Success in Change


Today the key to success is the ability to keep up with change.

This is why we are increasing our focus on super thinking.  All of us need to be smarter to adapt to faster change.

Spanish-course

We just completed our Mt. Dora super Thinking + Spanish course and qualified five new teachers. Here is Mark Frakes teaching.

Spanish-course

We are adding Super Thinking teachers as fast as we can. He we are at a teacher’s training meeting over the weekend. This month teachers are teaching in:

March – April Bahia Ecuador

March Costa Rica

March – April Cotacachi Ecuador

March Uruguay

Plus we had one of our youngest students yet at this last course.

Spanish-course

Young Chuck Fritz put the rest of us to shame absorbing the data like a sponge.  We need our youth to know this stuff!

Change is everywhere! For example in the global investing process, the time to take risk is about to change.

JGAM just sent me this note:   Super Friday.  The market has been waiting all week for important news to be released Friday; the Greece bail-out participation rate of the Private Sector Initiative (PSI), inflation figures from China and non-farm payrolls from the U.S.

The Greek debt swap participation ratio was published as being 95.7%. Holders of the bonds only tendered 85.8% voluntarily and collective action clauses (CACs) had to be used to get the participation ratio above 95%. Once the CACs are triggered 86% of all Greek debt in private hands will be swapped for a cash payment and new Greek debt. These measures will wipe about euro (EUR) 100 billion from the Greek debt pile. This restructuring is the biggest sovereign restructure in history. However, the use of CACs may create a credit event in Greek credit default swaps (CDS) and lead to the payout of billions of dollars to the Greek CDSs. The International Swaps and Derivatives Association (ISDA) meets later today to discuss a potential credit event in Greece.

Consumer inflation in China dropped to 3.2% from a year ago in February down from 4.5% in January and the lowest in 2 years. This slowdown in inflation could give Chinese policy makers room to stimulate economic growth, which has been falling below 8%. The inflation figure was however skewed by the Chinese Lunar New Year holiday, as the country shuts down for two weeks. The combined inflation rate for January and February was 3.9%, and with the one-year benchmark deposit rate at 3.5% Chinese savers are still losing money on their bank deposits.

The non-farm payrolls came out at 227,000 in February, slightly above the consensus forecast of 210,000 and the revised numbers for the previous two months added an additional 61,000 to the gains reported.

On 8 and 9 March JGAM held its ordinary monthly Investment Committee meeting. We decided not to make new investments but we are moving closer to a situation where we will take on more risk, possibly by increasing exposure to equities and increase the gearing on leveraged portfolios.

The recent debt swap in Greece, with a large majority of private inventors voluntarily taking a significant loss on Greek bonds, has at least short-term reduced the risk of an uncontrollable sovereign debt default.

Learn more about the change in market risk from Thomas Fischer at fischer@jgam.com

Non Americans contact René Mathys at mathys@jbpb.dk

For example in the global investing process the time to take risk is about to change.

JGAM just sent me this note:   Dear Gary,  On 8 and 9 March JGAM held its ordinary monthly Investment Committee meeting. We decided not to make new investments but we are moving closer to a situation where we will take on more risk, possibly by increasing exposure to equities and increase the gearing on leveraged portfolios.

The recent debt swap in Greece, with a large majority of private inventors voluntarily taking a significant loss on Greek bonds, has at least short-term reduced the risk of an uncontrollable sovereign debt default.

There are changes in the Ecuador real estate market as well.

We have had many stories of Ecuador visa and Ecuador real estate success.

One reader wrote:  Hi Gary,  We would like to inform you that we had an overwhelming demand for our condo at Vistazul # 505 in San Clemente. We accepted an offer and we do not think that we need to promote it any further at this time.

Thanks again for your great service,

 Another wrote: Gary, how are you? After your article on Peter`s unit I have received about 20 requests for information! I know Bob as well is trying to sell his unit so I am offering both for resale.

Finally another wrote:  Dear Gary, We are buying the unit two doors down from Peter.   It is the one with the screens on second and roof for sun bathing.  We missed out on Peter’s place and he put us in touch with Larry.

This will be a cash offer and I believe we can come to a workable agreement.  We want it closed by April 1 with a $10,000 down for a serious commitment.

We hope to make this a family estate and  for our personal use.  Also, I feel it would be good rental when we aren’t there.  What is your take on this?  I will need to take one of your courses to guide me along the way and need to know where you would recommend my starting.

My husband and I are in our eighties and in reasonable health and hope for a long future.  Thank you,

That’s a first I know of… many dozens of leads and three units sold from one ad.

Learn more about Ecuador real estate for sale and for rent here.

Ecuador Visa Comments

One reader sent this note about Ecuador visas:   If you are a soccer player, not an investor, this unconsistend goberment of Ecuador, can give you the citizenship in less than two years.  A total mismanagement of the immigration service.

My reply: Good point. We can either practice and become soccer stars or look for a government that is honest, consistent and efficient.  Though I am past retirement age I think I might have have the best chance if I aspire to make it into the World Cup.

In the USA it’s baseball rather than soccer and quite a few Cuban baseball players found it easier than Cuban businessmen to get access to the country.

Another reader wrote:  Gary,  Thanks for this info, Gary.  We own a little place in Cuenca which we are renting out right now, but have thought of moving in that direction over time.  Our one concern has always been how closely Ecuador is tied to the U.S.  Reading this, I can’t help but think that the U.S. Government has something to do with the tightening of the visa process there.  After all, I’m sure they are none too happy to see all the ex-pats moving there and taking all of their money with them.  Does our shared currency give them a certain amount of clout……….?   This all gives a little pause for our future considerations – any thoughts on that?

