The Amazing Formula For Wealth Creation - Wiki Village
The Amazing Formula For Wealth Creation - Wiki Village
The Amazing Formula For Wealth Creation - Wiki Village
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<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> <strong>For</strong><br />
<strong>Wealth</strong> <strong>Creation</strong><br />
ISBN 0-620-35348-1<br />
How How I I made made R R 1 1 016 016 167 167 167 from from a a 79 79 cents<br />
cents<br />
investment investment in in less less than than 40 40 weeks<br />
weeks<br />
BY<br />
Dr. Dr. Hannes Hannes Dreyer<br />
Dreyer<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 1
Dear <strong>Wealth</strong> Seeker<br />
<strong>The</strong> fact that you have ordered this e-book shows you are interested in making<br />
money in abundance and at the same time want to have a fulfilling and balanced<br />
life. Because of the aims we thus share I would like to work with you personally if<br />
you will allow me to assist you to reach your financial and other goals.<br />
I am Hannes Dreyer.<br />
I am 48 years old and I am living my dream and my passion.<br />
As I wrote this, my <strong>Wealth</strong> <strong>Creation</strong> Mentoring Course had been running for forty<br />
weeks since its inception. This is based on the most amazing formula for wealth<br />
creation in the world. I would like to share this <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong><br />
<strong>Creation</strong> only with those who have open minds and are willing to learn.<br />
What is a <strong>Wealth</strong> Creator?<br />
It is a person with the ability to let his money work for him – instead of working for<br />
his money – to create, preserve and transfer their wealth.<br />
<strong>The</strong> <strong>Wealth</strong> <strong>Creation</strong> Mentoring Course started off as a challenge – you can<br />
read all about it on the website www.hannesdreyer.co.za. - to teach you how to<br />
empower yourself by accepting responsibility for your future by becoming a<br />
<strong>Wealth</strong> Creator.<br />
I am going to share the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong> <strong>Creation</strong> with you in the<br />
hope that you will learn and apply what is necessary in order to live your dream.<br />
Although the <strong><strong>For</strong>mula</strong> is simple, it is not easy to implement because you will need<br />
to take full responsibility and be willing to put in time and effort to make your<br />
dreams come true.<br />
I hope that this e-book will introduce you to a fascinating NEW way of life.<br />
I challenge you: read this e-book, study and utilise it as a guide to help and<br />
motivate you to accept the challenge to become a <strong>Wealth</strong> Creator yourself and to<br />
experience a life of wonderful abundance.<br />
As a final motivation to read and study this book, I have set up a simple (but not<br />
so easy) challenge to see if you have the wherewithal to become a <strong>Wealth</strong><br />
Creator.<br />
<strong>The</strong> underlying purpose of this e-book is to empower you and supply a<br />
framework to becoming a <strong>Wealth</strong> Creator without risk or spending any of your<br />
money. It only requires a burning desire to take responsibility for your life and<br />
invest the necessary time and effort to create your perfect life.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 2
Read the book and then face your PERSONAL CHALLENGE in Chapter Two...<br />
Your life will never be the same. This I promise.<br />
Don’t be misled by the simplicity of the formula – it leads to spectacular results!<br />
Enjoy the process.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 3
Prologue<br />
Free E-Book<br />
<strong>The</strong> AMAZING FORMULA FOR WEALTH<br />
CREATION<br />
by<br />
Dr. Hannes Dreyer<br />
To share the insights in this book with as many people as possible, you have<br />
Hannes Dreyer's permission to pass it on to others – provided you do not alter or<br />
modify it in any way. You can under no circumstances sell the book in any form.<br />
This book consists of four chapters. <strong>The</strong> first chapter contains a basic overview<br />
of the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong>. <strong>The</strong> author used this formula to<br />
convert 79 cents into more than ONE MILLION RAND in less than 40 weeks.<br />
In the second chapter the author sets out a complete system and strategy that<br />
can help you become a <strong>Wealth</strong> Creator yourself without taking financial risks.<br />
In the third chapter the author retells some of the successes his students shared<br />
with him. <strong>The</strong>se letters are the “testimonials” of the radical results the application<br />
of the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong> <strong>Creation</strong> has had in people’s lives.<br />
<strong>The</strong> fourth chapter contains details about the author and his background.<br />
Hannes has a passion to teach. He wants to provide knowledge, tools and<br />
strategies to willing people to become <strong>Wealth</strong> Creators. His thesis for his masters<br />
degree was “Residential Property as an Investment Instrument” and his doctoral<br />
thesis “Applying the <strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong> <strong>Creation</strong> to develop successful<br />
entrepreneurs and investors”<br />
Hannes is a non-practicing Certified Financial Planner<br />
This e-book is the direct result of a challenge he accepted in December 2004 to<br />
prove that it is easy to make money on condition that you know and apply the<br />
<strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong>. In the process he disproved the adage that you<br />
must have money to make money.<br />
This book was written by:<br />
Dr Hannes Dreyer<br />
Published by the <strong>Wealth</strong> <strong>Creation</strong> Trust, Pretoria, South Africa<br />
ISBN 0-620-35348-1<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 4
Disclaimer and/or legal notice<br />
While every attempt was made to verify the information provided in this e-book,<br />
neither the author nor the publisher or their partners and business entities<br />
assume any responsibility for any errors, inaccuracies or omissions.<br />
<strong>The</strong> information contained in this e-book is intended to give you a broad overview<br />
of key principles of the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong> <strong>Creation</strong>. It is not intended<br />
as a substitute for sound financial, legal, accounting and tax planning. Always<br />
seek specialist financial, legal and tax advice.<br />
Although the material published in this manual and the information given in the<br />
accompanying Mentoring Course is designed to provide accurate and<br />
authoritative information with regard to the subject matter covered, this e-book is<br />
given to you with the understanding that the publishers and author are not<br />
engaged in rendering legal, financial, tax, accounting or any other professional<br />
service.<br />
<strong>The</strong> author and publisher disclaim any personal liability, loss or risk incurred as a<br />
result of the use of any information contained in this e-book. Unless you know the<br />
<strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong> and how to apply the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong><br />
<strong>Creation</strong> as explained in the <strong>Wealth</strong> <strong>Creation</strong> Mentoring Course the publisher<br />
and author do not guarantee that the reader of this e-book will make any profit<br />
from its contents.<br />
All case studies of success are based on facts and were supplied with<br />
permission to publish them. We did not materially alter the copy we received –<br />
and very little grammar! Whilst we did not verify the validity of the contents we at<br />
the same time have no reason to doubt any of it.<br />
Dedication<br />
This book is dedicated to my wife, business partner and best friend, Tanja, for<br />
her 23 years of love, trust and support.<br />
My thanks go to Karla and Lara my two beautiful daughters who add excitement<br />
and meaning to my life.<br />
Most of all I want to praise and thank God – our only real WEALTH CREATOR -<br />
for the wonderful gifts and opportunities He has given me.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 5
CHAPTER ONE<br />
Table of Contents<br />
How I made R 1 016 167 from a investment of 79 cents in less than 40<br />
weeks by applying the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong> <strong>Creation</strong><br />
CHAPTER TWO<br />
How to become a <strong>Wealth</strong> Creator yourself without taking any risks<br />
CHAPTER THREE<br />
<strong>The</strong> real stories behind the story<br />
CHAPTER FOUR<br />
Hannes Dreyer’s CV<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 6
CHAPTER ONE<br />
THE AMAZING FORMULA FOR<br />
WEALTH CREATION<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 7
…………. I was a bit skeptical at first<br />
due to my two personal golden rules<br />
for investments (and life, for that<br />
matter)<br />
1. <strong>The</strong>re is no such thing as a free<br />
lunch, and<br />
2. If something sounds too good to be<br />
true, it usually is.<br />
Your advert violated both these rules<br />
but I decided to go and listen anyway.<br />
I’ve attended timeshare promotions<br />
before and if I could walk out of there<br />
without opening my wallet, I was sure<br />
I could do the same to you!<br />
……......…At his seminar I had an<br />
“Eureka!” moment as I realized that<br />
Hannes was addressing the needs<br />
and wants that I had had inside of me<br />
for so long and some others which I<br />
did not even know I had. It was a<br />
feeling of enlightenment when it<br />
dawned on me that I had been looking<br />
for this man bearing this message of<br />
hope and guidance for the previous<br />
two years.<br />
……………What I like the most about<br />
Hannes’ approach is that he is not<br />
selling quick fixes – unlike many other<br />
“mentors” - but rather teaches you<br />
how to do the mending so that you<br />
can effect the repairs yourself!<br />
Introduction<br />
Talent develops itself in solitude, character in life's stream.<br />
Goethe<br />
My passion is to teach willing people how to become <strong>Wealth</strong> Creators.<br />
<strong>The</strong> past four years I have concentrated on teaching people how to invest in real<br />
estate, because in learning HOW to invest in property you will automatically be<br />
introduced to some of the Fundamental Principles of the <strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong><br />
<strong>Creation</strong>.<br />
I was the first person in South Africa to<br />
teach others how to use a proven system to<br />
invest successfully in property.<br />
Since then I have addressed more than fifty<br />
thousand people, teaching them why<br />
property can be either a good or a bad<br />
investment and how to use a proven system<br />
to determine the risk and growth potential in<br />
any property.<br />
It still amazes me to see how little people<br />
know about Property Investments and how<br />
much I can contribute to helping others by<br />
showing them within a day how to use my<br />
system, called the Property Pro Program.<br />
Let me sketch the background of how I<br />
discovered the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong><br />
<strong>Creation</strong>.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 8<br />
<strong>The</strong> Birth Of <strong>The</strong> <strong><strong>For</strong>mula</strong><br />
Just don't give up trying to do what you really<br />
want to do. Where there is love and<br />
inspiration, I don't think you can go wrong.<br />
Ella Fitzgerald<br />
In 1987 I was a professional financial<br />
planner with Volkskas Bank in South Africa.<br />
I was one of their top insurance brokers.<br />
Although I was doing exceptionally well I realised that unless I could let my<br />
money work for me I would continue to work for my money all my life. I searched<br />
for ways beyond the conventional to invest my surplus income.
<strong>The</strong> reason I did not consider the conventional or “normal” ways of investing was<br />
<strong>For</strong> me, success is about being on the edge<br />
and experiencing life at full throttle. It’s<br />
about doing what I always dreamed of<br />
doing … and doing just that. It’s what so<br />
many of my friends talk about doing, but<br />
don’t do. Success for me means the blood<br />
pumping through my veins. When you are<br />
in the heart of Mother Nature, the ocean,<br />
and disappearing behind a curtain of water,<br />
surrounding you but not touching you, this<br />
is when I am at my peak and the success is<br />
burning through my veins. This sensation<br />
you will never know, unless you have been<br />
there yourself, like when I am travelling at<br />
great speed on snowy white ice surfaces<br />
and the slightest twist or the wrong weight<br />
distribution can mean the end of your ride.<br />
It’s when you feel comfortable with tunnel<br />
vision and fear is the factor that keeps you<br />
alive. This is where calculated risks play<br />
the most important role in the balance<br />
between survival and oblivion and creates<br />
the greatest thrill for me on this planet….<br />
……so today I am applying all of Hannes<br />
Dreyer’s methods to my own life. When I<br />
am away on my film-shoots in Peru or<br />
Mexico, surfing the planet's most beautiful<br />
waves I know that every Friday I have an<br />
appointment with the Professor. Not<br />
always easy to print out the lessons in the<br />
little Internet shops all over the world. But<br />
I get my printouts and this is my day-today<br />
inspiration. My willpower to carry on<br />
and turn my biggest goals into reality.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 9<br />
because I could see that the<br />
projected growth rate the financial<br />
institutions promised was inadequate<br />
if I wanted to “retire” some age<br />
before I reached fifty. At that stage I<br />
was thirty years old and my goal was<br />
to be financially free before the age<br />
of fifty.<br />
I calculated that if I followed the<br />
financial institutions' advice I would<br />
need a lot of money in order to make<br />
enough money to retire at the age of<br />
65. But I wanted to retire at 50 and I<br />
knew that would be totally<br />
impossible. I felt then there had to be<br />
another way.<br />
Selling insurance policies in 1987<br />
was easy. My “real job” however in<br />
1987 was to find a better way, where<br />
my money would work for me<br />
instead of me working for my money.<br />
I looked at property as an option, but<br />
soon ran into a problem. It was<br />
almost impossible to calculate the<br />
real growth on my investment. Many<br />
people claimed they could calculate<br />
the growth on their investments but<br />
they were confused. What they did<br />
was calculate the growth on their<br />
property – in other words how much<br />
their property has appreciated over a<br />
period of time – but they could not<br />
calculate the growth on their<br />
investment. I am one of those people that believe that problems create<br />
opportunities and I began working on a solution to the problem.<br />
Unwittingly I had started the journey to discover the <strong><strong>For</strong>mula</strong> for Riches<br />
In order to calculate the growth on my surplus I developed the Property Pro<br />
Program. <strong>The</strong> original purpose was to determine the growth potential in any<br />
specific property investment.<br />
Different kinds of property investments – which one?
Success is the result of good judgment, good judgment is a result of experience, and<br />
experience is often the result of bad judgment.<br />
Tony Robbins<br />
<strong>The</strong>re are different ways to invest in property and different classes of property.<br />
<strong>The</strong> two different classes of properties are residential and commercial. To make<br />
things more complicated in each class of<br />
…….<strong>The</strong> lesson learned is keep<br />
on reviewing the information that<br />
Hannes gave us - and be patient.<br />
property there are different ways to invest (or<br />
so I thought in 1987). You can buy and sell,<br />
develop, or buy property as a long-term<br />
investment. In 1987 I did not know which class<br />
of property would be the best and I also did not<br />
know the best option in which to invest my money, time and effort<br />
It was while experimenting with the results of the program that I figured out a<br />
system to calculate the growth potential in any class or type of property<br />
investment and also accidentally developed a system to determine the risk<br />
potential in any property investment.<br />
This was quite an eye-opener. <strong>The</strong>n for the first time I had a “tool” to determine<br />
the risk and growth potential in any property.<br />
Because of this I became aware that if I changed any one of the more than<br />
twenty variables inherent in any property investment, both the risk and the growth<br />
potential changed.<br />
What was more fascinating was the fact that the results were mostly the direct<br />
opposite of what I had been taught in my professional training. I was a qualified<br />
financial planner at that stage.<br />
This was scary. I suspected the methodology behind the Property Pro Program<br />
was incorrect. How on earth was it possible that I could lower the risk and<br />
simultaneously increase the growth on my investment by applying well known<br />
strategies like gearing or negotiations?<br />
This was contrary to what I had been trained to believe.<br />
At university and during my studies to become a financial planner I was taught<br />
that “the higher the risk of any investment the higher the growth will be.”<br />
Now I had proof that this theory of “the higher the risk the higher the<br />
growth” was simply not true. In fact the basic truth was so simple and obvious<br />
that I could not believe I had overlooked it.<br />
I think the reason why I did not “see” the obvious was because I was conditioned<br />
to be an expert as a Certified Financial Planner.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 10
Ignorance will keep us poor even if we make a lot of money.<br />
"Money is in some respects like fire; it is a very excellent servant, but a terrible<br />
master."<br />
P.T. Barnum<br />
Sometimes the TRUTH is so obvious that we tend to overlook it. Let me tell you<br />
what brought about this revelation.<br />
In my negotiations on a property transaction I calculated that I simply could not<br />
afford a property based on the asking price. <strong>The</strong> only way I could buy the<br />
property was if the owner was prepared to take a lot less than the asking price.<br />
I told the Estate Agent I wanted to offer less, but he immediately advised me that<br />
he “knew” the seller who would not accept a lesser offer.<br />
About a month later the property was still on the market. I approached the Estate<br />
Agent again but this time I said that I had decided to make an offer to purchase.<br />
He filled out the offer to purchase and wrote in the original asking price. I said it<br />
was not the price I was willing to pay. <strong>The</strong> offer I was putting forward would in<br />
fact even be lower than the previous price we had discussed as I had decided to<br />
deduct all the costs of the transaction as well.<br />
<strong>The</strong> estate agent was not pleased or impressed but I stuck to my offer saying I<br />
simply could not afford to pay more.<br />
He reluctantly presented the offer to the seller who phoned and asked me to<br />
increase my offer by R20 000 and I would have a deal. I told my offer was final<br />
as I could not afford a cent more.<br />
<strong>The</strong> day the offer expired the seller accepted it.<br />
I had bought a fabulous property and in the process saved myself a lot of money.<br />
My first financial lesson – the lower the risk the higher the growth.<br />
A little security is sometimes worse than no security at all.<br />
David T. Chase<br />
That evening I realized I had lowered my risk because I had paid less. At the<br />
same time I had increased the growth of my investment because I had bought<br />
the property below the “perceived” market value.<br />
In other words the lower the risk the higher the growth on your investment.<br />
This is directly the opposite of what we are taught. Yet it is so logical that most<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 11
people overlook this truth, mostly because we are so conditioned to believe and<br />
never question what financial institutions teach us.<br />
Let me explain this truth by using an example.<br />
<strong>The</strong> first thing is to determine the “real” value of the property as there is more<br />
than one value to any investment.<br />
…… <strong>The</strong> reason is that I DO<br />
want to share with people what a<br />
wonderful contribution you are<br />
making to educating and helping<br />
anyone who is willing to learn and<br />
invest in himself …….. Meantime,<br />
it is so good to look forward to<br />
Fridays, when I can download the<br />
next lesson to work on, to hold<br />
onto that “helping hand” to<br />
financial freedom and success<br />
Do you know what the market value is as<br />
opposed to the real value (intrinsic value) of<br />
any investment? I will explain this a little later.<br />
Most investors do not know this.<br />
Let us assume the intrinsic value is R1 million<br />
but the seller wants R1.3 million (market value)<br />
If I offer him R1.3 million and I have to resell<br />
the property immediately for whatever reason<br />
and only get the intrinsic value of R 1 million.<br />
I have lost R300 000.<br />
This loss is a real risk. To me losing capital is risk.<br />
If however I can get the property for R700 000 and the intrinsic value is R1<br />
million which I can get on a quick resale, I would have made a profit of R 300<br />
000.<br />
It is therefore better and a lot less risky (exactly R600 000 less risky!) to buy the<br />
property for R700 000 than for R1 300 000.<br />
I also change a loss of R300 000 into a profit of R300 000.<br />
By paying R600 000 less I will increase my profit by only R300 000 – if I sell at<br />
the intrinsic value of the property - unless I can find someone else that is willing<br />
to pay me the R1 300 000, which is possible but may take more effort.<br />
Let’s take it one step further<br />
If the seller wanted R1 million for the property and I paid R1 million then my risk<br />
and profit are R0 – provided the value of the property is R1 million and I can get it<br />
when I sell.<br />
If I buy it for R700 000 I save R300 000 – in other words I Iower my risk by R300<br />
000. If I then sell the property for R1 million I of course make R300 000 profit.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 12
Thus if I can determine the intrinsic value I avoid a lot of risk because I am not<br />
going to pay more than the property is worth – even if the perceived value, also<br />
called the market value, may be more. Anything you pay more than the intrinsic<br />
value of an investment is financial suicide.<br />
<strong>The</strong> ART of investing is to be able to determine the intrinsic value of an<br />
investment. You must always pay less than the intrinsic value if you want to be<br />
an investor. If you pay less than the intrinsic value you create “real” value and<br />
you lower the risk in any investment.<br />
WHY do most people commit financial suicide?<br />
"<strong>The</strong> difference between greatness and mediocrity is often how an individual views a<br />
mistake."<br />
Nelson Boswell<br />
Right now the majority of so-called investors are walking on thin ice due to<br />
financial ignorance as they do not know how to determine the intrinsic value of a<br />
property or any other investment themselves.<br />
<strong>The</strong>y listen to other people and base decisions on emotion.<br />
………………..I read every book<br />
I could about investments and then<br />
read in the newspaper about a<br />
seminar presented by Hannes<br />
Dreyer and attended the course in<br />
January 2004 to improve my<br />
knowledge. I then realized that the<br />
best investment I have ever made<br />
was the money invested in the<br />
course…….In 2004 we bought 14<br />
properties…….. We have built a<br />
very good passive income stream<br />
with what we have learned from<br />
Hannes. ……………..I have since<br />
enrolled in the Mentor course and<br />
can’t wait for Fridays to learn<br />
something new. Thank you for a<br />
life changing opportunity.<br />
This is only the tip of the proverbial iceberg.<br />
As already explained, the market value is not<br />
the “real” value of an investment. <strong>The</strong> market<br />
value is what the average investor will pay for<br />
a specific property at a given time and under<br />
certain conditions such as low interest rates.<br />
Market value is influenced by the general<br />
investor sentiment about a specific class of<br />
investment at a given time.<br />
In any investment there is a “real” value.<br />
Sometimes the market value can be more than<br />
the “real” value. In other words, the average<br />
investor will pay more than the investment is<br />
worth. This is typical of what is happening at<br />
the moment (Sept 2005) in the property market<br />
in South Africa.<br />
<strong>The</strong> opposite is also true. <strong>The</strong> market value can be less than the “real” value of a<br />
property.<br />
<strong>The</strong> “real” value is called the intrinsic value – If you want to become an investor<br />
you must know how to determine the intrinsic value of any class of investment,<br />
otherwise you will not be able to determine your real risk in an investment.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 13
<strong>The</strong> discovery of the real value, real risk and real growth on any property<br />
investment.<br />
"People of mediocre ability sometimes achieve outstanding success because they<br />
don't know when to quit. Most men succeed because they are determined to.<br />
George E. Allen<br />
………………..I look forward each<br />
Friday to the next lesson to follow, I<br />
spend evenings in the week going<br />
over and over previous lessons<br />
trying to digest all the information.<br />
<strong>The</strong> material is simple down to earth<br />
common sense but the there is an<br />
underlying thread, of, I want to use<br />
the word goodness that makes just<br />
reading the material a class one<br />
experience. You can feel that it is<br />
good for you!<br />
<strong>The</strong> main thing that I have found the<br />
hardest to face is Taking<br />
Responsibility for oneself This is the<br />
best piece of advice anyone can give<br />
another, and the words are easily<br />
said, but the action is hard.<br />
That is where I find you are helping<br />
so much as mentoring is not about<br />
telling everyone what to do, but<br />
giving the knowledge on how to do<br />
yourself.<br />
I know and can feel I am changing<br />
slowly. I have started being more<br />
aware of how to spend ones time<br />
productively, have a more enquiring<br />
mind to learn more about investing in<br />
the property market, and all these<br />
positives have come from attending<br />
a Hannes Dreyer seminar!<br />
I could determine the real growth and real<br />
risk in any class of property investment in<br />
1987 because I had developed the Property<br />
Pro Program<br />
I had also found, contrary to what I had<br />
believed about risk versus growth, that the<br />
lower the risk the higher the growth.<br />
At that stage I felt I had discovered the<br />
biggest treasure in the world. I immediately<br />
started sharing this newfound “wisdom” with<br />
my peers. Needless to say they were not<br />
nearly as excited as I was. In fact they<br />
blatantly refused to discuss the topic with me.<br />
To them this was not part of financial<br />
planning and we as financial planners were<br />
not allowed by contract to sell any other<br />
product than those that the financial<br />
institutions allowed us to sell – which were<br />
their own products.<br />
With my new tool I “discovered” that there<br />
was no correlation between the growth of a<br />
property (the area) and the growth on your<br />
investment in the property.<br />
Again, this did not make sense to me as I<br />
had been taught that there were only three<br />
criteria to good property investment. You guessed right: Location, Location,<br />
Location.<br />
By comparing literally hundreds of properties in different areas I quickly realized<br />
that location plays a very small part in the overall growth on your investment.<br />
I could in fact prove that the better the area the higher the risk factor!<br />
I also discovered about two dozen different techniques, strategies or managerial<br />
techniques you can use to manage growth and risk in any long-term property<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 14
investment. In applying these techniques you not only lower the risk but at the<br />
same time increase the growth on your investment<br />
I discovered yet another interesting phenomenon. By applying different strategies<br />
and layering them on top of each other the results will increase exponentially. In<br />
other words if I used only one strategy at a time there would be a change in the<br />
risk - and growth improved compared to not using the strategy - but the moment I<br />
started using more than one strategy on the same property the improvement in<br />
results were spectacular, to say the least.<br />
In my free <strong>Wealth</strong> <strong>Creation</strong> seminars (for more information visit<br />
www.hannesdreyer.co.za) I demonstrate how to take a property and change the<br />
growth on your investment of just more than 13% into a growth of more than<br />
100% by applying only three of these strategies.<br />
When I explained this to my financial colleagues in 1987 they thought I had lost<br />
my mind and blatantly said so and added I should rather concentrate my energy<br />
on selling insurance policies as time-proven secure and solid investments.<br />
........ - all of these "skills" taught by<br />
Hannes are definitely very helpful<br />
and indispensable during any<br />
investment deal, but his DLMS is<br />
INDISPENSIBLE in your whole life!<br />
And what a turn-around this made<br />
to my life! My WHOLE life! And I’m<br />
responsible for it!<br />
Hannes, thanks for the wonderful<br />
work you’re doing! Keep it up - no<br />
matter WHAT some "selfproclaimed<br />
experts" might say!<br />
I ignored their remarks and experimented with<br />
property as investment. I bought my first<br />
commercial property in 1987; the results were,<br />
to say the least, spectacular. I had never in my<br />
life thought that it was so easy to get the kind<br />
of return on any investment as I got from that<br />
first commercial property.<br />
My Property Pro Program incorporates the<br />
<strong><strong>For</strong>mula</strong> <strong>For</strong> Riches in a property investment<br />
system. Using the system it is possible to<br />
within minutes identify the risk and growth<br />
potential in any kind of property investment,<br />
anywhere in the world, and in any location. Once you have identified the risk and<br />
growth in the property you can apply different management techniques in order<br />
to lower the risk and increase the growth on your investment in that specific<br />
property.<br />
<strong>The</strong> next truth<br />
"Enjoy the little things, for one day you may look back and realize they were the big<br />
things."<br />
- Robert Brault<br />
Everything is not always as easy as it seems. Although my money began working<br />
for me I soon realized there were other factors playing very important roles in<br />
investment.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 15
I realised that the <strong><strong>For</strong>mula</strong> <strong>For</strong> Riches and how to invest in property was only a<br />
part of the <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Although it is easy to make money with property if you know how, there is a far<br />
better way to build wealth which creates the opportunity to live happily and in<br />
abundance. This way to achieve your goals is called the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for<br />
<strong>Wealth</strong> <strong>Creation</strong><br />
What I want to do in this e-book is to introduce you to a formula<br />
incorporating a few simple principles and strategies I have used over the<br />
last 40 weeks to turn 79 cents into more than a R1 000 000 investment.<br />
I believe that everyone, once they know the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> associated<br />
with creating wealth, success, and happiness, can do the same if they<br />
implement it.<br />
<strong>The</strong> number one reason why people are not financially successful is because<br />
they are financially ignorant.<br />
..................my wife and I needed<br />
to be exposed to different<br />
thinking and Hannes was just<br />
the guy to do so. <strong>The</strong> Mercedes<br />
principle has been my missing<br />
link. <strong>The</strong> workshop has inspired<br />
me to look at a completely<br />
different deal.................<br />
Let me explain. I have observed numerous<br />
people who nurture anxiety and discouragement<br />
because they don’t understand how to make<br />
their lives more prosperous. <strong>The</strong>y do not know<br />
that there is a foolproof system called the<br />
Dynamic Lifestyle Management System that<br />
can help them to the life they dream about.<br />
Creating wealth is not about how hard you try, or<br />
how intelligent and knowledgeable you are. It is<br />
about being effective in doing the basics right consistently. It is these<br />
fundamental principles I explain in my <strong>Wealth</strong> <strong>Creation</strong> Mentoring Course<br />
What I teach my students is that by following a system anyone can learn to live<br />
his life in freedom and not as a slave.<br />
What is a <strong>Wealth</strong> Creator?<br />
"It is the heart that makes a man rich. He is rich according to what he is, not<br />
according to what he has."<br />
Henry Ward Beecher<br />
It is the only profession in the world where you can learn to let your talents, time<br />
and money work for you, to create, preserve and transfer wealth and have a life<br />
of great abundance.<br />
Here is the hard part: although the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong> is<br />
simple it is not easy to follow.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 16
Why? It is of no avail reading about something or knowing what to do. <strong>The</strong><br />
difficult part is to actually apply what you know - and then to keep on doing it. In<br />
other words, to be persistent until the application of an action becomes a habit. In<br />
creating wealth it is better to do a little bit regularly than a lot only once.<br />
How do you eat an elephant? One bite at a time. This simple principle is<br />
applicable to wealth creation. Do the right things consistently.<br />
When I talk about wealth I refer to it in the bigger scheme of things. I include<br />
peace of mind, happiness, fulfillment and success.<br />
Personally, I think we all are our own worst enemies. We limit our thinking. We<br />
allow others to influence us by telling us what we can and cannot do. We allow<br />
them to control our thinking and our belief system when it comes to creating<br />
wealth and money.<br />
...Reviewing your lessons brought<br />
me to a new realization and that<br />
was the necessity of building a<br />
strong foundation. I have been<br />
growing on a spiritual and<br />
emotional level, even if it did not<br />
yet show in my financial situation. I<br />
was indeed preparing myself for<br />
success….I am grateful for having<br />
found a mentor, I am grateful for<br />
this process.<br />
In my journey of the past 40 weeks I wanted to<br />
prove to the skeptics that you do not need<br />
money to make money. That is why I<br />
structured my investment in such a way that I<br />
could invest less than R1 – in fact only 79<br />
cents.<br />
I see that people do not know the power of a<br />
rand. Can you imagine what we could do if we<br />
all had the ability to take just one rand and<br />
convert it into R1 000 000 in less than 40<br />
weeks? What do you think would happen to<br />
our economy if each person in South Africa could learn to do the same? We<br />
would be living in paradise.<br />
<strong>The</strong> good news is that it is possible. You do not need a brilliant mind to do it.<br />
You do not need a lot of money. I set out on this journey with less than one rand<br />
to prove that it is possible.<br />
You do not need to take any risk. In fact I am one of the most conservative<br />
investors you can find and you will shortly find out why I say this.<br />
What I have done – and what my mentoring students will confirm - is to apply<br />
basic universal principles to let one rand work for me.<br />
Just to make sure you understand the last sentence I want to repeat it. I used<br />
basic universal principles to let the one rand WORK FOR ME.<br />
AND THESE BASIC UNIVERSAL PRINCIPLES ARE INCORPORATED IN THE<br />
AMAZING FORMULA FOR WEALTH CREATION<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 17
….<strong>The</strong> Two months workshop ago I was saw mind- an<br />
blowing. advertisement It literally in the took paper," me weeks<br />
to <strong>Wealth</strong> absorb <strong>Creation</strong> all the information - Free Seminar- and<br />
possibilities……Hannes, Cape Town". Needless to do say you I<br />
know attended what and is nice got one about hell the of a<br />
mentoring rude awakening. program In – front I no of longer me<br />
feel stood alone a self anymore, made man there (he are has<br />
other discipline), people who just is like prepared me who to are<br />
in teach the same me his boat, secrets and (he the is best not part<br />
is selfish), that we who are want having to see the greatest<br />
mentor everybody in the succeed world giving financially, us<br />
guidance mentally and to also physically be successful (he truly in<br />
future. cares) and most of all he is<br />
genuine. Why will I not invest in<br />
somebody like that to teach me his<br />
secrets?<br />
Thank you Hannes and your team<br />
for giving me the opportunity to<br />
live a life of abundance. Now I<br />
know what David Mc Nully meant<br />
when he said,” Even Eagles need<br />
a push".<br />
We have been trained to work for our money.<br />
Is this not what we are doing when we go to<br />
school or university? We learn how to become<br />
professional or we learn how to do a job. Why?<br />
In order to earn an income. In other words we<br />
are trained to become the slaves of money.<br />
We make a lot of money during our lives – only<br />
to retire “poor” at the age of 65. WHY?<br />
Because we have never learnt HOW TO LET<br />
OUR MONEY WORK FOR US.<br />
Now here is the golden rule about money. We<br />
have only two choices when it comes to<br />
money. Either money is your slave or you are<br />
the slave of money.<br />
If you work for your money – then you are the<br />
slave of money.<br />
If your money is working for you – then money<br />
is your slave.<br />
How do you tell which is which? Easy - if you have been working for more than<br />
five years and you cannot afford to stop and maintain your standard of living then<br />
you do not know how to let your money work for you. In other words you were<br />
trained to be the slave of money.<br />
In order to let our money work for us we must have some money. I call this a<br />
surplus. Unless you have some money to work for you it is not going to work.<br />
Why not? Because you will need that money in order to maintain your standard<br />
of living.<br />
Let me quickly define what a surplus is. You take your income minus living<br />
expenses. If there is something left after you have deducted your living expenses<br />
from your income we call it a surplus.<br />
If there is not enough to pay for everything we call it a shortfall. In other words<br />
most people cannot begin the process to become an investor – simply because<br />
they do not have a surplus to start off with. <strong>The</strong>y take money they cannot really<br />
afford and invest it, but before the investment begins to work for them they<br />
withdraw the investment (principal) or the gains on the principal. In general,<br />
people do not give their investment a chance to become productive.<br />
Perhaps I must explain a bit more. As a financial planner I saw that people will<br />
invest in some kind of a savings plan BUT at the same time they have a personal<br />
bank overdraft. What they are doing is not investing or saving because as far as I<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 18
Maybe the best way for me to<br />
describe it is that if a picture is worth<br />
a 1000 words, then your lecturing is<br />
worth at least a 1000 pictures”<br />
………Hannes, thank you so far for<br />
what you have given me. Amongst<br />
other things, you have taught me<br />
how to start implementing my vision.<br />
It is true that it is more important to<br />
give than to receive. You have also<br />
made me think of what I am giving to<br />
other people. This is an area in my<br />
life that I need to work on, but I have<br />
started with this journey, and I am<br />
enjoying it everyday of my life.<br />
Entrepreneur<br />
am concerned they do not have a surplus to<br />
begin with. <strong>The</strong>y live in a fool’s paradise. It is<br />
like borrowing from Peter to pay Paul.<br />
You cannot begin to invest unless you<br />
have a surplus.<br />
In order to become a <strong>Wealth</strong> Creator you must<br />
have a surplus to begin the process of <strong>Wealth</strong><br />
<strong>Creation</strong>. <strong>The</strong>re are two ways to create a<br />
surplus. One is to learn how to become an<br />
entrepreneur.<br />
Two ways to create a surplus<br />
"<strong>The</strong>re are only two options regarding<br />
commitment; you're either in or you're out.<br />
<strong>The</strong>re's no such thing as life in-between."<br />
Pat Riley<br />
Become an entrepreneur – that is someone who has the ability to take an<br />
intangible such as an idea and turn that into money, or<br />
Investor<br />
Become an investor. <strong>The</strong> only way to become an investor is to learn what an<br />
investor is.<br />
An investor does not need to be an entrepreneur. To become an investor you<br />
only need to have a surplus. In other words anyone can become a <strong>Wealth</strong><br />
Creator. As long as your income is greater than your living expenses you can<br />
become a <strong>Wealth</strong> Creator.<br />
By becoming a <strong>Wealth</strong> Creator you will be able to apply one or even both of<br />
these methods to live a life of abundance.<br />
<strong>The</strong> reason I teach people to become entrepreneurs is because there are ways<br />
to increase your surplus without taking the risk of losing your money. <strong>The</strong> more<br />
surplus money you have the easier it will be to start the process. But as you may<br />
have realised by now, the amount is not the criteria. All you need is a surplus in<br />
order to initiate the process.<br />
Another reason why the people do not believe that money can work for them is<br />
because they do not understand how to do it. Most people will hand over their<br />
money to financial institutions with the idea that the financial institution can grow<br />
their investment.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 19
If they do that - how on earth can they expect their money to work for them? <strong>The</strong><br />
institutions have total control over the money. <strong>The</strong>y let your money work for<br />
them. How can you say your money is working for you if it is not under your<br />
control?<br />
If perhaps you did not grasp what I have just said then I urge you to go back to<br />
the previous section and reread it until you understand what happens with<br />
investment money. <strong>The</strong> moment you hand your money over to any financial<br />
institution your money cannot work for you any more. Money is the slave of only<br />
one master. Money works for the person who is in control.<br />
Once you have a surplus you can start on your road to financial success. <strong>For</strong> the<br />
next step you need a simple system you can follow to invest in assets with the<br />
potential to work for you. <strong>The</strong> harder these assets work the wealthier you will<br />
become.<br />
In order to become super rich you must learn how to TURBO BOOST your<br />
surplus. You cannot turbo boost your surplus unless you can manage the risk<br />
and growth on your investment. In other words you must take full responsibility<br />
for your investment.<br />
By taking small steps in the right direction you will be amazed at the incredible<br />
difference it can make to the amount of wealth that you accumulate in your<br />
lifetime. At the same time you will experience the benefits in the life of your<br />
family.<br />
You will truly experience what it means when I say that money is your slave. It<br />
can make life a lot more enjoyable.<br />
Free your mind, and your imagination – and enjoy feeling what it would be like to<br />
have a million rand! That’s right R1, 000,000 - 40 weeks from now - starting with<br />
only 79 cents.<br />
<strong>The</strong> question then remains. How is it possible to invest 79 cents and turn<br />
that into R1 000 000, 00 in less than 40 weeks?<br />
"<strong>The</strong>re are no great people in this world, only great challenges which ordinary<br />
people rise to meet.<br />
William Frederick Halsey, Jr.<br />
Let’s Begin<br />
"It sometimes seems that intense desire creates not only its own opportunities, but<br />
its own talents."<br />
Eric Hoofer<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong> is based on four pillars<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 20
• <strong>The</strong> Eight Universal Laws.<br />
• <strong>The</strong> <strong><strong>For</strong>mula</strong> for Riches<br />
• <strong>The</strong> Mercedes Principle<br />
• <strong>The</strong> Accelerator Principle<br />
By applying the different strategies in relation to one another in a proven system<br />
everyone can become successful. In order to manage it you need to know that<br />
there are only three elements you can manage. Those are:<br />
• Yourself – talents, gifts, skills and opportunities<br />
• Your time and<br />
• Your money<br />
People differ and therefore reach different outcomes even if they apply the same<br />
system. <strong>The</strong> main difference is the individual talents and gifts you have received<br />
from God. By developing your gifts and talents and applying them to the <strong>Amazing</strong><br />
<strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong> you keep your individuality.<br />
Thank you for the opportunity that<br />
you have given to all your students.<br />
I am an accountant and a certified<br />
financial Planner. I attended a<br />
workshop at Monte casino after<br />
seeing your advertisement in the<br />
Sunday Times. Once I started<br />
seeing your presentation of IRR and<br />
other, I knew instantly that my<br />
search for sound investment with<br />
minimal risk was over. In my<br />
accounting and CFP studies I have<br />
always known about IRR,<br />
compound interest and all the other<br />
wonderful financial terms. My<br />
problem had always been HOW to<br />
invest using IRR, eliminating the risk<br />
and extending the asset base.<br />
After attending the workshop I took<br />
1 week off to reflect on how this new<br />
knowledge should change my life<br />
<strong>The</strong> First Pillar – <strong>The</strong> Eight Laws<br />
"In the confrontation between the stream and<br />
the rock, the stream always wins... not through<br />
strength, but through persistence."<br />
<strong>The</strong> Eight Laws of a Successful<br />
Entrepreneur are about educating and<br />
improving yourself. Unless you know and<br />
apply these laws your chances of becoming<br />
successful in life are very slim.<br />
Before you can become a <strong>Wealth</strong> Creator you<br />
must want to be one. Unless you want to<br />
change, these laws will have no impact on<br />
you. Once you have made up your mind the<br />
journey can begin. And it always begins with<br />
you, with your mindset, your attitude, your<br />
emotions. It is about how you manage<br />
yourself, your time and your money.<br />
<strong>The</strong> problem with not having a system is that<br />
your money, time and attitudes will be<br />
managing you. <strong>The</strong> moment that something<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 21
or someone else is managing you – you will never be able to live a life of<br />
abundance and happiness. You will never reach your destiny because you are<br />
not in control and you cannot manage the process.<br />
I share all my knowledge and experience of the past 24 years with my students.<br />
You could say I’m teaching them their PhD in life which will not take a lifetime.<br />
People in general are uninformed when it comes to financial planning, mainly<br />
because they were trained to think that it is very difficult. Financial planning is<br />
easy if you do it the right way, and incomprehensible if you do it the “expert” way.<br />
<strong>The</strong> reason the experts keep it as difficult as possible is because it’s the only way<br />
they can keep financial control over us. We then have no control over our<br />
financial destiny.<br />
<strong>The</strong> First Law states that we must first invest in ourselves before we invest<br />
a cent in any investment.<br />
Most people do not grasp this basic law. <strong>The</strong>y think they can use an expert to<br />
help them. <strong>The</strong> problem with this is the fact that when it comes to your money<br />
there is no one more qualified to look after it than you yourself. It is your money<br />
and you need to take full responsibility.<br />
<strong>The</strong> moment you hand your money over to an ‘expert’ what are you doing? You<br />
abandon the <strong><strong>For</strong>mula</strong> for Riches.<br />
<strong>The</strong> <strong><strong>For</strong>mula</strong> for Riches says that if you have a surplus you must be able to<br />
calculate the risk and the growth on your investment in order to manage both<br />
these variables. But, if you hand over your investment (surplus) you immediately<br />
keep all the risk. Add to that the fact that you can do nothing to decrease the risk<br />
or increase the growth, and you will understand why most people stay poor.<br />
Let me take it one step further. Most people are confused when they hear the<br />
word investment. <strong>The</strong>y think that if they invest money with a financial institution<br />
they become investors. This is simply not true. What you are doing is you are<br />
saving your investment through the financial institution.<br />
To become an investor requires you to actively manage and control your<br />
investment. <strong>The</strong> only way to do that is to minimize the risk and at the same time<br />
to increase the growth. This is directly opposite to what we were taught by the<br />
educational system and in our professions.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 22
My husband did the Property<br />
Investment course in Oct 2004. He<br />
walked out of there saying we must<br />
invest in ourselves. ….I cannot place<br />
value on this information we receive<br />
weekly.<br />
It has given us insight into who we<br />
are and how unproductive we have<br />
managed our time and money.<br />
……………..Joining the mentoring<br />
course was the best investment we<br />
could have made and it is really a life<br />
changing experience for us. We find<br />
by setting goals , helps us to cope<br />
with our current job stress , as we<br />
know that we have a plan in place<br />
and what direction we are moving.<br />
Thanks Hannes for teaching us and<br />
equipping us with this knowledge,<br />
just think how fortunate our children<br />
are, to be part of this process from<br />
such a young age.<br />
My application of the first law.<br />
"If you are not generous with a meager income, you will never be generous with<br />
abundance."<br />
Harold Nye<br />
<strong>The</strong> only reason I could accept this <strong>Wealth</strong><br />
<strong>Creation</strong> Challenge was that I know the<br />
<strong>Amazing</strong> <strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong> <strong>Creation</strong>. I<br />
have seriously invested in myself and my<br />
“financial education” during the last twentythree<br />
years.<br />
In this specific investment I had two risks.<br />
<strong>The</strong> first was the risk of losing my<br />
investment which was 79 cents. <strong>The</strong> other<br />
risk was R100. In other words the<br />
maximum I could have lost if it didn’t work<br />
out was R100.<br />
But here is another interesting fact. <strong>The</strong><br />
moment I can calculate the risk and know<br />
how to manage it, RISK DISSAPEARS. In<br />
other words because of the first law “invest<br />
in yourself,” I can eliminate the major risks<br />
that life can throw at me. If however I do<br />
not know how to manage risk, the risk will<br />
manage me. This is a very important<br />
reason why people stay poor.<br />
<strong>The</strong> most difficult thing to do in the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong> <strong>Creation</strong> is to<br />
invest in yourself. It takes time and effort. <strong>The</strong>re are no short cuts. <strong>The</strong>se facts<br />
also show in the formula for riches. Time and effort is part of the formula.<br />
It gets more complicated because by now, you know that the “financial<br />
institutions” ways will not work. Ignorance will keep you poor. If you do not want<br />
to invest in yourself and learn how to do it, you will ask advice from an “expert”.<br />
Who teaches the experts? Can it be the financial institutions? What do they teach<br />
the experts? How to sell their products??? Is this not a recipe for disaster?<br />
Let us take a quick look at the training system. <strong>The</strong> world’s economy is based on<br />
an outdated and false system that is based on a SCARCITY MENTALITY, yet<br />
this is what most people believe. What am I talking about? Let me explain what<br />
the scarcity theory is and where it originated.<br />
According to theory that there are limited recourses and it has it's origin with<br />
Tomas Malthus, an English economist in the early 1800s.<br />
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Page 23
"He believed that natural rates of human reproduction, when unchecked,<br />
would lead to geometric increases in population: population would grow in<br />
a ratio of 2, 4, 8, 16, 32, 64 and so on.<br />
However, he believed that food production increased only in arithmetic<br />
progression: 2, 4, 6, 8, and 10. It seemed obvious to him that something<br />
had to keep the population in check to prevent wholesale starvation.<br />
He said that there were two general kinds of checks that limited population<br />
growth: preventative checks and positive checks.<br />
Preventative checks reduced the birth rate;<br />
Positive checks increased the death rate.<br />
Moral restraint, vice and birth control were the primary preventative<br />
checks. Moral restraint was the means by which the higher ranks of<br />
humans limited their family size in order not to dissipate their wealth<br />
among larger numbers of heirs.<br />
My wife and two sons now get to see<br />
a lot more of me because I have put<br />
some of your lifestyle suggestions in<br />
place……………….Hannes, I thank<br />
you greatly for making yourself<br />
available to help people like myself,<br />
and the many others who have<br />
invested in themselves by being part<br />
of the mentorship program.<br />
My Friday’s are not the same<br />
anymore as I wait in anticipation for<br />
the update.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
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<strong>For</strong> the lower ranks of humans (the<br />
POOR as we know them), vice and<br />
birth control were the means by which<br />
their numbers could be limited - but<br />
Malthus believed that these were<br />
insufficient to limit the vast numbers of<br />
the poor.<br />
<strong>The</strong> positive checks were famine,<br />
misery, plague and war; because<br />
preventative checks had not limited<br />
the numbers of the poor, Malthus<br />
thought that positive checks were<br />
essential to do that job.<br />
If positive checks were unsuccessful, then inevitably (he said), famine<br />
would be the resulting way of keeping the population down. Before<br />
starvation set in, Malthus advised that steps be taken to help the positive<br />
checks to do their work. He wrote:<br />
“It is an evident truth that, whatever may be the rate of increase in the<br />
means of subsistence, the increase in population must be limited by it, at<br />
least after the food has been divided into the smallest shares that will<br />
support life.<br />
All the children born, beyond what would be required to keep up the<br />
population to this level, must necessarily perish, unless room is made for<br />
them by the deaths of grown persons. ...<br />
To act consistently, therefore, we should facilitate, instead of foolishly and<br />
vainly endeavoring to impede, the operation of nature in producing this<br />
mortality, and if we dread the too frequent visitation of the horrid form of<br />
famine, we should sedulously encourage the other forms of destruction,<br />
which we compel nature to use.
…………….. At the free seminar I<br />
was instantly impressed with your<br />
confidence and passion, no<br />
nonsense attitude, the discretion<br />
towards negativity, your oratory skills<br />
and especially your concept of<br />
richness – the life of abundance in a<br />
balanced spectrum, not purely<br />
financially ….Your courses and<br />
mentoring have had definite<br />
changing effects on my life and our<br />
family dynamics – I haven’t made<br />
millions yet, but I am surely building<br />
a basis to live a life of abundances –<br />
abundance in all aspects. Please<br />
keep up the great work!<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
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Instead of recommending cleanliness<br />
to the poor, we should encourage<br />
contrary habits. In our towns we<br />
should make the streets narrower,<br />
crowd more people into the houses,<br />
and court the return of the plague. In<br />
the country we should build our<br />
villages near stagnant pools, and<br />
particularly encourage settlements in<br />
all marshy and unwholesome<br />
situations.<br />
But above all, we should reprobate<br />
specific remedies for ravaging<br />
diseases: and those benevolent, but<br />
much mistaken men, who have<br />
thought they were doing a service to<br />
mankind by projecting schemes for the total extirpation of particular<br />
disorders. If by these and similar means the annual mortality were<br />
increased ... we might probably every one of us marry at the age of<br />
puberty and yet few be absolutely starved.”<br />
In Malthus' opinion, the masses were incapable of exercising moral restraint,<br />
which would have been the only real remedy for the population problem.<br />
“<strong>The</strong>y (the poor) were therefore doomed to live always at bare subsistence<br />
level. If all income and wealth were distributed among them, it would be<br />
totally wasted within one generation because of profligate behavior and<br />
population growth, and they would be as poor and destitute as ever.<br />
Paternalistic attempts to help the poor were therefore highly likely to fail.<br />
Also, they were a positive evil because they drained wealth and income<br />
from the higher (and therefore more moral) ranks of society (<strong>The</strong> rich).<br />
<strong>The</strong>se people were responsible - either in person or through patronage - for all<br />
the great achievements of society: art, music, philosophy, literature and so on<br />
owed their existence to the good taste and generosity of these people. Taking<br />
money from them to help the poor would deprive the world of culture.<br />
Malthus studied the quantities of natural resources and then compared them to<br />
the world population. Based on this limited information he concluded that there<br />
were too many people for the limited resources.”<br />
He then defined economics as the allocation of scarce resources.<br />
Today most of the western world still accepts this concept as the truth<br />
even if it is an outdated module.<br />
Can you see where all of these sayings and belief systems have their origin?<br />
Now why do people not query this limited resources belief. One reason is that we<br />
have been trained to believe the “experts” - the professors and doctors and<br />
chartered accountants and financial planners who advise us, and are considered
y most people as “experts” We were trained to never question the right or<br />
wrong, we just accept it as the truth.<br />
We do not know how to ask the right questions.<br />
"Before everything else, getting ready is the secret of success."<br />
Henry <strong>For</strong>d<br />
Add to this the fact that we do not know how to ask the right questions and you<br />
will quickly understand why we have to invest so much time and effort in<br />
educating ourselves. We must break this limited belief system first before we can<br />
begin to really learn about the economy, money and finances.<br />
……………….With your Mentor<br />
Course, I could define my “end<br />
destination” the one thing that make<br />
all my goal settings, a reality. I could<br />
determine my motivation, the drive<br />
for my goals. <strong>The</strong> vehicle to reach my<br />
end destination will follow, as I get<br />
more matured in the way of thinking<br />
as an entrepreneur<br />
Unless we take action nothing will happen.<br />
Why then do the majority of people not take<br />
action?<br />
I think one of the main reasons is that they<br />
do not know how to ask the right questions.<br />
<strong>The</strong>y have never been taught how to ask the<br />
right questions.<br />
Another reason is the limited beliefs people<br />
have. We all know where these ridiculous<br />
ideas originates: “<strong>The</strong>re is not enough” or<br />
“money does not grow on trees” or “It is difficult to make money”<br />
At the same time our belief systems flourish on inaccurate information like: “If you<br />
really love me – you would do ……” or “No one cares about my needs” and so<br />
forth.<br />
People are sometimes so afraid to make mistakes or to be rejected. <strong>The</strong>y are<br />
afraid that they will look stupid. <strong>The</strong>y will never admit that they do not know<br />
something and therefore they will not ask questions.<br />
I have seen in my workshops that professionals will keep a low profile and will<br />
not ask questions in front of the class – they are afraid to appear ignorant. But<br />
unless we ask the right questions how can we learn?<br />
Another reason why people don’t ask questions is a result a low self esteem.<br />
<strong>The</strong> last reason why we don’t pose questions is pride. We don’t want anybody to<br />
think we don’t have all the answers. Truth is we do not have all the answers. We<br />
never stop learning and we cannot learn unless we ask questions.<br />
In other words we need to put some serious effort into “re-educating” ourselves,<br />
to negate our limited belief systems and achieve our full potential.<br />
In order to help you I want to reveal a couple of traits of successful people.<br />
• <strong>The</strong>y invest in themselves diligently.<br />
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Page 26
• <strong>The</strong>y are persistent.<br />
• <strong>The</strong>y believe in themselves.<br />
• <strong>The</strong>y are willing to start small.<br />
• <strong>The</strong>y are willing to do something.<br />
Be careful of wanting to know and plan for everything in the smallest detail before<br />
you start. Do I have a surprise for you? You will never begin if this is your<br />
attitude.<br />
<strong>The</strong> story I submit today is actually a<br />
tribute to you as I can never in<br />
monetary terms repay you and even<br />
if I could I do not think that this will<br />
have an effect on you at all, however<br />
I think you deserve to know how<br />
your unselfish act of sharing your<br />
success, you <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong><br />
<strong>Creation</strong>, and the path you walk daily<br />
with us, affects other peoples lives.<br />
………………….<strong>The</strong>re are so many<br />
aspects of your teachings that I can<br />
relate to, and I love the logic of it all.<br />
<strong>The</strong> one thing that made me jump for<br />
joy and change my life forever is<br />
PASSIVE INCOME! Wow!! I never<br />
new it can be so simple … Passive<br />
Income gave me a new lease on<br />
life…….. Thank you for giving us<br />
hope … God bless!<br />
In real life we learn as we do. When I started<br />
this challenge 40 weeks ago I had no idea<br />
what and how I would do it. I JUST DID IT.<br />
Or as the Nike slogan says “Just Do It”.<br />
Another false doctrine – or is it?<br />
"Don't be afraid to give your best to what<br />
seemingly are small jobs. Every time you<br />
conquer one it makes you that much stronger.<br />
If you do the little jobs well, the big ones tend<br />
to take care of themselves."<br />
Dale Carnegie<br />
<strong>The</strong> educational system teaches us that<br />
people are the most valuable assets and<br />
investments of any organization. And<br />
perhaps that is true for the corporate world<br />
but from an entrepreneur's point of view I am<br />
not so sure about this statement. Why do I<br />
say this?<br />
As an entrepreneur I have spent many hours and much effort training people to<br />
become extraordinary. BUT as soon as they have learned the necessary skills<br />
what do they do? – <strong>The</strong>y become demanding – and this can cost money, time<br />
and resources. Many times someone else (organizations – head hunters) will<br />
offer them a better “deal” and your investment is gone. In other words people are<br />
not always an asset.<br />
I have also experienced from a professional point of view that you can train<br />
people, share trade secrets and as soon as they start to become successful, they<br />
go on their own. Again your investment is down the drain.<br />
So in this challenge I decided to concentrate my time and efforts on building<br />
strong business and investment systems. Why did I do it?<br />
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Page 27
Because through systems an ordinary person can become an extraordinary<br />
person. An average salesman can become a super salesman and a good<br />
company can become a great company.<br />
We live in a fast changing world<br />
where outdated formulas simply do<br />
not work any more. Hannes, you and<br />
your team augments technology and<br />
take us to places we did not even<br />
know exist – without joining you in<br />
the helicopter! You possess a rare<br />
talent of discovering and sharing<br />
invigorating ideas in a simple,<br />
understandable way. Thank you for<br />
sharing it with us!<br />
I have learnt that one extraordinary person is<br />
worth a lot more than 1000 mediocre people.<br />
I know that software programs (SYSTEMS)<br />
are the solution to people problems. But I<br />
have also experienced that there are two<br />
systems. <strong>The</strong> normal system – and normal<br />
does not work for a great business - and<br />
intelligent systems.<br />
If you can develop an intelligent system you<br />
can train ordinary people how to use the<br />
system. Here is the catch – an intelligent<br />
system in the hand of an ordinary person will always produce intelligent - and<br />
therefore extraordinary results. Why is this so important?<br />
Because all you have to do is train a person how to operate an intelligent system<br />
the moment you have one, you have a business. In order to grow the business<br />
you expand the system or duplicate the system. You can literally explode your<br />
business into a phenomenal business and become financially free in a very short<br />
period of time.<br />
Most entrepreneurs build a business around themselves. <strong>The</strong> business depends<br />
on them. If they are not there the business will not survive. <strong>The</strong>se entrepreneurs<br />
are snowed under with work. <strong>The</strong> workload totally consumes them and the<br />
business RUNS THEIR LIFE. <strong>The</strong>y do not run their business – the business runs<br />
them. <strong>The</strong>se entrepreneurs are not free. <strong>The</strong>y are the slaves of their business.<br />
To make things worse if you are an ordinary entrepreneur there is a business<br />
factor that will always work against you to keep you a slave. I call it the CEILING<br />
OF COMPLEXITY. What do I mean by this?<br />
My experience is that entrepreneurs are normally excellent at what they do. <strong>The</strong>y<br />
are focused and because they are good at what they do they excel. BUT they<br />
can only do so much. <strong>The</strong>re are only so many hours in the day. Once you have<br />
reached that point you have reached the ceiling of performance.<br />
<strong>The</strong>re are different ways to increase your ceiling of performance but eventually<br />
you will reach an optimum point. You cannot perform any better no matter how<br />
hard you try. <strong>The</strong> only way to break this ceiling is to increase your fee or to<br />
appoint more people in order to help you.<br />
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Page 28
By appointing more people you can overcome the problem of performance, but<br />
you can create a new problem. If you do not make provision for it you will run<br />
into the ceiling of complexity.<br />
We create our own problems. <strong>The</strong> ceiling of complexity is no exception. How<br />
does it happen? In a nutshell like this:<br />
You appoint people. Over a period of time your focus shifts and before you know<br />
it you are a manager – and you invest your time, effort and money in managing<br />
people. One day you wake up and find you are appointing people to manage<br />
people and then you appoint more people to manage the managers.<br />
This is a natural transformation in a business but also a dangerous time, as it is<br />
normally at this stage that you come up against the ceiling of complexity. Now<br />
here is another truth. If you experience this you will know for sure that the<br />
business is now running you. You are no longer running the business.<br />
Ask yourself: “Does it feel as if you are the only one who really cares about the<br />
business and that the people working for you are doing less than you expect of<br />
them?”<br />
If your answer to that question is “yes” then warning lights should go on.<br />
How can entrepreneurs avoid this problem? You need to create a life, a business<br />
AND investments that work for you.<br />
<strong>The</strong> only way you can create a life that works is if you escape from doing the<br />
routine work that is keeping you from experiencing the abundance of life. You<br />
must build intelligent systems to eliminate the “routine and keep busy” stuff in<br />
your business. You escape that by creating an intelligent system that takes care<br />
of the tyranny of routine and gives the freedom that effectively saves you from<br />
having to manage the drudgery.<br />
Everything runs on a system. Life is a system. <strong>The</strong> universe is a system. An atom<br />
is a system. Our body is a system. <strong>The</strong> relationship we’re having right here is a<br />
system<br />
I run all my ventures on systems. Because the systems work I am “free.” But at<br />
the same time I know what is going on in any of my businesses on a daily basis<br />
I am lucky that I have the best partners when it comes to building intelligent<br />
systems. I am happy with what we have achieved so far in the 40 weeks. I know<br />
that we can do a lot better – and I am glad to say that I see that everyone on the<br />
team is doing more than is expected of them to make the <strong>Wealth</strong> <strong>Creation</strong><br />
Mentoring Course the best mentoring course in the world.<br />
My software team is extraordinary, and some of the “behind the scenes” engines<br />
they have developed are the most sophisticated engines available. Not only is<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 29
the Mentoring process unique but we have also developed some very unique<br />
systems during the last 40 weeks.<br />
I sat there, speechless, listening<br />
to Joe’s life’s story. (I must admit,<br />
I wasn’t geared emotionally for<br />
this experience.) I really felt sorry<br />
for Joe and was touched by his<br />
story. <strong>The</strong>n out of the blue I<br />
remembered one of the first<br />
things Hannes taught me. Never<br />
get emotionally involved.<br />
By then I knew that I wouldn’t be<br />
able to help Joe to get out of his<br />
predicament. On paper it looked<br />
like a great deal but in reality the<br />
SUM did not work.<br />
From the conversation we had it<br />
was evident that Joe was in the<br />
dark as to what is really busy<br />
happening to him. To the best of<br />
my ability and with the help of my<br />
brother Deon, we explained the<br />
process to him. This in itself was<br />
a good experience as we could<br />
see that Joe was feeling better<br />
knowing what’s going on.<br />
will not become able to do what I am doing.<br />
Because of one of the systems we<br />
developed to overcome a problem a new<br />
opportunity presented itself. You will<br />
experience this for yourself if you subscribe<br />
to the referral website. By subscribing to the<br />
referral website you will have started a<br />
journey on one of the most fascinating<br />
marketing strategies in the world, if you want<br />
to become a wealth creator.<br />
Will you believe me if I make the statement<br />
that you are actually earning an income just<br />
because you are reading this e-book?<br />
Did I get your attention? I will explain<br />
everything in the chapter two of this e-book.<br />
Back to the challenge.<br />
In the <strong>Wealth</strong> <strong>Creation</strong> Mentoring Course I<br />
teach my students many new truths and<br />
prove that the educational system is used to<br />
keep us poor. Unless you take full<br />
responsibility for your personal NEW<br />
education and expend the time and effort to<br />
absorb this new information over time, you<br />
Here are some the strategies I have used in the Challenge that you will acquaint<br />
yourself with in the <strong>Wealth</strong> <strong>Creation</strong> Mentoring Course<br />
On top of that you will have to learn how to set and achieve your goals with the<br />
Dynamic Goal Setting System<br />
You will learn how to use Personal Motivation to take you to the next level.<br />
Get more done in less time and learn how to manage your time and money so<br />
you have all the time in the world to truly enjoy your wealth. <strong>The</strong>re is no sense in<br />
making a lot of money if you cannot enjoy it. That is why we are <strong>Wealth</strong> Creators:<br />
to enjoy the things money can buy.<br />
Most people do not know what personal money management is. Instead of<br />
managing their money, their money manages – and most of the time cripples –<br />
them.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 30
You will also learn how to use different financial entities including Close<br />
Corporations, Private Companies and Trusts.<br />
<strong>The</strong> only way to safeguard you and your assets is by using trusts. As even<br />
experts - Chartered Accountants, Attorneys, Financial Planners and the like -<br />
clearly do not really understand the application and benefits of trusts and how to<br />
use them to create wealth I include a course on trusts, tax loopholes of the rich<br />
and estate planning as well.<br />
As a <strong>Wealth</strong> Creator you are a person who has the ability to allow your money to<br />
work for you – instead of working for your money. In order to create, preserve<br />
and transfer your wealth, the only entity that can give you the protection that is<br />
needed, is a trust.<br />
Unfortunately with a TRUST - as with so many other things in life – you must<br />
know HOW it works; otherwise you can burn your fingers.<br />
I will share the techniques I used as an insurance salesman and broker that<br />
helped me to be in the Top Of <strong>The</strong> Table in the world – a level only 0.1% of all<br />
insurance salesmen and brokers in the world achieve. accolade)<br />
I will also share my marketing secrets on how to use the internet and media. I will<br />
show you how I created an ad in less than 30 minutes that has made me more<br />
than R15 million.<br />
<strong>The</strong>se are a few of the strategies you will learn during the course that has helped<br />
me to achieve the results I have in the <strong>Wealth</strong> Challenge<br />
What about the future – Can I predict it?<br />
"You can have everything you want if you help others get what they want"<br />
Zig Ziglar.<br />
I cannot predict the future. I believe no one can - but I also believe that God has<br />
given us a wonderful gift – the ability to make decisions. We are free moral<br />
agents. We can choose.<br />
If we choose the right actions and have the right system to guide us we can<br />
make life a lot easier. If we want to become <strong>Wealth</strong> Creators the same truth will<br />
apply. We must make the decision and then start the process of becoming<br />
<strong>Wealth</strong> Creators ourselves.<br />
As I follow a proven system I want to tell you what I am planning to do next in the<br />
<strong>Wealth</strong> <strong>Creation</strong> Challenge.<br />
Last month my PASSIVE monthly income was just more than R112 000. Not bad<br />
if you take into account I started only 40 weeks ago with 79 cents. But in order for<br />
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Page 31
me to reach my goal the next step will be to at least double my income per month<br />
over the next four months.<br />
In week 40 I identified the next business opportunity. I am teaching my students<br />
HOW to evaluate a business. I believe that I will double my Passive Income by<br />
following the <strong>Amazing</strong> <strong>Wealth</strong> <strong>Creation</strong> <strong><strong>For</strong>mula</strong> within the next 20 weeks.<br />
Why don’t you follow my progress over the next 20 weeks to see what will<br />
happen?<br />
As I have said, if you are willing to take the responsibility and spend the time and<br />
effort to understand the eight laws you are on your way to becoming a <strong>Wealth</strong><br />
Creator, provided you know and understand the second pillar of the <strong>Amazing</strong><br />
<strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong> <strong>Creation</strong> and that is:<br />
<strong>The</strong> Second Pillar – <strong>The</strong> <strong><strong>For</strong>mula</strong> <strong>For</strong> Riches<br />
"Be such a man, and live such a life, that if every man were such as you, and every<br />
life a life like yours, this earth would be God's Paradise."<br />
Phillips Brooks<br />
Unless you can apply this formula in any investment or business neither will ever give<br />
you the return and results that you want. Unfortunately I had to discover this formula the<br />
hard way.<br />
Where:<br />
$ = Want to become wealthy and stay wealthy<br />
S = Surplus<br />
G = Growth on your surplus<br />
Ri = Risk involved in the investment or business<br />
Re = Responsibility to manage the growth and risk<br />
nm = Time and personal effort<br />
Interpretation of the <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
"If you want to succeed, you must make your own opportunities as you go."<br />
John B. Gough<br />
$ = Want to become wealthy and stay wealthy.<br />
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Page 32
"This nation was built by men who took risks; pioneers who were not afraid of the<br />
wilderness, business men who were not afraid of failure, scientists who were not<br />
afraid of the truth, thinkers who were not afraid of progress, dreamers who were not<br />
afraid of action."<br />
Brooks Atkinson<br />
<strong>The</strong> greatest gift that we have received is the ability to take a decision. Unless<br />
you make up your mind that you want to do something, nothing will happen. It<br />
begins with an idea. And only if you decide to become happy, successful or rich<br />
nothing will happen.<br />
<strong>The</strong> same applies to becoming and staying wealthy. Unless you decide to<br />
become wealthy you will not. But a decision alone will not help you achieve your<br />
goal. You must act. You must do.<br />
It is the same with <strong>Wealth</strong> <strong>Creation</strong>.<br />
Most people have no plan or strategy or a way to reach their goals. <strong>The</strong> reason<br />
why I developed the formula for wealth creation is to give you a guideline to help<br />
you achieve this specific goal. <strong>The</strong>re is a proviso, however: I cannot help you<br />
unless you want to become wealthy.<br />
If this want or need is strong enough you will do the impossible. <strong>For</strong> most people<br />
it is impossible to become wealthy. This is backed by statistics. So what you as a<br />
wealth creator want to achieve will be impossible for the majority of people.<br />
Once you have made up your mind to become wealthy, you can continue. <strong>The</strong><br />
only way to become wealthy is to follow the formula and to act. Without action an<br />
idea will stay only that. In the <strong>Wealth</strong> <strong>Creation</strong> Mentor Course you will learn<br />
how to make your wealth creation ideas fly.<br />
S = Surplus<br />
"We are what we repeatedly do. Excellence, then, is not an act, but a habit."<br />
Aristotle<br />
What is a surplus?<br />
It is excess money you have left over after you have paid your living expenses. It<br />
is money that can help you build your wealth.<br />
<strong>The</strong>re are two kinds of surpluses:<br />
Income: If your income is more than your expenses the difference<br />
between the income and expense is an income surplus.<br />
Capital: Normally when you do not need the surplus income it will become<br />
a capital surplus. In order to become capital the income must vest in your<br />
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Page 33
name or in the name of the financial entity in which you plan to utilize it as<br />
a surplus.<br />
Before the income can vest as capital all taxes must be paid. <strong>The</strong>re are different<br />
forms of taxes and the tax laws of the different countries will dictate how much of<br />
your income or capital will become or stay capital. After all applicable taxes have<br />
been paid on the surplus income the remainder becomes capital. By using the<br />
appropriate financial structures and entities it is possible to create more<br />
surpluses.<br />
<strong>The</strong> right tax plan (international tax planning) makes it possible to create a bigger<br />
surplus even if your income and living expenses stays unchanged because you<br />
are paying less tax on your total income.<br />
We can therefore also say that a surplus has two faces, the first being income<br />
and the second capital.<br />
<strong>The</strong> formula does not state what the nature of the income must be. It can be<br />
either capital or income or even a combination of the two.<br />
<strong>The</strong> formula also does not stipulate how much surplus you must have to launch<br />
your personal <strong>Wealth</strong> <strong>Creation</strong>. This contradicts popular belief that one must<br />
have money (surplus) to make money. This is not what the <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong><br />
<strong>Creation</strong> says as you will see this shortly.<br />
What is the function of the surplus?<br />
<strong>The</strong> fist and main reason you need a surplus is to offset the risk that you may<br />
have in any business or investment.<br />
<strong>The</strong> second is to determine the pace of growth. Usually in a business or<br />
investments if you grow too fast in relation to the surplus that you have available<br />
you will grow yourself or your business or investment into a position where<br />
changes in market conditions could cause you to lose everything you have built<br />
up or created.<br />
By managing the surplus against the growth and risk you will find the optimum<br />
pace at which you can grow your investment or venture. Each individual or<br />
financial entity has its own optimum growth rate. This growth rate will be<br />
governed by the availability of income and capital surplus.<br />
G = Growth on your surplus<br />
"All the flowers of all of the tomorrows are in the seeds of today."<br />
Chinese Proverb<br />
Unless you can measure how hard your money is working, it is impossible for<br />
you to know WHETHER it is really working for or even against you. Most people<br />
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Page 34
do not know whether their money is working for them because they do not know<br />
how to calculate growth on investment. Most investment is based on emotion.<br />
People base the choice to buy cars, houses, insurance policies and shares on<br />
emotion.<br />
<strong>For</strong> the past four years I have taught more than 6000 students how to invest in<br />
property. Before the onset of the course, less than one percent of all my students<br />
could point out a method to calculate the growth on a property investment and<br />
less than 5% of those who knew actually had a system to calculate the growth.<br />
This means that less than 0.05% of this group could calculate the growth on their<br />
property investment.<br />
<strong>The</strong> rest bought property based on emotion.<br />
How can you avoid investing on emotion? You must find a system or program to<br />
determine the growth of an investment or a business venture.<br />
Measuring growth on surplus (personal investment)<br />
This age will die not as a result of some evil, but from a lack of passion.<br />
Soren Kierkegaard<br />
In order to measure an investment growth in an endowment, retirement annuity,<br />
unit trust investment or any fixed contribution saving instrument, one uses the<br />
compound interest calculation (also known as future value).<br />
This is a formula which calculates the percentage return you will receive.<br />
<strong>The</strong> formula only works if there are these three variables:<br />
• the contributions (the money you pay in) are fixed;<br />
• the contributions are at regular intervals, and<br />
• the cash-flow (inputs – that is either capital and/or income) moves one<br />
way: into the account and nothing is taken out.<br />
So now I am paying them a<br />
`salary` every month to subsidise<br />
there pension and income. This<br />
has kick started me into<br />
organising my life, to make<br />
something of it, for me later to be<br />
able to retire.<br />
I have now joined the mentoring<br />
program and am looking forward<br />
to changing my life for the better,<br />
in a more positive way.<br />
So it assumes that you are going to pay<br />
R1000 into the policy every month for a fixed<br />
period – no irregular payments and no<br />
withdrawals. <strong>The</strong> compound interest is the<br />
difference between all the money you put in<br />
(over the entire period) and the final lump<br />
sum that you get paid out, in other words,<br />
you put lots of little bits in, and you get one<br />
huge chunk out at the end.<br />
Problem with Compounded interest.<br />
When any of the three above-mentioned variables change, the compound<br />
interest rate calculation is inadequate. One has to use another mechanism.<br />
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Page 35
One way to do this is to use the Internal Rate of Return. (IRR).<br />
As much as we did know, what<br />
we learnt from you has been<br />
amazing, and our daughters can<br />
benefit from all of that!! Thank<br />
You!!<br />
Over and above all that we are<br />
truly focused on creating the life<br />
we believe we were meant to<br />
have – happy and fulfilled, and it<br />
is a truly uplifting thought to know<br />
that you can be happy, no matter<br />
what curveballs life may choose<br />
to throw.<br />
Internal Rate of Return. (IRR)<br />
"If you want to succeed in your Life, remember this phrase: <strong>The</strong> Past does not equal<br />
<strong>The</strong> Future. Because you failed yesterday; or all day today; or a moment ago; or for<br />
the last six months; the last 16 years; or the last fifty years of Life, doesn’t mean<br />
anything...All that matters is: What are you going to do, RIGHT NOW!!?"<br />
(Anthony Robbins)<br />
According to the help function in the Excel spreadsheet the “IRR is the returns for<br />
a series of cash flows represented by the numbers in values. <strong>The</strong>se cash flows<br />
do not have to be even, as they would be for an annuity. However, the cash flows<br />
must occur at regular intervals, such as monthly or annually.<br />
<strong>The</strong> internal rate of return is the interest rate received for an investment<br />
consisting of payments (negative values) and income (positive values) that occur<br />
at regular periods”.<br />
Modified Internal Rate of Return. (MIRR)<br />
“Returns the modified internal rate of return for a series of periodic cash flows.<br />
MIRR considers both the cost of the investment and the interest received on<br />
reinvestment of cash” according to the help function in the Excel spreadsheet.<br />
My Usage of the IRR Function<br />
I am using the IRR and not the MIRR. <strong>The</strong><br />
reason why I do this is because I want to<br />
compare the return (growth) of my<br />
investment in property to that of any other<br />
class of investment.<br />
Because retirement annuities, fixed deposits,<br />
unit trusts , pension funds, provident funds,<br />
endowment policies and others are<br />
calculated using the compound interest<br />
method, I am using the IRR method of<br />
calculating the growth on any property or any<br />
other class of investments.<br />
Both the compound interest method and IRR calculate the growth of your<br />
investment and therefore you can compare the two.<br />
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Page 36
Shortly afterwards, I saw an<br />
advertisement for the Hannes<br />
Dreyer property course, and after<br />
discovering that my new friend’s<br />
uncle had attended the course, I<br />
persuaded my new friend to join<br />
me in attending it.<br />
What an eye-opener – and a<br />
culmination of all the seeds<br />
planted throughout my journey<br />
thus far. I knew now what I<br />
wanted – to be financially free<br />
and have my own property<br />
portfolio.<br />
Best of all, I knew now too, how<br />
to achieve it. Spiritually, I had<br />
come to realize too, that we are<br />
not placed here for our own<br />
amusement, but for a purpose,<br />
and that God could use me and<br />
the finances I have and generate<br />
for His use.<br />
I joined the Mentor course when<br />
Hannes started it, and have<br />
hungrily been going through his<br />
weekly lessons. And of course,<br />
sharing my new-found ideas and<br />
enthusiasm with my new friend,<br />
who happens now to be my<br />
fiancée! God has been good to<br />
me, yet I know the best part still<br />
lies ahead…<br />
So thank you, Hannes, for<br />
helping me onto and guiding me<br />
down a path to a new mindset,<br />
new challenges and, ultimately,<br />
to financial freedom!<br />
• purchase price;<br />
• market value;<br />
• deposit;<br />
• assessment fees;<br />
• initiation fee;<br />
• house owner's comprehensive Insurance;<br />
• stamp duties;<br />
Property has at least twenty seven different<br />
variables with hundreds of thousands of<br />
permutations. <strong>The</strong> only logical way to<br />
calculate growth is to determine the IRR.<br />
This can’t be done in a property investment<br />
unless you have a system that will take into<br />
consideration all the different permutations<br />
relating to the specific property.<br />
