Tag Archive | "Small business"

Double Digit Income – The Green Rocking Chair Business


Whether we are investing or running a small business, we are told, “Follow the Green”.  This is wise, but the idea can offer much more than money even if you use it from a rocking chair.

Yesterday I spoke at an investing seminar in Tampa, Florida conducted by ENR Asset Management Company.  One delegate I was speaking with explained how he purchased over 35,000 acres of farmland.  A timber company immediately offered him over $200 per acre just for the timber.

Not bad, $3.5 million of quick profit and he still owned the land.  He said, “I didn’t sell”.  That’s the nice thing about timber!  Unlike most other commodities, when it’s held, the inventory grows.

But investing in green is about more than timber.  Green goes far beyond profit and cash.

blue ridge farm

I often work  at my micro business from a rocking chair at our Blue Ridge farm.

Almost all the delegates at that Tampa seminar were boomers, so longevity was on their minds.  In addition, they were interested in the question, “What happens when I am relegated to a rocking chair?”

“Go for it” is my answer.

A rocking chair today is not what it was two decades ago.  Technology makes the rocking chair an effective business tool, as good a place to generate income as the the seat of a jet is for a jetsetter.   I can run my micro business, which generates a nice monthly double digit income, from that rocking chair in the mountain air on pleasant summer days.

I bring in the green better because I avoid commuting, the clutter of the city and I am surrounded by green and blue.

gary-scott-farm

Here is the view from my Blue Ridge rocking chair. I often work with this view during the summer.  In the winter, I trade the chair for a chaise lounge but the common element is a low stress activity that I really enjoy, which produces income and surrounds me with nature’s blue and green.

gary-scott-image

This makes the business of business incredibly fulfilling and encourages longevity.

Our recent message The Value of Trees said:

A National Library of Health article, “The Unique Human Health Effects of Blue Light” shows that color has an impact on our well being and health.  The article says:  “A major milestone came with the 1998 discovery of melanopsin retinal ganglion cells, a new type of photoreceptor in the eye.  These cells provide signals to the suprachiasmatic nucleus (SCN), the brain’s master clock.  They project to many other brain regions as well, influencing myriad aspects of human physiology.”

Researchers have shown in humans that light influences hormone secretion, heart rate, alertness, sleep propensity, body temperature and gene expression.

Another article at Livescience.com, “Does the color green boost exercise effects?” shows some health benefits from the color of green.  Working out in the great outdoors may produce more psychological benefits than hitting the gym, suggest researchers who say that “green exercise” may boost mood, self-esteem, motivation and enjoyment. But according to a new study, the positive effects of green exercise may have more to do with the color green than with being surrounded by nature.

The study is the first to show that the color green may contribute to the  feel-good benefits of outdoor exercise, the researchers said. The findings were published in the Journal Environmental Science and Technology in August.

That’s the beauty of the new economy.  Technology changes everything.  A rocking chain set in nature’s serene beauty, (connected to 45 mbps of fiber optics) replaces the stale air of a crowded jet or the busy office that can only be reached through time consuming, stress creating, dangerous, frantic and simply plain rude heavy traffic.  Our own thoughts become our boss to gain the freedom to create a better, more independent life, free from the chains of big business, big pharma and big government whoever we are, whatever age and wherever we want to be.  We can truly live anywhere and earn everywhere.

Learn how to apply old wisdom with new technology to create your own green rocking chair business.  This not only produces income but can improve your health and help get rid of the blues.

Gary

How to Be Free Like This

Here is How to Gain Extra Freedom-While Almost Everyone Loses Theirs.  Become a Pruppie!

May I coin a new word, Pruppie?

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

The reality is that our worlds have changed and for most of us continues to shift.   There is still great opportunity for a better lifestyle, yet the preppers could be right.  Disaster might be looming in the near future.

I invite you to join Merri and me as Pruppies, those who expect the world to get better and live and earn based on that expectation but  who also happen to prepare for bad times as well as good.

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

You’ll can learn how to gain income and tax deductions as Merri and I have working from your dining room tables.

There is an incredible new economy that’s opening for those who know what to do.  There are great new opportunities and many of them offer enormous income potential but also work well in disaster scenarios.

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

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

goldenseal ginseng

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

There are are specific places where you can reduce your living expenses and easily increase your income.  Scientific research has shown that being in such places actually make you smarter and healthier.  Top this off with the fact that they provide tax benefits as well and you have to ask, “Where are these places?”. 

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

Here are some of the experiences this report shares:

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

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

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

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

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

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

Fwd: gary-scott-tipis

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

gary-scott-farming

Our North Carolina greenhouse.

gary scott greenhouse

Our Florida greenhouse.

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

merrily farms

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

You can order the  “Live Anywhere – Earn Everywhere Report”  for $39.99. Click here.

Or you can get “Live Anywhere – Earn Everywhere” FREE and every month learn even more about how you can get profit and fulfillment from the new economy.

Independence Monthly is an online monthly portal to a better, freer life.  In each issue, it explores practical ideas to help you escape “the system” and begin reclaiming your own independence.

Information ranges from step-by-step guides to gaining financial freedom…ditching the mortgage, cutting up the credit cards, waving goodbye to auto loans and student debt… to fresh and unique insights regarding lifestyle independence…learning where and how to live cheaper, healthier…and on less money.

Independence Monthly looks at urban farming… digital currency… energy independence and much, much more.  It is the preferred resource for individuals looking to gain independence from the system and finally take back control of their own lives.

Rarely have I found a publication that features so many practical ideas about how to raise your lifestyle to a higher standard by combining so new ideas integrated with old wisdom .

You can use Independence Monthly to have a healthier, more prosperous, fulfilled life regardless of how the world unfolds.

  • The latest issue of Independence Monthly tells how Deb and Tj Akey downshifted to live on a sailboat and now spend their days anchoring off beaches and visiting cool places on their 42ft boat.  See how to make extra cash from your spare room by joining the sharing economy and renting your space to guests.  Learn about your right to water…which states allow you to collect rain…and how you can filter water to ensure you have your own source in times of drought
  • In another issue meet Robin and Steve Follette, who wholeheartedly embrace a self-sufficient rural life in Maine, hunting, fishing, raising chickens, and growing their own food…and Karyn Moskowitz who brings rural goodness into the urban environment.  Improve your own food supply by making homemade ice cream, free from artificial flavors…boost your wealth with tips on how to pay off a mortgage quickly and save up to 30% of the cost.
  • The November issue reviews how people are cutting loose from the corporate world in increasingly innovative ways.  Read how Don Waters is creating online incomes to support his rural dream.  Improve your chances of shopping for healthy, nutritious food by understanding what food labels really mean…find out how to bypass banks and buy with bitcoin.
  • Learn how to cope in the face of a food shortage?  See Tom Kerr’s insights on the highlights of food insecurity and how Jules Dervaes feeds his family from one-tenth of an acre, 15 minutes from downtown L.A. Plus, you’ll find all you need to know to start canning any extra fruit and vegetables you grow.  See how Zoe Blarowski quit her job when she saw how much money she could make freelancing.  See how Les Worley loves making cheese in his own kitchen.
  •  In another issue you learn more about how Merri and I, who are  in our seventies, have a global business and income yet are living a life on the land—using the uber economy, online income, and wise investments to create wealth.

Three More Reports FREE

If you subscriber now,  Independence Monthly will send you three more special reports at no additional charge.

Special Report #1: Manifesto for the Uber Economy (FREE today with your subscription to Independence Monthly).  Find tried and tested ways to free yourself from the burdens of debt and reclaim the life of fun and excitement you deserve.  If you’re interested in taking advantage of the myriad opportunities within the Uber Economy—to boost your wealth and leave the rat race behind—there’s no smarter, more comprehensive, more efficient place to start.

Special Report #2: Banking Smarter: The Uber Economy’s Low-Cost, Big-Reward Answer to Outrageous Fees and Charges. (Not available with any other offer—yours FREE today.)  Inside, you’ll learn how to gain free and instant access to the fastest growing banking system in the world.  Open your own account today—using step-by-step instructions—and you can ditch the fees and charges that ordinarily cost Americans more than $1 billion per year.

Plus, take advantage of a special fast reply bonus—by acting within the next 24 hours—and Independence Monthly we’ll send you another Special Research Report as well…

Special Report #3: The No-Mortgage Secret to Owning in America (Not available with any other offer—yours FREE today).  You’ll discover a little-known way to get a pristine slice of America—at no charge.  No mortgage.  No down payment.  No repayments.  Imagine waving goodbye to mortgage repayments… for good!

My normal promise of full satisfaction or your money back extends to Independence Monthly.  Subscribe to Independence Monthly here.  Two years for just $69.

Get your first issues.  If you are not totally satisfied, let Independence Monthly know within 60 days and they will give you a full refund, no questions asked.

If you are not totally happy and take a full refund, you can keep the report  “Live Anywhere – Earn Everywhere”, plus the three bonus reports,  as my and the staff of Independence Monthly’s thanks, for giving this important publication a try.

You can order the  “Live Anywhere – Earn Everywhere Report”  for $39.99. Click here.  Or get the four reports free when you subscribe to Independence Monthly for two years.

Screen Shot 2017-01-30 at 9.48.52 AM

Subscribe to Independence Monthly here.  Two years for just $69.

Gary

Earn in Smalltown USA


Here is a chance to have a small business in Smalltown USA.   Our latest report “Live Anywhere – Earn Everywhere” looks at ways to find great places to live in Smalltown USA.   One recommendation of a wonderful place to live is Ashe County North Carolina, where we have our farm.

The main shopping town is West Jefferson, a gem of a small town with good old fashioned values, a quaint shopping area with art galleries and such.  There are wonderful festivals and during the summer regular free Bluegrass concerts in a small park  on Backstreet in the center of town.

Back Street West Jefferson

Blue grass concert in the Backstreet Park.

west jefferson christmas in july

The Christmas in July festival on the West Jefferson Backstreet.

There is a business opportunity on West Jefferson’ backstreet now.   Our friend and owner of the West Jefferson Coffee House, Julie McGunegle, has decided to sell her business. We are sorry to see Julie go, but hope we can help a friend replace here as this is our regular hang out.

This is the place to hang in West Jefferson North Carolina.

west jefferson coffee house

West Jefferson Coffee house.

We have had our wine and cheese  receptions at the coffee house when we conduct our courses in West Jefferson.  Here is one of our groups…

west jefferson coffee house

having a good time socializing and talking about what they learned during the day.

west jefferson coffee house

Julie’s sales price seems very reasonable to me, just to cover the full compliment of equipment. The great good will is a bonus.

west jefferson coffee house

Here is Julie when the shop was named the best in the county.   It is in en excellent location, shown by the red arrow.

west jefferson coffee house

Julie hosts many parties as well as the regulars and tourists who come in.

west jefferson coffee house

Here are some of our frieinds enjoying a cuppa and the news.

west jefferson coffee house

All the equipment is included in the sale.

west jefferson coffee house

Julie’s success has come with hard work and determination.  Buying this shop is really buying a job.  No one will ever get really rich from it but there is no faster way to fir into this wonderful community and get to know the whose who of West Jefferson.

west jefferson coffee house

You can contact the owner of the cafe, Julie McGunegle,  for deatils at jbm2802@yahoo.com

west jefferson coffee house

Gary

A Growing Deception

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

May I coin a new word, Pruppie?

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

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

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

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

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

ecuador-banks

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

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

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

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

goldenseal ginseng

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

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

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

Here are some of the experiences this report shares:

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

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

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

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

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

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

Fwd: gary-scott-tipis

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

gary-scott-farming

Our North Carolina greenhouse.

gary scott greenhouse

Our Florida greenhouse.

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

merrily farms

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

My Guarantee

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

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

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

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

Gary

Earn Everywhere With Exports


Ecuador Export Business Idea

Live anywhere – Earn in Ecuador with an export business in Ecuador.

Create an Ecuador exports business with Roberto Ribadeneira’s Ecuador Export Tour.   Merri and I have worked with Roberto for nearly twenty years exporting many products.

You can arrange an individual tour designed especially for you.

ecuador exports

Lake Quicocha near Cotacachi.

Visiting another country is great, but it is even better if you can do business while traveling!

Come to Ecuador and learn all about exports to the USA, Canada and Europe while visiting amazing places and earning money.

* You may be able to deduct part or all of this trip from your taxes.

* You can buy products to sell back home.

* You can learn about exporting from Ecuador to anywhere.

* You can even bring ideas to manufacture in Ecuador with great quality and competitive prices.

Coming to Ecuador not only won’t cost money but will make money for you.

Here is a note from Roberto Ribadeneira:

Let me share all the knowledge, contacts and products I have accumulated over decades of exporting.  Make your trip to Ecuador the beginning of a great business opportunity.

ecuador exports

Otavalo Market.  Learn about Tagua…a vegetable, sustainable, renewable ivory.

Let’s see some numbers.

ecuador exports

Tagua bracelet. Cost in Ecuador is $2.50 it is sold in the USA for at least $12.

Tagua necklace. Cost in Ecuador is $3, it is sold in the USA for at least $15.

Metal Bracelet. Cost in Ecuador is $1, it is sold in the USA for at least $10.

Shawl. Cost in Ecuador is $2.50, it is sold in the USA for at least $11.

Scarf.  Cost in Ecuador is $3.00 it is sold in the USA for at least $12.00.

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Alpaca Scarves.

