Tag Archive | "Inflation"

Beat Inflation – Reduce Tax


A micro business in writing can create income that beats inflation as it reduces tax.

Money does not guarantee happiness but up to about $75,000 a year of income, money does help.  If you are turning your passion into profit, then it is even easier to be content with your labors.   The value of labor rises with inflation.  That $75,000 threshold will be worth $38,126 in ten years if inflation is 7%.  $75,000 of today’s purchasing power will require $147,536.

Good labor is not drudgery and does not have to be work.

The beauty of learning to serve in a fulfilling way is the process of earning can be fun.

Take the example of Denis Malloy’s new book  “Eat Local Anywhere”.   Our  course “Self Fulfilled How to be a Self Publisher” helped Denis write this book.

eat local anywhere

Denis’s guide is for local restaurants in different parts of the world that are not specifically designed to attract tourists.  They are restaurants featuring authentic, local cuisine for local residents.  The moderate prices on their menus and the authentic representation make these great places to eat as you travel.

Learn more about Denis Malloy’s “Eat Local Anywhere” at Amazon.com

To research this book, here are a few of the places Denis had to travel so eat in many of the restaurants there.

Brussels, Belgium

Buenos Aires, Argentina

Quito, Ecuador

Punta Del Este, Uruguay

Santiago, Chile

Montevideo, Uruguay

Paris, France

Sait Jean de Luz, Pyrenees-Atlantiques,  France

Sheboygan, Wisconsin

Del Ray Beach, Florida

Do you think his research was drudgery?  Look at the service he provided, a valuable guide to good restaurants offering great food and low prices. here is a bigger social element here.  By helping promote local restaurants that serve good local food, Denis is helping short circuit big agri business and  chains that increasingly dominate commerce and pollute our bodies and the environment.

In addition Denis gained enormous tax advantages.

Fight inflation, reduce tax, help the world, be fulfilled.  Never give up the ability to serve.

Our upcoming Value Investing Seminar features many cash savings ideas via tax reduction.

Gary

Learn Fun & Profitable Tax Secrets

Imagine this, micro businesses are such good ways to create wealth and reduce tax that even cruises can be tax deductible.

Small family owned businesses have some of the best tax benefits.

Micro businesses have huge tax savings using really conservative strategies.

conrad oertwig

Conrad Oertwig (far right) after a seminar when delegates visit our North Carolina home.

This is why I am delighted that our tax preparer, Conrad Oertwig, who is a master of tax savings information, has agreed to speak at our October 17-18, 2015 Value Investment Seminar.

Conrad Oertwig can assist you on tax matters.  IN FACT THIS FALL, Conrad will be offering a course and personal service on ways that one-person and family business owners can have more cash via tax savings.   Conrad is offering a report on seven ways to put more cash on the table when you earn and is releasing a course on how to save taxes this fall.

Conrad’s report is “7 Secrets to Paying Less Tax… for the One-Owner Business”.  He sent me this note to share with you about the report.

From: Conrad Oertwig

One hard fact of life is that taxes are cash.  It’s a mistake to think of taxes as taxes.  If you want to create more net worth, you need to think of taxes as cash.

How much tax cash are you leaving on the table? Thousands? Tens of thousands?

Here are just three of seven secrets I will share with Gary Scott readers at the October 17-18 Value Investment Seminar and in my report.   Learn how to pay less tax, have more cash, and build your net worth.

Secret # 1: Gain $12,976 by using two vehicles for business.  In the past, your tax adviser likely told you to drive one vehicle for business and the other vehicle for personal purposes. This old advice made it easier to claim the one car as a business car because no business mileage log was required back then. But that’s no longer true.

Today, tax law requires you to keep a mileage log to prove business use. That changes the game. With today’s rules, you gain nothing by using only one car. But the new mileage log rule gives you a possible opportunity to increase your tax deductions.

First, you might ask: Will the IRS allow me to use more than one vehicle for business?

Yes! The IRS official method for computing business use of a single vehicle is to divide business miles by total miles driven. IRS Form 4562, which is filed by proprietorships and corporations, contains spaces for up to six vehicles. In other words, yes, the IRS recognizes that you can drive more than one vehicle.

Here are the two basics that make the two-vehicle strategy work:
1:  You drive more miles than your spouse, and
2:  Both vehicles are somewhat close in adjusted basis.
To see if you can benefit from this two-vehicle strategy, and by how much (the minimum amount, really), apply the arithmetic from the before-and-after example below to your vehicles.

Before. You drive 2,000 personal and 28,000 business miles on your vehicle (93% business). Your spouse drives 8,000 personal miles on vehicle 2. Each vehicle has an adjusted basis of $24,000. Your maximum depreciation and/or Section 179 deduction is $22,400 (93% times $24,000) on the one vehicle you currently drive for business.

After. You switch vehicles with your spouse every week. You now have 73.7% business use of vehicle 1 and 73.7% business use of vehicle 2. This produces $35,376 in maximum depreciation and/or Section 179 deductions (73.7% x 2 x $24,000).

You gain $12,976 in new deductions ($35,376 minus $22,400). You did not have to drive one mile further or spend one additional penny. You simply had to know (as you learned here) that this strategy could work for you.

Secret #2:  Have a second office in the home.

Have you been told that because you have an office outside your home that you may not have an office in the home?  That’s wrong!

IRS publication 463 states, “You can have more than one business location, including your home, for a single trade or business.”  Learn why in the free report due to IRS publication 587 you want your office in the home to qualify as an administrative office.

Secret #3: Travel by cruise ship and deduct up to $680 a day.

When you know the rules, it’s easy to travel to a business meeting by cruise ship rather than by airplane or other mode of transportation.  Tax law provides various ways for you to deduct a cruise.  The free report shows an example of a trip to St. Thomas in the Virgin Islands from California or New York.

Learn about IRS Regulation 1.274-4 that gives you two one-owner business friendly rules that you can use to your benefit:

1:  The United States means the 50 states and the District of Columbia.
2: Transportation cost to a foreign destination for seven days or less, excluding the day of departure, is not subject to an allocation between business and personal days.

In the example if you fly to Miami, Florida, board a cruise ship that will take five days to arrive at St. Thomas your deductions will include the cost of:

1 :  Travel to Miami
2:   Cruise ship fare to St. Thomas (not to exceed tax law’s luxury boat limits that range in 2014 from a low of $566 to $680 per day, depending on the dates of travel)
3:   Food and lodging in St. Thomas
4:   Airfare to Miami
5 :  Travel from Miami to home

You have to admit, tax knowledge can be fun which is why I want to send you this free report.

I specialize in “nuts and bolts” tax strategies that bring tax law to life so that business taxpayers and professional tax advisers can put the law to work for them.  In fact, my mission is to clarify taxes so that you take control of your money.

Plucking common sense from the tax law is time consuming and difficult work.  Yet, after more than 25 years, I still get great satisfaction when I can clarify and extract tax dollars from the tax law not only for your pockets but also to add to your net worth.  In fact I have extracted over 400 tax savings tips and would like to share the most important lessons with you so am creating a course that will share seven tax secrets each month for the next year.

Sincerely,

Conrad Oertwig

Learn how to have a tax advantaged one person or family owned micro business.

Conrad has dozens of tax savings secrets he will explain at our October 17-18 Value Investment Seminar.   To help you get an early start, we will send you Conrad’s report “7 Secrets to Paying Less Tax… for the One-Owner Business”, when you enroll in the seminar.

Get seminar details here

 

Medical Inflation


What has the worst potential to ruin quality of life?   I believe it is medical inflation.  This problem of rising cost and lowered quality goes beyond just destroying our health.  The horrifying statistics below show why.

chicago tribune

Chicago Tribune 1942.

I came across this information while researching my latest report, The Silver Dip 2015.  I wanted to answer the question, “What is the real value of  silver?”

There are so many pros and cons about whether precious metals will rise or fall, that I wanted to keep the process simple.  I figured the easiest way to see real value is by comparing purchasing power.  I wanted to see how many ounces of silver it took to buy certain basics in the past compared to now.  If a hundred ounces of silver would buy a car or a tenth of a house 75 years ago, what would it buy now?  If it bought more then, it is likely undervalued.   If it bought less, then the price of silver would be too high.

My research had me looking at the cost of everything over many time periods. The goal was to get a handle on real inflation so this one article in the March 31, 1942 issue of the Chicago tribune (1) intrigued me.

The article says:  Randolph Paul, tax adviser to Secretary of the Treasury Henry Morganthau suggested that deductions be permitted for extraordinary medical excesses.  He mentioned that 5 percent of net income as a normal medical outlay .

Normal health care costs were 5% of an American family’s outlay at that time.  Today this percentage is stated to be between 18% and rising.  How could this be?

