Do you want to be rich, or happy?

Would you like to be rich or would you like to be happy?

What does being rich give you… really?

Does being rich mean you will have a bigger house, a better car, more in the bank account, or better meals? If so, what do those things give you?

You, like many others, may want MORE, BIGGER, BETTER, and you work hard to get those things… and, truth be told, haven’t you had them in the past? Is your life right now (the life with which you find yourself currently dissatisfied)  somehow “bigger, better or more” than the life you used to have a few years ago?

Where you are now, is probably a result of you wanting something different in the past. Now you have what you once wanted, are you feeling good? Or do you still want more?

Do you want “bigger, better and more”? Really? Why?

Most people, if asked a few questions about exactly WHY they want a bigger house, better car, nicer partner or more money, will end up responding with “because it will make me happy”

Understand that around 60% of the world’s population live on $1 a day. For them, having $5 in the bank would make them very happy. If you lived in a mud hut in Africa or under a single sheet of tin in India, a single room with clean running water may make you deliriously happy… well, at least, up to a point.

There comes a point where $5 is not enough, and often, even those with millions of dollars are still seeking “bigger, better, more”. Why is this?

The set-point of happiness is where you place it; and it moves as you do. 

Most of us place the happiness set-point just outside of our reach. Those with $1 want $5, those with $10 000 want $20 000, those with a 4-bedroom house want a 7-bedroom house and the bloke with a BMW wants a Ferrari.

Understand that the happiness point is where YOU place it. 

The happiness set-point was created by YOU. When you get this, when you *really* get this, you can finally take control over your life, control your destiny and stop being lead around by TV, radio, media, flashy ads or signs. You can break the grip of marketing, salespeople, consumerism, bosses or other people who are telling you what you need to do to finally “get happy” and get to the next step.

(There was a time when you thought the iPhone 3 would make you happy, right? And where is it now?)

Your happiness set-point is where you set it. 

What would happen if you could make your happiness set point 10% less?

Could you really be happy with less money? Billions are happy with $1/day. Could you be happy with a smaller house? Millions are happy living in far less than what you enjoy. Could you be happy with a partner, car or computer that was not the latest and greatest, but still performed reasonably well?

At this point, you may be saying, “Well, yeah, I *could* be happy with less, but would I be *really* happy?”

The answer is: YES. Yes, you can be really happy. You can if you think you can.

Yes, you can be happy with anything. All you have to do is to move your set-point.

JB and Buddha on the beach

At this point you may be wondering “Is it worth it?” or “How do I move my set-point?”

The answer to those questions are “yes” and “practice”.

The reason why “money can’t buy you happiness” is such a cliche is because it has been found to be true by millions of people over thousands of years. It is true that money does not bring happiness, however, the flipside may be true:

Happiness can bring you money.

Consider the number of times you have walked into a store, restaurant or cafe and the person serving you is lazy, rude, or merely disinterested in helping you. People who have no love for their work generally rise to the level of their mediocrity and stay there, earning “just enough” and reaping very little financial rewards.

The other side of the coin is those rare moments where you receive outstanding service from someone who is happy, helpful and loves to serve. I have received amazing service from people in retail, hospitality and other areas, and when these people truly amaze me with their service, I will often send a Thank You letter or email to their boss.

On more than one occasion, I have returned later to the same business and asked the whereabouts of the person who inspired my letter, and been told, “Oh, s/he got a promotion and moved to XYZ”

If you are outstanding, you are going to Stand Out

When you love what you do, or where you are, or who you are with; when you are happy already, more opportunities will flow to you. This can result in more friends, connections, and yes, even more money. Money may not buy you happiness, but happiness can bring many rewards, and yes, happiness can bring you money as well.

You are in control of your happiness. It is an inside job. You can control your life.

All you may need is a little SHIFT.

Contact us for free audio meditations on happiness and business, which you can listen to on your phone or PC,

Please subscribe to this blog, and do connect with me for more wit & wisdom at



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Happiness is good for business

  • Happiness is good for business.
  • Happiness is 90% NOT related to money, sex or IQ. 

JB meditation sunrise & ships -- Sun&Soul Photos

It’s official: happiness is good for your career, and your career can make you happy.

In today’s business world, driven by competitive advantage, success and wealth, happiness can easily be relegated to a wishful aspiration. But as we look for ways to succeed, one psychologist believes the ancient goal of happiness can bring us not only personal well-being but career prosperity.

Dr Martyn Newman, consulting psychologist for Randstad, says three decades of research has established clear links between specific emotional skills and our health, wealth and well-being.

“We have found high levels of emotional capital lead to increased productivity, and as many studies show, happy people are more creative, solve problems better and more quickly, live longer and enjoy high levels of leadership influence. When people feel better they perform better.”

But how can we feel happier more of the time? Three big findings have emerged from research into happiness and they may surprise you.

1. It’s not all about your environment

Outward conditions such as financial wealth, high IQ or being in a committed relationship account for no more than 10 to 15 percent of the factors that contribute to satisfaction.

2. It’s not all in your genes

Although there is some level of genetic predisposition for happiness, our future life satisfaction is not set in stone. Genes influence such traits as having a positive, easygoing personality; dealing well with stress; and feeling low levels of anxiety and depression.

However, a systematic study of 4000 sets of twins concluded that only about half of life satisfaction comes from genetic programming.

“This means that half of our future happiness rests in our own hands,” says Dr Newman, author of Emotional Capitalists – The New Leaders (John Wiley) and the Emotional Capital Inventory – the first scientifically designed tool for measuring emotional intelligence and leadership.

“We are neither at the mercy of our moods nor our environment, but rather our emotional well-being is more in our control that we ever imagined,” he says.

3. We can control our happiness!

The way we live and think, how we perceive life’s events, and how we react to them can exert considerable influence on our happiness. “We can take the edge off negative feelings by directly awakening positive feelings.

