Tag Archive | "internet"

Two Freedom Tricks


Here are two tips that can help you have more freedom in Smalltown USA.   Here is a way to get extra good value, if you are looking to increase your freedom by escaping the crowded frenzy of gridlocked cities.

The three most important foundations of good real estate are… “location, location, location”.  The best way to get good real estate value is to put property BEFORE there is a change in its location.  The annals of history are filled with stories of investors buying land before the public knew that a railroad line or factory or airport or shopping center or some new economic venture was about to come in.

For example, our nearest shopping town, West Jefferson, was formed when the Virginia-Carolina Railroad decided to run a line through Ashe County.  Those in the know people purchased land where a station would be and in 2015 incorporated the town with boundaries extending one mile in each direction from the Virginia-Carolina Railroad depot.

The value of location changes with any shift in a land’s utility.

In the past, “good location” meant access to foot traffic or people or crowds.

If you want to open an ice cream stand, you want a location like this Albanian beach rather than…

real estate

A popular beach in Albania.

something like the most remote cabin we have at our farm.

multi-currency-horses

The primitive cabin at Merrily Farms.

A lot of us want to get away from crowds, be remote, but still connected.

This is possible because technology continually changes the meaning of “good location”.

Little Horse Creek

This is the road to our Blue Ridge house.

Our home in North Carolina is remote.  At a time there can be obstacles to getting to our house.

little horse creek

Our covered bridge during construction.

Before we installed three very large drains, we could not even get in or out, when Little Horse Creek flooded.

The bridge is secure now, but honestly it does not matter so much because of our broadband.  In today’s connected world… a good location is defined as much by access to broadband as it is to foot traffic.

Our local telephone company installed fiber optics throughout the area.  This changed everything.  We get 45 Mbps, up and down, for $45 a month at the farm.  We could have a Gbps (for only $200 a month) if we wanted or needed that much bandwidth.

broadband

Such great broadband is currently not norm in rural America.  

A Wall Street Journal article, “Rural America Is Stranded in the Dial-Up Age” (1)  tells how high costs and lack of access to broadband service prevent residents of far-flung communities from joining the modern economy.

The article says:  Delivering up-to-date broadband service to distant reaches of the U.S. would cost hundreds of billions of dollars, experts estimate, an expense government, industry and consumers haven’t been willing to pay.

Counties without modern internet connections can’t attract new firms, and their isolation discourages the enterprises they have: ranchers who want to buy and sell cattle in online auctions or farmers who could use the internet to monitor crops. Reliance on broadband includes any business that uses high-speed data transmission, spanning banks to insurance firms to factories.

About 39% of the U.S. rural population, or 23 million people, lack access to broadband internet service—defined as “fast” by the Federal Communications Commission—compared with 4% of the urban residents.

This is changing.  Many local phone and electric companies are planning to bring increased bandwidth into rural areas.  Some big communications companies are working on lower cost technology, such as AT&T’s AirGig system now being tested.

AT&T stated a couple of years ago that it has technology “ready to go” to deliver the high-speed wireless broadband via satellite dishes attached to DirecTV customers’ homes.  They have also started field trials for a system (they call AirGig) that uses low-cost plastic antennas placed on power lines so that the existing infrastructure is a guide for broadband signals.  The power lines don’t carry the signal, and no electrical connection is needed.

Freedom Tip #1:  When investigating areas for real estate potential, look for upcoming changes in bandwidth the area.  Check with local phone companies, and the big companies to see if bandwidth increases are planned.

If not, then consider the second freedom tip.

Freedom Tip #2:  Turn problems into opportunity.   Bring in extra bandwidth.

An NPR.org article “Widening the Internet Highway to Rural America” (2)  tells the story of how a man in West Virginia brought wireless Internet into his community.

He put on a climbing harness, shook back his aversion to heights and scaled a tower on a hill at the geographic center of the state to put a microwave dish on top.  The dish receives a wireless signal from another tower 10 miles away and redistributes it to the homes nearby.

The man and volunteers started their network with about $10,000. It costs very little to keep it running.  West Virginia Broadband leases dish space on most of the seven towers it uses for $1 a year. They buy their bandwidth — the wireless signal — from a wholesaler for about $600 a month, and buy surplus equipment on eBay.

The voluntary donations from the 100 or so people who use the wireless service more than cover the expenses. Members are asked to contribute whatever they feel it’s worth.

West Virginia Broadband, is a nonprofit volunteer-run organization that provides Internet service to residents and businesses who were trapped in the slow-moving world of dialup.

This creates three opportunities.  First, there may be profit in running such a co-op.  Second, even if it’s non profit, the broadband can dramatically change the value of the surrounding property.  Third, it offers a chance to buy real estate at a low price, before bringing in the increased bandwidth.

There may be a fourth, invisible but enormously important benefit.

The NPR article said: “When you have a community effort like this, the members of the community feel a sense of ownership.  We may operate [the network], but it’s held in the trust of citizens of the community.  It’s for the public benefit and for the public good.”

The cooperation may unite the community and make it a friendlier and better place to live.

Problems can create opportunity.  The problem of crowded cities, pollution, traffic jams and increased crime create an opportunity in Smalltown USA, for those who want to move.   The problem of inadequate bandwidth creates opportunity who look for upcoming changes in broadband or those who may want to bring the change to the land.

Gary

(1)  www.wsj.com: Rural America is stranded in the dial up age

(2) www.npr.org: Widening the Internet Highway to Rural America

Live Anywhere – Earn Everywhere

While the world was distracted by the American politics, a more important power struggle is taking place.   If that struggle is lost what’s left of our privacy, the safety of our food supply, the control over our health, the safety of our money and even the sanctity of our opinions and thoughts could be lost.

Almost half of America’s voters rejected the postwar global economic order. This could leave a cloud of uncertainty over the U.S. and world economies, that create market risks at any time.  Yet the bigger danger continues to grow.   This struggle is taking place, right now.   You are reading about a tiny part of this conflict daily in the news.  Part of the danger is that most of the clash is hidden from view.  The public does not see underneath the visible spin nor do they understand the truly horrible consequences that losing this struggle brings.

The great risk comes because there is an association forming that could not only impact health care, nutrition and the environment, but can control what you read on the internet, see over cell phones, watch on TV and what trends in social media.  In short everything you write or say could be used  to control what you hear and read.

The warning shot, that could be seen, was the merger between Bayer and Monsanto.  This union is horrible enough, yet is only the tip of the iceberg as there are seven companies involved in a more sinister plot.

The momentum of this dangerous alliance has picked up much faster than anticipated.   I began researching and preparing a report “Learn Anywhere, Earn Everywhere” last month when the Bayer-Monsanto merger was the big deal.   Bayer and Monsanto are two of the seven firms involved in this almost invisible take-over of our food and medical services as well as the internet, cell phones and TV.  I started researching when I found the depth of the Bayer-Monsanto merger.  I was truly concerned and shocked because my research discovered that the consolidation of Bayer and Monsanto is not the biggest merger nor the most dangerous by far.

I miscalculated how much time we have.  I went to work on the report right away, taking my time to delve deeply, but even before I have finished the report, events have begun to heat up.  The pace of this hidden unification has increased.  Now another merger is taking place, far more destructive and the alliance has an incredible lobby program working to make sure that the deal goes through.

A triad of three huge concerns and four smaller ones with hundreds of billions of dollars have built one of the most formidable lobbying operations in Washington.  Nearly 100 registered lobbyists are already on retainer and they include former members of Congress.   One company in this heptagon is also the largest donor to federal lawmakers.  The donations we know of equal more than $11 million to 374 of the House’s 435 members and 85 of the Senate’s 100 members in this election cycle.

This deadly seven point affiliation is likely to snake into almost every part of our livelihood.  One part of the cartel will increase our dependence on modified food that can purposely increase our needs for pharmaceuticals manufactured and sold at outrageous prices by another arm of the group.  The organizations will know more about us than any other group in existence.  They will (in fact they already are) act as spies for the government.  This amalgamation will control what ads we see, the products we buy, listen into our phone calls and even monitor and influence what we see on TV.

Sadly most of the public will not even know that this fusion has taken place.  Life will appear to go on as normal.  They won’t even see the change as what’s left of their good life which could be drained away by corporate malfeasance.

This is why I am rushing a report to you so you can be one of the few who avoid the ruin of this alliance and even gain rather than lose what’s left.  The report contains seven steps we can take to gain benefits and protection from this cartel.

Here is some background.  At the beginning of the 20th century, Carl Duisberg, the head of Bayer, created a profit sharing cartel from three firms BASF, Bayer and Agfa, called the Dreibund (Triple Alliance) or little IG.

This German chemical association dominated commerce everywhere under the name of IG Farben, the largest company in Europe, the 4th largest anywhere and the largest chemical company in the world.

Because “Power Corrupts” this company morphed into something truly evil before and during the Second World War.

After WWII IG Farben was considered so morally corrupt it could not be allowed to continue to exist and was split into its original constituent companies.  Today Agfa, BASF, Sanofi and Bayer remain.

