Tag Archive | "JGAM"

Save Steps to Success in Difficult Times


Here are seven tips on how to fight hard times… plus a recorded interview on where to invest in 2012.

Yesterday Scotland really celebrated the New Year. This is perhaps the biggest holiday of the year and there are some good hardy Scottish traditions behind this celebration.  Cleaning the house on 31st December and clearing all your debts before “the bells” at midnight are two.

Wouldn’t the world be different if all of society actually did that?  The hard times faced now are based much on the fact that governments around the world have not been willing to clean the house each year.

“First footing” is part of the celebration as well and to ensure good luck for the house, the first foot should be male with symbolic coal, shortbread, salt, black bun and whiskey.

I hope there was one of the “First Foot” in your home.  Instead of whiskey and short bread (almost certainly not in your resolutions)… here are seven steps we all can take to prosper in hard times… or any time.

Plus there is a 38 minute interview with Thomas Fischer of Jyske Bank on  what the economy holds in 2012 and what to do in the year ahead after these seven steps .

The steps below are good for prosperity anytime.  When economies boom, we might ignore them and succeed.  If we ignore them now during a recession, it is at our peril.

#1: Look for every way you can to trim expenses.

#2: Do not be inflexible or proud. A seminar delegate told me about a friend who had risen from a zero net worth to having an Internet portfolio worth $300 million. “Then,” the delegate said, “he lost it all when the bubble burst. He went right back to where he started.”

That was not quite right. That investor did not go back to where he started. He most likely acquired bad habits when he thought he was worth $300 million! Unless he shed those habits when he went broke, it will make it harder for him to succeed again! In good times, we may think we deserve a certain way of life or that some things (luxuries for instance) are our inalienable rights. Really our only economic right is to spend a little less (maybe 90%) than we earn.

#3: Always save. No matter how tough the times always try to save at least 10% of your income. Those who do this almost never run into economic trouble.

#4: Look harder for the silver lining. There are more opportunities in bad times than good. An old British saying is “Where there is muck there is brass”. Business is solving problems and difficult times create problems. Look for ways that you (and/or your investments) can help others squeeze through tight times.

#5: Be positive. One of the greatest risks in recession is a can’t win attitude. If the economy falls drastically (say 30%), you still only have to be in the top 70% to get by. The entire history of modern humanity has been one of long term growth chopped by short term recessions. Current conditions are nothing new.

#6: Remain true to your economic plan. Use three phase investing.

Do not panic.  Stick by your investments (assuming they were made intelligently to begin). This will increase your odds of success and help you with step seven.

#7: Maintain perspective. Rethink Priorities.  Use a slowdown to rethink your grueling schedule.  Think about pursuing work that might pay less but is more meaningful. We live in the richest, most incredible era that mankind has ever known. Our poorest have more than the richest of just centuries ago. Yet this can be hard to remember when caught in the day-to-day rush of the material rat race.

Here is a 38 minute interview with Thomas Fischer of Jyske Bank on  what the economy holds in 2012 and what to do in the year ahead.

thomas-fischer

Thomas Fischer.

2012 Thomas Fischer Interveiw

Gary

Delegates of either our January or February seminars in Mt. Dora can also attend the New York seminar FREE.

Thomas Fischer and Jyske Global Asset Management will host a one day New York seminar on where to invest in 2012 with David Darst of Morgan Stanley and Peter Berizin of BCA Analysts.

This is an incredible opportunity because David Darst is managing director and chief investment strategist at Morgan Stanley, Smith Barney with responsibility for asset allocation and investment strategy. He was the founding president of the Morgan Stanley Investment Group after he joined Morgan Stanley 14 years ago from Goldman Sachs where he held senior management posts within the Equities Division and earlier, for six years as resident manager of their private bank in Zurich.  He  earned his MBA from Harvard Business School and was awarded a BA degree in Economics from Yale University.  He has lectured extensively at Wharton, Columbia, INSEAD and New York University business schools. For nine years he served as a visiting faculty member at Yale College, Yale School of Management and Harvard Business School.

Wow… what a resume.

David is an incredibly powerful speaker and a key part of  his beliefs is that the power of American innovation could create a huge positive economic recovery and this offered excellent investing opportunity.

gary-scott-photo

Gary Scott and Peter Berezin.

Peter Berezin is the managing editor, of Bank Credit Analyst (BCA).  BCA Research is one of the world’s leading independent providers of global investment research. Since 1949, the firm has provided its clients with leading-edge analysis and forecasts of the major financial markets, with clear and focused recommendations for investment strategy backed by time-tested proprietary indicators. BCA Research provides its services to investors in more than 90 countries through a range of products, consulting and conferences.

Peter joined BCA Research in 2010, as managing editor and member of the BCA research team. Previously for three years he was Vice President and Senior Global Economist with Goldman Sachs in New York.  Prior to joining Goldman Sachs, Peter spent 7 years with the International Monetary Fund. He has a Ph. D in Economics from the University of Toronto, a Master of Science (Economics) from the London School of Economics and a Bachelor of Arts (Economics) from McMaster University. He has extensive experience in analyzing global economic and financial market trends.

Thomas Fischer will lead this seminar and will bring what he learns and share with us at the February International Investing and Business seminar.

However if you enroll in either of our January or February seminars you can meet these speakers in New York this January FREE.

This is an important time to have timely advice from such experienced speakers because the current tough economic times increases opportunity, IF, finances survive!

Join us in January Super Thinking + Spanish course in Mt. Dora, Florida, January 12-15, 2012.

or join us with Thomas Fischer in February for International Investing & Business Made EZ,  Mt. Dora, Florida February 10-12, 2012.

Gary

Better still become an International Club member and attend both these and five other seminars or more FREE.

Belong to the International Club

The Huge 2019 Risk

Here is a huge risk that could explode in 2019.

I hope I am wrong… but the numbers are clear.

According to Treasurydirect.com, (1) as of December 27, 2018 the cost of interest on the total US public debt of $21,845,329,154,412.01.  Tht’s 23 trillion and 845 billion dollars.

This is not a theoretical problem for the future.  This is not something that our children and grandchildren will have to deal with.  This is a problem in the here and now for you and me.

Rising interest rates create a massive problem for every American.

US debt

The good news is I sent a note like this last year ad I was wrong.

Last year when I sent that note the debt was $20,467,375,664,755.32 (20 trillion+).  The debt has increased almost 1.4 trillion dollars in 2018.

This is good news and bad… the rock and the hard spot.  The bad news is that the rock (US federal debt) is getting bigger….harder to miss.  The Congressional Budget Office (CBO) projected in 2010 (the debt then was a bit over 14 trillion then) that, under law at that time, debt held by the public would exceed $16 trillion by 2020, reaching nearly 70 percent of GDP.

The $5 Trillion Error.

They sure goofed on that.  Here we are… only in 2019 and debt has shot past 21 trillion.

How could the CBO be so wrong? 

The CBO screwed up because they could never imagine that the Fed would push interest rates so low… and keep them there.  The interest rates are so low that the government has been able to borrow more than imagined and still afford the interest.

For example, US Federal government interest last year amounted to around $483 billion on the 20 trillion of debt.  Yet in 2008 on debt of only $9,229,172,659,218.31 (9 trillion +) the interest that year was $451,154,049,950.63 (451 billion +).

Interest payments in 2017 were 7% higher than they were in 2008.  Yet the debt is over 100% higher.  

Very low interest rates have helped the government borrow.  Low interest has also helped the US stocks reach all time high prices.

Now US dollar interest rates are rising.  In 2018 the interest costs were 8.2% higher than in 2017.   Yet the debt increase was only 6.7%.

The government will resist raising rates because it will ruin their budget, cause a collapse of the stock markets and destroy the US dollar.

Here is the very hard spot.  

Rising interest rates, will create an almost unimaginable debt crisis.  If government interest goes to 6% it is like the $20+ trillion national debt  rising to 40 trillion!  Unless there are some huge tax increase the interest payments are not sustainable.

A tax increase?  Last year’s tax act reduced, not increased, revenue.

Learn how to have more freedom and time, less stress, better health care, extra income, greater safety and profit in your savings despite America’s deficits, debt and currency risk.

Fortunately there are secrets that will allow a few to live much better, free of debt and worry despite the decline in the dollar’s purchasing power.   My wife, Merri and I, have traveled, lived, worked and invested around the world for nearly 50 years to gain this information.

Let me share the basics of this data and how we can be of help through 2018.

The first fact behind this secret is that things are really good in the western world.  Despite many problems, we are surrounded by more abundance and greater opportunity than almost anyone has ever enjoyed, anywhere, ever.   To enjoy a fair share of this wealth, all we have to do is understand human nature and learn how to invest in the new economy, as it changes and becomes new, again and again.

Merri and I have made seven huge transitions in the 50 years.  Each has allowed us to always stay ahead of losses that the majority of Americans suffer.  We are in another transition right now and want to share why and what to do so you can stay ahead and live a richer, independent life through 2019 and beyond.

A falling US dollar is one of the greatest risks we have to our independence, safety, health, and wealth, but also brings a window of huge profit as I explain below.   Though the greenback has been strong for a number of years, its strength is in serious jeopardy.  The growing federal deficits increase the national debt and this with rising interest rates propels a growing debt service.

While the Dow Jones Industrial Average passed 25,000, the U.S. national debt passed the $20 trillion mark.

The problem is that the Dow will come back down.  National debt will not fall.

The double shock of money fleeing Wall Street and US debt skyrocketing, will destroy the purchasing power of the greenback.

Go to the store even now.  Statistics say inflation is low, but buy some bread or, heaven forbid, some fresh vegetables like peppers or fruit.   Look at the cost of your prescription or hospital bills.  Do something simple like have your car serviced at an auto dealer.  Look at the dollars you spend and you’ll see what I mean.

The loss of the dollar’s purchasing power erodes our independence, our freedom and our savings and wealth as well. 

At the same time, low interest rates by big banks and higher health care costs soak up the ever diminishing income and savings we have left.  According to a Gallup poll, the most unpopular three institutions in America are big corporations & Wall Street banks, HMOs and Congress.

Yet there is little we can do because these institutions are in control.

Over the last 50 years the average income for 90 percent of the American population fell.  Our health system is restricted by a Kafka-esque maze of legislation and insurance regulations that delay, frustrate, and thwart attempts by patients and doctors from proper medical care.  Big banks and corporations restrict our freedom of choice.  The business customer relationships are no longer transactions between free equals.

Banks can trap us in indebtedness at every age from student loans to mortgages to health care costs.  They pay almost nothing on our savings.  They hide unexpected fees and payments in complex and unreadable documents.  Banks and big corporations routinely conceal vital information in small print and then cheat.  Weak regulations and lax enforcement leave consumers with few ways to fight back.  Many of these businesses ranging from cable TV to phone and internet service to health insurance have virtual monopolies that along with deceptive marketing destroys any form of free market.

These same companies control the credit-scoring agencies so if  we don’t pay unfair fees, our credit scores will plunge and we could lose the ability to borrow money, rent an apartment, even to get a job.  Many consumers are forced to accept “arbitration clauses” in lieu of  legal rights.  The alternative is to lose banking, power, and communication services.

Big business has also usurped our privacy.  Internet companies sell our personal data.  Personal information is pulled from WiFi and iPhones track and store our movements.  The government can access this information, sometimes without subpoenas.  There’s a lot that we don’t know, often withheld under the guise of “National Security.”

The glow on Western democratic capitalism has dimmed… or so it seems.  The US, leading the way, is still a superpower with economic, innovation and military might, but the institutions that should serve the people have become flawed or broken.

America’s infrastructure is in shambles.  The nation’s bridges are crumbling, many water systems are filled with toxins, yet instead of spending more to fix this, we build more prisons.  The 2.2 million people currently in  jail is a 500 percent increase over the past thirty years.  60% of the inmates belong to ethnic groups.  Not just non-white ethnic groups are suffering.  Annual death rates are falling for every group except for middle-aged white Americans.  Death rates are rising among this group driven by an epidemic of suicides and afflictions stemming from substance abuse, alcoholic liver disease and overdoses of heroin and prescription opioids.

America’s middle class is shrinking.  Nearly  half of America’s income goes to upper-income households now.  In 1970 only 29 percent went to this group.  How can we regain our freedom, our happiness and our well being in such a world?

What can we do?

Gain a better, freer life is to combine better health, higher income and greater savings for a happier, more resilient lifestyle. 

Merri and I will celebrate our 50th year of global living, working, investing and researching to find and share ideas on how to have simpler, low stress, healthier, more affluent lifestyles.  Our courses, reports and email messages look at ways to gain:

#1:  Global micro business income.

#2:  Low cost, natural health.

#3:  Safer, more profitable, investments that take little time or cost to buy and hold… so you can focus on earning more instead

Many readers use our services for just one of these three benefits.  They focus only on health or on earning more or on better, easier investing.

28 years ago Merri and I created the International Club as a way for readers to join us and be immersed in all three of these benefits.   The International Club is a year long learning program aimed at helping members earn worry free income, have better affordable good health and gain extra safety and profits with value investments.

Join us for all of 2019 NOW.

The three disciplines, earning, health and investing, work best when coordinated together.  Regretfully the attacks on our freedom are realities of life.  There is little we can do to change this big picture.  However we can change how we care for our health, how we earn and how we save so that we are among the few who live better despite the dollar’s fall.

We start with better lower cost health care.

Club membership begins by sharing ways to be free of the “Secret Hospital Charge Master”.   Just as governments hide truth behind “National Security”, big health care businesses hide medical truths behind “Charge masters”.  Most hospital charge masters are secret because big business does not want us to know how much hospital costs have risen.  Motivations beyond our good health, like corporate greed, want to keep us in the dark about health care cost.

Despite rising health care costs, a report from the Centers for Disease Control & Prevention shows that hospitals are the last place we want to be for good health.  One report shows that hospital-acquired infections alone kills 57% more Americans every year than all car accidents and falls put together.

Often, what patients catch in the hospital can be worse than what sent them there.  Governments and health care agencies agree  – antibiotic resistance is a “nightmare.”  An antibiotic-resistant bacteria may be spreading in more hospitals than patients know.  About one in every 25 hospitalized patients gets an infection and a report from the Journal of Patient Safety showed that medical errors are the third-leading cause of death in the country.

Along with the risk of hospital acquired illness and medical errors, the second huge threat to our well being… is health care costs, especially at hospitals.  This is why charge masters are so often secret.  There are few risks to our wealth that are greater than a hospital stay.

I have created three natural health reports are about:

#1: Nutrition

#2: Purification

#3: Exercise

Each report is available for $19.95.  However you’ll receive this free as club member and save $59.85.

Club members also receive seven workshops and courses on how earn everywhere with at home micro businesses.  We call this our “Live Well and Free Anywhere Program”.   The program contains a series of courses and reports that show ways to earn and be free. These courses and reports are:

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

This program is offered at $299, but is available to you as a club member free.  You save $299 more.

Next, club members participate in an intensive program called the Purposeful investing Course (Pi).  The purpose of Pi is finding value investments that increase safety and profit.  Learn Slow, Worry Free, Good Value Investing.

Stress, worry and fear are three of an investor’s worst enemies.  These destroyers of wealth can create a Behavior Gap, that causes investors to underperform in any market good or bad.  The behavior gap is created by natural human responses to fear.  Pi helps create profitable strategies that avoid losses from this gap.

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

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

There are seven layers of tactics in the Pi strategy.

Pi Tactic #1: Determine purpose and good value.

Pi Tactic #2: Diversify 70% to 80% of portfolio equally in good value developed markets.

Pi Tactic #3: Invest 20% to 30% equally in good value emerging markets.

Pi Tactic  #4:  Use trending algorithms to buy sell or hold these markets.

Pi Tactic  #5:  Add spice speculating with ideal conditions.

Pi Tactic  #6: Add spice speculating with leverage.

Pi Tactic  #7:  Add spice speculating with forex potential.

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

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return

#7:  Market history

We combine the research of several brilliant mathematicians and money managers with my years of investing experience.

This is a complete and continual study of what to do about the movement of international major and emerging stock markets.  I want to share this study throughout the next year with you.

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

The costs are low and this type of ETF is one of the hardest for institutions to cheat.  Expense ratios for most ETFs are lower than those of the average mutual fund.  Little knowledge, time, management or guesswork are required.  The investment is simply a diversified portfolio of good value indices.  Investments in an index are like investments in all the shares of a good value market.

Pi opens insights to numerous long term cycles that most investors miss because they have not been investing long enough to see them.

The Pi subscription is normally $99 per annum but as a club member you receive Pi at no charge and save an additional $99.

Profit from the US dollar’s fall.

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

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

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

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

This report sells for $29.95 but when you become a club member you receive the report, “Three Currency Patterns For 50% Profits or More” FREE.

Plus get the $39.99 report, “The Platinum Dip 2019” free.

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

Now there is a new distortion ready to ripen in the year ahead.

These two events are a strong sign to invest in precious metals.

I prepared a special report “Platinum Dip 2019”.   The report explains the exact conditions you need to make leveraged precious metal speculations that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share long term lessons about speculating in precious metals gained through 30 years of speculating and investing in gold and silver.

The low price of silver offers special value now so I want to send you this report because the “Platinum Dip 2018” offers enormous profit potential in 2018.

The report “Platinum Dip 2019” sells for $39.95 but club members receive it free as well.

The $39.95 new “Live Anywhere – Earn Everywhere Report” is also free.

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 but also work well in disaster scenarios.

There are are specific places where you can reduce your living expenses and easily increase your income.  Scientific research has shown that being in such places actually make you smarter and healthier.  Top this off with the fact that they provide tax benefits as well and you have to ask, “Where are these places?”.

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

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 describes what Merri and I, our children and even my sister and thousands of our readers have done and are doing, right now.

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

This report is available online for $39.99 but International Club members receive it free.

Save $418.78… “plus more” when you become a club member.

Join the International Club and receive:

#1: The $99 Personal investing Course (Pi).   Free.

#2: The $299 “Live Well and Free Anywhere Program”. Free.

#3: The $29.95 report “Three Currency Patterns For 50% Profits or More”. Free.

#4: The $39.99 report “Platinum Dip 2018”. Free

#5: The three $19.99 reports “Shamanic Natural Health”.  All three free.

#6: The $39.99 “Live Anywhere – Earn Everywhere” report. Free.

#7: A year’s follow up subscription to the Purposeful investing course… Plus more.

These reports, courses and programs would cost $527.92 so the 2018 membership saves $117.92.

Join the International Club for $349 and receive all the above online now, plus all reports, course updates and Pi lessons 2019 at no additional fee.

Click here to become a member at the discounted rate of $349

Gary 

(1) www.treasurydirect.gov/NP/debt/current

 

 

 

 

Double D Investing Haven


The Double D Investing Haven is the Dollar and Danish kroner.

Last week JGAM sent me the note below about two haven currencies.

U.S. dollar and Danish kroner used as safe haven currencies

There is a good chance that this week will end with relief on markets as a successful Spanish bond auction and positive economic news from the U.S. yesterday caused global equities to rise for the first time this week. At the Spanish auction buyers asked for 6bn euro worth of debt, almost twice the initial bonds on offer.

Monday risk assets suffered significant losses as investors had second thoughts on last week’s EU summit agreement. As Martin Wolf, chief economics commentator, wrote in the Financial Times on 14 Dec, “A disastrous failure at the summit… to tighten the screws on fiscal deviants. It may feel good. But it will not work.” Also, Italy auctioned 7bn euro of 1-year bonds at a yield close to 6%, slightly lower than an auction one month ago but still an extreme and unsustainable level.

Tuesday, the U.S. Federal Reserve published a standstill statement as the central bank on the one hand has become more optimistic on the U.S. economic outlook, and on the other hand remains concerned about the potential damage the eurozone crisis may have.

Wednesday, stocks and the euro continued to sink. The euro declined below 130 U.S. dollar for the first time since January 2011. The dollar not only strengthened against the euro, the dollar index also jumped to 80.5, close to the high for the year. The general dollar rise is an indication of investors seeking safe haven. Something similar is happening to the Danish kroner. It’s strong and therefore, the Danish National Bank lowered its leading interest rate another notch down to 0.7%, now 0.3% points below the euro level.

Let’s look at those currencies compared to the BRIC  (Brazil, Russia, India and China) as well as the euro.

A dollar euro chart from www.finance.yahoo.com shows  woo thegreenback is rising thugh far from where it skyrocketed in the 2009 crisis.

brazil-charts

The long term fundamentals of the Brazilian currency are much higher than the dollar’s so the dollar offers protection now but once its gets around two real per dollar there will be some good opportunity.

Brazil is a good value market with strong long term potential and investments in the Wisdom Tree Dreyfus Brazilian Real Fund can add a solid holding in a multi currency portfolio.  As this fund price falls… as is shown in its chart (also from www.finance.yahoo.com), this market’s downturn  creates greater value.

brazil-charts

Get multi currency updates faster.

My normal messages take time to post and mail.  To speed up the process I have added Twitter to our service. I sent a tweet leading to this site last week.

Twitter gives me the ability to get messages to you faster so I invite you to follow my tweets at http://twitter.com/garyascott

Tweets also give you a way to pass on the information quickly to others that you feel will benefit from this information.

Get more multi currency information.

International Club members and Multi Currency Portfolio Subscribers can see research on all the BRIC countries and euro plus our previous comments on Brazil in September at their password protected site here

International Club members and Multi Currency Portfolio Subscribers can read the full Cash in Crash – Brazil Brazil report at their password protected site here .

The Cash in Crash – Brazil report can be purchased at www.amazon.com to be read on the Kindle, $4.99.

Learn how to get a Multi Currency Portfolio password.

Gary

Join us for a year and receive all our services, seminars and courses FREE.

Belong to the International Club

The Huge 2019 Risk

Here is a huge risk that could explode in 2019.

I hope I am wrong… but the numbers are clear.

According to Treasurydirect.com, (1) as of December 27, 2018 the cost of interest on the total US public debt of $21,845,329,154,412.01.  Tht’s 23 trillion and 845 billion dollars.

This is not a theoretical problem for the future.  This is not something that our children and grandchildren will have to deal with.  This is a problem in the here and now for you and me.

Rising interest rates create a massive problem for every American.

US debt

The good news is I sent a note like this last year ad I was wrong.

Last year when I sent that note the debt was $20,467,375,664,755.32 (20 trillion+).  The debt has increased almost 1.4 trillion dollars in 2018.

This is good news and bad… the rock and the hard spot.  The bad news is that the rock (US federal debt) is getting bigger….harder to miss.  The Congressional Budget Office (CBO) projected in 2010 (the debt then was a bit over 14 trillion then) that, under law at that time, debt held by the public would exceed $16 trillion by 2020, reaching nearly 70 percent of GDP.

The $5 Trillion Error.

They sure goofed on that.  Here we are… only in 2019 and debt has shot past 21 trillion.

How could the CBO be so wrong? 

The CBO screwed up because they could never imagine that the Fed would push interest rates so low… and keep them there.  The interest rates are so low that the government has been able to borrow more than imagined and still afford the interest.

For example, US Federal government interest last year amounted to around $483 billion on the 20 trillion of debt.  Yet in 2008 on debt of only $9,229,172,659,218.31 (9 trillion +) the interest that year was $451,154,049,950.63 (451 billion +).

