Tag Archive | "pensions"

The Happiness Advantage


The Happiness Advantage gives us time. 

This chart of the S&P 500 exemplifies an investment timing problem.

How many of us were able to time the market and exit before the 2000 or 2008 crash?

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It took eight years for the market to recover after 2000.  It took five years for the market to recover after 2008.

Pensions that held just the S&P 500 index took 14 years to get back to zero! 

In 2008, the S&P 500 had barely returned to zero from 2000 before it crashed again. Then it did not rise back to its level of 2000 until 2014.

What happens if a market correction erodes the value of your pension funds and it takes five, or eight or even 14 years to recover?

The problem with stock market assets is that very small, very specific periods of time in stock markets have very large influence on nominal returns.   The chart below shows that all of the extra profit potential of US stocks over US Treasury Bills in the 89 years reviewed was contained in just 44 months, 4%  of the entire time.   Are we smart enough to capture that 4% exactly?

The same is also true of losses. A majority of horrendous losses occur in tiny slips of time and if we do not spot them, it can take years to recover.

Keppler Asset Allocation

The New York Times article “To Dodge a Market Dip That Threatens Your Retirement” (1) points out the problem.

For older people invested in stocks, the performance of the market in the early years of your retirement can have a lasting effect on your portfolio, which will remain a dynamic entity for perhaps three more decades. If you have to start selling investments when they are worth less, you’ll have to to sell more shares to get the cash you need — and the repercussions build on themselves.

That can really start digging a hole in your portfolio that becomes harder to dig out of.  It is really the first 10 years of the market performance in retirement that are going to drive your outcome.”

While the S&P 500 lost 6.2 percent last year, the final three months of the year were especially volatile. It’s unclear where the market will go tomorrow, or the next decade.  The growth of your portfolio is largely determined by when you started investing and when you retire.

Let’s say a person saved 15 percent of her earnings — a flat salary that grew with inflation — during a 30-year career. If that person retired in 1982, she would have accumulated just over five times her final salary. If she retired in 2000, however, she would have amassed 17 times her salary.

The article does not point out a vital and dangerous fact…  that after retiring in 2000, the “17 times her salary” could have been just about cut in half in the 2000 market crash.

The problem is magnified as retirement comes near.  Instead of adding money to one’s portfolio, we’re spending it.  We can’t take advantage of the downturn and wait for the next big recovery.

The NYT article provides some simple strategies to try to reduce the effects of an ill-timed downturn.

Working longer or picking up a part-time job is one option.  Other steps include, better  portfolio diversification, lower cost investments and reduced spending.

Another approach is to reduce exposure to stocks and invest in bonds or get an annuity.

Another suggestion is to hold a cash reserve.  Keep enough to cover basic essentials in cash bearing instruments to cover an extended period so you don’t have to sell your investment portfolio until it has recovered.

The downside to investing in bonds, annuities or cash is that returns are diminished and purchasing power may fall due to inflation.

The NYT.com article points out that one approach to gain extra income is to delay taking Social Security as long as you reasonably can.

The article says: “The effective return of delaying Social Security is much higher than what you will earn in the market today,” said David Blanchett, head of retirement research for Morningstar. “It is like a 10 percent guaranteed return.”

Your benefits generally rise by 8 percent for each year you wait to collect the check beyond your “full retirement age” — that is, the age you’re eligible for a full benefit, which is currently 66 years and 2 months for people born in 1955.

Someone set to receive a full benefit of $1,413 monthly (the average benefit amount), who instead waited two more years, would receive roughly $1,640 — an amount that would rise with inflation.

Regretfully, Social Security is not as solid as it might seem because the System is not allowed to borrow money.  The only sources of funding are current Social Security taxes paid in and the Social Security Trust Fund.

When the Trust Fund runs dry, payments must be reduced to a level that can be sustained by Social Security tax receipts in any given year.

The Social Security Trust fund is projected to run dry in the 2030s.  At that time, payments are projected to be reduced by about 25 percent so Social Security payments will only be 75 percent of the benefits currently promised.

Medicare by the way is in worse shape and is forecast to be depleted in the 2020s.

Unfortunately all these projections are based on the idea that the assets in the Social Security Trust Fund are rock solid.

They are not.  The Trust Fund holds US government debt and Social Security checks could be jeopardized if the government reaches its debt ceiling and defaults on debt repayment.

This almost happened in 2011 when it was less than two days before the United States potentially defaulted on its financial obligations.  Had that happened, the Social Security system would not have been able to make full payments.

The current government shut down shows that Congress and the executive branch may not always be able to reach timely agreements and solutions.

Elements for a “Perfect Wave Economic Disaster” exist… an equity market at a mature – up-near-the-top,  high priced  point…  global tensions… a disturbed political system… low interest rates…  aging demographics…  pension funds almost everywhere under funded… excessive government debt… over priced US dollar.   These are so many economic dominoes in a likely position to fall and bring the equity market tumbling down.

There are only three real, dependable solutions to having enough, in retirement, if the market goes south.

#1: Have enough to ride through any storm.

#2: Have a way to keep earning.

#3: Spend less.

Our “Purposeful Investing Course” helps learn how to diversify, reduce costs of investment, increase safety and improve profits, but when markets of down everywhere… there is no solution to lowered prices, except time.

Our mantra…” Turn your Passion into Profit” is the most elegant solution because it helps you gain “the Happiness Advantage”.

For example, a research paper published in the “Proceedings of the National Academy of Sciences of the United States of America” (2)  show that reporting higher life satisfaction leads to earning significantly higher levels of income.

It’s generally assumed that greater wealth leads to happiness. Several studies have found that happiness only rises as income rises up until one gets about $75,000 a year — at which point happiness doesn’t improve as you earn more.

Other research shows that the opposite might be true: Happiness leads to greater wealth.  Several studies support this idea.

That research indicates that happiness and income are connected by a two-way relationship, and that human well-being can itself be a source of economic dynamism.

Why not boost happiness by doing what you love so you earn more and increase your satisfaction and fulfillment.

There are innumerable ways to be happy.  The alternatives are almost as rich as the population.  Your answer is unique and options almost unlimited once you get set on a path that generates enthusiasm in your heart.

There you have it… almost unlimited opportunity even in the most gloomy world.  We should all be happy about that.

Gary

One vehicle for happy earning is writing and self publishing. See below to learn more.

Live Well and Be Free – 5 Global Earning Experiences

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

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

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

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

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

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

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

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

Then we got together.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

gary-scott-international-business

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

Dozens-of-roses

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Take fishing, for example.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

International Business Made EZ contains all these secrets and more.

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

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

While Kelly, a business woman from Atlanta, explained:

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

Who is helped by International Business Made EZ?

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

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

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

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

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

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

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

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

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

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

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

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

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

Your Friend,

Gary Scott

Others who have used thus course wrote:

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

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

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

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

More Comments from Readers

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

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

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

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

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

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

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

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

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

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

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

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

You receive both the written course and the recorded weekend seminar, in an MP3 file, in the “Live Well and Free Anywhere” program I am making available to you.  The normal fee is $299 for each course (and $299 for the recorded workshop).   We’ll send both courses and the recorded Writer’s Camp to you by email for $299.  You save $598.

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

Does that sound fair enough?

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

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

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

David Cross

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

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

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

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

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

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

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

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

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

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

Fair enough?

There is still more.

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

Plus you get more in the program.

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

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

In addition you receive any updates we make on any of these courses reports or recordings, free for a year.  Businesses usually need to evolve.  Merri and I continue to publish and have our independent businesses.  Some basics have remained for decades, but new strategies occur all the time throughout the year.  We’ll be sending along updates that share our most recent experiences as we learn and continue to grow our international micro business from Smalltown USA.

Finally a conclusion.

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

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

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

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

 

(1) www.nytimes.com/2019/01/07/your-money/stock-market-retirement.html?emc=edit_th_190108&nl=todaysheadlines&nlid=483172790108

(2) www.pnas.org/content/109/49/19953

Pension’s Worst Nightmare is Here… Now


Five facts determine a pension’s fate.   How much the contributions.  How much the investment return.  How much the withdrawals and when will they be drawn.

We are living with a currency time bomb. We have 284 days, 17 hours and 11 minutes to go.

Disaster?

“How much will the currency, that a pension distributes, be worth?”  This is the fifth, most important fact.

Oops…  284 days, 17 hours and 10 minutes.

If a pension pays out a worthless currency… the pension is worthless, a broken promise and sham that leaves living a shadow of what it was meant to be.  Yet pensions are locked in to one currency… because this is what they have to pay.

30 more seconds are gone.   We’ll be down to 284 days, 17 hours and 5 minutes (or even less depending on when you began reading) when you stop 5 minutes from now.

Tick tock… the clock is ticking.   Politicians are working by this clock and the bomb will ruin many lives.

We can avoid the ruin if we act now.

The timer was really set 70 years ago.   After WWII there was huge population explosion… economic expansion and prosperity that left the Western population expecting more.  The winning political system… democracy, favored politicians who promised more and more… later and later.

Later is now.   The timer has just about run out for pensions.

284 days, 17 hours and 9 minutes.

1,825 days ago the big wave of boomer retirements began.

Pensions were in a terrible state.  The great recession had reduced jobs and encouraged early retirement.  Withdrawals in pensions rose.  Contributions shrank.  Investment returns were terrible, even negative.

This was a pensions worst nightmare, but a strong and rising US dollar gave pensions hope as it slowed inflation down.   Investment returns have in recent years risen.  In 2017 returns averaged 11% or so for most pensions.

This did not solve the problem of underfunded pensions. 

A Scremento Bee article “CalPERS beats earnings target for first time in three years” points out how serious pension underfunding is and why it’s not likely to get better.

The article says:  The California Public Employees’ Retirement System rode a strong year in the stock market and private equity investments to earn a return rate of 11.2 percent for the fiscal year that ended June 30, the pension fund announced Friday morning.

CalPERS, which manages about $323 billion in assets, now has about 68 percent of the funds it would need if it had to pay all of the benefits it owes to retirees and public workers.

Senate, Democrat Richard Pan of Sacramento, said he was “certainly happy to see the return for this year, but it’s not a year-to-year thing.”

“I don’t think anyone is saying ‘One year and we’re all set,’ ” he said. “It’s about the long term and we continue to take steps at the state government to be sure we keep our pension system sound.”

A number of negative forces in 2018 could destroy pensions as they push the purchasing power of the US dollar down.

First, pensions should expect a lowered return on investments in 2018.  The US stock market might not crash (or it may), but growth is highly likely to slow significantly.

Second, interest rates will be slow to rise.

Third 2017 tax reductions will pump money into the economy now.  That looks good, BUT… the tax cut will increase the already swollen US deficit and debt by trillions.  This will be offset by economic growth… maybe… later.

In the meantime the national debt, now around $20 trillion, will get larger.  The Congressional Budget Office projects debt rising to 86% of GDP in 2026 and to a whopping 110% in 2036, exceeding the historical peak of 106% after World War II.

This is only manageable if  US dollar interest rates remain low.  The CBO calculates that the yield on the 10-year note will rise to 4.1% by 2026 from its current 1.5%.  That rise can push the government’s annual interest payments from $223 billion to $839 billion.  Government predictions are that within ten years, the higher interest rates mean that all federal corporate income tax collections would only cover a bit more than half of the interest.

The Congressional Budget Office figures that every one percent of interest will raise interest payments $160 billion per year.

wall street journal

Fourth Debt Timing Problem

The timing of this growing US debt increase makes it a bigger problem.

Monday’s Wall Street Journal article “By Adding to the Debt, Tax Cuts Could Complicate Next Downturn” (2) points out the timing concern when it says:  In enacting a tax cut that is projected to raise annual federal-budget deficits to nearly $1 trillion in the coming years, Washington could be trading more growth now for the risk of more pain down the road.

The U.S. government has traditionally reduced interest rates, boosted spending or cut taxes when the economy contracts. Budget analysts warn that future policy makers would have less ammunition to take such actions during the next recession because tax changes are projected to push already-rising national debt levels even higher. That could make the next downturn more severe than it would otherwise be and put added pressure on the Federal Reserve to respond to future crises.

“While I’m always for reforming the tax code, the timing of this thing doesn’t make any sense,” said William Hoagland, a former budget adviser to Senate Republicans now at the Bipartisan Policy Center in Washington, referring to the tax cuts signed into law by President Donald Trump in December.  “If we do actually have a downturn in the economy, what are the levers available from the federal government’s perspective?”

The big question is, “Will corporate tax cuts trickle down?” If so “Will the trickle be fast enough.”

The fifth and worst problem for pensions, is that the current political process is weakening the US dollar between now and this autumn’s midterm elections on November 6, 2018.  284 days, 17 hours and 7 minutes until the elections.

The Wall Street Journal article “As ‘America First’ Trade Focus Returns, The Dollar Is Still Too Strong” (3) says

In order to fully close the U.S. trade gap, one estimate suggests the greenback would need to fall another 10%

The Trump administration is shifting its focus back to “America First” trade policies. That could put the spotlight back on the U.S. dollar, which economists say still is still too strong even after the currency notched its worst year in a decade.

Economists at the Institute of International Finance estimated on Monday that the greenback remains about 10% overvalued despite a year-long slide that has driven the currency down 7% against a basket of 16 currencies tracked by the Wall Street Journal.

All these pressures are pushing down on the US dollar and pensions that pay in US dollars.  This gives us time as private investors.

For years the market has been voting for the greenback.  Eventually the gravity of US debt will weigh in and the US dollar will fall.  This will not be a good thing for investors who are tied to the buck.

The purchasing power of the greenback and dollar based pensions will drop even more.

We, as investors, can take advantage of these facts by finding good value outside the US dollar.

The portfolio (called the Pifolio) we manage at at the online broker Motif.com has risen 32.4% (blue line) this last year. That’s better than the S&P 500 (green).

motif

This portfolio is composed entirely of Country ETFs that invest in the top value, non US dollar denominated markets defined by the Keppler Asset Management value analysis.

There are two important facts.  The first fact is that the value of these stock markets is twice that of the US market.  The MSCI US index is now selling at 3.29 rice to book value.  The top value markets are selling at less than half the price, at 1.58 times book.

keppler

The second important fact is the current fall of the US dollar.  In 2017, the Pifolio is up 32.4%, but only up 20.4% in local currencies and 15.1% in euro.   About half of the 2017 increase is due to the falling US dollar.  This gives room for these non US good value shares to rise much more.

The five forces listed above are at work… right now and the political process will attempt to magnify them until at least November.

Dollar linked pensions cannot take advantage of this fact.   They have to pay pensioners in US dollars… now.

Pensions that invest in other currencies but pay in dollars face forex risk… now, because they are seeing surging demands.

You and I, as private investors, can invest in good value, non dollar equities and wait, if we do not need the money right now.

 

The significance of the dollar’s fall is that the weakness is taking place while the US stock market is skyrocketing and U.S. companies are bringing home overseas profits.  These factors are creating a demand for the dollar.

The greenback should be rising instead of falling.

The Bretton Woods agreement that came into effect after WWII fixed exchange rates of most currencies in the world.  This agreement made the dollars as good as gold, but like pensions now, the agreement then was not sustainable.

The system dissolved in August 1971, U.S. President Richard Nixon “temporarily” suspended the dollar’s convertibility into gold. Attempts to revive the fixed rates failed, and by March 1973 the major currencies began to float against each other.

The chart below from macrotrends.net shows how the dollar versus other currencies has risen and fallen since.

Non dollar investments made during US dollars peaks have gained astounding extra profits over the past four decades.

We are in this position now, but the clock is ticking.

macroeconomics.com

The purchasing power of the dollar has fallen steadily.  What a dollar bought at the end of WWII typically costs near $20 now.  Regretfully dollar based pensions (and Social Security) are locked into paying out US dollars now.   It is much harder for them to take the forex risk of investing in non dollar assets.

Private investors do not have this pressure and can easily gain extra profit with Top Value country ETFs in non dollar equity markets.

For the next 284 days, 17 hours and 5 minutes, political forces will  strive for a weaker dollar that stimulates US exports.   This will temporarily make US jobs better, but those who are living on  pensions will see their purchasing power fall.

Time is running out and the time to protect against the dollar’s weakness is now.

Gary

The Huge 2019 Risk

Here is a huge risk that could explode in 2019.

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

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

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

Rising interest rates create a massive problem for every American.

US debt

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

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

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

The $5 Trillion Error.

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

How could the CBO be so wrong? 

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

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

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

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

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

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

Here is the very hard spot.  

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

What can we do?

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

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

#1:  Global micro business income.

#2:  Low cost, natural health.

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

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

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

Join us for all of 2019 NOW.

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

We start with better lower cost health care.

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

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

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

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

I have created three natural health reports are about:

#1: Nutrition

#2: Purification

#3: Exercise

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

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

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

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

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

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

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

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

There are seven layers of tactics in the Pi strategy.

Pi Tactic #1: Determine purpose and good value.

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

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

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

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

Pi Tactic  #6: Add spice speculating with leverage.

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

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

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return

#7:  Market history

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

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

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

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

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

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

Profit from the US dollar’s fall.

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

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

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

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

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

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

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

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

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

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

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

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

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

There is an incredible new economy that’s opening for those who know what to do.  There are great new opportunities and many of them offer enormous income potential but also work well in disaster scenarios.

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

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

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

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

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

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

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

Join the International Club and receive:

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

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

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

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

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

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

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

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

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

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

Gary 

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

 

(1) www.sacbee.com: CalPERS 11% return

(2) www.wsj.com: By adding to the debt tax cuts could complicate next downturn

(3) wsj.com: As America first trade focus returns the dollar is still too strong

(4) www.wsj.com: Dollar drops to lowest level since September

(5)  www.wsj.com: US dollar falls ahead of budget showdown

New Tax Law Benefit


Here’s some good news about the new tax law that took effect January 1, 2018.

One provision in this law allows sole proprietors, owners of limited partnerships, limited liability companies and other pass-through legal structures to deduct 20 percent of their revenue from their taxable income.

