BMTV episode 1 the debut - How my property investment journey began

Summary

SRA Hayi shares her diverse life experiences on 'Let's Talk', starting from her early marriage to her first cousin, becoming a single mother, and eventually excelling in financial services. She narrates her journey from general insurance to estate agency, managing a property portfolio, and facing challenges during the 2008 market crash. Hayi's story details her ventures in property management, her re-entry into finance, and her decision to start a food business. She positions herself as a problem solver, inviting listeners to share their stories and seek guidance from her wide-ranging expertise in property, finance, and life's complexities.

Takeaways

• 😀 SRA Hayi introduces herself and sets the stage for a series of discussions on various life experiences.
• 👶 At the age of 14, SRA Hayi was engaged to her first cousin and married at 18, which led to her first child at 20 while her husband was abroad.
• 🌍 She experienced immigration challenges when her husband was granted permission to move to the UK.
• 💔 After her first marriage ended, she became a single mother and later remarried, gaining insights into the struggles and drives of single parenthood.
• 💼 SRA Hayi pursued a career in General Insurance, estate agency, and eventually financial services, gaining qualifications and excelling as a top mortgage advisor.
• 🏠 She ventured into property investment, learning from others and eventually managing a property management business with a friend.
• 📉 Despite the 2008 market crash, her property management business adapted and became successful, highlighting the importance of flexibility and foresight.
• 💡 SRA Hayi emphasizes the value of self-education, hard work, and taking control of one's life through financial independence.
• 👪 She discusses the importance of family support, particularly from her mother, and the impact of giving back to one's parents.
• 🔄 After selling her shares in the property management business, she returned to mortgages and finance, aiming to help others find their homes.
• 🎓 SRA Hayi shares her extensive experience in property, finance, and life's challenges, positioning herself as a problem solver and mentor for future discussions.

Q & A

At what age was SRA Hayi engaged to her first cousin?

SRA Hayi was engaged to her first cousin at the age of 14.

How did SRA Hayi's first marriage end?

SRA Hayi's first marriage ended in a breakdown, leading her to become a single mother for a period of time.

What career path did SRA Hayi initially pursue after her marriage broke down?

SRA Hayi initially pursued a career in General Insurance, which later led her to estate agency and then financial services.

What motivated SRA Hayi to study for a financial advisor course while working and taking care of her family?

SRA Hayi was motivated by a hunger and drive to take control of her life, as well as the desire to gain qualifications that would improve her career prospects.

How did SRA Hayi's experience in estate agency influence her understanding of property investment?

SRA Hayi observed wealthy investors purchasing properties without even seeing them, which sparked her interest in property investment, although she did not fully understand the reasons behind their actions at the time.

What led to SRA Hayi's transition from working in estate agency to working in a bank?

SRA Hayi transitioned to working in a bank after she remarried and was qualified as a financial advisor, which led her to take on roles in pensions and investments.

What significant event in 2008 impacted SRA Hayi's property management business?

The market crash in 2008 impacted SRA Hayi's business, but they had prior information about the crash and adjusted their operations to focus purely on property management.

How did SRA Hayi's involvement in property management contribute to her success in the field?

SRA Hayi's hands-on approach, involvement in every aspect of the business, and her ability to adapt and improve systems contributed to her becoming one of the best property managers in her area.

What personal realization did SRA Hayi have about her passion for property?

SRA Hayi realized that her passion for property was rooted in her talent for arts and her enjoyment in making cosmetic changes to improve the appearance of properties.

What advice did Mr. X give SRA Hayi that significantly impacted her property portfolio?

Mr. X advised SRA Hayi to leverage her existing properties to finance the purchase of more properties, ensuring that even if one property was empty, the others would cover the costs.

How did SRA Hayi's approach to her business and personal life reflect her organizational skills?

SRA Hayi's ability to manage multiple aspects of her business, from sales to maintenance, and her personal life, including her family and children, demonstrated her highly organized nature.

What significant change did SRA Hayi experience when she returned to the finance and mortgage sector?

When SRA Hayi returned to the finance and mortgage sector, she found enjoyment in helping people buy homes and expand, which was reignited by the changes in the rental field and the introduction of the tenant fee ban.

What was the outcome when SRA Hayi decided to sell her shares in the property management business?

After deciding to sell her shares in the property management business, SRA Hayi used the lump sum of money to pay off her mortgage and planned to retire, while also doing mortgages from home.

