Where in the World to Invest?   With low interest rates… a ratty global economy and high volatile commodity prices, this is a very good question.

The photo below shows the risks in inflation.  Recently when mom decided to sell the old family house I took over the stack of old family albums and while pouring through them stumbled across this hospital receipt for my birth at Portland Sanitarium Hospital.

I wonder what you can get in the hospital today for 79 bucks?

We have to make our money increase its purchasing power if we want to keep up.  Where in the world should we invest to do this?

Is the stock market the best place to go?  Tom Ruggie of RuggieWealth Management threw out some thoughts in his latest Weekly Commentary.

Ruggie wrote: Is the “cult of equity” dying?

Since 1912, stocks have returned on average 6.6 percent per year after inflation, according to Bill Gross, the legendary bond manager from PIMCO. Recently, Gross ruffled some feathers when he wrote that the historic 6.6 percent return “is an historical freak, a mutation likely never to be seen again as far as we mortals are concerned.” Histrionics aside, Gross makes a point that deserves elaboration.

Gross believes that, in the future, less of the country’s wealth will be captured by capital (the financial markets) and more will flow to labor (as higher wages) and government (in the form of higher taxes). For the past 30 years, he said, capital markets were the big winner, as real labor wages and corporate taxes declined as a percentage of GDP. By his analysis, that will start to reverse with the capital markets being on the losing end.

Is Gross right?

Well, his chief critic, Wharton professor Jeremy Siegel, emphatically says no. In an August 2 Bloomberg interview, Siegel made the following three rebuttals to Gross:

1.      The 6.6 percent real return was similar in the 19th century in the U.S., too, so it’s not just a 20th century anomaly or “historical freak.”
2.      Other researchers have discovered non-U.S. equity markets with similar 6 to 7 percent real return averages over the past century, further supporting the idea that the U.S. is not an anomaly.
3.      Often, when the media declares “equities are dead,” that’s a sign a bull market is just around the corner – remember the infamous August 1979 BusinessWeek “The Death of Equities” cover story? Three years later, stocks took off on one of the century’s greatest secular bull markets.

So, who’s right, Gross or Siegel?

It turns out they both could be right. The key is your timeframe. Since markets fluctuate, we’ll likely see periods when the market delivers more than a 6.6 percent real return and other times when it’s less. However, simply buying and holding on for dear life hoping Gross is wrong probably isn’t the best strategy. Rather, rigorous analysis of all the investment opportunities and careful portfolio tweaking could be the solution.

http://www.flickr.com/photos/garyascott/7791480010/in/photostream

Notes: S&P 500, DJ Global ex US, Gold, DJ-UBS Commodity Index returns exclude reinvested dividends (gold does not pay a dividend) and the three-, five-, and 10-year returns are annualized; the DJ Equity All REIT TR Index does include reinvested dividends and the three-, five-, and 10-year returns are annualized; and the 10-year Treasury Note is simply the yield at the close of the day on each of the historical time periods.
Sources: Yahoo! Finance, Barron’s, djindexes.com, London Bullion Market Association.
Past performance is no guarantee of future results.  Indices are unmanaged and cannot be invested into directly.  N/A means not applicable.

COULD THE THREE WORDS “PRIME CHILDBEARING AGE” FORESHADOW the next big up move in the stock market? We’re all familiar with the “Baby Boom” generation and the massive impact they’ve had on society. But, less noticed is their offspring, dubbed the “Echo Boom.” Nearly 80 million strong, “they will be become the next dominant generation of Americans,” according to CBS News.

Today, the number of women in “prime childbearing age” is surging and is at an all-time high. While the recent recession and lingering weak economic environment caused many Echo Boomers to postpone childbirth, this could change quickly if the economy picks up speed.

If this potential pent-up demand for babies actually materializes, we could see a spike in births that helps drive consumer spending, corporate profits, and the stock market higher. This potential demographic trend is one reason to be optimistic about America’s economic future.

Ruggie recently bought into his RWM Dynamic All Asset Strategy Portfolio:

iShares Biotechnology and iShares REIT REZ

I could not agree more. We have a larger… more integrated…global economy with more wealth and productivity than ever before.  These shares make sense to me because there will be increasing demand for real estate and food.

You can learn more about Ruggie and these shares from Morgan Hatfield at Ruggie Wealth.   mhatfield@ruggiewealth.com

Warren Buffet falls on the side of equities.

Buffet’s thinking would seem to fit with Ruggie’s.

Buffet said earlier this year (bolds are mine):  “Investments that are denominated in a given currency include money-market funds, bonds, mortgages, bank deposits, and other instruments. Most of these currency-based investments are thought of as ‘safe.’ In truth they are among the most dangerous of assets. Their beta may be zero, but their risk is huge. Over the past century these instruments have destroyed the purchasing power of investors in many countries, even as the holders continued to receive timely payments of interest and principal. This ugly result, moreover, will forever recur. Governments determine the ultimate value of money, and systemic forces will sometimes cause them to gravitate to policies that produce inflation. From time to time such policies spin out of control.

Even in the U.S., where the wish for a stable currency is strong, the dollar has fallen a staggering 86% in value since 1965, when I took over management of Berkshire. It takes no less than $7 today to buy what $1 did at that time. Consequently, a tax-free institution would have needed 4.3% interest annually from bond investments over that period to simply maintain its purchasing power. Its managers would have been kidding themselves if they thought of any portion of that interest as ‘income’.”

Currency investments are for money which has a reason to fail the risk test. The owner agrees to give up purchasing power in the long run to have more stability and certainty in the short run.

“The second major category of investments involves assets that will never produce anything, but that are purchased in the buyer’s hope that someone else – who also knows that the assets will be forever unproductive – will pay more for them in the future. Tulips, of all things, briefly became a favorite of such buyers in the 17th century.

This type of investment requires an expanding pool of buyers, who, in turn, are enticed because they believe the buying pool will expand still further. Owners are not inspired by what the asset itself can produce – it will remain lifeless forever – but rather by the belief that others will desire it even more avidly in the future.”

My own preference — and you knew this was coming — is our third category: investment in productive assets, whether businesses, farms, or real estate. Ideally, these assets should have the ability in inflationary times to deliver output that will retain its purchasing-power value while requiring a minimum of new capital investment. Farms, real estate, and many businesses such as Coca-Cola (KO), IBM (IBM), and our own See’s Candy meet that double-barreled test. Certain other companies — think of our regulated utilities, for example — fail it because inflation places heavy capital requirements on them. To earn more, their owners must invest more. Even so, these investments will remain superior to nonproductive or currency-based assets.

Whether the currency a century from now is based on gold, seashells, shark teeth, or a piece of paper (as today), people will be willing to exchange a couple of minutes of their daily labor for a Coca-Cola or some See’s peanut brittle. In the future the U.S. population will move more goods, consume more food, and require more living space than it does now. People will forever exchange what they produce for what others produce.

“Our country’s businesses will continue to efficiently deliver goods and services wanted by our citizens. Metaphorically, these commercial “cows” will live for centuries and give ever greater quantities of “milk” to boot. Their value will be determined not by the medium of exchange but rather by their capacity to deliver milk. Proceeds from the sale of the milk will compound for the owners of the cows, just as they did during the 20th century when the Dow increased from 66 to 11,497 (and paid loads of dividends as well). Berkshire’s goal will be to increase its ownership of first-class businesses. Our first choice will be to own them in their entirety – but we will also be owners by way of holding sizable amounts of marketable stocks. I believe that over any extended period of time this category of investing will prove to be the runaway winner among the three we’ve examined. More important, it will be by far the safest.”

Ruggie and Buffet’s thinking agree with what I wrote earlier this year: Here are three simple facts about investing and the global economy that also support the long term potential of equity markets and that can help you spot distortions in equity markets.

The first fact:  Overall we should expect the global economy to grow at about 3% per annum.

This first fact was confirmed by Alan Greenspan in his excellent book, “Age of Turbulence”. He wrote:

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

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

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

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

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

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

#1: How much risk is there in any particular investment?
#2: What perceptions do the markets have of the risk?
#3: What risk premium is due?

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

To get real growth requires taking risk. If an investment appears to be less safe, it will pay more than 3%. This is called a risk premium.
 Bonds pay more than bank accounts because they are perceived to be less safe. Stocks pay more than bonds because they are perceived even riskier. Emerging market stocks pay more than major market stocks. Emerging market bonds pay more than major markets bonds.

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

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

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

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

Knowing this helps wise investors spot deceits in the dimension of time.

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

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

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

Yet emerging economies are perceived to have greater risk.

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

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

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

The Emerging Markets longest down turn was six months and the biggest drop 55%.  For major markets, the longest down turn was also six months and biggest drop 53%.

We can see that there has been no more risk in emerging markets than major markets... plus the upside has been much better.  This has now changed and you’ll see why below after looking at the third fact.

The third fact:  Periods of high performance are followed by times of poor performance.

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

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

This has led to the point where emerging equity markets around the world correct down and major markets up a bit.

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

Understanding these three facts leads us to know that a portfolio of European shares is a great bargain at this time…. but there is a special time risk.

Micheal Keppler stated in his recent major market valuation:

In my more than 30 years’ experience, I have never seen such a bad sentiment towards continental Europe. After a strong start in 2012, chances are good for a continuation of rising stock prices in general for the coming years.

If history is any guide, chances are better still for the Major Markets Top Value Model Portfolio.

This view is supported by our implicit three-to-five-year projection for the compound annual total return of the Equally-Weighted World Index, which now stands at 15.3 %, down from 17.6 % last quarter.

The upper-band estimate of 13,835 by March 31, 2016 implies a compound annual total return of 20.7 %; the lower-band value of 9,223 corresponds to a compound total return of 9.0 % p.a. Even our worst case makes equities look attractive — please see chart below, which shows the entire real-time forecasting history of Keppler Asset Management Inc. for the Equally Weighted World Index.

These numbers are based on relationships between price and value over the previous fifteen years. Given the current low levels of interest rates – real rates are negative in most places – I would like to point out that we do not have to be right with regard to the magnitude of our projections, but only directionally for investors to make money.

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

This is why we are weighted into Northern European and Italian banking shares shares that we feel offer extra special value and extra risk premium.

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

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

Buffet Seems to Have Similar Philosophies

Berkshire Hathaway recently added energy shares, National Oilwell Varco and Phillips 66 to their portfolio.

Buffett’s firm also tripled its stake in Bank of New York Mellon, from 5.6 million shares to 18.7 million (banking). It also raised its stake in DirecTV from 23 million shares to 28 million.

Berkshire doubled its position in the newspaper publisher Lee Enterprises Inc., to 3.2 million shares. The company maintained its stakes in other publishing companies, Gannett Inc. and The Washington Post Co. (Publishing).

Four of my major equity holdings are in the same sectors:

Brookfield Renewable Power (Energy)
Unicredit & Jyske Bank (Banking)
Axel Springer AG (Publishing)
Sky Deutschland AG (TV)

Buffet and I may agree on the sectors that may be undervalued, but the difference is I am speculating on shares in Northern Europe that earn mostly in Northern Europe.  This is based on my belief that markets have oversold the Euro weakness and that even shares which do not earn much outside Germany and strong Northern European economies are oversold.  If the Euro fails, these Northern European companies are likely to do especially well in a currency reform.

This is more speculative than Buffet or Jyske’s JGAM who are totally out of the Euro at this time.  Fund managers have to be more sensitive to short term movements. Because I manage only my own funds and have a longer time frame I can wait for this Euro weakening to unravel.

Whatever your time frame…. whatever your beliefs, you do need your money to increase its purchasing power and equities are one of the best ways to do this.  I feel it is important to look for Where in the World it is best to invest in equities now.

See a huge Ecuador real estate shift that creates investing opportunities as well.

Gary

Join Merri and me with Thomas Fischer of Jyske Global Asset Management and Larry Grossman of  Sovereign International Pension Services to see where in the world to invest in 2013.

Super Thinking + International Investing & Business Seminar

Super Thinking + International Investing & Business Seminar, February 1-2-3, 2103 in Mt Dora Florida.

This is the premier seminar we have been conducting every February for over 30 years.  This February is special because the best opportunities come at the darkest hour and that time is here.  Learn how to…

#1: Borrow yen at 2.5% and gain a 5% profit in three weeks.

#2: Turn $499 into $142,020… per year.

#3:  Buy a beach view Ecuador home for $16,000.

Review these ideas in warm and sunny Lake County, Florida, with over 1,000 named lakes and the charm of historic Mt. Dora. This a special place especially at the this time of year.

(Click on photo to enlarge).

These are balmy winter days I shot of the Florida winter from…

my canoe.

Forces have come together for the biggest economic expansion in history.   Huge profits are waiting in business and investing… whether you are just starting… in the middle… are ready to retire or want to start an entirely new career.

One reason for this timing is cyclical.  Equity markets are selling at some of their best valuations in years.

This optimistic outlook is based on the development of earnings, cash flows, dividends and book values.

When you look at the big picture… from the turn of the century until now the entire global economic history has been a series of slow downs and catch ups,  but over the long run  values in the stock market have risen about 9.1 percent, respectively, compounded annually.

There are always emotional reasons for slow downs…  as we have seen in the past five years…  the worries of double dip recessions… high unemployment… concerns about fiscal cliffs. Such fears hold investors back.  Yet  global population growth and advances in production and prosperity are relentless.   Values increase as prices stagnate. Then markets break free and rocket upwards creating wealth, prosperity and growth.

Economic breakouts create fortunes.  This February we get to share with you three… enormous profit possibilities…. one in business…. one in investing and one in Ecuador.

All the facts have come together.   The next boom is about to begin.

We can see the power of breakouts from the last BIG ONE in 1979.   Warren Buffett saw it coming. He mentioned it in a famous 1979 Forbes article “You Pay a Very High Price in the Stock Market for a Cheery Consensus”.

Everything looked bleak.

The 1980s recession, the worst since the Great Depression, was about to begin.   Yet in 1979 Buffett said…. BUY NOW.    On August 13, 1982 the biggest global bull stock market in history began.

The Dow’s 1982 to 1999, relentless 17 year climb is just one breakout we can see.

Click to enlarge.

1979 was the darkest hour.  The herd was thinking negatively.   The reality?  A boom was on!   Then in 1999 another economic contraction began and has been with us till now… 14 years.   The cycle is repeating.  This is the beginning of an even bigger boom.

“It’s not what’s happening that counts. It’s what you do with it.”

Make no mistake… Merri and I have been able to help readers have better lives, less stress and to make fortunes during these last 17 economically depressed years.  Yet the simple fact is that the really big profits come at the start of a boom.  This is why I want to kick off 2013 with you and share more than my usual confidence and enthusiasm. 

The upcoming February seminar is divided into three main sessions.

Each session helps you learn how to gain freedom, remove stress, earn more and do more good in and for the world.

Session One :  International Micro Business – “How to Have a Positive Global Income”.   You can turn $499 in $142,020 a year, even in small towns.

Session Two : Ecuador Living and Real Estate.

Sessions Three:  International & Value Investing Outside the Box.

Here is a partial syllabus of the seminar:

SESSION ONE:  How to Turn Your Passion into a Profitable Microbusiness.   A micro business can be the best investment you can make. Start small and magnify your investment with your effort, enthusiasm and energy.

* Turn $499 into $142,020 through writing and publishing… without risk.  In just one year.  Cash in on the blowback from the global community.  The global economy is good but big business… big government…. big medicine and global everything is also impersonal, often harsh and inhumane.  This expansionary process leaves us believing in nothing.  We are cynical of the global banks… the aggressive police… the intrusive government… the big church… the monetized medicine… the negative media… the unfair laws…. the failing currencies… all the broken promises.

Yet as humans, we have to believe in something and our last bastion… the one we can see, hear, taste, smell and feel is our local community… either as a  place or as a collection of like-minded souls.

This is also where we can actually accomplish something and actually have an impact at doing some good.

On January 1st, 2013, Merri and I launched a new business “Positive Community Magazines” (PCM) with David Cross our webmaster and Dave & Sherry Johnson. This opportunity is for anyone young or old.  PCM offers excellent income… less stress, fulfillment and positive service to the community.  This business helps publish positive community magazines in small towns or to small communities of highly focused, like-minded souls.

Warren Buffett believes so much in this potential that he is buying newspapers in small towns all over America.

In 2012 Berkshire Hathaway purchased 63 small and mid-sized daily and weekly newspapers throughout the United States.

He plans to buy more and says: “I like buying individual papers at the right prices.” 

Buffett stated that Berkshire is not buying big newspapers or more newspaper shares because he believes in the value of local communities.

In February, you’ll meet Dave & Sherry Johnson who had a good life until times turned sour during the 2007 recession.  They lost everything so they moved to Asheboro, North Carolina which Forbes magazine highlighted as “One of America’s Ten Fastest-Dying Towns in the USA”.  They started a community magazine and from the ashes it has risen from success to success.   They now earn over $17,000 a month.  They came to our Writer’s Camp.  We saw their amazing business model and let no moss grow under our feet before asking them if they would help us spread this incredible concept around the world.

We know trends when we see them and this is even more exciting than the trend we saw in Ecuador’s expansion 17 years ago.

As an Independent Community Publisher of Positive Community Magazines, you will publish positive, upbeat community publications dedicated to representing, encouraging and celebrating the community you serve by focusing on the lifestyles, talents, gifts and contributions of the people who live and work there.  Plus you’ll earn as much as $17,635 a month.

Learn how to gain a proven business model with training – archive of articles – design templates – access to low-cost printing – marketing materials – and a very, very low investment (as little as $499) to start.

The Money – Here is the Proforma Income for a 64-page Magazine

In the model magazines the ad revenues run around $13,000 (40% ads/$500 per ad page) and editorial revenues of $4,635 or a gross income of  $17,635 a month.

Printing  and operational expenses are in the $5,800 range leaving  profits of $11,835.  You increase the bottom line if you do more of the design and distribution work yourself.

Other advantages of magazine publishing include the freedom to set your own schedule,  PRESS credentials, prestige, service to the community, philanthropy, being in the know and having a well respected profession.

Saves Lives.  Here is just one example of the good you can do. Sherry Johnson shared this story.

She wrote: Gary,  we even save lives.  In one issue of their magazine they told the story of a little boy who was struggling with a rare disease that caused life-threatening seizures.  One day, while his mom was out shopping, the little boy had a seizure so she rushed him to the hospital.

She called ahead and the nurse met her at the emergency room.  As it happens, the nurse had read the article in the magazine (which someone had brought to the nurse’s lounge) and she recognized the little boy from the article.  Since she knew immediately what was wrong with him, no time was wasted and he was treated quickly.  They were told that this particular seizure was especially bad and that the article probably saved his life.  This doesn’t happen every day but once in a lifetime is good enough!

Downtown Mt. Dora, Florida

Another session in the seminar shows “How to have an international micro business.”  These sessions are highly practical and usable. They focus on how to use modern technology to start global micro businesses based around a website, with minimal investments of time and capital.

By starting small and building with stepping stones and a harmonious focus, Merri and I have learned how to own profit generating phrases at Google.  We, along with our webmaster, David Cross, share the secrets of how you can use words to create your own global income.

The seminar shares how we us “Seven Ps”  (Person, Problem and Promise, Product) to zero in on key word phrases.  The Fifth P (Promise) develops new customers. The Sixth P is the Prospecting Path and Seventh P is the Presentation that creates income.

Learn about other microbusiness possibilities…

In the global micro business sessions we’ll see ideas on how to:

* Create Export Businesses

* Earn from Self Publishing and Writing

* Develop Internet Sales

* Cash in on Ecuador Business Ideas

* Find Organic Agricultural Business Ideas

* Profit With Health Business Ideas

* Turn Ideas for Tours and Seminar Businesses into Profitable Lifestyles

* Create a Multi Dimension extra income lifestyle.

Multi dimensional living can create a lifestyle that brings better health and lasting “real” wealth.  Many readers  are choosing a multi dimensional lifestyle, living on a farm and earning in other ways such as writing.

Activity on the farm in North Carolina. It’s tax deductible and profitable but…

I cannot call it work.

Merri and I have been fortunate. The self publishing business has treated us well.  However a great deal of our financial stability also comes from being multi dimensional.  We have lived on our own farm and seminar camp and orange grove and in our own Ecuador hotel and hacienda.  We are always fixing things up…. buying broken places or taking broken ideas and making them whole.

For decades we have been buying houses and fixing them… painting, restructuring and such.  This is our hobby… that happens to be profitable… or maybe that’s our business and writing is the hobby that also happens to be profitable?

The point is what we do is not work.   We just regularly do what we love and figure out how to earn income in the process.  The adage framed on my desk given to me by a beloved Indian Pundit is “Action is Thy Duty… Reward Not Thy Concern“. With this motto and a bit of common sense living joyfully and earning merge.

Our daughter, Cinda, and David Cross, our son-in-law webmaster and granddaughters, Sequoia and Teeka, have taken this lifestyle route as well.   Cinda loves animals so is a veterinarian and specializes in animal acupuncture which she can do at their farm.

David has his website and voice-over business he can run from their farm and the girls love working in the gardens.

