Tag Archive | "Sandalwood"

Stock Market for April Fool’s


Since this is April Fool’s Day it seems a good time to reflect on the importance of value investing and how stock market traders can fool investors.  Here is an excerpt from a value update in our Purposeful investing Course.

A lesson in value.

sandalwood

Share chart of TFS Corporation at www.finance.yahoo.com

In early 2014 we issued a report “A Most Valuable Investment” at this site (1).

The report said:  We are continually updating our research on sandalwood investing. We have added a business that is scheduled to earn $3.57 billion Australian dollars over the next 15 years (its share price is projected to rise 1000% in the next decade) into our Sandalwood Investing Report. You can research this business on your own (the company is called TFS Corp. and it is listed on the Australian Stock Exchange) or to save you endless hours and numerous calls to Australia you can order the report at Amazon.com.

TFS Corp. shares were $1.19 per share at that time and the price skyrocketed to over $2.00 per share but (as the chart above shows) has fluctuated wildly since then.

In February 2017, three Australian analysts (2) in Feb all maintain buy recommendation with expectations of share price over $3.

Then in March, the company rebranded and changed its name to Quintis as it expanded its focus from growing trees to marketing its product to the perfume, pharmaceutical and skincare trade.  The company controls around 80 per cent of the world’s rare Indian sandalwood and because of its rarity there is a lot of fraud in the industry.  Quintis wants a brand that assures consumers that the products are sustainable and ethical.

Natural resource companies have long been the targets of stock manipulation and the TFC (now Quintis) shares are no exception.  They are one of the most shorted shares on the Australian stock exchange… one reason for the volatility .

During the name change one big short selling form took advantage of the confusion and produced a report that was sure to create volatility.

A Barron article “Short Seller Glaucus Takes Aim At TFS, Says Shares Are Worthless – TFS Fires Back, Reiterates Guidance.”(3) tells the story.  In a report issued Wednesday, the U.S. research firm criticized TFS – which this week changed its name to Quintis – for having a “Ponzi-like structure.” The Perth-based company says it’s the world’s biggest manager of commercial sandalwood plantations. Indian sandalwood is used in incense, perfumes and traditional Chinese medicine.

The shares plummeted.

Quintis responded: ” The report is a self-serving report by a shorter of the stock in an attempt to drive TFS’s share price down for their own financial gain.  There are substantial and egregious inaccuracies littered throughout the report which could have been avoided had the report’s author contacted the Company”.

I checked with the analyst who helped me originally assess the value of this company.  He wrote:  “The Glaucus report isn’t worth the paper it’s written on in my view. TFC  (now QIN) have put out a detailed rebuttal which appears valid. Nonetheless, Glaucus did a great job of launching a bear raid, with superb timing.”

Then the founder and CEO of Quntis (TFS) resigned and is working with a third party to launch a takeover.

The shares rose on this news.  Fools were slaughtered by this sideways move.

The key to value investing, is to spot good value and buy for the long term.  Do not get caught up in the short time economic news.  Share prices are manipulated everywhere, especially with volatile shares.

Good investing requires three assets; comfort, value and time.  In my investment with TFS Corp, I have comfort due to my understanding and knowledge of Sandalwood.  When I invested, my analysis was based on financial news that suggested that over ten years the shares could rise to be worth $10 per share.  In the $1.20 range, they were great value.  I made the investment knowing that there is always something I don’t know, but with a ten year time frame, the true underlying value will direct the ultimate share price. I rarely look at the fluctuations.

Risk is always with us and is our friend when we use math to see through the economic noise and invest in mathematically based financial data.  The data has not changed and suggests that the shares are worth over $3 per share now.  When they sell in the US $1 range, that’s good news!

Gary

(1)  Sandalwood, A Most Valuable Investment

(2) Quintis.com.au: Broker research

(3) blogs.barrons.com: Short seller Glaucus takes aim at Quintis

“If I Live Long Enough, I’ll Really Cash In Next Time”

Periods of good investing performance are always followed by periods that are bad.

Think about this…

The US dollar rose almost 50% above its lows of 2011.   Last year the greenback was at its highest level versus the Chinese yuan since 2008.  India’s rupee was also at an all-time low against the buck.  Other Asian currencies, the Singapore dollar and Malaysian ringgit have plunged to depths not seen since the financial crisis of 1997-98.  The euro, Mexican peso and Canadian dollar had crashed.  In other words, the US dollar has been in a period of high performance.

The greenback is in a free fall.

Yet there is a bigger economic problem that can ruin the purchasing power of your cash faster than you can imagine.

While the dollar was rising non US governments and businesses accumulated almost ten trillion dollars of debt denominated in US dollars.

The terror in this debt is that it acts as a destructive and very rapid financial amplifier.  Dollar debt is like a short position.  When the dollar rises, borrowers scramble to short-cover their position by selling their own currency.  This defeats the purpose of their hedging as it increases the strength of the dollar.  So they short even more.  Those short sales create an upward dollar spiral.  The buck rises higher and higher, based entirely on fear and speculation.

When that leverage energy is spent the currency stalls and plummets out of control… like now.

The last time we saw such a upwards spiral was from 1980 to 1985.  The dollar rose 50% in those five years.

Guess what?

Then it collapsed 50% in just two years.

The US dollar is in a similar position as at the beginning of Ronald Reagan’s first term.  This was a time of widening budget deficits, rising interest rates and a US dollar surge.  This created a problem then, as it does now, and creates huge opportunity for those in the know.

The rise of the dollar, the debt and the US stock market creates an especially dangerous conflict because Donald Trump wants to balance America’s trade.  A stronger dollar makes this impossible because it pushes up the cost of US material, US labor and US exports.

The overpriced dollar, the poor value of the US stock market (compared to other markets) create a dollar crisis and a special opportunity for you and me as investors.

“If I Live Long Enough, I’ll really cash in next time”.    I made this promise to myself in the 1980s.   A remarkable set of economic circumstances helped anyone who spotted them become remarkably rich.  Some of my readers made enough to retire.  Others picked up 50% currency gains.  I invested as much as I could handle then as the profits rolled in for about 17 years.  I had wished I could have invested more.

Now those circumstances are headed our way again.

And I have…

invested more… a lot more.

The swollen stock market prices, huge dollar denominated debt and weakening dollar are three patterns that can create a fast 50% profit.

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.

There is a way to accumulate good value equities denominated in the following currencies of special strength, including the Euro, Canadian dollar, Singapore dollar, British pound, New Taiwan dollar and Chinese yuan.

The report reveals 21 special non dollar equities that have the greatest opportunity for safety and appreciation.

I kept the report short and simple, but include links to 153 pages of global stock market and asset allocation analysis so you can keep this as simple or as complex as you desire.

The report shows 22 good value investments and a really powerful tactic to use that allows you to inexpensively accumulate these bargains now even in very small amounts (even $5,000).  There is extra profit potential of at least 50% so the report is worth a lot.

Research shows that most people worry about having enough money if they live long enough.   I never thought of that.   I just wanted to live long enough to see the remarkable economic opportunity that started in 1980 come again so I could hit the jackpot.  This powerful profit wave has begun.  I have made the investment myself  suggest you investigate this in my report “Three Currency Patterns For 50% Profits or More.”

Order the report here $29.95

My Guarantee

Order now and I’ll email the online report “Three Currency Patterns For 50% Profits or More” in a .pdf  file right away. 

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 within 60 days and I’ll refund your subscription fee in full, no questions asked.

You can keep the report “Three Currency Patterns for 50% Profits or More”  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.

Order the report here $29.95

 

 

 

Thanks – My Greatest Fear


Happy Thanksgiving Day.  I am most thankful that one of my great fears has been unfounded.  Merri’s and my friends Candace and John Newman have operated the Oil Lady essential oil business for nearly 30 years.  We have been among their best customers. We have gotten our essential oil perfumes, deodorants, soaps, shampoos, healing oils and gifts for our family since Candace began.

“What will we do when they retire” was a big question I asked myself again and again?  No longer.  Oil Lady Aromatherapy has been taken over by TK and Jesse Rodriguez.  They are keeping the same formulas and exacting care as John and Candace. We have met them and feel that this precious business could not be in better hands.

Essential Oils make great Christmas gifts.  After all the three wise men brought gold and essential oils.

frankincense

Oil Lady Frankincense and Myrrh tin.

The original Christmas gift was essential oils were frankincense and myrrh the essential oils.

These oils along with Rose Maroc all have a wonderful perfume and provide the huge benefit of reducing stress.

Anxiety is a natural response to stress.  Too much of it creates health risks.  For example, anxiety can cause memory loss and even double the risk of Alzheimer’s disease.  A team of researchers from the Alzheimer’s Disease Neuroimaging Initiative  did a three year study of 376 patients between the ages of 55 and 91 years-old. These patients had memory loss but not enough to be at risk because most people lose memory as they age.

The study showed that the subjects with more anxiety saw faster mental decline than those without it.  The greater the anxiety the faster memory capability was lost.  Subjects with the most anxiety had the fast loss and over twice the risk for Alzheimer’s Disease because anxiety shrinks the area of the brain that controls memory.

Numerous essential oils can help lower stress and reduce anxiety.  Rose Maroc, frankincense and myrrh are among the best essential oils for this process. They have the unique ability to calm the mind and body and improve performance.  I use these oils to sleep as well as perform better because they help me into a state of relaxed concentration.

rose maroc

Rose Maroc, frankincense and myrrh essential oils are available at a special low price for Christmas .

Other Christmas Essential Oils

Oil Lady Aromatherapy offers many wonderful Christmas gift oils during her Christmas sale ends December 15, 2014. Essential oils make great Christmas gifts. What better time to give frankincense and myrrh?

Click to go to the Oil Lady Aromatherapy Christmas sale.

Secret of the Hogberry

Gain Amazing Health Benefits with the Hogberry

More than 100 studies have found that physical activity can lower cancer risk and even help cure cancer.  Fortunately researchers asked why and one answer became clear.  Body fat.

Studies showed that those who were most active have a 25% lower chance of developing cancer because reduced body fat is possible pathway to lowering cancer risk.  Time Magazine has some good information on the relationship between exercise and reducing cancer.  Have a look below if you want to research more deeply (1).

intermittent fastng

Graph showing benefits of intermittent fasting.

Fortunately there is a little known way to reduce body fat that does not even require exercise.  I’ll share more on this secret in a moment.

First, body fat and cancer?   Let’s ask why?

Part of the answer is toxicity.

Healthy bodies naturally and regularly remove water-soluble toxins from the body.  Our blood and kidneys flush them away.

Fat-soluble toxins such as metals, pesticides, preservatives, other pollutants are harder to flush out of the system.   Fat-soluble toxins must become water-soluble before the body can get rid of them.  The liver can do this conversion (bile emulsifies fat-souble toxins into water-soluble).  This process requires healthy digestive and detox pathways.  When they become imbalanced, fat-soluble toxins are stored in fat cells and brain cells instead.   These toxins can remain for decades and create health problems.

The fat stored toxins cause oxidation (free radical damage) and degeneration as well as mutation.  Toxins in the fatty tissue of the brain become neurotoxins that can cause cognitive problems and a host of mental and brain imbalances.

The way to avoid this storage of deadly toxicity is to keep stress down, while digestion and detoxification pathways remain good.

Burn Fat to Burn Toxins

When you burn fat not primarily for weight loss, (though you will lose weight) but for purification, you can turn on the body’s detox fuel.  Fat metabolism is the body’s natural form of energy.   Fat metabolism provides a more steady energy than glucose metabolism and flushes fat cells free of toxins.  As the toxicity drops, the nervous system has reduced stress and will naturally burn fat instead of sugar.

Intermittent fasting is one way to get the body to burn fat.  There is a way of eating that helps reduce weight, improve energy and purify the body as it returns to a state of natural health.

This is a simple easy way to improve and restore feeling good, but works best when combined with better nutrition, moderate exercise and a purification program that helps make sure that the body is not overwhelmed with too much purification at once.

This is why I have written a short report entitled “The FAST Way to Better Health” that features one special tea so an intermittent fasting routine becomes doable and enjoyable.

The Key is in the Hogberry

Intermittent fasting is guaranteed to work, if you have even reasonable nutrition, moderate physical activity and stick with it.  The problem is in the sticking.  When the brain is hooked on metabolizing sugar it can be very demanding.   When we try going an extended period without a sugar, the brain will have a hissy fit and demand that we eat or drink something sweet or starchy or alcoholic.

Sticking through a fast just does not work when the brain pulls out its bag of tricks, from sweet whispers (just one chocolate won’t hurt- but it will!)  all the way to chills sweats and dizziness.   Intermittent fasting, without help, can require enormous discipline that most of us cannot maintain long enough.

I know, I tried intermittent fasting several times and failed.  Then I accidentally stumbled across the secret of the Hogberry that not only stops hunger but more importantly speeds up the process of switching from sugar metabolism to fat metabolism AND assists in the purifying process.  Once I tried using this support for the pancreas (among other things),  intermittent fasting became satisfying and enjoyable.  I am passing 45 days in this routine, and the steady energy just gets better and better.  I am not minding the reduced weight and better fitting clothing either!

“The FAST Way to Better Health” explains how intermittent fasting is not real fasting.  One does not stop eating with an intermittent fast, not even for a day.  You learn why this is such a healthy way to lose weight and detoxify fat cells to reduce risks of cancer, heart disease diabetes and senility.

More important you learn how to feel better almost from the very first day.  Reduce stress, gain smooth steady energy without 10:30am and 3:00pm  droops. Find out how to avoid being hungry right after you eat and how to make the cravings for sweets and junk food all but disappear.

I will send you this report “The FAST Way to Better Health” that reveals the secret of the Hogberry, FREE when you order my Shamanic Natural Health reports described below.

This is the only way to attain this report.  Intermittent fasting can make your life better. It works best when you use the nutritional, exercise and purification tips outlined in these three reports.  As with all my reports and courses, satisfaction is guaranteed or your money back.  I want to be sure  that the information in “The FAST Way to Better Health” works for you.  The valuable knowledge you’ll gain in these reports works better when the nutrition, purification and exercise reports are combined so I have made a special offer.

I have created three shamanic health reports are about:

#1: Nutrition

#2: Purification

#3: Exercise

In this special offer I want to send you a special report on how you can gain better natural health with the hogberry along with three other reports that reveal secrets of health and longevity.

The Secret Chargemaster Revealed

Few places can destroy health and ruin a lifetime of savings faster than a hospital.  We are at risk from pocketbook surgery and the incredibly dangerous “Chargemaster”.   See below why chargemasters were normally kept secret, how a 2018 federal law requires their disclosure and how to gain protection from their abuse.

How can it be that medical costs are so high? Why is it so difficult to figure out the charge for a medical procedure?

The government in trying to help answer these questions began requiring hospitals from Jan. 1, 2019 to post their chargemaster lists.

These enormous lists of products and services ranging from a single aspirin up to a complicated surgery does little to answer these questions.

