Tag Archive | "international investments"

Be Free of the Concept Conversion Trick


Happy 4th of July and Happy Belated Canada Day for our Northern friends.  Understanding how to maintain personal independence and freedom despite what happens in the world have been important to me since I left the US in 1968.

I expressed freedom concerns and described the Concept Conversion Trick in my first book about international investing   (published in the 1970s).

passport

That book was published at the epoch of the American Dream and the Concept Conversion Trick was described in this way.

“The Concept Conversion Trick works like this: A government starts when people agree on a good concept for working and living together.  The people go to work and if the concept is good they will create a paradise.  The government gives them a flag and a song.  Then they pull the trick.  They convince the people that the flag and song are important and while the people are busy watching the flag and singing the song the government replaces the concept with a set of ever increasing written rules and regulations administered by bureaucrats and backed up by a police force.”

I was worried about US debt and the Vietnam War back then and would feel somewhat prophetic if this trick had not been pulled again and again for thousands of years.

Since this celebration of US Independence almost coincides with Canada Day and Canada is having a special 150 year celebration, I am reminded of an article in the New York Times, “It’s Now the Canadian Dream” (1) by Nicholas Kristof  that highlights how much political trickery has taken place in the US since the 1970s.

Here is an excerpt from that article:  It was in 1931 that the historian James Truslow Adams coined the phrase “the American Dream.”   Yet today the American dream has derailed, partly because of growing inequality.

Or maybe the American dream has just swapped citizenship, for now it is more likely to be found in Canada or Europe.   Canadians receive essentially free health care, while Americans pay for part of their health care costs with after-tax dollars.  Meanwhile, the American worker toils, on average, 4.6 percent more hours than a Canadian worker, 21 percent more hours than a French worker and an astonishing 28 percent more hours than a German worker, according to data from the Organization for Economic Cooperation and Development.

Canadians and Europeans also live longer, on average, than Americans do. Their children are less likely to die than ours.  American women are twice as likely to die as a result of pregnancy or childbirth as Canadian women.  Most sobering of all: A recent O.E.C.D. report found that for people aged 16 to 24, Americans ranked last among rich countries in numeracy and technological proficiency.

If this drift away from the American Dream in America is natural, what can we do about it?   What changes can we make both to stop the loss of the American Dream and to adapt and continue to enjoy a great lifestyle?

There are several steps we can take.

The first is to take a realistic look at the state of the political system.  Do we see strong leaders who will turn things around?  If not then the answer is to look for the problems that weak leadership create.  Problems create opportunity.  Take for example US health care.  I do not see the US political or economic system fixing this soon, so I wrote a report on how to have good health by avoiding high cost disease management.

Next, let’s take a realistic view of the global economy.  Even during political turmoil and great socio-economic inequality there can be great economic opportunity.  There are huge new opportunities for micro businesses that arise every day.  Look for them.

Finally, don’t let the turmoil get you down.  Get on with life!  We did not make the state of the world and we cannot change what it is.  We can change our own life and make a positive difference IF we can change our reaction to events as they unfold.   We can use the business evolutionary cycle that we teach in our Self Publishing course to improve our lifestyle and make the world a better place.

A reader once asked about this evolution when he wrote: “Gary, I keep asking myself, how do Gary/ Merri Scott continuously continue to produce uniquely insightful information for readers?  How could I model just a small slice of Gary’s success online?  I truly do not understand how you have been able to continuously grow for decades while evolving from print to internet/online, covering totally new locations, new businesses and completely new subject matter (not only investing, but health, language, Real Estate Retreats, Import/Export, Publishing, Country- UK, US, Ecuador, etc).

“Other than sheer determination and follow-through, which are obvious requirements, what is your long standing secret to success in ‘lifestyle marketing’?

“What would you say to someone like me just starting online and hoping to succeed to even just a small degree of your success over the internet?  Of course, truly unique content and building a growing list of readers is the key, but how do you manage the load (so many subject matters – keeps me in awe) and yet you always deliver relevance and uniqueness?

“What angle on marketing (small secrets) has allowed you to continuously succeed? I realize there are no miracles other than hard work, but any pointers to leverage? Gary, you truly are in the genius category and I am a true admirer.

Here is what I replied:  “Take three steps.  Do what you love.  Start small and grow naturally.  Have a great day, every day.”

This may seem too simple. Yet this truly is why our business has evolved and why our business continues to grow and evolve.

We really do what we love.  We continually ask how we can turn our passion into profit and do business and invest in what we know.

Passionate beginnings allow the business evolutionary cycle to begin. An idea, dream or passion creates enthusiasm. Enthusiasm leads to education.

Education leads to action. Action leads to profit or loss and experience.

Experience leads to new ideas.

The process starts again, but in a larger way and again and again.

This is the start. Figure out what you are really interested in and become enthused about finding some small or large way to do some good as you make money from being involved.

Gary

One Week’s Effort – Ten Year’s Pay

Over 30 years ago Merri and I locked ourselves in our basement every day, for ten days.  We wrote a report about financial secrets.

gary scott

The report sold well and generated an immediate and excellent income.  Now it’s long out of date.  I just have this one copy left, stored in my archives.

However those ten days of effort, three decades ago, started a chain of events that creates residual income for Merri and me to this very day.  Even better the ten days effort should continue to create income for us for many years more.

Learn how to use brief efforts that create extra income now and continue to pay you for years… even though you don’t do a thing after the first effort.   These lessons even show how to generate cash flow that lasts so long, your heirs will enjoy the income too.

Learn how to do a little work for a lot of income, that comes in, again and again.   See nine secrets below on how a small independent at-home-business can generate long tail income (money that comes in again and again) from one small effort.

Learn how to easily gain the most important things in life;  freedom, friendship, financial security, prestige, tax savings, legal protection, fun, adventure, self sufficiency, fulfillment and more satisfaction… with very small amounts of money and time.

Here are five of nine secrets, for creating long tail wealth:

Secret #1: The business must enjoy the multiple effect.  A product once created must produce profits again and again, almost on a never-ending basis.  Each venture in the business needs to make a huge return to start and then continue generating earnings year in and year out.

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

Secret #3: The money making system must have a purpose beyond money and be enjoyable and fun!  Sad but true, most of us make money for the sake of making money.  Many spend their lives working, just to have a few precious hours having fun.  The most important fact I learned about making and keeping wealth was that those who were richest absolutely loved what they were doing and felt they were doing something that was good!  Money was of secondary importance to their effort.  And as things are, this means they actually ended up making more!

Secret #4: The money making system must be flexible.  No matter what the economy brings, your ability to make money should work regardless of inflation, recession or even depression.  The business must have resilience-so if times turn tough, they can evolve and turn change into even more income.

Secret #5: The business must be able to start small, but grow large.  I learned that business ideas work best with small starts to begin and can be operated on either a full or part time basis.  Most businesses start with a learning curve.  During that time, it is essential they are small.  Once the lessons have been learned and the system is operating properly, then it can grow larger with higher income.

The way to make money in this way is by publishing to sell!   Almost anyone can make more than respectable income when they publish to sell.  Publishing to sell fits all five secrets above, even if you never write a thing.  We’ll look at the other four secrets in a moment.

Publishing is not writing!  Publishing is the business that makes money from writing.  You may have read or heard about the great wealth good writers can make.  Guess what?  Writers make that money from a royalty paid to them by a publisher.  The royalty is normally 15% of the book’s wholesale sales, after returns.  Guess who makes the other 85%?  Guess whose decisions make or break the fortunes of the writer?  The publisher!

Publishing to sell is a business where you get the 85% from publishing,  PLUS MORE… and have extra earnings that just keep keep rolling in, year after year.

Publishing is the business of producing, selling and delivering words.

“Publishing-to-Sell” is the business of producing, selling and delivering books that provide important valuable information, but also leads to the sale of other publications, services or products.

For example, Merri and I used publishing to sell in Ecuador.  We published a report about living in Ecuador.  This was an informative report that helped thousands of readers move there.  The report also outlined the benefits of our Ecuador real estate tours and Super Thinking Spanish courses.  That particular effort starting in 1995 created a million dollar business that still generates earnings to this day even though we have not been in Ecuador for many years.

Here are other examples.  One publisher who used the course, Joe Culbertson, D.C.  is a chiropractor.  Eating junk food creates numerous problems including difficulties in the spine so Dr. Joe created a simple use-at-home spinal device to help the spine.  He published a series of articles about the spine.  Those articles helped sell a three part book he published  Secrets of the Spine: The True Mind/Body Connection.  The book helped him sell his spinal device.

spine

From Dr. Joe’s website.

Another smart self publisher, Jamie Alexander, who used our self publishing course, has a cooking school.

Jamie started her professional baking career at age 20 when she apprenticed under the best-selling cookbook author, Nathalie Dupree.  When she was living in Paris, she studied at LaVarenne, the Cordon Bleu Cooking School and with the pastry chef of Maxim’s.  Her health problems created by high blood sugar levels caused her to have a passion about baking in a healthy way.  She began perfecting chocolate cake recipes that added nutritious ingredients and eliminated unhealthy ones such as sugar.

You have my word for it, these cakes are delicious and there is not an ounce of sugar or white flour! What a treat!

jamie alexander

Jamie Alexander’s recipes are for sale at Amazon.com and include “Carrot Cake Quinoa Brownies”, “Reid’s Gluten-Free Chocolate Quinoa Brownies”, “Pumpkin Cranberry Quinoa Cake” and “New Orleans Espresso-Infused Chocolate Quinoa Cake”.  See all five Jamie Alexander quinoa stevia recipes below. 

The sale of these recipes are really valuable and worthwhile, but they also help sell Jamie’s New Orleans cooking classes!

You can write what you publish to sell or publish what others write to sell.   Some writers, like myself write and also publish.  That’s because 85% of the income from printed publications normally goes to the publisher.

You can earn as a writer.  You can earn as a publisher.  You can publish, or write, or both!  You can also generate long term income from what your publication sells.

