Tag Archive | "bonds"

Live Longer


Methuzelah is said to have been 969 years old.  Maybe we can’t live that long, but we can live a lot longer than most actuarial figures predict.  There are two simple secrets to longevity.   If we understand and use them, we can live longer.

bristlecone pine

The oldest tree in the world is a Great Basin Bristlecone pine (Pinus longaeva) in the white mountains of California in Inyo National Forest. This gnarled old tree has been named Methuzelah and is estimated to be about 4,845 years old, which dates back to roughly the same time period as Noah’s ark.

The First Secret to Longevity

The Great Basin Bristlecone pines are well known for their great age and the fact that they thrive in adverse growing conditions.

The harsh environment in which most bristlecone pines grow is the key to their age and the first secret.

These pones grow in isolated groves at the very top of the treeline. Harsh conditions, with cold temperatures, a short growing season, and high winds force the Bristlecone pines in these high-elevation environments to grow very slowly.  Slow growth makes their wood very dense and resistant to insects, fungi, rot, and erosion. There are few trees or surrounding vegetation so there is little chance of fire.

When Bristlecone pine seeds are dropped by birds at lower elevations, they grow more rapidly in more “favorable” environments but do not achieve their legendary age.

That’s the first secret. Get away from the madding crowd and don’t get caught up in trying to have what the crowd call the good life.

The Second Secret to Longevity

After a recent message at this site, “The Seven Year Itch” (1) that looked at several ancient disciplines that suggest we should live to be 120, a reader sent this note.

Gary, you don’t need astrology to get to 120 when Jews wish each other a happy birthday it’s “Happy Birthday…until 120!” which is supposedly how long Moses lived. This greeting embedded in the culture may pre-date your astrological version.

The point is that many ancient dialogues of wisdom all tell us that we have the potential to live long lives. and they tell us to have a purpose.

The secret to longevity is a purpose that fills you with joy.

Merri and I lived and worked for years with a very wise healer in the Andes.  He used to say “Have a purpose instead of a goal.

I spent a lot time pondering this before it had meaning to me.  Goals are what we make with our logic.  Yet logic is never enough. There is way too much we do not know to have the consequences of our goals turn out as we expect.

A purpose is far wiser… infinitely more flexible… but indelibly durable… capable of rolling with punches and shifting with change.

The economic and lifestyle goals of many will change with the economic turbulence ahead.   Those who are strongly cemented in a broad purpose have an advantage.  They might be knocked sideways by changing financial tides, but they’ll get up… dust off and move on with their purpose… because a purpose is not limited by size… duration or magnitude. We can move on with a purpose regardless of external events.  Action in down times is easier… more productive and can take advantage of the value created on the downside of every curve.   Those depending on goals and mathematical bottom lines can be stricken by their shattered logical goals.

This is why we try to invest and do business with a purpose and always remember the quote I have framed on my desk… “Action is Thy Duty… Reward Not Thy Concern”.   We keep moving forward with our purpose without great concern with where the currents carry our correct actions.

A recent article by Ken Fisher in USA Today “Here’s the secret for living longer and loving retirement”  (2) confirms the this link between longevity and purpose and joy.

The article says: Do you want to avoid dying early? If so, it’s time to rethink retirement.

Early retirement is a popular dream with a whole movement devoted to it: FIRE, or financial independence, retire early. Advice abounds for retiring at 60, 50 even 35. Soon, people will push for 25, I’m sure. But be careful. Recent research shows early retirement kills. Literally.

For years, conventional wisdom – plus research – supported FIRE’s momentum. Studies showed early retirees living longer and were happier. Newer research disagrees.

A December 2017 paper by Professors Maria D. Fitzpatrick and Timothy J. Moore for the National Bureau of Economic Research showed male mortality rates rose 2% starting the month men turn 62. After analyzing data deeper, they blamed heightened mortality risk on “retirement from the labor force and associated lifestyle changes.”

Those changes included less physical activity, mental stimulation and social interaction. Last October, Alice Zulkarnain and Matthew Rutledge, researchers for the Boston College Center for Retirement, documented working longer equals living longer.

To me, the lesson isn’t to work longer or shorter. Rather, have spirit. Find something you enjoy doing. Then work at it, whether for money or not. If you like your 9-to-5 gig, and the camaraderie and intellectual stimulation, keep going. But if your job is merely for money, and you’re desperate to quit once you’ve saved enough, turn in your retirement letter and plot your labor of love. You could volunteer, change fields or start a business doing something that jazzes you.

Regardless, the key is to retire from joyless work – and work at something joyful.

So how can we define a purpose?

Winston Churchill is quoted as saying: It is always wise to look ahead, but difficult to look further than you can see.

One way to look further than we can see is through understanding the ups and downs of cycles.  When we know where something is in its cycle, we can accurately predict what it is likely to do.

All of life… every event… the fauna and flora, even the universe flows in cycles.  When we understand and tune into cycles we begin to spot trends that will help us achieve greater happiness… better health… more success.

Here is how to get traction with all this infinite knowledge we can tap when we relax… and concentrate at the same time. This is so simple… it is hard to believe but is amazingly powerful.

This technique works when we are willing to go with the flow.

Merri and I use this system continually to unlock our higher forms of intelligence that we cannot access in lingual form.  We practice this technique in our Frequency Modulation Workshop during our seminars.

Here are the three steps in this technique (which can be used anywhere):

Step #1: Write by hand for five or ten minutes everything you can about a business idea.  This connects the the mind/body functions.

Step #2: Take a ten minute meditation or sit quietly for 10 minutes listening to Baroque largo music.  Relax and let your mind wander… use innocence with no expectations.

Step #3: At the end of ten minutes write down whatever is on your mind at that time. Write as much about it as you can.  Just let it flow.

In the thoughts…in the visions that you have at the end of the ten minute meditation or in the quiet listening, there will be an out of the box idea to dwell on… often in graphic form…a picture rather than words.  Dwell easily on the pictures and the thoughts as they are a path to your purpose.

Gary

We have developed a “Frequency Modulation Workshop” to help use the three step process.  You can see details below.

Be Smarter

 

Join the top 3 percent of intelligent people in the world.

Become more independent and relaxed by becoming smarter.

A study of 10,000 British people studied the pure relationship between intelligence and happiness stability.

IQ can predict the emotional ups and downs of life.   The research found that the lower the IQ,  the more stress and higher the ups and downs in life satisfaction.  The differences were not due to education, income, or jobs either, but simply IQ.

gary-scott-seminar

Delegates at a Super Thinking course relaxing in their secret rose garden.

Free yourself by becoming smarter, healthier, happier… in just weeks… hearing  a relaxation session that takes you into your secret rose garden.

Merri, David and I originally developed this session for our Super Thinking courses and have set it into an online workshop for you.

Listen… just 18 minutes day.  We guarantee your life will be better.

Inflate Your IQ.

When it comes to money… inflation is cheating.

That’s bad for you.

When it comes to intelligence… inflating is smart… fair… good for you and it’s good for the rest of the world.

Monetary inflation is a sneaky government and business trick.

What cost a dollar in 1965 can easily cost $15 now.

They promise you more.

Liars?

They devalue the currency so you get more dollars that buy less.  They can rip off your salary,  your pension…raise insurance, almost everything.

And they make you work harder… longer… for less.

Whittle, whittle, whittle.  Push, push, push.  That’s what monetary inflation does to you.

Fight back… overcome the inflation trick.  Inflate your IQ as you relax.

Gain more than IQ.

Be smarter… more energetic…. healthier… more relaxed.

That’s the way to get ahead!

Create more income opportunity.  Reduce stress.  Improve your health.  Be naturally smarter… use Super Thinking.

You can improve your IQ in just weeks.

You might well ask… How is this possible?

Here’s how the scientists say it is possible.

A Wall Street Journal article entitled “Ways to Inflate Your IQ”(1)  show how you can be smarter and actually add matter to your brainThe article says:

           Many people think of IQ as a genetic trait, like brown eyes or short legs: You’re born with it and you’re stuck with it.

Now, a growing body of research is showing that a person’s IQ can rise—and even fall—over the years.

Scores can change gradually or quickly, after as little as a few weeks of cognitive training, research shows.

British students were given IQ tests and brain scans at ages 12 to 16 and again about four years later.  9% of the students showed a significant change of 15 points or more in IQ scores.

The study published in Nature said that on a scale where 90 to 110 is considered average, one student’s IQ rose 21 points to 128 from 107, lifting the student from the 68th percentile to the 97th compared with others the same age. 

MRIs in this study showed changes in gray matter in areas corresponding to fluctuations in the kid’s skills.

There are practical steps people can take to see longer-term IQ changes.  New tasks stimulate the brain most.  Young adults given just one month of intense training in juggling, found an increase in the corresponding gray matter in the brain as early as seven days after the training began.

Fluctuations in IQ scores over time underscore the brain-boosting benefits of musical training and new experiences throughout a lifetime.

Music lessons are linked to higher IQ throughout life.  Six years’ lessons lifted children’s IQ scores an average 7.5 points.

 Improve the brain through music… without lessons.

Here’s the Super Thinking story…

The educational program Merri and I developed uses a form of brain wave integration that increases IQ.

Super Thinking uses frequency (in music and a number of other ways) to integrate brain waves so the process of absorbing, processing and recalling information is vastly accelerated.  The music creates the three C’s:  Calm, Clarity and Coherence.

This Super Thinking program is not a gimmick or trick… just advanced education.

Certain types of Baroque music are the base, and they make you smarter!

Proof?

At least four best selling books, “Psychic Discoveries Behind the Iron Curtain”,  “Superlearning”, the “Mozart Effect” and “Superlearning 2000″ showed how to learn and think more powerfully based on systems drawn from the Bulgarian educational master, Dr. Georgi Lozanov.

This Baroque music tactic alone is so powerful that Small Business Innovation Research… an official site of the US government granted over $100,000 for the specific purpose they said was: to provide a method to remove barriers which hinder or prevent the employment of blind persons.  An innovative method, the Lozanov Learning System, is proposed to help train blind persons to become computer programmers and operators of automated equipment.

