Tag Archive | "boomers"

Three Prong Boomer Investing


Last Saturday’s message look at how current economic circumstances is transferring wealth from Boomers to younger generations.

That message outlined how low interest rates are one of the economic conditions that shifting purchasing power away from Boomers to younger generations.

A wealth transfer is good.  Our children and grandchildren need economic success too, but we Boomers, born from 1946 to 1964, should also have a way to invest to protect our standards of living.   Helping younger generations increase their affluence does not accomplish much if they  they have to spend their new gotten gains caring for destitute parents and grandparents!

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How low can they go?

Capitalistic logic suggests that interest rates on long term savings should at least equal inflation so the investments maintain purchasing power.

That is not what’s happening now globally .

My friend Thomas Fischer at ENR Asset Management sent me this note during the week that shows an amazing new interest phenomenon that’s about to take place in Denmark.

Hi Gary

A new low (or high depending on your angle) for Danish mortgage rates!  A 10 year fixed mortgage minus 0.50% will be introduced on Oct 1!

Imagine that… the bank pays you to borrow!

Such low rates force us to make riskier investments and that’s OK, if we are prepared for it.

However we have lived in an atmosphere that trained us and the entire economic system to use interest bearing instruments for asset safety, especially when the investments are needed to provide income.

Long term, the stock market is a good place to invest, but the chart below from macrotrends.com, shows that, as in the 1930s and 1960s,  when the US market falls from an all time high, it can take 30 years to recover.

macrotrends chart

The recovery time gap was much shorter  after the 2000, 2010 and 2020 crashes.  Or were these recoveries part of another 30 year trend that is not over for another decade?

We cannot dismiss the chance that we are in a 30 year era that started in 2000 and will end with the Dow Jones Industrial average being around 16,000 (the 2000 high) in 2030.

Maybe we will see this.  Maybe we won’t.  Younger investors are in a better position to be OK because history suggests there will be a super appreciation after the old high is truly breached.

Many Boomers cannot wait till 2030 to find out.  They’ll need to draw on their equity investments before then.

What should Boomers do?  Start with what you love and create PIEC wealth.

There is a three path strategy that Merri and I have followed over the decades for fulfillment and wealth.  I call it PIEC  Investing (Personal Income Earning Corridor).

PIEC concepts of financial prudence differ from traditional approaches of accumulating wealth because the first investment in our investment strategy is based on our passion…  not neccesarily profit.   Our total PIEC portfolio comes in three layers: a fulfilling micro business, then a layer of very safe investments followed by a third, much smaller layer of speculative deals.

The first layer of our PIEC is a fulfilling micro business.  When we do what we love, our own micro business is the most important financial asset we can have.  PIEC investors reverse the priorities.  Instead of working for money to save and invest,  they focus their prime effort on doing something they enjoy.  Then they learn how to enjoy the effort in some profitable way by combining lifestyle with the necessary task of accumulating wealth.

The ability to provide a service or a skill is the safest as well as most meaningful investment of all.  This combines our money with time, energy and our desires.  There is no more effective way to combine wealth, health and a fulfilled lifestyle.

Merri’s and my passion are writing and appreciating rental real estate.

I am up usually before the dawn writing… not just for the income but because I love the process.

rental

One of the many houses we bought, rented and resold.

Later in the day, we drive around, almost every day, looking for  houses for sale.  We have a certain niche of house we want to buy.  We’ll rent it for at least a year, then freshen and fix it up (better kitchen, bathrooms, yard) for resale.  We enjoy the looking. It’s like mining for gold and that specific house (we know it when we see it) is like a big nugget of gold.

The feeling as we drive around is, “the hunt is on”!  We also enjoy the creative process that comes in upgrading the house.

Writing and real estate are the micro businesses we love that brings us profit and helps the wealth transfer from our generation to the next.  We share the profits we make on the upgrades with our younger helpers.

The second step is our good value equity portfolio.  The majority of our PIEC diversification is in a portfolio of country ETFs that invest in good value stock markets. (See more on this below).

These good value ETFs,  I would like to hastily add, have not kept up with the US market for the past five years.

Our equity investments over the last half decade would have gained more had we invested just in the NASDAQ or the S&P 500 or DJI indices.

A five year comparison with other markets however is not the point, or at least it should not be.

There will always be something better than your investments.

Your portfolio should not be created to get the highest return in the world, because we never know what any one equity or market will do in the future.

Every person’s portfolio should be geared to their unique wants, needs and desires.

My good value portfolio first and foremost takes very little time, energy or cost to manage.  Those savings are important to me as I need my time for real estate and writing.

Second though my portfolio has under performed the US equity markets for the past five years, it has appreciated much better than inflation and paid about 3.5% in dividends.  That’s my goal to beat inflation and get 3% income or more.

Third, without fuss and without bother and without time, energy and trading costs, I continue to accumulate value that, based on mathematical probability, will provide the highest long term return.

When I began accumulating value market ETFs at the end of 2015 the average price-to-book of the good value portfolio was 1.26 with an average dividend of 3.51%.   That compared to the US MSCI Index price-to-book of 2.62 and an average dividend of 2.24%.

Here were the value statistics I used to start my good value portfolio in December 2015.

keppler

Now the price-to-book of the good value portfolio is still 1.26, but the US MSCI Index price-to book has skyrocketed 4.11.

The average dividend of my good value portfolio is still above 3 percent at 3.36%.  The US average dividend has collapsed to just 1.56%.

keppler

It’s also worth noting that the USA MSCI Index is at 4.11, near the MSCI World all time high of 4.23.

Based on the math, my equity investments have become increasingly better deals.

The third layer of diversification is our speculation.   Modern portfolio theory suggests that safe investments are enhanced and made safer by adding a small amount of higher risk deals.  This also allows us to fulfill any casino mentality we might have left if having our own business is not enough.

Our speculations over the past half decade include an investment in sandalwood, plus extra weighting in China, extra weighting in the UK and in the silver ETF SLV.

The extra Chinese (up 32%) and silver investments (SLV is up 72%) have done OK.  The UK (down 22%) and sandalwood have not (the sandalwood company went bust) done well.

A friend, an investment manger I have worked with for decades and trust, sent me a note two days before the IPO of Snowflake.

Hi Gary, I’m having breakfast with an employee of a company that uses Snowflake in London.

She told me the Snowflake IPO tomorrow would be a very good buy. Its a cloud data warehouse that has a unique template for coding etc. My friend’s company uses it and Warren Buffet has taken a stake. She told me many banks are looking to outsource own data warehouses to snowflake.

That was a good tip, the shares went from $120 a share to $245 a share first day.

I did not take up this tip because it’s in the human nature to worry more about loss than about profit and the goal of my investments is to sleep better.

The way I overcome risk aversion is to invest in ideas I have confidence in.  Since I know little about data warehousing, it did not fit into my strategy.

Investing in rumors, tips and the news, leaves me very uncertain and vulnerable to risk aversion.  I knew nothing about Snowflake. I do not feel comfortable with IPOs so passed on the tip and do not feel bad in the least that I did not double an investment over night.

Instead I have been making higher interest loans secured by real estate to younger friends who I know, like and trust.  The loans generate income that is higher than inflation and while they do not have “double your money overnight potential”, they provide a great deal of fulfillment by helping people we care about.

This three step strategy enhances our investing safety, increases our odds of extra profit, but most importantly matches our needs at our age and brings greater satisfaction and fulfillment into our lives.

Boomers, our standards of living are under attack.   This is part of the natural order, the old giving way to the new, but we can profit by helping rather than hindering this process.

Gary

Add Safety & Get Paid 154% More

Get paid more now!

Current markets have turned economic history upside down.  Normally bonds pay the highest interest rates and add safety to a portfolio.  Not right now.

This chart from the New York Times article “The Mystery of High Stock Prices” (1) shows that equities pay a higher yield than bonds.

wsj.com

Most Important, Get Paid the Most Now!

Just because US stocks pay more than dollar denominated bonds, does not mean they offer the best income deal.  In fact the chart below shows that US shares pay one of the lousiest yields of the 46 stock markets we monitor around the world.

The US MSCI Index pays a modest 1.91%.  That’s a terrible yield, but better than the 1.6% you can get in AA rated corporate bonds.

Nine solid, top value stock markets (shown below) not only add diversification and the best long term profit potential, they pay 71% higher yield, 3.27% compared to the US yield of 1.91%.

This is why my core stock portfolio consists of a handful of top value share ETFs and this position has hardly changed in five years. 

Let me explain why this strategy adds safety, increases long term appreciation potential and pays almost double short term income right now.

In a moment, I’ll show how to push that yield to 4.07% per annum without adding additional risk.

keppler62020

During the past five years, I have been steadily accumulating the same good value ETFs.  I have traded only three times, so my trading costs, my fuss, fiddle and time spent have been kept to an absolute minimum.

I have been investing in iShare country ETFs.  Each one invests in the MSCI Index of one of the top (or neutral in the case of Canada and Australia) value markets above.

My strategy protects against stock market volatility and yet has potential for the best gains long term from rising share prices by holding an equally weighted portfolio of the best value based country ETFs.

The Purposeful Investing Course tracks 46 stock markets around the world into determine which markets offer the best value.

Since no one knows what the future will bring, investing in value makes the most long term sense.

Plus Value ETFs are Safer

The people who dominate stock markets include a pack of thieves.  This fact has always been true.  We were recently reminded of this fact when Wirecard AG, one of Europe’s most prestigious companies, listed on Germany’s premier stock-market index, the Dax 30 fooled everyone including its top grade, longtime auditor, Ernst & Young GMBH.

The shares in German fintech company Wirecard AG (symbol WDI fell 63.74% as it filed for insolvency proceedings, after revealing that more than $2 billion in cash missing from its balance sheet was all a fraud.  The company’s market value fell to less than €500 million from almost €13 billion in a week.

Investors have seen this type of rip off again and again, really big scams from Enron to Bernie Madoff and these are just the tip of the iceberg.

Shares in stock markets are manipulated all the time.  Stock markets (in fact almost all types of markets) are led by sharks plain and simple.  Count on this fact.  This is the nature of the beast and the number one goal of many big businesses is to take as much of your money as they can to line their pockets.

In the Wirecard AG example many  thousands of investors have seen their hard work, their thrift, their security and hopes for the future disappear, even though they seemingly did everything right by investing in a blue chip, new era, high tech company.

A study of 92 years of investment returns shows that, despite the fraud and cheating and deceit, stock markets are still a good way to make your money grow… if you invest long term and diversify.

keppler

Our Pi strategy makes it harder for cheaters to grab your wealth because it’s very hard to manipulate an entire stock market, much less a dozen or so stock markets around the world.

Manipulators have a hard time tricking an entire market, especially larger markets.  If you get the best value country ETFs, your chances of long term profits improve.

Our Purposeful Investing Course (Pi) teaches an an easy, simple and effective approach to zeroing in on value because little time, management and guesswork is required.  You are investing in a diversified portfolio of good value indices.

Sticking to math based stock market value and country ETFs eliminates the need for hours of research aimed at picking specific shares.   Investing in an index is like investing in all the major shares of the market.  You save time because all you have to do is invest in the ETF to gain the profit potential of the entire market.

To achieve this goal of diversification the Pi portfolio consists of iShare Country Index ETFs managed by Black Rock, Inc.

Country Index ETFs are similar to an index mutual fund but are shares normally traded on a major stock exchange that tracks an index of shares in a specific country.  ETFs do not try to beat the index they represent.  The management is passive and tries to emulate the performance of the index.

A country ETF provides diversification into a basket of equities in the country covered.  The expense ratios for most ETFs are lower than those of the average mutual fund as well so such ETFs provide diversification and cost efficiency.

I am updating my plan to increase my average yield to as much as 4.07%.

My developed market portfolio has been diversified into nine developed markets: Austria, Germany, Hong Kong, Italy, Japan, Norway, Singapore, Spain and the United Kingdom.

iShares Country ETFs make it easy to invest in each of the good value markets.

The average yield of these nine markets combined was 3.27% as of June 2020.  By replacing the three lowest yielding markets, Austria (.64%), Germany (1.83%)  and Japan (2.51%)  with two better yielding neutral markets Australia (4.57%) and Canada (3.54%) the average annual yield on the entire portfolio rises to 4.07%.

4.07% is 154% higher than the 1.6% you can currently earn on AA rated corporate bonds!

The ETFs provide higher income and incredible diversification for safety, plus the highest long term profit potential.

iShares is owned by Black Rock, Inc. the world’s largest asset manager with over $4 trillion in assets under management.

There is an iShares country ETF for almost every market.

Here’s how you can create your own good value strategy.

I would like to send you, on a no risk basis, a 130 page basic training course that teaches the good value strategy I use.  You learn all the Pi strategies, what they are, how to use them and what each can do for you, your lifestyle and investing.

You also begin receiving regular emailed Pifiolio updates and online access to all the Pifolio updates of the last two years.  Each update examines the current activity in a Pifolio, how it is changing, why and how the changes might help your investing or not.

You also receive a 100+ page PDF value analysis of 46 stock markets (23 developed markets and 23 emerging stock markets).  This analysis looks at the price to book, price to earnings, average yield and much more of all 46 markets.

This year I will celebrate my 52nd anniversary of global investing and writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in the Pi course.

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.

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 out performance 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%.

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 $124.50 off the subscription.

Guarantee

Enroll in Pi.  Get the basic training, the 46 market value report and access to all the updates of the past two years, plus all new updates over the next year.

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 in the first two months for a full no fuss full refund.

You have nothing to lose except the fear.   You gain the ultimate form of financial security as you reduce risk and increase profit potential. 

Due to the COVID-19 pandemic we have cut the subscription to $174.50.  You save $124.50!

Then because this global recovery from the pandemic is going to take years, we’ll maintain your subscription at just $99 a year rather than $299.  Your subscription will be autorenewed in 2021 at $99, though you can cancel at any time.

Click here to subscribe to Pi at the discounted rate of $174.50

Subscribe to Pi today and you get a year’s subscription to Pi now, get the 130 page basic training, the 120 page 46 market value analysis, access to over 100 previous Pifolio updates, plus begin receiving regular Pifolio updates throughout the year.

Gary

(1) www.nytimes.com: mystery of high stock market prices

 

Wealth Transfer From Boomers


Boomer’s wealth is a growing target.

There’s a huge wealth gap in America that’s tearing the country apart.  We see images of this dilemma reflected in political division, social unrest and economic turmoil.  But the root of all these tensions is a harsh reality in the gap between the rich and the poor coupled with the fact that the division is growing.  The rich are getting richer as there’s an increasing pinch on the poor.

Part of this distortion has to do with demographics.  As a demographic group, those born between 1946 and 1964 are by far the wealthiest.  Boomers  represent a quarter of the US population but hold more than half the largest portion of the wealth.

A recent article at marketwatch.com,  “This depressing chart shows the jaw-dropping wealth gap between millennials and boomers” (1)  shows what a big gap of wealth disparity there is.

The article says: As a whole, boomers have fared better financially than Gen Xers (born between 1965 and 1980) and millennials (born between 1981 and 1996) throughout every stage of their lives. Boomers currently boast more than half (57%) of the nation’s wealth, while Gen X owns just 16%, and millennials 3%.

marketwatch.com

This wealth distortion was bound to put pressure on the nation to shift some of the wealth from the older boomers to the younger gen Xrs and millennials.

Here’s three ways money is being shifted from the boomers as a whole.

Wealth Transfer #1: Low Interest Rates.  Who profits from low interest rates?  Governments do of course.  They can borrow more money, without debt service dragging them down.

finance.yahoo.com

An article at www.finance.yahoo, “US Debt Costs Falling Even as Borrowing Soars” tells how the US government gains from low interest rates.

The article says: Interest costs on the national debt have fallen about 10% this fiscal year, even as the amount of debt issued by the U.S. Treasury has hit record levels, Bloomberg reported Friday. And over the next few years, the cost of servicing the debt held by the public – which now totals more than $20 trillion – will be cheaper relative to the size of the economy than any time since the early 1970s, according to projections by the Congressional Budget Office.

The reason is simple, Bloomberg’s Liz McCormick and Alexandre Tanzi say: interest rates plunged in the wake of the coronavirus pandemic, despite the record supply of debt, and are expected to remain low for years to come.

A focus on net cost. The federal budget deficit is expected to total $3.3 trillion this fiscal year, more than three times larger than the year before, but the average interest rate on U.S. debt has fallen from 2.4% to 1.7%, and it’s expected to continue to fall.

“While there’s been a lot of concern about the mounting debt, it hasn’t caused the problems that were anticipated by the doomsters,” Ed Yardeni of Yardeni Research told Bloomberg. “It’s not just a question of how much debt is outstanding, but what is the cost to service that debt.”

Millennials are also gaining from from really low cost mortgages that these low rates bring.  This is why, despite a faltering economy and high unemployment created by the pandemic, there is house buying boom led by millennials.

A real estate broker we work with in Florida explained it this way.  A 30 year $100,000 mortgage at 5% requires a base payment of $536.82 a month.  When the interest on the mortgage drops to 2.47% the payment is only $393.56.  This means that buyers can afford to pay 26% more for the same house.  This also mans that many more young people with lower incomes qualify for larger loans.  This super heats the market.

The booming house market is not just in the USA.

Our friend Thomas Fischer at ENR Asset Management who lives in Copenhagen wrote: Real estate has gone crazy in Denmark also.  Danske Bank now offers a 30 year mortgage at a fixed rate of 1% (only up to 60% of the house value) with no re-payments interest only. You can then repay the mortgage after 30 years or when selling! Pretty amazing.

Young borrowers benefit most from low interest rates.  They buy assets that will appreciate due to inflation and have time to let the gap between the interest cost and inflation increase their wealth.

Wealth Transfer #2: Stop Social Security Contributions.

Once called the “Third Rail of Politics” (touch it and you die) There is an insidious three step attack on Social Security.

The first step is to stop Social Security deductions.

The Wall Street Journal article “Some Large Employers Reject Trump’s Payroll-Tax Deferral Plan” (3) shows how the government is encouraging this part of the attack already.

CVS Health, Wells Fargo and Home Depot are among firms opting not to change paycheck withholding

Some of the nation’s largest employers—including CVS Health Corp., Wells Fargo & Co. and the U.S. Postal Service—say they won’t implement President Trump’s payroll-tax deferral plan, opting to leave employee paychecks alone this fall.

The president’s plan lets employers stop withholding the 6.2% Social Security tax now for most workers and requires them to pay it back early next year through additional paycheck withholding. Mr. Trump wants Congress to forgive those deferred taxes, but without any assurance of that happening, the plan continues to find little footing in the private sector as companies make their decisions.

Other large employers, including United Parcel Service Inc., JPMorgan Chase & Co., Costco Wholesale Corp. and Home Depot Inc., say they aren’t participating either. Wells Fargo wanted “to avoid creating a future financial burden for employees,” said spokesman Peter Gilchrist.

That lack of interest from companies—some of which employ hundreds of thousands of potentially eligible workers—limits the broader economic impact of the deferral. Mr. Trump, who had hoped to get Congress to slash payroll taxes to boost the economy, has been left with a program that has little reach across the country.

For now, the largest group of affected workers is the one controlled by Mr. Trump—federal executive-branch employees and military-service members who will see their paychecks grow this month and then shrink in January.

The second step would come after the election.  Whoever is in power would  forgive the deferral.  The third step is when the Social Security Trust Fund runs out of money… to make Social Security dependent on income contributions.

An article at the AARP site, “Social Security Trust Fund to Be Depleted by 2031” (4) shows how this three step trick allows slippery politicians to change Social Security without touching the third rail.

The September 2020 article says: This year, payroll taxes will be enough to pay full retirement benefits to beneficiaries. Next year, however, the Social Security Administration (SSA) will have to tap the $2.8 trillion in its OASI trust fund to help pay retirement and survivor benefits. The trust fund’s assets would be depleted in 2030, according to CBO projections, and in 2031 beneficiaries would be paid only from incoming payroll tax revenue, unless Congress passes legislation to address Social Security’s longer-term funding shortfall.

The reality is that the government does not have to do anything to gut Social Security. They only have to wait a few years and NOT pass new legislation.  The fuse on this pension time bomb is already lit.

The pandemic gave the excuse for take the first step of deferring contributions.

Wealth Transfer #3: Fed’s new policy of long term inflation.

nasdaq.com

Federal Reserve Bank Washington DC

A NASDAQ article “Fed’s new policy shift to have no major impact, say economists” (5) explains why the Fed’s policy is likely to hurt those who are retired as well as the unemployed.

The U.S. Federal Reserve’s latest policy shift will not have any significant impact on the economy, according to a majority of economists in a Reuters poll who do not expect the central bank to meet its dual mandate until 2023 at least.

In a landmark shift to a more tolerant stance on inflation, the Fed’s new monetary policy strategy pledged to address maximum employment by letting inflation run above its 2% target and suggested interest rates would stay near zero for years to come.

In short the Fed’s policy is really an excuse for letting inflation rise while doing nothing.  Those who are hurt the most by inflation are those who retire and do not have an income and assets that can rise along with higher costs of living.

Are these shifts fair?  Who knows.  Boomers, especially those born in the 1940s had such huge luck. We grew up having the ultimate socio-economic  platform for building wealth.

The younger generations will get the wealth, eventually, but building their wealth now would go a long way towards easing many of the social tensions that have risen.  Regrettably history suggests that government interference, such as forcing down interest rates and opening up the floodgates for inflation, is not an effective way to transfer wealth.  The transfer should not be a zero sum game.

Like it or not (most boomers won’t like it) these transfers are in place.

Low interest rates, higher inflation and attacks on Social Security are here and will be hard to change because millennials are now a larger demographic group than boomers, so as more millennials vote, their say will have increasing sway.

Hopefully this glimpse into what’s happening will help you, boomer, gen Xr or millennial understand and place your investments and income earning activity in a way that takes advantage of low interest and high inflation.

Gary

Profitable Investing Made EZ

There are only three steps to sustained, safe profits in investing.   Seek value.  Cut losses.  Take profits.

Quotes from three great value professional investors support this thought.

Be fearful when others are greedy, and greedy when others are fearful.” Warren Buffett

“In the short run, the market is a voting machine, but in the long run it is a weighing machine.” Ben Graham

We don’t have to be smarter than the rest. We have to be more disciplined than the rest.” Charlie Munger

We do not have to be brilliant to preserve our wealth.  When it comes to investing, discipline can make professional investing EZ because you become smarter than the smartest man in the world.

newton

Sir Issac Newton

Sir Isaac Newton is widely regarded as one of the most influential scientists of all time.  His role was key in the scientific revolution.

