Tag Archive | "Investment"

Sandalwood – Better Than Gold


An investment in sandalwood has been better than gold.. or stocks… or bonds… by far.

Our February 14-15-16, 2014 International Investing and Self Publishing seminar had a sandalwood investment review because the price of Sandalwood has risen 22.8 times in the last 10 years.

sandalwood price

There have been huge increases in demand for sandalwood.   The supply has dwindled so badly that the sandalwood tree is now a protected species.

Gold has risen three times in the same 10 years while sandalwood rose over seven times faster.

We’ll have an indepth review of sandalwood and see three ways to invest in this rare wood and why an obscure share of a small obscure Australian company, TFS corp., may be the best way to enjoy sandalwood profits.  We’ll have a sandalwood expert on hand to speak about the health benefits of sandalwood essential oil and how the demand for sandalwood may grow.

Since I began to research this investment less than a month ago, the shares have already shot from A$.95 cents to A$1.20.  The shares have risen over 142% in the last year.

TFS share chart

You do not have to wait until a seminar to get details. To help you understand the value of this opportunity, I have published a 63 page report at Amazon.com.  The price for the report at Amazon.com will be set at $9.99 after the seminar but for this week I have set the price at a much lower $2.99.

Order the report at Amazon.com and discover why Sandalwood can be better than gold.. or stocks… or bonds… by far…or better yet come to the upcoming conference for all the details!

See details at www.amazon.com

Gary

Join us this February 14-15-16 for a review on three commodity shares in copper, silver and sandalwood.

Montreal Multi Currency Seminar

Multi Currency Investing Seminar October 10-11-12, 2014.

montreal

Join us for the leaf change and a multi currency investing seminar in Montreal.

quebec city

After Montreal we’ll have an optional trip on Rail Canada to Quebec City to  spend the night at the Chateau Frontenac where we’ll talk about global economics, self publishing, super thinking or whatever.

* Ecuador Living & Emerging Country Living Review.

What to do in Ecuador & why. Where’s next… benefits in Cuba & Argentina.

* How to protect your savings, your pension with multi currency investments.

* How to be more Intelligent with Super Thinking.

The multi currency seminar integrates lessons on Super Thinking with  protecting purchasing power and pensions with multi currency investing. The course teaches how to add safety and create to profit from multi currency breakouts.

Value Investing Outside the Box. Here is a partial syllabus of the Multi currency value investing seminar:

* See new breakout possibilities… in global investing.

* How to have the three point command posture. Live in one country – Earn in a second country – Bank and invest in a third country.

*  Benefits of early investments in an oil that’s up 22.8 times in the past ten years.

* Beyond Gold.  Three hard assets that protect against all currency erosion.

* The Small Country Effect.  Why small markets rise more than large ones.

* Three Top Value small markets and how to easily invest small or large amounts.

* The Borrow Low Strategy. Borrow at 3% and invest for 8.47%

* The best four currencies for the year ahead.

Few decisions are as important to your wealth as WHICH CURRENCIES to invest in.  This has been our area of expertise since the 1970s… and we have worked with Jyske Bank…. one of the largest currency traders in the world for over 25 years.  We have a strategic alliance with ENR Asset Management a Canadian investment management company that works with Jyske Bank so Americans can gain multi currency investments as well as Canadian and Danish investments.

Eric Roseman and Thomas Fischer will review portfolio and currency updates.  Thomas and Eric have worked with us for nearly two decades. * Seven Strong Buy Stocks that rise from the cycle of war, productivity and demographics.

Details in this session also include:

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

* We’ll also look at the benefits of investing in real estate in Small Town USA.   We will share why the 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 – how interest rates at zero eliminate opportunity costs of diversification in precious metals and foreign currencies.

* New tax strategies.  How to create businesses that earn income and reduce tax.

At the seminar we will update Ecuador real estate and residency rules with data provided by our own Ecuador attorneys. Session Four: Super Thinking.  There are numerous little known, but scientifically proven ways to enhance the speed, accuracy and efficiency of your decision making process for greater wealth, health and happiness.

In this three day seminar you can gain almost amazing learning skills. At least three best selling books, Superlearning, the Mozart Effect and Superlearning 2000 have revealed insights about how we can learn and think more powerfully based on systems drawn from the Bulgarian, Dr. Georgi Lozanov and his incredible techniques which Merri had the privilege of studying in the 1970s. In 1980 Superlearning sold over two million copies and showed how the Lozanov learning system blended long-tested sciences of yoga with contemporary physiology and psychology so people could learn faster and better.

This system teaches how to integrate brain waves through all five sense so the process of absorbing, processing and recalling information is vastly accelerated.  You learn how to use music, aromas, touch, colors and tastes to gain the three C’s:  Calm, Clarity and Coherence. This is a course that shows you how to increase your mental power to better succeed in the 21st century when we can otherwise be overwhelmed by so much information. We are in our 46th year of business.  We share what we have learned in our upcoming seminar.

Join us. Spotting new trends and applying them to our micro business has brought us a strong and continual flow of income through good times and bad.  More importantly the process has been fulfilling… has helped the world and our health.   Now you can benefit from the latest… and perhaps strongest… of all the trends we have stumbled upon. Applying the concepts of Super Thinking to spotting trends over the past 45 years has helped thousands of our readers make and save millions.   The success of our readers has been a driving force in our lives. We have always wanted to do more so continued looking deeper at ways we can share how to have income, stability, good health and contentment. Join us to learn our most recent experiences and most advanced concepts and ideas.

Join Merri and me at our Super Thinking + Multi Currency Investing Seminar  Enroll here $799.   Couple $999

 

 

 

 

Dow’s Plunge Creates Three Profits


The Dow’s plunge creates three profits, for Spanish speakers, self publishers and investors.

First, here is the opportunities for investors.

Emerging markets offered a 40% discount last week.  Now they offer better value.  See why and what we will predict at our upcoming International Investing and Self Publishing seminar coming up Feb. 14, 15, 16.

wall street journal graph

Image Wall Street Journal article  U.S. Markets Tumble as Fear Spreads by Prabha Natarajan, Nicole Hong and Chris Dieterrich.

The current stock market slide will generate fear in many investors.  However, we should feel opportunity instead.   This shift is creating the next great breakout.

Friday’s WSJ article “U.S. Markets Tumble as Fear Spreads” article said:  “Stocks Post Worst Loss in Seven Months as Investors World-Wide Confront Pullback in Stimulus, Growth Worries.

The article told how this plunge will make emerging markets plunge even more.   This sector was already shaping into a huge bargain due to a factor called the “Small Country Effect”.

Keppler Video

See Michael Keppler Video on the Small Country Effect. Click here

There was a short term anomaly during the big 2009 market correction that threw the average price of developed stock markets below that of emerging markets… especially in Europe.   That distortion disappeared last year and Keppler Asset Management’s latest analysis shows that emerging markets remain less expensive (by far) than developed markets.  The 2013 run-up of equities has pushed developed market equity prices near all time highs.  The chart below shows why emerging markets are now overall a better value than developed markets.

The average p/e ratio for developed markets has risen to 17.9.  Emerging markets overall are at a much lower p/e average of  12.1.  Even better Keppler Asset Management’s Top Value Emerging Markets are valued at a lower 10.7 p/e ration as shown in the chart below.

See the nine Top Value Emerging Markets below.

Once a quarter we review all developed multi currency equity markets through the Keppler Asset Management’s Global Market Value analysis.

If you are a new reader learn about Keppler Asset management here.

Multi Currency Emerging Market Value Update Winter 2014.   Recent Developments & Outlook

Emerging markets equities have disappointed both in the last quarter in 2013. In the fourth quarter 2013, the MSCI Emerging Markets Total Return Index (December 1988 = 100) advanced 3.0 % in local currencies and 1.8 % in US dollars.

Due to the ongoing strength of the Euro, however, the global emerging markets equity benchmark was flat in Euros last quarter.

While the emerging markets benchmark was able to eke out a 3.4 percent total return in local currencies last year, weak local currencies kept their pressure on the 2013 benchmark returns in US dollars (down 2.6 %) and Euros (down 6.8%).

Among the three regional indices, Asia gained 3.6 %, Europe, Middle East and Africa (EMEA) advanced 2.4 % and Latin America gained 1.3 %.

Year-to-date, only Latin America continues to show a negative total return (-4.6 %), while EMEA is up 7.2 % and Asia gained 5.2 %. Performance numbers are in local currencies unless mentioned otherwise.

Fifteen markets advanced and six markets declined over the last quarter.

Egypt (+20.4 %), India (+9.0 %) and South Africa (+6.5 %) performed best.

Colombia (-9.9 %), Turkey (-8.8 %), and Hungary (-8.1 %) did worst in the last three months.

In 2013, for the entire year, eleven emerging markets advanced and nine declined.

Poland was unchanged.

Greece (+44.5 %) — which only entered the MSCI Emerging Markets universe at the end of November 2013 — Egypt (+17.3 %) and South Africa (+15.8 %) performed best.

Peru (-29.8 %), Chile (-14.4 %) and Colombia (-13.8 %) fared worst last year.

There was no change in our performance ratings last quarter. The Top Value Model Portfolio contains the nine markets — Brazil, China, the Czech Republic, Hungary, Korea, Malaysia, Poland, Russia and Taiwan — at equal weights.

According to our performance ratings, an equally-weighted combination of these markets offers the highest expectation of long-term risk-adjusted performance.

The following table shows how the Emerging Markets Top Value Model Portfolio compares to the MSCI Emerging Markets Index and to the MSCI Developed Markets Index at the end of 2013, based on selected asset and earnings valuation measures:

Keppler Emerging Market Analysis

Click on image to enlarge

Based on our valuation and return analyses, the emerging markets are now undervalued by 25 % versus the developed markets, while the Emerging Markets Top Value Model Portfolio is now undervalued by 19 % versus the MSCI Emerging Markets Index and by a whopping 40 % compared to the MSCI World Index of the developed markets. This bodes well with regard to potential outperformance of Emerging Markets in general and our Emerging Markets Top Value Model Portfolio in particular over the next three to five years.

Michael Keppler New York, January 17, 2014

Multi Currency Subscribers can see the full 49 page Keppler value analysis report including the neutral and poor value (sell) markets at the password protected multi currency site. Click here.

See how to get a password here.

Profits for Self Publishers and Spanish Speakers.

The drop in Latin currencies will make these countries increasingly attractive and open opportunity for travel writers who want to travel and create niches there.  Those who speak Spanish will gain the best advantages.

The small country effect will add huge opportunities in South America so we have added an additional Spanish course for March 28-28 and 30 2014.  See below how to attend this three day course free.Gary

Montreal Multi Currency Seminar

Multi Currency Investing Seminar October 10-11-12, 2014.

montreal

Join us for the leaf change and a multi currency investing seminar in Montreal.

quebec city

After Montreal we’ll have an optional trip on Rail Canada to Quebec City to  spend the night at the Chateau Frontenac where we’ll talk about global economics, self publishing, super thinking or whatever.

* Ecuador Living & Emerging Country Living Review.

What to do in Ecuador & why. Where’s next… benefits in Cuba & Argentina.

* How to protect your savings, your pension with multi currency investments.

* How to be more Intelligent with Super Thinking.

The multi currency seminar integrates lessons on Super Thinking with  protecting purchasing power and pensions with multi currency investing. The course teaches how to add safety and create to profit from multi currency breakouts.

Value Investing Outside the Box. Here is a partial syllabus of the Multi currency value investing seminar:

* See new breakout possibilities… in global investing.

