insider confidential - october 2010

8/8/2019 Insider Confidential - October 2010

1/16

Get wealthy

How a bin full of rubbish

could make you an extraR174,000 in just 12 months...

Your Insiders guide to personal success, wealth, health and happinessOC

OBR

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Insider Confidential


2/16

Dear Insider Confidential Reader,

Allow me to get a little philosophical for a moment... And while, Im at it, disprove a common misconception aboutsuccess. A few months back, I had an interesting lunch with my friend and fellow insider Glenn. Being on theinside track of things, we spent most of the meal trying to figure out what separates those who are successful fromthose who arent.

Youll never believe what he told me! You see, Glenn believes that success is ageist. Not in the sense of physicalage mind you. No, success couldnt give a damn how old you actually are. But it does care how old you arementally.

Id almost completely forgotten about this conversation until I was chatting with my neighbour last week. Bills beenout of a job for the last four months and hes never been happier. The reason? Because being retrenched finally gavehim the push he needed to start living the life hed always dreamed of.

Thats when it hit me. Glenn was right! As soon as you start thinking Im too old to be rich now or I missed mychance, then you might as well wave goodbye to any hope of success.

The path to success has never been easier

The good news is, keeping your mind young and healthy is really simple... Its just a case of developing a new habit.And that habit is to read, watch or listen to something new every day. Thats it.

By exposing yourself to new cultures and new ideas on a regular basis, you avoid developing a repetitive andreductive mindset. And, in its place, youll develop an inquisitive and expanding one. And thats the key to success!

How does it work? Simple really, by exposing yourself to new ideas, what youre actually doing is working outyour mind. The results will be almost instantaneous... Youll start thinking about things differently Youll look atthings from a different angle

And where once you might have thought something impossible, your increasingly inquisitive and expanding mindsetwill no longer think that way.

Thats exactly what every issue of Insider Confidential will help you with.

Whether its making extra money so you can go on that holiday youve been dreaming of, landing the perfect jobor just finding ways to improve your productivity, this issues jam-packed with ways to boost your success ineverything you do.

So stop dreaming and start acting the life you want to live is closer than you think!

In the name of health, wealth and happiness,

Your Insider

whats inside this month Hate hospitals? Heres why a yellow IV could shorten your hospital stay Page 3

How to avoid making the million dollar mistake of the cats eye inventor Page 7 Scandal! The great car mechanic rip-off revealed... Page 8

Inside this months issue

Letter from the editor


3/16

C O N F I D E N T I A

1

Why a bin full of rubbish couldmake you an extra R174,000 in just

12 monthsChris Densley is the editor of MoneyMaking Insider an innovative daily e-letter

packed to the brim with exciting (and lucrative) business opportunities. Thanks toChriss biz-opp guru network, MoneyMaking Insider has the inside track on full- and

part-time business ventures that have the potential to make you R130,000 extra every year.

Throwing rubbish away is part of everyday life. But didyou know that this everyday task could help you bankan extra R174,000 by this time next year?

How?

Because not only are our wheelie bins a potential healthhazard but the City of Johannesburg has made itillegal for you to hose down your bin!

And that can only mean one thing...

This is your unique chance to turn trash into cash

In addition to being a breeding ground for deadlybacteria, wheelie bins also attract a range of creaturesthat spread disease.

It might not be a pleasant subject but it is a potentiallylucrative one You see, up until now, few people evenconsidered the money they could make from thisindustry. But thats about to change thanks to a recentannouncement by the City of Johannesburg. It warnedthat itll fine people who wash out their bins usinghosepipes R1,500! And this warning is presenting youwith a unique opportunity

Your trash-to-cash business blueprint

Now Im sure youre wondering how you can profit

from this warning. Its simple really, all you need to dois offer a service where you clean wheelie bins inaccordance with the City of Johannesburgsrequirements. This way you not only eliminate potentialhealth hazards for your clients, youll protect them frompaying a hefty fine. And when you consider that thereare approximately 9,059,571 households in SouthAfrica theres a huge target market for you to profitfrom.

Heres what you need to get started

Now that you know why youre setting up this business,lets look at all the things youll need to get started.

Lint-free overalls

Face-shield (only during blow-drying operations) Rubber gloves Rubber boots Soft broom and hand brush A plastic bucket Towels Plastic garbage bags Industrial strength cleaner and disinfectant Bin deodoriser High-pressure cleaner

All in all, your equipment will cost between R7,600-R15,000. All youll need to do is top up on yourcleaning detergents and deodorisers each month.

After that youre all set. The only thing youll need toremember is NOT to clean the bins over a patch of grass or soil but over the tarred road or driveway isfine otherwise youll be breaking the Citys SanitationBy-Laws.

How much should you charge?

The key to a good income here is setting your per binprice low enough so that you can get bulk customers inthe same area. If you want to do this part-time, keepthings simple and start by offering your services topeople you know like the complex where you live.You can charge about R30 a bin to clean it twice amonth. Doesnt sound like much, does it? But if youtake a neighbourhood or two with about 500 houses,youd make R15,000 a month.

Dont stop there, make an extra windfall with thisclever sideline

But heres the really exciting thing about thisopportunity: If you really want to make fast profits why not approach large corporations to subsidise bincleaning for homeowners. In return, mark homeownersbins with branded stickers. These stickers will offer agreat advertising opportunity for the company andhomeowners will be eager to stick them on their wheeliebins in return for a free bin-clean every month. No oneloses and marketing your new business becomes a wholelot easier.

