How to Prosper in 2012

Here’s a way to get a good start in the New Year.  Let my error of last year make you a hero in 2012.

Happy New Year!

Sometimes… no matter how much experience one has… there are ways to screw up…  as I recently did… again.

See below how this mistake can bring extra cheer to you in 2012.

See how this error can help you attend a powerful New York investing seminar FREE plus also get a FREE rose bouquet as you learn how to earn extra income… protect wealth… have better health and become a hero (or heroine as the case may be) as well.

First, let me share how rosy our holiday has been… filled with Ecuador roses.  

Roses like these by the way below will be part of your heroship because in a minute you’ll see how to get an Ecuador rose bouquet absolutely free…. (exactly at the most important time.)

We received our holiday roses and mixed them with gladiolas. This really stretches four dozen roses so even after sharing, we still had a number of wonderful bouquets around the house.

Some have become wilted a bit now they are nine days old but most still look good.


Ecuador roses and glads in…

Fwd: ecuador-roses

our kitchen and…

Fwd: ecuador-roses


Let me confess…it’s my screw up that can bring you a FREE Ecuador rose bouquet in 2012.

Merri and I have been conducting seminars for over 30 years.

In that time we have learned many lessons.  One important lesson is… do not conduct a seminar anywhere near Christmas, Easter or Valentine’s Day.

So what did I do for 2012?

Before I admit everything, please let me mitigate this by saying that scheduling these events is not the easiest task in the world.

One has to take into account US holidays, Canadian holidays,  Ecuadorian holidays… religious holidays of all sorts… what one’s competitors are doing, what our friends at Jyske Bank are doing and so forth.

What more can I say.  I simply goofed under pressure and set up our first International Business & Investing seminar of the year for February 10-12  in Mt. Dora, Florida.

In other words, this course’s schedule is not near… not close… but right on the weekend before Valentine’s Day.  I shudder!

Plus once our schedule is set and reservations come in…the dates are pretty well set in stone.  In the last 30 years or so I have missed a seminar only twice… once when my dad died and once year before last year when my mother had a serious illness. (She recovered really nicely thank you very much.)

If Merri, our kids and my mom (plus me of course) are breathing and are likely to continue to do so… then our seminars are conducted!

So I realized: “I had to turn lemons into lemonade.”

I had to create a Valentine’s celebration as part of our February seminar.

Here is what I am going to do for you…. to make you a Valentine’s hero and still let you attend that seminar!

If you attend our course this February 10 to 12  and bring your partner!  I’ll give you a bouquet of beautiful Ecuador roses to enjoy at the seminar.  If your spouse does not come, you can take the roses home.  You arrive back home on Valentine’s Day, and with some of the nicest roses you can imagine, to say “Happy Valentine’s Day”!

You’ll be a Valentine hero!

Yet as mentioned I made another error that creates another free benefit for you that I’ll share in a moment.

First, let me describe the benefits (beyond being a Valentine HERO) of attending the seminar.

This International Business and Investing seminar in Mt. Dora (about an hour from Orlando airport) that begins February 10 includes our Frequency Modulation workshop that helps you learn how to be more intelligent so your investing and business are more successful.

The seminar contains three parts… where to invest now… how to have a funky micro business for alternative income and how to increase intelligence with Frequency Modulation.

Session #1: Where to invest now.

Our investing seminars share a seven step investing philosophy that integrates personal desires, skills and circumstances to global economic and financial realities.

The first three steps in our investing sessions look at where each individual should invest in a financial discipline we call three phase investing. Phase one is your PIEC (personal Income Earning Corridor). This is what you are best at… based on you… your past… your future… your interest, skills and knowledge. This is followed by your most conservative safeguard investments and the third phase is your high risk speculations.

These three phases are then matched to current markets based around economic cycles as outlined first by Russian economist, Nikolai Kondratiev, who proposed a theory that Western capitalist economies have long term (50 to 60 years) cycles of boom followed by depression. These business cycles are to this day called “Kondratiev Waves”.

Kondratiev’s thoughts were refined by the Austrian economist, Joseph Shumpeter.  We have extensively researched and follow the global economy (and US stock market) and how it has moved through a series of bull…. and then a bear (a period of no growth) cycles that each run around 15 year bull as shown in this graph below.

Dow Charts

These stock market bull and bear cycles are based on cycles of human interaction, war, technology and productivity.

These cycles are intricately connected with the new waves of productivity that grow from the great human platform of combat. The cycle goes like this.

An economic downturn enhances a war or threat of war. Struggles for survival in the war (like the Civil War, WWI, WWII and the Cold War (WWIII), super charge inventiveness that creates new forms of productivity…the steam engine, the internal combustion engine,  production line processes, jet engines, TV, farming techniques, plastics, telephone, computer and lastly during the Cold War, the internet.

Each new invention helped win a war.  Shifting the technology to domestic use… after the war… created a boom.

Each boom leads to excess.

Each excess led to a correction.  The correction creates an economic downturn.

The economic downturn enhances a war or threat of war.

