That’s how a certain feared liquidator advocate refers to me. What a compliment!

What is this fearlessness of which he speaks? Because I’m not really that fearless. For instance, I’m scared of bad tenants, snakes, and some other scary things that I’m not going to talk about now. This fearlessness of which the advocate speaks has nothing to do with those types of fears, though. He is referring to Financial Fearlessness.

There are so many motivational books and courses that are capable of motivating people and getting them worked up until they’re frothing at the mouth. The problem, though, is that the motivation never lasts for very long. Zig Ziglar says motivation is like taking a bath. You have to do it every day. Yes, I think it would suit motivational speakers like old Zig if you went to his sessions daily, but it would cost you a fortune, because Zig is not cheap. Even if you could afford it, it wouldn’t make much difference to your life. You’d be permanently living in an artificial world.

Oprah Winfrey says, “It is not what you fear that has the power, it is the fear itself that has the power.” Wise words!

If you’re not able to eliminate the cause of your financial fear, you will have to get help on a daily basis to make the fear bearable. If you are kept going artificially you won’t be successful, because the world out there is not artificial. It is very real when things go wrong and the liquidator takes your car and furniture, or when you discover one day at age 65 that you don’t have a pension and that the children see you as a burden. When these realities take hold no artificial motivation is going to save you from the anxiety, depression and struggles that they bring.

People are not indifferent toward these realities. Rather, it’s a case of them not knowing what to do. For most people, these realities are the terrifying fear they carry around with them in their subconscious. This paralysing fear is why people can’t escape from their rut of just existing. They just grind on, every day doing the things they know, the things their forefathers did. If you do things in the same way as they’ve always been done, the result will be the same as it’s always been too. Remember that!

Last week I was invited to speak on SABC’s popular 3 Talk with Noeleen and again I became aware of the terrible fear people have. As I said to Noeleen and to the nation, it can be fixed. The fear can be eradicated. Yes, it’s easy to say these things on TV, people sometimes say to me, but we are ordinary people and we don’t know what to do about the problem. Don’t worry, I will help you!

Some businesspeople have already taken the step of doing something about their lot by starting a business, but fear holds them back – the fear that they could lose their businesses if things go wrong. So they stay small one-man operations forever.

I’ve been in the risk management business for 29 years already and I know for a fact that the fear of “losing everything” is the biggest risk and stumbling block for most people. If you can effectively eliminate that risk and liberate the mind from fear, then that age-old creativity comes to the fore. I have frequently seen small, scared little people turning into big fearless, successful entrepreneurs overnight.

There is no better liberator and catalyst for creativity than the knowledge that you cannot lose anything. Let me complete the liquidation advocate’s description of me to illustrate this. “How does Mr Fearless Coert Coetzee put it? … they can sequestrate me today and tomorrow I shall be living in the same house and driving the same car.” Those are the advocate’s exact words.

This is because back in 1996, with the help of one of South Africa’s best trust experts, Dr P.A. Olivier, I developed a double trust structure that permanently takes away financial fear and motivates people. Today I and thousands of other Treocians know that this is the only permanent solution and the proof is in the fact that as far as I know, not a single family trust, out of thousands we administer, was liquidated.

Those days, I also discovered an offshore structure with the same benefits as you will see when you scroll down, because for the first time ever I am making my offshore service providers available.

Get rid of the fear holding you back for good!

I will help you, because my name is … Coert

(And by the way, it is not fraud. Don’t let the newspapers or the money powers and their cronies tell you otherwise!)

Offshore Product Offering

Last week in the article “Steps to Financial Freedom”, I wrote:

The third step is to protect yourself against idiotic and dangerous elements who shout, “Kill the Boer.” Set up an offshore trust and put some of your assets into it. If the .........................

To read further, please log in. If you do not have an account, please subscribe]]> http://www.lightminded.com/2010/04/19/fearlessness/feed/ 0 http://www.lightminded.com/2010/04/18/offshore-product-offering/ http://www.lightminded.com/2010/04/18/offshore-product-offering/#comments Sun, 18 Apr 2010 17:05:59 +0000 Coert http://www.lightminded.com/?p=1048 Last week in the article “Steps to Financial Freedom”, I wrote:

The third step is to protect yourself against idiotic and dangerous elements who shout, “Kill the Boer.” Set up an offshore trust and put some of your assets into it. If the idiot militants aren’t successful, then you will in any case have a fund that’s growing outside South Africa, and you’ll be able to spend the returns over there, or invest or spend them back in South Africa. If the idiots do succeed with their stupid threats, you can thumb your nose at them.

One of my personal service providers, Treoc Trust Services, now also provides foreign trust services, because so many of their clients are asking for this nowadays. They have concluded a collaboration agreement with a big asset management company on the island of Guernsey – the same company that has been managing all my personal foreign interests for the past seventeen years.

The reaction to the offshore option was bigger than I thought it would be and many people wanted to know more about it because they are ready for the third step!

This is the product offering Treoc Trust Services can provide for all your offshore needs:

Trusts – offshore: This is where we tend to hold all offshore investments being shares and unit trusts.

Companies – offshore: Depending on the clients tax status these companies can hold the investments but mainly hold properties and in some instances are trading vehicles. Properties for example in the UK will belong to the company and the company belongs to your trust. It is the best way for holding property in England. It is .........................