We often have more freedom than we realise to improve our perception of a situation – even when we can’t directly change the situation itself.”

Another surprising discovery from brain research is that the adult brain continues to develop and change.

“These changes are triggered by thoughts, but even more by emotions,” says Newman. Just as we can learn a new sports skill, we can train our natural aptitude for positive feelings and increase our capacity for emotional wealth.

Using optimism as a strategy can also be an effective way of dealing with difficulties and sensing opportunities. If we give in to negative emotions like disappointment or sadness, we not only fail to ease them, but we actually reinforce them.

“Repeated emotions like joy or sadness act like drops of water on a rock. Each one evaporates quickly, but over time many drops carve out a channel. Fortunately, it is not only negative emotions that can become entrenched with regular use – optimism, too, can become a habit.”

Loving what you do is a necessary condition to maintaining your emotional well-being, according to Newman.

Passionate people spend twice as much time thinking about what they’ve accomplished, how achievable the task ahead is, and how capable they are of achieving it.

The most fundamental finding from the science of happiness is that almost everyone feels happier when they’re with other people, especially when they are contributing to others.

“Practicing kindness, compassion and other virtues lifts your stocks of emotional capital. Giving makes you feel good about yourself and it creates meaning in your life,” says Newman.

4. Happiness makes you more effective and enables peace of mind.

When your mind is peaceful your mood lifts, you take in information effectively and your mind becomes agile and creative. A consistently positive mood also enables you to foster positive feelings in the people whose cooperation and support you need – the perfect recipe for business success.



Source: why happiness is good for business 

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I read the Branson book, why am I not rich yet? (2 key steps)

I read Richard Branson’s book, and watched “The Secret”, why am I not rich yet? 

Many people read a book by Richard Branson or Bill Gates and wonder six months later why they aren’t rich. You may even have read six or seven books, watched “The Secret” on DVD, bought a few homestudy programs or attended a weekend wealth-building seminar. But nothing changed, right?

This is not the blog post I was looking for…

It’s funny: I had a great idea for a blog post, something which usually happens only once a month or so, and when I typed in the address of my blog, I accidentally hit “Google search” instead of “.com”

Instead of going directly to my blog site and typing up my initial brilliant idea, Google opened up some ancient history…

jb one 1 year old small res pic.jpg

Nope, not that ancient…

That’s me and my Mumma at the beach when I was around one year old. They didn’t even have Google back then. They had terry-towelling hats, high-waisted pants and Jackie-O sunglasses… It was obviously the year of the hyphen 🙂

What Google opened up during my accidental search was some blog posts and entries from 2006 and 20009. It was interesting to see what was posted back then, especially from a 2016 perspective.

If you looked back on your life from 7-10 years ago, how much change would you see? Were you fitter or fatter? Did you have more money or less? More friends or less? More free time or less? Do you have the same job or business you did back then? Has your life been consistent? More to the point: has your life been consistently good or consistently “not so much”?

Check your consistency here, for free

I Googled myself accidentally, but it’s easy enough to do it deliberately. You can put your own “Firstname Lastname” in quotation marks and Google that, or you can put your “Mobile Phone Number” in quotation marks and Google that, or you can put “YourEmail@Address” in quotation marks and Google that as well.

I caught up with two friends yesterday, and asked one of them why he had been messaging me on Facebook but not replying to my texts. Turns out he changed his mobile number a year ago and I had been texting to an unresponsive random stranger. My other friend has had the same mobile number since I met him in 2005, and I have had the same phone number since around 1996.

JB testimonial 2006 Norm.jpg


(I don’t know “Normy” and never even saw his 2006 testimonial until today (ten years later). It’s interesting that I am still following the same passions, have the same website, same email, and I am still advising clients on the same things a decade later.)

Hey, it’s OK if you are a gypsy, a drug dealer, or in the Witness Protection Program, and you need to change your phone number and email every six weeks. That’s OK. Just know that one of the big keys to success in any area is CONSISTENCY.

Assuming you are not “on the run”, could you handle some more progress?

Many people read a book by Richard Branson or Bill Gates and wonder six months later why they aren’t rich. You may even have read six or seven books, watched “The Secret” on DVD, bought a few homestudy programs or attended a weekend wealth-building seminar. But nothing changed, right?

Forget everything you think that you know about money and success. 

Just imagine you’re on the fitness trail. You can buy an Oprah Winfrey recipe book, or an Arnold Schwarzenegger workout and exercise book, and you can read them easily enough. Much gratitude to schools for teaching literacy; what they failed to teach was consistency.

If you read the Oprah diet book and cook one meal, you will not fix your fat problem. If you cook every meal in the book for a month, and then stop, you will not see much progress, if you see any.

If you read Arnie’s book and do one or two exercises, you will merely get sore muscles. If you do every exercise in the book for a month, and then stop, you will probably not see much improvement in your physique or your fitness.

JB YC combo pic

(These pictures were taken around 8 years apart. It’s the same hat! Hahahaha)

A good Personal Trainer (PT) will tell you that if you consistently follow a diet AND exercise program, then you may start to see changes in your body in around 6-8 weeks. The PT may tell you that it will be another 10-14 weeks of consistent work before your friends start to notice that something has changed.

Even if it has been built over 3-6 months, without continuing consistent action and focus, your change may not even last a year, and you will be back where you started if you don’t break your old chains of habit.

Exhibit A in this example could be Oprah herself. She lost a heap of weight, wrote a diet book, got fit, wrote an exercise book, and then went and put all the weight back on again. It seems that one year of exercise and eating well could not overcome a lifetime habit of poor choices. (Perhaps she could have tried hypnotherapy, for a more permanent mindset change?) 

Oprah has not succeeded in consistently eating well & exercising well, and that’s OK. It may not be that big of a priority to her. Her big priority seems to be building a broadcast media empire, and she has consistently worked at that, week in, week out, for many many years.

