Tag Archive | "Government debt"

Watch The Corpses Float By


Here are two steps that can bring you extra income, fulfillment and freedom.   Have freedom, fulfillment and extra income with a sustainable small business in an unsustainable economy.

There is an Indian proverb that goes, ‘Sit on the bank of a river and wait: your enemy’s corpses will soon float by.’”

water-investments

Here I am sitting by our creek… not exactly waiting… but not being pushed.

Do not be pushed!   This proverb explains the ultimate key to freedom… the ability to hold on.  Problems will pass IF you can keep your finances in order.

In our era of excessive debt, such staying power is increasingly rare.  All two often, banks, credit card companies, health care  etc. restrict our freedom and control our agenda.  Debt is so commonplace it is taken for granted.   The Western world floats in a sea of debt.  Indebtedness s everywhere!

Private debt in America is at an all time high as evidenced in the WSJ.com article “U.S. Households Shoulder Record $13.15 Trillion Debt to End 2017” (1).

Outstanding household debt rose by $193 billion to $13.15 trillion in the final three months of 2017, completing the fifth straight year overall balances increased, the Federal Reserve Bank of New York said Tuesday.

Total debt was the most on record, though the figure wasn’t adjusted for inflation or population growth. As a share of U.S. economic output, household debt was about 67% last quarter, barely edging up from the third quarter and well below a high of about 87% in early 2009.

US Federal debt is also at an all time high. The public debt is so high that the U.S. National Security Director Dan Coats this week called the national debt ‘a dire threat’.

He said:  The failure to address our long-term fiscal situation has increased the national debt to over $20 trillion and growing.  This situation is unsustainable as I think we all know, and represents a dire threat to our economic and national security.” (2)

The national debt ranks among some of the most serious threats to security and at nearly 105 percent of GDP, it’s near the highest level since World War II.  This will bite the finances of the USA.

Yet spending and deficits grow.

History provides innumerable lessons about the dangers of public debt.  In 1568, the Dutch, were a small dominion in the far corner of the Kingdom of Spain revolted.  It took this tiny nation only 80 years to attain freedom but also become the most strongest power on the sea.   Their success was credit.  The Dutch gained the trust of the European credit system while the King of Spain was carelessly squandering money and not servicing or repaying debt.  The Dutch gained this trust by being stickers for paying interest and repaying debt in full, on time and protecting private property rights.

The US is not alone in piling up debt.  The entire global economy is increasingly leveraged with trillions of dollars in debt.  As central banks around the world vie for more money to borrow, their monetary policy gradually drains market liquidity making it harder for businesses to compete for loans.

Expect inflation.  Money, in most places, will lose purchasing power.   Countries with the greatest debt (debt to GNP of the country) will see the highest erosion.

The erosion of purchasing power places businesses (and individuals) who are in debt (especially at variable interest rates) at a disadvantage.  Rising interest rates will bite into budgets and rising costs leave less money to service debt.

The Wall Street Journal article “Inflation Starts to Make a Comeback” (3) warns us all about it and says:  U.S. consumer prices rose 0.5% in January, up 2.1% from a year earlier.  Prices rose more than expected for U.S. consumers last month, offering fresh evidence that a long run of exceptionally low inflation is ending and teeing up the expected first interest-rate increase of the year in March.  Fears that rising inflation would prompt the Federal Reserve to pick up the pace of rate increases in 2018 stoked the stock market’s turmoil in recent weeks.

Get rid of as much debt now and aim for financial sustainability (earn as much or more than you spend).   This will put you in an enviable position in the years ahead.

A reader asked about sustainability when he wrote:

“Gary, I keep asking myself, how do Gary/Merri Scott continuously continue to produce uniquely insightful information for readers?  How could I model just a small slice of Gary’s success online? I truly do not understand how you have been able to continuously grow for decades while evolving from print to internet/online, covering totally new locations, new businesses and completely new subject matter (not only investing, but health, language, Real Estate Retreats, Import/Export, Publishing, Country- UK, US, Ecuador, etc).

“Other than sheer determination and follow-through, which are obvious requirements, what is your long standing secret to success in ‘lifestyle marketing’?

My reply explains the two steps and can help create staying power.

I wrote: “My belief is that if you have a decent idea and can manage to stick with it long enough, your experience will make you appear smarter than perhaps you are”.

Step #1: Do what you love!   Our courses focus on the Business Evolutionary Cycle that starts with something what you love and really want to do.

If you are not having fun or gaining some great fulfillment or satisfaction, it’s hard to have staying power.

For example, I get to write almost every day. This has brought me innumerable rewards, one of them financial.  This process has brought me freedom I never imagined I could enjoy.  Summers, I can enjoy sitting in my office looking at our glorious woods in the middle of the Blue Ridge on a perfect blue sky day.  Winters, I enjoy the dawn wakening as I sit under an oak and write.  On the road, I always find a comfy spot somewhere, for my morning writing session.

There is nowhere else I would rather be.  There is no other way that I would rather start the day.

Yet despite the multitude of attractive distractions, family to be with, garden to tend, logs to cut with the chain saw, brush to clear, wood to chip, horses and chickens and trout to feed, hounds to play with, grove to tend… I am happiest when I get to write.

Writing for me is a privilege.  The fact I get paid for it is a nice bonus.

The writer above suggests that “sheer determination and follow-through” are a part of this.  I am not so sure.  I need “sheer determination and follow-through” to clean up my desk, balance my check book and to do my taxes once a year.

Yet to write rarely takes “sheer determination and follow-through.”  I awaken in the morning, ideally well before dawn, make a cup of coffee and write.

So I repeat rule #1 of success, do something you love.

Step #2:  For real staying power, there is another really important rule… live within your means!

A business must be able to start small, before it can grow large.  Most businesses start with a learning curve.  During the beginning and in the learning times it is essential that businesses are small.  Once lessons have been learned the business can grow.

One cannot focus on and enjoy the things we love if we are hounded by payments and cannot afford the essential requirements of our life and of our business.

Living within your means is simple.  Just do not spend what you do not have!  Avoid debt for consumption. There are times when debt to invest makes sense, but never borrow to spend!

Invest your extra money in your business rather than fashion and consumer goods!

The late Dr. Thomas Stanley in his book the “Millionaire Mind” lists the twenty most important factors that 733 millionaires (whom he interviewed) which made them rich.

