Tag Archive | "Medicare"

Natural Awakenings to Affordable Health with Natural Reminders


See how natural reminders can help have natural awakenings to affordable health.

This is the day after.. or two.  The debt ceiling was raised.  America can borrow even more.  For now the world does not have to face a global economic disaster.   Naturally the root financial problems of the Western world were not resolved.   If one is in debt and spending more than earned… getting a bigger loan without eliminating excess does not solve the dilemma… but simply pushes a bigger reckoning into the future.

A promise to stop spending cannot be kept… if… one does not cut the biggest, hardest to control, costs.  The big costs facing the aging, diminishing Western population are unfunded pensions and health care.

usatoday healthcare graph

Graph from USA Today article Medicare, Medicaid tab keeps growing (linked below). The bold is mine.

Excerpts from an August 2, 2011 USA Today article by Dennis Cauchon entitled “Medicare, Medicaid tab keeps growing” explains when it says:  The costs of the government’s big health care programs are soaring again, expenses not tackled in the agreement President Obama signed into law Tuesday to raise the nation’s debt limit and cut federal spending.

Medicare and Medicaid spending rose 10% in the second quarter from a year earlier to a combined annual rate of almost $992 billion, according to new data from the Bureau of Economic Analysis (BEA). The two programs are on track to rise $90 billion in 2011 and crack the $1 trillion milestone for the first time.

The debt limit and spending package approved by Congress and Obama don’t restrict costs of Medicare, Medicaid and other entitlement programs. The rapidly escalating costs of the health care programs will challenge lawmakers seeking to rein in federal spending in the future, especially in 2014, when coverage expands to people who are uninsured now.

The latest spending surge in federal health care is driven by more people getting more treatment, not by price increases. Health care inflation is at its lowest level in more than a decade — a 1.7% annual rate — but the aging population and the weak economy are sending more patients to government-financed care.

“It’s going to get worse before it gets better,” says Dan Mendelson of Avalere Health, an industry consulting firm in Washington, D.C. “There’s no way to control the federal budget without controlling entitlements. It’s just math.”

The reasons behind the math are quite simple.  The population is aging.  The young to old ratio is falling so there are less people who have to pay for more.

Sometime ahead the leaders of thee Western world… the USA in particular will have to face this issue but they will resist a resolution for as long as they can.  A core difficulty is that the big problem is not national health care… but national health and national attitudes about personal responsibility.

This core problem is encouraged by three economic elements… insurance… pharmaceuticals and the food industry spend billions convincing Westerners to abdicate their responsibility for natural health.  The alluring story is “Eat what you want”…  “Get Health Insurance to Resolve the Results With a Pill FREE.”

This health and economic imbalance cannot continue forever.    If you are planning on social health care, don’t.  The benefits will… have to… be reduced.  The simpler approach is to be healthy and take steps to keep or recover your natural health.

We have focused on natural health for many years. You can see many natural health tips at our web site www.naturalawakenings.com

We are always looking for EZ ways to help you improve your health and one way is to reduce stress.  This is why we have created our “Natural Reminders” service.

A good memory is key to success in everything but…have you ever awakened in a cold sweat and realized that a loved one’s birthday was…yesterday.

You are not alone!  Forgetfulness has become a plague created by technology and the stress of our fast paced world.

The Franklin Institute which researches learning writes about “Stress and Memory”:

“Chronic over-secretion of stress hormones adversely affects brain function, especially memory. Too much cortisol can prevent the brain from laying down a new memory, or from accessing already existing memories.”

“Natural Reminders” has the cure because the same technology that creates stress can also help your memory and make you loved just a bit more. Our new “Natural Reminders” service allows you to plug to in five birthdays, anniversaries and other important events and we will automatically send you a reminder to buy Fresh Ecuador roses or some other unique gift to have sent from you to the one’s you love.

Here is how Natural Reminders works.

  1. Add your name and email address to the free reminder service signup form (below). This service is totally FREE. There is no obligation to buy a gift.
  2. Add up to 5 reminder dates that you’d like to set-up (we’ll add more in future if the service proves popular)
  3. We’ll email you about 10 days before each event with a link where you can order natural gifts like Ecuador Roses.

Right now roses are the only gift we have… but you do not have to buy when you get the reminder. We’ll be adding other gifts as we go and when you get the reminder you can buy whatever is offered or… nothing at all.  The reminder is our gift to you.

Never forget a loved one again.  Be naturally gifted with our FREE Natural Reminders.

Subscribe to Natural Reminders here.

Gary

Over our 40 years of business, Merri and I have worked with and used the prodcuts and service of a number of wonderful businesses for many years. Each has a unique  product or service that we love.  These companies are headquartered in many places… Switzerland, Denmark, Ecuador, Spain, Canada as well as the USA and all of them offer global potential… business opportunity almost anywhere.

We write about many of the products of these companies often… though we are not paid.. but just because we like their products and hope you’ll enjoy them too.

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

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

We are starting with these five businesses first.

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

After attending our International Business and investing seminar on October 7-8-9, you will can qualify to work as a distributor and dealer with our programs any may be able to work with one of these businesses.

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.

One specific way you can tap into this program is as an Ecuador rose distributor.

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.

You can work with our rose supplier Roberto Ribadeniera.

ecuador-exports

Roberto Ribadeniera

 

We have started the beta program and are focusing our International Business Made EZ online course and our International Business Made EZ seminars to help subscribers create a 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.

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

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

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

Here is how the seven step turnkey global business program works:

Step one:  Order at least one of the online courses.

International Business Made EZ ($299)

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

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

Step two: Complete the course within 30 days. If at this stage you are not satisfied you can stop the program for a full refund.

Step three:  Attend an International Investing and Business Seminar where you review all your turnkey business opportunities and complete your initial training at the seminar.

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

Step four: We put you in touch with the businesses you choose.

Step five:  You complete the training the business provides.

Step six:  We help you with our turnkey business systems such as our “Natural Reminder” service.

Step seven: We provide communication… ideas.. business tips and updates to help each reader who participates.

Join Merri and me for our next International Business and investing seminar October 7-9 North Carolina Course click here for details.

Save  $5,789.  Join the International Club and attend seven seminars FREE plus receive three online business courses, plus five bonuses… a $7,588 value for $1,799. See details here.

Read the entire USA TODAY article Medicare, Medicaid tab keeps growing

What R U Going to Do? #7 – “Weighty Ideas”


Social medical problems can add weight to your portfolio.

merrily farms

When at our North Carolina farm, I get up five mornings a week, go out to a special room we built in the forest and…
merrily farms

meditate.

We have a far infrared sauna there so I have a good sweat and also do stretching, balancing and breathing exercises.

Then we take a walk or use the rebounder also in the forest room.

We have a similar set up at our Florida home and in Ecuador because investing in your own health is one of the best investments we feel that we can make. This obviously brings rewards beyond money but even if you look at it just from a monetary point of view… anything you can do to avoid medical costs is probably a well spent investment because medical costs can be so high.

In fact the high costs of medical care are creating a heaviness that can pull down the purchasing power of your savings and future.

The US has an estimated $40 trillion of unfunded medicare liabilities.  All the wealth in the US is estimated around the mid $50 trillions.

Here is the conflict.

According to massmed.org the website of the Massachusetts Medical Society, the statewide professional association for physicians and medical students:  An unhealthy weight can hurt all parts of your body. Health issues that are associated with overweight and obesity include:

Type 2 diabetes
Heart disease and stroke                                                                                                                                                                               Certain kinds of cancer
Sleep apnea
Osteoarthritis
Gallbladder disease
Fatty liver disease
Depression
Complications of pregnancy

This creates a big potential three way collision… freight train… zeroing in on a tank… both hit by a meteorite.

Force #1: Americans are gaining weight.
Force #2: Added weight increases health care costs.
Force #3: Congress has promised to future senior citizens but has made no provision to pay for these promises.

Here is the crunch… we are still getting fatter.  The problem has now increased. An Associated Press published in many US papers July 7, 2011 says:   We’re getting fatter. In 1995, no state had an obesity rate above 20 percent. Now, all but one does.

An annual obesity report by two public health groups looked for the first time at state-by-state statistics over the last two decades. The state that has the lowest obesity rate now — Colorado, with 19.8 percent of adults considered obese — would have had the highest rate in 1995.

“When you look at it year by year, the changes are incremental,” says Jeffrey Levi, executive director of the Trust for America’s Health, which writes the annual report with the Robert Wood Johnson Foundation. “When you look at it by a generation you see how we got into this problem.”

The study, based on 2010 data, says a dozen states top 30 percent obesity, most of them in the South. Mississippi topped the list for the seventh year in a row, with Alabama, West Virginia, Tennessee and Louisiana close behind. Just five years ago, in 2006, Mississippi was the only state above 30 percent.

No state decreased its level of obesity, which is defined as a body mass index of 30 or more. The body mass index is a measurement based on a calculation using a person’s weight and height. A person who is 5 feet 5 inches and weighs 150 pounds would have a body mass index of 25, for example, but if that person weighed 180 pounds the BMI would be 30.

Although body mass index isn’t always the best indicator for someone with a lot of muscle, such as an athlete, it is considered the best way to measure the general population. The authors of the study say it allows them to measure large numbers of people because those surveyed can easily provide their height and weight.

There was a bit of good news in the report: Sixteen states reported increases in their obesity rates, down from 28 states that reported increases last year. Levi says those increases have been gradually slowing, most likely due to greater public awareness of health issues and government attempts to give schools and shoppers better access to healthier foods.

“We’re leveling off to some degree at an unacceptably high level,” Levi said.

What can we do?

One answer is to improve our nutrition.  One improvement for many is to decrease portion size, eating a variety of foods while getting the right amount of nutrients.

Another approach for health problems and health costs is to move to places where health costs are lower and it is easier to have healthier habits.

Ecuador is a perfect example.  The food is less refined, more organic, the lifestyle healthier with warmer weather, more walking, produce fresher and medical costs far lower.

spondylus 2

See an Ecuador coastal condo for $62,000

A third way to enhance good health is with frequency modulation.

Our seminars use frequency modulation (in music and a number of other ways) to integrate  brain waves so the process of absorbing, processing and recalling information is vastly accelerated.  This brings forth the three C’s:  Calm, Clarity and Coherence.

FM Plus Frequency Modulation/Full Mode Plus

FM Plus works by focusing on the learner first… the data second.  FM Plus “grows the learner” rather than just expands the information.  The explosion of data we must all process everyday means there is too much information to process already.   Let’s view this learning in terms of plumbing to outline what “Growing the Learner”  means.

If you have 4.5 inches of information flowing through a 4 inch learning pipe, the solution is not to add another inch of information.  The answer is to first create a six inch pipe and then an even larger pipe…a never ending expansion of abilities!