This very weak attempt to create transparency only provides data that is difficult to decipher and is mind-boggling for the consumer.

Chargemasters can include tens of thousands of items and procedures, with technical names and abbreviations that few can understand.

Plus when one goes into the hospital no one knows exactly what items and procedures will be necessary since treatment can vary widely based on the age and health and condition.

So listing the chargemaster isn’t helpful or meaningful, but simply gives hospitals one more excuse for outrageous costs… “but we listed what these costs”.

Modern American health care is under pressure.  Despite horrendous costs, the system is faltering.  At times the care is more dangerous than the illness.  For example hospitals are the worst place to have a heart attack.  The University of North Carolina, did a study and found that 40% of the patients who had hearts attacks in the hospital died before being discharged.  (The study compared that with only a 4% death rate for those who had heart attacks outside the hospital.)

Plus it was recently revealed that medical endoscopy scopes in hospitals were infecting patients with deadly drug-resistant bacteria.  The facts about this had not been previously disclosed.  The Centers for Disease Control and Prevention (CDC) estimate that hospital-acquired infections alone kill 99,000 people each year.  Here is an even worse hospital mortality fact.

CDC Stats

Click on image.

The image above shows a report from the Centers for Disease Control & Prevention.  Hospital-acquired infections alone kill 57% more Americans every year than all car accidents and falls put together.

Often, what patients catch in the hospital is 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 2013 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 because of the secrets in the chargemaster and the people who do 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.

hospital bill

The hospital bill above is part of a story about a $110,000 infection and why hospital “chargemasters” are often secret.  This story tells how one person with resistant devastating infection ran up a $110,000 hospital bill only to find that Medicare would only pay $2,300 from treatment of infection.

Secret of the Chargemasters

Being in a hospital can kill as well as cure.  There are odds on that.  What is more certain is that hospitals can kill our finances.

The ‘average’ cost of hospital care is rising because the leading hospitals are front runners in figuring out how to amass market power so they can  raise prices and decrease competition.  A codeine pill that costs $20 at a hospital costs 50 cents at Rite-Aid or Walgreens.  Hospitals have “chargemasters” a price list created by each hospital, that typically has more than ten thousand entries, so almost nothing — even an aspirin, a bag of IV fluid, or a visit from a physical therapist to help a patient get out of bed — is free.  However, those lists are usually secret.

Hospital Failure

The Commonwealth Fund in its latest survey on overall health care ranked US healthcare dead last compared to 10 major countries.  Despite being worst, USA Today, Wall Street Journal, Forbes, New York Times have all warned about huge, increasingly costly, health care changes.  There are enormous problems in hospitals and chances are they are going to get worse.

When it comes to health care, we may well be on our own.  The very people, institutions and establishments that  we should rely on may actually hurt rather than help our health.  Shamanic Wisdom accumulated over the millennia can fill the gap.

The way to escape the dangers of the high cost deteriorating health care system, is to not need it.  Declare health independence… and create natural good health.  There are dozens of simple, really low costs steps that can improve health… eating, purification, exercise, even the way we think and don’t think when we sleep.

Ancient shamanic wisdom from around the world can help us reduce our risks of poor health care and help us fight the ever rising costs.

For nearly 50 years my wife Merri and I have lived around the world and checked out just about every source on natural health care.  We have spent years living with natural health care insiders, and trying what they offered.

We took thousands of readers to Ecuador.  Many met the shamans there and we saw some health miracles take place (including a miracle with me!)

Since not everyone can go to Ecuador or travel the world, we have created three Shamanic Natural Health Care Reports that can help improve our natural health.  They are concise and to the point.  In 15 minutes the first report shows exactly how to start preparing for better health and more energy.

We do not have to depend on the health care and health insurance monopolies for better natural health… or cave into a healthcare system that can put us at risk and charge outrageous prices at the same time.

Our shamanic health reports provide information on how to use ancient health care systems to become more healthy –  self sufficient – providing our own good health.

The first report is “Sunski”, the Andean word for good eating, for maximum nutrition and purification.

We started the series with eating because so many of our readers have found the Andean shamanic nutrition helps them kick start their health with weight trimming.  Here is what a few readers have written to us:

These are typical notes I have received from readers.

*  “Hi Merri,  things have worked out well.  I am healthier than I have ever been, lost 32 pounds since arriving in Sept.  Bought a house and have finished the first level.  What an amazing place you have found”.  Thanks Phil – Ecuador

*  “We’ve decided to change our eating patterns since we came home because we so enjoyed our meals at the farm and how we felt physically.  Thanks so much. With love” JJ New – Chicago

*  “After eating all that delicious food I gained 3 lbs but it must be in muscle weight as my pants fit loosely!”  R Vickers – New Mexico

*  “The food was so delicious and I thought I ate a lot, but during the week I lost six pounds!”  WB Australia.

Good eating is the first step towards natural health. The first rule of good health is getting the correct nutrition.  The second step is purification of toxins and eating to avoid getting impurities in our body in the first place!

Sunski is a way to eat that strengthens and purifies as it stops adding toxicity from eating.  Yet Sunski is a delicious, healthy “self defined” cleansing process.  One lesson in Sunski shows how to correct a simple mistake that most of the Western population makes which increases the chances of adding and retaining weight by 84%.

“Sunski” combines lessons about healthy eating that we learned from years of working with ayurvedic health masters and then living with an Ecuador Taita Yatchak and his apprentices.

We lived, worked, farmed, cooked and ate with this Taita Yatchak for years while learning “Sunski”.

shaman

The “Sunski” report has been 50 years and millions of miles of travel in the making.

We’ve invested thousands of hours into learning the skills of health self-reliance and resilience, identifying the best foods and combinations and sifted through loads of seeming contradictions to get to the facts about “do it yourself” longevity and natural health.

But that wasn’t enough – not when our good health is on the line.  So we consulted dozens of top professions who know a lot about natural health.  We spoke with holistic MDs chiropractors, Indian Vidyas, Andean Yatchaks, and other self-reliant natural health experts who live this way every day.

Don’t let the simplicity fool you…  years of research went into these reports.

And we only kept the best of the best: this system is complete – and FAST to learn – so you can get started immediately.

We all need to stay out of hospitals and reduce our exposure to modern medical risks and costs.

Why re-invent the wheel?  Especially when time is NOT on our side.  We’ve already done the hard work for you pulling together the information so you can create better natural, good health.

Imagine… never worrying about what we eat ever again and reducing the risks of hospitalization and health care’s outrageous costs.

A few of the life balancing nutritional tips include how to:

#1: Eat a balance of fat, carbohydrates and protein.

#2: Eat combinations of food for ideal digestion.

#3: Eat clean organic food prepared and served by happy, joyful people.

#4: Eat in good spirits at the right times of day.

#5: Chew in the correct way.

#6: Eat purifying and satisfying meals.

#7:  Adapt eating habits that are suited to individual specific makeup and lifestyle and why such individualized nutrition is better than any specific set plan.

This report includes a complete list of EZ to use recipes that will immediately improve your short term energy… and your long term natural health – so that you never have to guess what foods you need (or rely on the health care establishment  to tell you the truth).

Here are a few facts and health tools you gain:

*  The single biggest constraint you’ll face in your eating habits  – and how you can eliminate it by adding two simple recipes to your Sunski system.

*  How to calculate exactly how much food you need so you don’t over or under build your nutritional plan.

*  A simple solution for making sure that your food delivers what your body needs when you need it.

*  What components you can choose for yourself and how to avoid mass diets that seem to work for every one except… you.

*  The best long term solution for avoiding sugar.

*  Use sweet spices to compensate for stress.

*  Specific types of unique spices that give you the biggest energy bang for your buck.

*  Spices that cleanse and purify.

*  Three changes in your fruit consumption that is a critical component for long term purificatioN.

*  The best times to eat specific foods.

*  How to direct different foods to different parts of the body.

*  Three teas that add a resilience to your natural health system that are easy to make and enjoy at home at a low cost.

*  Why it is good (in fact almost a requirement) to sometimes eat junk food.

This report on nutrition also includes  23 special recipes of quick and easy but perfectly balanced meals and snacks.

quinoa pancakes

One of the recipes is for high protein Chocolate Quinoa Pancakes.

All of this information is in “Sunski” the first of the three shamanic health reports.

Special and delicious, but fast and healthy recipes.

Merri received this note from a reader:   Merri, your wonderful cooking deserves very special thanksEverything was delicious. I’m now using close to your ingredients but I miss a lot in the result and long for a recipe or two.” Nancy H – Ireland

These recipes are easy to make, delicious to eat, inexpensive but balanced and healthy foods prepared in a shamanic way.

Recipes include:

  • Carrot Cake Quinoa Brownie with Stevia
  • Thermos Quinoa Kichiri
  • High Protein Veggie Almond Savory Cottage Pie
  • Mild Turmeric Curry
  • Low Carb Quinoa Tapioca Crumble
  • Merri’s Blackberry Crumble with Quinoa and Stevia
  • Merri’s Quinoa Strawberry Shortcake
  • Merri’s Quinoa Corn Bread
  • Merri’s Quinoa Corn Bread Dressing
  • Quinoa Risotto With Arugula and Parmesan
  • Timbal of Quinoa topped with Ginger or Parmesan Cheese
  • Quinoa Gazpacho With a Sherbert of Coriander
  • Quinoa Taboleh
  • Mango Quinoa Salad
  • Quinoa Avocado Curry

All of these recipes are in “Sunski” just one of the three shamanic health reports.

Merri received this note from a reader:   Merri, your wonderful cooking deserves very special thanksEverything was delicious. I’m now using close to your ingredients but I miss a lot in the result and long for a recipe or two.” Nancy H – Ireland

These recipes are easy to make, delicious to eat, inexpensive but balanced and healthy foods prepared in a shamanic way.

Learn how nutritional secrets can help keep you out of the hospital.

These reports focus on how to have good natural health so you can remain independent and avoid costly medical care.  The second report looks at purification and detoxification.

The third report is about exercise… but not the type you would think.

Unlock the Mystery of Key Muscles

For example this third report unveils one exercise that is a nutritional trick  that has nothing to do with what we eat.  The trick is to energize and coordinate the digestive system by exercising a set of key muscles as we eat.  The body has a number of key muscles that regulate breathing, digestion, circulation, elimination and muscular motion.  The report  reveals an exercise you can do at the dinner table to energize these muscles which in turn coordinate every other muscle and organ in the body.  Eating in this way for example (most of the modern world does not) energizes just one key muscle that regulates part of our ability to burn sugars and fat.

Part of the report focuses on how to have financial balance in investing and business so you can remain independent.

The report looks at oxygenation, coordination, purification, energy boosting, education, occupation and relaxation.

Oxygenation-Coordination:  Learn how to gain extra oxygen with the Llama Walk.

Purification: We look at Andean purification herbs and purifying teas.

Energy Boosting: Eating balanced, correctly prepared organic food and drinking herbal teas designed for body type and body imbalances.

Occupation: Physical labor, suited to your body type and condition range from gardening and animal care to path building and clearing the woods.

Relaxation: Learn how Meditation, L-Thianine and Baroque Music enhance thinking and relieve stress.

Body Types Made EZ:  Learn how they cause and influence nine body types and their imbalances.  Discover seven easy ways to determine your body type and how to keep it in balance.

Healthy Eating Made EZ:  Gain delicious, power packed weight reducing recipes from easy to obtain products from super market foods. Coddle Yourself Egg-High Protein Country Cottage Pie-Low Carb-Veggie Chile & Spaghetti- Weightless Bread-High Mountain Pure Protein Quinoa-Better Oatmeal of Steel- Several Soups for Super Strength-Berry Good Crunch Treat and Waist Less Apple Crumble are just a few.

Exercise for Strength and Better Health Made EZ:  Medicine is dose.  Too much exercise is as bad or worse as not enough. Learn how to let comfort be your exercise guide. Move with momentum-some exercises activate all muscles and provide the benefit of leverage, momentum and convenience so 12 minutes of exercise a day is enough. Blend body and mind-Alpha exercises take you into the zone so you win from the inside out.  Spin and bend-blend exercise secrets from India, the Andes and the East for easy and better health.  The Gentle Touch-if you have to breathe through the mouth you have done too much.

Here is what others have said about this information:

Though I ate more than ever, my weight dropped and I lost two inches off my waist.” – S.H. Oregon

The life path altering effects from the weekend with you and Merri continue. Thank you again. I have begun to change my diet. Bless you!” – D.B. Connecticut

You are indeed a spiritual pioneer, blending disciplines to create tools and resources for success in this new land of opportunity.  Anyone who thinks this is just all about money is missing the real message: This is about life in its most profound implications.” – W.P. Australia

I want to thank you for the wonderful time. I travailed from California to hear you convey your knowledge in the way you do so well, and I wasn’t disappointed.  The amount of information in the sessions was almost overwhelming, but it’s exactly what I went to hear.” – B.R. California

The technical information I gathered was most not new to me, but I like to compliment you for putting it all in the right perspective and to make it very understandable to all.  What was at our opinion one of the most important gaining of these 3 days is the opening of the new world, this new circle of what you call ‘normal’ people! (I call us ‘not normal’ as a matter of respect to the majority.)  But as we know, all is relative and depends at the point of view of each, His spiritual mind and his opinion about the senses of our being.” – E.V. Florida

People who, among other things, are active and productive and creative and resourceful, whose word can be counted upon; People who realize that spirituality DOES NOT mean sitting in a cave contemplating your navel and weaving baskets, nor does it equate in the Western culture with living in abject poverty.  People who realize that abundance is not a dirty word. People who understand that we are here to ENGAGE life, not to submit to circumstances out of fear and ignorance and apathy; People who don’t just use the most current ‘buzz words’ so they can feel like they are part of the group, but who actually DO something… Builders. Thank you for showing up in my life.” – E.W. Nevada

Good health is the most important asset in stressful times.  Beyond the fact that modern health intervention (ie. hospital) can destroy one’s finances, being in good health brings the energy and balance required to make sound investing and business decisions.

There are many ways to improve health naturally.

universal-frequency

Watching the sun rise promotes good natural health for example.  Our use of color and observing the correct colors (frequencies) at the correct time are important.

We have been incorporating the ideas of how natural health promotes everlasting wealth into our courses and seminars for decades and this report covers them all.

Here are 11 main points covered in the reports.

#1: Quantum mechanics, frequency, health &  wealth.  How they all connect.

#2: Three aspects of being – air – fire – water… how to balance and integrate them.  How a moonlight stroll reduces the risks of excessive adrenaline.

#3: Three ways to integrate brain waves and be in the zone… 60 cycle sound… L- theanine and meditation.

#4: The Andean – Indian Connection.  How Ayurved and Andean relate.  Three fundamentals of longevity. Eat right, work well and sleep soundly.

#5: How dis-ease develops and is stopped with nutrition, exercise and purpose.

