Tag Archive | "Recession"

Recession Reminder


We can see the future in the news every day. 

Some of it is not good.

We get glimpses of of future events but, there are so many of these warnings and heads ups… that after a while the tendency is to ignore.

At our loss and peril.

This last week there were three reminders about the economic party that’s going on. The music is too loud and the caterers and musicians have not been paid.

These warnings show rising debt everywhere.

In the Wall Street Journal, we see “Household Borrowing Reaches Record $13.3 Trillion as Rising Rates Have Yet to Bite” (1).

This article says: Borrowing has continued at a brisk pace for auto loans and mortgages, as delinquencies remain low

Gradually rising interest rates have yet to dent Americans’ appetite for borrowing, with the total stock of new debt climbing to $13.3 trillion in the second quarter, continuing a gradual rise in household borrowing over the past four years.

Debts rose by $82 billion in the second quarter, driven by rising mortgage, credit-card and auto-loan balances, according to the Federal Reserve Bank of New York’s quarterly report on household debt and credit.

Total debt is now higher than before the financial crisis, when widespread defaults, especially on mortgages, contributed to the longest and deepest recession since the Great Depression. After paying down debt through 2013, in aggregate, consumers gradually began to borrow again, and household debt is now nearly 20% higher than five years ago.

“Aggregate household debt grew for the 16th consecutive quarter,” said Wilbert van der Klaauw, senior vice president at the New York Fed. He said delinquency rates that have been stable for most categories of debt, and falling for student loans, show an “improved labor market.”

Plus same day we also see at WSJ.com article “Overhaul Boosts Credit Scores of Millions of U.S. Consumers” (2) that the system is changing to make more borrowing even easier.  The article says; “Those with at least one collections account removed from their credit reports experienced an 11-point increase, on average”.

This article tells how the three largest U.S. credit-reporting firms changed how they deal with certain kinds of negative credit events that some have said are prone to error and unfairly drag down credit scores.

The firms remove some non-loan related items that were sent to collections firms, such as gym memberships, library fines and traffic tickets. The firms also agreed to remove medical-debt collections that have been paid by a patient’s insurance company.

These debt building facts coincide with more WSJ.com news about growing Federal debt.  The article “Deficit Projected to Top $1 Trillion Starting Next Year” (3) shows the challenge of reducing red ink despite a booming economy.

The article says: The Trump administration expects annual budget deficits to rise nearly $100 billion more than previously forecast in each of the next three years, pushing the federal deficit above $1 trillion starting next year.

The revisions, which went largely unnoticed when the White House submitted its annual update to Congress last week, reflect the cost of federal spending increases agreed to earlier this year and higher interest payments.

The budget proposal released in February showed annual deficits totaling $7.1 trillion over 10 years. The latest revisions increase these cumulative deficits by $926 billion, to $8 trillion.

That’s the warning… rising debt and rising interest rates.

Inflation has been picking up during the booming economy.   This has forced the Fed to raise interest rates.  This pushes up the the Prime Rate, which is the rate that lenders use on consumer credit.  This means banks will increase fixed, and variable-rate borrowing costs.

Credit card rates will rise as well.

This will pinch the economy and especially hurt those who are in debt.

The Federal government will have a hard time helping because a hike in interest rates boosts the borrowing costs for the government and increases the national debt.  A report from  the Congressional Budget Office estimates that rising interest rates mean that the U.S. government may end up paying $2.9 trillion more over the next decade.

2.9 trillion dollars… just in extra interest.  Trillions… let’s have some perspective.  A million seconds is 12 days.  A billion is 31 years.  A trillion seconds is 32,018 years.

There you have it, three tiny lights shining into the fog of tomorrow’s events.  We might not hear the police sirens coming to quieten the jubilee… yet.   Nor can we see the bill collectors coming up the drive way to hammer on the door… yet.

They are still faint whisperings and America’s economic celebration is likely to still be going at dawn.

Those who listen carefully and understand the economic cycle are edging towards the doors, even heading down the exits while the lanes of departure are still clear.

That’s why Merri and I are personally taking profits on assets accumulated during the last recession  and building liquidity.

There is always some disaster coming.  Those without debt, do not have to participate in the downturn.  Disaster creates opportunity for those who have liquid assets when its needed most.

Gary

Seven P Secrets of Self Publishing

When you write, you can work anywhere. 

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

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

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

All I need is my laptop.

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

Before computers, a pencil and pad did the job.

Freedom is just one benefit you can gain from writing.

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

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

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

That’s what he’s doing now.

Hugh Howey

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

Writers like High are great inspirations.

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

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

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

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

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

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

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

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

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

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

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

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

First some history.

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

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

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

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

Self Publishing has become a new business art form. 

