Using Frequency Modulation to Survive in a Predatory World

Ancient wisdom can help us see beyond logic for retirement in a predatory world.


Ecuadorian wise men of the past had a deep understanding of nature… astronomy and sense of place as this positional structure at the entrance of Cotacachi shows.  That wisdom can help us think beyond logic when it comes to retiring from the rat race at any age… 30, 40, 50, 60 or later despite living in a predatory world.

Ecuador is a great place to retire at any age… right now.

A March 7, 2102 article entitled “Ecuador Seen as New Retirement Hot Spot” by Alina Dikik says:  The warm weather, cheap housing, and inexpensive healthcare are a draw, especially for baby boomers with eroded nest eggs and a sense of adventure.

For retirees, leaving the United States often means a more affordable way of life, including low-cost healthcare, real estate and even gasoline prices. Cherry-picking a warm weather spot can offer another perk. Some expatriate retirees also point to the social benefits that accrue when they become part of a tight knit community.

Logistics like health insurance and banking have been surprisingly easy, says Connie Pombo. The Pombos pay $85 per month for comprehensive health insurance with Nova Ecuador, a national insurer.

Pombo says most retirees prefer to simply pay out of pocket for doctor visits, which are less than $20 per appointment.

How Long Will Ecuador be a Good Place for Retirement? 

Not everything is perfect.

The article goes on to say:  Ecuador is still in the infancy stage in terms of attracting … the infrastructure is still not as strong as other places like Costa Rica.  Many Americans are not prepared for the language and the culture.

Real estate scams are common and can include hidden fees. It’s unregulated and nobody is enforcing the laws.

Ecuador has recently seen an increase in long-term home rentals, which can be a good alternative to buying, she adds. Negotiating a two or three-year lease can halve monthly payments. For example, a three-bedroom, waterfront condo can rent for $700 with a multiyear lease.

Unexpected living expenses also add up… the cost of furniture, appliances and electronics, can sell for up to three times. Western-sized clothing can be especially difficult to find… Americans tend to be a lot bigger.

The article also points out that retired expats are required by the U.S. government to pay taxes, even if residing abroad plus it says:   Crowder also cautions Americans thinking of retiring abroad to not be overly trusting. White-collar crime is becoming a concern for some retirees in Ecuador. “Gated communities have these big austere looking fronts, but a lot of crime is committed by insider jobs,” says Crowder who owns a home in Ecuador. He warns against an increasing number of expat criminals who establish trust with retirees by speaking fluent English. Expect to be bombarded with ways to part with your money from locals too.

A local attorney can help start the year-long residency process and specify which notarized documents are necessary before leaving the United States. Brushing up on Spanish and learning about the Ecuadorian language and culture is a must.

Our Ecuador Ateam services help solve three of the problems above:

#1: Provide contacts with attorneys, brokers and agents with good long term records.

#2: Provides real estate tours so you can assess property markets (now in their tenth year) on an objective basis.

#3: Help you learn Spanish with Frequency Modulation.

However Frequency Modulation is more important than helping in Ecuador and Spanish now.  FM can help in all the future…. anywhere… with any learning and thinking.

Recent messages have reviewed thoughts on the problems retirement may face in the future.  A growing and aging population is breaking down the social economic contract we call money.  Saving to retire may not be enough because the purchasing power of money in core industrial nations may fail.

Deciding where to retire is difficult because of the chaotic state in the world.

A previous message at this site said:  The mindset of the Western world is  indoctrinated on these 3 Ps…position, possession and popularity.  These concepts form the foundation of many lives and they are the precursors for stress, tension and poor health as well as financial doom.   These structural flaws in our social economic morality create a template for self slavery and potential failure.  We voluntarily become chained to our desk or jobs and are willing to even cheat (ranging from small fibs on loan applications to doctoring books to billion dollar Ponzi schemes) to gain the 3Ps.   The weakness in this framework of thought also leaves us open to fraud.

The framework of this materialistic mindset goes way beyond the creations of our personal risks as well.  The framework reaches to the very core of world’s  geo-political tensions and chaos.

This creates a predatory world and super thinking can help us survive in a predatory world.

This is not likely to change quickly.  Can we rid ourselves of poverty in our lifetimes… if ever?    Deuteronomy 15:11 suggests not when it says: There will always be poor people in the land. Therefore I command you to be openhanded toward your brothers and toward the poor and needy in your land.

