Tag Archive | "demographics"

Be Prepared for Pension Risk


Prepare to embrace change in pensions.

I have been warning readers about an especially severe 30 year cycle shift (and how to profit instead of lose), since  January 28, 2015.  The forces have been building and history suggests that around this time, (there are always a few years of leeway) there will be an economic and stock market correction.

Screen Shot 2016-03-18 at 8.03.29 AM

Chart from unclassified OECD report on pensions. (1)

The correction will start when some trigger kicks off a wave of panic.  We never know what the trigger will be and it usually doesn’t even matter. The trigger is just a trigger that starts corrections of distortions that have been building for three decades.

When this next distortion breaks loose, which it will, the infrastructure we take for granted will change in ways we never thought possible.  This is not bad.

One likely trigger will be changes  in pensions.

According to the Financial Times, last year,  Angel Gurría, the OECD’s secretary-general, said: “Pension funds and life insurers are feeling the pressure to chase yield . . . and to pursue higher-risk investment strategies that could ultimately undermine their solvency.  Low interest rates have also caused problems for such funds because bond yields are used to calculate the value of their liabilities. When yields fall, the estimated value of their future liabilities increases. (2)

Detroit’s 2013 bankruptcy reminded investors that government’s local, state, national and international owe billions more than anyone knows, trillions actually.

This is a global problem as recent research by Citigroup found that governments across the developed world have promised much more than they can to current and future retirees.

This threatens the value of government bonds and the entire global economy.

Twenty countries of the OECD (the Organization for Economic Cooperation and Development is an international economic organization of 34 countries, founded to stimulate economic progress and world trade, democracy and market economies) have promised their retirees a total $78 trillion.  Much of this promise is unfunded.

That is almost double the $44 trillion total national debt of those 20 countries. These pension  obligations do not show up as obligations on government balance sheets.

The total global government debt may be three times larger than revealed. Numerous countries have promised more than they can deliver.  The real figures remain obscured because governments fear a decline in their credit rating which will increase the gap.

Many economists believe this will lead to a total collapse in society.

More likely than a sudden head-on collisions between bondholders and pensioners, there will be trading down.   National governments, states, provinces, counties, cities, school districts and other organizations cut services, raise taxes and pay pensions that have less purchasing power.

A New York Times article outlines how Citigroup used demographics to calculate the global buildup of overwhelming invisible pension obligations. (3)

There was a golden era after World War II.  A growth spurt promised the world to a young and growing population. This aging population is now stressing pension systems that have limited or no funding.

Aging populations mean that retirement systems no longer work.  There are not enough younger workers to support the retired.

This a global dilemma.  China now has seven workers to support every retiree. This number will fall to two workers per retiree over the next 30 years or so.  Japan will have even less, around one worker per retiree.

Some other seasoned investment publishers (whom I have worked with for over 30 years) tout the idea that all of our systems will be tightly controlled or closed: our bank accounts, credit cards, wire transfers, ATMs, even the internet could shut down.

These publishers say that stock markets will crash wildly out of control. They suggest that Social Security checks will be at risk. Gas stations will be shut but there won’t be much reason to drive anyway.  Everything we use on a daily basis will be hit.  A food supply shutdown will create shortages and closings of super markets and restaurants.

They also know that fear sells subscriptions.

However, I believe that the correction will be softer.  We’ll see many suffer a growing inequality of purchasing power instead of a complete and sudden shutdown.

There will still be money, still be gas (or some better form of energy), still be banks, still be food in the stores.  The quality could be lower and many won’t be able to buy as much.

On the other hand those who embrace the change will see much greater wealth and a happier richer healthier lifestyle.

This gradual loss of purchasing power means we still have time if we act, now.

There are some events we cannot predict or prepare for. Who saw the internet coming for example?  There is always something we don’t know so we often think in faulty ways by adding up everything that could go wrong without adding in the new technologies that can change everything.

This gives us a backwards looking view and leaves us unprepared to cash in on the next new thing.

I choose to spend my time making myself better and investing in value rather than worrying about a future that definitely will be different than imagined.

Gary

Join Merri, David and me over the next year to create a plan that benefits from change.

(1)  http://www.oecd.org unclassified official documents

(2) www.ft.co OECD Pensions

(3) www.nytimes.com 2016 study-finds-public-pension-promises-exceed-ability-to-pay

Make Safe More Profitable With the Silver Dip

May 2017 will be my 51st anniversary of being in the investment & finance business.  This is the 49th year since I started talking about international investing, (I started a Hong Kong mutual fund business in May 1968).

Since that time, my investing goals have been based around spotting contrasts and trends.

One current trend is that the valuations of US shares are dramatically overpriced  in every fundamental way.   The Morgan Stanley MSCI Index USA currently sells for 2.81 times book value, compared to the MSCI Europe Index that sells for 1.68 times book value.   The US PE Ratio is 21.2 versus 18.2 in Europe and the average US dividend yield is 2.15% versus 3.69% in Europe.  Shares in Europe on average are a far a better value.

When you use a long time dimension and diversify correctly, investing in value such as this has always created the highest profits and greatest safety.

I use this strategy because using a value strategy also takes the least work and has the lowest stress!

Then I look for ways to add spice and extra profit short term distortions.

For example in 2015 I spotted two distortions.  They were contrasts that  had reaped huge rewards for me and many of my readers 30 years ago.  I quickly issued two reports, one for each trend.  After a  year one of the distortions has already returned 210.58% in the last year.

A new contrast has even more potential in 2017.

One of the reports released, “Silver Dip 2015” looked at potential profits in silver because when the US stock market falls, the price of gold and silver rise.  I have been a gold bug for almost 50 years and spotted this fact long ago.

The “Silver Dip 2016” report reviewed a way to profit from silver and gold because of a mathematical, historical fact.  When the silver/gold ratio rises over 80, silver is more likely to rise than gold.  That ratio is even higher now than it was in 2015 so silver may not create the extraordinary profits this year.

The “Silver Dip 2017” offers a new ideal speculation.

The second distortion, explained below, has greater long term potential and all but guarantees short term profits in gold, silver and the currenct hot speculation.

