Game Changers issue 26

Game Changers ISSUE #26

YOU CAN BANK ON IT! Game Changers speaks exclusevly to Zoran Radovanovic.

GAME CHANGERS

DIRECTORY O1

Note from the editor

O2

Kiana Danial

O3

Gabriel Styllas

View from the top. 03

Invest Diva. 04-08

5Comply. 10-11

O4

BREINROCK. 11-12

O5

5COMPLY. 12-13

Zoran Radovanovic

Gabriel Styllas

O6

Ludovic Vuillier

O7

David Rose

O8 O9 1O

Baer’s Crest. 14-15

The 420 Banker. 16-17

Adam Kitchen Magnet Monster. 18-19

Viktoria Soltesz PSP Angels. 20-21

Dejan Dekic Canna…Business! 22-23

11

Dino Ermogenous

12

Food

13

Fashion

14

Game

Online Physical Training Coach. 25-27

Staying at home is the new going out!

28-29

Corona Couture- How to stay chic working from home. 30-31

NUT JOB! - Make your own conspiracy!

32-33

VIEW FROM THE TOP

Hello everyone, Since our last edition the entire world has been turned upside down with the pandemic. Hopefully this edition gives you some light relief away from all of the negativity which is very easy to slip into.

This months cover star is Zoran Radovanovic, who if you are not aware has been at the cutting edge of banking for decades. It has been great to (and continue to) collaborate with him on a number of projects.

We wish him every success with Breinrock, which we believe can shake up the banking eco system for the better.

We also have the first time appearance of Kiana Danial in GC. We were incredibly pleased to have her first of hopefully many contributions. Stay tuned for Kiana’s new book which will be out very soon.

We also have regular entrants Gabrial Styllas and Ludovic Vuillier answering the pertinent questions of the day, along with first timer Adam Kitchen from Magnet Monster.

In our lifestyle section we have tailored it to the lock down experience. Dino Ermagenous gives us excersize tips, along with Game Changers guide to fashion, food and how to stay entertained in a lock down.

Hang in there everyone, we will all be outside soon!

Paul ORFORD EDITOR-IN-CHIEF

Game Changers

Invest Diva KIANA DANIAL Founder of Invest Diva

I was first aware of Kiana’s work online with formerly Forex Diva (now Invest Diva) around 8 years ago when the videos used to appear on my Linkedin feed. In my opinion, Kiana was one of the first influencers to embrace social media in the FX field, moreover, it made me understand that you can become your own powerful brand.

You have probably seen her TikTok videos promoting her new project, aiming to empower mothers by teaching them how to invest and take control of their financial future.

We were really happy to grab FX’s own superwoman to find out more about her past, present, and future.

Q Did you understand the power of social media when you started FX Diva?

I founded Invest Diva (previously Forex Diva) as I was learning about entrepreneurship but my main focus was on helping women navigate through the financial markets and making their money work for them.

While I was aware of the power of social media to accomplish my mission, it took me years to finally unravel its true power of helping to create a unique tribe and a community who truly understands and appreciates my mission.

Q How did you come up with the concept?

Before going solo and founding Invest Diva, I was actually working at a forex broker on Wall Street. But I lost my job in 2011... what’s weird is that I lost it when the economy was actually getting back up after the 2008 recession... while now I can talk about it candidly, at the time it was the biggest slap in the Face I’d ever experienced... to make things worse, I also experienced a massive heartbreak 2 weeks after getting fired from my job...

But somehow, getting fired had a much bigger emotional impact on me...

I think it had to do with the things that happened to me in my childhood…

While right now, almost a decade later, you frequently see me on media like Forbes, fox business, CNN, TIME magazine, Yahoo! Finance and more and I’ve written a number of books published by the biggest publications in the US… But things weren’t always like this for me…

GAME CHANGERS Issue #26

Kiana Danial Founder of Invest Diva

I was actually born and raised in Iran to a Jewish family during the Iran-Iraq war. My dad, who previously was a very successful engineer and CEO of a construction company, had lost everything to the new Iranian regime…So I grew up with very little and it was especially tough because my mom always had stories about the time when things were good. When they had a 24/7 personal diver and housekeepers at home. But now, she had to wait in line to get eggs and milk on food stamps.

So I grew up knowing what it feels like to get something you worked really hard for and then lose it…

When I turned 18 my mom was diagnosed with breast cancer which led her to a double mastectomy and to distract me from the pain, she pushed me to apply for a scholarship to study electrical engineering in Japan.

I applied, and I got a scholarship from the Japanese government. After learning Japanese for a year they sent me to a college in the middle of nowhere, where I was the only girl and the only foreigner in my class. All the classes were taught in Japanese.

I freaking hated it. I didn’t understand anything, and sucked at everything. Especially all the math stuff. I was the daughter of a once-successful engineer and everyone expected me to be good at math, but I simply

wasn’t. On top of that, it was really intimidating to be the only girl in the class.

While you might think I was getting hit on by my classmates, that definitely wasn’t the case. I was viewed as an outsider from a third-world country with no money who’s feeding off their taxes they pay to their government.

This was hard because I really wanted to succeed in this to not only make my parents proud but also help them financially and get them back to where they once were before the Iranian revolution…

My older sister was really good at math and whenever she made any money, she would help out my parents so this made me feel like a failure as their daughter.

Once I finally graduated with my first degree through the tears, I was actively looking for a way out of engineering but in Japan, it’s super tough to change majors.

I was talking about this out of nowhere with my Japanese host family mom, and she told me that the program is already written and it’s called (brace yourselves…) trading!

She hooked me up and opened an account for me at HiroseFX, and I transferred 10,000 dollars worth of Japanese yen to that broker in August 2008 and what happened next, is that Within a month, I doubled my money.

That obviously felt great and that night I went out with my friends to this place called Roppongi in Tokyo to celebrate, and the success was enough for me to want to completely ditch my college degree and start investing. Remember how tough it was for me to fit in, to do basic math, and how much I hated my job? This was my first ever investment and I made $10,000 within a month in a CRASHING market. Can you imagine how awesome I felt after I saw the returns as someone who’d NEVER invested before, sucked at math and really didn’t even put that much time into the whole thing?

I literally couldn’t believe what happened. I was making around $1,500 per month and wasn’t even able to cover my basic living expenses. So you can imagine how it felt to make $10,000 in one month without doing anything other than setting up an account and take a leap of faith

In case you were wondering, yes I do speak proficient Japanese and even got myself a TV show on Japan’s national TV. Here’s a clip: https://youtu.be/ LZ_I50g5Cl8 Then came the year 2008. There was a massive global recession and the markets crashed.