In our lifetimes we”ll probably not see a perfect world… we’ll not find perfect places without poor.. without fear… without crime… without tension… and these forces create predators.

What can we do to live and retire amidst all this stress without letting it get us down?

First,  living in a calm life in a world of stress we can develop a historical perspective on the world’s problems creating by this eternal jockeying for the three Ps… possessions… position and power.

To get one perspective, let’s follow a vine of social discontent back about a hundred years to WWI as it impacts our forward thinking on where to invest… where to do business…. where to live and retire now.

This vine leads us to WWI and the Balkans.

According to Wikepedia: The causes of the military conflict, which began in central Europe in August 1914, included many intertwined factors, such as the conflicts and antagonisms of the four decades leading up to the war. Militarism, alliances, imperialism, and nationalism played major roles in the conflict as well. However, the immediate origins of the war lay in the decisions taken by statesmen and generals during the July Crisis of 1914, the spark (or casus belli) for which was the assassination of Archduke Franz Ferdinand of Austria by Gavrilo Princip, an irredentist Serb.[1] However, the crisis did not exist in a void; it came after a long series of diplomatic clashes between the Great Powers over European and colonial issues in the decade prior to 1914 which had left tensions high. In turn these diplomatic clashes can be traced to changes in the balance of power in Europe since 1870.[2].  Fundamentally the war was sparked by tensions over territory in the Balkans. Austria-Hungary competed with Serbia and Russia for territory and influence in the region and they pulled the rest of the great powers into the conflict through their various alliances and treaties. The topic of the causes of, or guilt for, the First World War is one of the most studied in all of world history. Scholars have differed significantly in their interpretations of the event.

If so, tensions in the Balkans were a driving force in social military tensions at the turn of the last century.

The Balkans include:

*  Albania
*  Bosnia and Herzegovina
*  Bulgaria
*  Croatia
*  Greece
*  Kosovo
*  Macedonia
*  Montenegro
*  Serbia

Other countries sometimes included are:

*  Moldova
*  Romania
*  Slovenia
*  Turkey

The problems remain with us today, plus according to many  WWI was the root of WWII. Winston Churchill described the treaty of Versailles, “monstrous” and “malignant.”

WWII created such tension that Harry Truman and many others were so paranoid about Communism that the Truman Doctorine evolved which led to the Korean and the Vietnam War.

The Vietnam War kick started America’s drug problem which has created such wealth that Mexican and Colombia drug lords can undermine federal authority and even create risk in places where Americans typically retire… Southern California… Arizona… South Florida.

The LA Times has a huge section in its paper entitled “The drug war at our doorstep”.

An article entitled “Mexican Drug War Brings Violence To Arizona” says: Home invasion and kidnappings are on the rise in Arizona. State authorities pin the blame on Mexican organized crime. Host Cheryl Corley speaks with Ariz. Attorney General Terry Goddard about how he hopes to address the problem.

This problem hit South Florida first. When enforcement efforts intensified in South Florida and the Caribbean, the Colombian organizations formed partnerships with the Mexico-based traffickers to transport cocaine through Mexico into the United States and spread the drug wars across the American south.

This is one vine of history in a thick foliage of reality that is so dense it creates a dark jungle that no amount of logic can penetrate.

On the subject of military political history  am reading one really fascinating book now… “Twilight Warriors”.

The Twilight Warriors, is the winner of the 2011 Samuel Eliot Morison Award for Naval Literature and looks at the final—and most brutal—battle of the Pacific war: Okinawa.

This is especially interesting to me (and many boomers) because my father was a Seabee attached to the Marines. Wounded in the invasion of Iwo Jima, he was hospitalized in Hawaii and scheduled to return to battle probably in the invasion of Japan… which would have been perilous.

During his hospitalization the Battle of Okinawa became the most expensive naval battle in American history, with almost 10,000 American casualties. Thirty ships were lost, and over 350 more were damaged, many beyond repair.   Okinawa taught President Truman a grim lesson: “any weapon,” even an atomic bomb, “was preferable to an invasion” and this perhaps was a fulcrum point in the fabric  of reality determining “to be or not to be”.   Had dad gone onto another invasion I might not have been.

Random House also reported that “Twilight Warriors”  was a History Book Club Main Selection and a Featured Alternate of the Book of the Month Club and the Military Book Club.