#6: How to use cleansings. Melon, pineapple, apples-grapes, vareshna, chelating, cinnamon-sweet pepper tea, steam and mists.  Teas: How and when to use cedron, chamomile, lemon verbena, peppermint.

#7: Ways to relax.  How to use chamomile, valerian, lettuce and milk, hot water, vata press. Ways to calm down. How to use peppermint tea, aloe, cream massage, frozen grapes.  Ways to wake up. How to use cinnamon tea, paprika, cloves, ginger, ginger-black salt and lemon juice.

#8: How to use, colors and sound to stimulate organs and glands.

#9: EZ Shamanic exercises-yoga, llama walk, lizard, sun salute, crab and mouth release, ring chew, etc.

#10: How to use the senses, taste, six flavors.

#11: How to use essential oils to balance wellness.

Here is a special offer available for subscribers to Truth & Plenty.  When you order the three shamanic health reports that normally sell for $19.95 each, you save $19.95 plus get a report on the hogberry free.

More important you learn how to feel better almost from the very first day.  Reduce stress, gain smooth steady energy without 10:30 am and 3:00 pm  droops.  Find out how to avoid being hungry right after you eat and how to make the cravings for sweets and junk food all but disappear.

I will send you this report “The FAST Way to Better Health” that reveals the secret of the Hogberry, FREE when you order my Shamanic Natural Health reports described below.

This is the only way to attain this report as it is not for sale or available to the general public.  Intermittent fasting can make your life better. It works best when you use the nutritional, exercise and purification tips outlined in these three reports.  As with all my reports and courses, satisfaction is guaranteed or your money back.  I want to be sure that the information in “The FAST Way to Better Health” works for you.  The valuable knowledge you’ll gain in these reports works better when the nutrition, purification and exercise reports are combined so I have made this special offer.

Here are three shamanic health reports about:

#1: Nutrition

#2: Purification

#3: Exercise

Order all three Shamanic Natural Health Reports worth $59.85 for $39.90 and save $19.95. 

Order all three Shamanic Natural Health Reports worth $59.85 for $39.90 and save $19.95.  Plus you receive the report “The Fast Way to Better Health” and  our 60 day, full satisfaction or full, no questions asked, refund.

The Risk of Leverage


There is reward and risk in leverage.  Let’s look at the potential of investing in sandalwood investment to better understand this fact.  There are two ways to invest in sandalwood.

One approach is to buy a plot of sandalwood tress and have TFS Corp manage the grove for you.

The other approach (that I use and recommend if this type of investment fits your plans and circumstances) is to invest in the shares of TFS Corp (symbol TFC-AX). This is the only commercial sandalwood plantation that has shares offered on a market (The Australian bourse) that I have found.  In January 2014, we recommended investing in these shares.  The price was $1.19 per share at that time.

TFS Corp

Chart from www.finance.yahoo.com

Shortly after the recommendation the share price scorched up to $2.25.  Then the price plummeted to $1.29.   Talk about a roller coaster!  The share price is very volatile.

A reader who has been tracking TFS and the idea of leveraging investments sent this note that stimulated me to write this message.

I would like to encourage you to study the idea of buying a grove of Sandalwood from TFS Corp utilizing leverage by borrowing the AUD with USD’s.   There is a good play on the stock as well.  TFS says that their harvest this year will be ’10x’ last years.

Here are some thoughts on why I would NOT recommend leverage in a grove or for TFS Corp shares.

The first idea, to borrow money to own a grove that TFS Corp manages, has three difficulties.  First, few banks (especially non Australian banks) would accept the grove as collateral.  Second, the nature of grove investments is many years of loss before a big profit comes at harvest.  Leverage would most likely come from borrowing short and investing long.  That is always a bad idea.

Leveraging an investment as volatile as TFS Corp shares also has greater than normal risk.  TFS shares have a volatility quotient over 40.  This means that share prices can swing 40% up or down in the normal course of business.  Shifts in parity between the US and Australian dollar can increase this swing.

Take, for example, an investment of $50,000 in TFS Corp shares.  Let’s say a broker would offer margin at a loan to value ratio of 50% (doubtful, but perhaps).  This provides another $50,000 to invest so $100,000 would be invested in shares with a $50,000 loan.

This doubles the investing power.  This also doubles the risk.

If a broker would allow this much leverage, (I am not sure they would), $100,000 invested at the current price of $1.60 buys 62,500 shares.

If the price rises 40% (.64 cents) to $2.20, the 62,500 shares are worth $140,000.  The loan payoff is $50,000 (plus interest) and approximately $90,000 is left.  The investment was only $50,000 so the profit is about $40,000!

Wow… that’s great.  Right?  Yes it is, but first, let’s look at the downside.

The price can drop 40% instead, just in the normal course of business.  A .64 cent drop brings the share price to .96 cents.  The 62,500 shares are worth $60,000.   The loan is $50,000. The loss is $40,000 and at the loan to value ratio of 50% , the broker wants $40,000 added to the account.  In fact the broker would have asked for more almost as soon as there was any significant price drop, which is why the margin would be hard to obtain in the first place.

When we recommended this share in 2o14, we stated that this was a long term investment with a long term ten year view.  The potential at that time was a 1,000% rise over ten years, but with significant ups and downs.  The volatility prohibits the practicality of normal stop losses or risk protection tools.  This is a win or lose all, long term speculation in its truest form.

I believe in the future of sandalwood.  TFS Corp is the only logical way I know of to invest.  However, each investor needs to make sure that the nature and volatility quotient of each investment makes suits their overall financial strategy.

When making your plan and investments, if you use leverage, make sure you weigh the risks as well as rewards before you take up any loans.

Gary

Protect Your Wealth From Mistakes

Here are three steps to multi currency profits.   Seek value.  Cut losses.  Take profits.

Quotes from three great value investors support this thought.

Be fearful when others are greedy, and greedy when others are fearful.” Warren Buffett

“In the short run, the market is a voting machine, but in the long run it is a weighing machine.” Ben Graham

We don’t have to be smarter than the rest. We have to be more disciplined than the rest.” Charlie Munger

We do not have to be brilliant to preserve our wealth.  When it comes to investing, discipline can make you smarter than the smartest man in the world.

sir issac newton

Sir Isaac Newton is widely regarded as one of the most influential scientists of all time.  His role was key in the scientific revolution.

His book “Mathematical Principles of Natural Philosophy” laid the foundations for mechanics.

He supplied a foundation to optics.

He helped develop modern calculus.

Newton formulated the laws of motion and gravitation and confirmed the heliocentric model of the cosmos.

Newton built the first practical reflecting telescope.

His theories about color and cooling and the speed of sound were spring boards in physics.

In math, Newton contributed to the study of power series, the binomial theorem to non-integer exponents, and a method for approximating the roots of a function.

He is said to have been the greatest genius who ever lived!

But Sir Issac Newton also lost his shirt in the stock market.  His comment was “I can calculate the motions of the heavenly bodies but not the madness of the people.

Sir Issac forgot the intelligence in seeking value. He ignored the fact that buying and selling discipline is more important than being smart.

How can we gain this discipline?  Discipline comes from simple math which is why two of the three exports I use in my Purposeful investing course (Pi) and mathematicians not economists.  I am happy to introduce an investing math program that instills investment discipline in our Pi course.

Use math, not emotion to protect your wealth.

There are time tested mathematical systems that can help you know when to take profits that maximizes gains and minimizes loss.

These systems help you seek value but also create disciplined exit strategies because one of the toughest decisions most of us have is to know when to sell a rising or falling share.

Human nature makes it harder to let winners run, than to cut loses.

Let’s look at a real time example of how purposeful investing strategies can increase profit.  In this real example, in 2002 Merri and I invested in Jyske Bank shares.  We were visiting the bank with a group of readers.  We had been in Copenhagen for several days and took the group out to the bank’s headquarters in the small charming village of Silkeborg.  We visited the CEO (who has been a friend for many years) in his new modest offices, saw the bank’s new currency trading room and visited with the Jyske Invest Fund Managers.  What impressed us was the conservative and balanced thinking throughout the bank.  There were no staff limos or corporate jets.  The CEO’s office was small with walls of glass so staff could see him at work.  The bank worked for and talked about the long term view.

TFC Corp

Jyske Bank share price since September 2002.

We invested in Jyske shares at DKK96.50 on 2nd September 2002. We sold half in April 2006 at DKK352.50.  The share price of the remaining shares we hold have never dropped below our purchase price.  Today the share price is over DKK300 again.

Could I have done better with a mathematical system?  I asked Dr. Richard Smith, CEO of Tradestops.com,  who has a PhD in mathematics and is one of the experts we use in our system, to see how his trailing stops strategy would have increased my profit.

It turns out I could have done better.  Much better.   Here is the chart of the trailing stops that his strategy would have given me had I been using it.

magci calculator

Click on image to enlarge.

Let’s look at three scenarios to show the difference in profit between using simple buy and hold with no stops, my system of taking back the original investment and the Trailing Stops strategy.  For simplicity sake, I am not including dollar to Danish kroner fluctuations.  The forex fluctuations would make a difference if calculated in US dollars performance but we’ll analyze that element of the invest in another message.

Scenario #1: DKK100,000 becomes worth DKK350,158.  Profit is DKK241,880 in 15 years.  In this scenario we assume a DKK100,000 investment.  The investment is at DKK96.50 so 1036 shares were purchased.  The assumption in this scenario is that all the shares have been held.  The price of today’s quote (April 23, 2015) is DKK330.  The value is DKK341,880 on DKK100,000 invested.

Scenario #2: DKK100,000 becomes worth DKK357,679. Profit is DKK247,840 in 15 years.  Assume again, DKK100,000 investment.  1036 shares were purchased at DKK96.50.  In this scenario, (what I actually did), 285 shares when the price reached DKK352.50.  This returned my original investment appx. DKK100,000.  The remaining 751 shares at 330 (4/22/2015 price) are still held so are worth DKK 247,840.  This represents a total profit of  247,840.  This is a little better than keeping all the shares,  except the shares sold in 2006 created new opportunity potential for nine years so this scenario is actually much better than the numbers appear.

Scenario #3: DKK 100,000 becomes worth DKK1,156,069.  Profit is DKK1,056,069 in 15 years.  As in the other two scenarios there was a DKK100,000 investment.  1036 shares were purchased at DKK96.50.

Dr. Smith, backtracked to and see what the system would have done would with this share.

Richard sent the exact dates with buy and sell numbers:

Exit @ 325.50 on 6/13/2006.  All the shares are sold bringing in DKK337,218.

Buy @ 321.98 on 10/9/2006.  The DKK337,218 buys 1047 shares.

Exit @ 404 on 6/8/2007.   This sale grosses DKK422,988

Buy @ 118.5 on 3/20/2009.  The DKK422,988 buys 3,569 shares

Exit @ 170 on 8/10/2011. This sale grosses DKK606,730

Buy @ 173.40 on 2/1/2012.  The DKK606,730 buys 3,499 shares

Still in @ 330.4 on 4/22/2015. The share value at this time is DKK1,156,069.

Wow, what a difference if one followed and used the trailing stops.  The trailing stops and re buy signals increase the investment by 11 times versus 3.5 times in the other scenario.

The Jyske shares have a volatility quotient at this time of 15.5% so would create a sell signal at around DKK287 at this time.

These scenarios are based on approximations and do not include trading costs, management fees, etc. so the real money in the bank would not be exactly this amount.  For our analytical purposes this study suggests that trailing stops help us protect the successes we gain in spurts.

This type of math creates great discipline so you know not to sell too soon and give away profit but, also know not to hold too long and give away returns already made.

Yet using trailing stops only works when you have good shares to begin.

To easily spot good value, we use Keppler Asset Management  as our first source of data.  We follow the analysis of our friend, Michael Keppler.

Michael Keppler is an expert on stock market value and I have worked with him for nearly 30 years because the best way to create long term multi currency investment profits is to get good value in the shares you buy.

Michael 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.  From this he develops his Good Value Major Stock Market Strategy, an analysis that is rational, mathematical and does not worry about short ups and downs.

Fwd: keppler

Michael Keppler.  In my opinion, Michael is one of the best market statisticians in the world.

Numerous very large fund managers use his analysis to manage funds. In January, his company, Keppler Asset Management, was, for the third consecutive year, named Best Fund Company in the Fund Specialists’ category by Capital, a leading German business magazine.  Keppler’s firm was one of only six out of 100 companies tested that received the highest five-star rating based on an independent evaluation of fund quality, management, and customer service by Feri Rating & Research and Steria Mummert Consulting.

Yet you have not heard about Keppler nor can you hire his services because he only serves mutual funds and institutional investors for investors in Europe.

This is why I want to introduce you to our Purposeful investing Course (Pi) with this special offer.

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 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.

Your subscription will be charged $299 a year from now, but you can cancel at any time.

Gary

 

 

 

 

 

 

 

Weird Stanford Touches on Value Investing


Let’ see if we can derive some insights on value investing  from a weird Stanford touch.

Wednesday’s message What Can You Do About Pensions looked at how many pensions were screwed when the Sequoia Fund was flattened by its 30% holding in the price gouging pharma company, Valeant.  That firm’s share price dropped almost 90% in the last year.  One lesson on how to avoid this type of rip off was  to avoid the Golden Boy Syndrome.  I wrote:

Look out for 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.  Anytime anyone acts as if they are doing you a favor taking your money… BEWARE!

So the New York Times article “College Admissions Shocker”(1) about Stanford University caught my attention.  Stanford University cemented its standing as the most selective institution of higher education by having a zero acceptance rate for the 2020 class from record-setting number of applications.

For example, they turned down a young lady who, at age 17, had already performed surgery, because “it wasn’t open-heart or a transplant or anything like that”.

One 15 year old applicant blamed his parents because they had earlier sued to let him begin kindergarten ahead of schedule.  “If I’d been held back a year, I would have been applying to the Stanford Class of 2021”, was his comment.

Why would a school do this?   The article says: Over recent years, Stanford administrators noticed that as the school rejected more and more comers, it received bigger and bigger donations, its endowment rising in tandem with its exclusivity, its luster, a magnet for Silicon Valley lucre.

This sounds much like the Golden Boy Syndrome to me.  Wanting something because you can’t have it is not a foundation for finding value.

But Stanford’ aloofness is not the point.  The lesson we can derive comes from the reaction of other universities.

The article goes on to outline how university administrators at other institutions were upset because their acceptance rate was too high.  One school’s reaction to create demand is:  “to send every high school senior in America who scored in the top 4 percent nationally on the SAT a complimentary spray bottle of Wharton: The Fragrance, which has a top note of sandalwood and a bottom note of crisp, freshly minted $100 bills”.

I am not sure how fragrance will enhance a school’s reputation but I am all for it because of one word… get ready for this… Sandalwood.

Those who have been reading this site for the past few years know that I am a fan of sandalwood.  A couple of year’s ago I invested in (and still hold share in) TFS Corporation, an Australian Sandalwood grower and manufacturer.