Interest payments in 2017 were 7% higher than they were in 2008.  Yet the debt is over 100% higher.  

Very low interest rates have helped the government borrow.  Low interest has also helped the US stocks reach all time high prices.

Now US dollar interest rates are rising.  In 2018 the interest costs were 8.2% higher than in 2017.   Yet the debt increase was only 6.7%.

The government will resist raising rates because it will ruin their budget, cause a collapse of the stock markets and destroy the US dollar.

Here is the very hard spot.  

Rising interest rates, will create an almost unimaginable debt crisis.  If government interest goes to 6% it is like the $20+ trillion national debt  rising to 40 trillion!  Unless there are some huge tax increase the interest payments are not sustainable.

A tax increase?  Last year’s tax act reduced, not increased, revenue.

Learn how to have more freedom and time, less stress, better health care, extra income, greater safety and profit in your savings despite America’s deficits, debt and currency risk.

Fortunately there are secrets that will allow a few to live much better, free of debt and worry despite the decline in the dollar’s purchasing power.   My wife, Merri and I, have traveled, lived, worked and invested around the world for nearly 50 years to gain this information.

Let me share the basics of this data and how we can be of help through 2018.

The first fact behind this secret is that things are really good in the western world.  Despite many problems, we are surrounded by more abundance and greater opportunity than almost anyone has ever enjoyed, anywhere, ever.   To enjoy a fair share of this wealth, all we have to do is understand human nature and learn how to invest in the new economy, as it changes and becomes new, again and again.

Merri and I have made seven huge transitions in the 50 years.  Each has allowed us to always stay ahead of losses that the majority of Americans suffer.  We are in another transition right now and want to share why and what to do so you can stay ahead and live a richer, independent life through 2019 and beyond.

A falling US dollar is one of the greatest risks we have to our independence, safety, health, and wealth, but also brings a window of huge profit as I explain below.   Though the greenback has been strong for a number of years, its strength is in serious jeopardy.  The growing federal deficits increase the national debt and this with rising interest rates propels a growing debt service.

While the Dow Jones Industrial Average passed 25,000, the U.S. national debt passed the $20 trillion mark.

The problem is that the Dow will come back down.  National debt will not fall.

The double shock of money fleeing Wall Street and US debt skyrocketing, will destroy the purchasing power of the greenback.

Go to the store even now.  Statistics say inflation is low, but buy some bread or, heaven forbid, some fresh vegetables like peppers or fruit.   Look at the cost of your prescription or hospital bills.  Do something simple like have your car serviced at an auto dealer.  Look at the dollars you spend and you’ll see what I mean.

The loss of the dollar’s purchasing power erodes our independence, our freedom and our savings and wealth as well. 

At the same time, low interest rates by big banks and higher health care costs soak up the ever diminishing income and savings we have left.  According to a Gallup poll, the most unpopular three institutions in America are big corporations & Wall Street banks, HMOs and Congress.

Yet there is little we can do because these institutions are in control.

Over the last 50 years the average income for 90 percent of the American population fell.  Our health system is restricted by a Kafka-esque maze of legislation and insurance regulations that delay, frustrate, and thwart attempts by patients and doctors from proper medical care.  Big banks and corporations restrict our freedom of choice.  The business customer relationships are no longer transactions between free equals.

Banks can trap us in indebtedness at every age from student loans to mortgages to health care costs.  They pay almost nothing on our savings.  They hide unexpected fees and payments in complex and unreadable documents.  Banks and big corporations routinely conceal vital information in small print and then cheat.  Weak regulations and lax enforcement leave consumers with few ways to fight back.  Many of these businesses ranging from cable TV to phone and internet service to health insurance have virtual monopolies that along with deceptive marketing destroys any form of free market.

These same companies control the credit-scoring agencies so if  we don’t pay unfair fees, our credit scores will plunge and we could lose the ability to borrow money, rent an apartment, even to get a job.  Many consumers are forced to accept “arbitration clauses” in lieu of  legal rights.  The alternative is to lose banking, power, and communication services.

Big business has also usurped our privacy.  Internet companies sell our personal data.  Personal information is pulled from WiFi and iPhones track and store our movements.  The government can access this information, sometimes without subpoenas.  There’s a lot that we don’t know, often withheld under the guise of “National Security.”

The glow on Western democratic capitalism has dimmed… or so it seems.  The US, leading the way, is still a superpower with economic, innovation and military might, but the institutions that should serve the people have become flawed or broken.

America’s infrastructure is in shambles.  The nation’s bridges are crumbling, many water systems are filled with toxins, yet instead of spending more to fix this, we build more prisons.  The 2.2 million people currently in  jail is a 500 percent increase over the past thirty years.  60% of the inmates belong to ethnic groups.  Not just non-white ethnic groups are suffering.  Annual death rates are falling for every group except for middle-aged white Americans.  Death rates are rising among this group driven by an epidemic of suicides and afflictions stemming from substance abuse, alcoholic liver disease and overdoses of heroin and prescription opioids.

America’s middle class is shrinking.  Nearly  half of America’s income goes to upper-income households now.  In 1970 only 29 percent went to this group.  How can we regain our freedom, our happiness and our well being in such a world?

What can we do?

Gain a better, freer life is to combine better health, higher income and greater savings for a happier, more resilient lifestyle. 

Merri and I will celebrate our 50th year of global living, working, investing and researching to find and share ideas on how to have simpler, low stress, healthier, more affluent lifestyles.  Our courses, reports and email messages look at ways to gain:

#1:  Global micro business income.

#2:  Low cost, natural health.

#3:  Safer, more profitable, investments that take little time or cost to buy and hold… so you can focus on earning more instead

Many readers use our services for just one of these three benefits.  They focus only on health or on earning more or on better, easier investing.

28 years ago Merri and I created the International Club as a way for readers to join us and be immersed in all three of these benefits.   The International Club is a year long learning program aimed at helping members earn worry free income, have better affordable good health and gain extra safety and profits with value investments.

Join us for all of 2019 NOW.

The three disciplines, earning, health and investing, work best when coordinated together.  Regretfully the attacks on our freedom are realities of life.  There is little we can do to change this big picture.  However we can change how we care for our health, how we earn and how we save so that we are among the few who live better despite the dollar’s fall.

We start with better lower cost health care.

Club membership begins by sharing ways to be free of the “Secret Hospital Charge Master”.   Just as governments hide truth behind “National Security”, big health care businesses hide medical truths behind “Charge masters”.  Most hospital charge masters are secret because big business does not want us to know how much hospital costs have risen.  Motivations beyond our good health, like corporate greed, want to keep us in the dark about health care cost.

Despite rising health care costs, a report from the Centers for Disease Control & Prevention shows that hospitals are the last place we want to be for good health.  One report shows that hospital-acquired infections alone kills 57% more Americans every year than all car accidents and falls put together.

Often, what patients catch in the hospital can be worse than what sent them there.  Governments and health care agencies agree  – antibiotic resistance is a “nightmare.”  An antibiotic-resistant bacteria may be spreading in more hospitals than patients know.  About one in every 25 hospitalized patients gets an infection and a report from the Journal of Patient Safety showed that medical errors are the third-leading cause of death in the country.

Along with the risk of hospital acquired illness and medical errors, the second huge threat to our well being… is health care costs, especially at hospitals.  This is why charge masters are so often secret.  There are few risks to our wealth that are greater than a hospital stay.

I have created three natural health reports are about:

#1: Nutrition

#2: Purification

#3: Exercise

Each report is available for $19.95.  However you’ll receive this free as club member and save $59.85.

Club members also receive seven workshops and courses on how earn everywhere with at home micro businesses.  We call this our “Live Well and Free Anywhere Program”.   The program contains a series of courses and reports that show ways to earn and be free. These courses and reports are:

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

This program is offered at $299, but is available to you as a club member free.  You save $299 more.

