Secure - Docs - The Amazing Formula For Creating Wealth

The Amazing Formula For
Wealth CreationISBN 0-620-35348-1
How I made R 1 016 167 from a 79 cents

investment in less than 40 weeks
BY
Dr. Hannes Dreyer
The Amazing Formula for Wealth Creation

Page 1
Dear Wealth Seeker
The fact that you have ordered this e-book shows you are interested in making
money in abundance and at the same time want to have a fulfilling and balanced
life. Because of the aims we thus share I would like to work with you personally if
you will allow me to assist you to reach your financial and other goals.
I am Hannes Dreyer.
I am 48 years old and I am living my dream and my passion.
As I wrote this, my Wealth Creation Mentoring Course had been running for forty
weeks since its inception. This is based on the most amazing formula for wealth
creation in the world. I would like to share this Amazing Formula for Wealth
Creation only with those who have open minds and are willing to learn.
What is a Wealth Creator?
It is a person with the ability to let his money work for him – instead of working for
his money – to create, preserve and transfer their wealth.
The Wealth Creation Mentoring Course™ started off as a challenge – you can
read all about it on the website www.hannesdreyer.co.za. - to teach you how to
empower yourself by accepting responsibility for your future by becoming a
Wealth Creator.
I am going to share the Amazing Formula For Wealth Creation™ with you in the
hope that you will learn and apply what is necessary in order to live your dream.
Although the Formula is simple, it is not easy to implement because you will need
to take full responsibility and be willing to put in time and effort to make your
dreams come true.
I hope that this e-book will introduce you to a fascinating NEW way of life.
I challenge you: read this e-book, study and utilise it as a guide to help and
motivate you to accept the challenge to become a Wealth Creator yourself and to
experience a life of wonderful abundance.
As a final motivation to read and study this book, I have set up a simple (but not
so easy) challenge to see if you have the wherewithal to become a Wealth
Creator.
The underlying purpose of this e-book is to empower you and supply a

framework to becoming a Wealth Creator without risk or spending any of your
money. It only requires a burning desire to take responsibility for your life and
invest the necessary time and effort to create your perfect life.

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Read the book and then face your PERSONAL CHALLENGE in Chapter Two...
Your life will never be the same. This I promise.
Don’t be misled by the simplicity of the formula – it leads to spectacular results!
Enjoy the process.

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Free E-Book
The AMAZING FORMULA FOR WEALTH

CREATION™
by
Dr. Hannes Dreyer
Prologue
To share the insights in this book with as many people as possible, you have
Hannes Dreyer's permission to pass it on to others – provided you do not alter or
modify it in any way. You can under no circumstances sell the book in any form.
This book consists of four chapters. The first chapter contains a basic overview
of the Amazing Formula for Wealth Creation. The author used this formula to
convert 79 cents into more than ONE MILLION RAND in less than 40 weeks.
In the second chapter the author sets out a complete system and strategy that
can help you become a Wealth Creator yourself without taking financial risks.
In the third chapter the author retells some of the successes his students shared
with him. These letters are the “testimonials” of the radical results the application
of the Amazing Formula For Wealth Creation has had in people’s lives.
The fourth chapter contains details about the author and his background.
Hannes has a passion to teach. He wants to provide knowledge, tools and

strategies to willing people to become Wealth Creators. His thesis for his masters
degree was “Residential Property as an Investment Instrument” and his doctoral
thesis “Applying the Formula For Wealth Creation to develop successful
entrepreneurs and investors”
Hannes is a non-practicing Certified Financial Planner™
This e-book is the direct result of a challenge he accepted in December 2004 to

prove that it is easy to make money on condition that you know and apply the
Formula for Wealth Creation. In the process he disproved the adage that you
must have money to make money.
This book was written by:

Dr Hannes Dreyer
Published by the Wealth Creation Trust, Pretoria, South Africa
ISBN 0-620-35348-1

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Disclaimer and/or legal notice
While every attempt was made to verify the information provided in this e-book,
neither the author nor the publisher or their partners and business entities
assume any responsibility for any errors, inaccuracies or omissions.
The information contained in this e-book is intended to give you a broad overview
of key principles of the Amazing Formula For Wealth Creation. It is not intended
as a substitute for sound financial, legal, accounting and tax planning. Always
seek specialist financial, legal and tax advice.
Although the material published in this manual and the information given in the
accompanying Mentoring Course is designed to provide accurate and
authoritative information with regard to the subject matter covered, this e-book is
given to you with the understanding that the publishers and author are not
engaged in rendering legal, financial, tax, accounting or any other professional
service.
The author and publisher disclaim any personal liability, loss or risk incurred as a
result of the use of any information contained in this e-book. Unless you know the
Formula for Wealth Creation and how to apply the Amazing Formula for Wealth
Creation as explained in the Wealth Creation Mentoring Course™ the publisher
and author do not guarantee that the reader of this e-book will make any profit
from its contents.
All case studies of success are based on facts and were supplied with
permission to publish them. We did not materially alter the copy we received –
and very little grammar! Whilst we did not verify the validity of the contents we at
the same time have no reason to doubt any of it.
Dedication
This book is dedicated to my wife, business partner and best friend, Tanja, for
her 23 years of love, trust and support.
My thanks go to Karla and Lara my two beautiful daughters who add excitement
and meaning to my life.
Most of all I want to praise and thank God – our only real WEALTH CREATOR -
for the wonderful gifts and opportunities He has given me.

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Table of Contents
CHAPTER ONE
How I made R 1 016 167 from a investment of 79 cents in less than 40
weeks by applying the Amazing Formula For Wealth Creation
CHAPTER TWO
How to become a Wealth Creator yourself without taking any risks
CHAPTER THREE
The real stories behind the story
CHAPTER FOUR
Hannes Dreyer’s CV

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CHAPTER ONE
THE AMAZING FORMULA FOR

WEALTH CREATION

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Introduction
Talent develops itself in solitude, character in life's stream.

Goethe
My passion is to teach willing people how to become Wealth Creators.
The past four years I have concentrated on teaching people how to invest in real
estate, because in learning HOW to invest in property you will automatically be
introduced to some of the Fundamental Principles of the Formula For Wealth
Creation.
…………. I was a bit skeptical at first I was the first person in South Africa to
due to my two personal golden rules teach others how to use a proven system to
for investments (and life, for that invest successfully in property.
matter)
1. There is no such thing as a free Since then I have addressed more than fifty
lunch, and
2. If something sounds too good to be thousand people, teaching them why
true, it usually is. property can be either a good or a bad
investment and how to use a proven system
Your advert violated both these rules to determine the risk and growth potential in
but I decided to go and listen anyway. any property.
I’ve attended timeshare promotions
before and if I could walk out of there
without opening my wallet, I was sure It still amazes me to see how little people
I could do the same to you! know about Property Investments and how
much I can contribute to helping others by
……......…At his seminar I had an showing them within a day how to use my
“Eureka!” moment as I realized that system, called the Property Pro Program.
Hannes was addressing the needs
and wants that I had had inside of me
for so long and some others which I Let me sketch the background of how I
did not even know I had. It was a discovered the Amazing Formula for Wealth
feeling of enlightenment when it Creation.
dawned on me that I had been looking
for this man bearing this message of
hope and guidance for the previous The Birth Of The Formula
two years.
Just don't give up trying to do what you really
……………What I like the most about want to do. Where there is love and
Hannes’ approach is that he is not inspiration, I don't think you can go wrong.
selling quick fixes – unlike many other Ella Fitzgerald
“mentors” - but rather teaches you
how to do the mending so that you In 1987 I was a professional financial
can effect the repairs yourself!
planner with Volkskas Bank in South Africa.
I was one of their top insurance brokers.
Although I was doing exceptionally well I realised that unless I could let my
money work for me I would continue to work for my money all my life. I searched
for ways beyond the conventional to invest my surplus income.

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The reason I did not consider the conventional or “normal” ways of investing was
because I could see that the
For me, success is about being on the edge
projected growth rate the financial
and experiencing life at full throttle. It’s
institutions promised was inadequate
about doing what I always dreamed of
if I wanted to “retire” some age
doing … and doing just that. It’s what so
before I reached fifty. At that stage I
many of my friends talk about doing, but
was thirty years old and my goal was
don’t do. Success for me means the blood
to be financially free before the age
pumping through my veins. When you are
of fifty.
in the heart of Mother Nature, the ocean,
and disappearing behind a curtain of water,
surrounding you but not touching you, this I calculated that if I followed the
is when I am at my peak and the success is financial institutions' advice I would
burning through my veins. This sensation need a lot of money in order to make
you will never know, unless you have been enough money to retire at the age of
there yourself, like when I am travelling at 65. But I wanted to retire at 50 and I
great speed on snowy white ice surfaces knew that would be totally
and the slightest twist or the wrong weight impossible. I felt then there had to be
distribution can mean the end of your ride. another way.
It’s when you feel comfortable with tunnel
vision and fear is the factor that keeps you Selling insurance policies in 1987
alive. This is where calculated risks play was easy. My “real job” however in
the most important role in the balance 1987 was to find a better way, where
between survival and oblivion and creates my money would work for me
the greatest thrill for me on this planet…. instead of me working for my money.
……so today I am applying all of Hannes
Dreyer’s methods to my own life. When I I looked at property as an option, but
am away on my film-shoots in Peru or soon ran into a problem. It was
Mexico, surfing the planet's most beautiful almost impossible to calculate the
waves I know that every Friday I have an real growth on my investment. Many
appointment with the Professor. Not people claimed they could calculate
always easy to print out the lessons in the the growth on their investments but
little Internet shops all over the world. But they were confused. What they did
I get my printouts and this is my day-to- was calculate the growth on their
day inspiration. My willpower to carry on property – in other words how much
and turn my biggest goals into reality. their property has appreciated over a
period of time – but they could not
calculate the growth on their
investment. I am one of those people that believe that problems create
opportunities and I began working on a solution to the problem.
Unwittingly I had started the journey to discover the Formula for Riches™
In order to calculate the growth on my surplus I developed the Property Pro

Program™. The original purpose was to determine the growth potential in any
specific property investment.
Different kinds of property investments – which one?

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Success is the result of good judgment, good judgment is a result of experience, and
experience is often the result of bad judgment.
Tony Robbins
There are different ways to invest in property and different classes of property.
The two different classes of properties are residential and commercial. To make
things more complicated in each class of
property there are different ways to invest (or
…….The lesson learned is keep so I thought in 1987). You can buy and sell,
on reviewing the information that
Hannes gave us - and be patient. develop, or buy property as a long-term
investment. In 1987 I did not know which class
of property would be the best and I also did not
know the best option in which to invest my money, time and effort
It was while experimenting with the results of the program that I figured out a
system to calculate the growth potential in any class or type of property
investment and also accidentally developed a system to determine the risk
potential in any property investment.
This was quite an eye-opener. Then for the first time I had a “tool” to determine
the risk and growth potential in any property.
Because of this I became aware that if I changed any one of the more than
twenty variables inherent in any property investment, both the risk and the growth
potential changed.
What was more fascinating was the fact that the results were mostly the direct
opposite of what I had been taught in my professional training. I was a qualified
financial planner at that stage.
This was scary. I suspected the methodology behind the Property Pro Program™
was incorrect. How on earth was it possible that I could lower the risk and
simultaneously increase the growth on my investment by applying well known
strategies like gearing or negotiations?
This was contrary to what I had been trained to believe.
At university and during my studies to become a financial planner I was taught

that “the higher the risk of any investment the higher the growth will be.”
Now I had proof that this theory of “the higher the risk the higher the
growth” was simply not true. In fact the basic truth was so simple and obvious
that I could not believe I had overlooked it.
I think the reason why I did not “see” the obvious was because I was conditioned
to be an expert as a Certified Financial Planner.

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Ignorance will keep us poor even if we make a lot of money.
"Money is in some respects like fire; it is a very excellent servant, but a terrible
master."
P.T. Barnum
Sometimes the TRUTH is so obvious that we tend to overlook it. Let me tell you
what brought about this revelation.
In my negotiations on a property transaction I calculated that I simply could not

afford a property based on the asking price. The only way I could buy the
property was if the owner was prepared to take a lot less than the asking price.
I told the Estate Agent I wanted to offer less, but he immediately advised me that
he “knew” the seller who would not accept a lesser offer.
About a month later the property was still on the market. I approached the Estate
Agent again but this time I said that I had decided to make an offer to purchase.
He filled out the offer to purchase and wrote in the original asking price. I said it
was not the price I was willing to pay. The offer I was putting forward would in
fact even be lower than the previous price we had discussed as I had decided to
deduct all the costs of the transaction as well.
The estate agent was not pleased or impressed but I stuck to my offer saying I
simply could not afford to pay more.
He reluctantly presented the offer to the seller who phoned and asked me to
increase my offer by R20 000 and I would have a deal. I told my offer was final
as I could not afford a cent more.
The day the offer expired the seller accepted it.
I had bought a fabulous property and in the process saved myself a lot of money.
My first financial lesson – the lower the risk the higher the growth.
A little security is sometimes worse than no security at all.

David T. Chase
That evening I realized I had lowered my risk because I had paid less. At the
same time I had increased the growth of my investment because I had bought
the property below the “perceived” market value.
In other words the lower the risk the higher the growth on your investment.
This is directly the opposite of what we are taught. Yet it is so logical that most

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people overlook this truth, mostly because we are so conditioned to believe and
never question what financial institutions teach us.
Let me explain this truth by using an example.
The first thing is to determine the “real” value of the property as there is more
than one value to any investment.
Do you know what the market value is as

…… The reason is that I DO opposed to the real value (intrinsic value) of
want to share with people what a any investment? I will explain this a little later.
wonderful contribution you are Most investors do not know this.
making to educating and helping
anyone who is willing to learn and
invest in himself …….. Meantime, Let us assume the intrinsic value is R1 million
it is so good to look forward to but the seller wants R1.3 million (market value)
Fridays, when I can download the
next lesson to work on, to hold
onto that “helping hand” to
If I offer him R1.3 million and I have to resell
financial freedom and success the property immediately for whatever reason
and only get the intrinsic value of R 1 million.
I have lost R300 000.
This loss is a real risk. To me losing capital is risk.
If however I can get the property for R700 000 and the intrinsic value is R1
million which I can get on a quick resale, I would have made a profit of R 300
000.
It is therefore better and a lot less risky (exactly R600 000 less risky!) to buy the
property for R700 000 than for R1 300 000.
I also change a loss of R300 000 into a profit of R300 000.
By paying R600 000 less I will increase my profit by only R300 000 – if I sell at
the intrinsic value of the property - unless I can find someone else that is willing
to pay me the R1 300 000, which is possible but may take more effort.
Let’s take it one step further
If the seller wanted R1 million for the property and I paid R1 million then my risk
and profit are R0 – provided the value of the property is R1 million and I can get it
when I sell.
If I buy it for R700 000 I save R300 000 – in other words I Iower my risk by R300
000. If I then sell the property for R1 million I of course make R300 000 profit.

Page 12
Thus if I can determine the intrinsic value I avoid a lot of risk because I am not
going to pay more than the property is worth – even if the perceived value, also
called the market value, may be more. Anything you pay more than the intrinsic
value of an investment is financial suicide.
The ART of investing is to be able to determine the intrinsic value of an

investment. You must always pay less than the intrinsic value if you want to be
an investor. If you pay less than the intrinsic value you create “real” value and
you lower the risk in any investment.
WHY do most people commit financial suicide?
"The difference between greatness and mediocrity is often how an individual views a
mistake."
Nelson Boswell
Right now the majority of so-called investors are walking on thin ice due to
financial ignorance as they do not know how to determine the intrinsic value of a
property or any other investment themselves.
They listen to other people and base decisions on emotion.
This is only the tip of the proverbial iceberg.

………………..I read every book As already explained, the market value is not
I could about investments and then
read in the newspaper about a the “real” value of an investment. The market
seminar presented by Hannes value is what the average investor will pay for
Dreyer and attended the course in a specific property at a given time and under
January 2004 to improve my certain conditions such as low interest rates.
knowledge. I then realized that the
best investment I have ever made
was the money invested in the Market value is influenced by the general
course…….In 2004 we bought 14 investor sentiment about a specific class of
properties…….. We have built a investment at a given time.
very good passive income stream
with what we have learned from
Hannes. ……………..I have since
In any investment there is a “real” value.
enrolled in the Mentor course and Sometimes the market value can be more than
can’t wait for Fridays to learn the “real” value. In other words, the average
something new. Thank you for a investor will pay more than the investment is
life changing opportunity. worth. This is typical of what is happening at
the moment (Sept 2005) in the property market
in South Africa.
The opposite is also true. The market value can be less than the “real” value of a
property.
The “real” value is called the intrinsic value – If you want to become an investor
you must know how to determine the intrinsic value of any class of investment,
otherwise you will not be able to determine your real risk in an investment.

Page 13
The discovery of the real value, real risk and real growth on any property
investment.
"People of mediocre ability sometimes achieve outstanding success because they

don't know when to quit. Most men succeed because they are determined to.
George E. Allen
I could determine the real growth and real

risk in any class of property investment in
………………..I look forward each
Friday to the next lesson to follow, I
1987 because I had developed the Property
spend evenings in the week going Pro Program
over and over previous lessons
trying to digest all the information. I had also found, contrary to what I had
The material is simple down to earth believed about risk versus growth, that the
common sense but the there is an
underlying thread, of, I want to use
lower the risk the higher the growth.
the word goodness that makes just
reading the material a class one At that stage I felt I had discovered the
experience. You can feel that it is biggest treasure in the world. I immediately
good for you! started sharing this newfound “wisdom” with
The main thing that I have found the
hardest to face is Taking my peers. Needless to say they were not
Responsibility for oneself This is the nearly as excited as I was. In fact they
best piece of advice anyone can give blatantly refused to discuss the topic with me.
another, and the words are easily
said, but the action is hard.
That is where I find you are helping
To them this was not part of financial
so much as mentoring is not about planning and we as financial planners were
telling everyone what to do, but not allowed by contract to sell any other
giving the knowledge on how to do product than those that the financial
yourself. institutions allowed us to sell – which were
I know and can feel I am changing
their own products.
slowly. I have started being more
aware of how to spend ones time
productively, have a more enquiring With my new tool I “discovered” that there
mind to learn more about investing in was no correlation between the growth of a
the property market, and all these property (the area) and the growth on your
positives have come from attending
a Hannes Dreyer seminar!
investment in the property.
Again, this did not make sense to me as I

had been taught that there were only three
criteria to good property investment. You guessed right: Location, Location,
Location.
By comparing literally hundreds of properties in different areas I quickly realized

that location plays a very small part in the overall growth on your investment.
I could in fact prove that the better the area the higher the risk factor!
I also discovered about two dozen different techniques, strategies or managerial

techniques you can use to manage growth and risk in any long-term property

Page 14
investment. In applying these techniques you not only lower the risk but at the
same time increase the growth on your investment
I discovered yet another interesting phenomenon. By applying different strategies

and layering them on top of each other the results will increase exponentially. In
other words if I used only one strategy at a time there would be a change in the
risk - and growth improved compared to not using the strategy - but the moment I
started using more than one strategy on the same property the improvement in
results were spectacular, to say the least.
In my free Wealth Creation seminars (for more information visit

www.hannesdreyer.co.za) I demonstrate how to take a property and change the
growth on your investment of just more than 13% into a growth of more than
100% by applying only three of these strategies.
When I explained this to my financial colleagues in 1987 they thought I had lost
my mind and blatantly said so and added I should rather concentrate my energy
on selling insurance policies as time-proven secure and solid investments.
I ignored their remarks and experimented with

........ - all of these "skills" taught by property as investment. I bought my first
Hannes are definitely very helpful commercial property in 1987; the results were,
and indispensable during any
to say the least, spectacular. I had never in my
investment deal, but his DLMS is
INDISPENSIBLE in your whole life! life thought that it was so easy to get the kind
And what a turn-around this made of return on any investment as I got from that
to my life! My WHOLE life! And I’m first commercial property.
responsible for it!
Hannes, thanks for the wonderful

My Property Pro Program incorporates the
work you’re doing! Keep it up - noFormula For Riches™ in a property investment
matter WHAT some "self- system. Using the system it is possible to
proclaimed experts" might say! within minutes identify the risk and growth
potential in any kind of property investment,
anywhere in the world, and in any location. Once you have identified the risk and
growth in the property you can apply different management techniques in order
to lower the risk and increase the growth on your investment in that specific
property.
The next truth
"Enjoy the little things, for one day you may look back and realize they were the big
things."
- Robert Brault
Everything is not always as easy as it seems. Although my money began working

for me I soon realized there were other factors playing very important roles in
investment.

Page 15
I realised that the Formula For Riches™ and how to invest in property was only a
part of the Formula for Wealth Creation™
Although it is easy to make money with property if you know how, there is a far
better way to build wealth which creates the opportunity to live happily and in
abundance. This way to achieve your goals is called the Amazing Formula for
Wealth Creation™
What I want to do in this e-book is to introduce you to a formula

incorporating a few simple principles and strategies I have used over the
last 40 weeks to turn 79 cents into more than a R1 000 000 investment.
I believe that everyone, once they know the Amazing Formula associated
with creating wealth, success, and happiness, can do the same if they
implement it.
The number one reason why people are not financially successful is because
they are financially ignorant.
Let me explain. I have observed numerous

people who nurture anxiety and discouragement
..................my wife and I needed
to be exposed to different because they don’t understand how to make
thinking and Hannes was just their lives more prosperous. They do not know
the guy to do so. The Mercedes that there is a foolproof system called the
principle has been my missing Dynamic Lifestyle Management System™ that
link. The workshop has inspired can help them to the life they dream about.
me to look at a completely
different deal.................
Creating wealth is not about how hard you try, or
how intelligent and knowledgeable you are. It is
about being effective in doing the basics right consistently. It is these
fundamental principles I explain in my Wealth Creation Mentoring Course™
What I teach my students is that by following a system anyone can learn to live
his life in freedom and not as a slave.
What is a Wealth Creator?
"It is the heart that makes a man rich. He is rich according to what he is, not
according to what he has."
Henry Ward Beecher
It is the only profession in the world where you can learn to let your talents, time
and money work for you, to create, preserve and transfer wealth and have a life
of great abundance.
Here is the hard part: although the Amazing Formula for Wealth Creation™ is
simple it is not easy to follow.

Page 16
Why? It is of no avail reading about something or knowing what to do. The
difficult part is to actually apply what you know - and then to keep on doing it. In
other words, to be persistent until the application of an action becomes a habit. In
creating wealth it is better to do a little bit regularly than a lot only once.
How do you eat an elephant? One bite at a time. This simple principle is
applicable to wealth creation. Do the right things consistently.
When I talk about wealth I refer to it in the bigger scheme of things. I include
peace of mind, happiness, fulfillment and success.
Personally, I think we all are our own worst enemies. We limit our thinking. We
allow others to influence us by telling us what we can and cannot do. We allow
them to control our thinking and our belief system when it comes to creating
wealth and money.
In my journey of the past 40 weeks I wanted to

...Reviewing your lessons brought prove to the skeptics that you do not need
me to a new realization and that money to make money. That is why I
was the necessity of building a structured my investment in such a way that I
strong foundation. I have been could invest less than R1 – in fact only 79
growing on a spiritual and
emotional level, even if it did not cents.
yet show in my financial situation. I
was indeed preparing myself forI see that people do not know the power of a
success….I am grateful for having
rand. Can you imagine what we could do if we
found a mentor, I am grateful for
this process.
all had the ability to take just one rand and
convert it into R1 000 000 in less than 40
weeks? What do you think would happen to
our economy if each person in South Africa could learn to do the same? We
would be living in paradise.
The good news is that it is possible. You do not need a brilliant mind to do it.
You do not need a lot of money. I set out on this journey with less than one rand
to prove that it is possible.
You do not need to take any risk. In fact I am one of the most conservative
investors you can find and you will shortly find out why I say this.
What I have done – and what my mentoring students will confirm - is to apply
basic universal principles to let one rand work for me.
Just to make sure you understand the last sentence I want to repeat it. I used
basic universal principles to let the one rand WORK FOR ME.
AND THESE BASIC UNIVERSAL PRINCIPLES ARE INCORPORATED IN THE

AMAZING FORMULA FOR WEALTH CREATION™

Page 17
We have been trained to work for our money.
Is this not what we are doing when we go to
Two
… months
.The ago Iwas
workshop sawmind-
an
advertisement in the paper," school or university? We learn how to become
blowing. It literally took me weeks
Wealth
to absorb Creation - Free Seminar-
all the information and professional or we learn how to do a job. Why?
Cape Town". Needless todo
possibilities……Hannes, say
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attended
know whatand got one
is nice about hellthe
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the greatest Because we have never learnt HOW TO LET
everybody
mentor in thesucceed financially,
world giving us OUR MONEY WORK FOR US.
mentally and physically
guidance to also be successful (he trulyin
cares) and most of all he is
future.
genuine. Why will I not invest in Now here is the golden rule about money. We
somebody like that to teach me his have only two choices when it comes to
secrets? money. Either money is your slave or you are
the slave of money.
Thank you Hannes and your team
for giving me the opportunity to
live a life of abundance. Now I If you work for your money – then you are the
know what David Mc Nully meant slave of money.
when he said,” Even Eagles need
a push". If your money is working for you – then money
is your slave.
How do you tell which is which? Easy - if you have been working for more than
five years and you cannot afford to stop and maintain your standard of living then
you do not know how to let your money work for you. In other words you were
trained to be the slave of money.
In order to let our money work for us we must have some money. I call this a
surplus. Unless you have some money to work for you it is not going to work.
Why not? Because you will need that money in order to maintain your standard
of living.
Let me quickly define what a surplus is. You take your income minus living
expenses. If there is something left after you have deducted your living expenses
from your income we call it a surplus.
If there is not enough to pay for everything we call it a shortfall. In other words
most people cannot begin the process to become an investor – simply because
they do not have a surplus to start off with. They take money they cannot really
afford and invest it, but before the investment begins to work for them they
withdraw the investment (principal) or the gains on the principal. In general,
people do not give their investment a chance to become productive.
Perhaps I must explain a bit more. As a financial planner I saw that people will
invest in some kind of a savings plan BUT at the same time they have a personal
bank overdraft. What they are doing is not investing or saving because as far as I

Page 18
am concerned they do not have a surplus to
begin with. They live in a fool’s paradise. It is
Maybe the best way for me to like borrowing from Peter to pay Paul.
describe it is that if a picture is worth
a 1000 words, then your lecturing is
worth at least a 1000 pictures” You cannot begin to invest unless you
have a surplus.
………Hannes, thank you so far for
what you have given me. Amongst In order to become a Wealth Creator you must
other things, you have taught me
how to start implementing my vision.
have a surplus to begin the process of Wealth
It is true that it is more important to Creation. There are two ways to create a
give than to receive. You have also surplus. One is to learn how to become an
made me think of what I am giving to entrepreneur.
other people. This is an area in my
life that I need to work on, but I have
started with this journey, and I am Two ways to create a surplus
enjoying it everyday of my life.
"There are only two options regarding
commitment; you're either in or you're out.
There's no such thing as life in-between."
Pat Riley
Entrepreneur
Become an entrepreneur – that is someone who has the ability to take an

intangible such as an idea and turn that into money, or
Investor
Become an investor. The only way to become an investor is to learn what an

investor is.
An investor does not need to be an entrepreneur. To become an investor you

only need to have a surplus. In other words anyone can become a Wealth
Creator. As long as your income is greater than your living expenses you can
become a Wealth Creator.
By becoming a Wealth Creator you will be able to apply one or even both of
these methods to live a life of abundance.
The reason I teach people to become entrepreneurs is because there are ways
to increase your surplus without taking the risk of losing your money. The more
surplus money you have the easier it will be to start the process. But as you may
have realised by now, the amount is not the criteria. All you need is a surplus in
order to initiate the process.
Another reason why the people do not believe that money can work for them is
because they do not understand how to do it. Most people will hand over their
money to financial institutions with the idea that the financial institution can grow
their investment.

Page 19
If they do that - how on earth can they expect their money to work for them? The
institutions have total control over the money. They let your money work for
them. How can you say your money is working for you if it is not under your
control?
If perhaps you did not grasp what I have just said then I urge you to go back to
the previous section and reread it until you understand what happens with
investment money. The moment you hand your money over to any financial
institution your money cannot work for you any more. Money is the slave of only
one master. Money works for the person who is in control.
Once you have a surplus you can start on your road to financial success. For the
next step you need a simple system you can follow to invest in assets with the
potential to work for you. The harder these assets work the wealthier you will
become.
In order to become super rich you must learn how to TURBO BOOST your
surplus. You cannot turbo boost your surplus unless you can manage the risk
and growth on your investment. In other words you must take full responsibility
for your investment.
By taking small steps in the right direction you will be amazed at the incredible
difference it can make to the amount of wealth that you accumulate in your
lifetime. At the same time you will experience the benefits in the life of your
family.
You will truly experience what it means when I say that money is your slave. It
can make life a lot more enjoyable.
Free your mind, and your imagination – and enjoy feeling what it would be like to
have a million rand! That’s right R1, 000,000 - 40 weeks from now - starting with
only 79 cents.
The question then remains. How is it possible to invest 79 cents and turn
that into R1 000 000, 00 in less than 40 weeks?
"There are no great people in this world, only great challenges which ordinary
people rise to meet.
William Frederick Halsey, Jr.
Let’s Begin
"It sometimes seems that intense desire creates not only its own opportunities, but
its own talents."
Eric Hoofer
The Amazing Formula for Wealth Creation ™ is based on four pillars

Page 20
• The Eight Universal Laws.
• The Formula for Riches™
• The Mercedes Principle
• The Accelerator Principle
By applying the different strategies in relation to one another in a proven system

everyone can become successful. In order to manage it you need to know that
there are only three elements you can manage. Those are:
• Yourself – talents, gifts, skills and opportunities
• Your time and
• Your money
People differ and therefore reach different outcomes even if they apply the same
system. The main difference is the individual talents and gifts you have received
from God. By developing your gifts and talents and applying them to the Amazing
Formula for Wealth Creation™ you keep your individuality.
The First Pillar – The Eight Laws

Thank you for the opportunity that "In the confrontation between the stream and
you have given to all your students. the rock, the stream always wins... not through
I am an accountant and a certified strength, but through persistence."
financial Planner. I attended a
workshop at Monte casino after
seeing your advertisement in the The Eight Laws of a Successful
Sunday Times. Once I started Entrepreneur™ are about educating and
seeing your presentation of IRR and improving yourself. Unless you know and
other, I knew instantly that my apply these laws your chances of becoming
search for sound investment with successful in life are very slim.
minimal risk was over. In my
accounting and CFP studies I have
always known about IRR, Before you can become a Wealth Creator you
compound interest and all the other must want to be one. Unless you want to
wonderful financial terms. My change, these laws will have no impact on
problem had always been HOW to
you. Once you have made up your mind the
invest using IRR, eliminating the risk
and extending the asset base. journey can begin. And it always begins with
you, with your mindset, your attitude, your
After attending the workshop I took emotions. It is about how you manage
1 week off to reflect on how this new yourself, your time and your money.
knowledge should change my life
The problem with not having a system is that
your money, time and attitudes will be
managing you. The moment that something

Page 21
or someone else is managing you – you will never be able to live a life of
abundance and happiness. You will never reach your destiny because you are
not in control and you cannot manage the process.
I share all my knowledge and experience of the past 24 years with my students.
You could say I’m teaching them their PhD in life which will not take a lifetime.
People in general are uninformed when it comes to financial planning, mainly

because they were trained to think that it is very difficult. Financial planning is
easy if you do it the right way, and incomprehensible if you do it the “expert” way.
The reason the experts keep it as difficult as possible is because it’s the only way
they can keep financial control over us. We then have no control over our
financial destiny.
The First Law states that we must first invest in ourselves before we invest
a cent in any investment.
Most people do not grasp this basic law. They think they can use an expert to
help them. The problem with this is the fact that when it comes to your money
there is no one more qualified to look after it than you yourself. It is your money
and you need to take full responsibility.
The moment you hand your money over to an ‘expert’ what are you doing? You
abandon the Formula for Riches.
The Formula for Riches says that if you have a surplus you must be able to
calculate the risk and the growth on your investment in order to manage both
these variables. But, if you hand over your investment (surplus) you immediately
keep all the risk. Add to that the fact that you can do nothing to decrease the risk
or increase the growth, and you will understand why most people stay poor.
Let me take it one step further. Most people are confused when they hear the
word investment. They think that if they invest money with a financial institution
they become investors. This is simply not true. What you are doing is you are
saving your investment through the financial institution.
To become an investor requires you to actively manage and control your

investment. The only way to do that is to minimize the risk and at the same time
to increase the growth. This is directly opposite to what we were taught by the
educational system and in our professions.

Page 22
My application of the first law.
"If you are not generous with a meager income, you will never be generous with
abundance."
Harold Nye
The only reason I could accept this Wealth

Creation Challenge was that I know the
My husband did the Property
Investment course in Oct 2004. He Amazing Formula For Wealth Creation. I
walked out of there saying we must have seriously invested in myself and my
invest in ourselves. ….I cannot place “financial education” during the last twenty-
value on this information we receive three years.
weekly.
In this specific investment I had two risks.
It has given us insight into who we
are and how unproductive we have The first was the risk of losing my
managed our time and money. investment which was 79 cents. The other
……………..Joining the mentoring risk was R100. In other words the
course was the best investment we maximum I could have lost if it didn’t work
could have made and it is really a life out was R100.
changing experience for us. We find
by setting goals , helps us to cope
with our current job stress , as we But here is another interesting fact. The
know that we have a plan in place moment I can calculate the risk and know
and what direction we are moving. how to manage it, RISK DISSAPEARS. In
Thanks Hannes for teaching us and other words because of the first law “invest
equipping us with this knowledge,
just think how fortunate our children in yourself,” I can eliminate the major risks
are, to be part of this process from that life can throw at me. If however I do
such a young age. not know how to manage risk, the risk will
manage me. This is a very important
reason why people stay poor.
The most difficult thing to do in the Amazing Formula For Wealth Creation™ is to
invest in yourself. It takes time and effort. There are no short cuts. These facts
also show in the formula for riches. Time and effort is part of the formula.
It gets more complicated because by now, you know that the “financial
institutions” ways will not work. Ignorance will keep you poor. If you do not want
to invest in yourself and learn how to do it, you will ask advice from an “expert”.
Who teaches the experts? Can it be the financial institutions? What do they teach
the experts? How to sell their products??? Is this not a recipe for disaster?
Let us take a quick look at the training system. The world’s economy is based on
an outdated and false system that is based on a SCARCITY MENTALITY, yet
this is what most people believe. What am I talking about? Let me explain what
the scarcity theory is and where it originated.
According to theory that there are limited recourses and it has it's origin with
Tomas Malthus, an English economist in the early 1800s.

Page 23
"He believed that natural rates of human reproduction, when unchecked,
would lead to geometric increases in population: population would grow in
a ratio of 2, 4, 8, 16, 32, 64 and so on.
However, he believed that food production increased only in arithmetic
progression: 2, 4, 6, 8, and 10. It seemed obvious to him that something
had to keep the population in check to prevent wholesale starvation.
He said that there were two general kinds of checks that limited population
growth: preventative checks and positive checks.
Preventative checks reduced the birth rate;
Positive checks increased the death rate.
Moral restraint, vice and birth control were the primary preventative
checks. Moral restraint was the means by which the higher ranks of
humans limited their family size in order not to dissipate their wealth
among larger numbers of heirs.
For the lower ranks of humans (the
My wife and two sons now get to see POOR as we know them), vice and
a lot more of me because I have put birth control were the means by which
some of your lifestyle suggestions in their numbers could be limited - but
place……………….Hannes, I thank Malthus believed that these were
you greatly for making yourself
available to help people like myself,
insufficient to limit the vast numbers of
and the many others who have the poor.
invested in themselves by being part The positive checks were famine,
of the mentorship program.
My Friday’s are not the same misery, plague and war; because
anymore as I wait in anticipation for preventative checks had not limited
the update. the numbers of the poor, Malthus
thought that positive checks were
essential to do that job.
If positive checks were unsuccessful, then inevitably (he said), famine
would be the resulting way of keeping the population down. Before
starvation set in, Malthus advised that steps be taken to help the positive
checks to do their work. He wrote:
“It is an evident truth that, whatever may be the rate of increase in the
means of subsistence, the increase in population must be limited by it, at
least after the food has been divided into the smallest shares that will
support life.
All the children born, beyond what would be required to keep up the
population to this level, must necessarily perish, unless room is made for
them by the deaths of grown persons. ...
To act consistently, therefore, we should facilitate, instead of foolishly and
vainly endeavoring to impede, the operation of nature in producing this
mortality, and if we dread the too frequent visitation of the horrid form of
famine, we should sedulously encourage the other forms of destruction,
which we compel nature to use.

Page 24
Instead of recommending cleanliness
to the poor, we should encourage
…………….. At the free seminar I contrary habits. In our towns we
was instantly impressed with your
confidence and passion, no should make the streets narrower,
nonsense attitude, the discretion crowd more people into the houses,
towards negativity, your oratory skills and court the return of the plague. In
and especially your concept of the country we should build our
richness – the life of abundance in a villages near stagnant pools, and
balanced spectrum, not purely
financially ….Your courses and particularly encourage settlements in
mentoring have had definite all marshy and unwholesome
changing effects on my life and our situations.
family dynamics – I haven’t made
But above all, we should reprobate
millions yet, but I am surely building
specific remedies for ravaging
a basis to live a life of abundances –
abundance in all aspects. Please diseases: and those benevolent, but
keep up the great work! much mistaken men, who have
thought they were doing a service to
mankind by projecting schemes for the total extirpation of particular
disorders. If by these and similar means the annual mortality were
increased ... we might probably every one of us marry at the age of
puberty and yet few be absolutely starved.”
In Malthus' opinion, the masses were incapable of exercising moral restraint,
which would have been the only real remedy for the population problem.
“They (the poor) were therefore doomed to live always at bare subsistence
level. If all income and wealth were distributed among them, it would be
totally wasted within one generation because of profligate behavior and
population growth, and they would be as poor and destitute as ever.
Paternalistic attempts to help the poor were therefore highly likely to fail.
Also, they were a positive evil because they drained wealth and income
from the higher (and therefore more moral) ranks of society (The rich).
These people were responsible - either in person or through patronage - for all
the great achievements of society: art, music, philosophy, literature and so on
owed their existence to the good taste and generosity of these people. Taking
money from them to help the poor would deprive the world of culture.
Malthus studied the quantities of natural resources and then compared them to
the world population. Based on this limited information he concluded that there
were too many people for the limited resources.”
He then defined economics as the allocation of scarce resources.
Today most of the western world still accepts this concept as the truth
even if it is an outdated module.
Can you see where all of these sayings and belief systems have their origin?
Now why do people not query this limited resources belief. One reason is that we
have been trained to believe the “experts” - the professors and doctors and
chartered accountants and financial planners who advise us, and are considered

Page 25
by most people as “experts” We were trained to never question the right or
wrong, we just accept it as the truth.
We do not know how to ask the right questions.
"Before everything else, getting ready is the secret of success."

Henry Ford
Add to this the fact that we do not know how to ask the right questions and you
will quickly understand why we have to invest so much time and effort in
educating ourselves. We must break this limited belief system first before we can
begin to really learn about the economy, money and finances.
Unless we take action nothing will happen.
……………….With your Mentor Why then do the majority of people not take
Course, I could define my “end action?
destination” the one thing that make I think one of the main reasons is that they
all my goal settings, a reality. I could
determine my motivation, the drive do not know how to ask the right questions.
for my goals. The vehicle to reach my They have never been taught how to ask the
end destination will follow, as I get right questions.
more matured in the way of thinking
as an entrepreneur Another reason is the limited beliefs people
have. We all know where these ridiculous
ideas originates: “There is not enough” or
“money does not grow on trees” or “It is difficult to make money”
At the same time our belief systems flourish on inaccurate information like: “If you
really love me – you would do ……” or “No one cares about my needs” and so
forth.
People are sometimes so afraid to make mistakes or to be rejected. They are
afraid that they will look stupid. They will never admit that they do not know
something and therefore they will not ask questions.
I have seen in my workshops that professionals will keep a low profile and will
not ask questions in front of the class – they are afraid to appear ignorant. But
unless we ask the right questions how can we learn?
Another reason why people don’t ask questions is a result a low self esteem.
The last reason why we don’t pose questions is pride. We don’t want anybody to
think we don’t have all the answers. Truth is we do not have all the answers. We
never stop learning and we cannot learn unless we ask questions.
In other words we need to put some serious effort into “re-educating” ourselves,
to negate our limited belief systems and achieve our full potential.
In order to help you I want to reveal a couple of traits of successful people.
• They invest in themselves diligently.

Page 26
• They are persistent.
• They believe in themselves.
• They are willing to start small.
• They are willing to do something.
Be careful of wanting to know and plan for everything in the smallest detail before
you start. Do I have a surprise for you? You will never begin if this is your
attitude.
In real life we learn as we do. When I started

The story I submit today is actually a this challenge 40 weeks ago I had no idea
tribute to you as I can never in what and how I would do it. I JUST DID IT.
monetary terms repay you and even Or as the Nike slogan says “Just Do It”.
if I could I do not think that this will
have an effect on you at all, however
I think you deserve to know how Another false doctrine – or is it?
your unselfish act of sharing your
success, you Formula for Wealth "Don't be afraid to give your best to what
Creation, and the path you walk daily seemingly are small jobs. Every time you
with us, affects other peoples lives. conquer one it makes you that much stronger.
………………….There are so many If you do the little jobs well, the big ones tend
aspects of your teachings that I can to take care of themselves."
relate to, and I love the logic of it all. Dale Carnegie
The one thing that made me jump for
joy and change my life forever is The educational system teaches us that
PASSIVE INCOME! Wow!! I never
new it can be so simple … Passive
people are the most valuable assets and
Income gave me a new lease on investments of any organization. And
life…….. Thank you for giving us perhaps that is true for the corporate world
hope … God bless! but from an entrepreneur's point of view I am
not so sure about this statement. Why do I
say this?
As an entrepreneur I have spent many hours and much effort training people to
become extraordinary. BUT as soon as they have learned the necessary skills
what do they do? – They become demanding – and this can cost money, time
and resources. Many times someone else (organizations – head hunters) will
offer them a better “deal” and your investment is gone. In other words people are
not always an asset.
I have also experienced from a professional point of view that you can train
people, share trade secrets and as soon as they start to become successful, they
go on their own. Again your investment is down the drain.
So in this challenge I decided to concentrate my time and efforts on building

strong business and investment systems. Why did I do it?

Page 27
Because through systems an ordinary person can become an extraordinary
person. An average salesman can become a super salesman and a good
company can become a great company.
I have learnt that one extraordinary person is

worth a lot more than 1000 mediocre people.
We live in a fast changing world
where outdated formulas simply do I know that software programs (SYSTEMS)
not work any more. Hannes, you and are the solution to people problems. But I
your team augments technology and
take us to places we did not even
have also experienced that there are two
know exist – without joining you in systems. The normal system – and normal
the helicopter! You possess a rare does not work for a great business - and
talent of discovering and sharing intelligent systems.
invigorating ideas in a simple,
understandable way. Thank you for
sharing it with us!
If you can develop an intelligent system you
can train ordinary people how to use the
system. Here is the catch – an intelligent
system in the hand of an ordinary person will always produce intelligent - and
therefore extraordinary results. Why is this so important?
Because all you have to do is train a person how to operate an intelligent system
the moment you have one, you have a business. In order to grow the business
you expand the system or duplicate the system. You can literally explode your
business into a phenomenal business and become financially free in a very short
period of time.
Most entrepreneurs build a business around themselves. The business depends

on them. If they are not there the business will not survive. These entrepreneurs
are snowed under with work. The workload totally consumes them and the
business RUNS THEIR LIFE. They do not run their business – the business runs
them. These entrepreneurs are not free. They are the slaves of their business.
To make things worse if you are an ordinary entrepreneur there is a business

factor that will always work against you to keep you a slave. I call it the CEILING
OF COMPLEXITY. What do I mean by this?
My experience is that entrepreneurs are normally excellent at what they do. They
are focused and because they are good at what they do they excel. BUT they
can only do so much. There are only so many hours in the day. Once you have
reached that point you have reached the ceiling of performance.
There are different ways to increase your ceiling of performance but eventually
you will reach an optimum point. You cannot perform any better no matter how
hard you try. The only way to break this ceiling is to increase your fee or to
appoint more people in order to help you.

Page 28
By appointing more people you can overcome the problem of performance, but
you can create a new problem. If you do not make provision for it you will run
into the ceiling of complexity.
We create our own problems. The ceiling of complexity is no exception. How

does it happen? In a nutshell like this:
You appoint people. Over a period of time your focus shifts and before you know
it you are a manager – and you invest your time, effort and money in managing
people. One day you wake up and find you are appointing people to manage
people and then you appoint more people to manage the managers.
This is a natural transformation in a business but also a dangerous time, as it is

normally at this stage that you come up against the ceiling of complexity. Now
here is another truth. If you experience this you will know for sure that the
business is now running you. You are no longer running the business.
Ask yourself: “Does it feel as if you are the only one who really cares about the
business and that the people working for you are doing less than you expect of
them?”
If your answer to that question is “yes” then warning lights should go on.
How can entrepreneurs avoid this problem? You need to create a life, a business
AND investments that work for you.
The only way you can create a life that works is if you escape from doing the
routine work that is keeping you from experiencing the abundance of life. You
must build intelligent systems to eliminate the “routine and keep busy” stuff in
your business. You escape that by creating an intelligent system that takes care
of the tyranny of routine and gives the freedom that effectively saves you from
having to manage the drudgery.
Everything runs on a system. Life is a system. The universe is a system. An atom

is a system. Our body is a system. The relationship we’re having right here is a
system
I run all my ventures on systems. Because the systems work I am “free.” But at
the same time I know what is going on in any of my businesses on a daily basis
I am lucky that I have the best partners when it comes to building intelligent
systems. I am happy with what we have achieved so far in the 40 weeks. I know
that we can do a lot better – and I am glad to say that I see that everyone on the
team is doing more than is expected of them to make the Wealth Creation
Mentoring Course the best mentoring course in the world.
My software team is extraordinary, and some of the “behind the scenes” engines
they have developed are the most sophisticated engines available. Not only is

Page 29
the Mentoring process unique but we have also developed some very unique
systems during the last 40 weeks.
Because of one of the systems we

I sat there, speechless, listening developed to overcome a problem a new
to Joe’s life’s story. (I must admit, opportunity presented itself. You will
I wasn’t geared emotionally for
this experience.) I really felt sorry
experience this for yourself if you subscribe
for Joe and was touched by his to the referral website. By subscribing to the
story. Then out of the blue I referral website you will have started a
remembered one of the first journey on one of the most fascinating
things Hannes taught me. Never marketing strategies in the world, if you want
get emotionally involved. to become a wealth creator.
By then I knew that I wouldn’t be Will you believe me if I make the statement
able to help Joe to get out of his that you are actually earning an income just
predicament. On paper it looked because you are reading this e-book?
like a great deal but in reality the
SUM did not work.
Did I get your attention? I will explain
From the conversation we had it everything in the chapter two of this e-book.
was evident that Joe was in the
dark as to what is really busy Back to the challenge.
happening to him. To the best of
my ability and with the help of my In the Wealth Creation Mentoring Course™ I
brother Deon, we explained the teach my students many new truths and
process to him. This in itself was prove that the educational system is used to
a good experience as we could keep us poor. Unless you take full
see that Joe was feeling better responsibility for your personal NEW
knowing what’s going on. education and expend the time and effort to
absorb this new information over time, you
will not become able to do what I am doing.
Here are some the strategies I have used in the Challenge that you will acquaint
yourself with in the Wealth Creation Mentoring Course™
On top of that you will have to learn how to set and achieve your goals with the
Dynamic Goal Setting System™
You will learn how to use Personal Motivation to take you to the next level.
Get more done in less time and learn how to manage your time and money so
you have all the time in the world to truly enjoy your wealth. There is no sense in
making a lot of money if you cannot enjoy it. That is why we are Wealth Creators:
to enjoy the things money can buy.
Most people do not know what personal money management is. Instead of
managing their money, their money manages – and most of the time cripples –
them.

Page 30
You will also learn how to use different financial entities including Close
Corporations, Private Companies and Trusts.
The only way to safeguard you and your assets is by using trusts. As even
experts - Chartered Accountants, Attorneys, Financial Planners and the like -
clearly do not really understand the application and benefits of trusts and how to
use them to create wealth I include a course on trusts, tax loopholes of the rich
and estate planning as well.
As a Wealth Creator you are a person who has the ability to allow your money to
work for you – instead of working for your money. In order to create, preserve
and transfer your wealth, the only entity that can give you the protection that is
needed, is a trust.
Unfortunately with a TRUST - as with so many other things in life – you must
know HOW it works; otherwise you can burn your fingers.
I will share the techniques I used as an insurance salesman and broker that
helped me to be in the Top Of The Table in the world – a level only 0.1% of all
insurance salesmen and brokers in the world achieve. accolade)
I will also share my marketing secrets on how to use the internet and media. I will
show you how I created an ad in less than 30 minutes that has made me more
than R15 million.
These are a few of the strategies you will learn during the course that has helped
me to achieve the results I have in the Wealth Challenge™
What about the future – Can I predict it?
"You can have everything you want if you help others get what they want"
Zig Ziglar.
I cannot predict the future. I believe no one can - but I also believe that God has
given us a wonderful gift – the ability to make decisions. We are free moral
agents. We can choose.
If we choose the right actions and have the right system to guide us we can
make life a lot easier. If we want to become Wealth Creators the same truth will
apply. We must make the decision and then start the process of becoming
Wealth Creators ourselves.
As I follow a proven system I want to tell you what I am planning to do next in the
Wealth Creation Challenge.
Last month my PASSIVE monthly income was just more than R112 000. Not bad
if you take into account I started only 40 weeks ago with 79 cents. But in order for

Page 31
me to reach my goal the next step will be to at least double my income per month
over the next four months.
In week 40 I identified the next business opportunity. I am teaching my students

HOW to evaluate a business. I believe that I will double my Passive Income by
following the Amazing Wealth Creation Formula within the next 20 weeks.
Why don’t you follow my progress over the next 20 weeks to see what will
happen?
As I have said, if you are willing to take the responsibility and spend the time and
effort to understand the eight laws you are on your way to becoming a Wealth
Creator, provided you know and understand the second pillar of the Amazing
Formula For Wealth Creation and that is:
The Second Pillar – The Formula For Riches™
"Be such a man, and live such a life, that if every man were such as you, and every
life a life like yours, this earth would be God's Paradise."
Phillips Brooks
Unless you can apply this formula in any investment or business neither will ever give
you the return and results that you want. Unfortunately I had to discover this formula the
hard way.
Where:
$ = Want to become wealthy and stay wealthy
S = Surplus
G = Growth on your surplus
Ri = Risk involved in the investment or business
Re = Responsibility to manage the growth and risk
nm = Time and personal effort
Interpretation of the Formula for Wealth Creation
"If you want to succeed, you must make your own opportunities as you go."
John B. Gough
$ = Want to become wealthy and stay wealthy.

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"This nation was built by men who took risks; pioneers who were not afraid of the
wilderness, business men who were not afraid of failure, scientists who were not
afraid of the truth, thinkers who were not afraid of progress, dreamers who were not
afraid of action."
Brooks Atkinson
The greatest gift that we have received is the ability to take a decision. Unless
you make up your mind that you want to do something, nothing will happen. It
begins with an idea. And only if you decide to become happy, successful or rich
nothing will happen.
The same applies to becoming and staying wealthy. Unless you decide to
become wealthy you will not. But a decision alone will not help you achieve your
goal. You must act. You must do.
It is the same with Wealth Creation.
Most people have no plan or strategy or a way to reach their goals. The reason
why I developed the formula for wealth creation is to give you a guideline to help
you achieve this specific goal. There is a proviso, however: I cannot help you
unless you want to become wealthy.
If this want or need is strong enough you will do the impossible. For most people
it is impossible to become wealthy. This is backed by statistics. So what you as a
wealth creator want to achieve will be impossible for the majority of people.
Once you have made up your mind to become wealthy, you can continue. The
only way to become wealthy is to follow the formula and to act. Without action an
idea will stay only that. In the Wealth Creation Mentor Course™ you will learn
how to make your wealth creation ideas fly.
S = Surplus
"We are what we repeatedly do. Excellence, then, is not an act, but a habit."
Aristotle
What is a surplus?
It is excess money you have left over after you have paid your living expenses. It
is money that can help you build your wealth.
There are two kinds of surpluses:
Income: If your income is more than your expenses the difference

between the income and expense is an income surplus.
Capital: Normally when you do not need the surplus income it will become
a capital surplus. In order to become capital the income must vest in your

Page 33
name or in the name of the financial entity in which you plan to utilize it as
a surplus.
Before the income can vest as capital all taxes must be paid. There are different
forms of taxes and the tax laws of the different countries will dictate how much of
your income or capital will become or stay capital. After all applicable taxes have
been paid on the surplus income the remainder becomes capital. By using the
appropriate financial structures and entities it is possible to create more
surpluses.
The right tax plan (international tax planning) makes it possible to create a bigger
surplus even if your income and living expenses stays unchanged because you
are paying less tax on your total income.
We can therefore also say that a surplus has two faces, the first being income
and the second capital.
The formula does not state what the nature of the income must be. It can be
either capital or income or even a combination of the two.
The formula also does not stipulate how much surplus you must have to launch
your personal Wealth Creation. This contradicts popular belief that one must
have money (surplus) to make money. This is not what the Formula for Wealth
Creation™ says as you will see this shortly.
What is the function of the surplus?

The fist and main reason you need a surplus is to offset the risk that you may
have in any business or investment.
The second is to determine the pace of growth. Usually in a business or

investments if you grow too fast in relation to the surplus that you have available
you will grow yourself or your business or investment into a position where
changes in market conditions could cause you to lose everything you have built
up or created.
By managing the surplus against the growth and risk you will find the optimum
pace at which you can grow your investment or venture. Each individual or
financial entity has its own optimum growth rate. This growth rate will be
governed by the availability of income and capital surplus.
G = Growth on your surplus
"All the flowers of all of the tomorrows are in the seeds of today."
Chinese Proverb
Unless you can measure how hard your money is working, it is impossible for
you to know WHETHER it is really working for or even against you. Most people

Page 34
do not know whether their money is working for them because they do not know
how to calculate growth on investment. Most investment is based on emotion.
People base the choice to buy cars, houses, insurance policies and shares on
emotion.
For the past four years I have taught more than 6000 students how to invest in
property. Before the onset of the course, less than one percent of all my students
could point out a method to calculate the growth on a property investment and
less than 5% of those who knew actually had a system to calculate the growth.
This means that less than 0.05% of this group could calculate the growth on their
property investment.
The rest bought property based on emotion.
How can you avoid investing on emotion? You must find a system or program to
determine the growth of an investment or a business venture.
Measuring growth on surplus (personal investment)
This age will die not as a result of some evil, but from a lack of passion.
Soren Kierkegaard
In order to measure an investment growth in an endowment, retirement annuity,

unit trust investment or any fixed contribution saving instrument, one uses the
compound interest calculation (also known as future value).
This is a formula which calculates the percentage return you will receive.
The formula only works if there are these three variables:

• the contributions (the money you pay in) are fixed;
• the contributions are at regular intervals, and
• the cash-flow (inputs – that is either capital and/or income) moves one
way: into the account and nothing is taken out.
So now I am paying them a So it assumes that you are going to pay

`salary` every month to subsidise R1000 into the policy every month for a fixed
there pension and income. This period – no irregular payments and no
has kick started me into withdrawals. The compound interest is the
organising my life, to make difference between all the money you put in
something of it, for me later to be (over the entire period) and the final lump
able to retire. sum that you get paid out, in other words,
you put lots of little bits in, and you get one
I have now joined the mentoring
huge chunk out at the end.
program and am looking forward
to changing my life for the better,
in a more positive way. Problem with Compounded interest.
When any of the three above-mentioned variables change, the compound

interest rate calculation is inadequate. One has to use another mechanism.

Page 35
One way to do this is to use the Internal Rate of Return. (IRR).
Internal Rate of Return. (IRR)
"If you want to succeed in your Life, remember this phrase: The Past does not equal
The Future. Because you failed yesterday; or all day today; or a moment ago; or for
the last six months; the last 16 years; or the last fifty years of Life, doesn’t mean
anything...All that matters is: What are you going to do, RIGHT NOW!!?"
(Anthony Robbins)
According to the help function in the Excel spreadsheet the “IRR is the returns for
a series of cash flows represented by the numbers in values. These cash flows
do not have to be even, as they would be for an annuity. However, the cash flows
must occur at regular intervals, such as monthly or annually.
The internal rate of return is the interest rate received for an investment
consisting of payments (negative values) and income (positive values) that occur
at regular periods”.
Modified Internal Rate of Return. (MIRR)
“Returns the modified internal rate of return for a series of periodic cash flows.
MIRR considers both the cost of the investment and the interest received on
reinvestment of cash” according to the help function in the Excel spreadsheet.
My Usage of the IRR Function
As much as we did know, what I am using the IRR and not the MIRR. The
we learnt from you has been reason why I do this is because I want to
amazing, and our daughters can compare the return (growth) of my
benefit from all of that!! Thank investment in property to that of any other
You!! class of investment.
Over and above all that we are Because retirement annuities, fixed deposits,
truly focused on creating the life
unit trusts , pension funds, provident funds,
we believe we were meant to
have – happy and fulfilled, and it endowment policies and others are
is a truly uplifting thought to know calculated using the compound interest
that you can be happy, no matter method, I am using the IRR method of
what curveballs life may choose calculating the growth on any property or any
to throw. other class of investments.
Both the compound interest method and IRR calculate the growth of your
investment and therefore you can compare the two.

Page 36
Property has at least twenty seven different
Shortly afterwards, I saw an
variables with hundreds of thousands of
advertisement for the Hannes
Dreyer property course, and after
permutations. The only logical way to
discovering that my new friend’s calculate growth is to determine the IRR.
uncle had attended the course, I This can’t be done in a property investment
persuaded my new friend to join unless you have a system that will take into
me in attending it. consideration all the different permutations
relating to the specific property.
What an eye-opener – and a
culmination of all the seeds Once you have determined the cash flow on
planted throughout my journey a property it is possible to proceed to
thus far. I knew now what I calculate the IRR. Because a property
wanted – to be financially free
investment can consist of either income
and have my own property
portfolio.
streams or capital growth or a combination of
both, it becomes important to find a method
Best of all, I knew now too, how that can include both criteria.
to achieve it. Spiritually, I had
come to realize too, that we are Furthermore, some investors may wish to
not placed here for our own use their income as a pension and do not
amusement, but for a purpose, want to reinvest their income back into the
and that God could use me and property.
the finances I have and generate
for His use. Because the MIRR considers both the cost of
the investment and the interest received on
I joined the Mentor course when
Hannes started it, and have
reinvestment of cash we cannot use this
hungrily been going through his method to calculate the growth on property
weekly lessons. And of course, investments.
sharing my new-found ideas and
enthusiasm with my new friend, With the IRR the assumption is made that if
who happens now to be my there is income (positive cash flow) that
fiancée! God has been good to income will be taken into consideration
me, yet I know the best part still without reinvesting it back in the investment.
lies ahead…
In property the IRR is directly influenced by
So thank you, Hannes, for the cash flow and equity in the property at a
helping me onto and guiding me
down a path to a new mindset,
given moment (time intervals). In property
new challenges and, ultimately, the Cash flow (therefore the IRR) is mainly
to financial freedom! influenced by the:
• purchase price;
• market value;
• deposit;
• assessment fees;
• initiation fee;
• house owner's comprehensive Insurance;
• stamp duties;

Page 37
• transfer duties;
• deed office levies;
• rental income;
• inflation linked or not;
• vacancy rate;
• projected capital growth rate;
• projected inflation rate;
• bond interest rate;
• term of the bond;
• interest only or interest and capital repayments;
• property management fee;
• monthly expenses such as rates and taxes;
• special expenses;
• repair and maintenance;
• renovation costs;
• tax rate; and
• type of entity which owns the property (Personal, CC, Pty (Ltd), Trust).
If any of the variables change, one cannot calculate the return by any means
other than the IRR. It remains the same valid measurement, because it
measures everything that you put in and everything you took out, while the
compound rate assumes frequently in and once out.
The IRR can be used on any venture and any investment, so it is probably a
better way to determine the return of your investment in property than working
out the compound return. Because of the way the Property Pro Program™
measures the IRR it incorporates tax and all other variables related to property,
the ultimate result is very accurate.
Why make it difficult when you can use a system?
“The young do not know enough to be prudent, and therefore they attempt the
impossible and achieve it, generation after generation.”
Pearl S. Buck, The Goddess Abides, 1972.
I am sure most of my students will agree that it is a lot easier using the Property
Pro Program™ as a system to calculate the cash flow on a property investment
over a period of time and then recalculate the answer to make provision for the
IRR comparison rather than trying to figure out the mathematical way - especially
since you have to do a series of calculations to arrive at an answer.
To find out more about the Property Pro Program™ or the one day Property
Investment Workshop visit www.propertyschool.co.za.
Ri = Risk involved in the investment or business

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Yes, you can be a dreamer and a doer too, if you will remove one word from your
vocabulary: impossible.
Robert Schuller
Unless you can measure or determine the risk in an investment or business it is

best to avoid the investment until you can. This is because in investment risk is
more important than growth.
The mentoring course works and It is the risk in any investment that
will be successful here and eventually kills it. Few people understand
overseas because it comes at the risk and very few know how to calculate
right time, it helps us to overcome risk. As long as the investor is ignorant
the crippling inertia, it gives us the someone is going to make money out of his
tools to do the job for ourselves, it ignorance.
gives expertise and feedback and
encouragement and hope. It does
one more very important thing for Most investment decisions are based on
me - IT FORCES ME TO MAKE emotion as investors cannot calculate the
TIME TO REALLY THINK AND risk or the growth of the investment. They
THEN TO ACT! invest “because it feels right”.
My story is remarkable for me Not one of my more than 6000 students of

because I was fortunate to find the the past four years knew how to invest in
right source for the knowledge I property because none could calculate the
needed. I am one of those risk on a property investment.
professional people who are too
busy going to work to make money.
Some (especially the students with financial
Running an optometric practice
requires a hands on approach degrees) had fancy theories but could not
leaving too little time for family, calculate this risk. Why? Because there is
friends and other interests and I no system available to do so.
wanted more time.
In the eighteen years I was a professional
financial planner I never met anyone
(including actuaries) that could determine and calculate the risk of any paper
asset.
The reason?
Financial institutions would rather keep us ignorant when it comes to risk.
With any paper asset class of investment the financial institutions take no risk.
Do you realize when you sign any contract with a financial institution or give them
a mandate to manage your portfolio, you sign a contract in which they state that
they will manage your investment "risk free" from their point of view.
In other words if the market turns against them and they pay you less money that
you invested, you cannot hold them responsible for the loss.

Page 39
After attending your course, we Till recently the public believed they were
discovered the mistake of my “safe” if they invested their money in a bank's
property, and we stopped the fixed deposit and that it was a risk free
deal with the complex - we did investment. Now after the fiasco with
the math! We would have ended Saambou and BOE people realize those
up paying almost R4000 per deemed "safe" investments were in fact as
month out of pockets ...you are a risky as any other as there is always a
live saver!
chance that you can loose your capital. You
do realize no bank guarantees your
investment?
Only the intervention of the Reserve Bank and other financial institutions which
could have lost billions of rands prevented investors in "safe" investments such
as fixed deposits and even those with their money in call accounts from losing
billions of rands.
So people perceived as risk free an investment as risky as any other.
WHY?
The investor is the only one to lose as no financial institution takes any
responsibility for his investment and always leaves the risk with him.
Here we face a paradox. If we have a surplus to whom do we entrust it for

growth? We give it to the financial institutions or have "experts" advise us to
invest with the financial institutions for the best growth.
Who then is responsible for the risk? Always the investor. If the investment does
not perform the investor loses money, never the financial institution. Institutions
make sure of their risk free status by contracts and mandates.
I am not taking short cuts.

To confuse the investor even more, he must
Every time I think of quitting I subscribe and get license "clearance" from the
think about the success that is Financial Service Board (here in South Africa)
waiting for me on the other and other boards and government institutions
side. I am so positive about my overseas to invest. The institutions have
life like never before. I look different investment rules in place in order to
forward for each day when I am safeguard your investment.
going to succeed physically (by
loosing weight and have a lot of This is all legal jargon to blind you from the
energy), emotionally (knowing truth. The truth is, if institutions stick to their
that my family supports me all
rules and code of conduct and if they lose
the way) and materially
(Wealthy by your help). Thank money, the loss is passed on to one person
God for finding a Mentor like only: the investor.
you. Keep up the good work.
As a result we stay poor. The institutions are
not asset managers, they make their money

Page 40
by deducting administration, management and other costs and fees from the
investment to manage and to administrate it, but they never guarantee the
allocation amount.
Some financial institutions do offer a guaranteed minimum but the “guarantee” is

based on the assumption that they will still be around if and when your money
must be available (at the end of your contract with them)
Note I do not accuse financial institutions of any wrongdoing. I think they have an
important role to play to help the masses who do not want to accept the
responsibility or do not want to put in the time and effort - to save and invest for
their old age.
If you refuse the responsibility, not put time and effort into becoming wealthy, and
you are prepared to take the risk, then the financial institutions are the perfect
place to save you money. As long as you realize it is not as "secure" as you may
think.
If you accept the responsibility to create wealth then you will know that you
cannot separate the risk and growth on your surplus.
One important factor is to determine risk in an investment or business. There are

different definitions of risk. In terms of wealth creation it can be described as the
reality or possibility of losing capital or income or both. It is that easy.
The next question is which is the most important - income or the capital? In most
investment portfolios the capital determines the income. Thus the consensus will
be that capital is the more important. If so then capital is more important than
income in any paper class and therefore the risk is more severe if you loose
capital. Let me give you a typical example
If you have a fixed deposit of R120 000 and you invest it at 12% per year it will
give you an income of R1200 per month. If you need that R1200 to cover living
expenses then your income and your expenses are the same and you have no
risk. Should you however lose 50% of the value of the capital; your income will
decrease to R600.
If however you base your financial wealth on a module where income is not
dependent on capital then there is no risk (or
a very small chance) in losing capital. Your
Hannes, thank you for alleviating
our fears and god bless you and risk now becomes the risk of losing income.
yours for the exellent work you In other words risk will have different
are doing. meanings for different people. To become
financially independent your passive monthly
income must cover your monthly expenses.
Let’s take the following example.