For many of us these pass through provisions will allow us to keep a lot more of our publishing earnings.

This tax benefit fits well with the way businesses have shifted their models from providing lifelong employment to temporary work.  The 20%  provision can increase the purchasing power of small business earnings.

This is a global economic shift, from lifetime to temporary employees, that makes it easier to live anywhere, but earn everywhere.  Businesses everywhere are shifting from hiring full time employees and using larger numbers of temporary and contingent employees.  Businesses are also keeping older employees who have chosen (for reasons of fulfillment or finance) to work beyond their early or normal retirement years, as temporary workers.

The new 20% saving also increases the benefits of rural living combined with global earning.

One way to gain from this change is embrace it, to cash in with your own pass-through business that combines publishing and a lifestyle farm.

Lifestyle farms offer a way to add supplemental income, reduce costs of living, increase one’s capital and improve quality of life.  One feature of temporary and contingent work is that a lot of it can be done, via computer from home.  It is possible to live on a lifestyle farm and earn income from from around the world providing online contingent work.

Hobby farming is not very profitable but hobby farms are.

The New York Times article “Retirees Hobby Farms” (1) explains:  Not surprisingly, demand for hobby farm properties is on the rise. “It’s a hot property class right now across the country,” said Michael F. Duffy, the president of United Country Real Estate, based in Kansas City, Mo. “It’s especially popular for people in the early- to mid-retirement range.”

Some lifestyle farmers generate a secondary income to supplement existing income or they save on their grocery bills by raising or growing their own food.  In addition growing value in the farm offers future lifestyle funding potential from capital gains through splitting the farm and downsizing or using reverse mortgages in later years.

Earning from contingent work while living on a lifestyle farm creates double opportunity and a third current benefit may be on the horizon as is explained in the Wall Street Journal article “The next American farm bust is upon us” (2).

wall street journal chart

The article shows this chart and says:

Across the heartland, a multiyear slump in prices for corn, wheat and other farm commodities brought on by a glut of grain world-wide is pushing many farmers further into debt.  Some are shutting down, raising concerns that the next few years could bring the biggest wave of farm closures since the 1980s.

For some, the slump is an opportunity.  Farmers with low debts and enough scale to profit from last year’s record harvests could be in a position to rent or buy up land from struggling neighbors.

This trend makes it easier to buy a farm for less and its time to begin cashing in on this distortion, if a lifestyle farm appeals to you.

Good Time to Act

My report “Live Anywhere – Earn Everywhere” is described below because it describes a step by step process that requires minimal investment to acquire lifestyle properties with multiple streams of income.

Don’t delay.  This is a good time to begin the process.  Human nature tends to prioritize the present over the future.   This is dangerous in an era in which Social Security is underfunded and old-fashioned pension plans are falling by the wayside.  We are increasingly responsible for creating our own good health and retirement security and the quality of our future lifestyle.

Our time, resources and attention are limited, so the tendency is to spend on consumption now instead of saving for retirement or investing in lifestyle progress.  Pressing events get most of our attention and effort.

Here are three simple steps that overcome our natural tendency to be entrapped in the here and now.

First, create a picture of who you want your purpose and future to be.  Examine it for truth.   Be sure this is what you really want, not what others have convinced you should be.

Then break this purpose into small steps, like making a picture into a puzzle that can be pieced together.  Each piece should be a workable short term goal.

Finally, monitor your progress.  Step back regularly, look at the big picture and the pieces of the puzzle you have fit together.  This is the business evolutionary cycle.

Think about what you really, I mean really want to do.   Our mantra for over 30 years has been to turn your passion into profit.   Examine… what is your passion, your purpose, not what type of type of business will make money.  Then figure out how to earn in the process and make your life and business more fulfilling and usually more profitable as well.  Good luck in your quest.  Look for your passion first… the money will follow.

That money, due to the new tax law can now be worth 20% more.

Gary

Be Richer Than a Billionaire… with Small Steps

Use Small Steps to Create Your Success

Consider this.

During the last recession, a German billionaire quietly put on his coat, told his wife “I have to go to the office for a while”, and drove to a railway embankment near his home, where he lay on the frozen tracks and waited patiently for a train to crush him to death.

This man was ranked as one of the 100 richest men in the world. His personal fortune had passed $10 billion.  But even though he was worth billions, the global recession left him feeling out of control.

A Telegraph article on why he committed suicide (1) said:   He did not need the money.  He lived so modestly that he cycled to work on a 15-year-old bike for most of the year, and in bad weather he drove a four-year-old VW Golf.  He had no bodyguards or servants, lived in an unimposing chalet-style house in the small town of Blaubeuren, his home for the past 60 years, without so much as a CCTV camera for protection, and stopped off at his local pub on his way home each night to share a drink with the regulars.

The blame for his demise was placed on loss of control. “His companies were his life.  He was going to lose control of them and felt he would lose control of his life” a friend said.

His  family said the “powerlessness of not being able to do anything” had been the key to his suicide.

Most of us can’t imagine becoming billionaires, but we can imagine losing control.  

The world is changing at an increasingly frightening pace.  How can we keep up? 

We don’t have the background to build huge businesses.  We don’t have enough capital to start a business.  We don’t have enough time to begin again either.  Yet the relentless transformation of just about everything can make us feel powerless.

Well here’s some good news…

We all have the power to be free, have purpose and have a sense of control.  In fact that power is more than a sense of control.  We have the actual power to take control of our lives.

We can start taking that power right now…

All we need is one small win.  The power of a small win is that it makes it easier to have the next small win.  Successes do not have to be big deals.  The smallest of  wins help us feel better and to lead us to greater success!

This is why I want to introduce you to our special course “Self Fulfilled – How to be a Self Publisher”.

You have something of value.  You might not even know it.

I want to help you find and sell it…

That sale will be your first small win and believe me your first small win can lead to something big… really huge…. again and again.

I know because I have used the technique I want to share with you for almost 50 years…

My wife Merri and I are entering our fifth decade of writing and self publishing.  Though we are financially secure without a penny of debt, we keep working because we love what we do.

You regain and retain control of your life when you learn to write to sell  for profit and passion.

This is why we have recorded our “Self Publishing Writer’s Camp” to help you get started in a micro self publishing business that starts small and maybe like our business stays small, tightly focused, but highly profitable, in fun and highly fulfilling ways.

We love writing and self publishing so much that years ago we offered to conduct a weekend “Writer’s Camp” seminar.  We offered the camp for $1,500.  80 delegates enrolled.  People from all walks of life attended—chiropractors, businessmen, investors, doctors, realtors, inventors, airline pilots, engineers, and housewives.

Now you can enjoy that same $1,500 course online for only $79.

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

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

Here are  few stories of how those who attended our Writer’s Camps have used what they learned to take small steps that led to greater control, increased success and incredible fulfillment in their lives.

Barry Weinhold sent this note: We were successful authors before attending the Writer’s Camp, with our first book published in 1989 selling over 200,000 print copies. With the tips from your course last fall, we have published six new ebooks in Kindle format that are now available  at Amazon.com.

Thanks for helping us get the word out about Barry’s 2-part Breaking Family Patterns series. Janae has also released her 3-part Con Job series.

weinhold book

We’ve co-authored “How To Break Free of the Drama Triangle and Victim Consciousness.”

weinhold book

Our monthly royalty checks are now coming in and we are very pleased with the response to our new books (656 books sold and 1295 free downloads in seven months). We have six more new ebooks in the pipeline for publication.  Our goal is to publish twelve new ebooks by our one-year course anniversary. We couldn’t have published this quickly without the great support we received from your Writer’s Camp. We highly recommend it to anybody seeking the fast track to becoming independent self-publisher.

Self Publishers can also write in more than one niches.

Nickolette Goff writes non fiction in two niches.  After attending a Writer’s Camp Nicki used what she had learned to help promote her first book… a Quinoa recipe cookbook with 13 recipes.  She had 10,000 downloads of the book in five days and obtained dozens of good reviews!

You can get 13 more great quinoa recipes in Nicki Goff’s book at the links below.

quinoa-book

You can order Nicki’s first book at Amazon.com.

She wrote:  Hi, Gary,  Book sales are actually going well, and I’m having a lot of fun with this. I’m so grateful to you and Merri  for pushing me to get some action going!

The free promos really get things going, and seem to reignite sales.

Two more in the works – both on gardening topics.  Best wishes for 2013 to you and Merri.   Love, Nicki

What a joy seeing how helping and connecting people helps self publishers create their own special success.  How beautiful to see friends turn their passions into profit!

Nicki learned at the camp that getting these downloads is step three in a seven step process. We (and others) have been helping Nicki and our delegates walk through these steps so they can earn income through writing and publishing again and again.

Nicki is now well on her way to wonderful self publishing success.   She just completed her fourth book in a totally different genre gardening. This book is “Under Cover Gardening”.

She used the three day free Kindle marketing program again. Read about Nicki’s new book here.

kindle book

Nicki wrote:  Gary: My book was downloaded exactly 6000 times during the 3 days, and is selling around 5 per day right now.  I’m very pleased with the results – three 5* reviews so far.  Nicki

Chances are that most books you write will not be a best seller.  However Nicki’s books show the process that you use to create a steady income as you build inventory.   She is publishing numerous books in each of the genres she loves.  This creates extra income and added inventory if one of your books becomes a big success.

Let’s look at Nicki’s example again to see these benefits. Imagine this. Nicki writes a half dozen books, three on organic gardening and three on quinoa.

Then imagine that Oprah is interested in quinoa, reads Nicki’s book and has her on the show.  Nicki’s quinoa book sales will go bananas.  So too will all her other quinoa books.   Add further to this example and say that the national psyche just happens to be focused on better nutrition when this all happens.  If so, Nicki’s organic gardening book sales will skyrocket as well.

To sum this up… at the camp you’ll learn the importance of writing a lot for your niche.   The increased number of publications will allow you to keep your price low, but generate income that keeps you writing as you build inventory so any bigger success can grow in exponential bonds.

You can also self publish at any age.  A number of our friends who have used our writers course to self publish are in their 70s and 80s.  Yet college students have self published as well.

The father of the family of four wrote:  Hi Gary and Merri:  Just thought y’all would like to know that today Doss published his first book.  It is called College Confidential and it is currently listed at number 42 on amazon. com.  He would not have done it but for our experience this summer at your Writer’s Camp.

So, here is thanking you both very much.

Bill Winter

This book is written by a student, for students, College Confidential: An Insider’s Guide to Success written by Doss Winter is filled with practical tips and insider information addressing everything from Academics to getting your Zzzzs.

dos winter

Dos Winter

Order College Confidential at Amazon.com here.

Here are a few more examples of how others used the information from our workshop?

A long time friend, who had just retired from a 30 year career in the oil industry joined our program.  His passion was to learn more about health and looking at the deep, more spiritual aspects of life since he had ended a financially successful career. He has gone on to publishing the leading healthy living magazine where he lives.

Not only was he able to publish 20,000 copies of a 48-64 page magazine on healthy living every month, he was able to meet and work with leading health and spiritual leaders like Deepak Chopra, Dr. Wayne Dwyer and even the Dali Lama. What a thrill.

Michelle Toole, an at home mother, made a fateful decision… to attend our self publishing course.

Michelle was disabled when she took the “Self Fulfilled – How to be a Self Publisher” camp.

She took what she learned from our publishing courses and created her own successful global micro website.

Michelle wrote:  “I have some great news, my web site  http://healthy-holistic-living.com is now getting on average 2,000 visitors a day! Yup my little one man show web site now gets close to 60,000 visitors each month!  The power of the internet is amazing as well as the opportunities.  We have said it before but it deserves saying again the internet is truly the great equalizer.

“My web site is at a point now that it is growing without much effort and produces a nice passive income allowing me to continue working on my second site http://home-remedies-and-natural-cures.com and to get my third site up and running.  I am also working on various joint ventures with other web sites focusing on helping others start their own web business. I am doing monthly webinars helping disabled individuals start their own business on the Internet and will be starting a coaching club in the new year.  The opportunities are only limited by one’s imagination.

“Again I can not thank you and Merri enough, I look forward to many great adventures and new experiences in the coming years!”

Another successful self publisher who attended our workshop wrote :

“MY HEAD IS STILL SPINNING from all of the valuable input I received. Out in the boonies, 2 + hours from the airport in Charlotte , North Carolina it was not your typical setting for a business seminar.

“It was presented by a fascinating guy with an interesting career history. Gary Scott and his wife, Merri, split their time between their idyllic farm in North Carolina and their property in the mountains of Ecuador . I first heard about Gary through my interest in Ecuador .

“By his own admission, Gary is often ‘a bit ahead of the curve’ which is part of what makes his material interesting. You sense the authenticity of what he is saying but it has not caught on in the mainstream media or pop-culture.

“The input is that is already affecting my life was not just from the instructor, but from other participants. The small group, less than twenty, seemed to be intimately bonded as soon as the seminar started. People from all walks of life and all parts of the country gained insights from the information that was geared to create a ‘life of your choosing more so than just a successful business. A very simple but powerful concept. Why do we want the money in the first place?

“The lifestyle aspect of the course was taught by example. We, as a group, were temporarily inserted directly into the lifestyle led by Gary and Merri. No better way to learn than by doing.

“The course content suited my needs very nicely. It addressed issues pertinent to FilmTrips and my marketing company, MJ Media. New life has been injected into several FilmTrips projects that had been languishing on a back burner for quite some time. Gary talks about being open to ‘connect the dots’ and take advantage of distortions or discrepancies between economies and countries. I am in a very good position to do that. Telephone and Internet technology has certainly arrived to help make it happen. I will keep you posted!”

Delegates from our last camp wrote:

My daughter and I had a fantastic time at the Writer’s Camp this past weekend.  We both felt we gained a tremendous amount of knowledge on “how to make money with our writing skills”!  Thank you.
 
Yours and Merri’s expertise on transmitting knowledge to others is phenomenal.  The warm, personal feel of being with you both along with the great people in the class was great!
 
Thank you again for all the added information gained in all areas of life and what I consider gourmet meals served to us all.
 
Donna/Jeanna

Another wrote: Have just returned from the writing seminar conducted at your farm in Ashe County, North Carolina, I thought I’d give you my take on what I experienced. To suggest that the location, hosts, seminar content, and accommodations were adequate would be an understatement.

The seminar itself opened a whole new world that I hope to explore in the coming months. I drove away from your farm with a well inflated right rear tire and a wealth of information that could catapult me into a whole new profession should I opt to go that route. I still have a number of professional business ideas that I intend to pursue, however, the concepts and ideas conveyed in your seminar will serve to enhance whatever I undertake going forward.

But if there was one underlying common denominator that I recognized, it was the fact that you are both so well qualified to present in this field of communication. Probably my most prolific observation was how well read and knowledgeable you are. The breadth and depth of knowledge on so many diverse yet associated subjects kept my unswerving attention. It also opened my mind to a variety of fields that, heretofore, I would not have considered relevant to my interests. And as a presenter, Gary is prolific. I drove away knowing that not only did the seminar give me my money’s worth but I was introduced to some very valuable contacts.

The bottom line is your seminar was both eye opening and entertaining. I came, I saw, I learned, and I even ate healthy. Thanks for everything. John

The son of a father son team sent this note:

Hi Merri!  I just attended your writers camp with my dad this past weekend.  I didn’t get to express how much I appreciated all that you and Gary did for us this weekend because we were in a hurry to get to the airport.  Letting us stay in your cottage and having us for your writers camp was an experience that I will remember for the rest of my life! Gary and Merri’s stories of adventure, success, your lessons, and advice are truly priceless!!

This camp has inspired me. Writing has always come naturally for me but I never was able to view it as a business opportunity.

This camp has shown me not only that writing can be profitable, but HOW to make it profitable! Thank you so much for sharing your wisdom with me. In my lifetime, I could only hope to see the success that you and Gary have achieved.

I not have only signed up for your newsletter, but I can’t stop spreading the word to my friends about my experience. Thanks again for your amazing hospitality,  Mitchell

If you accept our invitation, the workshop hammers, even bombards you with the absolute, vital importance of starting small.  We live in the era of epublishing that makes small “big”.  This plays perfectly into the hands of small businesses and copywriters as we just happened to have a perfect advantage right now in the marketplace.

Now let’s get to the important stuff.  Our life is less stressed because Self Publishing can be a low stress business… no commuting… choose your own hours… immersed in your passions with like minded souls. Work at home. How refreshing!

gary-scott-image

Here I am at our Florida home… at work?

gary scott

Here I am at work in the Blue Ridge.  Better than a cubicle for sure!

You can have fun every day doing what you love as you accomplish goals that are important… to you… and are a service to your community.

Merri and I, for example, love helping people get jobs.  So we used self publishing to create a foundation (Land of the Sun Foundation) to help the indigenous learn how to get work.  The foundation has donated nearly a million dollars in Ecuador to create jobs.

What do you love? Why not make the kinds of money I’ve just mentioned publishing your passion and do something good for the world at the same time?

Your passion and self publishing create…magic, wealth, happiness.

Three other things you gain.

#1: Respect. If you are not a recluse like Merri and me, you’ll find yourself the center of attention at social events and with your friends and in business because publishing is highly respected.

#2: Power. Everyone wants publishers to distribute good information about them. And everyone fears publishers a bit. The pen IS mightier than the sword!

#3: Protection. Writers are protected by the 1st Amendment of the U.S. Constitution. You do not need a license to publish. There is no government watchdog nor do you have bureaucratic red tape involved in publishing. Publishers enjoy almost more freedom than any other occupation because of the Freedom of the Press. This is so powerful because the first amendment is actually a part of the Bill of Rights. Just in case you missed this in school (as most students did including me) here are the exact words of this amendment:  “Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or abridging the freedom of speech, or of the press; or the right of the people peaceably to assemble, and to petition the Government for a redress of grievances.”

You become the press and you are set free. You cannot get more protection than that.