David and Cinda’s multi dimensional farm. They now produce 60% of their food and earn extra income selling their excess organic crops.

Using the Bio Degradable “Bio Wash” to gain added value we have been able to double our production and quadruple the profits in our orange grove.

In the multi dimension segment of the seminar we review how to spot “live on agri and B&B opportunity” in small towns and Ecuador.  We’ll also look at Bio Wash, that we have supported now for nearly 20 years. We’ll show the environmental as well as health and business benefits it brings.

Join Merri and me at our Super Thinking + Investing and Business Seminar – February 1-2-3 , 2013, Mt. Dora, Florida.

Enroll here $799.   Couple $999

See  How to Attend this Seminar for $177 instead

SESSION TWO: Ecuador Living.  Talk about catching an early wave… Merri and I caught the Ecuador expat trend right at its beginning 17 years ago.   We brought readers who joined us in Ecuador then… some amazing opportunities.  This cycle has matured but there are still great bargains if you know what to do.  No one has as much experience and as many contacts in this field. This experience is also dependable.  We do not sell Ecuador real estate so you won’t be hearing any hidden agendas.

A beach house for $16,000?  Is that bargain enough?  You cannot beat experience when it comes to learning all the ins and outs and buying real estate in a country like Ecuador.

For example after more than a dozen years of traveling… working… buying and selling real estate and running businesses in Ecuador… we led Jean Marie Butterlin from France to the coast and he began scouring the beaches from Manta, north to Pedernales… finding the bargains…. meeting the landowners…  understanding the rules, regulations and customs.

That experience made him the expert of Ecuador beach real estate so that bargains could be found and so his clients could overcome the biggest problems and intelligently buy real estate on the coast.

We’ll share how to  buy beach property intelligently.

Here is Jean Marie’s second beach home…. secluded overlooking this…

isolated beach home for just…

$16,000.

You’ll learn how to overcome one of the biggest mistakes most real estate buyers make on the beach.

Dr. Andres Cordova will speak and join me in updating Ecuador real estate and residency rules.

Dr. Andres Cordova speaking at our seminars.

Andres is our friend and Ecuador attorney. He is the grandson of one of Ecuador’s more famous presidents and was a senior partner in a law firm that represents Ecuador’s treasury.

We’ll also review how to create an Ecuador export business as Merri and I have for many years.

Roberto Ribadeneira speaking at our seminar about how he can shop, ship and charge for Ecuador export businesses.

We’ll review the Ecuadorshop Logistics service that provides all these services for exporters in importers into the USA.

We’ll share how Roberto provides an exclusive service that helps readers who export from Ecuador monitor production and quality and assure timely delivery.

This is a great service that provides every detail for importing products into the USA.   We have used this logistics service ourselves for years and became the largest shipper of Ecuador roses last Christmas.  One big benefit is that the service can send each product direct to the buyer in the USA.  The Ecuadorshop Logistics service makes small and medium scale Ecuador exporting possible.

Join Merri and me at our Super Thinking + Investing and Business Seminar – February 1-2-3 , 2013, Mt. Dora, Florida.

Enroll here $799.   Couple $999

See  How to Attend this Seminar for $177 instead

Session THREE  – International & Value Investing Outside the Box.  This session shows how to protect your investments and savings, plus what to do with extra profits you’ll earn.

The educational program Merri and I have developed uses a different form of frequency modulation that opens enormous opportunity for expansion, understanding, peacefulness as well as greater wealth.

FM teaching uses frequency (in music and with each sense… sight…. smell, tactile and even smell) 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.

FM creates relaxed concentration… a key to happiness, health and success.

You learn whole brain thinking that can help improve your freedom, satisfaction and income through business.

This part of the seminar helps us integrate their brain waves so they are more intelligent, intuitive and relaxed.

The Super Thinking sessions show three ways (baroque music, relaxation and nutrition) to get into and stay in a state of relaxed concentration… a mental state shown to enhance almost every human capability… especially writing.

Merri and I are explorers so we have used this techniques for decades. We  are always looking for what’s next… trying to stay on or ahead of the leading edge and need ways to think outside he box.

The Super Thinking sessions share how we do this to live better…. using frequency modulation to be smarter… stronger…. more energetic… more aware, friendlier, compassionate, happier and healthier.

We are in our 45th year of business and we share what we have learned and where this is leading our activities in our upcoming seminar. Join us.

Spotting new trends and applying them to our micro business has brought us a strong and continual flow of income through good times and bad.  More importantly the process has been fulfilling…. beneficial to society and healthy.    Now you can benefit from the latest… and perhaps strongest… of all the trends we have stumbled upon.

Applying the concepts of super thinking to spotting trends over the past 45 years has helped thousands of our readers make and save millions.   The success of our readers has been a driving force in our lives yet we have always wanted to do more so continued looking deeper at ways we can share how to have income, stability, good health and contentment.

Join us to learn our most recent experiences and most advanced concepts and ideas.

Join Merri and me at our Super Thinking + Investing and Business Seminar – February 1-2-3 , 2013, Mt. Dora, Florida.

Enroll here $799.   Couple $999

There are two more Reasons to be in Mt. Dora February 1-2-3.   One is old time values.

The Lakeside Inn seen from Lake Dora.

130 years ago three local, and reasonably successful individuals, sitting around around one afternoon when one of them says “hey… lets build a hotel”.  The three agreed, plans were drawn up, materials were ordered and work began.  The year was 1883, Mount Dora was still called Royellou, Chester Arthur was President, and it would still be several years before the railroad would make its way in to town.   This leaves the Lakeside Inn as the oldest, continuously operated hotel in the State of Florida.   The Inn is just across the street from our meeting place and is celebrating its 130th Anniversary throughout 2013 with a number of special events and celebrations.

Mt. Dora Arts Festival.  This is is ranked in the top hundred art shows in the US. It’s a juried fine arts festival, for art lovers, casual festival-goers and families.

Downtown Mount Dora, with its New England architecture and breathtaking views of Lake Dora is the backdrop for this event. In addition to the endless rows of fine art, including oil paintings, watercolors, acrylics, clay, sculpture and photography, the festival features local and regional musical entertainment at a main stage in Donnelly Park.

The event draws over 300,000 visitors and features more than 285 artists from all over the world.Super Thinking + Investing and Business Seminar -

Join Merri and me at our Super Thinking + Investing and Business Seminar – February 1-2-3 , 2013, Mt. Dora, Florida.

Enroll here $799.   Couple $999

See  How to Attend this Seminar for $177 instead

Join Merri, me and the following speakers:

* Thomas Fischer of Jyske Bank, who will talk about International investing, forex, plus borrowing low to invest high.

* Rich Checkan of Asset Strategy who will update the state of the precious metals markets.

* Dr. Andres Cordova updating Ecuador real estate and monetary, residency and tax regulations.

* Dave and Sherry Johnson. How to turn $499 into 142,035 with Positive Community magazines in small towns.

* Shirley Peacock.  Lake County real estate.

* Mike McDonald. Aegis Capital Corp.

* Lou Shinamin. Ruggie Wealth

* Larry Grossman. Sovereign Pension Management.

Join Merri and me at our Super Thinking + Investing and Business Seminar – February 1-2-3 , 2013, Mt. Dora, Florida.

Enroll here $799.   Couple $999

See  How to Attend this Seminar for $177 instead

Warren Buffet’s description of investment types at Fortune.finance

Let’s examine international investing & micro business in the fourth dimension.

Here is an excerpt from our upcoming lesson in our Self Publishing 202 – Tidbits on Kindle a real time online course built on how we are developing our publishing business via Amazon.com.

The Excerpt begins here:

Self Publishing 202… Tidbits on Kindle

Lesson Five:  Our Kindle Plan Using Authenticity

This lesson looks at our current Kindle plan and shows why authenticity is one of the most powerful and lasting assets your self publishing business can have.

Photos can help develop authenticity but currently do not fit into our Kindle publications but photos do fit into our overall plan.

Often readers ask about our photos.  How we get them and what processes we use.  I carry my small pocket camera everywhere and shoot relevant shots when visual cues I see create publishing ideas.  This makes it easy to incorporate the photo into the message theme.

Pictures are important in publishing.  Studies have shown that pictures with relevance in online articles help strengthen the message… but fluff generic shots reduce effectiveness.

This is a reminder of the importance of authenticity.

This looks at the importance of authenticity in your Kindle (and all) publications (and all business as a matter of fact). Then we’ll look at how authenticity has helped Merri and me earn for 43 years, year in and year out, through good time and bad in our publishing and international business.

Authenticity is especially important for a micro businesses because small does not have the market acceptance that huge expenditures on brand advertising  can provide to a big business.

A micro business may offer a service that is more honest… less expensive and better than a big business… but the micro business cannot compete head on with a multi million dollar advertising budget that a big business will have.

In this era of transition being small is a benefit because:

#1: Micro businesses do not have to factor in ad costs so much.

#2: Micro business can be authentic more easily.  Developing a corporate culture is difficult.

#3: Technology has made it easier to run a small business at the same time it is eroding the power of broadcast and erasing the dimensions of time and space.

Technology is also eroding the three dimensions of height, width and depth.

In the old era the maxim… a picture is worth a thousand words was because we believed in what we saw.  No longer!  Digital photography has erased the authenticity of photography and shifted it further from a science to an art form.

Recently one of the messages at our website had a photo I shot of a blue heron in our front yard.

A reader wrote this and commented that it looked more like a painting rather than photograph.  That’s in part because even on my Mac Book Pro, the simple iPhoto allows me to change the colors and textures of this shot.

After posting a scan of a really old Hong Kong photo of me with my sales team from the 1960s, a reader sent me…

this upgrade.

Technology has reduced the dimensions of time and space…but in addition it has eroded the dimension of truth.  This is a huge  groundswell shift which can create all kinds of business and publishing opportunity.

A September 3, 2011 Economist article entitled “Cameras get cleverer confirms this shift and says:  New approaches to photography treat it as a branch of computing as well as optics, making possible a range of new tricks.

Photography can trace its roots to the camera obscura, the optical principles of which were understood as early as the 5th century BC. Latin for a darkened chamber, it was just that: a shrouded box or room with a pinhole at one end through which light from the outside was projected onto a screen inside, displaying an inverted image. This, you might think, is a world away from modern digital cameras, brimming with fancy electronics which capture the wavelengths and intensity of light to produce high-resolution digital files. But the basic idea of focusing rays through an aperture onto a two-dimensional surface remains the same.

Now a novel approach to photographic imaging is making its way into cameras and smartphones. Computational photography, a subdiscipline of computer graphics, does not simply capture single images. The basic premise is to use multiple exposures, or multiple lenses, to capture information from which photographs may be derived. These data contains myriad potential pictures which software then converts into what looks like a conventional photo. More computer animation than a pinhole camera, in other words, though using real light refracted through a lens rather than the virtual sort.

In June this year Ren Ng, a former student of Dr. Levoy’s at Stanford, launched a new company called Lytro, promising to start selling an affordable snapshot camera later this year.

Dr. Ng has figured out a way to capture lots of images simultaneously. This approach is known as light-field photography, and Lytro’s camera will be its first commercial incarnation. In physics, a light field describes the direction of all the idealised light rays passing through an area. Dr. Levoy’s and Dr. Hanrahan’s seminal paper described a new way to model this field mathematically. Now, 15 years later, Dr. Ng has worked out how to implement the technique using off-the-shelf chips.

Dr. Ng’s camera uses an array of several hundred thousand microlenses inserted between an ordinary camera lens and digital image sensor. Each microlens functions as a kind of superpixel. A typical camera works by recording where light strikes the focal plane—the area onto which rays passing through a lens are captured.

Shoot first, refocus later.

For now, though, Lytro is targeting internet photo-sharers. It will let owners of its camera upload the image data and the processing tools to Facebook and other social networks. The firm has reportedly already raised $50m. Investors must be hoping that consumers find all the irritants that Lytro’s camera removes, like blurred or dim pictures, niggling enough to want them eliminated once and for all from their holiday snaps.

These changes in photography alter business and how it will move forward in ways we can only just begin to understand.

Here is how we are expanding our Amazon.com publications… why we will not use photos in these publications.. but how photos play a huge role in expanding income for the overall…. beyond Amazon.com plan.

(End of excerpt)

You can learn more about how to earn income publishing Kindle books on Amazon.com here.

Changes in photography show why most investors and businesses have huge risks from change.

When we think about photography we can understand risk from change better.  Look at what has happened to investments in Xerox or Kodak… businesses that did not change with technology.

Kodak share chart from www.finance.yahoo.com

Xerox share chart.

Even leading edge businesses like Netflix are having hickups keeping pace.

This firm is trying to shift its focus from CD to streaming and has lost 57% of its share value this year and over half its share price in the past year as this chart of the Netflix share price shows.

Amazon.com and Hulu are wiping up on Netflix right now.

One way to overcome the risk of change is to make venture investments in companies like Lytro… the light-field camera makers. See a link to Lytro’s which is financed so far by private placement only but watch for this technology opportunity and see a link to Lytro’s website below.

Another way is to stay well diversified and be ready to shift your asset classes like  JGAM does for me and many readers of this site.  JGAM’s latest Portfolio outlines the the importance of staying on top of market shifts and adapting to change.

JGAM wrote: On 14 September, JGAM’s Investment Committee held an ad hoc meeting deciding to make use of a rebound in the stock and corporate bond market to sell securities and thereby unload risk. The decisions have been carried out and we are now underweight on all asset classes except cash (US dollar) and alternatives (gold and grains).

The world’s leading central banks have intervened and is now supporting European banks with unlimited US dollar (USD) funding. See our Market Update on 16 September for details on this. It’s our interpretation that this action from central banks underlines the seriousness of the situation in Europe and that unlimited liquidity does not solve the fundamental problem that many European banks will become insolvent if or when Greece defaults on its sovereign debt. A default could cause another financial crisis similar to the one we experienced in 2008.

In 2008, the financial crisis caused risky corporate bonds to take a severe hit. Some bonds tumbled more than 80%! We want to protect our clients against a similar scenario and therefore, we have sold the following risky bonds, mainly high yielding corporate bonds issued in euro (EUR); Auto-Teile-Unger 2014 (EUR), Mobile Tele 2012 (USD), Bombardier 2016 (EUR), AP Moeller-Maersk 2014 (EUR), Gaz Capital 2014 (EUR) and Republic of South Africa 2013 (EUR).

Furthermore, we have made some adjustments in the equity part of the portfolios, reducing risk exposure by selling the following mainly cyclical and/or EUR exposed stocks; Neurosearch, Bayer, Telefonica, Toshiba, Suez Environment, Cisco and iShares MSCI Asia.

Finally, we have changed the loan mix on leveraged portfolios from a mix of yen (JPY), USD and EUR to a 100% EUR funding. We expect EUR to depreciate if or when Greece default.

To us, it’s no longer a question whether Greece will default, the question is when. Central banks and other policymakers are trying to buy time and postpone the default in order to give European banks sufficient time to become enough capitalized to be able to survive another financial crisis. We have now protected your portfolios better against the rising and already high risk that this risk scenario will play out.

Learn how JGAM can hep you invest to protect against the risks of change by contacting Thomas Fischer at Fischer@jgam.com  

Gary

Join Merri and me with Thomas Fischer this October in North Carolina.  See how to invest and earn into 2012.

Quantum Thinking for Everlasting Wealth Seminar

Quantum Thinking for Everlasting Wealth Seminar.   How to retire from the rat race… at any age.  Where the writing, business and reading world meet.

Gary Scott teaching delegates about quantum wealth.

Learn Quantum Thinking & How to Have Everlasting Wealth with Gary and Merri Scott.

These special seminars look far beyond creating or improving your own business for income.  They begin with a global economic update that helps integrate thinking of the past with the here and now of global economics.

Learn how to integrate your brain waves so you become smarter and how to gain never ending income by continually spotting contrasts distortions and trends.

The seminar is divided into three sessions.

Each session builds on the next to help you learn how to gain freedom, remove stress and earn more by combining powerful tools of thoughts and business action

Sessions One:  Our global World present past and future… seen from outside the box.

Sessions Two: How to have quantum wealth and health with more intelligence with whole brain thinking through “Frequency Modulation.Saturday –  How to Write.

Session Three:  International Micro Business – “How to Have a Global Income “.

This seminar provides a learning funnel that integrates your personal desires, skills and circumstances to current and historical global economic realities.

Here is what you learn:

* Global economic history  - how this combines with each business’s past… future… interest, skills and knowledge. 

The historical review sees  current markets for writers based around economic cycles as outlined first by Russian economist, Nikolai Kondratiev, who proposed a theory that Western capitalist economies have long term (50 to 60 years) cycles of boom followed by depression. These business cycles are to this day called “Kondratiev Waves”.

Kondratiev’s thoughts were refined  by Austrian economist, Joseph Shumpeter, which we have extensively researched and follow the global economy (and US stock market) and how it has moved through a series of bull…. and then a bear (a period of no growth) cycles that each run around 15 year bull as shown in this graph below.

These stock market bull and bear cycles are based on cycles of human interaction, war, technology and productivity.

These cycles are a driving force in the creation of  opportunity.

These cycles are intricately connected with the new waves of productivity that grow from the great human platform of combat. The cycle goes like this.

An economic downturn enhances a war or threat of war. Struggles for survival in the war (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.

Each new invention helped win a war.  Shifting the technology to domestic use… after the war… created a boom.

Each boom leads to excess.

Each excess led to a correction.  The correction creates an economic downturn.

The economic downturn enhances a war or threat of war.

The global economy is currently in a major correction cycle… at the correct time and we should expect that a war (or some major struggle of the epoch or threat of war such as the Cold War) should begin to build!   This latest downturn started almost exactly (1998), 16 years after the last boom began (1982)…which began after the last great human struggle called the Cold War that lasted about a decade when the Soviet Union collapsed.

If the cycle repeats, the struggle should build now due to the poor economy.  If the cycles repeat then the bottom is around 2012-2013.  Everything will seem bleakest… darkest… blackest.

This will be the best time of all in decades to invest!

The epoch of the Cold War fought Maggie Thatcher and Ronnie Reagan fought the evil empire (1981 to 1989).  The war was won when the Berlin Wall came down in 1989 and the Soviet Empire dissolved in 1991. That war created an arms race that created new technology including internet.

The economic war that follows the boom comes from the domestication of technology developed during the struggle.

The technological burst off WWIII accelerated when access to the ARPANET was expanded in 1981 by the National Science Foundation (NSF) which developed the Computer Science Network (CSNET) providing access to supercomputer sites in the United States from research and education organizations.

In 1982 the Internet Protocol Suite (TCP/IP) was standardized and the concept of a world-wide network of fully interconnected TCP/IP networks called the Internet was introduced. Commercial internet service providers (ISPs) began to emerge in the late 1980s and 1990s.

The dot-com bubble (also referred to as the Internet bubble and the Information Technology Bubble) was the post war boom, a speculative bubble covering roughly 1995–2000.

The next step is to decide where this cycle is and how this creates business opportunity through distortions, contrasts and trends.

Contrasts and distortions in currencies, markets and social and demographic shifts to spots trends.

For example we look at how each new wave of technology creates new problems.  Shifts from WWII included increased fertilization in farming and more women at work.  This caused dietary differences in the American family that led to an explosion of health food stores.

* Problems & Trends Create Income Possibilities

Surprisingly the inventors of Graham Crackers and Kellogg Corn Flakes were among some of the first to spur an interest in health food so in the 1920s and 1930s health food stores did start to open in the USA selling products such as blackstrap molasses and brewer’s yeast.  However health food stores as we know them did not start to boom until the 1960s in connection to the newly emerging ecology movement and counterculture to modern living, intense fertilization, pesticides, women at work, etc.

Image the wealth you would have gained  writing about that trend coming!

We  explore potential counter cultures created by the internet… a WWIII technology… that could erupt and ways to write and do business based on this.

We pay special attention to economic distortions.  Distortions create writing opportunities because your micro business is the best investment you can make backed by your own time, effort and energy.

Quantum Thinking For Everlasting Wealth Seminar – October 5-6-7, 2012 West Jefferson, North Carolina.

Join Merri and me. Enroll here $799.   Couple $999

Another session in the seminar shows “How to have an international micro business.”  These sessions are highly practical and usable. They focus on how to use modern technology to start global micro businesses with minimal investments of time and capital.

By starting small and building with stepping stones and a harmonious focus, Merri and I have learned how to almost own several profit generating phrases at Google.  We, along with our webmaster David Cross share the secrets of how you can use words to create your own global income as well.

The seminar shares how we use 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.

We use this system successfully on the internet and share what we do with you as we look at ways you too can have a high income generating business… even if you never leave your home.

This knowledge has really helped previous course delegates. Here is what one previous delegate just shared:

“Gary , I have been working on my website, healthy-holistic-living.com site and I figure it is time for another update. It is really hard to believe it, but my site just keeps growing and growing and I am now averaging 2000 visitors per day!