These are just few examples of products that are inexpensive and have huge margins.  But there is also another plus; you can request specific improvements on those products.

But let’s go over some numbers and specific ideas.

1-    You want to sell a tagua bracelet to a University in Colorado, but everyone can do that, what they can’t do is sell a tagua bracelet with the University’s color. We can dye the tagua bracelet to match the University’s color, same goes for any other tagua designs and even for shawls and other textiles. If you make just $9 on each tagua bracelet and you sell 100 units, you are making $900 on 1 order.  And this is just 1 product, and this is just 1 University.  You can apply this idea to any education center in the USA.

2-    You see designs of leather products that you think could be made better, or different.  There is a niche market where you can sell them.  The manufacturers in Ecuador can make any design, on any color with major improvements over the original idea.  You can even request to put a logo and special details on the products.  We have a major company in the USA that wants our leather iPhone 6 cases, but they want them with their branding and specifications that other cases don’t have.  So we are making the leather cases exactly as they want them.  Margins on leather products are around 60% retail and 20% wholesale. Orders for medium size companies come in the hundreds, so you can make good money selling leather. Customers and myself have made thousands of dollars selling these products.

3-    Selling Roses to final customers is another amazing way of making money.  What I am doing right now is reaching to people that want to raise funds for specific projects and teaching them how to use roses for that.  On one specific program we are donating $20 to $40 on each box sold to a Water Project in Ecuador.  The response has been unbelievable, people enjoy the beauty of Roses from Ecuador but also contribute to a good cause at the same time.  Since there is no limit on quantity of flowers that you can sell, there is no limit on the number of people that you can involve in this idea.

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Rose Farm Processing Facility.

4-    Selling wholesale. This is the main goal for the July course that I want you to take here in Ecuador.  If you find a store, a chain, a website or any other vendor that sells unique and cool products, you are in for a great business opportunity. Their orders are in the hundreds and even thousands of units.  Margins are lower, but since you are selling more, that compensates.  The nice thing about this part of the business is that these big companies are looking for different products, so if they buy 1 from you, there is a big chance that they will buy many, many others.  Remember that our manufacturers can make the products with the customer’s specifications, so there is no restriction on design that your buyer may want.

As you can see there are many ways in which you can make money while visiting Ecuador.  That is why I have designed an Ecuador Export Course that can be especially customized for you.

We work 3 full days together learning and searching for products that you could buy.  You and I will go over ideas, product designs, web design, shopping carts, SEO and other details on how to get as many customers as you can.

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Leather Duffel Bags.

The course includes taking you to the manufacturers, sellers and export companies so you will have all the contact information that you need to move forward on your business.  There are dozens of manufacturers that make every type of product that you can imagine.  Most of them already work with big importers all over the world and have proved that the quality of their products is amazing.

If you would like to sell retail, I will also show you how to design a website, create products, a shopping cart, how to set up the system to charge your customers online and the basics of promoting it.

There are plenty of places to visit and ideas to explore. Among the places that you will visit while on the Export Tour are:
–    Quito
–    Otavalo
–    Peguche
–    Ibarra
–    Cotacachi
–    San Antonio de Pichincha

This is not just another course, this is THE COURSE. I don’t just teach you how to Import Products to the USA, I also work on the import-export business myself, which means that I have the experience and knowledge to give you ideas and solutions.

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Jewelry is one of many Ecuador exports.

Ecuador has evolved as an export center and I have expanded my export service to create custom export tours that fit your schedule and particular desires.

I arrange for you to meet the artists, designers, creators, craftsmen, wholesalers of products that suit your business ideals and arrange visits of workshops, homes and markets.

You can learn about exports as diverse as jewelry or wood products.

Ecuador has great art exports.

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There are wonderful handmade crafts like the chess set below.

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This tour goes to the high Andes.

You’ll see products from Zuleta where they create handmade “green” cotton-one-of-a-kind tableware, shirts, specialty items.

Here you see them in hand sewn embroidery from the village of Zuleta. In this Andean community near us hand embroidery has been an important form of artistic expression and adornment for centuries. Andean cultures have long boasted superior textiles, far surpassing those of Europe. The weavers of the Andes could produce material with as many as five hundred two-ply woolen wefts per inch compared to one hundred in Europe.

The women of Zuleta are renowned for unique hand embroidered designs and colors. Their styles are so unique they have become a form of cultural identification.

Flowers are popular in Otavalan sweaters as well.  Plus the ladies of Intag make flowers from plant fiber.

My main exports are flowers, but we send many products and have the Ecuadorshop Logistics Service to help you become an exporter.

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

Here is a Ecuador export business I arranged for a tour delegate who sold to the Texas Rangers.

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Texas Ranger badge.

Almost everyone has heard of the Texas Rangers.  They are the oldest law enforcement body on the North American Continent and have helped bring in many famous criminals like John Wesley Hardin and Bonnie and Clyde.

We were really tickled to hear from a delegate of the Ecuador Export tours that he had sold hundreds of embossed Ecuador leather backpacks to the Texas Rangers and that was just the first order.

Here are some of the services we offer to help you export from Ecuador to the USA.

#1:    A US company.

#2:   A continuous bond, which has to be purchased each year to be eligible to register to import with the US Customs.

#3:   A broker who has a power of attorney authorizing them to handle your imports.

#4:   A US bank account to pay US customs department when taxes and duties are due.

Plus if you are selling direct to customers and accepting credit cards, you need:

#1:   A verifiable credit history and Social Security number.

#2:  A gateway company to process the charges.

#3:   A credit card merchant account.

#4: A certified, secure  shopping cart.

#5:  An annual PCI compliance review and certification

#6:  An EIN number provided by the IRS

#7:  A sales number issued by the state of Florida.

#8: A Physical US address (PO box not allowed).

#9:  Monthly accounting system.

#10: IRS annual sales report.

We can help you organize all these steps.

Our Ecuadorshop Logistics Service provides all these services for exporters.

There are two more very special benefits.

First, our logistics service can pay manufactures in Ecuador.

Second, our service can monitor production and quality and assure timely delivery.

Many people try to export and find really great products that they sell really well.   However once they return to the US they can’t restock unless they return to Ecuador.  If they do reorder but are not present for delivery, they are at the mercy of the manufacturer… which creates a huge quality control problem.  These importers get whatever suppliers here send them.

Many don’t even try to reorder.  They don’t know how.  They don’t want to wire  money without seeing the product and being are of delivery.

Many others just have no idea or find that the income is not worth the time, effort and cost of all the red tape.

The good news is that I do not get in-between the importer and buyer either.  I set a price for my service and the importer knows his product cost.

Our service is provided for a set fee so the importer knows all costs and can price his product accordingly.

This is a great service that provides every detail for importing products into the USA.   We have used this logistics service ourselves for years.  One big benefit is that the service can send each product direct to the buyer in the USA.  We sell Ecuador roses… charge the customer and deliver the order to our logistics service.   Everything else is handled by the service.   The  tracking notice and the roses are delivered direct to the buyer.  The logistics service then charges our credit card and pays the supplier… so no money has to be wired to Ecuador.

The Ecuadorshop Logistics service makes large and medium scale Ecuador exporting possible.   Exporting can be fun and fulfilling as well as profitable.  Improved technology continually makes having your own global micro business easier if you have support.

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Wood Carver in San Antonio de Ibarra.

Come to Ecuador and make extra income while learning about global trade and expanding your possibilities.

Ecuador has amazing products that are unique and very affordable.  This makes them more attractive and more lucrative.  Additional to this you don’t need to make thousands of items to get a good deal. In Ecuador most products are hand made, which means that specifications and quantities match what the customer needs.

Have a great experience in Ecuador while doing business. You will learn about Ecuador, the products and the people.

In addition to help the success of your export business Gary & Merri Scott are giving each course attendee their online course “Tangled Web How to Have an Internet Business”.   This is a $299 online course that I asked the Scotts to provide to you free.

This course focuses on how to use modern technology to start and run or improve a global micro businesses… that can create valuable extra income with minimal investments of time and capital.

You learn how to start small and build with stepping stones and a harmonious focus… how to build a successful at home business via the internet using several profit generating phrases at Google.

You gain the secrets of how you can use words to create your own global income… whether you travel or stay at home.

The course shares how to create a website and utilizes the first four of “Seven Ps”  (Person, Problem and Promise, Product) to zero in on key word phrases.  Then you learn how to use the Fifth P Promise to develop new customers. The Sixth P is the Prospecting Path and Seventh P is the Presentation to create income.

You can gain all the facts on how to use the seven Ps to create internet sales.  The internet can support your Ecuador Export business.

ecuador exports

New Super Highway Quito Airport to Cotacachi.

Food, accommodations and travel to and from Quito Ecuador are not included.  Travel on the tour is included.

This is a three day customized tour.  We fine tune the schedule depending on what you would like to see more as you may have more interest in certain products.  We make adjustments based on your business needs so the tour will be most beneficial to you.

Here is a typical three day tour

Day One:  Leave from Quito to Cotacachi at 09:00.  Start at 12:00 in Cotacachi, visit to leather town to see what products you can make in leather. We visit suppliers and manufacturers for ideas on what you can buy or have made.

Lunch break 14:00 – 15:00.

16:00 – Go to San Antonio de Ibarra to see wood products, meet manufacturers and review designs that can be exported from Ecuador.  Visit ends at 18:00.

Day Two:  Start at 10:00 after breakfast at the hotel.  Visit Otavalo for Tagua and textiles.  Visit see manufacturers, review products on what can be purchased or made. See how to develop personal labels. Find volume discounts etc.   Meet with supplier for new products to make, high-end tagua items, new products of bamboo, baby blankets, baby products, Christmas products. Products made of Alpaca, specific designs.

Lunch break 13:00

14:00 – Talk to cargo agency, see packing, costs, how to ship, taxes, etc.  15:00 – Visit manufacturer for sweaters, shawls, and other textiles, he can make specific designs for you.  17:00: Create a website, a shopping cart, manage logistic, storage and shipping cost with FedEx or Mail Service.

Day Three.  Starts at 10:00 after breakfast at the hotel.

Visit Otavalo Market, fair day. See all the products available, purchase items for business, talk to all the vendors, see different products, low cost textiles, low cost jewelry, ponchos, sweaters, shawls, products for under $2 a piece.

12:00 – Tagua, jewelry, what designs you can make, cost of personalized items. Jewelry store for Tagua products, they create designs for inexpensive tagua jewelry.

13:00 – 14:00 lunch.  15:00, see rugs, alpaca products, honey products, flowers, etc.  End at 18:00

Individual Export tour for one $799

Individual Export Tour couple $999

“Tangled Web How to Have an Internet Business” will be emailed to you when you enroll.

Why Have Multiple Income Streams?


My number one golden rule of investing is, “There is always something you do not know”.   This is also a pretty good golden rule of business. That’s why Merri and I always try to enjoy several businesses.

We have our self publishing business.

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Writing is a great way to earn.  Writers can work where they want, when they desire and keep it barefoot and casual.

We have other businesses as well.

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For example, we have our orange grove.  Not a good earner right now with citrus greening but with some huge fringe benefits.

We have a real estate rental business with annual leases and also use airbnb.

airbnb

One of our airbnb listings.

We even raise trout which we sell locally in North Carolina.

trout

There are numerous reasons for creating numerous streams of income.

And there are many benefits to having numerous ways of earning.

First, each activity is enjoyable… for us.  This stops us from becoming bored or burned out.  A passion or interest, not the money, is always the starting point we use to find new ways to serve and earn.

Second, the diversification increases the odds that we’ll always have enough income.   The years bring ups and downs in our businesses, but something always seems up so we never live beyond our means.  When we are not pressured for immediate income, the ability to work through slow times increases… a lot.

Sometimes unseen forces, totally beyond our control, will alter investments and business.

The Wall Street Journal article “You may be in a risky business if regulators find it distasteful” (1) tells how changing enforcement of regulations can send a good business south in a hurry.

The article begins: Imagine you have a thriving business and one morning you get a call from your banker explaining that he can no longer service your accounts.  You try to open an account at another bank but are unable to do so.  The bankers all tell you the same story: Regulators have told them that they should no longer serve you, and if they continue to do so they will face significant regulatory penalties—even though you’ve done nothing unlawful.

That’s what happened to many business owners as the result of an Obama administration policy called Operation Choke Point.  In 2011 the Federal Deposit Insurance Corp. warned banks of heightened regulatory risks from doing business with certain merchants.  A total of 30 undesirable merchant categories were affected, including purveyors of pornography or racist materials, gun and ammunition dealers, firms selling tobacco or lottery tickets, and payday lenders.

The FDIC pressured banks with the threat of “unsatisfactory Community Reinvestment Act ratings, compliance rating downgrades, restitution to consumers, and the pursuit of civil money penalties.”   They  especially went after payday lenders, simply because senior policymakers in FDIC headquarters opposed payday lending on personal grounds based on personal moral judgments rather than legitimate economic concerns.

The FDIC didn’t make formal rules or announce penalties.  Instead, they relied on informal decrees called guidance, thus avoiding congressional oversight and normal legal procedures aimed at avoiding such witch hunts.

This was ethically, morally and probably legally wrong, but what is a small business to do?

Who could have foreseen that a batch of bankers would have chosen that particular industry? 