The recorded workshops shows how self publishing can fulfill your material needs.

You can enjoy this wonderful lifestyle whether you are married or single, rich or poor, in good or bad health, educated or not. Self publishing works for travelers and those who want to just stay at home.

This workshop helps anyone who wants to write or publish or both.   See how published products can include compilations, catalogues, CDS, interviews. Plus look at how to develop treks, tours, visits, products and services.

You’ll see how one delegate who attended the workshop used her publication to sell real estate.

This course is for individuals and couples.  We include those who want their own publishing system together as a family business.

This workshop is not theory.  Merri and I share our real time experiences.  We start at the beginning over 40 years ago but mainly look at how we earn hundreds of thousands and even millions a year in our exciting lifestyle… right now.

Whether you are self employed, retired,  a professional or are employed, this course is for you if you want to add extra income or who want to change their life entirely.  Previous course delegates have included investors, chiropractors, doctors, dentists, lawyers, architects, other professionals and those who already own their own business and of course retirees.

Self publishing is now easier to start than ever before because of online publishing.

Which would you rather have… 6% of $10 or 70% of $3?

The math to this question brings an obvious answer and creates opportunity for those who want a writer’s life.

Starting with online books allows you to lower price…  increase volume and cut out a publisher, distributor and book store who normally absorb up to 88% of the income created by a book.

You can start self publishing using Amazon.com with no printing costs, no shelf space, no inventory, no postal delivery.  Most of the publishing expenses are eliminated.

The writer keeps 70%.

Amazon keeps 30%.

A typical writer earning 12% of the wholesale book sales makes about $.60 per $9.99 book sale.  An Amazon.com writer makes $2.10 on a $3 sale.

Buyers of books fall into niches.  Choosing the correct niche is a first step in the elusive process of capturing the national psyche.  When you tap into this phenomenon, you can earn millions just from online sales.   I know. This process has netted an extra $2,072,614.89 for my business in the past several years.

Technology especially favors small publishers today. Portable computers, the internet, wireless access, on demand printing smart phones and electronic readers all create enormous new potential for small publishers.

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

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

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

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

David Cross

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

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

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

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

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

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

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

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

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

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

Plus you get more in the program.

You receive the Report, “How to Finance a Micro Business” at no extra fee.

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

One of the biggest reasons readers do not get started being their own boss, gaining a second income and taking a first step towards greater freedom, is they can’t find the funds to get of the ground.  This is so important and I am so dedicated to gaining  more independence  that I’ll send this report to you free even if you do not order our Self Fulfilled course at this time.   See the link below for the free report  “How to Raise Start Up Money” free and without obligation.

My special offer to you is that you receive:

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

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

Don’t miss this opportunity.  Sign up with this special offer.   We’ll send the full original of the course “Self Fulfilled – How to Publish to Sell” (101) and additional updated lessons for $299.

Our Guarantee

If you are not fully satisfied, you can cancel the course any time in the first 60 days for a full refund of all unfilled lessons, and there will be no additional fee.  No quarterly renewal fee will be charged if you cancel.

Why the Update Lessons?

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

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

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

Our Guarantee

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

Take control of your life now with this first small step

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

Gary

(1) www.nytimes.com:  Retirees hobby farms

(2) www.wsj.com: The next American farm bust is upon us

 

Shift How You Earn in 2018


Let’s start 2018 right by looking at how to create new, exciting income and lifestyle opportunities.   Those who embrace these ideas can have a better life.

Merri and I have been using these ideas to adapt for 20 years.

ginseng

See how our North Carolina ginseng patch is cashing in on a new earning trend.

Cradle to grave lifetime careers are going… going… almost gone.   The old way was… get in at the ground floor… work up the ladder…  get better pay, good health benefits and a solid pension upon retirement.  This is no longer a model we can depend on.

 The new format is more like “jumping from place to place-the heck with the ladder”.   Businesses around the world do not want the overheads of large staffs.   They hire temps, contractors and contingency workers instead.   A Forbes magazine article “Contractors And Temps Were 100% Of Job Growth In US” (1) says it all.  Another Forbes article shows that 40% of workers now have contingent jobs.  The idea of working a lifetime with one company is practically gone.  Jobs with guaranteed pensions are increasingly rare.

The Wall Street Journal article “Contract Workforce Outpaces Growth in Silicon-Valley Style ‘Gig’ Jobs” (2) shows what this means to the economy and new ways we earn and look after our health and future.

The article begins by saying: New research shows labor shift, affects health care, education and other industries that have traditionally offered stable employment.

The idea that employers will take care of us, income, health or retirement wise,  beyond their immediate needs is all but defunct.

This trend is not likely to reverse.

A way to benefit from this change is to do what you love in the new way.

For example, Merri and I love growing crops and we gradually developed two agricultural properties.

This has really paid off according to the New York Times article “Goats, Alpacas and (of Course) a Hen: Life on a Hobby Farm” (3).  Hobby, or lifestyle, farms have been sprouting up across the country in steady numbers.  They have been particularly popular among retirees or people close to retiring who are looking to remain productive as they age while fulfilling lifelong passions or just tackling new endeavors.

The article highlights one couple, both 70, who raise alpacas on the six-and-a-half-acre farm they bought in preparation for retirement about 16 years.

The article says: They sometimes earn a small profit — though they mostly just break even — by selling some of their herd, along with the soft alpaca fleece and fleece products that Ms. Conn learned to knit and crochet. “I’m not in it to make money,” she explained. “I’m in it because I like the lifestyle.  It’s a fun lifestyle.”

The key to this growing demand is that people want to stay active and do something meaningful As we live and remain active into the 80s and 90s, we have time to pursue our desires.

Though this type of farming is not highly profitable, the farms are.

The article explains:  Not surprisingly, demand for hobby farm properties is on the rise. “It’s a hot property class right now across the country,” said Michael F. Duffy, the president of United Country Real Estate, based in Kansas City, Mo. “It’s especially popular for people in the early- to mid-retirement range.”

Some lifestyle farmers generate a secondary income to supplement existing income or they save on their grocery bills by raising or growing their own food.

The bigger profits come from the growing value of the farm itself. 

We can all enjoy life more, earn enough income to pay bills and protect against pension loss through capital gains.   Look for this type of opportunity because the temporary worker trend not only reduces pension opportunities, but makes it less likely that existing pensions will survive.

The world is changing as never before.  The shifts will hurt many people, but not those who learn how to adapt to and benefit from the opportunities created by the contrasts, distortions and trends created by the change.

Gary

Earn & Do Good

Live anywhere.  Earn everywhere. Make a difference.

Here’s an old idea that offers profits in a new and different way.   This is an idea that’s good for a community you choose as well as those involved… and it can generate $11,835 a month of profit… or maybe even more.

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

Learn how to earn high income in your own back yard.   Choose where you want that back yard to be.

You can create a lifestyle that you previously could only dream.

Gain 7 powerful benefits when you choose to become involved:

Benefit #1: Freedom.   You set your own hours.  You work when you want to, not  when you are told.   Working at home eliminates a commute unless you count the 8 seconds it takes to walk from the bedroom to your office.   You can even work in your pajamas.  One magazine publisher who helped develop this program says that this is one of his favorite benefits.  You don’t have to ask permission to take time off to attend your children’s sporting events, concerts, plays or any other event.  You have greater control over your earnings and your destiny.  If you want to earn more, give yourself a raise by increasing your revenue.  When you work hard, you are working hard for your benefit and wealth not someone else’s.  Being able to fit your business to circumstances can sometimes be the most important benefit of all.  A small niche publisher had just started their magazine when their daughter was diagnosed with bone cancer.   During their daughter’s hospitalization they were able to be there 24/7… yet continue to build the business. That publisher told me… “This is one of the BEST reasons for owning this type of business, the freedom to work from the hospital room on your laptop and be there when your child needs you the most”.

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

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

#3:  Prestige (Near Celebrity Status).  One writer who uses this system said: We get invited to everything because people want our magazine to review their events.  Additionally, we are very well known around town.  You have PRESS Credentials.  Some big venues (like NASCAR) require official credentials which you can get by calling the press office.  Other smaller venues you can create your own “PRESS” badge and it usually gets you “behind the scenes” access.  Not to mention, everyone wants to talk to the press so they can end up in the magazine.

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

#4:  Service  to the Community.   You can even be philanthropic.  One of the magazines using this system chose two non-profit organizations to support.  One of the things non-profits need is press coverage and advertising.   They give about $10,000 worth of advertising a year to their non-profits and various other groups to help them get the exposure they need.  The reader told us that he gets raves about how his magazine and the content they publish really shines a positive light on the community.  He wrote: We give a voice organizations that normally wouldn’t have one.  We raise awareness to programs being hosted by the myriad of organizations here in town that most people would normally never hear of.  

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

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

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

This type of special benefit may not happen everyday, but once in a lifetime is good enough.

#5:  You are in the know.  One publisher said: Because we are part of the press, we get a tremendous amount of Press Releases e-mailed to us on a daily basis.  We are usually the first to know about something new going on in town.  If we aren’t the first, we are always included.  And, as part of the research we do for articles, we tend to uncover information people don’t know or have forgotten about.   You can have big-picture perspective without going broke.

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

#7: Tremendous tax benefits.  Many after tax expenditures become tax deductible business expenses. Sometimes you can eliminate federal and state tax altogether.

Why does small niche publishing offers such great potential.

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

sam buffet

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

sam buffet

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

Sam Buffet and Warren Walton!  What a combination.

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

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

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

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

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

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

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

Cherished Belief #2:  Community Orientation.

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

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

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

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

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

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

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

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

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

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

Cherished Belief #3:  Seek Good Value.

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

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

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

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

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

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

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

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

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

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

So half of Buffet’s value equation was there.

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

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

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

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

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

Merri

Merri with the artist the late Robert Rauschenberg

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

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

Of course, there is capital gain potential as well.

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

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

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

That was a really healthy capital gain.

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

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

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

What are the odds of getting this rich?

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

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

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

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

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

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

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

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

Time and Place

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

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

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

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

asheboro

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

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

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

snap magazine

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

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

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

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

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

snap

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

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

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

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

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

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

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

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

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

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

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

mysanford magazine

Benny & Perla Crosby from an issue of Mysandfordmagazine.

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

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

mysanford magazine

Read MYSANFORDMAGAZINE below.

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

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

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

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

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

You can publish about almost anything that interests you.

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

snap mag

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Another made millions with one simple legal idea.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Who is This Course For?

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

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

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

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

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

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

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

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

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

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

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

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

Then look at this no risk guaranteed offer.

Our Guarantee

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

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

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

Gary

Learn more about small area magazines.

(1) Asheboro Magazine

snap magazine

(2) Cuenca Expats Magazine

cuenca mag

(3)  The Sentinella Magazine

snap

(4) Perla Crosby publishes MySanford magazine

mysanford magazine

 

(1) www.forbes.com/sites/timworstall/2016/03/31/contractors-and-temps-were-100-of-job-growth-in-us-and-thats-a-good-thing/#16e81c411b24

(2) www.wsj.com/articles/contract-workforce-outpaces-growth-in-silicon-valley-style-gig-jobs-1458948608

(3) www.nytimes.com/2017/02/11/business/retirees-hobby-farms.html?emc=edit_th_20170212&nl=todaysheadlines&nlid=48317279&_r=0

 

 

Income & Pension Shifts Part II – Triple Distortions


Income and savings  work hand in hand together.  How we earn affects how we save.  How businesses hire workers affect how pensions pay.  Economic shifts from lifelong to temporary employees affects how we earn and how Social Security will pay.

social security

Image from Washington Post article: “The real reason so many millennials are living at home.” (1).

Part one of this report “Income & Pensions Shifts”  looked at opportunities created by a global economic shift from lifetime to temporary employees.  Businesses are shifting from hiring full time employees and using larger numbers of temporary and contingent employees.  Businesses are also keeping older employees who have chosen (for reasons of fulfillment or finance) to work beyond their early or normal retirement years.

These changes create an earnings gap for younger generations.  The young work forces are more dependent on short-term contracts.   They earn less and and do not receive health or pension benefits.  This makes it harder for the temporary workers to save and this means that less is paid into Social Security and pension contributions.

Most pensions, especially Social Security, are Ponzi schemes that rely on new contributions to fund current distributions.   Lowered contributions from the growing younger workforce makes it harder for pensions (especially those like Social Security) to keep their promise of maintaining purchasing power.

The US Department of Labor sums up the problem in a report “Contingent Workers – General Observations”  (2)  that says:  “Unfortunately, current tax, labor and employment law gives employers and employees incentives to create contingent relationships not for the sake of flexibility or efficiency but in order to evade their legal obligations.  The employer will not have to make contributions to Social Security, unemployment insurance, workers’ compensation, and health insurance, will save the administrative expense of withholding, and will be relieved of responsibility to the worker under labor and employment laws.  Many low-wage workers have no practical choice in the matter. The federal government loses billions of dollars to underpayment of taxes by workers misclassified as independent contractors.  A 1989 GAO study found that 38 percent of the employers examined misclassified employees as independent contractors.”

This trend lowers contributions to Social Security.  Yet rising benefits are still promised.  An article from Time.com explains how if the current Social Security System remained as is, younger workers would expect to contribute $400,000 and receive $2 million in benefits.

The chart below shows the rising benefit gap.

social security

The Time article says: “We know the system is not sustainable as it is now,” he says. “For millennials, the problem is that the longer we delay [needed changes], the more we put the burden on younger and future generations.”

What to Do

One way to gain from this change is embrace the change.  One approach is to cash in on temp work.

This chart from Career Builders website (3)  (click to enlarge) shows areas where there is growing opportunity for temporary work.  The best pay (in order) is for software developers, then registered nurses and then human resource specialists.

career builder

Gain from triple distortions that create greater opportunity.

Here is a triple distortion created by the trends of increased longevity, more temporary employment and rising costs of life .

Part One of this report looked at how lifestyle farms were growing in popularity.

Lifestyle farms offer a way to add supplemental income, reduce costs of living, increase one’s capital and improve quality of life.  One feature of temporary and contingent work is that a lot of it can be done, via computer from home.  It is possible to live on a lifestyle farm and earn income from online contingent work.

Hobby farming is not very profitable but hobby farms are.

The New York Times article “Retirees Hobby Farms” (4) explains:  Not surprisingly, demand for hobby farm properties is on the rise. “It’s a hot property class right now across the country,” said Michael F. Duffy, the president of United Country Real Estate, based in Kansas City, Mo. “It’s especially popular for people in the early- to mid-retirement range.”

Some lifestyle farmers generate a secondary income to supplement existing income or they save on their grocery bills by raising or growing their own food.  In addition growing value in the farm offers future lifestyle funding potential from capital gains through splitting the farm and downsizing or using reverse mortgages in later years.

Earning from contingent work while living on a lifestyle farm creates double opportunity and a third current benefit may be on the horizon as is explained in the Wall Street Journal article “The next American farm bust is upon us” (5).

wall street journal chart

The article shows this chart and says:

Across the heartland, a multiyear slump in prices for corn, wheat and other farm commodities brought on by a glut of grain world-wide is pushing many farmers further into debt.  Some are shutting down, raising concerns that the next few years could bring the biggest wave of farm closures since the 1980s.

For some, the slump is an opportunity.  Farmers with low debts and enough scale to profit from last year’s record harvests could be in a position to rent or buy up land from struggling neighbors.

This economic downturn could make it easier to buy a farm for less so now is the time to begin cashing in on this distortion, if a lifestyle farm appeals to you.

Good Time to Act

My report “Live Anywhere – Earn Everywhere” is described below because it describes a step by step process that requires minimal investment to acquire lifestyle properties with multiple streams of income.

Don’t delay.  This is a good time to begin the process.  Human nature tends to prioritize the present over the future.   This is dangerous in an era in which Social Security is underfunded and old-fashioned pension plans are falling by the wayside.  We are increasingly responsible for creating our own good health and retirement security and the quality of our future lifestyle.

Our time, resources and attention are limited, so the tendency is to spend on consumption now instead of saving for retirement or investing in lifestyle progress.  Pressing events get most of our attention and effort.

Here are three simple steps that overcome our natural tendency to be entrapped in the here and now.

First, create a picture of who you want your purpose and future to be.  Examine it for truth.   Be sure this is what you really want, not what others have convinced you should be.

Then break this purpose into small steps, like making a picture into a puzzle that can be pieced together.  Each piece should be a workable short term goal.

Finally, monitor your progress.  Step back regularly, look at the big picture and the pieces of the puzzle you have fit together.  This is the business evolutionary cycle.

See how a New York filmmaker used this three step process to create an Angus beef co-op in a case study of the “Business Evolutionary Cycle” below (7).

Think about what you really, I mean really want to do.   Our mantra for over 30 years has been to turn your passion into profit.   Examine… what is your passion, your purpose, not what type of type of business will make money.  Then figure out how to earn in the process and make your life and business more fulfilling and usually more profitable as well.  Good luck in your quest. Look for your passion first… the money will follow.

Gary

(1) www.washingtonpost.com: The real reason so many millennials are living at home

(2)  www.dol.gov/_sec/media/reports/dunlop/section5.htm

(3) www.careerbuilder.com

(4) time.com: Millennials social security and medicare/

(5) www.nytimes.com:  Retirees hobby farms

(6) www.wsj.com: The next American farm bust is upon us

(7) www.garyascott.com: Case Study Business Evolutionary Cycle

Live Anywhere – Earn Everywhere

A huge economic struggle is taking place.

The hazard began with the Bayer Monsanto merger.   Recent verdicts against Roundup have accelerated the risk.

Bayer shares have fallen dramatically due to the merger especially after an award of more than $2 billion in damages to a couple who alleged that the company’s glyphosate-based weed killer Roundup caused their cancers.