Publishing to sell can create outrageously high long term income for little work and you can do it from your home, in an RV or even while cruising or living on a boat or traveling.  It is possible to generate large amounts of extra income month after month, year after year.

Publishing to Sell has become better, much… much better.   Our early success above (the ten days of effort that still earns 30 years later) began when our publishing-to-sell business was in print.   When the Internet became popular and we created a website (in the 1990s), the cost of publishing risk went into a steep dive due to a new advertising medium called Pay Per Click (PPC).  Prior to PPC the biggest part of every publishing venture was paper, printing and postage.  If a publication was mailed, and not read, the paper, the printing and the postage still had to be paid for.  The cost of sending publications which were never opened, created a huge risk.

PPC means that a publisher today only pays from the delivery of a publication when it is opened.  This dramatically reduces upfront cost and risk.

Freedom is the most important benefit.

In the 1970s, I had what I thought was a good business but to be honest I could never get ahead.  I always seemed to be in debt.  The harder I worked, the deeper the hole my finances seemed to be in.  My financial situation robbed me of freedom.

Then I discovered publishing to sell.  Since then our publishing-to-sell business has brought in millions.  We gained all the physical possessions we desire, more houses than we could use (we rent them), two tropical beachfront homes and a Tuscan inspired villa in the mountains overlooking a roaring creek, a 250 acre farm and a 900 acre plantation in Ecuador, plus more than enough money in the bank.

Our income exceeds our expense.

We do not have one penny of debt and we have as much leisure as we choose.

We are free to work when we want and can decide when we want to slow down and relax.

We live where we like and most important, we arise from bed without an alarm, work without undue stress and have fun every day!

My wife, Merri, and I are our own bosses and do what we love.  We have learned that through publishing to sell, we can accomplish far more important goals, to gain self fulfillment and be of service to our community.  In short, we get paid helping make ourselves and the world a better place.

What do you love?  Rare cars?  You can make a fortune publishing to sell in the genre you love.  Do you prefer fine art?   Or do you love beautiful jewelry, coins, gems, real estate, furs, model railways, dolls, scientific equipment, war memorabilia, old and rare books, or whatever?

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

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

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

Publishing to sell can also be international so you can live anywhere and still earn everywhere.  This is especially valuable if you love to travel.  For example, one shrewd publisher realized that Panama was a great place to live so published information on Panama that sold Panama real estate seminars.

Other publishers reaped rich rewards selling information on their own country.  For example, there is currently a huge growth in domestic tourism.  Self publishers are in a position to do something about it… by selling U.S. knowledge everywhere!

Merri and I, for example, lived in Europe for years, then fell in love with Ecuador for 15 years.  We earned by publishing our experiences gained in each place.

Now in our 70s, we live in Smalltown USA. We love the peace and quiet, are closer to my mom, our children and grandchildren.  We still publish to sell!  In each phase of our lives, the publish-to-sell business allowed us to move and live where we desired.

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

For example, you’ll see how when we reached retirement age, we slowed down our self publishing business but still earned $2,404725.98, tax free, over the next ten years.

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

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

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

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

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

This course can put you well on your way to publishing to sell and give you the freedom to live wherever you choose!  It covers the five secrets I mentioned above and the four additional secrets below:

Secret #6:  How to gain 1,000% returns.  See why some of the wealthiest families in the world today come from publishing.  Learn how margins can be so incredible that few would believe them.  This online course contains many case studies.  Case Study #3 for example shows one publisher who sold an idea delivered on one photocopied page.  His cost was only three cents, his selling price $12.50!

Secret #7:  How to create and market your product or find products to sell.  Learn 11 steps in creating the perfect product.  Understand how to review ideas, test focus, aim at markets.  See why you don’t have to write anything if you don’t want to!  Learn where and how to get your data and get others to write for you almost FREE.

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

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

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

Secret #8: When to print, how to print and when to go online only.  How to print and fulfill.  Learn how to cut your printing bill in half by asking for quotes differently.  Learn tricks of the trade, how to get the best quality at the lowest price, why to avoid the biggest printer in town and why to avoid the franchise printers.

Secret #9: How to compute and use the Internet.  With an inexpensive computer, you can easily run a business from home and still have tons of time left over-even if you are computer illiterate.  Merri and I have proven this!  The secrets in the course include a step-by-step approach on what to do.   Our partner, the internet expert includes what you need to know for online publishing.

The course contains information on how to use computers and the Internet for your publishing business.  For example you will learn how I have eliminated hundreds of thousands of dollars of printing and postage by switching all of my business onto the net.  We unlock all the secrets of publishing so you can have increased lasting income and reduced taxation.  This course is perfect for those with great computer skills and can help you learn how to focus these skills into a profitable publishing business.

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

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

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

Another made millions with one simple legal idea.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Who is This Course For?

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

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

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

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

Due to the enormous savings of an online course, you can start for only $299 with a full money back if not satisfied guarantee.

Merri and I have had a publish to sell business together for over 30 years and both of us were in publishing before we got together.  Merri’s publishing experience even outstrips mine and we spend a great deal of personal time continually updating the course as the publishing business evolves.  We have a successful publishing business with over 20,000 readers, so our updates are based on real time experience.

Are you interested in a publishing business?  It can be small and part time mainly to gain prestige, fun and tax benefits.  It can be full fledged and rake in thousands a day.  If so, this course is an absolute bargain.  You should sign up now!  Our goal and guarantee is that you will be able to run your own publishing business that publishes to sell.

Though many readers have paid up to $2,000 for this course, you can start for only $299.  You could not duplicate the computer and Internet knowledge for $2,000.  It covers what you need to get on the Net, how to use the Web to publish, how to define your Internet market, how to develop your site, target your market and start getting visits, the top ten Internet tips to use, the top ten traps to avoid, and many other lessons our Webmaster has used in his 20+ years on the net.  In many cases your tax savings will be five to ten times the cost of the system alone, plus you will learn how to gain thousands of FREEBEES and earn hundreds of thousands a year.

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

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

Don’t miss this opportunity.  Sign up with this special offer.

Our Guarantee

If you are not fully satisfied, you can cancel the course any time in the first two months.

Why the Update Lessons?

What all professional publishers know is that the world of publishing changes continually and that the key to continual success is to test, test, test and keep the business evolving with the market place.   The course you receive is up to date, but it will fall out of date soon.  To keep you in touch with the latest trends, techniques and ideas, we add regular update lessons to your course.

We have over thirty years experience and are active in the publishing world every day.  We work with several of the largest internet publishers in the world and gain a continual flow of new experiences, ideas, tactics and strategies.  Your update lessons bring you the latest innovations that are being used in the publishing world right now.  This is a key to maintaining a continual flow of everlasting residual income from you publications.

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

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

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

Gary

See Five Jamie Alexander healthy, delicious, quinoa-stevia recipes here

 

 

 

International Investing & Micro Business in the Fourth Dimension


Let’s examine international investing & micro business in the fourth dimension.

Here is an excerpt from our upcoming lesson in our Self Publishing 202 – Tidbits on Kindle a real time online course built on how we are developing our publishing business via Amazon.com.

The Excerpt begins here:

Self Publishing 202… Tidbits on Kindle

Lesson Five:  Our Kindle Plan Using Authenticity

This lesson looks at our current Kindle plan and shows why authenticity is one of the most powerful and lasting assets your self publishing business can have.

Photos can help develop authenticity but currently do not fit into our Kindle publications but photos do fit into our overall plan.

micro-business photos

Often readers ask about our photos.  How we get them and what processes we use.  I carry my small pocket camera everywhere and shoot relevant shots when visual cues I see create publishing ideas.  This makes it easy to incorporate the photo into the message theme.

Pictures are important in publishing.  Studies have shown that pictures with relevance in online articles help strengthen the message… but fluff generic shots reduce effectiveness.

This is a reminder of the importance of authenticity.

This looks at the importance of authenticity in your Kindle (and all) publications (and all business as a matter of fact). Then we’ll look at how authenticity has helped Merri and me earn for 43 years, year in and year out, through good time and bad in our publishing and international business.

Authenticity is especially important for a micro businesses because small does not have the market acceptance that huge expenditures on brand advertising  can provide to a big business.

A micro business may offer a service that is more honest… less expensive and better than a big business… but the micro business cannot compete head on with a multi million dollar advertising budget that a big business will have.

In this era of transition being small is a benefit because:

#1: Micro businesses do not have to factor in ad costs so much.

#2: Micro business can be authentic more easily.  Developing a corporate culture is difficult.

#3: Technology has made it easier to run a small business at the same time it is eroding the power of broadcast and erasing the dimensions of time and space.

Technology is also eroding the three dimensions of height, width and depth.

In the old era the maxim… a picture is worth a thousand words was because we believed in what we saw.  No longer!  Digital photography has erased the authenticity of photography and shifted it further from a science to an art form.

Recently one of the messages at our website had a photo I shot of a blue heron in our front yard.

blue-heron

A reader wrote this and commented that it looked more like a painting rather than photograph.  That’s in part because even on my Mac Book Pro, the simple iPhoto allows me to change the colors and textures of this shot.

heron

After posting a scan of a really old Hong Kong photo of me with my sales team from the 1960s, a reader sent me…

Photo micro business

this upgrade.

Photo micro business

Technology has reduced the dimensions of time and space…but in addition it has eroded the dimension of truth.  This is a huge  groundswell shift which can create all kinds of business and publishing opportunity.

A September 3, 2011 Economist article entitled “Cameras get cleverer confirms this shift and says:  New approaches to photography treat it as a branch of computing as well as optics, making possible a range of new tricks.

Photography can trace its roots to the camera obscura, the optical principles of which were understood as early as the 5th century BC. Latin for a darkened chamber, it was just that: a shrouded box or room with a pinhole at one end through which light from the outside was projected onto a screen inside, displaying an inverted image. This, you might think, is a world away from modern digital cameras, brimming with fancy electronics which capture the wavelengths and intensity of light to produce high-resolution digital files. But the basic idea of focusing rays through an aperture onto a two-dimensional surface remains the same.

Now a novel approach to photographic imaging is making its way into cameras and smartphones. Computational photography, a subdiscipline of computer graphics, does not simply capture single images. The basic premise is to use multiple exposures, or multiple lenses, to capture information from which photographs may be derived. These data contains myriad potential pictures which software then converts into what looks like a conventional photo. More computer animation than a pinhole camera, in other words, though using real light refracted through a lens rather than the virtual sort.

In June this year Ren Ng, a former student of Dr. Levoy’s at Stanford, launched a new company called Lytro, promising to start selling an affordable snapshot camera later this year.

Dr. Ng has figured out a way to capture lots of images simultaneously. This approach is known as light-field photography, and Lytro’s camera will be its first commercial incarnation. In physics, a light field describes the direction of all the idealised light rays passing through an area. Dr. Levoy’s and Dr. Hanrahan’s seminal paper described a new way to model this field mathematically. Now, 15 years later, Dr. Ng has worked out how to implement the technique using off-the-shelf chips.

Dr. Ng’s camera uses an array of several hundred thousand microlenses inserted between an ordinary camera lens and digital image sensor. Each microlens functions as a kind of superpixel. A typical camera works by recording where light strikes the focal plane—the area onto which rays passing through a lens are captured.

Shoot first, refocus later.

For now, though, Lytro is targeting internet photo-sharers. It will let owners of its camera upload the image data and the processing tools to Facebook and other social networks. The firm has reportedly already raised $50m. Investors must be hoping that consumers find all the irritants that Lytro’s camera removes, like blurred or dim pictures, niggling enough to want them eliminated once and for all from their holiday snaps.

These changes in photography alter business and how it will move forward in ways we can only just begin to understand.

Here is how we are expanding our Amazon.com publications… why we will not use photos in these publications.. but how photos play a huge role in expanding income for the overall…. beyond Amazon.com plan.

(End of excerpt)

You can learn more about how to earn income publishing Kindle books on Amazon.com here.

Changes in photography show why most investors and businesses have huge risks from change.

When we think about photography we can understand risk from change better.  Look at what has happened to investments in Xerox or Kodak… businesses that did not change with technology.

Kodak share chart from www.finance.yahoo.com

fallen-shares

Xerox share chart.

fallen-shares

Even leading edge businesses like Netflix are having hickups keeping pace.

This firm is trying to shift its focus from CD to streaming and has lost 57% of its share value this year and over half its share price in the past year as this chart of the Netflix share price shows.

fallen-shares

Amazon.com and Hulu are wiping up on Netflix right now.

One way to overcome the risk of change is to make venture investments in companies like Lytro… the light-field camera makers. See a link to Lytro’s which is financed so far by private placement only but watch for this technology opportunity and see a link to Lytro’s website below.

Another way is to stay well diversified and be ready to shift your asset classes like  JGAM does for me and many readers of this site.  JGAM’s latest Portfolio outlines the the importance of staying on top of market shifts and adapting to change.

JGAM wrote: On 14 September, JGAM’s Investment Committee held an ad hoc meeting deciding to make use of a rebound in the stock and corporate bond market to sell securities and thereby unload risk. The decisions have been carried out and we are now underweight on all asset classes except cash (US dollar) and alternatives (gold and grains).

The world’s leading central banks have intervened and is now supporting European banks with unlimited US dollar (USD) funding. See our Market Update on 16 September for details on this. It’s our interpretation that this action from central banks underlines the seriousness of the situation in Europe and that unlimited liquidity does not solve the fundamental problem that many European banks will become insolvent if or when Greece defaults on its sovereign debt. A default could cause another financial crisis similar to the one we experienced in 2008.

In 2008, the financial crisis caused risky corporate bonds to take a severe hit. Some bonds tumbled more than 80%! We want to protect our clients against a similar scenario and therefore, we have sold the following risky bonds, mainly high yielding corporate bonds issued in euro (EUR); Auto-Teile-Unger 2014 (EUR), Mobile Tele 2012 (USD), Bombardier 2016 (EUR), AP Moeller-Maersk 2014 (EUR), Gaz Capital 2014 (EUR) and Republic of South Africa 2013 (EUR).

Furthermore, we have made some adjustments in the equity part of the portfolios, reducing risk exposure by selling the following mainly cyclical and/or EUR exposed stocks; Neurosearch, Bayer, Telefonica, Toshiba, Suez Environment, Cisco and iShares MSCI Asia.

Finally, we have changed the loan mix on leveraged portfolios from a mix of yen (JPY), USD and EUR to a 100% EUR funding. We expect EUR to depreciate if or when Greece default.

To us, it’s no longer a question whether Greece will default, the question is when. Central banks and other policymakers are trying to buy time and postpone the default in order to give European banks sufficient time to become enough capitalized to be able to survive another financial crisis. We have now protected your portfolios better against the rising and already high risk that this risk scenario will play out.

Learn how JGAM can hep you invest to protect against the risks of change by contacting Thomas Fischer at Fischer@jgam.com  

Gary

Join Merri and me with Thomas Fischer this October in North Carolina.  See how to invest and earn into 2012.

See Lytro’s web site:

A September 3, 2011 Economist article entitled “Cameras get cleverer

Three Multi Currency Investing Lessons


Three multi currency lessons on global investing can help us thrive during this current economic shift.

Our decades long research in 30 year market trends predicted some time ago that the worst emotional time for stock market investors in the past 15 years years would be about now. This is the darkest hour… just before the light at the end of the tunnel appears.

Financial markets are in turmoil and opportunity has never been greater.

Many summer mornings start my day like this in my…

gary-scott-office

summer office, checking the Asian and European markets as I enjoy the awakening of…

gary-scott-office

dawn.

Cup of coffee in hand, I look at three multi currency lessons on how to thrive in turmoil.  We’ll see the three multi currncy lessons in a moment.

First. here is what I do from my front porch.

To begin I take a look at bond markets.  During times of panic, investors shy away from some really good bonds. The spreads widen enormously. In other words, the cost of a bond is much more than what you can sell it for.  Wednesday’s message Multi Currency Bargains because of this factor looked at some pretty good bonds that might pay as much  27% in the next year.

Now the bonds may even earn more!

My first action of the morning is to check with my JGAM personal investment adviser to see how is the bond spreads have continued to widen.

They have!  my adviser wrote:  Dear Gary, the spreads are still widening. Jyske Bank’s bond department have not published the corporate bond recommendation list for the last couple of days. When they are through updating prices the market has moved and the prices are already wrong. You can trade the higher end of the high yield market (BB and so), but the low end of the high yield have no bid prices but we might be able to find bonds for sale.   Kind regards.

This means that huge values are being created in bonds.

The first lesson on how to benefit from shifts and change is that multi currency diversification helps you thrive during turbulence.

Yesterday morning the dawn message (shown in this August 11, 2011 Financial Times.com chart) was that as Wall Street Collapsed, the Asian…

ft-market-charts

markets thrived.

ft-market-charts

This porch view allows me to watch the forest come alive and yet also take a quick glance around the world. Yesterday’s New York Times headline was an article entitled “Financial Turmoil Evokes Comparison to 2008 Crisis” by Nelson D.  Schwartz. The banner read:  Stocks are plummeting. The economy is slowing. Politicians seek solutions but can’t agree. Is 2011’s turmoil a repeat of the financial crisis of 2008?

The Wall Street Journal headline entitled “European Stocks Rise” said European stocks markets opened higher as market participants used recent losses in global equities as an excuse to snap up bargains. The Financial Times front page article “Asia Today” proclaimed: Yuan on the Rise.

These global financial insights confirm the importance of having a global view.  International diversification allows you to balance your savings and investments so they are not caught and stuck in the gloom of any one country.

Seek Value

Looking for good value is always the way to protect purchasing power and modern technology makes the search easy.

For example I track the investment portfolios of the State Street Global Advantage mutual funds which use the market value of Keppler Asset Management. Keppler, a friend for decades, is one of the best market value analysts I know. Frankly he is such a mathematical genius that I (who was stumped even by high school algebra) have a hard time understanding his statistics.  What I can easily see though is how investment managers from State Street (one of the largest fund managers in the world)  manage to translate Keppler’s data into good value investments in shares.

I simply look at their country diversification and the main shares they choose in their portfolio.

For example in the State Street Global Advantage High Value Major Market Fund the…

state-street-fund-multi-currency-data

 

main spread is in Germany, France, the UK, France, Austria and Italy well before (and much more) than the USA.

You can also see the fund’s top ten investments… like Erste Group Bank AG and ENI S.p. A., an easy way to find good value shares that might enhance your portfolio too.

State Street also has a Global Advantage High Value Emerging Market Fund so from my front porch deep in the Blue Ridge woods I can gain ideas on how to…

state-street-fund-multi-currency-data

diversify globally in emerging markets.

This is important to know because these funds have strongly outperformed the Morgan Stanley Capital Index Total Return ND Index… an index that represents share movements around the world.

state-street-fund-multi-currency-data

The green line shows the State Street Global Advantage High Value Major Market fund performance and the grey, the Morgan Stanley Capital Index Total Return ND Index.

You can see the annual performance of the major market fund (versus the MSCI Index) here:

state-street-fund-multi-currency-data

Plus we can see how emerging markets have offered so much more opportunity than major markets in the past five years!

state-street-fund-multi-currency-data
Non Americans can get information about these funds at the addresses below.

state-street-fund-multi-currency-data

Though State Street is a US company these funds are not available to Americans.  Americans can get information about how to buy shares like those in the fund and how to have a multi currency portfolio from Jyske Global Asset Management.  Thomas Fischer the JGAM Sr. VP can be reached at fischer@jgam.com

The Three Lessons

Multi Currency Lesson #1: Diversify in multi currency bonds as well as shares.

Multi Currency Lesson #2:  Investing in good value during bad times creates the greatest returns of all.  Those who picked up good value major market shares in 2008 (when the market fell by half) saw growth of 29.15% in 2009 and 12.29% in 2010.