Page 41
Let's say you have bought a property five years ago for R100 000 and it is worth
R200 000 today. Your rental income at this stage is R1200 per month after costs.
As in the previous example, you need the R1200 to cover your living expenses.
If the property market tumbles and you lose 50% of capital value - the value of
the property drops to R 100 000 - but you still receive a monthly income of R1200
then the risk of loosing the capital is not so great as if your property is still worth
R200 000 but your income from the property drops to R600. Should the latter
happen you have a shortfall of R600 per month and you must now start using
capital to maintain your standard of living.
If however your capital growth per year is more than your income loss per year
one could reason that you can temporarily subsidize the loss of income with the
capital gains. You can therefore make the assumption that if your capital gain is
more than your income loss, it is better to offset income in order to improve
capital. This line of thought led to a new financial concept: negative income
gearing.
What is negative gearing?
“If I can leave a single message with the younger generation, it is to lash yourself to
the mast, like Ulysses if you must, to escape the siren calls of complacency and
indifference.”
Edward M. Kennedy, speech, June 4, 1978, in Henry Steele Commager, ed., Our Day and
Generation, 1979.
Negative gearing refers to the situation where you borrow money to buy an
investment. The investment however does not create enough income to cover
expenses (i.e. interest on the money you borrow and expenses involved in
keeping your investment).
The moment the income is less than the expenses there is a loss on the cash
flow of the property. The nature of the risk changes because the nature of the
investment changes.
The biggest risk now becomes the repayments of the bond. If you do not have
the cash flow you cannot repay the bond and the financial institution takes back
the property.
The financial institution as a business is not interested in risky investments and it

will need to ascertain that you can repay your debt. As a general rule they will
only allow you a repayment equal to or less than thirty percent of your gross
income (including your spouse’s income) on a property or else they will take your
assets as additional security.
The interest rate as well as the term of the bond (or overdraft repayment) will
have a direct effect on the amount of money that they will lend you. If you apply

Page 42
for a bond of R 400 000 at 14% over a twenty year period your bond repayments
will be R 4 974.08 according to the amortization method. That implies that you
must earn a minimum income of R 16 580.
If the interest rate falls to 9% your

By making these values part of me, I repayments will be R 3 599 and your
did set people up for success and income must be R 11 996. As a result of a
the two opportunities was born out of lower interest rate you can now buy a
chaos. Your mentoring program has property to the value of R 552 843 for a
changed my behavior and the way I monthly repayment of R 4 974.08.
have operated. Therefore, this just a
short note to let you know, I really With an income of R16 580, the interest
appreciated the many hours of work rate at 9% and a term of 30 years you can
that you have put in to make it buy a property of R 618 178 or R 218 178
possible for many South Africans
and maybe someone else in the
more than when the interest rate is 14%
world to have fun and start living for and the term is 20 years.
the fun of it.
If any one of these factors change, it will
This mentoring program not only affect both the risk and the growth of the
applies to the entrepreneur but also investment.
for the intrepreneur that have a
passion to make a difference for his It is clear that risk will have different
employer, and be rewarded meanings to different people and the
handsomely. different ways of investing. Risk also
depends on your personal financial
P.S. You made me lose 26 KG of fat.
position, so what is risk for one investor is
not so for another.
What about risk in a business?
"If you don't have a dream, how are you going to make a dream come true?"
unknown
The same principles apply but we need a

Hannes, I`m very happy and we different method to calculate the risk. In
are celebrating. The first business there are more risks than in property
property is now registered in unless one follows the Wealth Creation
the name of the trust.
Mentoring Course™ in which I teach my
This brings me to a new level of
students to use a different form of business
satisfaction. Although we than the conventional business model.
obtained other properties, this
is the first in the trust. By following this method you can eliminate all
risks in this specific form of business. I have
I`m glowing used this business form to “KICK START” the
79 cent investment and have made more than

Page 43
R128 000 within three hours.
Other factors affecting risk.
Let us look at another factor that will determine the risk. If you need income to
maintain your standard of living then the consequences of losing income creates
a higher risk than losing capital.
If however you are not dependent on the income from the new investment your
risk profile again will look differently. In this scenario your biggest risk is to lose
capital. Your risk will vary according to where you are in the wealth creation
process.
My students will learn all about these two

Obviously you bombarded us processes during the Mentoring Course.
with many other major truths for
the rest of the day but this one If you are not financially independent and you
stood out. You demonstrated rely on your income your biggest risk is to lose
how what people say and your income or your job.
claim, mostly, is erroneous
assumptions/ conclusions and If you are financially independent and your
for the next week everywhere I passive income covers all living expenses then
went I heard these unfounded income is more important than capital except if
assumptions rolling towards you have invested in paper assets. Then the
me, virtually from everybody I
risk of losing capital poses a bigger risk than
came in contact with. You can
imagine what impact it had on income because the capital provides the
my own life and how I now view income.
things.
If the investor is wealthy and does not depend
on the capital to generate income then the
chance to lose capital poses little risk.
These arguments again confirm that risk has different meanings for different
people? What is the catch? This: unless you can determine your risk and
manage it you are always in danger of losing.
In the Mentoring Course I teach my students failsafe ways to determine all

investment and business risks as well as ways to offset them.
What is risk?
“In all the world there are no people so piteous and forlorn as those who are forced
to eat the bitter bread of dependency in their old age, and find how steep are the
stairs of another man's house.”
Dorothy Dix, Dorothy Dix, Her Book, 1926

Page 44
Risk is detrimental to an investment. Unless you can calculate risk in any
investment or business you cannot make an informed decision as to whether it
will be a good or bad investment.
It is impossible to calculate the risk if I accept all the risk. If I do that there is no
need to calculate it. Isn’t that exactly what all investors in paper assets do all the
time? They take all the risk. The financial institution takes none.
This arrangement puts the financial institution in the driving seat because we
accept unconditionally what others prescribe we should think and do with our
money. We do not want to take responsibility for our own financial well-being.
Your challenge notes (Lessons The interesting part is that the investor
and Practical) I find very carries all the risk of the investment but has
informative and have learnt a no control and cannot manage it as the
great deal from it so far. However financial institution controls the investment.
the one thing I had a major The investor has almost no say in where and
problem with is the type of how the institution is going to invest, except
businesses you started. I thought perhaps for a mandate as to a specific kind of
yes of course you can do that, portfolio.
with your training and
experience, but we mere mortals
don’t stand a chance to duplicate As the most important factor in financial
it as we just don’t have that sort planning is to determine and manage the
of exposure/ experience. But risk, how can we as investors be so blind and
then I started to think what is neglect this in our daily planning?
there that I know stuff about that
can be use to start a business Probably because most investors were raised
with. in an era where they were trained to believe
that they have no say. Financial institutions
After some time two things came led the investors to believe a module exists
to ……. Thus I now realised that I with which the investors can determine their
can also duplicate what you are
risk profile. An investor completes a
doing on the business side and, I
am sure, that is what you wanted questionnaire and the information he supplies
us to realise. is used to advise him what kind of portfolio
will suit him best.
These so-called risk profiles have no substance in my opinion except to lead

investors into the mistaken belief they have a say in managing their investment
risk. The risk profiles are at best based on emotion.
I have witnessed investors classified as conservative investors have their money

invested in a conservative portfolio where they lost more than people classified
as aggressive investors. The opposite also holds true.
Let me show you how the financial institutions determine our risk profiles and
how risk is defined by many experts.

Page 45
There are of course different risks associated with purchasing shares as an
example, but let us look at the definition of risk by some financial institutions.
Investment Risk.
“If you rest, you rust.”

Helen Hayes, Washington Post, May 7, 1990.
If you buy shares in a public company and it goes bankrupt you lose all your
money.
If you invest in your own business which does not make the grade, you may lose
everything you invested in it.
You can even do worse. If you signed surety for a venture you can lose a lot
more than what you have actually invested!
Market Risk.
“There is the risk you cannot afford to take, and there is the risk you cannot afford
not to take.”
Peter F. Drucker
The stock market runs on emotion and sentiment. You may buy shares in a
company doing extremely well but a crash on the stock market can make the
value of your shares drop. This has little relation to the performance of the
company in which you hold shares.
Lost Opportunity Risk.
“Everybody thinks of changing humanity and nobody thinks of changing himself.”

Leo Tolstoy
This is a real risk most “experts" stay nothing about. It works like this: you buy
shares and the price drops by 30% over the next month. Usually experts will
advise you to keep the share and "ride" out the cycle. If you are lucky and in two
years time the market returns to the original investment price some "experts" will
say you have not lost anything because you get all your money back. Most
people accept this reasoning.
It is blatantly untrue. If a real good investment opportunity presents itself and you
have kept your money tied up in the first investment, you lose the opportunity to
invest in the second opportunity.
I have seen this happen in other investment areas as well. Investors will keep a
property for example because of an emotional attachment and ignore a far better
proposition just because they "love" the location of the property.

Page 46
Hidden Growth Risk.
“Maintaining a complicated life is a great way to avoid changing it”

Elaine St. James
No financial institution will tell you about this. This is because no serious investor
will ever invest if they understand it. The hidden growth risk exists because all
future maturity values are projections. There just are no guarantees that it will
materialize.
In other words the investor cannot identify or manage the growth on his
investment. The financial institution has full control. The investor signed away
his responsibility to manage the investment
to someone who will not accept responsibility
My greatest achievement since
joining the mentoring programme to manage it. They take no risk in “managing”
is my change in attitude. I have your investment and NO REPONSIBILITY
taken control of my life. I am TO GIVE YOU A RETURN ON YOUR
putting myself first and taking INVESTMENT.
responsibility for my life.
All you get is a promise.
As a fully fledged business the financial institution is geared towards making

profit - whether you win or loose your money is your problem. That is the way
their products are structured.
What about the JSE (Johannesburg Stock Exchange)? The same principle
applies there. Brokers cannot lose. They receive their transaction fee, no matter
what.
The investor not only carries the "risk" of losing his capital investment but he also
takes the "risk" of no real growth on his investment even if it seems as if he is
"making" money.
If you earn 10% on your investment but the inflation rate is 15% you are losing
5% per year on your investment in real terms even if your investment is growing
nominally.
The risk then in the growth is that you as an investor have no say on how to
manage the growth on your investment.
What is REAL risk?
“I never see failure as failure, but only as a learning experience.”

Tom Hopkins
Real risk is the unknown. It is the way we deal with the uncertain aspects of
investment. If you cannot identify what can go wrong then you have a risk.

Page 47
Real risk then starts with ignorance. The moment that you can identify a risk it
is not a risk anymore because you can manage it. If you cannot identify the risk
then the risk will manage you.
If you have no control over the management of the risk then it becomes very
difficult to identify it.
Sometimes real risk hides in “confusing” financial terminology such as market

risk, financial risk and lost opportunity risk. All of these terms sound as if you
should know what they are but you cannot do anything to prevent them. It is no
good if you know what the risk is but you cannot manage it.
The financial institution transfers the risk to the investor no matter what it is
called.
If an investor understands this principle when he hands over his investment

money to the financial institutions then he accepts responsibility for the outcome
of the investment.
Let us look at some of the reasons for the confusion of the investor. The financial
institutions “instruct" the investor as to what risk is and how to manage it.
What is risk tolerance and how does it affect the investor?
The investor is conditioned to think that risk and reward goes hand in hand, the
higher the risk the bigger the return and of course also the bigger the chance that
the investor can lose everything.
The ideal investment is one that falls within

The business ideas are also your particular tolerance for risk and has a
starting to flow (mentally and potential rate of return that exceeds the
practically). There are normal growth for the amount of risk that
opportunities all around us, all we you as an investor are prepared to take.
have to do is “wake up and smell
the coffee!” I WILL find “that one When it comes to paper assets this is the
(or more!) idea that will give me truth. Wealth Creators take note. Now
the breakthrough I’m looking for!” this may seem like good advice to lower
Oh, and yes! I am definitely
your risk but be careful in your thinking. I will
“living my life with passion” and
“enjoying the ride!” I want to be explain shortly.
free! I WILL be free!!!
There are two different but proven strategies
Thanks to you Hannes and the to invest in shares (and unit trusts) to
rest of the team and to my dear minimize your risk according to financial
friend, of course, for opening up institutions.
my eyes!
Just about everyone has heard of the first
one but very few investors actually
understand it.

Page 48
Rand Cost Averaging.
“Earn all that you can, save all that you can, and give all that you can.”
John Wesley
If you invest R100 every month in a unit trust fund, in the months when the share
price is down your R100 will purchase more unit trusts than when the share price
is up.
In essence, it means that over a long period of time you will own more units
purchased at a lower price than you will own purchased at a higher price.
Thus the average price you paid per share is lower. If you paid R10 per unit trust
share in your first month and ten years later you sell all your units trust for R10
per share, there is a distinct probability that you will still make a profit.
Although the share price changes throughout

your ten years of investing the R100 per
But exactly here is where the
conflict starts – in my CA
month the average that you will have paid
education entrepreneur = risk. Or will be significantly less than R10 per share.
should I say
RRRRIIIIIISSSSSKKKKK!!!!! We If you had however taken the money and
shudder just to hear the word and invested it all at once, and ten years later the
will do everything to avoid it. In share price is exactly the same, then you
my brain I thus had a mental haven't made a cent profit. In fact, you have
block, where a man named lost money due to inflation. You get the
Hannes came in. original sum of money back, but it isn't worth
as much as when you originally invested it.
After seeing your advertisement
in the Rapport and attending a
free session, I immediately
The next tried and proven method of
enrolled for your mentoring investing is more sophisticated and until
course. Trust me, I fall into the recently wasn't even available to the average
“willing learner” category as per person.
your mission.
Modern Portfolio Theory
I applied many of your principles.
I started to spend hours and “There is only one good, knowledge, and one
hours with entrepreneurs, evil, ignorance.”
learning how they operate and Socrates
how to mitigate and almost
eliminate risk. I reprogrammed With the use of this strategy in your
my brain and as Gary Player investment module you could attain the
used to say: “The more you same rate of return with significantly less
practice the luckier you get”. risk. Conversely you can say that you can
get a higher rate of return for the same risk.

Page 49
The Modern Portfolio Theory basically acknowledges that different investments
perform differently at different times. So, if you divide your investments between
different investments, when one is down another is likely to be up.
One of the major benefits of this approach is that, in theory with the law of
averages, you should have one portion of your portfolio doing well at any given
time. Later in life, when you want to start spending your money, you don't need to
sell the investment that happens to be at a low point at that stage.
You allow the investment to continue through its cycle of recovery and you will
then sell those investments that had done very well.
An aspect of good money management that works well with the Modern Portfolio
Theory is to regularly evaluate your investment sub- accounts to insure that you
always stay invested consistent with your tolerance for risk.
How to calculate your risk profile?
“Don't mistake your career for your life.”
Standard procedure at most financial institutions is to complete a risk profile

before investing.
You answer questions such as:

"How would you react if your account dropped more than 10% in one
month?" Or,
"How many years before you will need this money?"
These questionnaires help the financial planner or broker (salesperson) to set up

your account from the beginning.
For example, a very conservative investor will

probably have a fairly small percentage of his
Hannes, I don’t think words can
total investment placed into "Small Cap"
express my gratitude towards stocks. These are small companies with very
what you are doing and what little working capital and are more risky than
change you brought to my life, companies with Blue Chip shares.
which obviously includes my wife
and future family. Maybe what I When we hit a part of the economic cycle that
should say is that your mission is makes small cap stocks really take off, your
to teach people how to get rich. portfolio gets out of line with your risk profile
because now small cap shares represent a
much higher percentage of your total
investment.
Modern portfolio management would re-balance your account on a regular basis,

like quarterly or semi-annually, by selling off some small cap stocks and buying
more other investments for your portfolio.

Page 50
You may have as many as ten or twelve different investment categories: long-
term bonds, short-term bonds, growth, blue chip, small cap, mid-cap, global
shares (of foreign corporations), real estate investment shares, commodities and
different sector shares such as energy, environmental or medical shares and
others.
Common investment mistakes.
"All difficult things have their origin in that which is easy, and great things in that
which is small."
Lao-Tzu, {BC 600-Unknown Chinese Philosopher
The single biggest mistake investors in shares make is that they almost always
buy and sell driven by emotion. They buy out of "Greed" and they sell in "Fear".
The stock market heats up at times. Investors get wind of this great opportunity
and a desire for quick money motivates them to buy. When the market makes a
major, or in some cases, just a minor negative correction, everybody panics and
sells. In other words, most investors buy high and sell low and lose money in the
process.
Every time someone is buying high someone is selling high, and every time
someone is selling low someone else is buying low. Guess who wins?
How can you avoid risk?
"I think luck is the sense to recognize an opportunity and the ability to take
advantage of it."
Samuel Goldwyn
It is unwise to invest unless you can calculate the risk potential in the investment.
As said before: if you do not know how to identify the risk you will not be able to
calculate it.
My best advice is: “If you cannot calculate the risk, don’t invest”
The biggest painful truth about It is really that easy, but most people are so
IGNORANCE is that YOU DON"T conditioned in their belief systems that they
KNOW THAT YOU DON"T KNOW. will simply not accept a word I am saying.
The truth about paper assets is you cannot

calculate the risk, no matter what any person wants you to believe. It is
impossible to calculate it because you keep all the risk but cannot manage it.
If this is the case: get out, stay out and don’t invest in that asset class or share if
you want to become a Wealth Creator. It is that simple. The best way to manage
risk is to know what it is. Knowing the risk you have already eliminated most of it.

Page 51
Risk is the unknown. Invest in yourself first; learn how to identify the risk before
making a decision.
Don’t be confused by "rand cost averaging" or the "modern portfolio theory" or

“how to calculate your risk profile”. These are all strategies to confuse you from
what the REAL risk is: handing over your hard earned money and having no say
in the management of the investment.
The exception to this rule would be if you know how to calculate the intrinsic
value of a share.
Re = Responsibility to manage the growth and risk.
"How far you go in life depends on you being tender with the young, compassionate
with the aged, sympathetic with the striving and tolerant of the weak and the
strong. Because someday in life you will have been all of these."
George Washington Carver
I am 10 weeks into the I repeat: it is impossible to manage the risk

mentorship course. To say I`m and growth potential in any investment or
not the same is not enough; I am business unless you can identify it. Once
changed, and continue to change you have identified the risk and growth
inside out. potential of any investment it becomes YOUR
RESPONSIBILITY to manage the risk and
I go through the lessons over and growth of your investment. No one else can
over until I internalize the gist of take that responsibility. The moment you give
the lesson. The lesson on the responsibility away you lose control.
income, profit and cashflow has
left me with mixed feelings. I was
depressed for a day or two,
A formula for responsibility is:
because when I did the numbers
on my current businesses I was E+R=O
shocked! I was happy, on the
other hand, that I now know Where;
where I am headed and what E = Event,
needs to be done to move R = Response to the event and
forward. O = Outcome
In other words if you do not get the outcome (growth) that you want on the
surplus then you can:
a) Change the event (the investment medium) or
b) change the response to the event (different strategy) or
c) change both the event and the response.
In short it boils down to taking action when it is needed to reach your goal.

Page 52
With paper assets you cannot change the response to the event and therefore
you cannot take responsibility for the growth of the investment. Someone else
(the financial institutions) will always control the outcome of the investment.
The only control you will have is to decide if you are going to invest or withdraw
your investment with the financial institutions.
Your responsibility then is to manage the risk to be as small as possible and the
growth to the maximum in order to optimize your investment.
How do you manage your risk down and growth up? Remember, in order to
become wealthy your risk must decrease or at least you should identify the risk
and then apply strategies and techniques to minimize it. At the same time you
must increase the growth potential by applying strategies and techniques. Unless
you can identify both the risk and growth you cannot manage it.
How do you manage growth and risk?
"You miss 100% of the shots you don't take."

Wayne Gretzky
The first step is to identify the risk and growth potential.
In the Wealth Creation Mentoring Course™ I reveal how easy it is to calculate

the risk and growth in any investment.
Once you have determined the risk and growth potential of your investment you
must benchmark it. In other words set the standard from where to improve.
In order to determine what growth you need on your investment you must first
determine what surplus you have available for investment. As you know there
are two kinds of surplus and they are of an income or capital kind.
Next you decide when you want the capital in other words over what period.
I have today (5 weeks within the Lastly you will have to determine what growth
mentoring course) realised and you need to achieve your objective. Let’s say
achieved one small thing that you need 50% growth on your surplus
`mentally` which had an impact compounded per year for the next five years
on a potential mistake I was to achieve your objective.
going to make. And that is to
WAIT and learn first before I The 50% will then become your benchmark.
pursue in any further investment If an investment cannot give you 50% growth
deals. on your surplus you will ignore it and if the
investment has the potential to give you a
growth of more than 50% you will consider it.
Next you decide what risk you are prepared to take on the investment.

Page 53
One way to do that is to decide how much money you are prepared to "lose" if
things go wrong. If you can afford to "lose" R1000 per month you use this as
your risk benchmark and you will not invest more than R1000 per month.
The next step is to use different systems to identify the risk and growth potential
of an investment. I have developed two systems - the Property Pro Program ™
and Wealth Pro™ programs – it also incorporates the Formula for Wealth
Creation™
Unless you have a proven system to identify the risk and the growth potential in
an investment, you cannot benchmark the investment so you cannot manage it.
The next step is to identify the asset class or classes that will adhere to your
benchmark.
Then apply different financial and life strategies to lower the risk and improve the
growth on your investment. The best strategies are those where you will
decrease the risk and at the same time increase the growth on your investment.
By managing the different strategies you

What you say is shocking in that must find the optimum balance between the
we always get conditioned by lowest possible risk and highest possible
"experts" that it is good to have a growth for your investment in that specific
negative cash flow, and who
class of asset or investment.
makes money in the end, not me
but the so called èxperts`.
You will learn more about this in the different
My opinion, these so called classes of investment section in the
èxperts` are experts in making Mentoring Course.
entrepreneurs fail, and enriching
themselfes. Maybe this is going Unless you can measure the results you
on for so many generations that cannot manage the strategies that you are
people just àccept` the way using to improve the growth and lower the
things used to be done. risk.
But yet again, as they say, if
This is also incorporated in the financial
everyone does it, it’s got to be
the `right` thing. This `right` thing
systems that I am using.
is definitely not good for myself
and my future, since I am the one The main objective then is to apply different
losing in this deal. The main thing strategies so that your risk becomes smaller
is that I made this `small` and your growth goes up.
realisation of investing in myself
FIRST and STOP continuing with Once you are applying different strategies
that so called popular `right` you have to manage them because of
thing. possible changes to legislation and in
economic, social and political environments.

Page 54
nm = Time and personal effort (Effectivity).
where
n = time and
m = effectivity and
effectivity m = PTq
where
P = physical resources and include your specific talents and gifts
T = technology.
q = power of the technology or system you use.
In my Formula for Wealth Creation™ I make use of the symbol m. This symbol
stands for effectivity and it represents a formula in a formula. m = PTq where P is
physical resources and include your specific talents and gifts. The T stands for
technology. The q next to the T represents the power of the technology or system
you use.
Unless you know how to become extremely effective in what you are doing, it
becomes difficult to sustain growth over time. The better the systems you build
the easier it will be to sustain growth over time.
What is the effectivity factor nm?
“Success is the result of good judgment, good judgment is a result of experience,

experience is often the result of bad judgment”
Tony Robbins
It is the relationship between time and effort. If you are close to retirement or
have little time left to reach your goal the
I have become an EXTREME only way to achieve wealth creation is with
OPTIMIST!! You have opened my more effort. So you will have to work harder
mind to such an extent that I know and more efficiently.
that nothing is impossible. Well
maybe there is only one There is a big difference between working
impossible thing, and that is for the
hard and being efficient.
devil to get into heaven. Other
than that everything is possible.
The “trick” that I am teaching my students is
that they must learn how to enhance the
power of PTq
T = technology. The better the technology you use the easier the work usually
becomes. At the same time the power of your technology will decrease the time
need to complete a task and so increase effectiveness.

Page 55
To optimize a business or an investment it is vital to discover and develop the
optimum application for the PTq formula in a given investment or business.
In any business or investment it is the lack of adequate effectiveness or

efficiency that leads to the ceiling of complexity. The ceiling of complexity is
discussed in detail later on in the Mentoring Course.
Effectiveness is the last part of the formula for wealth creation. This is the
process of optimizing the relationship between time and effort.
Time
"The difference between greatness and mediocrity is often how an individual views a
mistake."
Nelson Boswell
A fact most people ignore is that with Wealth Creation there is no such thing as a
quick solution. It will take time and the more effective you use your time and
resources (effort) the more dramatic the results will be.
Warren Buffet, the world’s greatest investor, has been working diligently for more
than 50 years to build his empire. It is important to note it takes time and effort
(work) – and therefore, he says, he has been WORKING willingly.
Hannes, thank you so far for what Most people do no want to wait that long.
you have given me. Amongst They do not want to put in the effort and they
other things, you have taught me don’t want to work. In the process they hop
how to start implementing my skip and jump from one investment to
vision. It is true that it is more another hunting for a quick solution. This
important to give than to receive. costs them money and they lose time.
You have also made me think of
what I am giving to other people. If you have a surplus and you can identify the
This is an area in my life that I risk and growth potential in an investment
need to work on, but I have and you have strategies in place to manage
started with this journey, and I am
the growth and risk but you do not have
enjoying it everyday of my life.
enough time, you will not become wealthy.
It is however sometimes possible to buy time. If you can be more effective you
can increase the results. There are four asset types:
• Paper assets;
• Tangible assets;
• Business assets; and
• Personal assets (talents gifts and opportunities).
The most dramatic results in improving effectiveness is when you combine your
personal assets with any one (or combinations) of the other asset types.

Page 56
Personally I have three questions I ask before I invest money or time in any
venture to ensure I will be able to effectively manage it. I learnt them many years
ago. They are:
• Is it possible?
• Can I make it happen?
• Do I have control over it?
If the answer to any of these questions is “no” it means I will not be able to
manage it and I may loose a lot of time and money or both in the investment or
business.
About 1 year after the formation
of our investment club I finally
gave into the lure of your ad in a I believe that by asking and answering these
local newspaper amd attended questions an entrepreneur or investor will be
one of your seminars. We were able to control and manage the effectiveness
very impressed and immediately factor of the investment or business.
realize that there was a more
thorough way of approaching It is not to say that you must be able to do the
property investment. We sent work. Most people associate work with
one of our members to the full effectiveness. That is simply not the case.
day seminar and are getting By taking and managing the responsibility
feedback in three days time.
and by creating systems you can manage a
The remodelled approach to my company without doing any physical work
life has made it a pleasure to get yourself.
up in the morning and go to work.
I have set a date for me The saying goes: “he who controls the money
retirement in 10 years time (the makes the rules”. With Wealth Creation this
day before my fiftieth birhday) but is true. Once you have systems in place to
I am also going to enjoy the control the cash flow and the people, you are
journey with family and friends! managing your investment or business.
The outcome must be positive.
“The only place where success comes before work is in the dictionary.”
If you cannot apply the formula (without breaking the Formula for Riches™) then
you know that the asset type or class will not help you create wealth.
The biggest difference between an entrepreneur and an investor is the

application of the SURPLUS in the Formula for Riches™.
An entrepreneur must learn how to create a surplus. Unless the business gives
the entrepreneur the ability to generate a surplus, it will never become feasible
and sustain the entrepreneur.

Page 57
An investor must have a surplus as defined in the formula otherwise he cannot
become a wealth creator. It is interesting to note that you do not need to be an
entrepreneur in order to become extremely wealthy. You can create wealth by
following the investment strategy.
You can be an employee and still become wealthy - on condition that you have a
surplus and apply the Formula for Riches™ to the surplus.
It is also possible to be an entrepreneur and remain poor. The reason is not hard
to find. Unless you learn how to apply the Formula for Riches™ and learn how to
let you money (SURPLUS) work for you, you will remain an entrepreneur who will
have to work for his money.
There are two ways to be an entrepreneur.

1. The conventional way. This is where you buy a business but you have to
keep working for your money. If you are not physically there to do the
work the business stops.
2. The wealth creation way. This is to build passive income without the need
to actually work in the business.
The main difference between the conventional entrepreneur and the wealth
creation entrepreneur is that the conventional
entrepreneur is working in the business and
……. Well, its July now and the wealth creation entrepreneur is working
following your advice I bought 7 on growing the business.
properties from one bank at the
beginning of March, got bonds for all Unfortunately many businesses fall in the
of them from another, rented them conventional category where business
out to service the bonds while
looking for buyers for the properties people become slaves of their business.
and as I speak I’ve sold 6 and
expecting registration as well as my A true entrepreneur must learn how to let the
R1.2m at the end of August!!! business and his money work for him instead
of the other way round.
The Third Pillar – The Mercedes Principle.
“The true measure of a man's wealth is in the things he can afford not to buy.”
Ralph Waldo Emerson
It is a strategy I have developed over many years. I teach my students how to

protect themselves, their time, minds and their assets. Unless you can build a
fortress around you it becomes very difficult to survive with all the negativity that
we encounter daily.
On the financial side it is about income and asset allocation. I teach my students
that they do not need capital to make money.

Page 58
The function of capital is to offset risk and to determine the pace of growth. If you
grow too fast you can run into serious problems like cash flow. If you grow too
slowly you will never become rich.
There are two kinds of a surplus. The first is an income surplus. The second a
capital surplus.
The trick is to allocate these surpluses in the

right proportion. In creating wealth there are
…………………. And today, three areas I concentrate on: Growth, Security
looking back at the transpiring
and a Life of the Fullest Potential.
events in my life the past 18 months,
I can say, 2004 was my best year
ever ... having had the heart-attack The way I allocate my surplus income is to
was the best thing that could’ve ever invest a third in any investment or business
happened to me, cause it brought that can give me the best growth with the
me out to search for the real true
things in life, which somehow, I
smallest amount of risk.
noted all the time, shines through in
your lessons. It is so inspiring, we Another third I use to repay any debt I may
are really blessed that there is have. Sometimes I do make use of techniques
persons in this short life, like called gearing. But this technique brings
yourself, that avail your time, energy
and passion, to show, demonstrate different risks.
and ignite ours within yourself, it is
there, it only needs to be ignited. I The remaining third is allocated towards
am so happy, cause I don’t smoke enjoying my life. We do not know how long we
any longer, since 29 Oct 2004, not are going to live. But if you spend too much
even 1 !!! I am on a road to my
BEST LIFE ever ! I love life, and I you will create a problem for yourself. So the
continue this program, with the “trick” is to balance, Growth, Security and
greatest of pleasure. Enjoyment. of Wealth.
Growth
“Where there is no vision, the people perish.”

Hebrew Proverb
Personally I use three types of asset classes to achieve my goal:
The first is my gifts, talents and the experience I have.
The second is property. I use the same principles and techniques I teach my
Property Investment students.
The third type I use is the Direct Business Response Business.
The quickest way to start generating income is to use the direct response
business. In any business and property the most important factor is the risk.
Again: unless I can determine the risk and know how to manage it, I will not

Page 59
invest in that class of asset. The only two classes of assets that allow me this
luxury are Property and the Direct Response Business.
I use a technique called Roll In to channel the growth into new and better
investments. I apply this strategy to roll in the 79 cents until it becomes R10
million.
"The road to happiness lies in two simple principles: find what interests you and that
you can do well, and put your whole soul into it - every bit of energy and ambition
and natural ability you have."
John D. Rockefeller III
Security
"What worries you, masters you."

Haddon W. Robinson
There are two ways to build security. The first is to identify all risks associated
with the investment and then learn how to manage it. The second way is to
eliminate debts. The more equity you have the smaller the risk to lose your
investment or capital.
The second Law states that income is more important than capital. This is very
important. Many businesses with lots of potential simply did not make the grade
and the main reason was a lack of cash flow, or sometimes the cash flow was
there but the business owners simply “strip” the business of its cash flow - their
personal requirements were simply too high.
By stripping a business of its cash flow you set yourself up for disaster. This
poses no problem for me. I do not withdraw any income from any business that I
run in the challenge. I simply do not need more income. I already have more than
enough passive income.
In the challenge I firstly determined the risk and decided how much I was
prepared to lose. The second thing was to develop a way to generate income.
The next thing was to build a business system that could incorporate the Wealth
Challenge. The better the system you use, the smaller the risk and the more
security you have. Add a solid administration system and you can almost do
without personnel. Personnel impose different kinds of risks.

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The Fourth Pillar - The Accelerator Principle.
"There are two kinds of men who never amount to much: those who cannot do what
they are told and those who can do nothing else."
Cyrus H. Curtis
The magic is in how we optimize what we have

Earlier this year my wife and I
and how we exponentially accelerate what
decided to apply what we`ve
learned from attending assets we have to grow in the fourteen areas of
Hannes Dreyer`s courses. It our life. I teach my students these principles in
meant taking bold steps but the mentoring course. This accelerator principle
we did it. We paid off our debt is very evident in the financial side of our lives
and soon after bought our first because by applying it anybody can retire in less
and more recently, our than five years on condition that they know and
second investment property. apply the Amazing Formula For Wealth
Our goal was to have two Creation.
properties by the end of 2005
- it looks like we will end with
If we look at retirement planning for example
five!
there are only four asset classes that we can
Having followed the mentor use in order to help us speed up the process.
program, I have learned more
about myself and have the Like financial planning, retirement planning is
confidence to apply what I very easy but the experts complicate the
learned to the benefit of subject. What you have to do to retire wealthy is
myself, my spouse and more to understand how to use the right asset classes
importantly my community. I and how to accelerate them so that you can
CAN achieve my goals and retire in less than five years.
now know I WILL achieve
financial freedom.
Before you can use the right asset class let me
quickly tell you what they are:
The first asset type is what I call “paper assets”
“Even if you're on the right track, you won't get anywhere if you're standing still.”
Will Rogers
This typically are financial assets including Pension or Provident Funds, Deferred
and Preferred Compensation Plans, Preservation Funds, Retirement Annuities,
Shares, Unit Trusts, Endowment policies and Fix Deposits.
Personally I do not invest in any of these paper asset classes because I cannot
apply the formula for riches to any of them. They are designed by financial
institutions to at best help you to become financially independent over a forty to
fifty year period - if you are very lucky.
I am not saying that you should not include them in your asset structure. But if
you want to become wealthy in less than forty years, these asset classes are not
going to work for you, unless you have a lot of capital to invest.

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The second asset class is called tangible assets.
“There are two times in a man's life when he should not speculate: when he can't
afford it, and when he can.”
Mark Twain
Diamonds, gold, coins and other tangibles fall in this asset class. Personally the
only one I use is property. The reason I do so is that I developed a system in
1987 called The Property Pro Program™ that helps me to identify the growth and
risk potential in any property in the world in less than three minutes. Furthermore
I have developed different strategies to lower the risk and increase the growth
potential on any property investment.
I have also built systems to buy property for free. This I teach in Property Pro
Trust and for more information you can visit www.propertyschool.co.za.
What most property investors do not realize is that there are four different ways
to invest in property.
Paper Assets:
This is where you buy a share in a public company. I do not like this type of
investment because I have absolutely no control over it.
Development:
"Never bear more than one trouble at a time. Some people bear three kinds - all they
have had, all they have now, and all they expect to have."
Edward Everett Hale
This is a business and not an investment. I will apply business principles in the
Mentoring Course.
In week 40 of the Mentoring Course the first property – for development - was
registered in order to “teach” students the tricks of the trade.
Speculation:
“Life is a succession of lessons which must be lived to be understood.”

Ralph Waldo Emerson
Buying and selling has also been described as gambling. As long as the property
market is in a bull phase this strategy definitely can work, but history has proven
repeatedly the moment the market loses its momentum many so-called investors
burn their fingers.

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Long term investing:
"When life knocks you down, try to land on your back. Because if you can look up,
you can get up. Let your reason get you back up."
Les Brown
This is the only type of property investment in which I am interested. Property

School is built around this principle and this is what I teach students in the One
Day Property Investment Workshop. This is one of the best investments anyone
can make if he is interested in property as an investment.
The third class is called Business Assets.
"Without Adversity, without change, life is boring. The paradox of comfort is that we
stop trying."
John Amatt
There are two types of businesses.
Conventional business.
You work in your business and you work for the business. If you do not work,
there is no money. You are therefore the slave of your business and of your
money. You still have to work to make a living
Most professional people and businesses will fall in this category.
Direct Response Business™
Here you work on your business and you grow the business. The business gives
you passive income. This passive income is not dependent on you. When you
work, it is to improve what you have. The business is working for you.
I only build Direct Response Businesses™. It is easy, it is fun and it can make
you lots of money without “working” for it. The business takes care of itself. You
can be anywhere in the world and still make money.
In the mentoring course I show students how I generate ideas, work on my

business strategies and the setup of the systems – for free. Most importantly I
show them how to build this type of business risk free.
In the Entrepreneur's Development Program™ I teach people HOW TO

BECOME ENTREPRENEURS WITHOUT TAKING RISK or without giving up
their security.

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You do not need to take risks to become
. …….. We then applied one of your financially free.
financial strategies and instead of
paying R61 425-00 per month in the I have made use of this business model as
first year our payment was only my basis for converting the 79 cents into
R37,500-00 per month. The saving
of R23 925-00 per month or a
more than a million rand investment in less
saving of R287,100-00 for the first than 40 weeks.
year………..
Please do not confuse the Direct Sales
Business with the Direct Response Business. There is a very clear distinction
between a conventional business and a direct response business. Statistics
show that 86% of all conventional businesses will fail within the first three years
of operation. Not a very good background against which to start a business.
Your opportunities, gifts and talents are your greatest asset class.
Most people think they do not have any talents or gifts for making money. This is
simply not true. What is true is that people are not taught HOW to develop their
gifts and talents.
In the Eight Laws Of A Successful

….At the Presentation, Hannes Entrepreneur™ I will teach you everything
showed us a number of possibilities, you will ever need to know to become a
techniques, and things to keep in successful entrepreneur and how to
mind when you invest in Property. At “discover” your specific talents and gifts.
first I was skeptical, but as the
evening continued, I realised that
this was no story, this was reality! Using the Accelerator Principle to retire
..........And then the inevitable quickly
happened! I was Retrenched!
If I had not played attention to what This is where you combine different asset
Hannes was saying, I would have
been devastated at this time,
classes in the right proportion so your money
However …Thank you Hannes, you works for you in the right place at the right
saved our lives... pace. By using this strategy you could retire
in five years instead of forty.
By now you must be wondering what the biggest secret of all is. How is it
possible to invest only 79 cents and turn it into a million rand in less than 40
weeks?
Here is the only secret you will ever need to know to become extremely
successful
The Big Secret is: There is No Big Secret.
In books and articles on finance one continuously reads there is a “secret.”

The truth is there are no secret ways to move ahead financially.

Page 64
All you need to do is to apply the correct strategies and principles to your
investments to increase your personal wealth.
All these so-called secrets are attention grabbers. Unfortunately this “hype” sells.
The reason it sells is that people are all searching for the secret of a quick fix
which will make them wealthy immediately. Life does not work that way. Unless
you follow a proven strategy you will not become wealthy.
What is a “strategy”?
“When better is possible, then good is not enough.”
A strategy is simply a procedure or plan for implementing a correct set of “rules”.

The “trick” is to find the right financial principles or rules that will work for you. If
these principles are universal it means they will work for everybody anywhere in
the world.
The procedure to implement them is also called a system.
1. The first step is to have a surplus.
2. Learn how to let the surplus work for you. Reinvest the principal plus
the growth on the principal investment in order to build more surpluses.
Repeat the process. Follow the roll in system.
3. Take control of the investment and stay in the driver’s seat. You decide
what the return (growth) on your investment must be, as well as how much
risk you are prepared to take.
Why is the growth on an investment so important? Growth is expressed as a

percentage return on an investment. There are two things that we can do with the
growth.
Firstly reinvest. By following this method we can also say that we compound our
interest or growth.
The second option is to take the growth (interest) and enjoy it. It is also known as
simple interest because you do not reinvest your growth on the capital.
By reinvesting the growth on the capital you are compounding it. Let’s look at the
effect different compound growth rates (12%, 100%) will have on your investment
over a period of time.
The reason why I take 12% and 100% is to show you the difference between
savings (12%) and investing (100 %+)

Page 65
By becoming an investor you must learn how to determine the risk and growth in
an investment, learn different strategies to increase the growth and limit the risk.
At the same time you will have full control of your investment. If you do not get
the results you want, you can apply more effort and time to the investment (in
other words improve the effectiveness of your investment to get the required
results).
If you invest R1000 at different compound growth rates over different periods this
will be the results
Term in years 12% 100%
5 R 7,115 R 62,000
8 R 13,776 R 510,000
9 R 16,549 R 1,022,000
10 R 19,655 R 2,046,000
11 R 23,133 R 4,094,000
Most people are startled when I show them what the difference is between using
a traditional financial institution (saving) and becoming an investor (taking the
responsibility). Over a 10 year period there is a difference of more than
R2 000 000 and over 11 years the difference is more than R4 000 000. That is a
lot of money.
The “secret” is to take full control of your investment by becoming an investor.

Unfortunately for most people this is easier said than done, because they were
never taught HOW. Luckily there is an Amazing Formula For Wealth Creation™
that can help – if you really want help. BUT you have to spend time and effort to
learn to understand and to apply the principles that are incorporated in the
Amazing Formula For Wealth Creation.

Page 66
In my Wealth Creation challenge I determined my goal: Turn a R1000 investment
into R10 000 000 capital (Tax Free) I also determined the risk I was prepared to
take and the kind of growth I wanted to achieve my goal. (More than 530%
compounded growth on my R1 000 investment each and every year.)
The next step was to break this goal down and determine under optimum
conditions what the growth on my investment had to be over the next five years
in order to reach this goal. (Projected at 531%).
Initial Value R1,000
1 R 6,310
2 R 39,816
3 R 251,239
4 R 1,585,321
5 R 10,003,380
Other factors to take into consideration are Tax, Income and Capital Gains Tax
on each transaction. My goal of R10 million is after all taxes have been paid.
In other words if I could let my R1000 investment grow at 531% MY FIRST

TARGET WOULD BE R6 310 in one year. Remember we are fighting a mindset
here. Is there a voice telling you 531%? Impossible?
Don’t be fooled by that voice because over

Thank the mentor program is having a period of 40 weeks I have proved you can
a major impact on my life, the achieve far better results than the above
foundation has and is being laid, the because my 79 cents is worth more than R1
road ahead is exiting! million already.
BUT, this does not always work this way in real life.

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Why not?
Life and business are not a 100% predictable. What if I invest a R1000 in one
project and it does not work? I will never achieve my goal. In other words I have
to make provision for the risk factor. I wanted more than one opportunity to make
it. In other words if I could limit my risk to a R100 I would have 10 chances to
start a Direct Response Business. If I could start this investment with less than
R1, I would have 1000 chances to try different business ideas.
There is another reason why there is a difference between theory and practice in
creating wealth. I call it the ceiling of complexity. Contrary to general belief you
do not need money to make money. IN FACT THE MORE MONEY YOU HAVE
THE MORE DIFFICULT IT BECOMES TO LET YOUR MONEY GROW (WORK)
FOR YOU. This phenomenon is explained in my Mentoring course.
So my yearly targets look a bit different.
Term in years Goal
1 R 1,000,000
2 R 3,000,000
3 R 5,000,000
4 R 8,000,000
5 R 10,000,000
One way to overcome the ceiling of complexity is to build systems to make life
easier and manageable.
In my formula for wealth I make use of the symbol m. This symbol represents
effectivity and it represents a formula, in the formula for riches.
m = PTq

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where P represents physical resources and
include your specific talents and gifts.
Hannes, thanks to your course,
you have given me the confidence
and knowledge to become The T represents technology.
financially independent, and I am
applying the knowledge I have The q next to the T represents power of the
gained. Your course fees have
been paid over and over again,
technology or system that you are using.
and I think you are giving your
students excellent advice and Unless you know how to become extremely
practical ideas to enrich their lives. effective in what you are doing, it becomes
Please keep on doing this difficult to sustain growth over a period of time.
wonderful work! You have really
changed my life!
The better the systems you build the easier it
will be to sustain growth over a period of time.
In the Mentoring Course I concentrated more on creating systems over a period

of 40 weeks than on any other aspect of building wealth. The reason is obvious.
It is easy to make the first million. It will be a different story to maintain this
growth due to the ceiling of complexity unless I have an EFFECTIVE system
(technology) to help me in the process.
Why was it easy for me to turn 79 cents into more than R1 000 000 in less
than 40 weeks?
Because I have studied and applied the

My curiosity about seminars and Amazing Formula For Wealth Creation™ for
workshops lasted until I saw a small many years. Practice makes perfect. The
advertisement of a free seminar in same is true for applying the Amazing
the news paper by Hannes Dreyer. I Formula For Wealth Creation.
did not Know Hannes; I then went
into his website in preparation for the
seminar. I attended, and my The fact is that you do not need to take risk
experience of the seminar was to become a Wealth Creator. I think this in
shocking. To be frank, I got very, itself was the greatest revelation when I
very scared to realize that ignorance realised that in order to become an
is like a terrible disease that also has
a deleterious effect. On that very day
entrepreneur or an investor one need not
I made a decision to take the take any risk.
opportunity that Hannes is capable
of offering, to learn as much as I can You do not need to relinquish surety or take
from him. I have attended his a chance to become an entrepreneur.
workshop - which I call the master
course because it does not compare
with any other course I ever I have done this before and I know that the
attended, well for myself anyway; Amazing Formula For Wealth Creation™
……………..If I had not come across works. So in a way it is easy for me.
that advertisement in the newspaper,
I would have saved/invested myself
into a hole. My encounter with My advice to you would be:
Hannes is helping me to manage
and reverse what would otherwise Follow the Amazing Wealth Creation Formula
be suicide in the making. by enrolling in my Mentoring Course – You

Page 69
will be saving yourself valuable time, money and effort in doing so
Otherwise –
Start small, with little risk, grow slowly and learn as you grow, and before you
know the little financial victories will motivate you to keep going and set higher
goals!
Let us return to fundamentals.
In order to become rich what are the steps to take?
Make up your mind if you really want to be wealthy.
Begin by investing in yourself and follow the eight laws. Without these laws it is
difficult to succeed and achieve your goals. I teach the eight laws over a period in
the weekly Wealth Creation Mentoring Course
Know the application for the formula for riches:
• Use a proven a system.
• You must know how to get a surplus. There are two ways to do it.
o By becoming an entrepreneur
o Through savings (live within your budget)
• Learn how to identify the growth potential of the investment
• Learn how to identify the risk potential in the investment
• Take full responsibility for the risk and growth. To do so, you must learn
how to minimize risk and optimize growth by applying proven
management techniques. Different strategies will be applicable to each
class of investment.
• It will take time and effort to become rich. The more time and effort you set
aside for your investment the better the results can be on condition that
you KNOW what you are doing.
• The better the system you can incorporate the quicker you will become a
true Wealth Creator.
TIP – never split the risk and growth because then you cannot take responsibility
or invest more time and effort to improve your investment.

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Once you know how the formula for riches work and you know how to apply the
different strategies, you will find your investment growing at an incredible rate. At
that stage you must change your strategy and switch financial gears I call this the
“Mercedes Principle”. Unless you know how to implement this strategy you will
find it very difficult to stay rich.
It is simple but not easy.
"There is no road too long to the man who advances deliberately and without undue
haste; there are no honors too distant for the man who prepares himself for them
with patience."
Jean De La BruyèRe
I hope this e-book will motivate you to become a Wealth Creator yourself. I often
tell people it is simple to become a Wealth Creator but not easy.
Why?
It is simple because there is a proven, working system - if you adhere to it. There
is NO MAGIC. If you follow the system you will get the results. But why is it not
easy? Because it requires persistence. People want quick solutions to their
problems.
Unfortunately real life works differently. You have to invest a lot of time and effort
to learn HOW to do it. And then YOU must take full responsibility for all your
actions and go out and DO IT. Most people will not apply what they know. They
hope and pray but lack the action part.
By applying the Amazing Formula For Wealth

Creation™ there are thousands of ways to
I have just finished watching the
Advance Refresher course for the generate wealth. I demonstrate it in the
second time now. Every time I have challenge as I have already launched three
watched it, it inspires me to become businesses and bought two properties – and
better and better. What have I learnt over the next twenty weeks I will show my
from Hannes? Let me quote a students how I am going to double the
phrase "In any contest between
power and patience, bet on monthly income in the Wealth Challenge.
patience." - W. B. Prescott. (Last month the income was R112 000)
That is why I now fully believe in To do this I am using 23 years of experience.

investing in yourself. I am not going to use my own capital. I
believe that most people will be able to
…………Thank you Hannes for emulate this (become Wealth Creators
getting me to think out of that box.
themselves) on condition that they invest as
much in themselves first, as I have done.
My hope is that once my students become familiar with sound financial principles
and strategies they will have enough confidence to explore different ways to
become Wealth Creators for themselves.

Page 71
Be wary of financial success formulas and secrets. They may require
considerable advice and support and the element of risk may be higher than you
can tolerate at this point in your financial planning.
What is the test to see if these “success formulas” work?
Simply ask the question: Will you depend on someone else for expert advice or
will you take full responsibility for the investment? There is a big difference
between teaching a person how to fish and catching the fish for him and letting
him pay each time he wants to eat.
If you accept responsibility you must answer the following very important
questions:
• Is it possible?
• Can I make it happen?
• Do I have control over it happening?
If your answer to any of the above questions is “no”, there is a 90%

possibility that you will break the formula for wealth creation and the
“success formula” will not work.
The main reason why I put the effort into the mentoring program is to teach
people that it is possible for everyone to become a Wealth Creator.
Plan your Work and Work your Plan
To achieve the first million I have used a set of what I know as “soft skills”.
Without knowing and applying these skills it would be difficult for anyone
(including myself) to truly become successful. Here are some of the skills that I
teach in the Mentoring Course.
• Effective time management
• Budget
• The power of purpose
• The art of selling is never to sell
• Goal setting
• Self motivation
• Advertising

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• Marketing strategies
What must you do to become as successful as you aim to be?
"The credit belongs to the man who is actually in the arena; whose face is marred by
dust and sweat and blood; who strives valiantly; who errs and comes short again
and again; who knows the great enthusiasms, the great devotions, and spends
himself in a worthy cause; who at the best knows in the end the triumph of high
achievement; and who at the worst, if he fails, at least fails while daring greatly."
Theodore Roosevelt
No one is going to do it for you. No one is going to take responsibility for your
financial success. You have to do it yourself.
I have had the opportunity over the past 23

My success is that I am beginning years to watch many people succeed.
grow gardens in the desert. No
deals yet, just doing the
impossible. So my success will How do they do it? It is not by waking up every
take a bit longer as does the morning with a smile on their faces and
impossible. Yet the taste is so winning attitudes. It is waking up each morning
strong it is as if it is just around the with a definite plan to achieve success.
corner.
Reach for the real life that you
were meant to live. May our Unless you have a plan and work your plan it
success stories continue to is not going to work.
encourage each other?
There is nothing that motivates us more than
knowing that we have a way to be successful. Success breeds success. One
little success leads to another. A wise man said; “Inch by inch life’s a cinch, yard
by yard it’s kind of hard.”
So here is what you must do right now:
“He who conquers himself is the mightiest warrior..”

-Confucius
Decide on your financial goal.
Is it your goal to accumulate a few hundred thousand or a million rand?
Be specific about your goal and then write it down on a piece of paper as a way
of committing yourself to the goal.
Set a time when you would like to have your goal achieved.
Try to be as specific as possible and write the achievement date on a piece of

paper below your goal.
Determine the risk you are prepared to take and stick to your decision.

Page 73
Decide on how you will achieve your goal.
......... and most importantly, I have
joined Hannes’ “MENTORSHIP If you decide to go the Wealth Creation route
PROGRAM”: I want to find many to begin your wealth-building journey, then
more “gold nuggets” of information make sure that you have the commitment to
in Hannes’ DYNAMIC LIFE STYLE put aside at least two hours a week for your
MANAGEMENT program, his
EIGHT LAWS OF SUCCESS, his
personal improvement. Visit my website and
FORMULA FOR CREATING find out how to enlist, and then begin.
RICHES etc., all being covered in
his “MENTORSHIP PROGRAM” Imagine the rewards and good feelings that
will come to you as you achieve your financial
Today I bounce out of bed knowing goals.
that my life will never be the same. I
promised myself a few weeks after
doing the “Property Investment Can you even begin imagining what it would
Basic Course” - “I will never be a be like not to worry about trying to earn more
slave to money, to people and to money so that you can pay more bills?
bad habits.” I am in control of my
own destiny. I will learn, change and
grow where I have to, so that I will Write down some of the benefits that will
never find myself in the sorry state accrue to you and your family as you achieve
of attitude that I was in 6 months your financial goal.
ago.
You too can make a difference to

The Wealth Creation Mentor Course is a lot
your own life. I encourage you to do more than just achieving financial goals. It is
what many of us have done, and about having a successful, balanced and
subscribe to Hannes’ fulfilled life.
“MENTORSHIP PROGRAM” as
soon as possible. There is no time
like the present. Kill procrastination Many people have put themselves into a
(a big stumbling block) and join better financial position by following these
today! simple principles and strategies for Wealth
Creation.
Many more could alleviate their money

problems and worries but do not take the time to learn and follow this proven
strategy.
Please, if you don’t do anything else in your life to increase your financial
prosperity, please do this one simple thing to get from 79 cents to one million in
less than 40 weeks
Tip – Unless you know and apply the laws, principles and strategies I teach in the
Wealth Creation Mentor Course it will take a lot longer to get up to speed
because you must first understand HOW to apply these different strategies to
your personal situation...
Did you notice the tremendous importance placed on using all your existing
resources? It is simply not possible to learn everything about everything, and you
don’t need to. But it is prudent to be aware of all the resources that are available

Page 74
and use them wisely. I give my students access to the same system I have used.
Some may regard it is an unfair advantage.
Most things don’t happen in life, not because we don’t want them to, but because
there is no plan to make them happen!
You must have noticed to plan is an essential step? A plan can be used to
accomplish anything you want to achieve in your life. This is extraordinarily
powerful and yet quite simple to use. The full sets of skills are taught in the
Amazing Formula for Wealth Creation™ but what you have learned so far will
take you a long way.
I repeat: my passion is to TEACH people how to become Wealth Creators.
I want to make your personal journey as easy as possible. So in the second

chapter I am going to lead you by the hand and show you how to get underway
to create an abundance of wealth for yourself and your family.

Page 75
CHAPTER TWO
How To Become a Wealth Creator

Yourself Without Any Risk.
Learn to get more than 1000% growth on your

investment in less than three hours

Page 76
Don’t take any risks.
In this chapter I want to show you how to help yourself become a Wealth Creator
without taking any risks.
I believe the reason not all people are Wealth Creators is because we are
financially ignorant and prevent ourselves from having it all. In other words, I
believe the only thing that stands in the way of your becoming whatever you want
to be, is yourself. The old you complete with your old habits and old attitudes.
The reason it is so hard to get rid of negative forces is that they have become
comfortable to live with. It is easier to say “It is too good to be true” or “it is
impossible”.
It is easier to listen to your friends, family, teachers or boss and do nothing to

take full responsibility for your life and live the kind of life you really want. I know
it is difficult to get rid of these negative forces because you have had them for a
long time. They are part of you. You have accepted them together with all the
nonsensical brainwashing like “I must have money to make money” or “It is
difficult to make money”.
It is for this reason that I took up the 40 week challenge. To prove once and for
all that this attitude is nonsense. You do not need money to make money.
The truth is rather: you must not be ignorant in order to make money.
The bad part of all this is that you have brainwashed yourself by letting others tell
you what can or can’t be done.
Wealth Creators do not accept things the way they “are”. They know they can
have it all and enjoy a life of abundance. They respect others and life. They know
they have the responsibility to make life what it can be and should be.
Wealth Creators take action. I have heard people say they “can’t.” They offer
countless excuses. What they really say is they “won’t” because they are not
willing to break out of their comfort zone. They are not prepared to take
responsibility and invest the time and effort needed to get whatever they want.
To become a Wealth Creator the only requirement is that you must want to. You
have to be willing to change, to accept the possibility that life could be a lot better
than it currently is.
Once you have decided you want to change and have a life of abundance, then
the Amazing Formula For Wealth Creation™ can guide you to achieve whatever
you dream of.
Do you really want to have it all - or is it only talk

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My passion is to help willing people become Wealth Creators. Unless you want
to, I cannot help you. Sometimes people are not ready or sometimes they simply
do not want to change. In that case I cannot help. You are not in that category
otherwise you would not have read this, so I know you want to change.
BUT HOW?
You must take action. Let’s see if you have it in you. If you “pass” I will take you
on the most incredible life changing journey. In fact I am so eager to help you
that I will go out of my way and break all my comfort zones to do so.
Here is what I will do.
A step by step guide to help you to help yourself.
Remember, I started my challenge with only 79 cents.
You have downloaded this e-book and therefore I am prepared to invest in you to
become a Wealth Creator. You will receive R10. This is my reward to you for
taking action.
A basic principle in life is that unless one does something, nothing happens.
I could have said that I would take up the challenge - but without action I would
not have converted the 79 cents into more than one million rand. Because you
have shown your willingness to act I want to help you by giving you the first R10
towards becoming a Wealth Creator.
You get R10 for just downloading the Amazing Formula for Wealth Creation - but
there is a catch.
If for some reason you have not downloaded the e-book for your own use I want
to urge you to do so now. Wealth Creators take responsibility for their lives and
they are prepared to put in the time and effort to achieve their goals.
Here is the first test.
Go to http://www.hannesdreyer.co.za/downloadebook.asp and download the e-

book.
May I show you how easy it is to get 1000% return on this investment? You can
only achieve this if you are a Wealth Creator. The requirement for becoming a
Wealth Creator is taking full responsibility for your own life by spending the effort
and time to realize your dreams.
So how can you make your investment grow by 1000%?

Page 78
You must make the R10 grow so that it becomes R100. How can you do it? Let
me show you how – but you must do it yourself.
After you have registered go to http://www.hannesdreyer.co.za/questionnaire.asp

and answer ten easy questions. For each question you answer correctly another
R10 will be added to your account in a voucher.
Don’t worry if you do not answer all questions correctly, you can go back (
http://www.hannesdreyer.co.za/questionnaire.asp ) and redo the answers until
you get them correct.
Why is this second phase important?
Firstly, I want to see if you really want to do this or if you are just talking. A talker
can’t become a Wealth Creator. Only people that take action can.
By now ordinary people have many doubts and find excuses. I know you are not
part of the masses anymore. I know that deep inside your “WEALTH CREATOR”
voice is begging you to give it a go.
Secondly, statistics tells me that the probability is less than 10% that you will
read this book even though you have ordered it. It is shocking statistics and I
want to prove that people who order the Amazing Formula For Wealth Creation™
are above average.
How will I prove this?
Easy. Everyone who downloads the Amazing Formula must give us their e-mail
address. You log onto the system using the selfsame e-mail address. The
system immediately “detects” you each and every time you enter the system. So
we built a database of how many people actually download the Amazing Formula
and how many people register to get the R10.
Once you have registered we will know how many people have read the book,
but I will still not be sure if you are serious about becoming a Wealth Creator so
that I can help you – therefore I have set up the next test and that is to “test” if
you have read the material – therefore the ten easy questions.
If you submit the answers, I have it on file and I know that you are a doer and not
a talker – the kind of material that Wealth Creators are made of.
So by now, you have R110 in your voucher. I get the information and I can prove
the statistics.
Remember my goal is to share this e-book with 100 000 qualified people before
the 1st November 2006. The only way I can prove that people who read my e-

Page 79
book are serious about becoming Wealth Creators is to collect data in this
manner.
What about another 1000% growth on your investment?
I know you are on your way and things will now become a little more intense
because you will have to read the e-book to see how easy it can be. In other
words you will have to take more responsibility, spend more time and it is going
to take a little more effort.
But I know you can do it. Listen to your “Wealth Creator Voice”
What is the purpose of the voucher?
I have developed different courses and ways to help people. All of these courses
have a common goal: to teach people how to become Wealth Creators.
I will also tell you about “tools” that are available to help you on your journey to
becoming a Wealth Creator. These tools are specifically designed to make your
life a lot easier.
The purpose of the voucher is to help you to create “funds” so that you can pay
for your education to become a Wealth Creator. The First Law of a Wealth
Creator is:
“Invest in yourself before you invest in any investment or business”
Normally it can be costly to “educate” yourself. This means that there is risk
involved. The risk is that you may lose your investment. By following my
instruction and doing what Wealth Creators do, you will eliminate all financial
risks.
Wealth Creators do not take chances and they dislike risks.
By doing it this way you are immediately eliminating risk.
HERE IS THE CATCH
Some services and tools to help you to become a Wealth Creator are not free.
You most probably realised as much.
Over the past two decades I have learnt if you really want to help someone you
must allow them help themselves and never give “real” value away. Unless a
person is willing to either put in the time and effort or pay for “real” value he will
never consider it such.

Page 80
I also know that you do not want a handout. Therefore I am rewarding you for the
time and effort you are going to take to help me achieve my goal.
Once you have enough value in your voucher you can cash it in for Wealth
Creator services or tools.
How do you use your gift voucher?
Use it to purchase tools or services from any of our registered sites. It may even
be redeemed for cash under certain conditions. If you have a purchase in mind,
you can use the voucher number as payment on our supported sites by clicking
here (http://www.giftvoucherserver.co.za/supportedsites.asp). If you prefer cash,
click here (http://www.giftvoucherserver.co.za/Redeem.asp).
Where can you use or tender your voucher as payment?
Your voucher is valid at any of our registered sites, click here

(http://www.giftvoucherserver.co.za/supportedsites.asp) to see the site list.
When does your voucher expire?
Your voucher does not expire. You can even use more than one voucher per
transaction, which means you can save up your vouchers and use them for one
or several transactions.
What happens if you lose your gift voucher!
If you have lost your gift voucher, click here

(http://www.giftvoucherserver.co.za/VoucherInfo.asp), and a replacement will be
sent to you by email.
How can you check the balance and numbers of your gift vouchers?
Click here (http://www.giftvoucherserver.co.za/VoucherInfo.asp) to get a list of

your current valid gift vouchers by email.
Why would I reward you for helping me?
As I have already stated, my first goal is to share my passion with as many

people as possible. If you read some of the success stories in the third chapter,
you will realize where I get my drive and motivation from.
Can you imagine what we would achieve if we help thousands of people become
Wealth Creators. What about teaching people the truth about abundance and
that God wants us to live a life of abundance?

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What about telling people about Tomas Malthus and the real reason why people
stay poor and ignorant?
What if we can change thousands of people’s perceptions and they take control
of their financial destiny? What if, because of what we are doing, the world
becomes a better place?
It all begins with a dream. In my case it began on 2 September 2004 with a

challenge that woke me up. I decided to take up the challenge. I am very glad I
not only took it up but decided to share it with as many people as possible.
To have a dream or a goal and do nothing about it is useless. I therefore took up

the challenge. My first goal was to change the 79 cents into R1 million in less
than a year.
I did it in less than 40 weeks – thanks to much grace, an amazing formula and
the help of incredible partners. Without the help of my partners I would never
have done what I did in those 40 weeks.
This experience taught me the value of having the right partners and people.
Without them on board my dream would have been just that: a dream.
Now I am ready to go for the second goal: to seriously help as many people as
possible.
There are two ways I can go about it. I can carry on with what I am doing OR I
can add a new dimension to accelerate the process and perhaps help you help
yourself (and me) by teaching you increasingly more about marketing and the
power of the nm in the Formula for Riches.
The nm represents time and effort that gives us effectivity. Effort is defined as
physical resources times
We have the most powerful technology of all time. Never in the known history
have we enhanced the power to communicate in an easy system as we have
built during the last 40 weeks in the Wealth Creation Mentoring Course™ .
I am willing to share this technology with you so you can grasp the fundamentals
of creating wealth. I will also give you free access to these systems if you help
me.
If you started from scratch to build the systems like mine that are at your disposal
free of charge and manage your own database, it would cost you more than a
million rand.
IT is yours for free if you help me.

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My next goal.
My next goal is to build a database of more than 100 000 people on the Wealth
Creation database, before the 1st November 2006.
BUT I need your help – desperately, because I know that it will be impossible
without your help.
Why would I like to build a database of more than 100 000 in less than one year
(Before the 1st November 2006)? We have set up systems to communicate and
educate unlimited numbers of people as long as we use the internet.
Can you imagine what we could do if all people become Wealth Creators. The
opportunities for everyone are endless.
More reasons for needing your help.
There are two kinds of people. Those who have money and those who do not.
Those who have money to pay for the Wealth Creations courses, services and
tools do not need to read the rest of this chapter.
If, however, you are not in this position – yet – I would suggest that you read the
remainder of this section as it may help you.
Not everyone who wants to learn how to become Wealth Creators will have the
funds to pay for the courses, services and tools that can help them to achieve
their goal. BUT everyone has the time, energy, initiative and ability. If you spend
your time and energy in order to help me then I will reward you, on condition
that you spend your reward to improve yourself by becoming a Wealth Creator.
You can help me with my marketing. To get a product or idea out to the masses
costs a lot of money. I have an accurate record keeping system so I can tell what
the advertising cost is of each service, product, or course that I present.
I would “pay” you rather than some of the national newspapers and advertising
houses. In fact, I have learned that word of mouth is a lot more effective than any
other marketing or advertising.
I will pay you by voucher.
In the process I want to teach you how to create your own database and how to
“mine” this database in order to create a passive income.
The difference between a passive income and an active income is that you do
not have to work for your money if you have a passive income. With a passive
income your money works for you.

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The Amazing Formula for Wealth Creation gives you a wonderful opportunity to
learn how to become Wealth Creators and it shares age-old truths with you about
wealth and abundance without taking any risk.
I want to give all people the opportunity to learn the secrets of the Wealth
Creators on condition that they help me. So no-one will have any excuse not to.
This brings me to the next point.
As a Wealth Creator I do not like risk. I want to eliminate risk. It is risk that kills
any investment or business opportunity. One of the risks that people take is
financial risk. They pay for something or an idea. If the idea, business or
investment does not work they will lose their money. This is called a financial risk
and is a very real risk.
The trick then is to position yourself in such a way that no matter what happens
you cannot lose financially. If whatever venture you get yourself into fails, you
must not lose your capital.
If you can “create” capital by investing in yourself or by adding value to someone

else by investing time and effort you will minimize the financial risk.
I do not want you to take any risks you cannot afford in the process of becoming
a Wealth Creator. This revolutionary marketing system has been developed to
get you to help yourself.
We spent many hours and much money developing a system - the first of its kind
in the world - to help as many people as possible become Wealth Creators. You
will learn more about this system later in this book.
Most people do not know what an investment is and what the difference between
investing and savings is. If you cannot determine the risk and the growth
potential in any investment, and you cannot take full responsibility for managing
the risk and growth and then you are a saver – you are saving your money.
If you can determine the risk and growth and have different strategies to lower
the risk and increase the growth on your investment by spending time and effort
as explained in the formula for riches, you are on your way to becoming a Wealth
Creator.
Of course I teach these principles as well as how to apply them in the Wealth
Creation Mentoring Course.
I want to give you the opportunity to get hands on experience of becoming an

investor by allowing you access to a system which will guide you to becoming a
Wealth Creator.

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If you have a credit on your voucher you can use it to pay for any of the services,
courses or tools my group provides in helping people to become Wealth
Creators.
How can you increase the value of your voucher?
If you are the FIRST person to refer someone to our referral website (without
spamming) to download the Amazing Formula For Wealth Creation™, then that
person will be allocated as your referral after he has downloaded the e-book or
subscribed to any of our services.
The only way we can keep track of who you refer to us is if you use our referral
server.
How does the referral server work?
You will be directed to a page that looks like this:
Refer a Friend
Person Referred
Name
Email Clear Values

E- MAIL ADRESS
Website Referred Select a Website to refer
You type in the name and e-mail address of the person you want to refer. You
will also have the option to “select” the service or website.
Once you are sure about the details of the person and his e-mail address you will
click the Make Referral button once.
Please wait till a message appears in the bottom text box that says
If you receive this message your referral has been successful! You may continue
with the next one.