Read more about The Twilight Warriors


Read more about Bob Gant’s books here.

Where is it safe to go in a predatory world ? Where  will we be able to afford to live?  Where will we find peace?

The answer is not a nation or state… but is in a state of being… being more intelligent… more flexible… more intuitive wherever you go… or are led.

How can we figure out these answers?

We cannot.  Logic is a deficient tool in our universe where chaos rules along with order.  This graph from Jame’s Gleick’s book “Chaos, Making a new Science” shows how everything in our universe moves from states of order to disorder.


Mark Twain expressed this reality nicely when he said: He is now rising from affluence to poverty.

The logic of logic shows why it will not work in our quantum world.  Logic in the form of deductive reasoning concerns what follows necessarily from given premises (if a, then b).  Logic requires seeing a reliable given premise a to understand “b”. Quantum mechanics suggests that reality is too complex for our minds to see enough facts.  There is too much information to process to come up with accurate premises.

If we cannot think our way to a happy lifestyle… what can we do?

First, we can accept that everything is in perfect order and remember the importance of attitude.  Kahlil Gibran, the Lebanese poet, stresses attitude’s value nicely:  Your living is determined not so much by what life brings to you as by the attitude you bring to life; not so much by what happens to you as by the way your mind looks at what happens.

Second, we can add frequency modulation into our armory of thought processes to expand our vision when outside events are so unpredictable we cannot depend on logic.

When we think as the shamans of the Andes, we see events…fate…and our free will as being connected. The shamans call this “following the forces of nature”.

The circular thought of the shamans is sometimes difficult to grasp.  Some shamans will say something that seems it has no logic…until one day an event…act or an aha starts to make sense.

For example, their concept of fractals is that everything is part of a sacred geometry that leads us to where we should be.  They observe what they see and look for hints or clues as to where they should go from what they see.

Here is an example that has been meaningful to me.

The shamans say that any mountain near us when we grow up is our mother (Pacha Mama).  They believe that she guides us on our life’s way.

This never made much sense to me until one day when we were visiting our daughter, son in law, grandkids and my mom in Portland, Oregon, where I was born and raised.

Each day I walked out my mom’s front door (she has lived in the same house for 50 years) and enjoyed the view where I grew up.


Mt. Hood… my Pancha Mama. Something was gnawing at me…where had Mt. Hood led me? I missed that connection until…


I returned to Cotacachi and noticed the equivalent geometry. This is Mt. Cotacachi that one can see each day from Cotacachi.

This did not hit me fully until we took my mom to a favorite beach of ours that is our historical escape on Oregon’s coast.  I took this photo  as I looked down the beach.

This made me think even more about where I had been led.

Mt. Hood and this coastal view were a big part of my youthful formation… pictures I saw as I grew.


Then I realized how similar this geometry is to our beach escape in San Clemente, Ecuador.

Cotacachi fractals

Our life in Ecuador in the US and I suspect anywhere we would find ourselves is filled with abundance.  Did the sacred geometry beginning with a bullet shot by Gavrilo Princip in Serajevo  lead me to Cotacachi and San Clemente?   Did these same patterns return us to the USA and bring our involvement in agriculture?

Did we make our decisions to live in these wonderful places because of some impression beyond logic…some deeper message given long ago?

I don’t know the answers to these questions, but do know that the biggest joys in our lives have all come from using frequency modulation to make decisions that are beyond logic.


2015 Schedule

2015 Schedule

Schedule 2015  Seminars and Courses

We conduct our Investment seminar at Jefferson Landing in Jefferson North Carolina.

Join Merri and me for all the courses and seminars that we’ll conduct to help you gain positive solutions to your economic, financial and lifestyle concerns.

Here is the courses we currently have scheduled in 2015. 

Never Run Out of Money

Join Merri and me for our October 17-18 Quantum Wealth Seminar.

The seminar goes beyond just finding value investments.  The seminar will review inflation of major life items since 1942.  See how the price of gold and silver shows why food costs will rise even more and how investing in a portfolio of strong multinational good value companies can create strong profits.

See how to gain profits on currency distortions.  For example at the 2012 October seminar  it became obvious that the Japanese yen was overvalued.

That led me to post a note at this site “Multi Currency Sandwich” suggesting shorting the Japanese yen and investing the loan in dollars and euro.

