Wisdom of the Masses Q&A


There is wisdom in the masses if…

cranes

A mass of Sandhill Cranes from a National Geographic photo.

There is wisdom in the masses if you can apply it to your individual life.

Questions this week:

#1: About Ecuador Hotels.

#2: The importance of Spanish

#3:  Investing in Iraqi Dinars

#4: Emerging Bond Investments and Ecuador Relocation

#5:  Ecuador Scams

#6: Ecuador Real Estate Flipping

#7: Ecuador Bank Safety

#8: US Real Estate Safety

cranes

One Florida Sandhill Crane with juvenile.  The young cranes are called “colts”. 

Merri and I are back in Florida and the Sandhill Cranes live in the reeds of our and nearby lakes.

cranes

We love their loud trumpeting as they fly over the house early a.m.

The masses can be wise… or a stampeding herd thundering towards a cliff of oblivion.  We as individuals need to discern the importance and wisdom of a massive move.  Our responsibility is to decide whether the masses are on a “massive positive evolution” or “heading the wrong way”.

The repetition of a untruth does not make it truth!

So we spend our Saturdays sharing your (the readers) questions and comments. I hope that this dialogue is of personal value!

Reader Ecuador Comment. My wife and I are in Cotacochi today and checked in this morning to The Land of the Sun hotel you had mentioned. We must say we are completely impressed with the accommodations. After a week in Ayampe and points along the coast, this is by far the nicest. It has made our trip. (Before arriving here, my wife wanted to move our flight up and go home). My wife is pregnant and the staff here has been very gracious. The setting and the comfortable room has made us reserve 4 more nights here.

I appreciate your recommending it and wanted to say thanks for making my anniversary vacation one that will bring us back to Cotacochi. Muchas Gracias!!

Reader Spanish Question: Hi Gary and Merri-I am interested in attending the upcoming Spanish class but my time is so limited that I must use it wisely.  Obviously no one is going to learn a language in four days. I wonder if the technique is truly helpful. Do you have positive feedback from previous attendees?

My Reply: We have many raves from seminar delegates. One just wrote yesterday:  “The seminar was enjoyable and very informative.  We didn’t expect so much info to come are way i.e.  The theanine has been very helpful and we found our perfect baroque station on the internet. It was all I expected and more.”

We receive so many raves like this because of these three little known, but scientifically proven, ways to enhance the speed, accuracy and efficiency of the mind, memory, recall, retention and decision making process.

These are not gimmicks or tricks… just advanced enjoyable ways for the mind to create/process/utilize knowledge.

The first tactic is to use Baroque music in the learning process. At least three best selling books, “Superlearning”, the “Mozart Effect” and “Superlearning 2000” have revealed insights about how to learn and think more powerfully based on systems drawn from the Bulgarian educational master, Dr. Georgi Lozanov.  Merri, over 35 years ago, was among just a few who learned and was licensed directly.  She has practiced and worked with this system all these years.

Then she enhanced the learning of Spanish with the second tactic which is to make slight alterations in digestion.  This alone can make anyone a startling 25% smarter.These two tactics are given in seven, easy to use learning techniques that help gain any skill, from computers to athletics to conversational languages…  in much less time than traditional learning techniques… often two-to-five times faster, in exciting and innovative ways…but most of all it is a system that is stress free and full of fun.

The third tactic builds on the first two and uses 17 unique lessons to provide Spanish fluency in a short time.

Let me prove to you how this third tactic works by teaching you hundreds of Spanish words in less than 30 seconds.

Here is the proof.

“Most words in English that end in ION are almost identical, just pronounced differently (which we teach in the class). For example action is accion, education-educacion, manipulation- manipulacion, etc.”

There you have it.  How long did it take you to read the sentence? You now know hundreds of Spanish words that you will never forget.  We practice this and help to enliven the brain so that more and more correlations come forth from within to use in communication.

See examples of the words you know below.

How long would have taken you to memorize all those words?   How soon would you have forgotten them?

Thanks for your inquiry…and please see more about words like this at “Why you can Speak Spanish in Four Days here.”

Ecuador Relocation Question: Hi Gary,  We are Canadian citizens,  I see that the yields on bonds of the so-called “developing nations” (like  Brazil and the Dominican Republic) are at the 10% (give or take) range.

Which makes me think, “Can I not take my money there so it earns higher yields?”