Page 85
You can send the referral to the next person.
We are working on being able to “import” your database if you have more than
one person – but for the testing phase this will not be activated.
Please take note – because we are working from a referral service – no

spamming is allowed and we will monitor the process.
The auto responder will send out an e-mail to the person you referred from the
referral server with different messages – depending on the service or website
you refer. These messages can be updated.
If you send them an e-mail to introduce them to the Amazing Formula for Wealth
Creation your referral will receive an e-mail.
In the “from box” your name will appear

In the Subjects box they will see “Download your e-book “The Amazing Formula
for Wealth Creation”
And in the text
Dear “NAME OF REFERRED”
“I thought The Amazing Formula For Wealth Creation may be

of interest to you.
This e-book is mind-boggling and the author – Dr Hannes

Dreyer - shares his experience of how he turned a 79 cent
investment into more than R1 016 000 in less than 40 weeks
by using the Amazing Formula For Wealth Creation™.
I know it sounds too good to be true, but I promise you

will kick yourself (and me) if you don’t just take a look.
Hannes is passionate about teaching people become Wealth

Creators. He shares the most amazing truths about building
wealth and living a life of abundance in this incredible
book.
He has done his doctoral thesis on “Applying the formula

for Wealth Creation to Develop Entrepreneurs and Investors”
and his Masters on “Residential Property as an Investment
strategy”.
As he says “All the knowledge in the world is useless

information if you cannot apply it”

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Not only does he show you how he did it but he demonstrates
a very practical way how you can learn to become a Wealth
Creator Yourself - without taking any risks.
His definition of a Wealth Creator is:
A Wealth Creator is a person who knows how to let his or

her talents, time and money work for him or her, to create,
preserve and transfer wealth in order to have a life of
abundance.
But I must warn you – he will also tell you to take full
responsibility yourself for becoming A Wealth Creator.
There is no quick fix solution.
I would not send you this e-mail if I did not think that
you can benefit from at least reading the e-book.
Hope you enjoy it as much as I did
Regards
“YOUR NAME”
PS Read some of the success stories people have written

about this Amazing Formula and how it has changed their
lives in the third chapter of the book.
PPS Hannes has built a system to help you achieve your

goals and he will actually pay you to learn to become a
wealth creator yourself – enjoy the second chapter in the
book.
----------------------------------------------------
If you do not want to receive these referrals go to the

following website www.referralserver.co.za and click on
misuse.
Kind Regards
Referral Server Support

Page 87
What is the referral server?
The referral server gives you the opportunity to refer a friend to a site of interest
and at the same time earn referral fees for making these referrals.
How do I refer a friend?
In order to make use of the referral server you need to register by clicking here
(http://www.referralserver.co.za/Register.asp).
This registration is free of charge and anyone can register at any time.
Once your have registered you will receive your login name and password by
email. You will then be able to refer your friends to services, tools or websites
they may find interesting.
You do not have to have a website to make use of this service BUT you must
have access to the internet and have an e-mail address.
How do you earn referral fees?
Every website or service owner specifies the referral fee to be paid, in the form of
a voucher, for every registration on his website.
Once you have referred a friend and he or she has registered at the specified
site, or has downloaded the e-book, you will receive a voucher by email. This
voucher can be used at any of the websites specified by the website owner at
www.giftvoucherserver.co.za.
How do you protect your friends and yourself from spam?
Although we encourage referrals, we urge everyone who uses this service to only
refer a person who will find the website, services or tools promoted of interest.
Since we want to prevent this service from being used for spam we have
included an option where the person who made the referral can be reported for
abuse. Click here (http://www.referralserver.co.za/Misuse.asp) to read more
about the abuse service and how it protects you and your friends.
Furthermore, anyone who does not want to receive any referrals can specify this
on our exclusion list.
How much will you receive if you refer a friend to download the Amazing Formula
for Wealth Creation?
You will receive a R10 voucher for every person you refer and that successfully
subscribes to the Amazing Formula for Wealth Creation.

Page 88
To qualify for this additional R10 per person referred to us, there are four
conditions.
1. You must be registered on the referral server.
2. You must be the first person to refer the person via our referral server to
the Amazing Formula For Wealth Creation™.
3. The person must actually download the Amazing Formula in order for you
to qualify for the R10 voucher or any of our other services.
4. You must not use spam to let people know about the Amazing Formula.
This is all you do. Afterwards once the person you referred is activated you will
be informed how much your voucher is worth as well as which services you can
pay for with your voucher.
Let’s look at a practical example.
On the Referral Server I direct you to download the e-book the Amazing Formula
for Wealth Creation. The moment you download the e-book the Referral Server
tells the Gift Voucher Server to issue me with a voucher for R10. The Gift
Voucher Server creates a voucher and by Auto Responder sends a note to me to
inform me you have downloaded the e-book. Then R10 will be added to my
voucher.
At the same time you will receive an e-mail thanking you for downloading the e-
book and telling you about the R10 voucher (with a reference number) you are
entitled to because you have downloaded the-book. The e-mail will prompt you to
complete the questionnaire to add another R100 to your voucher.
All of this is done with no-one interfering. Because the process is automatic we
cannot run into a ceiling of performance or a ceiling of complexity. If one person
makes use of the service the system can handle it. If a million people make use
of the system at the same time it can still handle it if we have enough bandwidth
to handle the traffic.
In this way we not only solved a problem, we opened a host of new opportunities.
What if I use the system to market other services? In other words if the referral
service tells you about this wonderful opportunity to learn how to get 200%
growth on your property investments and you attend the One day Property
Investment Workshop?
The Referral Server will pick it up and inform the Gift Voucher Server that you
have attended and that I have referred you (the e-mail unique to you). If there is
an agreement between the service provider and the Referral Server the Referral

Page 89
Server will instruct the Gift Voucher Server to issue me with a referral fee. I will
receive an e-mail that you have attended and paid for the one day workshop and
because I have referred you I am entitled to R500. This R500 will be added to my
name on a voucher. I can redeem the voucher on any of the services on the
referral (and voucher) system.
This opens up endless opportunities and I will soon tell you more about them but
for today it is important that you register on the Referral Server (if you are not on
it already) and start referring all the people you can, to download “The Amazing
Formula for Wealth Creation” e-book.
If the person you refer is already on the system the Referral Server will notify you
that you are not entitled to any referral fees on that specific person (as someone
else referred him already). You simply move on to the next name.
Why is it important to refer your people as soon as possible? If you are the first
person and your referral downloads the e-book OR MAKE USE OF ANY OF THE
OTHER SERVICES ON THE REFERRAL SYSTEM the system will pick it up and
allocate whatever referral fee there is on that specific product to you.
Please make sure that you read the Terms and Conditions on the Referral Server
and the Gift Voucher Server.
AT THIS STAGE YOU CAN ONLY REDEEM YOUR VOUCHER TO IMPROVE

YOUR EDUCATION TO BECOME A WEALTH CREATOR.
Exception to the rule
YOU CANNOT GET A REFERAL FEE ON YOURSELF OR YOUR DIRECT

FAMILY (Husband - Wife)
If you are the first to refer a person (without spam) and the person make use of
the following services we offer, you will get the following referral fees via the Gift
Voucher server.
My goal is to build a data base of 100 000 people quickly with this system.
It will not be possible unless I use the power of PTq in the effectiveness formula.
Because we developed a system to increase the Tq it is not only possible to
increase the data base drastically but also to add a lot of value to every one that
joins by referring people to the referral server.
To accelerate the “P” in the formula we will freely make our system available to
any person who wants to refer us.

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WHAT IF YOU ARE A WEBSITE OWNER?
If you register as a website owner on our referral server you can also issue
vouchers and make use of our state of the art referral system.
Here are some of the questions that you may have- and answers.
How do I start to issue gift vouchers?
All electronic gift vouchers are controlled from one single point and once you
have registered here (http://www.giftvoucherserver.co.za/register.asp), you can t
issue your gift vouchers.
How much does this service cost?
The amount of vouchers you would like to purchase is unlimited and a 10%
service fee is charged on each issued voucher.
Can I see the amount of gift vouchers issued for my site?
Since you are registered on our site, you can simply log in here
(http://www.giftvoucherserver.co.za/login.asp) and view the amount of gift
vouchers issued.
How do I pay for the gift vouchers that I want to issue on my site?
You can make a direct deposit into the www.giftvoucherserver.co.za account and
this amount can be used to issue gift vouchers to the respective values of your
choice.
WHAT ABOUT THE REFERRAL SERVER FOR THE WEBSITE OWNER?
How will the referral server benefit me?
The referral server encourages users to refer sites to their friends and,
specifically, sites that would be of interest to them which makes this service a
powerful marketing tool. If the Website owner is on the Wealth Creation
Mentoring Course™ they will have the added benefit to learn during this course
how I used the Internet to set up a passive income of more than R3 million in the
first year of operation.
How can I get my clients to refer my website to their friends too?
Firstly, you need to set up an agreement for your website on the

www.giftvoucherserver.co.za. Once this agreement is in place, anyone who is
registered at www.referralserver.co.za can make a referral to your site.

Page 91
How much does this service cost?
You are only charged for actual referrals made to your site, 20c is payable for
each successful referral.
How will I know what has been referred?
The referral server keeps track of every successful referral and you can view this
by logging in here (http://www.referralserver.co.za).
How do I pay for the referrals that were made to my site?
You can make a direct deposit into the www.giftvoucherserver.co.za account and
you will also be notified of your balance at the end of each month.

Page 92
SERVICES AVAILABLE
Here is a list of services and tools that are available in order to help people to
become Wealth Creators.
You will receive a referral fee (voucher) if the person that you referred (and who
is linked to you) makes use of the service.
Downloads the e-book The Amazing Formula for Wealth Creation™. R10
Attends and pays for the Property Pro one day Investment Workshop. R500
Buys the Property Pro Beginners Course Audio CD’s. R60
Buys the Advance Course DVD’s (after attending the Property Pro R125
one day Investment Workshop).
Attends and pays for the Powermorphing Workshop (you yourself R500
must be a fully paid up member).
Attends and pays for the Financial Breakthrough Workshop. R1 180
Buys the Trust Course DVD’s. R125
Subscribes to the monthly Mentoring Program (as a paying member). R100 p/m
**** Other services will soon be activated

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You yourself can get vouchers for:
The first time you download the e-book R10
The first time you complete the questionnaire on the e-book. R100
**** Other services will soon be activated
**** Will be activated shortly.
NB If you are the first person to refer a friend and the friend “accepts” and
comes up as your referral you will receive the referral fee – whenever
he/she makes use of any of the services.
The only condition is that you did not spam them.
NEW SERVICES WILL BE ADDED ON A REGULAR BASIS AND YOU WILL BE

INFORMED PER E-MAIL OF ALL SERVICES AS WELL AS WHAT THE
REFERRAL FEE WILL BE.

Page 94
CHAPTER THREE
The stories behind the real story

Page 95
Here are the stories as I have received them
Hello Hannes
My success story is summed up as follows:
My name is Santosh T. Balgobind , 48 years old at 8am on 19 April 2005.
At 5pm on 19 April 2005 I became Santosh T. Balgobind, 28 years old.
If you want to know how this has happened to me then please read on.
I have been running my own business for the past 26 years, seen the ups and
downs of economic cycles, political changes booms and busts.
In the past few years I became disillusioned with the way things were heading
with regard the economic situation, political and labour regulations. My mind
stopped thinking and my outlook was getting negative and my enthusiasm was
getting lower and lower.
I knew that something had to be done to correct the situation.
One morning while reading the newspaper I noticed Hannes Dreyer's advert
about wealth creation through property. I got very curious and decided to make
some phone calls regarding price and content of workshop.
At first I thought that the price was a bit too high for a one day workshop but on
further analysis I decided to give it a shot. My thinking at the time was that if I
could learn just one thing that can improve my life that it would have been worth
it.
I phoned and booked 2 seats, the other seat was for my wife, you know she is
my backbone and I don’t think that I could have stayed from 8 to 5 without seeing
her.
I will not say much about the workshop because you have to attend one to really
get the feel and emotional enlistment that comes from attending the workshop.
I would just like to say that at 5 pm when I came out of there I was totally
transformed and felt 20 years younger.
My mind had grown younger, if there is such a thing like that.

Page 96
It is not so much in the facts being presented as I am sure many of us know them
already, but it is in the way it is presented and presented in a passionate and
realistic way that really got to me.
I have a degree in commerce and I have read for 4years towards my Master of
Business Leadership Degree, so my business knowledge coupled with my
business experience is above average, and still I missed out on so many things
in the last 26 years.
My brain woke up from a long sleep and I began to look at life and even my own
business differently, if fact I look at everything differently.
I now think in terms of IRR, am more positive, more enthusiastic, take action,
responsibility and calculated risks.
All this by just attending Hannes Dreyer’s ,One Day Life Changing, Grow
Younger, Get Energized, Live Happily, Keep Fit, Make More Money, Workshop.
In fact I cannot thank Hannes Dreyer enough.
I have a vacant piece of land which was idle for the past 18 years, paying rates,
etc of R8000 per year.
Within 2 weeks of attending the workshop I was getting R4000 per month from
that very same piece of land.
This first month’s rental paid the cost of my whole workshop.
This is why I say the cost may seem high but in real terms it is priceless.
Hannes is one powerful person who is willing to share his experience and
knowledge with others. You must have an open mind and be willing to learn and
experiment with new ways and ideas.
I also got the CD and am on the mentoring course, there is no end to learning.
It’s been only 4 month after the workshop and must say that the principles and
teachings do not only apply to property, in fact it is more applicable to business
and even to households.
I have since expanded my business with more than R1 million in investments in

machinery, opened 2 companies, with the intention of starting another business
related to my current field.
The other benefits of attending the workshop are:

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It made me a more relaxed person, I come to a conclusion after doing my
calculations and If something don’t work out I don’t worry because I know I did
my calculations first.
My relationship and interaction with others have improved, I even read some
parts of the newspaper which I never looked at before, looking for bargains and
motivated sellers.
I wish I met Hannes much earlier and would have taken advantage of all the lost
opportunities that I can recall.
So if you want to grow younger then don’t wait book for the next available
workshop and get on the road to happiness.
His teachings can be applied to all walks of life and to all types of businesses and
to Hannes I would like to say thanks again for giving me back 20 years of my life.
Regards
Santosh T. Balgobind
Friday, September 30, 2005 Santosh Balgobind
Success is the maximum utilization of the ability that you have

Zig Ziglar.
The Zeroth Law Started for us when I was retrenched in 1998. Our whole out
look on life changed and we decided to not be slaves anymore. This was the best
thing that ever happened to me - losing my job.
The 1st law then followed and we stared investing in ourselves. The first book
that really changed our lives was "The richest man in Babylon" by George S
Clason. His principles are priceless. We bought Robert Kiyosaki’s and Dolf de
Roos`s books and studied them. We worked through Stephen Covey’s "Seven
habits of highly effective people" and many many more. We started setting goals
and thinking differently. We stopped just existing.
We started investigating ways to make residual income and started a business in

web hosting and network marketing.
We were interested in the property market but we were unfamiliar with it and
therefore scared. We still had to learn to surround ourselves with people that
were like minded and people who had the knowledge of the things we wanted to
learn about. Finally in 2001 in took the plunge and bought 4 properties in a CC.
We had some spreadsheet that we used to base our decision on, but now in hind
site we were very lucky.

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We had not done our homework around financial structures and although we
thought we new what the risk and growth were we certainly did not take
everything into consideration.
We lived abroad for 3 years and when we returned I was told about your property
workshop by a friend who had attended.
I took the plunge and I am so grateful that I did.
With your seven laws of property investment you confirmed what we had learnt
about personal growth and development, you confirmed what we learned through
our first properties that this was a great way of building wealth and you did a
whole lot more than that, you showed me a way to REALLY determine the
growth and risk and gave me a way to take the emotion out of the deal. I want to
thank you from the bottom of my heart for being the sharing person that you are
and for sharing this wealth of information with me.
After attending your workshop and buying the software things changed even
more for us. We now have more confidence in what we do and know the right
questions to ask. We have taken control. We started building a network of people
around us to assist us with the right financial structures, we found a lawyer that
invests in property and before we chose we spoke to at least 3 of 4 people. We
never do any business with people who do not do the same as we intend to do.
This has proven to be so valuable.
We have bought 3 properties this year which are in a positive cash flow from the
word go. And just last week we bought our first “corporate” property. This is so
exciting and ALL made so much easier because of the information you have
shared. Thank you for giving our decision of 1998 to become independent wings.
Kind regards. Anne-Marie Sevenster.
Friday, September 30, 2005 Anne-Marie Sevenster
Koetoe and Marlene’s story (Submitted 30 September 2005)
Marlene and Koetoe met in 1986, Koetoe finishing his military service and
Marlene busy with her studies in science.
We had a few things in common – having a passion for passion, humble and
simple people, compulsively success driven, love for sport and nature (she into
the elements of water and he preferring earth [bushveld]), and finally a shared
deeper sense and search for the meaning” of life and being ness. Most important
– back then and still today, we had dreams (small ones, big ones, private ones,
impossible ones, realistic ones!). As self-starters and students, we also knew the
stress of financial shortcomings and still remember fondly the days when we
could not afford to buy a Coca Cola or a birthday present!

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By the time we got married in 1994, Marlene with a doctorate in science and
Koetoe with newly acquired entrepreneurial and business skills; we choose to
believe that the galaxy’s ever-expanding ends are the accepted limit in potential
and growth. (Energy can be transformed, focused or changed, but never
destroyed…..). We looked forward to a future of abundance, love, commitment,
and personal and professional growth. Being both success driven, we found
resolve in the Dale Carnegie’s, Steven Cowie’s, Edward de Bono and Marlene
even more in the more spiritual John Kehoe’s and As Man Thinketh. But still, one
glaring gap, one big missing ness from it all – being able to tie everything in our
lives into one harmonious “WHOLE”, which will relate and connect our jobs, our
thinking, our lifestyles with financial and personal well-being. We argued that
certainly tings so important and inter-related cannot stand separately and in
isolation from one another?
To make for even more interesting background, we both come from families with
strong tradition and a ‘right’ way of doing things, a source of great strength and
belonging but also great frustration to move out of the box and the conventional
thinking! Hence, we “invested” in our future by finding secure jobs, practice the
‘kids-thing’ with our pet dogs, saving up a bit, buying a home (unknowingly our
first investment in 1995), provided handsomely in a pension fund and balanced
the whole lot with some annuities and investments on a market with medium to
low risks. Yet, Marlene’s strong intuition (being aquariun born) and Koetoe’s
business and market trend interests indicated strongly to look else ware as well,
as we were missing “stuff”. We required a more focused approach, more clarity
on our life plan and maturity in our decision-making. We were “collecting”, but
with no clear benchmark on how well we are doing, whether we are doing
anything right anyway and why exactly are we doing the things we are doing!
In mid 2003, we attended the first Hannes Dreyer seminar and things “clicked”!
....if you’ve ever read “Faith Popcorn”, you will know that “clicking” means to
suddenly become clear or intelligible, in slang language it means to make a hit or
to score. It is like snapping your fingers and everybody becomes alert and aware
and pays attention! Basically, clicking occurs when all the pieces comes together
to make a wonderful clear sensible WHOLE. Anyway, Hannes’s first seminar
inspired to such an extent that Koetoe subscribed for the Introduction Course in
Property, went home and shared the new info with Marlene. From that we have
learned valuable lessons in applying our knowledge, being practical about it and
putting/maintaining things in perspective. We also were confident to such an
extent that we had Marlene’s provident monies paid out and we bought our first
property in 2003. Koetoe continued with the more advanced programmes offered
by Hannes Dreyer and spend his free time on his Mentoring Program and
software applications to which he subscribed. Subsequently, we bought six more
properties during 2003 to 2005 (most recently 3 weeks ago), and the excitement
grew with each investment. Above all, we found new depth in our communication
after 10 years of marriage, while constantly and consciously growing in
commitment to each other and our future, with amazing spin-offs in terms of our
mutual respect for each other’s support, courage and trust. Our 1995 3-bedroom
house have become inadequate to our new family (three kids, 2 great Danes, a

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live-in mom/dad and various others!), hence we are now planning our dream
home with a greenbelt valley view and a serene energy to balance our busy
lifestyles. We feel that we deserve this, and in hindsight – we are extremely
grateful and proud that we “hanged in” during our wealth creation implementation
phase. We are 37 and 38 years old, and happy with who we are and how we
contribute to earth and our society.
Not only have we gained much in equity and Rand worth, but our spiritual journey
and personal growth has been steady and satisfying – making for a total wealth
richness that we believe is one of our major life’s work achievements. It is
rewarding so measure our asset value from the day we married (R 18 000) to
what we are worth on paper today (R8.7 million). One of the most enriching
decisions we took, was to adopt the little girl who has been living on/off in our
home since she was 3 years old. Today, she is 13 – physically a beautiful and
balanced young woman, a leader at school excelling in academics, music and
singing. What a privilege it was to have made a contribution to such a young life
and clearly special spirit! In addition, her brothers of two and four just adore her.
They have added a total new meaning and dimension to our life and rates
highest on our list of blessings. Finally yet importantly, Koetoe increased his
shareholding in his company, with the cash created from our ventures – and the
business transformed from an R 24 million turnovers to an R 300 million turnover
in 3 years. Marlene, being a scientist at heart, but trapped in the corporate
environment of meetings, profiling, who is who, and too much politics and
administration made the BIG decision: to start her own business in the field she
enjoys most – sewage and water (one of her true passions in life), also funded
from the same wealth creation pot. O yes – allow us to mention one more great
thing that happened: from 1997 – 2005, we’ve been all over the world and we’ve
seen the best of Europe, US, Thailand, Japan, Vietnam, Amazon, Greek islands,
Mexico, Mauritius and some others. Koetoe created these for us through his
incentive achievements within his Company. The best place on earth still remains
our Africa, and specifically South Africa – our first country and home of choice!
We understand our shortcomings better than ever, and face some new
challenges and set new work plans for 2006 - one of them our physical well-
being and fitness and to provide better for our parents. Koetoe dreams about his
light aircraft pilot license and Marlene about her new business and mastering
some basic cooking skills (she is a terrible cook!). Looking back, our life has
been about constant learning, forgiving ourselves for our mistakes and not take
them too seriously, and appreciating the great highlights and constant small
successes. We are happy to have chosen Hannes Dreyer as one of our mentors
and guru’s (if you like) – and it worked for us. Of course, we will see you at Le
Cononnier-Mauritius and look forward meeting ye-all!
Kind regards
Koetoe Botha and Marlene vd Merwe-Botha

Friday, September 30, 2005 Koetoe Botha

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The greatest things are accomplished by individual people, not by
committees or companies
Alfred A Montapert.
I attended the property course in Durban on 20th August 2005, and WOW has it
changed my families and my life.
Firstly I signed up for the mentoring course and then started thinking òut of the
box` due to the challenges that Hannes set in the weekly articles. My youngest
son has altered his life completely - he is also thinking òut of the box`. We have
been so contained in a mundane life for so long that it is unbelievable that we
never did anything before. Whenever the family is together (as my sons don’t live
at home) we have brain storming sessions going on all the time, motivating each
other, getting new ideas and generally being positive. The family ties have
become stronger and everybody, my wife and my two boys have interacted
better and work as a cohesive unit. We now have friends looking at us strangely
and thinking we have gone completely mad with all the òut the box` thinking. So,
from a family perspective, we have definitely found a deeper love and bond for
each other.
We have also started investing in ourselves in terms of education. Motivational,

inspirational, entrepreneurial and finance books are being read around the family
with books being passed on from member to member. At the moment the books
cannot be read fast enough and there is always somebody waiting for the book
you are busy with. The whole family now has their own copy of Rich Dad Poor
Dad. We have discovered that we really need to understand our finances better
and to also understand property and shares a whole lot better. We have been
looking for property opportunities, however we have not found one yet. This is
just a matter of time as we are learning. We have visited auctions, spoken to
estate agents, spoken to banks about our ideas and also done vast amounts of
research on the internet. This is our investment in ourselves. By the way we
already have two free properties bringing in a nice income which were purchased
3 years ago.
We are already in the process of starting 4 business opportunities. Two of them

will be on the internet which will be costing us nothing as we have offered a split
on profits to a web developer. The first one is being launched as we speak, and
the second one will be dealt with shortly. One of the other businesses involves
the selling of products. These products are being sourced locally as well as from
India and China. The products from India and China are made from components
manufactured in South Africa that are exported from South Africa to India and
China and the local factory making the components is prepared to import the
completed products back into South Africa to promote their production facility.
They have approached us to just sell the products locally with them doing all the
importing, exporting and storage at no cost to ourselves. This business will

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probably start up in the next month or two. The next business is for the
manufacture of a product that we have designed locally. This product will take
some time to launch due to the complexity of manufacture. We might need a
partner to assist us in this regard as it is manufactured from aluminum which is
quite difficult to work with. Maybe we will get an investor interested and take it
from there - anybody interested? This has been or process to accumulate
passive income.
To sum up - we have had a huge change in our lives in just 5 weeks. I need to
thank a good friend of mine most sincerely as he asked me to join him on 20th
August 2005 in Durban to listen to Hannes. Oh by the way, we have taken a
huge turnaround in our IT business that we run which should start reaping
benefits in about a years time.
Cheers for now - it has been wonderful writing this article and I could go on a lot
longer.
Friday, September 30, 2005 Dave Griffin
My suksesstorie
My storie is nog ver van sy laaste hoofstuk, maar ek glo dat dit die moeite werd is
om dit te vertel tot waar dit nou staan.
Dit het begin met ’n erflating van my vader aan ons ses kinders. Ek en vyf jonger
susters. Dit is ’n vakansie-eiendom in Kleinmond wat vroeër as ’n privaathotel
bedryf is. Behalwe al die ander vertrekke is daar 17 slaapkamers. Dit is heelwat
langer as 60 jaar gelede gebou op twee erwe, met ’n derde oop een langs die
agterste erf. Die erwe is dus in ’n L formaat. Die voorste een is op see front met
’n asemrowende uitsig oor ’n rotskuslyn. Dit is ongeveer 250 meter geleë van die
swem gebied.
My vader het dit oorspronklik gekoop met die bedoeling dat ons as familie die
Desember vakansies almal daar saam kan geniet. Dit is toe ook so gebruik vir
meer as twintig jaar. Ons en ons kinders wil dit graag so behou, maar die
probleem kom in die hou van die gesamentlike eiendom. Hoe gemaak soos
kinders ouer word, die gesinne uitbrei, die families elkeen ’n eie karakter
ontwikkel en veral wat gebeur as een van ons ses te sterf sou kom. (Terloops
daar is al agterkleinkinders vir ouma, wat nog leef.)
My blootstelling aan jou kursusse, met die velerlei moontlikhede vir die
aanspreek van beleggings in eiendomme, het nuwe moontlikhede vir my
oopgemaak. Ons huidige plan is om ’n gedeelte van die ou gebou te sloop en
dan vyf nuwe dupleks dorpshuise aan die agterkant op te rig. Met die regte
beplanning sal almal van hulle ’n see uitsig hê. Die ou gebou word gerestoureer
en bly ’n enkelverdieping. Die eenheid sal ’n dubbeldoel dien. Dit sal gebruik

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word as die sesde wooneenheid, maar ook so verander word dan die leefareas
as konferensiegeriewe gebruik kan word. Gedurende Desember sal dit dan ook
dien as bymekaarkomplek wanneer ons almal saam wil kuier of gesels. Elkeen
van die ses gesinne sal eienaarskap van ’n eenheid kry, sodat hulle dan
onafhanklik daarmee sal kan handel. Ons sal wel ’n samewerkings ooreenkoms
hê wat die verhuring, verkoping en ander belangrike sake sal reël.
Nie almal van ons sal dit op eie fondse kan doen nie en ’n manier moes gevind
word om dit te oorbrug. Deel van die ooreenkoms sal wees dat ons die eenhede
sal uithuur aan vakansiegangers en ander dagbesoekers. Om die waarheid te
sê, die bestaande eiendom word reeds so verhuur, maar ons het ’n probleem dat
slegs een groep/gesin dit tans op ’n slag kan huur. Die ontwikkeling sal dit
moontlik maak dat tot ses verskillende gesinne dit op dieselfde tydstip kan huur.
Selfs ’n konferensiegroep sowel as ander los gesinne sal dit kan gebruik. Dit
maak die inkomsteverdienste net soveel meer buigbaar.
Dit alles klink goed, maar is dit finansieel haalbaar? DOEN DIE BEREKENINGS!
’n eerste aanvaarbare argiteksplan is opgestel en ’n voorlopige kwotasie van ’n
bouer is gekry. Na ’n gesprek met die plaaslike munisipaliteit en ander rolspelers
kon ons ’n bedryfskoste begroting opstel. Net so het ons die potensiaal vir
verhuring en die tariewe met ons huidige verhuringsagent uitgesels. ’n
Konserwatiewe scenario vir die verskillende verhurings-moontlikhede en die
inkomste wat daaruit verkry kan word is opgestel. Daarmee het ons nou al die
nodige insette gehad. Die berekenings van die Property Pro program het nou ’n
uiters belangrike rol gespeel. Nie alleen het dit aangetoon dat die ontwikkeling
sal werk nie, maar dat dit na vyf jaar ’n opbrengs van oor die 100% sal lewer. Die
risiko is, soos geleer, met behulp van Property Pro bepaal. Met ’n ‘ongebruikte’
verhoogde verband wat die waarde van die erwe insluit, kan ons dit meer as
gerieflik dek. Die verhoogde verband sal nie eers 80% van die totale batewaarde
oorskry nie.
’n Moeilike besluit is toe baie vereenvoudig. Ons gaan aan met die ontwikkeling.
Nou is vasbyt en geduld die aspekte wat vir ons die sukses sal laat proe.
Administratiewe rompslomp met die hersonering van die erwe en meer belangrik
die tevrede stel van SAHRA met ons aansoek vir sloping en restourasie lê nou
vir ons voor.
Was dit egter nie vir die blootstelling aan jou kursusse en hantering van sake nie,
sou ons dalk nooit by hierdie wen, wen oplossing uitgekom het nie. Ons kan ’n
potensieel problematiese situasie ontlont en iets daar plaas wat nie net vir ons
familie vorentoe nog goeie Desember vakansies verseker nie, maar kan ook vir
elke gesin ’n stewige kapitaalbate skep, met selfs ’n goeie passiewe inkomste.
Marius de Kock
Friday, September 30, 2005 Marius De Kock

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Dear Hannes.
First of all I would really like to thank you for the wonderful opportunity that you
have given me and the rest of the students on the mentoring course. Thank you
for sharing your experience, thoughts and views on the various aspects of life,
successes and financial matters. I think that this is where your first rule is most
applicable in that people that are not on the mentoring course, and that have not
paid for it and made it their own, can never experience the true value of what you
are sharing with your students. I believe that if you have not owned something,
you do not know the true value of it.
My success story is not really about riches (yet), but about taking responsibility. I
had a dream of having my own business and giving something to my children
when they finished school and their studies. I new I had to do something to at
least give them a start in life. In August 2004 I decided to buy a franchise from a
well known group and to open a business. So many things has gone wrong since
I left a perfectly good employment and started the business, that I have spend
hundreds of thousands of rands and has not been able to open the doors.
Luckily I saw an advertisement in the Rapport of yourself in January 2005 and

decided to go and hear what you had to say. Since then I have done your
Property Pro course and have bought the advanced course. I have smelled the
dead horse and am in the process of selling the business back to the franchisor. I
have stopped blaming everyone and have taken the responsibility to except that
the franchise business is not a money spinner as everyone might believe.
What I am really busy giving to my children is to teach them to take responsibility

for their actions and themselves. This is the greatest gift I can give them and
although they are only eight and ten, they often come to me and tell me how they
have changed an experience into a class one experience. Only a parent knows
how proud you feel when your children act responsibility. I have made your
mentorship course my own and have taken the responsibility to give my children
the best chance at life by having the information to make the right and informed
decisions.
I have decided that I am responsible for my own actions and that I will become
very wealthy and one of the goals that I have set myself, it to pick my kids from
school with our own helicopter on his last day of school. This is a promise that I
have made to him and his brother.
Lastly, by thinking out of the box, I have found various motivated landlords, and
am renting a very nice place in Centurion in a security estate, at a fraction of
what a bond would have been. I negotiated a deal, where he almost pays me to
stay there.

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Thank you Hannes Dreyer for giving me the courage to get my life in order and
take responsibility. You are a lifesaver and my hero, and most of all my mentor.
Friday, September 30, 2005 Hein Kruger
The only place you find success before work is in the dictionary
May V Smith
Since I subscribed to Hannes` Mentoring Course four weeks ago I have been
thinking of what I could write for my success story. I’ve been trying to think of
what I have done in the past that could qualify to be part of my success story.
The more I thought about the more I came to realize that my success story is just
about to begin.
Today I’m doing something different to what I do every day because I have learnt
that what you do today is what you’ll do the rest of your life. It’s not what you do
tomorrow but what you do today. For the last four weeks, every day I have been
saying to myself “I must write my success story but I’m too busy today, so I’ll do it
tomorrow.” Just by writing this story I have realized how many times in my life I
have said to myself “I’ll do it tomorrow” , how many times I have made excuses to
do it tomorrow. And the truth is that I never ended up doing those things.
So today I’m doing something that I would not normally do. Something that is
way out of my comfort zone. Today I’m writing my success story for other people
to read. All my life I have been afraid of what other people think of me and what I
say. I have always been too afraid to speak up or add my comment to a
conversation. I remember when I was at school, so many times I knew the
answer but I was to afraid to shout it out because I thought “what if I’m wrong”
and then someone else would shout it out and they would get “rewarded”.
I have missed too many opportunities because I have been too afraid to speak
up or do something about it. When I think back I see how stupid it is to care what
other people think. Today I do not care what other people think of me. I’m slowly
starting to open up. This alone is a huge success for me and a starting point to
further my success.
I could not have started my success story today without Hannes` Mentoring
Course. And even more so I could not have done it without reading the books
written by Robert Kiyosaki. Reading Robert’s books has helped me open my
mind to see what I could not see before and because of this I went in search of
ways to invest in myself and that is how I found Hannes Dreyer, his courses and
mentoring program.
So I would like to thank these two great Mentors as they have made this a
turning point in my life.

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I hope this inspires others like me who are afraid of what others may think of
them. Life is too short. We have all heard the phase “Think out of the box”. What
I think this means to people like me who have been hiding in the box is:
“First get out of the box and then it will be easy to think. It is too difficult to think
out of the box while you are still in it.”
Shane Ferreira.
Friday, September 30, 2005 Shane Ferreira
The road to success is lined with many tempting parking spaces

Anonymous
Our Turnaround Success Story
Our turnaround process started in April 2004, when I was 59 years old and my
wife Petro 52. After having worked all our lives we had no hope of retiring any
time soon, and no prospect or viable plan to accumulate enough capital in the
foreseeable future - a very, very scary situation to be in! Then Petro bought a
book called “The One Minute Millionaire” by Mark Victor Hansen and Robert G.
Allen. I couldn’t wait for her to finish reading, so I went out and bought my own
copy.
As background the following: Both Petro and I had worked for corporate
organizations until 1987, when I decided to take the plunge and start my own
business. I had a singular focus on building this business to enable us to retire at
some stage – so all our eggs were in one basket. After a number of ups and
downs we were doing quite well for a small business, but to grow further we
needed to be part of a large organization. In 2002 we reached an agreement with
a JSE-listed company to buy into our business. That would have netted a couple
of millions over a period of three years, and at the same time provide money for
us to retire. Petro resigned from her corporate job to work with me on a part-time
basis. Then the JSE-listed company went bankrupt and we had to operate like a
small business again, but with a significant and expensive systems development
infrastructure to maintain and very little cash. Needless to say, during this period
of adjustment some of our hot prospects also vanished into thin air.
That’s when Petro bought the book. That’s also when, after having read it, it
dawned on us that we have been 180 degrees off course all our lives. We have
made all the classic mistakes:
• Bought an own house
• Bought new vehicles when we could “afford” the payments
• Lived on an overdraft
• Etc.

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The book inspired me to investigate and follow three lines of endeavour, thereby
creating multiple streams of income:
• Property investments
• Multilevel marketing
• E-commerce.
The first step was to attend Hannes Dreyer’s seminar in May 2004. Petro and I
followed that up by attending his Workshop shortly afterwards, and buying the
software. Later I joined the Mentoring Course (since its inception). I set myself a
goal of achieving capital of R10m in 5 years.
Then I started hunting for properties to buy. I had no money to invest or carry a
possible monthly shortfall, so I traded in my LandRover Discovery for a BMW of
the same vintage, took the maximum loan on it and realized R95 000. I frustrated
the estate agents by refusing to have a look at properties before I did the
calculations (a la Hannes!). The first property I bought was in Garsfontein,
Pretoria. I upgraded the place by fitting new tiles, fittings and painting, which
unfortunately ate all the cash. I had to borrow money to pay the transfer duties
and costs, assuming that since the company buying the property was registered
for VAT, I could claim back the transfer duties. However, the Receiver rejected
my claim because it was rented out as a residential property. That quickly made
me realize the importance of knowing the laws!
Next I bought a townhouse. However, residential properties had increased so

much in value that it seemed quite difficult so obtain a property that did not need
a deposit and would provide monthly cash inflow (the ideal!). So I started
investigating commercial properties. I took a chance and asked a friend if he
would be interested in property investments on a shared basis. He was! Two
quick transactions followed shortly after one another - one a sectional title office
building and the other an old house that had already been rezoned for office
rights. The latter was available directly from the owner at a very reasonable price
(a “motivated” owner - the property had been in the market for quite some time,
and the potential buyer that eventually showed an interest failed to gain financial
approval after an extended period of time).
The result of all this was that our portion of the investments increased by more
than R1 000 000 from July 2004 to July 2005. Petro and I now have ten
properties, either wholly owned or in partnership, and our share is worth more
than R8m.
On Hannes’s good advice we also started working towards more balance in our
lives, and focusing on our relationship and our relationships with other people.
During this process the following happened:

• We educated ourselves by doing a lot of reading, including the following:
Six of Robert Kiyosaki’s books
“Multiple Streams of Income” by Robert G. Allen, and “Cracking the
Millionaire Code” by Mark Victor Hansen and Robert G. Allen

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A number of books on motivation, amongst others “The Midas Method” by
Stuart G. Goldsmith
• We discovered that I may suffer from sensory defensiveness, a condition that

had wreaked havoc with my stress levels and relationships in the past
• We started a multilevel marketing business
• We are in the process of getting a number of e-commerce businesses off the

ground
• We employed existing and new structures to set up companies as property

owners with their shares held in a trust.
Previously I used to focus on one goal at a time, but with high productivity in
mind, I learned to oversee and work on a number of goals at the same time. All
this studying also influenced my thinking about marketing, marketing channels,
pricing and product development for our existing business.
We are well on our way to becoming truly financially independent, and will be
able to retire (comfortably, I might add) three years from now. Obviously, the
property investment side will continue - I like being able to realize returns in
excess of 50% per year on my investment! The goal now is to own R20m capital,
augmented by substantial passive income, within the next 6 years.
However, the best part is not the money but rather the person I have become. At
61 years of age I am happy, confident and excited about the future. I have been
instrumental in opening my children’s eyes to property investments and the
importance of becoming financially independent. The people in my company are
also starting additional careers as property investors. They have all been
exposed to your seminars and have – or will soon - attend your Workshop.
Thank you, Hannes, for the decisive role you have played in opening my eyes
and helping me to make the paradigm shift that changed my life. Old dogs can
indeed learn new tricks!
Dawie de Wet
Friday, September 30, 2005 Dawie De Wet
The way to get things done is not to mind who gets the credit for
doing them
Benjamin Jowett.
Hi Hannes

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My sukses storie is nie dat ek al n paar huise gekoop het of drie besighede begin
het nie, maar dat ek as mens verryk is deur die kurses. Die kurses help my om
oor baie van my vrese te kom. Waar van my grootste is dat alles so gou as
moontlik moet geskied en sodoende altyd oorhaastig is en my vingers verbrand.
(vrees vir tyd)
Omdat ek my self sien as n entrepeneer en my self gedurig dryf om net meer en

verder in die lewe te wees, maak die kursus my rustig deur te weet dat daar is
tyd vir alles en nou is dit tyd vir bele in my self om al die “unknown” uit te skakel.
Hannes die mentor kurses help my om rustig te wees maar opgewonde.
Sodoende is ek n beter man vir my vrou en n aangename mens vir my mede
mens.
Weereens baie dankie
Marius
Friday, September 30, 2005 Marius Van Den Berg
Hannes
My success story is about personal growth and the realisation of what is

important.
I always thought that having enough and plenty of money you will be successful.
The amount of money you have determines the level of success. How wrong was
I? I realised that success has different meanings to different people. For me it
now is the way I think about myself. When you go and look at what a self image
does to an individual, it defines the way they perceive the world. My back ground
is one which created a bad self image about me and the way I perceived life.
Being in debt was one big thing and once again it was because of the perception
I had.
When I did your property investment course in March 2003 I was in debt of
R70000 (credit cards and personal) and with my income I could not make the
minimum payments per month and I realised something had to be done. I also
was about 20kg over wait weighing 105kg. I thought money will solve my
problems. So my journey started then and it was a long and tough journey and I
had to make some drastic and tough decisions to change my situation. I knew
where I wanted to be, but how to get there was one thing I did not know. Then
came the mentoring program.
One big thing I learned form you is taking responsibility of my own destiny and
success, because it is not just going to happen. I realised too, I had to invest in
myself, before making any other investment. So I took responsibility of my

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situation. I made arrangements to pay of my debt with all the relevant creditors
and because being sequestrated was not the right thing to do for me, because I
had to own the debt and consequences of my own actions. I now have no more
personal debt. With being over wait I made changes and lost 20kg with hard work
and dedication and was blessed to run the 21km Two Oceans half marathon.
So my success story is being a complete person in Spirit, Soul and Body. Now I
think positively about myself instead of negative thoughts and my relationship
with my wife is better than it ever was and we are still growing in it. My family is
more important than money and having good relationships is of more eternal
value than money. The strange thing is that money wise, I have never been in a
better position in my life as I am now and that does not even bother me or give
me my identity. I know now that if the right things are in place and you do the
basic principals right, it is only natural for the so called money to follow. I am
blessed to have beautiful a wife that loves me, a beautiful baby boy and
fulfillment in my work, enjoying every day life to the fullest. I am also blessed to
have 5 investment properties of my own and 5 investment properties with family
with a 50% share in. I am also continually on the look out for more opportunities.
.Thank you. Regards

Schalk Oberholzer
Friday, September 30, 2005 Schalk Oberholzer
When you are making a success of something, it’s not work. It is a

way of life. You enjoy yourself because you are making a
contribution to the world
Andrew Granatelli.
Hi to all,
Like so many other people who attended your workshop, I was also into property
before I met you. Like so many other I was on the right track, but then you
literally opened my eyes to what I was missing.
I put offers in for 11 properties in 6 months with the long term plan to buy at least
one property per month for 60 months (five) years. You get the point. Seven of
my first 9 properties were free. I put into practice what you taught me and made
my profits when I bought the properties. I did a couple of Hannes Dreyer tricks to
boost the value on some of the properties and in less than 18 months I made
over one million rand. This might sound like small change to you, but it gave me
the financial boost I have been dreaming of all my life.
Your mentoring program gave me the ability to negotiate with corporate

companies to start a national business venture in something I love almost as
much as property. I am seeing a patent attorney tomorrow to secure my part in

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what could be the next fax machine before fax machines in South Africa. I will
keep you informed of my progress since you played a part in this too.
Somehow “thank you” just don’t cut it, how else can I thank you?
I am following your mentor program with pride, bragging about you to anyone
whom is prepared to listen.
It is an honour just being one of your students.
Barend Gouws
Friday, September 30, 2005 Barend Gouws
I have got two reasons for success and I am standing on both of

them
Betty Grable.
Dear Hannes,
Being a person that finds it difficult to put thoughts and feelings into words, you
convinced me to give it a try.
I always wanted to be an entrepreneur. I had so many ideas, but failed to put

them into practice. For me it always boiled down to time, ignorance and
confidence.
I first attended your property workshop about two years ago. Being armed with
your techniques to conquer the residential property market, I failed to take full
advantage of the boom. I kept on asking myself why don’t I buy more properties,
why don’t I look for opportunities, why don’t I start a online business (being in IT
myself, software/web development are my bread and butter). Being part of the rat
race, I convinced myself there is just not enough time. Time management was
not one of my best qualities. Whenever I planned something, I never managed to
follow the time lines set out. If things didn’t happen overnight, I started to loose
interest.
I always had an interest in successful/rich people. I wondered what I can do to be

successful, to live a life of abundance. My answer; “I don’t have the knowledge,
the skill, the personality” to be like “those” people. To me successful/rich people
were part of a league, beyond my reach. To be honest, I started to develop a
grudge against successful/rich people. I’m ashamed telling you this, but it’s the
truth.
I’m a very competitive person. I must always win, but I’m a bad looser. I
remember playing monopoly as a child; if I didn’t have the most
houses/hotels/money, I wasn’t interested in playing anymore; I would even throw

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the board game one side just to mess up everything so to stop playing.
Whenever someone accomplished something successful I’ll think of how I could
do it better, I’ll try to find something negative, just to show that it was not a big
deal. Instead of looking at the positive and congratulate the person, I’ll find
something negative.
Lack of self confidence and worry of what other people would think or say of me,
were one of my biggest pitfalls. I didn’t always want to try something new
because of the fear of failure, of people seeing me as a failure.
When I joined the mentoring course, I thought this was the break I needed. This
is my chance to get out of the rat race. This is my chance to join the
successful/rich people’s league – the easy way. I just needed to do the same as
you, no extra work needed from my side, right? Wrong! After a few weeks I
realized I joined the mentoring course for the wrong reasons. This was not a get
rich quick scheme! This was more than that. This was exactly what I needed my
whole live – guidance to become a better person, information to help me take
control of life and become successful.
The mentoring course helped me realize that the biggest reason why I’m not
successful (yet), is me. I’m the one keeping myself back. My attitude and mindset
towards life/people was totally wrong. I learned how to plan my day/life, learned
how to manage time, and reach my goals within set time frames. I learned how to
be much more productive, with less input! I learned how “easy” it is to start a
business, and reach my target market. I have much more self confidence in
putting new ideas/knowledge into practice.
I rediscovered what life is all about; life is a journey, life is luck, and only I can
make it happen.
I would like to thank you for your willingness to help people, for sharing your
ideas and experience. You are a roll model for any entrepreneur “wanna be”.
Regards,
Gerrit
Friday, September 30, 2005 Gerrit Breedt
Wealth is not who has it but who enjoys it

Benjamin Franklin
Dear Hannes
It is a privilege to thank you once again by way of my “success story” for your
help and inputs the past three years. I started with zero properties when I sat in
your first seminar, and I RAN out of there, equipped with some knowledge but

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plenty of confidence, and bought my first property that very next Monday. Since
then I build up a reasonably portfolio which I am sure would “take care” of my
wife and my future kids should anything happen to me. Hopefully I will enjoy the
proceeds from that as well one day when I want to take things a bit easier and
follow my passion for flying, which would have stayed only a dream if I never
attended my first property seminar.
I have learned a lot from you, bur would like to mention three points:
Firstly I have learned that there is ALWAYS a better way to do a deal. When I
find an interesting deal and I imagine myself telling you about it I can here you
say “Yes, it isn’t too bad, but there’s a better way to structure it” and then I know I
must “fine tune” the transaction or my offer some more.
Secondly I have learned to “enjoy the ride”. To make enough money to live
comfortable isn’t so hard if one applies what you teaches us, but to do it in such a
way that you could still enjoy every day (by not taking huge risks) and without
stepping on other people along the way is very important, and
Lastly your energy and compassion for people is contagious. I have learned that
if your last day “arrives” and you can reflect over your life on earth, the money
you accumulated won’t give you one second of pleasure, but the difference you
made in peoples life’s will, and there good memories of you will last forever.
Thanks for everything.
Corne Liebenberg
Friday, September 30, 2005 Corne Liebenberg
In 1995 het ek die eerste keer gaan sit om ‘n bietjie oor my gesin se finansiële
posisie te besin. Al wat op die punt vir my sin gemaak het (toe reeds 15 jaar lank
‘n salaristrekker uit ‘n vaderhuis waar geldsake min bepreek was) was om my
skuld af te betaal en te probeer spaar vir my oudag. In 2000 het egter twee
belangrike ding gebeur wat ons lewe sou verander:
Ons het eerstens al ons skuld afbetaal en wat nou gemaak met die “ekstra” geld
wat ons per maand het. Tweedens het ons eerste “spaarplan” uitgekeer…. wat ‘n
volle 4% per jaar groei behaal het!
My aandeleportefeulje was ook maar rampspoedig en ek was totaal ontnugter.
Na baie leeswerk van Robert Kiyosaki se “Rich Dad, Poor Dad” tot Dolf de Roos
se “Real Estate Riches” en nog baie meer, het ek begin soek na ‘n persoon in
Suid-Afrika , ‘n kenner, wat as my mentor kon optree in eiendom. ‘n Goeie vriend

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het my van Hannes se werkswinkel vertel en nog voor ek die inligtingsessie
bygewoon het, het ek reeds bespreek vir die werkswinkel.
Die verskeie werkswinkels en Mentor kurses was presies wat ek wou weet; die
wetlike, belasting en struktuursake waarvan jy meer as die normale man moes
weet om ‘n eiendomsportefeulje op te bou. Hannes se klem op die feit dat ‘risiko
en verantwoordelikheid nie geskei mag word nie’, is so belangrik as jy jou in die
eiendomswêreld begewe. Die werkswinkel het my met die nodige kennis
bemagtig om ingeligte vrae te begin vra vir professionele mense. “Nog nooit in
my 21 jaar in die versekeringswese het ‘n kliënt my geskakel en verskeie artikels
aangehaal waaraan sy polis moet voldoen nie” het ‘n verbaasde ‘senior
makelaar’ van ‘n groot versekeringsmaatskappy vir my gesê. Ek het die taal van
ouditeure, versekeringsagente en prokureurs net so ‘n bietjie beter begin
verstaan, hulle beperkings en tekortkomings begin raaksien en dit gee my ‘n
lekker voorsprong …
Ek het 18 eiendomme gekoop vandat ek Hannes se werkswinkel bygewoon het.

Almal was ‘verniet’-eiendomme. My swakste een het ek na een jaar verkoop met
‘n wins van R80,000. My portefeulje is tans ‘n raps oor die 8 miljoen rand werd
en die gemiddelde 5 jaar IRR is by die 80% met ‘n Cash on Cash return van
50%. Ons huurinkomste is net oor die R60,000 per maand. Binne 6 jaar behoort
die portefeulje afbetaal te wees en met ‘n (ongeveer) inflasie gekoppelde
huurinkomste het ek in minder as 10 jaar vir ons aftrede voorsiening gemaak.
Ons gaan egter nie hier stop nie.
Indien iemand in eiendom wil belê, is Hannes se werkswinkel sen mentor skap ‘n
moet; ek het reeds verskeie mense met sukses na Hannes se werkswinkel
verwys. Meeste van hulle is ook reeds aan die gang. Indien enige iemand in
eiendom begin belê en jy maak aanvanklik so‘n paar klein foutjies (kom ons sê
net 5%) in jou beplanning op die koop en strukturering van ‘n R1,000,000
eiendom kan dit jou R50,000 kos. Wat ‘n “bargain” is Hannes se werkswinkels en
mentorskap dan nie.
Gideon Le Roux
Friday, September 30, 2005 Gideon Le Roux
Hannes, I am grateful for you inspiring me further, to control PAIN, the greatest
motivating force in the Universe…and not allow PAIN to control me in the end. I
aspire to having one of the greatest testimonies in the World one day, as I have
chosen to be a light to the World and you have been one of the catalysts.
Up until the year 2004, I had never earned passive income and I have tried many
many ventures/ideas, but none of them had ever lifted off the ground (including
Motivational Training which yielded incredible testimonies from others). I am also
qualified in electronics and sales. I was employed for 11 years in the cellular
phone Industry and have invested tens of thousands of rands on personal

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development which has led my full focus on world leader Anthony Robbins and
Wealth Creator Hannes Dreyer. I have also spent my life searching through the
physical, metaphysical, mental, emotional and spiritual planes of truth and the TV
was removed 4 years ago, which has led to our creativity and growth.
In 2004 I had an invention which was a wristwatch that could remotely activate
gates, garage doors, alarms, start and stop cars, central locking etc …. An
Investor invested R280, 000 and funded me from Dec – May 2005. The response
from the public was excellent. This was a winner and could not fail according to
our expert team of clever people including me (http://fc.co.za/lifewatch)…but it
did! And I found myself “jobless” in May 2005. (The wristwatch will now pace for
6 years)
Luckily, back in March 2004, I read a building book and got a bricklayer to build
(using the banks money) two small Simplexes, (28metres squared each) on our
humble property (zoning 4).
Luckily? , back in March 2004, I read a building book and got a bricklayer to build
(using the banks money) two small Simplexes on our humble property (zoning 4).
When attending your course in September 2004, I realized that using the banks
money to build rental income and capital growth was the best way to go (once
IRR applied) and I became through your certainty and software package, a
strong believer in Property “ownership”. I became bolder in lowering our standard
of living to accommodate a higher IRR…so much so that my wife and I agreed to
move with our 2 kids into one of our small 1 bedroom simplex’s (28metres
square) and we rented our entire house out in Feb 2004. Since then we have
built another small Simplex, a Duplex (double storey 74 m square), Purchased a
piece of land, changing title deeds to build 3 houses and purchased a house for
R590,000 using bonds via the Bank. We are still driving our Uno93 and living in
our small simplex (28metres square)…and things have been great especially
when the family keeps bumping into one another, getting in the way and standing
on each others toes has been commonplace in the tiny abode. (I certainly take
my hat off to my wife for enduring with the 1.8m square kitchen and my all hours
of the night working). But by doing this we have become financially Independent
and never have to “work” again as we can live off rental income alone. But by
doing this we have become financially Independent and never have to “work”
again.
Our experience has brought us closer together and we have learnt to become
more patient, understanding and better communicators with one another. Our
family has just enjoyed the entire school holiday having fun together. Thanks to
Hannes for promoting the Thought –“lower your standard of living to increase
your passive income streams using the banks funds”. Hannes, you also
confirmed for me, the life changing information from Anthony Robbins, Robert
Kiyosaki. Etc. and your internet game has helped me experience my future
wealth creation prior to accomplishing it. You have helped me build an incredible
confidence in Property Investment.

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I “fired” my conveyances, bank and accountants as they were slowing me down
with their errors, sluggishness, belittling, resistance and costly delays. I took
control and started working with people that I liked, respected and trusted, (as
per your advice) and we are now operating effectively and efficiently. Your end of
week mentorship download has kept me strong in my persistence, especially
when I have felt beaten up by the week’s activities.
Now that we are earning a surplus passive income we can fund a normal
standard of living by Moving into our Double Storey and purchasing our new car
in December (we may still stick to our Uno). We have become NHBRC registered
and are now able to raise building loans and draw a salary by building properties
for our Company. I am confident for next year’s rentals and Management thereof
as we are subscribed to your Private Lessor site.
When I see properties I feel their future value circulating in my veins. We have
converted the fear of raising large bonds to faith in them (just signed for two 1
Million Rand properties without blinking an eyelid – were declined) God has
allowed you to open my eyes (Genesis 21: verse 16-19) to opportunities that
surround us. But it goes further than that Hannes. Our daughters are learning
your wisdom from their daddy (ages 5 & 8)…they see it happening around
them... WOW! And the small one has even got lost with all the rooms we have
built on our property. When they grow up, they will be wealth creators and not
reactors.
With our rapid growth in property ownership and family oneness, our parents
don’t know what is going to pop up next! My “friends” who thought we were down
and out, have stood speechless and flabbergasted, staring at the vast growth of
our dwellings on our property! I hope to impart your principles and wisdom into
our Church which has an active membership of more than 10,000 people
(Durban Christian Centre).
Below is our Growth in our Property, Rental Income and Cash reserves…and it is
a small and very significant beginning…thanks to you Hannes for sharing your
experience and advice with us. It is helpful when people are open about there
lives and so we return the same below…hopefully we can help open eyes and
effect decisions by sharing our growth in detail.
GROWTH
Note: Bank Valuations for the below are underrated.
1) As at 1/3/2004 we (wife and I) owned

• 1 House (2 bedroom) (Built)
• Total bond R124, 000
• Valuation R174, 000 Bank
• Furniture and appliances = R 15,000
• Passive Income = R0 , zero, nil , nothing , luthu, niks , .

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• Capital Growth
2) As at 1/3/2005 (12 months later) we owned

• 1 House (4 bedroom)
• 3 Simplexes (1 bedroom each) (Built)
• Total Bond = R294, 000
• Valuation R700, 000 increased by 331% Bank
• R10, 500/mth Passive Income
• Cash reserve R73, 000 (Provided payout – 11 years service)
• Capital Growth
3) As at 1/8/2005 (5 months later) we owned

• 1 House (4 bedroom)
• 3 Simplexes (1 bedroom each)
• 1 Double Storey Duplex (4 bedroom) (Built)
• Valuation R900, 000 increased by 29% Bank.
• Land to house 3 dwellings (Umgeni River views)
• 2nd House (4 bedroom) (granted - transfer in Oct 2005)
• Total Bond = R531, 000 = R5800/mth
• R15, 250 Passive Incomes
• N.H.B.R.C. Qualification
• My full time commitment since May (only 4 months)
• Cash reserve of R273, 000 (extended bond)
• Capital Growth
4) As at 1/3/2006 (6 months later) we will own

• 1 Double Storey House (7 bedrooms)
• 3 Simplexes (1 bedroom each)
• 1 Double storey Duplex (4 bedroom)
• Land to house 3 dwellings (Directly over the Umgeni River)
• 3rd House (4 bedroom) (built)
• 4th House (4 bedroom) (built)
• Valuation (conservative) expected = 2, 5 Million rand
• Total Bond = R1, 3 Million rand = R14, 510/mth
• R38, 000/mth Passive Income (incl new transferred property)
• Cash Reserve = R1, 1Million Rand
• Capital Growth
• A higher salary
5) As at 1/9/2006 (6 months later) we will own

• 1 House (7 bedrooms)
• 3 Extended Simplexes (3 bedroom each)
• 1 Double storey Duplex (4 bedroom)
• Land to house 3 dwellings (Directly over the Umgeni River)

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• 3rd House (4 bedroom) (built)
• 4th House (4 bedroom) (built)
• 5th House (built) (4 bedrooms)
• 2nd Land purchased
• 6th House built
• Valuation (conservative) expected = 3, 9 Million rand
• Total Bond = R2, 1 Million rand = R23, 100/mth
• R50, 000/mth Passive Income
• Cash Reserve = R1, 6 Million
• Capital Growth
• A higher salary
6) I believe we can be billionaires in 10 years from the date of our first Million.
Friday, September 30, 2005 Richard Daguiar
The penalty of success is to be bored by the attention of people who

formerly snubbed you
M.W. Little
I doubted whether I should write my story, since it isn’t about achieving business
success at all, since I’m still investing in myself, but you can decide whether to
show it to the public or not.
I lived in my own perfect little world for 19 years (no, I’m not autistic), never
suspecting a lot of things that happened. Well, this world crumbled the day that I
found out that my husband molested both daughters. (This story is not to bore
you with the details of what happened, but about what good can emerge from
something very bad, if you decide to change.) Reality hit me hard in the next few
months: I didn’t have a relationship with my daughters, my ex-husband tried to
kill me, he tried to kidnap the youngest daughter, my self-esteem died, I got laid
off from work, had 7 break-ins in a short period of time, a business partner (yes,
imagine going into business at a time like this!! - won’t blame you for thinking I’m
crazy!) Ripped me off, did fraudulent transactions etc, then declared himself
insolvent.
So, the six human needs Hannes listed in Lesson 9, all went negative for me. I
struggled to get a job and I had a LOT of debt and I found myself without friends
or support. Deep down I actually still knew that God has a purpose for me, that
life isn’t about money, but struggling makes it difficult to believe it always.
During this recovery period I actually discovered myself: I had to face bad habits,
bad choices I made previously, and had to decide to change them and change
myself to become a better person and a better mother. This was a painful
process, but then no pain, no gain.

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So I changed, picked up the pieces of my self-esteem, but worked too hard (had
3 jobs at one stage) to earn money to pay off all the accumulated debt. The
result: No balance in the wheel of life. At this stage I’m investing in myself, also
focusing on living a balanced lifestyle and Hannes is providing very valuable
material to achieve that.
I’m not investing money in property yet, I’m still learning. I don’t have a lot of
successful businesses yet, but I’m slowly and surely learning. The most
important change that I’ve experienced with the mentoring program lies in my
thinking! I’m thinking in a different way! Suddenly I’m getting all these ideas
which I never had before and this makes me excited! I am investigating the
possibilities of a few of my ideas and will let you know about the successes and
failures thereof (at least I’m not scared of failures any more).
Friday, September 30, 2005 A. Jansen v Rensburg
Hallo Hannes
Net `n kort opsomming van my sukses storie, wat al reeds teen 1989 begin het.
Ek het teen daardie tyd reeds geweet dat ek finansieel onafhanklik wil wees,
maar ek het nie `n mentor gehad wat my kon lei nie, gevolglik het ek wel
voortgegaan en my ding gedoen soos ek gedink het dit was reg. Dit het maar
stadig gegaan en ook met baie pyne, maar ek het net aangehou en volhard.
Eerstens het ek teen 1989 `n goeie koop gedoen met `n huis en vir drie jaar daar
gebly. Die eiendom het omtrent verdriedubbel in waarde binne hierdie tydperk,
en daarna het ek die plek verhuur en `n Town House vir my gekoop en self daar
gaan woon. Na twee jaar het ek `n derde eiendom aangeskaf en dit ook verhuur,
maar teen daardie tyd het alle ongelukke my getref wat met `n verhuurder kon
gebuur het. Omdat ek nie `n mentor gehad het nie, het ek amper die handoek
ingegooi en alles verkoop. Met volharding het ek die krisisse oorkom en aan
gegaan. Gedurende hierdie tydperk het ek nog vir `n maatskappy gewerk en 6
jaar later het ek die handleidings van Rich Dad Poor Dad gelees en het ek `n
"skriftelikke" mentor gevind en ek het sy beginsels toegepas en verder met my
eiendomme aangegaan en dit vermeerder. Gevolglik het ek die volgende stap
gevolg en my eie besigheid begin teen 2002. Teen 2004 skryf ek in vir die kursus
van Hannes Dreyer en daar ontdek ek al die antwoorde vir alles wat ek
aangepak het vanaf 1989. Al die beginsels in die kursus is presies waarin ek as
persoon glo en Hannes het dit net vir my kom beklemtoon en ek kon my eie
besluite en projekte struktueer soos dit gedoen MOET word en nie wat ek sonder
ondervinding gedink het ek moes doen nie. Die beginsels en kursus het my op
die volgende vlak van vertroue en finasieele onafhanklikheid geplaas en ek kon
voortgaan met eiendom aankope, maar nou kon ek alles meet, my bestaande en
die nuwe eiendomme, en ek het korrekte syfers gekry om korrekte besluite te

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neem en gevolglik het my portefulje vergroot met `n addisionele 12 eiendomme
en ek is nou in `n proses om `n kommersiele eiendom aan te skaf van R5,5Milj
sonder enige probleme, want ek kon alles meet en die korrekte begroting aan die
bank voorle.
Groete
Francois
Thursday, September 29, 2005 Francois Grobbelaar
Hannes,
Ek dank die Hemelse Vader dat hy iemand soos jy in my en die ander studente
se lewens gebring het. Iemand wat my uit “die boks” laat dink. Ek was vasgevang
in ‘n doodloop beroep vir 12 jaar-waar ek my gesin maar min gesien het-veral
met skofte werk. Nou doen ek wat ek altyd wou doen, en ek is tuis by my gesin.
Waarvoor kan ek meer vra?
Ek het die seminar bygewoon in Julie 2004 en die werkswinkel in November

2004(ek het spesiaal van Kaapstad gevlieg om in my toekoms te belê-en ek is
nie een oomblik spyt nie!!). Ek het drie eiendomme gehad voordat ek die
werkswinkel bygewoon het-nie sleg vir ‘n staatsamptenaar wat ‘n tip vir ‘n salaris
verdien het nie? Ek het een verkoop nadat ek somme gemaak het, en ‘n
bodemlose pit gesien het.
Ek is tans voltyds besig om in myself te belê en in my gesin se toekoms. Ek is

hard besig om “somme te maak”. Nogmaals baie dankie dat jy jou tyd opoffer om
in my toekoms te belê.
God se rykste seën vir jou en jou gesin.
Groete
JJ Badenhorst
Thursday, September 29, 2005 Jans Badenhorst
Greetings Hannes
Subsequent to a number of unsuccessful business ventures and loosing a

considerable amount of money I was disillusioned and circumstances forced me
to return to my previous profession working for a boss.
The urge however to achieve financial independence or ultimately become

wealthy was foremost in my thoughts. I was, however, reluctant to start another
business that necessitated the hiring of premises and employing staff on whom I

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was reliant for the success of the business. Instead I was looking for a business
venture in which it was possible for only myself to run.
I therefore decided to look at property as an investment opportunity. I then

invested in flats in new buildings i.e. buy in at the concept phase and sell prior to
registration, a strategy employed by a number of "successful" estate agents
which influenced me to follow suit. Although I made a reasonable profit with my
first venture, I was somewhat concerned of media reports predicting a down-turn
in the property market that would adversely affect two similar investments I made
that will be due for registration only towards the end of 2006.
It was with this doubt in my mind that I latched onto your ad in the newspaper. I
attended your seminar where I immediately realised that my above mentioned
investments were nothing more than gambling. I therefore took the first step on
the road to success and decided to invest in myself by attending your Property
Pro workshop. This was mind-blowing and for me at the time quite overwhelming.
I also immediately invested in your software programme realizing that if I
intended to continue investing in property it needed to be done based on sound
mathematical principles as opposed to decisions based on emotion.
Well, after all is said and done you may ask yourself what is in fact my success
story? In essence, it can be summarized as follows: I have invested in myself; I
will do my calculations before investing in property; I will achieve a successful
business out of property by creating streams of passive income as opposed to
generating capital; I will rent my existing property as opposed to selling it when I
move to my new premises in December 2005. This will be my first investment
property generating passive income based on sound mathematical principles.
All in all I will step by step apply the knowledge you are imparting in order to
achieve my financial goals.
Hannes, you have open-end my eyes to the real world of property investment.
Your knowledge, wisdom, enthusiasm and above all honesty is self assuring and
heartwarming - I thank you sincerely
Ian
Thursday, September 29, 2005 Ian Bosman
The trouble with being in the rat race is that even if you win, you’re
still a rat
Lily Tomlin
Beste Hannes
Ek en Lorinda is gegradueerdes wat gedink het ons kan ons drome verwesenlik
deur ons professies te beoefen, hard te werk en spaarsamig te leef. Ons het nie

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een `n finansiële agtergrond nie en het gedink ons moet ons geld aan die
"experts" toevertrou om dit vir ons moontlik te maak om eendag af te tree.
Geleidelik het die besef tot ons deurgedring dat jy `n plafon van verdienste bereik
waardeur jy nie kan dring nie. Om ons inkomste te verbeter het ons net harder
gewerk en gevolglik minder tyd vir mekaar, ons kinders, vriende en ontspanning
gehad.
Uit desperaatheid het ons verskeie boeke oor finansies en beleggings begin lees
en gou besef dat ons in `n "rat race" vasgevang is. Ons het toenemend besef dat
daar `n wêreld van hoop en sukses is buite die web waarin ons vasgevang was.
Ons het begin fokus om van ons slegte skuld ontslae te raak en het begin by die
kleinste lening en dit afbetaal. Daarna het ons dieselfde paaiement toegevoeg tot
die volgende lening en so aangegaan terwyl ons `n sneeubaleffek ervaar het ten
opsigte van hoe vinnig ons hierdie juk van ons skouers begin afgooi.
Hierna het die begrip van passiewe inkomstestrome en die gebruik van "gearing"
om ons drome te bereik al meer ons gedagtes begin vul. Ek en Lorinda het
verskeie boeke gelees en gevoel dat jou benadering die meeste sin maak en my
onwikkelende passie vir eiendomsbeleggings versterk.Nog voor ek jou
werkswinkel kon bywoon, het ek my eerste twee beleggingseindomme gekoop
met slegs `n basiese kennis en insig omtrent die evaluering van `n potensiële
beleggingseiendom.Ek wou nie langer hierdie geleenthede misloop nie en moes
eenvoudig net begin om die ys te breek.
Jou werkswinkel het my finaal laat vergeet van die argumente van die
doemprofete en jou Property Pro Program was die instrument waarna ek al twee
jaar lank gesoek het. Ek kon uiteindelik my klein portefeulje sinvol evalueer en
het gou besef dat een van die twee eiendomme se negatiewe kontantvloei my
net toenemend gaan strem. `n Jaar later verkoop ek dit met `n "cash on cash"
opbrengs van 90%.
Die tweede eindom het ek oor 20 jaar finansier.Met behulp van die Property Pro
program het ek bereken dat deur net die termyn te verleng na 30 jaar, `n
positiewe kontantvloei uit die eiendom nou moontlik is.
Hierdie afgelope jaar het my geleer om verantwoordelikheid te neem vir my eie

welfaart en meer geleenthede raak te sien en te evalueer.
Hannes, baie dankie vir jou Mentor-program want dit gee vir ons die agtergrond,
leiding en motivering om te versnel in hierdie bevrydende ervaring wat ons
finansieël vry gaan maak.
Groete
Stadler en Lorinda Kirsten

Thursday, September 29, 2005 Stadler Kirsten

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It had long since come to my attention that people of
accomplishment rarely sat back and let things happen to them. They
went out and happen to things.
Elinor Smith
The power of Why!
Finding your true self and what you really want to achieve on this earth has
become for me the real goal. What makes me the happiest? Most of us spend all
our time living the "acceptable life" instead of OUR life.
As described by Hannes, I started right at the beginning with life questions and
goal setting. Then I began doing daily repetitions, visualizations etc in order to
achieve these goals. I had a long list of goals but wanted to initially focus on a
few goals. So I left out goals which I wanted, but thought could be achieved later
in life (non material goals). While I achieved some of my goals on my list, others I
did not. Some of these goals that I did not achieve were very important goals to
me (material goals), or so I thought! I could not understand why I did not achieve
these goals?
So I started to analyze the goals I had not achieved, searching for an answer.
And what I discovered was a way of truly knowing for myself if I want that
particular goal or not. I discovered that although I had set a particular goal that I
thought I really wanted, I soon realised that I did not have the follow through or
action that was necessary to achieve this goal. Why? Because at this particular
stage in my life I actually did NOT want this particular goal!!! UNBELIEVABLE
and so simply stupid!!
Now this small realization puts many things into perspective. It’s an awesome
and simple way of quickly assessing if you really want something at a particular
stage in your life or not! Often we are conditioned by society to believe that we
want something, but the truth is quickly revealed.
So by continuously following this technique I will always be able to establish at a

given time in my life what I REALLY want to achieve, and if I give up the
technique...........well then I know why :-)
If there is no action to follow the set goal then it’s an early warning sign to re-look
that goal through. The power of WHY reveals itself by the actions that follow. So
getting it right in the beginning will pave the way for a wonderful journey and a
beautiful ending :-)
I have by the way purchased together with my wonderful girlfriend two properties
with two dwellings on each property which have a rental income far greater then
the bond repayments :-)
And Hannes you should put smiles on these pages for the people to access.

