Inflation problems can destroy your wealth faster than just about any other economic problem. Today in the US , inflation has destroyed the penny. Prices have risen so much that pennies just no longer count and most places have a little jar filled with pennies and a note; “Take a penny – Leave a penny.” The penny has so little value that Congress has had to pass a law against melting them down since the materials in them are worth more than as a coin.

Well…I do not think we have seen anything regarding inflation yet. Soon enough we could be seeing that jar say…”Take a dollar – Leave a dollar.” That’s the problem with inflation.

We may not have to wait long for inflation to run away either. This especially places those of us who are ready at the age where we can think “retire”. Inflation can destroy retirement.

At our most recent seminar in Ecuador , one American delegate told me how he had retired and moved to live

in Thailand where he could beat inflation by enjoying the wonderful low cost living. Yet “now” he told me, “I have seen my US dollar pension lose 20% of its purchasing power in just one year”.

Another businessman who outsources some of his labor wrote asking how to protect his income. His Indian outsourcers are raising the fees they charge due to the falling greenback.

Yet inflation will probably grow, and the dollar is likely to fall even more when 60 million baby boomers retire and start drawing on Medicare and Medicaid. (This is just a few years away.)

One way to beat inflation and a falling dollar is to become a multicurrency investor. This is why we offer a multi currency educational service now. See

Yet, for most investing, will not be enough…inflation will be too high…capital not enough … skills too small.

The rest will see their pensions and social security severely squeezed by inflation, leaving these people with one of five other non investing options:

#1: Move to less expensive areas within the US

#2: Export their retirement

#3: Live in near poverty

#4: Die

#5: Keep working

We are have been expanding our International Business and Self Publishing educational efforts to help those who are falling into the “Keep Working” category or who are like us are Wanting to Keep Working!

Some will be like Merri and I. We would never think of retiring because we love what we are doing…much better than fishing, gardening or golf! Others might have to work.

Whatever if you are going to work to beat the ravages of inflation, why not make it profitable, fulfilling and fun?

To make our service better we are souping up our self publishing workshop, working with AWAI (American Writers & Artists Institute) and creating strategic alliances so in 2008 we’ll be in a better position to help our delegates enjoy the freedom of a global internet business like ours.

We have also added Steve, our man in Ecuador , to beef up our ability to serve those who attend our Ecuador import-export courses which he leads. With 18 months of teaching and working with our delegates, he proudly is experiencing great success among our course graduates!

Now to help those who wish to have your own internet business we are incorporating Michelle Toole into our program.

Michelle developed her internet only business after accepting our earlier invitation to attend one of our workshops last year. She is providing an internet support system that helps readers who take our self publishing workshop.

We have asked Michele to give you a multi part series on how to use SBI to develop internet business.To read Michelle’s first two lessons go to and

Here third lesson in this series is below.

Until next message, may you always have more dollars than you need to take..


Learn how to join Merri and me at the AWAI Self Publishers workshop we will conduct.

Or enroll in our Self Publishing Correspondence Course

Here is Michele’s third lesson:


So, how do you come up with a Site Concept for your new website?

When trying to develop your Site Concept for your web site you need to really take the time to figure out what type of business you would like to have, what skill set you bring to the table and what just plain makes you happy doing.

Everyone, absolutely everyone, has a special interest… a passion. Passion makes work fun and easy. What is it that you love to talk about? What do you read? Do you have a hobby? What do you do for fun and games? What are your natural talents? Write these down. (And don’t forget to look right under your nose!)

When you start with what you are passionate about things tend to flow naturally…


If you are still stuck for good ideas for your Site Concept, here are some basic brainstorming techniques and Idea Boosters. Your goal at the end of your brainstorming is to have three potential Site Concepts:

What special body of knowledge have you learned from your job? What do you do day after day, without even thinking about it (ex., child-rearing, taking care of sick parents, renovation contractor, customs inspector). Could any of these activities, areas where you have developed knowledge (without even thinking about it), be of value to others? Yes?… Great! Write these down.

Think about what you do in a typical day, and what you’ve learned from it. What sections of a book store or a magazine shop do you automatically gravitate toward? What kind of TV shows do you tend to like most? Movies? ….Write these down, too.

What activities do you enjoy most about your current occupation? Is it research? Helping customers achieve their goals? Managing other people? Teaching or explaining things to others? Talking/selling on the phone? Organizing things? Making a process easier? Discovering or creating new products or services? Marketing products? ….OK Write these down.

Problems are also a good source for ideas because problems need solutions! What bugs you? What’s tedious? What does not work for you? We all encounter obstacles, problems, nasty people in the course of whatever it is that we do every day. What are the three biggest problems in your work place? What are your biggest pains as a parent, or as a step-parent, or as a gardener (etc., etc.)? Do you have solutions to these problems? Would they be of value to a lot of people? Yes!!! …..Write these down!

Now let’s make sure that you haven’t overlooked “ancient history”… Repeat all the questions above, except pretend that you are in a “five years ago” time warp. Yes, ask yourself the same questions, except place yourself where you were five years ago. Next, repeat for 10 years ago. To paraphrase an old saying… “You’ve forgotten more about some things than other folks will ever know.”

Call friends. Ask your kids. Phone your parents or your siblings and anyone else who can jog your memory. It’s so easy to miss what others see.