Our situation (my wife, my dog and me) is as follows: mortgage-free owners of a house worth about CAD$300,000, total RRSP (tax-free retirement savings plans) worth about CAD$250,000 CAD, and no consumer debt (we pay off our credit card balance every month).  Our age bracket is the 35-40 group.

Is it realistic to expect that we could sell our house, take the CAD$300,000 and place it into higher-yielding bonds like those of Brazil and Dominican Republic (or any other suitable investments) and expect that the income from those investments could provide at least some of the money that we would need to cover our living expenses in whichever country we could choose to relocate to?  Or are we simply too young to even consider such a move and all we can do is “wait and see what happens and hope for the best”?  I feel like I’m the pig who sees the big bad wolf on the horizon racing towards us, but instead of building a brick house, I’d rather just “get out of Dodge” altogether.  Because in this case, I don’t even think the brick house is going to hold up intact against this big bad financial wolf headed our way.

Thank you for your time and consideration.

My Reply: I hold an overweighting of Brazilian bonds in my portfolio and they were paying over 12% when I invested.

As of July 2010  the Brazil’s Moody’s Rating Outlook was Positive and the Country Currency Debt rating Baa2.

For Baa1, Baa2, Baa3 ratings,  Moody judges obligations rated Baa to be “moderate credit risk”.  They are considered medium-grade and as such “protective elements may be lacking or may be characteristically unreliable”.

I do not hold DR bonds which are of a much lower grade. Last April 2010 Moody’s raised the Dominican Republic’s government bond rating to B1.

There is a stable outlook, but this is still four levels below investment grade.

For B1, B2, B3  Moody judges obligations rated B as speculative and “subject to high credit risk”, and have “generally poor credit quality”.  

My newest report “Running Risk – How to Invest in Risky Times” shows that when risk is greater… as it is now, investing in riskier assets makes sense. Learn more about this report here.

One key part of risk management is diversification.  So I have invested in Brazil, but certainly would not trust all my savings to Brazil and especially not the Dominican Republic.

Right now my feeling that the masses are crazy.

A

n October 25 2010 New York Times article entitled “In Bond Frenzy, Investors Bet on Inflation” by Christine Hauser says:

At a time when savers complain that they are earning almost no interest from their bank accounts, some investors on Monday bought United States government bonds that effectively had a negative rate of return.

My Reply: If  you want to avoid real estate scams I regret you’ll have to find a place where there are not people… or at least a place where people have overcome greed.  I have been living, traveling and working globally for 43 years now and have not found that yet… so try to do the best thing possible and shed light on the entire market so scammers cannot use ignorance of the market as their tool. Until then always beware! You can gain the assistance of full time full support research and assistance team by subscribing to our paid premium Ecuador Living service.

Bizarre as it sounds, that is correct. In an auction of a special kind of five-year Treasury bond, investors paid $105.50 for every $100 of bonds the government sold — agreeing to pay the government for the privilege of lending it money.

The reason is that these types of bonds offer a guaranteed protection against inflation. So, if inflation soars — as some economists worry might happen, with the government seeking to give the economy a boost by flooding it with money — the value of the bonds would go up accordingly.

The investors who took part in the $10 billion auction are betting that inflation, now at about 1 percent annually, will rise to a level that more than compensates for the premium they paid.

The unusual auction on Monday “reflects a condition in the Treasury market that has been in place for months, chiefly that yields on shorter maturities have moved below the inflation rate,” Anthony Crescenzi, a senior vice president at the bond giant Pimco, wrote in a research note.

Along with diversification is risk premium acquisition.  In other words…”GET PAID TO TAKE RISK”.

To buy US dollar bonds and pay a premium (we look for discounts… not premiums) in my humble opinion is not wise.

Finally,  at age 35 to 40, I would invest more in myself and my own micro business!

Reader Comment: Concerning comments about banking in Ecuador. At this point I would not transfer my life savings to an Ecuadorian bank. However, for convenience I have established an account in a small bank in San Jacinto a town of 3,000 next to San Clemente where we own a home on the beach. I met the bank officers and two of the members of the board of directors. When does that happen when you open an account in the US?This was done for the purpose of transferring funds to be used in Ecuador and not having to carry large sums of money on the flight. My account is at Cooperativa de Ahorra Y Credito (COACMES). This is the Ecuadorian equivalent of a local depositor owned savings and loan in the USA.

It is proving very handy. I can go to the bank (20 minute walk) (5 minute taximoto ride 50 cents) and withdraw funds as needed. They also offered me free checking services with the account. The interest rate is great, between 6 and 10 percent depending on amount and term.

