Play Now then Pay Later or Pay Now then Play Later, Which one are you?

Have you ever heard of the phrase or quote  " Play now then pay later or Pay now then play later"? or to be more specific "You can pay now and play later OR you can Play now and pay later. Either way you have to pay" as per John Maxwell

This is a very common quote used in any seminars or conference specially related to financials. But what does it really mean? I can associate a word to this quote that for me leans toward "Paying now so i can play later", whats that word? "Delayed Gratification"

As per our trusted Wikipedia "Delayed Gratification" or deferred gratification is the ability to resist temptation for an immediate reward and wait for a later reward. Its the patience to wait for that greater long term reward rater than the small short term ones. 

In regards to Financial Freedom, wait whats Financial Freedom?

Again as per Wikipedia Financial Freedom is described as the state of having sufficient personal wealth to live without having to work actively for basic necessities or simply put the capability to buy or spend without looking at the price tag and having the financial security knowing there's more where that came from =)  (that's my definition anyways hehe)

Going back, Financial Freedom is the goal or dream of any person and the quote mentioned above directly affects our Financial Freedom. How? Its the choices we make in the process that affect the end goal which is Financial Freedom. Simply put most people would rather "Play it now then Pay it later, for example, buying "stuffs" (gadgets,shoes) taking that vacation, parties and such then Paying for it afterwards with greater Time and effort. While "some"  will "Pay it now, then Play later". these are the people who will save and invest now, instead of buying that new phone or taking that short vacation so that in the long run they can get that house or that dream car.

I have met a lot of people who have chosen to "Pay now" and share these characteristics:

• Live on less than they earn
• Choose to invest and save for their long term goals

Because they are "paying now" they are going to be able to play later while  those who chose to "Play now" and while the fun lasted when its time to "Pay" its not Fun anymore =(

So how do we get to Financial Freedom? The answer lies in Savings and Investment! Now, most people will say that Savings and Investing is nearly impossible for them as their current income is not even enough. So they will put Savings and Investing on the sides for a later future when they get an "extra income" but how and when will that happen? Rather than looking down on our primary source of income, why not check a solution that's in reach but mostly overlooked.

Whats that? Our lifestyle and spending habits is one factor that we can look into and work on. If you look at our lifestyle and spending habits, its not the amount that's an issue but the "Will to save and invest" is our challenge! When a person has the "Will" to do it, then it can be done!

As i read before "Savings is not proportionate to the amount of money you earn but rather the amount of money you save from your income. As we all know, expenses is directly proportional to the amount of income that we have. The higher it is, the higher our expenses as well. In short, if we want to save, let’s take a look at how we spend our money and look for ways to decrease expenses and increase savings"

Lets look at some examples to illustrate and prove that if we have the "Will to save and invest", look at what will happen 

I know most of us drink Starbucks coffee, coming from the BPO industry, the coffee chains have been synonymous to us either for the coffee experience or for some the "status" . Assuming per order is around 200Php and you consume around 5 orders per month or even more. Instead of having this, you can change your spending habits and lets say trim down on the coffee or opt in for a more affordable coffee. Now look at this, most of the BPO employees nowadays earn 10,000 per cut off or roughly 20k in a month (give or take). Now what happens when you spend on that coffee every month that's 1000 as an expense and continue that for 12 months or 1 year that totals to 78,000Php for your coffee,  "Play now then Pay Later". Now you might say, really? who drinks that much coffee anyways! Well 9 years in the industry and Yes, people drink that much coffee (for what ever reasons) were not even taking in account those pastries consumed or lets say drinking or vices. Now i'm not saying Coffee is bad, my point is plain and simple, can you imagine what you can save and earn if you used that money wisely instead.

Now, lets say you take part of that 10k salary and instead of spending it, we chose to invest it, looking at a long term goal "Pay Now and Play Later". Lets say that investment cost 8900 and its earns exponentially every month (by the way, the figures onward are the actual figures you can earn) As any, legal and secured business, its a long term plan and as mentioned its exponential so even though the earnings at the start are at minimal in the 1 year sample it doubles, triples and continue to grow even becoming passive from an active income. That's more than 100% returns and by this time you can drink any Starbucks frap or coffee you want even at multiple times, everyday! 

How about the latest gadgets like phones and cameras? Do you really need that stuff? Is it a necessity or a luxury we try to live by today? Lets say your buying the latest phone every 3 months and it cost around 30,000php (take note that the latest Iphone actually cost around 50k). Thats 120,000php in a year compared if your already earning exponentially! Not to mention that gadgets like all liabilities, there values may go down as time goes by.  

The list of samples can go on, from shoes, clothes, bags, vices even unscheduled travels. On the other hand, what if we play it smarter and think long terms. What if think "Pay now then Play later", delayed Gratification,  this is what all rich people think and do with. What can happen to you  and what can you accomplish 5 or 10 years from now with just 2-3 years of sacrifice and disciple. Will you have that very own house or that fully paid car?

Now nobody said, getting rich and having Financial Freedom will be easy, it requires a lot of hard work and disciple but more importantly it takes "Will"

Can you sacrifice today for a better and brighter tomorrow?

If we only  practice the right money and spending habits, live by the "Pay now and Play Later"/Delayed Gratification principle then truly we can live abundantly for the years to come! 



>> 3 Years ago, Like most employees i was also financially struggling. Over worked, stressed and with no savings under my belt until i found a Money making Machine called GFI. Not only was i able to resigned from my work because of GFI, it gave me an opportunity to have more quality time with my family and secure my kids future as well.

If your interested to know more about GFI, just visit my Facebook page, add me and send me a PM and let me share to you "possibly" the greatest opportunity you'll ever do

https://www.facebook.com/dondy.gonzales

Cheers!!

“Pare, Can I Borrow Money? I Need It for My Son’s Birthday”

I have an acquaintance who has been a hard working employee, achiever and career oriented in a sense. Indeed he was making a lot of money from his work at the call center industry.  

But there is one problem. Whenever he gets paid thousands, he spends them all on things that are on his wishlists. Daily, Weekly and Monthly wishlists.

Recently, Mr. Acquaintance started to lose his edge in his work. For reasons like "nobody is getting any younger" and call center work is a competitive, number driven industry. If Mr. Acquaintance, cannot produce then his job is on the line. There are health reasons as well, internal politics and such. He could not earn as much as what he was earning a year or so ago. The items that are on his monthly wishlists have started to just remain as wishes.

I advised him to learn to save some for an emergency fund and then invest some more in other financial ventures like business for his long-term needs. Even at that point when he has little left on his hand, he said he’s okay and can still pull it off.

“Pare, Can I Borrow Money for My Son’s Birthday?“

One day, Mr. Acquaintance approached me and wanted to borrow money for his son’s upcoming birthday. He wanted to celebrate it in one of the famous fastfood chains for children in the Philippines. 

That will be Php25,000, please?

That being said, I gently declined his request and told him that I just have enough for daily needs. I did not mention anymore about saving and investing.

Here are the problems with Mr. Acquaintance:

1. He did not have any long-term financial goals.

2. He believed that he can rely solely on his work for his family’s living expenses. He did not diversify his money.

3. He did not save money

4. He did not cut his bad spending habits and borrowing. He would even borrow money just to satisfy their wants and lavishness.

5. He continuously refuses to learn how to invest for his and his family’s future through various financial instruments even if the opportunities are already presenting itself.
 

If you were in my position, would you lend him money? What would be your advice to Mr. Acquaintance? You may list them down on the comment section below.

May you all practice smart financial decisions and be fruitful living this 2013!

P.S1 I used to be from the BPO as well, from CSA-Quality-Training to Operations, from one center to another for almost 8 years. Like most, i used to live pay check to pay check with minimal savings and kept "WORKING HARD", refusing to look at financial opportunities until one turning point that made me realized that i dont want to "just" survive then grow old and broke.

Now i choose to "WORK SMART"!

Discover what helped me fixed my finances and provide for my family for the past 2 years and is & will be one of the best made decisions in my life and career!

Be Inspired and Learn more HERE



Credits to burngutierrez.com for the original article

Sunday GFI Lifestyle at Fontana

i and Welcome to the GFI lifestyle!

The Beauty of Fontana Leisure Park.

This is the "Life Balance" that we promote and embrace among other values that make us successful. We are a group of professional and successful individuals from diverse fields, (students, doctors, nurses, teachers, BPO, business woman, housewives etc) living and enjoying our lives to the fullest through GFI. 

GFI is a means to earn big amounts of money even as "part time" through the power of the internet and even at home. It is an amazing tool to generate money, gain quality time (financial & time freedom) while building and making your dreams come true and enjoying life! 

With GFI your success is secure through our partners like Avida Properties of Ayala Land Corporation and Multiply.com!

SO....If you desire to make your life better, If you love your family, If you value your time and yearn to be more, better, happier and wealthier then Contact us today and Let's talk about it (just listen and see how we can HELP YOU build, improve and enjoy Life =)

Thanks & God bless
Dondy Gonzales
GFI Entrepreneur
Former BPO Manager
mobile:             +63916.2513700      
skype: dondy.gonzales

Can you earn BIG money and get RICH in employment?

First of all, before you continue reading this article, let me already advise that this may hit "some nerve" for some people. As they say, "the truth hurts but it will set you free". Now if you are not open to others ideas and creative criticisms then, please don’t read any further but if you are open to others ideas and feel that this is an article meant to help you then, enjoy.

I have been catching on my readings, as well as some bonding moments with my peers and I realized I’m always being bombarded by stories about how hard it is being an employee specifically on the financial aspect. So I made some research online, gathered some experiences and stories and this is what I got.

Honestly, this is a crucial everyday topic already that I am well accompanied to as well, so I used to share the same sentiments and as it looks, not much has changed.

I don't want to say that nobody gets rich in employment, period, since I have read some items that are an exception that does make sense. Here are the exceptions:

1) Employees invest their hard earned money (retirement pay more or less). This is no trivial task since some have taken years to even save in the first place to actually invest it. I know a lot that was only able to invest upon retirement or near that age.

         a) Some would invest in traditional business like water refilling stations (I know a family friend who did this, father retires then invested in the province)
         b) A few will invest in bonds, shares and mutual funds. As much as this is  a enticing and could be lucrative, these are no items for beginners and a lot lose big money from the start due to lack of information and experience.  I suggest you equip yourself first with all the information you can get and an experience mentor/adviser before even attempting this one.
         c) And of course there is the MLM opportunity. Low capital, minimal risk and high returns. Now I will not focus on this for now since I am an active part of the industry and I’m not here to up sell myself.

But in reality while you’re tied in your employee career for the next few decades and have not saved that sum of money, these are what most people are doing.

1) Have you seen and met colleagues selling all sorts of knick knacks and homemade delights? Yes, this is what most are doing part time to make ends meet. Now there is nothing wrong with this, it is an honest source of income and hard work as well. In my Manager career, I was even a loyal buyer from some staff and sometimes a promoter (Christmas cookies or cakes anyone? hers are delicious) so next time, somebody tells you " i don’t like to sell anything" one point of your life you actually sold something from small knick knacks to an idea. Promoting is still selling.

2) Need insurance? Oh yeah, there are a lot of them as well =) insurance is not a bad investment, in fact one of my mentor is worth 20 million in insurance alone. He even said that insurance is a great investment for your money once you have a money generating machine other than your work because if this comes from your pay slip alone, it’s still an expense that could be challenging to maintain.

3) Are you looking for a house or maybe a condo? Honestly, if any of them offered me a place within my choice of locality I could have gotten one then but laguna, taytay and montalban was too far for me back them. Again, another good source but this is more of one time big time for me. No sale no allowance, it’s like selling cars.

4) Pautang (lending money)....too risky for me. Especially in the BPO industry I know a lot of very notorious people and horror stories about this. Again, if your good at harassing people to pay up (just kidding, not always the scenario) then 3%-5% interest are high returns ( Kapit sa patalim people, I know a lot of them. Sadly, some could have avoid this with a little good choices and decisions)

5)  And of course there is the MLM opportunity. Low capital, minimal risk and high returns. 

6) I don’t even want to tackle the shady deals but YES, there are a lot of them. Back then I even know people who would take coupons and make up liquidation reports just to kick some extra. Not recommendable by my standards.

But this has nothing to do with your work directly, what can you do with your work that can give you the chance to earn big? Just one way and that is through “Promotion”

Have you heard of the 80%-20% rule? 80% of the money and compensation only goes to the 20% population. That 20% is such a small percentage to move into especially since that 20% is limited to a number of allocations only. What am I talking about? That 20% is your corporate leaders and managerial positions and trust me they’re not going to give those positions easily because they themselves got it through hook or crook (just an expression)


If i may quote this line from a article from Phil daily inquirer
"It is evident that long years of dedicated service are not the key to making big money out of employment.