A US Bureau of Labor Statistics report entitled  “100 years of price change” (2) shows that after WWII health care was the fastest rising annualized increase of selected components in the cost of living from 1951–1968:

Food, 1.3 percent
Rent, 2.0 percent
Apparel, 1.2 percent
Medical care, 3.8 percent
Transportation, 2.1 percent
Services, 3.2 percent
Commodities, 1.1 percent
Gasoline, 1.9 percent

Medical care continued to have one of the highest rates of inflation in 1968-1983:

Food, 7.1 percent
Energy, 9.9 percent
All items less food and energy, 7.0 percent
Rent, 5.7 percent
Apparel, 4.2 percent
Medical care, 8.4 percent
Transportation, 7.3 percent
Services, 8.2 percent
Commodities, 6.6 percent
Gasoline, 9.1 percent

Then medical care costs really took off.   Here are some overall numbers from justfacts.com (3)

Between 1960 and 2009, healthcare spending in the United States increased:

• from a yearly average of $147 per person to $8,086 (by 55 times).

• from a yearly average of $1,082 per person in inflation-adjusted 2010 dollars to $8,218 (by 7.6 times).

• from 5.2% of the nation’s gross domestic product (GDP) to 17.8% (by 3.4 times).

Let’s think about this.  In 1942, the price for a maternity room averaged around $7.00 per day or about $100 a day if adjusted for inflation.  Today, the price for a maternity room can zoom up to $1,500 per day.

This appears to be getting worse!

A recent Finance.yahoo article shows that in 2015 there was “An eyebrow-raising jump in the prices of medical care that helped boost the Consumer Price Index” (4).   The jump was so high it surprised economists and health-care experts, who could not figure out what’s driving the large increase.

One expert told CNBC that after looking at a decade’s worth of data, and after speaking to half a dozen economists and health-care analysts about the medical care cost increase in April 2015, a major cause appeared to be hikes in the prices of hospital services.

The medical care index rose 0.7 percent in April compared to the overall Consumer Price Index rising just 0.1 percent for the month.  Hospital services rose 1.9 percent for the month which equals a nearly 24 percent annual rate of hospital services inflation.

However, rising unacceptable costs in US medical services have not brought us better medical care.  According to the Commonwealth Fund survey, US healthcare ranks dead last compared to 10 other developed countries. (5)   Americans pay more and get less.  This fact is growing worse.  This is why learning how to avoid the health care system and maintain natural good health grows in importance for a good quality of life.

Gary

Good health is a vital component in everlasting wealth.  This is why our Value Investing Seminar has one session on how to have good natural health.

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)  archives.chicagotribune.com 1942 tax credit for unusual medical costs

(2) www.bls.gov One hundred years of price change

(3)  www.justfacts.com healthcare costs

(4) Finance.yahoo.com medical cost inflation hits 8 year high

(5)  www.forbes.com us healthcare ranked dead last

Two Most Important Financial Tips


The two most important financial tips have nothing to do with investing at all.   These tips have to do with a part of our lives that has serious inflation.  Starting last April, (2015)  there was an eyebrow-raising jump in the prices of medical care. This jump was so high it surprised economists and health-care experts, who can’t figure out what’s driving the large increase.  The first monthly blip up 1.9% in one month, is an annual rate of 24% per annum.

The first first tip is “avoid medical expenses.”

medical cost inflation

Portion of income spent on health care chart from justfacts.com (1).  [Click on chart to enlarge.]

Recently I was combing through some old papers of my mom’s and found a receipt from the Providence Hospital in Portland, Oregon for my birth.  $65.  I recall paying for my first daughter’s birth, a C-section, $630.

According to justfacts.com, “In 1942, the price for a maternity room at Christ Hospital in Jersey City, NJ was $7.00 per day.  Adjusting for inflation, this amounts to $97.29 in 2011 dollars.  In 2011, the price for a maternity room at the same hospital was $1,360 per day.”

According to whattoexpect.com (2) “A 2014 study by the University of California, San Francisco found that hospital charges for an uncomplicated delivery ranged from $3,296 to $37,227, depending on the hospital.  For a C-section, costs ranged from $8,312 to nearly $71,000.”

Medical expenses have more potential to ruin your wealth than any other cost.

The second tip is “Have good health”.   One of our most powerful financial assets is good health, energy and a calm excitement  that starts every day. 

One of the best ways to create this positive mood is a morning self massage with essential oils.  Research confirms that self-massage produces oxytocin.  This Nona peptide produced by the hypothalamus linked to feelings of well being and release of stress.

A self massage balances the immune system, modulates hormones, makes the skin look and feel good as it improves our mood.  Using essential oils enhance these effects, because we can go one step further and target the mood we want to balance.

Many health sciences look at good health as being the correct interaction between three elements of the body viewed as (1) air, (2) fire and (3) water.   These elements represent motion (air), digestion (fire), and the solid form in which we exist (water).  When any of these three elements are out of balance, the imbalance creates dis – ease.

The two fastest and most powerful ways to shift these elements is through the skin or the lungs.

The Indian science of life, Ayurved, suggests a 20 minute self massage of the head, face and ears, neck, arms, hands, fingers, back and spine, legs and feet.

If you are like me, you rarely have time for that!

I already do 35 minutes of meditation, 15 minutes of exercise and a 15 minute sauna.  By that time I am ready to get going.  So I hit the important points, the face, neck, ears especially,  joints, knees, elbows and lastly the feet.   The feet and ears are considered especially important.

During the massage, I focus my thoughts on gratitude, love and am as aware and focused on each  stroke.  We are what we think and science produces evidence that the more attention we give each stroke, the more oxytocin is produced.

Four ways to avoid higher health costs.

There is a simple way to decide which oil to use because our emotions give us clues about any imbalance.  If we feel angry, the imbalance is fire, anxious is air and depressed is water.

There are four essential oil blends that Merri and I use all created by our friends, Candace and John Newman.  For years Candace traveled with Merri and me to Ecuador and visited us at our North Carolina farm to study shamans and their use of these oils… known as aqua flora.

We purchase all our oils from her because her pure essential oils are gathered from around the world and are of the highest quality to insure their medicinal properties.

She uses no synthetic fragrances.  Her blends are of the highest quality ingredients and her formulas include base ingredients such as Organic Golden Jojoba, aloe and coconut oil.  The four balancing blends are:

Soother Blend:    Cedarwood, Geranium, Patchouli, Orange, Ylang YlangThe Soother Blend pacifies an air imbalance when feeling anxious or jittery.  This blend has the grounding oils of Cedarwood, Patchouli; balancing nerves with deep sweet Geranium combined with the sweet, uplifting touch of Orange and Ylang Ylang.

Balancer Blend:    Lavender, Orange, Peppermint, Roman Chamomile.  The Balancer Blend eases fire when feeling anger or resentment.

Stimulator Blend:  Eucalyptus, Cypress, Lemon, Lavender, Rosemary.  The Stimulator Blend shakes up water, gets the rivers moving and clears with Eucalyptus, Lemon, Cypress, Rosemary. A touch of Lavender adds balance to the whole mix.

Comforter Blend:  Lavender, Rose Otto, Frankincense.  When the need for feeling just fine, the Comforter Blend keeps the balance.

Each of these four blends is available individually in a healing cobalt glass bottle with pump top for home or office.

essential oil

Learn more about these blends at Candace and John’s website.

Soother 4 oz

Balancer 4 oz

Stimulator 4 oz

Comforter 4 oz

essential oil

This chart shows how to use these essential oil blends to maintain a good natural health balance.

Hidden high inflation, especially medical costs and low interest rates create great threats to our wealth and health.  Avoid high medical costs and have good health by balancing the body with essential oils.

Gary

(1)  https://www.justfacts.com/healthcare.asp

(2)  http://www.whattoexpect.com/pregnancy/pregnancy-costs/

Learn Seven Ways to Reduce Health Care Costs at our Value Investing Seminar.  One session of the seminar covers shamanic health secrets that can help maintain good natural health.

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

 

 

 

 

What We Don’t Know


There is always something we do not know.  Financial leaders from the world’s 20 biggest economies have been meeting in Ankara, Turkey this last weekend.   News reports say these G-20 leaders agreed to step up efforts to increase growth.  They say ultra-low interest rates will not be enough to accelerate economic expansion.  The news is that the big economies came to many agreements.

We cannot depend on this news, though, because there is always something that we (and the leaders) do not know.  See how to protect against the unknown below.

WSJ image

The chart above from a recent Wall Street Journal article, “U.S. Lacks Ammo for Next Economic Crisis” says that the government is short on ways to battle the next recession.

Another recession is not imminent but is inevitable.  The current US economic expansion is now 16 months longer than the average expansion since World War II.  No US economic expansion has lasted longer than ten years.