If you are overweight, underfit, uninspired, working away at a job which you don’t enjoy, or have a business which you are no longer passionate about… If you are maintaining a mediocre relationship or have average health and you’re waiting for the “ONE DAY” when you will do something about it… then today is your day.

Today is YOUR DAY

JB blog 2009

(Blog post from 2009: still loving investments in Asia)

Most people do not have consistency to go to the gym every day. That’s why there is an entire industry of personal trainers, who will make sure you show up, keep you accountable for your goals and track and adjust your progress as necessary.

Nobody ever got fit by joining the gym in January (how’s your new year’s resolutions going?). You have to join, and you have to go, and you have to go consistently.

Wealth, like fitness, is an initially inside job that exhibits later on the outside. You start off with exercising the mind to only make healthy or wealthy choices. You “Flick Your Rich Switch”. You strengthen your brain by thinking often about your goals and your choices. Then you follow those choices consistently on a daily basis, with the required action. Then you do it again and again and again, every day, for months or years. And then you succeed.

Oprah did not become a household name and the Queen of the media by doing ten news stories, or a hundred; she did thousands. Arnie did not become a household name and the King of bodybuilding by lifting a barbell a dozen times, or a thousand times; he did the same thing every day for tens of thousands of days.

JB and Buddha on the beach

(The beach where I completed 1500+ hours of meditation, and attracted the attention of many fellow meditators, and a documentary film crew. Every single day, rain, hail or shine for four years. That’s what I mean by consistency.)

The reason why you don’t have what you want, is because you’re not doing the things which you need to do, ON A DAILY BASIS, over the longer term, in order to achieve those goals.

This is why serious athletes have a coach whom they meet with and speak to at least on a weekly basis. This is why Hollywood celebrities who trade off their beautiful bodies or faces have a nutritionist and a personal trainer, not just an unused recipe book and a dusty home gym set.

This is why you need a life coach, business coach, a wealth coach or other professional: you need someone to keep you accountable. You need someone to get you up and get you moving when you are too tired, or too lazy, or too stuck in your old habits. You need someone who speaks with you regularly, gives you tasks to complete, follows you up, monitors your progress and keeps you on track.

You can find specialised coaches for many different areas of your life, or you can choose a holistic coach who covers a few areas. Initial discovery consultations are free of charge for most coaches on, so you can get to know who will be a good match for your personality before you agree to a regular ongoing program.

(“Ongoing program”: see how I slipped that in? Not a 3-day workshop. Not a 10-week homestudy course. An open-ended, whatever-it-takes, however-long-to-achieve, ongoing program that does not quit until you’re done.)

If you want to make changes and achieve things in future, that you have not been able to achieve in the past, then you will need to establish consistency, and you will need to enlist the assistance of a new coach or team member, to help to keep you accountable.

Get these two things, and instead of being a part of the crowd who is reading another book next year and wondering why nothing has changed, you will be standing up proudly, on the podium of your achievement, like the winning professional athlete who trained, consistently, with the help of a championship coach.

sunrise victory salute

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Things you never knew you could claim tax deductions for at end of financial year

TAX time. It’s either highly anticipated or a dreaded nightmare depending on how organised you are.

But the end of financial year can be a veritable bonanza if you know what you’re looking for.

Research from Officeworks shows  the average Australian will miss out on $426 of unclaimed tax each year — or $1.65 billion nationwide. Most people are also largely in the dark about what they can claim, with 40 per cent of people saying they had no idea they could claim a tax deduction on petrol, while around one third didn’t realise home office expenses could reduce their tax bill.

Finance writer Justine Davies said you don’t have to be running a business to claim things like stationery or desk lamps at home.

“You just have to have a dedicated place to work at home … If you’re doing a few hours of work at home each week you can claim a number of things.”

“Unfortunately most people don’t think about it until after June 30 …[But] if people can think about it now as opposed to early July that will be more money in their pocket this year.”

Supplies for a home office are eligible for a tax deduction.
Supplies for a home office are eligible for a tax deduction. Source: News Corp Australia


Generally speaking, the ATO states that to claim a tax deduction a purchase must have been made in the last financial year and be work-related rather than personal or domestic. It must be something you won’t be reimbursed for, and you may need a receipt as evidence. You can’t include things like speeding tickets or parking fines.

MORE: ATO announces areas it will target for annual tax returns

Provided this criteria has been met, workers can generally claim work-related vehicle and travel expenses, occupation specific clothing, laundry and dry-cleaning costs as well as gifts and donations made to organisations deemed to be deductive gift recipients.

Things like home office expenses, self-education costs, plus any journals or trade magazines can also be claimed, as can tools and equipment for work, and union fees. It’s also possible to get tax deductions on interest and dividends if any expense was incurred while earning them and expenses incurred in last year’s tax return.

MORE: For a full list of deductions visit the ATO website

But there are some additional extras depending on the industry you work in. Check out some of them below:

Keeping a record of your receipts and expenses is crucial.
Keeping a record of your receipts and expenses is crucial. Source: Supplied


Working from home means you’re potentially eligible to claim a number of expenses, depending on whether you run a business or just do a few hours a week. Things like gas and electricity costs, office items like a printer, scanner, computer, shredder and even a desk lamp can all be claimed, as can work-related phone expenses.

Home office furniture like desks, chairs, footrests, heaters or light fittings can also be eligible for a deduction, although these may need to be depreciated over time depending on the cost. Repairs to office furniture or equipment, as well as the cost of leasing any work-related items like computers or software may also be tax deductible.

Mining workers can claim tax deductions for outdoor equipment.
Mining workers can claim tax deductions for outdoor equipment. Source: AFP


You can claim a deduction for the cost of buying, hiring, replacing or maintaining protective clothing worn at work such as fire resistant clothing, steel-capped boots, safety coloured vests or sun protection clothing.

Builders can also claim ear muffs, while police officers can claim bulletproof vests, Ms Davies said. Truck drivers are able to claim the cost of a portable fridge, while flight attendants can put rehydrating moisturiser down as an expense. Those in the fitness industry can claim the cost of aerobics DVDs.

