Monthly Archives: April 2016
[Special Feature] Website Introduction to the World Famous Songhai Integrated Farming Centre
I write this at 1.55a.m Sunday 17th April 2016, from Porto-Novo in Benin Republic.
I’m here to gather information about various agribusiness issues based on plans I have, as well as requests I’ve received from several Farm CEO clients back in Nigeria.
One popular landmark here is the headquarters of the world famous Songhai Integrated Farming Centre.
Songhai Integrated Farming Centre
Below are excerpts from home page previews of what they do, with links to learn more:
At its core, Songhai is a development process that is in continuing Evolution, it is a laboratory for Africa and the world, a prime mover for the creation of a better tomorrow.
1. BIO-PRODUCTION
Songhai’s farming methods emphasize protecting the natural resources and the environment.
To do this, we integrate producing agricultural crops, raising livestock and fish, and producing energy. This demonstrates our commitment to helping human beings eat healthier foods and live better lives.
2. BIO-ENERGY
Combining plant and animal by-products to create mulch takes advantage of and enhances the rich environmental capital of Africa. It also can be used to produce an additional desirable by-product: Bio-Energy.
3. BIO-PROCESSING
Healthy people are a valuable resource for Africa. Songhai’s food products have added value because they are made from local organically-grown products and are locally processed using the highest standards in our Songhai facilities.
4. SONGHAÏ LEADERSHIP ACADEMY
The Academy is built on a framework for training future leaders who are equipped to lead the Songhai movement and support the development of Songhai centers throughout the world.
5. BIO-CONSUMPTION
At Songhai, we promote African development by providing a one-stop market and by offering communication, restaurant, and hotel services. This reduces the flight of capital out of Africa, (capital being exported from Africa hinders development).
6. LIBRARY
Songhai’s multimedia library contains materials that describe what we have SEEN and HEARD and LEARNED on our journey of discovery. Read beyond words and believe it for yourself.
Giving Bribes Can Make You Money, But Ultimately Sorry
Do you give bribes – or are you considering giving to some persons(s) who asked?
If yes, I urge you to STOP right now and read this piece to understand why you’re better off NOT getting involved in doing it!
No one can make me give him/her a bribe to get ANYTHING I want – no matter how badly I need whatever that thing may be.
This has been my mental attitude and disposition all my adult life, from paid employment till date.
And it will NEVER change. Ever.
Even if you appeared to me with angelic-wings floating and glowing with a halo above your head, and assured me “God” would approve, I would still not be moved – because I have profited and progressed all my life by adhering with unflinching devotion to the universally applicable non-religious rules set by the Creator.
<H3>Giving bribes is one guaranteed way to run foul of those universal laws set by the creator, and it could lock you into a series of unpleasant consequences, which often – ironically – do not occur immediately.</H3>
I know that nothing good ever comes of breaking those rules.
Indeed, as I’ve hinted above, my experiences and achievements in life prove that the path I’ve chosen (not to ever give bribes) leads to multiple rewards.
Which is why I’m recommending it here.
Among other negatives, giving bribes, especially when it becomes a habit, destroys one’s sense of right and wrong.
It kills the conscience and makes one lose respect for law and order as well as the rights of others.
Simply put, you begin to feel, think and believe you can do – and get away with virtually anything by “buying your way through”.
You become a “monster” of sorts:
Yep.
It takes being a monster to feel, think and act that way.
You do NOT need to look like one: that’s why we have some outwardly good looking people with terrible character.
<H3>The worst part is what giving bribes does to your self-confidence: </H3>
You lose the moral courage to speak with confidence in public to correct bad behaviour by others.
You live in fear that your indiscretions will be exposed.
In essence you lose your voice, and become a prisoner of your “secrets”.
You become prone to blackmail by those who know what you know about yourself.
What a terribly unfulfilling way to live!
That’s why I know I will never stoop so low as to give or accept a bribe of any amount to or from anybody!
Avoid Shortchanging Your Business In Web Marketing (Ideas to Attract High Quality Sales Leads)
What follows below are excerpts from a promised follow-up email I sent to a columnist with a national newspaper in Lagos-Nigeria (after speaking with her on phone) regarding a piece she did on “Email Marketing”.
In it, I suggested possible perspectives she could adopt in informing and educating here readers to make more successful use of the web for their businesses.