I was so enthused about TFS Corp. (Australian stock exchange symbol TFC:AU) that I co-authored with Candace Newman, the essential oil expert,  The Sandalwood Investing Report which was published and is still available at Amazon.com.  My first recommendation for this share was in a February 2014  message “A  Most Valuable Investment”.  I wrote:

A Most Valuable Investment

Click on title “A Most Valuable Investment” to read entire 2014 message.

The shares at that time  (marked with arrow) were $1.12.  Despite a bumpy ride (more on this in a moment) they were $1.69 yesterday.

TFC Corp

TFC Corporation share chart at au.finance. yahoo.com (2)

That report by the way is still available at Amazon.com. No fundamentals have changed except we have two years of extra price history on the shares.

Screen shot 2014-01-28 at 5.28.13 PM

You can get details or order the Sandalwood Investing Report at Amazon.com Sandalwood Investing Report details at Amazon.com

Yet the lesson we can gain is not really about sandalwood either.

The bigger lesson and point of this message is to remember that Golden Rule of Investing #1; “There is always something we do not know”.

I have no idea if all the top students in America being exposed to a fragrance with a hint of sandalwood will increase the demand for this rare essential oil.  That’s the point.  Everyday, there are almost infinite numbers of extremely tiny events that we will never notice or think about.  Any one of them could have huge profound impact on our lives.

Since we cannot know what the future brings, we need some other way to gain information about where we should invest.  One approach is to gain information about investing ideas with value analysis.

For example we don’t know all the forces that will impact the value of sandalwood long term, but we can look at what analysts say about the short value of TFS shares.

The analysts at capitalcube.com recently issued a report “TFS Corp. Ltd.: Gathering momentum, can it sustain its performance?” (3).

Here are some points to consider about the value of  TFS Corp. shares.

  • Australia is a good value market according to Keppler Asset Management.
  • The Australian dollar has been artificially depressed versus the US dollar so it should provide a forex profit boost.
  • The long term supply demand for sandalwood is very strong.
  • TFC-AU‘s share price performance was a -9.84% over the last 12 months. This is below its peer median but its 30-day trend in share price performance of 27.41% is better than the peer median.  This recent rising stock price may herald a change in relative share price performance.
  • TFS Corporation Ltd’s current Price/Book is at a discount of 0.89, a  good value.
  • TFC-AU‘s relatively high profit margins are burdened by relative asset inefficiency.  This means there is even more profit potential.
  • Changes in annual revenues (relative to peers) are better than the change in its earnings (relative to peers), implying the company is focused more on revenues. (reflects potential for growth).

The company’s return on assets over the past five years suggest that its relatively high operating returns are sustainable.

All of these factors suggests that shares in TFS Corp offer a good value now, but this is still a long term speculation.

TFC Corp

This relative value assessment from the capitalcube.com analysis linked below shows how the TFS Corp. share price performance is leading its sector.

Each of us should ask how much we can afford to allocate to a speculation of this nature?  This is a personal decision because we each have a unique risk tolerance.  When our risk tolerance is out of line with the risk profile of our investments, we’ll make more poor emotional decisions than wise investments.  See how to balance risks at “Risk Balance Thoughts“.

Stanford University’s “Golden Boy Syndrome” means that most people won’t get to school there, but this does not mean the school can’t provide us with some lessons.  One lesson is that even weird action, like Stanford’s zero applicant acceptance creates a ripple effect that creates a future where there is always something we cannot see and do not know.  This is why we use financial information rather than economic news to find investing value.

Gary

(1) www.nytimes.com  College Admissions Shocker

(2) https://au.finance.yahoo.com/echarts?s=TFC.AX

(3) http://www.capitalcube.com TFS corp gathering momentum can it sustain its performance

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 2018  $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

7 Elements of Investing Success


There are seven elements of portfolio management that help value investments.   None of these elements have to do with investments.  All have to do with the investor

Before any investor looks at any investment, he or she should have asked (and answered) the following questions.

#1: What is the purpose and commitment of the investor?

#2: What is the time horizon of the investments?

#3: Is the goal of the portfolio, income, accumulation or both?

#4: Will currency positions be hedged or not?

#5: Is leverage to be used or not?

#6: What is the Volatility Ratio Percentage Sizing of the portfolio?

#7: Will the portfolio use active management or passive?

Once these elements are decided,  then any investment can be filtered through.

To clarify the importance of this process, let’s take an example of how these elements lessons can be applied  to a specific share.

The share is TFC Corp Ltd, an Australian company in the business of growing, processing and selling sandalwood.

TFS Corp Share Chart

Click on TFS Corp share chart to enlarge.

The first article at this site recommending these shares  was entitled “A Most Valuable Investment” and sent to readers on February 4, 2014 when the share price was $1.15 per share.  The shares rose dramatically almost double to $2.19 per share, before crashing back to $1.29 a share.

Since February 4, 2014, until yesterday, the TFS Corp share price has risen to $1.67 or 48.23%.   This is a respectable appreciation, but as the chart shows, there has been enormous volatility.

Most investors will have been happy to make 43.23% in the last 18 months, but based on the seven elements of portfolio management, this is not a good investment for everyone.

Shares in TFS Corp are not good value shares.  The Volatility Quotient (according to a Tradestops review) of 1.40 is too high, The company is too new and there is so much volatility that this is a share to buy and hold regardless of where the price falls.   This is a long term, speculative investment.  A trader speculator could have purchased this share in Feb 2014 and set a trailing stop, but the shares are so thinly traded and price moves have been so abrupt, that only the most disciplined investor would have captured the $1.15 to $2.19 move.

TFS Corp is a perfect investment for me because (as stated in 2014) I first knew Sandalwood essential oil, having used it for decades and believe in it.  Merri and I support trends away from big pharma and believe in the medicinal use of sandalwood oil.  We feel that there is a great purpose beyond making money in this investment.

Because our income is sufficient, this is an accumulation investment with a ten year time horizon for us.  In ten more years when Merri and I are in our 80s, we may need extra cash and the analysis of  this business suggests that a 1,000% profit is possible over ten years.  This is our target, a win or lose speculation for 10 years that may create a ten times return that could be helpful in our later years.

The shares (and earnings) are in Australian dollars.   Because I believe in currency diversification, holding Australian shares fits our parameters so we do not hedge the AUD.   We are not leveraging any of our portfolio at this time and especially would not leverage such a volatile share.  Our investment in TFS Corp represents around 1% of our portfolio so this does not throw our Volatility Ratio Percentage Sizing  out of balance.

Our portfolio is broken into two parts, passive and very active.  This share fits in our passive portfolio. Buy it and watch it go from $1.15 to $11 or zero. I do not trade the share, look at its price moves often, nor have I set any trailing stops.

Hopefully looking at the thought process in these seven steps of portfolio management will help you make better investing decisions, that will make your investing, more comfortable, safer, profitable and meaningful for you.

This is a bit of a complicated process that we review in our Purposeful investing course.  If you have questions about any one specific aspect of this process, please send me a note and I’ll try to answer it in an upcoming message.

Screen shot 2014-01-28 at 5.28.13 PM

Sandalwood Investing Report details at Amazon.com

Gary

Join us we have a couple of places left for the seminar this weekend.

Gain From the Volatility of the Next Four Years

However America’s politics turn out, one thing is sure.  There will be volatility in stock markets during the next four years.

The first reason markets will bounce has nothing to do with politics or policies.   The market’s downward shift is simply due regardless of the party or the person in office.

Second the new politics will create an uncertain era. Everyone is shaken whether they are pleased with the election or not and nothing frightens markets like uncertainty.

Third we’ll see rising interest rates over the next 48 months. This will push markets down.

Despite these pitfalls, there is a way to profit using the downtrends  to pick up good value shares.

During nearly five decades of global investing I have noticed found that good value strategies increase through bull markets and bear, through good presidents and bad.  The steps to take are simple.

The first tactic is to seek safety before profit.

We can look at Warren Buffett’s investing strategy as an example.  Buffett success is talked about a lot, but rarely does anyone explain how he make so much money.  That was the fact until some researchers really stripped his operation bare.  They looked at everything and learned the deepest of Buffett’s wealth management secrets.  Fortunately they published all in a research paper at Yale University’s website. that reveals important truths about extending wealth.

This research shows that the stocks Buffett 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).

The second tactic is to maintain staying power.  At times Buffet’s portfolio 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 outperformance 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.

The Buffett strategy integrates time and value for safety and profit.

A third tactic is using limited leveraging, tactic in the strategy boosts profit.  Buffett leverages his portfolio at a ratio of approximately 1.6 to 1.   The Yale published research paper shows the leveraging methods used by Warren Buffett to amass his $50 billion fortune.  The researchers found that the returns from Buffett’s investment company, Berkshire Hathaway, far outweighed those achieved by any rival that has operated for 30 years or more.  The research shows that neither luck nor magic are involved.  Instead, the paper shows that Buffet’s success hinges on using leverage at the rate of 1.6.

To sum up the strategy, Buffet uses limited leverage to invest in large purchases of “cheap, safe, quality stocks”.   He limits leverage so he can hold on for very long periods of time, surviving rough periods where others might have been forced into a fire sale or a career shift.

Stated in another way buffet uses logic (buy good value) to have the conviction, wherewithal, and skill to invest with leverage over many decades.

What do we do when we are not Warren Buffett?

May I introduce the Purposeful Investing Course (Pi) for those who want to invest like Warren Buffet, but know they are not.  This course is based on my 50 (almost) years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy Extending Wealth

Pi’s mission is to make it easy for anyone to create a three point strategy, like Buffett’s even though they do not have a lot of time for or knowledge about investing.

Pi reveals investing secrets and the sciences that make investing easy, safer, less time consuming and increases the chances of profit.

One secret is to invest with a purpose beyond the cash.  One tactic as mentioned is staying power.  This means not being caught short and having to sell during a period of loss.  This also means having enough faith in a strategy that we stick to the plan.  When we invest with purpose, doing what we love, we enjoy the process more and are more likely to hold on during down times, when most poor investors panic and sell.

Slow, Worry Free, Good Value Investing

Stress, worry and fear are three of an investor’s worst enemies.  They create the Behavior Gap, a trait exhibited by most investors, that causes them to underperform any market sector they choose.  The behavior gap is created by natural human responses to fear.   Pi helps create profitable strategies that avoid losses from this gap.

Spanning the Behavior Gap

Behavior gaps are among the biggest reasons why so many investors fail.  Human evolution makes fear the second most powerful motivator.  (Greed is the third.)  Fear creates investment losses due to behavior gaps.  Fear motivates us more strongly than desire.  By nature investors are risk adverse.

Winning investors though embrace risk because they have a plan based on good value.

Purpose is the most powerful motivator,  stronger than fear and greed, so a strategy with purpose is the most powerful of all.

Combine your needs and capabilities with good value secrets and the math to back up your value selections through the Pifolio – The Pi Model Portfolio

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 (often created by someone with vested interests) and is based entirely on good math.

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 follow this research of a brilliant mathematician and have tracked this analysis for over 20 years.    This is a complete and continual study of international major and emerging stock markets.

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 matches this mathematical certainty with my fifty years of experience. This 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.  There is so much more to write and 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.

Leverage

Pi also explains when leverage provides extra potential without undo risk.  For example in 1986 I issued a report called “The Silver Dip” that showed how to borrow 12,000 British pounds (at almost 1.6 to 1 dollars per pound the loan created US$18,600) and use the loan to buy 3835 ounces of silver at around US$4.85 an ounce.

Silver had crashed, I mean really crashed from $48 per ounce.  As prices decreased from early 1983 into 1986, total supply had fallen to 449.7 million ounces in 1986.  Mine production was restricted by the low prices at this time, with silver reaching a low for this period of $4.85 in May 1986.  Secondary recovery also was constricted by these low prices.

Then silver’s price skyrocketed to over $11 an ounce within a year.  The $18,600 loan was now worth $42,185.

The loan was in pounds and in May 1986 the dollar pound rate was 1.55 dollars per pound.  So the 12,000 pound loan purchased $18,600 of silver.  The pound then crashed to 1.40 dollars per silver.  The loan could be paid off for $13,285 immediately creating an extra $5,314 profit.  The profit grew to $47,499 in just a year.

Conditions for the silver dip have returned.  The availability of low cost loans and silver are at an all time low.  The price of silver has crashed from nearly $50 an ounce to below $14 as did shares of the iShares Silver ETF (SLV).

silver chart

(Click on chart from Google.com  (1) to enlarge.)   Imagine investing in a spike like this… with leverage!

At the same time the silver gold ratio hit 80, a strong sign to invest in precious metals.

I have updated a special report “Silver Dip 2016” about a leveraged silver speculation 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 gained through 30 years of speculating and investing in precious metals.  While working on the report, when the gold silver ratio slipped to 80 and the price of silver dropped below $14 an ounce, I knew I needed to share this immediately.

I released a new report “Silver Dip 2015” so readers were able to take advantage of these conditions and leverage 1.6 times as a speculation.  That report generated profits as high as 212% and a revised 2017 issue has been produced.

“The Silver Dip 2106”  sells for $39.95 but  you receive  “Silver Dip 2017” FREE when you subscribe to Pi.

Save

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 the $29.95 report “Three Currency Patterns For 50% Profits or More” and the $39.95 report “The Silver Dip 2017 free.

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 Silver Dip 2016” 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 “The Silver Dip 2106” report as my thanks for trying.

You have nothing to lose except the fear.   You have the ultimate form of financial security to gain.

Subscribe to the Pi for $197.   You Save $158.95.

Gary

 

 

 

 

Essential Oil Christmas Gifts


Essential Oils make great Christmas gifts.  After all the three wise men brought gold and essential oils.

olove wood

One great Christmas gift is a stress reduction bowl and sandalwood essential oil like this one that sits on my office desk.

This bowl was carved in Tunisia and is seasoned with East Indian Sandalwood oil.  See how it can reduce stress below.

Anxiety is a natural response to stress.  Too much of it creates health risks.  For example, anxiety can cause memory loss and even double the risk of Alzheimer’s disease.  A team of researchers from the Alzheimer’s Disease Neuroimaging Initiative  did a three year study of 376 patients between the ages of 55 and 91 years-old. These patients had memory loss but not enough to be at risk because most people lose memory as they age.

The study showed that the subjects with more anxiety saw faster mental decline than those without it.  The greater the anxiety the faster memory capability was lost.  Subjects with the most anxiety had the fast loss and over twice the risk for Alzheimer’s Disease because anxiety shrinks the area of the brain that controls memory.

Numerous essential oils can help lower stress and reduce anxiety.  Sandalwood is one of the best essential oils for this process as it has a unique ability to calm the mind and body and improve performance.  I use my olive wood bowl with East Indian sandalwood essential oil because  it helps me into a state of relaxed concentration.

