A BILLIONAIRE told me how to make BILLION DOLLARS...here's my plan...
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- Опубликовано: 3 окт 2024
- Want to SCALE your business? Go here: www.acquisitio...
Want to START a business? Go here: skool.com/games
If you’re new to my channel, my name is Alex Hormozi. I’m the founder and managing partner of Acquisition.com. It’s a family office, which is just a formal way of saying we invest our own money into companies. Our 10 portfolio companies bring in over $200,000,000+ per year. Our ownership stake varies between 20% and 100% of them. Given this is a YT channel, and anyone can claim anything, I’ll give you some stuff you can google to verify below.
How I got here…
21: Graduated Vanderbilt in 3 years Magna Cum Laude, and took a fancy consulting job.
23 yrs old: Left my fancy consulting job to start a business (a gym).
24 yrs old: Opened 5 gym locations.
26 yrs old: Closed down 6th gym. Lost everything.
26 yrs old: Got back to launching gyms (launched 33). Then, lost everything for a 2nd time.
26 yrs old: In desperation, started licensing model as a hail mary. It worked.
27 yrs old: "Gym Launch" does $3M profit the next 6 months. Then $17M profit next 12 months.
28 yrs old: Started Prestige Labs. $20M the first year.
29 yrs old: Launched ALAN, a software company for agencies to work leads for customers. Scaled to $1.7mmo within 6 months.
31 yrs old: Sold 75% of UseAlan to a strategic buyer in an all stock deal.
31 yrs old: Sold 66% of Gym Launch & Prestige Labs at $46.2M valuation in all-cash deal to American Pacific Group. (you can google it)
31 yrs old: Started our family office Acquisition.com. We invest and scale companies using the $42M in distributions we had taken + the cash from the $46.2M exit.
32 yrs old: Started making free content showing how we grow companies to make real business education accessible to everyone (and) to attract business owners to invest or scale their businesses.
34 yrs old: I became co-owner of Skool.com to help the many people who want to start a business online do so.
Today: Our portfolio now does $200M/yr between 10 companies. The largest doing $100M/yr the smallest doing $5M per year. Our ownership varies between 20% and 100% ownership of the companies. Many of them we invested in early and helped grow (which is how we make our money - not youtube videos).
To all the gladiators in the arena, we’re all in the middle of writing our own stories. The worse the monsters, the more epic the story.
You either get an epic outcome or an epic story. Both mean you win.
Keep crushing. May your desires be greater than your obstacles.
Never quit,
Alex
FULL DISCLOSURE
I make content to make money - just - on a longer time horizon than most. I want to build trust with business owners so we can find the best ones and help them scale. And if they’re awesome, write them a check and go all the way as partners.
![NOSFERATU - Official Trailer [HD] - Only In Theaters December 25](http://i.ytimg.com/vi/nulvWqYUM8k/mqdefault.jpg)
Great Video. I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $450k gains within months, I'm really just confused at this point.
Please who is this consultant ?
"One of the biggest things that gets in the way of excellence is good enough" Well said!
100%👌🏽👌🏽
Read the book 'Good to Great'. 👍
"One of the biggest things that gets in the way of excellence is good enough"
What is MVP.
it's almost always better to have something that's really good with integrity put it out in front of people in a way that will uplift them regardless of whether they buy or not and then see what happens and make adjustments
@@AlexHormozi - it's not true Alex, what is MVP.
It almost feels illegal to have videos with these many gems 💎 this channel is already massive! I’m very grateful for every piece of content you have shared thus far. 🙏🏾
The Caption captured me, the content kept me, your honesty caused me to like and subscribe...Thank you sir. Now I will see what else you have to share.
“I’m not selling you anything”
*pause video*
*subscribed*
😂💯
I did the same
Propably you didnt see the description first
same
If they aren't trying to sell you a product, you are the product.
Also another really solid video. My first year as a Millionaire & I'm learning so much
The whole superstar thing is what i needed to hear
loool its you! the catch a cheater guy!
@@LifeLessonsWithLuis Looks like u have some superstars already!!! Impressive vids!!!
Congrats!!!!
Congrats bro
This is gold man. Thank you for sharing. Been following you since way back when you were selling just "challenge" packages to gyms. Watching your growth is super inspiring, you don't need to share any of this yet you do. This is the differentiator between the YT bs and real-life advice. As a person beginning that journey now, i truly thank you.
Great video Alex, thanks for letting us inside your conversation!
“Get to a billion by not trying to get to a billion” sounds like something Elon would do 😂
lol exactly. It’s about the mission
Started watching you right as I started my Business back in November 6 Months ago, now grossing 50K a month in revenue. Let’s get it!
Dope!
Hard to believe without a great investment,
... but congratulations!
What's your business about bro?
What kind of business?
@@ritasjourney yeh, really... right Rita?
The secret to success is to declare what you want, then be responsible for that declaration.
A billionaire told me how to be a drug dealer and open legitimate businesses and hire a good accountant. He also said I should donate money to both political parties so I can look like a good boy.
lol
Sounds like you learned from the farm.
That's my boy
@KU invest lol
sounds like jayz
Being a citizen of Palestine, life is hard here and I want to build something for my children so they don't have to be through all I have been through! Thanks for your time!
Best of luck brother
You got this brother.
never hand wealth to your children. Make them earn it.
@@virgilkirschner5717 You seem to fail in the role of a father. Teach them so they can take what they are given and make it grow.
Your best bet is to move to Israel.
Such an incredible video. The knowledge in this video blew my mind open. Think about it, at the beginning of a business owner, we are chasing money because we need it to pay for our livelihood, but then you reach a new level within the pyramid, you're confidence goes up, anxiety spikes cause you want to conquer. But in order to hit a billion in revenue then it's a different framework it's mainly about providing the opportunity for superstars = intrapreneurs and give them the chance to rise above and earn the credibility they desire. Take car of them and they can take care of you.
That’s it in a nutshell. Stops being about us.
Great life lesson really
Of course Matt 2 suscriptors 😂
Thanks Alex for sharing the wisdom you pick up along the way. It makes sense now why you have so many followers. ❤
I subscribed the second you said "I have nothing to sell you"
Raw stuff bro 💯 thank you ❤️
⬆️⬆️ ᵗᵉˡˡ ᵐᵃˣ ⁱ ʳᵉᶠᶠᵉʳʳᵉᵈ ʸᵒᵘ ᶠᵒʳ ˢᵒᵐᵉᵗʰⁱⁿᵍ ⁿᵉʷ
The information that you and your wife put out is gold! My wife and I are both entrepreneurs and your channels have been an invaluable asset to our small business.
I love your openness Dude, ZUUKSMINER I will stick with you till things happen and I BECOME A MULTI DOLLAR MILLIONAIRE
You become one yet?
Did you ?
"We are all 3 hires away from all the growth we've ever wanted..." Love it
Easy to say. Hard to do.
This quote really stood out to me in this video. I feel like the price of wisdom of 3 superstars. Someone for acquisition , someone for fulfillment , and someone for operations + the philosophical notion that a buisness shouldn’t have profit = the essential wisdom of many hours of problem solving and pain the entrepreneurial journey brings. This channel is crazy valuable.
Some of the best information on the internet today! Thank you for this!!
I might not be a billionaire but one thing I know for certain is that investments can literally serve as a major factor in helping anybody become one, especially the financial markets.
