A

WALK FROM
RAG TO RICHES

The Secret to Own the Tree

Of Riches and Wealth

"I bet it, give me a million dollars today, and I will turn
it into billions dollar within the next 10 yrs."

By

O. O. RAPHAEL
 O. O. RAPHAEL

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the author, except in the case of brief Quotations with proper
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ii
A WALK FROM RAG TO RICHES
 O. O. RAPHAEL

~NOTE~

This book is part of the financial freedom and wealth creation

series, and is not like any other text book in the marketplace.
All discussed topics in this publication are designed to
provide valuable information and education regarding the
covered subjects. Hence, the author has taken reasonable
precaution in the writing of this book with some conducted
research and observations and experiences that are put
together to serve as personal development and informative
book for every entrepreneur, individuals, and organizations.
Also, is a great book that contains financial educative
information that is suggested for every student in high school
and universities to have and get themselves equipped for now
and the future.

Always remember that all you need is the right information.

Information is the true wealth whenever one organizes it and
act upon it. You can survive this uncertainty global economic
- crisis by developing and motivating yourself with the right
information and education.
 A WALK FROM RAG TO RICHES

~CONTENTS~

ACKNOWLEDGEMENT ...............
INTRODUCTION..
1 CHAPTER Breaking Free From The Chain of Poverty
And Live in Abundances.

2 CHAPTER The Ten Laws of Making

Wealth..........................................................................

3 CHAPTER What Every Individual Must Learn and

Understand About Debts...

4 CHAPTER The Secret You Need To Become A

Millionaire or Billionaire.... .

5 CHAPTER What Will You Do With A Million

Dollar?.................................................................................

6 CHAPTER What is Entrepreneurship?.

ABOUT THE AUTHOR ..

 O. O. RAPHAEL

~ACKNOWLEDGMENTS~

Id like to say a big thank you to

THE HOLY SPIRIT

Who is my inspiration and daily teacher

MR. & MRS PATRICK ORIOGHE

Who God use to support me at all stage

AMAZON COMPANY and CREATE SPACE TEAM

For providing a platform that turn dreams into reality

ORIOGHE O. BEN and Others

For all their supports

A WALK FROM RAG TO RICHES

INTRODUCTION

B ravo! You are lucky enough to have this exceptional

book which contains valuable resources and
informative education about how to achieve personal
financial management and creation of wealth. You are going
to learn the basic principles and strategies necessary for
accumulation of great riches and wealth.

But before you progress in this classical practically

oriented school of personal financial management and wealth
creation, there are few questions for every individual to
answer.

What do you want most, Fame, Success, Power, Wealth, or

Riches?

However, using these three questions below to define

whether you will be successful or failure in life may sound like
great idea to help redefine yourself for success.

1. What are you doing with your time?

2. Who are your friends?
3. What are you doing with the money you earn?

The above questions were very useful when I ask myself

these questions and sincerely gave answers to them. At the
aged of 12, I had opportunity to ask myself, What did I want
 O. O. RAPHAEL

from life most. This question had helped me to discovering

who I am, and what I desire to accomplished in life.

Wants has being the mastermind behind opportunities that

result to invention and innovations of products and services
which have make millionaires and billionaires. The will and
necessities of what things (products or services) which you
have to give to help humanity is what makes the difference.

Don't think you have no opportunity to get riches, or

becoming a millionaire because you have no capital to start
with, or due to your poor family and formal education
background. Kill of that limited thought from your mind, for
there are list of men and women who never really came from
a rich family or have a formal education background, yet
these exceptional people were able to search and identify
opportunities to optimized and help humanity which led to
their advantage to succeed in life, even at their choice careers
or undertakings.

"I might not have capital right now, but I see myself as the
true billionaire because am very rich in opportunities which I
will optimized to help humanity and make great fortunes."

"There is plenty of gold (Money) and opportunities for

everyone, just like the time of King Solomon of the Bible.
The streets still contains much of gold to gather and
possessed great quantity of wealth for contentment."