None of the factors have anything to do with having a high IQ, a good education or a sharp stock broker.  Some of them may surprise you but learning these factors and how to attain them are perhaps more important than any other knowledge you can gain about investing.  The author discovered that most of the wealthiest households were not located in the most upscale neighborhoods.  This discovery led to additional studies and finally to his book.  These wealthy people don’t dine out much, are likely to drive four-year-old Buicks, and own very few Armani suits.

Conversely many households in the posh areas have little real wealth.

A Golden Rule of Good Business to live within your means so you have time to sit by the river and let the corpses of your problems pass by.

There is another proverb that is fitting for us to consider:

“Time is money, and it is difficult for one to use money to get time.”

All we really have is time.  When we are free of debt, we can control our time.

When we are in debt, our time is ruled by those who we are indebted to.

The vast majority of Americans are in debt, according to a report from Pew Charitable Trusts.  Overall, the median debt load among Americans is $67,900.

The problem is getting worse.  Young Americans, millennials are much more likely to have student loan debt (41% have it), car loans (41%) or credit card debt (39%). than they are to have a mortgage.  Among all other generations, mortgages are the leading component of consumer debt.

Credit card debt is still incredibly common among American consumers — with 39% of Americans reporting unpaid credit card balances.  While those balances are much lower than those for student loans, the high interest rates and revolving nature of credit card debt can make it a serious threat to consumers’ financial health.

Having debt isn’t inherently a problem if the borrowed money is used wisely, but those living beyond their means or not working toward bringing their balances to zero are not free.

Our society teaches us from a very early age to live by borrowing.  This education is created by others for their agendas.  Our debt makes others rich and robs us of  goals, desires, and dreams.

80% of Americans are in debt.  This gives us the opportunity to be rare, a part of the 20% who control their time, do what they love and have ability to stay on their paths to fulfillment and freedom.

little-horse-creek

Earn doing what you love.  Avoid or reduce debt to spend.  Control your time and sit by the river.  Watch the corpses.  Be free to keep using the Business Evolutionary Cycle to create extra income.

Gary

One Week’s Effort – Ten Year’s Pay

Over 30 years ago Merri and I locked ourselves in our basement every day, for ten days.  We wrote a report about financial secrets.

gary scott

The report sold well and generated an immediate and excellent income.  Now it’s long out of date.  I just have this one copy left, stored in my archives.

However those ten days of effort, three decades ago, started a chain of events that creates residual income for Merri and me to this very day.  Even better the ten days effort should continue to create income for us for many years more.

Learn how to use brief efforts that create extra income now and continue to pay you for years… even though you don’t do a thing after the first effort.   These lessons even show how to generate cash flow that lasts so long, your heirs will enjoy the income too.

Learn how to do a little work for a lot of income, that comes in, again and again.   See nine secrets below on how a small independent at-home-business can generate long tail income (money that comes in again and again) from one small effort.

Learn how to easily gain the most important things in life;  freedom, friendship, financial security, prestige, tax savings, legal protection, fun, adventure, self sufficiency, fulfillment and more satisfaction… with very small amounts of money and time.

Here are five of nine secrets, for creating long tail wealth:

Secret #1: The business must enjoy the multiple effect.  A product once created must produce profits again and again, almost on a never-ending basis.  Each venture in the business needs to make a huge return to start and then continue generating earnings year in and year out.

Secret #2: The business needs to be more than its owner.  It must produce income even when the owner doesn’t put in day-to-day effort.  You may already be wealthy or earning a high income.  You may not even need another business or extra income, but some day you might.  One surgeon explained it this way. “I am making a fortune because peoples’ lives are in my hands.  Once my hands are no longer steady, my income stops.  My entire financial well-being will then be in someone else’s hands!”

Secret #3: The money making system must have a purpose beyond money and be enjoyable and fun!  Sad but true, most of us make money for the sake of making money.  Many spend their lives working, just to have a few precious hours having fun.  The most important fact I learned about making and keeping wealth was that those who were richest absolutely loved what they were doing and felt they were doing something that was good!  Money was of secondary importance to their effort.  And as things are, this means they actually ended up making more!

Secret #4: The money making system must be flexible.  No matter what the economy brings, your ability to make money should work regardless of inflation, recession or even depression.  The business must have resilience-so if times turn tough, they can evolve and turn change into even more income.

Secret #5: The business must be able to start small, but grow large.  I learned that business ideas work best with small starts to begin and can be operated on either a full or part time basis.  Most businesses start with a learning curve.  During that time, it is essential they are small.  Once the lessons have been learned and the system is operating properly, then it can grow larger with higher income.

The way to make money in this way is by publishing to sell!   Almost anyone can make more than respectable income when they publish to sell.  Publishing to sell fits all five secrets above, even if you never write a thing.  We’ll look at the other four secrets in a moment.

Publishing is not writing!  Publishing is the business that makes money from writing.  You may have read or heard about the great wealth good writers can make.  Guess what?  Writers make that money from a royalty paid to them by a publisher.  The royalty is normally 15% of the book’s wholesale sales, after returns.  Guess who makes the other 85%?  Guess whose decisions make or break the fortunes of the writer?  The publisher!

Publishing to sell is a business where you get the 85% from publishing,  PLUS MORE… and have extra earnings that just keep keep rolling in, year after year.

Publishing is the business of producing, selling and delivering words.

“Publishing-to-Sell” is the business of producing, selling and delivering books that provide important valuable information, but also leads to the sale of other publications, services or products.

For example, Merri and I used publishing to sell in Ecuador.  We published a report about living in Ecuador.  This was an informative report that helped thousands of readers move there.  The report also outlined the benefits of our Ecuador real estate tours and Super Thinking Spanish courses.  That particular effort starting in 1995 created a million dollar business that still generates earnings to this day even though we have not been in Ecuador for many years.

Here are other examples.  One publisher who used the course, Joe Culbertson, D.C.  is a chiropractor.  Eating junk food creates numerous problems including difficulties in the spine so Dr. Joe created a simple use-at-home spinal device to help the spine.  He published a series of articles about the spine.  Those articles helped sell a three part book he published  Secrets of the Spine: The True Mind/Body Connection.  The book helped him sell his spinal device.

spine

From Dr. Joe’s website.

Another smart self publisher, Jamie Alexander, who used our self publishing course, has a cooking school.

