Charity, Savings And Investments

The three key areas that surprisingly build your wealth in the long run.

Photo by Kat Yukawa on Unsplash

I am not sure whether you are one of those who believe in lady luck or not. All I know is that wealth building is real work like all other things of value. And moreover, it must be something you do consistently too. I am not speaking of lottery now, or a kind of spread betting or gambling casino. Those, I will say are a distraction from the real wealth-building. And what’s more, people who usually come across such wealth (Gambling, lottery etc) are not prepared for it, and as such, they spend it carelessly. So don’t be surprised to read big lottery winners going burst a few years after.

The Real Wealth Building Hacks

You have to decide whether you are working to build-up a wealth, or you are working to survive. Your decision about this will spearhead how you want to go about spending your money. If you are working to survive, then it would not really matter to have anything left at the end of the month, as long as you have met your month’s expenses. Then you should be happy.

However, this kind of attitude will make you poor in the long run. Imagine if your paycheck is not coming in at a particular month, then you have a problem of feeding and meeting your expenses for the particular month.

However, if you are building wealth, you will still able to meet your expenses for the near future. (Science of money management says at least for the next six months) after your pay ceases. That is why it is good to learn the hacks of wealth building to become rich and financially stable, simply by following simple wealth building hacks.


Charity is the number one wealth-building hack. At least, ten per cent of your net pay should go to help other less privileged members of the society. I am not going to dictate a particular charity. It doesn’t have to be a big kind of registered charitable organisation. I understand that most of the donations for such big organisations go into administrative work and the fat salaries of their top executives, leaving little for the actual charity work.

‘’No one has ever become poor by giving’’ Anne Frank

You can look towards helping out and spending this money purposefully, helping those with genuine need in your area of walk in life. This can take different measures like buying groceries for the elderly in your street, donating toys and books to children home, donating food, clothing items to the homeless, etc. There are genuine needs all around us, your club, church, mosque, playgroup, cooking classes, gym etc. These needs will change from time to time but look out for them and recognise them.


Then the next ten per cent of your net paycheque should be on savings. Set up a direct debit of your ten per cent of the net pay, and let it go the savings account. This should be done consistently. Believe me, it will soon add up substantially, ready for the out of the world emergencies, should they arise.

‘’Let me give you the definition of “rich” and “poor”: Poor people spend their money and save what’s left. Rich people save their money and spend what’s left.’’ Jim Rohn

Look out for a stable bank, and good interest rate. It can be either fixed or not, the choice is yours, and according to what you perceive to be a low-risk saving account.


This is the third area that takes your next ten per cent is an investment. This is where you use the money to create wealth. Look out for what you can invest in to give you additional income regularly. There are many of them, ranging from the joint venture to investment clubs, stocks and shares, commodity and foreign exchange trading, buying and trading in gold bullions, properties, etc.

There is a caveat to this, ONLY PARTICIPATE IN AN INVESTMENT THAT YOU ARE SURE OF. Here is where you need to trust your instinct. Remember, if it is too good to be true, it is probably is. There are many scammers that will offer you gargantuan investment profit, do not believe them.

Also if you are using a broker for trading in stocks, share, forex and commodities, read reviews about the companies before you invest your hard-earned money. Online reviews companies like Trustpilot, Power review, Feefo, etc are useful here. Spend time in knowing what experiences the others have with them before you invest with them.

You can as well look for other forms of investments like retail trading. A company like makes it easier to retail these days. There are also retailing platforms like Amazon, eBay, Not-on-the-high-street, Etsy etc. Online retail is increasing due to the pandemic, and the fact that people not able to go out for shopping. Educate yourself with what is going on, to direct your customer focus on. No matter what you want or need, you will always find the information online.