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Cheers all!!!
Thursday, September 29, 2005 Massimo Guerini
One never notices what has been done. One can only see what
remains to be done
Marie Curie
Hannes
Eers ‘n bietjie agtergrond. Ekonomie, en ekonomiese wetenskappe was nog

nooit iets wat my vreeslik aangetrek het nie. Op skool het ek by voorbeeld net
rekeningkunde gehad in st.6/7. En dit was al moeilik genoeg om ‘n grootboek
geballanseer te kry. My belangstelling lê wel in syfers maar meer in die
wetenskaplike rigting.
Tot baie onlangs was dit vir my heeltemal goed genoeg om vir die res van my
lewe vir ‘n baas te werk. Ek het nog altyd ‘n baie posetiewe lewensuitkyk gehad
en glo vas dat as ‘n mens geniet wat jy doen, dink wat jy doen, inisiatief aan die
dag lê en self gedrewe en gemotifeerd is, dat daar altyd ‘n plek sal wees vir so ‘n
werknemer.
Na ‘n geleentheid waar ek saam met my gesin, vyf jaar in Switzerland gewerk

het, het ons terug gekom en met ons spaargeld ‘n erf in ‘n luukse ontwikkeling
gekoop. Die gedagte was om hier ons droom huis te koop. Ongelukkig het dit
bietjie langer geduur met die “red tape” en moes ons nog eers ‘n rukkie huur
voordat registrasie kon plaas vind.
Dit was in hierdie tyd dat ek die gratis “Hannes Dreyer” seminaar in die Beeld
raakgelees het. Die enigste rede waarom ek besluit het om te gaan was omdat
dit gratis was. My eerste indruk van Hannes was ook nie van die beste nie.
Arogant, heeltemal te selfversekerd en oordonderend. Tog het die inhoud my
aangegryp. Dit het gemaak dat ek met ‘n paar ander vriende gesels het. Dit was
nog moeilik vir my om so ver te kom om my eie lewensfilosofie, wat tot dus ver
nog baie goed vir my gewerk het.
Na ‘n laaang oorweging of dit ‘n goeie ding sou wees om die R2900 te spandeer
om die PropertyPro kursus by te woon (moes ook nog my vroutjie oortuig dat dit
die moeite werd is, alhoewel ek self nog nie heeltemal oortuig was nie) het ek uit
eindelik die kursus in Jun 2004 bygewoon. Met die kursus het iets gekliek. Iets
waaroor ek baie opgewonde was, maar ter selfdertyd het dit my ook baie bang
gemaak. Ek moes uit my gemak-sone, al die planne van ‘n droom huis ens.
moes verander, en die moeilikste van alles was dat ek my vrou moes oortuig van
my nuwe planne.

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Dis nou 12 maande later, ek het die erf geregistreer gekry en verkoop teen ‘n
wins. Ons het ‘n klein, eenvoudige meenthuis gekoop en nog ‘n hele klompie
kontant oorgehou. Ons het na ons begroting gekyk en ons lewe so ingerig dat
ons tans ‘n na belaste surplus van R10 000pm het. Ek het ‘n groep vriende
bymekaar gemaak van ongeveer 15 wat almal dieselfde doel en verstaan van
eiendomme het. Ons lees boeke, ruil inligting uit gaan na kursusse en skool ons
self so ver moontlik. Een van die groeplede is ‘n paartjie wat as wildbewaarders
op ‘n plaas in die Limpopo werk. Hulle gesamentlike inkomste is so laag dat hulle
nie eens nodig het om ‘n belasting vorm in te vul nie. Tog het hulle dit reg gekry
om ‘n woonstel in Pta-Noord te koop waar hulle tans R1500 van hulle surplus
moet gebruik om die verband te betaal. Binne 12 maande het hulle ook ‘n tweede
woonstel in Palaborwa gekoop.
Ons is tans besig met ‘n eerste belegging en beide ek en my vrou is baie

opgewonde oor ons nuwe toekoms. Nie alleen gaan ons bates gebruik om ons
lewensstyl te finansier nie, maar deur in ‘n baie klein plekkie te bly spaar ons
baie aan dinge soos meubels en die tuin. Verder het ons ook baie meer
gesinstyd, want ons hoef baie minder tyd aan die klein tuin en huis te spandeer.
Toe ek van die mentor program gehoor het was ek ook baie opgewonde. Dit was
egter ook ‘n aanvanklike teleurstelling. My verwagting was om te sien hoe die
R1000 omskep word in oorvloed deur slegs van eiendomme gebruik te maak. Ek
was nog nie gereed om myself as ‘n intrupuneur te sien nie. Ek het mislei gevoel
toe ek agter kom dat die aanvanklike kapitaal gegenireer is sonder om van
eiendomme gebruik te maak. Gelukkig het ek nie daar opgegee nie en is tans
besig om soortgelyke geleenthede te ondersoek.
Thursday, September 29, 2005 Pieter Bos
Never lose sight of the fact that the most important yardstick of your
success will be how you treat other people …your family, friends, and
coworkers, and even strangers you meet along the way
Barbara Bush
Hallo Hannes,
How do I describe my success story? I can’t say that I have this big success
story. It is rather a lot of small victories that I define as my success story.
I have attended your Property Pro workshop last year and since then have
bought two properties. I also made offers on three other properties that were not
accepted. This did not matter, as increasing the offers would not make the
properties such a good buy anymore.
Since I bought the two properties I was so busy to renovate and get it livable, that
my family life suffered as a result. Only later did I realize that it was to be with my

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family in the first instance that I started on this journey as a multiple property
owner so we can have lots of passive income, not need to go to work every day
and have more time together.
I now realized it is sometimes better to pay somebody to do the work for me even
if I can do it myself. This frees up my time to do other things. It also leads to
getting a property sooner ready for tenants and income that leads to a positive
cash flow.
One of our properties did not have a positive cash flow. Now we are busy
changing it so we can use the outbuildings as two bachelor flats and letting these
separately from the house. When the property is fully let we will have a positive
cash flow on this property. We bought this property for free. On the other
property we will have a positive cash flow by next year when the rent is increased
with inflation.
Being so busy with the renovation of the two properties delayed my enrolling in
the mentor course, as I didn’t work on the computer a lot and then only to write
the extremely urgent e-mail. How I missed an opportunity in not subscribing
immediately when you started the mentor course!!! (But rather late than never!!!)
Since starting your mentoring course, a few things have definitely changed. I
think it is the perspective that you have brought.
We put our TV in one of the properties that we rent out furnished. This step has
led to an increased focus on our business activities and much more family time.
Newspapers are banished and those that somehow make into the house are only
used for covering the table before the children begin their paint sessions.
The past few weeks on this mentor course have certainly been an eye opener for
me. I learned that anybody can be an entrepreneur by learning the necessary
skills and applying it.
The best business tip so far from you, Hannes, is that for a business to be
successful it needs a positive cash flow.
I may not become a millionaire in the first year, but I am confident I will be one
when the mentoring course finishes.
Regards
Gerhard Hattingh
Thursday, September 29, 2005 Gerhard Hattingh

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Hi There
I believe Hannes was instrumental in shaping my future, my way forward. When I

knew that what I did wasn’t working I was ready for change. BUT. I didn’t know
what I needed to change to be successful. Well, you guessed it. Everything had
to change. You cannot change one aspect of your life and think you’ll be
successful. You have to create a new way of life. This is just one of the things I
learned from Hannes. There is a saying: `When the student is ready, the teacher
will appear`. It was never truer in my life than now. Hannes, thank you for sharing
your passion with us, your students.
Well, something you say often is `Do something`. I decided to take that literally
and started applying that.
The 1st thing I had to do was look at my own situation. My expenses were too
high!
I am living in a R3.5 million house and it is costly to run. While we can afford it at
the moment, I decided that we had to put that on the market to reduce our
expenses. The other money can be saved to open a guesthouse when the right
house presents itself.
Unfortunately my partner is still stuck in the old ways. I don’t have time to loose. I
had to make a choice and I did. The house is being marketed now.
When it is sold I’ll buy a house with a flat and occupy the flat. (Yes Hannes, I got
that from the game.) That way I can still get to do the garden, which I love to do,
and stay for free.
In the meantime, I looked at a lot of properties, asked a lot of questions and

made offers on a few properties. Some were accepted, others weren’t.
I created a Closed Corporation in which to buy some of the properties.
I now have properties in different stages.
Property 1 has a positive cashflow. It’s been rented out for the last 6 months and
it’s really going well.
The 2nd property was a motivated seller. I got it for a good price. The bond was
approved and I signed the documents already. Just waiting for the transfer now. I
am converting the garages to a second two bedroom house. The property will
have two entrances, and the plot is large enough for each of the occupants will
have a private garden. There is enough space to build a 3rd house later, if I have
cash to spare again and if I can get building permission. I have occupants for the
completed part of the house. I’ll put in occupants in the other part as soon as the
changes are completed.

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The 3rd house’s offer and bond has been approved. I am¬ finishing the
Convertion of the garage into a flat and the garden must still be done. When both
the house and flat has been rented the property will pay for the bond and I got
another property for free.
The offer on the 4th house¬ was accepted. I am buying this one with my sister.
By now the banks are getting jittery. We are still in the process of convincing
them to give us the money. If they do, the garage can be converted into a flat and
there is enough space (plot big enough) to build another house in due time. It is
also the perfect place to start a guesthouse. We are still doing the sums and
deciding what we are going to use it for. No more plans until we get the money.
While I believe we have to have a goal - starting a guesthouse - I don’t want that
to influence how I negotiate with the bank, I have to keep emotions out of it, so,
first things first.
Talking of my sister, I have to tell you her story as well. I got so carried away with
the property game that I looked for properties in her area as well when I visited
her in Kimberley. She got roped in and now we are buying our first property
together. She is a woman suffering from bi-polar depression. She told me the
other day, that the properties was keeping her so busy she doesn’t even have
time to be depressed anymore. Hallelujah! I must say, it is so good to see her
productive and happy again. I just wish she had internet access so that she can
do your course as well.
This is intoxicating. Hannes, you should know.
My best property deal so far is a reasonably high risk undertaking, but I am

prepared to take the risk on this one. Someone I know was experiencing financial
difficulties. He is busy with a project of building a house and then renting it out
before building the next one. He is a builder by trade and bought some land to do
this. He has building plans approved to build 14 units. He built their own home
first and then started the next 3 units simultaneously. He ran into financial
difficulty and the bank was breathing down his neck. We negotiated and came to
an agreement. In effect, I bought a brand new 2 bedroom flat for R50 000. No,
this is not a misprint, it is Fifty Thousand Rand. He gets the income from rentals
for the 1st three years and then I take ownership of the unit. ‘My’ unit has been
completed and is already rented. The 3rd unit is also complete and will be let
soon. I know these people and I trust them, but we drew up a contract, covering
all scenarios.
With all these properties I needed a rental system. I rented my 1st property out
through agents and ended up having more problems with the agents than with
the tenants. I now rent directly to the tenant and we are both happier with this
arrangement. The PrivateLesson initiative is perfect for my requirements. I joined
just before traveling overseas and will start adding my properties and tenants
now.

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One of my relationship goals was to visit my sister in York, England. She’s been
staying there with her family for four years and I haven’t seen her in all that time.
I missed her and decided I was going.
Another relationship goal is to get closer to my children without interfering with

their lives and decisions. They are both over 21 and I want them to live full and
happy lives.
On 7 September 2005, me and my son (24) flew out on a two week trip to see my
sister and combined that with visiting two younger people we know there. We
visited London, York, Scarborough and Attenborough (Scotland). We came back
last week and enjoyed ourselves. My son and I are closer to each other now.
There is nothing like family is there? I am thrilled that my son could share it with
me. My next goal on this subject is to take my daughter (22) to Australia with me.
I want to go visit my friend over there and also look at some properties over
there. I am also planning to attend the Formula 1 race over there next year as
following the F1 races is one of my recreational hobbies.
In conclusion, I am still working and enjoying it, but I want to get out of the
scenario of having to work. I am a contractor and it is a constant worry that the
contract can be cut at any time. I am building up my property portfolio now to be
able to work because I enjoy it, not because I have to eat. It is also easier to
negotiate with the banks if you have employment.
I have too many goals to mention them here, but some of the goals still waiting is
losing some weight and becoming fitter. It’s okay though, Rome wasn’t built in a
day.
I am looking forward to the rest of the course. There is so much to learn, so much
to do and in so little time.
Regards
Christina J Heystek
Thursday, September 29, 2005 Christina Heystek
Success can make you go one of two ways. It can make you a prima
donna, or it can smooth the edges, take away the insecurities, and let
the nice things come out.
Barbara Walters
Hi Hannes

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As you have taught me success does not only mean financial success but rather
to have a balanced successful life in all the wonderful ways we can experience it.
Because of this I strive to make all my experiences class 1 or class 2 types.
Thanks to you and the things you have taught me on the Property Pro course,
Advance Property Investment Course and the Mentor Program, we are the proud
owners of three properties and on our way to becoming financially free.
We have started two businesses, one my wife Yvonne runs and the other I run
but they are linked so we get to do things together (learning from you and Tanja).
Once again thanks to you, we have the correct structures set up to run and
manage these businesses and our affairs.
Now for the big deal/story.
Back to the class 1 type experiences. My biggest and best type 1 experience I
have experienced and still am experiencing was getting married to my beautiful
wife Yvonne.
Thanks Hannes and Tanja for making a positive impact in our lives.
Regards
Mark and Yvonne

Thursday, September 29, 2005 Mark Balios
Hi Hannes
My success story is very simple. For the first time in my 39 years on this planet, I
have formally written down my goals, courtesy of the Mentoring Program. For the
first time I am able to see daily where I am and where I want to go. For the first
time I am able to balance according to the wheel of life. I was guilty (ask my wife)
of dreaming, eating, sleeping, only financial independence with little or no time
for family or anything else.
The biggest joke is all the time I spent trying to obtain financial freedom was that
I had no benchmark/yardstick or written plan on how I was going to get there.
Although we are again at the beginning of our journey (no longer just me) we
now have the tools with which to put a plan together, with the blessing of my
wife/children.
I do not know what the future holds, but do know that through dedication and
balance, I can reach out and attain my goals.

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Without wanting to be negative (I now try and think only positive thoughts through
visualization and affirmation), it pains me to see how I was jumping from one
thing to the next, making no headway at all. On the positive side I needed to do
that in order to get to where I am now - a mentoring student.
Thanks & regards
Gunther
PS I am currently investigating 2 business opportunities and will definitely keep

you posted.
Thursday, September 29, 2005 Gunther Keil
Success is not greedy, as people think, but insignificant. That is why

it satisfy nobody
Seneca
Hannes,
Thank you for you and your teams persistence. Every week I would open my e-
mail and there it would be once again, an e-mail from the wealth creation team
notifying us of the Mauritius Holiday. Every time I would think " Jacques you can’t
enter because you have not yet achieved that "BIG ONE" that would make
everyone sit up straight and say ` my goodness but he really is successful " and
then the delete button would be pressed, just to receive another reminder the
following week.
Then this week my lights were switched on when I opened my e-mail and
realized that like you said you were not looking for an end result but for success
stories and that success are all those small goals that we achieve along the way.
Those goals that we most of the time take for granted. I decided its time for me to
do some “stocktaking" of my own life over the last year. (Surprise surprise)
My personal goal was to acquire, for my Family Trust a property with river
frontage on the banks of the Nahoon River in East London. The initial goal was to
build and move in by 01 June 2005, it’s now 23 September 2005 and the
property were registered into the Family Trust’s name on 16 September 2005.
The architects are busy with the plans and we plan to start building in December
2005. (Little late but it happened) Today my son and I stood on the plot and we
realized that our dream come true.
The Deal: at the time I negotiated the deal, we agreed on a asking price of R 250
000, currently with the property market being so high and the scarcity of prime
land in East London the vacant plots around our plot have had offers of up to a
million rand .I swapped my share in a building for the plot so had no cashflow

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outlay except transfer duties and got a good discount from the transferring
attorneys as well. My initial capital input in the building were R 160 000 two years
ago. (did loose my passive income on the rental income of the building though,
compared the dream come true against the passive income I choose the
dream).Although I have not made any money on this deal and don’t intend selling
the property it is a wonderful feeling to know that if you put your mind to
something it can be achieved, especially with the support of my son and
daughter in this specific case.
Over the last two years I have not earned a lot of money from the Real Estate
business in which I own 33 % and we as a family would hardly have been able to
survive on my income if it were not for my wife Rina, she kept us going while I am
looking for the big deal. I invested in myself by reading and studying “Rich Dads "
books. I thought I knew a lot about property, from what I have learned from “Rich
Dad” and being involved in the real estate market. I have bought and sold a
couple of properties during this period but without really knowing how to manage
the risk, every time a sale was concluded successfully it was an amazing feeling.
Then I heard about Hannes Dreyer’s Property Pro Seminar in Port Elizabeth and
attended it. (Must add that I were a bit confused but very excited at the end of the
seminar with all the new information) I went back to East London and looked at
each deal differently, looking for the deal behind the deal. Needless to say they
were there, and within three months after attending the Property Pro Seminar I
had bought four residential properties. Three of which showed a positive income
from day one (in a market like this, no-one could believe it were possible). I have
no cash or very little cash outlay on these properties because of your lesson with
the R 100 note. (Thank you Hannes, every time I have to take out cash I think of
that lesson and it burns my a... to use my own cash.). I got myself a partner that
were not involved in the property market but wanted to get into property. I
structured the deals in such a way that he would pay all expenses towards
transfer duties and fee’s and for that would own 50 % of the property. For my
effort of finding the property and negotiating the deal I own 50 %. Any alterations
we would go 50/50. (The properties we bought varied from R 140 000 - R 700
000)
During the Property Pro seminar you mentioned that we should buy from
motivated and uninformed sellers, with that in mind I have acquired 2 pieces of
land to be subdivided. The agreements are drawn up that I will pay for
subdivision and acquire finance after subdivision. The period it takes to subdivide
and lift restriction will give me time to sell this property again and at an increased
price. Cash outlay of approx. R 30 000 and I will sell at a profit of approx. R 450
000 comparing with similar plot sold.
I have also booked two plots in a new country estate development, first of its kind
in East London. Resale’s will start any day now and there is at lease R 80 000
profits to be made on each of the plots at this stage. Services will only begin to
be installed in November 2005 and registration will only take place in June 2006,
so the plots should grow in value. I have given small deposits of R 10 000 on

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both these plots but got away with not having to give guarantees for the balance
of the purchase price.
Two months ago someone told me about an idea they have for a national
marketing business. This has been an idea for some time and knowing the guys
would stay an idea. I knew that if I don’t take action nothing will happen to that
idea. After going through your notes of the mentoring programme I called a
meeting with all the relevant parties and a joint venture agreement were signed. I
proposed a plan of action on how to begin this company with as little risk as
possible and a positive cashflow even before we have started. Thank you
Hannes, once again all the answers were in your notes. I now own 45% shares in
the new company. All the agreements and contracts were drawn up for free by
the attorneys to whom we will send all our future business. We decided not to
employ employees but to sell licenses to individuals giving them exclusive right to
operate under our company name, creating a positive cashflow for the company
even before we started operating. The first ten consultants are to be signed on
and trained next week. My risk to date is approx. R 1 800 (a car trip to
Johannesburg and an advert in the Beeld news paper).We have empowered the
consultants and only take 20 - 30 % of their turnover. (A Little from a lot of
peoples efforts will earn me a good passive income)
Again as yet I have not earned any income from this venture but I have realized
that my success is not only money, we were successful by getting the business
set up in this way and we could only achieve this by thinking outside the box.
While doing the mind power coarse my whole family became involved and it had
such an impact on my son Ruan, that he today believes its is one of the reasons
why he played Cravenweek U18 Rugby this year. We will be traveling to Durban
tomorrow for an interview with the Shark Rugby Academy to enroll him.
Personally I have changed tremendously in the last year, from the moody
husband and father to a more supportive husband, I have found that the more I
support Rina the better she does in her career as estate agent. I find that I don’t
say no to my kids anymore without at least listening to their request first. MY son
and I have become very close friends, where before we were forever fighting.
Ruan is in matrix now and because of my enthusiasm about property he has
attended some seminars with me and can’t wait to go into business with me.
Rina by the way do not procrastinate for one second, one of my weaknesses
which I have identified and am working on to improve.
I found that similar people attract each other and am now a member of the Port
Rex Vryburgers, an organization that does fundraisers for needy people. Most of
the members are successful businessmen in East London, with a passion to help
other people. I have also been elected as chairman for the camp committee at
our church, something I would never have been involved before. Perhaps this is
the beginning of a more balanced life.

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Some days I still get very impatient but realize now that it is not one big event
that must happen for us to be successful. We should take note of the all the little
successes that we have and that it’s not only money that is success, but a
balanced life.
Jacques Jordaan
Thursday, September 29, 2005 Jacques Jordaan
Success follows doing what you want to do. There is no other way to
be successful
Malcolm Forbes
The day I decided my Lifestyle is going to change.
Back ground.
I am an IT Consultant .I am very successful in my career, but was never satisfied

with my job. I was not myself. I felt trapped and did not want to accept the road
that lied ahead for me .I have not completed my BSC Management Science
degree at university and felt like a half breed that does not fit in anywhere. I and
a friend have tried some money making schemes, but we learned the hard way
that it was just as it says, a scheme.
I was invited by the same friend to a free seminar of Hannes Dreyer which he
saw in a news paper advertisement. I have made some money before on
property, so I thought to myself let’s give this a try and see!!!
I went to Hannes’s seminar, one afternoon after work .I was very skeptical at first
but soon realized that this is something that is taking my interest by storm .Myself
being the person that I am, that does not believe anything someone tells me .I
have learned the hard way. I looked at these calculations in front of me, on the
presentation board and could not believe what I was seeing. It was too good to
be true, and true it was. There and then I decided that I am going to attend the
Property School one day Course.
This was the moment that my life and lifestyle started changing. Hannes says:
“Life is NOT about one major change; it is about doing the right things
constantly.” This is so important to me.
After the one day Property School course I saw everything in a different
perspective .Before I thought I knew everything about property, but I actually
realized that I knew nothing.

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It is now ten months down the line and I can proudly say that I am a successful
product of Hannes Dreyer.
I decided to make a lifestyle change and auctioned it. My financial status and
outlook took a 180 degree turn instead of heading for a disaster, I am heading for
real financial freedom .I know how to let my money work for me. I live a
comfortable life now. And I know that I am going to retire well. I have built several
passive income streams in this short time. I have geared myself for my next free
property. This drastic change in my life inspired me in such a way to recognize
the same frustrations in my wife’s working career, the same signs I now could
clearly identify. I explained to her the courses I attended and she read all the
material and listened to the CD’s and DVD’s I bought. We both took a conscious
decision and thought of an idea for her to work from home to ensure an income
.She resigned after 15 years working as a secretary, being someone’s dog’s
body. Her mind change was absolutely amazing, almost like a reinvention, and
she now constantly think of business ideas for us to explore. She is now working
from home for 6 months, being very successful as a consultant .The business is
growing satisfactory every month. The drastic change of ‘wanting to change your
mind’ to be able to identify ones own capability. She now lives her life by the
motto that NOTHING IS IMPOSSILBE! My wife and I are very happy and grateful
.Together we are working towards our goals. We are very closer to each other
and closer to God. I feel like a man with a Masters Degree in success. I now
have the keys to continue to be successful and financially free.
I have reached some of my goals already .But have not reached all my goals as
yet, but they are clearly defined .I am not rich as yet, but will be soon! I can not
retire as yet, who wants to retire in any way at the age of 30. But I became
financially independent in ten months time with Hannes’s Wealth Mentoring
course and Property workshops. I know that my life will look totally different in 5
years time from now, after I have completed the Wealth Mentoring Course of
Hannes Dreyer.
Two of the most important things that Hannes taught me so far, and that will
forever stay with me is:
Take action (Responsibility), Invest in yourself. I know I will learn a lot more from
Hannes, with time to come. Hannes is a man who is sharing his live story with
everyone who is willing to learn and to change, of his experience that he build up
over the years. I have a lot of respect for Hannes for doing this, because I know
that this is not an easy task. Thank you Hannes for sharing this with me” us”, you
changed my life.
If someone may happen to read this and think that this is not possible but still
want to change .Get of your chair and take some action. It is not going to happen
for you .You need to make this happen. And if you are willing to change your
Lifestyle, Hannes’s Wealth Mentoring Course is for you.

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Hannes knows how to teach you the secret to change not only your life but your
lifestyle.
Thank you for this opportunity
Christo Tolmay
Thursday, September 29, 2005 Christo Tolmay
Hallo Hannes,
Die eerste keer toe ek een van jou seminare bygewoon het, was ek redelik
stomgeslaan. Kort voor daardie dag het my man tuisgekom en vir my gese dat hy
op die punt staan om al sy polisse te kanselleer, aangesien hy die geld beter kon
laat groei. Hy het ook aangedui dat die maatskappye wat al hierdie polisse
administreer dit nie vir die pret doen nie, hulle maak geld daaruit, en dat ons
beter kan doen indien ons self vir ons toekoms voorsiening te maak. Dit het
amper geklink of hy vooraf een van jou sessies bygewoon het.
Wat ek van jou benadering hou, Hannes, is dat jy mense forseer (die wat wil, in
elk geval!) om vir hulle self te dink en eienaarskap te neem vir hulle eie welvaart
vorentoe, sonder om vir hulle presies te vertel wat hulle moet doen. Elke keer
wanneer iemand jou gevra het wat hulle in `n sekere situasie moes doen, was
jou terugvoer gewoonlik "wat sou jy doen?" OF "hoekom dink jy so?" OF "DOEN
DIE SOM!!!" In kort, jy leer mense om vis te vang, jy gee nie vir hulle die vis nie!
Ek het gedurende hierdie jaar oorweeg om 2 verskillende eiendomme te koop,

maar besluit om dit liefs nie te doen in daardie stadium nie (al het my vingers
gejeuk!), hoofsaaklik agv die volgende redes wat verband hou met wat jy vir ons
geleer het:
Beide besluite om te koop sou op emosies gebasseer gewees het (familie

betrokkenheid) sonder om op daardie stadium die SOM behoorlik te verstaan.
My kundigheidsvlak om die koop van die begin af in die `regte` regspersoon te

maak was nog onaanvaarbaar laag. Ek het nog bittermin van trusts geweet, wat
ek graag wou benut in die beplanning van ons welvaart vorentoe. (Ek het
intussen die trust werkswinkel bygewoon, en is nog besig met verdere ondersoek
om die beste opsie(s) vir ons te struktureer.)
Ek het verder ook my besluit aan myself herbevestig dat my gesin vir my baie
belangriker is as `n dolle gejaag na groei in my beroep, aangesien dit my verder
van kosbare tyd sou beroof om met my man en dogtertjie en ons toekoms saam
te spandeer (ek het bevordering van die hand gewys aangesien dit implisiet sou
beteken dat ek heelwat meer ure aan my werk sou moes spandeer en minder tyd
tuis)

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Ten laaste wil graag se dat ek die volgende baie waardeer van jou:
• Jy gee nie om om openlik te erken dat jy `n Christen is nie
• Jy gee nie om om openlik te erken dat Tanja en jou gesin jou lewe is nie
• Jy is bereid om eerlik en openlik jou kundigheid te deel en almal uit te daag om
beheer van hulle toekoms te neem, veral met jou mentor program
• Jy deel altyd `n gedeelte van jou opbrengs met `n instansie van jou keuse (in
hierdie geval Pretoria Skool vir Serebraal Gestremde Kinders), en ten laaste
• Jy gee nie om om trots Afrikaans te wees nie
Baie dankie vir jou inspirasie, doen so voort!
Vriendelike groete,
Lynette
Thursday, September 29, 2005 Lynette Minnaar
Hallo Hannes
My lewens verhaal is glad nie rooskleurig nie. Ek het geweldig arm groot geword.
My ouers het geboer en het `n baie primitiewe lewe gelei. Dit, opsig self, was
goed. Wat sleg was, was dat ek gebreinspoel is met die stelling dat dit mens
betaal op arm voor te kom. Dit het verseker dat my ouers subsidies op
koshuisfooie ens. kon kry. Ongelukkig het dit `n baie lelike letsel op my hele
denkwyse gelaat. So het ek dan geglo dat ek ARM moet wees. Hoe eenvoudig
kan mens nie wees nie!!
Ek het verder gaan studeer met `n beurs wat ek ontvang het. Dit sou my dalk
onder die swart mantel van armoede laat uitkruip. My geleerdheid kon my nie uit
die wurggreep van die armsalige kingerjare kry nie.
Na aanleiding van dit als besluit ek om een van my drome na te streef. Ek wil
vlieg! Vir die eerste keer het ek vryheid beleef en geweet ek doen iets vir myself
en omdat ek die begeerte het om dit te doen. Ek het gehoop iemand sien my
talent as vlieenier raak en gee my die groot BREAK wat ek nodig het. (Dit het nie
gebeur nie)
Die lewe stap aan en ek is met Carol getroud. Ons is reeds meer as tien jaar
getroud. Ek het `n tweede droom, dit was om weer op die plaas te gaan woon.
Die geld was maar skraps en die plaashuis het krag en kaste nodig gehad. Ek en
Carol besluit om `n pizza winkeltjie te koop. My vrou werk in die dag en ek in die
aand na werk. Daarmee kon ons geld bymekaar maak om krag te instaleer en
kaste in te sit.

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So begin ons deeltyds boer. Dit gaan goed maar nie uitstekend nie. Ons is
nogsteeds die gemiddelde huishouding. Met `n vrou vir wie ek baie lief is en drie
pragtige kinders was my lewe amper volmaak.
My drang om nog beter te doen was nog altyd daar. Kinders word groot en wil
dalk gaan swot en ek het geweet soos my huidige finansies is gaan dit baie
moeilik wees om kop bo water te hou.
Op die ouderdom van 39 hoor ek vir die eerste keer van Hannes Dreyer se
mentorskap program. Ek skakel en die CD van jou gratis seminaar word vir my
aangestuur. Ek en Carol het dit omtrent verslind. Ons was albei so uitgehonger
vir stabile vars inligting wat ons sou help om `n beter lewe te kan lei. Een ding
het ons wel geweet dat dit nie `n kits-ryk program gaan wees nie, en dit het ons
dadelik gemaklik gemaak om te weet dat dit van onself en nie iemand anders
gaan afhang nie. Jy is in beheer oor jou eie besluite!
My en Carol se verhouding het geblom want ons WERK SAAM. Elke dag daarna
is `n uitdaaging.
Ek is nog nie ryk in geldwaarde nie, maar deur die regte dinge stap vir stap te
doen saam met my lewensmaat, glo ek dat dit my ook beskore gaan wees.
Ons het verder gegaan om in onsself te bele en jou Property Pro kursus
bygewoon. Nou kan ek se dat ons, ons eerste eiendom op die regte manier
gekoop het. Ons het eers die Property Pro sagteware gebruik om te bevestig of
dit wel die regte koop is, en dit is beslis. Die koop is nou gebaseer op feite!
Ek sal nooit weer terugkyk nie. Daar is soveel positiewe lewenlus in my are en dit
net omdat die groot vet skille van my oe afgeval het.
Dankie Hannes
Groete
Don Barrie
Thursday, September 29, 2005 Don Barrie
Success follows doing what you want to do. There is no other way to
be successful.
Malcolm Forbes
Hannes says...

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I have had a temporary slump recently and have not been able to get myself
going for a while for various reasons. But all the time, I just think of what "Hannes
says...” in the various lessons and that the way forward is to take action.” The car
won’t go unless you take action". So with new-found energy, I have determined
to just keep going - to never give up, even if there are temporary set backs.
It was so exciting this evening to share with some friends some of the lessons I
have learned from you. My friends have started investing in property, and have
done amazingly well in a short space of time, but they didn’t know you existed
until today. It was so encouraging even for me to be able to "teach" them some
stuff I had learned in your workshop and mentoring course. They were especially
interested in what you had to say about negative gearing, because some of there
properties have negative cashflow.
So they can’t wait to "check you out" and learn some more, and I can’t wait to
really get into gear and really get my feet wet. And I know I can do it with
confidence because I am learning and gaining more knowledge all the time
thanks to you. So it’s time to get cracking and apply what "Hannes says..."
It was a valuable experience to share our knowledge, because it strengthens and

reinforces the lessons.
Here’s to lots more property deals.

Wednesday, September 28, 2005 Angela Carlson
It is a great pleasure to have you as my mentor. People normally say to know

whether one will be successful in future you must look at the type of people with
whom he/she associates. I have no doubt that in the next five years I will be
financially free. The real success was to subscribe to the mentorship program. It
has improved the communication and respect between my wife and I, as we
discuss the lessons together. Our attitude towards money is better than before as
we can account for every cent that flows out and see our mistakes. Our property
business is now generating a positive cashflow with assets in excess of R1.2
million. What I liked more was to take control of my life by prioritising my daily
activities towards achieving my goals. This makes us put the lessons into action
which produce positive results that excite us because knowledge that is not
applied in practice is useless.
Blessed & Highly Favored
Paul Lefera
Wednesday, September 28, 2005 Paul Lefera
Dear Hannes,

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It is with some reluctance that I write you my (success) story, for mine seems
relatively insignificant amongst the ones that I have read so far. Nevertheless, I
still have the urge to pay tribute to a man who has the absolute conviction that
anybody can be successful in his lifetime in his own way, for as far as Hannes
Dreyer is concerned the prove is in application of his system. And let me tell you,
he is oh so right!
My success story started in 1985 when I qualified as a pharmacist and

professional world of health seemed to become my oyster in no time. However
as Hannes also proclaims: `life is not a sprint but rather more like a well
organized marathon`. Big question to me was where to start the success story
when nobody had ever taught me the principles of managing my time, money
never mind my life. From the time that I started working with a small Pretoria
based pharmaceutical production company, I quickly realised that the only way to
`make it` was to develop my own formulations and bring them to market. To
make a long story short, the dream of my own formulations that `really work` has
never left my head and are still first priority. But what about money management
and the like. As I progressed through the years the one disappointment after the
other I encountered. It seemed as if nothing ever wanted to work. Especially
negotiations with the banks etc. were totally energy sapping experiences. But I
refused to give in to the bureaucrats and kept on pounding on doors small and
big. Seven years ago I decided to go back to the Netherlands the land of my
birth, in the process leaving everything that is dear to me behind and try and
make it there. I thought perhaps a tougher European environment would teach
me how to be successful. Let me tell you, I have at times set like `the desperate
man` with my head in my hands and thought of giving up. But in desperate times
the infinite intelligence of the universe or God if you like, perhaps then decided
that it was time to hand me a little present. That present came in the form of an
e-mail from a very good friend of mine in Cape Town, who had attended one of
Hannes Dreyer's Property Pro workshops. I thought nothing of it at first but after
a few weeks I decided to have another look at the website, read through the
prosa and phoned some people in South Africa. Being the eternal optimist I
decided to give it a try and asked my son in Pretoria to attend one of the free
`Wealth Creation` lectures. Robert’s enthusiasm was the first good news I
received. I had another good look at the site and decided to `dive in`.
I paid the first three months` fees with my credit card and gave Robert a present
in the form of paying his fees as well. I have since paid the whole once off
payment my son’s included and decided to follow Hannes’s full five year
mentorship program, for this is the chance of a lifetime.
In the meantime I have struggled through the goal setting lectures, it took me
weeks to work through the assignments, but there is some bright light at the end
of the tunnel. I can feel intuitively that this is the break that I have been waiting
for all these years. And I must say it is lifting my enthusiasm by the day and
week. I cannot get enough of the content of the lectures. And I cannot wait for the

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next week’s lectures to appear on the website so I can dive again into Hannes’s
knowledge and experiences.
Ploughing through the last couple of months of this year we have recently
launched the first range of three products for top athletes and serious sorters in
South Africa. On top of that we have had enquiries from Germany and Russia for
these products. And to tell you the honest truth I just know that with the
knowledge and experiences that I am picking up through Hannes’s knowledge
and advice we can only go one way and that is up, up, up and away.
A new lease on life and success indeed.
Kind regards,
Gert Portheine
Wednesday, September 28, 2005 Gert Portheine
I always remember an epitaph which is in the cemetery at

Tombstone, Arizona. It says:
“Here lies Jack Williams. He done his darndest”
I think that is the greatest epitaph a man can have.
Harry S. Truman
Prior to attending Hannes Dreyer’s property pro seminar, I always thought that
you had to work hard in order to be wealthy and successful. Hannes has
practically shown me how to make your money work for you in wealth creation
and the secret of using “other people’s money”
The greatest problem with our education system is the lack of life skills and no
system teaches how to manage your hard earned money. After attending
Hannes Dreyer’s life altering property pro seminar I took a decision to implement
what Hannes had thought us. 36 months later I have done no less than 35
property transactions, which equates to almost one a month! Some of them were
done individually while others were done in syndication. The end result is that my
passive income has increased to almost 55% of my salary and my goal is to
equal my passive income to my salary within the next two years.
The reality is that I am self employed and my salary depends on how much (or
little) I put in my business, whereas my passive incomes does not require any (or
very little effort). Ever since my 1st property deal I have become “passionate
about property” I've attended a number of seminars and workshops and read a
number of books and particularly those of Robert Kiyosaki’s.

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After reading and attending a number of workshops I knew “what” to do. Hannes
Dreyer’s seminar and practical knowledge has shown me “how” to do it and I
have never looked back since! The life skills though are not quantifiable, and I
believe it could be implemented in every aspect of my life to bring about change
that leads to desired goals and improving the quality of life.
In short Hannes has thought me to convert my Dreams to Goals and Goals to

Reality.
Thank you Hannes Dreyer for offering the life altering seminar!!
Wednesday, September 28, 2005 Rakesh Kalyan
Hallo Hannes
Ek wil graag my sukses verhaal met jou en die wêreld deel. Dit is ‘n verhaal van
‘n persoon wat van niks af vir homself ‘n toekoms gebou het. As ek dit kan doen
kan enige persoon dit ook doen. ‘n Baie groot deel van die sukses is toegeskryf
aan jou en aan die kursusse wat jy aanbied.
My storie begin omtrent in September 2003 toe ek die huis gekoop het waarin ek
nou bly. Ons het baie rondgesoek vir huise en het toe op die huis afgekom teen
‘n baie goeie prys en het dieselfde dag die koopkontrak geteken. Die huis was 3
dae in die mark. Ek het nadat ek die kursusse gedoen het uitgevind dit was wat
ons noem ‘n gemotiveerde verkoper. Die huis se waarde het tot vandag toe
omtrent drie keer meer geword as waarvoor ek dit gekoop het.
Ek het verder voortgegaan en ‘n klein een slaapkamer woonstel gekoop en was

in die proses om te wag vir registrasie van twee ander woonstelle toe ek van
Hannes gehoor het aan die einde van 2003 en toe ook sy basiese eiendoms
kursus bygewoon het. Met al drie hierdie woonstelle het ek die kostes uit my eie
sak betaal. Ek het intussen by Hannes geleer hoe om eiendomme te bekom
sonder om geld uit my eie sak te haal.
Ek glo daarin om altyd iets nuut te leer en as ek nie iets weet nie probeer ek
uitvind. Ek het vir myself ‘n doelwit gestel om teen 31 Desember 2004 in beheer
te wees van 1 miljoen rand se eiendomme. Vir my was dit baie geld en om daar
te kom van basies niks af was onwerklik. Ek het ook nie geweet of die banke vir
my geld sal leen nie. Daar was baie hindernisse om te oorkom voordat ek my
doelwit kon bereik.
In die jaar het ek nog ‘n klop woonstelle gekoop en dit self uitverhuur. Al my
woonstelle het ‘n positiewe kontant vloei. Ek het ‘n paar foute gemaak en daaruit
geleer. Van die foute het veroorsaak dat ek soms moes geld uit my sak uithaal
om die woonstelle te koop. Nie baie geld nie maar as jy nie foute maak nie dan
leer jy nie. Ek het wel in die jaar ‘n paar woonstelle gekoop sonder om ‘n sent

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daarvoor te betaal en dan kry ek nog ‘n positiewe kontantvloei net om hulle op
my naam te hê. Is dit nie ongelooflik om te dink jy kan eiendomme gratis kry en
dan nog ‘n maandeliks inkomste as ‘n bonus daarby nie.
Ek kon dit nie regkry om 1 miljoen rand se eiendom te koop nie. Dit het so goed
gegaan dat ek aan die einde van die jaar in beheer was van 1.2 miljoen rand se
eiendom. Ek het my doelwit met 20% verbygesteek. Ek en my vrou Tina was
baie gelukkig met wat ons die jaar bereik het.
Ek het dieselfde gedoen vir 2005 en weer vir my ‘n doelwit gestel. Ek wil in
beheer wees van 3 miljoen rand se eiendom teen 31 Desember 2005. Ek het
gedink dit sal vir my ‘n goeie uitdaging wees. Dubbel wat ek die vorige jaar bereik
het en hopelik sal ek die doelwit weer 20 % verbysteek.
Wel dit is nou 24 September 2005 en hierdie jaar het ek groter gedroom as
woonstelle. Ek het wel nog woonstelle gekoop maar hierdie jaar het ek ook 4
huise gekoop. Al hierdie woonstelle en huise het ek met die bank se geld gekoop
en niks uit my eie sak gehaal nie. Al my eiendomme is nog nie geregistreer nie
maar die lenings is 100% goedgekeur ek wag net om by die prokureurs te teken.
Al die eiendomme bied ook ‘n positiewe kontant vloei.
Ek is nou besig met ‘n nuwe leer kurwe. Ek het ‘n huis gekoop voor ‘n vandisie
dit sou verkoop. Die plek kort baie aandag. Ek wil spekuleer met die huis. ‘n
week nadat ek die koop kontrak geteken het, het ek alreeds met ‘n verkoop
ooreenkoms in my hand gesit vir die plek net soos hy is. Ek het dit nie aanvaar
nie. Ek gaan omtrent R15 000.00 rand spandeer op die eiendom om hom mooi te
maak en hom dan verkoop. Ek gaan nie aansoek doen vir ‘n banklening nie. Ek
behoort ‘n minimum van R100 000.00 in my sak te sit met die nuwe leer kurwe.
Dit behoort my ‘n maand besig te hou om die plek reg te maak en dan moet ek
omtrent 4 maande wag vir die geld. Ek dink nie dit is sleg vir ‘n eerste
probeerslag nie.
Ek het begin om van die kontant uit my eiendomme te onttrek om ander projekte
mee te doen soos die spekulasie huis hierbo en vir ‘n nuwe besigheid wat ek
besig is om op die been te bring. Ek het ook ‘n familie trust begin met die oog op
sekuriteit vir die toekoms. Ek het ‘n maand terug opgehou vir ‘n baas werk en is
nou besig om my eie bates uit te bou vir my en my familie se toekoms.
Wanneer alles registreer behoort ek in beheer te wees van 17 eiendomme met

‘n markwaarde van 3.9 miljoen rand. Weereens het ek my doelwit verby gesteek
met 30%. Wel ons moet onthou dit is nou eers September en ek kan dalk nog
een of twee eiendomme bekom voor die einde van die jaar. Ek sit nou net en
wonder wat moet ek die doelwit maak vir volgende jaar om dit so ‘n bietjie
moeiliker te maak om te bereik.
Al die eiendomme wat ek gekoop het, het ek teen baie goeie pryse bekom en as
ons net met ‘n eenvoudige sommetjie van bates (mark waarde van eiendom) min
laste (Verbande) min kostes om dit te bekom (soos oordrag en herstel kostes)

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maak dan het ek, deeltyds in drie jaar bereik wat ek nie in jare sou bereik het met
‘n gewone salaris nie.
Sterkte aan almal wat hierdie lees. Julle kan ook doen wat ek gedoen het.
Vriendelike groete en voorspoed.
Chris Venter
Wednesday, September 28, 2005 Chris Venter
I AM CORNELIUS UKATTAH, 43, HAPPILY MARRIED AND AN ESTABLISHED

BUSINESSMAN.I ARRIVED CAPE TOWN, RSA ON 20/03/05.BEFORE NOW I
HAD ENGAGED THE SERVICES OF ARCHITECTS AND ENGINEERS TO
DEVELOP LOGISTICS FOR THE DEVELOPMENT OF TWO HOUSING
ESTATES THAT WILL HAVE THE BEST OF ALL LIFE`S PROVISIONS AND
AMENITIES AND BETWEEN JANUARY THE 2ND AND MARCH 10TH 2004,
THE PACKAGE WAS SUBMITTED TO AN ORGANISATION FOR 100%
FUNDING THROUGH A FOREIGN LOAN TOTAL COST WAS ESTIMATED AS
US$50M.
BY DIVINE PROVIDENCE ON SUBMISSION OF THE DRAWINGS, DETAILED

BUSINESS PLAN AND CASH FLOW LOGISTICS A PROVISIONAL APPROVAL
WAS GIVEN BUT WITH A CONDITION THAT UPON AVAILABILITY OF ALL
REQUIRED DOCUMENTS AND GOVERNMENT APPROVALS A PROCESS
FEE OF A TOTAL OF 35000 UK POUNDS STERLING MUST BE PAID.
I DID NOT HAVE THE CASH.
I CAME TO RSA TO SOLVE THE 35000 POUNDS CHALLENGE.THE

TRANSACTION BY WHICH I WAS INVITED INTO RSA WAS CLOUDED WITH
UNFAVOURABLE CIRCUMSTANCES AND FAILED AS I REJECTED TO
CONTINUE, IT WAS FOUNDED ON NON REALISABLE LOGISTICS.
I STARTED MEDITATING ON `WAYS OUT OF THE HOLE`.BY THIS TIME I

SAW A NEWSPAPER ADVERT BY HANNES DREYER WITH A PHRASE: HOW
TO CONVERT AN INVESTMENT OF LESS THAN R1 TO R10M IN FIVE
YEARS, IN ADDITION AN INVITATION TO ATTEND A FREE SEMINAR TO
HEAR FROM THE GURU HIMSELF ON HOW HE WILL DO IT BY JUNE THE
8TH, 2005 OR THEREABOUT, I COULD NOT ATTEND, AS I WAS
HOSPITALISED AT NEW SOMMERSET HOSPITAL.
A VISIT TO HIS WEBSITE AND AFTER A THOROUGH STUDY OF THE

CONTENTS I FOUGHT ALL OBSTACLES TO SUBSCRIBE TO THE
MENTORING PROGRAM,THAT WAS ACHIEVED ON 26TH
SEPTEMBER,2005.SAME DAY I RECEIVED MY USERNAME AND
PASSWORD.AS THE LESSON 1 WAS SENT TOGETHER WITH PRACTICAL

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OVERVIEW OF WHAT THE CHALLENGE ENTAILS AND HIS
PROGRESS,WITHIN 48 HOURS THE 35K UNITED KINGDOM POUNDS
CHALLENGE BECAME A TESTIMONY WITH AN INPUT OF R500,AS I
UNRAVELLED THE WAY HE NEGOTIATED TO PAY R.079 FOR A BILL THAT
WOULD HAVE COST OVER R250000.
AS I EVALUATED MY GROSS INCOME FOR THE PAST 14 YEARS OF

BUSINESS ACTIVITIES AS COMPARED BY H.DREYER`S PROGRESS IN 42
WEEKS AFTER THE CHALLENGE TOOK OFF, TOO LOW FOR ZERO. I GOT
THINKING,HENCE MY ENTHUSIASM WELLED UP.ALL THINGS ARE
POSSIBLE BUT SELF DISCOVERY IS ETERNAL RECOVERY,I WILL
JOYFULLY CONTINUE WITH THE MENTORING PROGRAM BUT REJOICING
THAT MY HOUSING PROJECT WILL START JANUARY 2ND,2006 WHEREAS
I HAD LABOURED SINCE MARCH 2004 TILL SEPTEMBER 26TH 2005 TO
SOLVE 35000 POUNDS HURDLE.
HANNES DREYER, THE GOD I SERVE WILL ENLARGE YOUR COAST AND
OVERSHADOW YOU WITH UNIMAGINABLE BENEFITS LIFE CAN PROVIDE.
THIS IS WHAT I CALL `DIGGING DEEP FOR OPTIMAL SATISFACTION AND

FULFILLMENT IN LIFE", YOU WILL LIVE LONG TO IMPACT MORE ON YOUR
GENERATION.
CORNELIUS UKATTAH.
Wednesday, September 28, 2005 Cornelius Ukattah
Hannes, to elaborate on yesterday’s story the lesson for other students may be in
this. I recently applied for two additional home loans from the same bank that
holds all of my accounts, and both were declined because repayments would
exceed the 30% of our combined income.
I did not take no for an answer, but escalated the situation to the consultants
supervisor and the in turn to the regional manager, at this level people seem to
think differently.
Factors such as rental income were not properly considered, and also property
for which the application was submitted was not currently bonded.
The lessons here are to take responsibility, pursue to the end and know what you
can achieve, set goals and make them happen.
With these principles, it is easy to see why Hannes is where he is.
Thank you for sharing these learning’s with us, I am in week 4 of the programme,
I Also did the Property-Pro workshop, and it has changed our lives,

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God Bless
Wednesday, September 28, 2005 Alan Boucher
I attended your course in the middle of 2004. What you taught us on that day has
changed my life and my way of living. It inspired me to the extent that I
subscribed to your mentor program.
Because I do not come from a financial background I find it difficult to keep up

with the lessons but I keep going in the hope that I will one day understand it all.
One thing that I do remember was that if you can find a bargain, spend some
money on fixing it and then sell it for a profit you are in the process of creating
wealth.
In February 2005 I bought a house in Sandton, Johannesburg. It had been

vacant for almost a year. I paid R 1 000 000 for it. The transfer and bond costs
came to R 80 000.00. I spend R 176 000 on fixing it up. According to the accesor
from the bank it is now worth between R 2 300 000 and R 2 500 000 giving me a
100% return on investment (+R 1 000 000) in less than a year.
Now that makes me feel successful!!!!!
Thank you Hannes for helping me think outside the box.

Wednesday, September 28, 2005 Nic Du Toit
Thank you for coming to look at our success stories. I joined Hannes Dreyer’s
Mentorship Program at the very beginning. Yes I have been walking with Hannes
Dreyer for the just under one year. What a wonderful journey.
The questions uppermost in your mind right now would probably be “Is Hannes
Dreyer for real or is he a bull-duster?” “Will I get value for money?” “Is this
mentorship program going to help me?” “Is this worth it?”
Allow me to answer each question briefly.
For Real or Bull-Duster
As I have read Hannes’ epistles (letters) each week I have began to piece
together some of Hannes’ character traits. Hannes is a man with integrity.
Hannes is a man with immense practical knowledge on life. His lifestyle
management program teaches about a balanced lifestyle (14 areas of your life,
money is just one of them). Here I have learnt the most and have changed as a

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person for the better. I’ve needed to make small changes to my lifestyle each
week as I’ve eagerly internalize his weekly lessons. I’ve started to live by the
following statement”
“A small movement or change in the right direction now, enables you to make
giant advances in achieving your future goals, dreams, successes and purposes
in life.”
For me Hannes Dreyer is for real!
Value for money
You know how a parent tells a child if they want that special toy they have to
save for it! Only to see the parent do everything they can to allow the child to
earn the money to enable the child to get the desired toy as quickly as possible!
It’s like, show me you WANT it and I’ll team up with you to make it happen!
That’s Hannes Dreyer! In week two he has makes a way for you to recover the
costs of your mentorship program. Simply introduce others to the program and
he’ll pay you cash in the back pocket. Today I receive R500 monthly for other
people I have introduced into the Mentorship Program. Might not sound a lot for
you, but for me it means I get my mentorship training for the rest of the course
FREE.
Would I still do it if I did not get my mentorship program for free? Yes without a
doubt.
Will the Mentorship Program Help You?
Do you WANT to learn? Are you willing to DO as Hannes teaches? Then the
answer can only be one thing. YES the mentorship program will help you.
I’ve been married for 20 years. For 20 years my wife and I have done a monthly
budget. You would think we would know a thing or two about budgeting. Well,
what Hannes taught us has made us go back and re-do and re-think the way we
do a budget and why we do the budget. (To create a surplus)
Hannes’ Lifestyle program taught my wife and me that we were not living a
balanced life. So we are in the process of making changes so that we can live life
to the full. Enjoy each day. Grow to become better people. This mentorship
program could save your marriage and your family life. I’m dead serious, I’m not
joking. It’s not just about money. Money cannot buy you happiness. (But it sure
does help to make life easier.)
Is it worth it?
Yes it is worth it! At first I wished Hannes would just get on with it tell me how to
make the millions with a little bit of money. He keeps telling us he needs to lay

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the foundations. We need to learn to crawl before we can walk. Walk before we
run.
Well, now there are some weeks that I cannot absorb all that Hannes is teaching.
Some weeks the information has such huge paradigm shifts of thinking that I
need to re-read the notes again and again before truly getting to grips with the
full impact of what Hannes is teaching. Now I’m no dummy, after all I do have a
degree. But hey, they don’t teach you this stuff at University.
Yes this mentorship program is worth it and I’d encourage you to join. Give it a
go for a year, then re-evaluate if you want to carry on. You can get out at any
time if you feel you are not getting value for money. Will I get out? No way, I’m in
it for the full ride.
“Action without vision is only passing the time;

Vision without action is merely dreaming;
But vision with action can change the world.”
– Nelson Mandela
Do you WANT to learn?
Are you willing to INVEST in yourself?
If the answer is YES and YES
Then join Hannes Dreyer’s Mentorship Program today! You won’t be

disappointed.
Trevor Farley
Wednesday, September 28, 2005 Trevor Farley
People are always blaming their circumstances for what they are. I
don’t believe in circumstances. The people who get on in this world
are the people who get up and look for the circumstances they want
George Bernard Shaw
What a humbling opportunity to pen down the changes in my life since I joined
the mentoring programme.
I went along with my husband to one of the free seminars presented by Hannes,
not having the faintest inclination what it was all about. I must admit that I was
one of the skeptics and questioned everything that Hannes said, but after
listening to him for a while, things certainly made a lot of sense. All sounded very
interesting, but I had to start thinking things through.

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My husband was very enthusiastic about everything, but I was the one who was
cautious. There are so many people out there who are out there to take
advantage of you and all they are interested in is enriching themselves at your
expense.
My husband goes away from time to time and it was during this time, that I
started investigating Hannes’ site and reading all the success stories. I was
certainly hooked.
I decided to join the mentors programme, as I wanted to see what this was all
about, still very cautious about the whole thing but I knew that the longer I waited
to join, the more valuable time I stood to lose.
Needless to say my husband was most enthusiastic when he heard that I joined.
After three months I knew that I wanted to be part of the mentoring programme
right to the very end and I wanted to learn as much as possible from what
Hannes could teach me.
The fact that Hannes not only talks about it, but applies what he says, `been
there and done it" says it all.
I am now in week 27 and have not regretted a single day since I joined the
programme. Hannes has been such motivation to me, week after week.
Right in the beginning, I understood that what Hannes was teaching were
foundations. When you think about it foundations are extremely important in all
areas of life, strong foundations in particular. Take a house for example, when
those foundations have not been laid properly, there will be cracks and they will
eventually not be as strong as what they should be.
Through this foundation building phase various areas of my life were highlighted
as not being so well implemented and needed change as they weren’t at the full
optimal position. When looking at a range of 1-10, there was definitely room for
improvement. The programme has most certainly brought a greater awareness of
many things in my life.
Habits are formed in life and they take time to change, implement and establish
new ones. One has to be constant on your guard, as it is easy to slip back in to
old habits.
What was good motivation for me is that errors were highlighted as the truth was
exposed.
Invest in oneself as Hannes says, was a challenge for me as we have not been
raised in that way. It was a thought pattern that had to be changed and I
therefore reasoned it through. Not just "accepting" that what Hannes was saying
was true. It needed to become my own and revelation to me. I didn’t just want to

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become a sponge or a "cd" copy of "Hannes cd". There is copyright and
exclusivity to each individual. That’s what I like about Hannes to, there is
copyright on his products.
I reasoned that I certainly could learn from Hannes who was most experienced in
what he was doing. All I knew is that I needed to examine everything to see for
myself whether it was indeed true or not. I know his motives are pure.
Investing in yourself is a kingdom principle. You see I am a child of the most High
God and His word guides me in all things. In the word are principles and every
way all things are done in life. Thus are things needed to be tested against the
Word of Truth? The word also says that people were deceived because they
weren’t lovers of the truth.
Its the same today when we get up daily- Invest your time with the Father to
strengthen yourself to walk in His ways (invest) and then again you can help
strengthen and encourage others that are struggling, are weaker and that way
they receive hope.
Therefore investing in yourself first to improve is very right and that’s what
excites me.
I attended a speed reading course on Hannes's recommendation and it was a

need of mine at the time. WOW!! What a wonderful learning experience, time
improvement as we are in control of our time (foundation) and at the same time it
improved my learning skills (am a student with my last four BCom subjects. That
is just so exciting.
When we got to High Productivity, I saw that I was exactly like one of the people
he was talking about, "busy" but not achieving what I was set out to achieve. I
was a procrastinator!!
I constantly apply what I have learnt and turned that around. That way I achieve
what I set out to achieve and have so much extra time... Thank you Hannes and
thank you Lord. God certainly answers prayers and sends the right people along
into your life to speak to you.
What excited me so much as well is to see that Hannes is also a child of the
most High God and that he has a personal relationship with Jesus Christ. I am
praying for you to Hannes, because we all need people who pray for us. I
continue to check things as they come up.
I have not been able to do all the practical, which are vital as they bring such an
awareness in your life. Only as you start doing them, errors are highlighted and
even wrong reasoning, because it means you actually are thinking about them. If
you didn’t do it, you would still think the way you think is correct, even though it
may not be. The reason why I haven’t done all the practical is because I am
preparing for my final exams and I am merely prioritizing my time (something

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Hannes taught me thought he mentoring programme and I know my
weaknesses- do all sorts of things first that are nice, before doing what I am
meant to do).
The mentoring course excites me because I know that my life can only improve
thought it and I know it’s only through application, even as "faith without works is
dead and works without faith is dead to"
It’s when faith is outworked through the doing that it brings forth change.
It’s about taking responsibility and leading by example, because many people are
observing our actions particularly our children. I have already changed some
class 3 experiences to class 2 and am aiming at changing it to class 1
experiences.
I also attended the property workshop recently and I was absolutely life
changing. My husband is back soon and then he will be attending the workshop. I
can already see many areas that need change there but are just waiting for my
husband to come on the same thinking level, in order to do it. We always agree
to do things together which I think is important, particularly when its decision
time. He has been working through the mentoring programme and feedback from
him is that he can see why Hannes wants us to work together as a team, goal
setting, budget, finances etc. That has been so wonderful to me. Together in
these areas we will be like a double edged sword. Finances have always
interested me and it just made it so much more alive, and it is as if a veil is
removed from ones eyes. Salvation all over again. Thanks for helping to change
my life Hannes. When I write my final exam on the 12th of November, I am fully
committed to internalizing everything.
Initially I was not planning to write a story as I knew it would be time consuming. I
also know it’s important to do it. I hope this is encouraging - I cannot begin to
express in words how thankful I am and the changes that have been brought
forth.
May it go well with you and your family Hannes and wishing you all the success
in the world? Stay strong in your faith all the time.
Ella
Tuesday, September 27, 2005 Manuela Patterson
Hi there,
I have been rather hesitant to share my story, because it’s not the usual run of
the mill. In fact – it would probably go against all your better judgment. But hey,
you were influential in giving me a mind-shift, so here goes…

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I’ve decided to follow my dreams whole-heartedly and with gusto. I’ve decided
that as long as I live in the “rat race” and “in the box” I will never discover my true
potential. So in order free myself I’ve put my house on the market, sold some of
my belongings and I have given myself a year in which to rid myself of all
unnecessary things in my life. I’m planning to buy a yacht and by next year
October I will be sailing around the world! I am so excited about this because I
am convinced that by doing this I will discover new passions and skills and be
able to live a fuller life.
So NO, I am not buying houses, creating trusts, building businesses, etc…

Instead I am giving up everything to put myself in a position to stand “outside” of
society and see things from a whole new perspective.
I’ve enjoyed your material, especially the parts on writing down your dreams, and
looking at the “Wheel of Life” and all the things on who we are and how we live. I
know this is drastic, but I’m not a guy for half measures…
Brendan
Tuesday, September 27, 2005 Brendan Dale
Hi Hannes
Hiermee my sukses storie.
In 1995 het ek my B Comm Rek graad gekry met sterre in my oe, min wetend
watter harde pad vir my voorgele het. Ek het begin met my Honneurs en in Mei
1996 opgeskop omdat ek heeltemal belangstelling in my studies verloor het. Ek
is van nature iemand wat maklik verveeld raak en van verandering hou, en ek het
geweet ek sal nooit ‘n Geoktrooieerde Rekenmeester kan wees nie. Dit was
egter met die oog op my eie besigheid dat ek oorspronklik B Comm Rek gaan
swot het.
Nadat ek opgeskop het, het ek nie geweet wat om te doen nie, toe word ek maar
‘n eiendomsagent. Na drie maande het ek besluit ek moet uit my geboortedorp,
Brakpan, padgee omdat ek nie daar wou opeindig nie. Ek het binne ‘n week en ‘n
half besluit om Pretoria toe te trek, ‘n werk gekry as ‘n motorverkoopsman by
BMW, getrek en begin werk! Ek het werklikwaar gedink dat 1997 die beste jaar
van my lewe gaan wees en dat die lewe in Pretoria nou gaan begin. Meer
verkeerd kon ek nie gewees het nie. Na 3 ½ maande het ek en ‘n ander
verkoopskonsultant bedank omdat ons nie ons targets gemaak het nie, deels
omdat die engelse verkoopsbestuurder al sy leads aan sy ander 2 engelse
verkoopsmaatjies deurgegee het.
Nadat ek vir 2 maande werkloos was, het ek by Toyota in Brooklyn begin werk,

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maar na 2 ½ dae bedank toe hulle vir ons se ons moet op vakansiedae en
Saterdae by Loftus wees omdat McCarthy die rugby borg, wetend dat daar nie ‘n
manier is dat iemand by ‘n rugbywedstryd ‘n kar gaan koop nie! Ek het ook
besluit dat as ek so hard moet werk, werk ek liewer vir myself.
Gevolglik het my lewe as besigheidsman begin. My pa het ‘n apteek gehad wat

baie goed met parfuum gedoen het, en my broer het reeds ‘n winkel in Boksburg
gehad. Dit was net natuurlik dat die besigheid ook uitbrei na Pretoria, en
gevolglik het ek ‘n winkel in Centurion oopgemaak. Die kort en die lank is dat ons
tussen Oktober 1997 en Maart 1999 slegs een maand ‘n wins getoon het, en oor
die R 300 000 se skuld gehad het toe ons die winkel toegemaak het, en ek moes
by my pa in die apteek gaan werk. As ek nou terugkyk op daardie tyd besef ek
dat ek met my B Comm Rek graad en al nie ‘n clue van besigheid gehad het nie!
Gelukkig het ek in daardie tyd met groothandel begin en parfuum van Dubai af
ingevoer om aan ‘n groot kettingwinkelgroep hier te verskaf. Ek was nog altyd ‘n
risikonemer, maar kan partykeer net lag as ek terugdink aan wat ek gedoen het.
Toe die winkel toemaak, het ek R 150 000 by iemand geleen met een van my pa
se eiendomme as sekuriteit, wat ek na 45 dae moes terugbetaal met R 10 000 se
rente! Wat meer is, voordat ek oor is het ek R 30 000 van daardie geld gebruik
om ‘n krediteur van die winkel te betaal. Met die oorblywende R 120 000 het ek
my vliegkaarjies, verblyf en al die voorraad wat ek my hande op kon le, gekoop.
Ek het Dubai verlaat met net $2 wat ek nie uitgegee het nie. Ek het my voorraad
verkoop vir R 180 000, my R 160 000 betaal en die res gebruik om nog
krediteure te betaal.
Na 21 maande in die apteek , in Januarie 2001, het ek saam met die ou wat
hoofseun van my skool was toe ek in std 6 was, in besigheid ingegaan. Hy was
in die mikroleningsbedryf en in Mei 2001 het my tak in Pretoria oopgemaak, 51%
syne en 49% myne. Na slegs drie maande het die piesang die waaierband
getref, My salaristjeks asook my beleggers se rentetjeks (toevallig almal my
vriende) het begin hop en dit was die begin van die einde vir ons hoofkantoor. Ek
het toe my aandeel uitgekoop deur al my beleggers se skuld oor te neem,want
ek het gevoel dat hulle op my advies bele het en ek kon hulle nie nou in die steek
laat nie. Die uiteinde was dat ek R 296 000 betaal het vir ‘n besigheid wat ‘n
debiteureboek van R 110 000 gehad het en ‘n omset van slegs R 50 000 p.m. Ek
het nog bo-op dit dadelik R 130 000 geleen by twee beleggers en persoonlike
lenings aangegaan om die besigheid verder te groei en kop bo water te hou. Ek
moes seker heeltemal van my kop af gewees het!
Vir die volgende twee jaar het ek laag gele en hard gewerk, met net een doel
voor oe – om van hierdie besigheid ‘n sukses te maak. Ek het op stadiums meer
as 70 ure ‘n week gewerk – 9-4 by my besigheid en vir eers na-ure en naweke by
‘n apteek (vir R 17 per uur), en toe later-aan as ‘n kelner by ‘n restaurant in
Menlyn. Ek het altyd gese ek sal nooit waiter nie en dit is nogal ironies dat ek toe
op die ouderdom van 28 myself vir die eerste keer in ‘n waiter se skoene bevind
het.