Success in business depends on foresight,  determination, hard work, patience, persistence, good husbandry and good fortune.  We can dramatically influence six of these seven basics, but when it comes to fortune there is always the unknown that can impact our luck.  We should expect a fair share of good luck, but suspect that some bad luck could affect us too.

When we create businesses with multiple streams of income, we don’t make our luck, but put ourselves in a position that whatever happens, whenever, we have improved our odds of always having enough.

Gary

(1) www.wsj.com: You may be in a risky business if regulators find it distasteful

Live Well and Be Free

Here are 5 global income experiences and 7 business secrets that can help you live well and free anywhere.

I began my international business 50 years ago and have been creating and running international micro businesses since.

During that time my wife, Merri, and I have been able to live, work and earn all over the world… literally anywhere we wanted because of seven secrets we gained which we share here with you.  We have been blessed with global earning experiences that helped us make millions… but were also fun, such as with British Lordships.   See how one micro business helped us rub elbows with British Royalty below.

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One of Merri’s businesses that worked with British Royalty was featured in Doonesbury.

Global Earning Experience #1:  Lepers.  Our micro businesses have been fulfilling.  Merri started her international business in her 20s (long before she knew me) importing Italian clocks to the USA.  This earned so much ($80,000 in the first year) that she created other micro businesses helping orphans in the Yucatan and Haitian lepers (at the Albert Schweitzer Hospital) produce crafts she sold for them in the USA.

Excellent income ($80,000 in the 1970s was a lot of cash)…  incredible contacts… working with Dr. Larimer and Gwen Mellon who created the Albert Schweitzer Hospital in Haiti… and enormous satisfaction.  Merri still cries over 40 years later when she tries to speak of the gratitude of the lepers and her time and life in Haiti.

Plus she gained lessons that allowed her to live and earn… in many places and many ways.

Then we got together.

Global Earning Experience #2:  Lords.  Another of Merri’s ideas (in the mid 1980s) was to broker British titles to wealthy Americans.  We made a ton from that… even gained 15 minutes of fame when Gary Trudeau learned about this business and immortalized it by having B.D. Zonker buy a title!

What fun… profitable, plus stimulating, meeting and working with the Blue Bloods of Britain… visiting their castles… invited to their events and affairs.

Before I get ahead of myself, may I ask you a question?

Would you like to have a lifestyle and a front yard like this… almost a thousand acres of hacienda overlooking the Andes?

Would you enjoy living in two, three or even more places wherever and whenever you choose?  Would you be happier with more freedom, lack of debt, and a life of riches, adventure and travel?  Would you be glad to feel confident that you can discover interesting and fun business ideas again and again that not only bring in extra income but also help the poor and improve the environment?

If so then read on… because… that front yard above is ours in a remote Andean hacienda.  This is only one of several homes that we have gained (to live and use in business) from the secrets we’ll share below.

In the summer, we retreat to our 250+ acre farm high in the Blue Ridge mountains of North Carolina.  Here’s our front yard in these mountains and the view from my home office.

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Home offices in all your homes are important by the way.  They are part of one global micro business secret and you’ll see why have two home offices (and using two cars in business) can save thousands in taxes.

When you have an international micro business that involves your home and car, the tax benefits are fantastic.

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A group of readers visiting our North Carolina home after learning how to gain freedom with a micro business.

You can also enjoy such a lifestyle because after years of search, I found business secrets that you can use and enjoy.

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Waterfall at our North Carolina Farm.  See enjoyable benefits of a micro business in water.

Global Earning Experience #3: Hospitality.  Here’s a hotel we owned and operated in Ecuador.  Once we sold this we joined the sharing economy and began offering rentals in our North Carolina cabins through AIRBNB and houses in Florida.  We became designated super hosts within months and are adding thousands of extra dollars to our income every month.  If you want to provide genuine care and hospitality you can be anywhere and beat out big businesses in your niche because big business has created an uncaring world and everyone craves care.

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Having a variety of places to live is part of one of the secrets on how to earn more, have a better life with more fun, adventure and greater freedom.

Global Earning Experience #4:  Import-Export.   Here I am at our Florida house showing clients how to import.

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I was wearing a hand tailored, made to order, high quality wool suit from Ecuador that could be imported into the US for as little as $135 .  Plus that Panama hat was made in Ecuador.  This is odd but true, all genuine Panama hats are made in Ecuador.  We import Ecuador roses year round as well, all from one of our tax deductible US home office.

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The secrets we’ll share below are not about how to buy suits or flowers though.  The secrets show ways to make money (while helping others) marketing products and services wherever you are and much more…. globally.

Global Earning Experience #5:  Green Produce.   We have an orange grove and lake at our Florida home and

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are among the first to test new organic ways to make citrus farming better for the environment and the consumer.  In North Carolina we cultivate Wild American Ginseng as well as aquafarm.

These are just a few of the business experiences that can help you have the freedom to earn globally.  They are shared in our emailed correspondence course, International Business Made EZ.   This course helps you learn how to earn and live wherever you choose!

The course teaches a system based on seven secrets so powerful that it creates money for you regardless of where you are:  in town, out of the country, traveling or even in places as remote as we live.

These secrets have worked for us in real estate… titles… tours… agriculture… clothing… hospitality… alternative health…  spirituality… printing… publishing and art businesses for Merri and me all over the world.

I searched for these elusive secrets of opportunity for over twenty years, looking for a way to gain incredible, outlandish, unbelievable profit potential.

I finally found them and after years of proof and would like to share with you.  The opportunity I sought had to be enormously profitable yet also safe.  It had to work in good times and bad and had to be flexible so it could evolve as times changed.

These were not the only standards.  I wanted to find unbelievable profit and high safety and freedom but also wanted this incredible investment to offer the ultimate tax shelter, something so perfect it would not be even a little bit questionable.  It had to be so tax foolproof that Congress would never change it. 

I wanted a tax shelter so good that it would be encouraged by the government.

I feared deep down inside that what I wanted was impossible.  Nevertheless, I scoured the world for over twenty years looking for it.  I looked in Japan, Hong Kong, Korea, Thailand, Indonesia and the Philippines.  But I didn’t find it in Asia.  I went to the Middle East and searched all over Europe… all across the USA and Latin America.  I hardly missed a country.  After twenty years and millions of miles, I guess I gave up.  Only then (as these things so often happen) was it that I found the best opportunity in the world.

This opportunity was not only perfect but I discovered that it was wherever I wanted it to be, in my own back yard, in Florida and our remote home in the High Country of North Carolina and our even more remote cloud forest home in Ecuador.

Merri and I have created a special program we call “Live Well and Free Anywhere” that makes it possible for you to enjoy extra income doing something you love.  You can gain full or part time and enjoy excellent profits as you have fun and do something good in the world.

My search stumbled on the fact that most millionaires make their money in business.  This discovery led to a study of rich businesses, ones that generate everlasting wealth.  Here are five of seven secrets we learned and have used in our  micro businesses:

Secret #1: They must enjoy the multiple effect.  A product once created must produce profits again and again, almost on a never-ending basis.  Each investment made needs to make huge returns.

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

Secret #3: These money making systems should be enjoyable and fun.  Sadly most people make money for the sake of making money.  Many spend their lives working, just to have a few precious hours having fun.  The most important fact about making and keeping wealth is that those who were richest absolutely love what they were doing.  Money is of secondary importance to their effort.  And as things are, this means they actually ended up making more money.

Secret #4: These money making systems need to be flexible.  No matter what the economy brings, your ability to make money should work regardless of inflation, recession or even depression.

Secret #5: These businesses usually start small, but grow quite large.  Good money systems work for large or for small amounts and can be operated on either a full or part time basis.  Most businesses start with a learning curve.  During that time it is essential they are small.  Once the lessons have been learned and the system is operating properly, then it needs to grow for larger and larger returns.

These secrets created a fantastic way to make money with my own international micro business doing what I love!

You too can have everlasting wealth by turning your passion into profit.

Before discovering these secrets I had a business but to be honest could never get ahead.  I was almost penniless, in debt and living from month to month, check to check.  Then I discovered these seven secrets…and how to apply them around the world.

Since then our international micro businesses have brought in millions.  We gained all the physical possessions we desired, plus more than enough money in the bank.

We do not have one penny of debt and we have leisure time… though when you love your business… why not work?

This is most important, we have fun and feel that we do something beyond just making money every day!  Merri and I do what we love and have learned that through our global business we can accomplish far more important goals, gain self fulfillment and be of service to our community.  In short we can help make ourselves and the world better.

Among our greatest thrills is being able to help others through foundations we have started that help the environment and the poor.

More importantly we have the freedom to do all this from many locations (some are remote-you have seen the pictures) that we really enjoy.

You too can have the freedom to do what you love from any place you like, even operating (actually preferably) from your bedroom, dining room or den if you wish.

What do you love? Rare cars?  You can make a fortune creating a business around them.  Do you prefer fine art? Or do you love beautiful jewelry, coins, gems, real estate, furs, model railways, dolls, scientific equipment, war memorabilia, old and rare books, or whatever?  Do you prefer social subjects rather than objects?

Are you concerned with the environment or humanitarian problems, with crimes, war or poverty?  Would you like to help wipe these social problems out in the course of your business?

Are you a golfer? Do you love to travel? Why not make all kinds of money in a global business related to golf?

Would you like to help the world be a more spiritual place, help people get along better together?  You can do something good for the world, increase your income and live wherever you please in the process!

Whatever your passion you can learn how to earn by creating an international micro business based on it.  You can be international if you love to travel or not.  Regardless of your skills and position there is some approach that will work for you.

Take fishing, for example.

I am no great aquafarmer, but the numbers and lifestyle work on a small scale.  We pay about $3.50 a pound to stock the fish, they double, triple, even quadruple in size and we sell them at a local butcher shoppe for a modest profit.   This is not a big deal, but does generate income, helps attract guests to stay in our rental cabins, puts some great trout dinners on our table and is a thoroughly enjoyable part of my daily labor.  I need this to counter balance sitting in front of a computer.

Over a couple of months the fish grow… a lot.

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We are lucky to have a perfect but natural place to raise the trout.  On busy holidays when our monster trout are in demand I have to work hard fishing at that pond.  Pity me!

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This pond is just below our house, so raising the trout is EZ for me.

Millions of people love fishing but don’t have a pond.  This does not mean they cannot be involved in fishing.  Here are just a few of many ways that others have profitably matched this passion with profit.

Two of my friends, John and Lou, grew up near me in the Oregon mountains.  They were outdoor adventure types and moved to Canada, where they homesteaded 1,200 acres on a trout-filled lake in mid British Columbia.  They built a fishing camp that attracts fisherman from around the world.

Duncan Kinderman on the other hand loved fishing and castles.  He bought a castle on the River Tay, a great Scottish salmon river, and offered time shares for fisherman from Britain, Europe and the US.

Another entrepreneur I know was from Montana.  His skills were in marketing so he sold fishing trips for fishing camps.  He attended rod and gun exhibitions, met owners of these camps and arranged to sell their fishing trips to the US, Argentina and even in Russia to fisherman around the world.

Ralph Kylloe on the other hand loved fishing and photography so he created the book, “Fishing Camps”, which was published by Gibbs Smith publisher. This allowed Ralph to travel across the country enjoying fishing camps as he photographed and wrote.

Steve Ambrose, another friend of ours, had family commitments at home so he set up a bass fishing business in Florida that served Americans, Germans, Canadian, Dutch and Belgians.  Later as his children grew, he used his client base to arrange fishing trips in Argentina.

Each of these people had provincial backgrounds and differed in age, situation and skills.  Their common link, the love of fishing, led each to a global micro business.  Each was able to blend a unique nature and set of skills to develop a global business that surrounded them with fun, like minded fishing souls.

Also, imagine what an international business means to your world travel.  Every trip you take can be tax deductible!  You can honestly write off every trip that is related to your business.  Every journey becomes a research oriented adventure and a TAX DEDUCTIBLE EVENT. 

For example if you have your own business you can gain $12,976 by using two vehicles for business because  IRS Form 4562, which is filed by proprietorships and corporations, contains spaces for up to six vehicles.

There are similar benefits by having a second home office defined in IRS publication 463 and IRS publication 587.

These are huge tax benefits that can be gained when you have an international, at home,  micro business.

As a real international business person, you’ll have one of the most respected and tax protected businesses in the country.  Every country needs to do business abroad, and most governments have created many programs to encourage their citizens to do business overseas.  Many of those benefits come in the form of reduced tax.  Other benefits come in the form of legal protection and even subsidies and grants.

There is such an abundance of opportunity that Merri and I have created this program to help you have your own international micro business that can be managed almost anywhere.  This program is unique because Merri and I are unique.  We started our global business together.  Since we’re almost recluses, we decided to do the whole business by ourselves… thus we create micro businesses that do not require large staffs.

We began working at home.  Today, though we have tens of thousands of buyers and have made millions, we still work at home on our remote farms and employ only a few people to help.

You can do the same with a system contained in an electronic correspondence course called International Business Made EZ.   The course reveals all you need to know about how to start and run your own global business all by yourself.  It answers your questions and gets your business started!

Thousands have profited from this course which has been updated in its fifth edition.

For example, Ben, an investor from Pennsylvania used International Business Made EZ and wrote:

“Jam packed with vital information.  My head is spinning. Thank goodness this is all backed up by your manual. This is a true and cherished gift. Your tips on low cost business are a blessing!  Thank you once again for an outstanding course.  The value far exceeds the price.”

