WalletWise, Lagos (2026)

09/06/2017

"13 Tips on How to Deliver a Pitch Investors Simply
Can't Turn Down" (Part 2)
__Be laser-focused.
Many of you asked me this week to say a bit more
about "pitching," including what the word really means.
For an entrepreneur, a "pitch" is what you say and
present to potential investors to market yourself, your
idea and your business concept -- not just to inspire
them to invest, but to rush to be first in the queue!
Like I said before, our great reality shows on Kwesé
Inc are now the best place for African entrepreneurs to
see and hear from the best of the best in the world on
this topic... and also watch people who "fail" to get
investment (which is the majority). You can learn a lot
from them, too!
Today though, in response to your requests, let me
share the first of three parts of an excellent article
from Entrepreneur magazine, written by Neil Patel, a
young entrepreneur who gave me permission to
republish it (remember the importance of intellectual
property). It's called: "13 Tips on How to Deliver a
Pitch Investors Simply Can't Turn Down." Today I'll
share #1 thru #4.
I urge you to study and discuss each of these tips with
your friends. You can also use them to assess the
pitches and business approaches made by others on
Kwesé Inc shows like Shark Tank, Adventure Capitalist
and The Profit, because it will help you understand
what it takes to secure funding from investors, when
you get your chance. It's important not to treat such
shows as mere entertainment because they're there to
help you sharpen your skills!
Neil Patel's "13 Tips" are excellent, and I will republish
them all. But let me give you the most important tip of
all: Securing funding from investors who require you to
make a pitch, is won or lost long before you arrive to
make your pitch!
__It's going to be decided by the PREPARATIONS you
make in the months and weeks leading up to that
pitch.
In his article, Neil writes:
"Your pitch is the single thing that could either get
your business off the ground or plunge your idea into
eternal oblivion. It matters.
The rule of thumb for investors is that for every 100
investments they make, only 10 will go big.
Let me take that rule of thumb a step further. For
every 1,000 pitches an investor hears, he or she will
fund only 100 of them. Statistically, the odds for
success are not great. You can beat the statistics,
however, by crafting a pitch that turns heads and gets
funded.
What are the ingredients of an ultra-compelling,
irresistible, outstanding, and unforgettable pitch?
1. Take only ten minutes.
Timing is critical. The less time your pitch takes, the
better.
A brilliant idea means nothing unless you can distill it
to a few moments of sheer power. The more concise
you can be, the more effective you will be. Here are a
few timing pointers:
# If you say that you’ll take “only X minutes,” then take
at least one minute less.
# If you are told, “You only have X minutes to pitch,”
then take at least five minutes less.
# If you say, “One last thing” or something similar, then
make sure it’s truly the
one last thing.
# Move at a good pace. Don’t rush at the end.
# If you’re using slides, don’t get stuck on one slide for
more than three minutes.
Here’s the great thing about taking ten minutes. If the
investors are really interested, they’ll ask questions. If
they’re not interested, then you will have saved them
(and yourself) some time.
2. Turn your pitch into a story.
Storytelling is a scientifically-proven way to capture a
listener’s attention and hold it. Besides, it makes your
pitch unforgettable.
Investors are bored with spreadsheets, valuations and
numbers. If they want that information, they can get it.
What you can offer that no term sheet can convey is
the story and pathos behind your startup. Everyone
loves a good story, even the most data-driven investor.
So, tell your story and tell it right. You're bound to gain
attention, and the funding will follow.
3. Be laser-focused.
Investors' time is their most valuable asset. If you
convey a respect for their time, they will interpret that
respect as your ability to treat their funding with
respect.
Because time is important, you need to develop an
absolute focus on the core components of your pitch.
What are those core components? They're detailed in
the following tips.
4. Explain EXACTLY what your product or service is.
Show your potential investors a picture of, or give them
the actual product to handle.
Be careful not to drone endlessly on about your
product. Honestly, investors don’t really care about
your product as much as they care about the money
that your product will make. The sooner you get to the
good stuff -- the money -- the better. . ."
To be continued. . .
Image credit: Nature Picture Library. African fish eagle,
Chobe River, Botswana.Copied

28/05/2017

The Return of the
__Shhh! Don't be an amateur!

Many years ago I was on a flight, and sitting there I listened to two guys in front of me speaking in hushed tones. As I listened carefully, I realized they were from a competitor company discussing a very interesting opportunity that I had not heard about! Wow!