What a ride!  The dollar appreciated over 12% versus the yen in one quarter. This rise was far higher than the skyrocketing Dow Jones Industrial average (red line in chart below).

Those who learned how to borrow yen and invest in the Dow Jones industrial average… earned both the 9.5% and 12% profit or 21.5%… in three months.

yen dollar chart

US dollar versus yen and comparison to Dow Jones Industrial average chart from  Click on chart to to enlarge.

That yen loan is not safe at this time.  At the seminar we will look at the risk reward scenarios for numerous currencies to see which is likely to bring the greatest profit next.  More importantly you learn how to continually monitor currency values after the seminar.

We conduct the seminar in October because September and October are important months to our wealth.

These months (September and October) also pose the greatest risk to our wealth.

A study by Michael Keppler shows that most profits in most major equity markets, is achieved from the beginning of November through the end of May.

Michael wrote: “Gary, We have done extensive research on seasonality and I am proud to announce that a shortened version of a major study which I have coauthored with our Director of Research, Dr. Xing Hong Xue, will be published in the Winter Issue of the Journal of Investing.  Our research shows that basically in all major equity markets, nearly all returns are achieved from the beginning of November through the end of May.  All the best to you and Merri.  Michael

Michael showed that over 30 Years, the Dow grew 8.16% overall.

There was 8.36% growth in the months November through April.  There was 0.37 growth in the months May  to October.  $100 invested in the Dow grew to $848 overall over the 3o years.
$100 invested in the Dow grew to $1,067 if it were invested only in the months of November through April.  $100 invested in the Dow dropped to $79 if it were invested only in the months of May to October.

Historically the worst months for stock markets are September and October.   This week, the best chances for equity losses this year, have just begun.  Think risk aversion now and think ahead for profit making in November.

We’ll be joined by our guest speaker, Michael Keppler.  Michael is one of the world’s foremost equity mathematical and statistical analyst.  Between us, we have almost 100 years of equity research experience.  He will speak about time, asset allocation and how to determine good value markets.

Learn how to protect and increase your savings and wealth with easy to start, very slow trading, safe and secure, worry and stress free portfolios that provide proven long term profit potential.  Avoid the ups and downs that stock markets will see in the months ahead.

As a run up to my 50th year of speaking and writing about savings and investments around the world I asked my mathematical and tax genius friends to share a weekend with us to cut through the fog of rapid change and show us ways to invest better than hedge fund managers.

Hedge Funds were the fashionable place to invest in the 1990s, but since then their performance has been falling.

However some hedge fund managers succeeded for one simple reason… experience.  A Telegraph article “How can we avoid the next financial crisis?  Urgently listen to those who foresaw this one” explains why  a few managers succeeded, when it was said:  It’s no coincidence that the biggest winners of the downturn – John Paulson, Paolo Pellegrini and Jeffrey Greene – were approaching 50 years of age. They retained vivid memories of past real-estate problems.  Youth was a detriment to pulling off the greatest trade ever and preparing for the downturn.  

The successful hedge fund investors succeeded where most failed because of their experience.

I’ll provide the 50 years of experience at the seminar.  I have been through the rise of gold to over 800 an ounce (in the 1970s) and silver to $48.  I experienced the stock market’s bear that began in 1968, the Black Monday crash in 1987 when the Dow had its biggest one day drop ever and the dotcom bubble as well as the collapse in 2008.  I worked my way through the first dollar devaluation in 1971, the Plaza Accord arranged dollar collapse and two major downturns in the Japanese yen, plus invested through the 1970s, 1980s and late 2000 recessions.

We’ll share how these experiences prepare us for our investments now.

Michael Keppler provides the Math.

The idea of using math to find good value equity investments led me to ask mathematical analyst, Michael Keppler, to join us in the Blue Ridge for the seminar.

Fwd: keppler

Michael is a brilliant mathematician.  We have tracked his analysis for over 20 years.   He continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  He compares each stock market’s history.  From this, he develops his Good Value Stock Market Strategy.  His analysis is rational, mathematical and does not cause worry about short term ups and downs.

Red Lining Your Investments

According to Keppler’s analyses, an equally-weighted combination of good value markets offers the highest expectation of long-term risk-adjusted performance.  His mathematical predictions have been eerily accurate as the red line below shows.