This is bad news for employees who have been programmed to believe that as long as they continue to make the businessman rich, they too will get rich when they retire. When successful businessmen retire, they wallow in luxury. When an average Joe retires, he either invests his hard earned retirement money
wrongly, loses medical benefits for sicknesses he contracted as an employee, or simply squanders his big money that he wasn't used to have all his life. Ces't la vie."

Yes, the only option to technically earn big in your work or employee career is be promoted and keep being promoted. Note that I said "technically" not "ethically", you know what I mean.

So what do you need to prepare yourself for the corporate “Rat Race”

Its smart to start in a good company, Why? Promotion requires time and a lot of effort and the last thing you want is to invest those in the wrong company or career path.  Always work with your options, don’t just jump on the first ship that will offer you a ride. Be smart and do your home work about the company and your possible growth path but again this is no easy feat. Everybody has the same idea as you and some may even have the better school and credentials. be ready to fight for that position if you don’t want to be just a average joe at the office.

Your talents and skills. This is your value to the company. The more you have this, the more valuable you are.

Always learn and keep learning. It adds to your value. 

Always have the edge compared to your peers and competition (friendly of course) Always remember, at the end of the day you are still a number to the company and a number away from the next replacement. Number can pertain to stats, deliveries, sales or success rates/projects.

Yes, Attitude is still important. For me at least, when I screen new candidates for positions I take in greater consideration over talent or skill is the person’s attitude and interpersonal skills. Anything can be learned and taught but attitude can make and break everything not to mention you don’t learn this overnight. 

Experience is always the first requirement that all people ask for so be prepared to burn a lot of time to acquire experience. Yes, you can say some get lucky but as a standard, experience is the first thing to check.

Most importantly, be well informed. Office politics anyone? If you’re not aware of your own place politics well, let’s just say it’s an advantage to be in the know. By the way this can make or break you, even if you’re the best in the game, be warned it’s not a fair ball out there.

Hopefully, I didn’t forget anything. Give or take that is what they or you will have to look for if you want to climb that ladder and run that race. As for me, I’ve been there, it was an experience and I would say people can go through the same experience so they can get their own experience and learn the same values because at the end of the day even the big guys in my old companies were always on the lookout for the next opportunity to earn more. I’ll be honest, resources can do a lot in life that’s why admit it or not everybody is looking for chance to earn. There is nothing wrong with money especially if it will make the life of your love ones more comfortable.

As i was always advised, there is no such thing as easy money or easy way. There are always challenges but nobody said that we cant be smarter and handle it better.

The only question I leave you is this, given the chance would you prefer to earn 100,000 thousand after years of hard work when you can earn the same amount in half of that time or even months? Nothing is impossible, there is a lot of ways to earn and some may even know something that’s not included in this article but the point is opportunities are just a waste when you don’t give it a chance.

Rather start young, since you’re going to do business when you’re old anyway.

Why People join the Network Marketing Business?

Statistics say that the primary reasons why people from different walks of life join this business were accounted on one of the motivating factors below:

Extra or Supplementary Income

Financial Freedom

Establish own Business

More spare Time

Helping Others

Early Retirement

Personal Development

Meeting New People

Leave A Legacy

How about you?

Before answering the following Questions, Please spend at least 10 to 15 minutes to ponder:

What is your number one Priority?

Why did you choose it?

Why is it important to you?

What are the consequences of not having that opportunity?

Why would that worry you?

"Leverage Marketing is all about Building RELATIONSHIP; IT'S ALL ABOUT CHANGING LIVES; It's all about Free Life"

"In 1984 20% of new millionaires came from Network Marketing. By 1994 it was 50%. It was Predicted that by 2004 and forward, 70 to 80% of new millionaires will come from the Booming Business NETWORK MARKETING INDUSTRY"  - IRS (U.S.) Statistics

 NOW IT'S ALL HAPPENING....

Work Smarter, Not Harder

Suppose I am to build an artificial fishpond and I need to employ someone to excavate the field measuring one square hectare with a depth of one meter. I will pay you Php250.000 for the job using your own shovel. If you start digging now, you could probably cover the whole area at the end of the year. I am offering you a large sum because it is my obligation to compensate a laborious job.

Meanwhile, your friend learned of the offer and quickly applied for the same job. He plans to rent a digging machine for Php50,000 and projects to finish the job in just a week. Do you think he has also done Php250,000 worth of service? Who worked smart and who worked hard?

What you have just pondered on is an application of the Law of Leverage. The digging machine represents the lever to have the economy of movement and to give a minimum input that can achieve maximum results. Leverage creates speed and simplicity of work or activity performance.