I know others who have had in this bank large sums of money for long periods of time with no problems.

My Reply: This reader is correct. I agree and have written numerous times that “small amounts” for convenience makes sense.

But keep in mind that had “large amounts in Ecuador banks for long periods of time with no problems” until without notice all banks in Ecuador were shut down. I had $30,000 frozen for over a year and eventually received back only $19,000.

Banks can never be of higher quality than the investment rating of their country and Ecuador is not investment grade risk. You have been warned.  Be careful. Why take this risk when there are other much safer centers to hold the bulk of your savings?  Plus most Ecuador banks will only provide US dollar accounts and this is another risk.  I do not recommend holding very much of your savings in dollars or Ecuador banks.

Reader Comments: What about real estate scams in Ecuador?

This complete service includes our staff being able to provide personal responses to your questions.

Plus we help subscribers gain hotel discounts in the most visited parts of Ecuador.



Cuenca-real-estate-for-sale


Ecuador real estate still offers great value like this Cuenca house offered at $72,000.


Reader #2: Comment: Interesting how most of the Ecuadorian properties being marketed to the USA public using the internet as the venue are at least double the asking price from a couple of years ago. I wonder if most of the sellers are the “usual” real estate speculators.  Grab low – Sell High.

My reply to reader #2: Thanks for writing this as I have been wanting to get on my soap box and preach about flipping.  Your note provides my opening. Many of the properties are owned by people who have held them for a long time.

I started recommending buying in 2000 and many readers who did are selling for ten times what they paid.  As I have written often I am selling many of the properties I bought back then and selling now and buying back in Florida.

Ecuador prices have really been rising in recent times.

Construction costs have risen.  Cement, wood etc. are international commodities and labor is rising as the expats flood in.

There are some expats who try to come down and flip. This is not as easy as it seems and we find that most properties sell for much less than the offer price.  I am hoping that people will learn the risks of flipping.   I predict that those who try this in Ecuador will get their fingers burned.

Ecuador real estate still offers some great value but you have to get to Ecuador… learn how to market and wait with cash for bargains. The way to make a profit without getting ruined by popping bubbles is to spot distortions that create unusual value. Buy troubled properties and fix them. Throw in a dash of imagination and garnish with good taste. Plus be willing to wait five to ten years.

There is no easy way to always get rich.

photo

I like real estate with lots of water as a good investment when it can be purchased at a good value.

Reader’s Question: Gary, here is the deal.  I need your input.  Iraq dinars .  You can purchase about a million dinar for about $1000.  Next, when something? happens with the govt. of Iraq they WILL revalue!!!!  On an unbelievable mutiple.  This is going to happen very soon.  Better get on board now!  Do not miss the boat!.  I have never dealt in a currency play.   The hard currency is actually mailed to you.

My reply: This is a very risky bet. I have seen this story floating around for several years now… and it flies in the face of history so I have not taken it up.

Fundamentally the idea is not strong.  What makes a currency strong is… a country united in political.. work… religious… legal, etc. work ethic and its competitiveness and productivity versus other nations with a balanced budget and reasonable government debt.

I am no expert on Iraq but do not see these qualities there.  Maybe they’ll get their act together… but how can a nation that stills makes its women wear burkas compete with modern society that lets women like our wives excel in the work force?

This is a huge dilemma that all Muslim nations face. How can you get the women into the work force?  Even if there was a huge change in religious and social philosophy this could take at least one or two generations.

Iraq has oil but also needs to import billions maybe trillions to rebuild… and I have yet to see a new currency issued that is upvalued. They are always devalued.  Will the people who rebuild the infrastructure accept an inflated currency as payment for their work?  I doubt it. I suspect the big construction firms will want a currency that is realistic.

Plus with all the new oil being discovered (and or now capable of being recovered) in the US… oil prices may go down.

If having a lot of oil alone made a currency go up, the Russian Rouble would rise verses the dollar.  This chart shows that instead since 1999 it has fallen from about 50 cents to 32 cents and is headed down.

Here is a currency play I am doing that has done very well recently.  I am not recommending that you follow the below outline and must add caution because these plays are always changing and in these times of risk need to be carefully monitored.  If you want to know what I am doing or changing or rearranging, just keep reading this free daily email letter.

I borrowed $300,000 and invested
$100K each in Mexican peso gvt. bonds (BBB) 10% Due 2024 selling at 117 yielding about 8%

$100,000 European Investment Bank Australian dollar bonds (AAA) 6.0% 2013 101.49  yielding 5.56%

$100,000 European Investment Bank  New Zealand dollar bonds (AAA) 6.5% 2014 104.77  yielding 5.38%

•Average yield 6.31% or $18,930 a year income.

