Tag Archive | "Inflation"

Part 6 – Why Half of America Can’t Sleep at Night


Money is the biggest cause of stress in America today.

According to an American Psychological Association poll, despite the ongoing economic recovery, money worries continue to create too much stress.  Nearly three out of four adults reported feeling stressed about money at least some of the time. Financial worries served as a significant source of stress for 64 percent of adults in 2014, ranking higher than three other major sources of stress: work (60 percent), family responsibilities (47 percent), and health concerns (46 percent).

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Clear thinking is the root of all wealth. Image from dreamsline.com

The association found that Americans are too stressed for good health and the problem is compounded because stress  interferes with clear thinking.  Poor decisions, eroding memory and cognitive difficulties reduce the odds of making good financial and life decisions.

Why does stress damage?

According to the Sciencedaily.com article “How stress influences disease” (1), stress leads to inflammation and there is a clear link between stress, reduced decision making and clarity of thought.

Stress wreaks havoc on the mind and body. Until now, it has not been clear exactly how stress influences disease and health. Now researchers have found that chronic psychological stress is associated with the body losing its ability to regulate the inflammatory response. The research shows for the first time that the effects of psychological stress on the body’s ability to regulate inflammation can promote the development and progression of disease.

Inflammation, in turn is a pivotal player in such diverse brain conditions as Alzheimer’s disease, multiple sclerosis, Parkinson’s disease and even autism.

This problem grew worse in 2014 because of inflation.

When money became worth less at the grocery store there was an increase in American stress.

Americans noticed that they were paying more for almost everything.  They started to cut back even though the economy was rising.  The economic growth was helping top earners but not the middle class and poor.

They changed their spending habits, tried to do more local errands in one day so they could cut down on trips.  They tried to consolidate things as higher costs for food and gas hit their budgets.

Americans began to sacrificed things, like not doing an ice cream runs during the week with the kids.

At the grocery store, meat, dairy and fruit prices were all up substantially. People are even paying more for lattes at their local coffee shops.

This created more stress.

“Money is a very important component of establishing a secure life,” said Norman Anderson, CEO and executive vice president of the American Psychological Association. “When people are financially challenged, it makes sense that their stress level would go up.”

Inflation is raising its ugly head again so fight fire with fire. 

Watch for Inflation.  Monitor the US dollar index.  Spot good value investments that are worth more due to an overly strong US dollar.

Rare, long term economic cycles can help us see distortions and future trends such as the over bought US dollar.

The chart below from the September 29, 2018 New York Times article, “The Mini-Recession That Many Missed” (2) shows how the 2014 inflation caused the US dollar to rise in 2015.

nyt.com

The article explained: There was a sharp slowdown in business investment, caused by an interrelated weakening in emerging markets, a drop in the price of oil and other commodities, and a run-up in the value of the dollar.

The Federal Reserve, seeing the United States economy looking healthy, started ending its era of ultra-easy monetary policy.

As the Fed moved toward tighter money, its counterparts at the European Central Bank and the Bank of Japan were going in the opposite direction. The prospect of higher interest rates in the United States and lower rates in the eurozone and Japan fueled a steep rise in the value of the dollar on global currency markets.

We can see the 2014 rise in the US dollar in this chart of a US dollar. Index Futures ETF.

yahoo.com

The U.S. Dollar Index (USDX, DXY, DX) shows the US dollar relative to this basket of foreign currencies:red to other currencies.

Euro (EUR), 57.6% weight
Japanese yen (JPY) 13.6% weight
Pound sterling (GBP), 11.9% weight
Canadian dollar (CAD), 9.1% weight
Swedish krona (SEK), 4.2% weight
Swiss franc (CHF) 3.6% weight

Since then, when the greenback gained strength in 2015, the index has been hovering around 100.

The 100 mark is significant due to its rarity.  A look at a long term chart of the index shows it has only breached this barrier four times since 1967.

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This suggests that its a better than normal time to use US dollars to buy shares in non dollar markets.

When the dollar index weakens… as it will, investors will flow out of US markets into markets abroad.  This creates double profit for non dollar share investors.  The inflow of investments pushes share prices up.  Higher non dollar currency parities make shares worth more in US dollars.

Invest in good value non dollar markets.  This is easy, because long term studies suggest that all top value equity markets right now, are non dollar stock markets.

Keppler Asset Management’s last market valuation shows that the Top Value Developed Markets are selling at less than half (1.50 vs 3.29) the book value of the US market.

keppler asset management

This may be a long term investment.  The US dollar has remained buoyant far longer than most traders have expected.  We have no way to know when forces will shift and non US markets will rise faster than US markets nor when the six index currencies will rise against the US dollar.

What we do know is history powerfully suggests that distortions of this strength do eventually adjust and when they do, the correction normally takes place quickly.

Here are the Top Value Markets and their Price to Book, PE Ratios and Average Dividend Yield.

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Money worries cause stress.  Stress causes inflammation. Inflation reduces our ability to think right and intelligently invest.  Beat back this biggest cause of stress with good value investing.

Gary

Borrow Low – Deposit High

Turn $250 into $51,888… in Four Years or Less.   If someone offers you a deal like this, I would normally say “Run as fast as you can!”

Yet in 1986. This is exactly what I wrote in a report, The Silver Dip”  that told how to borrow British pounds to buy silver.  I must admit it. I was wrong. Readers who followed the report made nearly that amount ($46,299 to be exact) in only one year!

I have been updating this report since.  The last update showed how to get 2% loans that turned $39.95 into $28,185 profit.

Now is the time to borrow low and earn high again because… an amazing investing trend is taking place.

Most investors will miss it.   You do not have to lose out.

Really?  Let’s take a look why.

I have been helping readers use a little known, easy loan investing technique for over 30 years.   Almost any investor can get the loans.

The $39.95 is for a report that explains how to borrow $10,000… no loan application required.   You’ll  get the lowest interest rates in town according a Barron’s 2017 online review.

Right now the loan interest rates are between 1.41% to 2.66%.

Here is what happened the first time I issued this report over three decades ago.

The year was 1986.  The price of silver had crashed, I mean really crashed from $48 per ounce down to $4.85 in May 1986.  

Everyone was afraid of investing in silver.

But I had been investing and writing and speaking about global investments since 1968.   When I issued the Silver Dip in 1985 I  had nearly 20 years of experience, so knew that when fear rules a market, the chance of profits are high.

As prices decreased from early 1983 into 1986, total supply of silver had fallen to 449.7 million ounces.  Mine production was restricted by the low prices at that time.  Secondary recovery of silver was constricted by low prices as well.

Then a “special silver pricing position” fell into place.

I showed readers how to borrow 10,000 British pounds at cheap interest rates, to invest in silver.   A British pound at that time was worth $1.86 so the loan was sufficient to buy 3,835 ounces of silver at $4.85 per ounce.

Silver’s price skyrocketed to over $11 an ounce within a year.  By 1987 the 3,835 ounces of silver was worth $42,185.

The profit did not stop there!

The loan was in British pounds.  By May 1987 the pound had dropped from $1.86 per pound to only $1.40 per pound.  The 10,000 pound loan that had been worth $18,600 in 1986 only required $14,000 to pay it off in 1987.

The falling pound had created an extra $4,600 profit.

Do the math: 

Silver worth $42,185

Loan payoff  $14,000

Profit             $28,185

Cash Required  Zero

All of this profit was made on the 10,000 pound loan.  No extra cash was required on the investor’s part.

The $28,185 was pure… extra profit.

Let me add that some investors had borrowed even more.  Some less.  The report showed a loan to risk  formula that investors could follow.

That was in the 1980s.  Silver’s special pricing position” does not happen often (this is why most investors miss it).

Nearly 30 years passed before the “silver’s special pricing position” fell into place again.

Conditions for the silver dip returned 30 years later in 2015.  The availability of low cost loans and silver’s price were perfect.

With investors watching global stock markets bounce up and down, most missed this important profit generating event. 

My readers did not.

I had been watching the entire 30 years for “silver’s special pricing position” to return.

I had been watching currency shifts and interest rates distortions so I knew the best currency to borrow.

From 2011 to 2015 the price of silver had once again crashed from $48.35 to below $14 an ounce.

The “special silver pricing position” reappeared.

I dusted off the “Silver Dip” and updated it to the “Silver Dip 2015”.

I prepared a “Silver Dip 2015” report and shared it immediately.  

The report paid off again.

From July 2015 to July 2016, the price of the silver ETF  iShares Silver Trust (Symbol SLV) rose from $13.92 and ounce to $18.71.  You can see the rise in the finance.yahoo.com chart below.

yahoo

A 10,000 pound loan (the pound was $1.52 per pound) purchased 1091 shares of the silver ETF SLV.   Those Shares rose to be worth $20,421 by 2016, a 34.34% additional profit.

The profit did not stop there!

The loan again was in British pounds.  From 2015 the pound dropped from $1.52 dollars per pound to only $1.39 dollars.  The 10,000 pound loan that had worth $15,200 in 2015 only required $13,900 to pay it off in 2016.

yahoo pound chart

The falling pound had created an extra $1,300 profit.

Do the math: 

Silver worth $20,421

Loan payoff  $13,900

Profit             $6,521

Cash Required  Zero

All of this profit was made on the 10,000 pound loan.  No extra cash was required.

Again this was pure… extra profit.

Some investors borrowed less… others borrowed much more so their profits were even higher.

All the extra earnings were derived from a low cost, easy to obtain loan that almost any investor can have.

I would like to help you learn how to tap into this type of profit that most investors will miss… in my newest report “The Silver Dip 2018”.

First let me answer a really important question…  that if you have not asked, you should.

Isn’t there some risk?

Yes.  There is always risk when you invest.

The first golden rule of investing outlined in the Silver Dip 2018 report is…”there is always something we do not know”.

The numbers above are what have happened.   We never know for sure what will happen.

2015 was similar to 1986.  Investors were afraid of silver.  Courage was required and this is exactly why dip investments work so well.

When most investors are afraid of a precious metal, extra good value is created!

Plus there is a way to dramatically increase the odds that your investment will be safe and that you’ll reap the type of high rewards I have described above.

The formula for increasing safety and improving the odds for profit are included in the new report, “Silver Dip 2018”.

The benefit of 50 years experience.

With so many years of experience in watching markets, metals, bonds, interest rates and currencies, I have learned many special pricing situations to watch for.

These special opportunities do not appear every day.  That’s why they are special.

Unless you have seen them come and go, it’s hard to see them coming again.

That is why I was willing to wait for years for silver to be in a special pricing position.

Our courses and reports are about finding good value and they have been helping astute readers find value investments, again and again for 50 years.

The “Silver Dip 2018” report shows a new, even bigger opportunity.  I continuously watch for aberrations in currency and precious metal markets.   Sometimes a rare quirk, such as we saw with the pound loans and the Silver Dip offer potential for profit, with very little risk of long term loss.

Investors who speculate on platinum at the correct time can make fortunes.

The time is now.

Success is almost guaranteed.  In fact an 89 year study showed a 99% change of success when sequence distortions are worked in a certain way.

We are stalking precious metal opportunity now.

The trap is set. We are waiting…

This opportunity is explained in the report “Silver Dip 2018”.

You can order the Silver Dip 2018 here for $39.95

Here is why there is no risk for you.  The report is 100% guaranteed.

I do not sell book, reports and courses.  I offer benefits.  If  the Platinum Dip 2018 does not bring you the benefits you expect, just let me know within 60 days and I’ll send you a quick, no questions asked, full refund.

I can’t promise that platinum’s price will rise in the next 60 days.  I can guarantee you’ll be fully satisfied with the report or… you can have your money back in full.

You can order the Silver Dip 2018 here for $39.95

Gary

(1) www.sciencedaily.com/releases/2012/04/120402162546.htm

(2) www.nytimes.com: Mini recession 2016

This Danger is Now


Costs of living that are rising now.

Signs of inflation are everywhere.   Yesterday’s Wall Street Journal article “U.S. Business Price Growth Came in Hotter Than Expected Last Month” is headlined, “Latest data a sign inflation pressures may be building in the economy”.

The article says: A gauge of U.S. business prices grew more than expected in March, the latest sign inflation pressures may be building in the economy.

The producer-price index, a measure of the prices businesses receive for their goods and services, rose a seasonally adjusted 0.3% in March from a month earlier, the Labor Department said Tuesday, while economists had expected a smaller 0.1% increase.

The surprise came because of a sharp rise in food prices and continued robust price growth in the services sector. Final demand food prices ballooned 2.2% in March, the largest one-month increase in about four years. Meanwhile, prices in the services sector rose strongly for the third-straight month, with price growth coming in at 2.9% in March from the prior year, the largest annual change in almost eight years.

Overcoming debt is one way to contain the risk of inflation.

We recently sent our Purposeful Investing Course subscribers the 32 page annual Keppler Asset Management Asset Allocation Report. (2)

One fact revealed is that investments in equities have been the best investment of all… by far,  over the past 92 years.  A dollar invested in US large shares grew to $7,353 compared to $62.72 for gold or 31.53 for homes.

Yet the report gave a huge warning as well.

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The warning shared the danger of market timing.  Investors who missed the best 48 months, just 4% in that 92 years  saw the $7,353 fall to only $21.74, making the shares just about the worst investment of all.