Jamie started her professional baking career at age 20 when she apprenticed under the best-selling cookbook author, Nathalie Dupree.  When she was living in Paris, she studied at LaVarenne, the Cordon Bleu Cooking School and with the pastry chef of Maxim’s.  Her health problems created by high blood sugar levels caused her to have a passion about baking in a healthy way.  She began perfecting chocolate cake recipes that added nutritious ingredients and eliminated unhealthy ones such as sugar.

You have my word for it, these cakes are delicious and there is not an ounce of sugar or white flour! What a treat!

jamie alexander

Jamie Alexander’s recipes are for sale at Amazon.com and include “Carrot Cake Quinoa Brownies”, “Reid’s Gluten-Free Chocolate Quinoa Brownies”, “Pumpkin Cranberry Quinoa Cake” and “New Orleans Espresso-Infused Chocolate Quinoa Cake”.  See all five Jamie Alexander quinoa stevia recipes below. 

The sale of these recipes are really valuable and worthwhile, but they also help sell Jamie’s New Orleans cooking classes!

You can write what you publish to sell or publish what others write to sell.   Some writers, like myself write and also publish.  That’s because 85% of the income from printed publications normally goes to the publisher.

You can earn as a writer.  You can earn as a publisher.  You can publish, or write, or both!  You can also generate long term income from what your publication sells.

Publishing to sell can create outrageously high long term income for little work and you can do it from your home, in an RV or even while cruising or living on a boat or traveling.  It is possible to generate large amounts of extra income month after month, year after year.

Publishing to Sell has become better, much… much better.   Our early success above (the ten days of effort that still earns 30 years later) began when our publishing-to-sell business was in print.   When the Internet became popular and we created a website (in the 1990s), the cost of publishing risk went into a steep dive due to a new advertising medium called Pay Per Click (PPC).  Prior to PPC the biggest part of every publishing venture was paper, printing and postage.  If a publication was mailed, and not read, the paper, the printing and the postage still had to be paid for.  The cost of sending publications which were never opened, created a huge risk.

PPC means that a publisher today only pays from the delivery of a publication when it is opened.  This dramatically reduces upfront cost and risk.

Freedom is the most important benefit.

In the 1970s, I had what I thought was a good business but to be honest I could never get ahead.  I always seemed to be in debt.  The harder I worked, the deeper the hole my finances seemed to be in.  My financial situation robbed me of freedom.

Then I discovered publishing to sell.  Since then our publishing-to-sell business has brought in millions.  We gained all the physical possessions we desire, more houses than we could use (we rent them), two tropical beachfront homes and a Tuscan inspired villa in the mountains overlooking a roaring creek, a 250 acre farm and a 900 acre plantation in Ecuador, plus more than enough money in the bank.

Our income exceeds our expense.

We do not have one penny of debt and we have as much leisure as we choose.

We are free to work when we want and can decide when we want to slow down and relax.

We live where we like and most important, we arise from bed without an alarm, work without undue stress and have fun every day!

My wife, Merri, and I are our own bosses and do what we love.  We have learned that through publishing to sell, we can accomplish far more important goals, to gain self fulfillment and be of service to our community.  In short, we get paid helping make ourselves and the world a better place.

What do you love?  Rare cars?  You can make a fortune publishing to sell in the genre you love.  Do you prefer fine art?   Or do you love beautiful jewelry, coins, gems, real estate, furs, model railways, dolls, scientific equipment, war memorabilia, old and rare books, or whatever?

Do you prefer social subjects rather than objects?  Are you concerned with the environmental problems, with crimes, war, poverty?  Would you like to help wipe them out?  Each of these offers opportunity in publishing.

Are you a golfer?  Do you love to travel?  Why not make the kinds of money I’ve just mentioned publishing reports about golf courses all over the world?

Would you like to help the world be a more spiritual place, help people get along better together?  You can do something good for the world, increase your income in the process and live wherever you please!   You can make a fortune by publishing information that sells products and services that are interesting to you.

Publishing to sell can also be international so you can live anywhere and still earn everywhere.  This is especially valuable if you love to travel.  For example, one shrewd publisher realized that Panama was a great place to live so published information on Panama that sold Panama real estate seminars.

Other publishers reaped rich rewards selling information on their own country.  For example, there is currently a huge growth in domestic tourism.  Self publishers are in a position to do something about it… by selling U.S. knowledge everywhere!

Merri and I, for example, lived in Europe for years, then fell in love with Ecuador for 15 years.  We earned by publishing our experiences gained in each place.

Now in our 70s, we live in Smalltown USA. We love the peace and quiet, are closer to my mom, our children and grandchildren.  We still publish to sell!  In each phase of our lives, the publish-to-sell business allowed us to move and live where we desired.

Imagine what this type of business means if you love to travel.  Part of every trip you take can be tax deductible!  You can honestly write off every trip that is related to your publishing business.  Every journey can become a research oriented adventure and a tax deductible event

For example, you’ll see how when we reached retirement age, we slowed down our self publishing business but still earned $2,404725.98, tax free, over the next ten years.

Many benefits come in the form of reduced tax.  As a publisher, you’ll have one of the most respected and tax protected businesses in the country.  Other benefits come in the form of legal protection. Publishers are protected by the U.S. constitution.  You do not need a license to publish.  There is no government watchdog nor do you have bureaucratic red tape involved in publishing.  The biggest benefits are the freedom, the independence to work wherever you choose in any field you desire.

The 2018 tax law means that you can create a publishing-to-sell business where you only pay tax on 80% of your income.

We created an entire system to help our readers have their own publish to sell business.  This system is unique because my wife, Merri, and I are unique.  We started our publishing business together.  Since we’re almost recluses, we decided to do the whole business by ourselves.  We began working at home.  Today, though we have tens of thousands of readers and have made millions, we still work at home and do not employ a single person.  When we switched to online publishing to sell, we added one business partner, our webmaster, who created and runs our website.  You’ll can learn how to do this in the course I am about to introduce.

May I introduce you to our course, “SELF-FULFILLED – How to Be a Publisher to Sell”.

The course teaches all you need to know on how to start and run your own publishing-to-sell business by yourself.  The first lessons in the course answers your questions and get you started!

This course can put you well on your way to publishing to sell and give you the freedom to live wherever you choose!  It covers the five secrets I mentioned above and the four additional secrets below:

Secret #6:  How to gain 1,000% returns.  See why some of the wealthiest families in the world today come from publishing.  Learn how margins can be so incredible that few would believe them.  This online course contains many case studies.  Case Study #3 for example shows one publisher who sold an idea delivered on one photocopied page.  His cost was only three cents, his selling price $12.50!