•Loan cost      $   9,000

•Return           $   9,930

•Plus Forex Potential and all three currencies has risen versus the dollar.

Maybe you’ll make a lot on the Irqui dinar but maybe you’ll make a lot on the lottery. Odds are… you’ll lose.

photo

One of our North Carolina cabins. I have a heavy weighting in real assets compared to currencies.

Reader Comments: The banking industry is sitting on $2 trillion of bad mortgages.Just last week Pimco and the Fed asked B of A to buy back some faulty mortgage investments formed by Countrywide.This is just the beginning.

Real estate has more downside and could be much more.

Second, baby boomers are downsizing. This puts pressure on the larger property market where there are many more sellers than buyers. As these prices continue to fall they will take smaller properties(which have somewhat stabilized in some markets) with them.

The only thing that will prevent a further significant drop in prices is a massive federal program that will allow homeowners to refinance at low or no cost at current mortgage rates and also allow them to walk away from some of their debt.

It is extremely difficult and expensive (especially in states like Florida) for homeowners to refinance today. The Feds need to make this process much easier (especially for those homeowners that are currently underwater but continuing to make their mortgage payments.

That’s my 2 cents.

My Comments: All these reasons for the real estate market continuing to fall make sense except  for three factors.  First, history disagrees.  Since the industrial revolution began… the world’s standard of living has improved.  Second, the population is growing and each person expects more.

Third, real estate is paying a great risk premium!  When the economy is in the doldrums it is hard to see how the economy can improve.  Yet is always has.

In this situation, the current tide is almost always wrong. When times are bleakest is the best time to invest because everyone else is selling.

Consider the alternative… land purchased at .5o cents n the US dollar or government bonds sold at $1.05 for a dollar bond!  Plus you can put your energy into a real estate deal… buy… fix… landscape… rent… use, etc.

Recently a reader passed a note entitled “How a stimulus package works” I rarely pass such emails on but this one is interesting. It said:

It is a slow day in the small Saskatchewan town of Pumphandle, and streets are deserted. Times are tough, everybody is in debt, and everybody is living on credit.

A tourist visiting the area drives through town, stops at the motel and lays a $100 bill on the desk saying he wants to inspect the rooms upstairs to pick one for the night.

As soon as he walks upstairs, the motel owner grabs the bill and runs next door to pay his debt to the butcher.

The butcher takes the $100 and runs down the street to retire his debt to the pig farmer.

The pig farmer takes the $100 and heads off to pay his bill to his supplier, the Co-op.

The guy at the Co-op takes the $100 and runs to pay his debt to the local prostitute, who has also been facing hard times and has had to offer her services on credit.

The hooker rushes to the hotel and pays off her room bill with the hotel owner.

The hotel proprietor then places the $100 back on the counter so the traveler will not suspect anything.

At that moment the traveler comes down the stairs, states that the rooms are not satisfactory, picks up the $100 bill and leaves.

No one produced anything. No one earned anything… However, the whole town is now out of debt and now looks to the future with a lot more optimism.

And that, ladies and gentlemen, is how a Stimulus package works.

This is an interesting story and has a point but I’d like to point out that the hotel proprietor got screwed! He accepted the $100 from the prostitute… forgave the debt and then lost the $100.

So when the government gets too involved in the economy… always ask the question… who is going to get screwed?  The US dollar bond holder? The share investor. The commodity owner? The land owner?

My guess (and where I am betting more of my money) is that inflation is ahead and during inflation commodities and real estate win.

Keep in mind diversification… but once again look for risk premium.  The risk premium on real estate may be at an all time high!

Gary

See our catalog of service here.

Belong to the International Club

Enjoy Time in the Good New Days

Many people yearn for a return to the good old days.  This is a mistake.  Those days are gone and will never return.  Honestly they really were not that good.  We would be sorry if they were here now.  The future is better and for a special few the days, months and years ahead will be much better than the past.   We plan to be among them and invite you to join us in an easier, freer, richer, safer world.

Soon you will be reading… again, about how instability in the US dollar threatens our lifestyles.  The dollar, once the world’s reserve currency is burdened with debt and deficits that threaten economic and social order almost everywhere.  This is nothing new.  In fact, deterioration in the greenback is one reason for a seven decade downward spiral in your and my freedom.  When we work hard and save carefully, but get less and less in return, we become boxed in.  It’s a never ending rat race.  This is a trap, a downwards spiral where the more dollars we get the less we can buy.

