XCELLENCE WEALTH CREATOR
February 1, 2010
Authored by: Pierre Pienaar

How To Create a Wealth
Plan In All Situations
HOW DO YOU MAKE MONEY?
Dear Reader,
Thanks or reading this Report. Enjoy and profit. This Report is part of a series to build your
Wealth Plan that will include Business and Personal Wealth.
Whilst writing this Report, I was busy smelling some sweet Orange Blossoms. It actually
balanced out my “off-day” with my muscle pains. I always believe that the good will
outbalance the bad.
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However, it is reminder that when you build your Wealth, there will be set-backs, and I'm
sure there were some huge set-backs by many readers in 2008/2009. That is why always
believe that when planning your wealth, you should always build in risks, and what you also
familiar with “Worst-case scenarios. People get wiped out financially by nature (Fire,
tsunamis, hurricanes, and crops experience by the overflowing of 2 of our Northern and
Southern border rivers etc), health (It happened to me starting in 1982), Stock market
crashes, which include our current Financial crisis.
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As Business owner, Wealth Manager, Trader, Employee, you name it you must be prepared
for all scenarios for yourself, your family and your clients (Wealth managers and Traders).
Building wealth is definitely a marathon, not a sprint. Granted, many investors make
profound amounts of money in a short period of time. But, the process of building wealth,
not just making money, is one that requires careful planning with purpose.
Your Personal Wealth Plan should start with:
You must know what your needs are where it’s coming from, you can start, on
your computer (There are various programs that can help you, some are free.)
In short again your Wealth Plan should contain:
1. Your short-time and long-term objectives, and you can work on an Annual
basis for your long-term objectives
2. Your Wealth mindset – This is, by far, the most important aspect of building
wealth. By the time we become adults, most of us lack that mindset, simply
because we have been told throughout our childhoods that money doesn't grow
on trees, that we must finish our vegetables because of the starving children in
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China (because there isn't enough to go around), and that it takes hard work to
get anywhere in life. These are commonly referred to as "limiting beliefs." The
rest of the journey deals specifically with how to adjust your thinking so your
focus is on abundance for all, not scarcity and competition.
3. Wealth Knowledge – You will need certain skills in order to make money and
keep it, if you don't already have them. Foundational issues such as basic
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bookkeeping and understanding certain financial statements are critical to anyone
who is serious about creating wealth. You will need general and specific
knowledge about the business, industry, and/or investments you are involved
with. In order to keep your money once you start amassing wealth, you will need
to learn how to use entity structuring and other legal protections, as well as
specific tax strategies to make the most of tax laws.
4. Your Wealth Building Team – You will need to form a team of experts to help
you build your business and your wealth. Nobody becomes wealthy all by
themselves. This team will include accountants, lawyers, financial experts,
assistants, marketing experts, etc. And, depending on the types of investments
or businesses you engage in, it may include real estate experts, Web developers
and marketing consultants, business development experts, and so on. Wherever
you have a gap in expertise or time, you will need to fill it with an outside expert.
And you will not want to scrimp on cost for these people—hire the best, they will
more than earn their way.
5. Certain income you know can project will be available each year, like
government bonds.
6. If you have back-log or deficiency in your income, how to catch up in that
year and to see how you can reach the specific goal.
7. Start Investing or Trading in Various Investment Instruments as mention
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above.
8. It is so important that you make the necessary sacrifices to enable you to
contribute the necessary capital to achieve your goals. You must be committed;
otherwise your Wealth Plan will fail.
9. Lastly, your Wealth Plan must include organisation and professionals who can
assist you in both understanding and benefiting from the Present Economic
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situation. My recommendation is where viable, to invest locally, and then you
can start looking internationally for excellent Investment Opportunities.
You must learn to look beyond the moment and to take action to achieve
your goals.
Here is an opportunity not to be missed, and make it part of your Wealth Plan. It was
sourced from Wealth Daily and then some added info to help you with your sourcing.
Oil
Companies
Energy
Sector
How do you
make
money?
By knowing this: It's not about being a bear or bull in this market. It's about being where
the profit opportunities are — whether long or short.
