Cosdef Group LTD

26/01/2024

I recently had a conversation with a Cameroonian in the UK, and during our chat, she mentioned that she had been living there for over 10 years. She reached out to get my perspective on a few topics, and we ended up discussing on things like how to make , build wealth, and achieve financial freedom, particularly for those aged 40 and above.

In the midst of our talk, I asked her, "I assume in the last 10 years you've been in the UK, you've sent money back home to family and friends?"

"Yes," she replied.

I then inquired, "Of the money you've sent in the last 10 years, what percentage was intentionally directed towards wealth creation or wealth-building activities?" I added, "Many people in the diaspora mainly send money home for consumption and to solve family problems."

"Truth be told, all the money I've sent back home has been for consumption and family problems, as you said," she acknowledged.

I further asked, "Do you have any income-generating investments in the UK? This could be real estate, stocks, shares, online passive income etc."

"No," she responded.

Then I asked, "On a scale of 1 to 10, how would you rate your savings account?"

She laughed and said, "2, or maybe 1."

We both laughed about it.

Next, I asked, "Have you really considered intentionally investing back home in businesses or other wealth-building ventures?"

"No," she said.

I explained, "I know that many people like you in the diaspora often lack confidence in investing in countries like Cameroon and other African nations. This could be due to a lack of trust, negative stories you've heard, or the perception that the country is plagued with problems. However, thousands of businesses in these same countries are thriving, generating hundreds of thousands and millions in monthly income. I can say this confidently because as a consultant across the African market, I see this daily. It's your responsibility to find the right people to work with."

I continued, "You see, 1,000 pounds is just that in the UK, but in Cameroon, it's 750,000 XAF, and in Nigeria, it's one million Naira. 2,000 pounds may seem modest, but in many African countries, it's significant startup or scale-up capital for an SME."

"You're right," she agreed.

I advised her, "Imagine this possibility: you identify legal, well-structured, and well-managed SMEs in Cameroon, Nigeria, or another African country. These businesses are also looking for financial partners. You partner with them, sign the necessary documentation, and work with the right legal stakeholders to protect your investment actions. By doing so, you move beyond merely sending money back home for consumption and family problems. Instead, you invest in small businesses that, over the next 10 years, could become top players in the economy. You'll not only be a major stakeholder, but you'll also receive annual dividends from your investment. Yes, there are challenges in every business, but committed people focus on overcoming them to build a future." - Dr. Javnyuy Joybert

"Truth is, I've never looked at it this way," she admitted.....if you are interested to invest in a proven SME in Cameroon and really serious send an email to [email protected]. We have great businesses you can invest in and be part of growing profitable SMEs.

I suggested, "Also consider this: in developed nations like the UK, USA, and Canada, there are legitimate and financially regulated apps that allow you to buy stocks in companies like Facebook, Amazon, Microsoft, and Tesla, among others. You can even start with just 100 pounds. It's worth exploring. Start small, gain exposure, and experience it for yourself. You can buy stocks for 100 pounds and resell them after two weeks to get practical experience. Research apps like Fidelity Spire, Plus500, and Saxo Markets, and educate yourself further on these options."

To you reading this, continuing to handle finances passively or being unwilling to take risks, no matter how small or big, will keep you trapped in financial stagnation. Anyone who has risen financially has, at some point, taken significant steps to achieve that success.

In summary, this is the take home lessons from this long chat;
1. Expatriates often send money home primarily for consumption and family needs, not wealth building.
2. Intentional investment in home countries can significantly amplify wealth creation.
3. A small amount in developed countries can be substantial startup capital in African nations.

4. Partnering with well-managed SMEs in Africa can yield high returns and dividends.
5. Overcoming challenges is key to successful business investments.
6. Financial apps in developed countries offer accessible investment opportunities in major .
7. Taking risks and being proactive are essential for financial growth and breaking out of poverty.

Cheers

Keep building your life and your .

Dr. Javnyuy Joybert

25/01/2024

A young man recently asked me, "How can I ensure that by the age of 40 or in the next 10 years, I have a system or asset that builds for me? I'm passionate about my work as a nurse but don't want to become an entrepreneur."

Among many other things I could tell him, I decided to tell him to plan and start doing the following 3;

- Land Banking: This involves buying land in areas likely to increase in value. The goal is to resell the land later at a higher price. Repeat the process. This approach is particularly effective in regions undergoing development or urbanization.

- Real Estate Development: Another option is to purchase land and develop it into residential or commercial properties. These can then be rented out or sold. Although this can be capital-intensive, many real estate firms in Cameroon and other African countries now welcome investors to join their projects. It's important to research and find a legitimate firm to partner with.

- Investing in Startups and SMEs: Small businesses and startups that seem insignificant today will grow into major company players by 2030-2035. Look for startups and SMEs with a solid structure, at least four years of operation, and a proven track record. They don't have to be perfect, but should have strong leadership, skills, and a clear vision.