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My rede vir die ekstra werk was om eerstens kos op die tafel te kan sit as die
hele kaartehuisie inmekaarval en tweedens om myself besig te hou, anders sou
ek mal geword het. In totaal het ek in 820 dae net 13 werksdae vakansie gehad,
en natuurlik geen siekverlof nie!
In hierdie tyd het ek ook op ‘n stadium besluit dat ek maar moet begin werk soek
en dalk die besigheid moet verkoop, want ek het soos ‘n absolute loser gevoel.
Ek dink ook dat ek kan se dat die Here in hierdie tyd elke deur om werk te kry vir
my toegemaak het , want elke keer wat ek vir onderhoude gegaan het en hulle
uitgeving het ek het my eie besigheid, was dit sommer die einde van my
onderhoud.
Gelukkig hiervoor. want in die 2e helfte van 2002 het dinge begin draai. Die
besigheid het begin optel en uit sy nate begin groei. In 2003 was 10 van die 12
maande rekordmaande!
Ek het ook in Maart 2003 besluit om ‘n tuinhuis in Faerie Glen ,waarin ek saam
met 3 ander mense gehuur het en waarin ek al vyf jaar gebly het, te koop. Voor
toe was ek te bang om eers met die bank te praat, bang dat hulle my “balancing
act” sou agterkom en die mat onder my voete uitruk. Ek was nogal aangenaam
verras toe hulle my lening goedkeur en ook baie bly, want ek het geweet dat die
eiendom ‘n bargain was. Toe die koop in October 2003 (na baie gebede dat die
“bargain” nie deur die mat sou val nie) uiteindelik deur is, het my nuwe huurders
van dag een af my hele verband en die levy betaal! Sederdien het die eiendom in
2 jaar verdubbel in waarde!
In Junie 2003 het ek nog drie eiendomme gekoop, en in Maart 2004 nog twee.
Ek het intussen drie van die vyf verkoop met gemiddeld 35% groei op elkeen.
Om alles te kroon, het ek omtrent geen risiko gehad nie omdat die transaksie
soos volg gestruktureer was. Eerstens was daar ‘n R 10 000 buffer wat uit die
verband teruggekom het om die verskil tussen huuropbrengs en die verband te
subsidieer, en tweedens het elke eenheid ‘n huurwaarborg van ‘n jaar gehad.
Derdens het die bou 6-12 maande geneem, wat beteken dat daar, saam met die
huurwaarborg vir ten minste 18 maande geen risiko was nie, maar wel gratis
kapitaalgroei!
In Julie 2004 het ek en my broer bankrepo eiendomme begin koop, hoofsaaklik

in swart gebiede, maar ook hier en daar in wit gebiede. Op van hierdie
eiendomme het ons al tot oor die 500% wins gemaak! Ons het selfs ‘n plot vir
R5000 gekoop en ‘n bankwaardasie teruggekry van R 85000!
‘n Ander eiendom het ons gekoop vir R 200 000 en die bank wou ons nie een
sent gee nie(hulle het duidelik nie die potensiaal gesien wat ons gesien het nie),
en ons moes toe kontant betaal. Nadat ons omtrent R 160 000 gespandeer het,
het ons die eiendom vir R 850 000 verkoop!
Selfs “gewone” eiendomme kan nou nog vir bargains opgetel word. In Junie 2005
het ons ‘n plot van 4.04 hektaar gekoop en amper onmiddelik offers gekry van

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50% en meer as wat ons betaal het! Ander eiendomme van tussen
R 250 000 en R 300 000 koop ons nou nog vir ten minste R 100 000 onder hulle
markwaarde!
Huidig, na al die harde werk en drama, lewe ek op minder as 50% van my netto
salaris (ek herbele die res) en werk gemiddeld 2-3 ure per dag. Die res van die
tyd ondersoek en werk ek aan ander geleenthede, geniet my sport en herbele in
myself. Ek hoop en beplan om op 35 (4 jaar van nou) werklikwaar finansieel vry
te wees, en my doelwitte lyk soos volg:
- 5 Selfonderhoudende/kontantvloeipositiewe besighede
- 20 Kontantvloeipositiewe eiendomme
- R 100 000 p.m. passiewe inkomste in 2005 terme
- Netto bate waarde van R 5 miljoen
- 20% van bates likied/buffers
Baie dankie, Hannes, vir jou voortgesette inspirasie en die kennis wat ek
opgedoen het deur jou kursusse en jou mentorprogram, veral op dinge soos die
trusts en struktuur en hoe om risiko af te dek. Sterkte met jou “challenge”,
Groete
Stephen Rademeyer
Tuesday, September 27, 2005 Stephen Rademeyer
Hannes,
Teaching me to take responsibility by showing how has saved me lots of hard
earned cash. I felt that I was responsible, but after attending your course knew
what it meant to take responsibility. Negotiating better interest rates with the bank
is something I didn’t ever think of doing, simple yet saved me stacks of bucks.
I have bonds greater than the 30% of income that the banks allow through
negotiation, speaking to the right people and showing capital acquired through
growth on other properties (Positive gearing) also taught on the property-Pro
workshop.
I am now looking for properties with an excellent IRR, and I will find them doing
the "Calculation".
I am also in week four of the mentoring program and am currently trying to use
the newly acquired skills of "Direct Response marketing" and the one I am really
impressed with is "Passive Marketing", will feed back shortly on progress.

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God Bless
Tuesday, September 27, 2005 Alan Boucher
My Success Storey started when I decided to give control over to the Great
Architect and to let Him rule my life the way He wants.
During the last couple of months I have grown tremendously and Hannes and the
Wealth Creation Team has a lot to do with this growth. Hannes at his seminars
and through the mentoring program taught me many things, one of which was to
take control of my finances but also to commit and stay committed to my dream.
Recently I have ‘conquered’ the big Mount Kilimanjaro. I summated the mountain
on Monday morning (19 September 2005) at 04H00. I was there first and could
stand on top of Africa, alone: Only me, my God and my thoughts. I said a prayer
and thanked God for the road He has guarded me upon. As I was walking back
to meet up with my partner I thought: Summating this mountain is like taking
charge of your life (including your finances) – the first step is driven by the
challenge. The further you walk the harder you must work at keeping your goal in
mind. All the way the guide would remind us to keep Uhuru Peak (the goal) in the
eye. When I started of on my way to financial freedom I was all excited, but the
excitement faded and I realized: this is the time to stick to the system and keep
my eye on the goal.
Reaching the highest point in Africa is great, reaching your financial goals might
even be better!
This experience was enhanced by what Hannes toughed me. Take life a step at
a time! Joining The Wealth Creation Team was my first step.
Hendrietta
Tuesday, September 27, 2005 Hendrietta Mostert
Dear Hannes,
Thank you for the opportunity to share with you my story.
I started BCom Law in 1996 full time at RAU, today University of Johannesburg
and completed with it in 1999. After that I did my LLB part time while working at a
legal firm. Some time during this period I stared to lose interest in law and
finished with my LLB in 2003.

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I attended your free seminar in May of this year and the Property Pro course in
August. Now, that was absolutely mind blowing, thank you very much! I have
also bought my 1st house with an IRR of more than 100%. Currently I am busy
with week 6 on your mentor program. Every week just make me more exited.
I have done marketing for the last 4 years and have sat on the wrong side of the
table just too many times. Don’t understand me wrong the experience I have
gained as a marketer is absolutely priceless. Slowly but surely I was getting
worried because marketing and the whole corporate thing was not doing it for me
any more. So where to go now???
Some time 2 weeks ago while reading through your mentor program it hit me like
a brick between the eyes. How can I apply your first law…..how can I invest in
myself while doing my work and reach for my dreams????? I am so excited!!!!!
Here is my plan I decided on.
1) Start doing my articles and attend law school in January 2006
2) To qualify myself as an attorney as soon as possible.

3) To qualify myself as a conveyancer as soon as possible.
I am taking responsibility for my actions by committing myself again and going for
my dreams.
I thank you and your whole team for the support.
Kind regards,
Abe Kempen
Tuesday, September 27, 2005 Abe Kempen
Hi Hannes and family
Towards the end of 2004, a friend of mine introduced me to your ideas and
seminars/courses. On his advice, I immediately purchased two properties as
there was only space on your seminar in 2005.
During the beginning of the year, I attended your seminar, did your property pro
course and purchased your property pro software. I am also participating in your
mentorship course. I am amazed at my age of 61 by these interventions, to find
out how much I have missed in my life. However, I found that it is never too late
to start. I now have four properties and have started my own little sideline
business which is also growing. One of it is to sell Cape dried peaches from my
families farms in Montague.
I was extremely disappointed in the pay-out of a 20 year savings plan by a well

known insurance company(less than 6% gained on top of my premiums paid

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during the period). I have some more to be paid out, but am not optimistic at all.
On the other hand, my properties are growing at a remarkable rate, even though
the market is at a lower level presently.
I have changed one of the bedrooms with on-suite bathroom in my house by

adding a little kitchen in the one corner and external door which I am renting out.
Just recently, I got the idea to add a bay window. The supplier did this in one
day, adding enough space for a small lounge suite. The rental from this and the
tenant in one of my newly purchased units cover my bond on the new unit plus
the levies.
One Saturday night in April, we watched TBN. The presenter spoke about 58
blessings from Isaiah 58. He then called upon the viewers to contribute $58 per
month for 12 months to spread the gospel. You had to make a list of your 58
blessings for yourself and others. My wife and I did that, but contributed R58 per
month to our local world evangelism and missionary organization. Within five
days we got a call from Cape Town. The cell provider offered a discount on our
cell phone contract of more than R50 per month for 24 months plus a new phone
and our remaining three months of the contract cancelled. The new phone was
delivered at my office within three days. Many of the blessings on our list have
already happened.
The above action was actually triggered before by Hannes` call to also give to
those in need and he also sets the example. The ideas that was triggered by
Hannes’s interventions in the lives of me and my wife is still amazing. I have also
adopted his views not to associate with negative people. I have spoken to a
negative friend about this and his attitude changed to such an extent that after a
month thereafter his bank balance was positive for the first time in many years of
his business.
So, your interventions changed me and my wife’s lives in remarkable ways we

have never thought of, even at our age. The money spent on these have on its
own earned an amazing amount. There is definitely a multiplier effect present.
May you and your family be blessed together in this great task you have taken
upon your shoulders?
Pieter and Dia Enslin

Tuesday, September 27, 2005 Pieter Enslin
If a man is called to be a street sweeper, he should sweep streets

even as Michelangelo painted, or Beethoven played music, or
Shakespeare wrote poetry. He should sweep streets so well that all
the hosts of heaven and earth will pause to say, here lived a great
street sweeper who did his job well.
Martin Luther King Jr

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Hannes Dreyer is the cause of my midlife crisis at age 38
I joined the mentorship program on 9 February 2005 after attending one of the
free informational seminars. I had been reading books on wealth creation for
three years prior to this, but without actually taking any concrete steps that could
bring me closer to my goals. I found the weekly lessons extremely informative
and enrolled in the Property Workshop in April. Hannes explained his formula for
riches. The “S” in the formula meaning “surplus” was a real problem for me.
Being in a dead-end job there was no surplus to talk about. I was at this stage a
farm manager on a fruit farm in the Hemel-En-Aarde Valley near Hermanus.
The realization that I needed to do something major to remedy our monetary

situation caused a lot of stress. I needed to create a surplus for investing in
property, but how? I spent sleepless nights thinking about it, got anxiety attacks,
not to mention mood swings. I had a full-on midlife crisis at age 38! Thank you,
Hannes.
In one of the lessons Hannes said that you must find out what keeps you poor
and then create a plan that will change your situation. What kept me poor was
working for a salary at a small company without any chance of a promotion. I had
been working my entire career on this farm – 15 years in all. I lived in a small
modest house, but with a stunning sea view over Hangklip and Betty’s Bay. The
farm is absolutely beautiful with lots of wildlife and natural fynbos vegetation. To
give this up needed careful consideration. But in my heart I knew I had to quit this
job in order to move forward. I now had 2 choices: quit and find a new job or quit
and start my own business. This in itself caused a lot of stress.
The last five years I have been studying and practicing biological farming or
sustainable farming, as it is sometimes known. I started using compost extract to
rehabilitate the soils of the farm. Compost extract is a water extraction of the
microbes present in compost and subsequently growing them in the solution by
adding certain foodstuffs and aerating the solution to keep it aerobic.
Conventional farming practices destroy the microbial life in the soil and as a
result pests and diseases run rampant, fertilizer utilization is very ineffective
(50% gets lost and end up in the ground water) and yields and quality suffer.
Compost extract is an inexpensive way to reintroduce beneficial microbes back
into the soil. I lowered my nitrogen applications by 70%, pests and diseases are
much less and my quality and production is much better than it was 5 years ago.
There are very few farmers in South Africa using compost extract and most of the
knowledge had to be sourced from America. Last year I decided to form a study
group where likeminded farmers could exchange knowledge and experience. At
the launch 47 farmers, researchers and technical people attended and during
that day it became clear to me that I am actually far more advanced in this area

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than any of the other farmers and that the research community was also lagging
behind in their studies.
Under my leadership the study group had grown to more than a 100 members by
the end of 2004. Having such a following made it possible to attract very good
speakers and the knowledge of the group was greatly enhanced. I have about
350 farmers on my mailing list at present. Sending notices and minutes of
meetings became laborious and I consequently started a website that has been
operational since July. The web link is http://www.sustainablefarm.co.za/ I
remembered what Hannes had said about the importance of a database and I
used the same company as he did to design our study group website. People
who want to access information can do so free of charge, but they have to
register.
Hannes also said that in order to be a successful entrepreneur you have to do 3

things:
1. Identify a need that people have.
2. Create a solution that they are willing to pay for.
3. Market and sell it to as many people as possible.
Here was clearly a need. Every farmer wants to lower his production costs and
increase his yield and profits. Biological farming practices can fulfill this need, but
most farmers are ignorant in this regard. They are so used to being brain washed
by fertilizer and chemical reps, that they find it unbelievable that microbes could
be the answer to their prayers. The educational institutions are no help either. I
studied for five years at university and they never mentioned the importance of
microbes – not even in soil science.
The solution is the reintroduction of microbes and the building of soil organic
matter. I decided to sell compost tea machines to enable farmers to multiply their
own microbes. Microbes multiplied by this method are not stable and need to be
applied within hours of production; otherwise I would have sold the finished
product in stead. I will also sell the compost and other ingredients that are
needed to prepare the extract. Persuasion through education is vital. Workshops
seem to be the answer.
In order to spread the message I needed a platform and the study group and the
website provided such a platform. The mailing list gives me an excellent
opportunity to market my product and services. I also decided to give lectures in
order to educate farmers in biological farming.
Ok, so this was the plan. Before I decided to quit I had to make very sure that my
assumptions about the market potential were correct. I decided to use my holiday
time to test the market and to test it in an area where I was relatively unknown. I
planned lectures in Oudtshoorn, Uniondale and Kirkwood. Not many people

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attended since most farmers were away on holiday, but I got orders for 3
machines. This was more than I had expected and a sign to go ahead.
I resigned on 9 July 2005, giving the owners a month and a half to find a
replacement. I can, without a doubt, recommend Aloe Ferox Muscle Gel for neck
pains associated with handing in a resignation after 15 years of service. I know
now that I made the right choice, especially after the lead handshake I received
on my departure. I left the farm on 31 August and have now been in business for
myself for a month. I started giving lectures while still employed on the farm
which meant orders and an adequate cash flow from day one on my own.
Farmers need to see before they believe. I decided to produce a film of my

successes on the farm. Luckily I had bought a digital video camera in the start of
the 2004/05 season. I used this footage and, with the help of a professional,
produced a stunning short film illustrating what can be achieved when your soil is
healthy. I also invested in an interesting DVD on how microbes interact with each
other. I use these as visual aids that often clinch the deal.
I have given 7 lectures to date to roughly 200 people, sold 11 machines with a
couple of orders still pending and am doing consulting on the side. An article
about me was published in the Landbou Weekblad of 27 May and I managed to
get on the front page of The Farmers Weekly of 23 September 2005.
This business venture is truly a class one experience:
It feels good,
Is good for me,
Is good for others,
Serves the greater good.
Can you imagine the satisfaction that arises when one helps a farmer to produce
his crop in an environmentally friendly manner while increasing his profits?
Consumers will benefit by eating a healthier product and the world will be a better
place because of it.
I always wondered what my destiny would be and what contribution I would make
to this earth. I think I have identified my task, albeit a massive one. Someone
once said that if you have a noble cause then the whole world will conspire to
help you succeed. I hope this is true in my case.
Thanks, again, Hannes!
Jako Pieterse
Monday, September 26, 2005 Jako Pieterse

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Dear Hannes,
I attended your Property Pro Course in 2003. I just finished my studies at the
University of Pretoria and obtained my BCom (Accounting Science) Honors
degree and CTA (certificate in theory of Accountancy – pre-requisite to become a
Charted Accountant). I started with my internship at PriceWaterhouseCoopers.
Like any young adult (after studying), with no practical experience, but a big
degree and big company behind your name – no one can tell you anything and I
was a little bit arrogant. The sun literally shined out of my behind. If you didn’t
study BCom (Accountancy) or aspired to become a CA, you shouldn’t even
waste your time with any other studies.
My first few months of internship were amazing. The practice taught me a lot and
I enjoyed it to go to a new company every 4 weeks and audit their financial
statements. I saw a lot of systems and controls. But … as you all know an intern
doesn’t earn much (you are basically cheap labor). So the euphoria of my first job
and excitement quickly disappeared, as I bargained that with my degree I would
make a lot of money. The opposite in real life happened … as an intern you work
your butt off and earn very little.
This is when I saw your advertisement in the middle of 2003 in Rapport. I

attended you free information session and were seriously impressed. This is
where I had to take a big decision in my life. Due to the fact that I haven’t worked
for a long time, I didn’t have a lot of money and time to acquire capital. As an
intern I earned R4600 per month before tax. I was too shy to ask for any discount
and used all my savings and a whole month’s salary to attend your one-day
property course and buy your property analysis software for R4200. On the
Thursday I took sick leave from work (we weren’t busy this week at work) to
attend your course. I had a hard time during that month, as now I had very little
cash (cash flow) too pay rent and eat (a person has to eat), but somehow I
coped. But the best thing was that I invested in myself and the Friday when I
returned to work I had this feeling of freedom and no matter what happens to me
and in the future, the information I obtained from the course can never be taken
away from me. When I spoke to the partners on that day, I had the feeling that for
once I know something you don’t know. I was free and they weren’t!
The course was truly life changing. An auditor is extremely conservative. Luckily
for me, that part of my training as an auditor, didn’t affect me at Hannes’ course
and I quickly accepted what he taught us. My eye patches were removed.
My reason for this introduction is to set the scene of what can be achieved with
little capital and with “applied knowledge” after the one-day course. Hopefully
does my story motivate everyone that anything is possible?

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To refresh your memory. At the age of 22, with a salary of R4600 p/m before tax,
I bought my first property in September 2003 (a 2 bedroom duplex with a garden
and lock up garage in Centurion). The best of it all was that I bought the property
for free.
I was also lucky enough to win Hannes’ Wealth Pro course through the feedback
I gave at the Property Pro course. Again I had the opportunity to invest in myself.
I would like to share my motto with everyone that probably made me win the
Wealth Pro course: “A candle’s life never shortens when lighting 1000 other
candles. Happiness never decreases when being shared.” This is my life motto
and whenever I feel down I just try to smile or make someone else smile. After
this I feel tons and tons better.
I was like a small child (small boy) after both of your courses. You became my
hero. You became my first financial hero who removed the curtains in front of my
eyes.
So here I am now. The first time I heard of your Mentor programme, I knew it
would be of high standards, quality and only the best information that would be
applicable in practice. That you already proved to me in your previous courses.
You also previously proved that you have a balanced life with integrity. So I
immediately joined your programme.
To continue, I bought my second property in Menlyn, 6 months after my first

property on exactly the same salary of R4600 p/m. I did this by starting a
business in the previous 6 months that generated a profit of R7000 p/m (almost
double what I was earning as an intern) and I created jobs for unemployed
people. This is the first time I experienced what you must be feeling after you
receive all your positive feedback, how you changed a person’s life. I sold the
business in February 2004 and made a profit of R40, 000. That immediately paid
my deposit and transfer fees for my second property and therefore the second
property were also for free.
To make a long story short, in July 2004 (in one month), I bought another 3
properties. So on the age of 23 I suddenly had a property portfolio of 5 good
properties in good areas with good capital growth and with bond payments and
rental income that broke even. This means that all five my properties were for
free and I don’t have to pay in 1 cent per month.
This good foundation of property and applied knowledge allowed me to start now
in 2005 with my first small property development.
All these successes I feel I achieved in my live, was by using Hannes’ first rule:
Invest in yourself. This is extremely important! In these 2 years I read plenty of
books and attended plenty courses that enriched me and let me grow as a
person. All this knowledge (excluding the cost of your courses) cost me over
R20, 000. For that R20, 000, I didn’t receive any degrees or diplomas, but do you
know what? The best of it all is that all of that knowledge is with me. It doesn’t

Page 164
matter what happens. If I’m insolvent in the future and loose everything, I do not
loose the knowledge and I would know how to get out of that situation. This
opens your eyes, especially if you come out of a Charted Accountant
environment and worked for PriceWaterhouseCoopers. You see a lot of high
qualified and high paid individuals that doesn’t really know what life is about AND
only live in their own rat race. The carrot of “qualification and lots of money” was
put in front of them and they are just the willing donkey that takes the easy road. I
will rather walk the whole way and take the high road, which I know won’t be
easy, but after you reach the top the scenery would be worth it and after that the
road gets easier.
My road wasn’t easy. It takes a lot of dedication, but it is also important to have
the right support base. My family supports me fully and my girlfriend of 4 years
also walks the whole route with me. Sorry, I’m lying. It’s not my girlfriend. I got
engaged in July and we’re getting married in April 2006! With such a foundation
the difficult times can come. I will overcome it.
Thank you Hannes for all your passion and commitment. Thanks that you’re
always there with your jokes and motivation. It helps a lot when you hit tough
days or especially when I get impatient.
I only wish the best for you, your wife and your children.
Warm Regards and Best Wishes
Philip Viviers
(Your new Mentorship family member)
PS: If you want to read more about my life story, remember the name Philip
Viviers and one day you’ll be able to read my autobiography.
Monday, September 26, 2005 Philip Viviers
Hannes identified an opportunity I was sitting on in February this year after I got
retrenched. I had been running my own property rentals from an Internet based
system that I developed.
Hannes prompted me to change this into a business venture. We started the

company called PrivateLetting that provides an Internet rental based system for
individuals who are interested to manage the rental property themselves.
Check it out on www.PrivateLessor.co.za. The company was started with no

money and was profitable within 10 days from “opening the doors”.
The business requires very little maintenance/time so the profit can mostly
considered passive income. After the first 4 months of operation we have made a
net profit of R26, 000.00.

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For most of this time we did not even market the service. In August we started to
do some marketing and achieved a turnaround of R28, 000.00.
The journey has been a learning and exciting experience for me, who before this
only had very little business experience. I have learned how you adapt initial
ideas and how one idea leads to another. The number of people you meet with
fresh new ideas on how to improve/expand what you are doing have been most
surprising to me.
Thanks Hannes, for opening my eyes to a whole new world and I can testify that
you can indeed start a profitable company with no (or very little) money.
Gideon Le Roux
Monday, September 26, 2005 Gideon Le Roux
Hallo Hannes,
Well, met die skrywe het ek `n week gelede aangesluit. Ek is `n sprekende

voorbeeld van iemand wat `n "goeie pos gehad het, met `n goeie inkomste
........... en 65 bereik het met die dodelike besef dat daar nie passiewe inkomste
vir ons is nie !" ( Sage se Agency Pens.Fonds - na 18 jr. diens het `n skamele R
540,000 kapitaal opgelewer ) Ek was `n korporatiewe "fool" my lewe lank.
Al wat ek kan wys is `n skuld - vrye balansstaat en `n paar honderd duisend wat
ek gespaar het ( geldmark ) en waarop ek natuurlik geen opbrengs het nie. Ek
het jou eerste eendag-kursus bygewoon .......... en niks verder gedoen nie ( ek
was te besig om goeie geld te verdien ) Na my 65 ste op 23 Feb. 2005 het ek
"gesoek / gewonder / nagte wakker gele - en niks gevind wat my sou verseker
dat ons toekomstig versorg sou wees nie ............. totdat ek gelees het van jou
mentor - program .......... en daar het `n lig vir my opgegaan ........... hoe, wat en
wanneer weet ek nog nie - maar ek weet ek het dit gevind wat my opgewonde
verseker dat ek vir ons baie vinnig `n passiewe inkomste gaan bou, asook wat ek
my energie op gaan spandeer vir die res van my lewe.
Ek en Lida is 43 jr. getroud, beste maats en vertrouelinge, 2 seuns en 2 dogters (

5 kleinkinders ) .......... ons oudste dogter Anette, was tot op ouderdom 18 by Pta.
Skool vir serebraal - gestremdes - en 14 jr. gelede `n tuiste gevind by "Connie
Mulder Sentrum vir volwasse verstandelik - gestremdes" Finansieel gaan dit
maar broekskeur daar ........... maar ek het 2 jr. gelede besluit om hulle te help
om selfversorgend te raak d.m.v. passiewe inkomste. Hulle reserwe grond van
10 hektaar is onbelas en ek het onderhandel om `n Aftree - oord te laat
ontwikkel. Na maande het die "ontwikkellaar nie to light gekom nie" - en ek het
weer van vooraf onderhandel met iemand .......... wat tot op datum - na 3 mnde.
ook maar verdag lyk. As hy nie gou begin "deliver" nie sal ek eenvoudig met die
volgende gaan onderhandel ! Nietemin, wat ek se is .......... ek het 2 "gesinne"

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waarvoor ek ge - commit is om goeie passiewe inkomste te verdien - en damn
gou ook ! Ek stel nie belang in Mauritius nie - maar wou jou net laat weet hoe
geweldig seker en dankbaar ek is dat ek die "regte ding" raakgeloop het en hoe
totaal ek ge - commit is ! .......... jy is gestuur !
Groetnis !
Johan Lubbe.
Monday, September 26, 2005 Johan Lubbe
Dear Hannes,
Congratulations on receiving your Doctorate and also a big thank you as I’m sure
this will add serious credibility to our amazing program!
At your seminar, evening of the 14th Sept 2005, a gentleman from the back
asked me rather sarcastically whether I was making money and I spontaneously
answered YES! Without having the opportunity to explain.
This is for you Sir!
We have 5 creditors that we’ve been paying off every month without fail for the
past 3 years. Quite frankly, it becomes such a bind and you dare not miss a
payment.
A month ago I made up a file for each respective institution and actually went
through the papers very carefully to find that there were some errors.
Theresa and I decided that we would approach each one personally .So we
picked a day and set out early and managed to cover all we set out to do .I must
tell you that we were well received and treated very well by all we came into
contact with .The result was that one debt of R18000 was totally written off while
the others were dramatically reduced and capped with no interest. So R135000
was reduced to R28000, a saving of R107000, all in a day of taking
responsibility. Thanks Hannes!
We were offered to purchase the salon where Theresa works! After Hearing the
offer and doing the calculations, we decided against it. Instead, we offered to
simply rent the space she was using rather than be an employee, income
increased by 60%!
I hope this answers your Question.
After Big pawpaw hit fan a few years back I had to make a plan in a hurry
.Looking for a job was the wrong thing to look for. A fellow on the roadside taught
me to refill motor car air cons and I could see this as my relief and it certainly

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seemed lucrative. One problem, no money to buy the equipment .Another plan .I
saw a fellow selling a product on the roadside once again .They were selling like
hot cakes .Having never seen these things before, I simply had to find out where
he got them .Needless to say, I did locate their origin and it took me all of a week
to move enough to enable me to purchase my aircon equipment. The first day I
set up my aircon stand-in my books, I made a very good living.
It took me almost a year to do the one day Property Pro Workshop and another 2
months after that to get on the mentoring Program .We had to set a goal for me
to achieve this .Up to that point I watched Hannes's DVD till it came out my ears,
simply because I loved hearing it over and over again, almost drove my family
nuts.
One of the things that came out of all this, I realised that I can’t be doing this for
ever, I need to increase my income. So after receiving formal training in the
aircon industry (For Free),I Recruited 4 young people and offered them 50%.I
have now taught them the business .I used what ever equipment I had and what I
didn’t have I made up. In this last week I set up the other 3 stands and hopefully
we’ll have a steaming summer.
We are currently talking to a leading petroleum company concerning an idea I

have in the aircon business, to my surprise, they’re keen to take it further.
Through the mentoring program, I was motivated to create passive income

streams. I am in the process of setting up my website through Radds, Which will
link my affiliation.
I also approached a short term insurance company who will give me commission
for every client I bring in .I am now in the process of marketing my aircon
business and on the flip side will be my internet businesses .I is very confident
that this will work for me and many others.
Property has always been a business I’d love to get into.
I know that Hannes is not pro speculating although he shows us how! I would
really love to flip a few to simply get a bit cash strong .I approached a person
who has the means to obtain a bond and I’ll do the work via Property
Investments website .I have to do this , besides , half a slice is better than no
slice at all at this stage.
Another Gent asked if it was variable to do the Property Pro workshop if one had
a tainted credit record.
My answer to that is you definitely must. Get with the program, it will motivate
you to take action and not miss out .Deal with your issues and get removed from
the credit bureau, sometimes we land up with bad credit ratings through no fault
of ours, however the responsibility still remains with us!

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My Biggest goal right now is to get my wife off her feet as a hair dresser. She has
been the absolute strength in our family and through Theresa ,I’ve been able to
run with these ideas .We have the most amazing two children in the world who
have really supported us and have also learnt what not to do in a real life
experiences .
With Hannes's program, we feel we’ve been given yet another chance in life.
Our story is certainly not meant to be self centered but rather an encouragement
to those people who believe there is no way out .Success is a mindset, I also
understand that you can’t be telling people of poverty stricken countries this ,
however , we can make a difference by making a deference in peoples lives one
at a time .
Quote! Robert Buisson of Primerica Financial Services (USA) was once asked in
an interview.
How did you build a huge organization? His Answer!
They asked Mother Teresa,"When you look at the worlds poor, isn’t it
overwhelming?" She said, "No, no, no."
She doesn’t try to solve the problem of the world’s poor. She works one-to-one:
She found a guy in the ditch and gave him something to drink.
Thanks again Hannes and to Tanja for making Hannes develop the mentoring
program.
Kind Regards
Clive & Theresa

Monday, September 26, 2005 Clive Wetherill
The will to win, the desire to succeed, the urge to reach your full
potential… these are the keys that will unlock the door to personal
excellence
Eddie Robinson.
The principles taught and reinforced in the course enabled me to pass on

valuable insights on to my 17 year old son. This enabled him to have a good
understanding of financial concepts at an early age. It was very satisfying to see

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him applying his learning’s and to buy his first property a year ago using his own
savings. I will consider it a major success if that helped to launch him on the road
to financial freedom
Monday, September 26, 2005 Nick Acker
Dear Hannes
I am writing to you from Karang Nymbor, Krui, Sumatra Island in Indonesia. I am

on a surf trip with my best friends, surfing the most perfect waves imaginable!
This is an update to my first success story. Personally, I feel that there is no ONE
success story! Success is an ongoing process. It never stops! Each day, each
hour, each minute and each second is given to us to use in order to reach
millions and millions of small successes. This process will never end in my life.
Something that stops growing dies!
For the first time in my whole life I am running a profitable business. In the past,
I’ve always been dependent on big once-off deals for my income. There were no
return business or rollover income. This was something that had been bothering
me for some time. The once-off deals were not helping me to reach my goal of
creating a concept to provide me with a passive income. With my passion being
business in the wine industry, I put much thought into developing a unique
concept that will fit into the accelerator system - …and then came “BLANK bottle”
Wines!
I visit exclusive wine estates, taste different barrel samples and identify blending
potential. My passion for people drives me to create unique blends of premium
quality wine from these barrels. I then sell these blends directly to the consumer
as a BLANK bottle. As the name implies, labeling is limited to the BLANK bottle
label and does not include the cultivars name, year or origin, adding to the
mystery behind your BLANK bottle. However, a unique feature of the concept is
that you can enter the batch number (printed on the neck of your bottle) on my
website, www.blankbottle.co.za, which gives you access to the unique story
behind your BLANK bottle (cultivar, origin of grapes, winemaking, ageing,
blending, notes from the winemaker etc.)
The fact that you can only buy BLANK bottle directly from me, shifts the financial
benefit from the wine agent or store to the consumer. This makes it possible for
my clients to bring quality wine to their dinner table (averaging between retail
value of R80 to R150), whenever they choose, as they are only paying R25 to
R35 per bottle. NOW, making it possible for all of us to appreciate and learn to
distinguish good wines.
All wine selected and blended for BLANK bottle is of supreme quality and has
aged in new French oak barrels, good for immediate consumption or ageing up
to 10 years. Even though each small batch of wine is different, quality is always

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my main focus as my clients well know. I have also developed a rating system for
my wines, enabling wine buyers to expect a consistent quality.
I run the business from my house and rent space in wineries. I have minimum
infrastructure and deliver door to door anywhere in the world. The business was
specifically developed to suite internet marketing. Therefore I have a simple, yet
effective business. I can handle a lot of business with minimum staff and work
from anywhere in the world!
Other than that I am attending seminars on trusts, studying an internet marketing

course and “BLANK bottle” is growing day by day.
In the past few months I started painting canvases as a hobby, which I’ve turned
into a profitable business too! My wife likes painting, and I bought her a BLANK
canvas for her birthday. It looked like a nice hobby and I subsequently bought
myself a canvas too. (Please bear in mind that I’ve never painted anything in my
life!).I hung it in the lounge, and my plan was to add something every now and
then when I get the urge! One night we had some friends over, and somehow I
ended up asking everyone to add whatever they thought the painting needed. It
took some convincing as everyone had excuses of not being an artist etc.
Eventually, a few hours later, the creative juices (and BLANK bottles!) were
flowing freely and all 8 did their bit. Nothing matched and it looked crazy to say
the least. The next day I told my wife I was going to sell the painting (she just
laughed, but not too loudly as she knows me well!). I took the painting to a friend
of mine who owns an interior shop. Seeing that the creativity was flowing out of
the BLANK bottles, we decided to market the painting as the official painting of
BLANK bottle Batch 3 – 43 ( My first batch of BLANK bottle). Well, it did
sell…….for R 3 000, 00! Needless to say, now every new batch I release has its
own original painting. I’ve decided to not sell it from now on, as it has more value
to me as a publicity tool in the long run!
I’ve also done my first half marathon. I don’t jog. But my wife challenged me and I
completed the Knysna Half Marathon in borrowed second hand running shoes,
without a day’s practice…… 10 minutes faster than my wife (which she is
obviously not too happy about as she practiced for a year!)
I present as many wine tasting as possible, in order to increase the amount of

people that believes in my product. My database will reach 200 entries before the
end of the week. I travel and love life more and more. I now belong to 2 business
study groups where we discuss business, hold each other accountable and
support one another.
Well the waves are perfect 6 to 8 foot in front of the surf camp and the water 29
degrees Celsius. I’ll be going for surf now. While I am here my first employee is
working back in South Africa. My second painting is almost done and I am
excited to get back to reality. I love my job, my life, my wife and above all God is
in control of everything I do. For the simple reason that he is the real owner of my

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company and my life and everything he gave me. “I have come that you may
have life, and have it to the full!”
Pieter Walser
Sunday, September 25, 2005 Pieter Walser
My story today is more about learning, mental shifts, changing habits and
GRATITUDE. The big successes will follow, soon.
Foundations and disciplines are two recurring themes being played to me at this
moment in my life journey. Without surplus income, it is almost impossible to
create wealth (Hannes’s ‘formula for riches’ highlighted this for me in a simple
and clearly manner). Surplus income can only come when strict financial
disciplines are in place – budgets, savings instead of spending, etc. One of Jim
Rohn’s quotes on wealth says; “the philosophy of the rich verse the poor is – the
rich invest their money and spend what’s left; the poor spend their money and
invest what’s left.” (Hannes’s ‘Mercedes principle’ has illustrated this principle in
a vivid way that it’s always on my mind!) These were not lessons that I wanted to
hear.
The mentoring programme inspires, informs and creates pressure on my thinking

to move from studying to gather more information to THINKING, PLANNING and
ACTION. This has resulted in the following small victorious steps: 1) setting my
six-month, three years and life goals; 2) making a decision not to return to the
security of an income restricting career choice, but to pursue with urgency, total
belief, commitment and enthusiasm my life-mission and strive towards my vision;
3) to budget, plan and follow all the necessary disciplines to start generating the
surplus income to invest in capital creation so that I will be able to buy my first
property according to my LIFE BLUEPRINT. Faith, hope hard-work and total
commitment. 4) Improving the key relationships in my life by working on myself
first and live the truth that for things to improve, I have to improve; for things to
change I have to change.
My story pails in comparison to the many amazing success stories others have
shared on this web site. Foundations and disciplines first! To end off with another
quote from Jim Rohn; “We must all suffer from one of two pains; the pain of
discipline or the pain of regret. The difference is discipline weighs ounces while
regret weighs tons.” Thank you Lance Woolley for so enthusiastically telling me
about Hannes, and your successes those many months ago. It began this
challenging phase of the journey. Thank you Hannes for your knowledge,
successes, passion, honesty and frankness. It is providing the road/life map for
the journey. Thank you to all of you who have shared your informative and
inspirational stories. They provide the fuel for the journey!
Sunday, September 25, 2005 Andrew Dumbris

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We all need wealth creation hero’s... Warren buffet, Donald trump, Robert T
Kiyosaki’s, Bill Gates etc... YOU are on top of my list!!!
I have lied to myself so many times. Thinking myself into one deep hole, and
then taking no action. Thinking of what I should ask, will my actions offend
people, what if I lose something? Simply put that most of the time fear leads me
to "INACTION" i.e. not taking action! Well from now on I am taking action. Before
this letter I would never write something like this to you. But I have had enough of
being afraid of asking questions about things I don’t understand (in general).
FROM NOW ON I AM A LEARNING, QUESTION ASKING, BLOOD SUCKING
ANIMAL, READY FOR ANYTHING. I refuse to hold back anything. If you don’t
like me fine, I DONT CARE, but I am going to keep on trying until I am RICH!!!
And it doesn’t end there, it’s a continuous lifestyle ("The day we eventually get
there is when we are dead"). Don’t ask me why I am writing this... I am Sick of
being Broke, I am sick of not being able to do what I want when I want, I am sick
of peoples negative. Especially here in the Royal Marines. (Ek is Afrikaans, 20
jaar oud. Het in 2004 England toe gekom). There is only one thing that has
robbed me from being rich, and that is people and their tiny mindsets and the
devil!!! From now on I will let no one and nothing rob me form any riches that I
am supposed to have... now I can almost hear people say "Oh, but you can’t say
that", "You are just being greedy" or the most famous one is "You can’t do that".
Dit maak my DE HEL IN!!! I am taking responsibility for my actions and I won’t be
trampled on anymore. This is my time. I don’t care who you are If you don’t like
me then go sit in a toilet and keep on working for the rest of your life.
I never thought of writing this letter, It just happened. I just started writing out of
my ANGER and PASSION. Anger because of barriers keeping me from riches
and passion of wanting to be rich. From now on I will demolish those barriers,
NOTHING WILL STAND IN MY WAY!
PS God wants all His children to be RICH!!! If you disagree with that statement...
then your father is the devil!!!
PPS would not have come to SA in April if it wasn’t for your seminar. It meant a
lot to me. Thanks.
Saturday, September 24, 2005 Dian Joubert
Liewe Hannes
Wel ek is nou nie een vir woorde nie, maar met al die sukses stories van wat
hulle van jou se en waardes wat toegevoeg word tot elkeen se lewe kan ek
sekondeer.

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Ek het al vier keer probeer om my eie besigheid oop te maak en elke keer was
dit soos jy noem in jou mentors kursus "die bank will alles he as sekuriteit" en ek
was te bang om daardie risiko te neem.
Dus het ek my aandag aan eiendom begin toespits. Ek het geweet met eiendom
kan ek nie verkeerd gaan nie. Soos die boek Rich Dad Poor Dad se dat jy jouself
met positiewe en suksesvolle mense moet meng het ek gedoen en so vrae
gevra.
Ek het toe "aksie" geneem en eiendom begin koop (met my konserwatiewe

maniere van sommietjies gedoen en my oe toegeknyp)
So far so good!! Maar weet jy, ek sien soveel meer uit na om nog eiendom te
koop en besighede te begin - nou het ek `n wen resep!! - Hannes Dreyer
(grappie!!)
Ek het jou seminaar bygewoon en kan nou met al jou ondervinding en seminare
en seeninge van bo finansieel wel af wees (aftrede - dit was `n groot
bekommernis aangesien polissie nie die weg vandag is nie.) Ek kan hierdie wen
resep oordra aan my kinders en weet hulle sal ook vir hul families goed kan sorg.
Baie dankie Hannes. Ek weet die Here seen jou ook - want jy gee sodat ander
geseend kan wees!!
Tanya
Friday, September 23, 2005 Tanya Jansen van Vuren
Beste Hannes en die span
Ek wil begin deur te sê, Hannes dankie dat jy so ‘n onbaatsugtige persoon is en

bereid is om jou kennis met ander te deel. Anders sou dit nie vir my, en baie
ander mense moontlik gewees het om die pad te vind na finansiële vryheid nie.
Ek het egter nog nie by my eind bestemming aangekom wat finansiële vryheid
aanbetref nie, maar ek is sterk oppad, danksy jou “Property Pro” en
daaropvolgende kursusse.
My verhaal is miskien nie so indrukwekkend soos van die ander sukses stories
wat ek al gelees het nie, maar dit gee my baie satisfaksie en daarom deel ek dit
graag met julle.
Ek het reeds twee meenthuise besit toe ek in 2004 die “Property Pro” kursus
bygewoon het. Op daardie stadium het ek gedink dat dit ‘n paar jaar sou duur

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voordat ek nog ‘n eiendom sou kon bekostig. Groot was my vreugde om uit te
vind dat daar ‘n paar metodes was om nog eiendomme te kon bekostig.
Ek het dadelik aan die werk gespring en was nog nooit van tevore so
gemotiveerd om die regte eiendomme te bekom nie(met die klem op regte
eiendom), want ek het geleer dat een regte eiendom meer werd is as vyf
gemiddelde eiendomme.
Die eerste van Hannes se sewe wette van eiendoms beleggings sê: “Belê in
jouself, voordat jy in eiendom belê”,en dit was die enigste van die wette wat ek
geken het voordat ek die “Property Pro” kursus bygewoon het. Die res van die
wette het ek op die kursus geleer en dit was grootendeels verantwoordelik vir die
sukses wat daarna gevolg het.
My derde eiendom wat ek gekoop het was ook ‘n meenthuis. Ek het ‘n

gemotiveerde verkoper opgespoor wat dringend van die eiendom ontslae moes
raak omdat sy werk hom oorsee verplaas het. Dit het ‘n goeie platvorm
daargestel vir ‘n uitstekende transaksie.
Ek het van die onderhandelings tegnieke wat Hannes my geleer gebruik gemaak
om ook ‘n goeie transaksie met die bank te beding vir ‘n billike rentekoers en ‘n
100% verband wat kostes ingesluit het.
Verder het ek my meenthuis uitverhuur, nadat ek die nodige kredietklarings en

verwysings op die huur aansoekers nagegaan het. Ek het my huur inkomste en
behoud van die gebou verder verseker deur van Hannes se voorgestelde
huurkontrakte gebruik te maak. Tot vandag het ek nog dieslfde huurder en
sonder enige probleme.
‘n Vierde en vyfde eiendom het kort daarna gevolg, op dieslefde beginsels en

metodes as eiendom nommer drie, behalwe dat die banke nie meer 100%
lenings wat kostes insluit wou toestaan nie. Maar dit was ‘n geringe probleem
aangesien ek van herfinansiering gebruik gemaak het. Ek het die maksimum
bedrag op my eerste eiendom geleen deur middel van ‘n tweede verband wat ek
oor die eiendom gerigestreer het.
Die bedrag was groot genoeg om nie alleen net die kostes van eiendomme vier
en vyf te betaal nie, maar ook die tekorte tussen die huur inkomste en paaiement
en heffing betalings te finansier. Die eerste eiendom het nou al reeds inkomste
ingebring, aangesien die die inkomste die betalings oorskry het, voordat die
tweede verband gerigestreer is.
Alhoewel ek weet dat al vyf my eiendomme baie goeie belegging is, was ek nie
tevrede met die stand van sake nie, aangesien al vyf eiendomme ‘n klein
inkomste voortgebring het of ek moes ‘n tekort inbetaal. Ek het nog steeds na ‘n
belegging gesoek wat vir my ‘n substansiële maandelikse inkomste kon gee.
Maande het verby gegaan en ek het na baie eiendomme gekyk, voordat ek op ‘n
woostelblok afgekom het met 21 eenhede. Die vorige eienaar was te besig met

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ander sake, met die gevolg dat hy die gebou baie afgskeep het, en op daardie
stadium was net vier van die een-en-twintig eenhede uit-verhuur. Weereens was
die vorige eienaar ‘n gemotiveerde verkoper en het ek ‘n baie goeie transaksie
beklink. My vyf eiendomme wat nou al baie in kapitaal gegroei het, het ‘n baie
mooi prentjie op my balaansstaat geskets, wat dan ook die deurslag gegee het
dat ABSA Bank my met 48% van die koopprys of R800,000 teen prima rente
koers gefinansier het. Die res van die koopprys word deur die vorige eienaar
gefinansier teen ‘n vaste 6% rente oor ‘n periode van sewe jaar. Ek neem voor
einde September 2005 okkupasie van die gebou en met goeie onderhandlinge
het ek die vorige eienaar oorreed om ‘n bestuursagent aan te stel, wat intussen
die gebou heeltemal uitverhuur het. My begrote netto inkomste nadat ek ook die
paaiement betaal het gaan +/- R10,000 per maand beloop. Dit was my grootste
sukses tot op hede. Ek wil egter ook my dank betuig teenoor twee persoon wat
my van inligting voorsien het rakende woonstelblokke, wat vir my van onskatbare
waarde was. Baie dankie Jimmy en Lynne Oosthuizen.
Hannes weereens baie dankie aan jou. Die inligting wat ek gekry het op jou
kursusse is ongelooflik goed en ek dink ek is ‘n voorbeeld daarvan dat dit werk.
Groete
Frikkie Pretorius
Friday, September 23, 2005 Frikkie Pretorius
My Success Story
My story started 2 years ago when I was made redundant by an IT Company. As

I was in my fifties, I suppose it can be summed up in the phrase "Too old and too
expensive".
At that time, I was not experienced in using my intuition, but the little voice inside
did speak to me, and immediately the following were "obvious":
* I was now on my own and therefore responsible myself.
* Age makes no difference. So what! Especially if I have energy, ideas and

enthusiasm.
* As the circumstances had changed, I would have to change my

habits/discipline. The next morning after being retrenched, I went to the gym and
have kept it up as a habit twice or three times a week ever since then. As I see it,
it’s not so much about the gym but about being disciplined and doing things
differently.

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* As I was in my fifties it was "obvious" that going to an Employment agency was
not the route to follow. They just filter you out!
* The little voice inside also said: Do something I am good at; don’t do something
I know nothing about. And that is what I have done. I have a niche in the
Petroleum Industry and do specialised software for the Oil companies and their
service stations.
About 18 months ago I attended a John Kehoe "Mind Power" course given by
Robin Banks. That was the start of the realisation that all the answers are
"within", and that achieving goals has a lot to do with visualization and the power
within.
It was also the start of my discovery of self-education (rather than waiting for a
company!). Since then I have read some 20 books - John Kehoe, Robert
Kiyosaki, Suzie Orman, Zander & Zander, Bob Burford, Anthony Robbins, Jim
Dornan, Napoleon Hill, Michael Gerber, Dolf de Roos, Susan Jeffers. Many of the
same points are made by the different authors, but from a different angle. This
helps to reinforce the lessons that they teach.
I have also attended a Sales Course, and your one-day Property Workshop, and
am currently doing your Mentoring Course.
My discovery of self-education has lead to setting aside Study/Reading time each

day as well as time to visualize goals. This is time for myself! During this time my
cell phone is off. My associates now also realise that my phone is off early in the
morning! As I now work from home and don’t have to "Go to work", I have the joy
of being on my own rather than dependant on a company. Often it’s scary, but at
the same time I’m in charge.
Through the lessons of self-education I have come to realise that I can’t change
the world but I can change myself. A simple example is the following: The gym
has music in every corner that you can’t get away from. I prefer to have my
thoughts to myself and so I tried asking the gym lower the volume, which they
did. Well of course next time the volume was back again. Suddenly a brainwave!
Earplugs solved the problem. I changed, and am better off for it. Stupid, how
simple solutions can be!
As a result of the self-education, I have learnt about relying on my intuition. This

was something I never did before. Now I find that answers to me come during the
night.
As a success story I haven’t made the big financial one yet. But I have
discovered more importantly that the answer is within me. The Big one will come.
Regards
Gerrard Boulle

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Thursday, September 22, 2005 Gerrard Boulle
Hi Hannes, quite a privilege to share with you my story. It started when I lost my
parents both in the same year and the mother of my first child. I was deeply
affected by what was happening around me and tended to withdraw from society.
Everybody I knew heard about the divorce and I was 27 at the time and that is
too early to be messing up by my standard.
I had a lot of choices to make and decisions to take that will affect the rest of my
life and how it turned out. I did not accept any sympathy from anyone. I started
investing in books on personal development like Rich Dad Poor Dad, The 7
Habits of highly Effective People to mention a few. They all pointed to my attitude
and belief system, that I had to look at life from another perspective. Kiyosaki
taught me the strategies of wealth and Covey the keys to effectiveness.
Before then, I had bought a property in the Western Cape, where I work, for R70
000 from a lady I now know was a motivated seller. It was a sectional title flat and
the lady had to leave to get to Joburg, where a new job waited for her. After the
divorce I nearly became a motivated seller myself, trying to sell it for R100
000.Luckily the buyer could not raise enough money. By that time I had not met
you and probably never would due to the kind of associations I had in the form of
friends and relatives and the kinds of things we would do more often.
The problem was that during the attempt to sell the property, the buyer took
occupation of the flat and paid me occupational rent. He actually had his tenant
live in the flat and I couldn’t care less as long as I got the rent. When the deal did
not go through, I had one big problem. The tenant started giving my agent
problems with payment and I made a big mistake. I met with the tenant
personally and he told me his sad stories and how the agents were making his
life difficult and I fell for it. I fired the agent and agreed with him to collect the rent
myself through my account.
To cut a long story short, he gave me serious problems, so big that I had to
threaten him with legal action and change the locks while he was out. Finally, he
got the message and left. At that time I felt like just giving up and selling. This
was in 2004.In December of the same year I got a tenant who was also my friend
renting the place for six months. When he left I decided to sell the property for
R220 000 since I had bought another one in which I now live.
I then used the money to pay off my bad debts and also finally decided to commit
to doing your workshop. This totally changed my life. As we speak I know what I
will never do that I was so happy to do in the past. I also know and cherish the
value of life, thanks to you Hannes. The financial strategies you teach are out of
this world. With that knowledge, I am going to make the best living experience of
my life. I am now on Week 2 of the Mentoring course and have started my new

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business through your guidance. You are a very unique individual and I thank
you from the bottom of my heart. Keep doing what you are doing. A Matsapola
Thursday, September 22, 2005 Daniel Matsapola
Walk by faith:
In 1996 Paul and I got married after knowing each other for only 18 days. We
were on a challenging trip through Africa on our way to Zaire, and tied the knot in
Tanzania. Little did I know that a greater adventure that a trip though Africa was
awaiting us! Soon after our marriage we moved into Hillbrow where Paul worked
as a missionary. What as shock it was for me to move from lovely Stellenbosch
into Hillbrow where violence and fear ruled every waking hour! Having lost all our
money on our African trip due to unforeseen mishaps, and with little financial
income as missionaries, it made the Hillbrow experience even more challenging.
After a year we move to Stellenboch in an effort to regain my sense of sanity. In
Stellenbosch things did not go much better, as neither Paul nor I could find a full-
time job for a little more than a year. We did piece work and exercised all options
to legally and honestly make a living. We could barely survive, and had to sell off
all the little possessions, such as clothes and furniture, we still had left.
By May 1999 Paul and I returned to Gauteng with everything we owned fitting
into our Opel Kadette. I received a contract for work at De Beers, and Paul
returned to mission work in Hillbrow. After this long financial drought and
difficulty, we were able to gather and save finances from our work, and bought a
piece of ground in Pringle Bay for R70k. The land is now valued above R600k! In
2000 we bought a flat for ourselves to live in, and in the following year we bought
two townhouses. Around that time we came across Hannes Dreyer, and started
to learn the fundamentals of what we were doing. Unknowingly we were put on a
path to wealth creation, and today we have sixteen properties with an income to
enable Paul and myself to be financially free upon retirement. We are now
working towards an early retirement, and apply the principles that we have learnt
from Hannes, mixed with faith.
During these last years we learnt that the way we think is the one thing that
needs to be constantly challenged. One’s attitude is a choice, and we need not
limit ourselves with negative thought patterns. We had to learn to take
responsibility for our situation that we were in, and we had to apply faith and use
even the most basic of resources to start the change in our circumstances.
I can ascribe three main reasons for the remarkable change that took place:
Firstly, it is the grace of God working in our lives; secondly, we were willing (and
desperate) enough to invest in our own learning in order to improve our situation;
and thirdly, we were fortunate to meet Hannes as a mentor.

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I believe the adventure is not yet finished, and am confident be able to tell
another story or two in time to come!
Blessings!
Susan Nel
Wednesday, September 21, 2005 Susan Nel
To succeed it is necessary to accept the world as it is and to rise

above it
Michael Korda.
Beste Hannes
Voor ek my gedagtes op papier vaslê, wil ek jou en jou span bedank vir al die
informasie wat so getrou deurkom na my. Ja, beslis het julle `n verandering in my
lewe gebring. Ek gaan van hierdie ervarings met jou deel, as deel van my
suksesse wat ek op sekere terreine behaal het.
Sukses kan natuurlik op baie terreine van ons persoonlike lewe gemeet word
asook dié in die korporatiewe veld.( materiele dinge)
Steven Covey skryf "Success is the ability to adapt in a rapid changing world"
Ek het in Januarie 2005 `n advertensie in die Burger van jou gelees oor die
"Mentor " program. Op daardie staduim was ek soekend na al die moontlikhede
van eiendomsbeleggings. ( het die boek "Rich Dad Poor Dad" afgestof en was
besig om dit te bestudeer). My kennis was egter baie beperk op die gebied, en
het ek geweet dat ek tyd en geld in myself moes belê om my op hoogte te bring
van hoe om suksesvol die eiendomsmark te betree.
Ek het ingeteken op jou " Mentor " kusus en spoedig het ek uitgevind waar daar
tekortkomings in my benadering tot die sakewêreld was.( ek werk al 22 jaar vir
myself). Gaande weg soos ek weekliks jou lesse ontvang het, het ek meer en
meer gegroei en besef dat daar sekere aanpassings in my optrede en denke
moes kom.
1. Eerstens moes ek met myself die saak uitmaak waar ek staan t.o.v my
verhouding met Marieta(my eggenote)en familie( Thinus 20jaar en Vivienne
18jaar). Deur die lesse uit jou Mentor kursus kon ek dit doen en het ons
verhouding met mekaar sommer 100% verbeter. Dankie dat jy my kon lei deur
die self ondersoek. Persoonlik was dit vir my `n groot oorwinning en `n groot
sukses verhaal.

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2. Tweedens het ek die les oor doelwitstellings my eie gemaak en kan ek met
trots berig dat ek nou byna daagliks daarna kyk en bepaal hoe haalbaar dit is. Ek
skaaf nog baie daaraan maar is meer doelgerig. Wat die sukses egter was, was
dat my kontant vloei sodanig verbeter het, dat ek beplan om in die eerste
kwartaal van 2006 betrokke te raak in die eiendomsmark. Met die kennis en
mentorskap van jou en jou span sal dit moontlik wees. Ek het ook jou "Property
school" werkswinkel in die Kaap bygewoon. Die CD was en is `n totale wennner.
Dit het my gehelp om nie sommer blindelings in transaksies betrokke te raak nie
maar die potensiele groei goed te bestudeer.
Ek wil afsluit deur die volgende met jou te deel. My grootste sukses (as gevolg
van jou Mentor kursus) was toe Thinus, my seun, in `n brief my bedank het dat
ek ook vir hom `n mentor is.
Dankie vir jou harde werk
Groete Martin
Wednesday, September 21, 2005 Martin Jansen Van Rensburg
The impact of Hannes Dreyer on the lives of Marius and Leon Steenkamp.
Both our wives in the same time frame bought us Robert Kiyosaki’s book "Rich
Dad Poor Dad". We both read the book and after discussion decided that we
need to further our knowledge by going on a local course to get the South African
perspective on the property market.
We were very lucky that with our first try we went to one of Hannes’s 1 hour
introduction courses. His enthusiasm and knowledge so impressed us that we
immediately booked ourselves for his full one day course (We also convinced my
brother in law to join us on the course). This proofed to be a life changing
experience. The one thing we took out of this was to start with the first law, being
investing in yourself.
We travel to and from work together on a daily basis. This means we are on the
road for two hours a day. We started to use this time to read self enrichment
books. Leon drives and I read and with this we turned dead time into some of the
most productive hours of our day.
We also use this time for positive talk and through this we have decided to sell
our cars and buy cars that we can afford for cash. The money that we’ve spent
previously on cars we are now saving in our business account. This money is
used to further apply the first rule (first invest in yourself), by booking ourselves
on courses (financial management, time management, Hannes’s advanced and
trust course) and also subscribing to things like Hannes’s
www.propertyinvestments.co.za website.

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We also subscribed to Hannes’s mentor program and use our time in the car to
keep up to date with the program. This program also keeps us on a motivational
high. We are now at the point where we are going to open a business trust to buy
our first house using Hannes’s www.propertyinvestments.co.za website.
I am a share holder in a computer programming company called MNR Solutions

(Pty) Ltd. (www.mnr.co.za) Both Leon and I works full time for this company at
the moment and we can already see the benefits that the mentor program has on
our company. Any good ideas that we identify with the mentor program we try
and implement in the company with surprising results.
The one thing we have committed ourselves to is to try and attend all Hannes’s
workshops. These workshops we see as the best motivational courses that we
have ever attended and it keeps us on the narrow path.
Wednesday, September 21, 2005 Leon Steenkamp
Hello Hannes
Na vandag se les voel ek eindelik baie skuldig dat ek nog nie dankie gesê het vir
die wonderlike voorreg om iemand soos jy te kon ontmoet het nie.
Vir die wysheid en insig wat jy so onbeperk, met almal wat wil leer, deel.
Jou “beskeie” voorkoms laat mens definitief tuis voel en die tyd wat jy afstaan
aan ander mense se welstand is ongepaard.
Ek het al klaar fantastiese finansieële voordeel uit die kennis wat ek a.g.v jou
opgedoen het, bewerk.
Ek het voor ons ontmoeting al reeds twee huur eiendome besit, hulle sou eers na
vier jaar "cash flow positive" gewees het. Met die nuwe toegepaste kennis sal
hulle oor twee maande positief wees.
Selfs op n persoonlike vlak, in my huwelik en my werk het ek gegroei en sal ek

nog vir lank groei. Net omdat ek nou vir myself die regte vrae vra, en die dinge
wat nie opbouend is nie, raak sien en uitwerk.
BAIE BAIE DANKIE
That letter was written three months ago. Today I can honestly say that I have
grown substantially since then, because of what I have learned and more
importantly of what I have applied.
- Personal level

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I am a lot less stressed and frustrated (can’t remember the last time I had a
headache) I have lost some weight (7kg) and generally feel more alive. I think it
is because I gave my live meaning, a goal, there is a light burning in the tunnel
and I like what I see!
- My Marriage
There was never any bad times but it seem as if we have fallen in love all over
again, almost like teenagers. What an amazing feeling!
- My son
He turned 7 in August and I am very proud of him. I make a point of it to spend
quality time with him every day. The fruit that it bears is very rewarding, to such
an extend, that I am unable to describe it, but I am sure that ever parent that love
there child this way, knows.
- My work
Because of the fact that I made the decision, that I will make an effort to be pro-
active, I started to enjoy my work again. I greet all the operators in the factory by
hand every day and work with a smile; this is making an impression on every one
and makes the place more bearable to work in. I have even started to whistle
again.
- Passive income
Like I said in my first letter, I am now cash flow positive on my current properties.
I have educated myself to do better every time and have started looking for that
motivated seller to provide me with my next property.
I have started a business or rather other sources of income.

The web site name was registered today www.tmark.co.za and will be up and
running hopefully by the end of October.
I am one of Hannes’s affiliates that bought the right to distribute the BOSS
program.
It entails the Boss program and a description on how the agent, or who ever
wants to use it, can go about to do so.
The manufacturing of CD Business cards is also added to the opportunity. In my

negotiations with the biggest manufacturer of Discs in South Africa, I have
managed to negotiate a commission on all the products that is manufactured
because of the advertisement, through links that is tracked all the way to the
placement of an order.
To take my brainstorm a step further I have also given the user the option to
place their own information on a CD business card or normal disc if they feel that
the option of the Boss program does not fit their purpose. This however requires
some design and special skills, so the web designers were approached with an

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offer that made sense to them and me. Off course a commission structure and a
serious discount on my site development was generated.
The opportunity’s and possibilities seems to be endless once you start with an
idée and have the will power to drive it. Let’s see where this can take us.
Thank you, Hannes. Without your mentoring none of this would have been
achieved.
TERTIUS GOUWS
Tuesday, September 20, 2005 Tertius Gouws
Dear Hannes,
Let me use the opportunity to thank you and your great team for this incredible
project. The value I got from attending your Property Pro lessons has already
paid back within a couple of months when I bought my second property.
Currently from reading and thinking through this course so far the same effect. I
agree, invest in yourself first. It is all about your thinking. I will probably if all goes
as planned have an internet based business up a running by mid Oct `05.
And you know what the most brilliant thing about it is? It is a RISK Free
business!!! Thank you again for making me ponder about how to manage it.
Doesn’t it feel great to know that whatever happens or does not happens, nothing
can be lost, but only gained and whatever I learn from this venture helps me to
put to use with the next one.
I have made a conscious decision to become an entrepreneur, with a dream, a

team and a theme!
Thanks again,
William Grimes
Tuesday, September 20, 2005 William Grimes
Scenario planning
Successful businesses all do scenario planning to ensure their future and so

should you.

