Tag Archive | "fatca"

Freedom of Global Investing


Our freedom to invest globally has been dramatically reduced in the past two decades.

Happy 4th of July. 

This is a time to give thanks for the fortunate times of freedom we have been born into.

We should celebrate these freedoms we have and have had.

We should also give some pause to the freedoms we have lost, how they were taken and what we can do to overcome the damage.

One great benefit we have gained in the past 50 years is an advancing global economy.

One great loss Americans have suffered is the ability to easily invest in the worldwide commerce.

2018, marks the 50th anniversary of my reporting and speaking about how to live, earn and invest internationally. 

When I began, investing globally was easy.   So I went global.  The mainstream thought this unusual.  Authorities even suggested that investing abroad wasn’t patriotic!

However banking aboard banking aboard was entirely legal (as it is now).  There were no government obstacles created to hinder global banking and investing.

I began in the late 1960s, when the US dollar and US stock market crashed.  Millions of dollar based investors were wiped out.  My investments in Swiss francs, German marks, Japanese and Hong Kong shares skyrocketed.

After investing in Hong Kong, I moved into investing in real estate in Fiji.  That oddly led me to investing in Swiss real estate where we began conducting our first real estate tours.  While living in London, we began conducting London real estate tours, because prices had collapsed in the UK while prices had risen elsewhere.  British property investments then were unusual. However, they have been among the best performing assets in the world since.

That experience helped me spot distortions in the Isle of Man that led to an Isle of Man real estate business as well as seminars on banking in Isle of Man, Switzerland and Austria.

Then the US government created FATCA, an onerous law that imposes US jurisdiction on overseas banks that accepted American customers.  These laws were so strict that most banks stopped accepting most American customers.

FATCA was sold to the American public as a way to cut down on terrorism.   “FATCA increases security”, so the legislature said.

Freedom loving Ben Franklin had something to say about that.

ben franklin

This created huge hardships for Americans living abroad and Americans who want to bank and invest abroad.

A BBC article: “Why expat Americans are giving up their passports” (1) explains how Americans have lost their privacy and financial freedom.

The article asks: “How does it feel to give up your nationality, to renounce the country you were born in, potentially forfeiting the chance to ever return?”

Then it tells the horror story of an American woman who lives in Paris and is renouncing.

She says “I’m very proud of being an American.  It’s what I am when I look in the mirror.   They can take my passport, but I’ll still have a picnic on 4th of July.  I’ll still celebrate Thanksgiving. The only way they’ll stop me being American is if they kill me.  If it weren’t for FATCA  [the Foreign Account Tax Compliance Act] and the decision by the bank, I’d never be doing this. Never ever. It’s just breaking me in half.”

This is because as a US citizen you must file a US tax return and other information returns, if you live abroad.

However, there is a bigger problem.  To make sure that Americans do report their income, US laws force non US banks to report earnings of any American customers they serve.  The red tape involved is so overwhelming that most non US banks deny access to Americans for even basic banking facilities.  It is easier for overseas banks to refuse US citizens than to spend the high costs of reporting and risking hefty US penalties if they do not.

This leaves only one option for many Americans living abroad… to renounce their citizenship.  Even then they can be taxed for years after.

The American freedom to bank wherever we choose has been lost.   This forces most Americans into a trap of low interest rates on savings or the overpriced, high risk US equity markets.

dollar trap

FATCA is part of the great American trap.   Most investors won’t take their money overseas so are trapped into a loss when the  purchasing power of the greenback falls.

Here’s How to Invest Abroad Now:

Fortunately we can still invest globally in three ways.

One way is to invest in overseas equities through US brokers.  The second, is to invest in US based overseas equity, bond or currency funds.  The third, is to use an overseas investment advisor which is SEC registered and who works with overseas banks and will still accept US investors.

Our Purposeful Investing Course (PI)  tracks 42 equity markets, determines which are the best value and which are trending up and which are down.

We have created and track six global good value portfolios that are composed of US ETFs that invest in overseas markets.

One of these portfolios is based on the recommendations in ENR Asset Management’s monthly bulletin (2).  We selected ENR Asset Management as one of the three data sources for Pi because we have worked with them for decades, plus they are one of the few overseas investment advisors (Canadian) who is SEC registered and who works with overseas banks (Swiss and Austrian) that will still accept US customers.

Here was the June 2018 recommendations in ENR’s June 2018 monthly bulletin.

enr asset management

This portfolio has great global diversification and can be held in banks outside the USA.

Learn more about how ENR Asset Management can help Americans retain their freedom to bank and invest abroad from Thomas Fischer at FISCHER@jyskebank.com

Gary

Investing Beyond the Boom

Warren Buffet once warned against the Cinderella effect.

He said “Don’t be fooled by that Cinderella feeling you get from great returns.  Nothing sedates rationality like large doses of effortless money.  After a heady experience of that kind, normally sensible people drift into behavior akin to that of Cinderella at the ball.  They know the party must end but nevertheless hate to miss a single minute of what is one helluva party.  Therefore, the giddy participants all plan to leave just seconds before midnight. There’s a problem, though: They are dancing in a room in which the clocks have no hands.”

Cinderella may have lost a shoe when she fled the party to meet a midnight curfew.  We can lose much more when we rush from a crashing stock market.