To read further, please log in. If you do not have an account, please subscribe]]> http://www.lightminded.com/2010/04/18/offshore-product-offering/feed/ 0 http://www.lightminded.com/2010/04/14/steps-to-financial-freedom/ http://www.lightminded.com/2010/04/14/steps-to-financial-freedom/#comments Wed, 14 Apr 2010 14:42:10 +0000 Coert http://www.lightminded.com/?p=1039 This week I would like to write about the steps you have to take to Financial Freedom, but before I do that, please allow me to communicate to our Platinum Members first about an urgent matter.

Dear Members

Closed Private Members Evening in Pretoria

I would like to invite you to a private members evening that might change your life forever, because on this evening I am going to introduce you to something that had a great effect on my life when I was introduced to it about ten years ago.

Those days I did a course on live commodity trading and let me give you an example of how spectacular it can be. Some of you might remember how I made mention on some seminars about the fastest $100,000 I have ever made in my life. Yes, I made that profit in about 5 minutes with one trade on the Nasdaq with only $500 of my own money at risk. It was the day the planes crashed into the World Trade Centre in New York!

Now you might say that it was pure luck. I don’t think so. You create your own luck, but most people will never have that kind of “luck” because they will not be ready when opportunities arrive. The best thing about live trading is that these kinds of “luck” are more often than you think. Maybe not to the same extent, but never the less, about everyday something is happening somewhere in the world to create opportunities like this. Any live trader will tell you so. I am not going to elaborate on this topic for now because everything will be disclosed at the members function on April 2010.

I know many of you now wonder what this has to do with the Treoc Way. Let me answer you; absolutely nothing accept for assisting it with lots of easy cashflow. On that evening I am going to introduce you to one of my other companies, Imalemba Ltd. By the way Imalemba stands for Money and Trust!

I know from experience that the Treoc Way is not the only investment method for many of our members. Like me, they have many non-Treoc interests like businesses, stock portfolios, commercial property portfolios etc. With Imalemba we are going to cater for that specific group of our Investors Club and we will introduce you to many opportunities other than the Treoc Way. I saw the need some of our members had for alternative sources of cashflow during the recession and I think Imalemba is going to support the Treoc Way very effectively and it might be the answer to many prayers. So, therefore please keep in mind that this is not going to be a Treoc Way event. It is going to be an Imalemba evening.

We are going to show you how to do your own direct and live commodity trading on the international markets. You are going to earn Dollars and Euros in an offshore account and with the present madness of the ANC ruining the country, it might just be a good idea to do this sooner than later. It is easy, it is very affordable, it is profitable and you are in control. However, we will provide training and support all the way. Start up cost of less than R2,000 for trading capital, joining fee and training is making this very affordable.

Since we are limited in the number of people we can put on the program at a time the invitation will be closed on the first 50 bookings. This invitation is also only for Platinum Members of the Treoc Investors Club.

Please book your seat during office hours at 021 851 2730. If your booking is accepted the detail of the venue will be disclosed to you. Dear members, I would like to ask you to make sure you attend if you are booked. If you cannot make it, please let us know and then somebody else on the waiting list can be invited to take your seat.

Date: 21 April 2010
Time: 18h30 for 19h00
Place: Pretoria
Entrance is for free and a cash bar will be available.

We will soon present this opportunity in other areas too. Make sure you watch your Lightminded mail and make sure your membership is in order.

I will be there myself and I look forward to see you on Wednesday evening in Pretoria!

Steps to Financial Freedom

As you probably know, there have been allegations that “rats” are eating our .........................

To read further, please log in. If you do not have an account, please subscribe]]> http://www.lightminded.com/2010/04/14/steps-to-financial-freedom/feed/ 2 http://www.lightminded.com/2010/04/13/make-use-of-the-buyers-market/ http://www.lightminded.com/2010/04/13/make-use-of-the-buyers-market/#comments Tue, 13 Apr 2010 06:03:38 +0000 Coert http://www.lightminded.com/?p=1035 Easter and Early bird special

The buyer’s market window is beginning to close. Make money with property by making use of the excellent buyer’s opportunities now while there is still time!

True to our custom and wishing to make our property investment seminar affordable to more people, we have an early bird special.

All people booking and paying before 30 April 2010 for the undermentioned seminar dates, get a discount of 20% on our normal seminar fee and our seminar fee increase later in the year will not be applicable on you.

The new improved Financial Freedom Seminar which is still the only holistic wealth creation and protection system in the country will be presented on the following dates:

11 May 2010 – Johannesburg
21 May 2010 – Pretoria
27 May 2010 – Cape Town
03 June 2010 – Durban
04 August 2010 – Port Elizabeth
01 September 2010 – Bloemfontein

Money-back guarantee:

If you are not satisfied with the content or value of the seminar and do not want to be a member of our club, we will refund 100% of your seminar fee.

The Normal Seminar Fee:

• R3900.00 per person
• R2250.00 per person in a group of two people
• R1600.00 per person in a group of three or more people

Please note; You only qualify for the special discount of 20% on above prices if it is: Booked and Paid before 30 April 2010! Rather not waste time because seats are limited and were sold out within a week during our previous special.

For further information call +27 21 851 2730 (during office hours) or +27 83 273 5041 (after hours) or send an .........................