So there you have it... Who knew rubbish could be thisexciting... And lucrative?!

...personal success, we alt h , health and happiness


4/16

2

Foolproof rules to help you avoidfalling prey to common

investment pitfalls Karin Iten is the managing editor of The South African Investor and the personal finance contributor for MoneyWeek Online . Thanks to her vast network of global and local investment gurus, she provides her readers with essential long-term wealth building and protection strategies.

Did you know that more than 70% of all investors fallshort of achieving their desired investment goals?

The reasons are numerous: Some select an inappropriatemix of assets, while others try to time the market, yetothers lose sight of their long-termobjectives.

You see, like all journeys, you simplycant go anywhere without carefulplanning. After all, if you dont knowwhere youre going, youre sure to getlost along the way.

And today, Im going to show youhow to get your portfolios on theright track and how to avoid commoninvestment mistakes along the way.

Rule #1: Limit your worst loss to 2% ofyour total capital

One of the biggest mistakes investors make is to overcommit to a particular position. Its tempting to commit100% of your available capital to a single position, butdo so at your peril.

How do you avoid this?

Simply by never investing more than 8% of your total

available capital in a single investment and setting astrict 25% stop loss. Doing so will ensure youll neverlose more than 2% of your total capital in a single go!

Lets say you have a total capital of R100,000. Your firsttrade is limited to 8% of this amount. You wouldnt riskmore than R8,000. If the share falls and hits your 25%stop loss, youll lose 25% of the R8,000 initialinvestment. In other words, your loss is only R2,000.

This R2,000 is only 2% of your total capital. So afterthis unsuccessful venture, youll have R98,000 left.To maintain discipline going forward, youd now onlyinvest R7,840 in your next share 8% of your totalcapital.

Rule #2: Match your target with your stop loss

Once youve decided which share to buy, answer twoimportant questions.

1. What your target is:Stipulate when you must exit the position. This takesthe decision away from a possible future emotive

response. A profit to loss ratio of 2.5:1is acceptable. In other words, go for a75% profit against a 25% loss.

2. What your stop loss is:Now set your stop loss based on theabove. Figure out how much youreprepared to lose and stick to it. Idsuggest a 25% stop loss rule, althoughin a volatile market you may feel moreinclined to go for a slightly wider one.Whatever number you choose, makesure youve worked out (and arecomfortable with) how much youll

lose if the share price hits your stop loss. Justremember, if you dont stick to your stop losses,youre going to land yourself in hot water (take alook at the table below to see the impact of losses onyour portfolio).

more than 70%of all investors fallshort of achieving

their desiredinvestment

goals!

Your Insiders guide to personal success, we a lt h , health and happiness

In a losing tra de a nd not sur e whet her to hold on or not...? T his ha ndylitt le ta ble should provide you wit h t he a nswe r:

If a shares fallen: How much itll need togain for your investmentto breakeven:

5% 5.3%10% 11.1%15% 17.6%20% 25%25% 33%30% 42.9%50% 100%


5/16


...personal success, wealth, he alt h and happiness3

Hate hospitals?Heres why a yellow IV could shorten

your hospital stay Dr Jonathan Wright isnt your ordinary doctor. Hes a pioneer in revolutionarymedicine and health breakthroughs and works tirelessly to bust myths about ageing and ailments... To show us how the chemical drugs we swallow so readily can havedevastating effects on our bodies. And find more effective, safer remedies that could truly heal our hurts.

If theres ever a time your body and mind are understress, its when youre lying in a hospital bed, chainedto an IV.

But if the IV needle thats sending a solution directlyinto your veins is clear or colourless, it isnt doing as

much as it could to help you fight the stress that couldprolong your recovery and your hospital stay.

I know it may sound strange, but the colour of your IVfluid should be yellow!

You see, when youre under stress, your body usesgreater quantities of B-complex vitamins. And thenatural colour of Riboflavin (or vitamin B2) a keymember of this group of vitamins is yellow!

So adding B-complex vitamins to your IV bag wontonly help your body handle the stress youre goingthrough, itll change your IV yellow so you know youreboosting your ability to bust that stress and cut yourhospital stay.

Why hasnt your doctor told you this?

Now Im sure youre wondering why, if these vitaminsare so good for you, your doctor simply doesnt add B-complex vitamins to your IV in the first place?

The answers fairly simple: First and foremost, thethought simply doesnt occur to most physicianspractising in hospitals or emergency rooms becausetheyre not being pushed to use them. Theres just nomoney in it. Since vitamins cant be patented,pharmaceutical companies dont push them andpractically no money has been dedicated to controlledstudies demonstrating that they work for any particularcondition.

Safe anti-stress nutrients should be considered inall stressful situations

But even if your doctor does consider adding B-complexvitamins to your IV, he could be concerned aboutpotential interactions with whatevers already in the IV.Its a valid concern, but one thats easily answered.

The most commonly used IV fluids are made of 5%dextrose and water (D5W) and saline (either 0.45% or0.9% salt in water) and thats it. B-complex vitaminsare quite compatible with D5W and saline, as well aswith any electrolytes that might be present. If these arethe only things in your IV, dont hesitate to ask yourdoctor to add B-complex vitamins to help you fightstress and speed up your recovery.