Most investors face emotional dangers that build in rising markets.

Almost everyone feels good.

But the he clock of economic reckoning is ticking.

No wants to see it.  Nothing rises forever and especially… not everything at the same time.

Yet no one wants to leave the party until the end.

But many edge closer to the door.

When the clock chimes there could be a stampede even though leaving in a hurry may be the worst way to go.

Here are seven steps that can help avoid this risk.

  • Choose investments based on markets instead of shares.
  • Diversify based on value.
  • Rely on financial information rather than economic news.
  • Keep investing simple.
  • Keep investing costs low.
  • Trade as little as possible.
  • Make the decision process during panics automatic.

One strategy is to invest in country ETFs that easily provide diversified, risk-controlled investments in countries with stock markets of good value.  These ETFs provide an easy, simple and effective approach to zeroing in on value.  Little management and less guesswork is required.  The expense ratios for most ETFs are lower than those of the average mutual funds.  Plus a single country ETF provides diversification equal to investing in dozens, even hundreds of shares.

A minimum of knowledge, time, management or guesswork are required.

The importance of…

easy…

transparent…

and inexpensive. 

Keeping investing simple is one of the most valuable, but least looked at, ways to avoid disaster.  Simple and easy investing saves time.  How much is your time worth?  Simple investing costs less and avoids fast decisions during stressful times in complex situations where we are most likely to get it wrong.

Fear, regret and greed are an investor’s chief problem.  Human nature causes  investors to sell winners too soon, and hold losers too long.

Easy to use, low cost, mathematically based habits and routines help protect against negative emotions and impulse investing.

Take control of your investing.  Make decisions based on data and discipline, not gut feelings.  The Purposeful investing Course (Pi) teaches math based, low cost ways to diversify in good value markets and in ETFs  that cover these markets.  This course is based on my 50 years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy Repeated Wealth With Pi

Pi’s mission is to make it easy for anyone to have a strategy and tactics that continually maintain safety and turn market turmoil into extra profit.

One secret is to invest with a purpose beyond the immediate returns.  This helps create faith in a strategy that adds stickiness to the plan.

Another tactic is to invest with enough staying power so you’re never caught short.

Never have to sell depressed assets during periods of loss.

Lessons from Pi are based on the creation and management of Model Portfolios, called Pifolios.

The success of Pifolios is based on ignoring economic news (often created by someone with vested interests) and using financial math that reveals deeper economic truths.

One Pifolio covers all the good value developed markets.  Another covers the emerging good value markets.

The Pifolio analysis begins with a continual research of 46 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

This is a complete and continual study of almost all the developed major and emerging stock markets.

This mathematical analysis forms the basis of a Good Value Stock Market Strategy.   The analysis is rational, mathematical and does not worry about short term ups and downs.

This strategy is easy for anyone to follow and use.  Pi reveals the best value markets and provides contacts to managers and analysts and Country Index ETFs so almost anyone can create and follow their own strategy.

The course examines and regularly reports on the hows and whys of seven professionally managed portfolios so we can learn how managers find and invest in good value.  The Pifolios are:

  • Keppler Good Value Developed and Emerging Market Pifolios
  • State Street Global Advantage Emerging & Developed Market Pifolios
  • Gold & Silver Dip Pifolio
  • ENR Advisory Extra Pifolio
  • Tradestops.com Trailing Stops Pifiolio

tradestops

As you can see in this image (click to enlarge) the top performing Pifolio we are tracking is the State Street Global Advantage Pifolio was up 43.15%.  Here is the breakdown of that current Pifolio.

pifolio

Learn how to invest like a pro from the inside out.

State Street is one of the largest fund managers in the world and their Global Advantage funds invest in good value shares in good value markets.

In the updates we review each portfolio, what has been purchased and sold, why, the ramifications for high risk, medium risk and low risk investors.

At the beginning of 2018 my personal Pifolio is based on select ETFs in the Keppler Developed and Emerging markets.  My Pifolio is invested in Country ETFs that cover seven developed and three emerging markets:

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

Don’t give up profit to gain ease and safety!

This portfolio has outperformed the US market (S&P 500) in 2017 as the chart below shows.

My portfolio blue.  S&P 500… green.

Screen Shot 2018-06-04 at 7.39.15 AM

Regardless of economic news, these markets represent good value and have been chosen based on four pillars of valuation.

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

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

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

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

You also receive two special reports.

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

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

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

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

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

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

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

Plus get the $39.95 report “The Silver Dip 2018” free.

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

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

I have updated this report and added how to use the Silver Dip Strategy with platinum.   The “Silver Dip 2017” report shares the latest in a series of long term lessons gained through 40 years of speculating and investing in precious metals.  I released the 2015 report, when the gold silver ratio slipped to 80.  The ratio has corrected and that profit has been taken and now a new precious metals dip has emerged.

I have prepared a new special report “Silver Dip 2018” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.

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

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

The sooner you hear what I have to say about current markets, the better you’ll be able to cash in on perhaps the best investing opportunity since 1982.

seminars

Tens of thousands have paid up to $999 to attend.