==Starts=
Re: Our Phone Conversation About Your Email Marketing Column Piece in The (name removed) Newspaper…
Hi (name removed),
It was great speaking with you earlier today.
Like I told you when I called, I believe VERY MANY business owners in our part of the world are shortchanging themselves in the way they use their online presence.
By this I mean NOT just their websites, but the other web based resources they periodically make use of in a bid to promote the products and services they offer.
Your write-up in The (name removed), in which you shared tips for using an Email Signature told me you possessed insights that indicated you would appreciate the bigger picture of web marketing that I paint for clients I work with.
Before I go on, let me state CLEARLY here, that I am NOT trying to sell anything to you or your readers.
Instead, my purpose for reaching out to you (and others I’ve connected with in the past) is to point out other complementary tools, techniques and strategies that can be used in an integrated self-sustaining manner to generate a continuous stream of quality pre qualified prospects/leads, that one can convert to buyers/sales.
To address your request for details about me, I’ve included links below to some of the generic resources I use in my work…
1. Below is a link to an article on my blog that offers prospects insights into what I mean by a Web Marketing System (WMS):
http://tayosolagbade.com/
sdnuggets/what-you-need-to- achieve-web-marketing-success- 4-tips/ 2. Click the link below to view a 2 page PDF that uses a mind map to provide an overview of who I am, and what I do – with links to related resources including a resume that describes my background from a past life over a decade ago, in paid employment.
http://tayosolagbade.com/
uploads/WhoIsTKS.pdf 3. Here’s a link to a PDF speaker-one-sheet for a talk I’ve recently begun offering, following my observation that so many CEOs still do NOT get it:
http://tayosolagbade.com/
uploads/wms-talks-offer.pdf The contents of the PDF highlight additional ways I advocate more business marketing decision makers THINK, and ACT if they want to reduce their Cost Of Sales/Cost of Customer Acquisition (COCA) – which is a useful way to BOOST PROFITS without needing to raise prices of one’s products/services.
As I noted when we spoke, I’m hoping you’ll find something useful in the materials relating to web marketing that I’ve referred you to, that may help you better articulate other ideas you decide to share with your column’s readers.
The results I get from using this approach, at zero cost, convince me many African business owners are denying themselves TOO MANY zero cost opportunities to make the most profitable use of the Internet access and websites they PAY good money for.
If you have any queries or need clarifications, let me know.
With kindest regards,
Tayo
PS:
a. By the way, I should add that I came up with most of my own ideas/concepts from YEARS of trial and error trying to apply what I learnt from studying some of the top web marketing minds in the world.
What I now call a Web Marketing System is the condensed version of what I found worked for me, as a business owner in Africa’s peculiar market, dealing with Africa’s peculiar buyers (whose web based buying behavour is VERY different from that of counterparts in developed markets/economies.)
To achieve the above, I had to become comfortable with BREAKING the rules and coming up with my own ways of getting the results I wanted. It is, for instance, why my signature is often VERY long (I have several signatures, for different target audiences).
I mention the above because of the tip you gave in your write-up, about the length of an email signature. The one I’ve used here is the generic version that goes out with ALL my website contact forms’ auto response messages.
b. Once again, I must emphasize that there are no strings attached to this offer of mine. I’m NOT trying to sell anything to you. You do NOT even need to mention me. My purpose for reaching out, is to influence MORE information and education being given out to readers from informed columns like yours, so that more African businesses can get better results using PC and Internet technology.
==Ends=
For Accurate & Reliable Feed Formulation Use Nutrient Composition Analysis Of YOUR Ingredient – Not Book Values
In this post I share excerpts from a response I sent to a Ugandan Farm CEO who purchased my Excel-VB Ration Formulator and later had issues he needed clarification on.
This was regarding nutrient levels of livestock feed ingredients.
I share my response here because I believe it offers information!education that others interested in Feed Formulation may find useful.
Below: His email request
Good morning,
Below are the current ingredients we are using in Uganda. Kindly get me the nutrient levels as listed below;
Crude Protein Percentage
Fibre
Energy levels
Phosphorous levels
Calcium levelsDry matter among others so as to enable me use the software better as many of the ingredients used in your area are not applicable in Uganda.
Also customise the software to that.