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As you know, an investment in residential properties like the Treoc type of entry level townhouses in security estates, is one of the best methods available to accumulate wealth and to provide for one’s own retirement with minimal property market risk. The reason for this is simple, although not everyone understands it: Use other people’s money, like the banks and tenants, to pay for your investment and use other people’s time, like the property managers we recommend, to manage your investment. The wealth or return on your own investment, is created by the combined effect of the gearing, using the bank’s money, and the growth in the value of the property.

The property market in the market segment that Treoc recommends, will reward you handsomely provided you are in it for the long run. This is not a “get rich quick” method to acquire wealth. It requires patience and a long-term investment horizon.

The property market does however at times provide different levels of returns depending on the specific market location. For example, the rental escalations or growth in property values may be different in Johannesburg and Port Elizabeth during a particular measuring period. In extreme cases, which should not happen provided that the properties are acquired and managed on the basis that Treoc recommends, a particular location can at times provide for negative returns for a long period or the rental demand can plummet, if for instance a major employer in the specific area disappears. This is however part of the risk that a property investor is faced with and this risk should be managed using the methods and techniques that we recommend.

The above is not new information; it merely summarises the reasons why entry level residential property is such a good investment and describe the risk that exists due to the location of one’s property portfolio.

At Treoc we are always exploring different ways to provide new opportunities for our loyal members. We are currently exploring a new form of property investment based on the tried and tested methods that we have been advocating since 2002 and that we have followed ourselves long before that. I am going to explain it in simple language – do not be offended or feel that I am underestimating your intelligence.

Treoc is investigating a different property ownership model in the form of a separate residential housing property fund in a new company that owns properties and that runs it’s property business on a similar basis that Treoc recommends that it’s members do. This will operate in a similar way as the listed Property Unit Trusts (PUTs) and Property Loan Stock companies (PLS’). The difference being the amount of gearing we plan to follow according to the Treoc methodology, and the Treoc type of properties we plan to acquire. There is currently no residential property fund available to invest in as the PUTs and PLS’ invest in commercial and industrial properties. Currently, the only method available to investors to acquire residential property market exposure is direct ownership or via syndication. The housing fund will be a first of his kind in South African and Treoc will lead the way although this will be followed by people trying to copy our unique business model.

This Fund will follow the same process that you as an individual property investor follows: Buy the right property in the right area, obtain external finance and appoint a property manager to manage the property. The Fund will however provide the following added benefits:

1. Diversification of assets and location risk

The Fund will own a number of properties in different locations. For example 1500 different sectional title units across the country and in different suburbs in each town that we decide to add to the portfolio. The benefit of this is that a downturn in a specific property location will be shared amongst all investors. If an individual investor owns a property in an area where the property market is not performing, that investor will be exposed to the full risk. In the Fund, this risk is shared amongst all Fund investors. Compare this with .........................

To read further, please log in. If you do not have an account, please subscribe]]> http://www.lightminded.com/2010/04/12/our-own-listed-property-fund/feed/ 6 http://www.lightminded.com/2010/04/07/cashflow/ http://www.lightminded.com/2010/04/07/cashflow/#comments Wed, 07 Apr 2010 04:56:00 +0000 Coert http://www.lightminded.com/?p=1018 What do Business and Provider Trusts have in common?

Scroll down to the second article in this letter for my view on our Investment Future in the country after the incidents of the long week-end, but firstly it is about the topic of the day, cashflow!

Most people know the Treoc Way, which continually “milks” capital growth on a certain type of property. By the way, the sustainability of the Treoc Way is being questioned these days, because some people aren’t able to “milk” the properties that they bought a year ago. These critics know nothing about the Treoc Way; or, if they have attended a seminar in the past, they’ve probably forgotten that we only milk the “cows” about every four years. Even recently, during the worst property slump in many years, it was still possible to refinance, because all Treoc-type properties were worth more than they had been four years before.

Another aspect of the Treoc Way that critics conveniently miss is that you need income to be able to get bonds and you need cashflow to service shortfalls, if you have shortfalls. I can’t think of a single seminar where I haven’t mentioned this, and even emphasised it.

That brings me to today’s topic: cashflow, and the instruments outside of the Treoc Way that we use for this.

That is a Business and a Provider Trust. Just as many Treocians are still not “aware” of the things that they heard on the seminars, I think that, although we’ve already written and talked a lot about these two cashflow instruments, there are still a lot of people who don’t know about them. These two things can be seen as the factory that makes the fuel for the money-making machine, as I call the property trust that we use for refinancing. Just remember that no machine can run without fuel.

A Business Trust is the ideal cashflow generator – cashflow that’s used to pay your living costs or to pay for the maintenance of the money-making machine. Once again, as with all our structures, your business will be in a completely separate structure to your assets and liabilities. If it’s correctly structured, you won’t lose any business assets if something goes wrong with the business. This, and a whole lot more, is the information that I personally present at the new Financial Freedom seminars as from April 2010.

A Provider Trust is the income-generating entity that provides for needs like shortfall subsidisation, pension requirements, university costs or whatever else you need to provide for. Not all of us can or want to be businesspeople, but the fact is that we’re all going to get old, and the Provider Trust is an entity that’s ideal for everyone (including young people, salary earners and even students) to use to generate an income that can never be lost. That’s right: even if you end up in financial difficulties, you can’t lose your Provider. The trust deed differs substantially from our other trust deeds, and it offers even better protection than our other trusts.

You may remember that I wrote in January about the Provider Trust. See http://www.lightminded.com/2010/01/17/the-provider-trust/. .........................