During recessions, the U.S. government usually injects cash into the economy by cutting interest rates, reducing tax and increasing federal spending.

Lowering interest rates will be harder this time because interest rates are near zero.

Increased government spending and tax reduction will be complicated by the existing high levels of government debt and growing entitlement spending on retired baby boomers.

The U.S. is not near recession yet but Japan’s economy has shrunk for two quarters.  Europe’s growth is slow and China is suffering a slowdown.  The U.S. is the only major economy bolstering the global outlook.

In addition, China’s currency devaluation could start a currency and trade war.  The G-20 leaders in Ankara agreed not to start a round of currency devaluations.  Watch to see who might break this agreement.  There is always something we do not know!

If a trade war begins, the US dollar may rise even more in the face of currency uncertainty.   The Fed may experiment with negative interest rates and Congress may stop trying to reduce the Federal deficit and crank up the spending machine.

If a stronger dollar, lower interest rate and more government spending, all take place at once, real inflation will rise even more.

Rising costs will be harder to overcome with investments.  Low and falling interest rates make traditionally safe investments (deposits, bonds, annuities) guaranteed purchasing power losers.  Investors, seeking better returns, will pay too much for equities and push share prices to dangerous, poor value levels.

What can we do when all these conditions turn against purchasing power?

The economic scenario, where inflation rises, interest rates fall and stock markets become more volatile and risky, requires a three prong strategy.  Part one, invest in better value shares.  Part two earn through service.  Part three, reduce tax.

According to the press, the US economy looks good.  Japan, China and Europe expansions are not so good.  The G-20 appears in agreement.   Yet we cannot depend on just the media.  Good investing and lifestyle tactics that support a personal three step program to maintaining and improving our purchasing power is a good idea. There is always something we do not know.

Gary

Learn how to implement a three prong purchasing power strategy.

Learn Fun & Profitable Tax Secrets

Imagine this, micro businesses are such good ways to create wealth and reduce tax that even cruises can be tax deductible.

Small family owned businesses have some of the best tax benefits.

Micro businesses have huge tax savings using really conservative strategies.

conrad oertwig

Conrad Oertwig (far right) after a seminar when delegates visit our North Carolina home.

This is why I am delighted that our tax preparer, Conrad Oertwig, who is a master of tax savings information, has agreed to speak at our October 17-18, 2015 Value Investment Seminar.

Conrad Oertwig can assist you on tax matters.  IN FACT THIS FALL, Conrad will be offering a course and personal service on ways that one-person and family business owners can have more cash via tax savings.   Conrad is offering a report on seven ways to put more cash on the table when you earn and is releasing a course on how to save taxes this fall.

Conrad’s report is “7 Secrets to Paying Less Tax… for the One-Owner Business”.  He sent me this note to share with you about the report.

From: Conrad Oertwig

One hard fact of life is that taxes are cash.  It’s a mistake to think of taxes as taxes.  If you want to create more net worth, you need to think of taxes as cash.

How much tax cash are you leaving on the table? Thousands? Tens of thousands?

Here are just three of seven secrets I will share with Gary Scott readers at the October 17-18 Value Investment Seminar and in my report.   Learn how to pay less tax, have more cash, and build your net worth.

Secret # 1: Gain $12,976 by using two vehicles for business.  In the past, your tax adviser likely told you to drive one vehicle for business and the other vehicle for personal purposes. This old advice made it easier to claim the one car as a business car because no business mileage log was required back then. But that’s no longer true.

Today, tax law requires you to keep a mileage log to prove business use. That changes the game. With today’s rules, you gain nothing by using only one car. But the new mileage log rule gives you a possible opportunity to increase your tax deductions.

First, you might ask: Will the IRS allow me to use more than one vehicle for business?

Yes! The IRS official method for computing business use of a single vehicle is to divide business miles by total miles driven. IRS Form 4562, which is filed by proprietorships and corporations, contains spaces for up to six vehicles. In other words, yes, the IRS recognizes that you can drive more than one vehicle.

Here are the two basics that make the two-vehicle strategy work:
1:  You drive more miles than your spouse, and
2:  Both vehicles are somewhat close in adjusted basis.
To see if you can benefit from this two-vehicle strategy, and by how much (the minimum amount, really), apply the arithmetic from the before-and-after example below to your vehicles.

Before. You drive 2,000 personal and 28,000 business miles on your vehicle (93% business). Your spouse drives 8,000 personal miles on vehicle 2. Each vehicle has an adjusted basis of $24,000. Your maximum depreciation and/or Section 179 deduction is $22,400 (93% times $24,000) on the one vehicle you currently drive for business.

After. You switch vehicles with your spouse every week. You now have 73.7% business use of vehicle 1 and 73.7% business use of vehicle 2. This produces $35,376 in maximum depreciation and/or Section 179 deductions (73.7% x 2 x $24,000).

You gain $12,976 in new deductions ($35,376 minus $22,400). You did not have to drive one mile further or spend one additional penny. You simply had to know (as you learned here) that this strategy could work for you.

Secret #2:  Have a second office in the home.

Have you been told that because you have an office outside your home that you may not have an office in the home?  That’s wrong!

IRS publication 463 states, “You can have more than one business location, including your home, for a single trade or business.”  Learn why in the free report due to IRS publication 587 you want your office in the home to qualify as an administrative office.

Secret #3: Travel by cruise ship and deduct up to $680 a day.

When you know the rules, it’s easy to travel to a business meeting by cruise ship rather than by airplane or other mode of transportation.  Tax law provides various ways for you to deduct a cruise.  The free report shows an example of a trip to St. Thomas in the Virgin Islands from California or New York.

Learn about IRS Regulation 1.274-4 that gives you two one-owner business friendly rules that you can use to your benefit:

1:  The United States means the 50 states and the District of Columbia.
2: Transportation cost to a foreign destination for seven days or less, excluding the day of departure, is not subject to an allocation between business and personal days.

In the example if you fly to Miami, Florida, board a cruise ship that will take five days to arrive at St. Thomas your deductions will include the cost of:

1 :  Travel to Miami
2:   Cruise ship fare to St. Thomas (not to exceed tax law’s luxury boat limits that range in 2014 from a low of $566 to $680 per day, depending on the dates of travel)
3:   Food and lodging in St. Thomas
4:   Airfare to Miami
5 :  Travel from Miami to home

You have to admit, tax knowledge can be fun which is why I want to send you this free report.

I specialize in “nuts and bolts” tax strategies that bring tax law to life so that business taxpayers and professional tax advisers can put the law to work for them.  In fact, my mission is to clarify taxes so that you take control of your money.

Plucking common sense from the tax law is time consuming and difficult work.  Yet, after more than 25 years, I still get great satisfaction when I can clarify and extract tax dollars from the tax law not only for your pockets but also to add to your net worth.  In fact I have extracted over 400 tax savings tips and would like to share the most important lessons with you so am creating a course that will share seven tax secrets each month for the next year.

Sincerely,

Conrad Oertwig

Learn how to have a tax advantaged one person or family owned micro business.

Conrad has dozens of tax savings secrets he will explain at our October 17-18 Value Investment Seminar.   To help you get an early start, we will send you Conrad’s report “7 Secrets to Paying Less Tax… for the One-Owner Business”, when you enroll in the seminar.

Get seminar details here

 

(1) wsj.com  US lacks ammo for next economic crisis

Anti Inflation Labor


Labor is good because inflation is beyond statistics.  Labor Day is a good time to remember the value of labor.  Real inflation is why we should never give up our ability to have a fulfilling passion to serve with a labor of love.

A recent Forbes article about how the Consumer Price Index  does not really reflect inflation (1) shows why the  government has incentives to keep inflation statistics as low as possible.  A higher CPI gives 80 million people cost of living rises for Social Security, food stamps, military and federal Civil Service retirees and survivors, and children on school lunch programs.

The article also shows how over the past 30 years, the government has changed the way it calculates inflation more than 20 times.  The Forbes article suggests that real inflation now is about 4.9% price rise per annum instead of the 0.2% reported by the Bureau of Labor Statistics.

A CNCB article says “Inflation is Actually Near 10% Using Older Measure” (2).

The CPI charts below from shadowstats.com (3) shows inflation estimates as if CPI was calculated in the 1980 and in the 1990 mode.  These estimates (about 4% from the 1990 calculations and 9% from the 1980 calculations) support the Forbes and CNCB articles.  Whatever the real number, all it takes is a trip to the grocery store to know this, “the cost of living for basics (food, clothing, shelter) is higher than the government stats suggest.

Inflation Charts

Click on charts from shadowstats.com to enlarge.

Real inflation is one of the most important statistics for our future financial well being.  If any of these figures above are correct, let’s forget the percentages and look at what inflation will do to the actual value of your purchasing power.

