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When you join the membership we provide you with four wallets. Email with descriptions of each wallet purpose will be sent to you.

In the member back office, we provide you with a CoinRewards Wallet and a CMDT Commission wallet.    

CoinRewards Wallet:
coin rewards are points that you earn for commissions, contests, KYC completions, and CMDXFit activities. One CoinReward is equal to $1 USD. coin rewards are issued at .004 per CMD. 

For Example: If you earned $1,000 in Referral Fees 30% would be in CoinRewards or 300 points. These 300 Points would be credited to your CoinRewards wallet on Monday which is our regular payday. The following Tuesday 8 days later they would be redeemed at .004 into CMD cryptocurrency or 75,000 CMD. Redemptions can take up to three weeks to be credited to your CoinMD Hardwallet.

Please watch this video to better understand your CoinRewards 
Wallet: CLICK HERE

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CMDT is our internal currency for paying referral fees and bonuses. One CMDT is equal to $1. CMDT can be sold to other members or used to purchase memberships on CoinMDChoice. 

CMDT can be transferred instantly transferred between members from the members back office through our paypal-like system. 

For Example: If you earned $1000 in referral fees 70% would be paid in CMDT or $700. If one of your new members wanted to purchase a CoinMDBronze package they would pay you $550 directly and you would transfer $550 of your CMDT to their CMDT Wallet. To conduct the transfer you will need the last four digits of their 16 digit wallet number and their member ID number.

Please watch this video to better understand your CMDT Wallet: CLICK HERE

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CoinMD "Hard" Wallet: 
The CoinMD Hard Wallet is for your CMD cryptocurrency assets and in the future your healthcare data assets. You are also encouraged to learn about Two Factor Authentication (2FA) and implement it on this wallet to protect your financial and health assets. 

Members can transfer CMD to and from their wallet to the CMDX exchange and they can transfer CMD coins to other members. When CoinRewards are redeemed into CMD they are placed in the CoinMD Hard Wallet.

Please watch this video to better understand the CoinMD Hard Wallet: CLICK HERE 

CMDX Virtual Wallet: 
The CMDX Virtual wallet is your trading wallet and ecommerce "shopping" wallet. Members will typically transfer CMD from their CoinMD Hard Wallet to fund this wallet or they will fund the wallet with BTC. 

Please note: This virtual wallet can only transfer CMD to and from the owners CoinMD Hard Wallet. Intra member transfers are not permitted with this wallet. 

Please watch this video to better understand your CMDX Virtual Wallet: CLICK HERE 

Shopping on CoinMDChoice:
If you want to shop on CoinMDChoice you will need to fund your CMDX Virtual wallet with CMD and other approved cryptocurrencies. When you login to www.coinmdchoice.io you will see your CMDX Virtual Wallet CMD balance in the upper right corner of the website.
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Formal Finance Minister Dr. Ngozi Okonjo Iweala Speaks on Nigeria Economic

