The Importance of Memories

Understanding the importance of memories can help us broaden our horizons in a transformative time.

Intrepid gandt

Today I am reading  the book Intrepid by Bill White and Bob Gandt with a forward by John McCain.

This is a great book that recollects the history of the men and women who have served their nation about this ship.    This is a fit read for this time and for this age.   Today is Memorial Day as we intensify our memory for those who have died in our nation’s service, let’s remember them and their sacrifices every day… but set aside this day (or one like it if you live outside the US) as a time of special honor, emotion and gratitude.

This book is also a great read because the word Intrepid is described in the Merriam Webster Dictionary as:  characterized by resolute fearlessness, fortitude, and endurance.

History has brought us to an era of change when we need to be intrepid.

Remembering the past can help us understand change and help us be intrepid.

The West has enjoyed decades of extraordinary expansion due to the Veterans of WWII.   Yet old memories of war from the past tie us to the future we face now.

Memorial Day was originally called Decoration Day which began after the American Civil War to commemorate the fallen soldiers of the Civil War.

The power of Civil War memories taught me a lesson about how strongly the threads of history bind us to today.

Growing up as an Oregonian, the Civil War was just an idea… known only through history books and the “Red Badge of Courage” which we had to read in our high school sophomore year.   An idea without emotion attached.

Then one day I conducted a seminar in Pascagoula, Mississippi and was talking about how the US economy grew after the end of the Civil War.  One delegate jumped in with “Who the hell said it was civil and who the hell said it has ended?” After the seminar I asked the MD who had sponsored this seminar if that delegate was joking.  My education was to learn that delegates really did still feel very emotional about that conflict.  The doctor went on to add that he believed the North had been beating up the South ever since.

I found that hard to believe until I looked at the poorest states in the Union.  That was over 30 years ago.  Then I married a Georgia Peach.  Merri was born and grew up in Macon, Georgia.  Spending time there taught me new names for the Civil War… such as “War Between the States” and “The War of Northern Aggression”.


Over this ridge at our North Carolina farm and down a couple of hollows is the border with Tennessee.   Some of our neighbors fly Confederate flags… very large ones… by their house… a tradition passed down from father to son in a long memory.  They would agree with those different names.

There may be a point to their side of this memory.   Today the ten poorest states in the Union based on rank by median household income are:

South Carolina
West Virginia

That’s a long memory… but not anywhere as long as some.

We can prepare for change by reflecting memories, long and short…and try to understand how those events remain woven into our lives today.

For example, let’s look at the recent JP Morgan $2 billion (or is it $3 billion) dollar loss.  Let’s refresh our short term memory  beginning with excerpts from a 2008 CNN article entitled  “Where’s the bank bailout money?”:  NEW YORK (CNN) — Banks have launched public relations campaigns to bring in customers and soothe nerves, with ads offering “peace of mind” and other promises.

Citigroup, along with JPMorgan Chase, Wells Fargo and Bank of America got the biggest chunks of the bailout.

But what’s not public is what they are doing with the billions in federal bailout money they’ve received — the money doled out through a $700 billion rescue plan so banks could start lending again.

CNN contacted the banks that were given the biggest chunks of the bailout: Citigroup, JPMorgan Chase, Wells Fargo and Bank of America.

The latter received $15 billion as part of the federal Troubled Assets Relief Program (TARP).

Where the money went is not clear.

“We are using the TARP funds to build our capital and make every good loan that we can,” Bank of America said. The bank said it expects to release more information in its fourth quarter earning report.

Citigroup, JPMorgan Chase and Wells Fargo each received $25 billion — the largest amount given to any bank.

Then a  January 21, 2011 Time Magazine article entitled “Big Bad Bankers” brought us up to date. Here is an excerpt: Banks are back.  JPMorgan Chase recently announced that it earned $4.8 billion in the fourth quarter of 2010, nearly 50% over the previous year.

There is nothing inherently wrong with large banks making large profits. Yet the news from Wall Street is attracting the ire of Main Street, which continues to struggle.

While everyone else struggles, banks have been in a privileged position, benefiting from interest rates on short-term interbank loans (the mother’s milk of all banking transactions) of nearly zero and long-term rates above 3% plus fees.  Because a functioning banking system is as essential to modern society as power plants and water, banks have been given every advantage by government.

I was able to see something like the JP Morgan’s fiasco coming because I recall this phenomenon well.  I did not know specifically that JP Morgan would be the one… but what history suggested was that some bank who felt it would not be allowed to go out of business and was paying huge bonuses to its staff would really… really screw up.    According to the news, losses of $2 billion could grow to three and even more.  The Wall Street Journal reported that JPMorgan may lose $5 billion on its derivative business.

That recollection was of banking trends in the 1980s.  Back then, the US was coming off a recession and the Fed was increasing liquidity and lowering interest rates just as they have been these last several years.

One of my readers… a real estate developer… went bankrupt when his lender jerked his line of credit. One investor or another claimed fraud and the poor developer ended up in criminal court. His defense lawyer called me as an expert witness.

