Happy New Year Q & A

Happy New Year. Merri and I send our best wishes to you for a wonderful 2011 and send our hopes that you find the strength, wisdom, tenacity and flexibility to enjoy and gain positive acceleration from your resolutions.

Over these holidays I had the joy of spending time with our son Jake and grandson Garren… a linage rich in Scot’s tradition.

the scott halls gone fishin

Enjoying Jake and Garren on the lake.

This led me to thinking about New Year’s Eve – Hogmanay and how the first visitor (called the first foot visitor) after midnight, should be dark to ensure good luck for the house, the first foot should be male, dark (this is believed to be a throwback to the Viking days when blond strangers arriving on your doorstep meant trouble).


Here is your dark stranger.  This shot was taken when I was swimming in Aqua Blanca, a sulphur lagoon near Puerto López, a small fishing village south of Manta in Ecuador.

The visitor should be carrying a lump of coal, dram of whiskey and a slice of black bun.

Here is your lump of coal.

Historians believe that Hogmany in Scotland evolved from the Vikings who, living so far north paid great attention to the passing of the shortest day. In parts of Scotland, New Year is called Yules, from the Scandinavian word.

In addition Christmas was virtually banned in Scotland for around 400 years, from the end of the 17th century to the 1950s. This had to do with Protestant Reformation and Christmas being viewed as a Catholic feast.  This left the New Year as the best time for an important winter solstice holiday when family and friends gathered for a feast and to exchange presents, especially for the children, which came to be called hogma.

There are some good hardy Scottish traditions in this celebration.  Cleaning the house on 31st December and clearing all your debts before “the bells” at midnight. Wouldn’t the world be different if all of society actually did that?

Bobby Burns’ wrote about this in “For Auld Lang Syne” (The times gone past; the good old days) based on an earlier fragment and a tune from the early 1700s.

“Should auld acquaintance be forgot and never brought to mind?”

Part of the Hogmanay partying is to welcome friends and strangers, with warm hospitality and of course a kiss to wish everyone a Guid New Year. The underlying belief is to clear out the vestiges of the old year, have a clean break and welcome in a young, New Year on a happy note.

“First footing” (that is, the “first foot” in the house after midnight) is still common in Scotland. To ensure good luck for the house, the first foot should be male, dark mentioned above with symbolic coal, shortbread, salt, black bun and whiskey. These days, however, whiskey and perhaps shortbread are the only items still prevalent.

So I hope I am the “First Foot” in your home… dark with the coal.  Instead of whiskey and short bread (almost certainly not in your resolutions)… here is an potential idea for a business in Ecuador… or from Ecuador.


A New Year’s Welcome better than coal.

Since this year begins on Saturday, let’s start off the year with your comments questions and answers and begin with a great business idea.

Reader’s Great Idea: Your pancake recipe has inspired me.  I am in the process of moving to the Philippines and coconut products are most available here.  We make our own vco ( virgin coconut oil) and have easy access to coconut flour, free range eggs and Philippine cacao.  Our extra blessing is coconut sugar, which has a glycemic index as low as 35 making it suitable for even diabetics.  Have you tried increasing the BP to one full t.? Anyway the point of writing to you is the availability of coconut in Ecuador makes possible some of the newer coconut products on a cottage scale.  Knowing of your desire to assist in the rational development of Ecuador I am suggesting you might facilitate the production of VCO and coconut sugar as high value agricultural products serving to raise the prospects of poor Ecuadorian farmers.  As a visitor to Ecuador who eventually chose the Philippines for emigration, I would be happy to be of assistance should you so desire.   Regards,

My Comments: Great ideas! Thanks…If one’s passion is in helping others have better health, there are many ways one can turn this idea into a business. Making VCO or coconut sugar… selling it… wholesale or retail… teaching about it… creating tours or courses around it.   You can see an example of how there are a multitude of ways to turn your passion into profit at Global Business Opportunity.