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

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

Everything is new… except the seven secrets. 

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

The First P is Passion.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The seven Ps are:

#1: Passion

#2: Problem

#3: Person

#4: Profitably Priced Product

#5: Prospecting Pathway

#6: Promise

#7: Presentation

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

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

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

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

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

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

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

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

Here is a special offer. 

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

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

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

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

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David Cross

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

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

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

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

David is an essential part of our web based business.

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

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

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

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

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

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

Plus you get more in the program.

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

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

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

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

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

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

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

 

(1)  www.wsj.com: Household borrowing reaches record 13.3 trillion as rising rates have yet to bite

(2) www.wsj.com: Overhaul boosts credit scores of-millions of US consumers

(3)  www.wsj.com: Deficit projected to top 1 trillion starting next year

 

Economic Downs & Ups


There are those who gain and those who lose from economic ups and downs.

Of this, we can be sure.

wealth-spread

The chart above comes from a February 2011 News.Yahoo.com article entitled “Separate but unequal: Charts show growing rich-poor gap” by Zachary Roth says: The Great Recession and the slump that followed have triggered a jobs crisis that’s been making headlines since before President Obama was in office, and that will likely be with us for years. But the American economy is also plagued by a less-noted, but just as serious, problem: Simply put, over the last 30 years, the gap between rich and poor has widened into a chasm. There are links to the other charts below.

See below how to help equalize the global wealth and to be sure to be among those who gain.

Here are three other financial realities.

Financial reality #1: Inflation is here.

Financial reality #2: Inflation will make the poor poorer.

Financial reality #3: Some businesses thrive during inflation.

This is why a seminar, tour or events business makes a lot of sense now.

Last week Traveldailynews.com reported that luxury travel rose. Here is an excerpt from the report:  Debbie Joslin, Exhibition Director, ILTM commented: “ILTM’s Global Trends report confirms there is a continued recovery in and demand for luxury travel, as shown by increasing lead times and rates.

A report commissioned by International Luxury Travel Market has revealed the changing pattern of luxury travel demands globally. The report takes into consideration the impact of the financial crisis and the rapid increase in demand for luxury from the emerging markets.
ILTM’s ‘The Future of Luxury Travel’ report – delivered by Horwarth HTL – was published at ILTM Asia in Shanghai – an invitation only event for the most elite of luxury travel buyers from across Asia Pacific to meet with the world’s most incredible luxury travel experiences.
The report highlights four distinct profiles of luxury travellers for 2011/2:
- the independent minded – seeking the authentic, active and personalised
- the explorer – seeking incredible experiences at limitless budgets
- candidates to luxury – seeking high quality, high service
- streetwise purchasers – younger, social media experts.

The emergence of demand changes show that internationally luxury travellers of today look to be entertained and stimulated rather than simply pampered.  The Independent-Minded Luxury Traveller seeks authenticity, simplicity and a commitment to the local environment, paying greater interest in closer contact with local culture as an integral part of their travel experiences. The Explorer too is ready to pay a high price for an outstanding experience off the beaten tracks.

Emerging destinations are increasingly popular, satisfying the demand for the new and exclusive as well as reflecting local experiences. For Candidates to Luxury, time is tantamount and there is a need for all elements of their travel plans to work seamlessly.  Equally important for all three of these groups is the development of the personal relationships between luxury buyers and their clients – ‘knowledge is power’.
Streetwise purchasers increasingly utilise social media in the decision making process of travellers, including the luxury travel element of the market, particularly for obtaining information and comparing rates. These travellers are seeking value for money as well as a return on their personal values.

Debbie Joslin, Exhibition Director, ILTM commented: “ILTM’s Global Trends report confirms there is a continued recovery in and demand for luxury travel, as shown by increasing lead times and rates. The role of the luxury travel buyer and their relationship with suppliers has never been more important as the demand for high-level personalisation continues to grow amongst luxury travellers.”

Our seminar business statistics expansion suggests this is true. In 2008 while many businesses suffered, our events business had its best year. 2009 and 2010 were even better and this year 2011 is on track to be our best year yet.

This growth is at a time when many small businesses are struggling.

An excerpt from a June 2011 nytimes.com article entitled “A Slowdown for Small Businesses” by Catherine Rampell says:  In the latest sign that the economic recovery may have lost whatever modest oomph it had, more small businesses say that they are planning to shrink their payrolls than say they want to expand them.

That is according to a new report released Tuesday by the National Federation of Independent Business, a trade group that regularly surveys its membership of small businesses across America.

The federation’s report for May showed the worst hiring prospects in eight months. The finding provides a glimpse into the pessimism of the nation’s small firms as they put together their budgets for the coming season, and depicts a more gloomy outlook than other recent (if equally lackluster) economic indicators because this one is forward-looking.