If we have $100,000 in savings and real inflation is 4%, in ten years your $100,000 will have the purchasing power of  $67,556.  We’ll need  $148,024 to have the purchasing power of $100,000 today.

If inflation is somewhere between 4% and 10%, say 7%, then our $100,000 will have the purchasing power of $50,834.   We’ll need $196,715 to have the same purchasing power in ten years.   If the 10%  estimate is correct, our $100,000 will have the purchasing power of today’s $38,554.  We’ll need $259,374 to buy today’s $100,000 worth of goods.

Look 20 years out and lookout!  At 4% inflation $100,000 buys $45,638 worth of goods. We need  $291,112 to be even with $100,000 of today’s purchasing power.  At 7% inflation $100,00 has $25,841 of today’s purchasing power and requires $396,968.   10% inflation reduces $100,000 to $14,864 and requires $672,749 to buy the same amount as today.

The simple reality is that most of us will have to both earn more than we spend and invest wisely to keep up and get ahead.  Fortunately the process can be fulfilling and fun.

Never Give Up the Ability to Serve and Sell in a Fulfilling Way.  The ability to serve is ultimate inflation fighting tool!  Avoid the three prong crunch that’s robbing most people of their purchasing power.  First, many stock markets are a poor value and September and October are the months when markets are mostly likely to fall.

Second, The US dollar has risen so high it offers a bad value.  Third, low interest rates mean supposed safe investment don’t come close to keeping up with inflation.

We are forced to assume more risk in our investing or let the system rip us off with inflation.  Plus most of us will also have to earn beyond our investments as well.   This is good because the process can make us happier when we have missions we love.

Advertisement: Learn how to gain mastery by creating missions Learn more at Amazon.com. Click here..

Labor’s Ability to Sell.  Labor’s Ability to Satisfy.  Labor’s Ability to Beat Inflation.

Money does not guarantee happiness but up to about $75,000 a year of income, money does help.  If you are turning your passion into profit, then it is even easier to be content with your labors.   The value of labor rises with inflation.  That $75,000 threshold will be worth $38,126 in ten years if inflation is 7%.  $75,000 of today’s purchasing power will require $147,536.

Good labor is not drudgery and does not have to be work.

The beauty of learning to serve in a fulfilling way is the process of earning can be fun.

Take the example of Denis Malloy’s new book  “Eat Local Anywhere”.   Our  course “Self Fulfilled How to be a Self Publisher” helped Denis write this book.

eat local anywhere

Denis’s guide is for local restaurants in different parts of the world that are not specifically designed to attract tourists.  They are restaurants featuring authentic, local cuisine for local residents.  The moderate prices on their menus and the authentic representation make these great places to eat as you travel.

Learn more about Denis Malloy’s “Eat Local Anywhere” at Amazon.com

To research this book, here are a few of the places Denis had to travel so eat in many of the restaurants there.

Brussels, Belgium

Buenos Aires, Argentina

Quito, Ecuador

Punta Del Este, Uruguay

Santiago, Chile

Montevideo, Uruguay

Paris, France

Sait Jean de Luz, Pyrenees-Atlantiques,  France

Sheboygan, Wisconsin

Del Ray Beach, Florida

Do you think his research was drudgery?  Look at the service he provided, a valuable guide to good restaurants offering great food and low prices. here is a bigger social element here.  By helping promote local restaurants that serve good local food, Denis is helping short circuit big agri business and  chains that increasingly dominate commerce and pollute our bodies and the environment.

In addition Denis gained enormous tax advantages.

Fight inflation, reduce tax, help the world, be fulfilled.  Never give up the ability to serve.

Our upcoming Value Investing Seminar features many cash savings ideas via tax reduction.

Gary

Learn Fun & Profitable Tax Secrets

Imagine this, micro businesses are such good ways to create wealth and reduce tax that even cruises can be tax deductible.

Small family owned businesses have some of the best tax benefits.

Micro businesses have huge tax savings using really conservative strategies.

conrad oertwig

Conrad Oertwig (far right) after a seminar when delegates visit our North Carolina home.

This is why I am delighted that our tax preparer, Conrad Oertwig, who is a master of tax savings information, has agreed to speak at our October 17-18, 2015 Value Investment Seminar.

Conrad Oertwig can assist you on tax matters.  IN FACT THIS FALL, Conrad will be offering a course and personal service on ways that one-person and family business owners can have more cash via tax savings.   Conrad is offering a report on seven ways to put more cash on the table when you earn and is releasing a course on how to save taxes this fall.

Conrad’s report is “7 Secrets to Paying Less Tax… for the One-Owner Business”.  He sent me this note to share with you about the report.

From: Conrad Oertwig

One hard fact of life is that taxes are cash.  It’s a mistake to think of taxes as taxes.  If you want to create more net worth, you need to think of taxes as cash.

How much tax cash are you leaving on the table? Thousands? Tens of thousands?

Here are just three of seven secrets I will share with Gary Scott readers at the October 17-18 Value Investment Seminar and in my report.   Learn how to pay less tax, have more cash, and build your net worth.

Secret # 1: Gain $12,976 by using two vehicles for business.  In the past, your tax adviser likely told you to drive one vehicle for business and the other vehicle for personal purposes. This old advice made it easier to claim the one car as a business car because no business mileage log was required back then. But that’s no longer true.

Today, tax law requires you to keep a mileage log to prove business use. That changes the game. With today’s rules, you gain nothing by using only one car. But the new mileage log rule gives you a possible opportunity to increase your tax deductions.

First, you might ask: Will the IRS allow me to use more than one vehicle for business?

Yes! The IRS official method for computing business use of a single vehicle is to divide business miles by total miles driven. IRS Form 4562, which is filed by proprietorships and corporations, contains spaces for up to six vehicles. In other words, yes, the IRS recognizes that you can drive more than one vehicle.

Here are the two basics that make the two-vehicle strategy work:
1:  You drive more miles than your spouse, and
2:  Both vehicles are somewhat close in adjusted basis.
To see if you can benefit from this two-vehicle strategy, and by how much (the minimum amount, really), apply the arithmetic from the before-and-after example below to your vehicles.

Before. You drive 2,000 personal and 28,000 business miles on your vehicle (93% business). Your spouse drives 8,000 personal miles on vehicle 2. Each vehicle has an adjusted basis of $24,000. Your maximum depreciation and/or Section 179 deduction is $22,400 (93% times $24,000) on the one vehicle you currently drive for business.

After. You switch vehicles with your spouse every week. You now have 73.7% business use of vehicle 1 and 73.7% business use of vehicle 2. This produces $35,376 in maximum depreciation and/or Section 179 deductions (73.7% x 2 x $24,000).

You gain $12,976 in new deductions ($35,376 minus $22,400). You did not have to drive one mile further or spend one additional penny. You simply had to know (as you learned here) that this strategy could work for you.

Secret #2:  Have a second office in the home.

Have you been told that because you have an office outside your home that you may not have an office in the home?  That’s wrong!

IRS publication 463 states, “You can have more than one business location, including your home, for a single trade or business.”  Learn why in the free report due to IRS publication 587 you want your office in the home to qualify as an administrative office.

Secret #3: Travel by cruise ship and deduct up to $680 a day.

When you know the rules, it’s easy to travel to a business meeting by cruise ship rather than by airplane or other mode of transportation.  Tax law provides various ways for you to deduct a cruise.  The free report shows an example of a trip to St. Thomas in the Virgin Islands from California or New York.

Learn about IRS Regulation 1.274-4 that gives you two one-owner business friendly rules that you can use to your benefit:

1:  The United States means the 50 states and the District of Columbia.
2: Transportation cost to a foreign destination for seven days or less, excluding the day of departure, is not subject to an allocation between business and personal days.

In the example if you fly to Miami, Florida, board a cruise ship that will take five days to arrive at St. Thomas your deductions will include the cost of:

1 :  Travel to Miami
2:   Cruise ship fare to St. Thomas (not to exceed tax law’s luxury boat limits that range in 2014 from a low of $566 to $680 per day, depending on the dates of travel)
3:   Food and lodging in St. Thomas
4:   Airfare to Miami
5 :  Travel from Miami to home

You have to admit, tax knowledge can be fun which is why I want to send you this free report.

I specialize in “nuts and bolts” tax strategies that bring tax law to life so that business taxpayers and professional tax advisers can put the law to work for them.  In fact, my mission is to clarify taxes so that you take control of your money.

Plucking common sense from the tax law is time consuming and difficult work.  Yet, after more than 25 years, I still get great satisfaction when I can clarify and extract tax dollars from the tax law not only for your pockets but also to add to your net worth.  In fact I have extracted over 400 tax savings tips and would like to share the most important lessons with you so am creating a course that will share seven tax secrets each month for the next year.

Sincerely,

Conrad Oertwig

Learn how to have a tax advantaged one person or family owned micro business.