Merri was among just a few who learned this technique directly from Dr. Lozanov the time he visited the USA.

Our Super Thinking workshop enhanced this system with numerous other tactics.

We added slight alterations in nutrition that create a higher IQ.   Altered nutritional tips in Super Thinking can make anyone 25% smarter!

Baroque Music and nutrition are just part of seven, easy to use, learning techniques that make you smarter.

Gain any skill, from computers to athletics to conversational languages…in less time…two-to-five times faster.

Here’s a huge bonus.  Super Thinking also relieves stress.  Super Thinking is fun.

You can use a Super Thinking focus in everything:  health… earning… education… investing.

Super Thinking works on the learner first…the data second.  This system “grows the learner” rather than the information.

If you have 4.5 inches of information flowing through a 4 inch learning pipe, the solution is not to add another inch of information.  The answer is create a six inch IQ pipe!

Share our years of experience.

For nearly 50 years, Merri and I have conducted hundreds of courses and tours for tens of thousands, in dozens of countries (even behind the Iron Curtain).  Our Super Thinking Workshop has been one of the most profound.  Now the workshop is even better online because it condenses Super Thinking so you can increase your IQ, at home… right away.

The workshop shows how these mind expanding tactics can be applied to starting and running a business for extra income, to forex trading and investing.  Athletes of all types… golfing being one common sport benefit.  Our Super Thinking plan goes far beyond Lozanov and allows you to rapidly get smarter in every part of your life.

For example, real estate broker, Suzy Kurinsky took the workshop to help her learn Spanish.

She wrote: “You are the BEST!!! Your Seminar was fantastic! I am so excited. I had procrastinated fulfilling my continuing education for my Broker’s License and then just before my surgeries, I realized by expiration date isn’t Nov. 12th – it is Sept 12th. Prior to taking your course I had only completed 3 units of the required 45 units. I thought I would take your course and then complete my remaining 42 units over the next 2 weeks. However, I took one class exam on Saturday night, August 27th. I didn’t even take the cellophane off the required Course manuals until after I saw the two of you today less than 5 hours ago! I used your techniques and completed 39 units of continuing education today. I have now completed all 45 units. All of my test scores were in the 90.6-96% range.  My course exam information is listed below. I just wanted to let you know how valuable your course was to me. Thanks again!”

Super thinking can improve almost anything you do… faster, better, more fun and with less stress.

Another attendee to the Super Thinking Workshop sent this note.

 Thank you for the wonderful workshop on Super Learning + Spanish!  I really enjoyed the workshop and getting to know you.   I can see several ways to apply what I learned in the classes I teach.

Since I returned home, I have purchased some of the CDs of Baroque music and thought about which specific pieces will work best in different parts of my classes.  I am also reading Perfect Health by Deepak Chopra.  I found your discussion of this book to be very helpful in showing how to balance one’s life.  I have adjusted my daily schedule, and I can already notice a difference in my productivity.

Super Thinking can help improve your health. Super Thinking can make you rich and add richness to your life.

However the time, travel expense and workshop cost (delegates have paid up to $999) have prohibited many from getting this benefit.

That’s why we have created the workshop in electronic form.  Get Super Thinking online for less than fifty bucks.

You can order the online Super Thinking Workshop here ($49.95)

Relax in the Secret Rose Garden.

The workshop is divided into two parts.  Part one is the application… the sessions that tell you exactly what to do, what music to use and even includes two recorded sessions based around a secret rose garden that you can use.  We have kept this portion short and simple so you can easily start immediately.

Part two is a longer portion on theory.

Part one is enough.

Super Thinking is like jogging… giving results if you simply do it!

You do not have to know why Super Thinking works to increase your IQ.   But Part Two explains why you are getting the good results from Part One, if you want to know.

You might ask…”Will it work for me”?

The Super Thinking Workshop will help increase your IQ.

Our guarantee.

I guarantee it.  Order the Super Thinking Workshop.  Use it for two months.  If you are not totally satisfied… in any way, during that time, simply let me know and I’ll send a full refund… immediately… no questions asked.

Order the online Super Thinking Workshop here ($49.95)

Another Super Thinking workshop attendee wrote: Listening to the two of you during our time together has suddenly got me to thinking, and although some of the ideas still seem foreign to me,  I am at a point in my life now where I can say, “anything is possible”.   I am now willing to embrace and allow myself to experience the world of possibility and let it take me in directions I may have in the past resisted.  I really don’t know where all this is going to lead me but I am now willing to explore, develop and grow.   Thank you again for a wonderful four days!!

Inflation is a cheat… a crime when it comes to money.  Inflating your IQ to beat inflation is simple good sense.  Learn Super Thinking now with no risk.  Begin to increase your intelligence today.

Order the online Super Thinking Workshop  $49.95.

Gary

(1) Read Wall Street Journal article Ways to Inflate Your IQ

(2) See government grant records on teaching blind persons with the Lozanov method

 

(1) www.garyascott.com/2019/06/14/38755.html

(2) www.usatoday.com: Retirement if you hope to live longer find activities that bring joy

 

Malaysian Bond Potential April 2014


ENR Asset Management who look after my personal portfolio held in Copenhagen sent the following recommendation for bond buyers.

Buy: BUY 3.26% Malaysia 01.03.2018

Malaysia offers a robust growth case with GDP (gross domestic product) expected to be north of 5% in 2014. Moody’s has in November 2013 furthermore lifted the outlook to positive on the basis of the fiscal initiatives and reforms which the government presented at end-2013, including the prospect of reducing the budget deficit to 3% of GDP in 2015. The current account surplus is presently around 11.7 billion Malaysian ringgit or 5.3% of GDP.

The government has cut the corporate tax rate to 24% from 25% and has announced further reductions and cuts in personal taxes in the wake of the introduction of the goods and services tax. These are generally initiatives which are heading in the right direction and which make Malaysia more pro-business and contribute to the consolidation of the public finances.

Malaysian Chart

We expect Malaysia to benefit from the global cyclical recovery. The robust growth case, where exports also contribute to growth, will be supportive of the country’s current account balance. We are already seeing strong growth above 5%, solid current account surpluses and low unemployment currently at 3%.

The political initiatives to reduce the budget deficit and economic reforms and a possible upgrade of the credit rating from Moody’s should be supportive of the currency. One of the largest risks for the ringgit is the major foreign exposure in Malaysian government bonds and the effects of higher US yields. The risk is that investors suddenly abandon Malaysia due to rising US yields and lower global liquidity.

The bond, currently priced at 98.93 and maturing March 1 2018, offers a yearly return in Malaysian ringgit of 3.55%.

Buy 3.26% Malaysia 01.02.2018 ISIN: MYBMI1300025 S&P rating: A

For questions about ENR Asset Management contact Thomas Fischer Thomas@enrasset.com

Learn how to join Merri and me with ENR Asset Management in Montreal.

Learn about the Multi Currency Sandwich here.

To see ENR Asset Mangement’s website click here.

How to Gain With Multi Currency Value Investments

Old Accord Creates New Profits – Multi Currency Investments.

Earn more with multi currency stock market breakouts.

Improve Safety – Increase Profits

Learn how to improve the safety of your savings and investments by selecting good value and diversified investments in a multi-currency portfolio.

Few decisions are as important to your wealth as the value of the markets and currencies you invest in.  This has been our area of expertise since the 1970s and we have worked with and advised some of the largest currency traders in the world.

Gain Protection First – Against the Dollar’s Purchasing Power Loss.  In 1913 the The Federal Reserve Act created the Federal Reserve Bank to protect the purchasing power of the US dollar, which has since lost about 94% of its purchasing power.  Here is its price compared with gold since 1900.

priced in gold

Dollar chart from pricedingold.com (1)

The Fed has let the dollar lose most of its strength plus has allowed interest rates to fall so low, that safe investments cannot keep pace with the drop in purchasing power.

multi-currency-chart

Chart from Grandfather Economic Report (2)

Many investors have forgotten about the risk of a falling dollar because the greenback has been strong for the past five years.  This temporary dollar strength came after the great recession of 2009 just as there was temporary dollar strength after the great recession of the 1980s.  Then about six years after the recession, an agreement was made by major governments to weaken the dollar.

There was a severe global economic recession affecting much of the developed world in the late 1970s and early 1980s.  The United States and Japan exited the recession relatively early, but high unemployment would continue to affect Europe and the UK through to at least 1985.  As a consequence between 1980 and 1985, the US dollar had appreciated by about 50% against the Japanese yen, Deutsche mark, French franc and British pound, the currencies of the next four biggest economies at the time. Then the governments reached an agreement and exchange rate values of the dollar versus the yen declined by 51% from 1985 to 1987.

Now the world is again in the same place.  The recession is over.  Europe is a bit behind in recovery and the dollar is higher than before the recession.

There is no reason for the greenback to be  strong.

The agreement in 1985 was called the Plaza Accord.   Over just two years the greenback dropped nearly 50% versus other major currencies.  The next accord will generate great profits for those who know what to do while it ruins the purchasing power of dollar back investments.

The strong US dollar and low interest rates have created one of the biggest stock and multi currency breakout opportunities in history.  Learn how to create a plan to profit from multi currency shifts ahead.

One reason for the potential gains is that stock markets and currency values are cyclical.  Due to low interest rates created by the 2009 economic downturn, the US and a few other equity markets have risen to some of their highest prices, ever.  These markets offer very poor value now.  The steep valuation creates incredible profit potential but also hides some enormous risks.  Learn how to develop an investing strategy based of earnings, cash flows, dividends and book values to increase potential for profit and reduce the risks.

Next Extra Profit Created by Value Breakouts

Over the history of US equity markets, the  price of overall markets have risen about 9.1 percent, respectively, compounded annually.  Yet over more than a hundred years of stock market activity,  a majority of the profits have come from just a very few dramatic breakouts.

Equity markets are ruled in the short term by emotions that create unpredictable ups and downs.  Numerous fears of defaults, worries of double dip recessions, high unemployment, concerns about fiscal cliffs, hold investors back.  Yet global population growth and advances in production and prosperity are relentless economic fundamentals that increase value.