“Never in the 37-year history of our company have we seen anything at all like this,” said Frank W. Goodnight, president of Diversified Graphics, a publishing company in Salisbury, N.C. He says there is “no chance” he will hire more workers in the months ahead.  “We’re being squeezed on all sides,” he says.

Yet year in and year out our seminar, tour business has moved steadily ahead.  The stats from our autoresponder system shows the steady growth of the readers of our two main lists.

list stats

Slow, steady growth.

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Now we would like to help you start a profitable seminar-tour-events business.

We have conducted seminars or events or spoken at them in… (alphabetical order)  Australia, Bahamas, Belgium, Belize, Canada, Costa Rica, Czech Republic, Dominican Republic, England, Ecuador, Finland, Germany, Haiti, Hong Kong, Hungary (before the Iron Curtain came down), Indonesia, Isle of Man, Jamaica, Malaysia, Mexico, Netherlands,  Panama, Philippines, Puerto Rico, Scotland, Singapore, Spain, Switzerland, Taiwan, Thailand and at one time or another most of the United States and more.

There is a possibility that  Merri and I know more about conducting events than 99.9% of the people in the world and because so many have asked… we have created a plan to help others in this fascinating, lucrative business.  We want to provide an online correspondence course on how to create your own seminar, tour or events business.

We call this brand new emailed correspondence course:  “Event – Full Business”.

We have completed three lessons and to give you a better idea about “Event – Full Business”. The Introduction Lesson is below.  I am ready to send you the Intro and Lesson #1 of “Event – Full Business” and am ready to accept your enrollment of students in our beta program.

See how to benefit from this first stage in our course development after you have studied this introduction.

“Event- Full Business” – How to Profit Conducting Seminars, Workshops & Tours

Sometime about 24 years ago…. around 1987:

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Photo from www.thetoptensite.com/Niagara_Falls.html

A white water symphony… harmonized in crushed octaves.  A melody amplified by nature’s power and white water sound conducted in the fresh air amphitheater that is Niagara Falls.

Merri and I walked arm and arm along the Canadian side of the falls…overwhelmed by its strength and its spectacular beauty.  We had driven from our home in North Carolina to conduct an International Investing and Business Conference… one of the largest of our own seminars that we had ever conducted…380 people.

We arrived a day early… took a suite with a large red garden tub… soaked after the long journey and then enjoyed the wonder of this natural phenomenon…Niagara Falls.

This was the day to enjoy because the next three we would be busy, very busy… with stress-of course. Marketing had shot past our expectations and this was a large crowd. We would work hard yet we would also earn approximately $142,260 for three days work. Actually more. You’ll see why below.

We have earned in many ways since then… until now… 24 + years later.

This morning a reader enrolled in our 2011 International Club allowing him to attend all the seminars we’ll conduct for the next year.

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

Obviously, something we did for this client 25 years ago brought this extra business to us now.

This fact stimulated me to get on with this course which I have been outlining for some time. A seminar, conference, tour business not only creates unusual profit opportunity now… but when a seminar business is properly run, it can create income for a lifetime!

This course shows how Merri I and have created riches and a lifestyle beyond our wildest imagination.  We want to share steps you can take to create a profitable and fun business conducting seminars, workshops conferences and tours wherever and whenever you like.  (Or perhaps you want to conduct seminars online or live or with a video sent through the internet.)

When it comes to conducting seminars, courses and tours, there are few people with more experience than Merri and me. Over 43 years we have organized, marketed and conducted thousands of tours for tens of thousands of people in dozens and dozens of countries (even behind the Iron Curtain).

This course shares how we have done this… what we did right… what we did wrong… how you can get started and what you can do much better than we have.

Here are the initial lessons in an outline that I am writing.

#1: How to earn millions from seminars, courses and tours. See how we have earned as much as $200,000 for three days’ work. (Once $135,000 in two days.)

#2: How to build a seminar business. See the one day Washington-Atlanta-San Francisco system that helped our courses evolve and how to use this approach to help your teaching grow.

#3: When and when not to use other speakers. Seminars for speakers… a way to get it all out as your bank accounts gets it all in.

#4: How to use other speakers. Gain the key to the room and the people within. Why the golden pen is mightier than a glib tongue, the sword and the overloaded brain.

#5: Dealing with hotels/locations. Why the marketing does not talk to catering who will not communicate with accounting and the mess this could mean for you. How to choose… arrange and survive the hotel. Forget the $11,314 coffee bill… for swill.

#6: Scheduling seminars. Magic dates and times for marketing… how far in advance to market and seminar death dates to avoid.

#7: Creating a back end business. How Merri made $12,936 dollars at a seminar in 37 minutes by just standing still.