Conrad has dozens of tax savings secrets he will explain at our October 17-18 Value Investment Seminar.   To help you get an early start, we will send you Conrad’s report “7 Secrets to Paying Less Tax… for the One-Owner Business”, when you enroll in the seminar.

Get seminar details here

 

(1)  www.forbes.com Real-Rate-of-Inflation Don’t Bother With the Cpi

(2) http://www.cnbc.com Inflation Actually Near 10% Using Older Measure

(3)  www.shadowstats.com Alternate Inflation Data

Never Give Up Service


Never give up the ability to serve.   This is the number one way to guarantee you’ll never run out of money.  By the way, this is also the best way to happy, healthy and content as well.  Stock markets rise and fall.  Gold and silver reach bubbles that burst.  Recessions and depressions drain pensions and the ability of governments at every level to keep their promises.

grandfather economic report

See the deadly impact of faltering stocks and a dangerous dollar below.  Chart from economic report on inflation (1)

For example Illinois has a very poor A- credit rating, the same as Botswana, Latvia and Slovenia, and even then is on a credit watch with negative implications.  This state has a $111 billion pension shortfall, $7 billion in unpaid bills and by 2013 had just 39.3 percent of assets needed to meet promises to retirees.

Pension funds all over the world face this type of problem.  Pensions have too many promises, too little cash and too little time until increased demand.   They have been forced to increase risk to fulfill growing obligations to retirees.  So far these pensions have seemed to mitigate the problem because they are heavily linked to the rise and fall of global stock markets.  These markets were on the rise.

No more!  As markets fall, a shift is taking place that creates a self reinforcing, downwards spiral.

For example, the board of America’s second-largest pension fund, California State Teachers’ Retirement System, is considering a significant shift away from some stocks and bonds.  The fund of $191 billion is considering a significant shift away from some stocks and bonds, because it currently has about 55% of its portfolio in stocks.

Hawaii Employees’ Retirement System, is also thinking of taking 10% to 20% of its $14.4 billion in assets out of stocks and certain bonds into what it considers to be safer bets of U.S. Treasurys.

What happens when an already weak market is faced with huge sell offs like this?  Even worse, what happens when these pensions shift into seemingly safe U.S. Treasuries and the US dollar crashes?  Maybe the pensions will be able to deliver promised numbers.

Advertisement:  “See How to Profit From Silver When the Stock Markets Dips

However, the question we must grapple with is do these numbers have any purchasing power?

Never give up the ability to serve.   That ability is the one value that is most likely to overcome the ravages of inflation.

bob gandt

Order Mastery by Bob Gandt and Gary A. Scott $6.99 at Amazon.com

This is why I was so happy to contribute to Bob Gandt’s book “Mastery, A Mission Plan for reclaiming a Life of Purpose, Fitness and Achievement”.

“Mastery”  provides a step by step plan for recovering the ability to restore health, restore enthusiasm and restore action.

“Mastery” points out an even more important reason why you should never give up the ability to serve.  Giving yourself over to the care of others can destroy the body as well as the soul.

Yesterday’s Wall Street Journal article “Seven VA Home Residents in Illinois Die of Legionnaires” (2) shows what can happen when people let others take over their care.  The realities of overworked, underfunded agencies is often far different than the promises of the past that politicians made.

A reader of Mastery sent this note that highlights the importance of  having missions and fulfill a purpose:

Bob, Got your email on Mastery and ordered in in print and downloads in Kindle.  Working in ministry to military, veterans and families, I view this as a valuable resource.  The suicide rate of my generation of fellow Vietnam Vets is staggering.  Despite the negative Hollywood portrayal, Vietnam vets were highly productive, educated and lived full and rewarding lives.  So why kill themselves after retirement? I’ve been speculating that it is because of lack of mission and purpose.  As kids going into the military, most quickly learned about mission and purpose.  That learning translated into the knowledge and tools that made them successful in civilian life.  Now retired, they have no mission and no purpose, allowing some of the horrors of war and the like, to flood their minds.  Mastery provides a guide to finding a mission and regaining a purpose in life.  The VA and ministries to veterans will find your book a great aid to regaining a full, productive and meaningful life. Bravo Zulu!

Never give up the ability to serve.  Have a purpose. Create missions.  You’ll live longer, happier and be more fulfilled.  You’ll have the best inflation fighter too.

Order “Mastery” By Bob Gandt and Gary A. Scott $6.99 at Amazon.com

Gary

Learn how to make value investments that earn at our October 17-18 Value Investing Seminar.

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)  Grandfather Economic Report on Inflation

(2) www.wsj.com seven-va-home-residents-in-illinois-die-of-legionnaires

Cost of Food Creates Opportunity


We can see how problems create opportunity when we look at the rising cost of food.

familyfarmer.org

Inexpensive food, or not?  Image from the Family Farmer.org (1)  Click on images to enlarge.

Here is a short study on how to gain a micro publishing opportunity from a big problem.

Inflation statistics are skewed away from food commodities as food prices tend to be seasonal and more temporary than broad long-term inflation trends.

For example, right now broad measures of inflation have been below the Fed’s 2% target for over two years.  This spring, retail prices of ground beef  rose 10.4% from a year earlier.  Pork chop were up 12.7%.   Fresh fruit rose 7.3%.  Oranges rose 17.1%!

The cost of food has risen a lot, but this does not show up much in US inflation statistics because Americans do not spend a large portion of their income on food. (2)  This is a problem that is likely to grow and here is how this can create opportunity in publishing and writing.

If food prices rise, information on how to shop and eat well for less will grow in value.  The demand for this type of information can soar.

America spends a lower percentage of its income on food than any other country.   This is likely to change because the cost of food production has been passed onto other areas of American commerce.

The American agricultural subsidy program began to stabilize food supply and support farmers from the volatility of the 1930s depression.  This program morphed into subsidies for grains like corn and soy.  This along with cheap fuel, fertilizer and pesticides  supported huge agribusinesses and destroyed the family farm.

Big Agriculture subsidies around $261.9 billion between 1995 and 2010 (3) dramatically increased cheap corn, which in turn became cheap meat, milk, eggs, and sweets.  Thus the cost of cheeseburgers and soda, milkshakes and chicken nuggets remains low, if you do not take into account what they do to the nation’s health and energy.

This creates demand for ways to have healthy food without it being a luxury.

The American food production policy, to produce calories as cheaply as possible has several flaws, resistant disease and insects for one. New disease for which there are not cures.  Water shortages for another.  In just one of many examples, the Ogallala Aquifer, yields about 30 percent of the ground water used for irrigation in the United States.   Since 1950, agricultural irrigation has reduced the volume an estimated 9% and depletion is accelerating.  Certain aquifer zones are now empty and will take over 100,000 years to replenish naturally.  Some estimates indicate the remaining volume could be depleted as soon as 2028.

These hidden costs of American food allow the problem to sneak up on huge segments of the population.

This makes it likely that Americans will be somewhat surprised by a need to spend more on food. They’ll need to learn ways to eat better for less.  This is a huge problem.  There are many solution and examples because one can look at how other countries spend for their food.

economist chart

Chart from Economist article “Thought for food”  (4)

This is a simple yet powerful way to publish. I have done this for decades in financial publishing.  Because the US had the biggest economy, its banking and investing educational industry was ossified.   There were tons of other “How To” examples in other countries.  This has provided a powerful micro publishing business for me for decades.

The chart above shows that there are 42 countries where the people pay a bigger percentage of their income for food.  That’s 42 places to look for ideas and information to share and publish.

Gary

Join us for the Labor Day weekend and learn how to write and self publish.

Seven P Secrets of Self Publishing

When you write, you can work anywhere. 

gary-scott-image

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

gary scott

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

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

All I need is my laptop.

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

Before computers, a pencil and pad did the job.

Freedom is just one benefit you can gain from writing.

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

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

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

That’s what he’s doing now.

Hugh Howey

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

Writers like High are great inspirations.

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

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

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

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

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

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

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

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

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

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

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

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

First some history.

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

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

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

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

Self Publishing has become a new business art form. 

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

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

Everything is new… except the seven secrets. 

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

The First P is Passion.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The seven Ps are:

#1: Passion

#2: Problem

#3: Person

#4: Profitably Priced Product

#5: Prospecting Pathway

#6: Promise

#7: Presentation

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

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

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

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

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

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

This correspondence course is for those who would like their own international self publishing micro business for fun and profit. If you want fun, freedom, extra income and fulfillment with your own full or part time writing or want to build your existing business, by writing to sell you can profit from this course.  The course can help who want their own business or who want to have a business together or a family business.  This is the perfect course for those who can no longer find employment, who are looking for ways to earn abroad and who wish to retire and supplement their income.

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

Here is a special offer. 

