African Billionaire Patrice Motsepe Invests In Digital Bank

South Africa’s first black billionaire Patrice Motsepe has reportedly invested in TymeDigital, an online lender that has recently been awarded an operating license by the South African Reserve Bank.

African Rainbow Capital (ARC), an investment firm founded by Patrice Motsepe, recently acquired a 10% stake in TymeDigital, which is a subsidiary of the Commonwealth Bank of Australia, one of the world’s largest banks.

Chairman of African Rainbow Minerals Patrice Motsepe addresses the Co-Chairs press conference on the second day of the World Economic Forum meeting on Africa, entitled, ‘Then and now: Reimagining Africa’s Future’ in Cape Town on June 4, 2015. This meeting focusses on Africa’s role in the world economy. RODGER BOSCH/AFP/Getty Images)

TymeDigital represents the first fresh banking license issued by the South African Reserve Bank since 1999. The company aims to launch a full-service digital bank to serve emerging middle-class consumers and under-serviced small and micro businesses. Even though TymeDigital will not have physical branches, it will create points of presence through a 10-year partnership with retail giant Pick n Pay. The bank hopes to be operational by the second quarter of 2018.

Patrice Motsepe, founder of mining company African Rainbow Minerals, has a net worth of $1.68 billion according the Forbes Real Time Ranking.

Follow me on Twitter @MfonobongNsehe.

I previously worked as a reporter for Business Daily, Kenya’s largest business newspaper. Now I travel across Africa, helping FORBES track the richest people on the continent and telling their stories. I also chronicle the stories of successful African enterprises and the en…

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Sellers At Strong Area Of Interest On AUD/NZD?

Taking another shot on AUD/NZD, playing my short bias but this time at a better price. Bears to return at a major resistance area?

Sellers At Strong Area Of Interest On AUD/NZD?


As I mentioned in my trade review of my last AUD/NZD short attempt, I’m still bearish on the pair for fundamental reasons that I talked about in my last trade idea, but also on recent comments from both the Australia and New Zealand’s central banks.

For those who want to read a recap of those recent comments from the RBA and RBNZ, you can read a full recap by my friend, Forex Gump. But to keep it short for this post, it looks like that both are leaning more towards rate hikes than cuts, but it’s also highly unlikely that those monetary policy changes any time soon, probably not until the end of 2019 or beyond.

With monetary policy likely to stay neutral for the foreseeable future, I think back to the recent weak Aussie data to maintain my bearish AUD/NZD bias, and why I’m looking at this technical setup to hop back in.

On the daily chart above, we can see that 1.0900 has been an area of major interest, first as support in 2017, and now strong resistance in the last couple of months. We can also see a bearish candle pattern has emerged a couple of days ago in the form of a quasi-evening star pattern, and when combined with stochastic indicating potentially overbought conditions, this is probably a signal a lot of technical traders may act on.

With the fundies and price action lined up, I’m going to take another shot at AUD/NZD for a position play, or one that may likely take a month or two to develop as we’re in the Summer months and the economic calendar isn’t too heavy in the month of July for both Australia and New Zealand.

I’m setting my orders here just above market for a slightly better price, and my stop will be one weekly ATR to give the trade room to breathe. My target will be the last major support area that drew in buyers through all of 2016 and 2017. Here’s what I’m doing:

Short half position AUD/NZD at 1.0900, max stop at 1.1050, max target at 1.0500

l’ll be risking only 0.5% of my account on this position and with this setup, I have a roughly 2.67:1 potential return-on-risk. Both Australia and New Zealand have important inflation and employment data coming up later in the month, so dependent on those events, I may adjust early to reduce risk or maximize gains if the situation makes sense.

Stay tuned and as always, remember to never risk more than 1% of a trading account on any single trade. Adjust position sizes accordingly. Create your own ideas and don’t simply follow what I do.

Turn Positive Thinking to Positive Results!

Being successful, whether it’s in trading, business, or even in parenting, takes a lot of personal development.

You are continually tested by your surroundings (the forex market, your employees or coworkers, your children), and how you react before, during and after these challenges all play part in your success.