Multi Currency Lesson #3:  Embrace change and invest in risk the market perceives.  Those who invested in what was viewed as risker emerging markets in 2008… earned  59.50% and 23.65% in 2009 and 2010.

Final Lesson

There is one more lesson.  While so many are trumpeting doom and gloom…while gold is skyrocketing due to market fear, we can do what a century ago… even kings could not imagine.  Sitting on a porch with a pastoral and global view… ignoring all dimensions of time and space…. I listen to the barn owl mourning “the end of night” as I visit China.  The hens cluck awake and the rooster crows as my research moves into Europe and the UK.  The sun rises brilliant and in peace I watch New York’s action unfold and… realize what incredible privileges that we have in this modern world!  Let’s don’t forget what this is!

Those who invest calmly during panic can thrive.

Gary

Join Merri, me and Thomas Fischer from Jyske Global Asset Management for the Blue Ridge leaf change and a global multi currency update at our  October 7-9, 2011 International Investing and Business Seminar

gary-scott-farm

See the new 2012 Ecuador real estate tour schedule

Jan. 19-20-21 Cuenca real estate tours
Jan. 23-24-25 Coastal real estate tours

Bahia
Feb. 16-17-18 Cuenca
Feb Coastal 20-21-22

March 15-16-17 Cuenca
March 19-20-21 Coastal

See how to save with a multi tour pack

Can’t make these dates. Learn about a private customized Ecuador real estate tour

 

International Investing: The Value of Steady


I recently received two international investing ideas on how to have steady wealth!  They may help you embrace the future more successfully with international investments and business as the global economy shifts.

Buddha oin woords

Above one way I use is to study in quietness the turbulence!

The New York Times breaking news yesterday was enough to make most international investors and businesses cringe:  The story said: Markets Tumble as Signs Point to Weak Global Economy

The stock market fell sharply Thursday on intensifying investor fears about a slowdown in global economic growth and worries about Europe’s ongoing debt crisis, which is centered now on Italy and Spain.

As Japan intervened to weaken its currency and European stock markets turned negative across the board, United States stocks fell by around 3 percent in morning trading in New York.

A fear haunting markets in the United States is that the economy may be heading for a double-dip recession. Although the fractious debt ceiling debate is now past, markets fear spending cuts and weaker economic data point to a weaker economy. The latest weekly jobless data Thursday again showed the economy was still fragile.

How can we move ahead in such a turbulent world?

Three recent notes I received provide some clues on how to have everlasting success despite economic ups and downs.

One note said: Gary, I was living in New York in the 1980s when I heard about you, and started to follow your precious advice.  I opened an account at the Jyske Bank in Denmark, and everything went very well. I still remember when you were planning to buy real estate in North Carolina.  I was student at the NYU and I graduated in Dentistry, had a successful Dental practice and am retired now, living in Brazil.  I lost contact with you but now want to continue my education with you.  So, I owe you so much, and I am sending you this message to THANK YOU VERY MUCH AND GOD BLESS YOU AND YOUR FAMILY.  Sincerely,

Another reader wrote yesterday: I have so enjoyed your emails for 2 or 3 years now, they have become the highlight of my day.  They give me “hope” and a dream.

Another recently wrote“Hi Merri. I am looking forward to meeting you both again. Had met in Niagara in the 1980s. Thanks.”

Here are three valuable thoughts we can gain from these kind words about the past that can help us invest and do business in the future.

Thought #1: Be steady.  Please excuse me for bragging  but was I ever impressed with myself with those thank you words!  Any such blessing from a reader is wonderful but… serving a reader who began in university, built his career and has now retired… yet still finds I can help.  Wow! Did that make me feel good!

Buddha oin woords

Buddha at our North Carolina farm overlooks our…

Buddha oin woords

steady rock.

Actually good is not the right word.  Merri and I are just steady.

Steadiness or focus is a universal  foundation that we can all tap into.  The best way to gain this power is to do something you love… that you deeply believe in… and that rewards you in some fulfilling way.

There is a great article entitled “The Power Of Steadiness Or Immobility” at the virtualsynapses site (see a link below).

Here is an excerpt: The power of steadiness or immobility is one of the many siddhis (spiritual powers) described in the Vibhuti Pada (Book III) of the Yoga Sutras of Patanjali. Have you ever wondered why many tales about yogis, saints, and buddhas describe how these spiritual masters can sit in meditation for hours and even days at a time without being disturbed by any external distractions? One of my favorite stories is about the Buddha. It is said that when Siddharta Gautama reached enlightenment, he spent a whole week in front of a tree, gazing at it with gratitude and his eyes fully opened the whole time. A shrine was later erected on the spot where he stood and the tree is famously known today as the Bodhi Tree.

This is a law of Nature. When we strive to act, the forces of Nature do their will with us; when we grow still, we become their master.

Thought #1: “Be steady in your investing and business”.  As the world becomes noisier, become quieter.  Be still, even when many around you try to move you in directions that are not good and usually not in your best interest.

Thought #2: Look for progressive innovative, unique opportunities in investing and in business.  From this quiet steadiness, progressive action will flow.  You’ll be able to see and follow the currents and rapids of life.  In many ways Merri’s and my business remains extremely steady… exactly as it has been for 30 years… publishing information that we hope will help readers do what they love in a global way.   In many other ways our action has evolved… from paper to electronic… from mail to internet… from emerging markets to resources… from the city to the farm.

Thought #3: Work with solid people you like.  We have maintained strategic relationships with Jyske Bank… with several attorneys…  with several publishers… with several investing advisers for nearly 30 years. Not only has their advice and assistance been invaluable… but the satisfaction of working with like minded souls whom we really enjoy being around is one of the greatest benefits one can enjoy.

With this thought we have begun adding telephone interviews with our steady friends.  We are making phone interviews with our most valuable contacts a regular affair so we can share steady global ideas with you.

I just completed another interview with Thomas Fischer Sr VP with Jyske Global Asset Management. You can hear it here.

Click to hear the latest Thomas Fischer Interview

What tomorrow brings I am not sure… but we’ll be sharing with you at this site… our thoughts and those of good, steady thoughts, ideas, people who can assist you in doing what you love in a global way.

Gary

Meet Thomas Fischer at our upcoming International Investing & Business Seminar.

See a new Ecuador community.

Read The Power Of Steadiness Or Immobility

Pivotal Week – Emerging Markets Value Update – Day 4


Emerging markets grow in importance as we draw closer to a dramatic global social economic shift.

The change is taking place in part because the democratic process is working.

Yesterday’s New York Times article “Vote on Boehner Plan Delayed Amid Opposition” says: House Republican leaders were forced on Tuesday night to delay a vote scheduled on their plan to raise the nation’s debt ceiling, as conservative lawmakers expressed skepticism and Congressional budget officials said the plan did not deliver the promised savings.

The pushback on the bill was the latest chaotic twist in the fiscal fracas on Capitol Hill, as the clock ticked closer to Aug. 2, when the Obama administration has warned that the nation risks defaulting on its bills. The scramble to come up with a plan that could be put to a vote, now moved from Wednesday to Thursday, represents a test of Speaker John A. Boehner’s ability to lead his restive caucus. The expected showdown over the legislation is the culmination of months of efforts by Tea Party-allied freshmen and fellow conservatives to demand a fundamentally smaller government in exchange for raising the federal borrowing limit.

Many people in America want a smaller government and enough of their representatives are now demanding this… so this process could in the long run be good.  The question is how fast will there be a shift.

Whether this current change comes at a fast or slow pace it will come and there will be some pain… but not for those who adapt to the restructuring.

Keep in mind this is a process that has been going on now since 1971 when the US dollar was unpegged from gold.

One the subject of gold due to the purchasing power risks associated with the current socio-economic changes, we have interviewed Thomas Fischer JGAM Sr. Vice president about multi currency diversification and…

fischer-checkan
Thomas Fischer (right) and  Rich Checkan (left).

we also interviewed Rich Checkan of the precious metals dealers Asset Strategies International.

You can also hear both recent interviews on where to invest globally now.  Order here $9.99.

The Big Problem

The main problem however goes way beyond politics to the energy source of industrialization over the past 300 years. That energy has not just been gas but has been fossil fuels accelerating a shift of farmers from rural to urban and suburban environments.   As these farmers moved from the farm to the factory they dramatically improved their productivity at a very low educational cost.  Their enhanced wages increased their consumption.

The burst of increased affluence over the past several centuries has been fueled by cheap labor and fossil fuels.

In this era big business followed the path of least resistance wherever labor was cheapest in the world.  Manufacturing jumped from the US to Germany and Japan.  Then as labor costs rose in these countries the move was to Hong Kong… then to the Tigers (Singapore, Taiwan, South Korea and Malaysia).  Then there was a shift to China, Latin America, India.  Now places like Cambodia and Vietnam supply a lot of the really low cost labor.

As the world runs out of farmers and as the farmers left become connected, this cost of labor everywhere is rising.   More government… higher social costs and the rising cost of fossil fuel all have an impact to increase labor expense everywhere.

This is causing inflation in emerging nations as this chart from the Bloomberg Businessweek article “Slamming on Brakes Shows”

bloomberg-businessweek-chart

The rising emerging market interest rates  creates a current five point economic dilemma.

Point #1: The rise in emerging markets puts upwards pressure on interest rates everywhere.

Point #2: The rising rates pushes up prices in the emerging markets also creates inflationary pressures in the Western countries who buy so many of the emerging imports.

Point #3: Emerging market inflation reduces purchasing power of emerging currencies exactly when major currencies are losing purchasing power due to overburdening debt.

Point #4: Emerging market inflation is likely to slow exports which increases the need for emerging countries (such as China) to call in debt from the US and  Western Europe at a time when these countries are least able to pay.

Point #5:  Rising emerging market interest rates puts downwards pressure on emerging stock markets.

In the past, emerging markets were better valued than major markets.  This meant that one easy diversification was to reduce positions in major stock markets and increase positions in emerging markets.