Here are some ideas to chew on: 24 Straight Energy Winners [Type the document title] | 2/1/2010
We just closed #24 with a 114% gain...
... And we've just released #25.
Our new report details the entire situation... and how this new play could be the next triple
bagger our readers are getting accustomed to.
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Just follow this link.
--------------
In case you the week's top-read articles from Wealth Daily and our sister publications, you
can catch up on them now:
"China's Pantry": The Asian Nation Soon to be Beijing's Top Growth Partner
Wealth Daily reports as our insiders feed us the 24 resources deals that will make this tiny
nation on China's northwest border the world's last mega-boom profit opportunity.
2010 Commercial Real Estate Forecast: No Spin Zone - CRE Plunge is Inevitable
Wealth Daily Editor Steve Christ takes a look at the commercial real estate forecast and
explains why the sector will sink into 2012.
China's Huge Oil Demand: The Middle Kingdom Secures Future Energy Needs while
U.S. Sits on the Sidelines
Editor Christian DeHaemer describes China's buying up of global oil assets while Obama
watches from the sidelines, and reveals what the Middle Kingdom will buy next...
Spain's Solar Power Market Meets Morocco: Europe Looks South for Clean Energy
Growth
International Editor Sam Hopkins highlights Morocco's role in reinvigorating the Spanish
solar power market and generating more local energy for North Africa.
Buy Gold at Just 2% of Today's Spot Price: You Heard it Here First
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It's all thanks to one of North America's greatest gold secrets: the Boise Basin. Wealth
Daily reports on the company whose $27 million in assets now exceed $727 million.
The Next "Peak" Trade: China Has the Next Move
Wealth Daily's Ian Cooper tells readers about China's plans to stop exporting these
elements to the rest of the world by 2012... and how this move could cripple the rest of the
world via the coming collapse of available rare earth metals.
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We Made a Bakken Boo Boo: And We're the First to Admit It...
After 28 straight months of research, interviews, site visits, number crunching — and
answering to critics — Wealth Daily analysts have swallowed the jagged pill that is our
mistake regarding the Bakken oil formation: We missed the mark. But our error could mean
your benefit... and money in your pocket.
How to Profit from Energy Efficiency: The NYSE Itself is Bullish on this Tech
Energy & Capital Editor Nick Hodge discusses the business of energy efficiency and how
investors can profit as global not defined.
Profit from the Peak: The End of Oil and the Greatest Investment Event of the 21st
Century.
4 Reasons This Little Known Company
Could Make History in the Bakken
Fact #1: An Oil & Gas Industry Veteran the World Over
In addition to having its sizable stake in the North Dakota's oil reserves, this company owns
working interest in over 350,000 acres of oil reserves in various parts of the Midwest and
Rockies -- properties which have given them extensive experience in both natural gas
production and shale drilling.
That's right- in addition to already having the know-how to produce the trapped treasures of
the Bakken's shale oil; this one company also has the experience to tap its immense natural
gas reserves too... [Type the document title] | 2/1/2010
...all 1.85 trillion cubic feet of it.
That's more natural gas deposits than that of Japan, Turkey, France, and Spain combined.
And that's not even counting the 148 million barrels of natural gas liquid the United States
Geological Survey expects to find.
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With worldwide climate change legislation already shoving clean burning fossil fuels to the
investment forefront, as well as the rising costs of heating oil and the abundance of natural
gas pipelines in major U.S. cities too...
...We can expect 2010 to push natural gas consumption to record levels.
And you can rest assured that as worldwide oil production declines, we'll soon see gas
moving up on the profit scale.
Fact #2: This Company is Now Trading at a Significant Discount
In fact this company is currently trading for just a few bucks a share.
I don't have to tell you that small savvy companies like this one have a much greater
potential to bring you double or triple digit gains than mega corporations like BP or Shell.
Of course, we're no strangers to the Bakken. We closed one with 113% gains... another
made 103% gains... another over 100%... along with seven other closed trades for gains
(and that's not even counting our current winning open positions).
And while stockbrokers continue pushing Big Oil stocks like Exxon and Chevron, smart
investors like us are focusing on the promising small cap plays here in the Bakken.