FM Plus incorporates Frequency Modulation…  plus shortcuts to expand the learner’s thinking and information processing ability.

First, you learn how to evoke the power of the senses thus super-charging memory. Ever hear a song from twenty, thirty or forty years past and in a snap know all the words, the tune and remember with who and where your heard it decades ago? Learn how to use ten cycle music to gain almost super human thinking powers.

Dr. Lozanov was totally committed to learning without stress, to enjoy the thrill of relaxed, leisurely learning.

Plus we listen to 60 beat ten cycle classical music as we work. You could count the number of times I’ve missed this meditation routine in the last 20 years on one hand. This has helped us enormously.

We have learned many forms of meditation and continue to meditate for all these decades because it is so simple… yet effective that we find it easy to do even with a busy schedule. 

Dr. Norman Rosenthal who led the team that described Seasonal Affective Disorder and pioneered the use of light therapy for treatment.  He is the chief resident at Columbia Presbyterian Hospital and the New York Psychiatric Institute and has written a book “Transcendence: Healing and Transformation Through Transcendental Meditation”.

He has been researching Transcendental Meditation as a means to combat related post-traumatic stress disorder (PTSD) and said  “on the finding that heart attack, stroke and mortality rates were reduced by 47% in coronary patient who practised Transcendental Meditation offered this thought, ‘If this kind of result was observed for a new prescription drug, it would be a billion-dollar industry to make it available to everyone immediately’.

Second, we use 60 cycle music, along with deep breathing exercises for relaxation.  These move the mind into Alpha and deeper states as well. Health benefits are gained as blood pressure can drop, heart rates slow and the mind becomes calmed.

Scientific double blind studies comparing effects from TM and baroque music show that they both deliver powerful and similar results.

fmThis can be as simple as listening to relaxing Baroque music such as Handel’s Water Music. A few others compositions at this cycle include Beethoven, Bach, Vivaldi, etc.

Music has been used for centuries to induce states…babies being lullabyed to sleep, sea chanteys and harvesting songs to ease workers while laboring. Eastern mystics and South American shaman have used music to carry them to unusual states of consciousness.

Your body relaxes and your mind becomes alert in these simple forms of relaxation.

Soviet psychologist, I.K. Platonov, found it was possible to just use a metronome beating at 60 to enable the mind to take in and hold more strongly.

Here is a portion of some of the recommended music provided with that study.

Bach, J.S.: Largo from Concerto in G Minor for Flute and Strings. Bach and Telemann Flute Concerts and Aria to The Goldberg Variations.

Corelli, A.: Sarabanda (largo) from Concerto #7 in D Minor.

Corelli: 12 Concerti Grossi op.5

Handel, G.F.: Largo from Concerto #1 in F. Music from the Royal Fireworks.

Telemann, G.: Largo from Double Fantasia in G Major for Harpsichord.

6 Fantasias for Harpsichord Vivaldi, A.: Largo from Winter. The Four Seasons

See how to use music to learn how to speak Spanish in just four days.

Everything is frequency.  When we are in balance, our frequencies give us good health and boundless energy.   Yet there are many frequencies in the modern world from noise to fast food to micro-waves that disturb our natural frequency balance.  Balanced music can help restore your balance.

A third avenue that helps the mind slip into the zone is Theanine (chemical name: r-glutamylethylamide) one of the chemicals found in green tea. Theanine is used to reduce stress and anxiety without the tranquilizing effects found in many other calming agents. Scientific evidence shows that Theanine stimulates the brain’s production of alpha waves, making the user feel relaxed but alert and not drowsy. It also helps the body produce other calming amino acids, such as dopamine, GABA, and tryptophan. As might be expected from a calming supplement, Theanine may be able to lower elevated blood pressure as well.

You can learn more about how to use FM for greater intelligence and enhanced health from us in three ways.

#1: Our FM workshop is included in our International Investing and Business Seminar MP3 recording. See more here.

#2: We use FM in our Super Thinking + Spanish courses.  Read more.

#3: Attend our October 7-8-9 International Investing and Business Seminar and FM workshop.  See details here.

Read An unhealthy weight can hurt all parts of your body.

 

What R U Going 2 Do- Part Five “Doubts on Debt”


What are you going to do with your future?

Having a fulfilling activity… a reason to get up in the morning…  makes your life better… keeps you living healthier, longer… and maybe of economic necessity as well because of doubts on debt.

gary-scott

When I rise in the morning I really look forward to sitting on my front porch and…

gary scott house

working with this view in front of me.

gary-scott

When I get up in the winter I love working out here!

Loving to work or provide some form of service may grow in importance because the global economy has been driven since the early 1900s by the expansion and spending of the USA. Now fiscal numbers no longer make sense. This mathematical imbalance could cause a rewrite of the global social economic contract.

According to Federal Reserve figures, the value of all US assets just before the late 2000 recession was $56.5 trillion. The value of American liabilities, if unfunded Social Security, Medicare, Medicaid are included was $56.4 trillion. $40 trillion of the $56.5 trillion in liabilities is the unfunded future Medicare and Social Security benefits. $34 trillion of it is Medicare alone.

This means with reduced real estate prices, the numbers could show that America… on a balance sheet basis… is broke.  In short the Federal government has spent and/or pledged all our wealth.

Of course balance sheets are only pictures frozen in time. They miss important parts of the whole.  Plus by the time much of this 40 trillion comes due… we, the American people, will have created more wealth… hopefully a lot of it.  Even so, these numbers do suggest that there is a problem.

We can benefit from anticipating how this problem will be worked out.

If the Federal government has 40 trillion short in unfunded obligation… where will it get the money… or how will it sort this shortfall out?

Retirement and health benefits have to be one of the huge targets.  This shortfall is an entitlements nightmare… the type of difficulty that is creating riots in Greece right now and that difficulty threatens the stability of the Euro and Europe’s unity.  The US reckoning could threaten America’s stability.

If the current entitlement promises are real government debts, they are also real assets for the people who will enjoy them. If they aren’t real for the future recipients, then they aren’t real for the government either.

The country has elected politicians who have spent, borrowed and made promises irresponsibly on their behalf.

Will the debt be paid?

Will the promises of future Social Security and Health Care be kept?

If so, from where can the money come?

There are five typical avenues used to resolve this type of fiscal pinch.

Economic Resolutions

#1:  Increased production. Everyone makes more. Everyone earns more.  Tax rates remain stable but everyone pays more and solves the problem.  Remember in the late 1990s the Federal budget was in surplus!  All it takes is a boom… usually driven by some new unexpected technology.

#2: Increased income tax. The US has one of the lowest real tax rates of any industrialized country… so taxes can rise via increased income rates or reduced loopholes.  Everyone will moan and gripe… but this is likely… and could also solve a lot of this economic dilemma.

#3: Increased estate tax. The average US couple (age 65-74) has accumulated a net worth (not counting entitlement promises as either assets or liabilities) of over $500,000.  Normally when these retirees die this wealth would pass to their children and grandchildren.  But much of this wealth has been gained because these people received money from Social Security and Medicare.

The government might take the attitude, “If Medicare and Social Security are supposed to be insurance against the perils of old age: poverty and illness and not supposed gifts or subsidies to the children of retirees (who will receive money not spent on retirement and medical care) society, having kept its promise should get at least part of that money back.”  this would come in the form of increased estate tax.

#4: Reinterpret the promise. The letter below sent by two US Senators gives an example of one way this happens via… recoding.  A lot of coding is above my pay grade but bottom line recoding means a reinterpretation of procedures or work that means less pay for the same work.
medicare-senate-letter

#5: Renegotiate the promise. Expect reduced benefits… later retirement dates, etc.

#6: Default. A horrible option for everyone at this time.

#7: Deflate the benefits through inflation. The unfunded promises have been made in US dollars are may be kept in dollars but due to lowered inflation increases real benefits decline.

The risk of inflation especially is one reason why having a way to earn some extra income will become a financial necessity.

If… taxes rise… inflation eats savings and investments earnings.  Then we have five options that I have written about often.

#1: Move to less expensive areas within the US. This is why we have our Smalltown USA focus.

#2: Export retirement to lower cost countries. This is why we offer our Ecuador Living service. See Ecuador on TV and two ways to earn in Ecuador here.

#3: Live in near poverty.

#4: Die.

Options #3 and #4 are not good options and we have no service for these!

#5: Keep working. This can be a good… fulfilling option if your doubts on debts make you feel that your economic future could be in peril.  The ability to provide an elastic (price can rise with inflation)  service that you love makes sense wherever you are… right where you live now… or in small town USA or abroad.  This is why we offer numerous courses on how to earn extra income doing something you enjoy.  We are working here to provide lots of ideas/help so that you can achieve this happily and easily…

Gary

See details about our: Online Course on how to have an Internet business

Online course on how to have a self publishing business.

Online course on how to have a seminar tour business.

Here is an excerpt from our latest lesson of “Event – Full Business – How to Profit From a Seminar, Tour and Events Business”. This excerpt outlines why events can create profits but why to be careful if you make them free. 

At that time the US seminars were free.  That was a double mistake…  triple actually.

Free Event Error #1: People appreciate what they pay for. A fee makes an events worthwhile. Because the delegates who enrolled had not made a financial commitment they were far less likely to show. In fact about half those who enrolled did not show.  This left our meeting rooms half empty (bigger rooms cost more empty or not) as it wasted a lot of donuts and coffee (which still had to be paid for)… not to mention the cost for the left offer handouts I was lugging around.

Error #2: Free events put people on guard. Everyone… well almost everyone… knows there is no free lunch.  This reduces the effectiveness of an event when delegates have their defenses up.  They are waiting for the penny to drop. They are suspicious… as they should be.  This reduces their receptiveness and diminishes the effectiveness of the event to complete its purpose.

Error #3: Free seminars do not create revenue unless the sell something that generates revenue. Events can be used to sell. Many are. Most of us have been invited to free lunches… free dinners… and free seminars. We expect a slaes pitch if we go and if the seminar is to sell… the sales pitch has to be good.

The idea I was selling was too new and had too many obstacles to close on the spot.  So there was not enough mutual funds sold to cover the costs and make the seminars profitable.  There was not enough time in one day to establish the problem… show the solution, gain the delegates trust and close the sale.

Here is the crux of the one day, free USA seminar error and how I made it. The crux was that I was trying to run an idea driven event into a  location driven event when I was not in the locale.

Recall back to lesson number two.  I started conducting free seminars in Hong Kong… to avoid traffic… in the process of selling mutual funds.  The purpose of those Hong Kong events was to present a problem and solution… not to close a sale. I was resident in Hong Kong at the time. The event gave a presentation… but left the sale for a later personal meeting with those who were interested.