This third loss-in-a-row by Bayer in U.S. courts and highest award to date has put the company in a tailspin. It 13,400 more such lawsuits and shareholders have rebuked Bayer’s top management over its handling of the Monsanto acquisition and this litigation.  The chart below shows how this has wiped over half of Bayer’s market value .

bayer

See up to date Bayer chart at www.finance.yahoo.com

Bayer’s struggle to protect itself can create disaster in almost every part of our lives, from food to our pets to our medicine.

The battle could destroy what’s left of our privacy, the safety of our food supply, the control over our health, the safety of our money and even the sanctity of our opinions and thoughts could be lost.

Markets and social order can collapse at any time.  Schools, businesses, post offices, any public place, are not safe from shooters on the rampage.  Streets are in danger of terrorists ramming their cars into riders on bikes.  We are no longer safe… in shopping centers, at festivals, even in church.

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

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

There is an association forming that can ruin our health care, nutrition and the environment.  This group an control what you read on the internet, see all the words in our phone calls, watch what we see on TV and slant the trends we learn about in social media.

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

The warning shot, above the surface, was the merger between Bayer and Monsanto.

Bayer and Monsanto each have each developed poisons that are harsh on our ecosystem.

The merger of the two firms should have been stopped to ensure human and planetary survival.

But these massive companies have invested so much into lobbying and financing political campaigns that they have the ability to shape political systems to their own end.

Scientific studies found that neonicotinoid pesticides made by Bayer have almost eradicated some bird populations and flying insects.

These pesticides, along with Monsanto’s toxic herbicide Roundup, have delivered a one-two punch against  butterflies, honeybees and birds. Roundup has also been linked to over 40 human diseases, including cancer.

But both the US and the European Union approved the $66 billion merger of Bayer and Monsanto.  This union not only increases the potential of adding toxic poison to the environment but also gives this giant form control over genetically modified (GMO) seeds that have reduced seed diversity globally.

This union is horrible enough, yet it’s only the tip of the iceberg.

Seven companies are involved in a more sinister plot.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

May I coin a new word, Pruppie?

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

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

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

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

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

ecuador-banks

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

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

Let me provide one simple, concrete example.  Ginseng.

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

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

goldenseal ginseng

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

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

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

Here are some of the experiences this report shares:

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

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

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

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

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

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

Fwd: gary-scott-tipis

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

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Our North Carolina greenhouse.

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Our Florida greenhouse.

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

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

My Guarantee

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

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

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

Buy Live Anywhere, Earn Everywhere Report  $39.99

Gary

 

The Pruppie Factor


There are a growing number of economic problems that can create financial disaster in the year ahead.  Fortunately technologies that create many of the problems can also be used to build an unshakable economic platform, for a more independent, carefree and fulfilled life that puts you in control.

I have created this report, “The Pruppie Factor – Seven Steps to Reduce Stress and Increase Profits”.  This report  shares how to develop a strategy that turns change into success.  The report is pretty long so I would like to send it to you in two parts and to thank you for being a reader I am sending this free and without obligation.

The Pruppie Factor – Seven Steps to Reduce Stress and Increase Profits in the Year Ahead

“May you live in interesting times”.  That’s a Chinese curse that seems to have been cast on our modern world.  We can enjoy comfort and profits in the year ahead despite this fact.

Become a Pruppie.  Integrate your earning with your investing and enjoy peak living, everlasting wealth and natural health with PIEC Investing in the year ahead.

Before we look at what PIEC means, let’s delve into Pruppieism, the new economic and social realism.  Pruppies expect everything to expand.  They take advantage of every new benefit and technology they can.  Pruppies enjoy using the fruits of our ancestor’s deliberations and labors to earn in this advanced technological world.  They also engage in activity that they love that would sustain them in case society and the incredibly intricate weave of our global economy and society should fail.

Pruppies are prepared in case everything, everywhere, or at least everything relating to their income and savings fails and the fabric that surrounds their lives disintegrates into an unknown veil.  Yet a Pruppie’s preparation is not a sacrifice, but a joy as you will see.

Hope springs eternal and it should.  One of the key themes in my first book, Passport to International Profit, (published in the 1970s) was “The Sun Always Shines Somewhere”.  This thought has been in and remains a foundation of everything I do.

Sometimes this sunshine is hard to see because the press always focuses on doom and gloom.  Current news often makes the world seem about to end.  We cannot blame the press. Bad news sells.  The majority seem to want to worry instead of learn about all that’s good.  This does not make doom and gloom right.  This is why the majority are also the rich portion of the population, but bad news is an economic fact for the press.

Yet despite all the negative headlines, we have lived through the Cold War and MAD, Y2K, GridX II, the Peak Oil Crisis, the recession of the 1970s, 1980s 2007, etc. etc. etc.  Chicken Little is always out there, selling the falling sky.  Don’t buy into this story!

History suggests that there will always be opportunity.  The sun always shines somewhere.

Brexit, global warming and the election of Donald Trump as President of the United States are 2016 examples of how the press gravitates to negative news.  These three events may be bad news or not.  The future will tell, but they are examples of how the media focuses on tiny parts of our infinite existence.  They can make anything and just about everything seem negative.  This can blind us to the positive realities ahead, if we let it.  Don’t.  Expect that the world will remain standing and look for opportunity instead!

Our wealth and economic opportunity is pushed by supply and demand.  We are part of a growing global population.  New technology makes more people, as a whole, more productive every day.  The world has increasingly larger markets creating more supply in increasingly efficient ways.

This reality increases everyone’s wealth.  Yes there is a lot of bad news in many places.  There is inequality.  There is crime.  There is war and hate and injustice.   Despite these negatives there is even more that is positive.  Opportunity grows.

Pruppies tap into and use every bit of the good news they can.  They have a plan B if everything goes wrong, but Plan B is based on something a Pruppie wants to do we love, not just a shelter from bad news.

Imagine this example of Pruppism.  The Tiffany lamp casts an amber glow, rich, ivory and warm in the grey gloom of early dusk.  The gold knobbed mahogany desk, its deep patina waxed and smooth, shines with reflections of ancient leather Chesterfields stuffed full, but rumpled with age and of maritime shots that hang in brass frames on the wall. The room speaks of settled tradition, the kind that might never end.  But thoughts instead are on the demise of the business that has supported this room.

The late Jim Slater of Slater Walker, a British industrial conglomerate turned bank in the 1970s was in that room.  I recall his bank’s collapse well as I was living in Hong Kong and Slater Walker was a huge going concern in what was a British colony in those days.  The Slater Walker crash was big news that unsettled the entire British banking system at the time.

Slater, the founder, had been a really high roller, using every modern banking tactic available including buying many assets with cheap loans.  Then in the mid 1970s banking crisis interest rates skyrocketed and his bank was unable to refinance its debt.  The company failed and Slater had to resign.  Numerous charges were brought against him and he spent considerable time defending what he had done.

In the end he was only fined a nominal sum but despite this, his banking career was well and truly dead.

However he had already moved on.

He wrote about this in his autobiography, “Return To Go”.  He had always had a hobby making puppet shows and telling stories to his children, so instead of banking, he turned his passion into profit and wrote some children’s books.  His first effort sold a respectable 35,000 copies.  His next a monster series for younger children, became a huge hit.

He had also maintained a hobby of salmon fishing so again turned his passion into profit by creating a business that bought up fishing rights and resold them as time-shares.  He had quite a success.

Some day a catastrophe beyond our control could redirect the course of our lives.  We might lose a job, learn that our pension won’t pay or that our dollars won’t buy as much as they must.

Though Jim Slater was a banker, outside economic forces beyond his control caused his business disaster.  Yet he had options because he had been doing things he loved that were not related to his banking, but could become useful income generators in difficult time.

I do not know if Slater understood Pruppism but that’s what he was practicing.

Pruppism is a positive realism based on the knowledge that much of our lives are directed by events that we do not know or expect and could not change them even if we did.  There is always something we do not know and that’s okay.

Years ago I was speaking at an investing seminar in Marbella Spain.  One of the speakers was a brilliant strategist, Johan Peter Paludan, of the Copenhagen Institute for Futures Studies.  This institute has a large interdisciplinary staff with expertise in economics, political science, ethnography, psychology, engineering, PR and sociology.  They identify and analyze global trends that influence the future.  Paludan was speaking of these trends and answering questions that delegates had about the world’s economic future.

One delegate asked what to do if there was a global nuclear exchange.  Paludan replied that the results of some events are so unpredictable that it is not worth trying to plan for them.

This thought has stuck with me for decades because it helped me realize that no matter how cautious, how defensive and careful we are, there are events that we cannot even imagine that can turn our lives upside down, for the good or bad.  With this in mind my wife Merri and I have created a lifestyle where we turn our passions into profit but in a way that whatever happens we are likely to be in a position to spot the positive and the opportunity.

A PIEC Experience

Pruppies gain the benefits of PIEC wealth.  PIEC is an acronym for “Personal Income Earning Corridor”.  PIEC income and wealth come from doing what you do for love, rather than just the money.

Traditionally people get jobs to create income.  They work to live and support their lifestyle while attempting to spend less than they earn.  They hope, that maybe the savings will bring, sometime in the future, a lifestyle of doing something enjoyable without work.

Pruppies reverse the priorities.  Instead of working for money to save and invest, they focus their prime effort on doing something they enjoy right now.  Then they learn how to enjoy the effort in some profitable way.  They learn to create “Avenues of Abundance” that combine lifestyle with the necessary task of accumulating wealth.

If economic circumstances tie them to an existing income effort, they create hobbies that are income producers of the future.

For example, if a Pruppie loves golf; instead of working six days a week, 50 weeks a year just to golf on Sundays and during short vacations, instead he or she will create a business in some aspect of the golfing trade.

In another example, a client of mine, who loved animals became a vet.  But he learned that the vet’s lifestyle was not one he enjoyed.  He wanted to travel and move around, which is difficult for a professional who needs to stay at his office and build a practice.  So he built a business that prepares special animal foods for race horses.  Now he travels globally visiting horse breeders and makes much more money as well.

Pruppies combine money with time, energy and desires.  They generate income doing something desired.  Desire and fulfillment become at least as, if not more, important as the money.

#1: Do What You Love!

The reason PIECs work well is that when we love to do something, we do it better, for longer and with greater enthusiasm.

Effort, determination and tenacity are wealth building attributes that cannot fail.  Yet Pruppism does not mean we should suddenly abandon our jobs and try becoming golf pros, when we have never been able to break 100.  Smart Pruppies start small and gradually expand into their passion.

For example, as a writer and lecturer, I was never fully satisfied sitting behind a desk or standing on a podium all day long, even though I was making over a million bucks a year. I’m the physical, outdoors type and yearned for exercise and the wilds of the deep woods. “What good’s the money if this isn’t fun?” I often asked myself.

Rather than quit writing and teaching, I looked for ways to combine these professions with the outdoor life.  Through research I learned that many city folk like myself yearn to be in the primitive outdoors.  So I bought an isolated farm high in the Blue Ridge Mountains and an Andean plantation high in Ecuador where I developed seminar centers with charming but simple dwellings, set in rustic surroundings, with clean water and pure air.  Now I live in nature so after I finish the writing or talking, I can walk in the woods or take my axe and chop firewood or something physical.  I’ve combined my writing with physical work and have blended the life I want, with my readers’ needs in a way that makes great financial sense.

We built a series of cabins in the wild that bring more profits than most stocks or bonds could ever return.

The process took six years to shift. Now we have been at this for nearly two decades and we are far from finished.  But while doing what we love, who cares? This is one of the great benefits of PIEC investing. We can slow down and enjoy the work instead of always rushing ahead, looking for something more.

Those who work nine to five can start PIEC businesses part time if they are too uneasy to quit their jobs. Others, who like myself, already have a business can slowly shift their product or service in a sensible way and let it evolve toward their PIEC.

But where do we start?

There is a seven step process we can all use whether we have our own careers, a business or even if we are retired (PIEC investing is especially good for retired folks who have found the supposed good life flat or financially short).

The first step is to get a clear idea or vision of our dream.  This is sometimes harder to achieve than it seems.  We are so deluged with false ideals from Washington, Wall Street, Madison Avenue, etc. that we have to stop and really take stock.  What do we sincerely want?

There is a very practical economic reason to look inwards for wealth.  Warren Buffet recommends that we only invest in what we understand. What can we understand better than ourselves?

This inner search will lead us to an ideal that begins the second step which is gaining enthusiasm.  How can we be anything but enthusiastic about finally fulfilling our deepest dreams?  The enthusiasm leads to the third step; gaining an education.

We need to find out everything we can about our idea.  To succeed we must take the third step and become real experts in the product or service we offer.

Fourth, this educational process allows us to develop an intelligent, focused business plan we can act upon and the action is the fifth step which brings us the experience. Experience gives us the sixth step, a financial loss or profit.  We always profit in increased knowledge which creates the seventh step, more ideas.

Then the entire cycle starts all over again: Idea, Enthusiasm, Education, Action, Experience, Financial Profit and New Ideas.

This is a way to keep adding new opportunities into our lives.  Business is rarely static. It is an ever evolving process instead.

This seven step cycle may take days, weeks, months or years, but the moment you begin you’ll start moving into an avenue of affluence where you love your work so though money isn’t your main goal it comes more easily.

#2: Do what you love, but also be of service.  Do something for others that is meaningful and important to you.

We all have a purpose in life and when we are filling it, we feel fulfilled.  Wealth and fulfillment is the goal.  Fulfillment is important because of the law of diminishing returns.  A 2008 study that analyzed Gallup surveys of 450,000 Americans suggested that day-to-day contentment improves until income hits around $75,000 per annum.  After that, more money just brings more stuff, with far less gain in happiness.  Income beyond $75,000 does not do much for a person’s daily mood.

This is a pretty general study and regional differences in costs, inflation and life circumstances will create many fluctuations from this norm, but the point is when money is the main goal, the better you get, the harder it will be to gain satisfaction.

Giving, on the other hand, never has limitations, especially when the giving helps complete a purpose that is part of our destiny.

This is true in business and investing.  A study of investors for example found that investors with socially responsible ideals gained the best returns.  A dual goal of profit and achieving some social benefit provides a purpose beyond returns.  This brings comfort and determination to the investments and the added stick-to-it-ness helps increase profits.

The financial giant State Street Corporation’s Center for Applied Research did an 18 month study of 7,000 investors to get a better understanding of the role incentives play in making investment decisions.  Based on this study a new measure of investment performance called “Phi” was created.  Portfolios were previous rated by their Alpha, Beta, and Gamma. Phi is the newest measure of performance.

Alpha measures an investment’s performance against a market index.  If the Standard & Poor’s 500-stock index is up 10 percent and a mutual fund is up 15 percent, for example, that 5 percentage point difference is alpha.

Beta is the return of any given market.  And charting beta is what a passive index fund does.  Comparing different indexes’ beta — say domestic equities and international bonds — helps investors in deciding how to allocate their investments.

Gamma is a measure of the impact on returns of more intelligent financial planning decisions.  A Gamma rating quantifies the additional value that can be achieved by optimal asset allocation, a dynamic withdrawal strategy, incorporating guaranteed income products (i.e., annuities), tax-efficient decisions, and liability-relative asset allocation optimization.

What phi aims to add is a way for investors to quantify how their motivations — or those of the people managing their money — will affect long-term investment returns.

The study examined what motivates a person to invest — or not and found that main investment motivations are market-based motives, the most frequent and powerful being fear in the market.  Both market motivations, the prospect of profit and the fear of loss, can have a negative effect on long-term performance.

A deep sense of purpose is what causes a high phi score.  A high phi factor is not about outperforming markets or peers, and it’s not an asset-gathering measure of performance.  Pi performance is defined as sustainable investing with a deeper sense of purpose.

People who invested with socially responsible ideals did best in the study.  The dual goal of profit and achieving some social benefit provides a purpose beyond returns.  This brings comfort and determination to the investments.

The study helped define three aspects of investing that are generally ignored, purpose, habits and incentives.

Purpose.  Purpose requires some soul-searching questions about what we each want our life to be.  This purpose is more important than the investment goal.  The purpose of the money we have becomes more important than the amount in the portfolio.

Habits.  Habits come next because we need to create habits and routines that keep us on the path of our unique purpose.  The marketplace does all it can to distract us from our goals.  There is an endless stream of news, rumor, conjecture, facts figures, ideas and tactics generated by every part of every stock market aimed at getting us to act in ways that benefit the agenda of others.

Habits help us avoid being distracted from what we are meant and want to do.  The muffle the noise of Madison Avenue, the spin from Washington DC and the hidden agendas of big business.

Incentive.  Changing incentives to accomplish a purpose instead of a numerical (percentage or profit) goal helps us adopt better behavior.  We react to accomplishing our meaningful purpose instead of drama created by media as well as manipulation and short term whims in markets.

The study showed that changing incentives in this way improved phi when they had a meaningful impact on a person’s investment strategy.

The study found these facts: Every one-point increase in people’s orientation toward investment goals with a purpose — and the scale is 0 to 3 — equated to 42 percent greater odds that the investors know what they are paying in fees, 37 percent greater odds that investors are not rejecting their financial adviser, 38 percent greater odds that the people consider investing in socially responsible investments and 79 percent greater odds that investors will trade less frequently, the research found.

As in so many others cases, two of the most important factors of success are keeping costs and trading activity low.  These are among the most powerful ways to increase wealth.  Having greater fulfillment as well as more wealth is a bonus that Pruppies call “Everlasting Wealth”.

Figure out what is really important in life for you and then find ways to invest in that purpose.  When you do, you’ll be on a solid path to everlasting wealth that is not so easily diverted by the daily drama that seems to be unfolding in the modern world.

Learn to focus your investments using purpose as the most important investment goal.  The purpose of money becomes more important than the amount.

Learn how to create habits and routines that keep us on the path of our unique purpose.  The market will do all it can to distract us from our goals.  Understand that many banks, brokers, the media, the government and commerce all have agendas to take our money, not make more for us.   Good wealth habits and routines protect us from this.

#3: Integrate your earning and investing. 

Long term success in business and investing are determined by control and comfort.