I remember that Federal prosecutor.  He did not like me at all… especially because I refused the defense attorney’s offer of pay. When he asked why… he suggested that the defense had put me up to this.

“Not true,” I replied. “I actually like to see justice”.  The big banks were making all the bucks and the small developer was going down the drain. Then the system was blaming some little guy while the fat cats laughed in their country clubs. I did not like it then when bankers were using my tax dollars and my bank deposits to enrich themselves while they let the overall economic system down. I do not like it now either.

The reason banks were not making loans then and now is simple.  The Fed is supplying the banks with reserves at a near-zero rate.  Not much of this money is loaned to business or homeowners, because the banks can buy Treasury bonds that pay 3% to 4%.  They borrow from the government at zero and invest the loan with the government for 3%. Wow, anyone could make money with that sort of deal!

Or worse.  Why should bankers who are rewarded with performance bonuses pass Federal money on to borrowers when the banks can speculate instead and pump up their profits…  and bonuses and make fortunes?

Here are short term memories we can reflect on about JP Morgan’s billions lost.  According to numerous news reports the CEO of JP Morgan Chase Jamie Dimon took home $23 million last year.

Ina Drew who was in charge of the specific risk at JP Morgan Chase that created the billions lost earned $14 million last year.

Yet it is the nature of the income that creates the problem.  For example according to numerous news reports, Drew’s base salary was a mere $750,000.  Much of the balance of the extra $13,250,000 came in the form of cash bonuses and stock options.

The trader who was in charge of the JP Morgan team which actually placed these losing bets in London, Bruno Michel Iksil, is said to be one of the highest paid bankers in London… again because of bonuses.

JP Morgan thanks in part to the 25 billion provided by US taxpayers and the global economic recovery earned well in 2010 and paid 26,000 bankers worldwide a pay and bonus pot of around 8.7 billion in 2011, or $334,000 each.

The London Independent newspaper cited an unnamed senior JPMorgan banker as saying that Iksil’s actions were “bloody annoying” and said that it is “probably quite likely” that the 2012 bonus pool will be halved.

Long term memories show us repeatedly that human nature is such that money distorts society for the benefit of a few at the expense of many.

We can blend these short term with the longer term to spot the past weaving its way into our future.  For example we can see how the banking  problems in the 1930s are connected to banking imbalances now.

The 1930s Depression led to the creation of the Federal Housing Administration. The FHA helped create fixed rate mortgages by insuring them.

Then Fannie Mae created the first liquid secondary market in these mortgages and thereby freed the loans so lenders could make more loans.

Along with the 1970s recession came Ginnie Mae,  another full faith and credit of the United States opportunity.  Plus the US federal government authorized Fannie Mae to purchase private mortgages, and added  Freddie Mac, to perform a similar role to Fannie Mae to help serialize private mortgages.

After the 1980s recession, Fannie Mae issued its first mortgage pass-through, called a mortgage-backed security and shortly after Freddie Mac issued the first collateralized mortgage obligation.

The government also passed the Secondary Mortgage Market Enhancement Act (SMMEA) to improve the marketability of private label pass-throughs so they could be legal investments equivalent to Treasury securities and other federal government bonds for federally-charted banks.

In other words, the US government has again and again thrown liquidity into every economic downturn.  Now with its huge debt… huge and growing trillion dollar deficits and other obligations added to the European crisis, one has to ask how much do we have in reserve?

Have modern leaders left the current economy in a position to recover without another major cleansing?   Will Western governments find a solution… again?

No one… no economist… no banker or investment manager…  no bureaucrat or politician can guarantee the future.  Therefore we cannot not rely on the government to look after us.

However we should not despair.  We can (and should) look after ourselves and each other through service.  Economic history since before WWI has been suggesting that we’ll see a crash in 2011 and perhaps 2012, but then will come to the light at the end of the tunnel.

This is a really important historical fact to consider.  Our challenge at this time is not to rearrange our lives for doom and gloom but to broaden our horizons so that we are ready to launch into the next even brighter future.

This is why we need to be intrepid now.

trading economic chart

This chart from (linked below) shows the connection between periods of zero or negative US economic growth and passage of these various government agencies and regulations to make it easier for the Fed to put money into the financial system.

In each case this did not resolve the problem.   Instead new ideas… new technology and new social pacts created wave after wave of growth.

All the memories we can view suggest this will happen again.  What will the technology be?  What countries will lead the way?

I do not know.

I do know history suggests that those who are intrepid and approach the era ahead with resolute fearlessness, fortitude, and endurance are those who will benefit from the next economic cycle up the most and now is the time to become more intrepid.

Enjoy today’s holiday.  We are living in the most prosperous time known to mankind through the valiant efforts of those who have sacrificed so much.  It is with great gratitude that we look forward to sharing an intrepid future with you.


2017 Schedule

The Huge 2018 Risk

Here is a huge risk that could explode in 2018.

I hope I am wrong.