Screen Shot 2018-03-17 at 6.52.27 AM

Then the report showed the power of compound investing.  $1,000 a year invested for 45 years, rose to $573,186, when invested… and left in US shares over the four and a half decades.   Just $83 bucks a month.  Those who saved that through their lifetime… had an extra half million bucks plus enough to buy a really fancy vehicle.

Screen Shot 2018-03-17 at 6.53.59 AM

These simple facts about asset allocation is why one of the favorite workshops I teach is “Early Wealth” for kids.

The course begins by showing a dollar bill and a candy bar and letting the kids choose which they would prefer.  Some choose the candy, others cash.  But twenty-six more dollar bills are taped to the first and they then unfold.  The $26 is what they will have if they invest the dollar with compound interest over their career.  Now the kids see twenty-seven dollar bills dangling before them and they are asked to choose again.

Kids are not stupid.  When if properly educated they take the twenty-seven bucks and in the process learn the power of compounded interest.

Then we have the banker’s race.  Two children are selected. One is a large boy. The other is a small girl.

They race as they drag a fifty pound bucket of sheetrock mud that sits on a blanket.

Each selects five other children (who we call her bankers) to be in the race with them.

The difference is the girl has been good and saved money.   Her five bankers help her pull the bucket.

The boy, who has been bad and borrowed money, has to drag the bucket and his five bankers.

You can guess who wins the race.

This is an important workshop because we live in a sick society and our kids are being blasted with the idea of spending and borrowing from the moment they can watch a screen.  They are imbued with the idea to borrow for their education…. borrow to buy a car… borrow to take a vacation… borrow to buy a house… borrow on their credit card… borrow…. borrow…. borrow.

Too many children, who become debt slaves from the getgo, can’t even save $83.33 bucks a month.

The debt problem is about to get worse and is explained in the New York Times article “Why the Tax Law Might Make Your Car Payments Go Up” (3).

The article says (bolds are mine):  The United States just started another epic borrowing binge. And if you borrow money — through a credit card, a mortgage or an auto loan — you could end up paying the price.

It is a phenomenon that economists call “crowding out.” Large-scale government borrowing sucks up the supply of available funds, driving up financing costs for just about everyone else.

The tax cuts that President Trump signed into law in December will decrease the amount of money the federal government brings in by an estimated $1.5 trillion by 2027.  There are no plans to reduce government spending by that much. In fact, the budget passed last month increases spending by hundreds of billions of dollars.

During and after the Great Recession, borrowing was easy for the United States government.

Now all that is changing.

Because the economy has largely recovered, the Fed is reducing the amount of government bonds that it holds. Corporations, banks and households are spending their money or investing it in riskier assets — with bigger potential payoffs — rather than stockpiling it. And, amid optimism about the economy’s prospects, more consumers and institutions are looking to borrow money themselves, rather than park their cash in safe havens like government bonds.

So the government has fewer places from which to borrow money. In essence, the government is competing with individuals and companies to borrow money from a limited source of lenders.

Intensifying competition for investment funds is good news for savers and other lenders who can demand higher interest rates.

But it’s bad news for borrowers who have to pay those higher rates.

Here are three steps to help combat the problem of rising interest rates.

#1: Reduce debt.

#2: Spend less than you earn.

#3: Save every month.

#4: Earn extra income.

#5: Earn in ways that allow you to live well and use the new tax code to reduce instead of increase taxes.

Gary

Live Well and Be Free – 5 Global Earning Experiences

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

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

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

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

gary-scott-international-business

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

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

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

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

Then we got together.

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

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

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

Would you like to have a lifestyle and a front yard like this… almost a thousand acres of hacienda overlooking the Andes?

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

If so then read on… because… that front yard above is ours in a remote Andean hacienda.  This is only one of several homes that we have gained (to live and use in business) from the secrets we’ll share below.

In the summer, we retreat to our 250+ acre farm high in the Blue Ridge mountains of North Carolina.  Here’s our front yard in these mountains and the view from my home office.

gary-scott-international-business

Home offices in all your homes are important by the way.  They are part of one global micro business secret and you’ll see why have two home offices (and using two cars in business) can save thousands in taxes.

When you have an international micro business that involves your home and car, the tax benefits are fantastic.

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A group of readers visiting our North Carolina home after learning how to gain freedom with a micro business.

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

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

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

Caring is just one example of how to live anywhere and earn.  If you provide genuine care in anything you can be anywhere and beat out big businesses in your niche because big business has created an uncaring world and everyone craves care.

gary-scott-international-business

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

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

gary-scott-international-business

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

Dozens-of-roses

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

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

gary-scott-international-business

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

These are just a few of the business experiences that can help you have the freedom to earn globally.  They are shared in our emailed correspondence course, International Business Made EZ.   This course helps you learn how to earn and live wherever you choose!

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

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

I searched for these elusive secrets of opportunity for over twenty years, looking for a way to gain incredible, outlandish, unbelievable profit potential.

I finally found them and after years of proof and would like to share with you.  The opportunity I sought had to be enormously profitable yet also safe.  It had to work in good times and bad and had to be flexible so it could evolve as times changed.

These were not the only standards.  I wanted to find unbelievable profit and high safety and freedom but also wanted this incredible investment to offer the ultimate tax shelter, something so perfect it would not be even a little bit questionable.  It had to be so tax foolproof that Congress would never change it. 

I wanted a tax shelter so good that it would be encouraged by the government.

I feared deep down inside that what I wanted was impossible.  Nevertheless, I scoured the world for over twenty years looking for it.  I looked in Japan, Hong Kong, Korea, Thailand, Indonesia and the Philippines.  But I didn’t find it in Asia.  I went to the Middle East and searched all over Europe… all across the USA and Latin America.  I hardly missed a country.  After twenty years and millions of miles, I guess I gave up.  Only then (as these things so often happen) was it that I found the best opportunity in the world.

This opportunity was not only perfect but I discovered that it was wherever I wanted it to be, in my own back yard, in Florida and our remote home in the High Country of North Carolina and our even more remote cloud forest home in Ecuador.

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

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

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

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

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

Secret #4: These money making systems need to be flexible.  No matter what the economy brings, your ability to make money should work regardless of inflation, recession or even depression.

Secret #5: These businesses usually start small, but grow quite large.  Good money systems work for large or for small amounts and can be operated on either a full or part time basis.  Most businesses start with a learning curve.  During that time it is essential they are small.  Once the lessons have been learned and the system is operating properly, then it needs to grow for larger and larger returns.

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

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

Before discovering these secrets I had a business but to be honest could never get ahead.  I was almost penniless, in debt and living from month to month, check to check.  Then I discovered these seven secrets…and how to apply them around the world.

Since then our international micro businesses have brought in millions.  We gained all the physical possessions we desired, plus more than enough money in the bank.

We do not have one penny of debt and we have leisure time… though when you love your business… why not work?

This is most important, we have fun and feel that we do something beyond just making money every day!  Merri and I do what we love and have learned that through our global business we can accomplish far more important goals, gain self fulfillment and be of service to our community.  In short we can help make ourselves and the world better.

Among our greatest thrills is being able to help others through foundations we have started that help the environment and the poor.

More importantly we have the freedom to do all this from many locations (some are remote-you have seen the pictures) that we really enjoy.

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

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

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

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

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

Whatever your passion you can learn how to earn by creating an international micro business based on it.  You can be international if you love to travel or not.  Regardless of your skills and position there is some approach that will work for you.

Take fishing, for example.

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

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

gary scott

We are lucky to have a perfect but natural place to raise the trout.  On busy holidays when our monster trout are in demand I have to work hard fishing at that pond.  Pity me!

merrily farms

This pond is just below our house, so raising the trout is EZ for me.

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

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

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

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

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

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

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

Also, imagine what an international business means to your world travel.  Every trip you take can be tax deductible!  You can honestly write off every trip that is related to your business.  Every journey becomes a research oriented adventure and a TAX DEDUCTIBLE EVENT. 

For example if you have your own business you can gain $12,976 by using two vehicles for business because  IRS Form 4562, which is filed by proprietorships and corporations, contains spaces for up to six vehicles.

There are similar benefits by having a second home office defined in IRS publication 463 and IRS publication 587.

These are huge tax benefits that can be gained when you have an international, at home,  micro business.

As a real international business person, you’ll have one of the most respected and tax protected businesses in the country.  Every country needs to do business abroad, and most governments have created many programs to encourage their citizens to do business overseas.  Many of those benefits come in the form of reduced tax.  Other benefits come in the form of legal protection and even subsidies and grants.

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

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

You can do the same with a system contained in an electronic correspondence course called International Business Made EZ.   The course reveals all you need to know about how to start and run your own global business all by yourself.  It answers your questions and gets your business started!

Thousands have profited from this course which has been updated in its fifth edition.

For example, Ben, an investor from Pennsylvania used International Business Made EZ and wrote:

“Jam packed with vital information.  My head is spinning. Thank goodness this is all backed up by your manual. This is a true and cherished gift. Your tips on low cost business are a blessing!  Thank you once again for an outstanding course.  The value far exceeds the price.”

In just a week, you can be well on your way to income and freedom to live wherever you choose!  International Business Made EZ shows you how to take advantage of the five secrets mentioned above and the remaining two secrets below:

Secret #6: Look for ways to gain 1,000% returns in business.  The wealthiest families in the world today come from global businesses.  Learn how margins can be so incredible that few would believe them.  Learn how to use stories to make huge shifts in the value of products.  Take for example our friend Earl who is a dog trainer.  On a trip to Ecuador clay whistles in the market place were for sale at .35 cents each.  By calling them dog whistles Earl was able to sell them at $9.95,  a whopping 2,700% mark up!

Secret #7:  Create and market your product everywhere using niche marketing.  There are 11 steps to create the perfect product.  You learn them with International Business Made EZ.  Understand how to review ideas, test focus, aim at markets.  Learn where and how to get your data and get others to provide your marketing material for you almost FREE.

Learning how to market is the key to successful business. Knowing how to turn pennies into dollars is good marketing focus. International Business Made EZ gives you this winning marketing knowledge.

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

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

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

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

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

At www.garyascott.com our emailed messages are regularly sent to over 20,000 readers.

You learn the income producing power of defined focus and immediate repetition to get good search engine rankings and sales.

You can earn successfully while living anywhere because people of all ages are doing this.  Technology wiped out any disadvantages of age and gender.  A USA Today article entitled “The new entrepreneurs: Americans over 50” explains that older business people often start one person ventures in home offices using technology that did not exist a few years ago.  The article gave an example of Franny Martin who launched a cookie company at age 56 and said she built revenues to over $500,000 a year.   Yet her web site which attracts cookie customers from around the world cost only $3,000 to build.

International Business Made EZ is arranged in an easy to understand style.  Everything is explained in vivid detail.  We share all, how we have done it ourselves.  The course is full of business ideas and case studies based on our 48 years of experience.

The course  describes on a step-by-step basis, how Merri and I built a multi-million dollar international micro business in just 7 years and how you can do the same.

Terry T., an attorney from Germany took the course and enjoyed this fact when he stated, “What I like most is that it is a nuts and bolts course-not pie in the sky.

Learn How to Gain Total Security.  Learn how and why the global economy makes employment riskier because change is no longer an option.  See ways to become and agent of and profiteer from change never a victim of change.

Learn How to Perfect a Lifestyle.  Living as you choose is important because life is short.  Fortunately matching what you love with what you do in business actually increases profits.

George K an MD from California confirmed this when he wrote:

Your course helped me to crystallize and clarify ideas I’ve been considering that relate to my interests in writing, travel and ecology.  They showed ways to combine them in a personally engaging and potentially profitable way.  I especially appreciated the practical advice on organizing and marketing-turning ideas into products that sell and make a profit.”

A retired railway executive from Michigan picked up on this aspect and said more.

“Your course opened my eyes to the merits, profits, and prestige of becoming an international businessman, particularly the idea of doing business in Canada for distribution in the U.S. (for total tax protection).”

Learn How to Market your Product.  Learn truths that rule the market place.  Gain knowledge on subjects like… How to Make the Truth Exciting. Create your own Sales Story…  How to Deal With Cultural Differences…  How to Build Global Lists and Use International PR…  How to Spot the National Psyche and Quadruple Profits With Multimedia Marketing…  How to Choose Businesses as Pioneers or as Settlers.

Tom K., an engineer from Ohio, cashed in on this idea and wrote, “Basically, I learned the selling and marketing implications.  The course is absolutely worth the price!”

Learn  How to Obtain What You Need from the Net.  How to Use the Web to Reach your Market.  How to develop your site, target your market and start getting visits. The top ten Internet tips to use, the top ten traps to avoid, and many other lessons our Webmaster has used in his many years on the net. This system is so simple anyone can use it.

“Thank you for taking the mystery out of business and bringing it down to the ham and eggs level.” L – Chiropractor – Oklahoma”

Learn the Importance of Business Evolution.  It is vital to success and fulfillment that your business has balance and grows in harmony.

Rachel B, a housewife from Washington, enjoyed learning this fact and told us, “The idea of starting at the lowest cost level was terrific.”

Learn How to Set up Your Banking Structure.   Learn all you’ll need about the financial end: How to control inventory, keep overheads down, check ad results and stay on top of your business.  Learn 11 hazards to avoid and tricks to stay profitable without a daily accountant.