Comfort comes from feeling in control, but since there is always something we do not know, real comfort comes from knowing that we are serving a valuable purpose, the best we can, regardless of how events unfold.

Real comfort helps maintain determination, dedication and enthusiasm, all among the most vital parts in the process of succeeding in investing and business.

Our own business increases comfort because a business is simply an investment that gives us more control due to the addition of our own time and energy. 

A Personal Income Earning Corridor (PIEC) begin with a main income generator that we control.  For some this is a job with a salary.  For others it is a pension. For many it is their own business.

Integration of business and investing is important because investments are not always good income generators.

Years ago I managed an investment portfolio for Canada’s largest private investment management firm.  One day, during lunch with the president of the firm, we discussed the difficulties of professional fund management.  He explained that one of his biggest problems was the excessive expectation of customers.

“I have a retired client who has a million dollars”, he said.  “The client wants $90,000 a year to live on.  In a good year, we might earn 11%.  The client can take 9%. Our fee is 1% and the client’s fund increase by 1%.  In a bad year, we might earn 5%. The client takes 9%.  Our fee is 1% and the client’s funds drop by $50,000.  In the next year the client has even less to work with so a withdrawal of $90,000 may be more than 9% of the portfolio.  The client tends to take even more in good years, but never reduces the demand in bad years.”

The number one golden rule of investing is that there is always something we do not know.  Risk is always our partner.  When we invest, there is always potential that will negatively affect our financial welfare.  Our investments might rise or fall because of market conditions (market risk).  Corporate decisions, such as whether to expand into a new area of business or merge with another company, can affect the value of our investments (business risk).  If we own an international investment, events within that country can affect our investment.  There is both political and currency risk.  There is liquidity risk because we may need to draw on an investment at a time when it price is low.

Plus there are broken promises.

We live in an era of broken promises.  Defaults could ruin most average retirees and even investors.

A look at government, social and currency breakdown at its worst can help us see the problem.  Germany is an example when it borrowed heavily to pay WWI costs.  Such borrowing almost always leads to currency and social erosion and this did then.  Right after the war there was some stability, before government spending began to run wild.  By 1923, it reached the worst in history.  This caused prices to sometimes double in hours. In Germany by late 1923 it took 200 billion marks to buy a loaf of bread.

Hard-working people with modest spending habits could not even buy a postage stamp with their life savings.  All debt was wiped out but so too were all savings.

Salaries were paid three times a day yet shops were empty.  Food riots raged. Businesses closed down, unemployment soared.  The economy collapsed.

Anyone on a fixed income was destitute.  They sold everything just to buy food.

Small businesses however survived because they could hold material things such as clothing, food, anything people could consume. 

Recent news about Social Security, pensions and health care shows that the US government has excessive debt today and that we as individuals need tactics to make sure, when governments, pensions and insurers weasel out of their promises, that we can take care of ourselves.

One big broken promise is Social Security and Medicare.  The most recent Social Security trustee report shows that the programs will begin to spend more than they earn within just three or four years.   The Medicare hospital-insurance trust fund, could use all its reserves by 2028.  They face insolvency over the next 20 years because Social Security runs totally out of money by 2034.

This is a bigger problem then it may seem because it creates an even bigger broken promise concerning the US dollar.

Medicare and Social Security already account for 41% of federal spending.  That was the expenditure last year.  This is not a static problem.  Each year that percentage is growing worse.  This creates a special risk for the dollar because Social Security’s reserves are not really assets at all.  The purported assets are simply IOUs from the US government.

Social Security assets are a liability of the government, so eventually the money comes from the same place as all other government expenditure, taxes or federal debt.  This means that if Social Security has to sell an asset, then the government, already overburdened by debt, will have to borrow the money from somewhere else.

If the Fed cannot raise enough money to pay Social Security only two options are left, devalue the greenback or don’t pay.

When Social Security was established in 1935, the President and Congress imposed taxes to pay the promised benefits. Thirty years later politics had changed.  When Medicare was established in 1965, the government took credit for the popular health coverage but left the payment problem for future generations.

President Nixon and Congress also enjoyed the popularity of they increased Social Security benefits  in the 1970s but left future generations the bill.

The public has not been fooled.  A survey in 1964 found that 77% of the population answered yes to the question “Do you trust the government to do the right thing “just about always” or “most of the time”.  Only 19% answered yes in 2015 according to Pew Research.

Yet what can individuals do other than what we have, voting in new administrations?

Voters attempted to create change in 2008 with a new administration.  The election process and result of 2016 suggests they were no pleased with the results. 2017 and beyond may be “interesting” years.

There should be little wonder that Americans have stopped trusting politicians who promise benefits to get and remain elected but leave the burdens of paying for the promises to pile up waiting to sink the next administration.

This problem has grown so large that in 2011 Federal Reserve Chairman Ben Bernanke “maintaining the status quo is not an option. Creditors will not lend to a government whose debt, relative to national income, is rising without limit.”

In 2014 Federal Reserve Chair Janet Yellen told Congress that more work must be done “to put fiscal policy on a sustainable course.”

If the government does not resolve this problem soon, then the world of lenders will.  If the US has to raise interest rates to continue attracting loans, a downward spiral will grow.  Higher rates create greater debt and greater debt demands higher interest payments. The costs will be catastrophic.  As investors flee US bonds and T-Bills for safer investment, the US dollar will lose purchasing power.

Social Security, if paid and even if paid in the same amounts as before, will buy less.  If Medicare stops working then all that’s left for backup is Obamacare and the private insurers in the plan.

This is another broken promise.  When United Health Group, the nation’s largest health insurer, recently announced that it was pulling out of Obamacare insurance the public learned that it will face higher premiums.  Many will need to choose a new plan, change doctors and hospitals as well.  United Health is not the first or only insurer to quit. A dozen nonprofit health insurance cooperatives shut down just last year.  The giants Aetna and Blue Cross Blue Shield are even considering a drop out.

If Social Security and health care promises are broken that just leaves our pensions. Right?

Yet if we look at the Pensionrights.org website we see hundreds of corporations that have reduced pension benefits including the likes of Honda Motor Co., Ltd., Allstate Corp., Coca Cola, Boeing, Caterpillar, Kraft Foods, Hewlett Packard, Fedex GM and GE to name a few of over a hundred.

This problem is not limited to corporate pension.  An Economic Budget Issue Brief issued to Congress from the CBO (Congressional Budget office”) says:

“By any measure, nearly all state and local pension plans are underfunded, which means that the value of the plans’ assets is less than their accrued pension liabilities for current workers and retirees” CBO.

The report shows that even five years ago the short fall of State and Local Pensions was over 3 trillion dollars, more than all other state and local debt

That leaves the Pension Benefit Guaranty Corporation (PBGC) as a safety net.  In the 2015 PBGC’s annual report the Director’s message says:  “One of the most important functions of PBGC is assuming responsibility for pension plans when their sponsors can no longer keep them going.  We insure the benefits of more than 40 million workers and retirees.  Currently, we pay more than 800,000 people each month.  An additional 585,000 workers are scheduled to receive benefits from PBGC when they retire.”

But if you look at the first paragraph of the Financial Report in that annual report you see:

“PBGC’s combined financial position decreased by $14,577 million, increasing the Corporation’s combined deficit (net position) to $76,349 million as of September 30, 2015 an all time record high from  $61,772 million as of September 30, 2014”.

Every step along the way we see shortfalls, debt with little hope of repayment and an economic overhang that will eventually create broken promises at every level from the pensions, healthcare, Social Security and most from a falling US dollar.

These facts will ruin the life styles of millions, but not all.

In short, there is risk in even the safest investments and there is a possibility that a negative financial outcome might occur.

This is why multi dimensional business opportunities make sense.  You can profit from expanding your utility.  The US currency may fall but your business can offer valuable, needed services or products that will be worth more than gold.

You can gain from having a source of income in a place where you have the best chances of control.  This is why for centuries… small business have had a home upstairs and business below, so the owner could control their business.

Those who profit most in changing times are those who add new dimensions to old time proven ways.  Modern technology offers many exciting ways to create multi dimensional profit and can earn income at home.

When you have your own business, you reduce the need to place excessive demands on your savings and you reduce the risks of broken promises especially when your have a multi dimensional business with multiple streams of income.

At the end of this report, you’ll find three day special offer that can help you integrate multiple streams of income and investing for the ultimate form of profit and safety.

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

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

In North Carolina we bought a farm, then we added a seminar center, rental units and a trout raising business.

Products and services of essentials, food, clothing, shelter, protection and good health are the real golden assets in the worst times.

Imagine the scenario where our entire structure melts down.  “See the man who has just come in to get some milk for his family.  He stares at the rows for canned milk.  They were empty. Cleaned out.  He closes his eyes.  The world spins.  He snaps his eyes open and checked the rows again.  They are still empty.  He feels oddly betrayed.  Grocery stores are the supports of life.  When you need something you come here.  This is a fact of life in today’s world.  How can he not take this for granted.

“He rushes to the dairy case.  That’s empty too.  He runs to other shelves and sees shoppers piling up food, any food they can grab, throwing entire rows into their carts.  He is pushed and shoved in a mad rush to take any remaining food.

“The man speeds off to the nearest Dollar Store but finds the parking lot filled, lines waiting just to get in the door.”

Just one disruption in the supply line and in a day, the stores were empty. Our modern world is so intricately connected and stores operate on a just-in-time inventory control system.  When you buy anything a computer orders more and it comes next shipment, next day. One glitch in this complex system, one short break and the shelves rapidly go empty.  The barer the shelves, the faster everything goes.

Yesterday everything had been normal. Suddenly there was no milk anywhere.

The man’s tale is imaginary, but the fabric behind it is not, as the real story below shows.

In September and November of 2016, the Colonial pipeline that supplies millions of people with gasoline was shut down.

In November, one simple error caused the disruption.  A track hoe digging for utilities accidentally struck the pipeline, ignited gasoline and caused an explosion.

In September there was a leak (over a quarter million gallons of gas) that caused the disruption.  While shut down, so many people rushed to the gas station to fill up that it created a panic and shortage.

I spoke with the owner of the local gas station we use. He said people were lining up to fill their cars, gas cans and even large tanks in pickups.  He had to limit sales.

A shortage of just about any essential quickly creates panic.  In the pipeline disruptions motorists running to gas stations deviated from their normal consumption habits at the pump and quickly exhausted existing supplies.

There was still plenty of gasoline, but the ability to transport the product to North Carolina (and four other states) was restricted.  Loss of common sense, civility and safety flew out the window within hours.

This was despite the good news that there are two pipes that run side-by-side.  Only one was ruptured, so the disruption was not as bad as it could be.

The September leak, just one small problem in just one pipeline led to days of dry pumps and higher gas prices in Alabama, Georgia, Tennessee and the Carolinas while repairs were made.

Five states are so dependent on just two side by side  pipelines that their shutdown can create panic for millions of people in under one day.

Merri and I make each of our houses multi dimensional…a home and a source of income from some essential product.

Governments are going further into debt globally.  This creates serious debt and economic problems everywhere.  These burdens mean that governments and societies lose their ability to keep their promises.  Multi dimensional earnings can help overcome the risks these conditions create.

Our website has long shared the idea of multi dimensional business, investing and living.  We have looked at the idea of living as a landlord or the idea of multi dimensional writing and farming or Ecuador farming with B&B, plus Ecuador B&Bs on the beach or in the Amazon to name a few.

Multi dimensional opportunity earns in numerous ways.

Merri and I have always created multi dimensional opportunity in our global travels.  We have united self publishing, seminars, tours, real estate, teaching, currencies, investing and real estate to enhance our income and living.  For example in London we converted a house into an office and bedroom time share. We found special currency deals that helped.

I came across this (one of my first) multi dimensional opportunities when I wanted to finance a house purchase in London.  My business plan was to create a small office-apartment complex.  I would live in part of the house, have an office in part that I would share with a number of my readers.  The deal was aimed at helping overseas businesses people have an office and a place to stay when they were in London.  I set up a club something like a timeshare.  Not quite a timeshare but close enough.

My track record with the bank was good and I had always repaid loans.  Yet the policy at that bank was “timeshares are no-nos”.  I could almost see the glaze come over my bank manager’s eyes as I explained the project.  It was the look that said “No matter what you say, the answer will be NO”.  Once a manager thinks that what you want is against company policy, it is better to do something realistic like climb Mount Everest on a lunch break.  I come from a family of modest means and had no relatives or friends with the cash to start the deal so my alternative was to find overseas investors.

After making the necessary polite motions with my banker and letting him do likewise, I thanked him for his time and was preparing to leave.

Then he said, “By the way let me show you our new American Express Gold Card plan”.  The bank had just started to offer credit cards and they came with a 7,500 pound unsecured overdraft.  He told me that overseas investors could have these as well as local investors and customers.

Overdrafts are a peculiarly British line of credit that allows you to borrow up to the limit of the overdraft without any regular payment plan.  The banker sort of expects to see the amount borrowed rise and fall.  The borrower just pays interest on whatever amount is owed and on occasion the bank reviews the overdraft with you.

At that time one pound equaled about 2.2 dollars so this meant that everyone who obtained this credit card received a $16,500 dollar unsecured line of credit. $15,000 was the amount I was charging each member who joined my London office-apartment club!  I immediately saw how to use this to attract overseas investors.

I wanted 50 members at $15,000 each which was double the $375,000 I needed to buy and develop the property. I saw how to turn my customers into my overseas investors.

My head was spinning as I left the bank.  The bank would not give me a $375,000 loan secured by property.  Yet they would lend my buyers of the club the full price of membership on an unsecured basis.  All I needed was get half my buyers right now on a nothing down pre -purchase deal.  This is exactly what I did.  My customers became my overseas investors.

I hustled out, called my customers and offered them this deal they could not refuse.  “Join our club now and you get an American Express gold card.  The bank will lend you the money unsecured for your club membership.  Pay it back when you can.” 

That was a deal that few overseas investors could refuse.

This was a much better deal for me than borrowing the money from overseas investors to start.  The original 25 sales were financed by the bank.  My customers had to pay the money back, not me.

My clients loved me for this deal.  The British pound collapsed shortly after.  That 7,500 loan that created over $15,000 became much less expensive…. barely $10,000.  Those who borrowed made about $5,000 (33%) forex profit on the loan as well as the good real estate deal.

They made such a profit on the currency change I wrote a report about it and earned additional income from the report sales.

In that real example, I used my writing to enhance a real estate deal.  The real estate helped me promote my seminars and sell a report plus I ended up with a income and a wonderful central London house to live in.

There are many multi dimensional real estate opportunities, land that offers a low stress, healthy home, farm income and other profit potential all at the same time.  Merri and I sponsored many Ecuador real estate tours to help readers buy multi dimensional real estate like Ecuador beach farms that provide rentals and farm income.

When investing and business are balanced the building of wealth becomes a more fulfilling, enjoyable process of service.  Great financial rewards are an extra benefit rather than ultimate goals.  Worries about money become less dominant and we gain an inherent power because we want to work harder and longer.  We don’t need to search (and spend) so much for fulfillment and are more likely to excel financially.

Three Layer Financial Plan

Having our own business allows us to operate at peak performance and create a PIEC (Personal Income Earning Corridor).  Having a PIEC business does not mean you should put all your money in just your own business (though at times you may).  Diversification is always good.

PIEC portfolios come in three layers, first the personal business, then a layer of very safe investments over a third, much smaller layer of speculative deals.

The majority of PIEC diversification beyond our business should be in stodgy, liquid investments such as utilities, CDs, bonds and good value equities.

I prefer Country Index ETFs that provide diversification into entire equity markets.  These investments might pay little in the short term, but are safe and they are highly liquid at a known price.  The low return on these investments is acceptable because they support your PIEC business which maximizes profits and adds comfort like few other investments can.

These very safe investments act as reserves if your business hits a sticky patch and can provide ready finance if sudden business opportunities arise.  They also don’t take up much time in research, accounting, watching the market, etc. so you can devote your energy doing what you love (your business).

However, if you genuinely love researching and tracking the market and have the mentality, capital and experience for it, just being an investor can be a wonderful PIEC business in itself.

The third layer of diversification can be speculative because modern portfolio theory suggests that safe investments are enhanced and made safer by adding a small amount of higher risk deals.  This also allows us to fulfill any casino mentality we might have left if having our own business is not enough.

PIEC investing makes it easier to create and keep wealth.  It enhances our lifestyles now, because it lets us make money being who we really are.  It makes life more fulfilling and fun.

Integrating investing and business reduces the risks of placing excessive demands on your savings, especially if we have an anchor of value.

#4: Find your Anchor of Value.

Find your passion.  Knowing ourselves also helps begin a business with a most powerful business tool I call the Golden Rule of Simplicity.  This rule says there are millions of people just like us.  When we truly see ourselves we look into a mirror that reflects an entire market who feel and desire just as we do.  This is a simple rule yet gives us a finely tuned market research system which shows us how to get create our product, get in touch with our market, deliver the product or service and surrounds us with like minded souls.

Self-knowledge is also essential for comfort and comfort is a vital part of everlasting wealth.  When investors are not comfortable, no profit is enough.  Uncomfortable investors have a never-ending thirst for more that cannot be quenched.  This indefatigable desire gums up the money making process.  Amounts don’t matter.  Even investors with incredible assets suffer this never-ending lust.  A well documented example is Bunker Hunt’s huge losses when he speculated in silver in the 1970s.  He had hundreds of millions yet speculated it all on silver to make even more. When is hundreds of millions not enough?

Develop your investment rules.  Whatever your passion you will need to establish your method – the criteria you will use to select shares for your portfolio.

Whatever your preference you need to establish your key criteria.  Once you have your method working well, improvements come from experience and practice – learning from the successes and failures of each and every investment you make.  The quote “The harder I practice, the luckier I get” applies here.

Know when to sell – and when not to.  A key factor in effective portfolio management is to run profits and cut losses.  This is counter-intuitive for most people because it is natural to want to grab a profit and rather unpleasant to realize a loss.