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During the early 90s with all the changes in South Africa I decided to take stock
of our financial situation and created a basic financial plan for our family. Back
then the goals (which we called dreams) were small and simple. Since the first
dream to be truly debt free to dreams of a passive income and our current dream
of financial freedom we have been working our plan for more than 10 years now.
But then at the beginning of 2005 disaster struck as I was dismissed by my
employer. [You can read more about my dismissal case at:
http://www.finance24.com/articles/companies/display_article.asp?ArticleID=1518-
24_1757735]
During that past 9 months I learned that getting dismissed puts you in a very
awkward position. Banks get very nervous about you when you cannot produce a
salary slip and funding to start a business will be very difficult to come by. The
story about my dismissal quickly spread throughout the industry in which I
worked (Information Technology) severely limiting employment opportunities.
Despite the fact that I had received various exceeded performance ratings during
my professional career I was left stranded and our household lost 66% of its
salary income.
Could we survive on 33% of our salary income and even more important could
we survive this trauma physically, emotionally and spiritually. We planned for
early retirement but our plans over the past 10 years never considered the
possibility of the situation we were facing. After all, I was a hard working, very
loyal employee that was at the top of my section and as with most every facet of
my life I was in control, or so I believed. More information on how we survived
financially is available at
http://www.hannesdreyer.co.za/MemberLanding.asp?MemberId=540
I met Hannes in 2002 and have found Hannes’ teachings and mentoring of
immense value. Armed with knowledge built up over the past 4 years I knew
what I had to do and this was NOT to look for another job. In partnership with
Hannes I started a rental management system company based upon the system
that I have developed for my own properties. I could turn my knowledge of rental
management into a profit making business within two weeks from “opening the
doors”. The business can be found at http://www.privatelessor.co.za. Read more
about how we started this business with no money in Week 22 of Hannes
Dreyer’s Mentoring course at
http://www.hannesdreyer.co.za/MemberLanding.asp?MemberId=540.
My greatest challenge during this time was not financially (I collected my dream
car in the same month I got fired) although this might be a big enough challenge
for many people. Take a look at the impact on your budget if you were to loose
your job and not receive a salary income for 6 months. Can you survive? The
emotional side was most challenging for me. Starting a new business helped me
to focus and it restored my feeling of self-worth.
When disaster strikes you will need all the help and support you can get to get
back on your feet. I learned that it is the responsibility of every person not only to

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plan for things like death and disabilities but also for the day you loose your
job/salary income and remember there is no such thing as job security anymore,
even for top performers. I discovered the value of a supportive wife, family,
friends and many Christians who carried me during this time. This made me
realise how important it is to invest in every aspect of your life. Make an effort to
build and grow the relationships with your family, friends and your community.
Study and prepare yourself all the time to become an entrepreneur while you still
can do it and have the safety net of a job and a stable income. I think there are a
lot you can do and learn (test and try out) before you lose or quit your job. The
effort you put into these will return many fold.
I have spent time and money with Hannes over the past 3 years but this was my
best investment ever. The returns of this investment cannot be measured in
financial terms only as it has touched every facet of my family’s lives. I simply do
not know of any better person to be your entrepreneurial partner and mentor than
Hannes Dreyer.
Gideon Le Roux
Monday, September 19, 2005 Gideon Le Roux
The measure of success is not whether you have a tough problem to

deal with, but whether it’s the same problem you had last year
John Foster Dulles.
Dear Hannes
I am 35 years old, very happily married to a wonderful woman. We have three

sons, a three year old, a one year old and a third due within the next six weeks. I
am a partner in three businesses that do a turnover of about R30 million per
annum and employ approximately 70 people. I also own a few properties that I
rent out, and whilst I don’t consider myself very wealthy (yet), I enjoy a
comfortable lifestyle.
From what I have described, it would appear that I lead a fairly successful life by
most people’s standards, but my real success Hannes, is that I have attended
your seminars and I am on your mentoring course. What you have shared with
us and what I am learning has altered my life irrevocably. I have been living in a
comfort zone (a MAJOR comfort zone) and have come to the realization that,
whilst I may be the owner of these businesses, they have actually been
leaderless for a long time. I have definitely been an owner who has been working
IN my business and not ON it!
Thank you for snapping me out of this fantasy and back into reality. Everything
you are teaching us, I am directly and indirectly sharing and teaching to my

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employees and family. I am amazed at the creative talents and energy that a few
of the truths that you share with us, can unleash.(On a recent trip to the coast ,
my wife was sharing a few tips with me on how she would structure various
properties that we looked at, so that we could buy them for free! MY WIFE,
driving around looking at properties… and on holiday nogal!).
Hannes, you not only share the truth, but, as is apparent from many of the
success story letters, you also instill in us the ability and belief that we CAN
achieve our dreams and goals.
I have already begun various projects aimed at empowering some of my

employees. The one specific project will generate a positive cash flow from
month one and easily pays for itself within three months. It will, of course,
generate a passive income for myself as well as my employee and create a job
opportunity for at least two other people. There are already plans to employ your
wisdom and to, within the right structure, purchase property to offset some of the
profit and to literally explode the growth of the business.
I have also been amazed at the opportunities that strategic alliances present and
how the strengths of the persons involved can be leveraged and utilized and
have come to realize that the statement that you make on the seminar, that “it is
easy to make money”, is actually very true. The difficult part, initially, is to
develop your out-of –the-box thinking!
I am blessed in that I know what my God-given destiny in life is. You however,
have provided the fuel that has propelled me toward that destiny. By “forcing” me
to take responsibility for my life and future, you have initiated “kaizen” within me –
I am not yet where I want to be, but praise God I am not where I was yesterday!
Hannes, the techniques that you are teaching us are not new, but the manner, in
which you share them in the mentoring course, make them very logical, practical
and attainable.
I have found new energy and enthusiasm for my destiny as well as life in general.
I believe it is because I feel more in CONTROL, as you have empowered me to
begin plotting a specific roadmap toward my future, which has certainly become
more clear and defined. The bulk of this letter was written in the early hours of
the morning because I too, cherish my precious family time. Also, as a major part
of my day is taken up (at this stage) by my businesses, I have made a conscious
decision to “accept some pain” and to get up at 4:00 AM every day, to spend
much needed time with my Creator and to process and study your material …
okay! Okay! I set my alarm for 4:00 AM, but the actual time that I get up might
vary between 4:00AM and 4:45 AM. I’ll get there. VIVA KAIZEN!! VIVA!
I sat thinking about what you are teaching us, why the information is so powerful
and why you have such a great influence on me, and came to the conclusion that
the credibility for me lies in the example that you set in your life: I see you
honouring your Creator, not only in the time that you spend with Him and in your
financial giving (to Him and to others), but you honour Him in acknowledging that
it is because of His grace and favour, that you have achieved what you have. I

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also believe that your infectious energy and enthusiasm for life, is a wonderful
example of the kind of abundant life that God desires for us to live.
I see too, that you acknowledge your wife and the role that she plays in your
relationship. You may joke about “the boss” in your seminars, but the love and
respect that you have for her is obvious. It is refreshing, because so often, the
financial success that many have achieved has come at the expense of multiple
failed relationships and marriages. It is again a confirmation of what you teach
about your wheel of life and the fact that you need “wealth” and balance in all
areas of your life.(Of course, the fact that you take your wife for romantic
breakfasts at faraway lodges in a helicopter, does set the bar a bit high for us
lesser mortals!).
Thank you Hannes! Thank you for deciding to make the effort to share your
wisdom, knowledge and experience with us. Thank you for deciding 23 years ago
to pursue your destiny. Thank you for helping me to decide that “Volo proinde
Ego sum validus ut perficio meus Deus donatus fatum”.
Regards
Clinton Meyer
Insequor vestry fatum
P.S. I think that there is great scope for doing a South African version of “The
Matrix”, with Hannes in the role of Morpheus, who instead of offering us a red pill
to awaken us to the reality of the “system” that is controlling us, would say…..
“DO THE BLERRY CALCULATION!!!!!!”
(The only thing that puts me off is the mental image of Hannes in tight black
leather and with a shaved head! But, who knows? You get all sorts of weirdoes
that would buy anything on the internet. Hmmm. Perhaps I should do some
market research and send an e-mail to my database.)
Monday, September 19, 2005 Clinton Meyer
Hannes, thank you for teaching me how to fish instead of giving the fish! -
Thereby not creating dependency but independency. All the time through your
seminars, workshops and mentoring we are asking for the “fish” – the answer we
need now to solve what we think is the problem – hacking at the leaves instead
of the roots – not taking the responsibility. You keep teaching how to fish – how
to do the calculations, how to take responsibility for the risk AND the growth,
investing in yourself and make your own decisions and take responsibility for
them and your life.
What I have discovered is that even with all the tools, tricks, strategies, formulae
etc. for creating riches, without the right psychology/mindset/conditioning/the way
of thinking I can never achieve the lasting true riches and fulfilling life I desire. My

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actions will not be congruent with my deeper values, principles, belief systems.
That is what makes this mentorship so powerful to me. It deals with both the
psychology (the inside) and the practical application (the outside).
I am immensely grateful, privileged and honored to be enrolled in Hannes

Dreyer’s WEALTH CREATION UNIVERSITY.
Friday, September 16, 2005 Andre Sterley
Since commencing the Wealth Creation course 34 weeks ago I have learnt a lot
and am continuing to learn each week. The one and I believe the most important,
thing that I learnt was Law 1: "Invest in yourself before investing in anything
else". This has really triggered me. It made me realize how little I know, in fact
nothing, when it comes to property in general and in property investment. So, at
the age of 70 next birthday, I realized that I still had a lot of investment to do in
myself. I set the ball rolling. First I attended the Property Pro workshop, acquired
and mastered the Property Pro Software and have now also successfully
completed the CEA property agent qualification. I have also joined an Estate
Agency on a part-time business (as I also have other business interests) to build
up some first hand practical experience. As I am also very interested in personal
growth and development and have lots of reading to catch-up with, I have also
acquired a speed reading software program so that I can speed-up the process
of self investment. Already I have progressed from reading 285 words per minute
to 685 words per minute. Slowly, but surely, I am getting there thanks to the
inspiration, guidance and general awakening that I have derived from the Wealth
Creation program.
Ben Groenewald
Thursday, September 15, 2005 Ben Groenewald
Hi Hannes,
Wow - you are truly amazing. Thank you for giving up of yourself to help others.
We met each other briefly on your first property course held here in London. I
was one of the attendees and am I glad I went to that course! I have since then
become a firm believer in your laws and I have been concentrating mostly on
your first law - invest in oneself. I have subsequently purchased your Property
Pro basic course as I wanted to go over what you said again and again. I have
also purchased your advanced course DVD set as I am here in the UK and it also

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allows me to go over what you said until I understand everything. I have just
joined the mentoring course, so I can’t comment on week 3, but I am looking
forward to learning whatever it is you say then.
The property pro software has really helped me have power of my emotions
when buying property. I used to believe shares and policies were the way to go,
but the IRR principle and the way it is shown in your software is just fantastic.
Now I can overcome the belief of location, location, location.
I have recently started upgrading my website because of the information your

gave in week 1 about associates. I am busy adding your site, amazon.co.uk and
google.co.uk and will hopefully gain infinite returns on those links. Have a look if
you have the time: www.davidbombal.com
I have also just purchased a property in South Africa with a 98% bond and prime
less1.6% through International Property Solutions even though I am based in the
UK and am self employed. This is a small beginning, but I if it were not for you, I
would not have believed this to be possible! You really opened my mind to the
possibilities. Thank you for telling us that this is possible. I am currently looking
for UK properties as the market looks promising and I want to be counter cyclical
as you mention.
The information about trusts is mind blowing. Thank you for going in the depth
you did on both the basic and advanced courses.
In the meantime, I am reading books like one minute millionaire, rich dads guide
to investing, real estate investing etc some of which you recommend in your
course notes.
So I am starting small, I want to make infinite returns and I am investing in myself

etc - just following the laws.
I thank you for giving back for my and others benefit.
Thank you,
David Bombal
Thursday, September 15, 2005 David Bombal
Hannes, ek wil net dankie sê vir jou oortuiging t.o.v. die aankoop van eiendom.
Ek en my man glo in eiendom soos in die bybel. Ons was finansieel gemaklik in
1996 daarna het `n paar besigheids transaksies erg skeef geloop met `n vennoot
en ons was verplig om alles te verkoop selfs ons eiendomme. Maar `n mens
kruip voor jy loop. Ons het weer begin kruip, dit was baie moeilik, die banke wil
net eiendom hê vir sekuriteit, dit was vir ons `n skok om te besef dat ons nooit
ons eiedomme moes verkoop het nie. Wel ek het jou kursus bygewoon en `n

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paar briljante idees gekry hoe om weer in die eiendoms mark te kom. Ons het
weer `n huis gekoop,`n woonstel, `n erf in `n golf estate by die see, en nou is ons
besig om 2 industrieële fabrieke te bou.
Dit het ons alles reg gekry oor die laaste 4 jaar!!.
Nou moet ek ook sê die bank bestuurder is nou baie vriendeliker as voorheen.
A.g.v. die feit dat ons eiendom besit kon die besigheid uitbrei.
Wat lekker was van jou kursus is dat jy weer ons die sekerheid gegee het dat
eiendom `n belegging is. Ligging, ligging & ligging is nie alles, jy kan ook geld
maak met eiendom sonder ligging.
Ons eiendoms portefeulje het met 3877% gegroei in hierdie tyd. Hierdie syfer is
gebasseer op die geld wat uit ons sak gekom het.
Ons het die besigheids perseel gekoop in Februarie 2005 en 3 maande later het
ons `n aanbod gehad van R150 000 meer as wat ons dit voor gekoop het, ons
het dit nie aanvaar nie, ons drome is groter as dit, te danke aan Hannes Dreyer.
Ons volg nou jou mentors kursus, en is besig met ons eerste projek, ons glo as
ons doen wat jy doen ons dieselfde sal kan doen oor 5 jaar al is dit 10 jaar. Ek
wens elke persoon wil jou kursus bywoon - want dit is die beste belegging wat jy
in jouself kan doen.
Tuesday, September 13, 2005 Magda Barnard
Hello Hannes.
The value of the building, with the increased rentals and well-managed costs
(despite the fact that we do a lot of maintenance) has increased by a dramatic
50% - and has an infinite IRR, so we. The cashflow from the building is also
veryϑare very, very pleasing.
We started 2005 by buying a few houses and then a small block of nine flats and
then decided to consolidate for the year, take stock of where we are, and where
we want to be.
We then focused on helping our two daughters to each buy their own properties.
Our older daughter, who worked in Korea for a year and is now working in
England, had no money in the country and applied for a bond, which was
granted. She bought a property we found for her for R165000, 00, which we have
let for R2250.00, after doing a bit of fixing up. It has great potential for a cottage
and as soon as she can make money available (she should be able to get

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increased access on her bond) we will arrange for the cottage to be completed
which will give her a really great return.
Our younger daughter who has just finished her BCom. and is working in SA, has
bought a house with four flatlets. She is busy adding carports and upgrading the
electricity and we expect this property, with its positive cashflow, will also give
her a fantastic return. She intends to go traveling once she has built up
something to come back to.
It has been great to see our daughters growing into the experience and making
decisions, learning from mistakes and starting to appreciate the joys, and sadly
the challenges of property ownership. Best of all, after one week of dealing with
her tenants my 22 year old daughter said, “Mom, I have a new-found respect for
you!” Music to my ears!!!
Property has given us amazing security and we are thrilled, that alongside
everything else they are doing, our daughters have the opportunity to start
investing in property at this early age. How many of us haven’t said “I wish I knew
that when I was younger.”
As much as we did know, what we learnt from you has been amazing, and our
daughters can benefit from all of that!! Thank You!!
Over and above all that we are truly focused on creating the life we believe we
were meant to have – happy and fulfilled, and it is a truly uplifting thought to
know that you can be happy, no matter what curveballs life may choose to throw.
Jimmy and Lynne Oosthuizen
Tuesday, September 13, 2005 Lynne Oosthuizen
The elevator to success is out of order. You will have to use the
stairs…. One step at a time.
Joe Girard.
Liewe Hannes,
Ons suksesverhaal begin by ons huwelik. Ons is nou 12½ jaar getroud en steeds
gelukkig. Ons reken die rede hiervoor is dat ons nie net verlief op mekaar geraak
het nie, maar eers baie goeie vriende was. Ons werk met alles as ‘n span saam
en geniet dieselfde dinge, doen dieselfde sport en het dieselfde belangstellings.
Ons stem selfs saam oor albei se skoonfamilie!

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Verder het die Here ons gesëen met twee pragtige en uitermatige slim seuntjies
wat ons lewens verryk. Die res wat volg word eintlik vir hulle gedoen.
Robert Kyosaki se “Rich Dad Poor Dad” het in ons skote geval einde van Mei
2004 en dit het ons lewens en denkwyse heeltemal verander. Ons het ‘n paar
van sy ander boeke ook gekoop en gelees en ook Dolf de Roos se “Real Estate
Riches”. Terwyl ons vir almal wat leef en beef vertel het van ons nuwe
ontdekking (dat ons op pad was om arm oud te word), het vriende ons vertel van
jou “Property Pro” kursus. Dié het ons op 24 Augustus 2004 bygewoon en aan
jou lippe gehang.
Ons het nie dadelik mal gegaan en eiendomme begin koop nie. Ons wou eers
leer hoe dit werk en het allerhande “experts” se breine getap oor presies hoe
mens te werk moet gaan. Ons het ons eerste eiendom in September 2004
gekoop en het tot dusver gevorder tot by 7 woonstelle, wat elkeen teen ‘n kontant
surplus verhuur word. Met die koop van hierdie 7 woonstelle het ons egter baie
geleer van wat alles verkeerd kan gaan met ‘n transaksie. Ons bestuur op hierdie
stadium self die verhurings om sodoende so veel as moontlik te leer hoe dit
werk. Emmarentia sorg ook dat sy op elke beheerraad verkies word vir dieselfde
rede en ook om ons belange te beskerm.
Ons ander suksesverhaal het 9 jaar gelede begin toe Emmarentia besluit het om
haar eie besigheid te begin. Sy is ‘n rekenmeester en doen kliënte se boeke,
belasting, finansiële bestuur, finansiële state en alles van A-Z. Jou mentor kursus
gee haar baie selfvertroue en die sukses wat deesdae by haar oë uitstraal
veroorsaak dat kliënte instroom.
Huidiglik is ons besig met navorsing oor ‘n idee vir ‘n besigheid wat gelyktydig ‘n
aansienlike behoefte in die mark sal bevredig en die groei wat in eiendom
beskikbaar is, sal kombineer. Wat hiervan vir ons ‘n mini-suksesverhaal maak, is
die feit dat ons reeds beleggers het wat die onderneming wil finansier.
Groete
Gawie en Emmarentia Vermeulen

Tuesday, September 13, 2005 Gawie Vermeulen
I am not too sure whether this can be classed as `success` or just a wake up call
and a change in life.
I came over to London about 15 years ago. I got stuck into the London lifestyle,
where it is easy to just exist happily, have loads of friends, but not going
anywhere at all fast (or slow for that matter). For years I know that I have needed
to do something with my life. I am not getting any younger.

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My father, who I absolutely idolise, spent his whole life, like his father, working for
a major SA bank. He got retired 15 years early due to affirmative action and what
he thought would be an adequate pension, now doesn’t quite match up. My mom
still works at a church, so there won’t be much of a pension coming from there in
the next year or two.
So now I am paying them a `salary` every month to subsidize there pension and
income. This has kick started me into organising my life, to make something of it,
for me later to be able to retire. I have now joined the mentoring program and am
looking forward to changing my life for the better, in a more positive way.
You look out for more stories from me, as I move forward with this life change
Monday, September 12, 2005 Malcolm Cruickshank
Dear Hannes,
Success they say is a journey and not a destination.
I am still on the journey but boy it sure is taking its time.
Your recent e-mail reminded me how to appreciate the small victories and look
upon myself as a success.
A positive mental attitude and outlook on life as you say is the starting point with
which I fully agree with, but it is tough some times.
Financial and time freedom is what I long for and have not achieved in the past 8
years.
Lack of focus, fear of losing money, guilt, jumping from the next hot business
opportunity to the next and a lack of a mentor has been some of the major
reasons why I am not yet where I want to be.
With you guidance and the growth and self development of business intelligence
on my end I believe that I will achieve the goals and dreams I envision for myself
and my family.
I am a physiotherapist by trade and have lived and worked the past 11 years in
the USA.
Opportunity is everywhere, however I cannot say that I have been able to

capitalize on it the way I should have.

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The success that I have been able to achieve and that I feel proud of has been
on the internet and in real estate.
Three years ago I bought a four bedroom two bath house for $69,000.
I put $6000 in repairs into the house and leased it out with an option to purchase
on a 24 month contract to a young couple.
They gave me $4500 option consideration for the purchase of the home and their
rent was set at $750 per month with my payments being $650 per month.
I had a $100 per month positive cashflow.
The option price was set at $92,000.
After 16 months the couple broke the contract, forfeited their option money and
had to vacate the house.
I gave them $1500 back as an incentive to leave the house immediately and
avoid the need to evict them and face possible damage to the property.
To my fortune the real estate market took off in the past two years and within 45
days I sold the house for $122,500 for a $50,000 profit.
My second success is internet related.
I spent money investing in myself and taught myself the basics how to set up a
mini-site that caters to a specific niche.
Since I got this site up 4 months ago I am averaging $300 per month positive
cashflow.
The internet is incredible if you know how to market your self.
My goal is to obtain a $3000 passive income from the internet that is fully
automated with other niche sites.
Everyone has a product in them with specialized knowledge others will gladly pay
you for.
The challenge is how to get that knowledge in front of enough people to make
positive cashflow.
Using my background and skills as a physiotherapist I captured a niche and

market online that is hungry for information and I gave them the information they
were looking for.
I saw a need and filled it.

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Selling information is an incredible business - low start up cost, ability to test and
see if the business will take off without much risk.
My two challenges remain my ability to manage my time and manage people to

use their talents in a profitable manner without trying to do it all myself.
I look forward in attending your property seminar next year when my family and I
return to South Africa for good.
I hope this message will benefit and inspire others as their success stories have
inspired me.
Thank you for what you are doing.
Baie groete en dankie vir alles wat jy doen.
Gerhard Cronje
Saturday, September 10, 2005 Gerhard Cronje
Well where do I start.
My first and most important success story is the change I have experienced in
myself by attending Hannes courses. I have always been a methodical planner
and not very good at getting down and doing what I have planned.
Since I have met Hannes and attended his course I have changed that side of
myself. I now spend more time on the getting down and doing what needs to be
done like taking calculated risks and less time planning. This way I force myself
to carry through with my goals and objectives by actually carrying through with
my plans.
I also look at every part of my life in a new light. If I don’t like something then I set
plans to start changing them and the things I would like to do are becoming part
of my life and not just goals on my list.
As an example this year I took my Wife and our three children to Italy for a month
holiday in June / July. I achieved another of my goals by purchasing my bike
which is a BMW GS 1200 which is long overdue. The financing I used to achieve
these goals came from my property investments.
Thank you for the inspiration and the way you share your quality of life concept. I
think this is one of the most important you have and live by and it is making me
enjoy life more and more every day.

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Cliff Kayat
Thursday, September 29, 2005 Cliff Kayat
This is not a big ‘wow’ success story, but one of an average person, now on the
way to greater things, thanks to your sound mentoring and advice.
I grew up in a family of academics and was brainwashed, like many others, to

‘study hard, get a degree and get a good job’, and to believe that wealthy people
are greedy and must have suspect morals to succeed. I subsequently graduated
with a degree in civil engineering, and began working for my bursar company,
excited of the prospects of a successful life ahead. After several years of hard
work, I realized with a shock that the path I was on was going nowhere. The
industry I was in is a cut-throat, highly competitive one, with generally very low
profit-margins, but even in a better paying job or career, the financial freedom I
sought was going to remain a pipe-dream unless something changed. I started
reading extensively on investments and share-trading but was not convinced that
the often high risks in these areas were worth it.
Then I got married and spent two dreadfully unhappy years in an abusive
relationship (another shock to my sheltered upbringing!). In that time my personal
growth and investment research become vague and distant dreams in the
struggle just to cope emotionally. However, it was a period of enormous spiritual
growth – it is only when we are tested to our utmost that our character can be
molded and strengthened, and that we can come to learn and appreciate our
reliance on our Creator. I finally realized I could not carry on and some people
simply do not change, and filed for divorce. The overwhelming relief I felt,
together with a revived enthusiasm for life, led me to pick up where I left off with
my research and learning.
I enrolled for a short diploma course at Unisa in Financial Management, which

was enormously helpful. I also purchased a townhouse in which to live – at a
good price since the owner had been transferred and I happened to speak to an
estate agent moments after he learned of the property. However, still at the back
of my mind was the thought – there must be something else, another way… I met
one of the men staying in my complex, who generously helped me to move, and
discovered we had studied engineering at the same time at Pretoria University
(just different disciplines). We became friends, and at one of his braais I was
introduced to his uncle, who at 35 has several rental properties fully paid for. We
got talking and a seed was planted in my mind. The problem was though, that he
has a very high-paying job, and I did not.
Shortly afterwards, I saw an advertisement for the Hannes Dreyer property

course, and after discovering that my new friend’s uncle had attended the
course, I persuaded my new friend to join me in attending it. What an eye-opener
– and a culmination of all the seeds planted throughout my journey thus far. I

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knew now what I wanted – to be financially free and have my own property
portfolio. Best of all, I knew now too, how to achieve it. Spiritually, I had come to
realize too, that we are not placed here for our own amusement, but for a
purpose, and that God could use me and the finances I have and generate for
His use. I purchased a further townhouse, unfortunately not for free, but at a
reasonably high return. Renting it out has been a good learning experience. I
suspect though, that the true value in property is going to be more easily
achieved and manipulated through full-title properties.
I joined the Mentor course when Hannes started it, and have hungrily been going
through his weekly lessons. And of course, sharing my new-found ideas and
enthusiasm with my new friend, who happens now to be my fiancée! God has
been good to me, yet I know the best part still lies ahead…
So thank you, Hannes, for helping me onto and guiding me down a path to a new
mindset, new challenges and, ultimately, to financial freedom!
Friday, September 09, 2005 Pia Beukes
The key to my success has been go give up everything for my dream

John Johnson.
Dear Hannes
I did your property course in Bloemfontein last year because I believe in what I
loosely call “collective awareness”. I have experienced on many occasions that
like minded people would start enquiring about an issue or that they would start
asking questions about some specific problem at roughly the same time or stage
in their lives regardless of where they live or what language they speak. It is quite
uncanny and in my experience not limited to our country or culture only. I
responded to this “awareness “and started the property course because I knew I
had to do “something” but had no idea where to start.
I also suffer from INERTIA – I often have good ideas but cannot get started, like
the book on procrastination I thought about two years ago! (Only joking!!). So
imagine my delight when your sms reached me during December last year! The
sms said that a mentoring course was to be started for people like me who
cannot get going and although I did not start right away, I realized the potential
and what this could mean to me and my quest for knowledge. Even while doing
the property course I realized quickly that there was an opportunity to learn from
someone who has already done what I needed to do (learn from the real
experts).
The mentoring course works and will be successful here and overseas because it
comes at the right time, it helps us to overcome the crippling inertia, it gives us

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the tools to do the job for ourselves, it gives expertise and feedback and
encouragement and hope. It does one more very important thing for me - IT
FORCES ME TO MAKE TIME TO REALLY THINK AND THEN TO ACT!
My story is remarkable for me because I was fortunate to find the right source for
the knowledge I needed. I am one of those professional people who are too busy
going to work to make money. Running an optometric practice requires hands on
approach leaving too little time for family; friends and other interests and I wanted
more time.
Currently I have a business building in a trust and my practice pays rent to the
trust. Previously the building was registered in a CC that was sold to the trust a
few years ago and consequently the trust owes me R600 000. I also have a
townhouse that was used as surety with the business building for a credit facility
(R600 000) that was sufficient then but now can be increased to R1 600 000. I
built a new townhouse 3 years ago, paid for it and lived there until 2 months ago.
This property is registered in my name. A bond is being registered on this
property for R1 000 000 (paid R495 000 3 years ago) and market related rent
would be R5250 per month with a very good IRR if I use R750 000 of this facility.
Two months ago I bought a house and paid for it using the money from the trust
and surplus money from my practice (I intend to replace the “practices’ “money
as soon as the bond is in place). By then I will have a tenant to help finance my
current home. The nice part about the new house is that it has a two bedroom flat
that I am letting to a friend who in turn is letting her house with an infinite IRR and
there is enough space to accommodate my parents should the need arise.
Lastly during last year I bought a flat for R270 000, registered a bond in full
(Property in my name) with an IRR of 700%.
Equity in these properties can provide security for R2 500 000 for a new deal but
I am uncertain how to structure any future venture as I have just started learning
more about Trusts in the Mentoring course. I have four properties in my own
name and would like to find a better solution and get the right structures in place.
Thank you for sharing your hard earned knowledge with me and making this
journey so exciting! I am looking forward to the rest of this course.
Best regards
Andre
Tuesday, September 06, 2005 Andre van der Merwe
After getting divorced 8 years ago(and this was nasty, I played the main role in
an Alfred Hitchcock Thriller movie!), I went to a Reflexologist to get my feet done
for the first time...needles to say that I loved it so much, that I decide I want to be

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one! (After school I worked as a drafts lady for a Land surveying firm, got married
and we settled in Lydenburg where we had a convenience store in the main
street...hard work 7 days a week - with no time for a relationship- no wonder we
got divorced! No balance!) With my mind set on business I enrolled for a course
that taught Beauty & Body therapy, including Reflexology. I finished a 4 year
course in 2 years and got special permission to do this to qualify in South Africa.
To complete my International Diplomas I had to write one exam a year. After my
2 years I have gotten all my South African diplomas and in my line of work, I had
to NOT work for someone to make it in a big way...so I went into sales for 2 years
to complete my International diplomas and some income to live from coming from
sales. The plan was to save some money during this 2 year period to open up my
own Health Spa...I made so much money with sales that I "forgot" my initial
idea...until I had an accident. I could not work for 2 months and this motivated me
even more to work for myself than working for a boss. Being sort of out of action,
my mind went back to the idea of opening my own spa, I investigated and fell in
love with a place in Hazyview...I negotiated myself into a deal where I only had
one month to prove viability, and not being of sane mind (like all normal people) I
handed in my resignation to my boss with only that one month to prove myself.
Needles to say that I should have gone on unpaid leave...but that is so not me!
That month was a huge success. And we started negotiations. We were going to
sign a 5 year deal, and success was so close I could smell the interior of my new
RAV 4 that I was going to buy myself! Two days before signing the deal, one of
my very good friends phoned me up. He offered me a ride in his new BMW and I
suggested we go to this resort where I was going to make lots of money...we got
there and behold - the place was completely destroyed by the floods! How is that
for luck!? Very sad, depressed and unmotivated I had to go back to the city to
start up the same venture, but in a different setting...until 2000 I could only
"maintain" myself. During this time I am forever reading up on investing, making
money etc. I mixed with the right people, trying to pick up tips on the subject.
Every body tells you WHAT to do, but never HOW....and I came to the conclusion
that it takes money to make money and left it at that. I had another accident, and
this time it was very serious- I had to give up everything I have build up until that
time, and move in with my parents at the age of 27! How embarrassing...but like
everything in life, this also happened for a reason - I met my husband, and we
got married in December 2004. We were definitely meant to be together- we are
playmates, soulmates, and any kind of mates you can think of... Since meeting
my husband and attending your course, my luck is changing...has it got anything
to do with luck? No I don’t think so! I always say: IF YOU KNOW BETTER - YOU
CAN DO BETTER! Always the "investor" I always new I had to get property on
my name...and in July 2004 I bought my first property. I followed the trend - buy
into these developments where you save on transfer duty in the right area...ha-
ha-ha. My bond re-payment is roughly R4300 per month of which the rent I get is
R2600 (of which R700 pays levies) so I still signed up for this deal and paying
"in" R2400 per month. My husband and I were on the verge of doing the same
thing with another complex. After attending your course, we discovered the
mistake of my property, and we stopped the deal with the complex - we did the
math! We would have ended up paying almost R4000 per month out of pockets
...you are a live saver! I had a good feel for the property market and am now

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doing math on every potential property....I will never make a mistake with
property again! Since then, I have made several offers on property with
judgments, and know exactly when to do what...no luck yet. But it will come. I
have attended some Auctions and are on my way tonight to make a guy an offer
before the auction 3 days from now...I did all the math and homework on the
property, and even if he does not take the deal I have on offer, I will attend the
auction...I am so excited...
Monday, September 05, 2005 Petra Coetzee
Hi Hannes
My story begins when I read your email. I was hesitant at first. I thought it was
one of those crooks. But as I continued to read through I slowly began to trust
you. You said I must first invest in myself, my husband and my children. There is
no greater joy to have your family by your side. I never understood when you say
that I must learn to listen to my children. I ask myself, when do you listen to your
children. I realized that if I invest in myself then the knowledge I am acquiring I
should also transfer it to them. The decisions I am making about them, I should
involve them. I am a person who has a self low-esteem. I knew that it is because
I am too fat. I am weighing 108.4kg and 33 years old. I was motivated and
decided for the first time in my life to begin by loosing weight. I have joined the
TLC club, to loose by eating healthy. I am not taking short cuts. Every time I think
of quitting I think about the success that is waiting for me on the other side. I am
so positive about my life like never before. I look forward for each day when I am
going to succeed physically (by loosing weight and have a lot of energy),
emotionally (knowing that my family supports me all the way) and materially
(Wealthy by your help). Thank God for finding a Mentor like you. Keep up the
good work.
Mpho Gumede
Monday, September 05, 2005 Mpho Gumede
Dear Hannes,
I am 52 years young and as you pointed out on the property-pro workshop I

attended on 30 July 05 time is running out, but despite this I chose to invest in
myself in the form of this workshop and the software package.
My story started before Hannes Dreyer’s intervention, but please read through to
see the influence he had on our lives.

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About three years ago I had the opportunity for a Standard bank home loan
arranged through the company I work for using my pension as collateral. The
interest rate on the home loans was prime-2% and the company sponsored a
further 1% (Prime - 3%), vs. my rate of prime +1% then. (Note no transfer fees
etc. required as it was against my pension)
I was naturally in doubt as to whether I should take the loan even though I could
see the savings, and colleagues and friends did not help by pointing out the
possibility of losing a portion of my meager pension. After considering the
situation for some time I realised that my pension and my bond were really the
same thing, because if you retire with an outstanding bond a portion of your
pension will need to settle this debt anyway.
I took the loan and settled my home loan, and paid back the loan in 21 months
vs. 4 years outstanding with the 4% lower interest rate.
Suddenly we had surplus which we considered putting into pensions, but

realizing the poor performance decided to take a risk with property.
At the end of 2004 we purchased two properties for under R700k for both, purely
on emotion and spent the next eight months wandering if we had made a
mistake.
My original bond was 60k which we refinanced; I took a new loan against my
pension of 230k for the first property and bonded the second property. Thus a
total of 680k in loans, which is large debt compared to the original 60k.
The Property-Pro workshop alleviated my fears as I realised that on both

properties we have an IRR of between 43 and 47 percent, I think we were quite
lucky.
We have since purchased a townhouse of which the bond is approved for 364k.
The biggest success for me is that two weeks ago I negotiated interest rates on
all three bonds to prime - 1.4% from prime - 0.2%. Also I have had a further two
bonds approved, signed at the attorneys last week on the property which was not
bonded and our home a further bond, after my applications were turned down
due to qualification on loans vs. income. I took the matter to a regional manager
who approved the bonds on current property (positive gearing). I took control, I
did not take no for an answer, I now have another 600k available to invest at far
better interest rates.
At least two of these additional properties will be paid of in eight years, God
willing, and will procure an income of at least three times the estimated pension
value.
Last week I enrolled for the mentorship programme, hence my story only now
being submitted, and I know that we will benefit much.

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Hannes, thank you for alleviating our fears and god bless you and yours for the
excellent work you are doing.
Monday, September 05, 2005 Alan Boucher
Hannes, Initially I have joined your program to enable me to grow rich. I have
grown rich, not in wealth (yet) but in wisdom. If I consistently apply the wisdom,
wealth will follow. I have not bought new property, but I have done some nice
deals by just by applying the technique of listening and living my values.
I have connected buyer and seller - it cost nothing. I have sold a non-performing
business of a well-known bank to a listed empowerment company. I have also
sold 26.1% of a call centre to an empowerment company. It is not the fee that I
have earned that exited me but the many opportunities that come and go every
day of our lives. In the past, I would have not pursued them.
I have applied some of my values, and they are Success- I set people up for
success. And Chaos- I look for dangerous and chaotic opportunities and exploit
them.
By making these values part of me, I did set people up for success and the two
opportunities was born out of chaos. Your mentoring program has changed my
behavior and the way I have operated. Therefore, this just a short not to let you
know, I really appreciated the many hours of work that you have put in to make it
possible for many South Africans and maybe someone else in the world to have
fun and start living for the fun of it. This mentoring program not only applies to the
entrepreneur but also for the entrepreneur that have a passion to make a
difference for his employer, and be rewarded handsomely.
P.S. You made me lose 26 KG of fat.

Thursday, September 01, 2005 Henry Simpson
Hannes, I’m very happy and we are celebrating. The first property is now
registered in the name of the trust.
This brings me to a new level of satisfaction. Although we obtained other

properties, this is the first in the trust.
I’m glowing
Hermie
Wednesday, August 31, 2005 Hermie Visser

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Success story:
As a child growing up in my parent’s house I always had what I needed and

sometimes even what I wanted (all the luxuries). In retrospect I would say that I
had a perfect childhood. Parents hardly ever fought (in any case not in our
presence), we stayed in the same house from day one, and I went through
school without major hiccups, etc. etc.
All this is very good, but with any scenario there is always another side. I had a
perfect childhood and even today most everything is pretty much going my way
except for the minor hiccup here and there. With all this you tend to live a routine
life and you don’t get into contact much with the rest of the world much.
This changed for me when I visited one of the people listed on the judgment list.
Let’s call him Joe. They are normal people like you and I but live in a different
world to ours. Your world as well as your beliefs gets molded by your
experiences and the influences of other people. Most of the people in “MY” world
does not know the feeling of going to bed hungry, being without a job, sleeping
cold, being judged and discriminated against by others, ….even drugs wasn’t
part of my world.
Then I met Joe. His life was I would say average compared to mine and the rest
of my reference framework (my world). He owned a house, had his own car
loving wife and a kid. With the flick of a switch all that he had was in jeopardy. He
lost his job, his car, most everybody he associated with didn’t want to be seen
with him, a judgment was placed on his house….
That day, I looked into the face of a desperate man, a man who had everything
and lost everything. A total stranger whom, in a moment of desperation, adopted
me as his savior.
(I was always afraid that the people will get aggressive with me invading their
financial privacy, never in my wildest thoughts have I anticipated this reaction. A
keen angler in my prior life I once caught a ray. Afraid it might sting met with the
notorious spine at the base of the tail it gave me an electrical shock. Imagine my
surprise. It turned out to be an electric ray.) I sat there, speechless, listening to
Joe’s life’s story. (I must admit, I wasn’t geared emotionally for this experience.) I
really felt sorry for Joe and was touched by his story. Then out of the blue I
remembered one of the first things Hannes taught me. Never get emotionally
involved.
By then I new that I wouldn’t be able to help Joe to get out of his predicament.
On paper it looked like a great deal but in reality the SUM did not work.

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From the conversation we had it was evident that Joe was in the dark as to what
is really busy happening to him. To the best of my ability and with the help of my
brother Deon, we explained the process to him. This in itself was a good
experience as we could see that Joe was feeling better knowing what’s going on.
What I took from this experience was:
· Appreciate what you have in life, you don’t know how long you will have it or be
able to appreciate it.
· Expect the unexpected then it will not be a surprise when it happens.
· Look around yourself and be more aware of what is happening in the world
· Respect and strive to understand people in other worlds. You would most
probably have turned out the same way have you been in their shoes.
Wednesday, August 31, 2005 Leonard Lengton
The person who goes fastest is generally the one who is willing to do
and dare. The sure-thing boat never gets far from shore
Dale Carnegie
Hannes
When I first walked into your course room, it must now be nearly two years ago, I
was very skeptical. To pay so much money for a one day course, at that stage,
really had me in two minds. Then twenty minutes into the course I had a major
insight that was worth much more than I had paid for the course.
Obviously you bombarded us with many other major truths for the rest of the day
but this one stood out. You demonstrated how what people say and claim,
mostly, is erroneous assumptions/ conclusions and for the next week everywhere
I went I heard these unfounded assumptions rolling towards me, virtually from
everybody I came in contact with. You can imagine what impact it had on my own
life and how I now view things.
At the time I had just bought two townhouses and to my disgust I had to learn
that that is not what one should have done and that it should in any way have
been for free, which mine obviously was not. I was all pumped up and ready for
purchasing free property. Unfortunately life/reality quickly wiped out the little bit of
enthusiasm that there was. Fortunately, for me, you persisted and your challenge
came along, again spurring me on.

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Since I bought two pieces of land zoned for high density housing development.
Again I realised that that was not really what I should have done and one gets
that sinking feeling when money is flowing out (as you pay your bond and rates
and taxes) and nothing is coming in.
My other commitments (I am a self employed consultant-- am I not doing all the

things I shouldn’t be doing?) kept me so busy that I just didn’t get round to
looking for free houses, I even joined your Website with listed property without
the results I was hoping for. I was caught between a desire to get involved in
property and one of taking my consultancy endeavors the next step. The income
from the consultancy was such that I could not just walk away from it, while I
knew if I did not get involved in property I will regret it going forward.
This is when my one daughter (Marné, she attended your property workshop
recently), un-expectantly, had to face reality as the firm she worked for closed
their doors. I then got the idea that she could look for houses for me and I asked
her to come and work for me. I will cover her immediate money needs (which I
most probably would have had to do in any case, while she looked for another
job). She would help me with my administration and look for property to buy,
learning the business and get involved herself as we go along. Of course, having
some entrepreneurial traits, she jumped at the opportunity.
Three weeks into the arrangement she found our first desperate seller and I
picked up a property for about 25% below market value, with an IRR of over 60%
and it will be cash positive from day one on current rates. I then got my daughter
to put one of the pieces of land I bought in the market for the same price I paid
for the house-- R380 000 (I paid R120 000 for the land in January). To my
surprise it sold the next day. So now we are really fired up, what you have been
telling us is now reality to us. Obviously we are still making mistakes as we go
along but with your guidance we are improving all the time. I want to buy at least
another three free properties this year.
Your challenge notes (Lessons and Practical) I find very informative and have
learnt a great deal from it so far. However the one thing I had a major problem
with is the type of businesses you started. I thought yes of course you can do
that, with your training and experience, but we mere mortals don’t stand a
chance to duplicate it as we just don’t have that sort of exposure/ experience. But
then I started to think what is there that I know stuff about that can be use to start
a business with.
After some time two things came to mind. One is to implement a procedure
writing process into organisations that takes procedures to a total new, workable,
level. I packaged some of the work I did over a long period of time and presented
it to a firm; I had previously done work for. They agreed to us doing a pilot in one
of their plant areas, which I subsequently have done with very good results and
currently I am just polishing the process so that I can train other people to do the
actual work for me.

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The second idea was to package a concept on improving safety in organisations
(I had previously experimented with a non-traditional approach, which delivered
very good results) and have today made a presentation to a big company who
are very interested to give it a go and we have agreed to the second step in the
process. Thus I now realised that I can also duplicate what you are doing on the
business side and, I am sure, that is what you wanted us to realise.
Having told the house buying story to some of my friends they all want to be in if
we find a similar deal and don’t want to take it up ourselves. So there definitely is
a market for your idea, which was shelved, and something that my daughter will
pursue to see if see can devise a system that can work.
So maybe she will not be working for me for long but will have me as one of her
clients.
I have set myself a goal to duplicate what you are doing with the challenge just
staggered in time and I am glad to report it is starting to happen.
Best regards
Yours truly
Andy Anderson
Tuesday, August 30, 2005 Andy Anderson
Hannes,
My greatest achievement since joining the mentoring programme is my change in

attitude. I have taken control of my life. I am putting myself first and taking
responsibility for my life.
I have achieved nothing financially but my change in mindset is taking me places

I never thought I could go.
I have gained a lot of weight (body mass and dress sizes!) over the last few
years, and even more over the last few months. I have until now blamed the
negative circumstances in my life for this. Now I KNOW it’s all my “doing”. I would
not “diet” any more because I had tried so many times and not stuck to the
program. I am now working on losing weight, taking one step at a time with the
SOLE INTENTION TO SUCCEED! I have made it through week one without
appetite suppressants simply because of “the power of the mind!!!”
I don’t expect this to be an easy journey but I intend to achieve my objective,

steadily but surely!

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Of course I’ve grown immensely in other areas of my life. PRODUCTIVITY! Now
this struck a cord as a dear friend said it would! He did not push me
(intentionally!) to be productive (Independent Client Introducer – ICI) but left that
in your capable hands! And boy are you making waves in my life! It is 03:30
hours as I write having woken up at 01:00 hours because I felt I was wasting time
sleeping instead of catching up with my mentorship programme reading and
assignments. (I am only in week 5 of the programme).
This submission in itself is a major achievement for me. – It is the first time I have
written anything for “public” consumption, not to mention the fact that the
contents are of such a personal nature!
The business ideas are also starting to flow (mentally and practically). There are
opportunities all around us, all we have to do is “wake up and smell the coffee!” I
WILL find “that one (or more!) Idea that will give me the breakthrough I’m looking
for!” Oh, and yes! I am definitely “living my life with passion” and “enjoying the
ride!” I want to be free! I WILL be free!!!
Thanks to you Hannes and the rest of the team and to my dear friend, of course,
for opening up my eyes!
Monday, August 29, 2005 Gugulethu Dlamini
From CA to entrepreneur
Dear Hannes,
I have been brought up in, what I refer to as a typical Afrikaans household. The
typical phrases of “look after your company and the company will look after you”
and “why be a small fish in a big dam while you could be a big fish in a small
pond” were common educational phrases heard in our household. Christian
principles, respect for older people, children must be seen not heard, please
don’t talk about sex, money and politics – you know what I am referring to.
I decided from a young age that financially I will not settle for the same. My
career decision was easy – I simply asked my teacher which profession makes
the most money and based on his advice, I enrolled to become a Chartered
Accountant (PS – on pure financial principles, I now know that he was wrong!!).
With help from Above and with determination I passed first time and my life
opened before me.
I can’t deny – the profession does have its merits. I have a house on a golf
course, 4*4 vehicle, superbike in the garage, off-shore investments (you get the

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drift), but more importantly, as manager of 5 divisions in a listed company, my
mental challenges and stimulation are exceptional.
Only thing is our company has gone through a lot of restructuring as many
others, and whilst I was not personally affected, seeing it happening so close to
you can’t leave one unchanged and not concerned about security. I realized the
importance of a second income (not referring to my wife’s) or maybe a third, forth
and so on…. Note – I love what I’m doing, thus I’m referring to true sideline
business(es). And to be honest, Golden Products is just not my scene!!
But exactly here is where the conflict starts – in my CA education entrepreneur =

risk. Or should I say RRRRIIIIIISSSSSKKKKK!!!!! We shudder just to hear the
word and will do everything to avoid it. In my brain I thus had a mental block,
where a man named Hannes came in.
After seeing your advertisement in the Rapport and attending a free cession, I
immediately enrolled for your mentoring course. Trust me, I fall into the “willing
learner” category as per your mission.
I applied many of your principles. I started to spend hours and hours with
entrepreneurs, learning how they operate and how to mitigate and almost
eliminate risk. I reprogrammed my brain and as Gary Player used to say: “The
more you practice the luckier you get”.
Bosman, one of my entrepreneurial friends who has his own printing company
realized that he has never seen an advertisement on a shopping basket (there
are on trolleys and carts, but not baskets). He shared this with a mutual friend
Gert, who has the African distribution rights of a health snack called Trufruit, who
immediately saw potential. I got involved due to my financial and legal
capabilities. We developed a product, obtained required patents, lined up a
national distribution agent, prepared all the contracts (we did this for free as per
your advice with the attorney having a potential upside should it succeed),
arranged international tax structuring (also on for free basis) , discussed it with
retail groups and advertising agencies.
The response, to say the least, is overwhelming. By having the product in the
bottom of the basket, we don’t change the retail image, which is critical. But it
turns a basket from a pure overhead into a money generating product. To
illustrate the potential – last week we shared the idea with a local retailer group.
The group has approximately 60 000 baskets. At R2 per basket for the retailer,
they get R1.44m from a previous overhead! No brainer decision if I ever seen
one. Without disclosing our margins (note that this is split between 3 of us – not
thousands and thousands of public shareholders), imagine we get deals with the
Tesco’s, Sainsbury’s, ASDA’s and Wal-Mart’s of this world…….
Hannes, I don’t think words can express my gratitude towards what you are
doing and what change you brought to my life, which obviously includes my wife
and future family. Maybe what I should say is that your mission is to teach people
how to get rich. From about 4 months from now, the chances are good that every

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time you are going to pick up a hand basket in a retailer, a student of you will be
10 cents richer!!
Pieter Steyn
Monday, August 29, 2005 Pieter Steyn
Hallo Hannes
ek wil net graag uit die diepte van my hart vir jou dankie se vir die unieke voorreg
wat hierdie kursus my bied. dankie dat jy sonder om enige iets terug te hou jou
kennis met ons deel.
ek is in die bevooregte posisie dat ek danksy baie geluk en genade n groot

hoeveelheid geld(miljoene) met n besigheid gemaak het. ek het egter deurentyd
ver weg in my agterkop die vrees gehad dat ek dit dalk eendag kan verloor. ek
het middelklas na laer middelklas grootgeword en is nie bereid om ooit weer na
so n lewe terug te keer nie.
ek leer baie uit jou kursus waarvan die belangrikste vir my die volgende is:
1 ek besef hoeveel ek nog moet leer en ek ervaar hoe my denke verander. ek is

baie meer konserwatief as in die verlede en neem slegs berekende risikos waar
my kanse op sukses baie hoog is
2 die klem wat jy plaas op n gebalanseerde lewe beteken baie vir my en my

gesin. ek geniet dit soveel om besigheid te doen dat ek dit 7 dae n week wil
doen. danksy die wiel van die lewe maak ek dit n prioriteit om genoeg tyd met my
gesin en familie deur te bring.
ek het geen vrees meer dat ek my rykdom sal verloor nie want ek weet hoe om
rykdom te skep.indien ek alles verloor weet ek dat ek binne 2 jaar weer n
miljoener sal wees in enige land in die wereld.
ten slotte wil ek net se dat ek week na week al die lesse uitdruk en hou as n
lewenskursus vir my seun. hy is tans 2 en `n 1/2 jaar oud.
mag dit wat jy met soveel toewyding aan ons gee menigvuldig terugkom na jou
toe
Sunday, August 28, 2005 Marcel Delport
Reading these success stories is inspiring indeed. I get a lift each time I log on
and immerse my self in other people’s experiences, deep thoughts and dreams.

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I am 10 weeks into the mentorship course. To say I’m not the same is not
enough, I am changed, and continue to change inside out.
I go through the lessons over and over until I internalize the gist of the lesson.
The lesson on income, profit and cashflow has left me with mixed feelings. I was
depressed for a day or two, because when I did the numbers on my current
businesses I was shocked! I was happy, on the other hand, that I now know
where I am headed and what needs to be done to move forward.
I used the "Property Investment Analysis Software" to analyze my businesses.

The two "big" businesses that I thought were my lifeline, were actually eating me
to death slowly but for surely. One has an IRR -20 % and the other -infinite! In 8
months time I would have been faced with a decision to sell or liquidate.
On the other hand the three small business interests I have, which were more or
less "things" that I never really paid any particular attention to turned out to be
the shining stars! That gave me a smile and hope for the future. The one has IRR
105 %, the other 164 % and the last one an impressive 300%! The capital
outlays for these ventures were R3500, R2500, and the last jewel R450!
The first two "big" business ventures total a million rand.
The biggest painful truth about IGNORANCE is that YOU DON"T KNOW THAT
YOU DON"T KNOW.
Now I am working on strategies to turn the two big hippos around. I am certain I
will succeed, thanks to you Hannes.
Wednesday, August 24, 2005 Arlindo Tembe
I have today (5 weeks within the mentoring course) realised and achieved one
small thing `mentally` which had an impact on a potential mistake I was going to
make. And that is to WAIT and learn first before I pursue in any further
investment deals. I realised that something was wrong with my way of doing
things (a couple of weeks before starting the mentoring course), but the question
was what. I then after a five week period of doing the mentoring course realised I
need to hang in there and learn more. I bought another book on property
investments (Busy reading it), as well as looking for additional information on the
internet. This should expand my knowledge on the subject. I also enrolled for the
workshop on property investments. These are only small costs in comparison
with what I was going to loose when pursuing with a specific property deal. What
you say is shocking in that we always get conditioned by "experts" that it is good
to have a negative cash flow, and who makes money in the end, not me but the
so called èxperts`. My opinion, these so called èxperts` are experts in making
entrepreneurs fail, and enriching themselves. Maybe this is going on for so many
generations that people just àccept` the way things used to be done. But yet
again, as they say, if everyone does it, it got to be the `right` thing. This `right`

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thing is definitely not good for myself and my future, since I am the one loosing in
this deal. The mayor thing is that I made this `small` realisation of investing in
myself FIRST and STOP continuing with that so called popular `right` thing. Once
I feel confident that I know what I am doing that will get me out of this loop, then I
will apply what I have learned. This is to me a personal achievement, which will
put myself and my family first, before a so called good deal. May the next
èxpert` come by and take on that deal, while I will invest in myself FIRST!
Sunday, August 21, 2005 Leon Janse van Rensburg
Building the perfect me.
This success story is dedicated to the norm. The norm that pushed me to where I
am today. Thanks to them I proved the un-imaginary for my life.
For me, success is about being on the edge and experiencing life at full throttle.
It’s about doing what I always dreamed of doing … and doing just that. It’s what
so many of my friends talk about doing, but they don’t do it. Success for me
means the blood pumping through my veins. When you are in the heart of Mother
Nature, the ocean and disappearing behind a curtain of water, surrounding you
but not touching you, this is when I am at my peak and the success is burning
through my veins. This sensation you will never know, unless you have been
there for yourself. When I am traveling at great speed on snowy white ice
surfaces and the slightest twist of the wrong weight distribution can mean the end
of your ride. It’s when you feel comfortable with tunnel vision and fear is the
factor that keeps you alive. This is where calculated risks play the most important
balance between survival and the greatest thrill for me on this planet.
My name is Xaver Walser, I am 31 years old, South African but now living in
Switzerland. I am an affiliate on Hannes Dreyer’s mentoring course.
My success story started some time ago when I dreamed of doing what I always
wanted to do. This was to travel the world, ride the planets most beautiful waves,
go at least once a year on a snowboarding holiday in the Alps and still make
money in the process. There was only one problem. I am a waveski/kayaker and
there was not enough money in the sport to pay for the top riders to compete. I
love beautiful things and my eyes are always capturing passing moments. “There
must be a way to treasure these moments better” I said to myself. I started
drawing, but could not keep up, for there were too many pictures in the world that
needed capturing and my left-hand could not sketch fast enough. I managed to
save enough money to buy my first video camera. This way I could capture the
moments of live much better. My vision was big and suddenly a world of
opportunities was open to me.
My brother Pieter and I set off for a trip of a lifetime. The Philippines have always
been an untouchable dream destination for us and this time we were going to

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view it ourselves. With Pieter being an excellent stand-up surfer, together we
made a great combination riding the swells. We made a point to filming each
other and not a wave went by without one of us behind the camera. We also
realised if the camera is pointing your direction, you are pushing your body to the
ultimate. The camera cannot lie and the beautiful unspoiled Philippines were
captured forever on film.
Back home I started the editing process and part time studying at City Varsity film
school. It took me more than 6 months to edit the thing together. I called it Open
your Mind. Why? Because it opened my mind to the world. I was completely
hooked on my new profession and happy that I could express myself in this way
and still enjoy the sea like I always wanted. I sold 270 copies of Open your Mind
and knew that I had something unique. The year after, Mutual Addiction sold 300
copies, but this was not enough to live of. Everybody was pretty much against
me. What is this guy doing, sitting night after night and playing. A friend of my
dad even said. “If I have to struggle like this then I rather work” Well they were
probably right but I was definitely not going to listen to them. I had a voice in my
head that told me that I was on the right path. The work came in but my business
knowledge was seriously the missing link. I had to leave the comfort of home and
went to London, giving up my great life and stuck in a city without an ocean or
snow. I felt like a complete loser. I had to do a job that was nothing that I wanted
to do. There were very little beautiful pictures and my creativity took a big dive. I
wanted to get back on my feet and I was ready to fight for it.
One good thing is that I kept on filming and in the process I met Philip Darley, a
BBC camera man, little bit in the same position as myself. We had two things in
common; we were both capturing beautiful pictures on film and believe it of not,
he was also a waveskier. So suddenly there was plenty of motivation. We did
some great work together in the corporate city of London, but the nature was
calling me. The longing for adrenalin was too great. So in an act of… I cannot
handle this city any more; I left, to the mountains, The Alps. The snow.
This winter it will be two years since I left the city of London. So much has
happened. I knew that I was destined for greater things and to do what I love
most. There on the European continent I met my dream wife and today we are
living in one of the most beautiful places in the world. Life is expensive, very
expensive, but I learned how to charge international prices for my films. My
website www.subgraviti.com is selling movies as we speak and I am sitting in
Mexico in a dodgy little Internet shop. I am living my biggest dream. Traveling
around the world with the best waveski surfers in the world, while I am working
on the next movie. After filming I paddle out myself for a few waves and best of
all getting paid for it. Only to travel back to the Alps to start the editing process
with 6 months of snowboarding ahead of me. I can go riding every day if I want
to, but I prefer just going on the best powder days.
Hannes Dreyer came at a very important time of my life. A time where I started
thinking on how it would be possible to do more for waveski. I would like to make
some money available for the top riders to win at competitions. Something that

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has never really been done before and that I did not have when I was a top rider.
I have done more than most of my friends can ever dream of. I have pushed my
body to the ultimate and I was ready for a new challenge. I also want my wife to
have as much free time as myself for travel and snowboarding.
So today I am applying all of Hannes Dreyer’s methods in my own life. When I

am away on my film-shots in Peru or Mexico, surfing the planets most beautiful
waves I know that every Friday I have an appointment with the Professor. Not
always easy to print out the lessons in the little Internet shops all over the world.
But I get my printouts and this is my day-to-day inspiration. My will power to carry
on and make my biggest goals a reality.
All thanks to the Lord for creating the norm and making me not part of them. The
guidance for building the perfect me. Amen.
Xaver Walser for SGP Media.2005

Saturday, August 20, 2005 Xaver Walser
The real secret of success is enthusiasm

Walter Chrysler
Hannes
I have waited a while before I decided to write you my success story (Maybe I
should call it my success journey, because it is not finished yet). Not so much
because I was waiting for the BIG deal, but because I find it difficult to put into
words, what this mentoring course as well as the Property Pro Workshop I
attended in January 2004 has meant to me thus far. Maybe the best way for me
to describe it is that if a picture is worth a 1000 words then your mentoring is
worth at least a 1000 pictures.
I am a town planner of profession and currently employed in a local government

organization for the last 10 years. I have always seen myself as ambitious and
therefore from the day I started working at my current employer decided that I
want to move up to the highest position possible in this organization. That was
until I made a few calculations with the assistance of a financial planner to see
what my financial situation would be should I stay at this organization and retire
at age 65. This gave me a shock. Over and above the aforementioned financial
shock I reached my upper limit and the chances are very slim that I will ever get
a promotion, mainly due to the political climate we are working in.
I am 35 years old and my wife and I only started with a family a little more than
two years ago. My son had his second birthday on 19 May 2005. I have made a
decision that if I don’t want my son (and if God will, any other children we may

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have) to end up where I am now, I will seriously have to do something to start
building a better future for him (them). I wish that I could have learned what you
are teaching now much earlier in my life. However, I thank God now for making
me uncomfortable in my circumstances because I now know that once you are
satisfied in your circumstances, your mind tends to switch off and you get lazy. I
believe its never too late to start something new and I can now ensure that there
is growth in my generation (my son) by teaching my children from now onwards
everything that I now learn about: financial planning, how to work with money,
how to be an entrepreneur, how to create your own opportunities, how to be
balanced in all aspects of your life, how to manage your time and all the other
wonderful things that I myself are now learning through your mentoring program
and other workshops. My children will have at least double of what I will end my
life with - and I am not only referring to money, but to everything in life i.e. their
relationship and purpose in Jesus Christ, their relationships with other people,
their health etc. Their children will again have double of what they have and in
this manner I have an INFINITE growth in my generations that will follow me, and
I think that this will make God also happy, because He gets the glory.
I have become an EXTREME OPTIMIST!! You have opened my mind to such an

extent that I know that nothing is impossible. Well maybe there is only one
impossible thing, and that is for the devil to get into heaven. Other than that
everything is possible. I have two properties. The first property I bought before I
did your Property Pro Workshop. Although I made a few mistakes I am still
enthusiastic and turned that property into a positive cashflow with what I have
learned so far from you. Although it’s not much yet, it is there. I bought the
second property at the end of 2004. I was renting myself when this property fell
into my lap. I bought it below its market value, had to clean it up a bit and moved
my wife’s business to the property. I have a positive cashflow from this property
and it also has the potential that I can create more space for another tenant
which can bring in more money.
In conclusion, I want to say that my vision is in place and is aligned with God’s
purpose for my life. I recently obtained a CD with a message from a guy named
Pastor Casey Treat. The CD is titled “Your vision is your future”. He also
indicates that “what you see is what you get”. If you see (your vision) good things
in your future you’ll get good things in your future, but if you see average or bad
things in your future, that is what you will get.
Hannes, thank you so far for what you have given me. Amongst other things, you
have taught me how to start implementing my vision. It is true that it is more
important to give than to receive. You have also made me think of what I am
giving to other people. This is an area in my life that I need to work on, but I have
started with this journey, and I am enjoying it everyday of my life.
Talk to you again
MARTIN JONKER
Tuesday, August 16, 2005 Martin Jonker

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Hi Hannes!
Let me share my success story with you! The most satisfying part of my present
journey is the sense of release from the rat race. This in itself is at times
euphoric! Although I can not yet leave my present job as a Periodontist I have
initiated the structuring of my portfolio so that in 10 years time my and my wife’s
investments will provide enough passive income so that we can retire and do as
we please if we so wish!
My father and grandfather both worked many years (30 Y) for large departments
/ corporations - my grandfather for customs at Cape Town harbor and my dad for
Sanlam. Myself and my brother were urged to study to become professionals so
that our future `would be secure`.
What do you know when you are young? We are never schooled in the finances
of life. While I was studying I never gave my future financial wellbeing a thought.
My first job as a dentist was in Gobabis (200km east of Windhoek) - What a
culture shock for a recently graduated 23 - year old from Cape Town! However, it
did not take long before a couple of predatory mutual fund salesmen came a -
knocking and sold me my first PPS shares and life cover, etc.
After 6 years in Namibia I went to specialize in Periodontics at the US. Four

years later I completed my studies and I set up practice in Bellville. Starting with
basically nothing.
In 2000 I was flying back from a congress in America and grabbed a copy of
`Rich Dad, Poor Dad` to read on the plane. What I read in the next 10 hours had
an instant and profound affect on me and my outlook on the world around me. I
proceeded to read of his other books and started to make changes to my life
accordingly.
The following basics have guided my journey so far:
1. I have made effort to explain to my wife, Mariaan, how things work in the
world of money and how our approach should change.
2. They apply to my everyday life and to my retirement.
3. Being constantly on the look out for opportunities of passive income.
4. Moved my business to my home with considerable savings in overheads.

In March of 2002 I had a stand placed in one of the major arteries of my heart
- At 36 y old this was a shock and served to accelerate my efforts in pursuit of
early retirement with enough passive income flow to support Mariaan and

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myself and which would serve my daughter (6y) in the future. This further
strengthened my resolve to stay out of decisions which would have a negative
impact on my financial planning, such as moving into a bigger house with
many extra costs - to impress who? Stories also abound in the medical
professions of 65 y old doctors who can’t afford to retire! Such stories are hair
- raising!
5. Myself and three other like-minded people started an investment club to

primarily deal in property.
6. I have allowed my entrepreneurial spirit time to grow some ideas and from
these processes have started two projects.
7. I have purchased a few properties to rent long -term and have bought one
to `flip` for capital gain.
8. I have got all my taxes sorted out.
9. I started a family trust to conduct business through so that I am not busy

with ` boedel bou`.
10. I have relinquished most endowment policies in favour of other wealth

creation vehicles.
About one year after the formation of our investment club I finally gave into the
lure of your ad in a local newspaper ad attended one of your seminars. We were
very impressed and immediately realize that there was a more thorough way of
approaching property investment. We sent one of our members to the full day
seminar and are getting feedback in three days time.
The remodeled approach to my life has made it a pleasure to get up in the

morning and go to work. I have set a date for me retirement in 10 years time (the
day before my fiftieth birthday) but I am also going to enjoy the journey with
family and friends!
Kind regards,
Paul Botha
Tuesday, August 16, 2005 Paul Botha
Success should not be about comparing ourselves to others, but rather about the
challenges and changes that we need to internalise firstly, and then secondly
apply.
My successes have come about in two ways:

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1 PERSONALLY: Earlier this year my wife and I decided to apply what we’ve
learned from attending Hannes Dreyer’s courses. It meant taking bold steps but
we did it. We paid off our debt and soon after bought our first and more recently,
our second investment property. Our goal was to have two properties by the end
of 2005 - it looks like we will end with five!
Having followed the mentor program, I have learned more about myself and have
the confidence to apply what I learned to the benefit of myself, my spouse and
more importantly my community. I CAN achieve my goals and now know I WILL
achieve financial freedom.
2 PROFESSIONALLY: I’m a certified Financial Planner licensee, and have been

in the industry for nine years. Having attended more than one of Hannes`
courses has changed my thinking on financial planning completely. Again it was
to get out of and shrug off "old thinking" and take on the new. A huge internal
process after nine years!
I put this "new" thinking into practice recently, with one of our clients. Mr "X" saw
us after having purchased a property with a bond of R800 000 at prime less 2%.
We decided to put these new found skills into practice. It’s amazing what you can
achieve when you start to think "outside the box."
In these specific cases we had a skeptical client. With some clever thinking we
managed to get him his new property of R800 000 without him spending one
additional cent from his current monthly budget. In addition we slashed his
monthly insurance premiums spend by over R5000 but INCREASED his current
life cover!
Now this is how Financial Planners should be going about wealth creation!
Needless to say our client believes we are heaven sent. All I really did was apply
some basic principles taught by Hannes.
When you look at the above, they are comparatively small successes, but as the
saying goes "Do not despise the small beginnings." There will definitely be more
to come!
Regards
Ian van Greunen CFP™

Friday, August 12, 2005 Ian Van Greunen
Winning is not everything, but wanting to win is.