“What I find to be most amazing is that in just a few short months my site is #1 out of over a million sites and sometimes even millions of sites! As you always say the internet is the ‘Great Equalizer’ anybody given the right tools can compete on the internet.“Below are some of my search results. I only listed GOOGLE and YAHOO but you can find similar results on both MSN and ASK.com.

GOOGLE:

#1 out of 1,190,000 …………………………“definition healthy spirit “

#1 and #2 out of 1,210,000.………………….“benefits to living a holistic life “

#1 out of 1,260,000 …………………………“gaining a healthy mind “

#1 and #2 out of 1,260,000 …………………“benefits to living a holistic life “

#2 out of 935,000 …………………………..“holistic lifestyle tips “

You will learn how to use the same system to expand (or start) your business globally!

This is a perfect era to increase your wealth and improve your lifestyle as you reduce stress with your own a micro writing self publishing business.

Merri and I enjoy having an international internet business and it is doing well.  Almost every month our internet business sales are higher than they were in the same month a year before.

We are very thankful to be one of the most read sites in Ecuador and do very well in the US and Canada too.

May we share our experiences to help you learn how to enjoy this satisfaction and success through your micro business?

Here is a recent ranking of just one of our five websites.

This ranking from Alexa.com shows how our site is in the top 16,000 web sites in America, top 8,000 in Canada and top 500 in Ecuador.  There is more.  While many suffered in 2007, 2008 and 2009, the recession caused our internet business to grow.

Our seminar helps you learn how to use the same tactics we use… in your micro business.

Our sales doubled during the recession.  Our list of readers increased over 100%.  Since the economy picked up our business growth has slowed but business is still growing. This is how good, value oriented business grow by the way.

Value oriented micro businesses should increase steadily in good times.  They do not get caught overextending in euphoria. Then during bad times they are in a position to do really well! 

Knowing the micro business philosophies we follow can help you use the internet in business if you desire.

The Western economy has changed… probably forever.  The old ways are gone and those who held jobs… or still have work in the private sector have lost the most.

The economy will recover… but the way people earn and work… and how the money is distributed and to whom especially… has been profoundly altered.  This is especially true in value added countries like Canada… the USA and most of Europe.

We are in an era of global structural change… in economics… in society and in the way we work because technology brings us low cost administration, low cost access to data, low cost communication, and low cost travel, plus the opening of markets beyond logic that rely more on passion and experience than on efficiency and cost.

We look at these economic and structural changes, and what to do about them in the business portion of our seminar.

We’ll see how markets are shifting from materialistic needs to emotional needs.

We’ll see great opportunity for writers in the following markets:

Love-friendship-control-freedom-tradition-change-big answers-recognition and care. These are emotional needs that create expanding demand and business opportunity. The next generation is having more involvement in every step of the buying process.  Uniting the body and mind is an emerging market.  Natural physical health, fitness will expand but botox and insulin sales will also grow.

Mental health, retreats and spas prosper.  The health of the planet is becoming a more important business.There is a shift of emphasis from GDP to GWB  (General Wellness Barometer Happiness Factor).  Business will operate with more passion.

Learn about other business possibilities…

In the global micro business sessions we’ll see ideas on how to:

* Create export businesses

* Self Publishing/Writing

* Internet Sales

* Ecuador Business Ideas

* Organic Business Ideas

* Health Business Ideas

* Ideas for Cuban Business

Quantum Thinking For Everlasting Wealth Seminar – October 5-6-7, 2012 West Jefferson, North Carolina.

Join Merri and me. Enroll here $799.   Couple $999

The educational program Merri and I have developed uses a different form of frequency modulation that opens enormous opportunity for expansion, understanding, peacefulness as well as greater wealth.

FM teaching uses frequency (in music and with each sense… sight…. smell, tactile and even smell) 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.

FM creates relaxed concentration… a key to happiness, health and success.

You learn whole brain thinking that can help improve your freedom, satisfaction and income through business.

This part of the seminar helps us integrate their brain waves so they are more intelligent, intuitive and relaxed.

This workshop shows how to get into and stay in a state of relaxed concentration… a mental state shown to enhance almost every human capability… especially writing.

Merri and I are explorers so we have used this techniques for decades. We  are always looking for what’s next… trying to stay on or ahead of the leading edge and need ways to think outside he box..

This journey has helped us alter the main mission in our lives again and again… every seven to 14 years.

The Quantum Wealth Frequency Modulation sessions share ideas on how to live better…. using frequency modulation to be smarter… stronger…. more energetic… and healthier.

Most of us have never so many problems that create opportunity as those that face us now.  A growing global population… depletion of natural resources and technology are bring social and financial shifts at a pace never seen before.

These shifts will rob many of their financial well being, but fortunately the same technology that is creating the change can also help you gain prosperity like you have never imagined.  We look forward to sharing these riches with you.

We are in our 44th year of business and we share what we have learned and where this is leading our activities in our upcoming seminar. Join us.

Each seminar updates how we doing business globally, and even how we are investing… and why… right now. Join Merri, me

Spotting new trends and applying them to our micro business has brought us a strong and continual flow of income. More importantly the process has been fulfilling…. beneficial to society and healthy.    Now you can benefit from the latest… and perhaps strongest… of all the trends we have stumbled upon.

Applying the concepts of quantum thinking to spotting trends over the past 44 years has helped thousands of our readers make and save millions.   The success of our readers has been a driving force in our lives yet we have always wanted to do more so continued looking deeper at ways we can share how to have income, stability, good health and contentment.

Join us to learn our most recent experiences and most advanced concepts and ideas.

Quantum Thinking For Everlasting Wealth Seminar – October 5-6-7, 2012 West Jefferson, North Carolina.

Join Merri and me. Enroll here $799.   Couple $999

See Lytro’s web site:

A September 3, 2011 Economist article entitled “Cameras get cleverer

Three multi currency lessons on global investing can help us thrive during this current economic shift.

Our decades long research in 30 year market trends predicted some time ago that the worst emotional time for stock market investors in the past 15 years years would be about now. This is the darkest hour… just before the light at the end of the tunnel appears.

Financial markets are in turmoil and opportunity has never been greater.

Many summer mornings start my day like this in my…

summer office, checking the Asian and European markets as I enjoy the awakening of…

dawn.

Cup of coffee in hand, I look at three multi currency lessons on how to thrive in turmoil.  We’ll see the three multi currncy lessons in a moment.

First. here is what I do from my front porch.

To begin I take a look at bond markets.  During times of panic, investors shy away from some really good bonds. The spreads widen enormously. In other words, the cost of a bond is much more than what you can sell it for.  Wednesday’s message Multi Currency Bargains because of this factor looked at some pretty good bonds that might pay as much  27% in the next year.

Now the bonds may even earn more!

My first action of the morning is to check with my JGAM personal investment adviser to see how is the bond spreads have continued to widen.

They have!  my adviser wrote:  Dear Gary, the spreads are still widening. Jyske Bank’s bond department have not published the corporate bond recommendation list for the last couple of days. When they are through updating prices the market has moved and the prices are already wrong. You can trade the higher end of the high yield market (BB and so), but the low end of the high yield have no bid prices but we might be able to find bonds for sale.   Kind regards.

This means that huge values are being created in bonds.

The first lesson on how to benefit from shifts and change is that multi currency diversification helps you thrive during turbulence.

Yesterday morning the dawn message (shown in this August 11, 2011 Financial Times.com chart) was that as Wall Street Collapsed, the Asian…

markets thrived.

This porch view allows me to watch the forest come alive and yet also take a quick glance around the world. Yesterday’s New York Times headline was an article entitled “Financial Turmoil Evokes Comparison to 2008 Crisis” by Nelson D.  Schwartz. The banner read:  Stocks are plummeting. The economy is slowing. Politicians seek solutions but can’t agree. Is 2011′s turmoil a repeat of the financial crisis of 2008?

The Wall Street Journal headline entitled “European Stocks Rise” said European stocks markets opened higher as market participants used recent losses in global equities as an excuse to snap up bargains. The Financial Times front page article “Asia Today” proclaimed: Yuan on the Rise.

These global financial insights confirm the importance of having a global view.  International diversification allows you to balance your savings and investments so they are not caught and stuck in the gloom of any one country.

Seek Value

Looking for good value is always the way to protect purchasing power and modern technology makes the search easy.

For example I track the investment portfolios of the State Street Global Advantage mutual funds which use the market value of Keppler Asset Management. Keppler, a friend for decades, is one of the best market value analysts I know. Frankly he is such a mathematical genius that I (who was stumped even by high school algebra) have a hard time understanding his statistics.  What I can easily see though is how investment managers from State Street (one of the largest fund managers in the world)  manage to translate Keppler’s data into good value investments in shares.

I simply look at their country diversification and the main shares they choose in their portfolio.

For example in the State Street Global Advantage High Value Major Market Fund the…

main spread is in Germany, France, the UK, France, Austria and Italy well before (and much more) than the USA.

You can also see the fund’s top ten investments… like Erste Group Bank AG and ENI S.p. A., an easy way to find good value shares that might enhance your portfolio too.

State Street also has a Global Advantage High Value Emerging Market Fund so from my front porch deep in the Blue Ridge woods I can gain ideas on how to…

diversify globally in emerging markets.

This is important to know because these funds have strongly outperformed the Morgan Stanley Capital Index Total Return ND Index… an index that represents share movements around the world.

The green line shows the State Street Global Advantage High Value Major Market fund performance and the grey, the Morgan Stanley Capital Index Total Return ND Index.

You can see the annual performance of the major market fund (versus the MSCI Index) here:

Plus we can see how emerging markets have offered so much more opportunity than major markets in the past five years!

Non Americans can get information about these funds at the addresses below.

Though State Street is a US company these funds are not available to Americans.  Americans can get information about how to buy shares like those in the fund and how to have a multi currency portfolio from Jyske Global Asset Management.  Thomas Fischer the JGAM Sr. VP can be reached at fischer@jgam.com

The Three Lessons

Multi Currency Lesson #1: Diversify in multi currency bonds as well as shares.

Multi Currency Lesson #2:  Investing in good value during bad times creates the greatest returns of all.  Those who picked up good value major market shares in 2008 (when the market fell by half) saw growth of 29.15% in 2009 and 12.29% in 2010.

Multi Currency Lesson #3:  Embrace change and invest in risk the market perceives.  Those who invested in what was viewed as risker emerging markets in 2008… earned  59.50% and 23.65% in 2009 and 2010.

Final Lesson

There is one more lesson.  While so many are trumpeting doom and gloom…while gold is skyrocketing due to market fear, we can do what a century ago… even kings could not imagine.  Sitting on a porch with a pastoral and global view… ignoring all dimensions of time and space…. I listen to the barn owl mourning “the end of night” as I visit China.  The hens cluck awake and the rooster crows as my research moves into Europe and the UK.  The sun rises brilliant and in peace I watch New York’s action unfold and… realize what incredible privileges that we have in this modern world!  Let’s don’t forget what this is!

Those who invest calmly during panic can thrive.

Gary

Join Merri, me and Thomas Fischer from Jyske Global Asset Management for the Blue Ridge leaf change and a global multi currency update at our  October 7-9, 2011 International Investing and Business Seminar

See the new 2012 Ecuador real estate tour schedule

Jan. 19-20-21 Cuenca real estate tours
Jan. 23-24-25 Coastal real estate tours

Feb. 16-17-18 Cuenca
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I recently received two international investing ideas on how to have steady wealth!  They may help you embrace the future more successfully with international investments and business as the global economy shifts.

Above one way I use is to study in quietness the turbulence!

The New York Times breaking news yesterday was enough to make most international investors and businesses cringe:  The story said: Markets Tumble as Signs Point to Weak Global Economy

The stock market fell sharply Thursday on intensifying investor fears about a slowdown in global economic growth and worries about Europe’s ongoing debt crisis, which is centered now on Italy and Spain.

As Japan intervened to weaken its currency and European stock markets turned negative across the board, United States stocks fell by around 3 percent in morning trading in New York.

A fear haunting markets in the United States is that the economy may be heading for a double-dip recession. Although the fractious debt ceiling debate is now past, markets fear spending cuts and weaker economic data point to a weaker economy. The latest weekly jobless data Thursday again showed the economy was still fragile.

How can we move ahead in such a turbulent world?

Three recent notes I received provide some clues on how to have everlasting success despite economic ups and downs.

One note said: Gary, I was living in New York in the 1980s when I heard about you, and started to follow your precious advice.  I opened an account at the Jyske Bank in Denmark, and everything went very well. I still remember when you were planning to buy real estate in North Carolina.  I was student at the NYU and I graduated in Dentistry, had a successful Dental practice and am retired now, living in Brazil.  I lost contact with you but now want to continue my education with you.  So, I owe you so much, and I am sending you this message to THANK YOU VERY MUCH AND GOD BLESS YOU AND YOUR FAMILY.  Sincerely,

Another reader wrote yesterday: I have so enjoyed your emails for 2 or 3 years now, they have become the highlight of my day.  They give me “hope” and a dream.

Another recently wrote:  “Hi Merri. I am looking forward to meeting you both again. Had met in Niagara in the 1980s. Thanks.”

Here are three valuable thoughts we can gain from these kind words about the past that can help us invest and do business in the future.

Thought #1: Be steady.  Please excuse me for bragging  but was I ever impressed with myself with those thank you words!  Any such blessing from a reader is wonderful but… serving a reader who began in university, built his career and has now retired… yet still finds I can help.  Wow! Did that make me feel good!

Buddha at our North Carolina farm overlooks our…

steady rock.

Actually good is not the right word.  Merri and I are just steady.

Steadiness or focus is a universal  foundation that we can all tap into.  The best way to gain this power is to do something you love… that you deeply believe in… and that rewards you in some fulfilling way.

There is a great article entitled “The Power Of Steadiness Or Immobility” at the virtualsynapses site (see a link below).

Here is an excerpt: The power of steadiness or immobility is one of the many siddhis (spiritual powers) described in the Vibhuti Pada (Book III) of the Yoga Sutras of Patanjali. Have you ever wondered why many tales about yogis, saints, and buddhas describe how these spiritual masters can sit in meditation for hours and even days at a time without being disturbed by any external distractions? One of my favorite stories is about the Buddha. It is said that when Siddharta Gautama reached enlightenment, he spent a whole week in front of a tree, gazing at it with gratitude and his eyes fully opened the whole time. A shrine was later erected on the spot where he stood and the tree is famously known today as the Bodhi Tree.

This is a law of Nature. When we strive to act, the forces of Nature do their will with us; when we grow still, we become their master.

Thought #1: “Be steady in your investing and business”.  As the world becomes noisier, become quieter.  Be still, even when many around you try to move you in directions that are not good and usually not in your best interest.

Thought #2: Look for progressive innovative, unique opportunities in investing and in business.  From this quiet steadiness, progressive action will flow.  You’ll be able to see and follow the currents and rapids of life.  In many ways Merri’s and my business remains extremely steady… exactly as it has been for 30 years… publishing information that we hope will help readers do what they love in a global way.   In many other ways our action has evolved… from paper to electronic… from mail to internet… from emerging markets to resources… from the city to the farm.

Thought #3: Work with solid people you like.  We have maintained strategic relationships with Jyske Bank… with several attorneys…  with several publishers… with several investing advisers for nearly 30 years. Not only has their advice and assistance been invaluable… but the satisfaction of working with like minded souls whom we really enjoy being around is one of the greatest benefits one can enjoy.

With this thought we have begun adding telephone interviews with our steady friends.  We are making phone interviews with our most valuable contacts a regular affair so we can share steady global ideas with you.

I just completed another interview with Thomas Fischer Sr VP with Jyske Global Asset Management. You can hear it here.

Click to hear the latest Thomas Fischer Interview

What tomorrow brings I am not sure… but we’ll be sharing with you at this site… our thoughts and those of good, steady thoughts, ideas, people who can assist you in doing what you love in a global way.

Gary

Meet Thomas Fischer at our upcoming International Investing & Business Seminar.

Quantum Thinking for Everlasting Wealth Seminar

Quantum Thinking for Everlasting Wealth Seminar.   How to retire from the rat race… at any age.  Where the writing, business and reading world meet.

Gary Scott teaching delegates about quantum wealth.

Learn Quantum Thinking & How to Have Everlasting Wealth with Gary and Merri Scott.

These special seminars look far beyond creating or improving your own business for income.  They begin with a global economic update that helps integrate thinking of the past with the here and now of global economics.

Learn how to integrate your brain waves so you become smarter and how to gain never ending income by continually spotting contrasts distortions and trends.

The seminar is divided into three sessions.

Each session builds on the next to help you learn how to gain freedom, remove stress and earn more by combining powerful tools of thoughts and business action

Sessions One:  Our global World present past and future… seen from outside the box.

Sessions Two: How to have quantum wealth and health with more intelligence with whole brain thinking through “Frequency Modulation.Saturday –  How to Write.

Session Three:  International Micro Business – “How to Have a Global Income “.

This seminar provides a learning funnel that integrates your personal desires, skills and circumstances to current and historical global economic realities.

Here is what you learn:

* Global economic history  - how this combines with each business’s past… future… interest, skills and knowledge. 

The historical review sees  current markets for writers based around economic cycles as outlined first by Russian economist, Nikolai Kondratiev, who proposed a theory that Western capitalist economies have long term (50 to 60 years) cycles of boom followed by depression. These business cycles are to this day called “Kondratiev Waves”.

Kondratiev’s thoughts were refined  by Austrian economist, Joseph Shumpeter, which we have extensively researched and follow the global economy (and US stock market) and how it has moved through a series of bull…. and then a bear (a period of no growth) cycles that each run around 15 year bull as shown in this graph below.

These stock market bull and bear cycles are based on cycles of human interaction, war, technology and productivity.

These cycles are a driving force in the creation of  opportunity.

These cycles are intricately connected with the new waves of productivity that grow from the great human platform of combat. The cycle goes like this.

An economic downturn enhances a war or threat of war. Struggles for survival in the war (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.

Each new invention helped win a war.  Shifting the technology to domestic use… after the war… created a boom.

Each boom leads to excess.

Each excess led to a correction.  The correction creates an economic downturn.

The economic downturn enhances a war or threat of war.

The global economy is currently in a major correction cycle… at the correct time and we should expect that a war (or some major struggle of the epoch or threat of war such as the Cold War) should begin to build!   This latest downturn started almost exactly (1998), 16 years after the last boom began (1982)…which began after the last great human struggle called the Cold War that lasted about a decade when the Soviet Union collapsed.

If the cycle repeats, the struggle should build now due to the poor economy.  If the cycles repeat then the bottom is around 2012-2013.  Everything will seem bleakest… darkest… blackest.

This will be the best time of all in decades to invest!

The epoch of the Cold War fought Maggie Thatcher and Ronnie Reagan fought the evil empire (1981 to 1989).  The war was won when the Berlin Wall came down in 1989 and the Soviet Empire dissolved in 1991. That war created an arms race that created new technology including internet.

The economic war that follows the boom comes from the domestication of technology developed during the struggle.

The technological burst off WWIII accelerated when access to the ARPANET was expanded in 1981 by the National Science Foundation (NSF) which developed the Computer Science Network (CSNET) providing access to supercomputer sites in the United States from research and education organizations.

In 1982 the Internet Protocol Suite (TCP/IP) was standardized and the concept of a world-wide network of fully interconnected TCP/IP networks called the Internet was introduced. Commercial internet service providers (ISPs) began to emerge in the late 1980s and 1990s.

The dot-com bubble (also referred to as the Internet bubble and the Information Technology Bubble) was the post war boom, a speculative bubble covering roughly 1995–2000.

The next step is to decide where this cycle is and how this creates business opportunity through distortions, contrasts and trends.

Contrasts and distortions in currencies, markets and social and demographic shifts to spots trends.

For example we look at how each new wave of technology creates new problems.  Shifts from WWII included increased fertilization in farming and more women at work.  This caused dietary differences in the American family that led to an explosion of health food stores.

* Problems & Trends Create Income Possibilities

Surprisingly the inventors of Graham Crackers and Kellogg Corn Flakes were among some of the first to spur an interest in health food so in the 1920s and 1930s health food stores did start to open in the USA selling products such as blackstrap molasses and brewer’s yeast.  However health food stores as we know them did not start to boom until the 1960s in connection to the newly emerging ecology movement and counterculture to modern living, intense fertilization, pesticides, women at work, etc.

Image the wealth you would have gained  writing about that trend coming!

We  explore potential counter cultures created by the internet… a WWIII technology… that could erupt and ways to write and do business based on this.

We pay special attention to economic distortions.  Distortions create writing opportunities because your micro business is the best investment you can make backed by your own time, effort and energy.

Quantum Thinking For Everlasting Wealth Seminar – October 5-6-7, 2012 West Jefferson, North Carolina.

Join Merri and me. Enroll here $799.   Couple $999

Another session in the seminar shows “How to have an international micro business.”  These sessions are highly practical and usable. They focus on how to use modern technology to start global micro businesses with minimal investments of time and capital.

By starting small and building with stepping stones and a harmonious focus, Merri and I have learned how to almost own several profit generating phrases at Google.  We, along with our webmaster David Cross share the secrets of how you can use words to create your own global income as well.

