be pulled apart. For bonuses. They will keep registering endlessly. :-))

1) $20 — if you have contributed from $50 to $499. Frozen for two weeks. If you take it out earlier — you will lose twenty.
2) $50 — if you have contributed from $500 to $2'999. Frozen for a month.
3) $100 — $3'000 and above. Also frozen for a month.
Once again about “freezing”. Bear in mind that if you take your money out earlier, you'll lose registration bonus. Only the bonus! But the contribution with all the accrued interest will be paid.
Each participant is allowed to have only one account.

Referral bonus


You get 10% from all deposits of the participant you invited. Inviting new members into the Community is your additional contribution to its development. But nobody force the members of the Community to invite new participants.But at the same time, understanding that the MMM network can’t exist without development and participants’ encouragement in the form of referral bonuses motivate many people to take an active position.


Guiders of MMM Community can create their own multi-level structures and get a bonus from each donation of every participant in their structures. This is a multi-level bonus, thus a guider can have his own leader whose rank is higher. Guider’s bonus depends on his level in the Community:
For example, if you are Ronald’s guider, Ronald is Maricel’s guider and Maricel is Joseph’s, you will get 5% from Ronald’s donation, 3% from Maricel’s donation and 1% from Joseph’s. If someone will be under Joseph, you will get from him 0.5% and so on.
Guider’s bonuses are credited in the same way as referral, but only from new money deposited and will be available to withdraw after confirmation of your help provided.


5% of the sum of the help you received, if there will be your face in the video, and 3% — if there won't.
Unfortunately nobody records the video without a bonus, so we have to pay. :-))


There is a serious problem. Many would like to participate in MMM but they, let’s say, don’t have the internet. Or they are just too lazy to understand and deal with all this. With all these assignments and so on. What if it could be like this: you transfer money and then you simply get it with interest. No bothering about anything. :-))
So for this kind of participants who have no internet (or just for the lazy ones :-)), institution of Trustees and Trustors has been created. (Any caprice, as they say! :-))
Any participant of MMM can entrust his/her guider the PO managing, assigning the leader as his/her Trustee. Provide complete access to PO and let him/her get into all these details. The participant just calls and gives assignments: “Take out this sum of money for me!" and so on.
How does it work?
The first option. The guider registers the participant and states that he/she is his Trustee. (If, let’s say, the participant has no internet or does not know anything about computers).
The second option. The participant indicates in PO himself/herself that he/she makes the guider his/her Trustee (and provides him complete access to the PO — he is tired of bothering with all this! :-)). Of course, at any moment the participant can change his mind and refuse of Trustee’s service.
In order to protect from abuses from the Trustee’s, the most important operations (change of account information for cash-out, creation of application for cash-out, confirmation of getting money) — only through confirmation code! I.e. at the Trustee’s attempt to make such operation, a confirmation code will be asked. It is sent by sms to the Trustor. The Trustee gets in touch with the Trustor, explains the details and then the Trustor tells the confirmation code. (If he/she wants. :-)) Only in this way! :-))
Besides, when creating applications and assignments for cash-in the Trustor will also get the corresponding sms. Other than that, in the case of the assignment to send money, the recipient’s account information will be indicated in the sms. (For the guider not to say: “Send it to me!” We know that! :-))
What else? The Trustee can go into PO of the Trustor right from his/her PO and then the same way can come back easily into his/her personal PO. I.e. managing of trustee’s PO is extremely easy.
We can change the world!
If you need help then email me here:
Visit my blog