As soon as I got off the plane I did two things: First of all, I moved in quickly and took over that deal from right under their nose. To this day, they don't know what happened! No regrets on my part, those were fools!

Second, I told my people, never, ever, open your mouth about what we are doing in public. Don't discuss business issues whilst on the phone in public, and don't sit next to each other on the plane or bus!

It never ceases to surprise me how careless people are about what they are doing. Some just do it to boast, and those ones I won't talk about here! (We don't have the boastful type on this platform.)

When I was a graduate student at university, one of my engineering professors asked me to help him on a criminal court case where he was an "expert witness." We had to set up an experiment to demonstrate that a person who claimed to have overheard a confession could not possibly have heard it from where they were. It was a very technical sound engineering experiment at the time. Through that work I learnt not to say too much in public...!

Actually a good entrepreneur does not talk about what they are "planning to do" before the business reaches the customer. If you must, talk about what you have "already done." Otherwise keep quiet.

This is a principle I try to use all the time. When you get into serious business, your competitors are constantly studying what you are saying or doing. It's not just a question of being accidentally eavesdropped by the guy sitting behind or in front of you on a plane...

And don't make the mistake of assuming certain people are harmless by observing the way they're dressed, or even their age, or gender. You can make a deadly mistake through thinking someone is not important!

There are also detractors who, whilst not being an actual competitor, are consumed by what can best be described as a "spirit of jealousy" and will go out of their way to destroy or impede the work of others, even though there's no gain for them. It's part of life, so don't give them the ammunition they need.

Some time ago, I wrote a series about how you protect your plans, and Intellectual Property (IP), including ideas and inventions. Go back to it, and study it carefully.

Even on this platform, please avoid giving details about what you are "planning" or "thinking" about, without taking adequate measures to protect it in the professional manner. Don't send or publish business plans to people.

It is like leaving your wallet on a counter in a bar!

End.

10/03/2017

What is your mindset when you see a challenge?
__Always look for the "game changer" (Part 2).
Remember what I've written before about the
importance of having the right mindset? Always looking
for the game changer... that's a mindset, too!
When we were planning to set up Kwesé TV, I asked
an expert what he thought would be one of our biggest
challenges.
"Getting licenses to operate in all these countries," he
said. "Maybe we have to go to court again?"
"No, we're not going to court on this one. No need," I
said emphatically. "We will operate where we have
licenses and use the YouTube solution elsewhere."
"YouTube solution?" he asked.
"Does YouTube need a license for their TV services on
the Internet?"
"No."
"So you mean if we offered the service, through an
App, we won't need a license?" This sounded
interesting.
"Well, if it's like YouTube, the only way they can stop
us is to shut down the whole Internet."
"I see. Can we develop an App like WhatsApp?"
"How many people in Africa watch YouTube?" I asked
my team.
"Almost 20m."
"I wouldn't mind a TV service across Africa, with 20m
customers," I retorted. "This might be the game
changer we need. Let's offer our service using an App,
and let people download like YouTube."
# What is your mindset when you see a challenge?
Immediately, I got a team to start developing the
Kwesé App. You download it just like WhatsApp, and
you can watch anything, just like on YouTube! The
Kwesé App has been downloaded in almost every
African country. Every day, thousands are downloading
this App.
Now I know some of you will say to me, "But data is so
expensive!"
"Don't worry, when we started cell phones it used to be
$3/minute. It will always come down."
But if I were to answer you as an entrepreneur, rather
than as a customer, I would say: "What an opportunity
for you!"
# What is your mindset when you see a challenge?
Some young guys came to see me from a West African
country, and told me they want to build WIFI hotspots
to enable people to watch Kwesé TV, using the Kwesé
App!
"Do you have a business model for it?" I asked.
"Yes, sir!"
"Wow!"
"Can I invest?!"
Mobile operators are now lowering their data tariffs so
they can cash in on the Kwesé App. It has happened in
Rwanda after just one month. Watch what will happen
over the next two years across Africa! People will
forget that they ever watched TV on a big screen.
# What is your mindset when you see a challenge?
A friend of mine called me to say he was watching
Kwesé TV in Nigeria, on a big screen in his house!
"How?!" I asked surprised. We are not yet in Nigeria.
"Some guy bought decoders in Ghana and sold me
one," he laughed. "This is Nigeria, my friend. People
are already making money on this Kwesé of yours!"
I laughed, too. Our decoders are probably selling at
Ikeja Market, and many other markets across this
beautiful continent of ours. Be smart but don't break
the law!
# We are a continent of entrepreneurs!
About my $10,000 competition a few weeks ago, you
will find the winner in the Kwese.Com website. (Shhh,
let everyone discover for themselves!) And if you didn't
win, study what I said and wait for the next
competition. Thanks for participating.
Enjoy!