Secret #7:  How to create and market your product or find products to sell.  Learn 11 steps in creating the perfect product.  Understand how to review ideas, test focus, aim at markets.  See why you don’t have to write anything if you don’t want to!  Learn where and how to get your data and get others to write for you almost FREE.

For example, the course shows how one friend, before the Internet, never wanted to write and decided instead to publish on cassette tape.  He later switched to webinars.  He started part time and built a career that brought in millions and brought him to know some of the most interesting people.  Now of course publishers who do not want to write can use the internet.

Learn how marketing is the key to successful publishing and how to turn pennies into dollars with good marketing focus.  Gain samples of winning marketing pieces.  Learn 21 frequently committed marketing blunders and what to do about each.

You’ll learn how to turn advertising dollars into a fortune.  How to create your own ads.  When to use classifieds, space ads, direct mail or word of mouth.  See how to build a PR list and get thousands of dollars in free publicity.  I share my most secret results on recent mailings so you will know why sometimes you sell more units of a publication at $49 instead of $29.  I show how one couple used ads about retirement to supplement their retirement income and get free trips all over the world.

Secret #8: When to print, how to print and when to go online only.  How to print and fulfill.  Learn how to cut your printing bill in half by asking for quotes differently.  Learn tricks of the trade, how to get the best quality at the lowest price, why to avoid the biggest printer in town and why to avoid the franchise printers.

Secret #9: How to compute and use the Internet.  With an inexpensive computer, you can easily run a business from home and still have tons of time left over-even if you are computer illiterate.  Merri and I have proven this!  The secrets in the course include a step-by-step approach on what to do.   Our partner, the internet expert includes what you need to know for online publishing.

The course contains information on how to use computers and the Internet for your publishing business.  For example you will learn how I have eliminated hundreds of thousands of dollars of printing and postage by switching all of my business onto the net.  We unlock all the secrets of publishing so you can have increased lasting income and reduced taxation.  This course is perfect for those with great computer skills and can help you learn how to focus these skills into a profitable publishing business.

However, the course also helps computer illiterates like myself and shows how to get your computer work done with no upfront cost.

I have created this course in an easy to understand style.  Everything is explained what to do in vivid detail.  We share all, how we have done it ourselves.  The course is full of publishing ideas and case studies.  You’ll learn about a pilot who published a book on the best airport cafes. All his flying became tax deductible!

You’ll see how one couple who loved an island wrote a guide on the place and made enough to buy a home on the beach there.

Another made millions with one simple legal idea.

I give names, resources and addresses of contacts in marketing, printing, plus attorneys, accountants, Internet whiz kids who can give help.

This course is not theoretical.  It describes on a step-by-step basis, how Merri and I built a million dollar international business in just 7 years and how you can do the same.

The course is designed so you can get your own publishing-to-sell business going, full or part time right away.  I’ll explain how and why by sharing one other amazing experience that makes this special offer available for you now so you can have the course for pennies on the dollar.

I have previously exposed this idea only to my readers and never to the general public.  We conducted a course charging $2,000.  Here are raves from delegates who have used our course.

For example, one delegate, a publisher from California said:  “Your publishing course is outstanding! Just two hours of study on Sunday alone were worth more than the price.”

An engineer from Ohio wrote, “Basically, I learned how to be a publisher, especially the selling and marketing implications. The course is absolutely worth the cost!”

A retired railway worker from Michigan said, “Your course opened my eyes to the merits, profits, and prestige of becoming a publisher, particularly the idea of publishing in Canada for distribution in the U.S. (for total tax protection).” An employed couple from New York wrote, “We found the course interesting and informative. We were inspired to start work on a booklet. When we came down, we had no idea on what to publish.” And an attorney from Germany stated, “What I like most is that it is a nuts and bolts course-not pie in the sky.” While a business woman from Atlanta exclaimed, “It was great going through your steps, being 100% honest without fear of giving trade secrets since you have paid the price (to gain this knowledge).”

Merri and I have been overwhelmed by how much the course helped so we conducted another course and recorded it.  We then reproduced it in written form so it can be delivered entirely online at a huge reduction.  Though many readers have paid up to $2,000 for this course, you can start for only $299.

Here are some of the lessons you will learn in the online course:

Lesson #1:  A Day in the Life of a Publisher.  See how you can start with only a very small amount of money, work as little as four hours a day (if you are operating full time) even less if you start part time. Learn how two of my publishing friends, one an M.D.-the other a pilot ran their own money letters.  This gave them incredible tax protection, took them on many free, exotic trips, widened their perspective and field of friendships, helped them keep the money they were making in their fields and gave them a backup business that they loved for retirement.

Lesson #2:  How to Create Your Product.  Learn 11 steps in creating the perfect product.  Understand how to review ideas, test focus, aim at markets. See why you don’t have to write anything if you don’t want to!  Learn where and how to get your data and get others to write for you almost FREE.

Lesson #3:  How to Choose Your Format.  Some ideas are timeless and can be sold in a book for years on end.  Others are better in a magazine, newsletter or other periodic publication. Some products can just be lists, simple one page photocopied ideas or names and addresses. Understand when to print, record (on audio or video) and when to transfer through the Internet. Learn how to choose the format that suits you, full or part time.

Lesson #4:  How to Publish to Sell.  Learn how marketing is the key to successful publishing and how to turn pennies into dollars with good marketing focus.  Gain samples of winning marketing pieces.  Learn 21 frequently committed marketing mistakes and what to do about each. Know where and when to advertise (such as never near Easter-Christmas is OK).

You’ll learn how to turn a few advertising dollars into a fortune.  How to write or have ads written.  When to use classifieds, space ads, direct mail or word of mouth.  See how to build a PR list and get thousands of Dollars in free publicity.  Learn the tricks of the Internet to easily focus and capture a market there.

Lesson #5:  If You Print-How to Print?  Did you know that you can reduce your printing bill by half just asking for a job in the right way?  Learn all the tricks of the trade, how to get the best quality at the lowest price, why to avoid the biggest printer in town and why to avoid the franchise printers.  Learn how to choose the right graphics, correct paper, envelope, style, letter fonts.  When on demand printing is best.  Every Secret is included.