This is where facts become truly scary.  Some of these very same companies have merged with other mega concerns to create a new American Dreibund (a Triple Alliance dominating the USA).   This new cartel has such power it can take control of your food, your medicine and even influence if not control what you read and the information you access for health and wealth.  Even worse, they can monitor everything you do and give it to others in government and business as well.

From a political point of view we cannot do much about this alliance.   The cartel has hundreds of billions and hundreds of lobbyists.  They are making their big move right now, to take advantage of the election distraction.  They know that right after the election politicians are willing to accept bad news because it will be forgotten in four years.  In addition their greatest enemy in the government has only a couple of months left as the head of the Federal agency that will fight this cartel.

Only a few people will know how to take advantage of the inadvertent advantages we can gain from the results of this alliance.

The sooner we act, the greater the benefits.   This is why I want to rush my newest report “Live Anywhere-Earn Everywhere” to you.  This report shares how to protect what you have from this coalition that is taking over mainstream media, our food supply as well as our medical history, health care and communications.

Fortunately a loophole can set you free.  You can protect what you have and actually improve your situation, a lot.  Merri and I have already jumped though the loophole and want to share why and how you should too.

How to Gain Extra Freedom – While Almost Everyone Loses Theirs.  Become a Pruppie!

May I coin a new word, Pruppie?

We all know about preppers.  They believe that the world, as we know it, is about to end.  And we also know about Uppies, upward professionals as in Yuppies, young upward professionals.  Uppies expect their world to get better.

The reality is that our worlds have changed and for most of us, there is still great opportunity for a better lifestyle, yet the preppies could be right.

I invite you to join Merri and me as Pruppies, those who expect the world to get better and live and earn based on that expectation but enjoy a progressive lifestyle of freedom that also happens to prepare us for bad times as well as good.

Just in case… the world goes sideways… we will still survive and prosper anyway.  We do not give up anything much.  We can enjoy the good parts of the new economy, as we protect ourselves from what can be bad.

For example in this report, you’ll see how to make your dining room table bring you more control, more time, more income and more freedom.  After all, what can be more accessible than a dining room table?

ecuador-banks

You’ll even learn how to turn dining room tables into income and tax deductions as we have with these dining room tables we build out of local wood.

Let me be clear.  I expect that the world will get better, at least for the few who adapt and avoid the dangers the American Dreibund has planned for the public.  The wealth of the world, albeit with inequality, has continued to grow.  There is an incredible new economy that’s opening for those who know what to do.  There are great new opportunities and many of them offer enormous income potential but also works well in disaster scenarios.

Let me provide one simple, concrete example.  Ginseng.  This is a great health root.  The demand is growing especially in China.  At times good dried Ginseng sells for $1,000 a pound!  This is an incredible and easy crop to grow.   The less care you give it, the more valuable it can become.  Yet if everything goes south, the health qualities will be good to have and make it an excellent barter item.  Once you know what to do with ginseng, it’s easy to grow in your back year.

Even better one of the best kept secrets is that ginseng and 125 other medicinal crops that are currently unsustainable but can be grown on land  that is extraordinarily cheap.

goldenseal ginseng

Ginseng growing in our back yard.  I know about growing ginseng through experience and explain why and how in the report.

There are are specific places that reduce your living expenses, easily increase your income, make you smarter, healthier and provide tax benefits as well. 

Learn about these specific places.  More important learn what makes these places special and seven freedom producing steps that you can use to find other similar spots of opportunity.

Here are some of the experiences this report shares:

The report includes a tax and career plan broken into four age groups, before you finish school, from age 25 to 50 – age 50-to 65 and what to do when you reach the age where tradition wants you to re-tire.  (Another clue-you do not need to retire and probably should not).

The report is very specific because it is about what Merri and I, our children and even my sister and thousands of our readers have done and are doing.

Live Anywhere – Earn Everywhere focuses on a system that takes advantage of living in Smalltown USA, but earning globally.

  • Learn about the magic of the north facing slope.   This is where Merri and I live almost half of our time.  North facing mountain land is some of the least expensive in the world but has hidden values that the report reveals.  There is a lot of this land and a lot of hidden value that you can tap.   When we bought our Blue Ridge farm (252 acres) I mentioned this to my Swiss banking friend.  “That’s bigger than the entire village where I live!” was his response.  Smalltown USA offers a last chance at having a lot of space.  By living in two Smalltown places there are enormous tax advantages as well.  One step in the system saves Merri and me over $28,345 in taxes a year.

The report shows how to buy cheap north facing slopes and create an income producing tiny home for $29,000 or less.

If you lack the $29,000 to invest, a start up using tents is even less.  These are tipis we put up at our farm before we built our first tiny home.  Learn how they can create tens of thousands of dollars in income for you.

Fwd: gary-scott-tipis

  • See ways that small businesses like Tipi rentals can create BIG tax savings as well as extra income.  For more than 30 years Merri and I have enjoyed a strong six figure income, some years more, in the millions.  Yet there have been very few years when we had to pay federal income tax.  The report lays out a three structure program and how it is used when you are in school (up to age 30), then from 25 to 50, 50 to 70  and beyond 70.   Learn why Chapter C corporations and pensions can be better than the normally recommended Chapter S.  See how new mileage log rules gives you a possible opportunity to increase your tax deductions using IRS Form 4562.  Using a two-vehicle strategy you can gain $12,976 in new deductions even if you do not have to drive one mile further or spend one additional penny on your car.
  • See how a greenhouse can help you eat better and be healthier, plus provide income and a tax deduction and be funded by a government grant.

gary-scott-farming

Our North Carolina greenhouse.

gary scott greenhouse

Our Florida greenhouse.

  • There are similar benefits from having a second home office defined in IRS publication 463 and IRS publication 587, even if your desk is a dining room table.  The report also shows how your dining room table can become an actual income producer as its creates a huge tax deduction at the same time, not to mention a great place to eat, work and lay out plans for a brighter, safer more lucrative and enjoyable future.
  • Living in this environment is also healthier, economically as well as physically.  You’ll see in the report how researchers at Harvard found an amazing correlation between living in conditions found on north facing slopes, longevity and mental health.  The researchers were quite surprised by this strong correlation that also extended into mental health.  In addition to feeling better, reducing stress and having more Joie de Vivre the places outlined in “Live Anywhere-Earn Everywhere” can help you avoid hospitals, high cost disease management (aka health care) and BIG pharma while providing an investment opportunity in three plants that have some of the fastest growing demand in natural health care.  These three plants are just one of seven business opportunities that can create multiple streams of income.
  • How changes in cell phone and internet technology eliminated the need to be in one place.   An old law that creates new opportunity for small business in small towns is available to everyone.
  • Use the specific search and purchase guide.  Construction plans are included that show how to generate first tier income that leads to five, second tier avenues of earnings.
  • How to pay off old debt and avoid new debt by avoiding spurts and embracing value. 
  • Learn seven skills that will always have value.  See how to turn First Aid, medicinal plants, hospitality, food, trees, alternate energy and writing to sell into everlasting, low stress wealth.

merrily farms

This pond at our farm is a pleasure but also helps create a safe, healthy food supply and creates a tax deduction as well.

My Guarantee

This may be the most important report I have written in 50 years.  The information is certainly the most urgent.  Do not delay.  The risks are upon us right now and you’ll understand how the final steps of the alliance are taking place as you read the current news.

To take any risk out of gaining this urgent information with my full satisfaction or money back guarantee.  If you are not totally happy, simply let me know.  I guarantee you can ask for a full refund any time within 60 days and I’ll refund your payment in full, no questions asked.

You can keep the reports as my thanks for ordering it.

Order the “Live Anywhere – Earn Everywhere Report”  $39.99. Click here.

Gary

 

Technology and Dickens


Like something out of a Dickens novel, technology brings the best of times and the worst of times.   For example, America has been the breeding ground, growth place and exporter of some really great innovations such as the internet.   Ironically this really valuable export is threatened by America’s worst export… “extra territorial jurisdiction over financial affairs”.

Those who learn how to spot and embrace change have the best change of gain with extra profit.

internet

The Internet, a great American export threatened by the worst export in the world.

Extraterritorial jurisdiction (ETJ) is defined at Wikipedia (1) as “the legal ability of a government to exercise authority beyond its normal boundaries”.

The definition also says: “for the claim to be effective in the external territory (except by the exercise of force), it must be agreed either with the legal authority in the external territory, or with a legal authority which covers both territories”.

This is a complicated issue because concepts of jurisdiction have not kept pace with technology.  Political borders are often very ancient. Take France as an example. Much of the territory that encompasses today’s France was known to the Romans as Gaul.  Barbarian raids by the Germanic Franks led to Frankish kingdoms for hundreds of years till Charlemagne.  Medieval kingdoms of France emerged after Charlemagne and remained for many centuries until the French Revolution. Then there were republics, empires, the Vichey rule and finally France (the 5th republic) as we know it today.   Wave after wave of technology from Roman roads to German tanks and airplanes challenged France’s jurisdiction.