Next, club members participate in an intensive program called the Purposeful investing Course (Pi).  The purpose of Pi is finding value investments that increase safety and profit.  Learn Slow, Worry Free, Good Value Investing.

Stress, worry and fear are three of an investor’s worst enemies.  These destroyers of wealth can create a Behavior Gap, that causes investors to underperform in any market good or bad.  The behavior gap is created by natural human responses to fear.  Pi helps create profitable strategies that avoid losses from this gap.

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

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

There are seven layers of tactics in the Pi strategy.

Pi Tactic #1: Determine purpose and good value.

Pi Tactic #2: Diversify 70% to 80% of portfolio equally in good value developed markets.

Pi Tactic #3: Invest 20% to 30% equally in good value emerging markets.

Pi Tactic  #4:  Use trending algorithms to buy sell or hold these markets.

Pi Tactic  #5:  Add spice speculating with ideal conditions.

Pi Tactic  #6: Add spice speculating with leverage.

Pi Tactic  #7:  Add spice speculating with forex potential.

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

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return

#7:  Market history

We combine the research of several brilliant mathematicians and money managers with my years of investing experience.

This is a complete and continual study of what to do about the movement of international major and emerging stock markets.  I want to share this study throughout the next year with you.

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

The costs are low and this type of ETF is one of the hardest for institutions to cheat.  Expense ratios for most ETFs are lower than those of the average mutual fund.  Little knowledge, time, management or guesswork are required.  The investment is simply a diversified portfolio of good value indices.  Investments in an index are like investments in all the shares of a good value market.

Pi opens insights to numerous long term cycles that most investors miss because they have not been investing long enough to see them.

The Pi subscription is normally $99 per annum but as a club member you receive Pi at no charge and save an additional $99.

Profit from the US dollar’s fall.

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

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

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

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

This report sells for $29.95 but when you become a club member you receive the report, “Three Currency Patterns For 50% Profits or More” FREE.

Plus get the $39.99 report, “The Platinum Dip 2019” free.

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

Now there is a new distortion ready to ripen in the year ahead.

These two events are a strong sign to invest in precious metals.

I prepared a special report “Platinum Dip 2019”.   The report explains the exact conditions you need to make leveraged precious metal speculations that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share long term lessons about speculating in precious metals gained through 30 years of speculating and investing in gold and silver.

The low price of silver offers special value now so I want to send you this report because the “Platinum Dip 2018” offers enormous profit potential in 2018.

The report “Platinum Dip 2019” sells for $39.95 but club members receive it free as well.

The $39.95 new “Live Anywhere – Earn Everywhere Report” is also free.

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 but also work well in disaster scenarios.

There are are specific places where you can reduce your living expenses and easily increase your income.  Scientific research has shown that being in such places actually make you smarter and healthier.  Top this off with the fact that they provide tax benefits as well and you have to ask, “Where are these places?”.

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

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 describes what Merri and I, our children and even my sister and thousands of our readers have done and are doing, right now.

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

This report is available online for $39.99 but International Club members receive it free.

Save $418.78… “plus more” when you become a club member.

Join the International Club and receive:

#1: The $99 Personal investing Course (Pi).   Free.

#2: The $299 “Live Well and Free Anywhere Program”. Free.

#3: The $29.95 report “Three Currency Patterns For 50% Profits or More”. Free.

#4: The $39.99 report “Platinum Dip 2018”. Free

#5: The three $19.99 reports “Shamanic Natural Health”.  All three free.

#6: The $39.99 “Live Anywhere – Earn Everywhere” report. Free.

#7: A year’s follow up subscription to the Purposeful investing course… Plus more.

These reports, courses and programs would cost $527.92 so the 2018 membership saves $117.92.

Join the International Club for $349 and receive all the above online now, plus all reports, course updates and Pi lessons 2019 at no additional fee.

Click here to become a member at the discounted rate of $349

Gary 

(1) www.treasurydirect.gov/NP/debt/current

 

 

 

Two Haven Currencies


Here are two haven currencies.

Jyske Global Asset Mangers just sent me this note:    U.S. dollar and Danish kroner used as safe haven currencies

There is a good chance that this week will end with relief on markets as a successful Spanish bond auction and positive economic news from the U.S. yesterday caused global equities to rise for the first time this week. At the Spanish auction buyers asked for 6bn euro worth of debt, almost twice the initial bonds on offer.

Monday, risk assets suffered significant losses as investors had second thoughts on last week’s EU summit agreement. As Martin Wolf, chief economics commentator, wrote in the Financial Times on 14 Dec, “A disastrous failure at the summit… to tighten the screws on fiscal deviants. It may feel good. But it will not work.” Also, Italy auctioned 7bn euro of 1-year bonds at a yield close to 6%, slightly lower than an auction one month ago but still an extreme and unsustainable level.

Tuesday, the U.S. Federal Reserve published a standstill statement as the central bank on the one hand has become more optimistic on the U.S. economic outlook, and on the other hand remains concerned about the potential damage the eurozone crisis may have.

Wednesday, stocks and the euro continued to sink. The euro declined below 130 U.S. dollar for the first time since January 2011. The dollar not only strengthened against the euro, the dollar index also jumped to 80.5, close to the high for the year. The general dollar rise is an indication of investors seeking safe haven. Something similar is happening to the Danish kroner. It’s strong and therefore, the Danish National Bank lowered its leading interest rate another notch down to 0.7%, now 0.3% points below the euro level.

Let’s look at those currencies compared to the BRIC  (Brazil, Russia, India and China) as well as the euro.

A dollar euro chart from www.finance.yahoo.com shows  woo thegreenback is rising thugh far from where it skyrocketed in the 2009 crisis.

brazil-charts

The long term fundamentals of the Brazilian currency are much higher than the dollar’s so the dollar offers protection now but  once its gets around two real per dollar there will be some good opportunity.

Brazil is a good value market with strong long term potential and investments in the Wisdom Tree Dreyfus Brazilian Real Fund can add a solid holding in a multi currency portfolio.  As this fund price falls… as is shown in its chart (also from www.finance.yahoo.com) this market’s downturn  creates greater value.

brazil-charts

International Club members and Multi Currency Portfolio Subscribers can see research on all the BRIC countries and euro plus our previous comments on Brazil in September at their password protected site here

International Club members and Multi Currency Portfolio Subscribers can read the full Cash in Crash – Brazil Brazil report at their password protected site here .

The Cash in Crash – Brazil report can be purchased at www.amazon.com to be read on the Kindle, $4.99.

Gary

Learn how to get a Multi Currency Portfolio password.

Join us for a year and receive all our services, seminars and courses FREE.

Belong to the International Club

The Huge 2019 Risk

Here is a huge risk that could explode in 2019.

I hope I am wrong… but the numbers are clear.

According to Treasurydirect.com, (1) as of December 27, 2018 the cost of interest on the total US public debt of $21,845,329,154,412.01.  Tht’s 23 trillion and 845 billion dollars.

This is not a theoretical problem for the future.  This is not something that our children and grandchildren will have to deal with.  This is a problem in the here and now for you and me.

Rising interest rates create a massive problem for every American.

US debt

The good news is I sent a note like this last year ad I was wrong.

Last year when I sent that note the debt was $20,467,375,664,755.32 (20 trillion+).  The debt has increased almost 1.4 trillion dollars in 2018.

This is good news and bad… the rock and the hard spot.  The bad news is that the rock (US federal debt) is getting bigger….harder to miss.  The Congressional Budget Office (CBO) projected in 2010 (the debt then was a bit over 14 trillion then) that, under law at that time, debt held by the public would exceed $16 trillion by 2020, reaching nearly 70 percent of GDP.

The $5 Trillion Error.

They sure goofed on that.  Here we are… only in 2019 and debt has shot past 21 trillion.

How could the CBO be so wrong? 

The CBO screwed up because they could never imagine that the Fed would push interest rates so low… and keep them there.  The interest rates are so low that the government has been able to borrow more than imagined and still afford the interest.