‘’When it comes to investing, nothing pays more than educating yourself.’’ Benjamin Franklin

For those who are writers, there is an opportunity to get your work published. I know that John Ross, Gurpreet Dhariwal, Simran Kankas and Denise Larkin have all published their poems on Amazon. Read more about getting your poems published into a book here. Even all your writings here on Medium can be published, as long as they are authentic, and exclusively yours, then you can get them published, either into an e-book or physical books. The opportunities are endless.

You might think you have no business acumen but look at those hobbies that you are passionate about. You can turn your hobbies into a business. What is important here is to know what you are doing, and don’t waste your money by looking for unrealistic profit margin.

So what are you going to decide upon? Are you going to build wealth, or live to survive? Whatever you decide will make a difference between you being wealthy, poor, or just getting by. Best wishes in your endeavour.


Like all good things in life, there are rules and procedures to follow for ultimate success. So I want to ask you, do you know what you want to achieve in life? Do you know how to go about it? Today, I want to talk about the science of success in online business.

This is important so that when we follow the rules, success is sure to take place. Creating a lasting and sustainable income online is a slow growth process, takes a whole lot of patience, sacrifice and commitment.

The first thing is to document your dream into a plan of action and follow through those plans, consistently and with focus. You also need to develop the needed confidence that only you can help achieve your dream, you are responsible for your success.


Your vision is what you want to achieve, and how do you want to go about it? Ask yourself, what you need to do differently to what you have already been doing. These questions need to be addressed in order to create a workable solution.


In teaching yourself, all the essential skills you need to succeed. In doing this, you need to remember that some of these skills are acquired, which means they have to be paid for. This brings me to the next one.

Invest In A Mentor

It was Tony Robbins who once mentioned that, if you want to succeed, follow the path of those who have.

Follow the path of success of those you want to emulate.

It is therefore important for you to invest in a mentor, be ready to be teachable. This means you must follow the plan of actions religiously, and not looking for short-cuts but rather interested in building something long-lasting.

This brings me to what mentoring organisation to recommend that has stood the test of time., cheap and genuine in teaching you all that you need to know about online business.

I can only mention WEALTHY AFFILIATE UNIVERSITY, so enrol, which you even do free of charge for a month, before you even commit yourself.

What Is Your Vocation?

Wikipedia defined vocation as ‘AN OCCUPATION TO WHICH A PERSON IS SPECIFICALLY DRAWN, OR TO WHICH THEY ARE SUITED, TRAINED OR QUALIFIED.’ This gives an idea of what you think you are specifically drawn to. Dale Carnegie once said that:

‘People hardly succeed unless they find fun in what they are doing’

So what is important here is the suitability of what you want to do. Most people are drawn into one form of a business model or the other, simply because of the huge financial benefits, without considering whether this is the sort of business model they want to operate for the rest of their lives. Now we must remember Abraham Maslow accentuation of needs, perhaps when the money now comes, they will no longer enjoy what they are doing, and will have to sell off.

Vocation Lays An Obligation On A Person

Having a vocation lays enormous responsibility in a person. This is because one has to struggle to claim the victory. Such struggles involves ability to succeed by ensuring adequate training, putting efforts to ensure success, unremitting persevearance and ceaseless dilligence. Such obligation is fuelled by purpose, purpose of your commitment to your family, to others you want to treat or bless, and to yourself to live your dream lifestyle. We can now look at each of these individually.

How seriously do you take up your obligation
How Seriously Do You Take On Your Obligation?

Adequate And Relevant Training

If you believe in your calling, you will want to ensure you are adequately prepared for the challenges ahead. And one way of doing that is to ensure you look for an institution that can well support your desire to be the best you can in that field. The same is true for your online business. In fact, online business education is even more important now than ever. Why is this? There are too many bubbles out there, bubbles and babblings, scammers and achievers are both promising gargantuan streams of income, some within a short time of your joining their scheme or training. This makes it important to get training to know where you are going, and how to get there. Like all things, it is initially difficult, but with training, you are now master. You are able to navigate your path, choose the type of online business that you believe it is your calling, and stay focused until you are completely fulfilled.