Once you have determined the cash flow on<br />
a property it is possible to proceed to<br />
calculate the IRR. Because a property<br />
investment can consist of either income<br />
streams or capital growth or a combination of<br />
both, it becomes important to find a method<br />
that can include both criteria.<br />
Furthermore, some investors may wish to<br />
use their income as a pension and do not<br />
want to reinvest their income back into the<br />
property.<br />
Because the MIRR considers both the cost of<br />
the investment and the interest received on<br />
reinvestment of cash we cannot use this<br />
method to calculate the growth on property<br />
investments.<br />
With the IRR the assumption is made that if<br />
there is income (positive cash flow) that<br />
income will be taken into consideration<br />
without reinvesting it back in the investment.<br />
In property the IRR is directly influenced by<br />
the cash flow and equity in the property at a<br />
given moment (time intervals). In property<br />
the Cash flow (therefore the IRR) is mainly<br />
influenced by the:<br />
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Page 37
• transfer duties;<br />
• deed office levies;<br />
• rental income;<br />
• inflation linked or not;<br />
• vacancy rate;<br />
• projected capital growth rate;<br />
• projected inflation rate;<br />
• bond interest rate;<br />
• term of the bond;<br />
• interest only or interest and capital repayments;<br />
• property management fee;<br />
• monthly expenses such as rates and taxes;<br />
• special expenses;<br />
• repair and maintenance;<br />
• renovation costs;<br />
• tax rate; and<br />
• type of entity which owns the property (Personal, CC, Pty (Ltd), Trust).<br />
If any of the variables change, one cannot calculate the return by any means<br />
other than the IRR. It remains the same valid measurement, because it<br />
measures everything that you put in and everything you took out, while the<br />
compound rate assumes frequently in and once out.<br />
<strong>The</strong> IRR can be used on any venture and any investment, so it is probably a<br />
better way to determine the return of your investment in property than working<br />
out the compound return. Because of the way the Property Pro Program<br />
measures the IRR it incorporates tax and all other variables related to property,<br />
the ultimate result is very accurate.<br />
Why make it difficult when you can use a system?<br />
“<strong>The</strong> young do not know enough to be prudent, and therefore they attempt the<br />
impossible and achieve it, generation after generation.”<br />
Pearl S. Buck, <strong>The</strong> Goddess Abides, 1972.<br />
I am sure most of my students will agree that it is a lot easier using the Property<br />
Pro Program as a system to calculate the cash flow on a property investment<br />
over a period of time and then recalculate the answer to make provision for the<br />
IRR comparison rather than trying to figure out the mathematical way - especially<br />
since you have to do a series of calculations to arrive at an answer.<br />
To find out more about the Property Pro Program or the one day Property<br />
Investment Workshop visit www.propertyschool.co.za.<br />
Ri = Risk involved in the investment or business<br />
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Page 38
Yes, you can be a dreamer and a doer too, if you will remove one word from your<br />
vocabulary: impossible.<br />
Robert Schuller<br />
Unless you can measure or determine the risk in an investment or business it is<br />
best to avoid the investment until you can. This is because in investment risk is<br />
more important than growth.<br />
<strong>The</strong> mentoring course works and<br />
will be successful here and<br />
overseas because it comes at the<br />
right time, it helps us to overcome<br />
the crippling inertia, it gives us the<br />
tools to do the job for ourselves, it<br />
gives expertise and feedback and<br />
encouragement and hope. It does<br />
one more very important thing for<br />
me - IT FORCES ME TO MAKE<br />
TIME TO REALLY THINK AND<br />
THEN TO ACT!<br />
My story is remarkable for me<br />
because I was fortunate to find the<br />
right source for the knowledge I<br />
needed. I am one of those<br />
professional people who are too<br />
busy going to work to make money.<br />
Running an optometric practice<br />
requires a hands on approach<br />
leaving too little time for family,<br />
friends and other interests and I<br />
wanted more time.<br />
It is the risk in any investment that<br />
eventually kills it. Few people understand<br />
risk and very few know how to calculate<br />
risk. As long as the investor is ignorant<br />
someone is going to make money out of his<br />
ignorance.<br />
Most investment decisions are based on<br />
emotion as investors cannot calculate the<br />
risk or the growth of the investment. <strong>The</strong>y<br />
invest “because it feels right”.<br />
Not one of my more than 6000 students of<br />
the past four years knew how to invest in<br />
property because none could calculate the<br />
risk on a property investment.<br />
Some (especially the students with financial<br />
degrees) had fancy theories but could not<br />
calculate this risk. Why? Because there is<br />
no system available to do so.<br />
In the eighteen years I was a professional<br />
financial planner I never met anyone<br />
(including actuaries) that could determine and calculate the risk of any paper<br />
asset.<br />
<strong>The</strong> reason?<br />
Financial institutions would rather keep us ignorant when it comes to risk.<br />
With any paper asset class of investment the financial institutions take no risk.<br />
Do you realize when you sign any contract with a financial institution or give them<br />
a mandate to manage your portfolio, you sign a contract in which they state that<br />
they will manage your investment "risk free" from their point of view.<br />
In other words if the market turns against them and they pay you less money that<br />
you invested, you cannot hold them responsible for the loss.<br />
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Page 39
After attending your course, we<br />
discovered the mistake of my<br />
property, and we stopped the<br />
deal with the complex - we did<br />
the math! We would have ended<br />
up paying almost R4000 per<br />
month out of pockets ...you are a<br />
live saver!<br />
I am not taking short cuts.<br />
Every time I think of quitting I<br />
think about the success that is<br />
waiting for me on the other<br />
side. I am so positive about my<br />
life like never before. I look<br />
forward for each day when I am<br />
going to succeed physically (by<br />
loosing weight and have a lot of<br />
energy), emotionally (knowing<br />
that my family supports me all<br />
the way) and materially<br />
(<strong>Wealth</strong>y by your help). Thank<br />
God for finding a Mentor like<br />
you. Keep up the good work.<br />
Till recently the public believed they were<br />
“safe” if they invested their money in a bank's<br />
fixed deposit and that it was a risk free<br />
investment. Now after the fiasco with<br />
Saambou and BOE people realize those<br />
deemed "safe" investments were in fact as<br />
risky as any other as there is always a<br />
chance that you can loose your capital. You<br />
do realize no bank guarantees your<br />
investment?<br />
Only the intervention of the Reserve Bank and other financial institutions which<br />
could have lost billions of rands prevented investors in "safe" investments such<br />
as fixed deposits and even those with their money in call accounts from losing<br />
billions of rands.<br />
So people perceived as risk free an investment as risky as any other.<br />
WHY?<br />
<strong>The</strong> investor is the only one to lose as no financial institution takes any<br />
responsibility for his investment and always leaves the risk with him.<br />
Here we face a paradox. If we have a surplus to whom do we entrust it for<br />
growth? We give it to the financial institutions or have "experts" advise us to<br />
invest with the financial institutions for the best growth.<br />
Who then is responsible for the risk? Always the investor. If the investment does<br />
not perform the investor loses money, never the financial institution. Institutions<br />
make sure of their risk free status by contracts and mandates.<br />
To confuse the investor even more, he must<br />
subscribe and get license "clearance" from the<br />
Financial Service Board (here in South Africa)<br />
and other boards and government institutions<br />
overseas to invest. <strong>The</strong> institutions have<br />
different investment rules in place in order to<br />
safeguard your investment.<br />
This is all legal jargon to blind you from the<br />
truth. <strong>The</strong> truth is, if institutions stick to their<br />
rules and code of conduct and if they lose<br />
money, the loss is passed on to one person<br />
only: the investor.<br />
As a result we stay poor. <strong>The</strong> institutions are<br />
not asset managers, they make their money<br />
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Page 40
y deducting administration, management and other costs and fees from the<br />
investment to manage and to administrate it, but they never guarantee the<br />
allocation amount.<br />
Some financial institutions do offer a guaranteed minimum but the “guarantee” is<br />
based on the assumption that they will still be around if and when your money<br />
must be available (at the end of your contract with them)<br />
Note I do not accuse financial institutions of any wrongdoing. I think they have an<br />
important role to play to help the masses who do not want to accept the<br />
responsibility or do not want to put in the time and effort - to save and invest for<br />
their old age.<br />
If you refuse the responsibility, not put time and effort into becoming wealthy, and<br />
you are prepared to take the risk, then the financial institutions are the perfect<br />
place to save you money. As long as you realize it is not as "secure" as you may<br />
think.<br />
If you accept the responsibility to create wealth then you will know that you<br />
cannot separate the risk and growth on your surplus.<br />
One important factor is to determine risk in an investment or business. <strong>The</strong>re are<br />
different definitions of risk. In terms of wealth creation it can be described as the<br />
reality or possibility of losing capital or income or both. It is that easy.<br />
<strong>The</strong> next question is which is the most important - income or the capital? In most<br />
investment portfolios the capital determines the income. Thus the consensus will<br />
be that capital is the more important. If so then capital is more important than<br />
income in any paper class and therefore the risk is more severe if you loose<br />
capital. Let me give you a typical example<br />
If you have a fixed deposit of R120 000 and you invest it at 12% per year it will<br />
give you an income of R1200 per month. If you need that R1200 to cover living<br />
expenses then your income and your expenses are the same and you have no<br />
risk. Should you however lose 50% of the value of the capital; your income will<br />
decrease to R600.<br />
If however you base your financial wealth on a module where income is not<br />
dependent on capital then there is no risk (or<br />
Hannes, thank you for alleviating<br />
our fears and god bless you and<br />
yours for the exellent work you<br />
are doing.<br />
a very small chance) in losing capital. Your<br />
risk now becomes the risk of losing income.<br />
In other words risk will have different<br />
meanings for different people. To become<br />
financially independent your passive monthly<br />
income must cover your monthly expenses.<br />
Let’s take the following example.<br />
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Page 41
Let's say you have bought a property five years ago for R100 000 and it is worth<br />
R200 000 today. Your rental income at this stage is R1200 per month after costs.<br />
As in the previous example, you need the R1200 to cover your living expenses.<br />
If the property market tumbles and you lose 50% of capital value - the value of<br />
the property drops to R 100 000 - but you still receive a monthly income of R1200<br />
then the risk of loosing the capital is not so great as if your property is still worth<br />
R200 000 but your income from the property drops to R600. Should the latter<br />
happen you have a shortfall of R600 per month and you must now start using<br />
capital to maintain your standard of living.<br />
If however your capital growth per year is more than your income loss per year<br />
one could reason that you can temporarily subsidize the loss of income with the<br />
capital gains. You can therefore make the assumption that if your capital gain is<br />
more than your income loss, it is better to offset income in order to improve<br />
capital. This line of thought led to a new financial concept: negative income<br />
gearing.<br />
What is negative gearing?<br />
“If I can leave a single message with the younger generation, it is to lash yourself to<br />
the mast, like Ulysses if you must, to escape the siren calls of complacency and<br />
indifference.”<br />
Edward M. Kennedy, speech, June 4, 1978, in Henry Steele Commager, ed., Our Day and<br />
Generation, 1979.<br />
Negative gearing refers to the situation where you borrow money to buy an<br />
investment. <strong>The</strong> investment however does not create enough income to cover<br />
expenses (i.e. interest on the money you borrow and expenses involved in<br />
keeping your investment).<br />
<strong>The</strong> moment the income is less than the expenses there is a loss on the cash<br />
flow of the property. <strong>The</strong> nature of the risk changes because the nature of the<br />
investment changes.<br />
<strong>The</strong> biggest risk now becomes the repayments of the bond. If you do not have<br />
the cash flow you cannot repay the bond and the financial institution takes back<br />
the property.<br />
<strong>The</strong> financial institution as a business is not interested in risky investments and it<br />
will need to ascertain that you can repay your debt. As a general rule they will<br />
only allow you a repayment equal to or less than thirty percent of your gross<br />
income (including your spouse’s income) on a property or else they will take your<br />
assets as additional security.<br />
<strong>The</strong> interest rate as well as the term of the bond (or overdraft repayment) will<br />
have a direct effect on the amount of money that they will lend you. If you apply<br />
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for a bond of R 400 000 at 14% over a twenty year period your bond repayments<br />
will be R 4 974.08 according to the amortization method. That implies that you<br />
must earn a minimum income of R 16 580.<br />
By making these values part of me, I<br />
did set people up for success and<br />
the two opportunities was born out of<br />
chaos. Your mentoring program has<br />
changed my behavior and the way I<br />
have operated. <strong>The</strong>refore, this just a<br />
short note to let you know, I really<br />
appreciated the many hours of work<br />
that you have put in to make it<br />
possible for many South Africans<br />
and maybe someone else in the<br />
world to have fun and start living for<br />
the fun of it.<br />
This mentoring program not only<br />
applies to the entrepreneur but also<br />
for the intrepreneur that have a<br />
passion to make a difference for his<br />
employer, and be rewarded<br />
handsomely.<br />
P.S. You made me lose 26 KG of fat.<br />
Hannes, I`m very happy and we<br />
are celebrating. <strong>The</strong> first<br />
property is now registered in<br />
the name of the trust.<br />
This brings me to a new level of<br />
satisfaction. Although we<br />
obtained other properties, this<br />
is the first in the trust.<br />
I`m glowing<br />
If the interest rate falls to 9% your<br />
repayments will be R 3 599 and your<br />
income must be R 11 996. As a result of a<br />
lower interest rate you can now buy a<br />
property to the value of R 552 843 for a<br />
monthly repayment of R 4 974.08.<br />
With an income of R16 580, the interest<br />
rate at 9% and a term of 30 years you can<br />
buy a property of R 618 178 or R 218 178<br />
more than when the interest rate is 14%<br />
and the term is 20 years.<br />
If any one of these factors change, it will<br />
affect both the risk and the growth of the<br />
investment.<br />
It is clear that risk will have different<br />
meanings to different people and the<br />
different ways of investing. Risk also<br />
depends on your personal financial<br />
position, so what is risk for one investor is<br />
not so for another.<br />
What about risk in a business?<br />
"If you don't have a dream, how are you going to make a dream come true?"<br />
unknown<br />
<strong>The</strong> same principles apply but we need a<br />
different method to calculate the risk. In<br />
business there are more risks than in property<br />
unless one follows the <strong>Wealth</strong> <strong>Creation</strong><br />
Mentoring Course in which I teach my<br />
students to use a different form of business<br />
than the conventional business model.<br />
By following this method you can eliminate all<br />
risks in this specific form of business. I have<br />
used this business form to “KICK START” the<br />
79 cent investment and have made more than<br />
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Page 43
R128 000 within three hours.<br />
Other factors affecting risk.<br />
Let us look at another factor that will determine the risk. If you need income to<br />
maintain your standard of living then the consequences of losing income creates<br />
a higher risk than losing capital.<br />
If however you are not dependent on the income from the new investment your<br />
risk profile again will look differently. In this scenario your biggest risk is to lose<br />
capital. Your risk will vary according to where you are in the wealth creation<br />
process.<br />
Obviously you bombarded us<br />
with many other major truths for<br />
the rest of the day but this one<br />
stood out. You demonstrated<br />
how what people say and<br />
claim, mostly, is erroneous<br />
assumptions/ conclusions and<br />
for the next week everywhere I<br />
went I heard these unfounded<br />
assumptions rolling towards<br />
me, virtually from everybody I<br />
came in contact with. You can<br />
imagine what impact it had on<br />
my own life and how I now view<br />
things.<br />
My students will learn all about these two<br />
processes during the Mentoring Course.<br />
If you are not financially independent and you<br />
rely on your income your biggest risk is to lose<br />
your income or your job.<br />
If you are financially independent and your<br />
passive income covers all living expenses then<br />
income is more important than capital except if<br />
you have invested in paper assets. <strong>The</strong>n the<br />
risk of losing capital poses a bigger risk than<br />
income because the capital provides the<br />
income.<br />
If the investor is wealthy and does not depend<br />
on the capital to generate income then the<br />
chance to lose capital poses little risk.<br />
<strong>The</strong>se arguments again confirm that risk has different meanings for different<br />
people? What is the catch? This: unless you can determine your risk and<br />
manage it you are always in danger of losing.<br />
In the Mentoring Course I teach my students failsafe ways to determine all<br />
investment and business risks as well as ways to offset them.<br />
What is risk?<br />
“In all the world there are no people so piteous and forlorn as those who are forced<br />
to eat the bitter bread of dependency in their old age, and find how steep are the<br />
stairs of another man's house.”<br />
Dorothy Dix, Dorothy Dix, Her Book, 1926<br />
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Risk is detrimental to an investment. Unless you can calculate risk in any<br />
investment or business you cannot make an informed decision as to whether it<br />
will be a good or bad investment.<br />
It is impossible to calculate the risk if I accept all the risk. If I do that there is no<br />
need to calculate it. Isn’t that exactly what all investors in paper assets do all the<br />
time? <strong>The</strong>y take all the risk. <strong>The</strong> financial institution takes none.<br />
This arrangement puts the financial institution in the driving seat because we<br />
accept unconditionally what others prescribe we should think and do with our<br />
money. We do not want to take responsibility for our own financial well-being.<br />
Your challenge notes (Lessons<br />
and Practical) I find very<br />
informative and have learnt a<br />
great deal from it so far. However<br />
the one thing I had a major<br />
problem with is the type of<br />
businesses you started. I thought<br />
yes of course you can do that,<br />
with your training and<br />
experience, but we mere mortals<br />
don’t stand a chance to duplicate<br />
it as we just don’t have that sort<br />
of exposure/ experience. But<br />
then I started to think what is<br />
there that I know stuff about that<br />
can be use to start a business<br />
with.<br />
After some time two things came<br />
to ……. Thus I now realised that I<br />
can also duplicate what you are<br />
doing on the business side and, I<br />
am sure, that is what you wanted<br />
us to realise.<br />
<strong>The</strong> interesting part is that the investor<br />
carries all the risk of the investment but has<br />
no control and cannot manage it as the<br />
financial institution controls the investment.<br />
<strong>The</strong> investor has almost no say in where and<br />
how the institution is going to invest, except<br />
perhaps for a mandate as to a specific kind of<br />
portfolio.<br />
As the most important factor in financial<br />
planning is to determine and manage the<br />
risk, how can we as investors be so blind and<br />
neglect this in our daily planning?<br />
Probably because most investors were raised<br />
in an era where they were trained to believe<br />
that they have no say. Financial institutions<br />
led the investors to believe a module exists<br />
with which the investors can determine their<br />
risk profile. An investor completes a<br />
questionnaire and the information he supplies<br />
is used to advise him what kind of portfolio<br />
will suit him best.<br />
<strong>The</strong>se so-called risk profiles have no substance in my opinion except to lead<br />
investors into the mistaken belief they have a say in managing their investment<br />
risk. <strong>The</strong> risk profiles are at best based on emotion.<br />
I have witnessed investors classified as conservative investors have their money<br />
invested in a conservative portfolio where they lost more than people classified<br />
as aggressive investors. <strong>The</strong> opposite also holds true.<br />
Let me show you how the financial institutions determine our risk profiles and<br />
how risk is defined by many experts.<br />
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<strong>The</strong>re are of course different risks associated with purchasing shares as an<br />
example, but let us look at the definition of risk by some financial institutions.<br />
Investment Risk.<br />
“If you rest, you rust.”<br />
Helen Hayes, Washington Post, May 7, 1990.<br />
If you buy shares in a public company and it goes bankrupt you lose all your<br />
money.<br />
If you invest in your own business which does not make the grade, you may lose<br />
everything you invested in it.<br />
You can even do worse. If you signed surety for a venture you can lose a lot<br />
more than what you have actually invested!<br />
Market Risk.<br />
“<strong>The</strong>re is the risk you cannot afford to take, and there is the risk you cannot afford<br />
not to take.”<br />
Peter F. Drucker<br />
<strong>The</strong> stock market runs on emotion and sentiment. You may buy shares in a<br />
company doing extremely well but a crash on the stock market can make the<br />
value of your shares drop. This has little relation to the performance of the<br />
company in which you hold shares.<br />
Lost Opportunity Risk.<br />
“Everybody thinks of changing humanity and nobody thinks of changing himself.”<br />
Leo Tolstoy<br />
This is a real risk most “experts" stay nothing about. It works like this: you buy<br />
shares and the price drops by 30% over the next month. Usually experts will<br />
advise you to keep the share and "ride" out the cycle. If you are lucky and in two<br />
years time the market returns to the original investment price some "experts" will<br />
say you have not lost anything because you get all your money back. Most<br />
people accept this reasoning.<br />
It is blatantly untrue. If a real good investment opportunity presents itself and you<br />
have kept your money tied up in the first investment, you lose the opportunity to<br />
invest in the second opportunity.<br />
I have seen this happen in other investment areas as well. Investors will keep a<br />
property for example because of an emotional attachment and ignore a far better<br />
proposition just because they "love" the location of the property.<br />
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Hidden Growth Risk.<br />
“Maintaining a complicated life is a great way to avoid changing it”<br />
Elaine St. James<br />
No financial institution will tell you about this. This is because no serious investor<br />
will ever invest if they understand it. <strong>The</strong> hidden growth risk exists because all<br />
future maturity values are projections. <strong>The</strong>re just are no guarantees that it will<br />
materialize.<br />
In other words the investor cannot identify or manage the growth on his<br />
investment. <strong>The</strong> financial institution has full control. <strong>The</strong> investor signed away<br />
his responsibility to manage the investment<br />
My greatest achievement since<br />
joining the mentoring programme<br />
is my change in attitude. I have<br />
taken control of my life. I am<br />
putting myself first and taking<br />
responsibility for my life.<br />
to someone who will not accept responsibility<br />
to manage it. <strong>The</strong>y take no risk in “managing”<br />
your investment and NO REPONSIBILITY<br />
TO GIVE YOU A RETURN ON YOUR<br />
INVESTMENT.<br />
All you get is a promise.<br />
As a fully fledged business the financial institution is geared towards making<br />
profit - whether you win or loose your money is your problem. That is the way<br />
their products are structured.<br />
What about the JSE (Johannesburg Stock Exchange)? <strong>The</strong> same principle<br />
applies there. Brokers cannot lose. <strong>The</strong>y receive their transaction fee, no matter<br />
what.<br />
<strong>The</strong> investor not only carries the "risk" of losing his capital investment but he also<br />
takes the "risk" of no real growth on his investment even if it seems as if he is<br />
"making" money.<br />
If you earn 10% on your investment but the inflation rate is 15% you are losing<br />
5% per year on your investment in real terms even if your investment is growing<br />
nominally.<br />
<strong>The</strong> risk then in the growth is that you as an investor have no say on how to<br />
manage the growth on your investment.<br />
What is REAL risk?<br />
“I never see failure as failure, but only as a learning experience.”<br />
Tom Hopkins<br />
Real risk is the unknown. It is the way we deal with the uncertain aspects of<br />
investment. If you cannot identify what can go wrong then you have a risk.<br />
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Real risk then starts with ignorance. <strong>The</strong> moment that you can identify a risk it<br />
is not a risk anymore because you can manage it. If you cannot identify the risk<br />
then the risk will manage you.<br />
If you have no control over the management of the risk then it becomes very<br />
difficult to identify it.<br />
Sometimes real risk hides in “confusing” financial terminology such as market<br />
risk, financial risk and lost opportunity risk. All of these terms sound as if you<br />
should know what they are but you cannot do anything to prevent them. It is no<br />
good if you know what the risk is but you cannot manage it.<br />
<strong>The</strong> financial institution transfers the risk to the investor no matter what it is<br />
called.<br />
If an investor understands this principle when he hands over his investment<br />
money to the financial institutions then he accepts responsibility for the outcome<br />
of the investment.<br />
Let us look at some of the reasons for the confusion of the investor. <strong>The</strong> financial<br />
institutions “instruct" the investor as to what risk is and how to manage it.<br />
What is risk tolerance and how does it affect the investor?<br />
<strong>The</strong> investor is conditioned to think that risk and reward goes hand in hand, the<br />
higher the risk the bigger the return and of course also the bigger the chance that<br />
the investor can lose everything.<br />
<strong>The</strong> business ideas are also<br />
starting to flow (mentally and<br />
practically). <strong>The</strong>re are<br />
opportunities all around us, all we<br />
have to do is “wake up and smell<br />
the coffee!” I WILL find “that one<br />
(or more!) idea that will give me<br />
the breakthrough I’m looking for!”<br />
Oh, and yes! I am definitely<br />
“living my life with passion” and<br />
“enjoying the ride!” I want to be<br />
free! I WILL be free!!!<br />
Thanks to you Hannes and the<br />
rest of the team and to my dear<br />
friend, of course, for opening up<br />
my eyes!<br />
<strong>The</strong> ideal investment is one that falls within<br />
your particular tolerance for risk and has a<br />
potential rate of return that exceeds the<br />
normal growth for the amount of risk that<br />
you as an investor are prepared to take.<br />
When it comes to paper assets this is the<br />
truth. <strong>Wealth</strong> Creators take note. Now<br />
this may seem like good advice to lower<br />
your risk but be careful in your thinking. I will<br />
explain shortly.<br />
<strong>The</strong>re are two different but proven strategies<br />
to invest in shares (and unit trusts) to<br />
minimize your risk according to financial<br />
institutions.<br />
Just about everyone has heard of the first<br />
one but very few investors actually<br />
understand it.<br />
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Rand Cost Averaging.<br />
“Earn all that you can, save all that you can, and give all that you can.”<br />
John Wesley<br />
If you invest R100 every month in a unit trust fund, in the months when the share<br />
price is down your R100 will purchase more unit trusts than when the share price<br />
is up.<br />
In essence, it means that over a long period of time you will own more units<br />
purchased at a lower price than you will own purchased at a higher price.<br />
Thus the average price you paid per share is lower. If you paid R10 per unit trust<br />
share in your first month and ten years later you sell all your units trust for R10<br />
per share, there is a distinct probability that you will still make a profit.<br />
But exactly here is where the<br />
conflict starts – in my CA<br />
education entrepreneur = risk. Or<br />
should I say<br />
RRRRIIIIIISSSSSKKKKK!!!!! We<br />
shudder just to hear the word and<br />
will do everything to avoid it. In<br />
my brain I thus had a mental<br />
block, where a man named<br />
Hannes came in.<br />
After seeing your advertisement<br />
in the Rapport and attending a<br />
free session, I immediately<br />
enrolled for your mentoring<br />
course. Trust me, I fall into the<br />
“willing learner” category as per<br />
your mission.<br />
I applied many of your principles.<br />
I started to spend hours and<br />
hours with entrepreneurs,<br />
learning how they operate and<br />
how to mitigate and almost<br />
eliminate risk. I reprogrammed<br />
my brain and as Gary Player<br />
used to say: “<strong>The</strong> more you<br />
practice the luckier you get”.<br />
Although the share price changes throughout<br />
your ten years of investing the R100 per<br />
month the average that you will have paid<br />
will be significantly less than R10 per share.<br />
If you had however taken the money and<br />
invested it all at once, and ten years later the<br />
share price is exactly the same, then you<br />
haven't made a cent profit. In fact, you have<br />
lost money due to inflation. You get the<br />
original sum of money back, but it isn't worth<br />
as much as when you originally invested it.<br />
<strong>The</strong> next tried and proven method of<br />
investing is more sophisticated and until<br />
recently wasn't even available to the average<br />
person.<br />
Modern Portfolio <strong>The</strong>ory<br />
“<strong>The</strong>re is only one good, knowledge, and one<br />
evil, ignorance.”<br />
Socrates<br />
With the use of this strategy in your<br />
investment module you could attain the<br />
same rate of return with significantly less<br />
risk. Conversely you can say that you can<br />
get a higher rate of return for the same risk.<br />
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<strong>The</strong> Modern Portfolio <strong>The</strong>ory basically acknowledges that different investments<br />
perform differently at different times. So, if you divide your investments between<br />
different investments, when one is down another is likely to be up.<br />
One of the major benefits of this approach is that, in theory with the law of<br />
averages, you should have one portion of your portfolio doing well at any given<br />
time. Later in life, when you want to start spending your money, you don't need to<br />
sell the investment that happens to be at a low point at that stage.<br />
You allow the investment to continue through its cycle of recovery and you will<br />
then sell those investments that had done very well.<br />
An aspect of good money management that works well with the Modern Portfolio<br />
<strong>The</strong>ory is to regularly evaluate your investment sub- accounts to insure that you<br />
always stay invested consistent with your tolerance for risk.<br />
How to calculate your risk profile?<br />
Hannes, I don’t think words can<br />
express my gratitude towards<br />
what you are doing and what<br />
change you brought to my life,<br />
which obviously includes my wife<br />
and future family. Maybe what I<br />
should say is that your mission is<br />
to teach people how to get rich.<br />
“Don't mistake your career for your life.”<br />
Standard procedure at most financial institutions is to complete a risk profile<br />
before investing.<br />
You answer questions such as:<br />
"How would you react if your account dropped more than 10% in one<br />
month?" Or,<br />
"How many years before you will need this money?"<br />
<strong>The</strong>se questionnaires help the financial planner or broker (salesperson) to set up<br />
your account from the beginning.<br />
<strong>For</strong> example, a very conservative investor will<br />
probably have a fairly small percentage of his<br />
total investment placed into "Small Cap"<br />
stocks. <strong>The</strong>se are small companies with very<br />
little working capital and are more risky than<br />
companies with Blue Chip shares.<br />
When we hit a part of the economic cycle that<br />
makes small cap stocks really take off, your<br />
portfolio gets out of line with your risk profile<br />
because now small cap shares represent a<br />
much higher percentage of your total<br />
investment.<br />
Modern portfolio management would re-balance your account on a regular basis,<br />
like quarterly or semi-annually, by selling off some small cap stocks and buying<br />
more other investments for your portfolio.<br />
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You may have as many as ten or twelve different investment categories: longterm<br />
bonds, short-term bonds, growth, blue chip, small cap, mid-cap, global<br />
shares (of foreign corporations), real estate investment shares, commodities and<br />
different sector shares such as energy, environmental or medical shares and<br />
others.<br />
Common investment mistakes.<br />
"All difficult things have their origin in that which is easy, and great things in that<br />
which is small."<br />
Lao-Tzu, {BC 600-Unknown Chinese Philosopher<br />
<strong>The</strong> single biggest mistake investors in shares make is that they almost always<br />
buy and sell driven by emotion. <strong>The</strong>y buy out of "Greed" and they sell in "Fear".<br />
<strong>The</strong> stock market heats up at times. Investors get wind of this great opportunity<br />
and a desire for quick money motivates them to buy. When the market makes a<br />
major, or in some cases, just a minor negative correction, everybody panics and<br />
sells. In other words, most investors buy high and sell low and lose money in the<br />
process.<br />
Every time someone is buying high someone is selling high, and every time<br />
someone is selling low someone else is buying low. Guess who wins?<br />
<strong>The</strong> biggest painful truth about<br />
IGNORANCE is that YOU DON"T<br />
KNOW THAT YOU DON"T KNOW.<br />
How can you avoid risk?<br />
"I think luck is the sense to recognize an opportunity and the ability to take<br />
advantage of it."<br />
Samuel Goldwyn<br />
It is unwise to invest unless you can calculate the risk potential in the investment.<br />
As said before: if you do not know how to identify the risk you will not be able to<br />
calculate it.<br />
My best advice is: “If you cannot calculate the risk, don’t invest”<br />
It is really that easy, but most people are so<br />
conditioned in their belief systems that they<br />
will simply not accept a word I am saying.<br />
<strong>The</strong> truth about paper assets is you cannot<br />
calculate the risk, no matter what any person wants you to believe. It is<br />
impossible to calculate it because you keep all the risk but cannot manage it.<br />
If this is the case: get out, stay out and don’t invest in that asset class or share if<br />
you want to become a <strong>Wealth</strong> Creator. It is that simple. <strong>The</strong> best way to manage<br />
risk is to know what it is. Knowing the risk you have already eliminated most of it.<br />
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Risk is the unknown. Invest in yourself first; learn how to identify the risk before<br />
making a decision.<br />
Don’t be confused by "rand cost averaging" or the "modern portfolio theory" or<br />
“how to calculate your risk profile”. <strong>The</strong>se are all strategies to confuse you from<br />
what the REAL risk is: handing over your hard earned money and having no say<br />
in the management of the investment.<br />
<strong>The</strong> exception to this rule would be if you know how to calculate the intrinsic<br />
value of a share.<br />
Re = Responsibility to manage the growth and risk.<br />
"How far you go in life depends on you being tender with the young, compassionate<br />
with the aged, sympathetic with the striving and tolerant of the weak and the<br />
strong. Because someday in life you will have been all of these."<br />
George Washington Carver<br />
I am 10 weeks into the<br />
mentorship course. To say I`m<br />
not the same is not enough; I am<br />
changed, and continue to change<br />
inside out.<br />
I go through the lessons over and<br />
over until I internalize the gist of<br />
the lesson. <strong>The</strong> lesson on<br />
income, profit and cashflow has<br />
left me with mixed feelings. I was<br />
depressed for a day or two,<br />
because when I did the numbers<br />
on my current businesses I was<br />
shocked! I was happy, on the<br />
other hand, that I now know<br />
where I am headed and what<br />
needs to be done to move<br />
forward.<br />
I repeat: it is impossible to manage the risk<br />
and growth potential in any investment or<br />
business unless you can identify it. Once<br />
you have identified the risk and growth<br />
potential of any investment it becomes YOUR<br />
RESPONSIBILITY to manage the risk and<br />
growth of your investment. No one else can<br />
take that responsibility. <strong>The</strong> moment you give<br />
the responsibility away you lose control.<br />
A formula for responsibility is:<br />
E + R = O<br />
Where;<br />
E = Event,<br />
R = Response to the event and<br />
O = Outcome<br />
In other words if you do not get the outcome (growth) that you want on the<br />
surplus then you can:<br />
a) Change the event (the investment medium) or<br />
b) change the response to the event (different strategy) or<br />
c) change both the event and the response.<br />
In short it boils down to taking action when it is needed to reach your goal.<br />
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With paper assets you cannot change the response to the event and therefore<br />
you cannot take responsibility for the growth of the investment. Someone else<br />
(the financial institutions) will always control the outcome of the investment.<br />
<strong>The</strong> only control you will have is to decide if you are going to invest or withdraw<br />
your investment with the financial institutions.<br />
Your responsibility then is to manage the risk to be as small as possible and the<br />
growth to the maximum in order to optimize your investment.<br />
How do you manage your risk down and growth up? Remember, in order to<br />
become wealthy your risk must decrease or at least you should identify the risk<br />
and then apply strategies and techniques to minimize it. At the same time you<br />
must increase the growth potential by applying strategies and techniques. Unless<br />
you can identify both the risk and growth you cannot manage it.<br />
I have today (5 weeks within the<br />
mentoring course) realised and<br />
achieved one small thing<br />
`mentally` which had an impact<br />
on a potential mistake I was<br />
going to make. And that is to<br />
WAIT and learn first before I<br />
pursue in any further investment<br />
deals.<br />
How do you manage growth and risk?<br />
"You miss 100% of the shots you don't take."<br />
Wayne Gretzky<br />
<strong>The</strong> first step is to identify the risk and growth potential.<br />
In the <strong>Wealth</strong> <strong>Creation</strong> Mentoring Course I reveal how easy it is to calculate<br />
the risk and growth in any investment.<br />
Once you have determined the risk and growth potential of your investment you<br />
must benchmark it. In other words set the standard from where to improve.<br />
In order to determine what growth you need on your investment you must first<br />
determine what surplus you have available for investment. As you know there<br />
are two kinds of surplus and they are of an income or capital kind.<br />
Next you decide when you want the capital in other words over what period.<br />
growth of more than 50% you will consider it.<br />
Lastly you will have to determine what growth<br />
you need to achieve your objective. Let’s say<br />
that you need 50% growth on your surplus<br />
compounded per year for the next five years<br />
to achieve your objective.<br />
<strong>The</strong> 50% will then become your benchmark.<br />
If an investment cannot give you 50% growth<br />
on your surplus you will ignore it and if the<br />
investment has the potential to give you a<br />
Next you decide what risk you are prepared to take on the investment.<br />
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One way to do that is to decide how much money you are prepared to "lose" if<br />
things go wrong. If you can afford to "lose" R1000 per month you use this as<br />
your risk benchmark and you will not invest more than R1000 per month.<br />
<strong>The</strong> next step is to use different systems to identify the risk and growth potential<br />
of an investment. I have developed two systems - the Property Pro Program <br />
and <strong>Wealth</strong> Pro programs – it also incorporates the <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong><br />
<strong>Creation</strong><br />
Unless you have a proven system to identify the risk and the growth potential in<br />
an investment, you cannot benchmark the investment so you cannot manage it.<br />
<strong>The</strong> next step is to identify the asset class or classes that will adhere to your<br />
benchmark.<br />
<strong>The</strong>n apply different financial and life strategies to lower the risk and improve the<br />
growth on your investment. <strong>The</strong> best strategies are those where you will<br />
decrease the risk and at the same time increase the growth on your investment.<br />
What you say is shocking in that<br />
we always get conditioned by<br />
"experts" that it is good to have a<br />
negative cash flow, and who<br />
makes money in the end, not me<br />
but the so called `experts`.<br />
My opinion, these so called<br />
`experts` are experts in making<br />
entrepreneurs fail, and enriching<br />
themselfes. Maybe this is going<br />
on for so many generations that<br />
people just `accept` the way<br />
things used to be done.<br />
But yet again, as they say, if<br />
everyone does it, it’s got to be<br />
the `right` thing. This `right` thing<br />
is definitely not good for myself<br />
and my future, since I am the one<br />
losing in this deal. <strong>The</strong> main thing<br />
is that I made this `small`<br />
realisation of investing in myself<br />
FIRST and STOP continuing with<br />
that so called popular `right`<br />
thing.<br />
By managing the different strategies you<br />
must find the optimum balance between the<br />
lowest possible risk and highest possible<br />
growth for your investment in that specific<br />
class of asset or investment.<br />
You will learn more about this in the different<br />
classes of investment section in the<br />
Mentoring Course.<br />
Unless you can measure the results you<br />
cannot manage the strategies that you are<br />
using to improve the growth and lower the<br />
risk.<br />
This is also incorporated in the financial<br />
systems that I am using.<br />
<strong>The</strong> main objective then is to apply different<br />
strategies so that your risk becomes smaller<br />
and your growth goes up.<br />
Once you are applying different strategies<br />
you have to manage them because of<br />
possible changes to legislation and in<br />
economic, social and political environments.<br />
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where<br />
n = time and<br />
m = effectivity and<br />
I have become an EXTREME<br />
OPTIMIST!! You have opened my<br />
mind to such an extent that I know<br />
that nothing is impossible. Well<br />
maybe there is only one<br />
impossible thing, and that is for the<br />
devil to get into heaven. Other<br />
than that everything is possible.<br />
nm = Time and personal effort (Effectivity).<br />
effectivity m = PT q<br />
where<br />
P = physical resources and include your specific talents and gifts<br />
T = technology.<br />
q = power of the technology or system you use.<br />
In my <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong> I make use of the symbol m. This symbol<br />
stands for effectivity and it represents a formula in a formula. m = PT q where P is<br />
physical resources and include your specific talents and gifts. <strong>The</strong> T stands for<br />
technology. <strong>The</strong> q next to the T represents the power of the technology or system<br />
you use.<br />
Unless you know how to become extremely effective in what you are doing, it<br />
becomes difficult to sustain growth over time. <strong>The</strong> better the systems you build<br />
the easier it will be to sustain growth over time.<br />
What is the effectivity factor nm?<br />
“Success is the result of good judgment, good judgment is a result of experience,<br />
experience is often the result of bad judgment”<br />
Tony Robbins<br />
It is the relationship between time and effort. If you are close to retirement or<br />
have little time left to reach your goal the<br />
only way to achieve wealth creation is with<br />
more effort. So you will have to work harder<br />
and more efficiently.<br />
<strong>The</strong>re is a big difference between working<br />
hard and being efficient.<br />
<strong>The</strong> “trick” that I am teaching my students is<br />
that they must learn how to enhance the<br />
power of PT q<br />
T = technology. <strong>The</strong> better the technology you use the easier the work usually<br />
becomes. At the same time the power of your technology will decrease the time<br />
need to complete a task and so increase effectiveness.<br />
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To optimize a business or an investment it is vital to discover and develop the<br />
optimum application for the PT q formula in a given investment or business.<br />
In any business or investment it is the lack of adequate effectiveness or<br />
efficiency that leads to the ceiling of complexity. <strong>The</strong> ceiling of complexity is<br />
discussed in detail later on in the Mentoring Course.<br />
Effectiveness is the last part of the formula for wealth creation. This is the<br />
process of optimizing the relationship between time and effort.<br />
Hannes, thank you so far for what<br />
you have given me. Amongst<br />
other things, you have taught me<br />
how to start implementing my<br />
vision. It is true that it is more<br />
important to give than to receive.<br />
You have also made me think of<br />
what I am giving to other people.<br />
This is an area in my life that I<br />
need to work on, but I have<br />
started with this journey, and I am<br />
enjoying it everyday of my life.<br />
Time<br />
"<strong>The</strong> difference between greatness and mediocrity is often how an individual views a<br />
mistake."<br />
Nelson Boswell<br />
A fact most people ignore is that with <strong>Wealth</strong> <strong>Creation</strong> there is no such thing as a<br />
quick solution. It will take time and the more effective you use your time and<br />
resources (effort) the more dramatic the results will be.<br />
Warren Buffet, the world’s greatest investor, has been working diligently for more<br />
than 50 years to build his empire. It is important to note it takes time and effort<br />
(work) – and therefore, he says, he has been WORKING willingly.<br />
Most people do no want to wait that long.<br />
<strong>The</strong>y do not want to put in the effort and they<br />
don’t want to work. In the process they hop<br />
skip and jump from one investment to<br />
another hunting for a quick solution. This<br />
costs them money and they lose time.<br />
If you have a surplus and you can identify the<br />
risk and growth potential in an investment<br />
and you have strategies in place to manage<br />
the growth and risk but you do not have<br />
enough time, you will not become wealthy.<br />
It is however sometimes possible to buy time. If you can be more effective you<br />
can increase the results. <strong>The</strong>re are four asset types:<br />
• Paper assets;<br />
• Tangible assets;<br />
• Business assets; and<br />
• Personal assets (talents gifts and opportunities).<br />
<strong>The</strong> most dramatic results in improving effectiveness is when you combine your<br />
personal assets with any one (or combinations) of the other asset types.<br />
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Personally I have three questions I ask before I invest money or time in any<br />
venture to ensure I will be able to effectively manage it. I learnt them many years<br />
ago. <strong>The</strong>y are:<br />
• Is it possible?<br />
• Can I make it happen?<br />
• Do I have control over it?<br />
If the answer to any of these questions is “no” it means I will not be able to<br />
manage it and I may loose a lot of time and money or both in the investment or<br />
About 1 year after the formation<br />
of our investment club I finally<br />
gave into the lure of your ad in a<br />
local newspaper amd attended<br />
one of your seminars. We were<br />
very impressed and immediately<br />
realize that there was a more<br />
thorough way of approaching<br />
property investment. We sent<br />
one of our members to the full<br />
day seminar and are getting<br />
feedback in three days time.<br />
<strong>The</strong> remodelled approach to my<br />
life has made it a pleasure to get<br />
up in the morning and go to work.<br />
I have set a date for me<br />
retirement in 10 years time (the<br />
day before my fiftieth birhday) but<br />
I am also going to enjoy the<br />
journey with family and friends!<br />
business.<br />
I believe that by asking and answering these<br />
questions an entrepreneur or investor will be<br />
able to control and manage the effectiveness<br />
factor of the investment or business.<br />
It is not to say that you must be able to do the<br />
work. Most people associate work with<br />
effectiveness. That is simply not the case.<br />
By taking and managing the responsibility<br />
and by creating systems you can manage a<br />
company without doing any physical work<br />
yourself.<br />
<strong>The</strong> saying goes: “he who controls the money<br />
makes the rules”. With <strong>Wealth</strong> <strong>Creation</strong> this<br />
is true. Once you have systems in place to<br />
control the cash flow and the people, you are<br />
managing your investment or business.<br />
<strong>The</strong> outcome must be positive.<br />
“<strong>The</strong> only place where success comes before work is in the dictionary.”<br />
If you cannot apply the formula (without breaking the <strong><strong>For</strong>mula</strong> for Riches) then<br />
you know that the asset type or class will not help you create wealth.<br />
<strong>The</strong> biggest difference between an entrepreneur and an investor is the<br />
application of the SURPLUS in the <strong><strong>For</strong>mula</strong> for Riches.<br />
An entrepreneur must learn how to create a surplus. Unless the business gives<br />
the entrepreneur the ability to generate a surplus, it will never become feasible<br />
and sustain the entrepreneur.<br />
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An investor must have a surplus as defined in the formula otherwise he cannot<br />
become a wealth creator. It is interesting to note that you do not need to be an<br />
entrepreneur in order to become extremely wealthy. You can create wealth by<br />
following the investment strategy.<br />
You can be an employee and still become wealthy - on condition that you have a<br />
surplus and apply the <strong><strong>For</strong>mula</strong> for Riches to the surplus.<br />
It is also possible to be an entrepreneur and remain poor. <strong>The</strong> reason is not hard<br />
to find. Unless you learn how to apply the <strong><strong>For</strong>mula</strong> for Riches and learn how to<br />
let you money (SURPLUS) work for you, you will remain an entrepreneur who will<br />
have to work for his money.<br />
<strong>The</strong>re are two ways to be an entrepreneur.<br />
1. <strong>The</strong> conventional way. This is where you buy a business but you have to<br />
keep working for your money. If you are not physically there to do the<br />
work the business stops.<br />
2. <strong>The</strong> wealth creation way. This is to build passive income without the need<br />
to actually work in the business.<br />
<strong>The</strong> main difference between the conventional entrepreneur and the wealth<br />
creation entrepreneur is that the conventional<br />
entrepreneur is working in the business and<br />
……. Well, its July now and<br />
following your advice I bought 7<br />
properties from one bank at the<br />
beginning of March, got bonds for all<br />
of them from another, rented them<br />
out to service the bonds while<br />
looking for buyers for the properties<br />
and as I speak I’ve sold 6 and<br />
expecting registration as well as my<br />
R1.2m at the end of August!!!<br />
the wealth creation entrepreneur is working<br />
on growing the business.<br />
Unfortunately many businesses fall in the<br />
conventional category where business<br />
people become slaves of their business.<br />
A true entrepreneur must learn how to let the<br />
business and his money work for him instead<br />
of the other way round.<br />
<strong>The</strong> Third Pillar – <strong>The</strong> Mercedes Principle.<br />
“<strong>The</strong> true measure of a man's wealth is in the things he can afford not to buy.”<br />
Ralph Waldo Emerson<br />
It is a strategy I have developed over many years. I teach my students how to<br />
protect themselves, their time, minds and their assets. Unless you can build a<br />
fortress around you it becomes very difficult to survive with all the negativity that<br />
we encounter daily.<br />
On the financial side it is about income and asset allocation. I teach my students<br />
that they do not need capital to make money.<br />
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<strong>The</strong> function of capital is to offset risk and to determine the pace of growth. If you<br />
grow too fast you can run into serious problems like cash flow. If you grow too<br />
slowly you will never become rich.<br />
<strong>The</strong>re are two kinds of a surplus. <strong>The</strong> first is an income surplus. <strong>The</strong> second a<br />
capital surplus.<br />
…………………. And today,<br />
looking back at the transpiring<br />
events in my life the past 18 months,<br />
I can say, 2004 was my best year<br />
ever ... having had the heart-attack<br />
was the best thing that could’ve ever<br />
happened to me, cause it brought<br />
me out to search for the real true<br />
things in life, which somehow, I<br />
noted all the time, shines through in<br />
your lessons. It is so inspiring, we<br />
are really blessed that there is<br />
persons in this short life, like<br />
yourself, that avail your time, energy<br />
and passion, to show, demonstrate<br />
and ignite ours within yourself, it is<br />
there, it only needs to be ignited. I<br />
am so happy, cause I don’t smoke<br />
any longer, since 29 Oct 2004, not<br />
even 1 !!! I am on a road to my<br />
BEST LIFE ever ! I love life, and I<br />
continue this program, with the<br />
greatest of pleasure.<br />
<strong>The</strong> trick is to allocate these surpluses in the<br />
right proportion. In creating wealth there are<br />
three areas I concentrate on: Growth, Security<br />
and a Life of the Fullest Potential.<br />
<strong>The</strong> way I allocate my surplus income is to<br />
invest a third in any investment or business<br />
that can give me the best growth with the<br />
smallest amount of risk.<br />
Another third I use to repay any debt I may<br />
have. Sometimes I do make use of techniques<br />
called gearing. But this technique brings<br />
different risks.<br />
<strong>The</strong> remaining third is allocated towards<br />
enjoying my life. We do not know how long we<br />
are going to live. But if you spend too much<br />
you will create a problem for yourself. So the<br />
“trick” is to balance, Growth, Security and<br />
Enjoyment. of <strong>Wealth</strong>.<br />
Growth<br />
“Where there is no vision, the people perish.”<br />
Hebrew Proverb<br />
Personally I use three types of asset classes to achieve my goal:<br />
<strong>The</strong> first is my gifts, talents and the experience I have.<br />
<strong>The</strong> second is property. I use the same principles and techniques I teach my<br />
Property Investment students.<br />
<strong>The</strong> third type I use is the Direct Business Response Business.<br />
<strong>The</strong> quickest way to start generating income is to use the direct response<br />
business. In any business and property the most important factor is the risk.<br />
Again: unless I can determine the risk and know how to manage it, I will not<br />
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invest in that class of asset. <strong>The</strong> only two classes of assets that allow me this<br />
luxury are Property and the Direct Response Business.<br />
I use a technique called Roll In to channel the growth into new and better<br />
investments. I apply this strategy to roll in the 79 cents until it becomes R10<br />
million.<br />
"<strong>The</strong> road to happiness lies in two simple principles: find what interests you and that<br />
you can do well, and put your whole soul into it - every bit of energy and ambition<br />
and natural ability you have."<br />
John D. Rockefeller III<br />
Security<br />
"What worries you, masters you."<br />
Haddon W. Robinson<br />
<strong>The</strong>re are two ways to build security. <strong>The</strong> first is to identify all risks associated<br />
with the investment and then learn how to manage it. <strong>The</strong> second way is to<br />
eliminate debts. <strong>The</strong> more equity you have the smaller the risk to lose your<br />
investment or capital.<br />
<strong>The</strong> second Law states that income is more important than capital. This is very<br />
important. Many businesses with lots of potential simply did not make the grade<br />
and the main reason was a lack of cash flow, or sometimes the cash flow was<br />
there but the business owners simply “strip” the business of its cash flow - their<br />
personal requirements were simply too high.<br />
By stripping a business of its cash flow you set yourself up for disaster. This<br />
poses no problem for me. I do not withdraw any income from any business that I<br />
run in the challenge. I simply do not need more income. I already have more than<br />
enough passive income.<br />
In the challenge I firstly determined the risk and decided how much I was<br />
prepared to lose. <strong>The</strong> second thing was to develop a way to generate income.<br />
<strong>The</strong> next thing was to build a business system that could incorporate the <strong>Wealth</strong><br />
Challenge. <strong>The</strong> better the system you use, the smaller the risk and the more<br />
security you have. Add a solid administration system and you can almost do<br />
without personnel. Personnel impose different kinds of risks.<br />
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Earlier this year my wife and I<br />
decided to apply what we`ve<br />
learned from attending<br />
Hannes Dreyer`s courses. It<br />
meant taking bold steps but<br />
we did it. We paid off our debt<br />
and soon after bought our first<br />
and more recently, our<br />
second investment property.<br />
Our goal was to have two<br />
properties by the end of 2005<br />
- it looks like we will end with<br />
five!<br />
Having followed the mentor<br />
program, I have learned more<br />
about myself and have the<br />
confidence to apply what I<br />
learned to the benefit of<br />
myself, my spouse and more<br />
importantly my community. I<br />
CAN achieve my goals and<br />
now know I WILL achieve<br />
financial freedom.<br />
<strong>The</strong> Fourth Pillar - <strong>The</strong> Accelerator Principle.<br />
"<strong>The</strong>re are two kinds of men who never amount to much: those who cannot do what<br />
they are told and those who can do nothing else."<br />
Cyrus H. Curtis<br />
<strong>The</strong> first asset type is what I call “paper assets”<br />
<strong>The</strong> magic is in how we optimize what we have<br />
and how we exponentially accelerate what<br />
assets we have to grow in the fourteen areas of<br />
our life. I teach my students these principles in<br />
the mentoring course. This accelerator principle<br />
is very evident in the financial side of our lives<br />
because by applying it anybody can retire in less<br />
than five years on condition that they know and<br />
apply the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong><br />
<strong>Creation</strong>.<br />
If we look at retirement planning for example<br />
there are only four asset classes that we can<br />
use in order to help us speed up the process.<br />
Like financial planning, retirement planning is<br />
very easy but the experts complicate the<br />
subject. What you have to do to retire wealthy is<br />
to understand how to use the right asset classes<br />
and how to accelerate them so that you can<br />
retire in less than five years.<br />
Before you can use the right asset class let me<br />
quickly tell you what they are:<br />
“Even if you're on the right track, you won't get anywhere if you're standing still.”<br />
Will Rogers<br />
This typically are financial assets including Pension or Provident Funds, Deferred<br />
and Preferred Compensation Plans, Preservation Funds, Retirement Annuities,<br />
Shares, Unit Trusts, Endowment policies and Fix Deposits.<br />
Personally I do not invest in any of these paper asset classes because I cannot<br />
apply the formula for riches to any of them. <strong>The</strong>y are designed by financial<br />
institutions to at best help you to become financially independent over a forty to<br />
fifty year period - if you are very lucky.<br />
I am not saying that you should not include them in your asset structure. But if<br />
you want to become wealthy in less than forty years, these asset classes are not<br />
going to work for you, unless you have a lot of capital to invest.<br />
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<strong>The</strong> second asset class is called tangible assets.<br />
“<strong>The</strong>re are two times in a man's life when he should not speculate: when he can't<br />
afford it, and when he can.”<br />
Mark Twain<br />
Diamonds, gold, coins and other tangibles fall in this asset class. Personally the<br />
only one I use is property. <strong>The</strong> reason I do so is that I developed a system in<br />
1987 called <strong>The</strong> Property Pro Program that helps me to identify the growth and<br />
risk potential in any property in the world in less than three minutes. Furthermore<br />
I have developed different strategies to lower the risk and increase the growth<br />
potential on any property investment.<br />
I have also built systems to buy property for free. This I teach in Property Pro<br />
Trust and for more information you can visit www.propertyschool.co.za.<br />
What most property investors do not realize is that there are four different ways<br />
to invest in property.<br />
Paper Assets:<br />
This is where you buy a share in a public company. I do not like this type of<br />
investment because I have absolutely no control over it.<br />
Development:<br />
"Never bear more than one trouble at a time. Some people bear three kinds - all they<br />
have had, all they have now, and all they expect to have."<br />
Edward Everett Hale<br />
This is a business and not an investment. I will apply business principles in the<br />
Mentoring Course.<br />
In week 40 of the Mentoring Course the first property – for development - was<br />
registered in order to “teach” students the tricks of the trade.<br />
Speculation:<br />
“Life is a succession of lessons which must be lived to be understood.”<br />
Ralph Waldo Emerson<br />
Buying and selling has also been described as gambling. As long as the property<br />
market is in a bull phase this strategy definitely can work, but history has proven<br />
repeatedly the moment the market loses its momentum many so-called investors<br />
burn their fingers.<br />
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Long term investing:<br />
"When life knocks you down, try to land on your back. Because if you can look up,<br />
you can get up. Let your reason get you back up."<br />
Les Brown<br />
This is the only type of property investment in which I am interested. Property<br />
School is built around this principle and this is what I teach students in the One<br />
Day Property Investment Workshop. This is one of the best investments anyone<br />
can make if he is interested in property as an investment.<br />
<strong>The</strong> third class is called Business Assets.<br />
"Without Adversity, without change, life is boring. <strong>The</strong> paradox of comfort is that we<br />
stop trying."<br />
John Amatt<br />
<strong>The</strong>re are two types of businesses.<br />
Conventional business.<br />
You work in your business and you work for the business. If you do not work,<br />
there is no money. You are therefore the slave of your business and of your<br />
money. You still have to work to make a living<br />
Most professional people and businesses will fall in this category.<br />
Direct Response Business<br />
Here you work on your business and you grow the business. <strong>The</strong> business gives<br />
you passive income. This passive income is not dependent on you. When you<br />
work, it is to improve what you have. <strong>The</strong> business is working for you.<br />
I only build Direct Response Businesses. It is easy, it is fun and it can make<br />
you lots of money without “working” for it. <strong>The</strong> business takes care of itself. You<br />
can be anywhere in the world and still make money.<br />
In the mentoring course I show students how I generate ideas, work on my<br />
business strategies and the setup of the systems – for free. Most importantly I<br />
show them how to build this type of business risk free.<br />
In the Entrepreneur's Development Program I teach people HOW TO<br />
BECOME ENTREPRENEURS WITHOUT TAKING RISK or without giving up<br />
their security.<br />
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. …….. We then applied one of your<br />
financial strategies and instead of<br />
paying R61 425-00 per month in the<br />
first year our payment was only<br />
R37,500-00 per month. <strong>The</strong> saving<br />
of R23 925-00 per month or a<br />
saving of R287,100-00 for the first<br />
year………..<br />
….At the Presentation, Hannes<br />
showed us a number of possibilities,<br />
techniques, and things to keep in<br />
mind when you invest in Property. At<br />
first I was skeptical, but as the<br />
evening continued, I realised that<br />
this was no story, this was reality!<br />
..........And then the inevitable<br />
happened! I was Retrenched!<br />
If I had not played attention to what<br />
Hannes was saying, I would have<br />
been devastated at this time,<br />
However …Thank you Hannes, you<br />
saved our lives...<br />
You do not need to take risks to become<br />
financially free.<br />
I have made use of this business model as<br />
my basis for converting the 79 cents into<br />
more than a million rand investment in less<br />
than 40 weeks.<br />
Please do not confuse the Direct Sales<br />
Business with the Direct Response Business. <strong>The</strong>re is a very clear distinction<br />
between a conventional business and a direct response business. Statistics<br />
show that 86% of all conventional businesses will fail within the first three years<br />
of operation. Not a very good background against which to start a business.<br />
Your opportunities, gifts and talents are your greatest asset class.<br />
Most people think they do not have any talents or gifts for making money. This is<br />
simply not true. What is true is that people are not taught HOW to develop their<br />
gifts and talents.<br />
In the Eight Laws Of A Successful<br />
Entrepreneur I will teach you everything<br />
you will ever need to know to become a<br />
successful entrepreneur and how to<br />
“discover” your specific talents and gifts.<br />
Using the Accelerator Principle to retire<br />
quickly<br />
This is where you combine different asset<br />
classes in the right proportion so your money<br />
works for you in the right place at the right<br />
pace. By using this strategy you could retire<br />
in five years instead of forty.<br />
By now you must be wondering what the biggest secret of all is. How is it<br />
possible to invest only 79 cents and turn it into a million rand in less than 40<br />
weeks?<br />
Here is the only secret you will ever need to know to become extremely<br />
successful<br />
<strong>The</strong> Big Secret is: <strong>The</strong>re is No Big Secret.<br />
In books and articles on finance one continuously reads there is a “secret.”<br />
<strong>The</strong> truth is there are no secret ways to move ahead financially.<br />
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All you need to do is to apply the correct strategies and principles to your<br />
investments to increase your personal wealth.<br />
All these so-called secrets are attention grabbers. Unfortunately this “hype” sells.<br />
<strong>The</strong> reason it sells is that people are all searching for the secret of a quick fix<br />
which will make them wealthy immediately. Life does not work that way. Unless<br />
you follow a proven strategy you will not become wealthy.<br />
What is a “strategy”?<br />
“When better is possible, then good is not enough.”<br />
A strategy is simply a procedure or plan for implementing a correct set of “rules”.<br />
<strong>The</strong> “trick” is to find the right financial principles or rules that will work for you. If<br />
these principles are universal it means they will work for everybody anywhere in<br />
the world.<br />
<strong>The</strong> procedure to implement them is also called a system.<br />
1. <strong>The</strong> first step is to have a surplus.<br />
2. Learn how to let the surplus work for you. Reinvest the principal plus<br />
the growth on the principal investment in order to build more surpluses.<br />
Repeat the process. Follow the roll in system.<br />
3. Take control of the investment and stay in the driver’s seat. You decide<br />
what the return (growth) on your investment must be, as well as how much<br />
risk you are prepared to take.<br />
Why is the growth on an investment so important? Growth is expressed as a<br />
percentage return on an investment. <strong>The</strong>re are two things that we can do with the<br />
growth.<br />
Firstly reinvest. By following this method we can also say that we compound our<br />
interest or growth.<br />
<strong>The</strong> second option is to take the growth (interest) and enjoy it. It is also known as<br />
simple interest because you do not reinvest your growth on the capital.<br />
By reinvesting the growth on the capital you are compounding it. Let’s look at the<br />
effect different compound growth rates (12%, 100%) will have on your investment<br />
over a period of time.<br />
<strong>The</strong> reason why I take 12% and 100% is to show you the difference between<br />
savings (12%) and investing (100 %+)<br />
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By becoming an investor you must learn how to determine the risk and growth in<br />
an investment, learn different strategies to increase the growth and limit the risk.<br />
At the same time you will have full control of your investment. If you do not get<br />
the results you want, you can apply more effort and time to the investment (in<br />
other words improve the effectiveness of your investment to get the required<br />
results).<br />
If you invest R1000 at different compound growth rates over different periods this<br />
will be the results<br />
Term in years 12% 100%<br />
5 R 7,115 R 62,000<br />
8 R 13,776 R 510,000<br />
9 R 16,549 R 1,022,000<br />
10 R 19,655 R 2,046,000<br />
11 R 23,133 R 4,094,000<br />
Most people are startled when I show them what the difference is between using<br />
a traditional financial institution (saving) and becoming an investor (taking the<br />
responsibility). Over a 10 year period there is a difference of more than<br />
R2 000 000 and over 11 years the difference is more than R4 000 000. That is a<br />
lot of money.<br />
<strong>The</strong> “secret” is to take full control of your investment by becoming an investor.<br />
Unfortunately for most people this is easier said than done, because they were<br />
never taught HOW. Luckily there is an <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong> <strong>Creation</strong><br />
that can help – if you really want help. BUT you have to spend time and effort to<br />
learn to understand and to apply the principles that are incorporated in the<br />
<strong>Amazing</strong> <strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong> <strong>Creation</strong>.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
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In my <strong>Wealth</strong> <strong>Creation</strong> challenge I determined my goal: Turn a R1000 investment<br />
into R10 000 000 capital (Tax Free) I also determined the risk I was prepared to<br />
take and the kind of growth I wanted to achieve my goal. (More than 530%<br />
compounded growth on my R1 000 investment each and every year.)<br />
<strong>The</strong> next step was to break this goal down and determine under optimum<br />
conditions what the growth on my investment had to be over the next five years<br />
in order to reach this goal. (Projected at 531%).<br />
Initial Value R1,000<br />
1 R 6,310<br />
2 R 39,816<br />
3 R 251,239<br />
4 R 1,585,321<br />
5 R 10,003,380<br />
Other factors to take into consideration are Tax, Income and Capital Gains Tax<br />
on each transaction. My goal of R10 million is after all taxes have been paid.<br />
In other words if I could let my R1000 investment grow at 531% MY FIRST<br />
TARGET WOULD BE R6 310 in one year. Remember we are fighting a mindset<br />
here. Is there a voice telling you 531%? Impossible?<br />
Thank the mentor program is having<br />
a major impact on my life, the<br />
foundation has and is being laid, the<br />
road ahead is exiting!<br />
BUT, this does not always work this way in real life.<br />
Don’t be fooled by that voice because over<br />
a period of 40 weeks I have proved you can<br />
achieve far better results than the above<br />
because my 79 cents is worth more than R1<br />
million already.<br />
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Why not?<br />
Life and business are not a 100% predictable. What if I invest a R1000 in one<br />
project and it does not work? I will never achieve my goal. In other words I have<br />
to make provision for the risk factor. I wanted more than one opportunity to make<br />
it. In other words if I could limit my risk to a R100 I would have 10 chances to<br />
start a Direct Response Business. If I could start this investment with less than<br />
R1, I would have 1000 chances to try different business ideas.<br />
<strong>The</strong>re is another reason why there is a difference between theory and practice in<br />
creating wealth. I call it the ceiling of complexity. Contrary to general belief you<br />
do not need money to make money. IN FACT THE MORE MONEY YOU HAVE<br />
THE MORE DIFFICULT IT BECOMES TO LET YOUR MONEY GROW (WORK)<br />
FOR YOU. This phenomenon is explained in my Mentoring course.<br />
So my yearly targets look a bit different.<br />
Term in years Goal<br />
1 R 1,000,000<br />
2 R 3,000,000<br />
3 R 5,000,000<br />
4 R 8,000,000<br />
5 R 10,000,000<br />
One way to overcome the ceiling of complexity is to build systems to make life<br />
easier and manageable.<br />
In my formula for wealth I make use of the symbol m. This symbol represents<br />
effectivity and it represents a formula, in the formula for riches.<br />
m = PT q<br />
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Hannes, thanks to your course,<br />
you have given me the confidence<br />
and knowledge to become<br />
financially independent, and I am<br />
applying the knowledge I have<br />
gained. Your course fees have<br />
been paid over and over again,<br />
and I think you are giving your<br />
students excellent advice and<br />
practical ideas to enrich their lives.<br />
Please keep on doing this<br />
wonderful work! You have really<br />
changed my life!<br />
My curiosity about seminars and<br />
workshops lasted until I saw a small<br />
advertisement of a free seminar in<br />
the news paper by Hannes Dreyer. I<br />
did not Know Hannes; I then went<br />
into his website in preparation for the<br />
seminar. I attended, and my<br />
experience of the seminar was<br />
shocking. To be frank, I got very,<br />
very scared to realize that ignorance<br />
is like a terrible disease that also has<br />
a deleterious effect. On that very day<br />
I made a decision to take the<br />
opportunity that Hannes is capable<br />
of offering, to learn as much as I can<br />
from him. I have attended his<br />
workshop - which I call the master<br />
course because it does not compare<br />
with any other course I ever<br />
attended, well for myself anyway;<br />
……………..If I had not come across<br />
that advertisement in the newspaper,<br />
I would have saved/invested myself<br />
into a hole. My encounter with<br />
Hannes is helping me to manage<br />
and reverse what would otherwise<br />
be suicide in the making.<br />
where P represents physical resources and<br />
include your specific talents and gifts.<br />
<strong>The</strong> T represents technology.<br />
<strong>The</strong> q next to the T represents power of the<br />
technology or system that you are using.<br />
Unless you know how to become extremely<br />
effective in what you are doing, it becomes<br />
difficult to sustain growth over a period of time.<br />
<strong>The</strong> better the systems you build the easier it<br />
will be to sustain growth over a period of time.<br />
In the Mentoring Course I concentrated more on creating systems over a period<br />
of 40 weeks than on any other aspect of building wealth. <strong>The</strong> reason is obvious.<br />
It is easy to make the first million. It will be a different story to maintain this<br />
growth due to the ceiling of complexity unless I have an EFFECTIVE system<br />
(technology) to help me in the process.<br />
Why was it easy for me to turn 79 cents into more than R1 000 000 in less<br />
than 40 weeks?<br />
Because I have studied and applied the<br />
<strong>Amazing</strong> <strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong> <strong>Creation</strong> for<br />
many years. Practice makes perfect. <strong>The</strong><br />
same is true for applying the <strong>Amazing</strong><br />
<strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong> <strong>Creation</strong>.<br />
<strong>The</strong> fact is that you do not need to take risk<br />
to become a <strong>Wealth</strong> Creator. I think this in<br />
itself was the greatest revelation when I<br />
realised that in order to become an<br />
entrepreneur or an investor one need not<br />
take any risk.<br />
You do not need to relinquish surety or take<br />
a chance to become an entrepreneur.<br />
I have done this before and I know that the<br />
<strong>Amazing</strong> <strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong> <strong>Creation</strong><br />
works. So in a way it is easy for me.<br />
My advice to you would be:<br />
Follow the <strong>Amazing</strong> <strong>Wealth</strong> <strong>Creation</strong> <strong><strong>For</strong>mula</strong><br />
by enrolling in my Mentoring Course – You<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
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will be saving yourself valuable time, money and effort in doing so<br />
Otherwise –<br />
Start small, with little risk, grow slowly and learn as you grow, and before you<br />
know the little financial victories will motivate you to keep going and set higher<br />
goals!<br />
Let us return to fundamentals.<br />
In order to become rich what are the steps to take?<br />
Make up your mind if you really want to be wealthy.<br />
Begin by investing in yourself and follow the eight laws. Without these laws it is<br />
difficult to succeed and achieve your goals. I teach the eight laws over a period in<br />
the weekly <strong>Wealth</strong> <strong>Creation</strong> Mentoring Course<br />
Know the application for the formula for riches:<br />
• Use a proven a system.<br />
• You must know how to get a surplus. <strong>The</strong>re are two ways to do it.<br />
o By becoming an entrepreneur<br />
o Through savings (live within your budget)<br />
• Learn how to identify the growth potential of the investment<br />
• Learn how to identify the risk potential in the investment<br />
• Take full responsibility for the risk and growth. To do so, you must learn<br />
how to minimize risk and optimize growth by applying proven<br />
management techniques. Different strategies will be applicable to each<br />
class of investment.<br />
• It will take time and effort to become rich. <strong>The</strong> more time and effort you set<br />
aside for your investment the better the results can be on condition that<br />
you KNOW what you are doing.<br />
• <strong>The</strong> better the system you can incorporate the quicker you will become a<br />
true <strong>Wealth</strong> Creator.<br />
TIP – never split the risk and growth because then you cannot take responsibility<br />
or invest more time and effort to improve your investment.<br />
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Once you know how the formula for riches work and you know how to apply the<br />
different strategies, you will find your investment growing at an incredible rate. At<br />
that stage you must change your strategy and switch financial gears I call this the<br />
“Mercedes Principle”. Unless you know how to implement this strategy you will<br />
find it very difficult to stay rich.<br />
I have just finished watching the<br />
Advance Refresher course for the<br />
second time now. Every time I have<br />
watched it, it inspires me to become<br />
better and better. What have I learnt<br />
from Hannes? Let me quote a<br />
phrase "In any contest between<br />
power and patience, bet on<br />
patience." - W. B. Prescott.<br />
That is why I now fully believe in<br />
investing in yourself.<br />
…………Thank you Hannes for<br />
getting me to think out of that box.<br />
It is simple but not easy.<br />
"<strong>The</strong>re is no road too long to the man who advances deliberately and without undue<br />
haste; there are no honors too distant for the man who prepares himself for them<br />
with patience."<br />
Jean De La BruyèRe<br />
I hope this e-book will motivate you to become a <strong>Wealth</strong> Creator yourself. I often<br />
tell people it is simple to become a <strong>Wealth</strong> Creator but not easy.<br />
Why?<br />
It is simple because there is a proven, working system - if you adhere to it. <strong>The</strong>re<br />
is NO MAGIC. If you follow the system you will get the results. But why is it not<br />
easy? Because it requires persistence. People want quick solutions to their<br />
problems.<br />
Unfortunately real life works differently. You have to invest a lot of time and effort<br />
to learn HOW to do it. And then YOU must take full responsibility for all your<br />
actions and go out and DO IT. Most people will not apply what they know. <strong>The</strong>y<br />
hope and pray but lack the action part.<br />
By applying the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong><br />
<strong>Creation</strong> there are thousands of ways to<br />
generate wealth. I demonstrate it in the<br />
challenge as I have already launched three<br />
businesses and bought two properties – and<br />
over the next twenty weeks I will show my<br />
students how I am going to double the<br />
monthly income in the <strong>Wealth</strong> Challenge.<br />
(Last month the income was R112 000)<br />
To do this I am using 23 years of experience.<br />
I am not going to use my own capital. I<br />
believe that most people will be able to<br />
emulate this (become <strong>Wealth</strong> Creators<br />
themselves) on condition that they invest as<br />
much in themselves first, as I have done.<br />
My hope is that once my students become familiar with sound financial principles<br />
and strategies they will have enough confidence to explore different ways to<br />
become <strong>Wealth</strong> Creators for themselves.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
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Be wary of financial success formulas and secrets. <strong>The</strong>y may require<br />
considerable advice and support and the element of risk may be higher than you<br />
can tolerate at this point in your financial planning.<br />
What is the test to see if these “success formulas” work?<br />
Simply ask the question: Will you depend on someone else for expert advice or<br />
will you take full responsibility for the investment? <strong>The</strong>re is a big difference<br />
between teaching a person how to fish and catching the fish for him and letting<br />
him pay each time he wants to eat.<br />
If you accept responsibility you must answer the following very important<br />
questions:<br />
• Is it possible?<br />
• Can I make it happen?<br />
• Do I have control over it happening?<br />
If your answer to any of the above questions is “no”, there is a 90%<br />
possibility that you will break the formula for wealth creation and the<br />
“success formula” will not work.<br />
<strong>The</strong> main reason why I put the effort into the mentoring program is to teach<br />
people that it is possible for everyone to become a <strong>Wealth</strong> Creator.<br />
Plan your Work and Work your Plan<br />
To achieve the first million I have used a set of what I know as “soft skills”.<br />
Without knowing and applying these skills it would be difficult for anyone<br />
(including myself) to truly become successful. Here are some of the skills that I<br />
teach in the Mentoring Course.<br />
• Effective time management<br />
• Budget<br />
• <strong>The</strong> power of purpose<br />
• <strong>The</strong> art of selling is never to sell<br />
• Goal setting<br />
• Self motivation<br />
• Advertising<br />
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• Marketing strategies<br />
What must you do to become as successful as you aim to be?<br />
"<strong>The</strong> credit belongs to the man who is actually in the arena; whose face is marred by<br />
dust and sweat and blood; who strives valiantly; who errs and comes short again<br />
and again; who knows the great enthusiasms, the great devotions, and spends<br />
himself in a worthy cause; who at the best knows in the end the triumph of high<br />
achievement; and who at the worst, if he fails, at least fails while daring greatly."<br />
<strong>The</strong>odore Roosevelt<br />
No one is going to do it for you. No one is going to take responsibility for your<br />
financial success. You have to do it yourself.<br />
My success is that I am beginning<br />
grow gardens in the desert. No<br />
deals yet, just doing the<br />
impossible. So my success will<br />
take a bit longer as does the<br />
impossible. Yet the taste is so<br />
strong it is as if it is just around the<br />
corner.<br />
Reach for the real life that you<br />
were meant to live. May our<br />
success stories continue to<br />
encourage each other?<br />
I have had the opportunity over the past 23<br />
years to watch many people succeed.<br />
How do they do it? It is not by waking up every<br />
morning with a smile on their faces and<br />
winning attitudes. It is waking up each morning<br />
with a definite plan to achieve success.<br />
Unless you have a plan and work your plan it<br />
is not going to work.<br />
<strong>The</strong>re is nothing that motivates us more than<br />
knowing that we have a way to be successful. Success breeds success. One<br />
little success leads to another. A wise man said; “Inch by inch life’s a cinch, yard<br />
by yard it’s kind of hard.”<br />
Decide on your financial goal.<br />
So here is what you must do right now:<br />
“He who conquers himself is the mightiest warrior..”<br />
-Confucius<br />
Is it your goal to accumulate a few hundred thousand or a million rand?<br />
Be specific about your goal and then write it down on a piece of paper as a way<br />
of committing yourself to the goal.<br />
Set a time when you would like to have your goal achieved.<br />
Try to be as specific as possible and write the achievement date on a piece of<br />
paper below your goal.<br />
Determine the risk you are prepared to take and stick to your decision.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
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......... and most importantly, I have<br />
joined Hannes’ “MENTORSHIP<br />
PROGRAM”: I want to find many<br />
more “gold nuggets” of information<br />
in Hannes’ DYNAMIC LIFE STYLE<br />
MANAGEMENT program, his<br />
EIGHT LAWS OF SUCCESS, his<br />
FORMULA FOR CREATING<br />
RICHES etc., all being covered in<br />
his “MENTORSHIP PROGRAM”<br />
Today I bounce out of bed knowing<br />
that my life will never be the same. I<br />
promised myself a few weeks after<br />
doing the “Property Investment<br />
Basic Course” - “I will never be a<br />
slave to money, to people and to<br />
bad habits.” I am in control of my<br />
own destiny. I will learn, change and<br />
grow where I have to, so that I will<br />
never find myself in the sorry state<br />