* How to have the three point command posture. Live in one country – Earn in a second country – Bank and invest in a third country.

*  Benefits of early investments in an oil that’s up 22.8 times in the past ten years.

* Beyond Gold.  Three hard assets that protect against all currency erosion.

* The Small Country Effect.  Why small markets rise more than large ones.

* Three Top Value small markets and how to easily invest small or large amounts.

* The Borrow Low Strategy. Borrow at 3% and invest for 8.47%

* The best four currencies for the year ahead.

Few decisions are as important to your wealth as WHICH CURRENCIES to invest in.  This has been our area of expertise since the 1970s… and we have worked with Jyske Bank…. one of the largest currency traders in the world for over 25 years.  We have a strategic alliance with ENR Asset Management a Canadian investment management company that works with Jyske Bank so Americans can gain multi currency investments as well as Canadian and Danish investments.

Eric Roseman and Thomas Fischer will review portfolio and currency updates.  Thomas and Eric have worked with us for nearly two decades. * Seven Strong Buy Stocks that rise from the cycle of war, productivity and demographics.

Details in this session also include:

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

* We’ll also look at the benefits of investing in real estate in Small Town USA.   We will share why the 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 – how interest rates at zero eliminate opportunity costs of diversification in precious metals and foreign currencies.

* New tax strategies.  How to create businesses that earn income and reduce tax.

At the seminar we will update Ecuador real estate and residency rules with data provided by our own Ecuador attorneys. Session Four: Super Thinking.  There are numerous little known, but scientifically proven ways to enhance the speed, accuracy and efficiency of your decision making process for greater wealth, health and happiness.

In this three day seminar you can gain almost amazing learning skills. At least three best selling books, Superlearning, the Mozart Effect and Superlearning 2000 have revealed insights about how we can learn and think more powerfully based on systems drawn from the Bulgarian, Dr. Georgi Lozanov and his incredible techniques which Merri had the privilege of studying in the 1970s. In 1980 Superlearning sold over two million copies and showed how the Lozanov learning system blended long-tested sciences of yoga with contemporary physiology and psychology so people could learn faster and better.

This system teaches how to integrate brain waves through all five sense so the process of absorbing, processing and recalling information is vastly accelerated.  You learn how to use music, aromas, touch, colors and tastes to gain the three C’s:  Calm, Clarity and Coherence. This is a course that shows you how to increase your mental power to better succeed in the 21st century when we can otherwise be overwhelmed by so much information. We are in our 46th year of business.  We share what we have learned in our upcoming seminar.

Join us. Spotting new trends and applying them to our micro business has brought us a strong and continual flow of income through good times and bad.  More importantly the process has been fulfilling… has helped the world and our health.   Now you can benefit from the latest… and perhaps strongest… of all the trends we have stumbled upon. Applying the concepts of Super Thinking to spotting trends over the past 45 years has helped thousands of our readers make and save millions.   The success of our readers has been a driving force in our lives. We have always wanted to do more so continued looking deeper at ways we can share how to have income, stability, good health and contentment. Join us to learn our most recent experiences and most advanced concepts and ideas.

Join Merri and me at our Super Thinking + Multi Currency Investing Seminar  Enroll here $799.   Couple $999

New Risks Emerge


New risks have emerged in emerging markets for three reasons.

In 1968 when I first arrived in Hong Kong, I did not realize that I was in the middle of the beginning of one of the biggest socio-economic shifts in the history of mankind. Emerging markets were just beginning to emerge and Hong Kong was a leader. The Heng Seng index was 100.  Today it is over 22,000.

Now that era is dead.

heng Seng

Heng Seng chart from 1986.  By then it had already risen form 100 to 2,500.
The emerging market explosion is over and right now extra risks emerge.

Reason #1: Egypt.  The turmoil there will set many investors in emerging markets on edge.

Reason #2:  Energy Shifts.  There have been two energy sources that have fueled  industrialization over the past 300 years. Fossil fuels have accelerated this economic shift. The other fuel has been farmers moved from rural to urban and suburban environments.   As these farmers moved from the farm to the factory they dramatically improved their productivity at a very low educational cost.  Their enhanced wages increased their consumption.

The burst of emerging market growth has been fueled by cheap labor and fossil fuels.

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

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

Reason #3: Valuations.   In the past, emerging markets simply offered better value than major markets.  You could buy emerging market shares with better P/E and ratios… and returns on investment.   This meant that one easy diversification was to reduce positions in major stock markets and increase positions in emerging markets.

Increased emerging market costs mean that we can wantonly just jump into any emerging market.  

Our value analysis noted several years ago that emerging markets were no longer the best value markets.  October 2011 Emerging Market Value Update said: Look for emerging market value. Times and conditions are changing.  We cannot count on emerging markets rising as they have in the past.    The way to adjust to this fact is to continue seeking value.

The July 21, 2013 article “When giants slow down” is an important read for investors in emerging markets. Here are a couple of inserts. A link to the entire article is below.  The most dramatic, and disruptive, period of emerging-market growth the world has ever seen is coming to its close

THIS year will be the first in which emerging markets account for more than half of world GDP on the basis of purchasing power, according to the International Monetary Fund (IMF). In 1990 they accounted for less than a third of a much smaller total. From 2003 to 2011 the share of world output provided by the emerging economies grew at more than a percentage point a year (see chart 1). The remarkably rapid growth the world has seen in these two decades marks the biggest economic transformation in modern history. Its like will probably never be seen again.

BRIC economies are contributing less to global growth. In 2008 they accounted for two-thirds of world GDP growth. In 2011 they accounted for half of it, in 2012 a bit less than that.

Other countries have impressive growth potential. Goldman Sachs touts a list of the “Next 11” which includes Bangladesh, Indonesia, Mexico, Nigeria and Turkey. But there are various reasons to think that this N11 cannot have an impact on the same scale as that of the BRICs.

The first is that these economies are smaller. The N11 has a population of just over 1.3 billion. That is less than half that of the BRICs.

The world as a whole has less catch-up potential than it used to. Its most populous countries are no longer all that poor and its poor countries are no longer all that populous.

Today, European markets offer better value than emerging markets.  A wave of unrest that could flow from the Egyptian turmoil could create a short term drop in emerging markets.  This short term risk coupled with the long term fundamentals shown above mean that one should consider reducing the weighting of portfolios in emerging markets and shift a portion of their portfolios from emerging to European markets.

fincne.yahoo.com chart

Chart from www.finance.yahoo.com

There are many ways to invest in European shares. One of the easiest is with an ETF that tracks European markets.  One example is ProShares Ultra MSCI Europe ETF.

This ETF seeks a return of 200%, over a single day, of the return of the MSCI Europe Index, a free float-adjusted market capitalization-weighted index that is designed to measure the equity market performance of the developed markets in Europe. The Index consists of the following 16 developed market countries: Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy, the Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, the United Kingdom.  This Exchange-Traded Fund is listed on the U.S. NYSE exchange with a ticker symbol: UPV.

The problem of over weighting in Europe is the euro.   Since announcing that ENR Asset management will take over the management responsibilities of Jyske Global Asset Management next month, I have been following ENR’s Monthly Outlooks.

The July 2013 outlook said: Financial Repression’ is increasing as Portugal becomes the latest nation to force pensioners to include up to 90% exposure to sovereign bonds up from 55%.

Spanish social security assets are already invested heavily in local government debt and Italy is selling sovereign bonds across the country vis-à-vis online retailers.

France has forbid the import or export of physical gold.

As nations attempt to avoid outright default, local investors will be forced to buy domestic government securities in order to fund gaping holes in budgets.

Europe’s credit crisis has erupted again this summer as Portugal’s political crisis spills over into government bond markets; France, which we view as the next ‘wildcard’ in the Euro-zone, was recently downgraded by Fitch or the last of the the main three rating agencies. If France’s bond market comes under attack by the vigilantes, then EMU or European Monetary Union, might be threatened or possibly, destroyed.

ENR also provides a solution.

The ENR Global Currency Sandwich, an equally weighted anti-dollar portfolio including the Norwegian krone, Swedish krona, Singapore dollar, New Zealand dollar and gold bullion is down 8.84% this year.

This compares to a rise of 6.62% for the Wall Street Journal Dollar Index and a gain of 4.18% for the U.S. Dollar Index or DXY.

The U.S. dollar is King in 2013 and ransacking almost every currency as it trades near its high.

By far the biggest loser this year is gold, down more than 23% and logging its worst quarter in forty years in Q2. Other currency constituents in our sandwich are also down: The Norwegian krone is off 9%, Swedish krona down 2.7%, Singapore dollar down 3.3% and the kiwi is off 6%.

Currency shots

ENR’s currency recommendations:

Look at the fundamentals from the August 17, 2o13 economic indicator section of the Economist.

Currency shots

Currency shots

Currency shots

Currency shots

(Click on images to enlarge.)

Here is why these currencies are of special interest.  First, all four of these countries have much better currency fundamentals.  All (except NZ) have a positive trade balance and current account compared to America’s huge shortfall.  Second, all four deficits as a percent of GDP run from a quarter to a half of that n the USA.  Finally interest rates are equal or higher than in the US.

In addition Sweden and Denmark are part of the EU, but use their own currency.  If the European market rises and the euro drops… shares in these currencies will gain a double profit.  The New Zealand dollar is part of the dollar block but has much stronger currency fundamentals.

For details on the ENR  Currency Sandwich Portfolio contact Thomas Fischer at fischer@jgam.com
A new era has begun.  From 1968 until 2011 there was one idea we could rely on…. emerging markets offered better value than emerging markets. This is true no more… but through all the shifts…. through all the change… through all the ups and downs and noise, there is one approach that we have always been and can still rely on.   The relentless search for value always brings profits in the long run.

Gary

Meet with Thomas Fischer and ENR Asset Management at International Club Think Tanks.

Belong to the International Club

 

We have added new courses for our 2014- 2015 schedule Super Thinking + Spanish  July 18, 19, 20 and a Global Investing seminar in Montreal October 10, 11, 12.

International Club members can attend our seminars and course free.

Join Merri and me all year long and share ideas for better natural health… greater wealth…. as you serve the community and enjoy personal fulfillment.   Learn how to enhance positive purpose…. enthusiasm… fulfillment… as you gain extra income, profits and fun.

I invite you to join the International Club for 2014 and winter of 2105.

Join us this summer in the Cool Blue Ridge in summer… plus Montreal and Mount Dora next winter.

Back Street West Jefferson

West Jefferson Farmers market.

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

Join Merri and me for all the courses and seminars that we’ll conduct in 2014 and 2015 FREE.   Gain positive solutions to your economic, financial and lifestyle concerns..

Here are the courses you can attend at no cost. (New seminars added are in bold).

June 13-14-15  Super Thinking Writer’s Camp, West Jefferson, North Carolina.  (Normally $999.  Free for club members)

July 18-19-20 Super Thinking + Spanish, West Jefferson, North Carolina. (Normally $899.  Free for club members)

August 30-31-September 1 Super Thinking Writer’s Camp, West Jefferson, North Carolina. (Normally $999.  Free for club members)

October 10-11-12 International Investing & Business Seminar, Montreal, Quebec, Canada. (Normally $999.  Free for club members)

November 14-15-16 Super Thinking Writer’s Camp, Mt. Dora, Fl. (Normally $999.  Free for club members)

January  16-17-18 Super Thinking + Spanish, Mt. Dora, Fl. (Normally $999.  Free for club members)

February 13-14-15 2015  Super Thinking Writer’s Camp, Mt. Dora, Fl. (Normally $999.  Free for club members)

Save $2,796 plus much more.  Even if you attend only two seminars you save.