The five points above and increased emerging market costs mean that we can wantonly just jump into any emerging market. The Chinese market for example is overheated.

However, we must choose the correct markets with care… because there is always something we do not know… especially in emerging markets.

This is why seeking value is so important. Value is the harmonious aspect of existence that wishes to fill every void.  Value is the ecstasy that harmonizes away the agony of imbalance.  Value means you are buying what is NOT in demand at a price lower than the object’s or share’s worth.

This is why once a quarter we look at an emerging equity market value analysis by Michael Keppler.

If you are a new subscriber learn about Keppler Asset Management here.

Keppler’s latest emerging market value analysis for the second quarter of 2011 says:

After recovering in April, Emerging Markets stocks gave up territory again in both May and June. Last quarter, the Morgan Stanley Capital International (MSCI) Emerging Markets Total Return Index (December 1988 = 100) declined 2.7 % in local currencies, 1.1 % in US dollars and 3.2 % in Euros. 

Year-to-date, the Index was down 2 % in local currencies, up 0.9 % in US dollars and down 6.7 % in Euros.

The Euro gained 2.2 % versus the US dollar in the second quarter and finished the first half of the year at 1.4499 USD/EUR — 8.1 % above its year-end 2010 level of 1.3416.

All three regional indices declined in the second quarter: Asia was down 1.2 %, Europe, Middle East and Africa (EMEA) declined 3.3 % and Latin America lost 5.8 %.

In the first half of the year Asia lost 0.5 %, EMEA gave up 0.3 % and Latin America 6.8 %. Performance numbers are in local currencies unless mentioned otherwise.

Eight Emerging Markets advanced and thirteen markets declined last quarter.

The three best performing markets were Chile (+6.1 %), Indonesia (+6.0 %) and Malaysia (+3.2 %).

Peru (-15.2 %), Brazil (-7.9 %) and Russia (-7 %) fared worst last quarter.

Year-to-date, nine markets were higher, eleven markets declined and one market was unchanged.

The biggest winners so far this year were the Czech Republic (+10.2 %), Hungary (+7.9 %) and Indonesia (+7.3 %).

Peru (-26.7 %), Egypt (-22.1 %) and India (-8.5 %) performed worst since the end of 2010.

There was no change in our performance ratings last quarter.

The Top Value Model Portfolio contains the nine national MSCI markets Brazil, the Czech Republic, Egypt, Hungary, Poland, Russia, Taiwan, Thailand and Turkey at equal weights. According to our performance ratings, a combination of these markets offers the highest expectation of long-term risk-adjusted performance.

SELL CANDIDATES (Low Value)   Chile            India           Indonesia       Korea.

NEUTRALLY RATED MARKETS China        Colombia      Malaysia      Mexico         Morocco      Peru    Philippines     South Africa.

The economic emergence of poor countries is good. More people will have more wealth in the long run.  The political struggle to reduce debt in rich nations will also help.  An improved balance between the rich and the poor created through opportunity for all will enhance peace efforts and reduce the likelihood of terrorism, revolution and war.

Yet these positive evolutions are slow, often hard to see and keep in perspective.  Such macro shifts also brings pain for those who do not adapt to the change.

Seeing and embracing change are as hard as seeing into the future… but value is an easy way to stay in touch with evolution and is easier to see!   We thank Michael Keppler for these valuable statistics.

Gary

Join Merri and me at our next seminar as we look at ways to gain from the international economic shifts in the year ahead.

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

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

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

We are starting with these five businesses first.

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

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

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

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

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

International Business Made EZ ($299)

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

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

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

The overall service can bring you the following benefits:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Here is how you can apply for this program.

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

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

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

We have a…

little-horse-creek

creekside…

little-horse-creek

seminar hall where…

little-horse-creek

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

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

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

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

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

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

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

Thomas Fischer’s email is fischer@jgam.com

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

Satisfaction Guaranteed.  Three Guarantees.

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

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

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

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

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

See Slamming on the Brakes at Bloomberg Business Week

Pivotal Week – International Investments: Day 1


This is a pivotal week for international investments…here is an update on the values of major stock markets by Keppler Asset Management.

Fwd: keppler

Michael Keppler

The global economy is in tension.  US and Western European economies are both being forced to face up to debt, aging populations and huge unfunded future obligations in pensions, medical care and who knows what, amid a disintegrating, global social cohesion evidenced by terrorism… revolution and internal strife such as the bombing and killing in Norway.   

Huge losses will occur as the dollar and euro lose purchasing power.

The best way to protect against these losses is by always seeking value.

Understanding value is the tricky part.

This is why once a quarter we look at a major equity market valuation analysis by Michael Keppler.

If you are a new multi currency subscriber learn about Keppler Asset Management here.

Here are Keppler’s Comments on Major Market Value for this quarter to July 2011.

Recent Developments & Outlook

After a strong first quarter, global equity markets were little changed on balance in the last three months. The Morgan Stanley Capital International (MSCI) World Total Return Index (with net dividends reinvested, December 1969 = 100) finished the second quarter 2011 at LC 2,255 (-0.6 %), $ 3,290 (+0.5 %) and € 1,204 (-1.7 %), respectively.

Year-to-date, the MSCI World Index was up 2.9 % in local currencies and 5.3 % in US dollars. However, due to the strong recovery of the Euro versus the US dollar, it declined 2.6 % year-to-date in Euros. The Euro gained 2.2 % versus the US dollar in the second quarter and finished the first half of the year at 1.4499 USD/EUR — 8.1 % above its year-end 2010 level of 1.3416.

Seven markets advanced in the second quarter 2011, sixteen markets declined and one market was unchanged. Ireland had the highest return (+5.3 %), followed by Germany (+4 %) and New Zealand (+2.8 %). Greece (-18.3 %), Finland    (-9.8 %) and Denmark (-8.5 %) performed worst last quarter.

The best performing markets during the last six months were New Zealand (+9.6 %), Ireland (+8.4 %), France and Spain (both up 6.9 %). Finland (-13.1 %), Israel (-11.3 %) and Greece (-11 %) were the worst performing markets in the first half of 2011. Performance is in local currencies, unless mentioned otherwise.

The Top Value Model Portfolio, based on the Top Value Strategy (December 1969 = 100) using national MSCI country indices as hypothetical investment vehicles, finished the second quarter at LC 32,361 (unchanged), $ 31,711 (+2 %) and € 11,605 (-0.2 %). Year-to-date, the Top Value Model Portfolio gained 2.1 % in local currencies, 8.2 % in US dollars and 0.1 % in Euros, underperforming the benchmark by 0.8 percentage points in local currencies but outperforming in US dollars and Euros by 2.9 and 2.7 percentage points, respectively.

There were no changes in our performance ratings last quarter. The Top Value Model Portfolio holds the six “Buy”-rated markets Austria, France, Germany, Italy, Japan and the United Kingdom at equal weights. According to our analyses, a combination of these markets offers the highest expectation of long-term risk-adjusted performance.

Our implicit three-to-five-year projection for the compound annual total return of the Equally-Weighted World Index now stands at 13.1 %, up from 11.9 % three months ago.

Fwd: Keppler

JGAM warns about the turmoil in its weekly update and says:

Week 18 July – 22 July

European Monetary Fund

After days of speculations, the financial markets could finally take a sigh of relief when the European leaders last night announced the much anticipated bail-out agreement.

Earlier this week, risky assets carefully started to rebound anxiously awaiting the result, however optimism really took off Thursday as a draft proposal circulated the media.

The positive sentiment continued into Friday as the summit announcement didn’t disappoint expectations.

The European leaders last night agreed on a new EUR 109bn bail-out of Greece, with an additional commitment of EUR 37bn expected from private bondholders.

On top of that the leaders have also agreed to lower the loan costs of Greece, Ireland and Portugal by 100-200 basis points, and to prolong maturing debt and to give the temporary bail-out fund, the European financial facility stability (EFSF) additional powers as well. The bail-out fund will in the future be able to act preemptively by quickly helping countries such as Spain and Italy if needed, an International Monetary Fund (IMF) style ability. The agreement is intended to stop the European debt turmoil and to protect Spain and Italy from any contagion effects.

Since Monday, the European common currency has appreciated with as much as 3% versus the US dollar, and is currently trading in the 1.4325 to 1.4425 range. During the same period, the interest (cost of borrowing) on the Italian 10 year government bond has fallen with 85 basis points from 6% to 5.15%, and by 400 basis points from 17.8% to 13.8% on the similar Greek issuance.

The risk now is whether the new agreement is big enough and/or whether it will follow the same pattern as the previous and eventually disappoint the market.

Fitch, the rating agency, is today warning the market that they will reduce Greece to “restricted default” should the intended prolonging of the maturing Greek debt go ahead as planned.

We expect a bumpy road ahead.

The managers at JGAM responded.  On 14 July JGAM’s Investment Committee held its ordinary, monthly meeting and reported .

In the weeks leading up to the meeting we had reduced the overall risk in our portfolios by moving gold and Swiss francs (CHF).  This week, the euro crisis has escalated with the downgrading of Portugal and Ireland to junk by Moody`s.

Mr. Silvio Berlusconi, the Prime Minister of Italy, rubbed salt in the open debt wounds, when he called his Finance Minister Mr. Giulio Tremonti an idiot. The open disagreement in the Italian government immediately caused markets to doubt whether Italian austerity measures can be agreed upon.

The growth picture in the US is becoming bleak with rising unemployment and a dreaded double dip, as rare as it is, cannot be ruled out.

China is expected to continue its monetary tightening, which could also dampen growth prospects.

With so much uncertainty, it is no wonder that volatility is increasing, but we believe that our current asset allocation and overall risk reduction through our gold and CHF positions are adequate in a volatile environment.

Due to these risks, we have interviewed Thomas Fischer JGAM Sr. Vice president about multi currency diversification.

 

fischer-checkan

Thomas Fischer (right) and  Rich Checkan (left).

We also interviewed Rich Checkan of the precious metals dealers Asset Strategies International.

You can also hear both recent interviews on where to invest globally now.

