How To Make a Billion Dollar Company From Scratch

(I searched on "Ideas Flowing" and came up with this image)

This blog is not about money. Or entrepreneurship. Sometimes people ask me what I blog about and I have no good answer. The best I can come up with is “ways to be happy”. You don’t need money to be happy. But the Universe is creative. It created us. And like our “father”, we feel the need to create. The best way to create is to be aligned with the same forces that fashioned us. Else, our creations get distorted, ugly, and ultimately fail. To be physically, emotionally, mentally, and spiritually healthy is the key to any success you want. This is a story about health.

Nine ways Mike Lazerow made a billion dollar company.

The first thing, of course, is that Mike Lazerow, the founder of Buddy Media, met me. This sounds egotistical, but everything I did in the encounter was bad for me.

He cold-emailed me in 2007. I had just launched a company called Stockpickr.com. He liked the idea and his time with GOLF.com (which he had built and sold to Time Warner for $24mm) was running out and he wanted something to do. He liked the idea of Stockpickr and wanted to run it. Specifically, his email said:

“I’m a huge fan of Stockpickr and can help grow the business to the next level. Let me know if you’d like to discuss. You currently have a great site and with a little tweaking can turn it into a category killer.”

(image i got when i searched on “ideas flowing”)

So we met at my favorite diner on 44th street. He told me the other day he remembered what I ordered. Bacon and a vanilla milkshake. For someone born with a heart condition, as Mike was, that order must’ve stayed implanted in his memory.

He pitched a bunch of great ideas of what I should be doing at Stockpickr. I did all the ideas. They were genius. In fact, I stole them all from Mike and didn’t give him credit. That’s the way I roll. And I did become a category killer as a result. Thanks Mike!

Although he didn’t become involved with the company (I ended up selling it a few months later) we became friends and would meet regularly for breakfast. So the first great thing that happened to Buddy Media was that to my great detriment I didn’t let him run Stockpickr and he was forced to come up with an infinitely better idea, which was Buddy Media [disclosure: I invested].

The reason I think this is an important story is that, without realizing it, Mike applied every aspect of “The Daily Practice” to his business. Else, I think his business would’ve not done as well. Maybe it would’ve even failed.

[See also, “The Day Stockpickr Was Going to Go out of Business – A Story of Friendship“]

2) He created the business with his family. Kass, Mike’s wife, helped him run, build, support, sustain, breathe life into, etc the company. What a pleasure it must’ve been for the two of them to integrate their marriage, their friendship, and their business so successfully. That is very hard to do. Not every couple can do this. But I find it to be intensely powerful when it works. If you and your wife are positive people, push each other to new heights, and keep each other inspired and motivated this will create a force field around you that blocks out the negative people. This is the key part of being emotionally healthy to face all the demons that try to destroy you when running a business.

[See, “The 100 Rules for Being an Entrepreneur”]

And I’m sure it allowed both of them to keep stress levels down, to create a family-style culture in the business which inspires loyalty, and to multiply the level of brainstorming which allowed them to make the crucial decisions I describe below. I added this to my original post from TechCrunch because I got several emails from employees of Buddy Media telling me I missed this. Corporate culture ALWAYS comes from the top down. If you have positive inspiring people at the top, who are intensely concerned about not only their own success but the success of their employees, then the employees even at the very fringes of the company will do everything they can to help the company succeed. Because it’s their success also.

This, in my view, is the emotional part of the daily practice. It’s not always about finding “enlightenment” or some sort of spiritual satisfaction. The universe is creative. It created us. It wants us to create just like IT creates. The best way we can create is if our “bodies” are aligned. Our physical, emotional, mental, and spiritual bodies, with equal focus on each one. Never favoring one over any of the others. Mike did this. And his creation was felt by thousands, if not millions of people.

3) He saw the potential of Facebook. Not everyone did. In July, 2007 I got laughed off the set on CNBC by saying Facebook would be one be worth north of $100 billion. In September, 2007, Mike bought a technology called AceBucks, which worked similar to how Facebook Credits works now. A bunch of us put together the first round but we had no idea how this would work. The idea is that AceBucks / Buddy Media would make games and people would buy or trade virtual goods using AceBucks. Sounds like Zynga right? Come to think of it, Mark Pincus (and Peter Thiel) was also in that first round of Buddy. Perhaps hedging his bets.

(the original logo)

For whatever reason, the Zynga games caught fire and the Buddy games didn’t. I really like word games. Buddy had a boggle-like game and Zynga had one. I kept playing the Buddy game until I was the only one left. Everyone had moved to the Zynga game. Screw Zynga! In any case, the Buddy games and AceBucks weren’t really catching on.

How did he see the potential of Facebook when few did? He had spent years honing his mental idea muscles. He had started golf.com. Before that he had started and sold Student Advantage. He was always coming up with ideas. He gave me ideas for free. Because he did that so generously we were able to become friends and I introduced him to the people who put together his first round of financing. This is how you succeed. You give, you connect, you give more, you give generously. It all comes back to you 10 fold. In this case, I would say it came back to Mike 1000-fold.

You don’t need to start companies to become an idea machine. You just have to start TODAY coming up with ideas, honing that mental muscle, not letting it atrophy, until everyone around you gets the overflow and you are the source people turn to when they want good ideas.

4) He switched business models to survive. So his first business model failed but he still knew Facebook had potential. Did he get discouraged and depressed and drop out? No, not at all. Because his sense of self, the health of the four bodies described above, was at top level, he knew the truth of what he was doing. And he felt the need to create. And Facebook was the vehicle.

But he, at first glance, totally failed. And Mike had gotten all these programmers together who knew Facebook better than anyone else. What to do with them? He basically created the market – convincing companies that they needed a Facebook presence even more than they needed a corporate website because of the direct engagement with the customer. He transformed into a service business at first, helping companies one by one get onto Facebook. Building various tools and applications that businesses could use to manage that engagement with the customer. With Facebook you advertise once to get that “fan” for your brand but forever after you can market to them for free. The trick is to have the  tools to keep that engagement high so the fan continues to like you. And for that continuous engagement, companies would pay Mike’s team for his programming services.

(click image to see Mike’s inspirational video, “Is Fear Holding You Back?” that he made the day of the Salesforce announcement.)

This was in 2008. When the financial crisis was happening and it became much more difficult to raise money. By transforming from a gaming/virtual currency company with unkown prospects to a service business, Michael guaranteed that the company would remain afloat. When you have a service business (I had a website development business in the 90s so knew from experience) you can stay afloat by hiring and firing as needed when clients are added or dropped.

The problem with a service business is that you are only as valuable as the people who walk out the door every night. Mike knew this so…

[See also, “How I Disappointed Tupac’s Mom“]

5) He became a software-as-a-service company. He saw that many of the services he was building for companies were the same. So he standardized them and created a platform of tools. This platform-as-a-service approach allows you to make money while you sleep. In other words, you now can command a higher valuation. Your tools and intellectual property become valuable. They don’t walk out the door at night.

Companies can sign up, use the tools, add more games, apps, engagement tools, etc without the need for the usual overhead from a service company: project managers, programmers, workflow specialists, designers, etc. It was all done for them one time and they can just keep going.

It also created a huge moat around Buddy. Once a company signed up, they couldn’t easily switch because they were using all the tools that Buddy owned. Valuation got higher and Mike raised enough money at the right moment to stay in business forever.

It’s like having children. You give birth, you raise them, but then you need to let them go. Then their creations are yours by inheritance and you can share in their bliss.

6) He brought on distribution as equity partners. Many businesses take on standard VCs as investors and then fight it out for distribution. Mike brought on ad agency WPP, who had thousands of potential customers, as an equity partner. WPP’s interests were compleletly aligned with Mike’s so adding new customers never became a problem and the company continued to grow.  Every growing business should do this. It further locks in your moat and makes it easier to raise future money (VCs say “well if WPP is in then we should go in”).  In fact, VC demand was so great for Buddy at this point that when I called Mike to introduce him to a high profile VC (top 3 in the Valley) he wouldn’t take the meeting. “Too many meetings!” he said.

In other words, although he was super busy, he also valued his time. If you take every meeting, you die. ONLY DO THINGS YOU WANT TO DO. Else, in a life too short, we run out of time.

7) He worked beyond human capacity. One time I was thinking of starting a consulting business helping corporations develop their twitter strategies. I almost wanted to be a Buddy Media but for twitter instead of Facebook. I had customers ready to go including a major car company. I called Mike up asking for advice. He was getting off one plane and about to get on another. He was speaking at one conference on one continent and about to visit a client in another continent. I got scared. I had just met  the woman who would become my wife. I didn’t want to be flying all the time. This car company already wanted to fly me to Detroit.  I can’t remember if Mike gave advice or not on that phone call. I only remember that I was literally shaking when I heard how much he had to travel. I was too lazy! So I stopped the business. I think he loved what he was doing. But I knew I wouldn’t’ love it. It would kill me.

Click on the above video, though, to see how he kept it all in balance. That video summons up perfectly his devotion to his personal spiritual practice as well as the importance of physical health, emotional health, mental health, and keeping it all balanced. Else you die. Your business will fail. Employees and investors will hate you. Things will be “off” and you won’t be able to figure out why.

[See also, “140love – The Ultimate Dating Serice“]

8) He sold the company. 

Let’s summarize why. Facebook just had THE MOST SUCCESSFUL IPO in history. The newspaper headlines say it was a “flop”. That’s why some people write newspaper headlines and some people make a lot of money. The pessimists write the headlines and the optimists make the money. Facebook raised the maximum amount of money they could raise at the highest price and they paid the lowest fees paid in the history of investment banking. With decision-making and execution like that it adds to a long list of successful decisions that Facebook’s management continually makes. This IPO was very successful for Facebook, which is why their stock is cheap now. But further, go back and watch the Super Bowl. For the first time, more than half the companies didn’t put up their website URLs. They put  up their Facebook URLs. Many of those Facebook pages set up by Buddy Media. Facebook (and Buddy) are here to stay.

Salesforce.com, with their thousands of companies in need of additional SaaS Services, particularly services that allows them to manage their presence on Facebook, was a natural fit for Buddy and will do well as marketing budgets switch more and more to the Facebook ecosystem.

9) He sold for $800mm+. I’m not sure why the newspapers keep saying $689mm. Let’s carefully read the SEC filing together: It states that “total consideration” …”shall mean an amount equal to USD$745,000,000, plus the sum of (x) Closing Cash and (y) the Aggregate Strike Price Amount”.

So what are the “Closing Cash” and the “Aggregate Strike Price Amount”? We know the company has raised $90mm according to Crunchbase, with the last round closing in the latter half of last year – a total amount of about $55mm. The prior round was $30mm. Assuming they still have the $55mm in the bank leaves us with a price of $800mm. Now add in the “Aggregate Strike Price Amount” where they take care of all the issued options, many of which are significantly in the money. I don’t know what this number is. But it probably adds 10-20% to the deal price. We’ll know for sure when the deal closes. $800mm makes this the largest tech deal in NYC in over five years.

AllThingsD is reporting that Google was willing to pay more than $745mm but this $745mm is an arbitrary number. Given the tighter federal overseeing of Google acquisitions, plus the clear synergy between Buddy and Salesforce.com, plus the fact that this deal is probably closer to $850mm – $900mm in size, Google would’ve had to offer a billion or more to take the deal away from Salesforce.com.

So congratulations to Salesforce.com for finding the perfect complement to the services that they provide customers. And congratulations to Mike and team for a job well done, for riding the waves of anxiety and fear of obscurity that inevitably rise in every business. For surviving. For staying healthy. For working hard. For selling.

[Exercise: start making simple goals for physical, emotional, mental, and spiritual health. Make them very very simple. Use TDP.ME to track. Will you then make a billion dollar business? Maybe not. But I guarantee within six months your life will be completely different if you do this.]

[Also, please sign up for my email newsletter for more inspirational or entrepreneurial notes throughout the week. AND you get my last three books for free as soon as you sign up. Plus the archives.]

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  • Chap Moore

    Very Nice. Keep Going. Be Persistent and talk to lots of people.

  • http://www.facebook.com/libragopi Gopi Sundharam

    Awesome article. Inspired.

  • http://twitter.com/priteshdesai Pritesh Desai

    Inspiring story, thanks James.

    BTW I’m no buddy media but I design facebook pages for business owners and here’s a simple guide for business owners looking to promote their business on facebook  – http://on.fb.me/MouqmL If you want to get more followers for your fan page do check it out.

  • Marc

    Just after I read this article I read one on ESPN  about Curt Schilling’s video game company going bankrupt.  The one red flag  was how his biggest loan came from the State of Rhode
    Island to move there.  That can never be a good move, having the government be your
    biggest investor (and Curt himself was second)  And he claims they blocked him from getting private investors later on.  James could probably do a case study of what not to do from Curt’s business. 

    Great story about Mike though.

  • http://twitter.com/DeniseGabbard Denise Gabbard

    Great article…and something we can all learn a little from….as well as that comment of Marc’s about Curt Schilling… Thanks for sharing this with all of us. 

