How to Wreck-Proof Your Wealth Plan – Part 2

Creating wealth is as dangerous as stalking a wild animal: if we do not understand everything possible about money and treat it with respect and manage it with great skill it will destroy us as quickly as any beast of prey.



According to Theun Mares in his book The Return of the Warriors: life is as much about hunting today as it was in the past when men were the hunters going out each day to hunt for food. In those days they took the hunt very seriously. Hunting animals was a dangerous business and if you put a foot wrong you could end up being the food rather than bringing it home. On the other hand if you simply sat at home and waited for the food to appear it very rarely did.


Today we no longer have to hunt for food; we buy it at the supermarket with money. But don’t kid yourself nothing has changed. While we no longer hunt for food we still have to hunt for the money with which we buy it. Sitting at home waiting for the money to arrive is about as stupid as the hunter waiting for the Kudu to politely arrive at the door and accidentally fall into his cooking pot. We have to go out and stalk it.

The hunter leads a disciplined life and is totally dedicated to hunting. The hunter is a disciple of hunting and directs all his efforts towards knowing everything possible about hunting. And stalking money is as dangerous as stalking a wild animal.


Creating wealth is exactly the same: if we do not understand everything possible about money and treat it with respect and manage it with great skill it will destroy us as quickly as any beast of prey. Money is a slave and it works for whoever puts it to work. Money will provide the best return to those who manage it correctly and will destroy those who show it little respect. Money has no mercy.

In the same way that a hunter lives the hunt to the full in order to succeed, so we today must direct our full attention towards money if we wish to conquer it and succeed in this arena of wealth creation. Wealth does not fall into anyone’s hands by chance; it has to be captured with patience, slowly and carefully.


A Wealth-Generation-Plan or Budget is one in which:

  • You hunt money with dedication, integrity and care.
  • Your target is to get every rand of income to generate another rand. This is the ideal and you may never quite achieve it; but the closer you get the wealthier you will be.
  • Wealth generation and financial security come first; you come second and luxuries come last.
  • Your first target is to stop paying PAYE Tax; in other words to eventually earn an income other than from a job.
  • Your second target is to put seed capital before any other outflow or expense; that is to allocate the very first part of your (after tax) income to investing money in such a way that it will bring back more money – i.e. growing your money. The secret of wealth is acquiring income generating assets.
  • Your third target is to set aside money to get out of debt.
  • Your fourth target is money to meet your monthly financial security goals.
  • What is left will have to meet the balance of your needs and keep you alive and healthy – e.g. food, clothing etc.


If we combine wealth-protection, wreck-proofing and Kiyosaki’s three stages of wealth-creation we end up with a 3 stage wealth-protection checklist that will work something like this depending on your needs and circumstances:


  • Setting out your investment philosophy and your investment guidelines which incorporate your lifestyle and financial priorities. Warren Buffett Wealth by Robert P. Miles is an excellent guide.
  • Writing down the broad outline of a Wealth Creation and Wealth Protection Plan (that is divorce friendly!)
  • The introduction of a Wealth Creation Budget with Seed Capital
  • Having correctly structured books of account and financial statements for both personal affairs and businesses – regard yourself as “JB Smith Ltd” and Monitor your WC Budget and NAV monthly and annually with a simple Accounting package
  • Banking right – maintaining a good bank credit rating
  • Maintaining a good credit rating with Retail Stores
  • Ensuring correctly structured tax returns and business activities that minimise taxes and maintaining a good standing with the local Revenue Service
  • Maintaining a healthy Life-style and hospital protection as opposed to expensive medical aid
  • Disability insurance (tax deductible in certain countries)
  • Cost effective Life Insurance for the longest possible term with Future Protection (guaranteed future option on life cover)
  • Funeral Cover
  • A correctly formulated Will
  • Motor Vehicle, Household and All risk Insurance
  • Your personal motor-car-maintenance plan to hold the asset value as high as one can
  • You personal household-maintenance plan to hold the asset value as high as one can
  • Working hard in a job and on your wealth protection strategy
  • Being a Passive investor – still strongly dependent on the guidance of financial experts. A Risk Management Strategy with emphasis on Moderate-risk and Long-term Investments
  • A Personal Book-of-Life that holds all your Insurances, Life Policies, RAs, Assets and Liabilities, SOGW worksheet and Will in one place
  • A Wealth Plan work sheet with a list of assets and liabilities, purchase costs, improvement costs, dates of acquisition etc
  • A Financial literacy Programme and
  • The Science Of Generating Wealth by Wallace D Wattles