A word of cautionSome people are very sensitive to taking too much B-complex or taking it too fast. Often, they becomenauseous as a result. So speak to your doctor aboutadding as little as a 0.5cc to 1cc (cubic centimetres) of B-complex to your IV to minimise the chances of gettingill.

If you dont have any problem with this amount, yourdoctor can gradually increase your intake to 1cc pershort IV (less than four hours) and 1cc to 2ccs for

longer ones.

After all, the anti-stress benefits of B-complex vitaminsfar outweigh the very small risk of nausea.

And while youre at it, ask your doctor to consideradding vitamin C to the solution too just 10g of thisvitamin will help you heal faster and have you feelingbetter in next to no time.

Fina lly, some good ne wsfor a llerg y suffe r e r s!According to research, allergy sufferers are far lesslikely to contract cancer than non-sufferers. USresearchers from Texas Tech University believe thatallergic reactions stimulate the immune system,helping to ward off other potentially fatalconditions.

They found that asthmatics were 30% less likely toget ovarian cancer than others and children withallergies to airborne substances were 40% less likelyto develop leukaemia than other youngsters.


6/16

4 Your Insiders guide to personal success, wealth, health and happiness

Introducing 12 unbelievable D.I.Yuses for cucumber

Cucumbers are underrated. Despite chucking into asalad to benefit from their nutritional benefits, here are12 incredible D.I.Y uses for this vegetable...

#1: Had a heavy night? Just three slices of thisveggie will have you feeling like a million bucks inthe morning

Overindulged at the rugby on Saturday and need toattend Sunday lunch at your in-laws? Eat three slices of cucumber before going to bed and youll wake uprefreshed and headache free. Cucumbers containenough sugar, vitamin B and electrolytes to replenishthe essential nutrients your body has lost duringbinge drinking. By re-establishing equilibrium in yourbody, itll help you avoid that awful hangover andheadache!

#2: Have an important meeting or job interview andforgotten to polish your shoes?

Rub a freshly cut cucumber over your shoes. Thechemicals in this veggie will provide them with a quick,durable shine that not only looks great, but will repelwater too.

#3: Need to fix a squeaky door but run out ofWD-40...

Take a cucumber slice and rub it along the problematichinge. Voila! The squeak will disappear.

#4: Need to re-charge your batteries?

Need a boost to get you through the afternoon? Dontreach for a can of Coke or a Red Bull, pick up acucumber instead. Because cucumbers are such a goodsource of vitamin B and carbohydrates, they can provide

a pick-me-up that lasts hours.#5: Tired of your bathroom mirror fogging upafter a shower?

Rub a cucumber slice along the mirror. Doing so willnot only eliminate the fog, itll provide a soothing, spa-like fragrance to your bathroom too.

#6: Keep your garden pest-free all summer

Get rid of pesky grubs and slugs by placing a few slicesof cucumber in a small aluminium pie tin. How does itwork? Well, the chemicals in a cucumber react with thealuminium to give off a scent which, while undetectableto humans, will drive garden pests crazy. Theyll hightail

out of your garden in next to no time.

#7: Stop binge eating with the help of thissuper veggie

For centuries, cucumbers have been used by Europeantrappers, traders and explorers as a quick meal tothwart off starvation. So before you raid the fridge insearch of that heavy midnight snack, grab a few slices of this vegetable instead.

#8: Stressed out about that presentation atwork tomorrow?

Cut up a cucumber and place it in a boiling pot of water. The chemicals and nutrients from the cucumberwill react with the boiling water and be released into theair around you. This will create a soothing, relaxingaroma that has been proven to reduce stress in newmothers and students preparing for their exams. Youllsleep easier and wake up refreshed for that all-importantmeeting.

#9: Given in to your craving for garlic bread butdont have gum or mints on hand...

Press a slice of cucumber to the roof of your mouth withyour tongue for 30 seconds. The phytochemicals willkill the bacteria in your mouth and eliminate badbreath.

#10: Introducing a green way to clean your taps,sinks or stainless steel

Rub a slice of cucumber on the surface you want toclean. Doing so will remove years of tarnish and bringback the shine. Even better, it wont leave streaks orharm your hands while you clean.

#11: Using a pen and made a mistake?

Forget Tipex, use the skin of a cucumber to erase theerror. This also works well on crayons and Koki pens if your budding Picassos try to decorate their bedroomwalls.

#12: Remove unwanted cellulite before hitting thebeach this summer

Try rubbing a slice or two along the problem area for afew minutes. The phytochemicals in the cucumber willcause the collagen in your skin to tighten, firming up theouter layer and reducing the visibility of cellulite. (Itworks well on wrinkles too.)


7/16


5

Invest in SAs top propertiesfrom as little as R500 a month

If youre in the market for a new house, Ive got goodnews for you. Nows a great time to hunt for bargains!After all, right now properties are discounted by asmuch as 30% to 50%!

But if you dont have enough money saved to apply fora second bond dont fret. Weve discovered a fantasticway you can get into property from as little as R500 amonth!

Introducing a nifty little fund that could net you a129.53% gain in the next five years

Over the past five years, the Stanlib Property IncomeFund has been one of the best-performing funds on theSA market, banking a 129.53% gain over the period.

How has it managed to achieve this incredible return?

The secret, according to fund managers, Keillen Ndlovuand Evan Jankelowitz, is that they have a history of investing in financially-sound property equity andproperty-related securities listed on recognised stockexchanges.