#8: Three types of courses… delegate driven… speaker driven… third party driven.

#9: The importance of strategic partnerships for added wealth.

#10: How to market seminars, courses & tours.

#11: List building.

#12: Alternative seminar and course location options.

#13: The benefits of both big seminars and small courses.

#14: How to survive the dreaded problems: What to do when enrollments are low. Handling the heckler, the takeover and the cell phone. When the hotel fails. Surviving speaker no shows and all of those types of things!

#15: How to enhance your other businesses with seminars.

We welcome you to “Event – Full Business”.

We’ll be doing all we can to help you create your riches and a lifestyle beyond your wildest dreams with an events business so your life and income can be filled by events and event full!

The first lesson will look at seminars, workshops conferences, exhibitions, tours, various events, how they differ and their strengths and weaknesses so you can begin to zero in on what would be best for you.

This is the introduction.  We invite you to become a beta subscriber to this new online correspondence course, “Event – Full Business”.

The initial fee for the “Event- Full Business” online course is $499, but as with all of our courses, we provide a substantial discount to our first subscribers as part of a beta development program so they can help us refine the course.

Save Now

In this initial offer, you can enroll for a special initial savings plus we’ll enroll you in our our annual Event – Full Course Update for even more savings you’ll gain next year.

We’ll send you the first lessons immediately and each lesson as it is completed.  Plus we’ll ask for your input.

Never Ending Story – Save Next Year

The world is changing at an ever faster pace, so no course on business remains current for long.  Our events business evolves every year.  Consequently our courses never end… they evolve with our business.

Throughout the year we update, rewrite and expand our courses… adding new tips and share real time what we have learned and what we are still learning.  We show the changes we are making… how and why… in our business through the year.

This continual update is like an Alumni Club. Imagine attending Harvard. After graduation you stay in touch with your fellow students. You share. You help one another. You network and stay up to date. Our online business courses work in the same way so we… all our subscribers… and you,  help the courses evolve and keep pace with new ideas, new technology, innovation and changes in the market place.

Beta subscribers are guaranteed “Events 202” at a special discount when they choose to continue with the course in June 2012.

So you gain more than just savings as a beta subscriber.  The extra added benefit is that you help direct the creation of the course and make it more useful from the very beginning.

Then year after year… as long as you like… you stay in touch with us, our webmaster and with the other subscribers from around the world though a special password protected site.

The first 15 lessons above are set and will be sent regularly. Your questions, comments, actions, successes and failures will help expand and direct this course over the next year.

Learn how to enroll in the online Event – Full Business course by clicking here.

Gary

Here is one of the small event at a retreat we conducted in the seminar hall we built at our farm.

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Our new course “Event – Full Business” shows how to start small and gradually build a larger events business (if that is your desire) as we have done.

We have conducted events as small as two delegates and some with close to 400 so…

ecuador-exports

we know the events business inside and out… large and small. Here Merri and I are speaking to over 400 + people in Quito, Ecuador.

There are innumerable fringe benefits to an events business. For example almost all of our global travel has been tax deductible for all these years.

The pay has certainly not been bad either.  As you’ll see below, one time we earned  $142,260 in three days.  In another instance we earned over $135,000 in two days.  Once our earnings exceeded $200,000 in just three days.

Yet the income has been a small part of this adventure. The expanded horizons… the people we have met… the adventures we have shared… the tens of thousands of delegates we have enjoyed and hopefully helped…. the poor we have served… the freedom we have felt… to be able to go where we desire and come home, when we desire, with more than when we left.

These facts have dramatically enriched our lives….and so many of our delegates.

Now we would like to help improve your lifestyle… if… earning with a seminar, tour events business appeals to you.

Learn how to enroll in the online Event – Full Business course by clicking here.

Gary

Read Separate but unequal: Charts show growing rich-poor gap

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Read  A Slowdown for Small Businesses

Internet Business Haro


New micro internet business opportunities arise all the time… Your own small internet business is a great way to make money… but there is something more.

Cotacachi-Ecuador-Condo-Rent

Morning on Cotacachi Ecuador’s plaza may be foggy but the economy is sunny and bright… and

I was sitting on our balcony at our hotel Inn Land of the Sun (formerly Meson de las Flores) in Cotacachi Ecuador… looking at the sunrise view.

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Mt. Cotacachi was on my left.

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Mt. Imbabura on my right.

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The time was 5:36 am and I began my first round of answering my email.

The first note opened had the subject Om Bir and the email said:  Hello sir,  Nameste. T his is lalit from Nepal. i m working from two yrs. in roses. as a farm supervisor. we are exporting roses to japan.i’ll write you more about company.looking forward your reply.  lalit  kathmandu

What a wonderful way to start the day… I am in a small mountain village getting blessings from someone in mountains half way around the world.  Namaste means “may that which is in God be within you.”

We offer a course to help our readers start their own web business. This freedom not only makes life more enjoyable but also reduces the cost of living.

Technology brings us so many blessings… the things we take for granted… air travel… electricity… computers… cars… the internet… would be considered miracles for 99% of mankind that has existed.

Yet we can with the push of a button gain blessings… and business from around the world.

This is why we are sharing a free course on how to create your own website without a webmaster written by Michelle Toole. Here is the 38th lesson in this course.

What’s HARO?  By Michelle Toole

So you’re interested in starting your own self publishing business on the internet? Or maybe you have a book that you wrote and want to make a name for yourself?    Well, I have a great tip for you…..actually, it’s a great tip for anybody wanting to establish themselves as an expert and this will help you build your own ‘brand of one.’

Editors, as Merri always reminds us, are “always looking for content” and the same goes for reporters, bloggers, radio hosts and pod cast hosts.   So, how do you connect with editors, reporters, bloggers, radio hosts and pod cast hosts that need you?  Good Question….

And I have a great answer…. HARO.  What’s HARO?

HARO stands for ‘Help a Reporter Out’, a web site (helpareporter.com) started by Peter Shankman and it is an excellent resource for those of us trying to build our own ‘brand of one.’

According to Peter, “I built this list because a lot of my friends are reporters, and they call me all the time for sources. Rather than go through my contact lists each time, I figured I could push the requests out to people who actually have something to say.  These requests only come from reporters directly to me.”

Once you sign up to Peter’s web site you will get 3 emails each day.  Each email will include a list of reporters, bloggers, radio hosts and pod cast hosts looking for sources for their stories.  Of course it’s not likely that you will find someone looking for your expertise on a daily basis, but I wouldn’t be surprised if you find something every other month.  It’s certainly worth your time and the best way to build your ‘brand of one’ is to put yourself out there.

Good Luck and happy Branding!…

You can check out Michelle’s web site at http://healthy-holistic-living.com and http://home-remedies-and-natural-cures.com.  To get more great tips, like the ones above and to see how and what tools she used to create a successful on-line business go to http://sitesell-sbi.comInternat Business Ideas

The sun always shines somewhere. Because many Americans are headed south… business is suffering in the north… but getting better n the sun!

Gary

The greatest asset of all is the ability to labor at what you love wherever you live. This brings everlasting wealth.

This is why we are providing a special three for one offer with our  course Tangled Web… How to Have an Internet Business. This can help you create your own internet business.

How We Can Serve You

How to Have Real Safety

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

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

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

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

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

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

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

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

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

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Michael Kepler CEO Keppler Asset Management.

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

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

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

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

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

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

Here is the Pifolio I personally use.

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

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

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

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

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

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

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

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

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

The SSI tells you one of five things:

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

How SSI Alerts Are Triggered

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

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

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Equal Weight Good Value Developed Market Pifolio.

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

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

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

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

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

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iShares MSCI United Kingdom ETF (Symbol EWU)

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

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

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

No  one knows the answer to this question.

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

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

What you get when you subscribe to Pi.

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

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

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

You also receive two special reports.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Details in the online seminar include:

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

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

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

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

keppler asset management chart

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

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

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

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

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

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

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

Save $468.90 If You Act Now

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

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Triple Guarantee

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

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

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

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

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

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

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

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

Gary

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We’ll have Ashe county wine tasting here at the New River Vineyard during our Blue Ridge seminars.

Or head south to Ecuador!

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Let our friendly staff at our Inn Land of the Sun (formerly Meson de as Flores) serve you.

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In Cotacachi and surrounds the weather is always spring like.  Here are delegates taking a shirt sleeve, winter break at a hotel for sale on our Imbabura real estate tour.

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Winter is shorts weather on Ecuador’s coast. Here I am working in February at our Ecuador coastal penthouse… shirtsleeves and shorts!

Join us in the mountains and at the sea. Attend more than one seminar and tour and save.

Power of Global Investing Diversification


There is great power in global investing diversification.

Investment-diversification

Sunrise at our North Carolina farm.  We diversify because the sun always shines somewhere.

Pure capitalistic theory says that in the long run… a global economy is good for everyone….overall.

Technology gives us the ability to buy from those who serve us best, wherever they are  in the world.  Why should we buy poorer quality goods locally at a higher price when someone from elsewhere can serve us better and for less.

Plus if we produce something better than anyone else we should be able to sell our product or service anywhere in the world as well.

Floridians and Californians buy apples from Oregon and North Carolina.

Oregonians and North Carolinians buy oranges from Florida or California because these areas each have special advantages… excellent conditions to produce and deliver those fruits clear across a continent, better and for less.

Global market advantages can be based on geography, infrastructure, skills sets, labor costs etc.

The theory of globalization is good but the process is not smooth. Globalization creates unemployment in many places and distorts many economies in the short term.  This usually pushes the process into the political arena and gets governments involved.  Governments often act based on political considerations rather than for good, long term economic reasons.

Plus business if given a chance… does not always encourage a free economy either.  Give big business a monopoly and they’ll tie up free trade even faster and much more efficiently than a government.

There is little, as businesses or investors, that we can do do to change these facts.

We are usually better off to adapt and take advantage of whatever situation exists instead.

This is what creates power in diversification.

Investment-diversification

Sunrise at our Ecuador hacienda.

The sun always shines somewhere. When our business and investments are diversified, we just have a better chance that our investments and business will be somewhere where there the business climate is sunny.

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

Yet at the same time a Wall Street Journal article entitled “Ecuador Inflation To End ’09 Below 4%”  By Mercedes Alvaro shows that Ecuador’s economy is growing.
Here is an excerpt: QUITO (Dow Jones)–Ecuador’s inflation rate will end 2009 below 4% and the economy will grow close to 2% this year, President Rafael Correa said Wednesday.

“The annualized inflation will be below 4%,” Correa said late Wednesday in a radio and TV address. “There is not recession. Ecuador will have a growth of about 2%.”  “We have faced the biggest world crisis successfully,” Correa added. Early Wednesday the central bank said the Ecuadorian economy overall is poised to expand 1% in 2009.  Ecuador’s gross domestic product grew 6.52% in 2008 while inflation reached 8.83%.  According to central bank data, Ecuador’s liquid international reserves stood at $4.0 billion as of Aug. 21.  Last week, the central bank president, Carlos Vallejo, said that the government will repatriate in the coming days some $300 million of Ecuador’s liquid reserves invested abroad.  Ecuador’s liquid international reserves include public-sector deposits with the central bank, revenues from oil exports, loans from multilateral lenders and minimum reserve requirements from private banks.  In May, the central bank established a liquidity requirement forcing private banks to keep at least 45% of their assets and investments in Ecuador to draw back cash and boost domestic liquidity.

Investment-diversification

Sunrise on…

Investment-diversification

Sunrise over Mount Imbabura.

Because I am diversified in Ecuador, Georgia, Florida and North Carolina, in 2007, I was selling Florida property at the top of the market.  I was buying Ecuador real estate with those returns. Now that Florida  is down and Ecuador real estate has risen,  I am selling Ecuador real estate and buying in Florida.

A huge portion of all profits in business and investing come from timing.  Most commodity, stock and real estate markets go through ups and downs.  If you plan your investments and liquidity so you sell only at favorable times, global investing diversification enhances your chances of always having assets someplace where there is a seller’s market.

Investment-diversification

Sunrise shot from our hotel Meson de las Flores.

So when you think Ecuador… or Mexico or Panama… or wherever…. also thing diversification.  The sun always shines somewhere and your changes of financial suntans increase when you diversify.

Gary

The greatest asset of all is the ability to labor at what you love wherever you live. This brings everlasting wealth.

This is why we are providing a special three for one offer with our  course Tangled Web… How to Have an Internet Business

This course can help you create your own internet business.

Our emailed course “Tangled Webs We Weave – How to Have Your Own Web Based Business” is a continuing educational program.  You receive the first 28 lessons when you enroll and a new lesson every week or two.

This course teaches how to create a web based business and is developed from the ongoing experiences that we have from our successful and profitable internet business.

This course is well worth the enrollment fee of $299… but currently you also receive two additional courses FREE.

The other two courses are #1: International Business Made EZ, and #2: Self Fulfilled – How to be a Self Publisher.

These two courses have sold for $398 and thousands have paid this price. We add them to your course, at no added cost, as I believe they will help you develop a better business in these crucial times..

Even Better Get All three Courses Free

To make this offer even more compelling,  I am giving everyone who enrolls in our North Carolina or Ecuador International Business & Investing seminar in October or November all three courses, “Tangled Web… How to Have an Internet Business Course,”  “Self Fulfilled- How to be a Self Publisher” and “International Business Made EZ” free.

internet-business-idea We always conduct our autumn North Carolina course on the first weekend of October… the best time to enjoy  the leaf change.

Join us with Jyske Bank and my webmaster David Cross in West Jefferson North Carolina. Learn more about global investing, & how to have an international business at the seminar.

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

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You’ll see views like this on your way to West Jefferson for the October seminar.

Or head south to Ecuador!

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October 16-18 Ecuador Southern coastal tour ONLY FOUR SPACES LEFT

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

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In Cotacachi the weather is always spring like.  Here is the village plaza near our hotel Meson de las Flores.

Join us with Peter Laub of Jyske Global Asset Management in Ecuador. Learn more about global investing, how to have an international business at the seminar.

Nov. 6-8 IBEZ Ecuador Seminar

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Let our friendly staff at Meson de las Flores serve you.

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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This shorts weather photo was taken from our beach penthouse in February.

Join us in the mountains and at the sea.  Attend more than one seminar and tour and save even more plus get the three emailed courses free.

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

Attend any three Ecuador courses or tours in a calendar month…$1,199 for one.  $1,799

Read the entire article Ecuador Inflation To End ’09 Below 4%

Self Publishing Gift


A self publishing delegate sent the note below… a gift to me because I love seeing people have success… especially when they have  attended one of our courses.

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Spring on our farm.  As we adjust to the seasons, we must adjust to changing economies and times.

See how Todd Smith’s note below can be a gift to you as well.

In October 2005, I attended Gary’s “Self-Fulfilled” course on how to become a self-publisher.  At the time, I was a successful wedding photographer in Richmond, VA, and while I enjoyed my work, it didn’t completely fulfill my creative desires.  There are things you never get to express when you are working for clients.

I wanted to create a photography job that would fulfill me as an artist and give me the potential to scale my income instead of working by the job as a wedding photographer.  In the end, there are only 52 weekends a year, which means there was a cap on my wedding income potential.

Gary’s course was packed with knowledge and practical tips of how he has created and run a self-publishing business for decades.  I loved his simple description of self-publishing:  “to inform.”  He encourages his students to pick something that they are passionate about and to make that the basis of their businesses.

I love nature photography, flowers, landscapes, travel etc.  I also love spirituality, and I was a monk for a number of years.  Combining these two loves I started a free email newsletter two years ago to share new photos and to share my own uplifting observations or experiences every week.

People tell me that they look forward to my email every Thursday… some call it therapy, others pray that it will never stop.  Everyone agrees that it is a highlight of the week.

“Beautiful newsletter!  Soft and lovely way to start the day.”  Jean Byrd Frederick, MD

“You are such an artist Todd, your words paint a picture!” Bernie Koftinoff, Kelowna, BC

This newsletter has become the basis of my business.  It accomplishes two things:  1. It gets me out taking new pictures every week and hones my writing skills.  2. It keeps my work in front of people who like seeing it.

When I first published a wall calendar two years ago I sent a message to my list of 120 readers and I sold 150 calendars! If you take care of your readers they will pay you for your efforts.  This year I printed 1000 calendars and have already sold 53 in just one week in the middle of August without strongly promoting it.

As I continue to build my business through search engine optimization and promotions to other lists my base of loyal customers is growing.  Gary detailed in his course everything I needed to know to make this happen.  From time to time I look back at the huge manual he gave us as part of the course material and I discover another creative way to improve my marketing.

Publishing is a very old profession, and it is all about marketing.  The biggest piece of advice I learned from Gary’s course was “write the marketing piece before you create the product.”  Gems like this have kept my business on target in early growth phase which devours many startups.  Thanks to Gary I’m not completely flying by the seat of my pants!

I love the way Gary uses publishing to create a lifestyle that is fulfilling to him.  I use it in the exact same way.  While there is a lot to do in the startup phase, everything I do is cumulative, allowing me more and more free time to do what I love:  take photographs and enjoy a pace of life which is not breakneck.  When I was on the course four years ago, I told him I wanted to step out of the rat race.  By becoming a self-publisher I have done just that.  I can speed up or slow down my business as I like and I can choose what I want to publish.  It is a business that allows maximum freedom in life.

If you like working for yourself on your own hours and are considering becoming a self-fulfilled publisher like me, I highly encourage you to take Gary’s course and learn from someone who has been doing this successfully for years.  He certainly gave me a boost, and I still use many of things I learned four years ago in my business today.  Todd

This is nice to read… a benefit to me.  There is a benefit for you as well.

As a special promotion to my readers Todd is offering a 10% discount on his 2010 photography calendar.

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You can purchase Todd’s calendars here.  Merri and I already have received ours that we ordered for friends on our list.

Just add the calendar to your cart and use the promotion code, “garyscott” to receive a 10% discount when you check out.

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Summer on the farm.  When opportunity is hot we must seize it!

Knowing how to earn through your own internet business grows in importance as unemployment grows and more importantly as types of employment shifts.

Excerpts from the September 5, 2009 Wall Street Journal article, “Job Losses Weigh on Recovery Layoffs Slow but Unemployment Rate Hits 9.7%, Highest Since 1983” by Sudeep Reddy shows that getting a job is a diminishing option.

