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00:00:02
and in fact it was a toy for me.00:00:05
My total capitalization was 5.8 billion dollars. 00:00:07
My business grew to a political scale.00:00:10
Public officers don’t like me.
I had it all taken away from me.00:00:13
I had criminal cases filed against me00:00:15
under eight articles. 00:00:17
I was wanted by Interpol.
At any second I could go to jail.00:00:20
Margulan as he’d been was no more.00:00:23
After all, your ultimate goal is not to miss your life.00:00:25
John Rockefeller once said, “I can report 00:00:30
for every million earned by me00:00:32
except of the first one”.00:00:34
And can you? – Yes, I can.00:00:39
Margulan Seisembayev, 54 years old, a Kazakhstan investor, 00:00:43
traveler, social activist 00:00:45
and businessman. At the peak of his success, 00:00:47
his companies were worth nearly six billion dollars. 00:00:49
In 2009, the businessman lost 00:00:52
most of his fortune. 00:00:54
Now Margulan is worth more than 00:00:57
one hundred million dollars. 00:00:59
MILLION ON MILLION00:01:03
– The first money earned: when and how was it? 00:01:07
– My father always involved me 00:01:10
in different kinds of work. 00:01:11
He was an agriculturist and grew alfalfa. 00:01:17
It was an animal farm where he grew 00:01:18
alfalfa, sainfoin, 00:01:20
all that’s needed for silage. 00:01:22
He also grew watermelons and melons. 00:01:24
My father loaded watermelons and melons on the truck and we went 00:01:27
to a neighboring state farm00:01:28
and the prices there were just pennies, 00:01:30
so I stood in the heat all day and did the trade. 00:01:33
I sold them and brought my father 00:01:37
the earnings, my father counted them, he took the paper money 00:01:40
and allowed me to keep the kopecks. 00:01:42
Kopecks weren't much, 00:01:45
and from that moment on I had a lot of luck 00:01:46
and most of my sales were in kopecks, 00:01:47
not rubles. Then my father 00:01:50
caught me on this, but the fact is that I, 00:01:54
so to speak, tasted money 00:01:56
in this kind of things, 00:01:58
at various jobs, like guarding 00:02:01
vegetable gardens, so my father always 00:02:03
involved me in matters 00:02:06
where I had to earn money.00:02:09
–Now let’s talk about the first business. 00:02:11
Where did you start from?00:02:14
– We were overly romantic 00:02:17
about business and the first thing we did 00:02:19
was we hurried up to register the company. 00:02:21
Having done that, we thought 00:02:24
the money would start flowing, after all, 00:02:28
we’d registered, we were already a company, 00:02:30
businessmen. And we realized that registration 00:02:33
didn’t mean anything at all. 00:02:36
We had to do something. And then I said to my deputy 00:02:39
who was registering the company, I said, 00:02:40
“Look, what problems do we have?” 00:02:43
The main problem was furniture – 00:02:44
we had nowhere to sit on, we were sitting on the floor. 00:02:47
I said, “Well, then we’ve got to buy 00:02:52
and sell furniture”. On the same day, 00:02:56
I had a marriage registration 00:03:00
with my spouse. I went to the registrar’s office, 00:03:04
me and my wife were sitting there, I was to the right, she was to the left, 00:03:07
and the madam with a red ribbon asks me, 00:03:12
“Do you agree to take her as your wife?” 00:03:14
And in the meantime, I’m shuffling under the table with my hand 00:03:17
trying to find the label because in the old days, 00:03:19
in Soviet times, they used to put labels 00:03:21
under the table top and under the chair. 00:03:25
I ripped the label off and said, “Yes, I agree, 00:03:27
I agree, I agree to everything, I agree to everything” 00:03:29
and ripped the second label off. Then, when I got home, 00:03:31
I saw 00:03:33
that the tables were made at a furniture factory in Almaty, 00:03:36
and the chairs were made at a factory 00:03:38
in Kokshetau. And that’s how we started 00:03:40
the business: we bought two carloads 00:03:42