International Business Made EZ contains all these secrets and more.

One delegate, Ted T. a publisher from California said:

“Your course is outstanding! Just two hours of study alone were worth more than the price.”

While Kelly, a business woman from Atlanta, explained:

“It was great going through your steps, being 100% honest without fear of giving trade secrets since you have paid the price (to gain this knowledge).”

Who is helped by International Business Made EZ?

This correspondence course is for those who would like their own international micro business for fun and profit.

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

Your tax savings in a year can be worth ten, twenty even 100 times the cost of International Business Made EZ.

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

If you want fun, freedom, extra income and fulfillment with your own full or part time international micro business, or want to build your existing business, you can profit by International Business Made EZ.

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

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

An employed couple from New York wrote, “We found the course interesting and informative.  We were inspired to start work on an international project.  When we came down, we had no idea on what to do.”

There is nowhere else to gain such a unique network of information and help.  We have a successful international business with over 20,000 readers in dozens of countries so you gain practical current business contacts that are active now.

Are you interested in a global micro business?  It can be small and part time mainly to gain prestige, fun and tax benefits.  It can be full fledged and rake in thousands a day.  If so, International Business Made EZ is an absolute bargain.  Our goal and guarantee is that you will be able to start and run your own global micro business.

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

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

To order International Business Made EZ and the entire “Live Well and Free Anywhere” program for $299.  Click Here.

Your Friend,

Gary Scott

Others who have used thus course wrote:

“The course gave me insight on what to do with widening my client base.” M – Real Estate Broker – Florida

“The course helped me in several ways. #1: To realize that it is not only OK but preferable to start small. #2: I feel I have a workable program to have my own newsletter-my own passion!” T B – Professional, Washington

“The course fulfilled all my expectations providing all the details necessary to start a business from creating the idea, through marketing including the systems necessary to implement our ideas.” B C – Chiropractor – California

“The first thing that strikes you when you start this course is how quickly and simply Gary cuts through many of the common misunderstandings about doing business internationally.  In fact anyone with even a small local business could learn a wealth of practical marketing and sales strategies and tips through International Business Made EZ.”

More Comments from Readers

“I completed International Business Made EZ in a (long!) weekend and – unlike many business books and courses – I didn’t fall asleep whilst reading it! I found it helpful to refer back to whilst I put my business ideas into action and the business and banking contacts in the course were worth their weight in gold.”

“There is a lot of rubbish written about business and ‘get rich quick schemes’ and I seem to receive some sort of junk mail or spam e-mail most days trying to sell me a ‘get rich quick’ idea, but I found Gary’s course genuinely different.”

“Firstly, the International Business Made EZ course is written by someone who has tried and proven his international business and then chose to share those practical examples in a course rather than as ‘pie-in-the-sky theory’. Secondly, although the course would show even hard-nosed, skeptical business people a few things about doing business internationally, it is written in a completely unassuming and open way and this makes it easy for anyone to gain maximum benefit in the minimum amount of time from the course.”

This electronic “International Business Made EZ” costs $299. You gain incredible education and the importance of the knowledge for you and your family’s wealth.

The course is so complete Merri and I extend our “no fooling around-complete satisfaction guarantee” and a special offer because “International Business Made EZ” is only one small part of the special program we have developed for you.

Here is the first part of the special offer.  We provide two emailed courses… “International Business Made EZ”,  and “Self Fulfilled – How to Write to Sell and be a Self Publisher”.

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

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

Merri and I use writing and self publishing in our business.  We have earned as much as $20,000 for a single day’s work… and have earned consistently year in and year out… while we do what we love… because of a few secrets.  We write to be self fulfilled… to share what we have gained from living, working, investing and writing all over the world.

We wanted to share these secrets so we created a Self Publishing “Writer’s Camp” weekend seminar.  We offered the course for $1,500 and were surprised when 80 delegates enrolled.  People from all walks of life attended—chiropractors, businessmen, investors, doctors, realtors, inventors, airline pilots, engineers, and housewives.  Those who attended love the seminar.

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.  Then we recorded the weekend “Writer’s Camp” seminar.

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

You receive both the written course and the recorded weekend seminar, in an MP3 file, in the “Live Well and Free Anywhere” program I am making available to you.  The normal fee is $299 for each course (and $299 for the recorded workshop).   We’ll send both courses and the recorded Writer’s Camp to you by email 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 .

Does that sound fair enough?

To order International Business Made EZ and the entire “Live Well and Free Anywhere” program for $299.  Click Here.

Well actually you save more than $598.  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.

You can 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 and 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.

To order International Business Made EZ and the entire “Live Well and Free Anywhere” program for $299.  Click Here.

Fair enough?

There is still more.

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 the Report, “How to Finance a Small Business Overseas” (no extra fee).

Merri and I have always preferred to start our micro businesses  through cash flow.  However in the early the days of our business I found myself raising extra capital several times.  I have also helped numerous businesses raise money to get started.  This report shares several experiences to give a thumbnail sketch of how to raise money abroad.

In addition you receive any updates we make on any of these courses reports or recordings, free 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.

Finally a conclusion.

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

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

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 . 

To order International Business Made EZ and the entire “Live Well and Free Anywhere” program for $299. Click Here.

 

(1) www.wsj.com: U.S. Business Price Growth Came in Hotter Than Expected Last Month

(3) www.garyascott.com: How to have real safety

(2) www.nytimes.com: Federal borrowing deficits car payments

Inflation Trivia


1983, Bryant Pond, Maine.  There was a twist… a spark… a call and then a huge piece of history was gone. 

A huge change in your life began.

You may have barely noticed it.

Susan Glines became the last switchboard operator for a hand-crank phone when that Maine telephone exchange was converted to an automatic exchange.

telephone

Before the advent of automatic telephone exchanges, in the 1970s, an operator’s assistance was required for almost all telephone calls.  Callers did not dial direct but called an operator who connected a cord to the proper circuit.

The history of hand-crank phone system’s demise is a touch of the trivia with a lesson derived from my research into innovation and inflation.

inflation

Here are some rough thoughts about inflation.  I use the word “rough” because few economic indicators that are bandied about are so politically charged and so influenced and distorted by politicians.

We could say, “There are lies, damn lies, statistics and even worse, numbers on inflation”.

War causes inflation.  This is easy to see in the chart above from the Wall Street Journal blog “A brief history of US inflation since 1775” (1).  This is a graphic display of the relationship between war and inflation.

The chart above shows the inflation spikes in 1865 (end of War Between the States),  the spike in 1917 (end of Great War) and 1945 (end of WWII).

Yet my research was looking at inflation in an entirely different way.

My study had nothing to do with war, but began with the question, “how does the mass introduction of innovation affect inflation?

I looked at the spread of US railway lines.  In 1850, there were 9000 miles of railway track in use.  By 1860 the mileage had risen to 30,000 and the transcontinental line (a really big innovation) was completed in 1869.

The transcontinental railway line was being built during the war and the pace quickened at the war’s end.  In 1869 the final spike was driven at  Promontory, Utah.   The impact was immediate and dramatic. Travel time between America’s east and west coasts was reduced from months to less than a week.

Was that 1865 inflation caused by the war, or the rail innovation, or both?

The Model T Ford was introduced in 1908 and over the next 20 years 15 million of them rolled off the production line.  That’s another huge innovation.  Again we can see the spike in 1918… but how much was innovation? How much war?

The spread of general aviation has to be a huge innovation.  This began around 1946, but in October 1958 the Boeing 707 entered service with Pan American.  The 707 is credited with ushering in the Jet Age with a huge commercial success.  We can see a little inflation spike around this time.

What other big innovation began in the 1970s?   The global connection of automatic telephone exchanges started around 1970.

Prior to automatic telephone exchanges a cross-country US call might take as long as 2 hours to request and schedule in cities that used manual switchboards for toll calls.

Overseas calls could take days to connect.  I recall that frustration when working in Hong Kong. It often took days to get a call through to the US.

Yet the next big inflation run up did not begin until 1974 (last through 1982).   What changed?

Was it that we needed another war?  Perhaps.  The cold war between the West and East certainly created a lot of defense spending and as you’ll see in the chart below from tradingeconomics.com (2) ran up some huge extra federal debt.

Then in we saw the widespread roll out of the Internet by 2004 and the mobile phone revolution begin in 2007.

Yet there has been no inflation spike.  How come?

Could it be to low interest rates and a huge build up of Federal debt.

When we look at this chart below, showing federal debt in relationship to gross domestic product, we see the connection between war and a federal debt build up.  That debt creates inflation which essentially wipes out a chunk of the debt as its paid back in devalued dollars.

federal debt

US federal debt is almost back to levels created by WWII.  This is a stunning fact!

We can see, from the next chart, that beginning in 2008, the debt buildup began without a major war, unless we consider the war on terror as another war.

 

federal debt

There is no precedent to this level of non war related debt.  The study did not look into city, county, state debt and Federal guarantees  (such as for pensions, insurance, Social Security, Medicare, Medicaid, mortgage guarantees, etc)  either.   I suspect this darkens the inflation picture substantially.

federal debt

This research shows that the relationship between war, innovation, federal debt and inflation is murky and hard to pin down.

What the study does show is that there is a relationship between them all.

Since 1985 we have had all the factors of inflation… huge innovation, accelerated defense spending (war on drugs, terrorism, in Afghanistan, Iraq, Syria and God knows where else) and a huge Federal debt build up.

There has been no inflation… statistically speaking.

Innovation can change the free market and increase productivity, but governments always seem to soak up this extra production… and a bit more and take more to provide less.

Government’s can interfere, influence and defer free market action on the basics of supply and demand, but history suggests that free market forces always, eventually play out.

If this is true… expect inflation.   Prepare for it because it is here, has been here (damn the statistics) and will cause the purchasing power of the US dollar to fall.

Gary

Be Better Than Free

Here’s how, and why you can earn $11,835 a month with Small Niche Publishing.

My wife Merri and I have been looking for and finding contrasts, distortions and trends around the world for over 50 years.

We have enjoyed considerable success in the process.  Since 1968 while living, traveling, investing and doing business abroad, we have enjoyed capturing numerous golden trends that created wonderful profits and an outstanding lifestyle, full of travel, adventure, fun and fulfillment for ourselves and our readers.

When we spotted an old idea that offers profits in a new and different way we knew we had to help our readers get on board.   This is an idea, good for the community and those involved… that generates $11,835 a month of profit… and even more.

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

You’ll learn how to earn high income  in your own back yard and choose where you want that back yard to be.

Read on to see how Merri and I saw a business plan based around Small Niche Publishing that was special… I mean really so special… that it created a lifestyle you previously  could only dream.

When I spotted this plan, I sat down and asked myself “Why is Hyper Local Publishing such a great deal?”

Here are my original notes as I thought all of this through and found 11 powerful benefits for Merri, me and any readers who choose to become involved.  (In just a moment, we will look at these benefits in more detail.)

note

My original notes about SNAP.

This report explains the business plan currently being used by numerous positive niche magazine publishers.  This is a plan that generates  an income of $11,835 a month in really small – highly defined niche markets.

This report outlines:

* The benefits of having a writing and publishing business.

* How Merri and I developed a publishing business.

* Why small is better in today’s social and economic world.

* How Merri and I discovered the Small Niche business plan.

* Who is using this business plan now.

* How readers are using this business plan to earn $11,835 per month.

Let’s begin by looking at the eleven benefits above that I scribbled out on my note pad.

This report shares how you can turn yourself into a well paid publishing professional with “Small Niche Publishing Publications”, using a cutting-edge system that turns the publishing industry upside down.

The system teaches how to publish:

* Hyper Local (Small Distribution Area)

* Focused on Quality Vs. Quantity

* Reaching Readers With Low Distribution Costs

* Published With No or Low Printing & Operational Costs

* Providing Affordable Advertising Rates – All Businesses (Large & Small) Can Afford & Profit

* Giving Service to the Community

* Engaging Readers Because the Magazine is About Them and Their Community

You as a hyper local publisher gain:

* A proven business model

* A course on how to deliver in print, through the Internet or both.

The Money:  Here is the proforma income for a 64-page hyper local magazine

* Ad Revenue    $13,000   (40% ads/$500 per ad page)

* Editorial Revenues   $ 4,635

* Gross Revenue    $17,635

* Printing  Expense $4,300

* Estimated Operational Expenses  $1,500

* Profit $11,835

Other Advantages of this type publishing

* Freedom of owning your own business and all the benefits that go along with it.

* PRESS Credentials

* Prestige (Celebrity Status)

* Service You Provide to the Community

* Philanthropy

* Well Respected Profession

* “In The Know”

Let’s look at these benefits?

Here are 11 huge and very positive benefits.

#1:  Freedom of Choice. When you  own your own business and all the benefits that go along  with it, you can set your own hours.  You work when you want to, not  when you are told.   Working at home eliminates a commute unless you count the 8 seconds it takes to walk from the bedroom to your office.   You can even work in your pajamas.  One magazine publisher who helped develop this program says that this is one of his favorite benefits.  You don’t have to ask permission to take time off to attend your children’s sporting events, concerts, plays or any other event.

#2:  Greater control over your earnings and your destiny.  If you want to earn more, give yourself a raise by increasing your revenue.  When you work hard, you are working hard for your benefit and wealth not someone else’s.