If you work in the sex industry you can claim your toys and clothes. Picture: 


Adult industry workers can claim the cost of their costumes and lingerie as tax deductible, as well as items like condoms, lubricants, gels, oils and tissues used for earning and income.

Stage make up and dance lessons can also be claimed, but not general make up, hairdressing or the cost of a gym membership. Everyday clothes are also off-limits, although mobiles and car travel for work purposes as well as novelties and fetish equipment is deductible.

Pro athletes can claim the cost of sunscreen for their games, and fees to negotiate new c
Pro athletes can claim the cost of sunscreen for their games, and fees to negotiate new contracts. Source: News Corp Australia


Anything used in the course of your on-field performance can be claimed, including hats, sunglasses and sunscreen, although shaving products and general hair care can’t be.

Fees to negotiate new contracts and travel expenses are also deductible, as are any fines and penalties received for on-field conduct. However fines, penalties and legal expenses for off-field breaches of conduct are not tax deductible.


Performance artists, mimes, clowns, entertainers can claim wigs, costumes and coloured contact lenses. Source: UK Mirror


Performance artists can claim for work-related clothing costumes, for example a clown outfit, while dancers can claim the cost of special tights and shoes. Ms Davies said those who work in the performing arts can also claim the cost of tinted contact lenses.


Hairdressers can also claim a capital allowance for the decline in value of their work equipment including mobile phones and fixed line telephones. They can also claim an allowance for hair cutting and styling tools or any compulsory work-related clothing.

Hairdressers can claim a capital allowance on the cost of their equipment.

Hairdressers can claim a capital allowance on the cost of their equipment. Source: Supplied


Even if you spend your days in a fluoro-lit cubicle there could be something in it for you at tax time. Journalists are able to claim sunglasses if their work requires them to be outside, while lawyers can claim the cost of wigs worn for appearances in court.

“If you are doing a stock standard office job, definitely jump onto the ATO website because they have a whole heap of fact sheets depending on what you do,” Ms Davies said.


If this all sounds like a bit of a nightmare and you’re vowing to be more organised next year, Ms Davies said the best thing to do is keep your receipts in one place.

“They can be a nightmare to track down at the end of financial year … Just keep them, even if you don’t think they are claimable, just scan them and make a digital file it will make it so much easier to find.”

It’s also a good idea to jump onto online banking around June 30 and download your transaction history for the last 12 months which can provide a good record of what you’ve spent or any interest earned.

Beyond that, have a good look at the ATO website before filing your tax return to check out any information you need to prepare like group certificates and any other income from investments you might have received. Also check if you’re eligible for any rebates and make sure you lodge your tax return on time.

This advice is of a general nature and individuals should check the ATO website for a full list of possible deductions relating to your industry.

Source: Things you never knew you could claim tax deductions for at end of financial year

(BTW — keeping receipts and claiming deductions is just asking for your own money back from the ATO. If you have an issue with them taking your money in the first place, please, do get in touch.)

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Save Your Time, Money (and your sanity!): Here’s How To Opt Out of Almost Everything 

From online advertising to your obscure relative’s funeral, you can often get out of almost anything. Here’s how to say no and opt out.

Opt out of Advertisers tracking you online

Opt out of: Advertisers tracking you onlineISTOCK/POIKE
If you have the strange sensation that you’re being followed online, you’re not crazy. You are. Companies leave “cookies” on your web browser and collect data about you in order to sell you goods via customized ads. You can put a dent in those ads by going to the site of the Network Advertising Initiative, where you can opt out of those pesky advertisers. But note, it doesn’t mean you won’t continue to receive ads. You just won’t get ads from NAI members.
You can also regularly delete your cookies from your browser: google how to delete cookies for your specific browser. You can also consider using Ad-Blocker software to remove banner ads, inline ads, and YouTube ads (

Opt out of a Social commitment

Opt out of a: Social commitmentISTOCK/GEORGIJEVIC
The simplest way: Don’t make the plan in the first place. “Stop making plans with people you don’t want to hang out with,” says If you have to show up to an event, “Set yourself a time limit.” But know this: If you do have to break a commitment, apologize, apologize, apologize. “Even if they know you’re lying, they’ll at least see that you cared enough to apologize to them. The words ‘I’m sorry’ can go a long way.”

Opt out of a Group text

Opt out of a: Group textISTOCK/MARTIN DIMITROV
Are you held captive by the constant pinging of the group-text monster? Here’s how to slay it once and for all. If you have an iPhone, says, go to the group thread, click “details” and either hit “leave this conversation” or just “do not disturb.” The latter will keep you in the thread, but you’ll stop getting notified every time someone texts.
The same goes for those annoying “group chats” in Facebook. Hit the button at top right (or swipe left) and choose to mute or exit.
If you’re an Android user, download an app called GroupXit that will silence certain message threads.

Opt out of a Car lease

Opt out of a: Car leaseISTOCK/BAONA
Getting out of a car lease without losing your shirt is tough. So you’ll need to take matters into your own hands by transferring your lease to a third party. For a fee, companies such as Swapalease and Leasetrader will help facilitate such a deal. “It was outrageous what I would have had to pay: $10,000 to $15,000 just to pay off the lease,” Sharon C* told But she found someone to take over her $550 monthly payments via Leasetrader and the whole transaction cost just $250.

Opt out of Office parties

Opt out of: Office partiesISTOCK/RAWPIXEL LTD
The dirty little secret about office parties is that many employees don’t want to attend. That said, you don’t want to look like Scrooge. So there are a few ways to make your colleagues realize you care. “Before the event, inquire about what you will miss,” suggests the New York Times. Afterward, corner someone and get all the gossip about what happened. If you really want to ingratiate yourself with your co-workers, do what Leslie McKeown, CEO of Evna does. When Mr. McKeown knows that he can’t join an after-work party, he heads to the bar ahead of time and leaves money with the bartender to buy the first round of drinks. ‘People are so surprised by this gesture,’ he said. ‘The next day they treat me as if I’d been there myself.’

