Humility Lesson


A reader who sent me this note about her special Cotacachi education. She wrote:

“Hi Gary and Merri, I wanted to share my lesson in humility in Cotacachi and let you know that your publishing course has kept me inspired. I recently completed a young children’s book, based on a life experience with my own children. The art work is being done now – clever and cute. Again, thank you. Love and blessings to both of you. See you soon. Micky”

“A LESSON IN HUMILITY by Micky Enright”

“Thoughts, smells and colors awaken my senses as I walk along the narrow, uneven sidewalks of Cotacachi, the leather village of Ecuador. The tanned smell of leather floods my nostrils like the aroma of a new car.

Small shops, one after another, display of leather goods that vary from the colors of the rainbow to basic browns and black.

Upon entering a shop, I am greeted by a friendly indigenous shop owner with a smiling face, no pressure, just the shear pleasure to show their leather creations. I watch families working as a team, sometimes from the grandparents right down to the young children.

Multiple wooden shelves display beautiful designs of purses, shoes wallets, brief cases, back packs, jackets, belts, panchos, jewelry and leather trimmed sweaters. I am overwhelmed by the creativity and choices.

Little did I know what was going to happen as I walked out to the sidewalk with the intent to enter another shop.

A small built young boy about 9 years old tugged on my jacket with a penny in the palm of his hand and telling me in Spanish that he needed gym shoes for school. Of course, I do not speak Spanish but I understood by the looks of his tattered worn out shoes and his open palm that he was going to be persistent.

Cotacachi is not a village to find gym shoes. Was he a well trained little beggar on this slightly upscale street of leather shops? My skepticism rose, I was feeling annoyed as he followed me along on both sides of the street. There was no dodging him.

Each time I entered another shop, waited for me to reappear outside.

I finally decided to make a deal with him not knowing if he understood me. I said,

“If you want gym shoes come to the El Meson.” I walked away relieved that this little persistent character was not hot on my trail.

Early that evening as I was enjoying dinner at the El Meson and listening to the local Musicians play Ecuadorian music in this almost perfect environment, I felt a tap on my shoulder. One of the Spanish speaking staff took me by the arm and in broken English

Said: “someone is here to see you.” Here was my little ‘annoyance’ with the penny in his hand and wearing the tattered gym shoes.

As luck would have it, when I go to Cotacachi I travel with donated clothing, shoes and so forth to help the children in an outer village. I had new gym shoes in my room.

The staff person and the little boy followed me up the stairs to my room. He sat quietly on a chair, very little expression, almost slightly frightened. By this time I probably appeared to be the big bad wolf. He was fitted with several pairs of shoes by the\ indigenous staff person and all shoes were too big. The ingenious staff person simply put newspaper in the toes and made the shoes fit.

My inner self filled with remorse for my lack of compassion and I made sure he left with some used clothing, coloring books and crayons. A delighted young boy with a look of appreciation in his eyes, graciously said “gracias” and left for home.

I learned a very big lesson that day. Do not judge and make conclusions. Keep a gracious heart open to the infinite as sometimes you receive gifts in small packages.

I will never forget his persistence and the look in his eyes of gratitude as he went his way.

It was hard to hold back a tear and to realize my ego and impatience were put aside for a little while and humility surfaced as I gazed into the face of my little persistent character.”

This is a wonderful tale about one of the most important benefits we gain from travel…expanded horizons.

The wider your globe…the broader your horizons. The broader your horizons, the deeper you can see.

This is why we created and conduct our International Business and Investing Made EZ Course four times a year. This is a course to help investors and those who wish to have their own global business, earn as they travel.

Michelle Toole, for example, is a student of this course. She started her own global business after attending our course. Without extensive experience or capital she has developed successful global business.

She recently wrote:

“Last month turned out to be a great month for my website. Things are really starting to take off….I am now seeing anywhere from 700 – 900+ visits per day, I am being contacted on a regular basis by advertisers wanting to purchase ad space, other sites are contacting me to consider possible joint ventures, a very successful disability advocacy site is going to be promoting my e-book and I will be doing my first web interview for a site next month! It is all truly amazing!

“All of my efforts are paying off literally… my little trickles of income are fast becoming streams…..the funny thing is it almost feels like free money! I know that sounds odd I have certainly put a lot of time and energy into my projects but when you follow your passion and invest in yourself the return is different than if you were ‘working’ for a pay check.

“As always I thank both you and Merri for your endless support and knowledge and I look forward to sharing my experiences and successes with both of you for years to come! love to you both, Michelle”

To help readers learn how to use the internet in their marketing we have been featuring a FREE course provided by Michelle.

Here is Michelle’s sixteenth lesson.

Introduction to E-zines

First of all what is an E-zine?

An E-zine, sometimes referred to as an email newsletter or e-newsletter, is simply a newsletter that is delivered via email that you can subscribe or opt-in to.

How often do you send your E-zine? The frequency in which you send your E-zine is a matter of how much time you wish to put into it. Delivery frequencies range from daily, to multiple times per week, to weekly, to bi-weekly, monthly, quarterly or any periodic delivery schedule. Some of the best E-zines are delivered daily, weekly, bi-weekly or monthly. Any delivery frequency longer than monthly is not recommended.

These days almost every Web site publishes an e-zine but, because Spam is in abundance and visitor trust in site privacy policies is at an all-time low, it is not surprising that attracting new subscribers is becoming increasingly more difficult. However, it’s a challenge that you must and can overcome (as you will soon see). Here’s why…

Publishing an e-zine is a great way to further establish your credibility, build trust, and establish a rapport with your audience. Ongoing communication keeps your Web site in the forefront of your visitor’s mind, ensuring that s/he will return to it time and time again to check your updates and business offerings. So…

How do you overcome your visitor’s skepticism and entice him or her to sign up for your e-zine?

The simplest, most effective way is through the creation of quality content on your site. Nothing telegraphs your honesty and integrity better. No matter what you are trying to accomplish online, it all begins with high-value, relevant content — exactly what your visitor is searching for.

Beyond that, you can offer a couple of tasty “freebies”. Giving away something of value will tempt those “would-be” subscribers into signing up. Of course, in order for this strategy to be effective, your visitor must perceive the “freebie” as being worthwhile. Because you are an unknown business, your prospective subscriber uses the quality of your site’s content to gauge the value of your e-zine. In other words…

Great site content = Perceived high value “freebie”.

“So-so” or average site content = Perceived average or low value freebie.

A freebie can take the form of…

•    a special report

•    an exclusive e-course

•    a free gift

•    a cost-saving coupon or discount

•    a trial version of your product

•    or the most well-used freebie of all, an e-book.

Your visitors happily receive valuable information, at no-cost, in a user-friendly format (all of which concretely shows that you have their best interests at heart!). They will confidently subscribe to your e-zine, anxiously awaiting more great content. Bear in mind that you will have to continue to provide value added content to keep subscribers happy and new ones coming in.

Bottom line?

An e-zine is an excellent marketing tool. Used properly it can propel your e-business to the next level. But, always remember your e-zine is much more than an advertisement for your business. It is a bond between you and your readers. Give it the attention it deserves.

You can check out Michelle’s web site at To get more great tips, like the ones above and to see how and what tools she used to create a successful on-line business go to

We hope we can help you expand your horizons through global investing and business as well.


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.