If you run your profits they can become very big.  If you cut your losses they will always be relatively small.

To understand this approach better, let me ask a question.  What if I offered you a free Mercedes Benz?

You would probably say YES… but would be thinking… “What’s the catch?”  That’s good because we all know there is no such thing as a free lunch, much less a free new car.

Would an answer be harder if instead there was a choice, a FREE Mercedes or $4 million bucks (as in US dollars)?

Most would choose the cash.  Yet of course we would still be expecting a catch.  There is a penny to drop, some risk and the need to ignore the thundering herd and an absolute requirement of discipline.

Let me share a true story about how and why an investor in similar circumstances got the Mercedes and had the $4 million, but then lost it.

The story contains three valuable tips.

Once upon a time, 1981 to be exact, there was a recession. An economic and political mess arose across the land.  The story began with unemployment.  In 1981, the US Presidential election was over, the US economy was hurting and the new government and president were turning on the money printing machine.

This was a gloomy time, those early 1980s.  Really.  That was the worst recession since the great depression.

You often hear that the worst recession since the great depression was the great recession of 2007.  This is statistically wrong.  1982 was worse.

The times were dark and this story begins at the end of the 1980 Presidential election when the US economy was at its worst in 50 years and getting worse.

Our hero in the story thought the stock market would recover, despite the fact that everyone thought everything was bleak and black.  He approached his bankers and asked to make some leveraged investments in the stock market.

His goal was to make enough profit to buy a brand new Mercedes Benz.

He opened the account and bought shares. He used those shares as collateral to leverage these investments with borrowed Japanese yen.

His timing was lucky.  The stock market rose quickly.  The Japanese yen collapsed.  His profits shot past his goal to buy the car.

The Fever

Bubble fever had set in so when the hero’s investment manager called with that great news, “You have enough for your new Mercedes“, the investor changed his mind.  “Let it roll,” the investor said.  “I want to make a million instead”.

The investment manager left the portfolio alone and soon the investor’s profit rocketed past 1 million dollars.

The investment manager called.  “You have made a million bucks… perhaps we should take some profits.

Let it roll,” the investor said. “I have decided to make two million instead.”

The investment manager left the portfolio alone and soon the investor’s profit rocketed past 2 million dollars.

The investment manager called.  “You have made two million bucks… perhaps we should take some profits.

Let it roll,” the investor said. “I have decided to make three million instead.”

The investment manager left the portfolio alone and soon the investor’s profit rocketed past 3 million dollars.

The investment manager called.  “You have made three million bucks… really we should take some profits.

Let it roll,“… the investor said. “I have decided to make four million.”

As the portfolio was nearing four million in value the investment manager called.  “You have made almost four million bucks… perhaps we should take some profits.

Let it roll,” the investor said. “I have decided to make four million and enough for a Mercedes.”

Shortly after the stock market corrected and the yen strengthened.  Profits fell so quickly the investor lost a million almost overnight.

The investment manager called.  “You have lost a million bucks… we had better take the profits.

Hold,” the investor said. “The market will come back”.

The stock market fell more and the yen grew stronger.  The profits fell even faster and the investor lost another million.

The investment manager called again.  “You have lost another million bucks… it’s time to take your profits.

Hold,” the investor said. “The market will come back”.

The stock market continued to plummet and the yen rose more.  The investor lost another million.

The investment manager called.  “You have lost three million bucks now…  You really should take the profits left.

Hold,” the investor said. “The market will come back”.

Finally as the market plunged more and profits faded away, the investor, having lost more than 3.5 million, closed his positions and had just enough profit left to buy his new car.

The Mercedez was black and shiny… a big 500 SEL model… king of the road.  The hero never enjoyed it much.

The moral of the story is that when you invest you need a plan, a discipline and to know when to holdem and when to foldem.

Remember that there are always three distinct options – buy, sell and hold.  We’ll look at how to decide when to buy, to sell and to hold later in this report.

Make sure you have some liquidity. You should always keep an eye on the “liquidity”, the ease with which you can sell all or part of your portfolio. If you are invested mainly in big cap stocks you will have little trouble going into cash if necessary.  However, if you have focused on smaller growth shares it makes sense to keep enough of your PIEC portfolio in large companies.

Select shares that can, if necessary, be turned into cash instantly and provide some comfort if the market as a whole turns ugly.

The potential gains on very large companies are not likely to be as high as those from smaller growth companies, but they can and often do well enough to give you a warm feeling.  Remember comfort counts!

Diversify – but not too much.  Your portfolio should contain no fewer than 10 shares, and you could put 10 percent of your money in each of your top selections.  Diversification is essential to reduce risk, but too much of it can hinder performance.

One of the best ways to have huge diversification in a small portfolio is with Country Index ETFs.  These 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.

Most country index ETFs are invested in dozens, often a hundred or more, shares.

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. With 72 constituents, the index covers approximately 85% of the free float-adjusted market capitalization in Australia.

A portfolio of a dozen country index ETFs represents diversification to hundreds of shares and a dozen currencies.

Diversifying into countries is safe because countries  generally do not go away, go bankrupt or become challenged by changing technology and altering markets.

Diversifying into countries is also relatively simple because, there is sufficient analysis of global markets so every country’s stock market can be compared and markets of best value included in a safe portfolio.

In addition these valuations do not change quickly.  In 2016 our portfolio of 20 good value country index ETFs had only one change, an addition of the Turkey Index ETF, in the year.

This low volume turnover gives us time to put our focus and energy on our business and the passion we love most.  Studies over decades suggests that this simple slow trading, highly diversified approach increases long term profits and increases safety.

Country ETFs provide massive, good value diversification at a really low cost.

Most passive country index ETFs have minimal cost structures.

#5: Keep costs down. 

High trading costs are one of the biggest drags on the performance of your PIEC portfolio.

There are numerous costs we need to keep an eye on.

Load fees. Avoid back-end and ongoing load. When looking at mutual funds, we’ll typically see them listed as A shares, B shares, and C shares.  All of these share classes have some type of load.  Avoid them.

A shares include a front-end, a guaranteed loss the minute you buy.  B shares come with a back-end load, a guaranteed reduction of any profit or expansion of any loss.  B shares typically charge 5% if they are sold within a specified time (normally five to seven years). There are also higher ongoing operating expenses for B shares. Fund companies typically charge up to an extra 1 percent a year for B share operating expenses.

C shares charge a penalty (usually 1 percent) if a sale is made within the first year.  They also carry higher expense ratios.

12b-1 fees are fees hard to see internal fees that cover a fund’s marketing and distribution costs. Funds can 12b-1 fees to pay brokers incentives for selling their funds. We should watch 12b-1 fees to make sure our broker is advising this fund because it is a good investment, not because he or she is receiving an incentive.

Management fees. We should make sure we get what we pay for, a good manager who makes us feel comfortable by helping build safety and steady performance in our portfolio.

Churning. Some funds and brokers churn, or buy and sell more than is really required.  History suggests that the less activity in a portfolio, the higher the return. Active management is one thing, but funds and brokers can increase their income with excessive transactions that do little or nothing to help us as investors.

Misallocation. Many investors are misallocated for the benefit of the bank or broker.  There are a remarkable array of unnecessarily risky, undiversified portfolios created to generate fees, and that have nothing to do with a client needs. Beware of complex and expensive portfolios full of bits and pieces that are hard to understand. Low transparency can often be associated with high costs.

Expense ratios in fund doesn’t cover all of the costs.  All investors, whether using funds or not face other costs such as brokerage and bid-ask spreads.

Bid-ask spreads for example are subject to market friction.  Markets are liquid because makers standing ready to buy or sell shares at all times.  They are paid by the difference between what they will buy and or sell for.

Shares that have less liquidity, ie.  Not many buyers and sellers, have bigger spreads between buying and selling prices.

Investing in widely held index funds and index ETFs can reduce this cost gap.  Such investments normally trade within fractions of a cent, keeping this this hidden expense in check.

Trading commissions make active trading an expensive way to increase profits. Trading costs sandbag our profits from the start.

Taxes need to also be considered. Buying and selling quickly increases fees and also creates short-term capital gains taxes.

Be careful of margin account as well. Most brokers will let us borrow money (for a fee) so we can leverage our investments.  This increases any profits or losses created, but also adds the interest cost of the leverage.

If we add up all the potential fees, redemption fees, brokerage fees, back-end load fees, management fees, inactivity fees, 12b-1 fees, transfer fees, minimum equity requirement fees, commissions, the cost of limit orders and consultancy costs, before investing.

We should know what all our fees are.

Passive Funds Usually Cost Less. Because reducing costs is a major factor in investment success, low cost passive funds that do not require high cost managers generally out perform managed funds in the long run.

Over a 15 or 25 year period very few managers outperform the respective benchmarks of sectors where they invest by a couple of percentage points.

It’s an easy way to game the stock market, and getting easier by the day.

While we are sharing this report, I want to make a special offer, limited to the next three days, that can help you integrate your business and investing.

We offer two courses for attaining financial security.

The first is our “Live Well and Free Anywhere Program”.  The program contains  a series of courses and reports that show ways to earn and be free. These courses and reports are:

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

You can learn all about this program at How to Have Real Freedom, but do not order the program there for $299 .  If you subscribe to the Purposeful investing Course in the next three days, I’ll send you the program free.

I invite you to join me and a small selective group who for the next year will participate in an intensive program called the Purposeful investing Course (Pi).  The purpose of Pi is finding value to increase the value of and protect our savings, pensions, income and wealth in good times as well as devastating economic conditions.

Learn Slow, Worry Free, Good Value Investing

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

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

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

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

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return

#7:  Market history

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

This is a complete and continual study of what to do about the movement of international major and emerging stock markets.  I want to share this study throughout 2017 with you.

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

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

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

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

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

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.  The two conditions are in place again!   There are currently ten good value (non US) developed markets,  plus 10 good value emerging markets.

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

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

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

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

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

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

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

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

I prepared a special report “Silver Dip 2015” and updated this in 2017.   The report explains the exact conditions you need to make leveraged silver & gold speculations that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share long term lessons about speculating in precious metals gained through 30 years of speculating and investing in gold and silver.

The low price of silver offers special value now so I want to send you this report because the “Silver Dip 2017” offers enormous profit potential in 2017.

Save $457.95 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 $27  report “Silver Dip 2015” and the $299 “Live Well and Free Anywhere Program”.

Triple Guarantee

Enroll in Pi.  Get the first monthly issue of Pi and the report “Three Currency Patterns For 50% Profits or More” and the “Live Well and Free Anywhere Program” 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 your own purposeful business and slow, worry free purposeful investing.

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

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

#3:  I guarantee you can keep “Three Currency Patterns for 50% Profits or More” and “Silver Dip 2015” plus the 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 a Pi annual subscription for $197 and receive all the above.

I am so confident that you’ll gain from this offer that if you are not fully satisfied, simply email me within 60 days for a full refund  and keep the $299 “Live Well and Free Anywhere Program” as my thanks for giving Pi a try.  

 

Worst Pension Problems of All


What’s one of the worst pension problems of the world?   Developed economies offer pensions based on emerging market assumptions.

When emerging economies emerge they enjoy a rapid growth spurt.  Labor costs are low.  Regulations are few.   Farmers moving from the land to the factory need little training and offer one of the cheapest boosts in productivity of all.  Small business people work day and night.  Safety, fair wages and the health of workers are not prime factors.  Survival is the key. Low wages and poor conditions are better than starvation, which is the worst condition of all.

A middle class forms. Workers gain some political clout, demand more (as they should) and their children move into higher level careers.  Costs and the time required to prepare the population for the workplace rise.  Some money has to be set aside for the portion of the work force that does not step up to the next level.  Growth slows.

If the economy gets it right, some new technology and new way to produce and live and cooperate comes along; electricity, the steam engine, the car, radio, TV, computer internet and so forth.  Each product creates new productivity and a new market and even developed economies surge ahead from the making and buying of the innovation.

In between each great innovation, there is a transition stage where economic growth stagnates:  the people, government and industry try to stimulate growth in artificial ways and when this does not work, they panic as a whole and become risk-averse.

During the emerging stage of an economy, the option for poor people is to put in full effort, or die or live a life too miserable to contemplate.  Developed economies in a transition stage have some fat available, some capital to hold onto and fight over the way its shared.

The developed Western economies are in eras of transition.  There is plenty of innovation,  artificial intelligence, gene therapy, robotics and software apps.   But almost all of it is incremental innovation, not revolutionary and none of this brings better standards of  living for the majority.

For example, driverless cars are an incremental innovation integrating cars and computers.  This innovation can free hundreds of thousands from having to work as drivers.  But what will those who were the drivers do?  A few will become richer, Tesla, Uber and such will make billions.  Maybe the economic numbers will even rise.  Yet a higher portion of the population will be poorer.

The car on the other hand was a revolutionary innovation.  This replaced the horse and buggy, but every horse and buggy driver could become a car driver and everyone who had access to a car could go further, carry more, reach new markets, etc.  The majority became richer.

Economies grow by helping workers labor more effectively.  When changes help everyone work together to produce more, the total factor productivity rises.  The majority profit.  The total factor productivity is the real factor behind a nation’s economic growth.  The growth peaked in the US in the 1950s at a rate of 3.4% a year as technology such as electricity, aviation and antibiotics worked their way into the mainstream.

“Total factor productivity” has steadily slowed since the 1950s and in the last ten years has averaged about half a percent.

A Wall Street Journal Article “The Economy’s Hidden Problem: We are Out of Big Ideas” points out why the standard of living for the majority has stagnated.  “Outside of personal technology, improvements in everyday life have been incremental, not revolutionary.  Houses, appliances and cars look much like they did a generation ago.  Airplanes fly no faster than in the 1960s.  None of the 20 most-prescribed drugs in the U.S. came to market in the past decade.”

Until the next big technological advance comes along, economic stagnation is likely to continue.

The global economy continues to grow.  There are more people making and consuming more products and services, but that growth has slowed down to the point that those who have not advanced technologically do not get a big enough slice of the pie to be satisfied.  Even without any great new thing, the developed world has still created incredible riches over the past half century.  The global economy has more than doubled.  Yet a huge portion of  the developed workforce has had almost no growth in real income.   Slow growth in developed countries has been the norm for decades.  This has caused the workforce and voters to be unhappy.

One way politicians and big businesses quell this discontent is by promising future benefits, without creating a way to actually delivering them.  Pensions and Social Security are prime examples.

For example Calpers, (California Public Employees’ Retirement System) the largest pension in the U.S, promises future benefits based on the calculation that it will earn 7.5% on its investments each year.   Last year it earned only 2.4%.

Calpers is reducing this 7.5% expected rate 7.5% with a goal to ultimately reduce the rate to 6.5%, although that could take decades.  The rate was already reduced from 7.75% after a disappointing 1% gain in 2011.

The problem is that even 6.5% will be too high unless some revolutionary innovation comes along.

This puts politicians and businesses between a rock and a hard spot because lower investment returns for future benefits mean greater contributions are required now.  Government costs and taxes increase or there is a reduction in government services.  Businesses are forced to increase pension funding or reduce promises of future benefits that are offered to workers.

Social Security is in the same boat.  Even before the new federal administration takes office the chairman of the House Social Security subcommittee, has introduced a 54-page bill, “Social Security Reform Act of 2016”, that would slash Social Security benefits for all but the very poorest beneficiaries.  The bill helps the lower level earners in some ways by eliminating the retirement earnings test so its easier to double-dip wages and Social Security benefits.  Minimum benefits for those who worked their lives through with low wages would also be increased.

Yet there are many downsides for those on the lower side of earnings and wealth.  The retirement age would be raised to 69.  Cost-of-living adjustments would be cut.  Taxes that high earners now pay on a portion of their benefits would even be cut.  In other words, higher earners would benefit.  The poorer segment of the economy would also be far more vulnerable to most government’s biggest trick:  inflation.  More dollars promised for the future, but those dollars when delivered buy less.

Unfunded promises made in years past with overly optimistic promises have sold the future short.   The future is here and now and the purchasing power of pensions and Social Security are deteriorating.   Many investors, economists, politicians and leaders are confused.  The slow growth has angered much of the public.

We can profit from this fact because most people don’t realize that this is the norm.   Since the 1800s, the industrialization of the world has risen in 30 year fits and starts in a “Cycle of War”.

The “Cycle of War” begins when there is a conflict of such urgency that all concepts of return on investment are thrown out the window.  Huge resources are thrown at refining new technology to help win the struggle.   After the war, the technology shifts from military to domestic use and great increases of productivity are gained.  The productivity leads to new fortunes and starts an economic bubble.  The bubble overextends and bursts.  The burst leads to economic stress and new struggles.  Once again R&D accelerates and leads to new and refined technology.

Fwd: dji-chart tgas:"2011-12-17"

We can see the “Cycles of War” by looking at this chart of the Dow Jones Industrial Index.  WWI, WWII, and the Cold War (Reagan and Thatcher fighting the Evil Empire) could be called War III.

The chart below suggests that the cycle is out of whack, with the Dow nearing 20,000.  Perhaps low interest rates or worries about the Middle East, China, Europe. The yuan and euro leave investors with fewer options than the US stock market.  If so and if the theory is still relevant, we’ll see a sharper than normal correction.

 

stock chart

Logic dictates that we should ask, “When and where is the next war?”  An even more important question, “What new technology which changes everything will emerge?”

The thrust of the next war might have to do with cyber security and communications.   If so, we can see skirmishes heating up from the hacking of political emails, theft of a billion Yahoo accounts and viruses in NSA code.

The reality is we cannot know what war will erupt.  We have even less chance of  guessing what the next revolutionary innovation will be.  Startup investors protect against this by investing a little in many innovators, expecting to lose on most but win big on a few.  Venture investors who bet on Compaq, Commodore, Burroughs, Control Data, Honeywell, Netscape, Origin Systems, Sirius Software, Apple and Microsoft, may have had an 80% failure but probably did well overall because of the two winners in the portfolio.