The seminar shares how we use 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.

We use this system successfully on the internet and share what we do with you as we look at ways you too can have a high income generating business… even if you never leave your home.

This knowledge has really helped previous course delegates. Here is what one previous delegate just shared:

“Gary , I have been working on my website, healthy-holistic-living.com site and I figure it is time for another update. It is really hard to believe it, but my site just keeps growing and growing and I am now averaging 2000 visitors per day!

“What I find to be most amazing is that in just a few short months my site is #1 out of over a million sites and sometimes even millions of sites! As you always say the internet is the ‘Great Equalizer’ anybody given the right tools can compete on the internet.“Below are some of my search results. I only listed GOOGLE and YAHOO but you can find similar results on both MSN and ASK.com.

GOOGLE:

#1 out of 1,190,000 …………………………“definition healthy spirit “

#1 and #2 out of 1,210,000.………………….“benefits to living a holistic life “

#1 out of 1,260,000 …………………………“gaining a healthy mind “

#1 and #2 out of 1,260,000 …………………“benefits to living a holistic life “

#2 out of 935,000 …………………………..“holistic lifestyle tips “

You will learn how to use the same system to expand (or start) your business globally!

This is a perfect era to increase your wealth and improve your lifestyle as you reduce stress with your own a micro writing self publishing business.

Merri and I enjoy having an international internet business and it is doing well.  Almost every month our internet business sales are higher than they were in the same month a year before.

We are very thankful to be one of the most read sites in Ecuador and do very well in the US and Canada too.

May we share our experiences to help you learn how to enjoy this satisfaction and success through your micro business?

Here is a recent ranking of just one of our five websites.

This ranking from Alexa.com shows how our site is in the top 16,000 web sites in America, top 8,000 in Canada and top 500 in Ecuador.  There is more.  While many suffered in 2007, 2008 and 2009, the recession caused our internet business to grow.

Our seminar helps you learn how to use the same tactics we use… in your micro business.

Our sales doubled during the recession.  Our list of readers increased over 100%.  Since the economy picked up our business growth has slowed but business is still growing. This is how good, value oriented business grow by the way.

Value oriented micro businesses should increase steadily in good times.  They do not get caught overextending in euphoria. Then during bad times they are in a position to do really well! 

Knowing the micro business philosophies we follow can help you use the internet in business if you desire.

The Western economy has changed… probably forever.  The old ways are gone and those who held jobs… or still have work in the private sector have lost the most.

The economy will recover… but the way people earn and work… and how the money is distributed and to whom especially… has been profoundly altered.  This is especially true in value added countries like Canada… the USA and most of Europe.

We are in an era of global structural change… in economics… in society and in the way we work because technology brings us low cost administration, low cost access to data, low cost communication, and low cost travel, plus the opening of markets beyond logic that rely more on passion and experience than on efficiency and cost.

We look at these economic and structural changes, and what to do about them in the business portion of our seminar.

We’ll see how markets are shifting from materialistic needs to emotional needs.

We’ll see great opportunity for writers in the following markets:

Love-friendship-control-freedom-tradition-change-big answers-recognition and care. These are emotional needs that create expanding demand and business opportunity. The next generation is having more involvement in every step of the buying process.  Uniting the body and mind is an emerging market.  Natural physical health, fitness will expand but botox and insulin sales will also grow.

Mental health, retreats and spas prosper.  The health of the planet is becoming a more important business.There is a shift of emphasis from GDP to GWB  (General Wellness Barometer Happiness Factor).  Business will operate with more passion.

Learn about other business possibilities…

In the global micro business sessions we’ll see ideas on how to:

* Create export businesses

* Self Publishing/Writing

* Internet Sales

* Ecuador Business Ideas

* Organic Business Ideas

* Health Business Ideas

* Ideas for Cuban Business

Quantum Thinking For Everlasting Wealth Seminar – October 5-6-7, 2012 West Jefferson, North Carolina.

Join Merri and me. Enroll here $799.   Couple $999

The educational program Merri and I have developed uses a different form of frequency modulation that opens enormous opportunity for expansion, understanding, peacefulness as well as greater wealth.

FM teaching uses frequency (in music and with each sense… sight…. smell, tactile and even smell) 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.

FM creates relaxed concentration… a key to happiness, health and success.

You learn whole brain thinking that can help improve your freedom, satisfaction and income through business.

This part of the seminar helps us integrate their brain waves so they are more intelligent, intuitive and relaxed.

This workshop shows how to get into and stay in a state of relaxed concentration… a mental state shown to enhance almost every human capability… especially writing.

Merri and I are explorers so we have used this techniques for decades. We  are always looking for what’s next… trying to stay on or ahead of the leading edge and need ways to think outside he box..

This journey has helped us alter the main mission in our lives again and again… every seven to 14 years.

The Quantum Wealth Frequency Modulation sessions share ideas on how to live better…. using frequency modulation to be smarter… stronger…. more energetic… and healthier.

Most of us have never so many problems that create opportunity as those that face us now.  A growing global population… depletion of natural resources and technology are bring social and financial shifts at a pace never seen before.

These shifts will rob many of their financial well being, but fortunately the same technology that is creating the change can also help you gain prosperity like you have never imagined.  We look forward to sharing these riches with you.

We are in our 44th year of business and we share what we have learned and where this is leading our activities in our upcoming seminar. Join us.

Each seminar updates how we doing business globally, and even how we are investing… and why… right now. Join Merri, me

Spotting new trends and applying them to our micro business has brought us a strong and continual flow of income. More importantly the process has been fulfilling…. beneficial to society and healthy.    Now you can benefit from the latest… and perhaps strongest… of all the trends we have stumbled upon.

Applying the concepts of quantum thinking to spotting trends over the past 44 years has helped thousands of our readers make and save millions.   The success of our readers has been a driving force in our lives yet we have always wanted to do more so continued looking deeper at ways we can share how to have income, stability, good health and contentment.

Join us to learn our most recent experiences and most advanced concepts and ideas.

Quantum Thinking For Everlasting Wealth Seminar – October 5-6-7, 2012 West Jefferson, North Carolina.

Join Merri and me. Enroll here $799.   Couple $999

See a new Ecuador community.

Read The Power Of Steadiness Or Immobility

Emerging markets grow in importance as we draw closer to a dramatic global social economic shift.

The change is taking place in part because the democratic process is working.

Yesterday’s New York Times article “Vote on Boehner Plan Delayed Amid Opposition” says: House Republican leaders were forced on Tuesday night to delay a vote scheduled on their plan to raise the nation’s debt ceiling, as conservative lawmakers expressed skepticism and Congressional budget officials said the plan did not deliver the promised savings.

The pushback on the bill was the latest chaotic twist in the fiscal fracas on Capitol Hill, as the clock ticked closer to Aug. 2, when the Obama administration has warned that the nation risks defaulting on its bills. The scramble to come up with a plan that could be put to a vote, now moved from Wednesday to Thursday, represents a test of Speaker John A. Boehner’s ability to lead his restive caucus. The expected showdown over the legislation is the culmination of months of efforts by Tea Party-allied freshmen and fellow conservatives to demand a fundamentally smaller government in exchange for raising the federal borrowing limit.

Many people in America want a smaller government and enough of their representatives are now demanding this… so this process could in the long run be good.  The question is how fast will there be a shift.

Whether this current change comes at a fast or slow pace it will come and there will be some pain… but not for those who adapt to the restructuring.

Keep in mind this is a process that has been going on now since 1971 when the US dollar was unpegged from gold.

One the subject of gold due to the purchasing power risks associated with the current socio-economic changes, we have interviewed Thomas Fischer JGAM Sr. Vice president about multi currency diversification and…

Thomas Fischer (right) and  Rich Checkan (left).

we also interviewed Rich Checkan of the precious metals dealers Asset Strategies International.

You can also hear both recent interviews on where to invest globally now.  Order here $9.99.

The Big Problem

The main problem however goes way beyond politics to the energy source of industrialization over the past 300 years. That energy has not just been gas but has been fossil fuels accelerating a shift of farmers from rural to urban and suburban environments.   As these farmers moved from the farm to the factory they dramatically improved their productivity at a very low educational cost.  Their enhanced wages increased their consumption.

The burst of increased affluence over the past several centuries has been fueled by cheap labor and fossil fuels.

In this era big business followed the path of least resistance wherever labor was cheapest in the world.  Manufacturing jumped from the US to Germany and Japan.  Then as labor costs rose in these countries the move was to Hong Kong… then to the Tigers (Singapore, Taiwan, South Korea and Malaysia).  Then there was a shift to China, Latin America, India.  Now places like Cambodia and Vietnam supply a lot of the really low cost labor.

As the world runs out of farmers and as the farmers left become connected, this cost of labor everywhere is rising.   More government… higher social costs and the rising cost of fossil fuel all have an impact to increase labor expense everywhere.

This is causing inflation in emerging nations as this chart from the Bloomberg Businessweek article “Slamming on Brakes Shows”

The rising emerging market interest rates  creates a current five point economic dilemma.

Point #1: The rise in emerging markets puts upwards pressure on interest rates everywhere.

Point #2: The rising rates pushes up prices in the emerging markets also creates inflationary pressures in the Western countries who buy so many of the emerging imports.

Point #3: Emerging market inflation reduces purchasing power of emerging currencies exactly when major currencies are losing purchasing power due to overburdening debt.

Point #4: Emerging market inflation is likely to slow exports which increases the need for emerging countries (such as China) to call in debt from the US and  Western Europe at a time when these countries are least able to pay.

Point #5:  Rising emerging market interest rates puts downwards pressure on emerging stock markets.

In the past, emerging markets were better valued than major markets.  This meant that one easy diversification was to reduce positions in major stock markets and increase positions in emerging markets.

The five points above and increased emerging market costs mean that we can wantonly just jump into any emerging market. The Chinese market for example is overheated.

However, we must choose the correct markets with care… because there is always something we do not know… especially in emerging markets.

This is why seeking value is so important. Value is the harmonious aspect of existence that wishes to fill every void.  Value is the ecstasy that harmonizes away the agony of imbalance.  Value means you are buying what is NOT in demand at a price lower than the object’s or share’s worth.

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

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

Keppler’s latest emerging market value analysis for the second quarter of 2011 says:

After recovering in April, Emerging Markets stocks gave up territory again in both May and June. Last quarter, the Morgan Stanley Capital International (MSCI) Emerging Markets Total Return Index (December 1988 = 100) declined 2.7 % in local currencies, 1.1 % in US dollars and 3.2 % in Euros. 

Year-to-date, the Index was down 2 % in local currencies, up 0.9 % in US dollars and down 6.7 % in Euros.

The Euro gained 2.2 % versus the US dollar in the second quarter and finished the first half of the year at 1.4499 USD/EUR — 8.1 % above its year-end 2010 level of 1.3416.

All three regional indices declined in the second quarter: Asia was down 1.2 %, Europe, Middle East and Africa (EMEA) declined 3.3 % and Latin America lost 5.8 %.

In the first half of the year Asia lost 0.5 %, EMEA gave up 0.3 % and Latin America 6.8 %. Performance numbers are in local currencies unless mentioned otherwise.

Eight Emerging Markets advanced and thirteen markets declined last quarter.

The three best performing markets were Chile (+6.1 %), Indonesia (+6.0 %) and Malaysia (+3.2 %).

Peru (-15.2 %), Brazil (-7.9 %) and Russia (-7 %) fared worst last quarter.

Year-to-date, nine markets were higher, eleven markets declined and one market was unchanged.

The biggest winners so far this year were the Czech Republic (+10.2 %), Hungary (+7.9 %) and Indonesia (+7.3 %).

Peru (-26.7 %), Egypt (-22.1 %) and India (-8.5 %) performed worst since the end of 2010.

There was no change in our performance ratings last quarter.

The Top Value Model Portfolio contains the nine national MSCI markets Brazil, the Czech Republic, Egypt, Hungary, Poland, Russia, Taiwan, Thailand and Turkey at equal weights. According to our performance ratings, a combination of these markets offers the highest expectation of long-term risk-adjusted performance.

SELL CANDIDATES (Low Value)   Chile            India           Indonesia       Korea.

NEUTRALLY RATED MARKETS China        Colombia      Malaysia      Mexico         Morocco      Peru    Philippines     South Africa.

The economic emergence of poor countries is good. More people will have more wealth in the long run.  The political struggle to reduce debt in rich nations will also help.  An improved balance between the rich and the poor created through opportunity for all will enhance peace efforts and reduce the likelihood of terrorism, revolution and war.

Yet these positive evolutions are slow, often hard to see and keep in perspective.  Such macro shifts also brings pain for those who do not adapt to the change.

Seeing and embracing change are as hard as seeing into the future… but value is an easy way to stay in touch with evolution and is easier to see!   We thank Michael Keppler for these valuable statistics.

Gary

Join Merri and me at our next seminar as we look at ways to gain from the international economic shifts in the year ahead.

Enrollment details for our October 7-9 North Carolina Course click here.

We have started a program to help our readers create their own micro business working with these businesses as referrers, dealers and distributors.

What a match… tens of thousands of readers, many wanting to earn globally… meeting some great… really unique global businesses tied together with our communication system that can bring all this: training…. communicating and networking.

We are starting with these five businesses first.

#1: Jyske Global Asset Management  (JGAM)
#2: Bio Wash
#3: Candace Newman Essential Oils
#4: Roses
#5: Ecuador Imbabura Export Products

After attending our International business and investing seminar on October 7-8-9, you will be qualified to enroll for referrer, distributor and dealer programs above and any others we develop. 

Enrolling in any of our online business development courses and attending one seminar provides full qualification to apply for all programs we provide for a year.

I’ll explain the first specific way you can tap into greater power for everlasting health and wealth in a moment.

We provide three e-courses that can help you develop your own micro business that we designed to help you earn anywhere you live in the world.

International Business Made EZ ($299)

Self Fulfilled – How to be a Self Publisher ($499)

Event – Full How to Earn With  Your Own Seminars ($349)

We have started the beta program, and the good news is that we are not charging a penny more more.  Our International Business Made EZ online course and our International Business Made EZ seminars remain the same price though we’ll now offer subscribers an entrance to doing business with many turnkey businesses.

The overall service can bring you the following benefits:

#1: Connect you via our our online course “International Business Made EZ” to here and now specific business opportunities.

#2: Keep you in touch with other readers in the program, share business tips, ideas contacts and even website support in some instances.

Our first turnkey business program is Jyske global Asset Management because our activities as publishers has a synchronicity with Jyske and JGAM.   We have been able to combine our training, communications and lead generation abilities with their financial organization.

Business is always a little more complicated when it entails financial products so we have created a beta program to develop this system.

A referrer does not have to be a registered as an investment adviser but JGAM does have a due diligence requirement. JGAM will also expect a certain amount of referrals per year though this amount has not been determined… hence this beta offer.

JGAM pays a percentage of their fee to the referrer up to a maximum 25% of their fee. This not only offers an excellent income generating opportunity but creates a potential long term income stream because JGAM keeps paying the fee as long as the client remains a client. Fees are paid on a quarterly basis.

There is also potential for growing long term income because JGAM pays the referrer based on the total assets under management.  If a referred client makes additional payments, the referrer will be paid on the total amount.

For example if an referrer refers a client who invests a minimum $100,000 and the annual fee is 2%, the referrer earns $500 per annum basic fee (as long as the customer remains with JGAM)… plus if the assets grow either through portfolio growth or added deposits… so too does the referrer’s fee.

We have set our first training JGAM training session for October 10, 2012.

This program will allow subscribers to any of our  online courses who have attended an International Business Made EZ seminar to become referrers for JGAM.

We have been working with Jyske Bank for over 20 years and Jyske Global Asset Management, a Jyske Bank wholly owned subsidiary. We started talking to Thomas Fischer Senior VP about an referral program for some time.  Finally,we introduced this opportunity for the first time at our June 2011 seminar.  The response was overwhelming.

Jyske Bank employs a staff of about 4,000 and operates 116 Danish branches, which makes it the second largest independent Danish bank. They offer a full range of financial solutions to retail as well as small and medium-sized corporate clients.

We have always liked Jyske because they are one of Europe’s largest currency traders and offer very simple but sophisticated multi currency investing services.  They are one of Europe’s largest currency traders and dealers.

We have especially enjoyed our business relation with Jyske because being open and honest is one of the core values of the bank group. Traditionally, Jyske formulates and communicates its values – and the way they understand and live by them – to the surrounding world. They work hard offering shareholders, customers and employees balanced opportunity.

We especially like the fact that Jyske employees are not paid bonuses.  No multi million pay outs are in the system that might temp staff to distort earnings or take undue risks.

Here is how you can apply for this program.

To start as a referrer,  there is first the compliance process with Jyske Bank.

Once that process is complete, our IBEZ system helps educate and assist referrer.

First… once a referrer has been approved by JGAM, and the referrer has completed our online course International Business Made EZ course and attended one of our  international investing and business seminars they can attend an exclusive training seminar at our farm.

We have a…

creekside…

seminar hall where…

unless the group grows too large, we’ll meet.   We’ll have lunch  on the deck looking over Little Horse Creek.

JGAM and our company conduct this one day intensive training for agents the day after each International Investing and Business seminar.

The first such seminar will be conducted Monday, October 10, 2011 immediately after our October 7-8-9 International Investing and Business Seminar in West Jefferson, North Carolina.

Part of the JGAM program is designed so we can assist referrers by referring readers in their locale to them.  So for example if a referrer is in Miami, we will send special emails to our readers in that area, help organize mini seminars… etc.

We can zero in as close as 20 miles to a location so for example we can send a separate email to every reader within 20 miles of the address of a referrer.  And although we won’t release the names in that area, we can send them a note of the opportunity.

We will also provide a referrer communication forum and update training as well as portfolio and investing ideas.  We have general plans at this stage but find the best way to develop systems is to refine through action. We expect our beta program this year to clarify how we can best help our readers become referrers and how we can help them succeed.

Step one is to start the compliance process with JGAM.  Thomas Fischer  can send you the Introducer Questionnaire and Terms of Business.

Thomas Fischer’s email is fischer@jgam.com

This will begin the process of establishing a relationship with JGAM.  Once this relation is approved and verified, then you will be able to enroll in the referrer training.

Satisfaction Guaranteed.  Three Guarantees.

There is no guarantee that JGAM will approve your application as a referrer just because you enroll in the seminar or take the online course so we make two special guarantees.

First Guarantee. Regarding the online course International Business Made EZ.  Enroll in this course. Take it and if you are not satisfied for any reason within 30 days… let us know and we’ll give you a full refund.

Second Guarantee. Enroll in our October 7-8-9 International Business & Investing Seminar.  I’ll send you a recording of the June seminar now so you better understand what these seminars are and how they help you.  If you are not happy with what you hear, let us know within 30 days and we’ll give you a full refund. You keep the recorded seminar as our thanks.

Third Guarantee.  Your earnings potential has this guarantee.  First, any time between now and October… before you attend the International Business and Investing seminar if you fail to qualify as a JGAM referrer agent or change your mind before attending the International Business and Investing seminar you can ask for a full refund.

Enrollment details for our October 7-9 North Carolina Course click here.

See Slamming on the Brakes at Bloomberg Business Week

This is a pivotal week for international investments…here is an update on the values of major stock markets by Keppler Asset Management.

Michael Keppler

The global economy is in tension.  US and Western European economies are both being forced to face up to debt, aging populations and huge unfunded future obligations in pensions, medical care and who knows what, amid a disintegrating, global social cohesion evidenced by terrorism… revolution and internal strife such as the bombing and killing in Norway.   

Huge losses will occur as the dollar and euro lose purchasing power.

The best way to protect against these losses is by always seeking value.

Understanding value is the tricky part.

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

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

Here are Keppler’s Comments on Major Market Value for this quarter to July 2011.

Recent Developments & Outlook

After a strong first quarter, global equity markets were little changed on balance in the last three months. The Morgan Stanley Capital International (MSCI) World Total Return Index (with net dividends reinvested, December 1969 = 100) finished the second quarter 2011 at LC 2,255 (-0.6 %), $ 3,290 (+0.5 %) and € 1,204 (-1.7 %), respectively.

Year-to-date, the MSCI World Index was up 2.9 % in local currencies and 5.3 % in US dollars. However, due to the strong recovery of the Euro versus the US dollar, it declined 2.6 % year-to-date in Euros. The Euro gained 2.2 % versus the US dollar in the second quarter and finished the first half of the year at 1.4499 USD/EUR — 8.1 % above its year-end 2010 level of 1.3416.

Seven markets advanced in the second quarter 2011, sixteen markets declined and one market was unchanged. Ireland had the highest return (+5.3 %), followed by Germany (+4 %) and New Zealand (+2.8 %). Greece (-18.3 %), Finland    (-9.8 %) and Denmark (-8.5 %) performed worst last quarter.

The best performing markets during the last six months were New Zealand (+9.6 %), Ireland (+8.4 %), France and Spain (both up 6.9 %). Finland (-13.1 %), Israel (-11.3 %) and Greece (-11 %) were the worst performing markets in the first half of 2011. Performance is in local currencies, unless mentioned otherwise.