What new venture did SRA Hayi undertake after selling her shares in the property management business?

SRA Hayi started a food business, specifically a kebab roll business, after acquiring a commercial property with a kitchen.

What is the purpose of the 'Let's Talk' show hosted by SRA Hayi?

The purpose of the 'Let's Talk' show is to share SRA Hayi's experiences and knowledge, and to engage with the audience by hearing their stories and helping them find solutions to their problems.

What is the policy of Penny Appeals H's Orphan Campaign regarding donations?

Penny Appeals H's Orphan Campaign has a 100% donation policy, ensuring that all donations go directly to helping, inspiring, and educating orphans, providing them with education, daily meals, and medical care.

Outlines

00:00

😀 Early Life and Career Beginnings

SRA Hayi introduces herself and shares her life journey starting from her engagement at 14 to her first cousin, marriage at 18, and becoming a mother at 20. She discusses the immigration process for her husband to the UK and the challenges faced. After her first marriage ended, she became a single mother and later remarried. Her career began in General Insurance, moved to estate agency, and then to financial services where she pursued qualifications. She highlights the importance of gaining control over her life through her earnings and becoming a top mortgage advisor, which led to financial independence.

05:00

🏠 Property Investment and Entrepreneurship

The speaker narrates her transition into property investment, initiated by advice from a client, Mr. X, which led to her buying multiple houses. She describes her entry into self-employment by partnering with a friend to build a property management business. Despite the 2008 market crash, they managed to pivot their business focus to property management and excelled, becoming the best in their area. The paragraph emphasizes her hands-on approach to learning and managing all aspects of the business, including maintenance and office systems.

10:03

📈 Market Recovery and Business Growth

As the housing market began to recover around 2014, SRA Hayi and her business returned to sales, leveraging her knowledge and experience in property management. They took on a broker to handle finance while she focused on sales, targets, and business operations. She mentions her strong organizational skills, recognized by a director at Barclays Bank, where she previously worked. The paragraph details her strategic approach to leveraging during the market recovery, buying more houses and renting them out, which contributed to her business's self-sufficiency.

15:04

💼 Returning to Finance and New Ventures

SRA Hayi explains her decision to return to finance and mortgages, which she found fulfilling due to the joy of helping people secure homes. She discusses selling her shares in the property management business to her partner and using the lump sum to pay off her mortgage, with plans to retire and work from home. However, an opportunity arose to rent an office space, which she took, and started working with her son, who she trained in the same way she learned her trade. The paragraph highlights her commitment to providing a routine and structured work-life balance.

20:06

🤝 Personal Experiences and Future Outlook

The speaker reflects on her extensive experiences in property, finance, and personal life, emphasizing the value of the support she received from her family, particularly her mother. She shares her involvement in setting up a food business, leveraging her investment in commercial properties. SRA Hayi invites the audience to share their stories and seeks to use her experiences to help them find solutions to their problems. She positions herself as a problem solver and looks forward to discussing the life cycle and offering advice in future episodes of her show.

Keywords

💡Cultural Arranged Marriage

Cultural arranged marriage refers to a tradition where families arrange marriages for their children, often with the intention of preserving cultural or familial ties. In the script, the speaker mentions being engaged to her first cousin at the age of 14, which was a family decision, illustrating the practice of arranged marriage within her cultural context.

💡Immigration Process

The immigration process involves a series of legal procedures and requirements that must be met for an individual to move from one country to another. The speaker's husband was not in the UK initially, and she describes the challenges they faced during his immigration process, which is a common experience for many families.

💡Single Mother

A single mother is a woman who is raising one or more children without a partner. The speaker became a single mother for a period after her first marriage broke down. This status taught her valuable life lessons and instilled a drive to pursue various avenues for financial stability and personal growth.

💡Financial Services

Financial services encompass a broad range of businesses that manage money, including banking, insurance, investment, and financial planning. The speaker pursued a career in financial services, gaining qualifications as a financial advisor, which allowed her to take control of her earnings and life direction.

💡Property Investment

Property investment involves buying real estate with the intention of earning income from its appreciation in value or rental income. The speaker's interest in property began with her involvement in estate agency and evolved into a significant part of her career, as she learned from others and eventually managed a property business.