There is no question that a long term correction is coming.  Only the full timing can be in doubt.  The question we must ask is, “Could the big break come in 2017 and could it break upon us right now?”  The answer is “Yes”.  When the bubble bursts, it can cause the perfect economic storm that makes a few investors, who are ready, rich.

I have been warning readers about this stock market correction (and how to profit instead of lose), since  January 28, 2015.

Zero interest is the sucker punch that can devastate millions of investors.  This is a Ponzi scheme where governments rob money from the future and spend it badly in the here and now.  Each downward economic wave of the last 30 years has created a larger mountain of debt that brings the world closer to an economy where there is no more future money to steal.  The only way governments can afford to borrow more is to take it for nothing.  That’s zero interest.  In worst case scenarios, governments can charge you to borrow your own money.  In Europe some bonds now have negative interest.

shouldn’t pay us anything.  Even worse they could charge a negative interest rate on our bank accounts and lock our money into the system.  The alternative is to invest in a risky, over priced stock market and morbidly weak currency.

Over priced stocks and an over priced US dollar are the third sucker punch!

To date we have been able at least to choose where and in what currencies we invest.  This is where we encounter the one-two-three punch.  The zero or negative interest rate destroys the purchasing power of our savings.  Capital controls lock us into a weak currency or market so we cannot take profits or protect our purchasing power from this inflation and currency loss.

Our savings, pensions and wealth can be floored by a combination of a falling stock market, crashing US dollar and inflation.

The purchasing power of the US dollar will fall.   Trading down is working in many ways.  Even if  pensions can pay what they have promised, the money in dollars won’t buy as much.  Coffee isn’t free with meals.  Many ordinary foods (tomatoes, peppers, almonds and walnuts as an example) and yes, maple syrup become luxuries.

Social Security won’t be as useful either, if it is paid at all.  Could Social Security really default?  The answer is “Yes, it could”.  An October 8, 2013 Reuters article at finance.yahoo said:  “President Barack Obama warned last week that Social Security benefits might not go out ‘on time’ if Congress does not raise the debt ceiling.  Should seniors and disabled Americans really be worried about their benefits if the U.S. government runs out of borrowing capacity later this month?  The answer is YES.”

I can make these predictions based on 30 year trends because I have been writing and teaching global investing for almost 50 years.  Long term experience helps me spot distortions and cycles that have been building for even as long as 30 years.   This experience has helped me steer my readers in the right direction again and again.

I invite you to join me and a small selective group who for the next year will participate in an intensive program called the Purposeful investing Course (Pi). The purpose of Pi is finding value to protect our savings, pensions, income and wealth from these two devastating economic conditions.

I’ve been watching this 30 year distortion take shape and believe that 2017 could very well be the year of a huge shift.

Slow, Worry Free, Good Value Investing

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

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

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

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

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return

#7:  Market history

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

This is a complete and continual study of what to do about the movement of international major and emerging stock markets.  I want to share this study throughout 2017 into 2018 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.

A country ETF provides diversification and cost efficiency by spreading one simple, even small investment into a basket of equities in a good value stock market.  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.

For example, 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!   There are currently ten good value (non US) developed markets,  plus 10 good value emerging markets.

Pi shows how to easily create a diversified, worry free portfolio in some of these good value markets using Country Index ETFs.

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

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago.  The trends are so clear that I 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 you’ll 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 2017” free.

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

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

I updated the special report now “Silver Dip 2017” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share my 30 years of experience speculating and investing in gold and silver.

The low price of one commodity offers special value now so I want to send you this report because the “Silver Dip 2017” reveals how to gain enormous profit potential in the year ahead.

Save $428.95 If You Act Now

Subscribe to the first year of the Personal investing Course (Pi).  The annual fee is $299, but to introduce you to this online course that is based on real time investing, I am knocking $102 off the subscription.  Plus you receive FREE the $29.95 report “Three Currency Patterns For 50% Profits or More”, the $27  report “Silver Dip 2015” and our latest $297 online Value Investing Seminar for a total savings of $428.95.

Triple Guarantee

Enroll in Pi.  Get the first monthly issue of Pi and the report “Three Currency Patterns For 50% Profits or More” and the online 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 purposeful 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:  I guarantee you can keep “Three Currency Patterns for 50% Profits or More” and “Silver Dip 2015” plus the 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 a Pi annual subscription for $197 and receive all the above.

Gary

 

 

Embrace Change


There is little we can do about the circumstances that surround us.  However there is everything we can do about how we react. 

Learn three steps that can help our investments profit from change.

Six of the ten good value developed markets in the main portfolio we track in our Purposeful investment Course (Pi) are in Europe.  The chart below shows why.  The developed market top value portfolio is priced less than half the cost (in terms of price to book value) of the MSCI Index and 37% less than the World Index.  No matter how one looks at it, Price to Book, Price Earnings or Dividend Yield,  the good value European markets offer exceptional value.

keppler asset chart

Chart from Keppler Asset Management October 2015 Developed Market Analysis.

One reader replied to this suggestion with this note:  With this Islamic invasion I don’t think Europe will ever be the same and if this keeps up in ten years you won’t recognize it. This is bad stuff and I find it hard to believe the euro will strengthen against this backdrop.

The Golden Rule of Investing #1 is “There is always something we do not know“.  This is why using mathematics to determine value is so important.   The reader above is correct.  The Syrian invasion means Europe will never be the same.  That we know.

What we do not know is how much good versus bad the change will bring.  Much of the change could be good!

What we do know is that the European Union is one of the largest economies in the world.  Some argue it is the largest.

Business Insider

This chart from Business Insider website (1) shows the EU as being the largest economy in the world. Click on chart to enlarge.

A  New York Times article “European Union officials put a positive economic spin on the bloc’s refugee crisis” (2) says:  In a forecast, officials predicted that the three million migrants expected over the next three years would provide at least a small lift — a net gain of perhaps a quarter of 1 percent to the European economy by 2017.

Aging is a bigger problem in Europe than in the USA.

The Pew Research Center website says at an article “Aging in the US and other countries” (3):  Although the population in the U.S. is getting older and growing more slowly than in the past, the demographic future for the U.S. is robust in comparison with other countries.  In particular, the U.S. population is projected to grow faster and age slower than the populations of its major economic partners in Europe and Asia.  These demographic trends may enhance future opportunities for the U.S. in the global economy.  

Pew research

This chart from that Pew research site shows how some European countries would have stagnant and even negative (Germany) population growth in the next 35 years.  A wave of young energetic immigrants will bring change indeed and much of that change will be good.  How will it be good, we do not know.

A New York Times article entitled “New Crop of Immigrants in Parliament Is Seen as Reflection of Canada” (4) shows the impact of immigration in this wonderful part of North America.

The article tells how “Ahmed Hussen is about to be sworn in as a member of Parliament — one of 46 nonwhite candidates elected to the House of Commons on Oct. 19, most of them immigrants”.

The USA as well as Canada has such a history of revitalization from immigration; the British, the Germans, the Irish, the Chinese, the Scots, the Italians, the Nordics, the Japanese, the Vietnamese, the Indians, the Haitians, the Eastern Europeans, the Mexicans and a list that goes on and on.  Each wave has created change, some good and some bad, depending on perspective.

There is little we can do about the change.  However, there is a lot we can do about how we react!   Figure out the change.  Embrace it.  Look for the silver lining.  Take advantage of the good.  Without change, all of us would be stuck exactly where we are.  This is a never ending story, and we never get to know the ending in advance.

keppler asset management chart

This chart from Michael Keppler’s speech (available to Pi subscribers) shows how holding a good value portfolio for 12 month’s time, increases the probability of outperformance to almost 70%.

What to Do

What we can do to embrace change is use a three step process business-like approach to investing.  First, recognize that every story has some good and some bad, but there is always a part of the story that we do not know.  Second, look for the best value so we don’t overpay for what we are buying.  Third, diversify so time will work in our favor.

Change is here, always has been and always will be. Look for the good it can bring and embrace it by finding value.  This is the only logical approach in life because as Winston Churchill once said; “I am an optimist. It does not seem to be much use being anything else”.

Gary

Gain From Election Volatility

Here we are again… another election on its way… all the robo calls from politicians… the dirty tricks and the innumerable amounts of nonsense this vital process brings.

However America’s politics turn out, one thing is sure.  There will be volatility in stock markets during the election process.

The first reason markets will bounce has nothing to do with politics or policies.   A market correction is due regardless of the party or the person in office.

Second the new politics has created an uncertain era.  Everyone has been shaken over the past three years whether they are pleased with the government or not.

Nothing frightens markets like uncertainty.

Third if we see rising interest rates, this will push markets down.

Despite these pitfalls, there is a way to profit using the strong US dollar and undervalue non dollar stock markets to pick up good value shares.

During nearly five decades of global investing I have noticed found that good value strategies are the best way to profit long term, through good politics and bad.  The steps to take are simple.

The first tactic is to seek safety before profit.

We can look at Warren Buffett’s investing strategy as an example.  Buffett success is talked about a lot, but rarely does anyone explain how he make so much money.  That was the fact until some researchers really stripped his operation bare.  They looked at everything and learned the deepest of Buffett’s wealth management secrets.  Fortunately they published all in a research paper at Yale University’s website. that reveals important truths about extending wealth.

This research shows that the stocks Buffett 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.  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.

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 Buffett strategy integrates time and value for safety and profit.

A third tactic is using 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 limited leverage to invest in large purchases of “cheap, safe, quality stocks”.  He limits 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.

Stated in another way buffet uses logic (buy good value) to have the conviction, wherewithal, and skill to invest with leverage over many decades.

What do we do when we are not Warren Buffett?

May I introduce the Purposeful Investing Course (Pi) for those who want to invest like Warren Buffet, but know they are not.  This course is based on my 50 plus years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy Extending Wealth

Pi’s mission is to make it easy for anyone to create a three point strategy, like Buffett’s even though they do not have a lot of time for or knowledge about investing.

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

One secret is to invest with a purpose beyond the cash.  One tactic as mentioned is staying power.  This means not being caught short and having to sell during a period of loss.  This also means having enough faith in a strategy that we stick to the plan.  When we invest with purpose, doing what we love, we enjoy the process more and are more likely to hold on during down times, when most poor investors panic and sell.

Slow, Worry Free, Good Value Investing

Stress, worry and fear are three of an investor’s worst enemies.  They create the Behavior Gap, a trait exhibited by most investors, that causes them to underperform any market sector they choose.  The behavior gap is created by natural human responses to fear.   Pi helps create profitable strategies that avoid losses from this gap.

Spanning the Behavior Gap

Behavior gaps are among the biggest reasons why so many investors fail.  Human evolution makes fear the second most powerful motivator.  (Greed is the third.)  Fear creates investment losses due to behavior gaps.  Fear motivates us more strongly than desire.  By nature investors are risk adverse.

Winning investors though embrace risk because they have a plan based on good value.

Purpose is the most powerful motivator,  stronger than fear and greed, so a strategy with purpose is the most powerful of all.

Combine your needs and capabilities with good value secrets and the math to back up your value selections through the Pifolio – The Pi Model Portfolio

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

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

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

#1:  Current book to price

#2: Cash flow to price

#3: Earnings to price

#4: Average dividend yield

#5: Return on equity

#6: Cash flow return.

#7: Market history

We follow this research of a brilliant mathematician and have tracked this analysis for over 20 years.    This is a complete and continual study of international major and emerging stock markets.

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.

A country ETF provides diversification and cost efficiency by spreading one simple, even small investment into a basket of equities in a good value stock market.  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 matches this mathematical certainty with my fifty years of experience. This opens insights to numerous long term cycles that most investors miss because they have not been investing long enough to see them.

For example 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!  There are currently ten good value (non US) developed markets,  plus 10 good value emerging markets.

Pi shows how to easily create a diversified, worry free portfolio in some of these good value markets using Country Index ETFs.

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

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago.  There is so much more to write and 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 you’ll receive the report “Three Currency Patterns For 50% Profits or More” FREE when you subscribe to Pi.

Leverage

Pi also explains when leverage provides extra potential without undo risk.  For example in 1986 I issued a report called “The Silver Dip” that showed how to borrow 12,000 British pounds (at almost 1.6 to 1 dollars per pound the loan created US$18,600) and use the loan to buy 3835 ounces of silver at around US$4.85 an ounce.