As currency traders, we all have those days or weeks when things just don’t go our way. Our losses are overshadowing our wins, and we can’t seem to consistently win. We start to wonder if we can ever make any “real” money and if our goals of becoming a full-time forex trader will ever be realized.

“Why did I ever get into forex trading? It’s nothing but a stress builder and a gigantic head ache. Who am I kidding? I think my hair is falling out!”

If you’ve been feeling this way and are asking yourself some of the same questions, it’s time to sit down and work on your positive thinking.

Any successful forex trader will tell you that he has made the mental decision to be as positive as possible in thinking, acting and doing, and that having a positive mind is critical in overcoming the setbacks brought on by trading.

Of course, as much as positive thinking and the Law of Attraction can put you in the right direction, it’s not enough to guarantee positive results. So what do you need to do next? Here are a few tips:

1. Begin the day on a positive note.

Start off the morning by looking at yourself in the mirror and saying “I’m good enough, I’m smart enough, and gosh darn it, people LIKE me!” And say it just like Stuart Smiley from Saturday Night Live… with enthusiasm!
No really, promoting yourself to YOU is a great first step in the right direction.

It helps you get in the right mindset, and helps you to start your day thinking positive thoughts. If looking in a mirror scares you, I’m sorry…try just saying it out loud to yourself.

2. Shake off the negative vibes.
Take note of your negative thoughts and understand that only you can change them. Once you start ridding yourself of those thoughts, you are thinking positively, while also creating a positive attitude.

The market has its ups and downs. Your trading will have the same. Loses are inevitable. They happen to everyone.

Think and visualize yourself as a successful trader. Imagine only positive results. Imagine the wealth you’ve created and the lifestyle it affords you. This type of thinking will help reinforce the ideas that first led you to the currency market and motivate you to stick with it.

3. Bring on the positivity!
Another easy method to assist you in becoming a positive thinker is to surround yourself with a positive environment. This can be your work space or the people around you. The world is filled with doubters and people who want to “help” you by destroying your dreams or shooting you out of the sky.

Make it easier on YOU by surrounding yourself with other positive thinkers who reassure and support your forex trading. And liven up your trading space so it’s inviting and makes you want to be there. Maybe it’s time to replace this crusty keyboard?

4. Spread the good vibes
Help yourself by being a positive talker to others and about yourself. Speaking positively fills your head with positive thoughts and ideas. Negative self-talk only helps to hinder your potential as a trader and keeps you from growing.

Do your best to welcome the currency market’s obstacles and view them as your opportunities for profits and success. Dealing with these obstacles will only help you to create a better trading experience.

Small changes in the way you think about yourself, think about others and think about trading will go a long way in your overall success as a trader.

While positive thinking doesn’t necessarily guarantee success, it puts you in the mindset you need to help you win your trades. And in the cutthroat jungle that is forex trading, you’ll need every advantage you can get.

How to Make Money Trading Forex

In the forex market, you buy or sell currencies.

Placing a trade in the foreign exchange market is simple: the mechanics of a trade are very similar to those found in other markets (like the stock market), so if you have any experience in trading, you should be able to pick it up pretty quickly.

How To Make Money Trading ForexThe object of forex trading is to exchange one currency for another in the expectation that the price will change.

More specifically, that the currency you bought will increase in value compared to the one you sold.


Trader’s Action EUR USD
You purchase 10,000 euros at the EUR/USD exchange rate of 1.1800 +10,000 -11,800*
Two weeks later, you exchange your 10,000 euros back into U.S. dollar at the exchange rate of 1.2500 -10,000 +12,500**
You earn a profit of $700 0 +700

*EUR 10,000 x 1.18 = US $11,800
** EUR 10,000 x 1.25 = US $12,500

An exchange rate is simply the ratio of one currency valued against another currency.

For example, the USD/CHF exchange rate indicates how many U.S. dollars can purchase one Swiss franc, or how many Swiss francs you need to buy one U.S. dollar.