And with holdings in property moguls like Growthpoint(21.51%), Redefine (17.12%) and Resilient (8.15%),its no wonder that this fund has such a solid trackrecord!

Even better, because this fund invests in physicalassets (not something as arbitrary as an underlyingshare price) you not only earn returns as the price of the fund increases, you also earn money from anyincome the properties earn too thats a brilliantdouble-whammy no other type of fund can giveyou!

Four reasons why you should add a property fundto your investment arsenal

1. You get good returns: A property funds portfolioobjectives usually include a reasonably high currentreturn and long-term capital growth. Just remember,to benefit from this, your optimal holding periodshould be three to five years.

2. You can double your wealth: You enjoy two wealth-building opportunities rental income and capitalgrowth.

3. Its an inflation-beater: Property is viewed as agrowth asset class, meaning the income stream

generated by property has the ability to grow relativeto bonds.

4. Its a typically low-risk investment vehicle: Eachproperty owned by the underlying companies thefund invests in usually have hundreds of tenants.(Remember: They usually invest in companies thatown business parks and office blocks.) Thesecompanies work in various sectors of the market,have different rental agreements and renewal dates,and varying vacancy factors. This means your risk isdiversified because you have a built-in spread acrossdifferent property categories, regions, lease structures

and rental flows.Bottom line: Investing in the Stanlib Property IncomeFund provides you with a unique opportunity todiversify your risk, grow your wealth and generate asteady source of income as well as hedge yourself against fluctuating interest rates.

All you need to do to get involved is invest a minimumlump sum of R5,000 or a monthly debit order of R500.

For more information or to invest in the StanlibProperty Income Fund , visit www.stanlib.co.za or call(011) 448-6000.

Fund fact box:

Launch Date: 17 September 2002 JSE Code: STPIFund Managers: Keillen Ndlovu & Evan

JankelowitzFund Size: R3.64 million

Total Expense Ratio(TER): 1.62%Minimum investment: R5,000 (lump sum) or

R500 (monthly debitorder)

Benchmark: FTSE/JSE Property UnitTrust Index (PUT)

Performance to 17 September 20101 year 3 year 5 years

Stanlib PropertyIncome Fund 26.52% 36.81% 129.53%



8/16

6 Your Insiders guide to personal suc c ess, wealth, health and happiness

Work in an open-plan office?This great little trick will help you ward off those

constant distractions and intrusions

Antoinette Pombo is the author of the Best of Leadership Strategies for Smart Managersreport. Through her deluge of contacts, Antoinettes filtered through the very best prac- tical, real-life management advice from the likes of Donald Trump, Richard Bransonand others and today shes sharing them with you!

We all know what its like to be interrupted, right in themiddle of a major project by a team member, colleagueor an unwelcome drop-in visitor....

If you pride yourself in having an open-door policy or,even more challenging, work in an open-plan office, thisgreat little trick will guarantee yourself an hour here andthere of pure uninterruptable work time...

The red/green flag trick to keeping your sanity

Buy yourself a red flag and a green flag this weekend.Then gather your team around on Monday morning andexplain to them that, as much as you want to beavailable all the time, youve fallen behind with yourwork because of your generosity.

So youve come up with a plan that will benefiteverybody...

When youre working on a project and need to put yourbest thoughts and undivided attention into it, youllhoist your red flag on your desk. When they see thered flag up, they know not to interrupt you unlesstheres a major crisis like the buildings on fire. Whenthe green flags up, they can approach you as usual.

This way, you can keep your open-door policy and stillachieve your goals by totally eradicating disruptions foran hour or two every day...

Just dont forget to take to let your phone go through tovoicemail or inform your receptionist to hold all yourcalls (and those infamous drop-in visitors) while yourred flag is up...

Even better, if youre worried youll have to deal withtwice the number of problems when your green flaggoes up dont! Youll find your team members willresolve 90% of the issues themselves, because they haveto. Leaving you with just 10% of the issues younormally have to deal with.

Looking to grow your business?These three questions are all youll ever need

to network like a proIs your business focused on generating new customers ordiscovering possible affiliates and partners to improvethe companys bottom line?

If your answers yes, theres good news: Being asuccessful networker is the single most important skillyoull ever need to get ahead in the business world.

Heres a quick list of the only three questions youll everneed to network like a pro

1. Whats your name?

The power contained within a name is immense. Whenyou address someone by their name, it engages themand gets them listening.

2. What do you do?

Establish what the person does. When you know that,

you can start thinking about how they would fit intoyour network. If they cant do something for you,perhaps they can do something for someone you know.

3. Who is your ideal customer?

Find out who their ideal customer is. Who does theirproduct or service cater for? If they describe your idealcustomer perfect. You could look at working togetheron something, advertising to each others customers ordoing some kind of affiliate deal. If they describesomeone who doesnt fit in with your ideal customerprofile think about people you know who would fitthe bill. Explain that you could put them in touch witheach other... This way you build you network and get

other people indebted to you.

Pretty soon, youll be the person everyone comes towhen they want a business deal to go down.


9/16

...personal success, we alt h , health and happiness7

How to avoid making the milliondollar mistake of the cats eye

inventor Pascale Barrow has been helping entrepreneurs make money from hot new businesstrends for years. As the author of the What Really Makes Money Manual , Pascalesuncovered hundreds of lucrative full- and part-time business blueprints, as well as

shared the secrets of the greatest business tycoons in the world with her readers.

Weve all seen them those little yellow reflectivedevices (or cats eyes) in the middle of the road that keepyou from driving into oncoming traffic. But did youknow that the inventor of this life-saving inventionnever made a single cent from the product?

Shocking really especially if you consider that everygovernment in the world uses this invention to protect itsdrivers. And while the world may herald British inventor,Percy Shaw, for this life-saving idea, the true hero was anaccountant by the name of Richard Hollins Murray.

What did Murray do wrong? you ask. He neverpatented the idea. Dont repeat his mistake!

Protect your award winning ideas in fiveeasy steps

Step 1: Test the patentability of your productDetermine whether or not your idea is in factpatentable. This is based on:

1. How useful your patent is. (It must involve aninventive step. This means it must be something newand subsequently useful to a person skilled in aparticular field.)

2. How original it is.3. And how obvious (or not) it is. (For example, your

patent should be something completely new.)

Step 2: Identify the protection you needA patent protects the way a product works. Designprotects the look of the product and the Trade Markprotects the name and logo of the product, says ClydeMichael, of Hahn and Hahn Patent Lawyers. Forexample if BMW comes out with a new car they will filefor all three types of protection. The patent will protectthe technological workings of the car like the engine.The design will protect the new shape and features,while the trademark will protect the name and logo of the car.

Step 3: Check your idea is originalNext, research whether your idea is original or not. Todo this, access a patent database like

http://patft.uspto.gov/ . Once youre absolutely sure youridea is completely new, get your lawyer to start draftingand applying for your provisional patent certificate.

Step 4: Test your marketNow, its time to test the market. The market is anunpredictable place, so do your research and speak topeople in the industry. At this point, its a good idea toapproach potential business partners and consult withfinancial advisors to assess how financially viable your

idea is!

Step 5: Meet with a patent attorneyYou can Google patent lawyers in South Africa to getdozens of leads. But one of the best ways to find a goodlawyer is word of mouth. Ask people that have gonethrough this process for referrals. Once all yourpaperwork is in order, start commercialising yourinvention. At this point, its best to apply for a TradeMark to safeguard your invention.

How much does it really costs to patent an idea

There are three steps to patent registration and three

separate costs:Cost #1: Youll incur filing costs for your provisionalapplication along with standard legal costs of betweenR7,000 and R12,000.Cost #2: After youre sure theres a market for yourinvention, apply for a complete South African patent.Legal fees for this process are usually between R9,100and R16,800.Cost #3: Annual renewal fees will start at aroundR1,000 per year.

Thats it! Now youre ready to take your brilliant ideaand sell it to the highest bidder.Special thanks to Hahn and Hahn Patent Lawyers for their help with this article

Ma ke sure your cla im tot he ide a is ne ve r in doubt Post your patent idea to yourself and never open theenvelope. This will not only prove you came up withthe idea, itll show when you came up with it as well.


10/16

8

Scandal!The great car mechanic rip-off revealed and how using

your senses could prevent you being played the fool

According to research estimates, over 25,000 consumersfile fraudulent car repair complaints every year. Theestimated costs spent on unnecessary repairs is aroundR20 million. But you dont need an engineering degreeto detect car problems. You can detect many commonissues just by using your senses. Heres how

Sounds like trouble

Squeaks, squeals, rattles, rumbles and other sounds canprovide valuable clues about problems and maintenanceneeds. Here are some common noises and what they

could mean:

Squeal A shrill, sharp noise, usually related toengine speed: Loose or worn power steering, fan or air

conditioning belt.

Click A slight sharp noise, related to either enginespeed or vehicle speed: Loose wheel cover. Loose or bent fan blade. Stuck valve lifter or low engine oil.

Screech A high-pitched, piercing metallic soundoccurring while the car is in motion: Worn brakes.

Ping A high-pitched metallic tapping sound, relatedto engine speed: Usually caused by using petrol with a lower

octane rating than recommended. Check yourowners manual for the proper octane rating. If the problem persists, engine ignition timing could

be at fault.

Clunk A random thumping sound: Loose shock absorber. Loose exhaust pipe or muffler.

Looks like trouble

Small stains or an occasional drop of fluid under yourcar may not mean much. But wet spots deserveattention. Identify them by paying close attention totheir colour and consistency:

Yellowish green, pastel blue or florescent orangecould indicate an overheated engine or an antifreezeleak caused by a worn hose, water pump or leaking

radiator. A dark brown or black oily fluid could mean the

engine is leaking oil. A worn seal or gasket could bethe cause.

A red oily spot often indicates a transmission orpower-steering fluid leak.

Smells like trouble

Some problems are under your nose. You can detectthem by their smell:

Burnt toast smells often signal an electrical short andburning insulation.

Rotten egg smells usually indicate a problem in thecatalytic converter or other emission control devices.

A thick acrid smell usually means burning oil. Checkunder the car for puddles that will indicate a leak.

Burning resin or an acrid chemical odour may signaloverheated brakes or clutch. Dont forget to checkthat the hand-brake is down all the way beforephoning your nearest repair centre.

A sweet, steamy smell could be a sign that yourcoolant is leaking.

Feels like trouble

Difficult handling, a rough ride, vibration and poorperformance are symptoms you can feel. They almostalways indicate a problem.