Opt out of Getting junk mail

Opt out of: Getting junk mailISTOCK/FULLEMPTY
The Direct Marketing Association wants you to receive lots of junk mail. It’s good for their members who are hoping to sell you something. But if you don’t agree, they may be your best friend. Visit the DMA to stop some companies from sending you junk mail. It will only put a cease-and-desist junk mail order on the 3,600 companies it works with, but it’s a good start.
Beyond that, use the “Spam” button on Gmail, and have a special email address which you use solely for signing up for those special offers or free downloads, so your regular email is not inundated with ‘updates’ from marketers.

Opt out of a Date

Opt out of a: DateISTOCK/HOOZONE
Short of death—specifically, yours—any excuse for backing out of a date will be looked at badly. So, there’s really only one way out: honesty. But as Glamour reminds us, this way is fraught with peril and “reserved only for the most emotionally competent among us.” Glamour must assume that you’re a wuss, because they don’t suggest that you call, but instead write the following: “Hi there. So I know we’d said 8 p.m. tomorrow, but here’s the thing: I just, well, I just don’t think I’m ready to date at the moment. I think I thought I was, and you seemed absolutely lovely, and that helped convince me. But I’m not. It’s not you, it’s me, as they say. Apologies again.” In other words, you’re just not that into them, but at least you said it nicely.

Opt out of a Funeral

Opt out of a: FuneralISTOCK/XESAI
Don’t be wracked with guilt if the thought of going to a funeral fills you with dread. Although there is a convincing case for always going to a funeral, here is a nifty out: Offer any help or assistance that you can give outside of the funeral parlor. “Everything from the choosing of the casket, wake, floral arrangements, and reception takes a bit of planning and a significant amount of money,” says “Offer to assist monetarily or in another way which shows your care and concern for the dearly departed.”

Opt out of Calls from telemarketers

Opt out of: Calls from telemarketersISTOCK/PEOPLEIMAGES
If you’re tired of telemarketers interrupting your meal, put your phone number on the “do not call” registry. After 31 days, telemarketers aren’t supposed to call you anymore, and you can file a complaint on the same website if they do. There are exceptions, such as calls from political organizations, charities, telephone surveyors, or companies with which a consumer has an existing business relationship.
Beyond that, you can join the Do Not Call register: USA: , Australia: , check Google for other countries.

Opt out of credit card debt


The vast majority of the credit card contracts written in the last 30 years have been technically illegal. Don’t be surprised if your bank has not told you that they gave you a contract which will not stand up in court. As long as you do not contest it, and as long as you think you have to pay, the bank will continue to take your money.

To find out if your card is a legal and constitutional debt, or simply a created fiction, you may need to speak with an independent financial consultant, or a terrific lawyer. If you owe more than $10 000, this could be well worth your while and save you a fortune.

Opt out of your home mortgage


During the early 2000’s it was easy to get a mortgage; possibly too easy. Many people are now stuck with loans which they no longer want, and it can be hard to get out of the mortgage. If you find yourself in a loan contract you no longer want, in a neighbourhood you no longer enjoy, or in a position of “negative equity”, then you need to contact an alternative loan arranger.
A mortgage mediator can match someone who wants out of their mortgage, with someone who wants into a mortgage. This helps you out of a bind, and helps someone else into a new home: it’s a Win/Win scenario. 

Opt out of paying taxes











Many people may initially become outraged when they discover that tens of thousands of large corporations pay little or no tax. This initial outrage may then may give way to the question: “How can I do what they do?”

Whilst tax evasion is technically illegal, tax avoidance is 100% legal, and far more common than you would think.

Companies paying tax rates as low as 4%, or 1% or even less, include: Google, Apple, Facebook, Microsoft, General Electric, GE Finance, Amazon, Disney, BHP, Chevron, VolksWagon, Dell Computers, DropBox, e-Bay, Hewlett-Packard, PayPal, Oracle, Symantec, Twitter, Pfizer, LinkedIn, Energy Australia and many thousands more.

Minimising tax to single digits or less is not illegal; you just have to know how to do it. The top three reasons given why business people still pay tax of 30% to 40% are:

  1. I don’t know how to minimise my tax to 5% or less
  2. I’m not sure I can afford the complex solutions that Google, Apple etc. are using
  3. I would like to support community causes (hospitals, schools, roads etc.)

These concerns are addressed very easily.

  • Discover HOW: Legally minimising tax can be as simple as starting a new company, opening a new trust or another business structure. To do this, you will need to speak to an independent financial consultant, or a “pure” accountant (that is, an accountant who works for *YOU*, and does not work for the IRS, the ATO or similar organisation).

 [**NOTE**: the IRS and the ATO are *NOT* government departments; they are private organisations; just as the US Fed and the Australian Reserve Bank are non-government. The IRS and the ATO licence most accountants as tax collectors and the average accountant cannot give you “pure” tax-exempt solutions. Seek independent financial advice, if you can find it.]

  • Invest the money: Creating a new business structure will generally cost far less than you think. Most people find that the investment pays for itself within a few months.
  • Support your own causes: Check the government budget website to see where they spend your money. Chances are, the government spends more money on politicians’ salaries, political expenses, military defence (invading or bombing other countries) and paying off debt to the IMF or the Reserve Bank. Recent statistics show that only 2% to 10% of government spending goes on social causes, such as welfare, pensions, schools, roads, hospitals etc. If you would like to contribute to social causes, then legally skip government tax and pay your chosen money to whatever cause you are most passionate about: cut out the middle man!

