HOW TO GET YOUR REFERRAL LINK

After registration, participants in MMM would want to refer other people to the community.
There is also a 10% bonus on referral PH as an incentive for referrals.
This tutorial shows steps on how to get your referral link.

1. Login to your personal office (PO)
For tutorial on how to login click here

2. Click on participants as shown below:



2, Click on referrals

3. Click on show my referral link as shown below



Your referral link will be displayed as shown below



4. Copy your referral link to a safe location and share it with friends and potential downlines

Congrats. You have your referral link in easy steps.

ABC OF BONDS IN A GLANCE

The popular term bond as heard or read in the newspapers, television and other kinds of media platforms I believe have brought to many confusion upon trying to research and know more about it. In this post, i would try to make sense of bonds by explaining it in simple terms.

Firstly, what are bonds? To simply put, a bond is a form of investment security that involves giving loan to the government or company i.e. you as an individual is buying part of the debt of the earlier named institutions. It is represented by a simple piece of paper called a certificate or depository. It bears the amount borrowed from you the bond holder, the years the loan would last for, the interest rate and repayment period.

Now, i'm quite sure you would be wondering why you should lend out your money to a multi-million rich company or a revenue generating government. The answer is simple, the bond issuer attaches a coupon to the bond. The coupon is the interest rate attached to the bond issued. So, lets assume that you have some N10m that you are not using again or not using for the time being and this particular bond issuer say the government are willing to raise a debt of N10b for 10years at a coupon of 6% pa i.e. the government wants to borrow N10b from the public and are willing to pay an interest of 6% per annum for the next 10years while at maturity (after 10 years), the principal amount would be paid back. You buying N10m bond means you have borrowed the government N10m out of the N10b they are willing to raise and would be paid an interest of 6% per annum then after 10years your N10m would be paid back to you.  It is pertinent to note that the issuer has an option of call back meaning they would pay back the principal amount before maturity. Though if this provision would be obtainable, it would be expressly stated in the bond prospectus.

How then does an individual buy a bond? This is done in the bond market. As our elementary education defines market, a market is a place where buyers and sellers meet. Exactly what is defined above is what happens in a bond market. There are two types of bond market;
(a) Primary bond market
(b) Secondary bond market

The primary bond market is where bonds just offered by the bond issuer to the public are bought freshly while the secondary bond market is where tradable bonds are bought or sold. This secondary trade could be done over the counter (OTC) or on the floor of the stock exchange market. The value of bonds just like shares either goes up or come down depending on several prevailing factors. Take for instance a bond bought for say N10m could be sold higher (N11m) or lower (N9m). After which the coupon attached would now be paid to the new bond owner. It is important to note that at maturity, the face value of the bond is what would be paid as the principal amount not the amount at which it was bought.

The term yield as heard when bond is mentioned is the interest upon traded bonds.  When bonds are traded either at a higher or a lower value, the interest (coupon attached to the bond) divided by the traded value is what is called yield. The yield on a bond is always in the opposite direction to the value of the traded bond.

Finally, one might want to ask what the difference between bond and shares is. Its quite clear. With bonds, you are only borrowing the issuer money which would be paid back while with shares, you buy into the ownership of the company and would be paid dividend depending on the progress of the company (meaning its not a fixed rate as in bonds). Bond holders are always settled before share holders in a case of bankruptcy or company fold up and this is a major advantage of investing in bonds.



Well, I hope I've done justice to the concept of bond? For more financial news and updates do check our site www.fiinance.blogspot.com frequently or follow me on Twitter: @sosarichards, Facebook: Aiwekhoe Richard Osaro




 

HOW TO GET HELP ON MMM

This tutorial explains in easy steps how to get help on MMM.
If you need details on how to provide help on MMM you can click here

1. Login to your personal office
For details on how to login click here

2. Click on ""get help""


3. Mark select a card or bank account registered earlier
Click on next to proceed


4. Select the account you want and click on next to proceed



5. Select the amount you want to withdraw and click on next to proceed\



6. Confirm your account details and click next to proceed



You'll get a prompt that your request has been added. Click okay.



You should now see your request on your dashboard.



Be sure to confirm getting of help after proof of payment has been uploaded and you have confirmed reception of the help.
Write to support or contact your guider immediately there seems to be an issue.

HOW TO PROVIDE HELP ON MMM

This tutorial gives easy and well explained steps on how to provide help (PH) on MMM.
If you are just about to join MMM click here to get full steps on becoming a participant in MMM.

1. Login to your personal office.
For tutorial on how to login to your personal office click here

2. Click on ""provide help"" as shown on your dashboard
 

3. Tick the ""I read the warning"" box as shown below and click next.



3. Select ""other bank"" and click next as shown below



4. Enter the amount you wish to PH with
Click on select
Enter exactly the same amount again
Click on next





5. Type the code given in the box provided and click next to proceed as shown below


You'll get a confirmation message that your request has been added.
After this you can see your request to provide help on your dashboard.


Warning:
Only provide help with spare money
Do not provide help of an amount you don't presently have.
You cannot cancel request to provide help when you've already been matched more than once a month.
Check your mail and your personal office at least once a day to be updated with your order.
You will be given a maximum of 48 hours to make the transaction, after which you will be blocked on event of failure to do so.

Requests to provide help can take from a few minutes to over 20 days to be matched but your mavro starts growing immediately you request to PH.

After you've been matched, you'll get a mail requesting you to login to your PO.
MMM doesn't send sms, disregard all sms claiming to be from MMM.
Login to your PO and contact the participant you've been matched with before payment.
After payment, take a picture of your deposit slip or a screenshot of your transaction alert for e-banking.
Upload this as a proof of payment in the space provided
Contact the receiving participant to confirm the transaction.
He/she will be given 48 hours to make the confirmation after which he'll be blocked on event of failure to do so.
After confirmation, your PH is SUCCESSFUL.
You can now continue your mavro growth.