The Mother of All Good Fortune

Here is how to magnify the power of the mother of all good fortune.

I am one of the luckiest guys in the world because I have the Mother of all good fortune.

What more could a person ask for … growing up and living in this golden era… a wonderful wife… five healthy, independent, productive children, five beautiful grand children and a really great mom… who is still going strong!

Here is a recent shot at our Florida home of mom and Matilda our youngest granddaughter… the first and fourth of our living generations!

four generations tags:

For me, thinking of mom is extra special now and helpful in adapting to the increased rapidity of change.  This is because using logic with our thoughts is the basis of  the Western mindset.   Yet there is not much focus on how we process information to create thoughts.

Nor have many of us considered that we process information in different ways via different parts of our bodies at different times in our lives.

I have a theory about this.  If correct, knowing the idea can help us enhance our intelligence.   This is a theory pieced together from many sources…. living in Hong Kong with Chinese medicine and lore… from a Tibetan healer… from living, studying and traveling with Vedic physicians…   from friendships with numerous Western MDs and chiropractors who look at holistic health… plus years living and working with an Andean Yatchak.   Each provided pieces of of a puzzle that when put together all seem to fit.

Like many theories that have a huge impact on our lives (such as quantum physics that rule reality), there is no unification… but thinking these thoughts through may help make success one of your constants in an ever changing world.

Seven year cycles seem to have great importance in the way we process information. Jewish people (Bar Mitzvah) and Andeans (First Cutting of the Hair) and Latins all celebrate near and around age 14 for the coming of adulthood.

This piece of the puzzle appeared when Merri and I were invited to age 14 “cutting of the hair” ceremony at a sacred site in Ecuador.

Seven seems to be a pretty vital number in our reality.  Seven days in the week.  Seven original planets. Seven classical planets: Sun, Moon, Mercury, Venus, Mars, Jupiter and Saturn.

Our son-in law sent us this note about our five year old granddaughter yesterday…this thought she had about music came when the  importance of “seven” arose.  He wrote:

I was chatting with Sequoia the other day about octaves; she takes piano lessons and Teeka takes guitar lessons.

She realized that an octave is really 7 notes and we then discussed that the root of an octave also forms the ending of the previous octave.

So, 7 appears in music very clearly.   It just needed a 5 year old child to point it out!

It occurred to me from various other experiences that we shift our major energy processing to a new energy point (chakra in Vedic terms, Acupuncture point in Chinese Medicine – Laguna del Luz in the Andes)  each seven years.

For the purposes of this theory they are energy processing centers/main connectors you might say in the energy processing system (Chi meridians in Chinese medicine) in our body.  Each of these centers is connected to the spinal chord which in turn directs the energy to one of our organs and glands.

There appear to be seven main chakras each processing data for one of the major organs or glands.

The theory is that every seven years one of these chakras acts as the main energy processing center.

Each seven year period has a purpose.

The first seven years is aimed at bonding us with our mother. No other relationship is as important during this time.

At around age seven, we shift chakras to another that is aimed at bonding us with our peers of same gender. Take a batch of ten year old boys and girls to a dance and watch them each rush to opposite ends of the room. Girls are sugar, spice and everything nice. Boys…spiders, snails and puppy dog tails.

Then at 14 we shift again. Age 14-21 bonds us with peers of opposite gender. Take the same boys and girls to a dance when they are 16 and watch out. You’ll need chaperones!

Age 21 to 28 is aimed at bonding us with our mate. Even the West recognizes 21.

This goes though a cycle of nine shifts.  In Hindu astrology there are the Navagraha or “nine realms.”  In the Andes there are the nine major points in the the rivers of light.

Andean philosophy is that there are nine main energy centers in the Chakras called Rios del Luz (Rivers of Light)   At the end of around each seven years what we were doing, if done in harmony with what our body should be doing, grows pale. The way we think changes.  Time to take a Sabbatical (from the word Sabbath or Seventh).

Sabbath is the seventh day off.  Sabbatical the seventh year off.  In the Jewish Faith the Sabbatical Year, is the seventh year of the seven-year agricultural cycle called Shmita, when the land is left to lie fallow and  plowing, planting, pruning, and harvesting—is forbidden.

This theory can have profound consequences. Imagine every seven years we need to take time off and make some monumental shifts in how we think and what we do.

We have all heard of taking a sabbatical. This is the time when we leave the old cycle and rest before shifting gears and beginning anew.

We have all heard of the seven year itch. Is this the body saying, “Hey, Bud, time to shift”.

What does appear in many religions and philosophies is a major shift at age 50.

The Bible gives a clue about this in Leviticus 25:9-12 when it says.