This is true everywhere and increasing amounts of new technology have increased this type of jurisdictional challenge.  Governments everywhere try to keep pace.  Canada, for example, exercises extra territorial jurisdiction on the International Space Station or when crimes involve nuclear material.  Many governments claim extra territorial jurisdiction relating to terrorism financing.

Some extra territorial jurisdiction can threaten the entire world. 

In France, the Code pénal asserts general jurisdiction over crimes by, or against, the country’s citizens, no matter where they may have occurred.  This is good in many ways. Murder a Frenchman in Australia and the French can charge you.  Australia would probably cooperate because murder is a crime in Australia as well as France.

The potential for complication is shown in a Wall Street Journal article “Internet Censorship à la Mode” (2) that tells how France is trying to block Web searches on computers around the world.

The article says: France’s privacy regulator, known as CNIL, last week fined Google €100,000 ($112,000) for not applying Europe’s “right to be forgotten” across the search engine’s global network of sites.

A European ruling allows people to force search engines and social media sites to remove links to sites that “appear to be inadequate, irrelevant or no longer relevant or excessive”.  Based on this regulation, Google delisted over half a million links from the European versions of its search platform and filters location search results so searches in Europe can’t find delisted links at the American google.com, etc.

However the link would be accessible to someone in the U.S. and France wants a world-wide delisting. The French are trying to compel Google to remove links globally.

The article points out some flaws in this application of the law.  “Not only does this erode freedom of speech in principle, it limits the ability of non-Europeans to vet French prospective business associates or German job applicants.  It also sets a precedent for other regimes to attempt the same censorship.  China could block search results relating to the Tiananmen Square massacre globally.”

This is how a good, old, concept-protection against murder-threatens another good, old, concept- freedom of speech-when applied to new technology.

Regretfully the United States applies extraterritorial jurisdiction to U.S. personal tax laws and this may be America’s worst export.

The beginning of America’s application of  control over financial information is hard to determine.  Perhaps Al Capone’s conviction for tax fraud turned American law enforcement onto following the money.  Another important evolution was one I have been able to follow for over 40 years.  In the 1970s The American Institute for Economic Research (AIER) and American Institute Counselors voluntarily consented to an injunction that stopped them from offering an inflation fighting  program that had been created to take advantage of US tax law.  There was no admission of wrong doing.  AIER and AIC were (and still are) Massachusetts based, non-profit corporations. The consent was made to avoid the tremendous cost of extended litigation.

The injunction stopped an investment program that consisted of charitable donations to AIER and the sale of contracts recommended for purchase by AIC.  This was a complicated investment.  Contracts for gold  related  assets held at Swiss Credit Bank in Zurich were sold by a Liechtenstein corporation and a Swiss corporation that were both wholly owned by a Swiss  charitable  foundation.

The injunction required an audit of financial statements for AIC and AIER and the various European corporations, foundations and trusts.  This is where a problem began as the SEC tried to follow the money.  Swiss law then made it illegal for the bank to release the client information.  The SEC used force rather than agreement to apply extra territorial jurisdiction.  The SEC threatened to confiscate the assets of the Swiss bank in New York if the requested information was not surrendered.

I was around to see this loss of Swiss protection and have watched a continual erosion of privacy since.

Technology continually changes how we work, bank and invest.

New technology, as well as the use of extra territorial jurisdiction, has eroded privacy.  In the 2000s both the largest and second largest Liechtenstein banks had employees who took client data electronically and sold it.  The buyers included foreign tax authorities.  Employees of Swiss banks did likewise copying thousands of files of wealthy clients.  Some simply gave the data away.  Others sold the information.  The end result was private information being in the hands of many tax authorities including German, French, British and the US.

More recently a leak of over 11 million documents at the Panama law firm of Mossack Fonseca exposed hidden financial dealings of hundreds of politicians, public officials, fraudsters, drug traffickers as well as billionaires, celebrities and sports stars around the world.

Since I began traveling, investing, working and living globally in 1968, technology has continually improved productivity, increased freedom and made life easier in many ways.  Today it is easier to invest, do business and live anywhere you choose.   A great deal of this ease is due to US exports of technology.  Microsoft, Apple, Google, Amazon.com all grew from the USA.  The downside is that these valuable resources also reduce our privacy dramatically.

Look for and think about ways new technology can change the world.  Embracing and investing in such change is a great path to profit.

Gary

(1) https://en.wikipedia.org/wiki/Extraterritorial_jurisdiction

(2)  wsj.com Internet censorship a la mode

Look at economic news to spot change.  Look to financial news to invest.

Disaster When the Other Shoe Drops

Warren Buffet once warned against the Cinderella effect.

He said “Don’t be fooled by that Cinderella feeling you get from great returns.  Nothing sedates rationality like large doses of effortless money.  After a heady experience of that kind, normally sensible people drift into behavior akin to that of Cinderella at the ball.  They know the party must end but nevertheless hate to miss a single minute of what is one helluva party.  Therefore, the giddy participants all plan to leave just seconds before midnight. There’s a problem, though: They are dancing in a room in which the clocks have no hands.”

Cinderella may have lost a shoe when she fled the party.  We can lose much more when we rush from a crashing stock market.

There is inherent disaster building in rising markets… especially now.  Don’t wait until its too late.  Stocks, bonds and gold are all rising at the same time.  Almost everyone feels good.  We should not.  You and I should not be like most investors, because the clock of economic reckoning is ticking though no wants to see it.  Nothing rises forever and especially… not everything at the same time.

Recently the Dow Industrial and NASDAQ had record high closes.  Bitcoin has tripled this year.  Gold reached its highest price in seven months.  This rise of all asset classes is creating distortions that when corrected will set most investors back for years.

Simply put, the good time feelings are pushing prices too high.

Complacency in the markets, as the U.S. moves into the late stages of the economic growth cycle, destroys value.   Share prices will drop.  The only question is when.  Signs such as rising interest rates, declines in housing, along with lower auto and retail sales suggest that the slow down may be sooner rather than later.  The price of assets will fall.

There were a couple of  warning signals yesterday.  

Dollar weakness is a sign.

A Wall Street journal article yesterday “Dollar Gets Squeezed From All Sides” says: Greenback is down 5.6% this year, its worst two-quarter decline since 2011, as investors see more growth overseas

The dollar suffered through its worst stretch in six years during the first half of 2017, as investors turned more confident that economic recoveries around the world are gaining on or surpassing growth in the U.S.

The currency lost 1% last week against a basket of major peers tracked by The Wall Street Journal, bringing its decline for the year to 5.6%. That is the dollar’s largest two-quarter percentage decline since 2011.

A weak US dollar can draw investors out of the US and into other markets. The shift will cause a US market crash.

The 1987 Secular Cycle is near its end. 

Secular cycles in the market tend to run 30 years. History shows that markets run on recurrent patterns of change.  There are periods of expansion followed by periods of stagnation and decline.  Cyclical market cycles generally last 4 years, with bull and bear market phases lasting 1–3 years, while Secular cycles last about 30 years.  The last big shift was in 1987.

Another WSJ article yesterday “For Whom the Bell Tolls, Sell” asks: Is this a bull market or a mania? You never know for sure, except in retrospect.

You think this market’s crazy?  One day in early 1987, with Wall Street humming, a meeting after trading closed involved several cases of champagne. The Dow Jones Industrial Average had breached 2000 that day, a cause for celebration. A week and a half later, more champagne was ordered when the average passed 2100. Then again a few weeks later for 2200. Eventually my boss stopped buying bubbly when breaking records became the norm.

On Friday, Oct. 16, 1987, the average dropped 108 points. The market truly crashed the next Monday, dropping 508 points, or 22.6%. In retrospect, there had been signs all over the place.  How did everyone miss them? Well, as the old Wall Street adage goes, no one rings a bell at the top (or bottom) of the market.

Yet everyone wants to stay at the party.

No one knows when the global economic clock will strike midnight.  However, there is a way to be sure that our investments and savings will survive when the clock strikes twelve.

Here is what to do.  Choose investments based on markets instead of shares, diversify in value, rely on financial rather than economic news and keep investing simple, easy and at a low cost.

Diversify in value markets, not shares.  One strategy is to invest in country ETFs that easily provide diversified, risk-controlled investments in countries with stock markets of good value.  These ETFs provide an easy, simple and effective approach to zeroing in on value.  Little management and less guesswork is required.  The expense ratios for most ETFs are lower than those of the average mutual funds.  Plus a single country ETF provides diversification equal to investing in dozens, even hundreds of shares.

A minimum of knowledge, time, management or guesswork are required.  The investment is simply a diversified portfolio of most of the shares in a good value stock market.

 

The importance of easy, transparent and inexpensive.  Keeping investing simple is one of the most valuable, but least looked at, ways to avoid disaster.  Simple and easy investing saves time.  How much is your time worth?  Simple investing costs less and avoids fast decisions during stressful times in complex situations where we are most likely to get it wrong.

Fear, regret and greed are an investor’s chief problem.  Human nature causes  investors to sell winners too soon, and hold losers too long.

Easy to use, low cost, mathematically based habits and routines help protect against negative emotions and impulse investing.