Regardless I think that it's interesting that the vast majority don't know why Nigeria economy went into retreat, they cherish the clumsy lies of Lai Mohammed about the past government destroying everything. It's likewise nearsighted to think that if Jonathan somehow happened to at present be in control, we would be more terrible off. 
The reality about Nigeria's subsidence is this; it was caused by the president's unguided talk and uncultured non-verbal communication. Right off the bat, there is nothing we are purchasing today that we weren't purchasing 5 years back, consequently, it's not our buy that put weight on Naira in any case, withdrawal of assets by outside speculators. 
After the race, the president made precariousness with his unguided articulations about how everybody is degenerate and how everybody is going to imprison. The shakiness made remote speculators to exchange their speculation and change their cash to dollars. During the time spent attempting to escape, they were eager to purchase dollars at any value, which prompts a high trade dollar rate. Despite the fact that some of them were not prepared to flee, but rather need their cash in dollars to spare their ventures from depreciation, the president gave a terrible flag by restricting store of remote cash into domiciliary records. That was sufficient with the expectation of complementary market devotees to see the draconian penmanship on the divider that was the start of dollar surge. 
To exacerbate the situation, the president thought of another unbelievable strategy of apportioning dollar to specific areas and shutting numerous parts out. That was the nail in the pine box which encouraged the development of free FALL. At last, remote financial specialists assumed control $80B out of the economy inside a brief period and everything went down to free fall. 
To the individuals who trust it will be more terrible if Jonathan is still there, you are for the most part off-base. Arrangement coherence and political soundness won't let billions of dollars leave our shores inside such minor time allotment. Despite the fact that the government may have salary deficiency, the private segment will climate the tempest by their trust in the market. 
The dread of the obscure made by PMB is in charge of the financial downturn, not low oil cost. Loan fee in America is right now at 0.5% while it is 12% in Nigeria. JP Morgan Chase wouldn't fret acquiring $50 billion from Feds at 0.5 and put in Nigeria for the return of %2000 benefit. Citi bank will do likewise, in like manner US Bank Corp. Pursue gave Buhari cautioning about the repercussions of his settling approach before they hauled out, yet his unskilled digital warriors and uneducated e-officers said JPMORGAN can go to heck, they never again have faith in financial measurements since their savior is in control. 
Sufficiently interesting they are generally enduring today as a result of the idiotic strategy, in any case, they discover alleviation by pointing the finger at it on past organization and Gucci hunger of normal Nigerians. For your data, if your leader "proceeds" with his unguided talk, Naira will go down to N1000/1 $. In any case, we express gratitude toward God, he is never again talking.

​WHO ARE U DECEIVING ?​
You got angry in church and stopped being the member of the  ​choir​, left ​ushering​ , stopped ​sanctuary cleaning​ and every other work you were doing in church.
Eventually you've stopped going to the ​church​ because someone spoke to you in a way you didn't like...

Most of the messages from the pulpit was against you from your opinion...

Nobody called you when you were ​sick​ because according to you, ​"they do not love or care in the church..."​

But pls excuse me...
You've not stopped working for the boss who insults you most of the time, neither have you stopped work because your colleagues spoke ill of you... (Money was the reason)
                                              When working on that building construction work, a nail entered your leg, you went to the hospital to treat your leg, your supervisor never called you to ask about your situation, you came to site to continue the construction work, you never quit ( working for money)                                        
When you were sick, you didn't wait for your boss to call you or look for you at work. Rather, you called and told him about your present condition. No complaint about him not visiting you (Fear of query or loss of the job)
                                              No matter the intensity of the rain, you must get to your  work place on time, even without an umbrella but little shower on Sunday, you will have so much excuses no to serve God, which is the reason you are still  breathing                             
Do you remember that at school, your teachers, your schoolmates and or even your best friends offended you, yet you didn't stop schooling..

You can easily miss Church but not lectures because the lecturer will take attendance which counts in assessment

You can be late with your appointment with God at Church but you will be extra early for your visa interview at the embassy... �

​Who are you deceiving?​
I don't blame you too much. Maybe you don't know or you don't have adequate revelation about Church...

Please, Hear Me! Church is not a ​"No Offense Club"​ where all things must be done to please you and you alone.

​What have you done in church for the good of others?​

According to Scripture the first knowledge everybody must have about Church is that... It's ​The House Of God​ and ​The Gate of Heaven​...
Genesis 28:17...

Your service to God must be with reverential fear, honor and respect.

God is watching... � _
Change your attitude.

1. The River Niger Bridge at Onitsha was constructed between 1964 and 1965 by Dumez- a French construction company and cost £5 million.