HOW? The answer is LEVERAGE! Start leveraging yourself today!

21 THINKING PATTERNS

1. HAVE A BIG REASON WHY you want to be successful in network marketing that really matters to you. Let it be the driving force that motivates you daily. Let it be the wood for your internal fire.

2. PICK A FEW PERSONAL GOALS that really motivate.  Goals that you can accomplish by having success in network marketing. Write them down. review them often. Make sure they are YOUR goals & not someone else's. Use your REASON WHY to motivate you to accomplish your goals.  Having a big reason why & goals will drive you thru the obstacles you will encounter. Your GOALS literally force you to become the person you need to be in order to accomplish them.  The BIGGER the goals, the more you will have to go thru to accomplish them.

3. HAVE A WORK HARD MENTALITY.  There is a saying that ONLY time success comes before WORK is in the dictionary. The harder you work, the luckier you will get. Make sure it is intelligent hard work. If something is not working, dont keep doing it over and OVER again. Try something different. Not having success- TRY HARDER, TRY SMARTER.

4. HAVE AN ACTION MINDSET.  One of the biggest mistakes new network marketers make is they think they have to know EVERYTHING about their product or opportunity before they can work the business. That mindset creates inactivity. Once you make a decision to work a network marketing opportunity you should focus 90% of your time on action, 10% on learning. This is an ACTION BUSINESS. Learn the basics, use the tools, use the systems, plug into your upline who is having success and then GO GO GO!.  The only way to REALLY learn network marketing is by doing it not reading about it. This is crucial to your success.

5. DON"T JUST TAKE ACTION. TAKE MASSIVE< FOCUSED ACTION. Throw everything you have at it. Make a full commitment & GO. If you are just working network marketing as a hobby or to create part time income you can be casual about the business and that is OK. But if you want to create MASSIVE INCOME, you must take MASSIVE FOCUSED ACTION.

6. ACTIVITY is what create results. Not positive thinking. Do not wait to be positive before you take action. Discipline yourself to take action daily regardless fo how you feel. Do something daily to build your business. Have a daily ACTION plan of the activities that directly lead to acquiring new customers & distributors. Discipline to do it DAILY. Consistent, Persistent effort is MUCH more important to your success than beinga super hot shot.

7. HAVE A LONG TERM PERSPECTIVE. Stay within your budget on any & all marketing expenses.  Plan for the long term. Dont' take yourself out of the game by being a 90- day wonder.  It takes a while to build up your residual income base, but once  it starts coming in there is nothing in the world like it.

8. YOU MUST REALLY LIKE YOUR PRODUCT & OPPORTUNITY. There is no way you can have success in network marketing if you do not believe in & are excited about your opportunity & product. You don't have to have a wild maniac excitement. Just a solid enthusiasm that comes from really believing in it. A good question to ask yourself before joining ANY networking marketing company is " Would I buy this product at the retail price regardless of the opportunity?" A second question to ask is "Would I refer my mother to this product & or opportunity?" These two questions will save you a LOT of grief from picking the wrong opportunity.

9. YOUR BUSINESS WILL BECOME HOW YOU TREAT IT. And how you think about your business will determine how you will treat it.  If you think your business is P7000k a month business, then that is how you will treat it.  If you think it will make you P 100,000 or P1M a month, then that is how you treat it.  Treat your business the way you would like it to BECOME, and it will become that type of business.

10. DO NOT BE AFRAID OF FAILURE. You will most likely NOT have immediate success. You will make mistakes. You will not know all the answers. Realize success is built on failure. You only find out what works, by what doesnt. Through failure comes success. Learn from your failures, pick yourself and ATTACK your goals. Understand fear of failure is REALLY pride.  Success involves being humble enough to allow yourself to go through failure in order to learn.

11.New Distributors have a tendency to think everyone will buy their products or sign up in their opportunity just because they are excited about it. And when people don't, they are greatly disappointed.Operate from reality. The REALITY is MOST people will not join your opportunity or try your product. That is PERFECTLY NORMAL. It even happens to the TOP network marketers. they just don't let it emotionally affect them.  Accept that right from the beginning & you will save yourself a lot of emotional wear & tear.