When fear holds back a a fundamentally rising value, rising profit potential grows.  Values increase as prices stagnate.  Then markets break free and rocket upwards creating wealth, prosperity and growth.

Find out which breakouts are likely to take place next.

Stocks rise from the cycle of war, productivity and demographics. Cycles create recurring profits. Economies and stock markets cycle up and down around every 15 years as shown in this graph.

stock-Charts

The effect of war cycles on the US Stock Market since 1906.

Bull and bear cycles are based on cycles of human interaction, war, technology and productivity.  Economic downturns create war.

Here is the war stock cycle.  Military struggles (like the Civil War, WWI, WWII and the Cold War: WWIII) super charge inventiveness that creates new forms of productivity…the steam engine, the internal combustion engine,  production line processes, jet engines, TV, farming techniques, plastics, telephone, computer and lastly during the Cold War, the internet.  The military technology shifts to domestic use.  A boom is created that leads to excess.  Excess leads to correction. Correction creates an economic downturn and again to war.

Learn how the Cyber War (WWIV) may change the way we live and act and how this will affect currencies and investments.

Learn:

* How to easily buy global currencies, shares and bonds.

* Trading down and the benefits of investing in real estate in Small Town USA.  We will share why this breakout value is special and why we have been recommending good value real estate in this area since 2009.

* What’s up with gold and silver?  One session looks at my current position on gold and silver and asset protection.  We review the state of the precious metal markets and potential problems ahead for US dollars.  Learn how low interest rates eliminate  opportunity costs of diversification in precious metals and foreign currencies.

* How to improve safety and increase profit with leverage and staying power.  The seminar reveals Warren Buffett’s value investing strategy from research published at Yale University’s website.  This research shows that the stocks Buffet chooses are safe (with low beta and low volatility), cheap (value stocks with low price-to-book ratios), and high quality (stocks of companies that are profitable, stable, growing, and with high payout ratios), but his big, extra profits come from leverage and staying power.  At times Buffet’s portfolio, as all value portfolios, has fallen, but he has been willing and able to wait long periods for the value to reveal itself and prices to recover.

keppler asset management chart

This chart based on a 45 year portfolio study shows that holding a diversified good value portfolio (based on a  good value strategy) for 13 month’s time, increases the probability of outperformance to 70%.  However those who can hold the portfolio for five years gain a 88% probability of beating the bellwether in the market and after ten years the probability increases to 97.5%.

Time is your friend when you use a good value strategy.  The longer you can hold onto a well balanced good value portfolio, the better the odds of outstanding success.

Learn how much leverage to use.  Leverage is like medicine, the key is dose.  Buffett leverages his portfolio at a ratio of approximately 1.6 to 1.  This rate of expansion by the way is called the “Golden Ratio”.  It is a mathematical formula that controls the growth of most natural things; trees, the shape of leaves, the spiral of shells, as well as the way economies and societies grow.

We’ll sum the strategy, how to leverage cheap, safe, quality stocks and for what period of time based on your circumstances.

Learn to plan in a way so you never run out of money.  The seminar also has a session on the importance of having and sticking to a plan.  See how success is dependent on conviction, wherewithal, and skill to operate with leverage and significant risk.  Learn a three point strategy based on my 50 (almost) years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy investing more with slow, worry free, good value investing.  Stress, worry and fear are three of an investor’s worst enemies.  These are major foundations of the Behavior Gap, a trait exhibited by most investors, that causes them to underperform any market they choose.  The behavior gap is created by natural human responses to fear.  The losses created by this gap grow when investors trade short term under stress.

Learn how to put meaning into your investing by creating profitable strategies that combine good value investments with unique, personal goals.

Learn how to span the behavior gap.  Behavior gaps are among the biggest reasons why so many investors fail.  Human evolution makes fear the second most powerful motivator.  (Greed is the third.)  Fear creates investment losses due to behavior gaps.  Fear motivates us more strongly than desire.  By nature investors are risk adverse, when they should embrace risk.  Purpose is the most powerful motivator,  stronger than fear and greed.  One powerful way to overcome the behavior gap is to invest with a purpose.

Combine your needs and capabilities with the secrets and the math of our good value model portfolio.

Share ideas about my good value portfolio.  My personal investment portfolio comes from a continual analysis of international stock markets and a comparison of 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.

Markets included in this portfolio are:

• Norway
• Australia
• Hong Kong
• Japan
• Singapore
• United Kingdom
• Taiwan
• South Korea
• China

These markets have been chosen based on four pillars of valuation.

• Absolute Valuation
• Relative Valuation
• Current versus Historic Valuation
• Current Relative versus Relative Historic Valuation

Learn how to use Country ETFs to easily construct a diversified, risk-controlled, equally weighted representative country portfolios in all of these good value countries.

To achieve this goal my portfolio consists of Country Index ETFs that track an index of shares in a specific country.  These country ETFs provide diversification into a basket of equities in the good value countries.  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.

This is an easy, simple and effective approach to zeroing in on value because little 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 pick and choose shares.  You can invest in the index which is like investing in all the shares in the index.  All you have to do is invest in an ETF that in turn invests passively in all the shares of the index.

Learn the results of a $80,000 share purchase cost test that found the least expensive way to invest in good value.  The keys to this portfolio are good value, low cost, minimal fuss and bother.  Plus a great savings of time.  Trading is minimal, usually not more than one or two shares are bought or sold in a year.  I wanted to find the very least expensive way to create and hold this portfolio so I performed a test.

The Test for Low Cost Trading

Research put every part of this portfolio in place, except knowing the best, easiest and least expensive way to buy.  A search for an optimal way to buy and hold boiled down to two methods.  One tactic to test was to use a unique online broker that appeared to offer the lowest cost deal.  The other approach was to use a community bank in Smalltown USA.  The small town bank that I use looks after my 401K trust account and their service is first class.  The benefit of small banks is that they still treat us as a human beings (instead of a number) and when we need, it’s easy to go right to the top to answer a question or get a problem resolved.  There are no call centers and the bank and the person looking after my account is just around the corner.

I created a test to see which offered the least expensive service.

Working with my banker in Smalltown USA,  I created two accounts, one at the online broker and the other at the bank. I placed $40,000 in each.

I set up the order for the country ETFs online, while my trust manager set up orders for the identical amounts of the same shares in his system.  Then we got on the phone, coordinated our timing and on a count of three each pushed the button “BUY”.

The results of this test  show how you can gain on any purchase of country ETFs.

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

Save $468.90 If You Act Now

Subscribe to the first year of The Personal investing Course (Pi).  The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription.  Plus you receive FREE the $29.95 report “Three Currency Patterns for 50% Profits or More”, the $39.95 report “Silver Dip 2017” and our latest $297 online seminar for a total savings of $468.90.

ecuador-seminar

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 2017” 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.

Your subscription will be charged $299 a year from now, but you can cancel at any time.

Gary

 

Gary

(1) Dollar chart from pricedingold.com

(2) Grandfather Economic Report

 

 

 

 

A Bond Investing Secret


Here is a bond investing secret.  Look for value… just as you do with stocks.  Look for contrasts distortions and trends that might affect value.

When you do, you can get lucky.  My British portfolio is up 9.38% in the last quarter… more than double the rise in the S&P for the same period.  That’s luck created by a search for shunned investments that provide good value.

Take for example the British pound denominated Skipton Building Society Bond mention in our August 30, 2012 post entitled “Hybrid Bonds” that said:

British Hybrid bonds are interesting as a way to diversify into British pounds.

Multi currency investors generally diversify into most major currencies but my portfolio has been shy the British pound.

This is good as this chart from www.finance.yahoo shows… it is down 21.5% versus the US dollar.

pound dollar chart 8-2012

Click to enlarge this pound/dollar chart.

This makes the pound interesting.  Britain has economic problems and is in a double dip recession. When this type of trouble comes along markets tend to oversell.   Britain’s economy and currency fundamentals such as current account and government deficit are not good, but not worse than the numbers for the USA.   A 21% drop is huge and the chart shows plenty of room for the upside of the pound versus the greenback.

currency fundmentals

From the  August 18, 2012 “Trade, exchange rates, budget balances and interest rates” at Economist.com. Click on photo to enlarge.

This makes the pound attractive so I started looking for investments in Britain.

One of my private investment brokers sent me a British pound portfolio that balances growth and income with low to medium risk.

Two of the British bonds in that portfolio offer very interesting yields.

These bonds are issued by #1: Co Op Bank and #2: Skipton Building Society.

That message explained that Skipton Building Society is Britain’s fourth largest building society (equivalent of a US Savings & Loan).

I believed that the fall in the pound, the shakiness of the British economy… the fear of European financial institutions and the European Union’s economy had created an oversold situation.

A 10% yield by a strong financial company in Britain seemed like great value so I  invested in these Skipton Bonds.  This Skipton Bond has a 10% interest rate fixed to 12th Dec 2013.

If not called on December 12, 2013 (at Skipton’s option) then for the next five years interest is fixed quarterly at 695 basis points over the 3m Libor, which is currently 0.53%. So if interest rates remain unchanged then the coupon drops to 7.48%.

This is an unusually rich floater purely as a result of the timing of the original issuance which was at the end of 2008.  The Yield to Call is quite sensitive to the price which has now gone to 101.75. At this price the bonds yield 8.3% to call.

This means my bonds have already had a nice jump… but this is just beginning because Britain’s economy and the pound are recovering.

An October 25, 2012  Bloomberg.com article entitled “U.K. Economy Surges 1% as Britain Exits Recession” by Scott Hamilton and Jennifer Ryan explains when it says: Britain Exits Double-Dip Recession, Economy Surges

Britain exited a double-dip recession in the third quarter with the strongest growth in five years as Olympic ticket sales and a surge in services helped boost the rebound.

Inflation cooled to the slowest in almost three years in September, while retail sales increased more than forecast.

Gross domestic product rose 1 percent from the three months through June, the fastest growth since 2007, the Office for National Statistics said in London today. That exceeded the highest estimate in a Bloomberg News survey for growth of 0.8 percent. The median forecast of 33 economists was 0.6 percent. The pound rose after the data were published.

This growth is good news for the world… for Europe… the British… the British pound and for pound bonds of good value.

This good news also created a double profiting my portfolio… a rising capital value of the bond and a forex profit from a stronger British pound.  I am investing more in the Skipton Bonds now though the yield has dropped to 8.3%. This still looks like a good value.

In this increasingly complex global economy sorting our good investments can be hard work.   One way to overcome much of the effort is to simply seek good  value.

Gary

Learn how to spot current good value investments at our next Super Thinking + Investing & Business seminar in Mt. Dora, Florida February 1-2-3, 2012.

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Read Bloomberg News article U.K. Economy Surges 1% as Britain Exits Recession

Hybrid Bonds


British Hybrid bonds are interesting as a way to diversify into British pounds.

Multi currency investors generally diversify into most major currencies but my portfolio has been shy the British pound.

This is good as this chart from www.finance.yahoo shows… it is down 21.5% versus the US dollar.

pound dollar chart 8-2012

Click to enlarge this pound/dollar chart.

This makes the pound interesting.  Britain has economic problems and is in a double dip recession. When this type of trouble comes along markets tend to oversell.   Britain’s economy and currency fundamentals such as current account and government deficit are not good, but not worse than the numbers for the USA.   A 21% drop is huge and the chart shows plenty of room for the upside of the pound versus the greenback.

currency fundmentals

From the  August 18, 2012 “Trade, exchange rates, budget balances and interest rates” at Economist.com. Click on photo to enlarge.

This makes the pound attractive so I started looking for investments in Britain.

One of my private investment brokers sent me a British pound portfolio that balances growth and income with low to medium risk.

Two of the British bonds in that portfolio offer very interesting yields.

These bonds are issued by #1: Co Op Bank and #2: Skipton Building Society.

Co-Operative Bank 5⅞% Variable due 02/04/19  sold at a discount of 93.5  yields 6.3%.

The Coupon fixed until first call date 02/04/14 when if not called at 100 coupon becomes variable fixed annually on the 5 year Gilt yield plus 2.25%.  Yield to call is 10% pa.

The Co-operative Bank plc is a commercial bank in the United Kingdom and Guernsey, with its headquarters in Manchester.

The bank markets itself as an ethical bank, and refuses to invest in companies involved in the arms trade, global climate change, genetic engineering, animal testing and use of sweated labour as stated in its ethical policy. The ethical policy was introduced in 1992.

Recently the bank committed 300 million pounds ($482 million) in loans for U.K. renewable energy projects in 2102 and said it may increase its overall lending target, its head of renewables said. The bank is also in the process of buying over 600 branch of TSB bank from Lloyds bank group which will make Co Op bank the fourth largest UK main street bank.

See more on Co Op Bank below.

Co Op Bank at Wikipedia

Skipton Building Society 10% Variable Bond due 12/12/18  at @ 97 yields 10.1%.

The Skipton coupon is fixed until the first call date of 12/12/13.  If not called at 100 the coupon becomes variable fixed annually on the 30month LIBOR yield plus 6.95%.  Yield to call is 12% per annum.

Established in 1853, Skipton was among the first building societies and is Britain’s fourth largest building society with £13.9bn of assets and over 100 branches across the UK.  They just reported a £22.3m pre-tax profit for the six months ending June 30, 2012, an increase of 253 per cent on the £6.3m profit it made in the first six months of last year.

British Bond ETF

For investors who want broader diversification into higher yield British bonds the “iShares Markit iBoxx GBP Corporate Bond 1-5 ETF” is open to almost all investors.

The British bond market is a large one mainly supported by pension fund investors … who  typically invest in long term bonds.

Bond prices move conversely to interest rates and because interest rates are so low… the potential for capital gains are dramatically reduced in the bond sector.  The longer dated a bond the more it is affected by interest rate changes. This means that in periods of very low interest rates (like now) short term bonds are safer.

This new 1-5 ETF  is restricted to corporate bonds with maturities of five years or less and minimum outstanding of GBP 100mn. The ETF invests in the index that shows a broad 60/40 split between financial and non-financial bonds, with some 45%  rated A rating and around 30% BBB. The ETF denominated in British pounds.

Brit financial charts

This is the iShares Markit iBoxx GBP Corporate Bond 1-5 ETF performance chart for the last year.  This ETF has a trading symbol IS15 on the London Stock Exchange.

Brit financial charts

Here is this ETF’s performance over the last year according to Bloomberg.

Learn about our report… “Borrow Low Deposit High-How to be a Multi Currency Investor

Being a multi currency investor adds safety, stability and extra profit opportunity especially in this volatile global economy.   The British pound is a currency to consider adding for a long term investment now.

Gary

Learn more about investing in Multi Currency bonds at our October 5-6-7 Super Thinking + International Investing and Business seminar.

More on Co OP Bank

More on Skipton Building Society

 

Buying Better Bonds


Better Buy Bond… or Better Buy Bonds? These are the questions!

Better Buy Bonds

Long term readers at this site have known about the potential in bonds and value for many years.

A January 5, 2012 USA Today article entitled: “Why are bonds outperforming stocks over long term?” by Matt Krantz confirms what we have shared when it said:   Despite a reputation for being a slow-growing alternative to stocks for the risk-averse, bonds just passed stocks’ long-term performance over the past 30 years.

Given the rally in bonds in 2011, it might not be surprising that the Ibbotson Associates SBBI bonds index, a broad bond measure, returned 28% last year, crushing the 2.1% return of the Standard & Poor’s 500 including dividends. The bond index also topped stocks for the past 10 and 20 years.

What’s more surprising, though, since it contradicts the widespread belief that stocks beat bonds, is that the Ibbotson Associates SBBI bond index has returned 11.03% a year on average over the past 30 years, edging out the 10.98% return of stocks.

Bonds’ impressive run is being powered by several factors, including:

•Distrust of the stock market’s future. An entire class of investors is rattled by a dismal decade for stocks, including double-digit losses in four separate years since 2000, says Bill Larkin of Cabot Money Management. “People are looking at the (stock market) and seeing the casino component,” he says. “They’ve taken big hits.”

•Search for investment income. Aging Americans nearing or in retirement are deciding they crave steady income and don’t have the stomach for stocks’ higher volatility, Winans says.

•Historic declines in interest rates and inflation. The continual movement down in interest rates and inflation the past 30 years has been a boon for bonds, which rise in price as interest rates fall, says Charles Crane of Douglass Winthrop Advisors.

It would be a mistake to assume that bonds’ strong run over the 30 years is destined to repeat, says Mark Hebner of Index Funds Advisors. Bonds have had stock-beating periods before, but stocks, over the very long term, still have beaten bonds, he says.

Our multi currency lessons have always stressed value analysis and early lessons over a decade ago stressed:

Equity investors should always look for value because market timing does not work.

Early multi currency lessons published even before we started the website convinced me of this fact many years ago that trying to decide when the market is going to rise or fall is not much better than playing roulette where the odds of winning are about 36 to 1.

This is a much older Ibbotson chart we have shared many times over the years.


multi-currency-ibbotson-chart

This chart reflects a 1993 study by Ibbotson and shows how from 1926 to 1993 (804 months) equities dramatically appreciated more than treasury bills. Yet if you deducted the best 30 months of equity appreciation in that 804 months the equities performed worse than treasury bills.

All the extra growth above low treasury bill rates over 67 years was earned in just 30 months. That gives us about a 1 in 27 chance of “guessing” correctly. I say “guess” because after 40 years of being involved in equity markets, I have learned that there is always something we do not know!

Plus I would be willing to bet that most of those months that had extraordinary growth came right after a period when shares performed badly…the time when investors least expected this growth.

Equity markets rarely shout, “hey I have been bad. Now I am going to catch up.”

This is why my personal portfolio breakdown is reversed from the norm. Most investment advisers suggest 70-% equities, 30% bonds.  My portfolio is closer to 70% bonds and 30% equities.

Plus we have rentals here in the Blue Ridge as well asFlorida, Cotacachi and San Clemente.

Here is our portfolio at JYSKE this time so you can see how we have spread out.

    Type          Int.    Rate    % of portfolio

Savings US  $  0.125%    5%    Currency
Savings EUR    0.125%    1%     Euro
Savings Pounds          2%     GBP

Equities

JI European Equity    5%     Euro
Suntec Reit           2%     SGD
Hyflux Water            2%     SGD
Jyske Bank shares       3%     DKK
KGHM Polska Miedz (Copper Silver) 4%   PLN
Brookfield Renewable Power  5% CAD
Unicredit Itakian Bank  1%     Euro
Axel Springer AG German Publisher  Euro 1%
Sky Deutschland AG German TV   Euro 1%
Silver Wheaton Corporation Silver  5% US$

Bonds
Ishares Maci Latin Amer 6%     Mixed Latin
JI Emerging Local Bonds 5%     Mixed
JI Emergin Market Bonds    4%     Mixed
Mexican Bonos    MxnGvt  4%     MXN    Rate 8.000%   Mature 19.12.2013
Bond    Bombardier Inc.    2%     Can$        7.250%      15.11.2016
Bond    Rabobank, Nederland 4% NOK         4.000%      29.05.2013
Bond European Investment 5%    AUD         6.000%          14.08.2013
Bond Kreditanstalt Für     6%    CAD         4.950%      14.10.2014
Bond European Ivtment BK 6%    NZD         6.500%          10.09.2014
Euro Invment BK Turkey   3%    TRY        10.000%      28.01.2011
Euro Investment BK Brazil 5%    BRL        11.125%          14.02.2013
Bond Brazil GVT            3%    BRL        12.500%      05.01.2016
Bond Brazil GVT            3%    BRL        12.500%      05.01.2016
Bond Euro Invment BK    3%    AUD         6.000%      14.08.2013
Bond Kreditanstalt Für   2%    NZD         6.250%      15.04.2013
Bond Euro Invment BK    3%    PLN         6.500%      12.08.2014
Bond Mexican Fixed Rate    3%    MXN         8.000%      17.12.2015

Loan                    -3%    USD     Interest rate 2.5%

Buy Better Bonds

I have just completed a report Buying Better Bonds.  Multi Currency Portfolio subscribers can read this report at their password protected site here.

This report shows four recommended bonds now in Mexican peso, Briths pounds and euro, plus bond funds…ETFs and a special bond buying trick.

Here is an excerpt from the report.

We’ll look at some good bonds to invest in right now, but first let’s look at a great bond trick I have used numerous times.  In the past several turbulent years there have been several times when bond markets seemed so shaky that dealers quoted very high spreads.  

For example you’ll see below the  Mexican MBONO 8% 19-12-2013 B74257 at the price of 105.9 the yield to maturity is 4.8% with a credit rating of A-. That 105.9 means that the cost of a $10,000 bond is 105.9  Normally the spread will be very low… maybe 105.9 – 105.4. This means you buy a $10,000 bond for  10,590 but can only sell it for $10,540. In other words a part of the cost of buying the bond (IF YOU SELL IT IMMEDIATELY) will be a $500 loss.

In times of fear these spreads widen… several times to unprecedented gaps.  Bonds in this situation become bargains IF you do not plan to sell then but plan to hold them till maturity because the spread becomes zero upon sale.

The market tends to run away from bonds during high spread periods and this pushes up the yields… IF HELD LONG TERM.  Watch for these high spread scenarios of you are willing to buy the bond and hold to maturity.

Learn how to get a Multi Currency Portfolio password.

Gary

Learn about multi currency bonds at our February 22-23-24 International Investing and Business Seminar in Mt. Dora, Florida.

Better Still. Join the International Club and join us for updates all year long.

Belong to the International Club

The Huge 2019 Risk

Here is a huge risk that could explode in 2019.

I hope I am wrong… but the numbers are clear.

According to Treasurydirect.com, (1) as of December 27, 2018 the cost of interest on the total US public debt of $21,845,329,154,412.01.  Tht’s 23 trillion and 845 billion dollars.

This is not a theoretical problem for the future.  This is not something that our children and grandchildren will have to deal with.  This is a problem in the here and now for you and me.

Rising interest rates create a massive problem for every American.

US debt

The good news is I sent a note like this last year ad I was wrong.

Last year when I sent that note the debt was $20,467,375,664,755.32 (20 trillion+).  The debt has increased almost 1.4 trillion dollars in 2018.

This is good news and bad… the rock and the hard spot.  The bad news is that the rock (US federal debt) is getting bigger….harder to miss.  The Congressional Budget Office (CBO) projected in 2010 (the debt then was a bit over 14 trillion then) that, under law at that time, debt held by the public would exceed $16 trillion by 2020, reaching nearly 70 percent of GDP.

The $5 Trillion Error.

They sure goofed on that.  Here we are… only in 2019 and debt has shot past 21 trillion.

How could the CBO be so wrong? 

The CBO screwed up because they could never imagine that the Fed would push interest rates so low… and keep them there.  The interest rates are so low that the government has been able to borrow more than imagined and still afford the interest.

For example, US Federal government interest last year amounted to around $483 billion on the 20 trillion of debt.  Yet in 2008 on debt of only $9,229,172,659,218.31 (9 trillion +) the interest that year was $451,154,049,950.63 (451 billion +).

Interest payments in 2017 were 7% higher than they were in 2008.  Yet the debt is over 100% higher.  

Very low interest rates have helped the government borrow.  Low interest has also helped the US stocks reach all time high prices.

Now US dollar interest rates are rising.  In 2018 the interest costs were 8.2% higher than in 2017.   Yet the debt increase was only 6.7%.

The government will resist raising rates because it will ruin their budget, cause a collapse of the stock markets and destroy the US dollar.

Here is the very hard spot.  

Rising interest rates, will create an almost unimaginable debt crisis.  If government interest goes to 6% it is like the $20+ trillion national debt  rising to 40 trillion!  Unless there are some huge tax increase the interest payments are not sustainable.

A tax increase?  Last year’s tax act reduced, not increased, revenue.

Learn how to have more freedom and time, less stress, better health care, extra income, greater safety and profit in your savings despite America’s deficits, debt and currency risk.

Fortunately there are secrets that will allow a few to live much better, free of debt and worry despite the decline in the dollar’s purchasing power.   My wife, Merri and I, have traveled, lived, worked and invested around the world for nearly 50 years to gain this information.

Let me share the basics of this data and how we can be of help through 2018.

The first fact behind this secret is that things are really good in the western world.  Despite many problems, we are surrounded by more abundance and greater opportunity than almost anyone has ever enjoyed, anywhere, ever.   To enjoy a fair share of this wealth, all we have to do is understand human nature and learn how to invest in the new economy, as it changes and becomes new, again and again.

Merri and I have made seven huge transitions in the 50 years.  Each has allowed us to always stay ahead of losses that the majority of Americans suffer.  We are in another transition right now and want to share why and what to do so you can stay ahead and live a richer, independent life through 2019 and beyond.

A falling US dollar is one of the greatest risks we have to our independence, safety, health, and wealth, but also brings a window of huge profit as I explain below.   Though the greenback has been strong for a number of years, its strength is in serious jeopardy.  The growing federal deficits increase the national debt and this with rising interest rates propels a growing debt service.

While the Dow Jones Industrial Average passed 25,000, the U.S. national debt passed the $20 trillion mark.

The problem is that the Dow will come back down.  National debt will not fall.

The double shock of money fleeing Wall Street and US debt skyrocketing, will destroy the purchasing power of the greenback.

Go to the store even now.  Statistics say inflation is low, but buy some bread or, heaven forbid, some fresh vegetables like peppers or fruit.   Look at the cost of your prescription or hospital bills.  Do something simple like have your car serviced at an auto dealer.  Look at the dollars you spend and you’ll see what I mean.

The loss of the dollar’s purchasing power erodes our independence, our freedom and our savings and wealth as well. 

At the same time, low interest rates by big banks and higher health care costs soak up the ever diminishing income and savings we have left.  According to a Gallup poll, the most unpopular three institutions in America are big corporations & Wall Street banks, HMOs and Congress.

Yet there is little we can do because these institutions are in control.

Over the last 50 years the average income for 90 percent of the American population fell.  Our health system is restricted by a Kafka-esque maze of legislation and insurance regulations that delay, frustrate, and thwart attempts by patients and doctors from proper medical care.  Big banks and corporations restrict our freedom of choice.  The business customer relationships are no longer transactions between free equals.

Banks can trap us in indebtedness at every age from student loans to mortgages to health care costs.  They pay almost nothing on our savings.  They hide unexpected fees and payments in complex and unreadable documents.  Banks and big corporations routinely conceal vital information in small print and then cheat.  Weak regulations and lax enforcement leave consumers with few ways to fight back.  Many of these businesses ranging from cable TV to phone and internet service to health insurance have virtual monopolies that along with deceptive marketing destroys any form of free market.

These same companies control the credit-scoring agencies so if  we don’t pay unfair fees, our credit scores will plunge and we could lose the ability to borrow money, rent an apartment, even to get a job.  Many consumers are forced to accept “arbitration clauses” in lieu of  legal rights.  The alternative is to lose banking, power, and communication services.

Big business has also usurped our privacy.  Internet companies sell our personal data.  Personal information is pulled from WiFi and iPhones track and store our movements.  The government can access this information, sometimes without subpoenas.  There’s a lot that we don’t know, often withheld under the guise of “National Security.”

The glow on Western democratic capitalism has dimmed… or so it seems.  The US, leading the way, is still a superpower with economic, innovation and military might, but the institutions that should serve the people have become flawed or broken.

America’s infrastructure is in shambles.  The nation’s bridges are crumbling, many water systems are filled with toxins, yet instead of spending more to fix this, we build more prisons.  The 2.2 million people currently in  jail is a 500 percent increase over the past thirty years.  60% of the inmates belong to ethnic groups.  Not just non-white ethnic groups are suffering.  Annual death rates are falling for every group except for middle-aged white Americans.  Death rates are rising among this group driven by an epidemic of suicides and afflictions stemming from substance abuse, alcoholic liver disease and overdoses of heroin and prescription opioids.

America’s middle class is shrinking.  Nearly  half of America’s income goes to upper-income households now.  In 1970 only 29 percent went to this group.  How can we regain our freedom, our happiness and our well being in such a world?

What can we do?

Gain a better, freer life is to combine better health, higher income and greater savings for a happier, more resilient lifestyle. 

Merri and I will celebrate our 50th year of global living, working, investing and researching to find and share ideas on how to have simpler, low stress, healthier, more affluent lifestyles.  Our courses, reports and email messages look at ways to gain:

#1:  Global micro business income.

#2:  Low cost, natural health.

#3:  Safer, more profitable, investments that take little time or cost to buy and hold… so you can focus on earning more instead

Many readers use our services for just one of these three benefits.  They focus only on health or on earning more or on better, easier investing.

28 years ago Merri and I created the International Club as a way for readers to join us and be immersed in all three of these benefits.   The International Club is a year long learning program aimed at helping members earn worry free income, have better affordable good health and gain extra safety and profits with value investments.

Join us for all of 2019 NOW.

The three disciplines, earning, health and investing, work best when coordinated together.  Regretfully the attacks on our freedom are realities of life.  There is little we can do to change this big picture.  However we can change how we care for our health, how we earn and how we save so that we are among the few who live better despite the dollar’s fall.

We start with better lower cost health care.

Club membership begins by sharing ways to be free of the “Secret Hospital Charge Master”.   Just as governments hide truth behind “National Security”, big health care businesses hide medical truths behind “Charge masters”.  Most hospital charge masters are secret because big business does not want us to know how much hospital costs have risen.  Motivations beyond our good health, like corporate greed, want to keep us in the dark about health care cost.

Despite rising health care costs, a report from the Centers for Disease Control & Prevention shows that hospitals are the last place we want to be for good health.  One report shows that hospital-acquired infections alone kills 57% more Americans every year than all car accidents and falls put together.