For example, US Federal government interest last year amounted to around $483 billion on the 20 trillion of debt.  Yet in 2008 on debt of only $9,229,172,659,218.31 (9 trillion +) the interest that year was $451,154,049,950.63 (451 billion +).

Interest payments in 2017 were 7% higher than they were in 2008.  Yet the debt is over 100% higher.  

Very low interest rates have helped the government borrow.  Low interest has also helped the US stocks reach all time high prices.

Now US dollar interest rates are rising.  In 2018 the interest costs were 8.2% higher than in 2017.   Yet the debt increase was only 6.7%.

The government will resist raising rates because it will ruin their budget, cause a collapse of the stock markets and destroy the US dollar.

Here is the very hard spot.  

Rising interest rates, will create an almost unimaginable debt crisis.  If government interest goes to 6% it is like the $20+ trillion national debt  rising to 40 trillion!  Unless there are some huge tax increase the interest payments are not sustainable.

A tax increase?  Last year’s tax act reduced, not increased, revenue.

Learn how to have more freedom and time, less stress, better health care, extra income, greater safety and profit in your savings despite America’s deficits, debt and currency risk.

Fortunately there are secrets that will allow a few to live much better, free of debt and worry despite the decline in the dollar’s purchasing power.   My wife, Merri and I, have traveled, lived, worked and invested around the world for nearly 50 years to gain this information.

Let me share the basics of this data and how we can be of help through 2018.

The first fact behind this secret is that things are really good in the western world.  Despite many problems, we are surrounded by more abundance and greater opportunity than almost anyone has ever enjoyed, anywhere, ever.   To enjoy a fair share of this wealth, all we have to do is understand human nature and learn how to invest in the new economy, as it changes and becomes new, again and again.

Merri and I have made seven huge transitions in the 50 years.  Each has allowed us to always stay ahead of losses that the majority of Americans suffer.  We are in another transition right now and want to share why and what to do so you can stay ahead and live a richer, independent life through 2019 and beyond.

A falling US dollar is one of the greatest risks we have to our independence, safety, health, and wealth, but also brings a window of huge profit as I explain below.   Though the greenback has been strong for a number of years, its strength is in serious jeopardy.  The growing federal deficits increase the national debt and this with rising interest rates propels a growing debt service.

While the Dow Jones Industrial Average passed 25,000, the U.S. national debt passed the $20 trillion mark.

The problem is that the Dow will come back down.  National debt will not fall.

The double shock of money fleeing Wall Street and US debt skyrocketing, will destroy the purchasing power of the greenback.

Go to the store even now.  Statistics say inflation is low, but buy some bread or, heaven forbid, some fresh vegetables like peppers or fruit.   Look at the cost of your prescription or hospital bills.  Do something simple like have your car serviced at an auto dealer.  Look at the dollars you spend and you’ll see what I mean.

The loss of the dollar’s purchasing power erodes our independence, our freedom and our savings and wealth as well. 

At the same time, low interest rates by big banks and higher health care costs soak up the ever diminishing income and savings we have left.  According to a Gallup poll, the most unpopular three institutions in America are big corporations & Wall Street banks, HMOs and Congress.

Yet there is little we can do because these institutions are in control.

Over the last 50 years the average income for 90 percent of the American population fell.  Our health system is restricted by a Kafka-esque maze of legislation and insurance regulations that delay, frustrate, and thwart attempts by patients and doctors from proper medical care.  Big banks and corporations restrict our freedom of choice.  The business customer relationships are no longer transactions between free equals.

Banks can trap us in indebtedness at every age from student loans to mortgages to health care costs.  They pay almost nothing on our savings.  They hide unexpected fees and payments in complex and unreadable documents.  Banks and big corporations routinely conceal vital information in small print and then cheat.  Weak regulations and lax enforcement leave consumers with few ways to fight back.  Many of these businesses ranging from cable TV to phone and internet service to health insurance have virtual monopolies that along with deceptive marketing destroys any form of free market.

These same companies control the credit-scoring agencies so if  we don’t pay unfair fees, our credit scores will plunge and we could lose the ability to borrow money, rent an apartment, even to get a job.  Many consumers are forced to accept “arbitration clauses” in lieu of  legal rights.  The alternative is to lose banking, power, and communication services.

Big business has also usurped our privacy.  Internet companies sell our personal data.  Personal information is pulled from WiFi and iPhones track and store our movements.  The government can access this information, sometimes without subpoenas.  There’s a lot that we don’t know, often withheld under the guise of “National Security.”

The glow on Western democratic capitalism has dimmed… or so it seems.  The US, leading the way, is still a superpower with economic, innovation and military might, but the institutions that should serve the people have become flawed or broken.

America’s infrastructure is in shambles.  The nation’s bridges are crumbling, many water systems are filled with toxins, yet instead of spending more to fix this, we build more prisons.  The 2.2 million people currently in  jail is a 500 percent increase over the past thirty years.  60% of the inmates belong to ethnic groups.  Not just non-white ethnic groups are suffering.  Annual death rates are falling for every group except for middle-aged white Americans.  Death rates are rising among this group driven by an epidemic of suicides and afflictions stemming from substance abuse, alcoholic liver disease and overdoses of heroin and prescription opioids.

America’s middle class is shrinking.  Nearly  half of America’s income goes to upper-income households now.  In 1970 only 29 percent went to this group.  How can we regain our freedom, our happiness and our well being in such a world?

What can we do?

Gain a better, freer life is to combine better health, higher income and greater savings for a happier, more resilient lifestyle. 

Merri and I will celebrate our 50th year of global living, working, investing and researching to find and share ideas on how to have simpler, low stress, healthier, more affluent lifestyles.  Our courses, reports and email messages look at ways to gain:

#1:  Global micro business income.

#2:  Low cost, natural health.

#3:  Safer, more profitable, investments that take little time or cost to buy and hold… so you can focus on earning more instead

Many readers use our services for just one of these three benefits.  They focus only on health or on earning more or on better, easier investing.

28 years ago Merri and I created the International Club as a way for readers to join us and be immersed in all three of these benefits.   The International Club is a year long learning program aimed at helping members earn worry free income, have better affordable good health and gain extra safety and profits with value investments.

Join us for all of 2019 NOW.

The three disciplines, earning, health and investing, work best when coordinated together.  Regretfully the attacks on our freedom are realities of life.  There is little we can do to change this big picture.  However we can change how we care for our health, how we earn and how we save so that we are among the few who live better despite the dollar’s fall.

We start with better lower cost health care.

Club membership begins by sharing ways to be free of the “Secret Hospital Charge Master”.   Just as governments hide truth behind “National Security”, big health care businesses hide medical truths behind “Charge masters”.  Most hospital charge masters are secret because big business does not want us to know how much hospital costs have risen.  Motivations beyond our good health, like corporate greed, want to keep us in the dark about health care cost.

Despite rising health care costs, a report from the Centers for Disease Control & Prevention shows that hospitals are the last place we want to be for good health.  One report shows that hospital-acquired infections alone kills 57% more Americans every year than all car accidents and falls put together.

Often, what patients catch in the hospital can be worse than what sent them there.  Governments and health care agencies agree  – antibiotic resistance is a “nightmare.”  An antibiotic-resistant bacteria may be spreading in more hospitals than patients know.  About one in every 25 hospitalized patients gets an infection and a report from the Journal of Patient Safety showed that medical errors are the third-leading cause of death in the country.

Along with the risk of hospital acquired illness and medical errors, the second huge threat to our well being… is health care costs, especially at hospitals.  This is why charge masters are so often secret.  There are few risks to our wealth that are greater than a hospital stay.

I have created three natural health reports are about:

#1: Nutrition

#2: Purification

#3: Exercise

Each report is available for $19.95.  However you’ll receive this free as club member and save $59.85.