At the time I didn’t know a single thing about the economy or finance. But all I could hear was that the U.S. Dollar USD was getting cheaper and cheaper. That’s when I had an idea: maybe I can buy some U.S. dollars at a cheap price and send it over to my parents. I could even keep it until it gets expensive again and exchange it back to Japanese Yen! With that, I started going to the ATM machines every day and exchanged some of my Japanese Yen ( JPY) into the U.S. dollar (USD). But every time, when I went back the next day, the USD was even cheaper than the day before. So I became addicted to going to the ATM every day and getting disappointed that I had exchanged my money too early the day before. I had a feeling that the USD is going to get much cheaper but I was getting tired of having to go to the ATM every day to find out. So I was thinking maybe I can write a coding program that would automatically execute my USD/ JPY exchange at the lowest price it could reach.

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on 1 investment decision. And the craziest thing about This was the fact that the whole financial market around the world was CRASHING and literally the biggest investment banks in the world were going bankrupt and out of business! So yeah, I felt smart and as I had really achieved something for the first time in a really long time.

And this success was enough to motivate me to pack my bags from and move from Tokyo to the heart of global finance… Wall Street… within 2 weeks of arriving to New York I got myself a job at an FX brokerage called FXCM, which were located at the end of Wall Street on Water Street if you’re familiar with the area…

And that’s when I found out about all the shady things going down and how often the retail traders fall victim. For example, in the case of forex brokers, oftentimes they make money when the traders LOSE. Another thing that I noticed was that around 90% of traders were men, and was a huge absence of female traders.

I was looking at all the traders losing money and almost zero women in the crowd when I had my AHA moment there: maybe if we do this differently and put quality education out there and tell people the truth about how Wall Street works then, fewer people will struggle financially, more women will become interested and we can change the world!

I got super excited and came up with all these cool ideas to help transform Wall Street and I went ahead and pitched it to the head boss of my division. Imagine this a geeky new girl with all the ideas, freaking out in front of the big Wall Street boss. Guess what happened after I pitched these to him?

I got fired.

Now I was a single girl in New York with no money and this was the biggest slap in the face and is the exact one I wanted to talk to you about today because even though at the time this felt horrible… absolutely horrible, I didn’t know how to tell the news to my parents, I felt dumber than ever and I had no idea what to do next, this very thing turned out to be the very best thing that ever happened to me. Because that set me on fire. I took the time of my unemployment to invest in myself… even though I felt I’d already wasted so much time, 7 years to be

exact, studying for a degree that was serving me absolutely nothing, I thought to myself, better late than never.. right?

So even though I was literally running out of money, I quarantined myself in my tiny room in New York, surrounded myself with investment education and really dive in head first so I literally bought and studied everything and anything there is out there about finance, trading and investing. I studied for Charted Market Technician degree (CMT), Certified Financial Planning (CFP), CFA, all these C-level titles Wall Streeters get to brag and show in their status...

And the first thing I discovered was that… These things were not as hard as they presented it to be.

NONE of it was above 5th-grade math. They were making things sound difficult, so THEY sound smart, scare people from investing on their own, so people hand their hard earn cash to them so they can profit more.

As I was studying all these things, I found one big secret sauce that made all this even easier so I can design investment strategies that are exactly right for ANY individual’s risk tolerance, it’s easy enough for them to do it on their own, and make their money work for them without having to pay me a commission fee.

The secret sauce had to do with my time in Japan, so it really brought my whole journey together and inspired me to help others do the same thing. Something much bigger than just a job on Wall Street… I got so obsessed and passionate about this that when I got

two big job offers from two large Japanese banks in New York, Mizuho and Mitsubishi UFJ, I decided to reject them and serve the people who have been getting screwed over by these banks and financial institutions and self-proclaimed gurus.

And that’s how the Invest Diva movement was born.

I went on to write multiple books and get published by the biggest publishers in the US and spoke at the biggest financial events around the world.

And.. Let me tell you how this all came back around for me… Years later I was speaking about investing and my system, on the stage at New York’s money show, and guess who was in the audience?

My former boss who had fired me!!

Q Midas become Saxo Bank in 2001, it was the start of the online boom for FX. Could you see from there where the industry would go?

Ha! Certainly, do not believe anyone that says YES to that question!

I myself couldn’t see it at the time, but as a team we definitely had the sense and belief that we could disrupt the market, and fortunately we did big time…

That moment is truly the best thing that happened to me… Because I found out that not only I wasn’t hurt by the fact that he fired me anymore… But even more importantly I realized that those hard times that I felt like a loser… all led me to that moment..

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In our lives, our failures are often the catalysts that take us to where we’re meant to be. Right?

If it wasn’t for those two events, spending 7 years in Japan doing what I hated… and getting fired… The Invest Diva Movement wouldn’t have been what it is today.

Q I liked that it was more accessible than the dullness of Bloomberg, did you plan on making it like that?

YES. My goal has been to make finance accessible.

Financial literacy shouldn’t belong only to a handful of elites who speak a certain technical language.

Through my years of educating and leading the Invest Diva movement, I have proven over and over again that anyone can get involved and start making their money work for them, as long as they undergo the essential education. Education doesn’t have to be hard... You don’t have to be a math whiz to understand it. But it’s essential.

Q You have embraced TikTok as a great way to get your message out there. What tips can you give regarding grabbing peoples attention in under 30 seconds?

Our world has become increasingly noisy and it is very hard to keep people engaged in topics that are perceived as boring.

With TikTok videos, I’ve been able to educate the masses 15 seconds at a time!

This is a new social media platform that many associates with teenagers... But just like Facebook that was hijacked by our parents, TikTok now has a growing number of adults who are looking to learn and have fun. If you’re looking to join TikTok, however, note that it is one of the most addictive apps ever created :) Q Why is financial education so important?

Most people think the key to wealth is making more money.

However, the truth is, true wealth has nothing to do with how much you make.

The real key to wealth is being educated enough to keep and grow your money.

You don’t suddenly learn how to handle money by making more of it.

Financial literacy isn’t a side effect of wealth. wealth is a side effect of financial literacy.

That’s why the majority of lottery winners lose all of their money.

Q Should it be taught in schools?

Yes absolutely... and that’s one of the reasons why I actually started teaching at high schools and at universities in New York such as Baruch College as an adjunct professor.

GAME CHANGERS Issue #26

Q Your new project focuses on empowering woman into getting a solid financial education. Why just woman, are you not losing half your market?