The global economy is currently in a major correction cycle… at the correct time and we should expect that a war (or some major struggle of the epoch or threat of war such as the Cold War) should begin to build!   This latest downturn started almost exactly (1998), 16 years after the last boom began (1982)…which began after the last great human struggle called the Cold War that lasted about a decade when the Soviet Union collapsed.

If the cycle repeats, the struggle should build now due to the poor economy.  If the cycles repeat then the bottom is around 2012-2013.  Everything will seem bleakest… darkest… blackest.

This will be the best time of all in decades to invest!

The epoch of the Cold War brought Maggie Thatcher and Ronnie Reagan fought the evil empire (1981 to 1989).  The war was won when the Berlin Wall came down in 1989 and the Soviet Empire dissolved in 1991. That war created an arms race that created new technology including internet.

The economic war that follows the boom comes from the domestication of technology developed during the struggle.

The technological burst off WWIII accelerated when access to the ARPANET was expanded in 1981 by the National Science Foundation (NSF) which developed the Computer Science Network (CSNET) providing access to supercomputer sites in the United States from research and education organizations.

In 1982 the Internet Protocol Suite (TCP/IP) was standardized and the concept of a world-wide network of fully interconnected TCP/IP networks called the Internet was introduced. Commercial internet service providers (ISPs) began to emerge in the late 1980s and 1990s.

The dot-com bubble (also referred to as the Internet Bubble and the Information Technology Bubble) was the post war boom, a speculative bubble covering roughly 1995–2000.

Now we are heading into the twelve or thirteen years of the latest bear cycle.

Deciding where this cycle is and when it will turn is the 4th part of our seven step systematic approach to investing. 

Part five of our investing session looks for value and we follow the analysis of Keppler Asset Management which monitors global equity markets and determines which markets offer the best value now.
These markets currently include the major markets of:  Austria, France, Germany, Italy, Japan and Norway and the emerging markets of Brazil, the Czech Republic, Egypt, Hungary, Poland, Russia, Taiwan, Thailand and Turkey at equal weights.

Step Six looks at contrasts and distortions in currencies, markets and social and demographic shifts to spots trends.

For example we look at how each new wave of technology creates new problems.  Shifts from WWII included increased fertilization in farming and more women at work.  This caused dietary differences in the American family that led to an explosion of health food stores.

Surprisingly the inventors of Graham Crackers and Kellogg Corn Flakes were among some of the first to spur an interest in health food so in the 1920s and 1930s health food stores did start to open in the USA selling products such as blackstrap molasses and brewer’s yeast.  However health food stores as we know them did not start to boom until the 1960s in connection to the newly emerging ecology movement and counterculture to modern living, intense fertilization, pesticides, women at work, etc.

Image the wealth you would have gained had you seen that trend coming!

We’ll explore potential counter cultures created by the internet… a WWIII technology… that could erupt and ways to invest and do business based on this.

We’ll pay special attention to currencies and distortions on fundamentals versus interest rates so we can find ways to borrow low and deposit high. Thomas Fischer of Jyske helps us when he speaks in these sessions.

Plus we review my portfolio and where I am invested now.

The seventh step on how to earn extra income yourself shifts into the second session of the seminar… how to create alternatives with an unusual (funky) micro business.

Your own micro business is the best investment you can make because this can be a small investment magnified by your own time, effort and energy.

In the micro business session we’ll look at seven ways you can earn extra income from turn key programs in countries we have created for readers with …. Jyske as an introducer…  exporting Ecuador roses… offering essential oils… bio degradable Bio Wash…  Swiss Made Phytobiodermie health products… Ecuador exports and putting on seminars and tours.

However this is just a small part of the micro business sessions. You’ll learn how to build any business you love and turn your passion into profit.

A big part of the session will be able how to earn from writing and publishing!

The third session in the seminar teaches how to become more intelligent, successful and fulfilled through Frequency Modulation.

We have been incorporating the ideas of Frequency Modulation into our courses and seminars for decades… but we have now super charged this workshop within the seminar.

Frequency modulation integrates:

* Logic with intuition.  The benefit is increased prosperity from better adaptation to change.

* Desire with action.  The benefit is more enjoyment and fulfillment from life.

* Good health with everlasting wealth. The benefit is reduction of stress, more energy and feeling better.


Join us here, this February at…


our Florida home…where we will enjoy a Valentine’s Day celebration.

Bringing delegates to our home is an example of a quantum wealth benefit.

This is fun.

Yet there is more.  This process helps delegates hear, see and feel the authentic reality of the ideas we share.  We do not spout ivory tower, unattainable theory.  Our seminars share what we do… how we live… and how we have developed our lifestyle. Our mission is to help you see what we do, so you can blend our lessons into a lifestyle that is better… happier… richer…easier for you.

I have never heard of other seminars offering this… an integration of what we speak about with our actual lifestyle.

The third part of our seminar is the Frequency Modulation workshop where you learn ways to use super thinking to tap into deeper intelligence.  We share how to use this extra intelligence in business, investing and life so you improve the way you absorb, retain, recall information and think forever.

Thomas Fischer and I will conduct the investing portion of the seminar.



Gary Scott and Thomas Fischer.

On the subject of Thomas Fischer and JGAM… let me reveal my second error… not checking with my strategic partners before I set our schedule.