  • Retirement Planning and Tax Deferred Retirement Investing that provides maximum tax free income on retiring
  • Estate and Tax Optimization Plan
  • Educational Plan for the kids
  • Running your own business on the side
  • Establishing a mastermind advisory panel which includes an ontological leader coach
  • Paying for your car in 3 years and holding it for 6; i.e. paying off two cars in 6 years
  • Paying your bond in 10 years or less, accessing the bond for cheap finance (especially for motor car and credit card debt), and ensuring via a bond broker that you always have the lowest bond rate
  • Buying pre-owned time share
  • Tax efficient investment plans such as endowments
  • Endowment based holiday plan to fund quarterly breaks annual holidays and overseas travel
  • Dread disease insurance
  • Inter-vivos and business trusts to protect assets where cost effective
  • Medical Aid appropriate to your health condition and family needs
  • Life Cover and Retirement Investments for spouse
  • Optimization of Wealth Creation Budget – maximizing the percentage of money working for you
  • Optimization of NAV growth
  • Strict Cash Flow Management
  • Risk Management Strategy with emphasis on Moderate Risk Investments and risk containment
  • Collective Investments (Unit Trusts/Mutual Funds) and other moderate risk Long Term investments – 10 years or more
  • Emergency Fund – 3 months income in low risk liquid investments
  • Work hard and smart
  • More active investor – taking charge and responsibility for your wealth – less dependent on the decisions of financial experts
  • Wealth protection and wealth creation in balance
  • Financial Literacy Programme continues
  • Experience stage of financial literacy programme – learning from mistakes


  • Active and independent investor – all your money working for you one way or another and achieving your desired ROI
  • Resigned from your job to mange your wealth plan full time
  • Business optimization: business works without you and achieves desired ROI
  • Business Succession Plan in place
  • Buying value business investments or acquiring assets without money
  • Business Investments and acquisitions continue to flourish
  • Acquiring Portfolio Investments – Share Market Investments
  • Refined Risk Management Strategy with a mix of more aggressive investments
  • Diversification of Risk including 20-30% offshore investments
  • Property Investments generating recurring income
  • Working smart and loving what you do every minute of the day
  • Living in your ideal home and driving a cost efficient luxury car
  • No problem you can’t handle
  • Active independent investor and business owner – calls on experts for their expert opinion but makes own decisions
  • Low maintenance recurring and passive income
  • Sustainable creation of excessive cash a daily habit
  • Continuing to learn from active involvement but now with fewer mistakes


When it comes down to real wealth there are no shortcuts. Creating real wealth takes time. It is a marathon. It takes 15 to 30 years and it initially involves work. So the sooner you begin the better. But the good news is that when you are wealthy you never retire and you never work.

Hard work however is all relative. If you do what you love work is never hard. Warren Buffett at the age of 76 says that he “Tap dances to work” each day. He has a wealth protection based approach to investing that reduces risk to a minimum and optimises income and his system has made him either the first or second wealthiest person in the world.

The rich put immediate comfort and luxuries before wealth. They laugh first for sure, but it does not last, and when it really matters they are crying while the wealthy are having the last laugh.

But those who laugh last laugh longest and with this plan when you get round to laughing you will laugh long and hard because you have your priorities in the right order.