The Olive Wood Heart Bowls that are available for Christmas . Each bowl comes with 4ml of pour Sandalwood Essential Oil in an amber bottle. Price: $118. Limit 2 per person. Order here.

Other Christmas Essential Oils

Our friend, Candace Newman, the Essential Oil Lady offers many wonderful Christmas gift oils during her Christmas sale ends December 15, 2014. Essential oils make great Christmas gifts. What better time to give frankincense and myrrh?

essential oils

Click to enlarge and go to Canadace’s Christmas sale.

Balanced Self Publishing


Balance in life is important.  When you have your own self publishing business, or any micro business sometimes it is hard to maintain balance.  This can create stress.

The American Stress Institute calls stress the #1 American health problem.

time magazine cover

The institute’s webpage tells how Time magazine called stress an epidemic and referred to it as America’s leading health problem. They say that numerous surveys confirm that adult Americans perceive they are under much more stress than a decade or two ago.   They also state that a Prevention Magazine survey found that almost 75% of Americans feel “great stress” one day a week with one out of three indicating they feel this way more than twice a week.  It has been estimated that 75 – 90 percent of all visits to primary care physicians are for stress related problems.  Job stress is far and away the leading source of stress for adults.

This is one reason self publishing and writing are such wonderful businesses.  You can normally choose the amount and type of work you want to do.  Since the work can be of your choosing, it can also be fun. With fun, work doesn’t seem like an effort and this dramatically reduces stress.

I start my work early because I love doing so.  I feel cozy sitting quietly in the sunrise creating thoughts and ideas to share with my readers. The work is not just for the money.  I write about what interests me. The task of writing is a pleasure. I look forward to this early morning time shared with the keyboard and my thoughts.

However this balance is not always attainable.  Self publishing like any business can at times create stress and be hard work!

One part of our Writer’s Camps is learning how to deal with stress… created by failure and success. We look at ways to gain balance through exercises of all five sense to create a state of relaxed concentration.  This is where maximum productivity with minimal stress is achieved.

For example we look at how to improve natural health and reduce stress with essential oils using the senses of small and touch.

I have been writing a lot about Sandalwood Oil because it has so many potential uses including being an efficient, but very safe anxiolytic agent which is an antipanic or antianxiety drug or agent that inhibits anxiety.

A scientific study in Japan entitled “Prolonged anxiolytic-like activity of sandalwood (Santalum album L.) oil in stress-loaded mice” looks at the power of sandalwood oil.  This study suggests that the A and B Santalols in the Sandalwood are powerful  components that create anxiolytic like activity.

The study showed that that the fragrances have an immediate effect but that there is also a prolonged anxiolytic-like effect observed for Sandalwood oil indicating that the study revealed a novel and important finding.

The report says “These results add to our current understanding of the effects and uses of fragrance in controlling anxiety.”

See a link to the entire study below.

Balance in life is important and there are many ways to maintain calm and productivity. We look forward to sharing them with you.

How to Learn More about Sandalwood Investing

The shares in TFS Corp. are about $1 a share and have the potential to rsie to $10 a share.  This share is listed on the Australian Stock Exchange and I have published a report at Amazon.com that analysis this share. See the report at Amazon.com.

Screen shot 2014-01-28 at 5.28.13 PM

Sandalwood Investing Report

Gary

Learn how to start the day with Sandalwood and Rose oil to improve health and reduce stress.

Essential Oil Deodorant for Natural Health

Here is why I am excited about the essential oil deodorant Merri and I use.

Merri and I lived and worked with this Ecuador Yatchak for seven years.

ecuador shamans

This photo was taken after a purification ceremony at a sacred spring.

One of the main ways this shaman helped restore our health was through purification.  He had us walk in mountain mists.  “The negative ions in the mists attach to free radicals and purify the skin to cleanse us from the inside out,” he said.  Another purification was of our blood.  He fed us herbs, minerals and a low calcium diet.  There was almost no dairy served.  We used watermelons, pineapple and sweats to purify.

One of the most important lessons gained is that the first rule of good purification is “Avoid getting impurities in your body in the first place!”

Everyday living bombards most of us with all types of toxicity, from the air we breath, to the water we drink, even the receipts at the supermarket may be toxic.  Merri and I compensate for this by taking care in what we eat, drink and especially breathe and put on our skin.  The fastest way for any element good or bad to get into the blood stream is via the lungs and the skin.

Now there is a better way to replace a toxin with a purifier.

Since it is difficult for most of us to avoid toxicity in the West, this message looks at a longevity alternative and begins by showing how in the early 2000s, due to strict FDA  regulations, the government has approved a product that may encourage cancer, create dementia, Alzheimer’s and complicate kidney problems.

The FDA issued a final rule which said “over-the-counter (OTC) antiperspirant drug products are generally recognized as safe and effective and not misbranded as part of FDA’s ongoing review of OTC drug products”.  I suspect that part of this ruling was influenced by scientists with the Personal Care Products Council, the trade association that represents the cosmetic and personal care products industry.  They have claimed that “antiperspirants can be used with high confidence of their safety. They’ve been used for many years, and there’s no evidence that suggests a problem“.

Many people use over-the-counter antiperspirant drug products every day because almost everyone does.  That’s the way its seems like it has always been.  Is this wise or simply the massive repetition of an error?  We assume that the FDA exists to protect us, but must ask this question, “How much should we trust?”

The FDA’s claims of safety are not entirely correct, because antiperspirants contain aluminum. 

An article at Duke University’s Nicholas School of the Environment helps clarify the risks of placing aluminum under our arms every day. (2)  This article says of aluminum, a main ingredient in antiperspirants, “What’s it good for in humans? Simple answer: not very much.  Except for possible involvement in some enzymatic reactions, aluminum “has no known function in the human body.”   While there is little or no upside for aluminum in the body, there is a most definite downside: aluminum is a neurotoxin.

The Aluminum Downside

The Duke article (linked below) contains numerous links to a number of negative health effects, including impaired mental and motor function, Alzheimer’s and other brain diseases, and bone diseases.  It points out a number of questions about aluminum’s impact on human health and explains there is not much study on aluminum antiperspirants.  Then it says: So, while the FDA regulates antiperspirants as over-the-counter drugs and deems them safe, it hasn’t based its decision on a large body of work specifically examining these products.  So rather than a stamp of approval, FDA’s aluminum regulation seems more an indication that, given the ubiquitous nature of aluminum, exposure from antiperspirants isn’t believed to be unsafe.”

Antiperspirants and Disease:  It’s the Pits

In other words there’s no definitive answer.  There are links between aluminum and disease, yes.  There is a link to Alzheimer’s, dementia, diminished thinking and cancer but, no study provides specific proof of a direct link between antiperspirants and these problems.

We can see the risks of aluminum more clearly at a different government source, the Agency for Toxic Substances & Disease Registry. (3)

This agency’s report on aluminum says: Workers who breathe large amounts of aluminum dusts can have lung problems, such as coughing or changes that show up in chest X-rays.  Some workers who breathe aluminum-containing dusts or aluminum fumes have decreased performance in some tests that measure functions of the nervous system.

Some people who have kidney disease store a lot of aluminum in their bodies.  Sometimes, these people developed bone or brain diseases that doctors think were caused by the excess aluminum.

Although aluminum-containing over the counter oral products are considered safe in healthy individuals at recommended doses, some adverse effects have been observed following long-term use in some individuals.

Studies in animals show that the nervous system is a sensitive target of aluminum toxicity.

Then there is the question of  parabens.

A health warning from Mercola.com (4) says:   99% of Breast Cancer Tissue Contained This Everyday Chemical (NOT Aluminum). Recent research found higher concentrations of parabens in the upper quadrants of the breast and axillary area, where antiperspirants are usually applied, suggesting they may contribute to the development of breast cancer.

The data from this latest study, the most extensive examination of parabens in human breast so far published, confirms previous work and raises a number of questions on the entire parabens, personal care product and human health debate, particularly relating to the source and toxicological significance of the paraben esters.

Merri and I have not used antiperspirants for decades.  We eliminate a potential toxicity and use purifying essential oils instead.  F

We mix tea tree with other essential oils in a base of organic jojoba oil and use this under our arms instead.

This essential oil formula acts like a deodorant and helps improve rather than decrease natural health. 

Let me begin by saying that essential oils have not been evaluated by the FDA as cures for any specific illness.  This product is not intended to diagnose, cure or prevent disease.  It simply a common sense approach to assume that putting organic, all natural essential oils under your arms is better for you then chemical laden deodorants and antiperspirants.

The essential oils in the formula are:

Tea Tree  (Melaleuca alternifolia) – broad spectrum of antimicrobial activity against bacteria, viruses, fungi. (The #1 First Aid Oil for skin infections and tissue issues of all kinds.)

Lavender (Lavandula augustifolia) – antiseptic, antimicrobial, deodorant, anti-inflammatory. This #1 Balancing Oil for the central nervous system is highly antiseptic.  Great for balancing skin bacteria and combating odors.

Lemon (Citrus limonene) – antimicrobial, antiseptic, astringent, antibacterial, tonic. The Oil of Sunshine to cleanse our skin, lift our spirits, and combat negative smells. Lemon is an exceptional antiseptic with a joyful aroma.

Geranium (Pelargonium roseum) – deodorant, fungicidal, antiseptic, antibacterial. The Soothing Oil for calming down skin irritations and our nervous system. The rose element in this Geranium is nurturing to our physical and emotional state … our whole sense of well-being.

Myrrh (Commiphora myrrha) – anti-inflammatory, antimicrobial, antiseptic, astringent, anti-fungal. An Oil of Antiquity renown for skin and wound care. Used in healing unguents of Ancient Egypt. Also known to instill tranquility and peaceful effects on many levels.

Use a purifier rather than a toxin and save at the same time.

You save first because you can also throw away expensive colognes, perfumes and face cremes as well as deodorants.  You save money as you gain a chance for better health.  Only one or two drops of each oil are required so a bottle goes a long way. One bottle lasts for a couple of months for me.  If you use it for the face as well… obviously it will go faster.

The price is already low, but during the sale the price is less than half that charged for 3 ounces of  women’s DERMAdoctor Total NonScents Brightening Antiperspirant.

More importantly this could offer a lifesaving savings.  According to answers.yahoo, the treatment cost for stage 3 non-hodgkin’s lymphoma can easily exceed $300,000 so cutting off  potential health problems at the pass can really make sense.

Merri and I love the refreshing smell and feel of this spray that eliminates the need for perfume, cologne and antiperspirants that may contain unhealthy chemicals.

Gary

We cleanse internally as well as explained below.

Beyond Chelation

Vitality Force provides a simple (and incredibly low cost) amino acid that can help improve cardiovascular systems, increase memory, improve vision, enhance vitality, expand energy and extend lifespan.

A delegate at one of our courses was a doctor in his eighties but who had the energy and looks of a much, much younger man.  When asked about his secret of youth he said his vitality was based on several factors.  A few of them you would expect, such as good diet, sufficient exercise and plenty of activity in a strong, purposeful life.  Then he explained another secret of his youth and energy: chelation.

This youthful doctor told us he had been running the largest I.V. chelation center in the United States from Hawaii. Hardening of the arteries is such a huge problem in our modern world that he was making a fortune.

Then, he said, he had learned about a vitamin-mineral formula that was so effective that he shut down his clinics and exclusively used this simple formula which he felt had better results than I.V. chelation therapy.

Years of research are behind this comprehensive cardiovascular nutritional supplement, designed to maintain and promote vascular health, mental and physical well being.

That client and doctor friend gave us a month’s supply of this formula.  He thought it would be excellent for us and would help us with traveling also.  Merri and I tried this product ourselves and felt better and better.

We have made it a point to take heart healthy supplements since.  We love the savings we enjoy with the mixed supplement we use.   It is so much less expensive than all the numerous other vitamins and minerals that we had been taking.  We actually were spending less!

The system we use is so convenient.  Everything is in one simple scoop of powder we take daily.  Especially when we travel we just bring along a packet for each day we are on the road.  No more loading up pill boxes or bringing bottles (or suitcases full of bottles) of vitamins and stuff.

As is so often the case when we like something we start talking about it and pretty soon, a batch of friends were taking Vitality Force and telling us great things about their experiences.  They reordered so much of it through that I decided to make it available to all my readers.

Let me begin by saying that Vitality Force has not been evaluated by the FDA.  This product is not intended to diagnose, cure or prevent disease and should only be taken as a food supplement.  Having said this, I share information about Vitality Force below.

This supplement combines over two dozen ingredients, known to have beneficial effects, into one total cardiovascular support program.

Vitality Force’s main ingredient is L-arginine.  Studies have shown that L-arginine is a precursor to nitric oxide, an important cardiovascular signaling molecule.

What is L-Arginine?

L-Arginine is the biological precursor of nitric oxide.

The medical establishment has known about the benefits of nitric oxide as nitroglycerine and amyl nitrite which creates a flood of nitric oxide have been used in medicine for over a century.

Nitric oxide is an important signal and effector molecule made by the blood vessels’ lining. The endothelium is exquisitely sensitive to the physical and chemical conditions inside our blood vessels. When the endothelium senses heart-healthy conditions, such as physical activity and low cholesterol, it releases more nitric oxide.  That’s good because nitric oxide expands the blood vessels, increasing blood flow and decreasing plaque growth and blood clotting.

In 1998, three research scientists won the Nobel Prize in medicine when they discovered the natural nitric oxide cycle in our cells.  Nitric oxide is essential to a vital natural cycle at the cellular level.  It is so  important in neuroscience, physiology, and immunology, that one year it was named “Molecule of the Year”.   Research into its function led to a Nobel Prize for discovering its importance as a cardiovascular signalling molecule. The nitric oxide cycle especially helps the heart.

Nitric oxide is the simple molecule that improves the flow of blood to the heart body and brain, It also increases energy and stamina, relieve  stress, strengthens the immune and digestive system, plus improves clarity of mind.  Nitric oxide improves the health of the inner wall of a blood vessel, keeps vessels pliable and elastic, dilates blood vessels keeping blood flowing smoothly, relax blood vessels, keep platelets and white blood cells calm and prevent them from sticking to the vessel wall, prevent oxidation, slow plaque growth, suppress atherosclerosis and melt away plaque that already exists.

There are many benefits from removing plaque from the body:

  1. Helps to prevent arteriosclerosis (Hardening of the arteries)
  2. Helps to rejuvenate your cardiovascular system
  3. Helps to improve conduction in all degrees of A-V heart block
  4. Helps increase American life expectancy
  5. Reduces blood pressure and blood cholesterol
  6. Improves circulation
  7. Improves vision and hearing
  8. Improves liver function
  9. Improves skin texture and tone
  10. Helps prevent abnormal cross linking of molecules that age tissue
  11. Helps to relieve symptoms of senility by increasing circulation to the brain
  12. Helps to relieve pain, hypoglycemia, phlebitis and scleroderma
  13. Dissolves fats in plaque lined arteries
  14. Helps make blood slippery and prevents abnormal blood clotting
  15. Helps to increase tissue oxygenation

Anti-Aging, Longevity, and Preventative Medicine are the Future!