In the US events I zoomed around the country giving presentations… showing delegates what to do. Then I left before they had a chance to take action!  I lacked a structure for follow up.

After doing this for awhile, I (or my bank manager at least) realized that this packaging was not sustainable.  I made two changes.  First I began charging $99 for the one day seminar.  This would pay for the coffee… donuts… room and part of my travel.  Second, I wrote my first book, “Passport to International Profit”.

The plan was to gain some extra income from the book sale and that the book would fortify the problem and solution so delegates would be more likely to buy overseas mutual funds.

Then came the education! That year when doing my accounts, I saw that book sales and seminar fees created greater revenue than mutual fund commissions.  I stopped selling funds (the hard part) and began focusing just on education through books, reports, courses and events.  I have never looked back.

This was a good shift for several reasons. First not long after this the regulatory agencies around the world all tightened up making it really hard to sell mutual funds from other countries.   That would have put me out of the mutual fund business, had I not already quit.

Second the tightening of regulatory agencies as is the norm when governments get involved in business created an extra need for information. This expanded our publishing and events opportunity.

Third, when we had no fund sales agenda… when we were just providing information we became better… taking a broader view and our events delegates became more trusting.  This made our events much better and developed a loyal list of delegates who attended our events again and again.

Up to that time I was operating totally as a one man show… marketing… research… arranging my flights… booking the hotel… getting the room set up… presenting the seminar.

Fortunately there were two big benefits that came from those seminars. One is I met Merri who also had publishing and events experience so now we had a team… of two.  The second benefit is I met another writer Doug Casey who was involved in conducting some three day international investing seminars (for Americans) in Switzerland.

Remember from above “Packaging involves pulling all seven of these factors together in the the most balanced way with your abilities and desires”.

Having two of us working on packaging and organizing the events helped a lot.  The first seminar Merri organized was a one day event at $99. She was able to attract 100 delegates strictly on a location basis (Naples Florida).  This fact and added experience I had gained with Doug Casey led us to try some different packaging combinations.

The added experience showed me that three day seminars based around the problems of the falling US dollar could be organized.  Doug invited me to speak at several such seminars promoted by the Kephart Communication. They were filled with hundreds of people.  This helped me understand that a repackaging could take place if I focused my target market.

Up to that point my marketing had been focused in the Wall Street Journal.  I learn that events based around the problem of the falling US dollar were better focused in subscription based specialty newsletters.

Based on this growing knowledge, Merri and I first tried a one week long seminar with a $1,000. This was a modest success… but then we tried a three day seminar at half that price and sales skyrocketed.  The gross increased dramatically since the number of delegates more than doubled. Expenses dropped (hotel rooms, coffee etc. for three days cost a lot less than for five).

We settled into a Friday, Saturday, Sunday (finish around 3pm) schedule that has remained our matnstay packaging formula for 30 years. Our prices have risen from $499 to $749 but otherwise this formula has remained pretty much the same.

Here is why this packaging works for us.  First most delegates can scoot into and out of our events losing only one day of work.  They can travel in Thursday evening and leave Sunday afternoon.

Second we have been able to keep our fees down (for reasons – such as the internet – we’ll review in upcoming lessons).

Third three days gives us a chance to teach a lot… but not so much it overwhelms  the delegates.

Part of our packaging includes a fairly easy 9am to 5pm schedule with half hour coffee breaks (10:30 and 3pm) plus a social get together on Saturday night.

This is the Program which is based on “How much time the potential delegates have to solve the problem covered in the event.” We expand our program definition beyond time to include how much ability does the potential delegate have to solve the problem. In these three days we are providing 15 hours of seminar content which we find is as much as a delegate on average can absorb.

There is a great temptation in packaging to cram in more than a delegate can hold… to go from early morning to late at night… and leave the delegate exhausted so they feel like they got their money’s worth.

A busy program can create overload and leave a delegate confused and scattered rather than informed.   This is an ideal package for some events… especially exhibitions with dozens or hundreds of  exhibitors.  The Purpose is to expose the delegates to a maximum number of contacts and a minimal amount of information.  The Purpose of many exhibitions is to help exhibitors pass out business cards and make contacts that can be  followed up later after the exhibition.

The purpose of our seminars is to give new delegates some global economic background… then share with them ways they can diversify their portfolios and share ideas on how they can earn income globally though their own micro business.  If the seminar crams their head with so much information they cannot even store… much less process and incorporate the information… our purpose has failed.

Plus we find that the social periods… the coffee breaks and social evening are valuable valid educational tools. They are enjoyed (fun is a vital part of the educational process) and delegates share their thinking and act as sounding boards for each other.

End of excerpt

Learn more about

Online course on about our online course on how to have a seminar tour business.

Or attend our next International business and investing seminar in North Carolina October 7-8-9, 2011.

Stay on October 10, for training to earn extra income as a Jyske Global Asset Management Agent.  See details here.

Ecuador Beats Inflation


Living in Ecuador is one way to beat inflation.

ecuador-farming

Ecuadorians now how to live well on less.  They even farm steep land like this.

See two other ways to beat inflation below.

Beating inflation is absolutely vital now… especially for those about to retire… because Social Security is fading.

Lalla was a 14th century poetess who lived in Kashmir.  She described herself as a somewhat… something… moving dreamlike… on a fading road.

This is a perfect description for Social Security now… somewhat… something… moving dreamlike… on a fading road.

ecuador-farming

Almost every plot of spare Ecuador land is rich and growing food.

Picture this.

Excerpts from a recent AOL.Money article by Jim Kuhnhenn entitled “White House Projects $9 Trillion Deficit”: In a chilling forecast, the White House is predicting a 10-year federal deficit of $9 trillion — more than the sum of all previous deficits since America’s founding. And it says by the next decade’s end the national debt will equal three-quarters of the entire U.S. economy.  But before President Barack Obama can do much about it, he’ll have to weather recession aftershocks including unemployment that his advisers said Tuesday is still heading for 10 percent.  Overall, White House and congressional budget analysts said in a brace of new estimates that the economy will shrink by 2.5 to 2.8 percent this year even as it begins to climb out of the recession. Those estimates reflect this year’s deeper-than-expected economic plunge.

The grim deficit news presents Obama with both immediate and longer-term challenges. The still fragile economy cannot afford deficit-fighting cures such as spending cuts or tax increases. But nervous holders of U.S. debt, particularly foreign bondholders, could demand interest rate increases that would quickly be felt in the pocketbooks of American consumers.

The amount of  this debt just an astounding and will almost certainly lead to inflation and a falling US dollar.

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A lot of the food grown is organic so…

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the local markets, like this one in Cotacachi have low cost organic “Productos Organicos.”  This makes it easier and less expensive to eat well in Ecuador.

The article above about the deficit is bad enough news but a recent USA Today article Social Security checks set to shrink in 2010 that shows how for those who are retiring, matters are getting even worse. Here is an excerpt:  Millions of older people face shrinking Social Security checks next year, the first time in a generation that payments would not rise.

The trustees who oversee Social Security are projecting there won’t be a cost-of-living adjustment (COLA) for the next two years. That hasn’t happened since automatic increases were adopted in 1975.

By law, Social Security benefits cannot go down. Nevertheless, monthly payments would drop for millions of people in the Medicare prescription-drug program because the premiums, which often are deducted from Social Security payments, are scheduled to go up slightly.

Cost-of-living adjustments are pegged to inflation, which has been negative this year, largely because energy prices are below 2008 levels.

Seniors “count on that COLA,” said Barbara Kennelly, a former Democratic congresswoman from Connecticut who heads the National Committee to Preserve Social Security and Medicare. “To some people, it might not be a big deal. But to seniors, especially with their health care costs, it is a big deal.”

Even the Cathedral next to our hotel grows organic corn in the church yard.

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There are numerous ways to beat this inflation crunch.

Inflation beater #1: Move to a low cost of living location like Ecuador. Inflation will hit Ecuador as well… but the starting baseline is lower.  In addition people in Ecuador know how to live well… on less.

Inflation beater #2: Own real estate or other commodities. The price of property and commodities, properly purchased will rise with inflation.  Property in Smalltown USA especially offers value now.

Inflation beater #3: Have your own business.  This is the greatest inflation beating asset of all, the ability to earn wherever you live.

This is why we offer our course Tangled Web… How to Have an Internet Business.

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With so much sun and plenty of rain, the grass is rich, even in Cotacachi at 7,500 feet altitude for…

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these organic cows.  Plus raw milk can be purchased directly… and at a low cost from the dairy keeping the cost of good living down.

A clear mind and healthy body are also a vital assets… plus a second language is a powerful diversification tool.

This is why I am willing to pay you $300 to attend either our Ecuador Super Thinking plus Spanish seminar in September or our North Carolina International Business & Investing seminar in October.  Sign up for either seminar and I will email you our Tangled Web… How to Have an Internet Business Course (offered at $299) free plus I’ll knock an extra dollar off your seminar fee…. to round up the $300 savings.

Gary

Here are comments from one seminar delegate about the way we help: I really enjoy your Ecuador e-mail every day, especially because of the eclectic nature of the subjects. The recent postings on Loja were great, as my wife and I visited Loja for two nights and a day when were were in Ecuador last March. It is a beautiful town, and we met some very nice people there.

At our hotel the staff makes our own butter, marmalade and ice cream. Plus they love serving in beautiful ways. Here is how they set out the cutlery!  How can anyone not be charmed by such care.

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Sept. 17-21 Ecuador Super Thinking + Spanish Course

Sept. 23-24 Imbabura Real Estate Tour

Sept. 25-28 Ecuador Coastal Real Estate Tour

Learn more about global investing, how to have an international business and diversification in Ecuador at the seminar.

Oct. 9-11 IBEZ North Carolina with our webmaster  David Cross & Thomas Fischer of JGAM

October 16-18 Ecuador Southern coastal tour (early sign up before Sept. 1, $499 per person).

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

Nov. 6-8 IBEZ Ecuador Seminar

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

Attend any two Ecuador seminar or tours in a calendar month…$949 for one.  $1,349 for two.

Read the entire articles below:

White House Projects $9 Trillion Deficit

Social Security checks set to shrink in 2010

Retire in Ecuador for Healthcare


Many people will retire in Ecuador for healthcare reasons.

A huge demographic retirement problem looms. Population and economic numbers will drive many boomers to retire in Ecuador or other low cost countries like Ecuador where they can afford the healthcare.

The first boomers turned 60 years old in 2006. Now about 4 million more reach that age every year for the next 18 years.

This boom of retirees will swamp the retirement and healthcare systems that our parents enjoyed.

This means that those who want to retire need new strategies.  One strategy is to retire in Ecuador or at least some country where healthcare may be more dependable and affordable.

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One reason people retire in Ecuador is the scenic beauty. This is a view from our hotel Meson de las Flores.

The demographic distortions are increased because boomers have a better chance of  a long life than their forefathers.

Improvements in healthcare  extend the expected average lifespan of boomers to 22.5 years.  Yet this healthcare is becoming so expensive, it is out of the reach of many.

A longer life expectancy means higher potential  healthcare costs.  Medicare and private insurance are becoming more expensive.   Fewer employers will be able to continue giving healthcare benefits to retirees.

More and more people will be forced to finance their own healthcare. This retirement healthcare can be so expensive, one illness can destroy a lifetime of savings.

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Health care in Ecuador is less expensive in part because of lower real estate costs. Very nice houses like this built on the small river in Cotacachi are less than $90,000.

Excerpts from an article in US News & World Report entitled “A New Look at Healthcare Costs in Retirement” by Emily Brandon explains the problem better:

Health benefits for retirees are a relic of the past. Fewer than a third of current workers have any employer subsidy for retiree health insurance, according to the Employee Benefit Research Institute.

A new analysis by the nonpartisan EBRI puts the number for a couple currently age 65 at a staggeringly high $635,000, and that doesn’t include long-term-care costs. EBRI also calculated that a 65-year-old single man will need $331,000 and a single woman $390,000 to be almost completely certain of covering all out-of-pocket retiree health costs.

The article (see a link to the full article below) explains that this amount was up from a previous estimate of $225,000 needed to cover healthcare costs in retirement.

My experience is that those who retire in Ecuador find their medical, dental and pharmaceutical costs run about 20% to 25% of those in the US.

Plus there are many free health care benefits for Ecuador retirees.  See Ecuador Retirement and Healthcare.

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These new condos being built at Primavera provide low cost homes ($75,000) for those who retire in Ecuador.

Many will also retire in Ecuador for better healthcare care.

One Ecuador retirement healthcare concern goes beyond the cost.

Ecuador retirees want the care.

Many people do not like the way Western healthcare has evolved. They will not use the traditional healthcare system even if they can afford it.

A reader just sent me this note…not about Ecuador retirement…  but about a benefit of overseas healthcare for those who are retired.

Hi Gary, This is your expat friend in Manila. You are so correct about US medical care.  I couldn’t help but feel the US health care system failed my retired dad miserably.

The feeling I had was that hospitals try to avoid patient care liabilities. My dad had also purchased a term care policy, which could not be utilized until 90 days of documented out of pocket expenses. Same feeling, you call the insurer, and you are referred to their legal department.

Dad had always said socialized medicine was a bad idea, so our entire family followed.  But after this first hand experience of critically needing US medical care for an elderly, very loving dad, who this time around – needed help.

Dad risked his life in the Philippines to serve our country, as a photo-reconnaissance pilot, in WWII. He deserved better than that!

I feel like I am in much better hands here in Manila, the nursing capitol of the world. If I were in my dad’s situation I would get dedicated care from loving caring human beings, just like in Ecuador. Dentistry is the same here too. Cheers!

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The Catholic cathedral next to Meson at sunrise. The church helps with healthcare.

One US healthcare problem is that the great emphasis on specialization and insured medicine has depersonalized the care.   Liability concerns have further blocked the doctor patient connection.  The system seems  uncaring… too systematic… too numbers oriented and too lacking in compassion.

This is not the situation in many other countries including Ecuador where the health care is not only inexpensive but very caring.

Here for example are some sorts of an Ecuador retirement nursing home where the doctor and nurses even dance with the retired residents.

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See more on this at Retire in Ecuador & Nursing Homes.

The onrush of boomer retirees will place a strain on the US healthcare sstem, push up the price and reduce the care. Many will retire in Ecuador or other countries for lower costs and more care.

I am doing a Retire in Ecuador questions and answers so send your questions about Ecuador and retirement.

Gary

Join us at our North Carolina farm this July or October for our International business & investing seminars below. Learn more about early retirement and Ecuador.

July 24-26 IBEZ North Carolina

Oct. 9-11 IBEZ North Carolina

Or join us in Ecuador and learn more about living and retiring in Ecuador.

July 24-26 IBEZ North Carolina

Oct. 9-11 IBEZ North Carolina

Or join us in Ecuador and learn more about living and retiring in Ecuador.

Sept. 17-21 Ecuador Spanish Course
Sept. 23-24 Imbabura Real Estate Tour
Sept. 25-28 Ecuador Coastal Real Estate Tour

Oct. 21-24 Ecuador Import Export Tour

Nov. 6-8 IBEZ Ecuador
Nov. 9-10 Imbabura Real Estate Tour
Nov. 11-14 Ecuador Coastal Real Estate Tour

Read the entire article “A New Look at Healthcare Costs in Retirement at” http://www.usnews.com/blogs/planning-to-retire/2008/06/05/a-new-look-at-healthcare-costs-in-retirement.html

Beating the Multi Currency Debt


Beating the multi currency debt in the era ahead will be one of the most important financial tasks you have.

This is the fifth message in this series on Ecuador and business opportunity.See the first message at Ecuador organic cheese and wine. The second article in the series is at Ecuador organic wine and cheese II and Ecuador wine & Cheese III and Internet business ideas.

We are in Cotacachi conducting our Shamanic Mingo tour.  Here is the group visiting the Shamana of Zuleta.

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The shamana.

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These shamanic tours are important because they look at how to alter one’s lifestyle… eat and exercise better… reduce stress and have better health naturally. This is important as I explain in this serious… though I hope light hearted warning.

This series began with this point:

We are enjoying a quantum shift and the way we work, live, invest and do business will never be as before.

Governments globally are trying to slow this needed economic transition and their stimulation efforts will most likely cause the loss of purchasing power in most currencies… global inflation.

The best ways to gain opportunity in this scenario is to own real estate, commodities, stocks and your own business.

The greatest asset we can have in the economic era ahead is an ability to serve… to produce a product or service that adapts to the new ways.

As this series was being written a USA Today article by Dennis Cauchon entitled “Leap in U.S. debt hits taxpayers with 12% more red ink” appeared that underscored perfectly what this series is about.

The old order is done.  Here is an excerpt from this article that explains why:

Taxpayers are on the hook for an extra $55,000 a household to cover rising federal commitments made just in the past year for retirement benefits, the national debt and other government promises, a USA TODAY analysis shows.

I showed these charts in yesterday’s message but am repeating them because they are of such importance.

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The 12% rise in red ink in 2008 stems from an explosion of federal borrowing during the recession, plus an aging population driving up the costs of Medicare and Social Security.

That’s the biggest leap in the long-term burden on taxpayers since a Medicare prescription drug benefit was added in 2003.

USA TODAY used federal data to compute all government liabilities, from Treasury bonds to Medicare to military pensions.

Bottom line: The government took on $6.8 trillion in new obligations in 2008, pushing the total owed to a record $63.8 trillion.

Here is the crunch… in the past it was easy to profit from the overspending by Uncle Sam.  All one had to do was invest in ther currencies for the long term. The chart from Grandfather.com come shows how in the 41 years I have been working and investing abroad, the US dollar has fallen versus the Japanese yen, Swiss franc and other major currencies.

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The problem is that about 20 years ago other governments caught on!  Now Japan, Germany, England and many other matured countries have huge amounts of debt and large deficits and aging populations as well.

This means that many currencies will lose purchasing power and create rising, global inflation.

One way to combat this is to move to countries with lower costs, younger populations and less social obligation. 

This is why living in Ecuador makes sense.

However the move to a lower cost base country alone may not be enough.

I reiterate.

The greatest asset we can have in the economic era ahead is an ability to serve… to produce a product or service that adapts to the new ways.

Merri and I look forward to sharing how we do this in the years ahead with you.

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Here is a shot taken by a delegates of Merri and me at one of our International business and Investing courses as we headed to our seminar center in the Blue Ridge.

Gary

Learn how to enroll in our emailed internet business course here.

Join us at an upcoming July and October North Carolina seminars. We have invited our  web master to speak on the future of  internet business and will have extended sessions on how to develop an internet business.

Learn more about these July 24-26  and Oct. 9-11 courses at IBEZ North Carolina

You can read the entire article “Leap in U.S. debt hits taxpayers with 12% more red ink” at www.usatoday.com/news/washington/2009-05-28-debt_N.htm

Otavalo & Cotacachi Ecuador Food & Pie


Otavalo & Cotacachi Ecuador food is great.

Otavalo pie is magnificent!  This is Torte de Fresa or Strawberry Pie.

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More on Otavalo & Cotacahi Ecuador food… plus a vitally important Spanish lesson (so you will never starve in Ecuador) in a moment.

When Merri and I moved from South Florida about a dozen years ago, one of our great regrets was the distance this added between us and Flora & Ella restaurant in LaBelle, Florida.   This restaurant was started in 1933, by two sisters, Flora & Ella.   The developed a simple place…soda fountain style  where families would congregate and eat good food… and unbelievable pie.  Merri and I used to drive the hour from our home just for a slice.

Though the sisters are no longer there and the establishment as moved to a new building. It still is still a great restaurant…  nothing fancy  except the pie.

Last time we were there, a slice was $2.50. I don’t know the price now. I mourn few things… but missing that pie… sigh.

Some things in America, especially in small town America, have not changed like Flora and Ella.

However much has changed in the US and has been changing since 1969 as evidenced by Don McLean’s  1972 song  “Bye-bye, Miss American pie. Drove my Chevy to the levee, But the levee was dry. And them good old boys were drinkin’ whiskey and rye .”

Prophetic words written long ago but applying to American economics today.

Regrettably the Chevy should have been left on the levy rather than rescued by the government to the tune of billions and rising.

The levy may have been dry then but now it is awash with dollars printed by the Fed without any productivity or backing behind.  However, this creates opportunity in medium and long term gold investments.

There are others ways to have your pie and eat it too.

This growing flood of dollars has reduced its purchasing power. Those of you who remember the 25 cent piece of pie and 10 cent cup of coffee have seen what this means.

Yet I am pleased to announce that you can still have American pie (and at bargain prices) even when you are in Ecuador in Otavalo at…

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Shanandoa Pie Shop on the Plaza des los Ponchos market.

There is a story here… like Flora and Ella. I do not know it… but what I do know is that the pie is almost exactly the same as in La Belle… and delicious at a buck for a huge slice.  Here is the owner and her helper.

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Here is the vital Spanish lesson.  Torte = Cake or Pie.  Or you can also just say “pie”.

I took some shots at The Shanandoa to help with the lesson.

Torte de Manzanilla = Apple Pie.

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Torte de Moira = Blackberry Pie.

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Torte de Naranjilla = Naranjilla Pie  (like lemon meringue).

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Torte de Chocolate = Chocolate Pie.

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Torte de Banana = Banana Creme Pie.

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Now to my way of thinking you know most of  the important Spanish words required to survive. I have discovered that enthusiastic finger pointing works as well.

You also know why it might make sense to buy gold when it is below $900 an ounce.

Until next message, may all you investments and pie be golden!

Gary

How We Can Serve You

How to Have Real Safety

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There are only three reasons why we should invest.  We invest for income.  We invest to resell our investments for more than we had invested.  We invest to make our world a better place.

We should not invest for fun, excitement or to get rich quick, or in a panic due to market corrections.

This is why the core Pi model portfolio (that forms the bulk of my own equity portfolio) consists of 19 shares and this position has not changed in over two years.  During these two years we have been steadily accumulating the same 19 shares and have not traded once.

The portfolio has done well in 2017, up 22.6%, better than the DJI Index.

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However one or even two year’s performance is not enough data to create a safe strategy.

The good value portfolio above is based entirely on good value financial information and mathematically based safety programs developed around models that date back 91 and 24 years.

The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets developed combining my 50 years of investing experience with study of the mathematical market value analysis of Keppler Asset Management and the mathematical trend analysis of Tradestops.com.

In my opinion, Keppler is one of the best market statisticians in the world.  Numerous very large fund managers, such as State Street Global Advisers, use his analysis to manage over $2.5 billion of funds.

The Pifolio analysis begins with Keppler who continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  He compares each major stock market’s history.

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Michael Kepler CEO Keppler Asset Management.

Michael is a brilliant mathematician.  We have tracked his analysis for over 20 years.   He continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  He compares each stock market’s history.  From this, he develops his Good Value Stock Market Strategy and rates each market as a Buy, Neutral or Sell market.  His analysis is rational, mathematical and does not cause worry about short term ups and downs.  Keppler’s strategy is to diversify into an equally weighted portfolio of the MSCI Indices of each BUY market.

This is an easy, simple and effective approach to zeroing in on value because little time, management and guesswork is required.  You are investing in a diversified portfolio of good value indices.

A BUY rating for an index does NOT imply that any stock in that country is an attractive investment, so you do not have to spend hours of research aimed at picking specific shares.  It is not appropriate or enough to instruct a stockbroker to simply select stocks in the BUY rated countries.  Investing in the index is like investing in all the shares in the index.  You save time because all you have to do is invest in the ETF to gain the profit potential of the entire market.

To achieve this goal of diversification the Pifolio consists of Country Index ETFs.

Country Index ETFs are similar to an index mutual fund but are shares normally traded on a major stock exchange that tracks an index of shares in a specific country.  ETFs do not try to beat the index they represent.  The management is passive and tries to emulate the performance of the index.

A country ETF provides diversification into a basket of equities in the country covered.  The expense ratios for most ETFs are lower than those of the average mutual fund as well so such ETFs provide diversification and cost efficiency.

Here is the Pifolio I personally use.

70% is diversified into Keppler’s good value (BUY rated) developed markets: Australia, Austria, France, Germany, Hong Kong, Italy, Japan, Norway, Singapore and the United Kingdom.

30% of the Pifolio is invested in Keppler’s good value (BUY rated) emerging markets: Brazil, Chile, China, Colombia, the Czech Republic, South Korea, Malaysia and Taiwan.

The Pifolio consists of iShares ETFs that invested in each of the MSCI indicies of the good value BUY markets.

For example, the iShares MSCI Australia (symbol EWA) is a Country Index ETF that tracks the investment results the Morgan Stanley Capital Index MSCI Australia Index which is composed mainly of large cap and small cap stocks traded primarily on the Australian Stock Exchange mainly of companies in consumer staples, financials and materials. This ETF is non-diversified outside of Australia.

iShares is owned by Black Rock, Inc. the world’s largest asset manager with over $4 trillion in assets under management.

Pi uses math to reveal the best value markets then protects its positions using more math created by Richard Smith founder and CEO of Tradestops.com to track each share’s trend.

We use Smith’s  algorithms that calculate momentum of the good value markets.

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The Stock State Indicators at Tradestops.com act as a full life-cycle measure that indicates the health of each stock. They are designed to tell you at a glance exactly where any stock stands relative to Dr. Smith’s proprietary algorithms.

Kepppler’s analysis shows the value of markets.  The SSI signal indicates the current trend of each stock (performing well, or in a period of correction, or stopped out).

The SSI tells you one of five things:

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Akey component of the Stock State Indicator (SSI) system is momentum based on the latest 521 days of trading.  A stock changes from red to green in the SSI system only after it has already gone up a healthy amount and has started a solid uptrend.

How SSI Alerts Are Triggered

If the position has already moved more than its Volatility Quotient below a recent high, the SSI Stop Loss will trigger.  This is an indicator that the position has corrected more than what is normal for this stock.  It means to take caution.

Below is an example of how SSIs work.  This example shows the Developed Market Pifolio that we track at Tradestops.com.

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Equal Weight Good Value Developed Market Pifolio.

At the time this example was copied, all the ETFs in the Developed Market Pifolio (above) currently had a green SSI.

We do not know when the US market will fall.  We only do know that it will.  We also do not know if, when the US market corrects, global markets will follow or rise instead.

The fact that the Pifilios are invested in good value markets reduces long term risk.

Additional protection is added by using trailing stops based on the 521 day momentum of each stock in the Pifolio.

Take for example the graph below from our Tradestops account that shows the iShares MSCI United Kingdom ETF.  This ETF had a green SSI and a Volatility Index (VQ) of 13.26%.  This means the share can move 13.26% before there is a trend shift.

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iShares MSCI United Kingdom ETF (Symbol EWU)

Pi purchased the share at$31.26 and in this example the share was $34.43 and rising.  Tradestop’s algorithms suggested that if the price drops to $31.69 its momentum would have stopped and it would have shifted into trading sideways.   The stop loss price is currently $29.86.  If EWU continues to rise, both the yellow warning and the stop loss price will rise as well.

When the US stock market bull ends, know one knows for sure how long or how severe the correction will be.

When the bear arrives, what will happen to global and especially good value markets?

No  one knows the answer to this question.

What we do know is that the equally weighted, good value market Pifolios have the greatest potential long term and that math based trailing stops can be used to protect against a secular global stock market correction when it comes.

My fifty years of global investing experience helps take advantage of numerous long term cycles that are part of the universal math that affects all investments.

What you get when you subscribe to Pi.

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

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

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

You also receive two special reports.

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

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

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

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

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

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

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

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

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

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

I have updated this report and added how to use the Dip Strategy with platinum.   The “Platinum Dip 2018” report shares the latest in a series of long term lessons gained through 40 years of speculating and investing in precious metals.  I released the 2015 report, when the gold silver ratio slipped to 80.  The ratio has corrected and that profit has been taken and now a new precious metals dip has emerged.

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

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

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

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

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

In 2018 I celebrate my 52nd anniversary in the investing business and 50th year of writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

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

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

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

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

Details in the online seminar include:

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

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

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

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

keppler asset management chart

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

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

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

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

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

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

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

Save $468.90 If You Act Now

Subscribe to the first year of The Personal investing Course (Pi).  The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription.  Plus you receive FREE the $29.95 report “Three Currency Patterns for 50% Profits or More”, the $39.95 report “Silver Dip 2017” and our latest $297 online seminar for a total savings of $468.90.

ecuador-seminar

Triple Guarantee

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

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

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

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

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

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

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

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

Gary

Profit From the 2011 Economic Disaster


Are We 33 Months From Real Economic Disaster?

Dear International Friend,

Many investors worry about the current economic downturn…yet there is a destructive investment fundamental that is now so powerful it overwhelms all other factors that affect investing.  It has such power it could destroy most investors in North America and make the current recession pale in comparison. The frightening part is it could unleash its destruction as soon as October 2011!  I want to share what, when and when this disaster could happen.

Then I want to share how you can make a fortune from NOW THROUGH 2012 and during this crash.

Before I explain how you can reap profits never before imagined and sidestep the upcoming disaster that will wipe out so many investors…..we need to look at some facts.

These are facts, figures and statistics that will truly horrify anyone who even keeps a modest checkbook.  The figures give rise to such great concern that we can see the horrible predicament into which we are being led.

Let me prepare you by assuring you that every economic crash is simply a shifting of fortunes.  Just as the depression of the 1930s created many millionaires, so will this crash.  Once you understand the problems, you can find easy ways to protect against them and become one of those who are enriched rather than ruined during the transition.

Part of this debacle will come because the US dollar is now near a major fall…in fact an unprecedented crash is a better term what will happen to the dollar.  We now know, having seen the Dow fall 50% in a year, that US institutions are not invincible from unparalleled drops.

There may be ups for the US Dollar.  For every period of a rising dollar, there will be longer periods when dollars fall.  For every upward move, there will be an ever greater fall,  Each rising will be weaker and shorter, each fall, longer and deeper.

In this knowledge lies a fortune!  Here is why this fact is so sure.

In 1964, the year Lyndon Johnson became president, the total national debt was  $316 billion. By the time, Ronald Reagan left office that debt had climbed to $2.6 trillion.  The interest cost alone was $214 billion.  By 1990 the debt had risen to $3.2 trillion and interest costs for just the one year were $242.9 billion. Interest was the largest single government cost after Social Security, even greater than defense spending.  That was when the economic problem began as US debt moved towards a precipice where recovery becomes impossible.

Flash forward 18 years and read this excerpt from a December 2008 Washington Post article.

“President Bush has nearly doubled the national debt during his eight years in the White House.  Mr. Bush is on track to add $5 trillion to the $5.73 trillion national debt he inherited when he took office. According to Treasury Department data, the number was $10.66 trillion at the end of November, and it has been rising at an astronomical rate.”

That’s bad enough…but the future gets worse as the article says that during fiscal 2008, which ended Sept. 30, 2008 the national debt increased by more than $1 trillion, breaking the previous fiscal year record of more than $600 billion.

The government’s debt situation is about to get worse as the Post outlines that
Federal debt should increase by $2 trillion in fiscal year 2009 alone!

Given an average interest rate of 4 percent, that $5 trillion of extra debt requires extra $200 billion per year from taxpayers in interest on that debt – in perpetuity.

The Post article points out,  “During October, the first month of fiscal 2009, the national debt increased by a staggering $549 billion. That was approximately three-quarters of $1 billion every hour of every day, or more than $12 million per minute and more than $200,000 per second.”

This is a lot of debt even for America’s 14 trillion a year economy.

Then the news gets worse.

Excerpts from an August 2008 US News & World report says:  “Welcome to America’s $2 Trillion Budget Deficit.  Barack Obama has already said that America’s ‘investment deficit’ will take priority over its budget deficit.