2. Patience Jonathan is one of Nigeria’s most-educated First Ladies, with an NCE, a B.Ed, and a PhD from University of Port-Harcourt.
3. The highest peak in Nigeria is located in Taraba and is called Chappal Waddi which means “The Mountain of Death”.
4. There are 196 countries in the world and at least one Igbo person from Nigeria lives in every one of them.
5. The Pidgin word ‘Sabi’ came from ‘Saber’, Portuguese and Spanish for ‘to know’. Both country’s ships traded slaves from the Bight of Benin.
6. Katsina College (now Barewa College in Zaria) has produced 5 Nigerian Presidents/Heads of State since it was founded in 1921 in Katsina.
7. Ojukwu taught Murtala Mohammed and Ben Adekunle at Regular Officers Special Training School, Ghana. Both ‘fought’ their teacher during the civil war
8. At Nigeria’s independence in 1960, there were 41 Secondary Schools in the North and 842 Secondary Schools in the South.
9. In 1983, Senator Arthur Nzeribe spent $16.5 million to win a Senatorial seat in Orlu (in Imo State).
10. In 1973, the Federal Government of Nigeria considered officially changing the name of “Lagos” to “Eko”. Regarding “Lagos” as a colonial name.
11. The geographical area now referred to as Nigeria was once referred to as ‘Soudan’ and ‘Nigiritia’.
12. Offences punishable by death sentence after the 1966 coup included embezzlement, rape and homosexuality.
13. MKO Abiola was named Kashimawo (Let us wait and see) by his parents. He was his father’s twenty-third child, but the first to survive infancy.
14. Jaja Wachucku was the first person to refer to Lagos as a “no-man’s land” in 1947, provoking a national controversy.
15. Jollof rice, chicken breast, serve of ice cream, tea, coffee or Bournvita, with full cream milk and sugar: Meal Cost = 50Kobo- Unilag in the late 1970s
16. At the point death in 1989, Sam Okwaraji was a PhD candidate and qualified lawyer with an LL.M in International Law (University of Rome)
17. When British Bank of West Africa (now First Bank) opened a branch in Kano in 1929, Alhassan Dantata (Dangote’s Grandfather) opened an account depositing 20 camel-loads of silver coins.
18. Jaja Wachuku is reputed to have owned the biggest one-man library in West Africa. Balewa sometimes referred to him as “Most Bookish Minister
19. The colonization of Nigeria took more than 40 years to achieve and the territories were integrated by the use of force.
20. Yoruba is spoken as a ritual language the Santeria cult in Carribean and South-Central America.
21. Slavery existed in the Nigerian territory before the 15th century and was abolished in the 19th century- 1807 by the British.
22. At least 55 women were killed in South-East Nigeria, in 1929 when the women forced the Umuahia warrant chiefs to submit to their rule.
23. The coinage ‘Supreme Court’ was first used in 1863 by the colonial administration through the enactment of the Supreme Court Ordinance No. II.
24. MKO Abiola died suddenly on July 7, 1998, exactly one month after General Sani Abacha died mysteriously on June 8, 1998.
25. Agbani Darego was the only one to wear a maillot as opposed to a bikini during the Miss Universe contest in 2001.
26. The ‘Ankara’ material is not indigenous to Nigeria. Our indigenous textiles include the Akwete, Ukara, Aso-Oke and Adire.
27. Aloma Mukhtar is the first female lawyer from the North and went on to become the first female Chief Justice of Nigeria.
28. The area known as Makoko town in Lagos was first a swamp, later sand-filled by the colonial government and served as the first bridge to the Island.