Think about it -- even a $1 gain on a $4 stock is an easy 25% gain, whereas the same
increase on a $75 stock is a paltry 1.4% gain.
So it probably won't surprise you to know that the Bakken Company we're
recommending has surged 45% in just a few weeks!
Imagine, a $5,000 investment would have netted an easy $2,250 profit. A $10,000
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investment would have bagged $4,500 in profit-- and that's in just three weeks!
Fact #3: No Long-Term Debt
It's an unfortunate reality that companies around the world are filing for bankruptcy,
folding, or wallowing in piles of debt.
What's more, it's rare to see a small upstart company without any long-term debt.
But that's exactly what we uncovered with this company.
And that leads us to...
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Fact #4: Over 150 Years' Experience
The oil industry's well known for its booms and busts.
So if a company is to be anywhere close to successful, it's going to need industry leaders
and experts leading the way.
In this company, the management has an average 31 years experience.
Additionally, 70% hold a degree in petroleum engineering or a related field, while the rest
are experienced accountants and business experts.
So here's what we have:
A small-cap Bakken company with no long-term debt
A quality management team
Full operations on proven oil-producing land
The price of oil at a floor comfortably above where this company needs to be
profitable
Just follow this link.
Then come back and start exploring these companies:
* Profitable Oil Companies
1. Holly Corporation
(Public, NYSE:HOC) Holly Corporation is an independent petroleum refiner
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that produces light products, such as gasoline, diesel fuel and jet fuel. During
the year ended December 31, 2008, the Company owned and operated two
refineries consisting of a petroleum refinery in Artesia, New Mexico that is
operated in conjunction with crude oil distillation and vacuum distillation and
other facilities situated 65 miles away in Lovington, New Mexico (Navajo
Refinery), and a refinery in Woods Cross, Utah (Woods Cross Refinery). In
2008, the Company owned and operated Holly Asphalt Company, which
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manufactures and markets asphalt products from various terminals in
Arizona and New Mexico. In 2008, the Company also owned a 46% interest
in Holly Energy Partners, L.P. (HEP). On February 29, 2008, the Company
completed the selling of certain crude pipelines and tankage assets to HEP.
The Company operates in two business segments: refining and HEP.
See current Yearly Chart
2. CN O O C L T D. A DR 100/HD -,02
(Public, ETR:NC2A)
The Most Profitable Oil Company… Period
No other oil company is nearly as profitable as Hong Kong-based CNOOC Ltd (CEO: CNOOC
Limited is a producer of offshore crude oil and natural gas and an independent oil and gas
exploration and production company. It mainly engages in oil and natural gas exploration,
development, production and sales. It has four major production areas in offshore China,
which are Bohai Bay, Western South China Sea, Eastern South China Sea and East China
Sea. During the year ended December 31, 2008, it owned net proved reserves of 2.52
billion barrel of oil equivalent (BOE), including 1.58 BOE of crude oil and 5,623.3 billion
cubic feet (bcf) of natural gas. In 2008, it produced an average of 422,068 barrels of crude
oil and 621.1 million cubic feet (mmcf) of natural gas daily, with a total net oil and gas
production of 530,728 BOE per day. It is organized into three major business segments. It
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is involved in the upstream operating activities of the petroleum industry that comprise
independent operations, production sharing contracts with foreign partners and trading
business.
Oil production is increasing in the Middle Kingdom.
The Chinese oil major CNOOC jumped 10% on news that it was increasing production by
28% for 2010. Bloomberg reports: "The forecast says a great deal about the likely
trajectory of China's manufacturing and transportation industries for the balance of the
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year. But it is also a reasonable guide to oil demand, which so far analysts have expected
will be modest this year."
Oil companies don't increase production unless they believe that it will be met by an
increase in demand. CNOOC has 2.8 billion barrels of proven reserves and a market cap of
$7.1 billion. They obviously think that the moderate global growth picture — which the
future market equates to $75 oil — is wrong.