A rough estimate of the cost of this New New Deal would be close to $500 billion a year, maybe $775 billion if Uncle Sam is to completely offset the drop in consumer spending predicted by Rosenberg. Now, as it is, the government is expected to run a $500 billion deficit next year. So the S&S plan would put that budget deficit at over $1 trillion. And if you tack on a potential $500 billion to $1 trillion bailout of the banking industry, that $1 trillion deficit could conceivably double to $2 trillion.

But a $2 trillion budget deficit would be, like, 15 percent of GDP. That would be the highest level since World War II and more than twice as high as the postwar peak of 6 percent in 1983.

I can’t believe the global bond and currency market vigilantes wouldn’t completely freak, sending U.S. financial markets into chaos. Talk about a worst—though entirely possible—case scenario.

How much worse could the situation get… a one year deficit that is 15% of Americas fourteen trillion dollar a year economy?

The answer is much worse…in fact five times worse… because…
all of these government estimates are skewed.

If US debt is now 10 trillion and Obama’s administration borrows 2 billion more in 2009, that makes the debt look like 12 trillion.

Yet according to excerpts a USA Today article, “Taxpayers on the hook for $59 trillion” by Dennis Cauchon.  The federal government’s debt is five times worse if corporate-style accounting standards are used.

The article says:  “Modern accounting requires that corporations, state governments and local governments count expenses immediately when a transaction occurs, even if the payment will be made later.

“The federal government does not follow the rule, so promises for Social Security and Medicare don’t show up when the government reports its financial condition.

“Bottom line: Taxpayers are now on the hook for a record $59.1 trillion in liabilities, a 2.3% increase from 2006. That amount is equal to $516,348 for every U.S. household.”

With such fundamentals, it is hard to be anything but pessimistic about the US dollar.  This is why, with the information I am about to share, you can reap profits again and again.

Take for example the financial power that comes from understanding the value of the US dollar to the Japanese yen.

Despite the crash of 2008, long term investors in the US stock market have done well.  January  1, 1982, the Dow Jones Industrial Average was 896.  January 1, 2009 it was  8,515.  That is a rise of 9.5 times in 26 years or about 36% (9% compounded) return a year…even after the 2008 crash!   $10,000 invested has grown to $95,000.

So, it seems.

Now, let’s look at the yen.  During the first half of the 1980s, the yen failed to rise in value even though current account surpluses returned and grew quickly. From ¥221 in 1981, the average value of the yen actually dropped to ¥239 in 1985.

When the Dow was 896, a US dollar bought 230 yen.

Today, 26 years later, January 1, 2009, a dollar buys about 90 yen. Imagine this. 2,300,000 yen purchased $10,000 in 1982 which grew to $95,000.   The $95,000 buys 8,550,000 yen.

The excellent Dow profit looks downright lousy, an increase of only 3.7 times in 26 years.  61% percent of all the Dow profit in the last 26 years has been lost due to US dollar erosion.  And the dollar’s fall will grow worse!

This is powerful profit knowledge…IF…you know what to.

US government debt has passed the short term point of no return.  Three bold steps were needed two decades ago, a reduction of entitlement costs (Social Security, Medicare, Medicaid, etc.), reduced defense spending and a reduction of the existing debt.  The government moved in the opposite direction… in all three cases.

There are many ill omens as our new government still does not take this incredible problem seriously. The proposed new plans might cost trillions more. These are trillions that the US government does not have.  Nor are we likely to see any increases in tax revenues during the current economic downturn.

America must borrow to spend and the deeper the US debt, the greater the dollar’s fall.

The government’s refusal to create a plan to balance the budget shows no solution is in sight.  It is menacing to see how the government plans to spend more now.

The US Treasury only has 33 months left before a tsunami of expense rushes over  the government.   By the time (if ever) the government finally recognizes this problem, for most investors, it will be too late.  If it takes a terrible crash of the US dollar to finally wake the government, it could wipe out millions of families’ saving, capital and spending power in the process.

All these facts are omens of ill winds ahead.  There are already tens of millions of Americans who have been financially wiped out….but the worst has not even begun.

We will see hyper inflation, massive unemployment and a free fall of the greenback that will affect currencies and investing everywhere.  This crash will make the current downturn…even the last great 1930s depression look like a Sunday picnic.

You do not have to be alarmed because the resolution which I am about to share is so simple, anyone can act and can prepare for this disaster without inconvenience or trouble.

You do not have to participate in the great fall of the US dollar.  All you have to do is learn how to be a multi currency investor.

The time for international investing is right.  Global diversification has already created fortunes for a few sophisticated investors because this obvious problem of the US government debt actually makes it easier to make money, if you know how to invest abroad.

Let me explain why big problems can mean big profits, then let me explain why no one has been around to tell you how to invest abroad but why there is not a solution that can make multi currency investing totally easy for you.

First, let’s look at the big problem. It’s a sad reality that US government debt has actually been ruining US investments for over 40 years.  The big bankruptcy that’s coming is just the end.  The bankruptcy really started in 1971 and has been building steadily since.

Until 1971 the US dollar was the kingpin currency for the world.  Then it was “temporarily” suspended from the gold standard.  This “temporary” move, like our debt today, was ignored by the government. Since that time (the dollar was never reinstated to the gold standard), the buck has fallen and fallen. Though you may have read about a strong dollar lately, the reality of the greenback’s slide continues.

Don’t get me wrong, the dollar has not dropped every day.  It has enjoyed some short term rises over the past 37 years, but to see the real picture all you have to do is look at the dollar’s value in any major currency in 1971 and then look at its value today.

In 1972 for example the US $ was worth over 4.25 Swiss francs, 4.00 German marks and nearly 400 Japanese yen.  Today, as you can see from the yahoo.the same dollar has dropped as low as 1 dollar per Swiss franc, .65 euro (related to the German mark) and only 90 yen.  In other words, if you had $10,000 in 1971, it was worth about 4,000,000 yen.  If you invested those dollars safely clear back in the 1970s and earned a 4% compound return, by 2008 those dollars were worth over $40,000.  You might well feel the investment had gone well.

The sad truth is those $40,000 are now worth only 3,800,000 yen!  All US dollar investments have lost over 4% compounded each and every year for the past 22 years.  Your 4% return was a real loss by hard currency standards, but this loss has been hidden and the real facts about your wealth have been kept from you.

On the other hand, had you invested in Japan, Switzerland, Germany or most other major currencies, your investment would have tripled or quadrupled in dollar terms even before you started making profits!

There is another fact that is even more spectacular.  Most stock and bond markets abroad (in addition to the currency gains) have been better than in the US.

For example had you invested in the Dow in 1978, the ow was standing at 865. Today, mid December 2008 is is 8,500.  $10,000 invested in the Dow in 1978 would have grown to about $100,000…even after the global stock market crash.

Not bad?

If instead you had invested $10,000 in an investment as simple as the Templeton World Fund which started in 1978 and invests in stock markets al over the world, the $10,000…after the 2008 global crash…is still worth $352,080.

Look at the performance of bond markets as well.

Right now you receive 1.96% on the U.S. Treasury bonds that mature 2013.

Yet good quality Danish bonds of about the same term pay 4.53%  in Danish kroner.

Norwegian kroner bonds pay 3.70%
Swedish government bonds pay 2.74%
British Treasury bonds pay 3.18%
Mexican Government US dollar bonds 5.10%
Peru Government US dollar bonds 7.57%
South African bonds in euro pay 8.61%
Indonesian bonds in US dollars pay 11.57%
Hungarian Government Florin bonds 12.35%
Brazilian Government Real bonds 14.78%

Plus all of the currencies above (though depressed lately) have appreciated as much as 50% versus the dollar in recent years.

These statistics show how US government debt has invisibly, but relentlessly, destroyed the value of our investments in North America.  These statics come from my multi currency investment course, that can help you prosper even though the US dollar falls.

I’ll explain the course but first let me explain why, even though the US dollar has fallen so dramatically over the past 37 years, no one has been knocking on your door to tell you how to invest abroad.

It is the very weakness of the US dollar that has stopped North American banks, brokers and other financial institutions from telling you about the problem. These facts have been hidden from you because they have been afraid if US investors knew how bad the dollar has been that no one would deal with them.  They have, short and simple, been afraid of losing business.

Now let me tell you about this simple easy-to-use investment course called Multi Currency Investing  (MCI) and how you can have it on a no risk basis.

First, let me explain that the course is designed for anyone.  It is even for those who have never invested abroad, even if they are small investors with only a few thousand or a small amount to invest monthly.  MCI explains how investments can be made overseas for small amounts.  It even explains how to invest out of the US dollar right her in the US and never leave your home of office.

However, MCI also gives sophisticated information that you might not know even if you have been investing all over the world.  Some of my readers and course delegates are billionaires who own dozens of companies and invest all over the world!

Sleepy, Safe Portfolios Can Earn Over 100% Per Year

Multi currency investing does not require any fast trading techniques.  Multi currency portfolios are normally slow and sleepy investments…not currency contracts or futures speculations.  Most multi currency positions are aimed with a five year horizon…pretty sleepy compared to people who trade currencies (an entirely different and far riskier technique). For most of us, slow and sleepy mean SAFE!

Yet multi currency portfolios can be really profitable as well.

How sleepy and how safe?

Let’s look first at sleepy.

In 2006 we created an Asian multi currency portfolio consisting of just five award winning mutual funds.

We did not touch the entire portfolio for an entire year. Then after one year we made just five changes…dropping two mutual funds and adding three other mutual funds. Then we did not make another single change. That’s pretty sleepy, choosing a handful of mutual funds and making only five changes in two years.

Okay. Here is the big question. How profitable?

In the first year (2006) this portfolio rose 114.16%. Then we made the five changes mentioned (two funds dropped and three added). In 2007 this portfolio rose 122.62%.  2008 was a disaster year and the portfolio lost 79%. But when your portfolio is up over 236% in two years, it takes a lot of disaster to lose…so this portfolio is well ahead even after the great 2008 crash.

Year one up 114%
Year two up 122%
Year three down 79%

Total in three years…up 157% or an average of over 52% per annum for three years…even after the 2008 crash.

May I hasten to add that the portfolios published in the portfolio are not published recommendations.  These are portfolios we study to learn why they rise or fall. More on this in a moment.

First let’s examine safety.  How safe?

The portfolios were chosen with the help of one of the world’s safest banks and the mutual funds were all subsidiaries of that bank.

That safe bank is a Danish bank. That’s good because in recent years Denmark has been rated by Standard & Poor’s as one of the safest country in the world in which to bank.

The bank is Jyske Bank…well established with a history of over 100 years. Jyske is Denmark ’s second largest bank, with 450,000 clients in Denmark and over 30,000 abroad.