29. Esie Museum is Nigeria’s first museum, established in 1945. Once reputed to have the largest collection of soapstone images in the world.
30. Aminu Kano formed the Northern Teachers’ Association (NTA) in 1948, the first successful regional organization in the history of the North.
31. George Goldie, who played a major role in founding Nigeria, placed a curse on anyone who attempts to write his biography.
32. In 1996, John Ogbu, a Nigerian Anthropologist firmly advocated for the use of African-American Vernacular to teach in the U.S
33. Hausa Language indigenous to Northern Nigeria is spoken in 11 African States. Germany, French, U.S., and British International radio stations broadcast in Hausa.
34. The surgeon who ‘killed’ Stella Obasanjo was sentenced to 1 year in prison, disqualified for 3 years and fined €120,000.
35. The word ‘asiri’ means ‘secret’ in Hausa, Yoruba, Nupe and Igarra. It also means ‘gossip’ in Igbo.
36. Igbo-Ora in Oyo State, Kodinji in India and Candido Godoi in Brazil are the towns that produce the highest number of twin births in the world.
37. Bishop Ajayi Crowther, a Yoruba, in 1857 produced a reading book for the Igbo Language and a full grammar and vocabulary of NUPE in 1864.
38. The first TV broadcast in Nigeria and Tropical Africa was on October 31, 1959.
39. In 1978, a 50Kobo increase (from #1.50 to #2) in the cost of University Students’ meal per day caused the ‘Ali Must Go’ protests.
40. Albert E. Kitson discovered coal in Enugu in 1909. This discovery led to the building of Port-Harcourt town in 1912.
41. Today, only Nigeria has a larger black population than Brazil. More than 3.5 million Africans were captured, enslaved and transported to Brazil.
42. Groundnut pyramids were the invention of Alhaji Alhassan Dantata to stack bags before export.
43. In 1967, old traditional ruler, Oba Akran and A. Ademiluyi were jailed for 14 years (7 each) for stealing £504,750 (#2.5b).
44. Since 1960, Nigeria has been either ruled by an ex-lecturer/ex-teacher or military man. The only exceptions are Azikiwe and Shonekan.
45. If you visited Lagos in 1975, you could spend a day at the Presidential Suite of Federal Palace Hotel for #100, single room for #19.
46. The first aircraft to land in Nigeria landed in Kano in July 1925. A British fighter jet flew from Khartoum (present day Sudan).
47. In 1895, Koko of Nembe (now in Bayelsa) took 60 white men hostage. When the British refused his demands, more than 40 of those men were eaten.
48. The ‘Naira’ was coined by Chief Obafemi Awolowo when he was serving as the Federal Commissioner of Finance.
49. Koma Hill (settlement in Adamawa where people lived and practised the killing of twins) was discovered in 1986 by a NYSC corps member.
50. The pilot (Francis Osakwe) that flew Ojukwu away from Biafra (1970) was the same pilot that flew Gowon to Uganda (last flight as Head of State).
51. In 1986, Shehu Shagari was banned from participation in politics for life. The ban has still not been lifted.
52. As the wife of the deputy Head of State (Vice President of Nigeria) in 1984, Biodun Idiagbon personally ran a small ice cream shop in Ilorin..
53. Koma Hills (Adamawa State) inhabitants when discovered were observed to engage in the practise of borrowing wives among themselves.
54. Juju, Dashiki, Yam and Okra are words in the English dictionary that originated from ethnic groups located in present day Nigeria.
55. Nigeria has more English speakers than England, and more Muslims than Saudi Arabia and Syria.