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

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

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

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

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

David Cross

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

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

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

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

David is an essential part of our web based business.

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

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

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

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

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

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

Plus you get more in the program.

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

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

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

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

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

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

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

 

(1)  www.familyfarmer.org/awg/

(2) online.wsj.com “As food prices rise fed keeps a wary eye”

(3) Mother Earth Jones “America Spends Less on Food Than Any Other Country”

(4)  Economist “Thought for food”

Emerging Markets Oppenheimer


Consumers, (by the way, this does not have to be you and me) are losing ground.

montreal

Learn about emerging markets in Canada.

Why invest in emerging markets?

Inflation has been low.  At least this is what we are told.   Those who come up with these statistics must not have been shopping for basics.

Finally the stats are telling a different tale.

Consumer prices last month posted their sharpest increase in 15 months as inflation continued a recent acceleration from unusually low levels.  The consumer price index jumped 0.4% after rising 0.3% in April, the Labor Department said Tuesday. Economists had expected an 0.2% increase.

Over the past 12 months, prices have increased 2.1%.

The bigger problem is that essentials are hardest hit.   Food costs jumped 0.5%, the largest increase in three years.   Meat, poultry fish and eggs rose 1.4%.  Fruits and vegetables rose 1.1%.  These categories have been rising for months.

Energy costs also surged, with gasoline prices rising 0.7% and electricity costs increasing 2.3%.

Airline fares jumped a whopping 5.8%!   Medicine was more.  Prescription prices surged 0.7%.

At the same time the U.S. Bureau of Labor Statistics  reported that the real average earnings seasonally adjusted for all employees fell 0.2 percent from April to May 2014.

Let’s sum this up.  Prices for basics are rising.  Real earnings are falling and banks won’t pay you much of anything on your savings.

This means that many people will be poorer.  We should not be surprised.  History is a never ending story of nations that rise and fall.  Nations, like everything  in the universe are ruled by the bell shaped curve.

This does not mean that everyone will be poorer.  We do not need to be.

One way to maintain purchasing power and prosper in this atmosphere is to take advantage of the bell shaped curve and invest where the economies are rising instead of falling.

royal bank of canada chart

Chart from Royal Bank of Canada website (1).

One way to add extra profits is with a diversification into emerging markets.

A Wall Street Journal article “In Emerging Markets, What Scares Most Investors Entices Oppenheimer” (2) by Landon Thomas Jr. tells why Justin M. Leverenz, who runs America’s largest emerging markets mutual fund at Oppenheimer Funds is convinced that countries such as China, Brazil, Russia and especially India have  economic and social change that won’t be reversed.

The fund he manages has used investments in internet stocks in China and Russia, to housing finance companies in India, to push up the price  by 27 percent in the last three years.

He avoids conventional market vogues and says in the article “This is where my nervousness helps me,” he said. “Just like at a party where you can make observations about people when you are not hanging out with them, you can do the same in the stock market. You can see patterns that are emerging and then you can pounce.”

yahoo chart

Major markets have risen as a whole over 56% in the past five years. (3)   (Click on images to enlarge)

yahoo chart

Emerging markets as a whole are up barely half as much, 34% in the past five years. (4)

The emergence of emerging markets is a fact.  The world has changed and the biggest economic growth is in emerging markets.  Yet since the last recession, emerging markets have not recovered as fast as major markets.   They will catch up.  This creates value and an opportunity to enhance purchasing power so we do not losing ground now.

Gary

Value Investing Webinar

Old Accord Creates New Profits – Multi Currency Investments.

Earn more with multi currency stock market breakouts.

Improve Safety – Increase Profits

Learn how to improve the safety of your savings and investments by selecting good value and diversified investments in a multi-currency portfolio.

Few decisions are as important to your wealth as the value of the markets and currencies you invest in.  This has been our area of expertise since the 1970s and we have worked with and advised some of the largest currency traders in the world.

Gain Protection First – Against the Dollar’s Purchasing Power Loss.  In 1913 the The Federal Reserve Act created the Federal Reserve Bank to protect the purchasing power of the US dollar, which has since lost about 94% of its purchasing power.  Here is its price compared with gold since 1900.

priced in gold

Dollar chart from pricedingold.com (1)

The Fed has let the dollar lose most of its strength plus has allowed interest rates to fall so low, that safe investments cannot keep pace with the drop in purchasing power.

multi-currency-chart

Chart from Grandfather Economic Report (2)

Many investors have forgotten about the risk of a falling dollar because the greenback has been strong for the past five years.  This temporary dollar strength came after the great recession of 2009 just as there was temporary dollar strength after the great recession of the 1980s.  Then about six years after the recession, an agreement was made by major governments to weaken the dollar.

There was a severe global economic recession affecting much of the developed world in the late 1970s and early 1980s.  The United States and Japan exited the recession relatively early, but high unemployment would continue to affect Europe and the UK through to at least 1985.  As a consequence between 1980 and 1985, the US dollar had appreciated by about 50% against the Japanese yen, Deutsche mark, French franc and British pound, the currencies of the next four biggest economies at the time. Then the governments reached an agreement and exchange rate values of the dollar versus the yen declined by 51% from 1985 to 1987.

Now the world is again in the same place.  The recession is over.  Europe is a bit behind in recovery and the dollar is higher than before the recession.

There is no reason for the greenback to be  strong.

The agreement in 1985 was called the Plaza Accord.   Over just two years the greenback dropped nearly 50% versus other major currencies.  The next accord will generate great profits for those who know what to do while it ruins the purchasing power of dollar back investments.

The strong US dollar and low interest rates have created one of the biggest stock and multi currency breakout opportunities in history.  Learn how to create a plan to profit from multi currency shifts ahead.

One reason for the potential gains is that stock markets and currency values are cyclical.  Due to low interest rates created by the 2009 economic downturn, the US and a few other equity markets have risen to some of their highest prices, ever.  These markets offer very poor value now.  The steep valuation creates incredible profit potential but also hides some enormous risks.  Learn how to develop an investing strategy based of earnings, cash flows, dividends and book values to increase potential for profit and reduce the risks.

Next Extra Profit Created by Value Breakouts

Over the history of US equity markets, the  price of overall markets have risen about 9.1 percent, respectively, compounded annually.  Yet over more than a hundred years of stock market activity,  a majority of the profits have come from just a very few dramatic breakouts.

Equity markets are ruled in the short term by emotions that create unpredictable ups and downs.  Numerous fears of defaults, worries of double dip recessions, high unemployment, concerns about fiscal cliffs, hold investors back.  Yet global population growth and advances in production and prosperity are relentless economic fundamentals that increase value.

When fear holds back a a fundamentally rising value, rising profit potential grows.  Values increase as prices stagnate.  Then markets break free and rocket upwards creating wealth, prosperity and growth.

Find out which breakouts are likely to take place next.

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 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 create war.

Here is the war stock cycle.  Military struggles (like the Civil War, WWI, WWII and the Cold War: WWIII) 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.

Learn how the Cyber War (WWIV) may change the way we live and act and how this will affect currencies and investments.

Learn:

* 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), but 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 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.

Learn how much leverage to use.  Leverage is like medicine, the key is dose.  Buffett leverages his portfolio at a ratio of approximately 1.6 to 1.  This rate of expansion by the way is called the “Golden Ratio”.  It is a mathematical formula that controls the growth of most natural things; trees, the shape of leaves, the spiral of shells, as well as the way economies and societies grow.

We’ll sum the strategy, how to leverage cheap, safe, quality stocks and for what period of time based on your 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 (almost) years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy investing more with slow, worry free, good value investing.  Stress, worry and fear are three of an investor’s worst enemies.  These are major foundations of the Behavior Gap, a trait exhibited by most investors, that causes them to underperform any market they choose.  The behavior gap is created by natural human responses to fear.  The losses created by this gap grow when investors trade short term under stress.

Learn how to put meaning into your investing by creating profitable strategies that combine good value investments with unique, personal goals.

Learn how to span 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, when they should embrace risk.  Purpose is the most powerful motivator,  stronger than fear and greed.  One powerful way to overcome the behavior gap is to invest with a purpose.

Combine your needs and capabilities with the secrets and the math of our good value model portfolio.

Share ideas about my good value portfolio.  My personal investment portfolio comes from a continual analysis of international stock markets and a comparison of their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.

Markets included in this portfolio are:

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

These markets have been chosen based on four pillars of valuation.

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

Learn how to use Country ETFs to easily construct a diversified, risk-controlled, equally weighted representative country portfolios in all of these good value countries.

To achieve this goal my portfolio consists of Country Index ETFs that track an index of shares in a specific country.  These country ETFs provide diversification into a basket of equities in the good value countries.  The expense ratios for most ETFs are lower than those of the average mutual fund as well so such ETFs provide diversification and cost efficiency.