The Top Value Model Portfolio, based on the Top Value Strategy (December 1969 = 100) using national MSCI country indices as hypothetical investment vehicles, finished the second quarter at LC 32,361 (unchanged), $ 31,711 (+2 %) and € 11,605 (-0.2 %). Year-to-date, the Top Value Model Portfolio gained 2.1 % in local currencies, 8.2 % in US dollars and 0.1 % in Euros, underperforming the benchmark by 0.8 percentage points in local currencies but outperforming in US dollars and Euros by 2.9 and 2.7 percentage points, respectively.

There were no changes in our performance ratings last quarter. The Top Value Model Portfolio holds the six “Buy”-rated markets Austria, France, Germany, Italy, Japan and the United Kingdom at equal weights. According to our analyses, a combination of these markets offers the highest expectation of long-term risk-adjusted performance.

Our implicit three-to-five-year projection for the compound annual total return of the Equally-Weighted World Index now stands at 13.1 %, up from 11.9 % three months ago.

JGAM warns about the turmoil in its weekly update and says:

Week 18 July – 22 July

European Monetary Fund

After days of speculations, the financial markets could finally take a sigh of relief when the European leaders last night announced the much anticipated bail-out agreement.

Earlier this week, risky assets carefully started to rebound anxiously awaiting the result, however optimism really took off Thursday as a draft proposal circulated the media.

The positive sentiment continued into Friday as the summit announcement didn’t disappoint expectations.

The European leaders last night agreed on a new EUR 109bn bail-out of Greece, with an additional commitment of EUR 37bn expected from private bondholders.

On top of that the leaders have also agreed to lower the loan costs of Greece, Ireland and Portugal by 100-200 basis points, and to prolong maturing debt and to give the temporary bail-out fund, the European financial facility stability (EFSF) additional powers as well. The bail-out fund will in the future be able to act preemptively by quickly helping countries such as Spain and Italy if needed, an International Monetary Fund (IMF) style ability. The agreement is intended to stop the European debt turmoil and to protect Spain and Italy from any contagion effects.

Since Monday, the European common currency has appreciated with as much as 3% versus the US dollar, and is currently trading in the 1.4325 to 1.4425 range. During the same period, the interest (cost of borrowing) on the Italian 10 year government bond has fallen with 85 basis points from 6% to 5.15%, and by 400 basis points from 17.8% to 13.8% on the similar Greek issuance.

The risk now is whether the new agreement is big enough and/or whether it will follow the same pattern as the previous and eventually disappoint the market.

Fitch, the rating agency, is today warning the market that they will reduce Greece to “restricted default” should the intended prolonging of the maturing Greek debt go ahead as planned.

We expect a bumpy road ahead.

The managers at JGAM responded.  On 14 July JGAM’s Investment Committee held its ordinary, monthly meeting and reported .

In the weeks leading up to the meeting we had reduced the overall risk in our portfolios by moving gold and Swiss francs (CHF).  This week, the euro crisis has escalated with the downgrading of Portugal and Ireland to junk by Moody`s.

Mr. Silvio Berlusconi, the Prime Minister of Italy, rubbed salt in the open debt wounds, when he called his Finance Minister Mr. Giulio Tremonti an idiot. The open disagreement in the Italian government immediately caused markets to doubt whether Italian austerity measures can be agreed upon.

The growth picture in the US is becoming bleak with rising unemployment and a dreaded double dip, as rare as it is, cannot be ruled out.

China is expected to continue its monetary tightening, which could also dampen growth prospects.

With so much uncertainty, it is no wonder that volatility is increasing, but we believe that our current asset allocation and overall risk reduction through our gold and CHF positions are adequate in a volatile environment.

Due to these risks, we have interviewed Thomas Fischer JGAM Sr. Vice president about multi currency diversification.

Thomas Fischer (right) and  Rich Checkan (left).

We also interviewed Rich Checkan of the precious metals dealers Asset Strategies International.

You can also hear both recent interviews on where to invest globally now.

We have added phone interview updates to our Global Personal Portfolio service.

Here is how the updates work.

You email me your questions.  We will review them with experts and then answer them in telephone call updates.

We’ll send you the recorded calls.

Who is eligible to ask and to listen in to the call?

This service is free for all subscribers to our annual Multi Currency Service.

Not a Multi Currency subscriber?  Learn how to enroll here.

Non Multi Currency subscribers can enroll to have their questions answered for a one time charge of $9.99.

Order here $9.99.

Gary

See this Manabi farm with organic cashew potential.

See new idea on how to earn with Ecuador agriculture and exports .

Join Merri and me as we look at ways to fight international investment turmoil in the year ahead.

Last Day of our July Special. The offer to save up to $499 expires tonight at midnight.

We have started a program to help our readers create their own micro business working with these businesses as referrers, dealers and distributors.

What a match… tens of thousands of readers, many wanting to earn globally… meeting some great… really unique global businesses tied together with our communication system that can bring all this: training…. communicating and networking.

We are starting with these five businesses first.

#1: Jyske Global Asset Management  (JGAM)
#2: Bio Wash
#3: Candace Newman Essential Oils
#4: Roses
#5: Ecuador Imbabura Export Products

After attending our International Business and investing seminar on October 7-8-9, you will be qualified to enroll for referrer, distributor and dealer programs above and any others we develop. 

Enrolling in any of our online business development courses and attending one seminar provides full qualification to apply for all programs we provide for a year.

I’ll explain the first specific way you can tap into greater power for everlasting health and wealth in a moment.

First, may I remind you of  our July special that ends in just over two days?

We provide three e-courses that can help you develop your own micro business that we designed to help you earn anywhere you live in the world.

International Business Made EZ ($299)

Self Fulfilled – How to be a Self Publisher ($499)

Event – Full How to Earn With  Your Own Seminars ($349)

July Special.

Enroll before midnight July 24, 2011 for our October International Business & Investing Seminar (plus Frequency Modulation Workshop),   October 7, 8, 9, 2010 in the Blue Ridge Mountains of NC and choose any one of the three courses above for FREE.  You Save between $299 and $499.

Early enrollment for our October 7-9 North Carolina Course click here for details.

We have started the beta program, and the good news is that we are not charging a penny more more.  Our International Business Made EZ online course and our International Business Made EZ seminars remain the same price though we’ll now offer subscribers an entrance to doing business with many turnkey businesses.

The overall service can bring you the following benefits:

#1: Connect you via our our online course “International Business Made EZ” to here and now specific business opportunities.

#2: Keep you in touch with other readers in the program, share business tips, ideas contacts and even website support in some instances.

Our first turnkey business program is Jyske global Asset Management because our activities as publishers has a synchronicity with Jyske and JGAM.   We have been able to combine our training, communications and lead generation abilities with their financial organization.

Business is always a little more complicated when it entails financial products so we have created a beta program to develop this system.

A referrer does not have to be a registered as an investment adviser but JGAM does have a due diligence requirement. JGAM will also expect a certain amount of referrals per year though this amount has not been determined… hence this beta offer.

JGAM pays a percentage of their fee to the referrer up to a maximum 25% of their fee. This not only offers an excellent income generating opportunity but creates a potential long term income stream because JGAM keeps paying the fee as long as the client remains a client. Fees are paid on a quarterly basis.

There is also potential for growing long term income because JGAM pays the referrer based on the total assets under management.  If a referred client makes additional payments, the referrer will be paid on the total amount.

For example if an referrer refers a client who invests a minimum $100,000 and the annual fee is 2%, the referrer earns $500 per annum basic fee (as long as the customer remains with JGAM)… plus if the assets grow either through portfolio growth or added deposits… so too does the referrer’s fee.

We have set our first training JGAM training session for October 10, 2012.

This program will allow subscribers to any of our  online courses who have attended an International Business Made EZ seminar to become referrers for JGAM.

We have been working with Jyske Bank for over 20 years and Jyske Global Asset Management, a Jyske Bank wholly owned subsidiary. We started talking to Thomas Fischer Senior VP about an referral program for some time.  Finally,we introduced this opportunity for the first time at our June 2011 seminar.  The response was overwhelming.

Jyske Bank employs a staff of about 4,000 and operates 116 Danish branches, which makes it the second largest independent Danish bank. They offer a full range of financial solutions to retail as well as small and medium-sized corporate clients.

We have always liked Jyske because they are one of Europe’s largest currency traders and offer very simple but sophisticated multi currency investing services.  They are one of Europe’s largest currency traders and dealers.

We have especially enjoyed our business relation with Jyske because being open and honest is one of the core values of the bank group. Traditionally, Jyske formulates and communicates its values – and the way they understand and live by them – to the surrounding world. They work hard offering shareholders, customers and employees balanced opportunity.

We especially like the fact that Jyske employees are not paid bonuses.  No multi million pay outs are in the system that might temp staff to distort earnings or take undue risks.

Here is how you can apply for this program.

To start as a referrer,  there is first the compliance process with Jyske Bank.

Once that process is complete, our IBEZ system helps educate and assist referrer.

First… once a referrer has been approved by JGAM, and the referrer has completed our online course International Business Made EZ course and attended one of our  international investing and business seminars they can attend an exclusive training seminar at our farm.

We have a…

creekside…

seminar hall where…

unless the group grows too large, we’ll meet.   We’ll have lunch  on the deck looking over Little Horse Creek.

JGAM and our company conduct this one day intensive training for agents the day after each International Investing and Business seminar.

The first such seminar will be conducted Monday, October 10, 2011 immediately after our October 7-8-9 International Investing and Business Seminar in West Jefferson, North Carolina.

Part of the JGAM program is designed so we can assist referrers by referring readers in their locale to them.  So for example if a referrer is in Miami, we will send special emails to our readers in that area, help organize mini seminars… etc.

We can zero in as close as 20 miles to a location so for example we can send a separate email to every reader within 20 miles of the address of a referrer.  And although we won’t release the names in that area, we can send them a note of the opportunity.

We will also provide a referrer communication forum and update training as well as portfolio and investing ideas.  We have general plans at this stage but find the best way to develop systems is to refine through action. We expect our beta program this year to clarify how we can best help our readers become referrers and how we can help them succeed.

Step one is to start the compliance process with JGAM.  Thomas Fischer  can send you the Introducer Questionnaire and Terms of Business.

Thomas Fischer’s email is fischer@jgam.com

This will begin the process of establishing a relationship with JGAM.  Once this relation is approved and verified, then you will be able to enroll in the referrer training.

You must complete one of the online business development courses above and attend an International Business and Investing Seminar to be eligible for the October training.

All of our readers are invited to enroll in our International Business Made EZ Online Course and our International Business and Investing Seminar at any time.

Satisfaction Guaranteed.  Three Guarantees.

There is no guarantee that JGAM will approve your application as a referrer just because you enroll in the seminar or take the online course so we make two special guarantees.

First Guarantee. Regarding the online course International Business Made EZ.  Enroll in this course. Take it and if you are not satisfied for any reason within 30 days… let us know and we’ll give you a full refund.

Second Guarantee. Enroll in our October 7-8-9 International Business & Investing Seminar.  I’ll send you a recording of the June seminar now so you better understand what these seminars are and how they help you.  If you are not happy with what you hear, let us know within 30 days and we’ll give you a full refund. You keep the recorded seminar as our thanks.

Third Guarantee.  Your earnings potential has this guarantee.  First, any time between now and October… before you attend the International Business and Investing seminar if you fail to qualify as a JGAM referrer agent or change your mind before attending the International Business and Investing seminar you can ask for a full refund.

Early enrollment for our October 7-9 North Carolina Course click here for details.

Money transfer risks have increased over the years.

Modern communications technology has made it technically easier to move money globally than ever before.

Yet slowly over the past several decades, the rights of bank privacy and the ability to transfer money around the world freely have eroded because of OECD rules.

.

Photo from OECD.org

One reason for this is that that international anti terror and anti money laundering agreements require banks to know their customers… to know where money comes from and where it goes.  These global agreements get translated into national regulations.  Each country than advises it banking system what to do.  The banking systems inform their banks. The banks outline what the believe needs to be done  to their employees… usually compliance officers and this places the bank in the position of policing the movement of money.

Banks pretty much hate the job… as it takes time… expense… places them in adversarial roles with their customers and overall gums up the mechanisms of free trade. But they must… or face the wrath of their government if… by some chance a criminal or terrorist launders money through their bank.

Banks are not the only industry to face this dilemma. Take English lawyers as an example.  They are required by law… if they believe a client is involved in a illegal activity to report this to the government.  They then cannot communicate in any way with that client for a prescribed period of time.

Already this has created at least one massive law suit. An attorney believed a client was involved in some form of criminal activity and reported the fact.  The refusal of the attorney to communicate (and complete a contract) with the client caused the deal… which turned out to be legitimate and worth hundreds of millions… to fall though.  The client suffered a huge loss.  Ooops.

Professionals and bankers can be caught between this rock and hard spot. They are not and do not want to be policemen… but must be or face disastrous consequences.

Here comes the crunch.  Some compliance officers and or bankers or attorneys want to be policemen or have unclear instruction, or poor training or whatever.  They can mess up your money transfers when you try to buy real estate in Ecuador or abroad anywhere abroad  or try to make an international investment that requires a money transfer.

This can dramatically complicate your investing, business  or real estate activity.

Here are a few examples.

Years ago one of our readers opened a stock brokerage account with a US brokerage firm.  Some activity in that account alerted the suspicions of  a compliance officer. He froze the account and turned it over to US customs.  The firm fired the broker involved.

The reader wrote to me several times and swore there was nothing illegal going on. The broker confirmed this.  I called the brokerage office. They referred me to the customs officer in charge who would not comment on any ongoing investigation. Neither the reader or the broker knew what the alleged infraction might have been.  I never heard the outcome but know that after six months the account was still locked and the broker never rehired.

I was caught in a compliance trap due to lack of international commercial standards in compliance.

Merri and I were buying real estate in Ecuador.  I had my bank in Denmark wire funds to an Ecuador attorney. Since the funds exceeded $50,000 the bank in Quito froze the funds and wanted proof they came from a legitimate account. My Danish bankers wrote to the Ecuador bankers saying I was known for 25 years and the funds were legitimate. The Quito bank said this was not enough… but never outlined what they did require.  The Danish bank didn’t have a clue about what to do. Only the threat of a lawsuit by my Ecuador attorney broke the log jam.  I could have suffered a serious loss via breach of contract by not paying for the property as contracted had my attorney not taken this stance.

Last year I had cash frozen. We had been processing credit card orders with one bank for over 2o years and had a perfect track record.  Some transaction… I’ll never know what it was caused some compliance officer to panic. He froze the account with $14,000 of our funds.   The compliance officer acted extremely strange.  Crazy since we are publishers selling data but then he stopped communicating at all.   No one would reply to phone messages. Mail I sent was returned.  The company literally refused to acknowledge that I was even a customer.

Only through sheer luck did I happen to mention this to a friend who happened to know the ex CEO of the firm who knew the head of compliance.   A quiet word managed to lubricate the wheels of the system and though the institution lost me as a customer…  finally after nearly a  year we received the frozen funds.

I was reminded of this erosion of freedom when a reader recently sent me this note.

Gary, I participated in the Ecuador Living Cuenca Real Estate Tour recommended on your website and I would recommend the tours to anyone.

This email is just for informational purposes because I believe my experience may possibly be of interest to you.   I doubt I am the only person that is encountering this type of problem.

The situation is:

I am a United States citizen that has deposited funds into the Canadian Western Bank in British Columbia.  Last  week I faxed a Wire Transfer Request form to the bank  for a down payment on a condominium in Cuenca. Then I called the bank with questions about the form and spoke to a manager. She informed me the bank can not release the funds until a regulatory entity approves the release of the funds. The Canadian government has a list of countries it doesn’t want funds sent to;  Ecuador is on that list.  The manager then told me I had  to complete another form that could be completed by answering questions she would ask by telephone.  The questions noted below were some of the questions (as  best as I can recollect) with respect to the second form:

a.  What do I plan to do with the funds in Ecuador?
b.  Do I plan to live permanently to Ecuador?  If so, why?
c.  Will  the condominium  be my primary residence, 2nd home, rental?
d.  What was the source of the funds I initially deposited into Canadian Western bank?
e.  Why did I deposit funds with Canadian Western bank initially?
f.   Did I investigate the attorney handling the sale?
g.  How do I know the attorney is honest?
h.  Will the wired funds be put into a trust until the sale is  completed?  If the funds are deposited into the attorney’s account how do I know  he won’t steal  the funds?
i.   Why isn’t a title  company handling the escrow?

The bank doesn’t dispute the funds are mine.  I was asked many  intrusive questions. The bank manager told me  one purpose for the questions is money laundering, another reason is because the government disapproves of Ecuador therefore a determination will be made if the funds will be released to wire to Ecuador.

Also, I asked the manager if 30% of the funds will be with-held per the request of the United States government.  She said yes, but she didn’t know if it would be 30% of the withdrawn funds or 30% or the total funds on deposit. That was when she asked why I deposited the funds in Canada.  I told her it was because many U.S. banks are not financially sound and the FDIC won’t release their names therefore I don’t know if my bank is financially sound.  Also, that I have read Canadian banks are rated as among the safest in the world.

Another reader wrote:

After reading the note above a Canadian reader shared this comment:   Gary,  Thank you for this forum to read and get information. As  Canadians we have wired money to Ecuador 4 times for the purchase of two pieces of property.  The latest transfer was last September so I just called my bank (Royal Bank of Canada) and they have no restrictions against sending money to Ecuador, in fact said they could not believe that any Canadian Bank would. However Western Canada Bank is a very small banking entity and so that  may be the problem.  I would also imagine that depositing in another country and then transfering the money out to yet another might be grounds for nervousness.  regards.

I agree with the Canadian reader.  I suspect that the American reader who transferred money to Canada before transferring it on to Ecuador had a problem for two reasons.

Problem #1:  Immediate back to back transfers are one of the transactions that banks look for.  They ask… why go from Bank  A to go to Bank B to Bank C unless you are trying to hide something.? Why not transfer direct from Bank A to Bank C?

Problem #2:  The compliance officer obviously was ill informed or more likely confused (I am being polite here).  The 30% withholding tax is a totally different issue and should have had nothing to do with a transfer. Ditto I have never heard of any restriction of transfers between the US or Canada to Ecuador.

There was a list, of countries that were labeled  “tax havens that did not provide sufficient bank transparency” published by the Organization for Economic Cooperation and Development, (OECD) a Paris-based group of wealthy nations, in coordination with the G-20. That list singled out four countries as the worst offenders: Costa Rica, Malaysia, the Philippines and Uruguay. Another 38 countries and territories, including the Cayman Islands, Panama, Bahamas and Liechtenstein, were listed as less serious offenders.

Ecuador was never on that list.

The 2010 OECD report COUNTERING OFFSHORE TAX EVASION stated “With the commitments of Costa Rica, Malaysia, the Philippines and Uruguay, all jurisdictions covered in the Global Forum’s assessments have now agreed to implement the standard.

One may have a perfectly legitimate reason for doing something unusual… but beware… surprising your banker with an unusual  transfer can cause delays… undue attention and loss.

Here is what I now do to make sure my international investments and transfers are not hung up or worse.

#1: I spend more time with my banker. The rules say that my banker has to know me so I make it a point to get to know my banker and let him know what I am doing.

#2: I ask my banker questions. Before I make any unusual transaction… I ask my banker about it… is there a less expensive easier way. I let him get involved so he can help me make a transaction. This can really pay off if anything goes wrong… because I followed my banker’s advice.

#3: I get permission. Before I make any transaction that will depend on bankers beyond mine… I tell them what I am doing, ask  what they want and get permission (and the names of those I ask).  For example if i were buying another piece of real estate in Ecuador… before I transferred the payment I would contact the Ecuador bank that is to receive the money and make sure I knew what they wanted (and who told me what they wanted) to see in the transaction.

Modern communications technology makes it easier to transfer money.  Yet every silver lining has a cloud and in this case the technical ease of moving funds from one country to another also lubricates the movement of money earned through or for illegal activity and terrorism.  This fact has led to treaties, rules and regulations, often Draconian, always complicating the freedoms that should be ours.   I do not like this fact, but it is a fact so anticipate money transfer risks when you move money internationally.

Gary

The time has come to think about international investing in the Middle East with its risk and rewards.

Take a tip from this Russian.

The shifts taking place in the Middle East could transform overseas investing!  This area is filled with intelligent… passionate, energetic people.  Capital abounds. There are phenomenal amounts of wealth and Pandora’s democratic box has been opened.

Yes, the chances of power vacuums create risks.  Yet the countries that get this transformation right could explode with growth and opportunity.

The first obvious international investment opportunity is in oil. We are reading a lot in main street media about the risks that high oil prices bring to the Western economy.   However these investments have already been made… so be careful of a downward bounce as those who jumped into oil at the beginning of this transformation take profits.

Look on the fringes.  Russia, for example. The ruble is incredibly sensitive to oil prices. Several years ago I had dinner with the first Foreign Minister (under Boris Yeltsen) of democratic Russia, Andrei V. Kozyrev.  He gave me a tip about investing in Russia. “Gary. he said… “investing in Russia is simple. Watch the price of oil.”