💡Market Crash

A market crash is a sudden and significant decline in the value of stocks or real estate. The speaker mentions the market crash of 2008, which had a significant impact on her property management business. However, she and her business partner were able to adapt by focusing on property management and avoiding sales.

💡Property Management

Property management involves the operation, control, and oversight of real estate, typically on behalf of the property owner. The speaker excelled in property management, becoming the best in her area, and this expertise allowed her business to thrive even during challenging economic times.

💡Leverage

In finance, leverage refers to using borrowed money to increase the potential return of an investment. The speaker leveraged her properties by borrowing more money to buy additional houses, anticipating that house prices would rise and provide a return on her investment.

💡Business Ownership

Business ownership means having the legal and financial rights to operate and control a business. The speaker had a period where she owned a property management business, which she later sold to her business partner when she decided to focus on other areas of finance.

💡Mortgage Advisor

A mortgage advisor is a professional who helps clients secure mortgages for purchasing property. The speaker was a top mortgage advisor, which gave her the financial stability and expertise to eventually start her own business and help others with their financial needs.

💡Problem Solver

A problem solver is someone who identifies problems and finds solutions or answers. The speaker describes herself as a problem solver, indicating her ability to use her experiences and knowledge to help others overcome challenges, which is a central theme of her video series.

Highlights

SRA Hayi shares her life experiences on her talk show.

Engaged at 14 and married at 18 to her first cousin, she discusses her early life.

Became a single mother and pursued a career in General Insurance and estate agency.

Transitioned into financial services to gain qualifications and control over her earnings.

Achieved success as a top mortgage advisor, realizing money isn't everything.

Explored the property market, learning from investors and their strategies.

Moved into banking to work with pensions and investments, finding the work unfulfilling.

Returned to mortgages, leading to a fateful encounter with 'Mr. X'.

Started investing in properties, growing her portfolio with advice from Mr. X.

Co-founded a property management business which became highly successful.

Survived the 2008 market crash by adapting business strategies.

Expanded into sales and finance, leveraging her properties for growth.

Sold her shares in the property management business to focus on finance.

Opened her own finance office, bringing her son into the business.

Invested in commercial properties, leading to the establishment of a food business.

Aims to use her diverse experiences to help others with their problems and stories.

Penny appeals for orphan support, ensuring donations directly help those in need.

