Quantum Wealth – Tax Advantages at Home


Quantum Wealth – There are tax advantages in having a business at home.  Yet labor savings devices that make an at home business possible can ruin your health and wealth.  See how the power of ritual and routine can help as there is a perfect time for everything.

Do you work too hard?

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Over the weekend I spoke at the Jyske Global Asset Management Forex seminar in Laguna Beach California and…

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spoke about how to have a personal or managed multi currency sandwich.

At the seminar, I said that “the ultimate asset is your own business.”  I quoted a Time magazine article that began:

Throw away briefcase: you’re not going to office. You can kiss benefits goodbye. Your new boss won’t look much like your old one. There’s no longer a ladder, and you may never get to retire, but there’s a world of opportunity if you figure out a new path.

Yet can having our own business can overwork us so here is a shamanic tip to help you work less and have more.

I was pondering this question about effort as I gazed at the Pacific from Laguna Beach at dawn.

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View from my room at the Laguna Beach Surf  Sand Spa.

Merri and I were sharing time with Jyske Global Asset Management (JGAM)… many of our readers and several other very smart investment analysts (the other speakers) at the seminar.

One theme regularly repeated by the delegates there was that they have enormous affluence… but no one can enjoy it because they are working to hard!

Southern Californians especially have incredible beauty… a lot of wealth…  and fantastic weather. Yet the burdens of living with the taxes… fees… traffic… government intervention… congestion…  crime… traffic… pollution  and noise are so heavy that they have to work so hard that they cannot enjoy the good qualities.

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Laguna beach homes represent incredible wealth but there is a lot of stress involved as well.

There seems to have been an Western industrialized trend.  Many people work so hard that they cannot enjoy the fruits of their effort.  People put out so much effort that the process weakens or obliterates the goal the effort seeks.

For example married couples want to provide their families with a good home and solid family life. Yet over the generations dads and moms have had to work longer, full and even overtime, to pay the bills.  The labor savings devices that technology has created really have not saved labor at all. They have simply provided ways to work more… especially at home.

We can see from an recent article that cell phones and the internet… at home  can be as much a liability as an asset.

Excerpts from a USA TODAY article entitled “Working at home: Family-friendly?” by Sharon Jayson, shows how new labor saving technology  can also create lifestyle problems.

The article says:  Our lives were supposed to be more flexible and family-friendly thanks to the technology at our fingertips. But in this age of BlackBerrys and recession pressures and working from home after hours and on weekends, family time may not be working out the way we thought.

Busy parents who envisioned more time with the kids are finding that more work hours at home don’t necessarily translate into quality time with them.

Some studies suggest parents today do have more face time with their children than their counterparts decades ago, largely driven by increased time spent with fathers. An analysis released last month by two California economists looked at a dozen nationally representative surveys from 1965 to 2008 and found the amount of time parents spend on child care is up dramatically since the 1990s, especially among the highly educated.

But a growing number of researchers say that’s only part of the story. The technology that allows parents to spend more time at home — laptops and cellphones and mobile e-mail — is blurring the lines between work and personal life and distracting them from the “family time” they crave.

Studies that show parents who spend more time than ever with their kids today don’t necessarily capture what’s happening between them, says sociologist Barbara Schneider of Michigan State University in East Lansing. “If you’re not connecting with Mom and Dad — just because you’re in the house with them — what difference does it make?”

And even though an always-on BlackBerry mom may think she’s a master of multitasking, children know better.

Today’s parents might not even realize how their divided attention plays out with kids, says Sherry Turkle, director of the MIT Initiative on Technology and Self at the Massachusetts Institute of Technology in Cambridge.

Because we have worked at home for decades Merri and I have continually faced this task of balancing our lives with work and relaxation.

Like snacks in the fridge there is this continuing temptation to always take a little more… work.

I generally rise between 4am and 5 am and after doing my morning meditation, I go straight to work. Often I have done a day’s work before breakfast.

If it were not for an Andean ritual, by 8pm I could find myself busy at work.

When this happens… when we work too hard… the fire gets out of balance.

An ancient Chinese saying says: First the wine drinks the man. Then the wine drinks the wine.  Then the wine drinks the man.

This is an explanation of the law of diminishing returns which works on everything including work.    At a certain point, every hour of work you do provides a reduced return for the effort.

Merri and I learned how to balance our activities in a shamanic way..

A shamanic work ethic can help you find Quantum Wealth.  Work habits that spring from ancient wisdom can hep you work less… but smarter and have more… especially more time…. more fulfillment… more good health as well as wealth.

Wealth springs from good health and good health requires balance.  Everlasting quantum wealth comes from a state of continuing balance.

Many of the healing sciences in ancient cultures, including the shamans of the Andes, look at existence as a blending of various elements beginning with air, fire and water.

Air represents the aspects of motion… fire provides the transformational qualities such as digestion, vision, hearing, digestion and water provides the solid stuff.

Good health is the correct balance of these three elements.  Just as an auto mechanic  looks to balance the flow of spark, fuel, and air… the shamanic healers of the Andes aim to balance the air, fire and water.

When the elements  of air fire and water are in balance… our bodies and mind can be at ease.

When the fire, air and water get out of balance we feel dis-ease.

The yatchak we lived with taught us to sue ancient knowledge about fire, air and water to create rituals of work that would maximize the return from our activity.

The ancients believe that every day consists of two four hour air, water and fire cycles each.

2am to 6am: Air Cycle. This is time to wake up. The mind is light active and this is a good time to think, multi task and learn.

6am to 10am: Water Cycle. Strength is increased. This is a good time to do physical activity.

10am to 2pm: Fire Cycle. This is the time for digestion. High noon is the best time for the main meal of the day.

2pm to 6pm: Air Cycle. The mind is light and active again/ Study and do mental work.

6pm to 10pm: Fire cycle. If you eat a heavy evening meal this cycle will digest it. However if your evening meal is early and light, this second fire cycle acts like an oven cleaner and burns up stresses and toxicities gained during the day.

10pm to 2am Water Cycle. Best time for deepest sleep.

Merri and I were working to hard.  Our health was out of balance.  The yatchak explained the bodies natural schedule that supports balance, health and well being.

He taught is the importance of  having more than a routine. He told us to create ritual that is fortified with the balance of nature!

Those who live extra ordinarily long lives seem to share this common trait… a ritual.   Whatever long lived people do, they do in moderation, in a very similar way and with great gusto.

For example, if they drink an ounce of whisky every day, at six o clock, they do not do this at five some days and eight others. They do not have a half ounce one day and two another. They tend to have one ounce at six p.m. every day.

This instills discipline, keeps life simple (very important) and allows the body to get used to doing whatever it is it has to do.

Take Chris Mortensen one of the oldest documented men in the 1990s who at 113 said of his weekly cigar, “If you take my weekly cigar away from I am going to die”.

The anticipation and ritual of whatever pleasure he received from this was far more life giving than the stress.

The world’s oldest documented woman in the 1990s, Jeanne Clement, at age 122 drank cognac and ate a pound of chocolate a week (but never two).

The shamanic healer advised us to create a three part ritual.

First, eat a light early evening meal… very light.  Second, quit work in the evening fire cycle and to change into relaxing clothes at that time.   “You have to tell your body that you have quit work for the day,” he said.  Third he taught us that it is important to be in bed before the 10pm fire cycle begins.

When we follow this ritual, we find that we awaken naturally easily around 4am to 5am… filled with energy and ready to work.

See two more Ecuador health tips here.

Gary

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.

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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.

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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.

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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.

Gary

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