of chairs, we bought a carload of tables, and we quickly 00:03:45
sold them out. 00:03:46
We took our first loan in Wiedergeburt bank, 00:03:48
it was a German bank 00:03:50
that the German government 00:03:53
founded in Kazakhstan specifically to support 00:03:55
the Germans not to go to Germany, 00:03:58
not to return to Germany but to start a business 00:04:00
in Kazakhstan. One of my deputies was Robert Steiner, 00:04:04
he was German, that was 00:04:07
a coincidence, 00:04:08
so we went to Wiedergeburt bank and got a loan. 00:04:11
It was around 100 thousand dollars. 00:04:14
– Why do you think those young, 00:04:16
aspiring businessmen were so easily approved for a loan?00:04:19
– At that time, there was no notion of “pledge” at all, 00:04:21
no one understood what a pledge meant. 00:04:24
It appeared after the Soviet Union, 00:04:26
but back then, there was no idea 00:04:28
that anyone could screw someone over. 00:04:30
It was unthinkable not to fulfill obligations, 00:04:32
you had to do it. So we submitted 00:04:35
an application, showed contracts to procure furniture 00:04:37
and explained what we were going to do with it. 00:04:42
We only had a business plan 00:04:44
of some two pages.00:04:47
– What was Margulan Seisembayev's peak 00:04:49
capitalization?00:04:50
– My total peak capitalization was 00:04:52
5.8 billion dollars plus or minus hundreds of millions. 00:04:55
Approximately 5.8 billion dollars. 00:04:59
But it was primarily thanks to Alliance Bank, 00:05:02
its market capitalization 00:05:04
on the London Stock Exchange was four billion. 00:05:06
I had a coal mining company 00:05:08
that later was sold for 1.2 billion dollars, 00:05:12
I had a big real-estate 00:05:15
development company, 00:05:17
I had a one-third stake in a big oil company, 00:05:19
and plus hundreds of other businesses 00:05:22
that add up to 00:05:23
200-300 million. 00:05:26
But estimating it roughly, it’s about 5.8 billion dollars. 00:05:27
– How did it happen 00:05:32
that you lost your assets?
– Well, I would say 00:05:36
that I didn’t lose it – I had it all taken away from me. 00:05:40
I had all my assets taken from me, I had all my assets seized, 00:05:44
I had criminal cases 00:05:46
filed against me in Liechtenstein, 00:05:50
Switzerland, Dubai, London 00:05:52
and Kazakhstan. 00:05:53
Seven countries, about 7-8 articles. 00:05:58
There was everything: creation 00:06:00
of an organized criminal group, 00:06:04
creation of a criminal association, 00:06:06
money laundering and fraud – 00:06:07
they framed up everything. I was wanted by Interpol, 00:06:10
my employees were intimidated, 00:06:12
under criminal proceedings or on the run, 00:06:14
all major law firms refused to defend me, 00:06:16
all auditing companies refused 00:06:18
to help me do an audit. 00:06:22
My reputation was completely ruined, 00:06:26
because every other day 00:06:29
the media published what a scoundrel I was, 00:06:32
how much I had stolen, and so on. That is, the financial police 00:06:34
poured crap on me every day 00:06:39
and it was just a cascade of bad news.00:06:42
– Now do you understand why this happened?00:06:44
In fact, I understand the reason 00:06:48
why it was done: on the one hand, the debt 00:06:50
of Kazakhstan banks to Western creditors 00:06:52
was big enough 00:06:54
and it was one of the tools how to write 00:06:57
that debt off, that is, 00:06:59
to blame the old shareholders, 00:07:01
then come to the creditors and say, 00:07:03
“We filed criminal cases, 00:07:06
it’s all their fault, you either write off your loans 00:07:09
or deal with it yourselves 00:07:13
or we will start a bankruptcy procedure,” 00:07:16
this was used more as a tool.00:07:18
– How did you manage to live through that situation?00:07:21
– At that point, I quickly realized that the situation 00:07:24
had changed, that the old life was gone, 00:07:27
Margulan as he’d been was no more, 00:07:30
from that point on life would be different. That is, prompt acceptance 00:07:32
of new reality. I quickly accepted 00:07:34