Take control of your investing.  Make decisions based on data and discipline, not gut feelings.  The Purposeful investing Course (Pi) teaches math based, low cost ways to diversify in good value markets and in ETFs  that cover these markets.  This course is based on my 50 years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy Repeated Wealth With Pi

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

One secret is to invest with a purpose beyond the immediate returns.  Another tactic is to invest so you have staying power.  This way you’ll never be caught short and have to sell depressed assets during periods of loss.  This also means you’ll have enough faith in a strategy to stick to the plan.

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

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

The Pifolio analysis begins with a continual research of 46 major stock markets that compares their value based on:

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return.

#7:  Market history

This is a complete and continual study of almost all the developed major and emerging stock markets.

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

The course examines and regularly reports on the hows and whys of seven professionally managed portfolios so we can learn how managers find and invest in good value.  The Pifolios are:

  • Keppler Good Value Developed and Emerging Market Pifolios
  • State Street Global Advantage Emerging & Developed Market Pifolios
  • Gold & Silver Dip Pifolio
  • ENR Advisory Extra Pifolio
  • Tradestops.com Trailing Stops Pifiolio

pifolios

As you can see in this image (click to enlarge) the top performing Pifolio we are tracking is the State Street Global Advantage Pifolio is up 32.22%.  Here is the breakdown of that current Pifolio.

pifolio

Learn how to invest like a pro from the inside out.

State Street is one of the largest fund managers in the world and their Global Advantage funds invest in good value shares in good value markets.

In the updates we review each portfolio, what has been purchased and sold, why, the ramifications for high risk, medium risk and low risk investors.

As of mid-2017 my personal Pifolio is based on select ETFs in the Keppler Developed and Emerging markets. My Pifolio is invested in Country ETFs that cover seven developed and three emerging markets:

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

Regardless of economic news, these markets represent good value and have been chosen based on four pillars of valuation.

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

When you subscribe to Pi, you immediately receive a 120 page basic training course that teaches the Pi Strategy.   You learn all the Pi strategies, what they are, how to use them and what each can do for you, your lifestyle and investing.

You also begin receiving regular emailed Pifiolio updates and online access to all the Pifolio updates of the last two years.  Each update examines the current activity in a Pifolio, how it is changing, why and how the changes might help your investing or not.

Included in the basic training is an additional 120 page PDF value analysis of 46 stock markets (23 developed markets and 23 emerging stock markets).  This analysis looks at the price to book, price to earnings, average yield and much more.

You also receive two special reports.

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

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

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.  The two conditions are in place again!

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

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

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

This report sells for $29.95 but in this special offer, you receive the report, “Three Currency Patterns for 50% Profits or More” FREE when you subscribe to Pi.

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

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

In September 2015, I prepared a special report “Silver Dip 2015” about a silver speculation, leveraged with a British pound loan, that could increase the returns in a safe portfolio by as much as eight times.  The tactics described in that report generated 62.48% profit in just nine months.

I have updated this report and added how to use the Silver Dip Strategy with platinum.   The “Silver Dip 2017” report shares the latest in a series of long term lessons gained through 40 years of speculating and investing in precious metals.  I released the 2015 report, when the gold silver ratio slipped to 80.  The ratio has corrected and that profit has been taken and now a new precious metals dip has emerged.

I have prepared a new special report “Silver Dip 2017” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.

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

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

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

seminars

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

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

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

stock-Charts

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

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

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

Details in the online seminar include:

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

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

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

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

keppler asset management chart

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

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

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

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

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

I have good news about the cost of the seminar as well.   For almost three decades the seminar fee has been $799 for one or $999 for a couple. Tens of thousands paid this price, but online the seminar is $297.

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

Save $468.90 If You Act Now

Subscribe to the first year of The Personal investing Course (Pi).  The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription.  Plus you receive FREE the $29.95 report “Three Currency Patterns for 50% Profits or More”, the $39.95 report “Silver Dip 2017” and our latest $297 online seminar for a total savings of $468.90.

ecuador-seminar

Triple Guarantee

Enroll in Pi.  Get the basic training, the 46 market value report, access to all the updates of the past two years, the two reports and the Value Investing Seminar right away. 

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

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

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

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

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

Subscribe to Pi now, get the 130 page basic training, the 120 page 46 market value analysis, access to over 100 previous Pifolio updates, the “Silver Dip 2017” and “Three Currency Patterns For 50% Profits or More” reports, and value investment seminar, plus begin receiving regular Pifolio updates throughout the year.

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

Gary

 

 

 

 

 

What Should I Sell in my Online Business?


Why not add an online business?

That was my thought in 1997 when I met with David Cross in Copenhagen.

Our website originally was expected to be an extension of our print publishing business.

Little did I know then that it would become the entire business.

David was a meditation teacher in Edinburgh, Scotland who taught our son, Jake, the art of meditating when Jake was at university there.  We first met David in Edinburgh, and after talking he ordered our “Self Fulfilled – How to be a Self Publisher” course then in print… (now online).  He studied this and published his own report.   One reader of the report had a new internet server business and was so impressed that he hired David to work for him in Sweden.  In the process of rising to become the managing director of that firm… David started our website (and is still our webmaster as well as business partner now).  During one business meeting in London, David met our daughter Cinda. ‘Love at First Sight.”

self-publishing

David Cross and Dr. Cinda Scott-Cross (DVM).

David also met executives of International Living and went on to become Chief Internet Consultant for Agora Inc. one of the largest online marketing companies in the world.

David has since built an unparalleled, hands-on marketing experience that spans 25 years in 22 countries for companies and charities large and small. He’s guided many businesses and individuals to success in their business and helped them achieve their marketing goals, both online and offline.

As Senior Internet Consultant to Agora Inc. in Baltimore, MD, David worked closely with Agora’s publishers and marketers and over an 8-year period and helped to propel Agora’s online revenues to over $300 Million in 2009.

Myles Norin, the CEO of Agoras wrote: “I have found David’s knowledge and experience unmatched in the industry. Without David’s expertise and guidance for the past 7 years, we would not be nearly as successful as we are.”

David hails from England and now lives on a small farm close to Mount Hood in Oregon with our daughter, a veterinarian, their five children and a menagerie of animals. When not marketing or brainstorming you’ll find David following a dream of self-sufficiency for food, power and water within 10 years, tending the land and caring for the farm and animals.  David is also an engaging and knowledgeable speaker with many amusing anecdotes from his work and travels over the years.

Not surprisingly, our efforts with David have intensified over the years so he is developing an updated internet business course for readers (to launch this spring). Here is his newest report.

What Should I Sell in my Online Business?

By David Cross

One of the shortest legitimate routes to increase your income is to start your own business and in my opinion, an Internet-based business is a great way to do that. You can start an Internet-based business anytime, anywhere and with very little up-front risk or investment. But knowing how to get started can seem confusing – even overwhelming – and this feeling alone may be enough to put you off even starting. At this stage many people put their ideas back on their mental shelf and continue with their life as it was before the idea to start a business first popped into their head.

I am currently working on a new course that we will publish this spring. This is a practical, hands-on guide and series of lessons to help you create your own online business in 1 month (in reality you could start it all in 1 week). The course guides you through all you need to get started including marketing your product or idea, setting up your website, shopping cart and payment processing, social media…everything you need. In fact I’ve designed it to be almost as good as having me sat at your side to guide you through everything.

One of the most common questions I am asked about starting an online business is, “Yes, but what would I sell?” You may have given some thought to this question and decided to look for a company with products that you can sell at a commission through an affiliate program or as part of an multilevel marketing system. That is definitely one way to get started or to add additional products to your inventory of things to sell.

When starting a business (online of offline) and looking for the type of product or service to sell, people often look in a new area…something that appears interesting or cool. It may be something you’ve always wanted to try your hand at or it could be a hobby you are enthusiastic about. It may be something you’ve seen others succeed at or a dream you’ve always had. For example, you may love great food and have a burning desire to open a restaurant serving that type of food.

One Step at a Time

Although many people look to start a business in a completely new area, you will generally have a faster track to success in your new business doing something that you already know about and ideally, the business you start should be no more than 1 step removed from what you already know.

Let’s assume you are a small business accountant. You help businesses prepare their taxes and you advise and counsel them on ways to maximize profits and reduce their tax liabilities. You notice that you have a lot of clients who run restaurants. As you are an enthusiastic cook and have a good palate for fine food and wine, when deciding what business to start you may find yourself contemplating starting a restaurant. After all, you’re a good cook and you’ve many clients in the restaurant business already so, why not you? But your experience is not in running a restaurant and it’s quite a stretch from advising restaurant owners on how best to structure their taxes to actually running a restaurant yourself.

If you instead decided to publish a guide for restaurateurs on tax saving tips then you’d be focusing within a proven niche. You could then expand this series into small business tax guides for other types of businesses – hair salons, health clinics, car mechanics and printers…all local businesses and all wanting to find ways to reduce their tax liabilities.

But suppose you think that you have no area of expertise? People often say they have no specialist skill, maybe they’ve worked for 25 years in the same business or have raised a family and say, “Who’d buy that?!” You gain a lot of skills in 25 years of any job and if you’ve successfully raised a family you’ve years of skills of balancing many plates on many sticks. There are many young parents who would love to benefit from your experience.