This type of investing suits some investors well.  A little of such speculation may be good for most investors.  Mostly, though, we should protect our wealth and savings beyond our pensions and Social Security with slow moving, low cost, highly diversified good value investments.

The simplest such investment is a single global equity ETF such as the Vanguard Total World Stock ETF (VT).  If you seek a balance to US investments, the Vanguard FTSE All-World ex-US ETF (symbol VEU) invests only in 2,537 non US shares.  VEU is huge ($24.6 billion under management) and has a really low expense ratio of 0.13%, 88% lower than the average expense ratio of funds with similar holdings.

Pensions and Social Security may not be enough to secure a future.  Unfunded promises based on unrealistic growth are subject to reduced purchasing power.  Whichever approach you take to securing your future, look beyond the promises and put your trust in value rather than political promises.

Gary

See how I diversify in slow moving, low cost, highly diversified good value investments with Pi.

Investing Beyond the Boom

Warren Buffet once warned against the Cinderella effect.

He said “Don’t be fooled by that Cinderella feeling you get from great returns.  Nothing sedates rationality like large doses of effortless money.  After a heady experience of that kind, normally sensible people drift into behavior akin to that of Cinderella at the ball.  They know the party must end but nevertheless hate to miss a single minute of what is one helluva party.  Therefore, the giddy participants all plan to leave just seconds before midnight. There’s a problem, though: They are dancing in a room in which the clocks have no hands.”

Cinderella may have lost a shoe when she fled the party to meet a midnight curfew.  We can lose much more when we rush from a crashing stock market.

Most investors face emotional dangers that build in rising markets.

Almost everyone feels good.

But the clock of economic reckoning is ticking.

No wants to see it.  Nothing rises forever and especially… not everything at the same time.

Yet no one wants to leave the party until the end.

But many edge closer to the door.

When the clock chimes there could be a stampede even though leaving in a hurry may be the worst way to go.

Here are seven steps that can help avoid this risk.

  • Choose investments based on markets instead of shares.
  • Diversify based on value.
  • Rely on financial information rather than economic news.
  • Keep investing simple.
  • Keep investing costs low.
  • Trade as little as possible.
  • Make the decision process during panics automatic.

One strategy is to invest in country ETFs that easily provide diversified, risk-controlled investments in countries with stock markets of good value.  These ETFs provide an easy, simple and effective approach to zeroing in on value.  Little management and less guesswork is required.  The expense ratios for most ETFs are lower than those of the average mutual funds.  Plus a single country ETF provides diversification equal to investing in dozens, even hundreds of shares.

A minimum of knowledge, time, management or guesswork are required.

The importance of…

easy…

transparent…

and inexpensive. 

Keeping investing simple is one of the most valuable, but least looked at, ways to avoid disaster.  Simple and easy investing saves time.  How much is your time worth?  Simple investing costs less and avoids fast decisions during stressful times in complex situations where we are most likely to get it wrong.

Fear, regret and greed are an investor’s chief problem.  Human nature causes  investors to sell winners too soon, and hold losers too long.

Easy to use, low cost, mathematically based habits and routines help protect against negative emotions and impulse investing.

Take control of your investing.  Make decisions based on data and discipline, not gut feelings.  The Purposeful investing Course (Pi) teaches math based, low cost ways to diversify in good value markets and in ETFs  that cover these markets.  This course is based on my 50 years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy Repeated Wealth With Pi

Pi’s mission is to make it easy for anyone to have a strategy and tactics that continually maintain safety and turn market turmoil into extra profit.

One secret is to invest with a purpose beyond the immediate returns.  This helps create faith in a strategy that adds stickiness to the plan.

Another tactic is to invest with enough staying power so you’re never caught short.

Never have to sell depressed assets during periods of loss.

Lessons from Pi are based on the creation and management of Model Portfolios, called Pifolios.

The success of Pifolios is based on ignoring economic news (often created by someone with vested interests) and using financial math that reveals deeper economic truths.

One Pifolio covers all the good value developed markets.  Another covers the emerging good value markets.

The Pifolio analysis begins with a continual research of 46 major stock markets that compares their value based on:

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return.

#7:  Market history

This is a complete and continual study of almost all the developed major and emerging stock markets.

This mathematical analysis forms the basis of a Good Value Stock Market Strategy.   The analysis is rational, mathematical and does not worry about short term ups and downs.

This strategy is easy for anyone to follow and use.  Pi reveals the best value markets and provides contacts to managers and analysts and Country Index ETFs so almost anyone can create and follow their own strategy.

Learn how to invest like a pro from the inside out.

At the beginning of 2019 my personal Pifolio is based on select ETFs in the Keppler Developed and Emerging markets.  My Pifolio is invested in Country ETFs that cover seven developed and three emerging markets:

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

Don’t give up profit to gain ease and safety!

Regardless of economic news, these markets represent good value and have been chosen based on four pillars of valuation.

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

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

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

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

You also receive two special reports.

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

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

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

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

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

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

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

Plus get the $39.95 report “The Silver Dip 2019” free.

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

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

I have updated this report and added how to use the Silver Dip Strategy with platinum.   The “Silver Dip 2019” report shares the latest in a series of long term lessons gained through 40 years of speculating and investing in precious metals.  I released the 2015 report, when the gold silver ratio slipped to 80.  The ratio has corrected and that profit has been taken and now a new precious metals dip has emerged.

I have prepared a new special report “Silver Dip 2019” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.

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

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

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

seminars

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

This year I celebrated my 51st anniversary of writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

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

stock-Charts

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

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

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

Details in the online seminar include:

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

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

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

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

Use time not timing.

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.

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%.

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 2019” and our latest $297 online seminar for a total savings of $468.90.

ecuador-seminar

Triple Guarantee

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

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

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

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

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

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

Subscribe to Pi now, get the 130 page basic training, the 120 page 46 market value analysis, access to over 100 previous Pifolio updates, the “Silver Dip 2019” and “Three Currency Patterns For 50% Profits or More” reports, and value investment seminar, plus begin receiving regular Pifolio updates throughout the year.

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

Your subscription will be charged $299 a year from now, but you can cancel at any time.

Gary

 

 

 

 

 

What Can You Do About Pensions?


What do you do if your pension goes stupid?

share chart

Valeant shares have fallen in the last year from over $250 to $26. Valeant chart from www.finance.yahoo.com (1)

Drug prices have soared in the last couple of years as Valeant drove up the prices for their heart medications and was a role model that taught other drug firms how to raise prices.

Valeant for example bought the rights to a pair of life-saving heart drugs.  The same day, they increased prices by 525% and 212%.  Neither of the drugs, was improved nor were there any investments in lab work, testing or anything good for patients. The only change was the drugs’ ownership to Valeant and Valeant’s management feeling that their only duty was to maximize the shareholder’s value.

Hats off the Valeant’s management for such a  good job, reducing shareholder’s value by about 90% in less than a year!

I would be seeing nothing but good from this.  Value would be a role model in how not to think short term and the fine line between creating profit and extortion.

Sadly there is a negative to this because the Valeant losses could hurt many retirement plans.

Workers in over 50 companies from such as Walt Disney Company offered the Sequoia Fund, Inc. as an investment option in their employee savings plans.  The Sequoia Fund was purportedly an exclusive manager with historical ties to Warren Buffett, closed to new investors for years.  Employees of these companies supposedly had a unique privilege to be able to invest their pensions in Sequoia.

Regretfully Sequoia’s largest holding, at one point last year more than 30% of its portfolio, was Valeant Pharmaceuticals.

The fund has underperformed 98% of its peers so far this year and hurt some retirement plans  at companies such as Disney, where Sequoia was among the most widely held investment.

What is the Lesson?

There are several lessons we can learn from this tragedy.   The first is that short term investment thinking is dangerous.  Valeant may be able to force these high prices on people. Their life depended upon it.  You can also make people do things they do not want when you put a gun to their head.  Neither form of inducement is correct. Both are coercion and when anyone pushes helpless people too much, for too long, there will be a pay back.

Keep these facts in mind when researching where to invest.  Companies need to provide a fair service as well as make a profit.

Also we should beware of hotshots and the Golden Boy Syndrome. Having been in the business almost 50 years now, I  have seen so many kings knocked off their throne.  Any time anyone acts as if they are doing you a favor taking your money… BEWARE!

What do you do?

We need to be masters of our own finances and the best way to do this is by continually looking for value.

This will often make you seem like a contrarian because the herd mentality creates and/or destroys value.  You may seem to be acting just the opposite of everyone else, but we are not.  Instead of following the money we are simply following the value.

For example we recently reported that gold has triggered a Re-Entry Rule at Trade Stops.com, one of the advisors we track.

share chart

Gold chart from www.finance.yahoo.com (2)

Gold and silver almost always have a small place in our portfolio as insurance, but how much of our money should we allocate to gold and silver as speculations?

Our friend Richard Smith, a PhD in mathematics, is the founder of Tradestops.com and he created a program to help us match our risk tolerance with our investment risk profile.

When our risk tolerance is out of line with the risk profile of our investments, we are more likely to make poor emotional rather than wise investmen decisions.

Richard sent me this note:

Today, what I’d like to bring to your attention, is how you can use the tools available in TradeStops to make some high level decisions about how to structure your own portfolio.

One nice benefit that we enjoy as investors today is the rich universe of ETFs that we have access to. We can use these ETFs to help us make some decisions around our personal asset allocation. GLD, for example, is the ETF that tracks the cash price of gold bullion.

There are lots of websites out there that offer tools to help you easily find ETFs of interest. One that I use regularly is ETF Replay. The Summary section of ETF Replay is a great place to browse around and find ETFs that represent asset classes that you might be interested in.

Browsing through the Summary pages of ETF Replay, I found the following ETFs of interest to me (note that when deciding between similar ETFs I tend to favor those with the highest Net Assets):

VTI: Vanguard Total U.S. Stock Market – (I opted for an ETF to capture the whole US stock market.)
IEF: iShares Barclays 7-10 Yr Treasury (7-8yr)
VEU: Vanguard FTSE All-World ex-US
VWO: Vanguard FTSE Emerging Markets
GLD: SPDR Gold Shares
USO: United States Oil Fund
LQD: iShares iBoxx Invest Grade Bond (7-8yr)
SHM: SPDR Short-Term Municipal Bond (2-3yr)
IYR: iShares Dow Jones Real Estate REIT
GDX: Market Vectors Gold Miners Equity Index

The above list is by no means exhaustive. It’s just a list of possible investment categories that captured my interest (and that had sizable net assets).

Now I’m going to build a Watch Only portfolio of the above ETFs (starting with 1 share each) with $100,000 in cash and then run that through my Risk Rebalancer tool to get a rough idea of how $100,000 could be allocated across the above investment classes.

Here’s how it all came out (sorted by VQ% ascending):

Tradestops

Click on image to enlarge.

As you can see in the above, GLD and GDX together add up to just under $10,000 which is about 10% of this $100,000 portfolio. (Note that I’m disregarding the SSI indicators for this exercise.)

Interestingly, this is a VERY low volatility portfolio overall, with 88% of the assets in low volatility investments.

Tradestops

Now I didn’t go through this exercise because I think that you should allocate your assets as I have above. It’s just an example. I want you to go through this exercise yourself, so that you start to build your own position in gold and gold miners in a pre-meditated way.

Given your portfolio size and your asset class preferences, approximately how much should you be looking to invest in gold and the gold miners?

Think about it. Play around with some numbers in TradeStops using some ETFs as proxies for asset classes. The absolute worst thing you could do would be to buy more gold or gold stocks than you are comfortable buying. If you do that, you will very likely get stuck in a losing position (if the rally peters out) or take your profits too soon (if this is indeed the beginning of a new bull market).

You need more than just hope. You need a plan … and you need to stick to your plan. That, more than anything, is what will ultimately determine your success.

Richard M. Smith, PhD
CEO, TradeSmith
Founder, TradeStops.com

Richard’s advice above makes good sense and I recommend that if you are an investor,  subscribe to the professional version of Tradestops. Get full details here.

Gary

(1)  finance.yahoo.com – VRX

(2)  finance.yahoo.com – GLD

Why Leverage Silver ETFs

Turn $250 into $51,888… in Four Years or Less?

I first spotted an opportunity in 1986.   Two short term distortions (in the price of silver and the strength of the British pound) created potential for huge profits.  I wrote in a report (called the “Silver Dip”) that told how to borrow British pounds to speculate in silver and earn over $50,000 profit.  That’s the headline I used then in 1986, “Turn $250 into $51,888… in Four Years or Less”.

The report showed how to take borrow overpriced British pounds and invest the loan in under priced silver.   $250 was required to set up the loan.  No other cash was needed to borrow the pounds.

Readers who followed the report made $46,299 on the no cash investment in only one year

Then in 2015 I spotted the same distortion again.  The British pound was overvalued.  Silver was undervalued. 

I quickly issued a report… the “Silver Dip 2015” that looked at how similar conditions to 1986 had fallen into place.  The price of silver had reached a six year low.  The British pound strength was rising.  The dollar per pound rate was $1.55 per pound, exactly the same as in 1986 and the silver/gold ratio rose over 80 just as in 1986.

That report revealed the iShares Silver Trust, a silver ETF  and during the year after issuing this report, the share price rose from $13.57 per share to $19.60 in 2015.

The rise in the silver price created a nice profit.   The currency and leverage tactics within the strategy turned the nice profit into a very nice profit.

A $10,000 (6,451 British pounds) loan purchased 736 shares at $13.57.  In 2015 the shares rose to $19.60 and were worth $14,425 (up 44.25%).

Those profits were spectacular by any stretch of the imagination but turned out even better because the profits above excluded the forex profit.

In 2015-2016 , the British pound dropped almost exactly as it did 30 years ago!  The British pound fell from $1.55 per pound to $1.33 per pound.

At $1.33 per pound, the 6,451 pound loan only required $8,575 to pay back the loan.  This created an extra $1,425 forex profit.

When the opportunity appeared again last year, I updated the report to  “Silver Dip 2018”.

The 2018 report showed how the opportunity for this speculation was even better than it was in 2015.

Yet the profits have not yet arrived.  This allows me to make an amazing no-risk guaranteed offer to you.

Silver Dip 2019 includes profit calculations for 2019 and I offer you the report “Silver Dip 2019” with a year long guarantee.

“If the profits recommended in the report don’t arrive by the end of the year, I’ll give you a complete and full refund”.

That’s right if the tactic described in Silver Dip 2019 do not hit their target, you don’t have to pay a thing for the report.

Investing in silver ETFs leveraged with margin loans may create extraordinary profits in 2019.

The “Silver Dip 2019”  shows how to easily make an ideal speculation for almost any amount.   The report shows when and how to get margin loans in dollars, British pound, Japanese yen or euro.

In fact you learn how to borrow in 23 different currencies, even Russian rubles, so you can choose the weakest currency with the lowest interest rates.

Low Interest Loans

Interest on the loan won’t eat up profits.  The “Silver Dip 2019” shows how to borrow many currencies right now for less than 2%.

The Silver Dip is only exercised when conditions are absolutely ideal.  Value investors never push this rule.  Investment and speculative markets are full of rumor, conjecture (a lot of it false) and hidden agendas.  The Silver Dip relies instead on a really simple theory… that the price of gold should rise about the same rate as other basic goods and the rise and fall of silver’s price should maintain a parity with gold.  When that parity is out of balance (as it has been since August 2018) silver’s price is ready to explode.

The “Silver Dip 2019” explains how to speculate in silver ETFs plus outlines the following:

  • How to use the Silver Dip strategy without adding a penny of cash if you already have investments.
  • How to invest as little as a thousand dollars in silver if you do not have a current investment portfolio.
  • Why this is a speculation, not an investment:  who should and should not speculate and how to limit losses and take profits.
  • Three reasons why conditions are excellent for better for a Silver Dip now.
  • Three different ways to invest in the US or abroad.
  • How to buy gold and silver or platinum with or without dollar leverage margin accounts.

The “Silver Dip 2019” also contains four matrices that calculate profits and losses so investors can determine cut off positions in advance to protect profits and/or losses.  The report also looks at how to switch time horizons for greater safety.

Rising interest rates make the stock market highly dangerous in the short term. “The Silver Dip 2019” shows how to create a safe, diversified good value stock portfolio and use it to generate much higher returns with a little controlled speculation in silver.

Learn how to beware of certain brokers and trading platforms, how to choose a good bank or broker and how silver profits are taxed.

The report includes a complex comparison of silver’s price with other costs of living from 1942 to today to help determine its real value.

Finally, learn why and how to use advisers to manage profits from silver dips.

Current circumstances could cause the price of silver to rise rapidly at any time.  Do not delay reading this report.

The Silver Dip sold for $79 in 1986.  Due to savings created by online publishing (we have eliminated the cost f paper and postage), we are able to offer this report for $39.95.

Order now by clicking here.  Silver Dip 2019  $39.95

The benefit of 50 years experience in watching markets, metals, bonds, interest rates and currencies, I have learned many special pricing situations to watch for.

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

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

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

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

The “Silver Dip 2019” report shows a current huge opportunity.  I continuously watch for aberrations in currency and precious metal markets.   Sometimes a rare quirk, such as the currency distortions, low cost loans and low silver price  offer potential for profit, with very little risk of long term loss.

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

The time is now.

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

We are stalking precious metal opportunity now.

The trap is set. We are waiting…

This opportunity is explained in the report “Silver Dip 2019”.

You can order the Silver Dip 2019 here for $39.95

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

I do not sell book, reports and courses.  I offer benefits.  If  the Silver Dip 2019 does not bring you the benefits you expect, just let me know any time in 2019 and I’ll send you a quick, no questions asked, full refund.

I can’t promise that silver’s price will rise in 2019 but  I can guarantee you’ll be fully satisfied with the report or… you can have your money back in full.