1 Maize Bran 2 Maize 3 Sunflower Seed Cake
4 Cotton Seed Cake 5 Fish meal (Silver fish)
6 Common Salt
7Limestone (As a replacement for shells due to the high sand content in shells here.
8 Calcium (DCP) 9 Layer Premix 10 Salcurb/Acido mix 11 Toxic binder
Thanks.
Below: My response
Hi Peter,
I’m sending the zipped app as an attachment to this email. It should download and work OK.
Now, on to your other message…
Your first request:
My response: I understand your request, however, the purpose of providing this kind of solution is exactly why it’s best that YOU get those details yourself. I’ve written one or two articles explaining this in the past. Will find and send you the links to read(See below)
You see, feed ingredients vary in their chemical/nutrient composition due to a variety of factors – including the weather and soil of the area they are grown in. So, if I supplied you those details based on what we have here, they would NOT necessarily represent what YOU would actually have in the ingredients you plan to use!
So, the way to use my app is to START by sending whatever ingredients you use to the laboratory for nutrient composition analysis. The results you get will enable you complete the Feed Ingredients table in the software.
Which brings me to your second request
My response: Actually, in line with my code of ethics, all my applications are designed to enable users post customized settings into them.
So, when you login to the app, and the main navigation menu loads, you will see the yellow colored button labelled, Update Feed Ingredients. Just click on it, and you will be taken to the table where you can post your entries in any order you want, and delete any you do not want.
Once you go back to the Feed Formulation table, you will see that the drop menus already have the new values you posted.
Peter, the above is all explained in the PDF userguide I sent you. Also check the 4 large images I sent in the previous mail to you. They are annotated photos of the different software interfaces, with instructions on what to do and how.
WATCH VIDEOS: http://tinyurl.com/RealRationDemo
Please take time to study those guide resources. – but if you still have problems let me know.
Cheers,
Tayo
RELATED ARTICLES
- 4 Essential Factors Affecting Feed Formulation
- Ideas for Exploring Low Cost Feed Ingredients, When You Have No Laboratory On Your Farm
- FEED FORMULATION APP & HANDBOOK
- On-Demand Feed Formulation for Farm CEOs Workshop [Hint: FREE Entry for Owners of Tayo Solagbade’s Feed Formulation Handbook & Software]!
- PREVIEW: Choosing The RIGHT Feed Formulation Software (What You Need to Know) – Based on a True Story
- Annotated Pictorial Introduction To Livestock Feed Formulation Ingredients
Tayo Solagbade Junior clocked 2 Years Old on 8th April 2016: Highlight Video, Photos featuring no-oven charcoal stove baked cakes, pizzas etc made by his siblings
I LOVE all – of my kids with ALL my heart, and I LIVE for them through the work I do.
This video (https://www.youtube.com/watch?v=hj6RECNvMWE&feature=youtu.be) of my 2 year old son was recorded just before I left for Cotonou, the afternoon of the following day -Saturday – after his birthday.
T-boy is what I call him (Tayo Solagbade Junior being what I named him) – but his mother and siblings, plus grandparents (in a grand conspiracy) all call him David. Na wa O.
Anyway he clocked 2 years old on FRIDAY 8TH APRIL 2016 and his siblings put their home based baking biz to serve him.
He and his siblings had taken their home made Pizzas and other gifts to celebrate with their cousins that day.
So I got them to bake him the special cake with candles the morning after. That was their first ever formal effort at using icing on their cakes – and it was a BIG struggle, with yours truly getting involved, even though I knew next to nothing about it.
We managed to get it done – and I was sooooo proud of my boys and girls. Since arriving Cotonou? I have been showing off the videos and photos
See photos along with this video on my blog below:
Facebook update:
RELATED
PII 009: Churn Out a Relentless Mass of Useful Quality No-Strings-Attached Article Marketing Content – AND SELL MORE!
Tayo Solagbade’s
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One’s ability to churn out a relentless mass of useful quality no-strings-attached article marketing content often makes readers overlook any biases they have, regarding the creator of that content!