And in addition to the time spent working and raising your family, what hobbies do you have where you have gained specialist skills? Are you a good gardener? Are you artistic? Do you have particularly good handwriting? Is that a skill you could pass on? Would someone pay you for that knowledge? Heck, I’ve always wished I had remotely legible handwriting, let alone “good” handwriting! (my wife to this day loves the little notes and letters I give here and still says, “What does that word say?!”)

The skills and unique knowledge you have to share need only to be connected to people who have a need and you can sell the knowledge and skills you already possess. It’s marketing that connects buyers with needs to sellers with a way of fulfilling that need.

Narrowing it Down

To help narrow-down what you could sell online, start a list of things you are good at, skills you have, hobbies, interests you have, jobs or career paths you’ve pursued and any ideas you may have for a business – even if it’s not in one of these areas. My list off the top of my head may look something like this:

  • Chef/Cooking
  • Marketing
  • Self-sufficiency/small-scale organic farming
  • Global traveler
  • Voiceover
  • Meditation Teacher
  • Public Relations
  • Fundraising
  • Public Speaking
  • Internet business
  • Open a restaurant
  • Start a rock band
  • Podcast
  • TV show host

Your list may contain some or none of these items but make your list and then add a second column, which we’ll call “Rating”. Into this rate on a scale of 1-10 your level of expertise in each area. Add a third column called “Valuable?” and rate whether that skill is valuable…something someone would buy. In this case “Skill” also means knowledge and career experience. Remember that if someone has a need for that skill, knowledge or information and if it can help save them time, make money or improve their life then you can note down its value in the Valuable column.

Add two more columns; “Hobby” and “Fantasy”. Is this a hobby – something you love doing even if you’ve never made any money from it and the final column, “Fantasy”. This is a check for dreaming versus doing. For example in my list I’ve got “Start a rock band”. Whenever we sit down with friends for pizza and beer we’ll always delve into our extensive music collection, play our favorite songs and then come up with band names and sketch our world tours. It’s fun, but ultimately it’s really a mental fantasy. I love music but realistically I’m probably best off not starting a rock band. I am going to add “Open a restaurant” into the “Fantasy” column, too. This is not designed to quash your dreams, simply help hone what has a real possibility of becoming a business for you versus something you love playing at. (I imagine if Gary Scott drew up this list he’d put playing the flute and painting into the “Fantasy” column).

You will end up with a list something like this:

skills-list

I used a spreadsheet for this but a napkin works fine. Spend more time on getting the ideas down rather than worrying about how it looks. I’ve sorted my list so that the areas in which I am most skilled, valuable, non-fantasy items are at the top. The ones at the top in which you are most skilled, that are valuable and aren’t a pure hobby/fantasy are the areas that may be good to start developing your business in.

Your list will differ. And what I may put in my hobby/fantasy column you may put in your top skill level and with a high Valuable rating. Your list will differ and you will be able to rate your skills and ability to profit Also a note about hobbies. It’s possible that you’ve a high skill level in one of your hobbies and that could be profitable for you. And if you are an accomplished artist with a bluegrass band please don’t think the idea of this list is to poo-poo artist pursuits; it’s not. The idea of this list is to help you home-in on the skills, knowledge and experience you have that you could market.

Save your list. In the next article we’ll discuss more about what to do with this list to take the next step in profiting from your knowledge, skills and experience. One way to profit from your unique skillset is through writing about it and self-publishing. Here, Gary shares with us details of a forthcoming course this summer…

Micro Business Power on the Net


There is micro business power in narrowband on the net.

ecuador-flowers

This is the last day left to order Ecuador valentine’s Roses.

There is such power in broadband that we are seeing events taking place right now… that will dramatically change our lives… and could bring an era of incredible peace… or war. I am still trying to absorb the big picture, but whatever comes… expect some really big change due to events in the Middle East.

micro-business-idea

Photo from Times article below about Tunisa demonstrations for democracy.

One lesson we can gain from… for sure… is about the power of broadband and how we can convert this to narrowband for profit.

micro-business-idea

High tech revolution… mostly.  Photo from Times article below about Tunisa demonstrations for democracy.

Let’s look at the evolution of revolution in a phrase.

“Storm the Bastille”

“Grab the radio station”

“Take over the TV”

“Shut down the cell phone system and the Internet.”

That’s the evolution of power.

When the French stormed the Bastille, a medieval fortress and prison in Paris on the night of July 14, 1789 they symbolized the power of the middle class. This fortress represented Royal authority in Paris and its fall was the flashpoint of the French Revolution, and became an icon of the French Republic and began the shift of authority to the common man.

Since that time… slowly slowly democracy has continued to spread.

The lesson we can benefit from is how the masses have used technology to exert its authority…  from ladders to breach a fortress… shifting to broadcast and the radio… then TV and now democracy has a new weapon… broadband.

We can use this potent political instrument in our micro business as well.

A Times magazine article last week entitled “Tunisia’s Nervous Neighbors Watch the Jasmine Revolution” by Vivienne Walt reviewed the importance of the Internet and Mideast revolutions that began in Tunisia when it said (Bolds are mine):  No bomb exploded announcing the start of the Jasmine Revolution, and in the end, there was no iconic figure — no Nelson Mandela or Vaclav Havel — to declare its stunning victory. Instead, the fuse for the Arab world’s first successful popular uprising was lit when a small-town Tunisian policewoman slapped a fruit seller.

The four-week revolt leaped from town to town until it engulfed Tunis. El Général’s song “Rais Elbled” (“President of the Republic”) became the protesters’ anthem, with thousands in the streets belting out its angry lyrics: “Mr. President, your people are dying.” The Jasmine Revolution, named for the national flower, needed no leaders to rally the protesters or organize the demonstrations. Instead, the revolt was refueled by a steady stream of anonymous text messages, Twitter and Facebook updates. Documents posted on WikiLeaks, in which U.S. diplomats cataloged the corruption at the highest levels of government, deepened the rage. Mobile-phone videos posted online documented the government’s brutal response, including the police beatings and the shooting of some of the 100 or so protesters who died.

Whatever happens next, Tunisia is already the stuff of history. Revolution is rare in the Arab world, which has for the most part remained untouched by democratic movements and economic change.

The Jasmine Revolution unfolded on live television before an Arab audience — THANK YOU AL-JAZEERA, read one banner at one demonstration — that could hardly have failed to grasp its significance. Bouazizi’s martyrdom inspired several copycat immolations in Algeria and at least one each in Mauritania and Egypt. In Algeria, where protests by jobless youths predated those in Tunisia, there were attempts to replicate the Jasmine Revolution’s use of social networks and YouTube.

Arab commentators wondered which tyrant might follow Ben Ali into exile in Saudi Arabia: Libya’s Muammar Gaddafi? Egypt’s Hosni Mubarak?

Even before I could get this message written Mubarak in Eygpt had agreed not to rerun as President and Jordan’s king Abdullah on Tuesday, February 1, dismissed his government and appointed Maarouf Al Bakhit, an ex-army general head the country’s new government.

By the time you read this… more governments may have fallen in the Middle East… all removed by the power of the internet and cell phones!

Egypt tried to stop the power of the internet.  A New York Times article on the subject stated:   Internet and cellphone connections have been closed or restricted in Cairo, Alexandria and other places, cutting off social media Web sites that had been used to organize protests and complicating efforts by news media to report on events on the ground. Riot police took to the streets of Cairo before the Friday noon prayers that in many parts of the Islamic world have been a prelude to unrest as worshippers pour onto the streets.

The protests have underscored the blistering pace of events that have transformed the Arab world, particularly among regimes that have traditionally enjoyed the support of successive administrations in Washington.

The police presence in Alexandria on the Mediterranean coast was strongest in the center of the city. At the Sidi Bishir mosque outside the center of town, a dozen men wore Egyptian flags wrapped around their shoulders. With cellphone and Internet connections down, activists across the city tried to determine the extent of arrests overnight by security officials.

Organisations that track global internet access detected a collapse in traffic in to and out of Egypt at around 10.30GMT on Thursday night.

The shut down involved the withdrawal of more than 3,500 Border Gateway Protocol (BGP) routes by Egyptian ISPs, according to Renesys, a networking firm. Only one ISP out of 10, Noor Data Networks, appeared largely unaffected. It connects to the outside world via an undersea cable operated by Telecom Italia.

According to BGPMon, another networking firm, 88 per cent of Egyptian internet access was successfully shut down, however.

Renesys speculated that the apparent anomaly of Noor Data Networks may be a result of the fact it provides services to the Egyptian stock exchange.

BGP routes are one of the most vital parts of the internet. They most used by ISPs so their networks can exchange information about how to best route the packets of data that make up all internet communications.

Modern technology and broadband gives power to the little guy.

This is helping the cause of democracy in the Middle East.

We can use the same power in our micro business.