Each quarter Michael shares with me (and other professional investors) his “Total Return Predictions”.

Screen Shot 2015-07-16 at 7.23.02 PM

Click on chart to enlarge.

This chart shows the entire real-time forecasting history of Keppler for the KAM Equally-Weighted World Index, he started in 1993.  Keppler continually shows what his mathematical formulas predict for markets four years ahead.  These numbers are based on mathematical relationships between price and value over the previous 15 years moving forward in monthly increments.  In this way Keppler uses numbers to continually adjust to the ever-changing market norm.

Keppler’s chart includes two remarkable episodes.  The first in the period when global equity markets peaked and crashed over a five-year period from 1997  to 2001.  Keppler’s Equally-Weighted World Index predictions stayed above the upper forecast band and accurately predicted the recovery and how much global markets would rise.

The second remarkable period started in October 2008, when again Keppler’s forecasts accurately showed where markets would reach as they fell below the lower forecast band.

Imagine the extra profit professional investors have today when they invested in these depressed good value markets before they again rose.

Keppler’s projections now indicate that global markets are expected to rise from between 2.1%  and 13.0 % in the next three to five years.

Learn about Keppler’s projections and about Asset Allocation from Michael Keppler in person at our Value Investing Seminar October 17 & 18 in Jefferson, North Carolina.  

jefferson Landing

Our October seminar will be at the Jefferson Landing Country Club.

Enjoy the autumn leaf change and learn how to survive and prosper with value investments.

garyascott- leaf - change

Jefferson leaf change view.

Learn amazing tax benefits as well.  I have invited my tax expert, Conrad Oertwig, to join us.  

Seven of tax secrets that Conrad will share include:

* How Dutch-treat entertainment allows you to deduct your own meals.

* How to entertain for business and help the charity of your choice because a charity sporting event produces double the deduction of a business meal.

* How one magic word can allow you to deduct your daily transportation costs between your home and another work location.

* How to earn an extra $11,425  by using antiques as office equipment.

* How to gain $12,976 by using two vehicles for business.

* How to reduce tax by having a second office in the home.

* How to travel by cruise ship and deduct up to $680 a day.

Plucking common sense from the tax law is time consuming and difficult work.  For more than 25 years, Conrad has gained great satisfaction by helping his clients extract tax dollars from the tax law.  He has over 400 tax savings tips and will share some of  the most important lessons at the seminar.

To help you get an early start on tax savings, I will send you Conrad’s report “7 Secrets to Paying Less Tax… for the One-Owner Business” when you enroll in the seminar.  I’ll also send you “The Silver Dip 2015” as soon as it is released.

Join Michael Keppler, Conrad Oertwig, Merri, and me, plus video presentations by Leslie Share, Eric Roseman, Thomas Fischer and Richard Smith.   The “Value Investing Seminar” looks at how to protect purchasing power and pensions with value investing.  The course teaches how to add safety and create profits by spotting multi currency and global equity cycles through good value mathematics.

Get “7 Secrets to Paying Less Tax & The Silver Dip 2015”.  Join us Saturday, Sunday, October 17-18, 2015, Jefferson, North Carolina.  Enroll here $499. Couple $799.

Hear from other speakers via video.  The seminar will include online presentations including:

One way to protect our wealth and freedom is to have a good attorney who understands how to use appropriate planning so you can also be protected rather than hurt by the tax laws.

Leslie Share:  How to use and benefit from US tax law living overseas and for wealth preservation.


Leslie has been our friend and adviser of more than 30 years, and I have asked him to speak to the seminar online at the October Value Investing seminar.  Leslie is an attorney in Coral Gables, Florida who specializes in general, corporate and international taxation, estate and gift tax planning, internal revenue service matters at the agent and appeals level plus most important, he specializes in wealth preservation.

He has the highest possible Peer Review Rating by Martindale-Hubbell, Florida Super Lawyers and The Best Lawyers in America.

Leslie is the type of attorney who can help gain asset and wealth protection if you live in the US or abroad.

The best way for boomers to protect their wealth is with good value income producing shares.  Not everyone can wait for their assets to grow.  Many need investments that create income now.