Need a few seeds to fire up that old thinking cap? Here are a few examples of “starting points” to get your neurons firing…

Advertising, Aerospace, Agriculture/farming, Antiques and collectibles, Apparel/clothing/fashion, Architecture and buildings, Arts & Crafts, Auctions, Automotive Aviation

Beverages, Books

Chemicals, Children/parenting, Cleaning, Communications/media, Computers, Construction, Consulting, Conventions/Trade Shows

Design, Disabilities

Education, Electronics, Employment, Energy, Engineering, Entertainment

Financial services, Food

Gambling, Games, Government

Health, Hobbies, Home/garden/flowers/plants, Hospitality/entertaining




Manufacturing, Minerals, Music

New age

Office supplies


Real Estate, Religion/Spirituality, Research and Development, Retail management

Science, Security, Sex, Software, Sports

Telecommunications, Toys, Trade, Transportation, Travel



And these are just the general categories! Think about sub-categories of these and about sub-sub-categories.

That should be enough to get you started…..

Look for next week’s article that will review Step 2 – Laying out your “Content Blueprint” in developing a successful web business….Plus a lot more in the coming weeks about the last 2 steps on how to plan for success.

You can check out Michelle’s web site at To see how and what tools she used to create a successful on-line business go to

One great think about Ecuador is that it has beauty, low costs, wonderful weather and the currency there is the US dollar! Pus there is plenty to do. Here Steve, our man in Ecuador , arriving to camp out and fish at a deserted lake in the high Andes.

Read all about this as an Ecuador Living subscriber. See Ecuador Travel and Living

Join us in Ecuador !

Join us at a course soon!

How We Can Serve You

How to Have Real Safety in 2020

The most important investment you can make in 2020, is in yourself. 

Invest in more time.  Invest in less stress. Invest in greater security.That’s why four years ago we created the Purposeful Investing Course (PI) because when it comes to finances, there are only three reasons why we should invest.  We invest for income.  We invest to resell our investments for more than we had invested.  We invest to make our world a better place.

We should not invest for fun, excitement or to get rich quick, or in a panic due to market corrections.

The core model portfolio we teach in the PI Course rarely changes, but is highly diversified in thousands of shares around the world… so there is higher long term profits, less stress and greater safety.

The portfolio consists of 19 country ETFs.  During the four years since we created the Purposeful Investing Course and set up a $40,000 real time portfolio at Motif Brokers, we have held the same 19 shares and have only traded three times.

The portfolio started with $40,000 and has risen to $53,591 ($49,015 in shares and the balance in accumulated cash).

The portfolio did really well from 2015 to 2018, better than the DJI Index.  Then as the US dollar grew in strength it fell behind.

The chart below shows the actual results of thos portfolio compared with the S&P 500.



This good value portfolio above is based entirely on good value financial information and mathematically based safety programs developed around investing models that date back 91 and 24 years.

The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets developed combining my 50 years of investing experience with study of the mathematical market value analysis of Keppler Asset Management.

In my opinion, Keppler is one of the best market statisticians in the world.  Numerous very large fund managers, such as State Street Global Advisers, use his analysis to manage over $2.5 billion of funds.

The Pifolio analysis begins with Keppler who continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  He compares each major stock market’s history.

Fwd: keppler

Michael Kepler CEO Keppler Asset Management.

Michael is a brilliant mathematician.  We have tracked his analysis for over 20 years.   He continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  He compares each stock market’s history.  From this, he develops his Good Value Stock Market Strategy and rates each market as a Buy, Neutral or Sell market.  His analysis is rational, mathematical and does not cause worry about short term ups and downs.  Keppler’s strategy is to diversify into an equally weighted portfolio of the MSCI Indices of each BUY market.

This is an easy, simple and effective approach to zeroing in on value because little time, management and guesswork is required.  You are investing in a diversified portfolio of good value indices.

A BUY rating for an index does NOT imply that any stock in that country is an attractive investment, so you do not have to spend hours of research aimed at picking specific shares.  It is not appropriate or enough to instruct a stockbroker to simply select stocks in the BUY rated countries.  Investing in the index is like investing in all the shares in the index.  You save time because all you have to do is invest in the ETF to gain the profit potential of the entire market.

To achieve this goal of diversification the Pifolio consists of Country Index ETFs.

Country Index 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.

A country ETF provides diversification into a basket of equities in the country covered.  The expense ratios for most ETFs are lower than those of the average mutual fund as well so such ETFs provide diversification and cost efficiency.

Here is the Pifolio I personally use.

70% is diversified into Keppler’s good value (BUY rated) developed markets: Australia, Austria, France, Canada, Germany, Hong Kong, Italy, Japan, Norway, Spain, Singapore and the United Kingdom.

30% of the Pifolio is invested in Keppler’s good value (BUY rated) emerging markets: Brazil, Chile, China, Colombia, the Czech Republic, South Korea, Malaysia and Taiwan.

The Pifolio consists of iShares ETFs that invested in each of the MSCI indicies of theseall good value BUY markets.

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. This ETF is non-diversified outside of Australia.

iShares is owned by Black Rock, Inc. the world’s largest asset manager with over $4 trillion in assets under management.

The fact that the Pifilios are invested in all the shares of the MSCI Index in each good value market reduces long term risk.

When the US stock market bull ends, know one knows for sure how long or how severe the correction will be.

When the bear arrives, what will happen to global and especially good value markets?

No  one knows the answer to this question.

What we do know is that the equally weighted, good value market Pifolios have the greatest potential long term and that math based trailing stops can be used to protect against a secular global stock market correction when it comes.

My fifty years of global investing experience helps take advantage of numerous long term cycles that are part of the universal math that affects all investments.

What you get when you subscribe to Pi.

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

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

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

You also receive two special reports.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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


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

In 2020 I celebrate my 54th anniversary in the investing business and 52nd year of writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

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

Triple Guarantee

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

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

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

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

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

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

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

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