Asset Protection through Earnings

Asset protection through earnings has greater importance when stock markets and economies are crashing worldwide (as they are now).

One of the greatest assets of all is your independence…freedom…ability to serve and earn. This wonderful income earning ability allows you to protect your assets. You can live off earnings when investments are down. With a personal income earning ability, you are not forced to make bad investments decisions at the worst of times.

One way to gain this asset protection is to create earnings with a small – at home business.

Merri and I have moved comfortably through so many economic crashes because our business always pays our way. We can let our investments grow when times are good and keep our powder dry to buy even better investments when times are bad.

Learn about our online self publishing correspondence course at

We enjoy helping our readers create their own businesses so much that we would like everyone to share our self publishing course…by email or in person.

To help in this effort we have arranged to share a FREE series on developing your own email business written by one of our self publishing students, Michelle Toole , on how to develop your website.

Here is lesson eight.

Monetizing, your last step toward building your web site

You should by now have identified your best Site Concept. What follows now is finalizing your domain name and developing your monetization plan so you can begin building your web site.

Keep in mind that your goal is to fully investigate and plan the monetization models for your upcoming site.

Keep these words by Thomas A. Edison in mind as you create your monetization plan…. “Good fortune is what happens when opportunity meets with planning.”

Here is how you plan your site Monetization…

1) Investigate and assure yourself that your Site Concept can indeed make substantial profits. Use Site Build It’s Search It!

2) Lay out your plan for your site Monetization. Which one will be your primary income stream? How and when will you lay out the others? Which others?

Quality relevant Content is what drives the internet, is what delivers high volumes of PREsold visitors who love you. Once you have a solid traffic base, Monetization is easy. So, your job is to figure out how YOU then turn that traffic into MONEY!

First, realize that you most likely will not choose only one monetization model. A diversified portfolio of Monetization will build you a stronger, more profitable and more stable business.

OK let’s investigate your Site Concept and make sure it can produce substantial profits. To make it easier, take a look at the free public version of Search It ( created by Site Build IT …..

Take your time with the Search It tool; review all the search options available to you in the Monetization Category. Below are a few of the tools I would suggest using:

· Keywords worth (Google Keyword Tool)

· Keywords worth (Google Traffic Estimator)

· Preview Google AdSense Ads

· Find Affiliate Programs at Google

· Find Affiliate Programs at APn

· Find Products at ClickBank

There are bound to be one or more queries of value for your particular business (ex., finding companies with good affiliate programs, or identifying product opportunities). For example…

Would you like to know the exact financial value of certain keywords? Try both the Google and the Yahoo! versions of the Monetization > What Are Your Keywords Worth?” query…

Even if you think you know exactly how you will monetize (and that might change as you proceed), don’t lock yourself into one monetization model. Why leave money on the table?

All set? Let’s layout your site Monetization plan……..

MONETIZE your warm, willing-to-buy visitors in various ways. How? Sell hard goods, e-goods, your personal or professional services… or all three. Or become a “pure infopreneur” and earn substantial income without selling at all, through Google AdSense, affiliate fees, finder’s fees and other techniques. A blend of monetization options will help you build a thriving, diversified business.

Review potential monetization models (presented below). Consider each one carefully. Depending on your particular niche and business intentions, some will apply to you. Some won’t. Tailor your choice of monetization models according to your time constraints and priorities.

The key is to never be dependent on any one-income source. “All your eggs in one basket” is a high-risk strategy. By diversifying, your revenues increase, your business is more stable, and YOU are in charge of your business destiny.

Ready? Let’s get started on your monetization plan…

  • AdSense. Most web sites use this as their starting monetization model. You simply place Google AdWords ads on your site and get paid for each click.
  • Hard Goods Creators/Sellers. Sell your own product. Or find ideas on selling someone else’s product and/or using the convenience of drop-shipping.
  • Affiliate Businesses. Learn about Clickbank’s affiliate program as well as various other affiliate programs/products your readers may be interested in buying. Affiliate programs are where you advertise other people’s products on your site and you get a percentage of the sales.
  • Service Businesses. Your site can be a great vehicle for starting up a service business or expanding your existing one. Use your quality content to build credibility and make your visitors want to contact you about a contract.
  • Local Offline Businesses. Use your Web site as an extension of your offline business, and increase your customer base.
  • Referrers/Finders. If your Site Concept fits, make use of this under-utilized monetization model. Build one-on-one, lead generating relationships with on and off-line businesses. Then get paid every time you refer one of your readers to their business.
  • Web Professionals. Hang out your Webmaster shingle. The demand is high. Help other people follow their passion and start a successful internet site. Find out how to satisfy your clients and get a jump on your competitors.
  • Net Auction Sellers. Put eBay to work for you, rather than the other way around. Become your own “Power Seller.” Advertise eBay products on your site or get paid for sending customers to other eBay sellers.
  • E-goods Creators/Sellers. Low overheads and no stock to carry. These are just 2 reasons that make e-goods an ideal monetization model. E-goods are not limited to e-books — for example, you can also use audio to generate revenue. It comes down to selling information and this is a great way to make money. You can even sell other people’s e-books as an affiliate and you can make 50% profit!
  • Sales and Rental Agents. “If you can represent it, you can sell or rent it on the Net.”
  • Existing E-businesses. Funnel your targeted PREsold traffic to your existing online store or business site — a great way to leverage your efforts and profits.

Remember to think “outside the box” — mix ‘n match the monetization models to suit your site topic. You are not limited to only one monetization model.

By doing some “future” thinking now, you will know if your present choice of a Site Concept will allow for more than one profitable opportunity. And you’ll get an idea of how profitable it can be. Don’t box yourself into a corner before you even get started!”

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

Until next message, may all your assets be protected through earnings.


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.


Enjoy our courtyard companionship at our hotel as we talk about economies and markets during meals and at breaks.

See houses for sale in Ecuador.

Enjoy dining here at Palmazul where we will stay during the coastal tour.

Here is a group at a previous shamanic tour arriving for a ceremony on Lake Cuicocha