12. BE TEACHABLE. You are in school. Everyday you will learn something NEW, if you are DOING the business. You have to be doing this business to learn this business. You can not learn network marketing any other way. When things are not working, check upline until you find someone who is being successful.  Listen to what they have to say. They are having success for a reason.  You will be temporarily uncomfortable doing new things as you develop the skills needed to be a TOP NETWORK MARKETER. Go through that process willingly & you will have success much faster.

13. KEEP YOUR PIPELINE ( lots of prospects going through different stages of being introduced to your business ) filled at ALL TIMES. The key is to be always be moving so fast you don't have time to dwell about failure or rejection because you are totally focused on some positive activity that is building your business. When you let your pipeline of prospects or customers run low, you operate from a position of lack. When you have a full pipeline, you operate from a position of abundance. With that comes confidence & when someone is not interested it does not affect you. If you only have one prospect in your pipeline, & they drop out, you are in trouble.

14. Ask yourself, "WHAT ONE THING CAN I DO TODAY TO MASSIVELY BUILD MY NETWORK MARKETING BUSINESS?"  Then do it.

15. The phone is is your BEST FRIEND. Master the phone & make a fortune. Be afraid of the phone & you will never make any significant money in network marketing.  Use the phone to follow up personally with all your leads & customers. Be yourself, be friendly, be enthusiastic, keep a smile on your face when you are talking. 3-way call your hot prospects to your upline.

16. HAVE A PROSPECTING MINDSET. Continually think about unique, creative new ways to acquire customers & distributors. And then do it. Thinking & action need to go hand in hand.

17. NETWORK MAR KETING IS NOT FOR EVERYONE. Don't try to talk people into the business or you will have to talk them into working the business. You can't build someone else's business for them. Your best comes from YOUR success story. Some people do not want to have what it takes to do to build a network marketing business.  Identify this quickly & move on. You are looking for people who WANT to do the business & are willing to do what it takes. Simple as that. YOU ARE A SORTER, NOT A SELLER.

18. START WHERE YOU ARE AT RIGHT NOW. You can't change your financial situation by dwelling on it or complaining about it. The only thing that is going to change your situation is you. Even if you are flat broke, you can become financially successful in network marketing. Just realize it will take you longer. You will have to use creative & sweat equity. But you can do it, if you NEVER QUIT. Opportunity ALWAYS comes disguised as work.

19. BE HONEST & AVOID ALL OPPORTUNITIES BASED ON GREED.

20. Look to GOD for help.

21. AS you have success & become a TOP network marketer, realize that you are not the ONLY person responsible for your success...BE GRATEFUL.

What my life was

I thought long and hard about my first post upon completion of "TheSeekersWill", and it would be best if i start my journey where i was prior to getting the guts and making decisions from a 15hour cubicle life to a real life. So what will do is excerpt both my experiences and what MLM is about from the basics up. 

Its been almost 8 year that i have worked in the BPO industry starting from the basic entry level of CSA climbing the ladder to supervisor, quality, training and then finally to a manager level with even  offers to go higher. It was an accomplishment that i can be proud of being an achiever and dreamer (but sadly it’s just a title at the end of the day) though my dreams never really concerned the BPO back then. I am and will always be a flyer by heart, a licensed pilot and free spirit. Like most colleagues and people who attempted the BPO, i can say that little percentage actually dream t of working there in the first place, like most people, unforeseen circumstances drove us to a decision and the lure of a higher income rather than the traditional "Day job". Think of BPO's as being a watering hole where a huge and diverse animals come and gather for their own reasons (...hmm not really..haha damn animal planet reruns scrap that )

Don't get me wrong, it paid higher and i was happy with the experiences that thought me so much. The work was a good starting ground for most people while building their career. I remember those days, in Peoplesupport (it was'nt Aegis back then and from what i heard it was better back then), HR would hire amass of new graduates from different courses to fill in the seats and demands of the clients. I always asked this people how they got to know, the BPO and like me they would all answer the same thing "a friend endorsed me", "a friend sponsored me in", " i heard..", " a friend shared to me a good earning potential while", it all sounded the same. Even to the point were people are now saying "dude, i heard its better in ", " my friend can sponsor us at ... they pay better". It was learning experience for me being a "fresh blood" may it be bad or good.

Sorry to stop short but i just heard my eldest daughter yell “Daddy! Eat pancake!" But as my last paragraph shows people really thrive in building networks or relationships. We even use that “networks or relationships" to advertise and promote even without knowing that we have been doing it subconsciously all this year. It’s amazing really, looking back and how things connect haha 

So lets connect again later, cheers!