His book “Mathematical Principles of Natural Philosophy” laid the foundations for mechanics.

He supplied a foundation to optics.

He helped develop modern calculus.

Newton formulated the laws of motion and gravitation and confirmed the heliocentric model of the cosmos.

Newton built the first practical reflecting telescope.

His theories about color and cooling and the speed of sound were spring boards in physics.

In math, Newton contributed to the study of power series, the binomial theorem to non-integer exponents, and a method for approximating the roots of a function.

He is said to have been the greatest genius who ever lived!

But Sir Issac Newton also lost his shirt in the stock market. 

Newton said: “I can calculate the motions of the heavenly bodies but not the madness of the people.”

Sir Issac forgot the intelligence in seeking value. He ignored the fact that buying and selling discipline is more important than being smart.

How can we gain this discipline?  Discipline comes from simple math which is why my Purposeful investing course (Pi) is based around mathematicians not economists.

I am happy to introduce an investing math program that instills investment discipline in our Pi course.

Use math and time, not emotion and timing to protect your wealth.

We need a strategy so our savings, investments & income are sufficient for a full lifetime which can be much longer than statistics suggest.  That’s really good to know but longer life expectancy is expected to worsen the shortfall in Social Security by 11 percent over the next 75 years.

What will a longer, active life do to our savings and budgets?

During nearly five decades of global investing I have noticed that some people, such as Warren Buffett, have a three point good value strategy that increases their wealth again and again.

What are the three tactics of this strategy?

The first tactic is to seek safety before profit.

A research paper that studied Warren Buffet’s investing strategy was published at Yale University’s website. This research shows that the stocks he 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).

The second tactic is to maintain staying power so you can let time do its work.  At times Buffet’s portfolio 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.

The Buffet strategy integrates time and value for safety and profit.

A third, limited leveraging, tactic in the strategy boosts profit.  Buffett leverages his portfolio at a ratio of approximately 1.6 to 1.   The Yale published research paper shows the leveraging methods used by Warren Buffett to amass his $50 billion fortune.  The researchers found that the returns from Buffett’s investment company, Berkshire Hathaway, far outweighed those achieved by any rival that has operated for 30 years or more.  The research shows that neither luck nor magic are involved.  Instead, the paper shows that Buffet’s success hinges on using leverage at the rate of 1.6.

To sum up the strategy, Buffet uses value, time and leverage to buy and hold “cheap, safe, quality stocks”.  He uses limited leverage so he can hold on for very long periods of time, surviving rough periods where others might have been forced into a fire sale or a career shift.

You can learn how to use this type of three point strategy with the Purposeful investing Course (Pi).  This course is based on my 50 years of global investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Pi reveals investing secrets and the sciences that make investing easy, safer, less time consuming and increases the chances of profit.

Lessons from Pi are based on the creation and management of a Pi Model Portfolio.  There are no secrets about this portfolio except that it is based entirely on good math and uses time to take advantage of value.

The value analysis is used to create a portfolio of MSCI Country Benchmark Index ETFs that cover  stock markets that are undervalued.  I have combined my 50 years of investing experience with the study of the mathematical market value analysis of Michael Keppler, CEO of Keppler Asset Management.

In my opinion, Keppler is one of the best market statisticians in the world.  Numerous very large fund managers use his analysis to manage over $2.5 billion of funds.  However because Keppler’s roots are in Germany (though he lives and operates from New York) and most of his funds registered for the European Union, Americans cannot normally access his data.

I was lucky to have crossed paths with Michael about 25 years ago, so I am one of the few Americans who receive this data and you will not find his information readily available in the US.

In a moment you’ll see how to remedy this fact.

The Pifolio analysis begins with Keppler’s research that continually monitors 46 stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  Then Keppler takes market’s history into account.

Fwd: keppler

Michael Kepler CEO Keppler Asset Management.

Listen to Michael Keppler explain his philosophy for 6 minutes and 43 seconds here.

Michael’s analysis is rational, mathematical and does not cause worry about short term ups and downs.  Keppler’s strategy is to diversify into an equally weighted portfolio of the MSCI Indices of each good value (BUY) market.

This is an easy, simple and effective approach to zeroing in on value because little time, management and guesswork is required.  You are investing in a diversified portfolio of good value indices.

A BUY rating for an index does NOT imply that any one stock in that country is an attractive investment.  This eliminates the need for hours of research aimed at picking specific shares.  It is not appropriate or enough to instruct a stockbroker to simply select stocks in the BUY rated countries.  Investing in the index is like investing in all the shares in the index.  You save time because all you have to do is invest in the ETF to gain the profit potential of the entire market.

To achieve this goal of diversification the Pi portfolio consists of Country Index ETFs.

Country Index ETFs are similar to an index mutual fund but are shares normally traded on a major stock exchange that tracks an index of shares in a specific country.  ETFs do not try to beat the index they represent.  The management is passive and tries to emulate the performance of the index.

A country ETF provides diversification into a basket of equities in the country covered.  The expense ratios for most ETFs are lower than those of the average mutual fund as well so such ETFs provide diversification and cost efficiency.

Here is the Pifolio I personally held at the beginning of 2020.

70% is diversified into Keppler’s good value (BUY rated) developed markets: Australia, France, Germany, Hong Kong, Italy, Japan, Norway, Singapore, Spain and the United Kingdom.

30% of the Pifolio is invested in Keppler’s good value (BUY rated) emerging markets: Brazil, Chile, China, Colombia, the Czech Republic, South Korea, Malaysia and Taiwan.

iShares Country ETFs make it easy to invest in each of the MSCI indicies of the good value BUY markets.

For example, the iShares MSCI Australia (symbol EWA) is a Country Index ETF that tracks the investment results the Morgan Stanley Capital Index MSCI Australia Index which is composed mainly of large cap and small cap stocks traded primarily on the Australian Stock Exchange mainly of companies in consumer staples, financials and materials. This ETF is non-diversified outside of Australia.

iShares is owned by Black Rock, Inc. the world’s largest asset manager with over $4 trillion in assets under management.

There is an iShares country ETF for every market.

How you can create your own good value strategy.

I would like to send you, on a no risk basis, a 130 page basic training course that teaches the good value strategy I use.   I call this strategy Purposeful Investing (PI).  You learn all the Pi strategies, what they are, how to use them and what each can do for you, your lifestyle and investing.

When you subscribe to Pi, you immediately receive a 120 page basic training course that teaches the Pi Strategy.   You learn all the Pi strategies, what they are, how to use them and what each can do for you, your lifestyle and investing.

You also begin receiving regular emailed Pifiolio updates and online access to all the Pifolio updates of the last two years.  Each update examines the current activity in a Pifolio, how it is changing, why and how the changes might help your investing or not.

Included in the basic training is an additional 120 page PDF value analysis of 46 stock markets (23 developed markets and 23 emerging stock markets).  This analysis looks at the price to book, price to earnings, average yield and much more.

You also receive two special reports.

In the 1980s, a remarkable set of two economic circumstances helped anyone who spotted them become remarkably rich.  Some of my readers made enough to retire.  Others picked up 50% currency gains.  Then the cycle ended.  Warren Buffett explained the importance of this ending in a 1999 Fortune magazine interview.  He said:  Let me summarize what I’ve been saying about the stock market: I think it’s very hard to come up with a persuasive case that equities will over the next 17 years perform anything like—anything like—they’ve performed in the past 17!

I did well then, but always thought, “I should have invested more!”  Now those circumstances have come together and I am investing in them again.

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.  The two conditions are in place again!

30 years ago, the US dollar rose along with Wall Street.  Profits came quickly over three years.  Then the dollar dropped like a stone, by 51%  in just two years.  A repeat of this pattern is growing and could create up to 50% extra profit if we start using strong dollars to accumulate good value stock market ETFs in other currencies.

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago.  The trends are so clear that I have created a short, but powerful report “Three Currency Patterns for 50% Profits or More.”   This report shows how to earn an extra 50% from currency shifts with even small investments.  I kept the report short and simple, but included links to 153 pages of  Good Value Stock Market research and Asset Allocation Analysis.

The report shows 20 good value investments and a really powerful tactic that shows the most effective and least expensive way to accumulate these bargains in large or even very small amounts (less than $5,000).  There is extra profit potential of at least 50% so the report is worth a lot.

This report sells for $29.95 but in this special offer, you receive the report, “Three Currency Patterns for 50% Profits or More” FREE when you subscribe to Pi.

Plus get the $39.95 report “The Silver Dip” free.

With investors watching global stock markets bounce up and down, many missed two really important profit generating events over the last two years.  The price of silver dipped below $14 an ounce as did shares of the iShares Silver ETF (SLV).   The second event is that the silver gold ratio hit 80, compared to a ratio of 230 only two years before.

In September 2015, I prepared a special report “Silver Dip 2015” about a silver speculation, leveraged with a British pound loan, that could increase the returns in a safe portfolio by as much as eight times.  The tactics described in that report generated 62.48% profit in just nine months.

I have updated this report and added how to use the Silver Dip Strategy with platinum.   The “Silver Dip” report shares the latest in a series of long term lessons gained through 40 years of speculating and investing in precious metals.  I released the 2015 report, when the gold silver ratio slipped to 80.  The ratio has corrected and that profit has been taken and now a new precious metals dip has emerged.

I have prepared a new special report “Silver Dip” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.

You also learn from the online Value Investing Seminar, our premier course, that we have been conducting for over 30 years.  Tens of thousands of delegates have paid up to $999 to attend.  Now you can join the seminar online FREE in this special offer.

This three day course is available in sessions that are 10 to 20 minutes long for easy, convenient learning.   You can listen to each session any time and as often as you desire.

Triple Guarantee

Enroll in Pi.  Get the basic training, the 46 market value report, access to all the updates of the past two years, the two reports and the Value Investing Seminar right away. 

#1:  I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through slow, worry free, easy diversified investing.

If you are not totally happy, simply let me know.

#2:  I guarantee you can cancel your subscription within 60 days and I’ll refund your subscription fee in full, no questions asked.

#3:  You can keep the two reports and Value Investing Seminar as my thanks for trying.

You have nothing to lose except the fear.   You gain the ultimate form of financial security as you reduce risk and increase profit potential.

Subscribe to Pi now, get the 130 page basic training, the 120 page 46 market value analysis, access to over 100 previous Pifolio updates, the “Silver Dip” and “Three Currency Patterns For 50% Profits or More” reports, and value investment seminar, plus begin receiving regular Pifolio update lessons throughout the year.

Subscribe to a Pi annual subscription for $197 and receive all the above.

Your subscription will be charged $99 a year from now, but you can cancel at any time.

Gary

(1) www.marketwatch.com/story/this-depressing-chart-shows-the-jaw-dropping-wealth-gap-between-millennials-and-boomers-2019-12-04

(2) finance.yahoo.com/news/us-debt-costs-falling-even-224646813.html

(3) www.wsj.com/articles/some-large-employers-reject-trumps-payroll-tax-deferral-plan-11599840079?mod=itp_wsj&mod=&mod=djemITP_h

(4) www.aarp.org/retirement/social-security/info-2020/benefits-trust-fund-runs-out-by-2031.html

(5) www.nasdaq.com/articles/poll-feds-new-policy-shift-to-have-no-major-impact-say-economists-2020-09-10

 

 

 

 

Prepare for Rough Times


ENR Asset management sent an invitation to a very interesting webinar conducted Monday, September 14.

You’ll want to get into this webinar because I was recently speaking with my long time friend Thomas Fischer, who lives in Copenhagen and worked with me years ago to create some portfolios that rose over 100% in a year, when we both worked with the Danish Jyske Bank.

We were discussing how the dynamics of long term, low interest rates have consequences that make it hard to trust the lessons and rules our investing experiences have brought us over the past 50 years.

I was telling him how real estate sales and prices, both in Lake County Florida and Ashe County North Carolina  had recently risen crazily.

mt dora

A new ring road around Orlando that exits at Mt. Dora (X) has helped push real estate prices there sky high

The broker we work with in Florida explained it this way.  A 30 year $100,000 mortgage at 5% requires a base payment of $536.82 a month.  When the interest drops to 2.47% the payment is only $393.56.    This means that buyers can afford to pay 26% more for the same house and that many more people with lower incomes qualify for larger loans.  This super heats the market.

Thomas replied: Real estate has gone crazy in Denmark also.  Danske Bank now offers a 30 year mortgage at a fixed rate of 1% (only up to 60% of the house value) with no re-payments interest only. You can then repay the mortgage after 30 years or when selling! Pretty amazing.

How can we make intelligent decisions during times when there are so many imponderables?

The bulk of the new real estate buyers are Millennials and this is a great time for them to gain some extra financial stability… but this also leaves Boomers in a lurch.

I believe this will be one of the greatest purchasing power transfers (from Boomers to  later generations) in history.

The Millennials especially have time to let the stock market ups and downs equalize in the years ahead.

Boomers do not.   Boomers have a much shortened investing time frame, so they don’t have time to recover from a serious market correction.  Millennials can take over real estate and pay ultra low interest rates gained from investing instruments that Boomers would normally use to retire.

Picture the benefits that a Danish Millennial gains with a 30 year 1% interest only mortgage.  Where does the money the bank lends come from?  The answer is “investing instruments” normally funded by investors who want low risk and higher income.

money.com

An article at money.com “How Can Retirees Living Off Savings Succeed in Today’s Low-Yield Environment?” explains the dilemma.

The article says:  Experts say you may need to take a little more risk.

Interest rates are still at record lows, and it looks like they could stay that way for years thanks to Fed Chair Jerome Powell’s recent indication that the central bank won’t increase rates to protect against inflation.

The biggest challenge retirees are now facing is how to turn their nest egg into an income solution — and strategies they have been relying on might not work as well in today’s low-rate environment, experts say. New solutions may entail a bit more risk than bonds, which have long been a common income source for retirees. But a little more risk might be necessary.

“If you’re not willing to make some minor adjustments and accept different forms of risk, you’re basically locking yourself into inflation risk and going to lose your buying power,”

While there’s certainly still room for bonds in portfolios, experts say retirees may not be able to rely on them for income in the way they’ve become accustomed to.

The article states that additional places to invest include Dividend stocks and Pass-through securities that include
master-limited partnerships (MLPs), real estate investment trusts (REITs), closed-end funds (CEFs) and business development companies (BDCs).

REITs are a way to invest in real estate, there is risk there also because REITs hold office and retail space, which in the pandemic and shift to home office and online shopping can reduce dividends and create capital loss.

The dramatic shifts created by long term low interest rates are a reason why you should listen in to ENR’s webinar “How to Prepare Your Money for Tough Times to Reduce Risk, Create Legacy and Produce an Enviable Retirement Portfolio”.

The webinar is this Monday, September 14, 2020.

ENR wrote: Just because the Fed and other central banks are printing trillions to save the world economy since March doesn’t mean risk assets can’t decline. Stocks have surged 55% since March 23 – the biggest advance in percentage terms since 1938. Stocks in the United States now fetch their second highest premium in history at more than 30 times earnings and 23 times forward estimates. There is little margin for error if earnings disappoint in 2021. Plus, what if Joe Biden is elected and hikes taxes on capital gains? Investors might dump equities after November 3rd.

If you’re planning retirement over the next few years, you should consider moves now to protect your assets.

On Monday, September 14, 2020, you’ll hear me discuss:

•        How to prepare your portfolio for tougher times using the right securities to substantially reduce risk
•        How to significantly reduce portfolio volatility without selling your stocks and incurring taxes
•        Build a financial roadmap to a less stressful and more enjoyable life

Plus, important discussions, including:

•        As you age, risk levels decrease
•        Older investors can’t afford bear market losses
•        Since 2000, we’ve had 3 bear markets
•        A traditional 60/40 portfolio won’t protect your wealth in the years ahead
•        Volatility will remain historically elevated as deficits rise, trade tensions grow and inflation gains momentum

Please join us on Monday, September 14 at 1.30PM EDT. Please use the following link to register:
https://attendee.gotowebinar.com/register/6167268881717301773

This link has been having some difficulties. If you encounter any problems let Thomas Fischer know at  thomas@enrasset.com

Low interest rates create an economic crisis for Boomers most of all.

Already, nearly a quarter of Baby Boomers plan to postpone their retirement due to the COVID-19 pandemic, according to a new survey, and about the same number say the crisis has changed when they plan to claim their Social Security benefits.

Boomers, especially early Boomers born in the 1940s, cannot take the same long view as younger generations.

ENR’s webinar can help you decide what to do.

Gary

Add Safety & Get Paid 154% More

Get paid more now!

Current markets have turned economic history upside down.  Normally bonds pay the highest interest rates and add safety to a portfolio.  Not right now.

This chart from the New York Times article “The Mystery of High Stock Prices” (1) shows that equities pay a higher yield than bonds.

wsj.com

Most Important, Get Paid the Most Now!

Just because US stocks pay more than dollar denominated bonds, does not mean they offer the best income deal.  In fact the chart below shows that US shares pay one of the lousiest yields of the 46 stock markets we monitor around the world.

The US MSCI Index pays a modest 1.91%.  That’s a terrible yield, but better than the 1.6% you can get in AA rated corporate bonds.

Nine solid, top value stock markets (shown below) not only add diversification and the best long term profit potential, they pay 71% higher yield, 3.27% compared to the US yield of 1.91%.

This is why my core stock portfolio consists of a handful of top value share ETFs and this position has hardly changed in five years. 

Let me explain why this strategy adds safety, increases long term appreciation potential and pays almost double short term income right now.

In a moment, I’ll show how to push that yield to 4.07% per annum without adding additional risk.

keppler62020

During the past five years, I have been steadily accumulating the same good value ETFs.  I have traded only three times, so my trading costs, my fuss, fiddle and time spent have been kept to an absolute minimum.

I have been investing in iShare country ETFs.  Each one invests in the MSCI Index of one of the top (or neutral in the case of Canada and Australia) value markets above.

My strategy protects against stock market volatility and yet has potential for the best gains long term from rising share prices by holding an equally weighted portfolio of the best value based country ETFs.

The Purposeful Investing Course tracks 46 stock markets around the world into determine which markets offer the best value.

Since no one knows what the future will bring, investing in value makes the most long term sense.

Plus Value ETFs are Safer

The people who dominate stock markets include a pack of thieves.  This fact has always been true.  We were recently reminded of this fact when Wirecard AG, one of Europe’s most prestigious companies, listed on Germany’s premier stock-market index, the Dax 30 fooled everyone including its top grade, longtime auditor, Ernst & Young GMBH.

The shares in German fintech company Wirecard AG (symbol WDI fell 63.74% as it filed for insolvency proceedings, after revealing that more than $2 billion in cash missing from its balance sheet was all a fraud.  The company’s market value fell to less than €500 million from almost €13 billion in a week.

Investors have seen this type of rip off again and again, really big scams from Enron to Bernie Madoff and these are just the tip of the iceberg.

Shares in stock markets are manipulated all the time.  Stock markets (in fact almost all types of markets) are led by sharks plain and simple.  Count on this fact.  This is the nature of the beast and the number one goal of many big businesses is to take as much of your money as they can to line their pockets.

In the Wirecard AG example many  thousands of investors have seen their hard work, their thrift, their security and hopes for the future disappear, even though they seemingly did everything right by investing in a blue chip, new era, high tech company.

A study of 92 years of investment returns shows that, despite the fraud and cheating and deceit, stock markets are still a good way to make your money grow… if you invest long term and diversify.

keppler

Our Pi strategy makes it harder for cheaters to grab your wealth because it’s very hard to manipulate an entire stock market, much less a dozen or so stock markets around the world.

Manipulators have a hard time tricking an entire market, especially larger markets.  If you get the best value country ETFs, your chances of long term profits improve.

Our Purposeful Investing Course (Pi) teaches an an easy, simple and effective approach to zeroing in on value because little time, management and guesswork is required.  You are investing in a diversified portfolio of good value indices.

Sticking to math based stock market value and country ETFs eliminates the need for hours of research aimed at picking specific shares.   Investing in an index is like investing in all the major shares of the market.  You save time because all you have to do is invest in the ETF to gain the profit potential of the entire market.

To achieve this goal of diversification the Pi portfolio consists of iShare Country Index ETFs managed by Black Rock, Inc.

Country Index ETFs are similar to an index mutual fund but are shares normally traded on a major stock exchange that tracks an index of shares in a specific country.  ETFs do not try to beat the index they represent.  The management is passive and tries to emulate the performance of the index.

A country ETF provides diversification into a basket of equities in the country covered.  The expense ratios for most ETFs are lower than those of the average mutual fund as well so such ETFs provide diversification and cost efficiency.

I am updating my plan to increase my average yield to as much as 4.07%.

My developed market portfolio has been diversified into nine developed markets: Austria, Germany, Hong Kong, Italy, Japan, Norway, Singapore, Spain and the United Kingdom.

iShares Country ETFs make it easy to invest in each of the good value markets.

The average yield of these nine markets combined was 3.27% as of June 2020.  By replacing the three lowest yielding markets, Austria (.64%), Germany (1.83%)  and Japan (2.51%)  with two better yielding neutral markets Australia (4.57%) and Canada (3.54%) the average annual yield on the entire portfolio rises to 4.07%.

4.07% is 154% higher than the 1.6% you can currently earn on AA rated corporate bonds!

The ETFs provide higher income and incredible diversification for safety, plus the highest long term profit potential.

iShares is owned by Black Rock, Inc. the world’s largest asset manager with over $4 trillion in assets under management.

There is an iShares country ETF for almost every market.

Here’s how you can create your own good value strategy.

I would like to send you, on a no risk basis, a 130 page basic training course that teaches the good value strategy I use.  You learn all the Pi strategies, what they are, how to use them and what each can do for you, your lifestyle and investing.

You also begin receiving regular emailed Pifiolio updates and online access to all the Pifolio updates of the last two years.  Each update examines the current activity in a Pifolio, how it is changing, why and how the changes might help your investing or not.

You also receive a 100+ page PDF value analysis of 46 stock markets (23 developed markets and 23 emerging stock markets).  This analysis looks at the price to book, price to earnings, average yield and much more of all 46 markets.

This year I will celebrate my 52nd anniversary of global investing and writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in the Pi course.

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.

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 out performance 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%.

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 $124.50 off the subscription.

Guarantee

Enroll in Pi.  Get the basic training, the 46 market value report and access to all the updates of the past two years, plus all new updates over the next year.

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 in the first two months for a full no fuss full refund.

You have nothing to lose except the fear.   You gain the ultimate form of financial security as you reduce risk and increase profit potential. 

Due to the COVID-19 pandemic we have cut the subscription to $174.50.  You save $124.50!

Then because this global recovery from the pandemic is going to take years, we’ll maintain your subscription at just $99 a year rather than $299.  Your subscription will be autorenewed in 2021 at $99, though you can cancel at any time.

Click here to subscribe to Pi at the discounted rate of $174.50

Subscribe to Pi today and you get a year’s subscription to Pi now, get the 130 page basic training, the 120 page 46 market value analysis, access to over 100 previous Pifolio updates, plus begin receiving regular Pifolio updates throughout the year.

Gary

(1) www.nytimes.com: mystery of high stock market prices

(1) money.com/where-to-find-yield/?xid=applenews

Refreshing the Investing Thought


How can we adapt our investing to changing values?

We live in a turbulent world and can expect rapid change, hidden agendas and huge shifts in communication.

Fortunately when we are caught in the currents of such rapid shifts, our anchors of value can help us remain steady and secure.

wsj.com

Image from WSJ.com “The Baby Boomer vs. Millennial Investment Smackdown”

The Wall Street Journal article “The Baby Boomer vs. Millennial Investment Smackdown” points out a new concern in investing… how do we see what’s ahead?

The Journal created two baskets of stocks: one created with young people in mind and one with products retirees might want.

The article says: The Wall Street Journal constructed two stock portfolios that we will revisit. The first should benefit from the growing spending power and priorities of the millennial generation, loosely covering people born between 1981 and 1996.

Although millennials are often confused with their younger cousins in Generation Z, they are now all grown up and most are finished with full-time education. In the next two years, the eldest millennials will turn 40.  According to PayScale, that is the age at which female earnings peak on average, while an average man’s earnings rise until his early 50s.

The second portfolio was designed to capture the needs and desires of the wealthiest cohort, the baby boomers born between 1946 and 1964, who have entered or are entering retirement.

While they are on their way out of the workforce, or have already left, the boomers have an overwhelming presence in American economic and political life. For now, their behavior

On the boomer side, longevity and human frailty are themes. By 2035, the Census Bureau says there will be more Americans over 35 than under 18. The boomer portfolio, understandably, is heavy on major pharmaceutical and health-care names.

Warren Buffet made his fortune investing in things he knew… Coca Cola, razor blades, ice cream… etc.  Today in the era of broadband when each generation has totally different forms of communication, of tastes and desires, it’s so much harder to know which national habits will fold and which will grow.

The bankruptcy of dairy giant company Dean Foods is an example as big glasses of milk with meals have disappeared.  Younger generations drink alternatives.  Who could have imagined this… or the popularity of avocado toast?

How many of us dumped investments in dairy and invested in avocados instead?

What form of communication can we use that sees through the fragmented messages that bind our nation today?

The one methodology that still transfers information equally across all age groups is math.  One and one is still two in every generational cohort.

If two equal things available at different prices that math creates an energy that will move one price up or the other down… eventually.  This is the essence of value.

The idea of relying on math rules my approach to investing.   I look at the price to book, price earnings ratios and average dividend yields of  equities all over the world rather than dabble in the unreliable economic news spewed out by the mainstream media.

I invest in shares that cost the least because I know eventually these shares will rise to meet equities that cost more.

Eventually is a key word in value investing because math and value ignore trends that often distort prices.  For example the model portfolio we created (and that we hold as our equity portfolio) started almost four years ago.   It kept pace (blue line) with the S&P 500 index (green line) until mid 2018, but has since fallen behind the growth oriented Wall Street surge.

motif

This creates added opportunity in my mind as my portfolio consisting of country ETFs in 17 countries sells right now at  under 1.4 times book and 13.6 price earnings ratio with an average dividend over 3.8% compared to the US MSCI Index trading at over 3.4 times book, 21.5 P/E and an average dividend at under 2%.

Here’s the math!

Keppler Asset Good Value MSCI Portfolio                            US MSCI Index

Price to Book                                                   Less than 1.4                                                            Over 3.4

P/E Ratio                                                              13.6                                                                           21.5

Average Dividend Yield                              Over 3.8%                                                                    Under 2.%

Boomers, Gen Xrs, Millennials and now Gen Zs.  We all share different worlds on one globe.  Broadband obscures much of each generation’s activity from the others, so its harder to spot trends and see the big picture.  Yet math still links us all… the reliabale indicator of reality.  Use math to stay fresh in a world where we have to continually refresh our views of what’s ahead.

Gary

Profitable Investing Made EZ

There are only three steps to sustained, safe profits in investing.   Seek value.  Cut losses.  Take profits.

Quotes from three great value professional investors support this thought.

Be fearful when others are greedy, and greedy when others are fearful.” Warren Buffett

“In the short run, the market is a voting machine, but in the long run it is a weighing machine.” Ben Graham

We don’t have to be smarter than the rest. We have to be more disciplined than the rest.” Charlie Munger

We do not have to be brilliant to preserve our wealth.  When it comes to investing, discipline can make professional investing EZ because you become smarter than the smartest man in the world.

newton

Sir Issac Newton

Sir Isaac Newton is widely regarded as one of the most influential scientists of all time.  His role was key in the scientific revolution.

His book “Mathematical Principles of Natural Philosophy” laid the foundations for mechanics.

He supplied a foundation to optics.

He helped develop modern calculus.

Newton formulated the laws of motion and gravitation and confirmed the heliocentric model of the cosmos.

Newton built the first practical reflecting telescope.

His theories about color and cooling and the speed of sound were spring boards in physics.

In math, Newton contributed to the study of power series, the binomial theorem to non-integer exponents, and a method for approximating the roots of a function.

He is said to have been the greatest genius who ever lived!

But Sir Issac Newton also lost his shirt in the stock market. 

Newton said: “I can calculate the motions of the heavenly bodies but not the madness of the people.”

Sir Issac forgot the intelligence in seeking value. He ignored the fact that buying and selling discipline is more important than being smart.

How can we gain this discipline?  Discipline comes from simple math which is why my Purposeful investing course (Pi) is based around mathematicians not economists.

I am happy to introduce an investing math program that instills investment discipline in our Pi course.

Use math and time, not emotion and timing to protect your wealth.

We need a strategy so our savings, investments & income are sufficient for a full lifetime which can be much longer than statistics suggest.  That’s really good to know but longer life expectancy is expected to worsen the shortfall in Social Security by 11 percent over the next 75 years.

What will a longer, active life do to our savings and budgets?

During nearly five decades of global investing I have noticed that some people, such as Warren Buffett, have a three point good value strategy that increases their wealth again and again.

What are the three tactics of this strategy?

The first tactic is to seek safety before profit.

A research paper that studied Warren Buffet’s investing strategy was published at Yale University’s website. This research shows that the stocks he 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).

The second tactic is to maintain staying power so you can let time do its work.  At times Buffet’s portfolio 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.

The Buffet strategy integrates time and value for safety and profit.

A third, limited leveraging, tactic in the strategy boosts profit.  Buffett leverages his portfolio at a ratio of approximately 1.6 to 1.   The Yale published research paper shows the leveraging methods used by Warren Buffett to amass his $50 billion fortune.  The researchers found that the returns from Buffett’s investment company, Berkshire Hathaway, far outweighed those achieved by any rival that has operated for 30 years or more.  The research shows that neither luck nor magic are involved.  Instead, the paper shows that Buffet’s success hinges on using leverage at the rate of 1.6.

To sum up the strategy, Buffet uses value, time and leverage to buy and hold “cheap, safe, quality stocks”.  He uses limited leverage so he can hold on for very long periods of time, surviving rough periods where others might have been forced into a fire sale or a career shift.

You can learn how to use this type of three point strategy with the Purposeful investing Course (Pi).  This course is based on my 50 years of global investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Pi reveals investing secrets and the sciences that make investing easy, safer, less time consuming and increases the chances of profit.

Lessons from Pi are based on the creation and management of a Pi Model Portfolio.  There are no secrets about this portfolio except that it is based entirely on good math and uses time to take advantage of value.

The value analysis is used to create a portfolio of MSCI Country Benchmark Index ETFs that cover  stock markets that are undervalued.  I have combined my 50 years of investing experience with the study of the mathematical market value analysis of Michael Keppler, CEO of Keppler Asset Management.

In my opinion, Keppler is one of the best market statisticians in the world.  Numerous very large fund managers use his analysis to manage over $2.5 billion of funds.  However because Keppler’s roots are in Germany (though he lives and operates from New York) and most of his funds registered for the European Union, Americans cannot normally access his data.

I was lucky to have crossed paths with Michael about 25 years ago, so I am one of the few Americans who receive this data and you will not find his information readily available in the US.

In a moment you’ll see how to remedy this fact.

The Pifolio analysis begins with Keppler’s research that continually monitors 46 stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  Then Keppler takes market’s history into account.

Fwd: keppler

Michael Kepler CEO Keppler Asset Management.

Listen to Michael Keppler explain his philosophy for 6 minutes and 43 seconds here.

Michael’s analysis is rational, mathematical and does not cause worry about short term ups and downs.  Keppler’s strategy is to diversify into an equally weighted portfolio of the MSCI Indices of each good value (BUY) market.

This is an easy, simple and effective approach to zeroing in on value because little time, management and guesswork is required.  You are investing in a diversified portfolio of good value indices.

A BUY rating for an index does NOT imply that any one stock in that country is an attractive investment.  This eliminates the need for hours of research aimed at picking specific shares.  It is not appropriate or enough to instruct a stockbroker to simply select stocks in the BUY rated countries.  Investing in the index is like investing in all the shares in the index.  You save time because all you have to do is invest in the ETF to gain the profit potential of the entire market.

To achieve this goal of diversification the Pi portfolio consists of Country Index ETFs.

Country Index ETFs are similar to an index mutual fund but are shares normally traded on a major stock exchange that tracks an index of shares in a specific country.  ETFs do not try to beat the index they represent.  The management is passive and tries to emulate the performance of the index.

A country ETF provides diversification into a basket of equities in the country covered.  The expense ratios for most ETFs are lower than those of the average mutual fund as well so such ETFs provide diversification and cost efficiency.

Here is the Pifolio I personally held at the beginning of 2020.

70% is diversified into Keppler’s good value (BUY rated) developed markets: Australia, France, Germany, Hong Kong, Italy, Japan, Norway, Singapore, Spain and the United Kingdom.

30% of the Pifolio is invested in Keppler’s good value (BUY rated) emerging markets: Brazil, Chile, China, Colombia, the Czech Republic, South Korea, Malaysia and Taiwan.

iShares Country ETFs make it easy to invest in each of the MSCI indicies of the good value BUY markets.

For example, the iShares MSCI Australia (symbol EWA) is a Country Index ETF that tracks the investment results the Morgan Stanley Capital Index MSCI Australia Index which is composed mainly of large cap and small cap stocks traded primarily on the Australian Stock Exchange mainly of companies in consumer staples, financials and materials. This ETF is non-diversified outside of Australia.

iShares is owned by Black Rock, Inc. the world’s largest asset manager with over $4 trillion in assets under management.

There is an iShares country ETF for every market.

How you can create your own good value strategy.

I would like to send you, on a no risk basis, a 130 page basic training course that teaches the good value strategy I use.   I call this strategy Purposeful Investing (PI).  You learn all the Pi strategies, what they are, how to use them and what each can do for you, your lifestyle and investing.

When you subscribe to Pi, you immediately receive a 120 page basic training course that teaches the Pi Strategy.   You learn all the Pi strategies, what they are, how to use them and what each can do for you, your lifestyle and investing.

You also begin receiving regular emailed Pifiolio updates and online access to all the Pifolio updates of the last two years.  Each update examines the current activity in a Pifolio, how it is changing, why and how the changes might help your investing or not.

Included in the basic training is an additional 120 page PDF value analysis of 46 stock markets (23 developed markets and 23 emerging stock markets).  This analysis looks at the price to book, price to earnings, average yield and much more.

You also receive two special reports.

In the 1980s, a remarkable set of two economic circumstances helped anyone who spotted them become remarkably rich.  Some of my readers made enough to retire.  Others picked up 50% currency gains.  Then the cycle ended.  Warren Buffett explained the importance of this ending in a 1999 Fortune magazine interview.  He said:  Let me summarize what I’ve been saying about the stock market: I think it’s very hard to come up with a persuasive case that equities will over the next 17 years perform anything like—anything like—they’ve performed in the past 17!

I did well then, but always thought, “I should have invested more!”  Now those circumstances have come together and I am investing in them again.

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.  The two conditions are in place again!

30 years ago, the US dollar rose along with Wall Street.  Profits came quickly over three years.  Then the dollar dropped like a stone, by 51%  in just two years.  A repeat of this pattern is growing and could create up to 50% extra profit if we start using strong dollars to accumulate good value stock market ETFs in other currencies.

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago.  The trends are so clear that I have created a short, but powerful report “Three Currency Patterns for 50% Profits or More.”   This report shows how to earn an extra 50% from currency shifts with even small investments.  I kept the report short and simple, but included links to 153 pages of  Good Value Stock Market research and Asset Allocation Analysis.

The report shows 20 good value investments and a really powerful tactic that shows the most effective and least expensive way to accumulate these bargains in large or even very small amounts (less than $5,000).  There is extra profit potential of at least 50% so the report is worth a lot.

This report sells for $29.95 but in this special offer, you receive the report, “Three Currency Patterns for 50% Profits or More” FREE when you subscribe to Pi.

Plus get the $39.95 report “The Silver Dip” free.

With investors watching global stock markets bounce up and down, many missed two really important profit generating events over the last two years.  The price of silver dipped below $14 an ounce as did shares of the iShares Silver ETF (SLV).   The second event is that the silver gold ratio hit 80, compared to a ratio of 230 only two years before.

In September 2015, I prepared a special report “Silver Dip 2015” about a silver speculation, leveraged with a British pound loan, that could increase the returns in a safe portfolio by as much as eight times.  The tactics described in that report generated 62.48% profit in just nine months.

I have updated this report and added how to use the Silver Dip Strategy with platinum.   The “Silver Dip” report shares the latest in a series of long term lessons gained through 40 years of speculating and investing in precious metals.  I released the 2015 report, when the gold silver ratio slipped to 80.  The ratio has corrected and that profit has been taken and now a new precious metals dip has emerged.

I have prepared a new special report “Silver Dip” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.

You also learn from the online Value Investing Seminar, our premier course, that we have been conducting for over 30 years.  Tens of thousands of delegates have paid up to $999 to attend.  Now you can join the seminar online FREE in this special offer.

This three day course is available in sessions that are 10 to 20 minutes long for easy, convenient learning.   You can listen to each session any time and as often as you desire.

Triple Guarantee

Enroll in Pi.  Get the basic training, the 46 market value report, access to all the updates of the past two years, the two reports and the Value Investing Seminar right away. 

#1:  I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through slow, worry free, easy diversified investing.

If you are not totally happy, simply let me know.

#2:  I guarantee you can cancel your subscription within 60 days and I’ll refund your subscription fee in full, no questions asked.

#3:  You can keep the two reports and Value Investing Seminar as my thanks for trying.

You have nothing to lose except the fear.   You gain the ultimate form of financial security as you reduce risk and increase profit potential.

Subscribe to Pi now, get the 130 page basic training, the 120 page 46 market value analysis, access to over 100 previous Pifolio updates, the “Silver Dip” and “Three Currency Patterns For 50% Profits or More” reports, and value investment seminar, plus begin receiving regular Pifolio update lessons throughout the year.

Subscribe to a Pi annual subscription for $197 and receive all the above.

Your subscription will be charged $99 a year from now, but you can cancel at any time.

Gary

(1) www.wsj.com/articles/the-baby-boomer-vs-millennial-investment-smackdown-11559813581

 

 

New American Shift to Panama


An great demographic trend (which Merri and I have been cashing in one for decades) has added a new dimension that creates unimaginable opportunity in the decades ahead.

The trend was created by lies.  From the 1960s, Americans were promised the world.  They were given broken dreams instead.

Almost every institution… pensions, health care, justice, finance, commerce, government, even religion, all made exciting guarantees, but then let everyone down.

The unfilled expectations started a trend of Americans moving to better places that offered real benefits… not just fake assurances.

Merri and I have been helping readers make moves abroad… first to mountains near Geneva and London (in the 1970s).  Then we focused on the Isle of Man (in the 1980s).  Later we took thousands to Ecuador starting in the 1990s).

When Boomers started retiring the trend of Americans finding better homes picked up pace, a trend that will continue for another decade or more.

Boomers began to retire starting a decade ago. Many found their pensions and social security severely squeezed by inflation, leaving them with one of five options.

#1: Keep working

#2: Move to less expensive areas within the US

#3: Export their retirement

#4: Live in near poverty

#5: Die

Now a new expat trend creates incredible opportunity.

A fortune magazine article “One-third of Americans are ready to ditch the country permanently” shows how the expat trend is expanding dramatically.

The article says: Over a third of Americans (including foreign-born residents), and over half of Millennials, would consider taking a break from the country and moving abroad, according to a new survey from TransferWise.

The survey found that Millennials are the most likely generation to pick up and hop the pond: 55% of those aged 18-34 say they’d consider moving away.  Regardless of staying or leaving, the vast majority of respondents (84%) believe the U.S. could be made more appealing by providing more affordable healthcare, lower taxes and improved education.

Boomers moving abroad created a huge opportunity.  The Millennial shift creates unbelievable new potential! 

businessinsider.com

Millennials, outnumber Boomers, 83.1 million versus 75.4 million according to the U.S. Census Bureau.  The new numbers add combustion to an already explosive trend.

Panama is one of the countries that will benefit most from the American exodus.

Get a FREE report “How to Retire in Panama” here.

Our friend Jackie Lange wrote this about her life in Panama.

Panama offers a lower cost of living than North America or Europe.

My average monthly expenses are only about $1000 a month, including international health insurance. I purchased my house, so I don’t pay rent. Because my house purchase price was only $120,000, I will never have any property taxes. My house insurance is less than $200 a year. And my average electric bill is about $25 a month. My water bill is only $100 a year!

Even if you pay rent, you should be able to keep your monthly living expenses well under $2000 for a couple. In many areas in Panama, you can get a nice furnished 2-bedroom 2-bath rental house for about $700 a month. That price includes all utilities and a weekly gardener.

Many say, including me, that it is a better quality of life in Panama too. Fresh fruits and vegetables are readily available at very affordable prices. It’s quite possible that your health will improve when you move to Panama. Some people have been able to get off all medications after moving to Panama.

Retire in PanamaThere’s so much to do in Panama too! Because you’re retired, you’ll finally have time to do the things you’ve always wanted to do. There are hiking groups, cooking classes, gardening groups, birding, live music and dancing… the list goes on and on of things you can do in Panama. If you live at the beach, you may decide to spend a day in the mountains for a change of scenery – it’s only a 1 hour drive. If you live in the mountains it is a 1 hour drive to the Pacific Ocean or a 3 hour drive to the Caribbean Sea.

When you retire in Panama, you’ll meet some very interesting people who come from all over the world to live in beautiful Panama. Your life in Panama will be a totally new experience and adventure.

Compared to many other countries, Panama has better roads and infrastructure like internet, water and electricity.

Panama is known for it’s excellent health care and hospitals including the Cleveland Clinic affiliate Hospital Paitilla and the Johns Hopkins affiliate Punta Pacifica Hospital. Panama’s doctors are well trained and many speak excellent English. A doctor visit is only $12 in Boquete or $40 for a specialist (these prices are not co-pays).

Panama offers retirement and business opportunity as well.

For the past decade the big shift in Panama has been by boomers.   This is in part due to Panama’s retiree discounts.

A big bonus for retirees in Panama is the world famous Pensionado Visa. This residency Visa allows you to live in Panama indefinitely if you want to. And it also entitles you to many discounts like

• 50% off on recreation and entertainment such as movies, theaters, sports, etc.
• 50% off hotels Monday through Thursday (30% off on weekends)
• 50% off passports
• 30% off public transportation like buses, trains, and boats
• 25% off airfare
• 25% off restaurants (15% off fast food)
• 25% off electrical, telephone, and water service
• 20% off doctors and specialists
• 20% off prosthetics and other personal assistance devices
• 15% off hospitals and private clinics
• 15% off dental and optometry services
• 10% off prescription medications
• tax-free importation of household goods, up to $10,000

There’s even a special line at the bank for retirees so you don’t need to wait in long lines ever again.

These retiree discounts add up to BIG SAVINGS for retirees.  The expat shift of Millennials adds up to business opportunity as new energy, new money and huge numbers of  Americans move abroad. 

One way to learn more about Panama is with Jackie Lange’s free eight part series on living in Panama.

panama

Get Jackie Lange’s FREE report “How to Retire in Panama” here.

Jackie moved to Panama in 2010 and started Panama Relocation Tours to provide the fastest and easiest way to explore Panama and determine where you’d want to live while also learning about Visa options, affordable health insurance, how to find a rental, how to get your pet to Panama, how to buy a car in Panama, and much more.

This is a 6-day, 7-night, all-inclusive tour which will take you all over Panama to help you find the city where you want to live. We’ll also introduce you to expat retirees in each area. Most of our tour clients retire in Panama within 6 months of taking a Panama Relocation Tour!

This is NOT a touristy tour. It’s not about zip lines or visiting rum factories.

Since 2010, Jackie’s focus with Panama Relocation Tours, is to teach people what they need to know to relocate and retire in Panama the EASY and most AFFORDABLE way.  Because she is retirement age too, and semi-retired, she fully understands the Boomer’s needs and concerns. During a Panama Relocation Tour, you’ll even learn about the unique customs in Panama so you never have an awkward moment.  No one knows more about how to retire in Panama than Jackie does!

If you are thinking about earning instead of retiring, the tour shows you the basics so you can spot new ways to gain opportunity from the growing flood of Americans who will move to Panama.

Get Jackie Lange’s FREE report “How to Retire in Panama” here

Gary

learnspanish

Learn Spanish in Three Days ONLINE

Instant $110 discount on the course!

The “Learn Spanish in Three Day Course” is now available online.

Read below to see why we are offering our Super Spanish course online for the first time.

Speaking Spanish is a huge benefit on its own.  You can become one of the rare North Americans who can get along in Spanish speaking countries.  You can be one of the special people who can communicate with 10 million non-English speakers in the USA.  Spanish is the second most used language in the USA.  There are more Spanish speakers than speakers of Chinese, French, German, Italian, Hawaiian, and the Native American languages combined.  According to the Census Bureau, Spanish is the primary language of nearly 50 million people in the US.  This is the largest Spanish-speaking community outside of Mexico. Only half of these speakers also speak English “very well,” and 19% do not speak Spanish at all.