For you to walk your way into a millionaire or billionaire, you

need to have the essential tools and techniques required for a
person to journey the trend successfully.
A WALK FROM RAG TO RICHES

You need the map of the past and present millionaires or

billionaires.

You need to stop thinking like a poor or average person.

You need to start thinking like a millionaire and billionaires.

You need to start setting goals with full concentration to

work hard on, like the millionaire and billionaires.

You need to start networking your valuable information or

knowledge and ideas to potential financiers and working
team.

You need to stop being just a mere follower and become a

potential leader, by taking on ventures and initiatives like the
millionaire and billionaires.

Try to avoid any bad habits that have not been profitable to
you.

Avoid fears and fill your mind and heart with love and faith.

Try to do things differently this month both in your personal

life and career or business operations.

Try to put some of those ideas of business or project which

you having their thoughts in mind often into action, no
matter how small or difficult they may seems.

Try to get into new relationship, and let go of any

unprofitable relationship.

Try to find new opportunities and stop crying over the doors
that have closed.
 O. O. RAPHAEL

Avoid depending on other people, and start finding a means

to earn some income no matter how small it may be.

Learn not to hate but to love, and do every job you find your
hands doing with all diligence, there is reward for hard
workers.

Learn not to compare yourself with other people, for you are
unique.

Learn not how to complain about what you don't have,

instead begin to appreciate God for what you have, and that
you desires to have.

Avoid talking much, and learn from listening more.

Be thankful to God and live today because yesterday is gone

and tomorrow you don't know what it brings.

Learn not to always follow the orthodox systems because you

will need to break some rules just to cause change or grow.

The fact is the world needs more real men, millionaires and
billionaires like Bill Gates who is ready to seize opportunity
to serve and help humanity. The worlds need more
entrepreneurs and philanthropies who can radically change
the world through their selfless services and useful products,
and money.

Let us just imagine that we have more thousands of

individuals who are millionaires and billionaires to join the list
of the notable tens or hundreds of millionaires and billionaire
that are devoted to helping humanity in various ways.
A WALK FROM RAG TO RICHES

The economic crisis and high jobs layouts will be reduced,

and life could be much better.

Stop making the common mistake which many people are

doing by the saying, Knowledge is Power. Knowledge by
its self is not 100% power rather is just 10% in power. But
knowledge which is organized and put into art in a
progressive ways is called power.

This may be surprising to you and you may intend to ask

questions like, how did I come to understand this? Yes, am so
convinced that knowledge alone is not power. Because I have
seen people who are very skillful and formally educated, they
either possess a certificate or renowned university degrees.
Still they are very poor or frustrated by all sorts of hardships.

As you reading on, remember that reading this book alone

will not make you get rich or wealthy, but it will only do the
magic or miracle for you, if you do put into practice the
valuable information that are provided here.
O. O. RAPHAEL
A WALK FROM RAG TO RICHES

Chapter One

BREAK FREE FROM THE CHAIN OF

POVERTY AND LIVE IN ABUNDANCES

T
he diagram below is set to demonstrate how many
families have permit poverty chain to reign over
generations without them finding a way to get out of
it. These types of people remain in bondage of poverty and
hardship because they either not think or act different, or
they lack the law of overcoming hardship into creation of
great abundance.

Grand Father

Great -Grand
Father
Children

Grand
Children
Children
 O. O. RAPHAEL

Question pool:

1. What family background were you born into, rich or

poor?
2. What have you done to change your unpleasant
circumstance?
3. Are you still in the same career that your grandfather
and father did but never get out of poverty?
4. Are you still thinking and doing things the way your
fathers did that make them not to succeed in life?
5. Are you giving up, so soon, because things didnt go
your way, which you planned?
6. Why not you change that plan or strategy that did not
work at the first time, and create new plans and try one
more time?
7. Do you know that your family background does not
really determine what you should be in life?
8. What are your goals or vision?
9. Are you working diligently enough to achieve your set
goals?
10. Where do you get your inspiration from?
11. And who are your friends you move and connect
with?
12. Do you think it is impossible to change or achieve?
13. How did you feel when you see your childhood friends
or class mate much successful whereas you are still
struggling to earn meal?
14. Did you think creating wealth is all about your good
grades or high degrees you acquire from formal
education?
A WALK FROM RAG TO RICHES

15. Do you think creating of riches or wealth is all about

how smart you use to behave before others?
16. The fact is, you have not accumulate wealth, because
you either have failed to learn the laws that govern the
creation of wealth, or else you do not observe or
practice them.
17. Do not settle for less, and end up a poor man.
18. Develop in you the determination to create riches and
wealth.
19. The decision and determination to learn how to get
what you want, is the #1 step for creating riches and
wealth.
20. Do you know that the spirit of hard work is reward full?
21. Have you ever make time to take account to know
how productive you are?
22. What things of value are you giving to humanity in
exchange to receive values like money or other kind?
23. How disciplined are you concerning the way you
manage your time and income?
24. Do you spend all your income or you invest a portion
of it?
25. How invent -full are you in your business or career?
26. How innovative are you in your business or career?
27. How satisfied are your customers or business target
market?
28. How are you treating your employees or business
partners?
29. What impact have you made on peoples or
communities?
30. What have you done different than following easy road
 O. O. RAPHAEL

Chapter Two

THE TEN LAWS OF MAKING WEALTH

There is a secret to create and own a tree of wealth,

because there are plenty of gold in the street and
community that you can gather and possess. Only if you
are daring and discipline enough.

Join the group of millions people who are walking

from RAG to RICHES,

Buy a copy of A WALK FROM RAG TO RICHES by

author O. O. Raphael, on www.amazon.com, book
shops and other mediums worldwide.
A WALK FROM RAG TO RICHES

A Walk from Rag to Riches is

your sure key to gain Financial Freedom. The fact is, having
money is absolutely a necessity for everyone living in this
ordinary world, and maintaining of a healthy economic has
being a great concern for millions of people and family,
when considering the global economic crisis and great jobs
layouts which is persisting and increasing in ratios day - to -
day. The worldwide financial crisis has reduced billions of
people into great hardships, and has caused millions of
people struggling financially while some people are living in
abundance. The global events have made people wondering
if really there are ways or secret for an individual or family to
walk from Rag to Riches and wealth. However, this book
carries the information and knowledge, and practical
techniques and steps everyone needs to do the magic or
miracles for his or her survival in this critical economic crisis
phase and the future. Now is the time, get a copy of this
book and gain the secrets of the millionaires and billionaires.
 O. O. RAPHAEL

LET YOUR ONE DOLLAR

COUNTS is the true Master of Finance and Investment
Guide that nobody can gains its educational degree from the
traditional education platforms. This book guarantees you
with necessary information and knowledge which are
practical and workable for everyone who desire to create
riches and wealth through making of investments. In this
global economic downturn it is sad thing for a person to lose
his or her hard-earn money through investments. So, one
must take all necessary steps and possible means to secure
the money which they want to invest. Your money is a
treasure; therefore, it needs security while it values waxes
more by earning either profits or share dividends. With this
book, you can turn your one Dollar into a million Dollars.
Get knowledge and save yourself from the destruction which
millions are facing and losing their thousands and millions of
dollars to wrong investments opportunities.
A WALK FROM RAG TO RICHES

ABOUT THE AUTHOR

O. O. RAPHAEL

The major reason why many educated and non-

formally educated people are not rich, or remain
unemployed is because they lack the biggest untold
secret toward gaining riches and employment. _Says
Raphael

Born in the great month of October 25, and raised in a small

town, yet emerged as an inspiring young man to his
generation, and generations to come. Raphael is a Success and
Life coach, Motivational Speaker, Singer and Entertainer,
Writer, Entrepreneur, and the CEO/Co founder of Dreams
to Reality Studios and More Hits Music Group.

Raphael started exploiting his useful gifts and entrepreneurial

skills when he was 12years old, after he started organizing
private home lessons to help teenagers around his
environment to improve in their primary education both in
writing and reading. These learning classes were organized for
free, but the parents of the children attending the classes
discovered the act worth in values and they decided to reward
and encourage the act by paying little sum of money per week
for each of their kids attending the lessons.
 O. O. RAPHAEL

The act of love and giving through teaching other childrens

at his early age of 12yrs helped him to also improve more in
his formal education and became one of the gentle and
brilliant student in the midst of others during his high school
and undergraduate program that permitted him to choose
medicine and surgery, with a hope to continue his education
in any University within the country where the undergraduate
program certificate was acceptable.

However, Raphael believes in the philosophy of continues

learning regardless of the financial barrier he faced during his
traditional education. He continued to receive education
through other available means and have obtained certification
from Ireland base Advance Learning Institute with focused
courses of studied which include; Fundamental Of Business
Law, Music Business Studies, Entrepreneurship Studies,
Hospitality Management Studies, Achieving Personal Success,
Introduction To Banking, and Developing A Global Online
Enterprise.

In addition to his education, he is a devoted student of

several successful and renowned authors like Napoleon Hill,
John Maxwell, and others. He considered himself to be these
authors student because he doesnt just purchased their
Books to read, rather he study and try as possible to organize
the valuable knowledge inside the books toward gaining a self
education and power.

Also, he has working experienced as Hotel Manager, Hotel

General Supervisor, Event Coordinator, Performing Artiste,
Talents Manager, and Music Studio Manager.
A WALK FROM RAG TO RICHES

Early life risks and profits from experiences

Raphael became an investor at the age of 19, after he became

a close friend to one of the rich guy and later was introduced
to some investment companies. He invested approximate
$20,000 (USD) in stocks and bonds with these investment
companies through the help of the money given to him by his
Dad with purposed for his planned relocation to London
(UK). He was much concerned about creating assets because
he understood from thorough inspection conducted on his
family background to discovered what cause the leaning
income.

However, he increase in assets and decreased in liability and

operated investments on compounding by reinvest his profits
for some months that grew his total assets nearly
$35,000.00(USD) before October 20th which was four days to
his 20th birthday. But there arise a most tragedy of his life by
the closure of the investment companies, and these
companies fraud millions of investors billions of dollars
worldwide.

Also, its a fact that he never stops using his thinking faculty
and entrepreneurial skill positively. So, he started his first
foreign Exchange business branded Megatons Investment
Group which was focus on buying and selling of e-
currencies by using advantage of online payment system
providers such as Libertyreserve.com, and
perfectmoney.com.

He was a young man but mature in heart and mind by

knowing what he wanted, and how to get it." A young
 O. O. RAPHAEL

entrepreneur and investor he came to face with another

business failure in 2012 2013 by losing $11,510.17(USD)
when www.libertyreserve.com suddenly closed and the
founder of the e-currencies payment company was arrested
by the U.S. Government for doing illegal business.

This tragedy life phase of his was very crucial yet he never
stopped fighting, though he felt devastated for few weeks and
faces a lot of hardship many months. Yet, he said, I have a
definite vision which is my burning desire of HOPE FOR A
BETTER FUTURE. He never gives up taking risks, because
he have understanding about the rule of success which state,
When one run from taking risks or failing, the individual is
eventually running from life changing opportunities and
success.

He said, Here I am, but no going backward because I have a

destination. Quickly, he acknowledged his mistakes and
failing which he recognized to be temporary defeat and trial
of faith. Then he strived to rise and run smarter.

The accident and events have serves as lifetime teacher to

him in many ways, which one of the lesson is about the secret
of what make great people and genius- entrepreneur not just
an entrepreneur or investor.

Also, he learnt the biggest secret of the rich and wealthy

people which is, having the strategic understanding of how
money works for man, not man working for money. Most
important thing is that the coin was turn in his favor and
serves as an entrepreneurship and business school that
educated him about the power of strategic investment and
A WALK FROM RAG TO RICHES

secure financial management system. Further he learned that

an entrepreneur needs to be more than smart by doing his or
her home works before making investments regardless the
fact that an entrepreneur is well-known as risk taker and risk
manager.