This year I celebrated my 50th anniversary of writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

Stock and currency markets are cyclical.  These cycles create extra profit for value investors who invest when everyone else has the markets wrong.  One special seminar session looks at how to spot value from cycles.  Stocks rise from the cycle of war, productivity and demographics.  Cycles create recurring profits.  Economies and stock markets cycle up and down around every 15 to 20 years as shown in this graph.

stock-Charts

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

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

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

Details in the online seminar include:

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

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

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

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

keppler asset management chart

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

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

Learn how much leverage to use.  Leverage is like medicine, the key is dose.  The best ratio is normally 1.6 to 1.  We’ll sum up the strategy; how to leverage cheap, safe, quality stocks and for what period of time based on the times and each individual’s circumstances.

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

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

I have good news about the cost of the seminar as well.   For almost three decades the seminar fee has been $799 for one or $999 for a couple. Tens of thousands paid this price, but online the seminar is $297.

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

Save $468.90 If You Act Now

Subscribe to the first year of The Personal investing Course (Pi).  The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription.  Plus you receive FREE the $29.95 report “Three Currency Patterns for 50% Profits or More”, the $39.95 report “Silver Dip 2018” and our latest $297 online seminar for a total savings of $468.90.

ecuador-seminar

Triple Guarantee

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

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

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

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

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

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

Subscribe to Pi now, get the 130 page basic training, the 120 page 46 market value analysis, access to over 100 previous Pifolio updates, the “Silver Dip 2018” and “Three Currency Patterns For 50% Profits or More” reports, and value investment seminar, plus begin receiving regular Pifolio updates throughout the year.

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

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

Gary

 

 

 

 

 

(1) http://www.bbc.com/news/35383435

(2) Click here to read the 14 page ENR Market Outlook (JUNE 2018)

enr

The Great American $ Trap


There is a growing risk that American investors will see their savings and investments trapped in a downward spiral.  Two economic shifts could snare our savings in a dangerous dollar based system.  Regulations can make it difficult to get them out.

dollar trap

Our savings may be trapped in dangerous dollars. Ouch!

Recently a reader sent me this note from Ecuador.

We are finding out the hard way that there may be a requirement none of us knew: that expats are obliged to file information on their finances with the tax agency if they bring more than $10K into the country.  Do you think Andres would be willing to clarify this please?

We asked our friend and Ecuador attorney, Dr. Andres Cordova, and he sent this reply:  You can bring $10,000 or over in cash when you enter Ecuador. However, you will need to declare that you are bringing any such amount in the customs form. In that case authorities will require you to justify the origin of such funds in an expanded form. For example, you can say it’s part of your life savings or that you just sold your car, etc. Having some document to back things up would help.

If you declare the funds and justify/explain their origin in the expanded form there should not be any problem, otherwise, they may be seized. This is basically for money laundering control purposes. It is common in many other countries.

If you have a bank account in Ecuador, perhaps it’s better if you just transfer the money to such account from abroad.

BTW, under FACTA local banks are requiring that you execute a release form waiving banking secrecy so the local bank may share your information with the Federal Reserve.

If you transfer funds from Ecuador abroad there will be a 5% exit tax withholding on amounts over $1,000.  If you have any questions let me know. I am always glad to help.  Best, Andrés

You can reach Dr. Cordova, an Ecuador attorney we have used for almost 20 years at acordova@gcabogados.com

I highlighted the sentence about Ecuador banks waiving bank privacy because this is a problem for US persons banking anywhere outside the USA.

A BBC article “Why expat Americans are giving up their passports” (1) explains how Americans have lost their privacy and financial freedom, not just in Ecuador but almost everywhere.

The article asks: How does it feel to give up your nationality, to renounce the country you were born in, potentially forfeiting the chance to ever return?

Then it tells the story of an American women who lives in Paris but says “I’m very proud of being an American. It’s what I am when I look in the mirror.   They can take my passport, but I’ll still have a picnic on 4th of July, I’ll still celebrate Thanksgiving. The only way they’ll stop me being American is if they kill me.”

Despite such loyalty, a record 4,279 people renounced their US citizenship in 2015.

This is because as a US citizen you must file a tax return, no matter where you live, and often pay US taxes on top of the tax you already pay in your country of residence.  Americans abroad do get a tax exemption on the first $106,000 of tax paid and a tax credit on overseas tax, before double taxation kicks in, so not all Americans face double tax.

There is a bigger problem. To make sure that Americans do report their income, US laws force non US banks to report earnings of any American customers the serve.  The red tape involved is so overwhelming that most non US banks deny access to Americans for even basic banking facilities.  It is easier for overseas banks to refuse US citizens rather than spend the high costs of reporting and run the risk of hefty penalties if they do not.

This leaves the only option for many Americans to renounce their citizenship.  Even then they can be taxed for years after.

Americans have been set up for a one-two financial punch.   Zero interest rates on savings leave few options except high risk equity markets, but when they fall, as they are now, there is no place to go.

FATCA is part of the great American trap.   You cannot earn interest in the US dollar. You cannot take your money overseas so are trapped when the  purchasing power of the greenback falls.  Double ouch!

Learn ways to escape this trap in the Personal investment Course (Pi).

Gary

(1) http://www.bbc.com/news/35383435

Investing Beyond the Boom

Warren Buffet once warned against the Cinderella effect.

