Am Richard chem or i was born and raised in the rift valley to a family of 9 member's, I grew up close to my mother as my father was always busy with farming activities and business.

I studied at kipkaren primary school and Uasin gishu high school, I later joined the Eldoret institute of business studies were i took a diploma in social science, After college i managed to secure a job at a non government institution were i worked for two years before my contract was due.

I came back home last year and tried to secure but was in vain.

During my time in college i used to do online freelance as a way to survive and when i became desperate of a job i went back to online freelance.

I like traveling and swimming.

I do online freelance were i major in local companies, My work is to advertise companies and the products they offer, I earn a commission from items sold and so far so good am doing great and with six companies that are my clients i manage to raise income for my rent and cater for basic needs I also do online writing and transcriptions which earns me a weekly commission.

Granted the funds i will make it 250 us dollars and use the money to buy a laptop.

Once i buy a laptop at 250 us dollars i will be able to be flexible work from any wifi hot spot and increase my income by 30 percent.

I will then repay the loan as i improve my life.