With our knowledge of alternative medicine doubling every three years and our technology advancing exponentially, we are entering an age where we are able to probably turn our biological clock backwards!  Instruments are now in use that can measure the functioning of each of our physical organs and new high potency nutritional supplements, hormonal balancing, and advanced oral chelation products have become available which can enhance the functioning of our organs and help prevent heart attacks and fight many of the auto-immune and degenerative diseases that are plaguing modern society.

There is one more benefit.  That is the savings and convenience.  Vitality Force is much more than just an all natural solution for cardiovascular health.

The formula includes the highest quality arginine, vitamins, minerals, and other immune boosting ingredients. It works by dilating the blood vessels to allow more oxygen and nutrients to flow freely throughout the body.  This helps improve the  bio-availability of all nutrients and helps enhance your other supplements that you may already be taking.

I like the powdered form because research suggests that consuming liquid nutritional products provides significantly improved absorption, (80% vs. 20% from tablets).

Vitality Force supports:

* Cardiovascular health

* Healthy immune function

* Anti-aging properties

* Improved energy levels

*  Dilated blood vessels to deliver more oxygen and nutrients to muscles and the cardiovascular system

* Increased efficiency of oxygen utilization for energy production

* Enhanced numbers of mitochondria to actually produce energy

The Vitality Force formula includes:

  • L-Citrulline
  • Vitamin D3
  • Vitamin C
  • B1 (thiamine)
  • B2 (riboflavin)
  • B3
  • B5 (pantothenic acid)
  • B6 (pyridoxine)
  • B12 (methylcobalamin)
  • Folate
  • CoQ10
  • Omega 3
  • Resveratrol
  • Potassium
  • Chromium Polynicotinate
  • Magnesium
  • Selenium
  • Fulvic Minerals
  • AstraGin™
  • Fructooligo Saccharide
  • Stevia

vitalityforce

(Click on image to read the label.)

I get all these ingredients in Vitality Force from one daily scoop of powder!  I take mine first thing each morning and can feel a big positive difference in my vitality.

The Ultimate Key to Vitality

Taking Vitality Force provides almost every vitamin and mineral that we were previously taking in separate form.

Merri and I have actually reduced our spending on vitamins and minerals.  The powder is tasty, easy to use and one container has a month’s supply, which at $44.95 makes this a very inexpensive way to get most of the vitamins and minerals you already take as you gain the chelation benefits.

Vitality begins with activity including physical activity.  Many factors in modern living inhibit our physical activity.  There is a lot of stress to maintain a lifestyle.  Modern conveniences like the computer, electricity and car make it easier not to exercise.  There is also a difficulty in obtaining vitamin filled and rich, healthy food.  All of this saps vitality and can lead to a negative health spiral.  We feel badly so we eat comfort food and sit.  This makes us feel worse and the negative spiral deepens.

One way to break bad habits and a negative health spiral is to generate more nitric oxide.

One way to generate more nitric oxide is simply by taking a scoop of Vitality Force each day!

Vitality_Force_Product_Page_Graphic1

Learn more or order the food supplement Vitality Force.  The price is $44.95 when you order one container.  I recommend ordering two. The price drops to $37.95 and two months’ supply will give your vitality kick start a better chance.

This special offer provides a 10% discount for our readers.  Simply add the code SAVE10GS

To order Vitality Force click here

Gary

(1) Is Your Deodorant Drugging you Every Day

(2)  blogs.nicholas.duke.edu/thegreengrok/antiperspirants/

(3)  The Agency for Toxic Substances & Disease Registry.

(4)  Dr. Mercola article 99% of Breast Cancer Tissue Contained This Everyday Chemical (NOT Aluminum)

 

 

Sandalwood – Better Than Gold


An investment in sandalwood has been better than gold.. or stocks… or bonds… by far.

Our February 14-15-16, 2014 International Investing and Self Publishing seminar will have a sandalwood investment review because the price of Sandalwood has risen 22.8 times in the last 10 years.

sandalwood price

There have been huge increases in demand for sandalwood.   The supply has dwindled so badly that the sandalwood tree is now a protected species.

Gold has risen three times in the same 10 years while sandalwood rose over seven times faster.

We’ll have an indepth review of sandalwood and see three ways to invest in this rare wood and why an obscure share of a small obscure Australian company, TFS corp., may be the best way to enjoy sandalwood profits.  We’ll have a sandalwood expert on hand to speak about the health benefits of sandalwood essential oil and how the demand for sandalwood may grow.

Since I began to research this investment less than a month ago, the shares have already shot from A$.95 cents to A$1.20.  The shares have risen over 142% in the last year.

TFS share chart

You do not have to wait until a seminar to get details. To help you understand the value of this opportunity, I have published a 63 page report at Amazon.com.  The price for the report at Amazon.com will be set at $9.99 after the seminar but for this week I have set the price at a much lower $2.99.

Order the report at Amazon.com and discover why Sandalwood can be better than gold.. or stocks… or bonds… by far…or better yet come to the upcoming conference for all the details!

See details at www.amazon.com

Gary

Join us this February 14-15-16 for a review on three commodity shares in copper, silver and sandalwood.

Multi Currency Value Investing Seminar

Old Accord Creates New Profits – Multi Currency Investments.

Earn more with multi currency stock market breakouts.

Improve Safety – Increase Profits

Learn how to improve the safety of your savings and investments by selecting good value and diversified investments in a multi-currency portfolio.

Few decisions are as important to your wealth as the value of the markets and currencies you invest in.  This has been our area of expertise since the 1970s and we have worked with and advised some of the largest currency traders in the world.

Gain Protection First – Against the Dollar’s Purchasing Power Loss.  In 1913 the The Federal Reserve Act created the Federal Reserve Bank to protect the purchasing power of the US dollar, which has since lost about 94% of its purchasing power.  Here is its price compared with gold since 1900.

priced in gold

Dollar chart from pricedingold.com (1)

The Fed has let the dollar lose most of its strength plus has allowed interest rates to fall so low, that safe investments cannot keep pace with the drop in purchasing power.

multi-currency-chart

Chart from Grandfather Economic Report (2)

Many investors have forgotten about the risk of a falling dollar because the greenback has been strong for the past five years.  This temporary dollar strength came after the great recession of 2009 just as there was temporary dollar strength after the great recession of the 1980s.  Then about six years after the recession, an agreement was made by major governments to weaken the dollar.

There was a severe global economic recession affecting much of the developed world in the late 1970s and early 1980s.  The United States and Japan exited the recession relatively early, but high unemployment would continue to affect Europe and the UK through to at least 1985.  As a consequence between 1980 and 1985, the US dollar had appreciated by about 50% against the Japanese yen, Deutsche mark, French franc and British pound, the currencies of the next four biggest economies at the time. Then the governments reached an agreement and exchange rate values of the dollar versus the yen declined by 51% from 1985 to 1987.

Now the world is again in the same place.  The recession is over.  Europe is a bit behind in recovery and the dollar is higher than before the recession.

There is no reason for the greenback to be  strong.

The agreement in 1985 was called the Plaza Accord.   Over just two years the greenback dropped nearly 50% versus other major currencies.  The next accord will generate great profits for those who know what to do while it ruins the purchasing power of dollar back investments.

The strong US dollar and low interest rates have created one of the biggest stock and multi currency breakout opportunities in history.  Learn how to create a plan to profit from multi currency shifts ahead.

One reason for the potential gains is that stock markets and currency values are cyclical.  Due to low interest rates created by the 2009 economic downturn, the US and a few other equity markets have risen to some of their highest prices, ever.  These markets offer very poor value now.  The steep valuation creates incredible profit potential but also hides some enormous risks.  Learn how to develop an investing strategy based of earnings, cash flows, dividends and book values to increase potential for profit and reduce the risks.

Next Extra Profit Created by Value Breakouts

Over the history of US equity markets, the  price of overall markets have risen about 9.1 percent, respectively, compounded annually.  Yet over more than a hundred years of stock market activity,  a majority of the profits have come from just a very few dramatic breakouts.

Equity markets are ruled in the short term by emotions that create unpredictable ups and downs.  Numerous fears of defaults, worries of double dip recessions, high unemployment, concerns about fiscal cliffs, hold investors back.  Yet global population growth and advances in production and prosperity are relentless economic fundamentals that increase value.

When fear holds back a a fundamentally rising value, rising profit potential grows.  Values increase as prices stagnate.  Then markets break free and rocket upwards creating wealth, prosperity and growth.

Find out which breakouts are likely to take place next.

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 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 create war.

Here is the war stock cycle.  Military struggles (like the Civil War, WWI, WWII and the Cold War: WWIII) 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.

Learn how the Cyber War (WWIV) may change the way we live and act and how this will affect currencies and investments.

Learn:

* 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), but 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 outperformance 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.  Buffett leverages his portfolio at a ratio of approximately 1.6 to 1.  This rate of expansion by the way is called the “Golden Ratio”.  It is a mathematical formula that controls the growth of most natural things; trees, the shape of leaves, the spiral of shells, as well as the way economies and societies grow.

We’ll sum the strategy, how to leverage cheap, safe, quality stocks and for what period of time based on your 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 (almost) years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy investing more with slow, worry free, good value investing.  Stress, worry and fear are three of an investor’s worst enemies.  These are major foundations of the Behavior Gap, a trait exhibited by most investors, that causes them to underperform any market they choose.  The behavior gap is created by natural human responses to fear.  The losses created by this gap grow when investors trade short term under stress.

Learn how to put meaning into your investing by creating profitable strategies that combine good value investments with unique, personal goals.

Learn how to span the behavior gap.  Behavior gaps are among the biggest reasons why so many investors fail.  Human evolution makes fear the second most powerful motivator.  (Greed is the third.)  Fear creates investment losses due to behavior gaps.  Fear motivates us more strongly than desire.  By nature investors are risk adverse, when they should embrace risk.  Purpose is the most powerful motivator,  stronger than fear and greed.  One powerful way to overcome the behavior gap is to invest with a purpose.

Combine your needs and capabilities with the secrets and the math of our good value model portfolio.

Share ideas about my good value portfolio.  My personal investment portfolio comes from a continual analysis of international stock markets and a comparison of 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.

Markets included in this portfolio are:

• Norway
• Australia
• Hong Kong
• Japan
• Singapore
• United Kingdom
• Taiwan
• South Korea
• China

These markets have been chosen based on four pillars of valuation.

• Absolute Valuation
• Relative Valuation
• Current versus Historic Valuation
• Current Relative versus Relative Historic Valuation

Learn how to use Country ETFs to easily construct a diversified, risk-controlled, equally weighted representative country portfolios in all of these good value countries.

To achieve this goal my portfolio consists of Country Index ETFs that track an index of shares in a specific country.  These country ETFs provide diversification into a basket of equities in the good value countries.  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.

This is an easy, simple and effective approach to zeroing in on value because little 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 pick and choose shares.  You can invest in the index which is like investing in all the shares in the index.  All you have to do is invest in an ETF that in turn invests passively in all the shares of the index.

Learn 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 a test.

The Test for Low Cost Trading

Research put every part of this portfolio in place, except knowing the best, easiest and least expensive way to buy.  A search for an optimal way to buy and hold boiled down to two methods.  One tactic to test was to use a unique online broker that appeared to offer the lowest cost deal.  The other approach was to use a community bank in Smalltown USA.  The small town bank that I use looks after my 401K trust account and their service is first class.  The benefit of small banks is that they still treat us as a human beings (instead of a number) and when we need, it’s easy to go right to the top to answer a question or get a problem resolved.  There are no call centers and the bank and the person looking after my account is just around the corner.

I created a test to see which offered the least expensive service.

Working with my banker in Smalltown USA,  I created two accounts, one at the online broker and the other at the bank. I placed $40,000 in each.

I set up the order for the country ETFs online, while my trust manager set up orders for the identical amounts of the same shares in his system.  Then we got on the phone, coordinated our timing and on a count of three each pushed the button “BUY”.

The results of this test  show how you can gain on any purchase of country ETFs.

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Gary

(1) Dollar chart from pricedingold.com

(2) Grandfather Economic Report

 

 

 

 

 

Sandalwood Investing Updates


Sandalwood Investing Update on August 20, 2014.

We published our Sandalwood Investing report this last January when shares in the Sandalwood plantation company TFS Corp. (share symbol TFC) were selling at A$1.19. The shares yesterday passed A$2.15.

sandalwood chart

(click on image to enlarge.)

See the updated TFS Corp. share chart here

TFS has announced that a Nestle owned company will buy $500 million worth of sandalwood oil from them.

An ABC.net article entitled “International dermatology company Galderma confirmed as multi million dollar buyer of sandalwood oil” (1) by Tyne McConnon says:  The world’s largest producer of Indian sandalwood says Nestle-owned company Galderma is the multi-million-dollar buyer of its oil.

Tropical Forestry Services (TFS) announced in March it had signed a deal expected to be worth half a billion dollars with a pharmaceutical company.

TFS has plantations in Western Australia, the Northern Territory and Queensland.
The company’s head of global products Mario Di Lallo says Galderma will use the oil in various products.

“Things like eczema creams, warts, acne, actinic keratosis, which are the pre-cancerous skin lesions that people go and get cut off and burnt off.

“Most things that afflict the skin.”

Mr Di Lallo confirms the deal to sell the sandalwood oil for US$4,500 per kilogram for up to 20 years.

See article here International dermatology company Galderma confirmed as multi million dollar buyer of sandalwood oil

Update March 7, 2014 Sandalwood Investing Report Updates. 

tfs share chart

TFS Corp share have risen 284% from June 2013 to June 2014. See the updated TFS Corp. share chart here

This post updates our continual review and research on sandalwood investments that we share with our readers of the Sandalwood Investing Report.

Screen shot 2014-01-28 at 5.28.13 PM

You can order the report at Amazon.com

If you have questions or comments, please write to me at gary@garyascott.com

* This sixth Sandalwood Investing Update on March 7, 2014 shows links to news about the potential for expansion of the market for TFS Corp. sandalwood oil.

The first news at www.kew.org says:  Sandalwood is undergoing clinical trials to investigate any medicinal properties.

Active compounds 

The active ingredients in sandalwood are santalols, which should make up about 90% of the oil. These compounds have anti-bacterial activity and recent research has shown that they might have some use in the treatment of skin cancer.

An Australian Stock Exchange release says Approval to initiate FDA phase 2 study for molluscum contagiosum.

TFS Corporation Limited (“TFS”, ASX: TFC) today announced that its pharmaceutical partner ViroXis has received Institutional Review Board (“IRB”) approval to initiate Federal Drug Administration (“FDA”) phase 2 study for the treatment of molluscum contagiosum (“MCV”) using TFS’s East Indian sandalwood oil (“EISO”).  IRB approval is a prerequisite to initiate clinical studies in the United States for prescription drugs.