“You shall have the trumpet sounded throughout all your land. And you shall hallow the fiftieth year and you shall proclaim liberty throughout the land to all its inhabitants. It shall be a jubilee for you: you shall return, everyone of you, to your property and everyone of you to your family. That fiftieth year shall be a jubilee for you: you shall not sow, or reap the aftergrowth, or harvest the unpruned vines. For it is a jubilee; it shall be holy to you: you shall eat only what the field itself produces.”

The Vedic and Andean philosophy is that at about this time we should leave the material aspect of our life and become more spiritual.

Life sciences from India and the Andes suggest that the first 50 years of life should take care of the material and the second 50, the spiritual.

In the Andean shamanic beliefs, the 8th cycle connects us to our souls, the 9th the infinite being.

This also ties into the Vedic idea that there are seven levels of spiritual enlightenment.

Our first seven cycles takes care of our material life. This gets us to age 50.  Then we have the age 57 to 64 of a transition before starting the seven cycles again but these second seven cycles moves us towards deeper spirituality.

We go through the process of growing up, procreating, caring for our family and then in the second series of seven go through a similar process in a spiritual journey.

I do not think that this means we should necessarily stop working at 50.  Work… Service… this is one of the eight paths to enlightenment.

However at 50 we may feel a natural  urge to beginning preparing to change our goals.  Merri and I certainly felt this and work now more for the fulfillment and whatever positive good we can create rather than the money.

Then at 64… we really can begin again… living a full life at a more spiritual level.  We can work where “Action is our goal… reward truly not our concern”… we work with reality in order rather than our bank account.

Here is an example of how we are using this theory in practical day to day business and life.  Merri and I are coming into our tenth cycle… the one that bonds us to our mother… so we should be focused more on maternal (and paternal) concepts.   One way we use this thinking is that instead of expanding our seminar and course business we decided to train teachers and help them put on courses instead.

That is just one of many examples.  Every day as we have ideas… opportunities… decisions to make… we are thinking about the maternal and paternal qualities of the universe and ask… “How can we use this part of nature in this logic?”  Having rose colored glasses that tint our logic may be something that we as humans cannot help.  But knowing the tint and why they are tinted can hone the power of our thoughts into correct logic.

This theory can have profound implications because it suggests that every seven years the way we think, our information processing system and even our thoughts change.  When we understand this we can think more clearly and come to conclusions that lead to actions that are more supported by nature.

This can also help out thinking the social economic forces that bombard us with advertising dogma suggesting that we act in unnatural ways… out of tune with our nature… being more physically active… having more… doing more in the material realm as we age.

If you have seven year itches, acting on the desires we feel may help us remain in tune with nature. Our bodies are quite miraculous and few events take place are by accident. The way we age, the way our thoughts change may do so because that is the way our lives are meant to unfold.

When you are in tune with your genuine wants, needs and desires and those desires are in tune with nature… you’ll see that you are smarter as you enhance the mother of all good fortune.


On the subject of Mothers, see two ways to give roses for this Mother’s Day.

Mother' s Day Ecuador roses

Fresh Ecuador Roses for Mother’s Day

essential oils tags:

Rose Face Gel Aromatherapy for Mom

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. 

Live Long & Prosper More

One of the most frequent questions readers ask is “How can I make my savings safer but also sufficient for life?”

“What is the time horizon of a lifetime?” I ask.  Time horizons are one of the most important elements in investing and most of us will live longer than we expect.

For example in a moment, you’ll see how this exercise is actually connected to my investing portfolio because it alters my investing timeline.

llama walk

(Gary Scott doing Andean yoga.)

Overall US life expectancy at birth was 78.8 years in 2013.  Women live longer, 76.4 years for men, 81.2 years for women.  You’ll be happy to know that those statistics don’t apply to you and me.

How most of us think about life expectancy is wrong.  That overall rate is the average of all people, young and old.  The older we are, the longer our life expectancy grows.  Right now those who are 50 years old, life expectancy is 85.6 for women and 81.6 for men.  The expectancy of a 50 year old is 5 or 6 years longer than the overall expectancy.

As we age, the expectancy gets better.  At 65 the expect age is 87.9 for women and 85.3 for guys.  At 75  there is another boost to 88.6 and 90.5 years.

This is good news and even better is the fact that a succession of six technical panels established by the Social Security Advisory Board, in 1995, 1999, 2003, 2007, 2011 2013 all stated that Social Security was assuming unrealistic mortality rate improvements.  In other words, life expectancy continues to grow.

There is a lot we can do to improve the odds of a long, active life even more.  In fact we can improve them much more.  A University of Washington publication “12 Reasons Yoga Helps Extend Lifespan” (1) shows 12 wasy that yoga extends life.

A UC San Francisco study “Lifestyle changes may lengthen telomeres that measure cell aging” (2) show that exercise, nutrition, meditation, diet, exercise, social support  and yoga can extend life even further, as much as 12 years.