Transcripts

salam alaikum my name is SRA hayi and

I'm here

to give

you a real life experience on let's talk

and we're going to talk about all sorts

of things but before I start that I want

to explain a little bit about myself my

background my history so you can

understand where all of this experience

and knowledge is coming from so let's

take a journey through my life that

started probably around the age of 14

when I was engaged to my first cousin

yes I was engaged to my first cousin I

accepted it it was a family discussion

and then we went on to get married when

I was 18 and then at 20 I had my first

child but my husband wasn't in the

country so we did the whole immigration

process and eventually he was given

permission to come to the UK but that

didn't come with its difficulties as

most of you have experienced people that

I talked to tell me their experiences

when they marry people from back home so

that was one life's experience that

taught me quite a lot following that I

then married sorry no that that marriage

broke down and so I became a single

mother for a period of time and then I

remarried so that single mother period

taught me something else as well that

there was a hunger there was a drive

parents were going through um divorce so

you know as a child I became responsible

for my mother and also for my child and

I had a hung I had a desire and had a

need which made me pursue any Avenue

that I could and I fell into initially

General Insurance followed in through to

estate agency and then from the estate

agency because I was climbing so quickly

the option was management or financial

services and I saw Financial Services as

the route to go down because I'd be

gaining some qualifications from it so

what I did was whilst I was working

whilst I had my child whilst I was

carrying some of the responsibilities

for my mom I started the financial

advisor course and we were given manuals

basically that's what it was you had to

self-study and work and do everything

else that you're burdened with um

and just take you know you you had to do

when you're in that situation you have

to do so once I've got gained my

qualifications then I was in a position

where my control my life was in my

control because my earnings were in my

control I wasn't working on an hourly

rate I was working on ability and

productivity so that went forward with

excelling within the company as top

mortgage advisor and that came with all

sorts I was now in a position where

money was flowing but life was pretty

dull so that's another experience you

know money isn't everything in life and

a lot of people chase it and soon

realize when they get it that it's not

the be all and endle and I was quite

lucky to experience that from a very

young age but my challenges were still

there and I was pushing forward you kind

of start running that's the journey you

are constantly running and constantly

chasing and constantly climbing to

achieve achieve and there's reasons

behind that you know if you are single

parent you will understand that the

reasoning why you're constantly running

is it because you're running away from

something or is it because you're

actually running towards

something so once I had um achieved this

I fell

into within the estate agency the

property market and learned from other

people who were further ahead of the

game than I was at the time and I can

tell you I recall PE investors coming in

with bank agreements in their Millions

just coming and purchasing property some

of it without even seeing them so I

didn't even understand at this point

what property was or the investment was

or the reason behind what they were

doing and the rental and um I just knew

that I was arranging mortgages and I

didn't quite pitch that into

perspective um and take it in myself for

myself I just carried on doing and it

was only when I left the estate

agents because then I had at that point

remarried um and I married somebody that

was again friend of the family but from

back

home I then um went to work in the bank

so I won't mention the bank's name on

here because I don't want to get any

trouble and uh started to do pensions

and Investments because that's what I

was qualified as as a financial advisor

and it was great you're working for a

big corporate bank you think it's the

best place ever and

you feel like your life is complete and

you've made it you know you're working

in this Bank you've got your own office

they've given you a company car you've

got a nice salary you're getting paid

bonuses um and you have a position of

respect within the community because

that's what people think is um you know

an

achievement and whilst I was doing the

pensions and Investments I was seeing

people held money on account and where

they could invest that money um and be

tax efficient so tax taxation was quite

a large part of my role at that point

and then pensions also becomes quite a

large point of your role and

understanding them and that's a deep

Topic in itself um that so they so like

once I I'd kind of got over the

initial what can you call it the

excitement I realized that P iions and

Investments were really boring and my

Hunger was still in property I I enjoyed

everything that came with the uh

experience of um buying houses and then

um refurbishing those houses and by that

by this time I think I'd actually moved

um how many times that I moved one two I

was I was on my third move I think I'm a

bit of a serial mover when it comes to

houses and it happens every seven years

like this itch comes along and I'm like

I want to move now and so then and and

you usually that follows because I've

done things in the house because I'm

constantly active and making changes to

improve things and uh maybe something to

do with the fact actually that I missed

out my qual not my qualifications but my

uh Talent lies in um the Arts because I

was really good at art and textiles I

was very good at graphcom which was

technical drawing which included um you

know like architecture so I think the

passion probably started earlier on and

I just didn't realize it so that love

for property as in the character and the

changes that you can make and how you

can uh improve it but my impression was

more cosmetic to make it look pretty be

because that's what I was doing I mean

my main ambition when I was growing up

was to be a fashion designer and use the

um creative deci side to design design

um but as I progressed through education

it went into the technical drawing so

anyway moving on because we've gone

digressing I do that all the time just

get used to it okay I then was working

in the bank and um I decided that you

know what um Easy Life For Me whilst I'm

now married and having children is to go

back to mortgages because that I could

do with my eyes shut and Investments and

pensions carried lots of

responsibilities and it was quite

intense so for me to do something that

wasn't going to stress me out while I

had children you know I thought I'm

going to go and do mortgages and that's

where things really took a change and a

turn because that's where I met Mr X

shall we call him and I was arranging

buet mortgages for him and he asked me

how many I had and I said well actually

I've only got I've actually got one but

that happened through default again I

was going to move house from Medway to

Graves end and my purchase fell through

the purchaser decided they didn't want

it and so I ended up buying another

property thinking that I was going to

sell the previous one and then fell into

the rental scene so now I had two houses

so I told this Mr X I have two houses

and he said why have you got two Sarah

one you're living in so that's looked

after by you but the other one if the

tenant moves out you're going to you're

going to need to fund that mortgage

yourself so why don't you just do what

you do best draw Finance from the

properties that you have and buy two

more and that way if one is empty the

other two properties will carry the cost

and on the balance of it you're likely

to have one of the three rented and you

won't then have to pay for it yourself

so I thought Fair comment I'll give it a

go and

so because I knew how to raise finance

and back in the day you were able to

acquire funding very very easily and

I borrowed more money and I borrowed

more money and I bought more houses

and because then I was working and then

I had these houses to look after that

became an extra burden and a friend of

mine asked me if I would partner with

her in her property business so I went

for it and that began be began the

Journey of being self-employed and I

went to join my friend

we worked really well together and we

built a really strong Property

Management business and I could then

forget about the houses that I had

because the team were looking after it

the business obviously had grown and we

expanded and we we took on more staff

but this was around 2008 and 2008 as you

know there was a market crash however

fortunately we we six months prior we

switched we're going to be going out

we're going to be going into a short

break now and I'll follow on the rest of

my story after the

break for you to really understand how

and why I entered into the property and

finance world where I'm now able to

share my experience

[Music]