You can tap into all this potential when you speak Spanish.  Yet there are more benefits.

An article in England’s leading newspaper, the Telegraph, entitled “Why learn a foreign language? Benefits of bilingualism” (1) sum up the biggest benefit of learning a second language and increased intelligence.  The article says: “Learning a foreign language is more than just a boost to your CV or handy for traveling.  It will make you smarter, more decisive and even better at English.  Physiological studies have found that speaking two or more languages is a great asset to the cognitive process.  The brains of bilingual people operate differently than single language speakers, and these differences offer several mental benefits.”

The article then explains studies that show seven cognitive advantages gained from learning a foreign language.

#1:  You become smarter
#2:  You build multitasking skills
#3:  You stave off Alzheimer’s and dementia
#4:  Your memory improves
#5:  You become more perceptive
#6:  Your decision-making skills improve
#7:  You improve your English

Does it sound impossible to learn Spanish in three days?  Yes, it is impossible when you try to learn Spanish in the old, traditional way.

Though you may choose to take more time using this course to learn Spanish, thousands of our readers have learned at our Spanish courses.

There is a scientific method of learning… proven and described in numerous best selling books that create educational jumps by making education natural, easy and fun.   This course works because it is education without stress!

This method was created and refined by the Bulgarian educational master, Georgi Lozanov, who transformed the entire Soviet educational system to such a degree that this third world country beat the USA into space.

Merri was lucky to be one of a handful of students outside of Bulgaria who were allowed to be taught this system in the early 70s.  She practiced this unique and remarkable form of education for  four decades. It was a delight!

Merri and I began integrating these techniques with other shamanic and educational tactics we had gained in our global travels and then applied them to teach Spanish in three days.

The course has been proven again and again by the thousands who have used this system.  You can read a few of the many raves we have received from delegates who have learned from the Super Thinking Spanish course we created.

Here are a few quotes from delegates of the course.

One delegate from St. Louis wrote:  Hi Gary,  Just ended forty-five years in dentistry last week, and I’m on to a new career.  What is my new career?  Still formulating, but the eye -opening,mind expanding Super-Spanish course last weekend in St. Louis surely shows me the opportunity exists to expand my horizons.

Besides having a lot of nice people to learn our new language; the methods Merri and you developed proved to be just what you said they would be.  We all and I in particular relaxed our way to new learning.  I feel so very comfortable with the basis of my new language skills that I know I will be spitting out great Spanish sentences by the time I reach Ecuador in October.  Last year I spent six weeks in Ecuador and now I plan on conversing with the people.

Today’s excerpt of your newsletter really hit home. You do what you say you will. There are no surprises or hidden sales tricks. The only tricks are beneficial to our learning.  Thank you for a wonderful experience that I was quite unable to grasp how you would pull it off.  You did, however, and I look forward to other courses that you offer, and I have absolutely no doubt they also will work beneficially.  Best regards, Denis Molloy.

Another wrote about the Super Spanish course:   Buenos Dias, here is a testimonial for Super Thinking-Super Spanish.  Please feel free to use all or part in promotions for the course.  In addition, you may give my email address to any prospect “on the fence” about enrolling.  Yesterday, in Cotacachi, Ecuador, I finished Super Spanish.  I had high expectations for the course and they were exceeded.

After three days, I can speak Spanish in complete sentences. In simple conversations, such as buying groceries or ordering a meal, I can make myself understood. I think that’s incredible!

Although I am far from the competence level of a native speaker, I feel I’ve taken a giant step forward in learning Spanish so that I can experience the people and culture of Ecuador.  The foregoing benefits would have more than justified the time and money I invested in Super Spanish.  And learning some Spanish was not the most important benefit I got from the course.

Prior to leaving the USA, I had felt for some time that the pace of life there was unhealthy for me (and for most people) and I did nothing about it.

I’ve thought about the pace issue during the course.  One of the key elements Merri Scott designed into Super Spanish is placing the student in the optimal state for learning.  In class, the past three days, I’ve been re-introduced to guided journeys and introduced to the calming effects of Baroque music (www.sundaybaroque.org).  What a blessing! I’m inclined to make one or both a daily part of my life.   Rob Christi.  Cotacachi, Ecuador

Another attendee from a course wrote:   “I took this incredible class a few weeks ago, and I would like to tell anyone that is interested, that it is an amazing three days of learning with lots of laughs included. You leave everyday wanting to learn more and are so excited to do so.

“Other Spanish classes and tutoring made us feel like it would take forever to get to the point where we could put it into practice, but this method gave us a more fluent use for everyday life almost immediately AND the confidence to use it.  It is a fantastic way to show people how much they know and give confidence to learn and use Spanish creating a momentum.

“They made learning Spanish easy and fun in a very relaxed, comfortable atmosphere.  I would definitely recommend this course.  Even if you know some Spanish, this helps make it easier because of the less stress that no verb conjugations gives you.  This gives you more confidence in yourself to try and speak it more.

 “The stress free atmosphere and tons of interaction and participation were very conducive to learning.  The relaxation techniques alone are worth the price.  The fact that I can now feel more comfortable conversing in Spanish with my new friends and neighbors is priceless.  Muchas, muchas gracias.”

“I loved the relaxed environment.  I picked up quite a lot of new vocabulary.  I found this course very informative about how the language works, how I can make sentences and understand others better!  Muchas Gracias!  I had a call from Telcel (the local phone company) after our second class and I was able to speak and understand them for the first time. Despacio (meaning slowly) … a great word!  Everyone should take this course before they pick up bad habits.”

“I liked how simply the course was organized and the positive attitude about learning.  Thank you so much for helping me to learn Spanish!”

“I liked the laid back yet professional approach.  I highly recommend this new, relaxing method of learning Spanish,  I feel a lot more confident in the delivery of my words and sentences. It was taught in an excellent and very professional way.

“It was a very enjoyable class.”

How The Course Works

The first tactic is to use Baroque music in the learning process.  At least three best selling books, “Superlearning”, the “Mozart Effect” and “Superlearning 2000” have revealed insights about how to learn and think more powerfully based on systems drawn from the Bulgarian educational master, Dr. Georgi Lozanov.  Merri Scott was among just a few who learned directly from Lozanov.

The second tactic uses 17 unique lessons to provide Spanish fluency in a short time.   Let me prove to you how this tactic works by teaching you hundreds of Spanish words in less than 30 seconds.

Here is the proof.

“Most words in English that end in ION are almost identical, just pronounced differently.  For example action is accion, education-educacion, manipulation- manipulacion, etc.”

There you have it.  How long did it take you to read the sentence?  You now know hundreds of Spanish words that you will never forget.

See examples of the words you already know below.

How long would have taken you to memorize all those words?  How soon would you have forgotten them?

This is just one of seventeen Spanish lessons in the course.

The next lesson teaches how to pronounce each of the nouns.

Then, the third lesson teaches almost as many verbs, almost as quickly.

The fourth lesson shows how to avoid conjugating verbs by sticking with the infinitive (far easier than it sounds).  This simple lesson leaves a person sounding like a Spanish professor without ever conjugating a verb.

Lesson five shows how to sound infinitely polite and yet get almost anything desired in Spanish.

Lesson six gives valuable connectors and the seventh lesson triples the Spanish capacity with three words for “yesterday,” “now” and “tomorrow”.

By the end of three days you feel comfortable speaking Spanish.

Plus the system is Impro-Dynamic.  This means your Spanish keeps getting better even though you do not seem to be studying… practicing… or speaking Spanish.

I was amazed by this as I traveled back and forth from the USA to Ecuador.  The longer I was away from Ecuador… the better my Spanish became.  My second language was automatically improving The self improving feature comes because you learn to create Spanish sentences rather than remember them.  The portion of the brain that creates is more powerful than the portion that recalls.  When your mind creates something… it owns it!  You do not have to remember .

During the course you learn 4005 Spanish words that you already know .  

You then learn how to create Spanish sentences from these words.

Throughout the course you learn how to pronounce the sentences you create.

When the course ends… the mind keeps working… and creating… so next time you begin to speak Spanish you’ll be surprised .  You improve even though you have not actively worked on your lingual skill.

Due to the difficulty of getting groups together to learn this valuable technique, we created an online program for subscribers to use the Super Spanish course at home.  Normally $149, this is available at the highly reduced price of $79. Simply use coupon code SPANISH110 at checkout.

I’ll be in touch personally via email with each person who signs up for this course to see how it works or what is required to make it better.  Once this test is complete, we plan to offer the program on a larger scale and at a much higher price.

The ONLINE course has our, full satisfaction or money back, guarantee.  Try Super Spanish for 60 days.  If not fully satisfied, simply let us know for a full refund.

Learn Spanish online $79 – using coupon code SPANISH110 at checkout to immediately save $110 off the regular price of $149

Here are more testimonials from previous Super Spanish Courses.

Maggie wrote: It didn’t really seem possible that we would be speaking and understanding Spanish in only 3 days but the course made it happen in a very supportive learning environment.  I would highly recommend this course for anyone wishing to learn “practical Spanish”.  The teaching methods, use of relaxation, the use of native Spanish speakers for pronunciation and the teachers themselves who were approachable and helpful and always positive made this a very valuable class.

This course improved my self confidence in my ability to learn and retain a language.  It was presented with genuine enthusiasm, great energy and the style of learning is very effective. Gracias!  It was a great experience.

Nadine wrote: “Just spent the last 3 days in the most wonderful learning environment learning Spanish.  What an amazing learning experience!!  First day out of class and I could not stop thinking in Spanish WOW!!  I am amazed by how much I learned, retained and how much more is showing up now that I am out of class.  And the best part is THERE WAS NO STUDYING!! Indeed this is Super Thinking!!!  I would highly recommend this to anyone that has ever had a desire to learn another language or learn anything in record time.

And a few days after that ….  As I went through my day, just hanging out with my son, I could see myself starting to think in Spanish.  At first I thought it was amusing but as it continued and increased I thought “My goodness this is really remarkable amazing” It was really an effortless unfolding.  I wasn’t at any point “trying” to think in Spanish, just words I knew would fly across the screen in my mind.  And then this afternoon, my son cuddled up on the couch to watch some cartoons on his ipad and was watching Peppa Pig in Spanish…hmm coincidence?  I think not, I’m radiating Spanish so much that my son is being influenced!  Thanks a million again.  This weekend the best learning experience of my life!!

If you have ever had a desire to learn Spanish this is the way to do it!  By the end of the first day I had more confidence and more practical ability than I had from any previous courses I had taken.  It was fun and relaxed and full of laughter.  You will leave this class excited to use what you have learned.  Rather than leaving overwhelmed with how much you have yet to learn and master, you are equipped with the knowledge and know how to go out and communicate as well as the excitement to do it!”

Gary noted:  “The whole approach is positive and conducive to learning at a level that benefits ALL participants.  It is not intimidating and does not set up a pass/fail atmosphere.  The presenters are terrific and the results unbelievable.  It was relaxed, informal, friendly and effective.”

Twila said:  “This class provided a very refreshing and relaxed way of learning.  The atmosphere felt very safe to say the words you were practicing.  I learned a lot in a way that will make it easy to apply.  Starting with conversation is way more fun.  How quickly you can learn!  It was a great group, great instructors and great stories.

The atmosphere in the classroom was so relaxed that learning Spanish felt like a breeze and not like a painful task.  The relaxation exercises are really conducive to language learning.  We learned A LOT in a short time and it was fun and the environment was non-threatening.”

Brigitte sent this:  “Buenos Dias, Suzanne. su clase de espanol es excelente! Muchas Gracias!  
I have already done what you suggested and went into the program listening to the music and going over the lessons.  I know: Repetition……reinforcement…..thinking in the new language….it’s all part of it.  I loved your course and will certainly recommend it to friends.  Who knows….I might feel the urge and have the opportunity to repeat it at your beautiful place in Puerto Aventuras…..Quien sabe? Hasta otro dia y saludos a su familia.”

Marie wrote:  “I would highly recommend this course.  The amount covered in 3 days is amazing!  All with no stress.  The correlation lessons and pronunciation practice has greatly reduced my anxiety to go out and use my Spanish.  I really enjoyed the whole process and thank you for the take away tools.”

Learn Spanish online $79 – using coupon code SPANISH110 at checkout to immediately save $110 off the regular price of $149

Gary

Here is the English translation of a few of the many Spanish words you now know and will never forget.  How long would it have taken you to memorize them?  How soon would you forget?

“Most words in English that end in ION are almost identical, just pronounced differently.  For example, action is accion, education-educacion, manipulation- manipulacion, etc.”

Some more of these words:  Combination, Attrition, Education, Vacation, Petition, Lotion, Motion, Construction, Abduction, Pronunciation, Concentration and a ton of others!

Learn Spanish online $79 – using coupon code SPANISH110 at checkout to immediately save $110 off the regular price of $149

(1) www.telegraph.co.uk Benefits-of-bilingualism.html

(1) fortune.com: Americans move abroad

 

 

 

Teinen Zero


Teinen zero aka “zer0 retirement” is Japanese.

But the concept should be lively everywhere. We live in an era where technology makes the value of our experience worth much more than the cost of acquiring it.

This fact has changed the value of age.

retirement

Image from Mayekawa: Where age is a resource not a handicap (1).  Mayekawa has a policy called teinen zero (zero retirement). At this company, people are free to work as long as they want to. If a person turns 60, is eager to continue and colleagues agree, then employment is guaranteed with no age limit.

We can learn lessons on the value of age in the article “How Aging Japan Defied Demographics and Revived Its Economy” (2).

The article says: Japan has defied expectations and revived its economy by refreshing its labor force with the elderly, women and foreigners,

Now, the country is in its second-longest economic expansion since World War II despite its aging population and low birthrate, the newspaper said.

In 2004, the government raised the social security retirement agent from 60 to 65. It also required companies to either raise or completely abolish retirement age. In some cases, companies began a system for re-employing workers who did retire.

In addition, government officials also introduced programs to get retirees into the workforce and reverse the outmigration of young people. Similar efforts were made to get women into the workforce, the newspaper said.

The government also eased the rules for foreigners to work in Japan. And last month officials created two new visa categories and expects an additional 340,000 mostly blue-collar workers from outside Japan over the next five years.

A USA Today article “More older Americans working” (3) shows that this shift is taking place in USA as well.

usa today

The article says: Older workers are driving job growth as boomers remain in workforce longer

Americans 55 and over made up about half of all employment gains in 2018, according to an analysis of Labor Department data by The Liscio Report, a research publication for investors. That’s an eye-popping share considering that demographic made up only a quarter of last year’s labor force — which includes people working and looking for jobs.

One of the most deadly assumptions is that retirement brings our golden years.

Isaac Asimov is quoted as saying: “Your assumptions are your windows on the world. Scrub them off every once in a while, or the light won’t come in.”

Scrub off the idea of retirement!

The concept of retirement, as we know it, began with a political ploy in the late 1800s.  Chancellor Otto Von Bismarck of Germany announced that he would pay a pension to any nonworking German over age 65.   Sneaky politician that he was, he knew that hardly anyone lived to be 65 at the time.  Politics or not, this set the arbitrary world standard for the age when people retired.  The trick worked.

President Franklin D. Roosevelt learned from this.  He used this age when he pushed for the creation of the Social Security Act of 1935.  This idea of needing to quit being productive at age 65 grew and still worked because the the average life expectancy then was 61 years.

Now the wind is not behind the back of Social Security.  When the program was created in 1935 there was a ratio of approximately 37 workers for every 1 retiree. Today, the ratio is is less than 3 workers per 1 retiree.

The article “A 92-year-old Billionaire Explains Why You Should Never Retire” (4) exemplifies why we should not be caught by the assumption about the age of 65.

The article says: Joseph Segal doesn’t have too many regrets in life.

And in an interview with The Globe and Mail, the 92-year-old Canadian billionaire, who built a fortune through a number of different industries like retail and real estate, says one of the best choices he made was never retiring — despite already having made hundreds of millions of dollars.

“When you keep going, you haven’t stopped and you don’t know where the finish is going to be,” he said about avoiding retirement, adding that fresh business ideas continued to come to him well past 65.

“Life is an aircraft journey,” he said. “You’re ascending when you’re young. You’re cruising when you’re in your 40s, 50s, 60s or 70s or whatever. At some point, you descend. I’m descending but I’m fighting it.”

Encore careers  are considered solutions to retirement.  I disagree.  They should be the main act! They should be pinnacle careers!

First of all, why should we need to retire?    If we are not tired in the first place, why re-tire?

The more important question is – “Why are we so tired that we would want to be retired?”

Generally we are tired because we are working too much at something that does not sufficiently fulfill rather than having fun, doing what we love AND earning in the process.  This site focuses on ways to create micro businesses that earn but more importantly are gratifying, fun and make us feel excited to rise in the morning so we can serve the mission we feel needs to be filled.

This is the age of age!  Our best, most profitable, most enjoyable and helpful career should be after age 50, 60 or even 70.

There are numerous economic scenarios that could ruin retirement for many.  Inflation, a falling greenback, another market crash or recession.  Any of these could doom traditional retirement plans.  The timing of these events are beyond our control.

That’s okay because diversification into a business that fulfills and serves can be better than stocks and bonds, cash and gold… all put together.

Right now… cash pays almost nothing.  Bonds are quite sure to lose purchasing power.  Gold could rise or fall.  Shares have come off their all time high which creates a problem of timing.  They could fall.

Invest in your dream!

I had a little health scare during the winter that sent me packing to the ER.  The problem was easily resolved and all the tests, scans, blood tests etc. showed that otherwise I was seriously healthy.

This started me realizing that in my 70s, I have better health, more money and more experience than in my 30s-40s etc and can plan on having 30 years left to put it to work. (My mom’s 95 and still alive and mentally alert).

So that’s my assumption, 30 more years to work.

Well…not quite work.  Those who do what they love, never work.  30 more years of fulfillment through writing.

“Teinen Zero!” That’s a good idea that resolves many concerns and can help you live longer.  Why not make this your new assumption now?

Gary

Live Better and Be Free – 5 Global Earning Experiences

Here are 5 global income experiences and 7 business secrets that can help you live well and free anywhere despite the pandemic.

I began my international business over 50 years ago and have been creating and running international micro businesses since.

During that time my wife, Merri, and I have been able to live, work and earn all over the world… literally anywhere we wanted because of seven secrets we gained which we share here with you.  We have been blessed with global earning experiences that helped us make millions… but were also fun, such as with British Lordships.

See how this one micro business helped us rub elbows with British Royalty.

gary-scott-international-business

One of Merri’s businesses that worked with British Royalty was featured in Doonesbury.

Global Earning Experience #1:  Lepers.  Our micro businesses have been fulfilling.  Merri started her international business in her 20s (long before she knew me) importing Italian clocks to the USA.  This earned so much ($80,000 in the first year) that she created other micro businesses helping orphans in the Yucatan and Haitian lepers (at the Albert Schweitzer Hospital) produce crafts she sold for them in the USA.

Excellent income ($80,000 in the 1970s was a lot of cash)…  incredible contacts… working with Dr. Larimer and Gwen Mellon who created the Albert Schweitzer Hospital in Haiti… and enormous satisfaction.  Merri still cries over 40 years later when she tries to speak of the gratitude of the lepers and her time and life in Haiti.

Plus she gained lessons that allowed her to live and earn… in many places and many ways.

Then we got together.

Global Earning Experience #2:  Lords.  Another of Merri’s ideas (in the mid 1980s) was to broker British titles to wealthy Americans.  We made a ton from that… even gained 15 minutes of fame when Gary Trudeau learned about this business and immortalized it by having B.D. Zonker buy a title!

What fun… profitable, plus stimulating, meeting and working with the Blue Bloods of Britain… visiting their castles… invited to their events and affairs.

Before I get ahead of myself, may I ask you a question?

 

Would you enjoy living in two or even more places wherever and whenever you choose?  Would you be happier with more freedom, lack of debt, and a life of riches, adventure and fulfillment?  Would you be glad to feel confident that you can discover interesting and fun business ideas again and again that not only bring in extra income but also help the poor and improve the environment?

If so then read on… because… Merri and I have led that lifestyle for decades and can show you how to live it too.

The key is to earn from home offices.   They are part of a micro business secret and you’ll see why have two home offices (and using two cars in business) can save thousands in taxes.

You can also enjoy such a lifestyle because after years of search, I found business secrets that you can use and enjoy.

gary-scott-international-business

Waterfall at our North Carolina Farm.  See enjoyable benefits of a micro business in water.

Global Earning Experience #3: Hospitality.  Here’s a hotel we owned and operated in Ecuador.  Once we sold this we joined the sharing economy and began offering rentals in our North Carolina cabins through AIRBNB and houses in Florida.  We became designated super hosts within months and added thousands of extra dollars to our income every month.

Caring is just one example of how to live anywhere and earn, especially now that the pandemic will change how people vacation.

gary-scott-international-business

Having a variety of places to live is part of one of the secrets on how to earn more, have a better life with more fun, adventure and greater freedom.

Global Earning Experience #4:  Import-Export.   Here I am at our Florida house showing clients how to import.

gary-scott-international-business

I was wearing a hand tailored, made to order, high quality wool suit from Ecuador that could be imported into the US for as little as $135 .  Plus that Panama hat was made in Ecuador.  This is odd but true, all genuine Panama hats are made in Ecuador.  We imported Ecuador roses year round as well, all from one of our tax deductible US home office.

Dozens-of-roses

The secrets we’ll share below are not about how to buy suits or flowers though.   The secrets show ways to make money (while helping others) marketing products and services wherever you are and much more…. globally.

Global Earning Experience #5:  Green Produce.   We have an orange grove and lake at our Florida home and

gary-scott-international-business

are among the first to test new organic ways to make citrus farming better for the environment and the consumer.  In North Carolina we cultivate Wild American Ginseng as well as aquafarm.

These are just a few of the business experiences that can help you have the freedom to earn globally.  They are shared in our emailed correspondence course that you can now have FREE.

The course teaches a system based on seven secrets so powerful that it creates money for you regardless of where you are:  in town, out of the country, traveling or even in places as remote as we live.

These secrets have worked for us in real estate… titles… tours… agriculture… clothing… hospitality… alternative health…  spirituality… printing… publishing and art businesses for Merri and me all over the world.

Merri and I have created a special program we call “Live Well and Free Anywhere” that makes it possible for you to enjoy extra income doing something you love.  You can gain full or part time and enjoy excellent profits as you have fun and do something good in the world.