Eric Roseman: How to select good value income producing shares.

erci roseman

Eric Roseman

I have worked with Eric for decades and use his ability to select good value income producing shares.  Understanding the intrinsic value of any equity is an elusive concept, but one of the best ways to assess value is by looking at the income it generates.  Eric is a master at sniffing out the shares that provide a good income now as well as potential appreciation later.  Learn from his strategic ideas for current market conditions.

Richard Smith: How to overcome the behavior gap with Trailing Stops.

Dr. Richard Smith, founder and CEO of TradeStops.  Richard earned a PhD in Math and Systems Science, and even he had to learn the hard way that it takes more than intelligence to win in the game of investing.  He has spent the last 10 years researching and developing algorithms and services that give individual investors the tools they need to remain in their personal investing comfort zone, and to succeed!  With his background in mathematical theories of uncertainty combined with his own investing and trading experience, Dr. Smith understands risk management and how to use it as a self-directed investor to master the market.

Finally at the seminar I’ll review the 50 Golden Rules of Investing.  Learn how to protect against shady investment advice, unreasonable and hidden fees.  Learn how to protect yourself from your own emotions.  Learn when it is best to buy shares and determine which type of share is best for you.  Find out how to avoid the loss fear syndrome and stop getting caught by great sounding stories that can rob your wealth.

In 1986 I wrote  a report called the Silver Dip that showed how to borrow 12,000 British pounds (US$18,600) and use the loan to buy 3835 ounces of silver at around US$4.85 an ounce.

Silver had crashed in 1986, I mean really crashed, from $48 per ounce.   As prices decreased from early 1983 into 1986, total supply had fallen to  449.7 million ounces in 1986.  Mine production was restricted by the low prices at this time, with silver reaching a low for this period of $4.85 in May 1986. Secondary recovery also was constricted by these low prices.

Then silver’s price skyrocketed to over $11 an ounce within a year. The 12,000 pound loan purchased silver that rose to be worth $42,185.

The loan was in pounds and in May 1986 the dollar pound rate was 1.55 dollars per pound.  So the 12,000 pound loan had purchased $18,600 of silver.  The pound then crashed to  1.40 dollars per silver.  The loan could be paid off  for  $13,285 immediately creating a $5,314 profit.  So the profit grew to $47,499 in just a year.

This is why the “Silver Dip 2015” will be one of the seven portfolios, the most speculative, we will study at our October 17-18 Investment Seminar in Jefferson, North Carolina..

This is also why I am releasing a new “Silver Dip 2015” report.  The same conditions are in place for gold and the Silver Dip looks at both speculations in silver and gold.

There is also another, much safer, once every 30 year opportunity that I have described in 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 good value investments.  The mathematics behind the idea of this investment strategy are currently extraordinary.  Currency diversification has always been important for safety, but right now a multi- currency opportunity is brewing and has more profit potential than we have seen in over three decades.

Our Investing Seminars started 32 years ago when one of the best set of three currency and equity conditions ever existed.  Over these decades, our semi annual seminars have updated what’s going on in global investment markets and what to do.  Yet in all those years, few times have conditions offered as much long term opportunity as in 1982.   The Dow alone rose from 1,000 to 14,000 in that period.

Then the cycle ended.  Warren Buffet 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!

Now three of the great economic conditions have returned.

Conditions have come together just as we saw at our first seminars in the 1980s.  The US dollar, the US stock market and the price of oil are acting almost exactly as they did in the early 1980s.  Knowing these conditions and why they have merged and what to do about them can help you create a fortune.

Learn how to gain this potential (we’ll review three ways to accomplish this at the seminar) in the Keppler Good Value Country Strategy with ETFs  (Country Index Exchange Traded Funds).  For example there are currently ten good value developed markets, Australia, Austria, France, Germany, Hong Kong, Italy, Japan, Norway, Singapore and the United Kingdom.  You can easily create a diversified portfolio in each or all of these ten countries with Country Index ETFs.

We review Country Index ETFs at the seminar and look at specific portfolios you can create to tap into these three economic conditions.

Share my 50 years of experience. Gain advice that is sterling as we head toward my golden anniversary of writing about saving, finance and investing.  Our value investing seminars are filled with valuable information but we have fun and take time to relax and socialize as well.

We look forward to joining us this October.


Saturday, Sunday, October 17-18, 2015, Jefferson, North Carolina.

Join Michael Keppler, Conrad Oertwig, Merri and me.  Enroll here $499. Couple $799.


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