Don’t be a sitting duck when…

the shooting starts.

There is a way to let the upcoming US dollar crunch increase your income.  Not by raising ducks… but by not being a sitting duck.

Merri and I raise mallards (that arrive in the mail). When they mature we put them on…

our…

pond at our farm.  They love it spring… summer and…

fall.

Then the ducks leave before the cold winter arrives. They do not want to be sitting ducks when the weather turns ill.

Neither do you.

Here is the first story in the second chapter of the first book I wrote.  The book is entitled “Passport to International Profit”.  This was written in the 1970s.  But the economic concerns still apply now.

Here is what that chapter in the book said :

Having a Harbor

Doesn’t everyone dream of having some safe harbor for the ultimate escape? A completely dependable last line of defense, so that when everything else falls to pieces, one can drop back inside this cozy little shelter and enjoy a safe snug comfortable life. Certainly it is sensible to have one. In fact, to my way of thinking, anyone who doesn’t have quite a few safe harbors is not only playing a dangerous game he doesn’t have to play, he is missing one of the greatest contentment’s of life..confidence.

Duck in the Pond Theory

We would all have our own little partnership with our own little pond if we were ducks. The pond gives us water, food, shelter and peace. We, in turn, give it ducks. For what is a pond without ducks? We clean it, eat up unnecessary plants and in general keep everything in tiptop condition. However, every once in a while the hunters arrive. Very quickly the rules of the partnership change. You see, the pond as your partner has a limited range of powers. Whether it likes it or not, a new partnership is about to be imposed upon the pond. It will be forced to join in a hunter/pond partnership and part of the rules of that relationship is that the hunters can shoot at the ducks on the pond. This not only throws you, the duck, into an unrequested, unwanted hunter/hunted partnership but threatens to terminate quickly your duck/pond partnership.

It’s possible if you are not careful that you will become a diner/dinner partner on the wrong end of the fork. Logic dictates what to do in a situation like this. Since your pond partner is no longer dependable because the rules are about to be changed, you should take the initiative. Rule #1 of the Duck in the Pond Theory is in fact “Don’t be a sitting duck when the shooting starts”, so you’ve go to decide what to do.

All too often in real life, people get too upset with change to use logic. Their first reaction instead is dismay. They sit there wallowing in disappointment, shock and anger because their pond has let them down. Or even worse, they sit there looking at the gun barrels and choose to blind themselves to the reality of the situation, saying this is some sort of joke or the hunters are really looking for rabbits or the pond won’t let this happen.

Rule #2 in this theory is “be realistic”. If you don’t accept that partnerships can change daily or ignore the limitations of your partner; you are not capable of deciding when to run for your harbor. You’ll lie to yourself and probably to your partner. This gums up the whole works. You’ll mess up a fairly clean machine by adding unwanted, useless nuts and bolts which do nothing but clog everything up.

The human mind/body partnership has an almost unlimited capacity to ignore its eyeballs, to adjust reality to match its desires. This inbred flaw causes humans to ignore reality and expect the world to revolve around them. Being realistic is accepting that no person, thing or partnership is indispensable or permanent. Realism is recognizing change and accepting it when no one is able to stop it.

If, by being realistic, you recognize that as much as you love your pond and as much as the gun barrels look harmless, that the shooting is not far away, you must act. You must get off the pond. Where do you go? Rule #3 of the theory is to be sure you have another pond to go to. I call it having a positive pond factor. The more places you have to go, the more positive your pond factor.

Today we are forced into a citizen/government partnership with a government that has borrowed way more than we can repay.

This will cause the US dollar to fall and inflation to rise… eventually.

There will be the few who are prepared to gain from this. Most could become poorer… especially those with fixed income… pensions… savings in the bank or bonds in greenbacks.

Those with salaries may be protected a bit… yet with higher unemployment the risk of their losing their job will be higher as well.

In this era of great economic change… one constant we can be quite sure of  is inflation…. which hurts those on fixed income and salaries the most.

The market of big investors is acting as if they believe in inflation. On Oct. 25, 2010 the U.S. Treasury sold $10 billion of five-year TIPS at a negative yield.  This was the first time investors were willing to receive negative returns at a Treasury bond auction.

TIPS are inflation protected bonds. The interest rates are inflation adjusted.

November 4, 2010 the U.S. Treasury sold $10 billion more 10-year TIPS bonds at a record low yield of 0.409% after the previous low interest rate of 1.019% was set at a Sept. 2, 2010 auction.

This suggests that investors have confidence the Fed will win the battle against deflation, and create  inflation.

Yet there is that pesky word… eventually.

The recent US treasury auction of TIPS bonds suggests at first sight that the market expects inflation, but it also shows that the market expects deflation first.

A WSJ guest commentator wrote:  When inflation-protected Treasury bonds, or TIPS, were sold with a negative yield recently, it was widely seen as a result of rising inflation expectations. Economics Professor Jonathan Wright of Johns Hopkins University says that the negative yield means investors expect inflation will remain too low.

What does the recent TIPS auction really say about inflation expectations?

The most recent five-year TIPS auction brought a negative real yield and elicited front page stories in the New York Times and Wall Street Journal about worries of high inflation. The TIPS auction does bring troublesome news for inflation, but it is the opposite of the news reported in the coverage: if anything, the auction suggests anemic inflation, below the Fed’s target range of 1.5% to 2%.

The standard calculation of breakeven rates of inflation based on comparing nominal and real five-year yields suggests that the TIPS bond will give the investor the same return as the nominal bond if inflation over the next five years averages 1.5% per year. That’s low to start with. But in our current situation facing some risk of ongoing deflation, this standard calculation will tend to overstate anticipated inflation. TIPS have the peculiar feature that they are a one-sided bet — while the principal is adjusted upwards for inflation, it is not adjusted downwards for deflation.

This makes TIPS more attractive when there is a risk of deflation, pushing their price up and yield down. At present, adjusting for this “insurance against deflation” would lower the implied breakeven rate of inflation to even less than 1.5%.

The five ways to combat inflation are:

#1: Move where costs are lower… such as Ecuador. See today’s message about Urcuqui Ecuador where there may be extra value in Ecuador real estate.

#2: Invest in real estate.

#3: Invest in commodities.

#4: Have your own small business.

#5: Invest in equities.

However if this inflation is going to take time to rise… it is really urgent to get your strategy and timing correct.

First, do not leverage heavily.

Second, do not speculate expecting a fast turn.

Third, diversify and look for inflationary fighters that hold up during deflation.

Examples?

Instead of pure commodities… I purchased shares in a Polish mining company that produces copper and silver. The shares pay a decent income… good for deflation but also good for inflation and I get a play on the Polish zloty which may be under valued.  I also invested in high dividend hydro energy companies.

In real estate I buy fixer uppers. In deflation, costs to fix up go down… end results are better profits when inflation returns.

I focus more on investing in our own small business as it can offer services and gain during inflation and deflation.

Hope these suggestions help!
Gary

Receive a free 51 lesson course on how to build your own website when you enroll in our online course “The Tangled Webs We Weave – How to Have an Internet Business”.  Learn more about this online course here.

See how to attend an International Business Made EZ seminar and get Tangled Web now FREE.  You save $299.

Even better. Save $4,982 plus get Tangled Web online FREE now. Click here or read below.

Belong to the International Club

Join Merri and me.  Spread an epidemic of success… in health… wealth…. service to the community and personal fulfillment.   Be infected with positive purpose…. enthusiasm… fulfillment… extra income, profits and fun.

I invite you to join the International Club for 2013-2014.

As a club member you save on seminars, courses, online courses plus Spanish lessons and Ecuador tour discounts.

Join Merri and me for all the courses and seminars that we’ll conduct in 2013 and 2014 FREE.  Gain positive solutions to economic, financial and lifestyle developments.

Here are the courses you can attend at no cost.

August 31- Sept 1-2 Super Thinking Writer’s Camp West Jefferson, NC.

October 4-5-6 Super Thinking Writer’s Camp, West Jefferson, NC.

November 15-16-17 Super Thinking Writer’s Camp, Mt. Dora, Fl.

January 10-11-12, 2014 Super Thinking + Spanish, Mt. Dora, Fl.

February 14-15-16, 2014  Super Thinking Writer’s Camp, Mt. Dora Fl.

In addition members receive discounts on Ecuador farm tours and Spanish courses conducted by our Ateam Ecuador and Super Spanish teachers.  For example Super Spanish courses that are normally $699 are $175.  Ecuador real estate tours are reduced 20%.

Here is the Super Spanish teacher schedule:

June 21-22-23  Super Thinking + Spanish  St. Charles, MO  (Teacher Mark Frakes)

July 12-13-14  Super Thinking + Spanish  Kelowna, BC, Canada  (Teachers Shawn & Suzanne Bandick)

August 16-17-18  Super Thinking + Spanish  St. Charles, MO   (Teacher Mark Frakes)

September 27-28-29  Super Thinking + Spanish  St. Charles, (Teacher Mark Frakes)

October 3-5  Super Thinking + Spanish Atlantic City NJ  (Teacher Rick Brown)

November 21-22-23  Super Thinking + Spanish  Puerto Aventuras, Mexico  (Teachers Suzanne & Shawn Bandick)

We conduct our courses in the peace and quiet of  Smalltown USA.

Part of the courses we conduct are held at Jefferson Landing where we conduct seminars in West Jefferson NC

Jefferson Landing

50 delegates joined us.

The seminar in action.

Here are photos I took of Mt. Dora…

After the seminar, International Club members join us at our home to talk with the speakers.

International Club members meeting in our home after a North Carolina seminar.

There are many benefits of membership.

Most members join us for at least three courses… one investing and business, one writers camp and one Spanish course.  That alone creates a $1,198 savings. Some members attend every course plus more.

You (and a guest of your choice) can attend all of the seminars we have already set for 2013 and 2014 plus any others we decide to conduct in the year ahead FREE.

As a club member you also receive seven online reports, courses and workshops worth $1,246 FREE.

The first of these seven online courses is “Tangled Web – How to Have an Internet Business,” normally sold at $299.

The second is our online course “Self Fulfilled – How to be a Self Publisher”, which has a $299 value. I am sending you this extra course free as I think it will help you have greater success. This is an extra $299 savings.

The third is our online course “International Business Made EZ” sold at $299.

You also receive fourth the 50 minute video by our webmaster David Cross on “How to Get Your Web Business Started”.

Your fifth course is the 50+ lesson course “How to Create your Own Website Using Sitesell” by Michelle Toole. (We are proud that this course was written by a student of our courses showing how well the 43 years of knowledge that Merri and I have accumulated and put into these programs can help you start your own global micro business.)

Sixth, you become a beta member in our newest online course “Event – Full Business – How to have a Seminar and Tour Business” currently offered at $349.

When you enroll, we’ll send you a password that makes the online courses easy to access at the Club website.  You can reserve as many seminars as you desire.

Five Positive Steps

Join Merri and me as we look at positive ways to prosper during 2013 and 2014.  Here are five ways to gain from the forces of change.

#1: Having your own micro business for extra earnings, freedom, fulfillment and fun.

#2: Living and prospering in lower cost countries or small towns.

#3: Multi currency investing through US brokers and bankers abroad.

#4: Commodities that rise with inflation.

#5: Good value real estate…. especially multi dimensional and agricultural property.

We have specialized for over four decades in helping our readers excel in these five inflation beating opportunities.

The big benefits of belonging to the International Club are the power of repetition, updates and international friendships.  As a club member, you become friends with other members as you meet again and again.

Your first saving is on waived seminar fees for the seminars over the next year.

As you will see above and below you can attend Florida & North Carolina seminars.  If you attend just two of these seminars, the $1,799 membership fee will have already created a savings for you.

Yet there is more.  Much more.

International Club members meeting in West Jefferson for a reception after the North Carolina seminar.

Enough…. Enough with the Bad News.

Our mantra is BE POSITIVE in this negative world.  There is nothing as valuable as rarity but we need to remember that bad news sells. This means the mainstream media has slipped into offering information with an adrenaline rush.  Mayhem, murder and natural disasters.   These negative events will happen…. globally. We cannot do much about this.  Dwelling on insolvable negativity is not good for our health or wealth.

A recent quote from the Abraham Hicks website explains why nicely.

Continuing to tell stories of shortage only continues to contradict your desire for abundance, and you cannot have it both ways: You cannot focus upon unwanted and receive wanted. You cannot focus upon stories about money that make you feel uncomfortable and allow into your experience what makes you feel comfortable. A different story will bring different results: My thoughts are the basis for the attraction of all things that I consider to be good, which includes enough money, and health, for my comfort and joy.

Make the Years Ahead Your Best Years Ever

What we can do is make ourselves Friendlier, More Compassionate, Happier, Stronger, More Energetic with greater intellect.  The way to start is to surround ourselves with successful, friendly, compassionate, happy, stronger, smarter, positive people who think as you do.

The International Club brings together experienced, like minded souls, who take a positive view and think outside the box… in constructive, thoughtful, doable ways.

Being in the club surrounds you with successful… positive… like minded souls.  This benefit alone is truly powerful stuff!