of attitude that I was in 6 months<br />
ago.<br />
You too can make a difference to<br />
your own life. I encourage you to do<br />
what many of us have done, and<br />
subscribe to Hannes’<br />
“MENTORSHIP PROGRAM” as<br />
soon as possible. <strong>The</strong>re is no time<br />
like the present. Kill procrastination<br />
(a big stumbling block) and join<br />
today!<br />
Decide on how you will achieve your goal.<br />
If you decide to go the <strong>Wealth</strong> <strong>Creation</strong> route<br />
to begin your wealth-building journey, then<br />
make sure that you have the commitment to<br />
put aside at least two hours a week for your<br />
personal improvement. Visit my website and<br />
find out how to enlist, and then begin.<br />
Imagine the rewards and good feelings that<br />
will come to you as you achieve your financial<br />
goals.<br />
Can you even begin imagining what it would<br />
be like not to worry about trying to earn more<br />
money so that you can pay more bills?<br />
Write down some of the benefits that will<br />
accrue to you and your family as you achieve<br />
your financial goal.<br />
<strong>The</strong> <strong>Wealth</strong> <strong>Creation</strong> Mentor Course is a lot<br />
more than just achieving financial goals. It is<br />
about having a successful, balanced and<br />
fulfilled life.<br />
Many people have put themselves into a<br />
better financial position by following these<br />
simple principles and strategies for <strong>Wealth</strong><br />
<strong>Creation</strong>.<br />
Many more could alleviate their money<br />
problems and worries but do not take the time to learn and follow this proven<br />
strategy.<br />
Please, if you don’t do anything else in your life to increase your financial<br />
prosperity, please do this one simple thing to get from 79 cents to one million in<br />
less than 40 weeks<br />
Tip – Unless you know and apply the laws, principles and strategies I teach in the<br />
<strong>Wealth</strong> <strong>Creation</strong> Mentor Course it will take a lot longer to get up to speed<br />
because you must first understand HOW to apply these different strategies to<br />
your personal situation...<br />
Did you notice the tremendous importance placed on using all your existing<br />
resources? It is simply not possible to learn everything about everything, and you<br />
don’t need to. But it is prudent to be aware of all the resources that are available<br />
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and use them wisely. I give my students access to the same system I have used.<br />
Some may regard it is an unfair advantage.<br />
Most things don’t happen in life, not because we don’t want them to, but because<br />
there is no plan to make them happen!<br />
You must have noticed to plan is an essential step? A plan can be used to<br />
accomplish anything you want to achieve in your life. This is extraordinarily<br />
powerful and yet quite simple to use. <strong>The</strong> full sets of skills are taught in the<br />
<strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong> but what you have learned so far will<br />
take you a long way.<br />
I repeat: my passion is to TEACH people how to become <strong>Wealth</strong> Creators.<br />
I want to make your personal journey as easy as possible. So in the second<br />
chapter I am going to lead you by the hand and show you how to get underway<br />
to create an abundance of wealth for yourself and your family.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
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CHAPTER TWO<br />
How To Become a <strong>Wealth</strong> Creator<br />
Yourself Without Any Risk.<br />
Learn to get more than 1000% growth on your<br />
investment in less than three hours<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
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Don’t take any risks.<br />
In this chapter I want to show you how to help yourself become a <strong>Wealth</strong> Creator<br />
without taking any risks.<br />
I believe the reason not all people are <strong>Wealth</strong> Creators is because we are<br />
financially ignorant and prevent ourselves from having it all. In other words, I<br />
believe the only thing that stands in the way of your becoming whatever you want<br />
to be, is yourself. <strong>The</strong> old you complete with your old habits and old attitudes.<br />
<strong>The</strong> reason it is so hard to get rid of negative forces is that they have become<br />
comfortable to live with. It is easier to say “It is too good to be true” or “it is<br />
impossible”.<br />
It is easier to listen to your friends, family, teachers or boss and do nothing to<br />
take full responsibility for your life and live the kind of life you really want. I know<br />
it is difficult to get rid of these negative forces because you have had them for a<br />
long time. <strong>The</strong>y are part of you. You have accepted them together with all the<br />
nonsensical brainwashing like “I must have money to make money” or “It is<br />
difficult to make money”.<br />
It is for this reason that I took up the 40 week challenge. To prove once and for<br />
all that this attitude is nonsense. You do not need money to make money.<br />
<strong>The</strong> truth is rather: you must not be ignorant in order to make money.<br />
<strong>The</strong> bad part of all this is that you have brainwashed yourself by letting others tell<br />
you what can or can’t be done.<br />
<strong>Wealth</strong> Creators do not accept things the way they “are”. <strong>The</strong>y know they can<br />
have it all and enjoy a life of abundance. <strong>The</strong>y respect others and life. <strong>The</strong>y know<br />
they have the responsibility to make life what it can be and should be.<br />
<strong>Wealth</strong> Creators take action. I have heard people say they “can’t.” <strong>The</strong>y offer<br />
countless excuses. What they really say is they “won’t” because they are not<br />
willing to break out of their comfort zone. <strong>The</strong>y are not prepared to take<br />
responsibility and invest the time and effort needed to get whatever they want.<br />
To become a <strong>Wealth</strong> Creator the only requirement is that you must want to. You<br />
have to be willing to change, to accept the possibility that life could be a lot better<br />
than it currently is.<br />
Once you have decided you want to change and have a life of abundance, then<br />
the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong> <strong>Creation</strong> can guide you to achieve whatever<br />
you dream of.<br />
Do you really want to have it all - or is it only talk<br />
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My passion is to help willing people become <strong>Wealth</strong> Creators. Unless you want<br />
to, I cannot help you. Sometimes people are not ready or sometimes they simply<br />
do not want to change. In that case I cannot help. You are not in that category<br />
otherwise you would not have read this, so I know you want to change.<br />
BUT HOW?<br />
You must take action. Let’s see if you have it in you. If you “pass” I will take you<br />
on the most incredible life changing journey. In fact I am so eager to help you<br />
that I will go out of my way and break all my comfort zones to do so.<br />
Here is what I will do.<br />
A step by step guide to help you to help yourself.<br />
Remember, I started my challenge with only 79 cents.<br />
You have downloaded this e-book and therefore I am prepared to invest in you to<br />
become a <strong>Wealth</strong> Creator. You will receive R10. This is my reward to you for<br />
taking action.<br />
A basic principle in life is that unless one does something, nothing happens.<br />
I could have said that I would take up the challenge - but without action I would<br />
not have converted the 79 cents into more than one million rand. Because you<br />
have shown your willingness to act I want to help you by giving you the first R10<br />
towards becoming a <strong>Wealth</strong> Creator.<br />
You get R10 for just downloading the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong> - but<br />
there is a catch.<br />
If for some reason you have not downloaded the e-book for your own use I want<br />
to urge you to do so now. <strong>Wealth</strong> Creators take responsibility for their lives and<br />
they are prepared to put in the time and effort to achieve their goals.<br />
Here is the first test.<br />
Go to http://www.hannesdreyer.co.za/downloadebook.asp and download the ebook.<br />
May I show you how easy it is to get 1000% return on this investment? You can<br />
only achieve this if you are a <strong>Wealth</strong> Creator. <strong>The</strong> requirement for becoming a<br />
<strong>Wealth</strong> Creator is taking full responsibility for your own life by spending the effort<br />
and time to realize your dreams.<br />
So how can you make your investment grow by 1000%?<br />
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You must make the R10 grow so that it becomes R100. How can you do it? Let<br />
me show you how – but you must do it yourself.<br />
After you have registered go to http://www.hannesdreyer.co.za/questionnaire.asp<br />
and answer ten easy questions. <strong>For</strong> each question you answer correctly another<br />
R10 will be added to your account in a voucher.<br />
Don’t worry if you do not answer all questions correctly, you can go back (<br />
http://www.hannesdreyer.co.za/questionnaire.asp ) and redo the answers until<br />
you get them correct.<br />
Why is this second phase important?<br />
Firstly, I want to see if you really want to do this or if you are just talking. A talker<br />
can’t become a <strong>Wealth</strong> Creator. Only people that take action can.<br />
By now ordinary people have many doubts and find excuses. I know you are not<br />
part of the masses anymore. I know that deep inside your “WEALTH CREATOR”<br />
voice is begging you to give it a go.<br />
Secondly, statistics tells me that the probability is less than 10% that you will<br />
read this book even though you have ordered it. It is shocking statistics and I<br />
want to prove that people who order the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong> <strong>Creation</strong><br />
are above average.<br />
How will I prove this?<br />
Easy. Everyone who downloads the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> must give us their e-mail<br />
address. You log onto the system using the selfsame e-mail address. <strong>The</strong><br />
system immediately “detects” you each and every time you enter the system. So<br />
we built a database of how many people actually download the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong><br />
and how many people register to get the R10.<br />
Once you have registered we will know how many people have read the book,<br />
but I will still not be sure if you are serious about becoming a <strong>Wealth</strong> Creator so<br />
that I can help you – therefore I have set up the next test and that is to “test” if<br />
you have read the material – therefore the ten easy questions.<br />
If you submit the answers, I have it on file and I know that you are a doer and not<br />
a talker – the kind of material that <strong>Wealth</strong> Creators are made of.<br />
So by now, you have R110 in your voucher. I get the information and I can prove<br />
the statistics.<br />
Remember my goal is to share this e-book with 100 000 qualified people before<br />
the 1 st November 2006. <strong>The</strong> only way I can prove that people who read my e-<br />
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ook are serious about becoming <strong>Wealth</strong> Creators is to collect data in this<br />
manner.<br />
What about another 1000% growth on your investment?<br />
I know you are on your way and things will now become a little more intense<br />
because you will have to read the e-book to see how easy it can be. In other<br />
words you will have to take more responsibility, spend more time and it is going<br />
to take a little more effort.<br />
But I know you can do it. Listen to your “<strong>Wealth</strong> Creator Voice”<br />
What is the purpose of the voucher?<br />
I have developed different courses and ways to help people. All of these courses<br />
have a common goal: to teach people how to become <strong>Wealth</strong> Creators.<br />
I will also tell you about “tools” that are available to help you on your journey to<br />
becoming a <strong>Wealth</strong> Creator. <strong>The</strong>se tools are specifically designed to make your<br />
life a lot easier.<br />
<strong>The</strong> purpose of the voucher is to help you to create “funds” so that you can pay<br />
for your education to become a <strong>Wealth</strong> Creator. <strong>The</strong> First Law of a <strong>Wealth</strong><br />
Creator is:<br />
“Invest in yourself before you invest in any investment or business”<br />
Normally it can be costly to “educate” yourself. This means that there is risk<br />
involved. <strong>The</strong> risk is that you may lose your investment. By following my<br />
instruction and doing what <strong>Wealth</strong> Creators do, you will eliminate all financial<br />
risks.<br />
<strong>Wealth</strong> Creators do not take chances and they dislike risks.<br />
By doing it this way you are immediately eliminating risk.<br />
HERE IS THE CATCH<br />
Some services and tools to help you to become a <strong>Wealth</strong> Creator are not free.<br />
You most probably realised as much.<br />
Over the past two decades I have learnt if you really want to help someone you<br />
must allow them help themselves and never give “real” value away. Unless a<br />
person is willing to either put in the time and effort or pay for “real” value he will<br />
never consider it such.<br />
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I also know that you do not want a handout. <strong>The</strong>refore I am rewarding you for the<br />
time and effort you are going to take to help me achieve my goal.<br />
Once you have enough value in your voucher you can cash it in for <strong>Wealth</strong><br />
Creator services or tools.<br />
How do you use your gift voucher?<br />
Use it to purchase tools or services from any of our registered sites. It may even<br />
be redeemed for cash under certain conditions. If you have a purchase in mind,<br />
you can use the voucher number as payment on our supported sites by clicking<br />
here (http://www.giftvoucherserver.co.za/supportedsites.asp). If you prefer cash,<br />
click here (http://www.giftvoucherserver.co.za/Redeem.asp).<br />
Where can you use or tender your voucher as payment?<br />
Your voucher is valid at any of our registered sites, click here<br />
(http://www.giftvoucherserver.co.za/supportedsites.asp) to see the site list.<br />
When does your voucher expire?<br />
Your voucher does not expire. You can even use more than one voucher per<br />
transaction, which means you can save up your vouchers and use them for one<br />
or several transactions.<br />
What happens if you lose your gift voucher!<br />
If you have lost your gift voucher, click here<br />
(http://www.giftvoucherserver.co.za/VoucherInfo.asp), and a replacement will be<br />
sent to you by email.<br />
How can you check the balance and numbers of your gift vouchers?<br />
Click here (http://www.giftvoucherserver.co.za/VoucherInfo.asp) to get a list of<br />
your current valid gift vouchers by email.<br />
Why would I reward you for helping me?<br />
As I have already stated, my first goal is to share my passion with as many<br />
people as possible. If you read some of the success stories in the third chapter,<br />
you will realize where I get my drive and motivation from.<br />
Can you imagine what we would achieve if we help thousands of people become<br />
<strong>Wealth</strong> Creators. What about teaching people the truth about abundance and<br />
that God wants us to live a life of abundance?<br />
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What about telling people about Tomas Malthus and the real reason why people<br />
stay poor and ignorant?<br />
What if we can change thousands of people’s perceptions and they take control<br />
of their financial destiny? What if, because of what we are doing, the world<br />
becomes a better place?<br />
It all begins with a dream. In my case it began on 2 September 2004 with a<br />
challenge that woke me up. I decided to take up the challenge. I am very glad I<br />
not only took it up but decided to share it with as many people as possible.<br />
To have a dream or a goal and do nothing about it is useless. I therefore took up<br />
the challenge. My first goal was to change the 79 cents into R1 million in less<br />
than a year.<br />
I did it in less than 40 weeks – thanks to much grace, an amazing formula and<br />
the help of incredible partners. Without the help of my partners I would never<br />
have done what I did in those 40 weeks.<br />
This experience taught me the value of having the right partners and people.<br />
Without them on board my dream would have been just that: a dream.<br />
Now I am ready to go for the second goal: to seriously help as many people as<br />
possible.<br />
<strong>The</strong>re are two ways I can go about it. I can carry on with what I am doing OR I<br />
can add a new dimension to accelerate the process and perhaps help you help<br />
yourself (and me) by teaching you increasingly more about marketing and the<br />
power of the nm in the <strong><strong>For</strong>mula</strong> for Riches.<br />
<strong>The</strong> nm represents time and effort that gives us effectivity. Effort is defined as<br />
physical resources times<br />
We have the most powerful technology of all time. Never in the known history<br />
have we enhanced the power to communicate in an easy system as we have<br />
built during the last 40 weeks in the <strong>Wealth</strong> <strong>Creation</strong> Mentoring Course .<br />
I am willing to share this technology with you so you can grasp the fundamentals<br />
of creating wealth. I will also give you free access to these systems if you help<br />
me.<br />
If you started from scratch to build the systems like mine that are at your disposal<br />
free of charge and manage your own database, it would cost you more than a<br />
million rand.<br />
IT is yours for free if you help me.<br />
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My next goal.<br />
My next goal is to build a database of more than 100 000 people on the <strong>Wealth</strong><br />
<strong>Creation</strong> database, before the 1 st November 2006.<br />
BUT I need your help – desperately, because I know that it will be impossible<br />
without your help.<br />
Why would I like to build a database of more than 100 000 in less than one year<br />
(Before the 1st November 2006)? We have set up systems to communicate and<br />
educate unlimited numbers of people as long as we use the internet.<br />
Can you imagine what we could do if all people become <strong>Wealth</strong> Creators. <strong>The</strong><br />
opportunities for everyone are endless.<br />
More reasons for needing your help.<br />
<strong>The</strong>re are two kinds of people. Those who have money and those who do not.<br />
Those who have money to pay for the <strong>Wealth</strong> <strong>Creation</strong>s courses, services and<br />
tools do not need to read the rest of this chapter.<br />
If, however, you are not in this position – yet – I would suggest that you read the<br />
remainder of this section as it may help you.<br />
Not everyone who wants to learn how to become <strong>Wealth</strong> Creators will have the<br />
funds to pay for the courses, services and tools that can help them to achieve<br />
their goal. BUT everyone has the time, energy, initiative and ability. If you spend<br />
your time and energy in order to help me then I will reward you, on condition<br />
that you spend your reward to improve yourself by becoming a <strong>Wealth</strong> Creator.<br />
You can help me with my marketing. To get a product or idea out to the masses<br />
costs a lot of money. I have an accurate record keeping system so I can tell what<br />
the advertising cost is of each service, product, or course that I present.<br />
I would “pay” you rather than some of the national newspapers and advertising<br />
houses. In fact, I have learned that word of mouth is a lot more effective than any<br />
other marketing or advertising.<br />
I will pay you by voucher.<br />
In the process I want to teach you how to create your own database and how to<br />
“mine” this database in order to create a passive income.<br />
<strong>The</strong> difference between a passive income and an active income is that you do<br />
not have to work for your money if you have a passive income. With a passive<br />
income your money works for you.<br />
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<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong> gives you a wonderful opportunity to<br />
learn how to become <strong>Wealth</strong> Creators and it shares age-old truths with you about<br />
wealth and abundance without taking any risk.<br />
I want to give all people the opportunity to learn the secrets of the <strong>Wealth</strong><br />
Creators on condition that they help me. So no-one will have any excuse not to.<br />
This brings me to the next point.<br />
As a <strong>Wealth</strong> Creator I do not like risk. I want to eliminate risk. It is risk that kills<br />
any investment or business opportunity. One of the risks that people take is<br />
financial risk. <strong>The</strong>y pay for something or an idea. If the idea, business or<br />
investment does not work they will lose their money. This is called a financial risk<br />
and is a very real risk.<br />
<strong>The</strong> trick then is to position yourself in such a way that no matter what happens<br />
you cannot lose financially. If whatever venture you get yourself into fails, you<br />
must not lose your capital.<br />
If you can “create” capital by investing in yourself or by adding value to someone<br />
else by investing time and effort you will minimize the financial risk.<br />
I do not want you to take any risks you cannot afford in the process of becoming<br />
a <strong>Wealth</strong> Creator. This revolutionary marketing system has been developed to<br />
get you to help yourself.<br />
We spent many hours and much money developing a system - the first of its kind<br />
in the world - to help as many people as possible become <strong>Wealth</strong> Creators. You<br />
will learn more about this system later in this book.<br />
Most people do not know what an investment is and what the difference between<br />
investing and savings is. If you cannot determine the risk and the growth<br />
potential in any investment, and you cannot take full responsibility for managing<br />
the risk and growth and then you are a saver – you are saving your money.<br />
If you can determine the risk and growth and have different strategies to lower<br />
the risk and increase the growth on your investment by spending time and effort<br />
as explained in the formula for riches, you are on your way to becoming a <strong>Wealth</strong><br />
Creator.<br />
Of course I teach these principles as well as how to apply them in the <strong>Wealth</strong><br />
<strong>Creation</strong> Mentoring Course.<br />
I want to give you the opportunity to get hands on experience of becoming an<br />
investor by allowing you access to a system which will guide you to becoming a<br />
<strong>Wealth</strong> Creator.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
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If you have a credit on your voucher you can use it to pay for any of the services,<br />
courses or tools my group provides in helping people to become <strong>Wealth</strong><br />
Creators.<br />
How can you increase the value of your voucher?<br />
If you are the FIRST person to refer someone to our referral website (without<br />
spamming) to download the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong> <strong>Creation</strong>, then that<br />
person will be allocated as your referral after he has downloaded the e-book or<br />
subscribed to any of our services.<br />
<strong>The</strong> only way we can keep track of who you refer to us is if you use our referral<br />
server.<br />
How does the referral server work?<br />
You will be directed to a page that looks like this:<br />
Refer a Friend<br />
Person Referred<br />
Name<br />
Email<br />
E- MAIL ADRESS<br />
Website Referred Select a Website to refer<br />
Clear Values<br />
You type in the name and e-mail address of the person you want to refer. You<br />
will also have the option to “select” the service or website.<br />
Once you are sure about the details of the person and his e-mail address you will<br />
click the Make Referral button once.<br />
Please wait till a message appears in the bottom text box that says<br />
If you receive this message your referral has been successful! You may continue<br />
with the next one.<br />
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You can send the referral to the next person.<br />
We are working on being able to “import” your database if you have more than<br />
one person – but for the testing phase this will not be activated.<br />
Please take note – because we are working from a referral service – no<br />
spamming is allowed and we will monitor the process.<br />
<strong>The</strong> auto responder will send out an e-mail to the person you referred from the<br />
referral server with different messages – depending on the service or website<br />
you refer. <strong>The</strong>se messages can be updated.<br />
If you send them an e-mail to introduce them to the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong><br />
<strong>Creation</strong> your referral will receive an e-mail.<br />
In the “from box” your name will appear<br />
In the Subjects box they will see “Download your e-book “<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong><br />
for <strong>Wealth</strong> <strong>Creation</strong>”<br />
And in the text<br />
Dear “NAME OF REFERRED”<br />
“I thought <strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong> <strong>Creation</strong> may be<br />
of interest to you.<br />
This e-book is mind-boggling and the author – Dr Hannes<br />
Dreyer - shares his experience of how he turned a 79 cent<br />
investment into more than R1 016 000 in less than 40 weeks<br />
by using the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong> <strong>Creation</strong>.<br />
I know it sounds too good to be true, but I promise you<br />
will kick yourself (and me) if you don’t just take a look.<br />
Hannes is passionate about teaching people become <strong>Wealth</strong><br />
Creators. He shares the most amazing truths about building<br />
wealth and living a life of abundance in this incredible<br />
book.<br />
He has done his doctoral thesis on “Applying the formula<br />
for <strong>Wealth</strong> <strong>Creation</strong> to Develop Entrepreneurs and Investors”<br />
and his Masters on “Residential Property as an Investment<br />
strategy”.<br />
As he says “All the knowledge in the world is useless<br />
information if you cannot apply it”<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
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Not only does he show you how he did it but he demonstrates<br />
a very practical way how you can learn to become a <strong>Wealth</strong><br />
Creator Yourself - without taking any risks.<br />
His definition of a <strong>Wealth</strong> Creator is:<br />
A <strong>Wealth</strong> Creator is a person who knows how to let his or<br />
her talents, time and money work for him or her, to create,<br />
preserve and transfer wealth in order to have a life of<br />
abundance.<br />
But I must warn you – he will also tell you to take full<br />
responsibility yourself for becoming A <strong>Wealth</strong> Creator.<br />
<strong>The</strong>re is no quick fix solution.<br />
I would not send you this e-mail if I did not think that<br />
you can benefit from at least reading the e-book.<br />
Hope you enjoy it as much as I did<br />
Regards<br />
“YOUR NAME”<br />
PS Read some of the success stories people have written<br />
about this <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> and how it has changed their<br />
lives in the third chapter of the book.<br />
PPS Hannes has built a system to help you achieve your<br />
goals and he will actually pay you to learn to become a<br />
wealth creator yourself – enjoy the second chapter in the<br />
book.<br />
----------------------------------------------------<br />
If you do not want to receive these referrals go to the<br />
following website www.referralserver.co.za and click on<br />
misuse.<br />
Kind Regards<br />
Referral Server Support<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
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What is the referral server?<br />
<strong>The</strong> referral server gives you the opportunity to refer a friend to a site of interest<br />
and at the same time earn referral fees for making these referrals.<br />
How do I refer a friend?<br />
In order to make use of the referral server you need to register by clicking here<br />
(http://www.referralserver.co.za/Register.asp).<br />
This registration is free of charge and anyone can register at any time.<br />
Once your have registered you will receive your login name and password by<br />
email. You will then be able to refer your friends to services, tools or websites<br />
they may find interesting.<br />
You do not have to have a website to make use of this service BUT you must<br />
have access to the internet and have an e-mail address.<br />
How do you earn referral fees?<br />
Every website or service owner specifies the referral fee to be paid, in the form of<br />
a voucher, for every registration on his website.<br />
Once you have referred a friend and he or she has registered at the specified<br />
site, or has downloaded the e-book, you will receive a voucher by email. This<br />
voucher can be used at any of the websites specified by the website owner at<br />
www.giftvoucherserver.co.za.<br />
How do you protect your friends and yourself from spam?<br />
Although we encourage referrals, we urge everyone who uses this service to only<br />
refer a person who will find the website, services or tools promoted of interest.<br />
Since we want to prevent this service from being used for spam we have<br />
included an option where the person who made the referral can be reported for<br />
abuse. Click here (http://www.referralserver.co.za/Misuse.asp) to read more<br />
about the abuse service and how it protects you and your friends.<br />
Furthermore, anyone who does not want to receive any referrals can specify this<br />
on our exclusion list.<br />
How much will you receive if you refer a friend to download the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong><br />
for <strong>Wealth</strong> <strong>Creation</strong>?<br />
You will receive a R10 voucher for every person you refer and that successfully<br />
subscribes to the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong>.<br />
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To qualify for this additional R10 per person referred to us, there are four<br />
conditions.<br />
1. You must be registered on the referral server.<br />
2. You must be the first person to refer the person via our referral server to<br />
the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong> <strong>Creation</strong>.<br />
3. <strong>The</strong> person must actually download the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> in order for you<br />
to qualify for the R10 voucher or any of our other services.<br />
4. You must not use spam to let people know about the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong>.<br />
This is all you do. Afterwards once the person you referred is activated you will<br />
be informed how much your voucher is worth as well as which services you can<br />
pay for with your voucher.<br />
Let’s look at a practical example.<br />
On the Referral Server I direct you to download the e-book the <strong>Amazing</strong> <strong><strong>For</strong>mula</strong><br />
for <strong>Wealth</strong> <strong>Creation</strong>. <strong>The</strong> moment you download the e-book the Referral Server<br />
tells the Gift Voucher Server to issue me with a voucher for R10. <strong>The</strong> Gift<br />
Voucher Server creates a voucher and by Auto Responder sends a note to me to<br />
inform me you have downloaded the e-book. <strong>The</strong>n R10 will be added to my<br />
voucher.<br />
At the same time you will receive an e-mail thanking you for downloading the ebook<br />
and telling you about the R10 voucher (with a reference number) you are<br />
entitled to because you have downloaded the-book. <strong>The</strong> e-mail will prompt you to<br />
complete the questionnaire to add another R100 to your voucher.<br />
All of this is done with no-one interfering. Because the process is automatic we<br />
cannot run into a ceiling of performance or a ceiling of complexity. If one person<br />
makes use of the service the system can handle it. If a million people make use<br />
of the system at the same time it can still handle it if we have enough bandwidth<br />
to handle the traffic.<br />
In this way we not only solved a problem, we opened a host of new opportunities.<br />
What if I use the system to market other services? In other words if the referral<br />
service tells you about this wonderful opportunity to learn how to get 200%<br />
growth on your property investments and you attend the One day Property<br />
Investment Workshop?<br />
<strong>The</strong> Referral Server will pick it up and inform the Gift Voucher Server that you<br />
have attended and that I have referred you (the e-mail unique to you). If there is<br />
an agreement between the service provider and the Referral Server the Referral<br />
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Server will instruct the Gift Voucher Server to issue me with a referral fee. I will<br />
receive an e-mail that you have attended and paid for the one day workshop and<br />
because I have referred you I am entitled to R500. This R500 will be added to my<br />
name on a voucher. I can redeem the voucher on any of the services on the<br />
referral (and voucher) system.<br />
This opens up endless opportunities and I will soon tell you more about them but<br />
for today it is important that you register on the Referral Server (if you are not on<br />
it already) and start referring all the people you can, to download “<strong>The</strong> <strong>Amazing</strong><br />
<strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong>” e-book.<br />
If the person you refer is already on the system the Referral Server will notify you<br />
that you are not entitled to any referral fees on that specific person (as someone<br />
else referred him already). You simply move on to the next name.<br />
Why is it important to refer your people as soon as possible? If you are the first<br />
person and your referral downloads the e-book OR MAKE USE OF ANY OF THE<br />
OTHER SERVICES ON THE REFERRAL SYSTEM the system will pick it up and<br />
allocate whatever referral fee there is on that specific product to you.<br />
Please make sure that you read the Terms and Conditions on the Referral Server<br />
and the Gift Voucher Server.<br />
AT THIS STAGE YOU CAN ONLY REDEEM YOUR VOUCHER TO IMPROVE<br />
YOUR EDUCATION TO BECOME A WEALTH CREATOR.<br />
Exception to the rule<br />
YOU CANNOT GET A REFERAL FEE ON YOURSELF OR YOUR DIRECT<br />
FAMILY (Husband - Wife)<br />
If you are the first to refer a person (without spam) and the person make use of<br />
the following services we offer, you will get the following referral fees via the Gift<br />
Voucher server.<br />
My goal is to build a data base of 100 000 people quickly with this system.<br />
It will not be possible unless I use the power of PT q in the effectiveness formula.<br />
Because we developed a system to increase the T q it is not only possible to<br />
increase the data base drastically but also to add a lot of value to every one that<br />
joins by referring people to the referral server.<br />
To accelerate the “P” in the formula we will freely make our system available to<br />
any person who wants to refer us.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
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WHAT IF YOU ARE A WEBSITE OWNER?<br />
If you register as a website owner on our referral server you can also issue<br />
vouchers and make use of our state of the art referral system.<br />
Here are some of the questions that you may have- and answers.<br />
How do I start to issue gift vouchers?<br />
All electronic gift vouchers are controlled from one single point and once you<br />
have registered here (http://www.giftvoucherserver.co.za/register.asp), you can t<br />
issue your gift vouchers.<br />
How much does this service cost?<br />
<strong>The</strong> amount of vouchers you would like to purchase is unlimited and a 10%<br />
service fee is charged on each issued voucher.<br />
Can I see the amount of gift vouchers issued for my site?<br />
Since you are registered on our site, you can simply log in here<br />
(http://www.giftvoucherserver.co.za/login.asp) and view the amount of gift<br />
vouchers issued.<br />
How do I pay for the gift vouchers that I want to issue on my site?<br />
You can make a direct deposit into the www.giftvoucherserver.co.za account and<br />
this amount can be used to issue gift vouchers to the respective values of your<br />
choice.<br />
WHAT ABOUT THE REFERRAL SERVER FOR THE WEBSITE OWNER?<br />
How will the referral server benefit me?<br />
<strong>The</strong> referral server encourages users to refer sites to their friends and,<br />
specifically, sites that would be of interest to them which makes this service a<br />
powerful marketing tool. If the Website owner is on the <strong>Wealth</strong> <strong>Creation</strong><br />
Mentoring Course they will have the added benefit to learn during this course<br />
how I used the Internet to set up a passive income of more than R3 million in the<br />
first year of operation.<br />
How can I get my clients to refer my website to their friends too?<br />
Firstly, you need to set up an agreement for your website on the<br />
www.giftvoucherserver.co.za. Once this agreement is in place, anyone who is<br />
registered at www.referralserver.co.za can make a referral to your site.<br />
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How much does this service cost?<br />
You are only charged for actual referrals made to your site, 20c is payable for<br />
each successful referral.<br />
How will I know what has been referred?<br />
<strong>The</strong> referral server keeps track of every successful referral and you can view this<br />
by logging in here (http://www.referralserver.co.za).<br />
How do I pay for the referrals that were made to my site?<br />
You can make a direct deposit into the www.giftvoucherserver.co.za account and<br />
you will also be notified of your balance at the end of each month.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
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SERVICES AVAILABLE<br />
Here is a list of services and tools that are available in order to help people to<br />
become <strong>Wealth</strong> Creators.<br />
You will receive a referral fee (voucher) if the person that you referred (and who<br />
is linked to you) makes use of the service.<br />
Downloads the e-book <strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong>. R10<br />
Attends and pays for the Property Pro one day Investment Workshop. R500<br />
Buys the Property Pro Beginners Course Audio CD’s. R60<br />
Buys the Advance Course DVD’s (after attending the Property Pro<br />
one day Investment Workshop).<br />
Attends and pays for the Powermorphing Workshop (you yourself<br />
must be a fully paid up member).<br />
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R125<br />
R500<br />
Attends and pays for the Financial Breakthrough Workshop. R1 180<br />
Buys the Trust Course DVD’s. R125<br />
Subscribes to the monthly Mentoring Program (as a paying member). R100 p/m<br />
**** Other services will soon be activated
You yourself can get vouchers for:<br />
<strong>The</strong> first time you download the e-book R10<br />
<strong>The</strong> first time you complete the questionnaire on the e-book. R100<br />
**** Other services will soon be activated<br />
**** Will be activated shortly.<br />
NB If you are the first person to refer a friend and the friend “accepts” and<br />
comes up as your referral you will receive the referral fee – whenever<br />
he/she makes use of any of the services.<br />
<strong>The</strong> only condition is that you did not spam them.<br />
NEW SERVICES WILL BE ADDED ON A REGULAR BASIS AND YOU WILL BE<br />
INFORMED PER E-MAIL OF ALL SERVICES AS WELL AS WHAT THE<br />
REFERRAL FEE WILL BE.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Page 94
CHAPTER THREE<br />
<strong>The</strong> stories behind the real story<br />
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Page 95
Here are the stories as I have received them<br />
Hello Hannes<br />
My success story is summed up as follows:<br />
My name is Santosh T. Balgobind , 48 years old at 8am on 19 April 2005.<br />
At 5pm on 19 April 2005 I became Santosh T. Balgobind, 28 years old.<br />
If you want to know how this has happened to me then please read on.<br />
I have been running my own business for the past 26 years, seen the ups and<br />
downs of economic cycles, political changes booms and busts.<br />
In the past few years I became disillusioned with the way things were heading<br />
with regard the economic situation, political and labour regulations. My mind<br />
stopped thinking and my outlook was getting negative and my enthusiasm was<br />
getting lower and lower.<br />
I knew that something had to be done to correct the situation.<br />
One morning while reading the newspaper I noticed Hannes Dreyer's advert<br />
about wealth creation through property. I got very curious and decided to make<br />
some phone calls regarding price and content of workshop.<br />
At first I thought that the price was a bit too high for a one day workshop but on<br />
further analysis I decided to give it a shot. My thinking at the time was that if I<br />
could learn just one thing that can improve my life that it would have been worth<br />
it.<br />
I phoned and booked 2 seats, the other seat was for my wife, you know she is<br />
my backbone and I don’t think that I could have stayed from 8 to 5 without seeing<br />
her.<br />
I will not say much about the workshop because you have to attend one to really<br />
get the feel and emotional enlistment that comes from attending the workshop.<br />
I would just like to say that at 5 pm when I came out of there I was totally<br />
transformed and felt 20 years younger.<br />
My mind had grown younger, if there is such a thing like that.<br />
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It is not so much in the facts being presented as I am sure many of us know them<br />
already, but it is in the way it is presented and presented in a passionate and<br />
realistic way that really got to me.<br />
I have a degree in commerce and I have read for 4years towards my Master of<br />
Business Leadership Degree, so my business knowledge coupled with my<br />
business experience is above average, and still I missed out on so many things<br />
in the last 26 years.<br />
My brain woke up from a long sleep and I began to look at life and even my own<br />
business differently, if fact I look at everything differently.<br />
I now think in terms of IRR, am more positive, more enthusiastic, take action,<br />
responsibility and calculated risks.<br />
All this by just attending Hannes Dreyer’s ,One Day Life Changing, Grow<br />
Younger, Get Energized, Live Happily, Keep Fit, Make More Money, Workshop.<br />
In fact I cannot thank Hannes Dreyer enough.<br />
I have a vacant piece of land which was idle for the past 18 years, paying rates,<br />
etc of R8000 per year.<br />
Within 2 weeks of attending the workshop I was getting R4000 per month from<br />
that very same piece of land.<br />
This first month’s rental paid the cost of my whole workshop.<br />
This is why I say the cost may seem high but in real terms it is priceless.<br />
Hannes is one powerful person who is willing to share his experience and<br />
knowledge with others. You must have an open mind and be willing to learn and<br />
experiment with new ways and ideas.<br />
I also got the CD and am on the mentoring course, there is no end to learning.<br />
It’s been only 4 month after the workshop and must say that the principles and<br />
teachings do not only apply to property, in fact it is more applicable to business<br />
and even to households.<br />
I have since expanded my business with more than R1 million in investments in<br />
machinery, opened 2 companies, with the intention of starting another business<br />
related to my current field.<br />
<strong>The</strong> other benefits of attending the workshop are:<br />
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Page 97
It made me a more relaxed person, I come to a conclusion after doing my<br />
calculations and If something don’t work out I don’t worry because I know I did<br />
my calculations first.<br />
My relationship and interaction with others have improved, I even read some<br />
parts of the newspaper which I never looked at before, looking for bargains and<br />
motivated sellers.<br />
I wish I met Hannes much earlier and would have taken advantage of all the lost<br />
opportunities that I can recall.<br />
So if you want to grow younger then don’t wait book for the next available<br />
workshop and get on the road to happiness.<br />
His teachings can be applied to all walks of life and to all types of businesses and<br />
to Hannes I would like to say thanks again for giving me back 20 years of my life.<br />
Regards<br />
Santosh T. Balgobind<br />
Friday, September 30, 2005 Santosh Balgobind<br />
Success is the maximum utilization of the ability that you have<br />
Zig Ziglar.<br />
<strong>The</strong> Zeroth Law Started for us when I was retrenched in 1998. Our whole out<br />
look on life changed and we decided to not be slaves anymore. This was the best<br />
thing that ever happened to me - losing my job.<br />
<strong>The</strong> 1st law then followed and we stared investing in ourselves. <strong>The</strong> first book<br />
that really changed our lives was "<strong>The</strong> richest man in Babylon" by George S<br />
Clason. His principles are priceless. We bought Robert Kiyosaki’s and Dolf de<br />
Roos`s books and studied them. We worked through Stephen Covey’s "Seven<br />
habits of highly effective people" and many many more. We started setting goals<br />
and thinking differently. We stopped just existing.<br />
We started investigating ways to make residual income and started a business in<br />
web hosting and network marketing.<br />
We were interested in the property market but we were unfamiliar with it and<br />
therefore scared. We still had to learn to surround ourselves with people that<br />
were like minded and people who had the knowledge of the things we wanted to<br />
learn about. Finally in 2001 in took the plunge and bought 4 properties in a CC.<br />
We had some spreadsheet that we used to base our decision on, but now in hind<br />
site we were very lucky.<br />
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Page 98
We had not done our homework around financial structures and although we<br />
thought we new what the risk and growth were we certainly did not take<br />
everything into consideration.<br />
We lived abroad for 3 years and when we returned I was told about your property<br />
workshop by a friend who had attended.<br />
I took the plunge and I am so grateful that I did.<br />
With your seven laws of property investment you confirmed what we had learnt<br />
about personal growth and development, you confirmed what we learned through<br />
our first properties that this was a great way of building wealth and you did a<br />
whole lot more than that, you showed me a way to REALLY determine the<br />
growth and risk and gave me a way to take the emotion out of the deal. I want to<br />
thank you from the bottom of my heart for being the sharing person that you are<br />
and for sharing this wealth of information with me.<br />
After attending your workshop and buying the software things changed even<br />
more for us. We now have more confidence in what we do and know the right<br />
questions to ask. We have taken control. We started building a network of people<br />
around us to assist us with the right financial structures, we found a lawyer that<br />
invests in property and before we chose we spoke to at least 3 of 4 people. We<br />
never do any business with people who do not do the same as we intend to do.<br />
This has proven to be so valuable.<br />
We have bought 3 properties this year which are in a positive cash flow from the<br />
word go. And just last week we bought our first “corporate” property. This is so<br />
exciting and ALL made so much easier because of the information you have<br />
shared. Thank you for giving our decision of 1998 to become independent wings.<br />
Kind regards. Anne-Marie Sevenster.<br />
Friday, September 30, 2005 Anne-Marie Sevenster<br />
Koetoe and Marlene’s story (Submitted 30 September 2005)<br />
Marlene and Koetoe met in 1986, Koetoe finishing his military service and<br />
Marlene busy with her studies in science.<br />
We had a few things in common – having a passion for passion, humble and<br />
simple people, compulsively success driven, love for sport and nature (she into<br />
the elements of water and he preferring earth [bushveld]), and finally a shared<br />
deeper sense and search for the meaning” of life and being ness. Most important<br />
– back then and still today, we had dreams (small ones, big ones, private ones,<br />
impossible ones, realistic ones!). As self-starters and students, we also knew the<br />
stress of financial shortcomings and still remember fondly the days when we<br />
could not afford to buy a Coca Cola or a birthday present!<br />
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By the time we got married in 1994, Marlene with a doctorate in science and<br />
Koetoe with newly acquired entrepreneurial and business skills; we choose to<br />
believe that the galaxy’s ever-expanding ends are the accepted limit in potential<br />
and growth. (Energy can be transformed, focused or changed, but never<br />
destroyed…..). We looked forward to a future of abundance, love, commitment,<br />
and personal and professional growth. Being both success driven, we found<br />
resolve in the Dale Carnegie’s, Steven Cowie’s, Edward de Bono and Marlene<br />
even more in the more spiritual John Kehoe’s and As Man Thinketh. But still, one<br />
glaring gap, one big missing ness from it all – being able to tie everything in our<br />
lives into one harmonious “WHOLE”, which will relate and connect our jobs, our<br />
thinking, our lifestyles with financial and personal well-being. We argued that<br />
certainly tings so important and inter-related cannot stand separately and in<br />
isolation from one another?<br />
To make for even more interesting background, we both come from families with<br />
strong tradition and a ‘right’ way of doing things, a source of great strength and<br />
belonging but also great frustration to move out of the box and the conventional<br />
thinking! Hence, we “invested” in our future by finding secure jobs, practice the<br />
‘kids-thing’ with our pet dogs, saving up a bit, buying a home (unknowingly our<br />
first investment in 1995), provided handsomely in a pension fund and balanced<br />
the whole lot with some annuities and investments on a market with medium to<br />
low risks. Yet, Marlene’s strong intuition (being aquariun born) and Koetoe’s<br />
business and market trend interests indicated strongly to look else ware as well,<br />
as we were missing “stuff”. We required a more focused approach, more clarity<br />
on our life plan and maturity in our decision-making. We were “collecting”, but<br />
with no clear benchmark on how well we are doing, whether we are doing<br />
anything right anyway and why exactly are we doing the things we are doing!<br />
In mid 2003, we attended the first Hannes Dreyer seminar and things “clicked”!<br />
....if you’ve ever read “Faith Popcorn”, you will know that “clicking” means to<br />
suddenly become clear or intelligible, in slang language it means to make a hit or<br />
to score. It is like snapping your fingers and everybody becomes alert and aware<br />
and pays attention! Basically, clicking occurs when all the pieces comes together<br />
to make a wonderful clear sensible WHOLE. Anyway, Hannes’s first seminar<br />
inspired to such an extent that Koetoe subscribed for the Introduction Course in<br />
Property, went home and shared the new info with Marlene. From that we have<br />
learned valuable lessons in applying our knowledge, being practical about it and<br />
putting/maintaining things in perspective. We also were confident to such an<br />
extent that we had Marlene’s provident monies paid out and we bought our first<br />
property in 2003. Koetoe continued with the more advanced programmes offered<br />
by Hannes Dreyer and spend his free time on his Mentoring Program and<br />
software applications to which he subscribed. Subsequently, we bought six more<br />
properties during 2003 to 2005 (most recently 3 weeks ago), and the excitement<br />
grew with each investment. Above all, we found new depth in our communication<br />
after 10 years of marriage, while constantly and consciously growing in<br />
commitment to each other and our future, with amazing spin-offs in terms of our<br />
mutual respect for each other’s support, courage and trust. Our 1995 3-bedroom<br />
house have become inadequate to our new family (three kids, 2 great Danes, a<br />
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live-in mom/dad and various others!), hence we are now planning our dream<br />
home with a greenbelt valley view and a serene energy to balance our busy<br />
lifestyles. We feel that we deserve this, and in hindsight – we are extremely<br />
grateful and proud that we “hanged in” during our wealth creation implementation<br />
phase. We are 37 and 38 years old, and happy with who we are and how we<br />
contribute to earth and our society.<br />
Not only have we gained much in equity and Rand worth, but our spiritual journey<br />
and personal growth has been steady and satisfying – making for a total wealth<br />
richness that we believe is one of our major life’s work achievements. It is<br />
rewarding so measure our asset value from the day we married (R 18 000) to<br />
what we are worth on paper today (R8.7 million). One of the most enriching<br />
decisions we took, was to adopt the little girl who has been living on/off in our<br />
home since she was 3 years old. Today, she is 13 – physically a beautiful and<br />
balanced young woman, a leader at school excelling in academics, music and<br />
singing. What a privilege it was to have made a contribution to such a young life<br />
and clearly special spirit! In addition, her brothers of two and four just adore her.<br />
<strong>The</strong>y have added a total new meaning and dimension to our life and rates<br />
highest on our list of blessings. Finally yet importantly, Koetoe increased his<br />
shareholding in his company, with the cash created from our ventures – and the<br />
business transformed from an R 24 million turnovers to an R 300 million turnover<br />
in 3 years. Marlene, being a scientist at heart, but trapped in the corporate<br />
environment of meetings, profiling, who is who, and too much politics and<br />
administration made the BIG decision: to start her own business in the field she<br />
enjoys most – sewage and water (one of her true passions in life), also funded<br />
from the same wealth creation pot. O yes – allow us to mention one more great<br />
thing that happened: from 1997 – 2005, we’ve been all over the world and we’ve<br />
seen the best of Europe, US, Thailand, Japan, Vietnam, Amazon, Greek islands,<br />
Mexico, Mauritius and some others. Koetoe created these for us through his<br />
incentive achievements within his Company. <strong>The</strong> best place on earth still remains<br />
our Africa, and specifically South Africa – our first country and home of choice!<br />
We understand our shortcomings better than ever, and face some new<br />
challenges and set new work plans for 2006 - one of them our physical wellbeing<br />
and fitness and to provide better for our parents. Koetoe dreams about his<br />
light aircraft pilot license and Marlene about her new business and mastering<br />
some basic cooking skills (she is a terrible cook!). Looking back, our life has<br />
been about constant learning, forgiving ourselves for our mistakes and not take<br />
them too seriously, and appreciating the great highlights and constant small<br />
successes. We are happy to have chosen Hannes Dreyer as one of our mentors<br />
and guru’s (if you like) – and it worked for us. Of course, we will see you at Le<br />
Cononnier-Mauritius and look forward meeting ye-all!<br />
Kind regards<br />
Koetoe Botha and Marlene vd Merwe-Botha<br />
Friday, September 30, 2005 Koetoe Botha<br />
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<strong>The</strong> greatest things are accomplished by individual people, not by<br />
committees or companies<br />
Alfred A Montapert.<br />
I attended the property course in Durban on 20th August 2005, and WOW has it<br />
changed my families and my life.<br />
Firstly I signed up for the mentoring course and then started thinking `out of the<br />
box` due to the challenges that Hannes set in the weekly articles. My youngest<br />
son has altered his life completely - he is also thinking `out of the box`. We have<br />
been so contained in a mundane life for so long that it is unbelievable that we<br />
never did anything before. Whenever the family is together (as my sons don’t live<br />
at home) we have brain storming sessions going on all the time, motivating each<br />
other, getting new ideas and generally being positive. <strong>The</strong> family ties have<br />
become stronger and everybody, my wife and my two boys have interacted<br />
better and work as a cohesive unit. We now have friends looking at us strangely<br />
and thinking we have gone completely mad with all the `out the box` thinking. So,<br />
from a family perspective, we have definitely found a deeper love and bond for<br />
each other.<br />
We have also started investing in ourselves in terms of education. Motivational,<br />
inspirational, entrepreneurial and finance books are being read around the family<br />
with books being passed on from member to member. At the moment the books<br />
cannot be read fast enough and there is always somebody waiting for the book<br />
you are busy with. <strong>The</strong> whole family now has their own copy of Rich Dad Poor<br />
Dad. We have discovered that we really need to understand our finances better<br />
and to also understand property and shares a whole lot better. We have been<br />
looking for property opportunities, however we have not found one yet. This is<br />
just a matter of time as we are learning. We have visited auctions, spoken to<br />
estate agents, spoken to banks about our ideas and also done vast amounts of<br />
research on the internet. This is our investment in ourselves. By the way we<br />
already have two free properties bringing in a nice income which were purchased<br />
3 years ago.<br />
We are already in the process of starting 4 business opportunities. Two of them<br />
will be on the internet which will be costing us nothing as we have offered a split<br />
on profits to a web developer. <strong>The</strong> first one is being launched as we speak, and<br />
the second one will be dealt with shortly. One of the other businesses involves<br />
the selling of products. <strong>The</strong>se products are being sourced locally as well as from<br />
India and China. <strong>The</strong> products from India and China are made from components<br />
manufactured in South Africa that are exported from South Africa to India and<br />
China and the local factory making the components is prepared to import the<br />
completed products back into South Africa to promote their production facility.<br />
<strong>The</strong>y have approached us to just sell the products locally with them doing all the<br />
importing, exporting and storage at no cost to ourselves. This business will<br />
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probably start up in the next month or two. <strong>The</strong> next business is for the<br />
manufacture of a product that we have designed locally. This product will take<br />
some time to launch due to the complexity of manufacture. We might need a<br />
partner to assist us in this regard as it is manufactured from aluminum which is<br />
quite difficult to work with. Maybe we will get an investor interested and take it<br />
from there - anybody interested? This has been or process to accumulate<br />
passive income.<br />
To sum up - we have had a huge change in our lives in just 5 weeks. I need to<br />
thank a good friend of mine most sincerely as he asked me to join him on 20th<br />
August 2005 in Durban to listen to Hannes. Oh by the way, we have taken a<br />
huge turnaround in our IT business that we run which should start reaping<br />
benefits in about a years time.<br />
Cheers for now - it has been wonderful writing this article and I could go on a lot<br />
longer.<br />
Friday, September 30, 2005 Dave Griffin<br />
My suksesstorie<br />
My storie is nog ver van sy laaste hoofstuk, maar ek glo dat dit die moeite werd is<br />
om dit te vertel tot waar dit nou staan.<br />
Dit het begin met ’n erflating van my vader aan ons ses kinders. Ek en vyf jonger<br />
susters. Dit is ’n vakansie-eiendom in Kleinmond wat vroeër as ’n privaathotel<br />
bedryf is. Behalwe al die ander vertrekke is daar 17 slaapkamers. Dit is heelwat<br />
langer as 60 jaar gelede gebou op twee erwe, met ’n derde oop een langs die<br />
agterste erf. Die erwe is dus in ’n L formaat. Die voorste een is op see front met<br />
’n asemrowende uitsig oor ’n rotskuslyn. Dit is ongeveer 250 meter geleë van die<br />
swem gebied.<br />
My vader het dit oorspronklik gekoop met die bedoeling dat ons as familie die<br />
Desember vakansies almal daar saam kan geniet. Dit is toe ook so gebruik vir<br />
meer as twintig jaar. Ons en ons kinders wil dit graag so behou, maar die<br />
probleem kom in die hou van die gesamentlike eiendom. Hoe gemaak soos<br />
kinders ouer word, die gesinne uitbrei, die families elkeen ’n eie karakter<br />
ontwikkel en veral wat gebeur as een van ons ses te sterf sou kom. (Terloops<br />
daar is al agterkleinkinders vir ouma, wat nog leef.)<br />
My blootstelling aan jou kursusse, met die velerlei moontlikhede vir die<br />
aanspreek van beleggings in eiendomme, het nuwe moontlikhede vir my<br />
oopgemaak. Ons huidige plan is om ’n gedeelte van die ou gebou te sloop en<br />
dan vyf nuwe dupleks dorpshuise aan die agterkant op te rig. Met die regte<br />
beplanning sal almal van hulle ’n see uitsig hê. Die ou gebou word gerestoureer<br />
en bly ’n enkelverdieping. Die eenheid sal ’n dubbeldoel dien. Dit sal gebruik<br />
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word as die sesde wooneenheid, maar ook so verander word dan die leefareas<br />
as konferensiegeriewe gebruik kan word. Gedurende Desember sal dit dan ook<br />
dien as bymekaarkomplek wanneer ons almal saam wil kuier of gesels. Elkeen<br />
van die ses gesinne sal eienaarskap van ’n eenheid kry, sodat hulle dan<br />
onafhanklik daarmee sal kan handel. Ons sal wel ’n samewerkings ooreenkoms<br />
hê wat die verhuring, verkoping en ander belangrike sake sal reël.<br />
Nie almal van ons sal dit op eie fondse kan doen nie en ’n manier moes gevind<br />
word om dit te oorbrug. Deel van die ooreenkoms sal wees dat ons die eenhede<br />
sal uithuur aan vakansiegangers en ander dagbesoekers. Om die waarheid te<br />
sê, die bestaande eiendom word reeds so verhuur, maar ons het ’n probleem dat<br />
slegs een groep/gesin dit tans op ’n slag kan huur. Die ontwikkeling sal dit<br />
moontlik maak dat tot ses verskillende gesinne dit op dieselfde tydstip kan huur.<br />
Selfs ’n konferensiegroep sowel as ander los gesinne sal dit kan gebruik. Dit<br />
maak die inkomsteverdienste net soveel meer buigbaar.<br />
Dit alles klink goed, maar is dit finansieel haalbaar? DOEN DIE BEREKENINGS!<br />
’n eerste aanvaarbare argiteksplan is opgestel en ’n voorlopige kwotasie van ’n<br />
bouer is gekry. Na ’n gesprek met die plaaslike munisipaliteit en ander rolspelers<br />
kon ons ’n bedryfskoste begroting opstel. Net so het ons die potensiaal vir<br />
verhuring en die tariewe met ons huidige verhuringsagent uitgesels. ’n<br />
Konserwatiewe scenario vir die verskillende verhurings-moontlikhede en die<br />
inkomste wat daaruit verkry kan word is opgestel. Daarmee het ons nou al die<br />
nodige insette gehad. Die berekenings van die Property Pro program het nou ’n<br />
uiters belangrike rol gespeel. Nie alleen het dit aangetoon dat die ontwikkeling<br />
sal werk nie, maar dat dit na vyf jaar ’n opbrengs van oor die 100% sal lewer. Die<br />
risiko is, soos geleer, met behulp van Property Pro bepaal. Met ’n ‘ongebruikte’<br />
verhoogde verband wat die waarde van die erwe insluit, kan ons dit meer as<br />
gerieflik dek. Die verhoogde verband sal nie eers 80% van die totale batewaarde<br />
oorskry nie.<br />
’n Moeilike besluit is toe baie vereenvoudig. Ons gaan aan met die ontwikkeling.<br />
Nou is vasbyt en geduld die aspekte wat vir ons die sukses sal laat proe.<br />
Administratiewe rompslomp met die hersonering van die erwe en meer belangrik<br />
die tevrede stel van SAHRA met ons aansoek vir sloping en restourasie lê nou<br />
vir ons voor.<br />
Was dit egter nie vir die blootstelling aan jou kursusse en hantering van sake nie,<br />
sou ons dalk nooit by hierdie wen, wen oplossing uitgekom het nie. Ons kan ’n<br />
potensieel problematiese situasie ontlont en iets daar plaas wat nie net vir ons<br />
familie vorentoe nog goeie Desember vakansies verseker nie, maar kan ook vir<br />
elke gesin ’n stewige kapitaalbate skep, met selfs ’n goeie passiewe inkomste.<br />
Marius de Kock<br />
Friday, September 30, 2005 Marius De Kock<br />
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Dear Hannes.<br />
First of all I would really like to thank you for the wonderful opportunity that you<br />
have given me and the rest of the students on the mentoring course. Thank you<br />
for sharing your experience, thoughts and views on the various aspects of life,<br />
successes and financial matters. I think that this is where your first rule is most<br />
applicable in that people that are not on the mentoring course, and that have not<br />
paid for it and made it their own, can never experience the true value of what you<br />
are sharing with your students. I believe that if you have not owned something,<br />
you do not know the true value of it.<br />
My success story is not really about riches (yet), but about taking responsibility. I<br />
had a dream of having my own business and giving something to my children<br />
when they finished school and their studies. I new I had to do something to at<br />
least give them a start in life. In August 2004 I decided to buy a franchise from a<br />
well known group and to open a business. So many things has gone wrong since<br />
I left a perfectly good employment and started the business, that I have spend<br />
hundreds of thousands of rands and has not been able to open the doors.<br />
Luckily I saw an advertisement in the Rapport of yourself in January 2005 and<br />
decided to go and hear what you had to say. Since then I have done your<br />
Property Pro course and have bought the advanced course. I have smelled the<br />
dead horse and am in the process of selling the business back to the franchisor. I<br />
have stopped blaming everyone and have taken the responsibility to except that<br />
the franchise business is not a money spinner as everyone might believe.<br />
What I am really busy giving to my children is to teach them to take responsibility<br />
for their actions and themselves. This is the greatest gift I can give them and<br />
although they are only eight and ten, they often come to me and tell me how they<br />
have changed an experience into a class one experience. Only a parent knows<br />
how proud you feel when your children act responsibility. I have made your<br />
mentorship course my own and have taken the responsibility to give my children<br />
the best chance at life by having the information to make the right and informed<br />
decisions.<br />
I have decided that I am responsible for my own actions and that I will become<br />
very wealthy and one of the goals that I have set myself, it to pick my kids from<br />
school with our own helicopter on his last day of school. This is a promise that I<br />
have made to him and his brother.<br />
Lastly, by thinking out of the box, I have found various motivated landlords, and<br />
am renting a very nice place in Centurion in a security estate, at a fraction of<br />
what a bond would have been. I negotiated a deal, where he almost pays me to<br />
stay there.<br />
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Thank you Hannes Dreyer for giving me the courage to get my life in order and<br />
take responsibility. You are a lifesaver and my hero, and most of all my mentor.<br />
Friday, September 30, 2005 Hein Kruger<br />
<strong>The</strong> only place you find success before work is in the dictionary<br />
May V Smith<br />
Since I subscribed to Hannes` Mentoring Course four weeks ago I have been<br />
thinking of what I could write for my success story. I’ve been trying to think of<br />
what I have done in the past that could qualify to be part of my success story.<br />
<strong>The</strong> more I thought about the more I came to realize that my success story is just<br />
about to begin.<br />
Today I’m doing something different to what I do every day because I have learnt<br />
that what you do today is what you’ll do the rest of your life. It’s not what you do<br />
tomorrow but what you do today. <strong>For</strong> the last four weeks, every day I have been<br />
saying to myself “I must write my success story but I’m too busy today, so I’ll do it<br />
tomorrow.” Just by writing this story I have realized how many times in my life I<br />
have said to myself “I’ll do it tomorrow” , how many times I have made excuses to<br />
do it tomorrow. And the truth is that I never ended up doing those things.<br />
So today I’m doing something that I would not normally do. Something that is<br />
way out of my comfort zone. Today I’m writing my success story for other people<br />
to read. All my life I have been afraid of what other people think of me and what I<br />
say. I have always been too afraid to speak up or add my comment to a<br />
conversation. I remember when I was at school, so many times I knew the<br />
answer but I was to afraid to shout it out because I thought “what if I’m wrong”<br />
and then someone else would shout it out and they would get “rewarded”.<br />
I have missed too many opportunities because I have been too afraid to speak<br />
up or do something about it. When I think back I see how stupid it is to care what<br />
other people think. Today I do not care what other people think of me. I’m slowly<br />
starting to open up. This alone is a huge success for me and a starting point to<br />
further my success.<br />
I could not have started my success story today without Hannes` Mentoring<br />
Course. And even more so I could not have done it without reading the books<br />
written by Robert Kiyosaki. Reading Robert’s books has helped me open my<br />
mind to see what I could not see before and because of this I went in search of<br />
ways to invest in myself and that is how I found Hannes Dreyer, his courses and<br />
mentoring program.<br />
So I would like to thank these two great Mentors as they have made this a<br />
turning point in my life.<br />
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I hope this inspires others like me who are afraid of what others may think of<br />
them. Life is too short. We have all heard the phase “Think out of the box”. What<br />
I think this means to people like me who have been hiding in the box is:<br />
“First get out of the box and then it will be easy to think. It is too difficult to think<br />
out of the box while you are still in it.”<br />
Shane Ferreira.<br />
Friday, September 30, 2005 Shane Ferreira<br />
<strong>The</strong> road to success is lined with many tempting parking spaces<br />
Anonymous<br />
Our Turnaround Success Story<br />
Our turnaround process started in April 2004, when I was 59 years old and my<br />
wife Petro 52. After having worked all our lives we had no hope of retiring any<br />
time soon, and no prospect or viable plan to accumulate enough capital in the<br />
foreseeable future - a very, very scary situation to be in! <strong>The</strong>n Petro bought a<br />
book called “<strong>The</strong> One Minute Millionaire” by Mark Victor Hansen and Robert G.<br />
Allen. I couldn’t wait for her to finish reading, so I went out and bought my own<br />
copy.<br />
As background the following: Both Petro and I had worked for corporate<br />
organizations until 1987, when I decided to take the plunge and start my own<br />
business. I had a singular focus on building this business to enable us to retire at<br />
some stage – so all our eggs were in one basket. After a number of ups and<br />
downs we were doing quite well for a small business, but to grow further we<br />
needed to be part of a large organization. In 2002 we reached an agreement with<br />
a JSE-listed company to buy into our business. That would have netted a couple<br />
of millions over a period of three years, and at the same time provide money for<br />
us to retire. Petro resigned from her corporate job to work with me on a part-time<br />
basis. <strong>The</strong>n the JSE-listed company went bankrupt and we had to operate like a<br />
small business again, but with a significant and expensive systems development<br />
infrastructure to maintain and very little cash. Needless to say, during this period<br />
of adjustment some of our hot prospects also vanished into thin air.<br />
That’s when Petro bought the book. That’s also when, after having read it, it<br />
dawned on us that we have been 180 degrees off course all our lives. We have<br />
made all the classic mistakes:<br />
• Bought an own house<br />
• Bought new vehicles when we could “afford” the payments<br />
• Lived on an overdraft<br />
• Etc.<br />
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<strong>The</strong> book inspired me to investigate and follow three lines of endeavour, thereby<br />
creating multiple streams of income:<br />
• Property investments<br />
• Multilevel marketing<br />
• E-commerce.<br />
<strong>The</strong> first step was to attend Hannes Dreyer’s seminar in May 2004. Petro and I<br />
followed that up by attending his Workshop shortly afterwards, and buying the<br />
software. Later I joined the Mentoring Course (since its inception). I set myself a<br />
goal of achieving capital of R10m in 5 years.<br />
<strong>The</strong>n I started hunting for properties to buy. I had no money to invest or carry a<br />
possible monthly shortfall, so I traded in my LandRover Discovery for a BMW of<br />
the same vintage, took the maximum loan on it and realized R95 000. I frustrated<br />
the estate agents by refusing to have a look at properties before I did the<br />
calculations (a la Hannes!). <strong>The</strong> first property I bought was in Garsfontein,<br />
Pretoria. I upgraded the place by fitting new tiles, fittings and painting, which<br />
unfortunately ate all the cash. I had to borrow money to pay the transfer duties<br />
and costs, assuming that since the company buying the property was registered<br />
for VAT, I could claim back the transfer duties. However, the Receiver rejected<br />
my claim because it was rented out as a residential property. That quickly made<br />
me realize the importance of knowing the laws!<br />
Next I bought a townhouse. However, residential properties had increased so<br />
much in value that it seemed quite difficult so obtain a property that did not need<br />
a deposit and would provide monthly cash inflow (the ideal!). So I started<br />
investigating commercial properties. I took a chance and asked a friend if he<br />
would be interested in property investments on a shared basis. He was! Two<br />
quick transactions followed shortly after one another - one a sectional title office<br />
building and the other an old house that had already been rezoned for office<br />
rights. <strong>The</strong> latter was available directly from the owner at a very reasonable price<br />
(a “motivated” owner - the property had been in the market for quite some time,<br />
and the potential buyer that eventually showed an interest failed to gain financial<br />
approval after an extended period of time).<br />
<strong>The</strong> result of all this was that our portion of the investments increased by more<br />
than R1 000 000 from July 2004 to July 2005. Petro and I now have ten<br />
properties, either wholly owned or in partnership, and our share is worth more<br />
than R8m.<br />
On Hannes’s good advice we also started working towards more balance in our<br />
lives, and focusing on our relationship and our relationships with other people.<br />
During this process the following happened:<br />
• We educated ourselves by doing a lot of reading, including the following:<br />
Six of Robert Kiyosaki’s books<br />
“Multiple Streams of Income” by Robert G. Allen, and “Cracking the<br />
Millionaire Code” by Mark Victor Hansen and Robert G. Allen<br />
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A number of books on motivation, amongst others “<strong>The</strong> Midas Method” by<br />
Stuart G. Goldsmith<br />
• We discovered that I may suffer from sensory defensiveness, a condition that<br />
had wreaked havoc with my stress levels and relationships in the past<br />
• We started a multilevel marketing business<br />
• We are in the process of getting a number of e-commerce businesses off the<br />
ground<br />
• We employed existing and new structures to set up companies as property<br />
owners with their shares held in a trust.<br />
Previously I used to focus on one goal at a time, but with high productivity in<br />
mind, I learned to oversee and work on a number of goals at the same time. All<br />
this studying also influenced my thinking about marketing, marketing channels,<br />
pricing and product development for our existing business.<br />
We are well on our way to becoming truly financially independent, and will be<br />
able to retire (comfortably, I might add) three years from now. Obviously, the<br />
property investment side will continue - I like being able to realize returns in<br />
excess of 50% per year on my investment! <strong>The</strong> goal now is to own R20m capital,<br />
augmented by substantial passive income, within the next 6 years.<br />
However, the best part is not the money but rather the person I have become. At<br />
61 years of age I am happy, confident and excited about the future. I have been<br />
instrumental in opening my children’s eyes to property investments and the<br />
importance of becoming financially independent. <strong>The</strong> people in my company are<br />
also starting additional careers as property investors. <strong>The</strong>y have all been<br />
exposed to your seminars and have – or will soon - attend your Workshop.<br />
Thank you, Hannes, for the decisive role you have played in opening my eyes<br />
and helping me to make the paradigm shift that changed my life. Old dogs can<br />
indeed learn new tricks!<br />
Dawie de Wet<br />
Friday, September 30, 2005 Dawie De Wet<br />
<strong>The</strong> way to get things done is not to mind who gets the credit for<br />
doing them<br />
Benjamin Jowett.<br />
Hi Hannes<br />
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My sukses storie is nie dat ek al n paar huise gekoop het of drie besighede begin<br />
het nie, maar dat ek as mens verryk is deur die kurses. Die kurses help my om<br />
oor baie van my vrese te kom. Waar van my grootste is dat alles so gou as<br />
moontlik moet geskied en sodoende altyd oorhaastig is en my vingers verbrand.<br />
(vrees vir tyd)<br />
Omdat ek my self sien as n entrepeneer en my self gedurig dryf om net meer en<br />
verder in die lewe te wees, maak die kursus my rustig deur te weet dat daar is<br />
tyd vir alles en nou is dit tyd vir bele in my self om al die “unknown” uit te skakel.<br />
Hannes die mentor kurses help my om rustig te wees maar opgewonde.<br />
Sodoende is ek n beter man vir my vrou en n aangename mens vir my mede<br />
mens.<br />
Weereens baie dankie<br />
Marius<br />
Friday, September 30, 2005 Marius Van Den Berg<br />
Hannes<br />
My success story is about personal growth and the realisation of what is<br />
important.<br />
I always thought that having enough and plenty of money you will be successful.<br />
<strong>The</strong> amount of money you have determines the level of success. How wrong was<br />
I? I realised that success has different meanings to different people. <strong>For</strong> me it<br />
now is the way I think about myself. When you go and look at what a self image<br />
does to an individual, it defines the way they perceive the world. My back ground<br />
is one which created a bad self image about me and the way I perceived life.<br />
Being in debt was one big thing and once again it was because of the perception<br />
I had.<br />
When I did your property investment course in March 2003 I was in debt of<br />
R70000 (credit cards and personal) and with my income I could not make the<br />
minimum payments per month and I realised something had to be done. I also<br />
was about 20kg over wait weighing 105kg. I thought money will solve my<br />
problems. So my journey started then and it was a long and tough journey and I<br />
had to make some drastic and tough decisions to change my situation. I knew<br />
where I wanted to be, but how to get there was one thing I did not know. <strong>The</strong>n<br />
came the mentoring program.<br />
One big thing I learned form you is taking responsibility of my own destiny and<br />
success, because it is not just going to happen. I realised too, I had to invest in<br />
myself, before making any other investment. So I took responsibility of my<br />
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situation. I made arrangements to pay of my debt with all the relevant creditors<br />
and because being sequestrated was not the right thing to do for me, because I<br />
had to own the debt and consequences of my own actions. I now have no more<br />
personal debt. With being over wait I made changes and lost 20kg with hard work<br />
and dedication and was blessed to run the 21km Two Oceans half marathon.<br />
So my success story is being a complete person in Spirit, Soul and Body. Now I<br />
think positively about myself instead of negative thoughts and my relationship<br />
with my wife is better than it ever was and we are still growing in it. My family is<br />
more important than money and having good relationships is of more eternal<br />
value than money. <strong>The</strong> strange thing is that money wise, I have never been in a<br />
better position in my life as I am now and that does not even bother me or give<br />
me my identity. I know now that if the right things are in place and you do the<br />
basic principals right, it is only natural for the so called money to follow. I am<br />
blessed to have beautiful a wife that loves me, a beautiful baby boy and<br />
fulfillment in my work, enjoying every day life to the fullest. I am also blessed to<br />
have 5 investment properties of my own and 5 investment properties with family<br />
with a 50% share in. I am also continually on the look out for more opportunities.<br />
.Thank you. Regards<br />
Schalk Oberholzer<br />
Friday, September 30, 2005 Schalk Oberholzer<br />
When you are making a success of something, it’s not work. It is a<br />
way of life. You enjoy yourself because you are making a<br />
contribution to the world<br />
Andrew Granatelli.<br />
Hi to all,<br />
Like so many other people who attended your workshop, I was also into property<br />
before I met you. Like so many other I was on the right track, but then you<br />
literally opened my eyes to what I was missing.<br />
I put offers in for 11 properties in 6 months with the long term plan to buy at least<br />
one property per month for 60 months (five) years. You get the point. Seven of<br />
my first 9 properties were free. I put into practice what you taught me and made<br />
my profits when I bought the properties. I did a couple of Hannes Dreyer tricks to<br />
boost the value on some of the properties and in less than 18 months I made<br />
over one million rand. This might sound like small change to you, but it gave me<br />
the financial boost I have been dreaming of all my life.<br />
Your mentoring program gave me the ability to negotiate with corporate<br />
companies to start a national business venture in something I love almost as<br />
much as property. I am seeing a patent attorney tomorrow to secure my part in<br />
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what could be the next fax machine before fax machines in South Africa. I will<br />
keep you informed of my progress since you played a part in this too.<br />
Somehow “thank you” just don’t cut it, how else can I thank you?<br />
I am following your mentor program with pride, bragging about you to anyone<br />
whom is prepared to listen.<br />
It is an honour just being one of your students.<br />
Barend Gouws<br />
Friday, September 30, 2005 Barend Gouws<br />
I have got two reasons for success and I am standing on both of<br />
them<br />
Betty Grable.<br />
Dear Hannes,<br />
Being a person that finds it difficult to put thoughts and feelings into words, you<br />
convinced me to give it a try.<br />
I always wanted to be an entrepreneur. I had so many ideas, but failed to put<br />
them into practice. <strong>For</strong> me it always boiled down to time, ignorance and<br />
confidence.<br />
I first attended your property workshop about two years ago. Being armed with<br />
your techniques to conquer the residential property market, I failed to take full<br />
advantage of the boom. I kept on asking myself why don’t I buy more properties,<br />
why don’t I look for opportunities, why don’t I start a online business (being in IT<br />
myself, software/web development are my bread and butter). Being part of the rat<br />
race, I convinced myself there is just not enough time. Time management was<br />
not one of my best qualities. Whenever I planned something, I never managed to<br />
follow the time lines set out. If things didn’t happen overnight, I started to loose<br />
interest.<br />
I always had an interest in successful/rich people. I wondered what I can do to be<br />
successful, to live a life of abundance. My answer; “I don’t have the knowledge,<br />
the skill, the personality” to be like “those” people. To me successful/rich people<br />
were part of a league, beyond my reach. To be honest, I started to develop a<br />
grudge against successful/rich people. I’m ashamed telling you this, but it’s the<br />
truth.<br />
I’m a very competitive person. I must always win, but I’m a bad looser. I<br />
remember playing monopoly as a child; if I didn’t have the most<br />
houses/hotels/money, I wasn’t interested in playing anymore; I would even throw<br />
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the board game one side just to mess up everything so to stop playing.<br />
Whenever someone accomplished something successful I’ll think of how I could<br />
do it better, I’ll try to find something negative, just to show that it was not a big<br />
deal. Instead of looking at the positive and congratulate the person, I’ll find<br />
something negative.<br />
Lack of self confidence and worry of what other people would think or say of me,<br />
were one of my biggest pitfalls. I didn’t always want to try something new<br />
because of the fear of failure, of people seeing me as a failure.<br />
When I joined the mentoring course, I thought this was the break I needed. This<br />
is my chance to get out of the rat race. This is my chance to join the<br />
successful/rich people’s league – the easy way. I just needed to do the same as<br />
you, no extra work needed from my side, right? Wrong! After a few weeks I<br />
realized I joined the mentoring course for the wrong reasons. This was not a get<br />
rich quick scheme! This was more than that. This was exactly what I needed my<br />
whole live – guidance to become a better person, information to help me take<br />
control of life and become successful.<br />
<strong>The</strong> mentoring course helped me realize that the biggest reason why I’m not<br />
successful (yet), is me. I’m the one keeping myself back. My attitude and mindset<br />
towards life/people was totally wrong. I learned how to plan my day/life, learned<br />
how to manage time, and reach my goals within set time frames. I learned how to<br />
be much more productive, with less input! I learned how “easy” it is to start a<br />
business, and reach my target market. I have much more self confidence in<br />
putting new ideas/knowledge into practice.<br />
I rediscovered what life is all about; life is a journey, life is luck, and only I can<br />
make it happen.<br />
I would like to thank you for your willingness to help people, for sharing your<br />
ideas and experience. You are a roll model for any entrepreneur “wanna be”.<br />
Regards,<br />
Gerrit<br />
Friday, September 30, 2005 Gerrit Breedt<br />
Dear Hannes<br />
<strong>Wealth</strong> is not who has it but who enjoys it<br />
Benjamin Franklin<br />
It is a privilege to thank you once again by way of my “success story” for your<br />
help and inputs the past three years. I started with zero properties when I sat in<br />
your first seminar, and I RAN out of there, equipped with some knowledge but<br />
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plenty of confidence, and bought my first property that very next Monday. Since<br />
then I build up a reasonably portfolio which I am sure would “take care” of my<br />
wife and my future kids should anything happen to me. Hopefully I will enjoy the<br />
proceeds from that as well one day when I want to take things a bit easier and<br />
follow my passion for flying, which would have stayed only a dream if I never<br />
attended my first property seminar.<br />
I have learned a lot from you, bur would like to mention three points:<br />
Firstly I have learned that there is ALWAYS a better way to do a deal. When I<br />
find an interesting deal and I imagine myself telling you about it I can here you<br />
say “Yes, it isn’t too bad, but there’s a better way to structure it” and then I know I<br />
must “fine tune” the transaction or my offer some more.<br />
Secondly I have learned to “enjoy the ride”. To make enough money to live<br />
comfortable isn’t so hard if one applies what you teaches us, but to do it in such a<br />
way that you could still enjoy every day (by not taking huge risks) and without<br />
stepping on other people along the way is very important, and<br />
Lastly your energy and compassion for people is contagious. I have learned that<br />
if your last day “arrives” and you can reflect over your life on earth, the money<br />
you accumulated won’t give you one second of pleasure, but the difference you<br />
made in peoples life’s will, and there good memories of you will last forever.<br />
Thanks for everything.<br />
Corne Liebenberg<br />
Friday, September 30, 2005 Corne Liebenberg<br />
In 1995 het ek die eerste keer gaan sit om ‘n bietjie oor my gesin se finansiële<br />
posisie te besin. Al wat op die punt vir my sin gemaak het (toe reeds 15 jaar lank<br />
‘n salaristrekker uit ‘n vaderhuis waar geldsake min bepreek was) was om my<br />
skuld af te betaal en te probeer spaar vir my oudag. In 2000 het egter twee<br />
belangrike ding gebeur wat ons lewe sou verander:<br />
Ons het eerstens al ons skuld afbetaal en wat nou gemaak met die “ekstra” geld<br />
wat ons per maand het. Tweedens het ons eerste “spaarplan” uitgekeer…. wat ‘n<br />
volle 4% per jaar groei behaal het!<br />
My aandeleportefeulje was ook maar rampspoedig en ek was totaal ontnugter.<br />
Na baie leeswerk van Robert Kiyosaki se “Rich Dad, Poor Dad” tot Dolf de Roos<br />
se “Real Estate Riches” en nog baie meer, het ek begin soek na ‘n persoon in<br />
Suid-Afrika , ‘n kenner, wat as my mentor kon optree in eiendom. ‘n Goeie vriend<br />