A reader recently wrote:  Good morning, Gary:  If you haven’t already, you need to read “The Long Tail: Why the Future of Business is Selling Less of More” by Chris Anderson. It explains and applies the principle you mentioned in today’s Ecuador report, to internet applications. It is why Wikipedia has more data with better accuracy than the Encyclopedia Britannica.  I thoroughly enjoy your reports and look forward to personally investigating Ecuador and other South American refuges.

I replied:  Thanks.  Yes, I love this book and first wrote about it back in 2007. Take a look in our archives as I wrote back then:

This is the era when small is big. Chris Anderson describes this in his book “The Long Tail: Why the Future of Business is Selling Less of More”.

The last marketing era was dominated by broadcast. This was a distribution system where it was most efficient to send one message to millions of people.

The internet has introduced the era of broadband where it is most efficient to send millions of messages to one person each. This plays exactly into the hands of the small self publishing business because it allows you to earn from many small niche products where no big corporation can afford to compete.

For example at one of my websites alone that focuses on multi currency investing has 21 earning sources.

All of the sources are small, some as little as a few hundred dollars a month. Yet added up so far this year (in the first 10 months) that one website has earned $159,090 from orders that came direct off the internet. That’s better than an extra $15,000 a month of income…enough to buy quite a few groceries despite inflation.

Back in the 2000s, this idea of broadband helped form one of my business goals… to understand the ramifications of the shift from broadcast to broadband.

Through this search we have learned a lot about how to build a micro business.   Our thinking has evolved into a new business model that we call… narrowband.

Narrowband uses SPecific phrases to attract potential customers with SPecific needs and then develops an intimate relation with that customer via SPecific solutions.

Learn more about the rise of the SPecific man… and or woman and SPecific business here.

Whatever this sudden change in the Middle East brings… good and bad… one thing is clear…  technology… the internet… cellphone… social networking and broadband have changed politics forever… and business as well.

Knowing this can help you gain security and extra income with your own micro business that uses the power of the net.

Gary

Learn about how to use narrowband in business and investing at our upcoming International Investing and Business Conference February 11, 12, 13 in Mt. Dora, Fl.

Read the Times article Tunisia’s Nervous Neighbors Watch the Jasmine Revolution

Small Green Internet Business


Here is why a small green internet business can be so valuable.

Imagine having a hobby… that you enjoyed… was a lot of fun and that always paid for your cost of living and lifestyle.

Wouldn’t that be worth pursuing?

ecuador-internet-business

Does this look like work?  Delegates on a our Ecuador tour.  In a moment we’ll see a link to Ecuador business ideas.

Having your own small business for extra income is more important now than ever before.

Over the past decade, this site has regularly recommended that one of the best ways to create wealth is…  having your own business.

This idea makes sense!  Government spending almost assures inflation.  Inflation hurts those on fixed incomes, new entrants in the job market and salaried workers the most.   Business however always adjust for inflation…. so your own business protects your spending power.

The excerpts below from a March 2010 Atlantic Magazine article “How a New Jobless Era Will Transform America” By Don Peck shows the concern:  The Great Recession may be over, but this era of high joblessness is probably just beginning. Before it ends, it will likely change the life course and character of a generation of young adults. It will leave an indelible imprint on many blue-collar men. It could cripple marriage as an institution in many communities. It may already be plunging many inner cities into a despair not seen for decades. Ultimately, it is likely to warp our politics, our culture, and the character of our society for years to come.

How should we characterize the economic period we have now entered? After nearly two brutal years, the Great Recession appears to be over, at least technically. Yet a return to normalcy seems far off. By some measures, each recession since the 1980s has retreated more slowly than the one before it. In one sense, we never fully recovered from the last one, in 2001: the share of the civilian population with a job never returned to its previous peak before this downturn began, and incomes were stagnant throughout the decade. Still, the weakness that lingered through much of the 2000s shouldn’t be confused with the trauma of the past two years, a trauma that will remain heavy for quite some time.

The unemployment rate hit 10 percent in October, and there are good reasons to believe that by 2011, 2012, even 2014, it will have declined only a little. Late last year, the average duration of unemployment surpassed six months, the first time that has happened since 1948, when the Bureau of Labor Statistics began tracking that number. As of this writing, for every open job in the U.S., six people are actively looking for work.

All of these figures understate the magnitude of the jobs crisis. The broadest measure of unemployment and underemployment (which includes people who want to work but have stopped actively searching for a job, along with those who want full-time jobs but can find only part-time work) reached 17.4 percent in October, which appears to be the highest figure since the 1930s. And for large swaths of society—young adults, men, minorities—that figure was much higher (among teenagers, for instance, even the narrowest measure of unemployment stood at roughly 27 percent). One recent survey showed that 44 percent of families had experienced a job loss, a reduction in hours, or a pay cut in the past year.

The Long Road Ahead

Since last spring, when fears of economic apocalypse began to ebb, we’ve been treated to an alphabet soup of predictions about the recovery. Various economists have suggested that it might look like a V (a strong and rapid rebound), a U (slower), a W (reflecting the possibility of a double-dip recession), or, most alarming, an L (no recovery in demand or jobs for years: a lost decade). This summer, with all the good letters already taken, the former labor secretary Robert Reich wrote on his blog that the recovery might actually be shaped like an X (the imagery is elusive, but Reich’s argument was that there can be no recovery until we find an entirely new model of economic growth).

Historically, financial crises have spawned long periods of economic malaise, and this crisis, so far, has been true to form. Despite the bailouts, many banks’ balance sheets remain weak; more than 140 banks failed in 2009. As a result, banks have kept lending standards tight, frustrating the efforts of small businesses—which have accounted for almost half of all job losses—to invest or rehire. Exports seem unlikely to provide much of a boost; although China, India, Brazil, and some other emerging markets are growing quickly again, Europe and Japan—both major markets for U.S. exports—remain weak. And in any case, exports make up only about 13 percent of total U.S. production; even if they were to grow quickly, the impact would be muted.

Most recessions end when people start spending again, but for the foreseeable future, U.S. consumer demand is unlikely to propel strong economic growth. As of November, one in seven mortgages was delinquent, up from one in 10 a year earlier. As many as one in four houses may now be underwater, and the ratio of household debt to GDP, about 65 percent in the mid-1990s, is roughly 100 percent today. It is not merely animal spirits that are keeping people from spending freely (though those spirits are dour). Heavy debt and large losses of wealth have forced spending onto a lower path.

So what is the engine that will pull the U.S. back onto a strong growth path? That turns out to be a hard question. The New York Times columnist Paul Krugman, who fears a lost decade, said in a lecture at the London School of Economics last summer that he has “no idea” how the economy could quickly return to strong, sustainable growth. Mark Zandi, the chief economist at Moody’s Economy.com, told the Associated Press last fall, “I think the unemployment rate will be permanently higher, or at least higher for the foreseeable future. The collective psyche has changed as a result of what we’ve been through. And we’re going to be different as a result.”

One big reason that the economy stabilized last summer and fall is the stimulus; the Congressional Budget Office estimates that without the stimulus, growth would have been anywhere from

The economy now sits in a hole more than 10 million jobs deep—that’s the number required to get back to 5 percent unemployment, the rate we had before the recession started, and one that’s been more or less typical for a generation. And because the population is growing and new people are continually coming onto the job market, we need to produce roughly 1.5 million new jobs a year—about 125,000 a month—just to keep from sinking deeper.

And even within industries that are likely to bounce back smartly, temporary layoffs have generally given way to the permanent elimination of jobs, the result of workplace restructuring. Manufacturing jobs have of course been moving overseas for decades, and still are; but recently, the outsourcing of much white-collar work has become possible. Companies that have cut domestic payrolls to the bone in this recession may choose to rebuild them in Shanghai, Guangzhou, or Bangalore, accelerating off-shoring decisions that otherwise might have occurred over many years.

New jobs will come open in the U.S. But many will have different skill requirements than the old ones. “In a sense,” says Gary Burtless, a labor economist at the Brookings Institution, “every time someone’s laid off now, they need to start all over. They don’t even know what industry they’ll be in next.”

“We haven’t seen anything like this before: a really deep recession combined with a really extended period, maybe as much as eight years, all told, of highly elevated unemployment,” Shierholz told me. “We’re about to see a big national experiment on stress.”

Those of us who start and own small businesses do not have to join the stress.

The changes that brought on the recession and unemployment also created opportunity for those who embrace change and innovate.

The Atlantic article also said:  Ultimately, innovation is what allows an economy to grow quickly and create new jobs as old ones obsolesce and disappear. Typically, one salutary side effect of recessions is that they eventually spur booms in innovation. Some laid-off employees become entrepreneurs, working on ideas that have been ignored by corporate bureaucracies, while sclerotic firms in declining industries fail, making way for nimbler enterprises.

In with the new… small… fun… innovative businesses. Out with the old… big…complicated, stressful work.

Here are three tips for success with your own small business.

Tip #1:  Live beneath your means. Start small… build upon existing skills and grow in relationship to your situation.

Small beginnings are nature’s way. Most businesses start with a learning curve. During the beginning and in the initial learning period, it is essential to remain small as you err. Once lessons have been learned, the business can grow using business evolutionary cycle.