According to, as of October 31, 2017 the cost of interest on  the total US public debt of $20,467,375,664,755.32 (20 trillion+) was $24,411,569,716.36 (24 billion+).

The 36 cents isn’t much of a problem.  The other 20 trillion is.

This is good news and bad… the rock and the hard spot.  The bad news is that the rock (US federal debt) is getting bigger….harder to miss.  The Congressional Budget Office (CBO) projected in 2010 (the debt then was a bit over 14 trillion) that, under law at that time, debt held by the public would exceed $16 trillion by 2020, reaching nearly 70 percent of GDP.

They sure goofed on that.  Here we are… not quite into 2018 and debt has shot past 20 trillion.

How could the CBO be so wrong? 

The CBO screwed up because they could never imagine that the Fed would push interest rates so low… and keep them there.  The interest rates are so low that the government can borrow and borrow and still afford the interest.

For example, US Federal government interest this year will amount to around $483 billion on the 20 trillion of debt.  Yet in 2008 on debt of only $9,229,172,659,218.31 (9 trillion +) the interest that year was $451,154,049,950.63 (451 billion +).

Interest payments in 2017 are 7% higher than they were in 2008.  Yet the debt is over 100% higher.  

Very low interest rates have helped the government borrow.  Low interest has also helped the US stocks reach all time high prices.

Here is the very hard spot.  The downside is that low interest has reduced earnings of investors.  Low interest has ruined the lifestyles of many who have retired.

Here is what happened and why the problem may exist for quite a bit longer.

If investors can increase the interest rate to 6% from the lousy 1% (or so) they earn now, they gain 1,263% more over 30 years.  Anyone living off interest, who is drawing down their portfolio over 20 years, makes 57% more annual income every year.

But if investors get 6% interest instead of 1%, the government has to also pay more on it debt.

The government will resist raising rates because it will ruin their budget, cause a collapse of the stock markets and destroy the US dollar.  

Rising interest rates, that we would like to see as investors, will create an almost unimaginable debt crisis.  If government interest goes to 6% it is like the $20+ trillion national debt  rising to 100 trillion!  Unless there are some huge tax increases, a 5% increase in interest rates would increase the national debt by five times.

A tax increase?  The current tax act being proposed reduces, not increases, revenue.

This is not a theoretical problem for the future. This is not something that our children and grandchildren will have to deal with.  This is a problem in the here and now.

Interest rates create a massive problem on two sides of the same coin.  Raise rates the massive national debts ruins the purchasing power of currencies.  Keep interest rates low and capitalism does not work for investors.  Politicians simply borrow more (on our behalf) but for their benefit.

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.

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 we can be of help through 2018.

The first fact behind this secret is that things are really good in the western world.  Despite 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 through 2018 and beyond.

A falling US dollar is one of the greatest risks we have to our independence, safety, health, and wealth, but also brings a window of 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.

The double shock of money fleeing Wall Street and US debt skyrocketing, will destroy the purchasing power of the greenback.

Go to the store even now.  Statistics say inflation is low, but 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.

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?

Gain a better, freer life is to combine better health, higher income and greater savings for a happier, more resilient lifestyle. 

Merri and I will celebrate our 50th year of global 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:  Global micro business income.

#2:  Low cost, natural health.

#3:  Safer, more profitable, investments that take little time or cost to buy and hold… so you can focus on earning more instead

Many readers use our services for just one of these three benefits.  They focus only on health or on earning more or on better, easier investing.

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.

Join us for all of 2018 NOW.

The three disciplines, earning, health 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 natural health reports are about:

#1: Nutrition

#2: Purification

#3: Exercise

Each report is available for $19.95.  However you’ll receive this free as club member and save $59.85.

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 you as a club member free.  You 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 as a club member you 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 Platinum Dip 2018” 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.

Now there is a new distortion ready to ripen in the year ahead.

These two events are a strong sign to invest in precious metals.

I prepared a special report “Platinum Dip 2018”.   The report explains the exact conditions you need to make leveraged precious metal 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 “Platinum Dip 2018” offers enormous profit potential in 2018.

The report “Platinum Dip 2018” 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 “Platinum Dip 2018”. Free

#5: The three $19.99 reports “Shamanic Natural Health”.  All three free.

#6: The $39.99 “Live Anywhere – Earn Everywhere” report. Free.

#7: A subscription to the Purposeful investing course… Plus more.

These reports, courses and programs would cost $767.78 so the 2018 membership saves $418.78, “plus more”.

What’s the “plus more”?

The International Club membership is $499, but we want to encourage our first 100 members for 2018 to join quickly so we are currently accepting discounted membership at $349. 

To encourage our first 100 members for 2018 to join quickly so we are currently accepting discounted membership at $349.

Save $418.78.  Join the International Club for $349 and receive all the above online now, plus all reports, course updates and Pi lessons through the rest of 2017 and all of 2018 at no additional fee.

Click here to become a member at the discounted rate of $349



Intrepid at

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