  • http://kymira.blogspot.com/ Chimera Swa

    very inspirational. I like your analogy of the universe creating us and we in turn creating something. Everyday I think that I should follow your 4 rule mantra but everyday I fail. I do start with writing down ideas but all others seem to be difficult for me to follow. I hope that one of these days I would wake up and lo and behold I would build a cadence of the daily practice.

    • http://twitter.com/jaltucher James Altucher

      Chimera, maybe try to make it easier. Instead of doing something like yoga, do as your physical goal “walk around the block” or “be in nature for 10 minutes”. For emotional, “return email to an old friend you admire.” for mental, “come up with 1 business idea a day”. for spiritual, “be grateful for 1 person in your life and why”. Make it as easy as possible for yourself. 

    • http://www.facebook.com/profile.php?id=1773828926 Katya Kean

      Chimera, also make Sure that you’re healthy.  For years I struggled with a lack of mental focus, only to find that I was too low on iron to think clearly.  I got my ferritin (the form of iron that your brain uses to synthesize dopamine), Vitamin D, Calcium, B vitamins, and lots of other things checked, and realized that no matter how much will power I had, my intentions weren’t going to pan out unless I monitored and optimized as many biomarkers as possible.  Our bodies are all different, and our bodies fuel our brains.  So if your brain isn’t focusing as you like, try tracking your body’s biomarkers.

      In the meantime, as James said, keep it simple and small.  Checklists help, too!

  • Bparrish2

    Google + refuses to let me unsubscribe from email notifications.

    James, please take me off your list.  Best of luck, great blog.

  • Zach

    “start making simple goals for physical, emotional, mental, and spiritual health. Make them very very simple. ” James, have you heard of the new BJ Fogg (Stanford Persuasion professor, mentor to Ramit Sethi, works a lot in industry with behavioral change) project called 3 Tiny Habits? Check it out…it would be worth recommending/ combining principles with your Daily Practice: tinyhabits.com

    • Roy

      Thanks Zach

      I just joined

  • http://realfilling.com/ the99th

    Shared this with my womanly partner en vida.

  • Gonzalo Gandia

    Nice article. It all seems so overwhelming. The mindset must be incredible to get to the point of selling a company for 1MM, let alone 800 MM. I’m at the bottom of the mountain, and I’m looking up. When you’re at the bottom, the thought of taking one step at a time seems so useless, so pointless. Especially when you’re 45+ years old.

    When I read an article like this, I don’t always find it inspiring. It’s so alien to me. Let’s be honest: not anyone can call someone like you out of the blue and talk about business. As much as you say life isn’t about networking (in previous posts), it has EVERYTHING to do with it. Meeting the right people and having the right information flow is of tremendous value. It’s the life blood of any business, in my mind. No one is an island.

    At the end of the day, I believe in nurture more than nature. If you didn’t have the right environment early on in life to learn how to succeed on your own (i.e. not fall into the “get a degree and get a job” mindset), how to create business out of thin air, if models of success are not around you in your personal life, then I think you start the game in a big, big hole.

    Believe it or not, you do inspire me. Your site is great, keep writing, keep putting down your ideas, keep telling people to fight the good fight. Hope is all some of us have…

    • Ron Bohn

      Gonzalo, you seem to think that having an existing network is more important than it really is. You can have a business that just has one client and build a lot from that. Do an amazing job and get a ton of referrals. You should have more confidence in yourself. You are the person that can make things happen for you, not someone else. If your products or services offer real value, then people will know and believe that they are doing their friends a favor by sending them to your doorstep. Networking is useless if you don’t offer anything of value. Most people that focus so much on just networking are usually middle-men that really don’t offer anything of value to the world, or, they are just networking with other people who are desperate…also usually not having nothing of real value to offer. Just my opinion, and there are many decent arguments that can be made against what I’ve said.

    • CoedK

      I would have to say though, that many of the largest software companies were started by kids with relatively no experience and, in some sick way, that is what sky rocketed their careers to become so lucrative- as a result of not being stuck in the muck they had all of the innovation necessary to not be the norm- you need to break from the crowd! Yes, no one person is an island! I admit that, but do you really think any of these companies were started or became so valuble with a single employee!? No! And can having a netwrok of powerful people who would do anything for you help? You betcha! But are these the only things that matter? No! It isn’t about what other people can do for you that make people successful, especially not from a technical entrepeneurial angle, its about what you can do for other people!