If oil prices rise and the ruble or Russian securities lag, think вложите капитал в Россию   (Invest in Russia).

My investment advisers, Jyske Global Asset Management (JGAM) emailed me about this last week and said:

Oil and turmoil

The North African/ Middle East turmoil continued this week, with many demonstrations especially in Libya, where the people demand that Colonel Gaddafi t step down and turn over the power. The EU-countries agree to prepare sanctions against Gaddafi’s Libya, however it remains to be seen how and when.

The turmoil has triggered the Oil prices as 25% of Libya’s oil production has been stopped. It is not much of the total global production, but the market is concerned that the turmoil will spread to the world’s largest oil exporter, Saudi Arabia. Saudi Arabia will do what they can to avoid an oil panic, thus having decided to increase the supply of oil to calm the market. All this has of course had an impact on the stocks this week, where we have seen increased volatility worldwide.

JGAM was head of the curve and emailed me January 15, 2011:  On 13 January 2011 JGAM’s Investment Committee held its ordinary, monthly meeting going through all managed portfolios. This email gives you a short summary of the changes we have made in our managed asset allocation portfolios (see the FX Update to track the managed FX portfolios).

We took profit on our Canadian dollars and swapped the proceeds into stocks, buying Statoil for the low risk portfolios and Alfa Laval for the medium and high risk portfolios, thereby increasing the equity exposure in all portfolios.

We also changed the loan mix on leveraged portfolios from 100% US dollar to 50% US dollar and 50% euro. On and off, the euro continues to be under pressure because of the unsolved sovereign debt crisis in the eurozone.

JGAM’s Statoil position has done well as the chart below shows.

Statoil is an international energy company with operations in 34 countries.  Headquartered in Norway with 20,000 employees worldwide, the shares are listed on the New York and Oslo stock exchanges.

Statoil shares 1 month chart from fincae.yahoo.com

The company engages in the exploration, production and marketing of petroleum and operates primarily in Scandinavia, Poland, the Baltic States and Russia.

You can get more details on JGAM investment portfolios from Thomas Fischer Senior VP at JGAM. His email is fischer@jgam.com

Look at alternative energy investments. Today I am meeting with a contractor to install a solar system in Florida. We’ll  add hydro power in North Carolina as I believe that energy prices will rise.

Prices are not quite right… but I’ll explain in a future message why I am installing a 5040 solar voltaic system now.

Here is why I believe the democratic transformation in the Middle East will be real.

The Power

Modern communication technology allows populations globally to know how the rest of the world lives.  The power in this revolution  is held in the way such a large segment of the population is repressed.

For example, a National Geographic article entitled “Veiled Rebellion” tells of “Afghan women who suffer under the constraints of tribalism”. Here is an excerpt:

The Wails of a Jailed Wife

A female inmate at the Maz-e-Sahrif prison has just been released prompting Maida-Khal, 22, to cry out because she is still trapped in her cell.

When Maida-Kal was 12 she was married to a man of about 70 who was paralyzed.

“I was so young, I could not carry him because he was so heavy so his brothers would beat me,” she recalls. When she asked for a divorce for years ago she was imprisoned I am in jail because I don’t have a mahram (male guardian).

The Weapon

It all began with a rock… or perhaps a stick.  Some one…. sometime… a long time… eons ago was feeling repressed… for whatever reason.  He (probably) picked up a stick or a rock and let fly.   The projectile evolution… the great equalizer began.

Later the slingshot took this technology to the next level.  Then came gunpowder, bullets,  the Colt .45!

Next we saw bombs, missiles and rockets… plus increasingly sophisticated aiming techniques which brings us to this revolution.

Cell phones and the internet aiming…

rocks.  There are plenty of rocks… more than enough information and a determination for more freedom. I do not believe the Middle East will ever return to its old ways.

Other Opportunities

Other opportunities may come in commodities.

Here are three ways to earn from this.

#1: Invest in junk silver coins

A recent article entitled “Is It Time to Buy “Junk Silver” Dollars?” by Steve Emeric and published by Asset Strategies gives us a tip on junk silver. Here is an except:  As you know from reading our alerts and newsletters, we are huge fans of “junk silver” coins. By that we mean the pre-1965 dimes, quarters, and half-dollars from the U.S. Mint. Many of you have purchased them on our recommendation, not just because of their low premiums, but also for their wide acceptance, easy divisibility, and other good reasons.

In today’s message, I want to suggest a way you can give your “junk silver” purchases an extra kick. Think of how Emeril Legasse says “Bam!” as he adds some spice to a recipe. That’s what this recommendation can do for your precious-metals portfolio. And right now is the best time in years to act on this opportunity.

Instead of dimes, quarters, and half-dollars, the coins I’m talking about today are the Morgan and Peace Dollars minted prior to 1935 that are in VG (very good) condition. These silver dollars contain more silver than the pre-1965 dimes, quarters, and half-dollars we like so much. Yet they’re not in good enough condition to interest a serious collector. That’s why I call them “junk silver” dollars.

#2 Invest in Silver Wheaton shares.

#3: Invest in KCHM Polish Solver & Copper mine shares.

The Middle East has taken a powerful step towards democratic capitalism and freedom… the economic model that has been the most effective humanity has developed yet.  This can bring a better life to millions of oppressed people and it creates many kinds of opportunity.  One of the first opportunities will come from the turmoil and and short term fears this transition brings… so look more deeply at investing in commodities now.

Gary

Get the latest update on junk silver… Silver Wheaton shares and KCHM Polsa Mining shares.

We reviewed my portfolio (which includes each of the investments above) at our International Investment Seminar in February 2011.  You can listen to the seminar in a digital file on your computer… MP3 player… or a disk at home or in your car.

Listen to, Thomas Fischer of JGAM. Rich Checkan of Asset Strategies and me discuss where to invest in the months ahead.

Order my International Business Made EZ  seminar digital download here. $199.

Save $199 Enroll in our June or October International Business Made EZ seminar and you can have the digital seminar free. You save $199.

Full Refund Guarantee

Enroll in our June or October International Investing and Business Seminar. Get the digital download of our February seminar now free.  If you are not totally happy with the information you gain… just let us know within a month.  We’ll cancel your seminar reservation, send a full refund and you can keep the digital download free as our thanks for tuning in.

See below how to get our last business seminar online FREE.

See seminar details here.

Ecuador, as an oil exporter, will also benefits from Middle East turmoil, but not as much as it seems. Ecuador has crude reserves and exports crude but has no refineries. This means it has to import all its refined oil from Venezuela thus giving up a lot of its profit. In addition Ecuador subsidizes its gas and propane prices.  Gas is sold at $1.50 a gallon and a tank of propane that sells for $2.50 costs the government $16.

Higher oil prices help stabilizes the system… but the systems has these fundamental flaws… so in a way higher oil prices encourages waste in Ecuador.

See a  20 to 40 times investment Bahia Ecuador Beach bargain here.

Digital International Investing & Business Seminar + Quantum Wealth

Listen to “International Investing & Business Made EZ 2011 plus Quantul Wealth” from a digital download. Hear this latest course on disc… on your computer… MP3 player or in your car.

Try out this seminar with our unique guarantee.  Here our and Jyske’s latest portfolio recommendations.  Listen to our researcher report on our first journey to Cuba.  Get dozens of economic and global business ideas.

We update how we are investing globally… and why… at each course.

Enroll here. We will send you the seminar in audio digital form for only $199. Order here

If you are not totally happy send us an email and we’ll give you a complete refund.

International Business & Investing Seminar

Our June 24-26, 2011 was conducted and recorded at Jefferson Landing Resort and Golf  Course.

This recorded seminar updates how we are investing globally, how we doing business globally… and why… right now. Join Merri, me, Thomas Fischer from Jyske Global Asset Management, Bonnie Keough and (our Ecuador export expert) and our Canadian Cuban researcher.

We’ll addressed what to do as investors, in business and in life.

The seminar is divided into three sessions.

Part One: International Investing.

Part Two: How to be more intelligent, successful and happy with whole brain thinking through “Frequency Modulation”.

Part Three International Micro Business – “How to Have a Global Income “.

International Micro Business – “How to Have a Global Income”

This part of the seminar shows “How to have an international micro business.”  These sessions are highly practical and usable. They focus on how to use modern technology to start global micro businesses with minimal investments of time and capital… that can create valuable extra income.

By starting small and building with stepping stones and a harmonious focus, Merri and I have learned how to almost own several profit generating phrases at Google.  We, along with our webmaster David Cross share the secrets of how you can use words to create your own global income as well.

The seminar shares how we use 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.

We use this system successfully on the internet and share what we do with you as we look at ways you too can have a high income generating business… even if you never leave your home.

This knowledge has really helped previous course delegates. Here is what one previous delegate just shared:

“Gary , I have been working on my website, healthy-holistic-living.com site and I figure it is time for another update. It is really hard to believe it, but my site just keeps growing and growing and I am now averaging 2000 visitors per day!

“What I find to be most amazing is that in just a few short months my site is #1 out of over a million sites and sometimes even millions of sites! As you always say the internet is the ‘Great Equalizer’ anybody given the right tools can compete on the internet.“Below are some of my search results. I only listed GOOGLE and YAHOO but you can find similar results on both MSN and ASK.com.

GOOGLE:

#1 out of 1,190,000 …………………………“definition healthy spirit “

#1 and #2 out of 1,210,000.………………….“benefits to living a holistic life “

#1 out of 1,260,000 …………………………“gaining a healthy mind “

#1 and #2 out of 1,260,000 …………………“benefits to living a holistic life “

#2 out of 935,000 …………………………..“holistic lifestyle tips “

You will learn how to use the same system to expand (or start) your business globally!

This is a perfect era to increase your wealth and improve your lifestyle as you reduce stress with investments in the ideas below or your own a micro internet business.

Merri and I enjoy having an international internet business and it is doing well.  Almost every month our internet business sales are higher than they were in the same month a year before.

We are very thankful to be one of the most read sites in Ecuador and do very well in the US and Canada too.

May we share our experiences to help you learn how to enjoy this satisfaction and success though international investments or micro business?

Here is a recent ranking of just one of our five websites.

This ranking from Alexa.com shows how our site is in the top 16,000 web sites in America, top 8,000 in Canada and top 500 in Ecuador.  There is more.  While many suffered in 2007, 2008 and 2009, the recession caused our internet business to grow.

Our seminar helps you learn how to use the same tactics we use… with a micro business.

Our sales doubled during the recession.  Our list of readers increased over 100%.  Since the economy picked up our business growth has slowed but business is still growing. This is how good, value oriented business grow by the way.

Value oriented micro businesses should increase steadily in good times.  They do not get caught overextending in euphoria. Then during bad times they are in a position to do really well!

Knowing the micro business philosophies we follow can help you invest better and can help you create an internet success if you desire.

The Western economy has changed… probably forever.  The old ways are gone and those who held jobs… or still have work in the private sector have lost the most.

The economy will recover… but the way people earn and work… and how the money is distributed and to whom especially… has been profoundly altered.  This is especially true in value added countries like Canada… the USA and most of Europe.

We are in an era of global structural change… in economics… in society and in the way we work because technology brings us low cost administration, low cost access to data, low cost communication, and low cost travel, plus the opening of markets beyond logic that rely more on passion and experience than on efficiency and cost.

We look at these economic and structural changes, and what to do about them in the international investing and business portion of our seminar.

We’ll see how markets are shifting from materialistic needs to emotional needs.

We’ll see great opportunity for investors and micro businesses in the following markets:

Love-friendship-control-freedom-tradition-change-big answers-recognition and care. These are emotional needs that create expanding demand and business opportunity. The next generation is having more involvement in every step of the buying process.  Uniting the body and mind is an emerging market.  Natural physical health, fitness will expand but botox and insulin sales will also grow.

Mental health, retreats and spas prosper.  The health of the planet is becoming a more important business.There is a shift of emphasis from GDP to GWB  (General Wellness Barometer Happiness Factor).  Business will operate with more passion.

Meet our Ecuador Export Team

At the June seminar, there was an Ecuador exports workshop with Bonnie Keough.

Bonnie conducts export tours and was on hand in North Carolina to display Ecuador export products and speak about how to export from Ecuador.  She brings extensive knowledge about Ecuadorian products and sales back in the USA…plus never ceases to amaze us with her outstanding array and excellent prices of goods from Ecuador.

In the global micro business sessions we’ll see ideas on:

* How to create export businesses

* Self Publishing

* Internet Sales

* Ecuador Business Ideas

* Organic Business Ideas

* Health Business Ideas

* Ideas for Cuban Business

The second focus in the seminar is “How to Invest Better… globally”.

Diversification of currencies and equity markets is vital…   right now.

One way to diversify is in the Morgan Stanley World Market Index with 22 component markets: Australia, Austria, Belgium, Canada, Denmark, Finland, France, Germany, Greece, Hongkong, Ireland, Italy, Japan, Netherlands, New Zealand, Norway, Portugal, Singapore, Spain, Sweden, Switzerland, UK, and USA.

We will look at ways to invest in this index for as little as $5,000.

Then we’ll see how to invest in emerging markets.

Emerging markets have over performed major markets for more than a decade.

A recent 10 year comparison of major versus emerging markets show some of the reasons that emerging markets are one of the seven places I like to invest in now.

A comparison of the Morgan Stanley Capital index Emerging Market versus Morgan Stanley Capital Index Emerging Market Index.

Annual Return   Emerging Markets 19.81%    Major Markets  10%

Emerging Markets Longest Down period 6 months – Major Markets Longest Down 6 mos.

Emerging Markets biggest downward drop 55% – Major Markets biggest downward drop  53%.

Emerging Markets PE ratio 12.9   Major Markets  PE Ratio 15.2.

Major Markets yield    3.70%.
Emerging Markets yield  3.22%.

In other words in a decade… Emerging Markets have appreciated nearly twice as much as Major Markets.  There has been little difference in the lengths or size of drops and Emerging Markets offer much better PE ratios.  The only area where Major Markets have excelled is yield.

Emerging markets offer attractive returns and a search for value leads us to Brazil and eight other markets.

As of April 2011 the nine best value MSCI emerging markets were: Brazil,  the Czech Republic, Egypt, Hungary, Poland, Russia, Taiwan, Thailand, Turkey at equal weights.

One way to beat the upcoming crunch is to diversify into several of these best value markets and we’ll see how to do so with as little as a few thousand dollars.

Another way we’ll review on how to fight stagflation is with Brazilian bonds. The US dollar interest rate for ten year bonds is about 3%.  Brazilian real bonds pay up to 11%.

Plus there is currency appreciation. Since 2006 the Brazilian real has risen from 44 cents to 61 cents.

There is some extra risk.  Brazil is rated BBB, the USA, AAA but the rating agency Fitch raised Brazil to “BBB stable” so Brazil bonds are investment grade, two steps above speculative level.  There can be volatility. The real rose from 45 to 70 cents from 2006 to 2009.  Then it plunged to 40 cents before recovering back to 61 cents.

My own favorable experience has come from been holding three Brazilian bonds denominated in Brazilian real in my pension portfolio for some time.

Borrower                                    Coupon      Maturity
European Investment Bank     11.125%    14.02.2013
Brazil Republic of                      12.500%    05.01.2016
Brazil Republic of                      12.500%    05.01.2016

These bonds were purchased at excellent discounts back and have been dream investments, the type that causes one to wish he or she had put all their portfolio in.  Of course investing in just one thing is never a good idea because hindsight is so much clearer than foresight.

The bonds, during the worst recession in seventy years have created profit in three ways.

First there is the yield... the quarterly payment that amounts to over 14% per annum on one of the bonds.   The coupon payment (11.25% and 12.50%) of each is really good in its own right.  Yet each bond was purchased at a discount so each is paying more than 12% per annum income.

Second there is a capital appreciation. The 12.5 % Republic of Brazil bond due 05-01-2016 I purchased for $98 ($9,800 for a $10,000 bond was offered in May 2011 (when this report was released) for $117.75. This has dropped the yield to 7.84%.

This means that I could sell each $9,800 of bond I invested for $11,775, an extra $1,975 or  20.15% capital gain.

Third, there is a forex profit. Look at what happened to the Brazilian real versus the US dollar in this five year period of 2006 to 2011. These charts are from http://finance.yahoo.com/echarts

The real rose from 45 to 70 cents from 2006 to 2009.  Then it plunged to 40 cents before recovering back to 61 cents.

In other words during the time these bonds have been held, they gained an added 46% forex profit.

The rising Brazilian real is not just a short term trend either.  The 12 year chart below shows how it began its climb versus the greenback clear back in 2002.

Two global bond ETFs we’ll review with diversified portfolios including Brazilian bonds are:

Market Vectors Emerging Markets Local Currency Bond (EMLC), with about 10% of assets in Brazilian bonds.

iShares JPMorgan USD Emerging Market Bond Fund (EMB), has 8.87% of assets in Brazilian bonds.

Plus we’ll see the WisdomTree Dreyfus Brazilian Real Fund (BZF) ETF that invests in short-term, investment grade instruments and is up 35.14% since inception May 14, 2008. Wisdom Tree has also filed to create a Brazilian bond ETF.

We’ll look at many other equity ideas. You can see a few of the ideas we looked at in previous seminars below.

Plus we will review my personal portfolio… how and why.

The third way to beat the upcoming crunch is by trading currencies.

Now is the time to invest out of the dollar.  At the seminar Thomas Fischer who was a professional currency trader for many years will review Jyske Global Asset Management’s Managed Foreign Exchange (FX) Portfolio, that only invest in currencies.

This combination reduces overall risk and enhances the chances of a good return.

Currency investments reduce overall risk by diversifying investments across different asset classes that do not react the same way to risks because they are not fully correlated. Traditionally stocks and bonds correlate inversely.  When stocks fall bonds rise.

However, the crash in 2008 showed that at times all asset classes can collapse at the same time. In 2008, almost the entire financial market panicked due to fears of a systemic collapse. A fear still so profound it keeps investors overly nervous to the extent where an otherwise insignificant event can result in a massive market tremble.

Currency investments supplement traditional asset allocations of  stocks, bonds and commodities, because currencies do closely correlate with these traditional asset classes when the market panic.

Currency diversification should be an essential strategy for every investor.

You’ll see how to create a Managed Forex Portfolio using:

* Proven currency traders who avoid high volume trading and select investment opportunities with less volatility and fewer trades.

* Portfolios with positions in different currency pairs using stop losses to limit downside risk and using trailing stop losses to lock in profits.

*Regulated leverage depending on your risk factors.

This type of multi currency investing is usually in slow moving, safe, conservative investments but it can be really profitable as well.

The portfolios we create and review at our seminar are mostly composed of ETFs, mutual funds, bonds and shares via ideas developed with the help of one of the world’s safest banks, Jyske Bank… Denmark’s second largest bank  with a history of over 100 years.

Jyske is Denmark ’s second largest bank, with 450,000 clients in Denmark and over 30,000 abroad. Jyske Bank has over 23 billion euros in assets and also happens to be one of the leading currency traders in the world. The Danes have always been big currency traders because as a small naval country surrounded by England, Sweden, Finland, Russia, Germany, Norway and other countries…they have always had to deal in many currencies. This historically gained expertise means that unlike most banks (that trade only eight hours a day) Jyske maintains a 24 hour global currency and commodity dealer service. Many other large banks use Jyske to handle their off hour currency positions. This means that Jyske is huge when it comes to multi currency activity. In fact their currency and commodity trading turnover reaches $50 billion dollars a day.

That’s safe.

Jyske investment managers speak at our seminar and also meet delegates personally.  Here is Thomas Fischer of Jyske speaking to a group at a previous seminar at our farm.

Each seminar reviews global economics and updates ways to adapt and prosper in current conditions. This portion of the seminar reviews what I am doing as a multi currency investor myself.

For example in my portfolio right now I adding German and Swiss domestic shares plus have equities and equity mutual funds.

In each of our investing sessions you’ll see my updated portfolio and why I have made changes, plus my current seven favorite places to invest.

At the last seminar (February 2011) my seven picks were:

#1: Multi Currency Investments.

#2: Emerging Market Bonds.

#3: Good Value European and Emerging Equity Markets.

#4: Turkey & Brazil.

#5: Ecuador & Florida Real Estate.

#6: Silver Shares.

#7: Water Shares.

I explain why my portfolio is designed by me for my circumstances at any one time.

This provides you with two benefits. First sharing why I adjust my investments might be of help to you to understand how to adjust yours.

Second and most important,  I invest real time. The data shared in our courses is about global investments you can make in the here and now. What you learn is not dated theory, but up to the minute fact!

Many delegates come to course after course just to update their portfolios.

Plus the third session, our Quantum Wealth Frequency Modulation workshop  looks at ideas on how to live better…. using frequency modulation to be smarter… stronger…. more energetic… and healthier.

Most of us have never seen such serious economic conditions as those that face us now.  A growing global population… depletion of natural resources and technology are bring social and financial shifts at a pace never seen before.