In just a week, you can be well on your way to income and freedom to live wherever you choose!  International Business Made EZ shows you how to take advantage of the five secrets mentioned above and the remaining two secrets below:

Secret #6: Look for ways to gain 1,000% returns in business.  The wealthiest families in the world today come from global businesses.  Learn how margins can be so incredible that few would believe them.  Learn how to use stories to make huge shifts in the value of products.  Take for example our friend Earl who is a dog trainer.  On a trip to Ecuador clay whistles in the market place were for sale at .35 cents each.  By calling them dog whistles Earl was able to sell them at $9.95,  a whopping 2,700% mark up!

Secret #7:  Create and market your product everywhere using niche marketing.  There are 11 steps to create the perfect product.  You learn them with International Business Made EZ.  Understand how to review ideas, test focus, aim at markets.  Learn where and how to get your data and get others to provide your marketing material for you almost FREE.

Learning how to market is the key to successful business. Knowing how to turn pennies into dollars is good marketing focus. International Business Made EZ gives you this winning marketing knowledge.

You’ll learn how to turn advertising dollars into a fortune.  You’ll learn how to create your own ads and when to use the internet… search engines… pay per click… classifieds, space ads, direct mail or word of mouth… even flea markets and roadside stands in some cases.

See how to build a PR list and social business network on the World Wide Web to gain thousands of dollars in free publicity.  I even share my most secret results on my marketing so you will know why sometimes you sell more units of a product at $49 instead of $29.

Learn how one couple used ads about retirement to supplement their retirement income and received free trips all over the world.

Learn how we have made money over the Internet (specific details, specific experiences, hard earned knowledge over the last 13 years!)  With an inexpensive computer you can easily run a business from home and still have tons of time left over – even if you are computer challenged.  Merri and I have certainly proven this.  We were one of the first to run a successful website and still rank high today even with millions of competitors.  The secrets in the course include a step-by-step approach.

Merri and I with our webmaster, David Cross, were leaders in beginning internet micros businesses and have sold millions over the web.  You gain ways to earn global income over the net from that experience as well.

At www.garyascott.com our emailed messages are regularly sent to over 20,000 readers.

You learn the income producing power of defined focus and immediate repetition to get good search engine rankings and sales.

You can earn successfully while living anywhere because people of all ages are doing this.  Technology wiped out any disadvantages of age and gender.  A USA Today article entitled “The new entrepreneurs: Americans over 50” explains that older business people often start one person ventures in home offices using technology that did not exist a few years ago.  The article gave an example of Franny Martin who launched a cookie company at age 56 and said she built revenues to over $500,000 a year.   Yet her web site which attracts cookie customers from around the world cost only $3,000 to build.

International Business Made EZ is arranged in an easy to understand style.  Everything is explained in vivid detail.  We share all, how we have done it ourselves.  The course is full of business ideas and case studies based on our 48 years of experience.

The course  describes on a step-by-step basis, how Merri and I built a multi-million dollar international micro business in just 7 years and how you can do the same.

Terry T., an attorney from Germany took the course and enjoyed this fact when he stated, “What I like most is that it is a nuts and bolts course-not pie in the sky.

Learn How to Gain Total Security.  Learn how and why the global economy makes employment riskier because change is no longer an option.  See ways to become and agent of and profiteer from change never a victim of change.

Learn How to Perfect a Lifestyle.  Living as you choose is important because life is short.  Fortunately matching what you love with what you do in business actually increases profits.

George K an MD from California confirmed this when he wrote:

Your course helped me to crystallize and clarify ideas I’ve been considering that relate to my interests in writing, travel and ecology.  They showed ways to combine them in a personally engaging and potentially profitable way.  I especially appreciated the practical advice on organizing and marketing-turning ideas into products that sell and make a profit.”

A retired railway executive from Michigan picked up on this aspect and said more.

“Your course opened my eyes to the merits, profits, and prestige of becoming an international businessman, particularly the idea of doing business in Canada for distribution in the U.S. (for total tax protection).”

Learn How to Market your Product.  Learn truths that rule the market place.  Gain knowledge on subjects like… How to Make the Truth Exciting. Create your own Sales Story…  How to Deal With Cultural Differences…  How to Build Global Lists and Use International PR…  How to Spot the National Psyche and Quadruple Profits With Multimedia Marketing…  How to Choose Businesses as Pioneers or as Settlers.

Tom K., an engineer from Ohio, cashed in on this idea and wrote, “Basically, I learned the selling and marketing implications.  The course is absolutely worth the price!”

Learn  How to Obtain What You Need from the Net.  How to Use the Web to Reach your Market.  How to develop your site, target your market and start getting visits. The top ten Internet tips to use, the top ten traps to avoid, and many other lessons our Webmaster has used in his many years on the net. This system is so simple anyone can use it.

“Thank you for taking the mystery out of business and bringing it down to the ham and eggs level.” L – Chiropractor – Oklahoma”

Learn the Importance of Business Evolution.  It is vital to success and fulfillment that your business has balance and grows in harmony.

Rachel B, a housewife from Washington, enjoyed learning this fact and told us, “The idea of starting at the lowest cost level was terrific.”

Learn How to Set up Your Banking Structure.   Learn all you’ll need about the financial end: How to control inventory, keep overheads down, check ad results and stay on top of your business.  Learn 11 hazards to avoid and tricks to stay profitable without a daily accountant.

International Business Made EZ contains all these secrets and more.

One delegate, Ted T. a publisher from California said:

“Your course is outstanding! Just two hours of study alone were worth more than the price.”

While Kelly, a business woman from Atlanta, explained:

“It was great going through your steps, being 100% honest without fear of giving trade secrets since you have paid the price (to gain this knowledge).”

Who is helped by International Business Made EZ?

This correspondence course is for those who would like their own international micro business for fun and profit.

Business people or professionals who want to add an extra profit center to their business or who want to change their business entirely will benefit.  Those who want more control over their career can profit.  Plus those who love global travel and want to turn their trips into profitable tax deductions!

Your tax savings in a year can be worth ten, twenty even 100 times the cost of International Business Made EZ.

Even older entrepreneurs are taking advantage of technology.  One of our friends and clients, Mickey E., was a 72 year old real estate broker, when she began a small global business.  With just a computer and internet, she created publications that attracted English real estate buyers.  This allowed her to become a top sales person in the biggest real estate firm (selling over a billion dollars of real estate a year) in town.  She later used the tactics she learned to move to Ecuador (in here late 70s) and start a micro business there.

If you want fun, freedom, extra income and fulfillment with your own full or part time international micro business, or want to build your existing business, you can profit by International Business Made EZ.

This course is also for couples who want their own business or who want to have a business together or a family business.

This is the perfect course for those who can no longer find employment, who are looking for ways to earn abroad and who wish to retire and supplement their income.

An employed couple from New York wrote, “We found the course interesting and informative.  We were inspired to start work on an international project.  When we came down, we had no idea on what to do.”

There is nowhere else to gain such a unique network of information and help.  We have a successful international business with over 20,000 readers in dozens of countries so you gain practical current business contacts that are active now.

Are you interested in a global micro business?  It can be small and part time mainly to gain prestige, fun and tax benefits.  It can be full fledged and rake in thousands a day.  If so, International Business Made EZ is an absolute bargain.  Our goal and guarantee is that you will be able to start and run your own global micro business.

If you are not fully satisfied in any way,  just tell us within 60 days and we’ll send you a 100% full refund with no questions asked.

Whether you are retired, an investor, chiropractor, doctor, dentist, professional or already own your own business, this offers another way to make money, to turn your passion into profit. We guarantee that we have shared all we know to help you start and run your own international business.  Enjoy and live a life of following your Passion to Profit… through an International Business.

To order International Business Made EZ and the entire “Live Well and Free Anywhere” program for $299.  Click Here.

Your Friend,

Gary Scott

Others who have used thus course wrote:

“The course gave me insight on what to do with widening my client base.” M – Real Estate Broker – Florida

“The course helped me in several ways. #1: To realize that it is not only OK but preferable to start small. #2: I feel I have a workable program to have my own newsletter-my own passion!” T B – Professional, Washington

“The course fulfilled all my expectations providing all the details necessary to start a business from creating the idea, through marketing including the systems necessary to implement our ideas.” B C – Chiropractor – California

“The first thing that strikes you when you start this course is how quickly and simply Gary cuts through many of the common misunderstandings about doing business internationally.  In fact anyone with even a small local business could learn a wealth of practical marketing and sales strategies and tips through International Business Made EZ.”

More Comments from Readers

“I completed International Business Made EZ in a (long!) weekend and – unlike many business books and courses – I didn’t fall asleep whilst reading it! I found it helpful to refer back to whilst I put my business ideas into action and the business and banking contacts in the course were worth their weight in gold.”

“There is a lot of rubbish written about business and ‘get rich quick schemes’ and I seem to receive some sort of junk mail or spam e-mail most days trying to sell me a ‘get rich quick’ idea, but I found Gary’s course genuinely different.”

“Firstly, the International Business Made EZ course is written by someone who has tried and proven his international business and then chose to share those practical examples in a course rather than as ‘pie-in-the-sky theory’. Secondly, although the course would show even hard-nosed, skeptical business people a few things about doing business internationally, it is written in a completely unassuming and open way and this makes it easy for anyone to gain maximum benefit in the minimum amount of time from the course.”

This electronic “International Business Made EZ” costs $299. You gain incredible education and the importance of the knowledge for you and your family’s wealth.

The course is so complete Merri and I extend our “no fooling around-complete satisfaction guarantee” and a special offer because “International Business Made EZ” is only one small part of the special program we have developed for you.

Here is the first part of the special offer.  We provide two emailed courses… “International Business Made EZ”,  and “Self Fulfilled – How to Write to Sell and be a Self Publisher”.

We include the “Self Fulfilled Writing and Self Publishing Course” because there are two reasons to write, when you have something to say or when you have something to sell.  In this day and age many of us want to do both, make a statement that makes the world a better place and earn something extra in the process. 

Whatever your passion, however you do business, chances are you’ll be writing either to create a product or to sell a product. 

Merri and I use writing and self publishing in our business.  We have earned as much as $20,000 for a single day’s work… and have earned consistently year in and year out… while we do what we love… because of a few secrets.  We write to be self fulfilled… to share what we have gained from living, working, investing and writing all over the world.

We wanted to share these secrets so we created a Self Publishing “Writer’s Camp” weekend seminar.  We offered the course for $1,500 and were surprised when 80 delegates enrolled.  People from all walks of life attended—chiropractors, businessmen, investors, doctors, realtors, inventors, airline pilots, engineers, and housewives.  Those who attended love the seminar.

Merri and I were so overwhelmed by the response, we decided to make it available to a larger audience.  We created a written course based on our current self publishing activity.  Then we recorded the weekend “Writer’s Camp” seminar.

Thousands have used the course as it has evolved over the decades.

You receive both the written course and the recorded weekend seminar, in an MP3 file, in the “Live Well and Free Anywhere” program I am making available to you.  The normal fee is $299 for each course (and $299 for the recorded workshop).   We’ll send both courses and the recorded Writer’s Camp to you by email for $299.  You save $598.

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

Does that sound fair enough?

To order International Business Made EZ and the entire “Live Well and Free Anywhere” program for $299.  Click Here.

Well actually you save more than $598.  You also receive a recorded webinar conducted by our webmaster David Cross (at no extra cost).

David-cross-images tags:"2012-4-20"

David Cross

David has been our webmaster since our website began in the 1990s.  He is Merri’s and my business partner. We could not run our business as we do without him.

You can learn the tactics we use in our web business that condenses 27 years of practical experience about search engine optimization, and writing for search engines.

For the last 27 years David has worked with companies large and small – IBM, Agora Publishing, AstraZeneca and many small business owners.  He has worked in 22 countries, and lived in six of them.

David’s clients span the globe and represent companies and charities both large and small.  From corporate giants to small, one-woman businesses and everything from finance, healthcare, publishing, technology, real estate, veterinarians, alternative health centers and everything in between.

David is an essential part of our web based business and Myles Norin, CEO of Agora, Inc.  wrote:  “I have found David’s knowledge and experience unmatched in the industry.  Without David’s expertise and guidance for the past 7 years, we would not be nearly as successful as we are.”

As Senior Internet Consultant to Agora Inc. in Baltimore, MD, he worked closely with Agora’s publishers and marketers and – over a 7-year period – helped to propel Agora’s online revenues from around $20 million to well over $300 million.

David’s webinar will help you gain benefits in your micro business that large internet marketing companies use.  In this practical recorded workshop you will learn valuable skills to help your micro business.

There has never been a time when the opportunity for small businesses abroad has been so outstanding.  Expand your borders now!  Increase your economic security freedom, independence and success.

If you are not fully satisfied that this offers you enormous value simply email us for a full refund within 60 days.  You can keep all three courses as our thanks for giving our courses a try.

To order International Business Made EZ and the entire “Live Well and Free Anywhere” program for $299.  Click Here.

Fair enough?

There is still more.

You also receive a report  “How to use Relaxed Concentration to Brainstorm Business Ideas” and a recorded workshop “How to Become and Remain Rich With Relaxed Concentration” at no additional cost.

Plus you get more in the program.

You receive the Report, “How to Finance a Small Business Overseas” (no extra fee).

Merri and I have always preferred to start our micro businesses  through cash flow.  However in the early the days of our business I found myself raising extra capital several times.  I have also helped numerous businesses raise money to get started.  This report shares several experiences to give a thumbnail sketch of how to raise money abroad.

In addition you receive any updates we make on any of these courses reports or recordings, free for a year.  Businesses usually need to evolve.  Merri and I continue to publish and have our independent businesses.  Some basics have remained for decades, but new strategies occur all the time throughout the year.  We’ll be sending along updates that share our most recent experiences as we learn and continue to grow our international micro business from Smalltown USA.

Finally a conclusion.

My special offer to you in this “Live Well and Free Anywhere Program”, is that you receive:

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

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

To order International Business Made EZ and the entire “Live Well and Free Anywhere” program for $299.  Click Here.


How to Reduce Stress and Increase Profits


There are a growing number of economic problems that can create financial disaster in the year ahead.  Fortunately technologies that create many of the problems can also be used to build an unshakable economic platform, for a more independent, carefree and fulfilled life that puts you in control.

I have created report, The Pruppie Factor – Seven Steps to Reduce Stress and Increase Profits in the Year Ahead”.  This report  shares how to develop a strategy that turns change into success.  The report is pretty long so I would like to send it to you in two parts and to thank you for being a reader I am sending this free and without obligation.

The Pruppie Factor – Seven Steps to Reduce Stress and Increase Profits in the Year Ahead

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

However he had already moved on.

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

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

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

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

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

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

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

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

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

A PIEC Experience

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

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

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

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

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

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

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

#1: Do What You Love!

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

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

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

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

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

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

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

But where do we start?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

#3: Integrate your earning and investing. 

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

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

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

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

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

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

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

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

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

Plus there are broken promises.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Multi dimensional opportunity earns in numerous ways.

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

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

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

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

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

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

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

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

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

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

That was a deal that few overseas investors could refuse.

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

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

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

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

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

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

Three Layer Financial Plan

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

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

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

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

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

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

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

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

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

#4: Find your Anchor of Value.

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

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

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

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

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

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

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

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

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

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

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

The story contains three valuable tips.

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

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

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

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

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

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

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

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

The Fever

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Most passive country index ETFs have minimal cost structures.

#5: Keep costs down. 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

We should know what all our fees are.

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

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

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

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

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

We offer two courses for attaining financial security.

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

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

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

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

Learn Slow, Worry Free, Good Value Investing

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

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

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

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

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return

#7:  Market history

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Save $457.95 if You Act Now

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

Triple Guarantee

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

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

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

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

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

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

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

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

 

The Jain Injunction


Knowing the Jain Injunction can help make sure you never run out of money.   The principles arising from this code create a doctrine that can make you rich.

economist newspaper

The Holiday Economist magazine has a great report on “Secrets of the world’s best business people.”

This report tells how one small population of micro businesses started with a few shops but because they have never been put off by small matters such as distance or temperature, now represent one of the most successful business communities in the world.

They have become one of the most prominent immigrant communities in Canada, and form a large proportion of immigrants in New Zealand.  Globally, from Fiji to Britain, from Myanmar to Uganda, they have built flourishing communities.

Business is their principal business.  Everywhere, they are to be found running businesses, from corner-shops to hotels, from tech start-ups to some of the world’s largest conglomerates. They along with the Jews, Chinese, English, Scots and Lebanese, have created an impressive global commercial network.

In the USA they arrived in numbers beginning in the 1960s. They now run about a third of all American hotels and motels.  They have also applied this practicality in Silicon Valley.  They are responsible for about a tenth of all startups there.  They control 90% of the $13 billion a year cut and polish diamond industry.

They say they feel constitutionally unsuited to working for other people.  The best way to work is to run their own business, “to take their destiny in your hands”.  Enterprise always earns the most respect.

Starting a small business is seen as more impressive than holding a mid-level management job in somebody else’s company.

What makes them so successful?   The Jain Injunction that led to a code that emphasizes non violence and honesty.  The basis of their doctrine is that peace is essential for trade so merchants at all times avoid strife and provocation.  Trust and honesty remain so important that one of the firms does $1.8 billion a year of business all on words and handshakes with no contracts.

Other parts of the code are keeping a low profile and avoiding governments and banks.  Their doctrine leads them to acquire knowledge for practical goals mainly business goals and because of this code of fair trade and honesty, they are known as trustworthy.

This Economist report was so impressive to me, I am adding a lesson in our course “Self Fulfilled How to be a Self Publisher”, that you can  obtain below.

Honesty, peace and profit.  Now those are goals worthy of this New Year.

Gary

(1) www.economist.com – secrets worlds best business people going global

Live Well and Be Free

Here are 5 global income experiences and 7 business secrets that can help you live well and free anywhere.

I began my international business 50 years ago and have been creating and running international micro businesses since.

During that time my wife, Merri, and I have been able to live, work and earn all over the world… literally anywhere we wanted because of seven secrets we gained which we share here with you.  We have been blessed with global earning experiences that helped us make millions… but were also fun, such as with British Lordships.   See how one micro business helped us rub elbows with British Royalty below.

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One of Merri’s businesses that worked with British Royalty was featured in Doonesbury.

Global Earning Experience #1:  Lepers.  Our micro businesses have been fulfilling.  Merri started her international business in her 20s (long before she knew me) importing Italian clocks to the USA.  This earned so much ($80,000 in the first year) that she created other micro businesses helping orphans in the Yucatan and Haitian lepers (at the Albert Schweitzer Hospital) produce crafts she sold for them in the USA.

Excellent income ($80,000 in the 1970s was a lot of cash)…  incredible contacts… working with Dr. Larimer and Gwen Mellon who created the Albert Schweitzer Hospital in Haiti… and enormous satisfaction.  Merri still cries over 40 years later when she tries to speak of the gratitude of the lepers and her time and life in Haiti.

Plus she gained lessons that allowed her to live and earn… in many places and many ways.

Then we got together.

Global Earning Experience #2:  Lords.  Another of Merri’s ideas (in the mid 1980s) was to broker British titles to wealthy Americans.  We made a ton from that… even gained 15 minutes of fame when Gary Trudeau learned about this business and immortalized it by having B.D. Zonker buy a title!

What fun… profitable, plus stimulating, meeting and working with the Blue Bloods of Britain… visiting their castles… invited to their events and affairs.

Before I get ahead of myself, may I ask you a question?

Would you like to have a lifestyle and a front yard like this… almost a thousand acres of hacienda overlooking the Andes?

Would you enjoy living in two, three or even more places wherever and whenever you choose?  Would you be happier with more freedom, lack of debt, and a life of riches, adventure and travel?  Would you be glad to feel confident that you can discover interesting and fun business ideas again and again that not only bring in extra income but also help the poor and improve the environment?

If so then read on… because… that front yard above is ours in a remote Andean hacienda.  This is only one of several homes that we have gained (to live and use in business) from the secrets we’ll share below.

In the summer, we retreat to our 250+ acre farm high in the Blue Ridge mountains of North Carolina.  Here’s our front yard in these mountains and the view from my home office.

gary-scott-international-business

Home offices in all your homes are important by the way.  They are part of one global micro business secret and you’ll see why have two home offices (and using two cars in business) can save thousands in taxes.

When you have an international micro business that involves your home and car, the tax benefits are fantastic.

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A group of readers visiting our North Carolina home after learning how to gain freedom with a micro business.

You can also enjoy such a lifestyle because after years of search, I found business secrets that you can use and enjoy.

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Waterfall at our North Carolina Farm.  See enjoyable benefits of a micro business in water.

Global Earning Experience #3: Hospitality.  Here’s a hotel we owned and operated in Ecuador.  Once we sold this we joined the sharing economy and began offering rentals in our North Carolina cabins through AIRBNB and houses in Florida.  We became designated super hosts within months and are adding thousands of extra dollars to our income every month.  If you want to provide genuine care and hospitality you can be anywhere and beat out big businesses in your niche because big business has created an uncaring world and everyone craves care.

gary-scott-international-business

Having a variety of places to live is part of one of the secrets on how to earn more, have a better life with more fun, adventure and greater freedom.

Global Earning Experience #4:  Import-Export.   Here I am at our Florida house showing clients how to import.

gary-scott-international-business

I was wearing a hand tailored, made to order, high quality wool suit from Ecuador that could be imported into the US for as little as $135 .  Plus that Panama hat was made in Ecuador.  This is odd but true, all genuine Panama hats are made in Ecuador.  We import Ecuador roses year round as well, all from one of our tax deductible US home office.

Dozens-of-roses

The secrets we’ll share below are not about how to buy suits or flowers though.  The secrets show ways to make money (while helping others) marketing products and services wherever you are and much more…. globally.

Global Earning Experience #5:  Green Produce.   We have an orange grove and lake at our Florida home and

gary-scott-international-business

are among the first to test new organic ways to make citrus farming better for the environment and the consumer.  In North Carolina we cultivate Wild American Ginseng as well as aquafarm.

These are just a few of the business experiences that can help you have the freedom to earn globally.  They are shared in our emailed correspondence course, International Business Made EZ.   This course helps you learn how to earn and live wherever you choose!

The course teaches a system based on seven secrets so powerful that it creates money for you regardless of where you are:  in town, out of the country, traveling or even in places as remote as we live.

These secrets have worked for us in real estate… titles… tours… agriculture… clothing… hospitality… alternative health…  spirituality… printing… publishing and art businesses for Merri and me all over the world.

I searched for these elusive secrets of opportunity for over twenty years, looking for a way to gain incredible, outlandish, unbelievable profit potential.

I finally found them and after years of proof and would like to share with you.  The opportunity I sought had to be enormously profitable yet also safe.  It had to work in good times and bad and had to be flexible so it could evolve as times changed.

These were not the only standards.  I wanted to find unbelievable profit and high safety and freedom but also wanted this incredible investment to offer the ultimate tax shelter, something so perfect it would not be even a little bit questionable.  It had to be so tax foolproof that Congress would never change it. 

I wanted a tax shelter so good that it would be encouraged by the government.

I feared deep down inside that what I wanted was impossible.  Nevertheless, I scoured the world for over twenty years looking for it.  I looked in Japan, Hong Kong, Korea, Thailand, Indonesia and the Philippines.  But I didn’t find it in Asia.  I went to the Middle East and searched all over Europe… all across the USA and Latin America.  I hardly missed a country.  After twenty years and millions of miles, I guess I gave up.  Only then (as these things so often happen) was it that I found the best opportunity in the world.

This opportunity was not only perfect but I discovered that it was wherever I wanted it to be, in my own back yard, in Florida and our remote home in the High Country of North Carolina and our even more remote cloud forest home in Ecuador.

Merri and I have created a special program we call “Live Well and Free Anywhere” that makes it possible for you to enjoy extra income doing something you love.  You can gain full or part time and enjoy excellent profits as you have fun and do something good in the world.

My search stumbled on the fact that most millionaires make their money in business.  This discovery led to a study of rich businesses, ones that generate everlasting wealth.  Here are five of seven secrets we learned and have used in our  micro businesses:

Secret #1: They must enjoy the multiple effect.  A product once created must produce profits again and again, almost on a never-ending basis.  Each investment made needs to make huge returns.

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

Secret #3: These money making systems should be enjoyable and fun.  Sadly most people make money for the sake of making money.  Many spend their lives working, just to have a few precious hours having fun.  The most important fact about making and keeping wealth is that those who were richest absolutely love what they were doing.  Money is of secondary importance to their effort.  And as things are, this means they actually ended up making more money.

Secret #4: These money making systems need to be flexible.  No matter what the economy brings, your ability to make money should work regardless of inflation, recession or even depression.

Secret #5: These businesses usually start small, but grow quite large.  Good money systems work for large or for small amounts and can be operated on either a full or part time basis.  Most businesses start with a learning curve.  During that time it is essential they are small.  Once the lessons have been learned and the system is operating properly, then it needs to grow for larger and larger returns.

These secrets created a fantastic way to make money with my own international micro business doing what I love!

You too can have everlasting wealth by turning your passion into profit.

Before discovering these secrets I had a business but to be honest could never get ahead.  I was almost penniless, in debt and living from month to month, check to check.  Then I discovered these seven secrets…and how to apply them around the world.

Since then our international micro businesses have brought in millions.  We gained all the physical possessions we desired, plus more than enough money in the bank.

We do not have one penny of debt and we have leisure time… though when you love your business… why not work?

This is most important, we have fun and feel that we do something beyond just making money every day!  Merri and I do what we love and have learned that through our global business we can accomplish far more important goals, gain self fulfillment and be of service to our community.  In short we can help make ourselves and the world better.

Among our greatest thrills is being able to help others through foundations we have started that help the environment and the poor.

More importantly we have the freedom to do all this from many locations (some are remote-you have seen the pictures) that we really enjoy.

You too can have the freedom to do what you love from any place you like, even operating (actually preferably) from your bedroom, dining room or den if you wish.

What do you love? Rare cars?  You can make a fortune creating a business around them.  Do you prefer fine art? Or do you love beautiful jewelry, coins, gems, real estate, furs, model railways, dolls, scientific equipment, war memorabilia, old and rare books, or whatever?  Do you prefer social subjects rather than objects?

Are you concerned with the environment or humanitarian problems, with crimes, war or poverty?  Would you like to help wipe these social problems out in the course of your business?

Are you a golfer? Do you love to travel? Why not make all kinds of money in a global business related to golf?