[Prior to 1913, income tax did not exist in the USA or Australia. Despite 0% income tax, both countries had schools, colleges, railways, roads, hospitals, defence forces and homeless shelters. These things existed without income tax before 1913, and they can exist without it now. Bill & Melinda Gates give generously to charitable causes, as do the Obamas, Angelina Jolie, Oprah Winfrey, Richard Branson, Sting, Tom Jones, Will Smith, Elton John, Jerry Seinfeld, Bono, Brad Pitt, Annie Lennox, George Lucas, and many owners of the tax-exempt businesses listed above. You can do your bit by doing what the benevolent billionaires do: avoiding government tax and giving directly to your chosen cause.] 


Inspired by: Opt Out of Basically Everything 

Reworked & Revamped by 24HourWealthCoach

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How I got sued twice and got smart once

Are you building an empire, or do you have a house of cards?

( or “How I got sued twice and got smart once”)


How to make sure your empire endures, by using smart paper 

Some people put their heart and soul into building a business, some people invest their money into real estate, some people like building wealth through stocks. How you build your empire is up to you; the main thing to ask is “How do I protect it?”

Don’t ask this question once you’ve “arrived” and are worth six or ten figures; ask it right from the start. Plan your defence right from day one. It’s difficult to add three extra storeys to a small house, turn it into an apartment block and *then* go back and strengthen the foundations… (Leaning Tower of Piza, anyone?)
Like it or loathe it, we live in a society which can be jealous, litigious or even criminal. Think of all the stories you’ve heard of people who slipped on the floor and sued McDonalds… think of the stories you’ve heard about an intruder breaking into someone’s house, hurting themselves and then suing the homeowner.
If you own something of value, sooner or later, someone is going to try to take it from you. I know this first-hand as I have been sued twice.
Both times the lawsuits were unsuccessful, (thank the goddess 🙂 or the legal system), but it makes you think.
old man cars

A picture of me when I am an old man. I’m smiling because I got to keep all of my toys 🙂 

If someone tried to break into your car twice, you’d probably ramp up security. If someone tried to break into your house even once, you’d probably get a better security system (or better locks). Many people carry protection against theft, muggings or sexual assault, even if it has never occurred to them in the past. They don’t want it, they don’t like it, so they do their best to protect themselves from it.

You may not own a million-dollar business or multi-million dollar stock portfolio, but there’s a strong chance you’ll have a house or something of value, which another person wants to take from you.
I’m not defending criminal acts on either side, but we are all human, we all make mistakes, the trick is to make the mistakes not so costly.
A surgeon’s slip could see him sued by a patient and lose his house. A cab (or Uber) driver could have a momentary lapse of concentration on the road and be sued by a passenger for the physical pain of a crash, or the psychological pain of even *thinking* that there may be a crash. Whether your humanness or mistake caused physical pain or just stress or trauma, there is a chance you’ll lose your house, car, or other assets.
Recent stats from Forbes magazine indicate that up to 53% of small business owners will be sued in any one year, and over 90% of people will be involved in a law suit in their lifetime. That’s arguably higher than your chances of being robbed or your house burning down. So, be prepared!


Step 1) Cover your ass(et) in paper: Get some insurance for whatever field you operate in, whether you be a high-profile plastic surgeon, retailer, realtor, consultant or just selling homemade jams at the weekend farmers markets.
Public liability insurance or professional indemnity insurance may seem expensive at first glance, (then again, so can vehicle or home insurance); just remember it’s protecting the underlying asset. Home or vehicle insurance may cost you 1-2% of the asset cost, but it does guarantee that you will get to keep 98% of the asset after a theft, fire, robbery or lawsuit.
Talk to your insurance broker or small business adviser about getting relevant insurance for your circumstances, and always remember to divide the cost of the insurance by the cost of the asset, to work out a viable ratio. 10% or less should be a sweet spot.
Step 2) Step away from your ass(et): many high-profile people will put “their” assets in the name of a lower-profile spouse, child, relative or corporate entity. This allows them to have the benefit of using the asset, without the responsibility of losing the asset, if things turn sour.
A software developer may have the house in his wife’s name, in case he fumbles some code and causes data loss to a client. A restaurateur may have her stocks in her kid’s names in case a customer gets food poisoning and sues.
Step 3) Cover all bases: insure the inside of the house, AND the outside. Insure the car for theft AND fire. If you do step 2), you still need to do step 1)
phantom comics 001.jpg

These are a few of my prize assets. They are insured for theft, fire,  flood, and in the name of another legal entity 🙂 

What happened when I got sued

In one of my past businesses (financial planning), a client tried to sue me because their recommended investment only made 30%. I thought that was a bloody good return on investment for a year! Yes, it’s true, some other investors made more than this, however, they were investing into far riskier things, which the older client had previously stated they did not wish to invest into.
It’s far easier to make judgments with the benefit of hindsight (wouldn’t we all liked to have invested into Microsoft in 1983? But most of us didn’t understand tech, or we didn’t trust small startups… so here we are, not tech billionaires…).
Thankfully, I had ticked all the right boxes, and had the right documentation to show that my client had elected to NOT invest into the riskier options. I also had the professional indemnity (PI) insurance backing me up, so the PI insurance could pay for the legal fees whilst the lawyers played a game of paper chase and dueling letterheads. My assets were in the names of other legal entities and not my own.
Sometimes, frivolous or even criminal lawsuits can win against good people; if the good person does not have their paperwork in order. This is why you hear the stories of people being sued after they had an intruder break into their home: it can happen.


