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Nikki’s Tip of the Week – week-ending 9th December 2017 & Some Freebie Opportunities.

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This is my last missive of 2017 as I am closing on Friday the 15th December 2017 and will be reopening on Monday 8th January 2018.

A new year, a new month, a new week, a new day and of course a new opportunity!

I can’t believe how quickly this year has gone, it feels like it has been ‘in the blink of an eye!’

There is so much I have accomplished, so much I have done, so much I have seen and so much I have not only learnt but also put into action.

There are so many that I have lost, but also so many I have met and gained. So many highs and yes, even a few lows, but in general it has been an amazing year and I am very grateful to have been able to share much of it with you.

I wish you all Merry Christmas, or Happy Chanuka, or Happy Holidays (whatever your persuasion may be). If you’re travelling – be safe. If you’re staying at home – be safe. Whatever you do, enjoy it, be grateful for it and celebrate all that you have done for 2017 and all that you will get to do in 2018.

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 N Viljoen Consulting CC

Today’s quote comes from Johann Wolfgang Von Goethe who said “The greatest thing in this world is not so much where we stand as in what direction we are moving.”

Well I don’t know about any of you, but I certainly would like to be moving in a forwardly direction!

On a personal level though, I think that we as individuals don’t take enough time and trouble to stop – turn around and see just how far we have come. I mean think about it for a moment, how on earth would be know if it is the greatest thing in the world or not, if we don’t even acknowledge that we are moving forward and not sideways or backwards, although I am sure we are very conscious of that fact when it occurs!

For me it is not just ‘moving’ forward and achieving that is important, but also acknowledging to myself that I am moving forward and that I am in fact achieving – otherwise what would be the point?

I know that I am certainly very guilty of this oversight. Once a year though, on New Years eve in fact, (I don’t celebrate New Year, in the traditional sense – but that is another story for another time), I discourage visitors and switch the phone off, light the fire – a huge big fire, open up a bottle of particularly good red wine and have a braai (or barbeque for those who are not “African”) for one.

Now I know that that may sound frightfully morbid or sad, but for me it is extremely self satisfying. You see, it is the time of the year that I take out the goals that I set for myself at the beginning of the year, I ‘tick off’ and acknowledge each one of the goals I have achieved that were on the list, and add all the goals that were not on the list but that I have achieved anyway – and the ones that I haven’t – well they couldn’t have been that important anyway (and if they were – then I add them onto the new list).

I think that we as individuals are so busy chasing after the goals that we have set and beating ourselves up about the ones that we did not achieve, that we forget about the ones that were not on the list, but that we have achieved anyway. Situations change, perceptions change, new opportunities present themselves and yet we somehow feel the need to rigidly stick to something that was written down on paper. Why? My answer to that is this, once I have ticked off all that I have achieved, added all the ones that weren’t there – I drink a toast (well several actually) to myself, pat myself on the back and burn the list with the goals on it! Why you may ask? Well it’s quite simple, I don’t want a constant reminder of what I did not get to, glaring at me all the time, so I erase it!

Then I make a new list for the new year – a clean slate with new exciting visions and attainable goals – well attainable as I write them down on New Years eve. But hey, guess what? Situations change, perceptions change and new opportunities present themselves, so nothing that I write down on my piece of paper is carved in stone and it’s not the end of the world if I don’t achieve them because, well, next New Year’s eve, they too will be celebrated and then burnt.

Do I ever have any regrets? Sure I do – one of them is that I only perform this ritual once a year. It doesn’t seem like it is often enough. Perhaps I will put it on my list this year, that I will perform this ritual twice a year! Yip, that’s what I will do and if I manage to achieve that, then I will drink a toast (or maybe several) and if I don’t – well, it’s not the end of the world – you see, I will have achieved other goals, I will have acknowledged that I am moving forward in the right direction, I will have recognized and done something with the new opportunities that presented themselves and I will have celebrated all of that.

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: