Natural Health Structural Change

There is a huge natural health structural change taking place in the Western world that can bring you health and wealth.


I have been researching ways to use sustainable agriculture in our upcoming era.  We have learned that we can grow sunflowers easily in North Carolina… ideal for bio-diesel.

Numerous messages at this site have looked at ways to adapt to and prosper with changes in our social economic structure.  The way to do this is to invest or have an international micro business that serves change in one of these three ways:

Micro Business Opportunity #1: Structural Change

Micro business Opportunity #2: Mitigation

Micro business Opportunity #3: Adaptation.

Here is an example of  how to do this.

A Sweet Revenge.

Recently Merri and I watched a CD of the film “The Informant,” an adaptation of a book about Archer Daniels Midland price fixing of corn syrup. The film stars Matt Damon.  In 1993, senior ADM executives were indicted on criminal charges for engaging in price-fixing within the international lysine market. Three of ADM’s top officials were sentenced to federal prison and fined $100 million, the largest antitrust fine in U.S. history at the time. ADM also paid $400 million to settle a class action antitrust suit.

Overall this film portrayed a disgusting corporate culture that, in this day and age, we are all to familiar with.  Maybe this is the way life has always been… due to human nature… but it is nasty to see business (or any institution) act this way anyhow.

However during the film Merri’s continual comment was… “they are missing a huge point… the money is bad  yes… but what don’t they say anything about how bad lysine is for our health.

Not only was big business trying to cheat the consumer…. they were trying to addict them to corn syrup a really unnatural, unhealthy product.

High Fructose Corn Syrup may be one of the most insidious health risks we currently face.

Merri is right… there is a great deal of evidence that many big food businesses not only push their financial thinking to the short term limit… at the expense of the buyer… they also ignore the health aspects of what they do.

In fact some food businesses might even add harmful ingredients if the ingredient creates addictions that reinforce sales.

In this case there are suggestions that high-fructose corn syrup (lysine is the main of four ingredients that produce HFCS) is not good for one’s health.


We have learned a lot from the organic test gardens near our hotel in Cotacachi Ecuador.

The excerpt below to an Economist article “Sickly sweetener” explains why:   Americans are losing their taste for a sugar substitute made from maize

IN A sun-dappled yard, above the cheerful whoops of healthy children, one mother assures another that high-fructose corn syrup (HFCS), a sweetener made from maize (corn), is, like sugar, “fine in moderation”.

Yet fewer and fewer Americans, it seems, are convinced of the claim, made in a series of advertisements by the Corn Refiners’ Association, an industry group.

Demand for HFCS declined by 8% between 2007 and 2009. Several fast-food chains and consumer-goods firms have ostentatiously dropped it from their recipes. Michelle Obama, the first lady, has expressed concern. Some Americans feel so strongly that they have posted spoof advertisements online, explaining that lead poisoning, Nazism and genital mutilation are also “fine in moderation”.

HFCS, which became a common ingredient in processed foods in the 1980s thanks in part to an abundance of subsidised maize, is cheaper than sugar. A rise in the price of sugar in recent years has increased the difference, yet big firms such as Pepsi and Kraft have substituted sugar for HFCS in many of their products. ConAgra, another big foodmaker, announced earlier this month that it had removed HFCS from its Hunt’s ketchup brand, and slapped a prominent label to that effect on the bottles. The move, the firm says, reflects consumer demand.

The most common complaint about HFCS is that it has helped to make Americans fat. But that idea is hotly disputed. The American Medical Association and the American Dietetic Association argue that there is no direct link between obesity and consumption of HFCS in America, although both have surged in the past 30 years. Other studies have fingered HFCS, including one released in March by scientists at Princeton, which found that rats gained more weight eating it than table sugar. HFCS’s defenders blame perfidious sugar refiners for their bad press.

Another complaint centres on subsidies for maize, which, the theory runs, have warped America’s entire food chain. Yet high tariffs on imported sugar, to the benefit of America’s beet and cane farmers, have also helped to promote HFCS. Mike McConnell of the Department of Agriculture’s Economic Research Service estimates that HFCS and sugar would be roughly comparable in price in a free market. In that respect, at least, the two products are as bad as each other.

I stumbled upon many websites in my research on corn syrup that give a pretty good explanation of what High Fructose Corn Syrup is.  All of these sites have the exact same data so most are copies and I could not figure out which came first. However I liked the article “Information on High Fructose Corn Syrup and Beekeeping/Honey information” at   A link to the entire article is below. Here is an excerpt:

The process for making the sweetener HFCS out of corn was developed in the 1970s. Use of HFCS grew rapidly, from less than three million short tons in 1980 to almost 8 million short tons in 1995. During the late 1990s, use of sugar actually declined as it was eclipsed by HFCS.

HFCS is produced by processing corn starch to yield glucose, and then processing the glucose to produce a high percentage of fructose. Three different enzymes are needed to break down cornstarch, which is composed of chains of glucose molecules of almost infinite length, into the simple sugars glucose and fructose.

First, cornstarch is treated with alpha-amylase to produce shorter chains of sugars called polysaccharides. Alpha-amylase is industrially produced by a bacterium, usually Bacillus sp. It is purified and then shipped to HFCS manufacturers.

Next, an enzyme called glucoamylase breaks the sugar chains down even further to yield the simple sugar glucose. Unlike alpha-amylase, glucoamylase is produced by Aspergillus, a fungus, in a fermentation vat. [I once wrote an article about this for “The Potomac Sporophore”, the newsletter for the Mycological Association of Washington, D.C.]

The third enzyme, glucose-isomerase, converts glucose to a mixture of about 42 percent fructose and 50-52 percent glucose with some other sugars mixed in. While alpha-amylase and glucoamylase are added directly to the slurry, pricey glucose-isomerase is packed into columns and the sugar mixture is then passed over it. Inexpensive alpha-amylase and glucoamylase are used only once, glucose-isomerase is reused until it loses most of its activity.

There are two more steps involved. First is a liquid chromatography step that takes the mixture to 90 percent fructose. Finally, this is back-blended with the original mixture to yield a final concentration of about 55 percent fructose-what the industry calls high fructose corn syrup. The purpose for this blend id that HFCS has the same “sweetness” as an equal amount of sucrose from cane or beet sugar. HFCS is cheaper than sugar. It is also very easy to transport which translates into lower costs and higher profits for food producers.

The development of the HFCS process came at an opportune time for corn growers. Refinements of the partial hydrogenation process had made it possible to get “better” shortenings and margarines out of soybeans than out of corn. HFCS filled a void as demand for corn oil margarine declined. Lysine, an amino acid, can be produced from the corn residue after the glucose is removed. Basically food conglomerates break down commodities into their basic components, and then put them back together again as processed food.

Today HFCS is used to sweeten jams, condiments like ketchup, and soft drinks. It is also a favorite ingredient in many so-called health foods. Four companies control 85 percent of the $2.6 billion business-Archer Daniels Midland, Cargill, Staley Manufacturing Co. and CPC International. In the mid-1990s, ADM was the object of an FBI probe into price fixing of three products-HFCS, citric acid and lysine-and consumers. Allegations of corporate manipulation still abound.

Two of the enzymes used, alpha-amylase and glucose-isomerase, are genetically modified to make them more stable. Enzymes are large proteins and through genetic modification specific amino acids in the enzymes are changed or replaced so the enzyme’s “backbone” won’t break down or unfold. This allows the industry to get the enzymes to higher temperatures before they become unstable.

Many consumers trying to avoid genetically modified foods do not know to avoid HFCS. It is very likely made from genetically modified corn and then it is processed with genetically modified enzymes. Moreover many consumers think that because it contains “fructose”-which they associate with fruit, which is a natural food-that it is healthier than sugar. A team of investigators at the USDA, led by Dr. Meira Field, has discovered that is not true.

Sucrose is composed of glucose and fructose. When sugar is given to rats in high amounts, the rats develop multiple health problems, especially when the rats were deficient in certain nutrients, such as copper. The researchers wanted to know whether it was the fructose or the glucose moiety that was causing the problems. So they repeated their studies with two groups of rats, one given high amounts of glucose and one given high amounts of fructose. The glucose group was unaffected but the fructose group had disastrous results. The male rats did not reach adulthood. They had anemia, high cholesterol and heart hypertrophy-that means that their hearts enlarged until they exploded. They also had delayed testicular development. Dr. Field explains that fructose in combination with copper deficiency in the growing animal interferes with collagen production. (Copper deficiency, by the way, is widespread in America.) In a nutshell, the little bodies of the rats just fell apart. The females were not so affected, but they were unable to produce live young.

According to Dr. Field, all fructose must be metabolized in the liver. The livers of the rats on the high fructose diet looked like the livers of alcoholics, plugged with fat and cirrhotic.” HFCS contains more fructose than sugar and this fructose is more immediately available because it is not bound up in sucrose. Unfortunately HFCS is used in many products aimed at children.

Big business may have been doing us bad… cheating on price and shoving a really bad ingredient into a huge variety of our foods.

High Fructose Corn Syrup is a huge problems and problems create opportunity.


We are testing the use of Bio Wash in our orange groves in Florida. Indication are a higher sugar content in the fruit as well as reductions in pesticides.

Let’s look at three micro businesses ideas that shows ways to help solve problems created by HFCS.

Adaptation example. This business is simple enough entitled Stop High Fructose Corn Syrup. This is a web site aimed at eliminating High Fructose Corn Syrup for better health.  The offer a food list… of foods without HFCS… recipes etc. The site is not currently monetized in any way I saw at first glance. This means that either that the developers have set this up as a not for profit business… are just getting started and have not yet monetized or do not know what they are doing.

Whatever the situation… this site is a great example and holds the seeds of a nice micro business… tightly focused on solving a really big problem.

You can see it at

Mitigation example. We saw above how HFCS can have a negative impact on the liver.  A liver support (via information and or supplements) business would help mitigate the impact of living in a world soaked in HFCS. 

Structural Change example. One structural idea is to change the retailing of food.  We saw above how many health foods are loaded with HFCS. This highlights a fact that most health products and health food stores are pretty phony. Their main claim to fame is higher prices.  No HFCS website shopping or a no HFCS store could change the way people shop. Shift the shopping ideal from a vague fussy cuddly health food spin to real specifics that address real problems.

The introduction of High Fructose Corn Syrup into the Western food supply is surly a big problem.  As more consumers become aware of the risks, many micro business opportunities will grow.

Create a business that delivers an honest message and honest products. Sell products with greater objective information. Sell food with trust.  The market may be ready for this… fed up with spin and overwhelmed with it from the last big business debacle in the Gulf of Mexico.


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.


Read Sickly sweetner

High Fructose Corn Syrup plus Beekeeping/Honey information