Learn how to have more freedom and time, less stress, better health care, extra income, greater safety and profit in your savings despite America’s deficits, debt and currency risk.

downwards spiral

A downward spiral of the US dollar began the downward spiral of our freedom.

Fortunately there are secrets that will allow a few to live much better, free of debt and worry despite the decline in the dollar’s purchasing power.   My wife Merri and I have traveled, lived, worked and invested around the world for nearly 50 years to gain this information.  Let me share the basics of this data and how it can help you.

The first fact behind this secret is that things are really good in the western world.  Despite the many problems, we are surrounded by more abundance and greater opportunity than almost anyone has ever enjoyed, anywhere, ever.   To enjoy a fair share of this wealth, all we have to do is understand human nature and learn how to invest in the new economy, as it changes and becomes new, again and again.  Merri and I have made seven huge transitions in the 50 years.  Each has allowed us to always stay ahead of losses that the majority of Americans suffer.  We are in another transition right now and want to share why and what to do so you can stay ahead and live a richer, independent life too.

The concept of democracy, as we learned it, has weakened, but we still have free will and do not have to let poor government, wars, economic and social injustice blur our well-being.  We can still be free and responsible for our health, our income and our wealth.  The majority of people blame on government and big business for economic failure.  They want them to fix the problems, step back from the change and rebuild from what they perceive as ruin.

The few who succeed see change as a gift instead.   No change is a guarantee that nothing gets better.  Evolution brings destructive innovation but such change is not ruin. It is opportunity.

The change in the purchasing power of the US dollar is one of the greatest risks we have to our independence, safety, health, and wealth, but is also a chance for huge profit as I explain below.   Though the greenback has been strong for a number of years, its strength is in serious jeopardy.  The growing federal deficits increase the national debt and this with rising interest rates propels a growing debt service.

When the Dow Jones Industrial Average recently passed 20,000, another milestone of “20” took place that has a much darker meaning to your and my spending power.  The U.S. national debt passed the $20 trillion mark.

The problem is that the Dow will come back down.  National debt will not fall.

In the past decade US debt nearly doubled and the Congressional Budget Office estimates that the rate of  debt will continue to rise for at least ten more years.  That debt is all the debt issued by the US  Department of the Treasury since 1790.  In other words in the ten years from 2006 to 2016 the US government added as much debt as it had accumulated in the previous 216 years!

That number does not include state and local debt.  That number doesn’t include so-called “agency debt ( debt issued by federal agencies and government-sponsored enterprises) which is “guesstimated” to be another $8.6 trillion or so.  That  dreadful number does not include the so-called unfunded liabilities of entitlement programs like Social Security and Medicare.

Do you feel burdened by personal debt?  Well, add the Federal National Debt because per person it is over $60,000.  If one adds in all the other debt each and every American owes over $100,000!   For each family of four, our friendly Congress has added an extra $400,000 debt.

How can America pay this back?

The answer is they cannot.  However there is good news.  Payback actually does not matter.  No one expects the US or any country to ever pay back all its debt.  Isn’t that nice? We all owe $100,000 but don’t have to pay it back?  Right?

Here is the bad news.  Everyone does expect every country to pay its national debt service.   This is why we know there will be a downward dollar spiral.  You see when debt service gets too high, governments always let the purchasing power of the currency fall.  It’s a dirty trick.  Someone owes you a bunch of dollars every month and they pay it.  The problem is those dollars buy less clothing, less food, less housing and energy and less everything.

Wait a minute isn’t that good for us?  If we each owe a $100,000 but get to pay it back in devalued dollars, don’t we reduce our debt?   Yes, but those are the same dollars we are paid with.  Those are the same dollars that pay for our food, our clothing and our shelter. Those are the same dollars in our savings account so the reduced purchasing power lowers our standards of living too!

Go to the store.  Buy some bread or, heaven forbid, some fresh vegetables like peppers or fruit.   Look at the cost of your prescription or hospital bills.   Do something simple like have your car serviced at an auto dealer.  Look at the dollars you spend and you’ll see what I mean.

A huge dollar conundrum looms from the rising national debt service as well.  During most of the last decade when the national debt was skyrocketing, interest rates were plunging and remained really low.  Now rates are starting to rise as will the US national debt service.  This chart from the Congressional Budget Office (CBO) shows that debt service is expected to more than triple in the next ten years.

dollar charts

Largely due to the Federal Reserve’s aggressive efforts to keep interest rates low, the U.S. government is paying historically low rates on its debt.