05/03/2017

What do you do that is different?
__Always look for the "game changer" (Part 1).
There is a story told in the legend of modern business
about a young man who liked reading books. He would
order books by mail order, but being a very avid reader
he found that it took too long for the books to arrive.
So what did he do? He sat down and designed a new
way to get books delivered in the shortest time
possible.
His process for ordering and delivering books has
turned him into one of the richest people in the world.
That young man is Jeff Bezos of Amazon, and he's
now worth over $50bn.
Sometimes the "game changer" comes from the way
you deliver your service to the customer!
As an entrepreneur, one of the keys to your success is
your continuous search for something that sets you
apart, even if you're in the same business as others.
Some of the things that you do don't have to be
technological or highly sophisticated -- just different!
And smart!
# What do you do that is different?
It reminds me of a guy who owned a small butcher
shop just out of town from where I grew up. Whenever
I drove past his shop I noticed there were always a lot
of "men" milling around. So, being curious, I stopped
and waited in my car to see what was happening.
I soon discovered that this guy used to sell cooked
"cows feet," which were considered by local men as an
aphrodisiac! People would come from far and wide to
buy his "cows feet." I chuckled to myself thinking
about what a great entrepreneur he was. Soon he
added a little bar and sold cold beer. In no time at all,
he was expanding to other parts of the country,
strategically adding the "secret source" of his business
model!
Now, I am not saying go into that same business! No. I
just want you to see the principle: Successful
entrepreneurship requires you to be constantly looking
for a "game changer," even in the most mundane of
businesses.
# What is your "game changer"?
If someone gives me what I consider to be bad service,
I try not to complain. I start thinking if there's an
opportunity for me! I never made money from
complaining, but from dealing with frustrations thrown
at me!
I find always that I'm at my best, as an entrepreneur,
when I'm trying to get over an attempt to frustrate me.
Maybe it was because a bank turned me down over a
loan, or a regulator refused to give me a license, or a
business partner cheated me...
It's all the same: It spurred me to buckle down and
become tenacious, or it made me find an innovation to
get round the problem. It must be the same for you!
# A true entrepreneur is never frustrated by anything...
This is how some of the greatest businesses in history
came about!
Is there something that frustrates and irritates you
every day? That could be the biggest entrepreneurial
opportunity in your life!
# A true entrepreneur is never frustrated by anything...
It's not that I don't want to complain about some
things that are done to me, but sometimes I forget to
complain because I'm too busy using the opportunity
created for me!!!
In life it's not that we're not challenged or even
frustrated by others, or by the authorities. If you're
going through such a situation yourself, don't let it get
you down...
Use it to propel you to the next level!
To be continued. . .

