Greetings Everyone! It is my privilege to utilize this platform to share my experiences.

I started my entrepreneurship journey at age 9 in Toronto, Ontario. I had a snow shoveling “business”. A couple of years later, I had a paper route. Like most entrepreneurs, I have faced many obstacles.

In my case, I can say it clearly. I have had more failures than success. But, I would not trade a single failure. Each one has brought lessons.

Throughout my life, I have learned the importance of role-models. They are mentors to look up to. They are who we can aspire to be one day if we do “the work.” Luckily for me, my main mentors and role-models were my parents, Peggy and Larry. They gave me all I needed to move forward in my life.

From them, I learned the importance of having a strong moral compass. I learned what it means to be resilient, to keep my word, and to embody strength and determination.

My parents also instilled in me to never take “no” for an answer, as the impossible is just waiting to be done. Some may say that that’s a downfall of mine, however, I view it as one of my greatest attributes.

I have succeeded. But, as I mentioned before, I have also had many failures. In 2001, I became homeless. It was due to the strain of having to pay lawyers to fight for the right to see my daughter and poor business decisions.

My daughter has always been my number one priority. In 2002, I made the world’s first peer-to-peer global exchange system. I became a multimillionaire by 2003.

I found myself homeless again December 19, 2017 because of a lengthy illness that began in 2012. I had to suffer the indignity of having the sheriff change locks and remove me from my home. I had no money left and was forced to stay in an Airbnb. Then, on September 4, 2018, my wife left me. I was 6 weeks behind in the Airbnb I was staying at (he trusted me and was paid back) and owed over $600,000. I survived on my last asset – HOPE! On September 6, 2018, a friend lent me $4,000. By February 2019, using my own systems, I paid off all my debts and was a multimillionaire again.

I am telling you this to admit that I too have faced personal setbacks. I have had business failures and health issues. But, if you believe in yourself, you see that each time you get knocked down is just another lesson.

I dropped out of high school before I got my diploma. I was on a mission to build my own sales and marketing business at 17. I was and still am of the belief that school is not designed for everyone. School will always exist. But, it does not necessarily foster an environment to learn all the world’s dimensions.

Some individuals need to learn on their own, in their own ways. They may return to some form of education later in life, should they choose to. Alternatively, self-education is lifelong. Anyhow, lo and behold. After dropping out of high school, I soon realized that I could not start a business with no money. Who would have thought, right? Once I discovered this conundrum, I eagerly took the first job that I could find.

I tirelessly kept my first “real” job. Within three months, I saw that I could not work in a structure. It constricted and limited my imagination, creativity, and desire to succeed. Most importantly, it could not give me the space I needed to fail and learn.

Some key accomplishments:

In 1985, I created the Loyalty Card. Now, virtually every service-based business uses it globally. This includes banks and credit card companies. It also includes brick and mortar retail and online businesses. For instance, Shopify, Amazon Prime, Shoppers Drugmart, and Loblaws, Airmiles, Starbucks, and Citibank all have rewards programs. And guess who created the whole idea? This guy!

Most consumer services worldwide have a loyalty program. The program rewards and excites customers. This keeps them coming back and encourages long-term spending.

I believe that in 1995, I created the world’s first Internet Mall. It had over 1,000 retail outlets. They offered discounts to my customers.

In 1987, I was introduced to Network Marketing (MLM). I saw its potential for generating income and growing fast.

During this time, I realized that many people were taking bad loans from the banks. This put their friendships at risk and pulled them into “dream-selling” schemes. They were left to fend for themselves. This was due to lack of mentorship, education, and solid financial plans. Through observing all of the chaos surrounding Network

In marketing, I knew I could create a better model. It could help people worldwide and provide a financial solution for the masses.

Following my success throughout the 80’s and 90’s…

In 2001, I created what is now called crowdfunding. I made the world’s first online global peer to peer money exchange system. In the first 3 months over 44,000 people joined. Ultimately, over 1,000,000 individuals in 170 countries received $1 billion USD.

Now, thousands of corporations, individuals, and even governments worldwide use my systems. They use them to raise funds for everything! Facebook, GoFundMe, and PayPal. Barack Obama, Whoopi Goldberg, and Sylvester Stallone have turned to crowdfunding. They use it to support various relief funds worldwide.

Starting in 2020, I am preparing to execute what I believe will be my greatest global impact- CoopCrowd. CoopCrowd is the world’s first Cooperative Crowdfunding System. I believe that I have created the perfect income system. It is designed to help individuals, charities, and businesses raise money for everything!

CoopCrowd can help people escape poverty. It aids all forms of nonprofits, charities, and businesses. They work together to raise money for everything. This helps people from all walks of life enjoy their full happiness. It has redesigned everything about how and what you can use crowdfunding for. It uses the universal laws of giving, sharing, and receiving.

CoopCrowd turns givers into receivers for the first time ever!

We have entered what I call “The Cooperative Age”. In this age, we will rely on each other. We will cooperatively help each other achieve our own goals.

Uber, Airbnb, and eBay fit The Cooperative Age. They were designed to let individuals earn income where none existed before. Get ready, the 20’s are going to be a game-changer!

And remember, “Happiness Happens on Purpose!”