We have added phone interview updates to our Global Personal Portfolio service.

Here is how the updates work.

You email me your questions.  We will review them with experts and then answer them in telephone call updates.

We’ll send you the recorded calls.

Who is eligible to ask and to listen in to the call?

This service is free for all subscribers to our annual Multi Currency Service.

Not a Multi Currency subscriber?  Learn how to enroll here.

Non Multi Currency subscribers can enroll to have their questions answered for a one time charge of $9.99.

Order here $9.99.

Gary

See this Manabi farm with organic cashew potential.

See new idea on how to earn with Ecuador agriculture and exports .


manabi-ecuador-farm

Join Merri and me as we look at ways to fight international investment turmoil in the year ahead.

Last Day of our July Special. The offer to save up to $499 expires tonight at midnight.

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

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

We are starting with these five businesses first.

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

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

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

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

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

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

International Business Made EZ ($299)

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

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

July Special.

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

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

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

The overall service can bring you the following benefits:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Here is how you can apply for this program.

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

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

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

We have a…

little-horse-creek

creekside…

little-horse-creek

seminar hall where…

little-horse-creek

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

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

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

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

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

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

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

Thomas Fischer’s email is fischer@jgam.com

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

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

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

Satisfaction Guaranteed.  Three Guarantees.

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

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

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

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

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

Money Transfer Risks


Money transfer risks have increased over the years.

Modern communications technology has made it technically easier to move money globally than ever before.

Yet slowly over the past several decades, the rights of bank privacy and the ability to transfer money around the world freely have eroded because of OECD rules.

OECD headquarters.

Photo from OECD.org

One reason for this is that that international anti terror and anti money laundering agreements require banks to know their customers… to know where money comes from and where it goes.  These global agreements get translated into national regulations.  Each country than advises it banking system what to do.  The banking systems inform their banks. The banks outline what the believe needs to be done  to their employees… usually compliance officers and this places the bank in the position of policing the movement of money.

Banks pretty much hate the job… as it takes time… expense… places them in adversarial roles with their customers and overall gums up the mechanisms of free trade. But they must… or face the wrath of their government if… by some chance a criminal or terrorist launders money through their bank.

Banks are not the only industry to face this dilemma. Take English lawyers as an example.  They are required by law… if they believe a client is involved in a illegal activity to report this to the government.  They then cannot communicate in any way with that client for a prescribed period of time.

Already this has created at least one massive law suit. An attorney believed a client was involved in some form of criminal activity and reported the fact.  The refusal of the attorney to communicate (and complete a contract) with the client caused the deal… which turned out to be legitimate and worth hundreds of millions… to fall though.  The client suffered a huge loss.  Ooops.

Professionals and bankers can be caught between this rock and hard spot. They are not and do not want to be policemen… but must be or face disastrous consequences.

Here comes the crunch.  Some compliance officers and or bankers or attorneys want to be policemen or have unclear instruction, or poor training or whatever.  They can mess up your money transfers when you try to buy real estate in Ecuador or abroad anywhere abroad  or try to make an international investment that requires a money transfer.

This can dramatically complicate your investing, business  or real estate activity.

Here are a few examples.

Years ago one of our readers opened a stock brokerage account with a US brokerage firm.  Some activity in that account alerted the suspicions of  a compliance officer. He froze the account and turned it over to US customs.  The firm fired the broker involved.

The reader wrote to me several times and swore there was nothing illegal going on. The broker confirmed this.  I called the brokerage office. They referred me to the customs officer in charge who would not comment on any ongoing investigation. Neither the reader or the broker knew what the alleged infraction might have been.  I never heard the outcome but know that after six months the account was still locked and the broker never rehired.

I was caught in a compliance trap due to lack of international commercial standards in compliance.

Merri and I were buying real estate in Ecuador.  I had my bank in Denmark wire funds to an Ecuador attorney. Since the funds exceeded $50,000 the bank in Quito froze the funds and wanted proof they came from a legitimate account. My Danish bankers wrote to the Ecuador bankers saying I was known for 25 years and the funds were legitimate. The Quito bank said this was not enough… but never outlined what they did require.  The Danish bank didn’t have a clue about what to do. Only the threat of a lawsuit by my Ecuador attorney broke the log jam.  I could have suffered a serious loss via breach of contract by not paying for the property as contracted had my attorney not taken this stance.

Last year I had cash frozen. We had been processing credit card orders with one bank for over 2o years and had a perfect track record.  Some transaction… I’ll never know what it was caused some compliance officer to panic. He froze the account with $14,000 of our funds.   The compliance officer acted extremely strange.  Crazy since we are publishers selling data but then he stopped communicating at all.   No one would reply to phone messages. Mail I sent was returned.  The company literally refused to acknowledge that I was even a customer.

Only through sheer luck did I happen to mention this to a friend who happened to know the ex CEO of the firm who knew the head of compliance.   A quiet word managed to lubricate the wheels of the system and though the institution lost me as a customer…  finally after nearly a  year we received the frozen funds.

I was reminded of this erosion of freedom when a reader recently sent me this note.

Gary, I participated in the Ecuador Living Cuenca Real Estate Tour recommended on your website and I would recommend the tours to anyone.

This email is just for informational purposes because I believe my experience may possibly be of interest to you.   I doubt I am the only person that is encountering this type of problem.

The situation is:

I am a United States citizen that has deposited funds into the Canadian Western Bank in British Columbia.  Last  week I faxed a Wire Transfer Request form to the bank  for a down payment on a condominium in Cuenca. Then I called the bank with questions about the form and spoke to a manager. She informed me the bank can not release the funds until a regulatory entity approves the release of the funds. The Canadian government has a list of countries it doesn’t want funds sent to;  Ecuador is on that list.  The manager then told me I had  to complete another form that could be completed by answering questions she would ask by telephone.  The questions noted below were some of the questions (as  best as I can recollect) with respect to the second form:

a.  What do I plan to do with the funds in Ecuador?
b.  Do I plan to live permanently to Ecuador?  If so, why?
c.  Will  the condominium  be my primary residence, 2nd home, rental?
d.  What was the source of the funds I initially deposited into Canadian Western bank?
e.  Why did I deposit funds with Canadian Western bank initially?
f.   Did I investigate the attorney handling the sale?
g.  How do I know the attorney is honest?
h.  Will the wired funds be put into a trust until the sale is  completed?  If the funds are deposited into the attorney’s account how do I know  he won’t steal  the funds?
i.   Why isn’t a title  company handling the escrow?

The bank doesn’t dispute the funds are mine.  I was asked many  intrusive questions. The bank manager told me  one purpose for the questions is money laundering, another reason is because the government disapproves of Ecuador therefore a determination will be made if the funds will be released to wire to Ecuador.

Also, I asked the manager if 30% of the funds will be with-held per the request of the United States government.  She said yes, but she didn’t know if it would be 30% of the withdrawn funds or 30% or the total funds on deposit. That was when she asked why I deposited the funds in Canada.  I told her it was because many U.S. banks are not financially sound and the FDIC won’t release their names therefore I don’t know if my bank is financially sound.  Also, that I have read Canadian banks are rated as among the safest in the world.

Another reader wrote:

After reading the note above a Canadian reader shared this comment:   Gary,  Thank you for this forum to read and get information. As  Canadians we have wired money to Ecuador 4 times for the purchase of two pieces of property.  The latest transfer was last September so I just called my bank (Royal Bank of Canada) and they have no restrictions against sending money to Ecuador, in fact said they could not believe that any Canadian Bank would. However Western Canada Bank is a very small banking entity and so that  may be the problem.  I would also imagine that depositing in another country and then transfering the money out to yet another might be grounds for nervousness.  regards.

I agree with the Canadian reader.  I suspect that the American reader who transferred money to Canada before transferring it on to Ecuador had a problem for two reasons.

Problem #1:  Immediate back to back transfers are one of the transactions that banks look for.  They ask… why go from Bank  A to go to Bank B to Bank C unless you are trying to hide something.? Why not transfer direct from Bank A to Bank C?

Problem #2:  The compliance officer obviously was ill informed or more likely confused (I am being polite here).  The 30% withholding tax is a totally different issue and should have had nothing to do with a transfer. Ditto I have never heard of any restriction of transfers between the US or Canada to Ecuador.

There was a list, of countries that were labeled  “tax havens that did not provide sufficient bank transparency” published by the Organization for Economic Cooperation and Development, (OECD) a Paris-based group of wealthy nations, in coordination with the G-20. That list singled out four countries as the worst offenders: Costa Rica, Malaysia, the Philippines and Uruguay. Another 38 countries and territories, including the Cayman Islands, Panama, Bahamas and Liechtenstein, were listed as less serious offenders.

Ecuador was never on that list.

The 2010 OECD report COUNTERING OFFSHORE TAX EVASION stated “With the commitments of Costa Rica, Malaysia, the Philippines and Uruguay, all jurisdictions covered in the Global Forum’s assessments have now agreed to implement the standard.

One may have a perfectly legitimate reason for doing something unusual… but beware… surprising your banker with an unusual  transfer can cause delays… undue attention and loss.

Here is what I now do to make sure my international investments and transfers are not hung up or worse.

#1: I spend more time with my banker. The rules say that my banker has to know me so I make it a point to get to know my banker and let him know what I am doing.

#2: I ask my banker questions. Before I make any unusual transaction… I ask my banker about it… is there a less expensive easier way. I let him get involved so he can help me make a transaction. This can really pay off if anything goes wrong… because I followed my banker’s advice.

#3: I get permission. Before I make any transaction that will depend on bankers beyond mine… I tell them what I am doing, ask  what they want and get permission (and the names of those I ask).  For example if i were buying another piece of real estate in Ecuador… before I transferred the payment I would contact the Ecuador bank that is to receive the money and make sure I knew what they wanted (and who told me what they wanted) to see in the transaction.