To read further, please log in. If you do not have an account, please subscribe]]> http://www.lightminded.com/2010/04/07/cashflow/feed/ 6 http://www.lightminded.com/2010/03/26/golf-estate-drought/ http://www.lightminded.com/2010/03/26/golf-estate-drought/#comments Fri, 26 Mar 2010 15:48:26 +0000 Coert http://www.lightminded.com/?p=981 Drought and Money

I think it’s common knowledge that the Southern Cape (George and Knysna area) is the region where the highest number of golf estate developments have sprung up over the last few years. I think it’s also common knowledge that the Southern Cape is the region where the worst drought in 80 years took hold during the 2009/2010 summer. So what do these two things have in common? Water! And what does this mean for a property investor? Money!

The government already announced several years ago that new golf course developments would have a tough time getting approval. The main reason they gave for this was the fact that a golf course uses a huge amount of water. Whether that’s true or not and whether the Southern Cape’s water shortage is as a result of the golf course developments or not doesn’t matter much. What does matter to me as a property investor is the government’s decision. It’s a decision that is without a doubt going to make lots of money for the long-term investor.

This decision by the government is going to cause the supply of golf estate properties to drop further and further below demand in the future. It’s not that supply is decreasing terribly, but rather that it’s stagnating. The excessive demand is being caused by the fast-growing upper middle-class, which has developed out of the fast-growing middle-class, and all of this is being driven by black empowerment. I see it as opportunity after opportunity after opportunity!

The ultimate status symbol for the nouveau riche is to live on a golf estate. Recently there’ve been numerous reports about high-up members of the government – even ministers – who are letting their expensive state residences in Pretoria stand vacant because they’d rather occupy houses in Woodhill Golf Estate in Pretoria. Soon Mr Julius Malema, who is getting rich so quickly now, will almost certainly also want to assert his status with a house on a golf estate.

Another big reason that the supply is going to stay limited is that long-term investors like the rich Europeans are buying their summer houses on golf estates in South Africa. The Erinvale Golf .........................

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The Provider Road Show kicks off this week with presentations at:

23 Maart – Cafe Pavillion – Polokwane ( Afrikaans)
24 Maart – NG Kerk De Tyger, Parow-Noord (Afrikaans)
31 March – NG Kerk, Umhlanga (English)

Just to get you in the right mood, I thought it might be a good idea to remind you about the reasons why you should create your own PROVIDER trust or pension fund. Take a look at these headlines and newspaper extracts. They steal your money and you have to work for the rest of your life while they retire in style … with you money! Let us stop it now!

(A special word of thanks to the people and institutions who made their premises available and to CANSA for supporting it and for poviding the administration.)

“The rats who ate our pension

Sanlam and its investment division, Sankorp, were the single-biggest beneficiaries of the “Ghavalas option” and all those who thought Sanlam would now rush to do the right thing were wrong.” Noseweek – September 2009

“A 61-year-old man who was found guilty of fraud on Monday was ordered to pay back R18,6-million in compensation, SABC radio news reported on Monday. Mail & Guardian 02/03/10

“Massiewe administratiewe bedrog” het meegebring dat Transnet een van sy pensioenfondse tot R20 miljard kan skuld.” James-Brent Styan Fin24

“… the arrest last week of seven individuals linked to pension fraud of more than R214-million, two of them worked at Alexander Forbes.” iAfrica.com 27 July

“Dis ‘n ernstige oortreding van die Wet op Pensioenfondse. Pensioengeld mag nie in die werkgewer-maatskappy belê word nie, tensy die Registrateur van Pensioenfondse toestemming gee,” Die Burger 16/10/01

“Ghavalas admitted to masterminding a pension fraud scheme that ransacked seven pension funds of R300-million.” Mail & Guardian 02/03/10

“n Werknemer van Behr SA het sowat R1.8 miljoen uit die maatskappy se salarisse en pensioengelde verduister.” Nuus24 02/10/09

“Johannesburg – Twenty-six businessmen, together with the country’s biggest pension fund administrator, are due to appear in court on Monday on charges of siphoning off up to R800 million from various pension funds.” Wiseman .........................

To read further, please log in. If you do not have an account, please subscribe]]> http://www.lightminded.com/2010/03/23/%e2%80%9cthe-rats-who-ate-our-pension%e2%80%9d/feed/ 2 http://www.lightminded.com/2010/03/12/how-to-fast-track-creating-annuity-income-in-the-current-economy/ http://www.lightminded.com/2010/03/12/how-to-fast-track-creating-annuity-income-in-the-current-economy/#comments Fri, 12 Mar 2010 06:35:23 +0000 Coert http://www.lightminded.com/?p=955 Somerset West – Member & Subscriber Network Function – 25 March 2010

Dear Members and Subscribers

Things are happening fast. After my recent mail ”The banks have no more money”, our members answered to the call and I received many mails with suggestions and ideas. I am busy now with people representing moneylenders in India and Australia amongst others.
Our members introduced me to wonderful entrepreneurs. Some ideas are so wild that even I cannot go along with it. One was to start our own bank and I was astounded to find out how easy it is. We are looking seriously at that one and hopefully I will be able to make an announcement soon.