Would you like to help the world be a more spiritual place, help people get along better together?  You can do something good for the world, increase your income and live wherever you please in the process!

Whatever your passion you can learn how to earn by creating an international micro business based on it.  You can be international if you love to travel or not.  Regardless of your skills and position there is some approach that will work for you.

Take fishing, for example.

I am no great aquafarmer, but the numbers and lifestyle work on a small scale.  We pay about $3.50 a pound to stock the fish, they double, triple, even quadruple in size and we sell them at a local butcher shoppe for a modest profit.   This is not a big deal, but does generate income, helps attract guests to stay in our rental cabins, puts some great trout dinners on our table and is a thoroughly enjoyable part of my daily labor.  I need this to counter balance sitting in front of a computer.

Over a couple of months the fish grow… a lot.

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We are lucky to have a perfect but natural place to raise the trout.  On busy holidays when our monster trout are in demand I have to work hard fishing at that pond.  Pity me!

merrily farms

This pond is just below our house, so raising the trout is EZ for me.

Millions of people love fishing but don’t have a pond.  This does not mean they cannot be involved in fishing.  Here are just a few of many ways that others have profitably matched this passion with profit.

Two of my friends, John and Lou, grew up near me in the Oregon mountains.  They were outdoor adventure types and moved to Canada, where they homesteaded 1,200 acres on a trout-filled lake in mid British Columbia.  They built a fishing camp that attracts fisherman from around the world.

Duncan Kinderman on the other hand loved fishing and castles.  He bought a castle on the River Tay, a great Scottish salmon river, and offered time shares for fisherman from Britain, Europe and the US.

Another entrepreneur I know was from Montana.  His skills were in marketing so he sold fishing trips for fishing camps.  He attended rod and gun exhibitions, met owners of these camps and arranged to sell their fishing trips to the US, Argentina and even in Russia to fisherman around the world.

Ralph Kylloe on the other hand loved fishing and photography so he created the book, “Fishing Camps”, which was published by Gibbs Smith publisher. This allowed Ralph to travel across the country enjoying fishing camps as he photographed and wrote.

Steve Ambrose, another friend of ours, had family commitments at home so he set up a bass fishing business in Florida that served Americans, Germans, Canadian, Dutch and Belgians.  Later as his children grew, he used his client base to arrange fishing trips in Argentina.

Each of these people had provincial backgrounds and differed in age, situation and skills.  Their common link, the love of fishing, led each to a global micro business.  Each was able to blend a unique nature and set of skills to develop a global business that surrounded them with fun, like minded fishing souls.

Also, imagine what an international business means to your world travel.  Every trip you take can be tax deductible!  You can honestly write off every trip that is related to your business.  Every journey becomes a research oriented adventure and a TAX DEDUCTIBLE EVENT. 

For example if you have your own business you can gain $12,976 by using two vehicles for business because  IRS Form 4562, which is filed by proprietorships and corporations, contains spaces for up to six vehicles.

There are similar benefits by having a second home office defined in IRS publication 463 and IRS publication 587.

These are huge tax benefits that can be gained when you have an international, at home,  micro business.

As a real international business person, you’ll have one of the most respected and tax protected businesses in the country.  Every country needs to do business abroad, and most governments have created many programs to encourage their citizens to do business overseas.  Many of those benefits come in the form of reduced tax.  Other benefits come in the form of legal protection and even subsidies and grants.

There is such an abundance of opportunity that Merri and I have created this program to help you have your own international micro business that can be managed almost anywhere.  This program is unique because Merri and I are unique.  We started our global business together.  Since we’re almost recluses, we decided to do the whole business by ourselves… thus we create micro businesses that do not require large staffs.

We began working at home.  Today, though we have tens of thousands of buyers and have made millions, we still work at home on our remote farms and employ only a few people to help.

You can do the same with a system contained in an electronic correspondence course called International Business Made EZ.   The course reveals all you need to know about how to start and run your own global business all by yourself.  It answers your questions and gets your business started!

Thousands have profited from this course which has been updated in its fifth edition.

For example, Ben, an investor from Pennsylvania used International Business Made EZ and wrote:

“Jam packed with vital information.  My head is spinning. Thank goodness this is all backed up by your manual. This is a true and cherished gift. Your tips on low cost business are a blessing!  Thank you once again for an outstanding course.  The value far exceeds the price.”

In just a week, you can be well on your way to income and freedom to live wherever you choose!  International Business Made EZ shows you how to take advantage of the five secrets mentioned above and the remaining two secrets below:

Secret #6: Look for ways to gain 1,000% returns in business.  The wealthiest families in the world today come from global businesses.  Learn how margins can be so incredible that few would believe them.  Learn how to use stories to make huge shifts in the value of products.  Take for example our friend Earl who is a dog trainer.  On a trip to Ecuador clay whistles in the market place were for sale at .35 cents each.  By calling them dog whistles Earl was able to sell them at $9.95,  a whopping 2,700% mark up!

Secret #7:  Create and market your product everywhere using niche marketing.  There are 11 steps to create the perfect product.  You learn them with International Business Made EZ.  Understand how to review ideas, test focus, aim at markets.  Learn where and how to get your data and get others to provide your marketing material for you almost FREE.

Learning how to market is the key to successful business. Knowing how to turn pennies into dollars is good marketing focus. International Business Made EZ gives you this winning marketing knowledge.

You’ll learn how to turn advertising dollars into a fortune.  You’ll learn how to create your own ads and when to use the internet… search engines… pay per click… classifieds, space ads, direct mail or word of mouth… even flea markets and roadside stands in some cases.

See how to build a PR list and social business network on the World Wide Web to gain thousands of dollars in free publicity.  I even share my most secret results on my marketing so you will know why sometimes you sell more units of a product at $49 instead of $29.

Learn how one couple used ads about retirement to supplement their retirement income and received free trips all over the world.

Learn how we have made money over the Internet (specific details, specific experiences, hard earned knowledge over the last 13 years!)  With an inexpensive computer you can easily run a business from home and still have tons of time left over – even if you are computer challenged.  Merri and I have certainly proven this.  We were one of the first to run a successful website and still rank high today even with millions of competitors.  The secrets in the course include a step-by-step approach.

Merri and I with our webmaster, David Cross, were leaders in beginning internet micros businesses and have sold millions over the web.  You gain ways to earn global income over the net from that experience as well.

At www.garyascott.com our emailed messages are regularly sent to over 20,000 readers.

You learn the income producing power of defined focus and immediate repetition to get good search engine rankings and sales.

You can earn successfully while living anywhere because people of all ages are doing this.  Technology wiped out any disadvantages of age and gender.  A USA Today article entitled “The new entrepreneurs: Americans over 50” explains that older business people often start one person ventures in home offices using technology that did not exist a few years ago.  The article gave an example of Franny Martin who launched a cookie company at age 56 and said she built revenues to over $500,000 a year.   Yet her web site which attracts cookie customers from around the world cost only $3,000 to build.

International Business Made EZ is arranged in an easy to understand style.  Everything is explained in vivid detail.  We share all, how we have done it ourselves.  The course is full of business ideas and case studies based on our 48 years of experience.

The course  describes on a step-by-step basis, how Merri and I built a multi-million dollar international micro business in just 7 years and how you can do the same.

Terry T., an attorney from Germany took the course and enjoyed this fact when he stated, “What I like most is that it is a nuts and bolts course-not pie in the sky.

Learn How to Gain Total Security.  Learn how and why the global economy makes employment riskier because change is no longer an option.  See ways to become and agent of and profiteer from change never a victim of change.

Learn How to Perfect a Lifestyle.  Living as you choose is important because life is short.  Fortunately matching what you love with what you do in business actually increases profits.

George K an MD from California confirmed this when he wrote:

Your course helped me to crystallize and clarify ideas I’ve been considering that relate to my interests in writing, travel and ecology.  They showed ways to combine them in a personally engaging and potentially profitable way.  I especially appreciated the practical advice on organizing and marketing-turning ideas into products that sell and make a profit.”

A retired railway executive from Michigan picked up on this aspect and said more.

“Your course opened my eyes to the merits, profits, and prestige of becoming an international businessman, particularly the idea of doing business in Canada for distribution in the U.S. (for total tax protection).”

Learn How to Market your Product.  Learn truths that rule the market place.  Gain knowledge on subjects like… How to Make the Truth Exciting. Create your own Sales Story…  How to Deal With Cultural Differences…  How to Build Global Lists and Use International PR…  How to Spot the National Psyche and Quadruple Profits With Multimedia Marketing…  How to Choose Businesses as Pioneers or as Settlers.

Tom K., an engineer from Ohio, cashed in on this idea and wrote, “Basically, I learned the selling and marketing implications.  The course is absolutely worth the price!”

Learn  How to Obtain What You Need from the Net.  How to Use the Web to Reach your Market.  How to develop your site, target your market and start getting visits. The top ten Internet tips to use, the top ten traps to avoid, and many other lessons our Webmaster has used in his many years on the net. This system is so simple anyone can use it.

“Thank you for taking the mystery out of business and bringing it down to the ham and eggs level.” L – Chiropractor – Oklahoma”

Learn the Importance of Business Evolution.  It is vital to success and fulfillment that your business has balance and grows in harmony.

Rachel B, a housewife from Washington, enjoyed learning this fact and told us, “The idea of starting at the lowest cost level was terrific.”

Learn How to Set up Your Banking Structure.   Learn all you’ll need about the financial end: How to control inventory, keep overheads down, check ad results and stay on top of your business.  Learn 11 hazards to avoid and tricks to stay profitable without a daily accountant.

International Business Made EZ contains all these secrets and more.

One delegate, Ted T. a publisher from California said:

“Your course is outstanding! Just two hours of study alone were worth more than the price.”

While Kelly, a business woman from Atlanta, explained:

“It was great going through your steps, being 100% honest without fear of giving trade secrets since you have paid the price (to gain this knowledge).”

Who is helped by International Business Made EZ?

This correspondence course is for those who would like their own international micro business for fun and profit.

Business people or professionals who want to add an extra profit center to their business or who want to change their business entirely will benefit.  Those who want more control over their career can profit.  Plus those who love global travel and want to turn their trips into profitable tax deductions!

Your tax savings in a year can be worth ten, twenty even 100 times the cost of International Business Made EZ.

Even older entrepreneurs are taking advantage of technology.  One of our friends and clients, Mickey E., was a 72 year old real estate broker, when she began a small global business.  With just a computer and internet, she created publications that attracted English real estate buyers.  This allowed her to become a top sales person in the biggest real estate firm (selling over a billion dollars of real estate a year) in town.  She later used the tactics she learned to move to Ecuador (in here late 70s) and start a micro business there.

If you want fun, freedom, extra income and fulfillment with your own full or part time international micro business, or want to build your existing business, you can profit by International Business Made EZ.

This course is also for couples who want their own business or who want to have a business together or a family business.

This is the perfect course for those who can no longer find employment, who are looking for ways to earn abroad and who wish to retire and supplement their income.

An employed couple from New York wrote, “We found the course interesting and informative.  We were inspired to start work on an international project.  When we came down, we had no idea on what to do.”

There is nowhere else to gain such a unique network of information and help.  We have a successful international business with over 20,000 readers in dozens of countries so you gain practical current business contacts that are active now.

Are you interested in a global micro business?  It can be small and part time mainly to gain prestige, fun and tax benefits.  It can be full fledged and rake in thousands a day.  If so, International Business Made EZ is an absolute bargain.  Our goal and guarantee is that you will be able to start and run your own global micro business.

If you are not fully satisfied in any way,  just tell us within 60 days and we’ll send you a 100% full refund with no questions asked.

Whether you are retired, an investor, chiropractor, doctor, dentist, professional or already own your own business, this offers another way to make money, to turn your passion into profit. We guarantee that we have shared all we know to help you start and run your own international business.  Enjoy and live a life of following your Passion to Profit… through an International Business.

To order International Business Made EZ and the entire “Live Well and Free Anywhere” program for $299.  Click Here.

Your Friend,

Gary Scott

Others who have used thus course wrote:

“The course gave me insight on what to do with widening my client base.” M – Real Estate Broker – Florida

“The course helped me in several ways. #1: To realize that it is not only OK but preferable to start small. #2: I feel I have a workable program to have my own newsletter-my own passion!” T B – Professional, Washington

“The course fulfilled all my expectations providing all the details necessary to start a business from creating the idea, through marketing including the systems necessary to implement our ideas.” B C – Chiropractor – California

“The first thing that strikes you when you start this course is how quickly and simply Gary cuts through many of the common misunderstandings about doing business internationally.  In fact anyone with even a small local business could learn a wealth of practical marketing and sales strategies and tips through International Business Made EZ.”

More Comments from Readers

“I completed International Business Made EZ in a (long!) weekend and – unlike many business books and courses – I didn’t fall asleep whilst reading it! I found it helpful to refer back to whilst I put my business ideas into action and the business and banking contacts in the course were worth their weight in gold.”

“There is a lot of rubbish written about business and ‘get rich quick schemes’ and I seem to receive some sort of junk mail or spam e-mail most days trying to sell me a ‘get rich quick’ idea, but I found Gary’s course genuinely different.”

“Firstly, the International Business Made EZ course is written by someone who has tried and proven his international business and then chose to share those practical examples in a course rather than as ‘pie-in-the-sky theory’. Secondly, although the course would show even hard-nosed, skeptical business people a few things about doing business internationally, it is written in a completely unassuming and open way and this makes it easy for anyone to gain maximum benefit in the minimum amount of time from the course.”