The CBO projects, unless the law changes, US national interest costs will more than double over the next 10 years, rising from $270 billion in 2017 to $712 billion in 2026 and totaling $4.8 trillion over the period.  Interest costs are expected to continue climbing beyond the next 10 years and are projected to be the third largest category in the federal budget by 2028 (after just Social Security and Medicare), the second largest category in 2046, and the single largest category in 2050.

These interest costs add up to trillions of dollars that won’t be spent on roads, on the military, on health care or the environment or schools.  That rising debt service creates a vicious cycle that can only lead to a devaluation of the US dollar so the debt can be paid, but in phony terms.

The loss of the dollar’s purchasing power erodes our independence, our freedom and our savings and wealth as well. 

At the same time, low interest rates by big banks and higher health care costs soak up the ever diminishing income and savings we have left.  According to a Gallup poll, the most unpopular three institutions in America are big corporations & Wall Street banks, HMOs and Congress.  Yet there is little we can do because these institutions are in control.

Over the last 50 years the average income for 90 percent of the American population fell.  Our health system is restricted by a Kafka-esque maze of legislation and insurance regulations that delay, frustrate, and thwart attempts by patients and doctors from proper medical care.  Big banks and corporations restrict our freedom of choice.  The business customer relationships are no longer transactions between free equals.

Banks can trap us in indebtedness at every age from student loans to mortgages to health care costs.  They pay almost nothing on our savings.  They hide unexpected fees and payments in complex and unreadable documents.  Banks and big corporations routinely conceal vital information in small print and then cheat.  Weak regulations and lax enforcement leave consumers with few ways to fight back.  Many of these businesses ranging from cable TV to phone and internet service to health insurance have virtual monopolies that along with deceptive marketing destroys any form of free market.

These same companies control the credit-scoring agencies so if  we don’t pay unfair fees, our credit scores will plunge and we could lose the ability to borrow money, rent an apartment, even to get a job.  Many consumers are forced to accept “arbitration clauses” in lieu of  legal rights.  The alternative is to lose banking, power, and communication services.

Big business has also usurped our privacy.  Internet companies sell our personal data.  Personal information is pulled from WiFi and iPhones track and store our movements.  The government can access this information, sometimes without subpoenas.  There’s a lot that we don’t know, often withheld under the guise of “National Security.”

The glow on Western democratic capitalism has dimmed… or so it seems.  The US, leading the way, is still a superpower with economic, innovation and military might, but the institutions that should serve the people have become flawed or broken.

America’s infrastructure is in shambles.  The nation’s bridges are crumbling, many water systems are filled with toxins, yet instead of spending more to fix this, we build more prisons.  The 2.2 million people currently in  jail is a 500 percent increase over the past thirty years.  60% of the inmates belong to ethnic groups.  Not just non-white ethnic groups are suffering.  Annual death rates are falling for every group except for middle-aged white Americans.  Death rates are rising among this group driven by an epidemic of suicides and afflictions stemming from substance abuse, alcoholic liver disease and overdoses of heroin and prescription opioids.

America’s middle class is shrinking.  Nearly  half of America’s income goes to upper-income households now.  In 1970 only 29 percent went to this group.  How can we regain our freedom, our happiness and our well being in such a world?  What can we do?

The answer to a better, freer life is to combine better health, higher income and greater savings for a happier, more resilient lifestyle. 

Merri and I are in our 49th year of living, working, investing and researching to find and share ideas on how to have simpler, low stress, healthier, more affluent lifestyles.  Our courses, reports and email messages look at ways to gain:

#1:  Low cost natural health.

#2:  Global micro business income.

#3:  Safer, more profitable, easy to make value investments.

Many readers use our services for just one of these three benefits.  They focus only on health or on earning more or on investing better.

27 years ago Merri and I created the International Club as a way for readers to join us and be immersed in all three of these benefits.   The International Club is a year long learning program aimed at helping members earn worry free income, have better affordable good health and gain extra safety and profits with value investments.

The three disciplines, health, earning and investing, work best when coordinated together.  Regretfully the attacks on our freedom are realities of life.  There is little we can do to change this big picture.  However we can change how we care for our health, how we earn and how we save so that we are among the few who live better despite the dollar’s fall.

We start with better lower cost health care.