My goal is to create a safe place for women where they can ask questions without feeling intimidated. If you go to any trading groups on Whatsapp, you’ll notice many people simply trying to brag and put each other down... Invest Diva Movement isn’t like that. It’s a group of pro-active moms who understand the importance of taking control of their financial future not only for them, but also for their children and grandchildren to come.

That being said, our services are open to men who are supportive of our mission. We don’t discriminate.

However, any male who shows signs of disrespect towards our community members or our mission is immediately removed from the group.

Q Is there a specific way that you are carrying out the education?

My education course is conducted through short, fun and easy-to-understand videos. The PowerCourse can be completed in 8 weeks and it’s a step-by-step guideline to take our students from personal finance, to risk management, trading, investing, and successful strategy development using my methods.

Q Is it aimed at people with a base knowledge of investing or can a complete new person use this?

Invest Diva services are for newbies and experienced traders alike as we have several different programs that are suitable for each level of experience.

BREINROCK ZORAN RADOVANOVIC CEO of BREINROCK

Q Welcome Zoran to the online edition of Game Changers. In case the readers are not aware you have been on several editions on Prime Time, can you give them a brief run down on the life and times of Zoran Radovanovic?

I came to Cyprus over 25 years ago as student and I developed my career and my life in Cyprus.Latterly I started to offer a more bespoke service for clients, which focused more on their core needs. Hence why I started Breinrock so i could utilize my existing knowledge and contacts to offer the industry something new.

Q Why did you start Breinrock?

There is great need for mix of “traditional” customer service banking and technology. Today you either have traditional banks with no much technology upgrades lately or Fintech providers with no experience in banking. Well I was looking to start a new project in the brave new world of FinTech. We are going to see some radical changes in banking, such as our relationships with banks on a personal level, all the way to the bank functions in society, and the access that an institution will be able to obtain to becoming part of the Neo Bank eco system.

Q What are your thoughts on FinTech?

I have always been really interested in it from a way in that it can help banking become more democratic. For example, to obtain an EMI banking license (something that Breinrock specializes in) will make it easier for an institution to carry out similar functions as a regular high street bank. Although i would be the first to admit that I am not the most technical person in the way of programming, I have a great team at Breinrock that can has made some great software for this new evolution.

Q I am really curious about the Banking evolution.

Can you tell me more?

From an individual perspective, the average retail bank has not really embraced the modern times.

They do offer a standard online account and an

GAME CHANGERS Issue #26

Zoran Radovanovic CEO of BREINROCK

app, however things have not moved on a great deal.

Moreover, access to becoming a bank or offering banking services as a new provider, has become stuck in the last century. To obtain the necessary license from a reputable country takes a lot of time and a lot of money. which let’s face it, this combination locks out the vast majority of people thus stymieing innovation from banking.

Q So the readers are probably going to hear the letters EMI thrown around a lot over the next year.

What is it?

An Electronic Money Institution has been around for a little while, readers may have seen them being offered by the Baltic Nations or perhaps a Puerto Rico license. This can present the user with fast access and relatively cheap access, however it does come with a number of organizational challenges. An EMI gives

the ability to the organization to offer a number of services that are seen within high street banking.

Where it does excel is that they can offer innovation to a market that has often been very slow to adapt to the modern needs of society.

Q I often see some ‘solutions’ that are looking for a problem to solve. Why is this different?

One huge challenge that an FX company does have is the movement of funds which is the life blood of their business. So in this case they can pay a very large percentage for processing the payments.

Moreover funds are held for a number of months because of charge backs, and an account can frozen with little or no reason given why. With an EMI, you are more in control as you are substantially reducing the PSP costs.

trading platform, bridge and all the related tech and staff required. If you are an existing FX brokerage, you can use it to reduce not only your processing costs, but also help service your existing client base. Moreover, it is another area that your group of companies can make additional revenue in the coming years which will look to be quite challenging for most in a post virus world.

Q I’m sold on the idea. How do I get more information?

The best way is to message Breinrock via the website www.breinrock.com drop your details in and we can have a brief chat about if this is a good fit for you.

Moreover you can use the EMI to offer your payment services to others and generate another revenue stream for a relatively low cost, and easy set up.

Q How hard is this to do? Seems like a lot of regulatory paperwork and people have to learn a new technology?

This is why an EMI is revolutionary, as the formation process is very straight forward. You just need a company formed, if you do not have this we can assist in the relevant jurisdiction. Our team can help you every step of the way to handle all of the regulatory questions. Moreover, where Breinrock own the technology, we can give you a White Label at a very affordable price compared to buying your own license and technology. Anyone in FX understands what a nightmare this can be, so we have a solution for a very real problem!

Q So you think this will it put expensive PSP’s out of business?

Well that is not our aim, really it is to drive costs down and innovate. There will always be a space for PSP’s in any online ecosystem. The best way to look at it is like retail FX. Many years ago the spreads were very wide, however the competition reduced spreads for the end user, and improved the customer experience. It is great to bring innovation to banking, as this is the last part of the finance industry that has not really embraced the modern age.

Q Do I need to break the bank to have my own EMI? Not at all, it is priced very competitively. To give you an idea it is cheaper than the standard retail FX brokerage route to market buying a well-known

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5COMPLY GABRIEL STYLLAS Founder of 5COMPLY

Q We currently have a lock down in Cyprus. What tips would you give to CEO’s about structuring a work from home plan?

Luckily we have a very streamlined work force at 5Comply, so it is not a large logistical operation to connect our staff to different servers like an FX brokerage. I think the key point for any CEO, in what can only be described as an unheard of situation, is to trust your colleagues. Either you or your line manager employed them based on both an acknowledgement of their skill set, but also you trusted that they could do the job!

The old school idea of how much time was spent sitting at a desk is substituted by focusing on goals, metrics and trust. You shouldn’t track hours or care about how you do your work, as long as you’re getting the results and you trust your colleagues.

Moreover, I think that the 9-6 work life has now been put on hold, and that some tasks will have to be completed on an adhoc basis. For example, many of us have children so we have to factor all these things in our new way of working. It won’t be easy, but trusting who you employ will help you as a CEO sleep a lot easier at night.

Q How does this affect brokerages from a compliance position if they are regulated. How can they ensure the security of data?

Brokerages that always had business continuity plan in place that allows employees to work from home and also tested their business continuity plans quite often, are the ones that were ready to face this and to adapt to the entirely new working environment.

From what I have seen, most of the companies I deal with have most of their valuable data and procedures on the cloud and some of them have their employees connected through a remote desktop connection.

The upside of this is the brokerages become more efficient and more flexible, something that they could utilise even after the pandemic in order to be more cost and time efficient.