Affirmative the financial markets has been helping so many around the world in attaining financial freedom and to grow wealth, I'm also a big beneficiary of its lucrativeness specifically stocks. As a matter of fact my newly built home was totally funded from my incomes and hopefully with the markets currently in a more benign and sanguine state I'm trying to achieve a hallmark of $400,000 in my portfolio before the holidays
I am also well invested into various stocks etfs, crypto, the foreign exchange markets and real estates. This month I just made my first million at 31 and I'm already planning to retire, I don't think I'll be needing much of the 9 - 5 again not when my investments already guarantees me location/financial freedom and it also enables me to spend more quality time with my family, currently I'm passively accumulating over $45k monthly
@@loismacfarlane937 Jesus Christ that is fat profits if I was making about such I'd probably not have to work all this extra years, you should never give up on your dreams of becoming your own boss. Practically with a million dollars and proper research you literally would have several opportunities being presented to you that can bring about more incomes and it is a very good thing you still have age on side there's no way you can possibly go back poor with that amount of money unless you're a wreck less fellow, albeit what amuses me is how you have been able to balance trading and the 9 - 5 all through the years, not almost every investor can literally assert about generating profits in the market that's pretty astounding
@@ernstfriedrich8489 Most times when I share how easily my portfolio's been handled to my colleagues at work they think tirelessly trying to analyze it but the earnest truth is I don't even place any of my own trades, I just earn and that's because all my investments affairs are fully being handled by a fiduciary and it has been a very prosperous partnership. I invest with Noud Mikan a licensed expert trader and risk analyst he offers me financial advise and also he trades for me in the markets too, his proficiency and experience has been the reasons why losses continually remains alleviated and I consistently gain profits. I'm forever grateful to Noud because he has been playing a major role in helping me craft my portfolio and to grow my wealth
You can as well check him up on the web by searching his name for his bio page and then you can easily contact him from there on
Happy I found your channel man. From what I've seen you speak more to the "advanced" level internet business audience, maybe some brick and mortars as well. Anyway your content is just different than everyone else's. I've consumed a lot of Sam and Beckers stuff. Currently in Sam's mastermind. There comes a point where you consume so much of one person that you kinda know what they're gonna say before you hear them say it. I just discovered you and I'm looking forward to getting to that level of familiarity with your content
@Azathoth Hastur I'd suspect he's talking about Sam Ovens
@@viralmessagelab ME 2 😀
Whooo tha fuck is that guy 😲
this was great, thank you for sharing. Subbed (and liked)
Appreciated 🙏🏼
same
How is this video great? It’s all common sense. You need money to make money, nah duh. The problem with people is that nobody got money to make money. Give me just one million dollars, I bet u I can make that into 100 million and then hit that billion dollars within 10 years . The real mvp is people who is making broke people millionaires..
@@minalim5649 did you listen to the part about finding superstars? Those superstars can be your peers that you start a venture with and make some money doing so
@@matrinoxtm ain’t no superstar wants to be my partner cause I’m broke dude. Ain’t got friends or families that is rich. I’m a broke super star though, got all of the ideas to make money buy got no money to start out with. That’s how life is when u grow up in poverty. All of my hard working money goes to bills. I guess I’m in the wrong channel cause it seems like this channel is only for the rich.
Steve Martin: First you start with a billion dollars.
I can’t believe this was free, I honestly have felt like I wasn’t growing because I wasn’t being greedy enough but I see now that I may just need to continue to bring people on board to fill the void of what I don’t know 🔥 insane! Thank you!
Your videos are on another level. My bro sent me your video about staying focused and how not drinking can greatly improve your productivity.
Greatful for you making these videos! 🙏
The world does need leadership like yours and for the vail to be lifted in the ways you provide. Makes everything seem more tangible and concrete.
Thank you Mark 🙏🏼🙏🏼
Your best video yet man
Thank you Alex
No problem. Thank you ✊🏽
Another great video Alex!
I’ve been watching your videos for a few months now.
I know that you said the drive to making money has diminished and the want to help others with videos like these has increased..
Just know that the videos you are making ARE truly helping people. And I can tell you don’t hold anything back.
I’ve spent 2-3 hours taking notes and pondering the ideas from this video alone, and it was time very well spent because it literally changed my outlook on business, investments, and even the direction of the next 10 years in my life.
This advice is literally worth BILLIONS if applied correctly.
I appreciate you taking the time to make these videos. You really are changing lives man!
Appreciate you taking the time to leave a comment Michael. Doing my best to share what I know.
Totally agreed
Yes!
Awesome video! Thank you!
Dude, thank you for this(and your other) content. Just passed year 10 of my biz, and it's so nice to hear context of someone whose further along on the journey.
So humble and transparent! Thank you for sharing this valuable information, there are not many great A players out there and the ones that are truly there for your business doing the work deserve great rewards. Leilas videos are so helpful for me too, thank you guys so much and keep inspiring us!
Trusting your superstars and giving them control, consider yourself the dumbest person in the room is the key to be more near to be some a billionaire
As an HR person, I was impressed to hear what Alex and his secret billionaire mentor think about superstar employees such as A players who are the key to growing any business. This is rarely understood by CEOs and simply they let best people go which is heartbreaking sometimes. Great topic and revelation and my next topic video. Thanks, Alex!
8:44
Businesses don’t naturally make profit. The natural state of a business is to break even (people pay for exactly what the product/service costs).