It’s why I do so much of it daily, for my brand. I recommend you make it a priority for your brand as well. To achieve Zero Cost Web Marketing, that kind of content must be put in place and constantly updated with more useful quality additions. Those not willing to do this, because they want quicker results, typically settle for use of paid advertising online and off. I however continue to argue based on my experience based achievement that It takes lots of hard work and time to get it up and running (“critical mass”). But once in place, the results will make the effort worthwhile – like pushing a large boulder to the top of a slope and the letting it roll down! You need to TEST articles on your new website built by your new developer. This is needed in order to get a good idea of what the USER EXPERIENCE will be for visitors who come to your site from various sources e.g. search engine results pages, your Ezinearticles.com (EZA) by-line, or your EZA profile, an article posted on Twitter etc. In my experience from working with clients, I’ve found that your home page needs to go beyond showing article titles to publishing a brief preview of each article also got pulled in under each title, to better communicate to readers. One thing you need to avoid is devoting excessive space capital to your signup interface. Instead mqke provision to link each image we use in a slideshow on the home pqge, to a specific page or offer on the site(?) Many experts happen to have different target clients, with VARYING needs in fairly different markets. It’s therefore important that the opt-in offer you have on your site caters for all of them. This is why I feel it’s best to serve a mix of give away offerings – instead of just one. Otherwise you may short-change yourself. It’s of course up to you to decide if you want to. But deciding on how to do IT will require some thinking and testing. That’s why I feel it’s best we use the slideshow interface like I did over the years to be sure of what to put up in mine at www.tayosolagbade.com. It is my experience based opinion, that a business website owner’s number one priority should be to ensure his/her website serves the most attractive content up in as compelling a manner as will make visitors “feel” convinced to connect with him/her by joining the mailing list or sending a message or request for more. Keep this in mind: You can’t rush this process, if you’re to get it right! New posts from last week* |
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What If You Never Had to Leave Home or Drive Around Anymore to Make ALL the Money You Need (?)
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Socio-Economic Stability Makes People Less Inclined to be Dishonest [True Story: Lady hawker in Cotonou offers to send me (via e-top up) N250 Naira worth of MTN Benin airtime, and I agreed – giving her the money, knowing that I could not recognize or locate her. Read this article to find out what happened!]
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[Sunday]: |
Protected: THE FARM CEO (Issue 42): Bill & Melinda Gates Foundation: Agricultural Development: Strategy Overview, Smallholder Farming in Africa: 5 Major NGOs, Five Innovative NGOs in Agriculture
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Protected: THE FARM CEO (Issue 42): Bill & Melinda Gates Foundation: Agricultural Development: Strategy Overview, Smallholder Farming in Africa: 5 Major NGOs, Five Innovative NGOs in Agriculture
Socio-Economic Stability Makes People Less Inclined to be Dishonest [True Story: Lady hawker in Cotonou offers to send me (via e-top up) N250 Naira worth of MTN Benin airtime, and I agreed – giving her the money, knowing that I could not recognize or locate her. Read this article to find out what happened!]
Conversation between Me (Tayo Solagbade) & Lady Hawker in Cotonou – shown in the photo below (Translated from French to English):
This hawker – a total stranger – offered to pay for/send me (via e-top up) N250 Naira worth of MTN Benin airtime, and I agreed – giving her the money, knowing that I could not recognize or locate her. Read on to find out what happened!
Date: Sunday 10th April 2016 | Time: 9.46a.m | Location: Stade de L’amitie, Cotonou – Benin Republic
Me: Good morning madam. Could you please tell me where I can buy some MTN airtime for my mobile line?
Lady: Ehm, I don’t think there’s anyone inside the stadium selling. But you’ll find them just outside the gate.
Me: Argh. But I’ve only just come in all the way from the gate to watch the Handball players training here. I’m not ready to go back out yet. Anyway, thanks for your help.
Lady (walks away, then suddenly turns around and walk back to me): Let me get it for you. Write down your phone number on a piece of paper, so I can get one of them to sell the airtime via “TRANSFER to your line.
Me: Thanks. But I don’t have a pen on me.
Lady Hawker: Maybe you can ask the security guard at the entrance to the FM/TV building over there (pointing to the office complex about 20 metres away from the courts.
Me: Ok (Soon I return and hand her my MTN Benin Republic mobile phone number)
Lady Hawker: How much airtime do you want to buy – and what network?
Me: MTN 500 FCFA (equivalent to about N230 – by the currently CRAZY Naira exchange rate)
NB: I give her a 1000 FCFA note, and she gives me 500 FCFA change. Then I thank her and she starts walking away…
Up until the above stated moment, I’d felt quite at ease with all we’d been doing. It was something that I’d done and seen done countless times since 2013, when I first began living in this country.