This is an easy, simple and effective approach to zeroing in on value because little management and guesswork is required.  You are investing in a diversified portfolio of good value indices.  A BUY rating for an index does NOT imply that any stock in that country is an attractive investment, so you do not have to pick and choose shares.  You can invest in the index which is like investing in all the shares in the index.  All you have to do is invest in an ETF that in turn invests passively in all the shares of the index.

Learn 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 a test.

The Test for Low Cost Trading

Research put every part of this portfolio in place, except knowing the best, easiest and least expensive way to buy.  A search for an optimal way to buy and hold boiled down to two methods.  One tactic to test was to use a unique online broker that appeared to offer the lowest cost deal.  The other approach was to use a community bank in Smalltown USA.  The small town bank that I use looks after my 401K trust account and their service is first class.  The benefit of small banks is that they still treat us as a human beings (instead of a number) and when we need, it’s easy to go right to the top to answer a question or get a problem resolved.  There are no call centers and the bank and the person looking after my account is just around the corner.

I created a test to see which offered the least expensive service.

Working with my banker in Smalltown USA,  I created two accounts, one at the online broker and the other at the bank. I placed $40,000 in each.

I set up the order for the country ETFs online, while my trust manager set up orders for the identical amounts of the same shares in his system.  Then we got on the phone, coordinated our timing and on a count of three each pushed the button “BUY”.

The results of this test  show how you can gain on any purchase of country ETFs.

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 2017” 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 2017” 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

 

Gary

(1) Dollar chart from pricedingold.com

(2) Grandfather Economic Report

 

(1) Royal Bank of Canada website.

(2) In Emerging Markets, What Scares Most Investors Entices Oppenheimer

(3) http://finance.yahoo.com/echarts?s=XWD.TO+Interactive

(4) www.finance.yahoo emerging market chart

Pace of Income and Work


The pace of income and work are often related.  So let’s examine the concept of spurts in work.

This message is inspired by a note I just received from Hugh Howey about his book signing tour across Europe. Doesn’t that sound fun… getting paid to travel to Frankfurt, Paris, Madrid, Helsinki, Istanbul, Rome, Amsterdam and Milan?  See Hugh’s message below and you’ll better understand the ups and downs of spurts.

Understanding spurts of work can be important because the purchasing power of the dollar is losing ground.  There is growing opportunity in the global community… more people… more supply…. more demand… better communication.  Currently this global economic model is making the rich richer and the poor relatively poorer. The global technology favors those who can communicate and who can write to sell.

gary scott ecuador

Researching in Ecuador. Is this work?

One way to gain from this increased pace of opportunity is by writing to sell.

Often a writer’s life looks really easy.  Yet there are times when really hard work is required.

This excerpt from Lesson One of our Self Publishing course “Self Fulfilled – How to be a Self Publisher” explains.

A Day in the Life of a Publisher

Morning mists of early dawn lay in sheets at meadow’s edge. Pale sunlight warms morning birds that dance on pine straw and applaud the rising sun. Their song is harmony with the creek rushing below, nature’s sweet symphony in tune with the freshness of this new day, pure and ready to enjoy.

North Carolina-deep in the mountain forest. The morning starts with a blazing sunrise in the Blue Ridge. I am sitting in the fresh, cool air armed with a steaming mug of coffee to ward off the morning’s chill and watching the sun reveal itself in amazing hues of salmon and orange.

My day’s work is nearly done. I often start writing at five, even four in the morning. My goal? To write four hours a day. I often finish at nine or even eight. Then, depending how the day feels, I can say my day’s work is done.

Not every day is this short. Some days my wife, Merri, and I write a marathon staying at the keyboard seven, eight, even twelve hours!

For the rest of most days, I do mostly as I feel. If the grandkids are home, we’ll play. Other days, I just putter. Some days I take out a canvas and paint or concentrate on playing my flute.

Such is the day in the life of a publisher. This life is as perfect as any I could ask for.

Through publishing and writing my wife, Merri, and I have become wealthy beyond our dreams. More important we have become self-fulfilled!

This course shows how you can be a writer, publisher/self-publisher, make millions (if you wish) and most important, be self-fulfilled too.

Let me be honest. I can work four or five hours a day but normally work more. I probably work more hours than most. Often I write seven days a week plus spend even more time working at the rest of my publishing business.  To be really financially successful, especially in the beginning, publishing will probably require you to work hard too.

What sets publishing above most businesses is that you can choose the amount and type of work you want to do.

Since the work can be of your choosing, it can also be fun. With fun, work doesn’t seem like an effort.

I start my work early because I love doing so. I feel cozy sitting quietly in the sunrise creating thoughts and ideas to share with my readers.

The reason Merri and I can have a leisure schedule today is because we included spurts of really hard work when we were in our earlier years.

Sometimes what seems glamorous to those who are not doing it… is just exhausting.  Hugh Howey is enjoying great success and he realizes that this is not the time to slack… but instead do even more.

He reminds me of all out effort when Hugh Howey wrote at his website:   It was a long day of travel, interviews, and a bookstore event.  I get back to the hotel room I have not really seen, and I collapse into bed around 11:00. Before I know it, my phone alarm is going off. And there’s my father calling me on Skype. We try to connect, but the signal is too weak. I need to get ready, anyway.

I jump in the shower, get dressed, pack everything away. Glancing at my watch, the minute hand is at only half-past. The car is coming for me at 7 to take me to the airport. Enough time to fire off a few emails, so I sit down and do that, my brain in a fog.

I’m so exhausted that I almost feel jetlagged, even though I’ve been in this time zone for three weeks now. I could so easily go right back to sleep. But it’s time to get downstairs and head to the airport. I’ve got three flights today: Barcelona to Madrid, Madrid to Copenhagen, and Copenhagen to Helsinki. I feel like the crazy lab assistant at the end of 12 MONKEYS.  Read the entire story here

Hugh read his clock upside down and was waiting on the curb for his taxi at 1am… thinking it was 7am.  Been there, done exactly that!  This takes me back to a jet lagged breakfast I cooked in Maui Hawaii at 1am.  12:30 just after minute looks just like 6:30 am from an overtired, jet lagged view.

Those I awakened for that big sunrise breakfast… when realizing… that the sun was not about to rise… were not amused.

Merri and I crossed the Atlantic every three weeks for years in the process of getting our business going.  We used to conduct three one day seminars a week across the USA to develop experience, and build skills.  This allowed us a more leisure pace today… but to get started you’ll often be required to have a more strenuous pace.

How to Go About Setting Your Pace of Work

Your pace will depend on your nature and your circumstances… what is of more immediate importance… improved  lifestyle and fulfillment or enhanced earnings?

To help you better understand how to set your pace when writing to sell, here are three interviews with three great writers… whom I asked how much and when do they write.

Click here to see three interviews on how to pace your writing to sell.

All currencies are losing purchasing power in a world where opportunity is growing…a bigger population of producers and consumers who can communicate better.

These facts help many become richer when they combine writing to sell with spurts of fun, but often turn out to be hard work.

Join us in Historic Florida and learn how to write to sell.

herron cay

The Herron Cay B&B is just minutes from the Writer’s Camp venue and one of the places to stay near the course.  They advertise “The ONLY Bed & Breakfast in the area to offer ‘AIR SERVICE’ at the Front Door !!  (A function of the weather, however!)”

Gary

Writer’s Camps – Recorded on MP3

Learn how to learn how to wrote and self publish from our recorded Writer’s Camp…

Seven P Secrets of Self Publishing

When you write, you can work anywhere. 

gary-scott-image

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

gary scott

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

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

All I need is my laptop.

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

Before computers, a pencil and pad did the job.

Freedom is just one benefit you can gain from writing.

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

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

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

That’s what he’s doing now.

Hugh Howey

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

Writers like High are great inspirations.

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

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

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

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

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

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

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

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

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

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

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

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

First some history.

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

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

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

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

Self Publishing has become a new business art form. 

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

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

Everything is new… except the seven secrets. 

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

The First P is Passion.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The seven Ps are:

#1: Passion

#2: Problem

#3: Person

#4: Profitably Priced Product

#5: Prospecting Pathway

#6: Promise

#7: Presentation

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

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

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

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

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

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

This correspondence course is for those who would like their own international self publishing micro business for fun and profit. If you want fun, freedom, extra income and fulfillment with your own full or part time writing or want to build your existing business, by writing to sell you can profit from this course.  The course can help who want their own business or who want to have a business together or a family business.  This is the perfect course for those who can no longer find employment, who are looking for ways to earn abroad and who wish to retire and supplement their income.

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

Here is a special offer. 

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

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

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

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

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

David Cross

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

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

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

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

David is an essential part of our web based business.

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

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

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

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

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

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

Plus you get more in the program.