this new reality and instantly made up a plan 00:07:36
how to improve the scenario every day. 00:07:39
The global plan and general trend were clear, 00:07:41
but at the same time I understood 00:07:43
that I could be prevented from fulfilling this plan 00:07:45
because at any second I could go to jail. 00:07:47
There’s an interesting effect: 00:07:49
when bad news 00:07:52
come thick and fast, 00:07:55
you lose sensitivity 00:07:58
and start concentrating 00:08:00
on the main things. 00:08:01
First of all, I realized that my main asset 00:08:03
is my health, the second one being freedom, 00:08:06
and the third one, very important indeed, 00:08:09
was not to miss out on life, because 00:08:11
it goes on regardless of your problems. 00:08:14
So it happened that I became a father 00:08:16
of twins in 2008, they were less than a year old, 00:08:19
and I had to spend time with them 00:08:22
somehow, find time for the family, 00:08:25
they had no idea of what was happening, 00:08:28
so, on the one hand, I would sue and sue 00:08:30
and then they would suddenly grow up, 00:08:32
life would have passed, 00:08:34
so I had to solve a three-pronged problem. 00:08:37
– You often say that 00:08:40
one should take responsibility. 00:08:42
What particular mistakes in this particular situation did you make? 00:08:44
What did you do wrong? 00:08:48
– My main mistake was that my business grew 00:08:51
to a political scale, 00:08:53
that’s what I call it, a political scale is when 00:08:55
you pose a threat 00:08:57
to existing politicians. 00:09:01
One shouldn’t grow 00:09:02
to a scale when he/she embodies 00:09:05
a threat by the very existence, 00:09:08
because I could easily 00:09:11
finance opposition parties 00:09:12
and so on with that money. 00:09:15
It’s clear that I didn’t have this intent 00:09:16
in mind, but who knows? I unnoticeably went 00:09:19
from one game to another, 00:09:21
like I was doing gymnastics or wrestling 00:09:24
and suddenly emerged on the ring. 00:09:27
I realized that one shouldn’t mix games up. 00:09:29
– Recently, you’ve been at a business forum in Belarus. 00:09:32
Many people didn’t understand that, you were hated. 00:09:36
What do you think about it?
– Many people think that 00:09:38
if you go somewhere, you support the regime, 00:09:41
but I approach it differently: when I go somewhere, 00:09:43
I support the businesspersons. 00:09:47
I believe that it’s not ordinary people 00:09:49
who are to blame in our countries, but the politicians, 00:09:52
and the fact that Russia and Ukraine are at war 00:09:53
is a question of war among the politicians 00:09:57
rather than ordinary people. I thought that if there was something I could help 00:10:00
Belarusian entrepreneurs with, 00:10:02
that was one of my missions. 00:10:05
Fighting the regime 00:10:07
is not my function. 00:10:10
Not going there because of what 00:10:12
Lukashenko did? 00:10:14
Look, I support people, 00:10:16
businesspersons, 00:10:17
not Lukashenko. 00:10:18
MILLION ON MILLION 00:10:23
– How much are the clothes you’re wearing now?00:10:25
– The most expensive thing is my Apple Watch, 00:10:30
I guess, 00:10:31
this costs some 25 dollars, this shirt is some 50 dollars, 00:10:35
the trousers 00:10:36
are some 100 dollars maybe, the trainers, well, 00:10:40
some 150 dollars, I don’t know. Actually, 00:10:43
in this sense, I can come to a shop 00:10:46
and buy everything I like, 00:10:49
and I don’t really care how much it costs. 00:10:51
It can be like I come to a shop, 00:10:53
stock up on clothes that cost 300 dollars in total, 00:10:55
and I would be happy up to the ears. On the contrary, 00:10:58
there was a case in Kiev, I came to a shop 00:11:01
and urgently needed to buy a vest, 00:11:03
something else for the performance, a suit 00:11:06
and so on, and I was invoiced with 00:11:08
17,000 dollars. So, I paid, but there’s no difference whether it’s 17,000 dollars 00:11:12
or some 200-300 dollars. 00:11:15
– Do you love luxury, in general?