But a few seconds after she’d gone ahead, the Nigerian in me (i.e. that survival instinct from growing up and raising my own kids in a contrasting society where VERY little is done based on trust) took me over.
I thought to myself:
“Tayo, just how gullible can you be on a Sunday morning? Especially considering you just came in from Lagos, last night? You’re really beginning to lose your touch! You don’t even know what this lady looks like for heaven’s sake! What if she does NOT buy/send the airtime as promised? How would you track her down?”
It was in that instant, on reflex, that I took out my smart phone and took the photo shown above.
But just as I took the photo of her walking away, I immediately felt stupid for 3 reasons:
1. The photo did not capture her face – only her back. That would be of little help in locating or identifying her.
2. The amount of money in question was really nothing – no big deal (a mere N250 – less than $1 USD): I’d lost or given away many multiples of that in the past!
3. My experiences from 3 years of living in Benin strongly indicated there were only about 5 chances in 100 that the lady – or indeed any other person who made me such an offer in Benin – would do such a dishonest thing.
You see, I’ve lived *and/or interacted) with people belonging to various income groups and social status in Benin. What I’ve discovered is that most of them have what Muhammad Ali told Zairean citizens he met, that they should NEVER lose i.e a “dignity in their poverty”.
Whether or not the Zaireans took Ali’s advice – given when he came down for his Rumble in the Jungle fight with George Foreman – is left for the reader to decide. My point here is that people in Benin strike me as having lots of “dignity in their poverty” – including the poorest among them.
In other words, even though majority may not boast income close to what their counterparts in Nigeria have, MANY carry themselves with pride and confidence, refuse to be talked down to or disrespected, and boldly state to anyone that there are certain dishonest acts they will not stoop to.
Don’t get me wrong: people here also do bad things – but those are generally more the exception than the norm.
Their morals and values remain quite well preserved so that certain positive behaviours continue to be encouraged and rewarded.
After reminding myself of the above, I dismissed my Nigeria-based-fears from my mind and focused on watching the handballers train.
It was well over 30 minutes later that I noticed on my phone, that the airtime receipt alert had arrived less than 10 minutes after the lady left me!
In other words, the lady-hawker did as she’d promised!
And she did so despite NOT asking for compensation of any sort from me: NOT even that I buy something from her!
Wow!
Now, if only I could boast that I would readily do what I did with this TOTAL stranger of a lady-hawker, with her counterpart in Nigeria.
If only I could proudly beat my chest that I could – and would – do it.
Sadly, much as I do not wish to make my country – or its people – look any worse than some already see it, the truth is that the chances of finding someone like that Cotonou-lady-hawker in Lagos, for instance would be very low.
Honest ones like her exist, but not in anything close to the percentage extant in Benin Republic’s Cotonou, for instance..
YOU – the reader – could put on a priest’s clothes in Lagos, and still NOT readily find anyone willing to give you money so you can send him/her airtime later on
So how come these people in Benin have such an overwhelming majority of well behaved members in their society?
I believe it has to do with the fact that they have their basic needs: food, shelter, clothing and security of lives and property reasonably well taken care of. As a result, they feel no psychological pressure or desperation to get and keep/hoard as much extra as possible.
Be it petrol or electricity, food, water etc: Prices remain stable and quantities needed remain accessible/affordable for a large majority of the population, no matter how “poor” they are..
For the most part, unlike what obtains in Nigeria, the socio-economic circumstances in Benin are not in a perpetual state of negative flux – so the citizens naturally FEEL no need perpetually engage in hustling!!
When people know they do not need to rush or fight to get what they need, they stop worrying about how to get it. It is part for this reason, that people in (or from) Benin Republic often get described by Nigerians as being too laid back.
When I first arrived Cotonou in 2013, I regularly bought a plate of my favourite quick meal “Spaghetti Rouge avec Viande” (Red Spaghetti mixed with cubed meat along with a piece of bread) for 300 FCFA – which was N100 equivalent at the time.
Earlier this afternoon, 3 years on, I still ate the same meal – same quantity too – for exactly the same price.
3 years after!
In contrast, so many food items/meals have had their prices climb upwards in Nigeria since 2013. Indeed since January 2016, prices have been leaping, not just rising.