10/01/2017

Break Through Your Sound Barrier
October 14, 1947, United States Air Force Capt. Chuck
Yeager was the first pilot to break the sound barrier
when he flew at 1.06 Machs. Before then no one had
been able to fly faster than the speed of sound which
in the aviation world is known as the sound barrier.
Airplanes fly at speeds known as Machs. Mach 1
means the plane flies at a speed equal to the speed of
sound (1225km/hr). Any aircraft that can fly faster
than that is said to have broken the sound barrier.
There are many planes today that fly above Mach 1.
The fastest plane today flies at Mach 9 that is 9 times
the speed of sound. But all that became possible
because one man attempted to break the sound barrier
and succeeded.
What I find interesting is the fact that the speed of
flight was being measured against the speed of sound.
Quite interesting, isn't it? Because even in our everyday
lives one of the biggest challenges we face is sound -
what will people say? And that hinders our flight.
Passenger planes fly below Mach 1 that is why you
hear the sound of the plane coming before you see the
plane. But for planes that have broken the sound
barrier, the plane has flown past you long before you
hear the sound.
But that is not the only difference between passenger
planes and other planes that fly faster than the speed
of sound. Another major difference is that planes that
fly faster than sound are not usually designed to carry
a lot of people.
Even technology is teaching us a very important
lesson. The bigger the plane the slower the speed. If
you must travel fast you must travel light.
A lot of factors are taken into consideration when
designing the plane. That is why you see fighter jets
have very different designs than passenger jets that
are designed to carry load.
If you must travel fast you must break through your
sound barrier. You must break through the noise of
"what will people say?" You must overcome that desire
to please everybody.
Remember, planes that fly below Mach 1 are heard
long before they are seen. Planes that fly above Mach
1 have flown past long before you hear the sound. By
the time you hear them they are more or less in the
future as it were.
"You never see him coming." You must have made that
statement about someone or heard it made about
someone at one time or the other. That is an example
of someone who has broken through their sound
barrier.
Like the supersonic jets they are ahead of the noise.
They are gone before you know they were even around.
Their actions speak for them. They are not predictable.
They don't move with the noise. They are always
ahead.
They are constantly re-inventing themselves. Their
results are undeniable. You may not like their methods
but you can never deny their results. You may not like
them but you cannot ignore them. They make things
happen.
These people have broken through their sound barriers.
If you are going to make tangible progress in life you
must overcome your sound barrier.
What will people say? What will they think about me?
What if I don’t succeed? On and on all of these noises
interfere with our progress. If you are still affected by
these noises then you need to break your sound
barrier.
It requires personal leadership to stay focused in the
midst of the noise. That is one of the reasons why I
focus on teaching the principles of personal leadership.
Because when you understand how to lead yourself you
will not be affected by the noise.

06/01/2017

Strive Masiyiwa
Be prepared to change your career (Part 2)
__Experience alone is not enough.
In a few weeks, I will be 56 years (young). I have been
working for more than 33 years (old). By all measures,
you might say I'm experienced. But what does this
mean in the age of constant change, in which I must
change my career (the way I do my job) every five
years? Either I change the way I do my job, or my job
changes, or it might disappear altogether!
# Experience is important but it is not enough.
In fact, when you get to my age or older and all you
can talk about is your experience, it’s nothing more
than vanity!
What’s one definition of experience? “The process of
getting knowledge or skill from doing, seeing or feeling
things.”
"I don't read any books," the veteran began proudly.
"Really, I could write most of those books myself
because I know it all. I have been doing this job for 30
years."
__This guy needs to retire quickly because he will
destroy the organization!
You can be old and young at the same time... You
cannot afford to think old!
# Experience is important, but it is not enough.
You must complement it with a constant desire and
hunger to learn new things and change your career,
again and again and again.
Have you ever noticed how hard it is for a team to win
back to back World Cup soccer titles?
# When you have a winning team, you don't want to
make changes, but that’s when change must be
uppermost in your mind.
Much of our older executive corps in Africa really
battle with change, and wear their experience as a
right of entitlement. This needs to change.
Management and leadership roles are not immune to
change.
# Experience is important but it is not enough.
Probably the best engineer I ever worked with was a
South African guy called Les Cullen. He was already in
his 60s when I first hired him, and he worked for me
well into his 70s. In every way, Les was like a 26-year
old!
His curiosity was insatiable. It always seemed that
every day he was trying out a new idea or reading
about a new idea.
So this is not an age thing. It's about a mindset. I have
known 30-year old who, only 10 years out of college,
cannot absorb a new idea! I have known 80-year olds
who embrace new ideas and change their careers with
extraordinary energy and gusto.
Nobel Laureate Muhammad Yunus (70+) wrote
something interesting. (He’s a social entrepreneur that
pioneered the ideas of microcredit and microfinance).
He said his greatest challenge has been to change the
mindset of people.
“Mindsets play strange tricks on us,” he wrote. “We see
things the way our minds have instructed our eyes to
see…”
Now don’t let the idea of change panic you. Get your
mindset around the idea that in this rapidly changing
world, we’ll ALL need to be prepared to change our
career, again and again and again.
I saw a quote recently that made me smile: “A year
from now you will wish you had started today!”
To be continued. . .