GAME CHANGERS Issue #26

Gabriel Styllas Founder of 5COMPLY

However, one downside of this is that the home networks are more vulnerable and under threat as it gives more space to hackers to attack.

You will have to make sure your security is of the highest possible standards. One suggestion I would take a serious look at is using a company to carry out an ethical hacking audit. This is also known as penetration testing that helps you identify security vulnerabilities that an attacker could exploit. This can be an absolute life saver!

Being a technology driven industry, forex industry and therefore forex companies have for the most part been ready for a situation like this. As forex brokerages always put huge emphasis on technology they can adapt very easy. Moreover, other ‘older’ industries that have not adapted are not merely as flexible and will face a number of infrastructure challenges over the next coming months.

Compliance teams of forex brokerages still have the adequate human, financial and technical resources and are able to fulfil their function effectively.

Obviously there are some obstacles like for example the recording of relevant telephone conversations

required by MiFID II may not be practicable.

However even ESMA recognises this issue and expects brokers to consider what alternative steps they could take to mitigate the risks related to the lack of recording.

Q As we have discussed many times, banking for offshore brands is becoming harder to find a stable solution. Why is this?

This has been a pattern for many years now, where some brands may need to go offshore to offer an extension to their services, such as higher leverage.

This comes at a premium of having to pay higher fees.

Where they would be considered higher risk due to country of incorporation, they will get hit with higher transaction fees. It is just a cost of business where a brand will have to pay high fee’s as part of running an offshore brand. However, one way to save on these are to check which provider you are using. You can always squeeze them if you are sending good volumes, as they will not want to lose your business.

Q EMI’s are becoming very attractive as a solution for brokerages. How will they help a brand?

From an individual perspective, the average retail bank has not really embraced the modern times.

They do offer a standard online account and an app, however things have not moved on a great deal.

Moreover, access to becoming a bank or offering banking services as a new provider, has become stuck in the last century. To obtain the necessary license from a reputable country takes a lot of time and a lot of money. which let’s face it, this combination locks out the vast majority of people thus stymieing innovation from banking.

Q So the readers are probably going to hear the letters EMI thrown around a lot over the next year.

What is it?

I am really interested in this field as it could revolutionise the payment industry for offshore brands, or others that are considered high risk. In case the readers are not aware, an Electronic Money Institution could dramatically cut the costs of your payment costs. Moreover, it can also act as a huge revenue stream if you are to let others use it. To a large extent you are offering non-credit banking services, so why not take advantage of this.

We are seeing a large uptick in demand for this at 5Comply, where we can show you that the application process is very easy to do. Naturally there is a cost for the software and license, however it is like having a new trading platform or service that you can offer your clients to improve both your

brands costs and credibility. Further to this, we only look to use jurisdictions that offer a long term stable view on business. You do have to pay a little more, however you can be more comfortable knowing that it will be a viable business for you in years to come.

I would suggest looking at a cost benefit analysis of using a cheaper ‘flexible’ jurisdiction, as this relationship cannot be the ideal fit for your brand. You can contact me for an informal discussion to see if this is a good fit for you.

Q We both get a huge amount of enquiries with regards to people wanting a CySEC license for their brokerage. However, you suggest that buying a fresh license is the best option. Why? We have been involved in many acquisitions and fresh licenses during the last few years and based on the track record we have it might be even faster if you apply for a fresh license using the fast track examination scheme introduced by CySEC, as the Commission has to follow certain timelines during the examination of the application. On the other hand, if you try to acquire a Cyprus Investment Firm (CIF) you need time to perform the due diligence, prepare the relevant agreements and you cannot take advantage of the fast track examination scheme.

At the same time, it’s much cheaper to go for a fresh license using the fast track as you avoid to pay a high premium amount and thus you can save money.

In addition, in the case of an acquisition of an existing license you will have additional expenses in relation to due diligence, preparation of agreements (SPA and escrow agreement) etc.

Finally, acquisition might cause unpleasant surprises (e.g. claims, lawsuits) and hassle (e.g. in case buyers want to change the Board of Directors, might face difficulties to get the resignations from existing Directors) Q Has this virus seen are you finding that there is a dip in business for you?

Actually we haven’t noticed the crisis yet but on the contrary we are experiencing high demand for customised and sophisticated licensing and compliance solutions as some clients are looking ahead of the crisis, try to identify potential opportunities and get ready for the next day. For example during the last 2 weeks we submitted 2 applications for new forex licenses.

Being part of the online business the forex business has been positively affected so far by this crisis, as we are facing increased volatility and at the same time traders have more free time to trade.

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Baer’s Crest LUDOVIC VUILLIER Founder of Baers Crest

The world is changing fast before our eyes. Not because the human population will be decimated but because these worldwide lockdowns are forcing us to rethink the way we do business. Companies are being forced to find ways for their employees to work from home and product and service companies are being forced to rapidly evolve the way they serve their clients. Businesses that do not do this fast will either have to go through a massive downsize in personnel, revenue and profit or even worse, just close down shop.

One of the issues that many are starting to see will be an issue is in regards to payment processing. Why now more than ever? Because until now, most businesses were in a comfort zone. Until now, we knew that little by little more and more communities would work on evolving their banking infrastructure and would go on to become societies with less and less cash, more online/ card payments and that within a few years we would be able to take them on as clients. But how does a banking infrastructure evolve when we now know that any moment, travel and business restrictions can cause such major pandemonium to our companies?

In order to solve some of these issues, payment processors may need to charge more for their services to the higher risk community because they can and need the additional funds to survive. This will narrow your profit margins even more!

At this point - nothing is certain.

As with everything, the ones who adapt the best, survive, thrive and go on to fight another day. So how do we adapt our payment infrastructure when we know we can’t rely on the new systems to continue and evolve?

How do we proof our business against the absolute need to accept payments online via cards and e-money when most of the world’s business is still conducted in cash? Most of the world’s population does not have access to the same banking infrastructure your business is connected to, if to any at all. How is a company supposed to survive and thrive considering these limitations?

That’s where we come in.

As many of you know, I had stepped away from the financial industry to focus on other things. And whilst, I have no intention of dropping my new activities, this was a challenge I felt I could take on and should take on.

Baer’s Crest has developed a payment infrastructure which solves all of these issues - processing payments without an added “pandemonium” fee, processing cash payments, and more services designed specifically for each client.

So if you want to lower your processing fees and start accepting cash payments and expand your business to places you never thought you could before, contact us now.