and he and welcome back to let's talk

I'm SRA Hayti I am your host and I'm

going to be telling you first about me

and my experiences before the break I

got you right up to the point where I

started a property management business

with my friend and things were going

really well and then we had the market

crash in 2008 but fortunately prior to

this with a little bit of inside

information we were told that the market

was going to crash so you know the

knowledge is out there they knew and

they had projections a good six months

before so we changed uh up the system

inside the office and we closed down all

sales and as far as mortgages were

concerned my advice given to me was to

track your mortgages so looking back at

2008 interest rate or base rate was

around 5 to 6% which is you know not far

off where it is right now uh however

Health prices were significantly lower

then and right now you're looking at

really high prices

so we changed Direction and we focused

purely on property management and with

that energy that was applied we excelled

to the point that we became the best

property managers in like our area and

success just followed after

success knowledge grew I I had I got my

hands dirty you know I would put my

hands in the maintenance I would put my

hands in absolutely every aspect even

down to I don't like to rely on anyone

for anything where I can help it and I

even learned how to set up Network Works

within the office the systems improve

them adapt them and uh personalize them

um what else did I do I um handled all

the team and took on um apprentices and

external companies and the handling of

even photocopiers you know everything

and anything if anyone wanted to know

anything I could answer that question

down to even passwords because my memory

was so good I could off the top of my

head reel them off not quite sure if

it's the same right now but I am working

on feeding my brain to make sure I

maintain that um so moving forward from

there I still had these properties I'm

still in the world of uh you know moving

ahead I think to 2014 when the market

kind of started to so show signs of

recovery we did go back into the cell

scene and by going back into the cell

scene it opened up the doors to um

Finance again and we actually took a

broker on that worked in the office

instead of me doing it because you know

um I was already busied up with sales

and targets and you know uh profits and

losses and that kind of stuff that you

have to do when you're directing a

business and it was actually something

that I really enjoyed doing because I'm

so I was told actually by one of the

directors in Barkley the bank that I

worked in that um I you're a highly

organized person and that came as a bit

of a surprise to me because when you're

so young and somebody tells you that

you're organized it's uh especially from

somebody in a higher position um it's uh

quite um what's the word you know you

feel like I can't think of the word

anyway doesn't matter it just felt good

to hear and to know that part of your

personality even though you were doing

it you didn't even realize it so back in

the property game and um you know I'm

experiencing uh lots of uh next stages

like developers and bigger portfolios

and bigger landlords and so when 2014

and the housing market started to like

the crash was starting to recover

interest rates was starting to come down

we were still at the point of house

prices were low enough and that's when I

really started to leverage leverage

meaning borrow more money more money

against the houses that I had to deposit

on houses because you know the I knew

that the house prices were going to go

up up and it was a trend historically

house prices go up and so that's what I

did bought more houses rented more

houses out so then there came a time

where my business was kind of

self-sufficient now I like to do things

where it's set up and it's running

itself and I don't have to inject myself

into it or I have something else that's

controlling and running it and decided

at that point that because the market

was recovering I'm going to go back into

the finances the finan scene and the

mortgages so I started Ed with a friend

of mine and I started to do a few

mortgages um and I start and and that

hunger and that enjoyment that came from

helping people buy and helping people

expand um really started to excite

me because there were changes going on

in the rental field like this was when

they introduced the tenant fee ban I

knew that that meant a big hit on the

business by about a third of the income

and the only people that were going to

have to face that loss would probably be

the directors because you couldn't take

money away from your employees so I said

to my business partner I think it's time

to sell and because she disagreed she

purchased my shares in the business and

my intention now was having this lump

sum of money was pay the mortgage off

done my life um I'm going to retire and

I think I'll do some mortgages from home

because I'd already started that Journey

with the friend and that's what I did I

started working from home but an

opportunity came along and I'm looking

at this opportunity thinking I would

rather have a workpace that I go to

rather than have my home and work

together it wasn't something that I was

used to from a young age I was I

was programmed almost you're programmed

to work that 9 to5 and that's what I

wanted because that's what I was used to

and I wanted that routine of you know

getting up and getting the kids sorted

and taking them to school and then

heading to the office and slotting in my

work period finishing off the day going