#3: Tremendous tax benefits.  Many after tax expenditures become tax deductible business expenses.

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

#5:  You have PRESS Credentials.  Some big venues (like NASCAR) require official credentials which you can get by calling the press office.  Other smaller venues you can create your own “PRESS” badge and it usually gets you “behind the scenes” access.  Not to mention, everyone wants to talk to the press so they can end up in the magazine.

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

#6: Prestige (Near Celebrity Status).   He also said: We get invited to everything because people want our magazine to review their events.  Additionally, we are very well known around town.

#7:  Service  to the Community.   He told us that he gets raves about how his magazine and the content they publish really shines a positive light on the community.  He wrote: We give a voice organizations that normally wouldn’t have one.  We raise awareness to programs being hosted by the myriad of organizations here in town that most people would normally never hear of.  

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

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

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

Obviously, this type of special benefit doesn’t happen everyday but once in a lifetime is good enough.

#8:  You can be philanthropic.  One of the magazines described in the course chose two non-profit organizations to support.  One of the things non-profits need is press coverage and advertising.  They give about $10,000 worth of advertising a year to their non-profits and various other groups to help them get the exposure they need.

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

#10:  You are in the know.  One publisher said: Because we are part of the press, we get a tremendous amount of Press Releases e-mailed to us on a daily basis.  We are usually the first to know about something new going on in town.  If we aren’t the first, we are always included.  And, as part of the research we do for articles, we tend to uncover information people don’t know or have forgotten about.

#11:  You can have big-picture perspective without going broke.  Being able to fit your business to circumstances can sometimes be the most important benefit of all.  A small niche publisher had just started their magazine when their daughter was diagnosed with bone cancer.   During their daughter’s hospitalization they were able to be there 24/7… yet continue to build the business.

That publisher told me… “This is one of the BEST reasons for owning this type of business, the freedom to work from the hospital room on your laptop and be there when your child needs you the most”.

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

First, now that we see many benefits, let’s now look at why small niche area publishing offers such great potential.

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

sam buffet

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

sam buffet

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

Sam Buffet and Warren Walton!  What a combination.

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

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

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

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

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

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

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

Cherished Belief #2:  Community Orientation.

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

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

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

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

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

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

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

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

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

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

Cherished Belief #3:  Seek Good Value.

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

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

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

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

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

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

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

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

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

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

So half of Buffet’s value equation was there.

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

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

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

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

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

Merri

Merri with the artist the late Robert Rauschenberg

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

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

Of course, there is capital gain potential as well.

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

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

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

That was a really healthy capital gain.

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

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

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

What are the odds of getting this rich?

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

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

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

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

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

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

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

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

Time and Place

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

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

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

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

asheboro

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

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

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

snap magazine

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

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

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

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

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

snap

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

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

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

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

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

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

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

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

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

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

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

mysanford magazine

Benny & Perla Crosby from an issue of Mysandfordmagazine.

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

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

mysanford magazine

Read MYSANFORDMAGAZINE below.

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

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

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

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

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

You can publish about almost anything that interests you.

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

snap mag

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Another made millions with one simple legal idea.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Who is This Course For?

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

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

This course is for individuals and couples.  You can order the course but your entire immediate family has permission to use it.  We include those who want their own business or who want to have a business together or a family business.  Business people or professionals who want to add an extra profit center to their business or who want to change their business entirely will benefit.  Those who want more control over their career should take this course.  Plus those who love travel and want to turn their trips into profitable tax deductions!

Only those who really want to publish for profit or to expand their business should sign up for this course.  We have created a proposition where you cannot lose, but the course is not for idle curiosity.  We are giving away every business secret we possess and expect those who use it to reap fortunes in extra income, tax savings or expanded business. We expect this knowledge will change your life for the better.  You’ll gain extra income, more fun, adventure, friends, freedom, independence and prestige too.

You receive a complete manual provided by me, Merri and our webmaster, David Cross (who teaches the internet aspects of publishing).

Due to the enormous savings of an online course, you save over $1,700 with a full money back if not satisfied guarantee.

Though many readers have paid up to $2,000 for this course, you can have the entire program including an entire course on creating small niche publications, for only $299.

You could not duplicate the computer and Internet knowledge for $2,000.  It covers what you need to get on the Net, how to use the Web to publish, how to define your Internet market, how to develop your site, target your market and start getting visits, the top ten Internet tips to use, the top ten traps to avoid, and many other lessons our Webmaster has used in his 20+ years on the net.  In many cases your tax savings will be five to ten times the cost of the system alone, plus you will learn how to gain thousands of FREEBEES and earn hundreds of thousands a year.

Our publishing business has brought us more wealth, satisfaction, fun and friendship than I imagined possible.  It has brought so much to my life, I would like to help everyone be in publishing and I hope you are one with whom I will have the pleasure sharing this exciting and profitable way of life!

Whether you are retired, an investor, chiropractor, doctor, dentist, professional or already own your own business, this offers another way to make money, to turn your passion into profit. We guarantee to share all we know to help you start and run your own publishing business.

Don’t miss this opportunity.  Sign up with this special $299 offer.   We’ll send the full original of the course “Self Fulfilled – How to Publish to Sell” and for just $299.

Here is what to do.  If you’re not sure whether you really want to have a publishing business, consider the ways that such a way of living can improve your life.

Then look at this no risk guaranteed offer.

Our Guarantee

If you are not fully satisfied, you can cancel the course any time in the first 60 days for a full refund  and there will be no additional fee.

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

Order “Self Fulfilled – How to Publish to Sell” $299.  Click Here.      

Gary

Learn more about small area magazines.

(1) Asheboro Magazine

snap magazine

(2) Cuenca Expats Magazine

cuenca mag

(3)  The Sentinella Magazine

snap

(4) Perla Crosby publishes MySanford magazine

mysanford magazine

 

(1) blogs.wsj.com/economics/2015/12/14/a-brief-history-of-u-s-inflation-since-1775/

(2) tradingeconomics.com/united-states/government-debt-to-gdp

How Infrastructure Flub Ruins Pensions


Expect the world to get richer.   Supply, demand and resources are what wealth is all about.  We live in a world with a growing population (increased demand) and technology that increases productivity (increased supply).   Overall the wealth, more supply and more demand) grows.

gary scott

I use this saw to beat inflation.

However don’t expect that wealth to be equally or fairly distributed.  There are plenty of reasons why those on fixed incomes can become poorer.

Take for example, the US infrastructure spending over the next four years.   This can be a bad deal for those on a fixed income.

Current predictions are that this building, accompanied by tax reductions at the upper end, will add 6 trillion dollars of US debt.  Adding debt financed infrastructure is good only if the improvements adds enough productivity to pay off the debt.   If not, the spending creates inflation.  Rising costs are bad for those who depend on pensions.

The world is in a technology transition.  The demand that is growing fastest is virtual.  Spending is likely to be on bricks and mortar.  This is compared to developing more WalMarts when all the shopping growth is at Amazon.com or building new post offices just before the internet came into use.

Here is a real example.  When we first moved to Naples, Florida in the 1970s Merri and I had a powerful computer.  This was a big deal back then and it allowed us to become an official post office internet center.  The idea was that if someone wanted to send an email to someone without a computer, they would send it to us.  We would print it and the recipient would pick it up from us physically.  That system really missed the mark!

We do not know what new productivity innovations lay ahead and creating six trillion in debt on infrastructure of the past will not create more real wealth.   There will be some jobs created but the added income will be offset by higher costs because the incomes created will be paid for from debt.   This debt is ours, the public’s, as in you and me.   In the bigger picture, this spending is akin to borrowing money from the bank and treating the loans as if they are earnings.

Those who will prosper most are the wealthy, the owners of the big construction businesses who enjoy added tax breaks while the middle class, especially those on fixed income, pick up a greater share of the tax burden and higher cost of living for essential goods.

How do we gain protection?

We can have multiple ways to create extra income.  Try new things that you enjoy doing that can work in good times and bad.

Don’t worry about making huge profits.  Keep trying things that you want to do.  For example at our farm in NC, we added three sources of extra income Airbnb rentals, raising trout and creating wood products (using hand tools like the saw above).   Some will take off, others probably won’t but each contributes to the battle against inflation and most important, we enjoy the process.  Some of the skills developed would be really valuable if there is a big economic meltdown.  We hope that meltdown will never come, but because there are scenarios where the global economy could go south,  we sleep better having these enjoyable skills.

This is a way to become a Pruppie and turn passions into profit.

Gary

See more on Pruppieism below.

Live Anywhere – Earn Everywhere

A huge economic struggle is taking place.

If that struggle is lost what’s left of our privacy, the safety of our food supply, the control over our health, the safety of our money and even the sanctity of our opinions and thoughts could be lost.

Almost half of America’s voters rejected the postwar global economic order.  England’s voters did this too.  This has left a cloud of uncertainty over the U.S. and world economies.

Markets and social order can collapse at any time.

Schools are not safe from shooters on the rampage.

Streets are in danger of terrorists ramming their cars into riders on bikes.

We are no longer safe… in shopping centers, at festivals, even in the church.

Yet the bigger danger grows.   This struggle is taking place, right now.

You can read about tiny parts of this conflict daily in the news.   Most of the clash however is hidden from view.  There are horrible consequences hidden beneath the visible spin.

There is an association forming that can ruin our health care, nutrition and the environment.  A group that can control what you read on the internet, see over cell phones, watch on TV and what trends in social media.

Everything you write or say can recorded and be used  to control what you hear and read.

The warning shot, above the surface, is the merger between Bayer and Monsanto.  This union is horrible enough, yet it’s only the tip of the iceberg.

Seven companies are involved in a more sinister plot.

The momentum of this dangerous alliance has picked up faster than anticipated.

I began researching and preparing a report “Learn Anywhere, Earn Everywhere” when the Bayer-Monsanto merger was the big deal.   They are two of the seven firms involved in this almost invisible take-over of our food and medical services as well as the internet, cell phones and TV.

I started researching when I saw the hidden depths of this Bayer-Monsanto merger.  I was truly concerned and shocked because my research discovered that the consolidation of Bayer and Monsanto is not the biggest merger nor the most dangerous by far.

I miscalculated how much time we have.  I went to work on the report right away, taking my time to delve deeply, but even before I have finished the report, events have begun to heat up.   The pace of this hidden unification has increased.  Now another merger is taking place, far more destructive and the alliance has an incredible lobby program working to make sure that the deal goes through.

A triad of three huge concerns and four smaller ones with hundreds of billions of dollars have built one of the most formidable lobbying operations in Washington.  Nearly 100 registered lobbyists are already on retainer and they include former members of Congress.   One company in this heptagon is also the largest donor to federal lawmakers.

The donations we know of equal more than $11 million paid to 374 of the House’s 435 members and 85 of the Senate’s 100 members in this election cycle.

This deadly seven point affiliation is likely to snake into almost every part of our livelihood.

One part of the cartel will increase our dependence on modified food that can purposely increase our needs for pharmaceuticals manufactured and sold at outrageous prices by another arm of the group.

The organizations will know more about us than any other group in existence.  They will (in fact they already are) act as spies for the government.  This amalgamation will control what ads we see, the products we buy, listen into our phone calls and even monitor and influence what we see on TV.

Sadly most of the public will not even know that this fusion has taken place.  Life will appear to go on as normal.  They won’t even see the change as what’s left of their good life which could be drained away by corporate malfeasance.

This is why I am rushing a report to you so you can be one of the few who avoid the ruin of this alliance and gain rather than lose from the shift.

The report “Live Anywhere – Earn Everywhere” contains seven steps we can take to gain benefits and protection from this cartel.

Here is some background.  At the beginning of the 20th century, Carl Duisberg, the head of Bayer, created a profit sharing cartel from three firms BASF, Bayer and Agfa, called the Dreibund (Triple Alliance) or little IG.

This German chemical association dominated commerce everywhere under the name of IG Farben, the largest company in Europe, the 4th largest anywhere and the largest chemical company in the world.

Because “Power Corrupts” this company morphed into something truly evil before and during the Second World War.

After WWII IG Farben was considered so morally corrupt it could not be allowed to continue to exist and was split into its original constituent companies.  Today Agfa, BASF, Sanofi and Bayer remain.

This is where facts become truly scary.  Some of these very same companies have merged with other mega concerns to create a new American Dreibund (a Triple Alliance dominating the USA).   This new cartel has such power it can take control of your food, your medicine and even influence, if not control, what you read and the information you access for health and wealth.  Even worse, they can monitor everything you do and give it to others in government and business as well.

From a political point of view we cannot do much about this alliance.   The cartel has hundreds of billions of dollars and hundreds of lobbyists.  They are making their big move right now, to take advantage of the current political distraction.  They know that after an election politicians are willing to accept bad news because it will be forgotten in four years.

In addition their greatest enemy in the government has only a couple of months left as the head of the Federal agency that will fight this cartel.

Only a few people will know how to take advantage of the shifts created from the results of this alliance.

The sooner we act, the greater the benefits.   This is why I want to rush my newest report “Live Anywhere-Earn Everywhere” to you.  This report shares how to protect what you have from this coalition that is taking over mainstream media, our food supply as well as our medical history, health care and communications.