GAME CHANGERS Issue #26

Ludovic Vuillier Founder of Baer’s Crest

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THE 420 BANKER DAVID ROSE

Head of Cannabis Banking & Finance - THE 420 BANKER

I was brought up in Manchester England and became fascinated with sales an money. The UK being dull and grey was not enough to keep me.

I soon left for a brighter future but found myself working in Geneva Switzerland, in the snow. This is where my education with real-life banking and hedge funds began to take shape. I found that my ability to network and my work ethic meant that I could quickly navigate my way to some interesting meetings with even more interesting people. The cold was honestly a big reason why I left Switzerland. I’m quite nomadic and so, I found myself in jurisdictions like Cyprus, Amsterdam in the Netherlands, The British Virgin Islands and Wall Street consulting to a number of banks, brokers, asset managers and family offices.

I fostered these relationships over the past two decades and found that when I dealt with banks they were always easy to deal with. As long as I was straight with them regarding the nature of my client we could build a relationship based upon trust which is key with banking. With this as a foundation, I now work with an exclusive number of banks and financial institutions.

However, I am always looking to work with more, as long as they fit the criteria of my clients’ needs.

Q Why make “The 420 Banker”?

I love the freshness of the Marijuana market compared to my old career in banking. It is great that Marijuana offers something of value to the end-user, whether they are a veteran with PTSD or somebody in chronic pain, there is a form of social utility to this. It really shows what amazing forward-thinking countries the United States and Canada are, where the optics for the politicians involved must have been quite challenging as they are constantly looking to get elected. Let’s face it, it is something that perhaps was not a vote winner with a more conservative (with a small c)

GAME CHANGERS Issue #26

David Rose Head of Cannabis Banking & Finance - THE 420 BANKER

electorate. Every day I hear from numerous people who provide care and tell me stories of their patients’ success. Sooner or later the rest of the world will be forced to listen.

Moreover, it is a relatively new industry where I can help these huge farms who generate significant revenues, however, they do not have experience in banking and financing. It is quite plain to see they can be massively profitable, however, they remain unbanked or facing huge challenges finding a solution.

It is quite peculiar compared to Europe where people are looking for ways to creatively pay as little tax as possible, in this industry my clients actively want to get into the banking system and be taxed to contribute more to their country. Another challenge they face is that there is a gold rush, (or green rush) and as money can flood in it can be pinned to the wrong type of investor coupled with lots of other hurdles.

Q What is the upside to this?

Q How easy is this to integrate?

As we just covered the upside on the macro level, it is huge for both the United States and Canada. If we look at Colorado as a case in point. It was a relatively average place until they decriminalised medicinal Marijuana and its related products. Moreover, when it became taxable both the local economy grew significantly, along with the tax uptake being huge.

This had a massive positive impact on the local area, with the local authority being able to vastly improve their services. We are seeing this in other states as they have become green.

This is a good question as we do not offer a standard off-the-peg solution. We have to have a brief informal discussion with the client to find out what their needs are, their business model and where they want to be with regards to their fiscal position in the next 10 years. Some clients like to keep their low key growth, others are looking to be the “Walmart of Weed�!

Once we have this, we can connect them to the correct banking solution and start driving down the costs of our client, by squeezing the banks on costs, as we can negotiate with the power of Dollar aggregation.

Needless to say, we do all of the boring stuff like organising all of their documents to present to the specific banks and investors we have organised for them.

On a granular level, the clients will not have the banking relationships that I have grown and nurtured over the past decade. They would not have the expertise to meet the people I know and have someone on their side to work in their best interest, like I do. I always understand that primarily they are farmers, caregivers, entrepreneurs and not bankers!

Further to this, The 420 Banker acts in a way that is 100% compliant with all American and Canadian authorities. This gives our clients and our banking partners the knowledge knowing that we do not cut corners and are not looking to make a fast buck!

Q How to get hold of you?

The best way is via the website www.the420banker. com. Fill out the document outlining how you want some help, and I or one of our specialists will get in touch with you to see how we can help.

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Magnet Monster ADAM KITCHEN CEO of Magnet Monster

Q What is behavioural email marketing?

Behavioural email marketing is essentially intelligent, automated emails that respond to customer behaviour.

For example: somebody subscribes to your newsletter. They’re then nurtured with a series of automated emails over the course of 7 days, introducing your brand, ethics & sharing educational content. This has been triggered by the ‘behaviour’ of subscribing.

Another example: let’s say somebody purchases your product/service. They would then enter a ‘post-purchase’ automation, that triggers a series of automated emails designed to onboard them, eliminate buyers remorse, and provide upsell opportunities to increase average order value & customer lifetime value.

The beauty of these emails is that it’s a welloiled, sales generating machine that runs on autopilot. There is no manual legwork involved; once it’s set up, it does its job automatically. This alleviates pressure on the business owner, while simultaneously providing numerous touchpoints in the customer journey to automate selling, education & alleviating buyers remorse. Normally labour-intensive jobs become systems that work like clockwork and free up time & resources to invest in other areas of the business.

Q Does it use the latest buzz word of Artificial intelligence to generate leads?

AI can be leveraged in numerous ways to increase conversion rate & upsell opportunities via email.

For the sake of simplicity, however, I don’t think it’s necessary for most business owners to agonise about this subject too much. Email automation should be simple and focus on core automation to hit the ground running for fast results, and none of this requires any knowledge of AI. Q How hard is it to generate solid email lists these days?

GAME CHANGERS Issue #26

Adam Kitchen CEO of Magnet Monster

Building a solid email list is dependant on two things: 1) Traffic 2) The quality of your proposition We have worked with innumerable businesses over the years that usually suffer from one or both.

Traffic is easy to resolve - it just requires a budget for paid media or a strong organic audience.

The quality of your proposition requires a deep understanding of what keeps your customer awake at night, their pain points, and how to tap into their psyche. Most businesses fail miserably in this area, and therefore the traffic they invest heavily in leaks out the other end like a sieve.

The key to resolving this isn’t complex. You simply need an enticing proposition (usually called a ‘Lead Magnet’) that grabs their attention when they land in your website and incentivises them to enter their email address in return for their contact details.

This can be an ebook, video training, PDF - it doesn’t matter. As long as it conveys high value and is desirable, people will provide their email address willingly in return for it.

The goal then is to remarket to these people on autopilot. I.e., the subscribe to the lead magnet, and then enter a series of automated emails (called the “Welcome Series”) that introduces them to your company, educated them, and nurtures them down the funnel into a position to buy.

An important thing to note: the quality of the list is more important than the quantity. I have worked with companies who have a core list of 1,000 cult followers who outperform some companies with over 30,000 unengaged emails. That’s why nurturing with quality content is so important.

