Tag Archive | "early adapters"

Boomer Income Beyond Supply & Demand


Here’s how Boomers can eliminate or reduce their greatest fear.

That fear, by the way, is about money.

A recent article at msn.com, “The 2 Biggest Retirement Fears of Baby Boomers”, (1) shows that the two biggest fears are financial.  46% of Boomers surveyed were afraid that Social Security will be reduced or simply cease to exist and 45% said that outliving their savings and investments, was their greatest retirement worry.

It was also reported, that 37% of the boomers, in a Transamerica survey, expect Social Security to provide their main source of income.  No wonder Boomers are afraid of Social Securities demise.

The solution of course is to continue to earn income. Fortunately modern technology makes it pretty easy to earn at home.

publishing

All it takes to be in business

Merri and I have been earning online for decades since we started our website in the late 1990s.

Our main business has been publishing, but we have also enjoyed a lot of AIRBNB success renting cabins at our farm.

Technology has created income opportunities from self publishing, to AIRBNB, to Uber to selling on Amazon eBay, through Facebook and on sites such as Craig’s list.

There are so many unique ways to earn extra cash.  Take for example swimply.com.

The CNN article “Swimming Pools for Rent this Summer” (2) shows a new way to cash in on a computer business.

There’s nothing like diving into a cool swimming pool on a scorching hot summer day. Unfortunately, most of us don’t have our own pools and worse, the pandemic has kiboshed most public pools.

Enter Swimply, the brainchild of 23-year-old entrepreneur Bunim Laskin, a website and app that matches swimmers with available swimming pools. Laskin conducted a pilot version in the summer of 2018 and pitched his idea for an “Airbnb for pools” on an episode of the television show “Shark Tank” that aired earlier this year. He didn’t get that funding, but regardless, his nascent pool-sharing enterprise is off to a swimmingly good start.

There are three things that laptop earners can depend upon.

First, the systems and technology that works best will continue to change.

Merri and I have noticed this again and again. The systems we used in the early 2000s and 2010s do not work so well now.

Second, the people who run the systems, that do work well, will take advantage of you and your business.  The better a system works, the more the system will push your business.  Merri and I especially noticed this when we rented via AIRBNB.  We were super hosts, had a 97% five star rating and did a nice business renting our cabins at the farm.

As rental become more popular and available in our area and globally, AIRBNB made operating the rentals increasingly difficult and less profitable.

This is the nature of supply and demand.  Almost all employers do this.  Take Wal Mart, one of the largest employers in the world,  as an example.  As the store profits soared did the management pour resources and energy into providing greater rewards for employees?  Not a chance… instead they figured out how to pay less for their labor.

Third, there is no guarantee that a successful platform will continue to succeed.   An article at MIT Technology.com, “TikTok made him famous. Now he’s imagining a world without it” (3) shows how even political risks can ruin an online business.

The article says: Ryan Beard was sitting in front of his keyboard, taking song requests on a live stream on the last Friday of July, when he saw a message from a viewer pop up in the chat: “tik tok is officially getting banned.

Beard, 22, has more than 1.8 million followers on TikTok. He spent a year growing that following, throwing everything he had into a career as an online creator with the app as his anchor. The Twitch thing was new, his audience there much smaller. Now—while dozens of people looked on—he was trying to process the possibility that he could lose it all.

“Is it really?” he said, continuing to stream from his family home in Kansas City, Kansas. “No. Please tell me it’s not true.” He turned to his computer and searched for news coverage, finding a headline: “’Trump says he will ban TikTok from the US.’ Great. GREAT.” He leaned back in his chair and put his head in his hands. “Fuck Donald Trump. Oh my God.”

In another  example, in June 2019 Google did a core update (made several changes to their main (core) algorithm).

This has a big negative impact on some sites that focused on news and health.

One of the top ranked health sites at Google, Mercola.com, saw traffic drop by about 99% over the first few weeks. That core update removed most Mercola.com pages from its search results.

There are several things one can do to protect against platform failure.

First use more than one platform.  Don’t let your business be totally dictated by one app, website or platform.

self publsihing

For example the article,  “Websites for Selling Crafts and Handmade Products” (4) shows seven websites just for selling homemade crafts; Etsy, Handmade Amazon, Cratejoy, Zibbet, Folksy, Hyena Cart and iCraft.