Lesson #6:  How to Fulfill.  This session is a practical guide on how to administer your business.  How to set up a computerized fulfilment system, get local families to do all your work for you and run your business (if you wish) from your home.  Learn how and why to use low and variable overheads, yet give one day turn-around delivery.  Learn when to choose delivery services, to fulfill yourself or build your own system…or when to simply fulfill via the Internet.

Lesson #7:  How to Finance.  Learn all you’ll need about the financial end, of the business, how to control physical or online inventory, keep overheads down, check ad results, get 30 day free credit and stay on top of your business.  Learn 11 hazards to avoid and tricks to stay profitable without a daily accountant.  The course and manual contain all these secrets and more.  The computer/internet workshop personalizes the knowledge so you can get started.

Who is This Course For?

This course is for those who would like their own publishing business for fun and profit but also helps business people, brokers and professionals, insurance agents and marketers who want to enhance their existing business or build a second source of income.

Publishing can be used to shift the cost of marketing into a profit center.  If you want your own full or part time publishing business, or want to build your existing business through publishing you should sign up for this course right now with a special pennies on the dollar offer.

This course is for individuals and couples.  You can order the course but your entire immediate family has permission to use it.  We include those who want their own business or who want to have a business together or a family business.  Business people or professionals who want to add an extra profit center to their business or who want to change their business entirely will benefit.  Those who want more control over their career should take this course.  Plus those who love travel and want to turn their trips into profitable tax deductions!

Only those who really want to publish for profit or to expand their business should sign up for this course.  We have created a proposition where you cannot lose, but the course is not for idle curiosity.  We are giving away every business secret we possess and expect those who use it to reap fortunes in extra income, tax savings or expanded business. We expect this knowledge will change your life for the better.  You’ll gain extra income, more fun, adventure, friends, freedom, independence and prestige too.

Due to the enormous savings of an online course, you can start for only $299 with a full money back if not satisfied guarantee.

Merri and I have had a publish to sell business together for over 30 years and both of us were in publishing before we got together.  Merri’s publishing experience even outstrips mine and we spend a great deal of personal time continually updating the course as the publishing business evolves.  We have a successful publishing business with over 20,000 readers, so our updates are based on real time experience.

Are you interested in a publishing business?  It can be small and part time mainly to gain prestige, fun and tax benefits.  It can be full fledged and rake in thousands a day.  If so, this course is an absolute bargain.  You should sign up now!  Our goal and guarantee is that you will be able to run your own publishing business that publishes to sell.

Though many readers have paid up to $2,000 for this course, you can start for only $299.  You could not duplicate the computer and Internet knowledge for $2,000.  It covers what you need to get on the Net, how to use the Web to publish, how to define your Internet market, how to develop your site, target your market and start getting visits, the top ten Internet tips to use, the top ten traps to avoid, and many other lessons our Webmaster has used in his 20+ years on the net.  In many cases your tax savings will be five to ten times the cost of the system alone, plus you will learn how to gain thousands of FREEBEES and earn hundreds of thousands a year.

Our publish to sell business has brought us more wealth, satisfaction, fun and friendship than I imagined possible.  It has brought so much to my life, I would like to help everyone be in publishing and I hope you are one with whom I will have the pleasure sharing this exciting and profitable way of life!

Whether you are retired, an investor, chiropractor, doctor, dentist, professional or already own your own business, this offers another way to make money, to turn your passion into profit. We guarantee to share all we know to help you start and run your own publishing business.

Don’t miss this opportunity.  Sign up with this special offer.

Our Guarantee

If you are not fully satisfied, you can cancel the course any time in the first two months.

Why the Update Lessons?

What all professional publishers know is that the world of publishing changes continually and that the key to continual success is to test, test, test and keep the business evolving with the market place.   The course you receive is up to date, but it will fall out of date soon.  To keep you in touch with the latest trends, techniques and ideas, we add regular update lessons to your course.

We have over thirty years experience and are active in the publishing world every day.  We work with several of the largest internet publishers in the world and gain a continual flow of new experiences, ideas, tactics and strategies.  Your update lessons bring you the latest innovations that are being used in the publishing world right now.  This is a key to maintaining a continual flow of everlasting residual income from you publications.

We unlock all the secrets of publishing so you can have increased lasting income and reduced taxation.  This course is perfect for those with great computer skills and can help you learn how to focus these skills into a profitable publishing business.

We are so confident that you’ll gain from this offer that if you are not fully satisfied, simply email us any time during the first 60 days for a full refund. 

Order “Self Fulfilled – How to Publish to Sell” and a full year of update lessons $299.  Click Here.      

Gary

See Five Jamie Alexander healthy, delicious, quinoa-stevia recipes here

(1) wsj.com US household debt up 193 billion to 15 trillion

(2) www.cnbc.com: US security chief calls national debt a dire threat

(3) www.wsj.com: US consumer prices rose in January

Why Currencies Lose Value


Why would a government want to weaken its currency?  The answer to this question creates a 50% currency profit potential over the next two years.

Governments as a whole might not want to weaken their currency.  Politicians as individuals do, inadvertently perhaps, because promising something for nothing attracts votes.  The way such promises are kept is through deficit financing.  Politicians treat voters in a similar way to how I train our dogs.

Ma & Chuk

Mah and Chuk.

Merri and I have two dogs.  Training them and maintaining their obedience requires a  lot of carrot (dog treats, play or affection actually) and a little stick (the word “No” should suffice).  Dogs need to want to obey their master because it feels good, not because of fear.  Training should be easy, gentle, fun but firm, without fear.

Sometimes training requires a little trick because hounds have short memories and when together they can become less obedient.  The pack mentality makes them more likely to ignore commands such as the “Do not dig under the fence”.

electric

Digging under the fence is a problem because our hounds cannot be watched all the time.  They cannot be punished for coming to a call when they are outside the fence.  They need fear of the fence not fear of me.  Enter the Haveahart eFence (e is for electricity).   One wire, a little juice and one touch of the wire solves the problem.  Fear of the fence (not Merri or me) is created.  The juice can then be removed.  The problem is solved.

electric

Politicians treat voters like dogs.  They offer voters something for nothing.   Politicians may deliver the promise, but with dollars borrowed.  The politicians look great.  They are recognized for keeping the promise.  The voters do not connect them to the debt.  The debt is government debt and voters fail to note that this debt is theirs and mine and every person who holds dollars.  We will pay it, one way or the other, through increased taxes, reduced government services in the future or a currency that has reduced purchasing  power.