Q Has GDPR affected your business a lot?

Not at all. There is a lot of scaremongering over GDPR, but everything we do is compliant with the law and adheres to recommended practices.

Q How can you help a business that does not utilise its data?

We can help a business gain rich insights into the data of its existing customer base, including how engaged they are, purchase rate, average order value, predicted churn rate, customer lifetime value, and much more.

80% of businesses say email is their primary marketing channel for retention, which doesn’t

surprise me at all. The beauty of email data is that you actually own the data. That is to say, you have permission to analyse that data and gain rich insights into your customers. You’re not at the mercy of paying Facebook or Google to access it, which helps you enhance your profitability over time.

Q Are your services for a specific industry, or is it adaptable for all?

We flourish & excel with e-commerce businesses, but frankly speaking, the type of automation I’m describing is applicable for all businesses, both B2B & B2B. As long as we’re working with somebody who has traffic, we can increase their conversion rate exponentially as well as the retention rate of existing customers.

Q What makes Magnet Monster so different from its competitors?

The quality of our content. It’s unparalleled. Nothing is cookie-cutter - all the copywriting and design is bespoke and crafted by experts who truly take the time to understand your customer’s pain points.

On a personal level: our zero B/S, real-life business experience. We don’t come from a traditional agency background - we have owned and have experience in retail businesses, service-based business, with industries as diverse as food, supplements & the fitness industry to cannabis, cosmetics & electronics.

Also, transparency and communication. We don’t work with anyone & everyone - only with people we genuinely believe we can help & projects we’re passionate about.

Q Without giving away too many of your secrets, how can company improve their email conversion rate?

The best thing anyone can do is stop mass-mailing their customers with useless offers and start investing in quality content. Relentless sales emails p*ss your customers off, devalue your brand and add nothing to their daily lives. It also adversely affects your sender reputation as unsubscribes go through the roof which damages your open-rates & deliverability over time.

Focus on email automation: it alleviates labourintensive planning and automates touchpoints, freeing up time for you to focus on your business.

Automated emails also are opened more, have higher click-through rates & sell more, as they’re more relevant and timely to the customer journey.

Q What’s the best way to reach you to learn more?

Connect with me on LinkedIn or email me directly: adam[at]magnetmonster.co.uk

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PSP Angels VIKTORIA SOLTESZ Founder of PSP Angels

The importance of payment strategy I always say: good planning is half the success. I used to work as a tax advisor, so my clients used to ask me first when they wanted to optimize their company’s expenses. Now, I run a payment consulting company, as the first thing we need to chat about is their payment providers and banks.

working tomorrow. The more money we have in the bank, the more we pay them (negative interest).

Q Why? Because today the banks hold all the cards.

1) Think like the bank For the banks, money laundering and chargebacks are the biggest threats. When the bank’s compliance is not comfortable with any aspect of your business, or transaction, they more likely to reject than to ask further questions. Offshore entity in the group? Red flag. Shareholder’s nationality is different than the company’s registration? Explain. If your secretary doesn’t understand something about the information you share with your bank, the compliance will neither.

The clearer the structure, the better the acceptance.

So many companies fail to realize that their most important bottleneck of their operation is actually the payment and banking. But how many of them turn to their payment specialist when it comes to operational planning?

The increasing level of banking restrictions and new legislations force every business to revise their cash flow and asset keepings regularly. We can never be sure that our bank (and bank account) will still be

GAME CHANGERS Issue #26

Q So its clear - the payment strategy is more important than ever. But how do you actually plan when it comes to payments?

2) Localise One of my clients was confident they will be successful in Germany with only card payments.

After investing almost quarter of a million in marketing, he realized that people will simply not enter their card details onto his website. We quickly added Sofort to his website and he had a 50% increase in sales in the first month. Smaller business owners often don’t have the opportunity to gather market intelligence about every country they receive orders from. However, localisation is the key to good conversion. Every country has its own preferred online payment habits; developed over time through local circumstances and often with origins in offline shopping. To optimise your conversion rates, you need to offer the right choice of payment methods. Whatever your client prefers, you should prefer too.

3) Hunt down the right providers Calling up all the available banks and other payment providers and trying to get accepted by them is a hard and time-consuming work. Trying them out is even harder. Some of them have good fees but the conversion rate is low. Some of them are giving you excellent service but they just cannot settle to your bank account. The higher your company’s risk category – the riskier the bank who will accept you. Finding the balance between “your ease and your fees” is hard. Payment is an everchanging market with new players on the field and if you don’t keep your eye on the market, bet your competition will.

4) Use an expert Payment is not something you can learn at school.

The industry experience has an incredible value but is very rare to find. Hiring a well-connected, full-time head of payment is a very expensive investment mainly for smaller operations.

Using a payment consultant can significantly reduce your banking an operational cost overall.

Pointing you to the right provider can cut the time you spend on research and application. Finding a cheaper way to send foreign currency payments abroad can cut your banking fees by 90%.

Introducing your business to that prestigious bank who would not accept your business off from the street can be priceless.

A good consultant can not only highlight certain areas of the company structure which might prevent you to be accepted by the best providers but can also divert your attention to new developments which you might not have even thought of.

Viktoris Soltesz Founder of PSP Angels

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Canna…Business!

DEJAN DEKIC High Risk Payment Specialist

Q We first met a couple of years ago when you were working for Fair Trading Technology, how did you get into FX? After ten years of service in the army, which carried a lot of excitement and risk, but also allowed me to study in an area that I was interested in since I was a kid - the financial markets and everything moneyrelated honestly, I decided it was time for a change.

What seemed very exciting, and dynamic with a lot of potentials was the FX industry. I started working with one FX broker as an account manager and later progressed to the retention manager.

Q Did your ten years in the Army help you with a sales career?

Yes, sure!

One of the lessons I’ve learned in the army is how to deal with problems, whatever they might be. You see, in my opinion, sales are every interaction we have with the people. What underlies sales is also identifying problems, facing problems, solving them.

Q You also have an incredibly successful consultancy, helping high-risk merchants find a payment solution. Why did you pivot to this industry after a successful FX career?

Zoran Radovanovic CEO of BREINROCK

Deposits issues!

I remember sitting at home one weekend, thinking about all the declines from the week past.

Then I did some research on the matter - why does that happen, how, who’s facing those issues and about the ways to solve them. I came to realize that the key to fixing problems is not in what you know only, but who you know as well.

The turning point and the most important milestone entering the consultancy business was when I’ve realized that by helping high-risk merchants reach their goals I’m also helping their clients satisfy their needs.