– Well, “luxury” for me 00:11:19
is when you put on or buy something 00:11:21
because of its brand, rather than technological perfection. 00:11:24
As for me, I buy because of technological perfection, 00:11:27
and the helicopters I’ve bought, too – 00:11:29
not because of their price but their technological perfection. 00:11:31
Those two AW139 helicopters – 00:11:33
I bought them because of their 00:11:35
four-axis autopilot – back then, 00:11:37
there was no four-axis autopilot 00:11:38
in the market at all. And I was thinking about buying a house, 00:11:41
there was a nice house 00:11:45
which cost 150 million dollars, 00:11:47
it was located on a small peninsula. 00:11:50
I was already about to buy it, agreed on the purchase, and then the thought came to me 00:11:53
that I would wake up in the morning 00:11:54
and see the same view. 00:11:57
So, what could substitute a house? 00:11:59
I realized that a yacht could be such a substitute – 00:12:00
you have a swimming pool 00:12:03
and a beach00:12:04
nearby every day, a helicopter aboard, 00:12:07
you can sail across the Red Sea, 00:12:09
the Mediterranean and so on. 00:12:10
Well, a yacht appeared to be more functional 00:12:12
than a house. The yacht cost 70 million dollars, 00:12:15
and in fact it was a toy for me, 00:12:17
rather than a luxury product.00:12:19
– You often stress it out 00:12:21
that you’re a religious person. 00:12:24
Is it easy to combine it with business? 00:12:27
– A person has two operating systems: 00:12:29
one operating system 00:12:30
is a carrier00:12:31
like Windows, iOS, Android and so on,00:12:35
and there’re plenty of applications – 00:12:38
HR service, logistics, sales, 00:12:40
marketing, etc. 00:12:42
So, if your basic operating system 00:12:44
has a bug or error, all your applications 00:12:47
will work with errors. So, if the worldview 00:12:50
is not aligned, your applications 00:12:52
will never work correctly.00:12:55
That’s why most of prominent businesspersons 00:12:58
come to a philosophy, 00:13:00
psychology, changes in the self 00:13:02
and worldview. To my mind, in this sense 00:13:05
religion is the most powerful tool because, 00:13:07
look, science is like a lamp post – 00:13:10
it illuminates around itself but, 00:13:12
unfortunately, it’s just a small spot00:13:15
of light. When you operate in the light spot, 00:13:18
you won’t make great progress.00:13:20
What is important is how you operate in the darkness.00:13:24
Science gives no answer on how to operate00:13:25
in the darkness, while religion does.00:13:28
It states one shall believe00:13:30
because nobody knows to a full degree00:13:33
how this world works and how one shall behave properly.00:13:36
– Have miracles happened in your life? 00:13:38
– You know, miracles happen to me00:13:40
all the time. I was building a tannery, once I came 00:13:43
there and the director of that tannery 00:13:45
told me00:13:46
they needed red wood vats – he hadn’t00:13:48
taken it into account – and it was made of boards. 00:13:50
“How could you leave it out?” I wondered, “The plant00:13:52
is almost 70% ready.” So, I got into my BMW, 00:13:56
headed for Almaty, thinking about 00:13:58
the problem, and at that point 00:14:01
trucks with big vats were passing by.00:14:04
“Seems like someone is building a brewery”, I thought. 00:14:05
I turned around quickly, run after and stopped them. 00:14:08
It turned out a Chinese guy was delivering those vats00:14:10
for a plant in Southern Kazakhstan.00:14:12
So, I bought those vats up, and he00:14:17
ordered new ones.00:14:18
It seems that it was once in the whole history of Kazakhstan 00:14:20
that 12 redwood vats with the proper diameter 00:14:24
were being delivered along that road, and what a mercy – 00:14:27
at this point I was driving there 00:14:30
and I was the only person in Kazakhstan 00:14:32
who needed those vats. 00:14:34
An unbelievable miracle, indeed. 00:14:36
In my life, I always pay attention 00:14:39
to such things, to some signs, 00:14:41
I realize that God talks to me 00:14:44
through these signs. If God closes 00:14:46
a road for me, I don’t run my head 00:14:48
against this wall, I look at00:14:50
which road is open. 00:14:52
MILLION ON MILLION00:14:55
– As far as I know, 00:14:57
there’re limitations 00:14:58
for the borrowing rate in Islam.00:14:59
Is it possible to run a business00:15:01
in this situation, after all?00:15:04
– Look, when you focus00:15:05
on limitations, 00:15:07
it seems to look badly, but the essence 00:15:10
of Islam is in justice.00:15:11
For example, Islam allows to loan out, 00:15:14
but the approach is that, for example, 00:15:18
when I loan money to someone, the person 00:15:21