In the process I have met & partnered alongside a very interesting young man who I would like to introduce to everyone. I am not going to tell too much now. It will all be revealed at the next member function in Cape Town. Just to tease you a bit; Sean, a fellow property investor like us, has no formal education however being like-minded had set up enough assets by the age of 28 that he never has to work again in his life. Today at the age of 35, his asset base creates ongoing cashflow of hundreds of thousands of rands per month. Sean is an expert and speaks on “How to Fast Track Creating Annuity Income in the Current Economy.” I think this is the answer to shortfalls!

I believe there is great synergy as fast-tracking cash flow helps us to fast track our property portfolios regardless of the banks “having .........................

To read further, please log in. If you do not have an account, please subscribe]]> http://www.lightminded.com/2010/03/12/how-to-fast-track-creating-annuity-income-in-the-current-economy/feed/ 9 http://www.lightminded.com/2010/03/11/no-work-no-pay/ http://www.lightminded.com/2010/03/11/no-work-no-pay/#comments Thu, 11 Mar 2010 03:34:00 +0000 Coert http://www.lightminded.com/?p=943 During his time as CEO of the Treoc Group, Jose Delgado established the Club Franchises. The idea was good, but its execution was unfortunately a massive failure, for the following reasons:

1. Some of the franchisees were not successful property investors themselves, but had to give advice to potential property investors.
2. Then there were other franchisees who didn’t care much about their members. For them it was just about making money at any cost.
3. Most of the franchisees had no business experience and so they weren’t capable of running their franchise businesses successfully – especially not once the recession hit.
4. A few franchises were very well managed and worked well, but unfortunately they couldn’t survive the recession.
5. All the franchises, without exception, could not meet the marketing requirements in terms of the franchise agreement.

After Mr Delgado’s departure, Treoc entered into an agreement with Mr Desmond Seeley to solve the franchise problem. Mr Seeley submitted a full proposal to Treoc’s executive management and gave the assurance that he would achieve the proposed corrective objectives within .........................

To read further, please log in. If you do not have an account, please subscribe]]> http://www.lightminded.com/2010/03/11/no-work-no-pay/feed/ 0 http://www.lightminded.com/2010/02/17/the-banks-have-no-more-money/ http://www.lightminded.com/2010/02/17/the-banks-have-no-more-money/#comments Wed, 17 Feb 2010 10:54:09 +0000 Coert http://www.lightminded.com/?p=903 It is time for us to help ourselves

This week I have good news and bad news, but let’s kick off with the good news!

Good News!

According to ABSA’s latest Quarterly Report as published on 15 February 2010 the prices in the middle segment of the South African housing market, which is the market in which we invest, grew with 4.7% year on year for 2010! What makes it even more special is the fact that the apartment blocks in the CBD areas of Johannesburg with a negative growth of -11.5% is part of this. Take that out and I am sure we talk double growth figures for our type of properties.

Growth for the last few years were:

2007 – 16%
2008 – 1%
2009 – 5%

This is phenomenal if you keep in mind that it was achieved during the worst recession in 70 years.

The property market is recovering fast and I hope you are part of this party!

Are there still any fools out there doubting the property market? I don’t think so and I rest my case as they say in the movies!

Capital growth of 4.7% can easily be geared to 47% return on investment per annum if the banks only had money!

This brings me to the bad news:

The banks have no more money

This is common knowledge; anyone who has recently applied for a bond or refinancing will know what I am talking about.

What is our solution?

Our investors’ club is looking for an institution to finance the properties belonging to our thousands of clients. A rapidly growing book of R36 billion at a prime rate of 10.5% at the moment must surely be one of the best investments in the world. It’s also safe, because it is backed by bricks and mortar, in a property market that held up better than any other property market in the world during the recession.

Something else that is important to know for a potential financier is that we are talking here about an exceptionally healthy book, since our investors’ club members are all trained investors with access to specialised property management software. This is why our clients have the lowest default percentage of all groups in the country according to the banks.

Somewhere out there in the world there must be an institution with money who can spot the opportunity of a lifetime, and who chooses to invest their money in a strong and solid economy rather than in something built artificially and on sand, like Dubai.

I am sure our members know someone who knows someone who can finance us. Let’s look after ourselves for a change! So I’m putting out a request to our thousands of Lightminded readers:

Please send this article to as many friends and acquaintances as possible.

I and my team of experienced and highly qualified experts are prepared to make a full presentation to a potential financier anywhere in the world, at our own expense.

Regards
Coert Coetzee
coert@lightminded.com.

Brainwashing

Contrarily to what most people will believe nowadays is that I am actually an introvert and old friends from the distant past cannot belief that I present seminars and can speak in front of hundreds of people. In the old days it was difficult for me to speak in front of people in my home language and speaking in English was impossible!

How is it then possible that I can do it now as I am doing for the last seven years and even if I have to say so myself, I think I am not too bad! It is actually very simple. I told myself over and over I can do it and that I can even do it in English. The following article reminded me about those days. I hope you will enjoy it!

Positive Brainwashing

By Cornelis Boertjens on www.MindPowerNews.com

Brainwashing is a term perceived in a negative way by most people. But you know what, I think our brains could actually do with a bit of a washing sometimes!

You see, everyone comes into this world with a clear mind, and a belief that everything is possible. All is positive and well. Remember as a child, you could do and become everything, without any boundaries!

As we grow up however, we pick up beliefs, fears and limitations from our surroundings and peers that gradually form the person we are today. A lot of these beliefs unfortunately are negative and as we build our lives they limit us in our actions and being. Very often they therefore contribute to unhappiness or feeling unfulfilled in our lives and business.