29/12/2016

The hardest thing to do in business: building an
efficient organization (Part 5)
__Process: getting the right things done right.
For the last few weeks, I’ve talked about the critical
importance of “people” in organizational management.
Today I want to talk about “process.” Every single day,
I’m approached by people with great business ideas,
and I also have my own fair share of new ideas.
Sometimes I just love to sit in my study, or go for a
walk, just thinking about a new business idea.
Let me share with you one of my best kept secrets: If I
can’t get my mind around the PROCESS, I'm not going
to do it!
I have to feel I have a deep understanding of how an
organization will emerge to take this great idea
forward. I can easily take 50% of my thinking time on
this. Once I get my mind around the process, I can
then focus on the right PEOPLE to make the right
things happen.
__Process and people are the backbone of the
organization.
Now what I mean here by “process” is the series of
actions you take in order to achieve an intended
outcome or result. Within one business, several
different processes usually take place – raising capital,
strategic planning, recruiting and training staff,
research, product development, product testing,
marketing and so forth.
When I first started in business, I was still very young,
and had worked for just a few years. Fortunately, my
two employers had been a computer start-up, in
Cambridge, England, and a state-owned enterprise
(SOE) in my home country, Zimbabwe. In both
organizations I’d made observations about how
companies are set up and run.
I loved the start-up, which had only two owners.
Decisions were made quickly and I got my chance to
do all sorts of things, even though I only had a freshly-
minted engineering degree! The SOE was the exact
opposite: it had rigid organizational structures. There
were many highly-skilled and qualified individuals, but
decisions were slow.
Whilst I enjoyed the mission of the SOE, I knew I had
to get back to the start-up environment. I nevertheless
took away a critical understanding of how big
organizations work, including their political culture.
If I’d been able to choose, I probably would have first
joined a large international organization before I went
off on my own. I certainly would have loved to get an
understanding of "best practice" from an international
organization like Coca-Cola or GE, both of whom I
greatly admired. The opportunity was simply not
available, so I did the next best thing… I bought books
about them.
My favorite books were written by entrepreneurs,
explaining how they set up these businesses. At
weekends I’d just disappear into my own world of Sony,
IBM, Coca-Cola -- the great companies of my day. I
didn’t just read, I devoured their material!
I wanted more, so I moved into the really academic
work of people like Peter Drucker and W. Edwards
Deming (Google them). I had all their books and
articles.
In my own country, I’d constantly ask questions about
the organizational structures of well-established
companies. Information was always limited back then,
not like now with the Internet!
As a young entrepreneur in Africa, it won’t always be
possible for you to start your own business after a
professional career in an established organization
where you can learn all the ropes, and study
processes.
# You still owe it to yourself to try and close the deficit
in your understanding of what it takes to organize and
build an effective business organization.
# You may not even be ready yet to have people
working for you, with all those fancy titles and
positions, but you still must have the intellectual
curiosity to do your homework and understand what’s
really happening!
If you don't understand the processes that help you
build and run an efficient organization -- managed by
capable, highly motivated professionals -- you’ll
struggle, wear yourself down, and probably end up bust,
or worse.
Let's get down to business, real business. We’re good
managers, what about you?
END