If you're serious about this path, I can guide you towards credible startups and SMEs worth considering. You can reach out to me at [email protected] with your interest in investing in startups or SMEs. Please do not send me an email if you are not really serious to take action.

As a potential investor, it's crucial to conduct thorough research and due diligence before committing your funds. Diversifying your investments across these options can also help mitigate risks.

Remember, the key to building wealth is not just working hard but also making smart investment choices that align with your goals and risk tolerance.

What excites me about the world of investing is the wealth of knowledge and experience it offers. As you navigate through different investments, you gain insights that not only enhance your financial acumen but also pave the way for substantial wealth growth.

Keep winning.

Cheers

Dr. Javnyuy Joybert

23/01/2024

Have you heard of Ronald Wayne? He lost $95 billion.

What happened?

In business and technology, patience is not just a virtue it's often the foundation of immense wealth and success. This is illustrated in the story of Ronald Wayne, a name that may not ring as loudly as Steve Jobs or Steve Wozniak, but is nevertheless integral to the genesis of one of today's tech titan: Apple Inc.

Ronald Wayne, alongside Jobs and Wozniak, co-founded Apple Computer, Inc. in 1976. He was not just a bystander in the company's early days; his contributions were substantial, including designing the first Apple logo and drafting the original partnership agreement.

However, 12 days after the company's inception, Wayne made a decision that would become one of the most significant missed opportunities in the history of business. He sold his 10% share in Apple for a mere $800.

Fast forward to the present day, and Apple has metamorphosed into a technological powerhouse with a market value exceeding trillions. The 10% stake that Wayne relinquished would now be worth over $95 billion, a sum that would position him among the wealthiest individuals on the planet.

Moreover, Apple shares have yielded an astronomical total return of approximately 50,720% over the past two decades, exemplifying the extraordinary potential of early investment in groundbreaking companies.

Wayne's story is not just a tale of financial misfortune; it's a powerful lesson in the value of patience and belief in the potential of nascent enterprises. His early belief in Apple was crucial, providing the fledgling company with necessary funding. Yet, his impatience and lack of foresight deprived him of a legacy in technology that could have been unparalleled.

Reflecting on this, it's important to consider the startups and entrepreneurs that surround you today. Many dismiss these early-stage ventures, doubting their future impact. However, it's essential to remember that today's small startups could be tomorrow's industry leaders. Investing in these startups is not just a financial decision; it's a vote of confidence in innovation and progress.

If you are thinking of of investing in growing businesses, particularly in sectors like education, finance, or technology, I can connect you with a business to invest in. Email me [email protected]. I am talking about startups that have been operational and profitable for at least four years are seeking investments to scale their operations.

With a minimum investment requirement of 5 million XAF, you could be part of a venture poised for significant growth. Such investments not only offer potential financial returns but also the opportunity to contribute to the development of your wealth.

The story of Ronald Wayne and Apple serves as a reminder of the importance of patience, belief in innovation, and the foresight to recognize and support potential. Aspiring investors should take this lesson to heart, considering how their decisions today could shape the landscape of business and wealth creation in the years to come.

Cheers

Dr. Javnyuy Joybert

31/12/2023

24 Codes for Living For Young People in 2024

1. If you are above 25, broke with no growing career or business you are trying to build and you spend most of your time partying & watching movies, wake up in 2024.

2. If by 2024, you are 30 and above and you have not realized no one is coming to save you, then you need to wake up. It is grace to receive help and not a right.

3. In 2024, say 'NO' to anyone who wants to involve you in non productive activities that will only drain your energy and increase distractions and steal your focus.

4. In 2024, know that some people are 'investments' and some are 'expenses'. Identify them and w**d some out before they spend your life away.

5. Set standards and boundaries in 2024 so that people cannot manipulate. This will cause some friendships to end. Well, if they end and you rise it is great.

6. Overcome comparison and jealousy and choose to be inspired and learn from those people. Comparison and jealousy will lead to witchcraft and seeking to learn will lead to greatness.

7. To change your financial life in 2024, learn a high income skill and pay the price to get valuable information and you will never be poor again.

8. Never forget this. Quitters never win and winners never quit. Build and maintain your resilient power even in the midst of pain and difficulties. That is how you will win. - Javnyuy Joybert

9. Embrace continuous learning; knowledge is power. Stay curious and invest in your education to remain relevant and adaptable in a rapidly changing world. Weak mental intelligence can destroy your destiny. Change that in 2024.

10. Cultivate a strong work ethic. Hard work, dedication, and perseverance are key ingredients to success. Keep pushing even when it gets tough. Nothing can replace a strong work ethic and not even technology. You need it to harness tech.

11. Practice gratitude daily. Focusing on what you have, not what you lack, fosters happiness and attracts more positive experiences. Enjoy every moment of life in 2024. - Javnyuy Joybert

12. Build meaningful relationships. Surround yourself with people who uplift and support you. Quality connections are more valuable than quantity. Opportunities that will change your life will come through people in 2024. Pay attention.

13. Prioritize your mental and physical health. Regular exercise, a balanced diet, and mental wellness practices are essential for a fulfilling life. You are useless when you are dead.

14. Take responsibility for your actions. Owning up to mistakes and learning from them is a sign of maturity and growth. In 2024, be mature. Stop running from your mistakes. Repent!

15. Be kind and compassionate. Treat others as you want to be treated. Kindness is a universal language that opens doors and hearts. Nothing beats this. Pride and arrogance will destroy any young person. - Javnyuy Joybert

16. Stay true to your values and beliefs. Integrity is the cornerstone of respect and trust in both personal and professional relationships. You see those values you learned from your parents growing up, they will keep you away from trouble in 2024.

17. Embrace change and be adaptable. The only constant in life is change; being flexible helps you navigate life's ups and downs more smoothly. You are not a tree, so move. Change can be scary but it will change your life in 2024.

18. Seek mentorship and guidance. Learning from others' experiences accelerates your growth and helps avoid common pitfalls. What I took 5 years to learn and achieve, my mentees can do in less. In 2024, get a mentor if you do not have one. If you have one, take the relationship seriously.

19. Never stop dreaming. Your dreams are the blueprint for your future. Aim high, stay focused, and believe in yourself. I always say, your dream is the raw material God will use to partner with you to build the incredible you want. Dream!!! - Javnyuy Joybert

20. Embrace failure as a teacher. Do not run or fear failure in 2024. Every failure is a step closer to success. It's not about how many times you fall, but how you rise and use those lessons from the failure to build a better life.

21. Explore the world around you. Travel, even if locally. Exposure to different cultures and environments broadens your perspective and fosters intelligence. Go on google now and search countries that are visa free to your country, check the flight cost, check the hotel cost of that country etc and plan to travel. Try to enter plane...

22. Question everything. Never accept information at face value. Critical thinking leads to deeper understanding and informed decisions. If you lack this, you will destroy your own destiny someday. You will sign a document that will lead to your doom. Use that brain of yours.

23. Innovate and create. Don’t just consume; contribute creatively. Whether it’s art, technology, or ideas, your unique creations can inspire and influence. Consumers never change the world. Consumers never build wealth. Become a creator. Start small. You are reading this because I am a creator and not just a consumer.

24. Foster a global mindset. This is critical. Think beyond your immediate environment. Understanding global issues and cultures prepares you for a connected world. Go to Youtube and watch certain videos about the global landscape. It helps you know where the world is going and how you can adapt. Break that village mindset.

Cheers to a greater year 2024.

Dr. Javnyuy Joybert

31/12/2023

Do not let 2023's mistakes and hurts control your 2024 actions.

Forgive that person.

Let go of that hurt.

Forgive yourself for the failures you experienced due to your own actions.

That person who stabbed you in the back in 2023, let it go and face your 2024.

Whatever happened in 2023, heal now before tomorrow.

It will help you focus and shine brighter in 2024.

Is it a deal? Okay, go ahead and do it.

Cheers

Dr. Javnyuy Joybert

31/12/2023

Lori Greiner invested $200,000 in Scrub Daddy when founder Aaron Krause appeared on Shark Tank in 2012. Her $200,000 investment has now made her over $50,000,000

Current Net Worth
Scrub Daddy $300M
Aaron Krause $100M
Lori Greiner $150M

This is why I love investing.

💰

31/12/2023

Someone needs to listen to this before New Year https://youtu.be/V52JsnvZ6LU?si=X7nRM0lLzCKGUH2P

Breaking Bad Habits/Routines: Break From What is Holding You Back by Dr. Javnyuy Joybert🌟 Welcome to Dr. Joybert's Wisdom Hub! 🌟Dive into a world where Mon...

30/12/2023

What income producing action will take in 2024 to take your financial to the next level?

30/12/2023

"Each time you feel that your life is not experiencing growth, take your thermometer & check your boldness & risk taking level"
Javnyuy Joybert

30/12/2023

Before you start shouting 2024 is my year…

Also make sure you are ready to double your level of commitment to what you do and you have developed your ability to be productive.

Amen

Javnyuy Joybert

25/12/2023

Born to us, a child leads with love and light.

Given Son, our guide in business, day and night.

On His shoulders, governance, in our ventures, His wisdom reigns.

Wonderful Counselor, in decisions, His counsel sustains.

Mighty God, empowering our entrepreneurial might.

Everlasting Father, our enduring insight.

Prince of Peace, in our work, His harmony we embrace."

Scripture reference from where I wrote this Christmas message for entrepreneurs: Isaiah 9:6

Merry Christmas people.

The Javnyuys