This electronic “International Business Made EZ” costs $299. You gain incredible education and the importance of the knowledge for you and your family’s wealth.

The course is so complete Merri and I extend our “no fooling around-complete satisfaction guarantee” and a special offer because “International Business Made EZ” is only one small part of the special program we have developed for you.

Here is the first part of the special offer.  We provide two emailed courses… “International Business Made EZ”,  and “Self Fulfilled – How to Write to Sell and be a Self Publisher”.

We include the “Self Fulfilled Writing and Self Publishing Course” because there are two reasons to write, when you have something to say or when you have something to sell.  In this day and age many of us want to do both, make a statement that makes the world a better place and earn something extra in the process. 

Whatever your passion, however you do business, chances are you’ll be writing either to create a product or to sell a product. 

Merri and I use writing and self publishing in our business.  We have earned as much as $20,000 for a single day’s work… and have earned consistently year in and year out… while we do what we love… because of a few secrets.  We write to be self fulfilled… to share what we have gained from living, working, investing and writing all over the world.

We wanted to share these secrets so we created a Self Publishing “Writer’s Camp” weekend seminar.  We offered the course for $1,500 and were surprised when 80 delegates enrolled.  People from all walks of life attended—chiropractors, businessmen, investors, doctors, realtors, inventors, airline pilots, engineers, and housewives.  Those who attended love the seminar.

Merri and I were so overwhelmed by the response, we decided to make it available to a larger audience.  We created a written course based on our current self publishing activity.  Then we recorded the weekend “Writer’s Camp” seminar.

Thousands have used the course as it has evolved over the decades.

You receive both the written course and the recorded weekend seminar, in an MP3 file, in the “Live Well and Free Anywhere” program I am making available to you.  The normal fee is $299 for each course (and $299 for the recorded workshop).   We’ll send both courses and the recorded Writer’s Camp to you by email for $299.  You save $598.

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

Does that sound fair enough?

To order International Business Made EZ and the entire “Live Well and Free Anywhere” program for $299.  Click Here.

Well actually you save more than $598.  You also receive a recorded webinar conducted by our webmaster David Cross (at no extra cost).

David-cross-images tags:"2012-4-20"

David Cross

David has been our webmaster since our website began in the 1990s.  He is Merri’s and my business partner. We could not run our business as we do without him.

You can learn the tactics we use in our web business that condenses 27 years of practical experience about search engine optimization, and writing for search engines.

For the last 27 years David has worked with companies large and small – IBM, Agora Publishing, AstraZeneca and many small business owners.  He has worked in 22 countries, and lived in six of them.

David’s clients span the globe and represent companies and charities both large and small.  From corporate giants to small, one-woman businesses and everything from finance, healthcare, publishing, technology, real estate, veterinarians, alternative health centers and everything in between.

David is an essential part of our web based business and Myles Norin, CEO of Agora, Inc.  wrote:  “I have found David’s knowledge and experience unmatched in the industry.  Without David’s expertise and guidance for the past 7 years, we would not be nearly as successful as we are.”

As Senior Internet Consultant to Agora Inc. in Baltimore, MD, he worked closely with Agora’s publishers and marketers and – over a 7-year period – helped to propel Agora’s online revenues from around $20 million to well over $300 million.

David’s webinar will help you gain benefits in your micro business that large internet marketing companies use.  In this practical recorded workshop you will learn valuable skills to help your micro business.

There has never been a time when the opportunity for small businesses abroad has been so outstanding.  Expand your borders now!  Increase your economic security freedom, independence and success.

If you are not fully satisfied that this offers you enormous value simply email us for a full refund within 60 days.  You can keep all three courses as our thanks for giving our courses a try.

To order International Business Made EZ and the entire “Live Well and Free Anywhere” program for $299.  Click Here.

Fair enough?

There is still more.

You also receive a report  “How to use Relaxed Concentration to Brainstorm Business Ideas” and a recorded workshop “How to Become and Remain Rich With Relaxed Concentration” at no additional cost.

Plus you get more in the program.

You receive the Report, “How to Finance a Small Business Overseas” (no extra fee).

Merri and I have always preferred to start our micro businesses  through cash flow.  However in the early the days of our business I found myself raising extra capital several times.  I have also helped numerous businesses raise money to get started.  This report shares several experiences to give a thumbnail sketch of how to raise money abroad.

In addition you receive any updates we make on any of these courses reports or recordings, free for a year.  Businesses usually need to evolve.  Merri and I continue to publish and have our independent businesses.  Some basics have remained for decades, but new strategies occur all the time throughout the year.  We’ll be sending along updates that share our most recent experiences as we learn and continue to grow our international micro business from Smalltown USA.

Finally a conclusion.

My special offer to you in this “Live Well and Free Anywhere Program”, is that you receive:

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

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

To order International Business Made EZ and the entire “Live Well and Free Anywhere” program for $299.  Click Here.


Buffet’s Small Value


Today we are looking at why Warren Buffet (and we too) value small  at the Positive Community Magazine publishing training workshop we are conducting in Eustis, Florida.

lansing

Aerial Photo of Lansing, NC by Tom Fowler (http://www.tomfowler.net)

We love Smalltown USA.  Our smallest town in North Carolina. Lansing population pushing 200.

You can see why we love small from excerpts in a USA Today article entitled “Buffets Love for papers “unnatural”? No Way” by Rem Rieder.

Rieder is editor and senior vice president of American Journalism Review.

Buffet’s quotes sum up the philosophical foundation of our Positive Community News magazines.

Here are excerpts from this USA Today article:  Buffett admits an ‘almost unnatural’ newspaper love

So what’s up with Warren Buffett — the savviest of the savvy when it comes to money, the Oracle of Omaha himself — enfolding the much-maligned relics in his warm embrace?

In his closely watched letter to shareholders released Friday afternoon, Buffett devoted a substantial chunk to newspapers: why he was buying them, why he would continue to buy them and why that made sense.

He even said that he loved them.

Buffett wrote that he and Charlie Munger, vice chairman of Buffett’s holding company, Berkshire Hathaway, and his right-hand man, “believe that papers delivering comprehensive and reliable information to tightly bound communities and having a sensible Internet strategy will remain viable for a long time.”

Buffett’s emergence as newspapers’ cheerleader-in-chief represents a remarkable turnaround. True, the legendary investor has owned Washington Post stock for years, and he purchased The Buffalo News in 1977. But four years ago, Buffett famously said newspapers faced “unending losses” and that he wouldn’t buy them “at any price.”

Next thing you know, he acquired his hometown Omaha World-Herald in late 2011. Last year he purchased 63 dailies and weeklies from Media General (significantly, he passed on acquiring its largest paper — more on that later). This year he’s adding the Tulsa World and North Carolina’s Greensboro News & Record to his portfolio. And he’s not stopping the buying spree anytime soon.

So what happened to not “at any price”? Buffett laughs heartily when I ask him that question in a telephone interview. “I shouldn’t have said ‘at any price,'” he replies, adding, “Those prices did come down a lot.”

Clearly the bargain-basement price tags of newspapers in today’s market have a lot to do with his shift. After all, this is a man who loves to buy when there is blood in the streets. And despite all of the gloom and doom, many newspapers remain profitable, although far less so than in the glory days.

It’s also crucial to keep in mind that Buffett’s love of newspapers, while deep, is not indiscriminate. He likes small and medium papers but has zero interest in picking up large metropolitan papers.

Here’s why:

To flourish in this era, Buffett says a newspaper “has got to be indispensable to a significant proportion of the community. It’s hard to do that in Los Angeles.”

He continues that a successful newspaper must provide material that is important to its readers and that they can’t find elsewhere. “You can define that better in a smaller city than in a sprawling metro area.”

Despite his passion, Buffett is a money guy, not a dewy-eyed sentimentalist.

Remember, the goal is to make the papers indispensable.

While community newspapers are dwarfed by Buffett’s big-ticket holdings — Berkshire Hathaway and 3G Capital recently acquired the food giant H.J. Heinz — his enthusiasm for them is palpable. And he clearly believes that if you buy the right ones, and run them properly (making them indispensable), they remain sound investments as well as objects of affection.

Buffet ends the article saying: “It’s almost unnatural how much I love newspapers.”

Gosh, Merri and I feel the same….See three ways we can help you learn how to earn through writing and publishing.

Gary

Learn how to write to sell with our online course “Self Fulfilled – How to be a Self Publisher”.

Learn how to publish a small positive community magazines. Order a FREE report here.

Writer’s Camps – Recorded on MP3

Learn how to learn how to wrote and self publish from our recorded Writer’s Camp…

Seven P Secrets of Self Publishing

Here are seven secrets that can help you earn as a writer and self publisher.  

gary scott

When you write, you can work anywhere.  Here I am working in my greenhouse.

Gain the freedom  to earn everywhere, while living anywhere you choose.

These seven secrets are important because growing numbers of unknown writers have become famous writers and rich by self publishing over the internet.

Take for example Amanda Hocking.  After self publishing her first book at Amazon.com in the spring of 2010 she became one of the the best-selling e-authors. In the next year her book sales grossed approximately $2 million.

In 2011, St. Martin’s press paid Hocking more than $2 million for the world English rights of a four book series.  In 2013 she sold another series to St. Martin’s Press.

E.L. James is another such story.  She sold 250,000 copies of “50 Shades” via Createspace and Amazon.com before publishers noticed her and published the erotic romance trilogy Fifty Shades of Grey, Fifty Shades Darker, and Fifty Shades Freed which sold over 70 million copies worldwide, setting the record as the fastest selling paperback of all time.

Hugh Howey is a third example.  He was working for $10 an hour in a book store when he self published his novel Wool, typing in a storage room during his lunch breaks. Soon he was earning over $100,000 a month on Amazon. This helped secure a six-figure book deal from Simon & Schuster, and an option for film by Ridley Scott, director of Blade Runner and Alien.

Hugh Howey

I know Hugh.  Sometimes we get together at my  farm and play chess (he beats me badly).

These writers are great inspirations.

Hugh’s success could not happen to a more deserving and talented person.  He pours enormous energy into being worthy of his readership.

Neither you or I are likely to have this type of success. The good news is… we do not need this type of success to have a rich and fulfilled lifestyle.  Self Publishing offers so many opportunities that one can have a life that most people only dream of as a journeyman writer, instead of a super star.

May I hastily add that the path to stardom begins as a journeyman… so the journeyman’s path brings success without stardom… but can also lead to stardom.

What most success stories like those of Hugh Howey or E.L James or Amanda Hocking rarely explain how many hours of writing each devoted before their self published book sales soared.  They were journeymen first… stars second.

The sevens secrets are the journeyman secrets… call them a writer’s armory of tools that allows almost anyone to create successful publications for income and fulfillment.

Take Merri’s and my publishing business as an example.  

Merri and I are not writing stars.  We are journeymen who have for more than 40 years, year in a year out, earned solid income writing and self publishing dozens of publications about multiple subjects.

Some years that income has been more than solid… over a million dollars.  Yet in terms of stardom, we are hardly known.

In a moment you’ll see why that’s fine for us and probably for you too.  First some history.

Merri became involved in self publishing over 40 years ago… first helping a veterinarian publish a book on a very specific market… animal acupuncture. Then she showed a needle point artist how to sell more books to an even more specific audience… “needle point enthusiasts”  about her needle point work to an audience larger than the population of the city she lived in.  This led Merri to eventually become Executive Editor of an award winning magazine in Florida.

My story allowed Merri and me to work and live from Hong Kong to London to Europe to Eastern Europe, then the Caribbean and then Ecuador… making millions in the process of following our adventures… having fun… while helping a large readership adapt to a rapidly changing world.

That’s what self publishing can bring, profit, adventure and fulfillment, a great feeling of worth and wonder.

Self Publishing has created exactly the lifestyle we desire allowing us to span the world and work with meaning and purpose.

Self Publishing has become a new business art form and the seven secrets can help you start your own self publishing business now.

Everything in publishing is new and exciting and changing.  Publishing is being recreated by the wonderful power of destructive technology.  Everything seems new… except the seven secrets.  Change in the publishing industry is disturbing many.   We love it due to these seven secrets we call the 7Ps.  The 7 Ps are so fundamental to writing and publishing that new technology enhances rather than reduces their power.

The First P is Passion.

Whatever your passion, you can immerse yourself in it AND create income with self publishing.  This can be your direct ticket to the kind of fulfillment you’ve always wanted in life. Whether you want to travel the world or live as a recluse, work 12 hours a day or not work much at all,  you can set your schedule to succeed, if you’re willing to learn these seven secrets on writing to sell.

You can start part-time with any dream, passion, and budget.  Once you’ve created a product, you’ll enjoy the “multiple effect” of producing profits over and over again.

So the question is… What do you love to do?

What’s Your Passion:  An example is that thirty years ago, a client of Merri’s had a passion to help people who were in pain?  He published a series of pamphlets explaining various chiropractic disorders in very simple terms.  For example: “What Is Whip Lash?”

The pamphlets contained solid information, but were simple 5″ x 7″ brochures with drawings and explanations. He sold them with a rack to chiropractors, who put them in their offices for patients to read.  These little self-published items sold year in and year out for decades.

There are thousands of ideas of this sort that can lead to big business.  It’s just a matter of defining and then acting on your passion.