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het my van Hannes se werkswinkel vertel en nog voor ek die inligtingsessie<br />
bygewoon het, het ek reeds bespreek vir die werkswinkel.<br />
Die verskeie werkswinkels en Mentor kurses was presies wat ek wou weet; die<br />
wetlike, belasting en struktuursake waarvan jy meer as die normale man moes<br />
weet om ‘n eiendomsportefeulje op te bou. Hannes se klem op die feit dat ‘risiko<br />
en verantwoordelikheid nie geskei mag word nie’, is so belangrik as jy jou in die<br />
eiendomswêreld begewe. Die werkswinkel het my met die nodige kennis<br />
bemagtig om ingeligte vrae te begin vra vir professionele mense. “Nog nooit in<br />
my 21 jaar in die versekeringswese het ‘n kliënt my geskakel en verskeie artikels<br />
aangehaal waaraan sy polis moet voldoen nie” het ‘n verbaasde ‘senior<br />
makelaar’ van ‘n groot versekeringsmaatskappy vir my gesê. Ek het die taal van<br />
ouditeure, versekeringsagente en prokureurs net so ‘n bietjie beter begin<br />
verstaan, hulle beperkings en tekortkomings begin raaksien en dit gee my ‘n<br />
lekker voorsprong …<br />
Ek het 18 eiendomme gekoop vandat ek Hannes se werkswinkel bygewoon het.<br />
Almal was ‘verniet’-eiendomme. My swakste een het ek na een jaar verkoop met<br />
‘n wins van R80,000. My portefeulje is tans ‘n raps oor die 8 miljoen rand werd<br />
en die gemiddelde 5 jaar IRR is by die 80% met ‘n Cash on Cash return van<br />
50%. Ons huurinkomste is net oor die R60,000 per maand. Binne 6 jaar behoort<br />
die portefeulje afbetaal te wees en met ‘n (ongeveer) inflasie gekoppelde<br />
huurinkomste het ek in minder as 10 jaar vir ons aftrede voorsiening gemaak.<br />
Ons gaan egter nie hier stop nie.<br />
Indien iemand in eiendom wil belê, is Hannes se werkswinkel sen mentor skap ‘n<br />
moet; ek het reeds verskeie mense met sukses na Hannes se werkswinkel<br />
verwys. Meeste van hulle is ook reeds aan die gang. Indien enige iemand in<br />
eiendom begin belê en jy maak aanvanklik so‘n paar klein foutjies (kom ons sê<br />
net 5%) in jou beplanning op die koop en strukturering van ‘n R1,000,000<br />
eiendom kan dit jou R50,000 kos. Wat ‘n “bargain” is Hannes se werkswinkels en<br />
mentorskap dan nie.<br />
Gideon Le Roux<br />
Friday, September 30, 2005 Gideon Le Roux<br />
Hannes, I am grateful for you inspiring me further, to control PAIN, the greatest<br />
motivating force in the Universe…and not allow PAIN to control me in the end. I<br />
aspire to having one of the greatest testimonies in the World one day, as I have<br />
chosen to be a light to the World and you have been one of the catalysts.<br />
Up until the year 2004, I had never earned passive income and I have tried many<br />
many ventures/ideas, but none of them had ever lifted off the ground (including<br />
Motivational Training which yielded incredible testimonies from others). I am also<br />
qualified in electronics and sales. I was employed for 11 years in the cellular<br />
phone Industry and have invested tens of thousands of rands on personal<br />
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development which has led my full focus on world leader Anthony Robbins and<br />
<strong>Wealth</strong> Creator Hannes Dreyer. I have also spent my life searching through the<br />
physical, metaphysical, mental, emotional and spiritual planes of truth and the TV<br />
was removed 4 years ago, which has led to our creativity and growth.<br />
In 2004 I had an invention which was a wristwatch that could remotely activate<br />
gates, garage doors, alarms, start and stop cars, central locking etc …. An<br />
Investor invested R280, 000 and funded me from Dec – May 2005. <strong>The</strong> response<br />
from the public was excellent. This was a winner and could not fail according to<br />
our expert team of clever people including me (http://fc.co.za/lifewatch)…but it<br />
did! And I found myself “jobless” in May 2005. (<strong>The</strong> wristwatch will now pace for<br />
6 years)<br />
Luckily, back in March 2004, I read a building book and got a bricklayer to build<br />
(using the banks money) two small Simplexes, (28metres squared each) on our<br />
humble property (zoning 4).<br />
Luckily? , back in March 2004, I read a building book and got a bricklayer to build<br />
(using the banks money) two small Simplexes on our humble property (zoning 4).<br />
When attending your course in September 2004, I realized that using the banks<br />
money to build rental income and capital growth was the best way to go (once<br />
IRR applied) and I became through your certainty and software package, a<br />
strong believer in Property “ownership”. I became bolder in lowering our standard<br />
of living to accommodate a higher IRR…so much so that my wife and I agreed to<br />
move with our 2 kids into one of our small 1 bedroom simplex’s (28metres<br />
square) and we rented our entire house out in Feb 2004. Since then we have<br />
built another small Simplex, a Duplex (double storey 74 m square), Purchased a<br />
piece of land, changing title deeds to build 3 houses and purchased a house for<br />
R590,000 using bonds via the Bank. We are still driving our Uno93 and living in<br />
our small simplex (28metres square)…and things have been great especially<br />
when the family keeps bumping into one another, getting in the way and standing<br />
on each others toes has been commonplace in the tiny abode. (I certainly take<br />
my hat off to my wife for enduring with the 1.8m square kitchen and my all hours<br />
of the night working). But by doing this we have become financially Independent<br />
and never have to “work” again as we can live off rental income alone. But by<br />
doing this we have become financially Independent and never have to “work”<br />
again.<br />
Our experience has brought us closer together and we have learnt to become<br />
more patient, understanding and better communicators with one another. Our<br />
family has just enjoyed the entire school holiday having fun together. Thanks to<br />
Hannes for promoting the Thought –“lower your standard of living to increase<br />
your passive income streams using the banks funds”. Hannes, you also<br />
confirmed for me, the life changing information from Anthony Robbins, Robert<br />
Kiyosaki. Etc. and your internet game has helped me experience my future<br />
wealth creation prior to accomplishing it. You have helped me build an incredible<br />
confidence in Property Investment.<br />
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I “fired” my conveyances, bank and accountants as they were slowing me down<br />
with their errors, sluggishness, belittling, resistance and costly delays. I took<br />
control and started working with people that I liked, respected and trusted, (as<br />
per your advice) and we are now operating effectively and efficiently. Your end of<br />
week mentorship download has kept me strong in my persistence, especially<br />
when I have felt beaten up by the week’s activities.<br />
Now that we are earning a surplus passive income we can fund a normal<br />
standard of living by Moving into our Double Storey and purchasing our new car<br />
in December (we may still stick to our Uno). We have become NHBRC registered<br />
and are now able to raise building loans and draw a salary by building properties<br />
for our Company. I am confident for next year’s rentals and Management thereof<br />
as we are subscribed to your Private Lessor site.<br />
When I see properties I feel their future value circulating in my veins. We have<br />
converted the fear of raising large bonds to faith in them (just signed for two 1<br />
Million Rand properties without blinking an eyelid – were declined) God has<br />
allowed you to open my eyes (Genesis 21: verse 16-19) to opportunities that<br />
surround us. But it goes further than that Hannes. Our daughters are learning<br />
your wisdom from their daddy (ages 5 & 8)…they see it happening around<br />
them... WOW! And the small one has even got lost with all the rooms we have<br />
built on our property. When they grow up, they will be wealth creators and not<br />
reactors.<br />
With our rapid growth in property ownership and family oneness, our parents<br />
don’t know what is going to pop up next! My “friends” who thought we were down<br />
and out, have stood speechless and flabbergasted, staring at the vast growth of<br />
our dwellings on our property! I hope to impart your principles and wisdom into<br />
our Church which has an active membership of more than 10,000 people<br />
(Durban Christian Centre).<br />
Below is our Growth in our Property, Rental Income and Cash reserves…and it is<br />
a small and very significant beginning…thanks to you Hannes for sharing your<br />
experience and advice with us. It is helpful when people are open about there<br />
lives and so we return the same below…hopefully we can help open eyes and<br />
effect decisions by sharing our growth in detail.<br />
GROWTH<br />
Note: Bank Valuations for the below are underrated.<br />
1) As at 1/3/2004 we (wife and I) owned<br />
• 1 House (2 bedroom) (Built)<br />
• Total bond R124, 000<br />
• Valuation R174, 000 Bank<br />
• Furniture and appliances = R 15,000<br />
• Passive Income = R0 , zero, nil , nothing , luthu, niks , .<br />
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• Capital Growth<br />
2) As at 1/3/2005 (12 months later) we owned<br />
• 1 House (4 bedroom)<br />
• 3 Simplexes (1 bedroom each) (Built)<br />
• Total Bond = R294, 000<br />
• Valuation R700, 000 increased by 331% Bank<br />
• R10, 500/mth Passive Income<br />
• Cash reserve R73, 000 (Provided payout – 11 years service)<br />
• Furniture and appliances = R 31,610<br />
• Capital Growth<br />
3) As at 1/8/2005 (5 months later) we owned<br />
• 1 House (4 bedroom)<br />
• 3 Simplexes (1 bedroom each)<br />
• 1 Double Storey Duplex (4 bedroom) (Built)<br />
• Valuation R900, 000 increased by 29% Bank.<br />
• Land to house 3 dwellings (Umgeni River views)<br />
• 2nd House (4 bedroom) (granted - transfer in Oct 2005)<br />
• Total Bond = R531, 000 = R5800/mth<br />
• R15, 250 Passive Incomes<br />
• N.H.B.R.C. Qualification<br />
• My full time commitment since May (only 4 months)<br />
• Cash reserve of R273, 000 (extended bond)<br />
• Furniture and appliances = R 51,610<br />
• Capital Growth<br />
4) As at 1/3/2006 (6 months later) we will own<br />
• 1 Double Storey House (7 bedrooms)<br />
• 3 Simplexes (1 bedroom each)<br />
• 1 Double storey Duplex (4 bedroom)<br />
• Land to house 3 dwellings (Directly over the Umgeni River)<br />
• 2nd House (4 bedroom) (granted - transfer in Oct 2005)<br />
• 3rd House (4 bedroom) (built)<br />
• 4th House (4 bedroom) (built)<br />
• Valuation (conservative) expected = 2, 5 Million rand<br />
• Total Bond = R1, 3 Million rand = R14, 510/mth<br />
• R38, 000/mth Passive Income (incl new transferred property)<br />
• Cash Reserve = R1, 1Million Rand<br />
• Capital Growth<br />
• A higher salary<br />
5) As at 1/9/2006 (6 months later) we will own<br />
• 1 House (7 bedrooms)<br />
• 3 Extended Simplexes (3 bedroom each)<br />
• 1 Double storey Duplex (4 bedroom)<br />
• Land to house 3 dwellings (Directly over the Umgeni River)<br />
• 2nd House (4 bedroom) (granted - transfer in Oct 2005)<br />
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• 3rd House (4 bedroom) (built)<br />
• 4th House (4 bedroom) (built)<br />
• 5th House (built) (4 bedrooms)<br />
• 2nd Land purchased<br />
• 6th House built<br />
• Valuation (conservative) expected = 3, 9 Million rand<br />
• Total Bond = R2, 1 Million rand = R23, 100/mth<br />
• R50, 000/mth Passive Income<br />
• Cash Reserve = R1, 6 Million<br />
• Capital Growth<br />
• A higher salary<br />
6) I believe we can be billionaires in 10 years from the date of our first Million.<br />
Friday, September 30, 2005 Richard Daguiar<br />
<strong>The</strong> penalty of success is to be bored by the attention of people who<br />
formerly snubbed you<br />
M.W. Little<br />
I doubted whether I should write my story, since it isn’t about achieving business<br />
success at all, since I’m still investing in myself, but you can decide whether to<br />
show it to the public or not.<br />
I lived in my own perfect little world for 19 years (no, I’m not autistic), never<br />
suspecting a lot of things that happened. Well, this world crumbled the day that I<br />
found out that my husband molested both daughters. (This story is not to bore<br />
you with the details of what happened, but about what good can emerge from<br />
something very bad, if you decide to change.) Reality hit me hard in the next few<br />
months: I didn’t have a relationship with my daughters, my ex-husband tried to<br />
kill me, he tried to kidnap the youngest daughter, my self-esteem died, I got laid<br />
off from work, had 7 break-ins in a short period of time, a business partner (yes,<br />
imagine going into business at a time like this!! - won’t blame you for thinking I’m<br />
crazy!) Ripped me off, did fraudulent transactions etc, then declared himself<br />
insolvent.<br />
So, the six human needs Hannes listed in Lesson 9, all went negative for me. I<br />
struggled to get a job and I had a LOT of debt and I found myself without friends<br />
or support. Deep down I actually still knew that God has a purpose for me, that<br />
life isn’t about money, but struggling makes it difficult to believe it always.<br />
During this recovery period I actually discovered myself: I had to face bad habits,<br />
bad choices I made previously, and had to decide to change them and change<br />
myself to become a better person and a better mother. This was a painful<br />
process, but then no pain, no gain.<br />
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So I changed, picked up the pieces of my self-esteem, but worked too hard (had<br />
3 jobs at one stage) to earn money to pay off all the accumulated debt. <strong>The</strong><br />
result: No balance in the wheel of life. At this stage I’m investing in myself, also<br />
focusing on living a balanced lifestyle and Hannes is providing very valuable<br />
material to achieve that.<br />
I’m not investing money in property yet, I’m still learning. I don’t have a lot of<br />
successful businesses yet, but I’m slowly and surely learning. <strong>The</strong> most<br />
important change that I’ve experienced with the mentoring program lies in my<br />
thinking! I’m thinking in a different way! Suddenly I’m getting all these ideas<br />
which I never had before and this makes me excited! I am investigating the<br />
possibilities of a few of my ideas and will let you know about the successes and<br />
failures thereof (at least I’m not scared of failures any more).<br />
Friday, September 30, 2005 A. Jansen v Rensburg<br />
Hallo Hannes<br />
Net `n kort opsomming van my sukses storie, wat al reeds teen 1989 begin het.<br />
Ek het teen daardie tyd reeds geweet dat ek finansieel onafhanklik wil wees,<br />
maar ek het nie `n mentor gehad wat my kon lei nie, gevolglik het ek wel<br />
voortgegaan en my ding gedoen soos ek gedink het dit was reg. Dit het maar<br />
stadig gegaan en ook met baie pyne, maar ek het net aangehou en volhard.<br />
Eerstens het ek teen 1989 `n goeie koop gedoen met `n huis en vir drie jaar daar<br />
gebly. Die eiendom het omtrent verdriedubbel in waarde binne hierdie tydperk,<br />
en daarna het ek die plek verhuur en `n Town House vir my gekoop en self daar<br />
gaan woon. Na twee jaar het ek `n derde eiendom aangeskaf en dit ook verhuur,<br />
maar teen daardie tyd het alle ongelukke my getref wat met `n verhuurder kon<br />
gebuur het. Omdat ek nie `n mentor gehad het nie, het ek amper die handoek<br />
ingegooi en alles verkoop. Met volharding het ek die krisisse oorkom en aan<br />
gegaan. Gedurende hierdie tydperk het ek nog vir `n maatskappy gewerk en 6<br />
jaar later het ek die handleidings van Rich Dad Poor Dad gelees en het ek `n<br />
"skriftelikke" mentor gevind en ek het sy beginsels toegepas en verder met my<br />
eiendomme aangegaan en dit vermeerder. Gevolglik het ek die volgende stap<br />
gevolg en my eie besigheid begin teen 2002. Teen 2004 skryf ek in vir die kursus<br />
van Hannes Dreyer en daar ontdek ek al die antwoorde vir alles wat ek<br />
aangepak het vanaf 1989. Al die beginsels in die kursus is presies waarin ek as<br />
persoon glo en Hannes het dit net vir my kom beklemtoon en ek kon my eie<br />
besluite en projekte struktueer soos dit gedoen MOET word en nie wat ek sonder<br />
ondervinding gedink het ek moes doen nie. Die beginsels en kursus het my op<br />
die volgende vlak van vertroue en finasieele onafhanklikheid geplaas en ek kon<br />
voortgaan met eiendom aankope, maar nou kon ek alles meet, my bestaande en<br />
die nuwe eiendomme, en ek het korrekte syfers gekry om korrekte besluite te<br />
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neem en gevolglik het my portefulje vergroot met `n addisionele 12 eiendomme<br />
en ek is nou in `n proses om `n kommersiele eiendom aan te skaf van R5,5Milj<br />
sonder enige probleme, want ek kon alles meet en die korrekte begroting aan die<br />
bank voorle.<br />
Groete<br />
Francois<br />
Thursday, September 29, 2005 Francois Grobbelaar<br />
Hannes,<br />
Ek dank die Hemelse Vader dat hy iemand soos jy in my en die ander studente<br />
se lewens gebring het. Iemand wat my uit “die boks” laat dink. Ek was vasgevang<br />
in ‘n doodloop beroep vir 12 jaar-waar ek my gesin maar min gesien het-veral<br />
met skofte werk. Nou doen ek wat ek altyd wou doen, en ek is tuis by my gesin.<br />
Waarvoor kan ek meer vra?<br />
Ek het die seminar bygewoon in Julie 2004 en die werkswinkel in November<br />
2004(ek het spesiaal van Kaapstad gevlieg om in my toekoms te belê-en ek is<br />
nie een oomblik spyt nie!!). Ek het drie eiendomme gehad voordat ek die<br />
werkswinkel bygewoon het-nie sleg vir ‘n staatsamptenaar wat ‘n tip vir ‘n salaris<br />
verdien het nie? Ek het een verkoop nadat ek somme gemaak het, en ‘n<br />
bodemlose pit gesien het.<br />
Ek is tans voltyds besig om in myself te belê en in my gesin se toekoms. Ek is<br />
hard besig om “somme te maak”. Nogmaals baie dankie dat jy jou tyd opoffer om<br />
in my toekoms te belê.<br />
God se rykste seën vir jou en jou gesin.<br />
Groete<br />
JJ Badenhorst<br />
Thursday, September 29, 2005 Jans Badenhorst<br />
Greetings Hannes<br />
Subsequent to a number of unsuccessful business ventures and loosing a<br />
considerable amount of money I was disillusioned and circumstances forced me<br />
to return to my previous profession working for a boss.<br />
<strong>The</strong> urge however to achieve financial independence or ultimately become<br />
wealthy was foremost in my thoughts. I was, however, reluctant to start another<br />
business that necessitated the hiring of premises and employing staff on whom I<br />
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was reliant for the success of the business. Instead I was looking for a business<br />
venture in which it was possible for only myself to run.<br />
I therefore decided to look at property as an investment opportunity. I then<br />
invested in flats in new buildings i.e. buy in at the concept phase and sell prior to<br />
registration, a strategy employed by a number of "successful" estate agents<br />
which influenced me to follow suit. Although I made a reasonable profit with my<br />
first venture, I was somewhat concerned of media reports predicting a down-turn<br />
in the property market that would adversely affect two similar investments I made<br />
that will be due for registration only towards the end of 2006.<br />
It was with this doubt in my mind that I latched onto your ad in the newspaper. I<br />
attended your seminar where I immediately realised that my above mentioned<br />
investments were nothing more than gambling. I therefore took the first step on<br />
the road to success and decided to invest in myself by attending your Property<br />
Pro workshop. This was mind-blowing and for me at the time quite overwhelming.<br />
I also immediately invested in your software programme realizing that if I<br />
intended to continue investing in property it needed to be done based on sound<br />
mathematical principles as opposed to decisions based on emotion.<br />
Well, after all is said and done you may ask yourself what is in fact my success<br />
story? In essence, it can be summarized as follows: I have invested in myself; I<br />
will do my calculations before investing in property; I will achieve a successful<br />
business out of property by creating streams of passive income as opposed to<br />
generating capital; I will rent my existing property as opposed to selling it when I<br />
move to my new premises in December 2005. This will be my first investment<br />
property generating passive income based on sound mathematical principles.<br />
All in all I will step by step apply the knowledge you are imparting in order to<br />
achieve my financial goals.<br />
Hannes, you have open-end my eyes to the real world of property investment.<br />
Your knowledge, wisdom, enthusiasm and above all honesty is self assuring and<br />
heartwarming - I thank you sincerely<br />
Ian<br />
Thursday, September 29, 2005 Ian Bosman<br />
<strong>The</strong> trouble with being in the rat race is that even if you win, you’re<br />
still a rat<br />
Lily Tomlin<br />
Beste Hannes<br />
Ek en Lorinda is gegradueerdes wat gedink het ons kan ons drome verwesenlik<br />
deur ons professies te beoefen, hard te werk en spaarsamig te leef. Ons het nie<br />
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een `n finansiële agtergrond nie en het gedink ons moet ons geld aan die<br />
"experts" toevertrou om dit vir ons moontlik te maak om eendag af te tree.<br />
Geleidelik het die besef tot ons deurgedring dat jy `n plafon van verdienste bereik<br />
waardeur jy nie kan dring nie. Om ons inkomste te verbeter het ons net harder<br />
gewerk en gevolglik minder tyd vir mekaar, ons kinders, vriende en ontspanning<br />
gehad.<br />
Uit desperaatheid het ons verskeie boeke oor finansies en beleggings begin lees<br />
en gou besef dat ons in `n "rat race" vasgevang is. Ons het toenemend besef dat<br />
daar `n wêreld van hoop en sukses is buite die web waarin ons vasgevang was.<br />
Ons het begin fokus om van ons slegte skuld ontslae te raak en het begin by die<br />
kleinste lening en dit afbetaal. Daarna het ons dieselfde paaiement toegevoeg tot<br />
die volgende lening en so aangegaan terwyl ons `n sneeubaleffek ervaar het ten<br />
opsigte van hoe vinnig ons hierdie juk van ons skouers begin afgooi.<br />
Hierna het die begrip van passiewe inkomstestrome en die gebruik van "gearing"<br />
om ons drome te bereik al meer ons gedagtes begin vul. Ek en Lorinda het<br />
verskeie boeke gelees en gevoel dat jou benadering die meeste sin maak en my<br />
onwikkelende passie vir eiendomsbeleggings versterk.Nog voor ek jou<br />
werkswinkel kon bywoon, het ek my eerste twee beleggingseindomme gekoop<br />
met slegs `n basiese kennis en insig omtrent die evaluering van `n potensiële<br />
beleggingseiendom.Ek wou nie langer hierdie geleenthede misloop nie en moes<br />
eenvoudig net begin om die ys te breek.<br />
Jou werkswinkel het my finaal laat vergeet van die argumente van die<br />
doemprofete en jou Property Pro Program was die instrument waarna ek al twee<br />
jaar lank gesoek het. Ek kon uiteindelik my klein portefeulje sinvol evalueer en<br />
het gou besef dat een van die twee eiendomme se negatiewe kontantvloei my<br />
net toenemend gaan strem. `n Jaar later verkoop ek dit met `n "cash on cash"<br />
opbrengs van 90%.<br />
Die tweede eindom het ek oor 20 jaar finansier.Met behulp van die Property Pro<br />
program het ek bereken dat deur net die termyn te verleng na 30 jaar, `n<br />
positiewe kontantvloei uit die eiendom nou moontlik is.<br />
Hierdie afgelope jaar het my geleer om verantwoordelikheid te neem vir my eie<br />
welfaart en meer geleenthede raak te sien en te evalueer.<br />
Hannes, baie dankie vir jou Mentor-program want dit gee vir ons die agtergrond,<br />
leiding en motivering om te versnel in hierdie bevrydende ervaring wat ons<br />
finansieël vry gaan maak.<br />
Groete<br />
Stadler en Lorinda Kirsten<br />
Thursday, September 29, 2005 Stadler Kirsten<br />
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It had long since come to my attention that people of<br />
accomplishment rarely sat back and let things happen to them. <strong>The</strong>y<br />
went out and happen to things.<br />
Elinor Smith<br />
<strong>The</strong> power of Why!<br />
Finding your true self and what you really want to achieve on this earth has<br />
become for me the real goal. What makes me the happiest? Most of us spend all<br />
our time living the "acceptable life" instead of OUR life.<br />
As described by Hannes, I started right at the beginning with life questions and<br />
goal setting. <strong>The</strong>n I began doing daily repetitions, visualizations etc in order to<br />
achieve these goals. I had a long list of goals but wanted to initially focus on a<br />
few goals. So I left out goals which I wanted, but thought could be achieved later<br />
in life (non material goals). While I achieved some of my goals on my list, others I<br />
did not. Some of these goals that I did not achieve were very important goals to<br />
me (material goals), or so I thought! I could not understand why I did not achieve<br />
these goals?<br />
So I started to analyze the goals I had not achieved, searching for an answer.<br />
And what I discovered was a way of truly knowing for myself if I want that<br />
particular goal or not. I discovered that although I had set a particular goal that I<br />
thought I really wanted, I soon realised that I did not have the follow through or<br />
action that was necessary to achieve this goal. Why? Because at this particular<br />
stage in my life I actually did NOT want this particular goal!!! UNBELIEVABLE<br />
and so simply stupid!!<br />
Now this small realization puts many things into perspective. It’s an awesome<br />
and simple way of quickly assessing if you really want something at a particular<br />
stage in your life or not! Often we are conditioned by society to believe that we<br />
want something, but the truth is quickly revealed.<br />
So by continuously following this technique I will always be able to establish at a<br />
given time in my life what I REALLY want to achieve, and if I give up the<br />
technique...........well then I know why :-)<br />
If there is no action to follow the set goal then it’s an early warning sign to re-look<br />
that goal through. <strong>The</strong> power of WHY reveals itself by the actions that follow. So<br />
getting it right in the beginning will pave the way for a wonderful journey and a<br />
beautiful ending :-)<br />
I have by the way purchased together with my wonderful girlfriend two properties<br />
with two dwellings on each property which have a rental income far greater then<br />
the bond repayments :-)<br />
And Hannes you should put smiles on these pages for the people to access.<br />
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Cheers all!!!<br />
Thursday, September 29, 2005 Massimo Guerini<br />
One never notices what has been done. One can only see what<br />
remains to be done<br />
Marie Curie<br />
Hannes<br />
Eers ‘n bietjie agtergrond. Ekonomie, en ekonomiese wetenskappe was nog<br />
nooit iets wat my vreeslik aangetrek het nie. Op skool het ek by voorbeeld net<br />
rekeningkunde gehad in st.6/7. En dit was al moeilik genoeg om ‘n grootboek<br />
geballanseer te kry. My belangstelling lê wel in syfers maar meer in die<br />
wetenskaplike rigting.<br />
Tot baie onlangs was dit vir my heeltemal goed genoeg om vir die res van my<br />
lewe vir ‘n baas te werk. Ek het nog altyd ‘n baie posetiewe lewensuitkyk gehad<br />
en glo vas dat as ‘n mens geniet wat jy doen, dink wat jy doen, inisiatief aan die<br />
dag lê en self gedrewe en gemotifeerd is, dat daar altyd ‘n plek sal wees vir so ‘n<br />
werknemer.<br />
Na ‘n geleentheid waar ek saam met my gesin, vyf jaar in Switzerland gewerk<br />
het, het ons terug gekom en met ons spaargeld ‘n erf in ‘n luukse ontwikkeling<br />
gekoop. Die gedagte was om hier ons droom huis te koop. Ongelukkig het dit<br />
bietjie langer geduur met die “red tape” en moes ons nog eers ‘n rukkie huur<br />
voordat registrasie kon plaas vind.<br />
Dit was in hierdie tyd dat ek die gratis “Hannes Dreyer” seminaar in die Beeld<br />
raakgelees het. Die enigste rede waarom ek besluit het om te gaan was omdat<br />
dit gratis was. My eerste indruk van Hannes was ook nie van die beste nie.<br />
Arogant, heeltemal te selfversekerd en oordonderend. Tog het die inhoud my<br />
aangegryp. Dit het gemaak dat ek met ‘n paar ander vriende gesels het. Dit was<br />
nog moeilik vir my om so ver te kom om my eie lewensfilosofie, wat tot dus ver<br />
nog baie goed vir my gewerk het.<br />
Na ‘n laaang oorweging of dit ‘n goeie ding sou wees om die R2900 te spandeer<br />
om die PropertyPro kursus by te woon (moes ook nog my vroutjie oortuig dat dit<br />
die moeite werd is, alhoewel ek self nog nie heeltemal oortuig was nie) het ek uit<br />
eindelik die kursus in Jun 2004 bygewoon. Met die kursus het iets gekliek. Iets<br />
waaroor ek baie opgewonde was, maar ter selfdertyd het dit my ook baie bang<br />
gemaak. Ek moes uit my gemak-sone, al die planne van ‘n droom huis ens.<br />
moes verander, en die moeilikste van alles was dat ek my vrou moes oortuig van<br />
my nuwe planne.<br />
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Dis nou 12 maande later, ek het die erf geregistreer gekry en verkoop teen ‘n<br />
wins. Ons het ‘n klein, eenvoudige meenthuis gekoop en nog ‘n hele klompie<br />
kontant oorgehou. Ons het na ons begroting gekyk en ons lewe so ingerig dat<br />
ons tans ‘n na belaste surplus van R10 000pm het. Ek het ‘n groep vriende<br />
bymekaar gemaak van ongeveer 15 wat almal dieselfde doel en verstaan van<br />
eiendomme het. Ons lees boeke, ruil inligting uit gaan na kursusse en skool ons<br />
self so ver moontlik. Een van die groeplede is ‘n paartjie wat as wildbewaarders<br />
op ‘n plaas in die Limpopo werk. Hulle gesamentlike inkomste is so laag dat hulle<br />
nie eens nodig het om ‘n belasting vorm in te vul nie. Tog het hulle dit reg gekry<br />
om ‘n woonstel in Pta-Noord te koop waar hulle tans R1500 van hulle surplus<br />
moet gebruik om die verband te betaal. Binne 12 maande het hulle ook ‘n tweede<br />
woonstel in Palaborwa gekoop.<br />
Ons is tans besig met ‘n eerste belegging en beide ek en my vrou is baie<br />
opgewonde oor ons nuwe toekoms. Nie alleen gaan ons bates gebruik om ons<br />
lewensstyl te finansier nie, maar deur in ‘n baie klein plekkie te bly spaar ons<br />
baie aan dinge soos meubels en die tuin. Verder het ons ook baie meer<br />
gesinstyd, want ons hoef baie minder tyd aan die klein tuin en huis te spandeer.<br />
Toe ek van die mentor program gehoor het was ek ook baie opgewonde. Dit was<br />
egter ook ‘n aanvanklike teleurstelling. My verwagting was om te sien hoe die<br />
R1000 omskep word in oorvloed deur slegs van eiendomme gebruik te maak. Ek<br />
was nog nie gereed om myself as ‘n intrupuneur te sien nie. Ek het mislei gevoel<br />
toe ek agter kom dat die aanvanklike kapitaal gegenireer is sonder om van<br />
eiendomme gebruik te maak. Gelukkig het ek nie daar opgegee nie en is tans<br />
besig om soortgelyke geleenthede te ondersoek.<br />
Thursday, September 29, 2005 Pieter Bos<br />
Never lose sight of the fact that the most important yardstick of your<br />
success will be how you treat other people …your family, friends, and<br />
coworkers, and even strangers you meet along the way<br />
Barbara Bush<br />
Hallo Hannes,<br />
How do I describe my success story? I can’t say that I have this big success<br />
story. It is rather a lot of small victories that I define as my success story.<br />
I have attended your Property Pro workshop last year and since then have<br />
bought two properties. I also made offers on three other properties that were not<br />
accepted. This did not matter, as increasing the offers would not make the<br />
properties such a good buy anymore.<br />
Since I bought the two properties I was so busy to renovate and get it livable, that<br />
my family life suffered as a result. Only later did I realize that it was to be with my<br />
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family in the first instance that I started on this journey as a multiple property<br />
owner so we can have lots of passive income, not need to go to work every day<br />
and have more time together.<br />
I now realized it is sometimes better to pay somebody to do the work for me even<br />
if I can do it myself. This frees up my time to do other things. It also leads to<br />
getting a property sooner ready for tenants and income that leads to a positive<br />
cash flow.<br />
One of our properties did not have a positive cash flow. Now we are busy<br />
changing it so we can use the outbuildings as two bachelor flats and letting these<br />
separately from the house. When the property is fully let we will have a positive<br />
cash flow on this property. We bought this property for free. On the other<br />
property we will have a positive cash flow by next year when the rent is increased<br />
with inflation.<br />
Being so busy with the renovation of the two properties delayed my enrolling in<br />
the mentor course, as I didn’t work on the computer a lot and then only to write<br />
the extremely urgent e-mail. How I missed an opportunity in not subscribing<br />
immediately when you started the mentor course!!! (But rather late than never!!!)<br />
Since starting your mentoring course, a few things have definitely changed. I<br />
think it is the perspective that you have brought.<br />
We put our TV in one of the properties that we rent out furnished. This step has<br />
led to an increased focus on our business activities and much more family time.<br />
Newspapers are banished and those that somehow make into the house are only<br />
used for covering the table before the children begin their paint sessions.<br />
<strong>The</strong> past few weeks on this mentor course have certainly been an eye opener for<br />
me. I learned that anybody can be an entrepreneur by learning the necessary<br />
skills and applying it.<br />
<strong>The</strong> best business tip so far from you, Hannes, is that for a business to be<br />
successful it needs a positive cash flow.<br />
I may not become a millionaire in the first year, but I am confident I will be one<br />
when the mentoring course finishes.<br />
Regards<br />
Gerhard Hattingh<br />
Thursday, September 29, 2005 Gerhard Hattingh<br />
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Hi <strong>The</strong>re<br />
I believe Hannes was instrumental in shaping my future, my way forward. When I<br />
knew that what I did wasn’t working I was ready for change. BUT. I didn’t know<br />
what I needed to change to be successful. Well, you guessed it. Everything had<br />
to change. You cannot change one aspect of your life and think you’ll be<br />
successful. You have to create a new way of life. This is just one of the things I<br />
learned from Hannes. <strong>The</strong>re is a saying: `When the student is ready, the teacher<br />
will appear`. It was never truer in my life than now. Hannes, thank you for sharing<br />
your passion with us, your students.<br />
Well, something you say often is `Do something`. I decided to take that literally<br />
and started applying that.<br />
<strong>The</strong> 1st thing I had to do was look at my own situation. My expenses were too<br />
high!<br />
I am living in a R3.5 million house and it is costly to run. While we can afford it at<br />
the moment, I decided that we had to put that on the market to reduce our<br />
expenses. <strong>The</strong> other money can be saved to open a guesthouse when the right<br />
house presents itself.<br />
Unfortunately my partner is still stuck in the old ways. I don’t have time to loose. I<br />
had to make a choice and I did. <strong>The</strong> house is being marketed now.<br />
When it is sold I’ll buy a house with a flat and occupy the flat. (Yes Hannes, I got<br />
that from the game.) That way I can still get to do the garden, which I love to do,<br />
and stay for free.<br />
In the meantime, I looked at a lot of properties, asked a lot of questions and<br />
made offers on a few properties. Some were accepted, others weren’t.<br />
I created a Closed Corporation in which to buy some of the properties.<br />
I now have properties in different stages.<br />
Property 1 has a positive cashflow. It’s been rented out for the last 6 months and<br />
it’s really going well.<br />
<strong>The</strong> 2nd property was a motivated seller. I got it for a good price. <strong>The</strong> bond was<br />
approved and I signed the documents already. Just waiting for the transfer now. I<br />
am converting the garages to a second two bedroom house. <strong>The</strong> property will<br />
have two entrances, and the plot is large enough for each of the occupants will<br />
have a private garden. <strong>The</strong>re is enough space to build a 3rd house later, if I have<br />
cash to spare again and if I can get building permission. I have occupants for the<br />
completed part of the house. I’ll put in occupants in the other part as soon as the<br />
changes are completed.<br />
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<strong>The</strong> 3rd house’s offer and bond has been approved. I am¬ finishing the<br />
Convertion of the garage into a flat and the garden must still be done. When both<br />
the house and flat has been rented the property will pay for the bond and I got<br />
another property for free.<br />
<strong>The</strong> offer on the 4th house¬ was accepted. I am buying this one with my sister.<br />
By now the banks are getting jittery. We are still in the process of convincing<br />
them to give us the money. If they do, the garage can be converted into a flat and<br />
there is enough space (plot big enough) to build another house in due time. It is<br />
also the perfect place to start a guesthouse. We are still doing the sums and<br />
deciding what we are going to use it for. No more plans until we get the money.<br />
While I believe we have to have a goal - starting a guesthouse - I don’t want that<br />
to influence how I negotiate with the bank, I have to keep emotions out of it, so,<br />
first things first.<br />
Talking of my sister, I have to tell you her story as well. I got so carried away with<br />
the property game that I looked for properties in her area as well when I visited<br />
her in Kimberley. She got roped in and now we are buying our first property<br />
together. She is a woman suffering from bi-polar depression. She told me the<br />
other day, that the properties was keeping her so busy she doesn’t even have<br />
time to be depressed anymore. Hallelujah! I must say, it is so good to see her<br />
productive and happy again. I just wish she had internet access so that she can<br />
do your course as well.<br />
This is intoxicating. Hannes, you should know.<br />
My best property deal so far is a reasonably high risk undertaking, but I am<br />
prepared to take the risk on this one. Someone I know was experiencing financial<br />
difficulties. He is busy with a project of building a house and then renting it out<br />
before building the next one. He is a builder by trade and bought some land to do<br />
this. He has building plans approved to build 14 units. He built their own home<br />
first and then started the next 3 units simultaneously. He ran into financial<br />
difficulty and the bank was breathing down his neck. We negotiated and came to<br />
an agreement. In effect, I bought a brand new 2 bedroom flat for R50 000. No,<br />
this is not a misprint, it is Fifty Thousand Rand. He gets the income from rentals<br />
for the 1st three years and then I take ownership of the unit. ‘My’ unit has been<br />
completed and is already rented. <strong>The</strong> 3rd unit is also complete and will be let<br />
soon. I know these people and I trust them, but we drew up a contract, covering<br />
all scenarios.<br />
With all these properties I needed a rental system. I rented my 1st property out<br />
through agents and ended up having more problems with the agents than with<br />
the tenants. I now rent directly to the tenant and we are both happier with this<br />
arrangement. <strong>The</strong> PrivateLesson initiative is perfect for my requirements. I joined<br />
just before traveling overseas and will start adding my properties and tenants<br />
now.<br />
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One of my relationship goals was to visit my sister in York, England. She’s been<br />
staying there with her family for four years and I haven’t seen her in all that time.<br />
I missed her and decided I was going.<br />
Another relationship goal is to get closer to my children without interfering with<br />
their lives and decisions. <strong>The</strong>y are both over 21 and I want them to live full and<br />
happy lives.<br />
On 7 September 2005, me and my son (24) flew out on a two week trip to see my<br />
sister and combined that with visiting two younger people we know there. We<br />
visited London, York, Scarborough and Attenborough (Scotland). We came back<br />
last week and enjoyed ourselves. My son and I are closer to each other now.<br />
<strong>The</strong>re is nothing like family is there? I am thrilled that my son could share it with<br />
me. My next goal on this subject is to take my daughter (22) to Australia with me.<br />
I want to go visit my friend over there and also look at some properties over<br />
there. I am also planning to attend the <strong><strong>For</strong>mula</strong> 1 race over there next year as<br />
following the F1 races is one of my recreational hobbies.<br />
In conclusion, I am still working and enjoying it, but I want to get out of the<br />
scenario of having to work. I am a contractor and it is a constant worry that the<br />
contract can be cut at any time. I am building up my property portfolio now to be<br />
able to work because I enjoy it, not because I have to eat. It is also easier to<br />
negotiate with the banks if you have employment.<br />
I have too many goals to mention them here, but some of the goals still waiting is<br />
losing some weight and becoming fitter. It’s okay though, Rome wasn’t built in a<br />
day.<br />
I am looking forward to the rest of the course. <strong>The</strong>re is so much to learn, so much<br />
to do and in so little time.<br />
Regards<br />
Christina J Heystek<br />
Thursday, September 29, 2005 Christina Heystek<br />
Success can make you go one of two ways. It can make you a prima<br />
donna, or it can smooth the edges, take away the insecurities, and let<br />
the nice things come out.<br />
Barbara Walters<br />
Hi Hannes<br />
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As you have taught me success does not only mean financial success but rather<br />
to have a balanced successful life in all the wonderful ways we can experience it.<br />
Because of this I strive to make all my experiences class 1 or class 2 types.<br />
Thanks to you and the things you have taught me on the Property Pro course,<br />
Advance Property Investment Course and the Mentor Program, we are the proud<br />
owners of three properties and on our way to becoming financially free.<br />
We have started two businesses, one my wife Yvonne runs and the other I run<br />
but they are linked so we get to do things together (learning from you and Tanja).<br />
Once again thanks to you, we have the correct structures set up to run and<br />
manage these businesses and our affairs.<br />
Now for the big deal/story.<br />
Back to the class 1 type experiences. My biggest and best type 1 experience I<br />
have experienced and still am experiencing was getting married to my beautiful<br />
wife Yvonne.<br />
Thanks Hannes and Tanja for making a positive impact in our lives.<br />
Regards<br />
Mark and Yvonne<br />
Thursday, September 29, 2005 Mark Balios<br />
Hi Hannes<br />
My success story is very simple. <strong>For</strong> the first time in my 39 years on this planet, I<br />
have formally written down my goals, courtesy of the Mentoring Program. <strong>For</strong> the<br />
first time I am able to see daily where I am and where I want to go. <strong>For</strong> the first<br />
time I am able to balance according to the wheel of life. I was guilty (ask my wife)<br />
of dreaming, eating, sleeping, only financial independence with little or no time<br />
for family or anything else.<br />
<strong>The</strong> biggest joke is all the time I spent trying to obtain financial freedom was that<br />
I had no benchmark/yardstick or written plan on how I was going to get there.<br />
Although we are again at the beginning of our journey (no longer just me) we<br />
now have the tools with which to put a plan together, with the blessing of my<br />
wife/children.<br />
I do not know what the future holds, but do know that through dedication and<br />
balance, I can reach out and attain my goals.<br />
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Without wanting to be negative (I now try and think only positive thoughts through<br />
visualization and affirmation), it pains me to see how I was jumping from one<br />
thing to the next, making no headway at all. On the positive side I needed to do<br />
that in order to get to where I am now - a mentoring student.<br />
Thanks & regards<br />
Gunther<br />
PS I am currently investigating 2 business opportunities and will definitely keep<br />
you posted.<br />
Thursday, September 29, 2005 Gunther Keil<br />
Success is not greedy, as people think, but insignificant. That is why<br />
it satisfy nobody<br />
Seneca<br />
Hannes,<br />
Thank you for you and your teams persistence. Every week I would open my email<br />
and there it would be once again, an e-mail from the wealth creation team<br />
notifying us of the Mauritius Holiday. Every time I would think " Jacques you can’t<br />
enter because you have not yet achieved that "BIG ONE" that would make<br />
everyone sit up straight and say ` my goodness but he really is successful " and<br />
then the delete button would be pressed, just to receive another reminder the<br />
following week.<br />
<strong>The</strong>n this week my lights were switched on when I opened my e-mail and<br />
realized that like you said you were not looking for an end result but for success<br />
stories and that success are all those small goals that we achieve along the way.<br />
Those goals that we most of the time take for granted. I decided its time for me to<br />
do some “stocktaking" of my own life over the last year. (Surprise surprise)<br />
My personal goal was to acquire, for my Family Trust a property with river<br />
frontage on the banks of the Nahoon River in East London. <strong>The</strong> initial goal was to<br />
build and move in by 01 June 2005, it’s now 23 September 2005 and the<br />
property were registered into the Family Trust’s name on 16 September 2005.<br />
<strong>The</strong> architects are busy with the plans and we plan to start building in December<br />
2005. (Little late but it happened) Today my son and I stood on the plot and we<br />
realized that our dream come true.<br />
<strong>The</strong> Deal: at the time I negotiated the deal, we agreed on a asking price of R 250<br />
000, currently with the property market being so high and the scarcity of prime<br />
land in East London the vacant plots around our plot have had offers of up to a<br />
million rand .I swapped my share in a building for the plot so had no cashflow<br />
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outlay except transfer duties and got a good discount from the transferring<br />
attorneys as well. My initial capital input in the building were R 160 000 two years<br />
ago. (did loose my passive income on the rental income of the building though,<br />
compared the dream come true against the passive income I choose the<br />
dream).Although I have not made any money on this deal and don’t intend selling<br />
the property it is a wonderful feeling to know that if you put your mind to<br />
something it can be achieved, especially with the support of my son and<br />
daughter in this specific case.<br />
Over the last two years I have not earned a lot of money from the Real Estate<br />
business in which I own 33 % and we as a family would hardly have been able to<br />
survive on my income if it were not for my wife Rina, she kept us going while I am<br />
looking for the big deal. I invested in myself by reading and studying “Rich Dads "<br />
books. I thought I knew a lot about property, from what I have learned from “Rich<br />
Dad” and being involved in the real estate market. I have bought and sold a<br />
couple of properties during this period but without really knowing how to manage<br />
the risk, every time a sale was concluded successfully it was an amazing feeling.<br />
<strong>The</strong>n I heard about Hannes Dreyer’s Property Pro Seminar in Port Elizabeth and<br />
attended it. (Must add that I were a bit confused but very excited at the end of the<br />
seminar with all the new information) I went back to East London and looked at<br />
each deal differently, looking for the deal behind the deal. Needless to say they<br />
were there, and within three months after attending the Property Pro Seminar I<br />
had bought four residential properties. Three of which showed a positive income<br />
from day one (in a market like this, no-one could believe it were possible). I have<br />
no cash or very little cash outlay on these properties because of your lesson with<br />
the R 100 note. (Thank you Hannes, every time I have to take out cash I think of<br />
that lesson and it burns my a... to use my own cash.). I got myself a partner that<br />
were not involved in the property market but wanted to get into property. I<br />
structured the deals in such a way that he would pay all expenses towards<br />
transfer duties and fee’s and for that would own 50 % of the property. <strong>For</strong> my<br />
effort of finding the property and negotiating the deal I own 50 %. Any alterations<br />
we would go 50/50. (<strong>The</strong> properties we bought varied from R 140 000 - R 700<br />
000)<br />
During the Property Pro seminar you mentioned that we should buy from<br />
motivated and uninformed sellers, with that in mind I have acquired 2 pieces of<br />
land to be subdivided. <strong>The</strong> agreements are drawn up that I will pay for<br />
subdivision and acquire finance after subdivision. <strong>The</strong> period it takes to subdivide<br />
and lift restriction will give me time to sell this property again and at an increased<br />
price. Cash outlay of approx. R 30 000 and I will sell at a profit of approx. R 450<br />
000 comparing with similar plot sold.<br />
I have also booked two plots in a new country estate development, first of its kind<br />
in East London. Resale’s will start any day now and there is at lease R 80 000<br />
profits to be made on each of the plots at this stage. Services will only begin to<br />
be installed in November 2005 and registration will only take place in June 2006,<br />
so the plots should grow in value. I have given small deposits of R 10 000 on<br />
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oth these plots but got away with not having to give guarantees for the balance<br />
of the purchase price.<br />
Two months ago someone told me about an idea they have for a national<br />
marketing business. This has been an idea for some time and knowing the guys<br />
would stay an idea. I knew that if I don’t take action nothing will happen to that<br />
idea. After going through your notes of the mentoring programme I called a<br />
meeting with all the relevant parties and a joint venture agreement were signed. I<br />
proposed a plan of action on how to begin this company with as little risk as<br />
possible and a positive cashflow even before we have started. Thank you<br />
Hannes, once again all the answers were in your notes. I now own 45% shares in<br />
the new company. All the agreements and contracts were drawn up for free by<br />
the attorneys to whom we will send all our future business. We decided not to<br />
employ employees but to sell licenses to individuals giving them exclusive right to<br />
operate under our company name, creating a positive cashflow for the company<br />
even before we started operating. <strong>The</strong> first ten consultants are to be signed on<br />
and trained next week. My risk to date is approx. R 1 800 (a car trip to<br />
Johannesburg and an advert in the Beeld news paper).We have empowered the<br />
consultants and only take 20 - 30 % of their turnover. (A Little from a lot of<br />
peoples efforts will earn me a good passive income)<br />
Again as yet I have not earned any income from this venture but I have realized<br />
that my success is not only money, we were successful by getting the business<br />
set up in this way and we could only achieve this by thinking outside the box.<br />
While doing the mind power coarse my whole family became involved and it had<br />
such an impact on my son Ruan, that he today believes its is one of the reasons<br />
why he played Cravenweek U18 Rugby this year. We will be traveling to Durban<br />
tomorrow for an interview with the Shark Rugby Academy to enroll him.<br />
Personally I have changed tremendously in the last year, from the moody<br />
husband and father to a more supportive husband, I have found that the more I<br />
support Rina the better she does in her career as estate agent. I find that I don’t<br />
say no to my kids anymore without at least listening to their request first. MY son<br />
and I have become very close friends, where before we were forever fighting.<br />
Ruan is in matrix now and because of my enthusiasm about property he has<br />
attended some seminars with me and can’t wait to go into business with me.<br />
Rina by the way do not procrastinate for one second, one of my weaknesses<br />
which I have identified and am working on to improve.<br />
I found that similar people attract each other and am now a member of the Port<br />
Rex Vryburgers, an organization that does fundraisers for needy people. Most of<br />
the members are successful businessmen in East London, with a passion to help<br />
other people. I have also been elected as chairman for the camp committee at<br />
our church, something I would never have been involved before. Perhaps this is<br />
the beginning of a more balanced life.<br />
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Some days I still get very impatient but realize now that it is not one big event<br />
that must happen for us to be successful. We should take note of the all the little<br />
successes that we have and that it’s not only money that is success, but a<br />
balanced life.<br />
Jacques Jordaan<br />
Thursday, September 29, 2005 Jacques Jordaan<br />
Success follows doing what you want to do. <strong>The</strong>re is no other way to<br />
be successful<br />
Malcolm <strong>For</strong>bes<br />
<strong>The</strong> day I decided my Lifestyle is going to change.<br />
Back ground.<br />
I am an IT Consultant .I am very successful in my career, but was never satisfied<br />
with my job. I was not myself. I felt trapped and did not want to accept the road<br />
that lied ahead for me .I have not completed my BSC Management Science<br />
degree at university and felt like a half breed that does not fit in anywhere. I and<br />
a friend have tried some money making schemes, but we learned the hard way<br />
that it was just as it says, a scheme.<br />
I was invited by the same friend to a free seminar of Hannes Dreyer which he<br />
saw in a news paper advertisement. I have made some money before on<br />
property, so I thought to myself let’s give this a try and see!!!<br />
I went to Hannes’s seminar, one afternoon after work .I was very skeptical at first<br />
but soon realized that this is something that is taking my interest by storm .Myself<br />
being the person that I am, that does not believe anything someone tells me .I<br />
have learned the hard way. I looked at these calculations in front of me, on the<br />
presentation board and could not believe what I was seeing. It was too good to<br />
be true, and true it was. <strong>The</strong>re and then I decided that I am going to attend the<br />
Property School one day Course.<br />
This was the moment that my life and lifestyle started changing. Hannes says:<br />
“Life is NOT about one major change; it is about doing the right things<br />
constantly.” This is so important to me.<br />
After the one day Property School course I saw everything in a different<br />
perspective .Before I thought I knew everything about property, but I actually<br />
realized that I knew nothing.<br />
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It is now ten months down the line and I can proudly say that I am a successful<br />
product of Hannes Dreyer.<br />
I decided to make a lifestyle change and auctioned it. My financial status and<br />
outlook took a 180 degree turn instead of heading for a disaster, I am heading for<br />
real financial freedom .I know how to let my money work for me. I live a<br />
comfortable life now. And I know that I am going to retire well. I have built several<br />
passive income streams in this short time. I have geared myself for my next free<br />
property. This drastic change in my life inspired me in such a way to recognize<br />
the same frustrations in my wife’s working career, the same signs I now could<br />
clearly identify. I explained to her the courses I attended and she read all the<br />
material and listened to the CD’s and DVD’s I bought. We both took a conscious<br />
decision and thought of an idea for her to work from home to ensure an income<br />
.She resigned after 15 years working as a secretary, being someone’s dog’s<br />
body. Her mind change was absolutely amazing, almost like a reinvention, and<br />
she now constantly think of business ideas for us to explore. She is now working<br />
from home for 6 months, being very successful as a consultant .<strong>The</strong> business is<br />
growing satisfactory every month. <strong>The</strong> drastic change of ‘wanting to change your<br />
mind’ to be able to identify ones own capability. She now lives her life by the<br />
motto that NOTHING IS IMPOSSILBE! My wife and I are very happy and grateful<br />
.Together we are working towards our goals. We are very closer to each other<br />
and closer to God. I feel like a man with a Masters Degree in success. I now<br />
have the keys to continue to be successful and financially free.<br />
I have reached some of my goals already .But have not reached all my goals as<br />
yet, but they are clearly defined .I am not rich as yet, but will be soon! I can not<br />
retire as yet, who wants to retire in any way at the age of 30. But I became<br />
financially independent in ten months time with Hannes’s <strong>Wealth</strong> Mentoring<br />
course and Property workshops. I know that my life will look totally different in 5<br />
years time from now, after I have completed the <strong>Wealth</strong> Mentoring Course of<br />
Hannes Dreyer.<br />
Two of the most important things that Hannes taught me so far, and that will<br />
forever stay with me is:<br />
Take action (Responsibility), Invest in yourself. I know I will learn a lot more from<br />
Hannes, with time to come. Hannes is a man who is sharing his live story with<br />
everyone who is willing to learn and to change, of his experience that he build up<br />
over the years. I have a lot of respect for Hannes for doing this, because I know<br />
that this is not an easy task. Thank you Hannes for sharing this with me” us”, you<br />
changed my life.<br />
If someone may happen to read this and think that this is not possible but still<br />
want to change .Get of your chair and take some action. It is not going to happen<br />
for you .You need to make this happen. And if you are willing to change your<br />
Lifestyle, Hannes’s <strong>Wealth</strong> Mentoring Course is for you.<br />
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Hannes knows how to teach you the secret to change not only your life but your<br />
lifestyle.<br />
Thank you for this opportunity<br />
Christo Tolmay<br />
Thursday, September 29, 2005 Christo Tolmay<br />
Hallo Hannes,<br />
Die eerste keer toe ek een van jou seminare bygewoon het, was ek redelik<br />
stomgeslaan. Kort voor daardie dag het my man tuisgekom en vir my gese dat hy<br />
op die punt staan om al sy polisse te kanselleer, aangesien hy die geld beter kon<br />
laat groei. Hy het ook aangedui dat die maatskappye wat al hierdie polisse<br />
administreer dit nie vir die pret doen nie, hulle maak geld daaruit, en dat ons<br />
beter kan doen indien ons self vir ons toekoms voorsiening te maak. Dit het<br />
amper geklink of hy vooraf een van jou sessies bygewoon het.<br />
Wat ek van jou benadering hou, Hannes, is dat jy mense forseer (die wat wil, in<br />
elk geval!) om vir hulle self te dink en eienaarskap te neem vir hulle eie welvaart<br />
vorentoe, sonder om vir hulle presies te vertel wat hulle moet doen. Elke keer<br />
wanneer iemand jou gevra het wat hulle in `n sekere situasie moes doen, was<br />
jou terugvoer gewoonlik "wat sou jy doen?" OF "hoekom dink jy so?" OF "DOEN<br />
DIE SOM!!!" In kort, jy leer mense om vis te vang, jy gee nie vir hulle die vis nie!<br />
Ek het gedurende hierdie jaar oorweeg om 2 verskillende eiendomme te koop,<br />
maar besluit om dit liefs nie te doen in daardie stadium nie (al het my vingers<br />
gejeuk!), hoofsaaklik agv die volgende redes wat verband hou met wat jy vir ons<br />
geleer het:<br />
Beide besluite om te koop sou op emosies gebasseer gewees het (familie<br />
betrokkenheid) sonder om op daardie stadium die SOM behoorlik te verstaan.<br />
My kundigheidsvlak om die koop van die begin af in die `regte` regspersoon te<br />
maak was nog onaanvaarbaar laag. Ek het nog bittermin van trusts geweet, wat<br />
ek graag wou benut in die beplanning van ons welvaart vorentoe. (Ek het<br />
intussen die trust werkswinkel bygewoon, en is nog besig met verdere ondersoek<br />
om die beste opsie(s) vir ons te struktureer.)<br />
Ek het verder ook my besluit aan myself herbevestig dat my gesin vir my baie<br />
belangriker is as `n dolle gejaag na groei in my beroep, aangesien dit my verder<br />
van kosbare tyd sou beroof om met my man en dogtertjie en ons toekoms saam<br />
te spandeer (ek het bevordering van die hand gewys aangesien dit implisiet sou<br />
beteken dat ek heelwat meer ure aan my werk sou moes spandeer en minder tyd<br />
tuis)<br />
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Ten laaste wil graag se dat ek die volgende baie waardeer van jou:<br />
• Jy gee nie om om openlik te erken dat jy `n Christen is nie<br />
• Jy gee nie om om openlik te erken dat Tanja en jou gesin jou lewe is nie<br />
• Jy is bereid om eerlik en openlik jou kundigheid te deel en almal uit te daag om<br />
beheer van hulle toekoms te neem, veral met jou mentor program<br />
• Jy deel altyd `n gedeelte van jou opbrengs met `n instansie van jou keuse (in<br />
hierdie geval Pretoria Skool vir Serebraal Gestremde Kinders), en ten laaste<br />
• Jy gee nie om om trots Afrikaans te wees nie<br />
Baie dankie vir jou inspirasie, doen so voort!<br />
Vriendelike groete,<br />
Lynette<br />
Thursday, September 29, 2005 Lynette Minnaar<br />
Hallo Hannes<br />
My lewens verhaal is glad nie rooskleurig nie. Ek het geweldig arm groot geword.<br />
My ouers het geboer en het `n baie primitiewe lewe gelei. Dit, opsig self, was<br />
goed. Wat sleg was, was dat ek gebreinspoel is met die stelling dat dit mens<br />
betaal op arm voor te kom. Dit het verseker dat my ouers subsidies op<br />
koshuisfooie ens. kon kry. Ongelukkig het dit `n baie lelike letsel op my hele<br />
denkwyse gelaat. So het ek dan geglo dat ek ARM moet wees. Hoe eenvoudig<br />
kan mens nie wees nie!!<br />
Ek het verder gaan studeer met `n beurs wat ek ontvang het. Dit sou my dalk<br />
onder die swart mantel van armoede laat uitkruip. My geleerdheid kon my nie uit<br />
die wurggreep van die armsalige kingerjare kry nie.<br />
Na aanleiding van dit als besluit ek om een van my drome na te streef. Ek wil<br />
vlieg! Vir die eerste keer het ek vryheid beleef en geweet ek doen iets vir myself<br />
en omdat ek die begeerte het om dit te doen. Ek het gehoop iemand sien my<br />
talent as vlieenier raak en gee my die groot BREAK wat ek nodig het. (Dit het nie<br />
gebeur nie)<br />
Die lewe stap aan en ek is met Carol getroud. Ons is reeds meer as tien jaar<br />
getroud. Ek het `n tweede droom, dit was om weer op die plaas te gaan woon.<br />
Die geld was maar skraps en die plaashuis het krag en kaste nodig gehad. Ek en<br />
Carol besluit om `n pizza winkeltjie te koop. My vrou werk in die dag en ek in die<br />
aand na werk. Daarmee kon ons geld bymekaar maak om krag te instaleer en<br />
kaste in te sit.<br />
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So begin ons deeltyds boer. Dit gaan goed maar nie uitstekend nie. Ons is<br />
nogsteeds die gemiddelde huishouding. Met `n vrou vir wie ek baie lief is en drie<br />
pragtige kinders was my lewe amper volmaak.<br />
My drang om nog beter te doen was nog altyd daar. Kinders word groot en wil<br />
dalk gaan swot en ek het geweet soos my huidige finansies is gaan dit baie<br />
moeilik wees om kop bo water te hou.<br />
Op die ouderdom van 39 hoor ek vir die eerste keer van Hannes Dreyer se<br />
mentorskap program. Ek skakel en die CD van jou gratis seminaar word vir my<br />
aangestuur. Ek en Carol het dit omtrent verslind. Ons was albei so uitgehonger<br />
vir stabile vars inligting wat ons sou help om `n beter lewe te kan lei. Een ding<br />
het ons wel geweet dat dit nie `n kits-ryk program gaan wees nie, en dit het ons<br />
dadelik gemaklik gemaak om te weet dat dit van onself en nie iemand anders<br />
gaan afhang nie. Jy is in beheer oor jou eie besluite!<br />
My en Carol se verhouding het geblom want ons WERK SAAM. Elke dag daarna<br />
is `n uitdaaging.<br />
Ek is nog nie ryk in geldwaarde nie, maar deur die regte dinge stap vir stap te<br />
doen saam met my lewensmaat, glo ek dat dit my ook beskore gaan wees.<br />
Ons het verder gegaan om in onsself te bele en jou Property Pro kursus<br />
bygewoon. Nou kan ek se dat ons, ons eerste eiendom op die regte manier<br />
gekoop het. Ons het eers die Property Pro sagteware gebruik om te bevestig of<br />
dit wel die regte koop is, en dit is beslis. Die koop is nou gebaseer op feite!<br />
Ek sal nooit weer terugkyk nie. Daar is soveel positiewe lewenlus in my are en dit<br />
net omdat die groot vet skille van my oe afgeval het.<br />
Dankie Hannes<br />
Groete<br />
Don Barrie<br />
Thursday, September 29, 2005 Don Barrie<br />
Success follows doing what you want to do. <strong>The</strong>re is no other way to<br />
be successful.<br />
Malcolm <strong>For</strong>bes<br />
Hannes says...<br />
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I have had a temporary slump recently and have not been able to get myself<br />
going for a while for various reasons. But all the time, I just think of what "Hannes<br />
says...” in the various lessons and that the way forward is to take action.” <strong>The</strong> car<br />
won’t go unless you take action". So with new-found energy, I have determined<br />
to just keep going - to never give up, even if there are temporary set backs.<br />
It was so exciting this evening to share with some friends some of the lessons I<br />
have learned from you. My friends have started investing in property, and have<br />
done amazingly well in a short space of time, but they didn’t know you existed<br />
until today. It was so encouraging even for me to be able to "teach" them some<br />
stuff I had learned in your workshop and mentoring course. <strong>The</strong>y were especially<br />
interested in what you had to say about negative gearing, because some of there<br />
properties have negative cashflow.<br />
So they can’t wait to "check you out" and learn some more, and I can’t wait to<br />
really get into gear and really get my feet wet. And I know I can do it with<br />
confidence because I am learning and gaining more knowledge all the time<br />
thanks to you. So it’s time to get cracking and apply what "Hannes says..."<br />
It was a valuable experience to share our knowledge, because it strengthens and<br />
reinforces the lessons.<br />
Here’s to lots more property deals.<br />
Wednesday, September 28, 2005 Angela Carlson<br />
It is a great pleasure to have you as my mentor. People normally say to know<br />
whether one will be successful in future you must look at the type of people with<br />
whom he/she associates. I have no doubt that in the next five years I will be<br />
financially free. <strong>The</strong> real success was to subscribe to the mentorship program. It<br />
has improved the communication and respect between my wife and I, as we<br />
discuss the lessons together. Our attitude towards money is better than before as<br />
we can account for every cent that flows out and see our mistakes. Our property<br />
business is now generating a positive cashflow with assets in excess of R1.2<br />
million. What I liked more was to take control of my life by prioritising my daily<br />
activities towards achieving my goals. This makes us put the lessons into action<br />
which produce positive results that excite us because knowledge that is not<br />
applied in practice is useless.<br />
Blessed & Highly Favored<br />
Paul Lefera<br />
Wednesday, September 28, 2005 Paul Lefera<br />
Dear Hannes,<br />
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It is with some reluctance that I write you my (success) story, for mine seems<br />
relatively insignificant amongst the ones that I have read so far. Nevertheless, I<br />
still have the urge to pay tribute to a man who has the absolute conviction that<br />
anybody can be successful in his lifetime in his own way, for as far as Hannes<br />
Dreyer is concerned the prove is in application of his system. And let me tell you,<br />
he is oh so right!<br />
My success story started in 1985 when I qualified as a pharmacist and<br />
professional world of health seemed to become my oyster in no time. However<br />
as Hannes also proclaims: `life is not a sprint but rather more like a well<br />
organized marathon`. Big question to me was where to start the success story<br />
when nobody had ever taught me the principles of managing my time, money<br />
never mind my life. From the time that I started working with a small Pretoria<br />
based pharmaceutical production company, I quickly realised that the only way to<br />
`make it` was to develop my own formulations and bring them to market. To<br />
make a long story short, the dream of my own formulations that `really work` has<br />
never left my head and are still first priority. But what about money management<br />
and the like. As I progressed through the years the one disappointment after the<br />
other I encountered. It seemed as if nothing ever wanted to work. Especially<br />
negotiations with the banks etc. were totally energy sapping experiences. But I<br />
refused to give in to the bureaucrats and kept on pounding on doors small and<br />
big. Seven years ago I decided to go back to the Netherlands the land of my<br />
birth, in the process leaving everything that is dear to me behind and try and<br />
make it there. I thought perhaps a tougher European environment would teach<br />
me how to be successful. Let me tell you, I have at times set like `the desperate<br />
man` with my head in my hands and thought of giving up. But in desperate times<br />
the infinite intelligence of the universe or God if you like, perhaps then decided<br />
that it was time to hand me a little present. That present came in the form of an<br />
e-mail from a very good friend of mine in Cape Town, who had attended one of<br />
Hannes Dreyer's Property Pro workshops. I thought nothing of it at first but after<br />
a few weeks I decided to have another look at the website, read through the<br />
prosa and phoned some people in South Africa. Being the eternal optimist I<br />
decided to give it a try and asked my son in Pretoria to attend one of the free<br />
`<strong>Wealth</strong> <strong>Creation</strong>` lectures. Robert’s enthusiasm was the first good news I<br />
received. I had another good look at the site and decided to `dive in`.<br />
I paid the first three months` fees with my credit card and gave Robert a present<br />
in the form of paying his fees as well. I have since paid the whole once off<br />
payment my son’s included and decided to follow Hannes’s full five year<br />
mentorship program, for this is the chance of a lifetime.<br />
In the meantime I have struggled through the goal setting lectures, it took me<br />
weeks to work through the assignments, but there is some bright light at the end<br />
of the tunnel. I can feel intuitively that this is the break that I have been waiting<br />
for all these years. And I must say it is lifting my enthusiasm by the day and<br />
week. I cannot get enough of the content of the lectures. And I cannot wait for the<br />
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next week’s lectures to appear on the website so I can dive again into Hannes’s<br />
knowledge and experiences.<br />
Ploughing through the last couple of months of this year we have recently<br />
launched the first range of three products for top athletes and serious sorters in<br />
South Africa. On top of that we have had enquiries from Germany and Russia for<br />
these products. And to tell you the honest truth I just know that with the<br />
knowledge and experiences that I am picking up through Hannes’s knowledge<br />
and advice we can only go one way and that is up, up, up and away.<br />
A new lease on life and success indeed.<br />
Kind regards,<br />
Gert Portheine<br />
Wednesday, September 28, 2005 Gert Portheine<br />
I always remember an epitaph which is in the cemetery at<br />
Tombstone, Arizona. It says:<br />
“Here lies Jack Williams. He done his darndest”<br />
I think that is the greatest epitaph a man can have.<br />
Harry S. Truman<br />
Prior to attending Hannes Dreyer’s property pro seminar, I always thought that<br />
you had to work hard in order to be wealthy and successful. Hannes has<br />
practically shown me how to make your money work for you in wealth creation<br />
and the secret of using “other people’s money”<br />
<strong>The</strong> greatest problem with our education system is the lack of life skills and no<br />
system teaches how to manage your hard earned money. After attending<br />
Hannes Dreyer’s life altering property pro seminar I took a decision to implement<br />
what Hannes had thought us. 36 months later I have done no less than 35<br />
property transactions, which equates to almost one a month! Some of them were<br />
done individually while others were done in syndication. <strong>The</strong> end result is that my<br />
passive income has increased to almost 55% of my salary and my goal is to<br />
equal my passive income to my salary within the next two years.<br />
<strong>The</strong> reality is that I am self employed and my salary depends on how much (or<br />
little) I put in my business, whereas my passive incomes does not require any (or<br />
very little effort). Ever since my 1st property deal I have become “passionate<br />
about property” I've attended a number of seminars and workshops and read a<br />
number of books and particularly those of Robert Kiyosaki’s.<br />
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After reading and attending a number of workshops I knew “what” to do. Hannes<br />
Dreyer’s seminar and practical knowledge has shown me “how” to do it and I<br />
have never looked back since! <strong>The</strong> life skills though are not quantifiable, and I<br />
believe it could be implemented in every aspect of my life to bring about change<br />
that leads to desired goals and improving the quality of life.<br />
In short Hannes has thought me to convert my Dreams to Goals and Goals to<br />
Reality.<br />
Thank you Hannes Dreyer for offering the life altering seminar!!<br />
Wednesday, September 28, 2005 Rakesh Kalyan<br />
Hallo Hannes<br />
Ek wil graag my sukses verhaal met jou en die wêreld deel. Dit is ‘n verhaal van<br />
‘n persoon wat van niks af vir homself ‘n toekoms gebou het. As ek dit kan doen<br />
kan enige persoon dit ook doen. ‘n Baie groot deel van die sukses is toegeskryf<br />
aan jou en aan die kursusse wat jy aanbied.<br />
My storie begin omtrent in September 2003 toe ek die huis gekoop het waarin ek<br />
nou bly. Ons het baie rondgesoek vir huise en het toe op die huis afgekom teen<br />
‘n baie goeie prys en het dieselfde dag die koopkontrak geteken. Die huis was 3<br />
dae in die mark. Ek het nadat ek die kursusse gedoen het uitgevind dit was wat<br />
ons noem ‘n gemotiveerde verkoper. Die huis se waarde het tot vandag toe<br />
omtrent drie keer meer geword as waarvoor ek dit gekoop het.<br />
Ek het verder voortgegaan en ‘n klein een slaapkamer woonstel gekoop en was<br />
in die proses om te wag vir registrasie van twee ander woonstelle toe ek van<br />
Hannes gehoor het aan die einde van 2003 en toe ook sy basiese eiendoms<br />
kursus bygewoon het. Met al drie hierdie woonstelle het ek die kostes uit my eie<br />
sak betaal. Ek het intussen by Hannes geleer hoe om eiendomme te bekom<br />
sonder om geld uit my eie sak te haal.<br />
Ek glo daarin om altyd iets nuut te leer en as ek nie iets weet nie probeer ek<br />
uitvind. Ek het vir myself ‘n doelwit gestel om teen 31 Desember 2004 in beheer<br />
te wees van 1 miljoen rand se eiendomme. Vir my was dit baie geld en om daar<br />
te kom van basies niks af was onwerklik. Ek het ook nie geweet of die banke vir<br />
my geld sal leen nie. Daar was baie hindernisse om te oorkom voordat ek my<br />
doelwit kon bereik.<br />
In die jaar het ek nog ‘n klop woonstelle gekoop en dit self uitverhuur. Al my<br />
woonstelle het ‘n positiewe kontant vloei. Ek het ‘n paar foute gemaak en daaruit<br />
geleer. Van die foute het veroorsaak dat ek soms moes geld uit my sak uithaal<br />
om die woonstelle te koop. Nie baie geld nie maar as jy nie foute maak nie dan<br />
leer jy nie. Ek het wel in die jaar ‘n paar woonstelle gekoop sonder om ‘n sent<br />
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daarvoor te betaal en dan kry ek nog ‘n positiewe kontantvloei net om hulle op<br />
my naam te hê. Is dit nie ongelooflik om te dink jy kan eiendomme gratis kry en<br />
dan nog ‘n maandeliks inkomste as ‘n bonus daarby nie.<br />
Ek kon dit nie regkry om 1 miljoen rand se eiendom te koop nie. Dit het so goed<br />
gegaan dat ek aan die einde van die jaar in beheer was van 1.2 miljoen rand se<br />
eiendom. Ek het my doelwit met 20% verbygesteek. Ek en my vrou Tina was<br />
baie gelukkig met wat ons die jaar bereik het.<br />
Ek het dieselfde gedoen vir 2005 en weer vir my ‘n doelwit gestel. Ek wil in<br />
beheer wees van 3 miljoen rand se eiendom teen 31 Desember 2005. Ek het<br />
gedink dit sal vir my ‘n goeie uitdaging wees. Dubbel wat ek die vorige jaar bereik<br />
het en hopelik sal ek die doelwit weer 20 % verbysteek.<br />
Wel dit is nou 24 September 2005 en hierdie jaar het ek groter gedroom as<br />
woonstelle. Ek het wel nog woonstelle gekoop maar hierdie jaar het ek ook 4<br />
huise gekoop. Al hierdie woonstelle en huise het ek met die bank se geld gekoop<br />
en niks uit my eie sak gehaal nie. Al my eiendomme is nog nie geregistreer nie<br />
maar die lenings is 100% goedgekeur ek wag net om by die prokureurs te teken.<br />
Al die eiendomme bied ook ‘n positiewe kontant vloei.<br />
Ek is nou besig met ‘n nuwe leer kurwe. Ek het ‘n huis gekoop voor ‘n vandisie<br />
dit sou verkoop. Die plek kort baie aandag. Ek wil spekuleer met die huis. ‘n<br />
week nadat ek die koop kontrak geteken het, het ek alreeds met ‘n verkoop<br />
ooreenkoms in my hand gesit vir die plek net soos hy is. Ek het dit nie aanvaar<br />
nie. Ek gaan omtrent R15 000.00 rand spandeer op die eiendom om hom mooi te<br />
maak en hom dan verkoop. Ek gaan nie aansoek doen vir ‘n banklening nie. Ek<br />
behoort ‘n minimum van R100 000.00 in my sak te sit met die nuwe leer kurwe.<br />
Dit behoort my ‘n maand besig te hou om die plek reg te maak en dan moet ek<br />
omtrent 4 maande wag vir die geld. Ek dink nie dit is sleg vir ‘n eerste<br />
probeerslag nie.<br />
Ek het begin om van die kontant uit my eiendomme te onttrek om ander projekte<br />
mee te doen soos die spekulasie huis hierbo en vir ‘n nuwe besigheid wat ek<br />
besig is om op die been te bring. Ek het ook ‘n familie trust begin met die oog op<br />
sekuriteit vir die toekoms. Ek het ‘n maand terug opgehou vir ‘n baas werk en is<br />
nou besig om my eie bates uit te bou vir my en my familie se toekoms.<br />
Wanneer alles registreer behoort ek in beheer te wees van 17 eiendomme met<br />
‘n markwaarde van 3.9 miljoen rand. Weereens het ek my doelwit verby gesteek<br />
met 30%. Wel ons moet onthou dit is nou eers September en ek kan dalk nog<br />
een of twee eiendomme bekom voor die einde van die jaar. Ek sit nou net en<br />
wonder wat moet ek die doelwit maak vir volgende jaar om dit so ‘n bietjie<br />
moeiliker te maak om te bereik.<br />
Al die eiendomme wat ek gekoop het, het ek teen baie goeie pryse bekom en as<br />
ons net met ‘n eenvoudige sommetjie van bates (mark waarde van eiendom) min<br />
laste (Verbande) min kostes om dit te bekom (soos oordrag en herstel kostes)<br />
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maak dan het ek, deeltyds in drie jaar bereik wat ek nie in jare sou bereik het met<br />
‘n gewone salaris nie.<br />
Sterkte aan almal wat hierdie lees. Julle kan ook doen wat ek gedoen het.<br />
Vriendelike groete en voorspoed.<br />
Chris Venter<br />
Wednesday, September 28, 2005 Chris Venter<br />
I AM CORNELIUS UKATTAH, 43, HAPPILY MARRIED AND AN ESTABLISHED<br />
BUSINESSMAN.I ARRIVED CAPE TOWN, RSA ON 20/03/05.BEFORE NOW I<br />
HAD ENGAGED THE SERVICES OF ARCHITECTS AND ENGINEERS TO<br />
DEVELOP LOGISTICS FOR THE DEVELOPMENT OF TWO HOUSING<br />
ESTATES THAT WILL HAVE THE BEST OF ALL LIFE`S PROVISIONS AND<br />
AMENITIES AND BETWEEN JANUARY THE 2ND AND MARCH 10TH 2004,<br />
THE PACKAGE WAS SUBMITTED TO AN ORGANISATION FOR 100%<br />
FUNDING THROUGH A FOREIGN LOAN TOTAL COST WAS ESTIMATED AS<br />
US$50M.<br />
BY DIVINE PROVIDENCE ON SUBMISSION OF THE DRAWINGS, DETAILED<br />
BUSINESS PLAN AND CASH FLOW LOGISTICS A PROVISIONAL APPROVAL<br />
WAS GIVEN BUT WITH A CONDITION THAT UPON AVAILABILITY OF ALL<br />
REQUIRED DOCUMENTS AND GOVERNMENT APPROVALS A PROCESS<br />
FEE OF A TOTAL OF 35000 UK POUNDS STERLING MUST BE PAID.<br />
I DID NOT HAVE THE CASH.<br />
I CAME TO RSA TO SOLVE THE 35000 POUNDS CHALLENGE.THE<br />
TRANSACTION BY WHICH I WAS INVITED INTO RSA WAS CLOUDED WITH<br />
UNFAVOURABLE CIRCUMSTANCES AND FAILED AS I REJECTED TO<br />
CONTINUE, IT WAS FOUNDED ON NON REALISABLE LOGISTICS.<br />
I STARTED MEDITATING ON `WAYS OUT OF THE HOLE`.BY THIS TIME I<br />
SAW A NEWSPAPER ADVERT BY HANNES DREYER WITH A PHRASE: HOW<br />
TO CONVERT AN INVESTMENT OF LESS THAN R1 TO R10M IN FIVE<br />
YEARS, IN ADDITION AN INVITATION TO ATTEND A FREE SEMINAR TO<br />
HEAR FROM THE GURU HIMSELF ON HOW HE WILL DO IT BY JUNE THE<br />
8TH, 2005 OR THEREABOUT, I COULD NOT ATTEND, AS I WAS<br />
HOSPITALISED AT NEW SOMMERSET HOSPITAL.<br />
A VISIT TO HIS WEBSITE AND AFTER A THOROUGH STUDY OF THE<br />
CONTENTS I FOUGHT ALL OBSTACLES TO SUBSCRIBE TO THE<br />
MENTORING PROGRAM,THAT WAS ACHIEVED ON 26TH<br />
SEPTEMBER,2005.SAME DAY I RECEIVED MY USERNAME AND<br />
PASSWORD.AS THE LESSON 1 WAS SENT TOGETHER WITH PRACTICAL<br />
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OVERVIEW OF WHAT THE CHALLENGE ENTAILS AND HIS<br />
PROGRESS,WITHIN 48 HOURS THE 35K UNITED KINGDOM POUNDS<br />
CHALLENGE BECAME A TESTIMONY WITH AN INPUT OF R500,AS I<br />
UNRAVELLED THE WAY HE NEGOTIATED TO PAY R.079 FOR A BILL THAT<br />
WOULD HAVE COST OVER R250000.<br />
AS I EVALUATED MY GROSS INCOME FOR THE PAST 14 YEARS OF<br />
BUSINESS ACTIVITIES AS COMPARED BY H.DREYER`S PROGRESS IN 42<br />
WEEKS AFTER THE CHALLENGE TOOK OFF, TOO LOW FOR ZERO. I GOT<br />
THINKING,HENCE MY ENTHUSIASM WELLED UP.ALL THINGS ARE<br />
POSSIBLE BUT SELF DISCOVERY IS ETERNAL RECOVERY,I WILL<br />
JOYFULLY CONTINUE WITH THE MENTORING PROGRAM BUT REJOICING<br />
THAT MY HOUSING PROJECT WILL START JANUARY 2ND,2006 WHEREAS<br />
I HAD LABOURED SINCE MARCH 2004 TILL SEPTEMBER 26TH 2005 TO<br />
SOLVE 35000 POUNDS HURDLE.<br />
HANNES DREYER, THE GOD I SERVE WILL ENLARGE YOUR COAST AND<br />
OVERSHADOW YOU WITH UNIMAGINABLE BENEFITS LIFE CAN PROVIDE.<br />
THIS IS WHAT I CALL `DIGGING DEEP FOR OPTIMAL SATISFACTION AND<br />
FULFILLMENT IN LIFE", YOU WILL LIVE LONG TO IMPACT MORE ON YOUR<br />
GENERATION.<br />
CORNELIUS UKATTAH.<br />
Wednesday, September 28, 2005 Cornelius Ukattah<br />
Hannes, to elaborate on yesterday’s story the lesson for other students may be in<br />
this. I recently applied for two additional home loans from the same bank that<br />
holds all of my accounts, and both were declined because repayments would<br />
exceed the 30% of our combined income.<br />
I did not take no for an answer, but escalated the situation to the consultants<br />
supervisor and the in turn to the regional manager, at this level people seem to<br />
think differently.<br />
Factors such as rental income were not properly considered, and also property<br />
for which the application was submitted was not currently bonded.<br />
<strong>The</strong> lessons here are to take responsibility, pursue to the end and know what you<br />
can achieve, set goals and make them happen.<br />
With these principles, it is easy to see why Hannes is where he is.<br />
Thank you for sharing these learning’s with us, I am in week 4 of the programme,<br />
I Also did the Property-Pro workshop, and it has changed our lives,<br />
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God Bless<br />
Wednesday, September 28, 2005 Alan Boucher<br />
I attended your course in the middle of 2004. What you taught us on that day has<br />
changed my life and my way of living. It inspired me to the extent that I<br />
subscribed to your mentor program.<br />
Because I do not come from a financial background I find it difficult to keep up<br />
with the lessons but I keep going in the hope that I will one day understand it all.<br />
One thing that I do remember was that if you can find a bargain, spend some<br />
money on fixing it and then sell it for a profit you are in the process of creating<br />
wealth.<br />
In February 2005 I bought a house in Sandton, Johannesburg. It had been<br />
vacant for almost a year. I paid R 1 000 000 for it. <strong>The</strong> transfer and bond costs<br />
came to R 80 000.00. I spend R 176 000 on fixing it up. According to the accesor<br />
from the bank it is now worth between R 2 300 000 and R 2 500 000 giving me a<br />
100% return on investment (+R 1 000 000) in less than a year.<br />
Now that makes me feel successful!!!!!<br />
Thank you Hannes for helping me think outside the box.<br />
Wednesday, September 28, 2005 Nic Du Toit<br />
Thank you for coming to look at our success stories. I joined Hannes Dreyer’s<br />
Mentorship Program at the very beginning. Yes I have been walking with Hannes<br />
Dreyer for the just under one year. What a wonderful journey.<br />
<strong>The</strong> questions uppermost in your mind right now would probably be “Is Hannes<br />
Dreyer for real or is he a bull-duster?” “Will I get value for money?” “Is this<br />
mentorship program going to help me?” “Is this worth it?”<br />
Allow me to answer each question briefly.<br />
<strong>For</strong> Real or Bull-Duster<br />
As I have read Hannes’ epistles (letters) each week I have began to piece<br />
together some of Hannes’ character traits. Hannes is a man with integrity.<br />
Hannes is a man with immense practical knowledge on life. His lifestyle<br />
management program teaches about a balanced lifestyle (14 areas of your life,<br />
money is just one of them). Here I have learnt the most and have changed as a<br />
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person for the better. I’ve needed to make small changes to my lifestyle each<br />
week as I’ve eagerly internalize his weekly lessons. I’ve started to live by the<br />
following statement”<br />
“A small movement or change in the right direction now, enables you to make<br />
giant advances in achieving your future goals, dreams, successes and purposes<br />
in life.”<br />
<strong>For</strong> me Hannes Dreyer is for real!<br />
Value for money<br />
You know how a parent tells a child if they want that special toy they have to<br />
save for it! Only to see the parent do everything they can to allow the child to<br />
earn the money to enable the child to get the desired toy as quickly as possible!<br />
It’s like, show me you WANT it and I’ll team up with you to make it happen!<br />
That’s Hannes Dreyer! In week two he has makes a way for you to recover the<br />
costs of your mentorship program. Simply introduce others to the program and<br />
he’ll pay you cash in the back pocket. Today I receive R500 monthly for other<br />
people I have introduced into the Mentorship Program. Might not sound a lot for<br />
you, but for me it means I get my mentorship training for the rest of the course<br />
FREE.<br />
Would I still do it if I did not get my mentorship program for free? Yes without a<br />
doubt.<br />
Will the Mentorship Program Help You?<br />
Do you WANT to learn? Are you willing to DO as Hannes teaches? <strong>The</strong>n the<br />
answer can only be one thing. YES the mentorship program will help you.<br />
I’ve been married for 20 years. <strong>For</strong> 20 years my wife and I have done a monthly<br />
budget. You would think we would know a thing or two about budgeting. Well,<br />
what Hannes taught us has made us go back and re-do and re-think the way we<br />
do a budget and why we do the budget. (To create a surplus)<br />
Hannes’ Lifestyle program taught my wife and me that we were not living a<br />
balanced life. So we are in the process of making changes so that we can live life<br />
to the full. Enjoy each day. Grow to become better people. This mentorship<br />
program could save your marriage and your family life. I’m dead serious, I’m not<br />
joking. It’s not just about money. Money cannot buy you happiness. (But it sure<br />
does help to make life easier.)<br />
Is it worth it?<br />
Yes it is worth it! At first I wished Hannes would just get on with it tell me how to<br />
make the millions with a little bit of money. He keeps telling us he needs to lay<br />
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the foundations. We need to learn to crawl before we can walk. Walk before we<br />
run.<br />
Well, now there are some weeks that I cannot absorb all that Hannes is teaching.<br />
Some weeks the information has such huge paradigm shifts of thinking that I<br />
need to re-read the notes again and again before truly getting to grips with the<br />
full impact of what Hannes is teaching. Now I’m no dummy, after all I do have a<br />
degree. But hey, they don’t teach you this stuff at University.<br />
Yes this mentorship program is worth it and I’d encourage you to join. Give it a<br />
go for a year, then re-evaluate if you want to carry on. You can get out at any<br />
time if you feel you are not getting value for money. Will I get out? No way, I’m in<br />
it for the full ride.<br />
“Action without vision is only passing the time;<br />
Vision without action is merely dreaming;<br />
But vision with action can change the world.”<br />
– Nelson Mandela<br />
Do you WANT to learn?<br />
Are you willing to INVEST in yourself?<br />
If the answer is YES and YES<br />
<strong>The</strong>n join Hannes Dreyer’s Mentorship Program today! You won’t be<br />
disappointed.<br />
Trevor Farley<br />
Wednesday, September 28, 2005 Trevor Farley<br />
People are always blaming their circumstances for what they are. I<br />
don’t believe in circumstances. <strong>The</strong> people who get on in this world<br />
are the people who get up and look for the circumstances they want<br />
George Bernard Shaw<br />
What a humbling opportunity to pen down the changes in my life since I joined<br />
the mentoring programme.<br />
I went along with my husband to one of the free seminars presented by Hannes,<br />
not having the faintest inclination what it was all about. I must admit that I was<br />
one of the skeptics and questioned everything that Hannes said, but after<br />
listening to him for a while, things certainly made a lot of sense. All sounded very<br />
interesting, but I had to start thinking things through.<br />
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My husband was very enthusiastic about everything, but I was the one who was<br />
cautious. <strong>The</strong>re are so many people out there who are out there to take<br />
advantage of you and all they are interested in is enriching themselves at your<br />
expense.<br />
My husband goes away from time to time and it was during this time, that I<br />
started investigating Hannes’ site and reading all the success stories. I was<br />
certainly hooked.<br />