Putting Out All Effort To Achieve Success

Once you know what needs to be done, it is then left to you to put effort into what you are doing. And most importantly remain focused. Diversion and distraction are the killers of online business success. This is because there are many what we call ‘SHINY OBJECTS’, and unless you are committed and believe in your calling to a particular niche, it is often easy to get distracted.

Putting out all effort means to follow closely the guideline of your mentor and training programmes. Work at least consistently and every day in your online work. Get help and instruction on those dodgy areas, until you master them. Ask question until you are satisfied, be inquisitive to whatever is in the way of your understanding. Before you know it, you are getting there, and in better shape too.

Unremitting Perservearance

I will tell you one secret today, online business is one of the slowest growth out there. Do not believe those who tell you that you can make millions in a few days. This is the sort of story that people want to believe, and this is what scammers use to enrich themselves. People believe in such stupid story as a rotator that will give them organic traffic, allow them to sell whatever, and make huge profits. They are all lies, online business success needs perseverance. It does take time to register your online presence, for people to know and recognise you, and build up confidence enough for people to be able to part with their money. Also, your online activities will be closely monitored, and reviewers will scan you, so to say before that confidence is achieved. All these do take time to build up.

The good thing about all these is that you are assured of success if you stay true to your calling (niche) until you reach your goal (success). In fact, if you are serious about online success, it is one sure way to live your dream lifestyle.

Ceaseless Dilligence

Online business success requires honest and persistent, uninterrupted effort to achieve success. This effort is directed towards a clear understanding of what you are doing, and what is required. This you would have obtained from training and mentoring. You develop your creative output alongside others that you emulate and are proud of. This also means never giving up, working tirelessly, with all positivity and encouragement you can master. Such is the life of an online worker. So do not allow anyone to deceive you that these are what you can easily scale through. It takes time, effort and of course ceaseless diligence to succeed online.

Set Yourself Free

Set yourself free from living lives of mediocrity, live your dream lifestyle. Remember if you are gifted, you can do something to improve on such a gift. Do not bury your talent, nor trifle with the high mission awaiting you. the high mission of taking control of your life and your success, and those around you that God has put along your path to bless. Many are doing it, and you too can do. But you must try. Start a free starter course programme now.

Social Media Marketing

Are you a network marketer relying solely on social media for sales? You need to think again. Why is this? This is because up till recently most social media engagement has been deliberately reduced. For an average marketer, you would have noticed: 

  • Pages not loading 
  • Replies not posting
  • Adverts not showing
  • Organic readability & reachability of posts, blogs, and adverts are now greatly reduced. 

For marketers that rely solely on sales from social media platform, could cost them a lot of sales, and therefore money. And that is the reason for this blog. To warn my colleagues to wake up to what they should be doing, rather than rely more on social media for sales and profit.

Borrowed Assets

Have you ever wondered what could happen if you are trading on a borrowed asset? It is very simple, because one day, the owner will come, demand his asset and pulled the plug on your trade. That is exactly what is happening now with social media. I was reading an account of a ‘Shopify’ owner whose website was suddenly closed by ‘Shopify’ for violation of TOS of ‘Shopify’. So it becomes obvious that platforms like ‘Shopify’, WIX, SQUARESPACE, JIMDO & WEEBLY are those types of websites that you can build on so-called borrowed Assets. A plug can be pulled on you anytime, and the earlier you start thinking about that the better. The future profitability of your business will depend on it.

Now to my earlier point as a network marketer, what are the more reliable assets to build your business upon?

Email List As A Trusted Asset

I am sure you would have guessed about what I am going to say here. The importance and value of your email list cannot be overemphasised. This list consists of people whom you have their permission to ‘invade’ their personal privacy, send messages, show them your products and offers, and even ‘SELL’ to them. isn’t that a wonderful thing? 