You can order the Silver Dip 2019 here for $39.95

Gary

The Broken Pension Promise


We need to embrace change because there is potential for broken pension promises.  The reality of our world at some level is explained by Heisenberg’s Uncertainty Principle.  That theory says there is a fundamental limit to our precision in knowing the most fundamental particle structure of our universe.  The more we know about where something is, the less we can know about how fast it is traveling.  And vice versa.  In vastly generalized terms, this means we can know space or we can know time, but we cannot know them both.

If we combine this with the “As-Above-So Below” theory, we can extrapolate that we cannot accurately know the outcome of any thing or event.

Yet it is human nature to want assurance, so we are vulnerable to promises.   When someone promises “Everything will be okay” or “We’ll take care of you no matter what”, we want to turn an assurance into a guarantee.

Yet there is always something we do not know that can break the economic promise.

Pensions are one.

Last week’s message, “Be prepared for pension problems” looked at how changing demographics make it almost impossible for current U.S. pension profits to be kept.

A Wall Street Journal article “Europe faces pension predicament”(1) shows that the U.S. is not alone in pension risk.  The Social Security Trust Fund  promises more than it can afford because its assets are simply IOUs from the US Treasury.  Even so, this false fund is scheduled to fall short in a decade or so, and run out in less than 20 years.  Europe’s timeline is even less.

European State-funded pensions face a demographic tsunami.  These pension systems are like (or even worse) than Social Security. Most European countries have set aside almost nothing and fund pensions are out of tax revenue.   Low birthrates and high longevity can break the pension promise.

The WSJ article said: “Western European governments are close to bankruptcy because of the pension time bomb,” said Roy Stockell, head of asset management at Ernst & Young. “We have so many baby boomers moving into retirement [with] the expectation that the government will provide.”

However, here is the positive side to this.

The “some things” we do not know can be positive as well as bad.  Who, a few decades ago, could have guessed at the savings and added productivity that would come from computers, cell phones and the internet?

The million migrants who have reached Europe in the past year could increase tax revenue and help keep pension promises.  Their arrival will have effects on public finances that officials are still unknown.

Or a new technology could once again allow productivity to leap ahead.

This is why we should rely on financial news rather than economic news.

Europe faces problems…yes.  When we read about the terror, the migrant overload, the tension between EU countries, Britain’s potential exit from the EU and all of these potential negatives; we discount Europe’s economic potential.

Financial news allow us to see if  discounts are sufficient or overreaching.   Economic news suggest that based on the here and now, a discount or premium might make sense.  Financial news gives us a much deeper mathematical understanding so we can determine more accurately if the discount or premium is reasonable.

Europe faces problems, yes, but as is often the case, the discounts in many European stock markets are in excess.  This is why six of the ten Top Value developed stock markets, as defined by Keppler Asset Management, are European… Austria, France, Germany, Italy, Norway and the United Kingdom.

Beware of the Pension promise.  There is always something we do not know so not all promises can be kept.  We can protect ourselves from these facts by looking at fundamental fiscal financial news, (such as price to book value, price to earnings, dividend yield) so we see value more accurately.

Gary

(1)  www.wsj.com Europe faces pension predicament

Investing Beyond the Boom

Warren Buffet once warned against the Cinderella effect.

He said “Don’t be fooled by that Cinderella feeling you get from great returns.  Nothing sedates rationality like large doses of effortless money.  After a heady experience of that kind, normally sensible people drift into behavior akin to that of Cinderella at the ball.  They know the party must end but nevertheless hate to miss a single minute of what is one helluva party.  Therefore, the giddy participants all plan to leave just seconds before midnight. There’s a problem, though: They are dancing in a room in which the clocks have no hands.”

Cinderella may have lost a shoe when she fled the party to meet a midnight curfew.  We can lose much more when we rush from a crashing stock market.

Most investors face emotional dangers that build in rising markets.

Almost everyone feels good.

But the clock of economic reckoning is ticking.

No wants to see it.  Nothing rises forever and especially… not everything at the same time.

Yet no one wants to leave the party until the end.

But many edge closer to the door.

When the clock chimes there could be a stampede even though leaving in a hurry may be the worst way to go.

Here are seven steps that can help avoid this risk.

  • Choose investments based on markets instead of shares.
  • Diversify based on value.
  • Rely on financial information rather than economic news.
  • Keep investing simple.
  • Keep investing costs low.
  • Trade as little as possible.
  • Make the decision process during panics automatic.

One strategy is to invest in country ETFs that easily provide diversified, risk-controlled investments in countries with stock markets of good value.  These ETFs provide an easy, simple and effective approach to zeroing in on value.  Little management and less guesswork is required.  The expense ratios for most ETFs are lower than those of the average mutual funds.  Plus a single country ETF provides diversification equal to investing in dozens, even hundreds of shares.

A minimum of knowledge, time, management or guesswork are required.

The importance of…

easy…

transparent…

and inexpensive. 

Keeping investing simple is one of the most valuable, but least looked at, ways to avoid disaster.  Simple and easy investing saves time.  How much is your time worth?  Simple investing costs less and avoids fast decisions during stressful times in complex situations where we are most likely to get it wrong.

Fear, regret and greed are an investor’s chief problem.  Human nature causes  investors to sell winners too soon, and hold losers too long.

Easy to use, low cost, mathematically based habits and routines help protect against negative emotions and impulse investing.

Take control of your investing.  Make decisions based on data and discipline, not gut feelings.  The Purposeful investing Course (Pi) teaches math based, low cost ways to diversify in good value markets and in ETFs  that cover these markets.  This course is based on my 50 years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy Repeated Wealth With Pi

Pi’s mission is to make it easy for anyone to have a strategy and tactics that continually maintain safety and turn market turmoil into extra profit.

One secret is to invest with a purpose beyond the immediate returns.  This helps create faith in a strategy that adds stickiness to the plan.

Another tactic is to invest with enough staying power so you’re never caught short.

Never have to sell depressed assets during periods of loss.

Lessons from Pi are based on the creation and management of Model Portfolios, called Pifolios.

The success of Pifolios is based on ignoring economic news (often created by someone with vested interests) and using financial math that reveals deeper economic truths.

One Pifolio covers all the good value developed markets.  Another covers the emerging good value markets.

The Pifolio analysis begins with a continual research of 46 major stock markets that compares their value based on:

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return.

#7:  Market history

This is a complete and continual study of almost all the developed major and emerging stock markets.

This mathematical analysis forms the basis of a Good Value Stock Market Strategy.   The analysis is rational, mathematical and does not worry about short term ups and downs.

This strategy is easy for anyone to follow and use.  Pi reveals the best value markets and provides contacts to managers and analysts and Country Index ETFs so almost anyone can create and follow their own strategy.

Learn how to invest like a pro from the inside out.

At the beginning of 2019 my personal Pifolio is based on select ETFs in the Keppler Developed and Emerging markets.  My Pifolio is invested in Country ETFs that cover seven developed and three emerging markets:

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

Don’t give up profit to gain ease and safety!

Regardless of economic news, these markets represent good value and have been chosen based on four pillars of valuation.

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

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

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

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

You also receive two special reports.

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

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

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

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

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

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

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

Plus get the $39.95 report “The Silver Dip 2019” free.

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

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

I have updated this report and added how to use the Silver Dip Strategy with platinum.   The “Silver Dip 2019” report shares the latest in a series of long term lessons gained through 40 years of speculating and investing in precious metals.  I released the 2015 report, when the gold silver ratio slipped to 80.  The ratio has corrected and that profit has been taken and now a new precious metals dip has emerged.

I have prepared a new special report “Silver Dip 2019” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.

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

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

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

seminars

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

This year I celebrated my 51st anniversary of writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

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

stock-Charts

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

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

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

Details in the online seminar include:

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

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

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

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

Use time not timing.

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.

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%.

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 2019” and our latest $297 online seminar for a total savings of $468.90.

ecuador-seminar

Triple Guarantee

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

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

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

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

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

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

Subscribe to Pi now, get the 130 page basic training, the 120 page 46 market value analysis, access to over 100 previous Pifolio updates, the “Silver Dip 2019” and “Three Currency Patterns For 50% Profits or More” reports, and value investment seminar, plus begin receiving regular Pifolio updates throughout the year.

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

Your subscription will be charged $299 a year from now, but you can cancel at any time.

Gary

 

 

 

 

 

Be Prepared for Pension Risk


Prepare to embrace change in pensions.

I have been warning readers about an especially severe 30 year cycle shift (and how to profit instead of lose), since  January 28, 2015.  The forces have been building and history suggests that around this time, (there are always a few years of leeway) there will be an economic and stock market correction.

Screen Shot 2016-03-18 at 8.03.29 AM

Chart from unclassified OECD report on pensions. (1)

The correction will start when some trigger kicks off a wave of panic.  We never know what the trigger will be and it usually doesn’t even matter. The trigger is just a trigger that starts corrections of distortions that have been building for three decades.

When this next distortion breaks loose, which it will, the infrastructure we take for granted will change in ways we never thought possible.  This is not bad.

One likely trigger will be changes  in pensions.

According to the Financial Times, last year,  Angel Gurría, the OECD’s secretary-general, said: “Pension funds and life insurers are feeling the pressure to chase yield . . . and to pursue higher-risk investment strategies that could ultimately undermine their solvency.  Low interest rates have also caused problems for such funds because bond yields are used to calculate the value of their liabilities. When yields fall, the estimated value of their future liabilities increases. (2)

Detroit’s 2013 bankruptcy reminded investors that government’s local, state, national and international owe billions more than anyone knows, trillions actually.

This is a global problem as recent research by Citigroup found that governments across the developed world have promised much more than they can to current and future retirees.

This threatens the value of government bonds and the entire global economy.

Twenty countries of the OECD (the Organization for Economic Cooperation and Development is an international economic organization of 34 countries, founded to stimulate economic progress and world trade, democracy and market economies) have promised their retirees a total $78 trillion.  Much of this promise is unfunded.

That is almost double the $44 trillion total national debt of those 20 countries. These pension  obligations do not show up as obligations on government balance sheets.

The total global government debt may be three times larger than revealed. Numerous countries have promised more than they can deliver.  The real figures remain obscured because governments fear a decline in their credit rating which will increase the gap.

Many economists believe this will lead to a total collapse in society.

More likely than a sudden head-on collisions between bondholders and pensioners, there will be trading down.   National governments, states, provinces, counties, cities, school districts and other organizations cut services, raise taxes and pay pensions that have less purchasing power.

A New York Times article outlines how Citigroup used demographics to calculate the global buildup of overwhelming invisible pension obligations. (3)

There was a golden era after World War II.  A growth spurt promised the world to a young and growing population. This aging population is now stressing pension systems that have limited or no funding.

Aging populations mean that retirement systems no longer work.  There are not enough younger workers to support the retired.

This a global dilemma.  China now has seven workers to support every retiree. This number will fall to two workers per retiree over the next 30 years or so.  Japan will have even less, around one worker per retiree.

Some other seasoned investment publishers (whom I have worked with for over 30 years) tout the idea that all of our systems will be tightly controlled or closed: our bank accounts, credit cards, wire transfers, ATMs, even the internet could shut down.

These publishers say that stock markets will crash wildly out of control. They suggest that Social Security checks will be at risk. Gas stations will be shut but there won’t be much reason to drive anyway.  Everything we use on a daily basis will be hit.  A food supply shutdown will create shortages and closings of super markets and restaurants.

They also know that fear sells subscriptions.

However, I believe that the correction will be softer.  We’ll see many suffer a growing inequality of purchasing power instead of a complete and sudden shutdown.

There will still be money, still be gas (or some better form of energy), still be banks, still be food in the stores.  The quality could be lower and many won’t be able to buy as much.

On the other hand those who embrace the change will see much greater wealth and a happier richer healthier lifestyle.

This gradual loss of purchasing power means we still have time if we act, now.

There are some events we cannot predict or prepare for. Who saw the internet coming for example?  There is always something we don’t know so we often think in faulty ways by adding up everything that could go wrong without adding in the new technologies that can change everything.

This gives us a backwards looking view and leaves us unprepared to cash in on the next new thing.

I choose to spend my time making myself better and investing in value rather than worrying about a future that definitely will be different than imagined.

Gary

Join Merri, David and me over the next year to create a plan that benefits from change.

(1)  http://www.oecd.org unclassified official documents

(2) www.ft.co OECD Pensions

(3) www.nytimes.com 2016 study-finds-public-pension-promises-exceed-ability-to-pay

Make Safe More Profitable With the Silver Dip

May 2017 will be my 51st anniversary of being in the investment & finance business.  This is the 49th year since I started talking about international investing, (I started a Hong Kong mutual fund business in May 1968).

Since that time, my investing goals have been based around spotting contrasts and trends.

One current trend is that the valuations of US shares are dramatically overpriced  in every fundamental way.   The Morgan Stanley MSCI Index USA currently sells for 2.81 times book value, compared to the MSCI Europe Index that sells for 1.68 times book value.   The US PE Ratio is 21.2 versus 18.2 in Europe and the average US dividend yield is 2.15% versus 3.69% in Europe.  Shares in Europe on average are a far a better value.

When you use a long time dimension and diversify correctly, investing in value such as this has always created the highest profits and greatest safety.

I use this strategy because using a value strategy also takes the least work and has the lowest stress!

Then I look for ways to add spice and extra profit short term distortions.

For example in 2015 I spotted two distortions.  They were contrasts that  had reaped huge rewards for me and many of my readers 30 years ago.  I quickly issued two reports, one for each trend.  After a  year one of the distortions has already returned 210.58% in the last year.

A new contrast has even more potential in 2017.

One of the reports released, “Silver Dip 2015” looked at potential profits in silver because when the US stock market falls, the price of gold and silver rise.  I have been a gold bug for almost 50 years and spotted this fact long ago.

The “Silver Dip 2016” report reviewed a way to profit from silver and gold because of a mathematical, historical fact.  When the silver/gold ratio rises over 80, silver is more likely to rise than gold.  That ratio is even higher now than it was in 2015 so silver may not create the extraordinary profits this year.

The “Silver Dip 2017” offers a new ideal speculation.

The second distortion, explained below, has greater long term potential and all but guarantees short term profits in gold, silver and the currenct hot speculation.

There is no question that a long term correction is coming.  Only the full timing can be in doubt.  The question we must ask is, “Could the big break come in 2017 and could it break upon us right now?”  The answer is “Yes”.  When the bubble bursts, it can cause the perfect economic storm that makes a few investors, who are ready, rich.

I have been warning readers about this stock market correction (and how to profit instead of lose), since  January 28, 2015.

Zero interest is the sucker punch that can devastate millions of investors.  This is a Ponzi scheme where governments rob money from the future and spend it badly in the here and now.  Each downward economic wave of the last 30 years has created a larger mountain of debt that brings the world closer to an economy where there is no more future money to steal.  The only way governments can afford to borrow more is to take it for nothing.  That’s zero interest.  In worst case scenarios, governments can charge you to borrow your own money.  In Europe some bonds now have negative interest.

shouldn’t pay us anything.  Even worse they could charge a negative interest rate on our bank accounts and lock our money into the system.  The alternative is to invest in a risky, over priced stock market and morbidly weak currency.

Over priced stocks and an over priced US dollar are the third sucker punch!

To date we have been able at least to choose where and in what currencies we invest.  This is where we encounter the one-two-three punch.  The zero or negative interest rate destroys the purchasing power of our savings.  Capital controls lock us into a weak currency or market so we cannot take profits or protect our purchasing power from this inflation and currency loss.

Our savings, pensions and wealth can be floored by a combination of a falling stock market, crashing US dollar and inflation.

The purchasing power of the US dollar will fall.   Trading down is working in many ways.  Even if  pensions can pay what they have promised, the money in dollars won’t buy as much.  Coffee isn’t free with meals.  Many ordinary foods (tomatoes, peppers, almonds and walnuts as an example) and yes, maple syrup become luxuries.

Social Security won’t be as useful either, if it is paid at all.  Could Social Security really default?  The answer is “Yes, it could”.  An October 8, 2013 Reuters article at finance.yahoo said:  “President Barack Obama warned last week that Social Security benefits might not go out ‘on time’ if Congress does not raise the debt ceiling.  Should seniors and disabled Americans really be worried about their benefits if the U.S. government runs out of borrowing capacity later this month?  The answer is YES.”

I can make these predictions based on 30 year trends because I have been writing and teaching global investing for almost 50 years.  Long term experience helps me spot distortions and cycles that have been building for even as long as 30 years.   This experience has helped me steer my readers in the right direction again and again.

I invite you to join me and a small selective group who for the next year will participate in an intensive program called the Purposeful investing Course (Pi). The purpose of Pi is finding value to protect our savings, pensions, income and wealth from these two devastating economic conditions.

I’ve been watching this 30 year distortion take shape and believe that 2017 could very well be the year of a huge shift.

Slow, Worry Free, Good Value Investing

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

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

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

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

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return

#7:  Market history

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

This is a complete and continual study of what to do about the movement of international major and emerging stock markets.  I want to share this study throughout 2017 into 2018 with you.

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

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

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

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

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

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

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.  The two conditions are in place again!   There are currently ten good value (non US) developed markets,  plus 10 good value emerging markets.

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

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

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

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

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

Plus get the $39.95 report, “The Silver Dip 2017” free.

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

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

I updated the special report now “Silver Dip 2017” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share my 30 years of experience speculating and investing in gold and silver.

The low price of one commodity offers special value now so I want to send you this report because the “Silver Dip 2017” reveals how to gain enormous profit potential in the year ahead.

Save $428.95 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 $27  report “Silver Dip 2015” and our latest $297 online Value Investing Seminar for a total savings of $428.95.

Triple Guarantee

Enroll in Pi.  Get the first monthly issue of Pi and the report “Three Currency Patterns For 50% Profits or More” and the online 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 purposeful investing.

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

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

#3:  I guarantee you can keep “Three Currency Patterns for 50% Profits or More” and “Silver Dip 2015” plus the 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 a Pi annual subscription for $197 and receive all the above.

Gary