Club membership begins by sharing ways to be free of the “Secret Hospital Charge Master”.   Just as governments hide truth behind “National Security”, big health care businesses hide medical truths behind “Charge masters”.  Most hospital charge masters are secret because big business does not want us to know how much hospital costs have risen.  Motivations beyond our good health, like corporate greed, want to keep us in the dark about health care cost.

Despite rising health care costs, a report from the Centers for Disease Control & Prevention shows that hospitals are the last place we want to be for good health.  One report shows that hospital-acquired infections alone kills 57% more Americans every year than all car accidents and falls put together.

Often, what patients catch in the hospital can be worse than what sent them there.  Governments and health care agencies agree  – antibiotic resistance is a “nightmare.”  An antibiotic-resistant bacteria may be spreading in more hospitals than patients know.  About one in every 25 hospitalized patients gets an infection and a 2013 report from the Journal of Patient Safety showed that medical errors are the third-leading cause of death in the country.

Along with the risk of hospital acquired illness and medical errors, the second huge threat to our well being… is health care costs, especially at hospitals.  This is why charge masters are so often secret.  There are few risks to our wealth that are greater than a hospital stay.

I have created three shamanic health reports are about:

#1: Nutrition

#2: Purification

#3: Exercise

Each report is available for $19.95.  However club members receive these three reports worth $59.85 free.

Club members also receive seven workshops and courses on how earn everywhere with at home micro businesses.  We call this our “Live Well and Free Anywhere Program”.   The program contains a series of courses and reports that show ways to earn and be free. These courses and reports are:

  • “International Business Made EZ”
  • “Self Fulfilled – How to Write to Sell”
  • Video Workshop by our webmaster David Cross,
  • The entire weekend “Writer’s Camp” in MP3
  • The report “How to Raise Money Abroad”
  • Report and MP3 Workshop “How to Gain Added Success With Relaxed Concentration”
  • The course “Event-Full – How to Earn Conducting Seminars and Tours”

This program is offered at $299, but is available to club members free. They save $299 more.

Next, club members participate in an intensive program called the Purposeful investing Course (Pi).  The purpose of Pi is finding value investments that increase safety and profit.  Learn Slow, Worry Free, Good Value Investing.

Stress, worry and fear are three of an investor’s worst enemies.  These destroyers of wealth can create a Behavior Gap, that causes investors to underperform in any market good or bad.  The behavior gap is created by natural human responses to fear.  Pi helps create profitable strategies that avoid losses from this gap.

Lessons from Pi are based on the creation and management of a Primary Pi Model Portfolio, called the Pifolio.  There are no secrets about this portfolio except that it ignores the stories from economic news (often created by someone with vested interests) and is based mainly on good math that reveals the truth through financial news.

The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets using my 50 years of global experience and my study of the analysis of four mathematical investing geniuses (and friends).

There are seven layers of tactics in the Pi strategy.

Pi Tactic #1: Determine purpose and good value.

Pi Tactic #2: Diversify 70% to 80% of portfolio equally in good value developed markets.

Pi Tactic #3: Invest 20% to 30% equally in good value emerging markets.

Pi Tactic  #4:  Use trending algorithms to buy sell or hold these markets.

Pi Tactic  #5:  Add spice speculating with ideal conditions.

Pi Tactic  #6: Add spice speculating with leverage.

Pi Tactic  #7:  Add spice speculating with forex potential.

The Pifolio analysis begins with a continual research of international major stock markets that compares their value based on:

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return

#7:  Market history

We combine the research of several brilliant mathematicians and money managers with my years of investing experience.

This is a complete and continual study of what to do about the movement of international major and emerging stock markets.  I want to share this study throughout the next year with you.

This analysis forms the basis of a Good Value Stock Market Strategy.  The analysis is rational, mathematical and does not worry about short term ups and downs.  This strategy is easy for anyone to follow and use.  Pi reveals the best value markets and provides contacts to managers and analysts and Country Index ETFs so almost anyone can create and follow their own strategy.

The costs are low and this type of ETF is one of the hardest for institutions to cheat.  Expense ratios for most ETFs are lower than those of the average mutual fund.  Little knowledge, time, management or guesswork are required.  The investment is simply a diversified portfolio of good value indices.  Investments in an index are like investments in all the shares of a good value market.

Pi opens insights to numerous long term cycles that most investors miss because they have not been investing long enough to see them.

The Pi subscription is normally $299 per annum but club member receive Pi at no charge and save an additional $299.

Profit from the US dollar’s fall.