I decided to join the mentors programme, as I wanted to see what this was all<br />
about, still very cautious about the whole thing but I knew that the longer I waited<br />
to join, the more valuable time I stood to lose.<br />
Needless to say my husband was most enthusiastic when he heard that I joined.<br />
After three months I knew that I wanted to be part of the mentoring programme<br />
right to the very end and I wanted to learn as much as possible from what<br />
Hannes could teach me.<br />
<strong>The</strong> fact that Hannes not only talks about it, but applies what he says, `been<br />
there and done it" says it all.<br />
I am now in week 27 and have not regretted a single day since I joined the<br />
programme. Hannes has been such motivation to me, week after week.<br />
Right in the beginning, I understood that what Hannes was teaching were<br />
foundations. When you think about it foundations are extremely important in all<br />
areas of life, strong foundations in particular. Take a house for example, when<br />
those foundations have not been laid properly, there will be cracks and they will<br />
eventually not be as strong as what they should be.<br />
Through this foundation building phase various areas of my life were highlighted<br />
as not being so well implemented and needed change as they weren’t at the full<br />
optimal position. When looking at a range of 1-10, there was definitely room for<br />
improvement. <strong>The</strong> programme has most certainly brought a greater awareness of<br />
many things in my life.<br />
Habits are formed in life and they take time to change, implement and establish<br />
new ones. One has to be constant on your guard, as it is easy to slip back in to<br />
old habits.<br />
What was good motivation for me is that errors were highlighted as the truth was<br />
exposed.<br />
Invest in oneself as Hannes says, was a challenge for me as we have not been<br />
raised in that way. It was a thought pattern that had to be changed and I<br />
therefore reasoned it through. Not just "accepting" that what Hannes was saying<br />
was true. It needed to become my own and revelation to me. I didn’t just want to<br />
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ecome a sponge or a "cd" copy of "Hannes cd". <strong>The</strong>re is copyright and<br />
exclusivity to each individual. That’s what I like about Hannes to, there is<br />
copyright on his products.<br />
I reasoned that I certainly could learn from Hannes who was most experienced in<br />
what he was doing. All I knew is that I needed to examine everything to see for<br />
myself whether it was indeed true or not. I know his motives are pure.<br />
Investing in yourself is a kingdom principle. You see I am a child of the most High<br />
God and His word guides me in all things. In the word are principles and every<br />
way all things are done in life. Thus are things needed to be tested against the<br />
Word of Truth? <strong>The</strong> word also says that people were deceived because they<br />
weren’t lovers of the truth.<br />
Its the same today when we get up daily- Invest your time with the Father to<br />
strengthen yourself to walk in His ways (invest) and then again you can help<br />
strengthen and encourage others that are struggling, are weaker and that way<br />
they receive hope.<br />
<strong>The</strong>refore investing in yourself first to improve is very right and that’s what<br />
excites me.<br />
I attended a speed reading course on Hannes's recommendation and it was a<br />
need of mine at the time. WOW!! What a wonderful learning experience, time<br />
improvement as we are in control of our time (foundation) and at the same time it<br />
improved my learning skills (am a student with my last four BCom subjects. That<br />
is just so exciting.<br />
When we got to High Productivity, I saw that I was exactly like one of the people<br />
he was talking about, "busy" but not achieving what I was set out to achieve. I<br />
was a procrastinator!!<br />
I constantly apply what I have learnt and turned that around. That way I achieve<br />
what I set out to achieve and have so much extra time... Thank you Hannes and<br />
thank you Lord. God certainly answers prayers and sends the right people along<br />
into your life to speak to you.<br />
What excited me so much as well is to see that Hannes is also a child of the<br />
most High God and that he has a personal relationship with Jesus Christ. I am<br />
praying for you to Hannes, because we all need people who pray for us. I<br />
continue to check things as they come up.<br />
I have not been able to do all the practical, which are vital as they bring such an<br />
awareness in your life. Only as you start doing them, errors are highlighted and<br />
even wrong reasoning, because it means you actually are thinking about them. If<br />
you didn’t do it, you would still think the way you think is correct, even though it<br />
may not be. <strong>The</strong> reason why I haven’t done all the practical is because I am<br />
preparing for my final exams and I am merely prioritizing my time (something<br />
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Hannes taught me thought he mentoring programme and I know my<br />
weaknesses- do all sorts of things first that are nice, before doing what I am<br />
meant to do).<br />
<strong>The</strong> mentoring course excites me because I know that my life can only improve<br />
thought it and I know it’s only through application, even as "faith without works is<br />
dead and works without faith is dead to"<br />
It’s when faith is outworked through the doing that it brings forth change.<br />
It’s about taking responsibility and leading by example, because many people are<br />
observing our actions particularly our children. I have already changed some<br />
class 3 experiences to class 2 and am aiming at changing it to class 1<br />
experiences.<br />
I also attended the property workshop recently and I was absolutely life<br />
changing. My husband is back soon and then he will be attending the workshop. I<br />
can already see many areas that need change there but are just waiting for my<br />
husband to come on the same thinking level, in order to do it. We always agree<br />
to do things together which I think is important, particularly when its decision<br />
time. He has been working through the mentoring programme and feedback from<br />
him is that he can see why Hannes wants us to work together as a team, goal<br />
setting, budget, finances etc. That has been so wonderful to me. Together in<br />
these areas we will be like a double edged sword. Finances have always<br />
interested me and it just made it so much more alive, and it is as if a veil is<br />
removed from ones eyes. Salvation all over again. Thanks for helping to change<br />
my life Hannes. When I write my final exam on the 12th of November, I am fully<br />
committed to internalizing everything.<br />
Initially I was not planning to write a story as I knew it would be time consuming. I<br />
also know it’s important to do it. I hope this is encouraging - I cannot begin to<br />
express in words how thankful I am and the changes that have been brought<br />
forth.<br />
May it go well with you and your family Hannes and wishing you all the success<br />
in the world? Stay strong in your faith all the time.<br />
Ella<br />
Tuesday, September 27, 2005 Manuela Patterson<br />
Hi there,<br />
I have been rather hesitant to share my story, because it’s not the usual run of<br />
the mill. In fact – it would probably go against all your better judgment. But hey,<br />
you were influential in giving me a mind-shift, so here goes…<br />
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I’ve decided to follow my dreams whole-heartedly and with gusto. I’ve decided<br />
that as long as I live in the “rat race” and “in the box” I will never discover my true<br />
potential. So in order free myself I’ve put my house on the market, sold some of<br />
my belongings and I have given myself a year in which to rid myself of all<br />
unnecessary things in my life. I’m planning to buy a yacht and by next year<br />
October I will be sailing around the world! I am so excited about this because I<br />
am convinced that by doing this I will discover new passions and skills and be<br />
able to live a fuller life.<br />
So NO, I am not buying houses, creating trusts, building businesses, etc…<br />
Instead I am giving up everything to put myself in a position to stand “outside” of<br />
society and see things from a whole new perspective.<br />
I’ve enjoyed your material, especially the parts on writing down your dreams, and<br />
looking at the “Wheel of Life” and all the things on who we are and how we live. I<br />
know this is drastic, but I’m not a guy for half measures…<br />
Brendan<br />
Tuesday, September 27, 2005 Brendan Dale<br />
Hi Hannes<br />
Hiermee my sukses storie.<br />
In 1995 het ek my B Comm Rek graad gekry met sterre in my oe, min wetend<br />
watter harde pad vir my voorgele het. Ek het begin met my Honneurs en in Mei<br />
1996 opgeskop omdat ek heeltemal belangstelling in my studies verloor het. Ek<br />
is van nature iemand wat maklik verveeld raak en van verandering hou, en ek het<br />
geweet ek sal nooit ‘n Geoktrooieerde Rekenmeester kan wees nie. Dit was<br />
egter met die oog op my eie besigheid dat ek oorspronklik B Comm Rek gaan<br />
swot het.<br />
Nadat ek opgeskop het, het ek nie geweet wat om te doen nie, toe word ek maar<br />
‘n eiendomsagent. Na drie maande het ek besluit ek moet uit my geboortedorp,<br />
Brakpan, padgee omdat ek nie daar wou opeindig nie. Ek het binne ‘n week en ‘n<br />
half besluit om Pretoria toe te trek, ‘n werk gekry as ‘n motorverkoopsman by<br />
BMW, getrek en begin werk! Ek het werklikwaar gedink dat 1997 die beste jaar<br />
van my lewe gaan wees en dat die lewe in Pretoria nou gaan begin. Meer<br />
verkeerd kon ek nie gewees het nie. Na 3 ½ maande het ek en ‘n ander<br />
verkoopskonsultant bedank omdat ons nie ons targets gemaak het nie, deels<br />
omdat die engelse verkoopsbestuurder al sy leads aan sy ander 2 engelse<br />
verkoopsmaatjies deurgegee het.<br />
Nadat ek vir 2 maande werkloos was, het ek by Toyota in Brooklyn begin werk,<br />
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maar na 2 ½ dae bedank toe hulle vir ons se ons moet op vakansiedae en<br />
Saterdae by Loftus wees omdat McCarthy die rugby borg, wetend dat daar nie ‘n<br />
manier is dat iemand by ‘n rugbywedstryd ‘n kar gaan koop nie! Ek het ook<br />
besluit dat as ek so hard moet werk, werk ek liewer vir myself.<br />
Gevolglik het my lewe as besigheidsman begin. My pa het ‘n apteek gehad wat<br />
baie goed met parfuum gedoen het, en my broer het reeds ‘n winkel in Boksburg<br />
gehad. Dit was net natuurlik dat die besigheid ook uitbrei na Pretoria, en<br />
gevolglik het ek ‘n winkel in Centurion oopgemaak. Die kort en die lank is dat ons<br />
tussen Oktober 1997 en Maart 1999 slegs een maand ‘n wins getoon het, en oor<br />
die R 300 000 se skuld gehad het toe ons die winkel toegemaak het, en ek moes<br />
by my pa in die apteek gaan werk. As ek nou terugkyk op daardie tyd besef ek<br />
dat ek met my B Comm Rek graad en al nie ‘n clue van besigheid gehad het nie!<br />
Gelukkig het ek in daardie tyd met groothandel begin en parfuum van Dubai af<br />
ingevoer om aan ‘n groot kettingwinkelgroep hier te verskaf. Ek was nog altyd ‘n<br />
risikonemer, maar kan partykeer net lag as ek terugdink aan wat ek gedoen het.<br />
Toe die winkel toemaak, het ek R 150 000 by iemand geleen met een van my pa<br />
se eiendomme as sekuriteit, wat ek na 45 dae moes terugbetaal met R 10 000 se<br />
rente! Wat meer is, voordat ek oor is het ek R 30 000 van daardie geld gebruik<br />
om ‘n krediteur van die winkel te betaal. Met die oorblywende R 120 000 het ek<br />
my vliegkaarjies, verblyf en al die voorraad wat ek my hande op kon le, gekoop.<br />
Ek het Dubai verlaat met net $2 wat ek nie uitgegee het nie. Ek het my voorraad<br />
verkoop vir R 180 000, my R 160 000 betaal en die res gebruik om nog<br />
krediteure te betaal.<br />
Na 21 maande in die apteek , in Januarie 2001, het ek saam met die ou wat<br />
hoofseun van my skool was toe ek in std 6 was, in besigheid ingegaan. Hy was<br />
in die mikroleningsbedryf en in Mei 2001 het my tak in Pretoria oopgemaak, 51%<br />
syne en 49% myne. Na slegs drie maande het die piesang die waaierband<br />
getref, My salaristjeks asook my beleggers se rentetjeks (toevallig almal my<br />
vriende) het begin hop en dit was die begin van die einde vir ons hoofkantoor. Ek<br />
het toe my aandeel uitgekoop deur al my beleggers se skuld oor te neem,want<br />
ek het gevoel dat hulle op my advies bele het en ek kon hulle nie nou in die steek<br />
laat nie. Die uiteinde was dat ek R 296 000 betaal het vir ‘n besigheid wat ‘n<br />
debiteureboek van R 110 000 gehad het en ‘n omset van slegs R 50 000 p.m. Ek<br />
het nog bo-op dit dadelik R 130 000 geleen by twee beleggers en persoonlike<br />
lenings aangegaan om die besigheid verder te groei en kop bo water te hou. Ek<br />
moes seker heeltemal van my kop af gewees het!<br />
Vir die volgende twee jaar het ek laag gele en hard gewerk, met net een doel<br />
voor oe – om van hierdie besigheid ‘n sukses te maak. Ek het op stadiums meer<br />
as 70 ure ‘n week gewerk – 9-4 by my besigheid en vir eers na-ure en naweke by<br />
‘n apteek (vir R 17 per uur), en toe later-aan as ‘n kelner by ‘n restaurant in<br />
Menlyn. Ek het altyd gese ek sal nooit waiter nie en dit is nogal ironies dat ek toe<br />
op die ouderdom van 28 myself vir die eerste keer in ‘n waiter se skoene bevind<br />
het.<br />
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My rede vir die ekstra werk was om eerstens kos op die tafel te kan sit as die<br />
hele kaartehuisie inmekaarval en tweedens om myself besig te hou, anders sou<br />
ek mal geword het. In totaal het ek in 820 dae net 13 werksdae vakansie gehad,<br />
en natuurlik geen siekverlof nie!<br />
In hierdie tyd het ek ook op ‘n stadium besluit dat ek maar moet begin werk soek<br />
en dalk die besigheid moet verkoop, want ek het soos ‘n absolute loser gevoel.<br />
Ek dink ook dat ek kan se dat die Here in hierdie tyd elke deur om werk te kry vir<br />
my toegemaak het , want elke keer wat ek vir onderhoude gegaan het en hulle<br />
uitgeving het ek het my eie besigheid, was dit sommer die einde van my<br />
onderhoud.<br />
Gelukkig hiervoor. want in die 2e helfte van 2002 het dinge begin draai. Die<br />
besigheid het begin optel en uit sy nate begin groei. In 2003 was 10 van die 12<br />
maande rekordmaande!<br />
Ek het ook in Maart 2003 besluit om ‘n tuinhuis in Faerie Glen ,waarin ek saam<br />
met 3 ander mense gehuur het en waarin ek al vyf jaar gebly het, te koop. Voor<br />
toe was ek te bang om eers met die bank te praat, bang dat hulle my “balancing<br />
act” sou agterkom en die mat onder my voete uitruk. Ek was nogal aangenaam<br />
verras toe hulle my lening goedkeur en ook baie bly, want ek het geweet dat die<br />
eiendom ‘n bargain was. Toe die koop in October 2003 (na baie gebede dat die<br />
“bargain” nie deur die mat sou val nie) uiteindelik deur is, het my nuwe huurders<br />
van dag een af my hele verband en die levy betaal! Sederdien het die eiendom in<br />
2 jaar verdubbel in waarde!<br />
In Junie 2003 het ek nog drie eiendomme gekoop, en in Maart 2004 nog twee.<br />
Ek het intussen drie van die vyf verkoop met gemiddeld 35% groei op elkeen.<br />
Om alles te kroon, het ek omtrent geen risiko gehad nie omdat die transaksie<br />
soos volg gestruktureer was. Eerstens was daar ‘n R 10 000 buffer wat uit die<br />
verband teruggekom het om die verskil tussen huuropbrengs en die verband te<br />
subsidieer, en tweedens het elke eenheid ‘n huurwaarborg van ‘n jaar gehad.<br />
Derdens het die bou 6-12 maande geneem, wat beteken dat daar, saam met die<br />
huurwaarborg vir ten minste 18 maande geen risiko was nie, maar wel gratis<br />
kapitaalgroei!<br />
In Julie 2004 het ek en my broer bankrepo eiendomme begin koop, hoofsaaklik<br />
in swart gebiede, maar ook hier en daar in wit gebiede. Op van hierdie<br />
eiendomme het ons al tot oor die 500% wins gemaak! Ons het selfs ‘n plot vir<br />
R5000 gekoop en ‘n bankwaardasie teruggekry van R 85000!<br />
‘n Ander eiendom het ons gekoop vir R 200 000 en die bank wou ons nie een<br />
sent gee nie(hulle het duidelik nie die potensiaal gesien wat ons gesien het nie),<br />
en ons moes toe kontant betaal. Nadat ons omtrent R 160 000 gespandeer het,<br />
het ons die eiendom vir R 850 000 verkoop!<br />
Selfs “gewone” eiendomme kan nou nog vir bargains opgetel word. In Junie 2005<br />
het ons ‘n plot van 4.04 hektaar gekoop en amper onmiddelik offers gekry van<br />
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50% en meer as wat ons betaal het! Ander eiendomme van tussen<br />
R 250 000 en R 300 000 koop ons nou nog vir ten minste R 100 000 onder hulle<br />
markwaarde!<br />
Huidig, na al die harde werk en drama, lewe ek op minder as 50% van my netto<br />
salaris (ek herbele die res) en werk gemiddeld 2-3 ure per dag. Die res van die<br />
tyd ondersoek en werk ek aan ander geleenthede, geniet my sport en herbele in<br />
myself. Ek hoop en beplan om op 35 (4 jaar van nou) werklikwaar finansieel vry<br />
te wees, en my doelwitte lyk soos volg:<br />
- 5 Selfonderhoudende/kontantvloeipositiewe besighede<br />
- 20 Kontantvloeipositiewe eiendomme<br />
- R 100 000 p.m. passiewe inkomste in 2005 terme<br />
- Netto bate waarde van R 5 miljoen<br />
- 20% van bates likied/buffers<br />
Baie dankie, Hannes, vir jou voortgesette inspirasie en die kennis wat ek<br />
opgedoen het deur jou kursusse en jou mentorprogram, veral op dinge soos die<br />
trusts en struktuur en hoe om risiko af te dek. Sterkte met jou “challenge”,<br />
Groete<br />
Stephen Rademeyer<br />
Tuesday, September 27, 2005 Stephen Rademeyer<br />
Hannes,<br />
Teaching me to take responsibility by showing how has saved me lots of hard<br />
earned cash. I felt that I was responsible, but after attending your course knew<br />
what it meant to take responsibility. Negotiating better interest rates with the bank<br />
is something I didn’t ever think of doing, simple yet saved me stacks of bucks.<br />
I have bonds greater than the 30% of income that the banks allow through<br />
negotiation, speaking to the right people and showing capital acquired through<br />
growth on other properties (Positive gearing) also taught on the property-Pro<br />
workshop.<br />
I am now looking for properties with an excellent IRR, and I will find them doing<br />
the "Calculation".<br />
I am also in week four of the mentoring program and am currently trying to use<br />
the newly acquired skills of "Direct Response marketing" and the one I am really<br />
impressed with is "Passive Marketing", will feed back shortly on progress.<br />
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God Bless<br />
Tuesday, September 27, 2005 Alan Boucher<br />
My Success Storey started when I decided to give control over to the Great<br />
Architect and to let Him rule my life the way He wants.<br />
During the last couple of months I have grown tremendously and Hannes and the<br />
<strong>Wealth</strong> <strong>Creation</strong> Team has a lot to do with this growth. Hannes at his seminars<br />
and through the mentoring program taught me many things, one of which was to<br />
take control of my finances but also to commit and stay committed to my dream.<br />
Recently I have ‘conquered’ the big Mount Kilimanjaro. I summated the mountain<br />
on Monday morning (19 September 2005) at 04H00. I was there first and could<br />
stand on top of Africa, alone: Only me, my God and my thoughts. I said a prayer<br />
and thanked God for the road He has guarded me upon. As I was walking back<br />
to meet up with my partner I thought: Summating this mountain is like taking<br />
charge of your life (including your finances) – the first step is driven by the<br />
challenge. <strong>The</strong> further you walk the harder you must work at keeping your goal in<br />
mind. All the way the guide would remind us to keep Uhuru Peak (the goal) in the<br />
eye. When I started of on my way to financial freedom I was all excited, but the<br />
excitement faded and I realized: this is the time to stick to the system and keep<br />
my eye on the goal.<br />
Reaching the highest point in Africa is great, reaching your financial goals might<br />
even be better!<br />
This experience was enhanced by what Hannes toughed me. Take life a step at<br />
a time! Joining <strong>The</strong> <strong>Wealth</strong> <strong>Creation</strong> Team was my first step.<br />
Hendrietta<br />
Tuesday, September 27, 2005 Hendrietta Mostert<br />
Dear Hannes,<br />
Thank you for the opportunity to share with you my story.<br />
I started BCom Law in 1996 full time at RAU, today University of Johannesburg<br />
and completed with it in 1999. After that I did my LLB part time while working at a<br />
legal firm. Some time during this period I stared to lose interest in law and<br />
finished with my LLB in 2003.<br />
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I attended your free seminar in May of this year and the Property Pro course in<br />
August. Now, that was absolutely mind blowing, thank you very much! I have<br />
also bought my 1st house with an IRR of more than 100%. Currently I am busy<br />
with week 6 on your mentor program. Every week just make me more exited.<br />
I have done marketing for the last 4 years and have sat on the wrong side of the<br />
table just too many times. Don’t understand me wrong the experience I have<br />
gained as a marketer is absolutely priceless. Slowly but surely I was getting<br />
worried because marketing and the whole corporate thing was not doing it for me<br />
any more. So where to go now???<br />
Some time 2 weeks ago while reading through your mentor program it hit me like<br />
a brick between the eyes. How can I apply your first law…..how can I invest in<br />
myself while doing my work and reach for my dreams????? I am so excited!!!!!<br />
Here is my plan I decided on.<br />
1) Start doing my articles and attend law school in January 2006<br />
2) To qualify myself as an attorney as soon as possible.<br />
3) To qualify myself as a conveyancer as soon as possible.<br />
I am taking responsibility for my actions by committing myself again and going for<br />
my dreams.<br />
I thank you and your whole team for the support.<br />
Kind regards,<br />
Abe Kempen<br />
Tuesday, September 27, 2005 Abe Kempen<br />
Hi Hannes and family<br />
Towards the end of 2004, a friend of mine introduced me to your ideas and<br />
seminars/courses. On his advice, I immediately purchased two properties as<br />
there was only space on your seminar in 2005.<br />
During the beginning of the year, I attended your seminar, did your property pro<br />
course and purchased your property pro software. I am also participating in your<br />
mentorship course. I am amazed at my age of 61 by these interventions, to find<br />
out how much I have missed in my life. However, I found that it is never too late<br />
to start. I now have four properties and have started my own little sideline<br />
business which is also growing. One of it is to sell Cape dried peaches from my<br />
families farms in Montague.<br />
I was extremely disappointed in the pay-out of a 20 year savings plan by a well<br />
known insurance company(less than 6% gained on top of my premiums paid<br />
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during the period). I have some more to be paid out, but am not optimistic at all.<br />
On the other hand, my properties are growing at a remarkable rate, even though<br />
the market is at a lower level presently.<br />
I have changed one of the bedrooms with on-suite bathroom in my house by<br />
adding a little kitchen in the one corner and external door which I am renting out.<br />
Just recently, I got the idea to add a bay window. <strong>The</strong> supplier did this in one<br />
day, adding enough space for a small lounge suite. <strong>The</strong> rental from this and the<br />
tenant in one of my newly purchased units cover my bond on the new unit plus<br />
the levies.<br />
One Saturday night in April, we watched TBN. <strong>The</strong> presenter spoke about 58<br />
blessings from Isaiah 58. He then called upon the viewers to contribute $58 per<br />
month for 12 months to spread the gospel. You had to make a list of your 58<br />
blessings for yourself and others. My wife and I did that, but contributed R58 per<br />
month to our local world evangelism and missionary organization. Within five<br />
days we got a call from Cape Town. <strong>The</strong> cell provider offered a discount on our<br />
cell phone contract of more than R50 per month for 24 months plus a new phone<br />
and our remaining three months of the contract cancelled. <strong>The</strong> new phone was<br />
delivered at my office within three days. Many of the blessings on our list have<br />
already happened.<br />
<strong>The</strong> above action was actually triggered before by Hannes` call to also give to<br />
those in need and he also sets the example. <strong>The</strong> ideas that was triggered by<br />
Hannes’s interventions in the lives of me and my wife is still amazing. I have also<br />
adopted his views not to associate with negative people. I have spoken to a<br />
negative friend about this and his attitude changed to such an extent that after a<br />
month thereafter his bank balance was positive for the first time in many years of<br />
his business.<br />
So, your interventions changed me and my wife’s lives in remarkable ways we<br />
have never thought of, even at our age. <strong>The</strong> money spent on these have on its<br />
own earned an amazing amount. <strong>The</strong>re is definitely a multiplier effect present.<br />
May you and your family be blessed together in this great task you have taken<br />
upon your shoulders?<br />
Pieter and Dia Enslin<br />
Tuesday, September 27, 2005 Pieter Enslin<br />
If a man is called to be a street sweeper, he should sweep streets<br />
even as Michelangelo painted, or Beethoven played music, or<br />
Shakespeare wrote poetry. He should sweep streets so well that all<br />
the hosts of heaven and earth will pause to say, here lived a great<br />
street sweeper who did his job well.<br />
Martin Luther King Jr<br />
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Hannes Dreyer is the cause of my midlife crisis at age 38<br />
I joined the mentorship program on 9 February 2005 after attending one of the<br />
free informational seminars. I had been reading books on wealth creation for<br />
three years prior to this, but without actually taking any concrete steps that could<br />
bring me closer to my goals. I found the weekly lessons extremely informative<br />
and enrolled in the Property Workshop in April. Hannes explained his formula for<br />
riches. <strong>The</strong> “S” in the formula meaning “surplus” was a real problem for me.<br />
Being in a dead-end job there was no surplus to talk about. I was at this stage a<br />
farm manager on a fruit farm in the Hemel-En-Aarde Valley near Hermanus.<br />
<strong>The</strong> realization that I needed to do something major to remedy our monetary<br />
situation caused a lot of stress. I needed to create a surplus for investing in<br />
property, but how? I spent sleepless nights thinking about it, got anxiety attacks,<br />
not to mention mood swings. I had a full-on midlife crisis at age 38! Thank you,<br />
Hannes.<br />
In one of the lessons Hannes said that you must find out what keeps you poor<br />
and then create a plan that will change your situation. What kept me poor was<br />
working for a salary at a small company without any chance of a promotion. I had<br />
been working my entire career on this farm – 15 years in all. I lived in a small<br />
modest house, but with a stunning sea view over Hangklip and Betty’s Bay. <strong>The</strong><br />
farm is absolutely beautiful with lots of wildlife and natural fynbos vegetation. To<br />
give this up needed careful consideration. But in my heart I knew I had to quit this<br />
job in order to move forward. I now had 2 choices: quit and find a new job or quit<br />
and start my own business. This in itself caused a lot of stress.<br />
<strong>The</strong> last five years I have been studying and practicing biological farming or<br />
sustainable farming, as it is sometimes known. I started using compost extract to<br />
rehabilitate the soils of the farm. Compost extract is a water extraction of the<br />
microbes present in compost and subsequently growing them in the solution by<br />
adding certain foodstuffs and aerating the solution to keep it aerobic.<br />
Conventional farming practices destroy the microbial life in the soil and as a<br />
result pests and diseases run rampant, fertilizer utilization is very ineffective<br />
(50% gets lost and end up in the ground water) and yields and quality suffer.<br />
Compost extract is an inexpensive way to reintroduce beneficial microbes back<br />
into the soil. I lowered my nitrogen applications by 70%, pests and diseases are<br />
much less and my quality and production is much better than it was 5 years ago.<br />
<strong>The</strong>re are very few farmers in South Africa using compost extract and most of the<br />
knowledge had to be sourced from America. Last year I decided to form a study<br />
group where likeminded farmers could exchange knowledge and experience. At<br />
the launch 47 farmers, researchers and technical people attended and during<br />
that day it became clear to me that I am actually far more advanced in this area<br />
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than any of the other farmers and that the research community was also lagging<br />
behind in their studies.<br />
Under my leadership the study group had grown to more than a 100 members by<br />
the end of 2004. Having such a following made it possible to attract very good<br />
speakers and the knowledge of the group was greatly enhanced. I have about<br />
350 farmers on my mailing list at present. Sending notices and minutes of<br />
meetings became laborious and I consequently started a website that has been<br />
operational since July. <strong>The</strong> web link is http://www.sustainablefarm.co.za/ I<br />
remembered what Hannes had said about the importance of a database and I<br />
used the same company as he did to design our study group website. People<br />
who want to access information can do so free of charge, but they have to<br />
register.<br />
Hannes also said that in order to be a successful entrepreneur you have to do 3<br />
things:<br />
1. Identify a need that people have.<br />
2. Create a solution that they are willing to pay for.<br />
3. Market and sell it to as many people as possible.<br />
Here was clearly a need. Every farmer wants to lower his production costs and<br />
increase his yield and profits. Biological farming practices can fulfill this need, but<br />
most farmers are ignorant in this regard. <strong>The</strong>y are so used to being brain washed<br />
by fertilizer and chemical reps, that they find it unbelievable that microbes could<br />
be the answer to their prayers. <strong>The</strong> educational institutions are no help either. I<br />
studied for five years at university and they never mentioned the importance of<br />
microbes – not even in soil science.<br />
<strong>The</strong> solution is the reintroduction of microbes and the building of soil organic<br />
matter. I decided to sell compost tea machines to enable farmers to multiply their<br />
own microbes. Microbes multiplied by this method are not stable and need to be<br />
applied within hours of production; otherwise I would have sold the finished<br />
product in stead. I will also sell the compost and other ingredients that are<br />
needed to prepare the extract. Persuasion through education is vital. Workshops<br />
seem to be the answer.<br />
In order to spread the message I needed a platform and the study group and the<br />
website provided such a platform. <strong>The</strong> mailing list gives me an excellent<br />
opportunity to market my product and services. I also decided to give lectures in<br />
order to educate farmers in biological farming.<br />
Ok, so this was the plan. Before I decided to quit I had to make very sure that my<br />
assumptions about the market potential were correct. I decided to use my holiday<br />
time to test the market and to test it in an area where I was relatively unknown. I<br />
planned lectures in Oudtshoorn, Uniondale and Kirkwood. Not many people<br />
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attended since most farmers were away on holiday, but I got orders for 3<br />
machines. This was more than I had expected and a sign to go ahead.<br />
I resigned on 9 July 2005, giving the owners a month and a half to find a<br />
replacement. I can, without a doubt, recommend Aloe Ferox Muscle Gel for neck<br />
pains associated with handing in a resignation after 15 years of service. I know<br />
now that I made the right choice, especially after the lead handshake I received<br />
on my departure. I left the farm on 31 August and have now been in business for<br />
myself for a month. I started giving lectures while still employed on the farm<br />
which meant orders and an adequate cash flow from day one on my own.<br />
Farmers need to see before they believe. I decided to produce a film of my<br />
successes on the farm. Luckily I had bought a digital video camera in the start of<br />
the 2004/05 season. I used this footage and, with the help of a professional,<br />
produced a stunning short film illustrating what can be achieved when your soil is<br />
healthy. I also invested in an interesting DVD on how microbes interact with each<br />
other. I use these as visual aids that often clinch the deal.<br />
I have given 7 lectures to date to roughly 200 people, sold 11 machines with a<br />
couple of orders still pending and am doing consulting on the side. An article<br />
about me was published in the Landbou Weekblad of 27 May and I managed to<br />
get on the front page of <strong>The</strong> Farmers Weekly of 23 September 2005.<br />
This business venture is truly a class one experience:<br />
It feels good,<br />
Is good for me,<br />
Is good for others,<br />
Serves the greater good.<br />
Can you imagine the satisfaction that arises when one helps a farmer to produce<br />
his crop in an environmentally friendly manner while increasing his profits?<br />
Consumers will benefit by eating a healthier product and the world will be a better<br />
place because of it.<br />
I always wondered what my destiny would be and what contribution I would make<br />
to this earth. I think I have identified my task, albeit a massive one. Someone<br />
once said that if you have a noble cause then the whole world will conspire to<br />
help you succeed. I hope this is true in my case.<br />
Thanks, again, Hannes!<br />
Jako Pieterse<br />
Monday, September 26, 2005 Jako Pieterse<br />
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Dear Hannes,<br />
I attended your Property Pro Course in 2003. I just finished my studies at the<br />
University of Pretoria and obtained my BCom (Accounting Science) Honors<br />
degree and CTA (certificate in theory of Accountancy – pre-requisite to become a<br />
Charted Accountant). I started with my internship at PriceWaterhouseCoopers.<br />
Like any young adult (after studying), with no practical experience, but a big<br />
degree and big company behind your name – no one can tell you anything and I<br />
was a little bit arrogant. <strong>The</strong> sun literally shined out of my behind. If you didn’t<br />
study BCom (Accountancy) or aspired to become a CA, you shouldn’t even<br />
waste your time with any other studies.<br />
My first few months of internship were amazing. <strong>The</strong> practice taught me a lot and<br />
I enjoyed it to go to a new company every 4 weeks and audit their financial<br />
statements. I saw a lot of systems and controls. But … as you all know an intern<br />
doesn’t earn much (you are basically cheap labor). So the euphoria of my first job<br />
and excitement quickly disappeared, as I bargained that with my degree I would<br />
make a lot of money. <strong>The</strong> opposite in real life happened … as an intern you work<br />
your butt off and earn very little.<br />
This is when I saw your advertisement in the middle of 2003 in Rapport. I<br />
attended you free information session and were seriously impressed. This is<br />
where I had to take a big decision in my life. Due to the fact that I haven’t worked<br />
for a long time, I didn’t have a lot of money and time to acquire capital. As an<br />
intern I earned R4600 per month before tax. I was too shy to ask for any discount<br />
and used all my savings and a whole month’s salary to attend your one-day<br />
property course and buy your property analysis software for R4200. On the<br />
Thursday I took sick leave from work (we weren’t busy this week at work) to<br />
attend your course. I had a hard time during that month, as now I had very little<br />
cash (cash flow) too pay rent and eat (a person has to eat), but somehow I<br />
coped. But the best thing was that I invested in myself and the Friday when I<br />
returned to work I had this feeling of freedom and no matter what happens to me<br />
and in the future, the information I obtained from the course can never be taken<br />
away from me. When I spoke to the partners on that day, I had the feeling that for<br />
once I know something you don’t know. I was free and they weren’t!<br />
<strong>The</strong> course was truly life changing. An auditor is extremely conservative. Luckily<br />
for me, that part of my training as an auditor, didn’t affect me at Hannes’ course<br />
and I quickly accepted what he taught us. My eye patches were removed.<br />
My reason for this introduction is to set the scene of what can be achieved with<br />
little capital and with “applied knowledge” after the one-day course. Hopefully<br />
does my story motivate everyone that anything is possible?<br />
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To refresh your memory. At the age of 22, with a salary of R4600 p/m before tax,<br />
I bought my first property in September 2003 (a 2 bedroom duplex with a garden<br />
and lock up garage in Centurion). <strong>The</strong> best of it all was that I bought the property<br />
for free.<br />
I was also lucky enough to win Hannes’ <strong>Wealth</strong> Pro course through the feedback<br />
I gave at the Property Pro course. Again I had the opportunity to invest in myself.<br />
I would like to share my motto with everyone that probably made me win the<br />
<strong>Wealth</strong> Pro course: “A candle’s life never shortens when lighting 1000 other<br />
candles. Happiness never decreases when being shared.” This is my life motto<br />
and whenever I feel down I just try to smile or make someone else smile. After<br />
this I feel tons and tons better.<br />
I was like a small child (small boy) after both of your courses. You became my<br />
hero. You became my first financial hero who removed the curtains in front of my<br />
eyes.<br />
So here I am now. <strong>The</strong> first time I heard of your Mentor programme, I knew it<br />
would be of high standards, quality and only the best information that would be<br />
applicable in practice. That you already proved to me in your previous courses.<br />
You also previously proved that you have a balanced life with integrity. So I<br />
immediately joined your programme.<br />
To continue, I bought my second property in Menlyn, 6 months after my first<br />
property on exactly the same salary of R4600 p/m. I did this by starting a<br />
business in the previous 6 months that generated a profit of R7000 p/m (almost<br />
double what I was earning as an intern) and I created jobs for unemployed<br />
people. This is the first time I experienced what you must be feeling after you<br />
receive all your positive feedback, how you changed a person’s life. I sold the<br />
business in February 2004 and made a profit of R40, 000. That immediately paid<br />
my deposit and transfer fees for my second property and therefore the second<br />
property were also for free.<br />
To make a long story short, in July 2004 (in one month), I bought another 3<br />
properties. So on the age of 23 I suddenly had a property portfolio of 5 good<br />
properties in good areas with good capital growth and with bond payments and<br />
rental income that broke even. This means that all five my properties were for<br />
free and I don’t have to pay in 1 cent per month.<br />
This good foundation of property and applied knowledge allowed me to start now<br />
in 2005 with my first small property development.<br />
All these successes I feel I achieved in my live, was by using Hannes’ first rule:<br />
Invest in yourself. This is extremely important! In these 2 years I read plenty of<br />
books and attended plenty courses that enriched me and let me grow as a<br />
person. All this knowledge (excluding the cost of your courses) cost me over<br />
R20, 000. <strong>For</strong> that R20, 000, I didn’t receive any degrees or diplomas, but do you<br />
know what? <strong>The</strong> best of it all is that all of that knowledge is with me. It doesn’t<br />
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matter what happens. If I’m insolvent in the future and loose everything, I do not<br />
loose the knowledge and I would know how to get out of that situation. This<br />
opens your eyes, especially if you come out of a Charted Accountant<br />
environment and worked for PriceWaterhouseCoopers. You see a lot of high<br />
qualified and high paid individuals that doesn’t really know what life is about AND<br />
only live in their own rat race. <strong>The</strong> carrot of “qualification and lots of money” was<br />
put in front of them and they are just the willing donkey that takes the easy road. I<br />
will rather walk the whole way and take the high road, which I know won’t be<br />
easy, but after you reach the top the scenery would be worth it and after that the<br />
road gets easier.<br />
My road wasn’t easy. It takes a lot of dedication, but it is also important to have<br />
the right support base. My family supports me fully and my girlfriend of 4 years<br />
also walks the whole route with me. Sorry, I’m lying. It’s not my girlfriend. I got<br />
engaged in July and we’re getting married in April 2006! With such a foundation<br />
the difficult times can come. I will overcome it.<br />
Thank you Hannes for all your passion and commitment. Thanks that you’re<br />
always there with your jokes and motivation. It helps a lot when you hit tough<br />
days or especially when I get impatient.<br />
I only wish the best for you, your wife and your children.<br />
Warm Regards and Best Wishes<br />
Philip Viviers<br />
(Your new Mentorship family member)<br />
PS: If you want to read more about my life story, remember the name Philip<br />
Viviers and one day you’ll be able to read my autobiography.<br />
Monday, September 26, 2005 Philip Viviers<br />
Hannes identified an opportunity I was sitting on in February this year after I got<br />
retrenched. I had been running my own property rentals from an Internet based<br />
system that I developed.<br />
Hannes prompted me to change this into a business venture. We started the<br />
company called PrivateLetting that provides an Internet rental based system for<br />
individuals who are interested to manage the rental property themselves.<br />
Check it out on www.PrivateLessor.co.za. <strong>The</strong> company was started with no<br />
money and was profitable within 10 days from “opening the doors”.<br />
<strong>The</strong> business requires very little maintenance/time so the profit can mostly<br />
considered passive income. After the first 4 months of operation we have made a<br />
net profit of R26, 000.00.<br />
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<strong>For</strong> most of this time we did not even market the service. In August we started to<br />
do some marketing and achieved a turnaround of R28, 000.00.<br />
<strong>The</strong> journey has been a learning and exciting experience for me, who before this<br />
only had very little business experience. I have learned how you adapt initial<br />
ideas and how one idea leads to another. <strong>The</strong> number of people you meet with<br />
fresh new ideas on how to improve/expand what you are doing have been most<br />
surprising to me.<br />
Thanks Hannes, for opening my eyes to a whole new world and I can testify that<br />
you can indeed start a profitable company with no (or very little) money.<br />
Gideon Le Roux<br />
Monday, September 26, 2005 Gideon Le Roux<br />
Hallo Hannes,<br />
Well, met die skrywe het ek `n week gelede aangesluit. Ek is `n sprekende<br />
voorbeeld van iemand wat `n "goeie pos gehad het, met `n goeie inkomste<br />
........... en 65 bereik het met die dodelike besef dat daar nie passiewe inkomste<br />
vir ons is nie !" ( Sage se Agency Pens.Fonds - na 18 jr. diens het `n skamele R<br />
540,000 kapitaal opgelewer ) Ek was `n korporatiewe "fool" my lewe lank.<br />
Al wat ek kan wys is `n skuld - vrye balansstaat en `n paar honderd duisend wat<br />
ek gespaar het ( geldmark ) en waarop ek natuurlik geen opbrengs het nie. Ek<br />
het jou eerste eendag-kursus bygewoon .......... en niks verder gedoen nie ( ek<br />
was te besig om goeie geld te verdien ) Na my 65 ste op 23 Feb. 2005 het ek<br />
"gesoek / gewonder / nagte wakker gele - en niks gevind wat my sou verseker<br />
dat ons toekomstig versorg sou wees nie ............. totdat ek gelees het van jou<br />
mentor - program .......... en daar het `n lig vir my opgegaan ........... hoe, wat en<br />
wanneer weet ek nog nie - maar ek weet ek het dit gevind wat my opgewonde<br />
verseker dat ek vir ons baie vinnig `n passiewe inkomste gaan bou, asook wat ek<br />
my energie op gaan spandeer vir die res van my lewe.<br />
Ek en Lida is 43 jr. getroud, beste maats en vertrouelinge, 2 seuns en 2 dogters (<br />
5 kleinkinders ) .......... ons oudste dogter Anette, was tot op ouderdom 18 by Pta.<br />
Skool vir serebraal - gestremdes - en 14 jr. gelede `n tuiste gevind by "Connie<br />
Mulder Sentrum vir volwasse verstandelik - gestremdes" Finansieel gaan dit<br />
maar broekskeur daar ........... maar ek het 2 jr. gelede besluit om hulle te help<br />
om selfversorgend te raak d.m.v. passiewe inkomste. Hulle reserwe grond van<br />
10 hektaar is onbelas en ek het onderhandel om `n Aftree - oord te laat<br />
ontwikkel. Na maande het die "ontwikkellaar nie to light gekom nie" - en ek het<br />
weer van vooraf onderhandel met iemand .......... wat tot op datum - na 3 mnde.<br />
ook maar verdag lyk. As hy nie gou begin "deliver" nie sal ek eenvoudig met die<br />
volgende gaan onderhandel ! Nietemin, wat ek se is .......... ek het 2 "gesinne"<br />
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waarvoor ek ge - commit is om goeie passiewe inkomste te verdien - en damn<br />
gou ook ! Ek stel nie belang in Mauritius nie - maar wou jou net laat weet hoe<br />
geweldig seker en dankbaar ek is dat ek die "regte ding" raakgeloop het en hoe<br />
totaal ek ge - commit is ! .......... jy is gestuur !<br />
Groetnis !<br />
Johan Lubbe.<br />
Monday, September 26, 2005 Johan Lubbe<br />
Dear Hannes,<br />
Congratulations on receiving your Doctorate and also a big thank you as I’m sure<br />
this will add serious credibility to our amazing program!<br />
At your seminar, evening of the 14th Sept 2005, a gentleman from the back<br />
asked me rather sarcastically whether I was making money and I spontaneously<br />
answered YES! Without having the opportunity to explain.<br />
This is for you Sir!<br />
We have 5 creditors that we’ve been paying off every month without fail for the<br />
past 3 years. Quite frankly, it becomes such a bind and you dare not miss a<br />
payment.<br />
A month ago I made up a file for each respective institution and actually went<br />
through the papers very carefully to find that there were some errors.<br />
<strong>The</strong>resa and I decided that we would approach each one personally .So we<br />
picked a day and set out early and managed to cover all we set out to do .I must<br />
tell you that we were well received and treated very well by all we came into<br />
contact with .<strong>The</strong> result was that one debt of R18000 was totally written off while<br />
the others were dramatically reduced and capped with no interest. So R135000<br />
was reduced to R28000, a saving of R107000, all in a day of taking<br />
responsibility. Thanks Hannes!<br />
We were offered to purchase the salon where <strong>The</strong>resa works! After Hearing the<br />
offer and doing the calculations, we decided against it. Instead, we offered to<br />
simply rent the space she was using rather than be an employee, income<br />
increased by 60%!<br />
I hope this answers your Question.<br />
After Big pawpaw hit fan a few years back I had to make a plan in a hurry<br />
.Looking for a job was the wrong thing to look for. A fellow on the roadside taught<br />
me to refill motor car air cons and I could see this as my relief and it certainly<br />
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seemed lucrative. One problem, no money to buy the equipment .Another plan .I<br />
saw a fellow selling a product on the roadside once again .<strong>The</strong>y were selling like<br />
hot cakes .Having never seen these things before, I simply had to find out where<br />
he got them .Needless to say, I did locate their origin and it took me all of a week<br />
to move enough to enable me to purchase my aircon equipment. <strong>The</strong> first day I<br />
set up my aircon stand-in my books, I made a very good living.<br />
It took me almost a year to do the one day Property Pro Workshop and another 2<br />
months after that to get on the mentoring Program .We had to set a goal for me<br />
to achieve this .Up to that point I watched Hannes's DVD till it came out my ears,<br />
simply because I loved hearing it over and over again, almost drove my family<br />
nuts.<br />
One of the things that came out of all this, I realised that I can’t be doing this for<br />
ever, I need to increase my income. So after receiving formal training in the<br />
aircon industry (<strong>For</strong> Free),I Recruited 4 young people and offered them 50%.I<br />
have now taught them the business .I used what ever equipment I had and what I<br />
didn’t have I made up. In this last week I set up the other 3 stands and hopefully<br />
we’ll have a steaming summer.<br />
We are currently talking to a leading petroleum company concerning an idea I<br />
have in the aircon business, to my surprise, they’re keen to take it further.<br />
Through the mentoring program, I was motivated to create passive income<br />
streams. I am in the process of setting up my website through Radds, Which will<br />
link my affiliation.<br />
I also approached a short term insurance company who will give me commission<br />
for every client I bring in .I am now in the process of marketing my aircon<br />
business and on the flip side will be my internet businesses .I is very confident<br />
that this will work for me and many others.<br />
Property has always been a business I’d love to get into.<br />
I know that Hannes is not pro speculating although he shows us how! I would<br />
really love to flip a few to simply get a bit cash strong .I approached a person<br />
who has the means to obtain a bond and I’ll do the work via Property<br />
Investments website .I have to do this , besides , half a slice is better than no<br />
slice at all at this stage.<br />
Another Gent asked if it was variable to do the Property Pro workshop if one had<br />
a tainted credit record.<br />
My answer to that is you definitely must. Get with the program, it will motivate<br />
you to take action and not miss out .Deal with your issues and get removed from<br />
the credit bureau, sometimes we land up with bad credit ratings through no fault<br />
of ours, however the responsibility still remains with us!<br />
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My Biggest goal right now is to get my wife off her feet as a hair dresser. She has<br />
been the absolute strength in our family and through <strong>The</strong>resa ,I’ve been able to<br />
run with these ideas .We have the most amazing two children in the world who<br />
have really supported us and have also learnt what not to do in a real life<br />
experiences .<br />
With Hannes's program, we feel we’ve been given yet another chance in life.<br />
Our story is certainly not meant to be self centered but rather an encouragement<br />
to those people who believe there is no way out .Success is a mindset, I also<br />
understand that you can’t be telling people of poverty stricken countries this ,<br />
however , we can make a difference by making a deference in peoples lives one<br />
at a time .<br />
Quote! Robert Buisson of Primerica Financial Services (USA) was once asked in<br />
an interview.<br />
How did you build a huge organization? His Answer!<br />
<strong>The</strong>y asked Mother Teresa,"When you look at the worlds poor, isn’t it<br />
overwhelming?" She said, "No, no, no."<br />
She doesn’t try to solve the problem of the world’s poor. She works one-to-one:<br />
She found a guy in the ditch and gave him something to drink.<br />
Thanks again Hannes and to Tanja for making Hannes develop the mentoring<br />
program.<br />
Kind Regards<br />
Clive & <strong>The</strong>resa<br />
Monday, September 26, 2005 Clive Wetherill<br />
<strong>The</strong> will to win, the desire to succeed, the urge to reach your full<br />
potential… these are the keys that will unlock the door to personal<br />
excellence<br />
Eddie Robinson.<br />
<strong>The</strong> principles taught and reinforced in the course enabled me to pass on<br />
valuable insights on to my 17 year old son. This enabled him to have a good<br />
understanding of financial concepts at an early age. It was very satisfying to see<br />
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him applying his learning’s and to buy his first property a year ago using his own<br />
savings. I will consider it a major success if that helped to launch him on the road<br />
to financial freedom<br />
Monday, September 26, 2005 Nick Acker<br />
Dear Hannes<br />
I am writing to you from Karang Nymbor, Krui, Sumatra Island in Indonesia. I am<br />
on a surf trip with my best friends, surfing the most perfect waves imaginable!<br />
This is an update to my first success story. Personally, I feel that there is no ONE<br />
success story! Success is an ongoing process. It never stops! Each day, each<br />
hour, each minute and each second is given to us to use in order to reach<br />
millions and millions of small successes. This process will never end in my life.<br />
Something that stops growing dies!<br />
<strong>For</strong> the first time in my whole life I am running a profitable business. In the past,<br />
I’ve always been dependent on big once-off deals for my income. <strong>The</strong>re were no<br />
return business or rollover income. This was something that had been bothering<br />
me for some time. <strong>The</strong> once-off deals were not helping me to reach my goal of<br />
creating a concept to provide me with a passive income. With my passion being<br />
business in the wine industry, I put much thought into developing a unique<br />
concept that will fit into the accelerator system - …and then came “BLANK bottle”<br />
Wines!<br />
I visit exclusive wine estates, taste different barrel samples and identify blending<br />
potential. My passion for people drives me to create unique blends of premium<br />
quality wine from these barrels. I then sell these blends directly to the consumer<br />
as a BLANK bottle. As the name implies, labeling is limited to the BLANK bottle<br />
label and does not include the cultivars name, year or origin, adding to the<br />
mystery behind your BLANK bottle. However, a unique feature of the concept is<br />
that you can enter the batch number (printed on the neck of your bottle) on my<br />
website, www.blankbottle.co.za, which gives you access to the unique story<br />
behind your BLANK bottle (cultivar, origin of grapes, winemaking, ageing,<br />
blending, notes from the winemaker etc.)<br />
<strong>The</strong> fact that you can only buy BLANK bottle directly from me, shifts the financial<br />
benefit from the wine agent or store to the consumer. This makes it possible for<br />
my clients to bring quality wine to their dinner table (averaging between retail<br />
value of R80 to R150), whenever they choose, as they are only paying R25 to<br />
R35 per bottle. NOW, making it possible for all of us to appreciate and learn to<br />
distinguish good wines.<br />
All wine selected and blended for BLANK bottle is of supreme quality and has<br />
aged in new French oak barrels, good for immediate consumption or ageing up<br />
to 10 years. Even though each small batch of wine is different, quality is always<br />
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my main focus as my clients well know. I have also developed a rating system for<br />
my wines, enabling wine buyers to expect a consistent quality.<br />
I run the business from my house and rent space in wineries. I have minimum<br />
infrastructure and deliver door to door anywhere in the world. <strong>The</strong> business was<br />
specifically developed to suite internet marketing. <strong>The</strong>refore I have a simple, yet<br />
effective business. I can handle a lot of business with minimum staff and work<br />
from anywhere in the world!<br />
Other than that I am attending seminars on trusts, studying an internet marketing<br />
course and “BLANK bottle” is growing day by day.<br />
In the past few months I started painting canvases as a hobby, which I’ve turned<br />
into a profitable business too! My wife likes painting, and I bought her a BLANK<br />
canvas for her birthday. It looked like a nice hobby and I subsequently bought<br />
myself a canvas too. (Please bear in mind that I’ve never painted anything in my<br />
life!).I hung it in the lounge, and my plan was to add something every now and<br />
then when I get the urge! One night we had some friends over, and somehow I<br />
ended up asking everyone to add whatever they thought the painting needed. It<br />
took some convincing as everyone had excuses of not being an artist etc.<br />
Eventually, a few hours later, the creative juices (and BLANK bottles!) were<br />
flowing freely and all 8 did their bit. Nothing matched and it looked crazy to say<br />
the least. <strong>The</strong> next day I told my wife I was going to sell the painting (she just<br />
laughed, but not too loudly as she knows me well!). I took the painting to a friend<br />
of mine who owns an interior shop. Seeing that the creativity was flowing out of<br />
the BLANK bottles, we decided to market the painting as the official painting of<br />
BLANK bottle Batch 3 – 43 ( My first batch of BLANK bottle). Well, it did<br />
sell…….for R 3 000, 00! Needless to say, now every new batch I release has its<br />
own original painting. I’ve decided to not sell it from now on, as it has more value<br />
to me as a publicity tool in the long run!<br />
I’ve also done my first half marathon. I don’t jog. But my wife challenged me and I<br />
completed the Knysna Half Marathon in borrowed second hand running shoes,<br />
without a day’s practice…… 10 minutes faster than my wife (which she is<br />
obviously not too happy about as she practiced for a year!)<br />
I present as many wine tasting as possible, in order to increase the amount of<br />
people that believes in my product. My database will reach 200 entries before the<br />
end of the week. I travel and love life more and more. I now belong to 2 business<br />
study groups where we discuss business, hold each other accountable and<br />
support one another.<br />
Well the waves are perfect 6 to 8 foot in front of the surf camp and the water 29<br />
degrees Celsius. I’ll be going for surf now. While I am here my first employee is<br />
working back in South Africa. My second painting is almost done and I am<br />
excited to get back to reality. I love my job, my life, my wife and above all God is<br />
in control of everything I do. <strong>For</strong> the simple reason that he is the real owner of my<br />
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company and my life and everything he gave me. “I have come that you may<br />
have life, and have it to the full!”<br />
Pieter Walser<br />
Sunday, September 25, 2005 Pieter Walser<br />
My story today is more about learning, mental shifts, changing habits and<br />
GRATITUDE. <strong>The</strong> big successes will follow, soon.<br />
Foundations and disciplines are two recurring themes being played to me at this<br />
moment in my life journey. Without surplus income, it is almost impossible to<br />
create wealth (Hannes’s ‘formula for riches’ highlighted this for me in a simple<br />
and clearly manner). Surplus income can only come when strict financial<br />
disciplines are in place – budgets, savings instead of spending, etc. One of Jim<br />
Rohn’s quotes on wealth says; “the philosophy of the rich verse the poor is – the<br />
rich invest their money and spend what’s left; the poor spend their money and<br />
invest what’s left.” (Hannes’s ‘Mercedes principle’ has illustrated this principle in<br />
a vivid way that it’s always on my mind!) <strong>The</strong>se were not lessons that I wanted to<br />
hear.<br />
<strong>The</strong> mentoring programme inspires, informs and creates pressure on my thinking<br />
to move from studying to gather more information to THINKING, PLANNING and<br />
ACTION. This has resulted in the following small victorious steps: 1) setting my<br />
six-month, three years and life goals; 2) making a decision not to return to the<br />
security of an income restricting career choice, but to pursue with urgency, total<br />
belief, commitment and enthusiasm my life-mission and strive towards my vision;<br />
3) to budget, plan and follow all the necessary disciplines to start generating the<br />
surplus income to invest in capital creation so that I will be able to buy my first<br />
property according to my LIFE BLUEPRINT. Faith, hope hard-work and total<br />
commitment. 4) Improving the key relationships in my life by working on myself<br />
first and live the truth that for things to improve, I have to improve; for things to<br />
change I have to change.<br />
My story pails in comparison to the many amazing success stories others have<br />
shared on this web site. Foundations and disciplines first! To end off with another<br />
quote from Jim Rohn; “We must all suffer from one of two pains; the pain of<br />
discipline or the pain of regret. <strong>The</strong> difference is discipline weighs ounces while<br />
regret weighs tons.” Thank you Lance Woolley for so enthusiastically telling me<br />
about Hannes, and your successes those many months ago. It began this<br />
challenging phase of the journey. Thank you Hannes for your knowledge,<br />
successes, passion, honesty and frankness. It is providing the road/life map for<br />
the journey. Thank you to all of you who have shared your informative and<br />
inspirational stories. <strong>The</strong>y provide the fuel for the journey!<br />
Sunday, September 25, 2005 Andrew Dumbris<br />
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We all need wealth creation hero’s... Warren buffet, Donald trump, Robert T<br />
Kiyosaki’s, Bill Gates etc... YOU are on top of my list!!!<br />
I have lied to myself so many times. Thinking myself into one deep hole, and<br />
then taking no action. Thinking of what I should ask, will my actions offend<br />
people, what if I lose something? Simply put that most of the time fear leads me<br />
to "INACTION" i.e. not taking action! Well from now on I am taking action. Before<br />
this letter I would never write something like this to you. But I have had enough of<br />
being afraid of asking questions about things I don’t understand (in general).<br />
FROM NOW ON I AM A LEARNING, QUESTION ASKING, BLOOD SUCKING<br />
ANIMAL, READY FOR ANYTHING. I refuse to hold back anything. If you don’t<br />
like me fine, I DONT CARE, but I am going to keep on trying until I am RICH!!!<br />
And it doesn’t end there, it’s a continuous lifestyle ("<strong>The</strong> day we eventually get<br />
there is when we are dead"). Don’t ask me why I am writing this... I am Sick of<br />
being Broke, I am sick of not being able to do what I want when I want, I am sick<br />
of peoples negative. Especially here in the Royal Marines. (Ek is Afrikaans, 20<br />
jaar oud. Het in 2004 England toe gekom). <strong>The</strong>re is only one thing that has<br />
robbed me from being rich, and that is people and their tiny mindsets and the<br />
devil!!! From now on I will let no one and nothing rob me form any riches that I<br />
am supposed to have... now I can almost hear people say "Oh, but you can’t say<br />
that", "You are just being greedy" or the most famous one is "You can’t do that".<br />
Dit maak my DE HEL IN!!! I am taking responsibility for my actions and I won’t be<br />
trampled on anymore. This is my time. I don’t care who you are If you don’t like<br />
me then go sit in a toilet and keep on working for the rest of your life.<br />
I never thought of writing this letter, It just happened. I just started writing out of<br />
my ANGER and PASSION. Anger because of barriers keeping me from riches<br />
and passion of wanting to be rich. From now on I will demolish those barriers,<br />
NOTHING WILL STAND IN MY WAY!<br />
PS God wants all His children to be RICH!!! If you disagree with that statement...<br />
then your father is the devil!!!<br />
PPS would not have come to SA in April if it wasn’t for your seminar. It meant a<br />
lot to me. Thanks.<br />
Saturday, September 24, 2005 Dian Joubert<br />
Liewe Hannes<br />
Wel ek is nou nie een vir woorde nie, maar met al die sukses stories van wat<br />
hulle van jou se en waardes wat toegevoeg word tot elkeen se lewe kan ek<br />
sekondeer.<br />
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Ek het al vier keer probeer om my eie besigheid oop te maak en elke keer was<br />
dit soos jy noem in jou mentors kursus "die bank will alles he as sekuriteit" en ek<br />
was te bang om daardie risiko te neem.<br />
Dus het ek my aandag aan eiendom begin toespits. Ek het geweet met eiendom<br />
kan ek nie verkeerd gaan nie. Soos die boek Rich Dad Poor Dad se dat jy jouself<br />
met positiewe en suksesvolle mense moet meng het ek gedoen en so vrae<br />
gevra.<br />
Ek het toe "aksie" geneem en eiendom begin koop (met my konserwatiewe<br />
maniere van sommietjies gedoen en my oe toegeknyp)<br />
So far so good!! Maar weet jy, ek sien soveel meer uit na om nog eiendom te<br />
koop en besighede te begin - nou het ek `n wen resep!! - Hannes Dreyer<br />
(grappie!!)<br />
Ek het jou seminaar bygewoon en kan nou met al jou ondervinding en seminare<br />
en seeninge van bo finansieel wel af wees (aftrede - dit was `n groot<br />
bekommernis aangesien polissie nie die weg vandag is nie.) Ek kan hierdie wen<br />
resep oordra aan my kinders en weet hulle sal ook vir hul families goed kan sorg.<br />
Baie dankie Hannes. Ek weet die Here seen jou ook - want jy gee sodat ander<br />
geseend kan wees!!<br />
Tanya<br />
Friday, September 23, 2005 Tanya Jansen van Vuren<br />
Beste Hannes en die span<br />
Ek wil begin deur te sê, Hannes dankie dat jy so ‘n onbaatsugtige persoon is en<br />
bereid is om jou kennis met ander te deel. Anders sou dit nie vir my, en baie<br />
ander mense moontlik gewees het om die pad te vind na finansiële vryheid nie.<br />
Ek het egter nog nie by my eind bestemming aangekom wat finansiële vryheid<br />
aanbetref nie, maar ek is sterk oppad, danksy jou “Property Pro” en<br />
daaropvolgende kursusse.<br />
My verhaal is miskien nie so indrukwekkend soos van die ander sukses stories<br />
wat ek al gelees het nie, maar dit gee my baie satisfaksie en daarom deel ek dit<br />
graag met julle.<br />
Ek het reeds twee meenthuise besit toe ek in 2004 die “Property Pro” kursus<br />
bygewoon het. Op daardie stadium het ek gedink dat dit ‘n paar jaar sou duur<br />
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voordat ek nog ‘n eiendom sou kon bekostig. Groot was my vreugde om uit te<br />
vind dat daar ‘n paar metodes was om nog eiendomme te kon bekostig.<br />
Ek het dadelik aan die werk gespring en was nog nooit van tevore so<br />
gemotiveerd om die regte eiendomme te bekom nie(met die klem op regte<br />
eiendom), want ek het geleer dat een regte eiendom meer werd is as vyf<br />
gemiddelde eiendomme.<br />
Die eerste van Hannes se sewe wette van eiendoms beleggings sê: “Belê in<br />
jouself, voordat jy in eiendom belê”,en dit was die enigste van die wette wat ek<br />
geken het voordat ek die “Property Pro” kursus bygewoon het. Die res van die<br />
wette het ek op die kursus geleer en dit was grootendeels verantwoordelik vir die<br />
sukses wat daarna gevolg het.<br />
My derde eiendom wat ek gekoop het was ook ‘n meenthuis. Ek het ‘n<br />
gemotiveerde verkoper opgespoor wat dringend van die eiendom ontslae moes<br />
raak omdat sy werk hom oorsee verplaas het. Dit het ‘n goeie platvorm<br />
daargestel vir ‘n uitstekende transaksie.<br />
Ek het van die onderhandelings tegnieke wat Hannes my geleer gebruik gemaak<br />
om ook ‘n goeie transaksie met die bank te beding vir ‘n billike rentekoers en ‘n<br />
100% verband wat kostes ingesluit het.<br />
Verder het ek my meenthuis uitverhuur, nadat ek die nodige kredietklarings en<br />
verwysings op die huur aansoekers nagegaan het. Ek het my huur inkomste en<br />
behoud van die gebou verder verseker deur van Hannes se voorgestelde<br />
huurkontrakte gebruik te maak. Tot vandag het ek nog dieslfde huurder en<br />
sonder enige probleme.<br />
‘n Vierde en vyfde eiendom het kort daarna gevolg, op dieslefde beginsels en<br />
metodes as eiendom nommer drie, behalwe dat die banke nie meer 100%<br />
lenings wat kostes insluit wou toestaan nie. Maar dit was ‘n geringe probleem<br />
aangesien ek van herfinansiering gebruik gemaak het. Ek het die maksimum<br />
bedrag op my eerste eiendom geleen deur middel van ‘n tweede verband wat ek<br />
oor die eiendom gerigestreer het.<br />
Die bedrag was groot genoeg om nie alleen net die kostes van eiendomme vier<br />
en vyf te betaal nie, maar ook die tekorte tussen die huur inkomste en paaiement<br />
en heffing betalings te finansier. Die eerste eiendom het nou al reeds inkomste<br />
ingebring, aangesien die die inkomste die betalings oorskry het, voordat die<br />
tweede verband gerigestreer is.<br />
Alhoewel ek weet dat al vyf my eiendomme baie goeie belegging is, was ek nie<br />
tevrede met die stand van sake nie, aangesien al vyf eiendomme ‘n klein<br />
inkomste voortgebring het of ek moes ‘n tekort inbetaal. Ek het nog steeds na ‘n<br />
belegging gesoek wat vir my ‘n substansiële maandelikse inkomste kon gee.<br />
Maande het verby gegaan en ek het na baie eiendomme gekyk, voordat ek op ‘n<br />
woostelblok afgekom het met 21 eenhede. Die vorige eienaar was te besig met<br />
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ander sake, met die gevolg dat hy die gebou baie afgskeep het, en op daardie<br />
stadium was net vier van die een-en-twintig eenhede uit-verhuur. Weereens was<br />
die vorige eienaar ‘n gemotiveerde verkoper en het ek ‘n baie goeie transaksie<br />
beklink. My vyf eiendomme wat nou al baie in kapitaal gegroei het, het ‘n baie<br />
mooi prentjie op my balaansstaat geskets, wat dan ook die deurslag gegee het<br />
dat ABSA Bank my met 48% van die koopprys of R800,000 teen prima rente<br />
koers gefinansier het. Die res van die koopprys word deur die vorige eienaar<br />
gefinansier teen ‘n vaste 6% rente oor ‘n periode van sewe jaar. Ek neem voor<br />
einde September 2005 okkupasie van die gebou en met goeie onderhandlinge<br />
het ek die vorige eienaar oorreed om ‘n bestuursagent aan te stel, wat intussen<br />
die gebou heeltemal uitverhuur het. My begrote netto inkomste nadat ek ook die<br />
paaiement betaal het gaan +/- R10,000 per maand beloop. Dit was my grootste<br />
sukses tot op hede. Ek wil egter ook my dank betuig teenoor twee persoon wat<br />
my van inligting voorsien het rakende woonstelblokke, wat vir my van onskatbare<br />
waarde was. Baie dankie Jimmy en Lynne Oosthuizen.<br />
Hannes weereens baie dankie aan jou. Die inligting wat ek gekry het op jou<br />
kursusse is ongelooflik goed en ek dink ek is ‘n voorbeeld daarvan dat dit werk.<br />
Groete<br />
Frikkie Pretorius<br />
Friday, September 23, 2005 Frikkie Pretorius<br />
My Success Story<br />
My story started 2 years ago when I was made redundant by an IT Company. As<br />
I was in my fifties, I suppose it can be summed up in the phrase "Too old and too<br />
expensive".<br />
At that time, I was not experienced in using my intuition, but the little voice inside<br />
did speak to me, and immediately the following were "obvious":<br />
* I was now on my own and therefore responsible myself.<br />
* Age makes no difference. So what! Especially if I have energy, ideas and<br />
enthusiasm.<br />
* As the circumstances had changed, I would have to change my<br />
habits/discipline. <strong>The</strong> next morning after being retrenched, I went to the gym and<br />
have kept it up as a habit twice or three times a week ever since then. As I see it,<br />
it’s not so much about the gym but about being disciplined and doing things<br />
differently.<br />
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* As I was in my fifties it was "obvious" that going to an Employment agency was<br />
not the route to follow. <strong>The</strong>y just filter you out!<br />
* <strong>The</strong> little voice inside also said: Do something I am good at; don’t do something<br />
I know nothing about. And that is what I have done. I have a niche in the<br />
Petroleum Industry and do specialised software for the Oil companies and their<br />
service stations.<br />
About 18 months ago I attended a John Kehoe "Mind Power" course given by<br />
Robin Banks. That was the start of the realisation that all the answers are<br />
"within", and that achieving goals has a lot to do with visualization and the power<br />
within.<br />
It was also the start of my discovery of self-education (rather than waiting for a<br />
company!). Since then I have read some 20 books - John Kehoe, Robert<br />
Kiyosaki, Suzie Orman, Zander & Zander, Bob Burford, Anthony Robbins, Jim<br />
Dornan, Napoleon Hill, Michael Gerber, Dolf de Roos, Susan Jeffers. Many of the<br />
same points are made by the different authors, but from a different angle. This<br />
helps to reinforce the lessons that they teach.<br />
I have also attended a Sales Course, and your one-day Property Workshop, and<br />
am currently doing your Mentoring Course.<br />
My discovery of self-education has lead to setting aside Study/Reading time each<br />
day as well as time to visualize goals. This is time for myself! During this time my<br />
cell phone is off. My associates now also realise that my phone is off early in the<br />
morning! As I now work from home and don’t have to "Go to work", I have the joy<br />
of being on my own rather than dependant on a company. Often it’s scary, but at<br />
the same time I’m in charge.<br />
Through the lessons of self-education I have come to realise that I can’t change<br />
the world but I can change myself. A simple example is the following: <strong>The</strong> gym<br />
has music in every corner that you can’t get away from. I prefer to have my<br />
thoughts to myself and so I tried asking the gym lower the volume, which they<br />
did. Well of course next time the volume was back again. Suddenly a brainwave!<br />
Earplugs solved the problem. I changed, and am better off for it. Stupid, how<br />
simple solutions can be!<br />
As a result of the self-education, I have learnt about relying on my intuition. This<br />
was something I never did before. Now I find that answers to me come during the<br />
night.<br />
As a success story I haven’t made the big financial one yet. But I have<br />
discovered more importantly that the answer is within me. <strong>The</strong> Big one will come.<br />
Regards<br />
Gerrard Boulle<br />
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Thursday, September 22, 2005 Gerrard Boulle<br />
Hi Hannes, quite a privilege to share with you my story. It started when I lost my<br />
parents both in the same year and the mother of my first child. I was deeply<br />
affected by what was happening around me and tended to withdraw from society.<br />
Everybody I knew heard about the divorce and I was 27 at the time and that is<br />
too early to be messing up by my standard.<br />
I had a lot of choices to make and decisions to take that will affect the rest of my<br />
life and how it turned out. I did not accept any sympathy from anyone. I started<br />
investing in books on personal development like Rich Dad Poor Dad, <strong>The</strong> 7<br />
Habits of highly Effective People to mention a few. <strong>The</strong>y all pointed to my attitude<br />
and belief system, that I had to look at life from another perspective. Kiyosaki<br />
taught me the strategies of wealth and Covey the keys to effectiveness.<br />
Before then, I had bought a property in the Western Cape, where I work, for R70<br />
000 from a lady I now know was a motivated seller. It was a sectional title flat and<br />
the lady had to leave to get to Joburg, where a new job waited for her. After the<br />
divorce I nearly became a motivated seller myself, trying to sell it for R100<br />
000.Luckily the buyer could not raise enough money. By that time I had not met<br />
you and probably never would due to the kind of associations I had in the form of<br />
friends and relatives and the kinds of things we would do more often.<br />
<strong>The</strong> problem was that during the attempt to sell the property, the buyer took<br />
occupation of the flat and paid me occupational rent. He actually had his tenant<br />
live in the flat and I couldn’t care less as long as I got the rent. When the deal did<br />
not go through, I had one big problem. <strong>The</strong> tenant started giving my agent<br />
problems with payment and I made a big mistake. I met with the tenant<br />
personally and he told me his sad stories and how the agents were making his<br />
life difficult and I fell for it. I fired the agent and agreed with him to collect the rent<br />
myself through my account.<br />
To cut a long story short, he gave me serious problems, so big that I had to<br />
threaten him with legal action and change the locks while he was out. Finally, he<br />
got the message and left. At that time I felt like just giving up and selling. This<br />
was in 2004.In December of the same year I got a tenant who was also my friend<br />
renting the place for six months. When he left I decided to sell the property for<br />
R220 000 since I had bought another one in which I now live.<br />
I then used the money to pay off my bad debts and also finally decided to commit<br />
to doing your workshop. This totally changed my life. As we speak I know what I<br />
will never do that I was so happy to do in the past. I also know and cherish the<br />
value of life, thanks to you Hannes. <strong>The</strong> financial strategies you teach are out of<br />
this world. With that knowledge, I am going to make the best living experience of<br />
my life. I am now on Week 2 of the Mentoring course and have started my new<br />
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usiness through your guidance. You are a very unique individual and I thank<br />
you from the bottom of my heart. Keep doing what you are doing. A Matsapola<br />
Thursday, September 22, 2005 Daniel Matsapola<br />
Walk by faith:<br />
In 1996 Paul and I got married after knowing each other for only 18 days. We<br />
were on a challenging trip through Africa on our way to Zaire, and tied the knot in<br />
Tanzania. Little did I know that a greater adventure that a trip though Africa was<br />
awaiting us! Soon after our marriage we moved into Hillbrow where Paul worked<br />
as a missionary. What as shock it was for me to move from lovely Stellenbosch<br />
into Hillbrow where violence and fear ruled every waking hour! Having lost all our<br />
money on our African trip due to unforeseen mishaps, and with little financial<br />
income as missionaries, it made the Hillbrow experience even more challenging.<br />
After a year we move to Stellenboch in an effort to regain my sense of sanity. In<br />
Stellenbosch things did not go much better, as neither Paul nor I could find a fulltime<br />
job for a little more than a year. We did piece work and exercised all options<br />
to legally and honestly make a living. We could barely survive, and had to sell off<br />
all the little possessions, such as clothes and furniture, we still had left.<br />
By May 1999 Paul and I returned to Gauteng with everything we owned fitting<br />
into our Opel Kadette. I received a contract for work at De Beers, and Paul<br />
returned to mission work in Hillbrow. After this long financial drought and<br />
difficulty, we were able to gather and save finances from our work, and bought a<br />
piece of ground in Pringle Bay for R70k. <strong>The</strong> land is now valued above R600k! In<br />
2000 we bought a flat for ourselves to live in, and in the following year we bought<br />
two townhouses. Around that time we came across Hannes Dreyer, and started<br />
to learn the fundamentals of what we were doing. Unknowingly we were put on a<br />
path to wealth creation, and today we have sixteen properties with an income to<br />
enable Paul and myself to be financially free upon retirement. We are now<br />
working towards an early retirement, and apply the principles that we have learnt<br />
from Hannes, mixed with faith.<br />
During these last years we learnt that the way we think is the one thing that<br />
needs to be constantly challenged. One’s attitude is a choice, and we need not<br />
limit ourselves with negative thought patterns. We had to learn to take<br />
responsibility for our situation that we were in, and we had to apply faith and use<br />
even the most basic of resources to start the change in our circumstances.<br />
I can ascribe three main reasons for the remarkable change that took place:<br />
Firstly, it is the grace of God working in our lives; secondly, we were willing (and<br />
desperate) enough to invest in our own learning in order to improve our situation;<br />
and thirdly, we were fortunate to meet Hannes as a mentor.<br />
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I believe the adventure is not yet finished, and am confident be able to tell<br />
another story or two in time to come!<br />
Blessings!<br />
Susan Nel<br />
Wednesday, September 21, 2005 Susan Nel<br />
To succeed it is necessary to accept the world as it is and to rise<br />
above it<br />
Michael Korda.<br />
Beste Hannes<br />
Voor ek my gedagtes op papier vaslê, wil ek jou en jou span bedank vir al die<br />
informasie wat so getrou deurkom na my. Ja, beslis het julle `n verandering in my<br />
lewe gebring. Ek gaan van hierdie ervarings met jou deel, as deel van my<br />
suksesse wat ek op sekere terreine behaal het.<br />
Sukses kan natuurlik op baie terreine van ons persoonlike lewe gemeet word<br />
asook dié in die korporatiewe veld.( materiele dinge)<br />
Steven Covey skryf "Success is the ability to adapt in a rapid changing world"<br />
Ek het in Januarie 2005 `n advertensie in die Burger van jou gelees oor die<br />
"Mentor " program. Op daardie staduim was ek soekend na al die moontlikhede<br />
van eiendomsbeleggings. ( het die boek "Rich Dad Poor Dad" afgestof en was<br />
besig om dit te bestudeer). My kennis was egter baie beperk op die gebied, en<br />
het ek geweet dat ek tyd en geld in myself moes belê om my op hoogte te bring<br />
van hoe om suksesvol die eiendomsmark te betree.<br />
Ek het ingeteken op jou " Mentor " kusus en spoedig het ek uitgevind waar daar<br />
tekortkomings in my benadering tot die sakewêreld was.( ek werk al 22 jaar vir<br />
myself). Gaande weg soos ek weekliks jou lesse ontvang het, het ek meer en<br />
meer gegroei en besef dat daar sekere aanpassings in my optrede en denke<br />
moes kom.<br />
1. Eerstens moes ek met myself die saak uitmaak waar ek staan t.o.v my<br />
verhouding met Marieta(my eggenote)en familie( Thinus 20jaar en Vivienne<br />
18jaar). Deur die lesse uit jou Mentor kursus kon ek dit doen en het ons<br />
verhouding met mekaar sommer 100% verbeter. Dankie dat jy my kon lei deur<br />
die self ondersoek. Persoonlik was dit vir my `n groot oorwinning en `n groot<br />
sukses verhaal.<br />
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2. Tweedens het ek die les oor doelwitstellings my eie gemaak en kan ek met<br />
trots berig dat ek nou byna daagliks daarna kyk en bepaal hoe haalbaar dit is. Ek<br />
skaaf nog baie daaraan maar is meer doelgerig. Wat die sukses egter was, was<br />
dat my kontant vloei sodanig verbeter het, dat ek beplan om in die eerste<br />
kwartaal van 2006 betrokke te raak in die eiendomsmark. Met die kennis en<br />
mentorskap van jou en jou span sal dit moontlik wees. Ek het ook jou "Property<br />
school" werkswinkel in die Kaap bygewoon. Die CD was en is `n totale wennner.<br />
Dit het my gehelp om nie sommer blindelings in transaksies betrokke te raak nie<br />
maar die potensiele groei goed te bestudeer.<br />
Ek wil afsluit deur die volgende met jou te deel. My grootste sukses (as gevolg<br />
van jou Mentor kursus) was toe Thinus, my seun, in `n brief my bedank het dat<br />
ek ook vir hom `n mentor is.<br />
Dankie vir jou harde werk<br />
Groete Martin<br />
Wednesday, September 21, 2005 Martin Jansen Van Rensburg<br />
<strong>The</strong> impact of Hannes Dreyer on the lives of Marius and Leon Steenkamp.<br />
Both our wives in the same time frame bought us Robert Kiyosaki’s book "Rich<br />
Dad Poor Dad". We both read the book and after discussion decided that we<br />
need to further our knowledge by going on a local course to get the South African<br />
perspective on the property market.<br />
We were very lucky that with our first try we went to one of Hannes’s 1 hour<br />
introduction courses. His enthusiasm and knowledge so impressed us that we<br />
immediately booked ourselves for his full one day course (We also convinced my<br />
brother in law to join us on the course). This proofed to be a life changing<br />
experience. <strong>The</strong> one thing we took out of this was to start with the first law, being<br />
investing in yourself.<br />
We travel to and from work together on a daily basis. This means we are on the<br />
road for two hours a day. We started to use this time to read self enrichment<br />
books. Leon drives and I read and with this we turned dead time into some of the<br />
most productive hours of our day.<br />
We also use this time for positive talk and through this we have decided to sell<br />
our cars and buy cars that we can afford for cash. <strong>The</strong> money that we’ve spent<br />
previously on cars we are now saving in our business account. This money is<br />
used to further apply the first rule (first invest in yourself), by booking ourselves<br />
on courses (financial management, time management, Hannes’s advanced and<br />
trust course) and also subscribing to things like Hannes’s<br />
www.propertyinvestments.co.za website.<br />
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We also subscribed to Hannes’s mentor program and use our time in the car to<br />
keep up to date with the program. This program also keeps us on a motivational<br />
high. We are now at the point where we are going to open a business trust to buy<br />
our first house using Hannes’s www.propertyinvestments.co.za website.<br />
I am a share holder in a computer programming company called MNR Solutions<br />
(Pty) Ltd. (www.mnr.co.za) Both Leon and I works full time for this company at<br />
the moment and we can already see the benefits that the mentor program has on<br />
our company. Any good ideas that we identify with the mentor program we try<br />
and implement in the company with surprising results.<br />
<strong>The</strong> one thing we have committed ourselves to is to try and attend all Hannes’s<br />
workshops. <strong>The</strong>se workshops we see as the best motivational courses that we<br />
have ever attended and it keeps us on the narrow path.<br />
Wednesday, September 21, 2005 Leon Steenkamp<br />
Hello Hannes<br />
Na vandag se les voel ek eindelik baie skuldig dat ek nog nie dankie gesê het vir<br />
die wonderlike voorreg om iemand soos jy te kon ontmoet het nie.<br />
Vir die wysheid en insig wat jy so onbeperk, met almal wat wil leer, deel.<br />
Jou “beskeie” voorkoms laat mens definitief tuis voel en die tyd wat jy afstaan<br />
aan ander mense se welstand is ongepaard.<br />
Ek het al klaar fantastiese finansieële voordeel uit die kennis wat ek a.g.v jou<br />
opgedoen het, bewerk.<br />
Ek het voor ons ontmoeting al reeds twee huur eiendome besit, hulle sou eers na<br />
vier jaar "cash flow positive" gewees het. Met die nuwe toegepaste kennis sal<br />
hulle oor twee maande positief wees.<br />
Selfs op n persoonlike vlak, in my huwelik en my werk het ek gegroei en sal ek<br />
nog vir lank groei. Net omdat ek nou vir myself die regte vrae vra, en die dinge<br />
wat nie opbouend is nie, raak sien en uitwerk.<br />
BAIE BAIE DANKIE<br />
That letter was written three months ago. Today I can honestly say that I have<br />
grown substantially since then, because of what I have learned and more<br />
importantly of what I have applied.<br />
- Personal level<br />
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I am a lot less stressed and frustrated (can’t remember the last time I had a<br />
headache) I have lost some weight (7kg) and generally feel more alive. I think it<br />
is because I gave my live meaning, a goal, there is a light burning in the tunnel<br />
and I like what I see!<br />
- My Marriage<br />
<strong>The</strong>re was never any bad times but it seem as if we have fallen in love all over<br />
again, almost like teenagers. What an amazing feeling!<br />
- My son<br />
He turned 7 in August and I am very proud of him. I make a point of it to spend<br />
quality time with him every day. <strong>The</strong> fruit that it bears is very rewarding, to such<br />
an extend, that I am unable to describe it, but I am sure that ever parent that love<br />
there child this way, knows.<br />
- My work<br />
Because of the fact that I made the decision, that I will make an effort to be proactive,<br />
I started to enjoy my work again. I greet all the operators in the factory by<br />
hand every day and work with a smile; this is making an impression on every one<br />
and makes the place more bearable to work in. I have even started to whistle<br />
again.<br />
- Passive income<br />
Like I said in my first letter, I am now cash flow positive on my current properties.<br />
I have educated myself to do better every time and have started looking for that<br />
motivated seller to provide me with my next property.<br />
I have started a business or rather other sources of income.<br />
<strong>The</strong> web site name was registered today www.tmark.co.za and will be up and<br />
running hopefully by the end of October.<br />
I am one of Hannes’s affiliates that bought the right to distribute the BOSS<br />
program.<br />
It entails the Boss program and a description on how the agent, or who ever<br />
wants to use it, can go about to do so.<br />
<strong>The</strong> manufacturing of CD Business cards is also added to the opportunity. In my<br />
negotiations with the biggest manufacturer of Discs in South Africa, I have<br />
managed to negotiate a commission on all the products that is manufactured<br />
because of the advertisement, through links that is tracked all the way to the<br />
placement of an order.<br />
To take my brainstorm a step further I have also given the user the option to<br />
place their own information on a CD business card or normal disc if they feel that<br />
the option of the Boss program does not fit their purpose. This however requires<br />
some design and special skills, so the web designers were approached with an<br />
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offer that made sense to them and me. Off course a commission structure and a<br />
serious discount on my site development was generated.<br />
<strong>The</strong> opportunity’s and possibilities seems to be endless once you start with an<br />
idée and have the will power to drive it. Let’s see where this can take us.<br />
Thank you, Hannes. Without your mentoring none of this would have been<br />
achieved.<br />
TERTIUS GOUWS<br />
Tuesday, September 20, 2005 Tertius Gouws<br />
Dear Hannes,<br />
Let me use the opportunity to thank you and your great team for this incredible<br />
project. <strong>The</strong> value I got from attending your Property Pro lessons has already<br />
paid back within a couple of months when I bought my second property.<br />
Currently from reading and thinking through this course so far the same effect. I<br />