But make no mistake you will need a master mind advisory group and ontological or generative leader coach to assist you to realise this strategy. It is extremely unlikely that you will achieve it on your own. Contact me at Science of Generating Wealth when you get serious about making this a reality in your life. We all have invisible barriers to our success: barriers that we have created ourselves. But barriers that are invisible to us. To dissolve these barriers we need an ontological coach. There is no question about it.

Carb Back Loading Cbl 1.0 Review – How Does It Work? Diet Plan Book by John Kiefer Program

Carb Back Loading Program Review – Does it Really Work?

Carb Back Loading by John Kiefer is a popular & successful fitness and fat loss manual, and right now thousands of people are learning how easy it is to look the way they want every day of their lives – no self-deprivation required. Carb Back Loading helps you eat all the bad food you want and still gain muscle while losing fat simultaneously. That’s essentially the promise Kiefer makes, and he delivers again.

Eat the Food You Love and Still Lose Fat.

A Carb Back Loading diet is basically timing when you eat your carbs, and only eating carbs in the afternoons/evenings after you’ve already worked out… that way the carbs are being consumed by your muscles rather than your fat cells, the science says. Essentially carb back loading is eating carbs toward the end of your day, so basically for dinner and dessert.

The author developed the manual after nearly two decades of reading through science and medical journals, absorbing everything from the thermodynamics of the body to biomolecular processes that make metabolism possible.

Can I Really Eat Donuts and Ice Cream and Still Lose Fat?

Yes, it worked for me and I had also tried everything before, I’ve also eaten donuts and woke up leaner the next day. The author of the manual also says he eats cherry turnovers, hamburgers and fries, ice cream and cheesecake and guess what? He still wakes up every morning to a toned, muscular body and a six-pack of abs.

This is because research has shown that for easy, sustainable fat loss, insulin levels should be kept as low as possible during the fast half of the day and spiked late at night. No more oatmeal and egg whites for breakfast – but bring on the late night pizza and cookies.

So what are the main steps to follow or start with?

* Have coffee/cream or tea in the morning. If having breakfast, protein and fat.
* Low carb throughout the day. Load up on good meats and veggies and good fats for lunch and snacks.
* Push any other carbs until post-workout (after 6pm which works well for busy moms who just want normal family dinners.) Again, even if you’re training in the morning, or you aren’t training at all that day, you would still see results just by pushing carbs back until evening. I know, because I’ve done it all.

* Enjoy a nice dessert in the evening like a donut or ice cream and still lose fat!
* A Carb back loading diet is basically timing when you eat your carbs, and only eating carbs in the afternoons/evenings after you’ve already worked out… that way the carbs are being consumed by your muscles rather than your fat cells, the science says.
* Essentially you will be eating carbs toward the end of your day, so basically for dinner and dessert.

Educating Special Needs Children

Educating a child with special needs is an enormous topic — worthy of several books — but we’ll cover the basics here today.

The Most Important Part of Special Education

By far, without any question, is realizing there’s a problem and defining the problem. If a child makes it to kindergarten without anyone noticing anything dramatically wrong, it’s easy to assume the problem is something minor. (Sometimes, it actually is — we know of at least one child that was diagnosed with profound ADHD when his actual problem was nearsightedness; he wandered around the classroom not because he couldn’t focus, but because he was trying to get a better view of the activities.)

Further complicating the problem is the fact that many special-needs diagnoses are interrelated, or very similar in symptoms. For example, ADHD is strongly correlated with dyslexia, dyscalculia, and several similar diseases — but it’s not associated with the autism spectrum even though it shares far more symptoms in common with mild autism than it does with any of the dys- conditions. A child that doesn’t like to talk might be autistic, or they might have apraxia, or social anxiety disorder, or they might have a bad stutter… or they might be deaf and unable to hear you when you try to provoke a conversation. The point here is that special educators, no matter how skilled, cannot help a child if they’re using tools and techniques designed for the wrong disorder.

Special Needs is Not ‘Remedial.’