Club members also receive seven workshops and courses on how earn everywhere with at home micro businesses.  We call this our “Live Well and Free Anywhere Program”.   The program contains a series of courses and reports that show ways to earn and be free. These courses and reports are:

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

This program is offered at $299, but is available to you as a club member free.  You save $299 more.

Next, club members participate in an intensive program called the Purposeful investing Course (Pi).  The purpose of Pi is finding value investments that increase safety and profit.  Learn Slow, Worry Free, Good Value Investing.

Stress, worry and fear are three of an investor’s worst enemies.  These destroyers of wealth can create a Behavior Gap, that causes investors to underperform in any market good or bad.  The behavior gap is created by natural human responses to fear.  Pi helps create profitable strategies that avoid losses from this gap.

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

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

There are seven layers of tactics in the Pi strategy.

Pi Tactic #1: Determine purpose and good value.

Pi Tactic #2: Diversify 70% to 80% of portfolio equally in good value developed markets.

Pi Tactic #3: Invest 20% to 30% equally in good value emerging markets.

Pi Tactic  #4:  Use trending algorithms to buy sell or hold these markets.

Pi Tactic  #5:  Add spice speculating with ideal conditions.

Pi Tactic  #6: Add spice speculating with leverage.

Pi Tactic  #7:  Add spice speculating with forex potential.

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

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return

#7:  Market history

We combine the research of several brilliant mathematicians and money managers with my years of investing experience.

This is a complete and continual study of what to do about the movement of international major and emerging stock markets.  I want to share this study throughout the next year with you.

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

The costs are low and this type of ETF is one of the hardest for institutions to cheat.  Expense ratios for most ETFs are lower than those of the average mutual fund.  Little knowledge, time, management or guesswork are required.  The investment is simply a diversified portfolio of good value indices.  Investments in an index are like investments in all the shares of a good value market.

Pi opens insights to numerous long term cycles that most investors miss because they have not been investing long enough to see them.

The Pi subscription is normally $99 per annum but as a club member you receive Pi at no charge and save an additional $99.

Profit from the US dollar’s fall.

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

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

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

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

This report sells for $29.95 but when you become a club member you receive the report, “Three Currency Patterns For 50% Profits or More” FREE.

Plus get the $39.99 report, “The Platinum Dip 2019” free.

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

Now there is a new distortion ready to ripen in the year ahead.

These two events are a strong sign to invest in precious metals.

I prepared a special report “Platinum Dip 2019”.   The report explains the exact conditions you need to make leveraged precious metal speculations that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share long term lessons about speculating in precious metals gained through 30 years of speculating and investing in gold and silver.

The low price of silver offers special value now so I want to send you this report because the “Platinum Dip 2018” offers enormous profit potential in 2018.

The report “Platinum Dip 2019” sells for $39.95 but club members receive it free as well.

The $39.95 new “Live Anywhere – Earn Everywhere Report” is also free.

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 but also work well in disaster scenarios.

There are are specific places where you can reduce your living expenses and easily increase your income.  Scientific research has shown that being in such places actually make you smarter and healthier.  Top this off with the fact that they provide tax benefits as well and you have to ask, “Where are these places?”.

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

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 describes what Merri and I, our children and even my sister and thousands of our readers have done and are doing, right now.

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

This report is available online for $39.99 but International Club members receive it free.

Save $418.78… “plus more” when you become a club member.

Join the International Club and receive:

#1: The $99 Personal investing Course (Pi).   Free.

#2: The $299 “Live Well and Free Anywhere Program”. Free.

#3: The $29.95 report “Three Currency Patterns For 50% Profits or More”. Free.

#4: The $39.99 report “Platinum Dip 2018”. Free

#5: The three $19.99 reports “Shamanic Natural Health”.  All three free.

#6: The $39.99 “Live Anywhere – Earn Everywhere” report. Free.

#7: A year’s follow up subscription to the Purposeful investing course… Plus more.

These reports, courses and programs would cost $527.92 so the 2018 membership saves $117.92.

Join the International Club for $349 and receive all the above online now, plus all reports, course updates and Pi lessons 2019 at no additional fee.

Click here to become a member at the discounted rate of $349

Gary 

(1) www.treasurydirect.gov/NP/debt/current

 

 

New Yen Position by JGAM


Jyske Global Asset Management just sent this note about a new yen position.

December 8, 2011, JGAM’s Investment Committee held its ordinary monthly meeting. We decided to take a small Japanese yen (JPY) position in all managed asset allocation portfolios. This position shall be seen as part of our strategy to include more elements of “all weather investments” in our portfolios.

I agree with JGAM’s approach on spreading the portfolio globally for safety.  See why at Multi Currency Update

See how to get multi currency updates quickly when you follow my tweets.

Gary

Multi Currency Shift


Jyske Global Asset Management sent this note about a recent multi currency shift in their managed forex portfolios:

Stop loss on EUR/NZD

Dear Client,

On 10 November 2011 we recommended advisory clients to sell EUR and buy New Zealand dollars (NZD).

Our protective stop loss order on the short euro (EUR) and long New Zealand dollar (NZD) position has been executed and we have taken an unleveraged loss of 3.22% (1.7425 – 1.7987).

See how to get multi currency updates quickly when you follow my tweets.

Gary

Micro Currency Safety North


See an idea for multi currency safety with bond diversification in the North of Europe.

Friday’s email entitled “Message From a Tipi Man” looked at why global warming may favor nations up north.

jgam-headquarters

Jyske Global Asset Managers (JGAM) new offices. Address: H.C. Andersens Boulevard 11
1553 Copenhagen V, Denmark.

In 2008 during the last global economic crisis, I moved 15% of my portfolio into Swedish and Danish bonds funds.  They offered lousy returns but great stability and safety.   See below why Denmark may again be one of the safest places to invest now.

Here are excerpts from an email JGAM sent me last week (bolds are mine):  Latest news on Greece is that the Prime Minister, George Papandreou has resigned and a new crisis government has been formed to implement the necessary and unpopular austerity measures.  To be able to make ends meet, Greece is in need of the next tranche of the rescue package before mid December. Before being prepared to handing over this next pile of funds, the EU leaders wish to see some evidence that Greece indeed is prepared and willing to introduce these cuts. One hurdle now is that the leader of the opposition Mr. Samaras whose party forms part of the temporary government, does not seem to be prepared and willing to sign a document to this effect.

As a consequence, the financial markets started to fear a breakup of the latest rescue package which was agreed on by the leaders of the EU in the early hours on 27 October. A breakup would most likely lead to an uncontrolled default of Greece and a burst of the intended firewall around Greece.

Attention now has turned to Italy, who saw its 10-year bond yield reaching 7.25% representing unsustainable financing costs. Heavy pressure on Italy’s Prime Minister, Silvio Berlusconi has mounted for him to resign and hand over leadership to a temporary government of technocrats, like in Greece. Today Friday, Italy’s Senate will vote on a package of measures promised to the European Union aimed at boosting growth and cutting Italy’s debt of 1.9 trillion euros (USD 2.6 trillion), the world’s fourth biggest, in an attempt to shore up investor confidence and pave the way for an emergency caretaker government led by Mario Monti, the former European Union Competition Commissioner. Prime Minister Berlusconi has indicated that he is prepared to step down when the agreed austerity measures have been implemented. The latest development has led to a drop in the 10-year Italian bond yield to 6.6%.

If a solution is not found for Italy, then there is a fear that France also could become a target for financial unrest. In an effort to prevent ending in that situation, France, for the second time in three months, has announced a package of additional budget savings. A need for this move was caused by a sharp slowdown in growth that threaten to wipe out France’s fiscal target and put into play the country’s AAA sovereign debt rating. If France is downgraded then it will backfire on Greece’s rescue package as it contains a leverage of the European Financial Stability Facility (EFSF) fund from 440bn to 1,000bn EUR.

…… story to be continued.