Fortunately a loophole can set you free.  You can protect what you have and actually improve your situation, a lot.  Merri and I have already jumped though the loophole and want to share why and how you should too.

How to Gain Extra Freedom – While Almost Everyone Loses Theirs.  Become a Pruppie!

May I coin a new word, Pruppie?

We all know about preppers.  They believe that the world, as we know it, is about to end.  And we also know about Uppies, upward professionals as in Yuppies, young upward professionals.  Uppies expect their world to get better.

The reality is that our worlds have changed and for most of us, there is still great opportunity for a better lifestyle, yet the preppies could be right.

I invite you to join Merri and me as Pruppies, those who expect the world to get better and live and earn based on that expectation but enjoy a progressive lifestyle of freedom that also happens to prepare us for bad times as well as good.

Just in case… the world goes sideways… we will still survive and prosper anyway.  We do not give up anything much.  We can enjoy the good parts of the new economy, as we protect ourselves from what can be bad.

For example in this report, you’ll see how to make your dining room table bring you more control, more time, more income and more freedom.  After all, what can be more accessible than a dining room table?

ecuador-banks

You’ll even learn how to turn dining room tables into income and tax deductions as we have with these dining room tables we build out of local wood.

Let me be clear.  I expect that the world will get better, at least for the few who adapt and avoid the dangers the American Dreibund has planned for the public.  The wealth of the world, albeit with inequality, has continued to grow.  There is an incredible new economy that’s opening for those who know what to do.  There are great new opportunities and many of them offer enormous income potential and they even work well in disaster scenarios.

Let me provide one simple, concrete example.  Ginseng.

This is a great health root.  The demand is growing especially in China.  At times good dried Ginseng sells for $1,000 a pound!  This is an incredible and easy crop to grow.   The less care you give it, the more valuable it can become.  Yet if everything goes south, the health qualities will be good to have and make it an excellent barter item.  Once you know what to do with ginseng, it’s easy to grow in your back yard.

Even better one of the best kept secrets is that ginseng and 125 other medicinal crops that are currently unsustainable but can be grown on land  that is extraordinarily cheap.

goldenseal ginseng

Ginseng growing in our back yard.  I know about growing ginseng through experience and explain why and how in the report.

There are are specific places that reduce your living expenses, easily increase your income, make you smarter, healthier and provide tax benefits as well. 

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

Here are some of the experiences this report shares:

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

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

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

  • Learn about the magic of the north facing slope.   This is where Merri and I live almost half of our time.  North facing mountain land is some of the least expensive in the world but has hidden values that the report reveals.  There is a lot of this land and a lot of hidden value that you can tap.   When we bought our Blue Ridge farm (252 acres) I mentioned this to my Swiss banking friend.  “That’s bigger than the entire village where I live!” was his response.  Smalltown USA offers a last chance at having a lot of space.  By living in two Smalltown places there are enormous tax advantages as well.  One step in the system saves Merri and me over $28,345 in taxes a year.

The report shows how to buy cheap north facing slopes and create an income producing tiny home for $29,000 or less.

If you lack the $29,000 to invest, a start up using tents is even less.  These are tipis we put up at our farm before we built our first tiny home.  Learn how they can create tens of thousands of dollars in income for you.

Fwd: gary-scott-tipis

  • See ways that small businesses like Tipi rentals can create BIG tax savings as well as extra income.  For more than 30 years Merri and I have enjoyed a strong six figure income, some years more, in the millions.  Yet there have been very few years when we had to pay federal income tax.  The report lays out a three structure program and how it is used when you are in school (up to age 30), then from 25 to 50, 50 to 70  and beyond 70.   Learn why Chapter C corporations and pensions can be better than the normally recommended Chapter S.  See how new mileage log rules gives you a possible opportunity to increase your tax deductions using IRS Form 4562.  Using a two-vehicle strategy you can gain $12,976 in new deductions even if you do not have to drive one mile further or spend one additional penny on your car.
  • See how a greenhouse can help you eat better and be healthier, plus provide income and a tax deduction and be funded by a government grant.

gary-scott-farming

Our North Carolina greenhouse.

gary scott greenhouse

Our Florida greenhouse.

  • There are similar benefits from having a second home office defined in IRS publication 463 and IRS publication 587, even if your desk is a dining room table.  The report also shows how your dining room table can become an actual income producer as its creates a huge tax deduction at the same time, not to mention a great place to eat, work and lay out plans for a brighter, safer more lucrative and enjoyable future.
  • Living in this environment is also healthier, economically as well as physically.  You’ll see in the report how researchers at Harvard found an amazing correlation between living in conditions found on north facing slopes, longevity and mental health.  The researchers were quite surprised by this strong correlation that also extended into mental health.  In addition to feeling better, reducing stress and having more Joie de Vivre the places outlined in “Live Anywhere-Earn Everywhere” can help you avoid hospitals, high cost disease management (aka health care) and BIG pharma while providing an investment opportunity in three plants that have some of the fastest growing demand in natural health care.  These three plants are just one of seven business opportunities that can create multiple streams of income.
  • How changes in cell phone and internet technology eliminated the need to be in one place.   An old law that creates new opportunity for small business in small towns is available to everyone.
  • Use the specific search and purchase guide.  Construction plans are included that show how to generate first tier income that leads to five, second tier avenues of earnings.
  • How to pay off old debt and avoid new debt by avoiding spurts and embracing value. 
  • Learn seven skills that will always have value.  See how to turn First Aid, medicinal plants, hospitality, food, trees, alternate energy and writing to sell into everlasting, low stress wealth.

merrily farms

This pond at our farm is a pleasure but also helps create a safe, healthy food supply and creates a tax deduction as well.

My Guarantee

This may be the most important report I have written in 50 years.  The information is certainly the most urgent.  Do not delay.  The risks are upon us right now and you’ll understand how the final steps of the alliance are taking place as you read the current news.

To take any risk out of gaining this urgent information with my full satisfaction or money back guarantee.  If you are not totally happy, simply let me know.  I guarantee you can ask for a full refund any time within 60 days and I’ll refund your payment in full, no questions asked.

You can keep the reports as my thanks for ordering it.

Buy Live Anywhere, Earn Everywhere Report  $39.99

Gary

 

 

 

A Centenarian Financial Lesson


Here is an important lesson about finance from a century ago.  In 1916, a terrible war was being waged.  The Germans realizing that they had made a huge error began a peace initiative.  The British refused, and this led to an even bigger German error, open submarine warfare that brought the Americans into the war.

Another huge error was that Germany’s government had made a decision to finance that war with loans. The strategy was to pay off the loans with the repatriations and spoils of war.  That plan backfired when Germany lost the war and the new Weimar Republic was now saddled with a massive war debt that it could not afford.  The government decided to payoff the debt by printing money without the economic resources to back it up.

In 1916 five German marks were worth a US dollar.  After the Treaty of Versailles 48 paper marks  were required to buy one US dollar.  Yet Germany continued to print paper money to pay its debt.  By November 1923, one American dollar was worth 4,210,500,000,000 German marks  (that’s 4.2 trillion marks per dollar).

The lesson is when governments print too much paper money, without the economic resources to back it up, that paper loses purchasing power.  Yet the lesson has not stuck.  Governments everywhere are growing deeper and deeper in debt.

One way to overcome the consequences of this devaluation is to combine multi-dimensional businesses with writing to sell.

Merri and I aim to create multi dimensional opportunity wherever we live.

In Florida we bought a house and an orange grove next door.  Then we added a rental unit.

citrus-

(Our Florida home and grove with its heart shape.)

In North Carolina we bought a house… then added a seminar center and rental units.

little-horse-creek

Our mountain creek seminar center in North Carolina.

We have made each of our homes multi dimensional… a home AND a source of income.  This is important because multi dimensional homes help us escape governments that cannot keep their economic promises.  History is littered with stories of serious national debt and economic problems that ruined pensions and retirees.  The burdens of debt and fiscal imprudence cause governments and societies to lose their ability to keep their promises.  Multi dimensional earnings can help overcome the risks these conditions create.

A look at government, social and currency breakdowns at their worst can help us see ways to earn and invest in turbulent times.

We do not have to look back 100 years to see what excessive debt and printing of paper currency can do.  In 1992, after Ukraine declared independence from the Soviet Union, its budget deficit reached 12.2% of GDP and inflation reached 2000%.  In 1993 price growth was 10,000%.  By the time a new currency was introduced (the hryvnia) in 1996 cumulative price increases reached 100,000 times!

Inflation slowed for awhile but has skyrocketed again and Ukraine’s hryvnia lost 70 percent of its value against other currencies in just the last year.

No matter how much one earns and saves, if prices rise 100,000 times, a lifetime of thrift might not be enough for a loaf of bread.

Any fixed income, pension, Social Security or savings can become worthless.

This is why multi-dimensional micro business opportunities make sense.

One way to be multi-dimensional is by learning how to write to sell.

Writing has always been the starting point in Merri’s and my multi dimensional activity.  Whether we have been creating a seminar, a course, finding or selling real estate, or an investment or business opportunity, we have reached our clients with the written word.

When you know how to write to sell, you can live anywhere you choose and still earn.  You can choose where the sun shines best for you and still have a pinnacle career.

Many countries require work permits for certain jobs, but usually these are not required for businesses like restaurants, shops, real estate agencies, art galleries, bed-and-breakfasts and small hotels.

Self Publishing has helped Merri and me create exactly the lifestyle we desire.

Self Publishing has entered a new era as a new business art form and we want to share with you how to start your own self publishing business now at our upcoming International Club retreat.

Learn how to develop your publishing skills to turn your passion into profit!  Even if you aren’t excited about writing… you can publish.

Whatever your passion, you can immerse yourself in it AND even create a six-and even seven figure income. This could be your direct ticket to the kind of fulfillment you’ve always wanted in life.  Whether you want to travel the world or live as a recluse, work 12 hours a day or not work at all, learn more about golf or feeding the hungry… it can be yours!

Here are  three basics of success in self publishing… passion… purpose… and profit.

Passion. You have to love to write to succeed in writing. This may seem a simple point but you either need to enjoy writing or love what you are writing about.

Purpose. To remain a writer for the long haul requires more than just fun.  Writers are missionaries. Your mission may be to tell a truth… reveal a secret or simply to entertain.  You’ll know what that mission is or at least feel it.  This is the driving force of writing.  If you do not understand it to begin… after you write enough that purpose will reveal itself.

Profit.  Follow your passions yes… but also stay tuned with what the majority of buyers want. Your desires may be the bull’s eye, but the entire target is THE market.

Plus the target is always moving so you should keep testing the winds of change. If the mood of your market changes and you do not keep up, your product or marketing can become out of style.

Fortunately there is a really simple way to stay tuned to your market that I learned years ago by surprise.

A friend inadvertently taught me this trick years ago when he recommended a book entitled “How to Survive the Upcoming Crash of 1995”. That book was on the NY Times best seller list and it sacred me to death as it told about how the U.S. economy would melt down in 1995 because U.S. government debt was out of control.

The book offered no solution to this dilemma.

I wrote a marketing piece with a headline “Are we 23 Months to Disaster?” that mentioned the book, outlined this problem and gave readers a way to find solutions by ordering my course on international investing.

Over the next two years this marketing piece worked unbelievably well creating millions in sales and profits.

Yet the premise was totally wrong! There was no bankruptcy of the US economy in 1995.  Instead the greatest economic boom in the history of mankind began.

This taught a valuable and simple lesson on how to see the buying public as a whole…perhaps understanding the public persona better than the public understands itself. The trick is simply to look at the best selling book lists…especially those of large newspapers… New York Times, USA Today and the Kindle Top 100.

The profits and sales from my 23 Months to Disaster piece did not arise because the product or marketing were in tune with economic markets. The disaster marketing piece was a success because it was tuned to how investors felt!   In addition the piece was fortified because it related to a book that millions of investors had read.

That book had scared millions of investors and created a problem for them, just as it had me.  My disaster marketing piece came along at just the right time…with a solution!

We can get clues about business trends by watching what everyone reads.

Best selling book lists are windows into a nation’s or the world’s soul and studying them can help you create a profitable multi dimensional business.

Merri, David and I are always testing new ways of communicating with our readers.  We know the value of embracing change.  The evolution in our business has taught us to integrate what we learn and feel with what others say.  We want to share this continuing process with you at our upcoming retreat. Details are below.

Gary

“If I Live Long Enough, I’ll Really Cash In Next Time”

Periods of good investing performance are always followed by periods that are bad.

Think about this…

The US dollar rose almost 50% above its lows of 2011.   Last year the greenback was at its highest level versus the Chinese yuan since 2008.  India’s rupee was also at an all-time low against the buck.  Other Asian currencies, the Singapore dollar and Malaysian ringgit have plunged to depths not seen since the financial crisis of 1997-98.  The euro, Mexican peso and Canadian dollar had crashed.  In other words, the US dollar has been in a period of high performance.

The greenback is in a free fall.

Yet there is a bigger economic problem that can ruin the purchasing power of your cash faster than you can imagine.

While the dollar was rising non US governments and businesses accumulated almost ten trillion dollars of debt denominated in US dollars.