Unfortunately, most of us undermine building a personal email list, for one reason or the other. The important issue about email list is that if someone has purchased from your list, the person has trusted you enough to part with his money, and is likely to buy from you again. Your email list has, therefore, become very invaluable personal asset, which used wisely can actually increase your online profit. If you are not building your email list at this stage, you should be doing it right away.

How To Build An Email List

To build an email list, you need to produce a ‘bait’ to lure potential customers whom you want their email. How do you offer a bait? Originally, affiliates will write reviews and just ad a link of the products to their review. However, that method is faulted because there could be potential customers who will read the review, buy products, and exit your website without you collecting their email address.  Your goal is to collect the email address of anyone that visit your website, but HOW? In this method that I am going to describe, you will have ‘a downloadable free gift’ on offer. This offer must be something relevant to your niche, and of value, enough to lure anyone who visits your website to want to part with his/her email address. The offer will only go via their email address, giving you an opportunity to save the email address.

Offer – you must have a unique product or services to offer, really tangible and unique, that aligns with market demand.

Collect – ‘qualified’ list of those who trust in you, and look forward to learning from you and what you have to offer.

Develop – the trust and confidence in each customer to make them want more of whatever you have on offer.

You build your list from scratch, you offered, they opted in because they want to learn more.

Lead Magnet – Key To Successful List Building

Your lead magnet must be relevant to the niche you are promoting. It can either be a special report in a downloadable PDF format or a video tutorial that goes straight into the ‘prospect’ inbox. The video must be high-performance visuals. A lead magnet must be free, and you must use a different landing page for different offer and markets.

Put Customers At Ease

There are lots of scepticism in online business that you need to do more to gain the trust of your prospects. You do this by putting the following in your email list: 

Physical Address – (this is mandatory under USA law), and the majority of your customers will come from the USA market.

Contact Details – phone number, Skype and email address. The issue here is to make easy for those who want to contact you and get the response.

Your Recent photo – indicates who you really are. Your photo indicates you are a real person, not a ghost, and are willing to share your photo with your list to determine your authenticity. This goes a long way to put the contacts at ease.

Terms Of Service – you must write out clearly your terms of service, no spam and are willing to respect your lists’ privacy.

Testimonials – will be good if you have one as this will further reinforce your authenticity. If you are just starting out, of course, this will not be there. Nevertheless, you can start out well and trust that as time goes on, your happy customers will be more than willing to give you written and or video testimonial.

Make It Simple 

The design of your lead magnet, from opt-in form to conversion must be simple in its entirety. Actually, Alber Einstein said’ IF YOU CANNOT EXPLAIN IT SIMPLY, YOU DON’T UNDERSTAND IT’. Only ask for email address, as that is the only thing you need, and for which people are willing to pass willingly. Research indicates that those landing pages with only email address request convert more.

Boost Your Conversion

You must be ready to boost your conversion by providing a personal touch and engaging your list regularly. You provide what is going on around you and your niche, and generally about the online world. There’s no need for you to start selling immediately, you only want to build rapport and trust at this stage.

Nothing Is Plain Sailing

Like all things of value, it takes its time, its learning curve as well as bumpy ride. What is important is that you remain focused, and don’t give up. Focus on your good strength and capitalise on it. Do not give room to negativity. Take one small baby step at a time.

Top 3 Challenges Faced By People Starting Online Business

There are many challenges facing people who want to seriously pursue online business, and I want here to highlight just three important ones to ‘battle’ if you really want to be successful in the online business world.

Lack Of Focus

There are many aspects of online business, and after you have done your initial assessment and determine the one that suits you. It is important that you stay focused on THAT ONE UNTIL YOU SUCCEED. This one singular issue is responsible for most failures. Why is this? Because the internet is huge with various distractions, from one project to the other each promising gargantuan and ready income streams. So if one is not really focused, disciplined and committed to the chosen niche, one can easily be distracted. This wanting to be part of a new scheme is called FOMO (Fear Of Missing Out). It is easy to want to believe that a particular scheme will give the needed stream of income than the one you are currently on, so you jump into that, and so on and so forth.