This is why I practice yoga and meditate almost every day and adjust my investing to support a long, busy, lifeline.

How can we have a strategy so our savings, investments & income are sufficient for a full lifetime?

Our life expectancy can be much longer than statistics suggest. That’s really good to know but longer life expectancy is expected to worsen the shortfall in Social Security by 11 percent over the next 75 years.  What will a longer, active life due to our savings and budgets?

During nearly five decades of global investing I have noticed that some people, such as Warren Buffett, have a good value strategy that makes sure they do not lose, but increase their wealth again and again.

What is this strategy?  It is a good value strategy based on three tactics.

The first tactic is to seek safety before profit.

A research paper that studied Warren Buffett’s investing strategy was published at Yale University’s website. This research shows that the stocks he chooses are safe (with low beta and low volatility), cheap (value stocks with low price – to – book ratios), and high quality (stocks of companies that are profitable, stable, growing, and with high payout ratios).

The second tactic is to maintain staying power.  At times Buffet’s portfolio has fallen, but he has been willing and able to wait long periods for the value to reveal itself and prices to recover.

keppler asset management chart

This chart based on a 45 year portfolio study shows that holding a diversified good value portfolio (based on a  good value strategy) for 13 month’s time, increases the probability of outperformance to 70%.  However those who can hold the portfolio for five years gain a 88% probability of beating the bellwether in the market and after ten years the probability increases to 97.5%.  Time is your friend when you use a good value strategy.  The longer you can hold onto a well balanced good value portfolio the better the odds of outstanding success.

The Buffett strategy integrates time and value for safety and profit.

A third, limited leveraging, tactic in the strategy boosts profit.  Buffett leverages his portfolio at a ratio of approximately 1.6 to 1.   The Yale published research paper shows the leveraging methods used by Warren Buffett to amass his $50 billion fortune.  The researchers found that the returns from Buffett’s investment company, Berkshire Hathaway, far outweighed those achieved by any rival that has operated for 30 years or more.  The research shows that neither luck nor magic are involved.  Instead, the paper shows that Buffet’s success hinges on using leverage at the rate of 1.6.

This rate of expansion by the way is called the “Golden Ratio” and it is a mathematical formula that controls the growth of most natural things; trees, the shape of leaves, the spiral of shells, as well as the way economies and societies grow.

To sum up the strategy, Buffet uses Golden Ratio to make large purchases of “cheap, safe, quality stocks”.  He uses limits leverage so he can hold on for very long periods of time, surviving rough periods where others might have been forced into a fire sale or a career shift.

The study found that Buffett applies a leverage of about 1.6 to 1, boosting both his risk and excess return in that proportion.  He uses the Golden Mean in his borrowing, not too little, not too much.

Thus his many accomplishments include having the conviction, wherewithal, and skill to operate with leverage and significant risk over many decades.

Learn how to use this type of three point strategy with the Purposeful investing Course (Pi).  This course is based on my 50 (almost) years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Pi reveals investing secrets and the sciences that make investing easy, safer, less time consuming and increases the chances of profit.

One secret is to invest with a purpose beyond the cash.  When we invest with purpose, doing what we love, we do better and we joyfully put in more energy, time and care.  This is nature’s irony.  If we chase just the money, human nature tends to make it run away.   If we pursue our passion and work with more than concern for the cash, the wealth can’t resist us.   This is the purpose behind, “Purposeful investing”.

Slow, Worry Free, Good Value Investing

Stress, worry and fear are three of an investor’s worst enemies.  These are major foundations of the Behavior Gap, a trait exhibited by most investors, that causes them to underperform any market they choose.  The behavior gap is created by natural human responses to fear.  The losses created by this gap grow when investors trade short term under stress.  More about the gap in a moment.

Learn how to create profitable strategies that combine good value investments with unique, personal goals.

Spanning the Behavior Gap

Behavior gaps are among the biggest reasons why so many investors fail.  Human evolution makes fear the second most powerful motivator.  (Greed is the third.)  Fear creates investment losses due to behavior gaps.  Fear motivates us more strongly than desire. By nature investors are risk adverse, when they should embrace risk.  Purpose is the most powerful motivator,  stronger than fear and greed.  One powerful way to overcome the behavior gap is to invest with a purpose.

Combine your needs and capabilities with the secrets and the math through the Pifolio – The Pi Model Portfolio

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 is based entirely on good math.

The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets using my (almost) 50 years of global experience and my study of the analysis of four mathematical investing geniuses (and friends): Michael Keppler, Eric Roseman, Thomas Fischer (for currency positions) and Richard Smith, PhD (for trailing stop alerts).

The Pifolio analysis begins with Keppler who 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 major stock market’s history.