Protect your assets and cover your ass:

1) get appropriate insurances for your situation, and
2) have another legal entity who can be trusted to hold the assets in their name, whilst still allowing you to use them. This may be a wife or husband; but, beware that this person could also be potentially sued.
A more “bullet-proof” option is to have the assets held by a separate paper legal entity, such as a company, trust, PBS or similar, which is extremely unlikely to be sued (because they are not human, and they do not make human errors or mistakes).
When looking at the price of these legal entities, again, divide the cost of the structure or setup by the size of the asset you are protecting, to get an indication of true value. 10% or less is still a sound investment, and sometimes it can be as low as 1% or 0.5% to guarantee you keep the asset.
A side benefit of protecting your assets is that the entity holding your asset (whether it be partner, relative, or paper legal entity), may be treated differently for taxation. For example, the lower-profile partner may be on lower tax-bracket, so if the asset produces an income (rent, lease, royalties, capital gains etc), then these proceeds will be taxed more lightly than if they were (at risk) and in your own name.
Yes, it’s possible to make your empire almost “bullet-proof”, “lawsuit-proof” and even “tax-proof”, you just have to follow the 3-step formula.
Stay wealthy, and enjoy the peace of mind you get from protecting your ass (ets) 🙂
More information or confidential consultation at 
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The year your family went bankrupt, changed their name and moved to another country

1973: The year your family went bankrupt, changed their name and moved to another country

The year was 1973: It was the the year that the US ceased its decade-long offensive in Vietnam. The year of the final moon landing. The US dollar devalued by 10% in a single day. The Watergate Scandal was top news. OPEC doubled the price of crude oil, leading to a large fuel crisis. Queen Elizabeth II of England visited Australia’s capital city on a special mission of great importance, and signed a new secret Act into force inside Parliament House (more on that later).

It was the year when your family went bankrupt, changed their name and moved to another country; the exact thing which many would do if they owed and could not pay.

We don’t blame them. We don’t judge them. We just want them to tell the truth about what occurred in 1973, and tell you the truth about how it affects you now.

1973 was also the year your money died.

banknotes v001.jpg

Up until 1966, Australia used pounds (L), shillings (S) and pence (D). Each pound note was inscribed with the words, “Legal Tender, guaranteed by The Crown and the Commonwealth of Australia”.

On February 14th 1966, amidst huge ceremony, the (LSD) pound, shillings and pence were discontinued, and replaced by the Australian dollar and cents. There were ads placed on TV, radio and in newspapers for weeks beforehand announcing the change. People aged 60+ may even remember the musical jingle from TV.

Each new dollar note bore an inscription saying that the note was “Legal Tender throughout the Commonwealth of Australia and the Territories of the Commonwealth”. The notes were all denominated and titled under the heading “Commonwealth of Australia”. Hooray for us!

A few years later, in 1973, with ZERO ceremony, and zero announcements, no TV commercials, the dollar notes were changed again. This time, the notes bore a new inscription, saying that the note was “Legal Tender throughout Australia and its Territories”.

So, what happened to “the Commonwealth”?

First, look up the word “Commonwealth”. It does not mean the Queen, or England. The Commonwealth is the “common” people (you and me) and their “wealth” (gold, silver, real estate, basic property, and the work of your hands, or your labour).

The original (British) pound notes used in Australia prior to 1901 were backed by physical gold, and guaranteed by the reigning monarch of England.

Since 1901, the Australian pound notes were no longer backed by gold, but said to be guaranteed by the Crown, an entity (not a person) who was assumed to be able to exchange the notes for gold, if required.

Australian banknotes from 1901 to 1973 included a guarantee from “the Commonwealth”, which assured the receiver of the note that if they could not exchange the note for gold, then they could be assured that the slave workers of Australia would provide some form of value through giving up their work or property to honour the paper debt.

In 1973, the “common” people and their “wealth” were removed from all Australian currency.

This means that a) the common people are no longer liable for the debts incurred by the government, and b) the common people are no longer able to benefit from the wealth created by the government.

Effectively, you’re on your own.

The government will NOT look after you, they are NOT here to help you and you cannot trust them.

If you think that the government will look after you, please examine closely what governments did to Australian Aboriginals and Native Americans…

OK, so millions of executions and mass theft of land were heinous crimes, and thanks to the overt nature of these offences, we can all look upon them and see that they were “wrong” and should never happen again.

We the people learned lessons, that we should not allow government to slaughter people and steal their possessions. However, the government also learned lessons: if you make your crimes and thefts obvious, people will rise up and overthrow the ruling class. So it is best to keep your crimes hidden, and keep your theft invisible.

The Senate and the House of Representatives of Australia commenced under their own power in 1973. They were not legally voted in and have no constitutional power. (Like a fake cop with a plastic badge and a plastic gun, the only power they have is the power you give them, when you bow down and assume they have authority.)

Their first act was to remove the word “Commonwealth” from the Australian currency. Again, this was unannounced to the public, and millions of people carrying the money in their pockets may not have even noticed.

They then proceeded to remove the word “Commonwealth” from the Corporate Australian system of government and from numerous Statute Laws.

They removed the word “Commonwealth” from the Currency Act (1965-1969), and the Banking Act (1959-1967), and Banking Act Amendments, Acts #116 and #193.

Not content to screw with the money in your pocket, they even messed with the laws regulating how the money was made and lent, and to whom it was repayable.

Even the Act that was formed to help people to understand the other Australian Acts (the “Acts Interpretation Act” (1901-1966)) was changed in 1973.

Prior to 1973, the Act read, “Be it enacted by the King’s Most Excellent Majesty, the Senate and the House of Representatives of the Commonwealth of Australia…”

The canny criminals altered this for the new act to read, “Be it enacted by the Queen, the Senate and the House of Representatives of Australia…”

As you can see, they removed the word “Commonwealth” again, meaning that theirs is a separate and different entity. They also removed the “Most Excellent Majesty” clause, separating a natural-born person of the royal family, and a royal position. To understand why this is important, try to personally sue Elizabeth Saxe-Coburg-Gotha, the Queen of England (a naturally-born person), as opposed to sueing the “Crown” (a separate legal entity).

Understandably, Mrs Saxe-Coburg-Gotha living in Buckingham Palace would not wish to be personally liable for any wrongdoings of her Church of England, her British empire, its employees, agents, subsidiary countries, nor for any debts incurred in her name. It is far easier and more sensible to have a separate entity, in the same way as a builder or a doctor will operate their business under a company, so if somebody dies, or a house falls down, lawyers will sue the company, and not seize the assets of the individual person.