home sorting the kids out food baths

homework you know you guys know you're

you're living all of that scene yourself

you've done it I'm not alone when you

know I can't I can't take credit for

doing all of that stuff because I know

there's loads of you out there that are

doing exactly the same thing so um

whilst I was uh I was doing that and I

decided to sell the business um I and

this opportunity came up for an office

that was a really good location and

somewhere funnily enough that I worked

when I was 21 um so I took it and

thought you know what these things

happen in life things come into your

path for a reason and why not give it a

go so I took the office with me and my

son who had left school because I told

him to and I would teach him everything

and I would put him through study the

same way I studied where we got the

manual we studied it we took the exam so

he came in with me and things were

coming along nicely um and I was already

well known from the previous years of

organizing mortgages for people that now

they were now they'd heard that she's

back um and you know I had my own office

that was dead dedicated purely to

finance um I was getting the parents

back and I was having their children so

I was supporting them in finding their

homes and the parents had you know grown

and established and we were able to help

the children using the parents money and

just all those Affairs that arise when

you work in property and you work in

finance trust me you will learn a lot

about life really quickly because inside

every front door is a situation and uh a

relationship and we had over three 300

managed houses so you can imagine with

that and then the amount of sales that

we were doing as well the

relationships the you know you became

their counselor F financially and from a

property aspect so you learned so much

about relationships and so much about

life's General Affairs so not only did I

have the qualification the banking

experience and then this personal side

experience from from property

management and as you grow and you

establish yourself even more I was so

committed like you know lived and

breathed I had my family I had my

children I had my mother's support which

I can definitely say without her help it

I wouldn't be standing here today and

that's not just because of her help

because you and I both know that if you

you what goes around comes around you

know if you support your parents things

will come back to you and I'm living

example of that that's what I can say of

my siblings I can say that you know that

that that Dua that you get from your

mother and your father particularly um

is so valuable I can't express you know

I just can't even express but I will at

some point on the rest of these shows

that I do so now we've got where were we

like I'm losing track of my life because

I've done so much in it and I and I know

you guys probably have as well but I

have done a lot so whilst I was running

that business I did set up a food

business and I wondered how this came

about because I started to invest in

commercial rather than residential

because it was considered to be a good

space to be in and so I thought well the

opportunity is there so here we go I can

organize that Finance I'm going to buy

that shop and I'm going to buy that shop

and that shop and away I went with it

and one of the shops came with a kitchen

so I thought to myself why don't I set

something up and I did I set up a really

really good fastic plastic Kebab roll

business now the thing is I have got so

much to tell you about me and I think

the best way of doing that is just to

unpick everything as we go on but the

purpose of this show is for you guys to

talk and I want to hear your voices and

I want you to tell me your stories um

and I want you to phone in the telephone

numbers there on the bottom and ring in

obviously today we're running out of

time because I can talk for England and

as you know if you've been watching any

of my lives on Tik Tok I could go all

day the battery is charged so this is

kind of like the opening where I want

you to understand my background and then

from moving

forward we're going to talk I want to

hear your stories and it can be about

absolutely anything my experience lies

not just in property in finance in

relationships in marriage in fraud

because that's something else that you

learn a great deal about when you're in

the bank but also from a personal side

of these relationships and these houses

and property management and the

disturbances when you know there's a

breakdown in a relationship and why and

what's happened and the effects of all

of that is still going on inside this

head of mine and if you have anything

that I haven't mentioned it would be

really good to talk about it because I

will utilize any of my experience and

any of my knowledge to help you find a

solution

so bearing in

mind that today has been about me the

rest of this series is going to be about

you and I'm going to start talking about

that cycle of life and my experience

that will help you do really well the

WhatsApp number is on the screen drop

messages and call in next week and I

will do my best to answer your questions

and give you the best perspective to

take you out of a position that you're

in and into something better because

that my aim I'm a Problem

Solver and that's all I'm going to say

this week because I think we're going to

have to save some for next week next

week I'm going to start the life cycle

so from myself sarra hayi thank you so

much for watching I hope that I can help

you take

care stay well and salam alaikum till

next

week

[Music]

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