      Oh and I agree completely with you positive comments about the site! I’m personally just a college student and I have an idea of how to build the back bone of my enterprise and I’m going to need to go abroad to accomplish it but from the completely flawed and beautifully eroneous point of view of a hungry college student I think it has the possibility of making in the range of a few millions building a base of gauranteed returns!

  • jasontoheal

    Nice post. It’s great to have a background story on a success. The headlines usually just make their achievements seem so unattainable.

  • http://www.twitter.com/bennesvig Ben Nesvig

    Awesome post. To add to your summer reading list which relates to #4, The Dip by Seth Godin is a great book on quitting/sticking. 

    • Monocled

      Seth Godin is way over-rated…not an original thought in his bald little Buffalo NY head ..his only talent is tacky self-promotion no different that 99.999999% of the people who exploit the insecurities of the masses back onto themselves..cheers!

  • Monocoled

    wtf bullshit is this? The  new HBO series, “The Newsroom,” written by that leftist hollywood mouthpiece whore Sorkin ?
    The profit  from the show prolly goes right to OBummers re-election. Already chewed empty headed Jeff Daniels. or Mr. Dumber and Dumber  should be exiled to Michigan for good and already embalmed Saigon Jane Fonda rounds out the obvious agenda here…Is Sorkin a coked out turdling whoring for dollars?  ..The Social Network sucked,..and he won for that!

    Award bought and paid for by Hollywood Left Elite. Sickening.  Can’t wait to see what words he puts in poor Steve Jobs mouth. Then again I can.

  • Capo Regime

    Salesforce?  Goodness how people will buy anything.  Great hustle and drive to make so much from such a worthless time wasting electronic rolodex and employee monitoring system.  Now think how much he would have made with a useful product.  See its not about writing headlines or search for truth, you can actually make a lot more money developing some bullshit like salesforce than say educating people, growing crops or other humanly usefuland essential functions.   Wow, imagine if everybody did what this guy did?  Who would mop floors and take care of our kids?  We would all be super gazzillionairs!  

    • Gonzalo Gandia

      What the hell are you saying? This is the worse written paragraph in the history of thoughtless rambles!! Dude, Capo my man, get your thoughts together and think things out before you start to write…it seems like you tried to put a couple of pages of thoughts into one senseless paragraph!

  • Capo Regime

    I like your philosophical work better as well as your various and sundry confessionals.  Its kinda a painful when you are blowing people who made a lot of money.   There are other remarkable people doing great things that don;t involve a lot of money.  I think you did not work with the guy as he is a self absorbed prick. 

  • http://www.shoot-4-success.com/ Mike

    The daily practice really does work. The proof that you provide continues to motivate me and others to continue with it to become in synch. Being in alignment is essential. If a car is out of alignment bigger and more costly issues are around the corner. Such is our personal lives. Great stuff James

  • http://twitter.com/pllyde Phillip L Lyde, M.Ed

    Good perspective on the subject! I might not be as crazy (or lofty) as I sometimes convince myself during times of instant gratification :-) 

  • 4thaugust1932

    “Business owners and investors use systems, rather than their time, to generate income.” –Robert Kiyosaki
     

    • YC

      True and wrong at the same time, he was talking generly which is true. But you cannot say this to some people. These people creat the system and it is rather time consuming and slow. By the way those kind of people dont do it for the income. Income is always there and there are simple systems which you can use to make it larger. This is my thought, every man is differant so if i achive this is right for me but it may not be for you.

  • Srikrishna

    Super article. I wish James has a post for people like me, whom he calls idea sluts. I come up with new ideas almost every 2 days, ideas to help a struggling political party, ideas to help my neighborhood mom and store in increasing their sales, idea of a self publishing website, Idea for a treasure hunt novel ( 10% completed and stuck). 

    James! is there a way to prioritize and work on one idea at a time? I tried TDP way, like giving 1 hour for each idea everyday day ( 4 ideas 4 hours allocated), but some times one idea overwhelms and sometimes other, basically not able to stick to 1 hr for idea. Some times I read something which has profound impact and all day I will be thinking about it, example I read your post on daily scams, I could discover 3 or 4 scams. Is there an end to this madness :-)

    • CF_Pro

      Here is a tip.  Focus on ideas that cater to all your strengths and experience and do not require a whole lot of money to prototype.  Once you found a winner, surround yourself with people that have different strengths that allow you to focus on your goals. (ie: lawyer, business guy)

  • http://www.streetsmartmarketing.com.au/ business consulting

    Thanks a lot for the share. very informative post.

  • vox

    James, what skills are in the most demand for the web, social media, etc.? I assume that all the best people are self-taught like you, even if they have formal training through a degree and so forth.