Steering problems: Misaligned front wheels and/or worn steering

components, such as the idler or ball joint, cancause wandering or difficulty steering in a straightline.

Pulling to the left or right can be caused bysomething as routine as under-inflated tyres or asserious as a damaged or misaligned front end.

Rough riding: Worn shock absorbers or other suspension

components or improper tyre inflation cancontribute to poor cornering.

An unbalanced or improperly balanced tyre cancause a vehicle to vibrate and may wear steeringand suspension components prematurely.

Difficulty changing gears: This could be a sign that you need to repair your

transmission.

Your Insiders guide to personal suc c ess, wealth, health and happiness


11/16


9

Its time to protect your moneyas we reshuffle our portfolio and bank

a 59.88% gainGary Booysen is a financial analyst and writer of Fleet Street Publications most ex- clusive newsletter: Stockmarket Sleuth . To date, hes helped a select group of investorsmake gains of 61.81%, 66.81% and 84.99% in one of the most challenging marketsweve ever seen.

Last week, gold hit an all-time high of $1,290.75 up78.95% since the market collapsed in 2008! Thatsincredible! But whats even more impressive is the factthat if youd bought the yellow metal just five shortyears ago youd have banked a 170% gain!

The time to get into gold is NOW!

In the good old days of rampant inflation, gold was

seen as the ultimate hedge. Back then, experts believedthe best possible defence against inflation and currencyinstability was to hold gold.

The same scenario played out on the back of the 2008market collapse. As interventionist policies minted moreand more money, inflation rose, currencies weakenedand the price of gold rocketed! But instead of devaluingour currency like the rest of the developed world, SouthAfricas allowed the rand to strengthen. And since goldis priced in dollars, this has put a serious dampener on

the profits SA investors have experienced.But the rands strength wont last much longer. Already,governments talking about imposing taxes to devaluethe currency and this makes now the perfect time foryou to grab your slice of the golden profits on offer.

Today, I want you to switch your funds out of Gold Oneinto AngloGold instead.

Why would you want to do that? Well, mining giant,AngloGold, has just announced that itll be closing itshedge book. And that means its bottom line is about to

explode. How can I be so sure? Well, during the lastbull-run, Anglo decided to protect its production fromthe risk of price fluctuations by agreeing to sell its goldfor $450 an ounce a strategy known as a hedgebook. Since no one expected the chaos that followed inthe Great Recession of 2008/9, this seemed like agood idea at the time. But overnight the world changed investors ran for cover and they ran straight into gold.

Essentially, Anglos hedge book has forced the group tosell its gold for $829 less than it could have. But nowthat the groups in the process of closing its hedge book,its going to be raking in the profits. So heres what Iwant you to do: SELL Gold One at 205c and BUYAngloGold between R320 and R330 . This smart movecould see you double your money in the next five yearsas gold goes parabolic and the share shoots to R650.

Its time for you to grab a spectacular gain

Back in May, I suggested you buy Didata at R10.15.I was looking for solid organic growth from thecompany as it expanded its local offering and startedtaking on overseas companies. What I didnt expect isthat I wasnt the only one eyeing out this gem. As itturns out, Nippon Telegraph and Telephone (NTT), a

Japanese corporation, liked the company just as muchas I did. It liked it so much, its going to buy the entirelisted share capital at an 18% premium! Thats givenDidatas share price a nice climb! SoSELL Didata todayat R13.27 for a 59.88% gain.

Cut your losses short and let your winners run

Pallinghurst (PGL) and Country Bird (CBH) have fallenthrough their stop losses and its time to get out. Sellboth at their current prices.


Share Symbol Date Rec. Price Tipped Current Price Gain/Loss (%) Target Price CommentAngloGold ANG Oct-10 R 323.48 R 323.48 0.00% R 650.00 BuyBlue Label BLU Oct-09 R 5.40 R 6.10 12.96% N/A SellCapitec CPI Aug-10 R 121.49 R 143.02 17.72% R 180.00 HoldCipla Medpro CMP Jul-07 R 4.10 R 6.90 68.29% N/A HoldCountry Bird CBH Jan-10 R 3.46 R 2.52 -27.17% R5 SellDimension Data DDT Dec-10 R 8.30 R 13.27 59.88% SellEOH EOH Nov-05 R 1.90 R 13.46 608.42% N/A HoldGold One GDO Mar-10 R 2.00 R 2.05 2.50% R4 SellGold Reef GDF Nov-09 R 19.70 R 17.68 -10.25% N/A BuyPaladin Capital Ltd PLD Apr-10 R 2.25 R 2.80 24.44% R 2.70 HoldPallinghurst PGL Feb-10 R 5.99 R 4.20 -29.88% R 8.80 Sell

Reunert RLO Oct-08 R 58.25 R 59.72 2.52% R 90.00 HoldStandard Bank PlatinumCommodity-Linker SBAPL1 Sep-10 R 100.56 R 103.63 3.05% R 150.00 BuyTotal 599.76%

Values as at 23rd of September 2010


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10

Get what you want in the boardroom(and the bedroom) with four lessons

for success from a master spy Dave Thomas is a retired British spy and a master expert when it comes to espionageand the art of gaining peoples trust.

Getting what you deserve from life is all about makingthe right relationships and, more importantly, makingthe most of the relationships that you have with thosepeople. And if thats going to happen, your ability toinfluence people in a variety of situations is key.