He said “Don’t be fooled by that Cinderella feeling you get from great returns.  Nothing sedates rationality like large doses of effortless money.  After a heady experience of that kind, normally sensible people drift into behavior akin to that of Cinderella at the ball.  They know the party must end but nevertheless hate to miss a single minute of what is one helluva party.  Therefore, the giddy participants all plan to leave just seconds before midnight. There’s a problem, though: They are dancing in a room in which the clocks have no hands.”

Cinderella may have lost a shoe when she fled the party to meet a midnight curfew.  We can lose much more when we rush from a crashing stock market.

Most investors face emotional dangers that build in rising markets.

Almost everyone feels good.

But the he clock of economic reckoning is ticking.

No wants to see it.  Nothing rises forever and especially… not everything at the same time.

Yet no one wants to leave the party until the end.

But many edge closer to the door.

When the clock chimes there could be a stampede even though leaving in a hurry may be the worst way to go.

Here are seven steps that can help avoid this risk.

  • Choose investments based on markets instead of shares.
  • Diversify based on value.
  • Rely on financial information rather than economic news.
  • Keep investing simple.
  • Keep investing costs low.
  • Trade as little as possible.
  • Make the decision process during panics automatic.

One strategy is to invest in country ETFs that easily provide diversified, risk-controlled investments in countries with stock markets of good value.  These ETFs provide an easy, simple and effective approach to zeroing in on value.  Little management and less guesswork is required.  The expense ratios for most ETFs are lower than those of the average mutual funds.  Plus a single country ETF provides diversification equal to investing in dozens, even hundreds of shares.

A minimum of knowledge, time, management or guesswork are required.

The importance of…

easy…

transparent…

and inexpensive. 

Keeping investing simple is one of the most valuable, but least looked at, ways to avoid disaster.  Simple and easy investing saves time.  How much is your time worth?  Simple investing costs less and avoids fast decisions during stressful times in complex situations where we are most likely to get it wrong.

Fear, regret and greed are an investor’s chief problem.  Human nature causes  investors to sell winners too soon, and hold losers too long.

Easy to use, low cost, mathematically based habits and routines help protect against negative emotions and impulse investing.

Take control of your investing.  Make decisions based on data and discipline, not gut feelings.  The Purposeful investing Course (Pi) teaches math based, low cost ways to diversify in good value markets and in ETFs  that cover these markets.  This course is based on my 50 years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy Repeated Wealth With Pi

Pi’s mission is to make it easy for anyone to have a strategy and tactics that continually maintain safety and turn market turmoil into extra profit.

One secret is to invest with a purpose beyond the immediate returns.  This helps create faith in a strategy that adds stickiness to the plan.

Another tactic is to invest with enough staying power so you’re never caught short.

Never have to sell depressed assets during periods of loss.

Lessons from Pi are based on the creation and management of Model Portfolios, called Pifolios.

The success of Pifolios is based on ignoring economic news (often created by someone with vested interests) and using financial math that reveals deeper economic truths.

One Pifolio covers all the good value developed markets.  Another covers the emerging good value markets.

The Pifolio analysis begins with a continual research of 46 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

This is a complete and continual study of almost all the developed major and emerging stock markets.

This mathematical analysis forms the basis of a Good Value Stock Market Strategy.   The analysis is rational, mathematical and does not worry about short term ups and downs.

This strategy is easy for anyone to follow and use.  Pi reveals the best value markets and provides contacts to managers and analysts and Country Index ETFs so almost anyone can create and follow their own strategy.

The course examines and regularly reports on the hows and whys of seven professionally managed portfolios so we can learn how managers find and invest in good value.  The Pifolios are:

  • Keppler Good Value Developed and Emerging Market Pifolios
  • State Street Global Advantage Emerging & Developed Market Pifolios
  • Gold & Silver Dip Pifolio
  • ENR Advisory Extra Pifolio
  • Tradestops.com Trailing Stops Pifiolio

tradestops

As you can see in this image (click to enlarge) the top performing Pifolio we are tracking is the State Street Global Advantage Pifolio was up 43.15%.  Here is the breakdown of that current Pifolio.

pifolio

Learn how to invest like a pro from the inside out.

State Street is one of the largest fund managers in the world and their Global Advantage funds invest in good value shares in good value markets.

In the updates we review each portfolio, what has been purchased and sold, why, the ramifications for high risk, medium risk and low risk investors.

At the beginning of 2018 my personal Pifolio is based on select ETFs in the Keppler Developed and Emerging markets.  My Pifolio is invested in Country ETFs that cover seven developed and three emerging markets:

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

Don’t give up profit to gain ease and safety!

This portfolio has outperformed the US market (S&P 500) in 2017 as the chart below shows.

My portfolio blue.  S&P 500… green.

Screen Shot 2018-06-04 at 7.39.15 AM

Regardless of economic news, these markets represent good value and have been chosen based on four pillars of valuation.

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

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

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

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

You also receive two special reports.

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

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

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

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

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

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

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

Plus get the $39.95 report “The Silver Dip 2018” free.

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

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

I have updated this report and added how to use the Silver Dip Strategy with platinum.   The “Silver Dip 2017” report shares the latest in a series of long term lessons gained through 40 years of speculating and investing in precious metals.  I released the 2015 report, when the gold silver ratio slipped to 80.  The ratio has corrected and that profit has been taken and now a new precious metals dip has emerged.

I have prepared a new special report “Silver Dip 2018” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.

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

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

The sooner you hear what I have to say about current markets, the better you’ll be able to cash in on perhaps the best investing opportunity since 1982.

seminars

Tens of thousands have paid up to $999 to attend.

This year I celebrated my 50th anniversary of writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

Stock and currency markets are cyclical.  These cycles create extra profit for value investors who invest when everyone else has the markets wrong.  One special seminar session looks at how to spot value from cycles.  Stocks rise from the cycle of war, productivity and demographics.  Cycles create recurring profits.  Economies and stock markets cycle up and down around every 15 to 20 years as shown in this graph.

stock-Charts

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

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

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

Details in the online seminar include:

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

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

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

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

keppler asset management chart

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

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

Learn how much leverage to use.  Leverage is like medicine, the key is dose.  The best ratio is normally 1.6 to 1.  We’ll sum up the strategy; how to leverage cheap, safe, quality stocks and for what period of time based on the times and each individual’s circumstances.

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

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

I have good news about the cost of the seminar as well.   For almost three decades the seminar fee has been $799 for one or $999 for a couple. Tens of thousands paid this price, but online the seminar is $297.

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

Save $468.90 If You Act Now

Subscribe to the first year of The Personal investing Course (Pi).  The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription.  Plus you receive FREE the $29.95 report “Three Currency Patterns for 50% Profits or More”, the $39.95 report “Silver Dip 2018” and our latest $297 online seminar for a total savings of $468.90.

ecuador-seminar

Triple Guarantee

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

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

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

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

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

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

Subscribe to Pi now, get the 130 page basic training, the 120 page 46 market value analysis, access to over 100 previous Pifolio updates, the “Silver Dip 2018” and “Three Currency Patterns For 50% Profits or More” reports, and value investment seminar, plus begin receiving regular Pifolio updates throughout the year.

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

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

Gary

 

 

 

 

 

eMail Reveals Overseas Banking Concerns For 2014


There are growing 2014 overseas bank concerns for Americans as the email below shows.

Last month I shared a US dollar recap and how it is important to live in one country, bank in a second country and invest in at least three currencies.

During the past 40 years, the US has slowly eroded the ability of Americans to bank outside the USA.   This effectively locks the savings of most Americans into the US dollar which has lost almost 95% of its value against other major currencies in these four decades.

Now as this email thread between me and my Ecuador attorney shows it is becoming harder for even for Americans who live abroad to bank overseas.

Get a full report on how to bank in Denmark, how to have the savings managed from Canada and have access to funds via ATM or wire transfer almost anywhere in the world. Order the report here $79  Multi Currency Report

Save $79.  Join the Ecuador Living Club $119 and receive this report FREE. Save $79.

Enroll in the Ecuador Living Club $119.

On October 7, I wrote to my Ecuador attorney:

Mensaje original—–
De: Gary Allen Scott [mailto:gas@garyascott.com] Enviado el: lunes,
07 de octubre de 2013 9:52
Asunto: FATCA

Have you heard more about how Ecuador banks will respond to the FACTA regulations that come into effect in 2104?

On Oct 7, 2013, at 5:05 PM, my attorney wrote:

Hola Gary,  Let me check to see if there is any additional / new info on this.  I  trust to send you my comments by tomorrow at latest.  Very few people, even in the banking sector are actually aware of this.  Take care,

I replied: —–Mensaje original—–

De: Gary Allen Scott [mailto:gas@garyascott.com] Enviado el: lunes, 07
de octubre de 2013 17:30
Asunto: Re: FATCA

Because some Ecuador banks have US branches they are vulnerable to US pressure.

On Oct 7, 2013, at 6:31 PM my attorney wrote:

I am wondering what will be the ultimate position of the Government of President Correa on this. There would first need to be legal changes for Ecuadorian banks to be able to fall in compliance with FATCA and I am not seeing them coming (yet).

President Correa is very nationalistic and frowns on encroachment or demands from other countries so I see it difficult that he would allow this to pass.  I am checking.

The legal adviser to President Correa is somewhat of a friend. I will send him a note to see if he has anything to say.

I am checking with friends on a top positions on a couple of banks. I will let you know.  All the best,

I replied: —–Mensaje original—–
De: Gary Allen Scott [mailto:gas@garyascott.com]
Enviado el: lunes, 07 de octubre de 2013 17:46
Asunto: Re: FATCA

This extra territorial jurisdiction is terrible and it is amazing that the world lets America get away with this but the way they made the Swiss cave in is first to seize assets of Swiss banks in the US and the second actually arrest Swiss bankers as they came into America.

The way I see this happening is that #1: some American criminals either involved in drugs or terrorism or a US tax evader would turn out to have an Ecuador bank account.

#2: The US would demand that the Ecuador bank would turn over information.

#3: The Ecuador bank would refuse as providing the data and or assets would be against Ecuador law.

#4: The US would fine the Ecuador bank and seize assets at one of the US subsidiaries of the bank until they complied.

#5: The bank would put pressure on Correa to change the law.

#6: Then the Ecuador banks would have to provide a list of all US citizens holding accounts.

This is what happened with Switzerland.

On Oct 7, 2013, at 7:08 PM my attorney wrote:

Agree…. or Ecuadorian banks may stop opening accounts for US citizens to avoid the troubles…

From: Gary Allen Scott <gas@garyascott.com>
Date: October 7, 2013 7:14:21 PM EDT
Subject: Re: FATCA

This is what most banks in many other countries have done.

On Oct 9, 2013, at 1:08 PM my attorney wrote:

Hola Gary,  Yesterday I spoke with a friend of mine who is a former manager in a large Ecuadorian bank. He told me that this bank was going to get/seek  a release from their US customers when the time comes in order to  comply with FATCA. It is possible that other banks will do the same. They will need to get a release from their US clients so as to be able to comply with FATCA reporting. It is evident that pretty much every bank in the world has too much riding on this and will feel inclined to comply.

I see some US expats here getting around well enough through ATMs. Then again, their funds need to be in a bank somewhere. Best regards,

I replied: —–Mensaje original—–
De: Gary Allen Scott [mailto:gas@garyascott.com]
Enviado el: miércoles, 09 de octubre de 2013 12:36
Asunto: Re: FATCA

Thanks.  We have a program where people living in Ecuador can have funds held in Denmark, one of the five safest banking centers in the world at 2nd largest Danish Bank.   This bank is also a specialist in multi currency accounts and the funds are managed from Canada (Denmark and Canada are two of the safest banking centers in the world).    A Visa debit card is issued by the bank so that cash available through ATMs and or wire transfer to anywhere in the world.

Bank customers can have their Social Security and pension payments wired directly to the Danish bank so it becomes easy for them to hold assets in a really safe country but spend anywhere.

This is the way we have always done this in Ecuador after we lost $11,000 (we had $30,000 in an Ecuador acct and were paid back $19,000) during the bank shutdown.

This gives a safer bank and avoids the 5% exit tax, plus stops any exposure of a clients assets to Ecuador government in case they decide to increase tax on expat income.

There is greater privacy and asset protection as well because Danish banking has privacy regulations plus no law suit abroad can be enforced in Denmark without a trial in Denmark under Danish law.

Gary

Get a full report on how to bank in Denmark, have the savings managed from Canada and have access to funds via ATM or wire transfer almost anywhere in the world. Order the report here $79  Multi Currency Report

Save $79.  Join the Ecuador Living Club $119 and receive this report FREE.

Enroll in the Ecuador Living Club $119.

 

International Banking: More Facts on FATCA


See more facts on International Banking and FATCA below.

les-share

Long time friend, Les Share, has advised clients in numerous and diverse areas such as Broadway theatrical productions, real estate like-kind exchanges, and Internet matters. He speaks at various U.S. and Caribbean seminars on subjects ranging from Florida and offshore trust law, advanced asset protection techniques, U.S. tax treaties, representing a foreign investor in an Internal Revenue Service audit, the role of the Internet in U.S. tax planning, and preferred structures for U.S. persons investing overseas and engaging in foreign business activities.

Americans have an international banking problem.  US legislation has made it so difficult for overseas banks to comply with American regulations (which they must, if they have customers who are US citizens or residents) that most international banks.. ie. non US banks have (or will) stopped accepting Americans as customers.

Our recent message Two International Banking Updates, on international banking updates looked at the even tougher new FATCA regulation that was scheduled to kick in eighteen months from now in 2013.  The message pointed out that the activation date has been reset for 2014.

Our long time friend, Leslie Share, who is an attorney specializing in international business and banking sent me this note about FATCA.

Hi Gary—I hope all is well in North Carolina.  To follow up on your newsletter of today Two International Banking Updates, as I’m sure you know, the WSJ reported today that HSBC is the latest bank to offload all of its wealthy US customers’ foreign accounts. The IRS has now effectively destroyed many of the legitimate opportunities for US persons to use offshore institutions to invest, hold and protect assets through its witch hunt against the noncompliant. Therefore, your continuing offshore financial connections become more unique and valuable every day.

I have been representing quite a few of the bad boys and girls who didn’t report and elected to enter either the 2009 voluntary compliance program or the current one with the August 31st deadline. The monetary penalties are huge, unless there was no income at all or no US-source income and full compliance in the income source country. However, a lot of people have decided that peace of mind and being able to sleep at night are worth giving Uncle Barack 50% or more money.

FATCA was delayed because of the international uproar—even the IRS admitted that it wasn’t prepared to handle the compliance process under the original schedule. The expense and complexity of the FATCA program as contemplated are staggering, and the worldwide financial community doesn’t want to have to pass on these costs to its customers. It will be curious to see if FATCA is ever implemented as originally contemplated.

Please also note that to be more specific, in lieu of the regularly applicable penalty (among others) equal to 25% of the highest aggregate balance in foreign bank accounts/entities or value of foreign assets during the period covered by the voluntary disclosure (which is generally 2003-2010), a reduced penalty may apply in certain limited circumstances:

1. “Clean” offshore accounts that were inherited or received as gifts from others and remained virtually untouched after receipt–5%;

2. “Accidental citizens” who were born in the US but have lived abroad and weren’t aware of their US citizenship status–5%;

3.  Foreign residents who: (a) resided in a foreign country for all of the disclosure years in question; (b) timely complied with all tax reporting and payment requirements in that country; and (c) had $10,000 or less of U.S. source income each year–5%.  For these taxpayers only, the offshore penalty will not apply to non-financial assets, such as real property, business interests, or artworks, purchased with funds for which the taxpayer can establish that all applicable taxes have been paid, either in the US or in the country of residence.  This exception only applies if the income tax returns filed with the foreign tax authority included the offshore-related taxable income that was not reported to the IRS.

4. Less than $75,000 at all times during the disclosure period of total unreported offshore accounts and assets that were either acquired with untaxed funds or produced untaxed income –12.5%.

In addition, if a taxpayer participated in the 2009 IRS program (where the 25% penalty described above was instead almost always 20%), but would be subject to a 5% or 12.5% penalty under the 2011 program, the taxpayer may choose to have their case reopened and possibly be entitled to a refund of the difference.

Best regards to you and Merri.

Anyone who has questions can reach Leslie at las@pnrlaw.com

How to Earn More

Whether you stay in the US… or move to Ecuador you may want to earn more.  You’ll certainly want something to do.  This is why we are developing our turnkey earning program.  These strict regulations create extra earning potential for those who join the Jyske Global Asset Management’s (JGAM) referrer program.  Jyske Bank Denmark’s second largest Danish bank and its independent subsidiary JGAM are committed to serving American customers through these difficult times and we are working with them to help get the word out. We have used Jyske and JGAM ourselves for over 20 years. We have created a program so subscribers can become JGAM Introdcuer  with the normal process of visiting Denmark.

Thomas Fischer Senior VP at JGAM just sent this note. Bolds are mine.

Hi Gary,  When I get requests for further information about the agreement I let them know about the savings of signing up for your seminars.

It is of course not a JGAM requirement that introducers take your course to become an Introducer.  However if they don’t, they have to come to Copenhagen as part of the due diligence process. This can be avoided by participating at your seminar as I will be at the seminar. I can certify documents there.  The cost for the seminar and on-line course is probably much cheaper than flying to Copenhagen and staying at a hotel!

I suggest that interested introducers request documents from me and scan answers in these documents in an email (or fax a copy). We can then get them started and iron out any issues before the seminar. The delegate can then hand over the revised forms (we need these with the original signature) at the seminar.

On the introducer day (at our farm after our seminar) we will then go through background information about JGAM and remuneration. I will also go through FAQ and we can open up to a Q & A session. You can talk about your ideas and being part of your network exchanging ideas how to get prospects for JGAM.

When back in the office, I will brief the other JGAM about the day and the potential introducers and we will then make the decision whether we accept an introducer.   Having participated at your seminar the introducer will therefore not be required to come to Copenhagen.

I look forward to being part of this exciting program.

Thomas

Salinas Rental

Many readers have been moving away from the US for more adventure… better weather…  and a lower cost of living. Do not ignore the US tax regulations. Even though you live abroad, even though you may not owe any US tax you must still file a US tax return.  Plus the day may come when your bank… wherever it is… in Ecuador… in Mexico, Panama… already in England reports your earnings to the IRS.

If you are moving to Ecuador or wherever, we recommend you rent first. Make sure your choice is the place you really want to be.

Gary

Two Days of our July Special Left

We have started a program to help our readers create their own micro business working with these businesses as referrers, dealers and distributors.

What a match… tens of thousands of readers, many wanting to earn globally… meeting some great… really unique global businesses tied together with our communication system that can bring all this: training…. communicating and networking.

We are starting with these five businesses first.

#1: Jyske Global Asset Management  (JGAM)
#2: Bio Wash
#3: Candace Newman Essential Oils
#4: Roses
#5: Ecuador Imbabura Export Products

After attending our International Business and investing seminar on October 7-8-9, you will be qualified to enroll for referrer, distributor and dealer programs above and any others we develop. 

Enrolling in any of our online business development courses and attending one seminar provides full qualification to apply for all programs we provide for a year.

I’ll explain the first specific way you can tap into greater power for everlasting health and wealth in a moment.

First, may I remind you of  our July special that ends in just over two days?

We provide three e-courses that can help you develop your own micro business that we designed to help you earn anywhere you live in the world.

International Business Made EZ ($299)

Self Fulfilled – How to be a Self Publisher ($499)

Event – Full How to Earn With  Your Own Seminars ($349)

July Special.

Enroll before midnight July 24, 2011 for our October International Business & Investing Seminar (plus Frequency Modulation Workshop),   October 7, 8, 9, 2010 in the Blue Ridge Mountains of NC and choose any one of the three courses above for FREE.  You Save between $299 and $499.

Early enrollment for our October 7-9 North Carolina Course click here for details.

We have started the beta program, and the good news is that we are not charging a penny more more.  Our International Business Made EZ online course and our International Business Made EZ seminars remain the same price though we’ll now offer subscribers an entrance to doing business with many turnkey businesses.

The overall service can bring you the following benefits:

#1: Connect you via our our online course “International Business Made EZ” to here and now specific business opportunities.

#2: Keep you in touch with other readers in the program, share business tips, ideas contacts and even website support in some instances.

Our first turnkey business program is Jyske global Asset Management because our activities as publishers has a synchronicity with Jyske and JGAM.   We have been able to combine our training, communications and lead generation abilities with their financial organization.

Business is always a little more complicated when it entails financial products so we have created a beta program to develop this system.

A referrer does not have to be a registered as an investment adviser but JGAM does have a due diligence requirement. JGAM will also expect a certain amount of referrals per year though this amount has not been determined… hence this beta offer.

JGAM pays a percentage of their fee to the referrer up to a maximum 25% of their fee. This not only offers an excellent income generating opportunity but creates a potential long term income stream because JGAM keeps paying the fee as long as the client remains a client. Fees are paid on a quarterly basis.

There is also potential for growing long term income because JGAM pays the referrer based on the total assets under management.  If a referred client makes additional payments, the referrer will be paid on the total amount.

For example if an referrer refers a client who invests a minimum $100,000 and the annual fee is 2%, the referrer earns $500 per annum basic fee (as long as the customer remains with JGAM)… plus if the assets grow either through portfolio growth or added deposits… so too does the referrer’s fee.

We have set our first training JGAM training session for October 10, 2012.

This program will allow subscribers to any of our  online courses who have attended an International Business Made EZ seminar to become referrers for JGAM.

We have been working with Jyske Bank for over 20 years and Jyske Global Asset Management, a Jyske Bank wholly owned subsidiary. We started talking to Thomas Fischer Senior VP about an referral program for some time.  Finally,we introduced this opportunity for the first time at our June 2011 seminar.  The response was overwhelming.

Jyske Bank employs a staff of about 4,000 and operates 116 Danish branches, which makes it the second largest independent Danish bank. They offer a full range of financial solutions to retail as well as small and medium-sized corporate clients.

We have always liked Jyske because they are one of Europe’s largest currency traders and offer very simple but sophisticated multi currency investing services.  They are one of Europe’s largest currency traders and dealers.

We have especially enjoyed our business relation with Jyske because being open and honest is one of the core values of the bank group. Traditionally, Jyske formulates and communicates its values – and the way they understand and live by them – to the surrounding world. They work hard offering shareholders, customers and employees balanced opportunity.

We especially like the fact that Jyske employees are not paid bonuses.  No multi million pay outs are in the system that might temp staff to distort earnings or take undue risks.

Here is how you can apply for this program.

To start as a referrer,  there is first the compliance process with Jyske Bank.

Once that process is complete, our IBEZ system helps educate and assist referrer.

First… once a referrer has been approved by JGAM, and the referrer has completed our online course International Business Made EZ course and attended one of our  international investing and business seminars they can attend an exclusive training seminar at our farm.

We have a…

little-horse-creek

creekside…

little-horse-creek

seminar hall where…

little-horse-creek

unless the group grows too large, we’ll meet.   We’ll have lunch  on the deck looking over Little Horse Creek.

JGAM and our company conduct this one day intensive training for agents the day after each International Investing and Business seminar.

The first such seminar will be conducted Monday, October 10, 2011 immediately after our October 7-8-9 International Investing and Business Seminar in West Jefferson, North Carolina.

Part of the JGAM program is designed so we can assist referrers by referring readers in their locale to them.  So for example if a referrer is in Miami, we will send special emails to our readers in that area, help organize mini seminars… etc.

We can zero in as close as 20 miles to a location so for example we can send a separate email to every reader within 20 miles of the address of a referrer.  And although we won’t release the names in that area, we can send them a note of the opportunity.

We will also provide a referrer communication forum and update training as well as portfolio and investing ideas.  We have general plans at this stage but find the best way to develop systems is to refine through action. We expect our beta program this year to clarify how we can best help our readers become referrers and how we can help them succeed.

Step one is to start the compliance process with JGAM.  Thomas Fischer  can send you the Introducer Questionnaire and Terms of Business.

Thomas Fischer’s email is fischer@jgam.com

This will begin the process of establishing a relationship with JGAM.  Once this relation is approved and verified, then you will be able to enroll in the referrer training.

You must complete one of the online business development courses above and attend an International Business and Investing Seminar to be eligible for the October training.

All of our readers are invited to enroll in our International Business Made EZ Online Course and our International Business and Investing Seminar at any time.

Satisfaction Guaranteed.  Three Guarantees.

There is no guarantee that JGAM will approve your application as a referrer just because you enroll in the seminar or take the online course so we make two special guarantees.

First Guarantee. Regarding the online course International Business Made EZ.  Enroll in this course. Take it and if you are not satisfied for any reason within 30 days… let us know and we’ll give you a full refund.

Second Guarantee. Enroll in our October 7-8-9 International Business & Investing Seminar.  I’ll send you a recording of the June seminar now so you better understand what these seminars are and how they help you.  If you are not happy with what you hear, let us know within 30 days and we’ll give you a full refund. You keep the recorded seminar as our thanks.

Third Guarantee.  Your earnings potential has this guarantee.  First, any time between now and October… before you attend the International Business and Investing seminar if you fail to qualify as a JGAM referrer agent or change your mind before attending the International Business and Investing seminar you can ask for a full refund.

Get more details about the online course and bonuses at International Business Made EZ.