    • CoedK

      Trust me! The web is practically based on C++, CSS, PHP, etc. Learn those languages first and then get experience in the field! I think there is actually a site now where you can search for things like this, I believe it starts with a g and ends with an e.

  • Eric

    Congrats James!
    Nice exit for you too I’m guessing… $1m-$2m??

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  • http://dnga.net/ Alan Borcic

    Fear is holding us back for sure. 
    Great story James

  • http://www.academia-research.com/ jobs writing

    Good work.

  • http://twitter.com/ClaytonMwaka The WiseEntrepreneur

    Inspirational and informative. In my opinion creative thinking, identifying and taking advantage of opportunities seem to work together. Of course you cannot forget a good risk appetite and also a good team.

  • Scott

    Another great post James, thank you again. And congrats to you as well for being an early investor.

  • http://www.incion.com/ professional web design

    Excellent article, great structure for learning

  • sonali joshi

    Hi,

    Great post thanks for info!

    Find Running Buddies

  • Kamile Ko

    I believe that the real succes to create corporation, is to follow advices from succesful business persons. I do so, and I believe that it is my secret of sucess- Agne

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    Monthly income …………

    SOME ANSWERED FAQS (Frequently Asked Questions)
    We have 1 simple form for you to fill out to apply for a loan. fill it out and email it to me. The application covers the below 2 topics.
    * Credit authorization* Borrower information*
    1. What is the interest rate? The interest rate depends upon the project. The rate is 3% interest only annual interest rate payable monthly.
    2. Does my credit matter? No
    3. Where do you loan? We loan Worldwide
    4. How long does it take to fund? After submitting the Loan Application, you can expect a preliminary answer less than 24 hours and funding within 72-96 hours of receiving the information we need from you.
    5. How much will my payments be? That will be calculated for you and sent to you in a repayment schedule along with the loan terms.

    We gladly awaits your swift response,Warm Regards,
    Announcement Chief Executive Officer(MD)
    Mr. Andy Hookson

  • Dr. Elveka (MD)

    …Hello,

    Welcome To (WWW.World Federal Credit Solution Company PLC)..(C.W.C.F.O) !!!

    This is Mr Andy Hookson from http://WWW.World Federal Credit Solution Company PLC, We are private loan company who gives life time opportunity loans. Do you need an urgent loan to clear your debts or you need a capital loan to improve your business? Well have you been rejected by banks and other financial agencies? Do you need a consolidation loan or a mortgage? search no more as we are here to make all your financial problems a thing of the past. We loan funds out to individuals in need of financial assistance, that have a bad credit or in need of money to pay bills,to invest on business at a rate of 2.5%.We want to use this medium to inform you that we render reliable and beneficiary assistance and will be willing to offer you a loan of your desire.So email us today on: http://www.worldfederalcreditsolution@gmail.com !!!!…we only offer out-in: Dollars,Pounds,Euro, only Contact us Today With These !!!

    First Necessary Information

    Name and surname ………
    Personal phone number …………
    Country ……………..
    Address :……………
    State…………..
    Age ………………
    Sex …………………………..
    Have you paid into the …………….
    Marital Status………………………….
    Have You Applied Before ………….
    Duration of loans……………….
    Do you speak English ?………..
    Purpose of loan …………..
    Occupation …………….
    Monthly income …………

    SOME ANSWERED FAQS (Frequently Asked Questions)
    We have 1 simple form for you to fill out to apply for a loan. fill it out and email it to me. The application covers the below 2 topics.
    * Credit authorization* Borrower information*
    1. What is the interest rate? The interest rate depends upon the project. The rate is 3% interest only annual interest rate payable monthly.
    2. Does my credit matter? No
    3. Where do you loan? We loan Worldwide
    4. How long does it take to fund? After submitting the Loan Application, you can expect a preliminary answer less than 24 hours and funding within 72-96 hours of receiving the information we need from you.
    5. How much will my payments be? That will be calculated for you and sent to you in a repayment schedule along with the loan terms.

    We gladly awaits your swift response,Warm Regards,
    Announcement Chief Executive Officer(MD)
    Mr. Andy Hookson

  • YC

    Funny how people talk and give advice but the cant do it themselves. (any topic, randomly) This is why they never can or will it. Its not about knowing how to add 2 and 2 then get the number 4, its the infinite amount of number between them you have to understand and add to the equation. No man will ever follow unless they see it as it is no man shall achieve if they cannot show.