Today, I want to show you how to always read thesituation right and get what you want from thosearound you.

Lesson #1: Land that R1 million contract

The single best way to steer a tricky business negotiationin your favour is to make sure you play the grey manand dont give too much away. You have to ascertainexactly what youre trying to get from the person youredealing with the last thing you want to do is annoythis person or get their back up.

Heres how to do it: It may seem obvious, but peopleonly do business with people they like. Be friendly, butalso be prepared to be reactive when negotiating. Ratherthan blurting everything out at the beginning, try tobuild up a profile of the person youre discussing acontract with and change your approach to suit thatpersons personality.

Flexibility is key so start by doing your homework onthe person youre dealing with.

Lesson #2: Survive the dreaded interrogation

when something goes wrong at work Weve all been there before a project goes badly andyour managers called you in to rake you over the coals.Often in cases like these, you manager will try to tripyou up to get you to crack.

Heres how to survive: Dont allow your manager tobully you into saying what you dont want to. Explainthe situation calmly and accurately.

Dont get aggressive or defensive this will only

increase the stress in the room.

Also, dont be rushed into answering a question. Giveyourself time to think by asking your manager to repeat

the question if youre unsure about how to phrase youranswer. Above all, be honest about the role you playedin the mistake and indicate what youve learnt from it.

Lesson #3: Worm your way to the top

If youre trying to further your career by makinginvaluable connections, remember that you wont beable to go straight to the top it takes time.

Anna Chapman (a US-based Russian spy who wasarrested in June this year) started meeting people whoknew people. From there, she was introduced to otherpeople. It was only then that she began to weave herway into the relevant social circles.

The simple secrets to weaving your way to the top: Inany environment, whether its down at a local pub or inthe office, its worth getting to know somebody. Thismeans finding out (and remembering) their likes anddislikes.

And dont forget to offer some personal details too. Bydoing so, youll come across as friendly and open, andpeople will begin to trust you and give you insight intothings you dont know about like the fact that themanager of your companys finance department has justresigned or that the company is looking to partner upwith someone. This will give you the edge if yourelooking to negotiate your way up the ladder.

Lesson #4: Get the girl!

Whats James Bond without a leading lady? After all, nospy movie is ever complete without a love interest ortwo.

Heres how to always land the girl: If you want to getthe girl your mission will be to befriend her.

The easiest way to break the ice is to make her laugh.This will relax her and get her to open up. Remember,building trust is important and it takes time. Its notgoing to be something thats done over a meal sheneeds to know you dont have hidden motives. Dont

come across as somebody thats a wham, bam thankyou, maam kind of guy. If shes really worth it, takeyour time; patience is an important quality thats oftenoverlooked.

Your Insiders guide to personal success, wealth, health and happiness


13/16


11

Job hunting?Your email address could disqualify you from landing

your dream job

Landing your dream job starts with getting your CV tothe hiring manager. If it never gets there, or if its neverread, you have no chance. Thats why the single mostimportant thing you can do when youre looking for anew job is to make sure your CV makes it to yourprospective bosss desk and more importantly, into theto be read pile of applications.

Avoid these common mistakes and youll beat the othercandidates to the top of the pile.

Mistake #1: First impressions countSending your CV via a dodgy email address can stand inyour way of landing an interview. After all, whos goingto take an email address like [email protected] [email protected] seriously?

Thanks to the increase of free email address sites on theweb, you can set up a professional sounding emailaddress in next to no time. Choosing something safe like [email protected] will give the rightimpression and could double the responses without you

changing a single line of your CV.

Mistake #2: Leaving out the job objective

According to career advisor, Tatiana Varenik, one of themost important things you need to include on your CVis to show the prospective employer what directionyoure moving in and what career goals you want toachieve. To do this, provide a job objective a brief introduction to your resume that establishes youremployment goals.

In it, identify the types of jobs you have the right skillsand qualifications for. Including your objective not onlyhelps you understand your own goals, but also givespotential employers an idea of where youre going andhow you want to arrive there.

Dont forget to adjust your job objective every time yousend out your CV to align your objectives with theposition on offer.

Mistake #3: Selling yourself short

Many job seekers forget that their CV isnt just aboutpast jobs! Its about THEM! So make sure your CVhighlights your accomplishments at your previous jobsand showcases what youre capable of, how you

achieved your capability, how you apply your skills and,most importantly, how the skills you have will benefityour new employer.

The easiest (and fastest) way to improve your CV is toremove everything that starts with responsibilitiesincluded and replace it with on-the-jobaccomplishments.

Remember, prospective employers arent interested inthe activities you performed on a daily basis theyre

interested in how well you performed those activities.

Never forget that its your CVs job to market you!

Mistake #4: Trying to stand out too much

Unless youre applying for a job in a creative industry like advertising a professional CV layout is critical toyour job hunting success.

Keep it simple and easy to read, use black ink and astandard font such as Arial, Geneva or Times New

Roman. Dont forget to include bullet points (so thatyour information is easy to glance through) and make itno longer than two pages.

Remember, it takes approximately 30 seconds to glancethrough a CV. If your information is organised in longparagraphs that are difficult to read quickly, it mostlikely wont be read at all.