MCV is a very prevalent and highly contagious pox virus skin infection for which there are currently no approved prescription treatments.

ViroXis’s CEO Ian Clements said, “This last step in the approval process clears the way for ViroXis toenter clinical trials for our second high value dermatology indication, following our first phase 2 indication with the human papilloma virus (HPV or common warts). This validates our strategy todevelop a portfolio of TFS EISO – based topical anti – viral prescription products.”

Frank Wilson, CEO of TFS, said. “This is another important milestone in the development of a global market for TFS’s pharmaceutical grade EISO in the dermatology sector.

It builds on the exclusive supply agreement with a leading global dermatology company (announced on 26 February 2014) for over the counter dermatology products, which are expected to launch in the United States later this year.

We are excited by the prospect of TFS EISO becoming a core ingredient in a suite of over the counter and prescription dermatology products with a strong pipeline of new products being developed with our pharmaceutical partners ViroXis and Santalis.”

An article at www.businesswire.com says about San Antonio Private Company Santalis Pharmaceuticals Inc: Santalis Pharmaceuticals Signs Exclusive License Agreement with Global Pharmaceutical Company to Commercialize OTC Dermatology Products.

Santalis Pharmaceuticals Inc., a joint venture with TFS Corporation Ltd., of Australia (ASX: TFC) is pleased to report the execution of an exclusive license agreement with a global pharmaceutical company for the marketing of a number of over-the-counter (OTC) dermatology products containing TFS’ sustainably cultivated, pharmaceutical-grade East Indian Sandalwood Oil (EISO).

The pharmaceutical partner is exclusively dedicated to dermatology and is a world leader in dermatology products with an extensive product portfolio available in 80 countries. The long-term license agreement provides for upfront and milestone payments and royalties based on product sales. The license agreement anticipates worldwide commercialization of the OTC products, with an initial product launch in the U.S. anticipated at the end of 2014.

In addition to its OTC products, Santalis is developing a range of prescription drug candidates. The company’s first prescription drug candidate, a topical formulation of EISO to treat pediatric eczema, is expected to enter the clinic in the US in early 2015.

See more TFS Corp. news including a new big investor of 67 million dollars in Australian Stock Exchange (ASX) reports .

Regarding the news that TFS corps. 50-50 venture Santalis signed agreement with big phrama company,  I am a little disturbed that I cannot find anywhere who the 50/50 partner is or who the big pharma company is.  See more about this arrangement at au.news.yahoo.com

* This fifth Sandalwood Investing Update on March 7, 2014 shows data that explains why TFS Corp could earn as much as 2.36 billion dollars in the next ten years.

Our Sandalwood Investing Report was published January 26, 2014.  The price of the TFS sandalwood shares we had researched and written about were A$1.19.  Yesterday when I researched this post the share price was A$1.71.

sandal wood share chart

Yesterday’s TFS Corp. share chart from Australian stock exchange.

Click on image to enlarge.

This chart from analysis of TFS Corp. business potential shows that earnings in Australian dollar earnings over the next decade could reach 2.296 billion .

tfs chart

* The fourth Sandalwood Investing Update on February 12, 2014 comes from a middle manager in the forestry business who manages a plantation near the TFS Corp. plantations. 

Using the seven steps away idea,  I began asking family in Australia if they knew anyone in the forestry business.

I was able to connect in only three steps.   #1: Our son in law contacted a friend who has been working in the forestry industry for years.

#2: The friend explained that one of the main drivers for TFS Corp. and other plantation investment companies is tax minimization.  To encourage investment in industries like this, the Australian government runs a scheme that lets investors write off their initial investment as a tax loss, and only taxes them on the profits/dividends they make 10-15 years when the plantations mature.

So it’s a tax wise investment for people in their fifties.  They get the write-off while they are high-earners. Then they take the profits during retirement, when their tax bracket is lower.  Australia did not use to have personal pension plans, so this was an alternative.

He said the main problem with a lot of other plantation investment/tax schemes like this is that they were managed with a focus on finance and marketing, rather than a focus on the technicalities of forestry/production. The underlying quality of the plantations were not very good.

However, he didn’t know if this was the case with TFS.  He said it’s entirely possible that even as an investment scheme, their plantations are technically well-managed.

He thought it was a good sign that they’ve planted Indian sandalwood trees, instead of the lower-value Australian sandalwood trees.

He said that the entire industry has gone through tough times, and a number of timber plantation companies went into liquidation a few years ago.

He said that TFS received a big investment from the Middle East at just the right time to keep it going, which is why it’s probably still quite stable.

He said a former colleague of his was much more familiar with the technical side of the TFS Corp. plantations and left a voicemail message for him while I was there.

I  obtain this friend’s number and called him.  He kindly gave me 30 minutes of his time on the phone and we spoke about the technical side of the forestry business.

This plantation manager operates very near the TFS Corp. plantations and he knows several of the plantation managers who run the TFS Corp. plantations.   He says they are very competent people.

He explained that sandalwood is very hard tree to grow as it is a parasite. The mangers not only have to grow sandalwood but also have to nurture the host tree.

He said sandalwood is a sensitive tree and that pesticides and herbicides cannot be sprayed directly on the tree. The weeds have to be pushed aside by hand so they can be sprayed.  The high labor costs in Australia mean that the sandalwood plantations are very expensive to operate.

He said that the TFS people were disappointed with their first harvest but are continually learning.  An example he gave me was that when they first pruned the sandalwood the trees weeped a lot more oil than they expected.  They learned to prune the trees earlier and this seems to have solved this problem.

He was not aware of Spike disease or any other such problems.   He pointed out that usually trees usually grow better in a country away from their original habitat, in part because native disease is missing.

He felt the company was well managed but that the shares having spiked after the first harvest might drop and that investors would have a better feel of success in six months or so.

This has been good advice as the share price has dropped from A$1.20 to A$1.10 in the first month since the research in this  report month.

finance.yahoo.com.au chart

Click to enlarge.

See updated www.finance.yahoo.com.au TFS chart

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* The third Sandalwood Investing Update comes from the Australian analyst who provided the October research.

As mentioned, this is the only analyst we have found who has visited the plantation and issued a report on the shares of TFS Corp.  Due to security regulations in Australia e could not report direct to me so I posed the questions to our bankers who passed the questions onto the analyst.

Our Banker wrote: I have studied your report on TFS Corp and wondered if you have a feel for the integrity of management and the technical expertise following your site visit?  In particular:-

Q:   are there any conflicts of interest you can see in the way that the business is run for both owned and managed woodland?

A:  Yes! This conflict is now coming to a head as CY14 will be the first time the company has harvested and sold a MIS planting.  As you can see from any of the MIS product disclosure statements, TFC is obliged to get the best possible price for MIS investors, but the company also wants to be able to buy the wood for as low a price as possible and then achieve a margin by further processing (converting to oil, beads, etc). It is also interesting to note TFC has the right to match the terms of purchase offered by any third party. I do not know exactly what the company plans, but I would envisage a scenario whereby TFC holds some sort of open tender process, possibly even a live auction at Kununurra, so it can be clearly seen to get the best price possible. Anyhow, even in a ‘worse case’ outcome for TFC where public sale prices are too high for it to make any margin by further processing, this will still be positive in that it will likely encourage new MIS investment and also underpin the value of TFC’s owned plantations

Q: Are there any previous management issues?

A: This is a difficult question in that the company has had to deal with the implosion of the MIS sector and associated negatives regards management credibility. The most notable negative was board turnover during CY12 and shareholder push to replace Frank, etc. See the shareholder notice of 20 Dec 2012 for background. My perspective on management is that Frank Wilson started TFC, has spent +15 years driving it and owns 44m shares (~16%) and so is highly motivated to achieve maximum shareholder value. Regards the issue of board independence, that is now a moot; my somewhat cynical perspective (having been a small-cap specialist for 15 years) is that for a small company the competence of the CEO is everything and a rising share price overcomes any investor qualms (see Rupert Murdoch, Frank Lowy as key examples)!

Q: Are there issues or conflicts relating to the marketing of tax favoured schemes involving hardwood and the management of the business for profit?

A:  The question of tax deductibility of agricultural schemes has been around for decades, and has always been resolved in the industry’s favour. There might be some interesting pushback should any of the principals of Timbercorp or Great Southern be put on trial for their shenanigans, but the industry structure is essentially a settled question.

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* The second sandalwood update comes from  the only analyst we have found who has visited the plantation and issued a report on the shares of TFS Corp. 

The October 2013 report was headed TFS Corp Site visit verifies Indian Sandalwood oil production and gave a Buy recommendation with a target price of .A$.90 cents.  The price was A$.77 cents at the writing of the report.

This report shows that TFS MIS (Managed Investment Scheme) production is below what was reported in the early TFS Product Disclosure Statements (PDS).

In Australia managed investment timber schemes (MIS) are required to produce a Product Disclosure Statement (PDS) showing how the program works and the potential returns, risks, investments, fees, costs, taxes etc.

The report said:

On our forecasts that assume a similar level of new Wholesale, High Net Wealth and MIS (Managed Investment Schemes) sales to FY13, TFC’s current year valuation metrics do not appear inappropriate given the near term uncertainty surrounding the timing of Wholesale settlements.

However over coming years acceleration of commercial harvest proceeds offers a substantial uplift in earnings (potential EBITDA (Earnings before interest, taxes, depreciation and amortization) of + $400m in ten years time vs $51.8m ‘cash’ EBITDA in FY13) that at some time in future will inevitably drive robust share price performance.

Earnings Impact

Forecasts now reflect likely sub-PDS heartwood yields for early plantations
Investment Thesis

■ The complexities of Indian Sandalwood (included its parasitic nature and delay of oil-bearing heartwood formation) have induced a degree of uncertainty as to whether yields would meet targets first set over fifteen years ago; initial data from the first commercial harvest undertaken in September indicates that whilst survival rates and heartwood per tree are lower than originally targeted, oil quality and oil yields meet ISO standards and the targeted 3.7% which provides an important verification.

■    We visited TFC’s operations around Kununurra and seeing for ourselves the proceeds from the first 8ha harvest, what is clear is that the knowledge gained from the earliest plantations has been deployed and has resulted in material improvements in Indian Sandalwood growth; as such whilst yields over a number of years are likely to fall short of PDS targets we see harvests for more recent plantings as likely to considerably exceed heartwood developed per tree.

■    With confidence provided regards heartwood and oil production, the next key uncertainty is sustainable pricing as larger volumes of wood and oil become available; we are of the view that emergence of a sustainable, legal supply (most Indian Sandalwood is poached) will see an increase in demand from pharmaceutical and fine fragrance sectors, with the growing wealth of India and China driving decorative carving, fragrance and religious ceremony needs.

■ Assuming target yields and a flat heartwood price we estimate TFC will generate +$2bn EBITDA solely from the sale of its owned trees over the coming fifteen years (noting that earnings will materialise more so towards the later years), highlighting the ‘embedded value’ of its 2,443ha (hectares – appx. 5,900 acres)  ownership stake.

Whilst yields on the EKS project are likely to prove lower than targeted given survival rates of only ~25% and considerably smaller tree size (and thus heartwood yield) at the 15 year mark, this confirmation of commercial oil yields provides a hefty confidence boost both for near term revenue generation from the harvest as well as heartwood yield prospects of the +7,000ha of plantations currently in place.

We recently (14/15 Oct) visited Kununurra and saw the range of established plantations in addition to the Primary Processing Centre and Seedling Nursery, which provided a pleasing confirmation of the quality of the operation as well as the opportunity to inspect some of the recently harvested and processed Indian Sandalwood logs.

Overall, the conclusion we reach following the tour is that the development and maintenance of Indian Sandalwood plantations has seen substantial changes over the years, with the first few years of plantings somewhat experimental in nature settling down to a more consistent and incremental improvement process.
Indeed, the confirmation of oil from the initial commercial harvest provides a very high degree of confidence in future volume increases, with notable factors as follows:

Heartwood is being generated; it is ‘real’!

A visit to the processing facilities revealed the results of the initial 8 ha of harvesting with the photograph below showing some of the dressed logs; we also saw the bags of shredded heartwood ready to be trucked to the Mt Romance facility in Albany and the extracted tree stumps that will be further processed.

The inspection of plantations by establishment year revealed considerable differences in the spacing and arrangement of both Indian Sandalwood trees as well as host species.

Whilst we are clearly not expert enough to detect subtle differences, what was clearly apparent is that Indian Sandalwood survival rates increased dramatically after the 1999 plantations (that saw an eventual survival rate of ~25%) with little identifiable differences in arrangements from ~2001 plantings onwards; whilst data on survival rates was most recently provided at the 2 Sep 13 presentation (Slide 17) nonetheless it was pleasing to see first-hand.

What is also very clear is that tree growth rates are greater for more recent plantings with the implication being that tree sizes and thus amounts of heartwood and oil will increase over time.

A notable feature of the plantations is that individual trees show considerable variability in size with the biggest tree in any single hectare often having a trunk diameter half as large again as its nearby peers, with this difference attributable to a number of factors including improved host bonding, local soil properties or genetic attributes.

Given it develops its own seedlings (and also plants them already established with a host) TFC has been undertaking a stock selection process whereby seeds are taken from the largest trees (or number of trees depending on planting requirements) and propagated, reinforcing the genetic attributes of the best individuals regards growth rates and size.

Indian Sandalwood trees begin to produce seed after around three years, and so this stock enhancement program has only been through a few cycles which offers considerable scope for ongoing improvements and also longer-term heartwood yields given the expected relationship between tree size and heartwood production.

Production confirmation makes oil price the primary uncertainty

As we now have considerable confidence in future heartwood/oil volumes from established plantations, and indeed argue PDS forecasts for an average 22.5kg heartwood yield/tree are likely to prove conservative in the longer-term, the primary variable for any harvest proceeds calculations is now assessing sustainable pricing as TFC begins to generate commercial scale quantities for global markets.

The dwindling supply of natural Indian Sandalwood has seen a considerable amount of trade on the black market rather than via official traceable channels and product substitution (both different sandalwood species and synthetics) occur, which does present uncertainty as to how inelastic pricing is as sustainable plantation volumes increase.

Whilst mgt indicated TFC recently sold oil for $US4,000/kg representing a ~$US150,000/t price for heartwood we are unsure if this is sustainable as larger quantities are harvested. Nonetheless given the number, size and diversity of major markets discussed below we argue a long-term price of ~$100,000/t for heartwood (implying ~$2,700/kg of oil @ a 3.7% yield) does not appear unreasonable:

TFC the only traceable supplier for pharmaceutical industry

Perfume manufacturers will likely develop new formulations as sustainable supply materialises

MIS Expert Market Report sees +1,100ha of demand as sustainable… supporting ~5% price increases

*    Pharmaceutical: a sustainable traceable supply of oil is vital given the regulatory requirements of the pharmaceutical industry which will provide TFC with considerably pricing power given a likely shrinking legal natural supply. Whist partners Viroxis and Santalis are yet to reach commercialisation stage for any offerings (with the 1 Oct 13 update revealing phase 2 trials are underway for both companies), Viroxis have noted (11 Apr 13) potential annual demand for 240t of oil for its products which would represent ~600ha of plantations each year at PDS yields.