It can be the smallest — seemingly harmless .........................

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I am astounded by the overwhelming response we received to last week’s message about the Provider trusts. Our readers showed once again that they care about their fellow man, and also that they are aware of the fact that the pension industry is leaving people in poverty.

Just to emphasise the problem again, last week, while I was waiting for the dentist, I came across an old Noseweek from 2008, and the following headlines about the pension industry immediately grabbed my attention:

“Investec’s multi-billion rand pension rip-off”

“Directors ‘assumed’ thousands of elderly were dead – so they could grab their cash”

“The banking group is confident it will succeed in making the pension fund case go away by throwing enough lawyers at the problem”

These kinds of problems are common these days, of course, and that’s why the response to the Provider trust has been so favourable and overwhelming!

We have already received various invitations to present it to groups and clubs. David de Jager of Polokwane was first, and offered us his 300-seat conference facilities for free. It looks to me like we’re going to kick off there with the first Provider mini-seminar. I’ve already started working on my presentation!

The positivity brought about by the good response is contagious, and Kobus Oberholser, Managing Director of Treoc Trust Services, told me that he would be prepared to drop the registration fee for his Provider trust from R3900 to R500, specially for the attendees of the Provider seminar. People, this is a huge gift, and I want to thank Kobus and his team from the bottom of my heart on behalf of all of us! By the way, no-one will be obliged to take a trust through Kobus, but if you would like to, it’s just become an opportunity that you can’t afford to miss.

As you know, last week I wrote that I would present the seminar for free if I could get the facilities for free. But I want to change that now. Wait, wait, before you accuse me of all kinds of horrible things, I’d like to make the following suggestion: I want to ask a charity organisation in Polokwane, as well as in all the other towns where we’re going to appear, to man the registration table for us on that day, to sell coffee and tea, and to collect an entrance donation of at least R50 per person at the door. Those who would like to can donate more, of course; this income will go 100% to the charity organisation. If we can get 300 people at R50 per person, that’s R15,000. And they’ll be able to earn something from the coffee sales as well.

Kobus and his team have also offered to take over the logistical arrangements for the Provider .........................

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(Sien Afrikaans teks onder)

In recent newspaper reports arising from the questioning of witnesses in the liquidation of a trust with the name of the Surf Trust, the following allegations, amongst others, were made regarding Treoc Finance – our bond initiation wing:

– That the trustee qualified on an income of R17,000 for bond financing to the value of R2,900,000;

– That I, according to statements made by José Delgado (a former director of Treoc and a trustee of the Surf Trust), encourage members to commit fraud;

– That Treoc applied on the same day to 4 different banks for financing for the Surf Trust, with the intention of misleading the banks, in that each of them would not have been aware of the other applications;

– That if ABSA Bank had been aware of the other applications, they would not have approved the bond of R330,000.

In light of these allegations, I called for further investigation. If they were true, this would be completely in conflict with the “Treoc Way”, as our method is known. Any one of the approximately 17,000 people who have already attended my seminars can testify that I place great emphasis on the fact that you must be able to afford the bonds. I believe that anyone who has had their bonds arranged by Treoc Finance will be able to attest to the fact that a proper affordability analysis is done for the client. Treoc Finance’s analysis instrument is approved by all the big banks; the client declares his financial situation on it, and then signs it.

What bothered me in particular with regard to this specific case was the fact that the client declared his income to Finance by means of an income certificate from his auditor. However, the income did not correspond at all with the income that he apparently later declared to the liquidator after the bank had repossessed his property.

The following facts emerged from the information that Treoc Finance provided to me:

– It was not a bond for which Treoc had applied on behalf of the Surf Trust (and not on behalf of the trustee), but a further advance of R118,000 (and not R330,000) pursuant to a bond for R430,000 that was already registered at that stage;

– The trustee’s income was verified by his auditor as R36,651 (and not R17,000);

– The application for the further advance was accompanied by the trustee’s bank statements and the ABSA Bank form completed by Treoc Finance;

– Treoc Finance fulfilled all of ABSA Bank’s requirements at that stage in all respects (and in no way were any misrepresentations made regarding the trustee’s income and obligations);

– This further advance of R118,000 was the only bond for which we applied on behalf of the trustee that day (and not 3 other bonds at 3 other banks);

– As far as our information goes, the ABSA Bank bond of R430,000 was the only bond registered in the name of the Surf Trust at that stage; and

– Every time that bond financing was applied for for the trust, Treoc Finance was satisfied – on the strength of the income that was verified by the trustee’s auditor – that they were working within the affordability parameters maintained by us, and when things moved too close to these parameters, the trustee was made aware of this.

I don’t want to go into more detail at this stage regarding this specific case, since I have been advised that the information could possibly be presented in court as evidence and I don’t want to interfere with the legal process at all.

And yet something must have gone wrong somewhere, seeing as how the Surf Trust was eventually liquidated. I would very much like to know what it was – as Treoc is not indifferent to the fate of its members and also doesn’t follow any strategy to make any misrepresentations to any financial institutions, I would like to prevent a repeat of the Surf Trust’s fate if possible.

One of the possible reasons for the problems that confronted the Surf Trust came to my attention on 28 January 2010 in Somerset West, at the Treoc seminar that took place that day. By the way, this was one of the biggest seminars ever in the Western Cape. (I wonder whether the newspaper reports had anything to do with that?) One of our long-standing members had attended the seminar again on that day, and afterwards she came and spoke to me. She showed me a document that indicated that one of our former employees, .........................