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.   To invest according to the Country Selection Strategy, it is necessary to construct diversified, risk-controlled, representative country portfolios in every BUY rated country, weighting each country approximately equally in the overall portfolio.  It is not appropriate or enough to instruct a stockbroker to simply select stocks in the BUY rated countries.

To achieve this goal of diversification the Pifolio consists of Country Index ETFs that are similar to index mutual fund but are shares normally traded on a major stock exchange that tracks an index of shares in a specific country. ETFs do not try to beat the index they represent. The management is passive and tries to emulate the performance of the index.

A country ETF provides diversification into a basket of equities in the country covered.  The expense ratios for most ETFs are lower than those of the average mutual fund as well so such ETFs provide diversification and cost efficiency.

This is an easy, simple and effective approach to zeroing in on value because little management and guesswork is required.  You are investing in a diversified portfolio of good value indices.  A BUY rating for an index does NOT imply that any stock in that country is an attractive investment, so you do not have to pick and choose shares.  You can invest in the index which is like investing in all the shares in the index.  All you have to do is invest in an ETF that in turn invests passively in all the shares of the index.

Pi adds my fifty years of experience and brings insights to numerous long term cycles that are part of the universal math that affects all investments.

For example 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!

I did well then, but always thought, “I should have invested more!”  Now those circumstances have come together and I am investing in them again.

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.

The two conditions are in place again!  There are currently ten good value non US developed markets,  plus 10 good value emerging markets.

Pi shows how to easily create a diversified, worry free portfolio that includes each or all of these countries with Country Index ETFs.

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.  There is so much more to write and the trends are so clear that I have 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 Keppler Asset Stock Market and Asset Allocation Analysis so you can keep this as simple or as complex as you desire.

The report shows 20 good value investments and a really powerful tactic that allows you to accumulate these bargains now 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.

Research shows that most people worry about having enough money if they live long enough.  This powerful profit wave can eliminate that concern.  My experience of the 17 years in the 1980s and 90s combined with the science shared by my four friends (Keppler, Roseman, Fischer and Smith) can make the next 17 years so rich, you’ll always be rich.

You’ll receive the report “Three Currency Patterns For 50% Profits or More” free when you subscribe to Pi.


The 50 years of experience the Pi course shares also explains when leverage provides extra potential.   For example in 1986 I issued a report called The Silver Dip that showed how to borrow 12,000 British pounds (at almost 1.6 to 1 dollars per pound the loan created US$18,600) and use the loan to buy 3835 ounces of silver at around US$4.85 an ounce.

silver chart

Imagine investing in a spike like this… with leverage!

Silver had crashed, 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 $18,600 loan was now 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 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 an extra $5,314 profit.  The profit grew to $47,499 in just a year.

Conditions for the silver dip have returned.  The availability of low cost loans and silver are at an all time low.

With investors watching global stock markets bounce up and down, many missed two really important profit generating events.

The price of silver has crashed all the way from nearly $50 an ounce to below $14 an ounce as did shares of the iShares Silver ETF (SLV).  (Click on chart from  (1) to enlarge.)

At the same time the silver gold ratio hit 80, a strong sign to invest in precious metals.

I prepared a special report “Silver Dip 2015” about a leveraged silver speculation 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 gained through 30 years of speculating and investing in precious metals.  While working on the report, when the gold silver ratio slipped to 80 and the price of silver dropped below $14 an ounce, I knew I needed to share this immediately.

I released a new report “Silver Dip 2015” so readers can take advantage of these conditions and leverage 1.6 times as a speculation.

The speculation is so time sensitive with such fast profit (but also loss) potential that I will only offer it shortly.

You receive the Silver Dip 2015 FREE when you subscribe to Pi.

Save $158.95

Subscribe to the first year of The Personal investing Course (Pi). The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription.  Plus you receive the $29.95 report “Three Currency Patterns For 50% Profits or More” and the $27 report “The Silver Dip 2015” free for a total savings of $158.95.

Triple Guarantee

Enroll in Pi.   Get the first monthly issue of Pi, the first five “Golden Rules of Investing” and the report “Three Currency Patterns For 50% Profits or More” and “The Silver Dip 2015” right away.

#1:  I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through slow, worry free purposeful investing.

If you are not totally happy, simply let me know.

#2:  I guarantee to cancel your subscription and refund your subscription fee in full, no questions asked.

#3:  I guarantee you can keep the golden rules of investing and “Three Currency Patterns For 50% Profits or More” and “The Silver Dip 2105” report as my thanks for trying.

You have nothing to lose except the fear.  You have the ultimate form of financial security to gain.

Save $158.95.   Subscribe to the Pi for $197.


(1) University of Washington “12 reason yoga helps extend lifespan”

(2) UC San Francisco “Lifestyle changes may lengthen telomeres measure cell aging”




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