The dogs do not fear me because I am not directly related to the eFence.   The voters do not fear or hate the politician because the politician is not directly related to the debt.  It’s a neat but terrible trick that can help destroy the integrity of a currency.

Currency devaluation is not totally the politician’s fault.  Human nature is the real driving force.  George Orwell captured this fact nicely in Animal Farm.  Power corrupts and as long as a system exists there are some who will take advantage.  Voters vote for promises without asking, “Who will pay and how?”  Politicians promise something for nothing because they want to be elected.  This entire process is paid for with borrowed money.

Debt reduces the rarity of money.

Politicians everywhere use this trick and the strength of a currency is enforced or reduced, in part, by the sum total of  politicians using the currency to keep promises of something for nothing.

We saw this scenario play out last week in Greece’s elections.  Contender Alexis Tsipras promised to end tough bailout conditions, which he said had locked Greece into “a straitjacket of debt, unemployment and stagnation”.  The President Antonis Samaras ran on the stance that Greece had little choice to enforce austerity because “the ship was sinking”.  The President’s platform was shaky because Greek youth unemployment is running at almost 60% and general unemployment over 27%.

Greek voters want better conditions. The promise of something for nothing sounded pretty good.  The contender swept away the President and formed a new government.  How is he going to pay for an austerity cut back? Tsipras will try to renegotiate debt or have the country default on some of their debt.  This will not solve the problem.  In fact conditions will grow worse and Greece may end up losing the euro as its currency.   If Greece creates a new Drachma the currency will have a serious devaluation because the voters bought into a “Something for nothing promise”.

The Greek election also reduced the purchasing power of the Euro.  A Reuters article “Euro hits fresh 11-year lows versus dollar following ECB move” tells the tale and tells how the euro fell to fresh 11-year lows against the dollar and is down over 7 percent since the start of the year.  The article explained how the Greek elections could add uncertainty to the euro’s weakness.

This in turn creates difficulties with the US dollar and America’s economic growth as evidenced by a Wall Street Journal article “Euro’s Big Drop Puts U.S. Economy, Federal Reserve to the Test Strengthening Dollar Will Make American Goods More Expensive Abroad and Could Slow Both U.S. Growth and Inflation”.  This article says:  U.S. officials have been playing down that scenario, and, more broadly, resisting talk of a global currency war—competitive devaluations by countries eager to keep their currencies as low as possible to protect exports.

Preserving the purchasing power of your earnings, savings and wealth requires currency diversification.  

Three events including the US dollar’s rise contain remarkable similarities to similar positions 30 years ago.  These similarities reveal three patterns that in 1982 created the best opportunity investors have seen in 32 years.  The first profit came two years after when 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 in the next two years for investors who understand these currency, market and economic conditions.

This is the most exciting opportunity I have seen since we started sending our reports and conducting our Multi Currency International Investing seminars over 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’ll be marketing this shortly and have set a price of $29.95, but want to try a test.  The report shows 22 good value investments and a way to invest very small amounts (even $5,000).  There is extra profit potential of 50% so the report is worth a lot.

I’ll be marketing the report for $29.95 but right now you can order this report for any amount you wish to pay.  Order the report here for whatever price you choose.

Gary

(1) Euro hits fresh 11-year lows versus dollar following ECB move

(2) Euro’s Big Drop Puts U.S. Economy, Federal Reserve to the Test

Protected: Trading Down: The Global Economy Shifts Gears- Part III


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Ecuador Police Unrest


Ecuador police unrest creates a hard spot that rocks with turmoil.

ecuador-police

Ecuador’s police and part of the military are on strike. The Ecuadorian President is speaking to the nation as I write… so let’s take a moment to understand the problem and project what might happen.

Ecuador’s president is between a rock and a hard spot as he has been trying to enhance Ecuador’s infrastructure and help the poor all at the same time.

Unlike the US and some other governments, Ecuador does not have unlimited credit. This creates a problem as explained in a recent article at Bloomberg.com entitled “Ecuador will probably tap China pensions to finance deficit Fitch says”  The article says:

Ecuador will probably tap the nation’s pension fund and seek a loan from China to help finance its $2.7 billion budget deficit, according to Erich Arispe, an analyst at Fitch Ratings.

South America’s seventh-biggest economy may need as much as 4.3 percent of gross domestic product to fund the “relatively large” deficit, Arispe, a New York-based analyst at Fitch, said yesterday in a telephone interview.

Ecuador is using debt to increase spending on infrastructure projects and social programs in a bid to lower unemployment and boost economic growth, President Rafael Correa said in a June 5 statement. The nation’s default on $3.2 billion in bonds since 2008, declining oil production and a slump in private investment has crimped funding sources, Arispe said.

Correa “has to find a way to finance his ambitious investment projects,” Arispe said. “Given the limited potential of increased oil-derived revenue” and declining investment, “increasing debt is the option they have at this point.”

The extra yield investors demand to hold Ecuadorean dollar bonds instead of U.S. Treasuries narrowed 6 basis points, or 0.06 percentage point, to 10.36 percent at 9:09 a.m. New York time, according to JPMorgan Chase & Co.’s EMBI+ index. Ecuador’s spread has widened 23 basis points in the third quarter, compared with a 58 basis-point drop for the index.

Ecuadorean sovereign debt is the second-riskiest after Venezuela’s among 15 emerging markets tracked by JPMorgan, according to the bank’s EMBI+ indexes.

The government next year will also begin offering treasury notes with a term of less than one year to boost liquidity, Rivera said Sept. 24. Ecuador has proposed legal changes to allow the country’s banks to use short-term government bonds for as much as 75 percent of their reserves and let the government boost public debt to 50 percent of GDP from the current limit of 40 percent, Rivera said.

The article was correct in a number of respects… the first being that the government is trying to finance part of its debt with Ecuador pension funds.

Yesterday the government altered retirement and military regulations and at least three changes have led to a strike.

Change #1:  All government workers must retire at 65. In Europe people are striking because they want to retire early. In Ecuador people wish to continue to work.  However it is the second change that really creates the rub.

Change #2: Retirement pension buyouts will be paid one half in money and one half in government bonds. In other words, if no one else will buy Ecuador bonds let’s force them on retired government workers.  Americans should remember this ploy.  The US government has floated similar trial balloons about protecting pensions from stock market fluctuations with government bonds.

Change #3: The police and military are being affected. The police and military have many special benefits… military hospitals… bonuses for promotions… for moving, etc. The government has stripped all these away.  In retaliation the police are currently on strike.