It takes manipulation/inflation of the value of the product in the consumers eyes (through marketing/branding/psychology/strategy/trademark) to sell something for more than it costs.
To sell something at a high margin is not natural, it takes massive amounts energy from outside the system.
Sometimes the energy is already in the marketplace and you don’t have to input as much as the entrepreneur (through your frameworks) but nonetheless the energy is required.
In physics it would be like creating matter from nothing (energy).
You are creating value that doesn’t actually exist and taking it off the top as profit.
Which is why it’s so important to charge for what people will pay for and not based off of what it costs. And (especially if it’s the right market where the value is already inflated beyond the costs) you can get people to pay for the value (energy) that you create through the frameworks you have in place.
Alex, your understanding of entrepreneurship, of business & business growth is phenomenal!! The key lessons that you've learned over the years & your willingness to learn, have allowed to you to achieve such amazing success! You are next level!! And the fact that you share that with us is just a blessing to the rest of us. Thank-you Alex!!!
One of your videos from three years ago was recommended to me after watching many current videos, and to see your growth in overall presence in the past three years is amazing. Great content brother, keep it up and thanks for the free advice. I’m in the process of growing a non-profit and outdoor brand, and all of this is still applicable and great advice. Thank you!
BRO THIS VIDEO IS FREE !?!?!
Plus there is way more videos in the Channel as well
There is something nuanced about learning from people "ahead of you". There are different tools needed at different levels but also different things work for different people because of what you can be consistent with is different.
Wow, I never seen you or heard of You before , but You honesty and knowledge and application was incredible.
Thank you so much for making this channel Alex. It's amazing to stumble across someone talking about how to scale much further. It is frustrating making a badass business, but getting stuck at a certain level.
Ideas and knowledge. Entrepreneur has an Idea. Surrounded yourself with people that have the knowledge to make your idea reality. Two different mindsets. Steve Job's had an Idea and Steve Wozniak applied the knowledge. Each step taken acquired a superstar with the knowledge to make the next idea a reality.
Check out million toke. Seems like a good community
@@reviewmaster4136 million toke?
Very eye-opening. Time to start my search for superstars!
Taking notes in charge of acquisition delivery deliver on promises and one on operations
Proves that there is “never enough,” money.
Thank you for sharing Billion Dollar ideas
I watch many self-help, entrepreneur based channels. This is the first video i've ever seen of yours and i stayed more focused on this one than i have any other video. Appreciate the rawness and just conversational aspect of the video. nothing fancy, nothing to show up, just telling us about a conversation you had. Love it, subscribed. Now I will begin scrolling through your videos!
This great video came across while getting ready for my 2nd interview, took notes and the points relate to anybody at any stage of personal and career development. Thanks for sharing 🙏🏻
Been a stock trader for a few years now and this what you should know:
it's not a get rich quick field, there is lots of learning and most often you'll learn from mistakes, so trade a little bit large today and thank me later
Yeah you're right and i do really think it's not possible for a beginner to make good profit on stocks without the guidance of an expert, today i am pretty successful in stock trading because of the amazing trading strategy of my portfolio manager. she made me my first million
Hi, I am a beginner, I think I still have a lot to learn. i will be glad to know the name of your expert.
MORLEY PERCY.
WOW , The same here it’s been four months now I started investing with MORLEY PERCY and it’s been a very wonderful experience
oh that's great. how do i reach her
Bro, thanks for sharing. I love these candid convos you're having here sharing what you're learning. 🙏🏻
Gold right!?
Just documenting the stuff I find so I don’t forgetnit
@@AlexHormozi Amen
We’re all 3 good hires away from huge growth 🤯 Thanks Alex!
💯
Never heard someone use STUCK and a MILLION in the same sentence. Lol and you said 30. Priceless content.
I think you mean below 8% cap rate cuz that’s already high and usually a sign of a bad building in a bad area
Thanks 4 being so Kool!
I brought your book 100m offers too!
Definitely got me thinking differently! Like puff to the moon!
Price’s law, square root of members in an organization do a majority of the work. Teach this to everyone I know and people just shrug it off
Funny you used Doors and frames as an example…..
I’m trying to grow my Door, Frame and Hardware business from the ground up.
I’m currently a one man show , on the lookout for some superstars.