that borrows dictates terms. Being a creditor, 00:15:23
the only thing I can say is “Yes, 00:15:26
I can loan out” or “No, I can’t loan out 00:15:29
under such conditions,” that’s it, I can’t 00:15:31
push anything through. Islam is meant for00:15:33
increasing the degree of concord 00:15:36
between people in society, for making 00:15:38
the level of justice higher. 00:15:39
– There’s an opinion that all businesspersons 00:15:42
give bribes. Have you ever had to do it?00:15:46
– I’m a very independent person by nature,00:15:48
I don’t like depending on anyone, that’s one.00:15:50
Two – as they call it,00:15:54
“as bold as brass” – I can’t 00:15:57
accept that someone 00:15:59
would be above me – by the status,00:16:02
rather than by achievements. That’s why00:16:06
I don’t like public officers that much, 00:16:08
I don’t grovel before them,00:16:10
and I don’t like to get into situations 00:16:12
when I have to show regard00:16:14
for them artificially. 00:16:18
I don’t like such situations at all, 00:16:20
and for that reason I conflict with public officers all the time, 00:16:21
they don’t like me, 00:16:23
and the feeling is mutual. 00:16:25
– Is it possible to create a business in Kazakhstan 00:16:27
giving no bribe at all?00:16:29
– It’s like when you’re on a diet – 00:16:31
you see food everywhere, 00:16:34
you smell the food everywhere, it seems to you 00:16:37
that everyone does nothing but eat. 00:16:39
The same thing here – if you believe 00:16:41
that nothing is possible without bribes, 00:16:43
everyone will milk you – traffic police, public officers, everyone.00:16:46
Of course, I’ve faced situations 00:16:48
when it seemed to be necessary to bribe, 00:16:51
but what I did is I said, 00:16:53
“Right, I broke the rule, let’s register it”.00:16:55
The problem is that people cut corners00:16:58
because they rush to achieve their goals,00:17:02
but if you pay attention to the process, 00:17:05
a perfect process, 00:17:06
you don’t cut corners 00:17:09
but just move on, and, interestingly, 00:17:13
in most cases they let me go.00:17:15
– Which style of management 00:17:21
do you think is more efficient – 00:17:22
authoritarian or democratic? 00:17:26
– You know, it depends on how the business 00:17:27
is developed: 00:17:28
the lower the level of its development, 00:17:30
the more authoritarianism 00:17:32
is needed, 00:17:33
because, being at such a stage, you tell people00:17:35
what to do, how to do, when to do00:17:37
and so on, and control it. 00:17:38
While the business is growing, you must00:17:41
rely more on the freedom and intelligence 00:17:46
of your employees, of your team,00:17:48
because here you build your team 00:17:49
not with “foot soldiers” but with people 00:17:52
who are sometimes even more competent than you’re.00:17:55
It’s bad if you’ve incubated democracy 00:17:57
at a low level00:17:59
where the staff 00:18:01
lacks discipline 00:18:03
and a proper level of development.00:18:05
And it’s also bad when you try to apply 00:18:08
dictatorial tactics to manage creative people, it’s just impossible. 00:18:11
MILLION ON MILLION00:18:14
– Millions of people start a business, why do only a few succeed? 00:18:19
– To succeed is a real art. 00:18:21
Most people trust in a stroke of luck,00:18:24
and only a few think about a consistent, 00:18:28
regular success. The first rule: keep playing00:18:30
as long as possible. If you come 00:18:33
to a casino and I give you, for example, 00:18:36
one thousand dollars, 00:18:38
you play, and if there’re no limitations 00:18:40
and your task is to make as much money as possible, 00:18:42
you’re likely to dice away all money 00:18:44
by midnight, but if I set 00:18:47
a task like, “Look, someone will have luck00:18:50
until the casino closes at 6 a.m.”00:18:52
You’ll start betting some 3 dollars, 00:18:54
one dollar, five dollars at once,00:18:55
you lower your bet down because your goal00:18:57
is to hold out and keep playing 00:18:59
as long as possible. And the art is that 00:19:02
the one who holds out in the game the longest 00:19:05
and makes bets more than anyone else, 00:19:07
making them big – 00:19:08
if you want to hold out for a short time,00:19:13
making big but few bets, 00:19:16
you need more luck. 00:19:19
If you’re not that lucky, try to hold out00:19:22
in the game as long as possible,00:19:24
make your bets as small as possible00:19:28
and make them as frequent as possible. 00:19:30
When you find the path you’re lucky in, 00:19:33
just straddle, and then the principle 00:19:37
“make the strong stronger” starts working. 00:19:40
– Imagine I’m a starting entrepreneur. 00:19:41
Which niche would you advise me today?00:19:46