The terror in this debt is that it acts as a destructive and very rapid financial amplifier.  Dollar debt is like a short position.  When the dollar rises, borrowers scramble to short-cover their position by selling their own currency.  This defeats the purpose of their hedging as it increases the strength of the dollar.  So they short even more.  Those short sales create an upward dollar spiral.  The buck rises higher and higher, based entirely on fear and speculation.

When that leverage energy is spent the currency stalls and plummets out of control… like now.

The last time we saw such a upwards spiral was from 1980 to 1985.  The dollar rose 50% in those five years.

Guess what?

Then it collapsed 50% in just two years.

The US dollar is in a similar position as at the beginning of Ronald Reagan’s first term.  This was a time of widening budget deficits, rising interest rates and a US dollar surge.  This created a problem then, as it does now, and creates huge opportunity for those in the know.

The rise of the dollar, the debt and the US stock market creates an especially dangerous conflict because Donald Trump wants to balance America’s trade.  A stronger dollar makes this impossible because it pushes up the cost of US material, US labor and US exports.

The overpriced dollar, the poor value of the US stock market (compared to other markets) create a dollar crisis and a special opportunity for you and me as investors.

“If I Live Long Enough, I’ll really cash in next time”.    I made this promise to myself in the 1980s.   A remarkable set of economic circumstances helped anyone who spotted them become remarkably rich.  Some of my readers made enough to retire.  Others picked up 50% currency gains.  I invested as much as I could handle then as the profits rolled in for about 17 years.  I had wished I could have invested more.

Now those circumstances are headed our way again.

And I have…

invested more… a lot more.

The swollen stock market prices, huge dollar denominated debt and weakening dollar are three patterns that can create a fast 50% profit.

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago.  The trends are so clear that I created a short, but powerful report “Three Currency Patterns For 50% Profits or More.”   This report shows how to earn an extra 50% from currency shifts with even small investments.

There is a way to accumulate good value equities denominated in the following currencies of special strength, including the Euro, Canadian dollar, Singapore dollar, British pound, New Taiwan dollar and Chinese yuan.

The report reveals 21 special non dollar equities that have the greatest opportunity for safety and appreciation.

I kept the report short and simple, but include links to 153 pages of global stock market and asset allocation analysis so you can keep this as simple or as complex as you desire.

The report shows 22 good value investments and a really powerful tactic to use that allows you to inexpensively accumulate these bargains now even in very small amounts (even $5,000).  There is extra profit potential of at least 50% so the report is worth a lot.

Research shows that most people worry about having enough money if they live long enough.   I never thought of that.   I just wanted to live long enough to see the remarkable economic opportunity that started in 1980 come again so I could hit the jackpot.  This powerful profit wave has begun.  I have made the investment myself  suggest you investigate this in my report “Three Currency Patterns For 50% Profits or More.”

Order the report here $29.95

My Guarantee

Order now and I’ll email the online report “Three Currency Patterns For 50% Profits or More” in a .pdf  file right away. 

I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through slow, worry free purposeful investing.  If you are not totally happy, simply let me know within 60 days and I’ll refund your subscription fee in full, no questions asked.

You can keep the report “Three Currency Patterns for 50% Profits or More”  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.

Order the report here $29.95

 

 

Frightening Inflation


Here is a frightening thought about inflation. 

A recent article about inflation in Japan deserves some time for reflection.

The article said:  “It’s one thing if luxury items are expensive, but if cheap things aren’t cheap anymore, it’s a real problem.”

Inflation has not come much to the forefront in the last few years.  Rising costs have been low, except for the cheap things like food, beans and rice, vegetables and fruit… nuts.

Now underlying inflation in the United States has increased more than expected as rents and medical costs maintain an upward trend.  The core Consumer Price Index rose 2.3 percent in the 12 months through February 2016.  This was the highest increase in almost five years.  In 2016 food and other costs (such as new and used cars and trucks) rose even faster.   However inflation seemed low because there was a 13 percent drop in gasoline prices, which offset both the increase in core C.P.I. and food prices.

This is an inflation danger, short term volatility in commodities such as oil can obscure rising long term prices  in other essentials that were previously not worth worrying about, such as food.

This has to leave us to wonder. “It’s one thing if luxury items are expensive, but if cheap things aren’t cheap anymore, it’s a real problem.”

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

 

 

 

 

 

Why We Need Slow Investing


As the world speeds up, we need to slow down.  One typical lie is the promise of something so far in the future, that the liar won’t be around when the promise needs to be kept.  Governments and businesses have been lying this way for so long that they have created quite a rat race for those now stuck with keeping the promise.  The way to avoid this rat race is to get off the treadmill and take time to observe and create your own health, earning and savings strategy.

A Wall Street Journal article “Cracks Starting to Appear in Public Pensions’ Armor” (1) reminded me that we each need to find easy practical ways to care for ourselves.

This article caught my attention because my father worked for the city of Portland. He was a zoo keeper.

Portland-zoo

(Article from Oregonian about my sister and me raising a baby lion.  We loved dad’s job.  He brought many lions and tigers home for us to care for.  At ten years old, this was so cool.)

What a great occupation for your dad to have when you are a kid!  But this is now the remains at the zoo.

Portland-zoo

Old Portland Zoo after it was abandoned… picture taken February 1960.  Will state, city and county employees be abandoned as well?

Having grown up during the depression of the 1930s, “job security and benefits” were Dad’s mantra.  He was in the right time at the right place.  His job provided a steady income and his pension benefits were fantastic.   Though he passed many years ago, my mom has received great benefits for over 30 years.

I have watched the benefits be cut and the article in the Wall Street Journal shares how all types of pensions from private to public to Social Security do less than before and are likely to do even less in the years ahead.

The article says:  “First in Detroit, then in Stockton, Calif., and now in New Jersey, judges and other top officials are challenging the widespread belief that public pensions are untouchable.”

The article tells how Gov. Chris Christie of New Jersey proposed freezing that state’s public pension plans and says: The first crack came in Detroit, where a judge ruled that public pensions could, in fact, be reduced, at least in bankruptcy. Then, just a few weeks ago, an opinion by the bankruptcy judge for Stockton, which emerged from Chapter 9 on Wednesday, called California’s mighty public pension system, Calpers, a bully for insisting in court that pension cuts were wholly out of the question.

Companies can legally freeze their pension plans and now more and more states are arguing that because they are legal sovereigns, federal pension law does not apply to them.  The problem is when states, cities and other local governments reform pensions  they cannot freeze benefits for existing workers.  Statistics show that reducing benefits only for future hires does not save enough money to preserve overstretched pension plans, especially in places where retirees outnumber current workers.

This problem created by longer lifespans, swollen benefits and lowered pension earnings induces many pension managers to do exactly the wrong thing, to speed up and leverage investing and increase risk.

An article entitled “Intel Lawsuit Questions Place of Hedge Funds in Retirement Plans (2)  tells how the Intel pension places big bets on hedge funds and private equity.  The plaintiffs say that this increases risks and costs in the retirement portfolios, hurting plan participants.

A decade ago Intel had a conservative pension primarily in large-capitalization stocks in the Standard & Poor’s 500. Then the company began diversifying into small-capitalization stocks, emerging-markets securities, fixed-income and alternative investments like commodities futures, hedge funds and private equity. Recently, these investments in hedge funds and private equity have grown significantly.

The answer to increased risk of default is not to increase risk, but to resolve the underlying problem of too much demand and too little contribution.  Pensions are meant to be absolute promises that their participants can depend on.  To keep their promise, they need well founded math based on reduced promises, increased contributions and slower, more dependable, good value investing.

Times are changing at an ever increasing rate.  The way to succeed in this scenario is to step off the treadmill, slow down so you can observe and create your own strategy for natural health, earning through a pinnacle career and saving with purposeful, good value investing.

Gary

www.nytimes.com – public pensions look vulnerable

www.nytimes.com – intel lawsuit questions place of hedge funds in retirement plans

Gain From the Volatility of the Next Four Years

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

The first reason markets will bounce has nothing to do with politics or policies.   The market’s downward shift is simply due regardless of the party or the person in office.

Second the new politics will create an uncertain era. Everyone is shaken whether they are pleased with the election or not and nothing frightens markets like uncertainty.

Third we’ll see rising interest rates over the next 48 months. This will push markets down.

Despite these pitfalls, there is a way to profit using the downtrends  to pick up good value shares.

During nearly five decades of global investing I have noticed found that good value strategies increase through bull markets and bear, through good presidents and bad.  The steps to take are simple.

The first tactic is to seek safety before profit.

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

This research shows that the stocks Buffett chooses are safe (with low beta and low volatility), cheap (value stocks with low price – to – book ratios), and high quality (stocks of companies that are profitable, stable, growing, and with high payout ratios).

The second tactic is to maintain staying power.  At times Buffet’s portfolio has fallen, but he has been willing and able to wait long periods for the value to reveal itself and prices to recover.

keppler asset management chart

This chart based on a 45 year portfolio study shows that holding a diversified good value portfolio (based on a  good value strategy) for 13 month’s time, increases the probability of outperformance to 70%.  However those who can hold the portfolio for five years gain a 88% probability of beating the bellwether in the market and after ten years the probability increases to 97.5%.  Time is your friend when you use a good value strategy.  The longer you can hold onto a well balanced good value portfolio the better the odds of outstanding success.

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

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

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

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

What do we do when we are not Warren Buffett?

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

Enjoy Extending Wealth

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

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

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

Slow, Worry Free, Good Value Investing

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

Spanning the Behavior Gap

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

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

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

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

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

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

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

#1:  Current book to price

#2: Cash flow to price

#3: Earnings to price

#4: Average dividend yield

#5: Return on equity

#6: Cash flow return.

#7: Market history

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

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

A country ETF provides diversification and cost efficiency by spreading one simple, even small investment into a basket of equities in a good value stock market.  The costs are low and this type of ETF is one of the hardest for institutions to cheat.  Expense ratios for most ETFs are lower than those of the average mutual fund.

Little knowledge, time, management or guesswork are required.  The investment is simply a diversified portfolio of good value indices.  Investments in an index are like investments in all the shares of a good value market.

Pi matches this mathematical certainty with my fifty years of experience. This opens insights to numerous long term cycles that most investors miss because they have not been investing long enough to see them.

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

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

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.

The two conditions are in place again!  There are currently ten good value (non US) developed markets,  plus 10 good value emerging markets.

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

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

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

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

This report sells for $29.95 but you’ll receive the report “Three Currency Patterns For 50% Profits or More” FREE when you subscribe to Pi.

Leverage

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

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

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

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

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

silver chart

(Click on chart from Google.com  (1) to enlarge.)   Imagine investing in a spike like this… with leverage!

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

I have updated a special report “Silver Dip 2016” about a leveraged silver speculation that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share long term lessons gained through 30 years of speculating and investing in precious metals.  While working on the report, when the gold silver ratio slipped to 80 and the price of silver dropped below $14 an ounce, I knew I needed to share this immediately.

I released a new report “Silver Dip 2015” so readers were able to take advantage of these conditions and leverage 1.6 times as a speculation.  That report generated profits as high as 212% and a revised 2017 issue has been produced.

“The Silver Dip 2106”  sells for $39.95 but  you receive  “Silver Dip 2017” FREE when you subscribe to Pi.

Save

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 the $29.95 report “Three Currency Patterns For 50% Profits or More” and the $39.95 report “The Silver Dip 2017 free.

Triple Guarantee

Enroll in Pi.   Get the first monthly issue of Pi, and the report “Three Currency Patterns For 50% Profits or More” and “The Silver Dip 2016” right away.

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

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

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

#3:  I guarantee you can keep “Three Currency Patterns For 50% Profits or More” and “The Silver Dip 2106” report as my thanks for trying.

You have nothing to lose except the fear.   You have the ultimate form of financial security to gain.

Subscribe to the Pi for $197.   You Save $158.95.

Gary

 

 

 

 

How to Survive Selective Inflation


The worst kinds of inflation are unreasonable rises in the costs of basics such as  food, shelter and medicine.   There are times when due to income, inequality or legal inefficiency, inflation becomes a form of extortion.  Take the case of shelter, various anti discrimination laws are used to stop landlords from abusing their power to provide  shelter (such as asking for sex to reduce or forego rent), but the practice is all too common.

We don’t have to look far to see legal extortion in medicine.  There has been an outrage about the rise in the price of a decades-old drug called Daraprim.   A new company, Turing Pharmaceuticals, bought the drug and promptly increased the price from $13.50 per tablet to $750 per tablet — a 5,000 percent jump!  However this new company is just following the example of Valeant Pharmaceutical which has a business model of buying existing drugs and raising prices aggressively, rather than trying to develop new drugs.  In essence these companies are extorting (currently in a legal way) unreasonable profits with the threat, “Pay up or die”.

Valeant Drug Prices

This image from the New York Times article on rising drug prices (1) shows how in 2015 alone, Valeant raised prices on its brand-name drugs an average of 66 percent.

Selective inflation is likely to apply to the even more basic item-food.  Here is why I think selective inflation could hurt hundreds of millions of people, especially those on a fixed income.

I recently researched inflation beyond the Consumer Price Index for my report, “The Silver Dip 2015”.   What I found is that since 1942 US median income increased 29 times.  House prices rose from 1942 until 2015 47 times. The cost of cars jumped 36 times.  Gold is up 33 times its value in 1942.  Silver rose 38 times in the same period.