And that’s what puts psychological and financial pressure on most Nigerians, so that those who lack the required mental discipline/stamina eventually give in to the misguided impulse to do bad things.
So people are living with a mindset of desperation – and like the saying goes, desperate people do desperate things. This state of affairs is no respecter of status.
This is why many supposedly well off Nigerians baffle visiting foreigners by their willingness to readily stoop VERY low to steal any virtually any amount, from any source or anyone (like British expatriate Tim Newman let on in his article).
It’s also why some of the few Nigerians in Lagos who may be willing to do YOU a favour like the Cotonou lady did for me, would still demand you give them a tip or gift, or buy from them as a condition for doing it.
My message is that we can all rise above our circumstances – no matter how tough they might be.
No matter how hard things are, doing something dishonest will NEVER make it better. You may get a relief in the short term, but it will come back to haunt – and even bite! – you in the long run.
The wise alternative is for you to adopt a similar mindset to the one I use:
Tell yourself you will never do anything that does not edify your spirit. That you will never be guilty of failing to deliver what you promise to another. That you will never lose faith in the ability of the Creator to give you what you need, as you continue to live an upright life.
If you do that, with diligent persistence, you will NEVER lack what you truly need. Something will always come through just when it really matters most.
Take it from me: I’ve been there countless times!
What If You Never Had to Leave Home or Drive Around Anymore to Make ALL the Money You Need (?)
Imagine that your ability to earn income you need to live your life the way you want it, did NOT require you to drive a car anywhere(?) One instant implication would be that you would have much less need to fuel/refuel your car compared to others.
Apart from the significant savings in terms of time, effort & money you would reap, you would also enjoy more peace of mind, less stress, fewer worries in addition to the freedom to spend more time with loved ones.
Simply put, you would enjoy a much higher quality of life – no matter where you are…like I do!
These thoughts struck me when I walked past this long queue of cars (shown in the photo below) with their owners – on my way to the Bank ATM nearby at 6:38 a.m.
They had been waiting since before dawn (some had been there since last night!) just to buy petrol as the scarcity in Nigeria persists.
I felt so sad seeing them…
Many people just refuse to stop and think that there has to be a better way to live, and that sweating physically does not need to happen for one to earn good income and live well.
It was in a bid to avoid the stress and inconvenience associated with using a car and refueling it in order to earn income, that I modified the way I work, to eliminate use of such disruptive elements.
You can learn to monetize your expertise or sell your knowledge to earn an alternative stream of mainly passive income.
This has nothing to do with Network or Multi-Level Marketing.
Instead it has to do with creating and selling your own original solutions to the right people in an easily reproducible manner that leverages the power of PC and Internet technology.
I’ve done this for years and it’s earned me international name/brand recognition as well as increasingly diversified stream of growing passive income.
If I can do it. You can do it too.
Why make money only on week or work days, when you can make money on public holidays and other non work days as well – all through the year???
Your mobile and Internet Service Providers have done that to you for years. Nothing stops you from doing it for yourself as well!
To learn more about how you can get started living this stress/worry free life, book a session to speak with me using this form.
SPECIAL OFFER: Let me create a Money Making Information Product for your company – that will be available for sale in an online payment processing store for sale to a global audience of potential buyers.
See the attached PDF for details – including photos and details of 2 money making and credibility/prestige boosting book products I ghost-published for a Legal Consultant client in Cotonou, as well as an Abuja based Catfish Farm business CEO.
I’ve been doing it for clients in and out of Africa, for years, and NOW I’m succeeding in getting more of my Farm CEO clients interested in it.
Note that if you have become my client, the fee will be subject to a 40% discount for you, as a member of my Cost-Saving Farm Business Ideas club.
Standard Fee for the service is N150, so 40% discount applied to that fee drops it down to N90k for ALL members of the club.
My offer:
Pay N70k on or before MNT Monday 11th April 2016 [Non-Members, pay N100k on or before MNT Wednesday 13th April 2016]
Click here to submit a web form request for a FREE PDF that offers more details.
RELATED ARTICLES:
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Financial Freedom Goes Beyond Just Having Money, to Also Being FREE to Live Your Life the Way You Want It [True Story: How Relocating to Cotonou on 1st April 2013 Helped Me Succeed As a Location Independent Multipreneur]
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How You Can Create Income Generating Assets Without Having a Job or ANY Money! (True Story)