agree, invest in yourself first. It is all about your thinking. I will probably if all goes<br />
as planned have an internet based business up a running by mid Oct `05.<br />
And you know what the most brilliant thing about it is? It is a RISK Free<br />
business!!! Thank you again for making me ponder about how to manage it.<br />
Doesn’t it feel great to know that whatever happens or does not happens, nothing<br />
can be lost, but only gained and whatever I learn from this venture helps me to<br />
put to use with the next one.<br />
I have made a conscious decision to become an entrepreneur, with a dream, a<br />
team and a theme!<br />
Thanks again,<br />
William Grimes<br />
Tuesday, September 20, 2005 William Grimes<br />
Scenario planning<br />
Successful businesses all do scenario planning to ensure their future and so<br />
should you.<br />
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During the early 90s with all the changes in South Africa I decided to take stock<br />
of our financial situation and created a basic financial plan for our family. Back<br />
then the goals (which we called dreams) were small and simple. Since the first<br />
dream to be truly debt free to dreams of a passive income and our current dream<br />
of financial freedom we have been working our plan for more than 10 years now.<br />
But then at the beginning of 2005 disaster struck as I was dismissed by my<br />
employer. [You can read more about my dismissal case at:<br />
http://www.finance24.com/articles/companies/display_article.asp?ArticleID=1518-<br />
24_1757735]<br />
During that past 9 months I learned that getting dismissed puts you in a very<br />
awkward position. Banks get very nervous about you when you cannot produce a<br />
salary slip and funding to start a business will be very difficult to come by. <strong>The</strong><br />
story about my dismissal quickly spread throughout the industry in which I<br />
worked (Information Technology) severely limiting employment opportunities.<br />
Despite the fact that I had received various exceeded performance ratings during<br />
my professional career I was left stranded and our household lost 66% of its<br />
salary income.<br />
Could we survive on 33% of our salary income and even more important could<br />
we survive this trauma physically, emotionally and spiritually. We planned for<br />
early retirement but our plans over the past 10 years never considered the<br />
possibility of the situation we were facing. After all, I was a hard working, very<br />
loyal employee that was at the top of my section and as with most every facet of<br />
my life I was in control, or so I believed. More information on how we survived<br />
financially is available at<br />
http://www.hannesdreyer.co.za/MemberLanding.asp?MemberId=540<br />
I met Hannes in 2002 and have found Hannes’ teachings and mentoring of<br />
immense value. Armed with knowledge built up over the past 4 years I knew<br />
what I had to do and this was NOT to look for another job. In partnership with<br />
Hannes I started a rental management system company based upon the system<br />
that I have developed for my own properties. I could turn my knowledge of rental<br />
management into a profit making business within two weeks from “opening the<br />
doors”. <strong>The</strong> business can be found at http://www.privatelessor.co.za. Read more<br />
about how we started this business with no money in Week 22 of Hannes<br />
Dreyer’s Mentoring course at<br />
http://www.hannesdreyer.co.za/MemberLanding.asp?MemberId=540.<br />
My greatest challenge during this time was not financially (I collected my dream<br />
car in the same month I got fired) although this might be a big enough challenge<br />
for many people. Take a look at the impact on your budget if you were to loose<br />
your job and not receive a salary income for 6 months. Can you survive? <strong>The</strong><br />
emotional side was most challenging for me. Starting a new business helped me<br />
to focus and it restored my feeling of self-worth.<br />
When disaster strikes you will need all the help and support you can get to get<br />
back on your feet. I learned that it is the responsibility of every person not only to<br />
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plan for things like death and disabilities but also for the day you loose your<br />
job/salary income and remember there is no such thing as job security anymore,<br />
even for top performers. I discovered the value of a supportive wife, family,<br />
friends and many Christians who carried me during this time. This made me<br />
realise how important it is to invest in every aspect of your life. Make an effort to<br />
build and grow the relationships with your family, friends and your community.<br />
Study and prepare yourself all the time to become an entrepreneur while you still<br />
can do it and have the safety net of a job and a stable income. I think there are a<br />
lot you can do and learn (test and try out) before you lose or quit your job. <strong>The</strong><br />
effort you put into these will return many fold.<br />
I have spent time and money with Hannes over the past 3 years but this was my<br />
best investment ever. <strong>The</strong> returns of this investment cannot be measured in<br />
financial terms only as it has touched every facet of my family’s lives. I simply do<br />
not know of any better person to be your entrepreneurial partner and mentor than<br />
Hannes Dreyer.<br />
Gideon Le Roux<br />
Monday, September 19, 2005 Gideon Le Roux<br />
<strong>The</strong> measure of success is not whether you have a tough problem to<br />
deal with, but whether it’s the same problem you had last year<br />
John Foster Dulles.<br />
Dear Hannes<br />
I am 35 years old, very happily married to a wonderful woman. We have three<br />
sons, a three year old, a one year old and a third due within the next six weeks. I<br />
am a partner in three businesses that do a turnover of about R30 million per<br />
annum and employ approximately 70 people. I also own a few properties that I<br />
rent out, and whilst I don’t consider myself very wealthy (yet), I enjoy a<br />
comfortable lifestyle.<br />
From what I have described, it would appear that I lead a fairly successful life by<br />
most people’s standards, but my real success Hannes, is that I have attended<br />
your seminars and I am on your mentoring course. What you have shared with<br />
us and what I am learning has altered my life irrevocably. I have been living in a<br />
comfort zone (a MAJOR comfort zone) and have come to the realization that,<br />
whilst I may be the owner of these businesses, they have actually been<br />
leaderless for a long time. I have definitely been an owner who has been working<br />
IN my business and not ON it!<br />
Thank you for snapping me out of this fantasy and back into reality. Everything<br />
you are teaching us, I am directly and indirectly sharing and teaching to my<br />
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employees and family. I am amazed at the creative talents and energy that a few<br />
of the truths that you share with us, can unleash.(On a recent trip to the coast ,<br />
my wife was sharing a few tips with me on how she would structure various<br />
properties that we looked at, so that we could buy them for free! MY WIFE,<br />
driving around looking at properties… and on holiday nogal!).<br />
Hannes, you not only share the truth, but, as is apparent from many of the<br />
success story letters, you also instill in us the ability and belief that we CAN<br />
achieve our dreams and goals.<br />
I have already begun various projects aimed at empowering some of my<br />
employees. <strong>The</strong> one specific project will generate a positive cash flow from<br />
month one and easily pays for itself within three months. It will, of course,<br />
generate a passive income for myself as well as my employee and create a job<br />
opportunity for at least two other people. <strong>The</strong>re are already plans to employ your<br />
wisdom and to, within the right structure, purchase property to offset some of the<br />
profit and to literally explode the growth of the business.<br />
I have also been amazed at the opportunities that strategic alliances present and<br />
how the strengths of the persons involved can be leveraged and utilized and<br />
have come to realize that the statement that you make on the seminar, that “it is<br />
easy to make money”, is actually very true. <strong>The</strong> difficult part, initially, is to<br />
develop your out-of –the-box thinking!<br />
I am blessed in that I know what my God-given destiny in life is. You however,<br />
have provided the fuel that has propelled me toward that destiny. By “forcing” me<br />
to take responsibility for my life and future, you have initiated “kaizen” within me –<br />
I am not yet where I want to be, but praise God I am not where I was yesterday!<br />
Hannes, the techniques that you are teaching us are not new, but the manner, in<br />
which you share them in the mentoring course, make them very logical, practical<br />
and attainable.<br />
I have found new energy and enthusiasm for my destiny as well as life in general.<br />
I believe it is because I feel more in CONTROL, as you have empowered me to<br />
begin plotting a specific roadmap toward my future, which has certainly become<br />
more clear and defined. <strong>The</strong> bulk of this letter was written in the early hours of<br />
the morning because I too, cherish my precious family time. Also, as a major part<br />
of my day is taken up (at this stage) by my businesses, I have made a conscious<br />
decision to “accept some pain” and to get up at 4:00 AM every day, to spend<br />
much needed time with my Creator and to process and study your material …<br />
okay! Okay! I set my alarm for 4:00 AM, but the actual time that I get up might<br />
vary between 4:00AM and 4:45 AM. I’ll get there. VIVA KAIZEN!! VIVA!<br />
I sat thinking about what you are teaching us, why the information is so powerful<br />
and why you have such a great influence on me, and came to the conclusion that<br />
the credibility for me lies in the example that you set in your life: I see you<br />
honouring your Creator, not only in the time that you spend with Him and in your<br />
financial giving (to Him and to others), but you honour Him in acknowledging that<br />
it is because of His grace and favour, that you have achieved what you have. I<br />
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also believe that your infectious energy and enthusiasm for life, is a wonderful<br />
example of the kind of abundant life that God desires for us to live.<br />
I see too, that you acknowledge your wife and the role that she plays in your<br />
relationship. You may joke about “the boss” in your seminars, but the love and<br />
respect that you have for her is obvious. It is refreshing, because so often, the<br />
financial success that many have achieved has come at the expense of multiple<br />
failed relationships and marriages. It is again a confirmation of what you teach<br />
about your wheel of life and the fact that you need “wealth” and balance in all<br />
areas of your life.(Of course, the fact that you take your wife for romantic<br />
breakfasts at faraway lodges in a helicopter, does set the bar a bit high for us<br />
lesser mortals!).<br />
Thank you Hannes! Thank you for deciding to make the effort to share your<br />
wisdom, knowledge and experience with us. Thank you for deciding 23 years ago<br />
to pursue your destiny. Thank you for helping me to decide that “Volo proinde<br />
Ego sum validus ut perficio meus Deus donatus fatum”.<br />
Regards<br />
Clinton Meyer<br />
Insequor vestry fatum<br />
P.S. I think that there is great scope for doing a South African version of “<strong>The</strong><br />
Matrix”, with Hannes in the role of Morpheus, who instead of offering us a red pill<br />
to awaken us to the reality of the “system” that is controlling us, would say…..<br />
“DO THE BLERRY CALCULATION!!!!!!”<br />
(<strong>The</strong> only thing that puts me off is the mental image of Hannes in tight black<br />
leather and with a shaved head! But, who knows? You get all sorts of weirdoes<br />
that would buy anything on the internet. Hmmm. Perhaps I should do some<br />
market research and send an e-mail to my database.)<br />
Monday, September 19, 2005 Clinton Meyer<br />
Hannes, thank you for teaching me how to fish instead of giving the fish! -<br />
<strong>The</strong>reby not creating dependency but independency. All the time through your<br />
seminars, workshops and mentoring we are asking for the “fish” – the answer we<br />
need now to solve what we think is the problem – hacking at the leaves instead<br />
of the roots – not taking the responsibility. You keep teaching how to fish – how<br />
to do the calculations, how to take responsibility for the risk AND the growth,<br />
investing in yourself and make your own decisions and take responsibility for<br />
them and your life.<br />
What I have discovered is that even with all the tools, tricks, strategies, formulae<br />
etc. for creating riches, without the right psychology/mindset/conditioning/the way<br />
of thinking I can never achieve the lasting true riches and fulfilling life I desire. My<br />
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actions will not be congruent with my deeper values, principles, belief systems.<br />
That is what makes this mentorship so powerful to me. It deals with both the<br />
psychology (the inside) and the practical application (the outside).<br />
I am immensely grateful, privileged and honored to be enrolled in Hannes<br />
Dreyer’s WEALTH CREATION UNIVERSITY.<br />
Friday, September 16, 2005 Andre Sterley<br />
Since commencing the <strong>Wealth</strong> <strong>Creation</strong> course 34 weeks ago I have learnt a lot<br />
and am continuing to learn each week. <strong>The</strong> one and I believe the most important,<br />
thing that I learnt was Law 1: "Invest in yourself before investing in anything<br />
else". This has really triggered me. It made me realize how little I know, in fact<br />
nothing, when it comes to property in general and in property investment. So, at<br />
the age of 70 next birthday, I realized that I still had a lot of investment to do in<br />
myself. I set the ball rolling. First I attended the Property Pro workshop, acquired<br />
and mastered the Property Pro Software and have now also successfully<br />
completed the CEA property agent qualification. I have also joined an Estate<br />
Agency on a part-time business (as I also have other business interests) to build<br />
up some first hand practical experience. As I am also very interested in personal<br />
growth and development and have lots of reading to catch-up with, I have also<br />
acquired a speed reading software program so that I can speed-up the process<br />
of self investment. Already I have progressed from reading 285 words per minute<br />
to 685 words per minute. Slowly, but surely, I am getting there thanks to the<br />
inspiration, guidance and general awakening that I have derived from the <strong>Wealth</strong><br />
<strong>Creation</strong> program.<br />
Ben Groenewald<br />
Thursday, September 15, 2005 Ben Groenewald<br />
Hi Hannes,<br />
Wow - you are truly amazing. Thank you for giving up of yourself to help others.<br />
We met each other briefly on your first property course held here in London. I<br />
was one of the attendees and am I glad I went to that course! I have since then<br />
become a firm believer in your laws and I have been concentrating mostly on<br />
your first law - invest in oneself. I have subsequently purchased your Property<br />
Pro basic course as I wanted to go over what you said again and again. I have<br />
also purchased your advanced course DVD set as I am here in the UK and it also<br />
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allows me to go over what you said until I understand everything. I have just<br />
joined the mentoring course, so I can’t comment on week 3, but I am looking<br />
forward to learning whatever it is you say then.<br />
<strong>The</strong> property pro software has really helped me have power of my emotions<br />
when buying property. I used to believe shares and policies were the way to go,<br />
but the IRR principle and the way it is shown in your software is just fantastic.<br />
Now I can overcome the belief of location, location, location.<br />
I have recently started upgrading my website because of the information your<br />
gave in week 1 about associates. I am busy adding your site, amazon.co.uk and<br />
google.co.uk and will hopefully gain infinite returns on those links. Have a look if<br />
you have the time: www.davidbombal.com<br />
I have also just purchased a property in South Africa with a 98% bond and prime<br />
less1.6% through International Property Solutions even though I am based in the<br />
UK and am self employed. This is a small beginning, but I if it were not for you, I<br />
would not have believed this to be possible! You really opened my mind to the<br />
possibilities. Thank you for telling us that this is possible. I am currently looking<br />
for UK properties as the market looks promising and I want to be counter cyclical<br />
as you mention.<br />
<strong>The</strong> information about trusts is mind blowing. Thank you for going in the depth<br />
you did on both the basic and advanced courses.<br />
In the meantime, I am reading books like one minute millionaire, rich dads guide<br />
to investing, real estate investing etc some of which you recommend in your<br />
course notes.<br />
So I am starting small, I want to make infinite returns and I am investing in myself<br />
etc - just following the laws.<br />
I thank you for giving back for my and others benefit.<br />
Thank you,<br />
David Bombal<br />
Thursday, September 15, 2005 David Bombal<br />
Hannes, ek wil net dankie sê vir jou oortuiging t.o.v. die aankoop van eiendom.<br />
Ek en my man glo in eiendom soos in die bybel. Ons was finansieel gemaklik in<br />
1996 daarna het `n paar besigheids transaksies erg skeef geloop met `n vennoot<br />
en ons was verplig om alles te verkoop selfs ons eiendomme. Maar `n mens<br />
kruip voor jy loop. Ons het weer begin kruip, dit was baie moeilik, die banke wil<br />
net eiendom hê vir sekuriteit, dit was vir ons `n skok om te besef dat ons nooit<br />
ons eiedomme moes verkoop het nie. Wel ek het jou kursus bygewoon en `n<br />
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paar briljante idees gekry hoe om weer in die eiendoms mark te kom. Ons het<br />
weer `n huis gekoop,`n woonstel, `n erf in `n golf estate by die see, en nou is ons<br />
besig om 2 industrieële fabrieke te bou.<br />
Dit het ons alles reg gekry oor die laaste 4 jaar!!.<br />
Nou moet ek ook sê die bank bestuurder is nou baie vriendeliker as voorheen.<br />
A.g.v. die feit dat ons eiendom besit kon die besigheid uitbrei.<br />
Wat lekker was van jou kursus is dat jy weer ons die sekerheid gegee het dat<br />
eiendom `n belegging is. Ligging, ligging & ligging is nie alles, jy kan ook geld<br />
maak met eiendom sonder ligging.<br />
Ons eiendoms portefeulje het met 3877% gegroei in hierdie tyd. Hierdie syfer is<br />
gebasseer op die geld wat uit ons sak gekom het.<br />
Ons het die besigheids perseel gekoop in Februarie 2005 en 3 maande later het<br />
ons `n aanbod gehad van R150 000 meer as wat ons dit voor gekoop het, ons<br />
het dit nie aanvaar nie, ons drome is groter as dit, te danke aan Hannes Dreyer.<br />
Ons volg nou jou mentors kursus, en is besig met ons eerste projek, ons glo as<br />
ons doen wat jy doen ons dieselfde sal kan doen oor 5 jaar al is dit 10 jaar. Ek<br />
wens elke persoon wil jou kursus bywoon - want dit is die beste belegging wat jy<br />
in jouself kan doen.<br />
Tuesday, September 13, 2005 Magda Barnard<br />
Hello Hannes.<br />
<strong>The</strong> value of the building, with the increased rentals and well-managed costs<br />
(despite the fact that we do a lot of maintenance) has increased by a dramatic<br />
50% - and has an infinite IRR, so we. <strong>The</strong> cashflow from the building is also<br />
veryϑare very, very pleasing.<br />
We started 2005 by buying a few houses and then a small block of nine flats and<br />
then decided to consolidate for the year, take stock of where we are, and where<br />
we want to be.<br />
We then focused on helping our two daughters to each buy their own properties.<br />
Our older daughter, who worked in Korea for a year and is now working in<br />
England, had no money in the country and applied for a bond, which was<br />
granted. She bought a property we found for her for R165000, 00, which we have<br />
let for R2250.00, after doing a bit of fixing up. It has great potential for a cottage<br />
and as soon as she can make money available (she should be able to get<br />
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increased access on her bond) we will arrange for the cottage to be completed<br />
which will give her a really great return.<br />
Our younger daughter who has just finished her BCom. and is working in SA, has<br />
bought a house with four flatlets. She is busy adding carports and upgrading the<br />
electricity and we expect this property, with its positive cashflow, will also give<br />
her a fantastic return. She intends to go traveling once she has built up<br />
something to come back to.<br />
It has been great to see our daughters growing into the experience and making<br />
decisions, learning from mistakes and starting to appreciate the joys, and sadly<br />
the challenges of property ownership. Best of all, after one week of dealing with<br />
her tenants my 22 year old daughter said, “Mom, I have a new-found respect for<br />
you!” Music to my ears!!!<br />
Property has given us amazing security and we are thrilled, that alongside<br />
everything else they are doing, our daughters have the opportunity to start<br />
investing in property at this early age. How many of us haven’t said “I wish I knew<br />
that when I was younger.”<br />
As much as we did know, what we learnt from you has been amazing, and our<br />
daughters can benefit from all of that!! Thank You!!<br />
Over and above all that we are truly focused on creating the life we believe we<br />
were meant to have – happy and fulfilled, and it is a truly uplifting thought to<br />
know that you can be happy, no matter what curveballs life may choose to throw.<br />
Jimmy and Lynne Oosthuizen<br />
Tuesday, September 13, 2005 Lynne Oosthuizen<br />
<strong>The</strong> elevator to success is out of order. You will have to use the<br />
stairs…. One step at a time.<br />
Joe Girard.<br />
Liewe Hannes,<br />
Ons suksesverhaal begin by ons huwelik. Ons is nou 12½ jaar getroud en steeds<br />
gelukkig. Ons reken die rede hiervoor is dat ons nie net verlief op mekaar geraak<br />
het nie, maar eers baie goeie vriende was. Ons werk met alles as ‘n span saam<br />
en geniet dieselfde dinge, doen dieselfde sport en het dieselfde belangstellings.<br />
Ons stem selfs saam oor albei se skoonfamilie!<br />
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Verder het die Here ons gesëen met twee pragtige en uitermatige slim seuntjies<br />
wat ons lewens verryk. Die res wat volg word eintlik vir hulle gedoen.<br />
Robert Kyosaki se “Rich Dad Poor Dad” het in ons skote geval einde van Mei<br />
2004 en dit het ons lewens en denkwyse heeltemal verander. Ons het ‘n paar<br />
van sy ander boeke ook gekoop en gelees en ook Dolf de Roos se “Real Estate<br />
Riches”. Terwyl ons vir almal wat leef en beef vertel het van ons nuwe<br />
ontdekking (dat ons op pad was om arm oud te word), het vriende ons vertel van<br />
jou “Property Pro” kursus. Dié het ons op 24 Augustus 2004 bygewoon en aan<br />
jou lippe gehang.<br />
Ons het nie dadelik mal gegaan en eiendomme begin koop nie. Ons wou eers<br />
leer hoe dit werk en het allerhande “experts” se breine getap oor presies hoe<br />
mens te werk moet gaan. Ons het ons eerste eiendom in September 2004<br />
gekoop en het tot dusver gevorder tot by 7 woonstelle, wat elkeen teen ‘n kontant<br />
surplus verhuur word. Met die koop van hierdie 7 woonstelle het ons egter baie<br />
geleer van wat alles verkeerd kan gaan met ‘n transaksie. Ons bestuur op hierdie<br />
stadium self die verhurings om sodoende so veel as moontlik te leer hoe dit<br />
werk. Emmarentia sorg ook dat sy op elke beheerraad verkies word vir dieselfde<br />
rede en ook om ons belange te beskerm.<br />
Ons ander suksesverhaal het 9 jaar gelede begin toe Emmarentia besluit het om<br />
haar eie besigheid te begin. Sy is ‘n rekenmeester en doen kliënte se boeke,<br />
belasting, finansiële bestuur, finansiële state en alles van A-Z. Jou mentor kursus<br />
gee haar baie selfvertroue en die sukses wat deesdae by haar oë uitstraal<br />
veroorsaak dat kliënte instroom.<br />
Huidiglik is ons besig met navorsing oor ‘n idee vir ‘n besigheid wat gelyktydig ‘n<br />
aansienlike behoefte in die mark sal bevredig en die groei wat in eiendom<br />
beskikbaar is, sal kombineer. Wat hiervan vir ons ‘n mini-suksesverhaal maak, is<br />
die feit dat ons reeds beleggers het wat die onderneming wil finansier.<br />
Groete<br />
Gawie en Emmarentia Vermeulen<br />
Tuesday, September 13, 2005 Gawie Vermeulen<br />
I am not too sure whether this can be classed as `success` or just a wake up call<br />
and a change in life.<br />
I came over to London about 15 years ago. I got stuck into the London lifestyle,<br />
where it is easy to just exist happily, have loads of friends, but not going<br />
anywhere at all fast (or slow for that matter). <strong>For</strong> years I know that I have needed<br />
to do something with my life. I am not getting any younger.<br />
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My father, who I absolutely idolise, spent his whole life, like his father, working for<br />
a major SA bank. He got retired 15 years early due to affirmative action and what<br />
he thought would be an adequate pension, now doesn’t quite match up. My mom<br />
still works at a church, so there won’t be much of a pension coming from there in<br />
the next year or two.<br />
So now I am paying them a `salary` every month to subsidize there pension and<br />
income. This has kick started me into organising my life, to make something of it,<br />
for me later to be able to retire. I have now joined the mentoring program and am<br />
looking forward to changing my life for the better, in a more positive way.<br />
You look out for more stories from me, as I move forward with this life change<br />
Monday, September 12, 2005 Malcolm Cruickshank<br />
Dear Hannes,<br />
Success they say is a journey and not a destination.<br />
I am still on the journey but boy it sure is taking its time.<br />
Your recent e-mail reminded me how to appreciate the small victories and look<br />
upon myself as a success.<br />
A positive mental attitude and outlook on life as you say is the starting point with<br />
which I fully agree with, but it is tough some times.<br />
Financial and time freedom is what I long for and have not achieved in the past 8<br />
years.<br />
Lack of focus, fear of losing money, guilt, jumping from the next hot business<br />
opportunity to the next and a lack of a mentor has been some of the major<br />
reasons why I am not yet where I want to be.<br />
With you guidance and the growth and self development of business intelligence<br />
on my end I believe that I will achieve the goals and dreams I envision for myself<br />
and my family.<br />
I am a physiotherapist by trade and have lived and worked the past 11 years in<br />
the USA.<br />
Opportunity is everywhere, however I cannot say that I have been able to<br />
capitalize on it the way I should have.<br />
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<strong>The</strong> success that I have been able to achieve and that I feel proud of has been<br />
on the internet and in real estate.<br />
Three years ago I bought a four bedroom two bath house for $69,000.<br />
I put $6000 in repairs into the house and leased it out with an option to purchase<br />
on a 24 month contract to a young couple.<br />
<strong>The</strong>y gave me $4500 option consideration for the purchase of the home and their<br />
rent was set at $750 per month with my payments being $650 per month.<br />
I had a $100 per month positive cashflow.<br />
<strong>The</strong> option price was set at $92,000.<br />
After 16 months the couple broke the contract, forfeited their option money and<br />
had to vacate the house.<br />
I gave them $1500 back as an incentive to leave the house immediately and<br />
avoid the need to evict them and face possible damage to the property.<br />
To my fortune the real estate market took off in the past two years and within 45<br />
days I sold the house for $122,500 for a $50,000 profit.<br />
My second success is internet related.<br />
I spent money investing in myself and taught myself the basics how to set up a<br />
mini-site that caters to a specific niche.<br />
Since I got this site up 4 months ago I am averaging $300 per month positive<br />
cashflow.<br />
<strong>The</strong> internet is incredible if you know how to market your self.<br />
My goal is to obtain a $3000 passive income from the internet that is fully<br />
automated with other niche sites.<br />
Everyone has a product in them with specialized knowledge others will gladly pay<br />
you for.<br />
<strong>The</strong> challenge is how to get that knowledge in front of enough people to make<br />
positive cashflow.<br />
Using my background and skills as a physiotherapist I captured a niche and<br />
market online that is hungry for information and I gave them the information they<br />
were looking for.<br />
I saw a need and filled it.<br />
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Selling information is an incredible business - low start up cost, ability to test and<br />
see if the business will take off without much risk.<br />
My two challenges remain my ability to manage my time and manage people to<br />
use their talents in a profitable manner without trying to do it all myself.<br />
I look forward in attending your property seminar next year when my family and I<br />
return to South Africa for good.<br />
I hope this message will benefit and inspire others as their success stories have<br />
inspired me.<br />
Thank you for what you are doing.<br />
Baie groete en dankie vir alles wat jy doen.<br />
Gerhard Cronje<br />
Saturday, September 10, 2005 Gerhard Cronje<br />
Well where do I start.<br />
My first and most important success story is the change I have experienced in<br />
myself by attending Hannes courses. I have always been a methodical planner<br />
and not very good at getting down and doing what I have planned.<br />
Since I have met Hannes and attended his course I have changed that side of<br />
myself. I now spend more time on the getting down and doing what needs to be<br />
done like taking calculated risks and less time planning. This way I force myself<br />
to carry through with my goals and objectives by actually carrying through with<br />
my plans.<br />
I also look at every part of my life in a new light. If I don’t like something then I set<br />
plans to start changing them and the things I would like to do are becoming part<br />
of my life and not just goals on my list.<br />
As an example this year I took my Wife and our three children to Italy for a month<br />
holiday in June / July. I achieved another of my goals by purchasing my bike<br />
which is a BMW GS 1200 which is long overdue. <strong>The</strong> financing I used to achieve<br />
these goals came from my property investments.<br />
Thank you for the inspiration and the way you share your quality of life concept. I<br />
think this is one of the most important you have and live by and it is making me<br />
enjoy life more and more every day.<br />
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Cliff Kayat<br />
Thursday, September 29, 2005 Cliff Kayat<br />
This is not a big ‘wow’ success story, but one of an average person, now on the<br />
way to greater things, thanks to your sound mentoring and advice.<br />
I grew up in a family of academics and was brainwashed, like many others, to<br />
‘study hard, get a degree and get a good job’, and to believe that wealthy people<br />
are greedy and must have suspect morals to succeed. I subsequently graduated<br />
with a degree in civil engineering, and began working for my bursar company,<br />
excited of the prospects of a successful life ahead. After several years of hard<br />
work, I realized with a shock that the path I was on was going nowhere. <strong>The</strong><br />
industry I was in is a cut-throat, highly competitive one, with generally very low<br />
profit-margins, but even in a better paying job or career, the financial freedom I<br />
sought was going to remain a pipe-dream unless something changed. I started<br />
reading extensively on investments and share-trading but was not convinced that<br />
the often high risks in these areas were worth it.<br />
<strong>The</strong>n I got married and spent two dreadfully unhappy years in an abusive<br />
relationship (another shock to my sheltered upbringing!). In that time my personal<br />
growth and investment research become vague and distant dreams in the<br />
struggle just to cope emotionally. However, it was a period of enormous spiritual<br />
growth – it is only when we are tested to our utmost that our character can be<br />
molded and strengthened, and that we can come to learn and appreciate our<br />
reliance on our Creator. I finally realized I could not carry on and some people<br />
simply do not change, and filed for divorce. <strong>The</strong> overwhelming relief I felt,<br />
together with a revived enthusiasm for life, led me to pick up where I left off with<br />
my research and learning.<br />
I enrolled for a short diploma course at Unisa in Financial Management, which<br />
was enormously helpful. I also purchased a townhouse in which to live – at a<br />
good price since the owner had been transferred and I happened to speak to an<br />
estate agent moments after he learned of the property. However, still at the back<br />
of my mind was the thought – there must be something else, another way… I met<br />
one of the men staying in my complex, who generously helped me to move, and<br />
discovered we had studied engineering at the same time at Pretoria University<br />
(just different disciplines). We became friends, and at one of his braais I was<br />
introduced to his uncle, who at 35 has several rental properties fully paid for. We<br />
got talking and a seed was planted in my mind. <strong>The</strong> problem was though, that he<br />
has a very high-paying job, and I did not.<br />
Shortly afterwards, I saw an advertisement for the Hannes Dreyer property<br />
course, and after discovering that my new friend’s uncle had attended the<br />
course, I persuaded my new friend to join me in attending it. What an eye-opener<br />
– and a culmination of all the seeds planted throughout my journey thus far. I<br />
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knew now what I wanted – to be financially free and have my own property<br />
portfolio. Best of all, I knew now too, how to achieve it. Spiritually, I had come to<br />
realize too, that we are not placed here for our own amusement, but for a<br />
purpose, and that God could use me and the finances I have and generate for<br />
His use. I purchased a further townhouse, unfortunately not for free, but at a<br />
reasonably high return. Renting it out has been a good learning experience. I<br />
suspect though, that the true value in property is going to be more easily<br />
achieved and manipulated through full-title properties.<br />
I joined the Mentor course when Hannes started it, and have hungrily been going<br />
through his weekly lessons. And of course, sharing my new-found ideas and<br />
enthusiasm with my new friend, who happens now to be my fiancée! God has<br />
been good to me, yet I know the best part still lies ahead…<br />
So thank you, Hannes, for helping me onto and guiding me down a path to a new<br />
mindset, new challenges and, ultimately, to financial freedom!<br />
Friday, September 09, 2005 Pia Beukes<br />
<strong>The</strong> key to my success has been go give up everything for my dream<br />
John Johnson.<br />
Dear Hannes<br />
I did your property course in Bloemfontein last year because I believe in what I<br />
loosely call “collective awareness”. I have experienced on many occasions that<br />
like minded people would start enquiring about an issue or that they would start<br />
asking questions about some specific problem at roughly the same time or stage<br />
in their lives regardless of where they live or what language they speak. It is quite<br />
uncanny and in my experience not limited to our country or culture only. I<br />
responded to this “awareness “and started the property course because I knew I<br />
had to do “something” but had no idea where to start.<br />
I also suffer from INERTIA – I often have good ideas but cannot get started, like<br />
the book on procrastination I thought about two years ago! (Only joking!!). So<br />
imagine my delight when your sms reached me during December last year! <strong>The</strong><br />
sms said that a mentoring course was to be started for people like me who<br />
cannot get going and although I did not start right away, I realized the potential<br />
and what this could mean to me and my quest for knowledge. Even while doing<br />
the property course I realized quickly that there was an opportunity to learn from<br />
someone who has already done what I needed to do (learn from the real<br />
experts).<br />
<strong>The</strong> mentoring course works and will be successful here and overseas because it<br />
comes at the right time, it helps us to overcome the crippling inertia, it gives us<br />
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the tools to do the job for ourselves, it gives expertise and feedback and<br />
encouragement and hope. It does one more very important thing for me - IT<br />
FORCES ME TO MAKE TIME TO REALLY THINK AND THEN TO ACT!<br />
My story is remarkable for me because I was fortunate to find the right source for<br />
the knowledge I needed. I am one of those professional people who are too busy<br />
going to work to make money. Running an optometric practice requires hands on<br />
approach leaving too little time for family; friends and other interests and I wanted<br />
more time.<br />
Currently I have a business building in a trust and my practice pays rent to the<br />
trust. Previously the building was registered in a CC that was sold to the trust a<br />
few years ago and consequently the trust owes me R600 000. I also have a<br />
townhouse that was used as surety with the business building for a credit facility<br />
(R600 000) that was sufficient then but now can be increased to R1 600 000. I<br />
built a new townhouse 3 years ago, paid for it and lived there until 2 months ago.<br />
This property is registered in my name. A bond is being registered on this<br />
property for R1 000 000 (paid R495 000 3 years ago) and market related rent<br />
would be R5250 per month with a very good IRR if I use R750 000 of this facility.<br />
Two months ago I bought a house and paid for it using the money from the trust<br />
and surplus money from my practice (I intend to replace the “practices’ “money<br />
as soon as the bond is in place). By then I will have a tenant to help finance my<br />
current home. <strong>The</strong> nice part about the new house is that it has a two bedroom flat<br />
that I am letting to a friend who in turn is letting her house with an infinite IRR and<br />
there is enough space to accommodate my parents should the need arise.<br />
Lastly during last year I bought a flat for R270 000, registered a bond in full<br />
(Property in my name) with an IRR of 700%.<br />
Equity in these properties can provide security for R2 500 000 for a new deal but<br />
I am uncertain how to structure any future venture as I have just started learning<br />
more about Trusts in the Mentoring course. I have four properties in my own<br />
name and would like to find a better solution and get the right structures in place.<br />
Thank you for sharing your hard earned knowledge with me and making this<br />
journey so exciting! I am looking forward to the rest of this course.<br />
Best regards<br />
Andre<br />
Tuesday, September 06, 2005 Andre van der Merwe<br />
After getting divorced 8 years ago(and this was nasty, I played the main role in<br />
an Alfred Hitchcock Thriller movie!), I went to a Reflexologist to get my feet done<br />
for the first time...needles to say that I loved it so much, that I decide I want to be<br />
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one! (After school I worked as a drafts lady for a Land surveying firm, got married<br />
and we settled in Lydenburg where we had a convenience store in the main<br />
street...hard work 7 days a week - with no time for a relationship- no wonder we<br />
got divorced! No balance!) With my mind set on business I enrolled for a course<br />
that taught Beauty & Body therapy, including Reflexology. I finished a 4 year<br />
course in 2 years and got special permission to do this to qualify in South Africa.<br />
To complete my International Diplomas I had to write one exam a year. After my<br />
2 years I have gotten all my South African diplomas and in my line of work, I had<br />
to NOT work for someone to make it in a big way...so I went into sales for 2 years<br />
to complete my International diplomas and some income to live from coming from<br />
sales. <strong>The</strong> plan was to save some money during this 2 year period to open up my<br />
own Health Spa...I made so much money with sales that I "forgot" my initial<br />
idea...until I had an accident. I could not work for 2 months and this motivated me<br />
even more to work for myself than working for a boss. Being sort of out of action,<br />
my mind went back to the idea of opening my own spa, I investigated and fell in<br />
love with a place in Hazyview...I negotiated myself into a deal where I only had<br />
one month to prove viability, and not being of sane mind (like all normal people) I<br />
handed in my resignation to my boss with only that one month to prove myself.<br />
Needles to say that I should have gone on unpaid leave...but that is so not me!<br />
That month was a huge success. And we started negotiations. We were going to<br />
sign a 5 year deal, and success was so close I could smell the interior of my new<br />
RAV 4 that I was going to buy myself! Two days before signing the deal, one of<br />
my very good friends phoned me up. He offered me a ride in his new BMW and I<br />
suggested we go to this resort where I was going to make lots of money...we got<br />
there and behold - the place was completely destroyed by the floods! How is that<br />
for luck!? Very sad, depressed and unmotivated I had to go back to the city to<br />
start up the same venture, but in a different setting...until 2000 I could only<br />
"maintain" myself. During this time I am forever reading up on investing, making<br />
money etc. I mixed with the right people, trying to pick up tips on the subject.<br />
Every body tells you WHAT to do, but never HOW....and I came to the conclusion<br />
that it takes money to make money and left it at that. I had another accident, and<br />
this time it was very serious- I had to give up everything I have build up until that<br />
time, and move in with my parents at the age of 27! How embarrassing...but like<br />
everything in life, this also happened for a reason - I met my husband, and we<br />
got married in December 2004. We were definitely meant to be together- we are<br />
playmates, soulmates, and any kind of mates you can think of... Since meeting<br />
my husband and attending your course, my luck is changing...has it got anything<br />
to do with luck? No I don’t think so! I always say: IF YOU KNOW BETTER - YOU<br />
CAN DO BETTER! Always the "investor" I always new I had to get property on<br />
my name...and in July 2004 I bought my first property. I followed the trend - buy<br />
into these developments where you save on transfer duty in the right area...haha-ha.<br />
My bond re-payment is roughly R4300 per month of which the rent I get is<br />
R2600 (of which R700 pays levies) so I still signed up for this deal and paying<br />
"in" R2400 per month. My husband and I were on the verge of doing the same<br />
thing with another complex. After attending your course, we discovered the<br />
mistake of my property, and we stopped the deal with the complex - we did the<br />
math! We would have ended up paying almost R4000 per month out of pockets<br />
...you are a live saver! I had a good feel for the property market and am now<br />
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doing math on every potential property....I will never make a mistake with<br />
property again! Since then, I have made several offers on property with<br />
judgments, and know exactly when to do what...no luck yet. But it will come. I<br />
have attended some Auctions and are on my way tonight to make a guy an offer<br />
before the auction 3 days from now...I did all the math and homework on the<br />
property, and even if he does not take the deal I have on offer, I will attend the<br />
auction...I am so excited...<br />
Monday, September 05, 2005 Petra Coetzee<br />
Hi Hannes<br />
My story begins when I read your email. I was hesitant at first. I thought it was<br />
one of those crooks. But as I continued to read through I slowly began to trust<br />
you. You said I must first invest in myself, my husband and my children. <strong>The</strong>re is<br />
no greater joy to have your family by your side. I never understood when you say<br />
that I must learn to listen to my children. I ask myself, when do you listen to your<br />
children. I realized that if I invest in myself then the knowledge I am acquiring I<br />
should also transfer it to them. <strong>The</strong> decisions I am making about them, I should<br />
involve them. I am a person who has a self low-esteem. I knew that it is because<br />
I am too fat. I am weighing 108.4kg and 33 years old. I was motivated and<br />
decided for the first time in my life to begin by loosing weight. I have joined the<br />
TLC club, to loose by eating healthy. I am not taking short cuts. Every time I think<br />
of quitting I think about the success that is waiting for me on the other side. I am<br />
so positive about my life like never before. I look forward for each day when I am<br />
going to succeed physically (by loosing weight and have a lot of energy),<br />
emotionally (knowing that my family supports me all the way) and materially<br />
(<strong>Wealth</strong>y by your help). Thank God for finding a Mentor like you. Keep up the<br />
good work.<br />
Mpho Gumede<br />
Monday, September 05, 2005 Mpho Gumede<br />
Dear Hannes,<br />
I am 52 years young and as you pointed out on the property-pro workshop I<br />
attended on 30 July 05 time is running out, but despite this I chose to invest in<br />
myself in the form of this workshop and the software package.<br />
My story started before Hannes Dreyer’s intervention, but please read through to<br />
see the influence he had on our lives.<br />
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About three years ago I had the opportunity for a Standard bank home loan<br />
arranged through the company I work for using my pension as collateral. <strong>The</strong><br />
interest rate on the home loans was prime-2% and the company sponsored a<br />
further 1% (Prime - 3%), vs. my rate of prime +1% then. (Note no transfer fees<br />
etc. required as it was against my pension)<br />
I was naturally in doubt as to whether I should take the loan even though I could<br />
see the savings, and colleagues and friends did not help by pointing out the<br />
possibility of losing a portion of my meager pension. After considering the<br />
situation for some time I realised that my pension and my bond were really the<br />
same thing, because if you retire with an outstanding bond a portion of your<br />
pension will need to settle this debt anyway.<br />
I took the loan and settled my home loan, and paid back the loan in 21 months<br />
vs. 4 years outstanding with the 4% lower interest rate.<br />
Suddenly we had surplus which we considered putting into pensions, but<br />
realizing the poor performance decided to take a risk with property.<br />
At the end of 2004 we purchased two properties for under R700k for both, purely<br />
on emotion and spent the next eight months wandering if we had made a<br />
mistake.<br />
My original bond was 60k which we refinanced; I took a new loan against my<br />
pension of 230k for the first property and bonded the second property. Thus a<br />
total of 680k in loans, which is large debt compared to the original 60k.<br />
<strong>The</strong> Property-Pro workshop alleviated my fears as I realised that on both<br />
properties we have an IRR of between 43 and 47 percent, I think we were quite<br />
lucky.<br />
We have since purchased a townhouse of which the bond is approved for 364k.<br />
<strong>The</strong> biggest success for me is that two weeks ago I negotiated interest rates on<br />
all three bonds to prime - 1.4% from prime - 0.2%. Also I have had a further two<br />
bonds approved, signed at the attorneys last week on the property which was not<br />
bonded and our home a further bond, after my applications were turned down<br />
due to qualification on loans vs. income. I took the matter to a regional manager<br />
who approved the bonds on current property (positive gearing). I took control, I<br />
did not take no for an answer, I now have another 600k available to invest at far<br />
better interest rates.<br />
At least two of these additional properties will be paid of in eight years, God<br />
willing, and will procure an income of at least three times the estimated pension<br />
value.<br />
Last week I enrolled for the mentorship programme, hence my story only now<br />
being submitted, and I know that we will benefit much.<br />
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Hannes, thank you for alleviating our fears and god bless you and yours for the<br />
excellent work you are doing.<br />
Monday, September 05, 2005 Alan Boucher<br />
Hannes, Initially I have joined your program to enable me to grow rich. I have<br />
grown rich, not in wealth (yet) but in wisdom. If I consistently apply the wisdom,<br />
wealth will follow. I have not bought new property, but I have done some nice<br />
deals by just by applying the technique of listening and living my values.<br />
I have connected buyer and seller - it cost nothing. I have sold a non-performing<br />
business of a well-known bank to a listed empowerment company. I have also<br />
sold 26.1% of a call centre to an empowerment company. It is not the fee that I<br />
have earned that exited me but the many opportunities that come and go every<br />
day of our lives. In the past, I would have not pursued them.<br />
I have applied some of my values, and they are Success- I set people up for<br />
success. And Chaos- I look for dangerous and chaotic opportunities and exploit<br />
them.<br />
By making these values part of me, I did set people up for success and the two<br />
opportunities was born out of chaos. Your mentoring program has changed my<br />
behavior and the way I have operated. <strong>The</strong>refore, this just a short not to let you<br />
know, I really appreciated the many hours of work that you have put in to make it<br />
possible for many South Africans and maybe someone else in the world to have<br />
fun and start living for the fun of it. This mentoring program not only applies to the<br />
entrepreneur but also for the entrepreneur that have a passion to make a<br />
difference for his employer, and be rewarded handsomely.<br />
P.S. You made me lose 26 KG of fat.<br />
Thursday, September 01, 2005 Henry Simpson<br />
Hannes, I’m very happy and we are celebrating. <strong>The</strong> first property is now<br />
registered in the name of the trust.<br />
This brings me to a new level of satisfaction. Although we obtained other<br />
properties, this is the first in the trust.<br />
I’m glowing<br />
Hermie<br />
Wednesday, August 31, 2005 Hermie Visser<br />
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Success story:<br />
As a child growing up in my parent’s house I always had what I needed and<br />
sometimes even what I wanted (all the luxuries). In retrospect I would say that I<br />
had a perfect childhood. Parents hardly ever fought (in any case not in our<br />
presence), we stayed in the same house from day one, and I went through<br />
school without major hiccups, etc. etc.<br />
All this is very good, but with any scenario there is always another side. I had a<br />
perfect childhood and even today most everything is pretty much going my way<br />
except for the minor hiccup here and there. With all this you tend to live a routine<br />
life and you don’t get into contact much with the rest of the world much.<br />
This changed for me when I visited one of the people listed on the judgment list.<br />
Let’s call him Joe. <strong>The</strong>y are normal people like you and I but live in a different<br />
world to ours. Your world as well as your beliefs gets molded by your<br />
experiences and the influences of other people. Most of the people in “MY” world<br />
does not know the feeling of going to bed hungry, being without a job, sleeping<br />
cold, being judged and discriminated against by others, ….even drugs wasn’t<br />
part of my world.<br />
<strong>The</strong>n I met Joe. His life was I would say average compared to mine and the rest<br />
of my reference framework (my world). He owned a house, had his own car<br />
loving wife and a kid. With the flick of a switch all that he had was in jeopardy. He<br />
lost his job, his car, most everybody he associated with didn’t want to be seen<br />
with him, a judgment was placed on his house….<br />
That day, I looked into the face of a desperate man, a man who had everything<br />
and lost everything. A total stranger whom, in a moment of desperation, adopted<br />
me as his savior.<br />
(I was always afraid that the people will get aggressive with me invading their<br />
financial privacy, never in my wildest thoughts have I anticipated this reaction. A<br />
keen angler in my prior life I once caught a ray. Afraid it might sting met with the<br />
notorious spine at the base of the tail it gave me an electrical shock. Imagine my<br />
surprise. It turned out to be an electric ray.) I sat there, speechless, listening to<br />
Joe’s life’s story. (I must admit, I wasn’t geared emotionally for this experience.) I<br />
really felt sorry for Joe and was touched by his story. <strong>The</strong>n out of the blue I<br />
remembered one of the first things Hannes taught me. Never get emotionally<br />
involved.<br />
By then I new that I wouldn’t be able to help Joe to get out of his predicament.<br />
On paper it looked like a great deal but in reality the SUM did not work.<br />
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From the conversation we had it was evident that Joe was in the dark as to what<br />
is really busy happening to him. To the best of my ability and with the help of my<br />
brother Deon, we explained the process to him. This in itself was a good<br />
experience as we could see that Joe was feeling better knowing what’s going on.<br />
What I took from this experience was:<br />
· Appreciate what you have in life, you don’t know how long you will have it or be<br />
able to appreciate it.<br />
· Expect the unexpected then it will not be a surprise when it happens.<br />
· Look around yourself and be more aware of what is happening in the world<br />
· Respect and strive to understand people in other worlds. You would most<br />
probably have turned out the same way have you been in their shoes.<br />
Wednesday, August 31, 2005 Leonard Lengton<br />
<strong>The</strong> person who goes fastest is generally the one who is willing to do<br />
and dare. <strong>The</strong> sure-thing boat never gets far from shore<br />
Dale Carnegie<br />
Hannes<br />
When I first walked into your course room, it must now be nearly two years ago, I<br />
was very skeptical. To pay so much money for a one day course, at that stage,<br />
really had me in two minds. <strong>The</strong>n twenty minutes into the course I had a major<br />
insight that was worth much more than I had paid for the course.<br />
Obviously you bombarded us with many other major truths for the rest of the day<br />
but this one stood out. You demonstrated how what people say and claim,<br />
mostly, is erroneous assumptions/ conclusions and for the next week everywhere<br />
I went I heard these unfounded assumptions rolling towards me, virtually from<br />
everybody I came in contact with. You can imagine what impact it had on my own<br />
life and how I now view things.<br />
At the time I had just bought two townhouses and to my disgust I had to learn<br />
that that is not what one should have done and that it should in any way have<br />
been for free, which mine obviously was not. I was all pumped up and ready for<br />
purchasing free property. Unfortunately life/reality quickly wiped out the little bit of<br />
enthusiasm that there was. <strong>For</strong>tunately, for me, you persisted and your challenge<br />
came along, again spurring me on.<br />
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Since I bought two pieces of land zoned for high density housing development.<br />
Again I realised that that was not really what I should have done and one gets<br />
that sinking feeling when money is flowing out (as you pay your bond and rates<br />
and taxes) and nothing is coming in.<br />
My other commitments (I am a self employed consultant-- am I not doing all the<br />
things I shouldn’t be doing?) kept me so busy that I just didn’t get round to<br />
looking for free houses, I even joined your Website with listed property without<br />
the results I was hoping for. I was caught between a desire to get involved in<br />
property and one of taking my consultancy endeavors the next step. <strong>The</strong> income<br />
from the consultancy was such that I could not just walk away from it, while I<br />
knew if I did not get involved in property I will regret it going forward.<br />
This is when my one daughter (Marné, she attended your property workshop<br />
recently), un-expectantly, had to face reality as the firm she worked for closed<br />
their doors. I then got the idea that she could look for houses for me and I asked<br />
her to come and work for me. I will cover her immediate money needs (which I<br />
most probably would have had to do in any case, while she looked for another<br />
job). She would help me with my administration and look for property to buy,<br />
learning the business and get involved herself as we go along. Of course, having<br />
some entrepreneurial traits, she jumped at the opportunity.<br />
Three weeks into the arrangement she found our first desperate seller and I<br />
picked up a property for about 25% below market value, with an IRR of over 60%<br />
and it will be cash positive from day one on current rates. I then got my daughter<br />
to put one of the pieces of land I bought in the market for the same price I paid<br />
for the house-- R380 000 (I paid R120 000 for the land in January). To my<br />
surprise it sold the next day. So now we are really fired up, what you have been<br />
telling us is now reality to us. Obviously we are still making mistakes as we go<br />
along but with your guidance we are improving all the time. I want to buy at least<br />
another three free properties this year.<br />
Your challenge notes (Lessons and Practical) I find very informative and have<br />
learnt a great deal from it so far. However the one thing I had a major problem<br />
with is the type of businesses you started. I thought yes of course you can do<br />
that, with your training and experience, but we mere mortals don’t stand a<br />
chance to duplicate it as we just don’t have that sort of exposure/ experience. But<br />
then I started to think what is there that I know stuff about that can be use to start<br />
a business with.<br />
After some time two things came to mind. One is to implement a procedure<br />
writing process into organisations that takes procedures to a total new, workable,<br />
level. I packaged some of the work I did over a long period of time and presented<br />
it to a firm; I had previously done work for. <strong>The</strong>y agreed to us doing a pilot in one<br />
of their plant areas, which I subsequently have done with very good results and<br />
currently I am just polishing the process so that I can train other people to do the<br />
actual work for me.<br />
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<strong>The</strong> second idea was to package a concept on improving safety in organisations<br />
(I had previously experimented with a non-traditional approach, which delivered<br />
very good results) and have today made a presentation to a big company who<br />
are very interested to give it a go and we have agreed to the second step in the<br />
process. Thus I now realised that I can also duplicate what you are doing on the<br />
business side and, I am sure, that is what you wanted us to realise.<br />
Having told the house buying story to some of my friends they all want to be in if<br />
we find a similar deal and don’t want to take it up ourselves. So there definitely is<br />
a market for your idea, which was shelved, and something that my daughter will<br />
pursue to see if see can devise a system that can work.<br />
So maybe she will not be working for me for long but will have me as one of her<br />
clients.<br />
I have set myself a goal to duplicate what you are doing with the challenge just<br />
staggered in time and I am glad to report it is starting to happen.<br />
Best regards<br />
Yours truly<br />
Andy Anderson<br />
Tuesday, August 30, 2005 Andy Anderson<br />
Hannes,<br />
My greatest achievement since joining the mentoring programme is my change in<br />
attitude. I have taken control of my life. I am putting myself first and taking<br />
responsibility for my life.<br />
I have achieved nothing financially but my change in mindset is taking me places<br />
I never thought I could go.<br />
I have gained a lot of weight (body mass and dress sizes!) over the last few<br />
years, and even more over the last few months. I have until now blamed the<br />
negative circumstances in my life for this. Now I KNOW it’s all my “doing”. I would<br />
not “diet” any more because I had tried so many times and not stuck to the<br />
program. I am now working on losing weight, taking one step at a time with the<br />
SOLE INTENTION TO SUCCEED! I have made it through week one without<br />
appetite suppressants simply because of “the power of the mind!!!”<br />
I don’t expect this to be an easy journey but I intend to achieve my objective,<br />
steadily but surely!<br />
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Of course I’ve grown immensely in other areas of my life. PRODUCTIVITY! Now<br />
this struck a cord as a dear friend said it would! He did not push me<br />
(intentionally!) to be productive (Independent Client Introducer – ICI) but left that<br />
in your capable hands! And boy are you making waves in my life! It is 03:30<br />
hours as I write having woken up at 01:00 hours because I felt I was wasting time<br />
sleeping instead of catching up with my mentorship programme reading and<br />
assignments. (I am only in week 5 of the programme).<br />
This submission in itself is a major achievement for me. – It is the first time I have<br />
written anything for “public” consumption, not to mention the fact that the<br />
contents are of such a personal nature!<br />
<strong>The</strong> business ideas are also starting to flow (mentally and practically). <strong>The</strong>re are<br />
opportunities all around us, all we have to do is “wake up and smell the coffee!” I<br />
WILL find “that one (or more!) Idea that will give me the breakthrough I’m looking<br />
for!” Oh, and yes! I am definitely “living my life with passion” and “enjoying the<br />
ride!” I want to be free! I WILL be free!!!<br />
Thanks to you Hannes and the rest of the team and to my dear friend, of course,<br />
for opening up my eyes!<br />
Monday, August 29, 2005 Gugulethu Dlamini<br />
From CA to entrepreneur<br />
Dear Hannes,<br />
I have been brought up in, what I refer to as a typical Afrikaans household. <strong>The</strong><br />
typical phrases of “look after your company and the company will look after you”<br />
and “why be a small fish in a big dam while you could be a big fish in a small<br />
pond” were common educational phrases heard in our household. Christian<br />
principles, respect for older people, children must be seen not heard, please<br />
don’t talk about sex, money and politics – you know what I am referring to.<br />
I decided from a young age that financially I will not settle for the same. My<br />
career decision was easy – I simply asked my teacher which profession makes<br />
the most money and based on his advice, I enrolled to become a Chartered<br />
Accountant (PS – on pure financial principles, I now know that he was wrong!!).<br />
With help from Above and with determination I passed first time and my life<br />
opened before me.<br />
I can’t deny – the profession does have its merits. I have a house on a golf<br />
course, 4*4 vehicle, superbike in the garage, off-shore investments (you get the<br />
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drift), but more importantly, as manager of 5 divisions in a listed company, my<br />
mental challenges and stimulation are exceptional.<br />
Only thing is our company has gone through a lot of restructuring as many<br />
others, and whilst I was not personally affected, seeing it happening so close to<br />
you can’t leave one unchanged and not concerned about security. I realized the<br />
importance of a second income (not referring to my wife’s) or maybe a third, forth<br />
and so on…. Note – I love what I’m doing, thus I’m referring to true sideline<br />
business(es). And to be honest, Golden Products is just not my scene!!<br />
But exactly here is where the conflict starts – in my CA education entrepreneur =<br />
risk. Or should I say RRRRIIIIIISSSSSKKKKK!!!!! We shudder just to hear the<br />
word and will do everything to avoid it. In my brain I thus had a mental block,<br />
where a man named Hannes came in.<br />
After seeing your advertisement in the Rapport and attending a free cession, I<br />
immediately enrolled for your mentoring course. Trust me, I fall into the “willing<br />
learner” category as per your mission.<br />
I applied many of your principles. I started to spend hours and hours with<br />
entrepreneurs, learning how they operate and how to mitigate and almost<br />
eliminate risk. I reprogrammed my brain and as Gary Player used to say: “<strong>The</strong><br />
more you practice the luckier you get”.<br />
Bosman, one of my entrepreneurial friends who has his own printing company<br />
realized that he has never seen an advertisement on a shopping basket (there<br />
are on trolleys and carts, but not baskets). He shared this with a mutual friend<br />
Gert, who has the African distribution rights of a health snack called Trufruit, who<br />
immediately saw potential. I got involved due to my financial and legal<br />
capabilities. We developed a product, obtained required patents, lined up a<br />
national distribution agent, prepared all the contracts (we did this for free as per<br />
your advice with the attorney having a potential upside should it succeed),<br />
arranged international tax structuring (also on for free basis) , discussed it with<br />
retail groups and advertising agencies.<br />
<strong>The</strong> response, to say the least, is overwhelming. By having the product in the<br />
bottom of the basket, we don’t change the retail image, which is critical. But it<br />
turns a basket from a pure overhead into a money generating product. To<br />
illustrate the potential – last week we shared the idea with a local retailer group.<br />
<strong>The</strong> group has approximately 60 000 baskets. At R2 per basket for the retailer,<br />
they get R1.44m from a previous overhead! No brainer decision if I ever seen<br />
one. Without disclosing our margins (note that this is split between 3 of us – not<br />
thousands and thousands of public shareholders), imagine we get deals with the<br />
Tesco’s, Sainsbury’s, ASDA’s and Wal-Mart’s of this world…….<br />
Hannes, I don’t think words can express my gratitude towards what you are<br />
doing and what change you brought to my life, which obviously includes my wife<br />
and future family. Maybe what I should say is that your mission is to teach people<br />
how to get rich. From about 4 months from now, the chances are good that every<br />
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time you are going to pick up a hand basket in a retailer, a student of you will be<br />
10 cents richer!!<br />
Pieter Steyn<br />
Monday, August 29, 2005 Pieter Steyn<br />
Hallo Hannes<br />
ek wil net graag uit die diepte van my hart vir jou dankie se vir die unieke voorreg<br />
wat hierdie kursus my bied. dankie dat jy sonder om enige iets terug te hou jou<br />
kennis met ons deel.<br />
ek is in die bevooregte posisie dat ek danksy baie geluk en genade n groot<br />
hoeveelheid geld(miljoene) met n besigheid gemaak het. ek het egter deurentyd<br />
ver weg in my agterkop die vrees gehad dat ek dit dalk eendag kan verloor. ek<br />
het middelklas na laer middelklas grootgeword en is nie bereid om ooit weer na<br />
so n lewe terug te keer nie.<br />
ek leer baie uit jou kursus waarvan die belangrikste vir my die volgende is:<br />
1 ek besef hoeveel ek nog moet leer en ek ervaar hoe my denke verander. ek is<br />
baie meer konserwatief as in die verlede en neem slegs berekende risikos waar<br />
my kanse op sukses baie hoog is<br />
2 die klem wat jy plaas op n gebalanseerde lewe beteken baie vir my en my<br />
gesin. ek geniet dit soveel om besigheid te doen dat ek dit 7 dae n week wil<br />
doen. danksy die wiel van die lewe maak ek dit n prioriteit om genoeg tyd met my<br />
gesin en familie deur te bring.<br />
ek het geen vrees meer dat ek my rykdom sal verloor nie want ek weet hoe om<br />
rykdom te skep.indien ek alles verloor weet ek dat ek binne 2 jaar weer n<br />
miljoener sal wees in enige land in die wereld.<br />
ten slotte wil ek net se dat ek week na week al die lesse uitdruk en hou as n<br />
lewenskursus vir my seun. hy is tans 2 en `n 1/2 jaar oud.<br />
mag dit wat jy met soveel toewyding aan ons gee menigvuldig terugkom na jou<br />
toe<br />
Sunday, August 28, 2005 Marcel Delport<br />
Reading these success stories is inspiring indeed. I get a lift each time I log on<br />
and immerse my self in other people’s experiences, deep thoughts and dreams.<br />
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I am 10 weeks into the mentorship course. To say I’m not the same is not<br />
enough, I am changed, and continue to change inside out.<br />
I go through the lessons over and over until I internalize the gist of the lesson.<br />
<strong>The</strong> lesson on income, profit and cashflow has left me with mixed feelings. I was<br />
depressed for a day or two, because when I did the numbers on my current<br />
businesses I was shocked! I was happy, on the other hand, that I now know<br />
where I am headed and what needs to be done to move forward.<br />
I used the "Property Investment Analysis Software" to analyze my businesses.<br />
<strong>The</strong> two "big" businesses that I thought were my lifeline, were actually eating me<br />
to death slowly but for surely. One has an IRR -20 % and the other -infinite! In 8<br />
months time I would have been faced with a decision to sell or liquidate.<br />
On the other hand the three small business interests I have, which were more or<br />
less "things" that I never really paid any particular attention to turned out to be<br />
the shining stars! That gave me a smile and hope for the future. <strong>The</strong> one has IRR<br />
105 %, the other 164 % and the last one an impressive 300%! <strong>The</strong> capital<br />
outlays for these ventures were R3500, R2500, and the last jewel R450!<br />
<strong>The</strong> first two "big" business ventures total a million rand.<br />
<strong>The</strong> biggest painful truth about IGNORANCE is that YOU DON"T KNOW THAT<br />
YOU DON"T KNOW.<br />
Now I am working on strategies to turn the two big hippos around. I am certain I<br />
will succeed, thanks to you Hannes.<br />
Wednesday, August 24, 2005 Arlindo Tembe<br />
I have today (5 weeks within the mentoring course) realised and achieved one<br />
small thing `mentally` which had an impact on a potential mistake I was going to<br />
make. And that is to WAIT and learn first before I pursue in any further<br />
investment deals. I realised that something was wrong with my way of doing<br />
things (a couple of weeks before starting the mentoring course), but the question<br />
was what. I then after a five week period of doing the mentoring course realised I<br />
need to hang in there and learn more. I bought another book on property<br />
investments (Busy reading it), as well as looking for additional information on the<br />
internet. This should expand my knowledge on the subject. I also enrolled for the<br />
workshop on property investments. <strong>The</strong>se are only small costs in comparison<br />
with what I was going to loose when pursuing with a specific property deal. What<br />
you say is shocking in that we always get conditioned by "experts" that it is good<br />
to have a negative cash flow, and who makes money in the end, not me but the<br />
so called `experts`. My opinion, these so called `experts` are experts in making<br />
entrepreneurs fail, and enriching themselves. Maybe this is going on for so many<br />
generations that people just `accept` the way things used to be done. But yet<br />
again, as they say, if everyone does it, it got to be the `right` thing. This `right`<br />
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thing is definitely not good for myself and my future, since I am the one loosing in<br />
this deal. <strong>The</strong> mayor thing is that I made this `small` realisation of investing in<br />
myself FIRST and STOP continuing with that so called popular `right` thing. Once<br />
I feel confident that I know what I am doing that will get me out of this loop, then I<br />
will apply what I have learned. This is to me a personal achievement, which will<br />
put myself and my family first, before a so called good deal. May the next<br />
`expert` come by and take on that deal, while I will invest in myself FIRST!<br />
Sunday, August 21, 2005 Leon Janse van Rensburg<br />
Building the perfect me.<br />
This success story is dedicated to the norm. <strong>The</strong> norm that pushed me to where I<br />
am today. Thanks to them I proved the un-imaginary for my life.<br />
<strong>For</strong> me, success is about being on the edge and experiencing life at full throttle.<br />
It’s about doing what I always dreamed of doing … and doing just that. It’s what<br />
so many of my friends talk about doing, but they don’t do it. Success for me<br />
means the blood pumping through my veins. When you are in the heart of Mother<br />
Nature, the ocean and disappearing behind a curtain of water, surrounding you<br />
but not touching you, this is when I am at my peak and the success is burning<br />
through my veins. This sensation you will never know, unless you have been<br />
there for yourself. When I am traveling at great speed on snowy white ice<br />
surfaces and the slightest twist of the wrong weight distribution can mean the end<br />
of your ride. It’s when you feel comfortable with tunnel vision and fear is the<br />
factor that keeps you alive. This is where calculated risks play the most important<br />
balance between survival and the greatest thrill for me on this planet.<br />
My name is Xaver Walser, I am 31 years old, South African but now living in<br />
Switzerland. I am an affiliate on Hannes Dreyer’s mentoring course.<br />
My success story started some time ago when I dreamed of doing what I always<br />
wanted to do. This was to travel the world, ride the planets most beautiful waves,<br />
go at least once a year on a snowboarding holiday in the Alps and still make<br />
money in the process. <strong>The</strong>re was only one problem. I am a waveski/kayaker and<br />
there was not enough money in the sport to pay for the top riders to compete. I<br />
love beautiful things and my eyes are always capturing passing moments. “<strong>The</strong>re<br />
must be a way to treasure these moments better” I said to myself. I started<br />
drawing, but could not keep up, for there were too many pictures in the world that<br />
needed capturing and my left-hand could not sketch fast enough. I managed to<br />
save enough money to buy my first video camera. This way I could capture the<br />
moments of live much better. My vision was big and suddenly a world of<br />
opportunities was open to me.<br />
My brother Pieter and I set off for a trip of a lifetime. <strong>The</strong> Philippines have always<br />
been an untouchable dream destination for us and this time we were going to<br />
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view it ourselves. With Pieter being an excellent stand-up surfer, together we<br />
made a great combination riding the swells. We made a point to filming each<br />
other and not a wave went by without one of us behind the camera. We also<br />
realised if the camera is pointing your direction, you are pushing your body to the<br />
ultimate. <strong>The</strong> camera cannot lie and the beautiful unspoiled Philippines were<br />
captured forever on film.<br />
Back home I started the editing process and part time studying at City Varsity film<br />
school. It took me more than 6 months to edit the thing together. I called it Open<br />
your Mind. Why? Because it opened my mind to the world. I was completely<br />
hooked on my new profession and happy that I could express myself in this way<br />
and still enjoy the sea like I always wanted. I sold 270 copies of Open your Mind<br />
and knew that I had something unique. <strong>The</strong> year after, Mutual Addiction sold 300<br />
copies, but this was not enough to live of. Everybody was pretty much against<br />
me. What is this guy doing, sitting night after night and playing. A friend of my<br />
dad even said. “If I have to struggle like this then I rather work” Well they were<br />
probably right but I was definitely not going to listen to them. I had a voice in my<br />
head that told me that I was on the right path. <strong>The</strong> work came in but my business<br />
knowledge was seriously the missing link. I had to leave the comfort of home and<br />
went to London, giving up my great life and stuck in a city without an ocean or<br />
snow. I felt like a complete loser. I had to do a job that was nothing that I wanted<br />
to do. <strong>The</strong>re were very little beautiful pictures and my creativity took a big dive. I<br />
wanted to get back on my feet and I was ready to fight for it.<br />
One good thing is that I kept on filming and in the process I met Philip Darley, a<br />
BBC camera man, little bit in the same position as myself. We had two things in<br />
common; we were both capturing beautiful pictures on film and believe it of not,<br />
he was also a waveskier. So suddenly there was plenty of motivation. We did<br />
some great work together in the corporate city of London, but the nature was<br />
calling me. <strong>The</strong> longing for adrenalin was too great. So in an act of… I cannot<br />
handle this city any more; I left, to the mountains, <strong>The</strong> Alps. <strong>The</strong> snow.<br />
This winter it will be two years since I left the city of London. So much has<br />
happened. I knew that I was destined for greater things and to do what I love<br />
most. <strong>The</strong>re on the European continent I met my dream wife and today we are<br />
living in one of the most beautiful places in the world. Life is expensive, very<br />
expensive, but I learned how to charge international prices for my films. My<br />
website www.subgraviti.com is selling movies as we speak and I am sitting in<br />
Mexico in a dodgy little Internet shop. I am living my biggest dream. Traveling<br />
around the world with the best waveski surfers in the world, while I am working<br />
on the next movie. After filming I paddle out myself for a few waves and best of<br />
all getting paid for it. Only to travel back to the Alps to start the editing process<br />
with 6 months of snowboarding ahead of me. I can go riding every day if I want<br />
to, but I prefer just going on the best powder days.<br />
Hannes Dreyer came at a very important time of my life. A time where I started<br />
thinking on how it would be possible to do more for waveski. I would like to make<br />
some money available for the top riders to win at competitions. Something that<br />
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has never really been done before and that I did not have when I was a top rider.<br />
I have done more than most of my friends can ever dream of. I have pushed my<br />
body to the ultimate and I was ready for a new challenge. I also want my wife to<br />
have as much free time as myself for travel and snowboarding.<br />
So today I am applying all of Hannes Dreyer’s methods in my own life. When I<br />
am away on my film-shots in Peru or Mexico, surfing the planets most beautiful<br />
waves I know that every Friday I have an appointment with the Professor. Not<br />
always easy to print out the lessons in the little Internet shops all over the world.<br />
But I get my printouts and this is my day-to-day inspiration. My will power to carry<br />
on and make my biggest goals a reality.<br />
All thanks to the Lord for creating the norm and making me not part of them. <strong>The</strong><br />
guidance for building the perfect me. Amen.<br />
Xaver Walser for SGP Media.2005<br />
Saturday, August 20, 2005 Xaver Walser<br />
Hannes<br />
<strong>The</strong> real secret of success is enthusiasm<br />
Walter Chrysler<br />
I have waited a while before I decided to write you my success story (Maybe I<br />
should call it my success journey, because it is not finished yet). Not so much<br />
because I was waiting for the BIG deal, but because I find it difficult to put into<br />
words, what this mentoring course as well as the Property Pro Workshop I<br />
attended in January 2004 has meant to me thus far. Maybe the best way for me<br />
to describe it is that if a picture is worth a 1000 words then your mentoring is<br />
worth at least a 1000 pictures.<br />
I am a town planner of profession and currently employed in a local government<br />
organization for the last 10 years. I have always seen myself as ambitious and<br />
therefore from the day I started working at my current employer decided that I<br />
want to move up to the highest position possible in this organization. That was<br />
until I made a few calculations with the assistance of a financial planner to see<br />
what my financial situation would be should I stay at this organization and retire<br />
at age 65. This gave me a shock. Over and above the aforementioned financial<br />
shock I reached my upper limit and the chances are very slim that I will ever get<br />
a promotion, mainly due to the political climate we are working in.<br />
I am 35 years old and my wife and I only started with a family a little more than<br />
two years ago. My son had his second birthday on 19 May 2005. I have made a<br />
decision that if I don’t want my son (and if God will, any other children we may<br />
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have) to end up where I am now, I will seriously have to do something to start<br />
building a better future for him (them). I wish that I could have learned what you<br />
are teaching now much earlier in my life. However, I thank God now for making<br />
me uncomfortable in my circumstances because I now know that once you are<br />
satisfied in your circumstances, your mind tends to switch off and you get lazy. I<br />
believe its never too late to start something new and I can now ensure that there<br />
is growth in my generation (my son) by teaching my children from now onwards<br />
everything that I now learn about: financial planning, how to work with money,<br />
how to be an entrepreneur, how to create your own opportunities, how to be<br />
balanced in all aspects of your life, how to manage your time and all the other<br />
wonderful things that I myself are now learning through your mentoring program<br />
and other workshops. My children will have at least double of what I will end my<br />
life with - and I am not only referring to money, but to everything in life i.e. their<br />
relationship and purpose in Jesus Christ, their relationships with other people,<br />
their health etc. <strong>The</strong>ir children will again have double of what they have and in<br />
this manner I have an INFINITE growth in my generations that will follow me, and<br />
I think that this will make God also happy, because He gets the glory.<br />
I have become an EXTREME OPTIMIST!! You have opened my mind to such an<br />
extent that I know that nothing is impossible. Well maybe there is only one<br />
impossible thing, and that is for the devil to get into heaven. Other than that<br />
everything is possible. I have two properties. <strong>The</strong> first property I bought before I<br />
did your Property Pro Workshop. Although I made a few mistakes I am still<br />
enthusiastic and turned that property into a positive cashflow with what I have<br />
learned so far from you. Although it’s not much yet, it is there. I bought the<br />
second property at the end of 2004. I was renting myself when this property fell<br />
into my lap. I bought it below its market value, had to clean it up a bit and moved<br />
my wife’s business to the property. I have a positive cashflow from this property<br />
and it also has the potential that I can create more space for another tenant<br />
which can bring in more money.<br />
In conclusion, I want to say that my vision is in place and is aligned with God’s<br />
purpose for my life. I recently obtained a CD with a message from a guy named<br />
Pastor Casey Treat. <strong>The</strong> CD is titled “Your vision is your future”. He also<br />
indicates that “what you see is what you get”. If you see (your vision) good things<br />
in your future you’ll get good things in your future, but if you see average or bad<br />
things in your future, that is what you will get.<br />
Hannes, thank you so far for what you have given me. Amongst other things, you<br />
have taught me how to start implementing my vision. It is true that it is more<br />
important to give than to receive. You have also made me think of what I am<br />
giving to other people. This is an area in my life that I need to work on, but I have<br />
started with this journey, and I am enjoying it everyday of my life.<br />
Talk to you again<br />
MARTIN JONKER<br />
Tuesday, August 16, 2005 Martin Jonker<br />
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Hi Hannes!<br />
Let me share my success story with you! <strong>The</strong> most satisfying part of my present<br />
journey is the sense of release from the rat race. This in itself is at times<br />
euphoric! Although I can not yet leave my present job as a Periodontist I have<br />
initiated the structuring of my portfolio so that in 10 years time my and my wife’s<br />
investments will provide enough passive income so that we can retire and do as<br />
we please if we so wish!<br />
My father and grandfather both worked many years (30 Y) for large departments<br />
/ corporations - my grandfather for customs at Cape Town harbor and my dad for<br />
Sanlam. Myself and my brother were urged to study to become professionals so<br />
that our future `would be secure`.<br />
What do you know when you are young? We are never schooled in the finances<br />
of life. While I was studying I never gave my future financial wellbeing a thought.<br />
My first job as a dentist was in Gobabis (200km east of Windhoek) - What a<br />
culture shock for a recently graduated 23 - year old from Cape Town! However, it<br />
did not take long before a couple of predatory mutual fund salesmen came a -<br />
knocking and sold me my first PPS shares and life cover, etc.<br />
After 6 years in Namibia I went to specialize in Periodontics at the US. Four<br />
years later I completed my studies and I set up practice in Bellville. Starting with<br />
basically nothing.<br />
In 2000 I was flying back from a congress in America and grabbed a copy of<br />
`Rich Dad, Poor Dad` to read on the plane. What I read in the next 10 hours had<br />
an instant and profound affect on me and my outlook on the world around me. I<br />
proceeded to read of his other books and started to make changes to my life<br />
accordingly.<br />
<strong>The</strong> following basics have guided my journey so far:<br />
1. I have made effort to explain to my wife, Mariaan, how things work in the<br />
world of money and how our approach should change.<br />
2. <strong>The</strong>y apply to my everyday life and to my retirement.<br />
3. Being constantly on the look out for opportunities of passive income.<br />
4. Moved my business to my home with considerable savings in overheads.<br />
In March of 2002 I had a stand placed in one of the major arteries of my heart<br />
- At 36 y old this was a shock and served to accelerate my efforts in pursuit of<br />
early retirement with enough passive income flow to support Mariaan and<br />
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myself and which would serve my daughter (6y) in the future. This further<br />
strengthened my resolve to stay out of decisions which would have a negative<br />
impact on my financial planning, such as moving into a bigger house with<br />
many extra costs - to impress who? Stories also abound in the medical<br />
professions of 65 y old doctors who can’t afford to retire! Such stories are hair<br />
- raising!<br />
5. Myself and three other like-minded people started an investment club to<br />
primarily deal in property.<br />
6. I have allowed my entrepreneurial spirit time to grow some ideas and from<br />
these processes have started two projects.<br />
7. I have purchased a few properties to rent long -term and have bought one<br />
to `flip` for capital gain.<br />
8. I have got all my taxes sorted out.<br />
9. I started a family trust to conduct business through so that I am not busy<br />
with ` boedel bou`.<br />
10. I have relinquished most endowment policies in favour of other wealth<br />
creation vehicles.<br />
About one year after the formation of our investment club I finally gave into the<br />
lure of your ad in a local newspaper ad attended one of your seminars. We were<br />
very impressed and immediately realize that there was a more thorough way of<br />
approaching property investment. We sent one of our members to the full day<br />
seminar and are getting feedback in three days time.<br />
<strong>The</strong> remodeled approach to my life has made it a pleasure to get up in the<br />
morning and go to work. I have set a date for me retirement in 10 years time (the<br />
day before my fiftieth birthday) but I am also going to enjoy the journey with<br />
family and friends!<br />
Kind regards,<br />
Paul Botha<br />
Tuesday, August 16, 2005 Paul Botha<br />
Success should not be about comparing ourselves to others, but rather about the<br />
challenges and changes that we need to internalise firstly, and then secondly<br />
apply.<br />
My successes have come about in two ways:<br />
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1 PERSONALLY: Earlier this year my wife and I decided to apply what we’ve<br />
learned from attending Hannes Dreyer’s courses. It meant taking bold steps but<br />
we did it. We paid off our debt and soon after bought our first and more recently,<br />
our second investment property. Our goal was to have two properties by the end<br />
of 2005 - it looks like we will end with five!<br />
Having followed the mentor program, I have learned more about myself and have<br />
the confidence to apply what I learned to the benefit of myself, my spouse and<br />
more importantly my community. I CAN achieve my goals and now know I WILL<br />
achieve financial freedom.<br />
2 PROFESSIONALLY: I’m a certified Financial Planner licensee, and have been<br />
in the industry for nine years. Having attended more than one of Hannes`<br />
courses has changed my thinking on financial planning completely. Again it was<br />
to get out of and shrug off "old thinking" and take on the new. A huge internal<br />
process after nine years!<br />
I put this "new" thinking into practice recently, with one of our clients. Mr "X" saw<br />