Vince Lombardi

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2003 was ek werkloos en het nie geweet hoe ek brood op die tafel gaan sit nie.
Ek het gekies om nie weer as ingenieur te werk nie, want dit sou my beperk in
die mate wat ek tyd met my gesin kan spandeer.(Gebalanseerd) In hierdie tyd
het ek my eerste en seker grootste sukses behaal. Ek het geleer ware geluk kom
van binne, maak nie saak wat my omstandighede is nie. Sekerlik my grootste
sukses.
Sedert my werkloos dae in 2003 het ek en ‘n vriend, deur groot genade, dit
reggekry om vriende en familie te help om meer as 25 kontantvloeipositiewe
eiendomme te koop. In die proses het ek my finansiële posisie so verbeter dat ek
twee kontantvloeipositiewe huise van my eie kon aanskaf. Ek sou meer kon koop
maar wou myself nie oorlaai met risiko nie. Ek het daarom ‘n ander plan gemaak
en ‘n paar eiendomme saam met ‘n paar familielede in ‘n familietrust gekoop en
so my risiko gedeeltelik afgedek.
In die proses het ek op ‘n baie goeie kommersiële eiendom afgekom, ons het ‘n
100% lening oor 8jaar gekry. Nieteenstaande die kort afbetaalperiode is die
eiendom steeds kontantvloeipositief. Die eiendom is in ‘n trust gekoop sonder om
iets in te betaal en sonder dat ek enige borg moes teken. My deel van die
inkomste uit die eiendom is groter as my huidige salaris.
Julie 2004 het ek en twee vennote begin met ‘n nuwe besigheid. Enigste koste
was my persoonlike uitgawes aan telefoon en brandstof vir een maand. Die
besigheid het gegroei tot ‘n pragtige grootte met ‘n baie gesonde kontantvloei.
Dit is my storie. Ek moet erken dat ek die sukses nie aan myself kan toeskryf nie.
Dit is nie my wenresep of stelsel wat dit laat gebeur het nie – ek glo dit was net
genade van Bo.
Die eningste ding wat ek wel aan myself kan toeskryf is die gewilligheid om te
leer by ouens soos jy en my gewilligheid om te doen.
Nou sien ek uit na die uitdagings wat voorlê!!
Groetnis
Hannes Oosthuizen
Monday, August 08, 2005 Hannes Oosthuizen
Ons sukses storie begin in Maart 2004. Ons het daaraan gedink om `n ekstra
eiendom te koop vir `n belegging, maar het nie werklik geweet waar om te begin.
My Pa het vir ons Hannes se advertensie in die Rapport gewys en ons het besluit
om een van die seminare by te woon. Ons het intussen begin om na verskillende

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eiendomme te kyk en het byna die eerste koop gedoen voordat ons die seminaar
bygewoon het.
Ons het die seminaar en daarna die werkswinkel bygewoon. Ons het ongelooflik
baie geleer en begin voel ons het `n baie beter idee waarna om te kyk en hoe die
som moet lyk wat ons moet doen om te verseker dat dit wel `n belegging gaan
wees. Indien ons die eiendom gekoop het wat ons na gekyk het voor ons die
seminaar gedoen het, sou ons beslis `n duur les geleer het, want DIE SOM het
nie uitgewerk nie!
Die eerste eiendom wat ons toe wel gekoop het was in 2 opsigte `n verniet
eiedom. Dit bestaan uit 2 huise op een erf wat ons gekry het vir die prys van een
huis want die tweede huis het heelwat aandag nodig gehad. Die eerste huis kon
ons onmiddelik (net eers geverf) uitverhuur en die huurinkomste hieruit het ons
maandelikse paaiement en betalings gedek. Ons het die tweede huis herstel en
begin met die proses om die eiendom onder te verdeel. Ons is tans besig om die
tweede huis te verkoop teen meer as wat ons vir beide huise betaal het. Die
herstelwerk het ons self gedoen en daarom het dit ons heelwat minder gekos as
wat `n boukontrakteur sou vra en gaan ons die grootste gedeelte van die
verband op die eiendom kan aflos of die wins kan gebruik om `n verdere
belegging te doen.
Ons het ook 3 ander eiendomme gekoop. Die een het ons uitverhuur soos dit is.
By die ander 2 kon ons die huise verdeel in twee drieslaapkamer eenhede elk en
sodoende het ons 4 eenhede om uit te verhuur.
Lesse geleer:
1. Klim uit "die boks" en stel jouself daarop in om buite "die boks" te dink en
doen.
2. Doen DIE SOM!!!
3. Pas Hannes se tegnieke toe en maak `n sukses!
Baie, baie dankie Hannes en Tanja vir alles wat ons by jul leer van beleggings en
dat julle by mekaar staan en mekaar ondersteun. Dit het ons ongelooflik baie
gehelp en ons groei geweldig baie as mense en ook finansieel. Ons geniet dit
wat ons mee besig is ook geweldig baie. Ons seuns is nog klein, maar ons
probeer om hulle sommer al klaar die beginsels te leer sodat hulle ook `n sukses
van die lewe kan maak en dit geniet.
Groete
Neil en Marlene Scheepers
Thursday, August 04, 2005 Marlene Scheepers

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Where do you start writing a success story, if the only thing you think of is you’re
past failures? It numbs the mind and feeds the fire of fear, and then you stop
living, procrastinate and accept your fate.
You pray daily for an outcome, an opportunity and ones it shows itself, you’re too
blind to recognize it and so life passes you daily. I am 37 years of age and an
agriculturist by trade, and that is how I use to feel daily.
Two months ago I saw an advertisement in the paper," Property School- Free
Seminar-Cape Town". Needless to say I attended and got one hell of a rude
awakening. In front of me stood a self made man (he has discipline), who is
prepared to teach me his secrets (he is not selfish), who want to see everybody
succeed financially, mentally and physically (he truly cares) and most of all he is
genuine. Why will I not invest in somebody like that to teach me his secrets?
I know for a fact that what he consist of will rub of on me, it is unavoidable. I am
on the mentor course and only in my second week, and I already can see that
the rich have a different language, that I need tons of education, discipline,
commitment and perseverance to be successful.
I have not made that "million dollar" deal YET, but my eyes have opened to my
existing successes.
1) I have taken that first important step, that leap of faith to success by
committing myself to improvement.
2) I have committed myself to a greater life of abundance.
3) I am married for ten years to a beautiful and supportive wife.
4) I am blessed with a beautiful Four-year-old daughter.
5) I have purpose.
6) I am free.
7) I have a choice.
These successes cannot be bought with money and I am convinced that my

foundation has been laid in concrete and my commitment for improving daily and
becoming richer by the day is engraved in stone.
Thank you Hannes and your team for giving me the opportunity to live a life of
abundance. Now I know what David Mc Nully meant when he said, “Even Eagles
need a push".
Carpe Diem
Monday, August 01, 2005 Darryl Laing
Dear Hannes

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Thank you for the opportunity that you have given to all your students. I am an
accountant and a certified financial Planner. I attended a workshop at
Montecasino after seeing your advertisement in the Sunday Times. Once I
started seeing your presentation of IRR and other, I knew instantly that my
search for sound investment with minimal risk was over. In my accounting and
CFP studies I have always known about IRR, compound interest and all the other
wonderful financial terms. My problem had always been how to invest using IRR,
eliminating the risk and extending the asset base.
I attended property school in May and have yet to make any offers or big deals.
However I would like to share with you my various success stories.
I have since found a stable quick internet connection after waiting patiently for
one month with itchy fingers for my upgrade with Vodacom, however their 3G
signal did not work at my home. I approached someone else who did some
testing said the signal was strong enough came to install super duper internet
connectivity only to find that there was no signal. I approached I-burst who gave
me a 3G card with no stable connection, as I write this I have connectivity
through I-burst through a stable quick internet connection.
Problem solved, I now have the ability to work in an efficient manner.
I have approached an administrator who I have now sent on your property

course. She has contacts at various liquidators I now have a regular list of
properties (with motivated sellers) from various sources. I believe I have a
competitive advantage over your many students as I will have information before
most others. (I do plan to use all your web services as well)
I am in the process of using one of my secretaries at Liberty to set up meetings

with various liquidators to make offers on various properties, and have offered
her a new role in my new business interests.
I have arranged with an attorney who will handle all my transfers at reduced fees
and incentives to put all my asset purchases through her.
I have arranged with an estate agent (personal friend) who I have also sent to
your course who will offer their help and expertise in determining a true market
value for various assets. I have also received a database of estate agents whom
I plan to sell the Bond optimizer. I have used my vast database gained through
my role at Liberty to make as many people aware of the mentorship course.
I believe all the above to be success stories however I believe the most
successful to be this:
As a certified financial planner like you I am bound by a certain code of conduct
that in all instances I should offer best advice. I have never sold any assurance
product with "gatsak geld" at the top of my agenda. I have always done a full
Financial needs analysis and the due diligence that is required of a financial
planner, and have sold with my best intention and with the best knowledge that I
have had at the time, an RA being a favorite because of the effect of compound

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interest and various tax deductions based on their non retirement funding
income.
After attending the workshop I took 1 week off to reflect on how this new
knowledge should change my life, I want to accumulate mass wealth not to show
off but in order to enjoy the one life we are given to the fullest and to give freely
to others. I have always been charitable but money was sometimes a concern.
As an ex assurance salesman you will be aware that all agents have a two year
liability on any product that we sell. I had a HUGE dilemma! Do I tell all my clients
about this incredible opportunity, or do I leave out the persons on my database
that I have recently seen and sold an RA.I could not in good conscience go and
tell every new client that the best form of investment is an RA or investment
builder. However how do I earn for my time?? I believe that anyone who attends
your property workshop and obtains the software will immediately make any RA
paid up effecting my pocket, persistency, etc. I was about to write to you to ask
you what to do!
The solution came to me, I have registered as an affiliate, being a capitalist like
you I can no longer work in an industry where the target market does not value
my time or pay me for it, as well as the large assurance companies placing an
increased burden on their agents without them valuing our time or paying us for it
either. I have since sent mails to all people, clients and friends I know informing
them of the limitless opportunity that awaits them if they check out your website.
My thinking is this:
Life is about a choice. By sending all clients the mail below I have offered all of
them a choice either click or don’t, stick to the rat race or become free.
Life is about giving and Receiving. By sending this mail I am giving best advice
(In terms of the FAIS act) if you click you can make your own decision to follow or
lead or make your RA paid up. I will win in terms of my affiliate fee and best
advice, you will win and if the client acts they will win too, again the choice is
entirely up to them.
I have pledged to give a % of every one my affiliate fees to children’s charities or

social development projects. (All it is, is a reduced infinite IRR, if there is such a
thing)
Life is given in ABUNDANCE if someone takes this opportunity they will be

GIVING, RECEIVING, Enjoying in ABUNDANCE. However
Life is a choice, Make yours!!!
I therefore believe wholeheartedly that anyone who makes the RIGHT choice will
be in a Win, Win, Win situation to take control off their own life. Dilemma solved if
they make RA paid up I will have an affiliate fee, I am offering best advice in
terms of FAIS and creating wealth for them, if they delete as I assume many
people will do. I can then in good conscience say "did you check out the site, NO,

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okay well the best thing in your circumstances until you check out the website is
an RA of R...... per month."
Hannes and family I wish you all the success you deserve. I know my life will
always be fulfilled in everyway I dream. Look forward to meeting with you in
Mauritius.
Kind Regards
David Leslie
Friday, July 29, 2005 David Leslie
The ladder of success is never crowded at the top

Napoleon Hill.
Dear Hannes and the Wealth Creation Team
I would like to thank you for opening a whole new world for me at a time in my life
that I was searching for someone like you without consciously being aware of it.
For the past three years I’ve been in a career that I’ve been uncomfortable with
and not particularly enjoying, but if there is a bond to pay and the income from
the job is not too bad, you tend to suppress your negative feelings in the hope
that somehow the situation will improve.
I’ve constantly had the feeling that I am capable of so much more and my talents
could (and should) be utilized to a much greater extend that it was being used,
but did not know how to channel my energy. Where do you start? Where can you
get practical advice? I’ve been listening often to the American business
philosophers such as Jim Rohn, Zig Ziglar, Brian Tracy and the like and find
them extremely interesting, but the drawback being that they cover general
principles and do not give practical advice.
I’ve wanted to enter the property investment market as well, but once again,
where do you start and who do you ask? Fear was holding me back, because
even though I’m earning a decent salary, I cannot afford to make a mistake with
my property and be stuck with two bond repayments and a property I can’t get rid
of. So you end up doing nothing.
And that’s when I saw the advert in the newspaper. I was a bit skeptical at first
due to my two personal golden rules of investments (and life, for that matter)
1. There’s nothing like a free lunch, and
2. If something sounds too good to be true, it usually is.

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You’re advert was breaking both my rules but I decided to go and listen anyway.
I’ve attended timeshare promotions before and if I could walk out of there without
opening my wallet, I was sure I could do the same with you!
Fate nearly intervened again on the day of the meeting. A PTA meeting was on
that night at our kids’ school and my wife RSVP’d only to realize that she had
double booked herself and ordered me to go in her place instead. I was
disappointed that I would not get to hear what Hannes was going to say,
especially after booking six weeks beforehand, but also knew that it was
important to hear what was going on at school. During the course of the
afternoon a little voice inside my voice kept pestering me and I phoned my wife to
let her know that I decided not to go to the PTA meeting, because I felt it was
more important to hear Hannes out.
At his seminar I had a Eureka moment as I realized that Hannes was addressing
the needs and wants that I had inside of me for so long and some which I did not
even realized I had. It felt as if a light went on as it dawned on me that I have
been looking for this man bearing this message of hope and guidance for the
past two years.
At the end of the evening I was sufficiently convinced of his merits that I
purchased the Property Pro basic course and the copy I received was the last
one available that night! On a fatalistic level it really felt that I was meant to have
a copy that night so that I could start my new quest of knowledge in the car on
the way home already.
I’ve only been following the mentoring program for five weeks now and find it
extremely interesting. What I like the most about Hannes’ approach is that he is
not trying to sell quick fixes like a lot of other “mentors”, but rather shows you
how to do the mending so that you can effect the repairs yourself!
I will be attending the Property Pro workshop next month, and look forward to
learn more of his wisdom and to get the ball rolling of my own wealth creation
mission.
Thank you again, Hannes. I look forward to telling you all about my plans on the
plane to the Mauritius!
Regards
Francois Vivier
Wednesday, July 27, 2005 Francois Vivier
Dear Hannes,

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For many years I have experienced this burning desire to be my own boss. On a
regular basis have I come home with another “SCHEME”, on which my faint-
hearted wife had to cope with her husband the DREAMER. Needless to say
these schemes never realized, because of the lack of capital and guts (so I
thought) and therefore the risk involved was to big – What if I was part of the
80% that when bankrupt within a few days, months or years. I was scared to take
that first step, for some or other reason. I could not even apply your first rule:
Always invest in yourself before you invest in any business or investment, due to
a lack of knowledge.
Little did I know that 2004 was going to be my turning point!
It all changed in January 2004 when something in your newspaper ad tickled me

in such a way that made me attend your free seminar. I met you that day and
liked you from the first moment. Here was a man with great integrity and
charisma you rarely find in people. I came home so positive that I had to make
the booking for the Property Pro Workshop. I had to borrow the money and
convince my wife that this will be to our future benefit. R 4 400 is a lot of money
for an ordinary guy like me – cannot afford it.
The workshop was mind-blowing. It literally took me weeks to absorb all the
information and possibilities. My mind was a few gears up and was looking for
deals. People could not understand why I would pay so much for a one day
workshop.
2004 was a very difficult but exciting year.
1) I decided to take responsibility of my life; only you can make it better.

2) Myself and my wife were involved in two separate armed robberies, glad to be
alive,
3) and our first deal took 8 months to conclude (private deal with an 86 year old,
Non RSA Resident in Austria). The property already have an equity of around R
250 000.00 and delivers an infinite return.
This year we decided to startup a small business, so we bought a Jumping

Castle. We have taken a calculated risk in financing the Castle- the tenants are
financing it. We are receiving passive income of around R 500.00 a month. We
know it’s not that great, but the idea was to prove to ourselves that we can
indeed do it! All of the income is going back to the bond. We are in the process of
purchasing our 3rd property.
I am starting to get out of the box, but there is still a long road ahead. Hannes,
like you have said small steps at a time are what get you there. 18 Months ago I
would not have thought that we would own more than one property at once.
I am also experiencing personal growth within myself. I am much more focused. I

have taken control over our personal finances; setup a monthly budget,
something that was never done. It is amazing to actually see where the money

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goes and therefore made the necessary adjustments to settle all bad debts. I just
need to stay disciplined and focused. I have put together a plan on where I want
to be within 2 years and broken it down to smaller steps.
I joined your mentoring program 5 weeks ago. I think it is fabulous and cannot
wait for next week’s issue.
Hannes, do you know what is nice about the mentoring program – I no longer
feel alone anymore, there are other people just like me who are in the same boat,
and the best part is that we are having the greatest mentor in the world giving us
guidance to also be successful in future.
P.S. My wife is starting to see the bigger picture.
Greetings
Johan van der Merwe

Tuesday, July 26, 2005 Johan van der Merwe
Having read Hannes’s stories I realized, success is a relative thing. For me it

means first of all to know and understand yourself. Personally I discovered this
through consultations with a psychologist – they can do wonders to help you get
insight into your strengths and weaknesses and understanding what drives you
personally. Making “deposits” into my marriage, spouses, family and friends are
equally important to investing in real assets that will create passive income. The
dividends from immaterial things bring me just as much joy and maybe even
more than material things (money). It was only when I learnt making money does
not necessarily mean sacrificing time with my family, things started to fall in
place. As in life, where I regard failures and obstacles as rough rocks to cling on
to get to the top of the mountain, like a mountain climber, successes and failures
in finances are similarly treated.
We live in a fast changing world where outdated formulas simply do not work any
more. Hannes, you and your team augments technology and take us to places
we did not even know exist – without joining you in the helicopter! You possess a
rare talent of discovering and sharing invigorating ideas in a simple,
understandable way. Thank you for sharing it with us!
Maryke Herbst
Tuesday, July 26, 2005 Maryke Herbst

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Angela and I started working at a restaurant while we were still at school. We
knew what we wanted and started working towards it. We were fond of each
other and we knew that one day we will be getting married. We decided to get
our financial foundation in order. After metric I studied National Diploma
Marketing at Pretoria Technikon. While I was studying it was essential for me to
earn some extra money, as my parents were able to pay for my studies but could
not provide substantial spending money. I still worked as a waiter but my income
was insufficient and I was always seeking to buy and sell anything to earn a few
extra Rand. I obtained 3 Porsche tires free from a friend and advertised them in
the Junk Mail and easily sold them or R600, which was quite a lot of money for
me as a student 1993.
I recognized this to be a good business and sought tires everywhere while

continuing to work as a waiter, investing my money in tires. I completed my
studies in 1995 and continued to work at the restaurant while building my tire
business. The tire business grew rapidly running from my parents’ home. In 1996
there was a knock on the door and a town planner ordered me to cease trading
within two weeks I obtained premises at a very reasonable rent, but was required
to sign a three year contract. The passing traffic was the best thing for my
business which grew rapidly.At the age of 25 years I bought my first property in a
very busy street. I bought the property for R220, 000 and immediately applied for
business rights.
Angela and I got married in 2000 and we bought a house to live in for R365, 000
and sold it two years later for R520, 000. We then bought a house at an auction
for R705, 000, upgraded it and sold it for R2, 000,000. In 2002 we realized how
quickly the value of properties was growing and at the end of 2002 bought a
property in Boksburg North with two houses on the stand for R290, 000. These
houses were rented for R2000 and R3000 per month and were the best
investment we made at that time. I read every book I could about investments
and then read in the newspaper about a seminar presented by Hannes Dreyer
and attended the course in January 2004 to improve my knowledge. I then
realized that the best investment I have ever made was the money invested in
the course.
In 2004 we bought 14 properties. I am 31 years of age and have 30 tenants, 19

properties, some bought for free and others with small deposits most of them
with a “twist” as Hannes has taught us. We have built a very good passive
income stream with what we have learned from Hannes. I have a tire business
running from my own premises and am a sleeping partner with the majority
shares in a micro-loan business. We have started a Laser hair removal business
for Angela in 2003 and it is going well. I have since enrolled in the Mentor course
and can’t wait for Fridays to learn something new. Thank you for a life changing
opportunity.
Kind regards
CHARLES FULLER
Monday, July 25, 2005 Charles Fuller

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Dear Hannes
I’ve started so many times writing my “success story” just to throw it away, as it
just did not feel like “the” success story I want.
I wanted to tell you about the online businesses I’m setting up, how I created
money to pay for my Mentor Program, then used it as part of a share I bought in
a property where we can already make a 200% profit before we actually have it
on our name, but also that did not feel as if this is the story I want to share.
Suddenly it struck me, the fact that everything I see, experience and new places I
visit, I try and see if I can find a business opportunity, instead of feeling miserable
and sorry for myself because I’m away from home again, that is my “success
story”
My way of thinking is “out of the box”
I don’t think like an employee anymore, although I’m still in the formal work
sector. This however will change as I’m well set and moving to my financial
freedom number.
With your Mentor Course, I could define my “end destination” the one thing that
make all my goal settings, a reality. I could determine my motivation, the drive for
my goals. The vehicle to reach my end destination will follow, as I get more
matured in the way of thinking as an entrepreneur
Thanks Hannes, you came over my path when I just did not know how, although I
knew that employment was not the way I want to go anymore.
Robert Kiyosaki from “ Rich dad Poor dad” showed me that passive income is the
name of the game, and I’m grateful I’ve read his books, but it left me with a big
question “HOW”
Thanks again,
Kobus
Sunday, July 24, 2005 Kobus Portwig
Hi Everybody
This story is perhaps slightly different to most in that I cannot accuse Hannes of

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being my catalyst for starting my interest in property – that honour belongs to
Robert Kiyosaki (Rich Dad, Poor Dad). But Hannes is much more applicable to
South Africa and also much more practical.
I was given a copy of Rich Dad Poor Dad for my 40th birthday back in September
2000. Wow did it open my eyes – I realised that my high paying job in the Middle
East was really just an excuse to buy gadgets, but in truth we had nothing to
show for or three years earning tax free dollars. My engineering degree and MBA
had got me into a highly paid life of extensive travel, being away from my family
and doing work I disliked for a company I distrusted. Great huh! NOT!
This prompted a rethink on what we were doing and when we returned to South
Africa in December 2000 on holiday we looked for a property to buy. Not being
experienced and on the premise of “a fool and his money are soon parted” we
signed an over priced deal to buy a company that owned a block of 12 flats in
Vereeniging. The banks required 30% deposit. The only way I could raise this
was to get a new loan on my “fully paid for” townhouse and scrounging the
remaining 70% from all other sources. We had bought ourselves a bag of
problems – the block was prone to crime as it was the least secure in the area, it
needed repainting, the maintenance was much higher than under the previous
owner as they had simply not done it – pays to do your home work properly. After
investing another R100000 in upgrading, maintenance and security I was cursing
myself and Robert Kiyosaki, yet that was the seed and by looking at what we
were doing we decided to invest in more property – buying 4 more townhouses in
CCs over the next year.
The CC seemed like a good idea at the time because of not paying transfer
duties with the whole transfer process being much quicker. Pity that I did not
know of the impending changes in legislation as we now I have 4 CCs that we do
not require that will cost money to wind down. Still we do have the underlying
properties and they have all been very good for us.
In the meantime we had transferred the running of the flats to a different Estate
Agent which immediately cut down on the maintenance costs. It became evident
that we had been ripped off by the maintenance clerk of the previous managing
agent as the main contractor doing the repairs was her boyfriend. Nothing that
we could prove except to take heed of “Ver van jou Goedere, naby aan jou
skade”. This together with time, improved condition and better management
enabled us to turn the flats from cash negative to cash positive. All this was not a
real problem until Feb 2003 when George W Bush did his thing. The insurance
company of the American multi-national for which I worked would no longer
insure western exports in Saudi and Bahrain and I was retrenched! No problem
an Engineer with an MBA, multinational experience would get a job no problem –
well I soon found out that I was simply too… Too White, Too male, Too over
qualified (read expensive) Too little South African experience, Too much
experience, Too old, Too young, Too far away from Johannesburg (we settled
back in the Vaal Triangle), Too this, too that. Ouch, we were forced to live off our
income from the property. In the meantime I resorted to consultancy to

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supplement the income. I even took a contract in Sudan for seven months. This
is not what I want to do – I hate being away from my family, and I no longer have
the passion for engineering that I had when I was younger.
In the meantime we looked for other properties buying two more townhouses
directly from the developer using the company as the medium. I realised
immediately that these were cash negative, but the deals were very good. We
looked into the area a bit closer and realised that Sasol was undertaking some
major expansion and that there appeared to be a shortage of high class
furnished accommodation in the area – this led to the idea of furnished
apartments targeting very specific large contractors – this has been great for us
and after spending R60000 to furnish the units we have recovered our initial
outlay and make a healthy profit each month. We are now in a stage that when
the Sasol expansion project finishes these two townhouses will be cash positive
even in an unfurnished state. Great. It inspired us to do the same with two more
townhouses in a new complex that finished construction last year – problem –
there is no longer the same level of demand and we could let out only one
furnished – the other townhouse makes a loss. Not great! Net monthly cash flow
– break even.
We saw an opportunity to do “the books” for one of the Townhouse complexes

where we have property and this has developed into a small business for us. We
have also taken over the management of all our townhouses directly saving us
a10% of the rental and allowing us to actively manage our properties. So far so
good! Then, spotting a “good deal” we bought 3 more townhouses – but these
are all cash negative - not a good deal if cash flow is your blood. Also I was
starting to worry about interest rates rising. I knew that I was doing something
wrong – but what? I was following Rich Dad Poor Dad principles (or so I thought),
but things were still not right.
However there have been other stories – we purchased some land with the eye
of consolidating and developing 12 small townhouses, but in truth we do not have
the experience or cash to develop – so following the first law of invest in oneself
first we signed a deal with a developer whereby we sell him the rezoned land and
will get a fully completed townhouse out of the deal. I have made extensive notes
on the complete deal, seeing what he does and how he has financed it. PS the
entire 11 other townhouses sold in 4 days. He too has employed great risk
management strategies – another mentor in my life.
Then In February 2005 I saw an ad for one of Hannes Dreyer’s seminars. I was
alone in Cape Town on a consulting assignment so I decided to take a look – it
was a way to pass another night away from the family – I had nothing to lose.
Well – what excellent time spent – I now realised that I was on the right track, but
I needed refinement. It was to be four months before we eventually attended the
Property Pro workshop as I had to drag my wife kicking and screaming as she
thought it was a waste for both of us to attend as she needed the time for running
the property and it was expensive for both of us to go. My motivation was
different – my wife and I needed to be exposed to different thinking and Hannes

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was just the guy to do so. The Mercedes principle has been my missing link. The
workshop has inspired me to look at a completely different deal where I am trying
to buy another small block of flats in Vereeniging using my primary residence as
the source of funding but structuring the twists to ensure that the block is
effectively free.
Well we attended the workshop in late June and both of us realised the many
mistakes we made – this has inspired me to take the Trust workshop on the 26th
June and to start the Mentoring course. I am on week 4 and so far I have seen
two different business opportunities at little or no cost to myself – the income will
not be great, but the learning is immense and that is what it is all about. I need to
replicate the system for my own products – watch this space! I have also seen
the third business Hannes has created with the information he sells on pre-
judgment properties – what a great idea – now how can I replicate these
businesses?
Hannes has inspired me to focus on my passion – which is teaching and helping

others – so I know what business I must create and how to market it. I still have
some consulting contracts to complete and will only be able to start full time at
the end of this year. The principle of tithing also makes sense as this really opens
the mind to the abundant universe. My goal in this aspect is to be able to fund
Habitat.org to build 100 houses over the next five years for people who can not
otherwise afford their own.
In summary – my success story has been discovered by accident but has

enabled me to see my passion, realise where my mistakes are and open doors
that I had forgotten about. The Mercedes principle is the risk management
approach I was missing and the approach to governing your rate of growth is
applicable not only to property but just about every business you can think of. It
has inspired me to realise that I will need to slow down the rate of property
acquisition, manage my cash flow better and build a sustainable property holding
organisation that relies on more than time and inflation to keep it out of trouble.
Part of my ambition is to teach people how to make a success of their entire life -
and to this end I have created my own "Circle of Life" audit on a spreadsheet that
I give freely to anyone interested. It has helped me focus on areas where I need
to invest in myself. All you have to do is email me on charlesb@roundlife.com to
get a free copy
I still have an enormous amount of work to do but now have the fuel to drive my
ambition, the expertise from which to learn and the desire to make it happen. Go
Hannes Go!
Sunday, July 24, 2005 Charles Barnard

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Dear Hannes
Just briefly, before I share my changes and successes, I would like to illustrate
why I started attending your courses and enrolled in your mentor program:
In 2002 my father (49y) was diagnosed with esophageal cancer. He

subsequently, despite all surgical and medical interventions, passed away in
2003 due to the aggressive and progressed cancer. It was the most terrifying
time our family had ever experienced. Fortunately my father was a fantastic
person and we managed to spend his last months of suffering and pain without
negativity, bitterness or anger. He lived his live to its fullest and although it was a
terrible fate he had had inner peace.
Over generations our family build up a paradise (inc. a beautiful residence with a
great garden) providing us with a very privileged unique lifestyle. In the last
months before my father’s death we analyzed the viability of our complex setup.
We looked at alternatives - down grading, suitable changes etc. The estate
requires a lot a constant input and hard work; it costs a fortune but it has
incredible potentials. ‘Safe/ Easy’ alternatives meant losing what had been built
up over many years and I didn’t feel comfortable with that at all. So we decided to
challenge the situation full blast – it had direct implications on my future life
options but it is definitely worth it.
I decided that I had to invest in myself first, as I was studying medicine (4th year)
and had elementary financial knowledge. I consulted banks, financial planners,
brokers, friends in the financial and investment industry etc. etc. I was frequently
approached by clever advisors with fancy plans to invest the money that had paid
out after my father’s death. I soon realized an irritating commonality:
1. the advisors usually had products/ ideas with mediocre growth, uncertain risks
which could not be explained our defined clearly.
2. They usually hadn’t invested in the products themselves.
3. The commissions and fees weren’t always obvious, but still most important to
them.
4. None of them was financially independent.
I had a very conservative approach and knew I had to know more myself instead
of distributing the responsibility.
Then I saw one of your workshop’s adds I was immediately interested. At the free
seminar I was instantly impressed with your confidence and passion, no
nonsense attitude, the discretion towards negativity, your oratory skills and
especially your concept of richness – the life of abundance in a balanced
spectrum, not purely financially.
Since my first workshop it has been 2 years and the following changes are
partially or totally attributable to your influences:

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1.Cycads:
I liked your analogy with the palm trees and cycads to illustrate growth. In our
garden we had many cycads that had become ‘uncultivated’ and at that stage I
did not know much about them anyway. Today, I have a small private nursery
with cycads of an estimated worth of R 70000.00. All the larger one’s were left in
the garden – they look far more appealing than before; we use their seeds to
pollinate and expand the ‘nursery.’ All the work is done for free on a continual
basis by an experienced person as I could provide him with something that he
needed that cost me nothing. I know much more about the plants and our family
appreciates them more than ever.
2. Family:
My father’s death is a very challenging fate that our family has to deal with. My
mother was widowed at a young age; my two younger brothers were still in
school. The experience strengthened our relationships but it was not easy. Many
things changed. However, since then we have set out clear family and personal
goals (similar to the way that you put out a structure in the mentor course). My
mother is doing much better (-enjoying life again), my brothers are excelling in
the performances (academic, sport, studies etc.), I finished my studies in
medicine, after having had to stop for 6 months after my fathers death (- to ‘take
over’ the necessary responsibilities). We have committed ourselves to other big
challenges and are improving constantly as we progress.
3. Financially:
We created passive income streams. All the existing problems with our tenants
and problematic tenants were sorted out. Structures to manage the setup were
improved and a far greater insight into growth, profitability etc. was established.
I am forever working on our budget – but you can image that working out a
budget for your mother is a delicate process…
It is still far from perfect but at least it is constantly improving.
My general goal here is to transform our setup that it can easily carry itself in the
future, regardless of it being surrealistic or not.
4. Relationship:
Most importantly with my girlfriend – the last two years were very stormy. She
supported me incredibly through my tough times - unfortunately I was unsure of
many things at that stage and did not treat her with the respect and love she
deserved. My ‘problems’ camouflaged her greatness and my actions were
subsequently often wrong and unnecessary. Regretfully she had a terrible
accident last year – breaking her femur in a freak incident, immediately changing

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her life as a professional athlete overnight! That accident was a turning point in
our relationship – since then everything changed overnight. We have always had
a very strong bond but it wasn’t easy. The collision put us in a totally different
class of relationship. Since then we have enjoyed every moment with total
confidence; we have set out our goals and changed our rocky relationship into a
truly wonderful one!
5. Personal:
During the period of uncertainty I resorted to some class 3 experiences. I

intermittently allowed my ‘class 3 experiences to run’ in an attempt to ‘lessen the
burden of responsibility’ or to encourage some spontaneity – it seems very silly at
this stage but it happened and it surely had enough negative repercussions. I
have cut the class 3 experiences out of my life, I’m back in a daily training
routine, I finished my medical studies with >70% avg., my relationships have
improved, my time management improved and clear personal goals were set out.
Conclusion:
Your courses and mentoring have had definite changing effects on my life and
our family dynamics – I haven’t made millions yet, but I am surely building a
basis to live a life of abundances – abundance in all aspects. Please keep up the
great work!
Thank you kindly,
Anton Moolman
Sunday, July 17, 2005 Anton Moolman
Dear Hannes
Am so grateful in finding an eye open, I have never believed in investing money I
have always made money and consumed then I had to wait to get a job make
money and spend and each time I had money in my account I would look for a
project to take risk in developing it with off course its completion
thanks teddy
Tuesday, July 12, 2005 Teddy Avolo
Hannes
Thank you for opening my eyes and realizing something is wrong in my life. With
the help of you’re mentoring I can change and make a success of my life.
I have not bought anything as yet but realize that I need to change the way I act
and think in life. I will be following the course very closely and start acting on
ways to change.

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Regards
Mark
Monday, July 11, 2005 Mark Webber
The first investment property I bought, gave me a great sense of achievement

and assurance that I was well on the right track towards changing my
circumstances, and an eventual success. I then looked for more, and set the
process of acquiring four, more, in motion.
Robert Kiyosaki assured me further (in Rich Dad Poor Dad) that property was
indeed one of the vehicles one could use for wealth creation. He also
recommended Seminars and workshops (for one’s own development). I did not
know what a seminar was (I even looked it up in the dictionary). But I also
thought why would I consider anything like that, since I did not need to become a
professional in Real Estate?
My curiosity about seminars and workshops lasted until I saw a small

advertisement of a free seminar in the news paper by Hannes Dreyer. I did not
Know Hannes; I then went into his website in preparation for the seminar. I
attended, and my experience of the seminar was shocking. To be frank, I got
very, very scared to realise that ignorance is like a terrible disease that also has
a deleterious effect. On that very day I made a decision to take the opportunity
that Hannes is capable of offering, to learn as much as I can from him. I have
attended his workshop- which I call the master course because it does not
compare with any other course I ever attended, well for myself anyway; I have
his software programs that are specially tailored; and I am on his mentorship
program.
If I had not come across that advertisement in the newspaper, I would have
saved/invested myself into a hole. My encounter with Hannes is helping me to
manage and reverse what would otherwise be suicide in the making.
Thank you Hannes

Tšeliso
Monday, July 11, 2005 Tseliso Mokeke
I have had a few milestones in life, just like every other human being has, I
suppose. I had a good career and enjoyed all the successes and did climb up the
corporate ladder.
I did get caught up on the false securities of a well paying job, and thought I was
it. I had read Robert Kiyosaki’s "Rich dad, Poor dad" and thought I understood

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the definition of passive income build up. Now I know that I understood very little,
if at all. I had begun reading S. Covey`s "The seven habits of highly effective
people". Now I know I had never internalized these concepts.
Then 3 years ago, disaster struck. I lost my job. Though I managed to be paid a
severance package, I was left devastated. I felt let down. I "parked", now I know
better, my package in an investment house, entrusting "the experts". Literally
handed it over to the experts. I learnt the hard way how little a million is, if you
intend to derive passive income from it. The money, interest earned, wasn’t
enough to keep the fires burning at home.
My struggle/ failure to adequately provide for the family led to frustrations and
deterioration in the relationships. It was tough. I felt "oh now that I don’t have
money, I deserve to be kicked out?”
I used to see the caption following other vehicles from behind without much
notice, "When days are dark, friends are few". I experienced it. Even those you
felt are so close to you tended to desert you when you are down. One of my
daughters had to be removed from a private school to one costing less. My self
esteem took a knock. I fell into depression. I felt worthless.
Then one day the lights began to come back. I remembered my library collection.
I began to read to understand and to apply. I took responsibility of my life and
more importantly my money. I took out all my money from the experts and bought
my first business. I used my work experience to set up control systems. Things
started to fall in place. I trained my manager and staff. The business took care of
putting food on the table and getting every one clothed and kids going to school. I
was able to generate a little surplus.
I began to look for ways to build assets that were going to help me receive
passive income in the future.
I knew then like I know now that I am worth more than this. I invested in myself in
many ways. I am an active investor in JSE, having done a course in same. I am
building my other business in network marketing in ICI.
At the time I already knew that only three classes of assets can make one
financially independent, property, business and shares.
My idea, strategy if you like then, was to start with shares, and then business and
property last. My biggest fear then, to decide on this route, was because I was
trapped in the doctrine that "one needs to build up capital first" in order to afford
their down payment for property. Now I know better, thanks to you Hannes. It
never occurred to me that it is possible that one "to make money one doesn’t
need money". I had heard and read about it but I guess I never believed it, so I
never internalized it. Now I do, and thanks again to you Hannes.
My connection to my mentor, Hannes, was through a friend. He saw the seminar

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advert in the Times one weekend. He and I belong to a small club of people who
want to make a difference in their lives and become rich. He said, "This one we
are attending". We went to the seminar and two or three weeks later we attended
the one day workshop. I don’t know about my friend, but as for me I have not
been the same since.
Immediately we came back from the workshop I helped the group to come out of
a bad property deal we were about to conclude.
I did not have the money to pay for both workshop and mentorship programme. I
was already on an exercise to cut down on my expenses and was close to zero
balance on my credit card. I had a thought crossing my mind. I started thinking of
all the gadgets I had bought using the credit card, and I was like, "this is one
course that will change my life forever". I charged it and you know what I have no
regrets.
I subscribed to the mentorship programme. I am learning a lot. One step at a

time. Thanks for the warning that I shouldn’t jump start the investments but to
take time to learn and master the trade first. I would have already started.
I am on week 4 on the mentorship programme now and boy, am I enjoying it.

Whew! This is great! The difference is that Hannes is a master in reality. He
doesn’t talk much theory but life itself. This is the first course I have enrolled in
and enjoying every moment. Always looking forward to Friday updates. I am
enjoying every moment of the ride.
I am still struggling with the wealth game though. I guess that is because I still
have a lot to learn, understand and internalize on property. You know what the
game is so real. I do get jitters each time I log into it. I will improve very shortly.
To me, the mere knowledge that I am getting better by the day, the knowledge
that I will be able to provide for my family in a better and more abundant way
tomorrow than today is the most gratifying aspect of the whole exercise.
I am enjoying learning how to keep a balance in my life.
I am improving in taking care of my physical body, and beginning to eat healthily

and started exercising.
I am building my relationships, socially, with those close to me.
I am constantly getting myself challenged, expanding my knowledge. Getting to

utilize and use more of my brain each day.
I am beginning to learn, know and to get closer to my creator.
You know what! My family is beginning to witness these changes!

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I am growing inside out. I am connecting with and influencing in a very positive
way a lot of my friends.
Words can not be enough to thank you Hannes. Keep up with your unselfishness
and continue sharing with us your experiences. I know I am talking on behalf of
many when I say, we appreciate it. I am learning and modeling myself around
you. God bless
Saturday, July 09, 2005 Arlindo Tembe
Trust yourself. Create the kind of self that you will be happy to live
with all your life. Make the most of yourself by fanning the tiny,
inner spark of possibility into flames of achievement
Foster C McClellan.
Hannes,
Greetings and thanks for all the incredible advice and motivation. Success is
sometimes very difficult to gauge because it varies from person to person. There
is already so much in life to be thankful for and in today’s time, just having a
happy together family today is a success. It is ironic though, that a lot of people
have lost the happy together family because of the pursuit to be successful.
Success is a balance between what we need and what we want. Yes, this differs
from person to person, but I firmly believe that you are teaching and showing us
that our successes must be planned and must not be at all costs.
I have never regarded myself as an "in the box thinker" but after attending the
seminar and the one day workshop, I realised that I was not as far out of the box
as I thought I was. After the first 6 weeks of the mentorship programme, I
became despondent because it seemed like I was still in the box. Your lessons
are incredible and I have become your number 1 fan. Not because I am hoping
you will make me a millionaire, but because you have highlighted areas of my life
that require a lot of work.
My wife and two sons now get to see a lot more of me because I have put some
of your lifestyle suggestions in place.
I have also benefited from the property investment information you give to us.
Without going into too many details, I have purchased 2 properties, each which
have an IRR of 242% in an area that has a capital growth rate of 45% per
annum. They both have sub-division possibilities which will further enhance the
value. This was the 2nd property I purchased since getting to know of Hannes
Dreyer. Hannes Dreyer has shown me that the 2 previous properties I purchased
were "bad buys" - but I have since made them better.
Hannes, I thank you greatly for making yourself available to help people like

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myself, and the many others who have invested in themselves by being part of
the mentorship programme.
My Friday’s are not the same anymore as I wait in anticipation for the update.
Thanks and God’s richest blessings to you and your family.

Mark Byrne
Thursday, July 07, 2005 Mark Byrne
In almost every weeks lesson I see the words "Invest in yourself". This phrase
has taken on an entirely new meaning to me.
My story is not entirely the same as all the rest . . . it does not involve great
wealth, hundreds of properties or any of the other phenomenal success stories
which I have read.
It is a story of my own personal journey and the motivation and the self
confidence which I have received.
A couple of years ago I started my "professional" career and in that process I

started picking up weight due to a number of factors, non less important than my
own excuses. I went from a lean 65kg to a paunchy 81 kg frame. I became
sluggish and constantly tired. Weekends were spent lying at home due to lack of
energy and motivation.
Since joining this mentoring program I have discovered the truth which lies in
"Investing in yourself". I have joined the gym, my weight has already dropped to
75 kg, my body fat index dropped and I have gotten out of the rut which filled my
every weekend.
My wife and I recently purchased our first property at the coast and plan to make
this the start of our future freedom. I have also started my own online store
www.AGCigars.co.za which has proven a success by bringing me income
without me working more that 30 minutes on it a week.
Thank you Hannes for being a mentor!!

Wednesday, July 06, 2005 Stephan Gilbert
Myself and my husband went to Hannes's workshop in Aug 2003.I was very
excited after the workshop, but things moved to slow for me. I thought I was
doing the sums wrong or my calculations to conservative. Frustration start setting
in. How could Hannes buy 46 properties in 6 months when I can't buy one? Then
I worked through the manual and realized I was looking for property while I
should be looking for motivated sellers.

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In Oct 2004 we bought our first property for R480 000, a house with a cottage
and an adjacent empty stand. We divided the house into two units and the overall
rent is R8200.00 per month, which gives us an infinite return. We busy building a
prefab house on the empty stand, which cost us an extra R50 000, and will
increase the rent with R4000.00 p/m for a total rent of R12 200 p/m.
The lesson learned is keep on reviewing the information that Hannes gave us
and be patient.
Tuesday, July 05, 2005 Ronel Burger
Hannes and Fellow Wealth Creators.

I have just finished watching the Advance Refresher course for the second time
now. Every time I have watched it, it inspires me to become better and better.
What have I learnt from Hannes? Let me quote a phrase "In any contest between
power and patience, bet on patience." - W. B. Prescott. That is why I now fully
believe in investing in yourself. I have attended your Property Pro advance
Refresher course and will soon attend your Trust course also. With all this
knowledge and the power on how to use it. I will become a very savvy
Investor/Entrepreneur. I now do not believe anybody who just blurts out facts or
figures on property. Why because I have to do the calculation and the necessary
homework before I know it is a good or bad deal. I am so glad that I read the
Sunday Times and saw your advert it has changed my life for ever and for better.
What I knew 5 years ago about property and what I know now after Hannes`
courses. I can NOW SAY I AM A PROPERTY INVESTOR. Thank you Hannes
for getting me to think out of that box.
Monday, July 04, 2005 Louis Teixeira
Hi Hannes,
We first met at your Pretoria workshop in February where I asked you about the
wisdom of making a bulk offer for PIP`s from the bank. Your brief answer to "do
the calculation and follow through" prompted me to act as such. My goal had
been to make a million by August this year from the sales proceeds and roll that
over into development property for my R10m goal next year October. Well, its
July now and following your advice I bought 7 properties from one bank at the
beginning of March, got bonds for all of them from another, rented them out to
service the bonds while looking for buyers for the properties and as I speak I’ve
sold 6 and expecting registration as well as my R1.2m at the end of August!!!
All I spent initially was on eviction costs for illegal occupiers and on security
which I recouped by processing the evictions as "attach and remove" so in
essence I paid nothing. Next I need to learn how to avoid or minimize tax on the
profit made.
Many thanks for galvanising me into action as indeed I believe most of the other

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attendees surely were and I’m looking forward to being on your mentorship
programme.
Regards,
Ndaba
Friday, July 01, 2005 Ndaba Kgaka
I have been working very long hours for some years now trying to make ends
meet. The harder I worked the more I earned, but it never seemed to be enough.
I had to find a way to earn passive income, but did not know what or how. I was
spending less and less time with the family and the things that really mattered in
life. I had not taken leave in 7 years! My life was spinning out of control!
I was given the book Rich dad, Poor dad to read about 12 months ago and this
started my new journey. Since then I have done several property courses and
have done a lot of reading on the subject. My wife joined me on your day
seminar. We are now on the same wave length and together working at new
goals for our lives.
For me this journey has been a paradigm shift and I am really enjoying it. We
have put a target in place to have a minimum of 10 properties in 5 years. To put
a family trust and a property trust in place and to work at more and better family
time.
In November last year I took the first leave in 7 years (11 days away from home).
I purchased my first two properties in a new development. (They have gone up in
value by more that R60 000 each and have not cost me a penny). My family trust
and property trust have just been registered (in the process of opening the bank
accounts – FICA making this rather painful!) As soon as the bank accounts have
been set up I will be making use of the NPO site to find sellers in need.
I have come a very long way in the last 12 months and am daily looking forward
to the journey I have started.
Thank you Hannes for sharing your success story, the mentor program is having
a major impact on my life, the foundation has and is being laid, and the road
ahead is exiting!
Friday, July 01, 2005 Thomas Kromker
Hi Hannes
Ek het die kursus verlede jaar saam met my ouers gedoen en ook intussen tyd
jou advanced kursus.
Ons het daarna die pad saam begin stap en aangesien ons almal saam by `n
besigheid betrokke is, is ek die een wat nou meer tyd aan die eiendomme

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bestee. Daar is nog `n lang pad en BAIE om te leer. Ek is nou 27 en dit wat jy
alreeds vir ons gewys het is van onskatbare waarde.Intussen het ons 2 huise in
Potch gekoop wat albei studente huise is asook `n woonstel wat homself totaal
en al van dag 1 af betaal het. Onlangs het ek deur van jou tegnieke gebruik te
maak ook `n huis vir my en my vrou aangeskaf waarvoor ek R100 000.00 minder
as markwaarde betaal het. Die moontlikhede is legio en dit is alles so opwindend
om daagliks nuwe tegnieke en begrippe te leer.
Dankie vir wat jy met ons almal deel so onbaatsugtig.
God se seen.
Jannie van der Merwe

Friday, July 01, 2005 Jannie Van Der Merwe
Hi, I am Flip Kotze, and my story is as follows:
I thought that I was one of the fortunate ones who was making a lot of money in
the IT industry (I thought it was a lot).
However, two years ago, I was dragged off by a friend to see the presentation of
Hannes Dreyer one evening. (he does not know how good a friend he really was
for doing so)
At the Presentation, Hannes showed us a number of possibilities, techniques,

and things to keep in mind when you invest in Property. At first I was sceptical,
but as the evening continued, I realised that this was no story, this was reality!
I started getting excited and the next day started searching for properties.
I did not have any extra money to pay for a property (I was spending it all on
living my "good" life) However, in the next few months I managed to find two
properties and being very careful, I managed to finance them through the bank
without any of them costing me any money. They are both returning enough to
pay for their own bond repayment as well as their Rates and taxes. (and I get
R500 a month in my pocket) During the past few months I have managed to save
enough to do the Full day course with Hannes.
This really blew my mind away. I have since changed our lifestyle, I have been
building a Flatlet in my backyard and I have been able to reduce the bond
repayment of my own house out of my own pocket to less than 50%!
I have applied Hannes` principles of the Mercedes Principle and also ensured
that my properties are at no risk for a 2 year period of very high interest rates!!
And then the inevitable happened! I was Retenched!

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If I had not payed attention to what Hannes was saying, I would have been
devastated at this time, However, Hannes has taught us to think out of the box
and I am currently working on a deal that will provide me with a residual income
that will be more than my salary was before and I am not going to spend any of
my own savings to do so.
Thank you Hannes, you saved our lives...
Please continue to help others as selflessly as you are doing, this is more I can
express gratitude for...
Friday, July 01, 2005 Flip Kotze
I am employed in the financial services industry since 1988. I consider my self

educated in tax, investment advice and the pension business. (So whoopee) I
know about money and the cost of delay. I have been educating clients about the
cost of delay for years.
Should one want to invest for retirement and delay that decision, the effect of the
end result is disastrous. It cost you dearly.
I want to bring that closer to the cost of delay in investing in your self. I have
delayed so many times to invest in my self. (Time is precious and you can never
ever catch up)
So here I am beating up my self, and have negative inner self talk asking
questions? Why have I not started earlier? Why do I delay? extra.
Now you would argue - what does that have to do with a success story.
My success story is I have started to invest in my self. I am the only person who
can make things happen for my self. It’s never too late.
Even Eagles need a push - to leave the nest.

Wednesday, June 29, 2005 Henry Simpson
Hello Hannes
I came across your "free seminar" ad sometime in February 2005 and looked
forward to this Tuesday evening so much I was literally counting the days.I
cannot be sure as to why I was so excited to attend at the time but in retrospect I
was looking for answers.
I am 56 years old, married second time round, and a frightened person for my
future as I have not put any plans for retirement into place.
After attending your free seminar, which I enjoyed thoroughly, I was undecided

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about attending the property school course or your mentoring program, but the
enthusiasim with which you presented your seminar I just felt sure that you had
gems of wisdom to impart and I am so glad I did.
I look forward each Friday to the next lesson to follow, I spend evevnings in the
week going over and over previous lessons trying to digest all the information.
The material is simple down to earth common sense but the there is an
underlying thread, of, I want to use the word goodness that makes just reading
the material a class 1 experience. You can feel that it is good for you!
The main thing that I have found the hardest to face is Taking Responsibilty for
yourself.This is the best piece of advise anyone can give another, and the words
are easily said, but the action is hard.
When you face the truth about all aspects of your life and you know you MUST
change and move out of ones comfort zone then the fun begins.
That is where I find you are helping so much as mentoring is not about telling
eveyone what to do , but giving the knowledge on how to do yourself.
I know and can feel I am changing slowly. I have started being more aware of
how to spend ones time productively, have a more enquiring mind to learn more
about investing in the property market, and all these positives have come from
attending a Hannes Dreyer seminar!
This sounds silly, but there are times when I wish you were my next door
neighbour and you & I could spend long hours talking about investing in property.
I know I would be your top student!
Enjoy your time in Mauritius , when you sow good seeds , you receive top
rewards.
Tuesday, June 28, 2005 Lindsey Dallas-Orr
SUKSESVERHAAL
‘n Groot ideaal in die lewens van my en my vrou was om ons kinders ‘n opleiding
te gee wat by hulle aanleg en vermoëns pas. Toe dit bereik is, het ons volgende
ideaal ontstaan, naamlik om rondom 60 finansiëel onafhanklik te wees. Daarmee
saam het die vraag ontstaan: “Waarmee hou jy jouself sinvol besig as jy dit
eenmaal bereik het?”. Hierdie vraag het al hoe dringender geword namate die
bereiking van die finansiële onafhanklikheid nader gekom het.
Langs die pad het ek begin belangstel in die belegging in eiendom. Nadat ek
reeds enkele eiendomme gekoop het, het Hannes se advertensie in die koerant
aanleiding gegee tot die bywoning van sy Property Pro kursus. Die kursus en sy

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rekenaarprogram het nuwe insigte gebring en die proses na finansiële
onafhanklikheid vergemaklik. Die bogenoemde vraag was egter steeds
onbeantwoord.
Toe die mentor kursus geadverteer word, het ek na baie wik en weeg besluit om
‘n maand of twee te probeer. Min het ek geweet watter nuwe wêrelde daardeur
vir my sou oopgaan. Tydens die tweede maand was ek reeds so beindruk, dat ek
die eenmalige fooi vir die res van die vyf jaar betaal het.
Een aspek, naamlik dat alles in die lewe nie net oor geld gaan nie, is vir my uiters
belangrik. Die absolute deurbraak was dan ook die verduideliking van die
Dynamic Lifestyle Management System en die Wheel of Life. Dit is werklik van
toepassing op elke mens op aarde. Die uitdaging wat Hannes aan homself gestel
het om minder as R1000 in vyf jaar na R10 miljoen te vermeerder was die
inspirasie vir my volgende doelwit.
My volgende doelwit is om ‘n trust vir liefdadigheid te skep, waarin ek

eiendomme koop (met so min as moontlik geld van myself), waarvan die
opbrengs vir liefdadigheid aangewend word. Dis mos ‘n uitdagende ideaal om
jouself sinvol besig te hou wanneer jy eenmaal finansiële selfstandigheid bereik
het!! Meetbare doelwitte vir hoeveel en wanneer wil ek stel wanneer ek enkele
maande verwyder is van finansiële onafhanklikheid.
Die definisie van ‘n avontuur is om met iets te begin, waarvan jy nie weet hoe dit
gaan afloop nie. Die mentor kursus van Hannes is beslis ‘n avontuur. Dis
prikkelend en uitdagend en laat jou telkens nuwe vergesigte sien. Buitendien is
dit baie goed vir jou finansiële en geestelike gesondheid. Dankie, Hannes, dat jy
bereid is om jou ervarig en wysheid met ons te deel!
Hans van Driel

Monday, June 27, 2005 Hans Van Driel
Hi Hannes
Although I have e-mailed you before (with long stories), this is the first time I’m
putting a story on the internet. The reason is that I DO want to share with people
what a wonderful contribution you are making to educating and helping anyone
who is willing to learn and invest in himself.
I have just finished reading Pieter van Koegelenberg’s story of 20/6/2005, where
he shares how doing the property course and mentoring program has even
helped him in his marriage, and his communication with his wife has so
drastically improved.
Well, I want to thank you for your mentoring program, because you are the only
one who “understands” me now and with whom I can communicate on the same

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level. My family and friends think I am crazy, or even downright stupid with the
things I am now involved in. I am not the “successful” one, because I do not have
a high paying job like they have. I don’t actually want one! I want to come to grips
with wealth creation through property investing and all the other skills you are
teaching us on this program, because I intend to get to the place of being a
millionaire within the next 5 years as well!
So that brings me back to Pieter van Koegelenberg – he has his wife to talk
things through with, but I was widowed in 1996 with 2 young children to raise and
a small inheritance to look after, but I did not know how! I was scared! Why?
Ignorance! “People perish for a lack of knowledge” (Applied knowledge!) I fell
again into the education trap, the handing over of my money to other people trap
etc, etc, etc – all because we are not EDUCATED properly when we are young,
and big business feeds on people’s ignorance and fear.
In my search to find a way out of that situation, I am so glad I finally found your
Property School and now I have you and Tanya and everybody on the mentoring
program, to “talk” to via the internet and e-mail! And even in person at
workshops!
I am so glad I found you and your team, because I was actually praying and
wishing that I could find a mentoring program locally, having found one in the
USA, but it was not really a practical situation for me. I wanted a good old South
African flavor. So as you have mentioned a few times, when your are searching
for answers, your brain and subconscious will eventually lead to find them!
(Actually, I believe God directs my steps!)
Meantime, it is so good to look forward to Fridays, when I can download the next
lesson to work on, to hold onto that “helping hand” to financial freedom and
success.
Monday, June 27, 2005 Angela Carlson
The average estimate themselves by what they do, the above

average by what they are
Johann Fredrich Von Schiller.
Osmosis
isn’t it amazing, it seems society does not teach the important things in life to
children or even really guide them or point them in the right direction. Every once
in a while when my kids were “shocked” that I knew something and wanted to
know how I knew, and I couldn’t explain, I’d simply say “I learned it by Osmosis!”
I remember having “guidance” or “youth preparedness” classes at school, which

were a complete waste of time. On the odd occasion when these classes were
not simply used as a free period (wasted time), there were the few occasions

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when the discussion revolved around “What do you want to be when you grow
up?” Mostly everybody wanted to be something that would be a high-paying job
or profession. Nothing was taught about entrepreneurship. I think that word could
definitely only have been invented recently! Perhaps our educators thought it
happens by OSMOSIS!
Nothing was taught about finances, goal setting, vision, mission, dreams,
freedom, wealth, investment, buying property etc. (This has changed somewhat
in recent years)
Hannes, thank you so much for teaching us these essential skills on your
mentoring program. You keep stressing that it is essential to have goals – to
keep them at hand at all times. One does not learn these things by OSMOSIS,
but by constant application.
There was only ever one occasion in my life (when I was still at school), where I
consciously set a goal I wanted to achieve - I wanted to make the provincial
squash team to compete in Rhodesia). I did it and was the number one player in
the team, having only started playing at the beginning of that year!
How sad that I didn’t cotton on to the formula, that whatever you want you can
have as long as you set yourself goals and follow an action plan AND STICK TO
IT!
The world is harsh and nobody will really ever help you. Each person must take
responsibility for their own lives, their actions and financial decisions. Thank you
for teaching us how. Thanks for helping us take the “risk” out of the situation by
taking “calculated risks”. Do the calculation – get the IRR.
It doesn’t happen by OSMOSIS!

Monday, June 27, 2005 Angela Carlson
My story does not have the "big deal’s success" but I know that I am a success. I
had last year made a major career change after twenty years in a field of work.
Where I struggled every month with financially desperation. I was one day asked
the question, if there was more to my life than what I’m living? A deeply troubling
question that got me thinking.
So I decided to act upon it and resigned. Took my meager pension and started
my own HR Consultancy. Working for oneself is different to receiving a
paycheck. I had also separated from my wife and instituted divorce proceedings
last year. Did not know how to turn my debt problems around, get my name "un-
blacklisted".
I chose 2 months ago to live a life that spoke of true blessing in life. I was going
to sow the seeds that spoke of the harvest I desired to achieve. I am at present
re-united with my wife - I had asked her to return. I am sorting out my debt

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problems to never again make bad debt. And even more importantly I’m on the
mentoring course to be mentored for greater success.
Everyday I wake up and am thankful to God for the blessing that I’m working for
myself even when my coffers are empty and there are no future clients. My
success has firstly started in my soul! And I love the taste.
I have no clue as to how I’m going to set in motion the purchasing of property
that everyone speaks of on the site. My biggest dream is to be wealthy to provide
my family with our own home, keep driving my old sentra so that I can purchase
my own aircraft and to then give my wealth away to missionary friends; who need
it more for Gods work.
My success is that I am beginning grow gardens in the desert. No deals yet, just
doing the impossible. So my success will take a bit longer as does the
impossible. Yet the taste is so strong it is as if it is just around the corner.
Reach for the real life that you were meant to live. May our success stories
continue to encourage each other?
Saturday, June 25, 2005 Colin Lee
Hallo Hannes
The story I submit today is actually a tribute to you as I can never in monetary
terms repay you and even if I could I do not think that this will have an effect on
you at all, however I think you deserve to know how your unselfish act of sharing
your success, you DLMS, and the path you walk daily with us, affects other
peoples lives. In the past I would not have shared this story, as it was always a
habit of mine not to share information about times in my life when things went
really bad. The fact that you shared your ‘failure” at university with us, made me
realise that the shame is not in falling, but in not getting up and taking
responsibility. In writing this and sharing my story, already gives me a positive
growing experience.
When I first saw your advertisement in the newspaper, I was in the process of
abandoning the dying horse. I normally do not buy the Sunday newspapers, but
that specific day I bought the paper to see what kind of jobs are currently
available in the corporate world. I have worked for fifteen years in the corporate
world and made many sacrifices in order to be able to leave my cosy well paying
job, move to the countryside and live my dream. What I did not bargain on was
that everything that I have built up in those years would be lost due to a natural
disaster within a few hours one day. After the disaster, while everybody was still
trying to come to terms with what has happened, as usual, we jumped up and
started rebuilding our lives. This time around nature was against us, however
hard we tried, we could not get the pristine property, farm and business to its
original condition. Where we had a racehorse in the past, the after-disaster horse
was very mediocre and soon I realised that we were sitting on a dying horse... By
the time I spotted the advertisement, we have decided to move back to the city

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and start working on our future again. Normally I would not respond to such an
advertisement as most of them are some or other get rich quick scheme, but
there was something that made me say, well let’s try this, we have nothing more
to loose!
Looking back now, I have to admit that we were on the brink of depression.
Although this is not something that anybody would associate with us, I guess
there is only so much that one person can deal with, and the odds were against
us for so long.
There are so many aspects of your teachings that I can relate to, and I love the
logic of it all. The one thing that made me jump for joy and change my life forever
is PASSIVE INCOME! Wow!! I never new it can be so simple … Passive Income
gave me a new lease on life.
Since the advertisement, I have successfully convinced all involved parties that
the horse is dying and to start over. I have applied as much as I could internalise
from all your teachings to work on a passive income for my future and that of my
family. I need to close just the last chapter in the burial of the dying horse and my
family and I will start aggressively pursuing my/our goals. The keyword and the
gate to our future will be the fact that we can earn passive income and buy
properties for free!! Thank you for sharing your knowledge, your DLMS and your
secrets with us. It takes a really special and gifted person to give so much to
strangers and to do it with so much passion!
Actively pursuing passive income whilst learning to work the process over and
over again. Thank you for giving us hope … God bless!
Ester Wiid
Saturday, June 25, 2005 Ester Wiid
Dear Hannes
I attended your introduction seminar to Property School earlier this year. After the
seminar I approached you and said that I will be one of your success stories.
Well, here goes:
Background:
I am 29 years of age. I studied a 3 year course in Winemaking at a College in
Stellenbosch after school and worked 4 years as a winemaker, mostly in France,
California and South Africa. I decided to further my studies in Winemaking at
Stellenbosch University (4 years fulltime). In my Second year at Varsity I tried to
start a wine export business. I lost a bit of money and it did not work. My second
business was in selling of export information to wine exporters. It really worked
well and I employed 4 of my fellow students to do all the research work. In my
final year I started a new business creating the unique service called,
Personalized Winemaking. I also sold a small property which I bought 3 years

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before with money I borrowed from my dad. I repaid him and kept a small profit. I
finished Varsity at the end of 2004 with one new plot that I bought for speculation
and a small business that did not provide a lot of income, hardly covering my
expenses. (Personalized Winemaking).
My story:
February 2005 a very good friend told me about Hannes Dreyer and the
Mentoring course. I was in the beginning of my career after varsity and wanted to
keep going with my own business, which is quite unusual for a winemaker who
doesn’t own a wine farm. I read through www.hannesdreyer.co.za and I
immediately signed up. I suddenly realized that I’m not out of my mind and there
is someone out there that shares the same passion. At the moment I am in Week
17 and applying my knowledge gained on an hourly basis day to day!!!!!!!!!!!!!!!! It
has also had a ripple effect, influencing and improving all areas of my life
(relationships, Christianity etc.) as well as the lives of my family, but more of that
later.
At that stage (February 2005) I was starting out with a friend in business. He
owned a 25% share in Personalized Winemaking (www.wineprojects.co.za) and
we both owned a business, let’s call it “SAIAB” in a partnership. I studied the first
week’s info and decided to start implementing what I learned. “SAIAB” took up so
much time and I had to organize a way to manage my time more effective and
start to create a passive income. But firstly I had to create an alternative plan, a
plan B. With the introduction to the direct response business and the way the
internet site was set up for Wealth Creation I applied it to my business and got an
Idea. I phoned Radds, and spoke to Jan Hendrik. They liked my idea and we
arranged a meeting in the Cape. I met Jan Hendrik in the Paarl and then I went
to Pretoria for a meeting with Corrie, Jan-Hendrik and Dries. They liked my idea
and it seemed that we would be able to do business. With a whole new side
evolving from Personalised Winemaking, I decided to manage my time better. I
was sitting with 2 huge problems. My time was not maximized by spending my
whole day at “SAIAB” and my partner and I did not see eye to eye. Doing your
mentoring course, gave me the idea to make my partner a proposal/offer that
would solve both my problems. I will give him all the authority to make decisions
in ““SAIAB”. He can be the Executive director of the company (including being
the public face which again takes up a lot of time) and I will take a position as
non executive director. In exchange for that I will share in the profits in the
company but not spent my time working for it and earning a salary and I asked
my 25% shares back in Personalised Winemaking. He agreed! Fantastic! I just
gained an extra 8 hours a day and have the possibility in receiving a passive
income from “SAIAB”. Again I was 100 % share holder in Personalised
Winemaking.
I then concentrated spending some of my profits to create a (PTY) Ltd and a

family trust. The trust owns 100% of the shares in my company. I am using the
company for all my startup ventures. When they are standing on their own 2 legs
I would put them in a separate entity.

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I had a bit of extra money sitting in a bank account not working for me. A Very
good Friend and I started an investment company. The company would
specialize in property investment in South Africa. I live in South Africa and it is
my area of expertise. I will look for good investments and we will in future finance
the investments with money from the (Pty) Ltd. This would have to be a long-term
investment and I started to look for the right property. I have not done my
property school and are booked for the Cape Town workshop on 10 June 2005.
The only 2 things Hannes told me up to that stage was Positive cash flow and
motivated sellers. A property developer needed money for his new development
to provide proof to the bank for his bond. We then bought a debenture on a 2
bedroom flat for a lot less than market value. When the flat are finished we would
receive a rental income more than what our bond repayments would be. Even
though we bought it cash and used our own money (I am sure I would have been
able to buy it with the banks money, but I don’t know how! And the bank does not
like what I am doing. According to them I have never had a permanent job, which
is the truth). I know now that by doing it this way is not necessarily the right way
to do it, but since I accept responsibility for my own actions I have no one to
blame but myself if I made a mistake. Anyhow our investment doubled in value in
less than 2 months, so my mistake can not be too bad? My family trust is the
shareholder of 50% of the company.
At that stage I started to negotiate for shares in “SAIAB Wine Company” and up
to now have not come to an agreement.
Negotiations went on between me and Radds. We already negotiated shares and

we were busy finalizing the contracts. Unfortunately because of reasons not
known to me they started to slowly lose interest in the venture. I on the other
hand also realized that I need to be in control of the whole venture. I tried to keep
control over the finances and tried hard not to get emotionally evolved in the
transaction. Up to this stage I do not know why Radds lost interest in the venture;
maybe we can try again at a later stage. I restrategized and decided that I can do
it quicker and more effectively by doing it myself and keeping the whole process
under my control. I tested the market and mentioned the service to some of my
existing clients. After I spoke to a friend doing his MBA in website usability, I
decided to keep working on the idea a bit longer to streamline things and to make
sure the market is ready for the service. I will however start to slowly implement
the concept before September 2005 (Goal setting). I would also try and run the
service over the telephone to earn some money and reinvest it into a website at a
later stage. Therefore keeping my financial risk = zero.
The above mentioned service only applied to the higher income group. I host
many wine tasting with my main goal to build a database of people who believe
that Pieter Walser is the man to phone when they need wine or wine related
information. To make better use of the opportunity I decided to create a product
that appeals to the lower income group as well. I also kept in mind to create a
product and service that will benefit and fit into the accelerator system. So I
developed a new product to cater for the remaining, but biggest part of the
market. I designed one for the masses. I called it "Blank bottle".

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(www.blankbottle.co.za) I borrowed a bit of money from my existing (Pty) Ltd. at
an interest rate of 10 %. I contacted everyone in my database and the product
was sold out in the first week of trading. I had an average success rate of 35%,
obviously showing me I am on to a killer. After repaying my loan to my company I
invested some of the profit into branding, packaging and registering a trade
name. I employed 2 marketers on commission base part time to market and I am
concentrating on direct consumer based marketing. You can not buy the product
in a shop, only from me. Therefore I create a database of people who believe in
me as their “WINE GUY”.I also employed a company to market my products and
services on a full time basis. I pay them a commission.
I am doing my property school on Friday 10 June 2005. One of my goals was to

speculate with one more property before I do my Property school. I have a very
well connected brother in law. We got a lead from an estate agent. I bought a plot
(only paid deposit) for under market value. It was from a guy who could not
provide proof of his bond. Therefore I believe a motivated seller. This is pure
speculation, so I bought it in my personal capacity. This one will be my last
speculation for now. From here on I will concentrate on long-term investments. At
the moment I am still renting, but by doing the numbers I worked out that I had
288% return on my investment in 6 months time. So, property wise I own 50% of
the investment company and 2 plots I bought for speculation.
My business goals are on my wall in front of my desk and I constantly read them
and focus on developing them one by one. I am also employing my first person
on the 4th of July and I will use her to optimize my time that I spent with
customers.
Other than business I surf 5 times a week and jog with my wife (she loves
jogging). I dedicate time to my God and started a Bible study group on Monday
nights with 7 of my friends. We get together and spent one hour to talk about
things that is important and about our relationship with God. I Love my wife more
and more and concentrate to set nice rewards when I reach certain goals with my
business. I decide on the goal and she decides on the reward. I am more fulfilled
as I direct my time and money towards my priorities, and it has a hugely positive
effect on my marriage. My wife also has her own business and one conversation
with her about passive income, right in the beginning when I started the course
led her to slowly change the direction of her business in order for her to have a
passive income when we decide to have children.
I started the course 17 weeks ago and 2 of my brothers joined after me. My one
brother lives in Switzerland and we have a meeting every morning over the
internet chat line “Skype”. For an hour we discuss “Hannes principles” and
implement what we have learned. My other brother changed his whole life after
week 1 and now is following his dream. He phones me twice a week and tells me
about another great idea he’s got. My youngest brother is still in school and will
be joining your course soon. Hannes, you will like his ideas!!!!
In doing the course and having a mutual interest, I have become best friends with
my brothers again and I know that all of us will one day be financially free to

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enjoy life and what it has to offer together.
I think this is about it for now. I will keep you updated. I hope I can inspire some
of you readers. Hannes, I really do not have to say much about you. As you can
see in my story I used bold and Italics in all the parts where I applied what you
taught me. Thanks! You are playing a huge role in my life and in my family’s.
Kind Regards
Pieter H. Walser
“why do you always try to blend in if you were made to stand out?”
Friday, June 24, 2005 Pieter Walser
THREE NON-BLIND MICE
I don’t yet have much to show outwardly for the Hannes Dreyer mentoring course
and the new approach to life that I’m adopting. But that’s okay, because its early
days (a few weeks) and I’m changing inside, and I have reason to believe that
the rest will follow. And I am hopeful - because of three mice in my kitchen.
Which sounds weird and completely off the point, but it’s not, and I’ll tell you why:
Yesterday I discovered (yuck!) THREE mice (none blind, unfortunately) in my

kitchen, living behind the stove. I’m not into poison, and my (useless) cats are not
into murder, unless its fun, which, on this occasion, they obviously thought it
wasn’t, being anywhere to be found.
So there we stood, my children, my maid and myself, armed with a broomstick, a

mop, a wildly overexcited Labrador and a shocking pink feather duster, trying to
get the mice out the door and back into the veld where they belong.
As I watched them dart around the kitchen faster than the eye could follow, I
realized that mice and people see a house very differently. For example, to mice
a warmer drawer is a nice roomy flat with free under floor heating. And a
fireplace is like a tent in the garden - a bit rough and rustic, but you can live
there, if you don’t mind going outside every now and then when things get a little
hot.
Not only did I see my house with new eyes, but I was sadly disillusioned with the
feebleness of human beings compared to mice. We were so slow, so blundering,
and totally ineffective at getting them out of the door. I wondered how we had
managed to survive as a species at all, let alone get to the top of the food chain,
being this useless.
Then I noticed that the mice liked to stick close to the walls as they scampered
around, easily evading the feather duster, the Labrador and the mop. They only
crossed open spaces when they had no alternative. So I propped a tray on the

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floor bridging the gap between the counter and the open back door, creating an
unbroken `wall` from their hideout to the back steps. Within seconds, a mouse
dashed along and followed the `wall` like clockwork. Within seconds it was out
the back door, followed shortly by the other two. It was so easy, in the end!
So, my faith was restored in my ability to solve problems. I realized that no matter
how slow and clumsy I may feel at times, I should never give up. If I observe and
learn, I’ll get there. The main thing is to keep my eyes open, and not blindly
follow the old ways, which I know no longer work.
And I am ready for this. I am SO ready. I could kick myself for the years of
blindness, but then, how would I know any different? I don’t come from an
entrepreneurial family. I come from a nice middle class family that believes in
education, hard work, and honesty. It’s done me pretty well, considering - it’s just
that I’m so tired. So worn out. And so resentful about working so hard and seeing
so little of my children. Not to mention the little worries that keep pestering me -
like - why do I see so many people around me, no cleverer and no more
hardworking, stop work and retire in their forties? Like, does it make sense to
give all my qualities in return for a fixed salary? Like, if I’m so jolly clever, why am
I trapped in this rat race?
There are no answers to be found in my family, workplace or circle of friends. I

have to strike off into the unknown. As a finance-phobic person, I have an awful
lot to learn. As a mother, I am hopeful. Disillusioned with the medical system
following the birth of my elder daughter, I chose a completely different approach
to birth and health, having my second daughter at home, and raising them both in
a different way to the conventional pediatrician-and-antibiotics route. And I am
very glad I did.
It took courage, and belief in myself. It took a great deal of self-education, a great
deal of ignoring negative comments, and a great deal of looking at things
differently. Of recognizing the value in learning to see the world a little differently.
Of seeing that sometimes a warmer drawer is a home.