My search stumbled on the fact that most millionaires make their money in business.  This discovery led to a study of rich businesses, ones that generate everlasting wealth.  Here are three of seven secrets we share in our program that we learned and have used in our  micro businesses:

Secret #1: They must enjoy the multiple effect.  A product once created must produce profits again and again, almost on a never-ending basis.  Each investment made needs to make huge returns.

Secret #2: They need to be greater than their owner’s time.  They must produce income even when the owner doesn’t put in day-to-day effort. You may already be wealthy or earning a high income.  You may not even need another business or extra income, but some day you might.  One surgeon explained it this way.  “I am making a fortune because peoples’ lives are in my hands.  Once my hands are no longer steady, my income stops.   My entire financial well being will then be in someone else’s hands!”

Secret #3: These money making systems should be enjoyable and fun.  Sadly most people make money for the sake of making money.  Many spend their lives working, just to have a few precious hours having fun.  The most important fact about making and keeping wealth is that those who were richest absolutely love what they were doing.  Money is of secondary importance to their effort.  And as things are, this means they actually ended up making more money.

These secrets created a fantastic way to make money with my own international micro business doing what I love!

You too can have everlasting wealth by turning your passion into profit.

You too can have the freedom to do what you love from any place you like, even operating (actually preferably) from your bedroom, dining room or den if you wish.

What do you love? Rare cars?  You can make a fortune creating a business around them.  Do you prefer fine art? Or do you love beautiful jewelry, coins, gems, real estate, furs, model railways, dolls, scientific equipment, war memorabilia, old and rare books, or whatever?  Do you prefer social subjects rather than objects?

Are you concerned with the environment or humanitarian problems, with crimes, war or poverty?  Would you like to help wipe these social problems out in the course of your business?

Are you a golfer? Do you love to travel? Why not make all kinds of money in a global business related to golf?

Would you like to help the world be a more spiritual place, help people get along better together?  You can do something good for the world, increase your income and live wherever you please in the process!

Whatever your passion you can learn how to earn by creating a micro business based on it.

Take fishing, for example.

I am no great aquafarmer, but the numbers and lifestyle work on a small scale.  We pay about $3.50 a pound to stock the fish, they double, triple, even quadruple in size and we sell them at a local butcher shoppe for a modest profit.   This is not a big deal, but does generate income, helps attract guests to stay in our rental cabins, puts some great trout dinners on our table and is a thoroughly enjoyable part of my daily labor.  I need this to counter balance sitting in front of a computer.

Over a couple of months the fish grow… a lot.

gary scott

Millions of people love fishing but don’t have a pond.  This does not mean they cannot be involved in fishing.  Here are just a few of many ways that others have profitably matched this passion with profit.

Two of my friends, John and Lou, grew up near me in the Oregon mountains.  They were outdoor adventure types and moved to Canada, where they homesteaded 1,200 acres on a trout-filled lake in mid British Columbia.  They built a fishing camp that attracts fisherman from around the world.

Duncan Kinderman on the other hand loved fishing and castles.  He bought a castle on the River Tay, a great Scottish salmon river, and offered time shares for fisherman from Britain, Europe and the US.

Another entrepreneur I know was from Montana.  His skills were in marketing so he sold fishing trips for fishing camps.  He attended rod and gun exhibitions, met owners of these camps and arranged to sell their fishing trips to the US, Argentina and even in Russia to fisherman around the world.

Ralph Kylloe on the other hand loved fishing and photography so he created the book, “Fishing Camps”, which was published by Gibbs Smith publisher. This allowed Ralph to travel across the country enjoying fishing camps as he photographed and wrote.

Steve Ambrose, another friend of ours, had family commitments at home so he set up a bass fishing business in Florida that served Americans, Germans, Canadian, Dutch and Belgians.  Later as his children grew, he used his client base to arrange fishing trips in Argentina.

Each of these people had provincial backgrounds and differed in age, situation and skills.  Their common link, the love of fishing, led each to a global micro business.  Each was able to blend a unique nature and set of skills to develop a global business that surrounded them with fun, like minded fishing souls.

There is such an abundance of opportunity that Merri and I have created this program to help you have your own micro business that can be managed almost anywhere.  This program is unique because Merri and I are unique.  We started our global business together.  Since we’re almost recluses, we decided to do the whole business by ourselves… thus we create micro businesses that do not require large staffs.

We began working at home.  Today, though we have tens of thousands of buyers and have made millions, we still work at home on our remote farms and employ only a few people to help.

You’ll learn how to turn advertising dollars into a fortune.  You’ll learn how to create your own ads and when to use the internet… search engines… pay per click… classifieds, space ads, direct mail or word of mouth… even flea markets and roadside stands in some cases.

See how to build a PR list and social business network on the World Wide Web to gain thousands of dollars in free publicity.  I even share my most secret results on my marketing so you will know why sometimes you sell more units of a product at $49 instead of $29.

Learn how one couple used ads about retirement to supplement their retirement income and received free trips all over the world.

Learn how we have made money over the Internet (specific details, specific experiences, hard earned knowledge over the last 13 years!)  With an inexpensive computer you can easily run a business from home and still have tons of time left over – even if you are computer challenged.  Merri and I have certainly proven this.  We were one of the first to run a successful website and still rank high today even with millions of competitors.  The secrets in the course include a step-by-step approach.

Merri and I with our webmaster, David Cross, were leaders in beginning internet micros businesses and have sold millions over the web.  You gain ways to earn global income over the net from that experience as well.

Business people or professionals who want to add an extra profit center to their business or who want to change their business entirely will benefit.  Those who want more control over their career can profit.  Plus those who love global travel and want to turn their trips into profitable tax deductions!

Even older entrepreneurs are taking advantage of technology.  One of our friends and clients, Mickey E., was a 72 year old real estate broker, when she began a small global business.  With just a computer and internet, she created publications that attracted English real estate buyers.  This allowed her to become a top sales person in the biggest real estate firm (selling over a billion dollars of real estate a year) in town.  She later used the tactics she learned to move to Ecuador (in here late 70s) and start a micro business there.

This course is also for couples who want their own business or who want to have a business together or a family business.

This is the perfect course for those who can no longer find employment, who are looking for ways to earn abroad and who wish to retire and supplement their income.

Whether you are retired, an investor, chiropractor, doctor, dentist, professional or already own your own business, this offers another way to make money, to turn your passion into profit. We guarantee that we have shared all we know to help you start and run your own international business.  Enjoy and live a life of following your Passion to Profit… through an International Business.

The course is so complete Merri and I extend our “no fooling around-complete satisfaction guarantee”.

If you are not fully satisfied in any way,  just tell us within 60 days and we’ll send you a 100% full refund with no questions asked.

Normally to order our entire “Live Well and Free Anywhere” program would cost $299.

Right now you can get this program FREE.

Currently you can join The International Club with a 50% pandemic discount.  Save $598.23 because part of club membership is the $299 Self Publishing course FREE.

I want to help you gain the experiences that Merri and I have gained living,working, investing globally and loving every minute of it.    That’s why decades ago we created the International Club so we can share everything we learn and write about.

Club members start by receiving seven workshops and courses on how to earn everywhere with 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:

  • The course “Self Fulfilled – How to Write to Self Publish”
  • The course “Event-Full – How to Earn Conducting Seminars and Tours”
  • The course “International Business Made EZ”
  • 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 fee for this package is normally $299.

Club members also learn ways to be be healthier and have more energy.  

Ecuador Shamans

Here I am in the deep Amazon studying with a shaman.

I have created three natural health reports based on 50 years of study with healers around the world about:

#1: Nutrition

#2: Purification

#3: Exercise

Recent news about Social Security, pensions and health care shows that the US government has excessive debt today and that we as individuals need tactics to make sure, when governments, pensions and insurers weasel out of their promises, that we can take care of ourselves.

One big broken promise is Social Security and Medicare.  The most recent Social Security trustee report shows that the programs will begin to spend more than they earn within just three or four years.   The Medicare hospital-insurance trust fund, could use all its reserves by 2028.  They face insolvency over the next 20 years because Social Security runs totally out of money by 2034.

My three natural health reports help learn ways to be happier, healthier and avoid much of the Western disease management (aka healthcare) expense.

Each report is available for $19.95.  However you’ll receive all three FREE as club member and save $59.85.

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 numerous Model Portfolios, called Pifolio.

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

fibonacci

Learn how the Fibonacci Spiral impacts stock markets when the are 60% up or 30% down.

There are no secrets about this portfolio except that these mathematicians ignore 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).

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 $299 per annum but as a club member you receive Pi at no charge and save an additional $299.

There are two more reports I’ll send about the most exciting opportunities 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 an International Club member you’ll receive the report, “Three Currency Patterns For 50% Profits or More” FREE.

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

With investors watching global stock markets bounce up and down, many missed two really important profit generating events over the past two years.  The price of silver dipped below $14 an ounce as did shares of the iShares Silver ETF (SLV).   The second event is that the silver gold ratio hit 80 and has remained near this level, compared to a range of the 230s only two years ago.

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

I prepared a special report “Silver Dip” updated in late 2018.   The report explained the exact conditions you need to make leveraged silver & gold 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.  Now with the stock market crash this report is more valid than ever.

Save $598.23… when you become a club member.

Join the International Club and receive:

#1: The $299 “Live Well and Free Anywhere Program including our Self Publishing Course”.  Free.

#2: The $299 Purposeful investing Course (Pi).   Free.

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

#4: The $39.99 report “Silver Dip 2019”.  Free

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

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

#7: Plus updates and other report I release in the year ahead.

These reports, courses and programs would cost $767.73.

The International Club membership is $349 so the 2020 membership normally saves $418.78.

However due to the COVID-19 Pandemic we have cut membership in half and are currently accepting the discounted membership of $174.50 today.  You save $598.23 instead!

Then because this global recovery is going to take years, we’ll maintain your membership at just $99 a year rather than $349.  Your membership will be autorenewed in 2021 at $99, though you can cancel membership at any time.

Save $598.23.  Join the International Club for just $174.5o.   Receive all the above online now, plus all reports, course updates and Pi lessons through the rest of 2020 and into of 2021  at no additional fee.

Don’t miss this opportunity.  Sign up with this special offer.

Click here to become a member at the discounted rate of $174.50

Gary

 

(1) imaginationforpeople.org: Mayekawa where age is a resource not a handicap

(2) Japan’s economy and elderly women

(3) www.usatoday.com: Older workers driving job growth

(4) www.travelandleisure.com: Joseph Segal Canadian billionaire retire?

 

What Me “Crazy”?


Is it crazy for a boomer to start a pinnacle career?

Last week a reader sent me this note.

Gary, I am a fervent recipient of your daily messages. The first go to in the AM. I have done marketing for the past four years, including contacting customers and producing brochures.  I also sold advertising in the brochure.  I am interested in SNAP for my county.  BUT, I am 77 years of age.  Am I crazy to consider this?

My reply might help you, if you are asking any similar question about whether to start something new… or not.

I wrote:

Thanks for getting in touch.  I am delighted to know that you are tuning in every day.

In answer to your question….” Am I crazy”, here is a photo I took while hiking this weekend with two friends. We have been hiking for years.  Both amigos are well into their 70s and there is no reason for any of us to stop hiking now.

gary scott

My friend on the right (Bob Gandt) is 78 and just finished his best seller “Angels in the Sky”.

He does some other awesome stuff.  See about his comments on age and work at a message sent last year about mastery.

Be sure to click on the Youtube link www.youtube.com/watch?v=fJXJCrGLcS0

A New York Times article last week “Asked About Retiring, They Have a Simple Answer: Why?” (1) helps answer your question as well.

This article is worth a read as it tells the story of 1.5 million Americans over the age of 75, who are still in the paid work force, according to the Bureau of Labor Statistics.

Read about Judge Jack B. Weinstein still on the bench at age 96 who says “Retire? I’ve never thought of retiring. I’m a better judge, in some respects, than when I was younger. I don’t remember names. But I listen more. And I’m more compassionate. I see things from more angles. If you are doing interesting work, you want to continue.”

The work gives the judge a purpose to rise at 5 to exercise and commute at 7am to work each day.

Adolfo Calovini, 82, is a New York City high school teacher. He married late and has young children so the income is part of his motivation, but he says: “To me, teaching is about life. This is what I do. I can’t see a time when I wouldn’t.”

At 88, neuroscientist Eric R. Kandel who heads his own research laboratory says, “I like what I do,” he said. “Keeping engaged keeps you intellectually alive. I wouldn’t be surprised if it enhanced longevity. “If you are healthy and enjoy your work, continue. At the very least, it gives you additional income. Even if you don’t need it, the money can be for your kids and grandchildren.”

This seems to be a fact with Kandel. Many are surprised that he is 88.

Dr. Laura Popper, 71, a Manhattan pediatrician, says she works because her profession is a key to her identity.

“I wanted to be a doctor since I was 4 — why would I give that up?” she said. “If you’re a surgeon and you reach a certain age, you have to stop. With pediatricians, as long as you have your marbles, there’s no reason to.”

When her husband raises the subject of retirement, she tells him he would have to take her to a psychiatric hospital the next day.

She says, “There’s no part of me that wants to retire. If you have something you love, there’s nothing else.”

Here are three questions to ask that can help you decide if you should engage in a career past age 65.

#1: Look at the activity.  There is no list of specific jobs suited to pinnacle careers, but careers that use skill and brainpower are more likely to succeed than work that requires brawn and endurance.

#2: Look at who decides when to work.  Mandatory retirement rules can force a shut down of some jobs. Dr. Kandel heads his own research laboratory and is a Nobel Prize-winning neuroscientist, so no one is telling him, “it’s time to retire”.

Do not start something that someone else can shut down when you are just hitting your stride!

#3: Look at the possibility of having younger help.  Dr. Popper has been able to continue because she’s self-employed. She co-owns her medical practice, and owns her office space. She has the freedom to adjust her working conditions has slowed down. She sees about half as many patients as she previously did and lets the other co-owner, her partner, who is 25 years younger, take up the slack.

Merri and I are well into our 70s, but our third partner, our webmaster and son-in-law, is in his 50s and can do more as we choose to do less.

The mantra we have preached for decades at this site and before is “Turn your passion into profit”.

Ask yourself, “even if this does not generate great income in the first months,  Will I find this career fulfilling”?

Will this career make your life better?  Will it bring purpose and a reason to arise early and get going every day?

This is an era where the value of our experience is worth more than the cost of attaining it.

If you feel healthy, interested and incited, go for it.  I say incited rather than excited because it’s the quiet voice within, you should hear. Listen for the whisper from your soul telling you who you really are and what you can and really want to do.

That voice is the command to follow rather than the outside noise that bombards our inner selves and tries to lead us in directions dictated by uncaring and hidden agendas.

Regards,

Gary

Earn & Do Good

Live anywhere.  Earn everywhere. Make a difference.

Here’s an old idea that offers profits in a new and different way.   This is an idea that’s good for a community you choose as well as those involved… and it can generate $11,835 a month of profit… or maybe even more.

This report shares this new “old idea”, how to gain freedom, live where you chose, be an important part of your community, have an outstanding income and do some good.

Learn how to earn high income in your own back yard.   Choose where you want that back yard to be.

You can create a lifestyle that you previously could only dream.

Gain 7 powerful benefits when you choose to become involved:

Benefit #1: Freedom.   You set your own hours.  You work when you want to, not  when you are told.   Working at home eliminates a commute unless you count the 8 seconds it takes to walk from the bedroom to your office.   You can even work in your pajamas.  One magazine publisher who helped develop this program says that this is one of his favorite benefits.  You don’t have to ask permission to take time off to attend your children’s sporting events, concerts, plays or any other event.  You have greater control over your earnings and your destiny.  If you want to earn more, give yourself a raise by increasing your revenue.  When you work hard, you are working hard for your benefit and wealth not someone else’s.  Being able to fit your business to circumstances can sometimes be the most important benefit of all.  A small niche publisher had just started their magazine when their daughter was diagnosed with bone cancer.   During their daughter’s hospitalization they were able to be there 24/7… yet continue to build the business. That publisher told me… “This is one of the BEST reasons for owning this type of business, the freedom to work from the hospital room on your laptop and be there when your child needs you the most”.

In another case a small area publisher had started a magazine and was then diagnosed with cancer.  In her darkest hours she was able to continue publishing. See why below.

#2:  You become part of the solution, not part of the problem.  There is so much bad news now all about events we are powerless to change or stop. Helping build a better positive community is something we can actually do.   Small businesses are the lifeblood of our economy and having a successful small business helps develop strong community economics.

#3:  Prestige (Near Celebrity Status).  One writer who uses this system said: We get invited to everything because people want our magazine to review their events.  Additionally, we are very well known around town.  You have PRESS Credentials.  Some big venues (like NASCAR) require official credentials which you can get by calling the press office.  Other smaller venues you can create your own “PRESS” badge and it usually gets you “behind the scenes” access.  Not to mention, everyone wants to talk to the press so they can end up in the magazine.

One publisher wrote: Being part of the press also (usually) gets you free admission into most events.  Worst case scenario, you trade/barter an ad to gain admission.  We are going to an event today called the “Big Sip”.  Not only did we get free tickets, we got free VIP tickets which gets us into the show early and gives us access to things non-VIP ticket holders will not have access to.

#4:  Service  to the Community.   You can even be philanthropic.  One of the magazines using this system chose two non-profit organizations to support.  One of the things non-profits need is press coverage and advertising.   They give about $10,000 worth of advertising a year to their non-profits and various other groups to help them get the exposure they need.  The reader told us that he gets raves about how his magazine and the content they publish really shines a positive light on the community.  He wrote: We give a voice organizations that normally wouldn’t have one.  We raise awareness to programs being hosted by the myriad of organizations here in town that most people would normally never hear of.  

Save lives.  In one issue of a hyper local magazine, there was a story about a little boy who was struggling with a rare disease that caused life-threatening seizures.  One day, while his mom was out shopping, the little boy had a seizure so she rushed him to the hospital.  She called ahead and the nurse met her at the emergency room. 

As it happened, the nurse had read the article in the magazine (which someone had brought to the nurse’s lounge) and she recognized the little boy from the article. 

Since she knew immediately what was wrong with him, no time was wasted and he was treated quickly.  The magazine publishers were told that this particular seizure was especially bad and that the article probably saved his life.  

This type of special benefit may not happen everyday, but once in a lifetime is good enough.

#5:  You are in the know.  One publisher said: Because we are part of the press, we get a tremendous amount of Press Releases e-mailed to us on a daily basis.  We are usually the first to know about something new going on in town.  If we aren’t the first, we are always included.  And, as part of the research we do for articles, we tend to uncover information people don’t know or have forgotten about.   You can have big-picture perspective without going broke.

#6: You gain respect.  Publishers are the people who bring the information to the rest of the world in an information era.  They are the ones who affect change and because of this, have a tremendous amount of power.  For this reason, people like to say they “know the publisher” and will extend all sorts of courtesies to get to know the publisher.

#7: Tremendous tax benefits.  Many after tax expenditures become tax deductible business expenses. Sometimes you can eliminate federal and state tax altogether.

Why does small niche publishing offers such great potential.

Sam Buffet… or is it Warren Walton?  Hyper local publishing is based on three cherished beliefs that Sam Walton and Warren Buffet shared.

sam buffet

Forbes Magazine listed the 10 wealthiest Americans in an article entitled “The Faces Of Wealth in America”.  Both Buffet and the Walton family were there.

sam buffet

Imagine combining the wealth Walton created with that of Warren Buffet.  You get 150.1 billions dollars… far more than the wealth created by Bill Gates and any other three of the top ten combined… by just these two men.

Sam Buffet and Warren Walton!  What a combination.

So I ask, “Whose footsteps would you like to follow?”

Buffet and Walton shared several cherished business beliefs that you can gain from a special writing and publishing business that is at its very beginning stage.

Cherished Belief #1: Small is Beautiful.  Both Sam Walton (Bentonville, Arkansas) and Warren Buffet (Omaha, Nebraska) chose America’s heartland away from the big cities as their homes.  What’s more Walton chose to do business in these small places as well… building the largest retail operation in the world almost entirely in small towns.

Warren Buffet believes that potential in small towns offers special value.  He believes this so strongly that he has been buying newspapers in small towns.

Over the last few years Buffet’s company, Berkshire Hathaway purchased 63 small and mid-sized daily and weekly newspapers throughout the United States.

He plans to buy more and says: “I like buying individual papers at the right prices.” 

Buffet stated that Berkshire is not buying big newspapers or more newspaper shares.  He is sticking with small publications because he believes in the value of local communities.

Cherished Belief #2:  Community Orientation.

Buffet is not buying big publications but is grabbing up small community focused publications.

His bet is that publications focused on local communities can withstand the shift of readers and advertisers to the Internet.

The individual papers can be really small as 10,000 circulation with tiny staffs.

He said no one has stopped reading “half-way through a story that was about them or their neighbors.”

He also noted, “Berkshire buys for keeps. I’d rather buy newspapers myself directly,” and is seeking papers that publish in cities and towns with a “Sense of  Community.”

From this vision Wal Mart remains committed not just to expanding the business but to improving the communities.

You can enjoy all these benefits through hyper local publishing because small communities can be places, ideas or ideas within places.

For example Burnie Miller, one publisher who attended a Writer’s Camp that Merri and I conducted, founded Healthtrucker.com

There are many magazines about trucking and for truckers, but Healthtrucker.com is just about trucker health and wellness.  Burnie’s business shares his  adventures losing weight, driving truck, and staying healthy on the road.

The factor that makes publications like this successful are common interests.  Common interest can be focused on a geographical area or a niche idea that targets a niche of a larger market. For example the market for truckers is quite large, but trackers that look after their health is a much smaller niche.   One benefit of this type of publishing is it surrounds you with people who have a common interest, so your readers are like minded souls.

Cherished Belief #3:  Seek Good Value.

Sam Walton built one of the largest fortunes in the world… with the simple goals of providing great value and great customer service.  Warren Buffett’s belief is that the essence of value investing is buying stocks at less than their intrinsic value.   The discount is called the “Margin of Safety”.

Both Buffet and Walton shared a vision that small towns… ignored by the mainstream offered good value.  You tap into extra profit potential as a SNAP publisher who helps a small community.

Knowing BOTH successful niche magazine publishers and internet marketing geniuses is important for a reason that Buffet outlined to his publishers when he purchased their papers.  Buffet believes that small newspapers will change and that they serve an important purpose.  He said, “Papers must rethink the industry’s initial response to the Internet as focus on continuing to maintain a strong sense of community“.

His bet is that publications focused on local communities can withstand the shift of readers and advertisers to the Internet.  Buffet has said that giving news away free online is “unsustainable” and has sought papers that publish in cities and towns with a “sense of community.