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Money always moves from the impatient to the patient ones!

This in itself isn’t news, because I think everyone knows it; but what is strange is the fact that we don’t want to acknowledge it. Sometimes we do in fact acknowledge it, and we decide to be more patient, but as soon as the interest rates go up or a recession hits we forget this simplest of all investment principles and end up doing things that we’ll regret for the rest of our lives. We sell our investments! Some of us sell them at such low prices that we might as well just give them away. Why?

The reasons for this centuries-old mistake made by supposed investors are varied, but I think the biggest reason of all is because we get in too heavily when things are going well. It’s as if we think that things are going to go well forever. We know they won’t, though, because we’ve had plenty of bad times already; but during the good times we get brainwashed by overly positive media reports and opportunistic investment advisors. They make it sound as if we’ll find ourselves terribly far behind everyone else if we don’t put everything at stake now. We plunge ourselves into debt to try and catch up with seasoned investors who’ve been practising long-term investment for ages already. Someone one day said to me that her goal was to own more properties than me as quickly as possible. In the process, she built up her portfolio at a pace that scared even me. And I don’t scare easily!

One of the other reasons that people panic and sell too quickly is also quite simply the media’s .........................

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We introduced this product in January 2009 as the Treoc Pension Trust, but after I received numerous questions on how to ensure growing income to make continuous refinancing possible, I realised that many people do not understand the multiple-use purpose of this trust. Maybe the name was a bit misleading. Therefore I have decided to change the name and content slightly and re-launch it as the Treoc PROVIDER Trust.

I’ve often written about how suitable a small property portfolio in a trust is as a sustainable pension that keeps pace with inflation. A portfolio like this is also an excellent provider for income and the cost of your children’s tertiary education. Over the years a lot of our members have set up portfolios with these goals in mind, but in most cases the good intentions have faded and changed, or have been forgotten entirely. I did a bit of investigation and came to the following conclusions:

1. The pension goals get forgotten very quickly and the trust is then treated like a typical “money making machine” trust where refinancing takes place continually.
2. As soon as the equity amount becomes substantial, greed takes over in some people and they want to get their hands on it. And they don’t just refinance the house, they often sell the property to get access to the money.
3. As soon as the economy weakens, the long-term plans are overshadowed by fear, and bad decisions are made. The result is usually a lot of self-reproach when the market turns again later – as it’s been doing for centuries already. Then we want to start from the beginning again; but with a pension plan you can’t afford to start over again each time. Every year later is one year fewer, and when you look again there’s no time left anymore to build a pension.

A trust that is set up for provision and pension purposes must be treated completely differently to the property trusts or so-called “money making machine” trusts that we talk about at the seminars. To help our members make a clear distinction between ordinary property trusts and provider trusts we have, together with our trust attorneys, designed a trust deed that does not just look different, but is also managed differently. The wording of the trust deed and the administration of the trust make it resistant to all temptation, thus ensuring that the long-term goal can never be ignored. .........................

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Over the past few months, I’ve been driving around a lot looking for investment opportunities in the farming industry. In the process I discovered something I’d never realised before in all my years of involvement in agricultural risk management. It’s strange how something that you know suddenly acquires new meaning when the penny drops.

Very few farms are investment material, which is actually shocking. Our farmers may well be the best in the world when it comes to farming, but when it comes to business principles and administration we lag far behind the rest of the world. It’s not that our farmers can’t handle their administration – in fact they’re quite good at it, because keeping two sets of books for the same business isn’t easy. It’s a juggling act, my friend, a tricky juggling act. So if they’re so good at their administration, then you’re probably wondering what the problem is. The problem is a lack of principles – both moral principles and accounting principles.

The principle of keeping two sets of books, which is of course dishonest and unethical, is something that gets passed down from generation to generation. It’s so much a part of some farmers’ lives that the mere suggestion of having their books done correctly, ethically and professionally is met with the strongest objection. In some cases it’s so much a part of their lives that the dishonesty of it doesn’t even enter their minds anymore.

Let me explain why it’s not just dishonest, but in fact criminal. Let’s use one of the simplest examples: it is unlawful to not put cash income through the books. Some people will ask what’s wrong with that. And by the way, it’s not only farmers who are guilty of this – thousands of business owners do exactly the same thing. Those who are guilty of this think they’re saving on tax by doing it this way. Friends, that’s not how it is. You aren’t saving tax money, you are stealing tax money. There’s a very big difference between saving tax and evading tax. The former is legal, but the latter is a criminal offence. One person told me he’d rather keep the money than give it to the government, because there it gets stolen by crooked government officials. That is wrong! As the saying goes, “Two wrongs don’t make a right.” You can’t steal the government’s money because you’re scared somebody else is going to steal it!

But .........................

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Every time that I make a remark like the one in the heading, there are people who attack me – especially if I say that it’s easy and that anyone can do it. Some people say I’m crazy, others say I’m an idiot, and some even say that it’s fraud. Lots of people also firmly believe, quite rightly in most cases, that if something sounds too good to be true, then it’s not true. Perhaps everyone else is right and I am wrong, but can you imagine how you’re going to kick yourself one day when you discover that I was right? Why don’t you just listen for a moment to my method before you decide that it’s impossible?