As I wrote these details, President Correa was speaking to the public and one of our A TeamEcuador just sent me this note:

Gary President Correa told the people he doesn’t care.  He said he won’t back down on his decision and he said if  the policeman desire,  they can kill him.  That’s not good negotiation in my opinion.

There are several protests going on today.  Since the police are on “strike” no one will make sure that the protesters behave.

This is happening all over the country.   We do not know what will happen but the president went to talk to the police headquarters.  They refused to hear him.

The Asamblea (Congress) has no police protection at this time.  All public employees are going to march to the Carondelet (Presidential Palace) this afternoon, with no police protection to stop them.

I’ll keep you posted.

And we will keep you posted.

Gary

Join us at our October seminar to learn how to earn and diversify globally.

Read Ecuador will probably tap China pensions to finance deficit Fitch says

Ecuador & Economic Collapse


Ecuador may be a great place to be if there is a global economic collapse.

A theme in our messages is that there are four ways to beat inflation… investing in commodities… real estate… stocks and your own small business.
This is one reason I like Ecuador real estate. First it is a good value now.  Second it is a great place to be any time and third it is an especially good place to be during a global crisis.
The people are by nature, friendly and easy going.  There is plenty of food and never severe temperature problems.
Ecuador is a small agricultural country and as such, a huge national distribution system is not required.  The food is fresher.  Preservatives are not as required.

Ecuador’s land for producing food is rich.

ecuador-safety

Food is produced in every nook and cranny.

ecuador-safety

and available in markets and every village.

ecuador-safety

Corn, beans and potatoes are the basics in the Andes.

Excerpts from my latest multi currency portfolio lesson explains why this is extra important at this time. The lesson says:

This message is about risk and the chances of economic collapse.

Every investment adviser I work with is nervous… due to the massive debt that has been created in the last recession…  without a lot to show for the spending.

For example… an article in the telegraph entitled “Société Générale tells clients how to prepare for potential ‘global collapse” provides a big warning.

Société Générale is one of the oldest banks in France and is one of the main European financial services companies and is active all over the world.

The Telegraph article about this bank says:

Société Générale has advised clients to be ready for a possible “global economic collapse” over the next two years, mapping a strategy of defensive investments to avoid wealth destruction.

Explosion of debt: Japan’s public debt could reach as much as 270pc of GDP in the next two years.  In a report entitled “Worst-case debt scenario”, the bank’s asset team said state rescue packages over the last year have merely transferred private liabilities onto sagging sovereign shoulders, creating a fresh set of problems.

Overall debt is still far too high in almost all rich economies as a share of GDP (350pc in the US), whether public or private. It must be reduced by the hard slog of “deleveraging”, for years.

Under the French bank’s “Bear Case” scenario (the gloomiest of three possible outcomes), the dollar would slide further and global equities would retest the March lows. Property prices would tumble again. Oil would fall back to $50 in 2010.

Governments have already shot their fiscal bolts. Even without fresh spending, public debt would explode within two years to 105pc of GDP in the UK, 125pc in the US and the eurozone, and 270pc in Japan. Worldwide state debt would reach $45 trillion, up two-and-a-half times in a decade.

The underlying debt burden is greater than it was after the Second World War, when nominal levels looked similar. Ageing populations will make it harder to erode debt through growth. “High public debt looks entirely unsustainable in the long run.

We have almost reached a point of no return for government debt,” it said.

Inflating debt away might be seen by some governments as a lesser of evils.

If so, gold would go “up, and up, and up” as the only safe haven from fiat paper money.

SocGen advises bears to sell the dollar and to “short” cyclical equities such as technology, auto, and travel to avoid being caught in the “inherent deflationary spiral”.  Emerging markets would not be spared. Paradoxically, they are more leveraged to the US growth than Wall Street itself. Farm commodities would hold up well, led by sugar.

Mr Fermon said junk bonds would lose 31pc of their value in 2010 alone. However, sovereign bonds would “generate turbo-charged returns.”

There are several ways for governments to solve debt problems.

Excerpts from an article last week in USA Today by John Waggoner entitled “Depression, WWII lessons for economic recovery? Sacrifice” explains:

Even during the Great Depression, federal spending was never more than 11% of GDP.   The last time the nation’s debt was this big compared with gross domestic product — 70.4% of GDP — was immediately following World War II.

How did the Greatest Generation pare it down? It didn’t.

It grew the economy faster than the debt, pushing down the debt-to-GDP ratio and making debt payments easier to manage. But that generation also did some things that U.S. citizens and politicians don’t seem willing to do today. It paid higher taxes, and it had a smaller government — and, at least until the 1980s, it kept annual budget deficits small.

The citizens of the U.S. owe $12.3 trillion in Treasury debt to banks, individuals and foreigners. That’s about $40,000 per person living in the U.S., and it’s not counting the amount our states owe — or, for that matter, what we owe to our individual creditors.

Although the U.S. is currently handling its debt comfortably and pays remarkably low interest rates on it, there’s mounting recognition that sooner or later, we must move the debt-to-GDP ratio in the other direction. And that will involve hard decisions on taxes, spending and sacrifice — something the World War II generation knew much about.

Even during the Great Depression, federal spending was never more than 11% of GDP, according to the Economic Report to the President, an annual government publication by the Council of Economic Advisers.

By 1942, spending climbed to $35 billion, or the inflation-adjusted equivalent of $465 billion. Annual spending peaked at $92.7 billion in 1945, or $1.1 trillion in today’s dollars. By 1945, the U.S. debt was 121.7% of GDP, vs. an estimated 70% today, according to the Economic Report to the President.

Then and now:

How did the government repay the war debt? It didn’t, really. Much of it was rolled over when it matured, but new borrowing was limited. “During the early postwar years, the federal government ran either small surpluses or small deficits,” says Anthony O’Brien, professor of economics at Lehigh University. The federal debt was $260.1 billion in 1945 and $274.4 billion 10 years later in 1955.

But the economy grew faster than the deficit did. GDP was $221.4 billion in 1945, and $394.6 billion in 1955 — despite high tax rates, which persisted. Because of economic growth, the ratio of debt to GDP fell nearly every year from 1947 to 1981. As the nation’s debt became a smaller part of GDP, the debt became much less burdensome, much as a fixed mortgage payment becomes more affordable as your income grows.