How to Read a Forex Quote

Currencies are always quoted in pairs, such as GBP/USD or USD/JPY. The reason they are quoted in pairs is because, in every foreign exchange transaction, you are simultaneously buying one currency and selling another.

Here is an example of a foreign exchange rate for the British pound versus the U.S. dollar:

GBP/USD forex quote
The first listed currency to the left of the slash (“/”) is known as the base currency (in this example, the British pound), while the second one on the right is called the counter or quote currency (in this example, the U.S. dollar).

When buying, the exchange rate tells you how much you have to pay in units of the quote currency to buy one unit of the base currency. In the example above, you have to pay 1.51258 U.S. dollars to buy 1 British pound.

When selling, the exchange rate tells you how many units of the quote currency you get for selling one unit of the base currency.

In the example above, you will receive 1.51258 U.S. dollars when you sell 1 British pound.

The base currency is the “basis” for the buy or the sell. If you buy EUR/USD this simply means that you are buying the base currency and simultaneously selling the quote currency. In caveman talk, “buy EUR, sell USD.”

  • You would buy the pair if you believe the base currency will appreciate (gain value) relative to the quote currency.
  • You would sell the pair if you think the base currency will depreciate (lose value) relative to the quote currency.


First, you should determine whether you want to buy or sell.

If you want to buy (which actually means buy the base currency and sell the quote currency), you want the base currency to rise in value and then you would sell it back at a higher price.

In trader’s talk, this is called “going long” or taking a “long position.” Just remember: long = buy.

If you want to sell (which actually means sell the base currency and buy the quote currency), you want the base currency to fall in value and then you would buy it back at a lower price.

This is called “going short” or taking a “short position”. Just remember: short = sell.

How to make money trading forex by going long and short at the same time.

“I’m long AND short.”

The Bid, Ask and Spread

All forex quotes are quoted with two prices: the bid and ask. For the most part, the bidis lower than the ask price.

EUR/USD forex quote

The bid is the price at which your broker is willing to buy the base currency in exchange for the quote currency. This means the bid is the best available price at which you (the trader) will sell to the market.

The ask is the price at which your broker will sell the base currency in exchange for the quote currency. This means the ask price is the best available price at which you will buy from the market. Another word for ask is the offer price.

The difference between the bid and the ask price is popularly known as the SPREAD.

On the EUR/USD quote above, the bid price is 1.34568 and the ask price is 1.34588. Look at how this broker makes it so easy for you to trade away your money.

  • If you want to sell EUR, you click “Sell” and you will sell euros at 1.34568.
  • If you want to buy EUR, you click “Buy” and you will buy euros at 1.34588.

Here’s an illustration that puts together everything we’ve covered in this lesson:


Bitcoin has seen phenomenal growth in popularity and value over the last decade. Despite this, Bitcoin is still considered to be in its early stages according to the vision set out by its creator’s.

As well as being an alternative currency for the purchase of goods and services, Bitcoin has also become an instrument for traders looking to make large returns and grow their accounts. Its rapid price increases and volatility have only bolstered that and is even drawing in individuals who have never traded before. Bitcoin has the potential to become a new major world currency and people are investing their money on the hope that it will.

Of course, whether Bitcoin becomes the ‘future of money’ or not isn’t the be all and end all for well-informed traders. Bitcoin certainly has some impressive technology behind it; however, the top priority for traders is simply to profit from its price movements. Traders can look to profit from Bitcoin if it succeeds or if it fails, either way, strong trends are bound to occur.

Where can you trade Bitcoin?

There are basically 2 main options you have for this as a Bitcoin trader, they are:

1 – Cryptocurrency exchange

2 – Online Forex broker

At a cryptocurrency exchange, you will buy and sell actual Bitcoins whereas through a forex broker you will trade a Bitcoin CFD (contract for difference).

I believe that online forex brokers are the best option for trading Bitcoin and will cover this today. I will outline the differences between the two and my reasons for this judgment.