Great content brutha ✌🏽
I asked a billionaire the same question about "how to become a millionaire" and the told me:
First at all you have to wake up at 04:30 in the morning, do your bed, exercise, lower your cholesterol, eat healthy, change your habits, have a purpose in your life and make decitions, keep your job...be a part time entrepreneur and come see me next year.
That happened last week, see you guys next year 😁😆
Okay ow, that’s awesome
I wish u good health and luck so u make it great till next year.
If you say so......
Basically he gave you the "here chew on this for a bit" answer
4:30am.....I am out....It is OK, I am not trying to be a billionaire, or even a millionaire.
I think your videos are not that explosion cuz you really say solid things, like strats and plans, and not everyone really want to go for it as they say they want. I confess that sometimes i get my self with one of your videos opened for days as tab on chrome, till i get the courage to really pay atention and watch it. Some really gold tips on your channel, thank you from Brazil!
Alex! This is the best business advice I’ve ever heard! As a business owner and sales leader I have heard a lot… but this puts the cake on the mountain for achieving multi dimensional wealth. Thank you. Love. Blessings.
Appreciated Cory
Trying to take the family business from 2 million to 10 million over the next two years. I will be following your awesome advice 👍
Thank you. I’m 37 going on 15 years of zero work experience because I’m caring for a disabled wife and 3 disabled kids. Realistic videos like this give me some hope.
Geez, that's a rough hand. Break through, my guy. You're gonna be a real hero when you get there.
I know it can be really stressful to start a business on top of everything that's on your plate, but you can do it! The best thing to do is just start
I'm seeing this in how I design the equity process for my own startup. I think what Alex is saying for how you do well is you treat people really well and you show that in how you handle the pay process.
It seems to me the business capped out for the billionaire because there was no driving factor for the front-line workers to push that next stage of growth for the company.
If you treat people really well, then they go ham for you and trust you implicitly. If you act suspicious of them, then you get the drifters. Trust them, empower them, and reward them, and it would seem everything should go fine.
Also, if you run out of equity, go start a startup and address more people's problems. This world has plenty of them to go around.
I own a window cleaning business and just created a full time Sales position. Your content has been Very informative, yet easy to comprehend. Thanks for your humility in all that you do!
Ty Jarred. Trying my best
I feel like you really respect the integrity and intelligence of your viewers!
Most valuable video I’ve seen all year.
Thank you Steven
I don’t think I’ve ever watched a single RUclips video with more value than this one brings! Incredible, thank you so much for sharing this!
summarize for me
🧢
That answer at the end really makes sense, sometimes the resistance is what holds you back. Another great one. Thanks Alex!!
Ty Bri!
So to get to a billion he basically followed Zig Ziglar's advice "In order to get what you want you have to help enough other people get what they want." by doing the profit sharing. Also getting out of the way is a key thing I imagine.
I know why I’d share this information (if I had it prior) freely…. Why do you share this gold SO liberally? Seriously, thank you. But I’m just wondering 🙏
Fair question - shortest answer: When money provides little marginal utility and you get more fulfillment from sharing.
@@AlexHormozi Thanks for sharing...
The harder you work, the lucker you get.
In the words of the great Jim Rohn “you can have anything you want in this life if you can just help enough people get what they want”
Great video thanks for sharing! Some really great advice and food for thought!
@Danny Marshall You’re right!
I read that in his voice haha
I would have had to pay for these lessons with YEARS of my life. Thank you for giving that time back to me. I have bookmarked this video.
You have to give to receive, so you can reap what you sow.
Concept that most don't realize and ignore.
💯
Just picked up your audible book 100m offer. Great video and keep it up. At 14 min or so you say he won't do under 8% cap rate but the context is he would not want to risk higher 8% cap rate. I get your point on lower cap rate less risk just seem to me like said both (don't touch less 8% and then stay away from higher 8%) sorry if that makes no sense. All in all sweet book and video got my attention on what I will be implementing
I never gotten so much value out of just one channel !
I’m happy to hear it
This is the only place I have found that deals with information on issues that I am currently dealing with. All of the other sites are "how to get rich if you have nothing, start here" types of sites. You are talking about things that only the people that are in the thick of moving businesses to the next level talk about. Thank you, thank you, thank you!!!
Wow, imagine being able to casually say: "Hey man, I've been stuck on making $30 million a year" and asking for help.