The small business evolutionary cycle is:

#1: Get an idea

#2; The idea leads to enthusiasm.

#3: The enthusiasm leads to education.

#4: The education leads to action.

#5: The action leads to profit or loss but also more ideas.

The cycle repeats and this is the way that businesses should grow.

This is why one of the favorite workshops I teach is “Early Wealth” for kids. This is sometimes conducted before other adult courses and sometimes presented to groups of school kids.

They love it and soak up the information on how to attain wealth.

The course begins by showing a dollar bill and a candy bar and letting the kids choose which they would prefer. Some choose the candy, others cash. But twenty-six more dollar bills are taped to the first and they then unfold. Now the kids see twenty-seven dollar bills dangling before them and they are asked to choose again. Kids are not stupid. They take the twenty-seven bucks and in the process learn the power of compounded interest.

If they take a dollar and put it in the bank, even at a low interest rate it grows to twenty-seven by the time they reach age 65.

Many of the parents at this workshop tell me they wish they had had this when they were younger as I point out the importance of starting early.

This chart shows that a person who saves $4,000 a year for ten years ($40,000 total) from age 19 to 29 and leaves it earning 8% per annum compounded will have $1,097,285 at age 65. This is compared to a person who saves $4,000 a year ever year from age 29 to 65 ($148,000 total) has only $877,264.

Then we have the banker’s race. Two children are selected, one a large boy, the other a small girl. They race as they drag a fifty pound bucket of mud. Each selects five bankers. The difference is the girl has been good and saved money so her five bankers help her pull the bucket. The boy, who has been bad and borrowed money has to drag the bucket and his five bankers. You can guess who wins the race.

These lessons  are based on the expectation that a social code will be adhered to… that rewards capital.  Those who are frugal, save and invest will enjoy greater financial security then those who just spend.

Tip #2: Expect inflation. Save and invest in a business…. your own or someone’s else’s… not cash.

Government’s globally now and throughout history have tended to cheat on this economic honor system… as they are doing so badly now.

For example, the US government… already deeply and growing deeper in debt has initiated a new program to help American borrowers who have been clobbered by falling home prices, the government has created a new plan to help those who own property that is worth less than its mortgage.   The plan has several strategies including requiring mortgage servicers to consider cutting a loan’s principal if it is up to 15% more than the home is worth.

Because additional debt is most likely to deteriorate the value of the dollar, those who lived above their means… or speculated on real estate or bought real estate they really could not afford are being rewarded.  So too are banks who did not vet their borrowers carefully enough.

The government’s explanation for this additional spending is that the cost to taxpayers is less than the cost of not doing something.

Yet the simple reality is that these rewards are at the expense of those who have saves and lives beneath their means. Those who will be punished most are those with fixed incomes and cash.

This is not just a US phenomenon either.  Governments are going deeper into debt everywhere… spending money that does not create goods.

Warren Buffet recently commented on this when he purchased a railroad for $27 billion.  He said: Cash is always a bad investment. When people said cash is king a year ago, that [was] crazy. Cash wasn’t producing anything, and it was sure to go down in value over time. And then you always want to be sure you have enough. It’s like—like oxygen—you want to be sure it’s around, you know. But you don’t need to have excessive amounts of it around. We will always have enough cash around. But anytime we have surplus cash around, I’m unhappy. And we found a chance in the last year, thereabouts, to deploy [it]. We came in with something over $40 billion in cash. We have got about $20 billion now, and we’ve had some earnings. So, we’ve put a lot of cash to work. And I like that. I’d much rather own a good business than have cash. . . . [BNSF] is not a bargain, but it’s a good asset for Berkshire to own over the next century.

You can say all assets are a hedge against the dollar. All you know is that the dollar is going to be worth less 10, 20, 30 years from now. I say “worth less.” Not worthless. You want to watch that. [It’s] true of almost every currency I can think of.  The question is how much it depreciates in value. But cash is not a place. We’ll print more of [it] in relation to the amount of goods that are moving. If we dropped a million dollars of cash into every household in the United States today, everybody would feel very good except the people that invested in things that were denominated in dollars.”

Yet most of us don’t have an extra $27 billion lying around.  In fact many of us may not have enough cash to convert into inflation fighting assets.  Instead we need more income.

These facts alter the way we must live and invest… with a shift towards holding inflation fighting assets… like a small business.

Fortunately science and technology has truly set us free.  An internet business can help us earn income.

Golden Income.

Plus isn’t the goal here to enjoy life… without living beyond our means?

An internet business can help us turn our passion into profit and earn income in enjoyable ways.

.internet-business

For example I love to write.  My internet business allows me to do so in places I want to be.

Here I am with our hound working at our Florida home.

Technology has destroyed the limitations imposed by time and space and an internet business gives us freedom to earn and be mobile. We no longer have to be stuck in one place.

I can sit in my office in North Carolina and work.

ecuador-internet-business

with this view. (You can see that my hound dog wants me to hurry up and get out on the mountain!)

internet-business-idea

Or hike into our Blue Ridge forest and work.

ecuador-internet-business

You can see that now she is happier!

Or visit Ecuador’s beaches and work.

ecuador-internet-business

Tip #3: Look for and solve problems that are important to you.

For example if environmental problems are important to you,  think about sustainable farming.   America only has two million farmers.  Their average age is 55.  Sustainable farming needs small-scale, local, organic methods rather than petroleum-based machines and fertilizers.

There is a dramatic demand for more small sustainable… small  modern farmers… small business people who become skilled in heirloom produce and new ways of marketing.

This is one reasons why I have been posting messages about EnviroSafety Bio Wash and farming.

This is a good idea for Smalltown USA which is one reason why we now have a Florida orange grove business and a North Carolina sustainable forestry business. We are to test bio wash on citrus growing and fighting greening.  See more here at Bio Oranges

Cotacachi-organic-garden

This also offers a great Ecuador organic farming idea. See more here.

Join Merri and me and our webmaster, David Cross, and Jyske investment adviser, Peter Laub, to learn more about business, investing, health and Ecuador this June at our Quantum Wealth  seminar where we share ways to invest, do business and live that protect wealth as they bring joy, satisfaction and better health.

Gary

How We Can Serve You

How to Have Real Safety

Regain Real Security

There is a path to true security.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

However he had already moved on.

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

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

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

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

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

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

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

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

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

A PIEC Experience

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

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

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

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

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

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

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

#1: Do What You Love!

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

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

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

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

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

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

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

But where do we start?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

#3: Integrate your earning and investing. 

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

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

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

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

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

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

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

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

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

Plus there are broken promises.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Multi dimensional opportunity earns in numerous ways.

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

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

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

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

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

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

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

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

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

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

That was a deal that few overseas investors could refuse.

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

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

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

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

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

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

Three Layer Financial Plan

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

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

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

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

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

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

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

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

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

#4: Find your Anchor of Value.

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

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

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

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

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

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

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

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

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

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

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

The story contains three valuable tips.

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

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

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

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

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

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

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

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

The Fever

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Most passive country index ETFs have minimal cost structures.

#5: Keep costs down. 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

We should know what all our fees are.

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

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

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

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

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

We offer two courses for attaining financial security.

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

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

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

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

Learn Slow, Worry Free, Good Value Investing

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

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

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

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

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return

#7:  Market history

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Save $457.95 if You Act Now

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

Triple Guarantee

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

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

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

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

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

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

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

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

Read the entire Atlantic Magazine article How a New Jobless Era Will Transform America here.

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The Magnificant Seven – Internet Business Opportunities


This is a time to check out internet business opportunities such as the seven business ideas below.

Merri and I enjoy having an international internet business.

internet-success

This recent 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… as you’ll see in pictures below how the recent recession has caused our internet business to grow.  So you can do the same… earn more as others seem to earn less.

Our sales have doubled since the recession began and our list of readers has increased over 100% also.

Knowing the philosophies that we follow to prosper from change 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… in numbers yes… 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.

Excerpts from a recent New York Times article entitled “After Escaping Jobless Rolls, Trauma May Linger” by Michael Luo helps explain why:

RALEIGH, N.C. — Antje Newby went back to work in September, but she has still not escaped the burden imposed by nine months of unemployment.

Antje Newby, working again, said, “We’ve got financial impact we’re going to deal with forever.”

Tom Newby stays home in part to help his children adjust to their move from in the Detroit area.

Mrs. Newby and her husband were forced to walk away from their home in suburban Detroit and are now living here in a rented house with their three children. They are bracing for a huge tax bill in the spring because of early withdrawals they made on her 401(k) and taxes they still owe on unemployment benefits. Their credit is in tatters, and their 16-year marriage showed cracks they are still trying to repair.

The wound of unemployment, as her family has learned, is not cauterized so quickly, and lives do not simply go back to the way they were.

Interviews with more than a dozen people who were out of work at least a half-year during the recession and have now landed jobs found many adjusting to new realities. Some of the changes are self-imposed; others forced upon them. They include grappling with newfound insecurities and scaled-back budgets; reshaped priorities and broken relationships. In some ways, it is equivalent to the lingering symptoms of post-traumatic stress.

One person interviewed said, “If the rug is pulled out again, I’m not going to survive”.