Jyske Bank has over 23 billion euros in assets and also happens to be one of the leading currency traders in the world. The Danes have always been big currency traders because as a small naval country surrounded by England, Sweden, Finland, Russia, Germany, Norway and other countries…they have always had to deal in many currencies.

This historically gained expertise means that unlike most banks (that trade only eight hours a day) Jyske maintains a 24 hour global currency and commodity dealer service. Many other large banks use Jyske to handle their off hour currency positions. This means that Jyske is huge when it comes to multi currency activity. In fact their turnover reaches $50 billion dollars a day.

Let’s address this issue of safety in more detail. Normally this is a pretty moot point. Right now everyone is concerned. Is a bank safe or not? I like Jyske from a bank safety point of view because there are three bank safety points, from the top down.

Bank Safety Point #1: A recent Yahoo Canada article shows a survey by the World Economic Forum listed five safest countries in which to bank.

Canada
Sweden
Luxembourg
Australia
Denmark

So Denmark is a safe place to bank. Now let’s look at Jyske Bank’s safety rating.

Bank Safety Point #2: Jyske Bank is Denmark’s second largest bank.
On October 10 2008, Moody’s affirmed Jyske Bank’s long-term Aa2 rating stable rating. This decision came despite the deteriorated economic prospects in Denmark, particularly in respect of the property market.

Bank Safety Point #3: Also on Friday 10 October 2008, the Danish Parliament passed a bill that secured all deposits and unsecured claims against losses in Danish financial institutions. The rating of the Kingdom of Denmark is Aaa/AAA with Moody’s and Standard & Poor’s respectively.

These are common sense bankers. They had minimal sub prime exposure when that scandal broke. Jyske had zero Madoff exposure.

That’s safe!

I happen to know Jyske Bank because I began using them (as my bank) over 20 years ago. They are one of the few banks that offers a special multi currency portfolio service for investors from almost anywhere in the world…including US investors through their Jyske Global Asset Management.

I was one of the first writers and publishers to begin writing about multi currency investing. Jyske bank was one of the first banks to offer a multi currency portfolio service…and they were my bank.

Not surprising we got together and have created a symbiotic relationship that can help you learn how to create multi currency portfolios that suit you.   Jyske Bank assists by providing information that only a huge global bank trading 50 billion dollars of currencies and contracts a day (as Jyske does) can afford.   My symbiotic relationship with Jyske allows me to combine my experience with this bank’s incredible knowledge, real time information capability and expertise so you learn in a most practical way from some of the greatest multi currency experts in the world.

Now let’s look at both the up and down side of these high performing portfolios and how they work?

The goal of MCI is not to recommend investments for you, but to help you learn how to be a multi currency investor so you are better at directing your broker,  banker or investment advisor.

To accomplish this goal, the course provides three levels of education.

Part one of MCI is an extensive beginner’s guide to developing multi currency portfolios.  This entire primer is sent to you when you begin the course.  This portion of the course takes nothing for granted and walks you step by step through every part of international investing.

Take, one of the primer lessons as an example. It explains theory on some of the reasons why currencies move, but taking nothing for granted it also explains what the currencies of the world are and gives their history, so before you learn why the euro doubled versus the US dollar, you get to know these currencies and the their underlying fundamentals.

Another lesson in the primer gives case studies that are real examples of how the theory has been put to use in the past.  This lesson covers theory on why currencies move and how to spot the hot currencies months ahead of time. Then it gets down to brass tacks and explains how to open bank accounts overseas to hold the hot currencies…or even how to invest abroad through US banks and brokers.

Everything about how to bank abroad and hold the currencies is covered.  How to open accounts, how to send money abroad all the laws relating to overseas accounts, taxation, etc. plus the most important part, which is how to spend the money when you need it from overseas accounts.

Then the course gives a real, live case study that show how the theory works in reality. It tells about an investor who opened an account, got a  checkbook and credit card and how he used them both and held several currencies for higher returns that he gained with US dollars.

Finally you also get valuable contacts in the course.  These are vitally important. There are names and addresses of institutions and source of information you can use to turn your knowledge into action!

Here is the syllabus of the primer you will receive in MCI.

* Why Currencies Move.

* How to Bank Abroad.

* How to Buy Stocks and Bonds Overseas.

* How to Choose Currencies.

* Why Currencies Rise and Fall.

* How to Borrow Low and Deposit High.

* How to Buy Mutual Funds That Invest Abroad.

* ETFS. Why They are Often Better Than Managed Funds.

* How to Find Bonds that are Like and Often Better than Shares

* How and When to Capture Recoveries.

* Global Portfolio Diversification Theory.

* When Leveraged Low Risk Portfolios Are Safer and Perform Better Than High Risk Portfolios.

The primer deals with the past…but as we so vividly saw in 2008…markets are always in a state of change so…

Part two studies global markets in real time.  Your MCI course comes in regular emailed lessons usually emailed every two or three days.  Though at times you’ll get a lesson every day for many days in a row. Other times nothing will come for a week because these lessons are based on real time market activity.  MCI studies currencies and global investment markets and reports to you on their value and why that value occurs.

This portion of the course studies the current performance of portfolios that Jyske bank creates…plus examines the portfolios of several globally diversified mutual funds….for both small and large investors.   This portion of your course gives you an overall, up-to-date understanding of market and currency moves.

Part three of MCI shares my portfolio and where I invest.  This is an unusual feature…so let me explain why MCI regularly reviews my personal investment portfolio and how this can be of value to your investing.

First this is honest.nd we have fund that for us…honesty pays.

As we recently learned from the Madoff scam…investors must always be on guard.  This is our 41st year of educating about international investing.  This is all we do and our great long term success has been based on placing our readers ahead of all other considerations.   We do not sell investments. We do not give individual advice.  We have no hidden agendas that could lead investments astray.

We want you to see and know what we are doing based on our own advice so you can trust the data we share.  Otherwise the lessons do little good.  You the reader are the only way we earn.  We do not receive commissions…or any form of remuneration for selling shares or accounts etc.   We hope to work with you for life…rather than make some type of quick killing by advising you to invest in something we d not really believe in.

We feel that by letting you know how we actually invest helps accomplish this long term bond.

This is vital because we often invest exactly the opposite of the market.

Take for example the five 2007 portfolios we studied in MCI:

Portfolios             12 Month Rise
Swiss Samba           53.32%
Emerging Mkt        122.62%
Dollar Short             48.19%
Dollar Neutral          38.67%
Green                    266.30%

This is performance you will rarely see duplicated…anywhere…at any time.

Yet these were model portfolios…not meant to be yours….not meant to be mine.  I do not invest in these portfolios because…they do not suit my lifestyle and my unique personal financial needs.  One of the key lessons that MCI focuses on…again and again is “there is no perfect portfolio for you”… except one designed uniquely for you.

My portfolio is not perfect for you either…yet seeing “how” I adapt my portfolio to our virtual real time portfolio reviews can help you learn how to adapt your personal portfolio  as well.

So even though our study portfolios were enjoying world class performance, exploding upwards like rockets,  I was reducing leverage and getting out of markets.  On August 17, 2007…well before the 2008 collapse began I posted the note in an MCI lesson on why I was getting out of leverage and equities.

“Such historical measures are so inexact that we cannot predict just from them what will happen in the short term. The numbers are close enough that we could be entering the fourth sub cycle down (similar to 1976 to 1978). If so expect a sustained drop in markets for two to three years.”

Even though the portfolios MCI studied continued to rise, I sent another danger lesson to the course on September 21, 2007. “Equity markets dropped again violently last month. Now these markets have recovered again. Yet this may be a last gasp party.”

I began increasingly concerned for myself and on October 14 sent this lesson  “Periods of high performance are followed by times of low returns. We never know for sure when an upwards cycle will stall. Fundamentals look good for a bright 2008 in emerging and equity markets, but this can change quickly so to give our readers a better perspective, this year we are reducing leverage and adding a sixth portfolio with no leverage to study”.

The Oct. 15, 2007 lesson said: “Okay it’s time to turn the burner down and offered a “leverage dwindling” warning.  On Oct. 26 I explained to readers that I had eliminated even my modest leverage and wrote: “There is a final reason I liquidated my leverage now…to lead by example. Too many readers are thinking that the dollar short or dollar neutral Portfolios are only up 38% or 48% for the year. When one thinks that way they could be headed for trouble, so I hope investors will follow my lead and take greater care with their leverage.”

I did not stop. The November 8, 2007 was a Black Friday interim message that warned again about all the points above and more.

This created one plain and simple fact.   The 2008 stock market crash drop did not surprise those enrolled in MCI.

Right now at the end of 2008, I am adding leveraged bonds to my portfolio. Here is an excerpt from the December 28, 2008 MCI lesson:

There are many similarities between the US economy and the US government’s response to the downturn with Japan’s slowdown in the early 1990s and the Japanese  government’s response then.   Readers made fortunes borrowing yen as they may make fortunes borrowing dollars now.

Watch especially now for ways to borrow dollars at low rates for investing in high yield, short term dollar bonds like:

Currency                      Bond                               Yield

USD    9.125   19/05/2009    SOUTH AFRICA     6.04%

USD    10.25   17/06/2013     BRAZIL REP OF     6.24%

USD     8.25     31/03/2010     RUSSIA                   5.93%

This type of bond has no currecny risk if leveraged in US dollars.  Your only major risk is default.

Bonds denominated in euro are even more to my liking because they pay higher interest and have a potential forex gain if the dollar drops again verus the euro.

Yet our lessons are objective and provide warnings of risk as well.  This type of leveraged investment also has a chance of loss if the dollar rises verus the euro. Do not borrow more than you can afford to lose!

There is even more yield potential in bonds denominated in euro.

EUR      5.75   02/07/2010     ROMANIA             10.81%

EUR    8.5     24/09/2012     BRAZIL REP OF      7.49%

EUR    5.25     16/05/2013     SOUTH AFRICA     8.61%

These three bonds yield an average 8.97%. They represent a diversification into Europe, Latin America and Africa.   If you invest $100,000 and also invest another borrowed $100,000 at 4%, your total annual return is 13.94%  before  any forex gains or loss.

MCI provides you with bank contacts who  lend in many currencies often at very low rates, to leverage investments.

Multi Currency Investing helps you enjoy the ultimate form of financial security.

From the very first lesson, you expand your knowledge about investing abroad.  You gain contacts that can bring you solid profits and safety when most investors are being silently robbed blind by the steady deterioration of the US economy and the US dollar.

I want to give my readers an answer to relieve the anxiety they faced from this awesome dollar problem that I don’t think is going to get solved.

I originally started this course just for my readers.  Tens of thousands enrolled and we have shared how to invest globally for deades.