A tray can be a wall.
And sometimes an action that conventional wisdom tells you is risky - like signing
on for a mentoring course from someone you’ve never heard of before - is a
more sensible thing to do than to carry on being a nine to fiver in a world where
there’s no job security, no livable company pension and now not even free
medical aid in retirement from the company you have worked for so loyally and
so long.
It makes you wonder - who are the blind ones, in the end?
Friday, June 24, 2005 Susan Warring
Dear Hannes
I decided to submit my story, and although at this stage, I can’t really for sure in a

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materialistic way proof or confirm what this mentorship has done for me, I can
say for sure that I started a process, a process of awakening, of slowly but surely
realizing that there is much more in life, and out of life, than what I have been
living for or what I’ve been used to, or what I’ve been taught. Funny to think, that
as one reads through the lessons with in depth concentration, and you open your
mind to understanding, you realise: it is so simple and basic, but yet these are
the principles we never lived according, and we just never saw it. We were SO
BLIND. And just to start realizing it, and move towards WANTING MORE,
WANTING to know more, and moving to understanding, you realise that no
amount of monetary value can be placed on THAT REALISATION.
And it’s such a personal thing, to me at least, because Hannes, you see, at the
end of the day, when you start to realise it, and change your thought-process,
people start to question you, they say "you are mad to do that", "you are stupid to
pay that money", "I don’t believe that", and they actually really starting to judge
you, me, and my changed life. There is such a beautiful balance in here that I’ve
learnt about, and really do want to practice it, and fulfill it in my daily livelihood
Why people don’t understand it, or never saw it, I just don’t understand. Last year
29 October at the age of 36, I had a heart-attack. It was my best and most
healthy year, because in January 2004 I started to "learn to swim", something I
truly and sincerely wanted to do forever, but was so afraid. But 4 months later,
my fear was gone. People laughed at me and made jokes, cause how can you
do something like that at your age, but I persisted and took the shame, cause I
knew that this was something I wanted to achieve in my life, and not for anyone
else, but just for me. I joined the gym for the first time in my life. I was happy. I
started to follow a healthy lifestyle, but still smoked. And then, on the 29th of
October 2004, I had the heart-attack. I was confused, I couldn’t understand. I
was very afraid, because this was so UNKNOWN, a complete dark territory. I
was sad.
I soon realised that life goes on, and I wanted to change, and I was so much
blessed, that me surviving the heart-attack, I must have a purpose in life. There
just had to be a purpose.
I saw your ad in a newspaper, and was interested, because it looked like

something I really wanted to do. So I and 2 friends of mine attended one of your
free seminars in Cape Town. I there and then decided to follow you on the
mentorship programme. And I am learning such a lot, even though my 2 friends
decided not to. And today, looking back at the transpiring events in my life the
past 18 months, I can say, 2004 was my best year ever ... having had the heart-
attack was the best thing that could’ve ever happened to me, cause it brought me
out to search for the real true things in life, which somehow, I noted all the time,
shines through in your lessons. It is so inspiring, we are really blessed that there
is persons in this short life, like yourself, that avail your time, energy and passion,
to show, demonstrate and ignite ours within ourself, it is there, it only needs to be
ignited. I am so happy, because I don’t smoke any more, since 29 Oct 2004, not
even 1!!! I am on a road to my BEST LIFE ever! I love life, and I continue this

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programme, with the greatest of pleasure.
Thank you Hannes. God bless. :)
Tuesday, June 21, 2005 Paulus Basson
It is with great excitement that I can update you as to the most recent events in
our business as well as home life.
As per your àdvice` and from the wisdom we have gained over the last couple of
weeks, we re-financed our business bond and used the `banks money` to repay
the personal loan we had taken against our home bond to start our business.
We are now proud to say we only have our business bond and a very small bond
on our house. (We paid off both our vehicles and now have a much better
personal cash flow - this we are saving and loading our bond to pay it off as soon
as possible).
We have now allowed ourselves the flexibility of having funds in our personal
bond account that we can use should we find property that we could purchase in
order to start a residual fund plan. We are at the moment looking at many
properties and the returns they render etc. We are doing extensive homework
and not rushing into any decisions without planning.
On the business front, we have been having staff training, where we are
encouraging our staff to find their `voice` and become part of the business, not
just to be an employee, but to be as exceptional as they can be in their arena. In
turn we are encouraging our staff to live these `habits` daily and by doing so,
changing their thoughts and beliefs and in turn encouraging our clients(the
learners at our college) to do the same.
On the home front, we have recently adopted a little girl called Palesa and at first
my daughter was most distraught as she did not understand the implications of
this event. After explaining to her that we were taking on a `caring role` (helping
Palesa financially, praying for her, sending her a present for her birthday,
Christmas etc, taking her out when allowed) she warmed to the idea and to teach
her the law of `sowing and reaping` she too will be sending Palesa 10% of her
monthly savings that we put aside for her.
We are enjoying each day and the challenges and success they hold. We
however realise that you have what you say and what you have today is the
some total of what you did yesterday - so we never take what we have for
granted and understand that we need to grow daily, but need to take time out to
smell the roses.
We look forward to seeing you in Mauritius where we can all `smell the roses`
together.
Tuesday, June 21, 2005 Garth Farrant

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Ek weet nie of die n sukses storie genoem kan word nie, maar ek skryf dit in elk
geval.
Ek is n student van Hannes al van 2001. Ek het al baie geleer oa dat ek die fout
van my lewe gemaak het om die plaas wat ek geerf het te verkoop net voor ek
die eerste lesing van Hannes bygewoon het in Vereniging.
Behalwe dat ek, met die geld, my huis klaar betaal het, vir my vrou n motor
gekoop het en n paar rand op n belegging (presies wat Hannes ons leer om nie
te doen nie) gesit het, het ek nog geen verdere stappe geneem.
Ek weet nie of ek te bang is en of die regte kans nog net nie opgeduik het nie.
In 2003 wou ek n meenthuis koop (off plan),maar dit het deur die mat geval toe
die ontwikkellaar opgehou bou het. Gelukkig het ek die deposito terug gekry.
Dankie Hannes, dat jy bereid is om jou kennis en ondervinding met ons te deel.
Jan
Monday, June 20, 2005 Jan Cilliers
Hi Hannes
Hier volg ‘n vinnige blik op wat jou mentorskap al vir my beteken het. Ek was ‘n
bietjie meer as ‘n jaar terug by jou seminaar in Bellville (ek en my vrou het op
daardie stadium in ‘n meenthuis gebly wat ons gehuur het). Ek was vuur en vlam
om in eiendom te begin belê, en ek het ook toe na ‘n maand ons eerste huis
gekoop. Dit het my egter heeltyd gepla dat ek nou ewe skielik meer per maand
moet betaal vir die huis waarin ek self woon (ongeag of dit nou my eie was of
nie). die huispryse het op daardie stadium egter epidemies gestyg, en ek het na
6 maande die ‘wyse’ ding gedoen om die huis te verkoop en die wins as deposito
op ‘n erf te bele waar ons wou bou. Hier reeds het ek egter jou herhaalde frase
‘maak die som’ gemis, en ek kyk vandag terug en sien, ja wel, ek kon dit anders
gedoen het. Maar die positiewe is dat ek deur daardie stap in die onbekende (die
dag toe ek die huis gekoop het), en die smaak van sukses (toe ek die tjek van
die prokureurs ontvang het) twee tree in die regte rigting gegee het, en dit is om
verantwoordelikheid vir my eie finansiele toekoms te neem en te begin dink.
Sedertdien het ek die erf weer verkoop en twee ander huureiendomme bygekoop
(die slag darem met meer van jou beginsels betrokke!) en ek geniet dit nou om
elke week se mentorskap oor en oor te lees en deel van my te maak. Veral die
hoofstukke oor kontantvloei en begroting het my direkte dag vir dag besluite
beinvloed. Soveel so dat ek intussen my Toyota Double Cab verkoop het en ‘n
Diesel Corsa aangeskaf het. (EK HET DIE SOM BEGIN MAAK OOR WAT
VERVOER MY ELKE MAAND KOS!!!)
Ek wil egter so tong in die kies byvoeg dat een van die grootste uitdagings van
hierdie groeiproses my kommunikasie met my vrou is. Ek het geleer hoe

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belangrik dit is om nie net alleen te groei en besluite te neem nie, maar om te
verseker dat ek en my vrou saam groei. Die hardste hou was seker die namiddag
toe sy van die werk af kom, en ek ewe selfvoldaan langs die Corsa staan, in
plaas van die doublecab!! Ek dog ek is bitter smart en dat sy my om die hals
moet val, maar glo my - sy was nie dik van die lag nie! Maar vandat ek haar nou
aktief betrek by my nuwe manier van dink, en ons saam beplan is dit fantasties,
want waar ons in die verlede konstant verskil het itv ons ‘rasionele/kapitalistiese’
vs ‘sentimentele/emosionele’ denke mbt finansies, praat ons nou daagliks oor
ons kontantvloei, eiendom se kapitaalgroei, ‘spookwins’, of ‘slegte skuld’. Dit is
regtig ‘n openbaring. Klas 4 experience na ‘n klas 1 experience! ;-)
Dis maar in kort hoe jou mentorskap my beinvloed, daar is nog soveel meer om
te se. In elk geval jy kan maar die skrywe publiseer as jy wil, ek deel dit gereeld
met ander. Thanx Hannes.
Groete
PD Koegelenberg
Monday, June 20, 2005 Pieter Koegelenberg
Success means doing what you do well, letting someone else do the
rest.
Goldstein S Truism.
Here is my story:
I came on the Property Pro Workshop, and learned so much - at that stage I was
considering selling my house in Melodie, Hartbeespoort - I bought it for R165
000. After the course, I stopped marketing my house, and decided to keep it and
rent it out. Now I am making about R451 profit a month from the rental I receive,
and my house is worth at least R450 000 by now!
This is not all - after that I bought a townhouse in Centurion, and I paid transfer
costs (which I should not have done!), and I rented it also out - I made a loss
each month of R500, and decided to sell it - made a profit of R70 000 on selling
it!
I have subsequently bought another townhouse in Centurion with all costs

included and extra money to paint and tile the place - I am still paying the levies,
but I am sure this was also a good investment.
I have learnt while I bought and rented out, and I have now 3 apartments in
Sunnyside, which is actually making a small profit every month, and I have
bought 5 apartments recently in Pretoria-West with costs included.

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My assets total an amount of R2 484 000, and I have started paying more on my
bond for my house in Proclamation Hill - I plan to pay it off within a year.
I still work for a salary, but hope to retire in 5 years time with my properties. I am
37 years old, and hope to retire when I am 42.
I plan on increasing my assets, and to increase my profits monthly with each

property I buy, and I am building up a reserve fund for difficult times.
Hannes, thanks to your course, you have given me the confidence and
knowledge to become financially independent, and I am applying the knowledge I
have gained. Your course fees have been paid over and over again, and I think
you are giving your students excellent advice and practical ideas to enrich their
lives. Please keep on doing this wonderful work! You have really changed my
life!
Regards,
Jeanne
Monday, June 20, 2005 Jeanne Maré
My husband did the Property Investment course in Oct 2004. He walked out of
there saying we must invest in ourselves not really realizing what this means we
concentrated on getting into the market and bought our first property in Dec
2004.
After 14 weeks, following Hannes` mentoring course did we realise this was not
such a good investment, the negative cash flow is too high. Learning from the
Property Investment course we re-structured the deal, decreasing the negative
cash flow. Now we realise what it means to invest in yourself and first
consolidate. Making wrong uninformed decisions can cost you.
I cannot place value on this information we receive weekly.
It has given us insight into who we are and how unproductive we have managed
our time and money. We have for the first time set personal and financial goals
and have started a preliminary budget monitoring our daily expenditures, it
definitely helps you focus on your goals.
In 1998, I read Robert’s Rich Dad Poor Dad, I realised property was the best
investment but looking back we obviously did not follow any logical system,
making wrong and uninformed decisions. After joining the mentoring course
it has opened a new world of knowledge to us.
The longer one stays on the mentoring course, the more this information stays
with you and becomes part of your everyday. It has also motivated me to read
more.

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Joining the mentoring course was the best investment we could have made and
it is really a life changing experience for us. We find by setting goals, helps us to
cope with our current job stress, as we know that we have a plan in place and
what direction we are moving.
Thanks Hannes for teaching us and equipping us with this knowledge, just think
how fortunate our children are, to be part of this process from such a young age.
Thanks again.
Ertjies and Ilme
Wednesday, June 15, 2005 Ilme Malherbe
Wat het die Mentor en Eiendoms beleggings kursus vir my beteken?
Nie n 90 maar n 180grade draai.
Ek het Maart met n baie swaar hart en baie twyfel die geld betaal om in te skryf
vir al 2 die kursuse.(Ek het die geld geleen en moet dit nog Des. met rente
terugbetaal)Dit was egter die beste besluit wat ek nog ooit geneem het.
REDE:
Ek het n redelike werk en het die eerste paar jaar baie goed gedoen deur die leer
van bevordering vinnig te klim. Die laaste jaar of 3 was daar bevorderings
moontlikhede wat ek geglo het ek moes kry maar het dit nie gekry.My furstrasie
het al groter geword.Baie van my kollegas is afbetaal en ek het besef.Wat as dit
met my gebeur? Ek het negatief begin word in my werk en persoonlike lewe.Nie
meer die lig aan die einde van die tonnel gesien.Ons uitgawes was ook groter as
ons inkomste en die skuld het dus vinnig baie geword by baie plekke.Ek het niks
gehad om voor op te staan in die oggend.Ek moes my self voort sleep.
A)FINANSIELE SUKSES STORIE NA KURSUS

Ek het reeds 10 eiendomme gekoop(weet nie hoe ek dit altyd reggekry het om
die 100%lenings te kry.)Ek weet ek moet nie weer die eiendomme verkoop maar
ek moes uit die skuld(verkeerde skuld)kom.Ek het dus weer 8 eiendomme
verkoop.(Betaal maar eder al die belasting wil nie oor 5jaar probleme met
ontvanger he)Ek sit nou met 2 eiendomme en nog 4 wat voor die einde van die
jaar klaar gebou sal wees.Hulle gaan almal verniet eiendomme wees.My doelwit
vir die jaar was om uit die verkeerde skuld te kom om 5 verniet eiendomme te he
ek gaan dit laglag maak.
B)PERSOONLIKE SUKSES
My persoonlike lewe is die deel wat ek glo eindelik die belangrikste is.Ek werk
nog vir dieselfde firma vir die selfde salaris MAAR ek is nie meer dieselfde.
Ek sukkel nie meer om in die oggend op te staan want ek weet hierdie dag het
my GOD vir my geskenk om n verskil te maak en hierdie dag is vol ongelooflike
moontlikhede en potensiaal en EK gaan dit soek en n verskil maak in my en die

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mense se lewens wat die Here oor my pad stuur.
C)GROOTSTE SUKSES
Die grootste sukses is wat ek in my huwelik behaal het.Voor die kursus en selfs
nadat ek met die kursus begin het,het ek geweet ons gaan skei. Ek het geweet
my 2 kinders sou swaar kry maar ek het net nie lig gesien om aan te gaan.Ons
het asgevolg van eksterne omstandighede buite ons beheer baie swaar
gekry,veral finansieel en dit het alles amper net teveel vir my geword.
Jy weet Hannes ek het die mooiste vrou uiterlik(regtig,sy laat die koppe draai)en
sy is pragtig van binne.Ek het haar amper verloor,NEE weggegooi.(NB Maak nie
saak wat,ek gaan jou nog eendag die voorreg gee om haar te ontmoet)
Een van my doelwitte vir die jaar is om my vrou oorsee te neem.Ons is 2Des.
10jaar getroud.Ek skuld haar dit en al moet ek dag en nag werk ek gaan dit
doen.Sy wil so graag vlieg na n tropiese eiland en ek gaan dit moontlik maak.
My doelwit is dus Mauritius.Ek wil net hoor of ek 2dae vroeer kan gaan?
Dankie vir die voorreg om my sukses met jou en baie ander mense te kon
deel.Die paar rand wat ek jou betaal het sal nooit genoeg wees vir wat jy vir my
en my gesin beteken het.
Mag die Here jou nog meer seen as wat hy reeds doen
Groete
Andre Myburgh
Saturday, June 11, 2005 Andre Myburgh
My dark night of the soul - My Story
As a backdrop to my story I have to briefly sketch the scene. I am a divorced

women with 2 children. My son was 18 and my daughter 16 at the time. I was an
IT contractor. I owned 2 houses (bonded at the bank) and 2 cars. These had to
be paid every month. I could cope as long as I had an income. My second house
was a holiday home so I had no IRR, It cost me thousands every month.
I definitely fell into the rat race trap. Then I lost my job and the banks started to
hound me. I was in severe financial trouble.
When I lost my job, I saw it as part of God’s plan for my life. It was obviously time
to move on. I got the 3-month contract in Botswana starting a month after I lost
the previous job. When I got to Botswana I enjoyed the country, but it was
extremely stressful to be alone in a foreign country. I was totally on my own. The
company offered me a permanent position at a very good salary. I found a lovely
home where I could be happy with my fiancee whom was about to follow me
there.

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Then the relationship problems hit me. My fiancee left me. I was devastated!
None of my old dreams was valid anymore!
Many times I asked God to show me what I needed to learn before I could be
happy. I just went through the motions of living and working. I couldn’t
understand why everything around me was falling apart. I was so sure God
wanted me to be there. Maybe I didn’t understand the signals. Maybe I should
have stayed in South Africa. But then again, I didn’t really have a choice at the
time.
When I was in my deepest, darkest hour, my mother came to visit. When she got
there I just fell apart. Was nothing ever going to work for me again? What was
wrong with me? My mom sat me down. She reminded me of Job. God tested
him. He lost everything he had, including his possessions and his family. I must
remember that he believed. He didn’t do anything to deserve such ill fate. I must
just believe that God will stay with me through all my trials and tribulations and
He will come through for me.
That was a turning point for me. I decided I have to get my affairs in order. I have
to make friends and start living again. I did.
I made some wonderful friends. I talked to the banks. I changed my attitude. I

started looking for things to be thankful for. I went for some counseling. Another
turning point. I can’t remember what we worked on, but what I do remember is
my trip back to Gabarone. As I was driving back, I started laughing. You know
why? Because at that moment I realized, I LOVE MYSELF! Just me. It’s not what
I have, what I achieve, who I know, if I’m in or out of a relationship, what I do for
a living that matters. The only thing that matters is that I am me and God made
me and I am important because I am me. The new friends I made in Gabarone
was wonderful. I think they were God’s angels, sent to help me through a horrific
time. I started working on my spiritual life and my relationship with God and also
my communication with Him. I allowed God to guide me on my way.
I believe coming across Hannes`s courses is an answer to prayer. One of the

things I believe I deserve to have is to be rich and happy and this is what this
course is all about, isn`t it?
I wanted to go back home to South Africa. I wanted to be in a happy, nurturing

relationship. I wanted to be close to my children again. They are such wonderful
people. I came back home, a changed person. I am much more centered. I know
I have a relationship with God. I know that I’m worth something, just being me.
God showed me that. If you go through hell, you give up. When I gave up, I
allowed God to guide me. Everything I have today is because of Him. I thank Him
for giving me back much more than I ever lost.
From almost losing my home, I made some drastic changes. I sold the holiday
home and used the money to clear my debt with the banks. I bought another

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house to stay in and are renting out my duet (with a positive IRR!). From having a
car repossessed, I now drive a cheeky cabriolet.
The monetary value is not the important thing here. It’s just to illustrate what I
mean by, I got back much more than what I lost. I was Job, after all… Both of the
new purchases was done before I started this mentorship course. I would have
approached it differently if I did the course before. But I am working on a plan to
get out of the new debt now. I`ll let you know as soon as I did.
Sometimes, we have to loose everything we think is important to realize just how

important or unimportant it really is… Maybe I had to learn this before I would be
ready to take on the responsibility of being rich?
After all this I also received my purpose in life. I didn’t know how I could possibly
actualize it until I started on this mentorship program. My purpose is huge! It is
one of the first things that Hannes taught us. If your purpose is big enough, if it
scares you, you will succeed. Well, mine is realy scary. I knew God would show
me the way as soon as I was ready.That`s why I believe this course is God`s way
of teaching me to become ready to take on the challenge of my purpose.
It’s something that I can’t just ignore. All of my decisions are seen as a backdrop
to this very important mission I have to accomplish in this life.
In a nutshell, I have to start a foster care system to take care of the orphans of
this country. To give them the chance to become happy, fullfilled human beings
that can make their own difference in our world.
Thank you for teaching us to become more rounded human beings ourselves, so
that we can leave this legacy.
Regards
Christina J Heystek
Saturday, June 11, 2005 Christina Heystek
Hi Hannes,
My father was an only child and had to leave his parent house in the former East
Germany when he was only 16 years of age to escape communism. He met up
with my mother in West Germany, had a first son, and had to emigrate to South
Africa soon after. I was born in South Africa and some six years later my other
brother was born.
My father worked all his life for one company and currently is HAPPY in
retirement. He is the typical "poor" dad BUT he is happy. As you have teached
us, "Riches" does not mean you need to have lots of money or tangible assets. It
means you need to have a balanced life, live towards your full God given
potential and at retirement be able to look yourself in the mirror and honestly say

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to yourself "I am happy that I have achieved what I have been put on Earth to
achieve".
Why am I referring to my parents. As a child your parents and the SYSTEM will
mould your belief and value system and it will have a profound impact on you
and the people close to you. I have tremendous respect for my father and his
strong belief and value system and for my mother for always without question
loved and trusted him even in difficult times. As they say for better AND for
worse.
Since a child I had numerous arguments with my father as I was always

questioning his belief and value system, may be not his beliefs and values but
the SYSTEM. I always believed they (my parents) did not show me all the "pages
in the book". My father always told me in a strong paternalistic way "That is how
the system works, you have to belief it".
The SYSTEM:
Listen to your teachers, do not question them, work hard and get good grades at
school for you to be able to get a University Education, get a secure job, marry a
good wife, have children because they are your Wealth when you are no longer
there and make provision for your retirement as early as possible.
I have done all that but now at 40 you have shown me the other pages in the
book.
I crammed 23 weeks of mentoring into the month of May as I subscribed in

November but only started the lessons end of April. WHAT A MONTH. May 2005
has changed my life.
I have learned more about life in this month than I have learned in 7 years of
formal graduate (Engineering) and post-graduate (MBA) education. I am still
learning daily, but I am doing it in a balanced and purpose driven way. That
makes me feel good and drives me to grow and to achieve and contribute more.
It is impossible to be "successful" without truly understanding what your purpose

in life is. To make money is not the purpose of everyone. My wonderful loving
wife is a medical doctor and she has indicated to me that her purpose is not to
make money. She wants to help others, contribute to the sick and less fortunate.
I only now have a better understanding of what "your purpose in life" actually
means. The wonderfull thing is that EVERYONE can find his own purpose in life
and be happy.
My wife keeps on asking me why I am in such a good mood suddenly. My

answer is "Every day I now do the things that will have the biggest impact on my
life and I am happy with what I have achieved today".
I can`t wait for tomorrow. Our Father has given everyone talents and a limited

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time on Earth. You have shown me how to use my talents and this limited time to
the maximum benefit, every day, to reach a fulfilling life of abundance.
Regards
Mitch
Friday, June 10, 2005 Mitch Brandt
After reading Paul Graham’s excellent essay "What you can’t say"
(http://www.paulgraham.com/say.html), it dawned on me that life isn’t what it
seems. There’s a lot more to it than meets the eye. We’re molded into model
citizens from birth - what we need to wear, say, think, do, believe in, invest in,
study - we’re just products of our society.
But are these "pages of life" shown to us the correct ones? Are there more to it?
Hidden truths excluded from the mold used to create all of us?
This prompted me to start searching for "The Meaning of Life". Why am I here?
What is expected of me? What do I need to accomplish in this life to be
successful? What does Successful actually mean?
This period of serious introspection, questioning and philosophizing is mainly

responsible for bringing me in contact with Hannes Dreyer. BANG! My questions
received answers! Confirmation of my suspicions! What a life changing
experience!
Using the words straight from Hannes’s seminar:

"We are just shown the pages in the book that they want us to see!"
And this is the punch line: it doesn’t just apply to Financial Advisors giving
investment advice! It also applies to our school teachers, varsity lecturers,
parents, friends, politicians, religious leaders and any other "experts" we can
think of!
What did I learn during this process of discovery:
Success is not about becoming rich, or becoming the number one employee in
my company, or winning the next marathon, or any ONE goal in life? I’m
successful ONLY if I can truly say that, at the end of my life, I never dropped any
of the balls-of-life I was juggling. My marriage, my relationship with my parents,
friends, children. My relationship with myself. All of these things are just as much
a part of being successful - and sacrificing any of these things (just be successful
in making money, or making it to the top of the corporate ladder, etc) will
ultimately mean that I wasn’t successful!
What a revelation! And doesn’t this sound exactly like the LMS (Lifestyle

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Management System) Hannes keeps on talking about?!?!?
Yes, learning how to analyze deals, working out IRRs, negotiating with bank
managers and motivated sellers - all of these "skills" taught by Hannes are
definitely very helpful and indispensable during any investment deal, but his LMS
is INDISPENSIBLE in your whole life!
Ever since I had this revelation - I started applying LMS to my own life - at work,
at home, in the gym (yes, I actually joined a gym following this discovery: that I’m
also responsible for my personal health), my long-lost relationships with old
friends, my personal finances, the whole shebang!
And what a turn-around this made to my life! My WHOLE life! And I’m
responsible for it!
Hannes, thanks for the wonderful work you’re doing! Keep it up - no matter
WHAT some "self-proclaimed experts" might say!
P.S: I thoroughly enjoy your mentorship programme, and I’m also very grateful I
attended your Property workshop - my future (and that of my family) is looking a
lot more colorful NOW than a year ago!
Friday, June 03, 2005 Christoff Gouws
Timing, as I’ve often heard it said, is everything! I’d had the invitation to Hannes’
mentoring programme sitting in my inbox for 6 months, and never even followed
the link. The time just wasn’t right, I guess, and perhaps if I’d read the
extravagant claims and promises in December it would have been like water off a
duck’s back. But in April 2005 it was different – more like the proverbial sponge.
My successful, recently-retired surgeon father is Robert Kiyosaki’s “poor dad” –
he’s saved himself into comfortable retirement, but it could have been so much
more. And when I look back at the 18 years since I left school I really wonder
where I’d be if I’d taken Hannes’ advice back then…! Anyway, my world’s a
different place. I’ve stopped paying RAs and restructured my debt. I’ve hooked
up with a close childhood friend, and now-IT wizard, who recently returned from
the States and started meeting twice a week to look at founding a cashflow-
positive, low-risk, high-return internet-oriented business with international
expansion possibilities. I’ve streamlined my consulting business to free up time
for other business interests (and more kitesurfing – grin). I’ve attended a
Property-Pro workshop and started following leads on property opportunities in
urban-renewal areas of Johannesburg. Most importantly, I’ve stopped wasting
time, and started living with more conviction – and I’ve got a plan up my sleeve
for my financial future… and dammit! That’s a first for me. Watch this space!
Monday, May 30, 2005 Ian Henderson
Hannes,

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Greetings and thanks for all the incredible advice and motivation. Success is
sometimes very difficult to gauge because it varies from person to person. There
is already so much in life to be thankful for and in today’s time, just having a
happy together family today is a success. It is ironic though, that a lot of people
have lost the happy together family because of the pursuit to be successful.
Success is a balance between what we need and what we want. Yes, this differs
from person to person, but I firmly believe that you are teaching and showing us
that our successes must be planned and must not be at all costs.
I have never regarded myself as an "in the box thinker" but after attending the
seminar and the one day workshop, I realised that I was not as far out of the box
as I thought I was. After the first 6 weeks of the mentorship programme, I
became despondent because it seemed like I was still in the box. Your lessons
are incredible and I have become your number 1 fan. Not because I am hoping
you will make me a millionaire, but because you have highlighted areas of my life
that require a lot of work.
My wife and two sons now get to see a lot more of me because I have put some
of your lifestyle suggestions in place.
I have also benefited from the property investment information you give to us.
Without going into too many details, I have purchased 2 properties, each which
have an IRR of 242% in an area that has a capital growth rate of 45% per
annum. They both have sub-division possibilities which will further enhance the
value. This was the 2nd property I purchased since getting to know of Hannes
Dreyer. Hannes Dreyer has shown me that the 2 previous properties I purchased
were "bad buys" - but I have since made them better.
Hannes, I thank you greatly for making yourself available to help people like
myself, and the many others who have invested in themselves by being part of
the mentorship programme.
My Friday’s are not the same anymore as I wait in anticipation for the update.
Thanks and God’s richest blessings to you and your family.

Mark Byrne
Friday, May 27, 2005 Mark Byrne
Dear Hannes and the wealth creation team.
Thank you for providing such an inspirational website and mentorship program.
Your lessons and practical advice are enlightening and inspiring. However, the
most enjoyment, encouragement and faith come from the success stories that
are posted by your subscribers. This is really the true test to the programme and
it gives me great inspiration from those who post their stories of success.

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Kind regards
Lance
Wednesday, May 04, 2005 Lance Woolley
There’s always something about success that displeases even your

best friends
Mark Twain.
I started revising the learning material after I have failed to realise any of the
financial goals I set during the past two months (I am at week 11 at the time of
this writing, i.e. 12 weeks behind real time). In one of the earlier weeks you have
a sentence starting with: "My life really started in ..." My story will start with the
same sentence although it is not one of financial success yet.
My life really started in December 2004 when I decided that I want to learn how
to achieve the right mindset for success. I was inspired by Napoleon Rich’s book
Think and Grow Rich. As a consequence I repeated the following positive
affirmation daily: "I have the faith and trust that I will soon come into contact with
the right person/s who will guide me to achieve the riches I desire".
In January 2005 I moved to South Africa and in February came across and joined
this mentorship programme. I started setting monthly goals (after I formulated a
ten year goal) which covered the most important aspects of my life: health,
friendships, family, spiritual, financial, personal and professional growth. Yet after
2 months I was disconcerted about my lack of financial progress.
Reviewing your lessons brought me to a new realisation and that was the
necessity of building a strong foundation. I have been growing on a spiritual and
emotional level, even if it did not yet show in my financial situation. I was indeed
preparing myself for success. When I asked myself the question: "Are you ready
for the riches that will be bestowed upon you?" the volume and conviction of my
`yes! ` Became louder and clearer.
I am grateful of having found a mentor, I am grateful for this process.

Monday, May 02, 2005 Estelle Coetzee
I attended your Property Course in Durban late last year. What it really did for me
was confirm that what I was doing was right - Use the banks money to make
money by building additional properties and renting them out. With your attitude
combined with mine I have built an additional 3 units for R180, 000 (property was
zoned for 4) which now bring in a rental income of R9000/mth. We should be
receiving an additional R4000 from July. WOW! We have also purchased more
land and can build more units as well as draw a salary from the bond for building
our own units.(writing NHBRC) (please note I was employed / a slave in the cell
phone industry for 11 years. I left my employ in November last year. By the end

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of this year we should be millionaires in assets and then 10 years from then we
will be Billionaires (God willing). I think I have awaited for you Hannes all my life -
You are sincere, unbelievably open and transparent and an excellent Role model
and Mentor. Please keep us informed on your Durban visits as would like to say
hello. Many thanks!!
Sunday, May 01, 2005 Richard Daguiar
I OWN MY OWN BUSSINESS AND IT TAKES UP ALL MY TIME LEAVING

NONE FOR MY NEW YOUNG FAMILY. I WORK HARD FOR MY MONEY. I
HAVE STARTED T0 THINK OUT OF THE BOX. I HAVE A PLAN TO MAKE 1
MILLION A MONTH IN 8 YEARS USING BUSSINESS.
I ATTENDED YOUR COURSE LAST YEAR TO HELP ME WITH PROPERTY.
I HAVE 9 PROPERTIES AND IN THE PROCESS OF GETTING 4 FOR FREE.

IM BUYING A HOUSE IN PTA FOR 1.3 MILLION WITH A 100% BOND. MY
TOTAL MONTHLY COST WILL BE 2500 AS IM SUB LETTING.I WANT TO
IMPROVE THIS UNTIL I STAY THERE FOR FREE.
HANNES THANK YOU FOR KICKSTARTING MY BRAIN ON PROPERTY

INVESTMENTS.
MY LIFE HAS CHANGED AND IN THE NEAR FUTURE I WILL HAVE ALL THE
TIME FOR MY LOVELY WIFE AND SON.
EVERY DAY IS A NEW BEGINNING..............GOD BLESS.

Thursday, April 14, 2005 Jose De Franca
Beste Hannes
Ek is nou so maand besig met die mentorskap program en geniet dit tot dusver
baie. Ek is ook ‘n affiliaat van die program. Ek kry dikwels die vraag of jou
mentorskap program se inhoud nie baie oorvleuel met Robert Kiyosaki se boeke
nie. Persoonlik is ek ook ‘n groot aanhanger van Robert Kiyosaki. Ek moet jou
egter gelukwens dat jou program my blootstelling gee aan baie nuwe idees en
denkwyses. Ek weet dat niemand daarvan hou om met iemand anders vergelyk
te word nie, maar ek meen tog dat voornemende studente die vraag sou vra of
hulle nie maar net Rich dad Poor dad kon gelees het nie. Ek dink ook dat jy die
terugvoer oor jou program sal waardeer.
Die eerste groot verskil wat my opgeval het tussen jou en Robert Kiyosaki, en
wat vir my baie positief in die mentorskap is, is die feit dat jy ons wil aanmoedig
om self te dink. Robert vertel vir sy lesers wat hy gedoen en geleer het by sy
mentor en die leser moet dit aanvaar of nie. Hy doen maw die dinkwerk vir sy
leser – wat die leser wat wil leer nie eintlik leer om onafhanklik en op sy eie voete
te dink nie. Jou verstaan van entrepreneurskap is juis dat ‘n entrepreneur iemand

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is wat glo dat daar ‘n manier moet wees om enigiets gedoen te kry. Dit gaan
maw oor die ontwikkeling van die kreatiewe deel van die brein – om nuwe dinge
self uit te dink. Persoonlik waardeer ek die “Hoe dink jy sou jy dit doen?”
uitdagings aan jou studente baie.
Die tweede belangrike verskil is dat Robert meestal oor beginsels praat en baie
min praktiese inligting bevat. Jou inligting is baie meer toepaslik en op die man
af. En natuurlik is daar ‘n wereldwye verskil tussen die praktiese situasies in
Suid-Afrika en in ander dele van die wereld. Dit is waar dat die basiese beginsels
dieselfde bly, maar ek wil tog glo dat dit baie moeiliker is om dinge in SA gedoen
te kry – veral soos jou eerste les verwys, dat banke in SA entrepreneurs soos
misdadigers behandel. Dit geld ook vir die groter samelewing, die
arbeidswetgewing en die belastingstelsel wat gadnie so vriendelik is teenoor
entrepreneurs en beleggers as in oorsese lande nie.
En laastens beklemtoon jy dat entrepreneurskap ‘n syfer-speletjie is. Jy wys jou

studente ook hoe om met kreatiewe formules en somme geleenthede te
struktureer. Robert maak verbasend min daarvan – hy verwys sy lesers altyd na
sy ouditeur en adviseurs. Dit is nie verkeerd nie, maar ek glo tog dat ‘n
entrepreneur self ook moet weet hoe om somme te doen.
Laastens ‘n mooi voorbeeld van entrepreneurskap:
How an enrepreneur operates:
Jack, a smart businessman, talks to his son
Jack: I want you to marry a girl of my choice

Son : "I will choose my own bride".
Jack: "But the girl is Bill Gates`s daughter."
Son : "Well, in that case..."
Next Jack approaches Bill Gates
Jack: "I have a husband for your daughter."

Bill Gates : "But my daughter is too young to marry."
Jack: "But this young man is a vice-president of the World Bank."
Bill Gates : "Ah, in that case..."
Finally Jack goes to see the president of the World Bank.
Jack: "I have a young man to be recommended as a vice-president."

President : "But I already have more vice-presidents than I need."
Jack: "But this young man is Bill Gates`s son-in-law."
President : "Ah, in that case....."
This is how an entrepreneur does business!!

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Beste groete
Dr Nols de Bruin
Secunda
Tuesday, April 12, 2005 Nols De Bruin
Hallo Hannes
Ons verhuis die 15de April van Kaapstad na Pretoria. Nadat ek en my vrou jou
Property Pro Werkswinkel in Februarie bygewoon het, het dit ons sienining
rondom eiendom drasties verander. Ons het `n eiendom in Centurion gekoop vir
R980000. Die erf kan onderverdeel en ons moet nog finaal besluit wat ons
daarmee wil doen maar dit kan `n minimum inkomste van R300000 genereer.
Die wins op ons eiendom in Durbanville is R240 000. Dit laat ons met `n
uitstaande verband van R440000. Die dubbelmotorhuis staan los van die woning
en ons gaan dit omskep in `n woonstel teen minimum koste en kan `n inkomste
hieruit verdien van R3500/maand. Ons gaan m.a.w in Pretoria bly vir net meer as
R1000/maand! en hierop kan ons ook nog verbeter. Ons doel is om verniet te
bly.
A.g.v swak ekonomiese omstandighede in die landbousektor was ek verplig om

my werk te heroorweeg en begin ek gevolglik `n nuwe loopbaan in Pretoria. Ek
en my vrou sien ongelooflik uit na `n "nuwe begin" gebaseer op jou DLMS.
Baie Dankie
Jannie en Retha Mostert
Monday, April 04, 2005 Jannie Mostert
Hannes, ek kan net sê baie dankie vir die insig tot dusvêr en wat ek alreeds wys
geword het net uit die materiaal van die eerste 4 weke. Ek is vanwee
omstandighede so ietwat agter aangesien ek alreeds die eerste 9 weke se
materiaal ontvang het maar sal by Maandag op datum wees. Ek vind die
materiaal so boeiend dat ek nou eenvoudig nie kan wag om te leer en by te kom
nie.
Jou gegewe eienskappe van `n entrepreneur het my laat besef dat ek aan al die
vereistes voldoen maar dat ek geen deurdagte sisteem het wat ek behoorlik
nastreef nie. Ek wag dus in spanning en met opgewondenheid na wat nog moet
kom. Alreeds het ek moontlikhede raak gesien waarop ek myself tot nou toe nog
blind gestaar het. Dit gaan nou verander maar daar is inligting rakende die bedryf
van `n internet gebaseerde besigheid wat ek eers wil bestudeer. Ek weet ek
beskik alreeds die die kundigheid rakende die besigheid self wat ek wil bedryf
maar die loodsing daarvan per internet is vir my op hierdie stadium nog duister.
Nietemin weet ek dit gaan werk want ek gaan dit maak werk!
Friday, March 18, 2005 Ben Groenewald

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My husband and I both received good salaries but we had to work very hard. We
were both frustrated and always financially overextended. About 18 months ago I
prayed one morning to be showed a way to get out of this mess. Then things
started happening. A client introduced me to the "Rich Dad, Poor Dad" books
written by Robert Kiyosaki. I realized that there was a different way of thinking
about money: passive income. I read them all.
Then my husband was retrenched. That created a serious cashflow problem! (I

wanted us to get out of a mess, not deeper into it!). A friend told us about the
one-day Property Pro Workshop. My husband and I both attended it and bought
the program. As a result we bought 10 properties of which three were free. All of
the properties have a positive cashflow and we are now receiving our first
passive income. What a feeling! The money pays for the mentor program and will
be used for further property investments. We also attended the Wealth Pro
Course.
My husband started a network marketing business which is growing steadily. He

works at it diligently. After reading many, many books of which one was "The
Richest Man in Babilon" we restructured our expenses and I now even manage
to pay 10% of my monthly income into our bond. We are working hard at paying
off all our debt.
My two children now live in a different environment with parents teaching them a
different way of thinking. We now have definite goals and we even started
working on our health: we get up early and go for a 5 km walk every morning. I
also joined the affiliate program and intend to make a huge success of it. Now I
can’t wait for Fridays to receive the update on the website!
For the first time in years we feel alive and enthusiastic. I guess retrenchment
can be a blessing in disguise!
Thank you for opening the world of property and business for us. Although we
still have a long way to go us now have a new life full of opportunities!
Sunday, February 20, 2005 Miemie Van Loggerenberg
This story is not about success, it is about the result (outcome) of applying
principles and facing the truth. I also want to tell you what the first step, investing
in myself, has cost me.
It is now the end of week 3 after I have completed the Property Workshop from
Hannes Dreyer. I learned a lot in the workshop, the four most important lessons
being:
1. I have to take responsibility for my future, accept that I am financially ignorant

and have been programmed to echo preconditioned responses with regards to
investments. I have not the foggiest clue how to manage my time and money. If I
did, I would have been financially independent a long time ago.

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2. Income is more important than capital. I must focus on passive income. Money
must work for me.
3. A true investment does not have a negative cash flow. If an “investment” costs
money (money flows out of your pocket), it is an expense, nothing more than a
black hole in your money pool. Black holes are the most energy sapping
phenomena know in the universe, consume all matter and energy and never give
anything in return. Believe this, over time a black hole in your money pool will
consume you after it has consumed your money.
4. Systems of applied knowledge are required for repeated success. Proven

knowledge formulated into a system and applied to the structuring of an
opportunity is what makes the difference between a loss, mediocre and
spectacular returns. The same opportunity has very different outcomes
depending on how it is structured. Two examples: Hannes presented us with the
opportunity where he sold R100 for R50. Let this sink in. He gave away R100 if
someone was prepared to pay him R50. Unbelievable. He must have left his
marbles at home. Out of the 40 odd people, only one person grabbed the
opportunity, and it was not me. I let the opportunity slip because I was thinking
about the marbles. The person paid with a R50 note and made a 100% profit.
Hannes then showed us that he could have made 900%, 250,000% or and
infinite return by using different payment options; the point is that structuring
produces vastly different outcomes. He also did examples where the same
property, in the same location, with the same tenant, produced returns of a loss,
15%, 60%, and over 200% by structuring a different deal. At the time I did not
grasp the significance of this.
In summary, this is what I did over the past three weeks. Goal 1: invest in myself.
I took responsibility for my time and money. I invested in myself by doing the
workshop, bought the Property Pro Software, subscribed to the mentoring
programme and the property investment website. I set goals, small incremental
steps to reach financial independence. I went about analyzing and restructuring
what I have got right now to create a passive income, rather than searching for
elusive “new opportunities”, that lucky break that will make me “rich”.
I have 5 properties and live in one of them. Total bonds on the 5 properties: R1,
470,000 with monthly repayments of R 12,896.41, 5 year IRR is 39.18%. The net
income of the 5 properties was R-3266.60 per month. Negative cash flow, a
black hole. Passive income? None. I had to keep working to fund my
“investments”. If interest rates go up I must work even harder. Add the “policy
investments”, calculate the pre-tax income and then you will understand how
hard I had to work to fund my “investments”. The more investments I make the
more tax I have to pay. Surely I was building a secure financial future? No,
unfortunately not. I was digging a deeper pit, every year, all by myself.
Application: restructure. I took R200, 000 of the reserves in the bonds, and
provided a short term loan at prime to a company where I am a shareholder (can

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maintain responsibility). Short term loan repayment that I receive from 1 March is
R17, 490.30 per month. I will roll the loan annually for a 5-year term. Bond
repayments will now be R14, 396.41 per month (bonds are now R1, 670,000).
My passive income with a 100% vacancy rate is thus R17, 490.30 – R14, 396.41
= R3, 093.89 per month. The money is now working for me, and interest rate
fluctuations, high interest rates and empty properties have no effect on me. The
two major risks have vanished. With a vacancy rate of 16%, my net rental income
is R6, 720.00. Add the R3093.89 and my passive income becomes R9, 813.89
per month. Not spectacular, but a start for sure.
Restructuring 3 of the 5 properties resulted in a 5-year IRR of 93.15% (as per the
Property Pro Programme), and I am now working on the remaining two. I have to
get out of the box with these two properties.
Goal 2: Financial independence (lesson three of the mentoring programme). I am

restructuring my living expenses to fit in the R9, 800 per month. Incredible. I will
be financially free in less than 6 weeks from now. My vehicle, now costing me
more than R4, 600 per month, is changing into no cost to me and I am going to
get paid to drive the vehicle. And to think that I have been trying for more than 20
years to achieve less than I have achieved in last three weeks. Fortunately
Hannes threw the spade I was using to dig my “investment pit” away.
How much of my own money did I use? Not even one cent. That’s right; I am now
earning a passive income, risk free, of more than R9, 000 per month without
spending a cent. You figure the return on that. What did it cost to invest in
myself? Month 1: R600 basic property course, R2900 for the workshop, R1500
for the Property Pro software, R3500 for the Property Investment subscription,
and R4200 for the mentoring programme (I will make the subscription fully paid
up before the first debit order). Total cost is R12, 700, and I will get paid R117,
766.86 in the first year because I spent the R12, 700. Apply what you learn by
investing in yourself, and you end up being paid because you invested in
yourself.
What did I get? More than R9000 a month that was always there, but I did not
know it existed. I can probably do better than that, I am still learning (I am
probably now at the 100% profit level with the R100 for R50 story). There’s more.
I am now restructuring my business. It’s amazing what is happening. What else
did I get? The start of a journey, I can never think the same again. Lots of stress
has just vanished. And I am going to buy many properties from highly motivated
sellers. The question is: how much of my own money will I have to spend, and
what will the risk be? Not a cent and no risk. If my mind works, I will get paid as
well.
Goal 3: Financially free. That’s my next goal after completing goal 2.
Well Hannes, I did say thank you. Words cannot justify opening a mind. The
journey has started, and it’s fun. I like being out the box. Again, thank you.

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Gys van Nieuwenhuizen.
Sunday, February 20, 2005 Gys Van Nieuwenhuizen
Success or failure, very often arrives on wings that seems mysterious

to us
Dr Marcus Bach.
Dear Hannes,
I have been overly impressed by your property workshop and since then I have
bought 2 properties to rent out. Using your software program, my calculations are
showing an IRR in year 5 of >90%.
One of the properties is already generating a positive cashflow! No one in the
area can believe I am obtaining the rental income and what I paid for the
property, especially estate agents!
I am learning the way to a financially secure future. I am also proud of myself in

finding such properties to rent out as the current economic climate is getting
more and more difficult. Most properties I have looked at need to be heavily
subsidized (negative cashflow).
Kind regards
Lance
I wish everyone on the mentorship program, a bright and successful future!
Tuesday, February 15, 2005 Lance Woolley
An avid reader and follower of "Rich Dad, Poor Dad", and John Maxwell, I
realised "If it’s to be, it’s up to me".
12 years ago, I headed the Contemporary Music Department at the National

School of the Arts. Applying the lessons I had leant, I soon began to realise that
the vision and dream of having my own College was obtainable, and 3 years ago,
I took the `leap of faith` and began my own Music College the Performing Arts
Campus. I am proud to say that we have started our 3rd year with gusto and our
turnover is in the early millions. Through the application of investing in myself I
was able to use that knowledge to start our College using the bank’s money and
was able to buy the building that houses our College. Not only do we run a
College, but we also able to give back by using our knowledge and expertise to
run learner hips for the SETA`s. Last year we were granted one learnership and
by running it efficiently and consistently, we were granted 2 more learnerships for
2005.

Page 276
Upon hearing about Hannes and attending one of his property workshops I was
very excited about his philosophies and his approach to life and jumped at the
chance to sign up for his mentorship programme. I have no doubt I will grow
even more with his mentorship and look forward to growth in all areas of my life -
thank you Hannes!
Tuesday, February 01, 2005 Garth Farrant
My journey began 18 months ago. The company I work for made some salary
philosophy statements that upset me and I started to get unsettled in my work
environment. A year later more salary philosophy statements were made. This
thrust me into action. I wrote one and a half pages to the board of directors
explaining where and why I disagreed with them. Well the answer I got back was
typical. “Keep loyal, keep working hard, go the extra mile and we’ll see what we
can do.” I learnt right there that my boss would never be able to change my
situation and that I needed to take responsibility for my own destiny.
Hannes Dreyer to the rescue! I attended one of his free introductory seminars. I
knew he had answers and guidelines that I needed to learn, to rescue myself
from my situation: learning about property investments, wealth creation and a
better life style management system! But the cost of the course for someone in
my financial situation was steep. However, deep down, I knew that here was a
man who through 23 years had built up an enormous library of destiny changing
knowledge and I had to tap into this “university” of information. So I did the one
thing that, at the time, seemed to go totally against my every financial grain! I
borrowed money off my bond to pay for the “Property Investment Basic Course,”
an investment I’m pleased I made.
I walked away from that day never to be the same again. My blinkers had come
off and a whole new way of thinking and new concepts had been opened to me.
For example, Hannes kept talking about “EQUITY.” I had heard the word before,
but never truly understood its financial meaning. Wow! I was sitting on a gold
mine. I was wealthy and did not even realise it. Out of that one day seminar, my
“GOLD NUGGETT” of information was “EQUITY” Today, I would pay the course
fee for that one piece of information alone because that piece of information
opened up a whole new dimension to me. It has introduced a whole new mind
set change which has directly influenced my very being and attitude to life.
Let me explain! I still work for the same company, get the same salary, except for
the usual increment at year end, but I see things differently. I have a new found
hope, because there truly is a light beginning to shine at the end of a dark tunnel
of financial gloom.
Since attending the “Property Investment Basic Course” in October 2004, I have
extended my bond so that I can utilize my equity to build a flatlet onto my existing
property. I have bought a duplex flat at below market value, and most
importantly, I have joined Hannes’ “MENTORSHIP PROGRAM”: I want to find

Page 277
many more “gold nuggets” of information in Hannes’ LIFE STYLE
MANAGEMENT program, his EIGHT LAWS OF SUCCESS, his FORMULA FOR
CREATING RICHES etc., all being covered in his “MENTORSHIP PROGRAM”
Today I bounce out of bed knowing that my life will never be the same. I
promised myself a few weeks after doing the “Property Investment Basic Course”
- “I will never be a slave to money, to people and to bad habits.” I am in control of
my own destiny. I will learn, change and grow where I have to, so that I will never
find myself in the sorry state of attitude that I was in 6 months ago.
You too can make a difference to your own life. I encourage you to do what many
of us have done, and subscribe to Hannes’ “MENTORSHIP PROGRAM” as soon
as possible. There is no time like the present. Kill procrastination (a big stumbling
block) and join today!
“May the Son rise to meet you.”
Monday, January 31, 2005 Trevor Farley
Over the years I was caught up in a trench of thinking that got deeper and my
blinkers straight. In terms of the book Rich Dad Poor Dad I was really the poor
dad. Fighting with the boss and systems to get that extra bonus to stay in the rat
race.
At the age of 40 I made a drastic decision to study for a degree, the success of
getting my first degree and masters, changed my outlook on life. The course
material didn’t matter as my new outlook on life was far more beneficial. This was
a good investment in myself.
After reading the book by Robert I could understand the theory and concepts
very well, but I still lacked the way to do it - the "how". At the Property Pro course
I got the answers to the way how to invest and obtain the benefits from property
investments.
Hannes, thank you very much for the opportunity you gave me in this field of
business.
Wednesday, January 26, 2005 Hermie Visser
My story begins in September 2003, just after I attended Hannes’s course. I then
worked for an investment company that drained my last bit of energy and also
nearly my soul. At that stage I was already 5 years in Gauteng (I was born and
bred in the Northern Cape). After Hannes’s course I had lots of food for thought
and needed to do some soul-searching:
What do I want to do with my life?

Do I want to work for someone else for the rest of my life? No.
Do I want to work month after month for just a salary? No.
Do I want to go for unbelievable wealth for myself and give my descendants

Page 278
enormously wealthy parents? Definitely!
Do I want my life back? Yes!
How shall I achieve all this?

Fortunately my mother and I did this course together and hence she understood
exactly what this fuss was about. My parents then requested me to build them a
property portfolio. For their old age and, of course, for their off spring one day.
(Actually they only wanted me closer to home!)
This is how I landed again in Kimberley in March 2004. Back with my parents,
brothers and family. Out of the ‘rat race’ and I can now determine my own speed.
And bring some balance to my existence.
For nearly a year I am now engaged with my own little business in family context.
I have increased the couple of properties my parents possessed to 33, spread
over S.A.
At last I have time again for my God, my family and every facet of my life.
I am sincerely grateful, thank you Hannes.
Rozanne
Wednesday, January 26, 2005 Rozanne Le Roux
Hi,
I did the ‘property pro’ one day course in May 2004. After the course I spent a
couple of months doing my homework and was reasonably scared to invest in
property.
After I had done all my homework (at that stage I was convinced that I had done
everything) I bought my first property in September 2004.
It is a one –and- a- half bedroom flat for R 250 000 and the IRR, according to the
property computer program was 30%. (Interest rate at the bank 10.25%).
Shortly thereafter, in October, I bought my second property: a 2-bedroomed flat

for R 285 000 and the IRR was 38%. (Interest rate at the bank 11%).
In November I bought my third property for R 231 000, a bachelor flat and the
IRR was 72%. (Interest rate at the bank 9.75%).
All the property was purchased in a short period of time and in that short period
of time I learned a lot about property. Each mortgage bond is with a different
bank because in each case the bank either wouldn’t grant me another loan or
they demanded an interest rate I didn’t want. Hence I learned how to negotiate
with banks regarding the amount of the bond and the interest rates they charge.

Page 279
In November I relocated to Johannesburg and had to pay rent for my
accommodation. This was the motivation for buying my third property. I either
had to pay R 2 350 per month rent and stay in the flat myself or to let the
property for R2 000 per month whilst paying R 1 400 rent per month for the flat in
which I am now staying.
Hence, occupying the flat yourself costs R 2 350 = outflow of R 2 350.
Letting the third property and renting somewhere else:

Payment: R 2 350
Rental: R 1 400
Income from letting: R 2 000
Hence net outflow: R 1750
Hence I save R 600 per month and gain capital growth by letting my property and
renting another flat.
Although I know that I still have plenty to learn about property investment, I think I
left the box and made a start.
One of my questions that I should like to ask when I attend my next course at
Hannes will be: ‘How can I invest without spending a cent on making the
investment; because I bought the properties and had to save up first to pay the
transfer cost and attorney fees. Hence each time I had to pay cash before I was
able to invest. This implies that I again have to save up prior to investment.
Greetings
Etienne Louw
Tuesday, January 25, 2005 Etienne Louw
We will either find a way or make one

Hannibal.
Dear Hannes,
I originate from Maclear, on the border of the old Transkei and Cape Province.
That is why I still have contact with the people there and through them heard that
the old Central Hotel (which no longer was run as a hotel) was to be auctioned.
Immediately I appointed someone to bid on my behalf, did my calculations with
the aid of Property Pro Software and with an existing mortgage bond on another
property bought the hotel for R120 000. There are 26 guest rooms and a further
14 rooms for workers. Of course, very neglected.
My income consists of R2 000 per month from letting property and a further R4

Page 280
300 as my part of the building let to the Department of Welfare. We are going to
renovate the old hotel (cleaning and painting) and then avail rooms for overnight
stays and lease out another part as a restaurant. This can augment the income
with a further R10 000 to R15 000 per month. Although Property Pro taught me a
lot, I still am uncertain regarding the financial structures I should have.
Unfortunately my other story is not so rosy. I did my calculations on Property Pro

but made them in a too optimistic way and relied too heavily on the predictions of
the sales agents.
I bought a flat, without any deposit, for R1 100 000. The rent per month would
only be R6 000 or if I were to rent it out on a daily base I could increase it to R10
000 after a few months. The capital growth in Stellenbosch is very good and
although I should make a good profit my cash flow would be very low and
therefore, after some objective figures in Property Pro, I decided to sell and
invest the profit somewhere else. (I have to confess that I became emotionally
involved and am still uncertain whether I have done the correct thing.)
Erna Boswell
Tuesday, January 25, 2005 Erna Boswell
Hallo Hannes.
We went to look at a house that was in the market for R365 000 and that after it
had been in the market for a long time. According to the owner FNB valued it at
R440 000. The place is in need of some renovation but not too much. I made him
an offer of R325 000 with the excuse that it would cost me another R60 000 for
repairs. They accepted this offer to our surprise. I asked the bank for a loan to
cover only the purchase price and the bank approved it.
I saw my chance, contacted the agent and said that the bank had approved only
R325 000, including the cost of renovations. I said that we shall have to cancel
the deal or they will have to lower the price, which they did by another R10 000.
Hence I paid R50 000 less on the original purchase price.
Willem Coetzer
Wednesday, January 12, 2005 Willem Coetzer
I was in the process of starting a business in the transport industry. I then read
the advertisement in the newspaper how your money can work for you.
I always wondered how my money could work for me and I then attended both
your seminar and course. We did all this during May 2004. Up till now we have
purchased 13 properties. We have made many mistakes and still learn each day.
If we couldn’t buy the property for nearly next to nothing we left it. It is

Page 281
unbelievable how the estate agents run after us. We tell the agents what benefits
they should use at the banks. I don’t even want to mention the other professional
matters we had to contend with. Donè and I are attending your course now.
Hannes and Tanya, our sincere thanks for what you have taught us! You have
invested a lot in our lives, you won’t believe it, and we really appreciate it. At the
start of your seminar and course we were in a desert but you have opened our
eyes. We have taken all that you have shared with us.
God bless you!
Des and Donè

Monday, January 10, 2005 Desmond Bann
Dear Hannes
I am a pharmacist and I have attended your Property Investment School in 2001.

The reason I attended in the first place is the knowledge that pharmacy could
turn out to be a lemon. I have subsequently increased my portfolio to 2
businesses and 5 properties. I will be financially independent in 5 years from
today weather I work as a pharmacist or not. 3 of the properties have an IRR of
infinite.
NEW PROGRESS
I have in the last 3 months bought 3 new properties for no money down and have
realised a capital inflow of R40 000 on the 3 deals. All 3 properties have a
positive cashflow of about R1000 each and an IRR of infinite.
Thank you for valuable info.
Regards
Eugene du Plessis
Saturday, January 08, 2005 Eugene Du Plessis
Hannes
I have attended your property investment school.

Following that in September, I have acquired a property for halve its value with
potential to sub divide.
Thanks to you
JJ Vorster
Saturday, January 01, 2005 JJ Vorster
Dear Hannes

Page 282
Many of the “wisdoms” we heard from you on the course we attended were very
similar to values we have held for a long time. Some of these are “Invest in
yourself” and “Do the numbers”. Another of our sayings is, “You don’t know that
you don’t know what you don’t know.” Despite having been in the property
industry for over twenty years we had never heard of some of your financial
concepts for buying property and were immediately fascinated by a specific
strategy that you mentioned. Shortly before doing your course Jimmy saw a
building he really wanted to buy. We always buy bargains but this was not to be
as the owner did not really want to sell, and named a price which made the
finances too tight in the first year while we maximized the income and minimized
the expenses. When we heard of your financial concept we immediately realised
that this could solve the problem and enable us to buy the building, and that is
exactly what we have done. We have bought a block of 89 flats together with 101
garages for the sum of R6, 000,000-00. All the banks were willing to finance the
deal at prime over ten years but this would not work. We then applied one of your
financial strategies and instead of paying R61 425-00 per month in the first year
our payment was only R37, 500-00 per month. The saving of R23 925-00 per
month or a saving of R287, 100-00 for the first year, was all we needed to safely
re-structure the building by reducing expenses and increasing the rentals, as it is
under-let. The deposit of R1, 500,000-00 was obtained by using your roll in
strategy at below prime. Effectively we secured 100% finance for this building.
Jimmy has the courage and the energy to seek and secure wonderful
investments, and has the freedom to do so, as I oversee the administration and
control of the tenants. Thank you for that tip – it was a real winner!
Wednesday, December 22, 2004 Lynn Oosthuizen

Page 283
CHAPTER FOUR
About the author

Page 284
About the Author
Dr Hannes Dreyer:
PhD, MSc (Economy), CFP™, ALSA, IQA, MDRT, COT, TOT, CEA, CBBR
Milestones as a property investor
First residential property in 1982

First commercial (Retail and Offices) property in 1987
First block of flats in 1991
First township development in 1994
First commercial property development in 1995
Developed the Property Pro Software in 2000
Certified Estate Agent in 2002 (not practising)
Developed the Property Pro Workshop in 2002 to teach others my methods
www.propertyschool.co.za in 2002
Certified Business Broker Realtor in 2002 (not practising)
Developed Property Pro Basic course 2004
Bought 48 properties for free in 94 days (to prove a point - because students said
it could not be done)
Increased passive property portfolio by more than R100 000 per month in less
than 100 days
Did Masters thesis on "Residential Property as an Investment Instrument".
Developed the Advanced Property Investors Course 2005
Milestones as an Entrepreneur
Started first business at the age of 10 years

Numerous start up ventures
Wrote an advertisement in less than 30 minutes that has made more than R18
million
Started a business with less than R 1 000 and turned it into a business
generating more than R10 million per year
Started a business with R0 (to prove a point to a sceptic friend) and made more
than R50 000 net Profit on the first day of trading.
The first business in the "mentors program" made more than R128 000 net the
first day
Became a "Virtual Millionaire" in a single day.
Turned 79 cents into more than R1 000 000 in less than 40 weeks – showing the
results weekly on the internet.
Developed the Wealth Pro Program – a unique financial software tool that will
revolutionize the way people do their own financial planning.
PhD (Cum laude).
Did his Doctoral Thesis on “Applying the Formula For Wealth Creation in
Developing Entrepreneurs and Investors”

Page 285
Milestones as a Wealth Creator.
During the first 40 weeks
Started three new profit generating businesses.

Turned 79 cents into more than R1 000 000 – showing the results weekly on the
internet.
Built a passive income (before Tax) of more than R100 000 per month (Excluding
the Mentoring fees)
Donated more than R315 000 to the Pretoria School of Cerebral Palsy Children
as part of his R1 000 000 pledge over five year period.
Bought two properties
Developed the BOSS Financial Calculator Suite
Developed the following websites
www.hannesdreyer.co.za
www.privatelessor.co.za
www.privateletting.co.za
www.sacontracts.co.za
www.blacklist.co.za
www.npo.co.za
www.propertyinvestments.co.za
www.propertyonauction.co.za
www.referralserver.co.za
www.addserver.co.za
www.voucherserver.co.za
www.ringowners.com
Milestones as an Author
The Seven Laws of a Property Investor.

Property – The Road to Riches.
Wealth – A Technical Approach
The Art Of Selling Is Never To Sell
The Basics of Property Investments
Trust for the Entrepreneur

Page 286
Milestones as Financial Planner
Started career as an insurance agent for Old Mutual in 1982

Joined Volkskas as a broker in 1987
Top-10 Volkskas broker two years in a row
Passed the Institute of Life and Pension Advisors exams (ILPA) in 1988
Admitted as a Fellow of the institute of Life and Pension Advisors (FILPA in
1989)
Certified Financial Planner (CFP™) and admitted as a Fellow of the international
affiliated Financial Planning Institute – (non practising)
Initiated the Volkskas Corporate Brokers concept
Became an independent broker in 1991
Accredited Life Underwriter of South Africa (ALSA) in 1995
MDRT (Million Dollar Round Table - only top 6% of insurance brokers and agents
worldwide qualify for this prestigious award) 1994 -1998
COT (Court of the Table - the top 1% in the world qualify for this award) in 1995
TOT (Top of the Table - only the top .01% in the world qualify for this award. This
is the top 1% of the COT's qualifiers) in 1995
Top 25 in South Africa for several years
Holds numerous International Quality Awards and has received top production
and quality awards as a broker with companies such as Old Mutual, Sanlam,
Momentum, Liberty, Fedsure Life and others
Certified Financial Planner (Not practising)
Independent and creative risk manager (Not practising)
Business consultant and coach (Not practising)
Entrepreneur, Public speaker, teacher and author
Developed several software programs on property investment, financial planning
and unit trust investments
Biggest business learning experience
Started two financial services businesses in one year that ran a loss of more than
4 mil within the first eighteen months.
Turned those businesses single-handedly into profitable businesses after all
"experts" advised that it would be better to liquidate the business because there
was no chance of reviving them.
Current challenge
A mentor program to "mentor" people on investing less than R 1 000 and

converting it into more than R 10 million net (Assets - Liabilities) in less than five
years.
To build a database of 100 000 before the 1st November 2006
Passionate about

Page 287
Wife Tanja – married for 23 years and enjoyed every moment of it
Beautiful daughters Karla and Lara
Teaching people how to become Wealth Creators, by using experience and
knowledge of property, business, entrepreneurship and financial planning
Devising new ways of turning the world upside down and challenging the
prehistoric dynasty of teaching methods
Actively involved in raising funds for the Pretoria School for Cerebral Palsied
Children
Life and living it.
Hobbies
Family
Flying helicopters
Reading
Traveling
Scuba diving
Cycads and nature.

Page 288

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The Amazing Formula For

Wealth CreationISBN 0-620-35348-1

How I made R 1 016 167 from a 79 cents

Dr. Hannes Dreyer

The Amazing Formula for Wealth Creation

I am 48 years old and I am living my dream and my passion.

What is a Wealth Creator?

The underlying purpose of this e-book is to empower you and supply a

The Amazing Formula for Wealth Creation

Your life will never be the same. This I promise.

Don’t be misled by the simplicity of the formula – it leads to spectacular results!

Enjoy the process.

The Amazing Formula for Wealth Creation

The AMAZING FORMULA FOR WEALTH

Hannes has a passion to teach. He wants to provide knowledge, tools and

Hannes is a non-practicing Certified Financial Planner™

This e-book is the direct result of a challenge he accepted in December 2004 to

This book was written by:

The Amazing Formula for Wealth Creation

The Amazing Formula for Wealth Creation

The Amazing Formula for Wealth Creation

THE AMAZING FORMULA FOR

The Amazing Formula for Wealth Creation

Talent develops itself in solitude, character in life's stream.

My passion is to teach willing people how to become Wealth Creators.

I was one of their top insurance brokers.

The Amazing Formula for Wealth Creation

In order to calculate the growth on my surplus I developed the Property Pro

Different kinds of property investments – which one?

The Amazing Formula for Wealth Creation

This was contrary to what I had been trained to believe.

At university and during my studies to become a financial planner I was taught

The Amazing Formula for Wealth Creation

In my negotiations on a property transaction I calculated that I simply could not

The day the offer expired the seller accepted it.

A little security is sometimes worse than no security at all.

The Amazing Formula for Wealth Creation

Let me explain this truth by using an example.

Do you know what the market value is as

I have lost R300 000.

This loss is a real risk. To me losing capital is risk.

I also change a loss of R300 000 into a profit of R300 000.

Let’s take it one step further

The Amazing Formula for Wealth Creation

The ART of investing is to be able to determine the intrinsic value of an

WHY do most people commit financial suicide?

They listen to other people and base decisions on emotion.

This is only the tip of the proverbial iceberg.

The Amazing Formula for Wealth Creation

"People of mediocre ability sometimes achieve outstanding success because they

I could determine the real growth and real

Again, this did not make sense to me as I

By comparing literally hundreds of properties in different areas I quickly realized

I also discovered about two dozen different techniques, strategies or managerial

The Amazing Formula for Wealth Creation

I discovered yet another interesting phenomenon. By applying different strategies

In my free Wealth Creation seminars (for more information visit

I ignored their remarks and experimented with

Hannes, thanks for the wonderful

The next truth

Everything is not always as easy as it seems. Although my money began working

The Amazing Formula for Wealth Creation