Another said “We’ve got financial impact we’re going to deal with forever.”

Many of the old rules of employment have been turned upside down. For example in the past people worked for the government for job security but expected lower pay. Now, according to the Cato Institute this has completely flipped and the reversal is growing:

The Bureau of Economic Analysis has released its annual data on compensation levels by industry (Tables 6.2D, 6.3D, and 6.6D here). The data show that the pay advantage enjoyed by federal civilian workers over private-sector workers continues to expand.

The George W. Bush years were very lucrative for federal workers. In 2000, the average compensation (wages and benefits) of federal workers was 66 percent higher than the average compensation in the U.S. private sector. The new data show that average federal compensation is now more than double the average in the private sector.

See the full Cato article below.

Yet at the same time there has never been a better time… with greater opportunity, for an internet business… if… you are choose a  business that flourishes with change.

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 looked at these economic and structural changes, and what to do about them in the international investing and business portion of our Quantum Wealth Seminar we conducted in Mt. Dora, Florida last week.

We saw how markets are shifting from materialistic needs to emotional needs.

Love-friendship-control-freedom-tradition-change-big answers-recognition and care 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.

We saw how these shifts create new opportunities for investment and internet business in seven areas.

Currency Distortions
Value Markets
Emerging Markets
Wellness
Water and Alternate Energy
Truth & Cohesion
Ecuador and Smalltown USA Real Estate

I call these seven areas the Magnificent Seven… these are the places where I am looking for opportunity and focusing our efforts now.

This focus has paid off.

This chart from Alexa shows our…

internet-success

traffic rank.  At times we are nearly ranked among the top 40,000 websites in the entire world.

There is another picture about this below.

Over the month of March, we’ll look at each of these magnificent seven opportunities to see how they can help you.

Learn more about international investing in the magnificent seven at Jyske Global Asset Managers forex seminar in Laguna Beach this April . See details here.

Or join us for our next Quantum Wealth Seminar June 24 to June 27, 2010.  See more here

Gary

Or Join Merri and me or Ecuador Living’s staff in Ecuador in March 2010.

internet-success

This Alexa.com chart shows our that website’s reach at times is 4/100s of a percent of all websites.  That is a lot of reach for a tiny two person business.  More important… the trend of our ranking and our reach over 2007, 2008 and 2009 has been up and up.

Join us so we can help you enjoy prosperity from change as well.

Here is what one delegate at our Quantum Wealth seminar last week wrote:

Thanks mucho for everything.  Just so you know, we are in brain overload right now, thanks to you! Your course was awesome! So much to do! I am overwhelmed and going in a hundred directions!

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

March 15    Travel to Quito

March 16 Travel Quito Cotacachi

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

March 19-20    Cotacachi Shamanic Tour

March 21  Travel Cotacachi to Manta

March 22-23   Manta & Mid Coast Real Estate Tour

March 24 Travel Manta to Cuenca

March 25-26 Cuenca Real Estate Tour

March 27  Travel Cuenca to Salinas

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

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

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

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

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

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

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

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

Even Better.  Greater Savings. Our 2010 International Club membership allows you and a guest to attend as many of the 51 courses and tours we’ll sponsor and conduct in 2010  (fees would be $40,947 for all these courses individually) is only $3,500.

If you join the International Club, the entrance fee for 2010 is $3,500.  Your attendance fees at all courses will be waived. You and a guest of you choice can attend courses worth $40,947.You can calculate the savings as our schedule of all 2010 courses here.
International Club 2010 Membership $3,500 Enroll here

International Club Three Monthly Payments of $1,190

Our Spring 2010 schedule starts:

Apr. 12-15   Ecuador Export Tour ($499 or couple $749)
Apr. 17-18   Imbabura Real Estate Tour ($499 or couple $749)
Apr. 20-21  Coastal Mid Coast Real Estate Tour ($499 or couple $749)
Apr. 23-24  Quito & Mindo Real Estate Tour ($499 or couple $749)
Apr. 26-27  Cuenca Real Estate Tour ($499 or couple $749)

The multi tour discounts remain effective for the April tours.

See After Escaping Jobless Rolls, Trauma May Linger

Federal Pay Continues Rapid Ascent

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Ecuador Real Estate Search


When you start your Ecuador real estate search, remember a thought that has been around for quite awhile…”Veni Vidi Vici.”

I came… I saw… I conquered.  The phrase is not “I conquered over the internet and then flew down”.

The biggest most important factor is first to come… The second is to look and see.   Then conquer.

Yesterday’s message shared a reader’s question at Ecuador B&B Search.

The reader also asked:  How much time would be needed to find a place and settle the purchase?  On average 9 days, or a few weeks?

Possibly in the first few years we`d be unable to visit for more than 5 weeks of the year.   Our biggest problem is for our employer to give us any time off from work .  It`s not possible to have any unpaid leave.  My husband thinks we need to go in 2 months because if we wait 12-14 months the prices may have escalated significantly .  What do you think?

Here is my reply.  I do not think this is a realistic plan. You should not be rushed to buy.  Better to take a year or two and use your vacations for trips. Look.  Get a feel of Ecuador and Ecuador’s real estate market… then rent or buy.

Merri and I spent six years, living, traveling and looking at Ecuador real estate before we made our first Ecuador real estate purchase. Good values are found by knowing the market… being available to buy and being able to make a good offer when a good deal comes through.

You’ll have a better chance of buying as a well informed buyer later than rushing to buy earlier when you are ill informed!

Merri and I recently bought an estate in Florida. This process took almost a year and we knew Florida really well to begin!  We had lived in Florida for more than 20 years and Merri over 30 years… yet  before we purchased we researched, traveled all over the state and look at hundreds of properties before making our first offer (which was turned down).

See more on how we buy real estate at Ecuador to Florida and at Value Investing Dairy to see the laborious process we used to find this house…

ecuador-value-real-estate

with this view and…

Ecuador-value-real-estate

this waterfront.

Ecuador-value-real-estate

at a good value… we hope.

See how this process helped us buy our Ecuador Hotel Meson de las Flores in a 30 second decision…

Meson’s colonial architecture charms and welcomes you.

Cotacachi hotel El Meson

based on seven years of research.

Here is Meson’s courtyard.

Cotacachi hotel El Meson

Our websites and daily messages can help you learn the rules about buying Ecuador real estate.  Visiting… seeing for your self and experiencing Ecuador helps you learn the exceptions to your rules.  So use the intelligent order that was given to us so many millenniums ago.   “Veni Vidi Vici.” come… see… conquer. This is the way.

Gary

Join us in Ecuador. We can help you see Ecuador real estate.

December 6-8 Blaine Watson’s  Beyond Logic & Shamanic Tour

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

Join us in 2010. See our winter Ecuador real estate tours below.

Jan.   8-11     Ecuador Export Tour $499 Couple  $749

Jan. 13-14     Imbabura Real Estate Tour   $499 Couple $749
Jan. 21-22     Coastal Real Estate Tour $499 Couple $749
Jan. 23-24    Quito-Mindo Real Estate Tour  $499 Couple $749
Jan. 22-23    Cuenca Real Estate Tour  $499 Couple $749

Enjoy extra savings with our special early bird fees (if you enroll in November 2009)

Feb. 11-14   Quantum Wealth Florida -International Investing & Internet Business, Mt. Dora, Florida ($749) Couple $999

Feb. 15-16   Travel to and visit Quito
Feb  17         Travel to Manta
Feb. 18-19   Coastal Real Estate Tour   $499 Couple $749 or discounted fee for multiple tours below.
Feb. 20        Travel to Cotacachi
Feb. 21-22   Imbabura Real Estate Tour  $499 Couple $749 or discounted fee for multiple tours below.
Feb. 23-24  Quito-Mindo Real Estate Tour $499 Couple $749 or discounted fee for multiple tours below.
Feb. 26-27  Cuenca Real Estate Tour  $499 Couple $749 or discounted fee for multiple tours below.

Mar. 11-14     Super Thinking + Spanish Course, Mt. Dora, Florida $749 Couple $999

Mar. 15-16    Travel to Quito and Andes
Mar. 17-18     Imbabura Real Estate Tour   $499 Couple $749 or discounted fee for multiple tours below.
Mar. 19-20    Cotacachi Shamanic Tour      $499 Couple $749 or discounted fee for multiple tours below.
Mar. 22-23    Coastal Real Estate Tour        $499 Couple $749 or discounted fee for multiple tours below.
Mar. 25-26    Cuenca Real Estate Tour        $499 Couple $749 or discounted fee for multiple tours below.

Enjoy extra savings with our special early bird fees (if you enroll in November 2009)

2 seminar courses & tours $949 Couple  $1,399

3 seminar courses & tours   $1199 Couple  $1,749

4 seminar courses & tours   $1,399 Couple $2,149

5 seminar courses & tours  $1,599 Couple $2,499

6 seminars courses & tours  $1,999 Couple $2,999

(Be sure to show in the comments section which courses and tours you are attending)

International Club attend up to 52 courses and tours in 2010 free.

See our entire 2010 seminar and tour schedule here