These shifts will rob many of their financial well being, but fortunately the same technology that is creating the change can also help you gain prosperity like you have never imagined.  We look for ward to sharing these riches with you.

We are in our 43rd year of international investing and business and share what we have learned and where this is leading our activities in our two upcoming International Investing and Business Seminars. Join us

Each seminar updates how we doing business globally and how we are investing… and why… right now. Join Merri, me, Thomas Fischer from Jyske Global Asset Management, Bonnie Keough and our Canadian Cuban researcher.

In the investing portion of each seminar you’ll hear up to date ideas on our multi currency portfolio.  Last seminar here is what we held.

Dollar Bloc  46.6%

Colombian peso .8%
Mexican peso  4.5%
Brazilian real 13.4%

LatAm Bloc 17.7%

Euro   20.6%
British pound  .4%
Danish kroner  3.6%
Norwegian kroner  6.5%
Polish zloty 2.0%

Euro Bloc  32.5%

Singapore $  1.0%

This was our 152nd International Investing & Business seminar and you learn about multi currency investing… how to have your own global micro business… how to take advantage of overseas real estate distortions…  which commodities are now best and how to cash in on them…  plus how to enjoy lifestyles of greater profit, freedom fulfillment fun and adventure.

We are approaching our 30th year of conducting these seminars… each updates global investing and business opportunity you can use.

Part Three of the Seminar: Frequency Modulation – Tapping our inner resources for outer expansion. As change comes faster we must become smarter… more flexible and enhance our ability to embrace and profits from the never ending shifts we face.

The educational program Merri and I have developed uses a different form of frequency modulation that opens enormous opportunity for expansion, understanding, peacefulness as well as greater wealth.

FM teaching uses frequency (in music and with each sense… sight…. smell, tactile and even smell) 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.

FM creates relaxed concentration… a key to happiness, health and success.

You learn whole brain thinking that can help improve your business & investing.

This part of the seminar helps investors and business people integrate their brain waves so they are more intelligent, intuitive and relaxed.

This workshop shows how to get into and stay in a state of relaxed concentration… a mental state shown to enhance almost every human capability.

Merri and I are explorers so we have used this techniques for decades. We  are always looking for what’s next… trying to stay on or ahead of the leading edge and need ways to think outside he box..

This journey has helped us alter the main mission in our lives again and again… every seven to 14 years.

During the 43 years we have been investing and doing business abroad, we have enjoyed capturing seven golden trends

#1: 1970s Gold & Silver.

#2: 1970s investing in Japan, Germany, Switzerland, England, Australia and Hong Kong .

#3: 1980s. The Tigers, Taiwan , Singapore, Malaysia, South Korea & Turkey .

#4: 1990s. South America (which led us to Ecuador).

#5: 2000s. China , India and Eastern Europe.

#6: Invest in Real Estate and Global Micro Businesses throughout.

#7: Bet Against the US Dollar throughout.

Spotting these trends early brought us a strong and continual flow of income. More importantly the process has been fulfilling…. beneficial to society and healthy.    Now you can benefit from the latest… and perhaps strongest… of all the trends we have stumbled upon.

Our writing and talking about each of these trends over 43 years has helped thousands of our readers make and save millions.   The success of our readers has been a driving force in our lives yet we have always wanted to do more so continued looking deeper for a core idea that we could share that provided income, stability, good health and contentment.

Recent events have moved us closer to this core which is why we are developing a way for a few others to join us in the profits and fulfillment of this quest.

Enroll here. We will send you the seminar in audio digital form. Order here

Save $199 Enroll in any of the seminars or online courses below.  You can have the digital seminar free. You save $199.

The guarantee remains. If you are not satisfied… one email from you brings a full refund.  You can keep the digital download free as our thanks for tuning in.

Tours for Earning Income & Gaining Super Thinking

August 31, September 1-2-3-4. To see details click here:  Ecuador Export Tours

October 7-8-9. To see details click here: International Investing & Business Seminar

October 15-20. To see details click here: Ecuador Agricultural Business Opportunity Tour

September 8-11 or November 3-6. To see details click here:  Super Thinking plus Spanish

November 9-10.  To see details click here:  Ecuador Shamanic Tour

On Line Courses for Earning Income & Gaining Super Thinking

To see details click here: Self Fulfilled – How to be a Self Publisher.

To see details click here: Tangled Web – How to Have  Web Business.

To see details click here: International Business Made EZ

To see details click here: Event – Full Business How to Have a Seminar, Course and Tour Business

Order the recorded seminar and workshop here. We will send you the seminar in audio digital form for only $199. Order here

Or save $199 Order any of the tours above and receive the recorded seminars and workshop FREE with your complete money back guarantee. We’ll cancel your seminar reservation and you can keep the digital download free as our thanks for tuning in.

We look forward to serving you

Gary

Read the entire article Is It Time to Buy Junk Silver” Dollars?

Gary Scott – International Investment Value Q&A

Saturday is the day we can express opinions and answer questions to enjoy the wisdom of the masses.  This issue focuses on international investment value.

Each day when I complete my message, I ask myself, “Is there something here that is interesting… and useful that can help make our readers’ lives better?”

We live in a universe of unlimited abundance and wisdom.  Yet that infinite wisdom also uses time to make everything go.

Other times the masses can be impossible and… crazy even in the short term.

In fact short term it is usually best to avoid the masses. See why at “avoid the masses”

A number of readers sent me a question in response to our article “Manta to Bahia Progress” that mentioned a 38 acre beach sit for sale at $15,000. that I wrote about in 2001.

Reader Question: Gary, Thanks for your daily missives, very educational.  The 38 acres you mention, could you please provide me with more info?  I would like to locate this on Google maps. Thank you for expanding on this info, Patrick.

My reply:  Thanks for getting in touch.  Please reread as that quote as it was from an article I wrote in 2001.  In the article I underlined 2001 as I worried readers would miss that fact that the road south is now over a decade old.

However I phrased this badly because a number of readers missed the point and requested the same data you have.

Regretfully you are ten years too late when it comes to looking south but I reviewed that old article to point out what happened back a decade as the new road north can have same impact and I’ll get to toot my horn about this ten years from now (or maybe sooner).

We’ll keep looking for contrast distortions and trends that might help you spot potential now for profits in the years ahead and look forward to sharing 2011 with you. 

Reader’s comment to my message explaining why I paid off my US dollar leverage because I am concerned about currency turmoil in Europe and the US in 2011.  Dear Gary,  I would like to make you aware if you are not to China’s commitment  to protect the Euro. This is new news and they are talking about loaning five billion dollars to Portugal. They have already offered some assistance to Greece.  I do not see the Euro exchange rate dropping very much with that backing. Best regards to you and Merri.

My Reply: Thanks. I hope you are correct. Instability in Europe would not be a good scenario.  However such news does not encourage me. The fact that Europe and China are publishing the fact that China is making these loans probably means that both Europe and China are worried.

Anytime any politician tells me not to worry… I start doing so… hence my added caution.

There is another reason to have concern over dollar euro turmoil.

Photo from the Economist article “Squaring the Triangle”.

THROUGHOUT 2010 financial markets have reflected a strange confluence of views. Government-bond yields have been low (outside peripheral Europe), indicating that investors are expecting low inflation and slow economic growth. But gold, an inflation hedge, has risen steadily, while American equities, a play on growth, have performed well.

This threefold combination cannot last for ever. That it has persisted for so long is probably down to the Federal Reserve’s quantitative easing (QE), which gave comfort to bulls in all three asset classes. The gold bugs saw QE as inflationary, equity enthusiasts saw the tactic as boosting growth and the bond markets had the comfort that the Fed would be the “buyer of last resort” for Treasuries.

Oddly enough, it was the launch of the Fed’s second round of QE in November that seems to have broken the logjam. The ten-year Treasury bond yield has increased from 2.56% to 3.53% since then, with an extra spurt after the announcement of an agreement to extend America’s Bush-era tax cuts, supplemented by a cut in the payroll tax.

Yet in the long run creating money to prop up asset prices is not a sustainable tactic.

Higher bond yields have other consequences that might not be quite so welcome. Mortgage rates in America have risen, casting a further pall over the subdued housing market. Influenced by the Treasury market, yields in Britain and Germany have risen by a third to a half of a percentage point over the past month, even though both countries are making strenuous efforts to keep their budget deficits under control. Higher yields in Germany, which sets the benchmark for other euro-zone countries, put pressure on peripheral borrowers.

Stockmarket investors should also think carefully before they celebrate too wildly over rising bond yields. After all, bulls were previously arguing that low yields were good news for equities, as they encouraged investors to move out of fixed-income assets in search of higher returns. On the best long-term measure, the cyclically adjusted price-earnings ratio, Wall Street looks overvalued on a multiple of 21.9, some 33% above the historic average. That already seems to price in a significant rebound in corporate profits. (Bolds and underline are mine).

The fundamental problem remains. In a “normal” American economy, with 2% inflation and 3% real GDP growth, government-bond yields ought to be around 5%. But yields at that level would be too high for the health of the housing market, the stockmarket and for other governments worldwide. The markets are no closer to resolving that dilemma than they were at the start of 2010.

Here is why I believe this creates a concern.  Governments have done a lot to stimulate the global economy.  This has created debt and soverign debt instability as it pushed up the stock market, but did not really get the industrialized economies growing.  This leads to inflation and higher interest rates which could slow economies again and cause currency turmoil and stock markets to fall.

We review how to invest in these condtions at our February Investing and Business Semainrs in Mt Dora.  See details below.

Reader’s comments: Ecuador real estate is a bubble in the making. Subject: Manta to Bahia Progress

My reply. The bubble may already be made in many parts of Ecuador. This is great for those of us who began buying 15 years ago but it’s also why we have been urging readers for some time to take advantage of unknown areas and why we warn DO NOT TRY to FLIP real estate in Ecuador.

See my previous articles on why you should not try to flip real estate anywhere at http://www.garyascott.com/2010/12/15/11138.html
and http://www.ecuadorliving.com/2010/12/28/investing-in-ecuador-real-estate.html

Read the messages above to see the importance of always seeking value. This is why we always warn: “Merri and I recommend that you Visit First. Then Rent before you buy. Make sure that Ecuador is the place you love and enjoy.  Then buy when you are sure.”

Some places and investments grow too expensive.  Others become really cheap.  Ecuador has become much more expensive than when Merri and I first started living and investing there 15 years ago.   However there is still good value for those who take the time to learn the real estate market and search for value.

See http://www.garyascott.com/2010/12/01/11066.html

After I announced that all visa applications for Ecuador many readers sent comments.

Reader’s Comments: Sounds like it is more of an internal government problem, rather than an  immigration problem. This might give the government a chance to make the process more straight forward, why wouldn’t Ecuador want retires money and knowledge, those that really want to be apart of the local communities and contribute, not those just trying to make a fast buck. I still plan to move to Cuenca the end of this month, I am just finalizing the details now. Thank you for the information, I really appreciate the information you make available, it really helps to gain a true picture of the country from someone that cares.

My friend from Florida moved to Cuenca three weeks ago and has her two children enrolled in school and is already making friends with the locals, not too many single ladies are capable of that on their own, and she and her children are just now learning the language. Now there is a story very few would have to tell. She had no contacts there before moving and only visited Ecuador briefly before making the decision to move there permanently.

Another reader wrote: I have had lunch with the members of the referred to immigration office before and after the removal of the Director for corruption. He was not well liked by the staff and they are witness against him.

My comment.  What makes Ecuador a great place are the people. This is why a woman with two children could move there alone and gain so much support, not because of a government plan.  The best scenario in my opinion would have been that the government never even became aware of the expats coming in.  Let them do as Ecuador’s constitution is designed…. treat all equally in the eyes of the law.  Ecuador does not need special benefits to attract expats and whatever a government does… they’ll most likely get it wrong.  My belief is the less government the better.

However Pandora is probably out of the box on this issue so remember the key to success is adaptability!

Gary

The most powerful protection in life is to be able to earn income globally… not depend on governments.  Learn how to earn below.

Quantum Thinking for Everlasting Wealth Seminar

Quantum Thinking for Everlasting Wealth Seminar.   How to retire from the rat race… at any age.  Where the writing, business and reading world meet.

Gary Scott teaching delegates about quantum wealth.

Learn Quantum Thinking & How to Have Everlasting Wealth with Gary and Merri Scott.

These special seminars look far beyond creating or improving your own business for income.  They begin with a global economic update that helps integrate thinking of the past with the here and now of global economics.

Learn how to integrate your brain waves so you become smarter and how to gain never ending income by continually spotting contrasts distortions and trends.

The seminar is divided into three sessions.

Each session builds on the next to help you learn how to gain freedom, remove stress and earn more by combining powerful tools of thoughts and business action

Sessions One:  Our global World present past and future… seen from outside the box.

Sessions Two: How to have quantum wealth and health with more intelligence with whole brain thinking through “Frequency Modulation.Saturday –  How to Write.

Session Three:  International Micro Business – “How to Have a Global Income “.

This seminar provides a learning funnel that integrates your personal desires, skills and circumstances to current and historical global economic realities.

Here is what you learn:

* Global economic history  - how this combines with each business’s past… future… interest, skills and knowledge. 

The historical review sees  current markets for writers based around economic cycles as outlined first by Russian economist, Nikolai Kondratiev, who proposed a theory that Western capitalist economies have long term (50 to 60 years) cycles of boom followed by depression. These business cycles are to this day called “Kondratiev Waves”.

Kondratiev’s thoughts were refined  by Austrian economist, Joseph Shumpeter, which we have extensively researched and follow the global economy (and US stock market) and how it has moved through a series of bull…. and then a bear (a period of no growth) cycles that each run around 15 year bull as shown in this graph below.

These stock market bull and bear cycles are based on cycles of human interaction, war, technology and productivity.

These cycles are a driving force in the creation of  opportunity.

These cycles are intricately connected with the new waves of productivity that grow from the great human platform of combat. The cycle goes like this.

An economic downturn enhances a war or threat of war. Struggles for survival in the war (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.

Each new invention helped win a war.  Shifting the technology to domestic use… after the war… created a boom.

Each boom leads to excess.

Each excess led to a correction.  The correction creates an economic downturn.

The economic downturn enhances a war or threat of war.

The global economy is currently in a major correction cycle… at the correct time and we should expect that a war (or some major struggle of the epoch or threat of war such as the Cold War) should begin to build!   This latest downturn started almost exactly (1998), 16 years after the last boom began (1982)…which began after the last great human struggle called the Cold War that lasted about a decade when the Soviet Union collapsed.

If the cycle repeats, the struggle should build now due to the poor economy.  If the cycles repeat then the bottom is around 2012-2013.  Everything will seem bleakest… darkest… blackest.

This will be the best time of all in decades to invest!

The epoch of the Cold War fought Maggie Thatcher and Ronnie Reagan fought the evil empire (1981 to 1989).  The war was won when the Berlin Wall came down in 1989 and the Soviet Empire dissolved in 1991. That war created an arms race that created new technology including internet.

The economic war that follows the boom comes from the domestication of technology developed during the struggle.

The technological burst off WWIII accelerated when access to the ARPANET was expanded in 1981 by the National Science Foundation (NSF) which developed the Computer Science Network (CSNET) providing access to supercomputer sites in the United States from research and education organizations.

In 1982 the Internet Protocol Suite (TCP/IP) was standardized and the concept of a world-wide network of fully interconnected TCP/IP networks called the Internet was introduced. Commercial internet service providers (ISPs) began to emerge in the late 1980s and 1990s.

The dot-com bubble (also referred to as the Internet bubble and the Information Technology Bubble) was the post war boom, a speculative bubble covering roughly 1995–2000.

The next step is to decide where this cycle is and how this creates business opportunity through distortions, contrasts and trends.

Contrasts and distortions in currencies, markets and social and demographic shifts to spots trends.

For example we look at how each new wave of technology creates new problems.  Shifts from WWII included increased fertilization in farming and more women at work.  This caused dietary differences in the American family that led to an explosion of health food stores.

* Problems & Trends Create Income Possibilities

Surprisingly the inventors of Graham Crackers and Kellogg Corn Flakes were among some of the first to spur an interest in health food so in the 1920s and 1930s health food stores did start to open in the USA selling products such as blackstrap molasses and brewer’s yeast.  However health food stores as we know them did not start to boom until the 1960s in connection to the newly emerging ecology movement and counterculture to modern living, intense fertilization, pesticides, women at work, etc.

Image the wealth you would have gained  writing about that trend coming!

We  explore potential counter cultures created by the internet… a WWIII technology… that could erupt and ways to write and do business based on this.

We pay special attention to economic distortions.  Distortions create writing opportunities because your micro business is the best investment you can make backed by your own time, effort and energy.

Quantum Thinking For Everlasting Wealth Seminar – October 5-6-7, 2012 West Jefferson, North Carolina.

Join Merri and me. Enroll here $799.   Couple $999

Another session in the seminar shows “How to have an international micro business.”  These sessions are highly practical and usable. They focus on how to use modern technology to start global micro businesses with minimal investments of time and capital.

By starting small and building with stepping stones and a harmonious focus, Merri and I have learned how to almost own several profit generating phrases at Google.  We, along with our webmaster David Cross share the secrets of how you can use words to create your own global income as well.

The seminar shares how we use 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.

We use this system successfully on the internet and share what we do with you as we look at ways you too can have a high income generating business… even if you never leave your home.

This knowledge has really helped previous course delegates. Here is what one previous delegate just shared:

“Gary , I have been working on my website, healthy-holistic-living.com site and I figure it is time for another update. It is really hard to believe it, but my site just keeps growing and growing and I am now averaging 2000 visitors per day!

“What I find to be most amazing is that in just a few short months my site is #1 out of over a million sites and sometimes even millions of sites! As you always say the internet is the ‘Great Equalizer’ anybody given the right tools can compete on the internet.“Below are some of my search results. I only listed GOOGLE and YAHOO but you can find similar results on both MSN and ASK.com.

GOOGLE:

#1 out of 1,190,000 …………………………“definition healthy spirit “

#1 and #2 out of 1,210,000.………………….“benefits to living a holistic life “

#1 out of 1,260,000 …………………………“gaining a healthy mind “

#1 and #2 out of 1,260,000 …………………“benefits to living a holistic life “

#2 out of 935,000 …………………………..“holistic lifestyle tips “

You will learn how to use the same system to expand (or start) your business globally!

This is a perfect era to increase your wealth and improve your lifestyle as you reduce stress with your own a micro writing self publishing business.

Merri and I enjoy having an international internet business and it is doing well.  Almost every month our internet business sales are higher than they were in the same month a year before.

We are very thankful to be one of the most read sites in Ecuador and do very well in the US and Canada too.

May we share our experiences to help you learn how to enjoy this satisfaction and success through your micro business?

Here is a recent ranking of just one of our five websites.

This ranking from Alexa.com shows how our site is in the top 16,000 web sites in America, top 8,000 in Canada and top 500 in Ecuador.  There is more.  While many suffered in 2007, 2008 and 2009, the recession caused our internet business to grow.

Our seminar helps you learn how to use the same tactics we use… in your micro business.

Our sales doubled during the recession.  Our list of readers increased over 100%.  Since the economy picked up our business growth has slowed but business is still growing. This is how good, value oriented business grow by the way.

Value oriented micro businesses should increase steadily in good times.  They do not get caught overextending in euphoria. Then during bad times they are in a position to do really well! 

Knowing the micro business philosophies we follow can help you use the internet in business if you desire.

The Western economy has changed… probably forever.  The old ways are gone and those who held jobs… or still have work in the private sector have lost the most.

The economy will recover… but the way people earn and work… and how the money is distributed and to whom especially… has been profoundly altered.  This is especially true in value added countries like Canada… the USA and most of Europe.

We are in an era of global structural change… in economics… in society and in the way we work because technology brings us low cost administration, low cost access to data, low cost communication, and low cost travel, plus the opening of markets beyond logic that rely more on passion and experience than on efficiency and cost.

We look at these economic and structural changes, and what to do about them in the business portion of our seminar.

We’ll see how markets are shifting from materialistic needs to emotional needs.

We’ll see great opportunity for writers in the following markets:

Love-friendship-control-freedom-tradition-change-big answers-recognition and care. These are emotional needs that create expanding demand and business opportunity. The next generation is having more involvement in every step of the buying process.  Uniting the body and mind is an emerging market.  Natural physical health, fitness will expand but botox and insulin sales will also grow.

Mental health, retreats and spas prosper.  The health of the planet is becoming a more important business.There is a shift of emphasis from GDP to GWB  (General Wellness Barometer Happiness Factor).  Business will operate with more passion.

Learn about other business possibilities…

In the global micro business sessions we’ll see ideas on how to:

* Create export businesses

* Self Publishing/Writing

* Internet Sales

* Ecuador Business Ideas

* Organic Business Ideas

* Health Business Ideas

* Ideas for Cuban Business

Quantum Thinking For Everlasting Wealth Seminar – October 5-6-7, 2012 West Jefferson, North Carolina.