Reader Question: Once I am trained to be an FM teacher, then what?  Please explain what the next process would be.  Thanks.

My reply: This is a beta program so we are not sure what’s next… if anything.

What we do know is that a number of the trainees have existing businesses and are taking the training to improve what they already do. Others have told us they plan to create a training business.  This is why we are creating the email course on how to have a teaching and/or seminar business to go along with the FM training.

We hope that some of the trainees who create their own businesses will teach programs that we could we could promote…. help them build their own site and such. But we do not have any outline yet on how this will work nor do we promise that this will come to fruition.  After being in this type of business for four decades, we have learned to be flexible and let the process guide us rather than create a rigidity that may lead us down the wrong road.

We hope to meet and work with you in a Happy New Year.  Learn about about FM Teacher Training here.

Reader Question: My husband likes Cuenca since it is more cosmopolitan and they have a golf course there which appears to be a rare thing in Ecuador.
Do you see any negatives in investing in Cuenca?  I know you and Merri prefer Cotacachi but would still like your input.
We did the coastal tour but my husband could not stomach the surrounding poverty and was depressed about it even though the ocean and beaches are exceptional. Thanks!

My Reply: Many more of our readers have purchased in Cuenca than in the north or anywhere else in Ecuador.

If Merri and I were to live in a city, Cuenca would be the place… but if you have been reading our sites for long you know we are quirky about city life. Living in Hong Kong and London all those years filled our desire to be in crowded places decades ago.

We desire to be away from people.  We do not even go to Cotacachi much any more because though it is still a village it has grown so much.

The downsides for us have always been… Cuenca weather is a bit colder than Imbabura…we chose 14 years ago to help the indigenous and they of course are very prominent in the Imbabura area.  Also, because of many obligations, it is hard on us to have the extra day to get there and return. But these are our own desires and do not reflect the majority of others.  We don’t go out at night and we rarely ever eat out except the occasional breakfast, so restaurants and the like (and we don’t play golf or tennis) don’t interest us.  Not to say these aren’t extremely interesting to others!

On the upside Cuenca is a real city with many western comforts and my guess is that 60% or 70% f our readers like Cuenca best.  This is why Jean Marie and Stephen Milden are conducting more Ecuador real estate tours in Cuenca than anywhere else this year. They have expanded each tour to three days and have scheduled eight Cuenca real estate tours this year.

I would like to add one important point about these tours. Jean Marie nor Stephen nor any of the Ecuador Ateam sell real estate or take commissions on sales of real estate so delegates on their tours get an objective view of the real estate market without any hidden agendas. You can see about Cuenca real estate tours here.

Reader’s Comments: I had the opportunity to attend the Imbabura import/export seminar in October 2009. I was there with my husband, Wilfred. It was a great experience! We met the kind people in Ecuador, graceful women and gallant gentle men. From your end, we met Bonnie a kind articulate administrator and all the others working in the kitchen at your hotel. I came back this last October 2010 with my daughter, who has an online fashion store. Bonnie as usual was up to the task. All arrangements were made, and we were safely brought home to Cotacachi by Omar who is another wonderful guy. Did I just call Cotacachi home? Yes. It was nice coming back. Anyway, I would like to share something valuable with every expatriate planning to change their environment. You cannot enjoy the transition unless you change your attitude, let’s look at the following:

1.      You are not coming to conquer or boss around some primitive people.
2.      Every culture deserves respect.
3.      If you are looking at what is not right, you are denying yourself of the experience of what is right.
4.      Kind words and attitude will attract same.
5.      Do not bring your profanities to a land where spirituality governs the way of life.
6.      Live in the “now” and enjoy every aspect of the transition.
7.      Happiness is a choice; it’s not about place or environment.
8.      You cannot change others, you can only change yourself.
9.      If you want to try something new, you have to be open-minded.

Best of luck to every prospective person looking for a change, and a big thank you to our pioneers Gary & Merri.

My Comments: Well said! I certainly cannot improve on that!