us after having purchased a property with a bond of R800 000 at prime less 2%.<br />
We decided to put these new found skills into practice. It’s amazing what you can<br />
achieve when you start to think "outside the box."<br />
In these specific cases we had a skeptical client. With some clever thinking we<br />
managed to get him his new property of R800 000 without him spending one<br />
additional cent from his current monthly budget. In addition we slashed his<br />
monthly insurance premiums spend by over R5000 but INCREASED his current<br />
life cover!<br />
Now this is how Financial Planners should be going about wealth creation!<br />
Needless to say our client believes we are heaven sent. All I really did was apply<br />
some basic principles taught by Hannes.<br />
When you look at the above, they are comparatively small successes, but as the<br />
saying goes "Do not despise the small beginnings." <strong>The</strong>re will definitely be more<br />
to come!<br />
Regards<br />
Ian van Greunen CFP<br />
Friday, August 12, 2005 Ian Van Greunen<br />
Winning is not everything, but wanting to win is.<br />
Vince Lombardi<br />
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2003 was ek werkloos en het nie geweet hoe ek brood op die tafel gaan sit nie.<br />
Ek het gekies om nie weer as ingenieur te werk nie, want dit sou my beperk in<br />
die mate wat ek tyd met my gesin kan spandeer.(Gebalanseerd) In hierdie tyd<br />
het ek my eerste en seker grootste sukses behaal. Ek het geleer ware geluk kom<br />
van binne, maak nie saak wat my omstandighede is nie. Sekerlik my grootste<br />
sukses.<br />
Sedert my werkloos dae in 2003 het ek en ‘n vriend, deur groot genade, dit<br />
reggekry om vriende en familie te help om meer as 25 kontantvloeipositiewe<br />
eiendomme te koop. In die proses het ek my finansiële posisie so verbeter dat ek<br />
twee kontantvloeipositiewe huise van my eie kon aanskaf. Ek sou meer kon koop<br />
maar wou myself nie oorlaai met risiko nie. Ek het daarom ‘n ander plan gemaak<br />
en ‘n paar eiendomme saam met ‘n paar familielede in ‘n familietrust gekoop en<br />
so my risiko gedeeltelik afgedek.<br />
In die proses het ek op ‘n baie goeie kommersiële eiendom afgekom, ons het ‘n<br />
100% lening oor 8jaar gekry. Nieteenstaande die kort afbetaalperiode is die<br />
eiendom steeds kontantvloeipositief. Die eiendom is in ‘n trust gekoop sonder om<br />
iets in te betaal en sonder dat ek enige borg moes teken. My deel van die<br />
inkomste uit die eiendom is groter as my huidige salaris.<br />
Julie 2004 het ek en twee vennote begin met ‘n nuwe besigheid. Enigste koste<br />
was my persoonlike uitgawes aan telefoon en brandstof vir een maand. Die<br />
besigheid het gegroei tot ‘n pragtige grootte met ‘n baie gesonde kontantvloei.<br />
Dit is my storie. Ek moet erken dat ek die sukses nie aan myself kan toeskryf nie.<br />
Dit is nie my wenresep of stelsel wat dit laat gebeur het nie – ek glo dit was net<br />
genade van Bo.<br />
Die eningste ding wat ek wel aan myself kan toeskryf is die gewilligheid om te<br />
leer by ouens soos jy en my gewilligheid om te doen.<br />
Nou sien ek uit na die uitdagings wat voorlê!!<br />
Groetnis<br />
Hannes Oosthuizen<br />
Monday, August 08, 2005 Hannes Oosthuizen<br />
Ons sukses storie begin in Maart 2004. Ons het daaraan gedink om `n ekstra<br />
eiendom te koop vir `n belegging, maar het nie werklik geweet waar om te begin.<br />
My Pa het vir ons Hannes se advertensie in die Rapport gewys en ons het besluit<br />
om een van die seminare by te woon. Ons het intussen begin om na verskillende<br />
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eiendomme te kyk en het byna die eerste koop gedoen voordat ons die seminaar<br />
bygewoon het.<br />
Ons het die seminaar en daarna die werkswinkel bygewoon. Ons het ongelooflik<br />
baie geleer en begin voel ons het `n baie beter idee waarna om te kyk en hoe die<br />
som moet lyk wat ons moet doen om te verseker dat dit wel `n belegging gaan<br />
wees. Indien ons die eiendom gekoop het wat ons na gekyk het voor ons die<br />
seminaar gedoen het, sou ons beslis `n duur les geleer het, want DIE SOM het<br />
nie uitgewerk nie!<br />
Die eerste eiendom wat ons toe wel gekoop het was in 2 opsigte `n verniet<br />
eiedom. Dit bestaan uit 2 huise op een erf wat ons gekry het vir die prys van een<br />
huis want die tweede huis het heelwat aandag nodig gehad. Die eerste huis kon<br />
ons onmiddelik (net eers geverf) uitverhuur en die huurinkomste hieruit het ons<br />
maandelikse paaiement en betalings gedek. Ons het die tweede huis herstel en<br />
begin met die proses om die eiendom onder te verdeel. Ons is tans besig om die<br />
tweede huis te verkoop teen meer as wat ons vir beide huise betaal het. Die<br />
herstelwerk het ons self gedoen en daarom het dit ons heelwat minder gekos as<br />
wat `n boukontrakteur sou vra en gaan ons die grootste gedeelte van die<br />
verband op die eiendom kan aflos of die wins kan gebruik om `n verdere<br />
belegging te doen.<br />
Ons het ook 3 ander eiendomme gekoop. Die een het ons uitverhuur soos dit is.<br />
By die ander 2 kon ons die huise verdeel in twee drieslaapkamer eenhede elk en<br />
sodoende het ons 4 eenhede om uit te verhuur.<br />
Lesse geleer:<br />
1. Klim uit "die boks" en stel jouself daarop in om buite "die boks" te dink en<br />
doen.<br />
2. Doen DIE SOM!!!<br />
3. Pas Hannes se tegnieke toe en maak `n sukses!<br />
Baie, baie dankie Hannes en Tanja vir alles wat ons by jul leer van beleggings en<br />
dat julle by mekaar staan en mekaar ondersteun. Dit het ons ongelooflik baie<br />
gehelp en ons groei geweldig baie as mense en ook finansieel. Ons geniet dit<br />
wat ons mee besig is ook geweldig baie. Ons seuns is nog klein, maar ons<br />
probeer om hulle sommer al klaar die beginsels te leer sodat hulle ook `n sukses<br />
van die lewe kan maak en dit geniet.<br />
Groete<br />
Neil en Marlene Scheepers<br />
Thursday, August 04, 2005 Marlene Scheepers<br />
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Where do you start writing a success story, if the only thing you think of is you’re<br />
past failures? It numbs the mind and feeds the fire of fear, and then you stop<br />
living, procrastinate and accept your fate.<br />
You pray daily for an outcome, an opportunity and ones it shows itself, you’re too<br />
blind to recognize it and so life passes you daily. I am 37 years of age and an<br />
agriculturist by trade, and that is how I use to feel daily.<br />
Two months ago I saw an advertisement in the paper," Property School- Free<br />
Seminar-Cape Town". Needless to say I attended and got one hell of a rude<br />
awakening. In front of me stood a self made man (he has discipline), who is<br />
prepared to teach me his secrets (he is not selfish), who want to see everybody<br />
succeed financially, mentally and physically (he truly cares) and most of all he is<br />
genuine. Why will I not invest in somebody like that to teach me his secrets?<br />
I know for a fact that what he consist of will rub of on me, it is unavoidable. I am<br />
on the mentor course and only in my second week, and I already can see that<br />
the rich have a different language, that I need tons of education, discipline,<br />
commitment and perseverance to be successful.<br />
I have not made that "million dollar" deal YET, but my eyes have opened to my<br />
existing successes.<br />
1) I have taken that first important step, that leap of faith to success by<br />
committing myself to improvement.<br />
2) I have committed myself to a greater life of abundance.<br />
3) I am married for ten years to a beautiful and supportive wife.<br />
4) I am blessed with a beautiful Four-year-old daughter.<br />
5) I have purpose.<br />
6) I am free.<br />
7) I have a choice.<br />
<strong>The</strong>se successes cannot be bought with money and I am convinced that my<br />
foundation has been laid in concrete and my commitment for improving daily and<br />
becoming richer by the day is engraved in stone.<br />
Thank you Hannes and your team for giving me the opportunity to live a life of<br />
abundance. Now I know what David Mc Nully meant when he said, “Even Eagles<br />
need a push".<br />
Carpe Diem<br />
Monday, August 01, 2005 Darryl Laing<br />
Dear Hannes<br />
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Thank you for the opportunity that you have given to all your students. I am an<br />
accountant and a certified financial Planner. I attended a workshop at<br />
Montecasino after seeing your advertisement in the Sunday Times. Once I<br />
started seeing your presentation of IRR and other, I knew instantly that my<br />
search for sound investment with minimal risk was over. In my accounting and<br />
CFP studies I have always known about IRR, compound interest and all the other<br />
wonderful financial terms. My problem had always been how to invest using IRR,<br />
eliminating the risk and extending the asset base.<br />
I attended property school in May and have yet to make any offers or big deals.<br />
However I would like to share with you my various success stories.<br />
I have since found a stable quick internet connection after waiting patiently for<br />
one month with itchy fingers for my upgrade with Vodacom, however their 3G<br />
signal did not work at my home. I approached someone else who did some<br />
testing said the signal was strong enough came to install super duper internet<br />
connectivity only to find that there was no signal. I approached I-burst who gave<br />
me a 3G card with no stable connection, as I write this I have connectivity<br />
through I-burst through a stable quick internet connection.<br />
Problem solved, I now have the ability to work in an efficient manner.<br />
I have approached an administrator who I have now sent on your property<br />
course. She has contacts at various liquidators I now have a regular list of<br />
properties (with motivated sellers) from various sources. I believe I have a<br />
competitive advantage over your many students as I will have information before<br />
most others. (I do plan to use all your web services as well)<br />
I am in the process of using one of my secretaries at Liberty to set up meetings<br />
with various liquidators to make offers on various properties, and have offered<br />
her a new role in my new business interests.<br />
I have arranged with an attorney who will handle all my transfers at reduced fees<br />
and incentives to put all my asset purchases through her.<br />
I have arranged with an estate agent (personal friend) who I have also sent to<br />
your course who will offer their help and expertise in determining a true market<br />
value for various assets. I have also received a database of estate agents whom<br />
I plan to sell the Bond optimizer. I have used my vast database gained through<br />
my role at Liberty to make as many people aware of the mentorship course.<br />
I believe all the above to be success stories however I believe the most<br />
successful to be this:<br />
As a certified financial planner like you I am bound by a certain code of conduct<br />
that in all instances I should offer best advice. I have never sold any assurance<br />
product with "gatsak geld" at the top of my agenda. I have always done a full<br />
Financial needs analysis and the due diligence that is required of a financial<br />
planner, and have sold with my best intention and with the best knowledge that I<br />
have had at the time, an RA being a favorite because of the effect of compound<br />
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interest and various tax deductions based on their non retirement funding<br />
income.<br />
After attending the workshop I took 1 week off to reflect on how this new<br />
knowledge should change my life, I want to accumulate mass wealth not to show<br />
off but in order to enjoy the one life we are given to the fullest and to give freely<br />
to others. I have always been charitable but money was sometimes a concern.<br />
As an ex assurance salesman you will be aware that all agents have a two year<br />
liability on any product that we sell. I had a HUGE dilemma! Do I tell all my clients<br />
about this incredible opportunity, or do I leave out the persons on my database<br />
that I have recently seen and sold an RA.I could not in good conscience go and<br />
tell every new client that the best form of investment is an RA or investment<br />
builder. However how do I earn for my time?? I believe that anyone who attends<br />
your property workshop and obtains the software will immediately make any RA<br />
paid up effecting my pocket, persistency, etc. I was about to write to you to ask<br />
you what to do!<br />
<strong>The</strong> solution came to me, I have registered as an affiliate, being a capitalist like<br />
you I can no longer work in an industry where the target market does not value<br />
my time or pay me for it, as well as the large assurance companies placing an<br />
increased burden on their agents without them valuing our time or paying us for it<br />
either. I have since sent mails to all people, clients and friends I know informing<br />
them of the limitless opportunity that awaits them if they check out your website.<br />
My thinking is this:<br />
Life is about a choice. By sending all clients the mail below I have offered all of<br />
them a choice either click or don’t, stick to the rat race or become free.<br />
Life is about giving and Receiving. By sending this mail I am giving best advice<br />
(In terms of the FAIS act) if you click you can make your own decision to follow or<br />
lead or make your RA paid up. I will win in terms of my affiliate fee and best<br />
advice, you will win and if the client acts they will win too, again the choice is<br />
entirely up to them.<br />
I have pledged to give a % of every one my affiliate fees to children’s charities or<br />
social development projects. (All it is, is a reduced infinite IRR, if there is such a<br />
thing)<br />
Life is given in ABUNDANCE if someone takes this opportunity they will be<br />
GIVING, RECEIVING, Enjoying in ABUNDANCE. However<br />
Life is a choice, Make yours!!!<br />
I therefore believe wholeheartedly that anyone who makes the RIGHT choice will<br />
be in a Win, Win, Win situation to take control off their own life. Dilemma solved if<br />
they make RA paid up I will have an affiliate fee, I am offering best advice in<br />
terms of FAIS and creating wealth for them, if they delete as I assume many<br />
people will do. I can then in good conscience say "did you check out the site, NO,<br />
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okay well the best thing in your circumstances until you check out the website is<br />
an RA of R...... per month."<br />
Hannes and family I wish you all the success you deserve. I know my life will<br />
always be fulfilled in everyway I dream. Look forward to meeting with you in<br />
Mauritius.<br />
Kind Regards<br />
David Leslie<br />
Friday, July 29, 2005 David Leslie<br />
<strong>The</strong> ladder of success is never crowded at the top<br />
Napoleon Hill.<br />
Dear Hannes and the <strong>Wealth</strong> <strong>Creation</strong> Team<br />
I would like to thank you for opening a whole new world for me at a time in my life<br />
that I was searching for someone like you without consciously being aware of it.<br />
<strong>For</strong> the past three years I’ve been in a career that I’ve been uncomfortable with<br />
and not particularly enjoying, but if there is a bond to pay and the income from<br />
the job is not too bad, you tend to suppress your negative feelings in the hope<br />
that somehow the situation will improve.<br />
I’ve constantly had the feeling that I am capable of so much more and my talents<br />
could (and should) be utilized to a much greater extend that it was being used,<br />
but did not know how to channel my energy. Where do you start? Where can you<br />
get practical advice? I’ve been listening often to the American business<br />
philosophers such as Jim Rohn, Zig Ziglar, Brian Tracy and the like and find<br />
them extremely interesting, but the drawback being that they cover general<br />
principles and do not give practical advice.<br />
I’ve wanted to enter the property investment market as well, but once again,<br />
where do you start and who do you ask? Fear was holding me back, because<br />
even though I’m earning a decent salary, I cannot afford to make a mistake with<br />
my property and be stuck with two bond repayments and a property I can’t get rid<br />
of. So you end up doing nothing.<br />
And that’s when I saw the advert in the newspaper. I was a bit skeptical at first<br />
due to my two personal golden rules of investments (and life, for that matter)<br />
1. <strong>The</strong>re’s nothing like a free lunch, and<br />
2. If something sounds too good to be true, it usually is.<br />
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You’re advert was breaking both my rules but I decided to go and listen anyway.<br />
I’ve attended timeshare promotions before and if I could walk out of there without<br />
opening my wallet, I was sure I could do the same with you!<br />
Fate nearly intervened again on the day of the meeting. A PTA meeting was on<br />
that night at our kids’ school and my wife RSVP’d only to realize that she had<br />
double booked herself and ordered me to go in her place instead. I was<br />
disappointed that I would not get to hear what Hannes was going to say,<br />
especially after booking six weeks beforehand, but also knew that it was<br />
important to hear what was going on at school. During the course of the<br />
afternoon a little voice inside my voice kept pestering me and I phoned my wife to<br />
let her know that I decided not to go to the PTA meeting, because I felt it was<br />
more important to hear Hannes out.<br />
At his seminar I had a Eureka moment as I realized that Hannes was addressing<br />
the needs and wants that I had inside of me for so long and some which I did not<br />
even realized I had. It felt as if a light went on as it dawned on me that I have<br />
been looking for this man bearing this message of hope and guidance for the<br />
past two years.<br />
At the end of the evening I was sufficiently convinced of his merits that I<br />
purchased the Property Pro basic course and the copy I received was the last<br />
one available that night! On a fatalistic level it really felt that I was meant to have<br />
a copy that night so that I could start my new quest of knowledge in the car on<br />
the way home already.<br />
I’ve only been following the mentoring program for five weeks now and find it<br />
extremely interesting. What I like the most about Hannes’ approach is that he is<br />
not trying to sell quick fixes like a lot of other “mentors”, but rather shows you<br />
how to do the mending so that you can effect the repairs yourself!<br />
I will be attending the Property Pro workshop next month, and look forward to<br />
learn more of his wisdom and to get the ball rolling of my own wealth creation<br />
mission.<br />
Thank you again, Hannes. I look forward to telling you all about my plans on the<br />
plane to the Mauritius!<br />
Regards<br />
Francois Vivier<br />
Wednesday, July 27, 2005 Francois Vivier<br />
Dear Hannes,<br />
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<strong>For</strong> many years I have experienced this burning desire to be my own boss. On a<br />
regular basis have I come home with another “SCHEME”, on which my fainthearted<br />
wife had to cope with her husband the DREAMER. Needless to say<br />
these schemes never realized, because of the lack of capital and guts (so I<br />
thought) and therefore the risk involved was to big – What if I was part of the<br />
80% that when bankrupt within a few days, months or years. I was scared to take<br />
that first step, for some or other reason. I could not even apply your first rule:<br />
Always invest in yourself before you invest in any business or investment, due to<br />
a lack of knowledge.<br />
Little did I know that 2004 was going to be my turning point!<br />
It all changed in January 2004 when something in your newspaper ad tickled me<br />
in such a way that made me attend your free seminar. I met you that day and<br />
liked you from the first moment. Here was a man with great integrity and<br />
charisma you rarely find in people. I came home so positive that I had to make<br />
the booking for the Property Pro Workshop. I had to borrow the money and<br />
convince my wife that this will be to our future benefit. R 4 400 is a lot of money<br />
for an ordinary guy like me – cannot afford it.<br />
<strong>The</strong> workshop was mind-blowing. It literally took me weeks to absorb all the<br />
information and possibilities. My mind was a few gears up and was looking for<br />
deals. People could not understand why I would pay so much for a one day<br />
workshop.<br />
2004 was a very difficult but exciting year.<br />
1) I decided to take responsibility of my life; only you can make it better.<br />
2) Myself and my wife were involved in two separate armed robberies, glad to be<br />
alive,<br />
3) and our first deal took 8 months to conclude (private deal with an 86 year old,<br />
Non RSA Resident in Austria). <strong>The</strong> property already have an equity of around R<br />
250 000.00 and delivers an infinite return.<br />
This year we decided to startup a small business, so we bought a Jumping<br />
Castle. We have taken a calculated risk in financing the Castle- the tenants are<br />
financing it. We are receiving passive income of around R 500.00 a month. We<br />
know it’s not that great, but the idea was to prove to ourselves that we can<br />
indeed do it! All of the income is going back to the bond. We are in the process of<br />
purchasing our 3rd property.<br />
I am starting to get out of the box, but there is still a long road ahead. Hannes,<br />
like you have said small steps at a time are what get you there. 18 Months ago I<br />
would not have thought that we would own more than one property at once.<br />
I am also experiencing personal growth within myself. I am much more focused. I<br />
have taken control over our personal finances; setup a monthly budget,<br />
something that was never done. It is amazing to actually see where the money<br />
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goes and therefore made the necessary adjustments to settle all bad debts. I just<br />
need to stay disciplined and focused. I have put together a plan on where I want<br />
to be within 2 years and broken it down to smaller steps.<br />
I joined your mentoring program 5 weeks ago. I think it is fabulous and cannot<br />
wait for next week’s issue.<br />
Hannes, do you know what is nice about the mentoring program – I no longer<br />
feel alone anymore, there are other people just like me who are in the same boat,<br />
and the best part is that we are having the greatest mentor in the world giving us<br />
guidance to also be successful in future.<br />
P.S. My wife is starting to see the bigger picture.<br />
Greetings<br />
Johan van der Merwe<br />
Tuesday, July 26, 2005 Johan van der Merwe<br />
Having read Hannes’s stories I realized, success is a relative thing. <strong>For</strong> me it<br />
means first of all to know and understand yourself. Personally I discovered this<br />
through consultations with a psychologist – they can do wonders to help you get<br />
insight into your strengths and weaknesses and understanding what drives you<br />
personally. Making “deposits” into my marriage, spouses, family and friends are<br />
equally important to investing in real assets that will create passive income. <strong>The</strong><br />
dividends from immaterial things bring me just as much joy and maybe even<br />
more than material things (money). It was only when I learnt making money does<br />
not necessarily mean sacrificing time with my family, things started to fall in<br />
place. As in life, where I regard failures and obstacles as rough rocks to cling on<br />
to get to the top of the mountain, like a mountain climber, successes and failures<br />
in finances are similarly treated.<br />
We live in a fast changing world where outdated formulas simply do not work any<br />
more. Hannes, you and your team augments technology and take us to places<br />
we did not even know exist – without joining you in the helicopter! You possess a<br />
rare talent of discovering and sharing invigorating ideas in a simple,<br />
understandable way. Thank you for sharing it with us!<br />
Maryke Herbst<br />
Tuesday, July 26, 2005 Maryke Herbst<br />
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Angela and I started working at a restaurant while we were still at school. We<br />
knew what we wanted and started working towards it. We were fond of each<br />
other and we knew that one day we will be getting married. We decided to get<br />
our financial foundation in order. After metric I studied National Diploma<br />
Marketing at Pretoria Technikon. While I was studying it was essential for me to<br />
earn some extra money, as my parents were able to pay for my studies but could<br />
not provide substantial spending money. I still worked as a waiter but my income<br />
was insufficient and I was always seeking to buy and sell anything to earn a few<br />
extra Rand. I obtained 3 Porsche tires free from a friend and advertised them in<br />
the Junk Mail and easily sold them or R600, which was quite a lot of money for<br />
me as a student 1993.<br />
I recognized this to be a good business and sought tires everywhere while<br />
continuing to work as a waiter, investing my money in tires. I completed my<br />
studies in 1995 and continued to work at the restaurant while building my tire<br />
business. <strong>The</strong> tire business grew rapidly running from my parents’ home. In 1996<br />
there was a knock on the door and a town planner ordered me to cease trading<br />
within two weeks I obtained premises at a very reasonable rent, but was required<br />
to sign a three year contract. <strong>The</strong> passing traffic was the best thing for my<br />
business which grew rapidly.At the age of 25 years I bought my first property in a<br />
very busy street. I bought the property for R220, 000 and immediately applied for<br />
business rights.<br />
Angela and I got married in 2000 and we bought a house to live in for R365, 000<br />
and sold it two years later for R520, 000. We then bought a house at an auction<br />
for R705, 000, upgraded it and sold it for R2, 000,000. In 2002 we realized how<br />
quickly the value of properties was growing and at the end of 2002 bought a<br />
property in Boksburg North with two houses on the stand for R290, 000. <strong>The</strong>se<br />
houses were rented for R2000 and R3000 per month and were the best<br />
investment we made at that time. I read every book I could about investments<br />
and then read in the newspaper about a seminar presented by Hannes Dreyer<br />
and attended the course in January 2004 to improve my knowledge. I then<br />
realized that the best investment I have ever made was the money invested in<br />
the course.<br />
In 2004 we bought 14 properties. I am 31 years of age and have 30 tenants, 19<br />
properties, some bought for free and others with small deposits most of them<br />
with a “twist” as Hannes has taught us. We have built a very good passive<br />
income stream with what we have learned from Hannes. I have a tire business<br />
running from my own premises and am a sleeping partner with the majority<br />
shares in a micro-loan business. We have started a Laser hair removal business<br />
for Angela in 2003 and it is going well. I have since enrolled in the Mentor course<br />
and can’t wait for Fridays to learn something new. Thank you for a life changing<br />
opportunity.<br />
Kind regards<br />
CHARLES FULLER<br />
Monday, July 25, 2005 Charles Fuller<br />
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Dear Hannes<br />
I’ve started so many times writing my “success story” just to throw it away, as it<br />
just did not feel like “the” success story I want.<br />
I wanted to tell you about the online businesses I’m setting up, how I created<br />
money to pay for my Mentor Program, then used it as part of a share I bought in<br />
a property where we can already make a 200% profit before we actually have it<br />
on our name, but also that did not feel as if this is the story I want to share.<br />
Suddenly it struck me, the fact that everything I see, experience and new places I<br />
visit, I try and see if I can find a business opportunity, instead of feeling miserable<br />
and sorry for myself because I’m away from home again, that is my “success<br />
story”<br />
My way of thinking is “out of the box”<br />
I don’t think like an employee anymore, although I’m still in the formal work<br />
sector. This however will change as I’m well set and moving to my financial<br />
freedom number.<br />
With your Mentor Course, I could define my “end destination” the one thing that<br />
make all my goal settings, a reality. I could determine my motivation, the drive for<br />
my goals. <strong>The</strong> vehicle to reach my end destination will follow, as I get more<br />
matured in the way of thinking as an entrepreneur<br />
Thanks Hannes, you came over my path when I just did not know how, although I<br />
knew that employment was not the way I want to go anymore.<br />
Robert Kiyosaki from “ Rich dad Poor dad” showed me that passive income is the<br />
name of the game, and I’m grateful I’ve read his books, but it left me with a big<br />
question “HOW”<br />
Thanks again,<br />
Kobus<br />
Sunday, July 24, 2005 Kobus Portwig<br />
Hi Everybody<br />
This story is perhaps slightly different to most in that I cannot accuse Hannes of<br />
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eing my catalyst for starting my interest in property – that honour belongs to<br />
Robert Kiyosaki (Rich Dad, Poor Dad). But Hannes is much more applicable to<br />
South Africa and also much more practical.<br />
I was given a copy of Rich Dad Poor Dad for my 40th birthday back in September<br />
2000. Wow did it open my eyes – I realised that my high paying job in the Middle<br />
East was really just an excuse to buy gadgets, but in truth we had nothing to<br />
show for or three years earning tax free dollars. My engineering degree and MBA<br />
had got me into a highly paid life of extensive travel, being away from my family<br />
and doing work I disliked for a company I distrusted. Great huh! NOT!<br />
This prompted a rethink on what we were doing and when we returned to South<br />
Africa in December 2000 on holiday we looked for a property to buy. Not being<br />
experienced and on the premise of “a fool and his money are soon parted” we<br />
signed an over priced deal to buy a company that owned a block of 12 flats in<br />
Vereeniging. <strong>The</strong> banks required 30% deposit. <strong>The</strong> only way I could raise this<br />
was to get a new loan on my “fully paid for” townhouse and scrounging the<br />
remaining 70% from all other sources. We had bought ourselves a bag of<br />
problems – the block was prone to crime as it was the least secure in the area, it<br />
needed repainting, the maintenance was much higher than under the previous<br />
owner as they had simply not done it – pays to do your home work properly. After<br />
investing another R100000 in upgrading, maintenance and security I was cursing<br />
myself and Robert Kiyosaki, yet that was the seed and by looking at what we<br />
were doing we decided to invest in more property – buying 4 more townhouses in<br />
CCs over the next year.<br />
<strong>The</strong> CC seemed like a good idea at the time because of not paying transfer<br />
duties with the whole transfer process being much quicker. Pity that I did not<br />
know of the impending changes in legislation as we now I have 4 CCs that we do<br />
not require that will cost money to wind down. Still we do have the underlying<br />
properties and they have all been very good for us.<br />
In the meantime we had transferred the running of the flats to a different Estate<br />
Agent which immediately cut down on the maintenance costs. It became evident<br />
that we had been ripped off by the maintenance clerk of the previous managing<br />
agent as the main contractor doing the repairs was her boyfriend. Nothing that<br />
we could prove except to take heed of “Ver van jou Goedere, naby aan jou<br />
skade”. This together with time, improved condition and better management<br />
enabled us to turn the flats from cash negative to cash positive. All this was not a<br />
real problem until Feb 2003 when George W Bush did his thing. <strong>The</strong> insurance<br />
company of the American multi-national for which I worked would no longer<br />
insure western exports in Saudi and Bahrain and I was retrenched! No problem<br />
an Engineer with an MBA, multinational experience would get a job no problem –<br />
well I soon found out that I was simply too… Too White, Too male, Too over<br />
qualified (read expensive) Too little South African experience, Too much<br />
experience, Too old, Too young, Too far away from Johannesburg (we settled<br />
back in the Vaal Triangle), Too this, too that. Ouch, we were forced to live off our<br />
income from the property. In the meantime I resorted to consultancy to<br />
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supplement the income. I even took a contract in Sudan for seven months. This<br />
is not what I want to do – I hate being away from my family, and I no longer have<br />
the passion for engineering that I had when I was younger.<br />
In the meantime we looked for other properties buying two more townhouses<br />
directly from the developer using the company as the medium. I realised<br />
immediately that these were cash negative, but the deals were very good. We<br />
looked into the area a bit closer and realised that Sasol was undertaking some<br />
major expansion and that there appeared to be a shortage of high class<br />
furnished accommodation in the area – this led to the idea of furnished<br />
apartments targeting very specific large contractors – this has been great for us<br />
and after spending R60000 to furnish the units we have recovered our initial<br />
outlay and make a healthy profit each month. We are now in a stage that when<br />
the Sasol expansion project finishes these two townhouses will be cash positive<br />
even in an unfurnished state. Great. It inspired us to do the same with two more<br />
townhouses in a new complex that finished construction last year – problem –<br />
there is no longer the same level of demand and we could let out only one<br />
furnished – the other townhouse makes a loss. Not great! Net monthly cash flow<br />
– break even.<br />
We saw an opportunity to do “the books” for one of the Townhouse complexes<br />
where we have property and this has developed into a small business for us. We<br />
have also taken over the management of all our townhouses directly saving us<br />
a10% of the rental and allowing us to actively manage our properties. So far so<br />
good! <strong>The</strong>n, spotting a “good deal” we bought 3 more townhouses – but these<br />
are all cash negative - not a good deal if cash flow is your blood. Also I was<br />
starting to worry about interest rates rising. I knew that I was doing something<br />
wrong – but what? I was following Rich Dad Poor Dad principles (or so I thought),<br />
but things were still not right.<br />
However there have been other stories – we purchased some land with the eye<br />
of consolidating and developing 12 small townhouses, but in truth we do not have<br />
the experience or cash to develop – so following the first law of invest in oneself<br />
first we signed a deal with a developer whereby we sell him the rezoned land and<br />
will get a fully completed townhouse out of the deal. I have made extensive notes<br />
on the complete deal, seeing what he does and how he has financed it. PS the<br />
entire 11 other townhouses sold in 4 days. He too has employed great risk<br />
management strategies – another mentor in my life.<br />
<strong>The</strong>n In February 2005 I saw an ad for one of Hannes Dreyer’s seminars. I was<br />
alone in Cape Town on a consulting assignment so I decided to take a look – it<br />
was a way to pass another night away from the family – I had nothing to lose.<br />
Well – what excellent time spent – I now realised that I was on the right track, but<br />
I needed refinement. It was to be four months before we eventually attended the<br />
Property Pro workshop as I had to drag my wife kicking and screaming as she<br />
thought it was a waste for both of us to attend as she needed the time for running<br />
the property and it was expensive for both of us to go. My motivation was<br />
different – my wife and I needed to be exposed to different thinking and Hannes<br />
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was just the guy to do so. <strong>The</strong> Mercedes principle has been my missing link. <strong>The</strong><br />
workshop has inspired me to look at a completely different deal where I am trying<br />
to buy another small block of flats in Vereeniging using my primary residence as<br />
the source of funding but structuring the twists to ensure that the block is<br />
effectively free.<br />
Well we attended the workshop in late June and both of us realised the many<br />
mistakes we made – this has inspired me to take the Trust workshop on the 26th<br />
June and to start the Mentoring course. I am on week 4 and so far I have seen<br />
two different business opportunities at little or no cost to myself – the income will<br />
not be great, but the learning is immense and that is what it is all about. I need to<br />
replicate the system for my own products – watch this space! I have also seen<br />
the third business Hannes has created with the information he sells on prejudgment<br />
properties – what a great idea – now how can I replicate these<br />
businesses?<br />
Hannes has inspired me to focus on my passion – which is teaching and helping<br />
others – so I know what business I must create and how to market it. I still have<br />
some consulting contracts to complete and will only be able to start full time at<br />
the end of this year. <strong>The</strong> principle of tithing also makes sense as this really opens<br />
the mind to the abundant universe. My goal in this aspect is to be able to fund<br />
Habitat.org to build 100 houses over the next five years for people who can not<br />
otherwise afford their own.<br />
In summary – my success story has been discovered by accident but has<br />
enabled me to see my passion, realise where my mistakes are and open doors<br />
that I had forgotten about. <strong>The</strong> Mercedes principle is the risk management<br />
approach I was missing and the approach to governing your rate of growth is<br />
applicable not only to property but just about every business you can think of. It<br />
has inspired me to realise that I will need to slow down the rate of property<br />
acquisition, manage my cash flow better and build a sustainable property holding<br />
organisation that relies on more than time and inflation to keep it out of trouble.<br />
Part of my ambition is to teach people how to make a success of their entire life -<br />
and to this end I have created my own "Circle of Life" audit on a spreadsheet that<br />
I give freely to anyone interested. It has helped me focus on areas where I need<br />
to invest in myself. All you have to do is email me on charlesb@roundlife.com to<br />
get a free copy<br />
I still have an enormous amount of work to do but now have the fuel to drive my<br />
ambition, the expertise from which to learn and the desire to make it happen. Go<br />
Hannes Go!<br />
Sunday, July 24, 2005 Charles Barnard<br />
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Dear Hannes<br />
Just briefly, before I share my changes and successes, I would like to illustrate<br />
why I started attending your courses and enrolled in your mentor program:<br />
In 2002 my father (49y) was diagnosed with esophageal cancer. He<br />
subsequently, despite all surgical and medical interventions, passed away in<br />
2003 due to the aggressive and progressed cancer. It was the most terrifying<br />
time our family had ever experienced. <strong>For</strong>tunately my father was a fantastic<br />
person and we managed to spend his last months of suffering and pain without<br />
negativity, bitterness or anger. He lived his live to its fullest and although it was a<br />
terrible fate he had had inner peace.<br />
Over generations our family build up a paradise (inc. a beautiful residence with a<br />
great garden) providing us with a very privileged unique lifestyle. In the last<br />
months before my father’s death we analyzed the viability of our complex setup.<br />
We looked at alternatives - down grading, suitable changes etc. <strong>The</strong> estate<br />
requires a lot a constant input and hard work; it costs a fortune but it has<br />
incredible potentials. ‘Safe/ Easy’ alternatives meant losing what had been built<br />
up over many years and I didn’t feel comfortable with that at all. So we decided to<br />
challenge the situation full blast – it had direct implications on my future life<br />
options but it is definitely worth it.<br />
I decided that I had to invest in myself first, as I was studying medicine (4th year)<br />
and had elementary financial knowledge. I consulted banks, financial planners,<br />
brokers, friends in the financial and investment industry etc. etc. I was frequently<br />
approached by clever advisors with fancy plans to invest the money that had paid<br />
out after my father’s death. I soon realized an irritating commonality:<br />
1. the advisors usually had products/ ideas with mediocre growth, uncertain risks<br />
which could not be explained our defined clearly.<br />
2. <strong>The</strong>y usually hadn’t invested in the products themselves.<br />
3. <strong>The</strong> commissions and fees weren’t always obvious, but still most important to<br />
them.<br />
4. None of them was financially independent.<br />
I had a very conservative approach and knew I had to know more myself instead<br />
of distributing the responsibility.<br />
<strong>The</strong>n I saw one of your workshop’s adds I was immediately interested. At the free<br />
seminar I was instantly impressed with your confidence and passion, no<br />
nonsense attitude, the discretion towards negativity, your oratory skills and<br />
especially your concept of richness – the life of abundance in a balanced<br />
spectrum, not purely financially.<br />
Since my first workshop it has been 2 years and the following changes are<br />
partially or totally attributable to your influences:<br />
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1.Cycads:<br />
I liked your analogy with the palm trees and cycads to illustrate growth. In our<br />
garden we had many cycads that had become ‘uncultivated’ and at that stage I<br />
did not know much about them anyway. Today, I have a small private nursery<br />
with cycads of an estimated worth of R 70000.00. All the larger one’s were left in<br />
the garden – they look far more appealing than before; we use their seeds to<br />
pollinate and expand the ‘nursery.’ All the work is done for free on a continual<br />
basis by an experienced person as I could provide him with something that he<br />
needed that cost me nothing. I know much more about the plants and our family<br />
appreciates them more than ever.<br />
2. Family:<br />
My father’s death is a very challenging fate that our family has to deal with. My<br />
mother was widowed at a young age; my two younger brothers were still in<br />
school. <strong>The</strong> experience strengthened our relationships but it was not easy. Many<br />
things changed. However, since then we have set out clear family and personal<br />
goals (similar to the way that you put out a structure in the mentor course). My<br />
mother is doing much better (-enjoying life again), my brothers are excelling in<br />
the performances (academic, sport, studies etc.), I finished my studies in<br />
medicine, after having had to stop for 6 months after my fathers death (- to ‘take<br />
over’ the necessary responsibilities). We have committed ourselves to other big<br />
challenges and are improving constantly as we progress.<br />
3. Financially:<br />
We created passive income streams. All the existing problems with our tenants<br />
and problematic tenants were sorted out. Structures to manage the setup were<br />
improved and a far greater insight into growth, profitability etc. was established.<br />
I am forever working on our budget – but you can image that working out a<br />
budget for your mother is a delicate process…<br />
It is still far from perfect but at least it is constantly improving.<br />
My general goal here is to transform our setup that it can easily carry itself in the<br />
future, regardless of it being surrealistic or not.<br />
4. Relationship:<br />
Most importantly with my girlfriend – the last two years were very stormy. She<br />
supported me incredibly through my tough times - unfortunately I was unsure of<br />
many things at that stage and did not treat her with the respect and love she<br />
deserved. My ‘problems’ camouflaged her greatness and my actions were<br />
subsequently often wrong and unnecessary. Regretfully she had a terrible<br />
accident last year – breaking her femur in a freak incident, immediately changing<br />
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her life as a professional athlete overnight! That accident was a turning point in<br />
our relationship – since then everything changed overnight. We have always had<br />
a very strong bond but it wasn’t easy. <strong>The</strong> collision put us in a totally different<br />
class of relationship. Since then we have enjoyed every moment with total<br />
confidence; we have set out our goals and changed our rocky relationship into a<br />
truly wonderful one!<br />
5. Personal:<br />
During the period of uncertainty I resorted to some class 3 experiences. I<br />
intermittently allowed my ‘class 3 experiences to run’ in an attempt to ‘lessen the<br />
burden of responsibility’ or to encourage some spontaneity – it seems very silly at<br />
this stage but it happened and it surely had enough negative repercussions. I<br />
have cut the class 3 experiences out of my life, I’m back in a daily training<br />
routine, I finished my medical studies with >70% avg., my relationships have<br />
improved, my time management improved and clear personal goals were set out.<br />
Conclusion:<br />
Your courses and mentoring have had definite changing effects on my life and<br />
our family dynamics – I haven’t made millions yet, but I am surely building a<br />
basis to live a life of abundances – abundance in all aspects. Please keep up the<br />
great work!<br />
Thank you kindly,<br />
Anton Moolman<br />
Sunday, July 17, 2005 Anton Moolman<br />
Dear Hannes<br />
Am so grateful in finding an eye open, I have never believed in investing money I<br />
have always made money and consumed then I had to wait to get a job make<br />
money and spend and each time I had money in my account I would look for a<br />
project to take risk in developing it with off course its completion<br />
thanks teddy<br />
Tuesday, July 12, 2005 Teddy Avolo<br />
Hannes<br />
Thank you for opening my eyes and realizing something is wrong in my life. With<br />
the help of you’re mentoring I can change and make a success of my life.<br />
I have not bought anything as yet but realize that I need to change the way I act<br />
and think in life. I will be following the course very closely and start acting on<br />
ways to change.<br />
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Regards<br />
Mark<br />
Monday, July 11, 2005 Mark Webber<br />
<strong>The</strong> first investment property I bought, gave me a great sense of achievement<br />
and assurance that I was well on the right track towards changing my<br />
circumstances, and an eventual success. I then looked for more, and set the<br />
process of acquiring four, more, in motion.<br />
Robert Kiyosaki assured me further (in Rich Dad Poor Dad) that property was<br />
indeed one of the vehicles one could use for wealth creation. He also<br />
recommended Seminars and workshops (for one’s own development). I did not<br />
know what a seminar was (I even looked it up in the dictionary). But I also<br />
thought why would I consider anything like that, since I did not need to become a<br />
professional in Real Estate?<br />
My curiosity about seminars and workshops lasted until I saw a small<br />
advertisement of a free seminar in the news paper by Hannes Dreyer. I did not<br />
Know Hannes; I then went into his website in preparation for the seminar. I<br />
attended, and my experience of the seminar was shocking. To be frank, I got<br />
very, very scared to realise that ignorance is like a terrible disease that also has<br />
a deleterious effect. On that very day I made a decision to take the opportunity<br />
that Hannes is capable of offering, to learn as much as I can from him. I have<br />
attended his workshop- which I call the master course because it does not<br />
compare with any other course I ever attended, well for myself anyway; I have<br />
his software programs that are specially tailored; and I am on his mentorship<br />
program.<br />
If I had not come across that advertisement in the newspaper, I would have<br />
saved/invested myself into a hole. My encounter with Hannes is helping me to<br />
manage and reverse what would otherwise be suicide in the making.<br />
Thank you Hannes<br />
Tšeliso<br />
Monday, July 11, 2005 Tseliso Mokeke<br />
I have had a few milestones in life, just like every other human being has, I<br />
suppose. I had a good career and enjoyed all the successes and did climb up the<br />
corporate ladder.<br />
I did get caught up on the false securities of a well paying job, and thought I was<br />
it. I had read Robert Kiyosaki’s "Rich dad, Poor dad" and thought I understood<br />
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the definition of passive income build up. Now I know that I understood very little,<br />
if at all. I had begun reading S. Covey`s "<strong>The</strong> seven habits of highly effective<br />
people". Now I know I had never internalized these concepts.<br />
<strong>The</strong>n 3 years ago, disaster struck. I lost my job. Though I managed to be paid a<br />
severance package, I was left devastated. I felt let down. I "parked", now I know<br />
better, my package in an investment house, entrusting "the experts". Literally<br />
handed it over to the experts. I learnt the hard way how little a million is, if you<br />
intend to derive passive income from it. <strong>The</strong> money, interest earned, wasn’t<br />
enough to keep the fires burning at home.<br />
My struggle/ failure to adequately provide for the family led to frustrations and<br />
deterioration in the relationships. It was tough. I felt "oh now that I don’t have<br />
money, I deserve to be kicked out?”<br />
I used to see the caption following other vehicles from behind without much<br />
notice, "When days are dark, friends are few". I experienced it. Even those you<br />
felt are so close to you tended to desert you when you are down. One of my<br />
daughters had to be removed from a private school to one costing less. My self<br />
esteem took a knock. I fell into depression. I felt worthless.<br />
<strong>The</strong>n one day the lights began to come back. I remembered my library collection.<br />
I began to read to understand and to apply. I took responsibility of my life and<br />
more importantly my money. I took out all my money from the experts and bought<br />
my first business. I used my work experience to set up control systems. Things<br />
started to fall in place. I trained my manager and staff. <strong>The</strong> business took care of<br />
putting food on the table and getting every one clothed and kids going to school. I<br />
was able to generate a little surplus.<br />
I began to look for ways to build assets that were going to help me receive<br />
passive income in the future.<br />
I knew then like I know now that I am worth more than this. I invested in myself in<br />
many ways. I am an active investor in JSE, having done a course in same. I am<br />
building my other business in network marketing in ICI.<br />
At the time I already knew that only three classes of assets can make one<br />
financially independent, property, business and shares.<br />
My idea, strategy if you like then, was to start with shares, and then business and<br />
property last. My biggest fear then, to decide on this route, was because I was<br />
trapped in the doctrine that "one needs to build up capital first" in order to afford<br />
their down payment for property. Now I know better, thanks to you Hannes. It<br />
never occurred to me that it is possible that one "to make money one doesn’t<br />
need money". I had heard and read about it but I guess I never believed it, so I<br />
never internalized it. Now I do, and thanks again to you Hannes.<br />
My connection to my mentor, Hannes, was through a friend. He saw the seminar<br />
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advert in the Times one weekend. He and I belong to a small club of people who<br />
want to make a difference in their lives and become rich. He said, "This one we<br />
are attending". We went to the seminar and two or three weeks later we attended<br />
the one day workshop. I don’t know about my friend, but as for me I have not<br />
been the same since.<br />
Immediately we came back from the workshop I helped the group to come out of<br />
a bad property deal we were about to conclude.<br />
I did not have the money to pay for both workshop and mentorship programme. I<br />
was already on an exercise to cut down on my expenses and was close to zero<br />
balance on my credit card. I had a thought crossing my mind. I started thinking of<br />
all the gadgets I had bought using the credit card, and I was like, "this is one<br />
course that will change my life forever". I charged it and you know what I have no<br />
regrets.<br />
I subscribed to the mentorship programme. I am learning a lot. One step at a<br />
time. Thanks for the warning that I shouldn’t jump start the investments but to<br />
take time to learn and master the trade first. I would have already started.<br />
I am on week 4 on the mentorship programme now and boy, am I enjoying it.<br />
Whew! This is great! <strong>The</strong> difference is that Hannes is a master in reality. He<br />
doesn’t talk much theory but life itself. This is the first course I have enrolled in<br />
and enjoying every moment. Always looking forward to Friday updates. I am<br />
enjoying every moment of the ride.<br />
I am still struggling with the wealth game though. I guess that is because I still<br />
have a lot to learn, understand and internalize on property. You know what the<br />
game is so real. I do get jitters each time I log into it. I will improve very shortly.<br />
To me, the mere knowledge that I am getting better by the day, the knowledge<br />
that I will be able to provide for my family in a better and more abundant way<br />
tomorrow than today is the most gratifying aspect of the whole exercise.<br />
I am enjoying learning how to keep a balance in my life.<br />
I am improving in taking care of my physical body, and beginning to eat healthily<br />
and started exercising.<br />
I am building my relationships, socially, with those close to me.<br />
I am constantly getting myself challenged, expanding my knowledge. Getting to<br />
utilize and use more of my brain each day.<br />
I am beginning to learn, know and to get closer to my creator.<br />
You know what! My family is beginning to witness these changes!<br />
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I am growing inside out. I am connecting with and influencing in a very positive<br />
way a lot of my friends.<br />
Words can not be enough to thank you Hannes. Keep up with your unselfishness<br />
and continue sharing with us your experiences. I know I am talking on behalf of<br />
many when I say, we appreciate it. I am learning and modeling myself around<br />
you. God bless<br />
Saturday, July 09, 2005 Arlindo Tembe<br />
Trust yourself. Create the kind of self that you will be happy to live<br />
with all your life. Make the most of yourself by fanning the tiny,<br />
inner spark of possibility into flames of achievement<br />
Foster C McClellan.<br />
Hannes,<br />
Greetings and thanks for all the incredible advice and motivation. Success is<br />
sometimes very difficult to gauge because it varies from person to person. <strong>The</strong>re<br />
is already so much in life to be thankful for and in today’s time, just having a<br />
happy together family today is a success. It is ironic though, that a lot of people<br />
have lost the happy together family because of the pursuit to be successful.<br />
Success is a balance between what we need and what we want. Yes, this differs<br />
from person to person, but I firmly believe that you are teaching and showing us<br />
that our successes must be planned and must not be at all costs.<br />
I have never regarded myself as an "in the box thinker" but after attending the<br />
seminar and the one day workshop, I realised that I was not as far out of the box<br />
as I thought I was. After the first 6 weeks of the mentorship programme, I<br />
became despondent because it seemed like I was still in the box. Your lessons<br />
are incredible and I have become your number 1 fan. Not because I am hoping<br />
you will make me a millionaire, but because you have highlighted areas of my life<br />
that require a lot of work.<br />
My wife and two sons now get to see a lot more of me because I have put some<br />
of your lifestyle suggestions in place.<br />
I have also benefited from the property investment information you give to us.<br />
Without going into too many details, I have purchased 2 properties, each which<br />
have an IRR of 242% in an area that has a capital growth rate of 45% per<br />
annum. <strong>The</strong>y both have sub-division possibilities which will further enhance the<br />
value. This was the 2nd property I purchased since getting to know of Hannes<br />
Dreyer. Hannes Dreyer has shown me that the 2 previous properties I purchased<br />
were "bad buys" - but I have since made them better.<br />
Hannes, I thank you greatly for making yourself available to help people like<br />
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myself, and the many others who have invested in themselves by being part of<br />
the mentorship programme.<br />
My Friday’s are not the same anymore as I wait in anticipation for the update.<br />
Thanks and God’s richest blessings to you and your family.<br />
Mark Byrne<br />
Thursday, July 07, 2005 Mark Byrne<br />
In almost every weeks lesson I see the words "Invest in yourself". This phrase<br />
has taken on an entirely new meaning to me.<br />
My story is not entirely the same as all the rest . . . it does not involve great<br />
wealth, hundreds of properties or any of the other phenomenal success stories<br />
which I have read.<br />
It is a story of my own personal journey and the motivation and the self<br />
confidence which I have received.<br />
A couple of years ago I started my "professional" career and in that process I<br />
started picking up weight due to a number of factors, non less important than my<br />
own excuses. I went from a lean 65kg to a paunchy 81 kg frame. I became<br />
sluggish and constantly tired. Weekends were spent lying at home due to lack of<br />
energy and motivation.<br />
Since joining this mentoring program I have discovered the truth which lies in<br />
"Investing in yourself". I have joined the gym, my weight has already dropped to<br />
75 kg, my body fat index dropped and I have gotten out of the rut which filled my<br />
every weekend.<br />
My wife and I recently purchased our first property at the coast and plan to make<br />
this the start of our future freedom. I have also started my own online store<br />
www.AGCigars.co.za which has proven a success by bringing me income<br />
without me working more that 30 minutes on it a week.<br />
Thank you Hannes for being a mentor!!<br />
Wednesday, July 06, 2005 Stephan Gilbert<br />
Myself and my husband went to Hannes's workshop in Aug 2003.I was very<br />
excited after the workshop, but things moved to slow for me. I thought I was<br />
doing the sums wrong or my calculations to conservative. Frustration start setting<br />
in. How could Hannes buy 46 properties in 6 months when I can't buy one? <strong>The</strong>n<br />
I worked through the manual and realized I was looking for property while I<br />
should be looking for motivated sellers.<br />
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In Oct 2004 we bought our first property for R480 000, a house with a cottage<br />
and an adjacent empty stand. We divided the house into two units and the overall<br />
rent is R8200.00 per month, which gives us an infinite return. We busy building a<br />
prefab house on the empty stand, which cost us an extra R50 000, and will<br />
increase the rent with R4000.00 p/m for a total rent of R12 200 p/m.<br />
<strong>The</strong> lesson learned is keep on reviewing the information that Hannes gave us<br />
and be patient.<br />
Tuesday, July 05, 2005 Ronel Burger<br />
Hannes and Fellow <strong>Wealth</strong> Creators.<br />
I have just finished watching the Advance Refresher course for the second time<br />
now. Every time I have watched it, it inspires me to become better and better.<br />
What have I learnt from Hannes? Let me quote a phrase "In any contest between<br />
power and patience, bet on patience." - W. B. Prescott. That is why I now fully<br />
believe in investing in yourself. I have attended your Property Pro advance<br />
Refresher course and will soon attend your Trust course also. With all this<br />
knowledge and the power on how to use it. I will become a very savvy<br />
Investor/Entrepreneur. I now do not believe anybody who just blurts out facts or<br />
figures on property. Why because I have to do the calculation and the necessary<br />
homework before I know it is a good or bad deal. I am so glad that I read the<br />
Sunday Times and saw your advert it has changed my life for ever and for better.<br />
What I knew 5 years ago about property and what I know now after Hannes`<br />
courses. I can NOW SAY I AM A PROPERTY INVESTOR. Thank you Hannes<br />
for getting me to think out of that box.<br />
Monday, July 04, 2005 Louis Teixeira<br />
Hi Hannes,<br />
We first met at your Pretoria workshop in February where I asked you about the<br />
wisdom of making a bulk offer for PIP`s from the bank. Your brief answer to "do<br />
the calculation and follow through" prompted me to act as such. My goal had<br />
been to make a million by August this year from the sales proceeds and roll that<br />
over into development property for my R10m goal next year October. Well, its<br />
July now and following your advice I bought 7 properties from one bank at the<br />
beginning of March, got bonds for all of them from another, rented them out to<br />
service the bonds while looking for buyers for the properties and as I speak I’ve<br />
sold 6 and expecting registration as well as my R1.2m at the end of August!!!<br />
All I spent initially was on eviction costs for illegal occupiers and on security<br />
which I recouped by processing the evictions as "attach and remove" so in<br />
essence I paid nothing. Next I need to learn how to avoid or minimize tax on the<br />
profit made.<br />
Many thanks for galvanising me into action as indeed I believe most of the other<br />
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attendees surely were and I’m looking forward to being on your mentorship<br />
programme.<br />
Regards,<br />
Ndaba<br />
Friday, July 01, 2005 Ndaba Kgaka<br />
I have been working very long hours for some years now trying to make ends<br />
meet. <strong>The</strong> harder I worked the more I earned, but it never seemed to be enough.<br />
I had to find a way to earn passive income, but did not know what or how. I was<br />
spending less and less time with the family and the things that really mattered in<br />
life. I had not taken leave in 7 years! My life was spinning out of control!<br />
I was given the book Rich dad, Poor dad to read about 12 months ago and this<br />
started my new journey. Since then I have done several property courses and<br />
have done a lot of reading on the subject. My wife joined me on your day<br />
seminar. We are now on the same wave length and together working at new<br />
goals for our lives.<br />
<strong>For</strong> me this journey has been a paradigm shift and I am really enjoying it. We<br />
have put a target in place to have a minimum of 10 properties in 5 years. To put<br />
a family trust and a property trust in place and to work at more and better family<br />
time.<br />
In November last year I took the first leave in 7 years (11 days away from home).<br />
I purchased my first two properties in a new development. (<strong>The</strong>y have gone up in<br />
value by more that R60 000 each and have not cost me a penny). My family trust<br />
and property trust have just been registered (in the process of opening the bank<br />
accounts – FICA making this rather painful!) As soon as the bank accounts have<br />
been set up I will be making use of the NPO site to find sellers in need.<br />
I have come a very long way in the last 12 months and am daily looking forward<br />
to the journey I have started.<br />
Thank you Hannes for sharing your success story, the mentor program is having<br />
a major impact on my life, the foundation has and is being laid, and the road<br />
ahead is exiting!<br />
Friday, July 01, 2005 Thomas Kromker<br />
Hi Hannes<br />
Ek het die kursus verlede jaar saam met my ouers gedoen en ook intussen tyd<br />
jou advanced kursus.<br />
Ons het daarna die pad saam begin stap en aangesien ons almal saam by `n<br />
besigheid betrokke is, is ek die een wat nou meer tyd aan die eiendomme<br />
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estee. Daar is nog `n lang pad en BAIE om te leer. Ek is nou 27 en dit wat jy<br />
alreeds vir ons gewys het is van onskatbare waarde.Intussen het ons 2 huise in<br />
Potch gekoop wat albei studente huise is asook `n woonstel wat homself totaal<br />
en al van dag 1 af betaal het. Onlangs het ek deur van jou tegnieke gebruik te<br />
maak ook `n huis vir my en my vrou aangeskaf waarvoor ek R100 000.00 minder<br />
as markwaarde betaal het. Die moontlikhede is legio en dit is alles so opwindend<br />
om daagliks nuwe tegnieke en begrippe te leer.<br />
Dankie vir wat jy met ons almal deel so onbaatsugtig.<br />
God se seen.<br />
Jannie van der Merwe<br />
Friday, July 01, 2005 Jannie Van Der Merwe<br />
Hi, I am Flip Kotze, and my story is as follows:<br />
I thought that I was one of the fortunate ones who was making a lot of money in<br />
the IT industry (I thought it was a lot).<br />
However, two years ago, I was dragged off by a friend to see the presentation of<br />
Hannes Dreyer one evening. (he does not know how good a friend he really was<br />
for doing so)<br />
At the Presentation, Hannes showed us a number of possibilities, techniques,<br />
and things to keep in mind when you invest in Property. At first I was sceptical,<br />
but as the evening continued, I realised that this was no story, this was reality!<br />
I started getting excited and the next day started searching for properties.<br />
I did not have any extra money to pay for a property (I was spending it all on<br />
living my "good" life) However, in the next few months I managed to find two<br />
properties and being very careful, I managed to finance them through the bank<br />
without any of them costing me any money. <strong>The</strong>y are both returning enough to<br />
pay for their own bond repayment as well as their Rates and taxes. (and I get<br />
R500 a month in my pocket) During the past few months I have managed to save<br />
enough to do the Full day course with Hannes.<br />
This really blew my mind away. I have since changed our lifestyle, I have been<br />
building a Flatlet in my backyard and I have been able to reduce the bond<br />
repayment of my own house out of my own pocket to less than 50%!<br />
I have applied Hannes` principles of the Mercedes Principle and also ensured<br />
that my properties are at no risk for a 2 year period of very high interest rates!!<br />
And then the inevitable happened! I was Retenched!<br />
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If I had not payed attention to what Hannes was saying, I would have been<br />
devastated at this time, However, Hannes has taught us to think out of the box<br />
and I am currently working on a deal that will provide me with a residual income<br />
that will be more than my salary was before and I am not going to spend any of<br />
my own savings to do so.<br />
Thank you Hannes, you saved our lives...<br />
Please continue to help others as selflessly as you are doing, this is more I can<br />
express gratitude for...<br />
Friday, July 01, 2005 Flip Kotze<br />
I am employed in the financial services industry since 1988. I consider my self<br />
educated in tax, investment advice and the pension business. (So whoopee) I<br />
know about money and the cost of delay. I have been educating clients about the<br />
cost of delay for years.<br />
Should one want to invest for retirement and delay that decision, the effect of the<br />
end result is disastrous. It cost you dearly.<br />
I want to bring that closer to the cost of delay in investing in your self. I have<br />
delayed so many times to invest in my self. (Time is precious and you can never<br />
ever catch up)<br />
So here I am beating up my self, and have negative inner self talk asking<br />
questions? Why have I not started earlier? Why do I delay? extra.<br />
Now you would argue - what does that have to do with a success story.<br />
My success story is I have started to invest in my self. I am the only person who<br />
can make things happen for my self. It’s never too late.<br />
Even Eagles need a push - to leave the nest.<br />
Wednesday, June 29, 2005 Henry Simpson<br />
Hello Hannes<br />
I came across your "free seminar" ad sometime in February 2005 and looked<br />
forward to this Tuesday evening so much I was literally counting the days.I<br />
cannot be sure as to why I was so excited to attend at the time but in retrospect I<br />
was looking for answers.<br />
I am 56 years old, married second time round, and a frightened person for my<br />
future as I have not put any plans for retirement into place.<br />
After attending your free seminar, which I enjoyed thoroughly, I was undecided<br />
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about attending the property school course or your mentoring program, but the<br />
enthusiasim with which you presented your seminar I just felt sure that you had<br />
gems of wisdom to impart and I am so glad I did.<br />
I look forward each Friday to the next lesson to follow, I spend evevnings in the<br />
week going over and over previous lessons trying to digest all the information.<br />
<strong>The</strong> material is simple down to earth common sense but the there is an<br />
underlying thread, of, I want to use the word goodness that makes just reading<br />
the material a class 1 experience. You can feel that it is good for you!<br />
<strong>The</strong> main thing that I have found the hardest to face is Taking Responsibilty for<br />
yourself.This is the best piece of advise anyone can give another, and the words<br />
are easily said, but the action is hard.<br />
When you face the truth about all aspects of your life and you know you MUST<br />
change and move out of ones comfort zone then the fun begins.<br />
That is where I find you are helping so much as mentoring is not about telling<br />
eveyone what to do , but giving the knowledge on how to do yourself.<br />
I know and can feel I am changing slowly. I have started being more aware of<br />
how to spend ones time productively, have a more enquiring mind to learn more<br />
about investing in the property market, and all these positives have come from<br />
attending a Hannes Dreyer seminar!<br />
This sounds silly, but there are times when I wish you were my next door<br />
neighbour and you & I could spend long hours talking about investing in property.<br />
I know I would be your top student!<br />
Enjoy your time in Mauritius , when you sow good seeds , you receive top<br />
rewards.<br />
Tuesday, June 28, 2005 Lindsey Dallas-Orr<br />
SUKSESVERHAAL<br />
‘n Groot ideaal in die lewens van my en my vrou was om ons kinders ‘n opleiding<br />
te gee wat by hulle aanleg en vermoëns pas. Toe dit bereik is, het ons volgende<br />
ideaal ontstaan, naamlik om rondom 60 finansiëel onafhanklik te wees. Daarmee<br />
saam het die vraag ontstaan: “Waarmee hou jy jouself sinvol besig as jy dit<br />
eenmaal bereik het?”. Hierdie vraag het al hoe dringender geword namate die<br />
bereiking van die finansiële onafhanklikheid nader gekom het.<br />
Langs die pad het ek begin belangstel in die belegging in eiendom. Nadat ek<br />
reeds enkele eiendomme gekoop het, het Hannes se advertensie in die koerant<br />
aanleiding gegee tot die bywoning van sy Property Pro kursus. Die kursus en sy<br />
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ekenaarprogram het nuwe insigte gebring en die proses na finansiële<br />
onafhanklikheid vergemaklik. Die bogenoemde vraag was egter steeds<br />
onbeantwoord.<br />
Toe die mentor kursus geadverteer word, het ek na baie wik en weeg besluit om<br />
‘n maand of twee te probeer. Min het ek geweet watter nuwe wêrelde daardeur<br />
vir my sou oopgaan. Tydens die tweede maand was ek reeds so beindruk, dat ek<br />
die eenmalige fooi vir die res van die vyf jaar betaal het.<br />
Een aspek, naamlik dat alles in die lewe nie net oor geld gaan nie, is vir my uiters<br />
belangrik. Die absolute deurbraak was dan ook die verduideliking van die<br />
Dynamic Lifestyle Management System en die Wheel of Life. Dit is werklik van<br />
toepassing op elke mens op aarde. Die uitdaging wat Hannes aan homself gestel<br />
het om minder as R1000 in vyf jaar na R10 miljoen te vermeerder was die<br />
inspirasie vir my volgende doelwit.<br />
My volgende doelwit is om ‘n trust vir liefdadigheid te skep, waarin ek<br />
eiendomme koop (met so min as moontlik geld van myself), waarvan die<br />
opbrengs vir liefdadigheid aangewend word. Dis mos ‘n uitdagende ideaal om<br />
jouself sinvol besig te hou wanneer jy eenmaal finansiële selfstandigheid bereik<br />
het!! Meetbare doelwitte vir hoeveel en wanneer wil ek stel wanneer ek enkele<br />
maande verwyder is van finansiële onafhanklikheid.<br />
Die definisie van ‘n avontuur is om met iets te begin, waarvan jy nie weet hoe dit<br />
gaan afloop nie. Die mentor kursus van Hannes is beslis ‘n avontuur. Dis<br />
prikkelend en uitdagend en laat jou telkens nuwe vergesigte sien. Buitendien is<br />
dit baie goed vir jou finansiële en geestelike gesondheid. Dankie, Hannes, dat jy<br />
bereid is om jou ervarig en wysheid met ons te deel!<br />
Hans van Driel<br />
Monday, June 27, 2005 Hans Van Driel<br />
Hi Hannes<br />
Although I have e-mailed you before (with long stories), this is the first time I’m<br />
putting a story on the internet. <strong>The</strong> reason is that I DO want to share with people<br />
what a wonderful contribution you are making to educating and helping anyone<br />
who is willing to learn and invest in himself.<br />
I have just finished reading Pieter van Koegelenberg’s story of 20/6/2005, where<br />
he shares how doing the property course and mentoring program has even<br />
helped him in his marriage, and his communication with his wife has so<br />
drastically improved.<br />
Well, I want to thank you for your mentoring program, because you are the only<br />
one who “understands” me now and with whom I can communicate on the same<br />
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level. My family and friends think I am crazy, or even downright stupid with the<br />
things I am now involved in. I am not the “successful” one, because I do not have<br />
a high paying job like they have. I don’t actually want one! I want to come to grips<br />
with wealth creation through property investing and all the other skills you are<br />
teaching us on this program, because I intend to get to the place of being a<br />
millionaire within the next 5 years as well!<br />
So that brings me back to Pieter van Koegelenberg – he has his wife to talk<br />
things through with, but I was widowed in 1996 with 2 young children to raise and<br />
a small inheritance to look after, but I did not know how! I was scared! Why?<br />
Ignorance! “People perish for a lack of knowledge” (Applied knowledge!) I fell<br />
again into the education trap, the handing over of my money to other people trap<br />
etc, etc, etc – all because we are not EDUCATED properly when we are young,<br />
and big business feeds on people’s ignorance and fear.<br />
In my search to find a way out of that situation, I am so glad I finally found your<br />
Property School and now I have you and Tanya and everybody on the mentoring<br />
program, to “talk” to via the internet and e-mail! And even in person at<br />
workshops!<br />
I am so glad I found you and your team, because I was actually praying and<br />
wishing that I could find a mentoring program locally, having found one in the<br />
USA, but it was not really a practical situation for me. I wanted a good old South<br />
African flavor. So as you have mentioned a few times, when your are searching<br />
for answers, your brain and subconscious will eventually lead to find them!<br />
(Actually, I believe God directs my steps!)<br />
Meantime, it is so good to look forward to Fridays, when I can download the next<br />
lesson to work on, to hold onto that “helping hand” to financial freedom and<br />
success.<br />
Monday, June 27, 2005 Angela Carlson<br />
Osmosis<br />
<strong>The</strong> average estimate themselves by what they do, the above<br />
average by what they are<br />
Johann Fredrich Von Schiller.<br />
isn’t it amazing, it seems society does not teach the important things in life to<br />
children or even really guide them or point them in the right direction. Every once<br />
in a while when my kids were “shocked” that I knew something and wanted to<br />
know how I knew, and I couldn’t explain, I’d simply say “I learned it by Osmosis!”<br />
I remember having “guidance” or “youth preparedness” classes at school, which<br />
were a complete waste of time. On the odd occasion when these classes were<br />
not simply used as a free period (wasted time), there were the few occasions<br />
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when the discussion revolved around “What do you want to be when you grow<br />
up?” Mostly everybody wanted to be something that would be a high-paying job<br />
or profession. Nothing was taught about entrepreneurship. I think that word could<br />
definitely only have been invented recently! Perhaps our educators thought it<br />
happens by OSMOSIS!<br />
Nothing was taught about finances, goal setting, vision, mission, dreams,<br />
freedom, wealth, investment, buying property etc. (This has changed somewhat<br />
in recent years)<br />
Hannes, thank you so much for teaching us these essential skills on your<br />
mentoring program. You keep stressing that it is essential to have goals – to<br />
keep them at hand at all times. One does not learn these things by OSMOSIS,<br />
but by constant application.<br />
<strong>The</strong>re was only ever one occasion in my life (when I was still at school), where I<br />
consciously set a goal I wanted to achieve - I wanted to make the provincial<br />
squash team to compete in Rhodesia). I did it and was the number one player in<br />
the team, having only started playing at the beginning of that year!<br />
How sad that I didn’t cotton on to the formula, that whatever you want you can<br />
have as long as you set yourself goals and follow an action plan AND STICK TO<br />
IT!<br />
<strong>The</strong> world is harsh and nobody will really ever help you. Each person must take<br />
responsibility for their own lives, their actions and financial decisions. Thank you<br />
for teaching us how. Thanks for helping us take the “risk” out of the situation by<br />
taking “calculated risks”. Do the calculation – get the IRR.<br />
It doesn’t happen by OSMOSIS!<br />
Monday, June 27, 2005 Angela Carlson<br />
My story does not have the "big deal’s success" but I know that I am a success. I<br />
had last year made a major career change after twenty years in a field of work.<br />
Where I struggled every month with financially desperation. I was one day asked<br />
the question, if there was more to my life than what I’m living? A deeply troubling<br />
question that got me thinking.<br />
So I decided to act upon it and resigned. Took my meager pension and started<br />
my own HR Consultancy. Working for oneself is different to receiving a<br />
paycheck. I had also separated from my wife and instituted divorce proceedings<br />
last year. Did not know how to turn my debt problems around, get my name "unblacklisted".<br />
I chose 2 months ago to live a life that spoke of true blessing in life. I was going<br />
to sow the seeds that spoke of the harvest I desired to achieve. I am at present<br />
re-united with my wife - I had asked her to return. I am sorting out my debt<br />
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problems to never again make bad debt. And even more importantly I’m on the<br />
mentoring course to be mentored for greater success.<br />
Everyday I wake up and am thankful to God for the blessing that I’m working for<br />
myself even when my coffers are empty and there are no future clients. My<br />
success has firstly started in my soul! And I love the taste.<br />
I have no clue as to how I’m going to set in motion the purchasing of property<br />
that everyone speaks of on the site. My biggest dream is to be wealthy to provide<br />
my family with our own home, keep driving my old sentra so that I can purchase<br />
my own aircraft and to then give my wealth away to missionary friends; who need<br />
it more for Gods work.<br />
My success is that I am beginning grow gardens in the desert. No deals yet, just<br />
doing the impossible. So my success will take a bit longer as does the<br />
impossible. Yet the taste is so strong it is as if it is just around the corner.<br />
Reach for the real life that you were meant to live. May our success stories<br />
continue to encourage each other?<br />
Saturday, June 25, 2005 Colin Lee<br />
Hallo Hannes<br />
<strong>The</strong> story I submit today is actually a tribute to you as I can never in monetary<br />
terms repay you and even if I could I do not think that this will have an effect on<br />
you at all, however I think you deserve to know how your unselfish act of sharing<br />
your success, you DLMS, and the path you walk daily with us, affects other<br />
peoples lives. In the past I would not have shared this story, as it was always a<br />
habit of mine not to share information about times in my life when things went<br />
really bad. <strong>The</strong> fact that you shared your ‘failure” at university with us, made me<br />
realise that the shame is not in falling, but in not getting up and taking<br />
responsibility. In writing this and sharing my story, already gives me a positive<br />
growing experience.<br />
When I first saw your advertisement in the newspaper, I was in the process of<br />
abandoning the dying horse. I normally do not buy the Sunday newspapers, but<br />
that specific day I bought the paper to see what kind of jobs are currently<br />
available in the corporate world. I have worked for fifteen years in the corporate<br />
world and made many sacrifices in order to be able to leave my cosy well paying<br />
job, move to the countryside and live my dream. What I did not bargain on was<br />
that everything that I have built up in those years would be lost due to a natural<br />
disaster within a few hours one day. After the disaster, while everybody was still<br />
trying to come to terms with what has happened, as usual, we jumped up and<br />
started rebuilding our lives. This time around nature was against us, however<br />
hard we tried, we could not get the pristine property, farm and business to its<br />
original condition. Where we had a racehorse in the past, the after-disaster horse<br />
was very mediocre and soon I realised that we were sitting on a dying horse... By<br />
the time I spotted the advertisement, we have decided to move back to the city<br />
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and start working on our future again. Normally I would not respond to such an<br />
advertisement as most of them are some or other get rich quick scheme, but<br />
there was something that made me say, well let’s try this, we have nothing more<br />
to loose!<br />
Looking back now, I have to admit that we were on the brink of depression.<br />
Although this is not something that anybody would associate with us, I guess<br />
there is only so much that one person can deal with, and the odds were against<br />
us for so long.<br />
<strong>The</strong>re are so many aspects of your teachings that I can relate to, and I love the<br />
logic of it all. <strong>The</strong> one thing that made me jump for joy and change my life forever<br />
is PASSIVE INCOME! Wow!! I never new it can be so simple … Passive Income<br />
gave me a new lease on life.<br />
Since the advertisement, I have successfully convinced all involved parties that<br />
the horse is dying and to start over. I have applied as much as I could internalise<br />
from all your teachings to work on a passive income for my future and that of my<br />
family. I need to close just the last chapter in the burial of the dying horse and my<br />
family and I will start aggressively pursuing my/our goals. <strong>The</strong> keyword and the<br />
gate to our future will be the fact that we can earn passive income and buy<br />
properties for free!! Thank you for sharing your knowledge, your DLMS and your<br />
secrets with us. It takes a really special and gifted person to give so much to<br />
strangers and to do it with so much passion!<br />
Actively pursuing passive income whilst learning to work the process over and<br />
over again. Thank you for giving us hope … God bless!<br />
Ester Wiid<br />
Saturday, June 25, 2005 Ester Wiid<br />
Dear Hannes<br />
I attended your introduction seminar to Property School earlier this year. After the<br />
seminar I approached you and said that I will be one of your success stories.<br />
Well, here goes:<br />
Background:<br />
I am 29 years of age. I studied a 3 year course in Winemaking at a College in<br />
Stellenbosch after school and worked 4 years as a winemaker, mostly in France,<br />
California and South Africa. I decided to further my studies in Winemaking at<br />
Stellenbosch University (4 years fulltime). In my Second year at Varsity I tried to<br />
start a wine export business. I lost a bit of money and it did not work. My second<br />
business was in selling of export information to wine exporters. It really worked<br />
well and I employed 4 of my fellow students to do all the research work. In my<br />
final year I started a new business creating the unique service called,<br />
Personalized Winemaking. I also sold a small property which I bought 3 years<br />
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efore with money I borrowed from my dad. I repaid him and kept a small profit. I<br />
finished Varsity at the end of 2004 with one new plot that I bought for speculation<br />
and a small business that did not provide a lot of income, hardly covering my<br />
expenses. (Personalized Winemaking).<br />
My story:<br />
February 2005 a very good friend told me about Hannes Dreyer and the<br />
Mentoring course. I was in the beginning of my career after varsity and wanted to<br />
keep going with my own business, which is quite unusual for a winemaker who<br />
doesn’t own a wine farm. I read through www.hannesdreyer.co.za and I<br />
immediately signed up. I suddenly realized that I’m not out of my mind and there<br />
is someone out there that shares the same passion. At the moment I am in Week<br />
17 and applying my knowledge gained on an hourly basis day to day!!!!!!!!!!!!!!!! It<br />
has also had a ripple effect, influencing and improving all areas of my life<br />
(relationships, Christianity etc.) as well as the lives of my family, but more of that<br />
later.<br />
At that stage (February 2005) I was starting out with a friend in business. He<br />
owned a 25% share in Personalized Winemaking (www.wineprojects.co.za) and<br />
we both owned a business, let’s call it “SAIAB” in a partnership. I studied the first<br />
week’s info and decided to start implementing what I learned. “SAIAB” took up so<br />
much time and I had to organize a way to manage my time more effective and<br />
start to create a passive income. But firstly I had to create an alternative plan, a<br />
plan B. With the introduction to the direct response business and the way the<br />
internet site was set up for <strong>Wealth</strong> <strong>Creation</strong> I applied it to my business and got an<br />
Idea. I phoned Radds, and spoke to Jan Hendrik. <strong>The</strong>y liked my idea and we<br />
arranged a meeting in the Cape. I met Jan Hendrik in the Paarl and then I went<br />
to Pretoria for a meeting with Corrie, Jan-Hendrik and Dries. <strong>The</strong>y liked my idea<br />
and it seemed that we would be able to do business. With a whole new side<br />
evolving from Personalised Winemaking, I decided to manage my time better. I<br />
was sitting with 2 huge problems. My time was not maximized by spending my<br />
whole day at “SAIAB” and my partner and I did not see eye to eye. Doing your<br />
mentoring course, gave me the idea to make my partner a proposal/offer that<br />
would solve both my problems. I will give him all the authority to make decisions<br />
in ““SAIAB”. He can be the Executive director of the company (including being<br />
the public face which again takes up a lot of time) and I will take a position as<br />
non executive director. In exchange for that I will share in the profits in the<br />
company but not spent my time working for it and earning a salary and I asked<br />
my 25% shares back in Personalised Winemaking. He agreed! Fantastic! I just<br />
gained an extra 8 hours a day and have the possibility in receiving a passive<br />
income from “SAIAB”. Again I was 100 % share holder in Personalised<br />
Winemaking.<br />
I then concentrated spending some of my profits to create a (PTY) Ltd and a<br />
family trust. <strong>The</strong> trust owns 100% of the shares in my company. I am using the<br />
company for all my startup ventures. When they are standing on their own 2 legs<br />
I would put them in a separate entity.<br />
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I had a bit of extra money sitting in a bank account not working for me. A Very<br />
good Friend and I started an investment company. <strong>The</strong> company would<br />
specialize in property investment in South Africa. I live in South Africa and it is<br />
my area of expertise. I will look for good investments and we will in future finance<br />
the investments with money from the (Pty) Ltd. This would have to be a long-term<br />
investment and I started to look for the right property. I have not done my<br />
property school and are booked for the Cape Town workshop on 10 June 2005.<br />
<strong>The</strong> only 2 things Hannes told me up to that stage was Positive cash flow and<br />
motivated sellers. A property developer needed money for his new development<br />
to provide proof to the bank for his bond. We then bought a debenture on a 2<br />
bedroom flat for a lot less than market value. When the flat are finished we would<br />
receive a rental income more than what our bond repayments would be. Even<br />
though we bought it cash and used our own money (I am sure I would have been<br />
able to buy it with the banks money, but I don’t know how! And the bank does not<br />
like what I am doing. According to them I have never had a permanent job, which<br />
is the truth). I know now that by doing it this way is not necessarily the right way<br />
to do it, but since I accept responsibility for my own actions I have no one to<br />
blame but myself if I made a mistake. Anyhow our investment doubled in value in<br />
less than 2 months, so my mistake can not be too bad? My family trust is the<br />
shareholder of 50% of the company.<br />
At that stage I started to negotiate for shares in “SAIAB Wine Company” and up<br />
to now have not come to an agreement.<br />
Negotiations went on between me and Radds. We already negotiated shares and<br />
we were busy finalizing the contracts. Unfortunately because of reasons not<br />