Bro that is craazyyy, I like it.
Holy hell this was valuable. I wish I had more to say but what you said in this is making me completely rethink my hiring strategy for my business. Thank you.
Thanks so much for doing these videos bro! You are such an inspiration to me in my life. Please, keep it up.
Appreciate it Braxton. Ty. 🙏🏼🙏🏼
The thought process that went into this video to help provide value and keep viewers is actually incredible 👏🏿🙏🏿🙏🏿. Amazing video 🔥
"advanced people are advanced because they never don't do the basics" - Love this
I know this guy
Awesome video. The candor is the best part. Hope we meet someday when I make my first mil. 🤙
How have you leveraged incentives? Similar or different ways?
We do a combo of bonuses on company and individual performance.
Not really looking to make a billion dollars...at my age I haven't the time. But this video held my attention and I learned a lot. Subbed and bell ticked. Thank you Mr. Hormozi.
⬆️⬆️ ᵗᵉˡˡ ᵐᵃˣ ⁱ ʳᵉᶠᶠᵉʳʳᵉᵈ ʸᵒᵘ ᶠᵒʳ ˢᵒᵐᵉᵗʰⁱⁿᵍ ⁿᵉʷ
Thank you brother for sharing your knowledge.
💯
Thanks for sharing this man!!! If you have more convos with billionaires please let us know!
Always appreciate the value Alex cheers
Thank you Bronson. Doing my best
Did anyone else noticed the stack of hundred dollar bills at the bottom left corner? I was writing down each book so I myself can read and happened to notice it. To whoever reads this, hope you are doing wonderful.
Asset that can make you rich
Bitcoin
Stocks
Real estate
You’re right sir, it’s obvious a lot of people remain poor due to ignorance, it’s better to take risks and make sacrifices than to remain poor
@@maybelhack8270 It’s not ignorance but due to some unprofessional broker in the market
I’m from Spain I have been an investor in the crypto market for over 2 years now
Now is the best time to purchase and invest in bitcoin, stop procrastinating!!
Obviously trading in bitcoin is very volatile and risky to trade that’s the reason most traders trade with a company
This was gold man! Thanks for sharing. Loving your 100 million dollar book too, its. Gold mine of knowledge.
Gold. 🙏
Thanks Eric. Appreciated.
First time watching, instant subscriber. The level of content in this one video is insane.
Good stuff. I don't really have any plans or need to become particularly rich, but it is interesting to see how growth is driven in companies.
@Donald Gaffney I have already slowed down to a couple hours per month, in fact. I plan on working again, but this time I don't have to worry about making a profit.
@Donald Gaffney It's human nature to want to work.
3 super stars:
The client getter: new deals
The operator: execution and production
The control: legal and rules
GROW THE FKING PIE
also, if you're still open to video ideas. I was curious how your core values have adapted and evolved as you've grown over the years. also, what are some "lottery" type purchases a lot of business owners make without realizing that could be avoided?
Can u clarify into a single question?
@@AlexHormozi sorry two seperate questions.
1. as curious how your core values have adapted and evolved as you've grown over the years
2.what are some "lottery" type purchases a lot of business owners make without realizing that could be avoided?
The way you talk and convey wisdom is super easy to understand for me, thank you
“The way you become a billionaire is to stop trying to become a billionaire”
🤯👏
Deep shit
Interest payments on interest creating imaginary money is why our economy will never stabilize.
Straight FIRE man. Thank you so much for posting all of these phenomenal videos.. One small bit of feedback - your editor doesn't need to keep doing these distracting jump cuts and zooming in and out.. Your content stands strong alone and those things don't keep us engaged, your content does that in and of itself. Cheers!
You'd be surprised Alex will come and say one day he edited his own Videos for the sake of learning Man. I trust this guy too much.
INVESTING MAKE UP THE TOP-NOTCH HEMISPHERE OF WEALTH, THAT IS MORE REASON ONE SHOULD SAVE AND INVEST TO SECURE MORE PROFIT AND ENSURE SUCCESS..
how do I reach him please?
I have heard about Exp Norwood Bryan as a
good broker.
WhatsApp 🖕🖕🖕🖕
Te le gr am: @Norwood_forex
The coronavirus global pandemic shut many institutions from functioning