Silver had crashed, I mean really crashed from $48 per ounce.  As prices decreased from early 1983 into 1986, total supply had fallen to 449.7 million ounces in 1986.  Mine production was restricted by the low prices at this time, with silver reaching a low for this period of $4.85 in May 1986.  Secondary recovery also was constricted by these low prices.

Then silver’s price skyrocketed to over $11 an ounce within a year.  The $18,600 loan was now worth $42,185.

The loan was in pounds and in May 1986 the dollar pound rate was 1.55 dollars per pound.  So the 12,000 pound loan purchased $18,600 of silver.  The pound then crashed to 1.40 dollars per silver.  The loan could be paid off for $13,285 immediately creating an extra $5,314 profit.  The profit grew to $47,499 in just a year.

Conditions for the silver dip have returned.  The availability of low cost loans and silver are at an all time low.  The price of silver has crashed from nearly $50 an ounce to below $14 as did shares of the iShares Silver ETF (SLV).

finance.yahoo.com chart SLV

iShares Silver Trust (symbol SLV) from www.finance.yahoo.com

Imagine investing in a spike like this… with leverage!

At the same time the silver gold ratio hit 80, a strong sign to invest in precious metals.

I have updated a special report “Silver Dip 2019” about a leveraged silver speculation 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 gained through 30 years of speculating and investing in precious metals.  While working on the report, when the gold silver ratio slipped to 80 and the price of silver dropped below $14 an ounce, I knew I needed to share this immediately.

I released a new report “Silver Dip 2015” so readers were able to take advantage of these conditions and leverage 1.6 times as a speculation.  That report generated profits as high as 212% and a revised 2019 issue has been produced.

“The Silver Dip 2109”  sells for $39.95 but  you receive  “Silver Dip 2019” FREE when you subscribe to Pi.

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

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(1) Business Insider Chart

(2) Nytimes.com  European Union economic forecast migrants refugees

(3) Pew Research

(4) Nytimes.com New crop of immigrants in Parliament is seen as reflection of Canada

Profit From Smaller Moves


You can profit by understanding smaller moves.

One of the major driving economic foundations of all good investing and business is demographics.

Recent messages have looked at the power of thinking small.  One reasons why this is good advice is that the largest wealthiest demographic wave… perhaps ever… is making smaller moves.

garyscott backyard

These are our New Year’s Day fireworks we enjoyed… nature aflame in our back yard in Smalltown USA.  See how this trend can bring extra profit to you.

On New Year’s Eve we worked from 6:00 am until 6:30pm… watched from our lanai the fireworks bursting above our nearby small town.  We wrapped this up with some quiet reading and by 9:30 we were in bed.  On New Year’s Day by 6:39:29 AM EST I had finished a long meditation and my yoga and had answered my first email.

46 minutes and 2 seconds into 2013 I had my first order and by January 1, 2013 9:18:34 AM EST I had my first 25 orders and had earned my first thousand dollars of the year.

Sounds like we are working hard… but we are not. We love what we do and prefer being at home.  Our work is our passion and is fun and fulfilling to us.

I have always believed that a big part of Merri’s and my success is that we are so common… so much like all the other 60 million baby boomers.  Our secret to success is to “go do things” that we love. When the activity works well we write about it and because we are so similar to so many… the process works. What we love so too do others.  This process makes us look like leaders but really we are followers… of a common heart.

Now our feeling is to stay at home… in small towns… away from the maddening crowd… but still busy with a multi dimensional business and in touch.

If our feelings are spot on… then expect a huge wave that can earn income for you.

A recent Reuters article by Mark Miller entitled “Retirees Moving But Not Very Far” explains a powerful demographic forces we can learn from when it says:  When Harvey and Cora Alter decided to move away from Washington, D.C., for their retirement, friends were surprised to hear where they were going.

The Alters weren’t even crossing a state line. They would move just 30 miles north of Rockville, Maryland, where they had raised two daughters, to Frederick — a town of about 65,000 on the outskirts of the Washington-Baltimore metro area near the Catoctin Mountains.

Relocation in retirement often brings cross-country or big north-south moves to mind, but very few seniors actually go very far. In 2010, just 1.6 percent of retirees between age 55 and 65 moved across state lines, according to an analysis of U.S. Census Bureau data by Richard Johnson, director of retirement policy research at The Urban Institute.

And even among retirees who do move across state lines, migration patterns have shifted in recent years, Johnson says. In 1990, more than one in four retirees between age 55 to 65 who did relocate across a state line moved to Florida — and seven of the top cities for migrating retirees were in the sunshine state. Florida remains the most popular destination, but it only attracted one in seven of retirees between 2005 and 2010.

The increasing popularity of the short-distance move may be a result of the many advantages the strategy offers: Retirees who stay an hour or two from where they worked and raised their children can cut their costs while staying near their friends, cultural events, major airports and medical facilities. Moving outside the metro area means they don’t have to compete on housing prices with people who need to be closer to the city for their jobs.

Depending on local real estate values, it’s a move that can allow seniors to extract substantial equity from the real estate portion of their assets. Many bought their homes decades ago at prices far below even today’s depressed market —- and they are the most likely age group to be mortgage-free: 65 percent of homeowners over age 65 were mortgage-free in 2009, according to the Census Bureau.

The results can be eye-popping when the downshifting involves a move away from a pricey real estate market, according to a review of median home prices from Sperling’s BestPlaces (bestplaces.net/), a research firm that analyzes U.S. communities.

For example, a retiree could sell a home in Montclair, New Jersey, near New York City, where the median home price is $560,800 and move 90 miles to Allentown, Pennsylvania (median home price: $135,400) — pocketing about $425,000 in extracted equity, assuming a mortgage-free transaction and excluding closing costs. Likewise, a 40-mile move from Highland Park, Illinois (median home price: $542,000) to nearby Woodstock ($205,800) would generate around $336,000 in extracted equity.

Property tax savings could sweeten the deal in some situations. Sperling points out that the Montclair house would face property taxes of around $11,300 a year, while the Allentown home would carry property taxes of only $2,580 — an additional savings of almost $9,000 a year.

Perhaps best of all, federal tax law lets you keep as much as $250,000 of the gain tax-free if you’re single, and up to $500,000 for couples. That money can be used any way you like; the rule applies as long as you’ve lived in the home you’re selling for at least two of the last five years.