Reader Question: Gary, my wife and I are long time readers of your website and are planning to move to Ecuador sometime in April or May.  We recently read an article from International Living that stated that Ecuador had a special retirement plan for pensioners that can save on expenses for retired people.  Have you heard of such a program and can you explain this to us.  Thank You, P.S. we love your news letter.

My Reply: IL is spot on. Essentially many items are charged at half price for people living in Ecuador who are aged over 65… air fares… park entrances… electricity, property tax, plus a refund on some sales tax.

The way to get the sales tax refund is to visit the SRI (Ecuador’s IRS) and register. You’ll be entitled to submit bi-monthly, up to $140 a month of official receipts for the previous 2 months. The SRI will refund the 12% tax paid on most goods and services directly into your Ecuador bank account up to $1,680 a year.

You get 50% discount on property taxes. If a couple are both over 65 there is no property tax at all.

Water and electric bills are reduced by 50% as are air fares and park entrances.

Learn more about Ecuador’s Social Security in an article “Ecuador Health Insurance Update” written by Bonnie Keough on Ecuador’s Ateam.

Reader Question: Hi Gary, I’m thinking we may have met in 2008 at the Sat. Otavalo market.  But that’s another story from a previous incarnation LOL.

WOW!  Look at you go.  When last in Ecuador I had a bite at Meson de las Flores.  Congratulations on acquiring it!

Since you and Merri seem to be on a spiritual path and mindful in your undertakings, I wonder what part Fair Trade plays in your business dealings in Ecuador?  I’m also curious if you’re aware of the high incidence of cancer and other illness because of the chemicals used by workers in Ecaudor’s ever-so-popular flower business?

I will be heading back to Imbabura in later May 2011 and would enjoy meeting you two!  I usually stay on the little road between Otavalo and Cotacachi via Quiroga.

Blessed be!

My Reply: We as a family and a business recognize the need to focus on environmental and social issues in life and business. Our son is an environmental attorney in training (formerly with National Wildlife Federation) and our daughter took her masters degree at London School of Economics in social planning so she could work with UNICEF in Africa and now Christian Aid to help improve the lives of poor people in developing countries so they would murder me if I did otherwise.

See seven ways we have worked to encourage green, fair trade and more business including in the rose business below.

#1: Please see our policy of using only rose plantations that are certified fair trade environmentally clean roses at

#2: See how we promote Intag Fairtrade organic coffee at

#3: See how we promote organic businesses in Ecuador.
See http://www.ecuadorliving.com/2010/04/19/ecuador-organic-business-option.html

#4: We have been promoting green investing with a major European bank for more than a decade.
See http://www.garyascott.com/2010/09/13/9287.html

#5: We have been promoting Purely Green an bio degradable non mutagenic cleaner, pesticide, fertilizer for over a decade

#6: In the last 15 years, our foundation has donated over a million dollars for reforestation in Ecuador… to provide scholarships and employment for the indigenous there.
See http://landofthesun.org/

#7: We have been promoting a draft wood concept (where we live in summers) in North Carolina to help stimulate employment in an environmentally sensitive way there.
See http://www.garyascott.com/2009/08/18/6306.html

As to the chemicals in the flower business, this part wonderfully is or has ended.  Almost all of the growers ship to the biggest buyers in the world:  The Netherlands, France, Germany, Russia and these countries will not accept roses unless they are green!  There are a few places that still use chemicals…and one of those is near Quiroga because they are foreigners shipping to their own foreign country.  The growers that we have known for over a decade cannot be criticized as they are caring Spanish aristocrats who know their positions of being in charge of the welfare of their workers.  They have for a long time given many many benefits and most of them that we know use Vitamin C as their main growth to the flowers.  There have been a host of movies/shorts on this subject of chemicals but most of them (thank God) are way way out of date.  We pray that those plantations which persist in the old ways will fall away and give in to the beauty of green!

Happy New Year. We look forward to sharing an abundant and fulfilling adventure called 2011 with you.

Gary & Merri

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


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