Modern communications technology makes it easier to transfer money.  Yet every silver lining has a cloud and in this case the technical ease of moving funds from one country to another also lubricates the movement of money earned through or for illegal activity and terrorism.  This fact has led to treaties, rules and regulations, often Draconian, always complicating the freedoms that should be ours.   I do not like this fact, but it is a fact so anticipate money transfer risks when you move money internationally.

Gary

International Investing: Middle East-Risk & Rewards


The time has come to think about international investing in the Middle East with its risk and rewards.

Andrei-Kozyrev

Take a tip from this Russian.

The shifts taking place in the Middle East could transform overseas investing!  This area is filled with intelligent… passionate, energetic people.  Capital abounds. There are phenomenal amounts of wealth and Pandora’s democratic box has been opened.

Yes, the chances of power vacuums create risks.  Yet the countries that get this transformation right could explode with growth and opportunity.

The first obvious international investment opportunity is in oil. We are reading a lot in main street media about the risks that high oil prices bring to the Western economy.   However these investments have already been made… so be careful of a downward bounce as those who jumped into oil at the beginning of this transformation take profits.

Look on the fringes.  Russia, for example. The ruble is incredibly sensitive to oil prices. Several years ago I had dinner with the first Foreign Minister (under Boris Yeltsen) of democratic Russia, Andrei V. Kozyrev.  He gave me a tip about investing in Russia. “Gary. he said… “investing in Russia is simple. Watch the price of oil.”

If oil prices rise and the ruble or Russian securities lag, think вложите капитал в Россию   (Invest in Russia).

My investment advisers, Jyske Global Asset Management (JGAM) emailed me about this last week and said:

Oil and turmoil

The North African/ Middle East turmoil continued this week, with many demonstrations especially in Libya, where the people demand that Colonel Gaddafi t step down and turn over the power. The EU-countries agree to prepare sanctions against Gaddafi’s Libya, however it remains to be seen how and when.

The turmoil has triggered the Oil prices as 25% of Libya’s oil production has been stopped. It is not much of the total global production, but the market is concerned that the turmoil will spread to the world’s largest oil exporter, Saudi Arabia. Saudi Arabia will do what they can to avoid an oil panic, thus having decided to increase the supply of oil to calm the market. All this has of course had an impact on the stocks this week, where we have seen increased volatility worldwide.

JGAM was head of the curve and emailed me January 15, 2011:  On 13 January 2011 JGAM’s Investment Committee held its ordinary, monthly meeting going through all managed portfolios. This email gives you a short summary of the changes we have made in our managed asset allocation portfolios (see the FX Update to track the managed FX portfolios).

We took profit on our Canadian dollars and swapped the proceeds into stocks, buying Statoil for the low risk portfolios and Alfa Laval for the medium and high risk portfolios, thereby increasing the equity exposure in all portfolios.

We also changed the loan mix on leveraged portfolios from 100% US dollar to 50% US dollar and 50% euro. On and off, the euro continues to be under pressure because of the unsolved sovereign debt crisis in the eurozone.

JGAM’s Statoil position has done well as the chart below shows.

Statoil is an international energy company with operations in 34 countries.  Headquartered in Norway with 20,000 employees worldwide, the shares are listed on the New York and Oslo stock exchanges.

statoil-chart

Statoil shares 1 month chart from fincae.yahoo.com

The company engages in the exploration, production and marketing of petroleum and operates primarily in Scandinavia, Poland, the Baltic States and Russia.

You can get more details on JGAM investment portfolios from Thomas Fischer Senior VP at JGAM. His email is fischer@jgam.com

Look at alternative energy investments. Today I am meeting with a contractor to install a solar system in Florida. We’ll  add hydro power in North Carolina as I believe that energy prices will rise.

Prices are not quite right… but I’ll explain in a future message why I am installing a 5040 solar voltaic system now.

Here is why I believe the democratic transformation in the Middle East will be real.

The Power

Modern communication technology allows populations globally to know how the rest of the world lives.  The power in this revolution  is held in the way such a large segment of the population is repressed.

For example, a National Geographic article entitled “Veiled Rebellion” tells of “Afghan women who suffer under the constraints of tribalism”. Here is an excerpt:

The Wails of a Jailed Wife

A female inmate at the Maz-e-Sahrif prison has just been released prompting Maida-Khal, 22, to cry out because she is still trapped in her cell.

When Maida-Kal was 12 she was married to a man of about 70 who was paralyzed.

“I was so young, I could not carry him because he was so heavy so his brothers would beat me,” she recalls. When she asked for a divorce for years ago she was imprisoned I am in jail because I don’t have a mahram (male guardian).

The Weapon

It all began with a rock… or perhaps a stick.  Some one…. sometime… a long time… eons ago was feeling repressed… for whatever reason.  He (probably) picked up a stick or a rock and let fly.   The projectile evolution… the great equalizer began.

Later the slingshot took this technology to the next level.  Then came gunpowder, bullets,  the Colt .45!

Next we saw bombs, missiles and rockets… plus increasingly sophisticated aiming techniques which brings us to this revolution.

Cell phones and the internet aiming…

rocks

rocks.  There are plenty of rocks… more than enough information and a determination for more freedom. I do not believe the Middle East will ever return to its old ways.

Other Opportunities

Other opportunities may come in commodities.

Here are three ways to earn from this.

#1: Invest in junk silver coins

A recent article entitled “Is It Time to Buy “Junk Silver” Dollars?” by Steve Emeric and published by Asset Strategies gives us a tip on junk silver. Here is an except:  As you know from reading our alerts and newsletters, we are huge fans of “junk silver” coins. By that we mean the pre-1965 dimes, quarters, and half-dollars from the U.S. Mint. Many of you have purchased them on our recommendation, not just because of their low premiums, but also for their wide acceptance, easy divisibility, and other good reasons.

In today’s message, I want to suggest a way you can give your “junk silver” purchases an extra kick. Think of how Emeril Legasse says “Bam!” as he adds some spice to a recipe. That’s what this recommendation can do for your precious-metals portfolio. And right now is the best time in years to act on this opportunity.

Instead of dimes, quarters, and half-dollars, the coins I’m talking about today are the Morgan and Peace Dollars minted prior to 1935 that are in VG (very good) condition. These silver dollars contain more silver than the pre-1965 dimes, quarters, and half-dollars we like so much. Yet they’re not in good enough condition to interest a serious collector. That’s why I call them “junk silver” dollars.

#2 Invest in Silver Wheaton shares.

#3: Invest in KCHM Polish Solver & Copper mine shares.

The Middle East has taken a powerful step towards democratic capitalism and freedom… the economic model that has been the most effective humanity has developed yet.  This can bring a better life to millions of oppressed people and it creates many kinds of opportunity.  One of the first opportunities will come from the turmoil and and short term fears this transition brings… so look more deeply at investing in commodities now.

Gary

Get the latest update on junk silver… Silver Wheaton shares and KCHM Polsa Mining shares.

We reviewed my portfolio (which includes each of the investments above) at our International Investment Seminar in February 2011.  You can listen to the seminar in a digital file on your computer… MP3 player… or a disk at home or in your car.

Listen to, Thomas Fischer of JGAM. Rich Checkan of Asset Strategies and me discuss where to invest in the months ahead.

Order my International Business Made EZ  seminar digital download here. $199.

Save $199 Enroll in our June or October International Business Made EZ seminar and you can have the digital seminar free. You save $199.

Full Refund Guarantee

Enroll in our June or October International Investing and Business Seminar. Get the digital download of our February seminar now free.  If you are not totally happy with the information you gain… just let us know within a month.  We’ll cancel your seminar reservation, send a full refund and you can keep the digital download free as our thanks for tuning in.

See below how to get our last business seminar online FREE.

See seminar details here.

Ecuador, as an oil exporter, will also benefits from Middle East turmoil, but not as much as it seems. Ecuador has crude reserves and exports crude but has no refineries. This means it has to import all its refined oil from Venezuela thus giving up a lot of its profit. In addition Ecuador subsidizes its gas and propane prices.  Gas is sold at $1.50 a gallon and a tank of propane that sells for $2.50 costs the government $16.

Higher oil prices help stabilizes the system… but the systems has these fundamental flaws… so in a way higher oil prices encourages waste in Ecuador.

ecuador-beach-real-estate

See a  20 to 40 times investment Bahia Ecuador Beach bargain here.

Read the entire article Is It Time to Buy Junk Silver” Dollars?

Gary Scott – International Investment Value Q&A


Gary Scott – International Investment Value Q&A

Saturday is the day we can express opinions and answer questions to enjoy the wisdom of the masses.  This issue focuses on international investment value.

Each day when I complete my message, I ask myself, “Is there something here that is interesting… and useful that can help make our readers’ lives better?”

We live in a universe of unlimited abundance and wisdom.  Yet that infinite wisdom also uses time to make everything go.

Other times the masses can be impossible and… crazy even in the short term.

In fact short term it is usually best to avoid the masses. See why at “avoid the masses”

A number of readers sent me a question in response to our article “Manta to Bahia Progress” that mentioned a 38 acre beach sit for sale at $15,000. that I wrote about in 2001.

Reader Question: Gary, Thanks for your daily missives, very educational.  The 38 acres you mention, could you please provide me with more info?  I would like to locate this on Google maps. Thank you for expanding on this info, Patrick.

My reply:  Thanks for getting in touch.  Please reread as that quote as it was from an article I wrote in 2001.  In the article I underlined 2001 as I worried readers would miss that fact that the road south is now over a decade old.

However I phrased this badly because a number of readers missed the point and requested the same data you have.

Regretfully you are ten years too late when it comes to looking south but I reviewed that old article to point out what happened back a decade as the new road north can have same impact and I’ll get to toot my horn about this ten years from now (or maybe sooner).

We’ll keep looking for contrast distortions and trends that might help you spot potential now for profits in the years ahead and look forward to sharing 2011 with you. 

Reader’s comment to my message explaining why I paid off my US dollar leverage because I am concerned about currency turmoil in Europe and the US in 2011.  Dear Gary,  I would like to make you aware if you are not to China’s commitment  to protect the Euro. This is new news and they are talking about loaning five billion dollars to Portugal. They have already offered some assistance to Greece.  I do not see the Euro exchange rate dropping very much with that backing. Best regards to you and Merri.