The Industrial production in Germany plunged by 2.7% in September, undershooting market expectations three times more than the expected 0.9 % drop as among the 37 economists Bloomberg beforehand had collected estimates from. This development has increased the fear for a recession in Europe, as the German economy, being the largest in Europe, since autumn of 2008 has largely been alone to drive growth in Europe.

An analysis from the American National Bureau of Economic Research points that Denmark, Sweden, Finland and Norway are the safest countries in Europe to lend to. The analysis shows that Denmark since its establishment as an independent state in year 980 has always met its debt obligations and has never let down its creditors. At the other end of the scale is Greece, which since 1829 has defaulted on 50.6% of the debt which the country has established.

Multi currency diversification adds safety to your portfolio.  Added safety can come if a portion of that spread goes north.

JGAM just selected three new multi currency plays for its managed Forex accounts and advisory clients.

These ideas include adding (via currency sets) the  Singapore dollar.  JGAM’s research partner believes, that China will make a soft-landing. Food inflation has peaked and China has also managed to cool down the real estate market.With Europe, China’s biggest export market, heading into a recession the Chinese authorities may ease measures to spur growth and the Singapore dollar (SGD) will lead an Asian recovery.

See more about this Singapore position and the three multi currency portfolio sets.  Subscribers can access these ideas at their password protected site. Click here.

Learn how to get a Multi Currency password here.

Gary

See three simply ways to diversify into Nordic bonds here.

Learn more about multi currency portfolios here

Three Multi Currency Forex Ideas Include Singapore


Three new multi currency forex ideas include Singapore.

jgam-headquarters

Jyske Global Asset Managers (JGAM) new offices. Address: H.C. Andersens Boulevard 11
1553 Copenhagen V, Denmark.

JGAM just selected three new multi currency plays for its managed Forex accounts and advisory clients.

These ideas include adding (via currency sets) the  Singapore dollar.  JGAM’s research partner believes, that China will make a soft-landing. Food inflation has peaked and China has also managed to cool down the real estate market.With Europe, China´s biggest export market, heading into a recession the Chinese authorities may ease measures to spur growth and the Singapore dollar (SGD) will lead an Asian recovery.

See more about this Singapore position and the three multi currency portfolio sets.  Subscribers can access these ideas at their password protected site. Click here.

Learn how to get a Multi Currency password here.

Multi Currency Tip: Sell Australia & Brazil


JGAM has advised me to sell Australian dollars and Brazilian real.

I have four logical investment advisers and three who give me out of the box information.   Two of the four logical advisers (Thomas Fischer and Anders Neilsen) work at Jyske Global Asset Management (JGAM), so when JGAM sends me advice… I doubly listen.

Thomas-Fischer

Gary Scott with Thomas Fischer and Anders Neilsen

See a warning they sent me Friday and an excerpt from the Multi Currency Report I’ll send our Personal Portfolio readers this week…. outlining when to follow such advice…  explaining why I won’t now… but that many reader should.

JGAM sent me this note on Friday:  On 22 September, JGAM’s Investment Committee held an ad hoc meeting deciding to sell bonds denominated in Australian dollar (AUD) and Brazilian real (BRL). These trades have now been carried out. We sold the AUD bond with a nice profit and the BRL bond only gave us a small loss.

We took the decision to sell the bonds because of the increasing nervousness in the financial markets sparking a flight to safety in US dollar denominated Treasury bonds. We know from past experience in 2008 and 2009 that when investors run for safety then AUD and BRL can take a severe hit. Therefore, we decided to cash in and protect the funds you have entrusted with us.

Learn more from Thoams Fischer at JGAM

Here is an excerpt from the password Multi Currency Portfolio Update I’ll be sending out to our Multi Currency Portfolio subscribers.

Learn how to subscribe to our multi currency portfolio service.

The excerpt begins here.

The editor of a successful investment publication recently sent me this note:

Hi Gary, I hope all is well. We miss you guys and hope to see you soon but we know you have lots of irons in the fire..and new grandkids, etc. — so congrats!!

Just a quick question if you don’t mind — you’re always the guy I turn to with worries and I apologize for that –but how do you feel about Jyske Bank and its program in light of what’s happening in the currency markets?

My reply can provide a quick update of how I am diversifying right now.

We hope you two are well also.  All’s good here.  Busy but enjoying the Blue Ridge autumn.

We have our holdings at Jyske and our broker in London and feel comfortable with that.  Keep in mind all bonds and shares are held for your acct. so are your assets not the bank’s, plus accts are guaranteed by Danish and British Gvts. who are still both AAA.

We have greatly reduced the leverage (we were short US dollars) down to a very small amount. This reduces profit but also reduces risk.

We also are using cash in accounts to buy more real estate… currently have a four bedroom house in Lakeland, Florida under offer we’ll use as a rental.

Plus we have rentals here in the Blue Ridge as well as Cotacachi and San Clemente.

Here is our portfolio at JYSKE this time so you can see how we have spread out.

    Type          Int.    Rate    % of portfolio

Savings US  $  0.125%    5%    Currency
Savings EUR    0.125%    1%     Euro
Savings Pounds          2%     GBP

Equities

Jyske Invest Turkey     2%     Lira
JI European Equity    5%     Euro
Suntec Reit           2%     SGD
Hyflux Water            2%     SGD
Jyske Bank shares       4%     DKK
KGHM Polska Miedz (Copper Silver) 5%   PLN
Brookfield Renewable Power  5% CAD
Unicredit Itakian Bank  3%     Euro
Axel Springer AG German Publisher  Euro 2%
Sky Deutschland AG German TV   Euro 2%
Silver Wheaton Corporation Silver  5% US$

Bonds
Ishares Maci Latin Amer 5%     Mixed Latin
JI Emerging Local Bonds 4%     Mixed
JI Emergin Market Bonds    3%     Mixed
Mexican Bonos    MxnGvt  2%     MXN    Rate 8.000%   Mature 19.12.2013
Bond    Bombardier Inc.    2%     Can$        7.250%      15.11.2016
Bond    Rabobank, Nederland 4% NOK         4.000%      29.05.2013
Bond European Investment 5%    AUD         6.000%          14.08.2013
Bond Kreditanstalt Für     5%    CAD         4.950%      14.10.2014
Bond European Ivtment BK 5%    NZD         6.500%          10.09.2014
Euro Invment BK Turkey   3%    TRY        10.000%      28.01.2011
Euro Investment BK Brazil3%    BRL        11.125%          14.02.2013
Bond Brazil GVT            3%    BRL        12.500%      05.01.2016
Bond Brazil GVT            3%    BRL        12.500%      05.01.2016
Bond Euro Invment BK    3%    AUD         6.000%      14.08.2013
Bond Kreditanstalt Für   2%    NZD         6.250%      15.04.2013
Bond Euro Invment BK    3%    PLN         6.500%      12.08.2014
Bond Mexican Fixed Rate    3%    MXN         8.000%      17.12.2015

Loan                    -3%    USD     Interest rate 2.5%

End of excerpt.

Timing and strategy are the keys to long term multi currency investing so selling Australian dollars and Brazilian real will depend on  your timing, your strategy and when you bought and what you paid.. plus your current economic and investing position.

Take this advice and fit the data into your picture and consider the benefits of selling Australian dollars and Brazilian real.  Review this and your position with a financial planner because there is an added risk that for some time the Australian dollar and Brazilian real will fall.

Gary

 

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

JGAM Introducer Program


JGAM Introducer Program

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.

Some of the opportunities we have brought together include:

#1: Jyske Global Asset Management  (JGAM)

#2: Bio Wash

#3: Candace Newman Essential Oils

#4: Ecuador Roses

#5: Ecuador Imbabura Export Products

#6: Phytobiodermie

#7: Teaching Super Thinking + Spanish

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 ($239)

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 that takes the effectiveness of these online courses to a new level 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 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 the introducer.

First… once a introducer  has been approved by JGAM, and has completed our online course International Business Made EZ they can begin earning right away.

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

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.

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 an 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.

See the schedule for our International Investing and Business Seminar here.

Gary