Now due to the 2008 global economic crash, I am rewriting the entire course.  This
crash has changed everything and I would like to share how to profit in 2009 with you.

Everyone needs to know how to have multi currency diversification. But in case this course does not help you, we provide a 30 day “completely satisfied or your money back” guarantee that we have offered our hundreds of thousands of readers for more than 20 years.

Our Multi Currency Educational Service is normally a mere $249 for a very long and educational year!

Won’t you share this exciting world of wealth accumulation with us and our readers around the world?

Subscribe here or see below how to join us in Ecuador or North Carolina and receive this course FREE.

Gary Scott

P.S.   As previously mentioned, the portfolios we tracked in 2007 had the following results:

Portfolios             12 Month Rise
Swiss Samba           53.32%
Emerging Mkt        122.62%
Dollar Short             48.19%
Dollar Neutral          38.67%
Green                    266.30%

You can imagine performance like this attracted quite a bit of attention…and it did.

However these high returns were not the important benefit our readers gained.

MCI does not recommend nor manage portfolios.  We did not suggest that readers invest in these portfolios. We created and tracked them because they were educational.

The courses is designed so you can work with your own investment manager to create your own multi currency portfolio that suits your own special, individual needs.  The multi currency investment course is designed to help you learn how to manage your manager… nothing more.  Yet this is a lot because Jyske Bank can provide a stable and safe institution for those who wish to employ a multi currency strategy.

The course will help you guide  any investment adviser or investment manager who understands how to invest in more than one currency.

The course also helps you manage risk. The incredible portfolio performance above was achieved because the portfolios were leveraged using a tactic we call a multi currency sandwich. Investors borrow low and invest in yielding or growth portfolios. The portfolios used loans in Japanese yen and Swiss francs to magnify profits in good times.

Plus we learned how leverage pushes losses faster in bad times and that leverage can help recovery at the end of bad times as well.

Here is an interesting multi currency fact that provides us with a valuable investing idea.   In 2009 we are tracking three Jyske portfolios.

Low Risk Multi Currency Portfolio invests in:  Fixed Income 70%,  Equities 20%,  Alternatives 5%,  Cash 5%.

Medium Risk Multi Currency Portfolio invests in: Fixed Income, 40%,  Equities 50%,  Alternatives 5%, Cash 5%.

High Risk Multi Currency Portfolio invests in:  Fixed Income  10%, Equities 80%,  Alternatives 5%,  Cash 5%.

Our studies to date have shown that the low risk portfolio, with some leverage, can be safer and perform better than a non leveraged high risk portfolio.

MCI continually reviews these portfolios so we can earn real time from their performance.

Subscribe here or see below how to join us in Ecuador or North Carolina and receive this course FREE.

Here is what a few others from around the world have said about our services and reports on international investing.

“ Gary , I am a long time subscriber in various media, and while cleaning out my files today I found some old ‘Gary A. Scotts World Reports’. In particular, the April 1988 issue provided the info that made me over a million dollars. Just wanted to say a belated ‘thank you’ and please continue the excellent work. Warm regards,”
From an Unknown Reader

“Dear Gary, I would like to give thanks to you for introducing me to Jyske Bank two years ago.

“I have been a long-time client of Merrill Lynch, but am in the process of re-evaluating my relationship with the largest brokerage company in the world. My problem is that when I compare Merrill to Jyske, Jyske outshines Merrill (or other major U.S. brokerage firms) in most categories as follows:

“1) Even though Jyske is much smaller, it has a much more global perspective which is critical in an evermore global investment environment.

“2) In order to maximize their own individual revenue, the brokers at Merrill prefer to outsource the day-to-day management of their accounts to various fund managers and hence, ‘manage the managers’. In contrast, I can call my Account Manager at Jyske and he can discuss every aspect of my account in detail with me.

“3) I attribute this difference in #2 to the fact that Jyske’s employees are not compensation driven, but instead are focused on satisfying their customers. That is why Jyske’s clients stay with the Bank on average for 12 years, which is phenomenal by Wall Street standards.

“4) Jyske’s security is far more stringent than that of Merrill’s. In addition to the standard account code and password, to pass through Jyske’s security one has to enter a Key Card number and also a randomly-generated 4-digit number from said Key Card.

“5) Having an account offshore allows me to sleep better given the anxious times we live in. Since I report the existence of the account and pay all taxes due, I am fully compliant with the law. However, such an account gives me and my family a ‘financial life boat’ should events in our own country ever get out of hand.

“As Dorothy Parker once said, ‘You can lead a horse to water, but you can’t make them THINK’. Jyske is a thinking person’s bank. My only complaint is the time zone difference since I live in California . However, since I am an early riser and my Account Manager is very responsive to my emails, this problem is very small relative to the HUGE benefits.

“Again, many thanks for introducing me to Jyske Bank. Given the ‘dumbing down’ that occurs in the popular media today, your ezine and its recommendations are ever more important. Please continue your good work to enlighten your readership.  Warm regards,”
C.M. CALIFORNIA Businessman

“I was so overwhelmed with information I received I had to spend several days reading, sorting and filing it! I have decided to move my modest investment capital overseas.”
B.W. MONTREAL CANADA Professor

“Send me your report on safe banks lending at 7% for redeposit at 13% or more.” B.V. ADDIS ABADA ETHIOPIA Economic Commission United Nations

“A number of new and significant contacts were made. It would be extremely helpful if you could supply us with WORLD REPORTS.” I.M. TORONTO , CANADA Banker

“You are as good as your word which is rare these days. I look forward to attending one of your seminars.” C.K. GENEVA , SWITZERLAND Banker

“In spite of my marketing experience, your information really got me going!” M. C. LONDON, ENGLAND Marketing Consultant

“Thanks for the three reports. They are very interesting and should find many readers here in Japan .” M.A. Tokyo , JAPAN Computer Programmer

“I would like to say how much I enjoyed the information I received.” A.B. Providenciales TURKS & CAICOS Accountant

“First let me say how much we enjoyed the investment seminar.” W.J. SAUDI ARABIA Oil Engineer

“Once again thanks for all the great information.” G.K. PERTH , AUSTRALIA Insurance Executive

“Your letter of November 8th warned me to beware of the market just a week before the 120 point crash on November 15th!” T.G. N. CAROLINA Pilot”

Yet global economics 2008 have changed everything.   So I am now offering this course to a wider audience who have indicated their concern with the state of the US economy.

Before I make this offer to a wider audience however, I want to make a special December offer to you.

This course has been and is normally offered for $249.

To begin, I am reducing that price to $175…a savings of $74…yet there is much more because you can enjoy this course FREE.

You can enroll here…now and save $74

Here is how to receive this course FREE.

In 2009 I will work with Jyske Bank to conduct four  courses  about how to be a multi currency investor.

Two of these courses will be conducted in Ecuador

February 13 -15 and Nov. 6 to 8, 2009

The other two courses will  be conducted in North Carolina.

July 24-26 and  Oct. 9-11, 2009

Simply sign up for any of the four courses above and you receive the Multi Currency Course in 2009 FREE.

International Investing and Business Made EZ Part III


International investing and business have proven themselves over the past 40 years to be profitable. More important than the profits that have been made are the broadened horizons, fulfillment and fun! Yesterday’s message looked at one reason for this. Fun is healthy and healthy needs to spend less on pharmaceuticals and expensive medical treatment. The Western medical model has many flaws, and they are about to get worse. Take the US medical system…especially Medicare and Medicaid as an example. Alan Greenspan wrote in his book, “The Age of Turbulence” that his biggest concern is the retirement of the baby boomers and the impending fiscal problems caused by the draws on Social Security and Medicare. He considers it an urgent problem that needs to be addressed soon. He said in the TV show Meet the Press: “Social Security is not a big crisis. We’re approximately 2 percentage points of payroll short over the very long run. It’s a significant closing of the gap, but it’s doable, and doable in any number of ways. “Medicare is a wholly different issue because, remember, right now, with the current entitlement, we can afford Medicare. It’s easily refunded. We’re going to double the size of the retired population. And by all of the analysis I go through in the book, it’s very evident to me that we are not able to actually deliver on the Medicare we are promising, and I think that is marginally unethical to immoral because we are promising to people who have not yet retired a fairly significant Medicare package which, if they knew they weren’t going to fully get, they would take actions now—maybe retire later, do different things—and I think everybody has been avoiding this issue. “We avoided it in the Social Security Commission in 1983, and everyone’s done—been doing it since. Then it was more than 20 years before. We’re now right at the point where if we don’t act we’re going to be in very serious problem—trouble.” The demographics and math support Greenspan’s assumptions unless the prophesies written in the political satire written by Christopher Buckley “Boomsday” become true. The book looks at the point when boomers become eligible for Social Security — and are ready to demolish the federal budget. A prophetic heroine in her 20s starts a revolution by urging “Stop paying taxes and create financial incentives for boomers to commit suicide.” This is a tale slightly reminiscent of the truly terrible 1970’s movie “Soylent Green” with Charlton Heston, Vivian Leigh and Chuck Conners. This was a tale of Earth in despair in 2022. Natural food like fruits, vegetables, and meat among others are now extinct. Earth is overpopulated and New York City has 40 million starving, poverty stricken people. The only way they survive is with water rations and eating a mysterious food called Soylent. The greenhouse effect has risen the temperature into nearly unbearable regions, and the people are kept in the cities by law. The rich live in separated luxury apartments (with women as part of the rented furniture) but also experience the lack of natural food. Strawberries are at $150 for a glass of them. Elderly people are paid to commit suicide and a detective investigates the murder of the president of the Soylent company. The truth he uncovers is more disturbing than the Earth in turmoil when he learns the secret ingredient of Soylent Green….the elderly! The book may be satire….the film science fiction but how far off base are the numbers? At current inflationary rates by 2022 a glass of strawberries will not cost $150. Last year I wrote how a cream tea (albeit a very fine cream tea) at Bettys in Yorkshire was $20 per person. If food prices continue to grow at 5% per annum you can easily expect to pay $35 for a bowl of strawberries by 2022. The book and the movie are caricatures of what our future could bring. Yet caricatures are exaggerations that show a point. The point here is that the social economic mathematics of the current social – retirement – medical system do not work. We will need another way. One that makes sense to me is that older people continue to have international investments and business. I think this is better than a federal incentive to commit suicide! People will not retire as before…and this offers a triple benefit if what they are doing to earn money helps them stay healthier and enjoy life more because their service is their passion…exciting…fulfilling and fun. Until next message, I hope you feel and enjoy and feel a passion every day. Gary Learn International Business Made EZ on line Learn about our next International Investing and Business Course in North Carolina Ecuador Ecuador Import Export Course International Investing and Business Made EZ Ecuador