Another tactic is to use the tried and true formula for creating all small business income, called the 7Ps.

This formula is important because it allows you to shift from platform to platform to as new tech changes the playing field.

Merri and I have used the 7Ps to succeed as early adapters in the self publishing field for over 45 years.   When we see the glimmerings of a really new, powerful idea, we do our best to get a head start and immediately jump on board.   This is the way to maximize profits and establish one self as a leader in new technology.

We are in a perfect position to help because we have used “For Certain” principles in self publishing for 45 years.  The never changing fundamentals of publishing in an uncertain world are – Reach, Engage, Focus, Monetize.

Whatever change takes place in the at home computer business world,  the 7Ps create opportunity for micro businesses.  The 7Ps identify, reach, engage, focus and solidify customers at a profit.

These 7Ps are: Passion – Problem – Person – Product – Prospecting Path – Promise – Presentation.

The Ps are really important to business because they transcend all forms of technology.  They are a constant in an ever changing world.

I learned this process in the 1970s. This routine has worked through numerous changes in communication technology and is still relevant in the modern world.

The system is based on accumulating a list of people with a problem (that your business can resolve).  In the 1970s, I used classified advertisements in the Wall Street Journal to build my original list.

The technology involved in the 1970s was a clunky impression machine that impressed the name and address, of each person who responded, onto a metal plate.

embosser

The technology behind my mailing list in the 1970s.

Additional technology was very thin (onion skin) airmail paper and very light weight airmail envelopes. When a person replied to the ad, I impressed their name and address on a metal plate.

Then I started sending each person on the list, seven letters, each one two weeks apart.  Each letter revealed how our business could help them.

The 7Ps worked for us later with computerized Cheshire labels.

Then the 7Ps worked with jet printing on envelopes and personalized emails.

They work for our websites and blogs. They work at Amazon.com.

After our internet business evolved, instead of Wall Street Journal ads, I relied on on key words “Pay per Click” ads at Google and later at Facebook.   Mostly in recent years I have relied on organic growth from readers referrals.

The technology has changed greatly, but the 7P routine is exactly the same.

Learn how to get create an at home income using the 7Ps.

Changes are taking place in the internet world.  They will not shift overnight.  No one is totally sure of the end product… but that change is starting now.

How we communicate and build and keep our small business going will continuously change so we study, test and publish applying new technology we learn.  Because almost all at home businesses require some writing, I would like to share these principles in our course described below.

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 places I have lived.   Anywhere I am,  I am  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 a laptop business.

Another benefit is income.   Writing has brought me both our farms in Florida and North carolina, 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

Hugh and I playing chess (he beats me badly).

Writers like Hugh 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 on how to expand the profits of what you write called “Eventful Business” (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. 

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:

  • “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”
  • The business course “Eventful Business”
  • 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 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.

 

(1) www.msn.com: The 2 biggest retirement fears of baby boomers

(2)  www.cnn.com/travel/article/swimming-pool-rent/index.html

(3) www.technologyreview.com: Tiktok ban influencers Ryan Beard

(4) www.cratejoy.com: 7 websites for selling crafts

 

There is Always Risk


There is always risk in investing, business and life… because there is always something we don’t know.

The great scientist, the late Stephen Hawking, was known for many achievements in science.  His books unveiled the great mysteries of the cosmos in simple, digestible language.

Hawking also made many predictions.

Some can make us feel good.… “Modern health care will make 100 years a normal lifetime”.

Others not so… “Humanity only has 100 years left on earth”.

Of course we do not know whether either forecast is really accurate.

However, we can relay on Hawking’s wisest and most accurate prognostication though; “Intelligence is the ability to adapt to change.” 

The ability to adapt, to what we perceive is good or bad, can make us smarter than the smartest man in the world.

Adaptability is such a valuable asset because we can never envision how the future will unfold.

The Wall Street Journal article “Two Can Play at Trade War” (1) provides an example.

The article outlines tariffs that China has placed on US goods in retaliation for the levies on steel (25%) and aluminum (10%) imports from China.

Americans may see lower prices for pork and apples which are hit with the tariffs.