Although I can work when I please and go where I wish, for me the most important reason for being a publisher is the satisfaction it brings.  I love the projects I take on, so work doesn’t feel like, well… work.

I’m passionate about investing, so I write and self publish ideas about investing.  Merri and I love Ecuador… so we wrote about Ecuador.

What do you love?  If you love golf, then you can write and sell publications about golf.  Love travel, fishing, dogs, dolls, or art?  Write and sell publications in these fields.

Are you concerned about crime, war, poverty or environmental issues?  You can publish information products that help reduce these concerns.

Would you like to help the world be a more spiritual place?  Publish a newsletter, write a book (or hire someone to write it for you), record a tape… publish something that enlightens people.

Whatever your passion, you can immerse yourself in it and earn income by publishing for ereaders, print on demand, CDs, lists, bound books, or any format you choose.

This is why stardom is not the main goal for most writers and self publishers.  To be immersed in our passion and get paid well for it.  That usually enough.

The seven Ps are:

#1: Passion

#2: Problem

#3: Person

#4: Profitably Priced Product

#5: Prospecting Pathway

#6: Promise

#7: Presentation

In 1974,  I had a business that never got ahead. I was almost penniless, in debt and living from hand to mouth.  Then I discovered these seven secrets.  They helped me write and sell book after book and report after report.  Since then, our self publishing business has brought in millions.

One key to building a successful self publishing business is to use the Golden Rule of Simplicity and the 7Ps to create your publication.  The premise behind the Golden Rule is that if you have a passion… you have a problem.  Your problem is a desire to fill.

The Golden rule of writing uses a writer’s desire as a compass to direct the creation and sale of the publication.

Here is the Golden Rule of Simplicity:  Your Desires Are in Others.  Your Desires ID Markets.  Your Habits Reveals Pathways.  Your Emotions Create Stories.  Your Demands Create Publications.

This creative pathway works whether your publication is written by hand and sold on the street corner or published for Kindle at Amazon.com. These simple but basic fundamentals guide the creation of your works whether you use the most sophisticated equipment and algorithms  or are totally low tech.

The first time I exposed others to the secrets in Self Publishing was in a weekend “Writer’s Camp” seminar.  We offered the camp for $1,500. 80 delegates enrolled.  People from all walks of life attended—chiropractors, businessmen, investors, doctors, realtors, inventors, airline pilots, engineers, and housewives.

Merri and I were so overwhelmed by the response, we decided to make it available to a larger audience.  We created a written course based on our current self publishing activity called “Self Fulfilled – How to be a Self Publisher.”  Then we recorded the weekend “Writer’s Camp” seminar.

Thousands have used the course as it has evolved over the decades.

You can receive both the written course and the recorded weekend seminar, in an MP3 file, in a special “Live Well and Free Anywhere” program I am making available to you.  The normal fee is $299 for the written course and $299 for the recorded workshop.   I’ll send you both the course and the recorded workshop and my course “International Business Made EZ (also $299) all for $299.  You save $598.

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

These courses are not theoretical.  They describe, step-by-step, how Merri and I built a million-dollar international business and how we are running this self publishing business right now.   We use the 7Ps today just as we did four decades ago to create a strong annual income.

This correspondence course is for those who would like their own international self publishing micro business for fun and profit. If you want fun, freedom, extra income and fulfillment with your own full or part time writing or want to build your existing business, by writing to sell you can profit from this course.  The course can help who want their own business or who want to have a business together or a family business.  This is the perfect course for those who can no longer find employment, who are looking for ways to earn abroad and who wish to retire and supplement their income.

Whether you are retired, an investor, chiropractor, doctor, dentist, professional or already own your own business, this offers another way to make money, to turn your passion into profit. We guarantee that we have shared all we know to help you start and run your own international business.  Enjoy and live a life of following your Passion to Profit… through writing.

Here is a special offer.  We provide two emailed courses  “Self Fulfilled – How to Write to Sell and be a Self Publisher” and “International Business Made EZ”.

We include the “Self Fulfilled Writing and Self Publishing Course” because there are two reasons to write, when you have something to say or when you have something to sell.  In this day and age many of us want to do both, make a statement that makes the world a better place and earn something extra in the process. 

Whatever your passion, however you do business, chances are you’ll be writing either to create a product or to sell a product. 

You save more than $598 because you also receive a recorded webinar conducted by our webmaster David Cross (at no extra cost).

David-cross-images tags:"2012-4-20"

David Cross

David has been our webmaster since our website began in the 1990s.  He is Merri’s and my business partner. We could not run our business as we do without him.

You can learn the tactics we use in our web business that condenses 27 years of practical experience about search engine optimization, and writing for search engines.

For the last 27 years David has worked with companies large and small – IBM, Agora Publishing, AstraZeneca and many small business owners.  He has worked in 22 countries, and lived in six of them.

David’s clients span the globe and represent companies and charities both large and small.  From corporate giants to small, one-woman businesses and everything from finance, healthcare, publishing, technology, real estate, veterinarians, alternative health centers and everything in between.

David is an essential part of our web based business and Myles Norin, CEO of Agora, Inc.  wrote:  “I have found David’s knowledge and experience unmatched in the industry.  Without David’s expertise and guidance for the past 7 years, we would not be nearly as successful as we are.”

As Senior Internet Consultant to Agora Inc. in Baltimore, MD, he worked closely with Agora’s publishers and marketers and – over a 7-year period – helped to propel Agora’s online revenues from around $20 million to well over $300 million.

David’s webinar will help you gain benefits in your micro business that large internet marketing companies use.  In this practical recorded workshop you will learn valuable skills to help your micro business.

There has never been a time when the opportunity for small businesses abroad has been so outstanding.  Expand your borders now!  Increase your economic security freedom, independence and success.

If you are not fully satisfied that this offers you enormous value simply email us for a full refund within 60 days.  You can keep all three courses as our thanks for giving our courses a try.

You also receive a report  “How to use Relaxed Concentration to Brainstorm Business Ideas” and a recorded workshop “How to Become and Remain Rich With Relaxed Concentration” at no additional cost.

Plus you get more in the program.

You receive the Report, “How to Finance a Small Business Overseas” (no extra fee).

Merri and I have always preferred to start our micro businesses  through cash flow.  However in the early the days of our business I found myself raising extra capital several times.  I have also helped numerous businesses raise money to get started.  This report shares several experiences to give a thumbnail sketch of how to raise money abroad.

In addition you receive any updates we make on any of these courses reports or recordings, free for a year.  Businesses usually need to evolve.  Merri and I continue to publish and have our independent businesses.  Some basics have remained for decades, but new strategies occur all the time throughout the year.  We’ll be sending along updates that share our most recent experiences as we learn and continue to grow our international micro business from Smalltown USA.

My special offer to you in this “Live Well and Free Anywhere Program”, is that you receive:

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

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

To order International Business Made EZ and the entire “Live Well and Free Anywhere” program for $299.  Click Here.

See success stories from Self Publishers and a few who have attended the “Writer’s Camp” you can hear on MP3.

 

Read entire article on Buffett admits an ‘almost unnatural’ newspaper love

 

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Organic Micro Business Opportunity


An organic micro business opportunity has three benefits.

organic-farmers-market

Organic micro businesses are thriving in…

organic-farmers-market

farmer’s markets all over the world like this one in West Jefferson, North Carolina, Smalltown USA.

So let’s share two organic micro business case studies.

There are three reasons why organic micro business ideas are good now.

First… this type of business is in tune with the times. Your chances of success are enhanced by a growing awareness (and willingness to pay for) good food. Home grown food evokes nostalgia, a powerful marketing force in tough times.  The idea is that “people want what they perceive they have lost”.

Recognizing what you feel you have lost,  is a way to to earn income wherever you live.

Problems create opportunity.

Having lost something is a problem.

Since each of us represents a unique market… if we can understand what we feel we have lost… we can understand a problem that many others also feel.

Second… an organic micro business is good business beyond the bottom line. Organic farming provides a sustainable… long term benefit  for your customers… your land and your own body.   Getting out and working in the earth can help balance health.

We need to treat our bodies and this earth better!

Third… an organic micro business can be fulfilling.

Many of us have become so dependent on society that…  as we see the infrastructure around us crumble we feel apprehensive.  We move around day by day followed by a niggling black cloud.

We have lost simpler times… when we were not so dependent on a system that is so far beyond of our control.

For example, if for any reason the internet does not work… I am out of business.

If for any reason the national food distribution system stops, I cannot eat.

If for any reason, gasoline supplies are cut off, I cannot travel.  Etc. Etc.

Access to these supplies are beyond my control.

That is one reason that we moved to an isolated North Carolina  farm 13 years ago.. a survival place… where we also love to be even though the system we depend upon is working fine.

I would like our farm to be more independent and sustainable.

The growing risks of a social economic systemic meltdown have created a window where the past and future have come together.

We perceive we have lost a simple, independent life.  In the future we may need to be more independent again.

So we can logically ask, “What needs for the future are now here?”

Here are five “the future is now” investing and business trends that have merged. They seem to have a bright future.

#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 specific 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.

An organic micro business can tap into all five of these trends and I believe that anyone who invests or has a business in them  has great potential.

Here are two “here and now” case studies about this that relate to organic micro business opportunities.

Organic Micro business Case Study #1:  Amazing Cucumbers.

Yesterday Ted Tidwell who manufactures Organic Bio Wash, which I have written about often, sent me this note.

“In a non-BioWashed 100′ by 100′ area, the normal cucumber yield is 30 buckets. Mike Doyle’s greenhouse grower in Alberta, Canada,  BioWashed a 100′ by 100′ area. It produced 140 buckets!!!!

“His grower diluted our new BioWash100 at the rate of one (1) ounce per four (4) gallons of water and sprayed his vines at ten (10) day intervals.  His vines did not grow as long as normal. Instead, the energy increased his yield over 400%.  Needless to say, Mike now has an excited group of growers seeking his product. His new business is booming.”

This case study presents two opportunities… first growing organic foods.  Second… exporting and selling Bio Wash. You can get details about this from Ted Tidwell at tedtid7@yahoo.com

quinoa-recipe

You may want to grow some organic cukes of your own because cucumbers are a healthy fruit from the same family as pumpkin, zucchini and other squashes.

100 grams of cucumber has

•    Vitamin A 180 I.U.
•    Niacin Trace
•    Vitamin C 9 mg.
•    Calcium 32 mg.
•    Iron 1.8 mg.
•    Phosphorus 27 mg.
•    Potassium 80 mg.
•    Carbohydrates 17 gm.
•    Calories 70

Some of the reported health benefits include

•    Cucumber is best natural diuretic known, secreting and promoting the flow of urine.

•    Helps in kidney and urinary bladder disease.

•    Liver disease

•    Pancreatic disease

•    The potassium content of cucumber makes it highly useful for conditions of high and low blood pressure.

•    Cucumber contains erepsin, the enzyme that helps to digest protein.

•    The high silicon and sulphur content of the cucumber is said to promote the growth of hair, especially when the juice of the cucumber is added to the juice of carrot, lettuce and spinach.

•    A mixture of cucumber juice with carrot juice is said to be beneficial for rheumatic conditions resulting from excessive uric acid in the body.

•    Cucumber juice is also valuable for helping diseases of the teeth, gums, especially in cases of pyorrhea.

•    The high mineral content of this vegetable also helps to prevent splitting of nails of the fingers and toes.

•    Cucumber, radish and bitter gourd are beneficial in diabetes.

Here is a great recipe for quinoa tabouleh with cucumber (from Jean Marie Butterlin)

Bring equal volumes quinoa and water to a boil, reduce to a simmer, cover, and cook until all water is absorbed. Amaranth takes about 10-12 minutes and quinoa 12-15 minutes. Experiment to find the texture you prefer.

Let it cool to room temperature and then add thinly cut  tomato, thinly cut  red onions, olive oil, lime and lemon juice, plenty of cilantro with salt and pepper and lots of diced or sliced cucumber.  See more about quinoa and quinoa tabouleh here.

See tomorrow’s message for the second Organic micro Business Case Study #2.

Gary

Learn more about bio wash at our Quantum Wealth course in West Jefferson North Carolina, June 24 to 27.

How We Can Serve You

How to Have Real Safety

Regain Real Security

There is a path to true security.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

However he had already moved on.

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

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

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

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

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

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

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

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

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

A PIEC Experience

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

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

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

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

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

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

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

#1: Do What You Love!

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

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

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

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

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

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

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

But where do we start?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

#3: Integrate your earning and investing. 

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

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

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

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

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

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

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

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

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

Plus there are broken promises.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Multi dimensional opportunity earns in numerous ways.

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

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

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

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

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

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

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

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

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

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

That was a deal that few overseas investors could refuse.

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

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

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

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

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

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

Three Layer Financial Plan

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

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

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

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

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

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

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

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

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

#4: Find your Anchor of Value.

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

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

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

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

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

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

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

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

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

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

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

The story contains three valuable tips.

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

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

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

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

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

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

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

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

The Fever

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Most passive country index ETFs have minimal cost structures.

#5: Keep costs down. 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

We should know what all our fees are.

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

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

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

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

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

We offer two courses for attaining financial security.

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

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

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

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

Learn Slow, Worry Free, Good Value Investing

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

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

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

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

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return

#7:  Market history

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Save $457.95 if You Act Now

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

Triple Guarantee

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

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

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

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

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

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

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

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