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

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

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

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

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

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

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

 

New Government Land Grab


A new government land grab enhances the importance of multi dimensional lifestyles.

We’ll see how this land grab has the potential to cause long term food price shock.

First, let’s look at the problem of food prices even before the land grab.

L1000290

An orange from our grove.  Could orange be better than gold?

A December 17, 2012 Fortune article at www.finance.fortune entitled “What about food inflation, Bernanke?” by Nin-Hai Tseng shows the problem.

Here are excerpts: The Federal Reserve wants to prioritize jobs over inflation. How will Americans feel about that when they’re paying more for groceries next year?

In an unusual move, the U.S. Federal Reserve last week signaled it would put its focus on jobs ahead of inflation next year by buying up billions of dollars worth of bonds until the unemployment rate falls to at least 6.5%.

But while the Fed moves on with its bond bonanza assuming rapidly rising prices won’t be a problem, or at least not any time soon, it will be hard to convince shoppers at the grocery aisle.

It’s true overall inflation has been mild thanks in part to lower prices across gas stations nationwide. The seasonally adjusted Consumer Price Index dropped 0.3% in November from October, the Labor Department reported Friday. This comes as gas prices saw the biggest drop in nearly four years, falling 7.4%, during the same period.

Food prices are telling a different story, however.

The producer price index, which tracks how much wholsesalers pay for goods, fell 0.8% in November. However, the price for food rose 1.3% — the biggest increase since February 2011, according to a report released Thursday by the Labor Department.

Producer food prices are up 2.6% from a year earlier, compared with an annual gain of just 1.5% for all goods. In particular, chicken prices have surged 14.3% during the last year and wholesale beef and veal prices rose 8.2% in November, the biggest monthly gain since 2008.

For months, the US Department of Agriculture has warned about higher food prices. Next year, U.S. consumers may pay 3% to 4% more for food, the agency forecasts. The price of beef may rise as much as 5% amid tighter supplies of corn, which is used to feed cattle. Since June, the price of grain, the country’s biggest crop, rose by more than 50%.

A growing growing global population calls for growing supplies of food.

Investor interest in agricultural commodities has been spurred over the past decade by the rise in global population.

The world population has risen from 3.2bn towards 8bn in the 75 years and is projected to reach  9-10.5bn by 2050.

A 2011 study by the University of Minnesota suggests that global food demand will double by 2050.

food chart

Source Iowa State University: 2011. (click on photo to enlarge).

This chart by from Iowa State University shows how agricultural demand will rise in three different ways.  Starting in 1966  the bottom line estimates the increase in food demand. The middle line shows how  calorie consumption has increased by 23% since 1966.

The top lines shows what will happen to food demand by 2050 if people in China and India eat as much meat and dairy per person that was being consumed in the US and Europe in 1966.

Land Grab

Interestingly if you live in North America, this land grab is thousands of miles away in Africa.

The Financial Times reported in the September 2012 issue that $83b would need to be invested in agricultural in developing countries.

This need clashes with the need to reduce intensive farming that depletes soil and water and big agriculture business that puts a huge chunk of the world’s population out of work.

In the Economist article, “Land scramble jeopardizes years of agricultural investment” by Irungu Houghton, Pan-Africa Director, Oxfam, Nairobi, Kenya he wrote:   The scramble for land is the latest challenge to Africa’s development.  More than 50m hectares of Africa’s productive agricultural land, equivalent to an area the size of Kenya, have been turned over to foreign investors for biofuel and food exports in 10 years.

Driven by cash-rich countries, western agribusinesses and equity firms, the trend threatens to reverse the progress being made by many African governments to modernise agriculture and support the livelihoods of millions of small farmers. For a continent in which 40 per cent of its people barely gets enough to eat, this is scandalous.

When presented with the facts last year, Africa’s highest legislative body, the Pan-African parliament, was so alarmed that it called for a moratorium on all new large-scale land acquisitions until laws and policies have been put in place to regulate land and water use.

This land grab by the Pan-African Parliament may have good ethical and long term social underpinnings.  However it could turn out to no good as well depriving both the small farmer and emerging markets a huge source of arable land.

The Western world is no longer immune to inflationary forces from the emerging world.  If there is a food shortage…  emerging countries will compete right along with the industrialized nations.

Three Ways to Beat Rising Food Prices

The basic answer is obvious… hedge your investments again rising food prices by investing in food.

#1:  Create all or part of your own food.    Our business associate, webmaster (and son in law) has done this.  Our recent post “Water the Roots” examines this idea. Read this post at 13 reasons to own a farm.

#2: A second way is to invest is in food related ETFs

One Agricultural ETF is the Market Vectors Agribusiness ETF (MOO).

Moo chart

Five year share price chart of MOO.

Market Vectors Agribusiness ETF tracks the DAXglobal Agribusiness Index and aims to invest 80% or more of total assets in equity securities of U.S. and foreign companies primarily engaged in the business of agriculture, which derive at least 50% of their total revenues from agribusiness.

Here is the current main investments in MOO shown at www.finance.yahoo.com. (See link below).

Moo portfolio

The poor performance of MOO… a share price down 4.57% over five years in a sector strongly supported by rising revenues is suggestive of a build up in value.

I won’t invest personally in this type of ETF as I dislike the idea of investing in GMO and chemical companies.  However I feel obligated to show you all possibilities.

Another way to use ETFs is by investing in  ETFs & ETNs that invest in agriculturally based commodities using futures.

These are not perfect hedges because there can be differences between commodity prices and “real life” food prices.

The following ETFs offer this potential.

PowerShares DB Agriculture Dble Long ETN (symbol DAG). This ETN  is 200% Leveraged (Double Long) focused equally on Wheat, Corn, Soybeans.

Dow Jones-UBS Grains Total Return Sub-Index (symbol JJG).  This unleveraged ETN invests solely on grains, currently Corn, Soybeans and Wheat.

AB Svensk Ekportkredit MLCX Grains Index Tracker  (symbol GRU).  This unleveraged ETN invests in Wheat, Corn, Soy Meal and Soybeans.

iPath DJ-UBS Agriculture TR Sub-Index (symbol JJA).  This unleveraged ETN is more broadly invested commodities such as Soybeans , Corn, Wheat, Coffee, Soybean Oil, Cotton and Sugar.

PowerShares DB Agriculture Fund (symbol DBA). This is an unleveraged ETF with broad exposure to agricultural commodities. The base index weightings are: Soybeans, Live Cattle, Sugar #11, Corn, Coffee , Cocoa, Lean Hogs, Wheat, KC Wheat, Feeder Cattle and Cotton.

AB Svensk Ekportkredit ELEMENTS Rogers Intl Commodity Agri ETN (symbol RJA).  This unleveraged ETN invests in a broad commodity index compiled by well know investment analyst Jim Rogers.

These ETFs again are fixed to big agri business which many of our readers dislike (as do we) so the first alternative (grow your own food) or the alternative below are more environmentally sensitive.

For more details on ETFs contact Morgan Hatfield an investment adviser at Ruggie Wealth at mhatfield@ruggiewealth.com

#3:  Do as I have done… buy some food producing real estate.

I like this option because I can use Bio Wash to make the land less pesticide and chemical intensive… hopefully eventually free.

Plus our experience in agriculture has been quite good.

citrus-

Our farm and home for multi dimensional living.

We just harvested our third crop and it looks better than last year.

The year we took over the grove there were 1,500 trees and they produced 1801 boxes of oranges.

We removed one third of the lower producing trees in a grove management plan. We sprayed the remaining 2/3rd with Bio Wash.

With 500 fewer trees, the grove produced 2,484 boxes of oranges that year!

So we doubled the Bio Wash spray and the next year harvest was over 3,400 boxes still with a third less trees than we started.

We increased the spray again and this year and the harvest looks even better.  I’ll know shortly and will report.

Plus like food prices… the price of oranges has risen. Our first year we received $8.50 a box. Last year prices rose to $10.20 and this year our grove manager is talking of $12 to $14 a box.

We have planted 500 new trees so this should add quite a boost beginning in two more years.

Each time I visit the super market and am hit by sticker shock… I just remember these facts and it makes the high cost of food a bit more digestible.

During these times of rapid change it is hard to rely on old social economic promises.  This makes any certainty increasingly more valuable.  One reliable fact about humans is we have to eat!

As food prices rise… you can hedge this inflation by investing in food in one of the three alternatives above.

Gary

Join us to learn about multi currency investing… investing in agriculture and multi dimensional real estate in the USA and Ecuador at our February 1-2-3, 2013 Super Thinking + Investing and Business Seminar.

Read Fortune article on food inflation

Read FT article  Land scramble jeopardizes years of agricultural investment

See more on Market Vectors Agribusiness ETF at www.finance.yahoo.com