In the 1980s, a remarkable set of two economic circumstances helped anyone who spotted them become remarkably rich.  Some of my readers made enough to retire.  Others picked up 50% currency gains.  Then the cycle ended.  Warren Buffett explained the importance of this ending in a 1999 Fortune magazine interview.  He said:  Let me summarize what I’ve been saying about the stock market: I think it’s very hard to come up with a persuasive case that equities will over the next 17 years perform anything like—anything like—they’ve performed in the past 17!

Club members receive a report about opportunity in the  current strength of the US dollar is a second remarkable similarity to 30 years ago.   The dollar rose along with Wall Street.  Profits came quickly over three years.  Then the dollar dropped like a stone, by 51%  in just two years.  A repeat of this pattern is growing and could create up to 50% extra profit if we start using strong dollars to accumulate good value stock market ETFs in other currencies.

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago.  The trends are so clear that I created a short, but powerful report “Three Currency Patterns for 50% Profits or More.”   This report shows how to earn an extra 50% from currency shifts with even small investments.  I kept the report short and simple, but included links to 153 pages of  Good Value Stock Market research and Asset Allocation Analysis.

The report shows 20 good value investments and a really powerful tactic that shows the most effective and least expensive way to accumulate these bargains in large or even very small amounts (less than $5,000).  There is extra profit potential of at least 50% so the report is worth a lot.

This report sells for $29.95 but when you become a club member you receive the report, “Three Currency Patterns For 50% Profits or More” FREE.

Plus get the $39.99 report, “The Silver Dip 2017” free.

With investors watching global stock markets bounce up and down, many missed two really important profit generating events.  The price of silver dipped below $14 an ounce as did shares of the iShares Silver ETF (SLV).   The second event is that the silver gold ratio hit 80 and has remained near this level, compared to a range of the 230s only two years ago.

These two events are a strong sign to invest in precious metals.

I prepared a special report “Silver Dip 2015” and updated this in 2017.   The report explains the exact conditions you need to make leveraged silver & gold speculations that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share long term lessons about speculating in precious metals gained through 30 years of speculating and investing in gold and silver.

The low price of silver offers special value now so I want to send you this report because the “Silver Dip 2017” offers enormous profit potential in 2017.

The report “Silver Dip 2017” sells for $39.95 but club members receive it free as well.

The $39.95 new “Live Anywhere – Earn Everywhere Report” is also free.

There is an incredible new economy that’s opening for those who know what to do.  There are great new opportunities and many of them offer enormous income potential but also work well in disaster scenarios.

There are are specific places where you can reduce your living expenses and easily increase your income.  Scientific research has shown that being in such places actually make you smarter and healthier.  Top this off with the fact that they provide tax benefits as well and you have to ask, “Where are these places?”.

Learn about these specific places.  More important learn what makes them special.  Discover seven freedom producing steps that you can use to find other similar places of opportunity.

The report includes a tax and career plan broken into four age groups, before you finish school, from age 25 to 50 – age 50-to 65 and what to do when you reach the age where tradition wants you to re-tire.  (Another clue-you do not need to retire and probably should not!)

The report is very specific because it describes what Merri and I, our children and even my sister and thousands of our readers have done and are doing, right now.

Live Anywhere – Earn Everywhere focuses on a system that takes advantage of living in Smalltown USA, but earning locally and globally.

This report is available online for $39.99 but International Club members receive it free.

Save $418.78… “plus more” when you become a club member.

Join the International Club and receive:

#1: The $299 Personal investing Course (Pi).   Free.

#2: The $299 “Live Well and Free Anywhere Program”. Free.

#3: The $29.95 report “Three Currency Patterns For 50% Profits or More”. Free.

#4: The $39.99 report “Silver Dip 2017”. Free

#5: The three $19.99 reports “Shamanic Natural Health”.  All three free.

#6: The $39.99 “Live Anywhere – Earn Everywhere” report. Free.

#7: Plus more.

These reports, courses and programs would cost 767.78 so membership saves $418.78, “plus more”.

What’s the “plus more”?

Join the International Club for $349 and receive all the above online now, plus any online reports, online course updates or online programs we create throughout 2017 all at no additional fee. The club membership entitled you to everything.

The International Club membership is $499, but we want to encourage our first 100 members to join quickly so we are currently accepting discounted membership  at $349. 

Join the International Club for $349 and receive all the above online now, plus all reports, course updates and Pi lessons throughout 2017 at no additional fee.

Click here to become a member at the discounted rate of $349

Gary 



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