The need for a sense of community is greater than ever before.   Community creates trust.  As the world has expanded on big is better,  the public has lost trust.  We no longer trust big business, big government, big hospitals, big banks, big publications etc.  Yet publications are of little value if they do not have the reader’s trust.   Internet publishing on the big scale has reduced trust.  Anyone can say anything on the internet and thus internet information is highly suspect.   Publishers who use a small niche to create trust have an advantage.

To begin this introduction let me add one more point and outline the value of what I am about to offer.  One model of publishing in the course shows how to make up to $11,835 a month… or more for a fully guaranteed investment of just $299.  That’s value… plain and simple.

I already knew the person I call the Warren Buffet of the internet… my webmaster, David Cross.

david-cross-image tags:"2012-4-21"

David has an unparalleled, hands-on marketing experience spanning 25 years in 22 countries for companies and charities large and small. He’s guided many companies and individuals to success in business and helped them achieve their marketing goals, both online and offline.   He started working with the internet from the getgo and Merri and I have been lucky that he helped start my website in the 1990s.

He was also Senior Internet Consultant to Agora Inc. in Baltimore, MD.  David worked closely with Agora’s publishers and marketers and over an 8-year period helped to propel Agora’s online revenues to over $300 Million.

So half of Buffet’s value equation was there.

Merri’s and my lives have been involved in the second half of this equation.

Merri’s first publishing career was as executive editor of Gulfshore Life.  Gulfshore Life magazine began in 1970 and not long after Merri became executive editor.  The niche was Southwest Florida’s Gulf Coast, from Fort Myers and Cape Coral down to Naples and Marco Island.  The magazine covered local personalities and pursuits, from arts and entertainment to fashion, real estate and earned many awards for writing, design and publishing excellence, including recognition as Best Overall Magazine two years in a row from the Florida Magazine Association.

While Merri was editor she was well paid for the exciting privilege of addressing the leading edge of important issues.

Merri attacked pollution in Naples Bay with an “Our Water Dilemma.” story in 1977, and was writing about computers before they became  mainstream. One of her stories was  “Don’t let the word ‘computer’ frighten you”.

She enjoyed putting together travel stories and was invited to many places including Haiti, St.Kitts and many other exotic Caribbean ventures and to the record-breaking opening tour of the “Treasures of  Tutankhamun”.  Her ventures through the years in Haiti working with the Mellon family with leprosy changed her life forever.  She had many experiences there and wrote articles and encouraged the lepers to utilize their artistic talents through weaving and painting.  Even today, when I ask her about that period of her life (onstage or off), she always breaks into tears remembering the suffering of those people.

Merri

Merri with the artist the late Robert Rauschenberg

She was able to meet many famous people like author John D. MacDonald, Robert Rauschenberg, and Lilly Pulitzer and many others.  She became acquainted with the best selling English authoress, P.D. James, who shared many of her writing secrets which became a major influence in Merri’s writing life.

These personal examples show that a small area publishing business can help you immerse your lifestyle with like minded souls and people who have common interest from all walks of life.

Of course, there is capital gain potential as well.

The major focus of this report looks at how to earn a good income, in some instances, niche magazines can create huge capital gains.  In the case of Gulfshore Life, when the cost of Naples real estate exploded into the stratosphere, this magazine sold to Curtco, publisher  of Robb Report and several other luxury niche magazines, for a strong eight figure price.  I have been told $23 million though I have not been able to confirm this price.

In another example, Felix Dennis made $250 million on selling a few small niche area magazines.

Felix Dennis, a niche magazine publisher of small niche magazines such as Kung Fu World,  ComputerShopper, PCWorld, Maxim and The Wee sold his US small niche magazines Blender, Maxim and Stuff for a reported $250 million dollars.

That was a really healthy capital gain.

He continued to publish small niche magazines and was publishing more than 50 magazines at his passing in 2013.  Profits in that year were more than $100 million. His estate was estimated at near $1 billion dollars.

Felix did not inherit this either.  His beginnings were modest.  His grandparents raised him in a house with no electricity or indoor bathroom.  He left school at 15 to work as a gravedigger, store-window dresser, sign painter and blues drummer before getting a job as at the small magazine Oz.

He built these humble origins into a fortune that provided him with a garage full of Rolls-Royces and Bentleys, a 16th-century thatched manor on his estate near Stratford-upon-Avon, a house in London, an apartment in Manhattan and houses in Connecticut and on the Caribbean island of Mustique.

What are the odds of getting this rich?

Dennis himself shares the fact that most niche publishers will not make a hundred million dollar capital gains.  He notes that the odds are only 25 chances in a million.  Not as bad as the lottery, but not that encouraging either.

Though it is unlikely that you’ll earn this type of capital gains with a small niche publishing business, I mention this fact because the possibility does exist.

Purpose, income and lifestyle opportunities are the main reasons to be a small niche publisher.  

Dennis for example felt that his passions were more important than the money.  He had a passion for forestry conservation and used his niches to plant a large native broadleaf forest, and found a registered charity The Heart of England Forest Ltd.   Not long before his passing, Dennis planted the millionth tree, an oak sapling, at a special ceremony.

He bequeathed a reported 80% of his fortune to ensure that the project will continue. Over a thousand acres have been planted and will will continue indefinitely with the aim of eventually providing between 10,000 and 20,000 acres, the largest private forest in England opened to the public with educational facilities for schools as well as provide green burial services to the local area.

A more typical example of small niche magazine publishing are Dave and Sherry Johnson who attended one of our Self Publishing courses.  I discovered that Dave and Sherry published a couple of magazines in North Carolina when they enrolled for the course… but what I did not know was the value of what they had developed in publishing small town community magazines.

Dave started as a media marketer and has sold most media including radio, cable television, direct mail, magazine, yellow pages, newspaper and Internet.

He enjoyed great success until times turn sour during the 2007 recession as they did for so many.  Being under the gun, Dave and Sherry lost everything so they moved to Asheboro, North Carolina and started their own magazine which has risen from success to success.

Time and Place

The old adage is to be in the right time and at the right place.  Imagine this timing… 2009 with the US facing a sluggish economy and risking a double dip recession.

The place?   Forbes magazine highlighted Asheboro, North Carolina in 2008 but not in a way you would think.

Forbes’s article was entitled “In Depth: America’s Fastest-Dying Towns” and said:  Asheboro is one of the few places in North Carolina where domestic migration rates fell between 2000 and 2007, from 10.5% to 1.9%. Poverty surged from 15.7% to 26.7% as incomes declined by 9.5%. The city, built on manufacturing and heavy industry for everything from batteries to tires, has yet to find a new niche.

There they were… Dave and Sherry… starting a magazine on a shoestring… (or  perhaps a little less)… in the fourth fastest dying town in the US.  Sherry put it this way…  “Failure was not an option.  We had to make a profit before we published our first edition”.   They did and the magazine rose from success to success.

asheboro

This is the issue they published on their 5th year anniversary of Asheboro Magazine (1).

The Johnson’s hyper local business created enormous freedom as well.

When they fell in love with Ecuador, their move there was supported by a new small area magazine when they created Cuenca Expat Life (2).

snap magazine

When I heard this story and read their magazine I let no moss gather beneath my feet and began testing ways to help subscribers publish their own hyper local publication… profitably… immediately… in just a month or two.

Part of this course shows how to create income with a Small Niche publication.

Here is how we can serve you.  Merri and I have had a long career in publishing.   As mentioned after Merri’s stint as executive editor of Gulfshore Life she then joined me in publishing our newsletters and later producing our daily ezine.  Later we helped a small niche regional magazine, Natural Awakenings, which was on the verge of bankruptcy, turn itself around and become a national publication.

Today Natural Awakenings claims to be growing as they have reached 90 markets in a thriving niche community of over 3.8 million responsive readers.   Each magazine is operated by an independent small niche magazine publisher.

We also worked with a SNAP magazine in Spain that had Latin American potential.

snap

This is an English language magazine in Spain that has South American expansion possibilities.

The owner stated that this magazine is earning around $250,000 a year.

The Sentinella (3) is an English magazine on the Costa del Sol, known as the ‘little mag that fits in your bag’.  It is aimed at expats who have moved abroad for a better life. The Sentinella has been established in Spain for more than seven and a half years. There are now five magazines operating along the Costa del Sol, Costa Tropical and the coast of Almeria.

We have combined all these experiences into a 31 step checklist that can help help you publish your own small niche magazine.

Your own small magazine allows you to put your desire to profit through writing to work.

As an small niche publisher you can publish niche publications dedicated to representing, encouraging and celebrating the community (whether it is a place or an idea) you serve by focusing on the lifestyles, talents, gifts and contributions of the people who are like minded souls.

Our course is designed to show you how to earn as much as $11,835 a month.

Merri and I see hyper local magazines as one of the most important services we have been able to bring to our readers… ever.  This service helps our readers write to sell… to enjoy working with like minded souls and to bring a positive influence to communities.

We tested the market and found that the principles of this type publishing are so powerful that it is possible to achieve success even in the most adverse circumstances.  Take for example the success story that Perla Crosby has achieved in Sanford Florida.

Benny and Perla Crosby used the course to start a magazine dedicated to Sanford Florida, a small charming town on Lake Monroe, the headwaters of the St. John River.    Perla’s magazine MySanford Magazine (4) magazine began with a great success but as it started to develop, disaster struck.

Here is what Benny Crosby wrote about how the course helped  during her hardest of times:

mysanford magazine

Benny & Perla Crosby from an issue of Mysandfordmagazine.

I might add that my wife Perla, even during some dark moments during two cancer surgeries was able to continue her focus on getting the latest issue of her magazine out on time.  Her advertisers have continued to increase and I am pleased to announce that the Chamber of Commerce, The Orlando Sanford Airport Authority and National Airlines are having an event on March 29th, 2016 in Sanford (wish you both could be here) to recognize Perla and the magazine and to announce that “My Sanford Magazine” has been adopted as the official seat back magazine for the airline.

It will be available on all National airlines flights out of Sanford to Puerto Rico and British Columbia.  I thought you might be proud to know that you both have contributed to Perla’s success and we wanted to share this exciting news with you.

mysanford magazine

Read MYSANFORDMAGAZINE below.

You can earn this type of income by building a hyper local publication focused on what you love.

Hyper local does not have to focus on a place.  It can zero in on a hobby, sport, profession or common interest.  What do you love?  Rare cars?  You can make a fortune publishing to sell in the genre you love.  Do you prefer fine art?   Or do you love beautiful jewelry, coins, gems, real estate, furs, model railways, dolls, scientific equipment, war memorabilia, old and rare books, or whatever?

Do you prefer social subjects rather than objects?  Are you concerned with the environmental problems, with crimes, war, poverty?  Would you like to help wipe them out?  Each of these offers opportunity in publishing.

Are you a golfer?  Do you love to travel?  Why not make the kinds of money I’ve just mentioned publishing reports about golf courses all over the world?

Would you like to help the world be a more spiritual place, help people get along better together?  You can do something good for the world, increase your income in the process and live wherever you please!   You can make a fortune by publishing information that sells products and services that are interesting to you.

You can publish about almost anything that interests you.

Take the small area magazine Rebel Riders… “because all of us have a little renegade in us”, a perfect example of how focused on a passion one can be.

snap mag

This magazine is about closely focused as a publication can get… not just for riders, but for rebel riders… in Central Florida.   Advertisers include three full pages from attorneys… “Been in an accident – Call us”.  There are many biking events and bike fests… meets and swaps advertised.  Dozens of bars and restaurants that cater to bikers have ads.  Several motorcycle dealers, sales, repairs and custom cycle shops.  American Legion Post 35 (“For God and Country”) has an ad.  There is a full page for Twisted Tea (“True Iced Tea taste”), a couple of insurance agencies, one financial planner and Theater X (“adult novelties and DVDs”).

Small area publishing can also help you travel, even have an international lifestyle so you can live anywhere and still earn everywhere.  This is especially valuable if you love to travel.  For example, one shrewd publisher realized that Panama was a great place to live and published information on Panama that sold Panama real estate seminars.

Other publishers reaped rich rewards selling information on their own country.  Merri and I, for example, lived in Europe for years, then fell in love with Ecuador for 15 years.  We earned by publishing our experiences there.

Now in our 70s, we live in Smalltown USA.  We love the peace and quiet, are closer to my mom, our children and grandchildren.  We still write (and publish) about what we love and are doing!   In each phase of our lives, the idea of tight focus has allowed us to move and live where we desired.

Imagine what this type of business means if you love to travel.  Part of every trip you take can be tax deductible!  You can honestly write off every trip that is related to your publishing business.  Every journey can become a research oriented adventure and a tax deductible event

Many benefits come in the form of reduced tax.  As a publisher, you’ll have one of the most respected and tax protected businesses in the country.  Other benefits come in the form of legal protection.  Publishers are protected by the U.S. constitution.  You do not need a license to publish.  There is no government watchdog nor do you have bureaucratic red tape involved in publishing.  The biggest benefits are the freedom, the independence to work wherever you choose in any field you desire.

The 2018 tax law means that you can create a publishing-to-sell business where you only pay tax on 80% of your income.

We created an entire system to help our readers have their own publish to sell business.  This system is unique because my wife, Merri, and I are unique.  We started our publishing business together.  Since we’re almost recluses, we decided to do the whole business by ourselves.  We began working at home.  Today, though we have tens of thousands of readers and have made millions, we still work at home and do not employ a single person.  When we switched to online publishing to sell, we added one business partner, our webmaster, who created and runs our website.  You’ll can learn how to do this in the course I am about to introduce.

May I introduce you to our course, “SELF-FULFILLED – How to Be a Publisher to Sell”.

The course teaches all you need to know on how to start and run your own publishing-to-sell business by yourself.   The first lessons in the course answers your questions and get you started!

This course can put you well on your way to publishing to sell and give you the freedom to live wherever you choose!  It covers numerous income producing secrets:

Secret #1:  How to gain 1,000% returns.  See why some of the wealthiest families in the world today come from publishing.  Learn how margins can be so incredible that few would believe them.  This online course contains many case studies.  Case Study #3 for example shows one publisher who sold an idea delivered on one photocopied page.  His cost was only three cents, his selling price $12.50!

Secret #2:  How to create and market your product or find products to sell.  Learn 11 steps in creating the perfect product.  Understand how to review ideas, test focus, aim at markets.  See why you don’t have to write anything if you don’t want to!  Learn where and how to get your data and get others to write for you almost FREE.

For example, the course shows how one friend, before the Internet, never wanted to write and decided instead to publish on cassette tape.  He later switched to webinars.  He started part time and built a career that brought in millions and brought him to know some of the most interesting people.  Now of course publishers who do not want to write can use the internet.

Learn how marketing is the key to successful publishing and how to turn pennies into dollars with good marketing focus.  Gain samples of winning marketing pieces.  Learn 21 frequently committed marketing blunders and what to do about each.

You’ll learn how to turn advertising dollars into a fortune.  How to create your own ads.  When to use classifieds, space ads, direct mail or word of mouth.  See how to build a PR list and get thousands of dollars in free publicity.  I share my most secret results on recent mailings so you will know why sometimes you sell more units of a publication at $49 instead of $29.  I show how one couple used ads about retirement to supplement their retirement income and get free trips all over the world.

Secret #3: When to print, how to print and when to go online only.  How to print and fulfill.  Learn how to cut your printing bill in half by asking for quotes differently.  Learn tricks of the trade, how to get the best quality at the lowest price, why to avoid the biggest printer in town and why to avoid the franchise printers.

Secret #4: How to compute and use the Internet.  With an inexpensive computer, you can easily run a business from home and still have tons of time left over-even if you are computer illiterate.  Merri and I have proven this!  The secrets in the course include a step-by-step approach on what to do.   Our partner, the internet expert includes what you need to know for online publishing.

The course contains information on how to use computers and the Internet for your publishing business.  For example you will learn how I have eliminated hundreds of thousands of dollars of printing and postage by switching all of my business onto the net.

We unlock all the secrets of publishing so you can have increased lasting income and reduced taxation.  This course is perfect for those with great computer skills and can help you learn how to focus these skills into a profitable publishing business.

See how when we reached retirement age, we slowed down our self publishing business but still earned $2,404725.98, tax free, over the next ten years.

However, the course also helps computer illiterates like myself and shows how to get your computer work done with no upfront cost.

I have created this course in an easy to understand style.  Everything is explained what to do in vivid detail.  We share all, how we have done it ourselves.  The course is full of publishing ideas and case studies.  You’ll learn about a pilot who published a book on the best airport cafes.  All his flying became tax deductible!

You’ll see how one couple who loved an island wrote a guide on the place and made enough to buy a home on the beach there.

Another made millions with one simple legal idea.

I give names, resources and addresses of contacts in marketing, printing, plus attorneys, accountants, Internet whiz kids who can give help.

This course is not theoretical.  It describes on a step-by-step basis, how Merri and I built a million dollar international business in just 7 years and how you can do the same.

The course is designed so you can get your own publishing-to-sell business going, full or part time right away.  I’ll explain how and why by sharing one other amazing experience that makes this special offer available for you now so you can have the course for pennies on the dollar.

I have previously exposed this idea only to my readers and never to the general public.  We conducted a course charging $2,000.  Here are raves from delegates who have used our course.

For example, one delegate, a publisher from California said:  “Your publishing course is outstanding! Just two hours of study on Sunday alone were worth more than the price.”

An engineer from Ohio wrote, “Basically, I learned how to be a publisher, especially the selling and marketing implications. The course is absolutely worth the cost!”

A retired railway worker from Michigan said, “Your course opened my eyes to the merits, profits, and prestige of becoming a publisher, particularly the idea of publishing in Canada for distribution in the U.S. (for total tax protection).” An employed couple from New York wrote, “We found the course interesting and informative. We were inspired to start work on a booklet. When we came down, we had no idea on what to publish.” And an attorney from Germany stated, “What I like most is that it is a nuts and bolts course-not pie in the sky.” While a business woman from Atlanta exclaimed, “It was great going through your steps, being 100% honest without fear of giving trade secrets since you have paid the price (to gain this knowledge).”

Merri and I have been overwhelmed by how much the course helped so we conducted another course and recorded it.  We then reproduced it in written form so it can be delivered entirely online at a huge reduction.  Though many readers have paid up to $2,000 for this course, you can start for only $299.

Here are some of the lessons you will learn in the online course:

Lesson #1:  A Day in the Life of a Publisher.  See how you can start with only a very small amount of money, work as little as four hours a day (if you are operating full time) even less if you start part time. Learn how two of my publishing friends, one an M.D.-the other a pilot ran their own money letters.  This gave them incredible tax protection, took them on many free, exotic trips, widened their perspective and field of friendships, helped them keep the money they were making in their fields and gave them a backup business that they loved for retirement.

Lesson #2:  How to Create Your Product.  Learn 11 steps in creating the perfect product.  Understand how to review ideas, test focus, aim at markets. See why you don’t have to write anything if you don’t want to!  Learn where and how to get your data and get others to write for you almost FREE.

Lesson #3:  How to Choose Your Format.  Some ideas are timeless and can be sold in a book for years on end.  Others are better in a magazine, newsletter or other periodic publication. Some products can just be lists, simple one page photocopied ideas or names and addresses. Understand when to print, record (on audio or video) and when to transfer through the Internet. Learn how to choose the format that suits you, full or part time.

Lesson #4:  How to Publish to Sell.  Learn how marketing is the key to successful publishing and how to turn pennies into dollars with good marketing focus.  Gain samples of winning marketing pieces.  Learn 21 frequently committed marketing mistakes and what to do about each. Know where and when to advertise (such as never near Easter-Christmas is OK).

You’ll learn how to turn a few advertising dollars into a fortune.  How to write or have ads written.  When to use classifieds, space ads, direct mail or word of mouth.  See how to build a PR list and get thousands of Dollars in free publicity.  Learn the tricks of the Internet to easily focus and capture a market there.

Lesson #5:  If You Print-How to Print?  Did you know that you can reduce your printing bill by half just asking for a job in the right way?  Learn all the tricks of the trade, how to get the best quality at the lowest price, why to avoid the biggest printer in town and why to avoid the franchise printers.  Learn how to choose the right graphics, correct paper, envelope, style, letter fonts.  When on demand printing is best.  Every Secret is included.

Lesson #6:  How to Fulfill.  This session is a practical guide on how to administer your business.  How to set up a computerized fulfilment system, get local families to do all your work for you and run your business (if you wish) from your home.  Learn how and why to use low and variable overheads, yet give one day turn-around delivery.  Learn when to choose delivery services, to fulfill yourself or build your own system…or when to simply fulfill via the Internet.

Lesson #7:  How to Finance.  Learn all you’ll need about the financial end, of the business, how to control physical or online inventory, keep overheads down, check ad results, get 30 day free credit and stay on top of your business.  Learn 11 hazards to avoid and tricks to stay profitable without a daily accountant.  The course and manual contain all these secrets and more.  The computer/internet workshop personalizes the knowledge so you can get started.

Who is This Course For?

This course is for those who would like their own publishing business for fun and profit but also helps business people, brokers and professionals, insurance agents and marketers who want to enhance their existing business or build a second source of income.

Publishing can be used to shift the cost of marketing into a profit center.  If you want your own full or part time publishing business, or want to build your existing business through publishing you should sign up for this course right now with a special pennies on the dollar offer.

This course is for individuals and couples.  You can order the course but your entire immediate family has permission to use it.  We include those who want their own business or who want to have a business together or a family business.  Business people or professionals who want to add an extra profit center to their business or who want to change their business entirely will benefit.  Those who want more control over their career should take this course.  Plus those who love travel and want to turn their trips into profitable tax deductions!

Only those who really want to publish for profit or to expand their business should sign up for this course.  We have created a proposition where you cannot lose, but the course is not for idle curiosity.  We are giving away every business secret we possess and expect those who use it to reap fortunes in extra income, tax savings or expanded business. We expect this knowledge will change your life for the better.  You’ll gain extra income, more fun, adventure, friends, freedom, independence and prestige too.

You receive a complete manual provided by me, Merri and our webmaster, David Cross (who teaches the internet aspects of publishing).

Due to the enormous savings of an online course, you save over $1,700 with a full money back if not satisfied guarantee.

Though many readers have paid up to $2,000 for this course, you can have the entire program including an entire course on creating small niche publications, for only $299.