Advantages of trading Bitcoin with a forex broker

Regulation – Reputable forex brokers are fully regulated so you know they have to operate responsibly and with professionalism. They will keep your funds in segregated bank accounts so they are always protected. Cryptocurrency exchanges, on the other hand, are completely unregulated. If a cryptocurrency exchange goes bust or closes down the protection you have may be very limited

Simplicity – This is a big one for me. Setting up a cryptocurrency account and getting started trading is certainly a complicated process, there’s no doubt about that. First, you will need to find an exchange that accepts residents from the country you are from. You then need to find a way to deposit funds into that account, which can be surprisingly difficult. I’ve even heard in some cases that traders will open a new bank account just so they can make deposits into their cryptocurrency exchange account.

What you will find with most traders that use cryptocurrency exchanges is that they have multiple accounts with different exchanges. They then use each account for different reasons. One could be for deposits, one for buying Bitcoin, one for margin trading, and one for short trades and so on.

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It’s a totally different story trading Bitcoin with an online forex broker. You can set up an account in minutes if you do not have one already. You can then deposit funds into your account using your preferred currency and any Bitcoin trades you make will be automatically settled back into your chosen currency.


Hidden fees and charges – This leads on nicely from the topic before. With an online forex broker, it’s free to open an account, free to deposit/withdraw your funds and there are no commissions Bitcoin trades. Your only expense when trading Bitcoin through a forex broker is the spread. This makes it much easier for a trader to manage their money and keep track of their expenses.

When using a cryptocurrency exchange there seem to be fees involved every step of the way. You will often pay fees depositing into your account, fees withdrawing, fees exchanging currencies, fees purchasing Bitcoin, fees transferring Bitcoin and commissions on trades. All these different fees can be costly and make keeping track of your expenses a complicated and time-consuming process.

Professional tools and platforms – Trading Bitcoin through an online forex broker will give you access to professional tools and platforms like the award-winning MetaTrader platforms. MetaTrader 4 and 5 allow traders to apply all different kinds of indicators and analysis tools helping to enhance your performance. They also allow you to trade directly from the Bitcoin charts.

The charting tools available on many cryptocurrency exchanges are lower quality with traders often using the exchanges only to place their trades. They will then use separate platforms for their charting and analysis requirements.

Maximum opportunities – Again trading through a cryptocurrency exchange can be complicated if you have certain requirements. Not all cryptocurrency exchanges will allow shorting and some will not provide leverage or margin.

When trading Bitcoin with a forex broker you have access to leverage and margin allowing you to trade at the size you want. You can also trade both long and short on Bitcoin trades enabling you to capture trends in either direction. If you are already a forex trader, staying with a forex broker allows you to keep all your funds in one place and monitor both your forex and Bitcoin trades at the same time.

Cryptocurrency Exchange VS Forex Broker Overview

What the future holds for Bitcoin nobody knows. What we do know is that it’s more than likely going to be eventful. Whether Bitcoin sees further success or eventual failure, opportunities will arise for traders no matter where they decide to trade it. If you are looking to use Bitcoin for purchasing goods and services then this is a different situation to what we’ve covered today. When it comes specifically to Bitcoin trading, I do feel that overall forex brokers currently provide the best, easiest and safest option.



NDAMOES NFI is one of most South Africa’s best forex traders Today, he is the CEO of NDAMOES Forex Institute, one of South Africa’s best forex dealers and truly outstanding in forex training Based in Limpopo(Venda), Ndamoes at that point immediately indented accomplishment in the stock trading system diversion. Ndamoes recognizes that venture is risky, yet he figures that with the correct outlook and a bit of preparing in what to search for in the business sectors, anybody can do it. Subsequent to vanquishing the speculation world, Ndamoes established the NDAMOES Forex Institute with the point of preparing for hindered youthful South Africans to get to learning that could impel them out of destitution.

According to Ndamoes, he hails from a foundation where a considerable measure of dark individuals lead less-favored lives without circumstances. This is the motivation behind why Ndamoes has been a good example to the jobless individuals who are attempting to squeeze out a living. The NDAMOES Forex Institute is the main organization in Limpopo that gives remote trade preparing is more dependable and a method for making work and entrepreneurial open doors for youthful people.”Why not?” Ndamoes dependably say that social media “Get rich or die trying.”

he took in the intricate details of business keen and how to utilize dismissal as additional inspiration. Ndamoes needed to begin concentrating more on forex to keep his business going . Ndamoes says in a nation like South Africa, with high joblessness yet a solid feeling of enterprise and normal business intelligence, individuals ought to be urged to take after their premonitions and go out on a limb when they have the correct learning and capacity.

and novices hoping to attempt their fortunes at investing.Humble in his prosperity, Ndamoes says he is only a man who saw an open door and took a risk. Anybody, he says, can do it. Why Not??




Forex Trading in South Africa

South Africa is the beacon of hope for the African continent, and the world at large. It is a multicultural melting pot bustling with diversity and with economic activity. As Africa’s powerhouse, FX trading is high on the agenda for South African traders. The global FX market is currently worth an estimated $5 trillion per day, and South Africa certainly chips in with their share of the currency trading market. A large global network of buyers and sellers engages in FX trades on a daily basis. FX traders have increasingly sought out South Africa as one of their preferred currency trading destinations, what with fundamental economic strength, and a huge domestic economy. South Africa is considered an emerging market economy, and part of the BRICS (Brazil Russia, India, China, and South Africa) countries. It is a developing nation, with incredible potential on an economic front. SA traders face a unique set of regulations when it comes to FX trading, different to those in effect in Europe, Australia, Asia and beyond.

The South African Revenue Services (SARS) and SA Regulations


Until recently, South Africans were limited to R4 million for the establishment of offshore accounts and R1 million when it comes to trading currency pairs. When regulations changed in 2010, both these allowances – stipends – were altered to allow South Africans to trade R5 million combined. This is the total investment amount that South African currency traders are allowed in FX markets. This indicates that Forex regulations are steadily changing in South Africa, and with the allowance being combined in this manner we can expect more in the near future. South African Forex traders who operate businesses are also viewed in a more favourable light when it comes to the South African Reserve Bank. In South Africa, Forex trading is regulated by the Financial Services Board, otherwise known as the FSB. The Financial Advisory and Intermediary Services oversee all activities of Forex brokers in the country.

Currency Pairs Trading in South Africa


The total number of currency pairs (major, minor, and exotic pairs) available to traders in South Africa typically ranges from 30 – 50. Of course, this depends on the FX broker in question. South African Forex brokers vary in terms of quality, spreads, and pairs available for trade. Be advised that there is no one-size-fits-all policy when it comes to FX brokerages in South Africa. You may be partial to trading the USD/ZAR, GBP/ZAR, JPY/ZAR or the EUR/ZAR currency pair, depending on your particular bent. Several ranking Forex brokers now operate in South Africa, including the following: Plus500, and EasyMarkets. These brokerages offer SA Forex traders generous bonuses, often with no deposit required. It’s important to read top Forex broker reviews in South Africa to find out whether they are regulated by the FSB, and what types of forex and related trading services they offer. Avoid brokerages with high spreads, as these indicate large profit potential for the brokers, and not for the traders. Low spread brokerages are preferred.


ZAR Volatility is Increasing


Other important aspects to consider with top brokerages like, Trade360 and CMTrading include the overall level of customer service, segregation of trader accounts from brokerage accounts, and the ease and accessibility of the online trading platform. A variety of technical and analytical tools is available at the leading SA Forex brokers online. In any event, it is important to read trusted reviews of South African Forex brokerages to ensure that you have vetted them correctly. All Forex trading is inherently risky, and traders should be apprised of the benefits and pitfalls of trading currency pairs in the international arena. Remember that the ZAR (South African rand) is regarded as an exotic currency. This means that it is one of the least traded pairs on the market, and is generally illiquid by global standards. Fortunately, there has been a significant increase in the number of Forex traders over the years and this has contributed to increased volatility which is essential to generating profit off the ZAR and other currencies.

How to Trade Bitcoins Without Using The Actual Money

Cryptocurrencies are causing a global stir and have proven to be a more serious pursuit than Pokemon Go, minting legions millionaires and billionaires. So you want in on the action and reckon you’ll take your chances in the choppy waters of crypto trading.