My Reply: Thanks. I hope you are correct. Instability in Europe would not be a good scenario.  However such news does not encourage me. The fact that Europe and China are publishing the fact that China is making these loans probably means that both Europe and China are worried.

Anytime any politician tells me not to worry… I start doing so… hence my added caution.

There is another reason to have concern over dollar euro turmoil.

A recent Economist article entitled “Squaring the triangle” points out the impact that low bond rates have on currencies and the stock market.  Here are excerpts:

Photo from the Economist article “Squaring the Triangle”.

THROUGHOUT 2010 financial markets have reflected a strange confluence of views. Government-bond yields have been low (outside peripheral Europe), indicating that investors are expecting low inflation and slow economic growth. But gold, an inflation hedge, has risen steadily, while American equities, a play on growth, have performed well.

This threefold combination cannot last for ever. That it has persisted for so long is probably down to the Federal Reserve’s quantitative easing (QE), which gave comfort to bulls in all three asset classes. The gold bugs saw QE as inflationary, equity enthusiasts saw the tactic as boosting growth and the bond markets had the comfort that the Fed would be the “buyer of last resort” for Treasuries.

Oddly enough, it was the launch of the Fed’s second round of QE in November that seems to have broken the logjam. The ten-year Treasury bond yield has increased from 2.56% to 3.53% since then, with an extra spurt after the announcement of an agreement to extend America’s Bush-era tax cuts, supplemented by a cut in the payroll tax.

Yet in the long run creating money to prop up asset prices is not a sustainable tactic.

Higher bond yields have other consequences that might not be quite so welcome. Mortgage rates in America have risen, casting a further pall over the subdued housing market. Influenced by the Treasury market, yields in Britain and Germany have risen by a third to a half of a percentage point over the past month, even though both countries are making strenuous efforts to keep their budget deficits under control. Higher yields in Germany, which sets the benchmark for other euro-zone countries, put pressure on peripheral borrowers.

Stockmarket investors should also think carefully before they celebrate too wildly over rising bond yields. After all, bulls were previously arguing that low yields were good news for equities, as they encouraged investors to move out of fixed-income assets in search of higher returns. On the best long-term measure, the cyclically adjusted price-earnings ratio, Wall Street looks overvalued on a multiple of 21.9, some 33% above the historic average. That already seems to price in a significant rebound in corporate profits. (Bolds and underline are mine).

The fundamental problem remains. In a “normal” American economy, with 2% inflation and 3% real GDP growth, government-bond yields ought to be around 5%. But yields at that level would be too high for the health of the housing market, the stockmarket and for other governments worldwide. The markets are no closer to resolving that dilemma than they were at the start of 2010.

Here is why I believe this creates a concern.  Governments have done a lot to stimulate the global economy.  This has created debt and soverign debt instability as it pushed up the stock market, but did not really get the industrialized economies growing.  This leads to inflation and higher interest rates which could slow economies again and cause currency turmoil and stock markets to fall.

We review how to invest in these condtions at our February Investing and Business Semainrs in Mt Dora.  See details below.

Reader’s comments: Ecuador real estate is a bubble in the making. Subject: Manta to Bahia Progress

My reply. The bubble may already be made in many parts of Ecuador. This is great for those of us who began buying 15 years ago but it’s also why we have been urging readers for some time to take advantage of unknown areas and why we warn DO NOT TRY to FLIP real estate in Ecuador.

See my previous articles on why you should not try to flip real estate anywhere at http://www.garyascott.com/2010/12/15/11138.html
and http://www.ecuadorliving.com/2010/12/28/investing-in-ecuador-real-estate.html

Read the messages above to see the importance of always seeking value. This is why we always warn: “Merri and I recommend that you Visit First. Then Rent before you buy. Make sure that Ecuador is the place you love and enjoy.  Then buy when you are sure.”

Some places and investments grow too expensive.  Others become really cheap.  Ecuador has become much more expensive than when Merri and I first started living and investing there 15 years ago.   However there is still good value for those who take the time to learn the real estate market and search for value.

See http://www.garyascott.com/2010/12/01/11066.html

After I announced that all visa applications for Ecuador many readers sent comments.

Reader’s Comments: Sounds like it is more of an internal government problem, rather than an  immigration problem. This might give the government a chance to make the process more straight forward, why wouldn’t Ecuador want retires money and knowledge, those that really want to be apart of the local communities and contribute, not those just trying to make a fast buck. I still plan to move to Cuenca the end of this month, I am just finalizing the details now. Thank you for the information, I really appreciate the information you make available, it really helps to gain a true picture of the country from someone that cares.

My friend from Florida moved to Cuenca three weeks ago and has her two children enrolled in school and is already making friends with the locals, not too many single ladies are capable of that on their own, and she and her children are just now learning the language. Now there is a story very few would have to tell. She had no contacts there before moving and only visited Ecuador briefly before making the decision to move there permanently.

Another reader wrote: I have had lunch with the members of the referred to immigration office before and after the removal of the Director for corruption. He was not well liked by the staff and they are witness against him.

My comment.  What makes Ecuador a great place are the people. This is why a woman with two children could move there alone and gain so much support, not because of a government plan.  The best scenario in my opinion would have been that the government never even became aware of the expats coming in.  Let them do as Ecuador’s constitution is designed…. treat all equally in the eyes of the law.  Ecuador does not need special benefits to attract expats and whatever a government does… they’ll most likely get it wrong.  My belief is the less government the better.

However Pandora is probably out of the box on this issue so remember the key to success is adaptability!

Gary

The most powerful protection in life is to be able to earn income globally… not depend on governments.  Learn how to earn below.

Terror From the Concept Conversion Trick


International Investing With The Concept Conversion Trick

By Gary A.Scott

Last week we began a series on the potential for terror in upcoming markets.

This potential comes because it is human nature to fear change.  When change comes too quickly, the fear turns to terror and one reason for this is because of the concept conversion trick.

gary-scott-publications

Gary Scott speaking about multi currency investing at a Jyske Bank seminar in Copenhagen, Denmark.

My first book about international investing  with the Concept Conversion Trick (published in the 1970s) is  entitled “Passport to International Profit.”

One entire chapter is about this “Concept Conversion Trick” and says:

“The Concept Conversion Trick begins when people agree on a good concept for working and living together.

The people go to work and if the concept is good they will create a paradise.

The government gives them a flag and a song. Then the government pulls the trick.

The government convinces the people that the flag and song are important.

Then while the people are busy watching the flag and singing the song, the government replaces the concept with a set of ever increasing written rules and regulations administered by bureaucrats and backed up by a police force.

This trick trades people’s individual freedoms for a shiver up the spine when the song is played the piece of cloth is waved.

The Concept Conversion Trick turns spirit into matter. Like trading love for a beautiful plastic doll. When the trick has been pulled and the dust settles, the people realize too late what has happened.

Anyone who steps out of line is called unpatriotic or even criminal. He is swatted down by the bureaucracy or police force, crushed with overwhelming power or made an example of so others will tow the mark ‘for the good of society’.

All this is done in the name of public interest.”

If this writing sounds prophetic having been written over 30 + years ago, it was not.

Any simple review of any previous great society shows this trick and evolution.

Like the Roman Empire , things may get better for a while, then worse and then better again. In the long term, as societies age, they lose their original vibrancy and life. Should we be surprised?

Does not every single thing in this universal existence develop in the same way, vibrant and flexible while young and growing thicker and more brittle with age?

My father was a great man (to me).  He loved animals and worked at the Portland City Zoological Gardens. He was a really kind, gentle, fair and scrupulously honest man.

Yet one of his jobs was doing the zoo’s annual budget. I recall him spending weeks late at night (on his own time) working over these budgets each year.

I also remember his telling me that every year they had to ask for more money because otherwise the city government would give them less.

“If we do a good job with their funds, the politicos will penalize us,” he told me.

This is how the bureaucracy and society works, millions of small units each trying to grow and spend a little more, until the whole thing swells into an unstoppable mass of self-interest.

This is the universal nature to grow until the growth becomes so excessive that balance is lost!  This truth shows us the nature of mankind and every underlying force that goes from birth to continuity and then transformation. This is the way of life and if we are smart investors we recognize this and adapt.

For about 65 years (1915 to 1965) … the USA became the leading most powerful economy.  A global concept… that America… the biggest and the best would lead the way. Its economy… its currency… its Yankee ingenuity would drive the economics of the world.

Now as this concept fades and no clear alternatives arrive… investors are feeling great fear.  This may lead to investing terror!

This is why I have almost always bet against the US dollar for the past four decades.

This is why my business has been global for more nearly 40 years.

This is why I am short the US dollar though I hold many assets in the USA.

This is why I invest in real estate.

This is why I diversify in multiple currencies and countries.

This is why I have been so involved in Ecuador. My experience is that Ecuador is very democratic free country filled with sweet friendly people.

This is why I focus on keeping my micro business diversified internationally.

This is where I am putting my money to protect (and so far) profit as markets are dominated by fear.

Others may choose to disagree. I hope so.  Disagreements create markets!  and this is exactly what will create the extra potential for those who invest now.

Gary

Live Anywhere – Earn Everywhere

A huge economic struggle is taking place.

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

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

Markets and social order can collapse at any time.

Schools are not safe from shooters on the rampage.

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

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

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

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

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

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

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

Seven companies are involved in a more sinister plot.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

May I coin a new word, Pruppie?

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

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

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

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

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

ecuador-banks

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

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

Let me provide one simple, concrete example.  Ginseng.

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

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

goldenseal ginseng

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

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

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

Here are some of the experiences this report shares:

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

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

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

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

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

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

Fwd: gary-scott-tipis

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

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Our North Carolina greenhouse.

gary scott greenhouse

Our Florida greenhouse.

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

merrily farms

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

My Guarantee

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

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

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

Buy Live Anywhere, Earn Everywhere Report  $39.99

Gary