Being a high-risk merchant comes with a lot of challenges, and I am here to not only help with payment solutions but instead all kinds of issues and your business needs.

Q The Marijuana / CBD business is now booming, however the age old problem of accepting funds and finding a banking solution is tough. Why is this?

The future looks great for CBD, you are right!

Selling CBD is a lot more complex than selling alcohol, pharma, or e-cigarettes, and the industry is moving fast and constantly evolving.

If you run a CBD business, it could be considered a marijuana-related business, MRB.

With MRBs, banking institutions must subject you to enhanced scrutiny for risk assessment.

CBD and marijuana-related products are considered “high-risk” because they are part of an industry with frequent chargebacks and varying legal statuses.

Well, it’s a good question. First and foremost there are some basic steps one needs to make in order to start with scalable business.

Here are some main steps for you:

Honestly, the chances that regulators will be investigating and punishing you for working with a business selling CBD products from unknown parts of the cannabis plant are probably small. It seems difficult to prove from which part of the plant a particular CBD product was made, labeling notwithstanding.

1. Make a business plan 2. Have a financial model 3. Get your license 4. Have a place that’s big enough, safe enough, and legal enough, to keep everything 5. Get your fleet 6. Find proper Delivery Management Software to boost your business 7. Develop the website and brand your appearance

However, you must know that those chances are not zero and are possible. Let’s mention that even in this “green gold rush,” so many businesses have flocked to selling CBD that it is difficult to separate the good guys from the bad actors.

You can promote your service directly through special platforms and you will convert more by maximizing the customer experience.

Q Why do clients come to you, what’s your USP?

Q How can you solve the problem?

Q Does this also extend to ICO and offshore FX?

Some people like hard work - I like smart work.

I am blessed to know many great and different people.

I read a lot. I learn a lot.

Don’t get me wrong here, I am not the smartest person in the room and if I can’t solve the problem you might have - I’ll know someone who can.

On top of that, you will spend less time as well as money, so your business needs will be accomplished.

YES, of course! Precisely, this extends to anyone who is “flagged” as a high-risk business.

Q How can people find out more about how you can help?

Q What will you suggest to starters in CannaBusiness?

Let’s connect! The one way is LinkedIn.

Connection, Connection, Connection. Direct contact with key people in more than 50+ payment processors, CBD friendly banks, EMI’s, lawyers…

The one solution can be, as well, to become your own payment processor!

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Game Changers Magazine

Lifestyle

GAME CHANGERS Issue #26

Should women exercise like men when trying to get lean ?

DINO ERMOGENOUS Online Physical Training Coach

I think we should all be making similar decisions when it comes to our health and fitness.

However there is one main thing that we need to be taking into consideration here which is the hormonal profile.

Men have higher testosterone and lower oestrogen and progesterone. Women on the otherhand have higher levels of oestrogen and progesterone.

Naturally it’s going to be more difficult for a woman to drop bodyfat

Now you cant get lean you can but i dont recommend getting really lean because of exactly this Mens bodies on the otherhand are exactly the same all year round.

Yes a mans training protocol should breathe and adapt as your his body, strenght, stamina etc changes but for a woman things get a little more complicated when it comes to programming and nutrition.

So listen up ladies this next part is specifically for you :) When going about your training protocol a woman should take where she is inisde of her cycle into consideration

The female body is always thinking right we can preganant next week next month so dialling back your fat percenatges as females will always be more difficult

In the first phase the follicular phase oestrogen is more dominant.

Theres a healthy range where you can get pregant as time goes on if you get really lean chances of of you being fertile or if you could actually decreases

Oestrogen actually supresses appetite and increases the fat burning enzyme in the skeletal muscle so dieting won’t be an issue also performing complex movements (i.e. barbell hip thrust, barbell squats) will be easier.

So a lot of the fat stores are there to increase the chances of you get pregnant and survive pregancy

Its in the second phase where things get a little trickier when the dominant hormone becomes progesterone.

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Progesterone actually causes women to have cravings.

Women are have to have an extra 100 to 300 calories extra as there metabolic rate increases but studies have actually found the average woman has 500 calories extra per day in this phase.

Don’t worry ladies you can still get lean ladies but there’s just a few things we need to take into consideration.

Dialling things in and out in the different phases you find yourself is key as we always want to be following a protocol that we can adhere to in the long run in order to get sustainable results So my advice to a woman wanting to get lean would simply be this.

Focusing on complex movements (i.e barbell squats, barbell hip thrusters) is going to give you the best bang for your buck.

You’ll grow and expend more calories when executing these exercises. They’ll also really help in executing day to day movements (e.g climbing a flight of stairs).

If you’re not sure on how to do these movements it’s definitely a good idea hiring someone to guide you through it.

You’ll do especially well with these movements in the first phase of your cycle. In the second phase you may want to think about dialling things back a bit and focusing on machine based exercises Ladies are especially good with endurance compared to men, so don’t be afraid to throw a little volume, increase the reps and take advantage of you’re natural ability.

In terms of diet you always want to make sure you get enough protein in, a minimum of 1g per kg to be on the safe side.

This is especially important in the second phase of your cycle as cravings increase and protein will help you keep satiated.

You’ll also burn more fat, less carbohydrate and less protein than men at the same exercise intensity. So upping your fats and coming down with your carbohydrates may be something you want to think about moving forward.

At the end of the day everyone is different. We all react differently to different stimuli and a lot of it comes down to you being your own best scientist.

I want you to treat this as a scientist would do an experiment.

Some results come back positive and some negative but all are data point that will ultimately lead you to the right answer as long as you keep going.

Until next time, Coach Dino

GAME CHANGERS Issue #26

Staying in is the new going out!

After staying in your abode for 45 days straight, nothing says ‘I can just about still tolerate you on a very base level’ than making the perfect lock down meal for the person who used to cohabit your heart, now sadly just sharing a Covid free you are sharing a living space with.

Let Game Changers show you how to win back the affection of your former lover, who only 2 hours before you plotted their downfall for using the last of the toothpaste.

Pre meal cocktail.

Saucisse, fèves au lard et parapluie Greet her at entry of what is now known as ‘zone 3’ of your house, and set both the mood and her heart racing (probably from excess salt) with the perfect intimate dinner date cocktail.

Preparation time - 1 minute.

1. Open the can of baked beans, pour into glass.

2. Add 1 large or 2 small hot dogs.

3. Insert into microwave for 30 seconds.

4. Insert the umbrella to the tip of the sausage.

Main course.

Ramen medley.