The article says “Greater damage may come from China’s 15% tariff on American fruits, nuts and sparkling wine. Apple growers in Washington State only gained full access to the Chinese market in 2015 and have seen rapid growth in exports from zero three years ago. Sales of American wine to China, almost all from California, grew 10% last year to $197 million, still a small percentage of total production. Such industries now face headwinds to building market share.”

The tariffs may even create some environmental good in the Western US as it could slow down almond production (a very thirsty crop).

California nut farmers are especially vulnerable since China is their largest export market. According to the Golden State’s agriculture department, they sold $530 million in pistachios and $518 million in almonds to China in 2016. For pistachio farmers, China accounts for 55% of total exports. Almond exports are down from five years ago because drought limited production, but sales to China rebounded 6% last year.

The article provided evidence of “How the best laid plans of mice and men go wrong”.  There is no way that these food producers could have anticipated these trade sanctions so they have to adapt.

Merri and I have turned several of our hobbies into businesses to expand our adaptability.

Writing and real estate have been our mainstay businesses but we turned our agricultural hobbies into businesses as well.

We have orange groves at our Florida home.  We raise trout at our North Carolina farm.  These small businesses in food and agriculture are satisfying, fun and add safety in our lives as we always have a food based survival income.

We also grow ginseng.

ginseng

Ginseng growing in our back yard.

The logic, beyond enjoying the process, is:

* Our farm is a natural habitat for ginseng.

* Ginseng prices are margins are high.

* Ginseng grows easily without much labor.

* Ginseng is an important Chinese medicinal root.

* China’s growing economy will increase the demand for ginseng.

ginseng

Planting ginseng at our North Carolina farm.

This all sounds like a good idea, but there is always something we do not know.  The Wall Street Journal article shows how the tariffs could also hurt the market for ginseng.

A Chinese medicinal root is one of the more obscure items on the 15% tariff list, and the impact will fall almost entirely on one county in central Wisconsin around the city of Wausau.  Ginseng from Marathon County is highly prized in Asia, and about $30 million of it is exported annually to China.

When we began planting ginseng many years ago, we could not have guessed that there was this risk.  Fortunately we have no need or plans to sell at this time.  As ginseng root grows so does its potential for profit.

Plus there is another important reason why we planted ginseng… it is an important medicinal root that we can personally use to maintain our vitality and health.

Our original thinking about the financial prospects of ginseng may be flawed, by tariffs,  but  we can still use it for our own natural health or perhaps create a local market, if we decide we need to harvest a crop.

Whatever comes, I’ll adapt.

I hope this reminder will refresh your thought process, so as you look forward into this risky future with equanimity.   If you do, embracing change and risk with an even mind can bring greater contentment, happiness and success.

Gary

Protect Your Wealth From a US Dollar Loss

Here are three steps to multi currency profits.   Seek value.  Cut losses.  Take profits.

Quotes from three great value 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 and increase our wealth.  When it comes to investing, discipline can make you smarter than the smartest man in the world.

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.  His comment was “I can calculate the motions of the heavenly bodies but not the madness of the people.

Sir Issac forgot the intelligence of 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 the data we use in my Purposeful Investing Course (Pi) is created by  mathematicians not economists.

I am happy to introduce an investing math program that instills investment discipline so you can use math, not emotion to protect and increase your wealth.

There are time tested mathematical systems that can help you know when to take profits that maximizes gains and minimizes loss.

These systems help you seek value but also create disciplined exit strategies because one of the toughest decisions most of us have is to know when to sell a rising or falling share.

Human nature makes it harder to let winners run, than to cut loses.

To easily spot good value and stick to it, we use Keppler Asset Management  as our first source of data.

Keppler’s analysis begins with a continual researches of corporate information on thousands of shares in 46 major stock markets. Keppler 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.

Fwd: keppler

Michael Kepler CEO Keppler Asset Management.

Keppler explains why a Top Value Country Selection Strategy for equities is important and says in his analysis: Among the generally accepted reasons for taking a global perspective in investments is the historical fact that no nation can maintain economic and political pre-eminence ad infinitum.

Studies have shown that, regardless of the investor’s national market and currency, diversified global equity portfolios, over longer periods, offer higher returns at lower risk than investments in national markets.

Keppler Asset Management Inc. (KAM) was  founded by Michael Keppler in 1992.  KAM is an SEC–registered investment advisory firm dedicated to finding and exploiting investment opportunities in the global equity markets. Based in New York, they advise institutional investors worldwide and help manage published mutual funds with total assets exceeding two billion US dollars. Plus they advise many private pension funds by specializing in active quantitative portfolio strategies that aim to deliver superior long-term performance and seek to limit risk through a firm commitment to value.

Starting in 2009, KAM was named Best Fund Company in the Fund category, five years in a row, by Capital, a leading German business magazine.

That’s my simplicity secret for keeping track of where to invest.  Using Keppler’s data has served me well for 25 years.  This is an effective easy system that does not requires a lot of time and avoids being drowned in a sea of conflicting opinions about what investment to make next.

More good news is that Keppler does not manage individual accounts and though SEC registered and headquartered in New York, does not mange funds for US customers.  That means that not many US investors are tapped into the information we use.

That’s why I created our Purposeful Investing Course, one of the few, if not the only sources of Keppler analysis for individual investors.

Here is how to tap into this valuable information on a no risk basis right now.

The Purposeful Investing Course combines Keppler analysis with research on low cost, good value country ETFs.

This is why my core stock portfolio consists of 16 country ETFs, along with precious metals.   This is also why this position has hardly changed in the past five years. During this time we have been steadily accumulating the same 16 shares and have traded only six times.

This portfolio above is based on stock price-to-value analysis built around 91 years of stock market data.

The value analysis is used to create a portfolio of 16 country ETFs. Each ETF  covers  one of the stock markets that are undervalued.

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.

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 hold now.

70% of the equities is diversified into iShares ETFs that represent Keppler’s nine good value (BUY rated) developed markets: Austria, Germany, Hong Kong, Italy, Japan, Norway, Singapore, Spain and the United Kingdom.

30% of the equities are invested in Keppler’s good value (BUY rated) emerging markets: Brazil, Chile, China, Colombia, Malaysia, Mexico 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.

The big bonus.  You 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. 

This strategy adds safety, increases long term appreciation potential and pays almost double short term dividend 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.

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.

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

My developed market portfolio has been diversified into eight developed markets: 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.

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.

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) www.wsj.com: Two can play at trade war

Head Start a Self Publishing Business With the 7 Ps


Merri and I have used the 7Ps to succeed as early adapters in the self publishing field for over 45 years.   When we see the glimmerings of a really new, powerful idea, we do our best to get a head start and immediately jump on board.   This is the way to maximize profits and establish one self as a leader in new technology.

 A new self publishing miracle is brewing that may create a special idea for you now.

You may have watched the interviews we have posted at our site with Hugh Howey, Scott Nicholson and Laury Dahners.  They were part of “Self Fulfilled 202”.  These three authors have successfully published at Amazon.com and the interviews provided some great insights.

One theme in the videos was the question…” how long can the present expansion of self publishing last”.

The answer is… not much longer.

What is next. What will the bell shape curve do to the current Amazon.com self publishing bubble?

The 99-cent ebook has had several year’s run, but this type of self publishing is reaching stratification (crappy books sinking, good books nailing stable plateaus).

Self publishers who want to get ahead by 2015 will need a way to money off of free books.

We are not waiting but are starting a new project in 2014.  This Merri’s and my realm as we have been offering free publications for over three decades and have earned millions in the process.   We have been self publishing this way  by “writing to sell” using monetization and the 7Ps.

We are blending tactics we already use with ideas being financed by Steve Case.

What’s Next? – Huge Profits For the Early Adapter

Steve Case founder of AOL.com has a venture capital fund and is known as a practical business investor with a sharp eye for Main Street’s needs.  He looks for, “big ideas that are still small companies” and has invested most heavily so far ($40 million) in BigCommerce, a company that brings “Amazon-like capabilities” to any merchant. The pool of potential customers is huge: 95 percent of retail establishments in the U.S. consist of a single store.

Be a Micro Amazon.com

The goal of “Self Fulfilled – How to Self Publish 303” is to help readers get into the very beginning of a new trend during the initial stages when  there is the greatest potential.   The internet has created the broad band era where smaller is bigger.  Steve Case is financing the refinement of this technology so many Davids can compete with the few Goliaths.

We are in a perfect position to help because we have used “For Certain” principles in self publishing for 45 years.  The never changing fundamentals of publishing in an uncertain world are – Reach, Engage, Focus, Monetization.

Whatever change takes place at Amazon.com and in the publishing world,  the 7Ps create opportunity for micro businesses.  The 7Ps identify, reach, engage, focus and solidify customers at a profit.

These 7Ps are: Passion – Problem – Person – Product – Prospecting Path – Promise – Presentation.

The Ps are really important to any writer, publisher or micro business because they transcend all forms of technology.  They are a constant in an ever changing world.

The 7Ps reflect an immutable logic that worked in paper direct mail before computers.  The 7Ps worked with computerized Cheshire labels.  The 7Ps worked  with jet printing on envelopes and personalized emails. They work for websites and blogs.  They work at Amazon.com.  Our writer’s camp and online Self Fulfilled delegates and Event Full subscribers are using the 7Ps successfully right now at Amazon.com and in numerous micro businesses.

The 7Ps will work even better in this next communications revolution.

Learn how to get in early on the next self publishing technology using the 7Ps.

Changes are taking place in the internet world.  They will not shift overnight.  No one is totally sure of the end product… but that change is starting now.

Amazon.com will change.  Over 2014 I’ll be studying, testing and publishing at Amazon.com and applying new technology offered by Amazon.com and new tech like BigCommerce, as it evolves.  I would like to share what I learn with you.

Subscribe to Self Fulfilled how to be a Self Publisher 101 – 202 and 303  $299

This is a new exciting era for writers.

Smart self publishers can begin earning quickly with no obstacles between their publication and the reading public.   New technology provides self publishers with the following benefits:

* Printing, shipping and disposal (of unsold books) costs eliminated.

* Shelf space unlimited and almost free with no capital costs.

* Increased sales volume. Kindle owners buy more books than print readers and will spend weekly to get new chapters rather than entire books.

Get a great head start on earning income through the the evolving online self publishing process that we reveal in our course.

Technology favors self publishers today. Portable computers, the internet, wireless access, on demand printing smart phones and electronic readers all create enormous new, quick earning potential for self publishers.

If you take advantage of this offer there is a new added benefit.   You receive the basic “Self Publishing 101”,  “Self Publishing 202… How to Publish on Kindle” and our newest course “Self Publishing 303 – Tapping into the Amazon Evolution”.

We have added “Self Fulfilled – How to Self Publish 303”

The goal of “Self Fulfilled – How to Self Publish 303” is to help writers take advantage of a new trends at Amazon.com.   During the initial stages these new features offer the greatest potential.

Amazon.com publishing is evolving.  Over 2014 I’ll be studying, testing and publishing at Amazon.com and applying new technology offered by Amazon.com and new tech.  303 shares what I learn.

Subscribe to Self Fulfilled how to be a Self Publisher 101 – 202 and 303  for only $299… or get it free.

“Self Fulfilled – How to be a Self Publisher”  teaches our proprietary step-by-step plan for getting your publishing business going… full or part-time… right away.

Here are just a few of the subjects you learn in Self Fulfilled How to be a Self Publisher 101:

* How you can start earning quickly  with a very small amount of money even if you do not write full time.

* 11 steps to creating the perfect product, including how to review ideas, test focus, and aim at markets.

* How to gain 1,000% returns on some of your publications.

* How to choose a format—book, newsletter, list, audio or video—that suits you and your audience.

* Frequently committed marketing mistakes and how to avoid them (plus, you’ll get samples of winning marketing pieces to study).

Gain practical publishing ideas and case studies.

For example, you’ll learn about a pilot who published a book on the best airport cafés (suddenly all his flying became tax-deductible!)… how one couple who loved an island wrote a guide on the place and made enough money to buy a home on the beach there… and how another couple made millions with a simple legal idea.

What’s Your Passion: Travel and Tourism?

A client of ours amassed a fortune by starting travel guides for cities. He started with Sarasota, Florida, publishing a simple booklet with attractions, restaurants, etc. and plenty of advertising. Then he moved onto Naples, and on and on,until the whole state of Florida was done.

He didn’t have to put much work into the booklets as he could carry over plenty of generic information from booklet to booklet. But there were plenty of advertisers and plenty of people who wanted to obtain these booklets.

You learn:

* How to set up a computerized fulfillment center even if you’re computer illiterate.

* How to turn advertising dollars into a fortune by creating winning ads, direct mail pieces, and getting thousands of dollars in free publicity.

* How to use your computer and the internet to save hundreds of thousands of dollars in printing and postage.

* How to control inventory, check ad results, and keep overhead down.

* 11 financial hazards to avoid and tricks to stay profitable without a daily accountant.

* My secret pricing strategies that will help you sell more units of your product.

* How to define and target your internet market, and start getting visits

* How to develop your website

* The top 10 internet tips to use and the top 10 traps to avoid

Why This Unique System Is Guaranteed to Put You on the Road to Publishing Success

“In Self Fulfilled – How to be a Self Publisher” Merri and I give away every publishing secret we know to write to sell for a solid income.

Why we’ll add the Self Published Kindle 202 & 303

Our self publishing course is updated regularly.  NBo course on self publishing can remaion val;id for long in this era of rapid change.  The course is based on our actual the trial and error experiences that Merri and I have had for the past 45 years… and continue to have.
We are continually adapting our business as the industry evolves.  Our course helps readers evolve with us.

To help you start, I have created a special offer… our course on how to be a self publisher, our course on how to use the internet and a website in your business  and three bonuses for you.

Bonus #1: Get the 50 minute Video Workshop worth $99 “How to Start Your Own Internet Business” presented by our webmaster David Cross,

Bonus #2: Get FREE, the $299 online course “The Tangled Webs We Weave – How to Have an Internet Business”.  To read more  about this course click here.

Bonus #3: Our Super Thinking Workshop in an MP3 file so you can listen on your computer, burn a disk or listen on you Ipod or in your car. This workshop is a $199 value.

Bonus #4: A special report only available to those who enroll in “Self Fulfilled” entitled  “Three Secrets for Creating Publishing Ideas”.

Save $597 total.

Self Fulfilled Special $299

GUARANTEED. We’ll Accept All the Risk!

We completely guarantee the program.

Order Self Publishing: Your Complete Business Plan for becoming a self publisher and take a full 30 days to put it through its paces. That way you can follow my simple process and start seeing the results for yourself.

If you’re not completely convinced that this information is so powerful that it can help you quickly develop income through writing to sell—all you have to do is let us know and  you’ll receive a complete refund of every penny of your investment.

Fair enough?

Our publishing business has brought us more wealth, satisfaction, fun and friendship than we ever imagined possible. And now we want to share our knowledge and secrets with anyone who has a desire to experience this way of life.

Whether you are an engineer, doctor, housewife, business owner, or retiree… self-publishing offers a way to make a six- or seven-figure income by turning your passion into profit.

Don’t miss this special opportunity. Order Self Fulfilled How to be a Self Publisher today if you want to cash in on the satisfying, profitable and exciting lifestyle that publishing can bring despite and in fact because of trouble in the world.

Self Fulfilled Special $299

Sincerely,

Gary Scott

Or take this course now FREE.

We have four writers camps scheduled for 2014.  The fee is normally $799 or $999 for two.

If you enroll to attend a 2014 writers camp you receive “Self Fulfilled – How to Self Publish 101 – 202 and 303” free, right now.  You save $299.

The writers camps will be conducted :

February 14-15-16  Mount Dora Florida

June 13-14-15   Jefferson, North Carolina

August 30-31-September 1 Jefferson, North Carolina

November 14-15-16 Mount Dora Florida

Set Your Own Date

You do not have to choose which of the camps you attend now.  Enroll now and choose the date best suited your schedule in 2014. Of course, as always if you are in anyway disappointed with “Self Fulfilled- How to be a Self Publisher 303”, you can have a full refund. Try out Self Fulfilled 303 for 30 days.

Enroll now. Choose your 2014 dates later. Save $299.

Our summer and autumn camps last year sold out almost immediately and due to the small numbers we accept we must accept enrollments on a first come – first served basis.

Enroll Here.  Single $799  Couple $999

Gary

Learn more about the online Self Fulfilled – How to be a Self Publisher course here.

Learn more about the Writer’s Camps here.