Often, what patients catch in the hospital can be worse than what sent them there.  Governments and health care agencies agree  – antibiotic resistance is a “nightmare.”  An antibiotic-resistant bacteria may be spreading in more hospitals than patients know.  About one in every 25 hospitalized patients gets an infection and a report from the Journal of Patient Safety showed that medical errors are the third-leading cause of death in the country.

Along with the risk of hospital acquired illness and medical errors, the second huge threat to our well being… is health care costs, especially at hospitals.  This is why charge masters are so often secret.  There are few risks to our wealth that are greater than a hospital stay.

I have created three natural health reports are about:

#1: Nutrition

#2: Purification

#3: Exercise

Each report is available for $19.95.  However you’ll receive this free as club member and save $59.85.

Club members also receive seven workshops and courses on how earn everywhere with at home micro businesses.  We call this our “Live Well and Free Anywhere Program”.   The program contains a series of courses and reports that show ways to earn and be free. These courses and reports are:

  • “International Business Made EZ”
  • “Self Fulfilled – How to Write to Sell”
  • Video Workshop by our webmaster David Cross,
  • The entire weekend “Writer’s Camp” in MP3
  • The report “How to Raise Money Abroad”
  • Report and MP3 Workshop “How to Gain Added Success With Relaxed Concentration”
  • The course “Event-Full – How to Earn Conducting Seminars and Tours”

This program is offered at $299, but is available to you as a club member free.  You save $299 more.

Next, club members participate in an intensive program called the Purposeful investing Course (Pi).  The purpose of Pi is finding value investments that increase safety and profit.  Learn Slow, Worry Free, Good Value Investing.

Stress, worry and fear are three of an investor’s worst enemies.  These destroyers of wealth can create a Behavior Gap, that causes investors to underperform in any market good or bad.  The behavior gap is created by natural human responses to fear.  Pi helps create profitable strategies that avoid losses from this gap.

Lessons from Pi are based on the creation and management of a Primary Pi Model Portfolio, called the Pifolio.  There are no secrets about this portfolio except that it ignores the stories from economic news (often created by someone with vested interests) and is based mainly on good math that reveals the truth through financial news.

The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets using my 50 years of global experience and my study of the analysis of four mathematical investing geniuses (and friends).

There are seven layers of tactics in the Pi strategy.

Pi Tactic #1: Determine purpose and good value.

Pi Tactic #2: Diversify 70% to 80% of portfolio equally in good value developed markets.

Pi Tactic #3: Invest 20% to 30% equally in good value emerging markets.

Pi Tactic  #4:  Use trending algorithms to buy sell or hold these markets.

Pi Tactic  #5:  Add spice speculating with ideal conditions.

Pi Tactic  #6: Add spice speculating with leverage.

Pi Tactic  #7:  Add spice speculating with forex potential.

The Pifolio analysis begins with a continual research of international major stock markets that compares their value based on:

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return

#7:  Market history

We combine the research of several brilliant mathematicians and money managers with my years of investing experience.

This is a complete and continual study of what to do about the movement of international major and emerging stock markets.  I want to share this study throughout the next year with you.

This analysis forms the basis of a Good Value Stock Market Strategy.  The analysis is rational, mathematical and does not worry about short term ups and downs.  This strategy is easy for anyone to follow and use.  Pi reveals the best value markets and provides contacts to managers and analysts and Country Index ETFs so almost anyone can create and follow their own strategy.

The costs are low and this type of ETF is one of the hardest for institutions to cheat.  Expense ratios for most ETFs are lower than those of the average mutual fund.  Little knowledge, time, management or guesswork are required.  The investment is simply a diversified portfolio of good value indices.  Investments in an index are like investments in all the shares of a good value market.

Pi opens insights to numerous long term cycles that most investors miss because they have not been investing long enough to see them.

The Pi subscription is normally $99 per annum but as a club member you receive Pi at no charge and save an additional $99.

Profit from the US dollar’s fall.

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!

Club members receive a report about opportunity in the  current strength of the US dollar is a second remarkable similarity to 30 years ago.   The 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 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 when you become a club member you receive the report, “Three Currency Patterns For 50% Profits or More” FREE.

Plus get the $39.99 report, “The Platinum Dip 2019” free.

With investors watching global stock markets bounce up and down, many missed two really important profit generating events.  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 and has remained near this level, compared to a range of the 230s only two years ago.

Now there is a new distortion ready to ripen in the year ahead.

These two events are a strong sign to invest in precious metals.

I prepared a special report “Platinum Dip 2019”.   The report explains the exact conditions you need to make leveraged precious metal speculations that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share long term lessons about speculating in precious metals gained through 30 years of speculating and investing in gold and silver.

The low price of silver offers special value now so I want to send you this report because the “Platinum Dip 2018” offers enormous profit potential in 2018.

The report “Platinum Dip 2019” sells for $39.95 but club members receive it free as well.

The $39.95 new “Live Anywhere – Earn Everywhere Report” is also free.

There is an incredible new economy that’s opening for those who know what to do.  There are great new opportunities and many of them offer enormous income potential but also work well in disaster scenarios.

There are are specific places where you can reduce your living expenses and easily increase your income.  Scientific research has shown that being in such places actually make you smarter and healthier.  Top this off with the fact that they provide tax benefits as well and you have to ask, “Where are these places?”.

Learn about these specific places.  More important learn what makes them special.  Discover seven freedom producing steps that you can use to find other similar places of opportunity.

The report includes a tax and career plan broken into four age groups, before you finish school, from age 25 to 50 – age 50-to 65 and what to do when you reach the age where tradition wants you to re-tire.  (Another clue-you do not need to retire and probably should not!)

The report is very specific because it describes what Merri and I, our children and even my sister and thousands of our readers have done and are doing, right now.

Live Anywhere – Earn Everywhere focuses on a system that takes advantage of living in Smalltown USA, but earning locally and globally.

This report is available online for $39.99 but International Club members receive it free.

Save $418.78… “plus more” when you become a club member.

Join the International Club and receive:

#1: The $99 Personal investing Course (Pi).   Free.

#2: The $299 “Live Well and Free Anywhere Program”. Free.

#3: The $29.95 report “Three Currency Patterns For 50% Profits or More”. Free.

#4: The $39.99 report “Platinum Dip 2018”. Free

#5: The three $19.99 reports “Shamanic Natural Health”.  All three free.

#6: The $39.99 “Live Anywhere – Earn Everywhere” report. Free.

#7: A year’s follow up subscription to the Purposeful investing course… Plus more.

These reports, courses and programs would cost $527.92 so the 2018 membership saves $117.92.

Join the International Club for $349 and receive all the above online now, plus all reports, course updates and Pi lessons 2019 at no additional fee.

Click here to become a member at the discounted rate of $349

Gary 

(1) www.treasurydirect.gov/NP/debt/current

 

Read “Why are bonds outperforming stocks over long term?”

Buy Better Bonds


Better Buy Bond… or Better Buy Bonds? These are the questions.

Better Buy Bonds

Long term readers at this site have known about the potential in bonds and value for many years.

A January 5, 2012 USA Today article entitled: “Why are bonds outperforming stocks over long term?” by Matt Krantz confirms what we have shared when it said:   Despite a reputation for being a slow-growing alternative to stocks for the risk-averse, bonds just passed stocks’ long-term performance over the past 30 years.

Our multi currency lessons have always stressed value analysis and early lessons over a decade ago stressed:

Equity investors should always look for value because market timing does not work.

Early multi currency lessons published even before we started the website convinced me of this fact many years ago that trying to decide when the market is going to rise or fall is not much better than playing roulette where the odds of winning are about 36 to 1.

This is a much older Ibbotson chart we have shared many times over the years.


multi-currency-ibbotson-chart

This chart reflects a 1993 study by Ibbotson and shows how from 1926 to 1993 (804 months) equities dramatically appreciated more than treasury bills. Yet if you deducted the best 30 months of equity appreciation in that 804 months the equities performed worse than treasury bills.

Buy Better Bonds

I have just completed a report Buying Better Bonds.  Multi Currency Portfolio subscribers can read this report at their password protected site here.

Learn how to get a Multi Currency Portfolio password.

Gary

Learn about multi currency bonds at our February 22-23-24 International Investing and Business Seminar in Mt. Dora, Florida.

Better Still. Join the International Club and join us for updates all year long.

Belong to the International Club

The Huge 2019 Risk

Here is a huge risk that could explode in 2019.

I hope I am wrong… but the numbers are clear.

According to Treasurydirect.com, (1) as of December 27, 2018 the cost of interest on the total US public debt of $21,845,329,154,412.01.  Tht’s 23 trillion and 845 billion dollars.

This is not a theoretical problem for the future.  This is not something that our children and grandchildren will have to deal with.  This is a problem in the here and now for you and me.

Rising interest rates create a massive problem for every American.

US debt

The good news is I sent a note like this last year ad I was wrong.

Last year when I sent that note the debt was $20,467,375,664,755.32 (20 trillion+).  The debt has increased almost 1.4 trillion dollars in 2018.

This is good news and bad… the rock and the hard spot.  The bad news is that the rock (US federal debt) is getting bigger….harder to miss.  The Congressional Budget Office (CBO) projected in 2010 (the debt then was a bit over 14 trillion then) that, under law at that time, debt held by the public would exceed $16 trillion by 2020, reaching nearly 70 percent of GDP.

The $5 Trillion Error.

They sure goofed on that.  Here we are… only in 2019 and debt has shot past 21 trillion.

How could the CBO be so wrong? 

The CBO screwed up because they could never imagine that the Fed would push interest rates so low… and keep them there.  The interest rates are so low that the government has been able to borrow more than imagined and still afford the interest.

For example, US Federal government interest last year amounted to around $483 billion on the 20 trillion of debt.  Yet in 2008 on debt of only $9,229,172,659,218.31 (9 trillion +) the interest that year was $451,154,049,950.63 (451 billion +).

Interest payments in 2017 were 7% higher than they were in 2008.  Yet the debt is over 100% higher.  

Very low interest rates have helped the government borrow.  Low interest has also helped the US stocks reach all time high prices.