My reply:  Most readers have the opposite concern…. Ecuador was left out of the Andean Free Trade Agreement. They feel he is too close to Venezuela and to anti American.  Please see the April 07, 2011 Voice of American article entitled  “US Expels Ecuadorian Envoy in WikiLeaks Affair”.

This article says: “The United States on Thursday expelled Ecuador’s ambassador to Washington in another step in a diplomatic dispute spurred by a leaked U.S. State Department cable.  Ecuador expelled the U.S. envoy to Quito earlier this week.  

“The State Department says it has ordered Ecuadorian Ambassador Luis Gallegos to leave the country as soon as possible in the latest diplomatic fallout from the WikiLeaks  disclosure of classified U.S. diplomatic cables.

“The action follows Ecuador’s expulsion on Tuesday of U.S. ambassador Heather Hodges over the contents of an alleged U.S. State Department document released by the activist website.

“Since last year, the State Department has refused to discuss the contents of the thousands of classified cables published by WikiLeaks .

“But the Spanish newspaper El Pais, which reported on the document on Ecuador, said that in it, U.S. envoy Hodges accused the country’s now-retired national police chief of corruption and suggested that Ecuadorian President Rafael Correa was aware of his crimes.

“State Department Acting Deputy Spokesman Mark Toner told reporters that Ecuador’s “unjustified” action against Ambassador Hodges left the United States with no option but to reciprocate.

“We’re interested in a positive relationship with Ecuador, but the regrettable and unwarranted decision to declare Ambassador Hodges persona non grata is going to be taken into account as we move forward in the relationship,” he said,

“Toner said the United States has also suspended plans for a high-level dialogue with Ecuador in June that had been agreed to during a visit to Quito by Secretary of State Hillary Clinton last year.

“The United States has had a difficult relationship with Ecuador’s left-leaning President Correa, who in 2009 ended a deal under which U.S. surveillance planes used an Ecuadorian air base for anti-drug operations.”

Another long term reader of more than 20 years who started coming to Ecuador earlier on sent this note:  Dear Gary and Merri,  we are still around, albeit traveling less because of age. No need to remark on your earlier reader’s comments of being two years without Resident Visa. The situation, boiled down to its most simplistic, is that regardless of which way you approach the Visa, you must spend 21 of the first 24 months in Ecuador.  

We have resigned ourselves to coming and going with Tourist Visas (90 days per year) and a 12-IX Visas (up to 180 days per year), juggling our visits to Ecuador to fit the above limitations. It is not ideal, but acceptable.

Now (as of last October), they have complicated matters. When you arrive with a 12-IX Visa, duly processed in the U.S., you must check in with an official government agency in Ecuador within 30 days of arrival in country. You must register the papers you have, then wait to receive an order to continue the process, then take this order to a branch of Banco Internacional, pay an additional $10.00 fee,in order to be able to come to some office yet another time to get the censo ID card.

Attempting to complete the process in Quito, problems occur all along the way: The computers in the government offices offer the choice of Spanish or English, but are not yet programmed to actually present the material in English. I had to complete ours at home with screens open on both the government site and Google Translate.

You must provide an email address and password. Unfortunately, their computers do not have an “@” key for your username; you must use the ALT key and tap in the numbers 6 and 4 on the keypad to produce the “@” symbol. Such directions are NOT provided- we lucked out because a woman next to me heard me swearing at the computer, took pity on me, and told me how to do it.

Filling out the form, when asked for the country of origin and country of residence, for US people you will run into trouble because: 1) United States is not offered as a choice on all computers; 2) estadoseunidos is a choice on SOME computers; 3) United States, estadoseunidos, united states are offered, but not necessarily in the alphabetical position they should be in. It is a mess.  If you make a mistake, the registration will not go through.

As you know, my wife is in a wheelchair. The offices are not necessarily handicapped equipped, and the entire process is inordinately fatiguing.  Life is good. Hope you are well,  our best.

My reply: How wonderful; to hear from you and know you are both well. This is really helpful information I’ll share.

There you have it… some important thoughts on visa in Ecuador and a way to sell or rent you real estate in Ecuador.  This is such a wonderful country but like all places it changes continually and has some challenges.

We are here to serve our readers in Ecuador with the Ecuador Living Club. See details here.

One other point. Other countries have their visa problems as well.

One reader recently sent me this note: Hi Gary. I have a client who needs some help and  wondering if you had any suggestions.

She migrated to the USA with her parents when she was a young girl. As a teenager in high school she had a part time job after school. 

She did not have a green card and it seemed not necessary. While on that job she was caught up in a family emergency of some kind and had to phone home twice while at work.  Her employer had her charged with theft rather than asking her to pay for the calls. He took her to court and she had to perform some public service as a result.

She subsequently applied for, and was granted, a green card. She is now married with 2 children.  She has gone back and forth to her home country several times since receiving her green card but this last time, while passing through immigration at Washington Dulles, the agent confiscated her passport and greencard citing this criminal charge from her teen years in Colorado.  She is now facing a hearing.

They are saying she will be deported permanently which would mean being separated from her 2 children and her husband. Her children are of course, USA citizens and her husband works for a mar company on a green card.

They have hired a lawyer but if the hearing goes against them she will go immediately before a judge for deportation and a lawyer will be of no help they are told.  Any suggestions?

The country in question of course is the USA.  Justice appears to be quote unequal (or perhaps it is equal in its inequality) everywhere.

Regards,

Gary

2017 Schedule

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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