Speaking of companies and corporate entities, it may interest you to know that there was a corporation known as “The Commonwealth of Australia”. It was registered with the Securities Exchange Commission (SEC) in Washington DC in 1934, just after the Great Depression.

“The Commonwealth of Australia” was registered as a “sovereign nation” (which is legally NOT the same as a sovereign country).

It seems that the original country/government/commonwealth/organisation known as “Australia” may have declared itself bankrupt sometime during the period from 1929 to 1934, during the Great Depression. There were no “GFC-like” corporate bailouts back then, and you would either have to go bankrupt or borrow heavily from another nation, thus making yourself subservient to them.

Just as a billionaire would close down a troubled company and start a new one, the ruling class of Australia registered a new company with a similar name in 1934, to continue operations whilst not having to settle its old debts.

Interestingly, it seems that the new “Commonwealth of Australia”, registered in Washington DC in 1934 may have been set up by the creditors of the old Australia…

That is, the new company/nation was registered by the people to whom the old “Australia” owed money to: the United Nations (UN), the International Monetary Fund (IMF), the “Crown” (corporate England) and several international banksters (Rothschild central banks).

It would appear that an arrangement was made by those lending the money, to allow Australia to operate under a new name, so long as it agreed to pay back a few pennies in the dollar, rather than writing off the entire debt, running away and changing its name to Austrabekistan…

The corporation known as the “Commonwealth of Australia” then existed from 1934 to 1973, when the new pirates came in and registered a new corporate identity, simply known as “Australia”.

The entity known as “Australia” was also registered in 1973 at the SEC in Washington DC, alongside a secondary level of debt reconstruction and reorganization (not a bankruptcy, more like a Chapter 11, or a Scheme of Arrangement).

After the fictitious entity known as “Australia” was registered in Washington DC, they also registered new entities, including the “Parliament of Australia”, and the “Queen of Australia”. Like the building company, these organisations are also corporate structures made of paper, not real people who can be sued, imprisoned nor held accountable for their actions.

Government publications in 1971 were called “The Acts of the Parliament of the Commonwealth of Australia”. Government publications in 1972 were called “The Acts of the Parliament of the Commonwealth of Australia”. Lo and behold, in 1973, government publications were called “The Acts of the Parliament of the Australian Parliament” (with the word “Commonwealth” removed).

You can see the PDF with the three years here:

1973 — the year that Australia was sold to the USA, the banksters and the IMF.

Sceptics are now tut-tutting and looking for tinfoil hats. More open-minded people will click on the next link and see the SEC filing on the US government website.

There are hundreds of pages of documents and filings on a US government website: all notarised and all verifiable.

It is clear that the nation known as Australia is a registered corporate identity in the USA. Does the USA have a reciprocal registration with ASIC in Australia? No. Because the USA is not owned by, nor indebted to, nor does it owe anything to, Australia. Think about that.

If sceptics care to check the SEC filings to see if the USA registers its other trading partners, or those with whom it does business, you will find that the biggest trading partners of the USA are not listed at the SEC nor are other countries registered in Washington… because these other countries are not owned by, nor indebted to, the USA. Think about that for a minute.

If you believe that Australia is a registered corporate entity in Washington DC (and according to the US government website it is), you may see why your freedom is being eroded, or why Australia tends to blindly follow the USA.

You may open your eyes to see that Australia has to file reports to the US government every year (it does, and you can see them on the above SEC website).

Even the famous Australian Coat of Arms is a business trademark, and registered as a business trademark in the USA.

Australia files annual reports to the SEC in the USA (just as any business would report its earnings to a tax office, or to a creditor, or to someone to whom it owes money).

This may help you to understand why Australia follows the USA into every war, including the invasion in Iraq, which was illegal, and based on falsified data about fictitious weapons of mass destruction (WMD’s), which did not exist and were never found.

The country of Australia is a large landmass located in South-East Asia. It was founded by the British, uses British law, and a British monarch as its head. Its largest trading partners are Asians in China and Indonesia, yet Australia holds so much affiliation with the USA, and so much (baseless) loyalty to the USA, so much interest in the politics of the USA, that one could almost consider the land of Australia to be the fifty-first state of the USA. Why is that?

Australia is a US corporation, and can be treated like a company, not like a Motherland. Its so-called government “administrates” and is essentially legally powerless, unless you acquiesce,  sign an agreement with them, or bow down to their false authority.

You can see a two-minute clip about how an ordinary bloke, who wanted to import an American car to Australia, ended up taking on the Australian government and challenging them to prove their authenticity and authority, right here:

The full one-hour version of his documentary can be found at

Not only is Australia a corporation registered in the USA, but the so-called “Australian government” is an administrator who has been appointed to administrate a bankrupt country. 

When you understand that the government has been defrauding you for many years, you may just change your mind about paying council rates, income tax, parking fines, failure to vote penalties and so on.

If a company whom you do not recognise sends you an invoice; an invoice which you did not agree to pay, do you have to pay it?

The majority of people pay the fines (*invoices*) without question, and so the illegal government can keep their money, keep their authority and maintain their power. (I’m pretty sure that Al Capone ran a similar racket in Chicago, called “pay me or I’ll bust you up”. Like Capone’s money-grab, it would seem that the seated Australian government also has no legal rights to your cash; they only get it if you hand it over without a fight and if you pay up without asking questions.)

If you have managed to read this far, or if you have clicked on a few of the above links, then you may have some questions.

Feel free to post questions here or via PM.


Other links & info (hit Control-F, “1973” and enter)
The banking ombudsman is really a series of interloping inter meddling interfering impostors (agents) & registered business (NOT government) corporations;


Voting for which government: legal or illegal?
Your real name versus your corporate all-caps name

How does all of this affect YOU?
Do you have to vote, pay fines, or pay taxes?
want to know more?

Contact us for a confidential and mind-opening chat 


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