Now US dollar interest rates are rising.  In 2018 the interest costs were 8.2% higher than in 2017.   Yet the debt increase was only 6.7%.

The government will resist raising rates because it will ruin their budget, cause a collapse of the stock markets and destroy the US dollar.

Here is the very hard spot.  

Rising interest rates, will create an almost unimaginable debt crisis.  If government interest goes to 6% it is like the $20+ trillion national debt  rising to 40 trillion!  Unless there are some huge tax increase the interest payments are not sustainable.

A tax increase?  Last year’s tax act reduced, not increased, revenue.

Learn how to have more freedom and time, less stress, better health care, extra income, greater safety and profit in your savings despite America’s deficits, debt and currency risk.

Fortunately there are secrets that will allow a few to live much better, free of debt and worry despite the decline in the dollar’s purchasing power.   My wife, Merri and I, have traveled, lived, worked and invested around the world for nearly 50 years to gain this information.

Let me share the basics of this data and how we can be of help through 2018.

The first fact behind this secret is that things are really good in the western world.  Despite many problems, we are surrounded by more abundance and greater opportunity than almost anyone has ever enjoyed, anywhere, ever.   To enjoy a fair share of this wealth, all we have to do is understand human nature and learn how to invest in the new economy, as it changes and becomes new, again and again.

Merri and I have made seven huge transitions in the 50 years.  Each has allowed us to always stay ahead of losses that the majority of Americans suffer.  We are in another transition right now and want to share why and what to do so you can stay ahead and live a richer, independent life through 2019 and beyond.

A falling US dollar is one of the greatest risks we have to our independence, safety, health, and wealth, but also brings a window of huge profit as I explain below.   Though the greenback has been strong for a number of years, its strength is in serious jeopardy.  The growing federal deficits increase the national debt and this with rising interest rates propels a growing debt service.

While the Dow Jones Industrial Average passed 25,000, the U.S. national debt passed the $20 trillion mark.

The problem is that the Dow will come back down.  National debt will not fall.

The double shock of money fleeing Wall Street and US debt skyrocketing, will destroy the purchasing power of the greenback.

Go to the store even now.  Statistics say inflation is low, but buy some bread or, heaven forbid, some fresh vegetables like peppers or fruit.   Look at the cost of your prescription or hospital bills.  Do something simple like have your car serviced at an auto dealer.  Look at the dollars you spend and you’ll see what I mean.

The loss of the dollar’s purchasing power erodes our independence, our freedom and our savings and wealth as well. 

At the same time, low interest rates by big banks and higher health care costs soak up the ever diminishing income and savings we have left.  According to a Gallup poll, the most unpopular three institutions in America are big corporations & Wall Street banks, HMOs and Congress.

Yet there is little we can do because these institutions are in control.

Over the last 50 years the average income for 90 percent of the American population fell.  Our health system is restricted by a Kafka-esque maze of legislation and insurance regulations that delay, frustrate, and thwart attempts by patients and doctors from proper medical care.  Big banks and corporations restrict our freedom of choice.  The business customer relationships are no longer transactions between free equals.

Banks can trap us in indebtedness at every age from student loans to mortgages to health care costs.  They pay almost nothing on our savings.  They hide unexpected fees and payments in complex and unreadable documents.  Banks and big corporations routinely conceal vital information in small print and then cheat.  Weak regulations and lax enforcement leave consumers with few ways to fight back.  Many of these businesses ranging from cable TV to phone and internet service to health insurance have virtual monopolies that along with deceptive marketing destroys any form of free market.

These same companies control the credit-scoring agencies so if  we don’t pay unfair fees, our credit scores will plunge and we could lose the ability to borrow money, rent an apartment, even to get a job.  Many consumers are forced to accept “arbitration clauses” in lieu of  legal rights.  The alternative is to lose banking, power, and communication services.

Big business has also usurped our privacy.  Internet companies sell our personal data.  Personal information is pulled from WiFi and iPhones track and store our movements.  The government can access this information, sometimes without subpoenas.  There’s a lot that we don’t know, often withheld under the guise of “National Security.”

The glow on Western democratic capitalism has dimmed… or so it seems.  The US, leading the way, is still a superpower with economic, innovation and military might, but the institutions that should serve the people have become flawed or broken.

America’s infrastructure is in shambles.  The nation’s bridges are crumbling, many water systems are filled with toxins, yet instead of spending more to fix this, we build more prisons.  The 2.2 million people currently in  jail is a 500 percent increase over the past thirty years.  60% of the inmates belong to ethnic groups.  Not just non-white ethnic groups are suffering.  Annual death rates are falling for every group except for middle-aged white Americans.  Death rates are rising among this group driven by an epidemic of suicides and afflictions stemming from substance abuse, alcoholic liver disease and overdoses of heroin and prescription opioids.

America’s middle class is shrinking.  Nearly  half of America’s income goes to upper-income households now.  In 1970 only 29 percent went to this group.  How can we regain our freedom, our happiness and our well being in such a world?

What can we do?

Gain a better, freer life is to combine better health, higher income and greater savings for a happier, more resilient lifestyle. 

Merri and I will celebrate our 50th year of global living, working, investing and researching to find and share ideas on how to have simpler, low stress, healthier, more affluent lifestyles.  Our courses, reports and email messages look at ways to gain:

#1:  Global micro business income.

#2:  Low cost, natural health.

#3:  Safer, more profitable, investments that take little time or cost to buy and hold… so you can focus on earning more instead

Many readers use our services for just one of these three benefits.  They focus only on health or on earning more or on better, easier investing.

28 years ago Merri and I created the International Club as a way for readers to join us and be immersed in all three of these benefits.   The International Club is a year long learning program aimed at helping members earn worry free income, have better affordable good health and gain extra safety and profits with value investments.

Join us for all of 2019 NOW.

The three disciplines, earning, health and investing, work best when coordinated together.  Regretfully the attacks on our freedom are realities of life.  There is little we can do to change this big picture.  However we can change how we care for our health, how we earn and how we save so that we are among the few who live better despite the dollar’s fall.

We start with better lower cost health care.

Club membership begins by sharing ways to be free of the “Secret Hospital Charge Master”.   Just as governments hide truth behind “National Security”, big health care businesses hide medical truths behind “Charge masters”.  Most hospital charge masters are secret because big business does not want us to know how much hospital costs have risen.  Motivations beyond our good health, like corporate greed, want to keep us in the dark about health care cost.

Despite rising health care costs, a report from the Centers for Disease Control & Prevention shows that hospitals are the last place we want to be for good health.  One report shows that hospital-acquired infections alone kills 57% more Americans every year than all car accidents and falls put together.

Often, what patients catch in the hospital can be worse than what sent them there.  Governments and health care agencies agree  – antibiotic resistance is a “nightmare.”  An antibiotic-resistant bacteria may be spreading in more hospitals than patients know.  About one in every 25 hospitalized patients gets an infection and a report from the Journal of Patient Safety showed that medical errors are the third-leading cause of death in the country.

Along with the risk of hospital acquired illness and medical errors, the second huge threat to our well being… is health care costs, especially at hospitals.  This is why charge masters are so often secret.  There are few risks to our wealth that are greater than a hospital stay.

I have created three natural health reports are about:

#1: Nutrition

#2: Purification

#3: Exercise

Each report is available for $19.95.  However you’ll receive this free as club member and save $59.85.

Club members also receive seven workshops and courses on how earn everywhere with at home micro businesses.  We call this our “Live Well and Free Anywhere Program”.   The program contains a series of courses and reports that show ways to earn and be free. These courses and reports are:

  • “International Business Made EZ”
  • “Self Fulfilled – How to Write to Sell”
  • Video Workshop by our webmaster David Cross,
  • The entire weekend “Writer’s Camp” in MP3
  • The report “How to Raise Money Abroad”
  • Report and MP3 Workshop “How to Gain Added Success With Relaxed Concentration”
  • The course “Event-Full – How to Earn Conducting Seminars and Tours”

This program is offered at $299, but is available to you as a club member free.  You save $299 more.

Next, club members participate in an intensive program called the Purposeful investing Course (Pi).  The purpose of Pi is finding value investments that increase safety and profit.  Learn Slow, Worry Free, Good Value Investing.

Stress, worry and fear are three of an investor’s worst enemies.  These destroyers of wealth can create a Behavior Gap, that causes investors to underperform in any market good or bad.  The behavior gap is created by natural human responses to fear.  Pi helps create profitable strategies that avoid losses from this gap.

Lessons from Pi are based on the creation and management of a Primary Pi Model Portfolio, called the Pifolio.  There are no secrets about this portfolio except that it ignores the stories from economic news (often created by someone with vested interests) and is based mainly on good math that reveals the truth through financial news.

The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets using my 50 years of global experience and my study of the analysis of four mathematical investing geniuses (and friends).

There are seven layers of tactics in the Pi strategy.

Pi Tactic #1: Determine purpose and good value.

Pi Tactic #2: Diversify 70% to 80% of portfolio equally in good value developed markets.

Pi Tactic #3: Invest 20% to 30% equally in good value emerging markets.

Pi Tactic  #4:  Use trending algorithms to buy sell or hold these markets.

Pi Tactic  #5:  Add spice speculating with ideal conditions.

Pi Tactic  #6: Add spice speculating with leverage.

Pi Tactic  #7:  Add spice speculating with forex potential.

The Pifolio analysis begins with a continual research of international major stock markets that compares their value based on:

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return

#7:  Market history

We combine the research of several brilliant mathematicians and money managers with my years of investing experience.

This is a complete and continual study of what to do about the movement of international major and emerging stock markets.  I want to share this study throughout the next year with you.

This analysis forms the basis of a Good Value Stock Market Strategy.  The analysis is rational, mathematical and does not worry about short term ups and downs.  This strategy is easy for anyone to follow and use.  Pi reveals the best value markets and provides contacts to managers and analysts and Country Index ETFs so almost anyone can create and follow their own strategy.

The costs are low and this type of ETF is one of the hardest for institutions to cheat.  Expense ratios for most ETFs are lower than those of the average mutual fund.  Little knowledge, time, management or guesswork are required.  The investment is simply a diversified portfolio of good value indices.  Investments in an index are like investments in all the shares of a good value market.