Learn Spanish.

Members can attend the Super Thinking + Spanish course that Merri and I teach free.

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

Back Street West Jefferson

West Jefferson July Festival.  Summer courses are held in West Jefferson North Carolina

mt-dora-images tags:"2012-4-20"

February Mount Dora Arts Festival.  Lake County (Mount Dora and Eustis Florida) is the site of our 2014-15 winter courses.

There are many benefits of membership.

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

You (and a guest of your choice) can attend all of the seminars shown above in the year ahead FREE.

montreal

Join us for the leaf change and an international investing seminar in Montreal.

quebec city

After Montreal we’ll ride Canadian Pacific Rail to Quebec City and spend the night at the Chateau Frontenac where we’ll talk about global economics, self publishing, super thinking or whatever.

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

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

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

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

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

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

Sixth, you become a beta member in our newest online course “Event – Full Business – How to have a Seminar and Tour Business” currently offered at $175.

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

Five Positive Steps

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

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

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

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

#4: Commodities that rise with inflation.

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

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

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

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

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

Yet there is more.  Much more.

ashe-county

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

Make the Years Ahead Your Best Years Ever

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

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

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

Focus on Ecuador & Smalltown USA & Canada

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

Absorb  through  Osmosis

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

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

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

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

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

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

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

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

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

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

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

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

Another savings: Lifestyle for Two.

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

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

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

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

Gary

You and a guest can attend all of our seminars, courses online courses plus $1,246 of online value.  Club membership is $1,799.   If you attend only two courses or seminars the $1,799 is less than the price of two seminars… plus you receive all of the online courses and updates.

ONE MORE BENEFIT.  Most years we add another course or seminar or two more than we planned.  If we do, you can attend these free as well.

Become an International Club  Member $1,799.

Back Street West Jefferson

Bluegrass music performed FREE on summer nights in West Jefferson.

Save even if you attend only two seminars you save.

Yes, I want to become an International Club Member. 

Annual membership $1,799. Click  here.

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Mount Dora Florida.

 

When giants slow down

Great Pension Robbery II


The is the second message in the Great Pension Robbery series.

Dad was a zookeeper. My sister Sandra and I benefited from this because dad brought baby lions for us to raise at home. What fun!  We loved them… so cute, warm and cuddly… sort of like a pension.

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Portland news article about us raising “Boots” our first lion.

Pensions can make us feel all warm and cuddly… safe in the future… with not a care in the world.  Then like lions they can grow up.

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Oops.  Here is dad with Boots some months later… not so cute… not so cuddly and he might just bite us in the… but there is a solution.

The first chapter in this series The Great Pension Robbery reviewed three ways that the purchasing power of pensions can be stolen away.

That article examined the first way pensions can be robbed through under funding from insufficient contributions.

Two other forms of pension theft… are lowered return on assets and the destruction of the pension currency in upcoming messages.

This message looks at pension theft from lowered return on assets

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Thomas Fischer speaking at the  Writer’s Camp delegate at our summer home.

Thomas Fischer sent me this note (bolds are mine):  Hi Gary,  Yesterday the ECB lowered interest rates by 0.25% (deposit and loan rates).

As a consequence Denmark also lowered its interest rate by 0.25% (loan rate reduced from 0.45 -0.20%) and the Central Bank also lowered its CD rate (banks deposit rate at the Central bank) by 0.25% to minus 0.20%. It’s the first time in the Central bank´s  200 years history they have had negative CD rates.

They are doing this to keep the currency peg towards the EUR (it can move within a 2.25% band). The Danish kroner is a safe haven and the Central Bank has taken this step to stop the rise of the kroner.

Danish 1 year government bonds yield minus 0.268% whereas investors can get a “whopping”  1.232% on a 10 year bond!

Great if you a looking for financing but for savers it’s awkward!  Thomas

Ways how to get ideas on better returns from Jyske contact: Thomas Fischer at fischer@jgam.com

Canadians and other non Americans should contact Jyske’s  René Mathys at mathys@jbpb.dk

There you have it… you have to pay to have a bond in a safe currency issued by a safe government.  This is not a low return. This is a negative return.

Your pension contributions may be based on the expectations of earning 8% per annum.

Here is an excerpt from a New York Times article entitled “Public Pensions Faulted for Bets on Rosy Returns” by Mary Williams Walsh and Danny Hakim:   While Americans are typically earning less than 1 percent interest on their savings accounts and watching their 401(k) balances yo-yo along with the stock market, most public pension funds are still betting they will earn annual returns of 7 to 8 percent over the long haul, a practice that Mayor Michael R. Bloomberg recently called “indefensible.”

In New York, the city’s chief actuary, Robert North, has proposed lowering the assumed rate of return for the city’s five pension funds to 7 percent from 8 percent, which would be one of the sharpest reductions by a public pension fund in the United States. But that change would mean finding an additional $1.9 billion for the pension system every year, a huge amount for a city already depositing more than a tenth of its budget — $7.3 billion a year — into the funds.

But to many observers, even 7 percent is too high in today’s market conditions.

Projection 7% or 8%. Reality – .02%.

Most pensions are being robbed through these unrealistic projections. The high estimated return reduces the contributions that will be needed for the retirees in later years.   This is a very subtle theft but just as deadly to purchasing power as an armed bandit with his kerchief and gun.

The past wisdom of relying on pensions for retirement may not be so wise in today’s economic and demographic environment.

Gary

One adventurous way to extra earn income is with a seminar tour or events business. To see more details on how to start an events business, click here.

Another way to have a steady income is through agriculture.

Ecuador Agricultural Real Estate Tour

Join an Ecuador farm real estate tour.

You can set the date for your own tour.

This for those who would like to look at Ecuador farm property.

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Imagine having a multi dimensional opportunity like this.

There are opportunities to own an Ecuador farm with a combination of beach front and agriculture.

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Delegates visiting Ecuador farm on beachfront with multi dimensional opportunity.

See three case studies of Ecuador farms… large, medium and small that offer a sustainable, healthy lifestyle and income protected from inflation.

Merri and I have always focused on turning our passions into profit and we all love living on farm land!

Learn to tap root values and create multi dimensional opportunity on a farm is part of the new way of creating a better lifestyle.

Merri and I live on a farm in North Carolina… a orange grove in Florida and  our first Ecuador property purchased many years ago was also agricultural land… over 900 acres… formerly in sugar cane, citrus, pineapples and avocados… the top soil deep and rich.

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Here is a photo of Merri feeding one of our horses.  We still have this hacienda, Rosaspamba, (the place of the roses).

Plus we have added more agricultural land to our portfolio… and are looking to add more.  We love earning from our crops as well as writing seminars and tours.

You can live a wonderful pure lifestyle like this on an Ecuador farm.

Economic history since before WWI suggests that we’ll see the final crunch of this 15 year bear in 2011 and perhaps 2012.  Then the light at the end of the tunnel will appear… slowly at first but picking up a head of steam aiming for the next bubble of something like 2030.

Already the price of farm land globally has been soaring and often in North America is out of reach for individuals.

This is why in the last several years I have been writing about and adding agricultural real estate to one’s portfolio.

There are few places with as much agricultural potential and diversity as Ecuador. It is not surprising that many readers want to own and live on Ecuador farmland.

Ecuador agriculture can offer a better lifestyle and opportunity at an affordable price. 

Sometimes we forget the importance of life’s basics…such as food.  Until those basics cost more than we can afford.

Why Ecuador agriculture is special is explained in a Wall Street Journal article that began: “Prices of farm goods are climbing – in part because of demand for crop-based fuels – pushing up food prices around the world and creating a new source of inflationary pressure. The rise in food prices is already causing distress among consumers in some parts of the world — especially relatively poor nations like India and China. If the trend gathers momentum, it could contribute to slower global growth by forcing consumers to spend less on other items or spurring central banks to fight inflation by raising interest rates.”

This is one of the wonderful benefits of Ecuador agriculture, the extreme supply of excellent but low cost food.

Ecuador is a Garden of Eden and here is a fact you probably did not know. The inhabitants of this region developed more than half the agricultural products that the world eats today. Among these are more than many varieties of corn and potato. These foods also include squash, beans, peppers, peanuts, popcorn, yucca and quinoa.

They even learned to use freezing night temperatures and warm days to freeze dry potatoes and create potato flour.

At the market, three blocks from our hotel where we shop.  Open air restaurants in the front of the market offer excellent meals, vegetarian, or chicken, steak, fish or pork for about $1.

There are numbers of  fresh picked vegetables offered by happy friendly people.

And every type of fruit you can imagine, from pineapple to coconut, papaya, mango, apples, pears, bananas, berries and numerous other tropical fruits all at bargains prices by Western standards and ripe all year round.

Many exotic spices at a 1/20th the cost in the US or Canada. This makes life especially wonderful and inexpensive.

This is why I am pleased that Jean Marie Butterlin is conducting Ecuador real estate tours.  He wrote:  We live now as well in Bahia Ecuador on $2,000 a month as we did in Europe on $10,000 a month.

When you are planning to retire and live the good life, you should look at both parts of the equation, expenses and what you can earn.I have been able to lower my expenses considerably by living in Bahia.  We live in front of the Malecon enjoying the sun 320 days per year.

But the key to retirement is really in the INCOME part of the equation.   How can you generate income without working too hard?

The answer is to have an “outside the box”  plan.  If you do what everybody else does, chances are you’ll earn what everyone else does.

A lot of younger clients on our real estate tours ask  “How can  I generate a little income in Ecuador”?  They say they would move down immediately if they could. This started me thinking  about how to show a few select clients a chance to be part of that world of retirees in Ecuador who work only at what they like.

I have put together a special plan for those seeking to move and earn in Ecuador now!

Here is the plan and here are the facts:

* Every economist is currently saying that agriculture will be the next place to invest because :

  • God is not making more arable land.
  • The world is running out of food.  China has been buying and leasing arable land all over Africa and in South America for example.  A lot of the smart money is going into arable all over the continent.

* Ecuador has some of the cheapest yet best agricultural land in all of South America.  The climate is best for growing as well with 365 days a year of direct sunlight.  In many parts of Ecuador, farmers can get 3 and even 4 harvests per year, depending on the water available on the property.

* However, most Ecuadorian farmers have not yet learned how to produce and manage a farm. They are lacking higher education and management skills as well as equipment.  Some Ecuador farmers still plow with oxen.

*  Many Ecuadorian farmers do not know how to sell and do not treat the farm as a real business.

There is a great opportunity that lies in this combination of cheap, arable land, the geographical place of Ecuador on the equator and lack of good agronomical skills.

This is a tour for those who want to learn about Ecuador farms. and have $50,000 or more to invest in their home and income opportunity.

This tour will be conducted over three long, jam packed days to provide you a low cost efficient way to inspect Ecuador agricultural property that is legitimately for sale at a reasonable price.

Day 1 - 9 am to 6 pm: Detailed presentations by agri engineers and specialists of several type of agri businesses. These presentations  include costs, types of soils for each type of crop, risk analysis, potential profits, timing, where to find the buyers of crops,  introduction to buyers  looking for specific crops.

On the tour we look “outside the box” at crops that can for example produce “biofuel”. We’ll look at land where one company in Manta will buy every available crop at market price.   We know the owners of that company and you will be introduced to them.

Day 2: Visits farms for sale.  Here is one farm we will inspect.  This agri property has 203 hectares (507 acres) divided into:

28 hectares (70 cares) of balsa trees.  In 5 years these will fetch $30,000 a hectare.

30 hectares (75 acres) of African palm trees in production (the nuts fetch $250 per ton).

Ecuador-agricultural-land

- 140 hectares (350 acres) of pasture sufficient for 200 head of cattle or other crops that can produce an excellent return.

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- 3 small

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and one large river along the property with water availability.

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- Close to the main road

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- $6600/hectare ($2,640 an acre) asking including a small casita for caretakers.

Day 3: The tour inspects residential real estate… condos and houses for close to farms in nearby coastal cities including Bahia.

We will have inspected and investigated all properties prior paying special attention to three special issues:

* water on site
* access roads
* good port close

We will only show land that has water in Manabi province near Manta the second largest port in Ecuador.

We will have investigated electricity, pricing and title plus will have speakers during breakfast and dinners who will discuss these  issues and the legal matters pertaining to agri businesses in Ecuador.

These experts will be available for consulting during the tour and later… covering technical matters on which crops are best suited for each soil and what times of the year are best for planting and harvest.  The tour pays special attention to reviewing the marketing aspect of each crop and where to find buyers.

We use our contacts with local people were born in the area… who know the land owners… who know what the “market” price should be and we do not show farmland where the seller is asking an unrealistic price or if there are any doubts about ownership or clear title.

We also provide administration, accounting and legal consultants who will answer questions about owning and running a company in Ecuador, a civil code country and very different from the US and Canada which run on common law.

You can set the date for your own tour.

The Ecuador farm tour fee is $799 for single or  $999 couple.

For efficiency and logistics, this tour is strictly limited to 15 people… 4 persons per four wheel drive vehicle.

Ecuador has many Agricultural Advantages and we have been recommending the idea of investing in Ecuador agriculture for years.

This creates opportunity as well.

Ecuador’s geographical location gives it a distinct advantage in agricultural production. Its exports include asparagus, bananas, broccoli, cocoa, coffee, flowers, hearts of palm, lentils, papaya, passion fruit, pineapple, plantain, mango, red beans, and tomatoes. Ecuador has mainly an agricultural economy, though oil is its largest source of revenue, and industry has expanded. Agriculture employs 32 percent of the workforce. 6.4 million acres is used in agriculture. Permanent pasture covers 17 percent of the total area and forests nearly 43 percent. In the highlands subsistence agriculture and the production of staples for the urban areas are predominant (corn, wheat, barley, potatoes, pulses, and various vegetables). In the coastal lowlands tropical crops are grown to export. Ecuador is the largest exporter of bananas in the world and among the largest exporters of shrimp and roses.

Merri and I have been recommending Ecuador for over 15 years…we have been recommending investing in agricultural property for even longer. Agricultural property in Ecuador makes excellent sense for those who like both ideas.  We are very pleased that Jean Marie has created this excellent tour.  We are happy to share this opportunity with you.

Gary

Included in the price is the tour… the guides and are all local transportation.  Airfare to Ecuador… domestic airfare from Quito to Manta, lodging and meals are NOT included.

You can set the date for your own tour.

The Ecuador farm tour fee is $799 for single or  $999 couple.

For efficiency and logistics this tour is strictly limited to 15 people… 4 persons per four wheel drive vehicle.

Who Will Benefit From This Tour

Attendees on this tour will range from those who want their own sustainable farm or a full agricultural business.

Three Ecuador Farm Case Studies

Here are three case studies for three Ecuador farms… small… medium and large. (These farms are no longer on the market).

Case Study #1:  A good case study for those looking for a way of life and an income supplement is this  six acre organic tomato farm offered at $85,000 that delegates on on a real estate tour visited.   This shows a perfect little Ecuador retirement operation, so where should we start?

I think it is with the guinea pigs…

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The farm has many of them in these cages.

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Clover on the farm feeds them.  Their manure helps organically fertilize the corn.

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The corn husks are mixed with manure to be used as fertilizer and the corn feeds the…

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pigeons…

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chickens and…

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pigs.

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All of these animals create more organic fertilizer that this farmer uses to grow tomatoes.

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Here is the Ecuador organic farmer with our driver Jorge, Alberto Verdezoto and Peggy Carper.

Tomatoes grow quickly here it seems.  These newly planted organic tomatoes will be ready in three weeks. I find this hard to believe but this is what the farmer said.  Though my Spanish has been known to miss on occasion.

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These will look like…

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this and…

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provide

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income that…

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would provide a nice retirement income… $25,000 a year we are told.

Other benefits include farm fresh eggs.

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Trout are in the ponds next to the pigeon coops.

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You can set the date for your own tour.

The Ecuador farm tour  fee is $799 for single or  $999 couple.

Case Study #2:   This second case study shows a Coffee finca offered for $175,000 for someone who wishes to farm for a good income.

26 acre Inca Mountain Ecuador coffee finca  1 ¾ hour drive from Cotacachi.

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Ecuador coffee farm entrance.

The original owner spent two years searching for the perfect location to duplicate the exact terrain, altitude and growing conditions of the most successful coffee farms of Boquete, Panama and Columbia.

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Terrain and coffee plants.

After walking with an altimeter in hand and talking to reclusive indigenous farmers, this region was discovered with all the perfect conditions to cultivate exceptional Arabica coffee trees.

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Owners house with roof terrace.

This is a micro climate, blessed with abundant rainfall, in clean mountain air, bounded by a clear trout filled year around rushing river, protected from extremes of wind and large temperature fluctuations,  perfect for growing coffee.

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Open drying patio.

It has 11 hectares planted (manageable for a single owner), with approximately 50,000 Arabica, varietal Caturra (self pollinating) coffee trees which  are perfectly distributed over a hillside interspersed with a variety of fruit trees for shade.

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Oranges grown to protect coffee trees.

No problem selling this crop for top dollar due to its proven high quality.  The coffee sales last year grossed $70,000 so after $25,000 expenses, $45,000 was the net income.

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Coffee beans.

As well, an experimental 1 hectare of Geisha varietal.  Geisha is considered to be one of the finest coffees in the world and garnered the highest auction record in coffee history, fetching $170 per pound in 2010.  The first harvest of this varietal is expected in about 2 years.

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Coffee plants grown in greenhouse on farm.

This Andean  location provides an ideal environment for coffee growing without damaging the unique habitat of many species of birds.   Arabica coffee trees are a major source of oxygen production.  Each hectare produces 86 pounds of oxygen per day which is 50% of rain forest habitat.  Ecuador is a biologically diverse country with an abundance of birds, amphibians, reptiles and butterflies.  Inca Mountain Coffee Farm is ecologically in harmony with its environment.

The Arabica coffee trees are 6 years old, providing remarkable yields, allowing for continuous flowering and two annual harvests (major harvest Feb-Jun and minor harvest Oct-Nov).

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Covered drying patio.

In the yearly Golden Cup competition, coffee from this farm was a finalist in 2011.

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Seasonal worker harvesting coffee.

Owner’s house – 900 sq/ft, 2 bed, 1 bath, with lots of marble, built in cabinets in both bedrooms and upper roof porch

Caretaker’s house – divided into multiple rooms with bathroom

Land line phone installed and operational

110 and 220 volt electric lines

Equipment:  2 coffee bean pulpers with 2 water tanks, 2 weed whackers, misc. tools, scale for weighing coffee bags

1 large uncovered drying patio and 1 covered drying patio

2 full time highly experienced workers – monthly payroll is $650 (plus more during harvest for seasonal workers)

Average yearly expenses:  $25,000 (all payroll, fertilizer, harvesting expenses, utilities, taxes)

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This clean mountain river that runs year around with trout.  Also, access to mountain water for farm irrigation, though it is rarely needed.

Farm is fenced along road.

You can set the date for your own tour.

The Ecuador farm tour fee is $799 for single or  $999 couple.

Case Study #3:   This third case study shows an American who has created a   large Ecuador agri operation. This is the farming operation set up by Young Living Essential oils.

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After creating a marketing system for the oils and farming in the USA, Gary and his wife…

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moved to Ecuador… began a large farming operation as well as…

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there own processing and a health spa.

Ecuador is a perfect place for many types of agriculture… large and small.  Find your farm in the safe and efficient way on an Ecuador Agricultural Tour.

For efficiency and logistics this tour is strictly limited to 15 people… 4 persons per four wheel drive vehicle.

You can set the date for your own tour.

The Ecuador farm tour fee is $799 for single or  $999 couple.

 

 

Multi Currency Investments – The Darkest Hour


Is this the multi currency investment’s darkest hour when a double dip will increase opportunity?

dow chart

Here is a chart showing how the Dow Jones Industrial Index ended down last week.  See a similar chart below that shows why this could be good news for many.

Since it is Monday, let’s start this week by recognizing that this correction has been suspected and that historical research suggests that this is the darkest hour before the light at the end the global economic tunnel appears.

You’ll see below that the current stock market volatility and economic slow down are to be expected…are completely natural and in perfect order.  This is a time of great opportunity…not of disaster.

This site has continually reviewed the 15 to 17 year economic cycle as outline by Austrian economist, Joseph Shumpeter. The global economy (and US stock market) enjoys an approximately 15 year bull…. then about a 15 year bear (a period of no growth) and then moves back to start a 15 year bull.   These stock market bull and bear cycles are based on cycles of human interaction, war, technology and productivity.

15-year-economic-cycle-chart

At our June 2011 International Investing & Business seminar we looked at how the US equity market is currently about 12 years into the 15 year trend.

We then compared the last 15 year bear cycle That began in 1968 and saw that after 12 years from  October 1968 to April 1980  the US stock S&P index had dropped -7.7% in 138 Months.

Then we saw how from the beginning of this bear cycle from December 1999 to June 2011  the S& P was down -11% in 138 Months.

Then we looked at this chart from Moore Research Center, Inc. to see what to expect from June 2011 to June 2013 if that period compares with June 1980 to 1982.   The historical story tells us to expect a large drop.

Notice the similarities between the market in early 1980 (Blue Line) and the current Dow above.  There is a strong synchronicity.

s&P chart

A strong 1999 to 2013 bear?

See how to get a FREE recording of the June seminar and how to attend our October 7-8-9, 2011 International Investing and Business Seminar.

If history is our guide, some great new innovation or innovations will then ignite 15 year bull beginning in 2013 to 2014.

This is good news for retiring boomers who manage not to be wiped out from the next several years of sideways and downwards motion.

This is great news for long term investors who can pick up incredible bargains now.

Here is how these cycles seem to work.

Step #1: An economic downturn enhances a war or threat of war. Struggles for survival in the war (like the Civil War, WWI, WWII and the Cold War (WWIII), super charge inventiveness that creates new forms of productivity…the steam engine, the internal combustion engine, production line processes, jet engines, TV, farming techniques, plastics, telephone, computer and lastly during the Cold War, the Internet.

Step #2: Each new invention helped win a war.  Shifting the technology to domestic use… after the war… created a boom.

Step #3: Each boom leads to excess.

Step #4: Each excess led to a correction.  The correction creates an economic downturn.

Step #5: The economic downturn enhances a war or threat of war.

Here we are… in the correction… at the correct time when we should expect that another war (or threat of war such as the Cold War) should begin to build!  This latest downturn started almost exactly (1998), 16 years after the last boom began (1982)…which began after the last great human struggle called the Cold War.

If the cycle repeats, the struggle should build now due to the poor economy.  If the cycles repeat then the bottom is around 2013. Everything will seem bleakest… darkest…blackest and this will be the best time of all to invest… hence my light suit!

This Morgan Stanley graph shows these cycles.

morgan-stanley-graph

The key for spotting the greatest investment opportunities is to spot the next big invention… the technology that will spin out of WWIV.

The key is that a problem must have such severe consequences (such as losing the war and being destroyed) that all stops… all logics of return on investment are ignored. Technology and research are pushed full steam ahead regardless of cost.

The key to great success now is spotting the war.  It could be against global warming.  The battle could be against a plague…. new bacteria that resists antibiotics.  A bad year of crops could create famine and the war would be on hunger.

The solutions could be the small stuff (nano tubes) or large sun reflectors tied to earth that generate energy.  Whatever, large or small,  the opportunity they create will be huge.

We are betting on water, natural health, agricultural real estate, good value US real estate and Ecuador real estate… because we understand these.

You should look for innovations that you understand that could rock the world.

If markets continue to fall.  If the global economy stalls.  If there is increased unemployment and turmoil… we cannot do much about this.

We can… if we see what is likely to come, be prepared so we can think out of the box and invest and do business in places most likely to be at the forefront of the next social economic expansion.

These are the times of greatest opportunity for the small guy when the old order that has taken advantage of the system lets go and a new order led by new blood continues humanity’s evolution.

Gary

Use our Multi Currency Portfolio Service in the year ahead.

See ways to earn globally with our online courses.

See an Ecuador visa warning and see ways to gain in Ecuador from the turmoil in the Western world.

 

Spot Future Trends & Archives


You can see the whole message “Spot Future Trends” in the archives.

Aghhhh!  Please forgive my delayed replies this last week. My MacBookPro crashed just one day before we started our most recent Super Thinking + Spanish course. I had complete backup… but no computer to put it on.  This left me without a Powerpoint presentation and all thumbs trying to keep up with the steady onslaught of incoming email via GMail and stolen moments on Merri’s PC.  Aghhhh!

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I may look relaxed in my office but I can tell you I WAS NOT.

All this led me to spending some time at the Altamonte Springs Apple Store.  What an interesting place for investors to view.  So many ideas. So beyond…. computer.

Now I have two MacBookPros.  I’ll keep them synchronized so this never happens again.  The new computer… and Moore’s Law and watching all these so young, Apple geniuses really started me thinking about future investment trends.    My new Mac has 8 gigs of processing power… 500 gigs of memory and a high speed hard disk that chews up the graphics files I move around like the wind moves dust… all including three year service a one on one program high res, no glare screen… and a remote… $3,500.    I look back at my first fridge sized Data General Eclipse 32 bit machine.  I recall paying about $75,000 in the 1980s.  What a difference 25 or so years have made.

We can learn a lot  (not everything, but quite a bit) about investing in the future by looking in the past… so I often check back to see what I wrote and how the ideas turned out.  Talk about 3H… “Humbling”…. “Humorous” and “Honesty Evoking”.

The excerpts here are from a message posted at www.garyascott.com June 10, 2000, almost 11 years ago: I recently spoke at Jyske Bank’s international investment seminar which Merri and I always enjoy. We began at their Copenhagen headquarters in a grand old building in the center of town where they always speak a little and feed us a lot in their company dining room. Also, I am always impressed that the bankers themselves wait on tables and serve us. The building’s history gives us a bit of architectural awe and since Jyske are not normal bankers they really do work hard to entertain. 70 delegates came from all over the world, five Australians, a handful of Ecuadorians, Swiss, Germans, Danes and Swedes, two Taiwanese, Canadians, French, Austrians, one man from the Ukraine and one from Ghana, plus some more and we had a genuinely fun time as well as learned a lot.

The bank lined up a host of really good speakers including Ian Pierson, the head futurist for British Telecom spoke. He is really a bright guy!  If he is to be believed, we won’t pay for telephone calls in a decade and we’ll have computers that can almost create Star Trek style holodecks. We’ll have computerized skin of chips so small they’ll sink below the skin and connect with neural networks. We can put these on so we’ll feel and taste as well as see and hear digital experiences.

The idea is that TV and phone will drag the world into cyberspace! We will use increasingly powerful, smaller (and smarter) chips in phones and TVs. We will make them interactive with voice and gesture and the computers will even give vocal replies.

Their will be two steps that take place.   First we will move from using computers to using interactive TV and the phone. Too many people are afraid of computers because they are too user unfriendly. But everyone knows how to use the TV and phone.

Second we will shift from the typed word to voice. Not everyone can type but most of us can talk.

These voice and gesture activated devices will be powerful in assessing your needs, sorting out data available and giving you a short list of useable information. You will no longer go to the net and ask a general question which may result in thousands of possible answers. You’ll be able to ask specific, personal questions and get personal, specific answers.

This simple idea could change our entire social, economical, religious, political and economic structure. How?

One change will be the functional decomposition of companies. Many of the aspects of business that currently make companies a powerful social tool, such as human resources, information sharing, clerical, accounting, distribution, procurement, legal, sales, even R&D will be capable of being automated. Companies will simply not be needed. Computers will give the services to workers that companies previously provided.

Another change will be speed of change. In this scenario change becomes so rapid that experience becomes a liability instead of an asset! Businesses are a pool of experience commonly guided by a plan. As computers eliminate the current dynamics of time and space the inflexibility of plans will reduce the effectiveness of companies. Instead we will see highly flexible, loose knit, networks, linked by the net, that take on short term tasks.

This organizational shift will alter the dynamics of everything. Imagine the shift in political power for example. Imagine how a network of a thousand people can gain instantaneous and strong power. If each member in such a network can pass an idea to only ten people, three deep that small network can move a million people (buyers, votes, etc.) overnight. Small networks will be able to apply considerable pressure in very direct places at incredibly specific times, all at low cost.

Interactive TV and cell phones can also reverse the “Cycle of Knowledge”. For the past two hundred years this cycle has shifted from the individual as a general knower of many subjects to the individual as a specialist in just a few areas.

We can presume from this that those who are wealthiest spend the most of their time on a speciality which makes money for them.

But the vocal use of interactive, intelligent cell phones and TVs means that individuals will return to having more general knowledge. Specialists will not be so much in demand because up to date, relevant, less biased, specialized knowledge requirements will be filled on demand by computers.

So look for the cuddly home interface. This could be where the next big action is.

So, her I am Jan. 21, 2011 and I am thinking…..well, Pierson and that message really banged that nail on the head.  But how have the share prices of the cuddly interface companies played out?

Let’s take a look and see how the share price of some businesses that should have profited from these trends have played out.

How about British Telcom?  I mean they hired the guy… Pierson.  Here is the share price since the year 2000.

Brittel-share-price

So the telephone company employing Pierson didn’t do all that well in this decade of the cuddle interface.

How about Vonage the company that let’s us talk on the phone free?

Vonage-share-price

Nope, no great long term profits there.

Noika… the Finnish cell phone maker.  Are they in the race?

vonage-share-price

Evidently investors in 2000 thought Noika was the company that would excel.  They may still be thinking that and waiting. If so… I hope they had other investments as well.

Apple?  The company that started me thinking about this.  I am sure the IPod… the King of the phone cuddly interface played a big part in its recently rocketing share price, so this is the one share of a company heavily involved in the cuddly interface that has really moved up.

Noika-share-price

Why has Apple share prices shined and not the others?

One reason behond Apples success may be its lack of debt.

A recent article at www.garyascott.com “No Debt Shares” showed the share appreciation of top performing, debt free, companies. Apple was number two.

Here is an excerpt from that “No Debt” message:

no-debt-stocks

Apple has great design and a very innovative leader. Even now, as well established and successful as Apple is, Steven Jobs’ medical leave brings the company’s future into question.

Big companies like British Telcom are hard to adapt quickly.  Vonage does not have such a cuddly interface yet.  Noika, I am not sure what went wrong.

The clear message though is “just catching the next big wave is not enough!”  Every new technology offers great opportunity but venture investments do not have an obvious value profile so speculation and hence extreme discipline and diversification are required.

The key to prosperity rests in the ability to adapt to accelerating change.   This requires a new form of investment thought.

Our upcoming International Investing Made EZ and our International Business Made EZ seminars include sessions on how to use FM Thinking (Frequency Modulation) to improve investing and business choices.

We dipped into the archives, saw the comparisions and can see that to adapt to think Beyond Logic.  Our FM course is designed to help you to see bigger pictures….

Gary

December 18, Q & A


Saturday Questions and Answers.

oregon-log-truck

See below how changes in green investments can affect our wealth and well being.

#1: Question Jyske lawsuit.

#2: Question Multi currency investing with minimal amounts.

#3: Comments on quackery.

#4: Rats in Ecuador.

#5: Comments on natural resource polarity and something to do about it as an investor.

#6:Comments on Terror and Love.

#7: Comments on New FM (Frequency Modulation) Teacher training.

Question #1:  Re Jyske class action suit. Hi Gary, I noticed this article in FIN Aternatives . I was thinking to invest with  these guys, especially as you are so enthusiastic about them.  It does not bode well that Jyske Bank as been sued (successfully) 43 times by investors…do you have a comment? Thank you,

My comments: I do not know the details but am asking Jyske for more insights.We have only had good luck with Jyske and have known the top people for decades. They have also treated our readers with integrity as far as I know.  We get few complaints and do see quite a few positive comments though due to the increased diligence forced on all banks we see more unhappy clients with banks everywhere.
One thing I like about Jyske is that its staff are not given bonuses… so there is no pressure on any of them to pull tricks to make their performance look better. It is in the staff’s best interest for the bank to remain conservative and strong so I do not know what went wrong in this case.

Regretfully Jyske is one of the few major European banks left who will take American clients for less than millions in their account. Not regretfully because Jyske is bad but because it is always good to have choices and Americans do not have many when it comes to overseas banking now.

Any big institution may make errors. I noticed that Morgan Stanley… a huge firm  is just being sued for billions re Madoff.

It is possible someone may have screwed up within Jyske’s organization. It is hard for any big company not to have problems from time to time.  Everything I have seen though suggests a pretty strong organization with good values.

Gary’s Added Comment: Jyske did send the following reply about this lawsuit. I am answering on behalf of Gary Scott’s forwarded email to Jyske Bank Private Banking.

Under reference to your email informing us that IceNews, among others, has published an article, ‘poor investment advice acknowledgement by Jyske Bank’, we inform you that the article is in our view too sweeping and does not reflect the realities of the case.

In the autumn of 2007, Hedgeforeningen Jyske Invest launched a bond hedge fund, Jyske Invest Hedge Markedsneutral – Obligationer, which implemented a market-neutral investment strategy using a combination of Danish mortgage bonds and German government bonds. Many Jyske Bank customers bought units in the hedge fund, which was, we regret to say, hit hard by the global financial crisis in the autumn of 2008.

Jyske Bank has received complaints from customers, and the investment product has been mentioned in a few Danish media. The Danish Financial Supervisory Authority issued a reprimand to Jyske Invest on the grounds that the brochure about Jyske Invest Hedge Markedsneutral – Obligationer did not offer a balanced description of the product characteristics and the risks involved. Also Jyske Bank was reprimanded – for not in a general way having taken steps to improve the sales brochure. Neither Jyske Invest nor Jyske Bank concurs with the criticism. The sales brochure for the product expressly mentioned the risk of the hedge fund going bankrupt, which must be termed the worst-possible scenario.

The Chairman of Jyske Bank stated at the Bank’s annual general meeting in March 2010 that Jyske Bank does not dispute that errors may actually in certain cases have occurred in connection with the advisory service provided with regard to Jyske Invest Hedge Markedsneutral – Obligationer, but Jyske Bank does dispute that errors should have been committed in general in its advisory service.

In June 2010, an independent complaints board, the Financial Services Complaints Board, found against Jyske Bank in five cases. In its decisions, the Complaints Board deviated from the usual practice and held that the burden lay with Jyske Bank of proving that it had provided adequate advisory service to the customers in question. Until the autumn of 2009 it was up to the complainant to prove that the advisory service received had been inadequate.

Jyske Bank has maintained throughout that only case-by-case scrutiny will reveal whether the Bank’s advisers have committed actionable errors in their advisory service. The cases with relation to Jyske Invest Hedge Markedsneutral – Obligationer reflect discrete occurrences, and the customers in question acted on the basis of widely different circumstances.

Moreover, we have repeatedly declared that if we have demonstrably committed actionable errors in our advisory service in individual cases, we shall acknowledge liability.

Against that background we decided, after consideration of each of the five individual cases mentioned above, to comply with the decision of the Danish Financial Services Complaints Board. With some other decisions of the Complaints Board we do not intend to comply.

Correspondingly, we have complied on earlier occasions with decisions made by the Complaints Board after factual individual consideration, and we have also closed cases with customers who complained to the Bank direct.

Best Regards,

Oscar Lindblad
Private Banking Copenhagen

Readers Question #2: Hi Gary,  I was just reading over your email and am very intrigued at the possibilities of multi currency investing.I have recently had some major changes in my life as I have resigned from my teaching job.

With that said, I have no severance or insurance starting at the end of January.  Where I am looking for some guidance is whether to invest this money or live off of it until I start to make money again?  I am going to go ahead and order the multi currency report after I hear from you.

My reply: The minimum the bank in the Borrow Low-Deposit High report accepts is $100,000 so I do not feel the report is appropriate.

I am working on a report that looks at investing less in multi currencies via ETFs… but I have a lot more work to go on this project.

Since I am not a financial advisor, I can’t really provide individual advice about how and where to invest but either of the two contacts below may be able to direct you to an advisor who understand multi currency investing.

One good start is with Everbank.  They offer a multicurrency CD.  Jason Coots can help at jason.coots@everbank.com

Another is the Wisdom Tree Emerging Debt ETF. I have a link to this fund’s site below.

Reader Comments #3: Doctor Wickman is a QUACK. His license to practice in Arizona was revoked in the 1980′s. Please Gary use the internet to find out about him for yourself. I believe your good reputation should not be tarnished by promoting someone like Wickman. Because of your credibility, many people may possibly suffer serious harm  if they entrust their medical care to someone like Doctor Wickman. Please disassociate yourself from him. Again, do your own research.

My reply: The readers who introduced me to Dr. Wickman believe they are still alive due to his treatment would disagree as I do.
I find that as much of the established US medical system is a sham as the alternatives.  I personally do all I can to avoid hospitals.  I am about to share an article from USA Today that shows what dangerous places they really are.

The cancer that was on my body is gone (and has been for over a decade) due to what you would call quackery as well… chosen after the regular medical establishment just made the cancer worse.

We are well aware of Quack Watch and the negative data and disagree totally with it and am disgusted by people who tarnish others reputations with no more facts that what they read on the internet.

However to be sure that readers get the entire view this site has covered these quack allegations numerous times.

On the subject of quackery… this is a good time to review a November 16, 2010 USA Today article entitled “Hospital care fatal for some Medicare patients” by Rota Rubin that says (underlines and bolds are mine):An estimated 15,000 Medicare patients die each month in part because of care they receive in the hospital, says a government study released today. The study is the first of its kind aimed at understanding “adverse events” in hospitals — essentially, any medical care that causes harm to a patient, according to the Department of Health and Human Services’ Office of Inspector General.Patients in the study, a nationally representative sample that focused on 780 Medicare patients discharged from hospitals in October 2008, suffered such problems as bed sores, infections and excessive bleeding from blood-thinning drugs, the report found. The federal Agency for Healthcare Research and Quality called the results “alarming.”

Among the findings in the report obtained by USA TODAY:

•Of the 780 cases, 12 patients died as a result of hospital care. Five were related to blood-thinning medication.

Two other medication-related deaths involved inadequate insulin management resulting in hypoglycemic coma and respiratory failure resulting from oversedation.

•About one in seven Medicare hospital patients — or about 134,000 of the estimated 1 million discharged in October 2008 — were harmed from medical care.

•Another one in seven experienced temporary harm because the problem was caught in time and reversed.

I find that there is a lot of quackery in the established community and the way these quacks cover up errors and protect themselves from good, proven low cost alternatives is to brand these treatments as quackery.  This ranges from the ridiculous statements by the US medical establishment that identical prescription drugs from Canada (costing half the price of US pharmaceuticals) might not be safe to condemning those in totally accepted health modalities such as acupuncture,  Chiropractors and Osteopaths and homeopaths.

Dr. Wickman is a fully licensed OD in Ecuador which has a well regulated and honorable medical system and has been practicing there for decades.

One that subject, here is another reader comment about last week’s Q&A that mentioned Dengue Fever. Hello Gary, This is information you might want to forward to your readers.  As a homeopath I know of Gustav Bracho’s program of treating Dengue fever (and other diseases) homeopathically; where there are outbreaks he also treats prophylactically to avoid the disease.  Dr. Bracho lives in Cuba; his research and treatment through homeopathy are being disseminated worldwide, as he has great success in both preventing and curing Dengue fever and other serious diseases.  I heard him speak most recently at a homeopathic conference in Toronto this past October; his research is impeccable, the cures and prevention are real.  Anyone would benefit from using homeopathy.  Fears can be put to rest, once people are aware there are healing alternatives that are available and can be easily used.

Reader Question #4: Gary-  I read your article about Ecuador rats eating a hidden $100 bill. How many rats are there in Ecuador? Do they live in the houses?  Any other info about them?

My Reply: I have never seen a rat in Ecuador. (Except perhaps some of the real estate brokers who triple charge new residents when they sell them real estate.  It makes me feel bad that these expenses are eating up a lot of people’s savings!)

I read that story about Ecuador the rodent rats eating actual cash money and was surprised.  I have seen no rats… few snakes few spiders… But it of course depends on where you go.   Rat populations are probably very different in The Andes versus the coast versus the Amazon, etc. just as in the US.  We have a lot of rats and mice in NC on our farm…I think perhaps they are a part of nature but adopted a little mouser a few years back and she alone (Alice the cat) has changed the character of life on the farm!

Comment’s #5 from a reader from Oregon. Gary, thank you for your recent news letter.  one point you touched on that was of interest was the environmental challenges that will hinder economic recovery.  oregon now has more timber resources in the forest than 20 years ago.  timber left uncut during the ‘spotted owl’ years has now grown in size and added several million board feet to our inventory.  eastern oregon is now being considered for wind generation, and oregon’s coal deposits might be another source of revenue as demands oversees increase.  the conundrum is the very same progressive movement in oregon that halted most aggressive logging practices in the ’70s will no doubt be a major hurdle in the coming years.  oregon once stood on it’s three pillars of economy, ranching, fishing and timber.  environmental laws all but extinguished that prosperity here.  it is the loss of the use of these resources that hinders our recovery.  oregon will receive subsidies from the federal government as an offset to the revenues no longer generated from our forests.  this will put an additional burden on other states where economic recovery has been slow.  oregon, like other states, has the ability to support its state deficit if only allowed to access the resources and markets that are demanding them.  we must make a decision and exercise it.  we must decide which is of more importance, to blindly apply emotional concepts predicated on false science, or the application of practical fiscal responsibility hindered with environmental stewardship.  the choice is ours to make, or not.

Merry Christmas!

My reply: Happy holidays to you.  I grew up in Portland… had many loggers in the family and recall those huge trucks with about 3 logs to fill them barreling down and out of Mt. Hood.  Zig Zag, Clear Lake, Little Crater Lake, Frog Lake, Frying Pan Lake around Mt. Hood and the Coastal Range were our stomping grounds as teenagers.

oregon-logs

Oregon Logging truck circa 1970.

It always seems strange when I watch the log trucks in the Blue Ridge with about 20 logs on the truck… and they are pretty small trucks compared to those in Oregon’s past.  The south has mostly private land for timber so the logging continues.

green-investing

Today’s typical Blue Ridge North Carolina log truck.

This is such an extremely complicated issue polarizing the country and I do not see any quick or easy solution.

The ultimate value of course is added value and we have been testing various approaches to sustainable logging on our farm using the draftwood approach.

micro-business-opportunity

#1: Gain value added. This is the era when small and flexible are beautiful. Modern community technology makes it possible for even micro businesses to virtually integrate. I’ll give you a specifics in a moment.

#2: Invest in real estate. I know, I know people keep saying that prices are going down. Yet these same people keep having kids without making more land. This looks like an opportunity distortion to me.

#3: Bet on inflation. I do not see how with the massive government bailouts this will not happen everywhere…to a great extent.

#4: Invest in alternative power and sustainability. The same fundamentals as for real estate are at work…more kids…no more fresh water…trees…soil…clean air…etc. Plus one factor more. Each child born expects more.

#5: Invest in natural health. The current social economic lifestyle is flawed.  The acquisition of stuff creates too much work…leading to too much stress…with too little time…and poor nutrition…leading to pharmaceutical and surgical intervention. This intervention costs too much and is not a pleasant, effective approach that optimizes maximum human efficiency.

Based on this belief, I have been working with a team on a plan for our farm in North Carolina to create Draftwood homes built from local sustainable timber and fueled by micro hydro power.

Here is a sustainable logger we work with…  Ian Snider…  the local advocate of the Draftwood concept.  Draftwood… sustainable harvested, value added timber hauled out by draft horses.

micro-business-opportunity

Here is Ian Snider at one of his projects in North Carolina.

So far this has not caught on… but we keep testing the waters.The wood in the guest kitchen house we just completed in Florida came from this sustainable “dead” poplar we collected on our North Carolina farm.

Sustainable Timber

sustainable-investment

We are turning dead wood, like this poplar log, into a value added product.

sustainable-investment

This poplar sitting right behind our house died a few years ago and dropped branches on the house all winter.  Last spring we trimmed off the branches and last week a bad winter storm brought it down…we cut it in three pieces and dragged them to one of our fields.

We set up a portable mills in the summer and…

sustainable-timber

last year cut over a thousand board feet of nice poplar planks.

sustainable-investment

We used this wood to make the  guest house we renovated in Florida  more beautiful.

Gary-scott-fixer-upper
*
Guest house renovation.  This type of vertical business model may not always be the most economical in dollar terms, short term… but this is rich in satisfaction and fun.

Readers Comment #6: Gary, I know you use the word “terror” in your emails to get ratings, and frankly, it’s not part of what the world needs now, which is love and peace. Please reconsider.

My reply. Actually the way we work on the internet the word “terror” might reduce ratings…  but certainly will not help them. Terror is too common a word. Our rankings are increased by finding unusual niche words. But enough internet SEO lingo.

Dangerous Sparks Exist

The point is… there are many sparks that could create terror in the market.  Astute investors and business people need to be considering this. I want readers to be aware of these risks and I won’t pull any punches if they help readers prepare to make their lives better.

We can change ourselves… but probably not human nature and the herd.  This means if there is going to terror and if this creates a stampede… we need to be prepared.

I agree each of us should serve with love and peace in our hearts.

This is why I write so much about using compassion and passion in one’s business and investing.

Merri and I learned an important lesson while living with an Ecuador Yatchak. The shamans give enormous amounts of compassion, gratitude and positive energy in their healing ceremonies. Yet they also wear protective bracelets on their left (energy receiving side) wrist.

I am told there is an old Arabic saying… “Believe in God… but make sure your camels are tied up at night.” If one believes in the power of positive energy… one has to accept that there is negative energy out there as well and we need protection from it. The terror series looks at why there may be terror and how to prepare for the event… so one can still serve with love, gratitude and compassion during the turmoil.

#7: Comments on FM Training.  The duality of nature is why we have expanded our efforts in helping ourselves  (and our readers) tap our inner resources for outer expansion.

This is why we have started a our Quantum Learning Program that can help you create a new avenue of income wherever you live.

The FM Story

In telecommunications and signal processing, FM stands for frequency modulation that conveys information over a carrier wave by varying its instantaneous frequency.

The educational program Merri and I have developed uses a different form of frequency modulation we like to call “Full Mode” that opens enormous opportunity for expansion, understanding, peacefulness as well as greater wealth.  We are sharing this indepth program with a select few through our new teacher program.

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

How the Quantum Learning History Brings Opportunity to You Now.

Merri and I are explorers, always looking for what’s next… trying to stay on or ahead of the leading edge.

This journey has lead us to alter the main mission in our lives every seven to 14 years.

During the 43 years we have been investing and doing business abroad, we have enjoyed capturing seven golden trends.

#1: 1970s Gold & Silver.

#2: 1970s investing in Japan, Germany, Switzerland, England, Australia and Hong Kong .

#3: 1980s. The Tigers, Taiwan , Singapore, Malaysia, South Korea & Turkey .

#4: 1990s. South America (which led us to Ecuador).

#5: 2000s. China, India and Eastern Europe.

#6: Invest in Real Estate and Global Micro Businesses throughout.

#7: Bet Against the US Dollar throughout.

Spotting these trends early brought us a strong and continual flow of income.   Now you can benefit from the latest… and perhaps strongest… of all the trends we have stumbled upon.

Our writing and talking about each of these trends over 43 years has helped thousands of our readers make and save millions.   The success of our readers has been a driving force in our lives yet we have always wanted to do more so continued looking deeper for a core idea that we could share that provided income, stability, good health and contentment.

Recent events have moved us closer to this core which is why we are developing a way for a few others to join us in the profits and fulfillment of this quest.

Since we seem to progress in seven year cycles, when we reached our 14th year in Ecuador we started expecting and looking for… “What’s next?”

That search led us to more time in the USA and our recent Super Thinking courses confirmed to us that our FM program has become increasingly pertinent to solving the socioeconomic problems created by accelerating change.

This Quantum Learning helps in innumerable walks of life.   This is why our new teaching program offers extra opportunity for you now.

Problems Create Opportunity

There is a huge and growing problem of accelerating change that requires accelerated learning.  Learning Spanish is just a tiny part of the demand this problem creates.  Expended learning capacity is far more valuable than just being able to speak Spanish.  So we are expanding the FM focus in our business… shifting into overdrive you might say with what we call FM Plus.

FM Plus Frequency Modulation/Full Mode Plus

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

If you have 4.5 inches of information flowing through a 4 inch learning pipe, the solution is not to add another inch of information.  The answer is to first create a six inch pipe and then an even larger pipe…a neverending expansion of abilities!

FM Plus incorporates Frequency Modulation…  7th degree exploration and Core Revelation (wormholes – universal expansion and shortcuts) to expand the learner’s thinking and information processing ability.

We’ll do this through our FM Plus Process which we have been using in our Super thinking Plus Spanish course. Now we are integrating this process into our International Investing and Business courses as well.  This means we’ll provide this training nine times in the US in 2011.

The demand for FM far exceeds the numbers Merri and I can handle in nine seminars.  Because Merri and I don’t have time to do more seminars we have added the teacher training program.

The teacher training program is described below, but let me say up front that this is a Beta program.  We have never trained teachers before. This means we expect the program to evolve… to probably offer more.

As mentioned we will conduct nine seminars in 2011.  Trainees in our FX Plus training plan can attend all seminars in 2011.  They should attend at least five.

There will be a trainee review session everyday during these nine courses.  It is most important to jump on those moments of clarity as they occur.

There will also be online personal training via conference calls and on Skype and via videos…with no additional expense of course.

FX Plus training plan teaches how to teach and how to create your own business simultaneously.

Each trainee will have our upcoming course on “How to Have Your Own Seminar Business” to help teachers see ways to make money by conducting their own seminars.

This course includes…

#1: How to earn millions from seminars courses and tours.  See how we have earned as much as $200,000 for a weekend’s work. (Once $135,000 in two days.)

#2: How to build a seminar business.  See the one day Washington-Atlanta-San Francisco system that helped our courses evolve and how to use this approach to help your teaching grow.  Gain strategic partnerships for added wealth.

#3: When and when not to use other speakers.  Seminars for speakers… a way to get it all out as your bank accounts gets it all in.   .

#4: How to use other speakers.  Gain the key to the room and the people within. Why the golden pen is mightier than both a glib tongue, the sword and the overloaded brain.

#5: Dealing with hotels.  Why the marketing does not talk to catering who will not communicate with accounting and the mess this means for you.  How to chose… arrange and survive the hotel.  Forget the $11,314 coffee bill… for swill.

#6: Scheduling seminars.   Magic dates and times for marketing… how far in advance to market and seminar death dates to avoid.

#7: Creating back end business.  How Merri made $12,936 dollars in 37 minutes by just standing still.

#8: Three types of courses… delegate driven… speaker driven… third party driven.

#9: The  importance of strategic partnerships.

#10: How to market seminars, courses & tours.

#11: List building.

#12: Alternative seminar and course location options.

#13: The benefits each of big seminars and  small courses.

#14: How to survive the dreaded problems.  What to do when enrollments are low. Handling the heckler, the takeover and the unmuted cell phone.  When the hotel fails.  Surviving speaker no shows and all of those types of things.

When it comes to conducting seminars, courses and tours, there are few people with more experience than Merri and me.  Over 43 years we have organized, marketed and conducted thousands of tours for tens of thousands in dozens and dozens of countries (even behind the Iron Curtain).  This course shares how we have done this… what we did right… what we did wrong… and what you can do better.

We’ll only train a small number of teachers to begin and our goal is to these teachers to work in their own ways and methods including of course teaching Spanish.  Teachers of our Spanish program do not have to speak Spanish by the way. In fact I am prohibited from speaking Spanish when I teach. You’ll learn why as a teacher.

Since this is a Beta program and we have never done this before we cannot guarantee who we will work with and who we won’t.

The FM Plus Plan Goes Way Beyond Spanish

Our training will teach you how to teach languages but covers many… perhaps all fields… and on your own.

For example. FM Plus can be applied to forex trading and investing.  Athletes of all types… golfing being one common sport benefit.  The Soviet Union… even though a third world country… excelled in the Olympics… as well as beating the USA into outer space… because it integrated FM teaching tactics as developed by Dr. Gregori Lozanov (one of Merri’s teachers) into its educational system.

Our FX Plus plan goes far beyond Lozanov and allows you to enhance whatever subject you wish to teach.

What You Receive

When you become an FM Plus Trainee, you are automatically enrolled in our International Club which allows you to attend all nine of our investment, business, and Spanish courses in 2011 (worth $5,981) FREE.

Here is the 2011 schedule

Jan. 13-16, 2011 Super Thinking + Spanish, Mt. Dora Florida ($749 or couple $999)

Feb. 11-12, 2011  International Investing Made EZ.  Mt. Dora FL ($499 or couple $749)

Feb. 12-13, 2011   International Business Made EZ,  Mt. Dora FL ($499 or couple $749)

March 10-13, 2011  Super Thinking + Spanish, Mt. Dora Florida ($749 or couple $999)

June 24-25, 2011  International Investing Made EZ,  Jefferson NC. ($499 or couple $749)

June 25-26, 2011   International Business Made EZ,  Jefferson NC. ($499 or couple $749)

Oct. 7-8, 2011  International Investing Made EZ,  Jefferson, NC. ($499 or couple $749)

Oct. 8-9, 2011  International Business Made EZ , Jefferson NC. ($499 or couple $749)

Nov. 3-6, 2011   Super Thinking + Spanish,  Mt. Dora Florida. ($749 or couple $999)

You are admitted to the teacher review sessions at all the courses.

You participate in videos and conference calls for all teacher trainees.

You’ll receive individual Skype training.

There are four payment plans:

#1 and #2: New enrollment full or monthly. This is for teachers who are not International Club members and who have not already attended a Super Thinking + Spanish seminar.  The fee is $2,900 or $259 per month for 12 months.

#3 and #4: Super Thinking plus Spanish Coupon deducts $750 full or monthly. If you have attended a Super Thinking + Spanish seminar… you have a coupon worth $750 so you pay only $2,250 or $259 a month for 9 months.

You attend our January 13 to 16 Super Thinking plus Spanish and learn how to speak Spanish in four days

Enroll ($799)

Enroll couple ($999)

Or finalize your teacher enrollment for the year.  Please select the plan that suits you.

We will be back in touch by email, but please let us know if you’ll attend the first training January 13- 16 in the comments section of your enrollment.

New Enrollment. $2,900 .

Monthly Payment Option: $259 a month for 12 months

Super Thinking less Spanish Coupon. $2,250.

We will conduct nine seminars in 2011 and hope you’ll join us for at least five of them as a trainee in our FM Plus (Frequency Modulator) training plan.Gary

Link to the Wisdom Tree Emerging Debt ETF.
Read “Hospital care fatal for some Medicare patients

Good Value Emerging Stock Markets


Emerging stock markets have offered better value than major markets for over a decade.

However, there are good value and bad value emerging markets.

Emerging markets are growing much faster than major markets.

This fact has created great opportunity over the past four decades.  Emerging stock markets have risen about twice as fast as stock markets in mature economies with very little extra volatility or downside.

Overall, emerging markets still offer better potential than mature markets, but one must choose the correct markets with care… because there is always something we do not know… especially in emerging markets.

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

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

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

Keppler’s latest analysis this October says:

After their setback in the second quarter 2010, Emerging Markets equities resumed their recent uptrend, which started in March 2009.

In the third quarter 2010, the MSCI Emerging Markets Total Return Index (December 1988 = 100) gained 12.8 % in local currencies, 18 % in US dollars and 5.9 % in Euros.

Year to date, the MSCI Emerging Markets Index is up 7.9 % in local currencies, 10.8 % in US dollars and 16.4 % in Euros.

Of the three regional indices, Asia was up 12.1 %, Europe Middle East and Africa (EMEA) advanced 13.3 % and Latin America gained 14.1 % last quarter.

In the last nine months ending in September 2010, the three regional indices gained 8.7 %, 9.4 % and 4.6 %, respectively. Performance numbers are in local currencies unless mentioned otherwise.

Twenty markets advanced and one market declined in the third quarter. Peru (+24.9 %), Colombia (+24.3 %) and  Thailand (+24 %) performed best.

Morocco (-0.9 %), the Czech Republic (+0.5 %) and Mexico (+8.4 %) came in last.

Compared with their levels at the beginning of the year, twenty markets likewise were higher and one market declined.

The biggest winners this year have been Thailand (+33.9 %), Colombia (+33.4 %) and the Philippines (+31.9 %).

The Czech Republic (-1.3 %), Brazil (+0.1 %) and Taiwan (+1.4 %) have performed worst year-to-date.

There has been no change in our performance ratings last quarter. The Top Value Model Portfolio contains the nine national MSCI markets:

Brazil,

the Czech Republic,

Egypt,

Hungary,

Poland,

Russia,

Taiwan,

Thailand,

Turkey at equal weights.

According to our performance ratings, a combination of these markets offers the highest  expectation of risk-adjusted returns.

SELL CANDIDATES (Low Value)   Chile            India           Indonesia       Korea.

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

Selecting good value stock markets is the first step in selecting good equity investments. You can find some extraordinary shares in any markets but you increase your odds when you look in markets that offer good value.

Gary

Warning!  I recommended investing in Turkey shares last July and that market has skyrocketed since (See my recommendation at International Investments in Turkey)

An October 25, Economist article says:  Economist warns investors about Turkish stock market

Investors can still make money from the İstanbul Stock Exchange but they, especially small investors, must be cautious of a bubble in the market, a senior economist warned on Monday.

Over the past couple of weeks, the İstanbul Stock Exchange had been rising to record high levels, Nurhan Toğuç, chief economist of Ata Investment, recalled.”We see a bubble at these levels in emerging markets. People can still make money but small investors must be very careful,” Toğuç said.

See how and why I have been investing in Turkey shares in my two reports on how to find value here.

Belong to the International Club

Belong to the International Club

 

We have added new courses for our 2014- 2015 schedule Super Thinking + Spanish  July 18, 19, 20 and a Global Investing seminar in Montreal October 10, 11, 12.

International Club members can attend our seminars and course free.

Join Merri and me all year long and share ideas for better natural health… greater wealth…. as you serve the community and enjoy personal fulfillment.   Learn how to enhance positive purpose…. enthusiasm… fulfillment… as you gain extra income, profits and fun.

I invite you to join the International Club for 2014 and winter of 2105.

Join us this summer in the Cool Blue Ridge in summer… plus Montreal and Mount Dora next winter.

Back Street West Jefferson

West Jefferson Farmers market.

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

Join Merri and me for all the courses and seminars that we’ll conduct in 2014 and 2015 FREE.   Gain positive solutions to your economic, financial and lifestyle concerns..

Here are the courses you can attend at no cost. (New seminars added are in bold).

June 13-14-15  Super Thinking Writer’s Camp, West Jefferson, North Carolina.  (Normally $999.  Free for club members)

July 18-19-20 Super Thinking + Spanish, West Jefferson, North Carolina. (Normally $899.  Free for club members)

August 30-31-September 1 Super Thinking Writer’s Camp, West Jefferson, North Carolina. (Normally $999.  Free for club members)

October 10-11-12 International Investing & Business Seminar, Montreal, Quebec, Canada. (Normally $999.  Free for club members)

November 14-15-16 Super Thinking Writer’s Camp, Mt. Dora, Fl. (Normally $999.  Free for club members)

January  16-17-18 Super Thinking + Spanish, Mt. Dora, Fl. (Normally $999.  Free for club members)

February 13-14-15 2015  Super Thinking Writer’s Camp, Mt. Dora, Fl. (Normally $999.  Free for club members)

Save $2,796 plus much more.  Even if you attend only two seminars you save.

Learn Spanish.

Members can attend the Super Thinking + Spanish course that Merri and I teach free.

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

Back Street West Jefferson

West Jefferson July Festival.  Summer courses are held in West Jefferson North Carolina

mt-dora-images tags:"2012-4-20"

February Mount Dora Arts Festival.  Lake County (Mount Dora and Eustis Florida) is the site of our 2014-15 winter courses.

There are many benefits of membership.

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

You (and a guest of your choice) can attend all of the seminars shown above in the year ahead FREE.

montreal

Join us for the leaf change and an international investing seminar in Montreal.

quebec city

After Montreal we’ll ride Canadian Pacific Rail to Quebec City and spend the night at the Chateau Frontenac where we’ll talk about global economics, self publishing, super thinking or whatever.

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

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

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

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

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

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

Sixth, you become a beta member in our newest online course “Event – Full Business – How to have a Seminar and Tour Business” currently offered at $175.

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

Five Positive Steps

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

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

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

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

#4: Commodities that rise with inflation.

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

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

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

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

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

Yet there is more.  Much more.

ashe-county

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

Make the Years Ahead Your Best Years Ever

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

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

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

Focus on Ecuador & Smalltown USA & Canada

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

Absorb  through  Osmosis

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

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

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

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

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

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

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

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

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

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

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

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

Another savings: Lifestyle for Two.

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

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

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

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

Gary

You and a guest can attend all of our seminars, courses online courses plus $1,246 of online value.  Club membership is $1,799.   If you attend only two courses or seminars the $1,799 is less than the price of two seminars… plus you receive all of the online courses and updates.

ONE MORE BENEFIT.  Most years we add another course or seminar or two more than we planned.  If we do, you can attend these free as well.

Become an International Club  Member $1,799.

Back Street West Jefferson

Bluegrass music performed FREE on summer nights in West Jefferson.

Save even if you attend only two seminars you save.

Yes, I want to become an International Club Member. 

Annual membership $1,799. Click  here.

mt-dora-images tags:"2012-4-20"

Mount Dora Florida.

 


International Investing 3% Solution


Here is the international investment three percent solution.

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

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

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

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

This begged three questions.

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

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

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

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

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

Portfolios 2007 July 20 Aug 17 Aug 31 Oct 31
Swiss Samba 45.84% 15.19% 26.42% 53.32%
Emerging Market 67.67% 30.50% 58.18% 122.62%
Dollar Short 40.31% 9.14% 20.29% 48.19%
Dollar Neutral 38.07% 13.56% 22.33% 38.67%
Green 214.15% 110.93% 155.84% 266.30%

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

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

stock-markets-index-chart

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

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

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

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

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

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

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

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

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

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

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

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

#3: What risk premium is due?

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

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

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

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

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

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

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

Knowing this helps wise investors spot trends created by distortions.

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

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

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

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

Yet emerging economies are perceived to have greater risk.

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

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

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

The Emerging Markets longest down turn was six months and the biggest drop 55%.
For major markets the longest down was also six months and biggest drop 53%.
In 2009 the Morgan Stanley Major Market Index was up +32.5%. The 2009 Emerging Market Index up +79%. In the first none months of 2010  the Major Market is up + 1.3% and 2010  for Emerging Markets up 8.2%.
So there was no more risk in emerging markets than major market… plus the upside has been much better.

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

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

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

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

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

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

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

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

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

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

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

Gary

Belong to the International Club

Belong to the International Club

 

We have added new courses for our 2014- 2015 schedule Super Thinking + Spanish  July 18, 19, 20 and a Global Investing seminar in Montreal October 10, 11, 12.

International Club members can attend our seminars and course free.

Join Merri and me all year long and share ideas for better natural health… greater wealth…. as you serve the community and enjoy personal fulfillment.   Learn how to enhance positive purpose…. enthusiasm… fulfillment… as you gain extra income, profits and fun.

I invite you to join the International Club for 2014 and winter of 2105.

Join us this summer in the Cool Blue Ridge in summer… plus Montreal and Mount Dora next winter.

Back Street West Jefferson

West Jefferson Farmers market.

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

Join Merri and me for all the courses and seminars that we’ll conduct in 2014 and 2015 FREE.   Gain positive solutions to your economic, financial and lifestyle concerns..

Here are the courses you can attend at no cost. (New seminars added are in bold).

June 13-14-15  Super Thinking Writer’s Camp, West Jefferson, North Carolina.  (Normally $999.  Free for club members)

July 18-19-20 Super Thinking + Spanish, West Jefferson, North Carolina. (Normally $899.  Free for club members)

August 30-31-September 1 Super Thinking Writer’s Camp, West Jefferson, North Carolina. (Normally $999.  Free for club members)

October 10-11-12 International Investing & Business Seminar, Montreal, Quebec, Canada. (Normally $999.  Free for club members)

November 14-15-16 Super Thinking Writer’s Camp, Mt. Dora, Fl. (Normally $999.  Free for club members)

January  16-17-18 Super Thinking + Spanish, Mt. Dora, Fl. (Normally $999.  Free for club members)

February 13-14-15 2015  Super Thinking Writer’s Camp, Mt. Dora, Fl. (Normally $999.  Free for club members)

Save $2,796 plus much more.  Even if you attend only two seminars you save.

Learn Spanish.

Members can attend the Super Thinking + Spanish course that Merri and I teach free.

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

Back Street West Jefferson

West Jefferson July Festival.  Summer courses are held in West Jefferson North Carolina

mt-dora-images tags:"2012-4-20"

February Mount Dora Arts Festival.  Lake County (Mount Dora and Eustis Florida) is the site of our 2014-15 winter courses.

There are many benefits of membership.

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

You (and a guest of your choice) can attend all of the seminars shown above in the year ahead FREE.

montreal

Join us for the leaf change and an international investing seminar in Montreal.

quebec city

After Montreal we’ll ride Canadian Pacific Rail to Quebec City and spend the night at the Chateau Frontenac where we’ll talk about global economics, self publishing, super thinking or whatever.

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

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

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

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

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

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

Sixth, you become a beta member in our newest online course “Event – Full Business – How to have a Seminar and Tour Business” currently offered at $175.

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

Five Positive Steps

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

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

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

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

#4: Commodities that rise with inflation.

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

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

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

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

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

Yet there is more.  Much more.

ashe-county

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

Make the Years Ahead Your Best Years Ever

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

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

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

Focus on Ecuador & Smalltown USA & Canada

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

Absorb  through  Osmosis

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

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

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

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

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

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

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

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

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

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

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

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

Another savings: Lifestyle for Two.

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

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

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

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

Gary

You and a guest can attend all of our seminars, courses online courses plus $1,246 of online value.  Club membership is $1,799.   If you attend only two courses or seminars the $1,799 is less than the price of two seminars… plus you receive all of the online courses and updates.

ONE MORE BENEFIT.  Most years we add another course or seminar or two more than we planned.  If we do, you can attend these free as well.

Become an International Club  Member $1,799.

Back Street West Jefferson

Bluegrass music performed FREE on summer nights in West Jefferson.

Save even if you attend only two seminars you save.

Yes, I want to become an International Club Member. 

Annual membership $1,799. Click  here.

mt-dora-images tags:"2012-4-20"

Mount Dora Florida.

 

Global Investment Income


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

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

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

dollar chart

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

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

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

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

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

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

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

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

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

Take for example the opportunity in the falling US dollar.

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

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

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

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

100K ea.

MXN BONOS  10% Due 2024 117  = 8%

EUR INVT BNK AUD 6.0 2013 101.49  5.56%

EUR INVT BNK NZD 6.5 2014 104.77  5.38%

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

Plus I have Forex profit potential.

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

peso-$-chart

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

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

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

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

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

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

Here is the Aussie and…

ecuador-opportunity

the Kiwi.

nz-$-chart

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

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

This was the ripe investment a year ago.

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

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

Plus there is opportunity in real estate… almost everywhere.

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

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

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

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

singapore-casino

New Singapore Casino.

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

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

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

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

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

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

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

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

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

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

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

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

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

Funds That Do It Well

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

Funds mentioned favorably include:

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

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

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

Gary

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

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

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

See more on Suntec Reit