At Jyske Bank’s last Global Wealth seminar in Copenhagen I enjoyed the privilege of speaking with some of the best known economists and investment managers in the world… Kenneth Rogoff, Jeff Rubin, Tommy Leung, David Darst and many other global investing experts.

I was privileged to speak about multi currency investing, but also was able to listen to this wealth of knowledge as well.


Here is a panel at the Copenhagen seminar including Lars Stouge and Thomas Fischer of JGAM, plus Peter Berezin of BCA Research and David Darst of Morgan Stanley plus yours truly.  These were incredible learning sessions for me.

These are speakers… especially David Darst and Peter Berezin one does not want to miss.

Now due to my failure to plan correctly you have a chance to hear both of these incredibly intelligent and experienced speakers FREE.

Last year I set our schedule to conduct our:

Super Thinking + Spanish course in Mt. Dora, Florida, January 12-15, 2012  and our

International Investing & Business Made EZ,  Mt. Dora Florida February 10-12, 2012.

Because I did not check with Jyske Bank, our strategic partner, I missed the fact that Jyske was conducting a one day January 27, 2012 seminar for Jyske clients in New York.   Thomas Fischer,  David Darst, Managing Director and Chief Investment Strategist of Morgan Stanley and Peter Berezin, Managing Editor, BCA Research and others investing experts will speak.

I was invited (along with our many readers who also use Jyske) but due to that Florida schedule cannot attend.

This is an incredible lineup of speakers and I cannot be there.  AGHHHH!  However I contacted Thomas Fischer and made him a deal so that delegates of either our January or February seminars in Mt. Dora could also attend the New York seminar FREE.

This is an incredible opportunity because David Darst is managing director and chief investment strategist at Morgan Stanley, Smith Barney with responsibility for asset allocation and investment strategy. He was the founding president of the Morgan Stanley Investment Group after he joined Morgan Stanley 14 years ago from Goldman Sachs where he held senior management posts within the Equities Division and earlier, for six years as resident manager of their private bank in Zurich.  He  earned his MBA from Harvard Business School and was awarded a BA degree in Economics from Yale University.  He has lectured extensively at Wharton, Columbia, INSEAD and New York University business schools. For nine years he served as a visiting faculty member at Yale College, Yale School of Management and Harvard Business School.

Wow… what a resume.

David is an incredibly powerful speaker and a key part of  his beliefs is that the power of American innovation could create a huge positive economic recovery and this offered excellent investing opportunity.


Gary Scott and Peter Berezin.

Peter Berezin is the managing editor, of Bank Credit Analyst (BCA).  BCA Research is one of the world’s leading independent providers of global investment research. Since 1949, the firm has provided its clients with leading-edge analysis and forecasts of the major financial markets, with clear and focused recommendations for investment strategy backed by time-tested proprietary indicators. BCA Research provides its services to investors in more than 90 countries through a range of products, consulting and conferences.

Peter joined BCA Research in 2010, as managing editor and member of the BCA research team. Previously for three years he was Vice President and Senior Global Economist with Goldman Sachs in New York.  Prior to joining Goldman Sachs, Peter spent 7 years with the International Monetary Fund. He has a Ph. D in Economics from the University of Toronto, a Master of Science (Economics) from the London School of Economics and a Bachelor of Arts (Economics) from McMaster University. He has extensive experience in analyzing global economic and financial market trends.

Thomas Fischer will lead this seminar and will bring what he learns and share with us at the February International Investing and Business seminar.

However if you enroll in either of our January or February seminars you can meet these speakers in New York this January FREE.

This is an important time to have timely advice from such experienced speakers because the current tough economic times increases opportunity, IF, finances survive!

One of David Darst’s graphs at Jyske’s last seminar agrees with our belief in the 15 year bull and bear cycles.


The key for spotting the greatest investment opportunities is to spot the next big trend… the technology that will spin out of WWIV.

The key is that a problem must have such severe consequences (such as losing the war and being destroyed) that all stops… all logics of return on investment are ignored. Technology and research are pushed full steam ahead regardless of cost.

The key to great success now is spotting the war.  It could be against global warming.  The battle could be against a plague…. new bacteria that resists antibiotics.  A bad year of crops could create famine and the war would be on hunger.

The solutions will create huge opportunities and we are keeping our eyes and research focused on how markets will evolve.

We look forward to meeting you in January or February so we can share what we learn with you.

According to Scottish tradition New Year’s Day is called “Hogmany”.  It is a big celebration and the first visitor in the New Year (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).

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. The New Year is the best time for an important winter solstice holiday when family and friends gathered for a feast and to exchange gifts, which came to be called hogma.

The visitor should be carrying a lump of coal so here it is for you.


Here is your lump of coal… plus our gifts… the Jyske seminar in New York and FREE Valentine’s roses.

Join us in January Super Thinking + Spanish course in Mt. Dora, Florida, January 12-15, 2012.

or join us with Thomas Fischer in February for International Investing & Business Made EZ,  Mt. Dora, Florida February 10-12, 2012.


Better still become an International Club member and attend both these and five other seminars or more FREE.

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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