Pi opens insights to numerous long term cycles that most investors miss because they have not been investing long enough to see them.

The Pi subscription is normally $99 per annum but as a club member you receive Pi at no charge and save an additional $99.

Profit from the US dollar’s fall.

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!

Club members receive a report about opportunity in the  current strength of the US dollar is a second remarkable similarity to 30 years ago.   The 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 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 when you become a club member you receive the report, “Three Currency Patterns For 50% Profits or More” FREE.

Plus get the $39.99 report, “The Platinum Dip 2019” free.

With investors watching global stock markets bounce up and down, many missed two really important profit generating events.  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 and has remained near this level, compared to a range of the 230s only two years ago.

Now there is a new distortion ready to ripen in the year ahead.

These two events are a strong sign to invest in precious metals.

I prepared a special report “Platinum Dip 2019”.   The report explains the exact conditions you need to make leveraged precious metal speculations that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share long term lessons about speculating in precious metals gained through 30 years of speculating and investing in gold and silver.

The low price of silver offers special value now so I want to send you this report because the “Platinum Dip 2018” offers enormous profit potential in 2018.

The report “Platinum Dip 2019” sells for $39.95 but club members receive it free as well.

The $39.95 new “Live Anywhere – Earn Everywhere Report” is also free.

There is an incredible new economy that’s opening for those who know what to do.  There are great new opportunities and many of them offer enormous income potential but also work well in disaster scenarios.

There are are specific places where you can reduce your living expenses and easily increase your income.  Scientific research has shown that being in such places actually make you smarter and healthier.  Top this off with the fact that they provide tax benefits as well and you have to ask, “Where are these places?”.

Learn about these specific places.  More important learn what makes them special.  Discover seven freedom producing steps that you can use to find other similar places of opportunity.

The report includes a tax and career plan broken into four age groups, before you finish school, from age 25 to 50 – age 50-to 65 and what to do when you reach the age where tradition wants you to re-tire.  (Another clue-you do not need to retire and probably should not!)

The report is very specific because it describes what Merri and I, our children and even my sister and thousands of our readers have done and are doing, right now.

Live Anywhere – Earn Everywhere focuses on a system that takes advantage of living in Smalltown USA, but earning locally and globally.

This report is available online for $39.99 but International Club members receive it free.

Save $418.78… “plus more” when you become a club member.

Join the International Club and receive:

#1: The $99 Personal investing Course (Pi).   Free.

#2: The $299 “Live Well and Free Anywhere Program”. Free.

#3: The $29.95 report “Three Currency Patterns For 50% Profits or More”. Free.

#4: The $39.99 report “Platinum Dip 2018”. Free

#5: The three $19.99 reports “Shamanic Natural Health”.  All three free.

#6: The $39.99 “Live Anywhere – Earn Everywhere” report. Free.

#7: A year’s follow up subscription to the Purposeful investing course… Plus more.

These reports, courses and programs would cost $527.92 so the 2018 membership saves $117.92.

Join the International Club for $349 and receive all the above online now, plus all reports, course updates and Pi lessons 2019 at no additional fee.

Click here to become a member at the discounted rate of $349

Gary 

(1) www.treasurydirect.gov/NP/debt/current

 

International Investing Update


Here is an International Investing Update:

We need to continually update our investment plans to protect the purchasing power of our savings, investments and pensions.

Let’s begin this international investment update with a look at the state of the market for bonds.

At Jyske Bank’s most recent Global Wealth Seminar, one of the great speakers was Tommy Leung. He is in charge of the bond trading for UBS in London… so I really enjoyed listening to him and then talking more about bonds over dinner.

tommy-leung

Tommy Leung speaking to Thomas Fischer and other speakers at the Jyske Global Wealth Seminar.

Tommy pointed out that there may be a bond bubble in several segments of the bond markets.

This chart from his speech at the Jyske conference shows how bonds out- performed shares even during the credit crisis.

global-bonds-2010-

He showed how some segments of the corporate bond yields are near…

global-bonds-2010-

20 year lows. This is what a bond bubble is about… low yields.  This means that bonds are expensive.

However Tommy looked at some segments of the bond market that still offer potential.

Here is another slide from his presentations.

global-bonds-2010-

Summed up this slide says to me: There are still opportunities in high yield investment grade bonds. Avoid the below investment grade (BBB) issues.

Some bond issues he reviewed included the bonds below:

Name: New World Resources Miners   (NWORLD)

Bond: 7.875% 2018

Rating: BB-

Yield:  7.13%

Name: Rhodia Chemicals RHA

Bond: 7% 2018

Rating: BB-

Yield: 6.30%

Name: Obrascon Huarte Lian Construction OBRAS

Bond: 7.375% 2015

Rating: BB-

Yield: 8.57%

Name:  Virgin Media Cable VMED

Bond: 9.5% 2016

Rating: B+

Yield: 6.05%

Name: Campofrio Food Group Food CPFSM

Bond: 8.25% 2016

Rating: B+

Yield: 7.68%

Be sure to check with your investment adviser for current bond yields as they continually change.

Leung also  mentioned high yielding equities.

With the global economy in a shaky recoverywith continued high US and Western European unemployment and… since equity markets had bounced strongly after the recession, we are likely to see a period of high uncertainty volatility and low growth in stock markets.

Yet we face great inflation risk.  The huge debt and public spending in both the US, Europe and Asia will at some time lead to global inflation.

The normal investments thus are equities, high yielding bonds, commodities, real estate or one’s own business.

If bonds  are expensive and equities risky, where does one go?

High yielding equities may be the answer.

Jyske Global Asset Mangers (JGAM) believe this and have produced a report “High Dividend Paying Stocks” that identifies 54 high yield shares.

JGAM wrote:  As the next few years most likely will show subdued economic growth, we believe that less cyclical companies and companies paying high dividend yields have become even more attractive.

With interest rates at historic lows, money in the bank generates little or no return, while the yield from government bonds -2.6% for the 10-year Treasuries – is not that appealing. We believe there are a great number of high-quality equities which offer a yield in excess of cash and bonds.

In addition to their attractive dividends yield above that of cash and bonds, most also offer good prospects for long-term growth.

We have prepared a list of companies we find interesting. High dividend yield stocks tend to be less risky and volatile than growth stocks, as long as they keep pumping out the dividend. This may partly be due to investors being content with sitting back and collecting their checks when the market gets rough. Please note though, they are still stocks and in case of a new contraction, these may to varying degree be negatively affected by this.

Here are seven of these shares that I like and will review at our October 7 to 10 International Investing and Business Course.

American Water Works Co USA USD  provides drinking water, wastewater and other water-related services in multiple states and Ontario, Canada. The Company’s primary business involves the ownership of regulated water and wastewater utilities that provide water and wastewater services to residential, commercial and industrial customers.

E.ON AG E.Germany EUR operates in power generation and gas production businesses.
The Company’s operations include electric generation at conventional, nuclear, and renewable-source facilities; electric transmission via high-voltage wires network; regional distribution of electricity, gas, and heat; power trading and electricity, gas, and heat sales.

Endesa, S.A. Spain EUR generates, distributes, and trades electricity in Spain, Italy, France, Portugal, North Africa, and Latin America. The Company distributes natural gas, operates co-generation plants, and treats and distributes water.

Enel S.p.A. Italy EUR 3 generates, transmits, distributes, and trades electricity.
The Company operates hydroelectric, geothermal, and other generating plants. Enel, through subsidiaries, also provides fixed-line and mobile telephone services, installs public lighting systems, and operates real estate, factoring, insurance, telecommunications, and Internet service provider businesses.

Veolia Environnement France EUR operates utility and public transportation businesses. The Company supplies drinking water, provides waste management services, manages and maintains heating and air conditioning systems, and operates rail and road passenger transportation systems.

Land Securities Group Plc UK GBP a property investment and management company. The Group invests in real estate, including offices, shops and shopping centres, out of town retail locations, supermarkets and industrial/warehouse facilities throughout the United Kingdom. Land Securities’ portfolio also consists of a small percentage of hotel, leisure and residential properties.

Suntec REIT Singapore SGD is a real estate investment trust.
This Asian company was  established with the objective of investing in income-producing real estate properties which are used primarily for retail and office purposes.

You can get the report on all 54 shares including a table that JGAM has prepared mid-August that shows:

#1: Latest share price
#2: Latest paid dividend
#3: Yield  – latest paid dividend as a percent of latest share price
#4: Whether the dividend is paid annually, semiannually or quarterly
#5: Bloomberg recommendation – on Bloomberg analysts following the company stating thei4 recommendation to Buy, Hold or Sell
#6: Bloomberg 12 month Price Target – is an average on the analysts price targets
#7: Morgan Stanley – Their 12 month price target and recommendation
(UW = Under Weight – EW = Equal Weight – OW = Over Weight) and Percentage Upside/downside on the 12 month price targets from Bloomberg and Morgan Stanley.

To obtain this report, contact Thomas Fischer at JGAM at fischer@jgam.com

Or join me with Thomas Fischer, Jean Marie Butterlin at Team Ecuador, David Cross, my webmaster, Bob Shane  and Ann Russell Roberts for our October seminar…coming up in the Blue Ridge with all its autumnal glory!

Enroll here. $749 Reserve here –  $999  Reserve for two

I also believe there is excellent opportunity for income and growth in real estate… especially in Florida and Ecuador.

This is why we are continually adding Ecuador properties in our Ecuador Multiple Listing like this house in Guayaquil.  Here you gain rental income potential and appreciation potential when inflation surges.

Guayaquil House

guayaquil-house-for-sale

2 story, 3 bedroom, 3 bath home.  Large European style kitchen, guest bathroom, foyer, living room dining room, laundry room and a very large backyard. Ciudad Celeste is near the Babahoyo River.   Upgrades on closets, lighting and cabinets.

This is a gated community with tennis court, olympic size swimming pool, social area, gym. Maintenance fee is $55 a month.

See more details and contacts under “Guayaquil House” at our Ecuador MLS.

Gary