– As I always say, do only what you love to do.00:19:49
That’s the only thing worth doing00:19:51
because, look, when you do 00:19:54
what you love to do, you’re always 00:19:57
more efficient. The one who loves00:19:59
his/her business spends an hour more00:20:01
at work, burns 100 more kilocalories00:20:03
and is ready to do the same things 00:20:04
making less money. Moreover, 00:20:06
the one who loves his/her business 00:20:08
aims for mastery, rather than 00:20:11
some money outcome; he/she aims at 00:20:13
improving the business. 00:20:15
That’s why no matter what the competition 00:20:17
is there – if you’re best in what you do, 00:20:20
if you love the things you do, 00:20:22
you’ll just move everyone there and fill the niche00:20:24
That’s what the principle of this art 00:20:26
is about: firstly, to start living 00:20:30
a happy life, and this is highly likely 00:20:32
to lead you to success,00:20:34
since I’ve never seen a happy person 00:20:36
who believes that he/she is not successful,00:20:38
but I’ve seen lots 00:20:39
of successful people who weren’t happy. 00:20:42
So, being happy is more important – 00:20:45
and doing what you love is a component 00:20:46
of happiness – because, after all,00:20:49
your ultimate goal 00:20:52
is not to miss your life.Description:
Билет на денежный трон X10 можно купить здесь https://rybakov.store/ Маргулан инфо – школа Маргулана Сейсембаева https://margulan.info/ Инстаграм Маргулана https://www.facebook.com/unsupportedbrowser Сегодня на троне удивительный гость. По его истории можно написать книгу. Маргулан Сейсембаев человек, который потерял почти все, но не сломался, а даже наоборот превратился в настоящего мудреца от бизнеса. Посмотрите, это интервью. Мне кажется, это один из самых ценных материалов на моем канале. Таймкоды: 0:00 Анонс 0:27 Заставка и профайл 1:00 Первый заработок и бизнес с нуля. Как это было? 2:10 Как удалось начать бизнес? 3:47 Как молодым парням дали кредит в 100 тысяч долларов? 4:45 Почти 6 млрд долларов капитализация 5:30 Как Маргулан потерял свое состояние? 6:43 Причем тут политика? 7:20 Как пережить потерю активов? 8:40 «Главная ошибка, что бизнес вырос до политических масштабов» 9:30 Зачем ездил в Беларусь, поддержать Лукашенко? 10:20 Сколько стоит одежда Маргулана Сейсембаева? 11:15 Яхты и вертолеты Маргулана Сейсембаева 12:20 Бизнес и религия совместимы? 13:36 Чудеса в жизни предпринимателя 14:55 Ислам и банковское дело совместимы? 15:42 Можно строить бизнес без взяток? 17:25 Авторитаризм или демократия в бизнесе? 18:15 К кому приходит успех? 19:40 В какой нише лучше начинать? Деньги и ислам. Как заработать деньги и не сесть в тюрьму? Бизнес секреты Политика и миллиардер. Почему нельзя быть слишком большим? Зачем Маргулан ездил в Беларусь и поддерживает ли он Лукашенко? Как стать богатым на постсоветском пространстве? Коррупция в Казахстане. Можно ли не давать взятки? Как стать успешным? Самые дорогие покупки миллиардеров С чего и как начать бизнес? Что определяет твой успех Что определяет развитие: авторитаризм или демократия? Как стать успешным человеком и что это значит? Маргулан Сейсембай Способы заработка для молодых. Как заработать миллион? Ошибки в бизнесе. Как стать успешным человеком без ущерба Большая прибыль – не путь к успеху, а путь в тюрьму Как стать миллионером, когда был миллиардером? Истории успеха и провала. Маргулан Сейсембаев интервью, которое перевернет ваше представление об успешном успехе Миллион на миллионе – это реальные истории успеха богатых и знаменитых. Здесь обсуждают вещи, о которых обычно не принято говорить. Рекомендую к просмотру Мысли миллиардера – это сборник моих мыслей по самым важным темам. Не только бизнес и предпринимательство, но и другие сферы жизни. Здесь я рассказываю, как не тратить время зря, а превращать его в доход. Также рекомендую к просмотру Секрет миллиардера – короткий, но емкий формат для тех, у кого нет времени, но есть желание изменить свою жизнь. Если интересно саморазвитие, то точно сюда. Игорь Рыбаков – это бизнес канал, где успешный предприниматель делится своим опытом и практиками. Новый альбом по ссылке http://rybakovmusic.com/ Стань мастером своей жизни. Пройди отбор в Академию X10 https://web.x10academy.ru/master_zgizni?utm_source=youtube международный инвестиционный холдинг https://prytek.com/ Мои аккаунты в социальных сетях: Instagram https://www.facebook.com/unsupportedbrowser Facebook https://www.facebook.com/unsupportedbrowser Telegram-канал: https://t.me/rybakovigor Рыбаков фонд - частная филантропическая организация для содействия развитию социально-образовательной среды https://rybakovfoundation.ru/
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