29/12/2016

Prepare to change your career (Part 1)
__Imagine a new world, beyond what you see and know
today!
As the New Year approaches, let’s start planning
ahead. Look around you, what do you see? I’ll say that
time and again. Now is the time to start preparing for
the future, because it’s already here! Are you ready?
The other day in New York I took a ride in an Uber (by
now you already know what that is, so I won't explain)
and struck up a conversation with the driver.
"So how long have you driven for Uber?"
"About three years."
"What did you do before you went to Uber?"
"I had another career"
"What, may I ask?"
"I drove a Yellow Cab."
We continued to talk, as I pumped him for information
about Uber and its business model, from the
perspective of a driver who is himself an entrepreneur.
"So, do you make more money now?"
"In the beginning we made a lot of money. Now it's
more competitive. There are more Uber drivers and
more competitors to Uber itself."
"So, what happens now?"
"In a few years, drivers like me will be replaced by
driverless cars,” he said. “You know about the race to
get driverless cars on the road, sir?"
"Yes, I'm following it closely."
"Do you think it is a good thing to replace humans with
driverless cars?"
I didn’t answer him, but instead posed a question. (I
estimated he was about 30 years old).
"So, what will you do?"
"Me? I will change my career again; I'm already
preparing because I want to be ready."
"You are a wise man. Thanks for the ride." And with
that I went my way.
Something he said really got me thinking: "I will change
my career again."
What particularly impressed me was his attitude
towards it all: He accepted this change as normal. He
was positive even. It's not always so when I meet
people and discuss something like this. Often I hear
fear, bitterness and anger towards something or
somebody!
Each one of us (myself included) must now change
our careers at least every five years. That’s the new
normal… but how many of us realize this?
Changing your career does not necessarily mean
changing your job or employer, but the job you do and
how it’s done will change constantly or it might
disappear completely!
If you’ve been feeling that you’re not moving forward,
or that you’re sliding backwards in your career, it may
well be because you didn’t see this change happening
around you. Perhaps you don’t "see" the new normal,
where change is the only constant.
Does that make you feel uncomfortable? I'm not here
to help you feel comfortable with yourself. I want you
to make adjustments that will help make you a winner.
If that doesn’t happen, you could end up feeling
confused, angry and frustrated by things mostly outside
your control.
__How well prepared are you for the changes occurring
around you?
Almost 25 years ago now, our company imagined a
world of African telecommunications beyond telephone
landlines. Back then, most people everywhere (not just
in Africa) still thought having “a phone in your
handbag” sounded quite absurd! Now look where we
are!
What do YOU see and imagine when you look at the
horizon ahead? Might you have the vision to look even
BEYOND that first horizon to something as yet
unimagined?
Wherever you are, get ready for the future. It is
coming, and it’s coming fast, and you better get ready.
It’s not just about technology or globalization; it’s
much more profound than that, and I'll talk about it as
part of this series.
To be continued. . .

25/11/2016

The hardest thing to do in business: building an efficient organization (Part 3)
__Always pay your workers first.
You can’t call yourself an entrepreneur if you have the habit of not paying your workers on time, erratically, or not at all. Real business leaders always pay their employees first. Let's call it the first law of entrepreneurship.
Let's talk.
I began my business career as a construction contractor more than 30 years ago. My business entailed getting construction contracts, some which took several years to complete. I would sometimes have thousands of people working on my projects. 90% of my people were paid on a weekly basis. It was almost a ritual, whereby we’d go to the bank on Friday morning to collect the "payroll."
Each worker was paid in cash, and we would sit and pack the money into little brown envelopes, after deducting taxes. We'd then travel to the sites and pay them their money.
I never ever missed a payroll… except once, and it probably saved my life. I was abducted from my office at gun point on one of my payroll days. The person who raised the alarm that I was missing said this: "We know something has happened to him because he didn’t come to supervise the release of this week's payroll."
# If you owe your workers money, you’re not yet an entrepreneur.
The second law of successful entrepreneurship is this: If, for any reason, you’re going to miss your payroll, you must always make sure the lowest paid workers are the first to get paid -- not the managers and others you deem most skilled.
# Always pay the lowest paid workers first. They’re the most vulnerable.
If we didn’t have enough money to meet our payroll, I spoke to my senior people and asked them to make the sacrifice. It also meant I myself would go home with nothing. But workers like cleaners, laborers (we had a lot of these in the construction business), drivers etc., were always paid first. This always included the youngest people in our business.
If you want to go far as an entrepreneur, treat workers’ salaries and wages as sacrosanct. If you see a big man who has lots of cars, a big house, goes on holiday overseas but is in arrears on salaries and wages, he’s really not an entrepreneur.
Don't be fooled, he’s not a big man at all! True entrepreneurs pay their people on time, all the time. And they take care of the most vulnerable members of their organizations first. I’d rather someone called me a successful entrepreneur on the basis that I never missed my payroll, than on the basis that I made a billion dollars.
Now to help avoid such a crisis, there’s one thing you must learn to do straight away in your business, and that’s manage your cash flow… your “accounts receivable” (sales) and your “accounts payable” (expenses). If you don’t keep track of your cash flow, I guarantee at the end of some months, you’ll have a shortfall.
If you haven’t already done so, put together a cash flow budget, with a few different scenarios (best case, worst case, different assumptions). You can’t predict everything, of course, and surprises happen, but do your best with what you know now. Cash in? Cash out? Timing? Enough cash to meet payroll? (This is a complicated subject but we’re just talking about payroll here.)
A few years ago there was an article in Forbes’ magazine called “Success will come and go, but integrity is forever.” Never forget that. Most all businesses have legal and contractual obligations which you must respect. But there are also moral obligations to consider... Do you know the difference?

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