OUR FOREFATHERS WERE HAPPIER THAN WE ARE BY ARIYE EBILABO

Happiness is a feeling of pleasure, contentment or joy. To be happier than someone is to possess’ joy or enough subtle pleasure and contentment more than another person. Some people might think, how was our forefather happier than we are? Well, there are a lot of reasons to enlighten you that they, in fact, happier than we are.
Realistic satisfaction:  Our forefathers live a simple happy life where they are satisfied with what they got, they live a reality, unlike us where we photoshop and airbrush and create expectations for ourselves which are virtual and we try hard to convince ourselves. Until we face the reality we will not know that our happiness scale is not even zero quarter of our expectation scale, and that is, we are never satisfied, that’s why we’re not happy and yet we continue feeding ourselves with virtual expectations, with lies. We don’t face the reality of life. That’s the difference between us and our forefathers.
Spending time with family: They knew the real meaning of spending time with family members. They give much time to their family and friends rather than wasting it on the internet and social media. They had tasted the real taste of childhood. Most of us don’t know simple games we ought to know at our age. We don’t have a childhood. We enjoy playing stupid games at each other. In those days, everyone had time for each other’s but now selfishness has rooted itself in our society.
Depression cases. Depression has indicated us more among the recent generations than among our forefathers. Many studies show this. Our forefathers defined happiness as contentment and fulfillment from long relationships. Our generation defined happiness with events of pleasure. Our forefathers were happier than us. In today generation, children are given loads of homework, some kids spend a lot of time on gadgets, social media, hanging out friends than their families, they do not have time to spend their children. Our generation does not care about others they are so self-centered. We do not live a life of happiness, we only care about earning money. Earning money is pointless and worthless if we are not happy. Happiness in our lives is very essential or important as it reflects our lives in many ways. ‘’Happy people live longer!’’ 
Adulterated food: We are not happier than our forefathers because we are now feeding on adulterated food. We now have adulterated food everywhere were as in those days, people have fresh food to eat which enable them to live longer than this correct generation.
 Air pollution: We lack fresh air to inhale due to carbon (IV) oxide in the atmosphere whereas in those days they had good air and no sign of air pollution.  We are living in a materialistic and dangerous earth, but our forefathers lived on sound earth. Today advancement has given rise to global warming, and today people think that they are happier but our spirits know that we are not because all means of technology have indirectly affected our lives in bad ways. For instance, diseases due to radiation from radio waves and ultra-violet rays from the sun that is penetrating our atmosphere due to man’s activities that causes skin cancer, sunburns which could also cause meningitis. In the days of our forefathers, none of these happened.   Most people would say we are better because we could cure the disease. But I want you to know that prevention is better than cure. Also, our forefathers didn’t have such disease that we have. Haven’t you noticed that it was the advancement of technology and the change of belief that natural disasters and such disease started unfolding gradually? In the days of our forefathers, they didn’t have serious diseases, their disease were just minor injuries which could be easily cured by medicinal herbs.
Economic Recession: Nevertheless, our forefathers never faced an economic recession. In our present time, we face tremendous economic problems. Today the economy is good, tomorrow is bad. A few years ago, we were in economic recession because of our present government. In the days of our forefathers, they were happy without selfish government. They live there simple life on their own. Though they had few leaders who governed them, they didn’t have problems with government and didn’t lack anything. Unlike us, today bag of rice will increase, tomorrow it will decrease, and our economy is so bad to the point that our cafeteria also increases their price, Limca bottle of #5 is now #80, sweets that were #1 is now #20. In the days of our forefathers' things were not like this.
Corruption: Everyone seemed equal but they still respected people of authority like king and rulers and everything still went smooth and good. There were low cases of theft and arm robbery as there were strict rules and regulations guiding them. There was nothing like high class, low class or middle class. They were happy with their kind of life that they were living. Unlike us, we can never be satisfied with anything.  There was nothing like Muslim or Christian. They had focus and straightforward. Moreover, don’t forget the fact that there were low rate or probably no corruption in their time. We still want more. Also we need to get more important fact that they were united. There were no diversity.  They were not that poor. Poor people were still regarded in the society. They love each other. Old people spend most of their nights to tell folktale with their children. But now most grandparents of this generation don’t do that. Everyone loves each other. We care for the person right next to us and were not bias.
Death: I acknowledge the fact of the modern civilization that we have through science and technology giving human many things to enjoy that are our forefathers had no access to, such as electricity and it's by-product. But the same civilization has created huge environmental degradation in the form of industrial wastes littering the land, air, and sea as pollution which in turn have led to a large number of death.
The world health organization said on Tuesday, September 27, 2016. That 92% of the world population breath are containing pollutant exceeding WHO limits, resulting in the huge number of death across the world. 

💚I love this life we are in.

Life is not about finding the right person, but creating the right relationship. It's not how we care in the beginning, but how much we care till the very end.

💚➖➖➖➖➖➖
Some people always throw stones in your path. It depends on what you make with them; a Wall or a Bridge? - Remember you are the architect of your life.

💚➖➖➖➖➖➖
Search for a good heart, but don't search for a beautiful face, coz beautiful things are not always good, but good things are always beautiful.