You’ve gotten yourself studied up on Technical Analysis and have learned all the terminology (you’re saying things like Exponential Moving Average, Bollinger bands, head-and-shoulders patterns etc.) and you’re ready to dive in and get your ‘buy low, sell high’ on. Not so fast Gordon Gecko, you might want to sharpen your skills first. You know, to make sure you don’t get in the game and get bullied by the bears.

How do you get the necessary practice in? Well if you don’t want the crypto big boys wiping the sidewalk with you, you need to get yourself a trading simulator. Here are a few simulators you can check out.




Coins2Learn offers a safe and free simulator teaches you how to exchange Bitcoin and altcoins to improve your trading abilities, without risking real money.Trading through a simulator enables you to gain valuable experience and confidence trading cryptocurrencies without the risk of going bust.

Coins2Learn also offer you a chance to compete with other traders in a global league, for the chance to win actual Bitcoin.




BitcoinHero is a free Bitcoin game/simulator for those who want to learn how to trade Bitcoin and other cryptocurrencies without any risk. You can also change the bet and leverage, thus managing the potential profit size. Buy or sell Bitcoin, ETH, LTC, and Dash at their actual prices!



CryptoGround features a beginner’s guide and news tab in addition to offering a simulator. The simulator is currently being revamped to offer a better trading experience but you can still test your mettle on the old one


That covers your desktop trading practice. For those who want to steal a moment of practice while waiting for the Gautrain, there are mobile obtions available. Namely: CryptoTrader, Cryptocurrency Exchange Simulator, and CryptoMarketGame, which mimic actual exchange layouts and use historical price charts so you’ll be trading against a coins actual historical price movements.


Get as much practice as you can before diving in with real value. Hone your strategy on a simulator and you have less chance of getting yourself spanked when you enter the markets. Happy trading.




The New 2018 Mandela Coin


The South African Mint, a subsidiary of the South African Reserve Bank (Sarb) announced the launch of two new limited edition coins which pay tribute to struggle icon and former president, Nelson Mandela. The new 2018 Mandela Coin.

The new coins serve as a commemoration of Mandela’s legacy and what he stood for during the Apartheid era.

Notably, 2018 marks exactly a century since the birth of Mandela and the Mint aims to celebrate this milestone.

The two coins are visibly different in appearance, the one coin being bronze while the other is sterling silver.

The R50 bronze coin also depicts Mandela in his youth as a young lawyer while the R50 sterling silver coin portrays him as SA’s first democratic President.


Pricing of The New 2018 Mandela Coin

The bronze alloy coin is priced at R127 and tells its own tale, says Tumi Tsehlo, MD, South African Mint.

“Pricing the coin was a conscious tribute to Nelson Mandela’s legacy and our way of paying it forward. To celebrate 100 years since the birth of Mandela, and in remembrance of the 27 long and lonely years, he spent in prison, the entry-level bronze alloy coin is priced at R127.

With every coin purchased, R27 (VAT-free) will be donated to the Nelson Mandela Foundation”.

Notably, the two coins are also the second installation in the “Celebrating South Africa” theme. The first installation being the 2017 OR Tambo Centenary range.

According to the SA Mint, the series serves to educate individuals on SA’s struggle icons.

“South Africans must never forget her heroes who stood up and against injustice and inequality to usher a new era of freedom and democracy. We hope their stories will continue to be told and heard every time someone holds a Madiba or Tambo commemorative coin,” adds Tsehlo.

“Collectability is a function of craftsmanship, quality and theme amongst other personal preferences. The Mandela series no doubt ticks all the boxes and will be an amazing addition to any collection, not only because of its design but also because of the enduring value of the theme.”

The coins can be purchased for the South African Mint’s retail store in Centurion, Elegance Jewellers in Melrose Arch and various pop-up stores in malls around South Africa.

Tselo added that they will be announcing new products in the Mandela Centenary range.

Where can you buy and sell Mandela Coins in South Africa

Source: IOL


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