Here is the excerpt: Nonfarm payrolls fell by 216,000 jobs in the month, fewer than the 276,000 lost in July, the Labor Department said Friday. The economy has shed 6.9 million jobs since the recession began in December 2007. The data reinforced expectations that employers will begin adding jobs by early next year, though the pace of job creation remains uncertain.

The latest figures are consistent with an economy pulling out of the deepest downturn since the Great Depression. But rising unemployment portends persistent weakness in consumer confidence, income and spending, even as manufacturers start bouncing back and stocks revive. The construction and manufacturing sectors together accounted for more than half of August’s job losses. Losses in retail and business services narrowed. The biggest gains came in health care.

The rise in unemployment, after dipping to 9.4% in July, came as more Americans returned to the work force. Teenage unemployment hit 25.5%, the highest since the government began keeping records in 1948. Most economists expect the rate to top 10% in coming months and stay over 9% through 2010.

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Autumn on the farm. When times change, we must embrace change.

Even more important is the fact that when the economy recovers the types of jobs available will have changed.  Older workers and graduating students may especially be affected.

Excerpts from a September 8, 2009 article “Job change takes on a new meaning”
in the Chicago Daily Herald show how greater skills will be required. The excerpt says: If this recession has taught us anything it’s the times they are a changin’, especially when it comes to business and the labor market. And, we must coach not only unemployed workers, but also high school and college students to recognize that and look to where the jobs will be in the future when considering a career.

The reason is pretty clear. Some bellwether corporations have gone bankrupt, entire industries are rethinking and reshaping their business plan; several traditional can’t miss careers are no longer sure things.

The American work force was sent reeling by corporate cutbacks. The jobless rate now flirts with 10 percent, and the economy has shed nearly 7 million jobs since the start of the recession.

Those numbers reflect laid off workers, but they also affect graduating students unable to start their career because no jobs are available.

And, that’s why workers – current and future – need to think change.

Energy jobs, especially at companies stepping up environmental initiatives, are expected to be an area of growth.

Do you have an interest in global business? It’s more important now than ever to ask two key questions when investigating a career choice: Where will the jobs be in the future? And what do I have to do to get one?

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Winter on our farm. When times are harsh, we must bundle up, hibernate or move to warmer spots… like Ecuador (see below).

Merri and I love seeing people succeed.  We can all have success when we embrace change!

Please send your stories of job change success and see below how we can help you succeed.

Gary

The greatest asset of all is the ability to labor at what you love wherever you live. This brings everlasting wealth.

This is why we are providing a special three for one offer with our  course Tangled Web… How to Have an Internet Business

This course can help you create your own internet business.

Our emailed course “Tangled Webs We Weave – How to Have Your Own Web Based Business” is a continuing educational program.  You receive the first 28 lessons when you enroll and a new lesson every week or two.

This course teaches how to create a web based business and is developed from the ongoing experiences that we have from our successful and profitable internet business.

This course is well worth the enrollment fee of $299… but currently you also receive two additional courses FREE.

The other two courses are #1: International Business Made EZ, and #2: Self Fulfilled – How to be a Self Publisher.

These two courses have sold for $398 and thousands have paid this price. We add them to your course, at no added cost, as I believe they will help you develop a better business in these crucial times..

Even Better Get All three Courses Free

To make this offer even more compelling,  I am giving everyone who enrolls in our North Carolina or Ecuador International Business & Investing seminar in October or November all three courses, “Tangled Web… How to Have an Internet Business Course,”  “Self Fulfilled- How to be a Self Publisher” and “International Business Made EZ” free.

internet-business-idea We always conduct our autumn North Carolina course on the first weekend of October… the best time to enjoy  the leaf change.

Join us with Jyske Bank and my webmaster David Cross in West Jefferson North Carolina. Learn more about global investing, & how to have an international business at the seminar.

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

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You’ll see views like this on your way to West Jefferson for the October seminar.

Or head south to Ecuador!

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October 16-18 Ecuador Southern coastal tour

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

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In Cotacachi the weather is always Spring like.  Here is the village plaza near our hotel Meson de las Flores.

Join us with Peter Laub of Jyske Global Asset Management in Ecuador. Learn more about global investing, how to have an international business at the seminar.

Nov. 6-8 IBEZ Ecuador Seminar

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Let our friendly staff at Meson de las Flores serve you.

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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This shorts weather photo was taken from our beach penthouse in February.

Join us in the mountains and at the sea.  Attend more than one seminar and tour and save even more plus get the three emailed courses free.

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

Attend any three Ecuador courses or tours in a calendar month…$1,199 for one.  $1,799

Read the entire articles: “Job Losses Weigh on Recovery
Layoffs Slow but Unemployment Rate Hits 9.7%, Highest Since 1983″

Job change takes on a new meaning