You could not duplicate the computer and Internet knowledge for $2,000.  It covers what you need to get on the Net, how to use the Web to publish, how to define your Internet market, how to develop your site, target your market and start getting visits, the top ten Internet tips to use, the top ten traps to avoid, and many other lessons our Webmaster has used in his 20+ years on the net.  In many cases your tax savings will be five to ten times the cost of the system alone, plus you will learn how to gain thousands of FREEBEES and earn hundreds of thousands a year.

Our publishing business has brought us more wealth, satisfaction, fun and friendship than I imagined possible.  It has brought so much to my life, I would like to help everyone be in publishing and I hope you are one with whom I will have the pleasure sharing this exciting and profitable way of life!

Whether you are retired, an investor, chiropractor, doctor, dentist, professional or already own your own business, this offers another way to make money, to turn your passion into profit. We guarantee to share all we know to help you start and run your own publishing business.

Don’t miss this opportunity.  Sign up with this special $299 offer.   We’ll send the full original of the course “Self Fulfilled – How to Publish to Sell” and for just $299.

Here is what to do.  If you’re not sure whether you really want to have a publishing business, consider the ways that such a way of living can improve your life.

Then look at this no risk guaranteed offer.

Our Guarantee

If you are not fully satisfied, you can cancel the course any time in the first 60 days for a full refund  and there will be no additional fee.

We are so confident that you’ll gain from this offer that if you are not fully satisfied, simply email us any time during the first two months for a full refund. 

Order “Self Fulfilled – How to Publish to Sell” $299.  Click Here.      

Gary

Learn more about small area magazines.

(1) Asheboro Magazine

snap magazine

(2) Cuenca Expats Magazine

cuenca mag

(3)  The Sentinella Magazine

snap

(4) Perla Crosby publishes MySanford magazine

mysanford magazine

 

(1) www.nytimes.com: Asked about retiring they have a simple answer “why”?

 

Get the Wind Behind You


Success is easiest when the wind’s behind our back.  This means there is good news for boomers who are aware of changing winds with the idea of retirement at 65.

wsj.com

Here is some goods news for Boomers.  This chart from the Wall Street Journal article “Working at 85: The Idea of Retirement Is Dying in Japan” (1) shows that the US has the second largest proportion of people in the workforce who are aged over 65.  I’ll explain why this is good news in a moment.

First, let’s ask, “Why 65?”   The concept of retirement, as we know it, began with a political ploy in the late 1800s.  Chancellor Otto Von Bismarck of Germany announced that he would pay a pension to any nonworking German over age 65.   Sneaky politician that he was, he knew that hardly anyone lived to be 65 at the time.  Politics or not, this set the arbitrary world standard for the age when people retired.  The trick worked.

President Franklin D. Roosevelt learned from this and used this age when he pushed for the creation of the Social Security Act of 1935.  This idea of needing to quit being productive at age 65 grew and still worked because the the average life expectancy then was 61 years.

Now the wind is not behind the back of Social Security.  When the program was created in 1935 there was a ratio of approximately 37 workers for every 1 retiree. Today, the ratio is is less than 3 workers per 1 retiree.

Compounding the problem is the increase in the average life expectancy.  Even though the US life expectancy has fallen behind many other developed nations, the expected age of 61 has lengthened to almost 80 years.  Yet the idea of a retirement age remains at 65.

This compounds the problem.  There are more beneficiaries versus workers and these beneficiaries are receiving payments for much longer periods of time.  This is a demographic gale blowing against Social Security.

A big chunk of the world’s population arrange their entire lives based on a cheap political trick that the nation can no longer pull off.  There is a demographic gale blowing against Social Security.  The numbers no longer work. Fortunately they do not need to.

Here is the good news for Boomers.

The WSJ.com article “Working at 85: The Idea of Retirement Is Dying in Japan” shows how the changes in the winds of retirement are causing the  Japanese government, concerned about the costs of supporting an aging populace, to encourage companies to keep older people in the workforce longer and offering subsidies to some that employ workers over 65.

The article says (bolds are mine):  Companies typically figure they are dumping high-price workers who are past their prime. But some are realizing that can be shortsighted, especially in a sales business when the people walking out the door have client lists that took decades to build. Who better to target consumers in their senior years than other seniors?

Daiwa Securities Group Inc. used to set an age limit of 70 for veteran salespeople working under contract. It recently scrapped the limit.  “This will make it possible for us to have more consultants in the age range of 60 to 80, which is similar to the generation that holds the largest financial assets,” says the brokerage’s chief executive, Seiji Nakata.

The clue in this article about Japan that can help us in North America is the sentence highlighted in bold. “Who better to target consumers in their senior years than other seniors?”

With the rapid technological change taking place on earth, we live in an era where the value of our experience is worth more than the cost of getting it.  Previous generations were worn out when they reached 65.  Today, we can be in perfect health, active, alert and strong, ready to go.  Even if we are not physically strong, who cares?  Muscles are no longer a highly paid asset in any industry except sports.  Intelligence, experience, contacts, value, grit and willingness to work and get the job done are the qualities that receive premium payments now.

As Boomers, we are part of the second largest and wealthiest demographic group that has ever existed.  We are in the best position of all to succeed in this marketplace.  The wind is behind our back.

The fact that the US has the second largest proportion of people in the workforce who are aged over 65, means that Boomers still need help and this problem creates opportunity.

These facts give Boomers a chance to create a pinnacle career connected to their personal destiny.  This is such a benefit because when we are connected to our destiny… to some tiny, but important part we can add to humanity’s existence we gain fulfillment as well as financial stability.

Merri and I have learned this fact as we followed our destiny and shifted the focus our activity again and again to what we loved.  We actually retired in the traditional Western business sense 20+ years ago.  We sold our print publishing business, went to Ecuador, bought a hacienda and lived with a yatchak and his apprentices, to learn more about maintaining natural good health.  We had no business plans but started a small website because this is what we loved doing.  That website grew to be the largest about expat living in Ecuador.

Then our destiny led us to return to Smalltown USA in 2009 and the focus of our writing shifted again.  Now we have AIRBNB rentals  and grow trout.  Plus our website contains well over 6,000 posts that have been sent to tens of thousands of readers every day.  Most of our readers are Boomers, because who can understand the wants, needs and desires of a Boomer, better than a Boomer.  We are still serving and enjoying doing what we love.

A pinnacle career is a destiny career.  Follow the path that nature sends you.  Look for a wind behind your back.   Serve… doing something that is good for a community of like-minded souls that brings you a satisfying and financially rewarding non-retirement.

Follow those steps and I promise… you’ll feel bright and anxious to get going every day.  A Pinnacle Career is a better alternative to retirement at 65.

Gary

(1) www.wsj.com: A wrinkle in Japans retire at 60 rule workers who don’t quit

One Week’s Effort – Ten Year’s Pay

Over 30 years ago Merri and I locked ourselves in our basement every day, for ten days.  We wrote a report about financial secrets.

gary scott

The report sold well and generated an immediate and excellent income.  Now it’s long out of date.  I just have this one copy left, stored in my archives.

However those ten days of effort, three decades ago, started a chain of events that creates residual income for Merri and me to this very day.  Even better the ten days effort should continue to create income for us for many years more.

Learn how to use brief efforts that create extra income now and continue to pay you for years… even though you don’t do a thing after the first effort.   These lessons even show how to generate cash flow that lasts so long, your heirs will enjoy the income too.

Learn how to do a little work for a lot of income, that comes in, again and again.   See nine secrets below on how a small independent at-home-business can generate long tail income (money that comes in again and again) from one small effort.

Learn how to easily gain the most important things in life;  freedom, friendship, financial security, prestige, tax savings, legal protection, fun, adventure, self sufficiency, fulfillment and more satisfaction… with very small amounts of money and time.

Here are five of nine secrets, for creating long tail wealth:

Secret #1: The business must enjoy the multiple effect.  A product once created must produce profits again and again, almost on a never-ending basis.  Each venture in the business needs to make a huge return to start and then continue generating earnings year in and year out.

Secret #2: The business needs to be more than its owner.  It must produce income even when the owner doesn’t put in day-to-day effort.  You may already be wealthy or earning a high income.  You may not even need another business or extra income, but some day you might.  One surgeon explained it this way. “I am making a fortune because peoples’ lives are in my hands.  Once my hands are no longer steady, my income stops.  My entire financial well-being will then be in someone else’s hands!”

Secret #3: The money making system must have a purpose beyond money and be enjoyable and fun!  Sad but true, most of us make money for the sake of making money.  Many spend their lives working, just to have a few precious hours having fun.  The most important fact I learned about making and keeping wealth was that those who were richest absolutely loved what they were doing and felt they were doing something that was good!  Money was of secondary importance to their effort.  And as things are, this means they actually ended up making more!

Secret #4: The money making system must be flexible.  No matter what the economy brings, your ability to make money should work regardless of inflation, recession or even depression.  The business must have resilience-so if times turn tough, they can evolve and turn change into even more income.

Secret #5: The business must be able to start small, but grow large.  I learned that business ideas work best with small starts to begin and can be operated on either a full or part time basis.  Most businesses start with a learning curve.  During that time, it is essential they are small.  Once the lessons have been learned and the system is operating properly, then it can grow larger with higher income.

The way to make money in this way is by publishing to sell!   Almost anyone can make more than respectable income when they publish to sell.  Publishing to sell fits all five secrets above, even if you never write a thing.  We’ll look at the other four secrets in a moment.

Publishing is not writing!  Publishing is the business that makes money from writing.  You may have read or heard about the great wealth good writers can make.  Guess what?  Writers make that money from a royalty paid to them by a publisher.  The royalty is normally 15% of the book’s wholesale sales, after returns.  Guess who makes the other 85%?  Guess whose decisions make or break the fortunes of the writer?  The publisher!

Publishing to sell is a business where you get the 85% from publishing,  PLUS MORE… and have extra earnings that just keep keep rolling in, year after year.

Publishing is the business of producing, selling and delivering words.

“Publishing-to-Sell” is the business of producing, selling and delivering books that provide important valuable information, but also leads to the sale of other publications, services or products.

For example, Merri and I used publishing to sell in Ecuador.  We published a report about living in Ecuador.  This was an informative report that helped thousands of readers move there.  The report also outlined the benefits of our Ecuador real estate tours and Super Thinking Spanish courses.  That particular effort starting in 1995 created a million dollar business that still generates earnings to this day even though we have not been in Ecuador for many years.

Here are other examples.  One publisher who used the course, Joe Culbertson, D.C.  is a chiropractor.  Eating junk food creates numerous problems including difficulties in the spine so Dr. Joe created a simple use-at-home spinal device to help the spine.  He published a series of articles about the spine.  Those articles helped sell a three part book he published  Secrets of the Spine: The True Mind/Body Connection.  The book helped him sell his spinal device.

spine

From Dr. Joe’s website.

Another smart self publisher, Jamie Alexander, who used our self publishing course, has a cooking school.

Jamie started her professional baking career at age 20 when she apprenticed under the best-selling cookbook author, Nathalie Dupree.  When she was living in Paris, she studied at LaVarenne, the Cordon Bleu Cooking School and with the pastry chef of Maxim’s.  Her health problems created by high blood sugar levels caused her to have a passion about baking in a healthy way.  She began perfecting chocolate cake recipes that added nutritious ingredients and eliminated unhealthy ones such as sugar.

You have my word for it, these cakes are delicious and there is not an ounce of sugar or white flour! What a treat!

jamie alexander

Jamie Alexander’s recipes are for sale at Amazon.com and include “Carrot Cake Quinoa Brownies”, “Reid’s Gluten-Free Chocolate Quinoa Brownies”, “Pumpkin Cranberry Quinoa Cake” and “New Orleans Espresso-Infused Chocolate Quinoa Cake”.  See all five Jamie Alexander quinoa stevia recipes below. 

The sale of these recipes are really valuable and worthwhile, but they also help sell Jamie’s New Orleans cooking classes!

You can write what you publish to sell or publish what others write to sell.   Some writers, like myself write and also publish.  That’s because 85% of the income from printed publications normally goes to the publisher.

You can earn as a writer.  You can earn as a publisher.  You can publish, or write, or both!  You can also generate long term income from what your publication sells.

Publishing to sell can create outrageously high long term income for little work and you can do it from your home, in an RV or even while cruising or living on a boat or traveling.  It is possible to generate large amounts of extra income month after month, year after year.

Publishing to Sell has become better, much… much better.   Our early success above (the ten days of effort that still earns 30 years later) began when our publishing-to-sell business was in print.   When the Internet became popular and we created a website (in the 1990s), the cost of publishing risk went into a steep dive due to a new advertising medium called Pay Per Click (PPC).  Prior to PPC the biggest part of every publishing venture was paper, printing and postage.  If a publication was mailed, and not read, the paper, the printing and the postage still had to be paid for.  The cost of sending publications which were never opened, created a huge risk.

PPC means that a publisher today only pays from the delivery of a publication when it is opened.  This dramatically reduces upfront cost and risk.

Freedom is the most important benefit.

In the 1970s, I had what I thought was a good business but to be honest I could never get ahead.  I always seemed to be in debt.  The harder I worked, the deeper the hole my finances seemed to be in.  My financial situation robbed me of freedom.

Then I discovered publishing to sell.  Since then our publishing-to-sell business has brought in millions.  We gained all the physical possessions we desire, more houses than we could use (we rent them), two tropical beachfront homes and a Tuscan inspired villa in the mountains overlooking a roaring creek, a 250 acre farm and a 900 acre plantation in Ecuador, plus more than enough money in the bank.

Our income exceeds our expense.

We do not have one penny of debt and we have as much leisure as we choose.

We are free to work when we want and can decide when we want to slow down and relax.

We live where we like and most important, we arise from bed without an alarm, work without undue stress and have fun every day!

My wife, Merri, and I are our own bosses and do what we love.  We have learned that through publishing to sell, we can accomplish far more important goals, to gain self fulfillment and be of service to our community.  In short, we get paid helping make ourselves and the world a better place.

What do you love?  Rare cars?  You can make a fortune publishing to sell in the genre you love.  Do you prefer fine art?   Or do you love beautiful jewelry, coins, gems, real estate, furs, model railways, dolls, scientific equipment, war memorabilia, old and rare books, or whatever?

Do you prefer social subjects rather than objects?  Are you concerned with the environmental problems, with crimes, war, poverty?  Would you like to help wipe them out?  Each of these offers opportunity in publishing.

Are you a golfer?  Do you love to travel?  Why not make the kinds of money I’ve just mentioned publishing reports about golf courses all over the world?

Would you like to help the world be a more spiritual place, help people get along better together?  You can do something good for the world, increase your income in the process and live wherever you please!   You can make a fortune by publishing information that sells products and services that are interesting to you.

Publishing to sell can also be international so you can live anywhere and still earn everywhere.  This is especially valuable if you love to travel.  For example, one shrewd publisher realized that Panama was a great place to live so published information on Panama that sold Panama real estate seminars.

Other publishers reaped rich rewards selling information on their own country.  For example, there is currently a huge growth in domestic tourism.  Self publishers are in a position to do something about it… by selling U.S. knowledge everywhere!

Merri and I, for example, lived in Europe for years, then fell in love with Ecuador for 15 years.  We earned by publishing our experiences gained in each place.

Now in our 70s, we live in Smalltown USA. We love the peace and quiet, are closer to my mom, our children and grandchildren.  We still publish to sell!  In each phase of our lives, the publish-to-sell business allowed us to move and live where we desired.

Imagine what this type of business means if you love to travel.  Part of every trip you take can be tax deductible!  You can honestly write off every trip that is related to your publishing business.  Every journey can become a research oriented adventure and a tax deductible event

For example, you’ll see how when we reached retirement age, we slowed down our self publishing business but still earned $2,404725.98, tax free, over the next ten years.

Many benefits come in the form of reduced tax.  As a publisher, you’ll have one of the most respected and tax protected businesses in the country.  Other benefits come in the form of legal protection. Publishers are protected by the U.S. constitution.  You do not need a license to publish.  There is no government watchdog nor do you have bureaucratic red tape involved in publishing.  The biggest benefits are the freedom, the independence to work wherever you choose in any field you desire.

The 2018 tax law means that you can create a publishing-to-sell business where you only pay tax on 80% of your income.

We created an entire system to help our readers have their own publish to sell business.  This system is unique because my wife, Merri, and I are unique.  We started our publishing business together.  Since we’re almost recluses, we decided to do the whole business by ourselves.  We began working at home.  Today, though we have tens of thousands of readers and have made millions, we still work at home and do not employ a single person.  When we switched to online publishing to sell, we added one business partner, our webmaster, who created and runs our website.  You’ll can learn how to do this in the course I am about to introduce.

May I introduce you to our course, “SELF-FULFILLED – How to Be a Publisher to Sell”.

The course teaches all you need to know on how to start and run your own publishing-to-sell business by yourself.  The first lessons in the course answers your questions and get you started!

This course can put you well on your way to publishing to sell and give you the freedom to live wherever you choose!  It covers the five secrets I mentioned above and the four additional secrets below:

Secret #6:  How to gain 1,000% returns.  See why some of the wealthiest families in the world today come from publishing.  Learn how margins can be so incredible that few would believe them.  This online course contains many case studies.  Case Study #3 for example shows one publisher who sold an idea delivered on one photocopied page.  His cost was only three cents, his selling price $12.50!

Secret #7:  How to create and market your product or find products to sell.  Learn 11 steps in creating the perfect product.  Understand how to review ideas, test focus, aim at markets.  See why you don’t have to write anything if you don’t want to!  Learn where and how to get your data and get others to write for you almost FREE.

For example, the course shows how one friend, before the Internet, never wanted to write and decided instead to publish on cassette tape.  He later switched to webinars.  He started part time and built a career that brought in millions and brought him to know some of the most interesting people.  Now of course publishers who do not want to write can use the internet.

Learn how marketing is the key to successful publishing and how to turn pennies into dollars with good marketing focus.  Gain samples of winning marketing pieces.  Learn 21 frequently committed marketing blunders and what to do about each.

You’ll learn how to turn advertising dollars into a fortune.  How to create your own ads.  When to use classifieds, space ads, direct mail or word of mouth.  See how to build a PR list and get thousands of dollars in free publicity.  I share my most secret results on recent mailings so you will know why sometimes you sell more units of a publication at $49 instead of $29.  I show how one couple used ads about retirement to supplement their retirement income and get free trips all over the world.

Secret #8: When to print, how to print and when to go online only.  How to print and fulfill.  Learn how to cut your printing bill in half by asking for quotes differently.  Learn tricks of the trade, how to get the best quality at the lowest price, why to avoid the biggest printer in town and why to avoid the franchise printers.

Secret #9: How to compute and use the Internet.  With an inexpensive computer, you can easily run a business from home and still have tons of time left over-even if you are computer illiterate.  Merri and I have proven this!  The secrets in the course include a step-by-step approach on what to do.   Our partner, the internet expert includes what you need to know for online publishing.

The course contains information on how to use computers and the Internet for your publishing business.  For example you will learn how I have eliminated hundreds of thousands of dollars of printing and postage by switching all of my business onto the net.  We unlock all the secrets of publishing so you can have increased lasting income and reduced taxation.  This course is perfect for those with great computer skills and can help you learn how to focus these skills into a profitable publishing business.

However, the course also helps computer illiterates like myself and shows how to get your computer work done with no upfront cost.

I have created this course in an easy to understand style.  Everything is explained what to do in vivid detail.  We share all, how we have done it ourselves.  The course is full of publishing ideas and case studies.  You’ll learn about a pilot who published a book on the best airport cafes. All his flying became tax deductible!

You’ll see how one couple who loved an island wrote a guide on the place and made enough to buy a home on the beach there.

Another made millions with one simple legal idea.

I give names, resources and addresses of contacts in marketing, printing, plus attorneys, accountants, Internet whiz kids who can give help.

This course is not theoretical.  It describes on a step-by-step basis, how Merri and I built a million dollar international business in just 7 years and how you can do the same.

The course is designed so you can get your own publishing-to-sell business going, full or part time right away.  I’ll explain how and why by sharing one other amazing experience that makes this special offer available for you now so you can have the course for pennies on the dollar.

I have previously exposed this idea only to my readers and never to the general public.  We conducted a course charging $2,000.  Here are raves from delegates who have used our course.

For example, one delegate, a publisher from California said:  “Your publishing course is outstanding! Just two hours of study on Sunday alone were worth more than the price.”

An engineer from Ohio wrote, “Basically, I learned how to be a publisher, especially the selling and marketing implications. The course is absolutely worth the cost!”

A retired railway worker from Michigan said, “Your course opened my eyes to the merits, profits, and prestige of becoming a publisher, particularly the idea of publishing in Canada for distribution in the U.S. (for total tax protection).” An employed couple from New York wrote, “We found the course interesting and informative. We were inspired to start work on a booklet. When we came down, we had no idea on what to publish.” And an attorney from Germany stated, “What I like most is that it is a nuts and bolts course-not pie in the sky.” While a business woman from Atlanta exclaimed, “It was great going through your steps, being 100% honest without fear of giving trade secrets since you have paid the price (to gain this knowledge).”

Merri and I have been overwhelmed by how much the course helped so we conducted another course and recorded it.  We then reproduced it in written form so it can be delivered entirely online at a huge reduction.  Though many readers have paid up to $2,000 for this course, you can start for only $299.

Here are some of the lessons you will learn in the online course:

Lesson #1:  A Day in the Life of a Publisher.  See how you can start with only a very small amount of money, work as little as four hours a day (if you are operating full time) even less if you start part time. Learn how two of my publishing friends, one an M.D.-the other a pilot ran their own money letters.  This gave them incredible tax protection, took them on many free, exotic trips, widened their perspective and field of friendships, helped them keep the money they were making in their fields and gave them a backup business that they loved for retirement.

Lesson #2:  How to Create Your Product.  Learn 11 steps in creating the perfect product.  Understand how to review ideas, test focus, aim at markets. See why you don’t have to write anything if you don’t want to!  Learn where and how to get your data and get others to write for you almost FREE.

Lesson #3:  How to Choose Your Format.  Some ideas are timeless and can be sold in a book for years on end.  Others are better in a magazine, newsletter or other periodic publication. Some products can just be lists, simple one page photocopied ideas or names and addresses. Understand when to print, record (on audio or video) and when to transfer through the Internet. Learn how to choose the format that suits you, full or part time.

Lesson #4:  How to Publish to Sell.  Learn how marketing is the key to successful publishing and how to turn pennies into dollars with good marketing focus.  Gain samples of winning marketing pieces.  Learn 21 frequently committed marketing mistakes and what to do about each. Know where and when to advertise (such as never near Easter-Christmas is OK).