What’s different between then and now? Plenty.

World War II was a finite event, and it’s pretty easy to stop war spending and bring the budget back into balance — or close to it — when the war is over.

“Government spending went down by a dramatic amount,” after WWII, says Steven Hess, lead U.S. debt analyst for Moody’s. And government was far more limited: In 1945, there was no Department of Education, no Environmental Protection Agency, no National Security Agency, for that matter.

Today, the U.S. is involved in two wars: Both have lasted longer than WWII, but they have been far less expensive — about $1 trillion so far. So there’s no one dramatic event that will reduce the debt-to-GDP ratio, Hess says. “It’s going to be much more difficult.” The problems:

•Recession. When the economy falters, so does the government’s income — that is to say, the taxes it collects from corporations and individuals. The government collected $2.5 trillion in 2008, and it collected $2.1 trillion in 2009, a $400 billion shortfall.

•Spending. Federal spending has jumped from $1.8 trillion in 2008 to an estimated $3.1 trillion in 2009. Unlike World War II spending, however, there’s no quick end in sight to current spending. Much of the growth in spending since the end of the war came from entitlement programs, such as Social Security, and military spending. In 1963, for example, Social Security and Medicare were 14.8% of all federal tax receipts, and defense was 50.1%. In 2009, Social Security and Medicare are an estimated 40% of federal tax receipts, and defense is 25.7%.

•Taxes. The maximum federal income tax rate in 2009 is 35%, down from 39.6%in 2000.

Lower taxes stimulate the economy, and raising taxes in a recession is a nearly sure-fire way of deepening the recession. Nevertheless, tax cuts add to the deficit if the government doesn’t rein in spending. “You can’t raise spending and cut taxes,” and get a balanced budget, says David Wyss, chief economist for Standard & Poor’s. Estimates of how much the tax cuts have added to the deficit range from about $1.8 trillion to $1.35 trillion.

•War. Fighting a war is one of the most reliable ways to create a big debt. The British, for example, finished repaying their World War II debt to the U.S. in 2007. Germany will finish repaying its World War I reparations in 2010. Every Allied nation except Finland defaulted on its World War I debt to the U.S.

The article goes on to point out that there are three ways to solve the problem… Raise taxes, cut spending, or grow the economy fast enough — and grow the deficit slowly enough — that debt becomes a smaller portion of GDP.

Currently, the nation’s debt-to-GDP ratio is in line with most other developed countries and well below Japan’s.

This does not mean the US debt is good. This means that the global debt is bad!

And the US debt is headed higher towards the 100%, level where it is difficult to grow out of.

The way to cut the deficit is a combination of tax increases and budget cuts. Yet because neither of these options are politically popular…. expect inflation… the loss of the purchasing power… around the world.

There is a warning signal in the markets now… the rising US dollar.

The chart below shows how the euro recovered after the past panic shift to the greenback and how the dollar is now rising again.

euro-dollar chart

End of excerpt.

My latest Multi Currency Lesson explains more about why there is extra risk now. Learn how to obtain this lesson here.

There is little we can do about the global economy.  That fate is beyond our control.  Yet there is a lot we can do for ourselves.  The common refrain among good investment managers is “do not waste the recession”.

These economic worries and concerns, pressures and tensions in countries everywhere are problems and problems create opportunity. Whether you live in Ecuador… full time or part… you can gain extra opportunity investing in commodities… real estate… stocks and your own small business.

Gary

Join Merri and me this February  at a seminar or tour and share ways to invest, do business and live that protect wealth as they bring joy, satisfaction and better health.

Join us with our investment advisors and tax attorney February 11-14  at Quantum Wealth -International Investing & Business Made EZ, Mt. Dora, Fl.

You can also come on with us to Ecuador.

February 15-16 Travel to Quito and tour Quito

February 17     Travel Quito to Manta

February 18-19  Manta & Mid Coast Real Estate Tour

February 20 Travel Manta to Cotacachi

February 21-22 North Andes, Imbabura & Cotacachi Real Estate Tour

February 23-24  Quito & Mindo Real Estate Tour

February 25 Travel Quito Cuenca

February 26-27  Cuenca Real Estate Tour

Or join us in March 2010

March 11-14     Super Thinking + Spanish Course, Mt. Dora, Fl.

March 15    Travel to Quito

March 16 Travel Quito Cotacachi

March 17-18  North Andes, Imbabura & Cotacachi Real Estate Tour

March 19-20    Cotacachi Shamanic Tour

March 21  Travel Cotacachi to Manta

March 22-23   Manta & Mid Coast Real Estate Tour

March 24 Travel Manta to Cuenca

March 25-26 Cuenca Real Estate Tour

March 27  Travel Cuenca to Salinas

Mar. 28-29   Salinas & South Coast Real Estate Tour

There are five days left to gain the largest savings on our Ecuador tours.

The Ecuador airfare war makes it cheaper to get to Ecuador than ever before… and there is still time to enjoy great Ecuador tour savings.

You enjoy discounts by attending multiple seminars and tours. Here are our multi tour adventure discounts.

Two Pack… 2 seminar courses & tours $998 Couple  $1,349 Save $149 on couple

Three Pack… 3 seminar courses & tours   $1399 Couple  $1,899 Save $98 single or $348 on a couple or more

Four Pack… 4 seminar courses & tours   $1,699 Couple $2,299 Save $98 single or $697 on a couple or more

Five Pack… 5 seminar courses & tours  $1,999 Couple $2,699 Save $496 single or $1,046 on a couple or more

Six Pack… 6 seminars courses & tours  $2,199 Couple $3,099 Save $795 single or $1,395 on a couple or more

Even Better.  Greater Savings. Our 2010 International Club membership allows you and a guest to attend as many of the 51 courses and tours we’ll sponsor and conduct in 2010  (fees would be $40,947 for all these courses individually) is only $2,999.

The International club fee rises to $3,500 January 25 2010. Enroll in the International Club now at the original fee of $2,999. Save $501 extra before January 25, 2010.

Because holiday expenses often tighten the winter cash flow, you can enroll with three monthly payments… $1,025 in January… $1,025 in February and $1,025 in March 2010.

If you join the International Club, the entrance fee for 2010 is $2,999 (until January 2010).  Your attendance fees at all courses will be waived. You and a guest of you choice can attend courses worth $40,947.You can calculate the savings as our schedule of all 2010 courses here.
International Club 2010 Membership $2,999 Enroll here