💚➖➖➖➖➖➖
It’s not important to hold all the good cards in life, but it’s important how well you play with the cards you hold.

💚➖➖➖➖➖➖
Often when we lose all hope & think this is the end, remember God and pray, it’s just a bend, not the end.' -

💚➖➖➖➖➖➖
Have faith and have a successful life. One of the basic differences between God and humans is, God gives and forgives. But the human gets and forgets. Be thankful in life...

💚➖➖➖➖➖➖
If u think it is your alarm clock that woke you up this morning, try putting it beside a dead body and you will realise that it is the Grace of God that woke you up. 

*LESSONS ON MARRIAGE*

1. *EVERYONE YOU MARRY HAS A WEAKNESS*

Only God has no weakness. Every rose flower has its own thorn. If you focus too much on your spouse’s weakness, you can’t get the best out of his/her strength.

2. *EVERYONE YOU MARRY HAS A DARK HISTORY*

No one is an angel, therefore, avoid digging one’s past. What matters is the present life of your partner. Old things are passed away. Try to forgive and forget. The past can’t be changed. So focus on the present and the future!

3. *EVERY MARRIAGE HAS IT’S OWN CHALLENGES*

Marriage is not bed of roses. Every shining marriage has gone through its own test of hot and excruciating fire. True love is proved in time of challenge. Fight for your marriage! Make up your mind to stay with your spouse in time of needs. Remember this is the vow you made on your wedding day!

4. *EVERY MARRIAGE HAS DIFFERENT LEVELS OF SUCCESS*

Don’t compare your marriage with anyone! We can never be equal, some will be far in front and others far behind. To avoid marriage stresses, be patient, work hard and with time, your marriage dreams shall come true.

5. *TO MARRY IS TO DECLARE A WAR*

When you marry, you must declare a war against enemies of marriage. Some of the enemies of marriage are: Ignorance, Rumours,  Prayerlessness, Unforgiveness, Adultery, Third Party Influence, Stinginess, Stubbornness, Lack Of Love, Rudeness, Wife battery, Laziness, winning, nagging, PRIDE,  Divorce etc. Be ready to fight to maintain your marriage zone.

6. *THERE IS NO PERFECT MARRIAGE*

There is no ready made marriage anywhere. Marriage is hard work, volunteer yourself and perfect it daily. Marriage is like a MOTOR CAR with a gear oil, gear box, etc If these parts are not properly maintained, the car will break down somewhere along the road and expose the occupant to unhealthy circumstances. – Many of us are careless about our marriage… Are you? If you are, please pay attention to your marriage.

7. *GOD CANNOT GIVE YOU THE COMPLETE PERSON YOU DESIRE*

God gives you, her or him in form of raw materials in order for you to mold what you desire. You may desire a woman who can pray for 1 hour but your wife can only pray for 30 minutes. With your love, prayer and encouragement, she can improve.

8. *TO MARRY IS TO TAKE A RISK*

You cannot predict what will happen after marriage, as situation may change, so, leave a room for adjustment. Pregnancy may not come in the next 4 years. You may get married to her because she's slim but she becomes a little fat after a child. He may lose his beautiful job for years that you have to take the financial responsibility of the family until he gets a new job. But with God by your side, you will smile at long last.

9. *MARRIAGE IS NOT A CONTRACT, IT IS PERMANENT*

Marriage needs total commitment, love is the glue that makes a couple stick together. Divorce starts in the mind. Never think of divorce! Never threaten your spouse with divorce. Choose to remain married! God hates divorce, though it’s permitted only in extreme cases.

10. *EVERY MARRIAGE HAS A PRICE TO PAY*

Marriage is like a bank account. It is the money you deposit into your bank account that you can withdrawn. If you don’t deposit love, peace and care into your marriage, you are not a candidate of a blissful home. There is no free love in marriage, You cannot love without giving and sacrificing.

*May God grant us the grace and wisdom to succeed in it. Amen!!


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