This means that gold and silver were reasonable hedges against some forms of inflation.  Had you stored a pile of the precious metals away in 1942 to buy a car  or house today, you could do it.   This is true of going to a movie, up 33 times or renting an apartment.  Apartment rentals are up 34 times.

The metals have done even better when it comes to eating.  The price of bread has risen 21 times.  Sugar is up 10 times. Hamburger about 13 times.  Coffee  11 times.  Eggs 13 times increase.  Milk 16 times.

Ideally this means that food companies have been good about not gouging consumers.  Regretfully in the face of growing income inequity, failing corporate ethics and rising food prices we might be a bit cynical and not count on this.  The more likely fact is that food processors will see the lag as an excuse to let food prices catch up.

Last May the Labor Department indicated that Americans should be prepared for food prices to remain relatively high.

Meats have seen the steepest rise in price along with dairy products.

Rising food prices can continue to a be a source of stress worldwide as internationally traded food prices rose by a steep 4.0%. Corn and wheat, in particular, contributed to the rise.  The commodities each increased 12% and 18% worldwide this year through the middle of the year despite record grain harvests.

Living standards will suffer as more is spent on grocery store bills, leaving less for discretionary spending.

According to an article at cheatsheets.com (2) The World Bank says that already high food prices have become “the new normal,” and writes that, in less developed nations, families cope with rising prices by “pulling their children out of school and eating cheaper less nutritious food, which can have severe life-long effects… one-third of all child deaths globally are attributed to under-nutrition.”

There are numerous reasons for the increasing cost of food, climate change, drought, increased demand, rising labor costs and worker shortages all which create price pressure.

The largest price pressure comes from industry consolidation.  As processors and packagers merge, reduced competition creates higher food prices.

The best way to overcome selective inequality inflation such as rising food prices is to make sure your income and savings rise faster than prices.

The price comparisons in my research show that gold has outperformed nine of 14 inflation standards reviewed.  Silver outperformed 12 of the standards.  This suggests that gold and silver have done pretty well in maintaining value as real money.

However, this comparison also suggests that gold and silver are not necessarily badly undervalued either.  Beware of claims of $2,000 or $5,000 an ounce gold!  The price of gold and silver are likely to continue rising and falling along their medians.  If the conclusions of the inflation comparison are correct, any time silver drops much below $14, it is perhaps under valued. Gold below $1,150 is also likely a good deal.

This suggests that the price of silver and gold may not rise as fast as the price of medicine or food.  This is why I have written two reports, one on value investing in currency patterns,  “Three Currency Patterns For 50% Profits or More” and on how to use leverage with silver, “Silver Dip 2015“.

Integrating equity and currency value investing with leverage and precious metals can increase profits to help us stay abreast of selective inequality inflation.

Gary

Gain From the Volatility of the Next Four Years

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

The first reason markets will bounce has nothing to do with politics or policies.   The market’s downward shift is simply due regardless of the party or the person in office.

Second the new politics will create an uncertain era. Everyone is shaken whether they are pleased with the election or not and nothing frightens markets like uncertainty.

Third we’ll see rising interest rates over the next 48 months. This will push markets down.

Despite these pitfalls, there is a way to profit using the downtrends  to pick up good value shares.

During nearly five decades of global investing I have noticed found that good value strategies increase through bull markets and bear, through good presidents and bad.  The steps to take are simple.

The first tactic is to seek safety before profit.

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

This research shows that the stocks Buffett chooses are safe (with low beta and low volatility), cheap (value stocks with low price – to – book ratios), and high quality (stocks of companies that are profitable, stable, growing, and with high payout ratios).

The second tactic is to maintain staying power.  At times Buffet’s portfolio has fallen, but he has been willing and able to wait long periods for the value to reveal itself and prices to recover.

keppler asset management chart

This chart based on a 45 year portfolio study shows that holding a diversified good value portfolio (based on a  good value strategy) for 13 month’s time, increases the probability of outperformance to 70%.  However those who can hold the portfolio for five years gain a 88% probability of beating the bellwether in the market and after ten years the probability increases to 97.5%.  Time is your friend when you use a good value strategy.  The longer you can hold onto a well balanced good value portfolio the better the odds of outstanding success.

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

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

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

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

What do we do when we are not Warren Buffett?

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

Enjoy Extending Wealth

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

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

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

Slow, Worry Free, Good Value Investing

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

Spanning the Behavior Gap

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

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

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

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

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

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

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

#1:  Current book to price

#2: Cash flow to price

#3: Earnings to price

#4: Average dividend yield

#5: Return on equity

#6: Cash flow return.

#7: Market history

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

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

A country ETF provides diversification and cost efficiency by spreading one simple, even small investment into a basket of equities in a good value stock market.  The costs are low and this type of ETF is one of the hardest for institutions to cheat.  Expense ratios for most ETFs are lower than those of the average mutual fund.

Little knowledge, time, management or guesswork are required.  The investment is simply a diversified portfolio of good value indices.  Investments in an index are like investments in all the shares of a good value market.

Pi matches this mathematical certainty with my fifty years of experience. This opens insights to numerous long term cycles that most investors miss because they have not been investing long enough to see them.

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

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

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.

The two conditions are in place again!  There are currently ten good value (non US) developed markets,  plus 10 good value emerging markets.

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

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

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

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

This report sells for $29.95 but you’ll receive the report “Three Currency Patterns For 50% Profits or More” FREE when you subscribe to Pi.

Leverage

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

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

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

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

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

silver chart

(Click on chart from Google.com  (1) to enlarge.)   Imagine investing in a spike like this… with leverage!

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

I have updated a special report “Silver Dip 2016” about a leveraged silver speculation that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share long term lessons gained through 30 years of speculating and investing in precious metals.  While working on the report, when the gold silver ratio slipped to 80 and the price of silver dropped below $14 an ounce, I knew I needed to share this immediately.

I released a new report “Silver Dip 2015” so readers were able to take advantage of these conditions and leverage 1.6 times as a speculation.  That report generated profits as high as 212% and a revised 2017 issue has been produced.

“The Silver Dip 2106”  sells for $39.95 but  you receive  “Silver Dip 2017” FREE when you subscribe to Pi.

Save

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 the $29.95 report “Three Currency Patterns For 50% Profits or More” and the $39.95 report “The Silver Dip 2017 free.

Triple Guarantee

Enroll in Pi.   Get the first monthly issue of Pi, and the report “Three Currency Patterns For 50% Profits or More” and “The Silver Dip 2016” right away.

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

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

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

#3:  I guarantee you can keep “Three Currency Patterns For 50% Profits or More” and “The Silver Dip 2106” report as my thanks for trying.

You have nothing to lose except the fear.   You have the ultimate form of financial security to gain.

Subscribe to the Pi for $197.   You Save $158.95.

Gary

 

 

 

(1)  www.nytimes.com – Valeants drug price strategy

(2) www.cheatsheet.com – Price pressures from farm to table

How to Avoid Swiss Francs During Inflation


Inflation is important.  Some parts of the cost of living have been rising much faster than statistics suggest.  Anyone who visits the grocery store quickly learns this fact.

The last time this economic phenomenon happened my investments earned extra profits so I have been preparing to react to this particular type of inflation. Intelligent investments can create extra earnings that will offset the costs.  My investment will not include many Swiss francs, if any at all.

swiss franc

In the past, inflation protection was easier because other major governments were not involved in excessive government spending.  One could get out of the US dollar and invest in German marks, Japanese yen or Swiss francs and expect to make a profit.

This tactic no longer works.  The German mark is gone, so we have to invest in euro to get a German investment.  The euro has great potential versus the dollar but nothing like a German mark would have.

The Swiss franc, was a great currency for protection for many decades, but the fundamentals no longer are so strong.

First of all, Switzerland’s economy is simply too small for the franc to be a reserve currency.   In eras past, only a small portion of the world’s wealth (held by the richest) had access to Swiss francs.  In modern times, a huge population had access to investing in the franc.  Yet Switzerland’s population at 6 million people is the size of Philadelphia or Dallas, Houston or Washington, DC.

Switzerland needs to keep its currency pegged somewhere close to the euro as Germany is its largest export country.

There is good information about Switzerland’s exports at a MIT University site. (1)

mit swiss franc data

This chart from the MIT site shows Switzerland’s main exports.

Gold                                                                     $52,519,814,522     20% of all exports
Packaged Medicaments                                   $29,809,689,115     11% of all exports
Human or Animal Blood                                 $16,366,090,711        6.2% of all exports
Watches                                                              $21,895,590,400      8.3% of all exports
Orthopedic Appliances                                    $6,274,875,494         2.4% of all exports
Jewelry                                                                $5,861,875,912          2.2% of all exports
Nitrogen Heterocyclic Compounds               $4,813,692,968.35    1.8% of all exports

Some investors make the mistake of looking at the Swiss franc as it was decades ago. I have warned against this for many years.

Years ago in a different world, Switzerland was isolated and fiercely independent. Its mountainous terrain and well-organized citizen’s army gave strength to claim and enforce neutrality.

The small population (about 6 million) believed in personal and hence banking privacy. The people were incredibly conservative and highly efficient. They did not believe in government debt and demanded that their national bank keep a large amount of gold as a reserve for their currency.  This made Switzerland an ideal banking center in those days plus made Switzerland a refuge in times of turmoil. Swiss francs in a Swiss bank account were considered one of the ultimate forms of financial safety.

This all changed. The computer, new tactics in war and the global economic community turned everything upside down. The computer was like the Colt .45, a great equalizer, making bankers in England, Italy or Spain, etc. as efficient as the Swiss. New instruments of war, intercontinental and cruise missiles, nuclear weapons, etc. dramatically reduced Switzerland’s natural defences.

Most of all, the global economic community forced Swiss banks to deal in US dollars, British
pounds, Japanese yen and German marks. Swiss banks had to open centers abroad and hence became vulnerable to other country’s laws. They lost much of their independence!

Today Swiss banks are affected by what happens in the US and other countries.  More importantly, the Swiss franc can no longer be allowed to be the reserve currency of last resort. Switzerland is a poor country in terms of natural resources lacking oil, minerals and the ability to feed itself.

Switzerland is a trading nation and must have its currency at parity with other nations which allows them to export goods.  It must export to survive. A large segment of its exports go to Germany. When the Swiss franc becomes too strong, especially against the euro, the Swiss react quickly to force its parity down.

During the 1970s recession when investors began flocking to the franc, the Swiss National Bank imposed a 12% per quarter negative tax on Swiss franc accounts over 100,000 SFR held by overseas investors.

In the last five years, the Swiss franc appears to have really strengthened versus the Euro as this chart (2) from Xe.com shows.

swiss franc chart

Click on image to enlarge.

This chart shows a special risk in the Swiss franc. The Swiss National Bank protects the SFR and has a nasty habit (see 2011 and 2015) of manipulating the SFR exchange rate. The sharp drop of the franc earlier this year is like a spring ready to push the parity of the Swiss franc back down versus the euro.

This also gives a distorted view of the Swiss franc Euro relationship.  The Swiss franc has simply switched its parity with the US dollar and as the chart (3) shows.  The franc has maintained its value with the dollar now for five years.  I believe this is because someone at the Swiss National Bank is smart enoughj to know that the dollar is too strong and when it corrects, the francs parity will move back closer to the euro.

This was really bad for speculators who were long in Swiss francs, a brilliant move on the part of the Swiss National Bank.  Investors will think twice about jumping into the Swiss franc thinking they can make an automatic profit.

swiss franc chart

Since the US dollar is seriously overbought, the suggestion is that when the greenback corrects versus the euro, so too will the Swiss franc.

Switzerland is a good banking center, yes.  The Swiss franc may be a strong, stable currency, yes, but the Swiss cannot afford to let the franc rise too high and the profit potential on Swiss franc investments is extremely low.  The Swiss SNI Stock Market index has risen 33% in the last five years, compared to a rise of over 60% in the Dow Jones Index.  Since the currency parities have remained equal, investors in the SNI have earned half the profits as investors in the Dow.

Why choose a currency that is not likely to go anywhere when you are not getting paid a handsome income return?

I have shared this information for at least fifteen years warning not to invest too much in Swiss francs, especially when it is strong and overall this has been correct.  I have not changed my opinion on this.  If you find a good value investment denominated in Swiss francs, go for it, but overweighting a portfolio in this currency runs the risk of muddled returns at best.

Gary

Learn how to master inflation.

To help you gain mastery over your investments and all your important goals in life, this week only Amazon.com has a countdown special on the Kindle edition of Bob Gandt and my new book MASTERY for only $2.99.   The print list price $13.99, the Kindle regular price $6.99.  Download it directly to your Kindle reader or onto your PC, Mac or tablet on an app from the Amazon page.

mastery

Order MASTERY (this week only) at Amazon.com for $2.99

Gain From the Volatility of the Next Four Years

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

The first reason markets will bounce has nothing to do with politics or policies.   The market’s downward shift is simply due regardless of the party or the person in office.

Second the new politics will create an uncertain era. Everyone is shaken whether they are pleased with the election or not and nothing frightens markets like uncertainty.

Third we’ll see rising interest rates over the next 48 months. This will push markets down.

Despite these pitfalls, there is a way to profit using the downtrends  to pick up good value shares.