...personal suc c ess, wealth, health and happiness

Over 40 and looking for a ne w job?He res how to avoid a g e discr iminat ion...Remember your CV doesnt have to present yourentire work history. Instead, divide the work historysection of your CV into Recent Work History orRelevant Work History and only describe the last10 or 15 years of your experience. Below your10-15 year work history, add a paragraph headed

Prior work experience and simply refer to anyadditional important (but ancient) jobs withoutmentioning dates.


14/16

12 Your Insiders guide to personal success, wealth, he a lt h and happiness

One in every seven people suffersfrom kidney stones!

Heres how you could beat the oddsthe drug-free way

Dr Jonathan Wright isnt your ordinary doctor. Hes a pioneer in revolutionarymedicines and health breakthroughs and works tirelessly to bust myths about ageing and ailments... To show us how the chemical drugs we swallow so readily can havedevastating effects on our bodies... And find more effective, safer remedies that could truly heal our hurts.

Each year, more than half a million people visitemergency rooms with kidney stone related problems.The problem is so huge in fact that one in seven peoplerun the risk of developing painful kidney stones in theirlifetime.

But forget costlymedications, all youneed to do to cut yourrisk to almost nothing istake your daily vitamins.

Cut the risk ofdeveloping painful

kidney stones by up to92%

Im no longer amazed bythe advice given todayby mainstream medicaldoctors on preventingthe most common typeof kidney stones (thecalcium oxalate variety) but Im stilldisappointed.

Some doctors tell their patients to cut back on dietaryand supplemental calcium, others counsel their patientsto reduce calcium and salt and to drink lots more water.A few even give prescriptions for diuretics.

But none of this is necessary (or helpful for thatmatter).

Yet the mainstream seems to be turning a blind eye tomethods clearly proven to help.

In 1974, two Harvard researchers found thatmagnesium oxide (300mgs daily) and vitamin B6(10mgs daily) could reduce the risk of recurrent calcium

oxalate stones by 92.3%. Their research was publishedin the Journal of Urology .

Harvard? Journal of Urology ? What more could aurologist ask for when it comes to research?

But despite this research, recommendations for lowcalcium diets just kept on coming.

In 1991, the British Journal of Urologypublished anotherprevention study.

During a five-yearinvestigation, researchersdetermined that the useof 10gms (less than 1

tablespoon) of rice brantwice daily after mealsreduced new calciumoxalate kidney stoneformation by 83.4%.

(To this day, not oneperson Ive asked hasbeen told by his or herurologist about thisharmless treatment.)

Dont change your diet Pop your dailyvitamin instead

But the really great news about all this is that the sameamounts of magnesium and vitamin B6 that were foundeffective in preventing calcium oxalate kidney stonesback in 1974 can be found in many high-qualitymultiple vitamin-mineral formulations today.

All you need to do to get enough magnesium andvitamin B6 from a multiple is to take the four to sixcapsules daily that are usually called for by the labels of these products. Add 2 or 3 teaspoons of rice bran twicedaily and your chances of getting a calcium oxalatekidney stone will be close to zero!


15/16

The common health problem thats more serious than youthink For most of us, allergies arent a serious problem. But new research shows that more than 70% of those suffering from allergies arent reacting to their environment, theyre showing symptoms of far more serious ailments.

Divorced? Know your rights when it comes to payingchild supportAre you paying too much maintenance? Or too little? Next month, we explain the ins and outs of child maintenance and show you a handy online calculator you can use to find out if yourepaying the right amount before you land in court.

Business blueprint revealed:How someone elses empty truck could make you an easy R2,700a week!Heres how to set up your very own logistics business without the hassle of owning a fleet andearn R2,700 extra a week by doing so!

Email driving you to distraction?Try this simple two-part remedy...Did you know that most of us spend more than 24 hours each month trying to get on top of ouremails? Never mind actually answering them. So if you find your emails are driving you todistraction, try this simple two-part solution to getting your work done without those peskyinterruptions.

In your next issue

If you thought this month was packed with insider tips and tricks...Look out for next month where we give you valuable reports,discounts off health products and much, much more...All for FREE!


16/16

Inside this months issue

Insider Confidential October 2010

Copyright 2010 Fleet Street Publications (Pty) Ltd. Written queries to be addressed to: Private Bag X16 Northriding, 2162. Subscriber queries; Tel: 0861114 365: Fax: 0861 114 719; email: [email protected]. We research our recommendations and articles thoroughly, but disclaim all liability for any inaccuracies

or omissions found in this publication and our correspondence. ISSN 1365-6384. Registered in SA No: 1999/019170/07. VAT No: 4430185282

Invest in SAs top properties from as littleas R500 a monthIf youre in the market for a new house, nows a great time tohunt for bargains! But if you dont have enough money savedto apply for a second bond dont fret. Weve discovered afantastic way you can get into property from as little as R500 amonth!

Turn to page 5 now...

Introducing 12 unbelievable D.I.Y uses forcucumberThink cucumber are only good for salads? Think again. In thismonths issue we reveal 12 incredible things you can do with thiscommon veggie...


One in every seven people suffers from kidneystones! Heres how you could beat the odds thedrug-free wayEach year, more than half a million people visit emergency rooms withkidney stone related problems. But forget costly medication, doing thisone simple thing could reduce your risk to almost nothing...


Job hunting? Your email address could disqualifyyou from landing your dream jobPlus four more mistakes that will get you rejected before you land that all-important interview


insider confidential - october 2010

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