The courses you can attend free integrate Super Thinking with business and investing ideas and experience that enhance your health and wealth.

Focus on Ecuador & Smalltown USA & Canada

Learn how to create a BIG INCOME by thinking SMALL.   At the seminars you meet speakers who are attorneys and real estate experts for both Ecuador and small town USA.   You’ll rub shoulders with experts on global investing and pensions who can help you increase and protect your savings and pensions also how to increase the income you earn in positive ways you enjoy as you help your community.

(See a list of speakers you’ll meet at the club meetings along with other club members below).

Absorb  through  Osmosis

Merri and I are in our 45th year of organizing courses, seminars and newsletters about international and Super Thinking  lifestyles. The importance of this sharing… by like minded souls… was reinforced when a delegate from a course sent an email that said:

My Dearest Merri and Gary, Thank you for your most gracious hospitality last weekend. I am just thrilled at being a part of your group. You and Gary were exactly as I imagined you to be, warm friendly, kind, considerate, genuine, helpful, fun, sincere, what else can I say……I felt so comfortable in your presence and learned so much in your course. I was sad to leave the farm that Sunday afternoon. You made us all feel so welcome and cared about. You were so kind to make arrangements for a ride with the other delegates from the Charlotte Airport. They were so nice to me and so helpful, by the time the weekend was over I felt like they were my long lost brothers. Monday morning we all had breakfast at the airport together and I was so sad to see them go, I was sad the weekend was over, perhaps sad is not the right word for how I was feeling perhaps Gratitude is a better way to describe it. Grateful for having the opportunity to share the weekend with such wonderful, like minded Human Beings, in the beautiful mountains of North Carolina. Thank you Merri and Gary.  Thanks to you I now have new hope and a new direction to move forward in my life.  I know by attending your classes and conferences that through education and due diligence I will make the right choices.

This delegate’s comments about “belonging and feeling like a brother” to the other delegates is a wonderful refrain we have heard from our readers, year after year.

24 years ago Merri and I created a way that readers can join us to be immersed in a year-long learning program through our International Club.

The ideas behind this program began all those years ago in Vienna, Austria while we were conducting a course there.  One of our older delegates, had some sort of attack. The first fear was heart trouble. Several delegates took him to the hospital.  Others stayed with him there. I don’t think that delegate was alone for a minute!

What impressed Merri and me was that no one asked the delegates to help this man.

The friendships of delegates sharing many courses had just grown so strong that it was a natural reaction, just as if a family member was ill. Fortunately, it was only travel fatigue and the delegate didn’t miss a session of the course!

When you join our International Club 2013 you become part of a special family. The very first member to join the club all those years ago wrote, Thank you for the enjoyable and informative courses. I am pleased to be part of your international family and look forward to continuing my education at the next course.

His feeling struck a familiar chord. It has always been one of my greatest satisfactions to see how much fun delegates have getting together, sharing information and making friendships as we learn how to improve our health and increase our wealth.

The courses draw like-minded souls.  For this reason some delegates come back again and again. They come to learn, but also to be with their many friends made at the courses. When like-minded souls get together again and again to discuss a common purpose, magic happens! I can’t explain it in any other way-but it is true.

In a way our meetings are almost like family reunions. Perhaps it is getting together and reflecting on what has been said and what has been happening.

Learning with those who are also interested in the world creates thoughts that multiply the value of what we gain.  This is hard to describe but results are most powerful and wonderful!  This is to me is as important as the great financial benefit of attending many of our courses.

See the 2013 seminars in detail  below.

We started and have continued the International Club for 24 years because there are wonderful benefits from having repeat delegates at courses. Having repeat delegates makes the whole course somehow more exciting for all. Being a repeat delegate makes it easier to make and keep wealth and to lock in the knowledge you gain. It’s an exciting lifestyle. We have fun, gain adventure, discovery and friendships and share ways to improve our health and wealth!

You can see from the schedule above a very busy schedule for 2013. Very few club members actually attend every seminar.  Many  attend almost all of them!  Of course we hope you be with us for all of them, but even if you attend just two of the seminars, you gain considerable savings.

Another savings: Lifestyle for Two.

We want couples! As a member of the program, you are entitled to bring another person to every single course or tour. The cost for that extra person will be ZERO! You can bring whomever you wish. Bring your spouse, a friend, son or daughter, partner, accountant, adviser. You can bring the same person each time or a different person, whomever you choose to accompany you. (Accommodations and air fares relating to the courses are not included for members, delegates or their guests.)

The International Club fee of $1,799 is less than the price of two seminars.

I invite you to be a member of the International Club which allows you and your guest of your choice to attend all of these courses and tours.

Let’s prosper in these times of change. Won’t you join us in this exciting club and share Merri’s and my lifestyle for the next year? Join us at our farms and visit Ecuador. We look forward to seeing you at as many courses as possible and sharing this wonderful world of abundance and well being with you!

Gary

You can attend all of our seminar , courses online courses and more plus $1,246 of online value.  Club membership is $1,799. 

Become an International Club  Member $1,799.

Attend as many of the courses below as you desire.

August 31- September 1-2 Super Thinking & Writers Camp at Merrily Farms, NC.

October 4-5-6 Super Thinking & Writer’s Camp West Jefferson, NC

November 15-16-17  Super Thinking & Writer’s Camp Mt. Dora, Florida

January 10-11-12, 2014 Super Thinking + Spanish  Mt. Dora, Florida

February 14-15-16, 2014  Super Thinking & Writer’s Camp  Mt. Dora, Florida

In additional Super Spanish courses will be scheduled in Canada, Mexico. and the US throughout the year.

(Dates subject to change).

Join us in 2013 – 2014 and learn how to take advantage of the fact that the Sun Always Shines Somewhere

Here is the Super Spanish teacher schedule:

June 21-22-23  Super Thinking + Spanish  St. Charles, MO  (Teacher Mark Frakes)

July 12-13-14  Super Thinking + Spanish  Kelowna, BC, Canada  (Teachers Shawn & Suzanne Bandick)

August 16-17-18  Super Thinking + Spanish  St. Charles, MO   (Teacher Mark Frakes)

September 27-28-29  Super Thinking + Spanish  St. Charles, (Teacher Mark Frakes)

October 3-5  Super Thinking + Spanish Atlantic City NJ  (Teacher Rick Brown)

November 21-22-23  Super Thinking + Spanish  Puerto Aventuras, Mexico (Teachers Suzanne & Shawn Bandick)

Yes, I want to become an International Club Member. 

Annual membership $1,799. Click  here.

Read entire  Wall Street Journal blog about TIPS auction

Here is an update on international value markets.

The global economy is in tension as the US and Western European economies battle between inflation and deflation.

Who will win out?  Will costs rise or will they fall?  Whichever way events emerge, the best way to protect against loss is by always seeking value.

Value holds a special place for investors and business people… local or global because spotting value is another way of finding distortions.  Distortions are vacuums and nature abhors a vacuum.  Imbalances will always correct themselves. To have success in investing or business… one simply has to spot good value.

Understanding value is the tricky part.

This is why once a quarter we look at a major equity market valuation analysis by Michael Keppler.

If you are a new multi currency subscriber learn about Keppler Asset Management here.

Here are Keppler’s Comments on Major Market Value for this quarter.

After the first correction since March 2009 in the second quarter 2010, Global equities have resumed their upward trend in the third quarter.

The Morgan Stanley Capital International (MSCI) World Total Return Index (with net dividends reinvested, December 1969 = 100) advanced 9.3 % in local currencies, 13.8 % in US dollars and 2.1 % in Euros.

Year to date, the MSCI World Index gained 1.6 % in local currencies, 2.6 % in US dollars and 7.8 % in Euros.

The Euro had a strong comeback in the third quarter. It soared to 1.3652 versus the US dollar, up 11.5 % from its end-of-June level but still 4.8 % shy of 1.4348 — the level at which it stood at the end of 2009.

Twenty-two markets advanced in the third quarter and two markets declined.

Hong Kong (+21.5 %), Norway  (+16.5 %) and Austria (+15.1 %) performed best.

Ireland (-13.5 %), Japan (-0.1 %) and Switzerland (+2.6 %) came in at the bottom.

Year-to-date, thirteen markets are up and eleven markets are down.

The best performing markets in the first nine months of 2010 were Denmark (+28.5 %), Hong Kong (+17.7 %) and Sweden (+17.4 %).

Greece (-35.5 %), Ireland (-19.2 %) and Spain (-10.1 %) performed worst year-to-date.

Performance numbers are in local currencies unless mentioned otherwise.

The Top Value Model Portfolio currently contains the following six “buy” rated countries at equal weights:

Austria, France, Germany, Italy, Singapore and the United Kingdom. Our current ratings suggest that a combination of these markets offers the highest expectation of long-term risk-adjusted returns.

As the chart below indicates, our implicit three-to-five-year projection for the average annual gain of the Equally-Weighted World Index now stands at 14.1 % slightly below our estimate of 14.3 % published here three months ago in our “Summer 2010 Quarterly”.

Given the 9.2 % appreciation of the Equally Weighted World Index in the third quarter, it is remarkable that our return estimates did not come down more.  The reason is fundamentals  have been improving throughout the year. Compared with their end of 2009 levels — which may have marked the bottom of the cycle — the 12-month trailing earnings and cash flows for the average equity market covered here are up 63.5 % and 24.7 %, respectively. In addition, the low interest rate environment continues to make stocks look  attractive.

Keppler also shows major markets which he believes to be least statistically likely to appreciate.

SELL CANDIDATES

Belgium

Canada

Denmark

Hong Kong

Sweden

Switzerland

U.S.A.

NEUTRALLY RATED MARKETS

Australia

Finland

Greece

Ireland

Israel

Japan

Netherlands

New Zealand

Norway

Portugal

Spain

Through good times and bad… through inflation… deflation and steady economies value rises above all.  We can never know for sure what will happen next… but we can know that when we find value our chances of a good return rise.

On the subject of value see news about real estate investing by one of the richest men in Ecuador here.

Gary

Learn about my two reports on how to find value here.

Belong to the International Club

Join Merri and me.  Spread an epidemic of success… in health… wealth…. service to the community and personal fulfillment.   Be infected with positive purpose…. enthusiasm… fulfillment… extra income, profits and fun.

I invite you to join the International Club for 2013-2014.

As a club member you save on seminars, courses, online courses plus Spanish lessons and Ecuador tour discounts.

Join Merri and me for all the courses and seminars that we’ll conduct in 2013 and 2014 FREE.  Gain positive solutions to economic, financial and lifestyle developments.

Here are the courses you can attend at no cost.

August 31- Sept 1-2 Super Thinking Writer’s Camp West Jefferson, NC.

October 4-5-6 Super Thinking Writer’s Camp, West Jefferson, NC.

November 15-16-17 Super Thinking Writer’s Camp, Mt. Dora, Fl.

January 10-11-12, 2014 Super Thinking + Spanish, Mt. Dora, Fl.

February 14-15-16, 2014  Super Thinking Writer’s Camp, Mt. Dora Fl.

In addition members receive discounts on Ecuador farm tours and Spanish courses conducted by our Ateam Ecuador and Super Spanish teachers.  For example Super Spanish courses that are normally $699 are $175.  Ecuador real estate tours are reduced 20%.

Here is the Super Spanish teacher schedule:

June 21-22-23  Super Thinking + Spanish  St. Charles, MO  (Teacher Mark Frakes)

July 12-13-14  Super Thinking + Spanish  Kelowna, BC, Canada  (Teachers Shawn & Suzanne Bandick)

August 16-17-18  Super Thinking + Spanish  St. Charles, MO   (Teacher Mark Frakes)

September 27-28-29  Super Thinking + Spanish  St. Charles, (Teacher Mark Frakes)

October 3-5  Super Thinking + Spanish Atlantic City NJ  (Teacher Rick Brown)

November 21-22-23  Super Thinking + Spanish  Puerto Aventuras, Mexico  (Teachers Suzanne & Shawn Bandick)

We conduct our courses in the peace and quiet of  Smalltown USA.

Part of the courses we conduct are held at Jefferson Landing where we conduct seminars in West Jefferson NC

Jefferson Landing

50 delegates joined us.

The seminar in action.

Here are photos I took of Mt. Dora…

After the seminar, International Club members join us at our home to talk with the speakers.

International Club members meeting in our home after a North Carolina seminar.

There are many benefits of membership.

Most members join us for at least three courses… one investing and business, one writers camp and one Spanish course.  That alone creates a $1,198 savings. Some members attend every course plus more.

You (and a guest of your choice) can attend all of the seminars we have already set for 2013 and 2014 plus any others we decide to conduct in the year ahead FREE.

As a club member you also receive seven online reports, courses and workshops worth $1,246 FREE.

The first of these seven online courses is “Tangled Web – How to Have an Internet Business,” normally sold at $299.

The second is our online course “Self Fulfilled – How to be a Self Publisher”, which has a $299 value. I am sending you this extra course free as I think it will help you have greater success. This is an extra $299 savings.

The third is our online course “International Business Made EZ” sold at $299.

You also receive fourth the 50 minute video by our webmaster David Cross on “How to Get Your Web Business Started”.

Your fifth course is the 50+ lesson course “How to Create your Own Website Using Sitesell” by Michelle Toole. (We are proud that this course was written by a student of our courses showing how well the 43 years of knowledge that Merri and I have accumulated and put into these programs can help you start your own global micro business.)

Sixth, you become a beta member in our newest online course “Event – Full Business – How to have a Seminar and Tour Business” currently offered at $349.

When you enroll, we’ll send you a password that makes the online courses easy to access at the Club website.  You can reserve as many seminars as you desire.

Five Positive Steps

Join Merri and me as we look at positive ways to prosper during 2013 and 2014.  Here are five ways to gain from the forces of change.

#1: Having your own micro business for extra earnings, freedom, fulfillment and fun.

#2: Living and prospering in lower cost countries or small towns.

#3: Multi currency investing through US brokers and bankers abroad.

#4: Commodities that rise with inflation.

#5: Good value real estate…. especially multi dimensional and agricultural property.

We have specialized for over four decades in helping our readers excel in these five inflation beating opportunities.

The big benefits of belonging to the International Club are the power of repetition, updates and international friendships.  As a club member, you become friends with other members as you meet again and again.

Your first saving is on waived seminar fees for the seminars over the next year.

As you will see above and below you can attend Florida & North Carolina seminars.  If you attend just two of these seminars, the $1,799 membership fee will have already created a savings for you.

Yet there is more.  Much more.

International Club members meeting in West Jefferson for a reception after the North Carolina seminar.

Enough…. Enough with the Bad News.

Our mantra is BE POSITIVE in this negative world.  There is nothing as valuable as rarity but we need to remember that bad news sells. This means the mainstream media has slipped into offering information with an adrenaline rush.  Mayhem, murder and natural disasters.   These negative events will happen…. globally. We cannot do much about this.  Dwelling on insolvable negativity is not good for our health or wealth.

A recent quote from the Abraham Hicks website explains why nicely.

Continuing to tell stories of shortage only continues to contradict your desire for abundance, and you cannot have it both ways: You cannot focus upon unwanted and receive wanted. You cannot focus upon stories about money that make you feel uncomfortable and allow into your experience what makes you feel comfortable. A different story will bring different results: My thoughts are the basis for the attraction of all things that I consider to be good, which includes enough money, and health, for my comfort and joy.

Make the Years Ahead Your Best Years Ever

What we can do is make ourselves Friendlier, More Compassionate, Happier, Stronger, More Energetic with greater intellect.  The way to start is to surround ourselves with successful, friendly, compassionate, happy, stronger, smarter, positive people who think as you do.

The International Club brings together experienced, like minded souls, who take a positive view and think outside the box… in constructive, thoughtful, doable ways.

Being in the club surrounds you with successful… positive… like minded souls.  This benefit alone is truly powerful stuff!

The courses you can attend free integrate Super Thinking with business and investing ideas and experience that enhance your health and wealth.

Focus on Ecuador & Smalltown USA & Canada

Learn how to create a BIG INCOME by thinking SMALL.   At the seminars you meet speakers who are attorneys and real estate experts for both Ecuador and small town USA.   You’ll rub shoulders with experts on global investing and pensions who can help you increase and protect your savings and pensions also how to increase the income you earn in positive ways you enjoy as you help your community.

(See a list of speakers you’ll meet at the club meetings along with other club members below).

Absorb  through  Osmosis

Merri and I are in our 45th year of organizing courses, seminars and newsletters about international and Super Thinking  lifestyles. The importance of this sharing… by like minded souls… was reinforced when a delegate from a course sent an email that said:

My Dearest Merri and Gary, Thank you for your most gracious hospitality last weekend. I am just thrilled at being a part of your group. You and Gary were exactly as I imagined you to be, warm friendly, kind, considerate, genuine, helpful, fun, sincere, what else can I say……I felt so comfortable in your presence and learned so much in your course. I was sad to leave the farm that Sunday afternoon. You made us all feel so welcome and cared about. You were so kind to make arrangements for a ride with the other delegates from the Charlotte Airport. They were so nice to me and so helpful, by the time the weekend was over I felt like they were my long lost brothers. Monday morning we all had breakfast at the airport together and I was so sad to see them go, I was sad the weekend was over, perhaps sad is not the right word for how I was feeling perhaps Gratitude is a better way to describe it. Grateful for having the opportunity to share the weekend with such wonderful, like minded Human Beings, in the beautiful mountains of North Carolina. Thank you Merri and Gary.  Thanks to you I now have new hope and a new direction to move forward in my life.  I know by attending your classes and conferences that through education and due diligence I will make the right choices.

This delegate’s comments about “belonging and feeling like a brother” to the other delegates is a wonderful refrain we have heard from our readers, year after year.

24 years ago Merri and I created a way that readers can join us to be immersed in a year-long learning program through our International Club.

The ideas behind this program began all those years ago in Vienna, Austria while we were conducting a course there.  One of our older delegates, had some sort of attack. The first fear was heart trouble. Several delegates took him to the hospital.  Others stayed with him there. I don’t think that delegate was alone for a minute!

What impressed Merri and me was that no one asked the delegates to help this man.

The friendships of delegates sharing many courses had just grown so strong that it was a natural reaction, just as if a family member was ill. Fortunately, it was only travel fatigue and the delegate didn’t miss a session of the course!

When you join our International Club 2013 you become part of a special family. The very first member to join the club all those years ago wrote, Thank you for the enjoyable and informative courses. I am pleased to be part of your international family and look forward to continuing my education at the next course.

His feeling struck a familiar chord. It has always been one of my greatest satisfactions to see how much fun delegates have getting together, sharing information and making friendships as we learn how to improve our health and increase our wealth.

The courses draw like-minded souls.  For this reason some delegates come back again and again. They come to learn, but also to be with their many friends made at the courses. When like-minded souls get together again and again to discuss a common purpose, magic happens! I can’t explain it in any other way-but it is true.

In a way our meetings are almost like family reunions. Perhaps it is getting together and reflecting on what has been said and what has been happening.

Learning with those who are also interested in the world creates thoughts that multiply the value of what we gain.  This is hard to describe but results are most powerful and wonderful!  This is to me is as important as the great financial benefit of attending many of our courses.

See the 2013 seminars in detail  below.

We started and have continued the International Club for 24 years because there are wonderful benefits from having repeat delegates at courses. Having repeat delegates makes the whole course somehow more exciting for all. Being a repeat delegate makes it easier to make and keep wealth and to lock in the knowledge you gain. It’s an exciting lifestyle. We have fun, gain adventure, discovery and friendships and share ways to improve our health and wealth!

You can see from the schedule above a very busy schedule for 2013. Very few club members actually attend every seminar.  Many  attend almost all of them!  Of course we hope you be with us for all of them, but even if you attend just two of the seminars, you gain considerable savings.

Another savings: Lifestyle for Two.

We want couples! As a member of the program, you are entitled to bring another person to every single course or tour. The cost for that extra person will be ZERO! You can bring whomever you wish. Bring your spouse, a friend, son or daughter, partner, accountant, adviser. You can bring the same person each time or a different person, whomever you choose to accompany you. (Accommodations and air fares relating to the courses are not included for members, delegates or their guests.)

The International Club fee of $1,799 is less than the price of two seminars.

I invite you to be a member of the International Club which allows you and your guest of your choice to attend all of these courses and tours.

Let’s prosper in these times of change. Won’t you join us in this exciting club and share Merri’s and my lifestyle for the next year? Join us at our farms and visit Ecuador. We look forward to seeing you at as many courses as possible and sharing this wonderful world of abundance and well being with you!

Gary

You can attend all of our seminar , courses online courses and more plus $1,246 of online value.  Club membership is $1,799. 

Become an International Club  Member $1,799.

Attend as many of the courses below as you desire.

August 31- September 1-2 Super Thinking & Writers Camp at Merrily Farms, NC.

October 4-5-6 Super Thinking & Writer’s Camp West Jefferson, NC

November 15-16-17  Super Thinking & Writer’s Camp Mt. Dora, Florida

January 10-11-12, 2014 Super Thinking + Spanish  Mt. Dora, Florida

February 14-15-16, 2014  Super Thinking & Writer’s Camp  Mt. Dora, Florida

In additional Super Spanish courses will be scheduled in Canada, Mexico. and the US throughout the year.

(Dates subject to change).

Join us in 2013 – 2014 and learn how to take advantage of the fact that the Sun Always Shines Somewhere

Here is the Super Spanish teacher schedule:

June 21-22-23  Super Thinking + Spanish  St. Charles, MO  (Teacher Mark Frakes)

July 12-13-14  Super Thinking + Spanish  Kelowna, BC, Canada  (Teachers Shawn & Suzanne Bandick)

August 16-17-18  Super Thinking + Spanish  St. Charles, MO   (Teacher Mark Frakes)

September 27-28-29  Super Thinking + Spanish  St. Charles, (Teacher Mark Frakes)

October 3-5  Super Thinking + Spanish Atlantic City NJ  (Teacher Rick Brown)

November 21-22-23  Super Thinking + Spanish  Puerto Aventuras, Mexico (Teachers Suzanne & Shawn Bandick)

Yes, I want to become an International Club Member. 

Annual membership $1,799. Click  here.

Here is the international investment three percent solution.

From 2005 into 2007 stock markets almost everywhere provided incredible returns. For example I work with Denmark ’s second largest bank. They are global equity experts and one of the portfolios (the Green Environment Portfolio) we created together rose 266.3% in one year. Another (The Emerging Market Portfolio) rose 114.2% in 2006 and 122.6% in 2007.

Yet in each case these portfolios also encountered gut wretching drops on their way up. That Green Portfolio for example in July 2007 dropped 103.22% in one month. The Emerging Market portfolio also moved like a yo-yo (see below).

In fact, over the last three years, despite impressive gains, there have been two periods of global market panic when almost every stock market dropped….like a stone….only to recover like a rocket ship.

The  in late 2007 we saw a huge wave of dumping shares.

This begged three questions.

#1: “Was this the big one?” Yes it was.

#2: “Will markets again recover…and when?”  They did.  In 2009 there was a huge recovery.

#3: This is an even more important question. “How can we as investors know what’s coming with at least a semblance of accuracy?”

The answer to this third question is  important because when a recovery comes, history suggests it will be sudden and dramatic.

You can see the recovery potential in the performance of the portfolios we created and tracked last year from November 2006 to October 2007. Equity markets collapsed in a month but recovered even faster. The portfolios utterly collapsed from July 20 to August 17. Then they rose between 40% and 128% in just two weeks.

If the recent stock market dive is just another short term correction, some investors will make fortunes.

We saw stocks explode up from 2003 to 2007, then crash 50% in 2008 and rise almost as much in 2009.

The gray line is the Morgan Stanley Global Stock Index… the green the performance of the State Street Global Advantage Fund.

Here are three simple facts can help you spot distortions in equity markets.

The first fact was confirmed by Alan Greenspan in his excellent book, “Age of Turbulence”.

“A major aspect of human nature-the level of human intelligence-has a great deal to do with how successful we are in gaining the sustenance for survival. As I point out at the end of this book, in economies with cutting-edge technologies, people, on average, seem unable to increase their output per hour at better than 3% percent a year over a protracted period. That is apparently the maximum rate at which human innovation can move standards of living forward. We are apparently not smarter to do better.”

That’s a huge fact. Overall we should expect the global economy to grow at about 3%.

This gives us a baseline for how much an investment should grow.

If an economy rises faster than 3%, it is distorted. During early stages of excessive growth, investors will be attracted. Shares will rise faster.

If the economy remains robust, shares become overbought. Then watch out! A correction will come.

This leads us to the second fact which is “all investments have risk”.

Rather than wasting time trying to avoid risk…which cannot be done, investors should look at three risk elements instead.

#1: How much risk is there in any particular investment?

#2: What perceptions doe the market have of the risk?

#3: What risk premium is due?

Bank accounts and government bonds, for example, are perceived as the safest investments (especially if government guaranteed). A look at their long term history shows that they pay about 3%. So if a bank account or government bond pays less…in the long term it’s bad. If it pays more…that’s better. Yet the idea is that bank accounts will not really make money. They will just keep up with growth…at 3%.

To get real growth requires taking risk. If an investment appears to be less safe it will pay more than 3%. This is called a risk premium.

Bonds pay more than bank accounts because they are perceived to be less safe. Stocks pay more than bonds because they are perceived even riskier. Emerging market stocks pay more than major market stocks. Emerging market bonds pay more than major markets bonds.

Over the long run, bonds issued in countries and currencies perceived to be stable pay 5% to 7%.

Stocks in major countries should pay 7% to 10% annual return in the stock market as a function of global growth, long term earnings growth plus risk premium (above bank accounts and bonds).

To attain higher growth than 7% to 10% investors must either increase risk, trust luck or spot distortions.

This is good because the market is almost always wrong. Most investors always trying to avoid risk. Most investors dump their wealth into investments that are perceived to be safe. This creates excessive demand and lowers value and actually makes the perception wrong.

Knowing this helps wise investors spot trends created by distortions.

Take, for example, the emerging market trend that has been created by an imbalance in labor costs around the world.

There are 6.6 billion people on this earth (give or take a few hundred million). 1 billion of these people live on a dollar a day. 2.5 billion live on two dollars a day. This means that there is a vast pool of cheap labor that can create goods at bargain prices. Mature economies are buying these goods at such an increased rate that 20% of all goods produced now cross a border, mostly from poor countries to the rich.

This means that emerging economies are growing much faster than 3%. They are catching up and this has caused major markets to slow down.

The global economy grew 5% last year…way ahead of 3%. Mature economies are growing only 2.3% each year on average….so there is a lot more growth in emerging economies. Thus emerging stock markets are growing faster than matured stock markets as well.

Yet emerging economies are perceived to have greater risk.

Smart investors have seen the value create by this distortion and have been cleaning up. They have been paid a huge risk premium when the risk has not been real!

The risk has been eliminated by low labor costs in poor countries and improvements in communications and transportation.

From 200o to 2010  average annual return on emerging markets was 19.81% compared to 10% for major markets.

Finally we come to the third fact. Periods of high performance are followed by times of poor performance.

Emerging stock markets have outgrown major markets by about 7.5 times in the last seven years. Yet their economies are only growing about twice as fast.

Major markets have grown on average about 6.5% per annum for the past seven years….a little below what they should.

This means that it is probably time for emerging equity markets around the world to correct down and major markets up a bit.

Yet in times of global panic as we have recently seen, all markets tend to drop. This means that at this time major markets which may have been somewhat undervalued and should be rising are being pushed down by the drop of emerging markets (which should correct themselves).

Understanding these three facts leads us to know that a portfolio of global shares is the most likely bargain at this time.

This is why we have been recommending High Yield shares at this time. Most are major market equities that provide income and growth potential… plus make it easy to diversify.

There you have it. Understanding the 3% solution and what markets have done shows a distortion. Blue chips may be oversold more than emerging shares now.

In the long term, emerging shares will rise. Poor people remain and are willing and able to make goods that the rich will buy. This will push their economies higher faster than in major economies. Yet for now the three percent solution shows that major markets and high quality shares are more likely to recover from the current doldrums first.

Global investing has proven itself to be more profitable. Why not? Modern communications and transport coupled with a vast pool of low cost labor almost guarantees this fact. Now knowing three more facts based on the 3% solution can give you an edge when it come to taking advantage of the ups and downs in this global trend.

Study 54 High Yielding shares in my latest international investing report “Running Risk” $49.

Gary

Belong to the International Club

Join Merri and me.  Spread an epidemic of success… in health… wealth…. service to the community and personal fulfillment.   Be infected with positive purpose…. enthusiasm… fulfillment… extra income, profits and fun.

I invite you to join the International Club for 2013-2014.

As a club member you save on seminars, courses, online courses plus Spanish lessons and Ecuador tour discounts.

Join Merri and me for all the courses and seminars that we’ll conduct in 2013 and 2014 FREE.  Gain positive solutions to economic, financial and lifestyle developments.

Here are the courses you can attend at no cost.

August 31- Sept 1-2 Super Thinking Writer’s Camp West Jefferson, NC.

October 4-5-6 Super Thinking Writer’s Camp, West Jefferson, NC.

November 15-16-17 Super Thinking Writer’s Camp, Mt. Dora, Fl.

January 10-11-12, 2014 Super Thinking + Spanish, Mt. Dora, Fl.

February 14-15-16, 2014  Super Thinking Writer’s Camp, Mt. Dora Fl.

In addition members receive discounts on Ecuador farm tours and Spanish courses conducted by our Ateam Ecuador and Super Spanish teachers.  For example Super Spanish courses that are normally $699 are $175.  Ecuador real estate tours are reduced 20%.

Here is the Super Spanish teacher schedule:

June 21-22-23  Super Thinking + Spanish  St. Charles, MO  (Teacher Mark Frakes)

July 12-13-14  Super Thinking + Spanish  Kelowna, BC, Canada  (Teachers Shawn & Suzanne Bandick)

August 16-17-18  Super Thinking + Spanish  St. Charles, MO   (Teacher Mark Frakes)

September 27-28-29  Super Thinking + Spanish  St. Charles, (Teacher Mark Frakes)

October 3-5  Super Thinking + Spanish Atlantic City NJ  (Teacher Rick Brown)

November 21-22-23  Super Thinking + Spanish  Puerto Aventuras, Mexico  (Teachers Suzanne & Shawn Bandick)

We conduct our courses in the peace and quiet of  Smalltown USA.

Part of the courses we conduct are held at Jefferson Landing where we conduct seminars in West Jefferson NC

Jefferson Landing

50 delegates joined us.

The seminar in action.

Here are photos I took of Mt. Dora…

After the seminar, International Club members join us at our home to talk with the speakers.

International Club members meeting in our home after a North Carolina seminar.

There are many benefits of membership.

Most members join us for at least three courses… one investing and business, one writers camp and one Spanish course.  That alone creates a $1,198 savings. Some members attend every course plus more.

You (and a guest of your choice) can attend all of the seminars we have already set for 2013 and 2014 plus any others we decide to conduct in the year ahead FREE.

As a club member you also receive seven online reports, courses and workshops worth $1,246 FREE.

The first of these seven online courses is “Tangled Web – How to Have an Internet Business,” normally sold at $299.

The second is our online course “Self Fulfilled – How to be a Self Publisher”, which has a $299 value. I am sending you this extra course free as I think it will help you have greater success. This is an extra $299 savings.

The third is our online course “International Business Made EZ” sold at $299.

You also receive fourth the 50 minute video by our webmaster David Cross on “How to Get Your Web Business Started”.

Your fifth course is the 50+ lesson course “How to Create your Own Website Using Sitesell” by Michelle Toole. (We are proud that this course was written by a student of our courses showing how well the 43 years of knowledge that Merri and I have accumulated and put into these programs can help you start your own global micro business.)

Sixth, you become a beta member in our newest online course “Event – Full Business – How to have a Seminar and Tour Business” currently offered at $349.

When you enroll, we’ll send you a password that makes the online courses easy to access at the Club website.  You can reserve as many seminars as you desire.

Five Positive Steps

Join Merri and me as we look at positive ways to prosper during 2013 and 2014.  Here are five ways to gain from the forces of change.

#1: Having your own micro business for extra earnings, freedom, fulfillment and fun.

#2: Living and prospering in lower cost countries or small towns.

#3: Multi currency investing through US brokers and bankers abroad.

#4: Commodities that rise with inflation.

#5: Good value real estate…. especially multi dimensional and agricultural property.

We have specialized for over four decades in helping our readers excel in these five inflation beating opportunities.

The big benefits of belonging to the International Club are the power of repetition, updates and international friendships.  As a club member, you become friends with other members as you meet again and again.

Your first saving is on waived seminar fees for the seminars over the next year.

As you will see above and below you can attend Florida & North Carolina seminars.  If you attend just two of these seminars, the $1,799 membership fee will have already created a savings for you.

Yet there is more.  Much more.

International Club members meeting in West Jefferson for a reception after the North Carolina seminar.

Enough…. Enough with the Bad News.

Our mantra is BE POSITIVE in this negative world.  There is nothing as valuable as rarity but we need to remember that bad news sells. This means the mainstream media has slipped into offering information with an adrenaline rush.  Mayhem, murder and natural disasters.   These negative events will happen…. globally. We cannot do much about this.  Dwelling on insolvable negativity is not good for our health or wealth.

A recent quote from the Abraham Hicks website explains why nicely.

Continuing to tell stories of shortage only continues to contradict your desire for abundance, and you cannot have it both ways: You cannot focus upon unwanted and receive wanted. You cannot focus upon stories about money that make you feel uncomfortable and allow into your experience what makes you feel comfortable. A different story will bring different results: My thoughts are the basis for the attraction of all things that I consider to be good, which includes enough money, and health, for my comfort and joy.

Make the Years Ahead Your Best Years Ever

What we can do is make ourselves Friendlier, More Compassionate, Happier, Stronger, More Energetic with greater intellect.  The way to start is to surround ourselves with successful, friendly, compassionate, happy, stronger, smarter, positive people who think as you do.

The International Club brings together experienced, like minded souls, who take a positive view and think outside the box… in constructive, thoughtful, doable ways.

Being in the club surrounds you with successful… positive… like minded souls.  This benefit alone is truly powerful stuff!

The courses you can attend free integrate Super Thinking with business and investing ideas and experience that enhance your health and wealth.

Focus on Ecuador & Smalltown USA & Canada

Learn how to create a BIG INCOME by thinking SMALL.   At the seminars you meet speakers who are attorneys and real estate experts for both Ecuador and small town USA.   You’ll rub shoulders with experts on global investing and pensions who can help you increase and protect your savings and pensions also how to increase the income you earn in positive ways you enjoy as you help your community.

(See a list of speakers you’ll meet at the club meetings along with other club members below).

Absorb  through  Osmosis

Merri and I are in our 45th year of organizing courses, seminars and newsletters about international and Super Thinking  lifestyles. The importance of this sharing… by like minded souls… was reinforced when a delegate from a course sent an email that said:

My Dearest Merri and Gary, Thank you for your most gracious hospitality last weekend. I am just thrilled at being a part of your group. You and Gary were exactly as I imagined you to be, warm friendly, kind, considerate, genuine, helpful, fun, sincere, what else can I say……I felt so comfortable in your presence and learned so much in your course. I was sad to leave the farm that Sunday afternoon. You made us all feel so welcome and cared about. You were so kind to make arrangements for a ride with the other delegates from the Charlotte Airport. They were so nice to me and so helpful, by the time the weekend was over I felt like they were my long lost brothers. Monday morning we all had breakfast at the airport together and I was so sad to see them go, I was sad the weekend was over, perhaps sad is not the right word for how I was feeling perhaps Gratitude is a better way to describe it. Grateful for having the opportunity to share the weekend with such wonderful, like minded Human Beings, in the beautiful mountains of North Carolina. Thank you Merri and Gary.  Thanks to you I now have new hope and a new direction to move forward in my life.  I know by attending your classes and conferences that through education and due diligence I will make the right choices.

This delegate’s comments about “belonging and feeling like a brother” to the other delegates is a wonderful refrain we have heard from our readers, year after year.

24 years ago Merri and I created a way that readers can join us to be immersed in a year-long learning program through our International Club.

The ideas behind this program began all those years ago in Vienna, Austria while we were conducting a course there.  One of our older delegates, had some sort of attack. The first fear was heart trouble. Several delegates took him to the hospital.  Others stayed with him there. I don’t think that delegate was alone for a minute!

What impressed Merri and me was that no one asked the delegates to help this man.

The friendships of delegates sharing many courses had just grown so strong that it was a natural reaction, just as if a family member was ill. Fortunately, it was only travel fatigue and the delegate didn’t miss a session of the course!

When you join our International Club 2013 you become part of a special family. The very first member to join the club all those years ago wrote, Thank you for the enjoyable and informative courses. I am pleased to be part of your international family and look forward to continuing my education at the next course.

His feeling struck a familiar chord. It has always been one of my greatest satisfactions to see how much fun delegates have getting together, sharing information and making friendships as we learn how to improve our health and increase our wealth.

The courses draw like-minded souls.  For this reason some delegates come back again and again. They come to learn, but also to be with their many friends made at the courses. When like-minded souls get together again and again to discuss a common purpose, magic happens! I can’t explain it in any other way-but it is true.

In a way our meetings are almost like family reunions. Perhaps it is getting together and reflecting on what has been said and what has been happening.

Learning with those who are also interested in the world creates thoughts that multiply the value of what we gain.  This is hard to describe but results are most powerful and wonderful!  This is to me is as important as the great financial benefit of attending many of our courses.

See the 2013 seminars in detail  below.

We started and have continued the International Club for 24 years because there are wonderful benefits from having repeat delegates at courses. Having repeat delegates makes the whole course somehow more exciting for all. Being a repeat delegate makes it easier to make and keep wealth and to lock in the knowledge you gain. It’s an exciting lifestyle. We have fun, gain adventure, discovery and friendships and share ways to improve our health and wealth!

You can see from the schedule above a very busy schedule for 2013. Very few club members actually attend every seminar.  Many  attend almost all of them!  Of course we hope you be with us for all of them, but even if you attend just two of the seminars, you gain considerable savings.

Another savings: Lifestyle for Two.

We want couples! As a member of the program, you are entitled to bring another person to every single course or tour. The cost for that extra person will be ZERO! You can bring whomever you wish. Bring your spouse, a friend, son or daughter, partner, accountant, adviser. You can bring the same person each time or a different person, whomever you choose to accompany you. (Accommodations and air fares relating to the courses are not included for members, delegates or their guests.)

The International Club fee of $1,799 is less than the price of two seminars.

I invite you to be a member of the International Club which allows you and your guest of your choice to attend all of these courses and tours.

Let’s prosper in these times of change. Won’t you join us in this exciting club and share Merri’s and my lifestyle for the next year? Join us at our farms and visit Ecuador. We look forward to seeing you at as many courses as possible and sharing this wonderful world of abundance and well being with you!

Gary

You can attend all of our seminar , courses online courses and more plus $1,246 of online value.  Club membership is $1,799. 

Become an International Club  Member $1,799.

Attend as many of the courses below as you desire.

August 31- September 1-2 Super Thinking & Writers Camp at Merrily Farms, NC.

October 4-5-6 Super Thinking & Writer’s Camp West Jefferson, NC

November 15-16-17  Super Thinking & Writer’s Camp Mt. Dora, Florida

January 10-11-12, 2014 Super Thinking + Spanish  Mt. Dora, Florida

February 14-15-16, 2014  Super Thinking & Writer’s Camp  Mt. Dora, Florida

In additional Super Spanish courses will be scheduled in Canada, Mexico. and the US throughout the year.

(Dates subject to change).

Join us in 2013 – 2014 and learn how to take advantage of the fact that the Sun Always Shines Somewhere

Here is the Super Spanish teacher schedule:

June 21-22-23  Super Thinking + Spanish  St. Charles, MO  (Teacher Mark Frakes)

July 12-13-14  Super Thinking + Spanish  Kelowna, BC, Canada  (Teachers Shawn & Suzanne Bandick)

August 16-17-18  Super Thinking + Spanish  St. Charles, MO   (Teacher Mark Frakes)

September 27-28-29  Super Thinking + Spanish  St. Charles, (Teacher Mark Frakes)

October 3-5  Super Thinking + Spanish Atlantic City NJ  (Teacher Rick Brown)

November 21-22-23  Super Thinking + Spanish  Puerto Aventuras, Mexico (Teachers Suzanne & Shawn Bandick)

Yes, I want to become an International Club Member. 

Annual membership $1,799. Click  here.

Here are three millionaire gifts.

Today is my 64th birthday.  This is a shot I took from our meditation room this morning.

Years ago Merri started a family tradition… on one’s birthday we give gifts to others… it’s greater to give than receive… so here are three gifts for you.  The picture above is one of the gifts.

See why below.

We have been helping our readers make millions for nearly 30 years.  One reader confirmed this when he wrote this letter to me: “Gary, I am a long time subscriber in various media, and while cleaning out my files today I found some old “Gary A. Scotts World Reports”.  In particular the April 1988 issue provided the info that made me over a million dollars.   Just wanted to say a belated  “thank you”  and please continue the excellent work.  Warm regards,”

The first gift is a millionaire habit taught to me by the Ecuadorian Taita Yatchak we lived with for years. We took him on many trips through the USA and one day he visited us in Florida. We met his plane at Ft. Myers Airport and as we passed a roadside rest stop on the way to Naples he said, “Stop here. I want to teach you a golden word for prosperity.”

He gave us this golden word that I pass on here to you. The word is Golden Orange.

He said, Watch the sunrise every day. Then whenever you can visualize this color intensely and think GOLDEN ORANGE.

The leaf change is spectacular here in our North Carolina front yard this autumn.  Visualize this golden orange every morning.

The second gift is an investment tip.

My birthday tip to readers October 2007 was inspired when one reader wrote:    “Gary I want to set up a multi currency sandwich without risk. I do not need the fantastic returns and can do fine with just 20% per annum.”

Well, here’s what I wrote back then:  “20% per annum is more than a fantastic return. If you can attain this on a long term basis you are one of the best investment managers in the world. Keep in mind that though equity markets are efficient in the long run they are not effective short term due to human behavior.

“Please remember the following rules of thumb about investing: We should expect 7% to 10% annual return in the stock market as a function of global nominal GDP growth and long term earnings growth plus risk premium over bonds. Getting higher growth comes from increased risk or luck. We have increased risks through leverage at a time of strong market growth.

“We always like to put together top performing portfolios but our mission statement is to track portfolios and learn from them as they rise and fall.  Periods of high performance are followed by times of low returns.  We never know for sure when an upwards cycle will stall.  To give our readers a better perspective, this year we are reducing leverage.”

That advice saved readers who followed it millions.

This birthday 2010, my advice is the opposite.  Avoid safety. Sell seemingly, safe long term bonds. Borrow Dollars. Invest in High Yielding Shares.
Governments have borrowed too much. Times are not about to change either.

Until social-economic evolution changes the way government debase currencies, great opportunity will exist for the alert investor who embraces risk.

Governments everywhere control currencies and most use fractional reserve banking and/or debt financing or the printing machine that debases their currencies. This is not done equally between and this inequality in currency erosion creates parity and interest rate distortions.

Currencies often follow certain cycles and we can track these cycles to spot profits from currency changes.

The cycles consists of 3 phases.

Phase 1 is when the high interest rates attract capital, which cause the currency to appreciate. This pushes down imported inflation, and the inflationary pressure in the economy diminishes.

Phase 2 follows. As a result of the lower inflation, the Central Bank cuts interest rates, boosting domestic demand. This often leads to a demand for foreign products, and exports struggle with a stronger currency. The current account deteriorates, and the interest in the currency cools down. Often rates drop low enough so the currency can be borrowed to reinvest.  In Phase 2 it is a good time to borrow.

The final Phase 3 comes when fear of interest-rate hikes begins to develop or a local shock triggers risk aversion. Most loan positions are closed.

The government raises interest rates to cool the economy. Or maybe there are political problems, and investors fear that interest rates will have to rise. Phase 3 causes the local currency to depreciate markedly, which has an adverse effect on inflation and the Central Bank raises interest rates!

At some point, interest rates are raised so high the inflation situation improves as well as the external balances and investors return. The cycle then begins with Phase 1 all over again.

This may seem slightly complicated, so study this over the weekend and send me your questions and comments. We’ll answer them in the Saturday Q&A.

The way to enhance profits from international currency trends created by these phases takes three steps.

Step #1:  Spot countries and currencies which are ending Phase 3 and returning to or starting Phase 1.

Step #2:  Invest in the countries/currencies and keep the investment until the end of Phase 2.

Step #3:  Be out of a currency when Phase 3 begins.

Here is a really neat trick when watching the phases. When a country is in Phase 3, the situation in a country is at its gloomiest. This is the time when everyone is saying “Get out stay away”.  However, this is probably the time to get ready to invest!

When the situation is at its gloomiest, it may be the start of a new upturn so look for the following signals. These are signs that a good opportunity may be near.

* A local shock or interest rate hikes

* Carry positions are closed

* The currency depreciates

* Local Central Bank raises interest rates when inflation rises

Here is the total cycle of high interest currencies again:

* High interest rates attract capital

* The currency begins to appreciate

* Inflationary pressure diminishes

* Local interest rates are cut

* Inflation declines

* Capital inflow continues

* Domestic demand rises

* Current account deteriorates

* The strength of the currency declines

Be sure to send me your questions about this. I want every reader to understand the power and importance of the Borrow Low-Deposit High strategy so feel free to ask questions that I can answer to all.

Look for currency phases, spot trends and distortions so you can borrow low and deposit high or more. This process can make millions for you.

Your third gift is a $200 Ecuador banking gift free. Get it here.

Until next message, may every phase of your investing be good.

Gary

Join us for a seminar.

Here is what one delegate from a seminar shared:

Thank you. You two are both such wondrous creatures-so wise and nurturing. You have inspired us. We are rejuvenated. Merri is a magician. Her wizardry removed six pounds of avoirdupois from Olga and three pounds from me. Your course has made us “Healthy, Wealthy, and Wise.” We love you for it.

Belong to the International Club

Join Merri and me.  Spread an epidemic of success… in health… wealth…. service to the community and personal fulfillment.   Be infected with positive purpose…. enthusiasm… fulfillment… extra income, profits and fun.

I invite you to join the International Club for 2013-2014.

As a club member you save on seminars, courses, online courses plus Spanish lessons and Ecuador tour discounts.

Join Merri and me for all the courses and seminars that we’ll conduct in 2013 and 2014 FREE.  Gain positive solutions to economic, financial and lifestyle developments.

Here are the courses you can attend at no cost.

August 31- Sept 1-2 Super Thinking Writer’s Camp West Jefferson, NC.

October 4-5-6 Super Thinking Writer’s Camp, West Jefferson, NC.

November 15-16-17 Super Thinking Writer’s Camp, Mt. Dora, Fl.

January 10-11-12, 2014 Super Thinking + Spanish, Mt. Dora, Fl.

February 14-15-16, 2014  Super Thinking Writer’s Camp, Mt. Dora Fl.

In addition members receive discounts on Ecuador farm tours and Spanish courses conducted by our Ateam Ecuador and Super Spanish teachers.  For example Super Spanish courses that are normally $699 are $175.  Ecuador real estate tours are reduced 20%.

Here is the Super Spanish teacher schedule:

June 21-22-23  Super Thinking + Spanish  St. Charles, MO  (Teacher Mark Frakes)

July 12-13-14  Super Thinking + Spanish  Kelowna, BC, Canada  (Teachers Shawn & Suzanne Bandick)

August 16-17-18  Super Thinking + Spanish  St. Charles, MO   (Teacher Mark Frakes)

September 27-28-29  Super Thinking + Spanish  St. Charles, (Teacher Mark Frakes)

October 3-5  Super Thinking + Spanish Atlantic City NJ  (Teacher Rick Brown)

November 21-22-23  Super Thinking + Spanish  Puerto Aventuras, Mexico  (Teachers Suzanne & Shawn Bandick)

 

We conduct our courses in the peace and quiet of  Smalltown USA.

Part of the courses we conduct are held at Jefferson Landing where we conduct seminars in West Jefferson NC

Jefferson Landing

50 delegates joined us.

The seminar in action.

Here are photos I took of Mt. Dora…

This is home of our winter courses.

After the seminar, International Club members join us at our home to talk with the speakers.

International Club members meeting in our home after a North Carolina seminar.

There are many benefits of membership.

Most members join us for at least three courses… one investing and business, one writers camp and one Spanish course.  That alone creates a $1,198 savings. Some members attend every course plus more.

You (and a guest of your choice) can attend all of the seminars we have already set for 2013 and 2014 plus any others we decide to conduct in the year ahead FREE.

As a club member you also receive seven online reports, courses and workshops worth $1,246 FREE.

The first of these seven online courses is “Tangled Web – How to Have an Internet Business,” normally sold at $299.

The second is our online course “Self Fulfilled – How to be a Self Publisher”, which has a $299 value. I am sending you this extra course free as I think it will help you have greater success. This is an extra $299 savings.

The third is our online course “International Business Made EZ” sold at $299.

You also receive fourth the 50 minute video by our webmaster David Cross on “How to Get Your Web Business Started”.

Your fifth course is the 50+ lesson course “How to Create your Own Website Using Sitesell” by Michelle Toole. (We are proud that this course was written by a student of our courses showing how well the 43 years of knowledge that Merri and I have accumulated and put into these programs can help you start your own global micro business.)

Sixth, you become a beta member in our newest online course “Event – Full Business – How to have a Seminar and Tour Business” currently offered at $349.

When you enroll, we’ll send you a password that makes the online courses easy to access at the Club website.  You can reserve as many seminars as you desire.

Five Positive Steps

Join Merri and me as we look at positive ways to prosper during 2013 and 2014.  Here are five ways to gain from the forces of change.

#1: Having your own micro business for extra earnings, freedom, fulfillment and fun.

#2: Living and prospering in lower cost countries or small towns.

#3: Multi currency investing through US brokers and bankers abroad.

#4: Commodities that rise with inflation.

#5: Good value real estate…. especially multi dimensional and agricultural property.

We have specialized for over four decades in helping our readers excel in these five inflation beating opportunities.

The big benefits of belonging to the International Club are the power of repetition, updates and international friendships.  As a club member, you become friends with other members as you meet again and again.

Your first saving is on waived seminar fees for the seminars over the next year.

As you will see above and below you can attend Florida & North Carolina seminars.  If you attend just two of these seminars, the $1,799 membership fee will have already created a savings for you.

Yet there is more.  Much more.

International Club members meeting in West Jefferson for a reception after the North Carolina seminar.

Enough…. Enough with the Bad News.

Our mantra is BE POSITIVE in this negative world.  There is nothing as valuable as rarity but we need to remember that bad news sells. This means the mainstream media has slipped into offering information with an adrenaline rush.  Mayhem, murder and natural disasters.   These negative events will happen…. globally. We cannot do much about this.  Dwelling on insolvable negativity is not good for our health or wealth.

A recent quote from the Abraham Hicks website explains why nicely.

Continuing to tell stories of shortage only continues to contradict your desire for abundance, and you cannot have it both ways: You cannot focus upon unwanted and receive wanted. You cannot focus upon stories about money that make you feel uncomfortable and allow into your experience what makes you feel comfortable. A different story will bring different results: My thoughts are the basis for the attraction of all things that I consider to be good, which includes enough money, and health, for my comfort and joy.

Make the Years Ahead Your Best Years Ever

What we can do is make ourselves Friendlier, More Compassionate, Happier, Stronger, More Energetic with greater intellect.  The way to start is to surround ourselves with successful, friendly, compassionate, happy, stronger, smarter, positive people who think as you do.

The International Club brings together experienced, like minded souls, who take a positive view and think outside the box… in constructive, thoughtful, doable ways.

Being in the club surrounds you with successful… positive… like minded souls.  This benefit alone is truly powerful stuff!

The courses you can attend free integrate Super Thinking with business and investing ideas and experience that enhance your health and wealth.

Focus on Ecuador & Smalltown USA & Canada

Learn how to create a BIG INCOME by thinking SMALL.   At the seminars you meet speakers who are attorneys and real estate experts for both Ecuador and small town USA.   You’ll rub shoulders with experts on global investing and pensions who can help you increase and protect your savings and pensions also how to increase the income you earn in positive ways you enjoy as you help your community.

(See a list of speakers you’ll meet at the club meetings along with other club members below).

Absorb  through  Osmosis

Merri and I are in our 45th year of organizing courses, seminars and newsletters about international and Super Thinking  lifestyles. The importance of this sharing… by like minded souls… was reinforced when a delegate from a course sent an email that said:

My Dearest Merri and Gary, Thank you for your most gracious hospitality last weekend. I am just thrilled at being a part of your group. You and Gary were exactly as I imagined you to be, warm friendly, kind, considerate, genuine, helpful, fun, sincere, what else can I say……I felt so comfortable in your presence and learned so much in your course. I was sad to leave the farm that Sunday afternoon. You made us all feel so welcome and cared about. You were so kind to make arrangements for a ride with the other delegates from the Charlotte Airport. They were so nice to me and so helpful, by the time the weekend was over I felt like they were my long lost brothers. Monday morning we all had breakfast at the airport together and I was so sad to see them go, I was sad the weekend was over, perhaps sad is not the right word for how I was feeling perhaps Gratitude is a better way to describe it. Grateful for having the opportunity to share the weekend with such wonderful, like minded Human Beings, in the beautiful mountains of North Carolina. Thank you Merri and Gary.  Thanks to you I now have new hope and a new direction to move forward in my life.  I know by attending your classes and conferences that through education and due diligence I will make the right choices.

This delegate’s comments about “belonging and feeling like a brother” to the other delegates is a wonderful refrain we have heard from our readers, year after year.

24 years ago Merri and I created a way that readers can join us to be immersed in a year-long learning program through our International Club.

The ideas behind this program began all those years ago in Vienna, Austria while we were conducting a course there.  One of our older delegates, had some sort of attack. The first fear was heart trouble. Several delegates took him to the hospital.  Others stayed with him there. I don’t think that delegate was alone for a minute!

What impressed Merri and me was that no one asked the delegates to help this man.

The friendships of delegates sharing many courses had just grown so strong that it was a natural reaction, just as if a family member was ill. Fortunately, it was only travel fatigue and the delegate didn’t miss a session of the course!

When you join our International Club 2013 you become part of a special family. The very first member to join the club all those years ago wrote, Thank you for the enjoyable and informative courses. I am pleased to be part of your international family and look forward to continuing my education at the next course.

His feeling struck a familiar chord. It has always been one of my greatest satisfactions to see how much fun delegates have getting together, sharing information and making friendships as we learn how to improve our health and increase our wealth.

The courses draw like-minded souls.  For this reason some delegates come back again and again. They come to learn, but also to be with their many friends made at the courses. When like-minded souls get together again and again to discuss a common purpose, magic happens! I can’t explain it in any other way-but it is true.

In a way our meetings are almost like family reunions. Perhaps it is getting together and reflecting on what has been said and what has been happening.

Learning with those who are also interested in the world creates thoughts that multiply the value of what we gain.  This is hard to describe but results are most powerful and wonderful!  This is to me is as important as the great financial benefit of attending many of our courses.

See the 2013 seminars in detail  below.

We started and have continued the International Club for 24 years because there are wonderful benefits from having repeat delegates at courses. Having repeat delegates makes the whole course somehow more exciting for all. Being a repeat delegate makes it easier to make and keep wealth and to lock in the knowledge you gain. It’s an exciting lifestyle. We have fun, gain adventure, discovery and friendships and share ways to improve our health and wealth!

You can see from the schedule above a very busy schedule for 2013. Very few club members actually attend every seminar.  Many  attend almost all of them!  Of course we hope you be with us for all of them, but even if you attend just two of the seminars, you gain considerable savings.

Another savings: Lifestyle for Two.

We want couples! As a member of the program, you are entitled to bring another person to every single course or tour. The cost for that extra person will be ZERO! You can bring whomever you wish. Bring your spouse, a friend, son or daughter, partner, accountant, adviser. You can bring the same person each time or a different person, whomever you choose to accompany you. (Accommodations and air fares relating to the courses are not included for members, delegates or their guests.)

The International Club fee of $1,799 is less than the price of two seminars.

I invite you to be a member of the International Club which allows you and your guest of your choice to attend all of these courses and tours.

Let’s prosper in these times of change. Won’t you join us in this exciting club and share Merri’s and my lifestyle for the next year? Join us at our farms and visit Ecuador. We look forward to seeing you at as many courses as possible and sharing this wonderful world of abundance and well being with you!

Gary

You can attend all of our seminar , courses online courses and more plus $1,246 of online value.  Club membership is $1,799. 

Become an International Club  Member $1,799.

Attend as many of the courses below as you desire.

August 31- September 1-2 Super Thinking & Writers Camp at Merrily Farms, NC.

October 4-5-6 Super Thinking & Writer’s Camp West Jefferson, NC

November 15-16-17  Super Thinking & Writer’s Camp Mt. Dora, Florida

January 10-11-12, 2014 Super Thinking + Spanish  Mt. Dora, Florida

February 14-15-16, 2014  Super Thinking & Writer’s Camp  Mt. Dora, Florida

In additional Super Spanish courses will be scheduled in Canada, Mexico. and the US throughout the year.

(Dates subject to change).

Join us in 2013 – 2014 and learn how to take advantage of the fact that the Sun Always Shines Somewhere

Here is the Super Spanish teacher schedule:

June 21-22-23  Super Thinking + Spanish  St. Charles, MO  (Teacher Mark Frakes)

July 12-13-14  Super Thinking + Spanish  Kelowna, BC, Canada  (Teachers Shawn & Suzanne Bandick)

August 16-17-18  Super Thinking + Spanish  St. Charles, MO   (Teacher Mark Frakes)

September 27-28-29  Super Thinking + Spanish  St. Charles, (Teacher Mark Frakes)

October 3-5  Super Thinking + Spanish Atlantic City NJ  (Teacher Rick Brown)

November 21-22-23  Super Thinking + Spanish  Puerto Aventuras, Mexico (Teachers Suzanne & Shawn Bandick)

 

Yes, I want to become an International Club Member. 

Annual membership $1,799. Click  here.

One reason we need global investment income is that the US dollar is falling… and more.

Yesterday’s political turmoil is the most serious we have seen in our fifteen years there.  This may enhance opportunity in Ecuador long term… but also reminds us of  the need to diversify.

There are causes of concern beyond the political unrest. The first being…

the fall of the greenback… Ecuador’s as well as the USA’s currency.

This chart from finance.yahoo.com shows that as of yesterday the dollar had fallen from about $1.20 to buy one euro to $1.37 to buy the same euro.  Since the dollar is the currency of the USA and Ecuador… residents in both countries need to spread their savings and investments into other currencies.

Welcome to October. Our message last week, October Investment Risk warned about the Ides of October and how this can be a bewitching month.

Already on the first day of October we can see several events that could create havoc in global stock markets.

First, the falling US dollar as shown above. Risk adverse investors have been fleeing to dollar bonds. Now where will they go? The ensuing confusion will not be good.

Strikes in Europe. One of our readers who is headed to Ecuador shared this note: Hello from rainy Brussels where I am stuck for an extra two days because of air traffic control strikes which shut down Belgian airspace until tonight.  I am so glad to be away from Europe.  The Spanish and French Air Traffic Controllers have also been on strike for the last few days so traveling by air in Europe is really challenging. Plus a French railway strike started last Thursday.

Strikes in Ecuador. Latin America has been one of the strong performing market segments so instability in this region could be a spark for an October run as well.

Add them together and…. who knows, but you have been warned.

There are great opportunities created by potential problems.  In fact these difficulties are currently creating profit for me.

Take for example the opportunity in the falling US dollar.

In a message Portfoilo Allocations 1-2010 January 14, 2010, I wrote how I had borrowed the equivalent of 9% of my portfolio in US dollars to invest in Mexican peso, New Zealand and Australian dollars.

In another message Global Multi Currency Economic Update July 1, 2010, I wrote:  The biggest of the seven trends I have cashed in on over the past 42 years has been the declining US dollar.

There are several ways to speculate against the greenback.  Personally I use the multi currency sandwich. I borrow dollars at low interest rates and invest the funds on dollar related currencies…. currently the New Zealand, Canadian, Australian dollars and Mexican peso.

This is a slow, partly hedged speculation versus the dollar… but forex profits are not my main goal.   The interest differential is what assures my profit… if I can wait for the dollar to drop.  My loan cost on dollar loans is currently below 3%.   My average yield is 6.31% so I am paid about 3.31% to borrow the dollar.

100K ea.

MXN BONOS  10% Due 2024 117  = 8%

EUR INVT BNK AUD 6.0 2013 101.49  5.56%

EUR INVT BNK NZD 6.5 2014 104.77  5.38%

Average 6.31%  + $18,930
Loan cost      $   9,000
Return           $   9,930

Plus I have Forex profit potential.

So far the year, this loan has been paying me $9,930, plus as the dollar falls I have a chance of a nice extra forex profit over the year. As another chart (of the Mexican peso to the US dollar) from finance.yahoo.com shows, there have been ups and downs all year, but I have made a nice forex profit on the peso I made the loan in 2009.

Plus there could be more forex profit if the September 30, 2010 Bloomberg article entitled “Mexico Peso Set for Biggest Gain in 19 Months on U.S. Housing, Employment” by Jonathan J. Levin is correct. This article says: Mexico’s peso is headed to its biggest monthly gain since February 2009 after U.S. housing and employment data limited speculation that the country’s biggest export market may return to recession.

The peso rose 5.2 percent to 12.5511 per dollar at 9:58 a.m. New York time, from 13.2046 on Aug. 31, the best- performing major Latin American currency tracked by Bloomberg. It gained 2.5 percent during the third quarter. The U.S. buys 80 percent of Mexico’s exports.

“All the fears of a double-dip recession in the U.S. are dissipating,” said Ramon Cordova, a currency strategist at Base Internacional Casa de Bolsa SA in Monterrey, Mexico. “I see a positive outlook for the rest of the year.”

U.S. initial jobless claims decreased more than forecast, by 16,000 to 453,000 in the week ended Sept. 25, Labor Department figures showed today in Washington. Claims were projected to fall to 460,000, according to the median forecast of 47 economists surveyed by Bloomberg News.

Builders broke ground on 598,000 homes at an annual rate in August, up 10.5 percent and the most since April, the Commerce Department said Sept. 21.  The yield on Mexico’s 10 percent bond due in 2024 rose four basis points, or 0.04 percentage point, to 6.48 percent, according to Banco Santander SA. The price of the security fell 0.5 centavo to 132.58 centavos per peso.

Plus my bonds in Australian and New Zealand dollars have brought a forex profit as well as the finance.yahoo.com charts show.

Here is the Aussie and…

the Kiwi.

The Kiwi forex profit is not much… but keep in mind my loan has cost 3% the Kiwi dollar bond has paid me 5.38%.

This does not mean you should run out and invest in Mexican, Australian and New Zealand dollar bonds.

This was the ripe investment a year ago.

Now with investors rushing into bonds… prices are not as attractive.  They may fit as part of one’s portfolio, but we have been looking more at high yield equities.

We’ll review 54 such equities in dollars, Singapore dollars, euro and other currencies at our October seminar.

Plus there is opportunity in real estate… almost everywhere.

Plunging real estate prices…. low interest rates and future inflation are three ingredients for explosive profits.

One of the high yielding shares shares I like philosophically is the Suntec REIT in Singapore.

Real estate makes a lot of sense to me now. Real estate prices have been crashing and creating some great values.  Asian real estate makes a lot of sense and Singapore is one of the most trustworthy places to invest in Asia.

Suntec Real Estate Investment Trust (SUN SP) is one of two Singapore-traded REITs controlled by Hong Kong billionaire Li Ka-shing. Li used to be a neighbor long ago when I lived in Hong Kong and is very shrewd, needless to say.

New Singapore Casino.

Singapore has allowed two casinos to open.  I am sad to see this as Singapore used to have strict attitudes about gambling and casinos.  Lee Kuan Yew once said there would never be a casino in Singapore but these are two lavish locations opened in 2010, that will attract tourists and gamblers. Suntec’s main property is next door.

With just two casinos Singapore has already become a rival to Las Vegas.

Second quarter 2010 winnings put Singapore on track to have a $4 billion casino market on an annualized basis according to the Wall Street Journal. That’s just 20% below what Las Vegas is expected to do this year.

Suntec REIT’s has office and retail property next to the new casinos.  Suntecs office portfolio has 97.6% occupancy while the retail portfolio has 98.7% occupancy.

Asia has great potential and the Singapore dollar has excellent underpinnings.

Phillip Securities Research meanwhile is holding its forecasts and projections and maintains the Hold recommendation with fair value of $1.34. “We think management has done a good job in maintaining occupancy for the retail portfolio and improving the occupancy for the office portfolio. Note that office portfolio occupancy improved from 94.8% in 2Q09. Although reversionary rents probably softened in the wake of this, nonetheless leases were secured and mitigated the risk of tenants migration.”

The good thing about REITs is their stable dividends,” this time when bank deposits have very low interest.  Individual investors pay zero tax on the distributions, regardless of their nationality.

Singapore-listed REITs are required to distribute at least 90% of their taxable income to unitholders, which makes them more attractive to those seeking dividends.

Suntec REIT ticker symbol of (SUN.Singapore), owns premium retail and office properties in Singapore next to new casinos. The company has paid uninterrupted dividends every quarter since it went public in 2007.

The shares are also traded on the Frankfurt exchange with the symbol (Frankfurt: P3G.F)

Smaller investors can participate in this trend also as there are numerous US mutual funds that invest in these type of shares.

A September 20, 2010 Morningstar article “Yield to Yield – Some dividend funds offer more, or less, than investors bargain for” by Katie Rushkewicz says: Income-seeking investors have been in a tough spot lately. Bond, CD, and money market yields are paltry. Pitiful fixed-income yields might make stock dividend yields look attractive by comparison, but they come with extra company-specific and market risk. The 15% tax rate that most stock dividends have enjoyed for the past seven years could expire at the end of the 2010.

However, more companies seem well-situated to reinstate or increase their payouts after using the aftermath of the financial crisis to pay down debt, bolster balance sheets, and amass cash. Some high-quality companies, like  Johnson & Johnson JNJ, even offer dividend yields higher than the yields on their 10-year corporate bonds. This rare phenomenon makes dividend-paying stocks more appealing to income-seeking investors. So does market volatility, because dividend-paying companies tend to be defensive.

Funds That Do It Well

Dividend funds can assume many identities, so it’s important to know what you’re getting into before buying. Some fund shops and managers have built long, successful track records using dividend-focused strategies.

Funds mentioned favorably include:

* Legg Mason ClearBridge Equity Income Builder (SOPAX) – Minimum investment $1,000.

* Vanguard Dividend Growth (VDIGX) – Minimum investment $3,000.

* American Funds Washington Mutual (AWSHX) – Minimum investment $250.

Gary

Join us next week at our North Carolina Conference, Autumn in the Blue Ridge. Learn about real estate in the USA, Ecuador and Singapore as well as see a review of 54 high yielding shares.

Read Mexico Peso Set for Biggest Gain in 19 Months on U.S. Housing, Employment

Read Yield to Yield  Some dividend funds offer more, or less, than investors bargain for

See more on Suntec Reit

Here are some investments without debt.

Debt.

Merri and I abhor debt.

We always have some fixer upper or improvement project going on.  We just finished converting an office building in Ecuador into three apartments.

In Florida right now… we are converting half of a large three car garage into an apartment.

Here at the farm we are adding a…

sauna meditation room (on the right) that…

looks into this forest canopy.

We are building this with sustainable wood… mostly fallen trees that we reclaimed from the land.

This white oak from an old dead tree will become a great natural floor.

This is very satisfying… to drag the logs out… mill and prepare this wood.

Here is the financial key in our minds.

We make all our improvements from cash flow. We do not have a penny of debt.  If we cannot pay for an improvement from our pockets… we do not make it.  We just wait.

I do borrow low to invest high… but this is always liquid… a form of leverage where banks pay me to borrow… not vice versa and the loan can always be paid off by the investment (unless there is a forex loss).

We never borrow to spend and we never borrow more to invest than we can afford to lose.

When it comes to investing in shares, I like companies that do not have too much debt so I was impressed by an article entitled  “15 Companies with Zero Debt”  by Giovanny Moreano & Paul Toscano.

The article said:  Throughout the financial crisis, large debt loads weighed on company balance sheets and had serious implications for the firms that let their borrowing get out of control.

Other companies, however, have a history of operating with low debt levels, and many choose to issue no debt at all. Instead of debt, these companies hold cash and liquid investments in order to make acquisitions, investments and to run daily operations.

Although too much debt can quickly turn into a problem, zero debt does not always translate to a rising stock price, as you can see from the historical data provided in the following pages. Regardless, some companies have been successful in turning their zero-debt situation into a very favorable operating model.

With data from Capital IQ drawn from the most recent quarterly statements across the S&P 500, here are 15 companies that report having no debt on their balance sheets.

Debt allows companies to grow faster in good time… but debt can be an investment’s ruin in the bad. History suggests that it will be a couple of more years before equity markets really begin to pick up and maybe seven years before we see the next boom.  Thus companies without debt have more of their hand on power and may be a good place to store purchasing power now.

Here is the list from the article mentioned above that you could use as a place to start looking for your next stock investment.

1. Google (GOOG)

Total debt: $0
Cash & ST investments: $30.059 billion
YTD stock price performance: -22.32%

Historical Debt and Price Levels, Per Year
2007: $0 total debt, +50.17% share price
2008: $0 total debt, -55.51% share price
2009: $0 total debt, +101.52% share price

2. Apple (AAPL)

Total debt: $0
Cash & ST investments: $23.155 billion
YTD stock price performance: 19.53%

Historical Debt and Price Levels, Per Year
2007: $0 total debt, +133.47% share price
2008: $0 total debt, -56.91% share price
2009: $0 total debt, +146.90% share price

3. eBay (EBAY)

Total debt: $0
Cash & ST investments: $4.528 billion
YTD stock price performance: -11.64%

Historical Debt and Price Levels, Per Year
2007: $200m total debt, +10.4% share price
2008: $1b total debt, -57.94% share price
2009: $0 total debt, +68.55% share price

4. Forest Laboratories (FRX)

Total debt: $0
Cash & ST investments: $3.322 billion
YTD stock price performance: -12.49%

Historical Debt and Price Levels, Per Year
2007: $0 total debt, -27.96% share price
2008: $0 total debt, -30.12% share price
2009: $0 total debt, +26.07% share price

5. Celgene Corp (CELG)

Total debt: $0
Cash & ST investments: $2.952 billion
YTD stock price performance: -6.50%

Historical Debt and Price Levels, Per Year
2007: $219m total debt, -19.68% share price
2008: $26m total debt, +19.63% share price
2009: $25m total debt, +0.72% share price

6. Texas Instruments (TXN)

Total debt: $0
Cash & ST investments: $2.305 billion
YTD stock price performance: -4.95%

Historical Debt and Price Levels, Per Year
2007: $0 total debt, +15.97% share price
2008: $0 total debt, -53.53% share price
2009: $0 total debt, +67.91% share price

7. Gap Inc. (GPS)

Total debt: $0
Cash & ST investments: $2.481 billion
YTD stock price performance: -11.79%

Historical Debt and Price Levels, Per Year
2007: $513 million total debt, +9.13% share price
2008: $188 million total debt, -37.08% share price
2009: $50 total debt, +56.46% share price

8. Juniper Networks (JNPR)

Total debt: $0
Cash & ST investments: $2.317 billion
YTD stock price performance: +0.07%

Historical Debt and Price Levels, Per Year
2007: $400 million total debt, +75.29% share price
2008: $0 total debt, -47.26% share price
2009: $0 total debt, +52.31% share price

9. Broadcom Corp (BRCM)

Total debt: $0
Cash & ST investments: $2.044 billion
YTD stock price performance: +17.32%

Historical Debt and Price Levels, Per Year
2007: $0 total debt, -19.10% share price
2008: $0 total debt, -35.08% share price
2009: $0 total debt, +85.44% share price

10. Electronic Arts (ERTS)

Total debt: $0
Cash & ST investments: $1.996 billion
YTD stock price performance: -13.46%

Historical Debt and Price Levels, Per Year
2007: $0 total debt, +15.98% share price
2008: $0 total debt, -72.54% share price
2009: $0 total debt, +10.66% share price

11. Bed Bath & Beyond (BBBY)

Total debt: $0
Cash & ST investments: $1.644 billion
YTD stock price performance: -2.56%

Historical Debt and Price Levels, Per Year
2007: $0 total debt, -22.86% share price
2008: $0 total debt, -13.51% share price
2009: $0 total debt, +51.89% share price

12. Cognizant Tech Solutions (CTSH)

Total debt: $0
Cash & ST investments: $1.433 billion YTD stock price performance: +20.14%

Historical Debt and Price Levels, Per Year
2007: $0 total debt, -12.03% share price
2008: $0 total debt, -46.79% share price
2009: $0 total debt, +151% share price

13. Autodesk, Inc. (ADSK)

Total debt: $0
Cash & ST investments: $1.059 billion
YTD stock price performance: +4.76%

Historical Debt and Price Levels, Per Year
2007: $0 total debt, +22.99% share price
2008: $0 total debt, -60.51% share price
2009: $52m total debt, +29.31% share price

14. Expeditors Int’l of Washington (EXPD)

Total debt: $0
Cash & ST investments: $1.042 billion
YTD stock price performance: +14.84%

Historical Debt and Price Levels, Per Year
2007: $0 total debt, +10.32% share price
2008: $0 total debt, -25.54% share price
2009: $0 total debt, +4.51% share price

15. Novell Inc (NOVL)
Total debt: $0 
Cash & ST investments: $979.6 million 
YTD stock price performance: +48.67% 



Historical Debt and Price Levels, Per Year 


2007: $600m total debt, +10.81% share price  


2008: $126m total debt, -43.38% share price  


2009: $0 total debt, +6.68% share price

I have not yet researched any of these companies and do not know which, if any, will suit my or your portfolio.  What I do know is that these companies are in a strong position during these times of tight credit.  Investments in businesses without debt make good sense now.

Gary

How We Can Serve You

2013-2014 Super Thinking + Spanish – Writing to Sell – Investing & Business Course Schedule

Schedule 2013-2014  Super Thinking + Spanish  – Writing to Sell – Investing & Business Courses

Here are photos I took of Mt. Dora…

during…

its annual arts festival. 

Here is our Super Thinking + Spanish schedule for 2013 

June 21-22-23  Super Thinking + Spanish  St. Charles, MO  (Teacher Mark Frakes) Get details here 

July 5-6-7 Super Thinking + Spanish  Sarasota, FL  (Teacher Mark Frakes) Get details here 

July 12-13-14 Super Thinking + Spanish Kelowna, BC, Canada  (Teachers Shawn & Suzanne Bandick)           Get details here

August 16-17-18  Super Thinking + Spanish  St. Charles, MO  (Teacher Mark Frakes) Get details here 

September 27-28-29  Super Thinking + Spanish  St. Charles, MO  (Teacher Mark Frakes) Get details here 

October 4-5-6  Super Thinking International Investing & Business Seminar West Jefferson, NC    (Gary & Merri Scott)    

November 15-16-17  Super Thinking Writers Camp Mt. Dora, Florida (Gary & Merri)  Get details here

November 21-22-23 Super Thinking + Spanish Puerto Aventuras, Mexico (Teacher Suzanne & Shawn Bandick) Get details here

 For information more contact Cheri Hall at cheri@garyascott.com

Attend all seminars and courses and more FREE or at a discount as an International club member.  See details here.

2014

January 10-11-12,2014   Super Thinking + Spanish  Mt. Dora, Florida  (Gary & Merri Scott)

February 14-15-16  Super Thinking International Investing & Business Seminar  Mt. Dora, Florida (Gary & Merri Scott)

Enroll here $799.   Couple $999 

 

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Read 15 Companies with Zero Debt

We’ll see a global investing major market value update in a moment.

First, let’s look at this important data that Thomas Fischer at Jyske Global Asset Management (JGAM) just shared.

Thomas Fischer is Senior Vice President of Jyske Global Asset Management.

Thomas began his banking career in 1975. In 1978  he started in the trading room as a Foreign Exchange dealer, and spent the next 22 years trading currencies. During this trading career he spent 2 years in London and 10 years in Germany where he was head of the international currency section of a major German brokerage company.

During his time in Germany he successfully completed an MBA focusing on the external environment and corporate finance.  In 2000 he joined Jyske Bank Private Banking and was promoted to Manager of International Client Relations in 2001.

In 2008 Thomas joined the newly established Portfolio Management Company Jyske Global Asset Management (JGAM), as Senior Vice President.  He is  a member of JGAM’s Investment Committee focusing on our Foreign Exchange strategy.  He travels the world giving presentations about the markets and the investment opportunities at JGAM.

Yesterday’s message Global Investment Portfolios Focus looked at JGAM’s medium risk international investment portfolio.

This portfolio has been updated and Thomas wrote:  On July 15 JGAM’s Investment Committee held its monthly meeting, deciding on how to invest our managed portfolios. All trades agreed at the meeting have now been carried out and therefore we can publish the changes we have made.

The overall asset allocation remained at a neutral position in all asset classes except for a small overweight position on cash in low and medium risk portfolios.

However Thomas added more. Here is information on what the future that we should all be thinking about.

The markets have been caught in a verbal fight between optimists and pessimists. The latter group most prominently presented by Princeton University Economist Paul Krugman, has warned policy makers that the world is heading for the worst depression since the thirties.

Mr. Krugman has on many occasions warned that the US is in danger of falling into a deflationary trap. He is advocating for a much more aggressive stimulus plan as unemployment remains stubbornly high, with little job creation at private companies.

The Federal Reserve Chairman Ben Bernanke however, has been more optimistic and recently expressed that the US economy is on track to continue to expand in 2010 and 2011. World trade is up 20% year-on-year but is recovering from extremely low levels.

The optimists also argue, that the corporate sector should start investing soon and thereby improve the employment picture. When the corporate sector increases spending, nominal growth should pick up and help improve budget deficits.

According to The Economist magazine, the recent uncertainty may be down to a fundamental battle between bond investors who benefit from a debt deflation solution to the current crisis; and equity investors who gain more from a nominal growth solution to deficits. The jury is still out and with no clear indication of where we are heading, uncertainty will rule the market. We still believe that we are heading for a recovery and a growth scenario, but as long as the “war” between optimists and pessimists are raging in the media we maintain our neutral positions.

After four consecutive quarters with rising equity prices, Global equities had their first down quarter since March 2009. In the second quarter 2010, the Morgan Stanley Capital International (MSCI) World Total Return Index (with net dividends reinvested, December 1969 = 100) declined 11.2 % in local currencies, 12.7 % in US dollars and 3.5 % in euros.

So who will win out… the optimists or the pessimists?

Personally  I am prepared for either scenario.  In our last International Investing & Business Conference we looked at seven places to inest now that can prosper in either a positive or negative economic scenario.

#1:  Value Markets

#2: Multi Currency Spreads Increase Cash

#3: Emerging Markets

#4: Wellness

#5: Water Alternate Energy

#6: Truth & Cohesion

#7: Real Estate

Value holds a special place for investors and business people… local or global because value is another way of seeing distortions.  Distortions are vacuums and nature abhors a vacuum.  Imbalances will always correct themselves. To have success in investing or business… one simply has to spot good value.

Understanding value is the tricky part. 

This is why once a quarter we look at a major equity market valuation analysis by Michael Keppler.

If you are a new multi currency subscriber learn about Keppler Asset Management here.

For the last quarter to the end of June 2010, Keppler points out that  year to date, the MSCI World Index lost 7.1 % in local currencies and 9.8 % in US dollars. However, due to the 14.6 percent decline of the US dollar to 1.2249 versus the euro, the world equity benchmark index gained 5.6 % during the last six months, if performance is measured in euros.

Two markets advanced in the second quarter and sixteen declined. Denmark (+4.5 %), Sweden (+0.3 %) and Singapore (-0.1 %) performed best.

Japan (-14.8 %), Austria (-14.3 %) and Italy (-13.4 %) came in at the bottom.

Year-to-date, four markets are up and fourteen markets are down. The best performing markets in the first half of 2010 were Denmark (+21.7 %), Sweden (+8.8 %) and Belgium (+1.2 %). Spain (-21.4 %), Italy (-14.8 %) and Norway (-13.7 %) performed worst year-to-date.

Performance numbers are in local currencies unless mentioned otherwise.

The Top Value Model Portfolio currently contains the following six “buy” rated countries at equal weights:  Austria, France, Germany, Italy, Singapore and the United Kingdom. Keppler’s current ratings suggest that a combination of these markets offers the highest expectation of long-term risk-adjusted returns.

Keppler’s neutral value markets are now: Australia, Japan, Netherlands, Norway, Spain.

The low value (sell) markets are:  Belgium,  Canada, Denmark, Hong Kong,  Sweden, Switzerland and USA.

Keppler also added:  As the chart below indicates, our implicit three-to-five-year projection for the average annual gain of the Equally-Weighted World Index now stands at 14.3 % p.a., up from 11.9 % three months ago.  The two main reasons for this increase are (1) the Index dropped by 9 % during the second quarter and (2) fundamentals have improved: Earnings are up 16.6 % — the larger part of the increase coming from disappearing write-offs — and dividends grew by 4.1 %. In addition, the low interest rate environment makes stocks look attractive.

Keppler’s implicit three-to-five- year projection provides some profound clues about how to invest and conduct business ahead.

His statistics suggest to me that the economy and markets are still going to grow.  The pessimists… according to my interpretation of these numbers… lose.

This is not the only indicator I track that suggests positive days ahead… not immediately… but over the next three to five years.

From now until October offers a special micro window of opportunity…. maybe one of two before 2002… when the next 15 to 17 year bull cycle will begin.

Right now seasonality is dragging markets down until around November.  Perhaps we’ll see one more good bear pull April to November 2011.  Then the recovery will begin in earnest. From now until then, history suggests times will be bleakest… a great time to find good value.

Thomas Fischer also mentioned the beauty of Denmark’s summer and wrote:

Summer has arrived in Denmark and we are basking in glorious sunshine. We hope the weather will “perform” for the next few months and thus create a warm background for our August Copenhagen seminar.

We have a range of world class speakers and should have some really exciting presentations. We will furthermore have excursions allowing you to get a closer look at our beautiful city. We will conclude the seminar Saturday evening with a gala dinner and opera arias performed by some of the best Danish opera singers from The Royal Danish Opera. We hope you will take this opportunity to come to Copenhagen and experience some renowned Danish “hygge”/coziness. You can see the whole program and a short video at the below link at http://jgam.com/copenhagen-seminar-2010

When we forwarded the invitation in April the price was approx. $2,050 per person in a double room, but since then the USD has strengthened against the Danish Kroner and the price today is approx. $1,700. The price includes accommodation including breakfast at the Copenhagen Marriott Hotel just voted the best hotel in Denmark, reception at our offices, seminar fee, excursions, lunches and a gala dinner with entertainment and dancing.

Danes have been voted the happiest people in the world and now we also have the best restaurant in the World. The restaurant is called NOMA which is a concatenation of the two Nordic names Nordisk (Nordic) and mad (food). The chef, Rene Redzepi, uses only Scandinavian ingredients and how about this for a starter: crunchy baby carrots served with edible “soil” made from malt, hazelnuts and beer, with a cream herb emulsion beneath.

Our slogan “Global investments with a personal touch” is not just a slogan we really enjoy any opportunity to meet with our clients and friends. We sincerely hope that you will join us in August in Wonderful Copenhagen.

See details on how to join Merri and me at Jyske’s bi annual Copenhagen seminar here Global Wealth Management Seminar.

Merri and I walk  the waterfront every day when we are in Copenhagen.  We love…

the sights, the…

cafes and…

open air.

Merri and I hope to meet you in Denmark in August!

Gary

How We Can Serve You

2013-2014 Super Thinking + Spanish – Writing to Sell – Investing & Business Course Schedule

Schedule 2013-2014  Super Thinking + Spanish  – Writing to Sell – Investing & Business Courses

Here are photos I took of Mt. Dora…

during…

its annual arts festival. 

Here is our Super Thinking + Spanish schedule for 2013 

June 21-22-23  Super Thinking + Spanish  St. Charles, MO  (Teacher Mark Frakes) Get details here 

July 5-6-7 Super Thinking + Spanish  Sarasota, FL  (Teacher Mark Frakes) Get details here 

July 12-13-14 Super Thinking + Spanish Kelowna, BC, Canada  (Teachers Shawn & Suzanne Bandick)           Get details here

August 16-17-18  Super Thinking + Spanish  St. Charles, MO  (Teacher Mark Frakes) Get details here 

September 27-28-29  Super Thinking + Spanish  St. Charles, MO  (Teacher Mark Frakes) Get details here 

October 4-5-6  Super Thinking International Investing & Business Seminar West Jefferson, NC    (Gary & Merri Scott)    

November 15-16-17  Super Thinking Writers Camp Mt. Dora, Florida (Gary & Merri)  Get details here

November 21-22-23 Super Thinking + Spanish Puerto Aventuras, Mexico (Teacher Suzanne & Shawn Bandick) Get details here

 For information more contact Cheri Hall at cheri@garyascott.com

Attend all seminars and courses and more FREE or at a discount as an International club member.  See details here.

2014

January 10-11-12,2014   Super Thinking + Spanish  Mt. Dora, Florida  (Gary & Merri Scott)

February 14-15-16  Super Thinking International Investing & Business Seminar  Mt. Dora, Florida (Gary & Merri Scott)

Enroll here $799.   Couple $999 

 

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Here is an emerging market value update.

Yesterday’s message looked at the importance of value in major markets and reviewed the six best value markets now.

Value is the harmonious aspect of existence that wishes to fill every void.  Value is the ecstasy that harmonizes away the agony of imbalance.

This is why once a quarter we look at a major equity market value analysis by Michael Keppler.

If you are a new multi currency subscriber learn about Keppler Asset management here.

Keppler’s latest analysis shows that in the first quarter of 2010 Emerging Markets recorded their fifth consecutive quarterly gain. The
MSCI Emerging Markets Total Return Index (December 1988 = 100) gained 2.4 % in US dollars and 8.6 % in euros. The last time the index traded at these levels was in mid 2008. Over the last  12 (15) months, the MSCI Emerging Markets Index advanced 81.1 % (82.8 %) in US dollars and 77.7 % (87.8 %) in euros.

The euro, which stood at 1.3901 versus the U.S. dollar at year-end 2008, at 1.4348 at the end of 2009 and at
1.3531 at the end of March 2010, lost 2.7 % versus the dollar over the last 15 months and 5.7 % year-to-date.

Of the three regional indices, Asia gained 1.3 %, Europe Middle East and Africa (EMEA) advanced 6.2 % and
Latin America returned 1.6 % during the first quarter. Over the last 15 months, the respective total returns were
75.9 % for Asia, 78.1 % for EMEA and 107.1 % for Latin America. Performance numbers are in US dollars unless
mentioned otherwise.

Eighteen markets advanced and four markets declined in the first quarter.

Thailand (+13.2 %), Hungary (+12.6 %) and Egypt (+11.9 %) performed best year-to-date.

Taiwan (-3.8 %), China (-1.6 %) and the Czech Republic (-0.2 %) came in last.

Over the last fifteen months, all twenty-two markets covered here had positive total returns, even though Morocco only managed to eke out a 1 % gain during that period; fourteen markets had double-digit returns and seven markets yielded more than 100 percent.

There are nine top value (“buy”) emerging markets: Brazil, the Czech Republic, Egypt, Hungary, Poland, Russia, Taiwan, Thailand and Turkey.

According to Keppler’s performance ratings, these markets offer the highest expectation of long-term risk-adjusted returns.

Neutral value emerging markets are: China, Colombia, Israel, Malaysia, Mexico, Morocco, Peru, Philippines, South Africa.

Poor value markets are:  Chile, India, Indonesia and Korea.

See more on value on Ecuador here.

Gary

How We Can Serve You

2013-2014 Super Thinking + Spanish – Writing to Sell – Investing & Business Course Schedule

Schedule 2013-2014  Super Thinking + Spanish  – Writing to Sell – Investing & Business Courses

Here are photos I took of Mt. Dora…

during…

its annual arts festival. 

Here is our Super Thinking + Spanish schedule for 2013 

June 21-22-23  Super Thinking + Spanish  St. Charles, MO  (Teacher Mark Frakes) Get details here 

July 5-6-7 Super Thinking + Spanish  Sarasota, FL  (Teacher Mark Frakes) Get details here 

July 12-13-14 Super Thinking + Spanish Kelowna, BC, Canada  (Teachers Shawn & Suzanne Bandick)           Get details here

August 16-17-18  Super Thinking + Spanish  St. Charles, MO  (Teacher Mark Frakes) Get details here 

September 27-28-29  Super Thinking + Spanish  St. Charles, MO  (Teacher Mark Frakes) Get details here 

October 4-5-6  Super Thinking International Investing & Business Seminar West Jefferson, NC    (Gary & Merri Scott)    

November 15-16-17  Super Thinking Writers Camp Mt. Dora, Florida (Gary & Merri)  Get details here

November 21-22-23 Super Thinking + Spanish Puerto Aventuras, Mexico (Teacher Suzanne & Shawn Bandick) Get details here

 For information more contact Cheri Hall at cheri@garyascott.com

Attend all seminars and courses and more FREE or at a discount as an International club member.  See details here.

2014

January 10-11-12,2014   Super Thinking + Spanish  Mt. Dora, Florida  (Gary & Merri Scott)

February 14-15-16  Super Thinking International Investing & Business Seminar  Mt. Dora, Florida (Gary & Merri Scott)

Enroll here $799.   Couple $999 

 

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