3. Pac if ic A sia Petroleum, Inc .
(Public, AMEX:PAP)
Paci fi c A si a Pet rol eum, I nc. (PA P) i s a devel opmen t -st age compan y formed t o
devel op n ew en ergy ven tu res, di rect l y an d t h rou gh joi n t vent u res, an d ot h er
part n ershi ps in whi ch i t may part ici pat e. Th rou gh I nn er Mon gol i a Su n ri se
Pet rol eu m JV Compan y (I MPCO S un ri se), t h e Compan y commen ced
operat i on al act i vi ti es in Chi n a. Th e Compan y’s operat i on s con sist of dril li n g
of oi l wel l s i n I nn er Mon gol i a, Ch in a, and expl orat i on an d devel opmen t
operat i on s. PA P h as fou r wh oll y own ed su bsi di ari es an d joi n t vent u res, whi ch
i n clu des In n er Mon gol i a Produ ct i on Compan y (H K) Li mi t ed (I MPCO H K),
I MPCO S u n rise, Paci fi c A si a Petrol eu m (H K) Li mit ed (PA P H K), an d Pacifi c
A si a Pet rol eu m, Li mit ed (PA PL).
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------------------------
4. FX E nergy, Inc .
(Public, NASDAQ:FXEN)
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FX Energy, Inc. is an independent gas and oil exploration and production company with
principal production, reserves, and exploration activities in Poland and United States. During
the year ended December 31, 2008, the Company held gas and oil exploration rights in
Poland in nine separately designated project areas encompassing approximately 5.4 million
gross acres. The Company owns 100% working interest in approximately 4.3 million gross
acres. The Company’s oil interests in the United States consist of shallow, oil producing
wells in the CutBank Oil Field of Montana. During 2008, the United States reserves were
estimated at 45,000 barrels of crude oil.
Risks and concerns
The fuel cost of all industries consists of almost 40% of the total expenses and any
downturn in company sales can affect the oil industry as well.
Recommendation
Looking to latest performance plus thongoing restructuring of the balance sheet, companies
should have a positive net worth ahead of any other industry.
Once your structure is in place, then invest away! Implement all the tools and techniques
you have learned through your education and watch that Wealth Building Machine go to
work for you!
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Financial Accounting Tip: When investing, it is important to focus on companies that have
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assets to remain in operation. Both positive working capital and current ratio greater than 1
is strong indicators of this. Working capital is current assets minus current liabilities.
Positive working capital the company has the necessary working capital to invest in their
operations and drive future revenue. The current ratio of current assets is divided by
current liabilities, shows that the company has adequate working capital to pay current
obligations and stay in business. The current ratio of 2.0 is a good rule of thumb for
adequate liquidity. This shows that the company has doubled the required working capital
for the repayment of any current liabilities. That’s why Warren Buffett is so successful.
Look at the quality of a company, before you invest. The Balance Sheet could make a
difference between a Profit and a Loss.
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Next week, I’ll concentrate on how to revamp and increase your income. You need
to have a healthy income to boost your personal income.
Start revamping and be profitable. Don’t hesitate to contact me if you have any questions,
suggestions.
Pierre Pienaar
Xcelwealth Specialised Stocks
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Pierre Pienaar
Box 30662, Windhoek, Namibia
Tel: +264 61 243704
Fax: +264 61 247037
Cell: +264 816064888
E-mail: pienaar@iway.na, xcelwealth@gmail.com
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* Xcellence Wealth Creation Group, please feel free to join here
* Xcelwealth Store - Your Place for Business & Investing Knowledge
* How to Think Rich, Enjoy, and Never Give up even in the Recession
* Check The Inside viewer
P.S. I sincerely doubt if they will ever get this particular Superstar Lineup of Forex Masterminds together in this
kind of event ever again.
Xcellence Wealth Creator is Winner of the “ICQ International Quality Crown Award in the Gold Category for
Management ”
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Thanks for reading up to hear, and just to say thanks, you
can send me your comments, and I’ll send you a free Gift,
namely: “The Art of Trading”
Disclaimer: This publication is designed to provide accurate and authoritative
information in regard to the subject matter covered. It is sold with the
understanding that the publisher is not engaged in rendering legal, accounting, or
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other professional services. If legal advice or other expert assistance is required,
the services of a competent professional person should be sought.
© 2010 Xcellence Wealth Creator. All rights reserved.
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