You’ll learn how to turn a few advertising dollars into a fortune.  How to write or have ads written.  When to use classifieds, space ads, direct mail or word of mouth.  See how to build a PR list and get thousands of Dollars in free publicity.  Learn the tricks of the Internet to easily focus and capture a market there.

Lesson #5:  If You Print-How to Print?  Did you know that you can reduce your printing bill by half just asking for a job in the right way?  Learn all the tricks of the trade, how to get the best quality at the lowest price, why to avoid the biggest printer in town and why to avoid the franchise printers.  Learn how to choose the right graphics, correct paper, envelope, style, letter fonts.  When on demand printing is best.  Every Secret is included.

Lesson #6:  How to Fulfill.  This session is a practical guide on how to administer your business.  How to set up a computerized fulfilment system, get local families to do all your work for you and run your business (if you wish) from your home.  Learn how and why to use low and variable overheads, yet give one day turn-around delivery.  Learn when to choose delivery services, to fulfill yourself or build your own system…or when to simply fulfill via the Internet.

Lesson #7:  How to Finance.  Learn all you’ll need about the financial end, of the business, how to control physical or online inventory, keep overheads down, check ad results, get 30 day free credit and stay on top of your business.  Learn 11 hazards to avoid and tricks to stay profitable without a daily accountant.  The course and manual contain all these secrets and more.  The computer/internet workshop personalizes the knowledge so you can get started.

Who is This Course For?

This course is for those who would like their own publishing business for fun and profit but also helps business people, brokers and professionals, insurance agents and marketers who want to enhance their existing business or build a second source of income.

Publishing can be used to shift the cost of marketing into a profit center.  If you want your own full or part time publishing business, or want to build your existing business through publishing you should sign up for this course right now with a special pennies on the dollar offer.

This course is for individuals and couples.  You can order the course but your entire immediate family has permission to use it.  We include those who want their own business or who want to have a business together or a family business.  Business people or professionals who want to add an extra profit center to their business or who want to change their business entirely will benefit.  Those who want more control over their career should take this course.  Plus those who love travel and want to turn their trips into profitable tax deductions!

Only those who really want to publish for profit or to expand their business should sign up for this course.  We have created a proposition where you cannot lose, but the course is not for idle curiosity.  We are giving away every business secret we possess and expect those who use it to reap fortunes in extra income, tax savings or expanded business. We expect this knowledge will change your life for the better.  You’ll gain extra income, more fun, adventure, friends, freedom, independence and prestige too.

Due to the enormous savings of an online course, you can start for only $299 with a full money back if not satisfied guarantee.

Merri and I have had a publish to sell business together for over 30 years and both of us were in publishing before we got together.  Merri’s publishing experience even outstrips mine and we spend a great deal of personal time continually updating the course as the publishing business evolves.  We have a successful publishing business with over 20,000 readers, so our updates are based on real time experience.

Are you interested in a publishing business?  It can be small and part time mainly to gain prestige, fun and tax benefits.  It can be full fledged and rake in thousands a day.  If so, this course is an absolute bargain.  You should sign up now!  Our goal and guarantee is that you will be able to run your own publishing business that publishes to sell.

Though many readers have paid up to $2,000 for this course, you can start for only $299.  You could not duplicate the computer and Internet knowledge for $2,000.  It covers what you need to get on the Net, how to use the Web to publish, how to define your Internet market, how to develop your site, target your market and start getting visits, the top ten Internet tips to use, the top ten traps to avoid, and many other lessons our Webmaster has used in his 20+ years on the net.  In many cases your tax savings will be five to ten times the cost of the system alone, plus you will learn how to gain thousands of FREEBEES and earn hundreds of thousands a year.

Our publish to sell business has brought us more wealth, satisfaction, fun and friendship than I imagined possible.  It has brought so much to my life, I would like to help everyone be in publishing and I hope you are one with whom I will have the pleasure sharing this exciting and profitable way of life!

Whether you are retired, an investor, chiropractor, doctor, dentist, professional or already own your own business, this offers another way to make money, to turn your passion into profit. We guarantee to share all we know to help you start and run your own publishing business.

Don’t miss this opportunity.  Sign up with this special offer.

Our Guarantee

If you are not fully satisfied, you can cancel the course any time in the first two months.

Why the Update Lessons?

What all professional publishers know is that the world of publishing changes continually and that the key to continual success is to test, test, test and keep the business evolving with the market place.   The course you receive is up to date, but it will fall out of date soon.  To keep you in touch with the latest trends, techniques and ideas, we add regular update lessons to your course.

We have over thirty years experience and are active in the publishing world every day.  We work with several of the largest internet publishers in the world and gain a continual flow of new experiences, ideas, tactics and strategies.  Your update lessons bring you the latest innovations that are being used in the publishing world right now.  This is a key to maintaining a continual flow of everlasting residual income from you publications.

We unlock all the secrets of publishing so you can have increased lasting income and reduced taxation.  This course is perfect for those with great computer skills and can help you learn how to focus these skills into a profitable publishing business.

We are so confident that you’ll gain from this offer that if you are not fully satisfied, simply email us any time during the first 60 days for a full refund. 

Order “Self Fulfilled – How to Publish to Sell” and a full year of update lessons $299.  Click Here.      

Gary

See Five Jamie Alexander healthy, delicious, quinoa-stevia recipes here

Jonesin’ Along


Every generation thinks differently.  Even subsections within generations have different mindsets and world views.  We profit from better understanding the wants, needs and desires of each generation. More importantly we profit most from knowing more about how we react and think.

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Generation chart at the www.careerplanner.com

We are individuals influenced by a common consciousness, that binds us to one group.  We call these groupings,  “Generations”.   Each generation has its own collective slogans, styles, norms, ideals, and experiences that have had a fundamental formative influence on our attitudes, thoughts, emotions that drive the way we act.

The most powerful influences are those that took place when we were aged 16 to 21.  This fact creates a human phenomenon called Cohort Synchronization.  This essentially says that we as age groups are affected for life by what happens to us at around this formative age of 18.

Generations run about 20 years.  Subsets in the generations are caused when economies have severe ups and downs.  For example, Jonsers (people born 1952-1956) think differently than Boomers, (born in 1946 through 1952).

Boomers were promised the world and we got it (I was born in 1946).  Jonsers were promised the world but came onto the job market during a recession caused by the oil crisis.  Thus Jonsers have always been more conservative, price conscious buyers than Boomers until they approach the age of 50 when they saw that life was passing them by.  They saw that they had better get going while they still could.

Cohort Synchronization works in many ways.  For example, when we hear music that was prevalent when we were in the 16 to 21 age range, we generally feel better, younger, more alive.  Music that was popular when we were about age 18 maintains high emotional impact.  Music that works for boomers may not for Jonsers, Generation X or Millennials.

Images differ as well.  Say the word Elvis, Boomers picture a young, trim man, Jonsers see him fat, sweating in a gold tracksuit.   GenXers imagine Elvis Costello (Costello’s big hots were late 1970s when the first GenXers were about 18 years of age).

Cohort Synchronization affects politics as well.  Barack Obama (born 1961) is a Jonser so his attitudes were different enough to have a different mindset when it comes to understanding the cohorts they represent.  Hillary Clinton and Donald Trump are Boomers.  This insight provides numerous possibilities about who might win an election.

Millennials are now the largest generation.  They surpassed Baby Boomers.  Those aged 18-34 number 75.4 million, surpassing the 74.9 million Baby Boomers (ages 51-69).  Generation Xers (ages 35-50 in 2015) are also rising versus Boomers and are projected to pass this group in about ten years.

generations

Chart from Pewresearch.org

This will be the Boomers last big fling at control.   This influence won’t be as strong as in the past.  Since commonly held values in each generation remain across the generation’s lifespan, the overall population’s aspirations today, political and otherwise, will shift due to the Millennial and GenXer population advantage.

The next President and Congress will need a different set of strategic insights for political effectiveness.  Business will have to shift to what it offers and how it provides service.  The nation’s thinking will evolve.

These changes can bring angst or profit.  Our logic, emotions and how we act and feel can improve if we look at the cohort values of all generations and reflect on how our own cohort feelings and thoughts mix with these changing tides of aspiration that move the world and our nation.

Gary

Live Better and Be Free – 5 Global Earning Experiences

Here are 5 global income experiences and 7 business secrets that can help you live well and free anywhere despite the pandemic.

I began my international business over 50 years ago and have been creating and running international micro businesses since.

During that time my wife, Merri, and I have been able to live, work and earn all over the world… literally anywhere we wanted because of seven secrets we gained which we share here with you.  We have been blessed with global earning experiences that helped us make millions… but were also fun, such as with British Lordships.

See how this one micro business helped us rub elbows with British Royalty.

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One of Merri’s businesses that worked with British Royalty was featured in Doonesbury.

Global Earning Experience #1:  Lepers.  Our micro businesses have been fulfilling.  Merri started her international business in her 20s (long before she knew me) importing Italian clocks to the USA.  This earned so much ($80,000 in the first year) that she created other micro businesses helping orphans in the Yucatan and Haitian lepers (at the Albert Schweitzer Hospital) produce crafts she sold for them in the USA.

Excellent income ($80,000 in the 1970s was a lot of cash)…  incredible contacts… working with Dr. Larimer and Gwen Mellon who created the Albert Schweitzer Hospital in Haiti… and enormous satisfaction.  Merri still cries over 40 years later when she tries to speak of the gratitude of the lepers and her time and life in Haiti.

Plus she gained lessons that allowed her to live and earn… in many places and many ways.

Then we got together.

Global Earning Experience #2:  Lords.  Another of Merri’s ideas (in the mid 1980s) was to broker British titles to wealthy Americans.  We made a ton from that… even gained 15 minutes of fame when Gary Trudeau learned about this business and immortalized it by having B.D. Zonker buy a title!

What fun… profitable, plus stimulating, meeting and working with the Blue Bloods of Britain… visiting their castles… invited to their events and affairs.

Before I get ahead of myself, may I ask you a question?

 

Would you enjoy living in two or even more places wherever and whenever you choose?  Would you be happier with more freedom, lack of debt, and a life of riches, adventure and fulfillment?  Would you be glad to feel confident that you can discover interesting and fun business ideas again and again that not only bring in extra income but also help the poor and improve the environment?

If so then read on… because… Merri and I have led that lifestyle for decades and can show you how to live it too.

The key is to earn from home offices.   They are part of a micro business secret and you’ll see why have two home offices (and using two cars in business) can save thousands in taxes.

You can also enjoy such a lifestyle because after years of search, I found business secrets that you can use and enjoy.

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Waterfall at our North Carolina Farm.  See enjoyable benefits of a micro business in water.

Global Earning Experience #3: Hospitality.  Here’s a hotel we owned and operated in Ecuador.  Once we sold this we joined the sharing economy and began offering rentals in our North Carolina cabins through AIRBNB and houses in Florida.  We became designated super hosts within months and added thousands of extra dollars to our income every month.

Caring is just one example of how to live anywhere and earn, especially now that the pandemic will change how people vacation.

gary-scott-international-business

Having a variety of places to live is part of one of the secrets on how to earn more, have a better life with more fun, adventure and greater freedom.

Global Earning Experience #4:  Import-Export.   Here I am at our Florida house showing clients how to import.

gary-scott-international-business

I was wearing a hand tailored, made to order, high quality wool suit from Ecuador that could be imported into the US for as little as $135 .  Plus that Panama hat was made in Ecuador.  This is odd but true, all genuine Panama hats are made in Ecuador.  We imported Ecuador roses year round as well, all from one of our tax deductible US home office.

Dozens-of-roses

The secrets we’ll share below are not about how to buy suits or flowers though.   The secrets show ways to make money (while helping others) marketing products and services wherever you are and much more…. globally.

Global Earning Experience #5:  Green Produce.   We have an orange grove and lake at our Florida home and

gary-scott-international-business

are among the first to test new organic ways to make citrus farming better for the environment and the consumer.  In North Carolina we cultivate Wild American Ginseng as well as aquafarm.

These are just a few of the business experiences that can help you have the freedom to earn globally.  They are shared in our emailed correspondence course that you can now have FREE.

The course teaches a system based on seven secrets so powerful that it creates money for you regardless of where you are:  in town, out of the country, traveling or even in places as remote as we live.

These secrets have worked for us in real estate… titles… tours… agriculture… clothing… hospitality… alternative health…  spirituality… printing… publishing and art businesses for Merri and me all over the world.

Merri and I have created a special program we call “Live Well and Free Anywhere” that makes it possible for you to enjoy extra income doing something you love.  You can gain full or part time and enjoy excellent profits as you have fun and do something good in the world.

My search stumbled on the fact that most millionaires make their money in business.  This discovery led to a study of rich businesses, ones that generate everlasting wealth.  Here are three of seven secrets we share in our program that we learned and have used in our  micro businesses:

Secret #1: They must enjoy the multiple effect.  A product once created must produce profits again and again, almost on a never-ending basis.  Each investment made needs to make huge returns.

Secret #2: They need to be greater than their owner’s time.  They must produce income even when the owner doesn’t put in day-to-day effort. You may already be wealthy or earning a high income.  You may not even need another business or extra income, but some day you might.  One surgeon explained it this way.  “I am making a fortune because peoples’ lives are in my hands.  Once my hands are no longer steady, my income stops.   My entire financial well being will then be in someone else’s hands!”

Secret #3: These money making systems should be enjoyable and fun.  Sadly most people make money for the sake of making money.  Many spend their lives working, just to have a few precious hours having fun.  The most important fact about making and keeping wealth is that those who were richest absolutely love what they were doing.  Money is of secondary importance to their effort.  And as things are, this means they actually ended up making more money.

These secrets created a fantastic way to make money with my own international micro business doing what I love!

You too can have everlasting wealth by turning your passion into profit.

You too can have the freedom to do what you love from any place you like, even operating (actually preferably) from your bedroom, dining room or den if you wish.

What do you love? Rare cars?  You can make a fortune creating a business around them.  Do you prefer fine art? Or do you love beautiful jewelry, coins, gems, real estate, furs, model railways, dolls, scientific equipment, war memorabilia, old and rare books, or whatever?  Do you prefer social subjects rather than objects?

Are you concerned with the environment or humanitarian problems, with crimes, war or poverty?  Would you like to help wipe these social problems out in the course of your business?

Are you a golfer? Do you love to travel? Why not make all kinds of money in a global business related to golf?

Would you like to help the world be a more spiritual place, help people get along better together?  You can do something good for the world, increase your income and live wherever you please in the process!

Whatever your passion you can learn how to earn by creating a micro business based on it.

Take fishing, for example.

I am no great aquafarmer, but the numbers and lifestyle work on a small scale.  We pay about $3.50 a pound to stock the fish, they double, triple, even quadruple in size and we sell them at a local butcher shoppe for a modest profit.   This is not a big deal, but does generate income, helps attract guests to stay in our rental cabins, puts some great trout dinners on our table and is a thoroughly enjoyable part of my daily labor.  I need this to counter balance sitting in front of a computer.

Over a couple of months the fish grow… a lot.

gary scott

Millions of people love fishing but don’t have a pond.  This does not mean they cannot be involved in fishing.  Here are just a few of many ways that others have profitably matched this passion with profit.

Two of my friends, John and Lou, grew up near me in the Oregon mountains.  They were outdoor adventure types and moved to Canada, where they homesteaded 1,200 acres on a trout-filled lake in mid British Columbia.  They built a fishing camp that attracts fisherman from around the world.

Duncan Kinderman on the other hand loved fishing and castles.  He bought a castle on the River Tay, a great Scottish salmon river, and offered time shares for fisherman from Britain, Europe and the US.

Another entrepreneur I know was from Montana.  His skills were in marketing so he sold fishing trips for fishing camps.  He attended rod and gun exhibitions, met owners of these camps and arranged to sell their fishing trips to the US, Argentina and even in Russia to fisherman around the world.

Ralph Kylloe on the other hand loved fishing and photography so he created the book, “Fishing Camps”, which was published by Gibbs Smith publisher. This allowed Ralph to travel across the country enjoying fishing camps as he photographed and wrote.

Steve Ambrose, another friend of ours, had family commitments at home so he set up a bass fishing business in Florida that served Americans, Germans, Canadian, Dutch and Belgians.  Later as his children grew, he used his client base to arrange fishing trips in Argentina.

Each of these people had provincial backgrounds and differed in age, situation and skills.  Their common link, the love of fishing, led each to a global micro business.  Each was able to blend a unique nature and set of skills to develop a global business that surrounded them with fun, like minded fishing souls.

There is such an abundance of opportunity that Merri and I have created this program to help you have your own micro business that can be managed almost anywhere.  This program is unique because Merri and I are unique.  We started our global business together.  Since we’re almost recluses, we decided to do the whole business by ourselves… thus we create micro businesses that do not require large staffs.

We began working at home.  Today, though we have tens of thousands of buyers and have made millions, we still work at home on our remote farms and employ only a few people to help.

You’ll learn how to turn advertising dollars into a fortune.  You’ll learn how to create your own ads and when to use the internet… search engines… pay per click… classifieds, space ads, direct mail or word of mouth… even flea markets and roadside stands in some cases.

See how to build a PR list and social business network on the World Wide Web to gain thousands of dollars in free publicity.  I even share my most secret results on my marketing so you will know why sometimes you sell more units of a product at $49 instead of $29.

Learn how one couple used ads about retirement to supplement their retirement income and received free trips all over the world.

Learn how we have made money over the Internet (specific details, specific experiences, hard earned knowledge over the last 13 years!)  With an inexpensive computer you can easily run a business from home and still have tons of time left over – even if you are computer challenged.  Merri and I have certainly proven this.  We were one of the first to run a successful website and still rank high today even with millions of competitors.  The secrets in the course include a step-by-step approach.

Merri and I with our webmaster, David Cross, were leaders in beginning internet micros businesses and have sold millions over the web.  You gain ways to earn global income over the net from that experience as well.

Business people or professionals who want to add an extra profit center to their business or who want to change their business entirely will benefit.  Those who want more control over their career can profit.  Plus those who love global travel and want to turn their trips into profitable tax deductions!

Even older entrepreneurs are taking advantage of technology.  One of our friends and clients, Mickey E., was a 72 year old real estate broker, when she began a small global business.  With just a computer and internet, she created publications that attracted English real estate buyers.  This allowed her to become a top sales person in the biggest real estate firm (selling over a billion dollars of real estate a year) in town.  She later used the tactics she learned to move to Ecuador (in here late 70s) and start a micro business there.

This course is also for couples who want their own business or who want to have a business together or a family business.

This is the perfect course for those who can no longer find employment, who are looking for ways to earn abroad and who wish to retire and supplement their income.

Whether you are retired, an investor, chiropractor, doctor, dentist, professional or already own your own business, this offers another way to make money, to turn your passion into profit. We guarantee that we have shared all we know to help you start and run your own international business.  Enjoy and live a life of following your Passion to Profit… through an International Business.

The course is so complete Merri and I extend our “no fooling around-complete satisfaction guarantee”.

If you are not fully satisfied in any way,  just tell us within 60 days and we’ll send you a 100% full refund with no questions asked.

Normally to order our entire “Live Well and Free Anywhere” program would cost $299.

Right now you can get this program FREE.

Currently you can join The International Club with a 50% pandemic discount.  Save $598.23 because part of club membership is the $299 Self Publishing course FREE.

I want to help you gain the experiences that Merri and I have gained living,working, investing globally and loving every minute of it.    That’s why decades ago we created the International Club so we can share everything we learn and write about.

Club members start by receiving seven workshops and courses on how to earn everywhere with 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:

  • The course “Self Fulfilled – How to Write to Self Publish”
  • The course “Event-Full – How to Earn Conducting Seminars and Tours”
  • The course “International Business Made EZ”
  • 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 fee for this package is normally $299.

Club members also learn ways to be be healthier and have more energy.  

Ecuador Shamans

Here I am in the deep Amazon studying with a shaman.

I have created three natural health reports based on 50 years of study with healers around the world about:

#1: Nutrition

#2: Purification

#3: Exercise

Recent news about Social Security, pensions and health care shows that the US government has excessive debt today and that we as individuals need tactics to make sure, when governments, pensions and insurers weasel out of their promises, that we can take care of ourselves.

One big broken promise is Social Security and Medicare.  The most recent Social Security trustee report shows that the programs will begin to spend more than they earn within just three or four years.   The Medicare hospital-insurance trust fund, could use all its reserves by 2028.  They face insolvency over the next 20 years because Social Security runs totally out of money by 2034.

My three natural health reports help learn ways to be happier, healthier and avoid much of the Western disease management (aka healthcare) expense.

Each report is available for $19.95.  However you’ll receive all three FREE as club member and save $59.85.

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 numerous Model Portfolios, called Pifolio.

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

fibonacci

Learn how the Fibonacci Spiral impacts stock markets when the are 60% up or 30% down.

There are no secrets about this portfolio except that these mathematicians ignore 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).

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 $299 per annum but as a club member you receive Pi at no charge and save an additional $299.

There are two more reports I’ll send about the most exciting opportunities 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 an International Club member you’ll receive the report, “Three Currency Patterns For 50% Profits or More” FREE.

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

With investors watching global stock markets bounce up and down, many missed two really important profit generating events over the past two years.  The price of silver dipped below $14 an ounce as did shares of the iShares Silver ETF (SLV).   The second event is that the silver gold ratio hit 80 and has remained near this level, compared to a range of the 230s only two years ago.

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

I prepared a special report “Silver Dip” updated in late 2018.   The report explained the exact conditions you need to make leveraged silver & gold 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.  Now with the stock market crash this report is more valid than ever.

Save $598.23… when you become a club member.

Join the International Club and receive:

#1: The $299 “Live Well and Free Anywhere Program including our Self Publishing Course”.  Free.

#2: The $299 Purposeful investing Course (Pi).   Free.

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

#4: The $39.99 report “Silver Dip 2019”.  Free

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

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

#7: Plus updates and other report I release in the year ahead.

These reports, courses and programs would cost $767.73.

The International Club membership is $349 so the 2020 membership normally saves $418.78.

However due to the COVID-19 Pandemic we have cut membership in half and are currently accepting the discounted membership of $174.50 today.  You save $598.23 instead!

Then because this global recovery is going to take years, we’ll maintain your membership at just $99 a year rather than $349.  Your membership will be autorenewed in 2021 at $99, though you can cancel membership at any time.

Save $598.23.  Join the International Club for just $174.5o.   Receive all the above online now, plus all reports, course updates and Pi lessons through the rest of 2020 and into of 2021  at no additional fee.

Don’t miss this opportunity.  Sign up with this special offer.

Click here to become a member at the discounted rate of $174.50

Gary