The cost of living in exurbia is far lower, too. BestPlaces data on prices for housing, food, transportation, utilities and health care show that it’s 19 percent less expensive to live in Frederick than Rockville. Median home prices are 33 percent lower, and property taxes are 10 percent lower.

You can read the entire article at the link below.

Demographic changes are one of the most important foundations of economic change… watch where the retirees in America, Canada and Europe are going.  Tracking their moves can enhance profits in your business and investing.

Merri and I were well ahead (perhaps too far ahead!) of the curve beginning 17 years ago in Ecuador.

See why we believe in extra real estate value and business potential for retirees in Ecuador 

We have also have enjoyed being ahead of the curve beginning 20 years ago by buying into Smalltown USA.

See why we believe in extra potential from publishing in Smalltown USA now.

We look forward to sharing both these demographic economic storms and more in 2013 with you.

Gary

Seven P Secrets of Self Publishing

When you write, you can work anywhere. 

gary-scott-image

Here I am working poolside in the winter, at our Florida farm.

gary scott

Here I am with our hound Ma, working during the summer at our North Carolina farm.

Learn how to earn everywhere, while living anywhere you choose.  I have been able to earn by writing in Hong Kong, England, the Isle of Man, Dominican Republic and Ecuador to name a few of the place I have lived.  Everywhere I have been… too numerous to share here, I have been able to work.

All I need is my laptop.

That’s all you need too… a laptop to be free!

Before computers, a pencil and pad did the job.

Freedom is just one benefit you can gain from writing.

Another benefit is income.   Writing has brought me both our farms, free and clear… plus a lot more.

Another good example of earning potential is my friend Hugh Howey.   He was working for $10 an hour in a book store when he self published his novel Wool, typing in a storage room during his lunch breaks.

Soon he was earning over $100,000 a month on Amazon.com.  This helped secure a six-figure book deal from Simon & Schuster, and an option for film by Ridley Scott, director of Blade Runner and Alien.

That’s what he’s doing now.

Hugh Howey

Sometimes Hugh and I get together at my  farm and play chess (he beats me badly).

Writers like High are great inspirations.

A couple of years ago Hugh  left Florida, and moved to South Africa.  He had a sailing catamaran built for him and now can sail the world while he continues to write.

Hugh explained it like this: And that’s the miracle of working as a writer: I can do it from anywhere and everywhere. The past few years, I’ve done a lot of writing from airplanes and airports while on business trips abroad.  SAND was entirely written overseas while traveling through seven different countries; I think it’s a better story because of those inspirations.  In upcoming years, I may be writing near your home port.

Hugh’s a super star writer and his success could not happen to a more deserving and talented person.  He pours enormous energy into being worthy of his readership.  But you do not have to be a million dollar a year earner or a traveler to benefit from writing.

The good news is… you do not need a huge success to have a rich and fulfilled lifestyle.  Self Publishing can bring you a life that most people only dream of, as a journeyman writer, instead of a super star.

May I hastily add that the path to stardom begins as a journeyman… so the journeyman’s path brings success without stardom… but can also lead to stardom.

What most success stories like Hugh’s rarely explain is the many hours of writing that was devoted before their self published book sales soared.   Hugh, like most writers were journeymen first.  Stardom came later.

Here are sevens secrets that can help you become a journeyman writer. 

The secrets are a writer’s armory of tools that allows almost anyone to create successful publications for income, freedom and fulfillment.

Take Merri’s and my publishing business as an example.  

Merri and I are not writing stars.  We are journeymen who have for more than 40 years, year in and year out, earned solid income writing and self publishing dozens of publications about multiple subjects.

Some years that income has been more than solid… over a million dollars.  Yet in terms of stardom, we are hardly known.

In a moment you’ll see why that’s fine for us and probably will be for you too.

First some history.

Merri became involved in self publishing over 40 years ago… first helping a veterinarian publish a book on a very specific market… animal acupuncture. Then she showed a needle point artist how to sell more books to an even more specific audience… “needle point enthusiasts”  about her needle point work to an audience larger than the population of the city she lived in.  This led Merri to eventually become Executive Editor of an award winning magazine in Florida.

My story allowed Merri and me to work and live from Hong Kong to London to Europe to Eastern Europe, then the Caribbean and then Ecuador… making millions in the process of following our adventures… having fun… while helping a large readership adapt to a rapidly changing world.

That’s what self publishing can bring, profit, adventure and fulfillment, a great feeling of worth and wonder.

Self Publishing has created exactly the lifestyle we desire allowing us to span the world and work with meaning and purpose.

Self Publishing has become a new business art form. 

The seven secrets can help you start your own self publishing business now.

Everything in publishing is new and exciting and changing.  Publishing is being recreated by the wonderful power of destructive technology.

Everything is new… except the seven secrets. 

Change in the publishing industry is disturbing many.   We love this evolution due to these seven secrets we call the 7Ps.  The 7 Ps are so fundamental to writing and publishing that new technology enhances rather than reduces their power.

The First P is Passion.

Whatever your passion, you can immerse yourself in it AND create income with self publishing.  This can be your direct ticket to the kind of fulfillment you’ve always wanted.

Whether you want to travel the world or live as a recluse, work 12 hours a day or not work much at all,  you can set your schedule to succeed, if you’re willing to learn these seven secrets.

You can start part-time with any dream, passion, and budget.  Once you’ve created a product, you’ll enjoy the “multiple effect” of producing profits over and over again.

So the question is… What do you love to do?

What’s Your Passion:  An example is that thirty years ago, a client of Merri’s had a passion to help people who were in pain?  He published a series of pamphlets explaining various chiropractic disorders in very simple terms.  For example: “What Is Whiplash?”

The pamphlets contained solid information, but were simple 5″ x 7″ brochures with drawings and explanations. He sold them with a rack to chiropractors, who put them in their offices for patients to read.  These little self-published items sold year in and year out for decades.

There are thousands of ideas of this sort that can lead to big business.  It’s just a matter of defining and then acting on your passion.

Although I can work when I please and go where I wish, for me the most important reason for being a publisher is the satisfaction it brings. 

I love the projects I take on, so work doesn’t feel like, well… work.

What do you love?  If you love golf, then you can write and sell publications about golf.  Love travel, fishing, dogs, dolls, or art?  Write and sell publications in these fields.

Are you concerned about crime, war, poverty or environmental issues?  You can publish information products that help reduce these concerns.

Would you like to help the world be a more spiritual place?  Publish a newsletter, write a book (or hire someone to write it for you), record a tape… publish something that enlightens people.

Whatever your passion, you can immerse yourself in it and earn income by publishing for ereaders, print on demand, CDs, lists, bound books, or any format you choose.

Be immersed in your passion and get paid well for it. 

This is why stardom is not the main goal for most writers and self publishers.  Extra income, more freedom and fulfillment are usually more than enough enough.

The seven Ps are:

#1: Passion

#2: Problem

#3: Person

#4: Profitably Priced Product

#5: Prospecting Pathway

#6: Promise

#7: Presentation

The first time I exposed others to the secrets in Self Publishing was in a weekend “Writer’s Camp” seminar.  We offered the camp for $1,500. 80 delegates enrolled.  People from all walks of life attended—chiropractors, businessmen, investors, doctors, realtors, inventors, airline pilots, engineers, and housewives.

Merri and I were so overwhelmed by the response, we decided to make it available to a larger audience.  We created a written course based on our current self publishing activity called “Self Fulfilled – How to be a Self Publisher.”  Then we recorded the weekend “Writer’s Camp” seminar.

Thousands have used the course as it has evolved over the decades.

You can receive both the written course and the recorded weekend seminar, in an MP3 file, in a special “Live Well and Free Anywhere” program I am making available to you.  The normal fee is $299 for the written course and $299 for the recorded workshop.   I’ll send you both the course and the recorded workshop and my course “International Business Made EZ (also $299) all for $299.  You save $598.

We are so confident that you’ll gain from this offer that if you are not fully satisfied, simply email us within 60 days for a full refund .

These courses are not theoretical.  They describe, step-by-step, how Merri and I built a million-dollar international business and how we are running this self publishing business right now.   We use the 7Ps today just as we did four decades ago to create a strong annual income.

This correspondence course is for those who would like their own international self publishing micro business for fun and profit. If you want fun, freedom, extra income and fulfillment with your own full or part time writing or want to build your existing business, by writing to sell you can profit from this course.  The course can help 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 writing.

Here is a special offer. 

We provide two emailed courses  “Self Fulfilled – How to Write to Sell and be a Self Publisher” and “International Business Made EZ”.

We include the “Self Fulfilled Writing and Self Publishing Course” because there are two reasons to write, when you have something to say or when you have something to sell.  In this day and age many of us want to do both, make a statement that makes the world a better place and earn something extra in the process. 

Whatever your passion, however you do business, chances are you’ll be writing either to create a product or to sell a product. 

You save more than $598 because you also receive a recorded webinar conducted by our webmaster David Cross (at no extra cost).

David-cross-images tags:"2012-4-20"

David Cross

David has been our webmaster since our website began in the 1990s.  He is Merri’s and my business partner. We could not run our business as we do without him.

Learn the tactics we use in our web business that condenses 27 years of practical experience about search engine optimization, and writing for search engines.

For the last 27 years David has worked with companies large and small – IBM, Agora Publishing, AstraZeneca and many small business owners.  He has worked in 22 countries, and lived in six of them.

David’s clients span the globe and represent companies and charities both large and small.  From corporate giants to small, one-woman businesses and everything from finance, healthcare, publishing, technology, real estate, veterinarians, alternative health centers and everything in between.

David is an essential part of our web based business.

Myles Norin, CEO of Agora, Inc.  wrote:  “I have found David’s knowledge and experience unmatched in the industry.  Without David’s expertise and guidance for the past 7 years, we would not be nearly as successful as we are.”

As Senior Internet Consultant to Agora Inc. in Baltimore, MD, he worked closely with Agora’s publishers and marketers and – over a 7-year period – helped to propel Agora’s online revenues from around $20 million to well over $300 million.

David’s webinar will help you gain benefits in your micro business that large internet marketing companies use.  In this practical recorded workshop you will learn valuable skills to help your micro business.

There has never been a time when the opportunity for small businesses abroad has been so outstanding.  Expand your borders now!  Increase your economic security freedom, independence and success.

If you are not fully satisfied that this offers you enormous value simply email us for a full refund within 60 days.  You can keep all three courses as our thanks for giving our courses a try.

You also receive a report  “How to use Relaxed Concentration to Brainstorm Business Ideas” and a recorded workshop “How to Become and Remain Rich With Relaxed Concentration” at no additional cost.

Plus you get more in the program.

You receive regular writing and self publishing updates for a year.  Businesses usually need to evolve.  Merri and I continue to publish and have our independent businesses.  Some basics have remained for decades, but new strategies occur all the time throughout the year.  We’ll be sending along updates that share our most recent experiences as we learn and continue to grow our international micro business from Smalltown USA.

My special offer to you in this “Live Well and Free Anywhere Program”, is that you receive:

  • “International Business Made EZ” course
  • “Self Fulfilled – How to Write to Sell” course
  • Video Workshop by our webmaster David Cross,
  • The entire weekend “Writer’s Camp” in MP3,
  • MP3 Workshop “How to Gain Added Success With Relaxed Concentration”
  • Any updates to any of the courses, workshops, reports or recordings for a year.

We are so confident that you’ll gain from this offer that if you are not fully satisfied, simply email us within the first three months for a full refund . 

Order “Self Fulfilled – How to Publish to Sell” and a quarter of update lessons $79.   Click Here.

Order “Self Fulfilled – How to Publish to Sell” and a full year of update lessons $299.  Click Here.      

See success stories from Self Publishers and a few who have attended the “Writer’s Camp” that you will receive on MP3.

 

Reuters article “Retirees Moving But Not Very Far”

So Destiny Does Not Leave Us Behind


Demographic destiny is a major “tide in the affairs of all men”.  When that tide shifts, we must have caution that this destiny does not leave us behind.

Why Spanish?   Our destiny is wrapped up in Spanish and this fact  is summed up in the title of a March, 5, 2012 article entitled “Why Latino Voters Will Swing the 2012 Election”

glenn

Delegates having fun at our Super Thinking + Spanish course in Mt. Dora.

Actually one phrase in this six page article says it all… “Demography is political destiny.

Demographics show us that the Latin American population in the USA is growing faster than any other. This is the youngest and is destined to be one of the most dynamic markets.

The article says (underlines and bolds are mine): For the better part of two decades, social scientists have been predicting that a Latino population boom would one day transform national politics.

Latinos now account for more than half of U.S. population growth and one in four American newborns.  They make up about 16% of the country today and will account for 30% by 2050. But Obama’s aides care little about the out-year projections. They believe that Latino votes could be decisive in 2012, and they have been quietly building a national strategy to make that happen. Arizona, of all places, is the testing ground.

In short… from a business point of view the Latins are the action.

In terms of politics the here and now is vital because of the electoral system. The article continues: The battle lines were drawn decades ago. In every presidential contest since 1992, Republicans have won, at minimum, about a quarter of the Latino vote, and Democrats have won at least half. Up for grabs in most years is the remaining 25%. If Obama gets the vast majority of it in November, that could put him over the top in closely fought Colorado, Nevada, Florida and Arizona, potentially delivering an electoral-college victory even if he loses Indiana, Wisconsin and Ohio. Republicans by contrast, seem to have done everything in their power to alienate these voters, concentrating instead on wooing the more anti-immigration wing of their party.

Then we gain a great clue from the article when it shows us the importance of speaking and understanding Spanish:   The first rule for winning the Latino vote is to realize it’s a voter bloc in name only. There is a common ancestral language that binds nationalities, family histories and geographic allegiances. But that’s about it. A recently naturalized Mexican in Los Angeles is more likely to vote Democratic than a fourth-generation immigrant in New Mexico, who is more likely to be liberal than a 65-year-old Miami Cuban, whose 23-year-old daughter is more likely than her father to have voted for Obama in 2008.

Here is the trend. The Latino market will grow more than any other in the USA for the next 40 years.  There is perhaps only one major and real connection of the dots…. Spanish!

Last year, the Democrats ran Spanish-language TV ads pushing the President’s jobs plan and knowing Spanish will grow in importance in North America.  From a business and lifestyle in the USA point of view alone… we gain a huge advantage when we speak Spanish.

One way to avoid being left behind is to become the one in a thousand North American who can communicate in Spanish and English.

A recent message mentioned an article at www.livescience.com article entitled “CIA Seeks Anyone Who Can Speak 2 languages” explains why most North Americans never learn Spanish.  We share more from this very important message that says (bolds are mine):  WASHINGTON, D.C. — Many Americans don’t learn a second or a third language from birth, let alone a language that the CIA or U.S. Foreign Service might want. The situation has forced U.S. government agencies to learn how to cultivate the most talented second-language speakers from among college students with little to no other-language expertise.

But experts who help select and train raw talent also see an opportunity in the mass of recruits who start out speaking only English. That’s because the U.S. represents a living laboratory for observing how adult brains change over time as they struggle to adapt to the new grammar and vocabulary of a second language.

“In U.S. education, we don’t develop early bilinguals,” said Catherine Doughty, a language expert at the University of Maryland. “We’re dealing with monolinguals or people who have only studied foreign language, so that they don’t really have any proficiency.”

Doughty spoke as part of a panel on Feb. 19 during the American Association for the Advancement of Science (AAAS) conference in Washington, D.C. She and other speakers described the typical U.S. second-language program as being a series of disjointed classes where students often repeated what they had learned before.

“Imagine math [programs] where the middle school says, ‘We don’t have any idea about what you studied,’ so you learn it again. It’s the same with high school,” said Robert O. Slater, director of the U.S. National Security Education Program.

Imagine math [programs] where the middle school says, ‘We don’t have any idea about what you studied,’ so you learn it again. It’s the same with high school,” said Robert O. Slater, director of the U.S. National Security Education Program.

Finding the best

Government agencies aren’t alone in trying to recruit multilingual speakers; U.S. corporations covet such skills for doing business in the era of globalization. Some companies have asked language research centers, such as the one headed by Doughty, for help in training the most promising employees.

This article shows how being multi lingual can help you succeed in North America as well as in Spanish speaking countries.

The article also shows how learning a second language provides you an even more powerful tool than the language… a more flexible mind!

Improved mental flexibility is of growing importance because another major tide in our destiny is an increasingly rapid pace of change. This acceleration requires more plasticity of mind if we do not want to be left behind.

The livescience CIA article makes this important point when it says:  Doughty and her colleagues used tests to train up cognitive processes related to language learning, such as the ability to hold information in the brain while using it for learning. They then confirmed that the training’s effects left a lasting impression in the brains of candidates even after several months.

Changes in the brain

At least one panel member saw a silver lining to the late language-learning challenge.

Osterhout’s lab has used electrodes placed on the scalp to measure the electrical activity created by the signals of brain cells. That allows the researchers to see differences in the brain patterns among language learners and fluent speakers – and to find some surprising results.

Repeated studies of French language students showed that their brains responded differently to real French words compared with fake words after just two weeks of classes, even if the students themselves could not tell such words apart.

“After 32 weeks of instruction, [the brain patterns] are almost indistinguishable from native French speakers even though you would not confuse them with native French speakers,” Osterhout said during the panel session.

Instead, the fastest learners showed both the greatest motivation to learn and a willingness to use English at every opportunity despite being bad at it (at first).

“From knowing nothing to a little bit, [there are] huge changes in the brain,” Osterhout pointed out.”[From] knowing a little to knowing a lot, [it is] much more subtle.”

This is why our Super Thinking + Spanish course gets delegates speaking and writing Spanish sentences from the very first day.

This is also why I have posted a single at Amazon.com about “Ring Chewing”  a meditative exercise done while eating, that acts as a precursor to all other physical and metal exercises. 

The best way to beginning learning Spanish is in a state of relaxed concentration and the first  step to this state… the elimination of stress.

A universal Tao article explains why the Ring Muscles are so important when it says:  There is in the human body a system of muscles that is the source of life’s fundamental processes. These are the ring muscles. There are ring muscles in various parts of the body, both internally and externally. It is their coordinated and harmonious contraction and relaxation that initiates breathing, digestion, circulation, elimination, and all muscular motion. There is nothing in the human body that is not affected by the ring muscles.