Making sure you have the correct amount of calories according to the new government guidelines, to ensure both the procreation and survival of our species. Ramen noodles have become the staple of dietary requirement of human society.

We love to make this dish, as it will win over even the most negative people who appear to be melancholy at the complete breakdown of society and civil order.

When you found yourself panic several months back, you probably obtained around 30 packets of Ramen noodles. In the modern Covid world having a very low value in the new exchange and barter economy, there has never been a better time to use them!

GAME CHANGERS Issue #26

With a multitude of flavours that will mesmerise your end of the world palette, you have an ocean of choices ranging from beef, chicken and fish.

Mathematically there are around 4128 variations you can have of this dish with the trifecta of flavours you hoarded from your local supermarket.

Moreover, if the lucky lady in your life is still a Vegan in the face of Armageddon, Treat her to a double packet of vegetable. You can thank Game changers later ;-) Preparation time. Dependent on provision of electricity / fire.

1. Heat water to boiling point.

2. Choose which medley of noodles you like. Such as beef and Vegetable.

3. Cook noodles until soft.

4. Drain of excess fluid and use as a soup starter.

Desert course.

Whatever you foraged from your latest looting at the bakery.

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Corona Couture - How to stay chic working from home.

The modern business man is judged not only upon the powerful message that often is keenly received by the room full of anticipating colleagues, his powerful alpha fashion sense will convey a subliminal message of both security and power to his underlings.

Those unwritten sartorial words will both blind and penetrate the receivers brain, leading you to the path that you rightly belong...the top!

With the lock down in many countries now securely in place, how can the modern man stay effortlessly chic along with staying comfortable from his home, AKA the sales power station!

Game Changers examines these ‘fashion de la maison’ designs, that every leader must have to survive, in the modern homeworking for business Goliaths!

The Game Changers data analysis department studied the latest cutting edge sleep / fashion habits of male leaders. Our analytics found that 80% of readers are not getting out of their sleep attire until 11:30 am. Using this data, we have assembled the latest in condo couture.

With many of the leading fashion houses battling to be the first to get their designs ready for Spring 2021, Game Changers gives you an exclusive look at the latest stay at home fashion, to give the modern man the upper hand in any negotiation.

Relaxed power dress.

When the business lion awakes from his Uber power sleep, no need to shower and change like a mere drone bee.

Other humans both respect and crave your alpha man musk, which must be enveloped within the worlds leading men’s slumber attire.

The daily habits of the modem sales hunter working from his theatre of persuasion, is to operate in a streamline of clothing choices. This keeps his brain power firing at optimum speeds, to out manoeuvre his slow witted prey..

The less AM choices he has to make, the more space for power choices.

You can tick all the fashion boxes,with a dash of Parisian flair along with classic Germanic angular lines, by wearing cutting edge sleep / leisure wear, now known as ‘slezure’ to dominate those Beta’s in your decision circle!

Formal active wear.

Staying professional but also having that relaxed feel of having a cotton clad body, can be nigh on impossible to find. Some even claim that it is the Holy Grail of power dressing, to being enclosed in that home cotton comfort. How can a super man of sales achieve this look?

Having the all important elastic waist band / support girdle can put your mind at ease that you are not increasing in size, despite having your 5th English Breakfast of the week.

Real sales super men know the you cant make an omelette without cracking a few eggs, and my goodness you are cracking them all on your plate working from home.

Wearing these wonderful accoutrements will make you feel like you have run a marathon, despite having completed no physical activity in over one month.

You can have the look of having completing some moderate form of physical movement, whilst eating a packet of biscuits watching an old rerun of Top Gear on Dave +1.

With its shiny base material, this will absorb the most stubborn of curry stains, with no need to wash these puppies until they actually walk to the washing machine themselves.

Keeping with the relaxed theme of sports wear chic, and mixing it with almost military formality, you can become the talk of your competitors with the apparel in which you will be described as’ an absolute legend’!

Footwear Keep it light and streamlined by eliminating the need for wasteful shoe laces. A carpet based house shoe, twinned with your ‘slezure’ suit of armour will give you maximum cornering speed when manoeuvring them tight corners, from kitchen to front room. You will never spill your hot beverage, also disintegrate an accompanying fist of biscuits.

Breaking free from the workstation? Try on a pleather slip on shoe to really add the exclamation mark to your look. If you are going to a sales pow wow with similar aspiring C Level decision hawks, or just getting some milk from the kiosk. You can be the talk of the town with this elegant and efficient ensemble

P - 31

NUT JOB! - Make your own conspiracy!

Being on lock down can be incredibly hard in trying to keep the family entertained. And lets face it, we would rather die from the pandemic than play either Monopoly or Scrabble.

Nut job is fun for all the family, where you can make your own conspiracy. Why stick to the truth, when a game of nut job shows you the true reality!

Rules:

Bonus points:

• •

You can gain additional points by acting like Game Changers Magazine favourite conspiracy theorists.

•

Each player must wear the tin foil hat.

Each player must pick a number from each section.

The player must then make a convincing story lasting no longer than 9 minutes 11 seconds to gain a point.

Alex Jones. Achieve high levels of excitement / anger when telling your story.

David Icke. Insert the statement ‘that’s what they want you to think’.

Mr Crypto Bore.I nsist that the international banking system is a con.

Once the winner is declared, they receive a job for life at the Daily Mail.

Did you know?

Was in charge of...

Their motive is

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George Soros Hillary Clinton Lizard people Queen Elizabeth Bill Gates Vladimir Putin Jeff Bezos Mark Zuckerberg Tony Blair Donald Trump

5G melting my brain World trade centre explosion Chem trails from planes The Illuminati Never landing on the moon Assassination of JFK We live on a flat earth Chemicals in water turn you gay Cashless society

Accompanied by

But really they are a shill for..

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Greta Thunberg Kim Khardashian Elon Musk Dwayne Johnson Cristiano Ronaldo Taylor Swift Scarlett Johansen Lionel Messi Taylor Swift Chris Hemsworth

Global domination of a One World Government Prop up a failing capitalist system To let the lizard people take back control Working in conjunction with alien beings Stopping the Communists take over Big pharma stopping a cancer cure To let people know the earth is only 6000 years old To bring on the rapture Mind control and subservience of a population

The United Nations The Chinese Government Our overlords who control the simulation Metropolitan Liberal elite The BBC The European Union The 1% Saturn and his minions The CIA The British Royal Family

P - 33

ISSUE #26

THE JOURNAL FOR INDUSTRY LEADERS

www.gchangersmag.com info@gchangersmag.com