During nearly five decades of global investing I have noticed found that good value strategies increase through bull markets and bear, through good presidents and bad.  The steps to take are simple.

The first tactic is to seek safety before profit.

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

This research shows that the stocks Buffett chooses are safe (with low beta and low volatility), cheap (value stocks with low price – to – book ratios), and high quality (stocks of companies that are profitable, stable, growing, and with high payout ratios).

The second tactic is to maintain staying power.  At times Buffet’s portfolio has fallen, but he has been willing and able to wait long periods for the value to reveal itself and prices to recover.

keppler asset management chart

This chart based on a 45 year portfolio study shows that holding a diversified good value portfolio (based on a  good value strategy) for 13 month’s time, increases the probability of outperformance to 70%.  However those who can hold the portfolio for five years gain a 88% probability of beating the bellwether in the market and after ten years the probability increases to 97.5%.  Time is your friend when you use a good value strategy.  The longer you can hold onto a well balanced good value portfolio the better the odds of outstanding success.

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

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

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

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

What do we do when we are not Warren Buffett?

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

Enjoy Extending Wealth

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

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

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

Slow, Worry Free, Good Value Investing

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

Spanning the Behavior Gap

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

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

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

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

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

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

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

#1:  Current book to price

#2: Cash flow to price

#3: Earnings to price

#4: Average dividend yield

#5: Return on equity

#6: Cash flow return.

#7: Market history

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

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

A country ETF provides diversification and cost efficiency by spreading one simple, even small investment into a basket of equities in a good value stock market.  The costs are low and this type of ETF is one of the hardest for institutions to cheat.  Expense ratios for most ETFs are lower than those of the average mutual fund.

Little knowledge, time, management or guesswork are required.  The investment is simply a diversified portfolio of good value indices.  Investments in an index are like investments in all the shares of a good value market.

Pi matches this mathematical certainty with my fifty years of experience. This opens insights to numerous long term cycles that most investors miss because they have not been investing long enough to see them.

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

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

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.

The two conditions are in place again!  There are currently ten good value (non US) developed markets,  plus 10 good value emerging markets.

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

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

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

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

This report sells for $29.95 but you’ll receive the report “Three Currency Patterns For 50% Profits or More” FREE when you subscribe to Pi.

Leverage

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

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

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

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

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

silver chart

(Click on chart from Google.com  (1) to enlarge.)   Imagine investing in a spike like this… with leverage!

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

I have updated a special report “Silver Dip 2016” about a leveraged silver speculation that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share long term lessons gained through 30 years of speculating and investing in precious metals.  While working on the report, when the gold silver ratio slipped to 80 and the price of silver dropped below $14 an ounce, I knew I needed to share this immediately.

I released a new report “Silver Dip 2015” so readers were able to take advantage of these conditions and leverage 1.6 times as a speculation.  That report generated profits as high as 212% and a revised 2017 issue has been produced.

“The Silver Dip 2106”  sells for $39.95 but  you receive  “Silver Dip 2017” FREE when you subscribe to Pi.

Save

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 the $29.95 report “Three Currency Patterns For 50% Profits or More” and the $39.95 report “The Silver Dip 2017 free.

Triple Guarantee

Enroll in Pi.   Get the first monthly issue of Pi, and the report “Three Currency Patterns For 50% Profits or More” and “The Silver Dip 2016” right away.

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

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

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

#3:  I guarantee you can keep “Three Currency Patterns For 50% Profits or More” and “The Silver Dip 2106” report as my thanks for trying.

You have nothing to lose except the fear.   You have the ultimate form of financial security to gain.

Subscribe to the Pi for $197.   You Save $158.95.

Gary

 

 

 

(1) https://atlas.media.mit.edu/en/profile/country/che/

(2) http://www.xe.com/currencycharts/?from=EUR&to=CHF&view=5Y

(3) http://www.xe.com/currencycharts/?from=USD&to=CHF&view=5Y

How to Prosper in the Worst Times


Many readers send me notes about our political system that sounds like sour grapes (frustrated).  Other notes I receive are more like the grapes of wrath (angry).   Many readers are angry, many are frustrated and most are a little afraid.

Let’s remind ourselves of some basics and remember even rotten grapes can be turned into sweet wine.  See below a way to earn extra profit with a falling US dollar.

grape pie

Concord grapes from our little vineyard at Merrily Farms.

A reader sent this note:  Hi Gary,  If the USD is replaced as the world’s “go to” currency, we’ll have a major crash in this country.  I believe it’s inevitable.  So what references can you offer to help us prepare for the worst?  Your input will be greatly appreciated.  Please tell Merri hello and give her our best.

My reply:  First, a weak dollar is not a bad thing for Americans.  Imports cost more but the US still has the largest domestic economy in the world by far.  Here are the stats from the IMF for 2014 (1).

Rank   Country                 GDP   $ Millions

1          United States           17,418,925
2         China                         10,380,380
3         Japan                          4,616,335
4         Germany                    3,859,547
5         United Kingdom      2,945,146
6         France                        2,846,889
7         Brazil                          2,353,025

Right now there is a very good case for diversifying out of the US dollar into the Euro.  This ten year chart of the Euro shows how it has been dropping in waves versus the US dollar since 2008.  The dollar’s strength since late 2013 suggests that the green back is very overbought.  The Euro zone has lower debt as a percent of GDP, a smaller deficit and a much better trade balance.  All of these fundamental strengths give the euro a good reason to surge.

US dollar

Chart from www.xe.com (1)

Our reports  “3 Economic Conditions for 50% Profits or More” and  “Silver Dip 2015”  both show how to to profit when the US dollar falls.

The loss of purchasing power of all currencies are a growing global problem.  The US dollar has been losing purchasing power since I began traveling and investing in the late 1960s.  Today almost every currency is under pressure because almost every government has used the same overspending tactics as has the US.

Winston Churchill outlined the crux of the problem when he said: “If the Almighty were to rebuild the world and asked me for advice, I would have English Channels round every country.  And the atmosphere would be such that anything which attempted to fly would be set on fire.

The opposite has evolved.  Modern communications and technology have allowed a growing population that is increasingly connected.

Technology creates greater wealth.  Communications allow even the poorest to know about (and desire) this wealth.  As always, the extra wealth is not distributed equally or fairly but in the modern world technology allows the poor to express their frustration in deadly ways, if they don’t get enough of the added affluence.

This is why no one is isolated from the Syrian problem.  This is why a very small number of people at ISIS can affect most of us wherever we are in the world.  This is why no one country can (or should) be allowed to crash.

Inflation is one way of creating soft landings to these equality distribution problems.

Here are some of the steps we have taken to reduce the effects of inflation and gain from currency fluctuations..

First, we have expanded our investments in rental real estate.   We reduced our equity position, almost totally eliminated bonds and added rental income property.  Rental property is a lot more work than investments in CDS or bonds (not enough return) or buying US shares (hard to find value).

We aimed for a sweet spot, two and three bedroom houses that rent for about $1000 a month.  Our renters are mostly working professionals, teachers, police, foremen and retired couples.  The reasoning is that these are stable renters and rents will rise with inflation and provide a sufficient income.

In stock investing we are investing in value markets outside the USA  (explained in the report “3 Economic Conditions for 50% Profits or More” and  and speculating in precious metals as in our report “Silver Dip 2015”.

Second, we have moved to remote places away from the madding crowd and more out of harms way from traffic jams, noise, pollution, riots and such.  I want to point out that this decision was not made because we think the world or the US dollar is coming to an end.  Life is just better out here in nowhere for us.  If we loved shopping and concerts, theater, socializing, dining in restaurants. etc. our decision might be different, but we do not. We love land, fresh air, lots of water and space and we like to stay at home or with our children and grandchildren.

Third, we stay away form the US medical system as much as we can and work at maintaining good natural health.  Fortunately, we really like to garden so I get good exercise growing some of our own food.  This provides a double benefit, the exercise and truly ripe, organic food picked right off the vine eaten with fish from the creek or lake.

grape pie

Finally, I am very picky about reading the news, never at night and only looking at specific items that might relate to what we are doing.  So much of the global medias is aimed at instilling and/or enhancing fear.  What a shame to live in more fear than is required!

The world, governments and the currencies they issue have changed a lot in the last 45 years that I have been multi currency investing.  The almighty may not have listened to Winston Churchill for evolutionary planning, but we have been given two key economic essentials, that are the very basics of all economics, more demand, (a growing population) and  more supply (increased productivity).

There are plenty of distortions and displacements caused by unequal distribution of wealth.  These errors remain and will remain cause of concern and of inflation.  The overall trend however is of greater wealth. When we achieve mastery at selecting currencies and live in a peaceful healthy way, we can increase our share of this wealth.

grape pie

Grape pie we recently baked from grapes off our vines at the farm.  It was not sour. Nor was there any wrath involved!

To help you gain mastery over all your important goals in life, this week only Amazon.com has a countdown special on the Kindle edition of Bob Gandt and my new book MASTERY for only $2.99.   The print list price $13.99, the Kindle regular price $6.99.  Download it directly to your Kindle reader or onto your PC, Mac or tablet on an app from the Amazon page.

mastery

Order MASTERY (this week only) at Amazon.com for $2.99

Gary

Gain From the Volatility of the Next Four Years

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

The first reason markets will bounce has nothing to do with politics or policies.   The market’s downward shift is simply due regardless of the party or the person in office.

Second the new politics will create an uncertain era. Everyone is shaken whether they are pleased with the election or not and nothing frightens markets like uncertainty.

Third we’ll see rising interest rates over the next 48 months. This will push markets down.

Despite these pitfalls, there is a way to profit using the downtrends  to pick up good value shares.

During nearly five decades of global investing I have noticed found that good value strategies increase through bull markets and bear, through good presidents and bad.  The steps to take are simple.

The first tactic is to seek safety before profit.

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

This research shows that the stocks Buffett chooses are safe (with low beta and low volatility), cheap (value stocks with low price – to – book ratios), and high quality (stocks of companies that are profitable, stable, growing, and with high payout ratios).

The second tactic is to maintain staying power.  At times Buffet’s portfolio has fallen, but he has been willing and able to wait long periods for the value to reveal itself and prices to recover.

keppler asset management chart

This chart based on a 45 year portfolio study shows that holding a diversified good value portfolio (based on a  good value strategy) for 13 month’s time, increases the probability of outperformance to 70%.  However those who can hold the portfolio for five years gain a 88% probability of beating the bellwether in the market and after ten years the probability increases to 97.5%.  Time is your friend when you use a good value strategy.  The longer you can hold onto a well balanced good value portfolio the better the odds of outstanding success.

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

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

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

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

What do we do when we are not Warren Buffett?

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

Enjoy Extending Wealth

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

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

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

Slow, Worry Free, Good Value Investing

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

Spanning the Behavior Gap

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

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

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

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

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

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

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

#1:  Current book to price

#2: Cash flow to price

#3: Earnings to price

#4: Average dividend yield

#5: Return on equity

#6: Cash flow return.

#7: Market history

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

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

A country ETF provides diversification and cost efficiency by spreading one simple, even small investment into a basket of equities in a good value stock market.  The costs are low and this type of ETF is one of the hardest for institutions to cheat.  Expense ratios for most ETFs are lower than those of the average mutual fund.

Little knowledge, time, management or guesswork are required.  The investment is simply a diversified portfolio of good value indices.  Investments in an index are like investments in all the shares of a good value market.

Pi matches this mathematical certainty with my fifty years of experience. This opens insights to numerous long term cycles that most investors miss because they have not been investing long enough to see them.

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

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

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.

The two conditions are in place again!  There are currently ten good value (non US) developed markets,  plus 10 good value emerging markets.

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

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

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

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

This report sells for $29.95 but you’ll receive the report “Three Currency Patterns For 50% Profits or More” FREE when you subscribe to Pi.

Leverage

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

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

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

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

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

silver chart

(Click on chart from Google.com  (1) to enlarge.)   Imagine investing in a spike like this… with leverage!

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

I have updated a special report “Silver Dip 2016” about a leveraged silver speculation that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share long term lessons gained through 30 years of speculating and investing in precious metals.  While working on the report, when the gold silver ratio slipped to 80 and the price of silver dropped below $14 an ounce, I knew I needed to share this immediately.

I released a new report “Silver Dip 2015” so readers were able to take advantage of these conditions and leverage 1.6 times as a speculation.  That report generated profits as high as 212% and a revised 2017 issue has been produced.

“The Silver Dip 2106”  sells for $39.95 but  you receive  “Silver Dip 2017” FREE when you subscribe to Pi.

Save

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 the $29.95 report “Three Currency Patterns For 50% Profits or More” and the $39.95 report “The Silver Dip 2017 free.

Triple Guarantee

Enroll in Pi.   Get the first monthly issue of Pi, and the report “Three Currency Patterns For 50% Profits or More” and “The Silver Dip 2016” right away.

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

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

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

#3:  I guarantee you can keep “Three Currency Patterns For 50% Profits or More” and “The Silver Dip 2106” report as my thanks for trying.

You have nothing to lose except the fear.   You have the ultimate form of financial security to gain.

Subscribe to the Pi for $197.   You Save $158.95.

Gary

 

 

 

(1) IMF GDP Stats

(2)  Euro Dollar Chart at www.xe.com