The numbers speak for themselves – all you have to do is go to www.treocinvestor.com and enter your free login details. Then go to the Shared Investor link and click on the Deals link. There you’ll see various deals. Click on House 1 and page around a bit. You’ll see on the Deal Projection page that the return on investment for that house is 204.18% in the first 5 years. That means an average of 40.8% per year. House 2′s return is 345.34% in five years, or an average of 69.1% per year. Click on the Deal Settings and see whether the assumptions I’ve used are acceptable.

Now decide whether I’m mad or not.

The above-mentioned examples assume 90% bonds and that costs will be paid out of your own pocket. That’s realistic, isn’t it? Can you imagine if I could do everything, costs included, with financed funds? Most of our members are doing these things without it costing them a single cent!

If you’ve .........................

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Between 2001 and 2009 the value of my stock portfolio grew by 175%! Don’t forget that these years included the worst recession since 1933.

What is my secret?

1. No activity
2. Hand-picked shares

This sounds easy, but there are many years of experience and “school fees” contained in the above “secrets”. It started with my investor training in 1989 at the Stock Market Investors’ College.

Early in my investment career I learnt that activity in shares leads to huge costs and losses. It was this same knowledge that I began, in later years, to apply in my property portfolios, with great success. But the fact is that the company or property in which you invest must be very carefully selected to make inactivity work. But if you can get it right, you can travel the world, smell the roses and present seminars. This, as you already know, is the story of my life.

Because of the popular property investment seminars that I’ve been presenting since 2003, thousands of people already know what my property principles are, but few people know my share principles. We now have members in the club who are highly successful with the Treoc Way of investing in property, and I get lots of enquiries about how they should invest this .........................

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The fact that our methods are ground breaking came out in a letter of appreciation from one of our members. She wrote the following letter to Treoc’s CEO:

Dear Mr. Deyzel

RE: Recognition for excellent service rendered by Theo Naude from TREOC Accounting, Pretoria and Hanlie de Boer from TREOC Accounting Randburg

We joined Treoc as Platinum Members in 2007. At that stage we already owned 5 properties which we were then advised to transfer to the newly created Investment Trust using the usufruct method.

In September 2009 we received notification that SARS was conducting an audit on my husband’s personal tax returns and the investigating officer specifically requested information relating to the transfer of the properties. It was explained to her that the transfers were done using the usufruct method, but she insisted that either capital gains tax, transfer duties or donations tax was payable. Needless to say this caused a great deal of stress and angst in our home.

I contacted Theo Naude at the Pretoria office regarding this matter, and he referred me to Hanlie de Boer in Randburg. Hanlie was very knowledgeable and even offered to speak to the SARS investigating officer personally so that she could explain to her how usufruct transfers works. This was a great boost to our morale, as the SARS investigating officer was becoming rather insistent that we owed a great deal of money.

After providing SARS with all the documents that they requested (proof of registration date, property values, transfer duties paid, title deeds, etc.), the investigating officer still felt that there were duties payable.

Theo and Hanlie communicated directly with SARS, providing .........................

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It’s common knowledge that compound interest is the most powerful wealth-builder in the world. Well, let me rather say that that’s what most people think. Informed people like the Treocians know that there is a far more powerful wealth-builder: compound capital growth on a particular type of property that is managed according to the Treoc Way.

I specifically mention the “Treoc Way”, because not all capital growth is as spectacular as this particular type. Let me give you an example: shares, for instance, also increase in capital value, but the only way to unlock that value is to sell the shares and pay tax on the capital gains. This also applies to property that is managed according to any method other than the Treoc Way. With the Treoc Way it is possible to withdraw the capital growth without selling the property, which makes the capital growth 100% tax-free. This method is the only way in the world to legally keep it tax-free, while still being able to keep the property. This enables you, for the rest of your life, to repeatedly generate tax-free capital from a sustainable source, which is more powerful than compound interest. .........................

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by Coert Coetzee

True to the nature of Treoc, we’re always seeking and finding solutions to problems. One problem investors are currently facing is that, as a result of the credit crisis, the banks can no longer give us the bonds that we want. After doing thorough research, having long conversations and getting legal opinions, we’re ready to announce the solution for the property industry’s struggle with the banks. The solution lies in a very old law, which was last used on a large scale in 1998, when the interest rate was 25.5%. I’m referring to the Alienation of Land Act no. 68 of 1981, which we’ll call ALA for short.

ALA regulates the purchasing of property on an instalment agreement, protecting the rights of both buyer and seller. Before we look at the main features of this law and see how it’s going to solve our problem, we should first have another look at exactly what our current problem is.

In the six years since we started with the Treoc Way, our members have made the most of their resources and have built up large portfolios. Some of our members have since encountered problems, like losing their jobs or their businesses, or even just losing big contracts at their companies. Whatever the case, some people are having financial difficulties at the moment and cannot service their bonds. The only solution for some is to decrease the size of their portfolios, in the same way as a cattle farmer has to decrease the size of his herd when there’s a serious drought. It’s easier said than done, though, because the market is flooded with properties and there aren’t a lot of buyers. Buyers are scarce because the banks are making it difficult for them to buy.

We all know that we currently have the best buyers’ market in many years, but we can’t take advantage of it because the banks don’t want to grant bonds. Even at Treoc there are far fewer people qualifying for 100% bonds than there were .........................

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