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Nikki’s Tip of the Week – week-ending 2nd December 2017 & Some Freebie Opportunities.

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What a whirlwind of a week this has been. I imagine that if we had to look down upon ourselves from a great height, we would resemble an ‘ant colony’, with everyone running around frenetically trying to get everything done by the time that the offices and businesses close for the Christmas holidays, except of course that the ants are more organised than we will ever be! We’re just a chaotic mess. With tempers being lost, tired children screaming with equally tired parents trying to either ignore the screams or desperately trying to calm them down. The malls are a nightmare and the roads . . ok, let’s not talk about the chaos on the roads.

With time being in such short supply, is there still time left to dream? Yep, you read me correctly . . Is there still time to dream? Dreaming is so important – not the dreams that come from sleep, but the dreams of where we want to go in our lives or what we want to achieve, those dreams.

I have a weekly space in my diary – that’s how important it is to me. It’s the ‘me’ time when I visualize what I want to do and then visualise how I am going to get there. Then I plan it step by step and create an action plan in order to turn that dream into a reality.

Because, of course, a dream that has not been actioned is, and will remain . . . just a dream.

I’ve had my dream time this week! Have you?

Anyway . . . on a lighter note, but still being proactive.

I was asked the other day if there was any guarantee that ‘nothing’ would happen by being compliant with PoPI! My response – just because you have car insurance it doesn’t mean that you won’t have an accident! The reality is that if you have done everything ‘reasonably’ available in order to ensure that stolen data or sensitive information, is not hung up like dirty washing for all to see, then you will be relatively safe

Peter is still doing his introductory webinar’s on a Tuesday evening, all the details are below this weeks’ article. I sincerely hope that you join him – it is for free at this time.

There is also some super freebies from another of my guru’s T. Harv Eker. It was Harv’s teachings at the MMI seminar in 2014 that changed my whole life and the way that I look at things and I still use his teachings today and will probably do so until the day I die.

Have a look below Pete’s offerings and please, if you are able, get yourself onto one or more of his online courses. You won’t be disappointed!
Here’s the deal . . .

Please feel free to engage with me, or not. Please feel free to send me your own snippets of information, early warnings, appropriate funnies and what have you, to share with other like-minded individuals, entrepreneurs and start-ups.

I hope and trust that you will enjoy the journey with me.

This weeks’ Blog:


By Nikki Viljoen of Viljoen Consulting CC

Today’s quote comes from Harry Kemp, who says:

“The poor man is not he who is without a cent, but he who is without a dream.”

Well this is good news for me specifically, that’s for sure. A great deal of my ‘down time’ is spent dreaming. Sadly though, this is not the case for everyone.

I once had to interview of the staff members, for a client of mine. He had just bought another company out and when the staff of both companies welded together, there were obviously a great number of overlaps. So he needed to ascertain who was best for the job at hand. I did the interviews and checked what they were doing against what the job description was and then against what their CV’s said that they could do and then asked them what they wanted to do – what their passions were.

One chap looked at me quite blankly, when I asked him what his passion was. He really struggled with the question, grappling for an answer. Seeing his dilemma, I asked the question “If you won the lotto and you received R20 million, what would you do?” Sweat broke out on his brow – he was still at a loss. I asked him what car he drove, he told me it was a 1995 Mazda 323 (this interview took place in 2007), so I asked him, if money was not a problem, what car would he like to have. He hung his head as if he had done something wrong. My heart went out to him, it really did.

You see, he was married and his first child had just been born. He came from a background that was extremely poor and his only focus was how to get food on the table, clothes on his back and a roof over his head. When he married, his focus did not change, but now included the notion that he now had someone else to be responsible for, and when his baby daughter arrived it increased the pressure because now he had a family to provide for. He was so busy putting one foot in front of the other that he had not taken the time out to dream!

How incredibly sad is that.

I tried to think how my life would be if I didn’t have dreams and I must admit, I never got it right – I could not imagine my life without the many pictures, video’s and cartoons that flood through my brain at regular interviews. I’d probably be dead and even then considering my spiritual beliefs, I would still be getting those images!

Its fun isn’t it – to dream about the next house that you will buy, the next car that you will drive, the places that you hope to visit, the businesses that you build? Well I think it is!

My life certainly is much richer for the dreams that I have and for the many dreams, in my life that have actually come true – because it’s not just about dreaming, but also about making those dreams a reality.

So whatever it is that you do today, don’t forget to dream!

Nikki is an Internal Auditor and Business Administration Specialist who can be contacted on 083 702 8849 or or

Look what is happening in the world of Pete Carruthers.

But the earlier we address a looming problem the easier it is to steer clear of the rocks just below the surface. And the cheaper it is. And this POPI issue is like the iceberg that sank the Titanic.

I’ve invested 6 months and hundreds of hours digging into the detail of POPI. It’s real. It’s coming. In Australia it lands in February. In Europe it lands in May. Our crowd are a little slower. And that’s a good thing.

Few of us grasp the full challenge this POPI Act poses.

Lets look at the recent Hetzner data breach as an example.

The facts:
• Hetzner lost a bunch of records containing email addresses and passwords. (We can agree this is personal info, right?)

The Pre-POPI Scenario:
• The press gets into a froth as they publish it.
• We all mutter about corporates not playing nice with our info.
• We all swear at the government for doing nothing about it.
• It seems that this same thing happened to Hetzner Germany a few years ago.
• And that’s the end of it because we don’t have a law to deal with the fallout. Nobody has any reason to take any care.

The Post-POPI Scenario:
• The press gets into a froth again.
• The Information Regulator starts an enquiry, arriving suddenly and in force to seize evidence.
• It seems that this same thing happened to Hetzner Germany a few years ago.
• This is enough to prove unreasonable laxness.
• In turn this is enough to issue a large fine.
• And then to imprison the person at the top of the Hetzner pile.
• Which opens the door to those of us who’ve suffered anxiety to sue for damages.
• All of which costs Hetzner a fortune.

How is the personal info that Hetzner holds different from the personal info you hold?
A few simple examples:
• Doctors hold deeply private info about us. Literally warts and all.
• Hotels hold copies of our passports and IDs. Including enough info to steal our identities.
• Recruitment agencies hold our CVs with salary info, and employment history, and often IDs.
• Pharmacists hold copies of our prescriptions detailing all our embarrassing issues.
• Each of us holds intimate business discussions in our email.

How can we expect big business should be held to a different level of accountability than we are?

I would be just as peeved if my doctor lost some info that led to my insurance firm cancelling my insurance, or my wife cancelling my marriage, or a bunch of people being entertained on Instagram by my photos of my pre-surgery face.

Bottom line: POPI says small-business owners face the same robust demands to protect personal information as big firms. There are a few small differences in what we do. Big firms need to update their Section 51 manual. Small businesses (typically under 50 staff) don’t need a Section 51 manual at all.

Look at what’s Happening with T. Harv Eker

Here are Harv’s special URL’s to give to anyone that I feel will benefit from the Zero To MultiMillionaire web class or Million Dollar Business Secrets program, and of course I am a sharing girl, so that means it is open to all of you.

Just click on the link for all the information that you need and remember that attending one or both of these is completely FREE

Link for SpeedWealth E-Book:

Link for Zero To MultiMillionaire Webinar Registration: