Tag Archive | "garyascott"

Positive Longevity


There is longevity in positivity.

gary-scott-seminar

Delegates in a super thinking session at our Spanish course.

Be positive… for your good health and for the health of those around you.

According to an article in the Journal of Personality and Social Psychology entitled “Positive emotions in early life and longevity: Findings from the nun study: by Danner, Snowdon and Friesen”, positivity can have an impact on longevity.

An abstract of the article says: Handwritten autobiographies from 180 Catholic nuns, composed when participants were a mean age of 22 years, were scored for emotional content and related to survival during ages 75 to 95.

A strong inverse association was found between positive emotional content in these writings and risk of mortality in late life.

As the quartile ranking of positive emotion in early life increased, there was a stepwise decrease in risk of mortality resulting in a 2.5-fold difference between the lowest and highest quartiles.

Positive emotional content in early-life autobiographies was strongly associated with longevity 6 decades later.

Super-thinking-course

Delegates in a Super Thinking session at a Writer’s Camp.

This is also why we use Baroque Music in the Super Thinking sessions at all our seminars and courses.  Super Thinking creates a state of relaxed concentration and reduces stress.  But one might ask how does this work.

Negativity and stress can be created by insufficient serotonin.

An article at womenshealth.com entitled “Negativity and Your Health – How Stress Can Make You Sick” says:  Stressful environments. Jobs that impose high demands for output of services or products but allow workers little control over how those demands are met have been termed high-strain jobs. Psychologists Robert Karasek, PhD, of the University of Massachusetts, and Tores Theorell, MD, PhD, of the Karolinska Institute in Stockholm, Sweden, have documented that people working in high-strain jobs are more likely to develop high blood pressure, infections, and job-related injuries, as well as heart disease.

This clustering may be the result of reduced brain levels of the chemical serotonin, a neurotransmitter that nerves use to relay messages to one another. When serotonin levels are low, we are more likely to be angry, depressed, and anxious; to be less interested in relating to other people; to have greater fight-or-flight responses when stressed; and to smoke, drink, and eat more than is good for us.

If true, this theory could point to the brain’s serotonin system as a key neurobiological mechanism that regulates our ability to be in control. Two studies have found weaker brain serotonin function in persons with lower income and education levels.

In his most recent research, Redford has begun to study how genes that are involved in regulation of serotonin affect all of these health-damaging psychosocial, biological, and behavioral characteristics.

gary scott super thinking session

Delegates in a Super Thinking session at our  Investing and Business Seminar.

How are Baroque Music, Super Thinking and serotonin connected?

An article at classicalforums. com entitled “Effect of Classical Music on the Brain” helps us understand the connection between baroque music and serotonin.  Here is an excerpt (bolds are mine).

Classical music affects the brain’s organization and abilities, through its melody and rhythm.  The rhythm raises the level of serotonin produced in your brain.

Serotonin is a neurotransmitter, involved in the transmission of nerve impulses that helps maintaining joyous feelings. When the brain produces serotonin, tension is eased.

In fact depression is a consequence of the scarce production of this hormone. Serotonin is released when the brain is “positively shocked”. For instance: if we look at a splendid painting, smell a delicious scent, feel an extraordinary sensation, eat something delicious or listen to some charming music, then the brain lets off a certain amount of serotonin which arouses and maximizes pleasant feelings. Music’s rhythm can also stimulate other natural cadencies of the body, resembling the heartbeat, or the Alfa-rhythm of the brain, and this effect is used to counter the development of clinical depression. The melody instead, is the “sparkle” that catalyses the creative process in our minds.

One way we become more positive is with music.

Music opens our awareness in different ways depending on the type of music.  I am not sure anyone knows entirely why… but music has been used by cultures almost since time began.   The use of music can run from romantic to a military march to patriotic songs to music that helps us exercise better.

One fact about music that is known is that certain types of music affect humans in the same way regardless of color, race, religion.  Sad music can make all people sad. Happy music can make all people happy!

from wsjatricle

Photo from Wall  Street Journal article entitled “Looking for a perfect tune for your workout?”

Here is an excerpt:  Researchers have identified the optimal tempo for music to improve exercise and shown that music can increase oxygen intake and stamina. WSJ Your Health columnist Sumathi Reddy reports.
Research has found that at the right tempo, music can reduce the sense of exertion as well as boost motivation. Costas Karageorghis, deputy head of research at the School of Sport and Education at London’s Brunel University, says the “sweet spot” for workout music is between 125 and 140 beats per minute when people aren’t trying to time their movements to the music. Previously, experts believed that the faster a person exercises, the faster the music tempo should be.

Other new studies have shown that when athletes synchronize their movements to a musical beat, their bodies can handle more exertion: Treadmill walkers had greater stamina and cyclists required less oxygen uptake. And swimmers who listened to music during races finished faster than others who didn’t.

“Music can alter emotional and physiological arousal much like a pharmacological stimulant or sedative,” says Dr. Karageorghis, who has worked as a consultant psychologist to music and sports-equipment companies and for Olympic athletes. “It has the capacity to stimulate people even before they go into the gym.”

Music can help you work out.  Music can also help you learn and know more.

Power in Baroque Music

To gain from these facts, Merri and I listen to 60 beat ten cycle classical music… recommended by Dr.Georgi Lozanov, the great Bulgarian educator.

You could count the number of times we have missed our meditation routine in the last 20 years on one hand.

The frequencies in silence, meditation and music have been proven many times, in many ways to improve health and intelligence.

Here are some ideas and music that could improve health and intelligence.

The system Lozanov utilized is three types of music in three phases to enhance absorption, retention and recall.

The first phase uses introductory music, along with deep breathing exercises, for relaxation and to move the mind into an Alpha state. This is where the health benefits seem to begin as well. Blood pressure can drop, heart rate slows and the mind becomes calmed.

Next, an active concert is heard. At this stage, the information to be learned is read.

Finally, a passive concert is used as the new information is again reviewed. This Baroque music and its beat help put the mind in a state where the information absorbed shifts into long-term memory.

For example, here are some ideas and music that can improve your health and intelligence and how I would research some new idea or study something new.

First, I would meditate (or practice some form of slow yoga or breathing exercise) for 20 minutes, then listen to relaxing Baroque music such as Handel’s Water Music. (Click to listen)

This process tunes our minds into nature’s deeper wisdom, tunes us into the wisdom of silence where the noise of our logic is not heard. This creates what seems to be extraordinary intelligence but is really just taking us to the deeper levels of wisdom we all (as creations of nature) possess.

Being positive is good for creativity, happiness and longevity… whenever you work or learn, it’s a good idea to find a way to gain super thinking and positive good health!

Gary

Be More Intelligent With Super Thinking Routines

Here is a way to increase intelligence and reduce fear.

Two points almost everyone agrees on about the future are… first we need to be smarter to keep up with the faster pace of change… and second the world’s economy has and will continue to globalize.

Be smarter as the world turns faster.  Super Thinking tactics in our courses help create new income opportunity and also can improve health.

A Wall Street Journal article entitled “Ways to Inflate Your IQ” says: Many people think of IQ as a genetic trait, like brown eyes or short legs: You’re born with it and you’re stuck with it. Now, a growing body of research is showing that a person’s IQ can rise—and even fall—over the years.

Scores can change gradually or quickly, after as little as a few weeks of cognitive training, research shows.

In the latest study, 33 British students were given IQ tests and brain scans at ages 12 to 16 and again about four years later by researchers at the Wellcome Trust Centre for Neuroimaging at University College London; 9% of the students showed a significant change of 15 points or more in IQ scores.

On a scale where 90 to 110 is considered average, one student’s IQ rose 21 points to 128 from 107, lifting the student from the 68th percentile to the 97th compared with others the same age, says Cathy Price, professor of cognitive neuroscience at the center and co-author of the study, published last month in Nature.

Swings in individual IQ scores are often written off as the product of measurement error or a test subject having a bad day. But MRIs in this study showed changes in gray matter in areas corresponding to fluctuations in the kids’ skills, Dr. Price says.

There are practical steps people can take to see longer-term IQ changes. A 30-year study at the National Institute of Mental Health found that people whose work involves complex relationships, setting up elaborate systems or dealing with people or difficult problems, tend to perform better over time on cognitive tests. Test scores of people whose jobs are simple and require little thought actually tend to decline, according to the research, published in 1999 in Psychology and Aging.

New tasks stimulate the brain most. When researchers at the University of Hamburg subjected 20 young adults to one month of intense training in juggling, they found an increase in the corresponding gray matter in the brain as early as seven days after the training began.

Fluctuations in IQ scores over time underscore the brain-boosting benefits of a complex job, musical training, advanced schooling and new experiences throughout a lifetime.

Music lessons are linked to higher IQ throughout life, according to research by E. Glenn Schellenberg, a psychology professor at the University of Toronto at Mississauga. Six years’ lessons lifted children’s IQ scores an average 7.5 points.

Super Thinking Tactics improve the brain through the use of music.  The Super Thinking Story.

The educational program Merri and I have developed uses a form of brain wave integration that opens enormous opportunity for expansion, understanding, peacefulness as well as greater wealth. We are sharing this in depth program that teaches Super Thinking.

Super Thinking uses frequency (in music and a number of other ways) to integrate brain waves so the process of absorbing, processing and recalling information is vastly accelerated. This brings forth the three C’s: Calm, Clarity and Coherence.

How the Super Learning History Brings Opportunity to You Now:

Our Super Thinking programs are not gimmicks or tricks… just advanced education.

Merri and I are explorers. Our business began 46 years ago (May 1968) and we continue to always look for what’s next… trying to stay on or ahead of the leading edge.

This process helped us create the totally unique system we use that incorporates numerous tactics.

The first tactic is to use Baroque music in the learning process. At least three best selling books, “Superlearning”, the “Mozart Effect” and “Superlearning 2000″ have revealed insights about how to learn and think more powerfully based on systems drawn from the Bulgarian educational master, Dr. Georgi Lozanov.

This one tactic alone is so powerful that Small Business Innovation Research… an official site of the US government granted over $100,000 for the specific purpose they said was: to provide a method to remove barriers which hinder or prevent the employment of blind persons. An innovative method call the Lozanov learning system is proposed to help train blind persons to become computer programers and operators of automated equipment.

Merri was among just a few who learned directly from Dr. Lozanov the one time he visited the USA and is licensed in these techniques.

Merri has enhanced this system with numerous other tactics. One is to make slight alterations in nutrition. Altered nutrition can make anyone a person 25% smarter. These two tactics are just part of seven, easy to use learning techniques that help gain any skill, from computers to athletics to conversational languages… in much less time than traditional learning techniques… often two-to-five times faster, in exciting and innovative ways…but most of all it is a system that is stress free and full of fun.

Our Super Learning System helps in innumerable walks of life. This is why the second year of our teaching program offers extra opportunity for you now.

Problems Can Create Opportunity

There is a huge and growing problem of accelerating change that requires accelerated learning. You can use a Super Thinking focus in every aspect of your life including your business… shifting our mental process into overdrive.

Super Thinking works by focusing on the learner first… the data second. This system “grows the learner” rather than just expands the information. The explosion of data we must all process every day means there is too much information to process already. Let’s view this learning in terms of plumbing to outline what “Growing the Learner” means.

If you have 4.5 inches of information flowing through a 4 inch learning pipe, the solution is not to add another inch of information. The answer is to first create a six inch pipe and then an even larger pipe…a never ending expansion of abilities!

Share our 50 years of Experience

When it comes to having a micro business in online publishing, seminars, courses and tours, there are few people with more experience than Merri and me.  Over 49 years we have organized, marketed and conducted thousands of tours for tens of thousands in dozens and dozens of countries (even behind the Iron Curtain).  This course shares how we have done this… what we did right… what we did wrong… and what you can do better.

Super Thinking Goes Way Beyond Spanish

Our training teaches an effective way to teach languages but covers much more many… perhaps all fields of education.

For example. We teach Super Thinking Business seminars that show how these mind expanding tactics can be applied to starting and running a business, to forex trading and investing. Athletes of all types… golfing being one common sport benefit. The Soviet Union… even though a third world country… excelled in the Olympics… as well as beating the USA into outer space… because it integrated FM teaching tactics as developed by Dr. Georgi Lozanov (one of Merri’s teachers) into its educational system.

Our Super Thinking plan goes far beyond Lozanov and allows you to enhance every part of your life.

Order our online report with Super Thinking Relaxation session here ($19.95)

Gary

See government grant records on teaching blind persons with the Lozanov method

Read Wall Street Journal article Ways to Inflate Your IQ

See how we use Baroque music to learn Spanish in three days.

Learn Spanish in Three Days in Ecuador or Panama

Learn Spanish in Boquete, Panama June 16-17-18, 2017.

Learn Spanish in Cuenca, Ecuador June 2-3-4, 2017.

panama

Boquete, Panama

cuenca inn

Cuenca Ecuador

Speaking Spanish is a huge benefit on its own.  You can become one of the rare North Americans who can get along in Spanish speaking countries.  You can be one of the special people who can communicate with 10 million non-English speakers in the USA.  Spanish is the second most used language in the USA.  There are more Spanish speakers than speakers of Chinese, French, German, Italian, Hawaiian, and the Native American languages combined.  According to the Census Bureau, Spanish is the primary language of nearly 50 million people in the US.  This is the largest Spanish-speaking community outside of Mexico. Only half of these speakers also speak English “very well,” and 19% do not speak Spanish at all.

You can tap into all this potential when you speak Spanish.  Yet there are more benefits.

An article in England’s leading newspaper, the Telegraph, entitled “Why learn a foreign language? Benefits of bilingualism” (1) sum up the biggest benefit of learning a second language and increased intelligence.  The article says: “Learning a foreign language is more than just a boost to your CV or handy for traveling.  It will make you smarter, more decisive and even better at English.  Physiological studies have found that speaking two or more languages is a great asset to the cognitive process.  The brains of bilingual people operate differently than single language speakers, and these differences offer several mental benefits.”

The article then explains studies that show seven cognitive advantages gained from learning a foreign language.

#1:  You become smarter
#2:  You build multitasking skills
#3:  You stave off Alzheimer’s and dementia
#4:  Your memory improves
#5:  You become more perceptive
#6:  Your decision-making skills improve
#7:  You improve your English

This is why you might want to visit Ecuador or Panama and learn Spanish in just three days.

Does it sound impossible to learn Spanish in three days?  Yes, it is impossible when you try to learn Spanish in the old, traditional way.

However, there is a scientific method of learning… proven and described in numerous best selling books that create educational jumps by making education natural, easy and fun.   This course works because it is education without stress!

This method was created and refined by the Bulgarian educational master, Georgi Lozanov, who transformed the entire Soviet educational system to such a degree that this third world country beat the USA into space.

Merri was lucky to be one of a handful of students outside of Bulgaria who were allowed to be taught this system in the early 70s.  She practiced this unique and remarkable form of education for  four decades. It was a delight!

Merri and I began integrating these techniques with other shamanic and educational tactics we had gained in our global travels and then applied them to teach Spanish in three days.

The course has been proven again and again by the thousands who have used this system.  You can read a few of the many raves we have received from delegates who have learned from the Super Thinking Spanish course we created.

Here are a few quotes from delegates of the course.

One delegate from St. Louis wrote:  Hi Gary,  Just ended forty-five years in dentistry last week, and I’m on to a new career.  What is my new career?  Still formulating, but the eye -opening,mind expanding Super-Spanish course last weekend in St. Louis surely shows me the opportunity exists to expand my horizons.

Besides having a lot of nice people to learn our new language; the methods Merri and you developed proved to be just what you said they would be.  We all and I in particular relaxed our way to new learning.  I feel so very comfortable with the basis of my new language skills that I know I will be spitting out great Spanish sentences by the time I reach Ecuador in October.  Last year I spent six weeks in Ecuador and now I plan on conversing with the people.

Today’s excerpt of your newsletter really hit home. You do what you say you will. There are no surprises or hidden sales tricks. The only tricks are beneficial to our learning.  Thank you for a wonderful experience that I was quite unable to grasp how you would pull it off.  You did, however, and I look forward to other courses that you offer, and I have absolutely no doubt they also will work beneficially.  Best regards, Denis Molloy.

Another wrote about the Super Spanish course:   Buenos Dias, here is a testimonial for Super Thinking-Super Spanish.  Please feel free to use all or part in promotions for the course.  In addition, you may give my email address to any prospect “on the fence” about enrolling.  Yesterday, in Cotacachi, Ecuador, I finished Super Spanish.  I had high expectations for the course and they were exceeded.

After three days, I can speak Spanish in complete sentences. In simple conversations, such as buying groceries or ordering a meal, I can make myself understood. I think that’s incredible!

Although I am far from the competence level of a native speaker, I feel I’ve taken a giant step forward in learning Spanish so that I can experience the people and culture of Ecuador.  The foregoing benefits would have more than justified the time and money I invested in Super Spanish.  And learning some Spanish was not the most important benefit I got from the course.

Prior to leaving the USA, I had felt for some time that the pace of life there was unhealthy for me (and for most people) and I did nothing about it.

I’ve thought about the pace issue during the course.  One of the key elements Merri Scott designed into Super Spanish is placing the student in the optimal state for learning.  In class, the past three days, I’ve been re-introduced to guided journeys and introduced to the calming effects of Baroque music (www.sundaybaroque.org).  What a blessing! I’m inclined to make one or both a daily part of my life.   Rob Christi.  Cotacachi, Ecuador

Another attendee from a course wrote:   “I took this incredible class a few weeks ago, and I would like to tell anyone that is interested, that it is an amazing three days of learning with lots of laughs included. You leave everyday wanting to learn more and are so excited to do so.

“Other Spanish classes and tutoring made us feel like it would take forever to get to the point where we could put it into practice, but this method gave us a more fluent use for everyday life almost immediately AND the confidence to use it.  It is a fantastic way to show people how much they know and give confidence to learn and use Spanish creating a momentum.

“They made learning Spanish easy and fun in a very relaxed, comfortable atmosphere.  I would definitely recommend this course.  Even if you know some Spanish, this helps make it easier because of the less stress that no verb conjugations gives you.  This gives you more confidence in yourself to try and speak it more.

 “The stress free atmosphere and tons of interaction and participation were very conducive to learning.  The relaxation techniques alone are worth the price.  The fact that I can now feel more comfortable conversing in Spanish with my new friends and neighbors is priceless.  Muchas, muchas gracias.”

“I loved the relaxed environment.  I picked up quite a lot of new vocabulary.  I found this course very informative about how the language works, how I can make sentences and understand others better!  Muchas Gracias!  I had a call from Telcel (the local phone company) after our second class and I was able to speak and understand them for the first time. Despacio (meaning slowly) … a great word!  Everyone should take this course before they pick up bad habits.”

“I liked how simply the course was organized and the positive attitude about learning.  Thank you so much for helping me to learn Spanish!”

“I liked the laid back yet professional approach.  I highly recommend this new, relaxing method of learning Spanish,  I feel a lot more confident in the delivery of my words and sentences. It was taught in an excellent and very professional way.

“It was a very enjoyable class.”

How this Course Works in Just Three Days:

The first tactic is to use Baroque music in the learning process.  At least three best selling books, “Superlearning”, the “Mozart Effect” and “Superlearning 2000” have revealed insights about how to learn and think more powerfully based on systems drawn from the Bulgarian educational master, Dr. Georgi Lozanov.  Merri Scott was among just a few who learned directly from Lozanov.

The second tactic uses 17 unique lessons to provide Spanish fluency in a short time.   Let me prove to you how this tactic works by teaching you hundreds of Spanish words in less than 30 seconds.

Here is the proof.

“Most words in English that end in ION are almost identical, just pronounced differently.  For example action is accion, education-educacion, manipulation- manipulacion, etc.”

There you have it.  How long did it take you to read the sentence?  You now know hundreds of Spanish words that you will never forget.

See examples of the words you already know below.

How long would have taken you to memorize all those words?  How soon would you have forgotten them?

This is just one of seventeen Spanish lessons in the course.

The next lesson teaches how to pronounce each of the nouns.

Then, the third lesson teaches almost as many verbs, almost as quickly.

The fourth lesson shows how to avoid conjugating verbs by sticking with the infinitive (far easier than it sounds).  This simple lesson leaves a person sounding like a Spanish professor without ever conjugating a verb.

Lesson five shows how to sound infinitely polite and yet get almost anything desired in Spanish.

Lesson six gives valuable connectors and the seventh lesson triples the Spanish capacity with three words for “yesterday,” “now” and “tomorrow”.

By the end of three days you feel comfortable speaking Spanish.

Plus the system is Impro-Dynamic.  This means your Spanish keeps getting better even though you do not seem to be studying… practicing… or speaking Spanish.

I was amazed by this as I traveled back and forth from the USA to Ecuador.  The longer I was away from Ecuador… the better my Spanish became.  My second language was automatically improving The self improving feature comes because you learn to create Spanish sentences rather than remember them.  The portion of the brain that creates is more powerful than the portion that recalls.  When your mind creates something… it owns it!  You do not have to remember .

During the course you learn 4005 Spanish words that you already know .  

You then learn how to create Spanish sentences from these words.

Throughout the course you learn how to pronounce the sentences you create.

When the course ends… the mind keeps working… and creating… so next time you begin to speak Spanish you’ll be surprised .  You improve even though you have not actively worked on your lingual skill.

Learn Spanish in Cuenca, Ecuador.  Super Spanish teacher, Rick Brown, will be teaching a Super Spanish course in Cuenca, Ecuador  June 2, 3, 4 2017. 

Cuenca Super Spanish $349.    Cuenca Super Couple $499.

Rick teaches the course again in Boquete, Panama June 16,17,18.

Boquete Super Spanish Course $349.   Boquete Super Spanish Course Couple $499.

rick-brown-canada-Spanish-course

Rick Brown, Super Spanish teacher, lives in Cuenca, Ecuador and Toronto, Ontario.

The Boquete course will be conducted at the Valle Escondido Golf and Spa Resort..

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Valle Escondido Golf and Spa Resort.  The guest rooms feature DVD players and LCD televisions, private balconies or patios, complimentary wireless Internet access and cable programming.  The resort provides concierge services, lush gardens,  pool and beach, spa tub, fitness facilities, golf course, tennis court, massage, sauna, spa, and steam room.

The Ecuador course will be conducted at the Cuenca Inn B&B located at Don Bosco and Santa Maria Streets in Cuenca, Ecuador.

Cuenca Inn

Cuenca Inn Courtyard.

The Inn itself is in a large home well back from the road.  It has four good sized guest rooms, two with bathroom en suite and TVs.

Cuenca Inn

There is  a wonderful large central covered courtyard with TV, a central fire pit and lots of plants.

Cuenca Inn

TV room for guests.

The Inn is very well appointed and the ambiance is warm and conducive to the comforts of a home away from home.  Internet/WIFI is good and is available to guests for long distance calling, along with pre-loaded local cell phones.

Cuenca Inn is offering  course delegates a 20% discount on room rates and a hearty and warm welcome to Cuenca.  You can make reservations or get further details  from Bill Dixon at billdixon700@hotmail.com.

Learn Spanish in Cuenca, Ecuador.  Super Spanish teacher, Rick Brown, will be teaching a Super Spanish course in Cuenca, Ecuador  June 2, 3, 4 2017. 

Cuenca Super Spanish $349.    Cuenca Super Couple $499.

Rick teaches the course again in Boquete, Panama June 16,17,18.

Boquete Super Spanish Course $349.   Boquete Super Spanish Course Couple $499.

Here are more testimonials from previous Super Spanish Courses.

Maggie wrote: It didn’t really seem possible that we would be speaking and understanding Spanish in only 3 days but the course made it happen in a very supportive learning environment.  I would highly recommend this course for anyone wishing to learn “practical Spanish”.  The teaching methods, use of relaxation, the use of native Spanish speakers for pronunciation and the teachers themselves who were approachable and helpful and always positive made this a very valuable class.

This course improved my self confidence in my ability to learn and retain a language.  It was presented with genuine enthusiasm, great energy and the style of learning is very effective. Gracias!  It was a great experience.

Nadine wrote: “Just spent the last 3 days in the most wonderful learning environment learning Spanish.  What an amazing learning experience!!  First day out of class and I could not stop thinking in Spanish WOW!!  I am amazed by how much I learned, retained and how much more is showing up now that I am out of class.  And the best part is THERE WAS NO STUDYING!! Indeed this is Super Thinking!!!  I would highly recommend this to anyone that has ever had a desire to learn another language or learn anything in record time.

And a few days after that ….  As I went through my day, just hanging out with my son, I could see myself starting to think in Spanish.  At first I thought it was amusing but as it continued and increased I thought “My goodness this is really remarkable amazing” It was really an effortless unfolding.  I wasn’t at any point “trying” to think in Spanish, just words I knew would fly across the screen in my mind.  And then this afternoon, my son cuddled up on the couch to watch some cartoons on his ipad and was watching Peppa Pig in Spanish…hmm coincidence?  I think not, I’m radiating Spanish so much that my son is being influenced!  Thanks a million again.  This weekend the best learning experience of my life!!

If you have ever had a desire to learn Spanish this is the way to do it!  By the end of the first day I had more confidence and more practical ability than I had from any previous courses I had taken.  It was fun and relaxed and full of laughter.  You will leave this class excited to use what you have learned.  Rather than leaving overwhelmed with how much you have yet to learn and master, you are equipped with the knowledge and know how to go out and communicate as well as the excitement to do it!”

Gary noted:  “The whole approach is positive and conducive to learning at a level that benefits ALL participants.  It is not intimidating and does not set up a pass/fail atmosphere.  The presenters are terrific and the results unbelievable.  It was relaxed, informal, friendly and effective.”

Twila said:  “This class provided a very refreshing and relaxed way of learning.  The atmosphere felt very safe to say the words you were practicing.  I learned a lot in a way that will make it easy to apply.  Starting with conversation is way more fun.  How quickly you can learn!  It was a great group, great instructors and great stories.

The atmosphere in the classroom was so relaxed that learning Spanish felt like a breeze and not like a painful task.  The relaxation exercises are really conducive to language learning.  We learned A LOT in a short time and it was fun and the environment was non-threatening.”

Brigitte sent this:  “Buenos Dias, Suzanne. su clase de espanol es excelente! Muchas Gracias!  
I have already done what you suggested and went into the program listening to the music and going over the lessons.  I know: Repetition……reinforcement…..thinking in the new language….it’s all part of it.  I loved your course and will certainly recommend it to friends.  Who knows….I might feel the urge and have the opportunity to repeat it at your beautiful place in Puerto Aventuras…..Quien sabe? Hasta otro dia y saludos a su familia.”

Marie wrote:  “I would highly recommend this course.  The amount covered in 3 days is amazing!  All with no stress.  The correlation lessons and pronunciation practice has greatly reduced my anxiety to go out and use my Spanish.  I really enjoyed the whole process and thank you for the take away tools.”

Learn Spanish in Cuenca, Ecuador.  Super Spanish teacher, Rick Brown, will be teaching a Super Spanish course in Cuenca, Ecuador  June 2, 3, 4 2017. 

Cuenca Super Spanish $349.    Cuenca Super Couple $499.

Rick teaches the course again in Boquete, Panama June 16,17,18.

Boquete Super Spanish Course $349.   Boquete Super Spanish Course Couple $499.

Gary

Here is the English translation of a few of the many Spanish words you now know and will never forget.  How long would it have taken you to memorize them?  How soon would you forget?

“Most words in English that end in ION are almost identical, just pronounced differently.  For example, action is accion, education-educacion, manipulation- manipulacion, etc.”

Some more of these words:  Combination, Attrition, Education, Vacation, Petition, Lotion, Motion, Construction, Abduction, Pronunciation, Concentration and a ton of others!

(1) www.telegraph.co.uk Benefits-of-bilingualism.html

Links for further research

How Stress Can Make You Sick

Effect of Classical Music on the Brain

The Power of Positive Resilience


How can we find positive solutions in a negative world?

I took this photo of a small shop in Mt. Dora, Florida because the sign was worth remembering.

Painters bench

“Let the beauty of what you love be what you do”.   Having a way to do what you love brings positive energy.  When there is so much confusing data that our logic fails, escape the tyranny of reason by following your emotions and intuition.

This is part five of the 13 factors of resilience.  Resilience is armor against the changes in life that can wear us out.   Life is never ending change so we need ever lasting qualities that help us continually adapt and progress rather than be beaten down.  See links to Parts I through V on the “Factors of Resilience” below.

The universe knows solutions to every problem because polarity is in the nature of the universe.  Since we are a part of this universe… we know  solutions if we can set aside our thinking and get in touch with our greater wisdom.  The essence of this bigger (and better) in-formation is our yearning of our heart’s desire.

We simply need to know how to know what we know in a usable way.

One way to be wiser at a deeper level is to integrate these four brain waves…. Beta… Alpha… Theta and Delta.

Our Beta waves tap into the local news. This is the part of our being that takes care of the here and now…the space around us.  This is what we call logic, and it is a vital tool. Nothing is more important than to know what conditions are in the here and now.  However mankind is so dependent on this logic that often the messages are ignored coming from our other brain waves which we can sum up by calling them intuition.

Our Alpha waves connect us to the regional news.  This is a much deeper and broader area of intelligence too vast for our prefrontal logical brain to compute on its own. When we tap into Alpha we get intuitive creative flashes we could never just think up.  If there is about to be an earthquake in our region, all animals know it. Dogs will howl.  Roosters will crow. Birds will fly away.  Humans have this intuition as well.  Yet we can be so steeped in our logic… that we ignore it.

Theta brain waves connect with the global news.   This is an even deeper vaster level of intelligence.  At some level we are in touch with anything and everything that happens wherever we are in the world.   Here we need the filter of our logic. For our mind to process all this data would be like running many yottabytes squared of information through a 64K processor.

At some level we are in touch with everything that happens in the world.

Delta waves are our connection to the universal news right down to our quantum state.   This is an intelligence so vast that we cannot even imagine it.  Here according to quantum science we are even in touch with the past and future…even other universes in a multiverse. We must be in a dream state where the physical boundaries strip away.  In Delta we can be in two places at once, know all things and even fly.

When we allow these waves to interconnect freely, we gain access to infinite knowledge and unimaginable intellect.

Merri and I tap into and integrate this knowledge in three ways… silence, music and theanine.

#1: Silence

One classic article I read and reread is a USA Today article entitled “Sphere of Silence” as it tells how a successful CFO uses silence in business and says:  Vijay Eswaran (pronounced Veejay Eeshwuhrn) is not well known in the USA , but throughout Asia he has become something akin to a CEO/spiritual guide. Picture a Kung Fu episode with David Carradine running Hong Kong telecommunications, travel, e-commerce, entertainment conglomerate, QI Group, a company less than 10 years old that is approaching $1 billion in annual sales. Eswaran, a Hindu Indian born in Malaysia, starts each day monk-like with an hour of silence, a practice detailed in his book “In the Sphere of Silence.”

To gain from silence, Merri and I meditate every day.

#2: Music

A comparison on the benefits of meditation and Baroque Music can help us see how to attain the state of relaxed concentration.  This study compares Transcendental Meditation. Since TM is the most documented form of meditation worldwide, it lends itself to a comparison with Super Thinking.

Below, we can see the physiological changes during sessions of listening to certain types of music as compared to TM Meditation.

Super Thinking Concert Meditation (TM)
Slow Baroque Music during Intense Mental Activity Reciting a Mantra
Alpha brain waves Increase by
an average 6%.
Alpha brain waves increase.
Beta Brain Waves Decrease by
an average 6%.
Theta Brain Waves unchanged. Some increase in Theta.
Pulse slows down by an average a mean decrease of 5 beats per minute. Decreases significantly with 5 beats per minute.
Blood pressure drops slightly. Tendency to decrease.
Awareness becomes relaxed concentration. Restful alertness.

Meditation creates a state of “Restful Alertness”…. which is great for tuning into deeper levels of intelligence.

Music, however, creates “Relaxed Concentration,” the state one wants to attain for study and action.

We listen to 60 beat ten cycle classical music… recommended by Dr.Georgi Lozanov, the great Bulgarian educator,  as we work.

You could count the number of times we have missed our meditation routine in the last 20 years on one hand.

#3: L-Theanine.

Theanine (chemical name: r-glutamylethylamide) is one of the chemicals found in green tea.  Theanine is used to reduce stress and anxiety without the tranquilizing effects found in many other calming agents.  Scientific evidence shows that Theanine stimulates the brain’s production of alpha waves, making the user feel relaxed but alert and not drowsy. It also helps the body produce other calming amino acids, such as dopamine, GABA, and tryptophan. As might be expected from a calming supplement, Theanine may be able to lower elevated blood pressure as well.

We buy theanine at the health food store under the brand name of Theanine Serene.

The universe is polarity in action, yin and yang…  plus and minus… positive and negative.  For every minus there is a plus and we, at some level know both sides.  Next time you are feeling negative… use the three steps above to get in touch with the  positive.

Gary

Be More Intelligent With Super Thinking Routines

Here is a way to increase intelligence and reduce fear.

Two points almost everyone agrees on about the future are… first we need to be smarter to keep up with the faster pace of change… and second the world’s economy has and will continue to globalize.

Be smarter as the world turns faster.  Super Thinking tactics in our courses help create new income opportunity and also can improve health.

A Wall Street Journal article entitled “Ways to Inflate Your IQ” says: Many people think of IQ as a genetic trait, like brown eyes or short legs: You’re born with it and you’re stuck with it. Now, a growing body of research is showing that a person’s IQ can rise—and even fall—over the years.

Scores can change gradually or quickly, after as little as a few weeks of cognitive training, research shows.

In the latest study, 33 British students were given IQ tests and brain scans at ages 12 to 16 and again about four years later by researchers at the Wellcome Trust Centre for Neuroimaging at University College London; 9% of the students showed a significant change of 15 points or more in IQ scores.

On a scale where 90 to 110 is considered average, one student’s IQ rose 21 points to 128 from 107, lifting the student from the 68th percentile to the 97th compared with others the same age, says Cathy Price, professor of cognitive neuroscience at the center and co-author of the study, published last month in Nature.

Swings in individual IQ scores are often written off as the product of measurement error or a test subject having a bad day. But MRIs in this study showed changes in gray matter in areas corresponding to fluctuations in the kids’ skills, Dr. Price says.

There are practical steps people can take to see longer-term IQ changes. A 30-year study at the National Institute of Mental Health found that people whose work involves complex relationships, setting up elaborate systems or dealing with people or difficult problems, tend to perform better over time on cognitive tests. Test scores of people whose jobs are simple and require little thought actually tend to decline, according to the research, published in 1999 in Psychology and Aging.

New tasks stimulate the brain most. When researchers at the University of Hamburg subjected 20 young adults to one month of intense training in juggling, they found an increase in the corresponding gray matter in the brain as early as seven days after the training began.

Fluctuations in IQ scores over time underscore the brain-boosting benefits of a complex job, musical training, advanced schooling and new experiences throughout a lifetime.

Music lessons are linked to higher IQ throughout life, according to research by E. Glenn Schellenberg, a psychology professor at the University of Toronto at Mississauga. Six years’ lessons lifted children’s IQ scores an average 7.5 points.

Super Thinking Tactics improve the brain through the use of music.  The Super Thinking Story.

The educational program Merri and I have developed uses a form of brain wave integration that opens enormous opportunity for expansion, understanding, peacefulness as well as greater wealth. We are sharing this in depth program that teaches Super Thinking.

Super Thinking uses frequency (in music and a number of other ways) to integrate brain waves so the process of absorbing, processing and recalling information is vastly accelerated. This brings forth the three C’s: Calm, Clarity and Coherence.

How the Super Learning History Brings Opportunity to You Now:

Our Super Thinking programs are not gimmicks or tricks… just advanced education.

Merri and I are explorers. Our business began 46 years ago (May 1968) and we continue to always look for what’s next… trying to stay on or ahead of the leading edge.

This process helped us create the totally unique system we use that incorporates numerous tactics.

The first tactic is to use Baroque music in the learning process. At least three best selling books, “Superlearning”, the “Mozart Effect” and “Superlearning 2000″ have revealed insights about how to learn and think more powerfully based on systems drawn from the Bulgarian educational master, Dr. Georgi Lozanov.

This one tactic alone is so powerful that Small Business Innovation Research… an official site of the US government granted over $100,000 for the specific purpose they said was: to provide a method to remove barriers which hinder or prevent the employment of blind persons. An innovative method call the Lozanov learning system is proposed to help train blind persons to become computer programers and operators of automated equipment.

Merri was among just a few who learned directly from Dr. Lozanov the one time he visited the USA and is licensed in these techniques.

Merri has enhanced this system with numerous other tactics. One is to make slight alterations in nutrition. Altered nutrition can make anyone a person 25% smarter. These two tactics are just part of seven, easy to use learning techniques that help gain any skill, from computers to athletics to conversational languages… in much less time than traditional learning techniques… often two-to-five times faster, in exciting and innovative ways…but most of all it is a system that is stress free and full of fun.

Our Super Learning System helps in innumerable walks of life. This is why the second year of our teaching program offers extra opportunity for you now.

Problems Can Create Opportunity

There is a huge and growing problem of accelerating change that requires accelerated learning. You can use a Super Thinking focus in every aspect of your life including your business… shifting our mental process into overdrive.

Super Thinking works by focusing on the learner first… the data second. This system “grows the learner” rather than just expands the information. The explosion of data we must all process every day means there is too much information to process already. Let’s view this learning in terms of plumbing to outline what “Growing the Learner” means.

If you have 4.5 inches of information flowing through a 4 inch learning pipe, the solution is not to add another inch of information. The answer is to first create a six inch pipe and then an even larger pipe…a never ending expansion of abilities!

Share our 50 years of Experience

When it comes to having a micro business in online publishing, seminars, courses and tours, there are few people with more experience than Merri and me.  Over 49 years we have organized, marketed and conducted thousands of tours for tens of thousands in dozens and dozens of countries (even behind the Iron Curtain).  This course shares how we have done this… what we did right… what we did wrong… and what you can do better.

Super Thinking Goes Way Beyond Spanish

Our training teaches an effective way to teach languages but covers much more many… perhaps all fields of education.

For example. We teach Super Thinking Business seminars that show how these mind expanding tactics can be applied to starting and running a business, to forex trading and investing. Athletes of all types… golfing being one common sport benefit. The Soviet Union… even though a third world country… excelled in the Olympics… as well as beating the USA into outer space… because it integrated FM teaching tactics as developed by Dr. Georgi Lozanov (one of Merri’s teachers) into its educational system.

Our Super Thinking plan goes far beyond Lozanov and allows you to enhance every part of your life.

Order our online report with Super Thinking Relaxation session here ($19.95)

Gary

See government grant records on teaching blind persons with the Lozanov method

Read Wall Street Journal article Ways to Inflate Your IQ

 

Part I – II and IV looked at four factors of resilience.  

You can read Part I at  The Joys and Necessities of Taking Risk.

Part II Make America Happy Again.

Part III The Benefit of Self Awareness.

Part IV Temper Resilience

Ecuador Thanksgiving Roses


Bring Ecuador into your home this Thanksgiving with fresh Ecuador roses delivered by Fedex or  UPS.

Order this week for Thanksgiving.

Merri and I will have fresh Ecuador roses as our Thanksgiving decoration.

ecuador-roses

bloom.

ecuador-roses

Fedex or UPS delivers them in the afternoon and we immediately put them in fresh water.  By the morning they are fully opened and incredible!  This is only a third of one order.

You can now have fresh Ecuador roses on your Thanksgiving table or send them as gifts as well.

Our rose supplier just sent this note:  Gary, Thanksgiving is on Thursday November  24th so we will deliver roses on Tuesday, November 22nd.  and price when we let the farm choose the colors sent..  We will close sales at midnight EST this Friday… November 18th.

Ecuador roses have extra large heads that open fully.

christmas roses

The colors are more intense.

christmas roses

You can have 25, 50 or 100 fresh cut (four days) roses from Ecuador delivered to any zip code in the USA…including Hawaii or Alaska but must order for Thanksgiving roses before midnight EST November 15.

Merri and I love Ecuador for the warmth and friendliness in the hearts of its people. We also love Ecuador’s beauty.  When an opportunity to send Ecuador roses and raise money for the poor occurred, we grab the chance.

I wrote about the roses, made a special offer and sold over 15,000 roses that raised $6,000 to help Ecuador’s poor. The money was used to provide schooling for gifted indigenous children and to buy an InFocus projector used in our free English classes for Ecuadorian children that the foundation provides.

So when a chance to offer Ecuador roses regularly, I thought, “Why not?”

There and then I decided to make a special offer. Here it is.

The cost of roses, and especially delivery, has been rising, but we still offer four ways to get  fresh cut roses to your home at really low rates and help create employment in Ecuador in the process.

I regret that Fedex cannot deliver the roses in Canada or elsewhere outside the USA.

Fedex will deliver them to you within four days of being cut in Ecuador.  Open them. If you are not satisfied that these are truly remarkable roses, give them back to the Fedex driver and let me know.  I’ll give you a full refund.

To assure the refund you must inspect the flowers with Fedex when they are delivered.  If you are not satisfied, they must be returned at the time of delivery.

There are four ways to obtain 25, 50 or 100 fresh cut roses and save.

#1:  Order 25 fresh cut Ecuador roses farm choice of color ($80).  To order, click here.

#2: Order 50 fresh cut Ecuador roses farm choice of color ($90).  To order click here.

#3: Order 100 roses farm choice of color insteadThis reduces shipping and the price is only $140 for 100 roses. You save $40 from the 50 rose price.  To order click here.

#4:  Order 50 Thanksgiving Mix (2 different colors) 1 high & magic + 1 hot pink. ($99).  To order click here.

roses

Hot pink and Bicolor orange.

Colors come in batches of 25.  Orders of 25 have one color. Orders of 50 have two colors. Orders of 100 have four colors.

This is a batch of 100 fresh Ecuador roses that Merri and I enjoyed.

Dozens-of-roses

To order, click on your choice above.  Your order will be taken to our flower supplier who will follow your order from the farm to your home.  He will first email you a Fedex tracking number to coordinate your delivery time.

Unless otherwise arranged, and subject to weather permitting, Fedex will deliver your roses to you or your recipient on Tuesday, November 22nd.

Premium Quality Roses

I inspected all the major websites offering roses and found when shipping was calculated, prices ranged from $259 to $135 for 50 roses from the best ranked websites.  These prices are far above ours because this is a service Merri and I offer to our readers and the people of Ecuador. We are not in the rose business and don’t have to add markups.

Fresher Quality Roses

You do not give up quality for the lower price.  In fact the quality of your roses rises.

Most roses go from Ecuador to Miami by air are stored in Miami then shipped by truck until they sit in a store. They can be a week or more old when you see them. The roses you receive from this offer are cut and stored overnight, driven by refrigerated truck to Quito Airport and flown to Miami to a special refrigerated Fedex facility then flown to your Fedex destination for immediate delivery to your home or office. This means they last longer.

The longevity of the roses depends on the conditions they are kept and their care so a special instruction is included with your roses on how to make them last.

Christmas-roses

Here are some of my previous Thanksgiving roses.  The head size is much larger than anything you see in a store and Fresh Ecuador roses last much longer.

There are four ways to obtain 25, 50 or 100 fresh cut roses and save.

#1:  Order 25 fresh cut Ecuador roses farm choice of color ($80).  To order, click here.

#2: Order 50 fresh cut Ecuador roses farm choice of color ($90).  To order click here.

#3: Order 100 roses farm choice of color instead. This reduces shipping and the price is only $140 for 100 roses. You save $40 from the 50 rose price.  To order click here.

#4:  Order 50 Thanksgiving Mix (2 different colors) 1 high & magic + 1 hot pink. ($99).  To order click here.

Environmentally Clean Roses

The roses you receive are certified by Veriflora. The VERIFLORA seal is a real,
green program that regularly spot check farms for ecologically sound systems that include:

1- Water and ecological conservation: implementing water management systems to prevent depletion of fresh water supplies.

2- Product quality: implementing practices to ensure the quality of the product through the whole chain of delivery to the final consumer.

3- Advanced agricultural practices: integrating organic practices wherever possible. To only use approved green label certified pesticides. To allow no discharge of pesticides run off into the environment.

4- Waste management: recycling and composting as well as the proper disposal of agricultural chemicals.

Certification means the growers have met or exceeded the requirements. There is no middle ground with Veriflora, no differing levels of certification. You either are ecologically sound and certified, or you aren’t.

That means you receive environmentally friendly roses.

We use fresh Ecuador roses at home and in business.

ecuador-roses

Roses at  one of our seminars.

ecuador-roses

We received three varieties and put micro bouquets on each table.

ecuador-roses

Fair Trade Roses

In addition the Verflora seal requires the rose grower to be socially responsible adhering to recognized labor and community standards, specially pertaining to health and safety, work conditions, hiring practices, discrimination, harassment and fair pay.

The growers offer every single one of their workers:

-free doctor and medical treatment at the farm for workers
-day care facilities for infants
-free breakfast and lunch (and dinner when they work late)
-free sports and recreation facilities
-small business loans -when workers want to leave to set up their own small holding farm
-workers fund -for financial help with school fees to buy a car, etc
-complete health and safety equipment provided free -helmets , gloves, masks, etc
-paid maternity leave with a guarantee of work when they want to return
-overtime paid over and above the legal requirements
-Christmas parties, summer holiday excursions, sports tournaments
-a safe and secure work environment with job satisfaction and potential for personal development

There you have it…three great reasons to experience the warmth of the people and beauty of Ecuador…the freshest…best roses…and you help the environment and the poor by having them delivered into your home.

There are four ways to obtain 25, 50 or 100 fresh cut roses and save.

#1:  Order 25 fresh cut Ecuador roses farm choice of color ($80).  To order, click here.

#2: Order 50 fresh cut Ecuador roses farm choice of color ($90).  To order click here.

#3: Order 100 roses farm choice of color instead. This reduces shipping and the price is only $140 for 100 roses. You save $40 from the 50 rose price.  To order click here.

#4:  Order 50 Thanksgiving Mix (2 different colors) 1 high & magic + 1 hot pink. ($99).  To order click here.

seminar-roses

These are fresh Ecuador roses delivered to our North Carolina office.

Longevity

Fwd: ecuador-easter-roses

Ecuador roses keep on giving.  After they fade, I put them in a bowl like this and for many more days of enjoy their beauty.

ecuador-roses

Then I hang them in the kitchen to dry.

Dried-roses

We make our roses last a very long time because after they begin to wilt, we dry our fresh Ecuador roses as they age and continue to use them. Here are 100 dried Ecuador roses on our stair case in North Carolina.

Gary

Here are photos from our home of  different Ecuador roses that give a comparison of the colors you can receive.

Other roses in farm choice include these wonderful…bicolors…

ecuador-roses

in red and orange.  They are spectacular. Here is…

ecuador-roses

a dozen of the red/orange bi color roses.

ecuador-roses

25 red roses.

ecuador-roses

Red roses.

ecuador-roses

White roses in our dining room.

There are four ways to obtain 25, 50 or 100 fresh cut roses and save.

#1:  Order 25 fresh cut Ecuador roses farm choice of color ($80).  To order, click here.

#2: Order 50 fresh cut Ecuador roses farm choice of color ($90).  To order click here.

#3: Order 100 roses farm choice of color instead. This reduces shipping and the price is only $140 for 100 roses. You save $40 from the 50 rose price.  To order click here.

#4:  Order 50 Thanksgiving Mix (2 different colors) 1 high & magic + 1 hot pink. ($99).  To order click here.

 

The Value of Chicken Little


Hope springs eternal and value is a signpost that leads along the hopeful path.  One of the key themes in my first book, Passport to International Profit, (published in the 1970s) was “The sun always shines somewhere”.  This thought has been in and remains a foundation of everything I do.

Decades of studies of global stock market cycles suggest we’ll see a serious short term equity correction.  The current market rise has lasted much longer than history suggests.  This means a sharper, faster contraction will take place when it comes.

This means enormous opportunity is ahead.  The most important lesson I have learned in fifty years of writing and speaking about investing and actually investing globally for 48 years is to invest as much as is possible during stock market crashes.

keppler

This chart shows the entire real-time forecasting history of Keppler Asset Management Inc. for the KAM Equally Weighted World Index.  Keppler’s projections are based on relationships between price and value over the previous fifteen years.  These are moving forward in monthly increments so they thus evolve steadily to an ever-changing norm.  Starting in October 2008, the actual performance of the index fell below the lower forecast band, where it stayed through April 2014 (5 years and 7 months). Since then, the Index  has fallen below the lower forecast band again this year in February as well as in May and June. In the past, index levels below the lower forecast band turned out to be attractive entry points for long-term investors.

Look at how well long term investors who added extra investments during the 2000 and 2007 crashes have profited.

Create a strategy of having fun by investing in what you know.  Knowing the basics behind your investments is important because belief in the idea is vital.  Yet risk is always our partner.  Even when we invest in what we know, there will be events we cannot see or expect.  Integrating what we love and know with value, reduces risk.

Embrace risk.  Adapt.  Look for contrasts and trends.  Seek value.  Bet the most on the positive when events are the most negative.

Expect that the World Will Remain Standing!

The press always focuses on doom and gloom.  Current news always makes the world seem about to end.

Yet despite all the negative headlines, we have lived through the Cold War and MAD, Y2K, GridX II, the Peak Oil Crisis. etc. etc. etc.  Chicken Little is always out there, selling the sky is falling.  Don’t buy into this story!

History suggests that there will always be opportunity.  The sun always shines somewhere.

wsj.com

See three economic events where the forecasts and news got it seriously wrong (from Wall Street Journal article below).

Brexit is the latest example of how negative news can blind us to reality.  After Brexit, the advice in our Purposeful investing Course  (Pi) was “Invest More” in the UK.    This is because we rely on financial news instead of economic news.

A Wall Street Journal article last week, “When Economic Doomsayers Stumble: Cautionary Tales From Brexit, Grexit and U.S. Budget Battles” (1) firmed up why numbers should be trusted more than conjecture and opinion.

The article says: Experts often look to stay ahead of worst-case scenarios, building up a long list of cataclysms that never were.

It’s early, but data so far suggest the British decision to leave the European Union could be another example of a recurring phenomenon: expert predictions of dire consequences to political decisions that end up proving overheated.

“Forecasters often feel incentivized to pump up the probability of worst-case scenarios” said Philip Tetlock, an expert in political forecasting at the University of Pennsylvania. Forecasters may inflate the probability of disasters, as a way to increase the salience of a warning, or because they believe that proving prescient will be something they can boast about, while proving mistaken will be something most people forget. “Over time, this has some corrosive effect on trust in the expert community,” he said.  In the immediate aftermath of the vote, many market economists forecast recession would begin almost immediately.

It’s now been two months since British voters on June 23 cast their ballots to exit from the European Union, and it’s becoming unclear if the recession so many feared will materialize—at least in the near term.  The FTSE 100 (The London Stock Market Index) climbed to near-record levels by the middle of August.  Nor has the wider economy shown many signs of a coming downturn.  The leading U.K. home builder, Persimmon PLC, said interest in home buying has remained “robust” and predicted good autumn sales.

The Brexit advice at this site was not based on our knowledge of the UK economy.  We did not turn to a review of European history.  We did not simply take a contrarian view.  The UK was a good value market, before, during and after Brexit.  Consequently  UK shares were already part of  our portfolio.  Brexit simply improved the value.  Based on this, our advice was “Don’t sell UK shares.  If you want some extra speculation, buy a bit more”.

A comparison from the “Keppler Asset Management Summer 2016 Developed Market Analysis” shows why it was easy to recommend a UK country ETF  as an equally weighted  part of a good value portfolio.

keppler

Shares in the UK were selling at 1.74 time book and 21.5 times price earnings.  The average dividend yield in the UK markets was 4.15%. Compare this to the US share average of 2.83 times book 22 times earnings and  with a 2.13% average dividend.

In other words UK shares were selling for almost 40% less price to book than US shares and paying almost double dividends.

The Pi strategy is to hold equally weighted amounts of  country ETFs in good value developed and emerging markets (70% developed and 30% emerging).  Brexit  made no change from that basic platform.  The fall of the British pound created an extraordinary opportunity for those who wanted to speculate.  Our Pi course reviewed two opportunities, add an extra weighting of the British market ETF, or even riskier but with greater potential, add an extra weighting of the British market ETF using a US dollar margin  loan.

We live in a very positive world.  So many incredibly wonderful events take place every day that it is not worth mentioning in the news.  This leaves a void filled by the worst negative drama enhanced by opinion and conjecture.  Bad news sells papers (and visits to websites) while financial news can be boring.

Take advantage of the fact that as the thundering herd panics and rushes from one potential cliff to another, it is usually wrong.  There is no cliff.  The signs created by panic are simply deviations that eventually lead back to the true path to profit best signposted  by good value.

Gary

(1) www.wsj.com Forecasts of brexit gloom may be overdone

Gain Comfort, Time and a Value With Pi

If you subscribe to our Purposeful investing Course today, you’ll get our Value Investing Seminar online FREE

The goal of our seminar is not to make money one time, but show how to repeatedly find special profit opportunities that enhance safety as they increase profit.

Learn an investing strategy that reduces stress with slow, worry free purposeful tactics that cash in on financial rather than economic news.

I am sending this report “How to Grab Sequential Value Profits” to subscribers of the Purposeful investing Course (Pi)  this weekend and want to give you a chance to  save $517.90 if you subscribe to Pi.

The annual fee for Pi is $299.  I have reduced this to $197 in this special offer.  You receive the updated for 2017 $29.95 report “Three Currency Patterns For 50% Profits or More”.  You receive the $39.95 report “Silver Dip 2017”.  You also receive the $49 report “How to Grab Sequential Value Profits” plus our $297 online seminar for total savings of $517.90.

Subscribe to a Pi annual subscription for $197

Learn from the Value Investing Seminar, our premier course that we have been conducting for over 30 years.  Tens of thousands of delegates have paid up to $999 to attend.  Now you can join the seminar online FREE in a special offer described below.

This three day course is available in sessions that are 10 to 20 minutes long for easy, convenient learning.   You can listen to each session any time and as often as you desire.

The sooner you hear what I have to say about current markets, the better you’ll be able to cash in on perhaps the best investing opportunity since 1982.

seminars

Tens of thousands have paid up to $999 to attend.

Improve Safety – Increase Profits

Start this weekend.  Learn how to improve the safety and profit of your savings and investments by selecting diversified, good value investments in a multi-currency portfolio during stock market downturns.  Few decisions are as important to our wealth as the value of the markets and currencies we invest in.

Double Risk

Many investors missing the great long term risk, the falling US dollar.  The greenback has been strong for the past five years, but this is temporary.   The dollar’s strength came after the great recession of 2009 just as there was a temporary dollar strength after the great recession of the 1980s.  In the 1980’s that dollar strength lasted five years.  Then the dollar collapsed over 50% versus major currencies.  Now the greenback is in a similar place.

The strong US dollar and low interest rates created  a bigger than normal stock breakout, but the US market has been in an overall bear trend since 2000.  Now both, the market and the greenback are scheduled to fall.

This year I celebrate my 51st anniversary in the investing business and 49th year of writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

Stock and currency markets are cyclical.  These cycles create extra profit for value investors who invest when everyone else has the markets wrong.  One special seminar session looks at how to spot value from cycles.  Stocks rise from the cycle of war, productivity and demographics.  Cycles create recurring profits.  Economies and stock markets cycle up and down around every 15 to 20 years as shown in this graph.

stock-Charts

The effect of war cycles on the US Stock Market since 1906.

Bull and bear cycles are based on cycles of human interaction, war, technology and productivity.  Economic downturns can create war.

Here is the war stock cycle.  Military struggles (like the Civil War, WWI, WWII and the Cold War: WWIII) super charge inventiveness that creates new forms of productivity…the steam engine, the internal combustion engine,  production line processes, jet engines, TV, farming techniques, plastics, telephone, computer and lastly during the Cold War, the internet.  The military technology shifts to domestic use.  A boom is created that leads to excess.  Excess leads to correction. Correction creates an economic downturn and again to war.

Details in the online seminar include:

* How to easily buy global currencies, shares and bonds.

* Trading down and the benefits of investing in real estate in Small Town USA.  We will share why this breakout value is special and why we have been recommending good value real estate in this area since 2009.

* What’s up with gold and silver?  One session looks at my current position on gold and silver and asset protection.  We review the state of the precious metal markets and potential problems ahead for US dollars.  Learn how low interest rates eliminate  opportunity costs of diversification in precious metals and foreign currencies.

* How to improve safety and increase profit with leverage and staying power.  The seminar reveals Warren Buffett’s value investing strategy from research published at Yale University’s website.  This research shows that the stocks Buffet chooses are safe (with low beta and low volatility), cheap (value stocks with low price-to-book ratios), and high quality (stocks of companies that are profitable, stable, growing, and with high payout ratios). His big, extra profits come from leverage and staying power.  At times Buffet’s portfolio, as all value portfolios, has fallen, but he has been willing and able to wait long periods for the value to reveal itself and prices to recover.

keppler asset management chart

This chart based on a 45 year portfolio study shows that holding a diversified good value portfolio (based on a  good value strategy) for 13 month’s time, increases the probability of out performance to 70%.  However those who can hold the portfolio for five years gain a 88% probability of beating the bellwether in the market and after ten years the probability increases to 97.5%.

Time is your friend when you use a good value strategy.  The longer you can hold onto a well balanced good value portfolio, the better the odds of outstanding success.

Learn how much leverage to use.  Leverage is like medicine, the key is dose.  The best ratio is normally 1.6 to 1.  We’ll sum up the strategy; how to leverage cheap, safe, quality stocks and for what period of time based on the times and each individual’s circumstances.

Learn to plan in a way so you never run out of money.  The seminar also has a session on the importance of having and sticking to a plan.  See how success is dependent on conviction, wherewithal, and skill to operate with leverage and significant risk.  Learn a three point strategy based on my 50 years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy investing more with slow, worry free, good value investing.  Stress, worry and fear are three of an investor’s worst enemies.  These are major foundations of the Behavior Gap, a trait exhibited by most investors, that causes them to under perform any market they choose.  The behavior gap is created by natural human responses to fear.  The losses created by this gap grow when investors trade short term, under stress.

Learn how to put meaning into your investing by creating profitable strategies that combine good value investments with unique, personal goals.

Learn what I am doing with my good value portfolio.  My personal investment portfolio comes from a continual analysis of international stock markets and a comparison of their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.

We’ll update the good  value markets for the beginning of 2017 next week, but the markets included in this 2016 portfolio are:

Norway
Australia
Hong Kong
Germany
Japan
Singapore
United Kingdom
Taiwan
South Korea
China

These markets have been chosen based on four pillars of valuation.

• Absolute Valuation
• Relative Valuation
• Current versus Historic Valuation
• Current Relative versus Relative Historic Valuation

The online seminar also reveals how to use Country ETFs to easily construct a diversified, risk-controlled, equally weighted representative country portfolios in all of these good value countries.

To achieve this goal my portfolio consists of Country Index ETFs that track an index of shares in a specific country.  These country ETFs provide diversification into a basket of equities in the good value countries.  The expense ratios for most ETFs are lower than those of the average mutual fund as well so such ETFs provide diversification and cost efficiency.

This is an easy, simple and effective approach to zeroing in on value because little management and guesswork is required.

The seminar also discloses the results of a $80,000 share purchase cost test that found the least expensive way to invest in good value.  The keys to this portfolio are good value, low cost, minimal fuss and bother.  Plus a great savings of time.  Trading is minimal, usually not more than one or two shares are bought or sold in a year.  I wanted to find the very least expensive way to create and hold this portfolio so I performed a test.

The Test for Low Cost Trading

Research put every part of this portfolio in place, except knowing the best, easiest and least expensive way to buy.  A search for an optimal way to buy and hold boiled down to two methods.  One tactic to test was to use a unique online broker that appeared to offer the lowest cost deal.  The other approach was to use a community bank in Smalltown USA.  The small town bank that I use looks after my 401K trust account and the service is first class.  The benefit of small banks is that they still treat us as a human beings (instead of a number) and when we need, it’s easy to go right to the top to answer a question or get a problem resolved.  There are no call centers and the bank and the person looking after my account is just around the corner.

I created a test to see which offered the least expensive service.

Working with my banker in Smalltown USA,  I created two accounts, one at the online broker and the other at the bank. I placed $40,000 in each.

I set up the order for the country ETFs online, while my trust manager set up orders for the identical amounts of the same shares in his system.  Then we got on the phone, coordinated our timing and on a count of three each pushed the button “BUY”.

I share the results of this test in the seminar.  The savings that can be gained on any purchase of country ETFs has the potential to be more than the cost of the seminar.

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I have good news about the cost of the seminar as well.   For almost three decades the seminar fee has been $799 for one or $999 for a couple. Tens of thousands paid this price.

In this special offer, you can get this online seminar FREE when you subscribe to our Personal investing Course.

The Purposeful investing Course (Pi) teaches exactly what to do in situations such as we are seeing in global stock markets now.   This course is based on my 50 years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy Repeated Wealth

Pi’s mission is to make it easy for anyone to have a strategy and tactics that turn market turmoil into extra profit.

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

One secret is to invest with a purpose beyond the cash.  Another tactic is to have staying power.  This means not being caught short and having to sell during a period of loss.  This also means having enough faith in a strategy that we stick to the plan.  When we invest with purpose, doing what we love, and when we believe in the basic mathematics of value, we enjoy the process more and are more likely to hold on during down times, when most poor investors panic and sell.

Lessons from Pi are based on the creation and management of a Primary Pi Model Portfolio, called the Pifolio.  There are no secrets about this portfolio except that it ignores the stories from economic news (often created by someone with vested interests) and is based mainly on good math that reveals the truth through financial news.

The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets using my (almost) 50 years of global experience and my study of the analysis of four mathematical investing geniuses (and friends).

The Pifolio analysis begins with a continual research of international major stock markets that compares their value based on:

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return.

#7:  Market history

We combine the research of several brilliant mathematicians and money managers with my years of investing experience.

This is a complete and continual study of what to do about the movement of international major and emerging stock markets.  I want to share this study throughout 2017 with you.

This analysis forms the basis of a Good Value Stock Market Strategy.   The analysis is rational, mathematical and does not worry about short term ups and downs.   This strategy is easy for anyone to follow and use.  Pi reveals the best value markets and provides contacts to managers and analysts and Country Index ETFs so almost anyone can create and follow their own strategy.

A country ETF provides diversification and cost efficiency by spreading one simple, even small investment into a basket of equities in a good value stock market.  The costs are low and this type of ETF is one of the hardest for institutions to cheat.  Expense ratios for most ETFs are lower than those of the average mutual fund.

Little knowledge, time, management or guesswork are required.  The investment is simply a diversified portfolio of good value indices.  Investments in an index are like investments in all the shares of a good value market.

Pi opens insights to numerous long term cycles that most investors miss because they have not been investing long enough to see them.

For example in the 1980s, a remarkable set of two economic circumstances helped anyone who spotted them become remarkably rich.  Some of my readers made enough to retire.  Others picked up 50% currency gains.  Then the cycle ended.  Warren Buffett explained the importance of this ending in a 1999 Fortune magazine interview.  He said:  Let me summarize what I’ve been saying about the stock market: I think it’s very hard to come up with a persuasive case that equities will over the next 17 years perform anything like—anything like—they’ve performed in the past 17!

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

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.  The two conditions are in place again!   There are currently ten good value (non US) developed markets,  plus 10 good value emerging markets.

Pi shows how to easily create a diversified, worry free portfolio in some of these good value markets using Country Index ETFs.

The current strength of the US dollar is a second remarkable similarity to 30 years ago.   The dollar rose along with Wall Street.  Profits came quickly over three years.  Then the dollar dropped like a stone, by 51%  in just two years.  A repeat of this pattern is growing and could create up to 50% extra profit if we start using strong dollars to accumulate good value stock market ETFs in other currencies.

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago.  The trends are so clear that I have created a short, but powerful report “Three Currency Patterns for 50% Profits or More.”   This report shows how to earn an extra 50% from currency shifts with even small investments.  I kept the report short and simple, but included links to 153 pages of  Good Value Stock Market research and Asset Allocation Analysis.

The report shows 20 good value investments and a really powerful tactic that shows the most effective and least expensive way to accumulate these bargains in large or even very small amounts (less than $5,000).  There is extra profit potential of at least 50% so the report is worth a lot.

This report sells for $29.95 but you’ll receive the report, “Three Currency Patterns For 50% Profits or More” FREE when you subscribe to Pi.

Plus get the $39.95 report “The Silver Dip 2017” free.

With investors watching global stock markets bounce up and down, many missed two really important profit generating events.  The price of silver dipped below $14 an ounce as did shares of the iShares Silver ETF (SLV).   The second event is that the silver gold ratio hit 80 and has remained near this level, compared to a range of the 230s only two years ago.

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

I prepared a special report “Silver Dip 2017” about a new leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share long term lessons about speculating in precious metals gained through 30 years of speculating and investing in gold and silver.

The low price of silver offers special value now so I want to send you this report because the “Silver Dip 2017” offers enormous profit potential in 2016.

Subscribers who acted on the report when it was originally issued  picked up a fast 54.1% profit.  The report updates what to do in 2017.

Save $517.90 If You Act Now

Subscribe to the first year of The Personal investing Course (Pi).  The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription.  Plus you receive FREE the $29.95 report “Three Currency Patterns For 50% Profits or More”, the $39.95 report “Silver Dip 2016”, the $49 report “How to Grab Sequential Value Profits”  and our latest $297 online seminar for a total savings of $517.90.

ecuador-seminar

Triple Guarantee

Enroll in Pi.  Get the first monthly issue of Pi and the three reports Value Investing Seminar right away. 

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

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

#2:  I guarantee you can cancel your subscription within 60 days and I’ll refund your subscription fee in full, no questions asked.

#3:  You can keep the three reports and Value Investing Seminar as my thanks for trying.

You have nothing to lose except the fear.   You gain the ultimate form of financial security as you reduce risk and increase profit potential.

Subscribe to a Pi annual subscription for $197 and receive all the above.

Gary

 

 

Water Investment Opportunity


As the world grows more complex the simplest investments can be the best.

Not much can be simpler than food, shelter and water.  This is why our sites have long looked at the benefits of investing in water and why at the International Club Retreat we’ll look at the potential available in owning a North Carolina spring water company.

waterScreen Shot 2016-07-25 at 6.55.58 AM

Image from circleofblue.org article “Price of Water 2015: Up 6 Percent in 30 Major U.S. Cities; 41 Percent Rise Since 2010” (1).

When Merri and I began looking for land with two goals, having an altitude (to avoid air conditioning in summer and mosquitoes anytime) and having an abundance of water. We certainly attained both at Merrily Farms.

Owning water makes sense.  We, humanity, are too many.  We are too dirty. Our water is too little.

One way is to own land with water. That’s why Merri and I decided to go to the source and buy land with natural springs .

Each of our houses on the farm has its own gravity fed water supply from one of four separate springs. There are dozens of other springs on the land plus three rushing creeks.

This is one way we invest in water. But where else can we invest?  This is a tricky question for me as I lack experience in the water industry.

However, I recently came across a North Carolina spring water company for sale.  The owner will be at our upcoming retreat this August so we can look at the potential of this opportunity.

Here are a few other thoughts. Look at any industry that deals in water filtering or purification. Companies that build desalination plants would make sense and of course the bottlers of water.

There are numerous problems in the world’s water supply that create opportunity.  One problem is pollution in the water.  Another is not enough fresh water for drinking, cleaning and irrigation.  Another problem is not enough of the right types of water in the right place.

Each of us has a unique perspective that can help us spot unique situations take almonds as an example.  Almonds require enormous amounts of irrigation.  This has caused the price of almonds to rise.  Someone in the food industry might notice an alternative to almonds.  That would be a unique way to spot an opportunity ultimately created by the rising costs of water.

To invest in water was good advice when we began writing about water investments more than a decade ago.  To invest in water is even better advice now.

Much of America’s water infrastructure was built after WW II.  That system, thousands of miles of distribution pipes beneath city streets, the lengthy water transport and treatment infrastructure are now cracked or brittle.  It is time to rebuild and the price will not be cheap.  The economic of treatment, pumping, and supply is rising far faster than inflation.  The average monthly cost of water for a family using 100 gallons per person per day rose six percent last year compared to a 1.8% rise in the Consumer Price Index including food and energy which fell by 0.1 percent.

“We expect water rates to continue to grow above inflation for some time. We don’t see an end in sight.”  –Andrew Ward, Director of U.S. Public Finance Fitch Ratings.

Merri and I have invested in water in numerous ways.

First, we have purchased land with water in Smalltown USA and Ecuador.

Good water was a main prerequisite when we searched for our Smalltown USA farm.

gary-scott-farm

Little Horse Creek on our farm.

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Mossy Creek on our farm.

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A sacred spring called the Indian Trough is a historical site on our farm and along with dozens of other springs  is our source of water… for drinking.

Merrily farms water

Water flowing from the sacred Indian Trough Spring.

The spring feeds our deep woods, Ofuru, our pond and helps fill the creek.

Merrily farms water

Merrily Farms Ofuru… we soak at 107 degrees.

Merrily farms water

Our pond at Merrily Farms.

lake county

Our home in Lake County, Florida is surrounded by water.

lake shot

This is our Florida back yard.

rosaspamba

Ecuador shaman at one of the numerous water falls at our Ecuadorian Hacienda, Rosaspamba.

In a world where very few things seem transparent, one fact is clear.  If you heed the mathematics of good value, investing in water, especially clear water is a no-brainer in the long term.

I consider the opportunity of owning a spring  water company unique and look forward to learning about it at our International Club Retreat this August 12, 13, 14.  Hope you will join us.

Gary

(1) www.circleofblue.org Price of Water Up

The Essence of Real Security

Regain Real Security

There is a path to true security.

I was reminded of this once when I made a horrible mistake.  Almost!

The supposed error?  Letting my mind wander six decades back to an hour I spent with a girl.

Learn from this near disaster, seven most powerful sources of wealth, health, security and fulfillment in this era.

The girl was pretty and blond.  Terry was her name. My imagination spanned decades returning to my Oregon roots seeing her as if she were there.

We were 11 or 12 and had known each other since we started Rockwood grade school.  Just buddies, our non-romantic friendship lasted 12 years, from first grade till high school’s end.  Then she went off to Pepperdine College in California.  I started traveling the world.  Never saw her again.  I hope her life has gone well.  But until that reflection I’d never thought much of Terry in so many years.

What could have been the tragic error was letting that memory touch my heart.  Two kids, walking on a crisp, Pacific Northwest autumnal afternoon.

We walked down a sun filled, pine needle covered, dirt path.  Huge, fat, green Douglas firs lined the road.  Traffic was no problem, not many cars.  Crossing Stark Street we turned left, hiking three blocks to 182nd.  There we passed an old clapboard candy store.  I can still hear the wooden sidewalk of that store slap beneath my feet, felt the soggy planks sag and smelled astringent pitch from the fir trees.  Then we turned right, up 182nd for about a mile.  There was Terry’s house.

I carried on, walking through a big field, waist high grass turned straw brown by an early frost.  There were dozens of paths made by who knows what.  Animals perhaps or countless generations of other kids walking home alone from school.  I chose one following it to another wood of tall, rough-barked fir.  Crossing one more field, I climbed a rock wall, struggled through a barbed wire fence (my Mom hated that fence ripping my jeans).  I was home!

Sweet simplicity, that dream.  Two kids holding hands, walking on a dirt trail under a crisp, but blue, sunny sky.  Pure innocence.

My tragic error was looking back.  I returned to Rockwood, Oregon with Merri and my kids to show them this part of their roots.  Following the route, Terry and I had walked were the candy store, grange hall, old wooden buildings and their home spun honesty and charm.

Instead we found six lanes of fast, frantic traffic and road rage.  McDonalds, KFC, strip shopping centers.  The car radio blared warnings of local gangs and drive-by-shootings. Beauty, innocence, sweet simplicity, replaced by drive ins and drive bys.  Gangs and drive-by shootings replacing a tender walk in the sun.  Good bye memories, good bye.

How can our kids walk in places like this?  How can we return to those old feeling of security and comfort?

How can any of us possibly keep pace in this world that’s moving so fast?  Then something inside snapped. “There has to be an answer for honest, hard working folks to enjoy the wonderful opportunities of today and regain what we’ve lost over the past forty years”, I swore to myself.

How can we keep up, without having such a fast paced life we turn into machines?  Where do we find time for God, family, charity, and our friends?  How can we rediscover those sun filled, pine needle covered, dirt paths we want to walk?

“There has to be places that are still innocent and pure”, I thought.  “There has to be a way of life that does not pound us with stress”.

This thinking led me to begin reviewing the thousands of economic and business experiences I have shared with readers over the decades.  This started a search for a simpler way of life and a better place to earn and protect our wealth.

By digging, asking and observing, traveling and talking to investors and investment managers all over the world I found that there are true paths to real security in the here and now.  That knowledge helped me develop courses on how to have natural health, everlasting wealth and purposeful investments.

This knowledge helped Merri and me invest in stocks and real estate all over the world.  It helped us find and develop Merrily Farms into a sanctuary here on Little Horse Creek.

That almost error led us to create an entire portfolio of information on how to keep pace, get ahead, enjoy our modern society but, to enjoy life wherever you choose without having to move too fast.

This is why I am making a special three day “Let’s get our lives back offer”.

“What would you think in the last 30 seconds of your life if you were the richest man in the world but were unhappy?”

This quote is from the opening slide of our Value Investing Seminar, “How to Secure Your Future With a Value Breakout Plan”.   This a vital question because few investors think about the value of comfort and happiness.  Yet the truth is, those who are comfortable and happy with their investments are most likely to make good investment, business and lifestyle decisions.

Without comfort, no matter how much money a person has changes are, they’ll eventually lose it or kill themselves with stress from worry.

There is a way to have the perfect form of financial security.  Let’s call it the perfect pension.  To help understand how to build an unshakable economic platform, here is Part One of the report, The Pruppie Factor.

The Pruppie Factor – Seven Steps to Comfortable Living & Profits.

“May you live in interesting times”.  That’s a Chinese curse that seems to have been cast on our modern world.  We can enjoy comfort and profits in the year ahead despite this fact.

Become a Pruppie.  Integrate your earning with your investing and enjoy peak living, everlasting wealth and natural health with PIEC Investing in the year ahead.

Before we look at what PIEC means, let’s delve into Pruppieism, the new economic and social realism.  Pruppies expect everything to expand.  They take advantage of every new benefit and technology they can.  Pruppies enjoy using the fruits of our ancestor’s deliberations and labors to earn in this advanced technological world.  They also engage in activity that they love that would sustain them in case society and the incredibly intricate weave of our global economy and society should fail.

Pruppies are prepared in case everything, everywhere, or at least everything relating to their income and savings fails and the fabric that surrounds their lives disintegrates into an unknown veil.  Yet a Pruppie’s preparation is not a sacrifice, but a joy as you will see.

Hope springs eternal and it should.  One of the key themes in my first book, Passport to International Profit, (published in the 1970s) was “The Sun Always Shines Somewhere”.  This thought has been in and remains a foundation of everything I do.

Sometimes this sunshine is hard to see because the press always focuses on doom and gloom.  Current news often makes the world seem about to end.  We cannot blame the press. Bad news sells.  The majority seem to want to worry instead of learn about all that’s good.  This does not make doom and gloom right.  This is why the majority are also the rich portion of the population, but bad news is an economic fact for the press.

Yet despite all the negative headlines, we have lived through the Cold War and MAD, Y2K, GridX II, the Peak Oil Crisis, the recession of the 1970s, 1980s 2007, etc. etc. etc.  Chicken Little is always out there, selling the falling sky.  Don’t buy into this story!

History suggests that there will always be opportunity.  The sun always shines somewhere.

Brexit, global warming and the election of Donald trump as President of the United States are 2016 examples of how the press gravitates to negative news.  These three events may be bad news or not.  The future will tell, but they are examples of how the media focuses on tiny parts of our infinite existence.  They can make anything and just about everything seem negative.  This can blind us to the positive realities ahead, if we let it.  Don’t.  Expect that the world will remain standing and look for opportunity instead!

Our wealth and economic opportunity is pushed by supply and demand.  We are part of a growing global population.  New technology makes more people, as a whole, more productive every day.  The world has increasingly larger markets creating more supply in increasingly efficient ways.

This reality increases everyone’s wealth.  Yes there is a lot of bad news in many places.  There is inequality.  There is crime.  There is war and hate and injustice.   Despite these negatives there is even more that is positive.  Opportunity grows.

Pruppies tap into and use every bit of the good news they can.  They have a plan B if everything goes wrong, but Plan B is based on something a Pruppie wants to do we love, not just a shelter from bad news.

At the end of this report, you’ll find three day special offer that can help you integrate earning and investing for the ultimate form of profit and safety.

Imagine this example of Pruppism.  The Tiffany lamp casts an amber glow, rich, ivory and warm in the grey gloom of early dusk.  The gold knobbed mahogany desk, its deep patina waxed and smooth, shines with reflections of ancient leather Chesterfields stuffed full, but rumpled with age and of maritime shots that hang in brass frames on the wall. The room speaks of settled tradition, the kind that might never end.  But thoughts instead are on the demise of the business that has supported this room.

The late Jim Slater of Slater Walker, a British industrial conglomerate turned bank in the 1970s was in that room.  I recall his bank’s collapse well as I was living in Hong Kong and Slater Walker was a huge going concern in what was a British colony in those days.  The Slater Walker crash was big news that unsettled the entire British banking system at the time.

Slater, the founder, had been a really high roller, using every modern banking tactic available including buying many assets with cheap loans.  Then in the mid 1970s banking crisis interest rates skyrocketed and his bank was unable to refinance its debt.  The company failed and Slater had to resign.  Numerous charges were brought against him and he spent considerable time defending what he had done.

In the end he was only fined a nominal sum but despite this, his banking career was well and truly dead.

However he had already moved on.

He wrote about this in his autobiography, “Return To Go”.  He had always had a hobby making puppet shows and telling stories to his children, so instead of banking, he turned his passion into profit and wrote some children’s books.  His first effort sold a respectable 35,000 copies.  His next a monster series for younger children, became a huge hit.

He had also maintained a hobby of salmon fishing so again turned his passion into profit by creating a business that bought up fishing rights and resold them as time-shares.  He had quite a success.

Some day a catastrophe beyond our control could redirect the course of our lives.  We might lose a job, learn that our pension won’t pay or that our dollars won’t buy as much as they must.

Though Jim Slater was a banker, outside economic forces beyond his control caused his business disaster.  Yet he had options because he had been doing things he loved that were not related to his banking, but could become useful income generators in difficult time.

I do not know if Slater understood Pruppism but that’s what he was practicing.

Pruppism is a positive realism based on the knowledge that much of our lives are directed by events that we do not know or expect and could not change them even if we did.  There is always something we do not know and that’s okay.

Years ago I was speaking at an investing seminar in Marbella Spain.  One of the speakers was a brilliant strategist, Johan Peter Paludan, of the Copenhagen Institute for Futures Studies.  This institute has a large interdisciplinary staff with expertise in economics, political science, ethnography, psychology, engineering, PR and sociology.  They identify and analyze global trends that influence the future.  Paludan was speaking of these trends and answering questions that delegates had about the world’s economic future.

One delegate asked what to do if there was a global nuclear exchange.  Paludan replied that the results of some events are so unpredictable that it is not worth trying to plan for them.

This thought has stuck with me for decades because it helped me realize that no matter how cautious, how defensive and careful we are, there are events that we cannot even imagine that can turn our lives upside down, for the good or bad.  With this in mind my wife Merri and I have created a lifestyle where we turn our passions into profit but in a way that whatever happens we are likely to be in a position to spot the positive and the opportunity.

A PIEC Experience

Pruppies gain the benefits of PIEC wealth.  PIEC is an acronym for “Personal Income Earning Corridor”.  PIEC income and wealth come from doing what you do for love, rather than just the money.

Traditionally people get jobs to create income.  They work to live and support their lifestyle while attempting to spend less than they earn.  They hope, that maybe the savings will bring, sometime in the future, a lifestyle of doing something enjoyable without work.

Pruppies reverse the priorities.  Instead of working for money to save and invest, they focus their prime effort on doing something they enjoy right now.  Then they learn how to enjoy the effort in some profitable way.  They learn to create “Avenues of Abundance” that combine lifestyle with the necessary task of accumulating wealth.

If economic circumstances tie them to an existing income effort, they create hobbies that are income producers of the future.

For example, if a Pruppie loves golf; instead of working six days a week, 50 weeks a year just to golf on Sundays and during short vacations, instead he or she will create a business in some aspect of the golfing trade.

In another example, a client of mine, who loved animals became a vet.  But he learned that the vet’s lifestyle was not one he enjoyed.  He wanted to travel and move around, which is difficult for a professional who needs to stay at his office and build a practice.  So he built a business that prepares special animal foods for race horses.  Now he travels globally visiting horse breeders and makes much more money as well.

Pruppies combine money with time, energy and desires.  They generate income doing something desired.  Desire and fulfillment become at least as, if not more, important as the money.

#1: Do What You Love!

The reason PIECs work well is that when we love to do something, we do it better, for longer and with greater enthusiasm.

Effort, determination and tenacity are wealth building attributes that cannot fail.  Yet Pruppism does not mean we should suddenly abandon our jobs and try becoming golf pros, when we have never been able to break 100.  Smart Pruppies start small and gradually expand into their passion.

For example, as a writer and lecturer, I was never fully satisfied sitting behind a desk or standing on a podium all day long, even though I was making over a million bucks a year. I’m the physical, outdoors type and yearned for exercise and the wilds of the deep woods. “What good’s the money if this isn’t fun?” I often asked myself.

Rather than quit writing and teaching, I looked for ways to combine these professions with the outdoor life.  Through research I learned that many city folk like myself yearn to be in the primitive outdoors.  So I bought an isolated farm high in the Blue Ridge Mountains and an Andean plantation high in Ecuador where I developed seminar centers with charming but simple dwellings, set in rustic surroundings, with clean water and pure air.  Now I live in nature so after I finish the writing or talking, I can walk in the woods or take my axe and chop firewood or something physical.  I’ve combined my writing with physical work and have blended the life I want, with my readers’ needs in a way that makes great financial sense.

We built a series of cabins in the wild that bring more profits than most stocks or bonds could ever return.

The process took six years to shift. Now we have been at this for nearly two decades and we are far from finished.  But while doing what we love, who cares? This is one of the great benefits of PIEC investing. We can slow down and enjoy the work instead of always rushing ahead, looking for something more.

Those who work nine to five can start PIEC businesses part time if they are too uneasy to quit their jobs. Others, who like myself, already have a business can slowly shift their product or service in a sensible way and let it evolve toward their PIEC.

But where do we start?

There is a seven step process we can all use whether we have our own careers, a business or even if we are retired (PIEC investing is especially good for retired folks who have found the supposed good life flat or financially short).

The first step is to get a clear idea or vision of our dream.  This is sometimes harder to achieve than it seems.  We are so deluged with false ideals from Washington, Wall Street, Madison Avenue, etc. that we have to stop and really take stock.  What do we sincerely want?

There is a very practical economic reason to look inwards for wealth.  Warren Buffet recommends that we only invest in what we understand. What can we understand better than ourselves?

This inner search will lead us to an ideal that begins the second step which is gaining enthusiasm.  How can we be anything but enthusiastic about finally fulfilling our deepest dreams?  The enthusiasm leads to the third step; gaining an education.

We need to find out everything we can about our idea.  To succeed we must take the third step and become real experts in the product or service we offer.

Fourth, this educational process allows us to develop an intelligent, focused business plan we can act upon and the action is the fifth step which brings us the experience. Experience gives us the sixth step, a financial loss or profit.  We always profit in increased knowledge which creates the seventh step, more ideas.

Then the entire cycle starts all over again: Idea, Enthusiasm, Education, Action, Experience, Financial Profit and New Ideas.

This is a way to keep adding new opportunities into our lives.  Business is rarely static. It is an ever evolving process instead.

This seven step cycle may take days, weeks, months or years, but the moment you begin you’ll start moving into an avenue of affluence where you love your work so though money isn’t your main goal it comes more easily.

#2: Do what you love, but also be of service.  Do something for others that is meaningful and important to you.

We all have a purpose in life and when we are filling it, we feel fulfilled.  Wealth and fulfillment is the goal.  Fulfillment is important because of the law of diminishing returns.  A 2008 study that analyzed Gallup surveys of 450,000 Americans suggested that day-to-day contentment improves until income hits around $75,000 per annum.  After that, more money just brings more stuff, with far less gain in happiness.  Income beyond $75,000 does not do much for a person’s daily mood.

This is a pretty general study and regional differences in costs, inflation and life circumstances will create many fluctuations from this norm, but the point is when money is the main goal, the better you get, the harder it will be to gain satisfaction.

Giving, on the other hand, never has limitations, especially when the giving helps complete a purpose that is part of our destiny.

This is true in business and investing.  A study of investors for example found that investors with socially responsible ideals gained the best returns.  A dual goal of profit and achieving some social benefit provides a purpose beyond returns.  This brings comfort and determination to the investments and the added stick-to-it-ness helps increase profits.

The financial giant State Street Corporation’s Center for Applied Research did an 18 month study of 7,000 investors to get a better understanding of the role incentives play in making investment decisions.  Based on this study a new measure of investment performance called “Phi” was created.  Portfolios were previous rated by their Alpha, Beta, and Gamma. Phi is the newest measure of performance.

Alpha measures an investment’s performance against a market index.  If the Standard & Poor’s 500-stock index is up 10 percent and a mutual fund is up 15 percent, for example, that 5 percentage point difference is alpha.

Beta is the return of any given market.  And charting beta is what a passive index fund does.  Comparing different indexes’ beta — say domestic equities and international bonds — helps investors in deciding how to allocate their investments.

Gamma is a measure of the impact on returns of more intelligent financial planning decisions.  A Gamma rating quantifies the additional value that can be achieved by optimal asset allocation, a dynamic withdrawal strategy, incorporating guaranteed income products (i.e., annuities), tax-efficient decisions, and liability-relative asset allocation optimization.

What phi aims to add is a way for investors to quantify how their motivations — or those of the people managing their money — will affect long-term investment returns.

The study examined what motivates a person to invest — or not and found that main investment motivations are market-based motives, the most frequent and powerful being fear in the market.  Both market motivations, the prospect of profit and the fear of loss, can have a negative effect on long-term performance.

A deep sense of purpose is what causes a high phi score.  A high phi factor is not about outperforming markets or peers, and it’s not an asset-gathering measure of performance.  Pi performance is defined as sustainable investing with a deeper sense of purpose.

People who invested with socially responsible ideals did best in the study.  The dual goal of profit and achieving some social benefit provides a purpose beyond returns.  This brings comfort and determination to the investments.

The study helped define three aspects of investing that are generally ignored, purpose, habits and incentives.

Purpose.  Purpose requires some soul-searching questions about what we each want our life to be.  This purpose is more important than the investment goal.  The purpose of the money we have becomes more important than the amount in the portfolio.

Habits.  Habits come next because we need to create habits and routines that keep us on the path of our unique purpose.  The marketplace does all it can to distract us from our goals.  There is an endless stream of news, rumor, conjecture, facts figures, ideas and tactics generated by every part of every stock market aimed at getting us to act in ways that benefit the agenda of others.

Habits help us avoid being distracted from what we are meant and want to do.  The muffle the noise of Madison Avenue, the spin from Washington DC and the hidden agendas of big business.

Incentive.  Changing incentives to accomplish a purpose instead of a numerical (percentage or profit) goal helps us adopt better behavior.  We react to accomplishing our meaningful purpose instead of drama created by media as well as manipulation and short term whims in markets.

The study showed that changing incentives in this way improved phi when they had a meaningful impact on a person’s investment strategy.

The study found these facts: Every one-point increase in people’s orientation toward investment goals with a purpose — and the scale is 0 to 3 — equated to 42 percent greater odds that the investors know what they are paying in fees, 37 percent greater odds that investors are not rejecting their financial adviser, 38 percent greater odds that the people consider investing in socially responsible investments and 79 percent greater odds that investors will trade less frequently, the research found.

As in so many others cases, two of the most important factors of success are keeping costs and trading activity low.  These are among the most powerful ways to increase wealth.  Having greater fulfillment as well as more wealth is a bonus that Pruppies call “Everlasting Wealth”.

Figure out what is really important in life for you and then find ways to invest in that purpose.  When you do, you’ll be on a solid path to everlasting wealth that is not so easily diverted by the daily drama that seems to be unfolding in the modern world.

Learn to focus your investments using purpose as the most important investment goal.  The purpose of money becomes more important than the amount.

Learn how to create habits and routines that keep us on the path of our unique purpose.  The market will do all it can to distract us from our goals.  Understand that many banks, brokers, the media, the government and commerce all have agendas to take our money, not make more for us.   Good wealth habits and routines protect us from this.

#3: Integrate your earning and investing. 

Long term success in business and investing are determined by control and comfort.

Comfort comes from feeling in control, but since there is always something we do not know, real comfort comes from knowing that we are serving a valuable purpose, the best we can, regardless of how events unfold.

Real comfort helps maintain determination, dedication and enthusiasm, all among the most vital parts in the process of succeeding in investing and business.

Our own business increases comfort because a business is simply an investment that gives us more control due to the addition of our own time and energy. 

A Personal Income Earning Corridor (PIEC) begin with a main income generator that we control.  For some this is a job with a salary.  For others it is a pension. For many it is their own business.

Integration of business and investing is important because investments are not always good income generators.

Years ago I managed an investment portfolio for Canada’s largest private investment management firm.  One day, during lunch with the president of the firm, we discussed the difficulties of professional fund management.  He explained that one of his biggest problems was the excessive expectation of customers.

“I have a retired client who has a million dollars”, he said.  “The client wants $90,000 a year to live on.  In a good year, we might earn 11%.  The client can take 9%. Our fee is 1% and the client’s fund increase by 1%.  In a bad year, we might earn 5%. The client takes 9%.  Our fee is 1% and the client’s funds drop by $50,000.  In the next year the client has even less to work with so a withdrawal of $90,000 may be more than 9% of the portfolio.  The client tends to take even more in good years, but never reduces the demand in bad years.”

The number one golden rule of investing is that there is always something we do not know.  Risk is always our partner.  When we invest, there is always potential that will negatively affect our financial welfare.  Our investments might rise or fall because of market conditions (market risk).  Corporate decisions, such as whether to expand into a new area of business or merge with another company, can affect the value of our investments (business risk).  If we own an international investment, events within that country can affect our investment.  There is both political and currency risk.  There is liquidity risk because we may need to draw on an investment at a time when it price is low.

Plus there are broken promises.

We live in an era of broken promises.  Defaults could ruin most average retirees and even investors.

A look at government, social and currency breakdown at its worst can help us see the problem.  Germany is an example when it borrowed heavily to pay WWI costs.  Such borrowing almost always leads to currency and social erosion and this did then.  Right after the war there was some stability, before government spending began to run wild.  By 1923, it reached the worst in history.  This caused prices to sometimes double in hours. In Germany by late 1923 it took 200 billion marks to buy a loaf of bread.

Hard-working people with modest spending habits could not even buy a postage stamp with their life savings.  All debt was wiped out but so too were all savings.

Salaries were paid three times a day yet shops were empty.  Food riots raged. Businesses closed down, unemployment soared.  The economy collapsed.

Anyone on a fixed income was destitute.  They sold everything just to buy food.

Small businesses however survived because they could hold material things such as clothing, food, anything people could consume. 

Recent news about Social Security, pensions and health care shows that the US government has excessive debt today and that we as individuals need tactics to make sure, when governments, pensions and insurers weasel out of their promises, that we can take care of ourselves.

One big broken promise is Social Security and Medicare.  The most recent Social Security trustee report shows that the programs will begin to spend more than they earn within just three or four years.   The Medicare hospital-insurance trust fund, could use all its reserves by 2028.  They face insolvency over the next 20 years because Social Security runs totally out of money by 2034.

This is a bigger problem then it may seem because it creates an even bigger broken promise concerning the US dollar.

Medicare and Social Security already account for 41% of federal spending.  That was the expenditure last year.  This is not a static problem.  Each year that percentage is growing worse.  This creates a special risk for the dollar because Social Security’s reserves are not really assets at all.  The purported assets are simply IOUs from the US government.

Social Security assets are a liability of the government, so eventually the money comes from the same place as all other government expenditure, taxes or federal debt.  This means that if Social Security has to sell an asset, then the government, already overburdened by debt, will have to borrow the money from somewhere else.

If the Fed cannot raise enough money to pay Social Security only two options are left, devalue the greenback or don’t pay.

When Social Security was established in 1935, the President and Congress imposed taxes to pay the promised benefits. Thirty years later politics had changed.  When Medicare was established in 1965, the government took credit for the popular health coverage but left the payment problem for future generations.

President Nixon and Congress also enjoyed the popularity of they increased Social Security benefits  in the 1970s but left future generations the bill.

The public has not been fooled.  A survey in 1964 found that 77% of the population answered yes to the question “Do you trust the government to do the right thing “just about always” or “most of the time”.  Only 19% answered yes in 2015 according to Pew Research.

Yet what can individuals do other than what we have, voting in new administrations?

Voters attempted to create change in 2008 with a new administration.  The election process and result of 2016 suggests they were no pleased with the results. 2017 and beyond may be “interesting” years.

There should be little wonder that Americans have stopped trusting politicians who promise benefits to get and remain elected but leave the burdens of paying for the promises to pile up waiting to sink the next administration.

This problem has grown so large that in 2011 Federal Reserve Chairman Ben Bernanke “maintaining the status quo is not an option. Creditors will not lend to a government whose debt, relative to national income, is rising without limit.”

In 2014 Federal Reserve Chair Janet Yellen told Congress that more work must be done “to put fiscal policy on a sustainable course.”

If the government does not resolve this problem soon, then the world of lenders will.  If the US has to raise interest rates to continue attracting loans, a downward spiral will grow.  Higher rates create greater debt and greater debt demands higher interest payments. The costs will be catastrophic.  As investors flee US bonds and T-Bills for safer investment, the US dollar will lose purchasing power.

Social Security, if paid and even if paid in the same amounts as before, will buy less.  If Medicare stops working then all that’s left for backup is Obamacare and the private insurers in the plan.

This is another broken promise.  When United Health Group, the nation’s largest health insurer, recently announced that it was pulling out of Obamacare insurance the public learned that it will face higher premiums.  Many will need to choose a new plan, change doctors and hospitals as well.  United Health is not the first or only insurer to quit. A dozen nonprofit health insurance cooperatives shut down just last year.  The giants Aetna and Blue Cross Blue Shield are even considering a drop out.

If Social Security and health care promises are broken that just leaves our pensions. Right?

Yet if we look at the Pensionrights.org website we see hundreds of corporations that have reduced pension benefits including the likes of Honda Motor Co., Ltd., Allstate Corp., Coca Cola, Boeing, Caterpillar, Kraft Foods, Hewlett Packard, Fedex GM and GE to name a few of over a hundred.

This problem is not limited to corporate pension.  An Economic Budget Issue Brief issued to Congress from the CBO (Congressional Budget office”) says:

“By any measure, nearly all state and local pension plans are underfunded, which means that the value of the plans’ assets is less than their accrued pension liabilities for current workers and retirees” CBO.

The report shows that even five years ago the short fall of State and Local Pensions was over 3 trillion dollars, more than all other state and local debt

That leaves the Pension Benefit Guaranty Corporation (PBGC) as a safety net.  In the 2015 PBGC’s annual report the Director’s message says:  “One of the most important functions of PBGC is assuming responsibility for pension plans when their sponsors can no longer keep them going.  We insure the benefits of more than 40 million workers and retirees.  Currently, we pay more than 800,000 people each month.  An additional 585,000 workers are scheduled to receive benefits from PBGC when they retire.”

But if you look at the first paragraph of the Financial Report in that annual report you see:

“PBGC’s combined financial position decreased by $14,577 million, increasing the Corporation’s combined deficit (net position) to $76,349 million as of September 30, 2015 an all time record high from  $61,772 million as of September 30, 2014”.

Every step along the way we see shortfalls, debt with little hope of repayment and an economic overhang that will eventually create broken promises at every level from the pensions, healthcare, Social Security and most from a falling US dollar.

These facts will ruin the life styles of millions, but not all.

In short, there is risk in even the safest investments and there is a possibility that a negative financial outcome might occur.

This is why multi dimensional business opportunities make sense.  You can profit from expanding your utility.  The US currency may fall but your business can offer valuable, needed services or products that will be worth more than gold.

You can gain from having a source of income in a place where you have the best chances of control.  This is why for centuries… small business have had a home upstairs and business below, so the owner could control their business.

Those who profit most in changing times are those who add new dimensions to old time proven ways.  Modern technology offers many exciting ways to create multi dimensional profit and can earn income at home.

When you have your own business, you reduce the need to place excessive demands on your savings and you reduce the risks of broken promises especially when your have a multi dimensional business with multiple streams of income.

At the end of this report, you’ll find three day special offer that can help you integrate multiple streams of income and investing for the ultimate form of profit and safety.

Merri and I aim to create multi dimensional opportunity wherever we live.

In Florida we bought a house and an orange grove next door.  Then we added a rental unit.

In North Carolina we bought a farm, then we added a seminar center, rental units and a trout raising business.

Products and services of essentials, food, clothing, shelter, protection and good health are the real golden assets in the worst times.

Imagine the scenario where our entire structure melts down.  “See the man who has just come in to get some milk for his family.  He stares at the rows for canned milk.  They were empty. Cleaned out.  He closes his eyes.  The world spins.  He snaps his eyes open and checked the rows again.  They are still empty.  He feels oddly betrayed.  Grocery stores are the supports of life.  When you need something you come here.  This is a fact of life in today’s world.  How can he not take this for granted.

“He rushes to the dairy case.  That’s empty too.  He runs to other shelves and sees shoppers piling up food, any food they can grab, throwing entire rows into their carts.  He is pushed and shoved in a mad rush to take any remaining food.

“The man speeds off to the nearest Dollar Store but finds the parking lot filled, lines waiting just to get in the door.”

Just one disruption in the supply line and in a day, the stores were empty. Our modern world is so intricately connected and stores operate on a just-in-time inventory control system.  When you buy anything a computer orders more and it comes next shipment, next day. One glitch in this complex system, one short break and the shelves rapidly go empty.  The barer the shelves, the faster everything goes.

Yesterday everything had been normal. Suddenly there was no milk anywhere.

The man’s tale is imaginary, but the fabric behind it is not, as the real story below shows.

In September and November of 2016, the Colonial pipeline that supplies millions of people with gasoline was shut down.

In November, one simple error caused the disruption.  A track hoe digging for utilities accidentally struck the pipeline, ignited gasoline and caused an explosion.

In September there was a leak (over a quarter million gallons of gas) that caused the disruption.  While shut down, so many people rushed to the gas station to fill up that it created a panic and shortage.

I spoke with the owner of the local gas station we use. He said people were lining up to fill their cars, gas cans and even large tanks in pickups.  He had to limit sales.

A shortage of just about any essential quickly creates panic.  In the pipeline disruptions motorists running to gas stations deviated from their normal consumption habits at the pump and quickly exhausted existing supplies.

There was still plenty of gasoline, but the ability to transport the product to North Carolina (and four other states) was restricted.  Loss of common sense, civility and safety flew out the window within hours.

This was despite the good news that there are two pipes that run side-by-side.  Only one was ruptured, so the disruption was not as bad as it could be.

The September leak, just one small problem in just one pipeline led to days of dry pumps and higher gas prices in Alabama, Georgia, Tennessee and the Carolinas while repairs were made.

Five states are so dependent on just two side by side  pipelines that their shutdown can create panic for millions of people in under one day.

Merri and I make each of our houses multi dimensional…a home and a source of income from some essential product.

Governments are going further into debt globally.  This creates serious debt and economic problems everywhere.  These burdens mean that governments and societies lose their ability to keep their promises.  Multi dimensional earnings can help overcome the risks these conditions create.

Our website has long shared the idea of multi dimensional business, investing and living.  We have looked at the idea of living as a landlord or the idea of multi dimensional writing and farming or Ecuador farming with B&B, plus Ecuador B&Bs on the beach or in the Amazon to name a few.

Multi dimensional opportunity earns in numerous ways.

Merri and I have always created multi dimensional opportunity in our global travels.  We have united self publishing, seminars, tours, real estate, teaching, currencies, investing and real estate to enhance our income and living.  For example in London we converted a house into an office and bedroom time share. We found special currency deals that helped.

I came across this (one of my first) multi dimensional opportunities when I wanted to finance a house purchase in London.  My business plan was to create a small office-apartment complex.  I would live in part of the house, have an office in part that I would share with a number of my readers.  The deal was aimed at helping overseas businesses people have an office and a place to stay when they were in London.  I set up a club something like a timeshare.  Not quite a timeshare but close enough.

My track record with the bank was good and I had always repaid loans.  Yet the policy at that bank was “timeshares are no-nos”.  I could almost see the glaze come over my bank manager’s eyes as I explained the project.  It was the look that said “No matter what you say, the answer will be NO”.  Once a manager thinks that what you want is against company policy, it is better to do something realistic like climb Mount Everest on a lunch break.  I come from a family of modest means and had no relatives or friends with the cash to start the deal so my alternative was to find overseas investors.

After making the necessary polite motions with my banker and letting him do likewise, I thanked him for his time and was preparing to leave.

Then he said, “By the way let me show you our new American Express Gold Card plan”.  The bank had just started to offer credit cards and they came with a 7,500 pound unsecured overdraft.  He told me that overseas investors could have these as well as local investors and customers.

Overdrafts are a peculiarly British line of credit that allows you to borrow up to the limit of the overdraft without any regular payment plan.  The banker sort of expects to see the amount borrowed rise and fall.  The borrower just pays interest on whatever amount is owed and on occasion the bank reviews the overdraft with you.

At that time one pound equaled about 2.2 dollars so this meant that everyone who obtained this credit card received a $16,500 dollar unsecured line of credit. $15,000 was the amount I was charging each member who joined my London office-apartment club!  I immediately saw how to use this to attract overseas investors.

I wanted 50 members at $15,000 each which was double the $375,000 I needed to buy and develop the property. I saw how to turn my customers into my overseas investors.

My head was spinning as I left the bank.  The bank would not give me a $375,000 loan secured by property.  Yet they would lend my buyers of the club the full price of membership on an unsecured basis.  All I needed was get half my buyers right now on a nothing down pre -purchase deal.  This is exactly what I did.  My customers became my overseas investors.

I hustled out, called my customers and offered them this deal they could not refuse.  “Join our club now and you get an American Express gold card.  The bank will lend you the money unsecured for your club membership.  Pay it back when you can.” 

That was a deal that few overseas investors could refuse.

This was a much better deal for me than borrowing the money from overseas investors to start.  The original 25 sales were financed by the bank.  My customers had to pay the money back, not me.

My clients loved me for this deal.  The British pound collapsed shortly after.  That 7,500 loan that created over $15,000 became much less expensive…. barely $10,000.  Those who borrowed made about $5,000 (33%) forex profit on the loan as well as the good real estate deal.

They made such a profit on the currency change I wrote a report about it and earned additional income from the report sales.

In that real example, I used my writing to enhance a real estate deal.  The real estate helped me promote my seminars and sell a report plus I ended up with a income and a wonderful central London house to live in.

There are many multi dimensional real estate opportunities, land that offers a low stress, healthy home, farm income and other profit potential all at the same time.  Merri and I sponsored many Ecuador real estate tours to help readers buy multi dimensional real estate like Ecuador beach farms that provide rentals and farm income.

When investing and business are balanced the building of wealth becomes a more fulfilling, enjoyable process of service.  Great financial rewards are an extra benefit rather than ultimate goals.  Worries about money become less dominant and we gain an inherent power because we want to work harder and longer.  We don’t need to search (and spend) so much for fulfillment and are more likely to excel financially.

Three Layer Financial Plan

Having our own business allows us to operate at peak performance and create a PIEC (Personal Income Earning Corridor).  Having a PIEC business does not mean you should put all your money in just your own business (though at times you may).  Diversification is always good.

PIEC portfolios come in three layers, first the personal business, then a layer of very safe investments over a third, much smaller layer of speculative deals.

The majority of PIEC diversification beyond our business should be in stodgy, liquid investments such as utilities, CDs, bonds and good value equities.

I prefer Country Index ETFs that provide diversification into entire equity markets.  These investments might pay little in the short term, but are safe and they are highly liquid at a known price.  The low return on these investments is acceptable because they support your PIEC business which maximizes profits and adds comfort like few other investments can.

These very safe investments act as reserves if your business hits a sticky patch and can provide ready finance if sudden business opportunities arise.  They also don’t take up much time in research, accounting, watching the market, etc. so you can devote your energy doing what you love (your business).

However, if you genuinely love researching and tracking the market and have the mentality, capital and experience for it, just being an investor can be a wonderful PIEC business in itself.

The third layer of diversification can be speculative because modern portfolio theory suggests that safe investments are enhanced and made safer by adding a small amount of higher risk deals.  This also allows us to fulfill any casino mentality we might have left if having our own business is not enough.

PIEC investing makes it easier to create and keep wealth.  It enhances our lifestyles now, because it lets us make money being who we really are.  It makes life more fulfilling and fun.

Integrating investing and business reduces the risks of placing excessive demands on your savings, especially if we have an anchor of value.

#4: Find your Anchor of Value.

Find your passion.  Knowing ourselves also helps begin a business with a most powerful business tool I call the Golden Rule of Simplicity.  This rule says there are millions of people just like us.  When we truly see ourselves we look into a mirror that reflects an entire market who feel and desire just as we do.  This is a simple rule yet gives us a finely tuned market research system which shows us how to get create our product, get in touch with our market, deliver the product or service and surrounds us with like minded souls.

Self-knowledge is also essential for comfort and comfort is a vital part of everlasting wealth.  When investors are not comfortable, no profit is enough.  Uncomfortable investors have a never-ending thirst for more that cannot be quenched.  This indefatigable desire gums up the money making process.  Amounts don’t matter.  Even investors with incredible assets suffer this never-ending lust.  A well documented example is Bunker Hunt’s huge losses when he speculated in silver in the 1970s.  He had hundreds of millions yet speculated it all to make even more. When is hundreds of millions not enough?

Develop your investment rules.  Whatever your passion you will need to establish your method – the criteria you will use to select shares for your portfolio.

Whatever your preference you need to establish your key criteria.  Once you have your method working well, improvements come from experience and practice – learning from the successes and failures of each and every investment you make.  The quote “The harder I practice, the luckier I get” applies here.

Know when to sell – and when not to.  A key factor in effective portfolio management is to run profits and cut losses.  This is counter-intuitive for most people because it is natural to want to grab a profit and rather unpleasant to realize a loss.

If you run your profits they can become very big.  If you cut your losses they will always be relatively small.

To understand this approach better, let me ask a question.  What if I offered you a free Mercedes Benz?

You would probably say YES… but would be thinking… “What’s the catch?”  That’s good because we all know there is no such thing as a free lunch, much less a free new car.

Would an answer be harder if instead there was a choice, a FREE Mercedes or $4 million bucks (as in US dollars)?

Most would choose the cash.  Yet of course we would still be expecting a catch.  There is a penny to drop, some risk and the need to ignore the thundering herd and an absolute requirement of discipline.

Let me share a true story about how and why an investor in similar circumstances got the Mercedes and had the $4 million, but then lost it.

The story contains three valuable tips.

Once upon a time, 1981 to be exact, there was a recession. An economic and political mess arose across the land.  The story began with unemployment.  In 1981, the US Presidential election was over, the US economy was hurting and the new government and president were turning on the money printing machine.

This was a gloomy time, those early 1980s.  Really.  That was the worst recession since the great depression.

You often hear that the worst recession since the great depression was the great recession of 2007.  This is statistically wrong.  1982 was worse.

The times were dark and this story begins at the end of the 1980 Presidential election when the US economy was at its worst in 50 years and getting worse.

Our hero in the story thought the stock market would recover, despite the fact that everyone thought everything was bleak and black.  He approached his bankers and asked to make some leveraged investments in the stock market.

His goal was to make enough profit to buy a brand new Mercedes Benz.

He opened the account and bought shares. He used those shares as collateral to leverage these investments with borrowed Japanese yen.

His timing was lucky.  The stock market rose quickly.  The Japanese yen collapsed.  His profits shot past his goal to buy the car.

The Fever

Bubble fever had set in so when the hero’s investment manager called with that great news, “You have enough for your new Mercedes“, the investor changed his mind.  “Let it roll,” the investor said.  “I want to make a million instead”.

The investment manager left the portfolio alone and soon the investor’s profit rocketed past 1 million dollars.

The investment manager called.  “You have made a million bucks… perhaps we should take some profits.

Let it roll,” the investor said. “I have decided to make two million instead.”

The investment manager left the portfolio alone and soon the investor’s profit rocketed past 2 million dollars.

The investment manager called.  “You have made two million bucks… perhaps we should take some profits.

Let it roll,” the investor said. “I have decided to make three million instead.”

The investment manager left the portfolio alone and soon the investor’s profit rocketed past 3 million dollars.

The investment manager called.  “You have made three million bucks… really we should take some profits.

Let it roll,“… the investor said. “I have decided to make four million.”

As the portfolio was nearing four million in value the investment manager called.  “You have made almost four million bucks… perhaps we should take some profits.

Let it roll,” the investor said. “I have decided to make four million and enough for a Mercedes.”

Shortly after the stock market corrected and the yen strengthened.  Profits fell so quickly the investor lost a million almost overnight.

The investment manager called.  “You have lost a million bucks… we had better take the profits.

Hold,” the investor said. “The market will come back”.

The stock market fell more and the yen grew stronger.  The profits fell even faster and the investor lost another million.

The investment manager called again.  “You have lost another million bucks… it’s time to take your profits.

Hold,” the investor said. “The market will come back”.

The stock market continued to plummet and the yen rose more.  The investor lost another million.

The investment manager called.  “You have lost three million bucks now…  You really should take the profits left.

Hold,” the investor said. “The market will come back”.

Finally as the market plunged more and profits faded away, the investor, having lost more than 3.5 million, closed his positions and had just enough profit left to buy his new car.

The Mercedez was black and shiny… a big 500 SEL model… king of the road.  The hero never enjoyed it much.

The moral of the story is that when you invest you need a plan, a discipline and to know when to holdem and when to foldem.

Remember that there are always three distinct options – buy, sell and hold.  We’ll look at how to decide when to buy, to sell and to hold later in this report.

Make sure you have some liquidity. You should always keep an eye on the “liquidity”, the ease with which you can sell all or part of your portfolio. If you are invested mainly in big cap stocks you will have little trouble going into cash if necessary.  However, if you have focused on smaller growth shares it makes sense to keep enough of your PIEC portfolio in large companies.

Select shares that can, if necessary, be turned into cash instantly and provide some comfort if the market as a whole turns ugly.

The potential gains on very large companies are not likely to be as high as those from smaller growth companies, but they can and often do well enough to give you a warm feeling.  Remember comfort counts!

Diversify – but not too much.  Your portfolio should contain no fewer than 10 shares, and you could put 10 percent of your money in each of your top selections.  Diversification is essential to reduce risk, but too much of it can hinder performance.

One of the best ways to have huge diversification in a small portfolio is with Country Index ETFs.  These ETFs are similar to an index mutual fund but are shares normally traded on a major stock exchange that tracks an index of shares in a specific country. ETFs do not try to beat the index they represent. The management is passive and tries to emulate the performance of the index.

Most country index ETFs are invested in dozens, often a hundred or more, shares.

For example, the iShares MSCI Australia (symbol EWA) is a Country Index ETF that tracks the investment results the Morgan Stanley Capital Index MSCI Australia Index which is composed mainly of large cap and small cap stocks traded primarily on the Australian Stock Exchange mainly of companies in consumer staples, financials and materials. With 72 constituents, the index covers approximately 85% of the free float-adjusted market capitalization in Australia.

A portfolio of a dozen country index ETFs represents diversification to hundreds of shares and a dozen currencies.

Diversifying into countries is safe because countries  generally do not go away, go bankrupt or become challenged by changing technology and altering markets.

Diversifying into countries is also relatively simple because, there is sufficient analysis of global markets so every country’s stock market can be compared and markets of best value included in a safe portfolio.

In addition these valuations do not change quickly.  In 2016 our portfolio of 20 good value country index ETFs had only one change, an addition of the Turkey Index ETF, in the year.

This low volume turnover gives us time to put our focus and energy on our business and the passion we love most.  Studies over decades suggests that this simple slow trading, highly diversified approach increases long term profits and increases safety.

Country ETFs provide massive, good value diversification at a really low cost.

Most passive country index ETFs have minimal cost structures.

#5: Keep costs down. 

High trading costs are one of the biggest drags on the performance of your PIEC portfolio.

There are numerous costs we need to keep an eye on.

Load fees. Avoid back-end and ongoing load. When looking at mutual funds, we’ll typically see them listed as A shares, B shares, and C shares.  All of these share classes have some type of load.  Avoid them.

A shares include a front-end, a guaranteed loss the minute you buy.  B shares come with a back-end load, a guaranteed reduction of any profit or expansion of any loss.  B shares typically charge 5% if they are sold within a specified time (normally five to seven years). There are also higher ongoing operating expenses for B shares. Fund companies typically charge up to an extra 1 percent a year for B share operating expenses.

C shares charge a penalty (usually 1 percent) if a sale is made within the first year.  They also carry higher expense ratios.

12b-1 fees are fees hard to see internal fees that cover a fund’s marketing and distribution costs. Funds can 12b-1 fees to pay brokers incentives for selling their funds. We should watch 12b-1 fees to make sure our broker is advising this fund because it is a good investment, not because he or she is receiving an incentive.

Management fees. We should make sure we get what we pay for, a good manager who makes us feel comfortable by helping build safety and steady performance in our portfolio.

Churning. Some funds and brokers churn, or buy and sell more than is really required.  History suggests that the less activity in a portfolio, the higher the return. Active management is one thing, but funds and brokers can increase their income with excessive transactions that do little or nothing to help us as investors.

Misallocation. Many investors are misallocated for the benefit of the bank or broker.  There are a remarkable array of unnecessarily risky, undiversified portfolios created to generate fees, and that have nothing to do with a client needs. Beware of complex and expensive portfolios full of bits and pieces that are hard to understand. Low transparency can often be associated with high costs.

Expense ratios in fund doesn’t cover all of the costs.  All investors, whether using funds or not face other costs such as brokerage and bid-ask spreads.

Bid-ask spreads for example are subject to market friction.  Markets are liquid because makers standing ready to buy or sell shares at all times.  They are paid by the difference between what they will buy and or sell for.

Shares that have less liquidity, ie.  Not many buyers and sellers, have bigger spreads between buying and selling prices.

Investing in widely held index funds and index ETFs can reduce this cost gap.  Such investments normally trade within fractions of a cent, keeping this this hidden expense in check.

Trading commissions make active trading an expensive way to increase profits. Trading costs sandbag our profits from the start.

Taxes need to also be considered. Buying and selling quickly increases fees and also creates short-term capital gains taxes.

Be careful of margin account as well. Most brokers will let us borrow money (for a fee) so we can leverage our investments.  This increases any profits or losses created, but also adds the interest cost of the leverage.

If we add up all the potential fees, redemption fees, brokerage fees, back-end load fees, management fees, inactivity fees, 12b-1 fees, transfer fees, minimum equity requirement fees, commissions, the cost of limit orders and consultancy costs, before investing.

We should know what all our fees are.

Passive Funds Usually Cost Less. Because reducing costs is a major factor in investment success, low cost passive funds that do not require high cost managers generally out perform managed funds in the long run.

Over a 15 or 25 year period very few managers outperform the respective benchmarks of sectors where they invest by a couple of percentage points.

It’s an easy way to game the stock market, and getting easier by the day.

In Part Two of this report we’ll look at the more speculative end of our PIEC portfolio.

While we are sharing this report, I want to make a special offer, limited to the next three days, that can help you integrate your business and investing.

We offer two courses for attaining financial security.

The first is our “Live Well and Free Anywhere Program”.  The program contains  a series of courses and reports that show ways to earn and be free. These courses and reports are:

  • “International Business Made EZ” course
  • “Self Fulfilled – How to Write to Sell” course
  • Video Workshop by our webmaster David Cross,
  • The entire weekend “Writer’s Camp” in MP3,
  • The report “How to Raise Money Abroad”
  • Report and MP3 Workshop “How to Gain Added Success With Relaxed Concentration”
  • Any updates to any of the courses, workshops, reports or recordings for a year.

You can learn all about this program at How to Have Real Freedom, but do not order the program there for $299 .  If you subscribe to the Purposeful investing Course in the next three days, I’ll send you the program free.

I invite you to join me and a small selective group who for the next year will participate in an intensive program called the Purposeful investing Course (Pi).  The purpose of Pi is finding value to increase the value of and protect our savings, pensions, income and wealth in good times as well as devastating economic conditions.

Learn Slow, Worry Free, Good Value Investing

Stress, worry and fear are three of an investor’s worst enemies.  They create a Behavior Gap, that causes investors to underperform in any market good or bad.  The behavior gap is created by natural human responses to fear.   Pi helps create profitable strategies that avoid losses from this gap.

Lessons from Pi are based on the creation and management of a Primary Pi Model Portfolio, called the Pifolio.  There are no secrets about this portfolio except that it ignores the stories from economic news (often created by someone with vested interests) and is based mainly on good math that reveals the truth through financial news.

The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets using my (almost) 50 years of global experience and my study of the analysis of four mathematical investing geniuses (and friends).

The Pifolio analysis begins with a continual research of international major stock markets that compares their value based on:

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return

#7:  Market history

We combine the research of several brilliant mathematicians and money managers with my years of investing experience.

This is a complete and continual study of what to do about the movement of international major and emerging stock markets.  I want to share this study throughout 2017 with you.

This analysis forms the basis of a Good Value Stock Market Strategy.  The analysis is rational, mathematical and does not worry about short term ups and downs.  This strategy is easy for anyone to follow and use.  Pi reveals the best value markets and provides contacts to managers and analysts and Country Index ETFs so almost anyone can create and follow their own strategy.

The costs are low and this type of ETF is one of the hardest for institutions to cheat.  Expense ratios for most ETFs are lower than those of the average mutual fund.  Little knowledge, time, management or guesswork are required.  The investment is simply a diversified portfolio of good value indices.  Investments in an index are like investments in all the shares of a good value market.

Pi opens insights to numerous long term cycles that most investors miss because they have not been investing long enough to see them.

For example, in the 1980s, a remarkable set of two economic circumstances helped anyone who spotted them become remarkably rich.  Some of my readers made enough to retire.  Others picked up 50% currency gains.  Then the cycle ended.  Warren Buffett explained the importance of this ending in a 1999 Fortune magazine interview.  He said:  Let me summarize what I’ve been saying about the stock market: I think it’s very hard to come up with a persuasive case that equities will over the next 17 years perform anything like—anything like—they’ve performed in the past 17!

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

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.  The two conditions are in place again!   There are currently ten good value (non US) developed markets,  plus 10 good value emerging markets.

Pi shows how to easily create a diversified, worry free portfolio in some of these good value markets using Country Index ETFs.

The current strength of the US dollar is a second remarkable similarity to 30 years ago.   The dollar rose along with Wall Street.  Profits came quickly over three years.  Then the dollar dropped like a stone, by 51%  in just two years.  A repeat of this pattern is growing and could create up to 50% extra profit if we start using strong dollars to accumulate good value stock market ETFs in other currencies.

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago.  The trends are so clear that I created a short, but powerful report “Three Currency Patterns for 50% Profits or More.”   This report shows how to earn an extra 50% from currency shifts with even small investments.  I kept the report short and simple, but included links to 153 pages of  Good Value Stock Market research and Asset Allocation Analysis.

The report shows 20 good value investments and a really powerful tactic that shows the most effective and least expensive way to accumulate these bargains in large or even very small amounts (less than $5,000).  There is extra profit potential of at least 50% so the report is worth a lot.

This report sells for $29.95 but when you subscribe to Pi you’ll receive the report, “Three Currency Patterns For 50% Profits or More” FREE.

Plus get the $39.99 report, “The Silver Dip” free.

With investors watching global stock markets bounce up and down, many missed two really important profit generating events.  The price of silver dipped below $14 an ounce as did shares of the iShares Silver ETF (SLV).   The second event is that the silver gold ratio hit 80 and has remained near this level, compared to a range of the 230s only two years ago.

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

I prepared a special report “Silver Dip 2015” and updated this in 2017.   The report explains the exact conditions you need to make leveraged silver & gold speculations that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share long term lessons about speculating in precious metals gained through 30 years of speculating and investing in gold and silver.

The low price of silver offers special value now so I want to send you this report because the “Silver Dip 2017” offers enormous profit potential in 2017.

Save $457.95 if You Act Now

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

Triple Guarantee

Enroll in Pi.  Get the first monthly issue of Pi and the report “Three Currency Patterns For 50% Profits or More” and the “Live Well and Free Anywhere Program” right away. 

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

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

#2:  I guarantee you can cancel your subscription within 60 days and I’ll refund your subscription fee in full, no questions asked.

#3:  I guarantee you can keep “Three Currency Patterns for 50% Profits or More” and “Silver Dip 2015” plus the Value Investing Seminar as my thanks for trying.

You have nothing to lose except the fear.  You gain the ultimate form of financial security as you reduce risk and increase profit potential.

Subscribe to a Pi annual subscription for $197 and receive all the above.

I am so confident that you’ll gain from this offer that if you are not fully satisfied, simply email me within 60 days for a full refund  and keep the $299 “Live Well and Free Anywhere Program” as my thanks for giving Pi a try.  

 

 

 

 

 

The Importance of Investing Purpose


Here is an example of how value investments can be safe, profitable and have purpose.

Merri and I care about the sustainability of essential oils.  Aromatherapy has become such a fast growing way to help maintain natural health that many essential oils have become very expensive and the root plant has become threatened.  Sandalwood is such a oil.  When I read that sandalwood was so threatened that there were smuggling wars over it, I began researching for ways to support sandalwood sustainability.

I found a way with the TFS company in Australia.

On February 13, 2014, I wrote: 

“Sandalwood’s place within science and scent make it interesting as a medicine and an investment.”

Sandalwood is used in perfume, fine furniture and carving, religious ceremonies but has extra demand potential due to its great medicinal qualities.  Sandalwood oil has been used traditionally by herbalists to treat skin diseases, acne, dysentery, gonorrhea, and a number of other conditions.  In Traditional Chinese Medicine, sandalwood oil is considered an excellent sedating agent.  Sandalwood is already accepted as a medicine in Germany.  As  health care costs rise… the demand for sandalwood is most likely to increase as well.

The research found that the only public company in the world with sandalwood plantations was in Australia, TFS Corp. Ltd.  I also saw that there was potential for 1,000% appreciation in the next ten years.

As the chart below from finance.yahoo.com shows, the TFS Corp. Ltd. share price was $1.06 at that time (Feb 13, 2014).  Over the next eight months, this price skyrocketed to $2.22, a 107% gain.  Wow!  Was that investment good!  This could make a person feel good, supporting a belief and doubling one’s money.

tfs corp

TFS Corp Ltd (symbol TFS) chart at www.finance.yahoo.com

I warned back then, in 2014, that this type of investments was not without uncertainty.   This is a volatile long term investment.

As the chart shows, I was also correct about this.  Since that first message about sandalwood, the price has been as high as $2.22 and as low as $1.11 and is currently around $1.50.

In this last two years, this investment in shares of TFS Corp has more than doubled, then lost half and is now in between.

How have I reacted as the shares have moved?  Not at all.  I have not cared about the volatility because this investment was made to support a worthy cause, was chosen for its good long term potential and has the potential, sometime in the next decade, to really skyrocket.  This is such a volatile, speculative investment that one should ignore the ups and downs and not create a stop loss.  This is a lose or win big investment.  So far the price has risen almost 50% since our first message about this share.  Tomorrow this could double or dramatically fall.

What makes an investment in TFS Corp. safe is when the investment is very long term and is a small part of an equally weighted globally diversified good value portfolio.

This is how I add purpose in my portfolio.

How to Learn More about Sandalwood Investing

Most brokers can buy Australian shares for their clients and should be able to purchase TFS corp. shares. You can research this business on your own (the company is called TFS Corp. and it is listed on the Australian Stock Exchange) or to save you endless hours and numerous calls to Australia you can order the report at Amazon.com.

Screen shot 2014-01-28 at 5.28.13 PM

Sandalwood Investing Report

Gary

We’ll look at TFS Corp and other sustainable resource investments at the International Club retreat this August.  If you plan to attend, do not delay as there are only a few spaces left.

How Fake News Can Make You Rich

Fake news is one of the greatest dangers to the well being of democracy.  But their is a silver lining in phony information.  The silver lining is that reliable information provides a huge advantage over investors who get sucked in by alternative facts.

Let me explain why…

Periods of high performance are followed by periods of low performance.   This is a global investing fact.  The fact has nothing to do with what’s in the news.   In fact the news, even if its based on integrity is usually trumpeting an ever increasing stock market when its most likely to crash.  The news may be honest, but simply caught up in the moment and wrong.

Consider these facts.  The US dollar has risen 40% above its lows of 2011.  The greenback is at its highest level versus the Chinese yuan since 2008.  India’s rupee is also at an all-time low against the buck.  Other Asian currencies, the Singapore dollar and Malaysian ringgit have plunged to depths not seen since the financial crisis of 1997-98.  The euro, Mexican peso and Canadian dollar have crashed.  In other words, the US dollar is in a period of high performance.  A lot of news however states that dollar based investments sold by Wall Street will continued to rise, even though the dollar is inflated, bloated, overpriced and destined to fall.

The US dollar is in a similar position as at the beginning of Ronald Reagan’s first term.  This was a time of widening budget deficits, rising interest rates and a US dollar surge.  This created a problem then, as it does now, and creates huge opportunity for those in the know.

The US economy is a smaller part of the world economy now than it was during Ronald Reagan’s presidency, but the US dollar has become more important in global trade. Yet the greenback’s importance has grown.  By one estimate the true dollar zone, America and currencies that move in line with the greenback, covers 60% of the global economy.  Due to this fact, governments and businesses outside the US have accumulated almost ten trillion dollars of debt that is denominated in US dollars.

The terror in this debt is that it acts as a global financial amplifier.  Dollar debt is like a short position.  When the dollar rises, borrowers scramble to short-cover their position by selling their own currency.  This defeats the purpose of their hedging as it increases the strength of the dollar.  So they short even more.  Those short sales create an upward dollar spiral.  The buck rises higher and higher, based entirely on fear and speculation, until the energy is spent and the currency stalls and plummets out of control.

The last time we saw such a spiral was from 1980 to 1985.  The dollar rose 50% in those five years, then collapsed 50% in just two years.

The current rise of the dollar creates an especially dangerous conflict because Donald Trump wants to balance America’s trade.  A stronger dollar makes this impossible because it pushes up the cost of US material, US labor and US exports.

Strength in the greenback creates a special tension between China and US.  The Chinese currency, the yuan, has fallen 6% against the dollar in 2016.  The parity is near a psychologically important level of seven yuan per dollar.  This makes it hard for China to buy US goods and easier for US companies to make things in China instead of the USA.  This is also true in Mexico where the peso has crashed and in Canada where the Canadian dollar has dropped 30% in the last five years.  This means Canadian workers are paid 30% less when it comes to US dollar terms.

There you have it, a powerhouse dollar in Europe, China, Asia, Mexico and Canada while the USA desperately wants to balance trade.  America cannot afford trade wars with all these countries so a push down on the greenback is his best option.

The overpriced dollar, the poor value of the US stock market (compared to other markets) create a dollar crisis and a special opportunity for us as investors.

“If I Live Long Enough, I’ll really cash in next time”.    I made this promise to myself in the 1980s.   A remarkable set of economic circumstances helped anyone who spotted them become remarkably rich.  Some of my readers made enough to retire.   Others picked up 50% currency gains.  I invested as much as I could handle then as the profits rolled in for about 17 years.

Then the cycle ended.  Warren Buffet explained the importance of this ending in a 1999 Fortune magazine interview.  He said: Let me summarize what I’ve been saying about the stock market: I think it’s very hard to come up with a persuasive case that equities will over the next 17 years perform anything like—anything like—they’ve performed in the past 17!

Now those circumstances are headed our way again.

The Dow Jones Industrial recently soared past 20,000 and reached an all time high.   So why aren’t average investors all rich?   There are several answers.  First, even though the Dow has peaked, for the last 17 years the US stock market has been in a bear trend.  You’ll see why in a moment.  Another reason why the investors have not done so well is because of currency loss.

One final reason why profits have not been so good.  Someone, probably someone you trust, has been stealing from you.

One of the biggest obstacles in profiting from the upcoming circumstances has been and remains the financial system.  The reality is that banks and brokers have been structuring investments that are sure to lose.  They sell you on these investments and then another division of the very same bank (or broker) that recommended the investment, bets against you.   The bank knows that the investment is toxic.  To add insult to injury, many of these same institutions cheat you on the way in and the way out (when you buy and sell a share) of the bad investment.  Most brokers and bankers are interested in your money making them rich, not in helping increase your wealth.

Three Patterns Create 50% profits.

Despite the predators on Wall Street who are waiting to take big gouges out of your savings and wealth, equities are still the best place to invest for the long term.  This chart from the 24 page Keppler Asset Management Asset Allocation Review shows that over the past 80+ years equities have dramatically outperformed other types of investments.

keppler

Click on image to enlarge.

Good investments require a relentless search for value.   Your investments have to be good enough to reap an outstanding profit even after the parasites siphon off their part.

To take advantage of the once every 17 year circumstances, I chose to track Keppler Asset Management who continually researches developed and emerging markets globally.  Keppler is one of the best market statisticians in the world and numerous very large fund managers use his analysis to manage funds such as State Street Global Advisors.  Keppler compares the value of each share in each market based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  From this study of monumental amounts of data Keppler develops a Good Value Stock Market Strategies.  The analysis is based on long term, rational, mathematical facts and does not worry about short term ups and downs.

From Keppler I learned that market timing is not the way to get these high profits.  Another graphic from the Keppler Asset Allocation Review explains why.

keppler

Click on image to enlarge.

A dollar invested 88 years ago in Treasury bills rose to $20.58.  The same dollar invested in U.S. stocks over the 88 years grew to be was worth $4,677, UNLESS you missed the best 43 months.  Literally all of the the Dow’s growth in 1,056 months came in 43 of those months.   Your odds have been one in 24, better than roulette perhaps, but not good enough.  Plus even after these odds, the predators are going to take their cut.  You have to ask, “Am I that good at timing?”

The better alternative to timing is to invest in long term indexing based on value.  Long term strategic investing in market indices reduces the amount of trading.  Low trading activity is important because trades are where investors are most vulnerable to predatory tactics.

A part of the long term strategic trading is to invest in low fee diversified Country Index ETFs.  This simplifies the search for value because it focuses research into lumps.

A comparison of US versus German stock market indexes gives an example of lump research and you can create good value, low cost, diversified portfolios that offer maximum potential for profit as they reduce risk.

Keppler’s research shows that Germany’s stock market is a good value market.  Keppler lumps all the shares (or at least 85% of the shares) into the calculations.  There is no attempt to select any one specific share.  Keppler’s research shows that the US stock market index (a lump of about 85% of all the US shares) is now a poor value.

Germany has the world’s fourth largest economy.  The country is the third largest exporter in the world and has recorded some of the highest trade surplus in the world making it the biggest capital exporter globally.  Yet German shares have been overlooked.  German share prices are good value.

For example, recently the German Stock Market had a relative price to book value ratio of  .78,  a relative price earnings ratio of  0.87 and a relative dividend yield of 1.12.  The US Stock Market has a much higher relative price to book value ratio of 1.29, a relative price earnings ratio of 1.07 and a relative dividend yield of 0.81.  German shares cost much less, compared to the values and earnings.  German shares pay much higher dividends as well.

Keppler predicts that the US Stock Market (which is ranked as a sell market by Keppler) will have an annual index gain for the next five years of  3.1% and a total return (with dividends) or a total five year return of 21.7%.  The same calculations for the German Market predicts an average annual index gain over the next five years of 7.5% and a total return (with dividends) or a total five year return of 47.3%.

Which would you rather buy,  a 47.3% return sold for 78 cents on the dollar or a 21.7% return sold for $1.29 on the dollar?

You can forget about any specific share in the US or Germany and invest into an index (in this case the Morgan Stanley Capital Index) which represents about 85% of all the shares traded on the exchange.

You can invest in ETFs that passively invest in all the shares of the index in stock markets that offer good value.  iShares investment company for example has  an ETF that invests in 85% of the shares traded on Wall Street.

ishres

This ETF is called the iShares USA (symbol EUSA) and in this example rose from $22.91 to $43.40 or 89% in the past five years.

iShares also offers an ETF that invests in about 85% of the stocks listed on the German Stock Exchange (Symbol EWG).  EWG rose  from $19.70 to $28.13  or 42% in the past five years.

ishares

Keppler’s lump research shows that Germany is a good value market.   One simple (even very small) investment in iShares Germany MSCI Index ETF gives you a portfolio  of almost all the shares traded on Germany’s largest stock exchange in Frankfurt.  This ETF is a share traded on the New York Stock Exchange.  The ETF invests in 85% of the shares in Germany.  This ETF is a passive fund that does not try to outperform the growth of the German Stock Market.  The managers simply track the investment results of the MSCI Germany Index.  The MSCI Germany Index is designed to measure the performance of the large and mid cap segments of the German Index which is composed of the stocks of 54 different German companies and covers about 85% of all the German equities.  Germany’s ten largest companies compose about 60% of the index.  These ten companies are:  BAYER (Health Care) composes 9.91% of the index – SIEMENS (Industrials) 7.89% – DAIMLER (Consumer Discretionary) 7.04% – BASF (Materials)  6.81% – ALLIANZ (Financials) 6.65% – SAP STAMM (Info Tech) 5.69% – DEUTSCHE TELEKOM (Telecom Srvcs) 4.46% – DEUTSCHE BANK NAMEN  (Financials) 3.66%  – VOLKSWAGEN VORZUG (Consumer Discretionary) 3.18% – BMW STAM (Consumer Discretionary)  3.15%.

You lump your research.  You lump your investment.  This makes it easy to capture the powerful economic circumstances that are unfolding now.

Just investing in Germany is not enough.  There are currently ten good value developed markets, Australia, Austria, France, Germany, Hong Kong, Italy, Japan, Norway, Singapore and the United Kingdom.   Plus there are 11 good value emerging markets.  With even a couple of thousand dollars you can easily create a diversified portfolio in each or all of these countries with Country Index ETFs.

Investing in many stock markets through ETFs gives you opportunity in the second pattern of the falling US dollar.  Preserving the purchasing power of your savings and wealth requires currency diversification.

The strength of the US dollar over recent years is a second remarkable similarity to 30 years ago.   In 1980, the dollar rose along with Wall Street.  Profits came quickly over three years.  Then the dollar dropped like a stone, by 51%  in just two years.  A repeat of this pattern has been growing, is seriously overdue and could create up to 50% extra profit if you start using strong dollars to accumulate good value stock market ETFs in other currencies.

For example because of fears about the euro, EWG, the German ETF dropped 9 percent in 12 months.  These declines are created by currency concerns.  When the euro regains strength, the shares have the potential to appreciate even more.

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago.  The trends are so clear that I created a short, but powerful report “Three Currency Patterns For 50% Profits or More.”  This report shows how to earn an extra 50% from currency shifts with even small investments.  I kept the report short and simple, but includes links to 153 pages of Keppler Asset Stock Market and Asset Allocation Analysis so you can keep this as simple or as complex as you desire.

The report shows 22 good value investments and a really powerful tactic to use that allows you to accumulate these bargains now even in very small amounts (even $5,000).  There is extra profit potential of at least 50% so the report is worth a lot.

Research shows that most people worry about having enough money if they live long enough.   I never thought of that.   I just wanted to live long enough to see the remarkable economic opportunity that started in 1980 come again so I could hot the jackpot.  This powerful profit wave has begun.  I have made the investment myself  suggest you investigate this in my report “Three Currency Patterns For 50% Profits or More.”

Order the report here $29.95

My Guarantee

Order now and I’ll email the online report “Three Currency Patterns For 50% Profits or More” in a .pdf  file right away. 

I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through slow, worry free purposeful investing.  If you are not totally happy, simply let me know within 60 days and I’ll refund your subscription fee in full, no questions asked.

You can keep “Three Currency Patterns for 50% Profits or More”  as my thanks for trying.

You have nothing to lose except the fear.   You gain the ultimate form of financial security as you reduce risk and increase profit potential.

Order the report here $29.95

Learn how to avoid fake news cash in on the US dollar crash with Pi.

Pi ignores economic news and relies on mathematically based financial information instead.  Pi researches and shares how to reduce risk and increase profit by investing in portfolios of international stock market ETFs  that compare their value based on:

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return

#7:  Market history

Pi combines the research of several brilliant mathematicians and money managers with my years of investing experience to see facts rather than be swayed by rumor, conjecture and outright fake news.

The Purposeful investing Course teaches easy, slow ways to diversify in good value non US dollar stocks using Country ETFs.

The course teaches:

  • The value of time in investing and life.
  • The economics in cyber wars. How to look back at the economics of war to see ahead.
  • Great new innovations that will ignite a 16 year bull market from 2016 to 2032.
  • The next great fuel.
  • Timing long cycles, economic cycles and seasonality.
  • Trading Down, the biggest global trend ahead.
  • How to spot and overcome hidden inflation.
  • How to protect against pension loss.
  • The Silver Dip 2017. When and how to invest in gold and silver. How to double your position with loans.
  • How to spot currency distortions and borrow low to deposit high.
  • How, Why When & Where to bank abroad.
  • Three common sense ideas:   Avoid lines.  Go where you are a name not a number.  Decide who you are and what matters to you.
  • Why three economic trends that have made smart investors rich every 30 years are ready for cashing in now.

Learn how to improve safety and increase profit with leverage and staying power. 

Leverage is one way to add extra profit during currency drops.  Pi reveals Warren Buffett’s value investing strategy from research published at Yale University’s website.  This research shows that the stocks Buffet chooses are safe (with low beta and low volatility), cheap (value stocks with low price-to-book ratios), and high quality (stocks of companies that are profitable, stable, growing, and with high payout ratios).  His big, extra profits come from leverage and staying power.  At times Buffet’s portfolio, as all value portfolios, has fallen, but he has been willing and able to wait long periods for the value to reveal itself and prices to recover.

keppler asset management chart

This chart based on a 45 year portfolio study shows that holding a diversified good value portfolio (based on a  good value strategy) for 13 month’s time, increases the probability of out performance to 70%.  However, those who can hold the portfolio for five years gain a 88% probability of beating the bellwether in the market and after ten years the probability increases to 97.5%.

Time is your friend when you use a good value strategy.  The longer you can hold onto a well balanced good value portfolio, the better the odds of outstanding success.

Borrow Low and Deposit High.  Leverage is like medicine, the key is dose.  The best ratio is normally 1.6 to 1.  Pi teaches how to use this strategy; how to leverage cheap, safe, quality stocks and for what period of time based on the times and each individual’s circumstances.

Never run out of money.  Pi also has a lesson on the importance of having and sticking to a plan.   Success is dependent on conviction, wherewithal, and skill to operate with leverage and significant risk.  Learn a three point strategy based on my 50 years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

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

Learn how to put meaning into your investing by creating profitable strategies that combine good value investments with unique, personal goals.

In this way we get to learn together.  Review my personal investment portfolio in Pi.  My portfolio is developed from a continual analysis of international stock markets and a comparison of their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.

Markets included in this portfolio are all non US dollar denominated:

Norway
Australia
Hong Kong
Germany
Japan
Singapore
United Kingdom
Taiwan
South Korea
China

These markets have been chosen based on four pillars of valuation.

• Absolute Valuation
• Relative Valuation
• Current versus Historic Valuation
• Current Relative versus Relative Historic Valuation

In addition these markets have extra potential from the US dollar’s excessive price.

The Pi course also reveals how to use Country ETFs to easily construct a diversified, risk-controlled, equally weighted representative country portfolios in all of these good value countries.

To achieve this goal, my portfolio consists of Country Index ETFs in specific good value countries.  These country ETFs provide diversification into a basket of equities in the good value countries.  The expense ratios for most ETFs are lower than those of the average mutual fund as well providing diversification and cost efficiency.

This is an easy, simple and effective approach to zeroing in on value because little management and guesswork is required.

Learn Low Cost Trading

Pi teaches two optimal ways to buy and hold ETFs.  One tactic is with a unique online broker that offers the lowest cost dealing.  The other approach is with a community bank in Smalltown USA.

In this special offer, when you subscribe to Pi, you also receive an online seminar and two reports that can create profits from the dollar crisis. 

The Purposeful investing Course (Pi) teaches exactly what to do in situations such as we are seeing in global stock markets now.  This course is based on my 50 years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy Repeated Wealth

Pi’s mission is to make it easy for anyone to have a strategy and tactics that turn market turmoil into extra profit.

This is a complete and continual study of what to do about the movement of international major and emerging stock markets.  I want to share this study throughout 2017 with you.

This analysis forms the basis of a Good Value Stock Market Strategy.  The analysis is rational, mathematical and does not worry about short term ups and downs.  This strategy is easy for anyone to follow and use.  Pi reveals the best value markets and provides contacts to managers and analysts and Country Index ETFs so almost anyone can create and follow their own strategy.

A country ETF provides diversification and cost efficiency by spreading one simple, even small investment into a basket of equities in a good value stock market.  The costs are low and this type of ETF is one of the hardest for institutions to cheat.  Expense ratios for most ETFs are lower than those of the average mutual fund.

Little knowledge, time, management or guesswork are required.  The investment is simply a diversified portfolio of good value indices.  Investments in an index are like investments in all the shares of a good value market.

Pi opens insights to numerous long term cycles that most investors miss because they have not been investing long enough to see them.

For example in the 1980s, a remarkable set of two economic circumstances helped anyone who spotted them become remarkably rich.  Some of my readers made enough to retire.  Others picked up 50% currency gains.  Then the cycle ended.  Warren Buffett explained the importance of this ending in a 1999 Fortune magazine interview.  He said:  Let me summarize what I’ve been saying about the stock market: I think it’s very hard to come up with a persuasive case that equities will over the next 17 years perform anything like—anything like—they’ve performed in the past 17!

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

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.  The two conditions are in place again!   There are currently ten good value (non US) developed markets,  plus 10 good value emerging markets.

Pi shows how to easily create a diversified, worry free portfolio in some of these good value markets using Country Index ETFs.

The current strength of the US dollar is a second remarkable similarity to 30 years ago.   The dollar rose along with Wall Street.  Profits came quickly over three years.  Then the dollar dropped like a stone, by 51%  in just two years.  A repeat of this pattern is growing and could create up to 50% extra profit if we start using strong dollars to accumulate good value stock market ETFs in other currencies.

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago.  The trends are so clear that I have created a short, but powerful report “Three Currency Patterns for 50% Profits or More.”   This report shows how to earn an extra 50% from currency shifts with even small investments.  I kept the report short and simple, but included links to 153 pages of  Good Value Stock Market research and Asset Allocation Analysis.

The report shows 20 good value investments and a really powerful tactic that shows the most effective and least expensive way to accumulate these bargains in large or even very small amounts (less than $5,000).  There is extra profit potential of at least 50% so the report is worth a lot.

This report sells for $29.95 but you’ll receive the report, “Three Currency Patterns For 50% Profits or More” FREE when you subscribe to Pi.

Plus get the $39.95 report “The Silver Dip 2017” free.

With investors watching global stock markets bounce up and down, many missed two really important profit generating events.  The price of silver dipped below $14 an ounce as did shares of the iShares Silver ETF (SLV).   The second event is that the silver gold ratio hit 80 and has remained near this level, compared to a range of the 230s only two years ago.

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

I prepared a special report “Silver Dip 2017” about a leveraged silver speculation that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share long term lessons about speculating in precious metals gained through 30 years of speculating and investing in gold and silver.

The low price of silver offers special value now so I want to send you this report because the “Silver Dip 2017” offers enormous profit potential in 2016.

Subscribers who acted on the report when it was originally issued picked up a fast 54.1% profit in eight months and the report updates what to do in 2017.

Save $517.90 If You Act Now

Subscribe to the first year of The Personal investing Course (Pi).  The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription.  Plus you receive FREE the $29.95 report “Three Currency Patterns For 50% Profits or More”, the $39.95 report “Silver Dip 2016”, the $49 report “How to Grab Sequential Value Profits”  and our latest $297 online seminar for a total savings of $517.90.

ecuador-seminar

Triple Guarantee

Enroll in Pi.  Get the first monthly issue of Pi, the three reports and the Value Investing Seminar right away. 

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

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

#2:  I guarantee you can cancel your subscription within 60 days and I’ll refund your subscription fee in full, no questions asked.

#3:  You can keep the three reports and Value Investing Seminar as my thanks for trying.

You have nothing to lose except the fear.   You gain the ultimate form of financial security as you reduce risk and increase profit potential.

Subscribe to a Pi annual subscription for $197 and receive all the above.

Gary

 

Gain From Knowledge through Action


Here is why we need knowledge and action for economic freedom. 

65th octave

(See an excerpt from my novel that shows how to become profitably useful.)

The key to economic freedom is useful action.  Promises of economic security are rarely sincere.  For example last week 400,000 retirees protested pension cuts due this July.  A little-noticed act (the Multistate Employer Pension Reform Act) hidden in a huge 2014 end-of-year spending bill allows pension funds to renege on their promises if they are near insolvency.  The huge Central States Pension Fund is projected to be insolvent within a decade, so the Act has kicked in and severe reductions are being made.  For example a former trucker will see his $2,200 monthly pension fall to $1,200.  Some will see even larger cuts.

The recipients of these pensions often worked their entire lives based on the promise of a pension.  Now the guarantee of economic security in the golden years has been broken.

Congressional representatives who voted for the act are back pedaling.  They say the law was not presented on the level and never had its day in the sun.

These pension cuts must be approved or rejected by the Treasury Department May 7.  Watch for the decision as it could have huge ramification on your wealth.

The beneficiaries of this pension did nothing wrong.  They worked hard and relied on these promises made for their retirement.   Poor financial management by the pension plan’s trustees, the investment banks and other financial professionals that managed the fund let them down.  Now government pension guarantees are being eliminated.

This type of tale will grow.   The only way to assure a sound economic and happy life is to be profitably useful doing what you love.

I wrote the 65th Octave because in my first decades of global investment research I unearthed five golden investments that were among the century’s best.  Some readers made millions.  Yet a haunting question gnawed at me.  Information I gave delegates was the same, yet some investors earned fortunes, others made only a little and some lost!

“What was the difference between those who won and those that failed?”

This question haunted me.  Finding the answer became an obsession!  I reviewed thousands of economic experiences, talked to portfolio managers globally, even trekked jungles, through deserts and climbed high mountains to ask economic questions of wise men, Christian ministers, Incan Yatchaks, Andean Shamans, African missionaries, Hindu pundits in India, Sufi masters of Baghdad and Buddhist Llamas from Brazil.

The realities I saw could not be sent to my readers as fact so I spun what I learned into a novel, “The 65th Octave”.  My goal was to make the process of understanding abundance entertaining.  I threaded pieces of my research and years of experience into a story so readers could learn ways to fill their day-to-day business and investment activity with greater success, deeper social meaning and fulfillment without trying.

The 65th Octave, is an economic-thriller with a holistic quantum scientific twist.  Robin MacAllen, is a global consultant who lives in Florida and protects big banks and big investors from scams.  His friend stumbles onto an unbelievable con in England and is kidnapped.  MacAllen travels from Florida’s Everglades to a mysterious Celtic Isle and into the heart of England’s mystic lands to help.  The story takes a quantum twist when Robin is attacked by invisible, mystic forces.  He enlists the help of two Seminole Medicine Women, Talking and Silent Panther, to fend off the attacks.  They reveal an ancient cult, 65 controllers secretly taking over the financial world, cornering gold, stock markets, currencies and political power.  Beset by metaphysical attacks and chased by Florida’s most corrupt sheriff, Jimmy Ray Burnett, Robin learns Golden Words to beat the controllers and liberate his friend.  This story entertains as it shares deep economic wisdom derived from my years of working with investing gurus and shamans.

Here is an excerpt from Chapter 30 of the 65th Octave when Talking Panther tells Robin MacAllen about Golden Words that can bring him success. 

The only difference between an illiterate man and a scholar is education.  Not all scholars are wise, though.  The difference between a scholar and a wise man is truth.  But not even scholars who have heard truth are wise.  The difference between a fool and a wise man is action.   The key to action is knowledge, knowing.  Our silence needs to rest in truth.  This leads to action harmonious with the forces of nature.  Many men hear truth but fail to understand it or know it.

The blank look on Robin’s face prompted Talking Panther to continue. ” The Golden Words will give you an education in truth and the laws of nature.  The key to using this truth is understanding, and it is understanding that leads to action.  You will gain truth, but will have to act to apply that truth to your own existence.”

She closed her eyes again as she spoke.  “If I tell you how to ride a bicycle, you can learn all about it.  You could learn all the truths of how to ride that bicycle, the details, the techniques, what to say, do, wear.  But will you then know how to ride the bicycle?”

“I could still break my neck trying,” he replied.

She opened her eyes, looking directly at him and asked, “What must you do to know how to ride?”

He thought for a moment. “Ride,” he said.

She leaned closer to him now and her voice lowered to almost a whisper. ” Exactly!  You have to ride, to have the action of riding.  You have to act so you can combine your thoughts and your actions.  Until you do this, all you have are thoughts.  Thoughts without truth and action are like a rudder without a boat, a compass without stars.

“Thoughts are the source of action, but in our present world they are rarely united with action.  What we call knowledge is just speculation.  We speculate about the panther’s roar, but until we meet him face to face and feel his hot breath and experience his malignant claws, we do not know the panther.  Knowledge that has never been turned into action through experience is just speculation.”

The way to have economic security is to be profitably useful.  The way to attain this usefulness is to turn your passion into profit.  Come up with ideas about what you would love to do. Use these ideas to create income and something good from your service.  Once you have the idea… go ahead and do something.  Act.

Gary

Head Start Publishing

Merri and I have been early adapters in the self publishing field for over 45 years.   When we see the glimmerings of a really new, powerful idea, we do our best to get a head start and immediately jump on board.   This is the way to maximize profits and establish one self as a leader in new technology.

What’s Next? – Huge Profits For the Early Adapter – Be a Micro Amazon.com

The goal of “Self Fulfilled – How to Self Publish” is to help readers get into the very beginning of new trends.  The internet has created the broad band era where smaller is bigger.

We are in a perfect position to help because we have self published for 45 years and developed the 7P fundamentals of publishing that always work:  Reach, Engage, Focus, Monetize.

Whatever change takes place in the publishing world,  the 7Ps create opportunity for micro businesses.  The 7Ps identify, reach, engage, focus and solidify buyers at a profit.

These 7Ps are: Passion – Problem – Person – Product – Prospecting Path – Promise – Presentation.

The Ps are really important to any writer, publisher or micro business because they transcend all forms of technology.  They are a constant in an ever changing world.

The 7Ps reflect an immutable logic that worked in paper direct mail before computers.  The 7Ps worked with computerized Cheshire labels.  The 7Ps worked  with jet printing on envelopes and personalized emails. They work for websites and blogs.  They work at Amazon.com.  Our Writer’s Camp and online Self Fulfilled delegates and Event Full subscribers are using the 7Ps successfully right now at Amazon.com and in numerous micro businesses.

The 7Ps will work even better in this next communications revolution.

Learn how to get in early on the next self publishing technology using the 7Ps.

Changes are taking place in the internet world.  They will not shift overnight.  No one is totally sure of the end product… but that change is starting now.

This is a new exciting era for writers.

Smart self publishers can begin earning quickly with no obstacles between their publication and the reading public.  New technology provides self publishers with the following benefits:

* Printing, shipping and disposal (of unsold books) costs eliminated.

* Shelf space unlimited and almost free with no capital costs.

* Increased sales volume. Kindle owners buy more books than print readers and will spend weekly to get new chapters rather than entire books.

Get a great head start on earning income through the the evolving online self publishing process that we reveal in our course.

Technology favors self publishers today.  Portable computers, the internet, wireless access, on demand printing, smart phones and electronic readers all create enormous new, quick earning potential for self publishers.

“Self Fulfilled – How to be a Self Publisher”  teaches our proprietary step-by-step plan for getting your publishing business going… full or part-time… right away.

Here are just a few of the subjects you learn in Self Fulfilled – How to be a Self Publisher:

* How you can start earning quickly  with a very small amount of money even if you do not write full time.

* 11 steps to creating the perfect product, including how to review ideas, test focus, and aim at markets.

* How to gain 1,000% returns on some of your publications.

* How to choose a format—book, newsletter, list, audio or video—that suits you and your audience.

* Frequently committed marketing mistakes and how to avoid them (plus, you’ll get samples of winning marketing pieces to study).

Gain practical publishing ideas and case studies.

For example, you’ll learn about a pilot who published a book on the best airport cafés (suddenly all his flying became tax-deductible!)… how one couple who loved an island wrote a guide on the place and made enough money to buy a home on the beach there… and how another couple made millions with a simple legal idea.

What’s Your Passion: Travel and Tourism?

A client of ours amassed a fortune by starting travel guides for cities. He started with Sarasota, Florida, publishing a simple booklet with attractions, restaurants, etc. and plenty of advertising. Then he moved onto Naples, and on and on,until the whole state of Florida was done.

He didn’t have to put much work into the booklets as he could carry over plenty of generic information from booklet to booklet. But there were plenty of advertisers and plenty of people who wanted to obtain these booklets.

You learn:

* How to set up a computerized fulfillment center even if you’re computer illiterate.

* How to turn advertising dollars into a fortune by creating winning ads, direct mail pieces, and getting thousands of dollars in free publicity.

* How to use your computer and the internet to save hundreds of thousands of dollars in printing and postage.

* How to control inventory, check ad results, and keep overhead down.

* 11 financial hazards to avoid and tricks to stay profitable without a daily accountant.

* My secret pricing strategies that will help you sell more units of your product.

* How to define and target your internet market, and start getting visits

* How to develop your website

* The top 10 internet tips to use and the top 10 traps to avoid

Why This Unique System Is Guaranteed to Put You on the Road to Publishing Success

In “Self Fulfilled – How to be a Self Publisher” Merri and I give away every publishing secret we know to write to sell for a solid income.

Why we’ll add the Self Published Kindle 202 & 303

Our self publishing course is updated regularly.  No course on self publishing can remain valid for long in this era of rapid change.  The course is based on our actual the trial and error experiences that Merri and I have had for the past 45 years… and continue to have.
We are continually adapting our business as the industry evolves.  Our course helps readers evolve with us.

To help you start, I have created a special offer… our course on how to be a self publisher, our course on how to use the internet and a website in your business  and three bonuses for you.

Bonus #1: Get the 50 minute Video Workshop worth $99 “How to Start Your Own Internet Business” presented by our webmaster David Cross.

Bonus #2: Get FREE, the $299 online course “The Tangled Webs We Weave – How to Have an Internet Business”.

Bonus #3: Our Super Thinking Workshop in an MP3 file so you can listen on your computer, burn a disk or listen on you Ipod or in your car. This workshop is a $199 value.

Bonus #4: A special report only available to those who enroll in “Self Fulfilled” entitled  “Three Secrets for Creating Publishing Ideas”.

Save $597 total.

Self Fulfilled Special $299

GUARANTEED. We’ll Accept All the Risk!

We completely guarantee the program.

Order Self Publishing: Your Complete Business Plan for becoming a self publisher and take a full 30 days to put it through its paces. That way you can follow my simple process and start seeing the results for yourself.

If you’re not completely convinced that this information is so powerful that it can help you quickly develop income through writing to sell—all you have to do is let us know and  you’ll receive a complete refund of every penny of your investment.

Fair enough?

Our publishing business has brought us more wealth, satisfaction, fun and friendship than we ever imagined possible. And now we want to share our knowledge and secrets with anyone who has a desire to experience this way of life.

Whether you are an engineer, doctor, housewife, business owner, or retiree… self-publishing offers a way to make a six- or seven-figure income by turning your passion into profit.

Don’t miss this special opportunity.  Order Self Fulfilled How to be a Self Publisher today if you want to cash in on the satisfying, profitable and exciting lifestyle that publishing can bring despite and in fact because of trouble in the world.

Self Fulfilled Special $299

Sincerely,

Gary Scott

Good Fulfilling Friday


Good Friday is a day focused on the importance of giving.    Giving is good.  When we make our lives, business and investing centered around a fun and fulfilling service we increase positivity and happiness.  This joy is the most powerful force in the world!

Good Friday, in Ecuador, is remembered in different, distinct ways by the indigenous.

On Good Friday and several other sacred days during the year, the Indigenous believe that their friends and families who have passed away want to come back to this world and visit them. As a result they visit in huge numbers to Cotacachi cemetery.

Indigenous family at Cotacachi cemetery

Indigenous family at Cotacachi cemetery

Well tended graves

Simple but well-tended crosses

Easter in Cotacachi has its own distinct flavor; for example it is totally natural for the Indigenous to consider taking food and drink to offer to their deceased and while I was there I noticed a very light energy about the cemetary.

Indigenous girls at the cemetery
Indigenous girls at the cemetery

Serious prayers were taking place, but there is a contrast between the sorrow and grief of the elders and the vigour and light-heartedness of the younger generations.

Indigenous man sits silently
Indigenous man reflects silently

Amongst the community there are certain elders who are recognized as being especially devout. They attend and pray for the recently deceased on behalf of family members. The elders, often lacking materially, do this in return for alms.

Indigenous elder prays

Indigenous elder prays

Ice cream also seem to be a traditional food on this day.  The ice-cream vendor in the cemetery was doing a roaring trade at 25 cents for an ice-lolly. Ice lollies consumed, food offered and prayers recited .. it’s time to head for Cotacachi’s main square to see the impressive processions.

Indigenous ladies leave cemetery

Indigenous ladies leave cemetery

Indigenous Culture - young vitality

Indigenous Culture – young vitality

Yet even on the holiest of holy days… business goes on… even at the cemeteries.

Ice cream seller in cemetery

Ice cream seller in cemetery

Masapan is one business that grew from cemetery celebrations and creates a way to have micro business that provides charitable benefits as well as income.

There are more explanations about why it is good to remain active are below.

A special art form called Masapan, made from bread dough is made into almost anything and is great as an export.

Masapan evolved from Ecuador cemetery celebrations which include giving to the spirits of their departed loved ones.   The celebrants gave food, leaving it at the graves… usually bread and fruit.   Since most of these celebratory dates are in the rainy seasons the bread was quickly dissolved and left a mess. Someone created the idea of making the bread so hard it was impervious to the wet.  Next someone thought of shaping them like fruit and painting them.

Viola!  An art form began.

Here is it is as tiny fruits…made into pins, fridge magnets and such.

ecuador-earning

Over the years the rat evolved into many different forms but it is good to remember Masapan’s root… a focus on giving.

Looking at the giving of a business is important because the great pleasure of service we can gain makes business better for everyone.  Malcolm Gladwell’s book, “Outliers-The Story of Success”, explains numerous studies have shown that those who have a fulfilling business are happier and healthier as well as better off financially.

The three keys for a business to be satisfying are:

#1: Autonomy.

#2: Complexity

#3: A direct relationship between effort and reward.

This is why earning in Ecuador or globally offers such satisfaction.  This method of earning fits all three requirements.

A reader recently sent this note:  Gary, I learned that you have helped many communities in Ecuador. I admire that. At the end of the day, helping people other than oneself is when one really makes a difference. People feel good helping others and seeing communities thrive.

There is a lot of poverty in Ecuador.  I am a firm believer that education can alleviate it.

As you know, there is an impoverished province in Ecuador, Esmeraldas, from which many of the soccer national teams players come. A handful of them have even made it to intl’ teams. Unfortunately not everybody can be a soccer star so to get out of poverty everybody else needs to get an education. The problem is that many kids barely finish high school and have no way to go to college. Attending college in the big cities of Quito or Guayaquil is usually an elusive dream.

Moved by the situation, an old Italian priest put together a program sponsored by some of his Italian friends to bring youngsters from Esmeraldas to Quito and help them get through college and obtain a degree and a job. A beautiful initiative that has produced a few graduates that now are helping their families. The challenge is that his old friends are passing away and the new generations are not carrying on the funding. I have personally being helping with my own money to keep the project running but there is just so much a person alone can do. I think there are many other people that would be delighted to help such an effective program grow to new levels. We are teaching these kids how to fish, not giving them the fish in a Venezuelan wellfare fashion.

What would be a good way to give some of your 30000 readers the opportunity to help this project and feel good about it? You are a wise man that went through a lot of trials and tribulations and hence will sympathize with this cause. Please advise me on how to grow this initiative and do more good for the Ecuadorean youth.

Here is my reply: Jean, congratulations on your good work.

Because there are so many charitable causes looking for funding, we do not ask our readers for donations even for our projects.  We are asked regularly to give and how would it be possible to say no to one and yes to another?

Instead we donate all the profit… plus quite a bit more of our other Ecuador profits from our flower sales and hotel instead.  Our total donations are nearing a million dollars now… more than we have earned in Ecuador so this makes us feel really good.

I recommend that you create a micro export business… some product from Ecuador that you can sell and donate the proceeds.  Regards, Gary

Helping the poor is a global social economic concern we all need to be involved with.   There is a growing trend of people wanting to see the whole picture and do more than just earn.

For example, when people previously went for a cup of coffee they wanted the best coffee, served in the least expensive, fastest, most convenient way.  Now more and more buyers want more.  They want to know where the coffee was grown, what type of coffee… what did the growing process do to the environment…  how were the processors and growers of the coffee treated?

They ask what will the coffee do to the body and environment? Was the cup organic? Is the cup recycled and so forth?

Starbucks is a good example.  They launched an aggressive plan to ensure that its coffee came from environmentally friendly farms paying workers a fair wage.

They were setting up strict rules on everything from forestation to pesticides to labor practices.

Starbucks made this move because they have suffered bad publicity from coffee drinkers who wanted more than just a cup of coffee.

People today:

*See a bigger picture.
*Consume and invest in values not just material value.
*See connections.
*Are highly sensitive to being mislead.
*Are willing to pay a bit more for a whole product.
*Want authenticity.
*Are getting organized.

So if you have discovered that due to, what seems like misfortune, you have to work more… be happy. You may live longer, healthier and happier.

Back to Masapan.

Here is how to turn bread into dough…  the cash kind by making fund raising products out of dough.

Roberto Ribadeneira’s export service helps delegates visit the village of Calderon and look at masapan.   Masapan is made from bread dough that is glazed and baked rock hard. Delegates see all types of goods being made.  Masapan offers excellent Ecuador exports opportunity because it can be shaped into almost any form ranging from beautiful flowers to toys, nativity sets and much, much more.

Masapan products are excellent Ecuador exports because they are light and compact for low cost shipping, the product is inexpensive but with a little value added can be marked up enormously.

As Ecuador exports they have be made into pins, refrigerator magnets, necklaces, earrings and ornaments.   Exports delegates get to see how these Ecuador exports can be merchandised in many ways.

One delegate who owned a  number of Hampton Inns in the USA had masapan flowers and llamas created to use at his hotel as a turn down treat.  So many guests asked for them that he created a small leaflet and began selling them.  Later he began wholesaling to other hoteliers.

The last time I talked to this exporter he was having pins made in the form of his University Alma Mater mascot to sell at college ball games and such.

Here…

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are…

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a…

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few…

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samples of masapan.

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There is also a masapan factory near Cotacachi (Quiroga) and near the colonial Inn Land of the Sun.

Gary

Ecuador Export Business Idea

Live anywhere – Earn in Ecuador with an export business in Ecuador.

Create an Ecuador exports business with Roberto Ribadeneira’s Ecuador Export Tour.   Merri and I have worked with Roberto for nearly twenty years exporting many products.

You can arrange an individual tour designed especially for you.

ecuador exports

Lake Quicocha near Cotacachi.

Visiting another country is great, but it is even better if you can do business while traveling!

Come to Ecuador and learn all about exports to the USA, Canada and Europe while visiting amazing places and earning money.

* You may be able to deduct part or all of this trip from your taxes.

* You can buy products to sell back home.

* You can learn about exporting from Ecuador to anywhere.

* You can even bring ideas to manufacture in Ecuador with great quality and competitive prices.

Coming to Ecuador not only won’t cost money but will make money for you.

Here is a note from Roberto Ribadeneira:

Let me share all the knowledge, contacts and products I have accumulated over decades of exporting.  Make your trip to Ecuador the beginning of a great business opportunity.

ecuador exports

Otavalo Market.  Learn about Tagua…a vegetable, sustainable, renewable ivory.

Let’s see some numbers.

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Tagua bracelet. Cost in Ecuador is $2.50 it is sold in the USA for at least $12.

Tagua necklace. Cost in Ecuador is $3, it is sold in the USA for at least $15.

Metal Bracelet. Cost in Ecuador is $1, it is sold in the USA for at least $10.

Shawl. Cost in Ecuador is $2.50, it is sold in the USA for at least $11.

Scarf.  Cost in Ecuador is $3.00 it is sold in the USA for at least $12.00.

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Alpaca Scarves.

These are just few examples of products that are inexpensive and have huge margins.  But there is also another plus; you can request specific improvements on those products.

But let’s go over some numbers and specific ideas.

1-    You want to sell a tagua bracelet to a University in Colorado, but everyone can do that, what they can’t do is sell a tagua bracelet with the University’s color. We can dye the tagua bracelet to match the University’s color, same goes for any other tagua designs and even for shawls and other textiles. If you make just $9 on each tagua bracelet and you sell 100 units, you are making $900 on 1 order.  And this is just 1 product, and this is just 1 University.  You can apply this idea to any education center in the USA.

2-    You see designs of leather products that you think could be made better, or different.  There is a niche market where you can sell them.  The manufacturers in Ecuador can make any design, on any color with major improvements over the original idea.  You can even request to put a logo and special details on the products.  We have a major company in the USA that wants our leather iPhone 6 cases, but they want them with their branding and specifications that other cases don’t have.  So we are making the leather cases exactly as they want them.  Margins on leather products are around 60% retail and 20% wholesale. Orders for medium size companies come in the hundreds, so you can make good money selling leather. Customers and myself have made thousands of dollars selling these products.

3-    Selling Roses to final customers is another amazing way of making money.  What I am doing right now is reaching to people that want to raise funds for specific projects and teaching them how to use roses for that.  On one specific program we are donating $20 to $40 on each box sold to a Water Project in Ecuador.  The response has been unbelievable, people enjoy the beauty of Roses from Ecuador but also contribute to a good cause at the same time.  Since there is no limit on quantity of flowers that you can sell, there is no limit on the number of people that you can involve in this idea.

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Rose Farm Processing Facility.

4-    Selling wholesale. This is the main goal for the July course that I want you to take here in Ecuador.  If you find a store, a chain, a website or any other vendor that sells unique and cool products, you are in for a great business opportunity. Their orders are in the hundreds and even thousands of units.  Margins are lower, but since you are selling more, that compensates.  The nice thing about this part of the business is that these big companies are looking for different products, so if they buy 1 from you, there is a big chance that they will buy many, many others.  Remember that our manufacturers can make the products with the customer’s specifications, so there is no restriction on design that your buyer may want.

As you can see there are many ways in which you can make money while visiting Ecuador.  That is why I have designed an Ecuador Export Course that can be especially customized for you.

We work 3 full days together learning and searching for products that you could buy.  You and I will go over ideas, product designs, web design, shopping carts, SEO and other details on how to get as many customers as you can.

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Leather Duffel Bags.

The course includes taking you to the manufacturers, sellers and export companies so you will have all the contact information that you need to move forward on your business.  There are dozens of manufacturers that make every type of product that you can imagine.  Most of them already work with big importers all over the world and have proved that the quality of their products is amazing.

If you would like to sell retail, I will also show you how to design a website, create products, a shopping cart, how to set up the system to charge your customers online and the basics of promoting it.

There are plenty of places to visit and ideas to explore. Among the places that you will visit while on the Export Tour are:
–    Quito
–    Otavalo
–    Peguche
–    Ibarra
–    Cotacachi
–    San Antonio de Pichincha

This is not just another course, this is THE COURSE. I don’t just teach you how to Import Products to the USA, I also work on the import-export business myself, which means that I have the experience and knowledge to give you ideas and solutions.

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Jewelry is one of many Ecuador exports.

Ecuador has evolved as an export center and I have expanded my export service to create custom export tours that fit your schedule and particular desires.

I arrange for you to meet the artists, designers, creators, craftsmen, wholesalers of products that suit your business ideals and arrange visits of workshops, homes and markets.

You can learn about exports as diverse as jewelry or wood products.

Ecuador has great art exports.

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There are wonderful handmade crafts like the chess set below.

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This tour goes to the high Andes.

You’ll see products from Zuleta where they create handmade “green” cotton-one-of-a-kind tableware, shirts, specialty items.

Here you see them in hand sewn embroidery from the village of Zuleta. In this Andean community near us hand embroidery has been an important form of artistic expression and adornment for centuries. Andean cultures have long boasted superior textiles, far surpassing those of Europe. The weavers of the Andes could produce material with as many as five hundred two-ply woolen wefts per inch compared to one hundred in Europe.

The women of Zuleta are renowned for unique hand embroidered designs and colors. Their styles are so unique they have become a form of cultural identification.

Flowers are popular in Otavalan sweaters as well.  Plus the ladies of Intag make flowers from plant fiber.

My main exports are flowers, but we send many products and have the Ecuadorshop Logistics Service to help you become an exporter.

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Roberto speaking at a seminar about how he can shop, ship and charge for Ecuador export businesses.

Here is a Ecuador export business I arranged for a tour delegate who sold to the Texas Rangers.

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Texas Ranger badge.

Almost everyone has heard of the Texas Rangers.  They are the oldest law enforcement body on the North American Continent and have helped bring in many famous criminals like John Wesley Hardin and Bonnie and Clyde.

We were really tickled to hear from a delegate of the Ecuador Export tours that he had sold hundreds of embossed Ecuador leather backpacks to the Texas Rangers and that was just the first order.

Here are some of the services we offer to help you export from Ecuador to the USA.

#1:    A US company.

#2:   A continuous bond, which has to be purchased each year to be eligible to register to import with the US Customs.

#3:   A broker who has a power of attorney authorizing them to handle your imports.

#4:   A US bank account to pay US customs department when taxes and duties are due.

Plus if you are selling direct to customers and accepting credit cards, you need:

#1:   A verifiable credit history and Social Security number.

#2:  A gateway company to process the charges.

#3:   A credit card merchant account.

#4: A certified, secure  shopping cart.

#5:  An annual PCI compliance review and certification

#6:  An EIN number provided by the IRS

#7:  A sales number issued by the state of Florida.

#8: A Physical US address (PO box not allowed).

#9:  Monthly accounting system.

#10: IRS annual sales report.

We can help you organize all these steps.

Our Ecuadorshop Logistics Service provides all these services for exporters.

There are two more very special benefits.

First, our logistics service can pay manufactures in Ecuador.

Second, our service can monitor production and quality and assure timely delivery.

Many people try to export and find really great products that they sell really well.   However once they return to the US they can’t restock unless they return to Ecuador.  If they do reorder but are not present for delivery, they are at the mercy of the manufacturer… which creates a huge quality control problem.  These importers get whatever suppliers here send them.

Many don’t even try to reorder.  They don’t know how.  They don’t want to wire  money without seeing the product and being are of delivery.

Many others just have no idea or find that the income is not worth the time, effort and cost of all the red tape.

The good news is that I do not get in-between the importer and buyer either.  I set a price for my service and the importer knows his product cost.

Our service is provided for a set fee so the importer knows all costs and can price his product accordingly.

This is a great service that provides every detail for importing products into the USA.   We have used this logistics service ourselves for years.  One big benefit is that the service can send each product direct to the buyer in the USA.  We sell Ecuador roses… charge the customer and deliver the order to our logistics service.   Everything else is handled by the service.   The  tracking notice and the roses are delivered direct to the buyer.  The logistics service then charges our credit card and pays the supplier… so no money has to be wired to Ecuador.

The Ecuadorshop Logistics service makes large and medium scale Ecuador exporting possible.   Exporting can be fun and fulfilling as well as profitable.  Improved technology continually makes having your own global micro business easier if you have support.

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Wood Carver in San Antonio de Ibarra.

Come to Ecuador and make extra income while learning about global trade and expanding your possibilities.

Ecuador has amazing products that are unique and very affordable.  This makes them more attractive and more lucrative.  Additional to this you don’t need to make thousands of items to get a good deal. In Ecuador most products are hand made, which means that specifications and quantities match what the customer needs.

Have a great experience in Ecuador while doing business. You will learn about Ecuador, the products and the people.

In addition to help the success of your export business Gary & Merri Scott are giving each course attendee their online course “Tangled Web How to Have an Internet Business”.   This is a $299 online course that I asked the Scotts to provide to you free.

This course focuses on how to use modern technology to start and run or improve a global micro businesses… that can create valuable extra income with minimal investments of time and capital.

You learn how to start small and build with stepping stones and a harmonious focus… how to build a successful at home business via the internet using several profit generating phrases at Google.

You gain the secrets of how you can use words to create your own global income… whether you travel or stay at home.

The course shares how to create a website and utilizes the first four of “Seven Ps”  (Person, Problem and Promise, Product) to zero in on key word phrases.  Then you learn how to use the Fifth P Promise to develop new customers. The Sixth P is the Prospecting Path and Seventh P is the Presentation to create income.

You can gain all the facts on how to use the seven Ps to create internet sales.  The internet can support your Ecuador Export business.

ecuador exports

New Super Highway Quito Airport to Cotacachi.

Food, accommodations and travel to and from Quito Ecuador are not included.  Travel on the tour is included.

This is a three day customized tour.  We fine tune the schedule depending on what you would like to see more as you may have more interest in certain products.  We make adjustments based on your business needs so the tour will be most beneficial to you.

Here is a typical three day tour

Day One:  Leave from Quito to Cotacachi at 09:00.  Start at 12:00 in Cotacachi, visit to leather town to see what products you can make in leather. We visit suppliers and manufacturers for ideas on what you can buy or have made.

Lunch break 14:00 – 15:00.

16:00 – Go to San Antonio de Ibarra to see wood products, meet manufacturers and review designs that can be exported from Ecuador.  Visit ends at 18:00.

Day Two:  Start at 10:00 after breakfast at the hotel.  Visit Otavalo for Tagua and textiles.  Visit see manufacturers, review products on what can be purchased or made. See how to develop personal labels. Find volume discounts etc.   Meet with supplier for new products to make, high-end tagua items, new products of bamboo, baby blankets, baby products, Christmas products. Products made of Alpaca, specific designs.

Lunch break 13:00

14:00 – Talk to cargo agency, see packing, costs, how to ship, taxes, etc.  15:00 – Visit manufacturer for sweaters, shawls, and other textiles, he can make specific designs for you.  17:00: Create a website, a shopping cart, manage logistic, storage and shipping cost with FedEx or Mail Service.

Day Three.  Starts at 10:00 after breakfast at the hotel.

Visit Otavalo Market, fair day. See all the products available, purchase items for business, talk to all the vendors, see different products, low cost textiles, low cost jewelry, ponchos, sweaters, shawls, products for under $2 a piece.

12:00 – Tagua, jewelry, what designs you can make, cost of personalized items. Jewelry store for Tagua products, they create designs for inexpensive tagua jewelry.

13:00 – 14:00 lunch.  15:00, see rugs, alpaca products, honey products, flowers, etc.  End at 18:00

Individual Export tour for one $799

Individual Export Tour couple $999

“Tangled Web How to Have an Internet Business” will be emailed to you when you enroll.

Persistence VI – Belief in Strategy


One of the most important elements of persistence is belief in a strategy.   This is why one rule of investing we stress is invest in what you like and know.

We do not have to give up good performance by sticking to our beliefs.

For example, socially responsible investing makes sense.   This is good long term thinking.  Numerous actively managed funds have good intentions and have performed well.

There are numerous ways that fund managers screen the investments they will invest in.  Some filter out companies involved in alcohol, tobacco, gaming and weapons.  Other funds invest in self sustaining products. Here are three examples.

ethical ETF

See the current Portfolio 21 charts at www.finance.yahoo.com here

Portfolio 21 (symbol PORTX) looks for opportunities to invest in companies that develop ecologically safe products using renewable energy except nuclear power or efficient manufacturing processes and does not invest in companies normally filtered out from socially responsible funds. This fund has an expense ration of 1.42%.

The Appleseed Fund (symbol APPLX) has an even lower expense ratio of 1.24%

ethical ETF
See the current Appleseed chart at www.finance.yahoo.com here

Appleseed does not invest in companies that generate revenue from alcohol, gambling, pornography, tobacco or weapons. They look for good value investments in good companies that have had a short term problem.   The fund managers also look for good price to earnings ratios.   Regretfully they have a big holding in Coca-Cola, which I think is one of the worst chemical companies in the world.   However many readers would not agree.  To each his or her own.

The Parnassus Equity Income (symbol PRBLX) has a really low expense ratio of 0.87%.

The manager of this fund looks indepth at companies it invests in to weed out heavy polluters and business involved in alcohol, gaming, tobacco and weapons.  Over five years this fund’s performance is in the top 1% of funds that invests in large cap shares.

ethical ETF

See the current Parnassus chart at www.finance.yahoo.com here.

The fund has a concentrated portfolio (less than 50 stocks) and a majority of the  holdings pay dividends.

A key to persistence is belief.   Let’s all examine our own beliefs carefully.  Decide what is really important and become persistent in standing up for these beliefs in the way we do business, invest and live.

See Persistence VII

Gary

Omega-3 Inhibits the Spread of Cancer


Omega-3 fatty acids inhibit the growth and spread of prostate cancer.

A website for the Journal of Pharmacology  (1) reports that according to a study published in the Journal of Pharmacology and Experimental Therapeutics, researchers at Washington State University found a mechanism by which omega-3 fatty acids inhibit the growth and spread of prostate cancer cells. These findings support the theory that omega-3s help reduce the risk of prostate cancer, and that they are effective in inhibiting the proliferation of cancer cells.

Gary

Benefits of Omega 3

Omega 3 is important for longevity and good natural health.

Research has shown that high Omega-3 Index values are related to slow rates of “cellular aging.”

“No nutrient is more important for decreasing cardiovascular death – and more lacking – than omega-3.”  Bernadine Healy, MD  Cardiologist and Past President of American Heart Association  – Past Director of the NIH – Past Director of the Red Cross.

She concludes:   “Before long, your personal Omega-3 Index just could be the new cholesterol – the number you want to brag about.  Omega-3 content in red blood cells is a strong predictor cardiovascular disease.”

Low levels of Omega-3 fatty acids are associated with higher rates of:

* Heart Disease, including:

* Sudden Cardiac Death (Primary Cardiac Arrest)

* Mortality from Congestive Heart Failure

* Mortality after Heart Attack

* 2nd Heart Attack

* 1st Heart Attack in those with High Triglycerides/Low HDL 2nd Stroke Cellular Aging

*  Depression (Major Depressive Disorder) Dementia/Alzheimer’s Disease, Inflammation ,Chronic Joint Swelling, Headaches, Prostate cancer.

In the USA and European Union, the average Omega-3 Index is 4-5%.

In Japan, the average diet is high in Omega-3 and the average Omega-3 Index is 9.5%.

In the USA, sudden cardiac death rates are about 20 times HIGHER than they are in Japan.

The importance of measuring your Omega-3 Index:

Omega Chart

In one study, the Omega-3 index was measured in 704 individuals, some were taking fish oil supplementation and some were not. Only 1% of the group not taking fish oil had an Omega-3 Index  of 8%.

However, in the group that was taking fish oil, only 17% had an Omega-3 Index above 8%.

83% of people in the study taking fish oil were NOT getting to goal!!!

Common fish oils don’t always supplement enough Omega 3.

Overall health can improve with a healthy omega index.  Heart disease is one area where omega-3s are known to benefit.  But there is also the fact that a healthy omega score slows down telomere reduction and cellular aging, limits cognitive decline and helps hold off Alzheimer’s and reduces overall inflammation levels in the body (thereby improving joint pain).

Inflammation is considered a major factor in all the diseases of aging and Omega 3 is involved in the process of reducing CRP (C-Reactive Protein) a major inflammation marker.  Omega 3 can help increase levels of HDL (good cholesterol) and lower readings of both triglycerides and PSA scores.

I use Athlete’s Best Omega 3 Supplement because it includes vitamin D, the anti oxidant astaxanthin  and a proprietary anti oxidant blend along with the krill oil and calamarine oil.

You can go on the Athlete’s Best website and pick up more information on the product.  A link is below.

This identical formula is being sold in gyms all over the country at much higher prices.

Dr. Jim has provided Gary Scott readers a $5 code which puts this price below even the normal price at the athletesbest website.

Plus this price includes free shipping in the USA.

This brings the per bottle cost down to below $1.00 a day at $44.95 for this premium product with premium ingredients.  Each bottle offers a 45 day supply of product.

A 90 day supply is $79.90 with free shipping which brings the cost per day even lower.  Gary Scott readers receive a 10% discount using the code GARYSCOTT10.

Since it takes roughly 90 days for red blood cells to go through a complete cycle users really need to take the product (or any supplement for that matter) for at least 90 days to get the maximum benefit.

A 90 day supply is less than $.95 a day for a product that  provides a superior and proprietary omega 3 formula, the Astaxanthin, the vitamin D and the anti oxidant blend.

Order three month supply for 10% off the $79.90 price here

omega 3

 

Report at Journal of Pharacology that Omega-3 fatty acids inhibit the growth and spread of prostate cancer