The ring muscles are a form of the ancient system that is the basis for all of animal life, from the simplest amoeba to the highly complex human. They are connected to the most primitive part of the human brain, the part of the brain that is responsible for the most essential functions of the body.

In a healthy body, all of the ring muscles contract and relax simultaneously.  If they do not work together, some thing goes wrong in the body. Many of us are so unaware of the functioning of this basic system that we cannot even sense it-but it is there, nevertheless. If we work at getting in touch with our bodies, we can strengthen and learn to control these muscles and, through this, improve our physical and mental health.

There is a lot of science backing this statement because the smooth muscles (another world for ring muscles) control our breathing (ring muscles are related to the diaphragm), nerve functions and blood flow.

For example a paper at the advanced physiology website entitled  “LABORATORY DEMONSTRATION OF VASCULAR SMOOTH MUSCLE FUNCTION USING RAT AORTIC RING SEGMENTS” by R. J. Gonzales, R. W. Carter and N. L. Kanagy explains a lab exercise that studies vascular ring muscles says:  This laboratory exercise uses a simple preparation and a straightforward protocol to illustrate many of the basic principles of vascular biology covered in an introductory physiology course. The design of this laboratory allows students to actively participate in an exercise demonstrating the regulation of arterial tone by endothelial and extrinsic factors.

Smooth muscle cell physiology is a topic represented in major medical physiology textbooks as a small section of muscle physiology. However, this is a rap- idly changing, complex area of research that has seen recent significant advances impacting many diverse scientific fields.

In the vasculature, the radius of a blood vessel is altered by contraction of VSM cells (11). Thus it is possible to predict the effect of stimuli on vascular resistance and blood pressure by observing contraction of VSM in isolated preparations.

In non medical English this means that ring muscles have a profound effect on blood pressure.

The paper then says:  Relaxation of the smooth muscle cells cannot occur in the absence of active tone.g

Health and balance require well toned ring muscles.   Since the ring muscles contract and relax simultaneously if we exercise one ring muscle, we exercise them all!

Ring muscles are smooth muscle providing the contractile force for the internal organs and is controlled by the autonomic nervous system. Smooth muscle cells are spindle-shaped and each contains a single nucleus.

Ring muscles are sphincter muscles around the eyes, mouth, urinary canal and anus. They are connected to the diaphragm, and affects the digestive systems, blood vessels, nerves, breathing, urine, sexual organs and all the body’s muscles.

A ring muscle imbalance in one affects all and the related bodily system.  Balance for all can be attained by activating any one ring muscle. Exercise while chewing creates chain reactions that balance the body’s entire system.

This is because at the end of the esophagus near the mouth is a ring of muscle called the upper esophageal sphincter (UES) that is involved in the digestive process.

Chewing impacts our ring muscles and the ring muscles are the key muscles to strength, longevity and health.

Learn seven little known but undeniably easy breathing, eating and digestive exercises that provide a cost free way to improve life, health and bring weight loss.

The report “Power of the Key Muscles” shows how the ring muscles control life’s fundamental processes and are a key to good health and easy weight loss.  They are catalysts that power many human functions and all the other muscles in the body.

Fifty years ago it was discovered that when sphincter (key ring) muscles around the eyes and mouth are exercised correctly…miracles take place.

The ring muscles contract and relax simultaneously and kick start good health.

One of the techniques in this report works so well it has been recognized by all HMOs in Israel…. though ignored in the Western World.

Order  my .99 cent single “The Power in the Key Muscles” at Amazon.com

Gary

Join us next week and learn Spanish in four days. We have two spaces left for our March 8-11 course .

Learn Spanish in Three Days

Learn Spanish in Three Days ONLINE

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

Learn Spanish in a day, or a week, month or any time frame that works for you.

I’m Gary Scott.  Over fifty years ago I started a business that has helped hundreds of thousands of subscribers learn about investing in Hong Kong (1960s and 1970s), Switzerland, London, Isle of Man (1970s and 1980s) and across Europe.  In the 1990s we took investors to Panama, Mexico and Ecuador.  That’s when we realized an incredible need for an easy way to learn Spanish.

See below how my wife Merri was able to create a program that allowed students to be speaking and understanding Spanish in just three days.

Thousands of subscribers have learned Spanish at our three day Super Spanish course.  These courses have been taught across the US, in Canada, Panama, Mexico, Ecuador, Uruguay and Spain.

spanish

A Super Spanish course in Florida.

Read below to see how and why we are now offering our Super Spanish course ONLINE for the first time.

Speaking Spanish as a second language has huge benefits.

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 English at all.

You become one of a leading few 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 (bolds are mine): “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.

You may choose to take more time using the ONLINE course to learn Spanish, but thousands of our readers have learned to speak Spanish in only three days 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!

A special method of learning (called Super Learning) was created and refined by the Bulgarian educational master, Georgi Lozanov.   Lozanov transformed the entire Soviet educational system to such a degree that this third world country beat the USA into space.

My wife 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 1970s.  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 students 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 to create Relaxed Concentration 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 was among just a few who learned directly from Lozanov.

gary scott super thinking session

Super Spanish relaxed concentration session.

You gain six valuable ONLINE Relaxed Concentration sessions in the online course that is delivered via the internet.

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.   This eliminates the need to memorize 99% of Spanish words.

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.   The normal three day course fee is $499 ($749 for a couple).

The ONLINE course is available at the highly reduced price of $79.

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 SPANISH70 at checkout to immediately save $70 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 SPANISH70 at checkout to immediately save $70 off the regular price of $149.

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 Young or Old

Most Super Spanish students are all ages ,

Gary-scott-spanish-course

Super Spanish students at this course ranged from nine to over eighty years old.

Become a Spanish translator!

The wife of one couple who attended explained how after just three days her husband ended up as an accidental translator.

She wrote:  Gary,  I have sent Merri a couple of messages, and  a story of Mike being able to translate yesterday for a Spanish person  who couldn’t understand what a man was trying to tell him!

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.

The video below shows a super fast way to gain the basics so you can communicate in Spanish in just three days.

Gary-scott-super-spanish

Click here for FREE Super Spanish video.

Still can’t believe you can learn Spanish in a short time?

You have nothing to lose but to try.

The ONLINE Super Spanish 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 SPANISH70 at checkout to immediately save $70 off the regular price of $149.

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

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