However, it takes considerable time for one to develop anyone opportunity to mastery and perfection for it to be a sustainable business opportunity. But because one is constantly being bombarded with different and new opportunities, there’s a tendency to believe one will make money faster. Scammers know this, and they use it to the full. They come with their so-called ‘SHINNY OBJECT’, and false promises, then they present something that will work for a while before they disappear not to be heard of.

Online Business Success

Another problem here is that if one doesn’t start to make money immediately, there’s a tendency to have little faith in the chosen one, so that sort of increases ‘the shiny’ object drive all the more, shifting your focus again from your main pursue. Unfortunately what is happening here is that the less focused you are to your chosen to niche, the more difficult it will be for you to develop it to what will generate income for you. So I will advise you to carefully chose your NICHE, stay with it to mastery, know all you need to make your niche successful before you embark on another project. The more projects you have on hand, the less it will be for you to make any of it successful. That is what lack of focus do for online business. Remember he who chases after two rabbits catches none.

Unrealistic Expectation

Today’s trend is to get things done quickly, as people have less and less time for important things in life. These quick fixes have unfortunately robbed into an online business. Instead of systematic dedication and planned actions, people believe in magic formulas to generate success online. Let’s face it, anything that is worth it’s while needs time to take up groundwork, and generate success. Online business is no different.

Another important thing is to know is that it will take you time, depending on how much time you are going to commit daily to your online work, to know the gritty nitty of your chosen niche. Although there are many mentors out there, these will only teach you what to do. Until you TAKE MASSIVE ACTION and do them yourself, nothing will happen. And you must remember that there are learning curve as well. You need time to understand what is being taught, apply it, make some mistakes before the real mastery. If unfortunately, you have an unrealistic expectation of your result, you are likely to ‘abandon the cart before the checkout’.

Low-Level Activity

Someone once cautioned against ‘bareness of a busy life’. This means getting busy at low-level activities. What do I mean by low-level activities? Well you on your PC, if what you are doing has no relations to your online business, instead you are responding to non-business emails, checking on your horoscopes, playing games, chatting over Skype etc. Before you know it, you are tired, and you go to bed. This sort of low-level activities continue day in, day out for days, months and years, and nothing is being done on your online business.

My coach once advised me to delete all unnecessary emails at the start of a coaching lesson. The time spent on emails can be considerable if you think of today email marketers, you can get up to one hundred or more emails a day. So dealing with each one of them can take considerable time out of your main goal of online business.

The best way to leverage your time is to have a daily plan of action to follow. You must do high-value work and activities first thing in the morning when the brain is fresh. This means work considerably on your business first, until you are due for a break. If you come back from the break, and you still feel like continuing with your high-level activities on your business, then go ahead, until you feel, you should call it a day on high-level activities. After this, then you can relax on low-level activities like Skype to chat with your friends, check and respond to emails and play games, watch TV or movies online.

Actually, you should work on online business daily no matter what instead of saying several hours once or twice a week. An online business needs consistency and dedication, especially at the initial outlay when the business is at its onset. This is what you need to work on, daily with a systematic plan, and focused action until you attain mastery in the business. Achieving mastery means the business is well on the path to giving you the needed streams of attainable income I can say, this may take between two to three years, if not more to achieve the desired result.

How To Overcome The Challenges?

Overcoming the challenges is very easy. I say this because online business these days offer many opportunities of mentors, coaches and other tutors, who have worked the path, and can easily show you the direction. This prevents you swimming un-aided in the ocean of the unknown.

Wealthy Affiliates University provides easy step by step online business course from the beginning to choosing a niche, developing a website, and marketing your online business. There is also a month free starter, to test the waters so to speak, and determine whether it is something you want to do before you committ yourself to it.