Join Merri and me. Enroll here $799.   Couple $999

The educational program Merri and I have developed uses a different form of frequency modulation that opens enormous opportunity for expansion, understanding, peacefulness as well as greater wealth.

FM teaching uses frequency (in music and with each sense… sight…. smell, tactile and even smell) 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.

FM creates relaxed concentration… a key to happiness, health and success.

You learn whole brain thinking that can help improve your freedom, satisfaction and income through business.

This part of the seminar helps us integrate their brain waves so they are more intelligent, intuitive and relaxed.

This workshop shows how to get into and stay in a state of relaxed concentration… a mental state shown to enhance almost every human capability… especially writing.

Merri and I are explorers so we have used this techniques for decades. We  are always looking for what’s next… trying to stay on or ahead of the leading edge and need ways to think outside he box..

This journey has helped us alter the main mission in our lives again and again… every seven to 14 years.

The Quantum Wealth Frequency Modulation sessions share ideas on how to live better…. using frequency modulation to be smarter… stronger…. more energetic… and healthier.

Most of us have never so many problems that create opportunity as those that face us now.  A growing global population… depletion of natural resources and technology are bring social and financial shifts at a pace never seen before.

These shifts will rob many of their financial well being, but fortunately the same technology that is creating the change can also help you gain prosperity like you have never imagined.  We look forward to sharing these riches with you.

We are in our 44th year of business and we share what we have learned and where this is leading our activities in our upcoming seminar. Join us.

Each seminar updates how we doing business globally, and even how we are investing… and why… right now. Join Merri, me

Spotting new trends and applying them to our micro business has brought us a strong and continual flow of income. More importantly the process has been fulfilling…. beneficial to society and healthy.    Now you can benefit from the latest… and perhaps strongest… of all the trends we have stumbled upon.

Applying the concepts of quantum thinking to spotting trends over the past 44 years has helped thousands of our readers make and save millions.   The success of our readers has been a driving force in our lives yet we have always wanted to do more so continued looking deeper at ways we can share how to have income, stability, good health and contentment.

Join us to learn our most recent experiences and most advanced concepts and ideas.

Quantum Thinking For Everlasting Wealth Seminar – October 5-6-7, 2012 West Jefferson, North Carolina.

Join Merri and me. Enroll here $799.   Couple $999

International Investing With The Concept Conversion Trick

By Gary A.Scott

Last week we began a series on the potential for terror in upcoming markets.

This potential comes because it is human nature to fear change.  When change comes too quickly, the fear turns to terror and one reason for this is because of the concept conversion trick.

Gary Scott speaking about multi currency investing at a Jyske Bank seminar in Copenhagen, Denmark.

My first book about international investing  with the Concept Conversion Trick (published in the 1970s) is  entitled “Passport to International Profit.”

One entire chapter is about this “Concept Conversion Trick” and says:

“The Concept Conversion Trick begins when people agree on a good concept for working and living together.

The people go to work and if the concept is good they will create a paradise.

The government gives them a flag and a song. Then the government pulls the trick.

The government convinces the people that the flag and song are important.

Then while the people are busy watching the flag and singing the song, the government replaces the concept with a set of ever increasing written rules and regulations administered by bureaucrats and backed up by a police force.

This trick trades people’s individual freedoms for a shiver up the spine when the song is played the piece of cloth is waved.

The Concept Conversion Trick turns spirit into matter. Like trading love for a beautiful plastic doll. When the trick has been pulled and the dust settles, the people realize too late what has happened.

Anyone who steps out of line is called unpatriotic or even criminal. He is swatted down by the bureaucracy or police force, crushed with overwhelming power or made an example of so others will tow the mark ‘for the good of society’.

All this is done in the name of public interest.”

If this writing sounds prophetic having been written over 30 + years ago, it was not.

Any simple review of any previous great society shows this trick and evolution.

Like the Roman Empire , things may get better for a while, then worse and then better again. In the long term, as societies age, they lose their original vibrancy and life. Should we be surprised?

Does not every single thing in this universal existence develop in the same way, vibrant and flexible while young and growing thicker and more brittle with age?

My father was a great man (to me).  He loved animals and worked at the Portland City Zoological Gardens. He was a really kind, gentle, fair and scrupulously honest man.

Yet one of his jobs was doing the zoo’s annual budget. I recall him spending weeks late at night (on his own time) working over these budgets each year.

I also remember his telling me that every year they had to ask for more money because otherwise the city government would give them less.

“If we do a good job with their funds, the politicos will penalize us,” he told me.

This is how the bureaucracy and society works, millions of small units each trying to grow and spend a little more, until the whole thing swells into an unstoppable mass of self-interest.

This is the universal nature to grow until the growth becomes so excessive that balance is lost!  This truth shows us the nature of mankind and every underlying force that goes from birth to continuity and then transformation. This is the way of life and if we are smart investors we recognize this and adapt.

For about 65 years (1915 to 1965) … the USA became the leading most powerful economy.  A global concept… that America… the biggest and the best would lead the way. Its economy… its currency… its Yankee ingenuity would drive the economics of the world.

Now as this concept fades and no clear alternatives arrive… investors are feeling great fear.  This may lead to investing terror!

This is why I have almost always bet against the US dollar for the past four decades.

This is why my business has been global for more nearly 40 years.

This is why I am short the US dollar though I hold many assets in the USA.

This is why I invest in real estate.

This is why I diversify in multiple currencies and countries.

This is why I have been so involved in Ecuador. My experience is that Ecuador is very democratic free country filled with sweet friendly people.

This is why I focus on keeping my micro business diversified internationally.

This is where I am putting my money to protect (and so far) profit as markets are dominated by fear.

Others may choose to disagree. I hope so.  Disagreements create markets!  and this is exactly what will create the extra potential for those who invest now.

Gary

Multi Currency Portfolios Report – “Borrow Low – Deposit High”

Multi Currency Portfolios Report. A Survivors Guide to Currency and Market Turmoil.

“Borrow Low Deposit High – How to Use the Multi Currency Investment Sandwich”.

Order “Borrow Low Deposit High – How to Use the Multi Currency Investment Sandwich.”

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 you 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.

The US election is over… but not in the mind’s of almost half the American voters… who lost.    The US as the economic engine that has been pulling the world is a nation divided and the administration for the next four years… good or bad… has huge challenges and pitfalls ahead.

The view of the election results in markets around the world was dim.  US Stocks plunged and the Dow had its worst day of the year.  Other north and South American markets finished sharply lower.

Euro markets dropped because the German economy is slowing and tens of thousands at Greek rallies against austerity turned violent.  Protesters in Athens threw Molotov cocktails at the Parliament and police fought back with tear gas outside.  World markets slid on a weak growth outlook.

Optimism

This bad news is all good for those who are prepared so 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… explaining the FREE car plus how the millions were gained and lost.

Here is the true story… a tale of politics, economics and US debt.

Once upon a time 1981 to be exact… similar circumstances to the current 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 crashing and the a new government and President were turning on a money printing machine.

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

You often hear we are living now through the worst recession since the great depression.  This is statistically wrong.

The U.S. economy may seem in bad shape now, but 1982 was worse.

The economy is not as bad as it was after the 1980 election.  It’s not even that close to being as bad. The ranks of unemployed and underemployed were much larger in 1982 than today.

The first big blow to the economy back then was the 1979 revolution in Iran. That glitch sent oil prices skyrocketing.   The bigger blow was a series of sharp interest-rate increases by the Federal Reserve, meant to snap inflation.  Home sales plummeted.  At their worst, they were 30 percent lower than they were when the real estate market bottomed in 2011.  The industrial Midwest was hardest hit, and the term “Rust Belt” became ubiquitous.  Many families fled south and west, helping to create the modern Sun Belt.

Nationwide, the unemployment rate rose above 10% in 1982, compared with 7.9% now.

The times were much darker.  In October 2012 another 6.7 percent of the labor force can be added to the current 7.9%. This group have given up trying to find a job or are involuntarily working part time.  These groups bring the combined underutilized employment rate to 14.6%.

As bad as this number is, it is still not that close to the 1982 peak of 16.32%  (or anywhere near its Depression levels, which were probably above 30 percent). The early ’80s really were that bad.

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.

Debt Growing

There is another similarity in the 1980 story to the here and now… a runaway US debt.

As this chart below shows, the US debt debacle really began after that 1980 election.

Click on photo to enlarge.  Debt by President graph at zfacts.com

Now the story begins.  The stock market began a 17 year bull cycle that led to the greatest US and global affluence known to the recorded history of mankind.

The chart below says it all.    From that darkest hour, the Dow Jones Industrial average rose 1,410%.

These stock market bull and bear cycles are based on cycles of human interaction, war, technology and productivity.

Our hero in the story saw the coming stock market boom… despite the fact that everyone thought everything was bleak and black.   He approached Jyske Bank and said he wanted to invest in the stock market and wanted to leverage his bets.

His goal was to make enough 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 manger 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 manger 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 manger called.  “You have made three million bucks… perhaps 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 manger 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 manger called again.  “You have lost  another  million bucks… its 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 manger 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 morals of the story

#1: If you get into the market at the beginning of a long term bull… you can make a lot of money… quickly.

#2: When you leverage the investments with low interest leverage the profits come even faster.

#3:  When you leverage investments… you need a plan and discipline.

This is why I want to introduce you to our Multi Currency Portfolios Report entitled “Borrow Low Deposit High – How to Use the Multi Currency Investment Sandwich.”

Order “Borrow Low Deposit High – How to Use the Multi Currency Investment Sandwich” $79.

This is a report that can help anyone with even a few thousand dollars to invest (or millions) diversify globally for safety and long term success.

The economic explanation below follows global multi currency and markets positions from 2006 through to the earthquake and tsunami in Japan so you can see how multi currency investing should flow.

This will help you learn how to protect and enhance your savings and wealth as the US dollar and stock markets rise and fall.

The US dollar has fallen… badly against major currencies like the yen, euro and Swiss franc for 41 years.

For example here is the long term, steady appreciation of the Japanese yen versus the US dollar.

Click on photo to enlarge.

Three Opportunities of Which We Can be Sure.

First, The US dollar will fall more…much more as stock markets in the USA and globally enter their next bull phase.

Second, there will be confusion. Many…in fact most uninformed investors will lose…a lot.

Third there will be inflation…worldwide due to the excessive spending in the current global financial bailout.

Smart investors who know how to spot value in multi currency portfolios at some of the world’s safest banks have already earned 57%…120% …263% so even with the doom and gloom, they are still ahead.

Borrow Low Deposit High helps you learn how to find good value and develop multi currency portfolios that suit their specific circumstances.

Before I explain how you can use this report, let’s look at both the up and down side of these high performing portfolios?

The report provides an extensive beginner’s guide to developing multi currency portfolios backed up by our decades of experience working with Jyske Bank and its investment management subsidiaries to create and track multi currency portfolios real time.  The report data comes from dissecting and discussing the portfolio results.  This is a totally novel way to learn…real time from real portfolios created by some of the best investment managers in the world as these portfolios rise or fall in the market place…in the here and now.

Jyske Bank assists by providing portfolio details.   Our symbiotic relationship allows me to combine my experience with this bank’s incredible knowledge, real time capability and expertise so reader of my report can learn in a most practical way from some of the greatest multi currency experts in the world.

Here is our educational performance over the past six years.

We created five portfolios for educational purposes beginning in 2006.  One of the five multi currency portfolios was the Asian Emerging Multi Currency Portfolio. The portfolio started with a $100,000 investment and a $200,000 loan in Japanese yen (more on the loans in a moment).

This gave us $300,000 to invest in this portfolio.

Investments Total Value 300,000.00

Invested $100,000

Loan $200,000 100.00% JPY at 1.63%

Loan cost for one year $3,260.

This portfolio diversified into bonds and equities throughout Asia ..very multi currency.

Chinese yuan, Indian rupee, Japanese yen and more.

Twelve months later the portfolio was worth $417,420. Paying off the loan cost $203,260 leaving $214,160 or $114,160 (114.16% profit) on the $100,000 originally invested.

On November 1, 2006 we made the five changes mentioned above.  We dropped the Japanese equities and emerging market bond mutual funds and added an Eastern European, Far Eastern and Turkey equity mutual funds. This is how the rearranged portfolio stood.

Investments Total Value 300,000.00

Invested $100,000

Loan $200,000 100.00% Czech Koruna at 3.875%

Loan cost for one year $7,750.

As promised this portfolio only had five changes. We swapped the Japanese equity fund for a Eastern European equity fund and dropped the bond fund replacing it with a Far Eastern and Turkey equity fund.

May I, at this point, interject a note about Jyske Invest fund managers. They are a Danish firm and are the investment management affiliate of Jyske Bank. This rock solid organization uses a good value system have been rated #1 by Morningstar. They use this value system to select shares in their mutual funds and we place these funds in our multi currency portfolios because they are strictly regulated by the Danish government and have such an excellent record…because they focus on finding value, not market timing.

So how did this new updated portfolio do? From November 1, 2006 to October 31, 2007 the fund rose in value from $300,000 to $430,370. The loan payoff of $207,750 leaves a profit of $222,620 or a rise of 122.62%.

There you have it, a portfolio created at and held in one of the world’s safest banks. With only three trades in two years the performance has been up 114.16% in year one and up 122.62% in year two.

I am sure that when looking at performance like that you are thinking “how did the other portfolios do?” Good question and your suspicions are correct…some of the other portfolios did not rise this much.

Yet believe it or not some portfolios did even better.

For example the 2007 Green Portfolio consisted of six shares and rose 266.30%!

Here is the exact performance of all five portfolios for the last two years.

You can imagine with performance like this attracted quite a bit of attention…and it did.  However these high returns are not the important benefit you gain with our multi currency report.

The report Borrow Low Deposit High does not recommend specific portfolios.   The portfolios in the report are educational and designed to help readers work with their own investment manager to create their own multi currency portfolio that suits their own special, individual needs.

Our multi currency investment report helps readers learn how to manage their manager… nothing more.

Yet this is incredibly valuable because Jyske Bank can provide a stable and safe institution for those who wish to employ a multi currency strategy.

The report helps guide readers so they can direct any investment adviser or investment manager who understands how to invest in more than one currency.

The report also helps you learn why and when to invest in shares, how to leverage, how to create discipline and manage risk. The incredible portfolio performance above was achieved because the portfolios were leveraged using a tactic we call a multi currency sandwich.  Investors borrow low and invest in yielding or growth portfolios. The portfolios used loans in Japanese yen and Swiss francs to magnify profits in good times.

The report teaches how these loans can magnify losses in bad times as well.

For example look at the performance of the leveraged portfolios we created to study from November 2007 through September 2008.

Leverage in 2008 caused the portfolios to lose badly… in one instance the total portfolio was lost!

The report  Borrow Low – Deposit High is useful because it helps investors not to expect rising markets all the time.

The course helps subscribers learn how to look ahead and act rather that react (after the fact when it is too late).

The sad fact is… we all have to become multi currency investors.  Trusting your fate to any one currency now can destroy your purchasing power.    Every investor needs to know what to do!

The report helps learn how to look for times when to leverage and for times when to retract.  The idea is to cash in when the going is good and then withdraw.

Plus the report combined with our regular personal portfolio updates helps you to stay on top of currency and investment markets.

For example in 2007…  we began warning readers to exit the markets well before the crash.  Our first of many early warnings said:  “We have enjoyed two years of enormous growth.  Periods of high growth are normally followed by periods of low growth.”

In 2012 we became bullish on equity markets again and history suggests that despite the doom and gloom so many preach… we are at the threshold of the next big global economic acceleration.

This is why I invite you to read my current update of Borrow Low Deposit High…  in the beginning of this wave when profit potential is greatest.

This report has been read by tens of thousands of investors over the years.   This report sold for decades as a survivor’s hand guide to currency turmoil for $79 and we are not raising the price now just because the next bull market is beginning.

As always you are protected by our 30 day completely satisfied or your money back guarantee.

Order “Borrow Low Deposit High – How to Use the Multi Currency Investment Sandwich” $79.

Here is what a few others from around the world have said about our services and reports on international investing.

“Gary , I am a long time subscriber in various media, and while cleaning out my files today I found some old ‘Gary A. Scotts World Reports’. In particular, the April 1988 issue provided the info that made me over a million dollars. Just wanted to say a belated ‘thank you’ and please continue the excellent work. Warm regards,”

From an Unknown Reader

“Dear Gary, I would like to give thanks to you for introducing me to Jyske Bank two years ago.

“I have been a long-time client of Merrill Lynch, but am in the process of re-evaluating my relationship with the largest brokerage company in the world. My problem is that when I compare Merrill to Jyske, Jyske outshines Merrill (or other major U.S. brokerage firms) in most categories as follows:

“1) Even though Jyske is much smaller, it has a much more global perspective which is critical in an evermore global investment environment.

“2) In order to maximize their own individual revenue, the brokers at Merrill prefer to outsource the day-to-day management of their accounts to various fund managers and hence, ‘manage the managers’. In contrast, I can call my Account Manager at Jyske and he can discuss every aspect of my account in detail with me.

“3) I attribute this difference in #2 to the fact that Jyske’s employees are not compensation driven, but instead are focused on satisfying their customers. That is why Jyske’s clients stay with the Bank on average for 12 years, which is phenomenal by Wall Street standards.

“4) Jyske’s security is far more stringent than that of Merrill’s. In addition to the standard account code and password, to pass through Jyske’s security one has to enter a Key Card number and also a randomly-generated 4-digit number from said Key Card.

“5) Having an account offshore allows me to sleep better given the anxious times we live in. Since I report the existence of the account and pay all taxes due, I am fully compliant with the law. However, such an account gives me and my family a ‘financial life boat’ should events in our own country ever get out of hand.

“As Dorothy Parker once said, ‘You can lead a horse to water, but you can’t make them THINK’. Jyske is a thinking person’s bank. My only complaint is the time zone difference since I live in California . However, since I am an early riser and my Account Manager is very responsive to my emails, this problem is very small relative to the HUGE benefits.

“Again, many thanks for introducing me to Jyske Bank. Given the ‘dumbing down’ that occurs in the popular media today, your ezine and its recommendations are ever more important. Please continue your good work to enlighten your readership.

“Warm regards,”

C.M. CALIFORNIA Businessman

“I was so overwhelmed with information I received I had to spend several days reading, sorting and filing it! I have decided to move my modest investment capital overseas.”

B.W. MONTREAL CANADA Professor

“Send me your report on safe banks lending at 7% for redeposit at 13% or more.” B.V. ADDIS ABADA ETHIOPIA Economic Commission United Nations

“A number of new and significant contacts were made. It would be extremely helpful if you could supply us with WORLD REPORTS.” I.M. TORONTO , CANADA Banker

“You are as good as your word which is rare these days. I look forward to attending one of your seminars.” C.K. GENEVA , SWITZERLAND Banker

“In spite of my marketing experience, your information really got me going!” M. C. LONDON, ENGLAND Marketing Consultant

“Thanks for the three reports. They are very interesting and should find many readers here in Japan .” M.A. Tokyo , JAPAN Computer Programmer

“I would like to say how much I enjoyed the information I received.” A.B. Providenciales TURKS & CAICOS Accountant

“First let me say how much we enjoyed the investment seminar.” W.J. SAUDI ARABIA Oil Engineer

“Once again thanks for all the great information.” G.K. PERTH , AUSTRALIA Insurance Executive

“Your letter of November 8th warned me to beware of the market just a week before the 120 point crash on November 15th!” T.G. N. CAROLINA Pilot”

Enhance Privacy

This report also helps you learn how to legally enhance privacy. The erosion of privacy is caused by technology and the global economy has made the erosion global.

Doctors, accountants, businessmen, political activists, and others have found themselves the targets of federal prosecutions, despite sensibly believing that they did nothing wrong, broke no laws, and harmed not a single person.

One of the areas especially targeted are the finances and privacy of individuals.

Over the past four decades I have watched the rights to privacy of everyone’s financial affairs slowly erode.

There are always positives that balance the negatives though.  As one loophole closes, others pop open.

For example a change  in a US privacy reporting requirements now allows almost any investor to hold assets abroad… legally without reporting the fact.

The primary document used by US government to keep track of US investments abroad is the Treasury Department Form 90-22.1.   This must be filed any year a person have an interest in, or a signing power on any foreign bank account or other types of financial accounts outside the United States.

Previously these accounts were defined as:

•    Bank accounts (checking and savings)
•    Investment accounts
•    Mutual funds
•    Retirement and pension accounts
•    Securities and other brokerage accounts
•    Debit card and prepaid credit card accounts
•    Life insurance and annuities having cash value

A new loophole has opened that allows Americans to hold substantial amount abroad in large safe banks without filing this form.

I have created a short report explaining this and the “Borrow Low Deposit High – How to Bank and Invest Abroad” subscription includes the new report on how to hold even large sums in an overseas bank account with having to file a TDF 90-22.1.

Your report is guaranteed.  Satisfaction or your money back.

Order “Borrow Low Deposit High – How to Use the Multi Currency Investment Sandwich” $79.

Gary

See yen chart at businessinsider.com

See yen chart at chartrus.com

See more on the National Debt Graph here