* Carvings: wood has historically been widely used for decorative carvings and utility items, and in addition to India demand from China for larger carvings as status objects is likely to support demand for more sizeable heartwood logs; mgt feedback suggests demand from this sector for larger logs will likely support premium pricing compared to smaller logs valued on an oil content basis.

*    Fine Furniture: although currently the fine furniture market is likely smaller than Carvings in China due to a lack of supply of quality logs, we would expect demand as wood becomes available to provide further impetus to larger log pricing and mgt see potential demand from this sector as potentially greater than for Carvings.

*    Fine Perfume: Indian Sandalwood oil has been an important ingredient in fine fragrances (e.g. Chanel No 5) however we understand the challenge of legal supply has seen synthetic substitution for fragrance and a general avoidance of use as a fixative; should sustainable supplies become available we would expect considerable demand from the industry given the importance of natural ingredients and its superior fixative attributes and with an estimated 100t of oil used by the industry in 1970 (Source: 2013 MIS PDS P69) we would see potential volume sales to this industry being considerably higher.

* Attars: which are non-alcohol based fragrances that are distillates of flowers/herbs/spices over Sandalwood oil; these attars are used for personal fragrance but moreso currently for ‘pan masala’ mouth freshener and given the size of the market being primarily India based we would see potential demand likely to be similar if not greater than the Fine Perfume industry.

*    Cremation: Indian Sandalwood has long been an important additive to a pyre during a Hindu cremation (for example Gandhi’s pyre was all Indian Sandalwood) with the expansion of the middle class in India likely to drive demand.

*    Cosmetics: oil as well as the ‘spent charge’ of chipped heartwood following oil extraction has been used extensively in global cosmetics industries for soaps, face creams, powders and air fresheners both for its fixative value as well as fragrance; PDS commentary estimates 10-15% of total use has been from this sector historically.

Indeed, whilst we argue that current pricing is merely sustainable, the Expert Market Report in the 2013 MIS PDS indicates that demand for Indian Sandalwood could be in the order of 12,000 to 13,000t which represents +1,200ha of demand per year.

TFC has 7,581ha of plantations under management as of 29 Aug 13 of which 1,152ha were only planted during the course of the FY13 financial year (noting total sales were 1,657ha with ~500ha of this to be planted in FY14), so in view of this ‘Expert’ demand estimate there appears little prospect of oversupply.
Indeed, by the time the FY13 plantings are harvested and sold in 2028 the likely demand from an increasingly wealthy India and China will continue to favour demand.

We also note the Expert Market Report sees an annual price increase of at least 5% on the $A111,893/t achieved in Mar 11 for official auctions in India as achievable and sustainable into the near future which would imply a price of +$A230,000/t in fifteen years time.

Ownership of +2,400ha offers substantial ‘embedded’ value

TFC has generated almost all of its earnings from Indian Sandalwood plantation establishment, finance and maintenance fees for both MIS and Wholesale clients, with the Mt Romance EBITDA contribution being <10% of the group’s total, and as shown by the rise and fall of planting activity over the past decade (largely due to MIS regulatory changes) these establishment fees are somewhat volatile and difficult to forecast.

This earnings composition will change over the coming years as commercial scale harvesting commences, with TFC being entitled to a 5% Selling & Marketing fee on gross proceeds of cleaned logs (noting Wholesale investments will only start harvesting in 2026) and it will also be able to generate profits by purchasing cleaned logs from MIS investors and adding value through the Mt Romance processing and marketing operations.

However the most compelling change to TFC’s revenue and earnings over the coming years will be the contribution from its owned assets as mgt have established a holding of 2,443ha from direct plantings, purchasing immature plantations from MIS investors as well as via deferred management fees.

Following our visit we have revised forecast heartwood yield per tree to reflect observed differences in tree size, with 2008 selected as the inflection point for when PDS yields of ~22.5kg may materialise; we also assume a constant price for heartwood of $100,000 per ton.

As shown in the table below we estimate TFC will generate +$2bn EBITDA from the sale of its owned trees over the coming fifteen years, noting earnings will materialise moreso towards later years reflecting the ramp up of plantings and yields since the EKS project in 1999.

Scope for +$3bn of operating profit over next 15 years vs current market cap of $220m.

Market will pay attention to TFC at some point in time.

As such, when combined with harvesting and processing fees for MIS and Wholesale plantations it is not unreasonable to anticipate +$2.5bn EBITDA being generated over the coming fifteen years from all harvesting and sales activities, on top of another ~$750m EBITDA from establishment services if the company can consistently generate +1,000ha of annual new plantation sales.

Stock market will inevitably appreciate ‘embedded value’ given sheer scale of potential profits.

However if we look forward a number of years, say a decade at which point TFC could be generating sustainable EBITDA of ~$400m from harvesting its owned plantations, harvesting and value-adding MIS investors’ harvested wood and also from new establishment fees; in turn this could generate EPS of +80c which if applied to a PER of ~13x (a +25% discount to the current FY14 XSI aggregate) implies a potential ~$10 share price offering robust prospective long-term returns from current levels.

Given the timeframes involved we are a little uncertain as to when the market will appreciate the coming substantial uplift in profitability for the group as the size and quality of commercial harvests increases, nonetheless remain positive on the stock’s performance prospects given scope for EPS acceleration over coming years.

This report was updated by the Australian broker in November 2013 and the share price projection increased to A$1.00

* The first sandalwood update comes from TED, an events business focused on distributing information about “Technology, Entertainment and Design”.  This institution’s has enjoyed enormous success at conducting conferences with “Ideas Worth Spreading”.

The first TED event was in 1984 and included demos of the compact disc. Benoit Mandelbrot talked about how to map coastlines with fractals.  In 2001 The Sapling Foundation acquired TED and opened an audio and video podcast series that put the best TED content online FREE.   By 2009, the number of views at the Ted website had passed 100 million.  Views have now passed one billion.

Ted also publishes case studies and  a Ted Case Study has been done on sandalwood.

Here are excerpts from the Ted Sandalwood Case Study linked above:

The Indian sandalwood tree has become endangered. The tree is government controlled.  Removal is prohibited until the tree is thirty years old.  This has not stopped many poachers from cutting trees down as soon as authorities are not watching.  Smuggling of sandalwood has created socio-economic and law and order problems.

Trade in sandalwood dates back to the beginning of trading in India.  Due to its high value and increased demand in internal and external markets, sandalwood prices have skyrocketed.

Increase in demand can be attributed to the popularity of aromatherapy and trends in the cosmetic industry toward natural
products.

Although trade in Indian sandalwood is officially  restricted, smuggling remains a serious threat to the tree.  The biggest and costliest manhunt in Indian history was launched to track down the leader of India’s major sandalwood smuggling ring, Veerapan.

Approximately 600 Border Security Force troops were used to back up a special police task force which has been combing the
jungles of Tamil Nadu and Karnataka states.

The notorious Veerapan carries a four million rupee ($132,000) bounty on his head and has been on the run from the police since killing his first elephant at the age of fourteen.  He claims to have killed 2,000 elephants for their ivory before entering the more lucrative sandalwood trade.

He has embarked on several killing sprees.  The worst was when 21 members of a police posse were blown up with land mines in an ambush.

Veerapan has become a modern day Robin Hood and is loved by the poor who are either too frightened or too loyal to betray him.

Orders are in the range of millions of dollars, because the wood costs up to 13,700 dollars per kilogram.  A vial of the oil extract costs between 400 and 1,000 dollars.

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Improve Safety – Increase Profits

Learn how to improve the safety of your savings and investments by selecting good value and diversified investments in a multi-currency portfolio.

Few decisions are as important to your wealth as the value of the markets and currencies you invest in.  This has been our area of expertise since the 1970s and we have worked with and advised some of the largest currency traders in the world.

Gain Protection First – Against the Dollar’s Purchasing Power Loss.  In 1913 the The Federal Reserve Act created the Federal Reserve Bank to protect the purchasing power of the US dollar, which has since lost about 94% of its purchasing power.  Here is its price compared with gold since 1900.

priced in gold

Dollar chart from pricedingold.com (1)

The Fed has let the dollar lose most of its strength plus has allowed interest rates to fall so low, that safe investments cannot keep pace with the drop in purchasing power.

multi-currency-chart

Chart from Grandfather Economic Report (2)

Many investors have forgotten about the risk of a falling dollar because the greenback has been strong for the past five years.  This temporary dollar strength came after the great recession of 2009 just as there was temporary dollar strength after the great recession of the 1980s.  Then about six years after the recession, an agreement was made by major governments to weaken the dollar.

There was a severe global economic recession affecting much of the developed world in the late 1970s and early 1980s.  The United States and Japan exited the recession relatively early, but high unemployment would continue to affect Europe and the UK through to at least 1985.  As a consequence between 1980 and 1985, the US dollar had appreciated by about 50% against the Japanese yen, Deutsche mark, French franc and British pound, the currencies of the next four biggest economies at the time. Then the governments reached an agreement and exchange rate values of the dollar versus the yen declined by 51% from 1985 to 1987.

Now the world is again in the same place.  The recession is over.  Europe is a bit behind in recovery and the dollar is higher than before the recession.

There is no reason for the greenback to be  strong.

The agreement in 1985 was called the Plaza Accord.   Over just two years the greenback dropped nearly 50% versus other major currencies.  The next accord will generate great profits for those who know what to do while it ruins the purchasing power of dollar back investments.

The strong US dollar and low interest rates have created one of the biggest stock and multi currency breakout opportunities in history.  Learn how to create a plan to profit from multi currency shifts ahead.

One reason for the potential gains is that stock markets and currency values are cyclical.  Due to low interest rates created by the 2009 economic downturn, the US and a few other equity markets have risen to some of their highest prices, ever.  These markets offer very poor value now.  The steep valuation creates incredible profit potential but also hides some enormous risks.  Learn how to develop an investing strategy based of earnings, cash flows, dividends and book values to increase potential for profit and reduce the risks.

Next Extra Profit Created by Value Breakouts

Over the history of US equity markets, the  price of overall markets have risen about 9.1 percent, respectively, compounded annually.  Yet over more than a hundred years of stock market activity,  a majority of the profits have come from just a very few dramatic breakouts.

Equity markets are ruled in the short term by emotions that create unpredictable ups and downs.  Numerous fears of defaults, worries of double dip recessions, high unemployment, concerns about fiscal cliffs, hold investors back.  Yet global population growth and advances in production and prosperity are relentless economic fundamentals that increase value.

When fear holds back a a fundamentally rising value, rising profit potential grows.  Values increase as prices stagnate.  Then markets break free and rocket upwards creating wealth, prosperity and growth.

Find out which breakouts are likely to take place next.

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 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 create war.

Here is the war stock cycle.  Military struggles (like the Civil War, WWI, WWII and the Cold War: WWIII) 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.

Learn how the Cyber War (WWIV) may change the way we live and act and how this will affect currencies and investments.

Learn:

* 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), but 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 outperformance 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.  Buffett leverages his portfolio at a ratio of approximately 1.6 to 1.  This rate of expansion by the way is called the “Golden Ratio”.  It is a mathematical formula that controls the growth of most natural things; trees, the shape of leaves, the spiral of shells, as well as the way economies and societies grow.

We’ll sum the strategy, how to leverage cheap, safe, quality stocks and for what period of time based on your 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 (almost) years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy investing more with slow, worry free, good value investing.  Stress, worry and fear are three of an investor’s worst enemies.  These are major foundations of the Behavior Gap, a trait exhibited by most investors, that causes them to underperform any market they choose.  The behavior gap is created by natural human responses to fear.  The losses created by this gap grow when investors trade short term under stress.

Learn how to put meaning into your investing by creating profitable strategies that combine good value investments with unique, personal goals.

Learn how to span the behavior gap.  Behavior gaps are among the biggest reasons why so many investors fail.  Human evolution makes fear the second most powerful motivator.  (Greed is the third.)  Fear creates investment losses due to behavior gaps.  Fear motivates us more strongly than desire.  By nature investors are risk adverse, when they should embrace risk.  Purpose is the most powerful motivator,  stronger than fear and greed.  One powerful way to overcome the behavior gap is to invest with a purpose.

Combine your needs and capabilities with the secrets and the math of our good value model portfolio.

Share ideas about my good value portfolio.  My personal investment portfolio comes from a continual analysis of international stock markets and a comparison of 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.

Markets included in this portfolio are:

• Norway
• Australia
• Hong Kong
• Japan
• Singapore
• United Kingdom
• Taiwan
• South Korea
• China

These markets have been chosen based on four pillars of valuation.

• Absolute Valuation
• Relative Valuation
• Current versus Historic Valuation
• Current Relative versus Relative Historic Valuation

Learn how to use Country ETFs to easily construct a diversified, risk-controlled, equally weighted representative country portfolios in all of these good value countries.

To achieve this goal my portfolio consists of Country Index ETFs that track an index of shares in a specific country.  These country ETFs provide diversification into a basket of equities in the good value countries.  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.

This is an easy, simple and effective approach to zeroing in on value because little 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 pick and choose shares.  You can invest in the index which is like investing in all the shares in the index.  All you have to do is invest in an ETF that in turn invests passively in all the shares of the index.

Learn 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 a test.

The Test for Low Cost Trading

Research put every part of this portfolio in place, except knowing the best, easiest and least expensive way to buy.  A search for an optimal way to buy and hold boiled down to two methods.  One tactic to test was to use a unique online broker that appeared to offer the lowest cost deal.  The other approach was to use a community bank in Smalltown USA.  The small town bank that I use looks after my 401K trust account and their service is first class.  The benefit of small banks is that they still treat us as a human beings (instead of a number) and when we need, it’s easy to go right to the top to answer a question or get a problem resolved.  There are no call centers and the bank and the person looking after my account is just around the corner.

I created a test to see which offered the least expensive service.

Working with my banker in Smalltown USA,  I created two accounts, one at the online broker and the other at the bank. I placed $40,000 in each.

I set up the order for the country ETFs online, while my trust manager set up orders for the identical amounts of the same shares in his system.  Then we got on the phone, coordinated our timing and on a count of three each pushed the button “BUY”.

The results of this test  show how you can gain on any purchase of country ETFs.

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

Save $468.90 If You Act Now

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

ecuador-seminar

Triple Guarantee

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

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

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

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

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

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

Subscribe to Pi now, get the 130 page basic training, the 120 page 46 market value analysis, access to over 100 previous Pifolio updates, the “Silver Dip 2017” 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

 

Gary

(1) Dollar chart from pricedingold.com

(2) Grandfather Economic Report

 

Read the entire Ted Case Study has been done on sandalwood.