known to me they started to slowly lose interest in the venture. I on the other<br />
hand also realized that I need to be in control of the whole venture. I tried to keep<br />
control over the finances and tried hard not to get emotionally evolved in the<br />
transaction. Up to this stage I do not know why Radds lost interest in the venture;<br />
maybe we can try again at a later stage. I restrategized and decided that I can do<br />
it quicker and more effectively by doing it myself and keeping the whole process<br />
under my control. I tested the market and mentioned the service to some of my<br />
existing clients. After I spoke to a friend doing his MBA in website usability, I<br />
decided to keep working on the idea a bit longer to streamline things and to make<br />
sure the market is ready for the service. I will however start to slowly implement<br />
the concept before September 2005 (Goal setting). I would also try and run the<br />
service over the telephone to earn some money and reinvest it into a website at a<br />
later stage. <strong>The</strong>refore keeping my financial risk = zero.<br />
<strong>The</strong> above mentioned service only applied to the higher income group. I host<br />
many wine tasting with my main goal to build a database of people who believe<br />
that Pieter Walser is the man to phone when they need wine or wine related<br />
information. To make better use of the opportunity I decided to create a product<br />
that appeals to the lower income group as well. I also kept in mind to create a<br />
product and service that will benefit and fit into the accelerator system. So I<br />
developed a new product to cater for the remaining, but biggest part of the<br />
market. I designed one for the masses. I called it "Blank bottle".<br />
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(www.blankbottle.co.za) I borrowed a bit of money from my existing (Pty) Ltd. at<br />
an interest rate of 10 %. I contacted everyone in my database and the product<br />
was sold out in the first week of trading. I had an average success rate of 35%,<br />
obviously showing me I am on to a killer. After repaying my loan to my company I<br />
invested some of the profit into branding, packaging and registering a trade<br />
name. I employed 2 marketers on commission base part time to market and I am<br />
concentrating on direct consumer based marketing. You can not buy the product<br />
in a shop, only from me. <strong>The</strong>refore I create a database of people who believe in<br />
me as their “WINE GUY”.I also employed a company to market my products and<br />
services on a full time basis. I pay them a commission.<br />
I am doing my property school on Friday 10 June 2005. One of my goals was to<br />
speculate with one more property before I do my Property school. I have a very<br />
well connected brother in law. We got a lead from an estate agent. I bought a plot<br />
(only paid deposit) for under market value. It was from a guy who could not<br />
provide proof of his bond. <strong>The</strong>refore I believe a motivated seller. This is pure<br />
speculation, so I bought it in my personal capacity. This one will be my last<br />
speculation for now. From here on I will concentrate on long-term investments. At<br />
the moment I am still renting, but by doing the numbers I worked out that I had<br />
288% return on my investment in 6 months time. So, property wise I own 50% of<br />
the investment company and 2 plots I bought for speculation.<br />
My business goals are on my wall in front of my desk and I constantly read them<br />
and focus on developing them one by one. I am also employing my first person<br />
on the 4th of July and I will use her to optimize my time that I spent with<br />
customers.<br />
Other than business I surf 5 times a week and jog with my wife (she loves<br />
jogging). I dedicate time to my God and started a Bible study group on Monday<br />
nights with 7 of my friends. We get together and spent one hour to talk about<br />
things that is important and about our relationship with God. I Love my wife more<br />
and more and concentrate to set nice rewards when I reach certain goals with my<br />
business. I decide on the goal and she decides on the reward. I am more fulfilled<br />
as I direct my time and money towards my priorities, and it has a hugely positive<br />
effect on my marriage. My wife also has her own business and one conversation<br />
with her about passive income, right in the beginning when I started the course<br />
led her to slowly change the direction of her business in order for her to have a<br />
passive income when we decide to have children.<br />
I started the course 17 weeks ago and 2 of my brothers joined after me. My one<br />
brother lives in Switzerland and we have a meeting every morning over the<br />
internet chat line “Skype”. <strong>For</strong> an hour we discuss “Hannes principles” and<br />
implement what we have learned. My other brother changed his whole life after<br />
week 1 and now is following his dream. He phones me twice a week and tells me<br />
about another great idea he’s got. My youngest brother is still in school and will<br />
be joining your course soon. Hannes, you will like his ideas!!!!<br />
In doing the course and having a mutual interest, I have become best friends with<br />
my brothers again and I know that all of us will one day be financially free to<br />
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enjoy life and what it has to offer together.<br />
I think this is about it for now. I will keep you updated. I hope I can inspire some<br />
of you readers. Hannes, I really do not have to say much about you. As you can<br />
see in my story I used bold and Italics in all the parts where I applied what you<br />
taught me. Thanks! You are playing a huge role in my life and in my family’s.<br />
Kind Regards<br />
Pieter H. Walser<br />
“why do you always try to blend in if you were made to stand out?”<br />
Friday, June 24, 2005 Pieter Walser<br />
THREE NON-BLIND MICE<br />
I don’t yet have much to show outwardly for the Hannes Dreyer mentoring course<br />
and the new approach to life that I’m adopting. But that’s okay, because its early<br />
days (a few weeks) and I’m changing inside, and I have reason to believe that<br />
the rest will follow. And I am hopeful - because of three mice in my kitchen.<br />
Which sounds weird and completely off the point, but it’s not, and I’ll tell you why:<br />
Yesterday I discovered (yuck!) THREE mice (none blind, unfortunately) in my<br />
kitchen, living behind the stove. I’m not into poison, and my (useless) cats are not<br />
into murder, unless its fun, which, on this occasion, they obviously thought it<br />
wasn’t, being anywhere to be found.<br />
So there we stood, my children, my maid and myself, armed with a broomstick, a<br />
mop, a wildly overexcited Labrador and a shocking pink feather duster, trying to<br />
get the mice out the door and back into the veld where they belong.<br />
As I watched them dart around the kitchen faster than the eye could follow, I<br />
realized that mice and people see a house very differently. <strong>For</strong> example, to mice<br />
a warmer drawer is a nice roomy flat with free under floor heating. And a<br />
fireplace is like a tent in the garden - a bit rough and rustic, but you can live<br />
there, if you don’t mind going outside every now and then when things get a little<br />
hot.<br />
Not only did I see my house with new eyes, but I was sadly disillusioned with the<br />
feebleness of human beings compared to mice. We were so slow, so blundering,<br />
and totally ineffective at getting them out of the door. I wondered how we had<br />
managed to survive as a species at all, let alone get to the top of the food chain,<br />
being this useless.<br />
<strong>The</strong>n I noticed that the mice liked to stick close to the walls as they scampered<br />
around, easily evading the feather duster, the Labrador and the mop. <strong>The</strong>y only<br />
crossed open spaces when they had no alternative. So I propped a tray on the<br />
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floor bridging the gap between the counter and the open back door, creating an<br />
unbroken `wall` from their hideout to the back steps. Within seconds, a mouse<br />
dashed along and followed the `wall` like clockwork. Within seconds it was out<br />
the back door, followed shortly by the other two. It was so easy, in the end!<br />
So, my faith was restored in my ability to solve problems. I realized that no matter<br />
how slow and clumsy I may feel at times, I should never give up. If I observe and<br />
learn, I’ll get there. <strong>The</strong> main thing is to keep my eyes open, and not blindly<br />
follow the old ways, which I know no longer work.<br />
And I am ready for this. I am SO ready. I could kick myself for the years of<br />
blindness, but then, how would I know any different? I don’t come from an<br />
entrepreneurial family. I come from a nice middle class family that believes in<br />
education, hard work, and honesty. It’s done me pretty well, considering - it’s just<br />
that I’m so tired. So worn out. And so resentful about working so hard and seeing<br />
so little of my children. Not to mention the little worries that keep pestering me -<br />
like - why do I see so many people around me, no cleverer and no more<br />
hardworking, stop work and retire in their forties? Like, does it make sense to<br />
give all my qualities in return for a fixed salary? Like, if I’m so jolly clever, why am<br />
I trapped in this rat race?<br />
<strong>The</strong>re are no answers to be found in my family, workplace or circle of friends. I<br />
have to strike off into the unknown. As a finance-phobic person, I have an awful<br />
lot to learn. As a mother, I am hopeful. Disillusioned with the medical system<br />
following the birth of my elder daughter, I chose a completely different approach<br />
to birth and health, having my second daughter at home, and raising them both in<br />
a different way to the conventional pediatrician-and-antibiotics route. And I am<br />
very glad I did.<br />
It took courage, and belief in myself. It took a great deal of self-education, a great<br />
deal of ignoring negative comments, and a great deal of looking at things<br />
differently. Of recognizing the value in learning to see the world a little differently.<br />
Of seeing that sometimes a warmer drawer is a home.<br />
A tray can be a wall.<br />
And sometimes an action that conventional wisdom tells you is risky - like signing<br />
on for a mentoring course from someone you’ve never heard of before - is a<br />
more sensible thing to do than to carry on being a nine to fiver in a world where<br />
there’s no job security, no livable company pension and now not even free<br />
medical aid in retirement from the company you have worked for so loyally and<br />
so long.<br />
It makes you wonder - who are the blind ones, in the end?<br />
Friday, June 24, 2005 Susan Warring<br />
Dear Hannes<br />
I decided to submit my story, and although at this stage, I can’t really for sure in a<br />
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materialistic way proof or confirm what this mentorship has done for me, I can<br />
say for sure that I started a process, a process of awakening, of slowly but surely<br />
realizing that there is much more in life, and out of life, than what I have been<br />
living for or what I’ve been used to, or what I’ve been taught. Funny to think, that<br />
as one reads through the lessons with in depth concentration, and you open your<br />
mind to understanding, you realise: it is so simple and basic, but yet these are<br />
the principles we never lived according, and we just never saw it. We were SO<br />
BLIND. And just to start realizing it, and move towards WANTING MORE,<br />
WANTING to know more, and moving to understanding, you realise that no<br />
amount of monetary value can be placed on THAT REALISATION.<br />
And it’s such a personal thing, to me at least, because Hannes, you see, at the<br />
end of the day, when you start to realise it, and change your thought-process,<br />
people start to question you, they say "you are mad to do that", "you are stupid to<br />
pay that money", "I don’t believe that", and they actually really starting to judge<br />
you, me, and my changed life. <strong>The</strong>re is such a beautiful balance in here that I’ve<br />
learnt about, and really do want to practice it, and fulfill it in my daily livelihood<br />
Why people don’t understand it, or never saw it, I just don’t understand. Last year<br />
29 October at the age of 36, I had a heart-attack. It was my best and most<br />
healthy year, because in January 2004 I started to "learn to swim", something I<br />
truly and sincerely wanted to do forever, but was so afraid. But 4 months later,<br />
my fear was gone. People laughed at me and made jokes, cause how can you<br />
do something like that at your age, but I persisted and took the shame, cause I<br />
knew that this was something I wanted to achieve in my life, and not for anyone<br />
else, but just for me. I joined the gym for the first time in my life. I was happy. I<br />
started to follow a healthy lifestyle, but still smoked. And then, on the 29th of<br />
October 2004, I had the heart-attack. I was confused, I couldn’t understand. I<br />
was very afraid, because this was so UNKNOWN, a complete dark territory. I<br />
was sad.<br />
I soon realised that life goes on, and I wanted to change, and I was so much<br />
blessed, that me surviving the heart-attack, I must have a purpose in life. <strong>The</strong>re<br />
just had to be a purpose.<br />
I saw your ad in a newspaper, and was interested, because it looked like<br />
something I really wanted to do. So I and 2 friends of mine attended one of your<br />
free seminars in Cape Town. I there and then decided to follow you on the<br />
mentorship programme. And I am learning such a lot, even though my 2 friends<br />
decided not to. And today, looking back at the transpiring events in my life the<br />
past 18 months, I can say, 2004 was my best year ever ... having had the heartattack<br />
was the best thing that could’ve ever happened to me, cause it brought me<br />
out to search for the real true things in life, which somehow, I noted all the time,<br />
shines through in your lessons. It is so inspiring, we are really blessed that there<br />
is persons in this short life, like yourself, that avail your time, energy and passion,<br />
to show, demonstrate and ignite ours within ourself, it is there, it only needs to be<br />
ignited. I am so happy, because I don’t smoke any more, since 29 Oct 2004, not<br />
even 1!!! I am on a road to my BEST LIFE ever! I love life, and I continue this<br />
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programme, with the greatest of pleasure.<br />
Thank you Hannes. God bless. :)<br />
Tuesday, June 21, 2005 Paulus Basson<br />
It is with great excitement that I can update you as to the most recent events in<br />
our business as well as home life.<br />
As per your `advice` and from the wisdom we have gained over the last couple of<br />
weeks, we re-financed our business bond and used the `banks money` to repay<br />
the personal loan we had taken against our home bond to start our business.<br />
We are now proud to say we only have our business bond and a very small bond<br />
on our house. (We paid off both our vehicles and now have a much better<br />
personal cash flow - this we are saving and loading our bond to pay it off as soon<br />
as possible).<br />
We have now allowed ourselves the flexibility of having funds in our personal<br />
bond account that we can use should we find property that we could purchase in<br />
order to start a residual fund plan. We are at the moment looking at many<br />
properties and the returns they render etc. We are doing extensive homework<br />
and not rushing into any decisions without planning.<br />
On the business front, we have been having staff training, where we are<br />
encouraging our staff to find their `voice` and become part of the business, not<br />
just to be an employee, but to be as exceptional as they can be in their arena. In<br />
turn we are encouraging our staff to live these `habits` daily and by doing so,<br />
changing their thoughts and beliefs and in turn encouraging our clients(the<br />
learners at our college) to do the same.<br />
On the home front, we have recently adopted a little girl called Palesa and at first<br />
my daughter was most distraught as she did not understand the implications of<br />
this event. After explaining to her that we were taking on a `caring role` (helping<br />
Palesa financially, praying for her, sending her a present for her birthday,<br />
Christmas etc, taking her out when allowed) she warmed to the idea and to teach<br />
her the law of `sowing and reaping` she too will be sending Palesa 10% of her<br />
monthly savings that we put aside for her.<br />
We are enjoying each day and the challenges and success they hold. We<br />
however realise that you have what you say and what you have today is the<br />
some total of what you did yesterday - so we never take what we have for<br />
granted and understand that we need to grow daily, but need to take time out to<br />
smell the roses.<br />
We look forward to seeing you in Mauritius where we can all `smell the roses`<br />
together.<br />
Tuesday, June 21, 2005 Garth Farrant<br />
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Ek weet nie of die n sukses storie genoem kan word nie, maar ek skryf dit in elk<br />
geval.<br />
Ek is n student van Hannes al van 2001. Ek het al baie geleer oa dat ek die fout<br />
van my lewe gemaak het om die plaas wat ek geerf het te verkoop net voor ek<br />
die eerste lesing van Hannes bygewoon het in Vereniging.<br />
Behalwe dat ek, met die geld, my huis klaar betaal het, vir my vrou n motor<br />
gekoop het en n paar rand op n belegging (presies wat Hannes ons leer om nie<br />
te doen nie) gesit het, het ek nog geen verdere stappe geneem.<br />
Ek weet nie of ek te bang is en of die regte kans nog net nie opgeduik het nie.<br />
In 2003 wou ek n meenthuis koop (off plan),maar dit het deur die mat geval toe<br />
die ontwikkellaar opgehou bou het. Gelukkig het ek die deposito terug gekry.<br />
Dankie Hannes, dat jy bereid is om jou kennis en ondervinding met ons te deel.<br />
Jan<br />
Monday, June 20, 2005 Jan Cilliers<br />
Hi Hannes<br />
Hier volg ‘n vinnige blik op wat jou mentorskap al vir my beteken het. Ek was ‘n<br />
bietjie meer as ‘n jaar terug by jou seminaar in Bellville (ek en my vrou het op<br />
daardie stadium in ‘n meenthuis gebly wat ons gehuur het). Ek was vuur en vlam<br />
om in eiendom te begin belê, en ek het ook toe na ‘n maand ons eerste huis<br />
gekoop. Dit het my egter heeltyd gepla dat ek nou ewe skielik meer per maand<br />
moet betaal vir die huis waarin ek self woon (ongeag of dit nou my eie was of<br />
nie). die huispryse het op daardie stadium egter epidemies gestyg, en ek het na<br />
6 maande die ‘wyse’ ding gedoen om die huis te verkoop en die wins as deposito<br />
op ‘n erf te bele waar ons wou bou. Hier reeds het ek egter jou herhaalde frase<br />
‘maak die som’ gemis, en ek kyk vandag terug en sien, ja wel, ek kon dit anders<br />
gedoen het. Maar die positiewe is dat ek deur daardie stap in die onbekende (die<br />
dag toe ek die huis gekoop het), en die smaak van sukses (toe ek die tjek van<br />
die prokureurs ontvang het) twee tree in die regte rigting gegee het, en dit is om<br />
verantwoordelikheid vir my eie finansiele toekoms te neem en te begin dink.<br />
Sedertdien het ek die erf weer verkoop en twee ander huureiendomme bygekoop<br />
(die slag darem met meer van jou beginsels betrokke!) en ek geniet dit nou om<br />
elke week se mentorskap oor en oor te lees en deel van my te maak. Veral die<br />
hoofstukke oor kontantvloei en begroting het my direkte dag vir dag besluite<br />
beinvloed. Soveel so dat ek intussen my Toyota Double Cab verkoop het en ‘n<br />
Diesel Corsa aangeskaf het. (EK HET DIE SOM BEGIN MAAK OOR WAT<br />
VERVOER MY ELKE MAAND KOS!!!)<br />
Ek wil egter so tong in die kies byvoeg dat een van die grootste uitdagings van<br />
hierdie groeiproses my kommunikasie met my vrou is. Ek het geleer hoe<br />
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elangrik dit is om nie net alleen te groei en besluite te neem nie, maar om te<br />
verseker dat ek en my vrou saam groei. Die hardste hou was seker die namiddag<br />
toe sy van die werk af kom, en ek ewe selfvoldaan langs die Corsa staan, in<br />
plaas van die doublecab!! Ek dog ek is bitter smart en dat sy my om die hals<br />
moet val, maar glo my - sy was nie dik van die lag nie! Maar vandat ek haar nou<br />
aktief betrek by my nuwe manier van dink, en ons saam beplan is dit fantasties,<br />
want waar ons in die verlede konstant verskil het itv ons ‘rasionele/kapitalistiese’<br />
vs ‘sentimentele/emosionele’ denke mbt finansies, praat ons nou daagliks oor<br />
ons kontantvloei, eiendom se kapitaalgroei, ‘spookwins’, of ‘slegte skuld’. Dit is<br />
regtig ‘n openbaring. Klas 4 experience na ‘n klas 1 experience! ;-)<br />
Dis maar in kort hoe jou mentorskap my beinvloed, daar is nog soveel meer om<br />
te se. In elk geval jy kan maar die skrywe publiseer as jy wil, ek deel dit gereeld<br />
met ander. Thanx Hannes.<br />
Groete<br />
PD Koegelenberg<br />
Monday, June 20, 2005 Pieter Koegelenberg<br />
Success means doing what you do well, letting someone else do the<br />
rest.<br />
Goldstein S Truism.<br />
Here is my story:<br />
I came on the Property Pro Workshop, and learned so much - at that stage I was<br />
considering selling my house in Melodie, Hartbeespoort - I bought it for R165<br />
000. After the course, I stopped marketing my house, and decided to keep it and<br />
rent it out. Now I am making about R451 profit a month from the rental I receive,<br />
and my house is worth at least R450 000 by now!<br />
This is not all - after that I bought a townhouse in Centurion, and I paid transfer<br />
costs (which I should not have done!), and I rented it also out - I made a loss<br />
each month of R500, and decided to sell it - made a profit of R70 000 on selling<br />
it!<br />
I have subsequently bought another townhouse in Centurion with all costs<br />
included and extra money to paint and tile the place - I am still paying the levies,<br />
but I am sure this was also a good investment.<br />
I have learnt while I bought and rented out, and I have now 3 apartments in<br />
Sunnyside, which is actually making a small profit every month, and I have<br />
bought 5 apartments recently in Pretoria-West with costs included.<br />
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My assets total an amount of R2 484 000, and I have started paying more on my<br />
bond for my house in Proclamation Hill - I plan to pay it off within a year.<br />
I still work for a salary, but hope to retire in 5 years time with my properties. I am<br />
37 years old, and hope to retire when I am 42.<br />
I plan on increasing my assets, and to increase my profits monthly with each<br />
property I buy, and I am building up a reserve fund for difficult times.<br />
Hannes, thanks to your course, you have given me the confidence and<br />
knowledge to become financially independent, and I am applying the knowledge I<br />
have gained. Your course fees have been paid over and over again, and I think<br />
you are giving your students excellent advice and practical ideas to enrich their<br />
lives. Please keep on doing this wonderful work! You have really changed my<br />
life!<br />
Regards,<br />
Jeanne<br />
Monday, June 20, 2005 Jeanne Maré<br />
My husband did the Property Investment course in Oct 2004. He walked out of<br />
there saying we must invest in ourselves not really realizing what this means we<br />
concentrated on getting into the market and bought our first property in Dec<br />
2004.<br />
After 14 weeks, following Hannes` mentoring course did we realise this was not<br />
such a good investment, the negative cash flow is too high. Learning from the<br />
Property Investment course we re-structured the deal, decreasing the negative<br />
cash flow. Now we realise what it means to invest in yourself and first<br />
consolidate. Making wrong uninformed decisions can cost you.<br />
I cannot place value on this information we receive weekly.<br />
It has given us insight into who we are and how unproductive we have managed<br />
our time and money. We have for the first time set personal and financial goals<br />
and have started a preliminary budget monitoring our daily expenditures, it<br />
definitely helps you focus on your goals.<br />
In 1998, I read Robert’s Rich Dad Poor Dad, I realised property was the best<br />
investment but looking back we obviously did not follow any logical system,<br />
making wrong and uninformed decisions. After joining the mentoring course<br />
it has opened a new world of knowledge to us.<br />
<strong>The</strong> longer one stays on the mentoring course, the more this information stays<br />
with you and becomes part of your everyday. It has also motivated me to read<br />
more.<br />
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Joining the mentoring course was the best investment we could have made and<br />
it is really a life changing experience for us. We find by setting goals, helps us to<br />
cope with our current job stress, as we know that we have a plan in place and<br />
what direction we are moving.<br />
Thanks Hannes for teaching us and equipping us with this knowledge, just think<br />
how fortunate our children are, to be part of this process from such a young age.<br />
Thanks again.<br />
Ertjies and Ilme<br />
Wednesday, June 15, 2005 Ilme Malherbe<br />
Wat het die Mentor en Eiendoms beleggings kursus vir my beteken?<br />
Nie n 90 maar n 180grade draai.<br />
Ek het Maart met n baie swaar hart en baie twyfel die geld betaal om in te skryf<br />
vir al 2 die kursuse.(Ek het die geld geleen en moet dit nog Des. met rente<br />
terugbetaal)Dit was egter die beste besluit wat ek nog ooit geneem het.<br />
REDE:<br />
Ek het n redelike werk en het die eerste paar jaar baie goed gedoen deur die leer<br />
van bevordering vinnig te klim. Die laaste jaar of 3 was daar bevorderings<br />
moontlikhede wat ek geglo het ek moes kry maar het dit nie gekry.My furstrasie<br />
het al groter geword.Baie van my kollegas is afbetaal en ek het besef.Wat as dit<br />
met my gebeur? Ek het negatief begin word in my werk en persoonlike lewe.Nie<br />
meer die lig aan die einde van die tonnel gesien.Ons uitgawes was ook groter as<br />
ons inkomste en die skuld het dus vinnig baie geword by baie plekke.Ek het niks<br />
gehad om voor op te staan in die oggend.Ek moes my self voort sleep.<br />
A)FINANSIELE SUKSES STORIE NA KURSUS<br />
Ek het reeds 10 eiendomme gekoop(weet nie hoe ek dit altyd reggekry het om<br />
die 100%lenings te kry.)Ek weet ek moet nie weer die eiendomme verkoop maar<br />
ek moes uit die skuld(verkeerde skuld)kom.Ek het dus weer 8 eiendomme<br />
verkoop.(Betaal maar eder al die belasting wil nie oor 5jaar probleme met<br />
ontvanger he)Ek sit nou met 2 eiendomme en nog 4 wat voor die einde van die<br />
jaar klaar gebou sal wees.Hulle gaan almal verniet eiendomme wees.My doelwit<br />
vir die jaar was om uit die verkeerde skuld te kom om 5 verniet eiendomme te he<br />
ek gaan dit laglag maak.<br />
B)PERSOONLIKE SUKSES<br />
My persoonlike lewe is die deel wat ek glo eindelik die belangrikste is.Ek werk<br />
nog vir dieselfde firma vir die selfde salaris MAAR ek is nie meer dieselfde.<br />
Ek sukkel nie meer om in die oggend op te staan want ek weet hierdie dag het<br />
my GOD vir my geskenk om n verskil te maak en hierdie dag is vol ongelooflike<br />
moontlikhede en potensiaal en EK gaan dit soek en n verskil maak in my en die<br />
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mense se lewens wat die Here oor my pad stuur.<br />
C)GROOTSTE SUKSES<br />
Die grootste sukses is wat ek in my huwelik behaal het.Voor die kursus en selfs<br />
nadat ek met die kursus begin het,het ek geweet ons gaan skei. Ek het geweet<br />
my 2 kinders sou swaar kry maar ek het net nie lig gesien om aan te gaan.Ons<br />
het asgevolg van eksterne omstandighede buite ons beheer baie swaar<br />
gekry,veral finansieel en dit het alles amper net teveel vir my geword.<br />
Jy weet Hannes ek het die mooiste vrou uiterlik(regtig,sy laat die koppe draai)en<br />
sy is pragtig van binne.Ek het haar amper verloor,NEE weggegooi.(NB Maak nie<br />
saak wat,ek gaan jou nog eendag die voorreg gee om haar te ontmoet)<br />
Een van my doelwitte vir die jaar is om my vrou oorsee te neem.Ons is 2Des.<br />
10jaar getroud.Ek skuld haar dit en al moet ek dag en nag werk ek gaan dit<br />
doen.Sy wil so graag vlieg na n tropiese eiland en ek gaan dit moontlik maak.<br />
My doelwit is dus Mauritius.Ek wil net hoor of ek 2dae vroeer kan gaan?<br />
Dankie vir die voorreg om my sukses met jou en baie ander mense te kon<br />
deel.Die paar rand wat ek jou betaal het sal nooit genoeg wees vir wat jy vir my<br />
en my gesin beteken het.<br />
Mag die Here jou nog meer seen as wat hy reeds doen<br />
Groete<br />
Andre Myburgh<br />
Saturday, June 11, 2005 Andre Myburgh<br />
My dark night of the soul - My Story<br />
As a backdrop to my story I have to briefly sketch the scene. I am a divorced<br />
women with 2 children. My son was 18 and my daughter 16 at the time. I was an<br />
IT contractor. I owned 2 houses (bonded at the bank) and 2 cars. <strong>The</strong>se had to<br />
be paid every month. I could cope as long as I had an income. My second house<br />
was a holiday home so I had no IRR, It cost me thousands every month.<br />
I definitely fell into the rat race trap. <strong>The</strong>n I lost my job and the banks started to<br />
hound me. I was in severe financial trouble.<br />
When I lost my job, I saw it as part of God’s plan for my life. It was obviously time<br />
to move on. I got the 3-month contract in Botswana starting a month after I lost<br />
the previous job. When I got to Botswana I enjoyed the country, but it was<br />
extremely stressful to be alone in a foreign country. I was totally on my own. <strong>The</strong><br />
company offered me a permanent position at a very good salary. I found a lovely<br />
home where I could be happy with my fiancee whom was about to follow me<br />
there.<br />
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<strong>The</strong>n the relationship problems hit me. My fiancee left me. I was devastated!<br />
None of my old dreams was valid anymore!<br />
Many times I asked God to show me what I needed to learn before I could be<br />
happy. I just went through the motions of living and working. I couldn’t<br />
understand why everything around me was falling apart. I was so sure God<br />
wanted me to be there. Maybe I didn’t understand the signals. Maybe I should<br />
have stayed in South Africa. But then again, I didn’t really have a choice at the<br />
time.<br />
When I was in my deepest, darkest hour, my mother came to visit. When she got<br />
there I just fell apart. Was nothing ever going to work for me again? What was<br />
wrong with me? My mom sat me down. She reminded me of Job. God tested<br />
him. He lost everything he had, including his possessions and his family. I must<br />
remember that he believed. He didn’t do anything to deserve such ill fate. I must<br />
just believe that God will stay with me through all my trials and tribulations and<br />
He will come through for me.<br />
That was a turning point for me. I decided I have to get my affairs in order. I have<br />
to make friends and start living again. I did.<br />
I made some wonderful friends. I talked to the banks. I changed my attitude. I<br />
started looking for things to be thankful for. I went for some counseling. Another<br />
turning point. I can’t remember what we worked on, but what I do remember is<br />
my trip back to Gabarone. As I was driving back, I started laughing. You know<br />
why? Because at that moment I realized, I LOVE MYSELF! Just me. It’s not what<br />
I have, what I achieve, who I know, if I’m in or out of a relationship, what I do for<br />
a living that matters. <strong>The</strong> only thing that matters is that I am me and God made<br />
me and I am important because I am me. <strong>The</strong> new friends I made in Gabarone<br />
was wonderful. I think they were God’s angels, sent to help me through a horrific<br />
time. I started working on my spiritual life and my relationship with God and also<br />
my communication with Him. I allowed God to guide me on my way.<br />
I believe coming across Hannes`s courses is an answer to prayer. One of the<br />
things I believe I deserve to have is to be rich and happy and this is what this<br />
course is all about, isn`t it?<br />
I wanted to go back home to South Africa. I wanted to be in a happy, nurturing<br />
relationship. I wanted to be close to my children again. <strong>The</strong>y are such wonderful<br />
people. I came back home, a changed person. I am much more centered. I know<br />
I have a relationship with God. I know that I’m worth something, just being me.<br />
God showed me that. If you go through hell, you give up. When I gave up, I<br />
allowed God to guide me. Everything I have today is because of Him. I thank Him<br />
for giving me back much more than I ever lost.<br />
From almost losing my home, I made some drastic changes. I sold the holiday<br />
home and used the money to clear my debt with the banks. I bought another<br />
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house to stay in and are renting out my duet (with a positive IRR!). From having a<br />
car repossessed, I now drive a cheeky cabriolet.<br />
<strong>The</strong> monetary value is not the important thing here. It’s just to illustrate what I<br />
mean by, I got back much more than what I lost. I was Job, after all… Both of the<br />
new purchases was done before I started this mentorship course. I would have<br />
approached it differently if I did the course before. But I am working on a plan to<br />
get out of the new debt now. I`ll let you know as soon as I did.<br />
Sometimes, we have to loose everything we think is important to realize just how<br />
important or unimportant it really is… Maybe I had to learn this before I would be<br />
ready to take on the responsibility of being rich?<br />
After all this I also received my purpose in life. I didn’t know how I could possibly<br />
actualize it until I started on this mentorship program. My purpose is huge! It is<br />
one of the first things that Hannes taught us. If your purpose is big enough, if it<br />
scares you, you will succeed. Well, mine is realy scary. I knew God would show<br />
me the way as soon as I was ready.That`s why I believe this course is God`s way<br />
of teaching me to become ready to take on the challenge of my purpose.<br />
It’s something that I can’t just ignore. All of my decisions are seen as a backdrop<br />
to this very important mission I have to accomplish in this life.<br />
In a nutshell, I have to start a foster care system to take care of the orphans of<br />
this country. To give them the chance to become happy, fullfilled human beings<br />
that can make their own difference in our world.<br />
Thank you for teaching us to become more rounded human beings ourselves, so<br />
that we can leave this legacy.<br />
Regards<br />
Christina J Heystek<br />
Saturday, June 11, 2005 Christina Heystek<br />
Hi Hannes,<br />
My father was an only child and had to leave his parent house in the former East<br />
Germany when he was only 16 years of age to escape communism. He met up<br />
with my mother in West Germany, had a first son, and had to emigrate to South<br />
Africa soon after. I was born in South Africa and some six years later my other<br />
brother was born.<br />
My father worked all his life for one company and currently is HAPPY in<br />
retirement. He is the typical "poor" dad BUT he is happy. As you have teached<br />
us, "Riches" does not mean you need to have lots of money or tangible assets. It<br />
means you need to have a balanced life, live towards your full God given<br />
potential and at retirement be able to look yourself in the mirror and honestly say<br />
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to yourself "I am happy that I have achieved what I have been put on Earth to<br />
achieve".<br />
Why am I referring to my parents. As a child your parents and the SYSTEM will<br />
mould your belief and value system and it will have a profound impact on you<br />
and the people close to you. I have tremendous respect for my father and his<br />
strong belief and value system and for my mother for always without question<br />
loved and trusted him even in difficult times. As they say for better AND for<br />
worse.<br />
Since a child I had numerous arguments with my father as I was always<br />
questioning his belief and value system, may be not his beliefs and values but<br />
the SYSTEM. I always believed they (my parents) did not show me all the "pages<br />
in the book". My father always told me in a strong paternalistic way "That is how<br />
the system works, you have to belief it".<br />
<strong>The</strong> SYSTEM:<br />
Listen to your teachers, do not question them, work hard and get good grades at<br />
school for you to be able to get a University Education, get a secure job, marry a<br />
good wife, have children because they are your <strong>Wealth</strong> when you are no longer<br />
there and make provision for your retirement as early as possible.<br />
I have done all that but now at 40 you have shown me the other pages in the<br />
book.<br />
I crammed 23 weeks of mentoring into the month of May as I subscribed in<br />
November but only started the lessons end of April. WHAT A MONTH. May 2005<br />
has changed my life.<br />
I have learned more about life in this month than I have learned in 7 years of<br />
formal graduate (Engineering) and post-graduate (MBA) education. I am still<br />
learning daily, but I am doing it in a balanced and purpose driven way. That<br />
makes me feel good and drives me to grow and to achieve and contribute more.<br />
It is impossible to be "successful" without truly understanding what your purpose<br />
in life is. To make money is not the purpose of everyone. My wonderful loving<br />
wife is a medical doctor and she has indicated to me that her purpose is not to<br />
make money. She wants to help others, contribute to the sick and less fortunate.<br />
I only now have a better understanding of what "your purpose in life" actually<br />
means. <strong>The</strong> wonderfull thing is that EVERYONE can find his own purpose in life<br />
and be happy.<br />
My wife keeps on asking me why I am in such a good mood suddenly. My<br />
answer is "Every day I now do the things that will have the biggest impact on my<br />
life and I am happy with what I have achieved today".<br />
I can`t wait for tomorrow. Our Father has given everyone talents and a limited<br />
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time on Earth. You have shown me how to use my talents and this limited time to<br />
the maximum benefit, every day, to reach a fulfilling life of abundance.<br />
Regards<br />
Mitch<br />
Friday, June 10, 2005 Mitch Brandt<br />
After reading Paul Graham’s excellent essay "What you can’t say"<br />
(http://www.paulgraham.com/say.html), it dawned on me that life isn’t what it<br />
seems. <strong>The</strong>re’s a lot more to it than meets the eye. We’re molded into model<br />
citizens from birth - what we need to wear, say, think, do, believe in, invest in,<br />
study - we’re just products of our society.<br />
But are these "pages of life" shown to us the correct ones? Are there more to it?<br />
Hidden truths excluded from the mold used to create all of us?<br />
This prompted me to start searching for "<strong>The</strong> Meaning of Life". Why am I here?<br />
What is expected of me? What do I need to accomplish in this life to be<br />
successful? What does Successful actually mean?<br />
This period of serious introspection, questioning and philosophizing is mainly<br />
responsible for bringing me in contact with Hannes Dreyer. BANG! My questions<br />
received answers! Confirmation of my suspicions! What a life changing<br />
experience!<br />
Using the words straight from Hannes’s seminar:<br />
"We are just shown the pages in the book that they want us to see!"<br />
And this is the punch line: it doesn’t just apply to Financial Advisors giving<br />
investment advice! It also applies to our school teachers, varsity lecturers,<br />
parents, friends, politicians, religious leaders and any other "experts" we can<br />
think of!<br />
What did I learn during this process of discovery:<br />
Success is not about becoming rich, or becoming the number one employee in<br />
my company, or winning the next marathon, or any ONE goal in life? I’m<br />
successful ONLY if I can truly say that, at the end of my life, I never dropped any<br />
of the balls-of-life I was juggling. My marriage, my relationship with my parents,<br />
friends, children. My relationship with myself. All of these things are just as much<br />
a part of being successful - and sacrificing any of these things (just be successful<br />
in making money, or making it to the top of the corporate ladder, etc) will<br />
ultimately mean that I wasn’t successful!<br />
What a revelation! And doesn’t this sound exactly like the LMS (Lifestyle<br />
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Management System) Hannes keeps on talking about?!?!?<br />
Yes, learning how to analyze deals, working out IRRs, negotiating with bank<br />
managers and motivated sellers - all of these "skills" taught by Hannes are<br />
definitely very helpful and indispensable during any investment deal, but his LMS<br />
is INDISPENSIBLE in your whole life!<br />
Ever since I had this revelation - I started applying LMS to my own life - at work,<br />
at home, in the gym (yes, I actually joined a gym following this discovery: that I’m<br />
also responsible for my personal health), my long-lost relationships with old<br />
friends, my personal finances, the whole shebang!<br />
And what a turn-around this made to my life! My WHOLE life! And I’m<br />
responsible for it!<br />
Hannes, thanks for the wonderful work you’re doing! Keep it up - no matter<br />
WHAT some "self-proclaimed experts" might say!<br />
P.S: I thoroughly enjoy your mentorship programme, and I’m also very grateful I<br />
attended your Property workshop - my future (and that of my family) is looking a<br />
lot more colorful NOW than a year ago!<br />
Friday, June 03, 2005 Christoff Gouws<br />
Timing, as I’ve often heard it said, is everything! I’d had the invitation to Hannes’<br />
mentoring programme sitting in my inbox for 6 months, and never even followed<br />
the link. <strong>The</strong> time just wasn’t right, I guess, and perhaps if I’d read the<br />
extravagant claims and promises in December it would have been like water off a<br />
duck’s back. But in April 2005 it was different – more like the proverbial sponge.<br />
My successful, recently-retired surgeon father is Robert Kiyosaki’s “poor dad” –<br />
he’s saved himself into comfortable retirement, but it could have been so much<br />
more. And when I look back at the 18 years since I left school I really wonder<br />
where I’d be if I’d taken Hannes’ advice back then…! Anyway, my world’s a<br />
different place. I’ve stopped paying RAs and restructured my debt. I’ve hooked<br />
up with a close childhood friend, and now-IT wizard, who recently returned from<br />
the States and started meeting twice a week to look at founding a cashflowpositive,<br />
low-risk, high-return internet-oriented business with international<br />
expansion possibilities. I’ve streamlined my consulting business to free up time<br />
for other business interests (and more kitesurfing – grin). I’ve attended a<br />
Property-Pro workshop and started following leads on property opportunities in<br />
urban-renewal areas of Johannesburg. Most importantly, I’ve stopped wasting<br />
time, and started living with more conviction – and I’ve got a plan up my sleeve<br />
for my financial future… and dammit! That’s a first for me. Watch this space!<br />
Monday, May 30, 2005 Ian Henderson<br />
Hannes,<br />
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Greetings and thanks for all the incredible advice and motivation. Success is<br />
sometimes very difficult to gauge because it varies from person to person. <strong>The</strong>re<br />
is already so much in life to be thankful for and in today’s time, just having a<br />
happy together family today is a success. It is ironic though, that a lot of people<br />
have lost the happy together family because of the pursuit to be successful.<br />
Success is a balance between what we need and what we want. Yes, this differs<br />
from person to person, but I firmly believe that you are teaching and showing us<br />
that our successes must be planned and must not be at all costs.<br />
I have never regarded myself as an "in the box thinker" but after attending the<br />
seminar and the one day workshop, I realised that I was not as far out of the box<br />
as I thought I was. After the first 6 weeks of the mentorship programme, I<br />
became despondent because it seemed like I was still in the box. Your lessons<br />
are incredible and I have become your number 1 fan. Not because I am hoping<br />
you will make me a millionaire, but because you have highlighted areas of my life<br />
that require a lot of work.<br />
My wife and two sons now get to see a lot more of me because I have put some<br />
of your lifestyle suggestions in place.<br />
I have also benefited from the property investment information you give to us.<br />
Without going into too many details, I have purchased 2 properties, each which<br />
have an IRR of 242% in an area that has a capital growth rate of 45% per<br />
annum. <strong>The</strong>y both have sub-division possibilities which will further enhance the<br />
value. This was the 2nd property I purchased since getting to know of Hannes<br />
Dreyer. Hannes Dreyer has shown me that the 2 previous properties I purchased<br />
were "bad buys" - but I have since made them better.<br />
Hannes, I thank you greatly for making yourself available to help people like<br />
myself, and the many others who have invested in themselves by being part of<br />
the mentorship programme.<br />
My Friday’s are not the same anymore as I wait in anticipation for the update.<br />
Thanks and God’s richest blessings to you and your family.<br />
Mark Byrne<br />
Friday, May 27, 2005 Mark Byrne<br />
Dear Hannes and the wealth creation team.<br />
Thank you for providing such an inspirational website and mentorship program.<br />
Your lessons and practical advice are enlightening and inspiring. However, the<br />
most enjoyment, encouragement and faith come from the success stories that<br />
are posted by your subscribers. This is really the true test to the programme and<br />
it gives me great inspiration from those who post their stories of success.<br />
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Kind regards<br />
Lance<br />
Wednesday, May 04, 2005 Lance Woolley<br />
<strong>The</strong>re’s always something about success that displeases even your<br />
best friends<br />
Mark Twain.<br />
I started revising the learning material after I have failed to realise any of the<br />
financial goals I set during the past two months (I am at week 11 at the time of<br />
this writing, i.e. 12 weeks behind real time). In one of the earlier weeks you have<br />
a sentence starting with: "My life really started in ..." My story will start with the<br />
same sentence although it is not one of financial success yet.<br />
My life really started in December 2004 when I decided that I want to learn how<br />
to achieve the right mindset for success. I was inspired by Napoleon Rich’s book<br />
Think and Grow Rich. As a consequence I repeated the following positive<br />
affirmation daily: "I have the faith and trust that I will soon come into contact with<br />
the right person/s who will guide me to achieve the riches I desire".<br />
In January 2005 I moved to South Africa and in February came across and joined<br />
this mentorship programme. I started setting monthly goals (after I formulated a<br />
ten year goal) which covered the most important aspects of my life: health,<br />
friendships, family, spiritual, financial, personal and professional growth. Yet after<br />
2 months I was disconcerted about my lack of financial progress.<br />
Reviewing your lessons brought me to a new realisation and that was the<br />
necessity of building a strong foundation. I have been growing on a spiritual and<br />
emotional level, even if it did not yet show in my financial situation. I was indeed<br />
preparing myself for success. When I asked myself the question: "Are you ready<br />
for the riches that will be bestowed upon you?" the volume and conviction of my<br />
`yes! ` Became louder and clearer.<br />
I am grateful of having found a mentor, I am grateful for this process.<br />
Monday, May 02, 2005 Estelle Coetzee<br />
I attended your Property Course in Durban late last year. What it really did for me<br />
was confirm that what I was doing was right - Use the banks money to make<br />
money by building additional properties and renting them out. With your attitude<br />
combined with mine I have built an additional 3 units for R180, 000 (property was<br />
zoned for 4) which now bring in a rental income of R9000/mth. We should be<br />
receiving an additional R4000 from July. WOW! We have also purchased more<br />
land and can build more units as well as draw a salary from the bond for building<br />
our own units.(writing NHBRC) (please note I was employed / a slave in the cell<br />
phone industry for 11 years. I left my employ in November last year. By the end<br />
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of this year we should be millionaires in assets and then 10 years from then we<br />
will be Billionaires (God willing). I think I have awaited for you Hannes all my life -<br />
You are sincere, unbelievably open and transparent and an excellent Role model<br />
and Mentor. Please keep us informed on your Durban visits as would like to say<br />
hello. Many thanks!!<br />
Sunday, May 01, 2005 Richard Daguiar<br />
I OWN MY OWN BUSSINESS AND IT TAKES UP ALL MY TIME LEAVING<br />
NONE FOR MY NEW YOUNG FAMILY. I WORK HARD FOR MY MONEY. I<br />
HAVE STARTED T0 THINK OUT OF THE BOX. I HAVE A PLAN TO MAKE 1<br />
MILLION A MONTH IN 8 YEARS USING BUSSINESS.<br />
I ATTENDED YOUR COURSE LAST YEAR TO HELP ME WITH PROPERTY.<br />
I HAVE 9 PROPERTIES AND IN THE PROCESS OF GETTING 4 FOR FREE.<br />
IM BUYING A HOUSE IN PTA FOR 1.3 MILLION WITH A 100% BOND. MY<br />
TOTAL MONTHLY COST WILL BE 2500 AS IM SUB LETTING.I WANT TO<br />
IMPROVE THIS UNTIL I STAY THERE FOR FREE.<br />
HANNES THANK YOU FOR KICKSTARTING MY BRAIN ON PROPERTY<br />
INVESTMENTS.<br />
MY LIFE HAS CHANGED AND IN THE NEAR FUTURE I WILL HAVE ALL THE<br />
TIME FOR MY LOVELY WIFE AND SON.<br />
EVERY DAY IS A NEW BEGINNING..............GOD BLESS.<br />
Thursday, April 14, 2005 Jose De Franca<br />
Beste Hannes<br />
Ek is nou so maand besig met die mentorskap program en geniet dit tot dusver<br />
baie. Ek is ook ‘n affiliaat van die program. Ek kry dikwels die vraag of jou<br />
mentorskap program se inhoud nie baie oorvleuel met Robert Kiyosaki se boeke<br />
nie. Persoonlik is ek ook ‘n groot aanhanger van Robert Kiyosaki. Ek moet jou<br />
egter gelukwens dat jou program my blootstelling gee aan baie nuwe idees en<br />
denkwyses. Ek weet dat niemand daarvan hou om met iemand anders vergelyk<br />
te word nie, maar ek meen tog dat voornemende studente die vraag sou vra of<br />
hulle nie maar net Rich dad Poor dad kon gelees het nie. Ek dink ook dat jy die<br />
terugvoer oor jou program sal waardeer.<br />
Die eerste groot verskil wat my opgeval het tussen jou en Robert Kiyosaki, en<br />
wat vir my baie positief in die mentorskap is, is die feit dat jy ons wil aanmoedig<br />
om self te dink. Robert vertel vir sy lesers wat hy gedoen en geleer het by sy<br />
mentor en die leser moet dit aanvaar of nie. Hy doen maw die dinkwerk vir sy<br />
leser – wat die leser wat wil leer nie eintlik leer om onafhanklik en op sy eie voete<br />
te dink nie. Jou verstaan van entrepreneurskap is juis dat ‘n entrepreneur iemand<br />
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is wat glo dat daar ‘n manier moet wees om enigiets gedoen te kry. Dit gaan<br />
maw oor die ontwikkeling van die kreatiewe deel van die brein – om nuwe dinge<br />
self uit te dink. Persoonlik waardeer ek die “Hoe dink jy sou jy dit doen?”<br />
uitdagings aan jou studente baie.<br />
Die tweede belangrike verskil is dat Robert meestal oor beginsels praat en baie<br />
min praktiese inligting bevat. Jou inligting is baie meer toepaslik en op die man<br />
af. En natuurlik is daar ‘n wereldwye verskil tussen die praktiese situasies in<br />
Suid-Afrika en in ander dele van die wereld. Dit is waar dat die basiese beginsels<br />
dieselfde bly, maar ek wil tog glo dat dit baie moeiliker is om dinge in SA gedoen<br />
te kry – veral soos jou eerste les verwys, dat banke in SA entrepreneurs soos<br />
misdadigers behandel. Dit geld ook vir die groter samelewing, die<br />
arbeidswetgewing en die belastingstelsel wat gadnie so vriendelik is teenoor<br />
entrepreneurs en beleggers as in oorsese lande nie.<br />
En laastens beklemtoon jy dat entrepreneurskap ‘n syfer-speletjie is. Jy wys jou<br />
studente ook hoe om met kreatiewe formules en somme geleenthede te<br />
struktureer. Robert maak verbasend min daarvan – hy verwys sy lesers altyd na<br />
sy ouditeur en adviseurs. Dit is nie verkeerd nie, maar ek glo tog dat ‘n<br />
entrepreneur self ook moet weet hoe om somme te doen.<br />
Laastens ‘n mooi voorbeeld van entrepreneurskap:<br />
How an enrepreneur operates:<br />
Jack, a smart businessman, talks to his son<br />
Jack: I want you to marry a girl of my choice<br />
Son : "I will choose my own bride".<br />
Jack: "But the girl is Bill Gates`s daughter."<br />
Son : "Well, in that case..."<br />
Next Jack approaches Bill Gates<br />
Jack: "I have a husband for your daughter."<br />
Bill Gates : "But my daughter is too young to marry."<br />
Jack: "But this young man is a vice-president of the World Bank."<br />
Bill Gates : "Ah, in that case..."<br />
Finally Jack goes to see the president of the World Bank.<br />
Jack: "I have a young man to be recommended as a vice-president."<br />
President : "But I already have more vice-presidents than I need."<br />
Jack: "But this young man is Bill Gates`s son-in-law."<br />
President : "Ah, in that case....."<br />
This is how an entrepreneur does business!!<br />
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Beste groete<br />
Dr Nols de Bruin<br />
Secunda<br />
Tuesday, April 12, 2005 Nols De Bruin<br />
Hallo Hannes<br />
Ons verhuis die 15de April van Kaapstad na Pretoria. Nadat ek en my vrou jou<br />
Property Pro Werkswinkel in Februarie bygewoon het, het dit ons sienining<br />
rondom eiendom drasties verander. Ons het `n eiendom in Centurion gekoop vir<br />
R980000. Die erf kan onderverdeel en ons moet nog finaal besluit wat ons<br />
daarmee wil doen maar dit kan `n minimum inkomste van R300000 genereer.<br />
Die wins op ons eiendom in Durbanville is R240 000. Dit laat ons met `n<br />
uitstaande verband van R440000. Die dubbelmotorhuis staan los van die woning<br />
en ons gaan dit omskep in `n woonstel teen minimum koste en kan `n inkomste<br />
hieruit verdien van R3500/maand. Ons gaan m.a.w in Pretoria bly vir net meer as<br />
R1000/maand! en hierop kan ons ook nog verbeter. Ons doel is om verniet te<br />
bly.<br />
A.g.v swak ekonomiese omstandighede in die landbousektor was ek verplig om<br />
my werk te heroorweeg en begin ek gevolglik `n nuwe loopbaan in Pretoria. Ek<br />
en my vrou sien ongelooflik uit na `n "nuwe begin" gebaseer op jou DLMS.<br />
Baie Dankie<br />
Jannie en Retha Mostert<br />
Monday, April 04, 2005 Jannie Mostert<br />
Hannes, ek kan net sê baie dankie vir die insig tot dusvêr en wat ek alreeds wys<br />
geword het net uit die materiaal van die eerste 4 weke. Ek is vanwee<br />
omstandighede so ietwat agter aangesien ek alreeds die eerste 9 weke se<br />
materiaal ontvang het maar sal by Maandag op datum wees. Ek vind die<br />
materiaal so boeiend dat ek nou eenvoudig nie kan wag om te leer en by te kom<br />
nie.<br />
Jou gegewe eienskappe van `n entrepreneur het my laat besef dat ek aan al die<br />
vereistes voldoen maar dat ek geen deurdagte sisteem het wat ek behoorlik<br />
nastreef nie. Ek wag dus in spanning en met opgewondenheid na wat nog moet<br />
kom. Alreeds het ek moontlikhede raak gesien waarop ek myself tot nou toe nog<br />
blind gestaar het. Dit gaan nou verander maar daar is inligting rakende die bedryf<br />
van `n internet gebaseerde besigheid wat ek eers wil bestudeer. Ek weet ek<br />
beskik alreeds die die kundigheid rakende die besigheid self wat ek wil bedryf<br />
maar die loodsing daarvan per internet is vir my op hierdie stadium nog duister.<br />
Nietemin weet ek dit gaan werk want ek gaan dit maak werk!<br />
Friday, March 18, 2005 Ben Groenewald<br />
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My husband and I both received good salaries but we had to work very hard. We<br />
were both frustrated and always financially overextended. About 18 months ago I<br />
prayed one morning to be showed a way to get out of this mess. <strong>The</strong>n things<br />
started happening. A client introduced me to the "Rich Dad, Poor Dad" books<br />
written by Robert Kiyosaki. I realized that there was a different way of thinking<br />
about money: passive income. I read them all.<br />
<strong>The</strong>n my husband was retrenched. That created a serious cashflow problem! (I<br />
wanted us to get out of a mess, not deeper into it!). A friend told us about the<br />
one-day Property Pro Workshop. My husband and I both attended it and bought<br />
the program. As a result we bought 10 properties of which three were free. All of<br />
the properties have a positive cashflow and we are now receiving our first<br />
passive income. What a feeling! <strong>The</strong> money pays for the mentor program and will<br />
be used for further property investments. We also attended the <strong>Wealth</strong> Pro<br />
Course.<br />
My husband started a network marketing business which is growing steadily. He<br />
works at it diligently. After reading many, many books of which one was "<strong>The</strong><br />
Richest Man in Babilon" we restructured our expenses and I now even manage<br />
to pay 10% of my monthly income into our bond. We are working hard at paying<br />
off all our debt.<br />
My two children now live in a different environment with parents teaching them a<br />
different way of thinking. We now have definite goals and we even started<br />
working on our health: we get up early and go for a 5 km walk every morning. I<br />
also joined the affiliate program and intend to make a huge success of it. Now I<br />
can’t wait for Fridays to receive the update on the website!<br />
<strong>For</strong> the first time in years we feel alive and enthusiastic. I guess retrenchment<br />
can be a blessing in disguise!<br />
Thank you for opening the world of property and business for us. Although we<br />
still have a long way to go us now have a new life full of opportunities!<br />
Sunday, February 20, 2005 Miemie Van Loggerenberg<br />
This story is not about success, it is about the result (outcome) of applying<br />
principles and facing the truth. I also want to tell you what the first step, investing<br />
in myself, has cost me.<br />
It is now the end of week 3 after I have completed the Property Workshop from<br />
Hannes Dreyer. I learned a lot in the workshop, the four most important lessons<br />
being:<br />
1. I have to take responsibility for my future, accept that I am financially ignorant<br />
and have been programmed to echo preconditioned responses with regards to<br />
investments. I have not the foggiest clue how to manage my time and money. If I<br />
did, I would have been financially independent a long time ago.<br />
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2. Income is more important than capital. I must focus on passive income. Money<br />
must work for me.<br />
3. A true investment does not have a negative cash flow. If an “investment” costs<br />
money (money flows out of your pocket), it is an expense, nothing more than a<br />
black hole in your money pool. Black holes are the most energy sapping<br />
phenomena know in the universe, consume all matter and energy and never give<br />
anything in return. Believe this, over time a black hole in your money pool will<br />
consume you after it has consumed your money.<br />
4. Systems of applied knowledge are required for repeated success. Proven<br />
knowledge formulated into a system and applied to the structuring of an<br />
opportunity is what makes the difference between a loss, mediocre and<br />
spectacular returns. <strong>The</strong> same opportunity has very different outcomes<br />
depending on how it is structured. Two examples: Hannes presented us with the<br />
opportunity where he sold R100 for R50. Let this sink in. He gave away R100 if<br />
someone was prepared to pay him R50. Unbelievable. He must have left his<br />
marbles at home. Out of the 40 odd people, only one person grabbed the<br />
opportunity, and it was not me. I let the opportunity slip because I was thinking<br />
about the marbles. <strong>The</strong> person paid with a R50 note and made a 100% profit.<br />
Hannes then showed us that he could have made 900%, 250,000% or and<br />
infinite return by using different payment options; the point is that structuring<br />
produces vastly different outcomes. He also did examples where the same<br />
property, in the same location, with the same tenant, produced returns of a loss,<br />
15%, 60%, and over 200% by structuring a different deal. At the time I did not<br />
grasp the significance of this.<br />
In summary, this is what I did over the past three weeks. Goal 1: invest in myself.<br />
I took responsibility for my time and money. I invested in myself by doing the<br />
workshop, bought the Property Pro Software, subscribed to the mentoring<br />
programme and the property investment website. I set goals, small incremental<br />
steps to reach financial independence. I went about analyzing and restructuring<br />
what I have got right now to create a passive income, rather than searching for<br />
elusive “new opportunities”, that lucky break that will make me “rich”.<br />
I have 5 properties and live in one of them. Total bonds on the 5 properties: R1,<br />
470,000 with monthly repayments of R 12,896.41, 5 year IRR is 39.18%. <strong>The</strong> net<br />
income of the 5 properties was R-3266.60 per month. Negative cash flow, a<br />
black hole. Passive income? None. I had to keep working to fund my<br />
“investments”. If interest rates go up I must work even harder. Add the “policy<br />
investments”, calculate the pre-tax income and then you will understand how<br />
hard I had to work to fund my “investments”. <strong>The</strong> more investments I make the<br />
more tax I have to pay. Surely I was building a secure financial future? No,<br />
unfortunately not. I was digging a deeper pit, every year, all by myself.<br />
Application: restructure. I took R200, 000 of the reserves in the bonds, and<br />
provided a short term loan at prime to a company where I am a shareholder (can<br />
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maintain responsibility). Short term loan repayment that I receive from 1 March is<br />
R17, 490.30 per month. I will roll the loan annually for a 5-year term. Bond<br />
repayments will now be R14, 396.41 per month (bonds are now R1, 670,000).<br />
My passive income with a 100% vacancy rate is thus R17, 490.30 – R14, 396.41<br />
= R3, 093.89 per month. <strong>The</strong> money is now working for me, and interest rate<br />
fluctuations, high interest rates and empty properties have no effect on me. <strong>The</strong><br />
two major risks have vanished. With a vacancy rate of 16%, my net rental income<br />
is R6, 720.00. Add the R3093.89 and my passive income becomes R9, 813.89<br />
per month. Not spectacular, but a start for sure.<br />
Restructuring 3 of the 5 properties resulted in a 5-year IRR of 93.15% (as per the<br />
Property Pro Programme), and I am now working on the remaining two. I have to<br />
get out of the box with these two properties.<br />
Goal 2: Financial independence (lesson three of the mentoring programme). I am<br />
restructuring my living expenses to fit in the R9, 800 per month. Incredible. I will<br />
be financially free in less than 6 weeks from now. My vehicle, now costing me<br />
more than R4, 600 per month, is changing into no cost to me and I am going to<br />
get paid to drive the vehicle. And to think that I have been trying for more than 20<br />
years to achieve less than I have achieved in last three weeks. <strong>For</strong>tunately<br />
Hannes threw the spade I was using to dig my “investment pit” away.<br />
How much of my own money did I use? Not even one cent. That’s right; I am now<br />
earning a passive income, risk free, of more than R9, 000 per month without<br />
spending a cent. You figure the return on that. What did it cost to invest in<br />
myself? Month 1: R600 basic property course, R2900 for the workshop, R1500<br />
for the Property Pro software, R3500 for the Property Investment subscription,<br />
and R4200 for the mentoring programme (I will make the subscription fully paid<br />
up before the first debit order). Total cost is R12, 700, and I will get paid R117,<br />
766.86 in the first year because I spent the R12, 700. Apply what you learn by<br />
investing in yourself, and you end up being paid because you invested in<br />
yourself.<br />
What did I get? More than R9000 a month that was always there, but I did not<br />
know it existed. I can probably do better than that, I am still learning (I am<br />
probably now at the 100% profit level with the R100 for R50 story). <strong>The</strong>re’s more.<br />
I am now restructuring my business. It’s amazing what is happening. What else<br />
did I get? <strong>The</strong> start of a journey, I can never think the same again. Lots of stress<br />
has just vanished. And I am going to buy many properties from highly motivated<br />
sellers. <strong>The</strong> question is: how much of my own money will I have to spend, and<br />
what will the risk be? Not a cent and no risk. If my mind works, I will get paid as<br />
well.<br />
Goal 3: Financially free. That’s my next goal after completing goal 2.<br />
Well Hannes, I did say thank you. Words cannot justify opening a mind. <strong>The</strong><br />
journey has started, and it’s fun. I like being out the box. Again, thank you.<br />
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Gys van Nieuwenhuizen.<br />
Sunday, February 20, 2005 Gys Van Nieuwenhuizen<br />
Success or failure, very often arrives on wings that seems mysterious<br />
to us<br />
Dr Marcus Bach.<br />
Dear Hannes,<br />
I have been overly impressed by your property workshop and since then I have<br />
bought 2 properties to rent out. Using your software program, my calculations are<br />
showing an IRR in year 5 of >90%.<br />
One of the properties is already generating a positive cashflow! No one in the<br />
area can believe I am obtaining the rental income and what I paid for the<br />
property, especially estate agents!<br />
I am learning the way to a financially secure future. I am also proud of myself in<br />
finding such properties to rent out as the current economic climate is getting<br />
more and more difficult. Most properties I have looked at need to be heavily<br />
subsidized (negative cashflow).<br />
Kind regards<br />
Lance<br />
I wish everyone on the mentorship program, a bright and successful future!<br />
Tuesday, February 15, 2005 Lance Woolley<br />
An avid reader and follower of "Rich Dad, Poor Dad", and John Maxwell, I<br />
realised "If it’s to be, it’s up to me".<br />
12 years ago, I headed the Contemporary Music Department at the National<br />
School of the Arts. Applying the lessons I had leant, I soon began to realise that<br />
the vision and dream of having my own College was obtainable, and 3 years ago,<br />
I took the `leap of faith` and began my own Music College the Performing Arts<br />
Campus. I am proud to say that we have started our 3rd year with gusto and our<br />
turnover is in the early millions. Through the application of investing in myself I<br />
was able to use that knowledge to start our College using the bank’s money and<br />
was able to buy the building that houses our College. Not only do we run a<br />
College, but we also able to give back by using our knowledge and expertise to<br />
run learner hips for the SETA`s. Last year we were granted one learnership and<br />
by running it efficiently and consistently, we were granted 2 more learnerships for<br />
2005.<br />
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Upon hearing about Hannes and attending one of his property workshops I was<br />
very excited about his philosophies and his approach to life and jumped at the<br />
chance to sign up for his mentorship programme. I have no doubt I will grow<br />
even more with his mentorship and look forward to growth in all areas of my life -<br />
thank you Hannes!<br />
Tuesday, February 01, 2005 Garth Farrant<br />
My journey began 18 months ago. <strong>The</strong> company I work for made some salary<br />
philosophy statements that upset me and I started to get unsettled in my work<br />
environment. A year later more salary philosophy statements were made. This<br />
thrust me into action. I wrote one and a half pages to the board of directors<br />
explaining where and why I disagreed with them. Well the answer I got back was<br />
typical. “Keep loyal, keep working hard, go the extra mile and we’ll see what we<br />
can do.” I learnt right there that my boss would never be able to change my<br />
situation and that I needed to take responsibility for my own destiny.<br />
Hannes Dreyer to the rescue! I attended one of his free introductory seminars. I<br />
knew he had answers and guidelines that I needed to learn, to rescue myself<br />
from my situation: learning about property investments, wealth creation and a<br />
better life style management system! But the cost of the course for someone in<br />
my financial situation was steep. However, deep down, I knew that here was a<br />
man who through 23 years had built up an enormous library of destiny changing<br />
knowledge and I had to tap into this “university” of information. So I did the one<br />
thing that, at the time, seemed to go totally against my every financial grain! I<br />
borrowed money off my bond to pay for the “Property Investment Basic Course,”<br />
an investment I’m pleased I made.<br />
I walked away from that day never to be the same again. My blinkers had come<br />
off and a whole new way of thinking and new concepts had been opened to me.<br />
<strong>For</strong> example, Hannes kept talking about “EQUITY.” I had heard the word before,<br />
but never truly understood its financial meaning. Wow! I was sitting on a gold<br />
mine. I was wealthy and did not even realise it. Out of that one day seminar, my<br />
“GOLD NUGGETT” of information was “EQUITY” Today, I would pay the course<br />
fee for that one piece of information alone because that piece of information<br />
opened up a whole new dimension to me. It has introduced a whole new mind<br />
set change which has directly influenced my very being and attitude to life.<br />
Let me explain! I still work for the same company, get the same salary, except for<br />
the usual increment at year end, but I see things differently. I have a new found<br />
hope, because there truly is a light beginning to shine at the end of a dark tunnel<br />
of financial gloom.<br />
Since attending the “Property Investment Basic Course” in October 2004, I have<br />
extended my bond so that I can utilize my equity to build a flatlet onto my existing<br />
property. I have bought a duplex flat at below market value, and most<br />
importantly, I have joined Hannes’ “MENTORSHIP PROGRAM”: I want to find<br />
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many more “gold nuggets” of information in Hannes’ LIFE STYLE<br />
MANAGEMENT program, his EIGHT LAWS OF SUCCESS, his FORMULA FOR<br />
CREATING RICHES etc., all being covered in his “MENTORSHIP PROGRAM”<br />
Today I bounce out of bed knowing that my life will never be the same. I<br />
promised myself a few weeks after doing the “Property Investment Basic Course”<br />
- “I will never be a slave to money, to people and to bad habits.” I am in control of<br />
my own destiny. I will learn, change and grow where I have to, so that I will never<br />
find myself in the sorry state of attitude that I was in 6 months ago.<br />
You too can make a difference to your own life. I encourage you to do what many<br />
of us have done, and subscribe to Hannes’ “MENTORSHIP PROGRAM” as soon<br />
as possible. <strong>The</strong>re is no time like the present. Kill procrastination (a big stumbling<br />
block) and join today!<br />
“May the Son rise to meet you.”<br />
Monday, January 31, 2005 Trevor Farley<br />
Over the years I was caught up in a trench of thinking that got deeper and my<br />
blinkers straight. In terms of the book Rich Dad Poor Dad I was really the poor<br />
dad. Fighting with the boss and systems to get that extra bonus to stay in the rat<br />
race.<br />
At the age of 40 I made a drastic decision to study for a degree, the success of<br />
getting my first degree and masters, changed my outlook on life. <strong>The</strong> course<br />
material didn’t matter as my new outlook on life was far more beneficial. This was<br />
a good investment in myself.<br />
After reading the book by Robert I could understand the theory and concepts<br />
very well, but I still lacked the way to do it - the "how". At the Property Pro course<br />
I got the answers to the way how to invest and obtain the benefits from property<br />
investments.<br />
Hannes, thank you very much for the opportunity you gave me in this field of<br />
business.<br />
Wednesday, January 26, 2005 Hermie Visser<br />
My story begins in September 2003, just after I attended Hannes’s course. I then<br />
worked for an investment company that drained my last bit of energy and also<br />
nearly my soul. At that stage I was already 5 years in Gauteng (I was born and<br />
bred in the Northern Cape). After Hannes’s course I had lots of food for thought<br />
and needed to do some soul-searching:<br />
What do I want to do with my life?<br />
Do I want to work for someone else for the rest of my life? No.<br />
Do I want to work month after month for just a salary? No.<br />
Do I want to go for unbelievable wealth for myself and give my descendants<br />
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enormously wealthy parents? Definitely!<br />
Do I want my life back? Yes!<br />
How shall I achieve all this?<br />
<strong>For</strong>tunately my mother and I did this course together and hence she understood<br />
exactly what this fuss was about. My parents then requested me to build them a<br />
property portfolio. <strong>For</strong> their old age and, of course, for their off spring one day.<br />
(Actually they only wanted me closer to home!)<br />
This is how I landed again in Kimberley in March 2004. Back with my parents,<br />
brothers and family. Out of the ‘rat race’ and I can now determine my own speed.<br />
And bring some balance to my existence.<br />
<strong>For</strong> nearly a year I am now engaged with my own little business in family context.<br />
I have increased the couple of properties my parents possessed to 33, spread<br />
over S.A.<br />
At last I have time again for my God, my family and every facet of my life.<br />
I am sincerely grateful, thank you Hannes.<br />
Rozanne<br />
Wednesday, January 26, 2005 Rozanne Le Roux<br />
Hi,<br />
I did the ‘property pro’ one day course in May 2004. After the course I spent a<br />
couple of months doing my homework and was reasonably scared to invest in<br />
property.<br />
After I had done all my homework (at that stage I was convinced that I had done<br />
everything) I bought my first property in September 2004.<br />
It is a one –and- a- half bedroom flat for R 250 000 and the IRR, according to the<br />
property computer program was 30%. (Interest rate at the bank 10.25%).<br />
Shortly thereafter, in October, I bought my second property: a 2-bedroomed flat<br />
for R 285 000 and the IRR was 38%. (Interest rate at the bank 11%).<br />
In November I bought my third property for R 231 000, a bachelor flat and the<br />
IRR was 72%. (Interest rate at the bank 9.75%).<br />
All the property was purchased in a short period of time and in that short period<br />
of time I learned a lot about property. Each mortgage bond is with a different<br />
bank because in each case the bank either wouldn’t grant me another loan or<br />
they demanded an interest rate I didn’t want. Hence I learned how to negotiate<br />
with banks regarding the amount of the bond and the interest rates they charge.<br />
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In November I relocated to Johannesburg and had to pay rent for my<br />
accommodation. This was the motivation for buying my third property. I either<br />
had to pay R 2 350 per month rent and stay in the flat myself or to let the<br />
property for R2 000 per month whilst paying R 1 400 rent per month for the flat in<br />
which I am now staying.<br />
Hence, occupying the flat yourself costs R 2 350 = outflow of R 2 350.<br />
Letting the third property and renting somewhere else:<br />
Payment: R 2 350<br />
Rental: R 1 400<br />
Income from letting: R 2 000<br />
Hence net outflow: R 1750<br />
Hence I save R 600 per month and gain capital growth by letting my property and<br />
renting another flat.<br />
Although I know that I still have plenty to learn about property investment, I think I<br />
left the box and made a start.<br />
One of my questions that I should like to ask when I attend my next course at<br />
Hannes will be: ‘How can I invest without spending a cent on making the<br />
investment; because I bought the properties and had to save up first to pay the<br />
transfer cost and attorney fees. Hence each time I had to pay cash before I was<br />
able to invest. This implies that I again have to save up prior to investment.<br />
Greetings<br />
Etienne Louw<br />
Tuesday, January 25, 2005 Etienne Louw<br />
Dear Hannes,<br />
We will either find a way or make one<br />
Hannibal.<br />
I originate from Maclear, on the border of the old Transkei and Cape Province.<br />
That is why I still have contact with the people there and through them heard that<br />
the old Central Hotel (which no longer was run as a hotel) was to be auctioned.<br />
Immediately I appointed someone to bid on my behalf, did my calculations with<br />
the aid of Property Pro Software and with an existing mortgage bond on another<br />
property bought the hotel for R120 000. <strong>The</strong>re are 26 guest rooms and a further<br />
14 rooms for workers. Of course, very neglected.<br />
My income consists of R2 000 per month from letting property and a further R4<br />
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300 as my part of the building let to the Department of Welfare. We are going to<br />
renovate the old hotel (cleaning and painting) and then avail rooms for overnight<br />
stays and lease out another part as a restaurant. This can augment the income<br />
with a further R10 000 to R15 000 per month. Although Property Pro taught me a<br />
lot, I still am uncertain regarding the financial structures I should have.<br />
Unfortunately my other story is not so rosy. I did my calculations on Property Pro<br />
but made them in a too optimistic way and relied too heavily on the predictions of<br />
the sales agents.<br />
I bought a flat, without any deposit, for R1 100 000. <strong>The</strong> rent per month would<br />
only be R6 000 or if I were to rent it out on a daily base I could increase it to R10<br />
000 after a few months. <strong>The</strong> capital growth in Stellenbosch is very good and<br />
although I should make a good profit my cash flow would be very low and<br />
therefore, after some objective figures in Property Pro, I decided to sell and<br />
invest the profit somewhere else. (I have to confess that I became emotionally<br />
involved and am still uncertain whether I have done the correct thing.)<br />
Erna Boswell<br />
Tuesday, January 25, 2005 Erna Boswell<br />
Hallo Hannes.<br />
We went to look at a house that was in the market for R365 000 and that after it<br />
had been in the market for a long time. According to the owner FNB valued it at<br />
R440 000. <strong>The</strong> place is in need of some renovation but not too much. I made him<br />
an offer of R325 000 with the excuse that it would cost me another R60 000 for<br />
repairs. <strong>The</strong>y accepted this offer to our surprise. I asked the bank for a loan to<br />
cover only the purchase price and the bank approved it.<br />
I saw my chance, contacted the agent and said that the bank had approved only<br />
R325 000, including the cost of renovations. I said that we shall have to cancel<br />
the deal or they will have to lower the price, which they did by another R10 000.<br />
Hence I paid R50 000 less on the original purchase price.<br />
Willem Coetzer<br />
Wednesday, January 12, 2005 Willem Coetzer<br />
I was in the process of starting a business in the transport industry. I then read<br />
the advertisement in the newspaper how your money can work for you.<br />
I always wondered how my money could work for me and I then attended both<br />
your seminar and course. We did all this during May 2004. Up till now we have<br />
purchased 13 properties. We have made many mistakes and still learn each day.<br />
If we couldn’t buy the property for nearly next to nothing we left it. It is<br />
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unbelievable how the estate agents run after us. We tell the agents what benefits<br />
they should use at the banks. I don’t even want to mention the other professional<br />
matters we had to contend with. Donè and I are attending your course now.<br />
Hannes and Tanya, our sincere thanks for what you have taught us! You have<br />
invested a lot in our lives, you won’t believe it, and we really appreciate it. At the<br />
start of your seminar and course we were in a desert but you have opened our<br />
eyes. We have taken all that you have shared with us.<br />
God bless you!<br />
Des and Donè<br />
Monday, January 10, 2005 Desmond Bann<br />
Dear Hannes<br />
I am a pharmacist and I have attended your Property Investment School in 2001.<br />
<strong>The</strong> reason I attended in the first place is the knowledge that pharmacy could<br />
turn out to be a lemon. I have subsequently increased my portfolio to 2<br />
businesses and 5 properties. I will be financially independent in 5 years from<br />
today weather I work as a pharmacist or not. 3 of the properties have an IRR of<br />
infinite.<br />
NEW PROGRESS<br />
I have in the last 3 months bought 3 new properties for no money down and have<br />
realised a capital inflow of R40 000 on the 3 deals. All 3 properties have a<br />
positive cashflow of about R1000 each and an IRR of infinite.<br />
Thank you for valuable info.<br />
Regards<br />
Eugene du Plessis<br />
Saturday, January 08, 2005 Eugene Du Plessis<br />
Hannes<br />
I have attended your property investment school.<br />
Following that in September, I have acquired a property for halve its value with<br />
potential to sub divide.<br />
Thanks to you<br />
JJ Vorster<br />
Saturday, January 01, 2005 JJ Vorster<br />
Dear Hannes<br />
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Many of the “wisdoms” we heard from you on the course we attended were very<br />
similar to values we have held for a long time. Some of these are “Invest in<br />
yourself” and “Do the numbers”. Another of our sayings is, “You don’t know that<br />
you don’t know what you don’t know.” Despite having been in the property<br />
industry for over twenty years we had never heard of some of your financial<br />
concepts for buying property and were immediately fascinated by a specific<br />
strategy that you mentioned. Shortly before doing your course Jimmy saw a<br />
building he really wanted to buy. We always buy bargains but this was not to be<br />
as the owner did not really want to sell, and named a price which made the<br />
finances too tight in the first year while we maximized the income and minimized<br />
the expenses. When we heard of your financial concept we immediately realised<br />
that this could solve the problem and enable us to buy the building, and that is<br />
exactly what we have done. We have bought a block of 89 flats together with 101<br />
garages for the sum of R6, 000,000-00. All the banks were willing to finance the<br />
deal at prime over ten years but this would not work. We then applied one of your<br />
financial strategies and instead of paying R61 425-00 per month in the first year<br />
our payment was only R37, 500-00 per month. <strong>The</strong> saving of R23 925-00 per<br />
month or a saving of R287, 100-00 for the first year, was all we needed to safely<br />
re-structure the building by reducing expenses and increasing the rentals, as it is<br />
under-let. <strong>The</strong> deposit of R1, 500,000-00 was obtained by using your roll in<br />
strategy at below prime. Effectively we secured 100% finance for this building.<br />
Jimmy has the courage and the energy to seek and secure wonderful<br />
investments, and has the freedom to do so, as I oversee the administration and<br />
control of the tenants. Thank you for that tip – it was a real winner!<br />
Wednesday, December 22, 2004 Lynn Oosthuizen<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
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CHAPTER FOUR<br />
About the author<br />
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About the Author<br />
Dr Hannes Dreyer:<br />
PhD, MSc (Economy), CFP, ALSA, IQA, MDRT, COT, TOT, CEA, CBBR<br />
Milestones as a property investor<br />
First residential property in 1982<br />
First commercial (Retail and Offices) property in 1987<br />
First block of flats in 1991<br />
First township development in 1994<br />
First commercial property development in 1995<br />
Developed the Property Pro Software in 2000<br />
Certified Estate Agent in 2002 (not practising)<br />
Developed the Property Pro Workshop in 2002 to teach others my methods<br />
www.propertyschool.co.za in 2002<br />
Certified Business Broker Realtor in 2002 (not practising)<br />
Developed Property Pro Basic course 2004<br />
Bought 48 properties for free in 94 days (to prove a point - because students said<br />
it could not be done)<br />
Increased passive property portfolio by more than R100 000 per month in less<br />
than 100 days<br />
Did Masters thesis on "Residential Property as an Investment Instrument".<br />
Developed the Advanced Property Investors Course 2005<br />
Milestones as an Entrepreneur<br />
Started first business at the age of 10 years<br />
Numerous start up ventures<br />
Wrote an advertisement in less than 30 minutes that has made more than R18<br />
million<br />
Started a business with less than R 1 000 and turned it into a business<br />
generating more than R10 million per year<br />
Started a business with R0 (to prove a point to a sceptic friend) and made more<br />
than R50 000 net Profit on the first day of trading.<br />
<strong>The</strong> first business in the "mentors program" made more than R128 000 net the<br />
first day<br />
Became a "Virtual Millionaire" in a single day.<br />
Turned 79 cents into more than R1 000 000 in less than 40 weeks – showing the<br />
results weekly on the internet.<br />
Developed the <strong>Wealth</strong> Pro Program – a unique financial software tool that will<br />
revolutionize the way people do their own financial planning.<br />
PhD (Cum laude).<br />
Did his Doctoral <strong>The</strong>sis on “Applying the <strong><strong>For</strong>mula</strong> <strong>For</strong> <strong>Wealth</strong> <strong>Creation</strong> in<br />
Developing Entrepreneurs and Investors”<br />
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Milestones as a <strong>Wealth</strong> Creator.<br />
During the first 40 weeks<br />
Started three new profit generating businesses.<br />
Turned 79 cents into more than R1 000 000 – showing the results weekly on the<br />
internet.<br />
Built a passive income (before Tax) of more than R100 000 per month (Excluding<br />
the Mentoring fees)<br />
Donated more than R315 000 to the Pretoria School of Cerebral Palsy Children<br />
as part of his R1 000 000 pledge over five year period.<br />
Bought two properties<br />
Developed the BOSS Financial Calculator Suite<br />
Developed the following websites<br />
www.hannesdreyer.co.za<br />
www.privatelessor.co.za<br />
www.privateletting.co.za<br />
www.sacontracts.co.za<br />
www.blacklist.co.za<br />
www.npo.co.za<br />
www.propertyinvestments.co.za<br />
www.propertyonauction.co.za<br />
www.referralserver.co.za<br />
www.addserver.co.za<br />
www.voucherserver.co.za<br />
www.ringowners.com<br />
Milestones as an Author<br />
<strong>The</strong> Seven Laws of a Property Investor.<br />
Property – <strong>The</strong> Road to Riches.<br />
<strong>Wealth</strong> – A Technical Approach<br />
<strong>The</strong> Art Of Selling Is Never To Sell<br />
<strong>The</strong> Basics of Property Investments<br />
Trust for the Entrepreneur<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
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<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
Milestones as Financial Planner<br />
Started career as an insurance agent for Old Mutual in 1982<br />
Joined Volkskas as a broker in 1987<br />
Top-10 Volkskas broker two years in a row<br />
Passed the Institute of Life and Pension Advisors exams (ILPA) in 1988<br />
Admitted as a Fellow of the institute of Life and Pension Advisors (FILPA in<br />
1989)<br />
Certified Financial Planner (CFP) and admitted as a Fellow of the international<br />
affiliated Financial Planning Institute – (non practising)<br />
Initiated the Volkskas Corporate Brokers concept<br />
Became an independent broker in 1991<br />
Accredited Life Underwriter of South Africa (ALSA) in 1995<br />
MDRT (Million Dollar Round Table - only top 6% of insurance brokers and agents<br />
worldwide qualify for this prestigious award) 1994 -1998<br />
COT (Court of the Table - the top 1% in the world qualify for this award) in 1995<br />
TOT (Top of the Table - only the top .01% in the world qualify for this award. This<br />
is the top 1% of the COT's qualifiers) in 1995<br />
Top 25 in South Africa for several years<br />
Holds numerous International Quality Awards and has received top production<br />
and quality awards as a broker with companies such as Old Mutual, Sanlam,<br />
Momentum, Liberty, Fedsure Life and others<br />
Certified Financial Planner (Not practising)<br />
Independent and creative risk manager (Not practising)<br />
Business consultant and coach (Not practising)<br />
Entrepreneur, Public speaker, teacher and author<br />
Developed several software programs on property investment, financial planning<br />
and unit trust investments<br />
Biggest business learning experience<br />
Started two financial services businesses in one year that ran a loss of more than<br />
4 mil within the first eighteen months.<br />
Turned those businesses single-handedly into profitable businesses after all<br />
"experts" advised that it would be better to liquidate the business because there<br />
was no chance of reviving them.<br />
Current challenge<br />
A mentor program to "mentor" people on investing less than R 1 000 and<br />
converting it into more than R 10 million net (Assets - Liabilities) in less than five<br />
years.<br />
To build a database of 100 000 before the 1 st November 2006<br />
Passionate about<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
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Wife Tanja – married for 23 years and enjoyed every moment of it<br />
Beautiful daughters Karla and Lara<br />
Teaching people how to become <strong>Wealth</strong> Creators, by using experience and<br />
knowledge of property, business, entrepreneurship and financial planning<br />
Devising new ways of turning the world upside down and challenging the<br />
prehistoric dynasty of teaching methods<br />
Actively involved in raising funds for the Pretoria School for Cerebral Palsied<br />
Children<br />
Life and living it.<br />
Hobbies<br />
Family<br />
Flying helicopters<br />
Reading<br />
Traveling<br />
Scuba diving<br />
Cycads and nature.<br />
<strong>The</strong> <strong>Amazing</strong> <strong><strong>For</strong>mula</strong> for <strong>Wealth</strong> <strong>Creation</strong><br />
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