The next thing to remember is that there is a large difference between ‘special needs’ and ‘poor scholastic performance.’ Remedial education and special needs education have some overlap, but they are two different subjects — because ‘special needs’ can include scholastic affective disorders like dyslexia, but can just as easily include educating a brilliant but deaf student or a student with Asperger’s Syndrome that is an amazing mathematician and geographical wizard, but has trouble understanding the basics of social play and turn-taking. A good special needs program understands how to deal with gifted children — because being gifted is a special need — as well as those that need remedial assistance. Recognizing strengths has to be part and parcel of every special child’s education.

In fact, there is a special designation in special education — ‘2E’ — for those kids that are ‘twice exceptional,’ and require accommodation in both directions. A girl that is reading three grades above the rest of her classroom, but is also profoundly affected by ADHD and requires constant attention to stay on task — that’s 2E. A boy that is dyscalculic and cannot perform mental arithmetic, but is also a musical prodigy that masters new songs within days — that’s 2E. And these children are more common that most people understand.

The Same is True at Home

If it’s not obvious, these two overarching principles apply just as much to all of the lessons you teach your child at home as well. If you refuse to acknowledge that your child is different than the others, or if you assume that the problem is one thing without getting an expert diagnosis, you’re making a dire mistake. Similarly, learning that your child has dyslexia or ADHD doesn’t mean you have to treat them like they’re not as smart as a ‘normal’ kid — they are, they just have an issue they need your help overcoming.

Special Education Tools

Here are the biggest, broadest tools of special education, and how they relate to those principles:

The Individualized Education Plan (IEP)

The keystone of modern special education, IEPs serve as record-keeping, as a source of information for future educators, and as a tool for assessing the child’s progress. Each IEP contains information about the child’s diagnosis, known expressions thereof, and a record of every technique and tool used in the attempt to educate the child. Without an IEP, there is no individualization — and thus, there is no special education.

Your child’s doctor and/or the school’s specialists will tell you if they’ve been diagnosed with a condition that puts them in the ‘needs an IEP’ category. Not all children with a given diagnosis do — there are plenty of kids with ADHD who get by in mainstream school with no IEP, for example — but there are absolutely those who require special effort even if they receive and properly use a prescription such as Concerta or Adderall. Deciding whether a given child can cope with the school system ‘as-is’ or whether they require legitimate specialized education is part and parcel of the process.

The Special Education Crew and Room

Dealing with one special needs child at home can be quite difficult — imagine dealing with six, eight, or fifteen in a classroom setting! There’s simply no teacher, no matter how expert, who can predict how the kids will interact. When the ADHD kid jumps up partway through an assignment because he decided that spinning around in a circle is more fun than addition, and in his spinning he quite accidentally smacks the child with Oppositional Defiant Disorder in the back of the head, what will happen?

Will she scream at the top of her lungs and scare the autistic student into having a bathroom accident? Will she attack the ADHD boy and leave him wondering why he’s suddenly on the ground and bleeding from a scratch across the cheek? Or will she just upend her desk and get the entire room breaking down into a chaotic melee?

That’s why almost every special education classrooms features a ‘safe room,’ with padded walls and noise insulation a child can retreat to when they know they can’t cope. It’s also why every special educator comes with a squadron of assistants. Some of them are specialized therapists, like the speech pathologist or the occupational therapist; others are ‘simply’ other educators that are trained to deal with the occasional full-classroom breakdown and keep control.

Take-Home Lessons

As a parent, you can learn from these realities. Of course, you already individualize the attention you give your child — but do you keep a record of problems you encounter, solutions you attempt, and how well they succeed or fail? Can you see how that will be useful within a month or two? Do you have a ‘safe space’ the child is allowed to retreat to when overwhelmed? Ask your child’s teacher what tools they use that have worked for your child, and how you can implement similar strategies at home. Special education doesn’t have to — and shouldn’t — stop just because your child left the classroom.